/* =========================================================
   ARMI L. LAVY — PERSONAL FINANCE
   Complete stylesheet
   Premium editorial design · Responsive layout
   ========================================================= */

/* -------------------------
   1. DESIGN TOKENS & RESET
------------------------- */

:root {
  --green: #173b30;
  --green-deep: #102a22;
  --green-soft: #e9eee8;
  --cream: #f8f6f0;
  --paper: #fffefa;
  --gold: #b79a61;
  --ink: #222722;
  --muted: #747970;
  --line: #dedfd6;

  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
  --page-pad: clamp(22px, 6vw, 96px);

  --content-max: 1440px;
  --section-space: clamp(72px, 8vw, 112px);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 0;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  -webkit-font-smoothing: antialiased;
}

body,
button,
input,
select,
textarea {
  font-family: var(--sans);
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
}

button,
a,
input,
select {
  -webkit-tap-highlight-color: transparent;
}

button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
}

img {
  display: block;
  max-width: 100%;
}

button {
  color: inherit;
}

section[id] {
  scroll-margin-top: 88px;
}

/* -------------------------
   2. SITE HEADER & NAVIGATION
------------------------- */

.site-header {
  height: 80px;
  padding: 0 var(--page-pad);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  background: var(--paper);
  position: relative;
  z-index: 20;
  border-bottom: 1px solid var(--line);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 39px;
  height: 39px;
  border: 1px solid var(--gold);
  color: var(--green);
  font-family: var(--serif);
  font-size: 16px;
}

.brand-name {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.17em;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: clamp(18px, 3vw, 38px);
}

.main-nav > a {
  font-size: 12px;
  color: #41473f;
  transition: color 0.2s ease;
}

.main-nav > a:hover {
  color: var(--gold);
}

.main-nav .nav-cta {
  background: var(--green);
  color: white;
  padding: 14px 19px;
}

.main-nav .nav-cta:hover {
  background: var(--green-deep);
  color: white;
}

.menu-toggle {
  display: none;
  border: 0;
  padding: 6px;
  background: transparent;
  color: var(--green);
  cursor: pointer;
}

/* -------------------------
   3. HERO SLIDER
------------------------- */

.hero {
  position: relative;
  height: calc(100svh - 80px);
  min-height: 590px;
  max-height: 1100px;
  overflow: hidden;
  isolation: isolate;
  background: var(--green-deep);
  color: white;
}

.hero-slides,
.hero-slide,
.hero-overlay {
  position: absolute;
  inset: 0;
}

.hero-slide {
  background-size: cover;
  background-position: center;
  opacity: 0;
  transform: scale(1.035);
  transition:
    opacity 1.35s ease,
    transform 7s ease;
  will-change: opacity, transform;
}

.hero-slide.is-active {
  opacity: 1;
  transform: scale(1);
}

.hero-overlay {
  z-index: 1;
  background:
    linear-gradient(
      90deg,
      rgba(11, 30, 23, 0.87) 0%,
      rgba(11, 30, 23, 0.65) 43%,
      rgba(11, 30, 23, 0.12) 100%
    ),
    linear-gradient(
      0deg,
      rgba(0, 0, 0, 0.3),
      transparent 38%
    );
}

.hero-content {
  position: relative;
  z-index: 2;
  width: 100%;
  height: 100%;
  padding:
    clamp(50px, 8vh, 100px)
    var(--page-pad)
    28px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.eyebrow,
.section-kicker {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.2em;
  line-height: 1.7;
}

.light-eyebrow {
  color: #d7c39a;
}

.hero h1 {
  max-width: 800px;
  margin: 28px 0 20px;
  font: 400 clamp(44px, 6.4vw, 88px) / 1.08 var(--serif);
  letter-spacing: -0.045em;
}

.hero-content > p {
  max-width: 475px;
  color: rgba(255, 255, 255, 0.83);
  font-size: 14px;
  line-height: 1.9;
}

.hero-actions {
  margin-top: 26px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 27px;
}

.button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 49px;
  padding: 14px 23px;
  border: 1px solid transparent;
  cursor: pointer;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.035em;
  text-align: center;
  transition:
    background 0.2s ease,
    color 0.2s ease,
    border-color 0.2s ease;
}

.button-light {
  background: var(--cream);
  color: var(--green);
}

.button-light:hover {
  background: #e7ddc9;
}

.button-dark {
  background: var(--green);
  color: white;
}

.button-dark:hover {
  background: var(--green-deep);
}

.text-link {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  padding-bottom: 5px;
  border-bottom: 1px solid currentColor;
  transition: opacity 0.2s ease;
}

.text-link:hover {
  opacity: 0.7;
}

.light-link {
  color: white;
}

.dark-link {
  color: var(--green);
}

.hero-bottom {
  width: 100%;
  margin-top: auto;
  padding-top: 28px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  border-top: 1px solid rgba(255, 255, 255, 0.32);
}

.hero-caption {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.85);
}

.slide-indicators {
  display: flex;
  align-items: center;
  gap: 9px;
}

.slide-dot {
  width: 24px;
  height: 3px;
  padding: 0;
  background: rgba(255, 255, 255, 0.4);
  border: 0;
  cursor: pointer;
  transition:
    width 0.3s ease,
    background 0.3s ease;
}

.slide-dot.is-active {
  width: 42px;
  background: #d7c39a;
}

.slide-count {
  justify-self: end;
  color: white;
  font-size: 10px;
  letter-spacing: 0.12em;
}

/* -------------------------
   4. SHARED SECTION STYLES
------------------------- */

.section-pad {
  padding: var(--section-space) var(--page-pad);
}

.section-kicker {
  color: #8c7447;
}

.intro {
  background: var(--cream);
}

.intro-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 10%;
  margin-top: 30px;
  align-items: start;
}

.intro h2,
.section-heading h2,
.calculator-intro h2,
.closing-cta h2 {
  margin: 0;
  font: 400 clamp(34px, 4.2vw, 55px) / 1.2 var(--serif);
  letter-spacing: -0.035em;
}

.intro h2 em,
.closing-cta h2 em {
  color: #8d774e;
  font-weight: 400;
}

.intro-copy p,
.section-description {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.95;
}

.intro-copy p:first-child {
  margin-top: 0;
}

.intro-copy .text-link {
  margin-top: 16px;
}

/* -------------------------
   5. PRINCIPLES
------------------------- */

.principles {
  padding: 55px var(--page-pad);
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  background: white;
  border-bottom: 1px solid var(--line);
}

.principle {
  padding: 10px clamp(12px, 3vw, 38px);
}

.principle + .principle {
  border-left: 1px solid var(--line);
}

.line-icon {
  width: 40px;
  height: 40px;
  color: var(--gold);
}

.line-icon svg {
  width: 100%;
  height: 100%;
}

.principle h3 {
  margin: 20px 0 9px;
  font: 500 19px var(--serif);
}

.principle p {
  max-width: 280px;
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.9;
}

/* -------------------------
   6. RESOURCES & PRODUCTS
------------------------- */

.resources {
  background: var(--paper);
}

.section-heading {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 35px;
  margin-bottom: 38px;
}

.section-heading h2 {
  margin-top: 14px;
  font-size: clamp(32px, 4vw, 48px);
}

.section-description {
  margin-bottom: 0;
}

.collection-label {
  padding: 10px 12px;
  border: 1px solid var(--line);
  color: var(--muted);
  font-size: 9px;
  letter-spacing: 0.12em;
  white-space: nowrap;
}

.featured-product {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  border: 1px solid var(--line);
  background: white;
}

.product-image-wrap {
  min-height: 410px;
  position: relative;
  overflow: hidden;
  background: #e6e4d9;
}

.product-image-wrap img {
  width: 100%;
  height: 100%;
  min-height: 410px;
  position: absolute;
  inset: 0;
  object-fit: cover;
  transition: transform 0.7s ease;
}

.product-image-wrap:hover img {
  transform: scale(1.025);
}

.product-image-wrap .product-cover {
  object-fit: contain;
  padding: 35px;
  background: #e8e5da;
}

.product-info {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  padding: clamp(28px, 5vw, 65px);
}

.product-eyebrow {
  color: #8d774e;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.17em;
}

.product-info h3 {
  margin: 18px 0 14px;
  font: 400 clamp(29px, 3.4vw, 43px) / 1.15 var(--serif);
}

.product-info > p {
  color: var(--muted);
  font-size: 12px;
  line-height: 1.9;
}

.product-price {
  margin: 24px 0;
  font: 500 25px var(--serif);
}

.product-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin: 0 0 23px;
}

.product-meta span {
  padding: 8px 9px;
  background: var(--cream);
  color: #65695f;
  font-size: 9px;
}

.product-grid {
  margin-top: 25px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.product-card {
  border: 1px solid var(--line);
  background: white;
  min-width: 0;
}

.product-card .product-image-wrap {
  min-height: 235px;
  aspect-ratio: 4 / 3;
}

.product-card .product-image-wrap img {
  min-height: 0;
}

.product-card .product-info {
  padding: 25px;
}

.product-card .product-info h3 {
  font-size: 25px;
}

.product-card .product-price {
  font-size: 21px;
  margin: 12px 0 20px;
}

/* -------------------------
   7. DIVIDEND CALCULATOR
------------------------- */

.calculator-section {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: clamp(40px, 8vw, 110px);
  align-items: start;
  background: var(--green);
  color: white;
}

.calculator-intro {
  position: sticky;
  top: 30px;
}

.calculator-intro h2 {
  margin-top: 20px;
  font-size: clamp(35px, 4.4vw, 54px);
}

.calculator-intro > p {
  color: rgba(255, 255, 255, 0.73);
  font-size: 13px;
  line-height: 2;
}

.calculator-note {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.23);
  color: rgba(255, 255, 255, 0.7);
  font-size: 11px;
  line-height: 1.8;
}

.calculator-note svg {
  flex-shrink: 0;
  color: #d6c39a;
}

.calculator-card {
  background: var(--paper);
  color: var(--ink);
  padding: clamp(23px, 4vw, 43px);
}

.calculator-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 20px;
  margin-bottom: 25px;
  border-bottom: 1px solid var(--line);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.14em;
}

.status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #64896a;
}

.field {
  margin-bottom: 21px;
}

.field > label,
.label-row > label {
  display: block;
  margin-bottom: 10px;
  color: #555b52;
  font-size: 11px;
  font-weight: 600;
}

.field input:not([type="range"]):not([type="checkbox"]),
.field select {
  width: 100%;
  min-height: 45px;
  padding: 11px 12px;
  background: white;
  border: 1px solid #d9dcd3;
  border-radius: 0;
  color: var(--ink);
  font-size: 12px;
}

.input-with-prefix {
  display: flex;
  align-items: center;
  border: 1px solid #d9dcd3;
  background: white;
}

.input-with-prefix > span {
  padding: 0 0 0 13px;
  color: var(--muted);
  font-size: 12px;
}

.input-with-prefix input {
  border: 0 !important;
  outline-offset: -2px;
}

.label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.range-value {
  color: var(--green);
  font-weight: 700;
  font-size: 12px;
}

.field input[type="range"] {
  width: 100%;
  accent-color: var(--green);
  cursor: pointer;
}

.range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 5px;
  color: var(--muted);
  font-size: 10px;
}

.checkbox-field {
  display: flex;
  align-items: center;
  gap: 10px;
}

.checkbox-field input {
  accent-color: var(--green);
}

.checkbox-field label {
  margin: 0;
  font-size: 11px;
  color: #555b52;
}

.calculate-button {
  width: 100%;
  margin-top: 3px;
}

.results {
  margin-top: 26px;
  padding: 25px;
  background: var(--cream);
}

.results-label {
  color: var(--muted);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.13em;
}

.result-main {
  margin: 12px 0 20px;
  font: 500 clamp(32px, 4vw, 43px) var(--serif);
  color: var(--green);
  overflow-wrap: anywhere;
}

.result-divider {
  border-top: 1px solid #dedfd6;
  margin-bottom: 17px;
}

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 15px;
  padding: 10px 0;
  font-size: 11px;
}

.result-row span {
  color: var(--muted);
}

.result-row strong {
  text-align: right;
  overflow-wrap: anywhere;
}

.result-disclaimer {
  padding-top: 14px;
  margin-bottom: 0;
  border-top: 1px solid #dedfd6;
  color: var(--muted);
  font-size: 10px;
  line-height: 1.7;
}

/* =========================================================
   8. FINANCIAL JOURNAL — REFINED EDITORIAL LAYOUT
   Uses the existing app.js journal class names.
========================================================= */

.insights {
  background: var(--cream);
}

/* Give the section more breathing room on large screens. */
.insights.section-pad {
  padding-top: clamp(78px, 8vw, 112px);
  padding-bottom: clamp(78px, 8vw, 112px);
}

/* Keep the content broad but avoid overly long reading lines. */
.insights > .section-heading,
.insights > .news-status,
.insights > .news-grid,
.insights > .news-attribution {
  width: 100%;
  max-width: var(--content-max);
  margin-left: auto;
  margin-right: auto;
}

.insights > .section-heading {
  margin-bottom: 30px;
}

.insights .section-heading h2 {
  max-width: 760px;
  font-size: clamp(36px, 4.5vw, 58px);
  line-height: 1.12;
}

.news-status {
  color: var(--muted);
  font-size: 11px;
  line-height: 1.8;
  margin-bottom: 26px;
}

/* Two-column editorial grid. */
.news-grid.journal-layout {
  display: grid;
  grid-template-columns:
    minmax(0, 1.08fr)
    minmax(0, 0.92fr);
  align-items: start;
  gap: clamp(28px, 4vw, 58px);
}

.journal-feature-column,
.journal-latest-column {
  min-width: 0;
}

/* Column labels. */
.journal-section-heading {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 0 0 15px;
  margin-bottom: 22px;
  border-bottom: 1px solid var(--line);
  color: #8c7447;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.15em;
  line-height: 1.6;
}

.journal-section-heading span:last-child {
  color: var(--muted);
  font-weight: 400;
  white-space: nowrap;
  letter-spacing: 0.05em;
}

/* Base article card. */
.journal-card {
  min-width: 0;
  padding: 0 0 24px;
  margin: 0 0 24px;
  border-bottom: 1px solid var(--line);
  background: transparent;
}

.journal-featured {
  padding: 0;
  margin: 0;
  border: 1px solid var(--line);
  background: var(--paper);
  transition: border-color 0.25s ease;
}

.journal-featured:hover {
  border-color: #c7b58d;
}

/* Image links and responsive image frames. */
.journal-image-link {
  display: block;
  color: inherit;
  text-decoration: none;
  overflow: hidden;
}

.journal-art {
  position: relative;
  width: 100%;
  overflow: hidden;
  aspect-ratio: 16 / 10;
  background: #e6e5db;
}

.journal-featured .journal-art {
  aspect-ratio: 16 / 10;
}

.journal-art img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.65s ease;
}

.journal-image-link:hover img {
  transform: scale(1.035);
}

/* Branded fallback for articles without an available image. */
.journal-art-empty {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: space-between;
  padding: clamp(22px, 3vw, 40px);
  color: #e1d0a6;
  background:
    radial-gradient(
      ellipse at 85% 15%,
      #345b49 0,
      transparent 44%
    ),
    linear-gradient(145deg, #183d30, #0e271f);
}

.journal-art-empty span,
.journal-art-empty small {
  font-size: 9px;
  letter-spacing: 0.18em;
}

.journal-art-empty strong {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(26px, 3.3vw, 44px);
  line-height: 1.05;
  letter-spacing: -0.02em;
}

.journal-image-missing {
  background: #183d30;
}

/* Article text. */
.journal-card-body {
  min-width: 0;
  padding-top: 17px;
}

.journal-featured .journal-card-body {
  padding: clamp(22px, 3vw, 38px);
}

.journal-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  color: var(--muted);
  font-size: 10px;
  line-height: 1.7;
}

.journal-dot {
  width: 3px;
  height: 3px;
  flex: 0 0 3px;
  border-radius: 50%;
  background: var(--gold);
}

.journal-category {
  margin: 14px 0 8px;
  color: #8d774e;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

.journal-card h3 {
  margin: 9px 0 12px;
  font-family: var(--serif);
  font-size: clamp(20px, 2vw, 26px);
  font-weight: 400;
  line-height: 1.35;
  letter-spacing: -0.02em;
  overflow-wrap: anywhere;
}

.journal-featured h3 {
  max-width: 760px;
  font-size: clamp(29px, 3.1vw, 41px);
  line-height: 1.2;
}

.journal-card h3 a {
  color: var(--ink);
  text-decoration: none;
  transition: color 0.2s ease;
}

.journal-card h3 a:hover {
  color: #8d774e;
}

.journal-excerpt {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.85;
  overflow-wrap: anywhere;
}

.journal-no-excerpt {
  font-style: italic;
}

.journal-read-link {
  display: inline-block;
  color: var(--green-deep);
  font-size: 10px;
  font-weight: 700;
  line-height: 1.8;
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 3px;
  transition:
    color 0.2s ease,
    border-color 0.2s ease;
}

.journal-read-link:hover {
  color: #8d774e;
  border-color: var(--green);
}

/* Latest stories: image left, text right. */
.journal-latest-column .journal-card {
  display: grid;
  grid-template-columns:
    minmax(125px, 0.82fr)
    minmax(0, 1.18fr);
  align-items: start;
  gap: clamp(15px, 2vw, 22px);
  padding: 0 0 23px;
  margin: 0 0 23px;
}

.journal-latest-column .journal-card:last-child {
  margin-bottom: 0;
}

.journal-latest-column .journal-art {
  aspect-ratio: 4 / 3;
}

.journal-latest-column .journal-card-body {
  padding-top: 0;
}

.journal-latest-column .journal-meta {
  font-size: 9px;
  gap: 6px;
}

.journal-latest-column .journal-category {
  margin-top: 9px;
  margin-bottom: 6px;
  font-size: 8px;
}

.journal-latest-column .journal-card h3 {
  margin: 6px 0 9px;
  font-size: clamp(17px, 1.45vw, 21px);
  line-height: 1.35;
}

.journal-latest-column .journal-excerpt {
  margin-bottom: 12px;
  font-size: 11px;
  line-height: 1.7;
}

.journal-latest-column .journal-read-link {
  font-size: 9px;
}

/* Attribution and source note. */
.news-attribution {
  max-width: var(--content-max);
  margin-top: 30px;
  color: var(--muted);
  font-size: 10px;
  line-height: 1.8;
}

/* Optional empty/error state. */
.news-fallback {
  grid-column: 1 / -1;
  padding: clamp(25px, 5vw, 50px);
  background: var(--paper);
  border: 1px solid var(--line);
}

.news-fallback h3 {
  margin: 15px 0;
  font: 400 32px / 1.25 var(--serif);
}

.news-fallback > p:not(.section-kicker) {
  color: var(--muted);
  font-size: 12px;
  line-height: 1.8;
}

.fallback-links {
  margin-top: 25px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 15px;
}

.fallback-links > a {
  padding: 20px;
  border: 1px solid var(--line);
  transition: border-color 0.2s ease;
}

.fallback-links > a:hover {
  border-color: var(--gold);
}

.fallback-links span {
  color: #8d774e;
  font-size: 9px;
  letter-spacing: 0.1em;
}

.fallback-links strong {
  display: block;
  margin-top: 12px;
  font: 500 19px / 1.4 var(--serif);
}

.fallback-links p {
  color: var(--muted);
  font-size: 11px;
  line-height: 1.8;
}

/* -------------------------
   9. CLOSING CTA
------------------------- */

.closing-cta {
  padding: 100px var(--page-pad);
  text-align: center;
  background: var(--green-deep);
  color: white;
}

.closing-cta h2 {
  margin-top: 20px;
  font-size: clamp(39px, 5vw, 63px);
}

.closing-cta h2 em {
  color: #d4c19a;
}

.closing-cta > p {
  max-width: 470px;
  margin: 20px auto 28px;
  color: rgba(255, 255, 255, 0.73);
  font-size: 12px;
  line-height: 1.9;
}

/* -------------------------
   10. FOOTER
------------------------- */

.site-footer {
  padding: 40px var(--page-pad) 20px;
  background: var(--paper);
}

.footer-disclaimer {
  max-width: 600px;
  margin: 25px 0 30px;
  color: var(--muted);
  font-size: 10px;
  line-height: 1.8;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 10px;
}

.footer-bottom > div {
  display: flex;
  gap: 22px;
}

.footer-bottom a:hover {
  color: var(--green);
}

/* =========================================================
   11. RESPONSIVE — TABLET
========================================================= */

@media (max-width: 900px) {
  .site-header {
    height: 72px;
  }

  .menu-toggle {
    display: block;
  }

  .main-nav {
    display: none;
    position: absolute;
    top: 71px;
    left: 0;
    right: 0;
    padding: 24px var(--page-pad);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
  }

  .main-nav.is-open {
    display: flex;
  }

  .main-nav > a {
    padding: 14px 0;
  }

  .main-nav .nav-cta {
    text-align: center;
    margin-top: 10px;
  }

  .hero {
    height: calc(100svh - 72px);
    min-height: 570px;
  }

  .intro-grid {
    grid-template-columns: 1fr;
    gap: 25px;
  }

  .featured-product {
    grid-template-columns: 1fr;
  }

  .product-image-wrap,
  .product-image-wrap img {
    min-height: 330px;
  }

  .calculator-section {
    grid-template-columns: 1fr;
    gap: 35px;
  }

  .calculator-intro {
    position: static;
  }

  .news-grid.journal-layout {
    grid-template-columns: minmax(0, 1fr);
    gap: 42px;
  }

  .journal-featured .journal-art {
    aspect-ratio: 16 / 8.5;
  }

  .journal-featured h3 {
    font-size: clamp(30px, 4vw, 42px);
  }

  .journal-latest-column .journal-card {
    grid-template-columns: minmax(150px, 0.7fr) minmax(0, 1.3fr);
  }

  .journal-latest-column .journal-card h3 {
    font-size: 21px;
  }
}

/* =========================================================
   12. RESPONSIVE — MOBILE
========================================================= */

@media (max-width: 600px) {
  :root {
    --page-pad: 22px;
  }

  .section-pad {
    padding-top: 72px;
    padding-bottom: 72px;
  }

  .hero {
    min-height: 620px;
  }

  .hero-content {
    padding-top: 75px;
  }

  .hero-overlay {
    background:
      linear-gradient(
        90deg,
        rgba(11, 30, 23, 0.83),
        rgba(11, 30, 23, 0.45)
      ),
      linear-gradient(
        0deg,
        rgba(0, 0, 0, 0.4),
        transparent
      );
  }

  .hero h1 {
    font-size: clamp(42px, 11vw, 61px);
  }

  .hero-content > p {
    font-size: 12px;
  }

  .hero-actions {
    align-items: flex-start;
    flex-direction: column;
    gap: 22px;
  }

  .hero-bottom {
    grid-template-columns: 1fr auto;
    row-gap: 16px;
  }

  .hero-caption {
    grid-column: 1 / -1;
  }

  .slide-indicators {
    justify-self: start;
  }

  .slide-count {
    grid-column: 2;
    grid-row: 2;
  }

  .principles {
    grid-template-columns: 1fr;
    padding-top: 30px;
    padding-bottom: 30px;
  }

  .principle {
    padding: 24px 0;
  }

  .principle + .principle {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .section-heading {
    align-items: flex-start;
    flex-direction: column;
  }

  .collection-label {
    white-space: normal;
  }

  .product-grid {
    grid-template-columns: 1fr;
  }

  .product-image-wrap,
  .product-image-wrap img {
    min-height: 290px;
  }

  .product-info {
    padding: 27px;
  }

  .calculator-card {
    padding: 22px 17px;
  }

  .results {
    padding: 20px 15px;
  }

  .result-row {
    font-size: 10px;
  }

  /* Financial Journal mobile refinements. */
  .insights.section-pad {
    padding-top: 68px;
    padding-bottom: 68px;
  }

  .insights .section-heading h2 {
    font-size: clamp(35px, 10vw, 45px);
  }

  .news-grid.journal-layout {
    gap: 34px;
  }

  .journal-section-heading {
    margin-bottom: 18px;
    font-size: 9px;
  }

  .journal-featured .journal-art {
    aspect-ratio: 4 / 3;
  }

  .journal-featured .journal-card-body {
    padding: 21px;
  }

  .journal-featured h3 {
    font-size: clamp(27px, 7.5vw, 34px);
  }

  .journal-featured .journal-excerpt {
    font-size: 11px;
  }

  .journal-latest-column .journal-card {
    grid-template-columns: minmax(100px, 0.8fr) minmax(0, 1.2fr);
    gap: 14px;
    padding-bottom: 19px;
    margin-bottom: 19px;
  }

  .journal-latest-column .journal-art {
    aspect-ratio: 4 / 3;
  }

  .journal-latest-column .journal-card h3 {
    font-size: 17px;
    line-height: 1.35;
  }

  .journal-latest-column .journal-meta {
    font-size: 8px;
  }

  .journal-latest-column .journal-excerpt {
    font-size: 10px;
    line-height: 1.65;
  }

  .journal-read-link {
    font-size: 9px;
  }

  .journal-excerpt {
    font-size: 11px;
  }

  .fallback-links {
    grid-template-columns: 1fr;
  }

  .closing-cta {
    padding-top: 75px;
    padding-bottom: 75px;
  }

  .footer-bottom {
    flex-direction: column;
  }

  .footer-bottom > div {
    flex-wrap: wrap;
  }
}

/* -------------------------
   13. LARGE DESKTOP
------------------------- */

@media (min-width: 1600px) {
  :root {
    --page-pad: max(
      96px,
      calc((100vw - 1440px) / 2)
    );
  }
}

/* -------------------------
   14. REDUCED MOTION
------------------------- */

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* ========================================
   MOBILE NAV — SMOOTH DROPDOWN ANIMATION
======================================== */

@media (max-width: 900px) {
  .menu-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    position: relative;
    z-index: 30;
    cursor: pointer;
  }

  .menu-toggle svg {
    width: 25px;
    height: 25px;
    transition: transform 0.3s ease;
  }

  .main-nav {
    display: flex;
    visibility: hidden;
    opacity: 0;
    pointer-events: none;

    position: absolute;
    top: 100%;
    left: 0;
    right: 0;

    padding: 12px var(--page-pad) 24px;
    flex-direction: column;
    align-items: stretch;
    gap: 0;

    background: var(--paper);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 14px 25px rgba(16, 42, 34, 0.08);

    transform: translateY(-12px);
    clip-path: inset(0 0 100% 0);

    transition:
      opacity 0.28s ease,
      transform 0.35s ease,
      clip-path 0.35s ease,
      visibility 0.35s;
  }

  .main-nav.is-open {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
    clip-path: inset(0 0 0 0);
  }

  .main-nav > a {
    padding: 16px 0;
    border-bottom: 1px solid var(--line);

    opacity: 0;
    transform: translateY(-6px);

    transition:
      opacity 0.25s ease,
      transform 0.3s ease,
      color 0.2s ease;
  }

  .main-nav.is-open > a {
    opacity: 1;
    transform: translateY(0);
  }

  .main-nav.is-open > a:nth-child(1) {
    transition-delay: 0.04s;
  }

  .main-nav.is-open > a:nth-child(2) {
    transition-delay: 0.08s;
  }

  .main-nav.is-open > a:nth-child(3) {
    transition-delay: 0.12s;
  }

  .main-nav.is-open > a:nth-child(4) {
    transition-delay: 0.16s;
  }

  .main-nav .nav-cta {
    margin-top: 16px;
    padding: 15px 19px;
    border-bottom: 0;
    text-align: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  .main-nav,
  .main-nav > a,
  .menu-toggle svg {
    transition: none !important;
  }
}

/* Anchor navigation spacing */
#resources {
  scroll-margin-top: 0;
}

#about,
#calculator,
#insights {
  scroll-margin-top: 0;
}