/* Investing Explained v10: a normal desktop-first website (owner direction relayed by Grok Bot, Oct 23, 2026 5:35 PM CT).
   Full-width header and footer, content up to 1200px, multi-column sections on wide screens, one column on phones.
   No phone shell, device frame, status bar or app tab bar. Pearl Hall colours from v5-v9. */
:root {
  --text: #14213d; --text-2: #4a4f63; --accent: #b8892f; --accent-ink: #7a5810; --navy: #14213d;
  --bg: #fbf5ea; --bg-tint: #f6ead3; --card: #ffffff; --card-border: rgba(184, 137, 47, .45); --hairline: rgba(184, 137, 47, .32);
  --input-bg: #ffffff; --input-border: #8a8170; --row-checked: #fbf1dc; --error: #9b1c1c; --focus: #1d3fa6; --link: #1d3a7a;
  --pill-bg: #14213d; --pill-text: #ffffff; --footer-link: #f3d48a;
  --head-font: "DM Serif Display", "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", "Noto Serif", Georgia, serif;
  --body-font: Inter, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1200px;
}
* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--bg); color: var(--text); font: 17px/1.6 var(--body-font); -webkit-text-size-adjust: 100%; }
main { outline: none; }
h1, h2, h3 { line-height: 1.2; margin: 0 0 10px; color: var(--text); }
h2.section-h { font-family: var(--head-font); font-weight: 400; font-size: clamp(28px, 3vw, 38px); }
h3 { font-size: 20px; }
p { margin: 0 0 12px; }
a { color: var(--link); }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 32px; }
.wrap.narrow { max-width: 860px; padding-top: 40px; padding-bottom: 40px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 12px 16px; border-radius: 8px; z-index: 10; }
.skip:focus { left: 8px; }

/* Header: full width, logo left, links right */
.site-header { background: #fffdf8; border-bottom: 1px solid var(--hairline); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--text); }
.brand .logo { width: 40px; height: 40px; }
.brand-name { font-family: var(--head-font); font-size: 26px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-url { font-size: 15px; font-weight: 600; color: var(--text-2); letter-spacing: .01em; }
.footer-url { margin: 2px 0 10px; font-weight: 600; }
.site-nav ul { display: flex; flex-wrap: wrap; gap: 4px 26px; list-style: none; margin: 0; padding: 0; }
.site-nav a { display: inline-block; padding: 10px 0; color: var(--text); font-weight: 600; font-size: 16px; text-decoration: none; border-bottom: 2px solid transparent; }
.site-nav a:hover { border-bottom-color: var(--accent); }

/* Hero: two columns on desktop */
.hero { background: linear-gradient(170deg, #fdf8ee 0%, #f6ead3 100%); padding: 56px 0 48px; border-bottom: 1px solid var(--hairline); }
.hero-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 48px; align-items: center; }
.tagline { font-family: var(--head-font); font-weight: 400; font-size: clamp(40px, 4.4vw, 60px); line-height: 1.05; letter-spacing: .02em; margin: 0 0 20px; }
.tagline span { display: block; }
.tagline .t2 { color: var(--accent-ink); margin-top: .1em; }
.hero .sub { font-size: 21px; color: var(--text-2); font-weight: 600; margin: 0 0 22px; max-width: 34em; }
.pill { display: inline-flex; align-items: center; gap: 10px; margin: 0; padding: 9px 16px; border-radius: 999px; background: var(--pill-bg); color: var(--pill-text); font-size: 14px; font-weight: 700; }
.pill-dot { width: 8px; height: 8px; border-radius: 50%; background: #3fbf86; }
.hero-art { position: relative; margin: 0; }
.hero-art img { display: block; width: 100%; height: auto; aspect-ratio: 16 / 9; object-fit: cover; border-radius: 18px; box-shadow: 0 24px 60px rgba(120, 85, 30, .18), 0 0 0 1px var(--hairline); }
.ai-label { position: absolute; right: 14px; bottom: 14px; margin: 0; padding: 6px 12px; border-radius: 999px; background: var(--navy); color: #fff; font: 700 13px/1.2 var(--body-font); }
.intro { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 40px; font-size: 18px; }
.intro p { margin: 0; }
.intro p:first-child { font-weight: 600; }

/* Sections and cards */
.band { padding: 64px 0; }
.band-tint { background: var(--bg-tint); }
.card { background: var(--card); border: 1px solid var(--card-border); border-radius: 16px; padding: 28px; box-shadow: 0 12px 32px rgba(120, 85, 30, .08); }
.src { color: var(--text-2); font-size: 14px; line-height: 1.5; }
.src small { font-size: inherit; }
.funds-note { margin: 0 0 28px; font-size: 15px; }
.idea-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; list-style: none; margin: 0; padding: 0; }
.idea .tile-icon, .tool-head .tile-icon { width: 52px; height: 52px; flex: none; margin-bottom: 12px; }
.idea p { color: var(--text); }

/* Tools */
.tool-head { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 20px; }
.tool-head p { max-width: 60em; }
.tool-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; align-items: start; }
.tool-proj { padding-left: 36px; border-left: 1px dashed var(--hairline); }
.tool-inputs { display: flex; flex-wrap: wrap; gap: 12px; }
.tool-field { display: flex; flex-direction: column; gap: 4px; flex: 1 1 140px; min-width: 0; }
.tool-field-narrow { flex: 0 1 220px; }
.tool-field label { font-size: 15px; font-weight: 700; }
.tool-field input, .tool-field select { min-height: 46px; font: inherit; font-size: 16px; padding: 8px 12px; border: 1.5px solid var(--input-border); border-radius: 10px; background: var(--input-bg); color: var(--text); width: 100%; }
.tool-field input[aria-invalid="true"] { border-color: var(--error); border-width: 3px; }
.tool-result { margin-top: 16px; }
.tool-result p { margin: 8px 0; }
.tool-result .result-main { font-weight: 700; font-size: 18px; }
.tool-result .past { font-weight: 700; }
.tool-result .proj-label { font-weight: 700; padding: 8px 12px; border-left: 4px solid var(--accent); background: var(--row-checked); }
.tool-result .tool-err { color: var(--error); font-weight: 700; }
.result-list { margin: 6px 0 8px; padding-left: 22px; font-size: 16px; line-height: 1.5; }
.result-list li { margin: 4px 0; }
.result-list.range li { font-weight: 400; }   /* low, middle and high: equal weight */
.tier-tag, .plan-tag { display: inline-block; font-size: 13px; font-weight: 700; padding: 3px 10px; border-radius: 999px; background: var(--pill-bg); color: var(--pill-text); vertical-align: middle; }
.proj-plus { margin: 0 0 8px; }

/* Basic and Plus */
.tiers-intro { color: var(--text-2); margin-bottom: 28px; }
.tiers-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.tier h3 { font-size: 24px; }
.tier-line { color: var(--text-2); margin-bottom: 4px; }
.tier-price { font-weight: 700; color: var(--accent-ink); }
.tier-lead { font-weight: 700; margin-bottom: 4px; }
.tier-lead .plan-tag { margin-right: 6px; }
.plus-after { font-weight: 600; margin: 8px 0; }
.tier-list { margin: 0 0 14px; padding-left: 22px; }
.tier-list li { margin: 6px 0; }
.plus-soon { margin: 0 0 12px; }
.no-picks { margin: 0; padding: 12px 14px; border-radius: 10px; background: var(--row-checked); }

/* Poll and sign-up: two normal cards side by side */
.say-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.poll-top { display: flex; gap: 18px; align-items: center; margin-bottom: 14px; }
.poll-top p { margin: 0; color: var(--text-2); }
.poll-badge { position: relative; margin: 0; flex: none; text-align: center; }
.poll-badge img { display: block; width: 88px; height: 88px; border-radius: 50%; border: 2px solid var(--accent); }
.poll-badge .ai-label { position: static; display: inline-block; margin-top: 6px; padding: 3px 8px; font-size: 11.5px; white-space: nowrap; }
.poll { border: 0; margin: 0; padding: 0; }
.poll .q { font-weight: 700; font-size: 19px; margin-bottom: 10px; padding: 0; }
.opt { display: flex; align-items: center; gap: 12px; min-height: 50px; padding: 0 16px; margin: 0 0 10px; border: 1.5px solid var(--card-border); border-radius: 10px; background: #fff; cursor: pointer; font-weight: 600; }
.opt:has(input:checked) { background: var(--row-checked); border-color: var(--accent); }
.opt input { width: 20px; height: 20px; margin: 0; accent-color: var(--navy); }
.btn { display: inline-flex; justify-content: center; align-items: center; min-height: 48px; padding: 0 24px; border-radius: 10px; font: inherit; font-weight: 700; cursor: pointer; border: 2px solid var(--navy); }
.btn-primary, .btn-small { background: var(--navy); color: #fff; }
.btn-secondary { background: #fff; color: var(--navy); }
.actions { margin-top: 6px; }
.error { color: var(--error); font-weight: 700; font-size: 15px; margin: 6px 0 0; }
.error::before { content: "! "; }
.field-label { display: block; font-weight: 700; margin: 6px 0 4px; }
.row { display: flex; gap: 10px; }
.row input { flex: 1; min-width: 0; min-height: 48px; font: inherit; padding: 8px 12px; border: 1.5px solid var(--input-border); border-radius: 10px; }
.row input[aria-invalid="true"], .consent input[aria-invalid="true"] { outline: 3px solid var(--error); }
.consent { display: flex; gap: 10px; align-items: flex-start; margin-top: 14px; font-size: 15px; }
.consent input { width: 20px; height: 20px; margin-top: 3px; flex: none; }
.privacy-note { margin-top: 16px; padding-top: 12px; border-top: 1px solid var(--hairline); font-size: 14px; color: var(--text-2); }
.privacy-note p { margin: 0 0 6px; }

/* Trust footer: full width, four columns */
.site-footer { background: var(--navy); color: #fff; border-top: 3px solid var(--accent); padding: 48px 0 40px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.1fr 1.5fr 1.2fr .9fr; gap: 32px; }
.footer-name { font-family: var(--head-font); font-size: 24px; margin: 0 0 8px; }
.footer-strong { margin: 0; }
.footer-h { font: 700 13px/1.3 var(--body-font); letter-spacing: .08em; text-transform: uppercase; color: var(--footer-link); margin: 0 0 12px; }
.footer-list { list-style: none; margin: 0; padding: 0; }
.footer-list li { margin: 0 0 8px; }
.site-footer p { margin: 0 0 8px; }
.site-footer a { color: #fff; text-decoration: underline; text-decoration-color: var(--footer-link); text-underline-offset: 3px; }
.site-footer :focus-visible { outline-color: var(--footer-link); }
.page-h { font-family: var(--head-font); font-weight: 400; font-size: clamp(36px, 4vw, 48px); margin-bottom: 12px; }

/* Where do I start? */
.section-lead { font-size: 18px; color: var(--text-2); max-width: 52em; margin-bottom: 14px; }
.edu-note { display: inline-block; margin: 0 0 28px; padding: 8px 14px; border-left: 4px solid var(--accent); background: var(--row-checked); font-weight: 700; }
.step-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; list-style: none; margin: 0; padding: 0; }
.step { position: relative; display: flex; flex-direction: column; }
.step .src { margin-top: auto; padding-top: 10px; border-top: 1px solid var(--hairline); }
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; margin-bottom: 14px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; font-size: 18px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Quiz */
.quiz-card { margin-top: 8px; }
.quiz-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 32px; }
.quiz-q { border: 0; margin: 0; padding: 0; min-width: 0; }
.quiz-q legend { font-weight: 700; font-size: 18px; margin-bottom: 10px; padding: 0; }
.quiz-card .actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 12px; }
.quiz-out { outline: none; margin-top: 24px; }
.quiz-lead { font-weight: 700; font-size: 18px; }
.quiz-note { margin-top: 20px; }
.noscript-note { margin: 0 0 16px; padding: 12px 16px; border: 1px solid #d8cdb9; border-radius: 10px; background: #faf8f3; font-weight: 600; }
.quiz-results { display: grid; grid-template-columns: minmax(0, 760px); gap: 20px; }
.quiz-out.show-all .quiz-results { grid-template-columns: repeat(3, 1fr); }
.quiz-result h3 { font-family: var(--head-font); font-weight: 400; font-size: 28px; }
.pc { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 6px 0 10px; }
.show-all .pc { grid-template-columns: 1fr; }
.pc h4 { margin: 0 0 4px; font-size: 15px; text-transform: uppercase; letter-spacing: .06em; color: var(--accent-ink); }
.pc ul { margin: 0; padding-left: 20px; }
.pc li { margin: 4px 0; }
.quiz-fact { margin-top: 10px; }
.quiz-result .past { font-weight: 700; }
.quiz-disclaimer { margin: 12px 0 0; padding: 10px 12px; border-radius: 10px; background: var(--row-checked); font-weight: 700; }

/* Sub-pages */
.page-sec { margin: 0 0 18px; }
.page-sec h2 { font-size: 22px; }
.page-sec p:last-child { margin-bottom: 0; }
.source-list { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 16px; }
.source h2 { font-size: 19px; }
.source-url { word-break: break-all; font-size: 15px; }
.back { margin-top: 24px; }
.site-nav a[aria-current="page"] { border-bottom-color: var(--accent); }

/* Tablets */
@media (max-width: 1023px) {
  .idea-grid { grid-template-columns: 1fr 1fr; }
  .idea-grid > :last-child { grid-column: 1 / -1; }
  .tool-cols, .say-grid { grid-template-columns: 1fr; }
  .step-grid { grid-template-columns: 1fr 1fr; }
  .quiz-out.show-all .quiz-results { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .tool-proj { padding-left: 0; border-left: 0; padding-top: 24px; border-top: 1px dashed var(--hairline); }
}
/* Phones: one column, same website (no app chrome) */
@media (max-width: 759px) {
  body { font-size: 16px; }
  .wrap { padding: 0 18px; }
  .header-inner { flex-direction: column; align-items: flex-start; gap: 4px; padding: 12px 18px 6px; }
  .brand-name { font-size: 22px; }
  .site-nav ul { gap: 0 18px; }
  .site-nav a { font-size: 15px; padding: 8px 0; }
  .hero { padding: 28px 0 32px; }
  .hero-grid, .intro, .idea-grid, .tiers-grid { grid-template-columns: 1fr; gap: 22px; }
  .idea-grid > :last-child { grid-column: auto; }
  .hero-art img { aspect-ratio: 4 / 3; }
  .hero-art .ai-label { top: 12px; right: 12px; bottom: auto; }   /* the front robot's sign fills the bottom of the phone crop */
  .intro { margin-top: 26px; font-size: 17px; }
  .band { padding: 40px 0; }
  .card { padding: 20px 18px; }
  .tool-head { flex-direction: column; gap: 6px; }
  .row { flex-direction: column; }
  .step-grid, .quiz-grid, .pc, .footer-grid { grid-template-columns: 1fr; }
}
@media (forced-colors: active) { .card, .opt { border: 1px solid CanvasText; } }
.poll-only { max-width: 820px; }
.poll-only .poll { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 12px; }
.poll-only .poll legend { grid-column: 1 / -1; }
.poll-only .poll .poll-pick { grid-column: 1 / -1; margin: 0; }
.poll-note { margin: 12px 0 0; color: var(--text-2); font-size: 14px; }
@media (max-width: 759px) { .poll-only .poll { grid-template-columns: 1fr; } }
.poll-pick { margin: 4px 0 8px; font-weight: 700; }