:root{
  --navy:#061c38;--navy2:#0a2b57;--navy3:#123f77;--navy4:#1d5795;--gold:#d9aa43;--gold2:#f0cc72;--cream:#f7f3e9;--paper:#fff;--soft:#f6f8fb;--ink:#162033;--muted:#667085;--line:#e4e8ef;--max:1180px;--radius:20px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;left:12px;top:-60px;background:#fff;padding:10px 14px;z-index:9999;border-radius:8px}.skip-link:focus{top:12px}
.site-header{position:sticky;top:0;z-index:100;background:linear-gradient(90deg,#05162b,#06254a);color:#fff;border-bottom:1px solid rgba(255,255,255,.1);box-shadow:0 8px 26px rgba(2,18,38,.14)}.header-inner{height:78px;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center;gap:10px;font-family:Georgia,"Times New Roman",serif;font-size:30px;font-weight:700;white-space:nowrap;letter-spacing:-.02em}.brand img{width:50px;height:50px;object-fit:contain}.main-nav{margin-left:auto;display:flex;align-items:center;gap:29px}.main-nav a{font-weight:700;font-size:14px;position:relative;padding:28px 0}.main-nav a:hover:after,.main-nav a.active:after{content:"";position:absolute;left:0;right:0;bottom:15px;height:2px;background:var(--gold2);border-radius:2px}.header-search{width:285px;height:40px;border:1px solid rgba(255,255,255,.25);border-radius:30px;display:flex;align-items:center;background:rgba(255,255,255,.035)}.header-search input{min-width:0;flex:1;background:transparent;border:0;outline:0;color:#fff;padding:0 14px;font-size:13px}.header-search input::placeholder{color:#b9c3d1}.header-search button{width:44px;border:0;background:transparent;color:#fff;font-size:24px;cursor:pointer}.menu-toggle{display:none;margin-left:auto;background:none;border:0;padding:9px}.menu-toggle span{display:block;width:25px;height:2px;background:#fff;margin:5px 0}.mobile-nav{background:#071a32;border-top:1px solid rgba(255,255,255,.1);padding:20px}.mobile-nav a{display:block;color:#fff;padding:11px 5px;border-bottom:1px solid rgba(255,255,255,.08)}.mobile-nav form{display:flex;margin-top:15px}.mobile-nav input{flex:1;padding:12px;border-radius:8px 0 0 8px;border:0}.mobile-nav button{border:0;background:var(--gold);padding:0 14px;border-radius:0 8px 8px 0;font-weight:800}
.kicker,.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:#b57e18;font-weight:900;font-size:11px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:9px;border:1px solid transparent;background:linear-gradient(180deg,var(--gold2),var(--gold));color:#102039;font-weight:900;font-size:12px;letter-spacing:.02em;padding:13px 20px;cursor:pointer;box-shadow:0 8px 18px rgba(158,107,10,.15);transition:.2s}.btn:hover{transform:translateY(-1px);filter:saturate(1.06)}.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.3);box-shadow:none}.featured-strip{border-bottom:1px solid var(--line);background:#fff}.strip-inner{display:flex;gap:20px;align-items:center;min-height:44px;white-space:nowrap;overflow:auto;font-size:12px}.strip-label{font-weight:900;color:#1f2937}.strip-label:before{content:"★";color:var(--gold);margin-right:8px}.strip-inner a{color:#374151}.strip-inner i{height:15px;border-left:1px solid #d8dce4}
/* Home: editorial reference with a light copy panel and a crisp finance-city image. */
.home-hero{background:radial-gradient(circle at 86% 10%,rgba(29,87,149,.42),transparent 35%),linear-gradient(135deg,#06182f,#0a2e5d);padding:34px 0 38px}.home-hero-shell{display:grid;grid-template-columns:1.04fr .96fr;min-height:480px;border-radius:26px;overflow:hidden;background:var(--cream);box-shadow:0 30px 70px rgba(0,8,25,.26);border:1px solid rgba(255,255,255,.12)}.home-hero-copy{padding:62px 64px;display:flex;flex-direction:column;justify-content:center}.home-hero-copy h1{font:500 clamp(48px,5.3vw,76px)/1.04 Georgia,"Times New Roman",serif;letter-spacing:-.035em;color:#122347;margin:18px 0 25px}.home-hero-copy h1 span{color:#76571f}.home-hero-copy p{font-size:17px;line-height:1.75;color:#536074;max-width:610px;margin:0 0 28px}.home-hero-photo{min-height:480px;position:relative;background:#0b2d56}.home-hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(247,243,233,.08),transparent 22%)}.home-hero-photo img{width:100%;height:100%;object-fit:cover;display:block;filter:none;image-rendering:auto}
/* Shared visual heroes keep every public page from feeling flat. */
.visual-hero{padding:34px 0;background:linear-gradient(135deg,#06172d,#0b3265);color:#fff}.visual-hero-shell{min-height:365px;display:grid;grid-template-columns:1.08fr .92fr;overflow:hidden;border-radius:24px;background:#fff;box-shadow:0 25px 60px rgba(0,11,30,.28)}.visual-hero-copy{background:linear-gradient(145deg,#08244a,#0d3d78);padding:54px 58px;display:flex;flex-direction:column;justify-content:center;position:relative}.visual-hero-copy:after{content:"";position:absolute;right:-70px;bottom:-85px;width:220px;height:220px;border:1px solid rgba(240,204,114,.17);border-radius:50%}.visual-hero .kicker{color:var(--gold2)}.page-title{font:600 clamp(42px,5vw,68px)/1.02 Georgia,"Times New Roman",serif;letter-spacing:-.035em;margin:10px 0 17px}.visual-hero p{max-width:720px;color:#dce7f4;font-size:16px;line-height:1.75;margin:0}.visual-hero-image{background-image:linear-gradient(90deg,rgba(8,36,74,.13),transparent 30%),var(--hero-image);background-size:cover;background-position:center;min-height:365px}.hero-breadcrumbs{color:#cbd8e8;margin:0 0 18px}.hero-breadcrumbs a{color:#fff}.hero-breadcrumbs span{color:#cbd8e8}
.section{padding:54px 0}.section.tight{padding:34px 0}.section.soft{background:linear-gradient(180deg,#f8fafc,#f3f6fa);border-top:1px solid #eef1f5;border-bottom:1px solid #eef1f5}.navy-section{background:radial-gradient(circle at 85% 0,rgba(57,123,190,.22),transparent 34%),linear-gradient(145deg,#06182f,#0a315f);color:#fff}.section-head{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:24px}.section-head h2{font:600 32px/1.1 Georgia,"Times New Roman",serif;letter-spacing:-.02em;margin:3px 0 0}.section-head a{font-size:13px;font-weight:800;color:#34445d}.section-head.light h2{color:#fff}.section-head.light a{color:#e4edf8}.section-head.light .kicker{color:var(--gold2)}
.article-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.articles-page-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article-card{background:#fff;border:1px solid #e3e7ee;border-radius:16px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 10px 28px rgba(4,29,58,.06);transition:.24s}.article-card:hover{transform:translateY(-4px);box-shadow:0 18px 38px rgba(4,29,58,.12)}.card-image{display:block;aspect-ratio:16/9;overflow:hidden;background:#eaf0f6}.card-image img{width:100%;height:100%;object-fit:cover;transition:.35s}.article-card:hover .card-image img{transform:scale(1.035)}.card-body{padding:16px 17px 18px;display:flex;flex:1;flex-direction:column}.card-body h3{font:600 19px/1.25 Georgia,"Times New Roman",serif;margin:6px 0 9px;letter-spacing:-.015em}.card-body p{font-size:13px;line-height:1.58;color:#5e6879;margin:0 0 14px}.card-meta{margin-top:auto;color:#7c8796;font-size:11px}.card-meta span{margin:0 5px}.article-card.compact .card-body p{display:none}.article-card.compact .card-body h3{font-size:17px}.article-card .eyebrow{font-size:9px;line-height:1.4}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 28px}.filter-chip{padding:9px 13px;border-radius:999px;border:1px solid #d9dee6;background:#fff;font-size:12px;font-weight:800}.filter-chip.active,.filter-chip:hover{background:var(--navy);border-color:var(--navy);color:#fff}.pagination{display:flex;justify-content:center;gap:8px;margin:40px 0 0}.pagination a{width:39px;height:39px;border-radius:9px;display:grid;place-items:center;border:1px solid #dbe0e7}.pagination .current{background:var(--navy);color:#fff;border-color:var(--navy)}
/* Category cards: readable without hover, with a visual identity of their own. */
.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.premium-category{min-height:190px;position:relative;overflow:hidden;border-radius:18px;padding:22px;display:flex;flex-direction:column;justify-content:flex-end;color:#fff;border:1px solid rgba(255,255,255,.16);box-shadow:0 14px 30px rgba(0,10,30,.18);background:#0b2b55}.premium-category:before{content:"";position:absolute;inset:0;background-image:linear-gradient(180deg,rgba(4,26,52,.08),rgba(4,22,44,.96)),var(--card-image);background-size:cover;background-position:center;transition:.3s}.premium-category>*{position:relative;z-index:1}.premium-category:hover:before{transform:scale(1.035)}.premium-category .category-icon{width:42px;height:42px;border-radius:12px;margin-bottom:auto;background:rgba(255,255,255,.12);border:1px solid rgba(240,204,114,.6);display:grid;place-items:center;color:var(--gold2);font-size:20px;font-style:normal}.premium-category strong{font:600 25px/1.1 Georgia,serif;margin-top:28px}.premium-category small{color:#d7e3ef;margin-top:5px;font-size:11px}.premium-category em{font-style:normal;font-size:12px;font-weight:800;color:var(--gold2);margin-top:10px}.compact-categories{grid-template-columns:repeat(5,1fr)}.compact-categories .premium-category{min-height:145px}.compact-categories .premium-category strong{font-size:18px;margin-top:auto}
.tools-showcase{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-feature{display:grid;grid-template-rows:185px auto;border-radius:18px;overflow:hidden;background:#fff;border:1px solid #e3e7ee;box-shadow:0 12px 30px rgba(4,29,58,.08);transition:.22s}.tool-feature:hover{transform:translateY(-3px)}.tool-feature img{width:100%;height:185px;object-fit:cover}.tool-feature>div{padding:19px}.tool-feature span,.tool-landing-card span{font-size:10px;text-transform:uppercase;letter-spacing:.11em;font-weight:900;color:#a36e10}.tool-feature h3{font:600 23px/1.12 Georgia,serif;margin:5px 0 8px}.tool-feature p{font-size:13px;color:#667085;margin:0 0 11px}.tool-feature b,.tool-landing-card b{font-size:12px;color:#6f5117}.tools-landing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.tool-landing-card{border-radius:20px;overflow:hidden;border:1px solid #e2e7ee;background:#fff;box-shadow:0 14px 34px rgba(5,28,54,.08);transition:.22s}.tool-landing-card:hover{transform:translateY(-4px)}.tool-landing-card img{width:100%;height:220px;object-fit:cover}.tool-landing-card>div{padding:22px}.tool-landing-card h2{font:600 27px/1.12 Georgia,serif;margin:7px 0 9px}.tool-landing-card p{color:#687386;font-size:14px}.tool-navigation{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 18px;border:1px solid #dfe5ed;background:#fff;border-radius:14px;margin-bottom:24px;box-shadow:0 8px 22px rgba(5,29,58,.04)}.tool-navigation>span{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.1em;color:#8b6420}.tool-navigation>div{display:flex;gap:9px;flex-wrap:wrap}.tool-navigation a{font-size:12px;font-weight:800;padding:8px 11px;border-radius:9px;background:#f3f6fa;color:#435168}.tool-navigation a.active{background:var(--navy);color:#fff}
/* Calculator dashboards mirror the richer legacy visual style while remaining fully functional. */
.tool-page{background:linear-gradient(180deg,#fff,#f4f7fb 50%,#fff)}.calculator-dashboard{border-radius:24px;overflow:hidden;background:linear-gradient(145deg,#092a57,#0b3a78);color:#fff;box-shadow:0 26px 60px rgba(5,33,68,.2);border:1px solid rgba(255,255,255,.12);margin:0 0 34px}.calc-dashboard-head{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:28px 30px 20px;border-bottom:1px solid rgba(255,255,255,.12)}.calc-dashboard-head span{font-size:11px;color:#d9e5f4;text-transform:uppercase;letter-spacing:.12em}.calc-dashboard-head h2{font:600 34px Georgia,serif;margin:4px 0 0}.calc-badge{font-size:11px!important;color:#12284a!important;background:linear-gradient(180deg,#f4d67d,#d6aa45);border-radius:999px;padding:8px 12px;font-weight:900!important;letter-spacing:.04em!important}.calc-dashboard-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:20px;padding:24px}.calc-dashboard-grid.wide{grid-template-columns:1.45fr .75fr}.calc-form-card,.calc-results-card{border:1px solid rgba(255,255,255,.15);border-radius:18px;background:rgba(255,255,255,.07);backdrop-filter:blur(6px);padding:24px}.split-form{display:grid;grid-template-columns:1fr 1fr;gap:26px}.split-form section{min-width:0}.split-form h3{font:600 24px Georgia,serif;margin:0 0 2px}.split-form h3 span{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:10px;background:rgba(240,204,114,.18);border:1px solid rgba(240,204,114,.3);color:var(--gold2);font:900 14px system-ui;margin-right:7px}.split-form section>p{font-size:12px;color:#cbd9e8;margin:0 0 16px}.budget-form{grid-template-columns:1fr 1fr}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}.field label{display:block;font-size:11px;font-weight:850;margin-bottom:5px;color:#dbe6f4}.money-input{display:flex;align-items:center;min-height:43px;border-radius:10px;border:1px solid rgba(255,255,255,.18);background:rgba(3,19,42,.28);overflow:hidden}.money-input span{padding:0 10px;color:var(--gold2);font-weight:900;font-size:12px}.money-input input{min-width:0;flex:1;background:transparent!important;border:0!important;color:#fff!important;padding:10px 4px!important;outline:0!important;box-shadow:none!important}.money-input input::placeholder{color:#9cb0c8}.calc-actions{display:flex;gap:10px;margin-top:18px}.calc-actions.full{grid-column:1/-1}.calc-actions .btn{flex:1}.calc-results-card>span{font-size:10px;text-transform:uppercase;letter-spacing:.13em;font-weight:900;color:#d8e5f5}.calc-results-card>strong{display:block;font:700 48px/1 Georgia,serif;color:#fff;margin:8px 0 4px;word-break:break-word}.calc-results-card>p{font-size:12px;color:#bfd0e3;margin:0 0 20px}.result-stats{display:grid;grid-template-columns:1fr;gap:9px}.result-stats>div{padding:13px 14px;border-radius:12px;border:1px solid rgba(255,255,255,.13);background:rgba(255,255,255,.06)}.result-stats small{display:block;color:#bcd0e6;font-size:10px;margin-bottom:2px}.result-stats b{font-size:16px;color:#fff}.breakdown{margin-top:20px}.breakdown>span,.budget-guideline>strong{font-size:11px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.breakdown-bar{height:10px;border-radius:999px;overflow:hidden;background:#183d68;margin:9px 0;display:flex}.breakdown-bar i{display:block;background:#5d87bf;width:50%}.breakdown-bar b{display:block;background:var(--gold2);width:50%}.breakdown-legend{display:flex;justify-content:space-between;font-size:10px;color:#c8d8e9}.networth-ring,.budget-ring{width:160px;height:160px;margin:24px auto 6px;border-radius:50%;background:conic-gradient(var(--gold2) 0%,rgba(255,255,255,.12) 0);display:grid;place-items:center}.networth-ring:before,.budget-ring:before{content:"";position:absolute}.networth-ring>div,.budget-ring>div{width:118px;height:118px;border-radius:50%;display:grid;place-items:center;text-align:center;background:#082753}.networth-ring b,.budget-ring b{font-size:24px}.networth-ring span,.budget-ring span{font-size:9px;text-transform:uppercase;color:#bcd0e4}.budget-guideline{margin-top:17px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px}.budget-guideline>div{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin-top:8px}.budget-guideline span{font-size:10px;color:#c7d6e7;padding:8px;border-radius:9px;background:rgba(255,255,255,.06)}.budget-guideline b{display:block;color:#fff;font-size:14px}.tool-explainer{display:grid;grid-template-columns:1fr 380px;gap:34px;align-items:center;margin:38px 0;padding:28px;background:linear-gradient(135deg,#f7f1e2,#fff);border:1px solid #eadcb8;border-radius:20px}.tool-explainer h2{font:600 32px Georgia,serif;margin:0 0 12px}.tool-explainer p{color:#586474}.tool-explainer img{width:100%;height:230px;object-fit:cover;border-radius:14px}.faq{margin:42px 0}.faq h2{font:600 32px Georgia,serif}.faq details{border-top:1px solid #dde3eb;padding:16px 0}.faq details:last-child{border-bottom:1px solid #dde3eb}.faq summary{font-weight:850;cursor:pointer}.faq p{color:#5e6979;max-width:860px}
/* Editorial / contact / policy pages always carry imagery. */
.editorial-layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:48px;align-items:start}.prose{max-width:850px}.prose h2{font:600 32px/1.15 Georgia,serif;margin:40px 0 14px;letter-spacing:-.015em}.prose h2:first-child{margin-top:0}.prose h3{font:600 23px Georgia,serif;margin-top:28px}.prose p,.prose li{color:#465266;line-height:1.8}.prose a{color:#78581c;text-decoration:underline;text-underline-offset:3px}.trust-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.trust-links a{font-size:12px;font-weight:850;padding:10px 13px;border:1px solid #dce1e8;border-radius:9px;text-decoration:none;color:#263d60}.editorial-image-stack{position:sticky;top:104px;border-radius:20px;overflow:hidden;background:#092b56;color:#fff;box-shadow:0 18px 40px rgba(5,29,59,.14)}.editorial-image-stack img{width:100%;height:300px;object-fit:cover}.editorial-image-stack div{padding:22px}.editorial-image-stack strong{display:block;font:600 22px Georgia,serif;margin-bottom:7px}.editorial-image-stack span{font-size:13px;color:#d0deec}.author-profile-card{position:sticky;top:104px;text-align:center;padding:28px;border-radius:20px;background:linear-gradient(145deg,#08254b,#0c3971);color:#fff;box-shadow:0 18px 40px rgba(5,29,59,.16)}.author-large{width:100px;height:100px;border-radius:50%;margin:0 auto 15px;display:grid;place-items:center;background:rgba(240,204,114,.13);border:1px solid rgba(240,204,114,.45);color:var(--gold2);font:600 36px Georgia,serif}.author-profile-card h2{font:600 27px Georgia,serif;margin:0}.author-profile-card p{color:#d0deec}.author-profile-card a{font-size:12px;color:var(--gold2);font-weight:800}.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:35px;align-items:start}.contact-intro h2{font:600 35px Georgia,serif}.contact-intro p{color:#5b6778}.contact-email{display:inline-block;margin:5px 0 24px;color:#79591c;font-weight:900;font-size:17px}.contact-intro img{width:100%;height:240px;object-fit:cover;border-radius:18px}.contact-card{background:#fff;border:1px solid #dfe4eb;border-radius:20px;padding:28px;box-shadow:0 18px 40px rgba(4,29,58,.08)}.contact-form{display:grid;gap:14px}.contact-form label{font-size:12px;font-weight:850;color:#35445a}.contact-form input,.contact-form textarea{display:block;width:100%;border:1px solid #cfd6df;border-radius:10px;padding:12px;margin-top:5px}.contact-form textarea{min-height:150px;resize:vertical}.notice{padding:14px 16px;border-radius:10px;background:#eef6ee;color:#244b2d;margin:0 0 20px}.notice.error{background:#fff0f0;color:#7d2525}.policy-prose{padding:28px;border:1px solid #e0e5ec;border-radius:18px;background:#fff;box-shadow:0 12px 28px rgba(4,29,58,.04)}
/* Articles */
.article-top{padding:48px 0 24px;background:linear-gradient(180deg,#f7f4eb,#fff)}.breadcrumbs{display:flex;gap:8px;align-items:center;flex-wrap:wrap;color:#748094;font-size:12px;margin-bottom:18px}.breadcrumbs a:hover{color:#8f671d}.article-category-row{display:flex;gap:8px;flex-wrap:wrap}.article-category-row a{font-size:10px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:#775719;background:#fff4d6;border:1px solid #ead08e;padding:6px 9px;border-radius:999px}.article-title{font:600 clamp(40px,5.2vw,64px)/1.05 Georgia,"Times New Roman",serif;letter-spacing:-.035em;max-width:960px;margin:12px 0 16px}.article-deck{font-size:18px;color:#586579;line-height:1.65;max-width:900px;margin:0 0 18px}.article-byline{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:13px;color:#6a7482}.article-byline a{font-weight:850;color:#25344c}.article-section{padding-top:22px}.article-shell{display:grid;grid-template-columns:minmax(0,790px) 290px;gap:52px;align-items:start}.article-main{min-width:0}.article-cover{border-radius:18px;overflow:hidden;background:#edf1f5;margin:0 0 30px;box-shadow:0 15px 36px rgba(4,29,58,.09)}.article-cover img{display:block;width:100%;max-height:560px;object-fit:cover}.article-content{font:18px/1.84 Georgia,"Times New Roman",serif;color:#253040}.article-content p{margin:0 0 21px}.article-content h2{font:600 33px/1.2 Georgia,serif;margin:46px 0 16px;color:#0c203b}.article-content h3{font:600 24px/1.25 Georgia,serif;margin:34px 0 12px}.article-content ul,.article-content ol{padding-left:25px;margin:0 0 24px}.article-content img{display:block;width:100%;border-radius:14px;margin:30px 0;box-shadow:0 10px 25px rgba(4,29,58,.07)}.article-content a{color:#805d1a;text-decoration:underline;text-underline-offset:3px}.article-content blockquote{border-left:4px solid var(--gold);margin:28px 0;padding:15px 22px;background:#faf6e9}.article-content table{width:100%;border-collapse:collapse;margin:25px 0;font-family:system-ui,sans-serif;font-size:14px}.article-content th,.article-content td{border:1px solid #dfe3ea;padding:10px;text-align:left}.toc{border:1px solid #dfe4ea;background:#f9fbfd;border-radius:14px;padding:0;margin:0 0 28px;overflow:hidden}.toc summary{font-weight:900;cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:16px 18px;list-style:none}.toc summary::-webkit-details-marker{display:none}.toc summary b{font-size:10px;color:#8a631d;text-transform:uppercase;letter-spacing:.08em}.toc[open] summary b{font-size:0}.toc[open] summary b:after{content:"Close";font-size:10px}.toc ol{margin:0;padding:0 40px 18px}.toc li{margin:6px 0;font-size:13px}.toc li.h3{margin-left:14px}.toc a{color:#37475d}.article-aside{position:sticky;top:100px}.aside-card,.aside-related{border:1px solid #e0e4e9;border-radius:16px;background:#fff;margin-bottom:16px;overflow:hidden}.aside-card{padding:19px}.author-aside small,.visual-aside small,.aside-related>span{font-size:9px;font-weight:900;letter-spacing:.1em;color:#9a6c17}.author-mini{display:flex;gap:12px;align-items:center}.author-avatar{width:50px;height:50px;border-radius:50%;background:var(--navy);display:grid;place-items:center;color:var(--gold2);font-family:Georgia,serif;font-weight:700;font-size:17px}.author-mini strong{display:block;font-size:13px}.author-mini p{font-size:11px;color:#697486;margin:3px 0 0}.author-aside>a{display:block;margin-top:12px;font-size:12px;font-weight:850;color:#735417}.visual-aside{min-height:230px;padding:0;position:relative;background-image:linear-gradient(180deg,rgba(3,20,42,.08),rgba(4,25,51,.96)),var(--aside-image);background-size:cover;background-position:center;color:#fff}.visual-aside>div{position:absolute;inset:auto 0 0;padding:20px}.visual-aside small{color:var(--gold2)}.visual-aside h3{font:600 24px Georgia,serif;margin:5px 0}.visual-aside p{font-size:12px;color:#d3e0ed}.visual-aside a{font-size:12px;color:var(--gold2);font-weight:850}.aside-related{display:block}.aside-related img{width:100%;height:145px;object-fit:cover}.aside-related>span,.aside-related>strong{display:block;margin:10px 14px 0}.aside-related>strong{font:600 16px/1.3 Georgia,serif;margin-bottom:15px}.cta-block{border:1px solid #dfc27d;background:linear-gradient(135deg,#fffdf8,#fbf2d9);padding:22px;border-radius:14px;margin:32px 0;display:flex;align-items:center;justify-content:space-between;gap:20px}.cta-block h3{margin:0 0 5px;font:600 21px Georgia,serif}.cta-block p{margin:0;color:#5e6470;font:14px/1.5 system-ui,sans-serif}.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.article-end{border-top:1px solid var(--line);margin-top:42px;padding-top:18px;display:flex;justify-content:space-between;gap:15px;align-items:center;color:#6b7280;font-size:12px}.article-end a{color:#263a58;font-weight:800}
.explore-band{background:#fff}.explore-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.explore-card{display:grid;grid-template-columns:125px 1fr;border:1px solid #dfe4eb;border-radius:16px;overflow:hidden;background:#fff;box-shadow:0 10px 24px rgba(4,29,58,.05)}.explore-card-image{min-height:150px;background-size:cover;background-position:center}.explore-card>div:last-child{padding:18px}.explore-card strong{display:block;font:600 21px Georgia,serif}.explore-card span{display:block;font-size:12px;color:#687386;margin:5px 0 12px}.explore-card b{font-size:11px;color:#79591b}
.ad-wrap{margin:28px 0;text-align:center;min-height:80px;display:flex;flex-direction:column;justify-content:center;background:#fafafa;border:1px dashed #d9dde3;border-radius:8px}.ad-wrap>span{font-size:10px;color:#9aa2ad;text-transform:uppercase;letter-spacing:.08em}.search-box-big{max-width:760px;display:flex;margin:0 auto 30px}.search-box-big input{flex:1;padding:15px;border:1px solid #cbd2dc;border-radius:11px 0 0 11px}.search-box-big button{border:0;background:linear-gradient(180deg,var(--gold2),var(--gold));font-weight:900;padding:0 22px;border-radius:0 11px 11px 0}.empty-state{text-align:center;padding:60px 20px;color:#667085}
.site-footer{background:linear-gradient(90deg,#05152a,#06284f);color:#fff;margin-top:0}.footer-inner{min-height:118px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:35px}.footer-brand{font-size:24px}.footer-brand img{width:42px;height:42px}.site-footer nav{display:flex;justify-content:center;gap:25px;flex-wrap:wrap}.site-footer nav a{font-size:12px;color:#dbe4ee}.copyright{font-size:11px;color:#aab7c6;text-align:right}
@media(max-width:1050px){.header-search{display:none}.home-hero-shell,.visual-hero-shell{grid-template-columns:1fr}.home-hero-photo{height:350px;min-height:0}.visual-hero-image{height:300px;min-height:0}.article-grid{grid-template-columns:repeat(2,1fr)}.articles-page-grid{grid-template-columns:repeat(2,1fr)}.category-grid{grid-template-columns:repeat(2,1fr)}.compact-categories{grid-template-columns:repeat(3,1fr)}.tools-showcase,.tools-landing-grid{grid-template-columns:1fr 1fr}.article-shell{grid-template-columns:minmax(0,1fr)}.article-aside{position:static;display:grid;grid-template-columns:repeat(3,1fr)}.related-grid{grid-template-columns:repeat(2,1fr)}.editorial-layout,.contact-layout{grid-template-columns:1fr}.editorial-image-stack,.author-profile-card{position:static}.editorial-image-stack{display:grid;grid-template-columns:1fr 1fr}.editorial-image-stack img{height:100%;min-height:260px}.calc-dashboard-grid,.calc-dashboard-grid.wide{grid-template-columns:1fr}.calc-results-card{display:grid;grid-template-columns:1fr 1fr;gap:12px}.calc-results-card>span,.calc-results-card>strong,.calc-results-card>p,.breakdown,.budget-guideline{grid-column:1/-1}.networth-ring,.budget-ring{grid-row:2/5;grid-column:2}.tool-explainer{grid-template-columns:1fr 300px}.footer-inner{grid-template-columns:1fr;text-align:center;padding:28px 0}.footer-brand{justify-content:center}.copyright{text-align:center}.explore-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.container{width:min(100% - 26px,var(--max))}.header-inner{height:66px}.brand{font-size:22px}.brand img{width:39px;height:39px}.main-nav,.header-search{display:none}.menu-toggle{display:block}.home-hero{padding:18px 0}.home-hero-copy{padding:38px 26px}.home-hero-copy h1{font-size:45px}.home-hero-copy p{font-size:14px}.home-hero-photo{height:280px}.visual-hero{padding:18px 0}.visual-hero-copy{padding:38px 26px}.page-title{font-size:42px}.visual-hero-image{height:245px}.section{padding:38px 0}.section-head h2{font-size:27px}.article-grid,.articles-page-grid{grid-template-columns:1fr}.home-featured .article-grid .article-card{display:grid;grid-template-columns:115px 1fr}.home-featured .card-image{height:100%;aspect-ratio:auto}.home-featured .card-body p{display:none}.category-grid,.compact-categories{grid-template-columns:1fr 1fr}.premium-category{min-height:165px}.premium-category strong{font-size:21px}.tools-showcase,.tools-landing-grid{grid-template-columns:1fr}.tool-feature{grid-template-rows:180px auto}.tool-navigation{align-items:flex-start;flex-direction:column}.tool-navigation>div{display:grid;width:100%;grid-template-columns:1fr}.calc-dashboard-head{align-items:flex-start;flex-direction:column;padding:22px}.calc-dashboard-head h2{font-size:29px}.calc-dashboard-grid{padding:15px}.calc-form-card,.calc-results-card{padding:18px}.split-form,.budget-form{grid-template-columns:1fr}.calc-grid{grid-template-columns:1fr}.calc-results-card{display:block}.calc-results-card>strong{font-size:40px}.result-stats{grid-template-columns:1fr 1fr}.networth-ring,.budget-ring{margin:22px auto}.tool-explainer{grid-template-columns:1fr;padding:20px}.tool-explainer img{height:200px}.article-top{padding:34px 0 18px}.article-title{font-size:40px}.article-deck{font-size:16px}.article-content{font-size:16px;line-height:1.78}.article-content h2{font-size:28px}.article-aside{grid-template-columns:1fr}.related-grid{grid-template-columns:1fr}.related-grid .article-card{display:grid;grid-template-columns:115px 1fr}.related-grid .card-image{height:100%;aspect-ratio:auto}.related-grid .card-body p{display:none}.article-end{align-items:flex-start;flex-direction:column}.editorial-image-stack{grid-template-columns:1fr}.editorial-image-stack img{height:230px}.contact-card{padding:20px}.explore-grid{grid-template-columns:1fr}.explore-card{grid-template-columns:105px 1fr}.footer-inner{gap:18px}.site-footer nav{gap:15px}}
@media(max-width:430px){.category-grid,.compact-categories{grid-template-columns:1fr}.home-hero-copy h1{font-size:39px}.brand span{font-size:21px}.result-stats{grid-template-columns:1fr}.budget-guideline>div{grid-template-columns:1fr 1fr 1fr}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}}
/* v1.1 calculator refinement: keep each dashboard readable at desktop widths. */
.split-form section .calc-grid{grid-template-columns:1fr}
.split-form .field{min-width:0}
.split-form .money-input{width:100%}
.split-form .field label{line-height:1.35;min-height:15px}
@media(min-width:1500px){.calc-dashboard-grid.wide{grid-template-columns:1.55fr .65fr}.split-form section .calc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* =========================
   Finance Atlas v1.2 visual refinement
   ========================= */
:root{--fa-serif:Georgia,Cambria,"Times New Roman",serif;--fa-sans:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
body{font-family:var(--fa-sans);letter-spacing:-.005em}
h1,h2,h3,.page-title,.article-title,.section-head h2,.tool-feature h3,.tool-landing-card h2,.faq h2,.tool-explainer h2,.calc-dashboard-head h2,.split-form h3,.explore-card strong{font-family:var(--fa-serif)}

/* Header follows the approved editorial mockup. */
.site-header{background:linear-gradient(90deg,#04162c 0%,#06254a 60%,#041b36 100%)}
.header-inner{height:74px;display:grid;grid-template-columns:auto minmax(310px,1fr) auto;align-items:center;gap:24px}
.brand{gap:9px;font-family:var(--fa-serif);font-size:25px;font-weight:700;letter-spacing:-.025em;color:#f3e5bd}
.brand img{width:39px;height:39px}
.main-nav{margin:0;justify-self:center;display:flex;align-items:center;gap:34px}
.main-nav a{font-family:var(--fa-serif);font-weight:600;font-size:15px;letter-spacing:-.01em;padding:26px 0;color:#f7f8fb}
.main-nav a:hover:after,.main-nav a.active:after{bottom:13px;height:2px;background:var(--gold2)}
.header-search{justify-self:end;width:290px}
.header-search input{font-size:12px}

/* Home hero: same structure as the approved reference, with a full-bleed New York image. */
.home-hero{padding:0;background:#061c38}
.home-hero .container{width:min(var(--max),calc(100% - 40px))}
.home-hero-shell{position:relative;display:block;min-height:430px;border-radius:0;overflow:hidden;background:#061c38;box-shadow:none;border:0}
.home-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center center;display:block}
.home-hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(2,20,43,.97) 0%,rgba(3,28,56,.86) 31%,rgba(4,35,69,.35) 54%,rgba(4,35,69,.04) 78%)}
.home-hero-copy{position:relative;z-index:2;min-height:430px;width:min(52%,610px);padding:58px 48px 54px 28px;display:flex;flex-direction:column;justify-content:center}
.home-hero-copy .kicker{color:var(--gold2)}
.home-hero-copy h1{font:600 clamp(46px,4.3vw,66px)/1.03 var(--fa-serif);letter-spacing:-.04em;color:#fff;margin:10px 0 16px;text-shadow:0 2px 15px rgba(0,0,0,.18)}
.home-hero-copy h1 span{color:var(--gold2)}
.home-hero-copy p{font-size:15px;line-height:1.62;color:#edf3fa;max-width:485px;margin:0 0 23px}
.home-hero-copy .btn{align-self:flex-start}

/* Elegant global editorial typography. */
.page-title{font-weight:600;letter-spacing:-.045em}
.section-head h2{font-weight:600;letter-spacing:-.025em}
.article-title{font-weight:600;letter-spacing:-.045em}
.article-content{font-family:var(--fa-serif);color:#283445}
.article-content h2,.article-content h3{letter-spacing:-.02em}

/* Calculator labels, fields and cards: richer, clearer, less template-like. */
.calculator-dashboard{position:relative;background:radial-gradient(circle at 90% 4%,rgba(80,139,210,.24),transparent 32%),linear-gradient(145deg,#061f43,#0b3975 55%,#082a59);box-shadow:0 28px 70px rgba(3,26,59,.26)}
.calculator-dashboard:before{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(120deg,rgba(240,204,114,.06),transparent 28%,transparent 72%,rgba(99,160,230,.07));}
.calc-dashboard-head,.calc-dashboard-grid{position:relative;z-index:1}
.calc-dashboard-head{padding:30px 32px 22px}
.calc-dashboard-head span{font-family:var(--fa-sans);font-weight:800;letter-spacing:.14em;color:#d5e4f4}
.calc-dashboard-head h2{font-size:36px;letter-spacing:-.03em;color:#fff}
.calc-form-card,.calc-results-card{background:linear-gradient(145deg,rgba(255,255,255,.095),rgba(255,255,255,.045));border-color:rgba(244,217,149,.22);box-shadow:inset 0 1px rgba(255,255,255,.06),0 14px 34px rgba(0,12,30,.12)}
.field{padding:2px 0}
.field label{font-family:var(--fa-serif);font-size:13px;font-weight:700;letter-spacing:-.008em;color:#f6ead0;margin:0 0 7px}
.money-input{min-height:48px;border-radius:12px;border-color:rgba(240,204,114,.24);background:rgba(1,16,36,.34);box-shadow:inset 0 1px 0 rgba(255,255,255,.04)}
.money-input:focus-within{border-color:rgba(240,204,114,.72);box-shadow:0 0 0 3px rgba(240,204,114,.10),inset 0 1px 0 rgba(255,255,255,.05)}
.money-input span{color:#f5d47f;font-size:12px}
.money-input input{font-weight:700;font-size:14px;letter-spacing:.01em}
.calc-actions .btn{min-height:47px}
.calc-results-card>span{color:#f5d47f}
.calc-results-card>strong{font-family:var(--fa-serif);letter-spacing:-.04em;color:#fff}
.result-stats>div{border-color:rgba(240,204,114,.16);background:rgba(255,255,255,.065)}
.result-stats small{font-family:var(--fa-serif);font-size:11px;color:#dbe8f6}
.tool-navigation{border-color:#e5d9bd;background:linear-gradient(180deg,#fff,#fbf7ec)}
.tool-navigation>span{font-family:var(--fa-serif);font-size:12px;letter-spacing:.035em;text-transform:none;color:#70511b}
.tool-navigation a{font-family:var(--fa-serif);font-size:13px}

/* More polished cards throughout. */
.tool-feature,.tool-landing-card,.article-card,.explore-card{border-color:#e5dfd2}
.tool-feature h3,.tool-landing-card h2,.explore-card strong{letter-spacing:-.025em}

/* Footer: intentionally minimal, no repeated brand/logo. */
.site-footer{background:linear-gradient(90deg,#04162b,#06294f)}
.footer-inner.footer-links-only{min-height:82px;display:flex;align-items:center;justify-content:center;padding:20px 0}
.footer-links-only nav{display:flex;justify-content:center;align-items:center;gap:34px;flex-wrap:wrap}
.footer-links-only nav a{font-family:var(--fa-serif);font-size:13px;color:#edf2f7;letter-spacing:-.01em}
.footer-links-only nav a:hover{color:var(--gold2)}

@media(max-width:1050px){
  .header-inner{display:flex;height:70px}.main-nav{margin-left:auto;margin-right:auto}.header-search{display:none}
  .home-hero-shell{min-height:390px}.home-hero-copy{width:64%;min-height:390px;padding-left:30px}
}
@media(max-width:760px){
  .header-inner{height:64px}.brand{font-size:21px}.brand img{width:34px;height:34px}.main-nav,.header-search{display:none}
  .home-hero .container{width:100%}.home-hero-shell{min-height:390px}.home-hero-bg{object-position:58% center}.home-hero-shade{background:linear-gradient(90deg,rgba(2,20,43,.96),rgba(2,24,50,.80) 58%,rgba(2,24,50,.22))}.home-hero-copy{width:82%;min-height:390px;padding:42px 22px}.home-hero-copy h1{font-size:42px}.home-hero-copy p{font-size:14px}
  .footer-inner.footer-links-only{min-height:94px}.footer-links-only nav{gap:12px 20px}.footer-links-only nav a{font-size:12px}
}

/* =========================
   Finance Atlas v1.3.0
   Cache-safe page imagery + richer calculator experience
   ========================= */
.tool-page{background:
  radial-gradient(circle at 8% 9%,rgba(217,170,67,.13),transparent 26%),
  radial-gradient(circle at 88% 16%,rgba(29,87,149,.12),transparent 30%),
  linear-gradient(180deg,#ffffff 0%,#f5f8fc 42%,#ffffff 100%)}
.calculator-dashboard{isolation:isolate;border:1px solid rgba(240,204,114,.26);box-shadow:0 34px 84px rgba(3,25,55,.3),0 0 0 1px rgba(255,255,255,.06) inset}
.calculator-dashboard:after{content:"";position:absolute;z-index:0;width:420px;height:420px;border-radius:50%;right:-190px;top:-230px;border:1px solid rgba(240,204,114,.17);box-shadow:0 0 0 42px rgba(240,204,114,.035),0 0 0 86px rgba(240,204,114,.025)}
.calc-dashboard-head{background:linear-gradient(90deg,rgba(255,255,255,.035),rgba(240,204,114,.055));padding:32px 34px 24px}
.calc-dashboard-head h2{font-size:36px;color:#fff;text-shadow:0 2px 14px rgba(0,0,0,.16)}
.calc-badge{box-shadow:0 8px 22px rgba(217,170,67,.22);border:1px solid rgba(255,255,255,.42)}
.calc-dashboard-grid{gap:24px;padding:28px}
.calc-form-card,.calc-results-card{background:linear-gradient(145deg,rgba(255,255,255,.095),rgba(255,255,255,.045));border-color:rgba(255,255,255,.18);box-shadow:0 16px 36px rgba(1,17,38,.12) inset,0 10px 26px rgba(1,15,34,.1)}
.calc-form-card{position:relative}
.calc-form-card:before{content:"";position:absolute;left:22px;right:22px;top:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold2),transparent);opacity:.72}
.field label{font-size:11px;letter-spacing:.025em;color:#f0f5fb;margin-bottom:7px}
.money-input{min-height:47px;border:1px solid rgba(255,255,255,.2);background:linear-gradient(180deg,rgba(3,18,40,.38),rgba(4,26,56,.3));transition:border-color .18s,box-shadow .18s,transform .18s}
.money-input:focus-within{border-color:rgba(240,204,114,.78);box-shadow:0 0 0 3px rgba(240,204,114,.12),0 9px 22px rgba(1,16,35,.12);transform:translateY(-1px)}
.money-input span{min-width:36px;text-align:center;color:#ffe6a2;border-right:1px solid rgba(255,255,255,.09)}
.money-input input{padding:12px 10px!important;font-weight:700;letter-spacing:.01em}
.calc-actions{margin-top:22px}.calc-actions .btn{min-height:46px}.calc-actions .btn.ghost:hover{background:rgba(255,255,255,.07)}
.calc-results-card{position:relative;overflow:hidden;background:radial-gradient(circle at 100% 0,rgba(240,204,114,.16),transparent 35%),linear-gradient(145deg,rgba(2,24,53,.58),rgba(255,255,255,.06))}
.calc-results-card:after{content:"";position:absolute;right:-55px;bottom:-70px;width:190px;height:190px;border-radius:50%;border:1px solid rgba(240,204,114,.16);box-shadow:0 0 0 28px rgba(240,204,114,.025)}
.calc-results-card>*{position:relative;z-index:1}
.calc-results-card>strong{color:#fff5d7;font-size:52px;text-shadow:0 2px 20px rgba(0,0,0,.18)}
.result-stats>div{background:linear-gradient(135deg,rgba(255,255,255,.09),rgba(255,255,255,.045));border-color:rgba(255,255,255,.15);transition:transform .18s,border-color .18s}
.result-stats>div:hover{transform:translateY(-2px);border-color:rgba(240,204,114,.36)}
.result-stats b{color:#fff6d8}
.breakdown-bar{height:12px;box-shadow:0 4px 12px rgba(0,0,0,.15) inset}
.networth-ring,.budget-ring{box-shadow:0 16px 34px rgba(0,0,0,.16),0 0 0 1px rgba(240,204,114,.12);position:relative}
.networth-ring>div,.budget-ring>div{box-shadow:0 0 0 1px rgba(255,255,255,.07) inset}
.tool-explainer{background:linear-gradient(135deg,#fbf6e9 0%,#fff 54%,#f3f7fc 100%);box-shadow:0 18px 42px rgba(7,31,62,.07)}
.tool-explainer img{box-shadow:0 14px 30px rgba(5,30,61,.13)}
@media(max-width:760px){.calc-dashboard-grid{padding:14px}.calc-dashboard-head{padding:23px 20px 18px}.calc-dashboard-head h2{font-size:30px}.calc-results-card>strong{font-size:42px}.money-input{min-height:45px}}

/* =========================
   Finance Atlas v1.4.0
   Full-width hero correction requested by owner
   ========================= */
/* The hero itself fills the horizontal area. We are NOT shrinking the site or
   making the content narrower. Text + image expand together into the former
   empty blue side gutters. */
.home-hero > .container,
.visual-hero > .container{
  width:100%;
  max-width:none;
  margin:0;
  padding-left:0;
  padding-right:0;
}
.home-hero,
.visual-hero{
  padding-left:0;
  padding-right:0;
}
.home-hero-shell,
.visual-hero-shell{
  width:100%;
  max-width:none;
  margin:0;
  border-radius:0;
  box-shadow:none;
  border-left:0;
  border-right:0;
}
/* Preserve the existing hero height and all information. This change is about
   filling the horizontal space, not thinning/reducing the hero. */
.home-hero-shell,
.home-hero-copy{min-height:430px}
.visual-hero-shell,
.visual-hero-image{min-height:365px}
.visual-hero-copy{padding-left:clamp(34px,5vw,86px);padding-right:clamp(34px,5vw,86px)}
.home-hero-copy{padding-left:clamp(34px,5vw,86px)}

/* FEATURED strip intentionally removed in v1.4.0. */
.featured-strip{display:none!important}

@media(max-width:1050px){
  .home-hero-shell,.home-hero-copy{min-height:390px}
  .visual-hero-shell{grid-template-columns:1fr 1fr;min-height:340px}
  .visual-hero-image{height:auto;min-height:340px}
  .visual-hero-copy{padding:38px 34px}
}
@media(max-width:760px){
  .home-hero > .container,.visual-hero > .container{width:100%;max-width:none}
  .home-hero-shell,.home-hero-copy{min-height:390px}
  .visual-hero-shell{grid-template-columns:1fr}
  .visual-hero-image{height:245px;min-height:0}
  .visual-hero-copy{padding:34px 22px}
}

/* Finance Atlas v1.5.0 refinements */
.home-hero{padding:0;background:#061c38}
.home-hero>.container,.visual-hero>.container{width:100%;max-width:none}
.home-hero-shell{min-height:350px;border-radius:0}
.home-hero-bg{object-position:center center}
.home-hero-copy{min-height:350px;width:min(52%,650px);padding:36px clamp(34px,5vw,86px) 34px;justify-content:flex-start}
.home-hero-copy h1{font-size:clamp(44px,4.1vw,61px);margin:8px 0 13px;line-height:1.01}
.home-hero-copy p{font-size:14px;line-height:1.55;max-width:500px;margin-bottom:18px}
.home-hero-copy .btn{padding:12px 19px}
.visual-hero{padding:0}
.visual-hero-shell{min-height:310px;border-radius:0;box-shadow:none;grid-template-columns:1fr 1fr}
.visual-hero-copy{padding:34px clamp(34px,5vw,86px);justify-content:center}
.visual-hero-image{min-height:310px;height:auto}
.page-title{font-size:clamp(40px,4.25vw,60px)}
.visual-hero p{font-size:15px;line-height:1.62}
.premium-category .category-icon{display:none!important}
.premium-category strong{margin-top:auto}

.contributor-home{background:linear-gradient(180deg,#fff,#f6f8fb);padding:42px 0}
.contributor-callout{display:flex;align-items:center;justify-content:space-between;gap:34px;border:1px solid #ded5c4;border-radius:20px;padding:30px 34px;background:linear-gradient(120deg,#fffdf8,#fff 58%,#f4f7fb);box-shadow:0 15px 34px rgba(4,29,58,.07)}
.contributor-callout h2{font:600 31px/1.1 var(--fa-serif);letter-spacing:-.025em;margin:5px 0 9px;color:#0b2343}
.contributor-callout p{max-width:820px;margin:0;color:#5f6b7b;font-size:14px;line-height:1.65}
.contributor-callout .btn{flex:0 0 auto}

.write-section{background:linear-gradient(180deg,#fff,#f5f7fa)}
.write-wrap{max-width:1050px}
.guidelines-card,.community-form,.submission-success,.write-head{background:#fff;border:1px solid #e0e4e9;border-radius:20px;padding:34px;box-shadow:0 15px 38px rgba(5,29,58,.07)}
.write-head{margin-bottom:18px}
.guidelines-card>h2,.submission-success h2,.write-head h2{font:600 36px/1.1 var(--fa-serif);letter-spacing:-.025em;margin:6px 0 15px;color:#0a2344}
.guidelines-card>p,.submission-success p,.write-head p{color:#5f6b7b;line-height:1.75}
.guideline-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:28px 0}
.guideline-grid>div{border:1px solid #e3e7ed;border-radius:16px;padding:22px;background:#fbfcfe}
.guideline-grid h3,.editorial-review-box h3{font:600 23px var(--fa-serif);margin:0 0 12px;color:#102d55}
.guideline-grid ul{margin:0;padding-left:20px;color:#566274;line-height:1.65}
.guideline-grid li{margin:9px 0}
.editorial-review-box{border-left:4px solid var(--gold);background:#fff9e9;padding:20px 22px;border-radius:12px;margin:24px 0}
.editorial-review-box p{margin:0;color:#5d6470;line-height:1.65}
.agree-row{display:flex;gap:11px;align-items:flex-start;margin:20px 0;color:#3f4a59;line-height:1.5}
.agree-row input{margin-top:4px}
.community-form{display:grid;gap:18px}
.community-form label,.community-form legend{font-weight:800;color:#24364e;font-size:13px}
.community-form input,.community-form textarea{display:block;width:100%;margin-top:7px;border:1px solid #ccd4df;border-radius:10px;padding:13px 14px;font:14px/1.5 system-ui,sans-serif;background:#fff;color:#172438}
.community-form textarea{resize:vertical}
.community-form fieldset{border:0;margin:0;padding:0}
.community-form legend span{font-weight:500;color:#7c8796}
.submission-cats{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:9px}
.submission-cats label{display:flex;align-items:center;gap:8px;border:1px solid #dce2e9;padding:10px 12px;border-radius:10px;background:#fafbfd;font-size:12px}
.submission-cats input{width:auto;margin:0}
.submission-note{background:#f5f8fc;border:1px solid #e0e6ee;border-radius:12px;padding:15px;color:#566274;font-size:13px;line-height:1.6}
.submission-success{text-align:left;max-width:820px;margin:0 auto}
.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.community-label{display:inline-block;font-style:normal;font-size:9px;letter-spacing:.08em;text-transform:uppercase;color:#8a621a;background:#fff5d9;border:1px solid #ead59d;border-radius:99px;padding:3px 7px;margin-left:5px;vertical-align:1px}

@media(max-width:1050px){
  .home-hero-shell,.home-hero-copy{min-height:340px}
  .home-hero-copy{width:62%;padding-top:32px}
  .visual-hero-shell{grid-template-columns:1fr 1fr;min-height:300px}
  .visual-hero-image{min-height:300px;height:auto}
  .visual-hero-copy{padding:30px 32px}
  .contributor-callout{align-items:flex-start;flex-direction:column}
}
@media(max-width:760px){
  .home-hero>.container,.visual-hero>.container{width:100%}
  .home-hero-shell,.home-hero-copy{min-height:355px}
  .home-hero-copy{width:88%;padding:31px 22px 28px}
  .home-hero-copy h1{font-size:40px}
  .home-hero-bg{object-position:62% center}
  .visual-hero-shell{grid-template-columns:1fr;min-height:0}
  .visual-hero-copy{padding:30px 22px}
  .visual-hero-image{height:205px;min-height:0}
  .page-title{font-size:39px}
  .contributor-home{padding:30px 0}.contributor-callout{padding:24px}.contributor-callout h2{font-size:28px}
  .guidelines-card,.community-form,.submission-success,.write-head{padding:22px}.guideline-grid{grid-template-columns:1fr}.submission-cats{grid-template-columns:1fr 1fr}
}
@media(max-width:430px){.submission-cats{grid-template-columns:1fr}.home-hero-copy{width:94%}}

/* Finance Atlas v1.6.0 owner-approved refinements */
.visual-hero-copy{z-index:2}
.visual-hero-image{position:relative;margin-left:-1px;background-image:linear-gradient(90deg,#0d3d78 0%,rgba(13,61,120,.93) 3%,rgba(13,61,120,.58) 13%,rgba(13,61,120,.18) 27%,rgba(13,61,120,0) 43%),var(--hero-image);background-size:cover;background-position:center}
.visual-hero-image:before{content:"";position:absolute;inset:0 auto 0 0;width:18%;pointer-events:none;background:linear-gradient(90deg,rgba(13,61,120,.34),transparent)}
.community-form input[type="file"]{padding:11px;background:#fbfcfe}.cover-guidance{display:block;margin-top:8px;color:#667386;font-size:12px;line-height:1.55}
@media(max-width:760px){.visual-hero-image{margin-left:0;background-image:linear-gradient(180deg,rgba(13,61,120,.22),rgba(13,61,120,0) 28%),var(--hero-image)}.visual-hero-image:before{display:none}}

/* =========================
   Finance Atlas v1.7.0
   Owner-approved refinements only. Home remains untouched.
   ========================= */
/* Remove the decorative circle from shared non-home heroes. */
.visual-hero-copy:after{display:none!important;content:none!important}
/* Articles, Tools and Categories only: soften the join between navy copy and the existing image. */
.fa-articles-landing .visual-hero-copy:before,
.fa-tools-landing .visual-hero-copy:before,
.fa-categories-landing .visual-hero-copy:before{
  content:"";position:absolute;z-index:4;top:0;bottom:0;right:-96px;width:150px;pointer-events:none;
  background:linear-gradient(90deg,#0d3d78 0%,rgba(13,61,120,.96) 28%,rgba(13,61,120,.62) 58%,rgba(13,61,120,0) 100%);
}
.fa-articles-landing .visual-hero-image,
.fa-tools-landing .visual-hero-image,
.fa-categories-landing .visual-hero-image{
  margin-left:-42px;padding-left:42px;
  background-image:linear-gradient(90deg,rgba(13,61,120,.96) 0%,rgba(13,61,120,.70) 8%,rgba(13,61,120,.28) 22%,rgba(13,61,120,0) 40%),var(--hero-image);
}
.fa-articles-landing .visual-hero-image:before,
.fa-tools-landing .visual-hero-image:before,
.fa-categories-landing .visual-hero-image:before{display:none!important}

/* Community submission editor and immediate image previews. */
.author-extra-grid{align-items:start}
.upload-preview{display:flex;margin-top:10px;border:1px dashed #cbd5e1;border-radius:12px;background:#f8fafc;color:#6b7280;align-items:center;justify-content:center;overflow:hidden}
.upload-preview img{width:100%;height:100%;object-fit:cover;display:block}
.cover-upload-preview{height:190px;max-width:440px}
.small-preview{width:110px;height:110px;border-radius:50%}
.small-preview img{border-radius:50%}
.submission-editor-field>label{display:flex;align-items:center;justify-content:space-between;gap:16px}
.editor-note{font-weight:500;color:#758195;font-size:12px}
.submission-editor-toolbar{display:flex;flex-wrap:wrap;gap:7px;margin:8px 0 0;padding:9px;border:1px solid #d8dee7;border-bottom:0;border-radius:12px 12px 0 0;background:#f7f9fc}
.submission-editor-toolbar button,.editor-upload-button{border:1px solid #d3dae5;background:#fff;border-radius:8px;padding:7px 10px;color:#24364e;font:700 12px system-ui,sans-serif;cursor:pointer;margin:0!important}
.submission-rich-editor{min-height:470px;border:1px solid #cdd5df;border-radius:0 0 12px 12px;padding:22px;background:#fff;color:#1c2737;outline:none;font:16px/1.78 Georgia,"Times New Roman",serif;overflow-wrap:anywhere}
.submission-rich-editor:empty:before{content:attr(data-placeholder);color:#9aa4b2;pointer-events:none}
.submission-rich-editor h2{font-size:30px;line-height:1.18;margin:32px 0 12px;color:#102d55}
.submission-rich-editor h3{font-size:24px;line-height:1.2;margin:26px 0 10px;color:#193a66}
.submission-rich-editor figure{margin:28px auto;text-align:center;max-width:920px}
.submission-rich-editor figure img{display:block;width:100%;max-height:620px;object-fit:cover;border-radius:14px;box-shadow:0 12px 28px rgba(9,33,65,.10)}
.inline-image-chip{position:relative}
.inline-image-chip button{position:absolute;right:8px;top:8px;border:0;background:rgba(4,22,44,.86);color:#fff;border-radius:999px;padding:6px 9px;cursor:pointer;font-size:11px}
.autosave-status{font-size:12px;color:#708095;padding:8px 0}

/* Public contributor preview before sending. */
.submission-preview-panel{margin-top:8px;border-top:1px solid #e3e8ef;padding-top:24px}
.preview-toolbar{display:flex;justify-content:space-between;align-items:center;gap:18px;margin-bottom:14px}
.preview-toolbar>div:first-child{display:flex;flex-direction:column}
.preview-toolbar span{font-size:12px;color:#738095;font-weight:500}
.preview-device-buttons{display:flex;gap:6px;padding:4px;border-radius:10px;background:#eef2f7}
.preview-device-buttons button{border:0;background:transparent;padding:7px 11px;border-radius:7px;font-weight:800;font-size:11px;color:#536174;cursor:pointer}
.preview-device-buttons button.active{background:#fff;color:#0b2a54;box-shadow:0 2px 8px rgba(3,24,50,.10)}
.submission-preview-canvas{margin:0 auto;background:#fff;border:1px solid #dce2ea;border-radius:14px;overflow:hidden;box-shadow:0 16px 42px rgba(4,27,55,.10);transition:max-width .2s ease}
.submission-preview-canvas.desktop{max-width:1050px}.submission-preview-canvas.mobile{max-width:390px}
.preview-article-top{padding:34px 36px 22px;background:#fff}
.preview-kicker{font-size:10px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:#a16e16;margin-bottom:8px}
.preview-title{font:600 clamp(34px,5vw,56px)/1.04 Georgia,"Times New Roman",serif;color:#0d2343;margin:0 0 12px;letter-spacing:-.03em}
.preview-deck{font-size:16px;line-height:1.65;color:#5c6879;margin:0 0 16px}
.preview-byline{display:flex;align-items:center;gap:10px;flex-wrap:wrap;color:#697689;font-size:12px}
.preview-author-photo{width:36px;height:36px;border-radius:50%;object-fit:cover}
.preview-cover{width:100%;aspect-ratio:16/8.5;object-fit:cover;display:block}
.preview-article-body{padding:32px 36px 38px;font:17px/1.82 Georgia,"Times New Roman",serif;color:#252f3d}
.preview-article-body h2{font-size:30px;color:#102d55;margin:34px 0 12px}.preview-article-body h3{font-size:24px;color:#193a66;margin:28px 0 10px}
.preview-article-body figure{margin:28px 0}.preview-article-body img{max-width:100%;border-radius:12px}
.preview-author-box{margin:0 36px 36px;border-top:1px solid #e4e8ef;padding-top:22px;display:flex;gap:14px;align-items:center}
.preview-author-box img{width:54px;height:54px;border-radius:50%;object-fit:cover}.preview-author-box strong{display:block;color:#102d55}.preview-author-box p{margin:4px 0 0;color:#667386;font-size:13px;line-height:1.5}
.preview-actions{display:flex;justify-content:flex-end;gap:10px;margin-top:16px}.ghost-edit{background:#fff;color:#173457;border-color:#d6dde7;box-shadow:none}
.submission-preview-canvas.mobile .preview-article-top{padding:24px 20px 18px}.submission-preview-canvas.mobile .preview-title{font-size:36px}.submission-preview-canvas.mobile .preview-cover{aspect-ratio:16/10}.submission-preview-canvas.mobile .preview-article-body{padding:24px 20px;font-size:16px}.submission-preview-canvas.mobile .preview-author-box{margin:0 20px 26px}

/* Published community-author treatment. */
.community-author-photo{width:38px;height:38px;border-radius:50%;object-fit:cover;vertical-align:middle;margin-right:8px;box-shadow:0 3px 10px rgba(5,27,54,.12)}
.author-avatar.has-photo{overflow:hidden;padding:0}.author-avatar.has-photo img{width:100%;height:100%;object-fit:cover}
.community-author-box{border-top:1px solid #e3e7ee;margin-top:36px;padding-top:24px;display:flex;align-items:center;gap:14px}
.community-author-box img{width:58px;height:58px;border-radius:50%;object-fit:cover;flex:0 0 auto}.community-author-box strong{display:block;color:#102d55;font-family:var(--fa-serif);font-size:18px}.community-author-box p{margin:3px 0 0;color:#667386;font-size:13px;line-height:1.55}

@media(max-width:760px){
  .fa-articles-landing .visual-hero-copy:before,.fa-tools-landing .visual-hero-copy:before,.fa-categories-landing .visual-hero-copy:before{display:none}
  .fa-articles-landing .visual-hero-image,.fa-tools-landing .visual-hero-image,.fa-categories-landing .visual-hero-image{margin-left:0;padding-left:0;background-image:linear-gradient(180deg,rgba(13,61,120,.38),rgba(13,61,120,0) 28%),var(--hero-image)}
  .author-extra-grid{grid-template-columns:1fr}.submission-rich-editor{min-height:390px;padding:17px}.preview-toolbar{align-items:flex-start;flex-direction:column}.preview-actions{flex-direction:column}.preview-actions .btn{width:100%}.preview-article-top{padding:26px 20px 18px}.preview-title{font-size:37px}.preview-article-body{padding:26px 20px;font-size:16px}.preview-author-box{margin:0 20px 28px}
}


/* =========================
   Finance Atlas v1.7.2
   Exact owner-requested repair only.
   Home remains completely untouched.
   Articles / Tools / Categories keep the SAME images and SAME layout.
   Only the hard join between navy and photo is dissolved.
   ========================= */
.fa-articles-landing .visual-hero-copy,
.fa-tools-landing .visual-hero-copy,
.fa-categories-landing .visual-hero-copy{
  overflow:visible!important;
  z-index:3!important;
}
.fa-articles-landing .visual-hero-copy:before,
.fa-tools-landing .visual-hero-copy:before,
.fa-categories-landing .visual-hero-copy:before{
  content:""!important;
  display:block!important;
  position:absolute!important;
  z-index:6!important;
  top:0!important;
  bottom:0!important;
  right:-190px!important;
  width:250px!important;
  pointer-events:none!important;
  border:0!important;
  border-radius:0!important;
  box-shadow:none!important;
  background:linear-gradient(90deg,
    #0d3d78 0%,
    rgba(13,61,120,.99) 12%,
    rgba(13,61,120,.94) 27%,
    rgba(13,61,120,.78) 43%,
    rgba(13,61,120,.52) 60%,
    rgba(13,61,120,.26) 76%,
    rgba(13,61,120,.08) 90%,
    rgba(13,61,120,0) 100%)!important;
}
.fa-articles-landing .visual-hero-image,
.fa-tools-landing .visual-hero-image,
.fa-categories-landing .visual-hero-image{
  position:relative!important;
  z-index:1!important;
  margin-left:-120px!important;
  width:calc(100% + 120px)!important;
  padding-left:0!important;
  background-image:var(--hero-image)!important;
  background-size:cover!important;
  background-position:center!important;
  border:0!important;
  outline:0!important;
  box-shadow:none!important;
}
.fa-articles-landing .visual-hero-image:before,
.fa-tools-landing .visual-hero-image:before,
.fa-categories-landing .visual-hero-image:before,
.fa-articles-landing .visual-hero-image:after,
.fa-tools-landing .visual-hero-image:after,
.fa-categories-landing .visual-hero-image:after{
  display:none!important;
  content:none!important;
}

/* Community author photo behavior retained exactly as approved. */
.profile-photo-picker{display:flex;align-items:center;gap:16px;margin-top:9px;flex-wrap:wrap}
.profile-photo-picker .small-preview{margin-top:0;flex:0 0 92px;width:92px;height:92px;border-style:solid;background:#fff}
.profile-photo-picker .small-preview img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}
.profile-photo-button{display:inline-flex!important;align-items:center;justify-content:center;width:auto!important;margin:0!important;border:1px solid #ccd4df;border-radius:10px;padding:10px 14px;background:#fff;color:#24364e;font:800 12px system-ui,sans-serif;cursor:pointer}
.profile-photo-button input{position:absolute!important;width:1px!important;height:1px!important;opacity:0!important;pointer-events:none!important}
.default-community-avatar{object-fit:cover;background:#fff}

@media(max-width:1050px){
  .fa-articles-landing .visual-hero-copy:before,
  .fa-tools-landing .visual-hero-copy:before,
  .fa-categories-landing .visual-hero-copy:before{
    right:-135px!important;
    width:185px!important;
  }
  .fa-articles-landing .visual-hero-image,
  .fa-tools-landing .visual-hero-image,
  .fa-categories-landing .visual-hero-image{
    margin-left:-85px!important;
    width:calc(100% + 85px)!important;
  }
}
@media(max-width:760px){
  .fa-articles-landing .visual-hero-copy:before,
  .fa-tools-landing .visual-hero-copy:before,
  .fa-categories-landing .visual-hero-copy:before{
    left:0!important;
    right:0!important;
    top:auto!important;
    bottom:-92px!important;
    width:100%!important;
    height:120px!important;
    background:linear-gradient(180deg,
      #0d3d78 0%,
      rgba(13,61,120,.92) 26%,
      rgba(13,61,120,.58) 54%,
      rgba(13,61,120,.20) 78%,
      rgba(13,61,120,0) 100%)!important;
  }
  .fa-articles-landing .visual-hero-image,
  .fa-tools-landing .visual-hero-image,
  .fa-categories-landing .visual-hero-image{
    margin-left:0!important;
    margin-top:-42px!important;
    width:100%!important;
    background-image:var(--hero-image)!important;
  }
}

/* =========================
   Finance Atlas v1.8.0
   Premium image-card heroes + cleaner institutional pages + visual upload pickers.
   HOME IS INTENTIONALLY UNCHANGED.
   ========================= */
.visual-hero{
  padding:24px 0 30px!important;
  background:
    radial-gradient(circle at 78% 22%,rgba(35,99,190,.18),transparent 34%),
    linear-gradient(135deg,#061a36 0%,#0a2c5a 48%,#0b3971 100%)!important;
}
.visual-hero>.container{width:min(100% - 42px,1460px)!important;max-width:1460px!important;margin-inline:auto!important}
.visual-hero-shell{
  min-height:360px!important;
  display:grid!important;
  grid-template-columns:minmax(0,.88fr) minmax(460px,1.12fr)!important;
  align-items:center!important;
  gap:clamp(28px,4vw,66px)!important;
  padding:clamp(26px,3vw,48px)!important;
  border:1px solid rgba(228,184,91,.12)!important;
  border-radius:30px!important;
  overflow:hidden!important;
  background:linear-gradient(145deg,rgba(5,28,58,.72),rgba(10,48,92,.38))!important;
  box-shadow:0 24px 64px rgba(0,8,27,.22)!important;
}
.visual-hero-copy{
  min-height:0!important;
  padding:0!important;
  z-index:2!important;
  overflow:visible!important;
}
.visual-hero-copy:before,.visual-hero-copy:after{display:none!important;content:none!important}
.visual-hero-image{
  position:relative!important;
  width:100%!important;
  min-height:300px!important;
  height:clamp(300px,26vw,390px)!important;
  margin:0!important;
  padding:0!important;
  border-radius:26px!important;
  border:1px solid rgba(235,194,103,.55)!important;
  overflow:hidden!important;
  background-image:var(--hero-image)!important;
  background-size:cover!important;
  background-position:center!important;
  box-shadow:0 22px 54px rgba(0,10,31,.38),inset 0 0 0 1px rgba(255,255,255,.05)!important;
  outline:0!important;
  isolation:isolate!important;
}
.visual-hero-image:before{
  content:""!important;
  display:block!important;
  position:absolute!important;
  inset:0!important;
  background:linear-gradient(90deg,rgba(4,28,59,.14),transparent 30%,transparent 78%,rgba(5,23,47,.08))!important;
  pointer-events:none!important;
}
.visual-hero-image:after{display:none!important;content:none!important}

/* Institutional pages use one hero image only. Secondary duplicate images are removed in markup. */
.institutional-content{padding-top:54px}
.institutional-prose{max-width:900px;margin:0 auto}
.institutional-prose h2{text-wrap:balance}
.contact-intro>img{display:none!important}

/* Clean, graphic-free file pickers. */
.visually-hidden-file{
  position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;
  overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important;opacity:0!important;
}
.profile-photo-picker{display:block;margin-top:10px}
.author-photo-tile{display:inline-block;cursor:pointer;border-radius:50%}
.profile-photo-picker .small-preview{
  width:104px!important;height:104px!important;margin:0!important;border-radius:50%!important;border:1px solid #d8dee8!important;
  background:#fff!important;box-shadow:0 8px 22px rgba(15,42,77,.08)!important;
}
.profile-photo-picker .small-preview img{width:100%!important;height:100%!important;object-fit:cover!important;border-radius:50%!important}
.image-upload-label{display:block;font-weight:800;color:#18365f;margin:2px 0 10px}
.image-upload-label small{font-weight:600;color:#7b8798}
.article-image-upload-block{margin:12px 0 14px}
.image-upload-tile{
  display:flex;width:164px;height:126px;align-items:center;justify-content:center;overflow:hidden;cursor:pointer;
  border:1px solid #d9e0e9;border-radius:18px;background:#fbfcfe;box-shadow:0 10px 26px rgba(8,34,68,.06);transition:.18s ease;
}
.image-upload-tile:hover{transform:translateY(-1px);border-color:#c7a356;box-shadow:0 12px 28px rgba(8,34,68,.10)}
.image-upload-tile>img,.image-upload-tile .upload-preview,.image-upload-tile .upload-preview img{width:100%;height:100%;object-fit:cover;display:block}
.cover-upload-field{display:block!important}
.cover-image-tile{width:min(100%,360px);height:220px;margin-top:10px}
.cover-upload-preview{width:100%!important;max-width:none!important;height:100%!important;margin:0!important;border:0!important;border-radius:0!important;background:#fff!important}
.cover-upload-preview img{width:100%!important;height:100%!important;object-fit:cover!important}

@media(max-width:980px){
  .visual-hero>.container{width:min(100% - 28px,1460px)!important}
  .visual-hero-shell{grid-template-columns:1fr 1.05fr!important;gap:28px!important;padding:30px!important}
  .visual-hero-image{min-height:280px!important;height:320px!important}
}
@media(max-width:760px){
  .visual-hero{padding:14px 0 20px!important}
  .visual-hero>.container{width:min(100% - 20px,1460px)!important}
  .visual-hero-shell{grid-template-columns:1fr!important;gap:20px!important;padding:24px 20px!important;border-radius:22px!important}
  .visual-hero-copy{padding:0!important}
  .visual-hero-image{min-height:0!important;height:230px!important;border-radius:19px!important;margin:0!important;width:100%!important;background-image:var(--hero-image)!important}
  .image-upload-tile{width:150px;height:116px}.cover-image-tile{width:100%;height:190px}
}
/* Override the older 1.7.x seam treatment on the three landing pages. */
.fa-articles-landing .visual-hero-copy:before,
.fa-tools-landing .visual-hero-copy:before,
.fa-categories-landing .visual-hero-copy:before{display:none!important;content:none!important}
.fa-articles-landing .visual-hero-image,
.fa-tools-landing .visual-hero-image,
.fa-categories-landing .visual-hero-image{
  width:100%!important;margin:0!important;padding:0!important;
  min-height:300px!important;height:clamp(300px,26vw,390px)!important;
  border-radius:26px!important;border:1px solid rgba(235,194,103,.55)!important;
  background-image:var(--hero-image)!important;background-size:cover!important;background-position:center!important;
  box-shadow:0 22px 54px rgba(0,10,31,.38),inset 0 0 0 1px rgba(255,255,255,.05)!important;
}
.fa-articles-landing .visual-hero-image:before,
.fa-tools-landing .visual-hero-image:before,
.fa-categories-landing .visual-hero-image:before{
  content:""!important;display:block!important;position:absolute!important;inset:0!important;
  background:linear-gradient(90deg,rgba(4,28,59,.14),transparent 30%,transparent 78%,rgba(5,23,47,.08))!important;
}
@media(max-width:760px){
  .fa-articles-landing .visual-hero-image,.fa-tools-landing .visual-hero-image,.fa-categories-landing .visual-hero-image{
    width:100%!important;margin:0!important;height:230px!important;min-height:0!important;border-radius:19px!important;background-image:var(--hero-image)!important;
  }
}
.field-label{display:block;font-weight:800;color:#24364e;margin-bottom:8px}.field-label>span{font-weight:600;color:#7a8798}
.form-field{display:block}

/* =========================
   Finance Atlas v1.8.2
   Requested correction: non-home hero copy must sit naturally inside the premium
   outer card, never inside a second blue rectangle. Institutional hero images are
   shown as complete photo cards without a blue split/gradient overlay.
   HOME IS UNCHANGED.
   ========================= */
.visual-hero-copy{
  background:transparent!important;
  background-image:none!important;
  border:0!important;
  box-shadow:none!important;
  border-radius:0!important;
}
.visual-hero-copy .kicker,
.visual-hero-copy .page-title,
.visual-hero-copy p{
  position:relative!important;
  z-index:2!important;
}
.visual-hero-image:before,
.visual-hero-image:after{
  display:none!important;
  content:none!important;
  background:none!important;
}

/* Author avatar display + click-to-preview. Keep profile photos circular and proportional. */
.author-avatar{
  flex:0 0 50px;
  min-width:50px;
  min-height:50px;
  width:50px;
  height:50px;
  aspect-ratio:1 / 1;
  overflow:hidden;
}
.author-avatar.has-photo img{
  display:block;
  width:100%!important;
  height:100%!important;
  min-width:100%;
  min-height:100%;
  object-fit:cover!important;
  object-position:center center;
  border-radius:50%;
}
.author-avatar.has-photo img,
.community-author-photo,
.community-author-box img{
  cursor:zoom-in;
}
.fa-author-photo-lightbox{
  position:fixed;
  inset:0;
  z-index:10000;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:24px;
  background:rgba(3,16,34,.72);
  backdrop-filter:blur(5px);
  -webkit-backdrop-filter:blur(5px);
}
.fa-author-photo-lightbox[hidden]{display:none!important}
.fa-author-photo-dialog{
  position:relative;
  width:min(420px,88vw);
  max-height:82vh;
  padding:10px;
  border-radius:24px;
  background:#fff;
  box-shadow:0 28px 80px rgba(0,0,0,.34);
}
.fa-author-photo-dialog img{
  display:block;
  width:100%;
  max-height:72vh;
  aspect-ratio:1 / 1;
  object-fit:cover;
  object-position:center center;
  border-radius:18px;
}
.fa-author-photo-close{
  position:absolute;
  top:-12px;
  right:-12px;
  width:38px;
  height:38px;
  border:0;
  border-radius:50%;
  background:#fff;
  color:#102d55;
  box-shadow:0 8px 24px rgba(0,0,0,.24);
  font:700 24px/1 system-ui,sans-serif;
  cursor:pointer;
}
@media(max-width:560px){
  .fa-author-photo-lightbox{padding:18px}
  .fa-author-photo-dialog{width:min(360px,90vw);border-radius:20px}
  .fa-author-photo-dialog img{border-radius:15px}
}

/* Author photo positioning editor + saved crop rendering. */
.fa-author-crop-img{object-fit:cover!important;object-position:var(--fa-author-x,50%) var(--fa-author-y,50%)!important;transform:scale(var(--fa-author-zoom,1));transform-origin:var(--fa-author-x,50%) var(--fa-author-y,50%);will-change:transform,object-position}
.profile-photo-picker .small-preview{overflow:hidden!important}
.author-crop-editor{margin-top:14px;padding:15px;border:1px solid #dce3ec;border-radius:16px;background:#f8fafc;max-width:330px}
.author-crop-editor[hidden]{display:none!important}
.author-crop-stage{width:190px;height:190px;margin:0 auto 12px;border-radius:50%;overflow:hidden;position:relative;background:#e9eef5;box-shadow:inset 0 0 0 1px rgba(14,42,77,.12),0 12px 28px rgba(7,31,64,.10);cursor:grab;touch-action:none;user-select:none}
.author-crop-stage.is-dragging{cursor:grabbing}
.author-crop-stage img{display:block;width:100%!important;height:100%!important;border-radius:0!important;pointer-events:none}
.author-crop-help{margin:0 0 12px;color:#667489;font-size:12px;line-height:1.5;text-align:center}
.author-crop-zoom-label{display:grid;grid-template-columns:auto 1fr;gap:10px;align-items:center;color:#213a5d;font-size:12px;font-weight:850;margin-bottom:11px}
.author-crop-zoom-label input[type=range]{width:100%;accent-color:#9b7427}
.author-crop-reset{display:block;width:100%;border:1px solid #ccd5e0;border-radius:10px;background:#fff;color:#203a5e;padding:9px 12px;font:800 11px system-ui,sans-serif;cursor:pointer}
.author-crop-reset:hover{border-color:#b58a36}
.fa-author-photo-frame,.preview-author-photo-frame,.preview-author-box-photo{display:inline-block;position:relative;overflow:hidden;border-radius:50%;flex:0 0 auto;vertical-align:middle;background:#eef2f6}
.fa-author-photo-frame--byline{width:38px;height:38px;margin-right:8px}
.fa-author-photo-frame--box{width:58px;height:58px}
.fa-author-photo-frame img,.preview-author-photo-frame img,.preview-author-box-photo img{display:block;width:100%!important;height:100%!important;max-width:none!important;max-height:none!important;margin:0!important;border-radius:0!important}
.fa-author-photo-frame .community-author-photo{width:100%!important;height:100%!important;margin:0!important;box-shadow:none!important}
.community-author-box .fa-author-photo-frame{width:58px;height:58px;flex:0 0 58px}
.community-author-box .fa-author-photo-frame img{width:100%!important;height:100%!important}
.preview-author-photo-frame{width:36px;height:36px}
.preview-author-photo-frame .preview-author-photo{width:100%!important;height:100%!important}
.preview-author-box-photo{width:54px;height:54px;flex:0 0 54px}
.preview-author-box .preview-author-box-photo img{width:100%!important;height:100%!important}
.author-avatar.has-photo .fa-author-crop-img{width:100%!important;height:100%!important;border-radius:0!important}
@media(max-width:560px){.author-crop-editor{max-width:100%}.author-crop-stage{width:170px;height:170px}}


/* Author photo submission quality + requirement (v1.8.3 HD preview follow-up). */
.profile-photo-picker .small-preview .fa-author-sharp-thumb,
.author-photo-admin-preview .fa-author-sharp-thumb{
  display:block!important;
  width:100%!important;
  height:100%!important;
  max-width:none!important;
  max-height:none!important;
  object-fit:cover!important;
  border-radius:50%!important;
  transform:none!important;
  image-rendering:auto!important;
}
.author-photo-required-note{
  flex:1 1 260px;
  margin:0;
  color:#5e6b7d;
  font-size:12px;
  line-height:1.55;
}
.author-photo-required-note strong{color:#102d55}

/* Keep the tiny author picker crisp: the image source is a 1024px lossless crop; never upscale a CSS-sized bitmap. */
.profile-photo-picker .small-preview{contain:paint!important}
.profile-photo-picker .small-preview .fa-author-sharp-thumb{backface-visibility:hidden!important;-webkit-font-smoothing:antialiased!important}