/* base.css — shared by all five templates; each theme sets the variables and the layout. */
:root{--bg:#fff;--fg:#1a1d21;--muted:#4b5563;--hint:#667085;--line:#e5e7eb;--ink:#111;--accent:#1d4ed8;--soft:#f5f5f5;--card:#fff;--radius:10px;--chip:8px;--wrap:1160px;--narrow:740px;
--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--head:var(--font);--serif:Georgia,"Times New Roman",serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--fg);font:17px/1.65 var(--font);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1,h2,h3{font-family:var(--head);color:var(--ink);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.5vw,2.8rem)}h2{font-size:1.5rem}h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.narrow{max-width:var(--narrow);margin:0 auto;padding:0 16px}
.wrap .narrow{padding:0}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;margin:0;padding:0}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 12px;z-index:10;border-radius:6px}.skip:focus{left:8px}
.ic{flex:none;vertical-align:-3px}
.muted,.meta{color:var(--hint);font-size:.9rem}
.meta{margin:.4em 0 0}
.kicker{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);text-decoration:none;margin-bottom:.4em}
.section-h{font-family:var(--head);font-size:1.35rem;font-weight:700;color:var(--ink);margin:2.2rem 0 1rem}

/* header basics */
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--head);font-weight:800;font-size:1.35rem;letter-spacing:-.01em}
.logo svg{border-radius:8px}
.hsearch{display:flex;align-items:center;min-width:0;border:1px solid var(--line);border-radius:var(--chip);background:#fff;overflow:hidden}
.hsearch input{flex:1;min-width:0;border:0;padding:9px 12px;font:inherit;font-size:.95rem;background:transparent;color:#1a1d21}
.hsearch button{border:0;background:transparent;padding:8px 12px;color:var(--muted);cursor:pointer;display:flex}
.mainnav,.catnav-links{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none}
.mainnav::-webkit-scrollbar,.catnav-links::-webkit-scrollbar{display:none}
.mainnav a,.catnav-links a{white-space:nowrap;text-decoration:none;color:inherit;padding:8px 12px;border-radius:var(--chip);font-size:.95rem;font-weight:600;display:inline-flex;gap:6px;align-items:center}

/* cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.card .thumb{aspect-ratio:1200/630;object-fit:cover;width:100%}
.card-body{padding:16px 18px 18px}
.card h3{font-size:1.12rem;margin:.1em 0 .4em}.card h3 a{color:var(--ink);text-decoration:none}.card h3 a:hover{text-decoration:underline}
.card p{color:var(--muted);font-size:.95rem;margin:0}
.cat-tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px}
.cat-tile{display:flex;flex-direction:column;gap:4px;padding:18px;border:1px solid var(--line);border-radius:var(--radius);background:var(--card);text-decoration:none;color:var(--ink)}
.cat-tile .ic{color:var(--accent);margin-bottom:6px}.cat-tile span{color:var(--hint);font-size:.88rem}.cat-tile:hover{border-color:var(--accent)}
.badges{display:flex;gap:6px;flex-wrap:wrap;margin:.6em 0 0!important}
.badge{display:inline-flex;align-items:center;gap:4px;font-size:.8rem;font-weight:600;padding:3px 8px;border-radius:6px;background:var(--soft);color:var(--ink)}
.trust{margin-top:3rem;background:var(--soft);padding:22px 0}
.trust .wrap{display:flex;gap:12px;align-items:flex-start}.trust .ic{color:var(--accent);margin-top:3px}.trust p{margin:0;color:var(--fg)}

/* article */
.crumbs{display:flex;flex-wrap:wrap;gap:6px;font-size:.85rem;color:var(--hint);margin:20px 0 14px}
.crumbs a{color:var(--hint)}.crumbs [aria-current]{color:var(--muted)}
.dek{font-size:1.15rem;color:var(--muted);margin:.2em 0 .8em}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-size:.9rem;color:var(--hint);margin:0 0 1.2em}
.byline a{color:var(--fg);font-weight:600}.byline .sep{opacity:.6}
.hero-img,.feature-img,.side-img{width:100%;aspect-ratio:1200/630;object-fit:cover;border-radius:var(--radius)}
.hero-img{margin:0 0 1.6rem}
.quick-answer{border-left:4px solid var(--accent);background:var(--soft);padding:16px 18px;border-radius:0 var(--radius) var(--radius) 0;margin:0 0 1.4rem}
.quick-answer p{margin:0}.qa-label,.tk-label,.vd-label,.sp-label,.toc-label{font-size:.8rem!important;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--accent);margin:0 0 6px!important;display:flex;gap:6px;align-items:center}
.takeaways{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;margin:0 0 1.4rem;background:var(--card)}
.takeaways ul{margin:0;padding-left:1.1em}.takeaways li{margin:.3em 0}
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;background:var(--card)}
.toc ol{margin:0;padding-left:1.2em;font-size:.95rem}.toc li{margin:.35em 0}.toc a{color:var(--fg)}
.prose h2{margin-top:1.8em;scroll-margin-top:16px}.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.35em 0}
.prose table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.95rem;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
.prose thead th{background:var(--soft);color:var(--ink)}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 18px;border-left:3px solid var(--accent);color:var(--muted);font-style:italic}
.callout{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;margin:1.4em 0}
.callout p:last-child{margin:0}
.lede{font-size:1.15rem;color:var(--fg)}
.plain-list{list-style:none;padding:0!important}.plain-list li{padding:8px 0;border-bottom:1px solid var(--line)}

/* RSOC unit (mock of Google's Related search for content) */
.rsoc{margin:1.6em 0;padding:16px 18px;border:1px solid var(--line);border-radius:var(--radius);background:var(--card)}
.rs-label{font-size:.85rem;font-weight:700;color:var(--muted);margin:0 0 10px}
.rs-terms{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:8px}
.rs-term{display:flex;gap:8px;align-items:center;padding:10px 12px;border:1px solid var(--line);border-radius:var(--chip);text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;background:var(--bg)}
.rs-term .ic{color:var(--accent)}.rs-term:hover{border-color:var(--accent)}


/* how-to steps */
.howto{margin:1.6em 0}
.steps{list-style:none;padding:0!important;margin:0;counter-reset:s}
.steps li{display:flex;gap:14px;padding:14px 0;border-bottom:1px solid var(--line);margin:0}
.step-n{flex:none;width:34px;height:34px;border-radius:8px;background:var(--accent);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps h3{margin:.15em 0 .3em;font-size:1.05rem}.steps p{margin:0}

/* FAQ, disclaimer, related */
.faq{margin-top:2.2em}.faq-item{border-top:1px solid var(--line);padding:14px 0}.faq-item h3{font-size:1.05rem;margin:0 0 .35em}.faq-item p{margin:0;color:var(--muted)}
.disclaimer{display:flex;gap:10px;align-items:flex-start;margin:2em 0 0;padding:14px 16px;border-radius:var(--radius);background:var(--soft);font-size:.88rem;color:var(--muted)}
.disclaimer p{margin:0}.disclaimer .ic{color:var(--accent);margin-top:2px}
.related{margin:3rem 0 1rem}.related h2{font-size:1.3rem}
.rel-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:18px}
.rel-card{display:flex;flex-direction:column;gap:4px;text-decoration:none;color:var(--ink)}
.rel-card .thumb{border-radius:var(--radius);aspect-ratio:1200/630;object-fit:cover;margin-bottom:6px}
.rel-title{font-weight:700;line-height:1.3}

/* pages */
.page{padding-bottom:2rem}.page-head{padding:34px 0 10px}
.cat-head .ic{color:var(--accent)}
.contact-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px;margin:1.4em 0}
.contact-card{border:1px solid var(--line);border-radius:var(--radius);padding:16px;background:var(--card)}
.contact-card .ic{color:var(--accent)}.contact-card h2{font-size:1.05rem;margin:.5em 0 .3em}.contact-card p{margin:0 0 .4em;font-size:.95rem;word-break:break-word}

/* search results */
.serp{max-width:820px}
.serp-form{display:flex;gap:8px;margin:28px 0 12px}
.serp-form input{flex:1;min-width:0;padding:12px 14px;font:inherit;border:1px solid var(--line);border-radius:var(--chip);color:#1a1d21;background:#fff}
.serp-form button{display:flex;gap:6px;align-items:center;padding:0 16px;border:0;border-radius:var(--chip);background:var(--accent);color:#fff;font:inherit;font-weight:700;cursor:pointer}
.serp-q{font-weight:700;color:var(--ink)}
.serp-sponsored{border:1px dashed var(--hint);border-radius:var(--radius);padding:14px 16px;margin:12px 0}
.serp-sponsored-label{font-size:.8rem;font-weight:800;margin:0 0 4px;color:var(--ink)}
.serp-item{display:flex;flex-direction:column;gap:2px;padding:16px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--fg)}
.serp-title{font-size:1.15rem;font-weight:700;color:var(--accent)}.serp-url{font-size:.85rem;color:var(--hint)}.serp-desc{color:var(--muted)}

/* footer */
.site-footer{margin-top:4rem;background:var(--ink);color:#e6e8eb;font-size:.95rem}
.site-footer .logo{color:#fff}
.ft-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px;padding-top:40px;padding-bottom:28px}
.ft-brand p{color:#c9ced6;margin-top:12px;max-width:40ch}
.ft-col{display:flex;flex-direction:column;gap:8px}.ft-col a{color:#e6e8eb;text-decoration:none}.ft-col a:hover{text-decoration:underline}
.ft-h{font-weight:800;color:#fff;margin:0 0 4px;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em}
.ft-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:16px;padding-bottom:24px;font-size:.85rem;color:#c9ced6}.ft-bottom p{margin:0 0 4px}
@media (max-width:760px){.ft-grid{grid-template-columns:1fr 1fr}.ft-brand{grid-column:1/-1}body{font-size:16.5px}}

/* Savific — classic finance magazine: serif masthead, newspaper nav, two-column article with sidebar */
:root{--ink:#0f2a4a;--accent:#8a5a14;--soft:#f6f1e7;--line:#e3dccd;--bg:#fffdf9;--head:Georgia,"Times New Roman",serif;--radius:6px;--chip:4px}
.topbar{background:var(--ink);color:#e9eef5;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;padding-top:6px;padding-bottom:6px}.topbar a{color:#e9eef5}
.masthead{display:flex;justify-content:center;padding-top:22px;padding-bottom:16px}
.logo-lg{font-size:2.3rem;font-weight:700;letter-spacing:-.02em}
.catnav{border-top:3px double var(--ink);border-bottom:1px solid var(--line);background:#fff}
.catnav .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px}
.catnav-links a{text-transform:uppercase;font-size:.82rem;letter-spacing:.08em;color:var(--ink)}
.catnav-links a:hover{background:var(--soft)}
.catnav .hsearch{width:240px}
.lead-grid{display:grid;grid-template-columns:2fr 1fr;gap:32px;padding-top:28px}
.lead .hero-img{margin-bottom:14px}
.lead h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}.lead h2 a{color:var(--ink);text-decoration:none}
.lead-side{border-left:1px solid var(--line);padding-left:28px}
.lead-side .section-h{margin-top:0;border-bottom:2px solid var(--ink);padding-bottom:6px}
.side-item{padding:14px 0;border-bottom:1px solid var(--line)}.side-item h3 a{color:var(--ink);text-decoration:none}.side-item p{color:var(--muted);font-size:.93rem;margin:0}
.band .section-h,.wrap>.section-h{border-bottom:2px solid var(--ink);padding-bottom:6px}
.card{border-radius:4px}
.art-head h1{font-size:clamp(2rem,4.6vw,3rem);font-weight:700}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px}
.art-side{position:sticky;top:16px;align-self:start;display:flex;flex-direction:column;gap:16px}
.art-side .takeaways{background:var(--soft)}
.prose{font-family:Georgia,"Times New Roman",serif;font-size:1.08rem}
.prose h2,.prose h3{font-family:var(--head)}
.prose thead th{background:var(--ink);color:#fff}
.rsoc{border-top:3px solid var(--ink)}
@media (max-width:900px){.lead-grid,.art-grid{grid-template-columns:minmax(0,1fr)}.lead-side{border-left:0;padding-left:0}.art-side{position:static}.catnav .wrap{flex-direction:column;align-items:stretch}.catnav .hsearch{width:auto}}

/* Savific: local-preview stand-in for the Google related-search unit (never rendered on the live host) */
.rs-placeholder{border:1px dashed var(--hint);border-radius:var(--radius);padding:4px 2px}
.rs-placeholder .muted{margin:0}
.catnav-links a[aria-current]{background:var(--soft)}