/* ==========================================================================
   CleverGeld — shared design system (topicdrill)
   Used by: category.html, deals.html, article.html, calculator.html
   ========================================================================== */
:root{
  --red:#e01e1e;--red-dark:#c01818;--yellow:#f5b400;
  --ink:#1a1a1a;--muted:#5f6774;--line:#e7e7ea;--bg:#f4f5f7;
  --navy:#0e1626;--navy-soft:#16203a;
  --radius:6px;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{font-family:"Inter",system-ui,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.5;font-size:15px;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px;}
section{padding:26px 0;}

.sec-head{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:18px;}
.sec-head h2{font-size:24px;font-weight:800;letter-spacing:-.02em;}
.sec-head p{font-size:14px;color:var(--muted);margin-top:2px;}
.viewall{color:var(--red);font-weight:600;font-size:14px;white-space:nowrap;}
.viewall:hover{text-decoration:underline;}
.badge{display:inline-block;font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#fff;padding:4px 8px;border-radius:4px;}

.btn-red{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff;font-weight:700;font-size:14px;padding:13px 22px;border-radius:var(--radius);border:none;cursor:pointer;font-family:inherit;}
.btn-red:hover{background:var(--red-dark);}
.btn-red.sm{padding:9px 16px;font-size:13px;}
.btn-ghost{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--ink);font-weight:600;font-size:14px;padding:12px 20px;border-radius:var(--radius);border:1px solid var(--line);cursor:pointer;font-family:inherit;}
.btn-ghost:hover{border-color:var(--red);color:var(--red);}

/* ===== TOP HEADER ===== */
.topbar{background:var(--red);color:#fff;}
.topbar .wrap{display:flex;align-items:center;gap:22px;height:64px;}
.logo b{font-size:26px;font-weight:900;letter-spacing:-.02em;display:block;line-height:1;}
.logo span{font-size:11px;opacity:.9;}
.region{display:flex;align-items:center;gap:6px;border:1px solid rgba(255,255,255,.5);border-radius:6px;padding:7px 16px;font-size:13px;font-weight:500;white-space:nowrap;cursor:pointer;}
.search{flex:1;display:flex;background:#fff;border-radius:6px;overflow:hidden;max-width:640px;}
.search input{flex:1;border:none;padding:12px 16px;font-size:14px;font-family:inherit;outline:none;color:#222;}
.search button{background:var(--yellow);border:none;color:#3a2a00;font-weight:700;padding:0 24px;cursor:pointer;font-size:14px;}
.head-icons{display:flex;gap:24px;}
.head-icons a{display:flex;flex-direction:column;align-items:center;gap:4px;font-size:12px;font-weight:500;}
.head-icons svg{width:20px;height:20px;}
.burger{display:none;background:none;border:none;color:#fff;cursor:pointer;flex-direction:column;gap:4px;width:26px;}
.burger span{height:2px;background:#fff;display:block;}

/* ===== NAV ===== */
nav.main{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50;}
nav.main .wrap{display:flex;gap:26px;align-items:center;height:48px;overflow-x:auto;scrollbar-width:none;}
nav.main .wrap::-webkit-scrollbar{display:none;}
nav.main a{font-size:14px;font-weight:600;color:#2a2a2a;white-space:nowrap;display:flex;align-items:center;gap:4px;}
nav.main a:hover,nav.main a.active{color:var(--red);}
nav.main svg{width:12px;height:12px;opacity:.6;}

/* ===== MEGA MENU ===== */
.navitem{position:static;display:flex;align-items:center;}
.mega-caret{font-size:9px;opacity:.6;}
.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);
  box-shadow:0 22px 34px rgba(0,0,0,.10);display:none;z-index:60;}
.mega-inner{display:flex;gap:36px;padding:26px 20px;align-items:flex-start;}
.mega-col{flex:1;min-width:150px;}
.mega-col h5{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin-bottom:10px;font-weight:700;}
.mega-col a{display:block;font-size:14px;font-weight:600;color:#333;padding:7px 0;}
.mega-col a:hover{color:var(--red);}
.mega-col a span{display:block;font-size:12px;font-weight:400;color:var(--muted);}
.mega-feat{flex:0 0 260px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:block;}
.mega-feat:hover{box-shadow:0 6px 16px rgba(0,0,0,.08);}
.mega-feat img{width:100%;height:120px;object-fit:cover;background:#eee;}
.mega-feat .b{padding:14px;}
.mega-feat b{font-size:14px;display:block;margin-bottom:4px;}
.mega-feat p{font-size:12.5px;color:var(--muted);margin-bottom:8px;line-height:1.4;}
.mega-cta{color:var(--red);font-weight:700;font-size:13px;}
@media (min-width:1025px){
  nav.main .wrap{overflow:visible;}
  .navitem:hover>.mega{display:block;}
}

/* ===== BREADCRUMB ===== */
.crumb{display:flex;gap:8px;align-items:center;font-size:13px;color:var(--muted);padding:16px 0 4px;flex-wrap:wrap;}
.crumb a:hover{color:var(--red);}
.crumb .sep{opacity:.5;}
.crumb .cur{color:var(--ink);font-weight:600;}

/* ===== PAGE HERO ===== */
.page-hero{display:flex;align-items:center;gap:18px;padding:14px 0 6px;}
.page-hero .pic{width:56px;height:56px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-size:26px;flex-shrink:0;}
.page-hero h1{font-size:34px;font-weight:800;letter-spacing:-.02em;line-height:1.1;}
.page-hero p{font-size:15px;color:var(--muted);margin-top:4px;max-width:640px;}

/* ===== ARTICLE / GUIDE CARDS ===== */
.gcard{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;background:#fff;}
.gcard:hover{box-shadow:0 6px 20px rgba(0,0,0,.06);}
.gcard .imgwrap{position:relative;}
.gcard img{width:100%;aspect-ratio:16/10;object-fit:cover;background:#eee;}
.gcard .badge{position:absolute;left:10px;bottom:10px;}
.gcard .body{padding:14px;display:flex;flex-direction:column;flex:1;}
.gcard h3{font-size:15px;font-weight:700;line-height:1.25;margin-bottom:8px;}
.gcard p{font-size:12.5px;color:var(--muted);line-height:1.45;flex:1;}
.gcard .foot{display:flex;justify-content:space-between;align-items:center;margin-top:12px;font-size:12px;color:var(--muted);}

/* ===== PILLS / FILTER TABS ===== */
.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px;}
.filter{border:1px solid var(--line);border-radius:20px;padding:9px 18px;font-size:13px;font-weight:600;color:#333;cursor:pointer;background:#fff;}
.filter:hover{border-color:var(--red);color:var(--red);}
.filter.active{background:var(--red);color:#fff;border-color:var(--red);}

/* ===== PAGINATION ===== */
.pager{display:flex;gap:6px;justify-content:center;align-items:center;padding:32px 0 6px;}
.pager a{min-width:38px;height:38px;border:1px solid var(--line);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:600;padding:0 10px;}
.pager a:hover{border-color:var(--red);color:var(--red);}
.pager a.active{background:var(--red);color:#fff;border-color:var(--red);}

/* ===== SIDEBAR WIDGETS ===== */
.widget{border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin-bottom:20px;}
.widget h4{font-size:16px;font-weight:800;margin-bottom:12px;}
.wlink{display:flex;gap:10px;align-items:center;padding:10px 0;border-bottom:1px solid var(--line);}
.wlink:last-child{border-bottom:none;}
.wlink .wic{width:32px;height:32px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0;background:#f1f2f5;}
.wlink b{font-size:13.5px;font-weight:700;display:block;line-height:1.2;}
.wlink span{font-size:11.5px;color:var(--muted);}
.widget.cta{background:var(--navy);color:#fff;border:none;}
.widget.cta h4{color:#fff;}
.widget.cta p{font-size:13px;color:#c5ccd8;margin-bottom:14px;line-height:1.5;}
.widget.cta form{display:flex;flex-direction:column;gap:8px;}
.widget.cta input{background:#0a1120;border:1px solid #263353;border-radius:var(--radius);padding:11px 12px;color:#fff;font-size:13px;font-family:inherit;}
.widget.cta button{width:100%;justify-content:center;}

/* ===== TWO-COLUMN CONTENT LAYOUT ===== */
.two-col{display:grid;grid-template-columns:1fr 320px;gap:36px;align-items:start;}

/* ===== FOOTER ===== */
footer{background:var(--navy);color:#c5ccd8;padding:48px 0 0;margin-top:20px;}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr 1.6fr;gap:28px;padding-bottom:40px;}
.foot-brand b{color:#fff;font-size:22px;font-weight:900;display:block;margin-bottom:12px;}
.foot-brand p{font-size:13px;line-height:1.6;max-width:240px;margin-bottom:16px;}
.fsocial{display:flex;gap:10px;}
.fsocial a{width:34px;height:34px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:#fff;}
.fsocial svg{width:16px;height:16px;}
.fcol h4{color:#fff;font-size:14px;font-weight:700;margin-bottom:14px;}
.fcol a{display:block;font-size:13px;color:#a9b2c2;padding:5px 0;}
.fcol a:hover{color:#fff;}
.fnews{background:var(--navy-soft);border-radius:var(--radius);padding:20px;}
.fnews b{color:#fff;font-size:15px;display:block;margin-bottom:6px;}
.fnews p{font-size:12.5px;line-height:1.5;margin-bottom:14px;}
.fnews form{display:flex;gap:8px;}
.fnews input{flex:1;background:#0a1120;border:1px solid #263353;border-radius:var(--radius);padding:10px 12px;color:#fff;font-size:13px;font-family:inherit;}
.fnews button{background:var(--red);color:#fff;border:none;font-weight:700;padding:0 18px;border-radius:var(--radius);cursor:pointer;font-size:13px;}
.foot-bottom{border-top:1px solid #202b45;padding:18px 0;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:#aeb7c8;flex-wrap:wrap;gap:12px;}

/* ===== RESPONSIVE ===== */
@media (max-width:1024px){
  .two-col{grid-template-columns:1fr;}
  .foot-grid{grid-template-columns:repeat(3,1fr);}
  /* mega menu → mobile accordion */
  .navitem{flex-direction:column;align-items:flex-start;width:100%;}
  .mega{position:static;box-shadow:none;border-top:none;display:none;width:100%;}
  .navitem.open .mega{display:block;}
  .mega-inner{flex-direction:column;gap:14px;padding:6px 0 10px 12px;}
  .mega-feat{display:none;}
  .mega-caret{margin-left:auto;}
}
@media (max-width:860px){
  .head-icons{display:none;}
  .search{max-width:none;}
}
@media (max-width:640px){
  .topbar .wrap{flex-wrap:wrap;height:auto;padding-top:12px;padding-bottom:12px;gap:12px;}
  .search{order:3;flex-basis:100%;}
  .region{display:none;}
  .burger{display:flex;margin-left:auto;}
  .page-hero h1{font-size:26px;}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .foot-brand,.fnews{grid-column:1 / -1;}
}

/* ============ HOME PAGE ============ */
  section{padding:26px 0;}

  /* ===== HERO ===== */
  .hero{display:grid;grid-template-columns:1fr 300px;gap:24px;}
  .feature{position:relative;border-radius:6px;overflow:hidden;min-height:340px;display:flex;align-items:center;
    background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.92) 34%,rgba(255,255,255,0) 60%),
      url('https://picsum.photos/seed/energyhome/900/520') center/cover;}
  .feature .inner{padding:44px;max-width:60%;}
  .feature .pill{background:#fde8e8;color:var(--red);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:5px 10px;border-radius:5px;display:inline-block;margin-bottom:16px;}
  .feature h1{font-size:36px;font-weight:800;line-height:1.1;letter-spacing:-.02em;margin-bottom:14px;}
  .feature p{color:#444;font-size:15px;margin-bottom:22px;max-width:360px;}
  .btn-red{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff;font-weight:700;font-size:14px;padding:13px 22px;border-radius:6px;}
  .btn-red:hover{background:var(--red-dark);}

  .calc-card{border:1px solid var(--line);border-radius:6px;padding:20px;}
  .calc-card .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;}
  .calc-card .top b{font-size:16px;font-weight:800;}
  .calc-item{display:flex;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);align-items:center;}
  .calc-item:last-child{border-bottom:none;}
  .calc-ic{width:34px;height:34px;border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:16px;}
  .calc-item b{font-size:14px;font-weight:700;display:block;}
  .calc-item span{font-size:12px;color:var(--muted);}

  /* ===== QUICK LINKS ===== */
  .quick{border:1px solid var(--line);border-radius:6px;display:grid;grid-template-columns:repeat(6,1fr);}
  .quick a{display:flex;gap:10px;align-items:center;padding:16px;border-right:1px solid var(--line);}
  .quick a:last-child{border-right:none;}
  .quick a:hover{background:var(--bg);}
  .quick .qic{width:30px;height:30px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0;}
  .quick b{font-size:13px;font-weight:700;display:block;line-height:1.2;}
  .quick span{font-size:11px;color:var(--muted);}

  /* ===== GUIDES ===== */
  .guides{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;}
  .gcard{border:1px solid var(--line);border-radius:6px;overflow:hidden;display:flex;flex-direction:column;}
  .gcard .imgwrap{position:relative;}
  .gcard img{width:100%;aspect-ratio:16/10;object-fit:cover;background:#eee;}
  .gcard .badge{position:absolute;left:10px;bottom:10px;}
  .gcard .body{padding:14px;display:flex;flex-direction:column;flex:1;}
  .gcard h3{font-size:15px;font-weight:700;line-height:1.25;margin-bottom:8px;}
  .gcard p{font-size:12.5px;color:var(--muted);line-height:1.45;flex:1;}
  .gcard .foot{display:flex;justify-content:space-between;align-items:center;margin-top:12px;font-size:12px;color:var(--muted);}

  /* ===== DEALS ===== */
  .deals{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;}
  .dcard{border:1px solid var(--line);border-radius:6px;padding:16px;display:flex;flex-direction:column;text-align:center;}
  .dcard .brand{display:flex;align-items:center;gap:8px;text-align:left;margin-bottom:14px;}
  .dcard .blogo{width:34px;height:34px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;color:#fff;flex-shrink:0;}
  .dcard .brand b{font-size:13px;font-weight:700;line-height:1.15;display:block;}
  .dcard .brand span{font-size:11px;color:var(--muted);}
  .dcard .offer{font-size:20px;font-weight:800;margin:6px 0 14px;}
  .dcard .offer small{display:block;font-size:11px;font-weight:600;color:var(--muted);margin-top:2px;}
  .dcard .cta{margin-top:auto;color:#fff;font-weight:700;font-size:13px;padding:11px;border-radius:6px;}

  /* ===== TOOLS ===== */
  .tools{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;}
  .tcard{border:1px solid var(--line);border-radius:6px;padding:16px 14px;display:flex;align-items:center;gap:10px;}
  .tcard:hover{border-color:var(--red);}
  .tic{width:32px;height:32px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0;}
  .tcard b{font-size:13px;font-weight:700;}

  /* ===== NEWS ===== */
  .news{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start;}
  .news-feat{position:relative;border-radius:6px;overflow:hidden;min-height:260px;display:flex;align-items:flex-end;
    background:linear-gradient(0deg,rgba(0,0,0,.85),rgba(0,0,0,.15)),url('https://picsum.photos/seed/inflation/700/460') center/cover;color:#fff;}
  .news-feat .inner{padding:22px;}
  .news-feat h3{font-size:22px;font-weight:800;line-height:1.15;margin:10px 0 8px;}
  .news-feat p{font-size:13px;opacity:.9;max-width:340px;margin-bottom:14px;}
  .news-feat .foot{display:flex;align-items:center;gap:16px;}
  .news-feat .time{font-size:12px;opacity:.85;}
  .btn-red.sm{padding:9px 16px;font-size:13px;}
  .news-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;}
  .nitem{display:flex;gap:12px;padding:10px 0;}
  .nitem img{width:70px;height:54px;border-radius:6px;object-fit:cover;flex-shrink:0;background:#ddd;}
  .nitem .nb{font-size:10px;font-weight:700;color:var(--red);letter-spacing:.06em;}
  .nitem b{font-size:13.5px;font-weight:700;line-height:1.25;display:block;margin:2px 0 4px;}
  .nitem span{font-size:11px;color:var(--muted);}

  /* ===== CATEGORIES ===== */
  .cats{display:grid;grid-template-columns:repeat(8,1fr);gap:12px;}
  .catpill{border-radius:6px;padding:16px 12px;text-align:center;}
  .catpill .ci{width:38px;height:38px;border-radius:6px;background:rgba(255,255,255,.6);display:flex;align-items:center;justify-content:center;margin:0 auto 10px;font-size:17px;}
  .catpill b{font-size:13px;font-weight:700;display:block;}
  .catpill span{font-size:11px;color:#555;}

  /* ===== FOOTER ===== */
  footer{background:var(--navy);color:#c5ccd8;padding:48px 0 0;margin-top:20px;}
  .foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr 1.6fr;gap:28px;padding-bottom:40px;}
  .foot-brand b{color:#fff;font-size:22px;font-weight:900;display:block;margin-bottom:12px;}
  .foot-brand p{font-size:13px;line-height:1.6;max-width:240px;margin-bottom:16px;}
  .fsocial{display:flex;gap:10px;}
  .fsocial a{width:34px;height:34px;border-radius:6px;display:flex;align-items:center;justify-content:center;color:#fff;}
  .fsocial svg{width:16px;height:16px;}
  .fcol h4{color:#fff;font-size:14px;font-weight:700;margin-bottom:14px;}
  .fcol a{display:block;font-size:13px;color:#a9b2c2;padding:5px 0;}
  .fcol a:hover{color:#fff;}
  .fnews{background:var(--navy-soft);border-radius:6px;padding:20px;}
  .fnews b{color:#fff;font-size:15px;display:block;margin-bottom:6px;}
  .fnews p{font-size:12.5px;line-height:1.5;margin-bottom:14px;}
  .fnews form{display:flex;gap:8px;}
  .fnews input{flex:1;background:#0a1120;border:1px solid #263353;border-radius:6px;padding:10px 12px;color:#fff;font-size:13px;font-family:inherit;}
  .fnews button{background:var(--red);color:#fff;border:none;font-weight:700;padding:0 18px;border-radius:6px;cursor:pointer;font-size:13px;}
  .foot-bottom{border-top:1px solid #202b45;padding:18px 0;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:#aeb7c8;flex-wrap:wrap;gap:12px;}

  /* ===== RESPONSIVE ===== */
  @media (max-width:1024px){
    .navitem{flex-direction:column;align-items:flex-start;width:100%;}
    .mega{position:static;box-shadow:none;border-top:none;width:100%;}
    .mega-inner{flex-direction:column;gap:14px;padding:6px 0 10px 12px;}
    .mega-feat{display:none;}
    .mega-caret{margin-left:auto;}
    .guides{grid-template-columns:repeat(3,1fr);}
    .deals{grid-template-columns:repeat(3,1fr);}
    .tools{grid-template-columns:repeat(4,1fr);}
    .quick{grid-template-columns:repeat(3,1fr);}
    .quick a:nth-child(3n){border-right:none;}
    .cats{grid-template-columns:repeat(4,1fr);}
    .foot-grid{grid-template-columns:repeat(3,1fr);}
  }
  @media (max-width:860px){
    .head-icons{display:none;}
    .search{max-width:none;}
    .hero{grid-template-columns:1fr;}
    .news{grid-template-columns:1fr;}
    .news-list{grid-template-columns:1fr;}
  }
  @media (max-width:640px){
    .topbar .wrap{flex-wrap:wrap;height:auto;padding-top:12px;padding-bottom:12px;gap:12px;}
    .search{order:3;flex-basis:100%;}
    .region{display:none;}
    .burger{display:flex;margin-left:auto;}
    .feature .inner{max-width:100%;padding:26px;}
    .feature h1{font-size:26px;}
    .guides,.deals,.tools,.quick,.cats{grid-template-columns:1fr 1fr;}
    .quick a{border-right:none;}
    .foot-grid{grid-template-columns:1fr 1fr;}
    .foot-brand,.fnews{grid-column:1 / -1;}
  }

/* ============ CATEGORY PAGE ============ */
  .cat-banner{border-radius:var(--radius);padding:30px 34px;background:linear-gradient(120deg,#e9f9ef,#f4f5f7);display:flex;justify-content:space-between;align-items:center;gap:24px;margin-top:8px;}
  .cat-banner .pic{width:64px;height:64px;border-radius:var(--radius);background:#fff;display:flex;align-items:center;justify-content:center;font-size:30px;flex-shrink:0;}
  .cat-banner h1{font-size:32px;font-weight:800;letter-spacing:-.02em;}
  .cat-banner p{font-size:15px;color:#4b5563;margin-top:6px;max-width:560px;}
  .cat-banner .stats{display:flex;gap:26px;text-align:center;}
  .cat-banner .stats b{font-size:24px;font-weight:800;display:block;color:var(--red);}
  .cat-banner .stats span{font-size:12px;color:var(--muted);}
  .featured{display:grid;grid-template-columns:1.3fr 1fr;gap:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:26px 0;}
  .featured img{width:100%;height:100%;object-fit:cover;min-height:280px;background:#eee;}
  .featured .body{padding:32px;display:flex;flex-direction:column;justify-content:center;}
  .featured .body h2{font-size:26px;font-weight:800;line-height:1.15;margin:12px 0;}
  .featured .body p{color:var(--muted);margin-bottom:18px;}
  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
  @media (max-width:1024px){.grid3{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:860px){.featured{grid-template-columns:1fr;}.cat-banner{flex-direction:column;align-items:flex-start;}}
  @media (max-width:640px){.grid3{grid-template-columns:1fr;}}

/* ============ ARTICLE PAGE ============ */
  .art-head{max-width:760px;}
  .art-head .badge{position:static;margin-bottom:14px;}
  .art-head h1{font-size:38px;font-weight:800;letter-spacing:-.02em;line-height:1.12;margin-bottom:14px;}
  .art-head .dek{font-size:18px;color:#4b5563;margin-bottom:20px;}
  .byline{display:flex;align-items:center;gap:14px;flex-wrap:wrap;padding:16px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
  .byline img{width:44px;height:44px;border-radius:50%;background:#ddd;}
  .byline .who b{font-size:14px;font-weight:700;display:block;}
  .byline .who span{font-size:12.5px;color:var(--muted);}
  .byline .share{margin-left:auto;display:flex;gap:8px;}
  .byline .share a{width:36px;height:36px;border:1px solid var(--line);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:#555;}
  .byline .share a:hover{border-color:var(--red);color:var(--red);}
  .byline .share svg{width:16px;height:16px;}
  .hero-img{width:100%;aspect-ratio:16/8;object-fit:cover;border-radius:var(--radius);background:#eee;margin:24px 0;}

  .prose{font-family:"Source Serif 4",Georgia,serif;font-size:18px;line-height:1.7;color:#222;max-width:760px;}
  .prose h2{font-family:"Inter",sans-serif;font-size:26px;font-weight:800;letter-spacing:-.01em;margin:34px 0 12px;scroll-margin-top:70px;}
  .prose h3{font-family:"Inter",sans-serif;font-size:20px;font-weight:700;margin:24px 0 10px;}
  .prose p{margin-bottom:18px;}
  .prose ul,.prose ol{margin:0 0 18px 22px;}
  .prose li{margin-bottom:8px;}
  .prose a{color:var(--red);text-decoration:underline;}
  .prose img{border-radius:var(--radius);margin:22px 0;}
  .tip{font-family:"Inter",sans-serif;background:#e9f9ef;border-left:4px solid #16a34a;border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-size:15px;}
  .tip b{display:block;margin-bottom:4px;}
  .warn{font-family:"Inter",sans-serif;background:#fff4e0;border-left:4px solid var(--yellow);border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-size:15px;}
  .prose table{width:100%;border-collapse:collapse;font-family:"Inter",sans-serif;font-size:14px;margin:22px 0;}
  .prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;}
  .prose th{background:var(--bg);font-weight:700;}
  .inline-cta{font-family:"Inter",sans-serif;background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px;margin:28px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;}
  .inline-cta b{font-size:18px;display:block;}
  .inline-cta span{font-size:13px;color:#c5ccd8;}

  .toc{position:sticky;top:70px;}
  .toc h4{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:12px;}
  .toc a{display:block;font-size:13.5px;color:#374151;padding:7px 0 7px 12px;border-left:2px solid var(--line);}
  .toc a:hover{color:var(--red);border-color:var(--red);}

  .author-box{border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;gap:18px;margin:34px 0;max-width:760px;}
  .author-box img{width:64px;height:64px;border-radius:50%;background:#ddd;flex-shrink:0;}
  .author-box b{font-size:16px;}
  .author-box .role{font-size:12.5px;color:var(--red);font-weight:600;margin:2px 0 8px;}
  .author-box p{font-size:13.5px;color:var(--muted);line-height:1.55;}
  .related{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}

  /* ===== COMMENTS ===== */
  .comments{max-width:760px;}
  .comments h2{font-size:24px;font-weight:800;letter-spacing:-.02em;margin-bottom:6px;}
  .comments .sortbar{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;}
  .comments .sortbar span{font-size:13px;color:var(--muted);}
  .comments .sortbar select{border:1px solid var(--line);border-radius:var(--radius);padding:7px 12px;font-family:inherit;font-size:13px;}
  .cform{display:flex;gap:14px;margin-bottom:28px;}
  .cform .av{width:44px;height:44px;border-radius:50%;background:#e3e6ec;display:flex;align-items:center;justify-content:center;font-weight:700;color:#666;flex-shrink:0;}
  .cform .box{flex:1;}
  .cform textarea{width:100%;border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;font-family:inherit;font-size:14px;resize:vertical;min-height:88px;outline:none;}
  .cform textarea:focus{border-color:var(--red);}
  .cform .actions{display:flex;justify-content:space-between;align-items:center;margin-top:10px;}
  .cform .note{font-size:12px;color:var(--muted);}
  .clist{display:flex;flex-direction:column;gap:22px;}
  .cmt{display:flex;gap:14px;}
  .cmt .av{width:44px;height:44px;border-radius:50%;background:#dfe3ea;display:flex;align-items:center;justify-content:center;font-weight:700;color:#555;flex-shrink:0;}
  .cmt .head{display:flex;align-items:center;gap:10px;margin-bottom:5px;flex-wrap:wrap;}
  .cmt .head b{font-size:14px;font-weight:700;}
  .cmt .head .tag{font-size:10px;font-weight:700;background:#fde8e8;color:var(--red);padding:2px 7px;border-radius:20px;text-transform:uppercase;letter-spacing:.04em;}
  .cmt .head time{font-size:12px;color:var(--muted);}
  .cmt p{font-size:14.5px;line-height:1.55;color:#333;}
  .cmt .tools{display:flex;gap:18px;margin-top:8px;font-size:12.5px;color:var(--muted);font-weight:600;}
  .cmt .tools a:hover{color:var(--red);}
  .cmt .reply{margin-top:16px;padding-left:18px;border-left:2px solid var(--line);}
  .comments .loadmore{margin-top:24px;}
  @media (max-width:1024px){.related{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:640px){.art-head h1{font-size:28px;}.prose{font-size:17px;}.related{grid-template-columns:1fr;}}

/* ============ DEALS PAGE ============ */
  .deal-hero{border-radius:var(--radius);background:linear-gradient(120deg,#fde8e8,#fff4e0);padding:34px;margin-top:8px;}
  .deal-hero h1{font-size:34px;font-weight:800;letter-spacing:-.02em;}
  .deal-hero p{color:#4b5563;margin-top:8px;max-width:620px;}
  .deal-hero .meta{display:flex;gap:24px;margin-top:18px;font-size:13px;color:#555;}
  .deal-hero .meta b{color:var(--red);}

  .featured-deal{display:grid;grid-template-columns:1fr 340px;gap:0;border:2px solid var(--red);border-radius:var(--radius);overflow:hidden;margin:26px 0;}
  .featured-deal .body{padding:30px;}
  .featured-deal .tagline{color:var(--red);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.06em;}
  .featured-deal h2{font-size:26px;font-weight:800;margin:8px 0 10px;}
  .featured-deal p{color:var(--muted);margin-bottom:16px;max-width:560px;}
  .featured-deal ul{list-style:none;display:flex;gap:20px;flex-wrap:wrap;margin-bottom:20px;}
  .featured-deal li{font-size:13.5px;font-weight:600;display:flex;gap:6px;align-items:center;}
  .featured-deal li::before{content:"✓";color:#16a34a;font-weight:800;}
  .featured-deal .side{background:#111;color:#fff;padding:30px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;}
  .featured-deal .side .big{font-size:40px;font-weight:900;color:#16a34a;line-height:1;}
  .featured-deal .side small{opacity:.8;font-size:13px;margin:8px 0 20px;}

  .deals-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
  .dealcard{border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:flex;flex-direction:column;}
  .dealcard .top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:16px;}
  .dealcard .brand{display:flex;gap:10px;align-items:center;}
  .dealcard .blogo{width:42px;height:42px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;color:#fff;flex-shrink:0;}
  .dealcard .brand b{font-size:15px;font-weight:700;display:block;line-height:1.2;}
  .dealcard .brand span{font-size:12px;color:var(--muted);}
  .dealcard .cat{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);border:1px solid var(--line);padding:3px 8px;border-radius:20px;}
  .dealcard .offer{font-size:26px;font-weight:900;margin:4px 0 4px;}
  .dealcard .desc{font-size:13px;color:var(--muted);line-height:1.5;margin-bottom:14px;flex:1;}
  .dealcard .feats{list-style:none;margin-bottom:16px;}
  .dealcard .feats li{font-size:12.5px;color:#374151;padding:3px 0;display:flex;gap:6px;}
  .dealcard .feats li::before{content:"✓";color:#16a34a;font-weight:700;}
  .dealcard .cta{color:#fff;font-weight:700;font-size:14px;padding:12px;border-radius:var(--radius);text-align:center;}
  .dealcard .fine{font-size:11px;color:#9ca3af;margin-top:10px;text-align:center;}
  @media (max-width:1024px){.deals-grid{grid-template-columns:repeat(2,1fr);}.featured-deal{grid-template-columns:1fr;}}
  @media (max-width:640px){.deals-grid{grid-template-columns:1fr;}.deal-hero h1{font-size:26px;}}

/* ============ CALCULATOR PAGE ============ */
  .calc-shell{display:grid;grid-template-columns:1fr 400px;gap:24px;margin:20px 0 8px;}
  .calc-inputs{border:1px solid var(--line);border-radius:var(--radius);padding:24px;}
  .calc-inputs h2{font-size:18px;font-weight:800;margin-bottom:18px;}
  .field{margin-bottom:16px;}
  .field label{display:block;font-size:13px;font-weight:600;margin-bottom:6px;}
  .field input,.field select{width:100%;border:1px solid var(--line);border-radius:var(--radius);padding:11px 12px;font-size:15px;font-family:inherit;outline:none;}
  .field input:focus,.field select:focus{border-color:var(--red);}
  .field.two{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
  .seg{display:flex;gap:8px;flex-wrap:wrap;}
  .seg label{border:1px solid var(--line);border-radius:var(--radius);padding:8px 14px;font-size:13px;font-weight:600;cursor:pointer;}
  .seg input{display:none;}
  .seg input:checked + span{color:var(--red);}
  .seg label:has(input:checked){border-color:var(--red);background:#fde8e8;}

  .calc-result{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px;position:sticky;top:70px;height:fit-content;}
  .calc-result .lbl{font-size:13px;color:#c5ccd8;}
  .calc-result .net{font-size:44px;font-weight:900;line-height:1;margin:4px 0 2px;}
  .calc-result .per{font-size:13px;color:#9fb0c9;margin-bottom:20px;}
  .bd{display:flex;justify-content:space-between;font-size:14px;padding:9px 0;border-bottom:1px solid #24304b;}
  .bd:last-of-type{border-bottom:none;}
  .bd span:last-child{font-weight:700;}
  .bd.pos span:last-child{color:#4ade80;}
  .bd.neg span:last-child{color:#f87171;}
  .calc-result .note{font-size:11px;color:#7f8ba3;margin-top:16px;line-height:1.5;}

  .rates-table{width:100%;border-collapse:collapse;font-size:14px;}
  .rates-table th,.rates-table td{border:1px solid var(--line);padding:10px 12px;text-align:left;}
  .rates-table th{background:var(--bg);font-weight:700;}
  .method{background:var(--bg);border-radius:var(--radius);padding:24px;}
  .method h3{font-size:17px;font-weight:800;margin-bottom:10px;}
  .method ol{margin-left:20px;}
  .method li{margin-bottom:8px;font-size:14.5px;}
  .faq details{border:1px solid var(--line);border-radius:var(--radius);padding:0 18px;margin-bottom:10px;}
  .faq summary{font-weight:700;font-size:15px;padding:16px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;}
  .faq summary::-webkit-details-marker{display:none;}
  .faq summary::after{content:"+";font-size:20px;color:var(--red);}
  .faq details[open] summary::after{content:"–";}
  .faq p{font-size:14px;color:#444;padding:0 0 16px;line-height:1.6;}
  .tools-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;}
  .tcard{border:1px solid var(--line);border-radius:var(--radius);padding:16px 14px;display:flex;align-items:center;gap:10px;}
  .tcard:hover{border-color:var(--red);}
  .tic{width:32px;height:32px;border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0;}
  .tcard b{font-size:13px;font-weight:700;}
  .disclaimer{font-size:12px;color:var(--muted);background:#fff4e0;border-radius:var(--radius);padding:14px 18px;margin-top:22px;}
  @media (max-width:1024px){.calc-shell{grid-template-columns:1fr;}.calc-result{position:static;}.tools-grid{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:640px){.field.two{grid-template-columns:1fr;}.tools-grid{grid-template-columns:1fr;}}

/* ===== Article widgets (MSE-style) ===== */
.keypoints{background:#fffbe6;border:1px solid #f5d442;border-left:6px solid #f5b400;border-radius:var(--radius);padding:16px 20px;margin:0 0 26px;font-family:"Inter",sans-serif;}
.keypoints .kp-head{font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:#8a6d00;margin-bottom:8px;}
.keypoints ul{margin:0 0 0 18px;padding:0;}
.keypoints li{font-size:15px;line-height:1.55;margin-bottom:6px;}
.tocw ul{list-style:none;margin:0;padding:0;}
.tocw li{border-left:3px solid var(--line);}
.tocw li a{display:block;padding:7px 12px;font-size:13.5px;font-weight:600;color:#333;}
.tocw li a:hover{color:var(--red);border-color:var(--red);}
.share-row{display:flex;align-items:center;gap:8px;margin-top:12px;}
.share-row span{font-size:12.5px;font-weight:700;color:var(--muted);margin-right:2px;}
.share-row a{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:13px;}
.share-row a:hover{opacity:.85;}
.cta-band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px 26px;margin:30px 0;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;}
.cta-band b{font-size:17px;font-weight:800;}
.cta-band p{font-size:13.5px;color:#c5ccd8;margin-top:4px;}
.trust-band{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:26px 0 10px;font-size:12.5px;color:#555;line-height:1.6;}
.trust-band b{display:block;font-size:13.5px;color:#222;margin-bottom:5px;}
.trust-band a{color:var(--red);font-weight:600;}
.sdeal{display:block;background:var(--bg);border-radius:6px;padding:10px 12px;margin-bottom:8px;}
.sdeal b{display:block;font-size:14.5px;font-weight:800;}
.sdeal span{font-size:12px;color:var(--muted);}
.sdeal:hover b{color:var(--red);}
.snews{display:block;padding:9px 0;border-bottom:1px solid var(--line);}
.snews:last-of-type{border-bottom:none;}
.snews b{display:block;font-size:13.5px;font-weight:600;line-height:1.4;}
.snews:hover b{color:var(--red);}
.snews time{font-size:11.5px;color:var(--muted);}
.prose .callout{background:#eef4ff;border-left:5px solid #2f6fed;border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-family:"Inter",sans-serif;font-size:15px;}
.prose .warning{background:#fff4e0;border-left:5px solid #f59e0b;border-radius:var(--radius);padding:16px 20px;margin:22px 0;font-family:"Inter",sans-serif;font-size:15px;}

/* ===== MSE-style design system: no more "full white AI page" ===== */
body{background:#e9edf5;}
/* The main content sits on a white sheet; header/nav/footer stay full-width. */
main > .wrap{background:#fff;border-radius:0 0 12px 12px;padding-left:24px;padding-right:24px;
  box-shadow:0 2px 10px rgba(14,22,38,.07);margin-bottom:26px;}

/* Red corner tag labeling a section (MSE "Tools and calculators" chip) */
.sec-tag{display:inline-block;background:var(--red);color:#fff;font-size:11px;font-weight:800;
  text-transform:uppercase;letter-spacing:.06em;padding:5px 12px;border-radius:4px;margin-bottom:-6px;
  position:relative;z-index:2;}

/* Navy heading box with yellow-highlighted words ("Clever ways") */
.mse-h{display:inline-block;background:var(--navy);color:#fff;font-size:22px;font-weight:800;
  letter-spacing:-.01em;padding:7px 16px;line-height:1.35;}
.mse-h .y{color:var(--yellow);}

/* Royal-blue tools panel with white inner card */
.band-blue{background:#2f5fc4;border-radius:12px;padding:0 22px 22px;margin:14px 0;position:relative;}
.band-blue .sec-head{padding-top:18px;}
.band-blue .sec-head p{color:#c9d8f5;}
.band-blue .viewall{color:#fff;}
.band-blue .panel-inner{background:#fff;border-radius:10px;padding:18px;}

/* Cream band with soft curved top (MSE key-facts sections) */
.band-cream{background:#fdf6e3;border-radius:48px 12px 12px 12px;padding:10px 22px 22px;margin:14px 0;}

/* Navy newsletter band above the footer (MSE weekly email) */
.newsband{background:var(--navy);padding:30px 0;}
.newsband .inner{max-width:1180px;margin:0 auto;padding:0 20px;display:flex;align-items:center;
  justify-content:space-between;gap:24px;flex-wrap:wrap;}
.newsband h3{color:#fff;font-size:20px;font-weight:800;background:var(--navy-soft);
  display:inline-block;padding:5px 14px;}
.newsband h3 .y{color:var(--yellow);}
.newsband p{color:#9fb0c9;font-size:13.5px;margin-top:8px;max-width:420px;}
.newsband form{display:flex;gap:0;min-width:320px;}
.newsband input{border:none;border-radius:6px 0 0 6px;padding:13px 16px;font-family:inherit;
  font-size:14px;flex:1;min-width:0;}
.newsband button{background:var(--red);border:none;border-radius:0 6px 6px 0;color:#fff;
  font-weight:800;font-size:14px;padding:13px 22px;cursor:pointer;font-family:inherit;}
.newsband button:hover{background:var(--red-dark);}
.newsband .links{display:flex;gap:16px;margin-top:10px;}
.newsband .links a{color:#c5ccd8;font-size:12px;font-weight:600;text-decoration:underline;}

/* Key points: numbered yellow badges on cream (MSE numbered list) */
.keypoints{background:#fdf6e3;border:none;border-radius:36px 10px 10px 10px;padding:20px 26px 12px;}
.keypoints .kp-head{color:var(--navy);}
.keypoints ul{list-style:none;margin:0;padding:0;counter-reset:kp;}
.keypoints li{counter-increment:kp;position:relative;padding:11px 0 11px 46px;margin:0;
  border-bottom:1px solid #f0e4bd;font-weight:600;color:var(--navy);font-size:14.5px;line-height:1.5;}
.keypoints li:last-child{border-bottom:none;}
.keypoints li::before{content:counter(kp);position:absolute;left:0;top:9px;width:30px;height:30px;
  background:var(--yellow);border-radius:9px 9px 9px 2px;display:flex;align-items:center;
  justify-content:center;font-weight:800;font-size:14px;color:var(--navy);}

@media (max-width:640px){
  main > .wrap{padding-left:14px;padding-right:14px;}
  .newsband .inner{flex-direction:column;align-items:flex-start;}
  .newsband form{width:100%;}
}

/* ===== FAQ: MSE numbered accordion on cream (reference design) ===== */
.faq{background:#fdf6e3;border-radius:48px 12px 12px 12px;padding:22px 28px 14px;counter-reset:faq;margin:14px 0;}
.faq h2{margin-top:4px;}
.faq details{border:none;border-radius:0;padding:0;margin:0;border-bottom:1px solid #f0e4bd;counter-increment:faq;}
.faq details:last-of-type{border-bottom:none;}
.faq summary{display:block;position:relative;padding:16px 36px 16px 48px;font-weight:700;font-size:15px;color:var(--navy);line-height:1.45;cursor:pointer;list-style:none;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::before{content:counter(faq);position:absolute;left:0;top:13px;width:30px;height:30px;background:var(--yellow);border-radius:9px 9px 9px 2px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;color:var(--navy);}
.faq summary::after{content:"";width:9px;height:9px;border-right:2.5px solid var(--navy);border-bottom:2.5px solid var(--navy);position:absolute;right:14px;top:20px;transform:rotate(45deg);transition:transform .15s ease;}
.faq details[open] summary::after{transform:rotate(225deg);top:24px;}
.faq p{font-size:14px;color:#4b5563;padding:0 12px 16px 48px;line-height:1.65;}

/* ===== Generated brand illustrations (doodles like MSE) ===== */
.band-blue{background-image:url('/images/tools-doodle.png');background-repeat:no-repeat;
  background-position:right -40px top -40px;background-size:280px;}
.newsband{background-image:url('/images/newsband-doodle.png');background-repeat:no-repeat;
  background-position:right 4% center;background-size:170px;}
@media (max-width:860px){.newsband{background-image:none;}.band-blue{background-size:200px;}}

/* ===== Decoration pass: diagonal band pattern + spot illustrations ===== */
/* Navy newsletter band: lighter diagonal sweep (MSE pattern) + envelope spot */
.newsband{position:relative;overflow:hidden;
  background-image:url('/images/spot-envelope.png'),
    linear-gradient(112deg, #1d2947 0%, #1d2947 36%, var(--navy) 36.4%);
  background-repeat:no-repeat, no-repeat;
  background-position:right 3.5% bottom -34px, center;
  background-size:180px, cover;background-color:var(--navy);}

/* Lavender related-links callout with signpost spot (MSE "Not what you want?") */
.related-callout{background:#e6ebfa;border-radius:12px;padding:24px 200px 24px 28px;
  position:relative;overflow:hidden;margin:26px 0;}
.related-callout b.rc-title{font-size:16px;color:var(--navy);display:block;margin-bottom:12px;font-weight:800;}
.related-callout ul{list-style:none;margin:0;padding:0;}
.related-callout li{font-size:14px;margin-bottom:9px;color:#333;line-height:1.5;}
.related-callout li a{color:#2f5fc4;font-weight:700;text-decoration:underline;}
.related-callout li a:hover{color:var(--red);}
.related-callout img.spot{position:absolute;right:16px;bottom:-12px;width:158px;}

/* Spot illustration hanging off a page hero (deals, hubs) */
.page-hero{position:relative;}
.page-hero img.hero-spot{position:absolute;right:6px;bottom:-6px;width:110px;}

@media (max-width:860px){
  .newsband{background-image:linear-gradient(112deg, #1d2947 0%, #1d2947 36%, var(--navy) 36.4%);}
  .related-callout{padding-right:28px;}
  .related-callout img.spot, .page-hero img.hero-spot{display:none;}
}
.deal-hero{position:relative;}
.deal-hero img.hero-spot{position:absolute;right:22px;bottom:-4px;width:120px;}
@media (max-width:860px){.deal-hero img.hero-spot{display:none;}}

/* decoration position refinements (re-applied) */
.band-blue{background-position:right -70px top -80px;background-size:250px;}
.newsband{background-position:right 1.2% bottom -22px, center;background-size:140px, cover;}

/* ===== MSE per-category content blocks ===== */
.catblock{border-top:1px solid var(--line);padding:26px 0 20px;}
.catblock-tint{background:#f6f8fc;margin:0 -24px;padding-left:24px;padding-right:24px;}
.cb-head{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:16px;}
.cb-tag{color:#fff;font-size:12.5px;font-weight:800;text-transform:uppercase;letter-spacing:.05em;padding:6px 12px;border-radius:4px;}
.cb-sub{color:var(--muted);font-size:13.5px;flex:1;}
.cb-body{display:grid;grid-template-columns:1fr 300px;gap:22px;}
.cb-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.cb-side h4{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:var(--navy);margin-bottom:10px;}
.cb-side ul{list-style:none;margin:0;padding:0;}
.cb-side li{border-bottom:1px solid var(--line);}
.cb-side li a{display:block;padding:9px 2px;font-size:14px;font-weight:600;color:#2f5fc4;}
.cb-side li a:hover{color:var(--red);}
.cb-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px;}
.cb-chips a{color:#fff;font-size:12.5px;font-weight:700;padding:7px 14px;border-radius:5px;}
.cb-chips a:hover{opacity:.85;}
@media (max-width:1024px){.cb-body{grid-template-columns:1fr;}}
@media (max-width:640px){.cb-cards{grid-template-columns:1fr;}}

/* ===== How this site works (homepage bottom, MSE gray block) ===== */
.howworks{background:#eceff5;border-radius:12px;margin:26px -6px 8px;padding:26px 30px;}
.howworks h2{font-size:19px;font-weight:800;margin-bottom:10px;}
.howworks .hw-lead{font-size:13.5px;color:#444;line-height:1.65;max-width:860px;margin-bottom:14px;}
.hw-cols{display:grid;grid-template-columns:1fr 1fr;gap:8px 34px;}
.hw-cols ul{list-style:none;margin:0;padding:0;}
.hw-cols li{position:relative;font-size:13px;color:#555;line-height:1.6;padding:0 0 10px 18px;}
.hw-cols li::before{content:"";position:absolute;left:2px;top:8px;width:6px;height:6px;border-radius:50%;background:var(--red);}
.howworks .hw-links{margin-top:8px;font-size:13px;}
.howworks .hw-links a{color:#2f5fc4;font-weight:700;text-decoration:underline;}
@media (max-width:860px){.hw-cols{grid-template-columns:1fr;}}

/* ===== Header & mega-menu polish ===== */
nav.main{box-shadow:0 2px 8px rgba(14,22,38,.08);position:relative;z-index:90;}
nav.main .wrap{gap:2px;}
nav.main a{padding:13px 12px;border-radius:0;position:relative;font-weight:700;color:#26303f;}
nav.main .navitem>a:hover, nav.main>.wrap>a:hover{color:var(--red);box-shadow:inset 0 -3px 0 var(--red);}
.mega-caret{font-size:8px;opacity:.55;margin-left:3px;}
.mega{border-top:3px solid var(--red);box-shadow:0 18px 40px rgba(14,22,38,.18);border-radius:0 0 12px 12px;}
.mega-inner{padding:22px 26px;gap:34px;}
.mega-col h5{font-size:11.5px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);
  border-bottom:2px solid var(--line);padding-bottom:8px;margin-bottom:10px;}
.mega-col a{padding:7px 8px;margin:0 -8px;border-radius:6px;font-size:13.5px;font-weight:600;color:#333;display:block;}
.mega-col a:hover{background:#f4f6fb;color:var(--red);}
.mega-feat .b{border-radius:10px;padding:18px;box-shadow:0 6px 18px rgba(14,22,38,.14);}
.topbar .search input{border-radius:6px 0 0 6px;}
.topbar .search button{border-radius:0 6px 6px 0;}

/* ===== Mobile menu rebuild ===== */
.mega-caret{font-size:11px;opacity:.7;}
.mobile-only{display:none !important;}
@media (max-width:640px){
  .burger{display:flex;}
  nav.main .wrap{display:none;}
  nav.main .wrap.mobile-open{display:flex;flex-direction:column;align-items:stretch;height:auto;
    overflow:visible;padding:2px 0 8px;gap:0;}
  .mobile-open .navitem{width:100%;flex-direction:column;align-items:stretch;}
  .mobile-open .navitem>a, .mobile-open>a{width:100%;display:flex;justify-content:space-between;
    align-items:center;padding:14px 20px;border-bottom:1px solid var(--line);font-size:15px;
    font-weight:700;color:#1f2937;box-shadow:none;border-radius:0;white-space:normal;}
  .mobile-open>a.mobile-only{display:flex !important;justify-content:flex-start;}
  .mobile-open .mega-caret{font-size:14px;opacity:.8;margin-left:auto;}
  .mobile-open .mega{position:static;display:none;background:#f6f8fc;border:none;box-shadow:none;border-radius:0;}
  .mobile-open .navitem.open .mega{display:block;}
  .mobile-open .navitem.open>a{color:var(--red);}
  .mobile-open .mega-inner{flex-direction:column;gap:2px;padding:6px 20px 12px;}
  .mobile-open .mega-col{min-width:0;}
  .mobile-open .mega-col h5{margin-top:8px;padding-bottom:6px;}
  .mobile-open .mega-col a{padding:10px 8px;margin:0;font-size:14px;border-bottom:1px solid #eceff5;}
  .mobile-open .mega-col a:last-child{border-bottom:none;}
  .mobile-open .mega-feat{display:none;}
}

/* Carets: real CSS chevrons instead of tiny text glyph (desktop + mobile) */
nav.main .mega-caret{font-size:0;width:7px;height:7px;border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);opacity:.5;
  display:inline-block;margin-left:6px;}
@media (max-width:640px){
  /* higher specificity so plain links match the accordion rows */
  nav.main .wrap.mobile-open>a, nav.main .mobile-open .navitem>a{width:100%;display:flex;
    justify-content:space-between;align-items:center;padding:14px 20px;
    border-bottom:1px solid var(--line);font-size:15px;font-weight:700;color:#1f2937;
    box-shadow:none;border-radius:0;white-space:normal;}
  nav.main .mobile-open .mega-caret{width:9px;height:9px;border-width:2.5px;opacity:.7;margin-left:auto;}
  nav.main .mobile-open .navitem.open .mega-caret{transform:rotate(225deg) translateY(-2px);}
}
/* Mobile menu: kill the nowrap width-blowout (mega links forced 485px width) */
@media (max-width:640px){
  nav.main .wrap.mobile-open{overflow-x:hidden;}
  nav.main .wrap.mobile-open a{white-space:normal;}
}
@media (max-width:640px){
  nav.main .wrap.mobile-open>a.mobile-only{justify-content:flex-start;}
}

/* Desktop: content sheet floats as a card below the full-width nav (no seam) */
main > .wrap{margin-top:18px;border-radius:12px;}
@media (max-width:640px){main > .wrap{margin-top:0;border-radius:0 0 12px 12px;}}

/* ===== Category page top (MSE style) ===== */
.cat-topbar{display:flex;align-items:baseline;gap:14px;padding:16px 0 2px;flex-wrap:wrap;}
.cat-topbar h1{font-size:19px;font-weight:900;letter-spacing:.05em;text-transform:uppercase;color:var(--navy);
  border-right:2px solid #cdd4e3;padding-right:14px;line-height:1.2;}
.cat-topbar p{color:#4b5563;font-size:14.5px;}
.split-hero{display:grid;grid-template-columns:1fr 1fr;gap:80px;position:relative;margin:12px 0 6px;
  background:linear-gradient(102deg,var(--yellow) 0%,var(--yellow) 52%,var(--navy) 52.4%);
  border-radius:12px;padding:34px 38px;}
.split-hero .sh-left h2{display:inline;background:var(--navy);color:#fff;font-size:20px;font-weight:800;
  padding:4px 10px;line-height:1.55;box-decoration-break:clone;-webkit-box-decoration-break:clone;}
.split-hero .sh-left p{margin:16px 0 20px;font-size:14.5px;color:var(--navy);line-height:1.65;max-width:430px;font-weight:500;}
.split-hero .btn-hero{display:inline-block;background:var(--red);color:#fff;font-weight:800;font-size:12.5px;
  text-transform:uppercase;letter-spacing:.05em;padding:13px 22px;border-radius:6px;}
.split-hero .btn-hero:hover{background:var(--red-dark);}
.split-hero .sh-right{color:#fff;}
.split-hero .sh-right h3{font-size:17px;font-weight:800;margin-bottom:14px;line-height:1.4;}
.split-hero .sh-right ul{list-style:none;margin:0;padding:0;}
.split-hero .sh-right li{position:relative;padding:0 0 12px 28px;font-size:14px;line-height:1.55;color:#dbe2f2;}
.split-hero .sh-right li::before{content:"";position:absolute;left:2px;top:4px;width:11px;height:6px;
  border-left:2.5px solid var(--yellow);border-bottom:2.5px solid var(--yellow);transform:rotate(-45deg);}
.split-hero .sh-right li a{color:#fff;font-weight:700;text-decoration:underline;}
.split-hero .sh-right li a:hover{color:var(--yellow);}
.split-hero .sh-check{display:inline-block;margin-top:6px;color:#fff;font-weight:800;font-size:13.5px;text-decoration:underline;}
.split-hero .sh-check:hover{color:var(--yellow);}
.split-hero img.sh-spot{position:absolute;left:50%;top:50%;transform:translate(-62%,-50%);width:110px;}
@media (max-width:860px){
  .split-hero{grid-template-columns:1fr;gap:0;background:none;padding:0;overflow:hidden;}
  .split-hero .sh-left{background:var(--yellow);padding:26px 24px;border-radius:12px 12px 0 0;}
  .split-hero .sh-right{background:var(--navy);padding:24px;border-radius:0 0 12px 12px;}
  .split-hero img.sh-spot{display:none;}
}

/* ===== Footer rebuild ===== */
.foot-grid{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr 1fr;gap:36px;padding:40px 0 30px;}
.foot-brand b{font-size:24px;}
.foot-brand p{margin:12px 0 18px;max-width:280px;}
.fcol h4{font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.09em;color:var(--yellow);margin-bottom:14px;}
.fcol a{display:block;color:#c2cadb;font-size:13.5px;padding:5px 0;line-height:1.45;}
.fcol a:hover{color:#fff;text-decoration:underline;}
.foot-bottom{font-size:12px;}
.foot-bottom a{color:#8b95a7;text-decoration:underline;}
.foot-bottom a:hover{color:#fff;}
@media (max-width:1024px){.foot-grid{grid-template-columns:1fr 1fr 1fr;}}
@media (max-width:640px){.foot-grid{grid-template-columns:1fr 1fr;}.foot-brand{grid-column:1 / -1;}}

/* ===== Article page redesign: trusted premium look ===== */

/* Byline + share in one balanced row */
.byline-row{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0;margin-top:16px;}
.byline-row .byline{margin:0;border:none;padding:0;}
.byline-row .share-row{margin-top:0;}

/* Stylish article tables: navy header, zebra rows, soft frame */
.prose table{border-collapse:separate;border-spacing:0;border:1px solid var(--line);
  border-radius:10px;overflow:hidden;font-size:13.5px;box-shadow:0 2px 8px rgba(14,22,38,.05);}
.prose table th, .prose table td{border:none;border-bottom:1px solid var(--line);padding:11px 14px;vertical-align:top;}
/* Header row: real thead, or the first row of a thead-less table */
.prose thead th, .prose thead td,
.prose table > tbody:first-child > tr:first-child > th,
.prose table > tbody:first-child > tr:first-child > td{background:var(--navy);color:#fff;
  font-weight:700;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;border-bottom:none;}
.prose tbody tr:nth-child(even) > td{background:#f7f9fc;}
.prose tbody tr:hover > td{background:#eef3fb;}
.prose table > tbody:first-child > tr:first-child:hover > th,
.prose table > tbody:first-child > tr:first-child:hover > td{background:var(--navy);}
.prose table tr:last-child th, .prose table tr:last-child td{border-bottom:none;}
.table-scroll{overflow-x:auto;margin:22px 0;-webkit-overflow-scrolling:touch;}
.table-scroll table{margin:0;min-width:560px;}

/* Inline newsletter CTA: premium band */
.inline-cta{background:linear-gradient(115deg, var(--navy) 0%, var(--navy) 55%, #1d2947 55.3%);
  border-radius:12px;padding:22px 26px;position:relative;overflow:hidden;}
.inline-cta::before{content:"";position:absolute;right:-30px;top:-30px;width:130px;height:130px;
  background:url('/images/spot-envelope.png') no-repeat center/contain;opacity:.9;}
.inline-cta b{background:var(--navy-soft);padding:3px 10px;display:inline-block;}
.inline-cta b::first-letter{color:var(--yellow);}
.inline-cta .btn-red.sm{padding:11px 22px;font-weight:800;}

/* Trust band: card with accent + tighter typography */
.trust-band{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy);
  border-radius:10px;padding:20px 24px;box-shadow:0 2px 8px rgba(14,22,38,.05);}
.trust-band b{font-size:14.5px;letter-spacing:.01em;}
.trust-band a{white-space:nowrap;}

@media (max-width:640px){
  .byline-row{flex-direction:column;align-items:flex-start;gap:10px;}
  .inline-cta::before{display:none;}
}

/* ===== Overflow + polish fixes ===== */
/* Long German words made 1fr columns overflow their container: minmax(0,1fr) fixes it */
.tools{grid-template-columns:repeat(6,minmax(0,1fr));}
.tools-grid{grid-template-columns:repeat(4,minmax(0,1fr));}
.tcard{min-width:0;}
.tcard b{overflow-wrap:break-word;min-width:0;}
@media (max-width:1024px){.tools{grid-template-columns:repeat(4,minmax(0,1fr));}.tools-grid{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:640px){.tools{grid-template-columns:repeat(2,minmax(0,1fr));}.tools-grid{grid-template-columns:1fr;}}

/* Breathing room at the bottom of the content sheet (share row was touching the edge) */
main > .wrap{padding-bottom:30px;}

/* ===== Article lists: designed, not flat ===== */
.prose > ul{list-style:none;margin:18px 0;padding:0;}
.prose > ul > li{position:relative;padding:0 0 14px 30px;line-height:1.65;}
.prose > ul > li::before{content:"";position:absolute;left:4px;top:9px;width:9px;height:9px;
  background:var(--red);border-radius:2px;transform:rotate(45deg);}
.prose > ol{margin:18px 0;padding-left:6px;list-style:none;counter-reset:plist;}
.prose > ol > li{position:relative;padding:0 0 14px 40px;line-height:1.65;counter-increment:plist;}
.prose > ol > li::before{content:counter(plist);position:absolute;left:0;top:1px;width:26px;height:26px;
  background:var(--yellow);border-radius:8px 8px 8px 2px;display:flex;align-items:center;
  justify-content:center;font-family:"Inter",sans-serif;font-weight:800;font-size:13px;color:var(--navy);}

/* Blockquotes: pull-quote design */
.prose blockquote{position:relative;background:#fdf6e3;border:none;border-left:5px solid var(--yellow);
  border-radius:0 12px 12px 0;margin:24px 0;padding:20px 24px 20px 54px;font-style:italic;color:var(--navy);}
.prose blockquote::before{content:"\201C";position:absolute;left:16px;top:6px;font-size:44px;
  font-family:Georgia,serif;color:var(--yellow);font-style:normal;line-height:1;}
.prose blockquote p{padding:0;margin:0;}
.tcard b{hyphens:auto;-webkit-hyphens:auto;}

/* ===== Auth page (MSE-style split card) ===== */
.auth-shell{display:grid;grid-template-columns:1.05fr 1fr;margin:26px 0 10px;border-radius:14px;
  overflow:hidden;box-shadow:0 12px 34px rgba(14,22,38,.14);}
.auth-left{background:var(--navy);color:#fff;padding:40px 44px 36px 38px;position:relative;}
.auth-left::after{content:"";position:absolute;right:-8px;top:-10px;bottom:-10px;width:16px;
  background:var(--red);transform:skewX(-4deg);}
.auth-left h1{font-size:22px;font-weight:800;line-height:1.5;margin-bottom:14px;}
.auth-left .hl-box{background:var(--navy-soft);padding:4px 12px;box-decoration-break:clone;-webkit-box-decoration-break:clone;}
.auth-left .hl-box .y{color:var(--yellow);}
.auth-sub{font-size:14.5px;color:#c5ccd8;margin-bottom:16px;}
.auth-benefits{list-style:none;margin:0 0 18px;padding:0;}
.auth-benefits li{display:flex;gap:12px;align-items:flex-start;font-size:14px;line-height:1.55;
  color:#dbe2f2;padding-bottom:14px;}
.auth-benefits .abi{flex-shrink:0;width:30px;height:30px;border-radius:8px;background:var(--yellow);
  color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:13px;}
.auth-note{font-size:12.5px;color:#9fb0c9;line-height:1.6;border-top:1px solid #24304b;padding-top:14px;}
.auth-right{background:#fff;padding:0 38px 34px;}
.auth-tabs{display:flex;margin:0 -38px 26px;border-bottom:1px solid var(--line);}
.auth-tabs button{flex:1;background:#f4f6fb;border:none;font-family:inherit;font-size:15px;font-weight:700;
  color:#555;padding:16px 10px;cursor:pointer;border-bottom:3px solid transparent;}
.auth-tabs button.active{background:#fff;color:var(--navy);border-bottom-color:var(--red);}
.auth-pane label{display:block;font-size:13.5px;font-weight:700;color:var(--navy);margin:0 0 6px;}
.auth-pane input[type=email], .auth-pane input[type=password]{width:100%;border:1px solid #cdd4e3;
  border-radius:8px;padding:12px 14px;font-family:inherit;font-size:14.5px;margin-bottom:16px;outline:none;}
.auth-pane input:focus{border-color:var(--red);}
.auth-remember{display:flex !important;align-items:center;gap:8px;font-weight:600 !important;
  color:#555 !important;font-size:13px !important;margin-bottom:16px !important;}
.auth-error{background:#fde8e8;color:#b91c1c;border-radius:8px;padding:10px 14px;font-size:13.5px;
  font-weight:600;margin-bottom:14px;}
.auth-ok{background:#e9f9ef;color:#15803d;border-radius:8px;padding:10px 14px;font-size:13.5px;
  font-weight:600;margin-bottom:14px;}
@media (max-width:860px){
  .auth-shell{grid-template-columns:1fr;}
  .auth-left::after{display:none;}
  .auth-right{padding:0 24px 26px;}
  .auth-tabs{margin:0 -24px 22px;}
}

/* Plain wrap (login page): card floats directly on the gray page, no white sheet */
main > .wrap.wrap-plain{background:transparent;box-shadow:none;border-radius:0;}

/* Square ad beside the article header (fills the empty right column) */
.art-top{display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start;}
.art-top .art-head{min-width:0;}
.art-top-ad{padding-top:34px;display:flex;justify-content:flex-end;}
.art-top-ad .ad-box{margin:0;}
@media (max-width:1024px){.art-top{grid-template-columns:1fr;}.art-top-ad{display:none;}}

/* ===== Designed content components (usable inside any article) ===== */
.feature-row{display:grid;grid-template-columns:96px 1fr 300px;gap:22px;align-items:start;
  padding:26px 0;border-bottom:1px dashed var(--line);font-family:"Inter",sans-serif;}
.feature-row:last-of-type{border-bottom:none;}
.fr-icon{width:84px;height:84px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:30px;}
.fr-icon.green{background:#e9f9ef;color:#16a34a;}
.fr-icon.orange{background:#fdeee4;color:#ea580c;}
.fr-icon.blue{background:#e8f0fe;color:#2f6fed;}
.fr-body h3{font-size:19px;font-weight:800;margin:0 0 8px;display:flex;align-items:center;gap:10px;}
.fr-num{width:24px;height:24px;border-radius:50%;color:#fff;font-size:13px;font-weight:800;
  display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;}
.fr-num.green{background:#16a34a;}.fr-num.orange{background:#ea580c;}.fr-num.blue{background:#2f6fed;}
.fr-body p{font-size:14.5px;line-height:1.6;margin:0 0 8px;}
.fr-body ul{list-style:none;margin:0;padding:0;}
.fr-body li{position:relative;font-size:13.5px;line-height:1.55;color:#444;padding:0 0 7px 16px;}
.fr-body li::before{content:"";position:absolute;left:2px;top:8px;width:5px;height:5px;border-radius:50%;background:currentColor;opacity:.5;}
.fr-body .hl-green{color:#16a34a;font-weight:700;}
.fr-body .hl-orange{color:#ea580c;font-weight:700;}
.fr-body .hl-blue{color:#2f6fed;font-weight:700;}
.example-card{border-radius:12px;padding:18px 20px;font-size:13.5px;line-height:1.6;}
.example-card .ec-head{font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.07em;margin-bottom:8px;display:flex;justify-content:space-between;align-items:center;}
.example-card.green{background:#f0faf3;border:1px solid #bfe8cc;color:#1f2937;}
.example-card.green .ec-head, .example-card.green b{color:#16a34a;}
.example-card.orange{background:#fdf3ec;border:1px solid #f6d3bb;color:#1f2937;}
.example-card.orange .ec-head, .example-card.orange b{color:#ea580c;}
.example-card.blue{background:#eef3fd;border:1px solid #c4d5f6;color:#1f2937;}
.example-card.blue .ec-head, .example-card.blue b{color:#2f6fed;}
.goodtoknow{display:grid;grid-template-columns:64px 1fr auto;gap:18px;align-items:center;
  background:#eef1f7;border-radius:12px;padding:20px 24px;margin:26px 0;font-family:"Inter",sans-serif;}
.goodtoknow .gk-icon{width:52px;height:52px;border-radius:50%;background:#e0e7f5;color:#2f6fed;
  display:flex;align-items:center;justify-content:center;font-size:22px;}
.goodtoknow b{display:block;font-size:15px;margin-bottom:4px;}
.goodtoknow p{font-size:13px;color:#4b5563;line-height:1.55;margin:0;}
.goodtoknow .gk-cta{border:2px solid #2f6fed;color:#2f6fed;font-weight:700;font-size:13.5px;
  border-radius:8px;padding:11px 18px;white-space:nowrap;}
.goodtoknow .gk-cta:hover{background:#2f6fed;color:#fff;}
@media (max-width:1024px){.feature-row{grid-template-columns:64px 1fr;}
  .feature-row .example-card{grid-column:2;}.fr-icon{width:56px;height:56px;font-size:22px;}}
@media (max-width:640px){.goodtoknow{grid-template-columns:1fr;}.feature-row{grid-template-columns:1fr;}
  .feature-row .example-card{grid-column:1;}}