/* KINDA INVESTED / independent editorial direction: paper, ink, coral, ochre.
   Deliberately avoids glass panels, gradients and pill-shaped fintech cards. */
:root{--ink:#25352a;--muted:#5d6558;--deep:#293e30;--deep2:#1d3026;--cream:#f5eddb;--paper:#fff9eb;--mint:#dce4c7;--green:#b7caaa;--peach:#f5be94;--lavender:#e6daca;--orange:#ed7654;--line:#d1c9b5;--round:0;--shadow:4px 4px 0 #324236;--w:1150px}
html{scroll-behavior:smooth}body{background:#f5eddb;color:#283b30;font-family:'Trebuchet MS',Arial,sans-serif;line-height:1.58}
h1,h2,h3,h4{font-family:Georgia,'Times New Roman',serif;letter-spacing:-.05em;line-height:1.13}
p{color:#536053}a:hover{color:#ad4a32}
.site-header{background:#f9f2e3;border-bottom:2px solid #2c392c;box-shadow:none}
.header-inner{height:79px}.brand{gap:12px;color:#23372b;letter-spacing:-.055em;font-family:Georgia,serif;font-size:1.3rem}
.brand-mark{border-radius:2px!important;background:transparent!important;box-shadow:none!important;transform:rotate(-5deg);width:43px;height:43px}
.brand-mark img{height:42px;width:42px}
.brand-word{white-space:nowrap}.brand-word>span{color:#bd4e33}.brand small{letter-spacing:.105em;color:#676b59;font:700 .53rem 'Trebuchet MS',Arial,sans-serif;margin-top:6px}
.main-nav{gap:26px}.main-nav a{font-size:.83rem;letter-spacing:.015em;color:#314738}
.main-nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:#c65334;text-decoration-thickness:3px;text-underline-offset:9px;color:#29382a}
.button{border-radius:2px;font-weight:800;box-shadow:none;transition:transform .16s;background-clip:padding-box}
.button:hover{transform:translate(-2px,-2px)}
.button-dark{background:#26392f}.button-dark:hover{background:#b84e32;color:white}
.button-primary{background:#ec845b;color:#23372b;border:2px solid #293a2d;box-shadow:4px 4px 0 #293a2d}
.button-primary:hover{color:#263b30;background:#f6a76e;box-shadow:6px 6px 0 #293a2d}
.button-light{background:#fdf3dc;color:#2b4032;border:2px solid #273b30}
.button-light:hover{background:#fff9ed;color:#2b4032}
.eyebrow{color:#a34d33;letter-spacing:.15em;font-weight:850}
.eyebrow:before{border-radius:0;background:#c35a37}
.hero{background:#e9c97f;border-bottom:3px solid #253a2e;padding:78px 0 92px;color:#28392d}
.hero:before,.hero:after{display:none}.hero-grid{grid-template-columns:1fr .91fr;gap:59px}
.hero .eyebrow{color:#93462f}.hero h1{font:700 clamp(3.15rem,6.1vw,6.25rem)/.99 Georgia,serif;letter-spacing:-.073em;color:#263729;margin:26px 0}
.hero h1 em{color:#af452d;font-weight:400;font-style:italic}.hero p{font-size:1.11rem;color:#404a3e;line-height:1.73;max-width:490px}
.hero-issue{border-bottom:2px solid #30402f;padding-bottom:12px;margin-bottom:27px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap;font-size:.68rem;letter-spacing:.15em;font-weight:900;color:#394a34}
.hero-issue span{font-weight:600}.hero-note{color:#505840;font-weight:700;font-size:.75rem;margin-top:28px}
.hero-feature{position:relative;max-width:550px;justify-self:end}.feature-caption,.feature-bottom{display:flex;justify-content:space-between;font-size:.63rem;letter-spacing:.15em;font-weight:850;color:#283b30}
.feature-caption{margin-bottom:12px}.feature-caption span{font-size:1.3rem}.feature-bottom{padding-top:18px;gap:6px}
.hero-cover-frame{border:3px solid #2b392e;background:#f5dda3;box-shadow:12px 12px 0 #b85038;transform:rotate(-2deg)}
.hero-cover-frame img{width:100%;height:auto;display:block;object-fit:cover}
.hero-sticker{position:absolute;background:#f6d581;color:#25392d;border:2px solid #26392d;font:900 .79rem/1.2 'Trebuchet MS',sans-serif;padding:12px;transform:rotate(8deg);z-index:2;right:-14px;top:65px}
.hero-sticker.two{background:#dce6b8;top:auto;bottom:57px;left:-26px;right:auto;transform:rotate(-9deg)}
.trust-line{border-bottom:2px solid #2f4135;display:flex;gap:20px;justify-content:space-between;flex-wrap:wrap;padding:20px 0;color:#46594a;font-size:.76rem;font-weight:800}
.trust-line span{display:inline-flex;gap:7px;align-items:center}.trust-line svg{width:16px;height:16px;color:#b65338}
.section{padding:76px 0}.section-tight{padding:68px 0}.section-tight[style]{background:#e8e1cc!important;border-block:2px solid #354435}
.section-head{border-bottom:2px solid #2d4133;padding-bottom:19px;margin-bottom:25px}.section-head h2{font-size:clamp(2.2rem,3.9vw,3.9rem);margin:8px 0}.section-head p{color:#5a665a}
.text-link{color:#a3462c;font-weight:850}.text-link:hover{color:#74331c}
.content-grid{gap:14px}.content-card{background:#fff9eb;border:1.5px solid #aab1a0;border-radius:1px!important;box-shadow:none!important;min-height:250px;transition:transform .14s,box-shadow .14s}
.content-card:hover{border-color:#27392d;box-shadow:5px 5px 0 #2b3d2f!important;transform:translate(-2px,-2px)}
.content-card h3{font-size:1.52rem;letter-spacing:-.04em}
.content-card p{color:#526052}.card-category{color:#98503c;font-size:.67rem;letter-spacing:.09em}
.card-icon{border-radius:0!important;border:1px solid #304035!important;transform:rotate(-4deg)}
.card-foot{border-color:#d9c9af}
.tool-card{border-radius:1px!important;border:1.5px solid #273e32;background:#f1dbb4!important;box-shadow:none!important;transition:transform .15s,box-shadow .15s}
.tool-card:hover{box-shadow:5px 5px 0 #2b3e31!important;transform:translate(-2px,-2px)}
.tool-card.featured{background:#d7dfbf!important}.tool-card.warm{background:#f0bc98!important}.tool-card.lilac{background:#e3d6bc!important}
.tool-card h3{font-size:2rem}.tool-symbol{color:#ac4930!important}
.step{background:transparent!important;border:0!important;border-top:2px solid #303e31!important;padding:25px 15px 5px!important;border-radius:0!important}
.step-number{color:#b74e35!important;font:italic 3rem Georgia,serif!important}
.step h3{font-size:1.5rem}.step p{font-size:.89rem}
.banner{background:#c55d3e!important;border:2px solid #31402f;box-shadow:9px 9px 0 #273e31;border-radius:0!important;color:#fff4df}
.banner p{color:#fff1de}.banner h2{font-family:Georgia,serif;font-size:clamp(2.25rem,3.4vw,3.3rem)}
.faq-grid details{border:0!important;border-bottom:1.5px solid #9aa996!important;border-radius:0!important;background:transparent!important;padding:23px 0!important}
.faq-grid summary{font-family:Georgia,serif;font-size:1.22rem}
.site-footer{background:#293c31;color:#e9ebd3}.footer-bottom{border-color:#60715d}.footer-main p{color:#c6cbb5}.footer-col a{color:#cbd4bf}
.page-hero{background:#324939;border-bottom:4px solid #e29b67}.page-hero:after{display:none}.page-hero .eyebrow{color:#f9cd88}.page-hero h1{font-size:clamp(2.9rem,5.1vw,5.1rem);font-family:Georgia,serif}.page-hero p{color:#d5dec8}
.searchbox,.filter-btn,.sidebar-card,.calc-panel,.result-panel,.glossary-term,.prose-card,.intro-panel,.sources,.notice,.article-kicker,.bottom-next,.visually-subtle{border-radius:1px!important;box-shadow:none!important}
.searchbox{background:#fff9e9;border-color:#9ea994}.filter-btn{background:transparent;border-color:#a9ad99}.filter-btn.active,.filter-btn:hover{background:#a94430;border-color:#a94430}
.article-body h2,.article-body h3,.sidebar-card h3{font-family:Georgia,serif}.article-body p,.article-body ul,.article-body ol{color:#4e5c50}.article-body h2{font-size:2rem}
.sidebar-card,.calc-panel,.prose-card,.glossary-term{background:#fff9ea;border:1.4px solid #a7ae9a}
.article-kicker{border-color:#bc593d!important;background:#f5ddc5!important}
.sources{background:#e7e5ca}.notice{background:#e6e7d1;border-color:#9aa994}
.calc-panel{border:2px solid #374536}.result-panel{background:#2f4434;border-color:#2f4434}
.result-panel p{color:#c7d6c1}.result-number{font-family:Georgia,serif;letter-spacing:-.04em}
.glossary-term h3{font-family:Georgia,serif;font-size:1.4rem}
.bottom-next{border-top:2px solid #273e31;border-bottom:2px solid #273e31;background:transparent}
.contact-form input,.contact-form textarea,.calc-field input,.calc-field select{background:#fffdf5;border-radius:1px}
@media(max-width:850px){.hero-grid{grid-template-columns:1fr}.hero-feature{justify-self:center;max-width:490px}.main-nav{gap:13px}}
@media(max-width:780px){.header-inner{height:67px}.main-nav{top:67px;background:#fcf5e4;border-bottom:2px solid #2c3b30}.main-nav a[aria-current="page"]{text-underline-offset:4px}}
@media(max-width:560px){.hero{padding:48px 0 64px}.hero h1{font-size:clamp(2.8rem,13vw,4.15rem)}.hero-grid{gap:45px}.hero-issue{font-size:.56rem}.hero-sticker{right:-5px;top:65px;font-size:.66rem}.hero-sticker.two{left:-7px;bottom:43px}.trust-line{flex-direction:column;gap:12px}.section-head h2{font-size:2.45rem}.content-card{min-height:220px}.brand{font-size:1.07rem}.brand small{font-size:.49rem}.brand-mark{width:35px;height:35px}.brand-mark img{width:35px;height:35px}}