/* ==========================================================================
   Urja Investment — resources layer: insights, articles, calculators,
   glossary, help centre, hubs. Same tokens, leaf corners and motion as the rest.
   ========================================================================== */

/* ---------- filter bar ---------- */
.filterbar { display: flex; gap: 10px; margin-bottom: 30px; overflow-x: auto; scrollbar-width: none; padding-bottom: 2px; }
.filterbar::-webkit-scrollbar { display: none; }
.filterbar .chip { flex: none; font-family: var(--font-body); }

/* ---------- post cards ---------- */
.pgrid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.pgrid__empty { padding: 40px 0; text-align: center; color: var(--text-soft); }
.pcard { min-width: 0; border-radius: 6px 30px 6px 30px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-soft); overflow: hidden; transition: transform .45s var(--ease-out), box-shadow .45s var(--ease-out), border-color .3s ease; }
.pcard[hidden] { display: none; }
.pcard:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); border-color: color-mix(in srgb, var(--gold-deep) 40%, var(--line)); }
.pcard__link { display: flex; flex-direction: column; height: 100%; }
.pcard__art { position: relative; isolation: isolate; overflow: hidden; display: flex; align-items: flex-end; min-height: 170px; padding: 18px; }
.pcard__art--gold { background: linear-gradient(140deg, #FBF1D8, #E9C77C 58%, #B9822A); }
.pcard__art--green { background: linear-gradient(140deg, #EEF3E2, #B9CD9A 56%, #5F7E45); }
.pcard__art--ink { background: linear-gradient(140deg, #2A4558, #10222E 58%, #070F15); }
.pcard__blades { position: absolute; z-index: -1; right: -12%; top: -30%; width: 70%; aspect-ratio: 1; opacity: .2; transition: transform .8s var(--ease-out);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100'%3E%3Cpath fill='%23FFF6DC' d='M38 5C20 25 28 45 50 60c16 11 20 22 12 37 22-17 22-39 0-55C44 29 34 20 38 5ZM18 45C8 58 14 70 28 79c10 7 12 13 9 21 13-12 11-24-1-33-12-9-19-14-18-22Z'/%3E%3C/svg%3E") center / contain no-repeat; }
.pcard:hover .pcard__blades { transform: translateY(-6px) rotate(-4deg) scale(1.04); }
.pcard__ico { display: grid; place-items: center; width: 68px; height: 68px; border-radius: 4px 20px 4px 20px; }
.pcard__body { display: flex; flex-direction: column; flex: 1; gap: 10px; padding: 20px 22px 22px; }
.pcard__meta { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 12px; font-size: .78rem; color: var(--slate); }
.pcard h3 { font-size: 1.2rem; line-height: 1.22; letter-spacing: -.02em; }
.pcard__excerpt { font-size: .9rem; color: var(--text-soft); line-height: 1.55; }
.pcard .link-gold { margin-top: auto; padding-top: 8px; }
.pcard--featured { grid-column: span 2; }
.pcard--featured .pcard__link { flex-direction: row; }
.pcard--featured .pcard__art { flex: 0 0 42%; min-height: 300px; }
.pcard--featured .pcard__ico { width: 96px; height: 96px; border-radius: 6px 28px 6px 28px; }
.pcard--featured h3 { font-size: clamp(1.4rem, 2vw, 1.9rem); line-height: 1.12; letter-spacing: -.03em; }
.pcard--featured .pcard__body { justify-content: center; padding: clamp(22px, 2.4vw, 36px); }

/* ---------- article ---------- */
.art__head { position: relative; isolation: isolate; overflow: hidden; border-bottom: 1px solid var(--line); background: radial-gradient(80% 140% at 100% 0%, color-mix(in srgb, var(--gold) 28%, var(--bg-warm)), var(--bg-warm) 60%); }
.art__blades { position: absolute; z-index: -1; right: -4%; top: -30%; width: min(46vw, 620px); aspect-ratio: 1; opacity: .09;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100'%3E%3Cpath fill='%23B07A23' d='M38 5C20 25 28 45 50 60c16 11 20 22 12 37 22-17 22-39 0-55C44 29 34 20 38 5ZM18 45C8 58 14 70 28 79c10 7 12 13 9 21 13-12 11-24-1-33-12-9-19-14-18-22Z'/%3E%3C/svg%3E") center / contain no-repeat; }
.art__headin { padding-block: clamp(32px, 4vw, 56px) clamp(36px, 5vw, 64px); max-width: min(var(--wrap), 1080px); }
.art__meta { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; margin-bottom: 18px; font-size: .84rem; color: var(--slate); }
.art__head h1 { font-size: clamp(2rem, 4.4vw, 3.5rem); line-height: 1.04; max-width: 22ch; }
.art__standfirst { margin-top: 18px; max-width: 60ch; font-size: clamp(1.05rem, 1.4vw, 1.25rem); line-height: 1.5; color: var(--text-soft); }
.art__by { display: flex; align-items: center; gap: 12px; margin-top: 26px; }
.art__byico { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 4px 15px 4px 15px; }
.art__by strong { display: block; font-size: .95rem; } .art__by small { display: block; font-size: .8rem; color: var(--text-soft); }

.art__layout { display: grid; grid-template-columns: minmax(200px, 260px) minmax(0, 760px); gap: clamp(28px, 5vw, 80px); justify-content: center; padding-block: clamp(36px, 5vw, 64px); }
.art__aside { position: sticky; top: calc(var(--nav-h) + 20px); align-self: start; display: grid; gap: 22px; }
.toc, .sharebox { padding: 18px 20px; border-radius: 4px 22px 4px 22px; background: var(--surface); border: 1px solid var(--line); }
.toc__title { margin-bottom: 10px; font-size: .68rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--bronze); }
.toc ol { display: grid; gap: 2px; counter-reset: t; }
.toc a { display: block; padding: 7px 0 7px 14px; border-left: 2px solid var(--line); font-size: .88rem; line-height: 1.35; color: var(--text-soft); transition: color .2s ease, border-color .2s ease; }
.toc a:hover, .toc a.is-active { color: var(--text); border-color: var(--gold-deep); }
.sharebox ul { display: flex; flex-wrap: wrap; gap: 8px; }
.sharebox a, .sharebox button { display: block; padding: 7px 13px; border-radius: 999px; border: 1px solid var(--line); background: var(--bg); font: inherit; font-size: .8rem; font-weight: 500; color: var(--text); cursor: pointer; }
.sharebox a:hover, .sharebox button:hover { border-color: var(--gold-deep); color: var(--gold-deep); }

.prose { min-width: 0; font-size: 1.08rem; line-height: 1.75; color: #2A2622; }
:root[data-theme="dark"] .prose { color: var(--text); }
.prose > * + * { margin-top: 1.15em; }
.prose > p:first-child::first-letter { float: left; margin: .06em .1em 0 0; font-weight: 800; font-size: 3.5em; line-height: .82; background: linear-gradient(135deg, var(--cta-from), var(--cta-to)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.prose h2 { margin-top: 2em; font-size: clamp(1.4rem, 2.2vw, 1.85rem); line-height: 1.15; scroll-margin-top: calc(var(--nav-h) + 24px); }
.prose h2::before { content: ''; display: block; width: 38px; height: 3px; margin-bottom: 14px; border-radius: 2px; background: linear-gradient(90deg, var(--cta-from), var(--cta-to)); }
.prose a { color: var(--gold-deep); text-decoration: underline; text-underline-offset: 3px; }
.prose ul { display: grid; gap: .6em; }
.prose ul li { position: relative; padding-left: 26px; }
.prose ul li::before { content: ''; position: absolute; left: 2px; top: .52em; width: 10px; height: 13px; border-radius: 1px 8px 1px 8px; background: linear-gradient(160deg, var(--cta-from), var(--cta-to)); }
.prose__steps { display: grid; gap: .8em; counter-reset: st; }
.prose__steps li { position: relative; padding: 14px 18px 14px 62px; border-radius: 4px 18px 4px 18px; background: var(--surface); border: 1px solid var(--line); counter-increment: st; font-size: 1rem; line-height: 1.55; }
.prose__steps li::before { content: counter(st, decimal-leading-zero); position: absolute; left: 18px; top: 13px; font-weight: 800; font-size: 1.15rem; letter-spacing: -.03em; color: var(--gold-deep); font-variant-numeric: tabular-nums; }
.prose__note { display: flex; gap: 16px; align-items: flex-start; padding: 18px 20px; border-radius: 4px 22px 4px 22px; background: color-mix(in srgb, var(--gold) 13%, var(--surface)); border: 1px solid color-mix(in srgb, var(--gold-deep) 26%, transparent); }
.prose__note p { margin: 0; font-size: .96rem; line-height: 1.6; }
.prose__table { overflow-x: auto; border-radius: 4px 20px 4px 20px; border: 1px solid var(--line); background: var(--surface); }
.prose__table table { width: 100%; min-width: 520px; border-collapse: collapse; font-size: .92rem; line-height: 1.45; }
.prose__table th, .prose__table td { padding: 13px 16px; text-align: left; vertical-align: top; border-top: 1px solid var(--line); }
.prose__table thead th { border-top: 0; background: var(--navy); color: var(--gold); font-size: .7rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.prose__table tbody th { font-weight: 600; color: var(--text); white-space: nowrap; }
.prose__table td { color: var(--text-soft); }
.prose__disclaimer { margin-top: 2.4em; padding-top: 1.4em; border-top: 1px solid var(--line); font-size: .82rem; line-height: 1.6; color: var(--slate); }
.art__next { display: grid; gap: 12px; margin-top: 2em; }
.rel--gold { background: linear-gradient(150deg, color-mix(in srgb, var(--gold) 22%, var(--surface)), var(--surface)); border-color: color-mix(in srgb, var(--gold-deep) 35%, var(--line)); }
.rel--static { cursor: default; } .rel--static:hover { transform: none; border-color: var(--line); }

/* ---------- hubs & tool cards ---------- */
.hubs { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.tcards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.hub, .tcard { position: relative; display: flex; flex-direction: column; align-items: flex-start; gap: 10px; height: 100%; padding: 26px 24px 24px; border-radius: 6px 30px 6px 30px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-soft); transition: transform .45s var(--ease-out), box-shadow .45s var(--ease-out), border-color .3s ease; }
.hub:hover, .tcard:hover { transform: translateY(-5px); box-shadow: var(--shadow-lift); border-color: color-mix(in srgb, var(--gold-deep) 45%, var(--line)); }
.hub__ico, .tcard__ico { display: grid; place-items: center; width: 76px; height: 76px; margin-bottom: 8px; border-radius: 4px 22px 4px 22px; }
.hub:hover .hub__ico, .tcard:hover .tcard__ico { transform: translateY(-2px) rotate(-3deg); }
.hub__count, .tcard__n { position: absolute; top: 24px; right: 24px; font-size: .74rem; font-weight: 600; letter-spacing: .08em; color: var(--bronze); }
.tcard__n { font-size: 1.4rem; letter-spacing: -.03em; color: color-mix(in srgb, var(--gold-deep) 40%, transparent); }
.hub h2, .tcard h2 { font-size: 1.3rem; letter-spacing: -.025em; }
.hub p, .tcard p { font-size: .9rem; line-height: 1.55; color: var(--text-soft); }
.hub .link-gold, .tcard .link-gold { margin-top: auto; padding-top: 10px; }
.tcard__formula { display: block; max-width: 100%; padding: 8px 12px; border-radius: 3px 12px 3px 12px; background: var(--bg); border: 1px solid var(--line); font-family: var(--font-body); font-size: .78rem; color: var(--bronze); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }

/* ---------- calculator ---------- */
.thero { padding: clamp(28px, 4vw, 52px) 0 clamp(10px, 2vw, 22px); background: radial-gradient(70% 160% at 100% 0%, color-mix(in srgb, var(--gold) 26%, var(--bg-warm)), var(--bg-warm) 60%); }
.thero__row { display: flex; align-items: center; gap: clamp(14px, 2vw, 24px); }
.thero__ico { display: grid; place-items: center; flex: none; width: clamp(64px, 7vw, 92px); aspect-ratio: 1; border-radius: 6px 28px 6px 28px; }
.thero h1 { font-size: clamp(2rem, 4.6vw, 3.6rem); line-height: 1.02; margin-top: 8px; }
.thero__lede { margin-top: 16px; max-width: 70ch; font-size: clamp(1rem, 1.2vw, 1.12rem); color: var(--text-soft); }

.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: 0; border-radius: 8px clamp(30px, 4vw, 56px) 8px clamp(30px, 4vw, 56px); background: var(--surface); border: 1px solid rgba(176, 122, 35, .24); box-shadow: 0 40px 80px -46px rgba(16, 34, 46, .5); overflow: hidden; }
.calc > * { min-width: 0; }
.calc__inputs { display: grid; align-content: start; gap: clamp(20px, 2.4vw, 30px); padding: clamp(22px, 3vw, 44px); }
.cfield__top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 12px; }
.cfield label { font-size: .95rem; font-weight: 600; letter-spacing: -.01em; }
.cfield__box { display: inline-flex; align-items: center; gap: 4px; padding: 8px 12px; border-radius: 3px 12px 3px 12px; background: color-mix(in srgb, var(--gold) 14%, var(--surface)); border: 1px solid color-mix(in srgb, var(--gold-deep) 30%, transparent); color: var(--gold-deep); font-weight: 700; transition: border-color .2s ease, box-shadow .2s ease; }
.cfield__box:focus-within { border-color: var(--gold-deep); box-shadow: 0 0 0 3px color-mix(in srgb, var(--gold) 35%, transparent); }
.cfield__box input { width: 9ch; border: 0; outline: 0; background: none; text-align: right; font: inherit; font-weight: 700; font-size: 1.02rem; color: var(--text); -moz-appearance: textfield; appearance: textfield; }
.cfield__box input::-webkit-outer-spin-button, .cfield__box input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.cfield__range { --p: 50%; width: 100%; height: 22px; margin: 0; background: none; -webkit-appearance: none; appearance: none; cursor: pointer; }
.cfield__range::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(90deg, var(--cta-from), var(--cta-to)) 0 / var(--p) 100% no-repeat, var(--line); }
.cfield__range::-moz-range-track { height: 6px; border-radius: 3px; background: var(--line); }
.cfield__range::-moz-range-progress { height: 6px; border-radius: 3px; background: linear-gradient(90deg, var(--cta-from), var(--cta-to)); }
.cfield__range::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; margin-top: -8px; border-radius: 3px 10px 3px 10px; background: var(--navy); border: 2px solid var(--gold); box-shadow: 0 6px 14px -4px rgba(16, 34, 46, .6); transition: transform .2s var(--ease-out); }
.cfield__range::-moz-range-thumb { width: 18px; height: 18px; border-radius: 3px 10px 3px 10px; background: var(--navy); border: 2px solid var(--gold); }
.cfield__range:active::-webkit-slider-thumb, .cfield__range:focus-visible::-webkit-slider-thumb { transform: scale(1.15); }
.cfield__ends { display: flex; justify-content: space-between; margin-top: 4px; font-size: .72rem; color: var(--slate); }
.calc__assume { font-size: .8rem; line-height: 1.5; color: var(--slate); padding-top: 4px; border-top: 1px dashed var(--line); padding-top: 16px; }

.calc__result { position: relative; isolation: isolate; overflow: hidden; display: flex; flex-direction: column; gap: 22px; padding: clamp(22px, 3vw, 44px); background: linear-gradient(155deg, #1B3344 0%, #10222E 48%, #070F15 100%); color: var(--text-on-dark); }
.calc__blades { position: absolute; z-index: -1; right: -18%; top: -14%; width: 80%; aspect-ratio: 1; opacity: .07;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100'%3E%3Cpath fill='%23F5C25E' d='M38 5C20 25 28 45 50 60c16 11 20 22 12 37 22-17 22-39 0-55C44 29 34 20 38 5ZM18 45C8 58 14 70 28 79c10 7 12 13 9 21 13-12 11-24-1-33-12-9-19-14-18-22Z'/%3E%3C/svg%3E") center / contain no-repeat; }
.calc__top { display: flex; align-items: center; gap: clamp(18px, 2.4vw, 34px); }
.calc__donut { position: relative; flex: none; width: clamp(128px, 13vw, 176px); aspect-ratio: 1; }
.calc__donut svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.donut__bg, .donut__fg { fill: none; stroke-width: 11; }
.donut__bg { stroke: rgba(233, 223, 198, .85); }
.donut__fg { stroke: #F5C25E; stroke-linecap: butt; transition: stroke-dasharray .6s var(--ease-out); }
.calc__donut p { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; padding: 0 18%; }
.calc__donut strong { font-size: clamp(.95rem, 1.3vw, 1.2rem); font-weight: 800; letter-spacing: -.02em; color: #fff; }
.calc__donut small { font-size: .62rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(247, 241, 226, .62); }
.calc__nums { flex: 1; display: grid; gap: 0; margin: 0; min-width: 0; }
.calc__nums div { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; padding: 11px 0; border-bottom: 1px solid rgba(247, 241, 226, .1); }
.calc__nums dt { display: flex; align-items: center; gap: 9px; font-size: .88rem; color: rgba(247, 241, 226, .78); }
.calc__nums dd { margin: 0; font-size: 1.05rem; font-weight: 700; color: #fff; white-space: nowrap; }
.calc__nums .is-total { border-bottom: 0; padding-top: 14px; }
.calc__nums .is-total dd { font-size: clamp(1.5rem, 2.4vw, 2.1rem); font-weight: 800; letter-spacing: -.04em; background: linear-gradient(135deg, #FFE9B0, #F5C25E 45%, #C8902F); -webkit-background-clip: text; background-clip: text; color: transparent; }
.dot { display: inline-block; flex: none; width: 9px; height: 12px; border-radius: 1px 7px 1px 7px; }
.dot--0 { background: #E9DFC6; } .dot--1 { background: #C8902F; } .dot--2 { background: #F5C25E; }
.calc__chart { border-radius: 3px 18px 3px 18px; background: rgba(247, 241, 226, .04); border: 1px solid rgba(247, 241, 226, .08); padding: 12px 12px 8px; }
.calc__chart svg { display: block; width: 100%; height: clamp(120px, 14vw, 190px); }
.calc__legend { display: flex; gap: 20px; font-size: .78rem; color: rgba(247, 241, 226, .7); margin-top: -10px; }
.calc__legend span { display: inline-flex; align-items: center; gap: 8px; } .calc__legend b { font-weight: 500; }
.calc__cta { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 20px; margin-top: auto; padding-top: 6px; }
.calc__alt { font-size: .9rem; font-weight: 600; color: var(--gold); }

.sched { margin-top: 18px; border-radius: 4px 24px 4px 24px; background: var(--surface); border: 1px solid var(--line); overflow: hidden; }
.sched summary { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 18px 22px; cursor: pointer; font-weight: 700; list-style: none; }
.sched summary::-webkit-details-marker { display: none; }
.sched summary i { position: relative; width: 30px; height: 30px; border-radius: 3px 11px 3px 11px; border: 1px solid var(--line); transition: transform .4s var(--ease-out), background .3s ease; }
.sched summary i::before, .sched summary i::after { content: ''; position: absolute; left: 50%; top: 50%; width: 11px; height: 2px; margin: -1px 0 0 -5.5px; border-radius: 2px; background: var(--text); transition: transform .4s var(--ease-out), background .3s ease; }
.sched summary i::after { transform: rotate(90deg); }
.sched[open] summary i { background: var(--navy); border-color: var(--navy); transform: rotate(180deg); }
.sched[open] summary i::before, .sched[open] summary i::after { background: var(--gold); } .sched[open] summary i::after { transform: none; }
.sched__wrap { max-height: 420px; overflow: auto; border-top: 1px solid var(--line); }
.sched__table { width: 100%; min-width: 440px; border-collapse: collapse; font-size: .88rem; }
.sched__table th, .sched__table td { padding: 10px 22px; text-align: right; border-top: 1px solid color-mix(in srgb, var(--line) 60%, transparent); }
.sched__table th:first-child { text-align: left; }
.sched__table thead th { position: sticky; top: 0; border-top: 0; background: var(--bg); font-size: .68rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--bronze); }
.sched__table tbody th { font-weight: 600; color: var(--text-soft); }
.sched__table td:last-child { font-weight: 700; color: var(--text); }
.formula { margin: 0; padding: 20px 22px; border-radius: 4px 22px 4px 22px; background: var(--navy); color: var(--gold); overflow-x: auto; }
.formula code { font-family: var(--font-body); font-size: clamp(.95rem, 1.4vw, 1.2rem); font-weight: 600; letter-spacing: .01em; white-space: pre-wrap; }
.ticks--one { grid-template-columns: 1fr !important; }

/* ---------- glossary ---------- */
.gtools { position: sticky; top: var(--nav-h); z-index: 5; display: grid; gap: 12px; margin: 0 calc(var(--gutter) * -1) 26px; padding: 14px var(--gutter); background: color-mix(in srgb, var(--bg-warm) 92%, transparent); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.gsearch { display: flex; align-items: center; gap: 12px; padding: 0 18px; border-radius: 4px 20px 4px 20px; background: var(--surface); border: 1px solid var(--line); transition: border-color .2s ease, box-shadow .2s ease; }
.gsearch:focus-within { border-color: var(--gold-deep); box-shadow: 0 0 0 3px color-mix(in srgb, var(--gold) 30%, transparent); }
.gsearch input { flex: 1; min-width: 0; padding: 15px 0; border: 0; outline: 0; background: none; font: inherit; font-size: 1rem; color: var(--text); }
.gletters { display: flex; gap: 4px; overflow-x: auto; scrollbar-width: none; } .gletters::-webkit-scrollbar { display: none; }
.gletters a { flex: none; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 3px 11px 3px 11px; border: 1px solid var(--line); background: var(--surface); font-size: .86rem; font-weight: 700; }
.gletters a:hover { background: var(--navy); border-color: var(--navy); color: var(--gold); }
.ggroup { display: grid; grid-template-columns: clamp(60px, 8vw, 120px) minmax(0, 1fr); gap: clamp(12px, 3vw, 40px); padding: 26px 0; border-top: 1px solid var(--line); scroll-margin-top: calc(var(--nav-h) + 130px); }
.ggroup[hidden], .gterm[hidden] { display: none; }
.ggroup__letter { position: sticky; top: calc(var(--nav-h) + 140px); align-self: start; font-size: clamp(2.6rem, 6vw, 5rem); line-height: .9; letter-spacing: -.05em; background: linear-gradient(135deg, var(--cta-from), var(--cta-to)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.ggroup dl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin: 0; }
.gterm { padding: 18px 20px; border-radius: 4px 20px 4px 20px; background: var(--surface); border: 1px solid var(--line); scroll-margin-top: calc(var(--nav-h) + 140px); transition: border-color .3s ease; }
.gterm:target { border-color: var(--gold-deep); box-shadow: 0 0 0 3px color-mix(in srgb, var(--gold) 30%, transparent); }
.gterm dt { font-weight: 700; font-size: 1.02rem; letter-spacing: -.015em; margin-bottom: 5px; }
.gterm dd { margin: 0; font-size: .9rem; line-height: 1.55; color: var(--text-soft); }

/* ---------- help centre ---------- */
.helpwrap { display: grid; grid-template-columns: minmax(200px, 280px) minmax(0, 1fr); gap: clamp(24px, 4vw, 72px); align-items: start; }
.helpnav { position: sticky; top: calc(var(--nav-h) + 20px); padding: 18px; border-radius: 4px 24px 4px 24px; background: var(--surface); border: 1px solid var(--line); }
.helpnav ul { display: grid; gap: 2px; }
.helpnav a { display: flex; align-items: center; gap: 12px; padding: 10px; border-radius: 3px 14px 3px 14px; font-size: .92rem; font-weight: 500; }
.helpnav a:hover { background: color-mix(in srgb, var(--gold) 13%, var(--surface)); }
.helpbody { display: grid; gap: clamp(30px, 4vw, 52px); min-width: 0; }
.helpgroup { scroll-margin-top: calc(var(--nav-h) + 24px); }
.helpgroup h2 { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; font-size: clamp(1.3rem, 2vw, 1.7rem); }
.helpgroup__ico { display: grid; place-items: center; flex: none; width: 54px; height: 54px; border-radius: 4px 17px 4px 17px; }

/* ---------- responsive ---------- */
@media (max-width: 1180px) {
  .pgrid, .tcards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hubs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .art__layout { grid-template-columns: minmax(0, 760px); }
  .art__aside { position: static; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .pgrid, .tcards, .hubs, .ggroup dl { grid-template-columns: 1fr; }
  .pcard--featured { grid-column: auto; } .pcard--featured .pcard__link { flex-direction: column; } .pcard--featured .pcard__art { flex: none; min-height: 190px; }
  .art__aside { grid-template-columns: 1fr; }
  .prose { font-size: 1.02rem; }
  .helpwrap { grid-template-columns: 1fr; } .helpnav { position: static; } .helpnav ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .calc__top { flex-direction: column; align-items: stretch; } .calc__donut { align-self: center; }
  .ggroup { grid-template-columns: 1fr; gap: 10px; } .ggroup__letter { position: static; font-size: 2.4rem; }
}
@media (max-width: 420px) {
  .helpnav ul { grid-template-columns: 1fr; }
  .cfield__top { flex-direction: column; align-items: stretch; } .cfield__box { justify-content: space-between; } .cfield__box input { width: 100%; }
  .prose__steps li { padding: 46px 16px 14px; } .prose__steps li::before { top: 14px; left: 16px; }
  .sched__table th, .sched__table td { padding: 9px 12px; }
  .calc__cta .btn { width: 100%; }
}

/* home: calculators strip under the latest articles */
.toolstrip { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; margin-top: 24px; padding: 16px 22px; border-radius: 4px 24px 4px 24px; background: var(--surface); border: 1px solid var(--line); }
.toolstrip__label { display: flex; align-items: center; gap: 12px; }
.toolstrip__label strong { display: block; font-size: .95rem; } .toolstrip__label small { display: block; font-size: .78rem; color: var(--text-soft); }
.toolstrip ul { display: flex; flex: 1; flex-wrap: wrap; gap: 8px; }
.toolstrip li a { display: block; padding: 7px 15px; border-radius: 999px; border: 1px solid var(--line); background: var(--bg); font-size: .84rem; font-weight: 500; }
.toolstrip li a:hover { border-color: var(--gold-deep); color: var(--gold-deep); }

/* fixes: gold headline phrase on tool/article heroes; legacy testimonial `.story` card must not style the layout grid */
.thero h1 em, .art__head h1 em { font-style: normal; background: linear-gradient(120deg, var(--cta-from), var(--cta-to)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.wrap.story { position: static; padding: 0 var(--gutter); border: 0; border-radius: 0; background: none; box-shadow: none; }
.wrap.story::after { content: none; }
.prose .rel, .prose .rel strong { color: var(--text); text-decoration: none; } .prose .rel small { color: var(--text-soft); }

/* footer now carries five link columns */
.footer__inner { grid-template-columns: minmax(0, 1.5fr) repeat(4, minmax(0, .8fr)) minmax(0, 1.15fr); }
@media (max-width: 1280px) { .footer__inner { grid-template-columns: repeat(3, minmax(0, 1fr)); } .footer__brand { grid-column: 1 / -1; } }
@media (max-width: 760px) { .footer__inner { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer__contact { grid-column: 1 / -1; } }
@media (max-width: 380px) { .footer__inner { grid-template-columns: 1fr; } }

/* narrow-screen guards */
.tcards > li, .hubs > li, .pgrid > *, .relgrid > li { min-width: 0; }
.tcard, .hub { min-width: 0; } .tcard__formula { align-self: stretch; min-width: 0; }
.helpbody, .helpgroup, .helpgroup .faq__list { min-width: 0; }
@media (max-width: 420px) {
  .phero__cta .btn, .thero .btn { flex: 1 1 100%; white-space: normal; text-align: center; }
  .thero__row { align-items: flex-start; }
  .helpgroup h2 { font-size: 1.2rem; }
}
.leadwrap__list li { min-width: 0; } .leadwrap__list a { min-width: 0; overflow-wrap: anywhere; }

/* ==========================================================================
   Pay Now — bank details, UPI, email template
   ========================================================================== */
.paysafe { background: var(--navy); color: var(--text-on-dark); border-bottom: 3px solid var(--gold); }
.paysafe__inner { display: flex; gap: 16px; align-items: center; padding-block: 18px; }
.paysafe__ico { display: grid; place-items: center; flex: none; width: 54px; height: 54px; border-radius: 4px 17px 4px 17px; background: rgba(245, 194, 94, .14); border: 1px solid rgba(245, 194, 94, .34); }
.paysafe p { font-size: .94rem; line-height: 1.55; color: rgba(247, 241, 226, .86); }
.paysafe strong { color: #fff; } .paysafe b { color: var(--gold); font-weight: 700; letter-spacing: .01em; }

.paygrid { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(0, 1fr); gap: 20px; align-items: start; }
.paycard { min-width: 0; border-radius: 6px 30px 6px 30px; background: var(--surface); border: 1px solid rgba(176, 122, 35, .24); box-shadow: 0 30px 60px -40px rgba(16, 34, 46, .45); overflow: hidden; }
.paycard__head { display: flex; align-items: center; gap: 14px; padding: 20px 24px; border-bottom: 1px solid var(--line); background: linear-gradient(150deg, color-mix(in srgb, var(--gold) 14%, var(--surface)), var(--surface)); }
.paycard__head > div { flex: 1; min-width: 0; }
.paycard__ico { display: grid; place-items: center; flex: none; width: 54px; height: 54px; border-radius: 4px 17px 4px 17px; }
.paycard__head h3 { font-size: 1.12rem; letter-spacing: -.02em; }
.paycard__head p { font-size: .84rem; color: var(--text-soft); }
.paycard__all { flex: none; padding: 8px 15px; border-radius: 999px; border: 1px solid var(--line); background: var(--surface); font: inherit; font-size: .78rem; font-weight: 600; cursor: pointer; transition: border-color .2s ease, color .2s ease; }
.paycard__all:hover { border-color: var(--gold-deep); color: var(--gold-deep); }
.paycard__rows { margin: 0; }
.payrow { display: grid; grid-template-columns: minmax(120px, 34%) minmax(0, 1fr); gap: 10px 18px; align-items: baseline; padding: 13px 24px; border-bottom: 1px solid color-mix(in srgb, var(--line) 60%, transparent); }
.payrow:last-child { border-bottom: 0; }
.payrow:hover { background: color-mix(in srgb, var(--gold) 7%, transparent); }
.payrow dt { font-size: .8rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--bronze); }
.payrow dd { display: flex; align-items: center; gap: 10px; margin: 0; min-width: 0; font-size: .98rem; line-height: 1.45; overflow-wrap: anywhere; }
.payrow__big { font-size: 1.16rem; font-weight: 700; letter-spacing: .02em; }
.payrow__copy { flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 3px 11px 3px 11px; border: 1px solid var(--line); background: var(--bg); color: var(--slate); cursor: pointer; transition: all .2s ease; }
.payrow__copy:hover { border-color: var(--gold-deep); color: var(--gold-deep); background: var(--surface); }
.payrow__copy.is-done { background: var(--navy); border-color: var(--navy); color: var(--gold); }
.paycard__foot { display: flex; gap: 10px; align-items: flex-start; padding: 16px 24px; background: var(--bg); border-top: 1px solid var(--line); font-size: .8rem; line-height: 1.5; color: var(--text-soft); }
.paycard__foot .uico { flex: none; margin-top: 1px; }

.paycard--upi { display: flex; flex-direction: column; }
.payqr { display: grid; place-items: center; padding: 24px; background: repeating-linear-gradient(135deg, color-mix(in srgb, var(--gold) 7%, var(--surface)) 0 14px, var(--surface) 14px 28px); }
.payqr img { width: min(240px, 68vw); height: auto; padding: 14px; border-radius: 4px 20px 4px 20px; background: #fff; border: 1px solid var(--line); box-shadow: 0 18px 34px -22px rgba(16, 34, 46, .5); }
.payupi { padding: 20px 24px 24px; display: grid; gap: 10px; }
.payupi__label { font-size: .7rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--bronze); }
.payupi__id { display: flex; align-items: center; gap: 10px; font-size: 1rem; font-weight: 600; overflow-wrap: anywhere; }
.payupi__btn { justify-content: center; }
.payupi__note { font-size: .8rem; line-height: 1.5; color: var(--text-soft); }

.steps--three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.mailcard { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(20px, 3vw, 44px); align-items: center; margin-top: 22px; padding: clamp(22px, 3vw, 34px); border-radius: 6px 30px 6px 30px; background: var(--surface); border: 1px solid var(--line); box-shadow: var(--shadow-soft); }
.mailcard__copy h3 { font-size: clamp(1.25rem, 2vw, 1.6rem); margin: 10px 0 8px; }
.mailcard__copy p { font-size: .92rem; color: var(--text-soft); }
.mailcard__fields { display: grid; gap: 10px; min-width: 0; }
.mailfield { display: grid; grid-template-columns: 78px minmax(0, 1fr) auto; gap: 12px; align-items: center; padding: 12px 16px; border-radius: 3px 16px 3px 16px; background: var(--bg); border: 1px solid var(--line); }
.mailfield span { font-size: .72rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--bronze); }
.mailfield b { font-size: .92rem; font-weight: 600; overflow-wrap: anywhere; }
.mailcard__fields .btn { justify-content: center; }

@media (max-width: 1024px) { .paygrid { grid-template-columns: 1fr; } .steps--three { grid-template-columns: 1fr; } .mailcard { grid-template-columns: 1fr; } }
@media (max-width: 560px) {
  .paysafe__inner { flex-direction: column; align-items: flex-start; gap: 12px; }
  .payrow { grid-template-columns: 1fr; gap: 4px; padding: 12px 18px; }
  .paycard__head { flex-wrap: wrap; } .paycard__all { order: 3; width: 100%; }
  .mailfield { grid-template-columns: 1fr auto; } .mailfield span { grid-column: 1 / -1; }
  .paycard__foot { padding: 14px 18px; }
}
.payrow__copy .uico, .mailfield .payrow__copy .uico { width: 18px; height: 18px; }
.payrow__copy.is-done .uico { --ia: url(#uAd); --ib: url(#uBd); --ik: #10222E; }
.btn__meta { font-size: .72rem; font-weight: 500; opacity: .7; letter-spacing: .02em; }