/* ============================================================
   BUDGET & SAVINGS — design system
   Warm, open, optimistic: cream paper canvas, deep evergreen,
   terracotta + honey accents, Fraunces display over Public Sans.
   Photography-first heroes with text ON the image.
   ============================================================ */

@font-face{font-family:"Fraunces";src:url("/static/fonts/fraunces.woff2") format("woff2");
  font-weight:400 900;font-display:swap}
@font-face{font-family:"Public Sans";src:url("/static/fonts/publicsans.woff2") format("woff2");
  font-weight:300 800;font-display:swap}

:root{
  --bg:#faf6ee; --surface:#fffdf7; --chip:#f2ecdd; --line:#e7dfcc;
  --ink:#27221a; --ink-soft:#4d463a; --muted:#7c7362;
  --green:#2e5d4b; --green-deep:#1e3d31; --green-soft:#e3ede5;
  --terra:#c2603a; --terra-soft:#f6e4da; --honey:#d9a441; --honey-soft:#f6ecd4;
  --sage:#7fa892;
  --header:#1e3d31; --header-fg:#f4efe3;
  --radius:16px; --radius-lg:22px;
  --shadow:0 1px 2px rgba(45,35,20,.06),0 8px 28px -18px rgba(45,35,20,.25);
  --shadow-lift:0 2px 4px rgba(45,35,20,.08),0 18px 44px -20px rgba(45,35,20,.35);
  --ff-d:"Fraunces",Georgia,serif; --ff-b:"Public Sans",-apple-system,"Segoe UI",sans-serif;
  --stage-survive:#c2603a; --stage-stabilize:#d9a441; --stage-save:#7fa892;
  --stage-owe:#4c7c68; --stage-build:#2e5d4b; --stage-invest:#1e3d31;
}
[data-theme="dark"]{
  --bg:#171410; --surface:#1f1b15; --chip:#282318; --line:#38321f;
  --ink:#ece5d6; --ink-soft:#cfc6b2; --muted:#a2977f;
  --green:#8fc0a6; --green-deep:#0f231b; --green-soft:#22322a;
  --terra:#e0946e; --terra-soft:#3a281f; --honey:#e0b25e; --honey-soft:#332b18;
  --sage:#7fa892;
  --header:#12241c; --header-fg:#f0ead9;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px -18px rgba(0,0,0,.6);
  --shadow-lift:0 2px 4px rgba(0,0,0,.35),0 18px 44px -20px rgba(0,0,0,.7);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:15.5px/1.6 var(--ff-b);background:var(--bg);color:var(--ink);
  -webkit-font-smoothing:antialiased}
a{color:var(--green);text-decoration:none}
[data-theme="dark"] a{color:var(--green)}
a:hover{text-decoration:underline;text-underline-offset:3px}
img{max-width:100%}
[hidden]{display:none!important}
::selection{background:var(--honey-soft);color:var(--ink)}

h1,h2,h3,.disp{font-family:var(--ff-d);letter-spacing:-.015em;color:var(--ink)}
h1{font-size:clamp(28px,4.6vw,44px);line-height:1.08;font-weight:640;margin:8px 0 10px}
h2{font-size:clamp(21px,2.6vw,27px);line-height:1.2;font-weight:620;margin:34px 0 10px}
h3{font-size:17.5px;font-weight:620;margin:0 0 6px}
p{color:var(--ink-soft)}
.lead{font-size:17.5px;line-height:1.65;color:var(--ink-soft);max-width:760px}
.muted{color:var(--muted)}
.fineprint{color:var(--muted);font-size:12.5px}
.kicker{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--terra);margin:0 0 6px}
.num{font-variant-numeric:tabular-nums}

/* focus */
:focus-visible{outline:2.5px solid var(--honey);outline-offset:2px;border-radius:6px}

/* ---------------- header ---------------- */
.topbar{position:sticky;top:0;z-index:60;background:var(--header);color:var(--header-fg);
  display:flex;align-items:center;gap:14px;padding:0 clamp(12px,2.5vw,28px);height:62px}
.burger{display:none;background:none;border:0;color:var(--header-fg);font-size:22px;
  cursor:pointer;padding:6px 8px;flex:0 0 auto}
.wordmark{display:flex;align-items:center;gap:10px;flex:0 0 auto;min-width:auto;
  color:var(--header-fg);text-decoration:none!important;line-height:1.05}
.wm-mark{width:34px;height:34px;flex:0 0 auto}
.wm-text{font-family:var(--ff-d);font-weight:640;font-size:19px;letter-spacing:-.01em;
  white-space:nowrap}
.wm-text .amp{color:var(--honey);font-weight:500;padding:0 1px}
.wm-sub{display:block;font-family:var(--ff-b);font-size:9.5px;letter-spacing:.12em;
  text-transform:uppercase;color:rgba(244,239,227,.66);font-weight:600;margin-top:2px}
.mainnav{display:flex;align-items:center;gap:2px;margin:0 auto;flex-wrap:nowrap}
.mainnav>a,.mainnav .ddbtn{color:var(--header-fg);padding:8px 11px;border-radius:999px;
  font-size:13.5px;font-weight:600;white-space:nowrap}
.mainnav>a:hover,.mainnav .ddbtn:hover{background:rgba(255,255,255,.1);text-decoration:none}
.dd{position:relative;display:flex}
.ddmenu{display:none;position:absolute;top:calc(100% + 6px);right:0;background:var(--surface);
  border:1px solid var(--line);border-radius:14px;min-width:200px;box-shadow:var(--shadow-lift);
  padding:8px;z-index:70}
.ddmenu.open{display:block}
.ddmenu a{display:block;padding:8px 12px;border-radius:9px;color:var(--ink);font-weight:550;font-size:13.5px}
.ddmenu a:hover{background:var(--chip);text-decoration:none}
.searchwrap{position:relative;flex:0 1 240px;min-width:120px}
.searchwrap input{width:100%;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.24);
  border-radius:999px;color:var(--header-fg);padding:8px 16px;font-size:13.5px;outline:none;
  font-family:var(--ff-b)}
.searchwrap input::placeholder{color:rgba(244,239,227,.55)}
.searchwrap input:focus{border-color:var(--honey)}
.searchresults{display:none;position:absolute;right:0;top:calc(100% + 8px);width:min(360px,88vw);
  background:var(--surface);border:1px solid var(--line);border-radius:14px;
  box-shadow:var(--shadow-lift);overflow:hidden;z-index:75}
.searchresults.open{display:block}
.searchresults a{display:flex;justify-content:space-between;gap:10px;padding:10px 14px;
  color:var(--ink);font-size:13.5px;border-bottom:1px solid var(--line)}
.searchresults a:last-child{border-bottom:0}
.searchresults a:hover{background:var(--chip);text-decoration:none}
.searchresults .k{color:var(--muted);font-size:11.5px;flex:0 0 auto;padding-top:2px}
.savebtn{flex:0 0 auto;position:relative;color:var(--honey);font-size:18px;line-height:1;
  padding:4px 2px;text-decoration:none!important}
.favbadge{position:absolute;top:-5px;right:-10px;background:var(--honey);color:#221a08;
  font-size:9.5px;font-weight:800;border-radius:999px;min-width:15px;height:15px;
  display:inline-flex;align-items:center;justify-content:center;padding:0 3px}
.tb-theme{flex:0 0 auto;width:32px;height:32px;border-radius:50%;background:none;
  border:1px solid rgba(255,255,255,.3);color:var(--header-fg);font-size:15px;line-height:1;
  cursor:pointer;padding:0}
.tb-theme:hover{border-color:var(--honey);color:var(--honey)}
/* language dropdown: details/summary (keyboard-safe; select-onchange is a WCAG trap) */
.langdd{position:relative;flex:0 0 auto}
.langdd summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:5px;
  color:var(--header-fg);border:1px solid rgba(255,255,255,.3);border-radius:999px;
  padding:5px 12px;font-size:12.5px;font-weight:600}
.langdd summary::-webkit-details-marker{display:none}
.langdd[open] summary{border-color:var(--honey)}
.langmenu{position:absolute;right:0;top:calc(100% + 8px);background:var(--surface);
  border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lift);
  display:grid;grid-template-columns:1fr 1fr;gap:2px;padding:8px;width:270px;z-index:80}
.langmenu a{padding:6px 10px;border-radius:8px;color:var(--ink);font-size:13px;font-weight:550}
.langmenu a:hover{background:var(--chip);text-decoration:none}
.langmenu a.cur{background:var(--green-soft);color:var(--green);font-weight:700}

/* utility row */
.utilrow{position:relative;background:var(--surface);border-bottom:1px solid var(--line)}
.utilrow-in{max-width:1200px;margin:0 auto;padding:0 clamp(12px,2.5vw,28px);display:flex;
  gap:2px;overflow-x:auto;scrollbar-width:none}
.utilrow-in::-webkit-scrollbar{display:none}
.utilrow a{padding:9px 12px;font-size:12.5px;font-weight:650;color:var(--muted);
  white-space:nowrap;border-bottom:2.5px solid transparent}
.utilrow a:hover{color:var(--ink);text-decoration:none}
.utilrow a.cur{color:var(--green);border-bottom-color:var(--green)}
.utilrow a.income{color:var(--terra)}
.utilrow::after{content:"";position:absolute;right:0;top:0;bottom:0;width:36px;
  background:linear-gradient(90deg,transparent,var(--surface));pointer-events:none}

/* ---------------- drawer ---------------- */
.offcanvas{position:fixed;top:0;bottom:0;left:0;width:320px;max-width:88vw;background:var(--surface);
  z-index:90;transform:translateX(-100%);transition:transform .24s ease;overflow-y:auto;
  padding:16px;border-right:1px solid var(--line);border-radius:0 var(--radius-lg) var(--radius-lg) 0}
.offcanvas.open{transform:none}
.oc-backdrop{display:none;position:fixed;inset:0;background:rgba(30,25,15,.45);z-index:85}
.oc-backdrop.open{display:block}
.oc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.oc-close{background:none;border:0;font-size:24px;cursor:pointer;color:var(--ink);padding:2px 8px}
.oc-link{display:block;padding:11px 6px;border-bottom:1px solid var(--line);color:var(--ink);
  font-weight:650;font-size:15px}
.oc-link:hover{text-decoration:none;color:var(--green)}
.oc-sub{display:block;padding:8px 6px 8px 18px;color:var(--ink-soft);font-size:13.5px;
  border-bottom:1px solid var(--line)}
.oc-note{margin-top:14px}

/* ---------------- layout ---------------- */
.page{max-width:1200px;margin:0 auto;padding:22px clamp(12px,2.5vw,28px) 30px}
.narrow{max-width:840px}
.crumbs{font-size:12.5px;color:var(--muted);margin:2px 0 4px}
.crumbs a{color:var(--muted)}
.crumbs .sep{padding:0 6px;color:var(--line)}

/* ---------------- hero (text ON the photo) ---------------- */
.hero{position:relative;border-radius:var(--radius-lg);overflow:hidden;margin:6px 0 22px;
  box-shadow:var(--shadow-lift);min-height:300px;display:flex;align-items:flex-end;
  background:var(--green-deep)}
.hero.tall{min-height:420px}
.hero.short{min-height:230px}
.hero img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero .shade{position:absolute;inset:0;
  background:linear-gradient(178deg,rgba(20,24,18,.02) 30%,rgba(18,22,16,.62) 78%,rgba(16,20,14,.78) 100%)}
.hero .hero-in{position:relative;z-index:2;padding:clamp(18px,3.5vw,36px);max-width:820px}
.hero .kicker{color:#f0c980}
.hero h1{color:#fdfbf4;margin:0 0 8px;text-shadow:0 2px 18px rgba(10,14,10,.45)}
.hero p{color:rgba(250,247,238,.92);font-size:clamp(14.5px,1.7vw,17.5px);line-height:1.6;
  margin:0 0 14px;max-width:640px;text-shadow:0 1px 12px rgba(10,14,10,.5)}
.hero-actions{display:flex;flex-wrap:wrap;gap:10px}

/* ---------------- buttons & chips ---------------- */
.btn{display:inline-flex;align-items:center;gap:7px;border-radius:999px;padding:10px 20px;
  font-size:14px;font-weight:700;font-family:var(--ff-b);cursor:pointer;border:1.5px solid transparent;
  transition:transform .12s ease,box-shadow .12s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px);box-shadow:var(--shadow)}
.btn:active{transform:none}
.btn-primary{background:var(--green);color:#f7f4ea;border-color:var(--green)}
.btn-primary:hover{background:var(--green-deep);border-color:var(--green-deep)}
[data-theme="dark"] .btn-primary{color:#0f231b}
[data-theme="dark"] .btn-primary:hover{background:#a5d2ba;border-color:#a5d2ba}
.btn-terra{background:var(--terra);color:#fdf6ef;border-color:var(--terra)}
.btn-terra:hover{background:#a84e2c;border-color:#a84e2c}
[data-theme="dark"] .btn-terra{color:#2a160c}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--green);color:var(--green)}
.hero .btn-ghost{color:#fdfbf4;border-color:rgba(253,251,244,.55)}
.hero .btn-ghost:hover{border-color:#fdfbf4;color:#fdfbf4;background:rgba(253,251,244,.12)}
.btn-sm{padding:7px 14px;font-size:13px}
.chip{display:inline-block;background:var(--chip);border-radius:999px;padding:4px 12px;
  font-size:12.5px;font-weight:600;color:var(--ink-soft)}
a.chip:hover{background:var(--green-soft);color:var(--green);text-decoration:none}
.badge-official{display:inline-flex;align-items:center;gap:4px;background:var(--green-soft);
  color:var(--green);font-size:10.5px;font-weight:800;letter-spacing:.05em;
  text-transform:uppercase;border-radius:999px;padding:3px 9px}
[data-theme="dark"] .badge-official{color:#a5d2ba}
.badge-soft{background:var(--honey-soft);color:#8a6414;font-size:10.5px;font-weight:800;
  letter-spacing:.05em;text-transform:uppercase;border-radius:999px;padding:3px 9px}
[data-theme="dark"] .badge-soft{color:var(--honey)}

/* ---------------- journey ribbon ---------------- */
.journey{display:flex;gap:0;align-items:stretch;margin:20px 0 8px;overflow-x:auto;
  padding:4px 2px 10px;scrollbar-width:none}
.journey::-webkit-scrollbar{display:none}
.j-node{flex:1 1 0;min-width:128px;position:relative;text-align:center;padding:12px 8px 4px;
  color:inherit}
.j-node:hover{text-decoration:none}
.j-node::before{content:"";position:absolute;top:23px;left:0;right:0;height:2.5px;
  background:var(--line)}
.j-node:first-child::before{left:50%}
.j-node:last-child::before{right:50%}
.j-dot{position:relative;z-index:1;width:22px;height:22px;border-radius:50%;margin:0 auto 8px;
  border:2.5px solid var(--bg);box-shadow:0 0 0 2.5px var(--jc,var(--sage));background:var(--jc,var(--sage))}
.j-node b{display:block;font-family:var(--ff-d);font-size:14.5px;color:var(--ink);font-weight:640}
.j-node span{display:block;font-size:11.5px;color:var(--muted);line-height:1.45;margin-top:3px}
.j-node:hover b{color:var(--jc,var(--green))}

/* ---------------- cards ---------------- */
.grid{display:grid;gap:14px}
.g2{grid-template-columns:1fr 1fr}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:18px 20px;box-shadow:var(--shadow);transition:transform .14s ease,box-shadow .14s ease,
  border-color .14s ease}
a.card{display:block;color:inherit}
a.card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow-lift);
  border-color:var(--sage)}
.card h3 a{color:inherit}
.card p{margin:4px 0 0;font-size:13.5px;line-height:1.55;color:var(--muted)}
.card .go{display:inline-block;margin-top:10px;font-size:13px;font-weight:700;color:var(--green)}
.card-img{margin:-18px -20px 12px;border-radius:var(--radius) var(--radius) 0 0;overflow:hidden;
  aspect-ratio:3/2;background:var(--chip)}
.card-img img{width:100%;height:100%;object-fit:cover;display:block}
.icon-dot{width:38px;height:38px;border-radius:12px;background:var(--green-soft);color:var(--green);
  display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.icon-dot svg{width:20px;height:20px}
.card.terra .icon-dot{background:var(--terra-soft);color:var(--terra)}
.card.honey .icon-dot{background:var(--honey-soft);color:#8a6414}
[data-theme="dark"] .card.honey .icon-dot{color:var(--honey)}

/* tip list */
.tips{display:grid;gap:10px;counter-reset:tip}
.tips.g2cols{grid-template-columns:1fr 1fr}
.tip{position:relative;background:var(--surface);border:1px solid var(--line);
  border-radius:14px;padding:14px 16px 14px 52px;counter-increment:tip}
.tip::before{content:counter(tip,decimal-leading-zero);position:absolute;left:16px;top:15px;
  font-family:var(--ff-d);font-weight:640;font-size:14px;color:var(--sage)}
.tip b{display:block;font-size:14.5px;margin-bottom:2px}
.tip p{margin:0;font-size:13.5px;color:var(--muted);line-height:1.55}
.tip a.more{font-size:12.5px;font-weight:700}

/* observation / callout boxes */
.obs{display:flex;gap:12px;background:var(--green-soft);border:1px solid transparent;
  border-radius:14px;padding:13px 16px;margin:10px 0;font-size:14px;line-height:1.6;
  color:var(--ink-soft)}
.obs svg{flex:0 0 20px;width:20px;height:20px;color:var(--green);margin-top:2px}
.obs.warn{background:var(--terra-soft)}
.obs.warn svg{color:var(--terra)}
.obs.honey{background:var(--honey-soft)}
.obs.honey svg{color:#8a6414}
[data-theme="dark"] .obs.honey svg{color:var(--honey)}
.note-box{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--green);
  border-radius:12px;padding:13px 16px;margin:14px 0;color:var(--ink-soft);font-size:14px}

/* next actions strip */
.nextrow{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 6px}
.next-label{width:100%;font-size:12px;font-weight:800;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted)}

/* ---------------- article ---------------- */
.article{max-width:800px}
.art-meta{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;color:var(--muted);
  font-size:12.5px;margin:8px 0 18px}
.quick{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--honey);
  border-radius:14px;padding:16px 20px;margin:16px 0;font-size:16px;line-height:1.65}
.quick .ql{font-size:11.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;
  color:#8a6414;display:block;margin-bottom:6px}
[data-theme="dark"] .quick .ql{color:var(--honey)}
.step{display:flex;gap:16px;margin:16px 0}
.step-n{flex:0 0 34px;height:34px;border-radius:50%;background:var(--green);color:#f7f4ea;
  font-family:var(--ff-d);font-weight:640;display:flex;align-items:center;justify-content:center;
  font-size:15px}
[data-theme="dark"] .step-n{color:#0f231b}
.step h3{margin:5px 0 4px}
.step p{margin:0;font-size:14.5px}
.ex-table{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:6px 18px 10px;margin:14px 0}
.ex-table h3{margin:12px 0 4px}
.ex-row{display:flex;justify-content:space-between;gap:16px;padding:9px 0;
  border-bottom:1px solid var(--line);font-size:14px}
.ex-row:last-child{border-bottom:0}
.ex-row span:last-child{font-weight:700;text-align:right;color:var(--ink)}
.mistakes li,.checklist li{margin:7px 0;font-size:14.5px;color:var(--ink-soft)}
.src-list{font-size:13px;color:var(--muted)}
.src-list a{font-weight:600}

/* ---------------- tools ---------------- */
.tool-wrap{display:grid;grid-template-columns:minmax(300px,420px) 1fr;gap:22px;align-items:start}
.tool-form{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:20px;box-shadow:var(--shadow);position:sticky;top:78px}
.tf-field{margin-bottom:12px}
.tf-field label{display:block;font-size:12px;font-weight:700;color:var(--muted);margin-bottom:4px}
.tf-field input,.tf-field select{width:100%;border:1.5px solid var(--line);border-radius:12px;
  padding:10px 13px;font-size:15px;background:var(--bg);color:var(--ink);font-family:var(--ff-b)}
.tf-field input:focus{border-color:var(--green);outline:none}
.tf-help{font-size:11.5px;color:var(--muted);margin-top:3px}
.tf-rows .rowline{display:grid;grid-template-columns:1.4fr 1fr .8fr .9fr;gap:6px;margin-bottom:6px}
.tf-rows.subs .rowline{grid-template-columns:1.6fr .9fr}
.tf-rows input{border:1.5px solid var(--line);border-radius:10px;padding:8px 10px;font-size:13.5px;
  background:var(--bg);color:var(--ink);width:100%}
.tf-rowhead{display:grid;grid-template-columns:1.4fr 1fr .8fr .9fr;gap:6px;font-size:10.5px;
  font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:4px 0}
.tf-rows.subs .tf-rowhead{grid-template-columns:1.6fr .9fr}
.tool-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.tool-out h2{margin-top:0}
.res-list{display:grid;gap:10px;margin:0 0 6px}
.res-row{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:14px 18px;display:flex;justify-content:space-between;gap:18px;align-items:baseline;
  flex-wrap:wrap}
.res-row .rl{font-size:13.5px;font-weight:650;color:var(--ink-soft);flex:1 1 220px}
.res-row .rv{font-family:var(--ff-d);font-size:clamp(19px,2.4vw,26px);font-weight:640;
  color:var(--green);white-space:nowrap}
[data-theme="dark"] .res-row .rv{color:var(--green)}
.res-row .rs{width:100%;font-size:12.5px;color:var(--muted)}
.mode-tag{font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  color:var(--muted);background:var(--chip);border-radius:999px;padding:4px 12px;
  display:inline-block;margin-bottom:10px}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:14px;
  background:var(--surface);margin:12px 0}
table.data{width:100%;border-collapse:collapse;font-size:13.5px;min-width:420px}
table.data th{text-align:left;background:var(--chip);padding:9px 14px;font-size:11.5px;
  letter-spacing:.05em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
table.data td{padding:9px 14px;border-top:1px solid var(--line);color:var(--ink-soft)}
table.data td:not(:first-child),table.data th:not(:first-child){text-align:right;
  font-variant-numeric:tabular-nums}
.chart-box{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:14px;margin:12px 0}
.chart-box svg{width:100%;height:auto;display:block}
.chart-leg{display:flex;gap:16px;font-size:12px;color:var(--muted);margin-top:8px}
.chart-leg i{display:inline-block;width:14px;height:8px;border-radius:3px;margin-right:5px;
  vertical-align:1px}

/* ---------------- find500 ---------------- */
.f5-list{display:grid;gap:10px;margin:16px 0}
.f5-item{display:flex;align-items:center;gap:14px;background:var(--surface);
  border:1.5px solid var(--line);border-radius:14px;padding:13px 16px;cursor:pointer;
  transition:border-color .12s ease,background .12s ease}
.f5-item.on{border-color:var(--green);background:var(--green-soft)}
.f5-check{flex:0 0 26px;height:26px;border-radius:9px;border:2px solid var(--line);
  display:flex;align-items:center;justify-content:center;color:transparent;background:var(--bg)}
.f5-item.on .f5-check{background:var(--green);border-color:var(--green);color:#f7f4ea}
[data-theme="dark"] .f5-item.on .f5-check{color:#0f231b}
.f5-body{flex:1;min-width:0}
.f5-body b{display:block;font-size:14.5px}
.f5-body span{font-size:12.5px;color:var(--muted)}
.f5-amt{flex:0 0 auto;display:flex;align-items:center;gap:2px;font-weight:700;color:var(--green);
  font-size:15px}
.f5-amt input{width:64px;border:1.5px solid var(--line);border-radius:9px;padding:5px 7px;
  font-size:14px;font-weight:700;color:var(--green);background:var(--bg);text-align:right}
.f5-total{position:sticky;bottom:14px;z-index:30;background:var(--green-deep);color:#f4efe3;
  border-radius:var(--radius-lg);padding:16px 22px;display:flex;gap:22px;flex-wrap:wrap;
  align-items:baseline;box-shadow:var(--shadow-lift);margin-top:18px}
.f5-total b{font-family:var(--ff-d);font-size:26px;font-weight:640;color:#fff}
.f5-total .sub{font-size:13px;color:rgba(244,239,227,.85)}
.f5-total .yr{font-size:15px;color:var(--honey);font-weight:700}

/* ---------------- roadmap ---------------- */
.road{position:relative;margin:20px 0;padding-left:8px}
.road-step{position:relative;display:flex;gap:18px;padding:0 0 26px 0}
.road-step::before{content:"";position:absolute;left:19px;top:42px;bottom:0;width:2.5px;
  background:var(--line)}
.road-step:last-child::before{display:none}
.road-n{flex:0 0 40px;height:40px;border-radius:50%;background:var(--surface);
  border:2.5px solid var(--green);color:var(--green);font-family:var(--ff-d);font-weight:640;
  display:flex;align-items:center;justify-content:center;font-size:16px;position:relative;z-index:1}
.road-body{flex:1;background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:14px 18px}
.road-body h3{margin:0}
.road-body .short{color:var(--muted);font-size:13px;margin:2px 0 0}
.road-body details{margin-top:8px}
.road-body summary{cursor:pointer;font-size:13px;font-weight:700;color:var(--green)}
.road-body details p{font-size:14px;margin:8px 0}

/* ---------------- programs / resources ---------------- */
.prog{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:15px 18px;display:flex;flex-direction:column;gap:6px}
.prog-top{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}
.prog h3{margin:0;font-size:15.5px}
.prog .what{font-size:13.5px;color:var(--ink-soft);margin:0;line-height:1.55}
.prog .who{font-size:12.5px;color:var(--muted);margin:0}
.prog-foot{display:flex;justify-content:space-between;gap:10px;align-items:center;
  margin-top:4px;flex-wrap:wrap}
.reviewed{font-size:11px;color:var(--muted)}
.filterbar{display:flex;gap:10px;flex-wrap:wrap;align-items:center;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;margin:14px 0}
.filterbar input{flex:1 1 220px;border:1.5px solid var(--line);border-radius:999px;
  padding:9px 16px;font-size:14px;background:var(--bg);color:var(--ink)}
.filterbar .chips{display:flex;gap:6px;flex-wrap:wrap}
.fchip{cursor:pointer;border:1.5px solid var(--line);background:var(--bg);border-radius:999px;
  padding:5px 12px;font-size:12.5px;font-weight:650;color:var(--ink-soft)}
.fchip.on{background:var(--green);border-color:var(--green);color:#f7f4ea}
[data-theme="dark"] .fchip.on{color:#0f231b}

/* ---------------- news ---------------- */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.news-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:16px 18px;display:flex;flex-direction:column;gap:8px;color:inherit}
a.news-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow-lift);
  border-color:var(--sage);transition:all .14s ease}
.news-card b{font-size:14.5px;line-height:1.4;color:var(--ink)}
.news-card p{margin:0;font-size:12.5px;color:var(--muted);line-height:1.5}
.srcline{display:flex;align-items:center;gap:8px;font-size:11.5px;color:var(--muted);
  margin-top:auto;padding-top:6px}
.ext-ico{width:12px;height:12px;flex:0 0 auto}

/* ---------------- learn ---------------- */
.level-head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin:26px 0 10px}
.level-head h2{margin:0}
.lesson-num{font-family:var(--ff-d);color:var(--sage);font-weight:640;font-size:14px}
.lesson-body p{font-size:15.5px;line-height:1.7}
.terms{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  padding:14px 18px;margin:16px 0}
.terms dt{font-weight:700;font-size:14px;margin-top:8px}
.terms dd{margin:2px 0 0;font-size:13.5px;color:var(--muted)}

/* ---------------- faq ---------------- */
.faq-group{margin:22px 0}
.faq-q{background:var(--surface);border:1px solid var(--line);border-radius:14px;
  margin:8px 0;overflow:hidden}
.faq-q summary{list-style:none;cursor:pointer;padding:14px 18px;font-weight:650;font-size:15px;
  display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq-q summary::-webkit-details-marker{display:none}
.faq-q summary::after{content:"+";font-family:var(--ff-d);font-size:20px;color:var(--sage);
  flex:0 0 auto}
.faq-q[open] summary::after{content:"−"}
.faq-q p{margin:0;padding:0 18px 15px;font-size:14.5px;color:var(--ink-soft)}

/* ---------------- agents / ask ---------------- */
.agent{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:18px 20px;margin:14px 0}
.agent-fields{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:10px 0}
.agent-fields label{display:block;font-size:11.5px;font-weight:700;color:var(--muted);margin-bottom:3px}
.agent-fields input,.agent-fields textarea{width:100%;border:1.5px solid var(--line);
  border-radius:10px;padding:8px 11px;font-size:13.5px;background:var(--bg);color:var(--ink);
  font-family:var(--ff-b)}
.prompt-text{white-space:pre-wrap;background:var(--chip);border-radius:12px;padding:13px 15px;
  font-size:12.5px;line-height:1.55;color:var(--ink-soft);margin:10px 0;max-height:190px;
  overflow-y:auto}
.ask-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:20px;max-width:840px;box-shadow:var(--shadow)}
#askForm{display:flex;gap:10px}
#askInput{flex:1;border:1.5px solid var(--line);border-radius:999px;padding:12px 20px;
  font-size:15px;background:var(--bg);color:var(--ink);font-family:var(--ff-b)}
#askInput:focus{border-color:var(--green);outline:none}
.ask-out{margin-top:16px;border-top:1px solid var(--line);padding-top:14px}
.ask-out p{font-size:15px;line-height:1.65}
.ask-links{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}

/* ---------------- money plan ---------------- */
.mp-form{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.mp-q{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.mp-q label{display:block;font-size:13px;font-weight:700;margin-bottom:8px}
.mp-q input{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:9px 12px;
  font-size:14.5px;background:var(--bg);color:var(--ink)}
.mp-q .opts{display:flex;flex-direction:column;gap:6px}
.mp-q .opts label{display:flex;align-items:center;gap:8px;font-weight:500;font-size:13.5px;
  margin:0;cursor:pointer;color:var(--ink-soft)}
.mp-q input[type="radio"]{width:auto;accent-color:var(--green)}
.plan-out{background:var(--surface);border:1.5px solid var(--green);border-radius:var(--radius-lg);
  padding:22px;margin:20px 0;box-shadow:var(--shadow-lift)}
.plan-move{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid var(--line)}
.plan-move:last-child{border-bottom:0}
.plan-move .step-n{flex:0 0 30px;height:30px;font-size:13.5px}
.plan-move b{display:block;font-size:15px}
.plan-move p{margin:2px 0 4px;font-size:13.5px;color:var(--muted)}

/* ---------------- home specifics ---------------- */
.ineed{display:flex;flex-wrap:wrap;gap:9px;margin:14px 0 6px}
.ineed a{background:var(--surface);border:1.5px solid var(--line);border-radius:999px;
  padding:9px 17px;font-size:13.5px;font-weight:650;color:var(--ink);transition:all .12s ease}
.ineed a:hover{border-color:var(--green);color:var(--green);text-decoration:none;
  transform:translateY(-1px)}
.stage-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin:16px 0}
.stage-card{position:relative;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--radius);padding:16px;color:inherit;overflow:hidden;
  transition:transform .14s ease,box-shadow .14s ease,border-color .14s ease}
.stage-card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;
  background:var(--jc,var(--sage))}
.stage-card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:var(--shadow-lift);
  border-color:var(--jc,var(--sage))}
.stage-card b{display:block;font-family:var(--ff-d);font-size:15.5px;font-weight:640;
  margin-bottom:5px;line-height:1.3}
.stage-card p{margin:0;font-size:12.5px;color:var(--muted);line-height:1.5}
.stage-card .go{margin-top:9px;display:inline-block;font-size:12.5px;font-weight:700;
  color:var(--jc,var(--green))}
.minitools{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:14px 0}
.minitool{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:16px 18px}
.minitool h3{font-size:15px}
.minitool .mrow{display:flex;gap:6px;margin:9px 0;align-items:center;flex-wrap:wrap}
.minitool input{width:90px;border:1.5px solid var(--line);border-radius:9px;padding:7px 9px;
  font-size:13.5px;background:var(--bg);color:var(--ink)}
.minitool .mout{font-family:var(--ff-d);font-size:19px;font-weight:640;color:var(--green);
  margin-top:6px;min-height:26px}
.minitool .msub{font-size:11.5px;color:var(--muted)}
.trust{display:flex;gap:22px;flex-wrap:wrap;background:var(--surface);border:1px solid var(--line);
  border-radius:999px;padding:12px 26px;margin:20px 0;justify-content:center}
.trust b{font-family:var(--ff-d);font-size:19px;font-weight:640;color:var(--green);
  margin-right:6px}
.trust span{font-size:13px;color:var(--muted)}
.photo-band{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:20px 0}
.photo-band figure{margin:0;border-radius:var(--radius);overflow:hidden;aspect-ratio:3/2;
  box-shadow:var(--shadow)}
.photo-band img{width:100%;height:100%;object-fit:cover;display:block;
  transition:transform .5s ease}
.photo-band figure:hover img{transform:scale(1.04)}

/* ---------------- footer ---------------- */
.footer{background:var(--header);color:#cfc9b8;margin-top:44px;border-radius:28px 28px 0 0;
  padding:36px clamp(16px,3vw,40px) 22px}
.f-grid{max-width:1200px;margin:0 auto;display:grid;
  grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:22px}
.f-col b{display:block;color:#f4efe3;margin-bottom:9px;font-family:var(--ff-d);font-weight:620;
  font-size:14.5px}
.f-col a{display:block;color:#cfc9b8;padding:3px 0;font-size:13px}
.f-col a:hover{color:var(--honey)}
.f-family{max-width:1200px;margin:18px auto 0;font-size:12.5px;padding:14px 0;
  border-top:1px solid rgba(244,239,227,.14);color:#b8b19d}
.f-family a{font-weight:700;color:#e6dfc9}
.f-family a:hover{color:var(--honey)}
.f-sub{max-width:1200px;margin:0 auto;display:flex;gap:10px;align-items:center;
  flex-wrap:wrap;padding:8px 0}
.f-sub input{border:1px solid rgba(244,239,227,.35);background:transparent;color:#f4efe3;
  border-radius:999px;padding:9px 16px;font-size:13px;min-width:230px;font-family:var(--ff-b)}
.f-sub input::placeholder{color:#a49d87}
.f-legal{max-width:1200px;margin:10px auto 0;color:#a49d87;font-size:11.8px;
  border-top:1px solid rgba(244,239,227,.14);padding-top:14px}
.f-legal p{margin:0 0 8px;line-height:1.55;color:#a49d87}
.f-legal a{color:#cfc9b8;text-decoration:underline}

/* legal pages */
.legalpage{max-width:840px}
.legalpage p,.legalpage li{font-size:14px;line-height:1.7;color:var(--ink-soft)}
.legalpage h2{font-size:19px}

/* contact */
.contact-form{display:flex;flex-direction:column;gap:12px;max-width:560px}
.contact-form label{display:flex;flex-direction:column;gap:5px;font-size:12.5px;font-weight:700;
  color:var(--muted)}
.contact-form input,.contact-form textarea{border:1.5px solid var(--line);border-radius:12px;
  padding:11px 14px;font-size:14.5px;background:var(--surface);color:var(--ink);
  font-family:var(--ff-b)}
.hp{position:absolute;left:-9999px;height:0;width:0;opacity:0}

/* reveal animation — JS-gated: without JS everything stays visible */
html.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}
html.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}

/* ---------------- responsive ---------------- */
@media (max-width:1120px){
  .mainnav>a,.mainnav .ddbtn{padding:8px 8px;font-size:12.8px}
  .searchwrap{flex-basis:170px}
  .wm-sub{display:none}
}
@media (max-width:1000px){
  .mainnav{display:none}
  .burger{display:block}
  .stage-grid{grid-template-columns:repeat(2,1fr)}
  .stage-grid .stage-card:last-child{grid-column:1/-1}
  .minitools{grid-template-columns:1fr 1fr}
  .news-grid{grid-template-columns:1fr 1fr}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .tool-wrap{grid-template-columns:1fr}
  .tool-form{position:static}
  .photo-band{grid-template-columns:1fr 1fr}
  .tips.g2cols{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:15px}
  .topbar{height:56px;gap:8px}
  .wm-mark{width:28px;height:28px}
  .wm-text{font-size:16.5px}
  .searchwrap{flex:1 1 auto;min-width:0}
  .langdd summary .lname{display:none}
  .g2,.g3,.g4,.news-grid,.minitools,.stage-grid,.mp-form,.agent-fields{grid-template-columns:1fr}
  .stage-grid .stage-card:last-child{grid-column:auto}
  .hero{min-height:250px}
  .hero.tall{min-height:340px}
  .photo-band{grid-template-columns:1fr 1fr}
  .f5-total{position:static}
  .page{padding-bottom:60px}
}

/* print (budget builder + plans) */
@media print{
  .topbar,.utilrow,.footer,.tool-actions,.hero,.searchwrap,.nextrow,.crumbs,
  .offcanvas,.oc-backdrop,.btn{display:none!important}
  body{background:#fff;color:#000;font-size:12px}
  .res-row,.table-scroll,.plan-out{border-color:#999;box-shadow:none;break-inside:avoid}
  .page{max-width:none;padding:0}
  a{color:#000;text-decoration:none}
}

/* ultra-narrow top bar: burger must NEVER clip (family lesson) */
@media (max-width:480px){
  .topbar{gap:6px;padding:0 8px}
  .burger{font-size:20px;padding:4px 4px}
  .wm-mark{width:24px;height:24px}
  .wm-text{font-size:15px}
  .searchwrap input{padding:7px 11px;font-size:12.5px}
  .langdd summary{padding:4px 8px}
  .tb-theme{width:28px;height:28px;font-size:13px}
  .savebtn{font-size:16px}
}

/* ================= round 2: interior imagery, avenues, calculator demo UX ================= */

/* avenue chips: real places to start */
.av-row{display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin-top:9px}
.av-label{font-size:11px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;
  color:var(--terra);margin-right:2px}
.av-chip{display:inline-flex;align-items:center;gap:5px;background:var(--surface);
  border:1.5px solid var(--line);border-radius:999px;padding:4px 11px;font-size:12px;
  font-weight:700;color:var(--green);transition:border-color .12s ease,transform .12s ease}
.av-chip:hover{border-color:var(--green);text-decoration:none;transform:translateY(-1px)}
.av-chip .ext-ico{width:10px;height:10px;opacity:.7}
.av-note{margin-top:12px;max-width:760px}

/* topic layout: article + photo rail */
.topic-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:26px;align-items:start}
.side-rail{position:sticky;top:78px;display:flex;flex-direction:column;gap:14px}
.side-fig{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lift)}
.side-fig img{display:block;width:100%;height:auto}
.rail-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:14px 16px;display:flex;flex-direction:column;gap:8px;align-items:flex-start}
.rail-card b{font-family:var(--ff-d);font-size:14.5px;font-weight:640}
.rail-card .chip{align-self:flex-start}

/* article + lesson figures */
.art-fig{margin:18px 0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.art-fig img{display:block;width:100%;height:auto}
.art-fig.wide img{aspect-ratio:3/2;object-fit:cover}
.lesson-banner{margin:16px 0 20px;border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow)}
.lesson-banner img{display:block;width:100%;aspect-ratio:5/2;object-fit:cover}

/* hub photo bands (two-up) */
.photo-band.two{grid-template-columns:1fr 1fr;margin:26px 0}
.photo-band.two figure{aspect-ratio:5/2}

/* news thumbnails */
.news-card .nc-img{display:block;margin:-16px -18px 4px;border-radius:var(--radius) var(--radius) 0 0;
  overflow:hidden;aspect-ratio:16/9;background:var(--chip)}
.news-card .nc-img img{width:100%;height:100%;object-fit:cover;display:block;
  transition:transform .4s ease}
a.news-card:hover .nc-img img{transform:scale(1.04)}

/* calculator demo banner + big clear */
.demo-banner{display:flex;gap:16px;align-items:center;flex-wrap:wrap;background:var(--honey-soft);
  border:1.5px solid var(--honey);border-radius:var(--radius);padding:15px 18px;margin:0 0 14px}
.demo-banner .db-text{flex:1 1 300px;font-size:14px;line-height:1.55;color:var(--ink-soft)}
.demo-banner .db-text b{display:block;font-family:var(--ff-d);font-size:16.5px;color:var(--ink);
  margin-bottom:3px}
.btn-clear{background:var(--surface);color:var(--terra);border:2px solid var(--terra);
  font-size:14.5px;padding:11px 22px;font-weight:800}
.btn-clear:hover{background:var(--terra);color:#fdf6ef}
[data-theme="dark"] .btn-clear:hover{color:#2a160c}
.tool-empty{background:var(--surface);border:1.5px dashed var(--line);border-radius:var(--radius-lg);
  padding:34px 26px;text-align:center}
.tool-empty b{display:block;font-family:var(--ff-d);font-size:19px;margin-bottom:6px}
.tool-empty p{color:var(--muted);font-size:14px;margin:0 0 14px}

@media (max-width:1000px){
  .topic-layout{grid-template-columns:1fr}
  .side-rail{position:static;flex-direction:row;flex-wrap:wrap}
  .side-rail>*{flex:1 1 260px}
  .photo-band.two{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .photo-band.two{grid-template-columns:1fr}
  .photo-band.two figure{aspect-ratio:2/1}
  .demo-banner .btn-clear{width:100%}
}

/* ================= round 3: icon dots, photo cards, news fallback ================= */
.icon-dot.id-green{background:var(--green-soft);color:var(--green)}
.icon-dot.id-terra{background:var(--terra-soft);color:var(--terra)}
.icon-dot.id-honey{background:var(--honey-soft);color:#8a6414}
[data-theme="dark"] .icon-dot.id-honey{color:var(--honey)}
.res-head{display:flex;gap:12px;align-items:flex-start;min-width:0}
.res-head .icon-dot{margin-bottom:0;flex:0 0 38px}
.res-head h3{min-width:0}
.card-iconrow{display:flex;gap:10px;align-items:center;margin-bottom:6px}
.card-iconrow .icon-dot{margin-bottom:0;width:32px;height:32px;border-radius:10px;flex:0 0 32px}
.card-iconrow .icon-dot svg{width:17px;height:17px}
.card-iconrow h3{margin:0}

/* photo cards */
a.card.has-img .kicker{margin-top:0}
.card-img + .kicker, .card-img + h3{margin-top:0}

/* news image fallback: branded panel with the source initial */
.nc-fb{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;
  width:100%;height:100%;
  background:linear-gradient(135deg,var(--green-soft),var(--honey-soft) 60%,var(--terra-soft));
  color:var(--green)}
.nc-fb i{font-style:normal;font-family:var(--ff-d);font-weight:640;font-size:44px;line-height:1;
  opacity:.85}
.nc-fb em{font-style:normal;font-size:10.5px;font-weight:800;letter-spacing:.1em;
  text-transform:uppercase;color:var(--muted)}
.nc-img{position:relative}
.nc-img img{position:relative;z-index:1}
.nc-fb.standby{position:absolute;inset:0;z-index:0}