/* =========================================================
   Money Market — site stylesheet
   Voice: smart-friend conversational. Design: editorial, calm,
   with a tape-machine wink. No corporate dashboard energy.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,600;9..144,800&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@500&display=swap');

:root {
  --ink:        #0E1726;   /* near-black navy, primary text */
  --ink-soft:   #2A3445;   /* secondary text */
  --slate:      #5B6678;   /* muted */
  --paper:      #FAF6EE;   /* warm cream background */
  --paper-2:    #F2ECDF;   /* slightly deeper cream for cards */
  --rule:       #E4DCC9;   /* hairlines on cream */
  --mint:       #2BD4A9;   /* money green, modern */
  --mint-deep:  #0F8E6E;   /* legible green on cream */
  --coral:      #FF6B5C;   /* down moves, warnings */
  --gold:       #E0B14A;   /* highlighter */
  --shadow:     0 1px 0 var(--rule), 0 18px 40px -28px rgba(14,23,38,0.25);

  --display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --body:    'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --mono:    'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  --maxw: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--rule); transition: border-color .15s, color .15s; }
a:hover { color: var(--mint-deep); border-color: var(--mint); }

img { max-width: 100%; display: block; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }

/* ---------- Ticker tape ---------- */
.ticker {
  background: var(--ink);
  color: var(--paper);
  font-family: var(--mono);
  font-size: 12px;
  letter-spacing: .04em;
  overflow: hidden;
  white-space: nowrap;
  border-bottom: 1px solid #1a253a;
}
.ticker__track {
  display: inline-block;
  padding: 9px 0;
  animation: tape 60s linear infinite;
}
.ticker span { margin: 0 18px; }
.ticker .up   { color: var(--mint); }
.ticker .down { color: var(--coral); }
.ticker .flat { color: #9aa6b8; }
@keyframes tape { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 30;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 0;
}
.brand {
  display: inline-flex; align-items: baseline; gap: 8px;
  font-family: var(--display);
  font-weight: 800;
  font-size: 26px;
  letter-spacing: -.01em;
  color: var(--ink);
  border: 0;
}
.brand__dot {
  display: inline-block; width: 10px; height: 10px;
  background: var(--mint); border-radius: 50%;
  transform: translateY(-2px);
  box-shadow: 0 0 0 4px rgba(43,212,169,.18);
}
.brand__tag {
  font-family: var(--mono); font-size: 11px; color: var(--slate);
  letter-spacing: .08em; text-transform: uppercase;
  margin-left: 4px;
}
.nav__links { display: flex; gap: 26px; }
.nav__links a {
  border: 0; font-weight: 500; font-size: 15px; color: var(--ink-soft);
}
.nav__links a:hover { color: var(--mint-deep); }
.nav__links a.active { color: var(--ink); border-bottom: 2px solid var(--mint); padding-bottom: 2px; }

.btn {
  display: inline-block;
  background: var(--ink); color: var(--paper);
  font-weight: 600; font-size: 14px;
  padding: 10px 18px; border-radius: 999px;
  border: 0; cursor: pointer;
  transition: transform .1s, background .15s;
}
.btn:hover { background: var(--mint-deep); color: var(--paper); }
.btn--ghost { background: transparent; color: var(--ink); border: 1px solid var(--ink); }
.btn--ghost:hover { background: var(--ink); color: var(--paper); }

/* ---------- Hero ---------- */
.hero {
  padding: 64px 0 40px;
  border-bottom: 1px solid var(--rule);
}
.hero__eyebrow {
  font-family: var(--mono); font-size: 12px; letter-spacing: .12em;
  color: var(--mint-deep); text-transform: uppercase; margin-bottom: 18px;
}
.hero__title {
  font-family: var(--display);
  font-weight: 800;
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.04;
  letter-spacing: -.02em;
  margin: 0 0 16px;
  max-width: 18ch;
}
.hero__title em { font-style: italic; color: var(--mint-deep); }
.hero__lede {
  font-size: 19px; max-width: 56ch; color: var(--ink-soft);
  margin: 0 0 28px;
}
.hero__meta { display: flex; gap: 18px; align-items: center; font-size: 14px; color: var(--slate); }
.hero__meta a { border: 0; }

/* ---------- Section heads ---------- */
.section { padding: 56px 0; border-bottom: 1px solid var(--rule); }
.section--tight { padding: 36px 0; }
.section__head {
  display: flex; align-items: baseline; justify-content: space-between;
  margin-bottom: 28px;
}
.section__title {
  font-family: var(--display); font-weight: 800; font-size: 30px;
  letter-spacing: -.01em; margin: 0;
}
.section__title small { font-family: var(--mono); font-size: 12px; color: var(--mint-deep); margin-left: 10px; letter-spacing: .1em; }
.section__more { font-family: var(--mono); font-size: 12px; letter-spacing: .1em; text-transform: uppercase; }

/* ---------- Card grid ---------- */
.grid { display: grid; gap: 28px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: 1.4fr 1fr; }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid--3, .grid--4 { grid-template-columns: 1fr 1fr; }
  .grid--2 { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .grid--3, .grid--4 { grid-template-columns: 1fr; }
}

.card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 22px;
  display: flex; flex-direction: column;
  transition: transform .15s, box-shadow .2s;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.card__chip {
  align-self: flex-start;
  font-family: var(--mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: .1em;
  padding: 4px 10px; border-radius: 999px;
  background: var(--paper-2); color: var(--ink-soft);
  margin-bottom: 14px;
}
.card__chip--etf    { background: #DDF6EC; color: #0F8E6E; }
.card__chip--stocks { background: #E6E2F5; color: #4339A1; }
.card__chip--crypto { background: #FFE3DE; color: #B5382B; }
.card__chip--plain  { background: #FFF1C7; color: #8a6b14; }
.card__chip--recap  { background: #1a253a; color: var(--mint); }

.card__title {
  font-family: var(--display); font-weight: 600;
  font-size: 22px; line-height: 1.2; margin: 0 0 10px;
  letter-spacing: -.005em;
}
.card__title a { border: 0; color: var(--ink); }
.card__title a:hover { color: var(--mint-deep); }
.card__dek { color: var(--ink-soft); font-size: 15px; margin: 0 0 18px; }
.card__meta { margin-top: auto; font-size: 13px; color: var(--slate); font-family: var(--mono); letter-spacing: .04em; }

.card--feature {
  grid-row: span 2;
  background: var(--ink); color: var(--paper);
  border-color: var(--ink);
}
.card--feature .card__chip { background: rgba(43,212,169,.18); color: var(--mint); }
.card--feature .card__title { font-size: 30px; }
.card--feature .card__title a { color: var(--paper); }
.card--feature .card__dek { color: #c7cfdd; }
.card--feature .card__meta { color: #8c98ad; }

/* ---------- Market snapshot widget ---------- */
.snapshot {
  background: var(--ink); color: var(--paper);
  border-radius: 18px; padding: 28px;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
}
.snapshot__head { grid-column: 1 / -1; display: flex; justify-content: space-between; align-items: baseline; }
.snapshot__head h3 { font-family: var(--display); margin: 0; font-size: 22px; }
.snapshot__head span { font-family: var(--mono); font-size: 11px; color: #8c98ad; letter-spacing: .1em; text-transform: uppercase; }
.snap {
  border: 1px solid #1f2a40; border-radius: 10px; padding: 14px 16px;
}
.snap__label { font-family: var(--mono); font-size: 11px; color: #8c98ad; letter-spacing: .1em; text-transform: uppercase; }
.snap__price { font-family: var(--display); font-weight: 600; font-size: 22px; margin-top: 4px; }
.snap__delta { font-family: var(--mono); font-size: 13px; margin-top: 6px; }
.snap__delta.up   { color: var(--mint); }
.snap__delta.down { color: var(--coral); }
@media (max-width: 700px) { .snapshot { grid-template-columns: 1fr 1fr; } }

/* ---------- Newsletter ---------- */
.newsletter {
  background: var(--paper-2); border-radius: 18px;
  padding: 44px; display: grid; grid-template-columns: 1.2fr 1fr; gap: 28px; align-items: center;
}
.newsletter h3 { font-family: var(--display); font-size: 32px; margin: 0 0 8px; letter-spacing: -.01em; }
.newsletter p { color: var(--ink-soft); margin: 0; }
.newsletter form { display: flex; gap: 8px; }
.newsletter input {
  flex: 1; padding: 14px 16px; border-radius: 999px;
  border: 1px solid var(--rule); background: var(--paper);
  font: inherit; color: var(--ink);
}
.newsletter input:focus { outline: 2px solid var(--mint); }
@media (max-width: 760px) { .newsletter { grid-template-columns: 1fr; padding: 28px; } }

/* Beehiiv embed wrapper */
.newsletter-embed {
  background: var(--paper-2); border-radius: 18px;
  padding: 32px 24px; max-width: 640px; margin: 0 auto;
  display: flex; justify-content: center;
}
.newsletter-embed iframe { max-width: 100% !important; width: 100% !important; }

/* ---------- Article ---------- */
.article {
  max-width: 720px; margin: 0 auto;
  padding: 56px 28px 80px;
}
.article__chip { display: inline-block; font-family: var(--mono); font-size: 11px; text-transform: uppercase; letter-spacing: .12em; padding: 4px 10px; border-radius: 999px; background: var(--paper-2); color: var(--ink-soft); margin-bottom: 24px; }
.article h1 {
  font-family: var(--display); font-weight: 800;
  font-size: clamp(34px, 4.4vw, 52px); line-height: 1.05;
  letter-spacing: -.02em; margin: 0 0 18px;
}
.article .dek {
  font-size: 21px; line-height: 1.45; color: var(--ink-soft);
  margin: 0 0 28px; font-family: var(--display); font-weight: 400;
}
.article .byline {
  display: flex; gap: 14px; align-items: center;
  font-size: 14px; color: var(--slate);
  border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule);
  padding: 14px 0; margin-bottom: 36px;
}
.byline strong { color: var(--ink); font-weight: 600; }
.byline .dot { width: 4px; height: 4px; background: var(--slate); border-radius: 50%; }

.article p, .article ul, .article ol { font-size: 18px; line-height: 1.7; color: var(--ink); }
.article p { margin: 0 0 22px; }
.article p:first-of-type::first-letter {
  font-family: var(--display); font-weight: 800;
  font-size: 4em; line-height: .82; float: left;
  padding: 4px 10px 0 0; color: var(--mint-deep);
}
.article h2 {
  font-family: var(--display); font-weight: 700;
  font-size: 30px; letter-spacing: -.01em;
  margin: 48px 0 14px;
}
.article h3 { font-family: var(--display); font-weight: 600; font-size: 22px; margin: 36px 0 10px; }
.article ul, .article ol { padding-left: 22px; margin: 0 0 22px; }
.article li { margin-bottom: 8px; }
.article a { border-bottom: 1px solid var(--mint); }

.article blockquote {
  border: 0; margin: 36px 0;
  font-family: var(--display); font-style: italic; font-weight: 400;
  font-size: 26px; line-height: 1.3; color: var(--ink);
  border-left: 3px solid var(--mint); padding-left: 22px;
}

/* Callout boxes — the "plain english" voice */
.callout {
  background: var(--paper-2); border-radius: 14px;
  padding: 22px 24px; margin: 32px 0;
  border-left: 4px solid var(--mint);
}
.callout__label {
  font-family: var(--mono); font-size: 11px; letter-spacing: .12em;
  text-transform: uppercase; color: var(--mint-deep);
  margin-bottom: 8px; display: block;
}
.callout p { font-size: 16px; margin: 0; color: var(--ink-soft); }
.callout p + p { margin-top: 10px; }
.callout--warn { border-left-color: var(--coral); }
.callout--warn .callout__label { color: #B5382B; }
.callout--data { border-left-color: var(--gold); background: #FFF7DC; }
.callout--data .callout__label { color: #8a6b14; }

/* Tables */
.article table {
  width: 100%; border-collapse: collapse; margin: 28px 0;
  font-size: 15px;
}
.article th, .article td {
  text-align: left; padding: 12px 14px;
  border-bottom: 1px solid var(--rule);
}
.article th {
  font-family: var(--mono); font-size: 12px; text-transform: uppercase;
  letter-spacing: .08em; color: var(--slate); font-weight: 600;
  border-bottom: 2px solid var(--ink);
}
.article tbody tr:hover { background: var(--paper-2); }
.num { font-family: var(--mono); text-align: right; }
.up   { color: var(--mint-deep); }
.down { color: var(--coral); }

/* Footnote-y disclosure */
.disclosure {
  margin-top: 48px; padding-top: 22px;
  border-top: 1px solid var(--rule);
  font-size: 13px; color: var(--slate);
}

/* Read next */
.read-next { padding: 56px 0; background: var(--paper-2); border-top: 1px solid var(--rule); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink); color: #c7cfdd;
  padding: 56px 0 28px;
}
.site-footer a { color: #c7cfdd; border: 0; }
.site-footer a:hover { color: var(--mint); }
.footer__grid {
  display: grid; grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: 32px; padding-bottom: 36px;
  border-bottom: 1px solid #1f2a40;
}
.footer__brand .brand { color: var(--paper); }
.footer__brand p { color: #8c98ad; font-size: 14px; margin: 12px 0 0; max-width: 36ch; }
.footer__col h4 {
  font-family: var(--mono); font-size: 11px; letter-spacing: .12em;
  text-transform: uppercase; color: var(--mint); margin: 0 0 14px;
}
.footer__col ul { list-style: none; padding: 0; margin: 0; }
.footer__col li { margin-bottom: 8px; font-size: 14px; }
.footer__legal {
  display: flex; justify-content: space-between; align-items: center;
  padding-top: 22px; font-size: 12px; color: #8c98ad; font-family: var(--mono);
  letter-spacing: .04em;
}
@media (max-width: 760px) { .footer__grid { grid-template-columns: 1fr 1fr; } }

/* ---------- Tiny "About this site" badge on category pages ---------- */
.category-hero {
  padding: 56px 0 36px; border-bottom: 1px solid var(--rule);
}
.category-hero h1 { font-family: var(--display); font-weight: 800; font-size: clamp(40px, 5vw, 60px); letter-spacing: -.02em; margin: 0 0 10px; }
.category-hero p { font-size: 19px; color: var(--ink-soft); max-width: 60ch; margin: 0; }
.category-hero .chip { display: inline-block; font-family: var(--mono); font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--mint-deep); margin-bottom: 14px; }