/* ytmoneycalculators.com — ledger theme */
:root{
  --paper:#FCFCFA;
  --panel:#FFFFFF;
  --ink:#22262D;
  --muted:#6A6F76;
  --line:#E4E2DB;
  --red:#C0281E;
  --red-dark:#9A1F17;
  --green:#137547;
  --green-soft:#EAF4EE;
  --wash:#F4F3EE;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{font-family:'Archivo',system-ui,sans-serif;background:var(--paper);color:var(--ink);line-height:1.6;font-size:16px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--red);outline-offset:2px}

/* announcement bar */
.announce{background:var(--ink);color:#fff}
.announce-inner{display:flex;align-items:center;gap:12px;padding:10px 20px;font-size:.88rem;flex-wrap:wrap}
.announce-chip{background:#fff;color:var(--red);font-weight:800;font-size:.78rem;padding:2px 8px;border-radius:4px;white-space:nowrap}
.announce-link{color:#fff;font-weight:600;transition:opacity .3s}
.announce-link:hover{color:#FFD9D6;text-decoration:underline}

/* header */
.site-head{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.head-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:800;font-size:1.05rem}
.brand:hover{text-decoration:none}
.brand-mark{background:var(--red);color:#fff;font-weight:900;padding:4px 8px;border-radius:6px;font-size:.95rem;letter-spacing:.02em}
.main-nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap}
.nav-link{font:inherit;font-weight:600;font-size:.93rem;color:var(--ink);background:none;border:0;padding:8px 12px;border-radius:8px;cursor:pointer}
.nav-link:hover{background:var(--wash);text-decoration:none}
.nav-cta{background:var(--red);color:#fff;font-weight:700;font-size:.93rem;padding:9px 16px;border-radius:8px;margin-left:6px}
.nav-cta:hover{background:var(--red-dark);text-decoration:none}
.nav-quiet{color:var(--muted)}

/* hero badge + meta */
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--panel);border:1px solid var(--line);border-radius:999px;padding:7px 16px;font-weight:750;font-size:.88rem;color:var(--red);margin-bottom:20px;box-shadow:0 3px 10px rgba(34,38,45,.06)}
.hero-badge::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--green)}
.hero-meta{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.9rem;margin-bottom:18px;flex-wrap:wrap}
.hero-meta .avatar{width:30px;height:30px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;font-size:.8rem;display:inline-flex;align-items:center;justify-content:center}
.hero-meta .sep{color:var(--line)}

/* tool tile grid (hero right) */
.tile-wrap{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:14px;box-shadow:0 16px 40px rgba(34,38,45,.12)}
.tile-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.tile{aspect-ratio:1.35/1;border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;font-weight:850;letter-spacing:-.01em;border:1px solid var(--line);color:var(--ink);transition:transform .15s}
.tile:hover{transform:scale(1.04);text-decoration:none}
.tile .t-big{font-size:1.35rem;line-height:1}
.tile .t-sm{font-size:.62rem;font-weight:650;letter-spacing:.05em;text-transform:uppercase;opacity:.75}
.tile-ink{background:var(--ink);color:#fff;border-color:var(--ink)}
.tile-red{background:var(--red);color:#fff;border-color:var(--red)}
.tile-green{background:var(--green);color:#fff;border-color:var(--green)}
.tile-soft{background:var(--green-soft);color:var(--green)}
.tile-wash{background:var(--wash)}
.tile-paper{background:var(--panel)}
.nav-drop{position:relative}
.drop-menu{display:none;position:absolute;top:100%;left:0;background:var(--panel);border:1px solid var(--line);border-radius:10px;min-width:230px;padding:8px;box-shadow:0 12px 28px rgba(34,38,45,.12)}
.nav-drop:hover .drop-menu,.nav-drop:focus-within .drop-menu{display:block}
.drop-menu a{display:block;color:var(--ink);font-size:.92rem;padding:8px 12px;border-radius:6px}
.drop-menu a:hover{background:var(--wash);text-decoration:none}

/* hero */
.hero{padding:56px 0 44px;border-bottom:1px solid var(--line);background:
  radial-gradient(700px 340px at 85% 0%, rgba(19,117,71,.06), transparent 70%),
  radial-gradient(600px 300px at 0% 100%, rgba(192,40,30,.05), transparent 70%),
  var(--paper)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:start}
.hero h1{font-size:clamp(1.9rem,4.2vw,3rem);line-height:1.12;font-weight:850;font-stretch:95%;letter-spacing:-.015em;margin-bottom:18px}
.hero p.lead{font-size:1.08rem;color:var(--muted);max-width:34em;margin-bottom:26px}
.hero-links{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--red);color:#fff;font-weight:700;padding:12px 22px;border-radius:9px;border:0;font:inherit;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--red-dark);text-decoration:none}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn-ghost:hover{background:var(--wash);color:var(--ink)}

/* calculator card */
.calc-card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 10px 30px rgba(34,38,45,.07)}
.calc-card h2{font-size:1.05rem;font-weight:750;margin-bottom:16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:650;font-size:.88rem;margin-bottom:6px}
.field input,.field select{width:100%;font:inherit;padding:11px 12px;border:1.5px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}
.field .hint{font-size:.8rem;color:var(--muted);margin-top:4px}
.result{background:var(--green-soft);border:1px solid #CBE3D3;border-radius:10px;padding:18px 20px;margin-top:6px}
.result .r-label{font-size:.82rem;font-weight:650;color:var(--green)}
.result .r-big{font-size:2.3rem;font-weight:850;color:var(--green);font-variant-numeric:tabular-nums;line-height:1.15}
.result .r-sub{font-size:.88rem;color:var(--muted);margin-top:4px}
.r-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:12px}
.r-row div{flex:1;min-width:90px}
.r-row .k{font-size:.78rem;color:var(--muted)}
.r-row .v{font-weight:750;font-variant-numeric:tabular-nums;font-size:1.05rem}

/* stat band */
.stat-band{border-bottom:1px solid var(--line);background:var(--panel)}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stat-grid>div{padding:20px 18px;border-left:1px solid var(--line)}
.stat-grid>div:first-child{border-left:0}
.stat-grid .n{font-size:1.5rem;font-weight:850;font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.stat-grid .n.green{color:var(--green)}
.stat-grid .l{font-size:.82rem;color:var(--muted);margin-top:2px}

/* sections */
.section{padding:52px 0;border-bottom:1px solid var(--line)}
.section:last-of-type{border-bottom:0}
.section-alt{background:var(--wash)}
.bg-mint{background:#EFF6F1}
.bg-blush{background:#FAF1EF}
.bg-sand{background:#F7F5EE}
.section h2{font-size:clamp(1.4rem,2.6vw,1.9rem);font-weight:800;letter-spacing:-.01em;margin-bottom:10px}
.section .sub{color:var(--muted);max-width:44em;margin-bottom:26px}
.prose{max-width:46em}
.prose p{margin-bottom:16px}
.prose h2{margin-top:34px}
.prose h3{font-size:1.12rem;font-weight:750;margin:26px 0 10px}
.prose ul,.prose ol{margin:0 0 16px 22px}
.prose li{margin-bottom:6px}

/* ledger tables */
.ledger{width:100%;border-collapse:collapse;background:var(--panel);border:1px solid var(--line);border-radius:12px;overflow:hidden;font-variant-numeric:tabular-nums}
.ledger caption{caption-side:top;text-align:left;font-weight:750;padding:0 0 10px;font-size:1.02rem}
.ledger th{background:var(--wash);text-align:left;font-size:.82rem;font-weight:700;padding:11px 14px;border-bottom:1px solid var(--line)}
.ledger td{padding:11px 14px;border-bottom:1px solid var(--line);font-size:.94rem}
.ledger tbody tr:nth-child(even) td{background:#FAFAF7}
.ledger tr:last-child td{border-bottom:0}
.ledger td:first-child{font-weight:600}
.ledger td.money{color:var(--green);font-weight:700}
.table-scroll{overflow-x:auto;margin-bottom:10px}
.tnote{font-size:.82rem;color:var(--muted);margin-top:10px}

/* card grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.tool-card{background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:20px;display:block;color:var(--ink);transition:border-color .15s,box-shadow .15s,transform .15s}
.tool-card:hover{text-decoration:none;border-color:var(--red);box-shadow:0 10px 24px rgba(34,38,45,.09);transform:translateY(-2px)}
.kicker{display:inline-block;font-size:.7rem;font-weight:750;letter-spacing:.04em;color:var(--green);background:var(--green-soft);border:1px solid #CBE3D3;border-radius:999px;padding:3px 10px;margin-bottom:10px}
.kicker.red{color:var(--red);background:#FBEAE8;border-color:#F0CFCC}
.tool-card h3{font-size:1.02rem;font-weight:750;margin-bottom:8px}
.tool-card p{font-size:.9rem;color:var(--muted)}
.tool-card .go{display:inline-block;margin-top:12px;color:var(--red);font-weight:700;font-size:.88rem}

/* FAQ */
.faq details{background:var(--panel);border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;font-weight:700;padding:15px 18px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--red);font-weight:800}
.faq details[open] summary::after{content:"\2212"}
.faq .faq-body{padding:0 18px 16px;color:var(--muted)}

/* article images + post cards */
.article-hero-img{width:100%;max-width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;border-radius:14px;border:1px solid var(--line);margin:6px 0 10px;display:block}
.post-card{background:var(--panel);border:1px solid var(--line);border-radius:12px;overflow:hidden;display:block;color:var(--ink);transition:border-color .15s,box-shadow .15s,transform .15s}
.post-card:hover{text-decoration:none;border-color:var(--red);box-shadow:0 10px 24px rgba(34,38,45,.09);transform:translateY(-2px)}
.post-card img{width:100%;max-width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;display:block;border-bottom:1px solid var(--line)}
.post-body{padding:16px 18px 18px}
.post-body h3{font-size:1.02rem;font-weight:750;margin:8px 0 8px}
.post-body p{font-size:.9rem;color:var(--muted)}
.post-body .go{display:inline-block;margin-top:10px;color:var(--red);font-weight:700;font-size:.88rem}

/* article */
.article-head{padding:48px 0 8px}
.article-head h1{font-size:clamp(1.7rem,3.6vw,2.5rem);font-weight:850;letter-spacing:-.015em;line-height:1.15;max-width:24em}
.article-meta{color:var(--muted);font-size:.88rem;margin-top:12px}
.callout{background:var(--wash);border-left:4px solid var(--red);padding:16px 18px;border-radius:0 10px 10px 0;margin:22px 0;font-size:.95rem}

/* footer */
.site-foot{background:var(--ink);color:#C9CCD1;margin-top:56px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;padding-top:44px;padding-bottom:30px}
.foot-brand{color:#fff;margin-bottom:12px}
.foot-about p{font-size:.86rem;line-height:1.65}
.site-foot h3{color:#fff;font-size:.85rem;font-weight:750;margin-bottom:12px}
.site-foot a{display:block;color:#C9CCD1;font-size:.88rem;margin-bottom:8px}
.site-foot a:hover{color:#fff}
.foot-brand{display:inline-flex}
.foot-base{border-top:1px solid rgba(255,255,255,.14);padding-top:18px;padding-bottom:24px}
.foot-base p{font-size:.8rem;color:#9A9EA5}

img{max-width:100%;height:auto}
@media(max-width:860px){
  .article-hero-img{border-radius:10px;margin:2px 0 6px}
  .post-body{padding:14px 14px 16px}
  .hero-grid,.grid-3,.grid-2,.foot-grid{grid-template-columns:1fr}
  .stat-grid{grid-template-columns:1fr 1fr}
  .stat-grid>div{border-left:0;border-top:1px solid var(--line)}
  .stat-grid>div:nth-child(-n+2){border-top:0}
  .hero{padding:36px 0 30px}
  .main-nav{width:100%;justify-content:flex-start}
}