/* CorePulse Flow – Money Notes */
:root {
  --paper: #fbfaf7;
  --surface: #ffffff;
  --ink: #142033;
  --ink-2: #3c4a5c;
  --muted: #6b7686;
  --line: #e6e2d9;
  --line-2: #efece5;
  --accent: #1f7a5a;
  --accent-ink: #145a42;
  --accent-soft: #e6f2ec;
  --sun: #f2b544;
  --sun-soft: #fdf3dc;
  --cost: #c4463a;
  --cost-soft: #fbeae7;
  --footer: #101a2a;
  --footer-ink: #c9d1dc;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --radius: 10px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #0f141b; --surface: #161d27; --ink: #e9edf2; --ink-2: #c3ccd7; --muted: #8e9aa8;
    --line: #283241; --line-2: #1e2733; --accent: #4cc095; --accent-ink: #7fd6b3; --accent-soft: #15302a;
    --sun: #f2b544; --sun-soft: #2f2715; --cost: #ef7d71; --cost-soft: #3a2020; --footer: #0a0e14; --footer-ink: #a9b4c2;
  }
}
:root[data-theme="dark"] {
  --paper: #0f141b; --surface: #161d27; --ink: #e9edf2; --ink-2: #c3ccd7; --muted: #8e9aa8;
  --line: #283241; --line-2: #1e2733; --accent: #4cc095; --accent-ink: #7fd6b3; --accent-soft: #15302a;
  --sun: #f2b544; --sun-soft: #2f2715; --cost: #ef7d71; --cost-soft: #3a2020; --footer: #0a0e14; --footer-ink: #a9b4c2;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.65 var(--sans); }
a { color: var(--accent-ink); text-underline-offset: 2px; }
img, svg { max-width: 100%; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.home-hero > *, .tool-band > *, .article-grid > *, .calc > *, .guide-list li > *, .foot-grid > * { min-width: 0; }
.measure { max-width: 700px; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Top strip + masthead */
.strip { background: var(--footer); color: #c9d1dc; font-size: 12.5px; }
.strip .wrap { display: flex; justify-content: space-between; gap: 12px; padding-top: 7px; padding-bottom: 7px; }
.strip a { color: #fff; }
.masthead { background: var(--surface); border-bottom: 1px solid var(--line); }
.masthead .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; }
.brand svg { width: 34px; height: 34px; flex: none; }
.brand b { font-family: var(--serif); font-size: 21px; font-weight: 700; letter-spacing: -.2px; }
.brand small { display: block; font-size: 11px; letter-spacing: 1.4px; text-transform: uppercase; color: var(--muted); font-weight: 600; line-height: 1; margin-top: 2px; }
.mainnav { display: flex; gap: 6px; flex-wrap: wrap; }
.mainnav a { color: var(--ink-2); text-decoration: none; font-size: 14.5px; font-weight: 500; padding: 8px 10px; border-radius: 8px; }
.mainnav a:hover { background: var(--line-2); }
.mainnav a[aria-current="page"] { color: var(--accent-ink); background: var(--accent-soft); }
@media (max-width: 640px) { .masthead .wrap { padding-top: 10px; padding-bottom: 10px; } .mainnav { width: 100%; margin: 0 -10px; } }

/* Type */
h1, h2, h3 { font-family: var(--serif); color: var(--ink); letter-spacing: -.2px; }
h1 { font-size: clamp(30px, 4.6vw, 44px); line-height: 1.12; margin: 0 0 12px; font-weight: 700; }
h2 { font-size: clamp(22px, 3vw, 27px); line-height: 1.25; margin: 0 0 10px; font-weight: 700; }
h3 { font-size: 19px; line-height: 1.3; margin: 0 0 6px; font-weight: 600; }
.kicker { font: 700 12px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: var(--accent-ink); margin: 0 0 10px; }
.dek { font-size: 19px; line-height: 1.5; color: var(--ink-2); margin: 0 0 16px; }
.meta { font-size: 13.5px; color: var(--muted); display: flex; flex-wrap: wrap; gap: 4px 14px; }
.meta b { color: var(--ink-2); font-weight: 600; }
.small { font-size: 13px; color: var(--muted); }

/* Buttons and links */
.btn { display: inline-flex; align-items: center; gap: 8px; background: var(--accent); color: #fff; text-decoration: none; font: 600 15px/1 var(--sans); padding: 12px 18px; border-radius: 8px; border: 0; cursor: pointer; }
.btn:hover { background: var(--accent-ink); }
.btn.secondary { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn.secondary:hover { background: var(--line-2); }
.more { font-weight: 600; text-decoration: none; }
.more::after { content: " →"; }

/* Home */
.home-hero { display: grid; grid-template-columns: 1.55fr 1fr; gap: 36px; padding: 40px 0 34px; border-bottom: 1px solid var(--line); }
@media (max-width: 860px) { .home-hero { grid-template-columns: 1fr; gap: 26px; } }
.feature a.title { color: var(--ink); text-decoration: none; }
.feature a.title:hover h1 { text-decoration: underline; text-decoration-thickness: 2px; }
.feature .art { display: block; border-radius: var(--radius); overflow: hidden; margin-bottom: 20px; border: 1px solid var(--line); }
.feature .art svg { display: block; width: 100%; height: auto; }
.latest h2 { font: 700 13px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: var(--muted); margin: 4px 0 6px; }
.latest ol { list-style: none; margin: 0; padding: 0; counter-reset: n; }
.latest li { counter-increment: n; display: grid; grid-template-columns: 34px 1fr; gap: 6px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.latest li::before { content: counter(n, decimal-leading-zero); font: 700 20px/1.2 var(--serif); color: var(--sun); }
.latest a { color: var(--ink); text-decoration: none; font: 600 18px/1.3 var(--serif); }
.latest a:hover { text-decoration: underline; }
.latest p { margin: 4px 0 0; font-size: 14px; color: var(--muted); }
.section { padding: 38px 0; border-bottom: 1px solid var(--line); }
.section:last-of-type { border-bottom: 0; }
.section-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 18px; }
.section-head h2 { margin: 0; }

.tool-band { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items: center; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 28px; }
@media (max-width: 860px) { .tool-band { grid-template-columns: 1fr; padding: 22px; } }
.tool-band p { color: var(--ink-2); margin: 0 0 18px; }
.mini-table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
.mini-table caption { text-align: left; font-size: 13px; color: var(--muted); padding-bottom: 8px; }
.mini-table td { padding: 10px 0; border-bottom: 1px solid var(--line); }
.mini-table td:last-child { text-align: right; font-weight: 700; white-space: nowrap; }
.mini-table tr.hi td:last-child { color: var(--cost); }
.mini-table tr.lo td:last-child { color: var(--accent-ink); }

.topics { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
@media (max-width: 860px) { .topics { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .topics { grid-template-columns: 1fr; } }
.topic { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; text-decoration: none; color: var(--ink); display: flex; flex-direction: column; gap: 6px; }
.topic:hover { border-color: var(--accent); }
.topic .icon { width: 38px; height: 38px; border-radius: 9px; background: var(--accent-soft); display: grid; place-items: center; margin-bottom: 6px; }
.topic .icon svg { width: 22px; height: 22px; }
.topic b { font: 600 17px/1.3 var(--serif); }
.topic span { font-size: 14px; color: var(--muted); }

.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
@media (max-width: 860px) { .pillars { grid-template-columns: 1fr; gap: 18px; } }
.pillars h3 { font-size: 18px; }
.pillars p { margin: 0; color: var(--ink-2); font-size: 15px; }

.subscriber { display: flex; gap: 18px; align-items: center; justify-content: space-between; flex-wrap: wrap; background: var(--sun-soft); border-radius: 14px; padding: 22px 26px; }
.subscriber p { margin: 0; color: var(--ink-2); max-width: 640px; }
.subscriber h2 { font-size: 22px; margin-bottom: 4px; }

/* Guides index */
.page-head { padding: 34px 0 22px; border-bottom: 1px solid var(--line); margin-bottom: 8px; }
.guide-list { list-style: none; margin: 0; padding: 0; }
.guide-list li { display: grid; grid-template-columns: 220px 1fr; gap: 24px; padding: 24px 0; border-bottom: 1px solid var(--line); }
@media (max-width: 640px) { .guide-list li { grid-template-columns: 1fr; gap: 12px; } }
.guide-list .art { border-radius: 8px; overflow: hidden; border: 1px solid var(--line); align-self: start; }
.guide-list .art svg { display: block; width: 100%; height: auto; }
.guide-list h2 { font-size: 22px; margin: 4px 0 6px; }
.guide-list h2 a { color: var(--ink); text-decoration: none; }
.guide-list h2 a:hover { text-decoration: underline; }
.guide-list p { margin: 0 0 8px; color: var(--ink-2); }

/* Article */
.crumbs { font-size: 13.5px; color: var(--muted); padding: 22px 0 0; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--ink); text-decoration: underline; }
.crumbs span { margin: 0 6px; }
.article-head { padding: 14px 0 22px; }
.article-head .meta { border-top: 1px solid var(--line); padding-top: 14px; margin-top: 6px; }
.article-art { border-radius: 12px; overflow: hidden; border: 1px solid var(--line); margin: 0 0 30px; }
.article-art svg { display: block; width: 100%; height: auto; }
.article-grid { display: grid; grid-template-columns: minmax(0, 700px) 300px; gap: 56px; align-items: start; }
@media (max-width: 1000px) { .article-grid { grid-template-columns: 1fr; gap: 10px; } }
.prose { font-size: 17.5px; line-height: 1.72; }
.prose p { margin: 0 0 18px; }
.prose h2 { margin: 38px 0 12px; scroll-margin-top: 20px; }
.prose h3 { margin: 26px 0 8px; }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 18px; }
.prose li { margin-bottom: 8px; }
.prose strong { color: var(--ink); }
.takeaways { background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--accent); border-radius: 8px; padding: 18px 22px; margin: 0 0 30px; }
.takeaways h2 { font: 700 13px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: var(--accent-ink); margin: 0 0 12px; }
.takeaways ul { margin: 0; padding-left: 20px; font-size: 16.5px; }
.takeaways li { margin-bottom: 6px; }
.note { background: var(--sun-soft); border-radius: 8px; padding: 16px 20px; margin: 26px 0; font-size: 16.5px; }
.note p:last-child { margin: 0; }
.step { display: grid; grid-template-columns: 42px 1fr; gap: 14px; padding: 18px 0; border-top: 1px solid var(--line); }
.step:last-of-type { border-bottom: 1px solid var(--line); margin-bottom: 22px; }
.step .num { width: 34px; height: 34px; border-radius: 50%; background: var(--ink); color: var(--paper); display: grid; place-items: center; font: 700 15px/1 var(--sans); margin-top: 3px; }
.step h3 { margin: 0 0 6px; }
.step p { margin: 0 0 8px; }
.step .do { font-size: 15.5px; color: var(--ink-2); }
.step .do b { color: var(--accent-ink); }
.check { display: flex; gap: 10px; align-items: center; font-size: 14px; color: var(--muted); cursor: pointer; user-select: none; }
.check input { width: 18px; height: 18px; accent-color: var(--accent); margin: 0; }
.data-table { width: 100%; border-collapse: collapse; font-size: 15.5px; margin: 0 0 22px; }
.data-table th, .data-table td { text-align: left; padding: 10px 8px; border-bottom: 1px solid var(--line); vertical-align: top; }
.data-table th { font-size: 13px; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: .6px; }
.data-table td.num { font-weight: 700; white-space: nowrap; }
.sources { border-top: 1px solid var(--line); margin-top: 34px; padding-top: 18px; font-size: 14px; color: var(--muted); }
.sources h2 { font: 700 13px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: var(--muted); margin: 0 0 10px; }
.sources ul { padding-left: 18px; margin: 0 0 14px; }
.aside { position: sticky; top: 20px; display: flex; flex-direction: column; gap: 18px; }
@media (max-width: 1000px) { .aside { position: static; } .aside .toc { display: none; } }
.box { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; }
.box h2 { font: 700 12px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; }
.toc ol { margin: 0; padding-left: 18px; font-size: 14.5px; }
.toc li { margin-bottom: 7px; }
.toc a { color: var(--ink-2); text-decoration: none; }
.toc a:hover { color: var(--accent-ink); text-decoration: underline; }
.box.promo b { display: block; font: 600 18px/1.3 var(--serif); margin-bottom: 6px; }
.box.promo p { margin: 0 0 14px; font-size: 14.5px; color: var(--ink-2); }
.related { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 860px) { .related { grid-template-columns: 1fr; } }
.related a { color: var(--ink); text-decoration: none; display: block; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; }
.related a:hover { border-color: var(--accent); }
.related .kicker { margin-bottom: 8px; }
.related b { font: 600 18px/1.3 var(--serif); display: block; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1.1fr; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; margin: 8px 0 26px; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-in { padding: 26px; border-right: 1px solid var(--line); }
@media (max-width: 860px) { .calc-in { border-right: 0; border-bottom: 1px solid var(--line); padding: 22px; } }
.calc-out { padding: 26px; background: var(--line-2); }
@media (max-width: 860px) { .calc-out { padding: 22px; } }
.field { margin-bottom: 22px; }
.field:last-child { margin-bottom: 0; }
.field label, .field .label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 8px; color: var(--ink); }
.amount-row { display: flex; align-items: center; gap: 14px; }
.amount-row output { font: 700 26px/1 var(--serif); min-width: 100px; }
input[type=range] { width: 100%; accent-color: var(--accent); }
.calc select, .calc input[type=number] { width: 100%; padding: 11px 12px; font: inherit; color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: 8px; }
.seg { display: flex; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; margin-bottom: 8px; background: var(--paper); }
.seg button { flex: 1; padding: 10px 6px; font: 500 14px/1 var(--sans); border: 0; background: transparent; color: var(--ink-2); cursor: pointer; }
.seg button[aria-pressed="true"] { background: var(--ink); color: var(--paper); }
.hint { color: var(--muted); font-size: 13px; margin-top: 6px; }
.big-label { color: var(--ink-2); font-size: 14px; font-weight: 600; }
.big { font: 700 46px/1.05 var(--serif); color: var(--cost); margin: 4px 0 2px; }
.bar { display: flex; height: 12px; border-radius: 6px; overflow: hidden; margin: 18px 0 8px; background: var(--line); }
.bar i { display: block; height: 100%; }
.bar .p { background: var(--accent); }
.bar .c { background: var(--cost); }
.legend { display: flex; gap: 16px; font-size: 13px; color: var(--muted); }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 5px; vertical-align: -1px; }
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 18px; }
.stat { background: var(--surface); border: 1px solid var(--line); border-radius: 8px; padding: 10px 12px; }
.stat b { display: block; font-size: 19px; }
.stat span { color: var(--muted); font-size: 12.5px; line-height: 1.35; display: block; }
.compare tr.cheapest td:first-child b::after { content: "Lowest cost"; margin-left: 8px; font: 700 11px/1 var(--sans); color: var(--accent-ink); background: var(--accent-soft); padding: 3px 7px; border-radius: 99px; white-space: nowrap; vertical-align: 2px; }
.compare .opt-note { display: block; color: var(--muted); font-size: 13px; }
@media (max-width: 560px) { .hide-sm { display: none; } }

/* Legal */
.legal { font-size: 15.5px; line-height: 1.7; }
.legal h1 { font-size: clamp(28px, 4vw, 38px); }
.legal h2 { font-size: 22px; margin: 32px 0 10px; }
.legal h3 { font-size: 17px; margin: 22px 0 6px; }
.legal hr { border: 0; border-top: 1px solid var(--line); margin: 20px 0; }
.legal ul { padding-left: 22px; }
.legal a { overflow-wrap: anywhere; }
.table-scroll { overflow-x: auto; margin: 16px 0; border: 1px solid var(--line); border-radius: 8px; }
.legal table { border-collapse: collapse; font-size: 13px; min-width: 760px; background: var(--surface); }
.legal th, .legal td { border: 1px solid var(--line); padding: 8px; text-align: left; vertical-align: top; }
.legal th { background: var(--line-2); }
.legal td ul { margin: 0; padding-left: 16px; }
.legal { overflow-wrap: anywhere; }
.legal h4 { font-size: 15.5px; margin: 18px 0 6px; }
.legal li { margin-bottom: 6px; }
.legal > div { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 16px 0; border: 1px solid var(--line); border-radius: 8px; }
.legal > div table { margin: -1px; }
.legal th, .legal td { overflow-wrap: normal; }

/* Footer */
.site-footer { background: var(--footer); color: var(--footer-ink); margin-top: 56px; padding: 44px 0 30px; font-size: 14px; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,.12); }
@media (max-width: 860px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }
.foot-grid h2 { font: 700 12px/1 var(--sans); letter-spacing: 1.3px; text-transform: uppercase; color: #8796aa; margin: 4px 0 14px; }
.foot-grid ul { list-style: none; margin: 0; padding: 0; }
.foot-grid li { margin-bottom: 9px; }
.foot-brand { color: #fff; font: 700 20px/1.2 var(--serif); margin-bottom: 8px; display: block; }
.foot-grid p { margin: 0; line-height: 1.6; }
.fineprint { padding-top: 22px; font-size: 12.5px; line-height: 1.65; color: #8e9bad; }
.fineprint p { margin: 0 0 10px; }

@media print {
  .strip, .masthead, .site-footer, .aside, .no-print, .related-wrap { display: none !important; }
  body { background: #fff; color: #000; }
  .article-grid { display: block; }
}