/* Dollar Doctrine — shared design system
   Palette: deep navy + warm gold on off-white. System: one CSS file, no images. */
:root{
  --navy:#0b2239; --navy-deep:#071829; --navy-soft:#12314f;
  --gold:#c9a227; --amber:#e7b958; --gold-soft:#f6ecd2;
  --bg:#faf8f4; --card:#ffffff; --ink:#1c2733; --muted:#5a6b7b;
  --line:#e4ddcd; --good:#1e7a4f; --bad:#b03a2e;
  --radius:14px; --shadow:0 2px 10px rgba(11,34,57,.07);
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --font-head:"Fraunces",Georgia,"Times New Roman",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--navy-soft);text-decoration-color:var(--gold);text-underline-offset:3px}
a:hover{color:var(--navy)}
.container{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--font-head);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:2.35rem}
h2{font-size:1.65rem;margin-top:1.6em}
h3{font-size:1.22rem;margin-top:1.3em}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.35em}
li{margin-bottom:.35em}
strong{color:var(--navy)}
.small{font-size:.88rem;color:var(--muted)}
/* Header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(7,24,41,.35)}
.header-inner{display:flex;align-items:center;gap:22px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-family:var(--font-head);font-size:1.35rem;font-weight:700;text-decoration:none;letter-spacing:.2px}
.brand:hover{color:#fff}
.brand-mark{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:var(--gold);color:var(--navy-deep);font-family:var(--font-head);font-weight:900;font-size:1.25rem;flex:none}
.main-nav{display:flex;flex-wrap:wrap;gap:4px 16px;margin-left:auto}
.main-nav a{color:#dbe5ee;text-decoration:none;font-size:.95rem;font-weight:600;padding:6px 2px}
.main-nav a:hover{color:var(--amber)}
/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-soft) 70%,#1a4066 100%);color:#eaf0f6;padding:56px 0 48px}
.hero h1{color:#fff;max-width:22ch}
.hero .lead{font-size:1.18rem;color:#cfdde9;max-width:62ch}
.kicker{display:inline-block;background:rgba(201,162,39,.16);color:var(--amber);border:1px solid rgba(201,162,39,.5);border-radius:999px;padding:4px 14px;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.hero .btn{margin-top:10px}
/* Buttons */
.btn{display:inline-block;background:var(--gold);color:var(--navy-deep);font-weight:700;padding:12px 24px;border-radius:10px;text-decoration:none;border:2px solid var(--gold)}
.btn:hover{background:var(--amber);color:var(--navy-deep)}
.btn-outline{background:transparent;color:#fff;border-color:#8fa9bf}
.btn-outline:hover{background:rgba(255,255,255,.08);color:#fff}
.btn-dark{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-soft);color:#fff}
/* Layout sections */
.section{padding:44px 0}
.section-alt{background:#f3efe4;padding:44px 0}
.prose{max-width:760px}
.prose-wide{max-width:900px}
/* Answer-first box */
.answer-box{background:var(--gold-soft);border-left:5px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;margin:22px 0;font-size:1.05rem}
.answer-box p:last-child{margin-bottom:0}
.answer-box .lbl{display:block;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#8a6d14;margin-bottom:6px}
/* Callout */
.callout{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:22px 0;box-shadow:var(--shadow)}
.callout p:last-child{margin-bottom:0}
/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px;margin:26px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3{margin-top:0}
.card p{color:#37434f;flex:1}
.card .card-link{font-weight:700;text-decoration:none}
.card .card-link:hover{text-decoration:underline}
.card-meta{font-size:.78rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.tag{display:inline-block;background:var(--navy);color:#fff;border-radius:6px;padding:2px 10px;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
/* Stats */
.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin:24px 0}
.stat{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;text-align:left}
.stat .num{display:block;font-family:var(--font-head);font-size:2rem;font-weight:700;color:var(--amber);line-height:1.1}
.stat .lbl{display:block;margin-top:6px;font-size:.9rem;color:#cfdde9}
/* Tables */
.table-wrap{overflow-x:auto;margin:20px 0}
table.data-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:.98rem}
.data-table th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-weight:700}
.data-table td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top}
.data-table tr:nth-child(even) td{background:#fbf9f4}
.data-table td.num,.data-table th.num{text-align:right;font-variant-numeric:tabular-nums}
.data-table .hl td{background:var(--gold-soft);font-weight:700}
/* FAQ */
.faq{margin:26px 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;padding:4px 20px;box-shadow:var(--shadow)}
.faq summary{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:1.08rem;cursor:pointer;padding:12px 0}
.faq details p{padding-bottom:14px;margin:0;color:#37434f}
/* CTA box */
.cta-box{background:var(--navy);border-radius:var(--radius);padding:30px;color:#eaf0f6;margin:34px 0}
.cta-box h2,.cta-box h3{color:#fff;margin-top:0}
.cta-box p{color:#cfdde9}
/* Breadcrumbs + meta */
.crumbs{font-size:.88rem;color:var(--muted);padding:18px 0 0}
.crumbs a{color:var(--muted)}
.article-meta{font-size:.9rem;color:var(--muted);margin-bottom:6px}
.note-line{font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:30px}
/* Hub topic lists (planned topics, no dead links) */
.topic-list{list-style:none;padding:0;margin:18px 0}
.topic-list li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px;box-shadow:var(--shadow)}
.topic-list .t{font-weight:700;color:var(--navy)}
.topic-list .d{display:block;font-size:.92rem;color:var(--muted);margin-top:2px}
.check-list{list-style:none;padding:0}
.check-list li{padding-left:28px;position:relative;margin-bottom:.6em}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:800}
/* Footer */
.site-footer{background:var(--navy-deep);color:#b9c9d8;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px;padding:44px 0 10px}
.footer-col h3{color:#fff;font-size:1.05rem;margin:0 0 12px}
.footer-col ul{list-style:none;padding:0;margin:0}
.footer-col li{margin-bottom:8px}
.footer-col a{color:#b9c9d8;text-decoration:none}
.footer-col a:hover{color:var(--amber)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:18px 0 26px;font-size:.88rem;color:#8fa4b8}
.footer-bottom p{margin:0 0 6px}
/* Responsive */
@media (max-width:720px){
  body{font-size:16px}
  h1{font-size:1.9rem}
  .hero{padding:40px 0 34px}
  .header-inner{gap:10px}
  .main-nav{margin-left:0}
  .section,.section-alt{padding:32px 0}
}