:root{--navy:#0b1f3a;--ink:#14181f;--mut:#4b5563;--line:#d8dde5;--soft:#f4f6f9;--accent:#0b3d91}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font:400 17px/1.7 -apple-system,'Segoe UI',Helvetica,Arial,sans-serif}
a{color:var(--accent)}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin:0 auto;padding:8px 0 24px}
.utility{background:var(--navy);color:#cbd5e1;font-size:13px;letter-spacing:.3px}
.utility .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px;gap:12px;flex-wrap:wrap}
.utility a{color:#fff;font-weight:600;text-decoration:none}
.mast{text-align:center;padding:30px 0 16px}
.mast a.logo{font-family:Georgia,'Times New Roman',serif;font-size:56px;font-weight:700;letter-spacing:-1px;color:var(--navy);text-decoration:none;line-height:1.05}
.mast .tag{font-size:12px;font-weight:700;letter-spacing:3px;color:var(--mut);text-transform:uppercase;margin-top:8px}
nav.main{border-top:3px double var(--navy);border-bottom:1px solid var(--line);text-align:center;padding:11px 0}
nav.main a{margin:0 16px;color:var(--ink);font-weight:600;font-size:14px;letter-spacing:1.2px;text-transform:uppercase;text-decoration:none}
nav.main a:hover{color:var(--accent)}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.2}
h1{font-size:38px;margin:34px 0 8px;font-weight:700;letter-spacing:-.5px}
h2{font-size:26px;margin:36px 0 12px;font-weight:700}
.label{font:800 12px/1 -apple-system,'Segoe UI',Arial,sans-serif;letter-spacing:2px;text-transform:uppercase;color:var(--navy);border-bottom:2px solid var(--navy);padding-bottom:8px;margin:44px 0 18px}
.mut{color:var(--mut);font-size:15px}
.btn{display:inline-block;background:var(--navy);color:#fff!important;font-weight:700;font-size:15px;letter-spacing:.4px;padding:13px 26px;border-radius:3px;text-decoration:none}
.btn:hover{background:var(--accent)}
.btn.ghost{background:transparent;color:var(--navy)!important;border:1.5px solid var(--navy)}
.hero{display:grid;grid-template-columns:1.25fr 1fr;gap:44px;align-items:center;padding:46px 0 38px}
.hero h1{font-size:46px;margin:0 0 14px}
.hero p.lead{font-size:19px;color:#2b3340;margin:0 0 24px}
.panel{background:var(--soft);border-top:4px solid var(--navy);padding:22px 24px}
.panel h3{font:800 12px/1 -apple-system,'Segoe UI',Arial,sans-serif;letter-spacing:2px;text-transform:uppercase;margin:0 0 14px}
.panel ol{margin:0;padding-left:20px}.panel li{margin-bottom:9px}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid div{padding:20px 20px 22px;border-right:1px solid var(--line)}.grid div:last-child{border-right:0}
.grid b{display:block;font-family:Georgia,serif;font-size:18px;color:var(--navy);margin-bottom:6px}
.grid span{font-size:15px;color:var(--mut);line-height:1.55}
ul.issues{list-style:none;padding:0;margin:0}ul.issues li{padding:16px 0;border-bottom:1px solid var(--line)}
ul.issues a{font-family:Georgia,serif;font-weight:700;text-decoration:none;font-size:21px;color:var(--navy)}
ul.issues a:hover{color:var(--accent)}
.card{border:1px solid var(--line);border-left:4px solid var(--navy);padding:16px 20px;margin:14px 0;background:#fff}
.card h3{margin:0 0 4px;font-size:20px}
.ad{border:1px dashed #b6bdc8;text-align:center;padding:14px;margin:30px 0;color:#7b8494;font-size:12px;letter-spacing:.5px;min-height:90px}
.sponsor{background:var(--soft);border-left:4px solid var(--navy);padding:12px 18px;margin:22px 0;font-size:15px}
.disc{font-size:14px;color:var(--mut);background:var(--soft);border-left:4px solid var(--navy);padding:10px 14px;margin:18px 0}
.cta{background:var(--navy);color:#fff;padding:34px 30px;margin:44px 0;text-align:center}
.cta h2{color:#fff;margin:0 0 8px}.cta p{color:#cbd5e1;margin:0 0 20px}
.btn.small{padding:6px 14px;font-size:13px}.sf input,.sf button{-webkit-appearance:none;appearance:none;font-family:inherit}.sf{display:flex;gap:8px;max-width:460px;margin:0 auto}.sf input{flex:1;padding:13px 14px;border:0;border-radius:3px;font-size:16px}.sf button{background:var(--gold,#a67c2e);color:#fff;border:0;border-radius:3px;font-weight:700;font-size:15px;padding:0 22px;cursor:pointer}.sfmsg{margin-top:12px;color:#fff}@media(max-width:520px){.sf{flex-direction:column}.sf button{padding:13px}}
.cta .btn{background:#fff;color:var(--navy)!important}
.issue{padding:0;margin:18px 0;overflow-x:auto}
footer{background:var(--navy);color:#cbd5e1;margin-top:56px;font-size:14px}
footer .wrap{padding-top:24px;padding-bottom:18px}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:20px}
footer h4{color:#fff;font-size:12px;letter-spacing:2px;text-transform:uppercase;margin:0 0 8px}
footer a{color:#cbd5e1;display:block;text-decoration:none;margin-bottom:4px}footer a:hover{color:#fff}
footer .fine{border-top:1px solid #2b4163;margin-top:16px;padding-top:12px;font-size:12px;line-height:1.6;color:#94a3b8}
.flogo{font-family:Georgia,serif;font-size:26px;color:#fff;font-weight:700;margin-bottom:8px}
/* money 101 promo */
a.money-promo{display:block;margin:34px 0 6px;padding:22px 26px;border:1px solid var(--line);border-left:5px solid var(--gold);background:var(--soft);text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
a.money-promo:hover{transform:translateY(-2px);box-shadow:0 4px 14px rgba(11,31,58,.12)}
a.money-promo small{font:800 11px/1 -apple-system,Arial,sans-serif;letter-spacing:2px;text-transform:uppercase;color:var(--gold)}
a.money-promo b{display:block;font:700 24px/1.25 Georgia,serif;color:var(--navy);margin:6px 0 4px}
a.money-promo span{display:block;font-size:16px;color:var(--mut)}
a.money-promo em{display:inline-block;margin-top:8px;font-style:normal;font-weight:700;font-size:14px;color:var(--accent)}
.wyg{margin:16px 0 0;padding-left:12px;border-left:3px solid #a67c2e;font-size:14.5px;line-height:1.5;color:#4b5563}
nav.main a{white-space:nowrap;display:inline-block}
/* subtle interactions */
:root{--gold:#a67c2e}
nav.main a{position:relative;padding-bottom:4px}nav.main a::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--gold);transform:scaleX(0);transition:transform .2s}nav.main a:hover::after,nav.main a.cur::after{transform:scaleX(1)}
.btn{transition:background .15s,transform .1s,color .15s}.btn:hover{background:var(--gold)}.btn:active{transform:scale(.97)}.btn.ghost:hover{background:var(--gold);border-color:var(--gold);color:#fff!important}
ul.issues li{border-left:3px solid transparent;padding-left:12px;transition:border-color .15s,background .15s}ul.issues li:hover{border-left-color:var(--gold);background:var(--soft)}
.grid div{transition:border-color .15s,transform .15s}.grid div:hover{transform:translateY(-2px)}
.sf button{transition:background .15s,transform .1s}.sf button:hover{background:#c29a4a}.sf button:active{transform:scale(.97)}.sf input:focus{outline:2px solid var(--gold)}
footer a:hover{color:var(--gold)}
#pbar{position:fixed;top:0;left:0;height:3px;width:0;background:var(--gold);z-index:50}
.fade{animation:fi .5s ease both}@keyframes fi{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
@media(max-width:760px){.hero{grid-template-columns:1fr;gap:26px;padding-top:30px}.hero h1{font-size:34px}.grid{grid-template-columns:1fr 1fr}.grid div{border-bottom:1px solid var(--line)}.fcols{grid-template-columns:1fr 1fr}.fcols>div:first-child{grid-column:1/-1}.flogo{font-size:22px}.mast a.logo{font-size:40px}nav.main a{margin:0 9px;font-size:12px}h1{font-size:30px}}