/* Kinda Invested: a deliberate, readable dark mode. This stylesheet loads last. */
.theme-toggle{appearance:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;min-height:39px;padding:8px 12px;background:transparent;color:#31493b;border:1px solid #d4e1d8;border-radius:9px;font:inherit;font-weight:600;font-size:.83rem;line-height:1.1;white-space:nowrap;transition:background-color .2s,border-color .2s,color .2s}
.theme-toggle:hover{background:#eef5ef;border-color:#9bbfa8}.theme-toggle:focus-visible{outline:3px solid #76a987;outline-offset:3px}.theme-toggle svg{width:18px;height:18px}.theme-toggle-sun{display:none}
.story-money-field{display:grid;grid-template-columns:1fr minmax(110px,155px);gap:16px;align-items:center;max-width:575px;margin:16px 0 2px;font-size:.91rem;color:#435f4c;font-weight:650}
.story-money-field input{width:100%;font:inherit;font-size:1.18rem;font-weight:700;line-height:1.2;color:#1b3e29;background:#fff;border:1px solid #9ebda4;border-radius:9px;padding:11px 12px;min-height:47px}.story-money-field input:focus-visible{outline:3px solid #78ac89;outline-offset:2px}.story-money-field input:invalid{border-color:#b25b4a}
.story-money-note{display:block;color:#77877b;font-size:.75rem;line-height:1.55;margin-bottom:6px}
.info-jump{display:flex;gap:9px;flex-wrap:wrap;margin-bottom:32px}.info-jump a{display:inline-flex;padding:8px 11px;border:1px solid #dbe4db;border-radius:8px;font-size:.83rem;color:#2d6143;text-decoration:none}.info-jump a:hover{background:#f0f5f0}.info-section{padding:20px 0 26px;border-top:1px solid #dfe6dd;scroll-margin-top:85px}.info-section h2{margin:4px 0 13px!important;font-size:clamp(1.45rem,2.5vw,1.9rem);letter-spacing:-.03em}.info-section p{margin:0 0 13px;line-height:1.7}.info-section a{color:#246b4c;text-decoration:underline;text-underline-offset:3px}
/* White-on-charcoal palette with quiet green highlights. */
html[data-theme="dark"]{color-scheme:dark;--ink:#e7eee8;--muted:#a9b9ae;--deep:#356b52;--deep2:#254833;--cream:#121b17;--paper:#19251e;--mint:#243a2c;--green:#3d6047;--peach:#352921;--lavender:#27332d;--line:#33463a;--focus-ink:#eaf1e9;--focus-green:#86c4a0;--focus-paper:#142018}
html[data-theme="dark"],html[data-theme="dark"] body{background:#111a15;color:#e6eee7}
html[data-theme="dark"] h1,html[data-theme="dark"] h2,html[data-theme="dark"] h3,html[data-theme="dark"] h4,html[data-theme="dark"] strong{color:#edf5ee}
html[data-theme="dark"] p,html[data-theme="dark"] li{color:#b9c9bd}
html[data-theme="dark"] a{color:#a0d7b2}html[data-theme="dark"] a:hover{color:#d1f4d9}
html[data-theme="dark"] .site-header{background:#162219;border-color:#344939}
html[data-theme="dark"] .brand,html[data-theme="dark"] .brand-word{color:#f0f7ee}
html[data-theme="dark"] .brand-word>span{color:#a0d2a9}
html[data-theme="dark"] .main-nav{background:#162219}
html[data-theme="dark"] .main-nav a{color:#bccdbf}
html[data-theme="dark"] .main-nav a[aria-current="page"],html[data-theme="dark"] .main-nav a:hover{color:#b1e5bb}
html[data-theme="dark"] .menu-toggle,html[data-theme="dark"] .theme-toggle{background:#1b2b21;border-color:#405c47;color:#e8f2e8}
html[data-theme="dark"] .theme-toggle:hover,html[data-theme="dark"] .menu-toggle:hover{background:#29402f}
html[data-theme="dark"] .theme-toggle-moon{display:none}html[data-theme="dark"] .theme-toggle-sun{display:inline-flex}
html[data-theme="dark"] .hero,html[data-theme="dark"] .home-reads,html[data-theme="dark"] .home-note,html[data-theme="dark"] .journey-page{background:#111a15;color:#e8efe8;border-color:#35483b}
html[data-theme="dark"] .hero h1,html[data-theme="dark"] .choice-tile h3,html[data-theme="dark"] .home-reads h2,html[data-theme="dark"] .home-read strong{color:#edf5ec}
html[data-theme="dark"] .hero h1 em,html[data-theme="dark"] .hero .hero-overline,html[data-theme="dark"] .eyebrow{color:#a2d9af}
html[data-theme="dark"] .hero-copy>p:not(.hero-overline),html[data-theme="dark"] .hero-note,html[data-theme="dark"] .choice-tile p,html[data-theme="dark"] .home-read-type{color:#aebeb1}
html[data-theme="dark"] .hero-feature,html[data-theme="dark"] .about-art{background:#203128;border-color:#3b5541}
html[data-theme="dark"] .home-choices,html[data-theme="dark"] .compare-section,html[data-theme="dark"] .compare-action,html[data-theme="dark"] .about-main,html[data-theme="dark"] .section,html[data-theme="dark"] .section-tight{background:#152019!important;border-color:#34473a}
html[data-theme="dark"] .choice-tile,html[data-theme="dark"] .content-card,html[data-theme="dark"] .tool-card,html[data-theme="dark"] .tool-card.featured,html[data-theme="dark"] .tool-card.warm,html[data-theme="dark"] .tool-card.lilac,html[data-theme="dark"] .compare-card,html[data-theme="dark"] .glossary-term,html[data-theme="dark"] .sidebar-card,html[data-theme="dark"] .calc-panel,html[data-theme="dark"] .prose-card,html[data-theme="dark"] .searchbox,html[data-theme="dark"] .bottom-next,html[data-theme="dark"] .intro-panel{background:#1c2b21!important;border-color:#3a5140!important;color:#e8f1e7}
html[data-theme="dark"] .choice-tile:hover,html[data-theme="dark"] .content-card:hover,html[data-theme="dark"] .tool-card:hover,html[data-theme="dark"] .home-read:hover{background:#26382c!important;color:#f3f9f2}
html[data-theme="dark"] .content-card h3,html[data-theme="dark"] .tool-card h3,html[data-theme="dark"] .glossary-term h3,html[data-theme="dark"] .compare-card h3{color:#ecf4e9}
html[data-theme="dark"] .content-card p,html[data-theme="dark"] .content-card .card-foot,html[data-theme="dark"] .tool-card p,html[data-theme="dark"] .compare-card p{color:#afc1b3}
html[data-theme="dark"] .home-read,html[data-theme="dark"] .home-read-list,html[data-theme="dark"] .home-note p,html[data-theme="dark"] .section-head{border-color:#35473a}
html[data-theme="dark"] .button-outline,html[data-theme="dark"] .button-light{background:#1f3025;border-color:#46634e;color:#d0efd6}
html[data-theme="dark"] .button-dark,html[data-theme="dark"] .button-primary,html[data-theme="dark"] .story-continue:not(:disabled),html[data-theme="dark"] .story-next-link{background:#76b78c;border-color:#76b78c;color:#0b2012}
html[data-theme="dark"] .button-dark:hover,html[data-theme="dark"] .button-primary:hover,html[data-theme="dark"] .story-continue:hover:not(:disabled){background:#96d7aa;border-color:#96d7aa;color:#0c2417}
html[data-theme="dark"] .page-hero,html[data-theme="dark"] .path-hero,html[data-theme="dark"] .about-hero{background:#1b2b21;border-color:#3b5141}
html[data-theme="dark"] .page-hero h1,html[data-theme="dark"] .path-hero h1,html[data-theme="dark"] .about-story h1,html[data-theme="dark"] .about-reading h2{color:#f0f5ef}
html[data-theme="dark"] .page-hero p,html[data-theme="dark"] .path-hero p,html[data-theme="dark"] .about-story p,html[data-theme="dark"] .about-reading p{color:#b9cabb}
html[data-theme="dark"] .about-story .about-lede{color:#deeadd}
html[data-theme="dark"] .about-note,html[data-theme="dark"] .notice,html[data-theme="dark"] .article-kicker,html[data-theme="dark"] .sources,html[data-theme="dark"] .compare-independence,html[data-theme="dark"] .result-panel{background:#24372a!important;border-color:#446148!important;color:#d9ebda}
html[data-theme="dark"] .about-note p,html[data-theme="dark"] .notice p,html[data-theme="dark"] .compare-independence,html[data-theme="dark"] .compare-independence strong{color:#c2d8c4}
html[data-theme="dark"] .article-body p,html[data-theme="dark"] .article-body li,html[data-theme="dark"] .sidebar-card p,html[data-theme="dark"] .calc-panel p{color:#c5d2c6}
html[data-theme="dark"] input,html[data-theme="dark"] textarea,html[data-theme="dark"] select{background:#1c2d23!important;border-color:#58715e!important;color:#e7f2e6!important}
html[data-theme="dark"] input::placeholder,html[data-theme="dark"] textarea::placeholder{color:#95ae9a}
html[data-theme="dark"] .filter-btn,html[data-theme="dark"] .compare-filter-btn{background:#23372a;color:#d1e2d2;border-color:#405d45}
html[data-theme="dark"] .filter-btn.active,html[data-theme="dark"] .compare-filter-btn[aria-pressed="true"]{background:#75b88b;color:#102318;border-color:#75b88b}
html[data-theme="dark"] .site-footer{background:#0d1610;border-top:1px solid #405241;color:#dfe9dc}
html[data-theme="dark"] .site-footer .brand,html[data-theme="dark"] .site-footer .brand-word{color:#f2f9f1}
html[data-theme="dark"] .footer-col a,html[data-theme="dark"] .footer-main p{color:#b2c7b3}
html[data-theme="dark"] .footer-col strong{color:#f4f8f4}
html[data-theme="dark"] .footer-bottom{border-color:#3d5040}
html[data-theme="dark"] .journey-quiet-title,html[data-theme="dark"] .journey-back,html[data-theme="dark"] .journey-topbar{color:#afcdb5}
html[data-theme="dark"] .journey-progress{background:#314639}
html[data-theme="dark"] .journey-stage{background:#1b2a20;border-color:#39503e;box-shadow:none}
html[data-theme="dark"] .story-screen h2,html[data-theme="dark"] .story-finish h2{color:#f1f6ef}
html[data-theme="dark"] .story-label,html[data-theme="dark"] .story-prompt,html[data-theme="dark"] .story-slider-label,html[data-theme="dark"] .story-finish-overline{color:#abdab3}
html[data-theme="dark"] .story-intro,html[data-theme="dark"] .story-finish-takeaway,html[data-theme="dark"] .story-feedback p,html[data-theme="dark"] .story-action p{color:#c7d6c8!important}
html[data-theme="dark"] .story-option,html[data-theme="dark"] .story-reveal-trigger,html[data-theme="dark"] .story-feedback,html[data-theme="dark"] .story-live-result,html[data-theme="dark"] .story-action{background:#26392a;border-color:#456249;color:#d9eedc}
html[data-theme="dark"] .story-option:hover,html[data-theme="dark"] .story-option.active,html[data-theme="dark"] .story-reveal-trigger:hover{background:#34523b;border-color:#8cb69a;color:#f0fcf0}
html[data-theme="dark"] .story-option-key{background:#21372a;border-color:#4f7157;color:#c2e7c9}
html[data-theme="dark"] .story-option.active .story-option-key{background:#b1dfb9;color:#112719}
html[data-theme="dark"] .story-feedback h3,html[data-theme="dark"] .story-feedback-kicker,html[data-theme="dark"] .story-live-result,html[data-theme="dark"] .story-slider-stat strong{color:#b9e6c0}
html[data-theme="dark"] .story-continue:disabled{background:#34433a;color:#9aae9d;border-color:#34433a}
html[data-theme="dark"] .story-controls,html[data-theme="dark"] .story-action,html[data-theme="dark"] .journey-transcript{border-color:#3d5844}
html[data-theme="dark"] .story-summary-label,html[data-theme="dark"] .story-source,html[data-theme="dark"] .story-secondary-link{color:#9ad2a7}
html[data-theme="dark"] .story-money-field,html[data-theme="dark"] .story-money-note,html[data-theme="dark"] .story-slider-stat{color:#b0c8b4}
html[data-theme="dark"] .info-section,html[data-theme="dark"] .info-jump a{border-color:#42604b}
html[data-theme="dark"] .info-jump a{background:#22362a;color:#b3e1bb}
html[data-theme="dark"] .info-jump a:hover{background:#30503a}
@media(max-width:900px){.theme-toggle{padding:8px 10px}.theme-toggle [data-theme-label]{display:none}}
@media(max-width:580px){.story-money-field{grid-template-columns:1fr;gap:8px}.story-money-field input{max-width:220px}.theme-toggle{min-width:40px;min-height:40px}.theme-toggle svg{width:20px;height:20px}}
@media(prefers-reduced-motion:reduce){.theme-toggle{transition:none}}

/* Comparison lists, lesson directory and budget planner remain legible at night. */
html[data-theme="dark"] .compare-intro{background:#1b2b21;border-color:#39513e}
html[data-theme="dark"] .compare-intro h1,html[data-theme="dark"] .compare-head h2,html[data-theme="dark"] .compare-action h2{color:#edf4ed}
html[data-theme="dark"] .compare-intro p:not(.eyebrow),html[data-theme="dark"] .compare-head p:not(.eyebrow),html[data-theme="dark"] .compare-note{color:#b7c9b9}
html[data-theme="dark"] .compare-jump a,html[data-theme="dark"] .compare-highlight,html[data-theme="dark"] .compare-watch,html[data-theme="dark"] .compare-fee{background:#26392c;border-color:#496c51;color:#c8e5ce}
html[data-theme="dark"] .compare-card .compare-benefit,html[data-theme="dark"] .compare-watch strong,html[data-theme="dark"] .compare-fee strong{color:#d5ebd6}
html[data-theme="dark"] .compare-source{color:#a2d8af;border-color:#45604b}
html[data-theme="dark"] .payday-inputs,html[data-theme="dark"] .path-total{background:#1e3024;border:1px solid #3f5845;color:#d9eadd}
html[data-theme="dark"] .payday-inputs label,html[data-theme="dark"] .payday-inputs label span{color:#c6d9ca}
html[data-theme="dark"] .payday-result{background:#254b38}
html[data-theme="dark"] .payday-result p,html[data-theme="dark"] .payday-result strong{color:#f1f7ed}
html[data-theme="dark"] .payday-next{color:#d3f1d7}
html[data-theme="dark"] .path-lesson-list,html[data-theme="dark"] .path-lesson{border-color:#3c5340}
html[data-theme="dark"] .path-lesson:hover,html[data-theme="dark"] .path-lesson.is-done{background:#213829}
html[data-theme="dark"] .path-lesson-copy strong{color:#e9f2e9}
html[data-theme="dark"] .path-lesson-copy>span:last-child,html[data-theme="dark"] .path-lesson-top,html[data-theme="dark"] .path-lesson-status{color:#adc5b2}
html[data-theme="dark"] .path-section{background:#111a15}
html[data-theme="dark"] .glossary-term p,html[data-theme="dark"] .prose-card p,html[data-theme="dark"] .prose-card li{color:#b9cbbd}
html[data-theme="dark"] .article-body a,html[data-theme="dark"] .sources a,html[data-theme="dark"] .toc a{color:#a2d8ac}
html[data-theme="dark"] .article-body strong,html[data-theme="dark"] .contact-form label,html[data-theme="dark"] .calc-field label{color:#e0efe0}
html[data-theme="dark"] .result-row b{color:#f3fbf2}
html[data-theme="dark"] .result-row{border-color:#4e6854}
html[data-theme="dark"] .result-row span,html[data-theme="dark"] .result-disclaimer{color:#c4dbc7!important}
html[data-theme="dark"] .compare-filter-btn:hover{background:#35513c;color:#e0f2e0}

/* Three footer groups rather than an empty fourth column. */
.footer-main{grid-template-columns:minmax(250px,1.55fr) repeat(2,minmax(150px,.9fr))}
@media(max-width:780px){.footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-main>div:first-child{grid-column:1/-1}}