/* WhyExplain article template styles. Source: approved article design (compound interest). Replaced tonight by the live page's CSS if they differ. */

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

/* ── HIDE WP THEME ELEMENTS ── */
header.site-header, #site-header, #masthead,
footer.site-footer, #colophon,
.site-header, .site-footer,
.wp-site-blocks > header, .wp-site-blocks > footer { display: none !important; }
body > #wpadminbar { position: fixed !important; }
#primary, #main-content:not(.article-layout), .entry-content, article.hentry,
.wp-block-post-content, .wp-block-group { padding: 0 !important; max-width: none !important; margin: 0 !important; }

/* ── V3 DESIGN TOKENS ── */
:root {
  --hl: #FFD23F;
  --navy: #0B2545;
  --navy2: #334E73;
  --blue: #1A56DB;
  --blue-light: #EEF4FF;
  --blue-border: #DCE6F9;
  --slate: #334155;
  --muted: #475569;
  --light-muted: #64748B;
  --border: #E2E8F0;
  --border2: #B8C6DE;
  --light: #F1F5F9;
  --card-light: #EEF2F7;
  --white: #FFFFFF;
  --bg: #FFFFFF;
  --text: #0B2545;
  --green: #0E7C5A;
  --green-bg: #ECFDF5;
  --green-border: #A7F3D0;
  --purple: #6D28D9;
  --amber: #B45309;
  --amber-bg: #FFFBEB;
  --amber-border: #FDE68A;
  /* Finance category = blue */
  --accent: #1A56DB;
  --accent-bg: #EEF4FF;
  --accent-border: #DCE6F9;
  --accent-dark: #1344C0;
  color-scheme: light;
}
/* Dark mode intentionally disabled — site always displays in light mode */

/* ── BASE ── */
.why-page {
  font-family: 'Source Sans 3', system-ui, sans-serif;
  font-size: 18px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
}
.why-page a { color: var(--blue); text-decoration: none; }
.why-page a:hover { text-decoration: underline; }

/* ── ANNOUNCE BAR ── */
.why-bar { background: var(--hl); color: var(--navy); }
.why-bar-inner {
  max-width: 1240px; margin: 0 auto;
  padding: 10px 24px;
  display: flex; flex-wrap: wrap; gap: 8px 16px;
  align-items: center; justify-content: center;
  font-size: 15px; font-weight: 600; text-align: center;
}
.why-bar-badge {
  background: var(--navy); color: var(--white);
  font-size: 12px; font-weight: 800; letter-spacing: .08em;
  padding: 3px 8px; border-radius: 4px;
}
.why-bar a { color: var(--navy); font-weight: 700; text-decoration: underline; }

/* ── HEADER / NAV ── */
.why-header {
  position: sticky; top: 0; z-index: 200;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 4px rgba(11,37,69,.06);
}
.why-header-inner {
  max-width: 1240px; margin: 0 auto;
  padding: 0 24px;
  display: flex; align-items: center; gap: 32px; height: 64px;
}
.why-logo { display: flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 900; font-size: 22px; text-decoration: none !important; }
.why-logo-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--navy); color: var(--hl);
  font-size: 22px; font-weight: 900;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.why-nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.why-nav a {
  padding: 6px 14px; border-radius: 6px;
  font-size: 15px; font-weight: 600; color: var(--slate);
  text-decoration: none !important; transition: background .15s, color .15s;
}
.why-nav a:hover { background: var(--light); color: var(--navy); }
.why-nav a.active { color: var(--accent); background: var(--accent-bg); }
.btn-newsletter {
  margin-left: 8px; padding: 8px 20px;
  background: var(--blue); color: #fff !important;
  border-radius: 100px; font-size: 15px; font-weight: 700;
  transition: background .15s, transform .1s;
}
.btn-newsletter:hover { background: #1344C0 !important; transform: translateY(-1px); text-decoration: none !important; }
.why-hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 6px; margin-left: auto;
}
.why-hamburger span { width: 24px; height: 2px; background: var(--navy); border-radius: 2px; display: block; }
.why-mobile-nav {
  display: none; flex-direction: column; gap: 4px;
  padding: 16px 24px 20px; background: var(--white);
  border-bottom: 1px solid var(--border);
}
.why-mobile-nav a {
  padding: 10px 14px; border-radius: 8px;
  font-size: 16px; font-weight: 600; color: var(--slate);
  text-decoration: none !important;
}
.why-mobile-nav a:hover { background: var(--light); }

/* ── AFFILIATE DISCLOSURE ── */
.disclosure-bar {
  background: var(--amber-bg);
  border-bottom: 1px solid var(--amber-border);
  padding: 10px 24px;
}
.disclosure-bar-inner {
  max-width: 1240px; margin: 0 auto;
  display: flex; align-items: center; gap: 10px;
  font-size: 13px; color: var(--amber); line-height: 1.4;
}
.disclosure-bar-inner strong { color: var(--amber); font-weight: 700; }
.disclosure-icon { font-size: 16px; flex-shrink: 0; }

/* ── BREADCRUMB ── */
.breadcrumb-wrap {
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 12px 24px;
}
.breadcrumb {
  max-width: 1240px; margin: 0 auto;
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; color: var(--muted); flex-wrap: wrap;
}
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--accent); text-decoration: underline; }
.breadcrumb-sep { color: var(--border2); }
.breadcrumb-current { color: var(--slate); font-weight: 600; }

/* ── ARTICLE LAYOUT ── */
.article-layout {
  max-width: 1240px; margin: 0 auto;
  padding: 48px 24px 80px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 56px;
  align-items: start;
}

/* ── ARTICLE MAIN ── */
.article-main { min-width: 0; }

/* Category + reading time row */
.article-meta-top {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  margin-bottom: 20px;
}
.art-cat-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--accent-bg); color: var(--accent);
  border: 1px solid var(--accent-border);
  padding: 4px 12px; border-radius: 100px;
  font-size: 13px; font-weight: 700; letter-spacing: .04em;
  text-decoration: none !important;
}
.art-cat-badge:hover { background: var(--accent); color: #fff !important; border-color: var(--accent); text-decoration: none; }
.art-read-time { font-size: 14px; color: var(--muted); }
.art-updated { font-size: 13px; color: var(--light-muted); }
.meta-dot { color: var(--border2); }

/* Headline */
.article-main h1 {
  font-size: clamp(30px, 4.5vw, 46px);
  font-weight: 900;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: 20px;
  text-wrap: balance;
  letter-spacing: -.01em;
}

/* Lead paragraph */
.article-lead {
  font-size: 20px;
  line-height: 1.65;
  color: var(--slate);
  margin-bottom: 28px;
  max-width: 68ch;
}

/* ── AUTHOR BLOCK ── */
.author-block {
  display: flex; align-items: center; gap: 16px;
  padding: 16px 20px;
  background: var(--light);
  border: 1px solid var(--border);
  border-radius: 12px;
  margin-bottom: 32px;
}
.author-avatar {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--navy); color: var(--hl);
  font-size: 18px; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.author-info { flex: 1; min-width: 0; }
.author-name { font-size: 16px; font-weight: 700; color: var(--navy); }
.author-title { font-size: 13px; color: var(--muted); margin-top: 2px; }
.author-stats {
  display: flex; gap: 16px; margin-top: 6px; flex-wrap: wrap;
}
.author-stat { font-size: 12px; color: var(--light-muted); display: flex; align-items: center; gap: 4px; }
.author-stat strong { color: var(--slate); font-weight: 700; }
.author-verified {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 11px; font-weight: 700; letter-spacing: .06em;
  color: var(--green); background: var(--green-bg);
  border: 1px solid var(--green-border);
  padding: 2px 8px; border-radius: 100px;
}

/* ── KEY TAKEAWAYS ── */
.key-takeaways {
  background: var(--green-bg);
  border: 1px solid var(--green-border);
  border-left: 4px solid var(--green);
  border-radius: 0 12px 12px 0;
  padding: 24px 28px;
  margin-bottom: 36px;
}
.kt-header {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 16px;
}
.kt-header h2 {
  font-size: 17px; font-weight: 800; color: var(--green);
  letter-spacing: .02em; text-transform: uppercase;
}
.kt-icon { font-size: 20px; }
.key-takeaways ul {
  list-style: none; display: flex; flex-direction: column; gap: 10px;
}
.key-takeaways li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 16px; line-height: 1.5; color: var(--slate);
}
.kt-check { color: var(--green); font-size: 18px; flex-shrink: 0; margin-top: 1px; }

/* ── ARTICLE BODY ── */
.article-body { max-width: none; } /* text spans the content column so it lines up with boxes and tables */

.article-body h2 {
  font-size: 28px; font-weight: 800; color: var(--navy);
  margin: 44px 0 16px;
  letter-spacing: -.01em; line-height: 1.2;
}
.article-body h3 {
  font-size: 21px; font-weight: 700; color: var(--navy);
  margin: 32px 0 12px;
  line-height: 1.3;
}
.article-body p {
  font-size: 18px; line-height: 1.7; color: var(--slate);
  margin-bottom: 20px;
}
.article-body p:last-child { margin-bottom: 0; }
.article-body ul, .article-body ol {
  margin: 0 0 20px 24px; display: flex; flex-direction: column; gap: 8px;
}
.article-body li { font-size: 18px; line-height: 1.6; color: var(--slate); }
.article-body strong { color: var(--navy); font-weight: 700; }
.article-body em { font-style: italic; }
.article-body a { color: var(--blue); }
.article-body a:hover { text-decoration: underline; }

/* Pull quote */
.pull-quote {
  border-left: 4px solid var(--accent);
  padding: 16px 24px;
  margin: 32px 0;
  background: var(--accent-bg);
  border-radius: 0 8px 8px 0;
}
.pull-quote p {
  font-size: 20px; font-weight: 600; font-style: italic;
  color: var(--navy); margin: 0; line-height: 1.5;
}
.pull-quote cite { display: block; font-size: 14px; font-style: normal; color: var(--muted); margin-top: 8px; }

/* Data table */
.data-table-wrap { overflow-x: auto; margin: 24px 0 32px; border-radius: 12px; border: 1px solid var(--border); }
.data-table { width: 100%; border-collapse: collapse; font-size: 16px; }
.data-table th {
  background: var(--navy); color: #fff;
  padding: 13px 16px; text-align: left;
  font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
}
.data-table th:first-child { border-radius: 12px 0 0 0; }
.data-table th:last-child { border-radius: 0 12px 0 0; }
.data-table td {
  padding: 12px 16px; border-bottom: 1px solid var(--border);
  color: var(--slate); font-variant-numeric: tabular-nums;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--light); }
.data-table .highlight-row td { color: var(--navy); font-weight: 700; background: var(--accent-bg) !important; }
.data-table .td-accent { color: var(--green); font-weight: 700; }

/* Callout box (tip / warning) */
.callout {
  border-radius: 12px; padding: 20px 22px; margin: 24px 0;
  display: flex; gap: 14px; align-items: flex-start;
}
.callout.tip { background: var(--accent-bg); border: 1px solid var(--accent-border); }
.callout.warning { background: var(--amber-bg); border: 1px solid var(--amber-border); }
.callout-icon { font-size: 22px; flex-shrink: 0; }
.callout-body p { font-size: 16px; line-height: 1.55; color: var(--slate); margin: 0; }
.callout-body strong { color: var(--navy); }

/* Formula box */
.formula-box {
  background: var(--navy); color: #fff;
  border-radius: 12px; padding: 24px 28px; margin: 28px 0;
  text-align: center;
}
.formula-box p.formula-label {
  font-size: 12px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: #94A3B8; margin-bottom: 12px;
}
.formula-box p.formula-text {
  font-size: clamp(18px, 2.5vw, 24px); font-weight: 700;
  color: var(--hl); font-family: 'Courier New', monospace;
  margin: 0; line-height: 1.4;
}
.formula-box p.formula-legend {
  font-size: 13px; color: #94A3B8; margin-top: 12px; margin-bottom: 0;
}

/* ── INLINE CTA (Tier 1) ── */
.cta-inline {
  background: var(--accent-bg);
  border: 1.5px solid var(--accent-border);
  border-left: 4px solid var(--accent);
  border-radius: 0 12px 12px 0;
  padding: 20px 24px;
  margin: 36px 0;
  display: flex; gap: 16px; align-items: flex-start;
}
.cta-inline-icon { font-size: 28px; flex-shrink: 0; }
.cta-inline-body h4, .cta-inline-body h3 {
  font-size: 17px; font-weight: 800; color: var(--navy); margin-bottom: 6px;
}
.cta-inline-body p {
  font-size: 15px; color: var(--muted); line-height: 1.5; margin-bottom: 14px;
}
.cta-inline-body a {
  display: inline-block;
  padding: 9px 22px; border-radius: 100px;
  background: var(--accent); color: #fff !important;
  font-size: 14px; font-weight: 700;
  text-decoration: none !important;
  transition: background .15s, transform .1s;
}
.cta-inline-body a:hover { background: var(--accent-dark) !important; transform: translateY(-1px); text-decoration: none; }

/* ── TOOL SPOTLIGHT CTA (Tier 2) ── */
.cta-tool {
  border: 1.5px solid var(--border);
  border-radius: 16px; overflow: hidden;
  margin: 44px 0;
  box-shadow: 0 4px 16px rgba(11,37,69,.07);
}
.cta-tool-header {
  background: var(--navy);
  padding: 14px 24px;
  display: flex; align-items: center; gap: 10px;
}
.cta-tool-header span {
  font-size: 12px; font-weight: 800; letter-spacing: .1em;
  text-transform: uppercase; color: var(--hl);
}
.cta-tool-header .cta-tool-icon { font-size: 16px; }
.cta-tool-body { padding: 24px; background: var(--white); }
.cta-tool-body h3 {
  font-size: 22px; font-weight: 800; color: var(--navy); margin-bottom: 10px;
}
.cta-tool-body p {
  font-size: 16px; color: var(--muted); line-height: 1.55; margin-bottom: 18px;
}
.cta-tool-features {
  list-style: none; display: flex; flex-direction: column; gap: 7px;
  margin-bottom: 20px;
}
.cta-tool-features li {
  display: flex; align-items: flex-start; gap: 8px;
  font-size: 15px; color: var(--slate);
}
.cta-tool-check { color: var(--green); flex-shrink: 0; }
.cta-tool-footer {
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
}
.cta-tool-footer a.btn-primary {
  padding: 11px 28px; border-radius: 100px;
  background: var(--accent); color: #fff !important;
  font-size: 15px; font-weight: 700;
  text-decoration: none !important;
  transition: background .15s, transform .1s;
}
.cta-tool-footer a.btn-primary:hover { background: var(--accent-dark) !important; transform: translateY(-1px); }
.cta-tool-footer .cta-disclaimer { font-size: 12px; color: var(--light-muted); }

/* ── FAQ SECTION ── */
.faq-section { margin: 44px 0; }
.faq-section h2 {
  font-size: 26px; font-weight: 800; color: var(--navy);
  margin-bottom: 20px;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: 10px; overflow: hidden;
  margin-bottom: 10px;
}
.faq-question {
  width: 100%; text-align: left; background: none;
  padding: 18px 20px; border: none; cursor: pointer;
  display: flex; align-items: flex-start; justify-content: space-between; gap: 12px;
  font-family: 'Source Sans 3', system-ui, sans-serif;
}
.faq-question span {
  font-size: 17px; font-weight: 700; color: var(--navy); line-height: 1.35; text-align: left;
}
.faq-icon { color: var(--accent); font-size: 22px; flex-shrink: 0; transition: transform .2s; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  padding: 0 20px;
  max-height: 0; overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}
.faq-item.open .faq-answer { max-height: 400px; padding: 0 20px 20px; }
.faq-answer p { font-size: 16px; color: var(--slate); line-height: 1.6; margin: 0; }

/* ── SOURCE CITATIONS ── */
.sources-box {
  border: 1px solid var(--border); border-radius: 12px;
  padding: 22px 24px; margin: 44px 0 32px;
  background: var(--light);
}
.sources-box h4, .sources-box h3 {
  font-size: 14px; font-weight: 800; color: var(--muted);
  letter-spacing: .08em; text-transform: uppercase; margin-bottom: 14px;
}
.sources-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.sources-list li { font-size: 14px; color: var(--muted); display: flex; gap: 10px; line-height: 1.45; }
.source-num { color: var(--accent); font-weight: 700; flex-shrink: 0; }
.sources-list a { color: var(--blue); }
.sources-list a:hover { text-decoration: underline; }

/* ── BOTTOM CTA (Tier 3) ── */
.cta-bottom {
  background: var(--navy);
  border-radius: 20px;
  padding: 40px 36px;
  margin: 48px 0 40px;
  text-align: center;
}
.cta-bottom h2 { font-size: 28px; font-weight: 900; color: #fff; margin-bottom: 12px; text-wrap: balance; }
.cta-bottom p { font-size: 17px; color: #94A3B8; line-height: 1.55; margin-bottom: 24px; }
.cta-bottom-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.cta-bottom-btns a.btn-hl {
  padding: 13px 32px; border-radius: 100px;
  background: var(--hl); color: var(--navy) !important;
  font-size: 16px; font-weight: 800;
  text-decoration: none !important;
  transition: transform .15s;
}
.cta-bottom-btns a.btn-hl:hover { transform: translateY(-2px); }
.cta-bottom-btns a.btn-ghost {
  padding: 13px 28px; border-radius: 100px;
  background: transparent; color: #fff !important;
  border: 1.5px solid #334E73;
  font-size: 16px; font-weight: 700;
  text-decoration: none !important;
  transition: border-color .15s;
}
.cta-bottom-btns a.btn-ghost:hover { border-color: #94A3B8; }
.cta-disclaimer-bottom { font-size: 12px; color: #64748B; margin-top: 16px; }

/* ── RELATED ARTICLES ── */
.related-articles { margin-top: 0; }
.related-articles h2 {
  font-size: 22px; font-weight: 800; color: var(--navy); margin-bottom: 20px;
}
.related-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.related-card {
  border: 1px solid var(--border); border-radius: 12px; overflow: hidden;
  text-decoration: none !important; display: flex; flex-direction: column;
  transition: box-shadow .2s, transform .2s;
}
.related-card:hover { box-shadow: 0 6px 20px rgba(11,37,69,.1); transform: translateY(-2px); text-decoration: none; }
.related-thumb {
  height: 90px; background: var(--accent-bg);
  display: flex; align-items: center; justify-content: center; font-size: 32px;
}
.related-card-body { padding: 14px 16px 16px; flex: 1; }
.related-card-tag { font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent); margin-bottom: 6px; }
.related-card-body h4, .related-card-body h3 { font-size: 15px; font-weight: 700; color: var(--navy); line-height: 1.3; }
.related-card-body p { font-size: 13px; color: var(--muted); margin-top: 4px; line-height: 1.4; }

/* ── SIDEBAR ── */
.article-sidebar { position: sticky; top: 88px; display: flex; flex-direction: column; gap: 24px; }

/* Table of Contents */
.toc-box {
  border: 1px solid var(--border);
  border-radius: 14px; overflow: hidden;
}
.toc-header {
  background: var(--navy); padding: 14px 20px;
  display: flex; align-items: center; gap: 8px;
}
.toc-header h3 { font-size: 14px; font-weight: 800; color: #fff; letter-spacing: .06em; text-transform: uppercase; }
.toc-header span { font-size: 16px; }
.toc-body { padding: 16px 20px; }
.toc-list { list-style: none; display: flex; flex-direction: column; gap: 4px; }
.toc-list li a {
  display: block; padding: 7px 10px; border-radius: 6px;
  font-size: 14px; font-weight: 600; color: var(--muted);
  text-decoration: none !important;
  transition: background .15s, color .15s;
}
.toc-list li a:hover { background: var(--accent-bg); color: var(--accent); text-decoration: none; }
.toc-list li a.active { background: var(--accent-bg); color: var(--accent); font-weight: 700; }
.toc-list li.toc-sub a { padding-left: 24px; font-size: 13px; }

/* Sidebar CTA */
.sidebar-cta {
  background: var(--navy);
  border-radius: 14px; padding: 24px;
}
.sidebar-cta .cta-tag {
  font-size: 11px; font-weight: 800; letter-spacing: .1em;
  text-transform: uppercase; color: var(--hl); margin-bottom: 12px;
}
.sidebar-cta h3 { font-size: 20px; font-weight: 800; color: #fff; margin-bottom: 10px; line-height: 1.3; }
.sidebar-cta p { font-size: 14px; color: #94A3B8; line-height: 1.5; margin-bottom: 16px; }
.sidebar-cta a {
  display: block; text-align: center;
  padding: 12px 20px; border-radius: 100px;
  background: var(--hl); color: var(--navy) !important;
  font-size: 15px; font-weight: 800;
  text-decoration: none !important;
  transition: transform .15s;
}
.sidebar-cta a:hover { transform: translateY(-1px); }
.sidebar-cta .cta-disclaimer { font-size: 11px; color: #475569; margin-top: 10px; text-align: center; }

/* Sidebar newsletter */
.sidebar-newsletter {
  border: 1px solid var(--border); border-radius: 14px;
  padding: 22px;
}
.sidebar-newsletter h3 { font-size: 18px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.sidebar-newsletter p { font-size: 14px; color: var(--muted); line-height: 1.5; margin-bottom: 16px; }
.sidebar-newsletter input {
  width: 100%; padding: 10px 14px; border-radius: 8px;
  border: 1.5px solid var(--border); background: var(--bg); color: var(--text);
  font-family: 'Source Sans 3', sans-serif; font-size: 15px;
  margin-bottom: 10px; outline: none;
  transition: border-color .15s;
}
.sidebar-newsletter input:focus { border-color: var(--accent); }
.sidebar-newsletter button {
  width: 100%; padding: 11px 20px; border-radius: 100px;
  background: var(--accent); color: #fff;
  border: none; font-family: 'Source Sans 3', sans-serif;
  font-size: 15px; font-weight: 700; cursor: pointer;
  transition: background .15s;
}
.sidebar-newsletter button:hover { background: var(--accent-dark); }
.newsletter-disclaimer { font-size: 12px; color: var(--light-muted); margin-top: 8px; text-align: center; }

/* Sidebar trust badges */
.sidebar-trust {
  border: 1px solid var(--border); border-radius: 14px;
  padding: 18px 20px;
}
.sidebar-trust h4 { font-size: 13px; font-weight: 700; color: var(--muted); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 14px; }
.trust-items { display: flex; flex-direction: column; gap: 12px; }
.trust-item { display: flex; align-items: flex-start; gap: 10px; }
.trust-icon { font-size: 18px; flex-shrink: 0; }
.trust-text strong { display: block; font-size: 13px; font-weight: 700; color: var(--navy); }
.trust-text span { font-size: 12px; color: var(--muted); }

/* ── FOOTER ── */
.why-footer {
  background: var(--navy);
  padding: 60px 24px 40px;
  margin-top: 0;
}
.why-footer-inner { max-width: 1240px; margin: 0 auto; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 48px;
}
.footer-brand p { font-size: 15px; color: #94A3B8; line-height: 1.6; margin: 16px 0 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 8px;
  background: #1A2942; border: 1px solid #334E73;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; text-decoration: none !important;
  transition: background .15s;
}
.footer-social a:hover { background: #334E73; text-decoration: none; }
.footer-col h4 {
  font-size: 14px; font-weight: 700; color: #fff;
  letter-spacing: .06em; text-transform: uppercase; margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col li a { font-size: 15px; color: #94A3B8; text-decoration: none !important; transition: color .15s; }
.footer-col li a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid #1A2942; padding-top: 28px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; flex-wrap: wrap;
}
.footer-bottom p { font-size: 14px; color: #64748B; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 14px; color: #64748B; text-decoration: none !important; }
.footer-bottom-links a:hover { color: #94A3B8; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .article-layout { grid-template-columns: 1fr; gap: 48px; }
  .article-sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .related-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .why-nav { display: none; }
  .btn-newsletter { display: none; }
  .why-hamburger { display: flex; }
  .why-mobile-nav.open { display: flex; }
  .article-layout { padding: 28px 16px 60px; }
  .why-page { padding: 0 4px; }
  .key-takeaways, .callout, .pull-quote, .formula-box, .cta-inline, .cta-tool, .cta-bottom, .data-table-wrap { margin-left: 0; margin-right: 0; border-radius: 10px; }
  .why-bar-inner, .disclosure-bar-inner, .breadcrumb { padding-left: 16px; padding-right: 16px; }
  .article-main h1 { font-size: 28px; }
  .cta-bottom { padding: 28px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .formula-box p.formula-text { font-size: 16px; }
  .author-stats { display: none; }
}
@media (max-width: 480px) {
  .article-lead { font-size: 17px; }
  .article-body p { font-size: 17px; }
}


/* Visually hidden (accessibility) */
.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ── PRINT / PDF CLEAN MODE ── */
@media print {
  /* White backgrounds everywhere */
  .why-bar { background: #fff !important; border-bottom: 1px solid #E2E8F0 !important; }
  .why-bar-inner { color: #0B2545 !important; }
  .why-bar-badge { background: #0B2545 !important; }
  .why-header { position: static !important; box-shadow: none !important; border-bottom: 1px solid #E2E8F0 !important; }
  .disclosure-bar { background: #fff !important; border-bottom: 1px solid #E2E8F0 !important; }
  .disclosure-bar-inner { color: #475569 !important; }
  .disclosure-icon { display: none; }
  .key-takeaways { background: #fff !important; border-left-color: #0E7C5A !important; border-color: #E2E8F0 !important; }
  .formula-box { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .cta-inline { background: #fff !important; border-color: #E2E8F0 !important; border-left-color: #1A56DB !important; }
  .cta-tool-header { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .cta-tool-body { background: #fff !important; }
  .cta-bottom { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .sidebar-cta { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .pull-quote { background: #F8FAFC !important; border-color: #E2E8F0 !important; }
  .callout.tip { background: #F8FAFC !important; border-color: #E2E8F0 !important; }
  .callout.warning { background: #FFFBEB !important; }
  .author-block { background: #F8FAFC !important; border-color: #E2E8F0 !important; }
  .sources-box { background: #F8FAFC !important; }
  .toc-header { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .why-footer { background: #0B2545 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }

  /* Flatten layout for print */
  .article-layout { grid-template-columns: 1fr !important; gap: 32px !important; padding: 24px !important; }
  .article-sidebar { display: none !important; }
  .why-hamburger { display: none !important; }

  /* No sticky on print */
  .why-header { position: relative !important; }

  /* Page breaks */
  h2 { page-break-after: avoid; }
  .key-takeaways, .cta-tool, .cta-bottom { page-break-inside: avoid; }
  .data-table-wrap { page-break-inside: avoid; }
}

/* ── Approved article order (Brand Guidelines V2 §09): trust bar, hero, full author block ── */
.article-main > h1{margin-bottom:16px}
.article-main .disclosure-bar{background:#FFFBEB;border:1px solid #FDE68A;border-radius:8px;margin:0 0 14px}
.article-main .disclosure-bar-inner{padding:10px 16px;max-width:none;display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#78350F;line-height:1.5}
.article-main .disclosure-bar-inner p{margin:0;font-size:14px}
.wx-trust-bar{background:#F1F5F9;border:1px solid #E2E8F0;border-radius:10px;padding:12px 16px;display:flex;flex-wrap:wrap;align-items:center;gap:6px 10px;font-size:14px;font-weight:600;color:#334155;margin:0 0 20px}
.wx-trust-bar a{color:#1A56DB;text-decoration:none}
.wx-trust-bar a:hover{text-decoration:underline}
.wx-tb-sep{color:#B8C6DE}
.wx-tb-check{color:#0E7C5A}
.wx-hero{margin:0 0 22px;border-radius:14px;overflow:hidden;aspect-ratio:16/9;max-height:400px;width:100%;display:flex;align-items:center;justify-content:center;background:#EEF4FF}
.wx-hero img{width:100%;height:100%;object-fit:cover;display:block}
.wx-hero span{font-size:clamp(64px,10vw,110px);line-height:1}
.wx-hero-money{background:#ECFDF5}.wx-hero-marketing{background:#F5F3FF}.wx-hero-business{background:#EEF4FF}.wx-hero-tech-ai{background:#EEF2FF}
.wx-author-full{background:#FFFFFF;border:1px solid #E2E8F0;border-radius:14px;padding:22px;display:flex;gap:18px;align-items:flex-start;margin:36px 0}
.wx-af-avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(135deg,#0B2545 0%,#1A56DB 100%);display:flex;align-items:center;justify-content:center;font-size:26px;font-weight:900;color:#FFD23F;flex-shrink:0}
.wx-af-info{flex:1;min-width:0}
.wx-af-by{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#475569;margin-bottom:4px}
.wx-af-name{font-size:19px;font-weight:800;line-height:1.2}
.wx-af-name a{color:#0B2545;text-decoration:none}
.wx-af-title{font-size:14px;color:#1A56DB;font-weight:600;margin:2px 0 8px}
.article-body .wx-af-bio{font-size:15px;color:#475569;line-height:1.55;margin:0}
.wx-af-stats{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:10px;font-size:14px;color:#475569}
.wx-af-stats strong{color:#0B2545}
.wx-af-stats a{color:#1A56DB;font-weight:700;text-decoration:none}
@media (max-width:600px){.wx-author-full{flex-direction:column;gap:12px;padding:18px}.wx-trust-bar{font-size:13px;padding:10px 12px}}
/* Sources: named (not linked out), routed to Editorial Standards; inline citation numbers */
.sources-box .source-name{color:#475569;font-size:14px;line-height:1.5}
.sources-box .sources-note{margin:12px 0 0;font-size:14px;color:#475569}
.sources-box .sources-note a{color:#1A56DB;font-weight:700;text-decoration:none}
.sources-box li:target{background:#FFFBEB;border-radius:6px}
sup.wx-cite{font-size:.68em;line-height:0;vertical-align:super;margin-left:1px}
sup.wx-cite a{color:#64748B;text-decoration:none;font-weight:700;padding:0 2px}
sup.wx-cite a:hover{color:#1A56DB}
/* Featured image hero keeps the share image's full frame; diagrams */
figure.wx-hero{aspect-ratio:1200/630;max-height:none;background:#0B2545}
figure.wx-hero img{object-fit:contain}
.wx-diagram{margin:24px 0;max-width:100%}
.wx-diagram svg{max-width:100%;height:auto}
.wx-diagram figcaption{font-size:14px;color:#64748B;margin-top:8px;line-height:1.5}

/* Form confirmation and error messages (assets/wx-forms.js) */
.wx-form-msg{display:inline-block;margin:10px 0 0;padding:6px 12px;border-radius:8px;background:#fff;font-size:15px;font-weight:700;line-height:1.4}.wx-form-msg.wx-ok{color:#0E7C5A}.wx-form-msg.wx-err{color:#B42318}

/* Diagrams stay readable on phones: swipe sideways inside the figure instead of shrinking the text */
@media (max-width: 600px) {
  .wx-diagram { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .wx-diagram svg { min-width: 620px; }
  .wx-diagram figcaption { position: sticky; left: 0; max-width: calc(100vw - 40px); }
}