*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --ink: #1a1a18;
  --ink-light: #3d3d38;
  --ink-muted: #7a7a72;
  --paper: #faf9f5;
  --paper-warm: #f3f0e8;
  --paper-dark: #ede9de;
  --gold: #b8860b;
  --gold-light: #d4a017;
  --gold-pale: #f5edd8;
  --green: #2e6b47;
  --green-light: #e8f3ec;
  --rule: #d8d4c8;
  --serif: 'Playfair Display', Georgia, serif;
  --body-serif: 'Source Serif 4', Georgia, serif;
}

html { scroll-behavior: smooth; }
body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body-serif);
  font-size: 17px;
  line-height: 1.7;
}

/* MASTHEAD */
.masthead {
  background: var(--ink);
  color: var(--paper);
  text-align: center;
  padding: 36px 20px 28px;
  border-bottom: 3px solid var(--gold);
  position: relative;
  overflow: hidden;
}
.masthead::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(0deg, transparent, transparent 39px, rgba(255,255,255,0.03) 39px, rgba(255,255,255,0.03) 40px);
}
.masthead-date { font-family: var(--body-serif); font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 10px; position: relative; }
.masthead-title { font-family: var(--serif); font-size: clamp(42px, 7vw, 80px); font-weight: 900; letter-spacing: -0.02em; line-height: 1; color: var(--paper); position: relative; }
.masthead-title a { color: inherit; text-decoration: none; }
.masthead-title span { color: var(--gold-light); }
.masthead-tagline { font-family: var(--body-serif); font-style: italic; font-size: 14px; color: rgba(250,249,245,0.6); margin-top: 10px; letter-spacing: 0.05em; position: relative; }

/* NAV */
nav { background: var(--paper-warm); border-bottom: 1px solid var(--rule); position: sticky; top: 0; z-index: 100; }
.nav-inner { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; padding: 0 20px; overflow-x: auto; }
.nav-inner a { display: block; padding: 14px 18px; font-family: var(--body-serif); font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-light); text-decoration: none; white-space: nowrap; border-bottom: 2px solid transparent; transition: color 0.2s, border-color 0.2s; }
.nav-inner a:hover { color: var(--gold); border-bottom-color: var(--gold); }
.nav-inner a.active { color: var(--ink); border-bottom-color: var(--ink); font-weight: 600; }

/* AD BANNER */
.ad-banner { background: var(--paper-dark); border: 1px dashed var(--rule); text-align: center; padding: 22px; font-size: 11px; color: var(--ink-muted); letter-spacing: 0.1em; text-transform: uppercase; margin: 0; }
.ad-banner-inline { background: var(--paper-dark); border: 1px dashed var(--rule); text-align: center; padding: 22px; font-size: 11px; color: var(--ink-muted); letter-spacing: 0.1em; text-transform: uppercase; margin: 32px 0; }

/* LAYOUT */
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
.main-layout { display: grid; grid-template-columns: 1fr 320px; gap: 48px; padding: 48px 0; }

/* BREADCRUMB */
.breadcrumb { padding: 14px 0; font-size: 13px; color: var(--ink-muted); border-bottom: 1px solid var(--rule); }
.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

/* SECTION HEADER */
.section-header { display: flex; align-items: baseline; gap: 16px; margin-bottom: 32px; padding-bottom: 12px; border-bottom: 2px solid var(--ink); }
.section-header h2 { font-family: var(--serif); font-size: 26px; font-weight: 700; }
.section-header .see-all { font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); text-decoration: none; margin-left: auto; }
.section-header .see-all:hover { text-decoration: underline; }

/* ARTICLE GRID */
.article-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 48px; }
.article-card { background: var(--paper); border-top: 3px solid var(--rule); padding-top: 18px; transition: border-color 0.2s; }
.article-card:hover { border-top-color: var(--gold); }
.article-card .tag { font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); font-family: var(--body-serif); font-weight: 600; margin-bottom: 8px; }
.article-card h3 { font-family: var(--serif); font-size: 18px; font-weight: 700; line-height: 1.3; margin-bottom: 10px; color: var(--ink); }
.article-card h3 a { color: inherit; text-decoration: none; }
.article-card h3 a:hover { color: var(--gold); }
.article-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.6; margin-bottom: 14px; }
.article-meta { font-size: 11px; color: var(--ink-muted); letter-spacing: 0.06em; border-top: 1px solid var(--rule); padding-top: 10px; }

/* FEATURED */
.featured-article { background: var(--paper-warm); padding: 36px; margin-bottom: 48px; border-left: 4px solid var(--gold); }
.featured-article .tag { font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); font-weight: 600; margin-bottom: 14px; }
.featured-article h2 { font-family: var(--serif); font-size: 30px; font-weight: 700; line-height: 1.25; margin-bottom: 16px; }
.featured-article h2 a { color: var(--ink); text-decoration: none; }
.featured-article h2 a:hover { color: var(--gold); }
.featured-article p { font-size: 16px; color: var(--ink-light); margin-bottom: 20px; }
.featured-article .read-more { font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); text-decoration: none; font-weight: 600; }
.featured-article .read-more:hover { text-decoration: underline; }

/* ARTICLE FULL */
.article-full { padding: 48px 0; }
.article-full-header { margin-bottom: 32px; }
.article-full-header .tag { font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold); font-weight: 600; margin-bottom: 12px; }
.article-full-header h1 { font-family: var(--serif); font-size: clamp(26px, 4vw, 40px); font-weight: 700; line-height: 1.2; margin-bottom: 16px; }
.article-full-header .byline { font-size: 13px; color: var(--ink-muted); font-style: italic; padding-bottom: 20px; border-bottom: 1px solid var(--rule); }
.article-body h2 { font-family: var(--serif); font-size: 22px; font-weight: 700; margin: 32px 0 14px; }
.article-body h3 { font-family: var(--serif); font-size: 18px; font-weight: 600; margin: 24px 0 10px; }
.article-body p { margin-bottom: 18px; }
.article-body ul, .article-body ol { margin: 0 0 18px 24px; }
.article-body li { margin-bottom: 8px; }
.article-body blockquote { border-left: 4px solid var(--gold); padding: 16px 24px; margin: 28px 0; background: var(--gold-pale); font-style: italic; font-size: 18px; }
.callout-box { background: var(--green-light); border-left: 4px solid var(--green); padding: 20px 24px; margin: 28px 0; border-radius: 0 4px 4px 0; }
.callout-box strong { color: var(--green); display: block; margin-bottom: 6px; font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; }

/* SIDEBAR */
.sidebar-widget { margin-bottom: 36px; }
.sidebar-widget-title { font-family: var(--serif); font-size: 16px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; border-bottom: 2px solid var(--ink); padding-bottom: 10px; margin-bottom: 18px; }
.sidebar-list { list-style: none; }
.sidebar-list li { padding: 12px 0; border-bottom: 1px solid var(--rule); font-size: 14px; }
.sidebar-list li a { color: var(--ink); text-decoration: none; }
.sidebar-list li a:hover { color: var(--gold); }
.sidebar-list li .list-num { font-family: var(--serif); font-size: 22px; font-weight: 900; color: var(--rule); margin-right: 12px; float: left; line-height: 1; margin-top: 2px; }
.sidebar-list li .list-text { display: block; overflow: hidden; }
.sidebar-list li .list-tag { font-size: 10px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); }

/* NEWSLETTER */
.newsletter-widget { background: var(--ink); color: var(--paper); padding: 28px; }
.newsletter-widget h3 { font-family: var(--serif); font-size: 20px; margin-bottom: 10px; color: var(--gold-light); }
.newsletter-widget p { font-size: 13px; color: rgba(250,249,245,0.7); margin-bottom: 18px; }
.newsletter-widget input { width: 100%; padding: 10px 14px; font-family: var(--body-serif); font-size: 14px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); color: var(--paper); margin-bottom: 10px; outline: none; }
.newsletter-widget input::placeholder { color: rgba(255,255,255,0.4); }
.newsletter-widget input:focus { border-color: var(--gold); }
.newsletter-widget button { width: 100%; padding: 11px; background: var(--gold); color: var(--ink); font-family: var(--body-serif); font-size: 12px; letter-spacing: 0.15em; text-transform: uppercase; border: none; cursor: pointer; font-weight: 600; }
.newsletter-widget button:hover { background: var(--gold-light); }
.newsletter-widget .disclaimer { font-size: 10px; color: rgba(255,255,255,0.35); margin-top: 8px; }

/* CALCULATOR */
.calc-wrapper { background: var(--paper-warm); border: 1px solid var(--rule); }
.calc-header { background: var(--ink); color: var(--paper); padding: 22px 28px; }
.calc-header h3 { font-family: var(--serif); font-size: 20px; color: var(--gold-light); }
.calc-header p { font-size: 13px; color: rgba(255,255,255,0.6); margin-top: 4px; }
.calc-body { padding: 28px; }
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.calc-field label { display: block; font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 6px; }
.calc-field input { width: 100%; padding: 10px 14px; font-family: var(--body-serif); font-size: 15px; background: var(--paper); border: 1px solid var(--rule); color: var(--ink); outline: none; transition: border-color 0.2s; }
.calc-field input:focus { border-color: var(--gold); }
.calc-btn { display: block; width: 100%; padding: 14px; background: var(--gold); color: var(--ink); font-family: var(--body-serif); font-size: 13px; letter-spacing: 0.15em; text-transform: uppercase; font-weight: 600; border: none; cursor: pointer; margin-top: 8px; transition: background 0.2s; }
.calc-btn:hover { background: var(--gold-light); }
.calc-result { margin-top: 24px; padding: 24px; background: var(--ink); color: var(--paper); display: none; }
.calc-result.visible { display: block; }
.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
.calc-result-item .label { font-size: 11px; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
.calc-result-item .value { font-family: var(--serif); font-size: 26px; font-weight: 700; color: var(--gold-light); }

/* POLICY PAGE */
.policy-page { max-width: 760px; margin: 60px auto; padding: 0 20px 60px; }
.policy-page h1 { font-family: var(--serif); font-size: 36px; font-weight: 700; margin-bottom: 8px; }
.policy-page .updated { font-size: 13px; color: var(--ink-muted); margin-bottom: 36px; padding-bottom: 20px; border-bottom: 1px solid var(--rule); }
.policy-page h2 { font-family: var(--serif); font-size: 22px; margin: 32px 0 14px; }
.policy-page p { margin-bottom: 16px; font-size: 16px; }
.policy-page ul, .policy-page ol { margin: 0 0 16px 24px; }
.policy-page li { margin-bottom: 8px; font-size: 16px; }
.policy-page a { color: var(--gold); }

/* CONTACT FORM */
.contact-form input, .contact-form textarea { width: 100%; padding: 12px 16px; font-family: var(--body-serif); font-size: 15px; background: var(--paper-warm); border: 1px solid var(--rule); color: var(--ink); margin-bottom: 16px; outline: none; }
.contact-form textarea { height: 140px; resize: vertical; }
.contact-form input:focus, .contact-form textarea:focus { border-color: var(--gold); }
.contact-form button { padding: 13px 36px; background: var(--ink); color: var(--paper); font-family: var(--body-serif); font-size: 13px; letter-spacing: 0.12em; text-transform: uppercase; border: none; cursor: pointer; }
.contact-form button:hover { background: var(--gold); color: var(--ink); }

/* ABOUT TEAM */
.about-team { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 32px; }
.team-card { background: var(--paper-warm); padding: 24px; border-top: 3px solid var(--gold); }
.team-card .avatar { width: 60px; height: 60px; border-radius: 50%; background: var(--ink); display: flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 22px; color: var(--gold-light); margin-bottom: 14px; }
.team-card h3 { font-family: var(--serif); font-size: 18px; margin-bottom: 4px; }
.team-card .role { font-size: 12px; color: var(--gold); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 10px; }
.team-card p { font-size: 13px; color: var(--ink-muted); }

/* HERO */
.hero { background: var(--ink); color: var(--paper); padding: 60px 20px; }
.hero-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-label { display: inline-block; background: var(--gold); color: var(--ink); font-size: 10px; letter-spacing: 0.2em; text-transform: uppercase; font-family: var(--body-serif); font-weight: 600; padding: 4px 12px; margin-bottom: 18px; }
.hero h1 { font-family: var(--serif); font-size: clamp(28px, 4vw, 44px); font-weight: 700; line-height: 1.2; margin-bottom: 18px; color: var(--paper); }
.hero p { font-size: 16px; color: rgba(250,249,245,0.75); margin-bottom: 28px; font-style: italic; }
.btn { display: inline-block; padding: 13px 28px; font-family: var(--body-serif); font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; text-decoration: none; cursor: pointer; border: none; transition: all 0.2s; }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: var(--gold-light); }
.btn-outline { background: transparent; color: var(--paper); border: 1px solid rgba(255,255,255,0.3); margin-left: 12px; }
.btn-outline:hover { border-color: var(--paper); }
.hero-stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; }
.hero-stat { background: rgba(255,255,255,0.05); padding: 24px; border-left: 3px solid var(--gold); }
.hero-stat-num { font-family: var(--serif); font-size: 36px; font-weight: 900; color: var(--gold-light); line-height: 1; }
.hero-stat-label { font-size: 12px; color: rgba(250,249,245,0.6); letter-spacing: 0.05em; margin-top: 4px; }

/* TOOLS */
.tools-section { background: var(--paper-warm); padding: 48px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.tool-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.tool-card { background: var(--paper); padding: 24px 20px; text-align: center; border-top: 3px solid transparent; transition: border-color 0.2s, transform 0.2s; }
.tool-card:hover { border-top-color: var(--gold); transform: translateY(-3px); }
.tool-icon { font-size: 32px; margin-bottom: 12px; }
.tool-card h3 { font-family: var(--serif); font-size: 16px; margin-bottom: 8px; }
.tool-card p { font-size: 13px; color: var(--ink-muted); }

/* FOOTER */
footer { background: var(--ink); color: rgba(250,249,245,0.6); padding: 60px 20px 32px; }
.footer-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.1); margin-bottom: 32px; }
.footer-brand .name { font-family: var(--serif); font-size: 24px; color: var(--paper); margin-bottom: 12px; }
.footer-brand .name a { color: inherit; text-decoration: none; }
.footer-brand .name span { color: var(--gold-light); }
.footer-brand p { font-size: 13px; line-height: 1.7; margin-bottom: 16px; }
.footer-col h4 { font-family: var(--body-serif); font-size: 12px; letter-spacing: 0.15em; text-transform: uppercase; color: var(--paper); margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(250,249,245,0.6); text-decoration: none; font-size: 13px; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-bottom { max-width: 1100px; margin: 0 auto; display: flex; justify-content: space-between; align-items: center; font-size: 12px; flex-wrap: wrap; gap: 12px; }
.footer-legal a { color: rgba(255,255,255,0.5); text-decoration: none; margin-left: 20px; }
.footer-legal a:hover { color: var(--gold-light); }
.footer-disclaimer { max-width: 1100px; margin: 24px auto 0; font-size: 11px; color: rgba(255,255,255,0.3); border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; line-height: 1.7; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-stat-grid { display: none; }
  .main-layout { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .article-grid-3 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .tool-cards { grid-template-columns: 1fr 1fr; }
  .about-team { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .article-grid-3 { grid-template-columns: 1fr; }
  .calc-row { grid-template-columns: 1fr; }
  .calc-result-grid { grid-template-columns: 1fr; }
  .tool-cards { grid-template-columns: 1fr 1fr; }
}