/* Fountain Finances — non-critical styles (loaded without blocking render). Bump ?v= in BaseLayout when this file changes. */

/* sections & grids */
.section{padding:56px 0}
.section-soft{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:12px 24px;margin-bottom:24px}
.section-head h2{margin:0}
.section-head p{margin:.4em 0 0;color:var(--muted);max-width:40rem}
.section-head .more{font-weight:650;text-decoration:none;min-height:48px;display:inline-flex;align-items:center}
.section-head .more:hover{text-decoration:underline}
.grid{display:grid;gap:16px}
@media (min-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:960px){.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}}

/* cards */
.card{position:relative;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;transition:border-color .15s,box-shadow .15s}
.card:hover{border-color:var(--line-2);box-shadow:var(--shadow)}
.card :is(h2,h3){font-family:var(--sans);font-size:1.1rem;font-weight:650;margin:0 0 .4em;letter-spacing:-.01em}
.card :is(h2,h3) a{color:var(--ink);text-decoration:none}
.card :is(h2,h3) a::after{content:"";position:absolute;inset:0;border-radius:var(--radius)}
.card :is(h2,h3) a:hover{color:var(--brand-dark)}
.card p{color:var(--muted);font-size:.96rem;margin:0}
.card .kicker{font-size:.76rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--brand);margin-bottom:8px}
.card .ico{width:44px;height:44px;border-radius:11px;background:var(--brand-soft);color:var(--brand-dark);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .ico svg{width:22px;height:22px}
.card .foot{margin-top:auto;padding-top:14px;font-size:.85rem;color:var(--muted)}
.card-tool{background:linear-gradient(180deg,#fff,var(--brand-tint))}

.hub-block{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:22px}
.hub-block h3{display:flex;align-items:center;gap:10px;font-size:1.2rem}
.hub-block h3 a{color:var(--ink);text-decoration:none}
.hub-block h3 a:hover{color:var(--brand-dark);text-decoration:underline}
.hub-block>p{color:var(--muted);font-size:.96rem}
.linklist{list-style:none;margin:0;padding:0}
.linklist li{border-top:1px solid var(--line)}
.linklist a{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:46px;padding:6px 0;text-decoration:none;color:var(--ink-2);font-weight:550}
.linklist a::after{content:"→";color:var(--brand);transition:transform .15s}
.linklist a:hover{color:var(--brand-dark)}
.linklist a:hover::after{transform:translateX(3px)}

.pill-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}
.pill-list a{display:inline-flex;align-items:center;min-height:44px;padding:0 14px;border:1px solid var(--line-2);border-radius:999px;color:var(--ink-2);text-decoration:none;font-size:.94rem;font-weight:550;background:#fff}
.pill-list a:hover{border-color:var(--brand);color:var(--brand-dark)}

/* trust strip */
.trust{display:grid;gap:16px}
@media (min-width:800px){.trust{grid-template-columns:repeat(4,1fr)}}
.trust div{padding:18px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.trust strong{display:block;margin-bottom:4px}
.trust p{margin:0;font-size:.93rem;color:var(--muted)}

/* prose extras */
.prose table{width:100%;border-collapse:collapse;font-size:.95rem;margin:0}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 1.4em;border:1px solid var(--line);border-radius:var(--radius-sm)}
.prose th,.prose td,.data-table th,.data-table td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose th,.data-table th{background:var(--bg-soft);font-weight:650;color:var(--ink);white-space:nowrap}
.prose tr:last-child td{border-bottom:0}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 18px;border-left:3px solid var(--brand);color:var(--ink-2)}
.prose mark{background:var(--gold-soft);padding:0 .15em;border-radius:3px}
.prose hr{border:0;border-top:1px solid var(--line);margin:2em 0}
.prose code{font-size:.9em;background:var(--bg-soft);padding:.1em .35em;border-radius:4px}
.prose a[target="_blank"]::after{content:" ↗";font-size:.8em}
.prose img{border-radius:var(--radius)}
.prose .callout{padding:16px 18px;border-radius:var(--radius);background:var(--bg-soft);border:1px solid var(--line);margin:0 0 1.4em}

.takeaways{border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:0 0 28px;background:#fff}
.takeaways h2{font-family:var(--sans);font-size:1rem;margin:0 0 8px}
.takeaways ul{margin:0;padding-left:1.2em}
.takeaways li{margin:.3em 0}

/* toc */
.toc{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;background:#fff;font-size:.94rem}
.toc h2{font-family:var(--sans);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 8px}
.toc ol{list-style:none;margin:0;padding:0}
.toc li a{display:block;padding:7px 0;color:var(--ink-2);text-decoration:none;border-bottom:1px solid var(--line)}
.toc li:last-child a{border-bottom:0}
.toc li.l3 a{padding-left:14px;font-size:.9rem;color:var(--muted)}
.toc a:hover{color:var(--brand-dark)}
details.toc-mobile{margin:0 0 24px}
details.toc-mobile summary{cursor:pointer;font-weight:650;min-height:48px;display:flex;align-items:center}
.aside-sticky{position:sticky;top:90px;display:grid;gap:16px}
@media (min-width:1024px){details.toc-mobile{display:none}}
@media (max-width:1023px){.aside-toc{display:none}}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:56px;padding:12px 0;font-weight:650;font-size:1.04rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary :is(h2,h3){font:inherit;margin:0;color:inherit}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--brand);flex:none;width:24px;text-align:center}
.faq details[open] summary::after{content:"−"}
.faq .ans{padding:0 0 16px;color:var(--ink-2)}
.faq .ans p:last-child{margin:0}

/* author, sources, disclosure */
.author-box{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:var(--bg-warm);margin:32px 0}
.author-box .avatar{flex:none;width:52px;height:52px;border-radius:50%;background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.author-box h2{font-family:var(--sans);font-size:1rem;margin:0 0 4px}
.author-box p{margin:0 0 6px;font-size:.94rem;color:var(--ink-2)}
.sources{font-size:.94rem}
.sources ol{padding-left:1.3em}
.sources li{margin:.4em 0}
.disclosure{font-size:.88rem;color:var(--muted);border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px;background:#fff;margin:0 0 20px}
.disclosure strong{color:var(--ink-2)}
.notice{border-left:3px solid var(--gold);background:var(--gold-soft);padding:12px 16px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-size:.94rem;margin:0 0 20px}
.notice p:last-child{margin:0}

/* cta band */
.cta-band{border-radius:var(--radius);background:var(--navy);color:#e8eef4;padding:28px 24px;display:grid;gap:16px;margin:36px 0}
.cta-band h2{color:#fff;margin:0;font-size:1.5rem}
.cta-band p{margin:0;color:#c8d4df}
.cta-band .btn-primary{background:#fff;color:var(--navy)}
.cta-band .btn-primary:hover{background:var(--brand-soft);color:var(--navy)}
@media (min-width:800px){.cta-band{grid-template-columns:1fr auto;align-items:center;padding:32px 36px}}

/* forms */
.field{display:grid;gap:6px}
.field label,.field .label{font-weight:600;font-size:.95rem;color:var(--ink)}
.field .hint{font-size:.84rem;color:var(--muted)}
.input,.select,.textarea{width:100%;min-height:48px;padding:10px 12px;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:var(--radius-sm)}
.textarea{min-height:140px;resize:vertical}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(10,106,107,.18)}
.input[aria-invalid="true"]{border-color:var(--red)}
.affix{position:relative}
.affix .input{padding-left:28px}
.affix .input.suffix{padding-left:12px;padding-right:34px}
.affix span{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.95rem;pointer-events:none}
.affix .pre{left:12px}
.affix .post{right:12px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;color:var(--ink-2)}
.check input{width:22px;height:22px;margin-top:1px;flex:none;accent-color:var(--brand)}
.form-status{font-size:.95rem;margin-top:10px;min-height:1.4em}
.form-status.ok{color:var(--green)}
.form-status.err{color:var(--red)}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}

/* newsletter */
.newsletter{border-radius:var(--radius);background:var(--brand-ink);color:#e3f1ef;padding:28px 22px}
.newsletter h2{color:#fff;margin:0 0 .3em}
.newsletter p{color:#bcdcd7}
.newsletter .nl-row{display:grid;gap:10px}
@media (min-width:640px){.newsletter .nl-row{grid-template-columns:1fr auto}.newsletter{padding:36px}}
.newsletter .input{border-color:transparent}
.newsletter .check{color:#d3e8e4}
.newsletter .check a{color:#fff}
.newsletter .btn-primary{background:#fff;color:var(--brand-ink)}
.newsletter .btn-primary:hover{background:var(--brand-soft)}
.newsletter .form-status.ok{color:#9ee6c0}
.newsletter .form-status.err{color:#ffc4bd}

/* calculators */
.calc{display:grid;gap:24px;padding:28px 0 12px}
@media (min-width:960px){.calc{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start}}
.calc-form,.calc-out{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:20px}
.calc-form{display:grid;gap:16px}
.calc-form fieldset{border:0;padding:0;margin:0;display:grid;gap:14px}
.calc-form legend{font-weight:700;font-size:1.02rem;margin-bottom:6px;padding:0}
.calc-form .row2{display:grid;gap:14px}
@media (min-width:520px){.calc-form .row2{grid-template-columns:1fr 1fr}}
.calc-out{background:var(--brand-tint);border-color:#c5e2dd;position:sticky;top:90px}
.calc-out h2{font-family:var(--sans);font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-dark);margin:0 0 6px}
.big-num{font-family:var(--serif);font-size:clamp(2.2rem,1.8rem + 2vw,3rem);font-weight:650;line-height:1.1;color:var(--ink);margin:0 0 4px;font-variant-numeric:tabular-nums}
.big-sub{color:var(--ink-2);margin:0 0 16px}
.stat-list{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:0;background:#fff;border:1px solid #d6e9e5;border-radius:var(--radius-sm)}
.stat-list li{display:flex;justify-content:space-between;gap:12px;padding:11px 14px;border-bottom:1px solid #e3efec;font-size:.97rem}
.stat-list li:last-child{border-bottom:0}
.stat-list span:last-child{font-weight:700;font-variant-numeric:tabular-nums;text-align:right}
.bars{display:grid;gap:10px;margin:0 0 12px}
.bar-row{display:grid;gap:4px;font-size:.9rem}
.bar-row .lbl{display:flex;justify-content:space-between;gap:8px}
.bar-track{height:10px;border-radius:99px;background:#d8ebe7;overflow:hidden}
.bar-fill{height:100%;border-radius:99px;background:var(--brand);transition:width .25s ease}
.bar-fill.alt{background:var(--gold)}
.bar-fill.neg{background:var(--red)}
.stack{display:flex;height:16px;border-radius:99px;overflow:hidden;margin:0 0 10px;background:#d8ebe7}
.stack span{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;list-style:none;margin:0 0 14px;padding:0;font-size:.85rem;color:var(--ink-2)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.calc-note{font-size:.84rem;color:var(--muted);margin:10px 0 0}
.calc-warn{font-size:.93rem;color:var(--red);background:#fff4f3;border:1px solid #f5c9c4;padding:10px 12px;border-radius:var(--radius-sm);margin:0 0 12px}
.calc-warn[hidden]{display:none}
.data-table{width:100%;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
.data-table td:not(:first-child),.data-table th:not(:first-child){text-align:right}
.debt-row{display:grid;gap:10px;grid-template-columns:1fr 1fr;padding:12px;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--bg-soft)}
.debt-row .field:first-child{grid-column:1/-1}
@media (min-width:640px){.debt-row{grid-template-columns:1.2fr 1fr 1fr 1fr auto;align-items:end}.debt-row .field:first-child{grid-column:auto}}
.icon-btn{min-width:48px;min-height:48px;border:1px solid var(--line-2);border-radius:var(--radius-sm);background:#fff;cursor:pointer;color:var(--ink-2);font:inherit}
.icon-btn:hover{border-color:var(--red);color:var(--red)}
.seg{display:inline-flex;border:1px solid var(--line-2);border-radius:10px;overflow:hidden}
.seg label{display:flex;align-items:center;min-height:44px;padding:0 14px;cursor:pointer;font-size:.93rem;border-right:1px solid var(--line-2)}
.seg label:last-child{border-right:0}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked+span{font-weight:700;color:var(--brand-dark)}
.seg label:has(input:checked){background:var(--brand-soft)}
.seg label:has(input:focus-visible){outline:3px solid #1a8c8c;outline-offset:-3px}

/* products / comparisons */
.product-list{display:grid;gap:18px;counter-reset:prod}
.product{border:1px solid var(--line);border-radius:var(--radius);background:#fff;overflow:hidden}
.product-head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;align-items:flex-start;padding:18px 20px;border-bottom:1px solid var(--line);background:var(--bg-warm)}
.product-head h3{margin:0;font-size:1.2rem}
.product-head .prov{font-size:.9rem;color:var(--muted);margin:2px 0 0}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:700;padding:4px 10px;border-radius:99px;background:var(--brand-soft);color:var(--brand-dark)}
.badge-ad{background:var(--gold-soft);color:#7a4e0e}
.product-body{padding:18px 20px;display:grid;gap:18px}
@media (min-width:800px){.product-body{grid-template-columns:1.1fr 1fr}}
.kv{display:grid;grid-template-columns:auto 1fr;gap:8px 16px;margin:0;font-size:.95rem}
.kv dt{color:var(--muted)}
.kv dd{margin:0;font-weight:600}
.pc{display:grid;gap:14px}
@media (min-width:560px){.pc{grid-template-columns:1fr 1fr}}
.pc h4{font-size:.92rem;margin:0 0 6px}
.pc ul{margin:0;padding-left:1.1em;font-size:.93rem}
.pc .pros li::marker{content:"+  ";color:var(--green);font-weight:700}
.pc .cons li::marker{content:"–  ";color:var(--red);font-weight:700}
.product-foot{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;padding:14px 20px;border-top:1px solid var(--line)}
.product-foot p{margin:0;font-size:.85rem;color:var(--muted);max-width:36rem}
.compare-table{min-width:720px}
.compare-table td{font-size:.92rem}

/* search */
.search-box{display:flex;gap:10px;flex-wrap:wrap}
.search-box .input{flex:1 1 260px;font-size:1.05rem}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 8px}
.filters button{min-height:44px;padding:0 14px;border:1px solid var(--line-2);border-radius:99px;background:#fff;font:inherit;font-size:.92rem;cursor:pointer;color:var(--ink-2)}
.filters button[aria-pressed="true"]{background:var(--brand);border-color:var(--brand);color:#fff}
.results{list-style:none;margin:0;padding:0}
.results li{padding:16px 0;border-bottom:1px solid var(--line)}
.results .type{font-size:.75rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--brand)}
.results h2{font-family:var(--sans);font-size:1.12rem;margin:4px 0}
.results h2 a{text-decoration:none}
.results h2 a:hover{text-decoration:underline}
.results p{margin:0;color:var(--muted);font-size:.95rem}

/* footer */
.site-footer{background:var(--navy);color:#c8d4df;margin-top:0;padding:48px 0 28px;font-size:.94rem}
.site-footer a{color:#e8eef4;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.ft-grid{display:grid;gap:28px}
@media (min-width:720px){.ft-grid{grid-template-columns:1.4fr repeat(4,1fr)}}
.ft-brand .brand{color:#fff;margin:0 0 10px}
.ft-brand .brand small{color:#9fb3c6}
.ft-col h2{font-family:var(--sans);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:#9fb3c6;margin:0 0 10px}
.ft-col ul{list-style:none;margin:0;padding:0}
.ft-col li a{display:inline-flex;align-items:center;min-height:36px}
.ft-legal{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);display:grid;gap:12px;font-size:.84rem;color:#9fb3c6}
.ft-legal p{margin:0}
.ft-legal ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 16px}

/* consent banner */
.consent{position:fixed;left:12px;right:12px;bottom:12px;z-index:60;max-width:560px;background:#fff;border:1px solid var(--line-2);border-radius:var(--radius);box-shadow:0 10px 40px rgba(15,29,43,.18);padding:16px 18px;font-size:.92rem}
.consent[hidden]{display:none}
.consent p{margin:0 0 12px;color:var(--ink-2)}
.consent .row{display:flex;flex-wrap:wrap;gap:8px}
.consent .btn{min-height:44px;padding:0 16px;font-size:.93rem}

/* misc */
.two-col{display:grid;gap:32px}
@media (min-width:900px){.two-col{grid-template-columns:1fr 1fr}}
.muted{color:var(--muted)}
.center{text-align:center}
.stack-sm>*+*{margin-top:8px}
.policy h2{font-size:1.45rem;margin-top:1.8em}
.policy{padding:32px 0 56px}
.steps-list{counter-reset:s;list-style:none;padding:0;margin:0 0 1.4em}
.steps-list li{counter-increment:s;position:relative;padding-left:44px;margin:0 0 14px}
.steps-list li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;font-size:.9rem;display:flex;align-items:center;justify-content:center}
.pillar-toc{columns:1;gap:24px}
@media (min-width:720px){.pillar-toc{columns:2}}
.pillar-toc li{break-inside:avoid}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.site-footer,.newsletter,.consent,.aside-sticky,.cta-band{display:none!important}}
.linklike{background:none;border:0;padding:0;font:inherit;color:#e8eef4;cursor:pointer;text-decoration:underline;min-height:24px}
.calc-mini{position:fixed;left:12px;right:12px;bottom:12px;z-index:30;display:flex;justify-content:space-between;align-items:center;gap:12px;min-height:56px;padding:0 18px;border-radius:12px;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;box-shadow:0 8px 30px rgba(15,29,43,.25)}
.calc-mini:hover{color:#fff}
.calc-mini [data-mini]{font-family:var(--serif);font-size:1.35rem;font-variant-numeric:tabular-nums}
.calc-mini[hidden]{display:none}
@media (min-width:960px){.calc-mini{display:none!important}}
.ico-inline{display:inline-flex;width:34px;height:34px;border-radius:9px;background:var(--brand-soft);color:var(--brand-dark);align-items:center;justify-content:center;flex:none}
.ico-inline svg{width:18px;height:18px}
.pillar .prose{max-width:760px}
.pillar-body h2{padding-top:.4em;border-top:1px solid var(--line);margin-top:1.6em}
.ft-legal a,.ft-brand p a{text-decoration:underline}