/* Rated, Now What — shared styles. Reproduces the beehiiv theme (Instrument Serif wordmark,
   Instrument Sans body, black-on-white, black pill buttons). */
:root{
  --bg:#FDFDFD;
  --paper:#FFFFFF;
  --ink:#010101;
  --muted:#5c666a;
  --line:#e9e9e9;
  --gold:#B4975A;
  --gold-link:#8A6D3B;
  --steel:#333F42;
  --red:#C8102E;
  --serif:"Instrument Serif", Georgia, "Times New Roman", serif;
  --sans:"Instrument Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --radius:8px;
  --maxw:1180px;
  --readw:680px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--ink);text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}

/* ---------- top nav ---------- */
.nav{position:sticky;top:0;z-index:50;background:var(--bg);border-bottom:1px solid var(--line)}
.nav-inner{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;gap:14px;padding:11px 20px}
.nav .logo{display:flex;align-items:center;flex:0 0 auto}
.nav .logo img{width:40px;height:40px;border-radius:8px}
.nav .search{display:flex;align-items:center;justify-content:center;color:var(--ink);opacity:.85;flex:0 0 auto;background:none;border:0;padding:4px;cursor:pointer;border-radius:6px}
.nav .search:hover{opacity:1;background:#f1f2f2}

/* site search panel (client-side, index fetched from /search-index.json) */
.searchbox{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 12px 30px rgba(0,0,0,.10);z-index:70}
.searchbox[hidden]{display:none}
.searchbox-inner{max-width:760px;margin:0 auto;padding:16px 20px 20px}
.searchbox input{width:100%;font:inherit;font-size:17px;padding:13px 16px;border:1px solid #d9dcdc;border-radius:10px;outline:none;background:#fff;color:var(--ink)}
.searchbox input:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(180,151,90,.15)}
.search-results{margin:8px 0 0}
.search-results a{display:block;padding:11px 14px;border-radius:8px;color:var(--ink);text-decoration:none}
.search-results a .sr-t{font-weight:600}
.search-results a:hover{background:#f4f5f5}
.search-results .nores{padding:11px 14px;color:var(--muted)}
.rc{color:var(--red)}
.nav-links{display:flex;align-items:center;gap:20px;flex:0 1 auto;flex-wrap:nowrap}
.nav-links a{font-weight:600;font-size:15px;white-space:nowrap;color:var(--ink)}
.nav-links a:hover{opacity:.6}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--ink);color:#fff;font-family:var(--sans);font-weight:600;border:0;border-radius:var(--radius);padding:9px 18px;font-size:15px;cursor:pointer;white-space:nowrap;line-height:1}
.btn:hover{opacity:.88}
.nav .btn{flex:0 0 auto;margin-left:auto}
.dlbtn{font-size:17px;padding:14px 30px;border-radius:10px}

/* Tools nav dropdown */
.navdd{position:relative;display:inline-flex;align-items:center}
.navdd-t{font-weight:600;font-size:15px;color:var(--ink);white-space:nowrap;cursor:pointer}
.navdd-t .caret{font-size:9px;opacity:.6}
.navdd-t:hover{opacity:.6}
.navdd-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 8px 28px rgba(0,0,0,.12);padding:6px;min-width:210px;z-index:60}
.navdd:hover .navdd-menu,.navdd:focus-within .navdd-menu{display:block}
.navdd-menu a{display:block;padding:9px 14px;border-radius:6px;font-weight:600;font-size:14.5px;white-space:nowrap;color:var(--ink)}
.navdd-menu a:hover{background:#f4f5f5;opacity:1}

/* ---------- generic page ---------- */
main{padding:0 0 8px}
.section{padding:34px 0}
.center{text-align:center}
.narrow{max-width:var(--readw);margin-left:auto;margin-right:auto}
.mw820{max-width:820px;margin-left:auto;margin-right:auto}
.mw980{max-width:980px;margin-left:auto;margin-right:auto}

h1,h2,h3{line-height:1.2;margin:0 0 .5em}
p{margin:0 0 1em}
.wordmark{font-family:var(--serif);font-weight:400;letter-spacing:.01em}

/* ---------- home hero ---------- */
.hero{padding:44px 20px 26px;text-align:center}
.hero .mark{width:78px;height:78px;border-radius:14px;margin:0 auto 22px}
.hero h1{font-family:var(--serif);font-weight:400;font-size:52px;line-height:1.05;margin:0 0 12px}
.hero .tagline{font-size:19px;color:var(--ink);margin:0 auto 26px;max-width:560px}

/* ---------- signup ---------- */
.signup{display:flex;align-items:stretch;max-width:500px;margin:0 auto;border:1px solid #d9dcdc;border-radius:12px;overflow:hidden;background:#fff}
.signup input{flex:1 1 auto;border:0;outline:0;padding:0 16px;font:inherit;font-size:16px;color:var(--ink);min-width:0;background:transparent}
.signup .btn{border-radius:10px;margin:5px;padding:11px 22px}

/* ---------- three-up value props ---------- */
.threeup{display:grid;grid-template-columns:repeat(3,1fr);gap:34px;max-width:1060px;margin:14px auto 0}
.threeup h3{font-size:17px;font-weight:700;margin:0 0 8px}
.threeup p{font-size:16px;color:#25292b;margin:0}

/* ---------- callout / lists ---------- */
.callout{max-width:900px;margin:0 auto}
.callout .lead{font-weight:700;font-size:18px;margin:0 0 14px}
.callout ol{margin:0;padding-left:22px}
.callout ol li{margin:0 0 8px}

/* ---------- rich body content (hubs, /p/ pages) ---------- */
.doc{max-width:var(--readw);margin:0 auto;padding:8px 0 10px}
.doc h1{font-family:var(--serif);font-weight:400;font-size:40px;line-height:1.08;margin:6px 0 18px}
.doc h2{font-size:26px;font-weight:700;margin:38px 0 12px;letter-spacing:-.01em}
.doc h3{font-size:20px;font-weight:700;margin:26px 0 8px}
.doc p{font-size:17px;margin:0 0 16px}
.doc ul,.doc ol{margin:0 0 18px;padding-left:24px}
.doc li{margin:0 0 8px}
.doc a{color:#1f6feb;text-decoration:underline;text-underline-offset:2px}
.doc a:hover{opacity:.8}
.doc strong{font-weight:700}
.doc hr{border:0;border-top:1px solid var(--line);margin:30px 0}
.doc blockquote{margin:0 0 18px;padding:2px 0 2px 16px;border-left:3px solid var(--gold);color:#333}

/* dark steel banner behind major section headings */
.doc h2.banner,.doc h3.banner{background:var(--steel);color:#fff;font-family:var(--serif);font-weight:400;line-height:1.18;border-radius:6px;padding:12px 20px;margin:44px 0 6px;letter-spacing:.01em;scroll-margin-top:84px}
.doc h2.banner{font-size:27px}
.doc h3.banner{font-size:22px}

/* page-title header block: centered; steel banner when it titles a rating/state/section page */
.doc > h1:first-of-type{text-align:center;margin-top:14px}
.doc h1.banner{background:var(--steel);color:#fff;font-family:var(--serif);font-weight:400;line-height:1.15;border-radius:8px;padding:16px 24px;margin:14px 0 22px;font-size:34px;text-align:center;letter-spacing:.01em;scroll-margin-top:84px}
@media(max-width:640px){.doc h1.banner{font-size:25px;padding:13px 16px}}

/* light-grey jump-list box with gold, two-column links */
.doc .toc{background:#F4F5F5;border-radius:6px;padding:16px 20px;margin:14px 0 26px}
.doc .toc .toc-title{font-weight:700;font-size:13.5px;letter-spacing:.03em;text-transform:uppercase;color:#3b4448;margin:0 0 12px}
.doc .toc ul.toc-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:11px 34px}
.doc .toc ul.toc-list li{margin:0;position:relative;padding-left:18px}
.doc .toc ul.toc-list li::before{content:"\203A";position:absolute;left:2px;top:0;color:var(--gold);font-weight:700;font-size:16px}
.doc .toc a{color:var(--gold-link);font-weight:600;text-decoration:none;line-height:1.35;display:block}
.doc .toc a:hover{text-decoration:underline}
@media(max-width:640px){.doc .toc ul.toc-list{grid-template-columns:1fr}}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}

/* mini table of contents / jump list */
.toc{max-width:var(--readw);margin:0 auto 8px;padding:16px 18px;background:#fff;border:1px solid var(--line);border-radius:12px}
.toc .toc-title{font-weight:700;margin:0 0 8px}
.toc ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 18px}
.toc a{color:#1f6feb;text-decoration:none;font-weight:600;font-size:15px}
.toc a:hover{text-decoration:underline}

/* jump-links clear the sticky nav */
.anchor{scroll-margin-top:84px}
.doc [id]{scroll-margin-top:84px}

/* ---------- disclaimer ---------- */
.fineprint{max-width:1000px;margin:20px auto 0;color:var(--muted);font-size:13.5px;line-height:1.55}
.fineprint p{margin:0 0 12px}

/* ---------- signup embed slot (beehiiv) ---------- */
.embed-signup{max-width:520px;margin:26px auto 0}
.bh-embed{max-width:520px;margin:14px auto 0}
.bh-embed iframe{width:100%!important;border:0}

/* ---------- /p/ topic-page signup CTA ---------- */
.pcta{max-width:var(--readw);margin:36px auto 6px;padding:26px 24px;background:#fff;border:1px solid var(--line);border-radius:14px;text-align:center}
.pcta h3{font-size:21px;font-weight:700;margin:0 0 6px}
.pcta p{color:var(--muted);font-size:15px;margin:0 auto 14px;max-width:460px}

/* Tools page cards */
.doc .toolcards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:22px 0 8px}
.doc .toolcard{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;color:var(--ink);text-decoration:none}
.doc a.toolcard{color:var(--ink);text-decoration:none}
.doc a.toolcard:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(0,0,0,.06)}
.doc .toolcard h3{font-size:18px;font-weight:700;margin:0 0 8px;color:var(--ink)}
.doc .toolcard p{font-size:15px;color:var(--muted);margin:0 0 10px}
.doc .toolcard .toolgo{color:var(--gold-link);font-weight:700;font-size:14.5px}
.doc .toolcard.soon{opacity:.6}
@media(max-width:640px){.doc .toolcards{grid-template-columns:1fr}}

/* interactive tool calculators */
.calc{max-width:var(--readw);margin:10px auto 0}
.calc .field{margin:0 0 24px}
.calc label.q{display:block;font-weight:700;font-size:17px;margin:0 0 4px;color:var(--ink)}
.calc .hint{font-size:14.5px;color:var(--muted);margin:0 0 10px}
.calc input[type=number],.calc input[type=text]{width:100%;max-width:320px;font:inherit;font-size:17px;padding:12px 14px;border:1px solid #d9dcdc;border-radius:10px;outline:none;background:#fff;color:var(--ink)}
.calc input:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(180,151,90,.15)}
.calc .money{position:relative;display:inline-block;max-width:320px;width:100%}
.calc .money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.calc .money input{padding-left:26px}
.calc .opts{display:flex;flex-direction:column;gap:10px}
.calc .opt{display:flex;gap:12px;align-items:flex-start;border:1px solid var(--line);border-radius:10px;padding:13px 15px;cursor:pointer;background:#fff}
.calc .opt:hover{border-color:var(--gold)}
.calc .opt input{margin-top:3px;flex:0 0 auto}
.calc .opt.sel{border-color:var(--gold);background:#faf7f0;box-shadow:0 0 0 2px rgba(180,151,90,.18)}
.calc .opt .ot{font-weight:600;display:block}
.calc .opt .od{font-size:14px;color:var(--muted);margin-top:2px;display:block}
.calc .sub{margin:12px 0 0;padding:2px 0 2px 14px;border-left:2px solid var(--gold)}
.calc .sub label{font-weight:600;font-size:15px;display:block;margin:0 0 6px}
.calc-out{margin:24px 0 0;background:var(--steel);color:#fff;border-radius:12px;padding:22px 24px}
.calc-out .big{font-family:var(--serif);font-size:32px;line-height:1.12;margin:0 0 6px}
.calc-out .sm{font-size:15.5px;color:#e3e6e7;margin:0}
.calc-out.hide{display:none}
.calc-out a{color:#fff;text-decoration:underline}
.calc-details{margin:16px auto 0;max-width:var(--readw)}
.calc-details p{font-size:16px;margin:0 0 12px}
.calc .note{font-size:13.5px;color:var(--muted);margin:20px 0 0;line-height:1.55}
.calc .reset{background:none;border:0;color:var(--gold-link);font:inherit;font-weight:600;cursor:pointer;padding:0;margin:14px 0 0;text-decoration:underline}
.hidden{display:none}

/* Guides index + related lists */
.doc ul.guidelist{list-style:none;margin:6px 0 24px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:11px 30px}
.doc ul.guidelist li{margin:0;position:relative;padding-left:18px}
.doc ul.guidelist li::before{content:"\203A";position:absolute;left:2px;top:0;color:var(--gold);font-weight:700;font-size:16px}
.doc ul.guidelist a{color:var(--gold-link);font-weight:600;text-decoration:none}
.doc ul.guidelist a:hover{text-decoration:underline}
@media(max-width:640px){.doc ul.guidelist{grid-template-columns:1fr}}

/* ---------- footer ---------- */
.footer{border-top:1px solid var(--line);margin-top:26px;padding:34px 20px 40px;background:var(--bg)}
.footer-inner{max-width:var(--maxw);margin:0 auto;display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px}
.footer .fm{font-family:var(--serif);font-size:24px;font-weight:400}
.footer .ftag{color:var(--muted);font-size:15px;margin:0}
.footer .flinks{display:flex;gap:22px;align-items:center;margin:4px 0}
.footer .flinks a{font-weight:600;font-size:15px;color:var(--ink)}
.footer .socials{display:flex;gap:16px;align-items:center;margin:6px 0}
.footer .socials a{color:var(--ink);opacity:.8}
.footer .socials a:hover{opacity:1}
.footer .socials svg{width:22px;height:22px;display:block}
.footer .copy{color:var(--muted);font-size:13.5px;margin-top:6px}

/* ---------- mobile ---------- */
.burger{display:none;flex:0 0 auto;background:none;border:0;padding:6px;cursor:pointer;color:var(--ink)}
@media(max-width:900px){
  .nav-links{display:none}
  .burger{display:inline-flex}
  .nav-inner{gap:12px}
  .nav .search{margin-left:auto}
  .mobile-menu{display:none;flex-direction:column;gap:2px;padding:8px 20px 16px;border-bottom:1px solid var(--line);background:var(--bg)}
  .mobile-menu.open{display:flex}
  .mobile-menu a{padding:11px 4px;font-weight:600;border-bottom:1px solid #f1f1f1}
  .hero h1{font-size:40px}
  .threeup{grid-template-columns:1fr;gap:24px;max-width:520px}
  .doc h1{font-size:32px}
  .doc h2{font-size:23px}
}
@media(min-width:901px){.mobile-menu{display:none}}