:root{--color-primary:#0b132b;--color-primary-dark:#060b19;--color-primary-light:#1c2541;--color-accent:#10b981;--color-accent-hover:#059669;--color-accent-light:rgba(16, 185, 129, 0.1);--color-gold:#f59e0b;--color-gold-hover:#d97706;--color-gold-light:rgba(245, 158, 11, 0.1);--color-bg:#f8fafc;--color-bg-alt:#ffffff;--color-surface:#ffffff;--color-surface-hover:#f1f5f9;--color-text:#0f172a;--color-text-muted:#475569;--color-text-light:#64748b;--color-border:#e2e8f0;--color-border-hover:#cbd5e1;--color-success:#10b981;--color-success-bg:#ecfdf5;--color-danger:#ef4444;--color-danger-bg:#fef2f2;--font-heading:'Outfit', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--font-body:'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--font-mono:'Consolas', 'SFMono-Regular', monospace;--font-size-xs:0.75rem;--font-size-sm:0.875rem;--font-size-base:1rem;--font-size-lg:1.125rem;--font-size-xl:1.25rem;--font-size-2xl:1.5rem;--font-size-3xl:1.875rem;--font-size-4xl:2.25rem;--font-size-5xl:3.25rem;--space-1:0.25rem;--space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-5:1.5rem;--space-6:2rem;--space-7:2.5rem;--space-8:3rem;--space-10:4rem;--radius-sm:8px;--radius-md:14px;--radius-lg:20px;--radius-full:9999px;--shadow-sm:0 1px 3px rgba(0, 0, 0, 0.05);--shadow-md:0 10px 25px -5px rgba(0, 0, 0, 0.06), 0 8px 10px -6px rgba(0, 0, 0, 0.04);--shadow-lg:0 20px 35px -10px rgba(11, 19, 43, 0.12), 0 10px 15px -5px rgba(16, 185, 129, 0.1);--shadow-glow:0 0 25px rgba(16, 185, 129, 0.35);--transition-fast:0.15s ease;--transition-base:0.25s ease;--transition-slow:0.4s cubic-bezier(0.16, 1, 0.3, 1);--max-width-site:1240px;--header-height:76px}[data-theme="dark"]{--color-primary:#0b132b;--color-primary-dark:#040814;--color-primary-light:#1c2541;--color-accent:#10b981;--color-accent-hover:#34d399;--color-gold:#f59e0b;--color-bg:#070d1e;--color-bg-alt:#0e172c;--color-surface:#131f37;--color-surface-hover:#1c2c4d;--color-text:#f8fafc;--color-text-muted:#94a3b8;--color-text-light:#64748b;--color-border:rgba(255, 255, 255, 0.1);--color-border-hover:rgba(255, 255, 255, 0.2);--shadow-sm:0 2px 4px rgba(0, 0, 0, 0.4);--shadow-md:0 10px 25px -5px rgba(0, 0, 0, 0.4);--shadow-lg:0 20px 35px -10px rgba(0, 0, 0, 0.5)}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-size:var(--font-size-base);line-height:1.65;color:var(--color-text);background-color:var(--color-bg);transition:background-color var(--transition-base),color var(--transition-base);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;display:flex;flex-direction:column;min-height:100vh}a{color:var(--color-accent);text-decoration:none;transition:color var(--transition-fast)}a:hover,a:focus-visible{color:var(--color-gold)}img,svg,video{max-width:100%;height:auto;display:block}button,input,select,textarea{font:inherit;color:inherit}select,.tool-select{width:100%;padding:.7rem 1rem;border-radius:var(--radius-sm);border:1px solid var(--color-border);background-color:var(--color-bg);color:var(--color-text);font-family:inherit;font-size:var(--font-size-sm);cursor:pointer}select:focus,.tool-select:focus{border-color:var(--color-accent);background-color:var(--color-surface);outline:none}select option,.tool-select option{background-color:var(--color-surface);color:var(--color-text)}:focus-visible{outline:2px solid var(--color-accent);outline-offset:3px}.skip-link{position:absolute;top:-100px;left:1rem;background:var(--color-accent);color:#000;padding:.5rem 1rem;font-weight:700;border-radius:var(--radius-sm);z-index:9999;transition:top var(--transition-fast)}.skip-link:focus{top:1rem}.container{width:100%;max-width:var(--max-width-site);margin-left:auto;margin-right:auto;padding-left:var(--space-4);padding-right:var(--space-4)}.gradient-text{background:linear-gradient(135deg,#ffffff 0%,var(--color-accent) 60%,var(--color-gold) 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:#fff0}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--color-text);font-weight:700;line-height:1.2;margin-bottom:var(--space-3)}h1{font-size:clamp(2.25rem, 4.5vw, 3.5rem)}h2{font-size:clamp(1.6rem, 3vw, 2.35rem)}h3{font-size:clamp(1.25rem, 2.5vw, 1.5rem)}h4{font-size:var(--font-size-xl)}p{margin-bottom:var(--space-4)}ul,ol{margin-bottom:var(--space-4);padding-left:var(--space-5)}.site-header{position:sticky;top:0;z-index:1000;background-color:rgb(11 19 43 / .92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid rgb(255 255 255 / .08);height:var(--header-height);display:flex;align-items:center}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:var(--space-4)}.site-logo{display:flex;align-items:center;gap:.75rem;font-family:var(--font-heading);font-weight:800;font-size:1.5rem;color:#fff;text-decoration:none}.logo-icon{width:40px;height:40px;color:var(--color-accent);flex-shrink:0}.logo-text span{color:var(--color-gold)}.main-nav ul{display:flex;align-items:center;gap:var(--space-6);list-style:none;margin:0;padding:0}.main-nav a{font-weight:600;font-size:.95rem;color:#cbd5e1;padding:.5rem 0;position:relative}.main-nav a:hover,.main-nav .current-menu-item>a{color:var(--color-accent)}.main-nav a::after{content:'';position:absolute;bottom:-4px;left:0;width:0%;height:2px;background:linear-gradient(90deg,var(--color-accent),var(--color-gold));transition:width var(--transition-fast);border-radius:2px}.main-nav a:hover::after,.main-nav .current-menu-item>a::after{width:100%}.header-actions{display:flex;align-items:center;gap:var(--space-3)}.theme-toggle-btn{background:rgb(255 255 255 / .05);border:1px solid rgb(255 255 255 / .15);border-radius:var(--radius-full);width:42px;height:42px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:#fff;transition:all var(--transition-fast)}.theme-toggle-btn:hover{background-color:var(--color-accent-light);border-color:var(--color-accent);color:var(--color-accent)}.theme-toggle-btn svg{width:20px;height:20px}.dark-icon{display:none}[data-theme="dark"] .dark-icon{display:block}[data-theme="dark"] .light-icon{display:none}.mobile-nav-toggle{display:none;background:none;border:none;cursor:pointer;color:#fff;padding:.5rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--font-heading);font-weight:700;font-size:.95rem;padding:.8rem 1.6rem;border-radius:var(--radius-md);border:1px solid #fff0;cursor:pointer;transition:all var(--transition-base);text-decoration:none;white-space:nowrap}.btn-primary{background:linear-gradient(135deg,var(--color-accent) 0%,var(--color-accent-hover) 100%);color:#000;box-shadow:0 4px 15px rgb(16 185 129 / .25)}.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-glow);color:#000}.btn-accent{background:linear-gradient(135deg,var(--color-gold) 0%,var(--color-gold-hover) 100%);color:#000}.btn-accent:hover{transform:translateY(-2px);box-shadow:0 0 20px rgb(245 158 11 / .35);color:#000}.btn-secondary{background:rgb(255 255 255 / .05);border-color:rgb(255 255 255 / .2);color:#fff}.btn-secondary:hover{border-color:var(--color-accent);color:var(--color-accent);background-color:rgb(16 185 129 / .1)}.btn-sm{padding:.45rem 1rem;font-size:.85rem}.badge{display:inline-flex;align-items:center;gap:.35rem;font-size:var(--font-size-xs);font-weight:700;text-transform:uppercase;letter-spacing:.6px;padding:.3rem .75rem;border-radius:var(--radius-full);background:rgb(16 185 129 / .12);color:var(--color-accent);border:1px solid rgb(16 185 129 / .25)}.hero-section{padding:var(--space-10) 0;background:radial-gradient(circle at 80% 20%,rgb(16 185 129 / .15) 0%,transparent 40%),radial-gradient(circle at 20% 80%,rgb(245 158 11 / .12) 0%,transparent 40%),linear-gradient(135deg,var(--color-primary-dark) 0%,var(--color-primary) 100%);color:#fff;position:relative;overflow:hidden;border-bottom:1px solid rgb(255 255 255 / .08)}.hero-dual-grid{display:grid;grid-template-columns:1fr 420px;gap:var(--space-8);align-items:center}@media (max-width:960px){.hero-dual-grid{grid-template-columns:1fr;text-align:center}}.hero-content{display:flex;flex-direction:column;align-items:flex-start}@media (max-width:960px){.hero-content{align-items:center}}.hero-badge{margin-bottom:var(--space-4);background:rgb(245 158 11 / .15);color:var(--color-gold);border-color:rgb(245 158 11 / .3)}.hero-title{color:#fff;font-size:clamp(2.35rem, 5vw, 3.6rem);font-weight:800;line-height:1.12;margin-bottom:var(--space-4)}.hero-subtitle{font-size:clamp(1.05rem, 2vw, 1.25rem);color:#94a3b8;margin-bottom:var(--space-6);max-width:640px}.hero-cta-group{display:flex;flex-wrap:wrap;gap:var(--space-4)}.hero-widget-card{background:rgb(28 37 65 / .65);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid rgb(255 255 255 / .12);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:0 25px 50px -12px rgb(0 0 0 / .5)}.hero-widget-header{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgb(255 255 255 / .1);padding-bottom:var(--space-3);margin-bottom:var(--space-4)}.trust-strip{background-color:var(--color-bg-alt);border-bottom:1px solid var(--color-border);padding:var(--space-4) 0;box-shadow:var(--shadow-sm)}.trust-flex{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-around;gap:var(--space-4);font-size:var(--font-size-sm);color:var(--color-text-muted)}.trust-item{display:flex;align-items:center;gap:.5rem;font-weight:600}.trust-item svg{width:20px;height:20px;color:var(--color-accent)}.tools-section{padding:var(--space-10) 0}.section-header{text-align:center;max-width:650px;margin:0 auto var(--space-8)}.tools-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:var(--space-6)}.tool-card{background-color:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-sm);transition:transform var(--transition-slow),box-shadow var(--transition-slow),border-color var(--transition-slow);display:flex;flex-direction:column;height:100%}.tool-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--color-accent)}.tool-card-icon{width:56px;height:56px;border-radius:var(--radius-md);background:var(--color-accent-light);color:var(--color-accent);display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-4)}.tool-card-icon svg{width:30px;height:30px}.tool-card-title{font-size:var(--font-size-xl);margin-bottom:var(--space-2)}.tool-card-desc{color:var(--color-text-muted);font-size:var(--font-size-sm);flex-grow:1;margin-bottom:var(--space-5)}.site-main-layout{padding:var(--space-8) 0}.layout-grid{display:grid;grid-template-columns:1fr 340px;gap:var(--space-8)}@media (max-width:900px){.layout-grid{grid-template-columns:1fr}}.posts-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6)}.post-card{background-color:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}@media (min-width:640px){.post-card.horizontal{flex-direction:row}.post-card.horizontal .post-card-thumb{width:270px;flex-shrink:0}}.post-card:hover{border-color:var(--color-accent);box-shadow:var(--shadow-md)}.post-card-thumb{position:relative;aspect-ratio:16/9;background-color:var(--color-surface-hover);overflow:hidden}.post-card-thumb img{width:100%;height:100%;object-fit:cover;transition:transform var(--transition-slow)}.post-card:hover .post-card-thumb img{transform:scale(1.05)}.post-card-body{padding:var(--space-5);display:flex;flex-direction:column;flex-grow:1}.post-card-meta{display:flex;align-items:center;gap:var(--space-3);font-size:var(--font-size-xs);color:var(--color-text-muted);margin-bottom:var(--space-2)}.post-card-title{font-size:var(--font-size-lg);margin-bottom:var(--space-2)}.post-card-title a{color:var(--color-text)}.post-card-title a:hover{color:var(--color-accent)}.post-card-excerpt{color:var(--color-text-muted);font-size:var(--font-size-sm);margin-bottom:var(--space-4);line-height:1.55}.post-card-footer{margin-top:auto;display:flex;align-items:center;justify-content:space-between;font-size:var(--font-size-xs);color:var(--color-text-light);border-top:1px solid var(--color-border);padding-top:var(--space-3)}.pagination{margin-top:var(--space-8);display:flex;justify-content:center;gap:.5rem}.pagination .page-numbers{display:inline-flex;align-items:center;justify-content:center;min-width:42px;height:42px;padding:0 .5rem;border-radius:var(--radius-sm);border:1px solid var(--color-border);background-color:var(--color-surface);color:var(--color-text);font-weight:700;font-size:var(--font-size-sm)}.pagination .page-numbers.current,.pagination .page-numbers:hover{background-color:var(--color-accent);color:#000;border-color:var(--color-accent)}.site-sidebar{display:flex;flex-direction:column;gap:var(--space-6)}.sidebar-inner{position:sticky;top:calc(var(--header-height) + 1.5rem)}.widget{background-color:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:var(--space-5);box-shadow:var(--shadow-sm);margin-bottom:var(--space-6)}.widget-title{font-size:var(--font-size-base);text-transform:uppercase;letter-spacing:.5px;border-bottom:2px solid var(--color-accent);padding-bottom:.5rem;margin-bottom:var(--space-4)}.sidebar-toc-widget{border-left:3px solid var(--color-accent)}.sidebar-toc-list{list-style:none;padding:0;margin:0}.sidebar-toc-list li{margin-bottom:.5rem;font-size:var(--font-size-sm)}.sidebar-toc-list li.toc-h3{padding-left:1rem}.sidebar-toc-list a{color:var(--color-text-muted);transition:color var(--transition-fast)}.sidebar-toc-list a:hover,.sidebar-toc-list a.active{color:var(--color-accent);font-weight:700}.search-form{position:relative}.search-input{width:100%;padding:.7rem 2.5rem .7rem 1rem;border-radius:var(--radius-sm);border:1px solid var(--color-border);background-color:var(--color-bg);color:var(--color-text);font-size:var(--font-size-sm)}.search-submit-btn{position:absolute;right:.5rem;top:50%;transform:translateY(-50%);background:none;border:none;color:var(--color-text-muted);cursor:pointer}.search-results-dropdown{position:absolute;top:100%;left:0;right:0;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);z-index:100;max-height:320px;overflow-y:auto;display:none}.search-results-dropdown.active{display:block}.search-result-item{padding:.65rem 1rem;border-bottom:1px solid var(--color-border);display:block;font-size:var(--font-size-sm);color:var(--color-text)}.search-result-item:hover{background-color:var(--color-surface-hover);color:var(--color-accent)}.widget-post-list{list-style:none;padding:0;margin:0}.widget-post-item{display:flex;gap:var(--space-3);padding:.65rem 0;border-bottom:1px dashed var(--color-border)}.widget-post-item:last-child{border-bottom:none}.widget-post-thumb{width:60px;height:60px;border-radius:var(--radius-sm);overflow:hidden;flex-shrink:0;background-color:var(--color-surface-hover)}.widget-post-thumb img{width:100%;height:100%;object-fit:cover}.widget-post-info{display:flex;flex-direction:column;justify-content:center}.widget-post-title{font-size:var(--font-size-sm);font-weight:600;line-height:1.35;margin-bottom:.25rem}.widget-post-title a{color:var(--color-text)}.widget-post-meta{font-size:var(--font-size-xs);color:var(--color-text-muted)}.widget-cat-list{list-style:none;padding:0;margin:0}.widget-cat-item{display:flex;align-items:center;justify-content:space-between;padding:.5rem 0;border-bottom:1px solid var(--color-border);font-size:var(--font-size-sm)}.widget-cat-item:last-child{border-bottom:none}.widget-cat-count{background-color:var(--color-surface-hover);color:var(--color-text-muted);font-size:var(--font-size-xs);padding:.15rem .5rem;border-radius:var(--radius-full)}.widget-promo{background:linear-gradient(135deg,var(--color-primary-dark),var(--color-primary));color:#fff;border:none}.widget-promo h3{color:#fff}.widget-promo p{color:#cbd5e1;font-size:var(--font-size-sm)}.quick-answer-box{background:linear-gradient(135deg,rgb(16 185 129 / .08) 0%,var(--color-surface) 100%);border-left:4px solid var(--color-accent);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:var(--space-5);margin-bottom:var(--space-6);box-shadow:var(--shadow-sm)}.quick-answer-header{display:flex;align-items:center;gap:.5rem;font-family:var(--font-heading);font-weight:700;color:var(--color-accent);font-size:var(--font-size-sm);text-transform:uppercase;letter-spacing:.5px;margin-bottom:var(--space-2)}.quick-answer-text{font-size:var(--font-size-lg);line-height:1.55;color:var(--color-text);margin:0;font-weight:500}.post-content{font-size:1.05rem;line-height:1.75;color:var(--color-text)}.post-content h2{margin-top:var(--space-8);padding-bottom:.3rem;border-bottom:1px solid var(--color-border)}.post-content h3{margin-top:var(--space-6)}.author-bio-box{background-color:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:var(--space-5);margin:var(--space-8) 0;display:flex;gap:var(--space-4);align-items:center}.author-bio-img{width:70px;height:70px;border-radius:var(--radius-full);object-fit:cover;flex-shrink:0}.author-bio-role{font-size:var(--font-size-xs);color:var(--color-accent);font-weight:700;text-transform:uppercase;margin-bottom:.5rem}.related-posts-section{margin:var(--space-8) 0;padding-top:var(--space-6);border-top:2px solid var(--color-border)}.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--space-4)}.site-footer{margin-top:auto;background-color:var(--color-primary-dark);color:#94a3b8;padding:var(--space-8) 0 var(--space-4);font-size:var(--font-size-sm);border-top:1px solid rgb(255 255 255 / .08)}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--space-6);margin-bottom:var(--space-6)}.footer-col h4{color:#fff;font-size:var(--font-size-base);margin-bottom:var(--space-4)}.footer-links{list-style:none;padding:0}.footer-links li{margin-bottom:.5rem}.footer-links a{color:#94a3b8}.footer-links a:hover{color:var(--color-accent)}.financial-disclaimer-banner{background-color:rgb(0 0 0 / .3);border:1px solid rgb(255 255 255 / .08);border-radius:var(--radius-sm);padding:var(--space-4);margin-bottom:var(--space-6);font-size:var(--font-size-xs);line-height:1.5;color:#cbd5e1}.footer-bottom{border-top:1px solid rgb(255 255 255 / .08);padding-top:var(--space-4);display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:var(--space-4)}@media (max-width:640px){.main-nav{display:none}.mobile-nav-toggle{display:block}}