/* Tips hub + articles. Same visual language as index.html (Column-style, Treedy teal). */
:root{
  --bg:#f5f7f6;--surface:#fff;--soft:#f8faf9;--ink:#0f2421;--ink-2:#51625e;--ink-3:#8a9894;
  --line:#e2e8e5;--line-2:#d3dcd8;--teal:#0b5f56;--teal-2:#0f766e;--mint:#dff5ed;
  --lime:#a3d635;--lime-soft:#eefbd1;--lime-ink:#2f4a0b;--red:#b3372f;--night:#06201c;
  --sans:'Geist',system-ui,sans-serif;--mono:'Geist Mono',ui-monospace,monospace;
  --ease:cubic-bezier(.16,1,.3,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--bg);color:var(--ink);-webkit-font-smoothing:antialiased;font-size:16px;line-height:1.5}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
button{font:inherit;color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.skip{position:absolute;left:16px;top:-60px;z-index:30;background:var(--teal);color:#fff;padding:10px 14px;border-radius:8px}
.skip:focus{top:12px}
:focus-visible{outline:2px solid var(--teal-2);outline-offset:3px;border-radius:6px}
[data-lucide]{width:16px;height:16px;stroke-width:1.75}

.tag{display:inline-flex;align-items:center;gap:6px;font:500 12px/1 var(--mono);letter-spacing:.06em;text-transform:uppercase;color:var(--teal);background:var(--mint);border:1px solid rgba(11,95,86,.14);padding:6px 8px;border-radius:4px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:40px;padding:0 16px;border-radius:8px;font:500 15px var(--sans);border:1px solid transparent;cursor:pointer;white-space:nowrap;transition:background .2s,border-color .2s,transform .2s var(--ease)}
.btn:active{transform:translateY(1px)}
.btn--dark{background:var(--teal);color:#fff}
.btn--dark:hover{background:var(--teal-2)}
.btn--line{background:var(--surface);border-color:var(--line-2);color:var(--ink)}
.btn--line:hover{border-color:var(--ink-3)}
.btn [data-lucide]{width:14px;height:14px}

/* Nav (matches index.html) */
.announce{background:var(--teal);color:#fff;font-size:14px;text-align:center;padding:9px 16px}
.announce a{opacity:.8;margin-left:6px}
.announce a:hover{opacity:1}
header{position:sticky;top:0;z-index:20;background:rgba(245,247,246,.84);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.links{display:flex;gap:30px;font-size:15px;color:var(--ink-2)}
.links a:hover,.links a[aria-current]{color:var(--ink)}
.nav-r{display:flex;align-items:center;gap:18px;font-size:15px}
.nav-r .signin{color:var(--ink-2)}
.menu-btn{display:none;width:40px;height:40px;border:1px solid var(--line-2);border-radius:8px;background:var(--surface);align-items:center;justify-content:center;cursor:pointer}
.menu-btn [data-lucide]{width:18px;height:18px}
.mnav{display:none;border-top:1px solid var(--line);background:var(--bg);padding:8px 24px 16px}
.mnav a{display:block;padding:14px 0;font-size:17px;border-bottom:1px solid var(--line)}
.mnav a:last-child{border-bottom:none;color:var(--ink-2)}

/* Hub (list layout, Column-style) */
.hub-hero{padding:72px 0 0}
.hub-hero h1{font-weight:600;font-size:clamp(40px,4.6vw,56px);line-height:1.05;letter-spacing:-.04em}
.hub-hero p{font-size:18px;color:var(--ink-2);margin-top:12px;max-width:52ch}
.tabs{display:flex;gap:28px;margin-top:36px;border-bottom:1px solid var(--line)}
.tabs button{background:none;border:none;padding:0 0 12px;font-size:15px;color:var(--ink-3);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;transition:color .2s,border-color .2s}
.tabs button:hover{color:var(--ink)}
.tabs button[aria-pressed="true"]{color:var(--ink);border-bottom-color:var(--teal)}
.list{list-style:none}
.row{border-bottom:1px solid var(--line)}
.row[hidden]{display:none}
.row a{display:grid;grid-template-columns:220px minmax(0,1fr) minmax(0,.8fr);gap:36px;padding:28px 0;align-items:center}
.row a:hover h2{color:var(--teal)}
.pill{justify-self:start;display:inline-block;font-size:12px;font-weight:500;padding:4px 9px;border-radius:6px;line-height:1.3}
.pill--debt{background:var(--mint);color:var(--teal)}
.pill--strategy{background:#e6eefb;color:#2b4f86}
.pill--spending{background:#fbeee3;color:#8a4a17}
.pill--habits{background:var(--lime-soft);color:var(--lime-ink)}
.row h2{font-weight:600;font-size:22px;line-height:1.25;letter-spacing:-.02em;transition:color .2s;margin-top:10px}
.byline .date{margin:0;font-size:14px}
.byline{display:flex;align-items:center;gap:8px;margin-top:12px;font-size:14px;color:var(--ink)}
.byline img{width:22px;height:22px;border-radius:50%;background:var(--mint);padding:3px}
.date{font-size:14px;color:var(--ink-3);margin-top:8px}
.row p{color:var(--ink-2);font-size:16px;line-height:1.5}
.band{margin:96px 0 112px;background:var(--night);color:#e9f3f0;border-radius:16px;padding:48px 56px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px;align-items:center}
.band h2{font-weight:600;font-size:28px;letter-spacing:-.025em;color:#fff}
.band p{color:rgba(233,243,240,.7);margin-top:8px}
.band form{display:flex;gap:8px}
.band input{flex:1;min-width:0;height:42px;border:1px solid rgba(255,255,255,.18);border-radius:8px;background:rgba(255,255,255,.06);color:#fff;font:15px var(--sans);padding:0 14px}
.band input::placeholder{color:rgba(233,243,240,.5)}
.band input:focus{outline:none;border-color:var(--lime)}
.band .btn{background:var(--lime);color:var(--lime-ink);height:42px}
.band .btn:hover{background:#b5e34a}
.band .jnote{font-size:13px;color:rgba(233,243,240,.6);margin-top:10px;min-height:1.3em}


/* Data thumbnails */
.thumb{height:128px;border-radius:12px;border:1px solid var(--line);background:var(--surface);background-image:radial-gradient(rgba(11,95,86,.07) 1px,transparent 1px);background-size:12px 12px;display:flex;flex-direction:column;justify-content:center;padding:16px 18px;overflow:hidden;transition:border-color .3s,box-shadow .3s var(--ease),transform .3s var(--ease);font-variant-numeric:tabular-nums}
.row a:hover .thumb{border-color:var(--line-2);box-shadow:0 18px 36px -24px rgba(11,95,86,.45);transform:translateY(-2px)}
.th-daily strong{font-weight:500;font-size:32px;letter-spacing:-.04em;line-height:1;color:var(--teal)}
.th-daily span{display:block;font-size:12px;color:var(--ink-3);margin-top:4px}
.th-days{display:flex;gap:4px;margin-top:12px}
.th-days i{flex:1;height:18px;border-radius:3px;background:var(--mint);border:1px solid rgba(11,95,86,.15)}
.th-bars div{display:grid;grid-template-columns:78px 1fr 42px;gap:8px;align-items:center;font-size:11.5px;color:var(--ink-2)}
.th-bars div+div{margin-top:9px}
.th-bars i{height:10px;border-radius:5px;background:var(--line-2);width:var(--w)}
.th-bars .hl i{background:var(--teal-2)}
.th-bars b{font-weight:500;color:var(--ink);text-align:right}
.th-bars .hl b{color:var(--teal)}
.th-lines{width:100%;height:70px}
.th-legend{display:flex;gap:14px;font-size:11.5px;color:var(--ink-2);margin-top:6px}
.th-legend i{display:inline-block;width:12px;height:3px;border-radius:2px;background:var(--teal-2);margin-right:6px;vertical-align:middle}
.th-legend i.l{background:var(--lime)}
.th-subs div{display:flex;justify-content:space-between;font-size:12.5px;color:var(--ink-2);padding:3px 0}
.th-subs b{font-weight:500;color:var(--ink)}
.th-subs .tot{border-top:1px solid var(--line);margin-top:4px;padding-top:7px}
.th-subs .tot span{color:var(--ink)}
.th-subs .tot b{color:var(--teal);font-size:15px}
.th-week .d{display:grid;grid-template-columns:repeat(7,1fr);gap:5px}
.th-week i{font-style:normal;height:40px;border-radius:7px;background:var(--soft);border:1px solid var(--line);display:grid;place-items:center;font-size:12px;color:var(--ink-3)}
.th-week i.on{background:var(--teal);border-color:var(--teal);color:#fff}
.th-week span{display:block;font-size:12px;color:var(--ink-2);margin-top:12px}
.th-round{display:flex;align-items:center;justify-content:center;gap:7px;font-size:18px;font-weight:600;white-space:nowrap}
.th-round s{color:var(--ink-3);font-weight:400}
.th-round span{color:var(--ink-3)}
.th-round b{font-size:12.5px;font-weight:500;color:var(--teal);background:var(--mint);padding:4px 8px;border-radius:6px}

/* Featured tip */
.feat-tip{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center;margin-top:36px;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:40px;transition:box-shadow .3s var(--ease),border-color .3s}
.feat-tip:hover{border-color:var(--line-2);box-shadow:0 28px 56px -32px rgba(11,95,86,.4)}
.feat-tip:hover h2{color:var(--teal)}
.feat-tip h2{font-weight:600;font-size:clamp(26px,2.8vw,34px);line-height:1.15;letter-spacing:-.03em;margin-top:14px;transition:color .2s}
.feat-tip p{font-size:17px;color:var(--ink-2);margin-top:12px;max-width:44ch}
.feat-tip .byline{margin-top:20px}
.ft-vis{background:var(--night);color:#e9f3f0;border-radius:12px;padding:24px 26px;background-image:radial-gradient(rgba(163,214,53,.08) 1px,transparent 1px);background-size:14px 14px;font-variant-numeric:tabular-nums}
.ft-k{font-size:12px;color:rgba(233,243,240,.6);margin-bottom:16px}
.ft-bar{display:grid;grid-template-columns:110px 1fr 36px;gap:12px;align-items:center;font-size:13px;color:rgba(233,243,240,.8)}
.ft-bar+.ft-bar{margin-top:12px}
.ft-bar i{height:12px;border-radius:6px;background:rgba(255,255,255,.18);width:var(--w)}
.ft-bar.hl i{background:var(--lime)}
.ft-bar b{font-weight:500;color:#fff;text-align:right}
.ft-bar.hl b{color:var(--lime)}
.ft-foot{display:flex;justify-content:space-between;align-items:baseline;margin-top:20px;padding-top:14px;border-top:1px solid rgba(255,255,255,.12);font-size:13px;color:rgba(233,243,240,.65)}
.ft-foot strong{font-weight:500;font-size:24px;letter-spacing:-.03em;color:#fff}
#featured[hidden]{display:none}
@media (prefers-reduced-motion:no-preference){
  .ft-bar i,.th-bars i{transform-origin:left;animation:grow 1s var(--ease) both}
  .ft-bar:nth-child(3) i{animation-delay:.1s}.ft-bar:nth-child(4) i{animation-delay:.2s}
  @keyframes grow{from{transform:scaleX(0)}}
}

/* Article (narrow column, Column-style) */
.back{display:inline-flex;align-items:center;gap:6px;font-size:14px;font-weight:500;color:var(--teal);margin-top:20px}
.back [data-lucide]{width:14px;height:14px}
.art-head{padding:56px 0 0}
.art-head .col,.art .col{max-width:680px;margin:0 auto}
.art-top{display:flex;align-items:center;gap:12px;font-size:14px;color:var(--ink-2)}
.art-head h1{font-weight:600;font-size:clamp(32px,3.6vw,42px);line-height:1.12;letter-spacing:-.03em;margin-top:18px}
.author{display:flex;align-items:center;gap:12px;margin-top:28px;padding-bottom:28px;border-bottom:1px solid var(--line)}
.author img{width:40px;height:40px;border-radius:50%;background:var(--mint);padding:7px}
.author strong{display:block;font-size:14px;font-weight:600}
.author span{font-size:13px;color:var(--ink-3)}
.art{position:relative;padding:36px 0 40px}
.share{position:absolute;left:32px;top:40px;display:flex;flex-direction:column;align-items:center;gap:14px;color:var(--ink-3)}
.share small{writing-mode:vertical-rl;transform:rotate(180deg);font-size:12px;letter-spacing:.04em}
.share a,.share button{color:var(--ink-2);background:none;border:none;cursor:pointer;display:grid;place-items:center}
.share a:hover,.share button:hover{color:var(--teal)}
.prose .lead{font-size:19px;color:var(--ink);line-height:1.6;margin-top:0}
.prose h2{font-weight:600;font-size:22px;letter-spacing:-.02em;line-height:1.25;margin:40px 0 10px}
.prose p{font-size:16.5px;line-height:1.7;color:#34463f;margin-top:14px}
.prose ul,.prose ol{margin:14px 0 0 20px;font-size:16.5px;line-height:1.7;color:#34463f}
.prose li+li{margin-top:6px}
.prose li::marker{color:var(--ink-3)}
.prose strong{font-weight:600;color:var(--ink)}
.stat-card{margin:28px 0;display:grid;grid-template-columns:auto 1fr;gap:20px;align-items:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 0}
.stat-card strong{font-weight:500;font-size:36px;letter-spacing:-.035em;line-height:1;color:var(--teal);font-variant-numeric:tabular-nums}
.stat-card p{margin:0!important;font-size:15px!important;color:var(--ink-2)!important}
.table{margin:24px 0 0;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface);font-variant-numeric:tabular-nums}
.table div{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:12px;padding:12px 16px;font-size:14.5px;align-items:center}
.table div+div{border-top:1px solid var(--line)}
.table .th{background:var(--soft);font-size:12px;font-weight:500;color:var(--ink-3)}
.table .hl span:first-child{font-weight:600;color:var(--teal)}
.table.cols-3 div{grid-template-columns:1.4fr 1fr 1fr}
.note,.prose .note{font-size:13px;color:var(--ink-3);margin-top:8px}
.checklist{list-style:none;margin:20px 0 0!important}
.checklist li{display:flex;gap:12px;align-items:flex-start;padding:10px 0;margin:0!important}
.checklist li+li{border-top:1px solid var(--line)}
.checklist [data-lucide]{color:var(--teal-2);flex-shrink:0;margin-top:6px}
.callout{margin:32px 0;border-left:2px solid var(--teal);padding:4px 0 4px 20px}
.callout b{display:block;font-size:13px;font-weight:600;color:var(--teal)}
.callout p{margin-top:4px!important;color:var(--ink)!important}
.art-cta{margin-top:48px;border:1px solid var(--line);border-radius:12px;background:var(--surface);padding:22px 24px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.art-cta strong{display:block;font-size:16px;font-weight:600}
.art-cta span{font-size:14px;color:var(--ink-2)}
.disclaimer{font-size:13px;color:var(--ink-3);margin-top:28px}
.related{padding:24px 0 0}
.related h2.more{font-weight:600;font-size:22px;letter-spacing:-.02em;padding-bottom:16px;border-bottom:1px solid var(--line)}

/* Footer (matches index.html) */
footer{border-top:1px solid var(--line);padding:56px 0 48px;font-size:14px;color:var(--ink-2)}
.foot{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px}
.foot p{margin-top:10px;max-width:30ch}
.foot h4{font:500 12px var(--mono);letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3)}
.foot ul{list-style:none;margin-top:12px;display:grid;gap:8px}
.foot a:hover{color:var(--ink)}
.fine{font-size:12px;color:var(--ink-3);margin-top:40px;padding-top:24px;border-top:1px solid var(--line);line-height:1.6}
.copy{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:13px;color:var(--ink-3);margin-top:16px}

@media (prefers-reduced-motion:no-preference){
  .up{opacity:0;transform:translateY(14px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
  .up.on{opacity:1;transform:none}
}
@media (max-width:960px){
  .links{display:none}
  .menu-btn{display:inline-flex}
  .mnav:not([hidden]){display:block}
  .row a{grid-template-columns:200px minmax(0,1fr);gap:24px}
  .row a p{grid-column:2}
  .feat-tip{grid-template-columns:1fr;padding:28px;gap:28px}
  .share{display:none}
  .band{grid-template-columns:1fr;padding:36px 28px}
  .foot{grid-template-columns:1fr 1fr}
  .foot>div:first-child{grid-column:1/-1}
  .cta-card{grid-template-columns:1fr}
}
@media (max-width:600px){
  .nav-r .signin{display:none}
  .nav-r>.btn--line{height:36px;padding:0 12px;font-size:14px}
  .row a{grid-template-columns:1fr;gap:12px;padding:24px 0}
  .row a p{grid-column:1}
  .thumb{height:120px}
  .feat-tip{padding:20px}
  .ft-bar{grid-template-columns:92px 1fr 30px;font-size:12px}
  .band form{flex-direction:column}
  .art-cta{flex-direction:column;align-items:flex-start}
  .stat-card{grid-template-columns:1fr;gap:8px}
  .table div{grid-template-columns:1.25fr 1fr 1fr 1fr;gap:8px;font-size:13px;padding:12px}
  .table.cols-3 div{grid-template-columns:1.2fr 1fr 1fr}
  .table .th{font-size:11px}
  .prose p,.prose ul,.prose ol{font-size:17px}
}