/* Money Arena - main stylesheet */

:root {
  --plum: #3A0F4F;
  --plum-dark: #24102F;
  --plum-mid: #5B1675;
  --berry: #A3195B;
  --pink: #E8457F;
  --sun: #FFD93B;
  --ground: #FAF7FC;
  --card: #FFFFFF;
  --ink: #24102F;
  --muted: #5E4A6A;
  --line: #E2D4EA;
  --soft-pink: #F7DCEA;
  --soft-sun: #FFF1B8;
  --soft-plum: #E6DAF2;
  --good: #1E7A4C;
  --radius: 24px;
  --wrap: 1240px;
  --font: 'Plus Jakarta Sans', system-ui, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--ground);
}

img { max-width: 100%; height: auto; }

a { color: var(--plum); text-underline-offset: 3px; }
a:hover { color: var(--berry); }

h1, h2, h3 { line-height: 1.15; margin: 0 0 16px; letter-spacing: -0.5px; }
h2 { font-size: clamp(28px, 4vw, 44px); font-weight: 800; letter-spacing: -1px; }
h3 { font-size: 21px; font-weight: 800; }
p { margin: 0 0 16px; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.section { padding-top: 56px; padding-bottom: 24px; }
.section-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 12px; margin-bottom: 24px; }
.section-head h2 { margin: 0; }
.section-sub { color: var(--muted); font-size: 18px; margin-top: -8px; }
.muted { color: var(--muted); }
.small { font-size: 14px; }
.center { text-align: center; }

.skip-link { position: absolute; left: -9999px; top: 8px; background: var(--sun); color: var(--ink); padding: 8px 16px; z-index: 100; }
.skip-link:focus { left: 8px; }

:focus-visible { outline: 3px solid var(--pink); outline-offset: 2px; }

/* Buttons */
.btn {
  display: inline-block;
  font: inherit;
  font-weight: 800;
  text-decoration: none;
  text-align: center;
  padding: 16px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  min-height: 44px;
}
.btn-sun { background: var(--sun); color: var(--ink); }
.btn-sun:hover { background: #FFE46E; color: var(--ink); }
.btn-plum { background: var(--plum); color: #FFFFFF; }
.btn-plum:hover { background: var(--plum-mid); color: #FFFFFF; }
.btn-ghost { border-color: #FFFFFF; color: #FFFFFF; background: transparent; }
.btn-ghost:hover { background: #FFFFFF; color: var(--plum); }
.btn-outline { border-color: var(--plum); color: var(--plum); background: transparent; }
.btn-outline:hover { background: var(--plum); color: #FFFFFF; }
.btn-small { padding: 10px 20px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* Header */
.site-header { background: var(--plum); color: #FFFFFF; }
.header-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; padding-top: 18px; padding-bottom: 18px; }
.logo { display: flex; align-items: center; gap: 12px; color: #FFFFFF; text-decoration: none; font-weight: 800; font-size: 28px; letter-spacing: -0.5px; }
.logo:hover { color: #FFFFFF; }
.site-nav { display: flex; flex-wrap: wrap; align-items: center; gap: 24px; }
.site-nav a { color: #FFFFFF; text-decoration: none; font-weight: 500; }
.site-nav a:hover, .site-nav a[aria-current='page'] { color: var(--sun); }
.site-nav a.btn { color: var(--ink); }
.site-nav a.btn:hover { color: var(--ink); }
.nav-toggle { display: none; font: inherit; font-weight: 700; background: transparent; color: #FFFFFF; border: 2px solid #FFFFFF; border-radius: 999px; padding: 8px 18px; cursor: pointer; min-height: 44px; }

.notice-bar { background: var(--sun); color: var(--ink); }
.notice-bar p { margin: 0; padding-top: 12px; padding-bottom: 12px; text-align: center; }
.notice-bar a { color: var(--ink); font-weight: 700; }

.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 16px 0 0; font-size: 14px; }
.breadcrumbs li + li::before { content: '/'; margin-right: 8px; color: var(--muted); }

/* Hero */
.hero, .page-hero { background: linear-gradient(120deg, var(--berry) 0%, var(--plum-mid) 55%, var(--plum) 100%); color: #FFFFFF; }
.hero-inner { display: flex; flex-wrap: wrap; gap: 48px; align-items: center; padding-top: 72px; padding-bottom: 88px; }
.hero-text { flex: 999 1 540px; min-width: 0; }
.hero-welcome { font-size: 24px; font-weight: 500; margin-bottom: 16px; }
.hero h1 { font-size: clamp(48px, 8vw, 88px); line-height: 0.95; letter-spacing: -2px; font-weight: 800; text-transform: uppercase; margin-bottom: 28px; }
.page-hero { margin-top: 0; }
.page-hero .wrap { padding-top: 48px; padding-bottom: 60px; }
.page-hero h1 { font-size: clamp(40px, 6vw, 68px); line-height: 0.98; letter-spacing: -1.5px; font-weight: 800; text-transform: uppercase; }
.sun { color: var(--sun); }
.lead { font-size: 20px; max-width: 620px; color: #F1DDEB; }
.eyebrow { font-weight: 800; letter-spacing: 1px; text-transform: uppercase; font-size: 14px; color: var(--sun); margin-bottom: 10px; }
.breadcrumbs + .page-hero { margin-top: 16px; }

/* Cards and grids */
.grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid-small { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
.card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 2px 0 #EADDF1;
  display: flex;
  flex-direction: column;
  gap: 8px;
  color: var(--ink);
  text-decoration: none;
}
a.card:hover { color: var(--ink); box-shadow: 0 0 0 2px var(--pink); }
.card h3 { margin: 0; }
.card p { margin: 0; color: var(--muted); }
.card .more { margin-top: auto; padding-top: 8px; font-weight: 700; color: var(--plum); }
.chip { width: 44px; height: 44px; border-radius: 14px; background: var(--soft-pink); }
.chip-sun { background: var(--soft-sun); }
.chip-plum { background: var(--soft-plum); }

.guide-card { border-radius: var(--radius); overflow: hidden; background: var(--card); box-shadow: 0 2px 0 #EADDF1; display: flex; flex-direction: column; }
.guide-top { height: 140px; padding: 20px; display: flex; flex-direction: column; justify-content: space-between; color: #FFFFFF; background: var(--plum); }
.guide-top.t-berry { background: var(--berry); }
.guide-top.t-mid { background: var(--plum-mid); }
.tag { align-self: flex-start; background: var(--sun); color: var(--ink); font-size: 13px; font-weight: 800; padding: 4px 10px; border-radius: 8px; }
.guide-cat { font-size: 14px; font-weight: 700; }
.guide-body { padding: 20px; display: flex; flex-direction: column; gap: 8px; flex-grow: 1; }
.guide-body h3 { margin: 0; font-size: 20px; }
.guide-body p { margin: 0; color: var(--muted); flex-grow: 1; }

.filters { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 24px; }
.filter-btn { font: inherit; font-weight: 700; padding: 10px 18px; border-radius: 999px; cursor: pointer; background: #FFFFFF; color: var(--plum); border: 2px solid var(--line); min-height: 44px; }
.filter-btn[aria-pressed='true'] { background: var(--plum); color: #FFFFFF; border-color: var(--plum); }
.is-hidden { display: none !important; }

/* Promise strip */
.promise { background: #FFFFFF; border-bottom: 1px solid var(--line); }
.promise .grid { padding-top: 24px; padding-bottom: 24px; }
.promise strong { display: block; font-size: 18px; }
.promise span { color: var(--muted); }

/* Topic tiles */
.topic { background: var(--plum); color: #FFFFFF; border-radius: var(--radius); padding: 26px; text-decoration: none; display: flex; flex-direction: column; gap: 6px; min-height: 170px; }
.topic:hover { color: #FFFFFF; background: var(--plum-mid); }
.topic.t-berry { background: var(--berry); }
.topic.t-berry:hover { background: #8A1450; }
.topic h3 { margin: 0; font-size: 22px; }
.topic p { margin: 0; color: #F1DDEB; }

/* CTA band */
.cta-band { background: var(--sun); border-radius: 32px; padding: 52px 48px; display: flex; flex-wrap: wrap; gap: 28px; align-items: center; justify-content: space-between; }
.cta-text { flex: 999 1 460px; min-width: 0; }
.cta-text h2 { text-transform: uppercase; line-height: 1; }
.cta-text p { margin: 0; font-size: 19px; }

/* Forms */
.form-card { background: #FFFFFF; border-radius: 28px; padding: 30px; display: flex; flex-direction: column; gap: 10px; color: var(--ink); }
.form-card h2 { font-size: 28px; margin: 0; }
.form-card p { margin: 0; }
.form-dark { background: var(--plum); color: #FFFFFF; }
.form-dark p { color: #E5D3EE; }
.form-dark a { color: var(--sun); }
label { font-weight: 700; font-size: 15px; }
input, select, textarea {
  font: inherit;
  padding: 13px 16px;
  border: 2px solid var(--line);
  border-radius: 14px;
  background: #FFFFFF;
  color: var(--ink);
  width: 100%;
  min-height: 48px;
}
input:focus, select:focus, textarea:focus { border-color: var(--plum); outline: none; box-shadow: 0 0 0 3px var(--soft-plum); }
.form-dark input { border-color: transparent; }
label.check { display: block; position: relative; padding-left: 32px; font-weight: 400; font-size: 14px; }
label.check input { position: absolute; left: 0; top: 2px; width: 20px; min-height: 20px; height: 20px; }
.hp { position: absolute; left: -9999px; }
.form-grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.field { display: flex; flex-direction: column; gap: 6px; }
.hint { font-size: 14px; color: var(--muted); font-weight: 400; }

/* Calculators */
.calc-layout { display: flex; flex-wrap: wrap; gap: 32px; align-items: flex-start; }
.calc-form { flex: 1 1 380px; }
.calc-form .form-grid { grid-template-columns: 1fr; }
.form-card .eyebrow { color: var(--berry); }
.form-dark .eyebrow { color: var(--sun); }
.calc-result { flex: 1 1 360px; background: var(--plum); color: #FFFFFF; border-radius: 28px; padding: 32px; position: sticky; top: 16px; }
.calc-result h2 { font-size: 22px; color: var(--sun); margin-bottom: 8px; }
.result-big { font-size: clamp(36px, 5vw, 52px); font-weight: 800; letter-spacing: -1px; line-height: 1.1; margin-bottom: 8px; }
.result-lines { list-style: none; padding: 0; margin: 16px 0; border-top: 1px solid rgba(255, 255, 255, 0.2); }
.result-lines li { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.2); }
.result-note { font-size: 14px; color: #E5D3EE; }
.calc-result .btn { margin-top: 12px; width: 100%; }

/* Cover Checker */
.cc-card { max-width: 760px; margin: 0 auto; }
.cc-progress { color: var(--berry); font-weight: 800; font-size: 14px; text-transform: uppercase; letter-spacing: 1px; }
.cc-question { font-size: clamp(24px, 3vw, 32px); margin-bottom: 18px; }
.cc-question:focus { outline: none; }
.cc-options { display: grid; gap: 12px; margin-bottom: 18px; }
.cc-option { font: inherit; font-weight: 700; text-align: left; padding: 16px 20px; border-radius: 16px; border: 2px solid var(--line); background: #FFFFFF; color: var(--ink); cursor: pointer; min-height: 52px; }
.cc-option:hover, .cc-option[aria-pressed='true'] { border-color: var(--plum); background: var(--soft-plum); }
.cc-review { max-width: 760px; margin: 0 auto; }
.cc-review textarea { background: #F4EEF8; }
#cc-results h2:focus { outline: none; }

/* Four-column grid that stays tidy: fill spare spaces with CTA cards */
.grid-4 { display: grid; gap: 18px; grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 1100px) { .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .grid-4 { grid-template-columns: 1fr; } }

/* Feature cards */
.feature-card { background: var(--card); border-radius: var(--radius); overflow: hidden; box-shadow: 0 2px 0 #EADDF1; display: flex; flex-direction: column; transition: transform 0.15s ease, box-shadow 0.15s ease; }
.feature-card:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(58, 15, 79, 0.12); }
.feature-top { background: var(--plum); color: #FFFFFF; padding: 22px 24px 20px; display: flex; flex-direction: column; gap: 10px; min-height: 118px; justify-content: flex-end; }
.feature-top.t-berry { background: var(--berry); }
.feature-top.t-mid { background: var(--plum-mid); }
.feature-top h3 { margin: 0; font-size: 21px; color: #FFFFFF; }
.feature-body { padding: 20px 24px 24px; display: flex; flex-direction: column; gap: 16px; flex-grow: 1; }
.feature-body p { margin: 0; color: var(--muted); flex-grow: 1; }
.card-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: 15px; text-decoration: none; padding: 9px 16px; border-radius: 999px; background: var(--soft-plum); color: var(--plum); min-height: 40px; }
.pill::after { content: '\2192'; }
.pill:hover { background: var(--plum); color: #FFFFFF; }
.pill-solid { background: var(--sun); color: var(--ink); }
.pill-solid:hover { background: var(--plum); color: #FFFFFF; }

/* CTA cards */
.card-cta { border-radius: var(--radius); padding: 26px; display: flex; flex-direction: column; gap: 10px; text-decoration: none; min-height: 100%; transition: transform 0.15s ease; }
.card-cta:hover { transform: translateY(-3px); }
.card-cta h3 { margin: 0; font-size: 24px; text-transform: uppercase; line-height: 1.05; }
.card-cta p { margin: 0; flex-grow: 1; }
.cta-sun { background: var(--sun); color: var(--ink); }
.cta-sun:hover { color: var(--ink); }
.cta-plum { background: linear-gradient(135deg, var(--berry) 0%, var(--plum) 100%); color: #FFFFFF; }
.cta-plum:hover { color: #FFFFFF; }
.cta-plum p { color: #F1DDEB; }
.pill-arrow { align-self: flex-start; font-weight: 800; padding: 10px 18px; border-radius: 999px; background: var(--plum); color: #FFFFFF; }
.pill-arrow::after { content: ' \2192'; }
.cta-plum .pill-arrow { background: var(--sun); color: var(--ink); }

/* Search */
.nav-search { display: inline-flex; align-items: center; gap: 6px; color: #FFFFFF; text-decoration: none; font-weight: 500; }
.nav-search:hover { color: var(--sun); }
.search-box { max-width: 860px; margin: 0 auto; }
.search-box { --pagefind-ui-primary: #3A0F4F; --pagefind-ui-text: #24102F; --pagefind-ui-background: #FFFFFF; --pagefind-ui-border: #E2D4EA; --pagefind-ui-tag: #E6DAF2; --pagefind-ui-border-radius: 14px; --pagefind-ui-font: 'Plus Jakarta Sans', system-ui, sans-serif; }
.news-date { color: var(--berry); font-weight: 700; font-size: 14px; flex-grow: 0 !important; }
.footer-how { border-top: 1px solid #3D2549; padding: 24px 0; font-size: 14px; }
.footer-how p { margin: 0; }
@media (min-width: 861px) and (max-width: 1240px) { .nav-search-text { display: none; } .site-nav { gap: 18px; } }

/* Phone tidy-up */
.section-head a { display: inline-block; padding: 10px 0; }
.info-box h3 a { display: inline-block; padding: 8px 0; }
@media (max-width: 600px) {
  .hide-sm { display: none; }
  .feature-top { min-height: 0; padding: 16px 20px; }
  .feature-body { padding: 16px 20px 20px; gap: 12px; }
  .guide-top { height: 96px; }
  .card-cta { padding: 22px; }
  .card-cta h3 { font-size: 21px; }
  .section { padding-top: 40px; }
  .hero-welcome { font-size: 19px; margin-bottom: 10px; }
  .lead { font-size: 18px; }
  .site-nav a { padding: 6px 0; }
}

/* Content */
.prose { max-width: 760px; }
.prose h2 { font-size: 30px; margin-top: 40px; }
.prose h3 { margin-top: 28px; }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 16px; }
.prose li { margin-bottom: 8px; }
.two-col { display: flex; flex-wrap: wrap; gap: 48px; align-items: flex-start; }
.two-col > .main { flex: 999 1 560px; min-width: 0; }
.two-col > .side { flex: 1 1 320px; position: sticky; top: 16px; }
.warning-box { background: var(--soft-sun); border-radius: 16px; padding: 16px 20px; font-weight: 700; }
.info-box { background: #FFFFFF; border-radius: 20px; padding: 24px; box-shadow: 0 2px 0 #EADDF1; margin-bottom: 18px; }
.info-box h3 { margin-bottom: 8px; }
.steps { counter-reset: step; list-style: none; padding: 0; display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.steps li { background: #FFFFFF; border-radius: 20px; padding: 24px; box-shadow: 0 2px 0 #EADDF1; }
.steps li::before { counter-increment: step; content: counter(step); display: inline-flex; width: 40px; height: 40px; border-radius: 50%; background: var(--sun); font-weight: 800; align-items: center; justify-content: center; margin-bottom: 10px; }

.deal { background: #FFFFFF; border-radius: 20px; padding: 24px; box-shadow: 0 2px 0 #EADDF1; display: flex; flex-wrap: wrap; gap: 18px; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.deal-text { flex: 999 1 380px; min-width: 0; }
.deal-text h3 { margin-bottom: 4px; }
.deal-text p { margin: 0; color: var(--muted); }
.ad-label { display: inline-block; font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; background: var(--soft-plum); color: var(--plum); padding: 3px 8px; border-radius: 6px; margin-bottom: 8px; }

/* FAQ */
.faq h2 { font-size: 36px; }
.faq details { background: #FFFFFF; border-radius: 18px; padding: 18px 22px; margin-bottom: 10px; box-shadow: 0 2px 0 #EADDF1; }
.faq summary { font-weight: 700; cursor: pointer; }
.faq details p { margin: 10px 0 0; color: var(--muted); }

/* Footer */
.site-footer { background: var(--plum-dark); color: #D7C6E0; font-size: 15px; margin-top: 64px; }
.site-footer a { color: #FFFFFF; }
.site-footer a:hover { color: var(--sun); }
.footer-cols { display: grid; gap: 28px; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); padding-top: 48px; padding-bottom: 32px; }
.footer-heading { font-size: 16px; color: #FFFFFF; letter-spacing: 0; margin-bottom: 12px; }
.footer-cols ul { list-style: none; padding: 0; margin: 0; }
.footer-cols li { margin-bottom: 8px; }
.footer-cols a { text-decoration: none; }
.footer-legal { border-top: 1px solid #3D2549; padding-top: 24px; font-size: 14px; }
.footer-warning { color: #FFFFFF; font-weight: 700; }
.copyright { text-align: center; margin: 0; padding: 20px 0 28px; border-top: 1px solid #3D2549; font-size: 14px; }

/* Phone */
@media (max-width: 860px) {
  .nav-toggle { display: inline-block; }
  .site-nav { display: none; width: 100%; flex-direction: column; align-items: flex-start; gap: 14px; padding: 8px 0 12px; }
  .site-nav.is-open { display: flex; }
  .hero-inner { padding-top: 48px; padding-bottom: 56px; }
  .cta-band { padding: 36px 24px; }
  .calc-result, .two-col > .side { position: static; }
}

@media print {
  .site-header, .notice-bar, .site-footer, .cta-band, .btn { display: none; }
}

/* Homepage topic picker */
.pick-list { list-style: none; margin: 6px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.pick-list a { display: flex; align-items: center; min-height: 52px; padding: 12px 16px; border-radius: 14px; background: var(--soft-plum); color: var(--plum); font-weight: 700; text-decoration: none; }
.pick-list a:hover, .pick-list a:focus-visible { background: var(--plum); color: #fff; }
@media (max-width: 420px) { .pick-list { grid-template-columns: 1fr; } }