:root{
--navy:#0a0f1f;
--ink:#12182b;
--ink-2:#1f2740;
--muted:#5c6578;
--muted-2:#8891a4;
--paper:#ffffff;
--soft:#f7f8fb;
--soft-2:#eef1f8;
--line:#e3e6ee;
--accent:#0d7a68;
--accent-dark:#085c4e;
--accent-soft:#e5f4f0;
--gold:#a8792f;
--gold-soft:#f6efe1;
--max:1120px;
--radius:14px;
--display:'Fraunces',Georgia,serif;
--serif:'Source Serif 4',Georgia,serif;
--sans:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
--cat:var(--accent);
--cat-soft:var(--accent-soft);

--cat-personal-growth:#4f5fad; --cat-personal-growth-soft:#eceefa;
--cat-money:#0d7a68; --cat-money-soft:#e5f4f0;
--cat-business:#af4f2b; --cat-business-soft:#f8ece5;
--cat-career:#2c6a93; --cat-career-soft:#e8f1f7;
--cat-investing:#6a4c93; --cat-investing-soft:#eee8f6;
--cat-ph-guides:#445576; --cat-ph-guides-soft:#e9edf4;
--cat-success-stories:#a8792f; --cat-success-stories-soft:#f6efe1;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.7}
a{color:inherit}
.container{max-width:var(--max);margin:auto;padding:0 22px}
.topbar{background:var(--navy);color:#c7d0e2;font-size:12px;letter-spacing:.02em}
.topbar .container{display:flex;justify-content:space-between;padding-top:9px;padding-bottom:9px}

/* ---------- header / #site-nav ---------- */
header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(227,230,238,.9);box-shadow:0 2px 20px rgba(10,15,31,.05);z-index:30}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;position:relative}
.brand{font-family:var(--display);font-weight:700;font-size:23px;letter-spacing:-.5px;text-decoration:none;color:var(--navy)}
.brand span{color:var(--accent)}
#site-nav{display:flex;gap:22px;flex-wrap:wrap;justify-content:flex-end;align-items:center}
#site-nav a{text-decoration:none;font-weight:600;font-size:14px;color:#4a5268;transition:color .15s ease;position:relative;padding:4px 0}
#site-nav a:hover,#site-nav a[aria-current="page"]{color:var(--accent)}
#site-nav a[aria-current="page"]::after{content:"";position:absolute;left:0;right:0;bottom:-4px;height:2px;background:var(--accent);border-radius:2px}
.nav-toggle{display:none;width:40px;height:40px;border-radius:9px;border:1px solid var(--line);background:#fff;align-items:center;justify-content:center;cursor:pointer}
.nav-toggle svg{width:19px;height:19px}
.nav-toggle .icon-close{display:none}
.nav-toggle[aria-expanded="true"] .icon-open{display:none}
.nav-toggle[aria-expanded="true"] .icon-close{display:block}

/* ---------- hero ---------- */
.hero{position:relative;padding:88px 0 72px;background:linear-gradient(160deg,var(--soft-2) 0%,#fff 62%);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle,rgba(10,15,31,.06) 1px,transparent 1px);background-size:22px 22px;-webkit-mask-image:linear-gradient(160deg,rgba(0,0,0,.5),transparent 70%);mask-image:linear-gradient(160deg,rgba(0,0,0,.5),transparent 70%)}
.hero .container{position:relative}
.hero h1{font-family:var(--display);font-size:clamp(38px,5.4vw,66px);line-height:1.05;letter-spacing:-1.5px;margin:0 0 22px;max-width:850px;color:var(--navy);font-weight:700}
.hero p{font-size:19px;color:var(--muted);max-width:660px}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;padding:13px 22px;border-radius:10px;font-weight:700;margin-top:16px;box-shadow:0 10px 24px rgba(13,122,104,.22);transition:transform .15s ease,background .15s ease}
.btn:hover{background:var(--accent-dark);transform:translateY(-1px)}

/* ---------- sections / cards ---------- */
.section{padding:58px 0}
.section h2{font-family:var(--display);font-size:32px;letter-spacing:-.5px;margin:0 0 8px;color:var(--navy);font-weight:700}
.section-intro{color:var(--muted);max-width:720px;margin-top:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:23px;background:#fff;box-shadow:0 6px 22px rgba(10,15,31,.04);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;border-top:3px solid var(--cat)}
.card:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(10,15,31,.09);border-color:#d3d8e4}
.card h3{font-family:var(--display);font-size:19px;line-height:1.35;margin:10px 0;font-weight:600}
.card h3 a{text-decoration:none;color:var(--ink-2)}
.card h3 a:hover{color:var(--cat)}
.card p{color:var(--muted);font-size:15px}
.card a:not(h3 a){color:var(--cat);font-weight:700;text-decoration:none;font-size:14px}
.tag{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--cat)}

/* ---------- category hero ---------- */
.category-hero{padding:60px 0;background:linear-gradient(150deg,var(--cat-soft),#fff 130%);border-bottom:1px solid var(--line);border-top:4px solid var(--cat)}
.category-hero h1{font-family:var(--display);font-size:46px;line-height:1.1;letter-spacing:-1px;margin:0 0 12px;color:var(--navy);font-weight:700}
.category-hero .tag{color:var(--cat)}

/* ---------- article ---------- */
.article{max-width:760px;margin:auto;padding:66px 22px}
.article h1{font-family:var(--display);font-size:clamp(34px,4.4vw,54px);line-height:1.12;letter-spacing:-1px;margin:12px 0 20px;color:var(--navy);font-weight:700}
.article .dek{font-family:var(--serif);font-size:19px;color:var(--ink-2);line-height:1.65}
.article-meta{display:flex;align-items:center;gap:10px;font-family:var(--sans);font-size:13px;color:var(--muted-2);margin-top:14px}
.article-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--muted-2)}
.read-time{display:inline-flex;align-items:center;gap:6px}
.read-time svg{width:14px;height:14px}
.article-body{font-family:var(--serif);font-size:18px}
.article-body h2{font-family:var(--display);font-size:27px;line-height:1.3;margin-top:46px;color:var(--navy);font-weight:600;border-left:4px solid var(--cat);padding-left:14px}
.article-body li{margin:9px 0}
.article-body .lead{font-size:20px;color:var(--ink-2)}
.sources{font-family:var(--sans);background:linear-gradient(135deg,#f6f8fb,#f8f4ea);border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:48px}
.sources h3{margin-top:0;font-family:var(--sans)}
.note{font-size:13px;color:var(--muted)}

.breadcrumbs{font-size:13px;color:var(--muted-2);margin-bottom:18px;font-family:var(--sans)}
.breadcrumbs a{color:var(--muted-2);text-decoration:none}
.breadcrumbs a:hover{color:var(--cat)}

.authorbox{font-family:var(--sans);font-size:14px;color:var(--muted);background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:26px 0 8px}
.authorbox strong{color:var(--ink);display:block;margin-bottom:2px}

/* ---------- table of contents ---------- */
.toc{font-family:var(--sans);background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 22px;margin:26px 0}
.toc summary{cursor:pointer;font-weight:700;font-size:14px;color:var(--navy);list-style:none;display:flex;align-items:center;justify-content:space-between}
.toc summary::-webkit-details-marker{display:none}
.toc summary .chev{transition:transform .2s ease;color:var(--muted-2)}
.toc summary .chev svg{width:16px;height:16px}
.toc[open] summary .chev{transform:rotate(180deg)}
.toc ol{margin:14px 0 0;padding-left:20px}
.toc li{margin:0 0 8px;font-size:14.5px}
.toc a{color:var(--muted);text-decoration:none}
.toc a:hover{color:var(--cat)}

.takeaways{font-family:var(--sans);background:var(--cat-soft);border:1px solid var(--line);border-radius:16px;padding:22px 24px;margin:26px 0}
.takeaways h2{font-size:13px;text-transform:uppercase;letter-spacing:.09em;margin:0 0 14px;color:var(--cat);border:none;padding:0;font-weight:800;font-family:var(--sans)}
.takeaways ul{margin:0;padding-left:20px}
.takeaways li{margin:0 0 10px;color:var(--ink-2);font-size:15.5px;line-height:1.55;font-family:var(--sans)}
.takeaways li:last-child{margin-bottom:0}

.bridge{font-family:var(--sans);font-size:15px;color:var(--muted);background:var(--soft);border-left:3px solid var(--gold);border-radius:10px;padding:14px 18px;margin:28px 0}
.bridge a{color:var(--accent-dark);font-weight:700;text-decoration:none;border-bottom:1px solid #bfe0d8}
.bridge a:hover{color:var(--accent)}

.promo-banner{font-family:var(--sans);position:relative;background:linear-gradient(150deg,#fffdf3,#fff3cf);border:1px solid #f6dd9e;border-top:4px solid #d64545;border-radius:16px;padding:26px 28px;margin:34px 0;box-shadow:0 10px 26px rgba(214,69,69,.12)}
.promo-label{display:inline-block;font-size:10.5px;font-weight:800;text-transform:uppercase;letter-spacing:.09em;color:#b23a3a;background:#fff;border:1px solid #f3c6c6;border-radius:20px;padding:3px 10px;margin-bottom:12px}
.promo-headline{font-weight:800;font-size:15px;line-height:1.4;color:#a52a2a;margin:0 0 8px;white-space:nowrap;letter-spacing:-.1px}
.promo-body{font-size:14.5px;line-height:1.65;color:var(--ink-2);margin:0 0 18px;max-width:620px}
.promo-cta{display:inline-block;background:#d64545;color:#fff;text-decoration:none;font-weight:800;font-size:15px;padding:12px 24px;border-radius:9px;box-shadow:0 8px 18px rgba(214,69,69,.32);transition:transform .15s ease,background .15s ease}
.promo-cta:hover{background:#b23636;transform:translateY(-1px)}

.share-row{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:26px 0;padding:16px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-family:var(--sans)}
.share-row .share-label{font-size:13px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-right:4px}
.share-btn{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--soft);border:1px solid var(--line);color:var(--ink-2);transition:background .15s ease,color .15s ease,border-color .15s ease,transform .15s ease}
.share-btn:hover{background:var(--cat);border-color:var(--cat);color:#fff;transform:translateY(-2px)}
.share-btn svg{width:17px;height:17px;fill:currentColor}
.share-btn.copied{background:var(--gold);border-color:var(--gold);color:#fff}

.related{max-width:760px;margin:60px auto 0;padding:40px 22px 0;border-top:1px solid var(--line)}
.related h2{font-family:var(--display);font-size:25px;letter-spacing:-.5px;margin:0 0 22px;color:var(--navy);font-weight:700}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.related-grid a{display:flex;flex-direction:column;gap:6px;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;background:#fff;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease;border-top:3px solid var(--cat)}
.related-grid a:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(10,15,31,.08);border-color:#d3d8e4}
.related-grid a strong{font-family:var(--sans);font-size:16px;line-height:1.35;color:var(--navy)}
.related-grid a span{font-family:var(--sans);font-size:14px;line-height:1.5;color:var(--muted)}

.newsletter{text-align:center;max-width:640px;margin:0 auto}
.newsletter h2{font-family:var(--display);font-size:29px;letter-spacing:-.5px;margin:0 0 10px;color:var(--navy);font-weight:700}
.newsletter p{color:var(--muted);font-size:17px;margin:0}

/* ---------- footer ---------- */
footer{background:var(--navy);color:#c9d2e4;margin-top:70px}
.footer-main{padding:64px 0 48px}
.footer-grid{display:grid;grid-template-columns:minmax(360px,1.7fr) minmax(150px,1fr) minmax(190px,1.2fr);gap:72px;align-items:start}
.footer-brand{display:inline-block;color:#fff;text-decoration:none;font-family:var(--display);font-size:25px;font-weight:700;letter-spacing:-.5px;margin-bottom:14px}
.footer-brand span{color:var(--accent)}
.footer-desc{max-width:390px;color:#9aa5bd;font-size:15px;line-height:1.7;margin:0 0 24px}
.footer-label{display:block;color:#fff;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.09em;margin:0 0 16px}
.footer-links{list-style:none;margin:0;padding:0}
.footer-links li{margin:0 0 11px}
.footer-links a{color:#b7c1d8;text-decoration:none;font-size:15px;transition:color .15s ease}
.footer-links a:hover{color:#fff}
.footer-support{background:linear-gradient(135deg,rgba(13,122,104,.22),rgba(168,121,47,.12));border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:18px}
.footer-support a{display:inline-block;color:#fff;text-decoration:none;font-weight:700;font-size:15px;word-break:break-word}
.footer-support p{margin:6px 0 0;color:#8b96ae;font-size:13px;line-height:1.5}
.footer-bottom{border-top:1px solid rgba(255,255,255,.09)}
.footer-bottom-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 0;color:#7c87a0;font-size:13px}
.footer-bottom-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-bottom-links a{color:#9aa5bd;text-decoration:none}
.footer-bottom-links a:hover{color:#fff}

/* ---------- category color scoping ---------- */
body[data-cat="personal-growth"]{--cat:var(--cat-personal-growth);--cat-soft:var(--cat-personal-growth-soft)}
body[data-cat="money"]{--cat:var(--cat-money);--cat-soft:var(--cat-money-soft)}
body[data-cat="business"]{--cat:var(--cat-business);--cat-soft:var(--cat-business-soft)}
body[data-cat="career"]{--cat:var(--cat-career);--cat-soft:var(--cat-career-soft)}
body[data-cat="investing"]{--cat:var(--cat-investing);--cat-soft:var(--cat-investing-soft)}
body[data-cat="ph-guides"]{--cat:var(--cat-ph-guides);--cat-soft:var(--cat-ph-guides-soft)}
body[data-cat="success-stories"]{--cat:var(--cat-success-stories);--cat-soft:var(--cat-success-stories-soft)}
.card[data-cat="personal-growth"]{--cat:var(--cat-personal-growth)}
.card[data-cat="money"]{--cat:var(--cat-money)}
.card[data-cat="business"]{--cat:var(--cat-business)}
.card[data-cat="career"]{--cat:var(--cat-career)}
.card[data-cat="investing"]{--cat:var(--cat-investing)}
.card[data-cat="ph-guides"]{--cat:var(--cat-ph-guides)}
.card[data-cat="success-stories"]{--cat:var(--cat-success-stories)}

@media(max-width:800px){
.nav-toggle{display:flex}
#site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(10,15,31,.09);flex-direction:column;align-items:stretch;gap:0;padding:8px 0}
#site-nav.open{display:flex}
#site-nav a{padding:13px 22px;width:100%}
#site-nav a[aria-current="page"]::after{display:none}
#site-nav a[aria-current="page"]{background:var(--soft)}
.grid{grid-template-columns:1fr}
.hero{padding-top:50px}
.category-hero h1{font-size:36px}
.article{padding-top:42px}
.related-grid{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr 1fr;gap:34px}
.footer-grid > div:first-child{grid-column:1 / -1}
.footer-bottom-inner{align-items:flex-start;flex-direction:column}
}
@media(max-width:520px){
.footer-grid{grid-template-columns:1fr}
.footer-grid > div:first-child{grid-column:auto}
.footer-main{padding:48px 0 34px}
.footer-bottom-inner{padding:18px 0}
.share-row{gap:8px}
.promo-headline{white-space:normal;font-size:15.5px}
.promo-banner{padding:22px 20px}
}

/* ---------- 2026 rebuild additions ---------- */
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px 0}
.skip:focus{left:0}
.topbar a{color:#c7d0e2;text-decoration:none}
.topbar a:hover{color:#fff}
.article-meta{flex-wrap:wrap}
.article-meta a{color:var(--muted);text-decoration:none;border-bottom:1px solid var(--line)}
.quick-answer{font-family:var(--sans);background:#fff;border:2px solid var(--cat);border-radius:16px;padding:20px 24px;margin:26px 0}
.quick-answer h2{font-size:13px;text-transform:uppercase;letter-spacing:.09em;margin:0 0 8px;color:var(--cat);border:none;padding:0;font-weight:800;font-family:var(--sans)}
.quick-answer p{margin:0;font-size:17px;line-height:1.6;color:var(--ink)}
.toc summary .chev{font-size:14px}
.article-body h3{font-family:var(--sans);font-size:19px;line-height:1.4;color:var(--navy);margin:30px 0 6px}
.article-body a{color:var(--accent-dark);text-decoration-color:#9fd3c7;text-underline-offset:3px}
.article-body a:hover{color:var(--accent)}
.article-body ul,.article-body ol{padding-left:24px}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px;-webkit-overflow-scrolling:touch}
.article-body table{border-collapse:collapse;width:100%;font-family:var(--sans);font-size:14.5px;line-height:1.45;min-width:420px}
.article-body th{background:var(--cat-soft);color:var(--navy);text-align:left;font-weight:700;padding:10px 12px;border-bottom:1px solid var(--line)}
.article-body td{padding:9px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.article-body tr:last-child td{border-bottom:none}
blockquote.callout{font-family:var(--sans);font-size:15.5px;line-height:1.6;margin:26px 0;padding:16px 20px;background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:10px;color:var(--ink-2)}
blockquote.callout p{margin:0}
blockquote.callout p+p{margin-top:8px}
.faq h3{font-size:17.5px;margin-top:22px}
.faq p{margin-top:4px}
.sources h2{font-family:var(--sans);font-size:20px;border:none;padding:0;margin:0 0 6px}
.sources ol{font-size:15px;padding-left:22px}
.sources li{margin:6px 0}
.sources a{word-break:break-word}
.related-grid a[data-cat="personal-growth"]{--cat:var(--cat-personal-growth)}
.related-grid a[data-cat="money"]{--cat:var(--cat-money)}
.related-grid a[data-cat="business"]{--cat:var(--cat-business)}
.related-grid a[data-cat="career"]{--cat:var(--cat-career)}
.related-grid a[data-cat="investing"]{--cat:var(--cat-investing)}
.related-grid a[data-cat="ph-guides"]{--cat:var(--cat-ph-guides)}
.cat-intro{font-size:17.5px;color:var(--ink-2);max-width:760px;margin:0}
.section.alt{background:var(--soft)}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pillar{background:#fff;border:1px solid var(--line);border-top:3px solid var(--cat);border-radius:var(--radius);padding:22px}
.pillar h3{font-family:var(--display);font-size:22px;margin:0 0 6px}
.pillar h3 a{text-decoration:none;color:var(--navy)}
.pillar p{color:var(--muted);font-size:14.5px;margin:0 0 12px;line-height:1.55}
.pillar ul{margin:0 0 14px;padding-left:18px;font-size:14.5px;line-height:1.5}
.pillar li{margin:0 0 8px}
.pillar li a{color:var(--ink-2);text-decoration:none}
.pillar li a:hover{color:var(--cat)}
.pillar .more{color:var(--cat);font-weight:700;font-size:14px;text-decoration:none}
.pillar[data-cat="personal-growth"]{--cat:var(--cat-personal-growth)}
.pillar[data-cat="money"]{--cat:var(--cat-money)}
.pillar[data-cat="business"]{--cat:var(--cat-business)}
.pillar[data-cat="career"]{--cat:var(--cat-career)}
.pillar[data-cat="investing"]{--cat:var(--cat-investing)}
.pillar[data-cat="ph-guides"]{--cat:var(--cat-ph-guides)}
.newsletter a{color:var(--accent-dark);font-weight:700}
@media(max-width:900px){.pillars{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.pillars{grid-template-columns:1fr}.quick-answer{padding:18px}.article-body{font-size:17px}.topbar .container span:first-child{display:none}.topbar .container{justify-content:flex-end}}