/* Marže & Metoda — Personal Finance Editorial
   Palette:
   --ink   #16130F  (near-black warm ink)
   --paper #FBF9F4  (warm paper)
   --sand  #E7E0D3  (muted sand rule)
   --plum  #4A2E45  (deep plum, editorial accent)
   --brass #B98A3E  (brass/gold, data + emphasis)
   --slate #6B6459  (muted caption text)
*/

:root{
  --ink:#16130F;
  --paper:#FBF9F4;
  --sand:#E7E0D3;
  --plum:#4A2E45;
  --brass:#B98A3E;
  --slate:#6B6459;
  --line:#D8D0C0;
  --maxw:1200px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  font-size:18px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--plum);text-decoration:none}
a:hover{text-decoration:underline}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}

/* ---------- Type ---------- */
h1,h2,h3,h4{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-weight:800;
  letter-spacing:-0.02em;
  line-height:1.02;
  color:var(--ink);
}
.eyebrow{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-weight:700;
  font-size:12px;
  letter-spacing:0.22em;
  text-transform:uppercase;
  color:var(--brass);
}
.lead{font-size:22px;line-height:1.5;color:var(--slate)}
.num{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;color:var(--plum)}

/* ---------- Header ---------- */
header.site{
  position:sticky;top:0;z-index:50;
  background:rgba(251,249,244,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.bar{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;font-size:20px;letter-spacing:-0.02em;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand svg{width:34px;height:34px;flex:none}
nav.main{display:flex;gap:26px;align-items:center}
nav.main a{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  font-weight:600;font-size:15px;color:var(--ink);
}
nav.main a.cta{
  background:var(--ink);color:var(--paper);
  padding:10px 18px;border-radius:2px;
}
nav.main a.cta:hover{background:var(--plum);text-decoration:none}
.menu-btn{display:none;background:none;border:1px solid var(--line);
  font-size:22px;padding:6px 12px;cursor:pointer;color:var(--ink)}

/* ---------- Hero ---------- */
.hero{padding:78px 0 64px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.15fr 0.85fr;gap:54px;align-items:end}
.hero h1{font-size:clamp(44px,7vw,90px)}
.hero .lead{margin-top:26px;max-width:38ch}
.hero-figure{position:relative}
.hero-figure img{width:100%;height:520px;object-fit:cover;border-radius:2px}
.hero-figure figcaption{margin-top:10px;font-size:13px;color:var(--slate)}
.hero-stats{display:flex;gap:38px;margin-top:40px;flex-wrap:wrap}
.hero-stats .num{font-size:40px;display:block}
.hero-stats span.k{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;letter-spacing:0.06em;color:var(--slate);text-transform:uppercase}

/* ---------- Sections ---------- */
section{padding:72px 0}
section.tight{padding:52px 0}
.section-head{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:44px}
.section-head h2{font-size:clamp(30px,4.4vw,52px)}
.section-head p{color:var(--slate)}
.rule{height:1px;background:var(--line);border:0;margin:0}

/* ---------- Article cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}
.card{display:flex;flex-direction:column}
.card .thumb{overflow:hidden;border-radius:2px}
.card .thumb img{height:230px;width:100%;object-fit:cover;transition:transform .5s ease}
.card:hover .thumb img{transform:scale(1.05)}
.card .kicker{margin:16px 0 8px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:0.14em;text-transform:uppercase;color:var(--brass)}
.card h3{font-size:23px;margin-bottom:10px}
.card p{color:var(--slate);font-size:16px}
.card .more{margin-top:14px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:700;font-size:14px;color:var(--plum)}

/* ---------- Feature split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{height:460px;width:100%;object-fit:cover;border-radius:2px}
.split.rev .txt{order:2}

/* ---------- Editorial list ---------- */
.editorial{display:grid;grid-template-columns:auto 1fr;gap:28px 34px;align-items:start}
.editorial .n{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;font-size:34px;color:var(--brass);line-height:1}
.editorial h3{font-size:24px;margin-bottom:8px}
.editorial p{color:var(--slate);margin-bottom:20px}
.editorial-row{display:contents}

/* ---------- Pricing ---------- */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.tier{border:1px solid var(--line);border-radius:2px;padding:34px 30px;background:#fff;display:flex;flex-direction:column}
.tier.mark{border-color:var(--plum);box-shadow:0 20px 50px -30px rgba(74,46,69,0.5)}
.tier .name{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;font-size:20px}
.tier .price{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;font-size:46px;margin:14px 0 4px;letter-spacing:-0.03em}
.tier .price small{font-size:16px;font-weight:600;color:var(--slate)}
.tier .desc{color:var(--slate);font-size:15px;min-height:48px}
.tier ul{list-style:none;margin:22px 0 26px}
.tier li{padding:9px 0;border-top:1px solid var(--line);font-size:15px;display:flex;gap:10px}
.tier li::before{content:"—";color:var(--brass)}
.tier .btn{margin-top:auto}
.badge{display:inline-block;background:var(--plum);color:#fff;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:11px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;padding:5px 10px;border-radius:2px;margin-bottom:14px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:700;font-size:15px;
  padding:13px 24px;border-radius:2px;border:1px solid var(--ink);background:var(--ink);color:var(--paper);cursor:pointer;text-align:center}
.btn:hover{background:var(--plum);border-color:var(--plum);text-decoration:none}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:var(--paper)}

/* ---------- Quote band ---------- */
.band{background:var(--ink);color:var(--paper);padding:84px 0}
.band .eyebrow{color:var(--brass)}
.band blockquote{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;letter-spacing:-0.02em;font-size:clamp(28px,4vw,46px);line-height:1.1;max-width:20ch;margin:18px 0 22px}
.band cite{font-style:normal;color:#cfc6b6;font-size:15px}

/* ---------- Forms ---------- */
form.contact{display:grid;grid-template-columns:1fr 1fr;gap:20px}
form.contact .full{grid-column:1/-1}
label{display:block;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:600;font-size:13px;letter-spacing:0.04em;margin-bottom:7px;text-transform:uppercase;color:var(--slate)}
input,select,textarea{width:100%;font-family:inherit;font-size:16px;padding:13px 14px;border:1px solid var(--line);border-radius:2px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--plum);outline-offset:1px;border-color:var(--plum)}
textarea{min-height:150px;resize:vertical}
.checkrow{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--slate)}
.checkrow input{width:auto;margin-top:4px}
.form-note{font-size:14px;color:var(--slate)}
.form-ok{display:none;background:#efeadd;border:1px solid var(--brass);padding:16px 18px;border-radius:2px;color:var(--ink);font-size:15px;grid-column:1/-1}

/* ---------- Info grid ---------- */
.info{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.info .box{border-top:2px solid var(--ink);padding-top:16px}
.info .box h4{font-size:16px;margin-bottom:6px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.info .box p{color:var(--slate);font-size:15px}

/* ---------- Prose (legal / article) ---------- */
.prose{max-width:760px}
.prose h2{font-size:30px;margin:38px 0 14px}
.prose h3{font-size:21px;margin:26px 0 10px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.prose p{margin-bottom:16px;color:#2c2820}
.prose ul,.prose ol{margin:0 0 18px 22px;color:#2c2820}
.prose li{margin-bottom:8px}
.prose .updated{color:var(--slate);font-size:14px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif}
.toc{background:#fff;border:1px solid var(--line);border-radius:2px;padding:22px 26px;margin-bottom:34px}
.toc strong{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;letter-spacing:0.1em;text-transform:uppercase;color:var(--slate)}
.toc ol{margin:12px 0 0 20px}

/* ---------- Table ---------- */
table.pt{width:100%;border-collapse:collapse;margin:22px 0}
table.pt th,table.pt td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);font-size:15px}
table.pt th{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:0.08em;text-transform:uppercase;color:var(--slate)}

/* ---------- Newsletter strip ---------- */
.strip{border:1px solid var(--line);border-radius:2px;padding:40px;display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;background:#fff}
.strip form{display:flex;gap:12px}
.strip input{min-width:280px}

/* ---------- Footer ---------- */
footer.site{background:var(--ink);color:#d9d1c2;padding:64px 0 30px;margin-top:0}
footer.site a{color:#d9d1c2}
footer.site a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.foot-grid h5{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:12px;letter-spacing:0.14em;text-transform:uppercase;color:var(--brass);margin-bottom:16px}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:10px;font-size:15px}
.foot-brand{display:flex;align-items:center;gap:10px;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;font-size:19px;color:#fff;margin-bottom:14px}
.foot-brand svg{width:30px;height:30px}
.foot-bottom{border-top:1px solid #2c281f;margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px;color:#9a9182}
.disclaimer{font-size:13px;color:#9a9182;max-width:60ch;margin-top:8px}

/* ---------- Page hero (inner) ---------- */
.pagehead{padding:64px 0 40px;border-bottom:1px solid var(--line)}
.pagehead h1{font-size:clamp(38px,6vw,72px)}
.pagehead p{margin-top:18px;max-width:52ch;color:var(--slate)}
.crumb{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:13px;letter-spacing:0.06em;color:var(--slate);margin-bottom:18px}
.crumb a{color:var(--slate)}

/* ---------- Cookie banner ---------- */
.cookie{position:fixed;left:20px;right:20px;bottom:20px;z-index:100;max-width:var(--maxw);margin:0 auto;
  background:var(--ink);color:var(--paper);border-radius:3px;padding:22px 26px;
  display:none;grid-template-columns:1fr auto;gap:22px;align-items:center;box-shadow:0 30px 60px -20px rgba(0,0,0,.5)}
.cookie.show{display:grid}
.cookie p{font-size:14px;color:#e5ddce}
.cookie p a{color:var(--brass)}
.cookie .actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie .btn{padding:10px 18px;font-size:14px}
.cookie .btn.ghost{color:var(--paper);border-color:#4a4436}
.cookie .btn.ghost:hover{background:var(--paper);color:var(--ink)}

/* ---------- Responsive ---------- */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero-figure img{height:360px}
  .cards{grid-template-columns:1fr 1fr}
  .tiers{grid-template-columns:1fr}
  .split{grid-template-columns:1fr;gap:28px}
  .split.rev .txt{order:0}
  .split img{height:340px}
  .section-head{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .info{grid-template-columns:1fr}
  .strip{grid-template-columns:1fr}
}
@media(max-width:640px){
  body{font-size:17px}
  nav.main{display:none;position:absolute;top:74px;left:0;right:0;flex-direction:column;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 28px;gap:16px}
  nav.main.open{display:flex}
  .menu-btn{display:block}
  .cards{grid-template-columns:1fr}
  form.contact{grid-template-columns:1fr}
  .editorial{grid-template-columns:1fr;gap:6px 0}
  .editorial .n{font-size:26px}
  .foot-grid{grid-template-columns:1fr}
  .cookie{grid-template-columns:1fr}
  .strip form{flex-direction:column}
  .strip input{min-width:0;width:100%}
}