/* ==========================================================================
   Shared layout for the product landing pages (Budget, Investing, Learn).
   Each page sets --acc / --acc-d / --acc-l to its own accent colour.
   Loaded after the page's own <style>, so it refines rather than replaces.
   ========================================================================== */

body{background:#fff;color:#12161f;font-size:16px;line-height:1.55}

/* ---------- Nav ---------- */
nav{height:64px;padding:0 40px;background:#fff;backdrop-filter:none;border-bottom:1px solid #e4e7ed}
.logo{gap:10px}
.logo img{width:auto!important;height:26px!important;border-radius:0!important;object-fit:contain}
.logo-text{font-size:19px;letter-spacing:-0.02em}
.logo-badge{background:transparent;color:var(--acc);border:1px solid currentColor;font-family:var(--sp-font-mono);font-size:10.5px;font-weight:500;letter-spacing:0.06em;padding:2px 6px;border-radius:2px;line-height:1.3}
.nav-link{border-radius:0;font-size:14px}
.nav-link:hover{background:transparent;color:#12161f}
.nav-cta{display:inline-flex;align-items:center;height:40px;padding:0 18px;border-radius:4px;font-size:14px;font-weight:600;background:var(--acc)}
.nav-cta:hover{background:var(--acc-d)}

/* ---------- Hero: text left, product card right, facts as one ruled band ---------- */
.hero{
  min-height:0;display:grid;grid-template-columns:minmax(0,1.22fr) minmax(0,.78fr);
  grid-template-areas:"eyebrow viz" "title viz" "sub viz" "actions viz" "stats stats";
  column-gap:72px;row-gap:0;align-items:start;text-align:left;
  padding:136px max(40px,calc((100vw - 1200px)/2 + 40px)) 0;
  border-bottom:1px solid #e4e7ed;background:#fff;
}
.hero-bg{display:none}
.hero-eyebrow{grid-area:eyebrow;justify-self:start;background:none;border:none;border-radius:0;padding:0;font-family:var(--sp-font-mono);font-size:13px;font-weight:400;letter-spacing:0;color:var(--acc-d);margin-bottom:26px;animation:none}
.hero-eyebrow::before{display:none}
.hero h1{grid-area:title;max-width:none;font-size:clamp(40px,4.6vw,68px);line-height:.98;letter-spacing:-0.042em;margin-bottom:30px;animation:none}
.hero h1 em{color:var(--acc)}
.hero-sub{grid-area:sub;max-width:540px;font-size:19px;line-height:1.55;color:#4a5568;margin-bottom:36px;animation:none}
.hero-actions{grid-area:actions;justify-content:flex-start;animation:none}
.hero-visual{grid-area:viz;align-self:center;position:relative}
.hero-visual::before{content:"";position:absolute;inset:-56px -40px -56px -56px;background-image:radial-gradient(#cfd5de 1px,transparent 1.3px);background-size:18px 18px;-webkit-mask-image:radial-gradient(closest-side,#000 35%,transparent);mask-image:radial-gradient(closest-side,#000 35%,transparent);pointer-events:none}
.hero-visual .sp-viz{position:relative}
.hero:has(.sp-viz-fail){grid-template-areas:"eyebrow eyebrow" "title title" "sub sub" "actions actions" "stats stats"}
.hero-visual:has(.sp-viz-fail){display:none}
.stats-strip{
  grid-area:stats;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin-top:84px;max-width:none;width:100%;
  background:none;border:none;border-top:1px solid #e4e7ed;border-radius:0;box-shadow:none;animation:none;overflow:visible
}
.stat-item{display:flex;flex-direction:column;gap:8px;text-align:left;padding:28px 24px 34px;border:none;border-left:1px solid #e4e7ed;min-width:0}
.stat-item:first-child{border-left:none;padding-left:0}
.stat-item:last-child{border-bottom:none}
.stat-num{font-size:36px;font-weight:600;letter-spacing:-0.035em;color:#12161f;margin:0;line-height:1}
.stat-label{font-size:14.5px;font-weight:400;letter-spacing:0;color:#5a6478}
@media(min-width:961px){.hero h1 br{display:none}}

/* ---------- Buttons ---------- */
.btn-primary,.btn-secondary{height:52px;padding:0 24px;border-radius:4px;font-size:16px;font-weight:600;transition:background-color .15s,border-color .15s,color .15s}
.btn-primary{background:var(--acc)}
.btn-primary:hover{background:var(--acc-d)}
.btn-primary svg{stroke-width:2}
.btn-secondary{background:#fff;border:1px solid #d3d8e0;color:#12161f}
.btn-secondary:hover{border-color:#12161f;background:#fff}

/* ---------- Section heads ---------- */
.features,.topics{padding:104px 40px;max-width:1200px}
.lp-sec{padding:104px 40px;background:#fff;border-top:1px solid #e4e7ed}
.lp-alt{background:#f7f8fa;border-bottom:1px solid #e4e7ed}
.lp-inner{max-width:1120px;margin:0 auto}
.lp-sec .lesson-list{max-width:860px}
.lp-alt .section-title{margin-bottom:0}
.section-label{display:flex;align-items:center;gap:10px;text-align:left!important;font-family:var(--sp-font-mono);font-size:13px;font-weight:400;letter-spacing:0;text-transform:none;color:#5a6478;margin-bottom:16px}
.section-label::before{content:"";flex:none;width:7px;height:7px;background:var(--acc)}
.section-title{text-align:left;font-size:clamp(34px,4.2vw,58px);letter-spacing:-0.038em;line-height:1;margin-bottom:56px;max-width:820px}

/* No fade-in-on-scroll: content is simply there */
.reveal,.reveal.visible{opacity:1!important;transform:none!important;transition:none!important}

/* ---------- Feature / topic grid: ruled, no floating cards ---------- */
.features-grid,.topics-grid{grid-template-columns:repeat(3,1fr);gap:1px;background:#e4e7ed;border:1px solid #e4e7ed}
.feature-card,.topic-card{position:relative;border:none;border-radius:0;padding:36px 32px 38px;background:#fff;transition:background-color .2s}
.feature-card::before,.topic-card::before{display:block;content:"";position:absolute;left:0;right:0;top:0;height:2px;background:var(--acc);transform:scaleX(0);transform-origin:left;transition:transform .35s cubic-bezier(.4,0,.2,1);border-radius:0;opacity:1;width:auto}
.feature-card:hover,.topic-card:hover{border-color:transparent;background:#fbfcfd}
.feature-card:hover::before,.topic-card:hover::before{transform:none}
.feature-icon,.topic-icon{width:auto;height:auto;background:none;border-radius:0;justify-content:flex-start;margin-bottom:28px;color:var(--acc)}
.feature-icon svg,.topic-icon svg{width:28px;height:28px;stroke-width:1.5;stroke-linecap:square;stroke-linejoin:miter}
.feature-card h3,.topic-card h3{font-size:20px;letter-spacing:-0.02em;margin-bottom:12px}
.feature-card p,.topic-card p{font-size:15.5px;line-height:1.62;color:#4a5568}
.topic-lessons{font-family:var(--sp-font-mono);font-size:12.5px;font-weight:500;letter-spacing:0;color:var(--acc-d)}

/* ---------- How it works: numbered columns ---------- */
.how{padding:104px 40px;background:#f7f8fa}
.how-inner{max-width:1120px}
.how .section-title{margin-bottom:0}
.steps{grid-template-columns:repeat(4,1fr);gap:40px;margin-top:48px}
.step{gap:10px;border-top:2px solid #dfe3ea;padding-top:22px;position:relative}
.step::after{content:"";position:absolute;left:0;right:0;top:-2px;height:2px;background:#12161f;transform-origin:left;transition:transform .9s cubic-bezier(.4,0,.2,1)}
html.sp-motion-on .steps:not(.in) .step::after{transform:scaleX(0)}
.steps .step:nth-child(2)::after{transition-delay:.15s}.steps .step:nth-child(3)::after{transition-delay:.3s}.steps .step:nth-child(4)::after{transition-delay:.45s}
.step::before{content:counter(steps,decimal-leading-zero);width:auto;height:auto;background:none;color:var(--acc-d);border-radius:0;display:block;font-family:var(--sp-font-mono);font-size:13px;font-weight:500;margin-bottom:6px}
.step h3{font-size:19px;letter-spacing:-0.02em}
.step p{font-size:15.5px;line-height:1.62;color:#4a5568}

/* ---------- Learn: lesson list as a ruled index ---------- */
.lesson-list{gap:0;margin-top:0;border-top:2px solid #12161f}
.lesson-item{gap:24px;padding:20px 4px;background:none;border:none;border-bottom:1px solid #e4e7ed;border-radius:0}
.lesson-item:hover{border-color:#e4e7ed;background:#fbfcfd;transform:none}
.lesson-num{width:auto;height:auto;background:none;color:var(--acc-d);border-radius:0;font-size:13px;font-weight:500;min-width:28px;justify-content:flex-start}
.lesson-title{font-size:17px;letter-spacing:-0.01em}
.lesson-desc{font-size:14px;color:#5a6478;margin-top:4px}
.lesson-arrow{opacity:1;color:#9aa3b4;transition:color .15s}
.lesson-item:hover .lesson-arrow{color:var(--acc)}
.more-lessons{text-align:left;margin-top:20px;font-size:15px;color:#5a6478}
.more-lessons a{color:var(--acc-d);border-bottom:1px solid currentColor}

/* ---------- Closing banner ---------- */
.cta-banner{position:relative;overflow:hidden;text-align:left;padding:112px max(40px,calc((100vw - 1200px)/2 + 40px));background:#12161f}
.cta-banner > :not(.sp-band-trail){position:relative;z-index:1}
.cta-banner::before{display:none}
.cta-banner h2{font-size:clamp(40px,5.2vw,72px);letter-spacing:-0.04em;line-height:1;margin-bottom:18px}
.cta-banner p{font-size:17px;color:rgba(255,255,255,0.62);margin-bottom:32px}
.cta-banner .btn-primary{background:#fff;color:#12161f;box-shadow:none}
.cta-banner .btn-primary:hover{background:#e4e7ed}

footer{background:#fff}

/* ---------- Responsive ---------- */
@media(max-width:960px){
  .hero{grid-template-columns:1fr;grid-template-areas:"eyebrow" "title" "sub" "actions" "viz" "stats";row-gap:0}
  .hero:has(.sp-viz-fail){grid-template-areas:"eyebrow" "title" "sub" "actions" "stats"}
  .hero-visual{margin-top:48px;max-width:560px;width:100%}
  .hero-visual::before{inset:-28px 0}
  .stats-strip{margin-top:48px}
  .features-grid,.topics-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  nav{height:58px;padding:0 20px}
  .hero{padding:96px 20px 0}
  .hero-visual{margin-top:40px}
  .hero h1{font-size:42px;margin-bottom:24px}
  .hero h1 br{display:none}
  .hero-sub{font-size:17px}
  .hero-actions{flex-direction:column;align-items:stretch;width:100%}
  .btn-primary,.btn-secondary{justify-content:center}
  .stats-strip{grid-template-columns:1fr 1fr;margin-top:44px}
  .stat-item{padding:20px 0 22px 18px;border-top:1px solid #e4e7ed}
  .stat-item:nth-child(odd){border-left:none;padding-left:0}
  .stat-item:nth-child(-n+2){border-top:none}
  .stat-num{font-size:30px}
  .features,.topics,.how,.lp-sec{padding:64px 20px}
  .section-title{margin-bottom:32px}
  .section-title br{display:none}
  .features-grid,.topics-grid{grid-template-columns:1fr}
  .feature-card,.topic-card{padding:26px 22px}
  .steps{grid-template-columns:1fr;gap:32px}
  .cta-banner{padding:64px 20px}
  .cta-banner h2{font-size:44px}
}