:root {
      --beige:        #f2f0ed;
      --beige-dark:   #e8e6e4;
      --beige-border: #d5d3d1;
      --dark:         #0c0c0c;
      --dark-card:    #141414;
      --dark-border:  rgba(255,255,255,0.09);
      --orange:       #d7263d;
      --blue:         #52acfd;
      --grey:         #666666;
      --white:        #ffffff;
      --muted-dark:   #666666;
      --font-sans:    'DM Sans', system-ui, sans-serif;
      --font-mono:    'IBM Plex Mono', 'Courier New', monospace;
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body { font-family: var(--font-sans); background: var(--beige); color: var(--dark); -webkit-font-smoothing: antialiased; overflow-x: hidden; line-height: 1.5; }
    a { text-decoration: none; color: inherit; }
    img { display: block; max-width: 100%; object-fit: cover; }
    ul { list-style: none; }

    /* Reveal */
    .reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s cubic-bezier(0.16,1,0.3,1), transform 0.6s cubic-bezier(0.16,1,0.3,1); }
    .reveal.visible { opacity: 1; transform: translateY(0); }
    .reveal-delay-1 { transition-delay: 0.08s; }
    .reveal-delay-2 { transition-delay: 0.16s; }
    .reveal-delay-3 { transition-delay: 0.24s; }

    /* Buttons */
    .btn { display: inline-block; font-family: var(--font-mono); font-weight: 700; font-size: 11px; letter-spacing: 0.07em; text-transform: uppercase; padding: 11px 18px; cursor: pointer; border: none; white-space: nowrap; transition: background-color .2s, color .2s; }
    .btn-orange { background: var(--orange); color: var(--white); position: relative; }
    .btn-orange::before { content: ''; position: absolute; inset: -4px; pointer-events: none; background: linear-gradient(var(--dark),var(--dark)) top left/10px 2px no-repeat, linear-gradient(var(--dark),var(--dark)) top left/2px 10px no-repeat, linear-gradient(var(--dark),var(--dark)) top right/10px 2px no-repeat, linear-gradient(var(--dark),var(--dark)) top right/2px 10px no-repeat, linear-gradient(var(--dark),var(--dark)) bottom left/10px 2px no-repeat, linear-gradient(var(--dark),var(--dark)) bottom left/2px 10px no-repeat, linear-gradient(var(--dark),var(--dark)) bottom right/10px 2px no-repeat, linear-gradient(var(--dark),var(--dark)) bottom right/2px 10px no-repeat; }
    .btn-orange:hover { background: var(--dark); color: var(--orange); }
    .btn-blue { background: var(--blue); color: var(--dark); position: relative; }
    .btn-blue::before { content: ''; position: absolute; inset: -4px; pointer-events: none; background: linear-gradient(var(--blue),var(--blue)) top left/10px 2px no-repeat, linear-gradient(var(--blue),var(--blue)) top left/2px 10px no-repeat, linear-gradient(var(--blue),var(--blue)) top right/10px 2px no-repeat, linear-gradient(var(--blue),var(--blue)) top right/2px 10px no-repeat, linear-gradient(var(--blue),var(--blue)) bottom left/10px 2px no-repeat, linear-gradient(var(--blue),var(--blue)) bottom left/2px 10px no-repeat, linear-gradient(var(--blue),var(--blue)) bottom right/10px 2px no-repeat, linear-gradient(var(--blue),var(--blue)) bottom right/2px 10px no-repeat; }
    .btn-blue:hover { background: var(--dark); color: var(--blue); }

    /* Corners */
    .corners { position: absolute; inset: 0; pointer-events: none; z-index: 5; }
    .corners::before, .corners::after, .corners .c3, .corners .c4 { content: ''; position: absolute; width: 8px; height: 8px; }
    .corners::before { top:0; left:0; background:var(--dark); }
    .corners::after  { top:0; right:0; background:var(--dark); }
    .corners .c3     { bottom:0; right:0; background:var(--dark); }
    .corners .c4     { bottom:0; left:0; background:var(--dark); }
    .corners-white::before, .corners-white::after, .corners-white .c3, .corners-white .c4 { background: var(--white); }

    /* BG Circles */
    .bg-watermark { position: absolute; inset: 0; pointer-events: none; overflow: hidden; z-index: 0; }
    .bg-watermark svg { position: absolute; }
    .bg-watermark circle { fill: none; stroke: rgba(0,0,0,0.065); stroke-width: 1; }
    .dark-circles circle { stroke: rgba(255,255,255,0.05); }

    /* Top Chrome */
    .top-chrome { height: 22px; background: var(--dark); display: flex; align-items: center; padding: 0 20px; }
    .chrome-favicon { font-family: var(--font-mono); font-size: 10px; color: #fff; margin-left: 8px; }

    /* Navbar */
    .navbar { position: sticky; top: 0; z-index: 100; background: var(--beige); border-bottom: 1px solid var(--beige-border); transition: box-shadow 0.25s; }
    .navbar.scrolled { box-shadow: 0 1px 16px rgba(0,0,0,0.07); }
    .nav-wrap { display: grid; grid-template-columns: 176px 1fr 176px; align-items: stretch; height: 88px; }
    .nav-logo-cell { display: flex; align-items: center; padding: 0 28px; border-right: 1px solid var(--beige-border); }
    .nav-logo { height: 28px; width: auto; max-width: none; flex-shrink: 0; object-fit: contain; }
    .nav-links { display: flex; align-items: center; gap: 4px; padding: 0 20px; }
    .nav-link { font-family: var(--font-mono); font-size: 13px; line-height: 1; height: 36px; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; padding: 0 11px; border: 1.5px solid var(--beige-border); background: var(--white); color: var(--dark); cursor: pointer; display: flex; align-items: center; gap: 5px; transition: border-color 0.15s; }
    .nav-link:hover { border-color: rgba(0,0,0,0.4); }
    .nav-link.active { border-color: var(--orange); color: var(--orange); }
    .nav-cta-cell { display: flex; align-items: center; justify-content: flex-end; padding: 0 28px; border-left: 1px solid var(--beige-border); }
    .nav-hamburger { display: none; flex-direction: column; justify-content: center; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; margin-right: 16px; }
    .nav-hamburger span { display: block; width: 20px; height: 2px; background: var(--dark); }
    .nav-mobile { display: none; flex-direction: column; border-top: 1px solid var(--beige-border); background: var(--beige); }
    .nav-mobile a { font-family: var(--font-mono); font-size: 12px; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; padding: 14px 24px; border-bottom: 1px solid var(--beige-border); color: var(--dark); }
    .navbar.nav-mobile-open .nav-mobile { display: flex; }

    /* ── Shared article elements ───────────────── */
    .art-tag {
      display: inline-block; font-family: var(--font-mono); font-size: 9px; font-weight: 700;
      letter-spacing: 0.1em; text-transform: uppercase;
      background: var(--orange); color: var(--white);
      padding: 3px 8px; margin-bottom: 10px;
    }
    .art-tag.tag-light { background: var(--beige-dark); color: var(--dark); }
    .art-meta {
      font-family: var(--font-mono); font-size: 9.5px; font-weight: 600;
      letter-spacing: 0.06em; color: var(--grey); text-transform: uppercase;
      display: flex; align-items: center; gap: 8px; margin-top: 10px;
    }
    .art-meta .sep { opacity: 0.4; }
    .section-header {
      display: flex; align-items: center; justify-content: space-between;
      border-bottom: 2px solid var(--dark);
      padding-bottom: 12px; margin-bottom: 28px;
    }
    .section-header h2 {
      font-size: 18px; font-weight: 800; letter-spacing: -0.01em;
    }
    .view-more {
      font-family: var(--font-mono); font-size: 10px; font-weight: 700;
      letter-spacing: 0.07em; text-transform: uppercase;
      color: var(--orange); display: flex; align-items: center; gap: 4px;
    }
    .view-more:hover { color: var(--dark); }

    /* ── Page wrapper ─────────────────────────── */
    .page-wrap { max-width: 1180px; margin: 0 auto; padding: 0 40px; }

    /* ── 1. Hero Featured ─────────────────────── */
    .hero-featured {
      background: var(--dark); position: relative;
      border-bottom: 1px solid var(--beige-border);
    }
    .hero-grid {
      display: grid; grid-template-columns: 1.3fr 1fr;
      min-height: 460px;
    }
    .hero-card {
      position: relative; overflow: hidden; cursor: pointer;
    }
    .hero-card + .hero-card { border-left: 1px solid rgba(255,255,255,0.1); }
    .hero-card img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
    .hero-card:hover img { transform: scale(1.03); }
    .hero-card-overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to top, rgba(0,0,0,0.82) 0%, rgba(0,0,0,0.25) 55%, transparent 100%);
    }
    .hero-card-body {
      position: absolute; bottom: 0; left: 0; right: 0;
      padding: 32px 32px 28px; z-index: 2;
    }
    .hero-card-body .art-tag { margin-bottom: 12px; }
    .hero-headline {
      font-size: 22px; font-weight: 800; letter-spacing: -0.02em;
      line-height: 1.25; color: var(--white); margin-bottom: 14px;
    }
    .hero-card:first-child .hero-headline { font-size: 28px; }
    .hero-card-body .art-meta { color: rgba(255,255,255,0.55); }

    /* ── 2. Breaking ticker ───────────────────── */
    .breaking-bar {
      background: var(--white); border-bottom: 1.5px solid var(--beige-border);
      display: flex; align-items: stretch; overflow: hidden; height: 40px;
    }
    .breaking-label {
      flex-shrink: 0; background: var(--orange); color: var(--white);
      font-family: var(--font-mono); font-size: 10px; font-weight: 700;
      letter-spacing: 0.1em; text-transform: uppercase;
      padding: 0 18px; display: flex; align-items: center;
    }
    .breaking-ticker { overflow: hidden; flex: 1; display: flex; align-items: center; }
    .breaking-track {
      display: flex; gap: 0;
      animation: breakTicker 28s linear infinite;
      white-space: nowrap;
    }
    .breaking-item {
      font-family: var(--font-mono); font-size: 10px; font-weight: 600;
      letter-spacing: 0.04em; color: var(--dark); padding: 0 24px 0 0;
    }
    .breaking-item .bsep { color: var(--orange); margin: 0 10px; opacity: 0.6; }
    @keyframes breakTicker {
      0%   { transform: translateX(0); }
      100% { transform: translateX(-50%); }
    }

    /* ── 3. Latest Articles ───────────────────── */
    .latest-section { padding: 60px 0 48px; }
    .latest-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1px; background: var(--beige-border); border: 1px solid var(--beige-border); }
    .latest-card {
      background: var(--white); padding: 0 0 28px;
      cursor: pointer; transition: background .15s;
    }
    .latest-card:hover { background: var(--beige); }
    .latest-card-img { width: 100%; height: 200px; object-fit: cover; display: block; }
    .latest-card-body { padding: 20px 22px 0; }
    .latest-card-body h3 { font-size: 15px; font-weight: 700; letter-spacing: -0.01em; line-height: 1.4; margin-bottom: 8px; }
    .latest-card-body h3 a:hover { color: var(--orange); }
    .latest-card-body p { font-size: 13px; color: var(--grey); line-height: 1.65; }

    /* ── 4. Trending ──────────────────────────── */
    .trending-section { padding: 48px 0; border-top: 1px solid var(--beige-border); }
    .trending-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 1px; background: var(--beige-border); border: 1px solid var(--beige-border); }
    .trending-main { background: var(--white); position: relative; overflow: hidden; cursor: pointer; min-height: 420px; }
    .trending-main img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
    .trending-main:hover img { transform: scale(1.03); }
    .trending-main-overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.2) 55%, transparent 100%);
    }
    .trending-main-body {
      position: absolute; bottom: 0; left: 0; right: 0;
      padding: 28px 28px 24px; z-index: 2;
    }
    .trending-main-body h3 { font-size: 21px; font-weight: 800; letter-spacing: -0.02em; line-height: 1.25; color: var(--white); margin-bottom: 10px; }
    .trending-main-body p { font-size: 13px; color: rgba(255,255,255,0.6); line-height: 1.6; margin-bottom: 8px; }
    .trending-sidebar { background: var(--white); display: flex; flex-direction: column; }
    .trending-item {
      padding: 20px 22px; border-bottom: 1px solid var(--beige-border);
      display: grid; grid-template-columns: 90px 1fr; gap: 14px; align-items: start;
      cursor: pointer; transition: background .15s;
    }
    .trending-item:last-child { border-bottom: none; }
    .trending-item:hover { background: var(--beige); }
    .trending-item-img { width: 100%; height: 66px; object-fit: cover; }
    .trending-item h4 { font-size: 13px; font-weight: 700; letter-spacing: -0.01em; line-height: 1.4; margin-bottom: 6px; }
    .trending-item h4 a:hover { color: var(--orange); }

    /* ── 5. Categories ────────────────────────── */
    .categories-section { padding: 48px 0; border-top: 1px solid var(--beige-border); }
    .categories-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
    .cat-col {}
    .cat-col-header {
      border-bottom: 2px solid var(--dark); padding-bottom: 10px; margin-bottom: 20px;
      display: flex; align-items: center; justify-content: space-between;
    }
    .cat-col-header h3 { font-size: 14px; font-weight: 800; letter-spacing: -0.01em; }
    .cat-hero-img { width: 100%; height: 180px; object-fit: cover; display: block; margin-bottom: 14px; }
    .cat-hero-title { font-size: 15px; font-weight: 700; letter-spacing: -0.01em; line-height: 1.35; margin-bottom: 8px; }
    .cat-hero-title a:hover { color: var(--orange); }
    .cat-list { margin-top: 18px; border-top: 1px solid var(--beige-border); }
    .cat-list-item {
      display: grid; grid-template-columns: 72px 1fr; gap: 12px; align-items: start;
      padding: 14px 0; border-bottom: 1px solid var(--beige-border);
      cursor: pointer;
    }
    .cat-list-item:last-child { border-bottom: none; }
    .cat-list-img { width: 100%; height: 52px; object-fit: cover; }
    .cat-list-title { font-size: 12px; font-weight: 700; line-height: 1.4; letter-spacing: -0.01em; }
    .cat-list-title a:hover { color: var(--orange); }

    /* ── 6. Articles list ─────────────────────── */
    .articles-section { padding: 48px 0 80px; border-top: 1px solid var(--beige-border); }
    .articles-layout { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }
    .articles-list { display: flex; flex-direction: column; }
    .article-row {
      display: grid; grid-template-columns: 200px 1fr; gap: 20px; align-items: start;
      padding: 24px 0; border-bottom: 1px solid var(--beige-border);
      cursor: pointer;
    }
    .article-row:first-child { padding-top: 0; }
    .article-row:hover .article-row-title { color: var(--orange); }
    .article-row-img { height: 128px; object-fit: cover; width: 100%; }
    .article-row-body {}
    .article-row-title { font-size: 16px; font-weight: 700; letter-spacing: -0.01em; line-height: 1.35; margin-bottom: 8px; transition: color .15s; }
    .article-row-excerpt { font-size: 13px; color: var(--grey); line-height: 1.65; margin-bottom: 10px; }

    /* ── Sidebar ──────────────────────────────── */
    .sidebar { display: flex; flex-direction: column; gap: 32px; }
    .sidebar-widget { background: var(--white); border: 1.5px solid var(--beige-border); }
    .sidebar-widget-header {
      padding: 14px 18px; border-bottom: 1px solid var(--beige-border);
      font-family: var(--font-mono); font-size: 10px; font-weight: 700;
      letter-spacing: 0.1em; text-transform: uppercase; color: var(--dark);
      background: var(--beige-dark);
    }
    .sidebar-widget-body { padding: 18px; }
    .sidebar-art-item {
      display: grid; grid-template-columns: 68px 1fr; gap: 12px; align-items: start;
      padding: 12px 0; border-bottom: 1px solid var(--beige-border); cursor: pointer;
    }
    .sidebar-art-item:last-child { border-bottom: none; padding-bottom: 0; }
    .sidebar-art-img { width: 100%; height: 50px; object-fit: cover; }
    .sidebar-art-title { font-size: 12px; font-weight: 700; line-height: 1.4; letter-spacing: -0.005em; }
    .sidebar-art-title a:hover { color: var(--orange); }
    .sidebar-cta {
      background: var(--dark); padding: 28px 22px; text-align: center;
      position: relative; overflow: hidden;
    }
    .sidebar-cta-eyebrow { font-family: var(--font-mono); font-size: 9px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--orange); margin-bottom: 10px; }
    .sidebar-cta h4 { font-size: 16px; font-weight: 800; color: var(--white); letter-spacing: -0.02em; line-height: 1.3; margin-bottom: 14px; }
    .sidebar-cta p { font-size: 12px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 20px; }
    .sidebar-topic-list { display: flex; flex-direction: column; gap: 0; }
    .sidebar-topic {
      padding: 11px 0; border-bottom: 1px solid var(--beige-border);
      font-family: var(--font-mono); font-size: 10px; font-weight: 700;
      letter-spacing: 0.06em; text-transform: uppercase; color: var(--dark);
      display: flex; align-items: center; justify-content: space-between;
      cursor: pointer; transition: color .15s;
    }
    .sidebar-topic:last-child { border-bottom: none; }
    .sidebar-topic:hover { color: var(--orange); }
    .sidebar-topic-count { font-size: 9px; color: var(--grey); }

    /* ── CTA ──────────────────────────────────── */
    .cta-section { background: var(--dark); padding: 100px 80px; display: flex; align-items: center; justify-content: space-between; gap: 64px; position: relative; overflow: hidden; }
    .cta-logo { margin-bottom: 20px; }
    .cta-logo img { height: 18px; }
    .cta-h2 { font-size: 52px; font-weight: 800; letter-spacing: -0.03em; line-height: 1.1; color: var(--white); margin-bottom: 20px; max-width: 520px; }
    .cta-sub { font-size: 15px; color: rgba(255,255,255,0.5); margin-bottom: 32px; }
    .cta-content { position: relative; z-index: 1; }
    .cta-illo { flex-shrink: 0; width: 170px; position: relative; z-index: 1; }
    .cta-illo img { width: 100%; }

    /* ── Footer ───────────────────────────────── */

    /* ── Placeholder images ───────────────────── */
    .img-ph { background: var(--beige-dark); display: flex; align-items: center; justify-content: center; }
    .img-ph svg { opacity: 0.25; }

    /* ── Responsive ───────────────────────────── */
    @media (max-width: 991px) {
      .page-wrap { padding: 0 24px; }
      .hero-grid { grid-template-columns: 1fr; min-height: auto; }
      .hero-card + .hero-card { border-left: none; border-top: 1px solid rgba(255,255,255,0.1); }
      .hero-card { min-height: 260px; }
      .trending-grid { grid-template-columns: 1fr; }
      .trending-main { min-height: 300px; }
      .categories-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
      .articles-layout { grid-template-columns: 1fr; }
      .sidebar { display: none; }
      .cta-section { padding: 64px 48px; flex-direction: column; }
      .cta-illo { order: -1; width: 100%; max-width: 140px; }
                                  }
    @media (max-width: 767px) {
      .nav-wrap { grid-template-columns: 1fr auto auto; }
      .nav-links { display: none; }
      .nav-cta-cell { display: none; }
      .nav-hamburger { display: flex; }
      .latest-grid { grid-template-columns: 1fr; }
      .categories-grid { grid-template-columns: 1fr; }
      .article-row { grid-template-columns: 120px 1fr; }
                                    .cta-section { padding: 48px 24px; }
      .cta-h2 { font-size: 34px; }
    }

    /* ─── Compliance Badges ─────────────────────── */

/* Nav Login button — enlarged text, box size unchanged (site-wide nav update) */
.nav-cta-cell .btn { font-size: 13px; line-height: 1; height: 39px; padding: 0 18px; display: inline-flex; align-items: center; justify-content: center; }


/* ─── Browse Every Guide — link card to all-guides.html ─── */
.all-index-cta { padding: 8px 0 16px; }
.all-index-card { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; background: var(--dark); color: var(--white); padding: 36px 40px; text-decoration: none; transition: transform 0.15s; }
.all-index-card:hover { transform: translateY(-2px); }
.all-index-card .corners::before, .all-index-card .corners::after, .all-index-card .corners .c3, .all-index-card .corners .c4 { background: var(--white); }
.all-index-eyebrow { font-family: var(--font-mono); font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--orange); }
.all-index-h2 { font-family: var(--font-sans); font-weight: 800; font-size: 26px; letter-spacing: -0.02em; color: var(--white); margin: 8px 0 8px; }
.all-index-sub { font-size: 14.5px; line-height: 1.6; color: rgba(255,255,255,0.7); max-width: 620px; margin: 0; }
.all-index-arrow { font-family: var(--font-mono); font-size: 13px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--white); background: var(--orange); padding: 14px 22px; white-space: nowrap; flex-shrink: 0; }
@media (max-width: 600px) { .all-index-card { padding: 28px 24px; } .all-index-h2 { font-size: 22px; } }

/* Topic/Insights pillar card: .big also has .tcard, whose img{height:140px} was clipping the
   hero to a strip. Higher-specificity rule restores full-card cover. */
.thero .big img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}