/* Smart Money Basics — styles.
   No external fonts or requests: nothing is sent to third parties when a page loads. */

:root {
  --paper: #eef2ec;
  --sheet: #fbfcfa;
  --ink: #1a2b3c;
  --muted: #4b5d6d;
  --rule: #c6d1c5;
  --rule-dark: #8a9b8a;
  --green: #1f6b4a;
  --green-dark: #164d35;
  --red: #a32e2e;
  --gold: #b7791f;
  --blue: #2b5c8a;
  --hl: #f4e28c;

  --f-head: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --f-body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --measure: 68ch;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}

body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--f-body); font-size: 1.0625rem; line-height: 1.68;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--green); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--green-dark); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; border-radius: 2px; }

.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: .6rem 1rem; z-index: 10; }
.skip:focus { left: 0; }

.wrap { width: min(100% - 2rem, 68rem); margin-inline: auto; }

h1, h2, h3 { font-family: var(--f-head); line-height: 1.18; letter-spacing: -0.015em; color: var(--ink); }
h1 { font-size: clamp(2.05rem, 5.2vw, 3.3rem); font-weight: 700; margin: 0 0 1rem; }
h2 { font-size: clamp(1.5rem, 3.2vw, 1.95rem); font-weight: 700; margin: 2.6rem 0 .8rem; }
h3 { font-size: 1.28rem; font-weight: 700; margin: 1.8rem 0 .5rem; }
p, ul, ol { margin: 0 0 1.1rem; }
li { margin-bottom: .35rem; }
strong { font-weight: 650; }
.num { font-variant-numeric: tabular-nums; }

/* ---------- Header ---------- */
.site-header { background: var(--sheet); border-bottom: 3px double var(--rule-dark); }
.site-header .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: .5rem 2rem; padding-block: .85rem; }
.brand { display: inline-flex; align-items: center; gap: .6rem; font-family: var(--f-head); font-weight: 700; font-size: 1.35rem; color: var(--ink); text-decoration: none; letter-spacing: -0.01em; }
.nav { display: flex; flex-wrap: wrap; gap: .2rem 1.5rem; font-size: .98rem; }
.nav a { color: var(--ink); text-decoration: none; padding: .35rem 0; border-bottom: 2px solid transparent; }
.nav a:hover { border-bottom-color: var(--rule-dark); }
.nav a[aria-current="page"] { border-bottom-color: var(--green); font-weight: 650; }

/* ---------- Home ---------- */
.hero { padding: clamp(2rem, 6vw, 4rem) 0 2rem; }
.hero-grid { display: grid; gap: 2rem; align-items: start; }
@media (min-width: 62rem) { .hero-grid { grid-template-columns: 1fr 27rem; gap: 3.5rem; } }
.hero .lede { font-size: 1.22rem; color: var(--muted); max-width: 34rem; }
.btn { display: inline-block; font-weight: 650; background: var(--green); color: #fff; padding: .68rem 1.25rem; border-radius: 3px; text-decoration: none; border: 2px solid var(--green); }
.btn:hover { background: var(--green-dark); border-color: var(--green-dark); color: #fff; }
.btn.ghost { background: transparent; color: var(--green); }
.btn.ghost:hover { background: #dfe9dd; color: var(--green-dark); }

/* ---------- Calculators (ledger) ---------- */
.calc {
  background: var(--sheet);
  border: 1px solid var(--rule-dark);
  border-top: 5px double var(--ink);
  padding: 1.25rem 1.3rem 1.1rem;
  margin: 1.6rem 0;
}
.calc h2, .calc h3 { margin: 0 0 .3rem; font-size: 1.28rem; }
.calc .calc-help { color: var(--muted); font-size: .94rem; line-height: 1.45; margin: 0 0 1rem; }
.calc .row { display: grid; grid-template-columns: 1fr 8.2rem; gap: .4rem .9rem; align-items: end; margin-bottom: .55rem; }
.calc label { font-size: .96rem; line-height: 1.3; }
.calc .unit { display: block; color: var(--muted); font-size: .82rem; }
.calc input {
  width: 100%; font: inherit; font-size: 1.05rem; padding: .35rem .15rem;
  border: 0; border-bottom: 2px solid var(--rule-dark); background: transparent; color: var(--ink);
  text-align: right; font-variant-numeric: tabular-nums; border-radius: 0;
}
.calc input:focus { outline: none; border-bottom-color: var(--green); background: #eef5ec; }
.calc input:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }
.calc input[aria-invalid="true"] { border-bottom-color: var(--red); background: #f9eeee; }
.calc .err { color: var(--red); font-size: .88rem; margin: .4rem 0 0; min-height: 1.2em; }
.calc .out { margin: .9rem 0 0; padding: .6rem 0 0; border-top: 1px solid var(--ink); }
.calc .out > div { display: flex; align-items: baseline; padding: .28rem 0; }
.calc .out dt { margin: 0; flex: 1; display: flex; align-items: baseline; color: var(--muted); font-size: .95rem; }
.calc .out dt::after { content: ""; flex: 1; border-bottom: 2px dotted var(--rule-dark); margin: 0 .5rem; transform: translateY(-.25em); }
.calc .out dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.calc .out .main dd { font-size: 1.3rem; border-bottom: 4px double var(--ink); padding-bottom: .05rem; }
.calc .out dd.neg { color: var(--red); }
.calc .chart { margin: 1rem 0 0; }
.calc .chart svg { display: block; width: 100%; height: auto; }
.calc .chart .legend { display: flex; gap: 1.1rem; font-size: .82rem; color: var(--muted); margin-top: .3rem; }
.calc .chart .legend i { display: inline-block; width: .8rem; height: .8rem; margin-right: .35rem; vertical-align: -1px; }
.calc .calc-note { font-size: .82rem; color: var(--muted); margin: .9rem 0 0; line-height: 1.4; }

/* ---------- Article lists ---------- */
.index { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--rule-dark); }
.index li { margin: 0; border-bottom: 1px solid var(--rule); }
.index a.row { display: block; padding: 1.15rem 0 1.15rem 1.1rem; border-left: 6px solid var(--green); margin: .35rem 0; text-decoration: none; color: inherit; }
.index a.row:hover h3 { text-decoration: underline; text-underline-offset: 4px; }
.index h3 { margin: 0 0 .25rem; font-size: 1.32rem; }
.index p { margin: 0; color: var(--muted); font-size: 1rem; line-height: 1.55; }
.index .meta { display: block; font-size: .86rem; color: var(--muted); margin-top: .35rem; }
.c-budgeting { --tab: var(--green); }
.c-saving { --tab: var(--blue); }
.c-debt { --tab: var(--red); }
.c-credit { --tab: var(--gold); }
.index a.row[class*="c-"] { border-left-color: var(--tab); }
.swatch { display: inline-block; width: 1.4rem; height: .5rem; border-radius: 2px; vertical-align: middle; margin-right: .45rem; background: var(--tab); }

.section-title { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; margin: 3rem 0 1rem; }
.section-title h2 { margin: 0; }
.section-title a { font-size: .96rem; }

/* ---------- Article ---------- */
.article, .page { padding: 2.2rem 0 3rem; }
.crumbs { font-size: .9rem; color: var(--muted); margin-bottom: 1rem; }
.crumbs a { color: var(--muted); }
.article header .cat { font-size: .92rem; color: var(--muted); margin-bottom: .6rem; }
.article header .byline { font-size: .93rem; color: var(--muted); margin: 0 0 .3rem; }
.article header .edu { font-size: .88rem; color: var(--muted); margin: 0 0 1.4rem; font-style: italic; }
.prose { max-width: var(--measure); }
.page .prose { max-width: 46rem; }
.prose .lead { font-size: 1.22rem; color: var(--muted); }
.prose h2 { border-top: 1px solid var(--rule-dark); padding-top: 1.5rem; }
.prose table { border-collapse: collapse; width: 100%; font-size: .96rem; margin: 0 0 1.4rem; background: var(--sheet); font-variant-numeric: tabular-nums; }
.prose th, .prose td { border-bottom: 1px solid var(--rule); padding: .5rem .7rem; text-align: left; vertical-align: top; }
.prose th { border-bottom: 3px double var(--ink); background: #e7eee5; }
.prose td.r, .prose th.r { text-align: right; }
.table-scroll { overflow-x: auto; }
.formula { display: block; font-family: var(--f-head); font-style: italic; font-size: 1.15rem; background: var(--sheet); border-left: 4px solid var(--green); padding: .7rem 1rem; margin: 0 0 1.3rem; overflow-x: auto; }
.hl { background: linear-gradient(transparent 58%, var(--hl) 58%); padding: 0 .1em; font-weight: 650; }
.note, .warn { background: var(--sheet); border: 1px solid var(--rule); border-left: 5px solid var(--green); padding: .9rem 1.1rem; margin: 0 0 1.4rem; font-size: .98rem; line-height: 1.55; }
.warn { border-left-color: var(--red); }
.note p:last-child, .warn p:last-child { margin-bottom: 0; }
.toc { background: var(--sheet); border: 1px solid var(--rule); padding: 1rem 1.2rem; font-size: .96rem; max-width: var(--measure); margin: 0 0 1.6rem; }
.toc strong { display: block; margin-bottom: .4rem; }
.toc ol { margin: 0; padding-left: 1.2rem; }
.sources { font-size: .95rem; }
.related { margin-top: 3rem; }
.page .updated { font-size: .9rem; color: var(--muted); }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #dbe4ea; margin-top: 3rem; font-size: .95rem; }
.site-footer a { color: #fff; }
.site-footer .wrap { display: grid; gap: 1.6rem; padding-block: 2.2rem; }
@media (min-width: 46rem) { .site-footer .wrap { grid-template-columns: 1.5fr 1fr 1fr; } }
.site-footer h2 { font-family: var(--f-body); font-size: 1rem; margin: 0 0 .5rem; color: #fff; letter-spacing: 0; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .3rem; }
.site-footer p { margin: 0 0 .6rem; line-height: 1.5; }
.site-footer .small { font-size: .84rem; color: #b3c2ce; }

/* Config values that are still missing (visible only until filled in) */
mark.todo { background: #fff2b3; color: #5a4a00; padding: 0 .25em; border-radius: 2px; }