/* =========================================================
   FinanceAmericanGuru - Main Stylesheet
   ========================================================= */

:root {
  --navy:       #0f1f3d;
  --navy-light: #1a3461;
  --gold:       #c9a227;
  --gold-pale:  #f5ecd4;
  --cream:      #faf8f3;
  --ink:        #1c1c1e;
  --muted:      #6b7280;
  --border:     #e5e0d5;
  --white:      #ffffff;
  --radius:     8px;
  --shadow:     0 2px 16px rgba(15,31,61,0.10);
  --serif:      Georgia,'Times New Roman',serif;
  --sans:       system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  --max-w:      1120px;
}

*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.7;
  font-size: 17px;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }

/* ── Typography ── */
h1, h2, h3, h4 {
  font-family: var(--serif);
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.4rem); margin-bottom: 0.6em; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.5rem); margin-bottom: 0.4em; }
p  { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

/* ── Layout ── */
.container       { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section         { padding: 80px 0; }
.section-alt     { background: var(--gold-pale); }
.section-dark    { background: var(--navy); color: var(--white); }
.section-dark h2,
.section-dark h3 { color: var(--gold); }

/* ── NAV ── */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(15,31,61,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(201,162,39,0.25);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav-logo img  { height: 44px; width: auto; }
.nav-logo-text {
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--white);
  font-weight: bold;
  display: none;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links a {
  color: #c9d1db;
  font-size: 0.88rem;
  padding: 6px 13px;
  border-radius: 4px;
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(201,162,39,0.10);
}
.nav-yt {
  background: #ff0000 !important;
  color: var(--white) !important;
  font-weight: 700 !important;
  border-radius: 4px !important;
}
.nav-yt:hover { opacity: 0.88 !important; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}

/* ── DROPDOWN NAV ── */
.has-dropdown { position: relative; }
.dropdown-toggle {
  background: none;
  border: none;
  color: #c9d1db;
  font-size: 0.88rem;
  padding: 6px 13px;
  border-radius: 4px;
  cursor: pointer;
  font-family: inherit;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: color 0.2s, background 0.2s;
}
.dropdown-toggle:hover,
.has-dropdown:hover .dropdown-toggle {
  color: var(--gold);
  background: rgba(201,162,39,0.10);
}
.nav-dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  background: #0d1b35;
  border: 1px solid rgba(201,162,39,0.25);
  border-top: 2px solid var(--gold);
  border-radius: 0 0 8px 8px;
  min-width: 200px;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
  z-index: 200;
  box-shadow: 0 8px 24px rgba(0,0,0,0.35);
}
.has-dropdown:hover .nav-dropdown,
.has-dropdown:focus-within .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-dropdown li a {
  display: block;
  padding: 10px 16px;
  color: #b0bcd0;
  font-size: 0.85rem;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: color 0.18s, background 0.18s, padding-left 0.18s;
}
.nav-dropdown li:last-child a { border-bottom: none; border-radius: 0 0 6px 6px; }
.nav-dropdown li a:hover { color: var(--gold); background: rgba(201,162,39,0.07); padding-left: 20px; }

/* ── HERO ── */
.hero { background: var(--navy); }

/* Banner image: full width, slim strip just below nav */
.hero-banner-wrap {
  position: relative;
  width: 100%;
  overflow: hidden;
  margin-top: 68px; /* offset for fixed nav */
}
.hero-banner-img {
  width: 100%;
  height: 150px;
  object-fit: cover;
  object-position: center;
  display: block;
}
.hero-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(15,31,61,0.10) 0%, rgba(15,31,61,0.40) 100%);
}

/* Text content below the banner */
.hero-content {
  color: var(--white);
  max-width: 800px;
  padding: 36px 24px 52px;
  margin: 0 auto;
  text-align: center;
}
.hero-eyebrow {
  display: inline-block;
  color: var(--gold);
  font-size: 0.82rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 18px;
}
.hero h1  { color: var(--white); margin-bottom: 20px; }
.hero-sub {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: #b0bcd0;
  margin-bottom: 36px;
  line-height: 1.65;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.hero-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.hero-divider {
  width: 48px; height: 3px;
  background: var(--gold);
  margin: 28px auto 0;
  border-radius: 2px;
}

/* ── BUTTONS ── */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 4px;
  font-size: 0.92rem;
  font-weight: 700;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s;
  text-decoration: none;
  font-family: var(--sans);
  letter-spacing: 0.01em;
}
.btn-gold          { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover    { background: #dbb530; border-color: #dbb530; }
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn-navy          { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover    { background: var(--navy-light); }
.btn-outline-gold  { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy); }

/* ── PHILOSOPHY STRIP ── */
.philosophy { background: var(--navy); padding: 64px 0; }
.philosophy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.philosophy-item { text-align: center; }
.philosophy-icon { font-size: 2.4rem; margin-bottom: 14px; }
.philosophy-item h3 { color: var(--gold); font-size: 1.15rem; margin-bottom: 10px; }
.philosophy-item p  { color: #8fa0b8; font-size: 0.93rem; line-height: 1.65; }

/* ── SECTION LABEL ── */
.section-label {
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  font-size: 0.77rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 8px;
}
.section-head        { text-align: center; margin-bottom: 48px; }
.section-head p      { color: var(--muted); max-width: 580px; margin: 10px auto 0; font-size: 0.98rem; }

/* ── ARTICLE CARDS ── */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.article-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
}
.article-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.article-card-body  { padding: 22px 24px; flex: 1; display: flex; flex-direction: column; }
.article-card h3    { font-size: 1.05rem; margin-bottom: 10px; color: var(--navy); line-height: 1.35; }
.article-card p     { color: var(--muted); font-size: 0.9rem; line-height: 1.65; flex: 1; margin-bottom: 18px; }
.article-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

/* Category Badges */
.category-badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}
.badge-saving    { background: #dcfce7; color: #166534; }
.badge-investing { background: #dbeafe; color: #1e40af; }
.badge-mindset   { background: #ede9fe; color: #5b21b6; }
.badge-budgeting { background: #fef3c7; color: #92400e; }
.badge-compound  { background: #fef9c3; color: #854d0e; }

.read-time { font-size: 0.78rem; color: var(--muted); }
.read-link  { font-size: 0.83rem; font-weight: 700; color: var(--gold); }
.read-link:hover { text-decoration: underline; }

/* ── VIEW ALL LINK ── */
.view-all-wrap { text-align: center; margin-top: 40px; }

/* ── QUOTE SECTION ── */
.quote-section { background: var(--navy); padding: 80px 0; text-align: center; }
.quote-mark {
  font-size: 5.5rem;
  color: var(--gold);
  font-family: var(--serif);
  line-height: 0.5;
  display: block;
  margin-bottom: 28px;
  opacity: 0.55;
}
.quote-text {
  font-family: var(--serif);
  font-size: clamp(1.15rem, 2.5vw, 1.75rem);
  color: var(--white);
  max-width: 700px;
  margin: 0 auto 18px;
  line-height: 1.5;
  font-style: italic;
  transition: opacity 0.3s;
}
.quote-author {
  color: var(--gold);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  transition: opacity 0.3s;
}
.quote-dots {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin-top: 30px;
}
.quote-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.25);
  cursor: pointer;
  border: none;
  transition: background 0.2s;
}
.quote-dot.active { background: var(--gold); }

/* ── YOUTUBE SECTION ── */
.yt-section { padding: 80px 0; }
.yt-card {
  background: var(--navy);
  border-radius: 12px;
  max-width: 680px;
  margin: 0 auto;
  padding: 60px 48px;
  text-align: center;
  color: var(--white);
}
.yt-play {
  width: 72px; height: 72px;
  background: #ff0000;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 1.8rem;
}
.yt-badge {
  display: inline-block;
  background: rgba(255,255,255,0.08);
  color: var(--gold);
  font-size: 0.73rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 18px;
}
.yt-card h2 { color: var(--white); font-size: 1.7rem; margin-bottom: 14px; }
.yt-card p  { color: #8fa0b8; margin-bottom: 28px; max-width: 460px; margin-left: auto; margin-right: auto; }

/* ── TOPICS ── */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}
.topic-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 16px;
  text-align: center;
  transition: all 0.2s;
  text-decoration: none;
  display: block;
}
.topic-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 4px 20px rgba(201,162,39,0.15);
}
.topic-icon  { font-size: 2rem; margin-bottom: 12px; }
.topic-card h3 { font-size: 0.95rem; color: var(--navy); margin-bottom: 6px; }
.topic-card p  { font-size: 0.8rem; color: var(--muted); margin: 0; line-height: 1.4; }

/* ── NEWSLETTER ── */
.newsletter { background: var(--navy); padding: 80px 0; text-align: center; }
.newsletter h2 { color: var(--white); margin-bottom: 12px; }
.newsletter .newsletter-sub { color: #8fa0b8; margin-bottom: 32px; max-width: 440px; margin-left: auto; margin-right: auto; font-size: 0.98rem; }
.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 440px;
  margin: 0 auto;
  flex-wrap: wrap;
  justify-content: center;
}
.newsletter-form input[type=email] {
  flex: 1;
  min-width: 220px;
  padding: 13px 18px;
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 4px;
  background: rgba(255,255,255,0.05);
  color: var(--white);
  font-size: 0.93rem;
  outline: none;
  font-family: var(--sans);
  transition: border-color 0.2s;
}
.newsletter-form input[type=email]::placeholder { color: #6b7280; }
.newsletter-form input[type=email]:focus { border-color: var(--gold); }
.newsletter-note { font-size: 0.78rem; color: #4b5563; margin-top: 14px; }
.newsletter-success { display: none; color: var(--gold); font-size: 1rem; margin-top: 16px; }
.newsletter-success.visible { display: block; }

/* ── PAGE HERO (inner pages) ── */
.page-hero {
  background: var(--navy);
  padding: 120px 24px 64px;
  text-align: center;
  color: var(--white);
}
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p  { color: #8fa0b8; max-width: 540px; margin: 0 auto; font-size: 1.05rem; }

/* ── ABOUT PAGE ── */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.about-stat {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
}
.about-stat-number { font-family: var(--serif); font-size: 2.2rem; color: var(--gold); font-weight: bold; }
.about-stat-label  { font-size: 0.85rem; color: var(--muted); margin-top: 4px; }

.pillar-list { list-style: none; margin-top: 24px; }
.pillar-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 20px;
}
.pillar-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.pillar-text strong { display: block; color: var(--navy); font-family: var(--serif); font-size: 1rem; margin-bottom: 3px; }
.pillar-text span   { color: var(--muted); font-size: 0.9rem; }

/* ── RESOURCES PAGE ── */
.book-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.book-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.book-icon { font-size: 2.8rem; flex-shrink: 0; }
.book-info h3 { font-size: 1.05rem; margin-bottom: 4px; }
.book-info .book-author { font-size: 0.82rem; color: var(--gold); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 8px; }
.book-info p  { font-size: 0.88rem; color: var(--muted); line-height: 1.6; margin: 0; }

.principle-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 0; }
.principle-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 28px;
}
.principle-card h3 { color: var(--gold); margin-bottom: 10px; font-size: 1.05rem; }
.principle-card p  { color: #8fa0b8; font-size: 0.9rem; margin: 0; line-height: 1.65; }

/* ── TOPICS PAGE ── */
.topic-section-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
  margin-bottom: 24px;
}
.topic-section-card h3 { font-size: 1.4rem; margin-bottom: 10px; }
.topic-section-card p  { color: var(--muted); margin-bottom: 20px; max-width: 680px; }
.topic-tag-list { display: flex; flex-wrap: wrap; gap: 8px; }
.topic-tag {
  font-size: 0.78rem;
  font-weight: 600;
  padding: 4px 14px;
  border-radius: 100px;
  background: var(--cream);
  color: var(--navy);
  border: 1px solid var(--border);
}

/* ── ARTICLES FILTER ── */
.articles-filter {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 36px;
  justify-content: center;
}
.filter-btn {
  padding: 7px 18px;
  border-radius: 100px;
  border: 1px solid var(--border);
  background: var(--white);
  font-size: 0.83rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--muted);
  transition: all 0.2s;
  font-family: var(--sans);
}
.filter-btn.active,
.filter-btn:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ── FOOTER ── */
.site-footer { background: #070f1d; color: #9ca3af; padding: 64px 0 28px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 52px;
}
.footer-brand img   { height: 44px; margin-bottom: 16px; }
.footer-brand p     { font-size: 0.86rem; line-height: 1.7; color: #4b5563; max-width: 240px; }
.footer-brand-name  { font-family: var(--serif); color: var(--white); font-size: 1rem; margin-bottom: 8px; display: block; }
.footer-col h4      { color: var(--white); font-family: var(--serif); font-size: 0.92rem; margin-bottom: 16px; font-weight: bold; }
.footer-col ul      { list-style: none; }
.footer-col ul li   { margin-bottom: 8px; }
.footer-col ul a    { color: #4b5563; font-size: 0.86rem; transition: color 0.2s; }
.footer-col ul a:hover { color: var(--gold); }
.footer-yt-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: #ff4444;
  font-size: 0.88rem;
  font-weight: 700;
  margin-top: 16px;
  transition: color 0.2s;
}
.footer-yt-link:hover { color: #ff6666; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
}
.footer-copy { color: #374151; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: #374151; transition: color 0.2s; }
.footer-legal a:hover { color: var(--gold); }

/* ── COOKIE BANNER ── */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: #111d30;
  border-top: 2px solid var(--gold);
  padding: 16px 24px;
  z-index: 9999;
  display: none;
}
#cookie-banner.visible { display: block; }
.cookie-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.cookie-text { font-size: 0.85rem; color: #c9d1db; flex: 1; min-width: 240px; line-height: 1.5; }
.cookie-text a { color: var(--gold); text-decoration: underline; }
.cookie-btns { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-btn {
  padding: 8px 20px;
  border-radius: 4px;
  font-size: 0.83rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  font-family: var(--sans);
  transition: all 0.2s;
}
.cookie-accept          { background: var(--gold); color: var(--navy); }
.cookie-accept:hover    { background: #dbb530; }
.cookie-decline         { background: transparent; color: #9ca3af; border: 1px solid #374151; }
.cookie-decline:hover   { color: var(--white); border-color: #6b7280; }

/* ── PROSE (legal pages) ── */
.prose { max-width: 760px; margin: 0 auto; padding: 60px 24px 80px; }
.prose h2 { margin-top: 44px; margin-bottom: 14px; font-size: 1.4rem; color: var(--navy); }
.prose h3 { margin-top: 28px; margin-bottom: 8px; font-size: 1.1rem; color: var(--navy); }
.prose p, .prose li   { color: #374151; line-height: 1.8; margin-bottom: 14px; }
.prose ul             { padding-left: 24px; }
.prose li             { margin-bottom: 6px; }
.prose a              { color: var(--gold); text-decoration: underline; }
.prose .last-updated  { color: var(--muted); font-size: 0.83rem; margin-bottom: 36px; }

/* ── DIVIDER ── */
.gold-divider { width: 48px; height: 3px; background: var(--gold); margin: 0 auto 32px; border-radius: 2px; }

/* ── PRINCIPLE CARDS (Money Principles page) ── */
.principles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 28px;
  margin-top: 48px;
}
.principle-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  border-top: 3px solid var(--gold);
  transition: box-shadow 0.2s, transform 0.2s;
}
.principle-item:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.principle-number {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--gold);
  font-family: var(--serif);
  line-height: 1;
  margin-bottom: 12px;
}
.principle-item h3 { font-size: 1.1rem; margin-bottom: 10px; }
.principle-item p  { font-size: 0.95rem; color: var(--muted); margin: 0; }

/* ── HABIT CARDS (Smart Money Habits page) ── */
.habits-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 48px;
}
.habit-item {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 20px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  transition: box-shadow 0.2s;
}
.habit-item:hover { box-shadow: var(--shadow); }
.habit-icon {
  width: 48px; height: 48px;
  background: var(--gold-pale);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.habit-body h3 { font-size: 1.05rem; margin-bottom: 6px; }
.habit-body p  { font-size: 0.93rem; color: var(--muted); margin: 0; }

/* ── INVESTING BASICS ── */
.basics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.basics-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.basics-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.basics-icon { font-size: 2rem; margin-bottom: 14px; }
.basics-card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.basics-card p  { font-size: 0.93rem; color: var(--muted); margin: 0; }
.basics-card.highlight { border-top: 3px solid var(--gold); }

/* ── WEALTH BUILDING ── */
.wealth-steps {
  counter-reset: wealth-step;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 48px;
}
.wealth-step {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 24px;
  align-items: flex-start;
  padding: 28px 0;
  border-bottom: 1px solid var(--border);
}
.wealth-step:last-child { border-bottom: none; }
.wealth-step-num {
  counter-increment: wealth-step;
  width: 52px; height: 52px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  font-family: var(--serif);
  flex-shrink: 0;
}
.wealth-step h3 { margin-bottom: 8px; font-size: 1.15rem; }
.wealth-step p  { font-size: 0.93rem; color: var(--muted); margin: 0; }

/* ── DISCLAIMER PAGE ── */
.disclaimer-box {
  background: #fff8e7;
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  padding: 32px 36px;
  margin-bottom: 40px;
}
.disclaimer-box p { margin-bottom: 0; font-size: 0.98rem; color: var(--ink); }
.disclaimer-box strong { color: var(--navy); }

/* ── DISCLAIMER PREVIEW STRIP (homepage) ── */
.disclaimer-strip {
  background: var(--navy);
  border-top: 2px solid rgba(201,162,39,0.30);
  padding: 28px 0;
  text-align: center;
}
.disclaimer-strip p {
  color: #7a8fa8;
  font-size: 0.83rem;
  max-width: 780px;
  margin: 0 auto 10px;
  line-height: 1.6;
}
.disclaimer-strip a { color: var(--gold); text-decoration: underline; }

/* ── YOUTUBE PAGE ── */
.yt-page-hero { background: #ff0000; color: var(--white); }
.yt-page-hero h1, .yt-page-hero p { color: var(--white); }
.yt-channel-card {
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(15,31,61,0.12);
  overflow: hidden;
  max-width: 720px;
  margin: 0 auto;
}
.yt-channel-card-banner {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
}
.yt-channel-card-body {
  padding: 32px 36px 36px;
  text-align: center;
}
.yt-channel-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  margin: -56px auto 16px;
  border: 4px solid var(--white);
  object-fit: cover;
  background: var(--navy);
}
.yt-topics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
  margin-top: 40px;
}
.yt-topic-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
}
.yt-topic-card .yt-topic-icon { font-size: 2rem; margin-bottom: 10px; }
.yt-topic-card h4 { font-size: 1rem; margin-bottom: 6px; }
.yt-topic-card p { font-size: 0.88rem; color: var(--muted); margin: 0; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .articles-grid { grid-template-columns: repeat(2, 1fr); }
  .topics-grid   { grid-template-columns: repeat(3, 1fr); }
  .footer-grid   { grid-template-columns: 1fr 1fr; }
  .about-grid    { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  .hero-banner-img  { height: 100px; }
  .hero-content     { padding: 36px 20px 52px; }
  .philosophy-grid { grid-template-columns: 1fr; gap: 32px; }
  .articles-grid   { grid-template-columns: 1fr; }
  .topics-grid     { grid-template-columns: repeat(2, 1fr); }
  .footer-grid     { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom   { flex-direction: column; align-items: flex-start; }
  .footer-legal    { flex-wrap: wrap; }
  .about-stat-grid { grid-template-columns: repeat(2, 1fr); }
  .book-grid       { grid-template-columns: 1fr; }
  .principle-grid  { grid-template-columns: 1fr; }
  .yt-card         { padding: 40px 24px; }
  .cookie-btns     { width: 100%; justify-content: flex-end; }

  .nav-links {
    display: none;
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 16px 20px;
    border-top: 1px solid rgba(255,255,255,0.08);
    gap: 2px;
    list-style: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a    { padding: 10px 12px; display: block; }
  .nav-toggle     { display: flex; }
  /* Dropdown on mobile: inline expand */
  .nav-dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    border-top: 1px solid rgba(255,255,255,0.06);
    border-radius: 0;
    background: rgba(255,255,255,0.04);
    display: none;
    min-width: 0;
  }
  .has-dropdown.open .nav-dropdown { display: block; }
  .dropdown-toggle {
    width: 100%;
    justify-content: space-between;
    padding: 10px 12px;
    color: #c9d1db;
    font-size: 0.88rem;
  }
  .nav-dropdown li a { padding: 9px 24px; font-size: 0.84rem; }
  .nav-dropdown li a:hover { padding-left: 28px; }
}

@media (max-width: 480px) {
  .hero-btns      { flex-direction: column; align-items: center; }
  .topics-grid    { grid-template-columns: repeat(2, 1fr); }
  .about-stat-grid{ grid-template-columns: 1fr; }
  .yt-card        { padding: 32px 20px; }
}