:root{--navy:#1E3A6E;--navy-dark:#152d55;--navy-light:#2a4f8f;--gold:#C9A040;--gold-light:#e0b84a;--gold-pale:#fdf6e3;--white:#ffffff;--bg:#F4F7FB;--bg2:#eef2f8;--text:#1a2540;--text-muted:#6b7a99;--border:#dde3ef;--green:#1a7a4a;--green-light:#e6f5ee;--shadow-sm:0 2px 8px rgba(30,58,110,.08);--shadow-md:0 8px 32px rgba(30,58,110,.12);--shadow-lg:0 20px 60px rgba(30,58,110,.16);--radius:12px;--radius-lg:20px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--white);color:var(--text);overflow-x:hidden;line-height:1.6}

/* TICKER */
.ticker{background:#0f2347;padding:7px 0;overflow:hidden}
.ticker-wrap{display:flex;gap:40px;animation:ticker 35s linear infinite;white-space:nowrap}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.tick{font-size:12px;color:rgba(255,255,255,.6);display:inline-flex;align-items:center;gap:8px}
.tick .sym{font-weight:700;color:rgba(255,255,255,.85)}
.tick .pos{color:#4ade80}.tick .neg{color:#f87171}.tick .neu{color:var(--gold)}
.tick-sep{width:4px;height:4px;background:rgba(255,255,255,.2);border-radius:50%;display:inline-block;vertical-align:middle}

/* TOPBAR */
.topbar{background:var(--navy-dark);color:rgba(255,255,255,.7);font-size:12.5px;padding:6px 0}
.topbar-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;align-items:center}
.topbar-right{display:flex;gap:6px;align-items:center}
.topbar-right a{color:rgba(255,255,255,.65);text-decoration:none;font-size:12px;padding:4px 10px;border-radius:4px;transition:all .2s;font-weight:500}
.topbar-right a:hover{background:rgba(255,255,255,.1);color:var(--gold)}
.topbar-social{display:flex;gap:6px;margin-right:8px;align-items:center}
.topbar-social a{width:30px;height:30px;border-radius:7px;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;text-decoration:none;transition:all .25s;color:rgba(255,255,255,.9)}
.topbar-social a svg{width:16px;height:16px;flex-shrink:0}
.topbar-social a:hover{transform:translateY(-2px);border-color:transparent}
.topbar-social a.yt:hover{background:#ff0000}
.topbar-social a.ig:hover{background:linear-gradient(45deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888)}
.topbar-social a.xt:hover{background:#000}

/* HEADER */
header{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:1000;box-shadow:var(--shadow-sm)}
.header-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;height:68px;gap:28px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.logo-text{display:flex;flex-direction:column;line-height:1}
.logo-main{font-family:'Playfair Display',serif;font-size:22px;font-weight:800;color:var(--navy);letter-spacing:-.3px}
.logo-main span{color:var(--gold)}
.logo-sub{font-size:10px;color:var(--text-muted);letter-spacing:1.2px;text-transform:uppercase;font-weight:500;margin-top:2px}
nav{flex:1}
.nav-list{display:flex;list-style:none;gap:1px;align-items:center}
.nav-list>li{position:relative}
.nav-list>li>a{display:flex;align-items:center;gap:4px;padding:8px 11px;font-size:13.5px;font-weight:600;color:var(--text);text-decoration:none;border-radius:8px;transition:all .2s;white-space:nowrap}
.nav-list>li>a:hover,.nav-list>li:hover>a{color:var(--navy);background:var(--bg)}
.chevron{font-size:9px;opacity:.45;transition:transform .2s}
.nav-list>li:hover>a .chevron{transform:rotate(180deg)}
.dropdown{display:none;position:absolute;top:calc(100% + 8px);left:0;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-lg);min-width:220px;padding:8px;z-index:999}
.nav-list>li:hover .dropdown{display:block;animation:fadeDown .18s ease}
@keyframes fadeDown{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}
.dropdown a{display:flex;align-items:center;gap:9px;padding:9px 12px;font-size:13px;color:var(--text);text-decoration:none;border-radius:8px;font-weight:500;transition:all .15s}
.dropdown a:hover{background:var(--bg);color:var(--navy);padding-left:16px}
.mega-dd{display:none;position:absolute;top:calc(100% + 8px);left:-160px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);width:660px;padding:24px;z-index:999}
.nav-list>li:hover .mega-dd{display:block;animation:fadeDown .18s ease}
.mega-g{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.mega-c h4{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--text-muted);margin-bottom:10px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.mega-c a{display:flex;align-items:center;gap:8px;padding:8px 10px;font-size:12.5px;color:var(--text);text-decoration:none;border-radius:8px;font-weight:500;transition:all .15s}
.mega-c a:hover{background:var(--bg);color:var(--navy)}
.header-actions{display:flex;align-items:center;gap:8px;flex-shrink:0}
.btn-cta{background:var(--navy);color:var(--white);padding:9px 18px;border-radius:8px;font-size:13px;font-weight:700;text-decoration:none;transition:all .2s}
.btn-cta:hover{background:var(--navy-light);transform:translateY(-1px)}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:4px;flex-direction:column;gap:5px}
.hamburger span{width:22px;height:2px;background:var(--text);border-radius:2px;display:block}

/* MOBILE MENU */
.mob-menu{display:none;position:fixed;inset:0;background:var(--white);z-index:2000;padding:20px 24px;overflow-y:auto}
.mob-menu.open{display:block}
.mob-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;border-bottom:1px solid var(--border);padding-bottom:16px}
.mob-close{background:none;border:none;font-size:22px;cursor:pointer;color:var(--text)}
.mob-nav a{display:flex;align-items:center;gap:10px;padding:13px 0;border-bottom:1px solid var(--border);font-size:15px;font-weight:600;color:var(--text);text-decoration:none}
.mob-nav a:hover{color:var(--navy)}
.mob-social{display:flex;gap:10px;margin-top:24px}
.mob-social a{padding:10px 18px;border-radius:8px;font-size:13px;font-weight:700;text-decoration:none;display:flex;align-items:center;gap:8px}

/* PAGE HERO (inner pages) */
.page-hero{background:var(--navy);padding:48px 24px 52px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 55% 75% at 80% 50%,rgba(201,160,64,.1) 0%,transparent 60%)}
.page-hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:44px 44px}
.page-hero-inner{max-width:1200px;margin:0 auto;position:relative;z-index:1}
.page-hero-tag{display:inline-flex;align-items:center;gap:7px;background:rgba(201,160,64,.13);border:1px solid rgba(201,160,64,.28);color:var(--gold-light);padding:5px 14px;border-radius:100px;font-size:12px;font-weight:600;letter-spacing:.5px;margin-bottom:14px}
.page-hero h1{font-family:'Playfair Display',serif;font-size:clamp(28px,4vw,44px);font-weight:800;color:var(--white);line-height:1.15;margin-bottom:14px;letter-spacing:-.5px;max-width:800px}
.page-hero-sub{font-size:16px;color:rgba(255,255,255,.65);line-height:1.7;max-width:640px}

/* BREADCRUMB */
.breadcrumb{background:var(--bg);border-bottom:1px solid var(--border);padding:10px 24px}
.breadcrumb-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-muted);flex-wrap:wrap}
.breadcrumb a{color:var(--navy);text-decoration:none;font-weight:500}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb .sep{opacity:.4}

/* SECTIONS */
section{padding:64px 24px}
.si{max-width:1200px;margin:0 auto}
.sh{text-align:center;margin-bottom:44px}
.sh.left{text-align:left}
.s-tag{display:inline-block;background:var(--gold-pale);color:var(--gold);border:1px solid rgba(201,160,64,.18);padding:4px 14px;border-radius:100px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-bottom:11px}
.s-title{font-family:'Playfair Display',serif;font-size:clamp(24px,3.2vw,36px);font-weight:700;color:var(--navy);letter-spacing:-.4px;line-height:1.2;margin-bottom:12px}
.s-sub{font-size:15.5px;color:var(--text-muted);max-width:540px;margin:0 auto;line-height:1.65}

/* CARDS */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:all .25s;text-decoration:none;display:block}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:transparent}
.card-thumb{height:160px;display:flex;align-items:center;justify-content:center;font-size:40px;position:relative;overflow:hidden}
.card-thumb::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:18px 18px}
.card-body{padding:18px}
.card-cat{display:inline-block;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;padding:3px 9px;border-radius:4px;margin-bottom:9px}
.card-title{font-size:15px;font-weight:700;color:var(--text);line-height:1.4;margin-bottom:8px}
.card-meta{display:flex;gap:12px;font-size:11.5px;color:var(--text-muted)}
.card-excerpt{font-size:13.5px;color:var(--text-muted);line-height:1.6;margin-bottom:10px}

/* ARTICLE PAGE */
.article-layout{display:grid;grid-template-columns:1fr 320px;gap:40px;max-width:1200px;margin:0 auto;padding:40px 24px}
.article-content{}
.article-meta-bar{display:flex;gap:16px;align-items:center;margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid var(--border);flex-wrap:wrap}
.article-meta-bar span{font-size:13px;color:var(--text-muted);display:flex;align-items:center;gap:5px}
.article-body h2{font-family:'Playfair Display',serif;font-size:26px;font-weight:700;color:var(--navy);margin:36px 0 14px;letter-spacing:-.3px}
.article-body h3{font-size:18px;font-weight:700;color:var(--navy);margin:24px 0 10px}
.article-body p{font-size:16px;line-height:1.8;color:var(--text);margin-bottom:16px}
.article-body ul,.article-body ol{margin:0 0 16px 24px;font-size:16px;line-height:1.8;color:var(--text)}
.article-body li{margin-bottom:6px}
.article-body table{width:100%;border-collapse:collapse;margin:20px 0;font-size:14px;border-radius:10px;overflow:hidden;border:1px solid var(--border)}
.article-body th{background:var(--navy);color:var(--white);padding:12px 14px;text-align:left;font-size:13px;font-weight:600}
.article-body td{padding:11px 14px;border-bottom:1px solid var(--border)}
.article-body tr:nth-child(even) td{background:var(--bg)}
.article-body tr:hover td{background:var(--bg2)}
.tip-box{background:var(--gold-pale);border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:16px 20px;margin:20px 0;font-size:15px;color:var(--text)}
.tip-box strong{color:var(--navy)}
.disc-box{background:#fff8e1;border:1px solid rgba(201,160,64,.3);border-radius:10px;padding:14px 18px;margin:20px 0;font-size:13px;color:#7a6010;line-height:1.6}
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:12px;overflow:hidden}
.faq-q{padding:14px 18px;font-weight:700;font-size:15px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:var(--bg)}
.faq-q:hover{background:var(--bg2)}
.faq-a{padding:14px 18px;font-size:14.5px;line-height:1.7;color:var(--text-muted);display:none}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-q{background:var(--navy);color:var(--white)}
.article-sidebar{}
.sidebar-widget{background:var(--bg);border-radius:var(--radius-lg);padding:22px;margin-bottom:24px;border:1px solid var(--border)}
.sidebar-widget h3{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.related-item{display:flex;gap:10px;padding:10px 0;border-bottom:1px solid var(--border);text-decoration:none}
.related-item:last-child{border-bottom:none;padding-bottom:0}
.related-item:hover .related-title{color:var(--gold)}
.related-icon{width:36px;height:36px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.related-title{font-size:13px;font-weight:600;color:var(--text);line-height:1.3}

/* CALCULATOR */
.calc-page{max-width:900px;margin:0 auto;padding:40px 24px}
.calc-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md)}
.calc-top{display:grid;grid-template-columns:1fr 1fr;gap:0}
.calc-inputs{padding:32px;background:var(--bg)}
.calc-inputs h2{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:24px}
.calc-output{padding:32px;background:var(--navy);color:var(--white)}
.calc-output h3{font-size:14px;color:rgba(255,255,255,.6);margin-bottom:6px}
.calc-big{font-family:'Playfair Display',serif;font-size:40px;font-weight:800;color:var(--gold);margin-bottom:20px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:20px}
.calc-box{background:rgba(255,255,255,.06);border-radius:9px;padding:12px 14px}
.calc-box.full{grid-column:1/-1}
.calc-box-lbl{font-size:10.5px;color:rgba(255,255,255,.45);margin-bottom:3px}
.calc-box-val{font-size:17px;font-weight:700;color:var(--white)}
.calc-box-val.pos{color:#4ade80}
.calc-box-val.neg{color:#f87171}
.calc-btn{width:100%;background:var(--gold);color:var(--navy-dark);border:none;padding:13px;border-radius:9px;font-size:14px;font-weight:700;cursor:pointer;transition:all .2s;font-family:'DM Sans',sans-serif}
.calc-btn:hover{background:var(--gold-light)}
.calc-note{margin-top:12px;padding:10px 14px;background:rgba(255,255,255,.05);border-radius:8px;font-size:11px;color:rgba(255,255,255,.38);line-height:1.5}
.fg{margin-bottom:20px}
.fg label{display:flex;justify-content:space-between;font-size:13px;font-weight:600;color:var(--text);margin-bottom:7px}
.fg label span{color:var(--navy);font-weight:700}
.fg input[type=range]{width:100%;accent-color:var(--navy);cursor:pointer}
.calc-chart-bar{display:flex;align-items:flex-end;gap:4px;height:80px;margin:16px 0}
.bar{border-radius:3px 3px 0 0;flex:1;min-width:6px;transition:height .5s}
.calc-legend{display:flex;gap:16px;flex-wrap:wrap;margin-top:8px}
.legend-item{display:flex;align-items:center;gap:6px;font-size:12px;color:rgba(255,255,255,.6)}
.legend-dot{width:10px;height:10px;border-radius:3px}

/* BUTTONS */
.btn-navy{background:var(--navy);color:var(--white);padding:12px 24px;border-radius:9px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:all .2s;border:none;cursor:pointer;font-family:'DM Sans',sans-serif}
.btn-navy:hover{background:var(--navy-light);transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy-dark);padding:12px 24px;border-radius:9px;font-size:14px;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:all .2s;border:none;cursor:pointer;font-family:'DM Sans',sans-serif}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--navy);padding:11px 22px;border-radius:9px;font-size:14px;font-weight:600;text-decoration:none;border:1.5px solid var(--navy);display:inline-flex;align-items:center;gap:8px;transition:all .2s}
.btn-outline:hover{background:var(--navy);color:var(--white)}

/* FOOTER */
footer{background:var(--navy-dark)}
.footer-top{padding:56px 24px 32px}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:36px}
.f-desc{font-size:13px;color:rgba(255,255,255,.45);line-height:1.7;margin-top:14px;margin-bottom:18px;max-width:270px}
.f-social{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.f-soc-btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:10px 16px;border-radius:10px;
  color:#fff;text-decoration:none;font-size:13px;font-weight:700;
  font-family:'DM Sans',sans-serif;
  transition:all .25s;white-space:nowrap;
  border:none;
}
.f-soc-btn svg{width:18px;height:18px;flex-shrink:0}
/* Always-on brand colors — visible without hover */
.f-soc-btn.yt{background:#ff0000}
.f-soc-btn.yt:hover{background:#cc0000;transform:translateY(-2px);box-shadow:0 6px 16px rgba(255,0,0,.4)}
.f-soc-btn.ig{background:linear-gradient(135deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888)}
.f-soc-btn.ig:hover{opacity:.9;transform:translateY(-2px);box-shadow:0 6px 16px rgba(220,39,67,.4)}
.f-soc-btn.xt{background:#1a1a1a;border:1px solid rgba(255,255,255,.25)}
.f-soc-btn.xt:hover{background:#000;transform:translateY(-2px);box-shadow:0 6px 16px rgba(0,0,0,.5)}
.f-soc-btn.fb{background:#1877f2}
.f-soc-btn.fb:hover{background:#0d65d9;transform:translateY(-2px);box-shadow:0 6px 16px rgba(24,119,242,.4)}
.f-soc-btn.li{background:#0a66c2}
.f-soc-btn.li:hover{background:#084e96;transform:translateY(-2px);box-shadow:0 6px 16px rgba(10,102,194,.4)}
.f-col h4{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.38);margin-bottom:14px}
.f-col ul{list-style:none}
.f-col ul li{margin-bottom:8px}
.f-col ul li a{font-size:13px;color:rgba(255,255,255,.55);text-decoration:none;transition:all .15s}
.f-col ul li a:hover{color:var(--gold);padding-left:4px}
.f-disc-bar{max-width:1200px;margin:28px auto 0;padding:20px 24px;border-top:1px solid rgba(255,255,255,.06);font-size:11.5px;color:rgba(255,255,255,.28);line-height:1.6}
.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding:18px 24px}
.footer-bottom-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;font-size:12px;color:rgba(255,255,255,.3)}
.f-links{display:flex;gap:18px}
.f-links a{color:rgba(255,255,255,.3);text-decoration:none}
.f-links a:hover{color:var(--gold)}

/* BLOG INDEX */
.blog-filter{display:flex;gap:8px;margin-bottom:32px;flex-wrap:wrap}
.filter-btn{padding:7px 16px;border-radius:100px;font-size:13px;font-weight:600;cursor:pointer;border:1.5px solid var(--border);background:var(--white);color:var(--text-muted);transition:all .2s}
.filter-btn.active,.filter-btn:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* CALCULATOR INDEX */
.calc-grid-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.calc-item{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:24px 20px;text-align:center;text-decoration:none;transition:all .25s;position:relative;overflow:hidden}
.calc-item::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--navy);transform:scaleX(0);transition:transform .25s;transform-origin:left}
.calc-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:transparent}
.calc-item:hover::after{transform:scaleX(1)}
.calc-item-icon{font-size:32px;margin-bottom:12px}
.calc-item-name{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:4px}
.calc-item-desc{font-size:12px;color:var(--text-muted)}

/* RESPONSIVE */
@media(max-width:1024px){.grid-3{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}.calc-grid-cards{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}nav{display:none}.hamburger{display:flex}.article-layout{grid-template-columns:1fr}.calc-top{grid-template-columns:1fr}}
@media(max-width:768px){.grid-3{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr}.mega-g{grid-template-columns:1fr}}
@media(max-width:480px){.calc-grid-cards{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}}

/* UTILITIES */
.bg-light{background:var(--bg)}.mt-0{margin-top:0!important}
input[type=range]{height:4px;border-radius:2px}
.disc-pill-sm{display:inline-flex;align-items:center;gap:5px;background:#fff8e1;border:1px solid rgba(201,160,64,.25);color:#7a6010;padding:4px 12px;border-radius:100px;font-size:11.5px;font-weight:500;margin:8px 0 20px}



/* === XLWealth patch: unified blog card color === */
/* Applied as requested so blog card tops use one consistent blue tone like Power of Compounding */
.card-thumb{
  background: linear-gradient(135deg,#2b5ea7 0%,#2f86c7 100%) !important;
}
.card-thumb::after{
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px) !important;
}