/* =====================================================================
   Finance IQ Challenge — design system
   Palette: navy #0A2540 · teal #00B386 · gold #F5B942 · bg #F8FAFC
   Fonts: Sora (display) · Inter (body) · Space Mono (data)
   Mobile-first. Dark mode via [data-theme="dark"]. Phone-frame on desktop.
   ===================================================================== */

:root{
  --navy:#16352B;          /* deep forest green (primary / ink) */
  --navy-2:#1f4a3b;
  --teal:#9B2D38;          /* burgundy (secondary / CTA) */
  --teal-d:#832530;        /* burgundy hover/text */
  --gold:#C9A227;          /* brass gold (accent) */
  --bg:#F6F5F1;            /* warm parchment */
  --surface:#ffffff;
  --surface-2:#efece4;
  --line:#e4e0d6;
  --ink:#16352B;
  --muted:#5f6b62;
  --shadow:0 6px 24px rgba(22,53,43,.10);
  --shadow-lg:0 18px 50px rgba(22,53,43,.18);
  --radius:14px;
  --radius-sm:9px;
  --maxw:480px;            /* mobile column width */
  --font-d:"Fraunces",Georgia,serif;
  --font-b:"Source Sans 3",system-ui,sans-serif;
  --font-m:"IBM Plex Mono",ui-monospace,monospace;
}

[data-theme="dark"]{
  --navy:#eaf3ee;
  --navy-2:#cfe3d8;
  --bg:#0c1612;
  --surface:#122019;
  --surface-2:#172a20;
  --line:#26392e;
  --ink:#edf4f0;
  --muted:#9fb3a7;
  --shadow:0 6px 24px rgba(0,0,0,.4);
  --shadow-lg:0 18px 50px rgba(0,0,0,.55);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font-b);background:var(--bg);color:var(--ink);
  line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;
  padding-inline:10px;            /* uniform 10px gutter on both sides, whole site */
}
h1,h2,h3,h4{font-family:var(--font-d);line-height:1.15;margin:0 0 .5em;color:var(--ink);font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,7vw,2.5rem)}
h2{font-size:clamp(1.4rem,5vw,1.8rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
a{color:var(--teal-d);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.num,.data{font-family:var(--font-m)}
.muted,.text-muted{color:var(--muted)}
.center{text-align:center}
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.75rem}.mb-2{margin-bottom:1rem}

.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;z-index:200}
.skip-link:focus{left:0}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;background:color-mix(in srgb,var(--bg) 88%,transparent);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line);
}
.nav-wrap{display:grid;grid-template-columns:44px 1fr 44px;align-items:center;height:60px;gap:8px}
.brand{display:flex;align-items:center;justify-content:center;gap:9px;font-family:var(--font-d);font-weight:700;color:var(--ink);font-size:1.05rem;grid-column:2}
.brand:hover{text-decoration:none}
.brand .mark{
  width:30px;height:30px;border-radius:9px;flex:0 0 auto;
  background:conic-gradient(from 140deg,var(--teal),var(--gold),var(--teal));
  display:grid;place-items:center;color:#fff;font-weight:800;font-size:.8rem;
  box-shadow:inset 0 0 0 2px rgba(255,255,255,.25);
}
.nav-toggle{grid-column:1;justify-self:start}
.theme-toggle{grid-column:3;justify-self:end}
.theme-toggle,.nav-toggle{
  background:var(--surface);border:1px solid var(--line);color:var(--ink);
  border-radius:10px;height:40px;width:40px;padding:0;cursor:pointer;font-size:1.05rem;
  display:grid;place-items:center;
}
.main-nav{
  position:fixed;left:50%;transform:translate(-50%,-115%);top:60px;width:100%;max-width:var(--maxw);
  background:var(--surface);border-bottom:1px solid var(--line);transition:transform .26s ease;
  max-height:calc(100vh - 60px);overflow:auto;box-shadow:var(--shadow-lg);z-index:99;
}
.main-nav.open{transform:translate(-50%,0)}
.main-nav ul{list-style:none;margin:0;padding:10px 16px}
.main-nav a{display:block;padding:13px 12px;border-radius:10px;color:var(--ink);font-weight:600}
.main-nav a:hover{background:var(--surface-2);text-decoration:none}
.main-nav a[aria-current="page"]{background:var(--surface-2);box-shadow:inset 0 0 0 1px var(--line);color:var(--teal-d)}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-d);
  font-weight:600;border-radius:12px;padding:13px 20px;cursor:pointer;border:1px solid transparent;
  font-size:1rem;transition:transform .12s,box-shadow .2s,background .2s;text-align:center;line-height:1.2}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--teal);color:#fff;box-shadow:0 8px 20px rgba(155,45,56,.32)}
.btn-primary:hover{background:var(--teal-d)}
.btn-gold{background:var(--gold);color:#3a2a00}
.btn-ghost{background:var(--surface);color:var(--ink);border-color:var(--line)}
.btn-block{display:flex;width:100%}
.btn-sm{padding:9px 14px;font-size:.9rem;border-radius:10px}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{
  outline:3px solid var(--gold);outline-offset:2px}

/* ---------- Cards & layout ---------- */
.section{padding:34px 0}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.card.hover{transition:transform .15s,box-shadow .2s}
.card.hover:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.grid{display:grid;gap:14px}
.grid-2{grid-template-columns:1fr 1fr}
.kicker{display:inline-flex;align-items:center;gap:7px;font-family:var(--font-d);font-weight:600;
  font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-d);
  background:color-mix(in srgb,var(--teal) 12%,transparent);padding:5px 11px;border-radius:30px}
.eyebrow{font-family:var(--font-m);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.chip{display:inline-block;font-size:.72rem;font-weight:600;padding:3px 10px;border-radius:20px;background:var(--surface-2);color:var(--muted)}
.chip.beginner{background:#e6f1ea;color:#1d6b46}
.chip.intermediate{background:#f7eccf;color:#9a7a14}
.chip.advanced{background:#f6e0e2;color:#9B2D38}
[data-theme="dark"] .chip.beginner{background:#123528;color:#6fcaa0}
[data-theme="dark"] .chip.intermediate{background:#352c10;color:#e6c25a}
[data-theme="dark"] .chip.advanced{background:#3a1c1f;color:#e58f98}
.lead{font-size:1.08rem;color:var(--muted)}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--muted)}
.divider{height:1px;background:var(--line);border:0;margin:26px 0}

/* ---------- Hero + IQ gauge (signature) ---------- */
.hero{padding:30px 0 8px;text-align:center}
.hero .lead{max-width:30ch;margin-inline:auto}
.gauge-wrap{display:grid;place-items:center;margin:22px auto 6px}
.gauge{width:230px;height:230px;position:relative}
.gauge svg{transform:rotate(-90deg)}
.gauge .track{fill:none;stroke:var(--surface-2);stroke-width:16}
.gauge .arc{fill:none;stroke:url(#iqgrad);stroke-width:16;stroke-linecap:round;
  stroke-dasharray:565;stroke-dashoffset:565;transition:stroke-dashoffset 1.4s cubic-bezier(.22,1,.36,1)}
.gauge .center-num{position:absolute;inset:0;display:grid;place-content:center;text-align:center}
.gauge .center-num b{font-family:var(--font-d);font-size:3rem;line-height:1;color:var(--ink)}
.gauge .center-num span{font-family:var(--font-m);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.trust-row{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:18px}
.trust-row .chip{background:var(--surface);border:1px solid var(--line);color:var(--ink);font-weight:600}

/* ---------- Stat ticker ---------- */
.ticker{display:flex;gap:10px;overflow-x:auto;padding:4px 0 8px;scrollbar-width:none}
.ticker::-webkit-scrollbar{display:none}
.ticker .t{flex:0 0 auto;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:12px 16px;min-width:130px}
.ticker .t b{font-family:var(--font-d);font-size:1.4rem;display:block;color:var(--teal-d)}
.ticker .t span{font-size:.78rem;color:var(--muted)}

/* ---------- Category / article tiles ---------- */
.tile{display:block;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:16px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .2s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);text-decoration:none}
.tile .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;font-size:1.5rem;
  background:color-mix(in srgb,var(--teal) 12%,transparent);margin-bottom:10px}
.tile h3{margin:.2em 0 .15em;color:var(--ink)}
.tile p{font-size:.9rem;color:var(--muted);margin:0}
.tile .more{display:inline-block;margin-top:10px;font-weight:600;color:var(--teal-d);font-size:.9rem}

/* ---------- Quiz ---------- */
.quiz-shell{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.progress{height:8px;background:var(--surface-2);border-radius:20px;overflow:hidden;margin:8px 0 18px}
.progress span{display:block;height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));width:0;transition:width .4s ease}
.q-text{font-family:var(--font-d);font-size:1.25rem;font-weight:700;margin:6px 0 16px}
.opt{display:block;width:100%;text-align:left;background:var(--surface);border:1.5px solid var(--line);
  border-radius:12px;padding:14px 16px;margin-bottom:10px;cursor:pointer;font-size:1rem;color:var(--ink);
  transition:border-color .15s,background .15s;font-family:var(--font-b)}
.opt:hover{border-color:var(--teal)}
.opt.correct{border-color:var(--teal);background:color-mix(in srgb,var(--teal) 14%,transparent)}
.opt.wrong{border-color:#e0524c;background:color-mix(in srgb,#e0524c 12%,transparent)}
.opt:disabled{cursor:default}
.q-meta{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:.8rem;color:var(--muted);flex-wrap:wrap}
.explain{background:var(--surface-2);border-radius:10px;padding:12px 14px;font-size:.92rem;margin-top:6px}
.explain b{color:var(--teal-d)}
.cat-filter{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0}
.cat-filter button{font-size:.82rem;padding:8px 13px;border-radius:30px;border:1px solid var(--line);
  background:var(--surface);color:var(--ink);cursor:pointer;font-weight:600}
.cat-filter button.active{background:var(--navy);color:var(--bg);border-color:var(--navy)}
[data-theme="dark"] .cat-filter button.active{background:var(--teal);color:#04121f;border-color:var(--teal)}

/* result */
.result-feedback{font-family:var(--font-d);font-size:1.5rem;font-weight:700;color:var(--teal-d)}
.rec-list{list-style:none;padding:0;margin:14px 0}
.rec-list li{padding:10px 0;border-bottom:1px solid var(--line);display:flex;gap:10px;align-items:flex-start}
.rec-list li::before{content:"→";color:var(--teal);font-weight:700}

/* ---------- Calculators ---------- */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.field input,.field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  background:var(--bg);color:var(--ink);font-size:1rem;font-family:var(--font-b)}
.field .hint{font-size:.78rem;color:var(--muted);margin-top:4px}
.calc-out{background:var(--navy);color:#eaf6ff;border-radius:12px;padding:18px;margin-top:8px;text-align:center}
[data-theme="dark"] .calc-out{background:linear-gradient(135deg,var(--surface-2),var(--surface));box-shadow:inset 0 0 0 1px var(--line)}
.calc-out .big{font-family:var(--font-d);font-size:2.2rem;font-weight:700;color:#fff;display:block;line-height:1.1}
[data-theme="dark"] .calc-out .big{color:var(--teal)}
.calc-out small{color:#9fc4dd;font-size:.8rem}
.calc-breakdown{display:flex;justify-content:space-between;font-family:var(--font-m);font-size:.85rem;
  padding:7px 0;border-bottom:1px solid var(--line)}

/* ---------- Article body ---------- */
.article-body{font-size:1.03rem}
.article-body h2{margin-top:1.4em}
.article-body p{margin-bottom:1.1em}
.article-body ul{padding-left:1.2em;margin-bottom:1.1em}
.article-body li{margin-bottom:.4em}
.article-body .callout{background:color-mix(in srgb,var(--gold) 14%,transparent);border-left:3px solid var(--gold);
  border-radius:0 10px 10px 0;padding:12px 16px;margin:1.2em 0;font-size:.96rem}

/* ---------- Ads ---------- */
.ad-slot{margin:30px auto;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;
  background:var(--surface-2);border:1px dashed var(--line);border-radius:12px;color:var(--muted);
  width:336px;max-width:100%;min-height:280px;text-align:center}
.ad-slot small{font-size:.62rem;letter-spacing:.14em;text-transform:uppercase}
.ad-slot b{font-family:var(--font-d);font-size:.9rem;color:var(--muted)}
.ad-slot + .ad-slot{margin-top:46px}
.ad-slot.ad-live{min-height:0;height:auto;border:0;background:transparent;padding:0}
.ad-slot[data-ad="top"]{margin-top:14px;margin-bottom:24px}
.ad-label{font-family:var(--font-m);font-size:.6rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);text-align:center;margin:24px 0 -18px}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#cfe0f2;margin-top:40px;padding:30px 0 22px}
[data-theme="dark"] .site-footer{background:#040d1a;border-top:1px solid var(--line)}
.site-footer .brand{color:#fff}
.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 10px}
.site-footer ul{list-style:none;padding:0;margin:0 0 18px}
.site-footer li{margin-bottom:7px}
.site-footer a{color:#9fc4dd;font-size:.9rem}
.foot-grid{display:grid;gap:18px;grid-template-columns:1fr 1fr}
.foot-disc{font-size:.78rem;color:#7fa3c0;margin-top:14px;line-height:1.5}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:16px;padding-top:14px;font-size:.78rem;color:#7fa3c0}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(14px);transition:opacity .5s,transform .5s}
.reveal.in{opacity:1;transform:none}

/* =====================================================================
   MOBILE-VIEW FRAME — render as a centered phone column on any screen.
   Delete this block to restore full-width responsive desktop layout.
   ===================================================================== */
@media(min-width:520px){
  html{background:#0a120e}
  body{max-width:var(--maxw);margin:0 auto;box-shadow:0 0 0 1px var(--line),0 0 90px rgba(0,0,0,.5);min-height:100vh}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .gauge .arc{transition:none}
}

/* GPA calculator rows */
.gpa-row select,.gpa-row input{
  width:100%;padding:11px 12px;border:1px solid var(--line);
  border-radius:var(--radius-sm);background:var(--bg);color:var(--ink);
  font-family:var(--font-b);font-size:.95rem;-webkit-appearance:none;appearance:none;
}
.gpa-row select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235d6488' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 12px center;padding-right:30px;
}
.gpa-row select:focus,.gpa-row input:focus{outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal)}

/* ---------- Goal-first funnel ---------- */
.goal-list{display:grid;gap:12px}
.goal-card{
  display:grid;grid-template-columns:54px 1fr 24px;align-items:center;gap:14px;
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:16px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .2s,border-color .2s;
}
.goal-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);text-decoration:none;border-color:var(--teal)}
.goal-ic{
  width:54px;height:54px;border-radius:14px;display:grid;place-items:center;font-size:1.6rem;
  background:color-mix(in srgb,var(--teal) 14%,transparent);
}
.goal-tx h3{margin:0 0 2px;font-size:1.12rem}
.goal-tx p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.4}
.goal-go{font-size:1.3rem;color:var(--teal-d);font-weight:700;justify-self:end}