/* Money, Old and New
   Warm white, forest and an occasional burgundy. Besley for reading, Archivo for the interface.
   Every large surface stays warm white: no fills, gradients, shadows or textures. */

:root {
  --bg: #FAF9F6;        /* every page and section surface */
  --text: #242824;      /* body text and headings: 14.2:1 on warm white */
  --muted: #626960;     /* dates, bylines, captions: 5.4:1 */
  --forest: #173C32;    /* identity, links, primary buttons: 11.5:1 */
  --burgundy: #6B2938;  /* focus ring and rare editorial accents: 10:1. Never next to forest. */
  --rule: #DEDFD7;      /* decorative dividers only, too light for control boundaries */
  --edge: #626960;      /* boundaries of form controls */
  --serif: 'Besley', Georgia, 'Times New Roman', serif;
  --sans: 'Archivo', 'Helvetica Neue', Arial, sans-serif;
  --page: 1040px;
  --read: 680px;
  --rail: 200px;
  --rail-gap: 64px;
  --gutter: clamp(20px, 5vw, 48px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body { display: flex; flex-direction: column; min-height: 100vh; margin: 0; background: var(--bg); color: var(--text); font: 400 16px/1.6 var(--sans); }
main { flex: 1 0 auto; }
img { max-width: 100%; height: auto; }
h1, h2, h3, h4 { font-weight: 400; text-wrap: pretty; }
p, li, dd { text-wrap: pretty; }
a { color: var(--forest); text-decoration-thickness: 1px; text-underline-offset: 0.22em; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--burgundy); outline-offset: 4px; }

.wrap { max-width: calc(var(--page) + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }
.visually-hidden { position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.nowrap { white-space: nowrap; }
.skip-link { position: absolute; left: 16px; top: -100px; z-index: 10; padding: 12px 18px; background: var(--forest); color: var(--bg); font: 500 15px/1.2 var(--sans); text-decoration: none; }
.skip-link:focus { top: 16px; }

/* The editorial grid: a narrow rail for labels and contents, a wide body for the writing.
   Below 960px the rail stacks above the body. */
@media (min-width: 960px) {
  .row { display: grid; grid-template-columns: var(--rail) minmax(0, 1fr); column-gap: var(--rail-gap); }
  .row > .body { grid-column: 2; }
}

/* Type */
.kicker { margin: 0 0 8px; font: 500 13px/1.45 var(--sans); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.meta { margin: 0; font: 400 14px/1.6 var(--sans); color: var(--muted); }
.page-title { margin: 0 0 20px; font: 400 clamp(32px, 1.6vw + 21px, 44px)/1.22 var(--serif); letter-spacing: -0.015em; max-width: 20em; }
.page-lede { margin: 0; max-width: 34em; font: 400 20px/1.65 var(--serif); }
.section-title { margin: 0 0 16px; font: 400 clamp(25px, 0.8vw + 19px, 30px)/1.3 var(--serif); letter-spacing: -0.01em; }
.section-intro { margin: 0 0 28px; max-width: 34em; font: 400 19px/1.7 var(--serif); }
.serif-text { font: 400 18px/1.7 var(--serif); }

/* Actions: one filled button per section, everything else is an underlined link */
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 12px 24px; border: 1px solid var(--forest); background: var(--forest); color: var(--bg); font: 500 15px/1.25 var(--sans); letter-spacing: 0.01em; text-align: center; text-decoration: none; cursor: pointer; }
.button:hover { background: var(--text); border-color: var(--text); color: var(--bg); }
.action { display: inline-flex; align-items: center; min-height: 44px; font: 500 15px/1.3 var(--sans); }
.link-button { display: inline-flex; align-items: center; min-height: 44px; padding: 0; border: 0; background: none; color: var(--forest); font: 500 15px/1.3 var(--sans); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 0.22em; cursor: pointer; }
.link-button:hover { text-decoration-thickness: 2px; }
.link-button[hidden] { display: none; }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 28px; margin-top: 32px; }

/* Masthead: the full wordmark centred, navigation beneath */
.masthead { display: flex; flex-direction: column; align-items: center; padding-top: 36px; border-bottom: 1px solid var(--rule); }
.brand { display: block; width: 540px; max-width: 100%; }
.brand-wordmark { display: block; width: 100%; height: auto; }
.brand-gateway { display: none; }
.site-nav { display: flex; justify-content: center; gap: 0 36px; padding: 6px 0 10px; }
.site-nav a { display: inline-flex; align-items: center; min-height: 44px; padding-inline: 4px; color: var(--text); font: 400 15px/1.2 var(--sans); letter-spacing: 0.01em; text-decoration: none; text-underline-offset: 7px; }
.site-nav a:hover { text-decoration: underline; text-decoration-thickness: 1px; }
.site-nav a[aria-current="page"] { text-decoration: underline; text-decoration-color: var(--forest); text-decoration-thickness: 1px; }

/* Compact masthead: the gateway at left, navigation at right */
@media (max-width: 640px) {
  .masthead { flex-direction: row; justify-content: space-between; align-items: center; gap: 12px; padding: 12px 0; }
  .brand { display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; margin-left: -2px; }
  .brand-wordmark { display: none; }
  .brand-gateway { display: block; width: 40px; height: 40px; }
  .site-nav { gap: 0 4px; padding: 0; margin-right: -8px; }
  .site-nav a { padding-inline: 8px; }
}

/* Footer */
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-start; gap: 16px 48px; padding: 32px 0 48px; border-top: 1px solid var(--rule); }
.footer-note { flex: 1 1 320px; margin: 0; max-width: 34em; font: 400 14px/1.65 var(--sans); color: var(--muted); }
.footer-title { font: 400 16px/1.5 var(--serif); color: var(--text); }
.footer-nav ul { display: flex; flex-wrap: wrap; gap: 0 22px; margin: -10px 0 0; padding: 0; list-style: none; }
.footer-nav a { display: inline-flex; align-items: center; min-height: 44px; color: var(--text); font: 400 14px/1.3 var(--sans); text-decoration: none; }
.footer-nav a:hover { text-decoration: underline; text-decoration-thickness: 1px; }

/* Home */
.intro { padding: 56px 0 52px; }
.intro h1 { margin: 0 0 18px; max-width: 22em; font: 400 clamp(27px, 0.9vw + 21px, 34px)/1.42 var(--serif); letter-spacing: -0.01em; }
.intro-by { margin: 0; font: 400 15px/1.6 var(--sans); color: var(--muted); }

.feature { padding: 48px 0 60px; border-top: 1px solid var(--rule); }
.feature-meta .meta { margin-bottom: 20px; }
.feature-title { margin: 0 0 16px; max-width: 19em; font: 400 clamp(28px, 1.3vw + 20px, 38px)/1.28 var(--serif); letter-spacing: -0.015em; }
.feature-title a { color: var(--text); text-decoration: none; }
.feature-title a:hover { text-decoration: underline; text-decoration-thickness: 1px; }
.feature-preview { margin: 0 0 16px; max-width: 32em; font: 400 20px/1.7 var(--serif); }

.subscribe { padding: 36px 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.subscribe-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px 48px; }
.subscribe-text { flex: 1 1 320px; }
.subscribe-text h2 { margin: 0 0 6px; max-width: 22em; font: 400 clamp(23px, 0.6vw + 19px, 28px)/1.35 var(--serif); letter-spacing: -0.01em; }
.subscribe-text p { margin: 0; font: 400 15px/1.6 var(--sans); color: var(--muted); }
.subscribe-action { flex: 0 1 auto; display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }
.subscribe-action .meta { max-width: 21em; }
.signup-closed { margin: 0; font: 500 15px/1.5 var(--sans); }
.signup { flex-direction: column; align-items: flex-start; gap: 10px; }
.signup .meta { max-width: 30em; }

.series { padding: 60px 0 64px; }
.pairs { width: 100%; max-width: 620px; border-collapse: collapse; }
.pairs th { padding: 0 16px 10px 0; text-align: left; font: 500 13px/1.45 var(--sans); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); border-bottom: 1px solid var(--rule); }
.pairs td { width: 50%; padding: 14px 16px 14px 0; font: 400 20px/1.4 var(--serif); border-bottom: 1px solid var(--rule); }
.series-note { margin-top: 18px; }

.more { padding: 40px 0 72px; border-top: 1px solid var(--rule); }
.more-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 32px 56px; }
.more h2 { margin: 0 0 8px; font: 400 21px/1.35 var(--serif); }
.more p { margin: 0 0 4px; max-width: 30em; font: 400 15px/1.6 var(--sans); color: var(--muted); }

/* Lists of guides */
.guide-list { margin: 0; padding: 0; list-style: none; }
.guide-list > li { padding: 32px 0; border-top: 1px solid var(--rule); }
.guide-list > li:last-child { border-bottom: 1px solid var(--rule); }
.guide-list .meta { margin-bottom: 10px; }
.guide-list h2, .guide-list h3 { margin: 0 0 10px; max-width: 22em; font: 400 clamp(23px, 0.8vw + 18px, 28px)/1.3 var(--serif); letter-spacing: -0.01em; }
.guide-list h2 a, .guide-list h3 a { color: var(--text); text-decoration: none; }
.guide-list h2 a:hover, .guide-list h3 a:hover { text-decoration: underline; text-decoration-thickness: 1px; }
.guide-list p:not(.meta) { margin: 0; max-width: 34em; font: 400 18px/1.65 var(--serif); }

/* Secondary pages */
.page-head { padding: 56px 0 48px; }
.section { padding: 0 0 64px; }
.section > .body > :last-child { margin-bottom: 0; }
.ruled { padding-top: 40px; border-top: 1px solid var(--rule); }
.plain-list { margin: 0 0 8px; padding-left: 1.2em; font: 400 18px/1.65 var(--serif); }
.plain-list li { margin: 0 0 10px; padding-left: 4px; }
.plain-list li::marker { color: var(--muted); }
.page-content { max-width: var(--read); padding-bottom: 72px; font: 400 19px/1.75 var(--serif); }
.page-content p { margin: 0 0 1.15em; }
.page-content strong { font-weight: 600; }

/* Article */
.article-head { padding: 44px 0 40px; }
.breadcrumb { margin: 0 0 24px; font: 400 14px/1.5 var(--sans); color: var(--muted); }
.breadcrumb .sep { padding-inline: 6px; }
.article-title { margin: 0 0 18px; max-width: 19em; font: 400 clamp(32px, 1.8vw + 20px, 46px)/1.22 var(--serif); letter-spacing: -0.015em; }
.dek { margin: 0 0 28px; max-width: 32em; font: 400 21px/1.6 var(--serif); }
.byline { margin: 0; font: 500 15px/1.5 var(--sans); }
.dateline { margin: 2px 0 0; }
.changed { margin: 20px 0 0; max-width: 42em; font: 400 15px/1.65 var(--sans); color: var(--muted); }

.toc ol, .toc-mobile ol { margin: 0; padding: 0; list-style: none; }
.toc { display: none; }
.toc a { display: block; padding: 6px 0; color: var(--text); font: 400 14.5px/1.4 var(--sans); text-decoration: none; }
.toc a:hover { color: var(--forest); text-decoration: underline; }
.toc-mobile { margin: 0 0 36px; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.toc-mobile summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 52px; font: 500 15px/1.3 var(--sans); cursor: pointer; list-style: none; }
.toc-mobile summary::-webkit-details-marker { display: none; }
.toc-mobile summary::after { content: "+"; font: 400 22px/1 var(--sans); color: var(--forest); }
.toc-mobile[open] summary::after { content: "\2212"; }
.toc-mobile ol { padding-bottom: 12px; }
.toc-mobile a { display: flex; align-items: center; min-height: 44px; font: 400 15px/1.35 var(--sans); }
.toc-mobile + .prose > .short-version:first-child { margin-top: -36px; border-top: 0; }
@media (min-width: 960px) {
  .toc { display: block; grid-column: 1; align-self: start; padding-top: 6px; }
  .toc-mobile { display: none; }
}
@media (min-width: 960px) and (min-height: 600px) {
  .toc { position: sticky; top: 32px; }
}

.prose { max-width: var(--read); font: 400 19px/1.75 var(--serif); }
.prose p { margin: 0 0 1.15em; }
.prose ul, .prose ol { margin: 0 0 1.15em; padding-left: 1.25em; }
.prose li { margin: 0 0 0.45em; padding-left: 2px; }
.prose li::marker { color: var(--muted); }
.prose strong { font-weight: 600; }
.prose h2 { margin: 2.3em 0 0.65em; font: 400 clamp(26px, 0.7vw + 20px, 31px)/1.28 var(--serif); letter-spacing: -0.01em; scroll-margin-top: 24px; }
.prose h3 { margin: 2em 0 0.6em; font: 400 clamp(23px, 0.4vw + 20px, 26px)/1.3 var(--serif); scroll-margin-top: 24px; }
.prose [id] { scroll-margin-top: 24px; }
.prose .disclaimer { font-style: italic; font-size: 17px; line-height: 1.65; color: var(--muted); }
.prose .source { margin: 0 0 2em; font: 400 14px/1.65 var(--sans); color: var(--muted); }

.short-version { margin: 0 0 2.4em; padding: 28px 0 10px; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.prose .short-version h2 { margin: 0 0 14px; font-size: 23px; }
.short-version ul { font-size: 18px; line-height: 1.6; }
.short-version li { margin-bottom: 0.55em; }

.figure { margin: 36px 0 40px; }
.figure img { display: block; width: 100%; border: 1px solid var(--rule); }
.figure figcaption { margin-top: 10px; font: 400 14px/1.6 var(--sans); color: var(--muted); }

.network h3 { display: flex; flex-wrap: wrap; align-items: baseline; gap: 0 12px; }
.network h3 .n { min-width: 1.6em; font: 400 15px/1 var(--sans); font-variant-numeric: tabular-nums; color: var(--muted); }
.network h3 .token { font: 500 13px/1 var(--sans); letter-spacing: 0.06em; color: var(--muted); }

.t-account { display: grid; grid-template-columns: 1fr 1fr; margin: 6px 0 32px; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.t-why { padding: 18px 28px 2px 0; }
.t-catch { padding: 18px 0 2px 28px; border-left: 1px solid var(--rule); }
.prose .t-account h4 { margin: 0 0 8px; font: 500 13px/1.45 var(--sans); letter-spacing: 0.08em; text-transform: uppercase; }
.t-why h4 { color: var(--forest); }
.t-catch h4 { color: var(--burgundy); }
.prose .t-account p { margin: 0 0 16px; font-size: 17px; line-height: 1.7; }
@media (max-width: 600px) {
  .t-account { grid-template-columns: 1fr; }
  .t-why { padding-right: 0; }
  .t-catch { padding-left: 0; border-left: 0; border-top: 1px solid var(--rule); }
}

.bonus { margin: 0 0 1.15em; }
.bonus dt { margin: 1.3em 0 0.25em; font: 400 21px/1.4 var(--serif); }
.bonus dt:first-child { margin-top: 0; }
.bonus dd { margin: 0; }

.faq { margin: 0 0 2em; border-bottom: 1px solid var(--rule); }
.faq details { border-top: 1px solid var(--rule); }
.faq summary { display: flex; align-items: center; gap: 20px; min-height: 56px; padding: 10px 0; font: 400 19px/1.45 var(--serif); cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: 0 0 auto; margin-left: auto; font: 400 22px/1 var(--sans); color: var(--forest); }
.faq details[open] > summary::after { content: "\2212"; }
.faq details p { margin: 0 0 20px; max-width: 34em; font: 400 18px/1.7 var(--serif); }

/* Tables. On phones, tables marked .stack become labelled blocks so no column is hidden. */
.table-wrap { overflow-x: auto; margin: 8px 0 14px; }
.data { width: 100%; border-collapse: collapse; font: 400 14.5px/1.5 var(--sans); }
.data th, .data td { padding: 12px 16px 12px 0; text-align: left; vertical-align: top; border-bottom: 1px solid var(--rule); }
.data th:last-child, .data td:last-child { padding-right: 0; }
.data thead th { padding-top: 0; padding-bottom: 10px; font-size: 13px; font-weight: 500; letter-spacing: 0.04em; color: var(--muted); border-bottom-color: var(--muted); }
.data tbody th { font-weight: 500; }
.data .num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.data .note-cell { font: 400 15.5px/1.5 var(--serif); }
.data.compare { min-width: 640px; }
.data.choose { min-width: 520px; }
.data tfoot th, .data tfoot td { font-weight: 500; border-bottom: 0; }
@media (max-width: 600px) {
  .stack { display: block; min-width: 0 !important; }
  .stack thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .stack tbody, .stack tfoot, .stack th, .stack td { display: block; width: auto !important; }
  .stack tr { display: flex; flex-direction: column; padding: 14px 0; border-bottom: 1px solid var(--rule); }
  .stack tbody tr:first-child { border-top: 1px solid var(--muted); }
  .stack th[scope="row"] { order: -1; padding-bottom: 6px !important; font: 400 19px/1.4 var(--serif); }
  .stack th, .stack td { padding: 3px 0 !important; border: 0 !important; text-align: left !important; white-space: normal !important; }
  .stack td[data-label]::before { content: attr(data-label) ": "; font: 500 13px/1.5 var(--sans); letter-spacing: 0.02em; color: var(--muted); }
  .stack td:empty { display: none; }
}

.article-end { margin: 56px 0 0; padding-top: 28px; max-width: var(--read); border-top: 1px solid var(--rule); }
.share { display: flex; flex-wrap: wrap; align-items: center; gap: 0 28px; margin-bottom: 24px; }
.share .kicker { flex-basis: 100%; margin: 0; }
.share [role="status"] { font: 400 14px/1.5 var(--sans); color: var(--muted); }
.author-note p { margin: 0 0 4px; max-width: 34em; font: 400 18px/1.65 var(--serif); }
.after-article { padding: 64px 0 72px; }
.after-article .subscribe { max-width: var(--read); border-bottom: 0; padding-bottom: 0; }
.read-next { padding-bottom: 72px; }

/* About */
.portrait { margin: 0 0 32px; max-width: 200px; }
.portrait img { display: block; width: 100%; aspect-ratio: 4 / 5; object-fit: cover; }
@media (min-width: 960px) { .portrait { grid-column: 1; grid-row: 1; margin: 6px 0 0; } }
.page-intro p { margin: 0 0 16px; max-width: 34em; font: 400 20px/1.65 var(--serif); }
.services { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px 40px; margin: 0; }
.services div { padding-top: 16px; border-top: 1px solid var(--rule); }
.services dt { margin: 0 0 8px; font: 400 21px/1.35 var(--serif); }
.services dd { margin: 0; font: 400 17px/1.65 var(--serif); }
.link-list { margin: 0; padding: 0; list-style: none; }
.link-list li { padding: 18px 0; border-top: 1px solid var(--rule); }
.link-list li:last-child { border-bottom: 1px solid var(--rule); }
.link-list a { font: 400 21px/1.4 var(--serif); }
.link-list p:not(.meta) { margin: 4px 0 0; max-width: 34em; font: 400 15px/1.6 var(--sans); color: var(--muted); }
.link-list .meta { margin-top: 2px; }
.steps { margin: 0 0 24px; padding-left: 1.4em; font: 400 18px/1.7 var(--serif); }
.steps li { margin: 0 0 14px; padding-left: 6px; }
.steps li::marker { font: 500 15px/1 var(--sans); color: var(--muted); }
.steps strong { font-weight: 600; }
.testimonial { margin: 32px 0 0; padding: 0 0 0 24px; max-width: 34em; border-left: 1px solid var(--rule); font: italic 400 19px/1.65 var(--serif); }
.contact-email { display: inline-block; max-width: 100%; margin-top: 4px; font: 400 clamp(23px, 1.4vw + 16px, 32px)/1.35 var(--serif); overflow-wrap: anywhere; }

/* Starter Kit */
.sequence { margin: 0; padding: 0; list-style: none; }
.sequence li { display: grid; grid-template-columns: 88px minmax(0, 1fr); gap: 2px 24px; padding: 16px 0; border-top: 1px solid var(--rule); }
.sequence li:last-child { border-bottom: 1px solid var(--rule); }
.sequence .day { grid-row: span 2; padding-top: 4px; font: 500 14px/1.5 var(--sans); color: var(--muted); }
.sequence .title { font: 400 20px/1.4 var(--serif); }
.sequence .job { font: 400 16px/1.6 var(--sans); color: var(--muted); }
.for-not { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 32px 56px; }
.for-not h2 { margin: 0 0 12px; font: 400 23px/1.35 var(--serif); }

@media (max-width: 640px) {
  .intro { padding: 36px 0 36px; }
  .feature { padding: 32px 0 40px; }
  .feature-preview { font-size: 18px; }
  .subscribe { padding: 32px 0; }
  .series { padding: 40px 0 44px; }
  .pairs td { font-size: 18px; }
  .more { padding: 32px 0 48px; }
  .page-head { padding: 36px 0 36px; }
  .section { padding-bottom: 48px; }
  .article-head { padding: 32px 0 32px; }
  .dek { font-size: 19px; }
  .prose, .page-content { font-size: 18px; }
  .page-lede, .page-intro p { font-size: 19px; }
  .after-article { padding: 48px 0 56px; }
  .subscribe-action { width: 100%; }
  .subscribe-action .button { width: 100%; }
}

@media print {
  .site-nav, .skip-link, .toc, .toc-mobile, .subscribe, .share, .after-article { display: none !important; }
  .masthead { padding-top: 0; }
}