/* ============================================================
   Onyx Bolt — The Vault Ledger | css/style.css
   Design: Slate Lock (onyx-anthracite + indigo-storm + muted bronze)
   ============================================================ */

/* --- Fonts (self-hosted WOFF2 in fonts/) --- */
@font-face {
  font-family: 'Hanken Grotesk';
  src: url('../fonts/HankenGrotesk-SemiBold.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Hanken Grotesk';
  src: url('../fonts/HankenGrotesk-Bold.woff2') format('woff2');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Spectral';
  src: url('../fonts/Spectral-Regular.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Spectral';
  src: url('../fonts/Spectral-Medium.woff2') format('woff2');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Spectral';
  src: url('../fonts/Spectral-SemiBold.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

/* --- CSS Variables --- */
:root {
  --primary:    #1b1f24;
  --secondary:  #3a4149;
  --accent:     #4a3f78;
  --accent-2:   #9a8565;
  --bg:         #eef0f1;
  --surface:    #f8f9f9;
  --text:       #15181b;
  --text-muted: #555c63;
  --border:     #d4d7da;
  --radius:     4px;
  --radius-md:  8px;
  --shadow:     0 2px 8px rgba(27,31,36,0.08);
  --shadow-md:  0 4px 16px rgba(27,31,36,0.12);
  --header-h:   64px;
  --container:  1160px;
  --transition: 0.2s ease;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
html, body { overflow-x: hidden; max-width: 100%; }
body {
  font-family: 'Spectral', Georgia, 'Times New Roman', serif;
  font-weight: 400;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  min-height: 100vh;
}
img, video, iframe, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--accent); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--primary); }
ul, ol { list-style: none; }
input, textarea, select, button { font-family: inherit; font-size: 1rem; max-width: 100%; box-sizing: border-box; }
table { border-collapse: collapse; }
button { cursor: pointer; border: none; background: none; }

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Hanken Grotesk', 'Arial', sans-serif;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.25;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(1.75rem, 4vw, 3rem); }
h2 { font-size: clamp(1.4rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.15rem, 2.2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p { margin-bottom: 1rem; color: var(--text); }
p:last-child { margin-bottom: 0; }
strong { font-weight: 600; }

/* --- Layout --- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}
.section { padding: 64px 0; }
.section-sm { padding: 40px 0; }
.section-dark {
  background: var(--primary);
  color: var(--surface);
}
.section-dark h2, .section-dark h3 { color: var(--surface); }
.section-surface { background: var(--surface); }
.section-accent { background: var(--accent); color: #fff; }
.section-accent h2, .section-accent h3 { color: #fff; }

/* --- Kicker / Eyebrow --- */
.kicker {
  display: inline-block;
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 0.5rem;
}
.section-dark .kicker { color: var(--accent-2); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--primary);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  height: var(--header-h);
  display: flex;
  align-items: center;
}
.site-header .container {
  display: flex;
  align-items: center;
  gap: 24px;
  height: 100%;
}
.site-logo {
  flex-shrink: 0;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.site-logo .logo-name {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--surface);
  letter-spacing: -0.03em;
}
.site-logo .logo-sub {
  font-family: 'Spectral', serif;
  font-size: 0.65rem;
  color: var(--accent-2);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.main-nav {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
}
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.main-nav ul li a {
  display: block;
  padding: 8px 14px;
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: rgba(248,249,249,0.75);
  text-decoration: none;
  transition: color var(--transition);
  white-space: nowrap;
}
.main-nav ul li a:hover,
.main-nav ul li a[aria-current="page"] {
  color: var(--surface);
}
.header-contact {
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 2px;
}
.header-phone {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--surface);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.header-phone:hover { color: var(--accent-2); }
.header-hours {
  font-size: 0.65rem;
  color: rgba(248,249,249,0.5);
  white-space: nowrap;
}
.mobile-menu-toggle {
  display: none;
  padding: 10px;
  color: var(--surface);
  background: none;
  border: none;
  cursor: pointer;
  flex-shrink: 0;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
}
.mobile-menu-toggle svg { width: 22px; height: 22px; }

/* ============================================================
   HERO — Ledger Stacked Ticker
   ============================================================ */
.ledger-hero {
  position: relative;
  background: var(--primary);
  min-height: 480px;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 60px 0;
}
.vault-rings {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: min(800px, 130%);
  height: min(800px, 130%);
  pointer-events: none;
  flex-shrink: 0;
}
.ledger-hero .container { position: relative; z-index: 2; }
.hero-dateline {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 8px;
}
.hero-rule {
  border: none;
  border-top: 1px solid rgba(154,133,101,0.3);
  margin: 16px 0;
}
.hero-headline {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.5rem);
  color: var(--surface);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 12px;
  max-width: 760px;
}
.hero-subhead {
  font-family: 'Spectral', serif;
  font-size: clamp(1rem, 1.8vw, 1.2rem);
  color: rgba(248,249,249,0.72);
  max-width: 580px;
  margin-bottom: 36px;
  line-height: 1.6;
}
.ticker-stack {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid rgba(154,133,101,0.25);
}
.ticker-item {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 16px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(154,133,101,0.15);
  text-decoration: none;
  transition: background var(--transition);
}
.ticker-item:hover { background: rgba(74,63,120,0.12); margin: 0 -12px; padding-left: 12px; padding-right: 12px; border-radius: var(--radius); }
.ticker-cat {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-2);
  white-space: nowrap;
  min-width: 90px;
}
.ticker-title {
  font-family: 'Spectral', serif;
  font-size: 1rem;
  color: var(--surface);
  font-weight: 500;
  line-height: 1.4;
}
.ticker-arrow {
  color: rgba(154,133,101,0.6);
  font-size: 1.1rem;
  transition: color var(--transition), transform var(--transition);
}
.ticker-item:hover .ticker-arrow { color: var(--accent-2); transform: translateX(4px); }

/* ============================================================
   TOPIC GRID
   ============================================================ */
.topic-grid { background: var(--surface); padding: 60px 0; }
.topic-grid .container { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.topic-tile {
  background: var(--primary);
  border-radius: var(--radius-md);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  display: block;
  transition: transform var(--transition), box-shadow var(--transition);
}
.topic-tile:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.topic-tile::before {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 140px; height: 140px;
  background: var(--accent);
  border-radius: 50%;
  transform: translate(40%, 40%);
  opacity: 0.35;
}
.topic-tile .tile-kicker {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 12px;
}
.topic-tile h3 {
  font-size: 1.55rem;
  color: var(--surface);
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
}
.topic-tile p {
  color: rgba(248,249,249,0.7);
  font-size: 0.95rem;
  position: relative;
  z-index: 1;
  margin-bottom: 20px;
}
.topic-tile .tile-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
  color: var(--accent-2);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  position: relative;
  z-index: 1;
}

/* ============================================================
   READER QUESTIONS
   ============================================================ */
.reader-questions { background: var(--bg); padding: 60px 0; }
.reader-questions .section-header { text-align: center; margin-bottom: 44px; }
.reader-questions .section-header h2 { margin-bottom: 10px; }
.questions-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.question-card {
  background: var(--surface);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  border-left: 3px solid var(--accent);
  box-shadow: var(--shadow);
}
.question-card .q-mark {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  color: var(--accent);
  opacity: 0.3;
  line-height: 1;
  margin-bottom: 8px;
}
.question-card h4 {
  font-size: 1rem;
  color: var(--primary);
  margin-bottom: 10px;
  line-height: 1.4;
}
.question-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 12px;
}
.question-card a {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  text-decoration: none;
  color: var(--accent);
}
.question-card a:hover { text-decoration: underline; }

/* ============================================================
   SAVINGS CHECK
   ============================================================ */
.savings-check { background: var(--surface); padding: 60px 0; }
.savings-check .container { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.savings-check-intro h2 { margin-bottom: 14px; }
.savings-check-intro p { color: var(--text-muted); font-size: 0.98rem; margin-bottom: 20px; }
.checklist { display: flex; flex-direction: column; gap: 14px; }
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 18px;
  background: var(--bg);
  border-radius: var(--radius-md);
}
.checklist-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}
.checklist-icon svg { width: 14px; height: 14px; stroke: #fff; }
.checklist-text h4 { font-size: 0.95rem; color: var(--primary); margin-bottom: 3px; }
.checklist-text p { font-size: 0.85rem; color: var(--text-muted); margin: 0; }

/* ============================================================
   BANK VAULT
   ============================================================ */
.bank-vault {
  position: relative;
  background: var(--secondary);
  padding: 64px 0;
  overflow: hidden;
}
.bank-vault .vault-rings {
  opacity: 0.05;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 900px;
  height: 900px;
}
.bank-vault .container { position: relative; z-index: 2; }
.bank-vault .section-header { margin-bottom: 36px; }
.bank-vault .section-header .kicker { color: var(--accent-2); }
.bank-vault .section-header h2 { color: var(--surface); }
.bank-vault .section-header p { color: rgba(248,249,249,0.65); max-width: 640px; }
.banks-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.bank-card {
  background: rgba(248,249,249,0.06);
  border: 1px solid rgba(248,249,249,0.1);
  border-radius: var(--radius-md);
  padding: 20px 18px;
  transition: background var(--transition);
}
.bank-card:hover { background: rgba(248,249,249,0.1); }
.bank-card .bank-name {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--surface);
  margin-bottom: 6px;
}
.bank-card .bank-type {
  font-size: 0.78rem;
  color: rgba(248,249,249,0.5);
}
.vault-disclaimer {
  background: rgba(248,249,249,0.04);
  border: 1px solid rgba(154,133,101,0.2);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: 0.8rem;
  color: rgba(248,249,249,0.55);
  line-height: 1.7;
  margin-top: 4px;
}
.vault-disclaimer strong { color: rgba(248,249,249,0.75); font-weight: 600; }

/* ============================================================
   DISPATCH FEED
   ============================================================ */
.dispatch-feed { background: var(--bg); padding: 60px 0; }
.section-header { margin-bottom: 40px; }
.section-header h2 { margin-bottom: 8px; }
.section-header p { color: var(--text-muted); max-width: 560px; }
.dispatch-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.dispatch-card {
  background: var(--surface);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
}
.dispatch-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.dispatch-card-body { padding: 24px 22px; flex: 1; }
.dispatch-card-cat {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 10px;
  display: block;
}
.dispatch-card h3 { font-size: 1.05rem; margin-bottom: 10px; line-height: 1.4; }
.dispatch-card h3 a { color: var(--primary); text-decoration: none; }
.dispatch-card h3 a:hover { color: var(--accent); }
.dispatch-card p { font-size: 0.88rem; color: var(--text-muted); margin: 0; }
.dispatch-card-footer {
  padding: 14px 22px;
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 10px;
}
.author-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.author-meta { font-size: 0.78rem; color: var(--text-muted); }
.author-meta strong { color: var(--text); font-weight: 600; font-family: 'Hanken Grotesk', sans-serif; }

/* ============================================================
   EDITORS STRIP
   ============================================================ */
.the-editors-strip {
  background: var(--primary);
  padding: 40px 0;
}
.the-editors-strip .container {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.editors-label {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-2);
  white-space: nowrap;
  flex-shrink: 0;
}
.editors-rule {
  flex-shrink: 0;
  width: 1px;
  height: 48px;
  background: rgba(154,133,101,0.25);
}
.editors-list {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  flex: 1;
}
.editor-item {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.editor-item img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(154,133,101,0.3);
  flex-shrink: 0;
}
.editor-info { display: flex; flex-direction: column; }
.editor-name {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--surface);
}
.editor-role {
  font-size: 0.72rem;
  color: rgba(248,249,249,0.5);
}
.editors-cta {
  margin-left: auto;
  flex-shrink: 0;
}

/* ============================================================
   SUBSCRIBE CTA
   ============================================================ */
.subscribe-cta {
  background: var(--surface);
  padding: 60px 0;
  border-top: 1px solid var(--border);
}
.subscribe-cta .container {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
}
.cta-text h2 { margin-bottom: 8px; }
.cta-text p { color: var(--text-muted); max-width: 480px; margin: 0; }
.cta-actions { display: flex; gap: 12px; align-items: center; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  text-decoration: none;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), transform var(--transition);
  min-height: 44px;
  min-width: 44px;
  white-space: nowrap;
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--accent);
  color: #ffffff; /* contrast ~9.2:1 */
  border-color: var(--accent);
}
.btn-primary:hover {
  background: #3d3463;
  border-color: #3d3463;
  color: #ffffff;
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
}
.btn-outline:hover {
  background: var(--accent);
  color: #ffffff;
  transform: translateY(-1px);
}
.btn-ghost {
  background: transparent;
  color: var(--surface);
  border-color: rgba(248,249,249,0.3);
}
.btn-ghost:hover {
  border-color: var(--accent-2);
  color: var(--accent-2);
}

/* ============================================================
   DISPATCH / ARTICLE PAGE
   ============================================================ */
.dispatch-masthead {
  background: var(--primary);
  padding: 48px 0 40px;
}
.dispatch-breadcrumb { display: none; } /* no breadcrumbs per spec */
.dispatch-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.dispatch-cat-badge {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: var(--radius);
}
.dispatch-issue {
  font-family: 'Hanken Grotesk', sans-serif;
  font-size: 0.72rem;
  color: rgba(248,249,249,0.45);
  letter-spacing: 0.08em;
}
.dispatch-masthead h1 {
  color: var(--surface);
  font-size: clamp(1.6rem, 4vw, 2.8rem);
  margin-bottom: 14px;
  max-width: 760px;
}
.dispatch-lead {
  font-family: 'Spectral', serif;
  font-size: 1.1rem;
  color: rgba(248,249,249,0.7);
  max-width: 640px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.dispatch-byline {
  display: flex;
  align-items: center;
  gap: 12px;
}
.dispatch-byline img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(154,133,101,0.35);
  flex-shrink: 0;
}
.byline-text { display: flex; flex-direction: column; gap: 2px; }
.byline-name {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--surface);
}
.byline-role { font-size: 0.78rem; color: rgba(248,249,249,0.5); }
.byline-date { font-size: 0.78rem; color: rgba(248,249,249,0.4); margin-left: 8px; }
.dispatch-body {
  max-width: 720px;
  margin: 0 auto;
  padding: 48px 20px 64px;
}
.dispatch-body h2 {
  margin-top: 40px;
  margin-bottom: 16px;
  padding-top: 8px;
  border-top: 1px solid var(--border);
}
.dispatch-body h2:first-child { margin-top: 0; border-top: none; }
.dispatch-body p { font-size: 1rem; line-height: 1.8; color: var(--text); margin-bottom: 1.2rem; }
.dispatch-body ul, .dispatch-body ol { padding-left: 1.5rem; margin-bottom: 1.2rem; }
.dispatch-body ul { list-style: disc; }
.dispatch-body ol { list-style: decimal; }
.dispatch-body li { margin-bottom: 0.5rem; color: var(--text); line-height: 1.7; }
.dispatch-body blockquote {
  border-left: 3px solid var(--accent-2);
  padding: 16px 20px;
  margin: 28px 0;
  background: var(--surface);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-style: italic;
  color: var(--text-muted);
}
.dispatch-callout {
  background: rgba(74,63,120,0.07);
  border: 1px solid rgba(74,63,120,0.15);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  margin: 28px 0;
}
.dispatch-callout h4 {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 10px;
}
.dispatch-callout p { font-size: 0.95rem; margin: 0; }
.does-not-do-box {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  margin: 36px 0;
}
.does-not-do-box h4 {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 10px;
}
.does-not-do-box ul { list-style: none; padding: 0; margin: 0; }
.does-not-do-box li {
  padding: 5px 0 5px 20px;
  position: relative;
  font-size: 0.9rem;
  color: var(--text-muted);
}
.does-not-do-box li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--accent-2);
}
.dispatch-author-footer {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 28px 0 0;
  margin-top: 40px;
  border-top: 1px solid var(--border);
}
.dispatch-author-footer img {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.author-footer-text h4 { font-size: 1rem; margin-bottom: 3px; }
.author-footer-text p { font-size: 0.85rem; color: var(--text-muted); margin: 0; }

/* ============================================================
   COMPARE TABLE
   ============================================================ */
.compare-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  margin: 28px 0;
}
.compare-table {
  width: 100%;
  min-width: 560px;
  background: var(--surface);
}
.compare-table th {
  background: var(--primary);
  color: var(--surface);
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 14px 18px;
  text-align: left;
}
.compare-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  font-size: 0.92rem;
  color: var(--text);
  vertical-align: top;
}
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--bg); }
.compare-table a { font-size: 0.85rem; }
.bank-questions { font-size: 0.85rem; color: var(--text-muted); font-style: italic; }

/* Mobile: cards for compare table */
@media (max-width: 640px) {
  .compare-table-wrap { border: none; border-radius: 0; overflow: visible; }
  .compare-table { min-width: unset; display: block; }
  .compare-table thead { display: none; }
  .compare-table tbody { display: flex; flex-direction: column; gap: 16px; }
  .compare-table tr {
    display: block;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    overflow: hidden;
  }
  .compare-table td {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.88rem;
    border-bottom: 1px solid var(--border);
    padding: 12px 16px;
  }
  .compare-table td:last-child { border-bottom: none; }
  .compare-table td::before {
    content: attr(data-label);
    font-family: 'Hanken Grotesk', sans-serif;
    font-weight: 600;
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-muted);
    white-space: nowrap;
    flex-shrink: 0;
  }
}

/* ============================================================
   GLOSSARY
   ============================================================ */
.glossary-index {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 36px;
}
.glossary-index a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--primary);
  text-decoration: none;
  transition: background var(--transition), color var(--transition);
}
.glossary-index a:hover {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.glossary-letter {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--accent);
  margin: 40px 0 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--border);
}
.glossary-letter:first-of-type { margin-top: 0; }
.glossary-entry { margin-bottom: 20px; }
.glossary-term {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--primary);
  margin-bottom: 4px;
}
.glossary-def { font-size: 0.95rem; color: var(--text); line-height: 1.7; }

/* ============================================================
   CONTACT FORM
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 56px;
  align-items: start;
}
.contact-info-block h3 { margin-bottom: 16px; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 18px;
}
.contact-detail-icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  background: var(--accent);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
}
.contact-detail-icon svg { width: 18px; height: 18px; stroke: #fff; }
.contact-detail-text { display: flex; flex-direction: column; gap: 2px; }
.contact-detail-label {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
}
.contact-detail-value { font-size: 0.95rem; color: var(--text); }
.contact-detail-value a { color: var(--accent); }
.contact-form { background: var(--surface); border-radius: var(--radius-md); padding: 36px 32px; border: 1px solid var(--border); }
.contact-form h3 { margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-label {
  display: block;
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.form-control {
  display: block;
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--bg);
  color: var(--text);
  font-size: 1rem; /* ≥16px prevents zoom on iOS */
  font-family: 'Spectral', serif;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}
.form-control:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(74,63,120,0.12);
}
textarea.form-control { resize: vertical; min-height: 120px; }
.honeypot-field { display: none !important; position: absolute; left: -9999px; }
.form-submit { width: 100%; margin-top: 8px; }
.form-note { font-size: 0.8rem; color: var(--text-muted); margin-top: 12px; }

/* ============================================================
   LEGAL / LONG-FORM
   ============================================================ */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 56px 20px 80px;
}
.legal-content h1 { margin-bottom: 6px; }
.legal-effective { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 40px; }
.legal-content h2 {
  margin-top: 40px;
  margin-bottom: 14px;
  font-size: 1.2rem;
  border-top: 1px solid var(--border);
  padding-top: 16px;
}
.legal-content h2:first-of-type { border-top: none; padding-top: 0; margin-top: 0; }
.legal-content p { font-size: 0.95rem; line-height: 1.8; }
.legal-content ul { padding-left: 1.4rem; list-style: disc; margin-bottom: 1rem; }
.legal-content li { margin-bottom: 0.5rem; font-size: 0.95rem; line-height: 1.7; }
.legal-content a { color: var(--accent); }

/* ============================================================
   PAGE HEADER (for inner pages)
   ============================================================ */
.page-hero {
  background: var(--primary);
  padding: 56px 0 48px;
  position: relative;
  overflow: hidden;
}
.page-hero .vault-rings {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  opacity: 0.04;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero .kicker { display: block; margin-bottom: 10px; }
.page-hero h1 { color: var(--surface); margin-bottom: 14px; }
.page-hero p { color: rgba(248,249,249,0.65); max-width: 600px; font-size: 1rem; margin: 0; }

/* ============================================================
   DISPATCHES INDEX
   ============================================================ */
.rubric-section { padding: 56px 0; }
.rubric-label {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 28px;
}
.rubric-label h2 { margin: 0; }
.rubric-label .kicker { margin: 0; }
.dispatch-list { display: flex; flex-direction: column; gap: 1px; }
.dispatch-list-item {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
  transition: padding-left var(--transition);
}
.dispatch-list-item:first-child { border-top: 1px solid var(--border); }
.dispatch-list-item:hover { padding-left: 8px; }
.dispatch-list-item h3 {
  font-size: 1rem;
  color: var(--primary);
  margin-bottom: 4px;
  transition: color var(--transition);
}
.dispatch-list-item:hover h3 { color: var(--accent); }
.dispatch-list-item .meta { font-size: 0.78rem; color: var(--text-muted); }
.dispatch-list-item .list-arrow { color: var(--text-muted); font-size: 1.1rem; transition: transform var(--transition); }
.dispatch-list-item:hover .list-arrow { transform: translateX(4px); color: var(--accent); }

/* ============================================================
   MAILBAG
   ============================================================ */
.mailbag-items { display: flex; flex-direction: column; gap: 0; }
.mailbag-item {
  padding: 32px 0;
  border-bottom: 1px solid var(--border);
}
.mailbag-item:first-child { border-top: 1px solid var(--border); }
.mailbag-q {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--primary);
  margin-bottom: 6px;
}
.mailbag-q-meta { font-size: 0.8rem; color: var(--text-muted); margin-bottom: 12px; }
.mailbag-a { font-size: 0.98rem; color: var(--text); line-height: 1.75; }
.mailbag-a p { margin-bottom: 0.8rem; }
.mailbag-a p:last-child { margin: 0; }

/* ============================================================
   SAVINGS/SPENDING LEDGER PAGES
   ============================================================ */
.ledger-intro { max-width: 680px; }
.ledger-intro p { color: var(--text-muted); font-size: 1rem; margin-bottom: 12px; }
.rubric-intro { font-size: 0.95rem; color: var(--text-muted); margin-bottom: 36px; max-width: 640px; }

/* ============================================================
   EDITORS PAGE
   ============================================================ */
.editors-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.editor-card {
  display: flex;
  gap: 20px;
  padding: 28px;
  background: var(--surface);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  align-items: flex-start;
}
.editor-card img {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.editor-card-text h3 { font-size: 1.05rem; margin-bottom: 4px; }
.editor-card-text .role {
  font-family: 'Hanken Grotesk', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--accent-2);
  margin-bottom: 10px;
}
.editor-card-text p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; margin: 0; }

/* ============================================================
   404 / THANK YOU
   ============================================================ */
.status-page {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 20px;
}
.status-page-inner { max-width: 480px; }
.status-code {
  font-family: 'Hanken Grotesk', sans-serif;
  font-size: 6rem;
  font-weight: 700;
  color: var(--accent);
  opacity: 0.2;
  line-height: 1;
  margin-bottom: 8px;
}
.status-page h1 { margin-bottom: 14px; }
.status-page p { color: var(--text-muted); margin-bottom: 28px; }

/* ============================================================
   DISCLAIMER BLOCKS
   ============================================================ */
.disclaimer-box {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent-2);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin: 20px 0;
}
.disclaimer-box strong { color: var(--text); font-weight: 600; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--primary);
  padding: 56px 0 0;
  color: rgba(248,249,249,0.65);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(248,249,249,0.08);
}
.footer-brand .logo-name {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--surface);
  letter-spacing: -0.03em;
  display: block;
  margin-bottom: 4px;
}
.footer-brand .logo-sub {
  font-size: 0.7rem;
  color: var(--accent-2);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 14px;
}
.footer-brand p { font-size: 0.85rem; line-height: 1.65; margin-bottom: 16px; }
.footer-contact-list { list-style: none; }
.footer-contact-list li { margin-bottom: 8px; font-size: 0.85rem; }
.footer-contact-list a { color: rgba(248,249,249,0.65); text-decoration: none; }
.footer-contact-list a:hover { color: var(--accent-2); }
.footer-col h4 {
  font-family: 'Hanken Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(248,249,249,0.45);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(248,249,249,0.65);
  text-decoration: none;
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--surface); }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom-text { font-size: 0.78rem; color: rgba(248,249,249,0.4); }
.footer-legal-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-legal-links a { font-size: 0.78rem; color: rgba(248,249,249,0.4); text-decoration: none; }
.footer-legal-links a:hover { color: rgba(248,249,249,0.7); }
.footer-disclaimer {
  background: rgba(0,0,0,0.2);
  padding: 16px 0;
  font-size: 0.78rem;
  color: rgba(248,249,249,0.35);
  line-height: 1.7;
  text-align: center;
}

/* ============================================================
   UTILITIES
   ============================================================ */
.text-center { text-align: center; }
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.mb-24 { margin-bottom: 24px; }
.mb-40 { margin-bottom: 40px; }
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   MOBILE-FIRST RESPONSIVE
   ============================================================ */

/* 320px — absolute minimum */
@media (max-width: 374px) {
  .container { padding: 0 12px; }
  .header-hours { display: none; }
  .ledger-hero { min-height: 440px; padding: 40px 0; }
  .hero-headline { font-size: 1.75rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
}

/* 375px */
@media (max-width: 479px) {
  .topic-grid .container { grid-template-columns: 1fr; }
  .questions-grid { grid-template-columns: 1fr; }
  .dispatch-grid { grid-template-columns: 1fr; }
  .savings-check .container { grid-template-columns: 1fr; gap: 36px; }
  .subscribe-cta .container { grid-template-columns: 1fr; }
  .cta-actions { flex-direction: column; align-items: stretch; }
  .cta-actions .btn { width: 100%; justify-content: center; }
  .contact-grid { grid-template-columns: 1fr; }
  .editors-grid { grid-template-columns: 1fr; }
  .banks-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
}

/* 768px — tablet breakpoint (hamburger) */
@media (max-width: 767px) {
  .main-nav {
    display: none;
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--primary);
    border-bottom: 1px solid rgba(255,255,255,0.08);
    padding: 16px 0;
    z-index: 199;
  }
  .main-nav.is-open { display: block; }
  .main-nav ul { flex-direction: column; gap: 0; }
  .main-nav ul li a {
    padding: 12px 20px;
    font-size: 0.9rem;
  }
  .mobile-menu-toggle { display: flex; }
  .header-contact { display: none; }
  .header-phone-mobile { display: block; }
  .site-header .container { position: relative; }
  .site-header .container { justify-content: space-between; }
  .dispatch-grid { grid-template-columns: 1fr 1fr; }
  .questions-grid { grid-template-columns: 1fr; }
  .savings-check .container { grid-template-columns: 1fr; gap: 32px; }
  .editors-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .footer-brand { grid-column: 1 / -1; }
  .dispatch-body { padding: 32px 0 48px; }
  .legal-content { padding: 40px 0 60px; }
}

/* 480px — small phone → 1col dispatches */
@media (max-width: 480px) {
  .dispatch-grid { grid-template-columns: 1fr; }
  .topic-grid .container { grid-template-columns: 1fr; }
}

/* 1024px — laptop */
@media (max-width: 1023px) {
  .banks-grid { grid-template-columns: repeat(4, 1fr); }
  .the-editors-strip .container { gap: 20px; }
}

/* 1280px — wide */
@media (min-width: 1280px) {
  .dispatch-body { max-width: 760px; }
}

/* 1920px — ultrawide */
@media (min-width: 1920px) {
  :root { --container: 1320px; }
}

/* ============================================================
   AVATAR FALLBACK (broken images show initials placeholder)
   ============================================================ */
img.author-avatar, .editor-card img, .dispatch-byline img, .dispatch-author-footer img {
  background: var(--secondary);
  color: transparent;
}
img.author-avatar::after, .editor-card img::after {
  content: attr(alt);
  display: block;
  font-size: 0.6rem;
  text-align: center;
  color: rgba(255,255,255,0.5);
}

/* Prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
  html { scroll-behavior: auto; }
}