/* ============ MoneyWise Journal — Shared Styles ============ */
:root {
  --bg: #faf9f6;
  --surface: #ffffff;
  --ink: #1a2e2a;
  --muted: #5b6f6a;
  --accent: #0f766e;
  --accent-dark: #0b5751;
  --accent-soft: #e0f2ef;
  --gold: #b98a2f;
  --gold-soft: #fdf3dd;
  --line: #e4e4dc;
  --radius: 14px;
  --shadow: 0 2px 10px rgba(20,45,40,.07);
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: Georgia, "Times New Roman", serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.7;
  font-size: 17px;
}
h1, h2, h3, h4 { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; line-height: 1.25; }

/* Header / Nav */
.site-header { background: var(--surface); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.nav-wrap { max-width: 1040px; margin: 0 auto; padding: 14px 24px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.logo { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 800; font-size: 1.25rem; letter-spacing: -.02em; color: var(--accent-dark); text-decoration: none; }
.logo span { color: var(--gold); }
.main-nav a { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); text-decoration: none; margin-left: 20px; transition: color .15s ease; }
.main-nav a:hover, .main-nav a.active { color: var(--accent); }

/* Hero */
.hero { max-width: 860px; margin: 0 auto; padding: 60px 24px 32px; }
.kicker { display: inline-block; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: var(--accent); background: var(--accent-soft); padding: 6px 14px; border-radius: 999px; margin-bottom: 18px; }
.hero h1 { font-size: clamp(2rem, 5vw, 2.9rem); font-weight: 800; letter-spacing: -.03em; }
.hero .standfirst { font-size: 1.13rem; color: var(--muted); margin-top: 16px; font-style: italic; }
.post-meta { margin-top: 22px; display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .82rem; color: var(--muted); }
.byline-avatar { width: 34px; height: 34px; border-radius: 50%; background: linear-gradient(135deg, var(--accent), var(--gold)); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-weight: 700; font-size: .8rem; }

/* Article body */
.article { max-width: 760px; margin: 0 auto; padding: 24px 24px 50px; }
.article p { margin-bottom: 1.15em; }
.article h2 { font-size: 1.55rem; font-weight: 800; letter-spacing: -.02em; margin: 2.1em 0 .7em; }
.article h2::after { content: ""; display: block; width: 52px; height: 3px; background: var(--gold); border-radius: 2px; margin-top: 10px; }
.article h3 { font-size: 1.15rem; font-weight: 700; margin: 1.7em 0 .5em; color: var(--accent-dark); }
.article ul, .article ol { margin: 0 0 1.2em 1.4em; }
.article li { margin-bottom: .45em; }
.article a { color: var(--accent); }
.drop::first-letter { float: left; font-size: 3.4em; line-height: .85; padding-right: 10px; font-weight: bold; color: var(--accent-dark); }

/* Components */
.callout { background: var(--accent-soft); border-left: 4px solid var(--accent); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 22px; margin: 26px 0; font-size: .97rem; }
.callout.gold { background: var(--gold-soft); border-color: var(--gold); }
.callout-title { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--accent-dark); margin-bottom: 6px; }
.callout.gold .callout-title { color: var(--gold); }

.stat-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 14px; margin: 28px 0; }
.stat-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 18px; text-align: center; }
.stat-num { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 1.9rem; font-weight: 800; color: var(--accent); letter-spacing: -.02em; }
.stat-label { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .76rem; color: var(--muted); margin-top: 4px; line-height: 1.4; }

.tip-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 26px 28px; margin: 30px 0; }
.tip-head { display: flex; align-items: baseline; gap: 14px; margin-bottom: 10px; }
.tip-number { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 800; font-size: 2rem; color: var(--gold); min-width: 44px; letter-spacing: -.04em; }
.tip-head h3 { margin: 0 !important; font-size: 1.2rem !important; color: var(--ink) !important; }

table.data { width: 100%; border-collapse: collapse; margin: 26px 0; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .86rem; box-shadow: var(--shadow); border-radius: var(--radius); overflow: hidden; }
table.data th { background: var(--accent-dark); color: #fff; text-align: left; padding: 11px 14px; font-weight: 600; }
table.data td { padding: 11px 14px; border-top: 1px solid var(--line); background: var(--surface); vertical-align: top; }
table.data tr:nth-child(even) td { background: #f4f6f4; }

.takeaways { background: linear-gradient(135deg, #0b3d38, #0f766e); color: #eafaf6; border-radius: var(--radius); padding: 30px 32px; margin: 44px 0 10px; }
.takeaways h2 { color: #fff !important; margin-top: 0 !important; font-size: 1.3rem !important; }
.takeaways h2::after { background: var(--gold); }
.takeaways ul { margin-left: 1.2em; }
.takeaways li { margin-bottom: .55em; }
.takeaways strong { color: #ffd98a; }

/* Footer & post nav */
.post-nav { max-width: 760px; margin: 30px auto 70px; padding: 0 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.post-nav a { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 16px 20px; text-decoration: none; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; transition: transform .15s ease, border-color .15s ease; }
.post-nav a:hover { transform: translateY(-2px); border-color: var(--accent); }
.post-nav .dir { display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-bottom: 4px; }
.post-nav .title { display: block; font-weight: 700; color: var(--accent-dark); font-size: .9rem; }
.post-nav a.next { text-align: right; }
.site-footer { background: #12241f; color: #9db8b0; padding: 34px 24px; text-align: center; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .85rem; }
.site-footer .logo { color: #fff; }
.site-footer nav { margin-top: 10px; }
.site-footer nav a { color: #cfe6de; text-decoration: none; margin: 0 12px; }
.site-footer nav a:hover { color: #fff; }
.disclaimer { margin-top: 16px; font-size: .74rem; color: #6d877e; max-width: 640px; margin-left: auto; margin-right: auto; }

/* Index page */
.blog-hero { background: linear-gradient(140deg, #0b3d38 0%, #0f766e 70%, #12897f 100%); color: #eafaf6; padding: 84px 24px 72px; text-align: center; }
.blog-hero .kicker { background: rgba(255,255,255,.12); color: #ffd98a; }
.blog-hero h1 { font-size: clamp(2.2rem, 6vw, 3.4rem); font-weight: 800; letter-spacing: -.03em; color: #fff; max-width: 800px; margin: 0 auto; }
.blog-hero p { max-width: 640px; margin: 18px auto 0; font-size: 1.1rem; color: #cfe6de; font-style: italic; }
.posts-section { max-width: 1040px; margin: 0 auto; padding: 56px 24px; }
.section-head { text-align: center; margin-bottom: 36px; }
.section-head h2 { font-size: 1.7rem; font-weight: 800; letter-spacing: -.02em; }
.section-head h2::after { content: ""; display: block; width: 56px; height: 3px; background: var(--gold); border-radius: 2px; margin: 12px auto 0; }
.section-head p { color: var(--muted); margin-top: 12px; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 22px; }
.post-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; text-decoration: none; color: inherit; display: flex; flex-direction: column; transition: transform .15s ease, box-shadow .15s ease; }
.post-card:hover { transform: translateY(-4px); box-shadow: 0 10px 26px rgba(20,45,40,.13); }
.card-banner { height: 110px; display: flex; align-items: center; justify-content: center; font-size: 2.6rem; }
.banner-teal { background: linear-gradient(135deg, #0f766e, #34b3a5); }
.banner-gold { background: linear-gradient(135deg, #b98a2f, #dfb96a); }
.banner-slate { background: linear-gradient(135deg, #334155, #64748b); }
.banner-plum { background: linear-gradient(135deg, #6d28d9, #a78bfa); }
.banner-rose { background: linear-gradient(135deg, #be185d, #f472b6); }
.banner-navy { background: linear-gradient(135deg, #1e3a5f, #5a8bd6); }
.banner-copper { background: linear-gradient(135deg, #9a3412, #fdba74); }
.banner-forest { background: linear-gradient(135deg, #14532d, #86efac); }
.banner-ocean { background: linear-gradient(135deg, #0e7490, #67e8f9); }
.banner-wine { background: linear-gradient(135deg, #7f1d1d, #f87171); }
.banner-indigo { background: linear-gradient(135deg, #3730a3, #a5b4fc); }
.card-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.card-tag { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: var(--accent); }
.card-body h3 { font-size: 1.15rem; font-weight: 700; margin: 8px 0 10px; letter-spacing: -.01em; color: var(--ink); }
.card-body p { font-size: .92rem; color: var(--muted); flex: 1; }
.card-link { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .8rem; font-weight: 700; color: var(--accent); margin-top: 16px; letter-spacing: .04em; }
.newsletter { max-width: 720px; margin: 0 auto 80px; padding: 0 24px; }
.newsletter-box { background: var(--gold-soft); border: 1px solid #ecd9ae; border-radius: var(--radius); padding: 36px; text-align: center; }
.newsletter-box h2 { font-size: 1.4rem; font-weight: 800; margin-bottom: 8px; }
.newsletter-box p { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.newsletter-form { display: flex; gap: 10px; max-width: 420px; margin: 0 auto; }
.newsletter-form input { flex: 1; padding: 12px 16px; border: 1px solid var(--line); border-radius: 8px; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .9rem; outline: none; }
.newsletter-form input:focus { border-color: var(--accent); }
.newsletter-form button { padding: 12px 22px; background: var(--accent-dark); color: #fff; border: none; border-radius: 8px; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 700; font-size: .88rem; cursor: pointer; }
.newsletter-form button:hover { background: var(--accent); }

/* ---------- Ad slots ---------- */
.ad-slot { max-width: 800px; margin: 36px auto 10px; padding: 0 24px; }
.ad-label { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .62rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: #a3b1ab; text-align: center; margin-bottom: 8px; }
.sponsor-strip { max-width: 720px; margin: 40px auto 70px; padding: 0 24px; }
.sponsor-card { display: flex; flex-direction: column; gap: 6px; background: linear-gradient(135deg, #123c37, #0f766e); color: #eafaf6; border-radius: var(--radius); box-shadow: var(--shadow); padding: 24px 28px; text-decoration: none; transition: transform .15s ease, box-shadow .15s ease; }
.sponsor-card:hover { transform: translateY(-3px); box-shadow: 0 10px 26px rgba(20,45,40,.2); }
.sponsor-tag { align-self: flex-start; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .62rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; background: rgba(255,217,138,.18); color: #ffd98a; border: 1px solid rgba(255,217,138,.45); border-radius: 999px; padding: 3px 10px; }
.sponsor-card .sponsor-title { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-weight: 800; font-size: 1.05rem; color: #fff; }
.sponsor-card p { font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: .86rem; color: #cfe6de; }

@media (max-width: 640px) {
  body { font-size: 16px; }
  .post-nav { grid-template-columns: 1fr; }
  .newsletter-form { flex-direction: column; }
  .tip-card { padding: 20px; }
}