/* WalletJolly — site styles */
:root{
  --ink:#15233B; --ink-2:#3A475D; --muted:#5A6678;
  --green:#1E7A57; --green-deep:#0F4F38; --green-soft:#E3F1E9;
  --lime:#C9EF6A; --gold:#F2B53A; --red:#C8492D;
  --paper:#F5F8F6; --card:#FFFFFF; --line:#DCE5E0; --line-2:#C7D3CD;
  --sans:"Bricolage Grotesque",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
  --wrap:1180px; --gut:20px;
  --r-lg:20px; --r-md:12px; --r-sm:8px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.5;
  font-optical-sizing:auto;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--green-deep);text-decoration-thickness:1.5px;text-underline-offset:3px}
a:hover{color:var(--green)}
:focus-visible{outline:3px solid var(--green);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
h1,h2,h3,h4{font-family:var(--sans);line-height:1.12;letter-spacing:-.015em;margin:0}

/* ---------- header ---------- */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;gap:20px;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex-shrink:0}
.logo svg{width:38px;height:38px}
.logo b{font-size:25px;font-weight:700;letter-spacing:-.03em}
.logo b span{color:var(--green)}
.nav{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav a{color:var(--ink-2);text-decoration:none;font-weight:500;font-size:15.5px;padding:8px 11px;border-radius:999px}
.nav a:hover,.nav a[aria-current=page]{background:var(--green-soft);color:var(--green-deep)}
.nav .tools-link{background:var(--ink);color:#fff;margin-left:8px;padding:9px 16px}
.nav .tools-link:hover{background:var(--green-deep);color:#fff}
.menu-btn{display:none;margin-left:auto;background:none;border:1.5px solid var(--line-2);border-radius:10px;padding:8px 12px;font:600 15px var(--sans);color:var(--ink);cursor:pointer}
@media (max-width:1040px){
  .menu-btn{display:inline-flex;align-items:center;gap:8px}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--card);flex-direction:column;align-items:stretch;
    padding:10px var(--gut) 18px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px -20px rgba(21,35,59,.35)}
  .nav.open{display:flex}
  .nav a{padding:13px 12px;font-size:17px;border-radius:10px}
  .nav .tools-link{margin:8px 0 0;text-align:center}
}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 16px var(--sans);text-decoration:none;
  padding:13px 22px;border-radius:999px;border:0;cursor:pointer;background:var(--green);color:#fff;line-height:1.2}
.btn:hover{background:var(--green-deep);color:#fff}
.btn-lime{background:var(--lime);color:var(--ink)}
.btn-lime:hover{background:#B6E04F;color:var(--ink)}

/* ---------- hero ---------- */
.hero{padding:56px 0 64px;background:
  radial-gradient(900px 400px at 85% 10%, #E4F3EA 0%, transparent 60%), var(--paper)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(40px,6.2vw,74px);font-weight:800;letter-spacing:-.035em;line-height:.98;max-width:12ch}
.hero .lede{font-family:var(--serif);font-size:clamp(18px,2vw,21px);line-height:1.55;color:var(--ink-2);max-width:34ch;margin:22px 0 28px}
.picker{background:var(--card);border:1.5px solid var(--line-2);border-radius:var(--r-lg);padding:18px;max-width:520px}
.picker label{display:block;font-weight:600;font-size:15px;margin-bottom:10px}
.picker-row{display:flex;gap:10px}
.picker select{flex:1;min-width:0;font:500 16px var(--sans);color:var(--ink);padding:12px 14px;border-radius:12px;border:1.5px solid var(--line-2);
  background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2315233B' stroke-width='2' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;appearance:none}
.picker small{display:block;color:var(--muted);font-size:13.5px;margin-top:10px}

/* receipt */
.receipt-wrap{display:flex;justify-content:center;perspective:900px}
.receipt{width:100%;max-width:360px;background:#fff;font-family:var(--mono);font-size:14px;color:var(--ink);
  padding:26px 24px 34px;position:relative;box-shadow:0 30px 50px -28px rgba(21,35,59,.45);transform:rotate(1.6deg);
  -webkit-mask:radial-gradient(circle 7px at 50% 100%,transparent 6.5px,#000 7px) 0 0/18px 100% repeat-x;
          mask:radial-gradient(circle 7px at 50% 100%,transparent 6.5px,#000 7px) 0 0/18px 100% repeat-x;
  animation:print 1.4s cubic-bezier(.2,.8,.2,1) both .2s}
@keyframes print{from{clip-path:inset(0 0 100% 0);transform:rotate(1.6deg) translateY(-24px)}to{clip-path:inset(0 0 0 0);transform:rotate(1.6deg)}}
.receipt .r-head{text-align:center;border-bottom:2px dashed var(--line-2);padding-bottom:14px;margin-bottom:14px}
.receipt .r-head strong{font-family:var(--sans);font-size:22px;letter-spacing:-.02em;display:block}
.receipt .r-head span{color:var(--muted);font-size:12.5px}
.r-line{display:flex;align-items:baseline;gap:8px;padding:5px 0}
.r-line .lbl{white-space:nowrap}
.r-line .dots{flex:1;border-bottom:2px dotted var(--line-2);transform:translateY(-4px)}
.r-line .amt{color:var(--green);font-weight:500}
.r-total{border-top:2px dashed var(--line-2);margin-top:12px;padding-top:12px;font-weight:500;font-size:16px}
.r-total .amt{background:var(--lime);color:var(--ink);padding:1px 6px}
.r-note{font-size:11.5px;color:var(--muted);margin-top:16px;line-height:1.45;text-align:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero{padding:36px 0 48px}.receipt{transform:rotate(0)}
  @keyframes print{from{clip-path:inset(0 0 100% 0)}to{clip-path:inset(0 0 0 0)}}}

/* ---------- sections ---------- */
.section{padding:60px 0}
.section + .section{padding-top:8px}
.sec-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:26px}
.sec-head h2{font-size:clamp(28px,3.4vw,40px);font-weight:700}
.sec-head p{margin:8px 0 0;color:var(--muted);font-family:var(--serif);font-size:18px}
.sec-head .more{font-weight:600;white-space:nowrap}

/* topic ledger */
.topics{display:grid;grid-template-columns:repeat(4,1fr);border-top:2px solid var(--ink);}
.topic{display:flex;gap:14px;align-items:center;padding:18px 16px 18px 0;border-bottom:1px solid var(--line-2);text-decoration:none;color:var(--ink)}
.topic:nth-child(4n+2),.topic:nth-child(4n+3),.topic:nth-child(4n+4){padding-left:16px;border-left:1px solid var(--line)}
.topic .ic{width:54px;height:54px;border-radius:14px;overflow:hidden;flex-shrink:0;border:1.5px solid var(--line-2)}
.topic .ic svg{width:100%;height:100%;object-fit:cover}
.topic b{display:block;font-size:17.5px;font-weight:650}
.topic span{color:var(--muted);font-size:14.5px;line-height:1.35}
.topic:hover b{color:var(--green)}
@media (max-width:900px){.topics{grid-template-columns:1fr 1fr}
  .topic:nth-child(n){padding-left:0;border-left:0}.topic:nth-child(2n){padding-left:14px;border-left:1px solid var(--line)}}
@media (max-width:520px){.topics{grid-template-columns:1fr}.topic:nth-child(2n){padding-left:0;border-left:0}}

/* guides */
.guides{display:grid;grid-template-columns:repeat(4,1fr);gap:28px 22px}
.guide{text-decoration:none;color:var(--ink);display:flex;flex-direction:column}
.guide .thumb{border-radius:var(--r-md);overflow:hidden;border:1.5px solid var(--line-2);aspect-ratio:16/10;background:#fff}
.guide .thumb img{width:100%;height:100%;object-fit:cover}
.guide h3{font-size:21px;font-weight:700;margin:14px 0 6px}
.guide p{margin:0;color:var(--ink-2);font-family:var(--serif);font-size:16.5px;line-height:1.5}
.guide .meta{margin-top:10px;font-size:14px;color:var(--muted)}
.guide:hover h3{color:var(--green)}
.guides .guide.lead{grid-column:span 2;grid-row:span 2}
.guides .guide.lead h3{font-size:30px}
.guides .guide.lead p{font-size:18.5px}
@media (max-width:980px){.guides{grid-template-columns:1fr 1fr}.guides .guide.lead{grid-column:span 2;grid-row:auto}}
@media (max-width:560px){.guides{grid-template-columns:1fr}.guides .guide.lead{grid-column:auto}.guides .guide.lead h3{font-size:25px}}

/* numbers ledger */
.numbers{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:36px 40px;display:grid;grid-template-columns:.8fr 1.2fr;gap:44px}
.numbers h2{font-size:clamp(28px,3.2vw,38px);font-weight:700}
.numbers .intro p{font-family:var(--serif);color:#C8D2DE;font-size:17.5px;margin:12px 0 0}
.numbers .intro small{display:block;color:#93A1B3;margin-top:18px;font-size:13.5px}
.ledger{margin:0;padding:0;list-style:none}
.ledger li{display:flex;align-items:baseline;gap:10px;padding:13px 0;border-bottom:1px solid #2C3B55}
.ledger li:first-child{padding-top:0}
.ledger .what{font-size:16.5px}
.ledger .what a{color:#fff;text-decoration:none}
.ledger .what a:hover{text-decoration:underline;color:var(--lime)}
.ledger .what small{display:block;color:#93A1B3;font-size:13px}
.ledger .dots{flex:1;border-bottom:2px dotted #44557A;transform:translateY(-5px);min-width:20px}
.ledger .val{font-family:var(--mono);font-size:22px;font-weight:500;color:var(--lime);white-space:nowrap}
@media (max-width:820px){.numbers{grid-template-columns:1fr;padding:28px 22px;gap:24px}}

/* picks */
.picks{display:grid;grid-template-columns:repeat(3,1fr);gap:34px 40px}
.pick h3{font-size:20px;font-weight:700;padding-bottom:10px;border-bottom:2px solid var(--ink);margin-bottom:6px;display:flex;justify-content:space-between;align-items:baseline}
.pick h3 a{color:var(--ink);text-decoration:none}
.pick h3 a:hover{color:var(--green)}
.pick h3 small{font-size:14px;font-weight:500}
.pick ul{list-style:none;margin:0;padding:0}
.pick li a{display:block;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink-2);text-decoration:none;font-family:var(--serif);font-size:17px;line-height:1.35}
.pick li a:hover{color:var(--green-deep);text-decoration:underline}
@media (max-width:900px){.picks{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.picks{grid-template-columns:1fr}}

/* stories */
.stories{display:grid;grid-template-columns:repeat(2,1fr);gap:0 44px}
.story{display:grid;grid-template-columns:120px 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--line-2);text-decoration:none;color:var(--ink);align-items:center}
.story .thumb{border-radius:10px;overflow:hidden;border:1.5px solid var(--line-2);aspect-ratio:16/10}
.story h3{font-size:19px;font-weight:650;line-height:1.25}
.story time{display:block;color:var(--muted);font-size:14px;margin-top:6px}
.story:hover h3{color:var(--green)}
@media (max-width:760px){.stories{grid-template-columns:1fr}.story{grid-template-columns:96px 1fr}}

/* tools strip */
.tools{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.tool{background:var(--card);border:1.5px solid var(--line-2);border-radius:var(--r-md);padding:18px;text-decoration:none;color:var(--ink)}
.tool b{display:block;font-size:17px;margin-bottom:6px}
.tool span{color:var(--muted);font-size:14.5px;line-height:1.4;display:block}
.tool:hover{border-color:var(--green)}
@media (max-width:980px){.tools{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.tools{grid-template-columns:1fr}}

/* ---------- article ---------- */
.crumbs{font-size:14.5px;color:var(--muted);padding:22px 0 0}
.crumbs a{color:var(--muted)}
.art-head{max-width:780px;padding:18px 0 26px}
.kind{display:inline-block;font-size:14px;font-weight:600;color:var(--green-deep);background:var(--green-soft);padding:4px 11px;border-radius:999px;margin-bottom:16px}
.art-head h1{font-size:clamp(32px,4.6vw,52px);font-weight:750;letter-spacing:-.03em;line-height:1.05}
.art-head .dek{font-family:var(--serif);font-size:clamp(19px,2.1vw,22px);line-height:1.5;color:var(--ink-2);margin:16px 0 0}
.byline{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:18px;color:var(--muted);font-size:14.5px}
.byline b{color:var(--ink);font-weight:600}
.art-grid{display:grid;grid-template-columns:minmax(0,720px) 300px;gap:56px;justify-content:space-between;padding-bottom:40px}
.art-figure{border-radius:var(--r-lg);overflow:hidden;border:1.5px solid var(--line-2);margin:0 0 30px;background:#fff}
.takeaways{background:var(--card);border:1.5px solid var(--line-2);border-left:8px solid var(--lime);border-radius:var(--r-md);padding:20px 24px;margin:0 0 30px}
.takeaways h2{font-size:18px;font-weight:700;margin-bottom:10px}
.takeaways ul{margin:0;padding-left:20px;font-family:var(--serif);font-size:17.5px;line-height:1.55}
.takeaways li+li{margin-top:6px}
.prose{font-family:var(--serif);font-size:19px;line-height:1.72;color:#1C2A40}
.prose>*:first-child{margin-top:0}
.prose p{margin:0 0 1.1em}
.prose h2{font-size:clamp(25px,2.6vw,30px);font-weight:700;margin:1.7em 0 .55em;color:var(--ink);scroll-margin-top:90px}
.prose h3{font-size:21px;font-weight:650;margin:1.4em 0 .45em;color:var(--ink)}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin:.35em 0;padding-left:.2em}
.prose li::marker{color:var(--green)}
.prose strong{font-weight:650;color:var(--ink)}
.prose blockquote{margin:1.4em 0;padding:16px 20px;background:var(--green-soft);border-radius:var(--r-md);font-size:17.5px;line-height:1.6}
.prose blockquote p:last-child{margin:0}
.prose table{width:100%;border-collapse:collapse;font-family:var(--sans);font-size:15.5px;margin:0}
.prose th{text-align:left;font-weight:650;border-bottom:2px solid var(--ink);padding:9px 12px 9px 0;white-space:nowrap}
.prose td{border-bottom:1px solid var(--line);padding:9px 12px 9px 0;vertical-align:top}
.prose td:last-child,.prose th:last-child{padding-right:0}
.toc{background:var(--card);border:1.5px solid var(--line-2);border-radius:var(--r-md);padding:18px 22px;margin:0 0 30px}
.toc h2{font-size:16px;font-weight:700;margin-bottom:8px}
.toc ol{margin:0;padding-left:20px;font-size:16px;line-height:1.5}
.toc li{margin:4px 0}
.cta{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:26px 28px;margin:36px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h3{font-size:22px;font-weight:700}
.cta p{margin:6px 0 0;color:#C8D2DE;font-family:var(--serif);font-size:17px;max-width:42ch}
.note{font-size:14.5px;color:var(--muted);border-top:1px solid var(--line-2);padding-top:16px;margin-top:30px;line-height:1.55}
.aside{position:sticky;top:96px;align-self:start}
.aside h2{font-size:17px;font-weight:700;padding-bottom:8px;border-bottom:2px solid var(--ink)}
.aside ul{list-style:none;padding:0;margin:0 0 30px}
.aside li a{display:block;padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink-2);font-size:16px;line-height:1.35}
.aside li a:hover{color:var(--green-deep)}
.aside .mini-tool{background:var(--green-soft);border-radius:var(--r-md);padding:18px}
.aside .mini-tool b{display:block;font-size:17px;margin-bottom:4px}
.aside .mini-tool p{margin:0 0 12px;font-size:15px;color:var(--ink-2)}
.keep{border-top:2px solid var(--ink);padding:24px 0 10px;margin-top:10px}
.keep h2{font-size:22px;margin-bottom:12px}
.keep-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.keep-grid a{text-decoration:none;color:var(--ink)}
.keep-grid .thumb{border-radius:10px;overflow:hidden;border:1.5px solid var(--line-2);aspect-ratio:16/10;margin-bottom:10px}
.keep-grid b{font-size:17px;line-height:1.3;display:block}
.keep-grid a:hover b{color:var(--green)}
@media (max-width:980px){.art-grid{grid-template-columns:1fr;gap:10px}.aside{position:static}}
@media (max-width:640px){.prose{font-size:18px}.keep-grid{grid-template-columns:1fr}.keep-grid a{display:grid;grid-template-columns:110px 1fr;gap:14px;align-items:center}.keep-grid .thumb{margin:0}.cta{padding:22px}}

/* ---------- hub ---------- */
.hub-head{padding:34px 0 30px;border-bottom:1px solid var(--line-2);margin-bottom:34px;display:grid;grid-template-columns:1fr 260px;gap:40px;align-items:center}
.hub-head h1{font-size:clamp(36px,5vw,60px);font-weight:800;letter-spacing:-.03em}
.hub-head p{font-family:var(--serif);font-size:20px;color:var(--ink-2);margin:12px 0 0;max-width:44ch}
.hub-head .thumb{border-radius:var(--r-lg);overflow:hidden;border:1.5px solid var(--line-2)}
.hub-list{display:grid;grid-template-columns:repeat(3,1fr);gap:30px 24px;padding-bottom:60px}
@media (max-width:900px){.hub-list{grid-template-columns:1fr 1fr}.hub-head{grid-template-columns:1fr}.hub-head .thumb{display:none}}
@media (max-width:560px){.hub-list{grid-template-columns:1fr}}

/* ---------- tools pages ---------- */
.calc{background:var(--card);border:1.5px solid var(--line-2);border-radius:var(--r-lg);padding:26px;display:grid;grid-template-columns:1fr 1fr;gap:30px;margin-bottom:34px}
.calc .fields{display:grid;gap:16px;align-content:start}
.calc label{font-weight:600;font-size:15.5px;display:block;margin-bottom:6px}
.calc label small{font-weight:400;color:var(--muted)}
.calc input,.calc select{width:100%;font:500 17px var(--sans);padding:12px 14px;border:1.5px solid var(--line-2);border-radius:12px;color:var(--ink);background:#fff}
.calc input:focus,.calc select:focus{border-color:var(--green);outline:none;box-shadow:0 0 0 3px rgba(30,122,87,.18)}
.result{background:var(--paper);border-radius:var(--r-md);padding:22px;font-family:var(--mono)}
.result .big{font-family:var(--sans);font-size:clamp(34px,4vw,46px);font-weight:750;letter-spacing:-.02em;color:var(--green-deep);line-height:1.1}
.result .sub{font-family:var(--sans);color:var(--muted);margin:4px 0 16px;font-size:15px}
.result .r-line{font-size:15px}
.bar{height:16px;border-radius:999px;overflow:hidden;display:flex;margin:14px 0 6px;background:var(--line)}
.bar i{display:block;height:100%}
@media (max-width:760px){.calc{grid-template-columns:1fr;padding:20px}}

/* ---------- static pages ---------- */
.page{max-width:760px;padding:30px 0 70px}
.page h1{font-size:clamp(34px,4.4vw,50px);font-weight:750;letter-spacing:-.03em;margin-bottom:18px}

/* ---------- footer ---------- */
.site-footer{background:var(--green-deep);color:#D5E7DD;margin-top:30px;padding:54px 0 30px;font-size:15px}
.ft-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:36px}
.site-footer .logo{color:#fff}
.site-footer .logo b span{color:var(--lime)}
.site-footer p{line-height:1.6;margin:14px 0 0;max-width:40ch}
.site-footer h4{color:#fff;font-size:16px;margin-bottom:12px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:7px 0}
.site-footer a{color:#D5E7DD;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.disclosure{border-top:1px solid #2E6B53;margin-top:40px;padding-top:24px;font-size:13.5px;line-height:1.6;color:#B6D0C3}
.disclosure p{max-width:none;margin:0 0 10px}
.legal{display:flex;flex-wrap:wrap;gap:8px 22px;margin-top:16px}
@media (max-width:820px){.ft-grid{grid-template-columns:1fr 1fr}.ft-grid>div:first-child{grid-column:1/-1}}

/* mobile hero fixes */
.hero-grid>*{min-width:0}
@media (max-width:520px){
  .picker-row{flex-direction:column}
  .picker-row .btn{width:100%}
  .receipt{max-width:330px;font-size:13px;padding:22px 18px 30px}
  .hero{padding-bottom:28px}
}
.art-figure img,.thumb img{width:100%;height:100%;object-fit:cover}
.topic .ic img{width:100%;height:100%;object-fit:cover}
.tbl{overflow-x:auto;margin:1.2em 0 1.5em}