/* ===========================================================
   Centsible — Personal Finance  ·  v2 premium redesign
   One stylesheet powers every page. Photos are loaded as CSS
   backgrounds with a gradient on top, so if an image ever fails
   the gradient still shows — never a broken-image icon.
   =========================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@500;600;700;800&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --green:#0f7b56;
  --green-dark:#0a5a3e;
  --green-deep:#073b2a;
  --teal:#16a673;
  --ink:#10241c;
  --body:#3a4750;
  --muted:#6b7682;
  --line:#e7ebef;
  --bg:#ffffff;
  --bg-soft:#f4f8f6;
  --gold:#e0a500;
  --max:1140px;
  --radius:16px;
  --shadow-sm:0 1px 2px rgba(16,24,40,.05);
  --shadow:0 6px 24px rgba(16,36,28,.08);
  --shadow-lg:0 18px 50px rgba(16,36,28,.16);
  --head:"Plus Jakarta Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --font:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  font-size:18px;
  line-height:1.75;
  color:var(--body);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--head);color:var(--ink);letter-spacing:-.02em}
.container{max-width:var(--max);margin:0 auto;padding:0 22px}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.88);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--head);font-weight:800;font-size:23px;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand .logo{
  width:38px;height:38px;border-radius:11px;
  background:linear-gradient(135deg,var(--green),var(--teal));
  color:#fff;display:grid;place-items:center;font-weight:900;font-size:20px;
  box-shadow:0 4px 12px rgba(15,123,86,.35);
}
.brand b{color:var(--green)}
.nav-links{display:flex;gap:6px;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);font-size:15px;font-weight:600;padding:9px 13px;border-radius:9px;transition:background .15s,color .15s}
.nav-links a:hover{background:var(--bg-soft);color:var(--green);text-decoration:none}
.nav-toggle{display:none;background:none;border:0;font-size:26px;cursor:pointer;color:var(--ink)}

@media(max-width:780px){
  .nav-links{
    display:none;position:absolute;top:70px;left:0;right:0;
    flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);
  }
  .nav-links.open{display:flex}
  .nav-links li{width:100%;border-top:1px solid var(--line)}
  .nav-links a{display:block;padding:15px 22px;border-radius:0}
  .nav-toggle{display:block}
}

/* ---------- Hero (with photo + gradient overlay) ---------- */
.hero{
  position:relative;
  border-bottom:1px solid var(--line);
  padding:88px 0 80px;
  background:
    linear-gradient(110deg, rgba(7,59,42,.92) 0%, rgba(10,90,62,.78) 42%, rgba(15,123,86,.42) 100%),
    url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161240_7f7abd28-f1c2-4774-a3d4-c9cce9025889.png') center/cover no-repeat;
  color:#fff;
  overflow:hidden;
}
.hero::after{
  content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;
  background:radial-gradient(circle, rgba(224,165,0,.25), transparent 70%);
}
.hero .container{position:relative;z-index:2}
.hero h1{font-size:clamp(34px,5vw,52px);line-height:1.08;color:#fff;margin:0 0 18px;max-width:820px}
.hero p{font-size:clamp(17px,2.2vw,21px);color:rgba(255,255,255,.9);max-width:640px;margin:0 0 26px}
.hero .pillrow{display:flex;flex-wrap:wrap;gap:10px}
.hero .pill{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);color:#fff;font-size:14px;font-weight:600;padding:8px 15px;border-radius:999px;backdrop-filter:blur(4px)}

/* ---------- Layout ---------- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:48px;padding:48px 0}
@media(max-width:940px){.layout{grid-template-columns:1fr}.sidebar{order:2}}

/* ---------- Article ---------- */
article .breadcrumb{margin-bottom:16px}
article h1{font-size:clamp(28px,4vw,40px);line-height:1.18;margin:0 0 14px;position:relative;padding-top:18px}
article h1::before{content:"";position:absolute;top:0;left:0;width:64px;height:5px;border-radius:3px;background:linear-gradient(90deg,var(--green),var(--gold))}
.meta{color:var(--muted);font-size:15px;margin-bottom:10px;font-weight:500}
.lead{font-size:21px;line-height:1.6;color:var(--ink);font-weight:500}
article h2{font-size:27px;margin:42px 0 14px;line-height:1.25}
article h3{font-size:21px;margin:30px 0 9px}
article p{margin:0 0 19px}
article ul,article ol{margin:0 0 19px;padding-left:24px}
article li{margin:0 0 9px}
article li::marker{color:var(--green)}
.callout{
  background:linear-gradient(180deg,var(--bg-soft),#fff);
  border:1px solid var(--line);border-left:4px solid var(--green);
  border-radius:14px;padding:18px 22px;margin:26px 0;font-size:17px;box-shadow:var(--shadow-sm);
}
.callout strong{color:var(--ink)}
table.data{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;font-size:16px;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:var(--shadow-sm)}
table.data th,table.data td{border-bottom:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
table.data tr:last-child td{border-bottom:0}
table.data th{background:var(--bg-soft);color:var(--ink);font-weight:700;font-family:var(--head)}
.toc{background:var(--bg-soft);border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin:26px 0;font-size:16px}
.toc strong{display:block;color:var(--ink);margin-bottom:9px;font-family:var(--head)}
.toc ol{margin:0;padding-left:20px}
.toc a{color:var(--body)}
.toc a:hover{color:var(--green)}
.key-takeaways{border:1px solid var(--line);border-radius:14px;padding:22px 26px;margin:28px 0;box-shadow:var(--shadow)}
.key-takeaways h2{margin-top:0;font-size:20px}

/* ---------- Ad slots ---------- */
.ad-slot{margin:34px auto;text-align:center;overflow:hidden;min-height:110px;display:flex;align-items:center;justify-content:center;flex-direction:column}
.ad-slot.ad-leader{min-height:120px}
.ad-slot.ad-rect{min-height:280px}
.ad-label{display:block;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:#b3bcc4;margin-bottom:6px;width:100%}
.ad-placeholder{width:100%;min-height:90px;border:1px dashed #d3dae0;border-radius:12px;color:#b3bcc4;font-size:13px;display:grid;place-items:center;background:repeating-linear-gradient(45deg,#fafbfc,#fafbfc 12px,#f5f7f9 12px,#f5f7f9 24px)}

/* ---------- Sidebar ---------- */
.sidebar .widget{background:var(--bg-soft);border:1px solid var(--line);border-radius:16px;padding:22px;margin-bottom:26px;box-shadow:var(--shadow-sm)}
.sidebar .widget h3{margin:0 0 14px;font-size:17px;color:var(--ink)}
.sidebar ul{list-style:none;margin:0;padding:0}
.sidebar li{margin:0 0 11px;font-size:15px;line-height:1.45;padding-left:18px;position:relative}
.sidebar li::before{content:"›";position:absolute;left:0;color:var(--green);font-weight:700}
.sidebar a:hover{color:var(--green-dark)}
.sticky{position:sticky;top:92px}

/* ---------- Cards (homepage) ---------- */
.section-title{font-size:28px;margin:10px 0 4px}
.section-sub{color:var(--muted);margin:0 0 28px;font-size:17px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:940px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid{grid-template-columns:1fr}}
.card{
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  background:#fff;box-shadow:var(--shadow);transition:transform .2s ease, box-shadow .2s ease;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.card .thumb{aspect-ratio:16/9;display:flex;align-items:flex-end;padding:16px;position:relative}
.card .thumb span{
  color:#fff;font-family:var(--head);font-size:14px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
  background:rgba(7,59,42,.55);backdrop-filter:blur(3px);padding:5px 12px;border-radius:999px;
}
/* Photo + gradient thumbnails (gradient stays visible if photo fails) */
.t1{background:linear-gradient(160deg,rgba(15,123,86,.45),rgba(7,59,42,.62)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161448_0645bbc5-69f3-4fbd-9231-a30fd44cd6ee_min.webp') center/cover}
.t2{background:linear-gradient(160deg,rgba(15,123,86,.42),rgba(7,59,42,.6)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161240_7f7abd28-f1c2-4774-a3d4-c9cce9025889_min.webp') center/cover}
.t3{background:linear-gradient(160deg,rgba(15,123,86,.42),rgba(7,59,42,.6)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161707_6ba6af73-e8a3-4710-b35d-b60ca06dc625_min.webp') center/cover}
.t4{background:linear-gradient(160deg,rgba(15,123,86,.42),rgba(7,59,42,.6)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161614_69eec21b-62f7-4121-b7ed-303dbfc16475_min.webp') center/cover}
.t5{background:linear-gradient(160deg,rgba(15,123,86,.42),rgba(7,59,42,.6)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161614_69eec21b-62f7-4121-b7ed-303dbfc16475_min.webp') center/cover}
.t6{background:linear-gradient(160deg,rgba(15,123,86,.45),rgba(7,59,42,.62)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161448_0645bbc5-69f3-4fbd-9231-a30fd44cd6ee_min.webp') center/cover}
.card .body{padding:20px 20px 22px;display:flex;flex-direction:column;flex:1}
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--green);text-transform:uppercase;letter-spacing:.06em;margin-bottom:9px;font-family:var(--head)}
.card h3{margin:0 0 9px;font-size:19px;line-height:1.35}
.card h3 a{color:inherit}
.card p{margin:0 0 16px;font-size:15px;color:var(--muted);flex:1}
.card .read{font-size:14px;font-weight:700;color:var(--green);font-family:var(--head)}

/* ---------- Page (legal/about) ---------- */
.page{max-width:780px;margin:0 auto;padding:48px 0}
.page h1{font-size:clamp(30px,4vw,40px);margin:0 0 6px;position:relative;padding-top:18px}
.page h1::before{content:"";position:absolute;top:0;left:0;width:64px;height:5px;border-radius:3px;background:linear-gradient(90deg,var(--green),var(--gold))}
.page h2{font-size:24px;margin:32px 0 10px}
.page p,.page li{font-size:17px}
.updated{color:var(--muted);font-size:15px;margin-bottom:26px}

/* ---------- Forms ---------- */
.form-field{margin-bottom:17px}
.form-field label{display:block;font-weight:600;color:var(--ink);margin-bottom:6px}
.form-field input,.form-field textarea{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:12px;font-family:inherit;font-size:16px;background:#fff}
.form-field input:focus,.form-field textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(15,123,86,.15)}
.btn{display:inline-block;background:linear-gradient(135deg,var(--green),var(--teal));color:#fff;font-weight:700;font-family:var(--head);border:0;border-radius:12px;padding:14px 28px;font-size:16px;cursor:pointer;box-shadow:0 6px 16px rgba(15,123,86,.3);transition:transform .15s,box-shadow .15s}
.btn:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 10px 22px rgba(15,123,86,.4)}

/* ---------- Newsletter ---------- */
.newsletter{
  position:relative;overflow:hidden;border-radius:22px;padding:48px 34px;margin:48px 0;text-align:center;color:#fff;
  background:linear-gradient(120deg,rgba(7,59,42,.93),rgba(15,123,86,.88)),url('https://d8j0ntlcm91z4.cloudfront.net/user_3EzgX9yfs6GNeRZk6SIp1Ba8gyC/hf_20260616_161614_69eec21b-62f7-4121-b7ed-303dbfc16475.png') center/cover;
}
.newsletter h2{color:#fff;margin:0 0 8px;font-size:26px}
.newsletter p{color:rgba(255,255,255,.85);margin:0 0 20px}
.newsletter form{display:flex;gap:10px;max-width:460px;margin:0 auto}
.newsletter input{flex:1;padding:14px 15px;border:0;border-radius:12px;font-size:16px}
@media(max-width:480px){.newsletter form{flex-direction:column}}

/* ---------- Footer ---------- */
.site-footer{background:var(--green-deep);color:#cfe3da;border-top:1px solid var(--line);margin-top:56px;padding:54px 0 32px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:34px}
@media(max-width:780px){.footer-grid{grid-template-columns:1fr}}
.footer-grid h4{color:#fff;font-size:14px;margin:0 0 14px;text-transform:uppercase;letter-spacing:.06em}
.footer-grid ul{list-style:none;margin:0;padding:0}
.footer-grid li{margin:0 0 10px;font-size:15px}
.footer-grid a{color:#bcd6cb}
.footer-grid a:hover{color:#fff}
.footer-brand{font-family:var(--head);font-weight:800;font-size:22px;color:#fff;margin-bottom:10px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:22px;font-size:14px;color:#9cc0b2}
.disclosure{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:16px 20px;font-size:14px;color:var(--muted);margin:24px 0}

.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px;text-transform:uppercase;letter-spacing:.04em;font-weight:600}
.breadcrumb a{color:var(--muted)}
.breadcrumb a:hover{color:var(--green)}

.all-guides a{color:var(--body)}
.all-guides a:hover{color:var(--green)}
@media(max-width:940px){.all-guides{grid-template-columns:repeat(2,1fr)!important}}
@media(max-width:600px){.all-guides{grid-template-columns:1fr!important}}