@font-face{font-family:"Gelasio";src:url(../fonts/gelasio-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Gelasio";src:url(../fonts/gelasio-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Albert Sans";src:url(../fonts/albert-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Albert Sans";src:url(../fonts/albert-sans-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Albert Sans";src:url(../fonts/albert-sans-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Albert Sans";src:url(../fonts/albert-sans-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

/* Stretching Money Today: paper, banknote green, tomato "cut" red; serif headlines, clean sans body */
:root{
  --bg:#fbf8f1; --surface:#ffffff; --tint:#f1ece0;
  --ink:#1b211d; --ink-soft:#545b55;
  --accent:#1d3b2a; --accent-deep:#12281c; --accent-soft:#e3ece4; --on-accent:#fff;
  --hot:#e4572e; --hot-soft:#fde6dc; --cream:#f5ecd2;
  --link:#1d5a3a; --ok:#2a7a4b; --ok-soft:#dcefe2; --bad:#b4342c; --bad-soft:#fbe2df;
  --line:#e6dfd0; --field:#b0a893;
  --head:"Gelasio",Georgia,serif; --head-w:700; --head-track:-.01em;
  --sans:"Albert Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1180px; --r-sm:6px; --r-md:10px; --r-btn:6px;
}
.eyebrow{font-weight:700;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--hot);margin-bottom:.8em}
.tag{display:inline-block;font-weight:700;font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:#fff;background:var(--hot);padding:.35em .8em;border-radius:3px;margin-bottom:14px}
.section-h{margin-bottom:26px}
.btn-hot{background:var(--hot);color:#fff;border-color:var(--hot)}
.btn-hot:hover{background:#c94420;border-color:#c94420;color:#fff}

.masthead{background:var(--bg);border-bottom:2px solid var(--ink)}
.brand-text{font:600 1.3rem var(--head)}
.brand-text b{font-weight:700;color:var(--hot)}
.nav a{color:var(--ink);border-radius:4px}
.nav a:hover{background:var(--tint)}
.nav a[aria-current]{text-decoration:underline;text-decoration-color:var(--hot);text-decoration-thickness:3px;text-underline-offset:.4em}
.nav .nav-login{border:2px solid var(--ink);padding:.38em 1em}
.nav .nav-btn{background:var(--accent);color:#fff;padding:.45em 1.05em;border:2px solid var(--accent)}
.nav .nav-btn:hover,.nav .nav-btn[aria-current]{background:var(--accent-deep);color:#fff;border-color:var(--accent-deep);text-decoration:none}
.menu summary{color:var(--ink)}

.hero{padding:64px 0 76px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:60px;align-items:center}
.hero h1{font-size:clamp(2.4rem,5vw,3.8rem);line-height:1.05;max-width:15ch}
.hero .lede{max-width:52ch}
.receipt{margin:0;background:#fff;padding:26px 28px 22px;box-shadow:0 24px 48px -28px rgba(27,33,29,.45);position:relative;transform:rotate(1.2deg);border-top:1px solid var(--line)}
.receipt::after{content:"";position:absolute;left:0;right:0;bottom:-12px;height:12px;background:linear-gradient(-45deg,transparent 8px,#fff 0) 0 0/16px 12px,linear-gradient(45deg,transparent 8px,#fff 0) 0 0/16px 12px}
.rc-head{font:700 1.25rem var(--head);display:flex;justify-content:space-between;align-items:baseline;border-bottom:2px dashed var(--line);padding-bottom:10px;margin:0 0 6px}
.rc-head span{font:600 .8rem var(--sans);color:var(--ink-soft);text-transform:uppercase;letter-spacing:.08em}
.rc-lines{list-style:none;margin:0;padding:0}
.rc-lines li{display:grid;grid-template-columns:1fr auto auto;gap:14px;padding:9px 0;border-bottom:1px dotted var(--line);font-variant-numeric:tabular-nums;align-items:baseline}
.rc-lines s{color:var(--ink-soft);text-decoration-color:var(--hot);text-decoration-thickness:2px}
.rc-lines b{color:var(--ok);min-width:3.2em;text-align:right}
.rc-total{display:flex;justify-content:space-between;align-items:baseline;margin:14px 0 2px;font-weight:700}
.rc-total b{font:700 2rem var(--head);color:var(--hot)}
.rc-year{margin:0 0 10px;font-weight:600}
.receipt figcaption{font-size:.84rem;color:var(--ink-soft)}

.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--ink)}
.way{padding:24px 26px 26px 0;display:flex;flex-direction:column}
.way+.way{padding-left:26px;border-left:1px solid var(--line)}
.way-n{font:700 2.4rem/1 var(--head);color:var(--hot);margin-bottom:10px}
.way p{color:var(--ink-soft)}
.way a{margin-top:auto;font-weight:700}
.section-tint{background:var(--tint)}
.topic-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.topic h3{font-size:1.15rem;padding-bottom:.45em;border-bottom:2px solid var(--ink)}
.topic ul{list-style:none;margin:0;padding:0}
.topic li{padding:.55em 0;border-bottom:1px solid #ddd4c0}
.topic a{display:block;color:var(--ink);text-decoration:none;font-weight:600;line-height:1.3}
.topic a:hover{color:var(--link);text-decoration:underline}
.topic li span{font-size:.8rem;color:var(--ink-soft)}
.free-row{display:grid;grid-template-columns:300px 1fr;gap:64px;align-items:center}
.pdf-page.p1{border-top-color:var(--hot)}
.pdf-page.p2{background:var(--accent-soft)}.pdf-page.p3{background:var(--cream)}
.product-band{background:var(--accent);color:#cddbd1;padding:76px 0}
.product-band h2{color:#fff}
.product-band .lede{color:#c3d3c8}
.product-band .price-line strong{color:#ffb497;font:700 1.7rem var(--head)}
.product-teaser{display:grid;grid-template-columns:1.25fr 1fr;gap:56px;align-items:center}
.band-signup{background:var(--cream)}

.page-head{background:var(--surface);border-bottom:1px solid var(--line)}
.page-head .group-tabs{position:static;background:none;margin:22px 0 0}
.hub-group{display:grid;grid-template-columns:260px 1fr;gap:40px;padding:34px 0;border-top:1px solid var(--line)}
.hub-group:first-child{border-top:0;padding-top:0}
.hub-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:6px 32px}
.hub-list li{padding:.8em 0;border-bottom:1px solid var(--line)}
.hub-list a{font:700 1.15rem var(--head)}
.hub-list p{margin:.25em 0 0;color:var(--ink-soft);font-size:.96rem}
.hub-list .meta,.meta-line{font-size:.86rem;color:var(--ink-soft)}
.effort{display:inline-block;font-weight:700;font-size:.78rem;background:var(--hot-soft);color:#a6391b;padding:.15em .55em;border-radius:3px;margin-right:6px}
.guide-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:44px;padding-bottom:64px}
.guide-body{max-width:70ch}
.guide-body h2{margin-top:1.3em;font-size:1.5rem}
.guide-body li{margin-bottom:.4em}
.intro{font-size:1.18rem;line-height:1.6}
.memo-box{background:var(--cream);border:1px solid #e7d9b2;border-radius:var(--r-sm);padding:20px 24px;margin:2em 0}
.memo-box h2{font-size:1.2rem;margin:0 0 .5em}
.memo-box ul{margin:0;padding-left:1.2em}
.guide-side{display:flex;flex-direction:column;gap:20px}
.side-kit{background:var(--accent-soft);border-color:#cddccf}

.script-list{display:flex;flex-direction:column;gap:28px}
.script{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--accent);padding:26px;scroll-margin-top:20px}
.script h2{font-size:1.6rem}
.script-cols{display:grid;grid-template-columns:.8fr 1.3fr 1fr;gap:28px}
.script h3{font:700 .82rem var(--sans);text-transform:uppercase;letter-spacing:.1em;color:var(--hot);margin-bottom:.8em}
.line{background:var(--accent-soft);border-radius:var(--r-sm);padding:10px 14px;font-size:1rem;margin:0 0 10px;position:relative}
.line.alt{background:var(--tint)}

.audit-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start}
.audit-steps{padding-left:1.3em}
.audit-steps li{margin-bottom:.9em}
.decide{background:var(--surface);border:1px solid var(--line);padding:24px}
.decide dl{margin:0}
.decide dl div{padding:12px 14px;border-radius:var(--r-sm);margin-bottom:10px}
.decide dt{font:700 1.15rem var(--head)}
.decide dd{margin:0;color:var(--ink-soft)}
.decide .k{background:var(--ok-soft)}.decide .d{background:var(--accent-soft)}.decide .r{background:var(--cream)}.decide .c{background:var(--hot-soft)}
.common-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:20px}
.common h3{font-size:1.1rem;border-bottom:2px solid var(--ink);padding-bottom:.4em}
.common ul{list-style:none;margin:0;padding:0}
.common li{padding:.45em 0;border-bottom:1px solid #ddd4c0}

.tool-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:start}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:24px}
.bill-table{width:100%;border-collapse:collapse;margin-bottom:18px}
.bill-table th,.bill-table td{padding:6px 6px;text-align:left;border-bottom:1px solid var(--line)}
.bill-table thead th{font-size:.85rem;color:var(--ink-soft);font-weight:700}
.bill-table tbody th{font-weight:600}
.bill-table input{width:100%;min-width:0}
.calc-out{background:var(--accent);color:#cddbd1;border-radius:var(--r-md);padding:30px;position:sticky;top:20px}
.calc-k{font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:#ffb497;margin:0 0 6px}
.calc-big{font:700 clamp(2.4rem,4.4vw,3.3rem)/1.05 var(--head);color:#fff;margin-bottom:18px}
.calc-big small{font:500 1.05rem var(--sans);color:#c3d3c8}
.calc-nums{margin:0 0 14px;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc-nums div{background:rgba(255,255,255,.1);border-radius:var(--r-sm);padding:12px}
.calc-nums dt{font-size:.86rem;color:#b8cbbd}
.calc-nums dd{margin:0;font-weight:700;font-size:1.3rem;color:#fff}
.calc-fine{margin:14px 0 0;padding-top:14px;border-top:1px solid rgba(255,255,255,.2);color:#b8cbbd}

.club-hero{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.club-hero .actions+.small{margin-top:14px}
.day-mock{background:#fff;border:1px solid var(--line);box-shadow:0 24px 48px -28px rgba(27,33,29,.5);padding:24px}
.dm-head{font:700 1.35rem var(--head);margin:0 0 14px;display:flex;flex-direction:column}
.dm-head span{font:700 .78rem var(--sans);color:var(--hot);text-transform:uppercase;letter-spacing:.12em}
.dm-steps{margin:0 0 18px;padding-left:1.3em}
.dm-steps li{padding:5px 0}
.dm-steps li.done{color:var(--ink-soft);text-decoration:line-through}
.dm-cal{display:grid;grid-template-columns:repeat(10,1fr);gap:4px}
.dm-cal span{font-size:.75rem;text-align:center;padding:5px 0;border-radius:3px;background:var(--tint);color:var(--ink-soft)}
.dm-cal .done{background:var(--accent);color:#fff}
.dm-cal .now{background:var(--hot);color:#fff;font-weight:700}
.phase-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.phase-list li{border-top:4px solid var(--accent);padding-top:14px}
.phase-list li:nth-child(odd){border-top-color:var(--hot)}
.ph-d{font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--ink-soft)}
.phase-list h3{margin:.3em 0}
.phase-list p{color:var(--ink-soft);font-size:.96rem}
.steps-row li{border-top-color:var(--accent)}
.club-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px}

.footer{background:var(--accent-deep);color:#b9cbbd}
.footer a{color:#fff}
.footer-brand{font:700 1.45rem var(--head);color:#fff}
.footer-h{color:#ffb497}
.footer-base{border-top:1px solid rgba(255,255,255,.14);color:#8ea896}

@media (max-width:1100px){.topic-cols,.common-grid{grid-template-columns:1fr 1fr}.phase-list{grid-template-columns:repeat(3,1fr)}.script-cols{grid-template-columns:1fr 1fr}.sc-ready{grid-column:1/-1}}
@media (max-width:960px){
  .hero-grid,.product-teaser,.club-hero,.guide-grid,.hub-group,.free-row,.tool-grid,.club-grid,.audit-grid{grid-template-columns:1fr}
  .hub-list{grid-template-columns:1fr}
  .calc-out{position:static}
  .ways{grid-template-columns:1fr}
  .way,.way+.way{padding:20px 0;border-left:0;border-bottom:1px solid var(--line)}
}
@media (max-width:600px){
  .hero{padding:36px 0 56px}
  .topic-cols,.common-grid,.phase-list,.script-cols{grid-template-columns:1fr}
  .receipt{transform:none;padding:20px}
  .brand-text{font-size:1.1rem}
  .brand-mark{width:34px;height:34px}
}