/* ===== WealthWiseDaily — Main Stylesheet ===== */
:root {
  --navy: #0B1F3A;
  --navy-mid: #142848;
  --gold: #C9933A;
  --gold-light: #E8B45A;
  --cream: #F9F5EF;
  --cream-dark: #EDE8DF;
  --text: #1A1A2E;
  --text-muted: #5A6070;
  --white: #FFFFFF;
  --border: #DDD8CF;
  --red-accent: #C0392B;
  --green-accent: #1E7A4A;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Source Sans 3', sans-serif; background: var(--cream); color: var(--text); font-size: 16px; line-height: 1.6; }

/* TICKER */
.ticker-bar { background: var(--navy); color: rgba(255,255,255,0.7); font-size: 12px; font-weight: 500; letter-spacing: 0.04em; padding: 6px 0; overflow: hidden; white-space: nowrap; }
.ticker-inner { display: inline-block; animation: ticker 30s linear infinite; }
.ticker-item { display: inline-block; margin: 0 40px; }
.ticker-item span { color: var(--gold-light); margin-left: 6px; }
.ticker-item .up { color: #4ade80; }
.ticker-item .down { color: #f87171; }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* HEADER */
header { background: var(--white); border-bottom: 3px solid var(--navy); position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 20px rgba(0,0,0,0.08); }
.header-top { display: flex; align-items: center; justify-content: space-between; max-width: 1200px; margin: 0 auto; padding: 14px 24px; }
.logo { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 900; color: var(--navy); text-decoration: none; letter-spacing: -0.5px; }
.logo span { color: var(--gold); }
.header-tagline { font-size: 11px; color: var(--text-muted); letter-spacing: 0.08em; text-transform: uppercase; margin-top: 1px; }
.btn-newsletter { background: var(--gold); color: var(--white); border: none; padding: 9px 20px; font-family: 'Source Sans 3', sans-serif; font-size: 13px; font-weight: 600; cursor: pointer; letter-spacing: 0.04em; text-transform: uppercase; transition: background 0.2s; }
.btn-newsletter:hover { background: var(--gold-light); }
nav { border-top: 1px solid var(--border); background: var(--navy); }
.nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; }
nav a { color: rgba(255,255,255,0.8); text-decoration: none; font-size: 13px; font-weight: 500; letter-spacing: 0.06em; text-transform: uppercase; padding: 12px 18px; display: block; transition: all 0.2s; position: relative; }
nav a:hover, nav a.active { color: var(--gold-light); background: rgba(255,255,255,0.05); }
nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: var(--gold); }

/* HERO */
.hero { max-width: 1200px; margin: 32px auto; padding: 0 24px; display: grid; grid-template-columns: 2fr 1fr; gap: 2px; }
.hero-main { position: relative; overflow: hidden; background: var(--navy); min-height: 420px; display: flex; flex-direction: column; justify-content: flex-end; padding: 32px; cursor: pointer; transition: transform 0.3s; }
.hero-main:hover { transform: scale(1.005); }
.hero-bg { position: absolute; inset: 0; background: linear-gradient(135deg, #0B1F3A 0%, #1A3A5C 50%, #0D2640 100%); }
.hero-pattern { position: absolute; inset: 0; opacity: 0.06; background-image: repeating-linear-gradient(45deg, transparent, transparent 20px, rgba(201,147,58,1) 20px, rgba(201,147,58,1) 21px); }
.hero-dollar { position: absolute; top: 24px; right: 32px; font-family: 'Playfair Display', serif; font-size: 180px; font-weight: 900; color: rgba(201,147,58,0.08); line-height: 1; user-select: none; }
.hero-content { position: relative; z-index: 1; }
.hero-tag { display: inline-block; background: var(--gold); color: var(--white); font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 4px 12px; margin-bottom: 14px; }
.hero-title { font-family: 'Playfair Display', serif; font-size: 34px; font-weight: 700; color: var(--white); line-height: 1.2; margin-bottom: 12px; }
.hero-excerpt { color: rgba(255,255,255,0.65); font-size: 15px; line-height: 1.6; margin-bottom: 20px; max-width: 560px; }
.hero-meta { display: flex; align-items: center; gap: 16px; color: rgba(255,255,255,0.45); font-size: 12px; letter-spacing: 0.04em; }
.hero-meta strong { color: var(--gold-light); }
.hero-side { display: flex; flex-direction: column; gap: 2px; }
.hero-side-card { background: var(--white); padding: 22px; flex: 1; border-left: 4px solid var(--gold); cursor: pointer; transition: background 0.2s; }
.hero-side-card:hover { background: #fdfbf8; }
.hero-side-tag { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 8px; }
.hero-side-title { font-family: 'Playfair Display', serif; font-size: 17px; font-weight: 600; color: var(--navy); line-height: 1.3; margin-bottom: 8px; }
.hero-side-meta { font-size: 11px; color: var(--text-muted); }

/* SECTION HEADERS */
.section-header { max-width: 1200px; margin: 40px auto 20px; padding: 0 24px; display: flex; align-items: center; gap: 16px; }
.section-header h2 { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--navy); white-space: nowrap; }
.section-line { flex: 1; height: 1px; background: linear-gradient(to right, var(--border), transparent); }
.section-link { font-size: 12px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--gold); text-decoration: none; white-space: nowrap; }
.section-link:hover { color: var(--navy); }

/* ARTICLE GRID */
.article-grid { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card { background: var(--white); border-bottom: 3px solid transparent; cursor: pointer; transition: all 0.25s; overflow: hidden; text-decoration: none; display: block; color: inherit; }
.article-card:hover { border-bottom-color: var(--gold); transform: translateY(-3px); box-shadow: 0 8px 30px rgba(0,0,0,0.1); }
.card-img { height: 180px; background: var(--navy-mid); position: relative; overflow: hidden; display: flex; align-items: center; justify-content: center; }
.card-img-icon { font-size: 60px; opacity: 0.2; user-select: none; }
.card-img-overlay { position: absolute; inset: 0; display: flex; align-items: flex-end; padding: 14px; }
.card-tag { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 3px 8px; color: var(--white); }
.card-tag.finance { background: var(--gold); }
.card-tag.insurance { background: #2563EB; }
.card-tag.investing { background: var(--green-accent); }
.card-tag.credit { background: var(--red-accent); }
.card-tag.loans { background: #7C3AED; }
.card-tag.savings { background: #0891B2; }
.card-tag.retirement { background: #065F46; }
.card-tag.taxes { background: #92400E; }
.card-body { padding: 18px 20px 20px; }
.card-title { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600; color: var(--navy); line-height: 1.3; margin-bottom: 10px; }
.card-excerpt { font-size: 14px; color: var(--text-muted); line-height: 1.6; margin-bottom: 14px; }
.card-meta { display: flex; justify-content: space-between; align-items: center; font-size: 11px; color: var(--text-muted); border-top: 1px solid var(--border); padding-top: 12px; }
.card-read-time { font-weight: 600; color: var(--gold); }

/* FEATURE STRIP */
.feature-strip { background: var(--navy); margin: 48px 0; padding: 48px 0; }
.feature-strip-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.feature-strip h2 { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 16px; }
.feature-strip h2 em { color: var(--gold-light); font-style: normal; }
.feature-strip p { color: rgba(255,255,255,0.65); font-size: 15px; line-height: 1.7; margin-bottom: 24px; }
.feature-strip-list { list-style: none; margin-bottom: 28px; }
.feature-strip-list li { color: rgba(255,255,255,0.75); font-size: 14px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.1); display: flex; align-items: center; gap: 10px; }
.feature-strip-list li::before { content: '✓'; color: var(--gold-light); font-weight: 700; }
.btn-primary { background: var(--gold); color: var(--white); border: none; padding: 14px 32px; font-family: 'Source Sans 3', sans-serif; font-size: 14px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; cursor: pointer; transition: background 0.2s; text-decoration: none; display: inline-block; }
.btn-primary:hover { background: var(--gold-light); }

/* RATES WIDGET */
.rates-widget { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); padding: 28px; }
.rates-title { font-family: 'Playfair Display', serif; font-size: 18px; color: var(--gold-light); margin-bottom: 20px; padding-bottom: 12px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.rate-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.07); }
.rate-label { font-size: 13px; color: rgba(255,255,255,0.65); }
.rate-value { font-size: 18px; font-weight: 600; color: var(--white); font-family: 'Playfair Display', serif; }
.rate-change { font-size: 11px; padding: 2px 6px; font-weight: 600; }
.rate-up { background: rgba(74,222,128,0.15); color: #4ade80; }
.rate-down { background: rgba(248,113,113,0.15); color: #f87171; }

/* TWO COL */
.two-col { max-width: 1200px; margin: 0 auto 48px; padding: 0 24px; display: grid; grid-template-columns: 2fr 1fr; gap: 40px; }

/* LIST ARTICLES */
.list-article { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--border); cursor: pointer; transition: opacity 0.2s; text-decoration: none; color: inherit; }
.list-article:hover { opacity: 0.75; }
.list-article:last-child { border-bottom: none; }
.list-num { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 900; color: var(--cream-dark); line-height: 1; min-width: 40px; user-select: none; }
.list-tag { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
.list-title { font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 600; color: var(--navy); line-height: 1.3; margin-bottom: 5px; }
.list-meta { font-size: 11px; color: var(--text-muted); }

/* SIDEBAR */
.sidebar-widget { background: var(--white); padding: 22px; margin-bottom: 24px; border-top: 3px solid var(--navy); }
.sidebar-title { font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 16px; padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.newsletter-widget { background: var(--navy); padding: 24px; margin-bottom: 24px; }
.newsletter-widget .sidebar-title { color: var(--gold-light); border-color: rgba(255,255,255,0.1); }
.newsletter-widget p { font-size: 13px; color: rgba(255,255,255,0.6); margin-bottom: 14px; line-height: 1.6; }
.newsletter-input { width: 100%; padding: 10px 14px; font-family: 'Source Sans 3', sans-serif; font-size: 13px; border: 1px solid rgba(255,255,255,0.2); background: rgba(255,255,255,0.08); color: var(--white); margin-bottom: 8px; outline: none; }
.newsletter-input::placeholder { color: rgba(255,255,255,0.3); }
.newsletter-input:focus { border-color: var(--gold); }
.btn-sub { width: 100%; background: var(--gold); color: var(--white); border: none; padding: 10px; font-family: 'Source Sans 3', sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; cursor: pointer; transition: background 0.2s; }
.btn-sub:hover { background: var(--gold-light); }

/* CALCULATOR */
.calc-row { margin-bottom: 12px; }
.calc-row label { font-size: 12px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.04em; display: block; margin-bottom: 4px; }
.calc-row input { width: 100%; padding: 8px 12px; font-size: 14px; border: 1px solid var(--border); background: var(--cream); color: var(--text); outline: none; font-family: 'Source Sans 3', sans-serif; }
.calc-row input:focus { border-color: var(--gold); }
.calc-result { background: var(--navy); color: var(--gold-light); padding: 14px; text-align: center; margin-top: 12px; }
.calc-result-label { font-size: 11px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.06em; }
.calc-result-val { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700; }

/* TAG CLOUD */
.tag-cloud { display: flex; flex-wrap: wrap; gap: 8px; }
.tag-pill { background: var(--cream); border: 1px solid var(--border); color: var(--text-muted); font-size: 12px; font-weight: 500; padding: 5px 12px; cursor: pointer; transition: all 0.2s; text-decoration: none; display: inline-block; }
.tag-pill:hover { background: var(--navy); color: var(--gold-light); border-color: var(--navy); }

/* AD PLACEHOLDERS */
.ad-placeholder { background: var(--cream-dark); border: 2px dashed var(--border); display: flex; flex-direction: column; align-items: center; justify-content: center; color: var(--text-muted); font-size: 12px; letter-spacing: 0.05em; text-transform: uppercase; }
.ad-placeholder span { font-size: 10px; opacity: 0.6; margin-top: 4px; }
.ad-leaderboard { height: 90px; }
.ad-rectangle { height: 250px; }
.ad-bar { height: 60px; margin: 24px auto; max-width: 1200px; padding: 0 24px; }

/* ARTICLE PAGE */
.article-page { max-width: 1200px; margin: 0 auto; padding: 32px 24px; display: grid; grid-template-columns: 1fr 320px; gap: 48px; }
.article-full h1 { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 900; color: var(--navy); line-height: 1.2; margin-bottom: 16px; }
.article-full .meta-bar { display: flex; gap: 20px; font-size: 13px; color: var(--text-muted); margin-bottom: 28px; padding-bottom: 20px; border-bottom: 2px solid var(--cream-dark); flex-wrap: wrap; }
.article-full .meta-bar strong { color: var(--gold); }
.article-full h2 { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700; color: var(--navy); margin: 32px 0 12px; }
.article-full h3 { font-size: 18px; font-weight: 600; color: var(--navy-mid); margin: 20px 0 8px; }
.article-full p { font-size: 16px; color: #3A3A4A; margin-bottom: 16px; line-height: 1.8; }
.article-full ul, .article-full ol { margin: 12px 0 16px 24px; }
.article-full li { font-size: 16px; color: #3A3A4A; margin-bottom: 6px; line-height: 1.7; }
.article-full .callout { background: #FFF8EE; border-left: 4px solid var(--gold); padding: 16px 20px; border-radius: 0 8px 8px 0; margin: 20px 0; }
.article-full table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 14px; }
.article-full th { background: var(--navy); color: var(--gold-light); padding: 10px 14px; text-align: left; }
.article-full td { padding: 9px 14px; border-bottom: 1px solid var(--cream-dark); color: #3A3A4A; }
.article-full tr:nth-child(even) td { background: var(--cream); }

/* FOOTER */
footer { background: var(--navy); color: rgba(255,255,255,0.6); padding: 48px 0 0; margin-top: 48px; }
.footer-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px 40px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand p { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,0.5); margin-top: 12px; }
.footer-col h4 { font-family: 'Playfair Display', serif; font-size: 15px; color: var(--gold-light); margin-bottom: 14px; }
.footer-col a { display: block; color: rgba(255,255,255,0.5); text-decoration: none; font-size: 13px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom { text-align: center; padding: 16px 24px; font-size: 11px; color: rgba(255,255,255,0.3); letter-spacing: 0.04em; }
.footer-bottom strong { color: rgba(255,255,255,0.5); }

/* PAGES */
.page-hero { background: var(--navy); padding: 60px 24px; text-align: center; }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: 42px; font-weight: 900; color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.6); font-size: 16px; max-width: 500px; margin: 0 auto; }
.page-content { max-width: 800px; margin: 48px auto; padding: 0 24px; }
.page-content h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 32px 0 12px; }
.page-content p { font-size: 16px; color: #3A3A4A; line-height: 1.8; margin-bottom: 16px; }
.page-content ul { margin: 12px 0 16px 24px; }
.page-content li { font-size: 16px; color: #3A3A4A; margin-bottom: 6px; }
.contact-form { background: var(--white); padding: 32px; border-top: 3px solid var(--navy); margin-top: 32px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 6px; }
.form-group input, .form-group textarea, .form-group select { width: 100%; padding: 10px 14px; font-family: 'Source Sans 3', sans-serif; font-size: 14px; border: 1px solid var(--border); background: var(--cream); color: var(--text); outline: none; transition: border-color 0.2s; }
.form-group input:focus, .form-group textarea:focus { border-color: var(--gold); }
.form-group textarea { height: 120px; resize: vertical; }

/* ANIMATIONS */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.hero-main { animation: fadeUp 0.6s ease both; }
.article-card:nth-child(2) { animation-delay: 0.1s; }
.article-card:nth-child(3) { animation-delay: 0.2s; }

/* RESPONSIVE */
@media(max-width:900px) {
  .hero, .feature-strip-inner, .two-col, .article-page { grid-template-columns: 1fr; }
  .hero-side { display: none; }
  .article-grid { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media(max-width:600px) {
  .article-grid { grid-template-columns: 1fr; }
  .hero-title { font-size: 26px; }
  .nav-inner { overflow-x: auto; }
  .footer-inner { grid-template-columns: 1fr; }
}