/* ── PLAIN FINANCE TALKS — Shared Stylesheet ── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --gold: #C9A84C;
  --gold-l: #E8C96B;
  --gold-d: #9A7A2E;
  --gold-pale: rgba(201,168,76,0.08);
  --black: #0A0A0A;
  --black-card: #141414;
  --black-border: #222222;
  --white: #FAFAF8;
  --text-muted: #888880;
  --text-dim: #555550;
  --ok: #4CAF82;
  --bad: #E85C5C;
  --nav-h: 68px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  background: var(--black);
  color: var(--white);
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

/* ── NAV ── */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--nav-h);
  background: rgba(10,10,10,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--black-border);
  display: flex;
  align-items: center;
  padding: 0 24px;
}

.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.nav-logo {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  object-fit: cover;
}

.nav-name {
  font-family: 'Playfair Display', serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.04em;
  white-space: nowrap;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}

.nav-links a {
  display: block;
  padding: 6px 14px;
  color: var(--text-muted);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 500;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
}

.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.05); }
.nav-links a.active { color: var(--gold); }

.nav-cta {
  display: inline-block;
  padding: 7px 18px;
  background: linear-gradient(135deg, var(--gold-d), var(--gold-l));
  color: var(--black) !important;
  font-weight: 700 !important;
  border-radius: 6px;
  font-size: 13px !important;
  letter-spacing: 0.04em;
  transition: opacity 0.2s !important;
}
.nav-cta:hover { opacity: 0.88; background: linear-gradient(135deg, var(--gold-d), var(--gold-l)) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span { display: block; width: 22px; height: 2px; background: var(--white); border-radius: 2px; transition: all 0.3s; }

/* ── PAGE WRAPPER ── */
.page { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.page-narrow { max-width: 780px; margin: 0 auto; padding: 0 24px; }

/* ── HERO ── */
.hero {
  padding: 80px 0 72px;
  border-bottom: 1px solid var(--black-border);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -60px; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.hero-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 5vw, 58px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 22px;
  max-width: 820px;
}

.hero h1 em {
  font-style: italic;
  color: var(--gold);
}

.hero-sub {
  font-size: 17px;
  color: var(--text-muted);
  max-width: 560px;
  margin-bottom: 36px;
  line-height: 1.7;
}

.btn-primary {
  display: inline-block;
  padding: 14px 32px;
  background: linear-gradient(135deg, var(--gold-d), var(--gold), var(--gold-l));
  color: var(--black);
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
}
.btn-primary:hover { opacity: 0.88; transform: translateY(-1px); }

.btn-secondary {
  display: inline-block;
  padding: 13px 28px;
  background: transparent;
  color: var(--gold);
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-decoration: none;
  border-radius: 8px;
  border: 1px solid rgba(201,168,76,0.35);
  transition: background 0.2s, border-color 0.2s;
}
.btn-secondary:hover { background: rgba(201,168,76,0.07); border-color: var(--gold); }

.btn-row { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }

/* ── SECTION ── */
section { padding: 72px 0; border-bottom: 1px solid var(--black-border); }
section:last-of-type { border-bottom: none; }

.sec-label {
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.sec-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(26px, 3.5vw, 38px);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}

.sec-body {
  font-size: 16px;
  color: var(--text-muted);
  max-width: 620px;
  line-height: 1.8;
}

/* ── CARDS ── */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; margin-top: 40px; }

.card {
  background: var(--black-card);
  border: 1px solid var(--black-border);
  border-radius: 12px;
  padding: 26px;
  text-decoration: none;
  color: var(--white);
  transition: border-color 0.2s, transform 0.2s;
  display: block;
}
.card:hover { border-color: rgba(201,168,76,0.4); transform: translateY(-2px); }

.card-icon { font-size: 26px; margin-bottom: 14px; }
.card-title { font-family: 'Playfair Display', serif; font-size: 19px; font-weight: 700; margin-bottom: 10px; }
.card-body { font-size: 14px; color: var(--text-muted); line-height: 1.7; }
.card-link { display: inline-block; margin-top: 16px; font-size: 13px; color: var(--gold); font-weight: 600; letter-spacing: 0.03em; }

.card-gold { border-color: rgba(201,168,76,0.3); background: linear-gradient(135deg,rgba(201,168,76,0.07) 0%,var(--black-card) 60%); }

/* ── ARTICLE LAYOUT ── */
.article-header { padding: 64px 0 48px; border-bottom: 1px solid var(--black-border); }
.article-meta { display: flex; gap: 18px; align-items: center; flex-wrap: wrap; margin-bottom: 20px; }
.tag { display: inline-block; font-size: 10.5px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; padding: 3px 10px; border-radius: 20px; }
.tag-gold { background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.3); color: var(--gold); }
.tag-red { background: rgba(232,92,92,0.1); border: 1px solid rgba(232,92,92,0.25); color: var(--bad); }
.tag-green { background: rgba(76,175,130,0.1); border: 1px solid rgba(76,175,130,0.25); color: var(--ok); }
.article-date { font-size: 13px; color: var(--text-dim); }

.article-h1 { font-family: 'Playfair Display', serif; font-size: clamp(28px, 4vw, 46px); font-weight: 700; line-height: 1.15; margin-bottom: 18px; }
.article-intro { font-size: 18px; color: var(--text-muted); line-height: 1.75; max-width: 680px; }

.article-body { padding: 52px 0 72px; }
.article-body h2 { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700; margin: 48px 0 16px; color: var(--white); }
.article-body h3 { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 600; margin: 32px 0 12px; color: var(--gold); }
.article-body p { margin-bottom: 20px; color: var(--text-muted); line-height: 1.85; font-size: 15.5px; }
.article-body p strong { color: var(--white); font-weight: 600; }
.article-body ul, .article-body ol { margin: 0 0 22px 22px; color: var(--text-muted); font-size: 15.5px; }
.article-body li { margin-bottom: 8px; line-height: 1.75; }
.article-body a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }

.callout {
  background: rgba(201,168,76,0.07);
  border-left: 3px solid var(--gold);
  border-radius: 0 8px 8px 0;
  padding: 18px 22px;
  margin: 28px 0;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}
.callout strong { color: var(--white); }

.callout-red {
  background: rgba(232,92,92,0.07);
  border-left-color: var(--bad);
}
.callout-green {
  background: rgba(76,175,130,0.07);
  border-left-color: var(--ok);
}

.data-table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 14px; }
.data-table th { text-align: left; padding: 10px 14px; background: rgba(201,168,76,0.08); color: var(--gold); font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; border-bottom: 1px solid var(--black-border); }
.data-table td { padding: 10px 14px; border-bottom: 1px solid rgba(255,255,255,0.05); color: var(--text-muted); vertical-align: top; }
.data-table tr:last-child td { border-bottom: none; }
.data-table td:first-child { color: var(--white); font-weight: 500; }

/* ── FOOTER ── */
footer {
  background: var(--black-card);
  border-top: 1px solid var(--black-border);
  padding: 52px 0 36px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 40px;
}

.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; text-decoration: none; }
.footer-logo { width: 36px; height: 36px; border-radius: 50%; border: 1px solid var(--gold); object-fit: cover; }
.footer-name { font-family: 'Playfair Display', serif; font-size: 14px; color: var(--gold); }
.footer-desc { font-size: 13px; color: var(--text-dim); line-height: 1.7; }

.footer-col h4 { font-size: 11px; font-weight: 600; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 9px; }
.footer-col ul a { font-size: 13.5px; color: var(--text-muted); text-decoration: none; transition: color 0.2s; }
.footer-col ul a:hover { color: var(--white); }

.footer-bottom {
  max-width: 1100px;
  margin: 36px auto 0;
  padding: 20px 24px 0;
  border-top: 1px solid var(--black-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-copy { font-size: 12px; color: var(--text-dim); }
.footer-disc { font-size: 11.5px; color: var(--text-dim); max-width: 560px; line-height: 1.6; }

/* ── UTILS ── */
.gold { color: var(--gold); }
.dim { color: var(--text-muted); }
.sep { height: 1px; background: var(--black-border); margin: 32px 0; }

/* ── MOBILE ── */
@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: var(--nav-h); left: 0; right: 0; background: var(--black-card); border-bottom: 1px solid var(--black-border); padding: 16px; gap: 4px; }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero { padding: 52px 0 48px; }
  section { padding: 52px 0; }
  .card-grid { grid-template-columns: 1fr; }
}