:root{--ink:#101010;--muted:#666;--paper:#fff;--cream:#f6f1e8;--line:#d9d5cc;--red:#7a3038;--blue:#1769aa;--green:#196b4b;--gold:#b28b3a;--soft:#f7f8fa;--shadow:0 18px 50px rgba(0,0,0,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}.container{width:min(1180px,calc(100% - 40px));margin:auto}.utility-bar{background:#0d0d0d;color:#fff;font-size:12px;letter-spacing:.08em;text-transform:uppercase}.utility-inner{height:34px;display:flex;align-items:center;justify-content:space-between}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid #ddd;backdrop-filter:blur(12px)}.nav-wrap{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;color:var(--ink);display:flex;flex-direction:column;line-height:1}.brand-logo{display:block;width:230px;max-width:32vw;height:auto;object-fit:contain}.brand small{margin-top:5px;font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:#666}.main-nav{display:flex;gap:20px;align-items:center}.main-nav a{text-decoration:none;color:#222;font-size:14px;font-weight:700}.ask-link{color:var(--blue)!important}.login-link{border-left:1px solid #ccc;padding-left:18px;color:var(--red)!important}.menu-btn{display:none;border:1px solid #222;background:#fff;padding:10px 14px;font-weight:700}.market-strip{overflow:hidden;border-bottom:1px solid #222;background:#f5f2eb}.ticker-track{display:flex;white-space:nowrap;gap:0;animation:ticker 32s linear infinite}.ticker-track span{padding:10px 28px;border-right:1px solid #b9b3a8;font-size:13px}.ticker-track b{margin-right:8px}@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-35%)}}
.hero{background:linear-gradient(120deg,#fff 0%,#fff 63%,#f3eee5 63%);border-bottom:1px solid #222}.hero-grid{display:grid;grid-template-columns:1.35fr .85fr;gap:64px;align-items:start;min-height:auto;padding:58px 0 72px}.eyebrow{font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:800;color:var(--red);margin:0 0 14px}.hero h1,.section h2{font-family:Georgia,'Times New Roman',serif;line-height:1.03;letter-spacing:-.035em}.hero h1{font-size:clamp(48px,6vw,78px);max-width:800px;margin:0 0 24px}.hero-lead{font-size:21px;max-width:760px;color:#3b3b3b}.hero-actions{display:flex;gap:14px;margin:34px 0}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 20px;border:1px solid #111;text-decoration:none;font-weight:800;font-size:14px;cursor:pointer}.btn-primary{background:#7a3038;border-color:#7a3038;color:#fff}.btn-primary:hover{background:#5f252c;border-color:#5f252c}.btn-light{background:#fff;color:#111}.btn-dark{background:#111;color:#fff}.full{width:100%}.trust-row{display:flex;gap:20px;flex-wrap:wrap;font-size:13px;color:#555}.savingz-card{background:#fff;border:1px solid #111;padding:26px;box-shadow:12px 12px 0 #d9c9aa}.assistant-head{display:flex;gap:14px;align-items:center;border-bottom:1px solid #ddd;padding-bottom:18px}.assistant-head strong{display:block;font-size:22px}.assistant-head small{color:#666}.savingz-mark{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:#111;color:#fff;font-family:Georgia;font-size:24px;font-weight:900}.assistant-bubble{background:#f1f4f7;border-left:4px solid var(--blue);padding:16px;margin:20px 0;font-weight:700}.quick-prompts{display:grid;gap:10px}.quick-prompts button{background:#fff;border:1px solid #bbb;text-align:left;padding:12px 14px;font-weight:700;cursor:pointer}.quick-prompts button:hover,.quick-prompts button:focus{border-color:#7a3038;color:#5f252c;background:#f5f0e8;outline:none}.assistant-note{font-size:12px;color:#777;margin:18px 0 0}.insight-band{background:#111;color:#fff}.insight-grid{display:grid;grid-template-columns:repeat(4,1fr)}.insight-grid article{padding:24px;border-right:1px solid #3b3b3b}.insight-grid strong{display:block;font-family:Georgia;font-size:20px;margin-bottom:5px}.insight-grid span{font-size:13px;color:#bbb}.section{padding:88px 0}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:36px;border-bottom:3px double #111;padding-bottom:20px}.section-heading h2,.calc-intro h2,.realestate-grid h2,.about-grid h2,.contact-grid h2{font-size:clamp(34px,4vw,54px);margin:0}.section-heading>p{max-width:420px;color:#666}.tool-cards{display:grid;grid-template-columns:1fr 1fr;gap:26px}.tool-card{border:1px solid #222;padding:32px;position:relative;background:#fff}.tool-card.featured{background:var(--cream)}.tool-label{font-size:11px;letter-spacing:.15em;color:var(--red);font-weight:900}.tool-card h3{font-family:Georgia;font-size:30px;line-height:1.1;margin:12px 0}.tool-card li{margin:8px 0}.text-link{color:var(--red);font-weight:800;text-decoration:none}.calculator-section{background:#f1f3f5}.calc-shell{display:grid;grid-template-columns:.75fr 1.4fr .9fr;gap:24px;align-items:start}.calc-intro{padding:20px 18px 0 0}.calc-tip{margin-top:25px;background:#fff5d9;border-left:4px solid var(--gold);padding:15px;font-size:13px}.calc-panel,.results-panel{background:#fff;border:1px solid #cdd1d6;padding:24px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-grid label,.comparison-inputs label,.lead-form label{font-size:12px;font-weight:800;color:#444}.form-grid input,.form-grid select,.comparison-inputs input,.lead-form input,.lead-form select{width:100%;margin-top:6px;padding:11px;border:1px solid #bbb;background:#fff;font-size:15px}.calc-panel .btn{margin-top:18px}.result-hero{border-bottom:1px solid #ddd;padding-bottom:18px;margin-bottom:18px}.result-hero span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:#777}.result-hero strong{display:block;font-family:Georgia;font-size:34px;margin-top:5px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.result-grid div{background:#f5f6f7;padding:14px}.result-grid span{display:block;font-size:11px;color:#666}.result-grid strong{display:block;font-size:18px;margin-top:4px}.health-note{margin:18px 0;background:#fff4e8;border-left:4px solid var(--red);padding:14px;font-size:13px}.comparison-section{background:#fff}.comparison-shell{display:grid;grid-template-columns:300px 1fr;gap:30px}.comparison-inputs{background:#111;color:#fff;padding:24px;display:grid;gap:14px}.comparison-inputs label{color:#eee}.comparison-table-wrap{overflow:auto}.comparison-table{width:100%;border-collapse:collapse;min-width:700px}.comparison-table th{text-align:left;background:#eee5d6;padding:14px;border-top:2px solid #111;border-bottom:1px solid #111}.comparison-table td{padding:14px;border-bottom:1px solid #ddd}.comparison-table td:not(:first-child){text-align:right}.table-note{font-size:12px;color:#777}.family-section{background:var(--cream)}.family-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.family-cards article{background:#fff;border-top:5px solid #111;padding:28px}.family-cards article span{color:var(--red);font-weight:900}.family-cards h3{font-family:Georgia;font-size:28px;margin:12px 0}.realestate-section{background:#163a2c;color:#fff}.realestate-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}.realestate-section .eyebrow{color:#f1c86a}.property-points{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:24px}.property-points span:before{content:'✓';margin-right:8px;color:#f1c86a}.property-card{background:#fff;color:#111;padding:28px;border:1px solid #fff;box-shadow:12px 12px 0 rgba(255,255,255,.17)}.property-card strong{font-family:Georgia;font-size:26px}.property-card p{font-size:20px}.property-card div{display:flex;justify-content:space-between;border-top:1px solid #ddd;padding-top:16px}.property-card b{font-size:28px;color:var(--green)}.property-card small{display:block;color:#777;margin-top:12px}.market-section{background:#f5f5f4}.market-cards{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:20px}.market-cards article{background:#fff;border:1px solid #bbb;padding:25px}.market-cards span{font-size:11px;font-weight:900;color:var(--red);letter-spacing:.15em}.market-cards h3{font-family:Georgia;font-size:26px;line-height:1.15}.market-main{border-top:5px solid var(--red)!important}.about-section{background:#111;color:#fff}.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px}.about-grid .small{color:#aaa}.principles{display:grid;gap:1px;background:#444}.principles div{background:#191919;padding:24px}.principles strong{display:block;font-family:Georgia;font-size:25px}.principles span{color:#aaa}.contact-section{background:#f2e9dc}.contact-grid{display:grid;grid-template-columns:1fr 420px;gap:60px;align-items:center}.lead-form{background:#fff;border:1px solid #111;padding:24px;display:grid;gap:14px}.site-footer{padding:40px 0 25px;border-top:4px solid var(--red)}.footer-grid{display:flex;align-items:flex-start;justify-content:space-between}.footer-grid a{color:#111;margin-left:18px;font-weight:700}.legal{border-top:1px solid #ddd;margin-top:28px;padding-top:18px;color:#777;font-size:12px}
@media(max-width:980px){.main-nav{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:flex-start;border-bottom:1px solid #222}.main-nav.open{display:flex}.menu-btn{display:block}.hero{background:#fff}.hero-grid,.calc-shell,.realestate-grid,.about-grid,.contact-grid{grid-template-columns:1fr}.hero-grid{padding:60px 0}.savingz-card{box-shadow:8px 8px 0 #d9c9aa}.insight-grid{grid-template-columns:1fr 1fr}.tool-cards,.family-cards,.market-cards{grid-template-columns:1fr}.comparison-shell{grid-template-columns:1fr}.section-heading{align-items:flex-start;flex-direction:column}.calc-intro{padding-right:0}.contact-grid{gap:30px}}
@media(max-width:620px){.container{width:min(100% - 26px,1180px)}.utility-inner span:nth-child(2){display:none}.brand-word{font-size:28px}.hero h1{font-size:48px}.hero-lead{font-size:18px}.hero-actions{flex-direction:column}.btn{width:100%}.trust-row{display:grid;gap:8px}.insight-grid{grid-template-columns:1fr}.insight-grid article{border-right:0;border-bottom:1px solid #333}.section{padding:62px 0}.form-grid{grid-template-columns:1fr}.result-grid{grid-template-columns:1fr}.property-points{grid-template-columns:1fr}.footer-grid{flex-direction:column;gap:20px}.footer-grid a{display:block;margin:8px 0}.ticker-track{animation-duration:20s}}

@media(max-width:720px){.brand-logo{width:175px;max-width:58vw}.brand small{font-size:8px;letter-spacing:.12em}}
.savingz-logo-wrap{width:74px;height:46px;background:#000;display:flex;align-items:center;justify-content:center;overflow:hidden;flex:0 0 auto}
.savingz-logo-wrap img{width:100%;height:100%;object-fit:contain;display:block}
.contact-details{display:grid;gap:10px;margin-top:24px;padding-top:20px;border-top:1px solid rgba(0,0,0,.2)}
.contact-details a{color:#111;font-weight:800;text-decoration:none;width:max-content}
.contact-details address{font-style:normal;max-width:530px;line-height:1.55;color:#444}
.footer-brand img{width:220px;max-width:100%;height:auto;display:block}
.footer-contact{display:flex;gap:14px;flex-wrap:wrap;font-size:13px;margin-top:10px}
.footer-contact a{margin-left:0;color:#111;text-decoration:none}
@media(max-width:680px){.footer-grid{flex-direction:column;gap:26px}.footer-grid>div:last-child{display:flex;flex-direction:column;gap:10px}.footer-grid a{margin-left:0}.savingz-logo-wrap{width:68px;height:42px}}
.footer-reg{font-size:.82rem;line-height:1.45;color:rgba(255,255,255,.78);margin:.6rem 0 1rem}


/* Compact live Sensex / Nifty strip */
.market-inner{min-height:46px;display:flex;align-items:center;justify-content:center;gap:22px;white-space:nowrap}
.market-item{display:flex;align-items:baseline;gap:9px}.market-name{font-size:.78rem;font-weight:850;letter-spacing:.04em}.market-value{font-size:.98rem}.market-change{font-size:.82rem;font-weight:800}.market-change.up{color:#087b58}.market-change.down{color:#b20d20}.market-change.neutral{color:var(--muted)}.market-divider{width:1px;height:22px;background:var(--line)}.market-note{color:var(--muted);font-size:.7rem;margin-left:8px}
/* Goal planner addition – preserves the original Stocklife page */
#goal-planner{background:#f7f8fa}.profile-panel,.pension-toggle-panel,.pension-panel{background:#fff;border:1px solid #cdd1d6;padding:24px}.profile-panel{margin-bottom:28px}.profile-grid{grid-template-columns:1.4fr .7fr 1fr}.optional{font-weight:400;color:var(--muted)}.planner-title-row{display:flex;align-items:center;justify-content:space-between;gap:20px;margin:32px 0 16px}.planner-title-row h3{font-family:Georgia,serif;font-size:28px;margin:0}.planner-title-row p{margin:4px 0 0;color:var(--muted)}.goals-list{display:grid;gap:16px}.goal-card{background:#fff;border:1px solid var(--line);padding:22px}.goal-card-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}.goal-number{font-size:.75rem;letter-spacing:.12em;font-weight:800;color:var(--red)}.remove-goal{background:none;border:0;color:var(--red);cursor:pointer;font-weight:750}.goal-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.goal-grid label{font-size:.8rem;font-weight:750}.goal-grid input,.goal-grid select{width:100%;display:block;margin-top:6px;padding:11px;border:1px solid #bbb;font:inherit;background:#fff}.pension-toggle-panel{margin-top:22px}.switch-row{display:flex;align-items:center;justify-content:space-between;gap:20px;cursor:pointer}.switch-row span{display:flex;flex-direction:column}.switch-row small{color:var(--muted)}.switch-row input{width:22px;height:22px}.pension-panel{border-top:0}.hidden{display:none!important}.report-button{width:100%;margin-top:24px;font-size:1rem}.report{margin-top:50px;background:#fff;border:1px solid #bdb5a5;box-shadow:var(--shadow)}.report-header{display:flex;align-items:center;justify-content:space-between;padding:22px 28px;border-bottom:1px solid var(--line)}.report-header img{width:120px;height:auto;background:#000;padding:6px}.report-header p{font-weight:800;margin:4px 0 0}.report-id{text-align:right}.report-id span,.report-id small{display:block;color:var(--muted);font-size:.75rem}.report-id strong{font-size:1.08rem}.report-intro{padding:34px 28px 22px}.report-intro h2{font-size:2.2rem}.report-intro p{color:var(--muted)}.headline-results{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.headline-results>div{padding:20px;border-right:1px solid var(--line)}.headline-results>div:last-child{border:0}.headline-results span{display:block;font-size:.78rem;color:inherit;opacity:.75;margin-bottom:6px}.headline-results strong{font-size:1.1rem}.headline-results .highlight{background:#111;color:#fff}.report-section{padding:30px 28px;border-bottom:1px solid var(--line)}.report-section h3{font-family:Georgia,serif;font-size:1.55rem;margin-bottom:17px}.table-wrap{overflow-x:auto}.report table{width:100%;border-collapse:collapse;font-size:.88rem}.report th,.report td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}.report th{font-size:.74rem;text-transform:uppercase;letter-spacing:.05em}.pension-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.pension-summary div{border:1px solid var(--line);padding:16px}.pension-summary span{display:block;color:var(--muted);font-size:.78rem}.pension-summary strong{display:block;margin-top:5px}.affordability{margin:24px 28px;padding:18px;background:#f7f4ec;border-left:4px solid var(--green)}.affordability.shortfall{border-left-color:var(--red);background:#fff3f2}.assumptions{margin:0 28px 24px;border:1px solid var(--line);padding:14px 16px}.assumptions summary{font-weight:800;cursor:pointer}.assumptions p,.assumptions li{font-size:.84rem;color:var(--muted)}.privacy-note{margin:0 28px;padding:15px;background:#eef5ef;color:#31543e;font-size:.86rem}.report-actions{display:flex;gap:12px;flex-wrap:wrap;padding:22px 28px 28px}.report-footer{padding:22px 28px;border-top:1px solid var(--line);font-size:.78rem;color:var(--muted)}
@media(max-width:980px){.goal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.headline-results{grid-template-columns:1fr 1fr}.pension-summary{grid-template-columns:1fr 1fr}.tool-cards{grid-template-columns:1fr}}
@media(max-width:620px){.market-inner{gap:10px;justify-content:flex-start;overflow-x:auto}.market-item{gap:6px}.market-note{display:none}.market-divider{height:18px}.profile-grid,.goal-grid{grid-template-columns:1fr}.planner-title-row{align-items:flex-start;flex-direction:column}.headline-results,.pension-summary{grid-template-columns:1fr}.report-header{align-items:flex-start;gap:16px}.report-id{text-align:left}.report-actions .btn{width:100%}}
@media print{.utility-bar,.site-header,.market-strip,.hero,.insight-band,#calculators,#networth,#comparison,#families,.realestate-section,#market,#about,#contact,.site-footer,#goal-form,.section-heading,.no-print{display:none!important}#goal-planner{padding:0;background:#fff}.container{width:100%}.report{display:block!important;margin:0;border:0;box-shadow:none}.report-section{break-inside:avoid}.privacy-note{background:#fff;border:1px solid var(--line)}}

/* Multipage calculator layout */
.four-card-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.tool-card{transition:background-color .2s ease,border-color .2s ease,transform .2s ease,box-shadow .2s ease}.tool-card:hover{background:#fff1f4;border-color:var(--red);transform:translateY(-3px);box-shadow:0 10px 24px rgba(0,0,0,.08)}.tool-card:hover .text-link,.tool-card:hover h3{color:var(--red)}
.calculator-page{min-height:70vh}.page-hero{background:var(--cream);border-bottom:1px solid #222;padding:54px 0 42px}.page-hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(38px,5vw,64px);line-height:1.03;letter-spacing:-.035em;margin:0 0 16px;max-width:900px}.page-hero>div>p:not(.eyebrow){font-size:18px;color:#555;max-width:760px}.page-links{display:flex;gap:18px;margin-top:22px}.page-links a{font-weight:800;color:var(--red);text-decoration:none}.calculator-page .calculator-section,.calculator-page .comparison-section,.calculator-page #goal-planner{padding-top:64px}.calculator-page #networth,.calculator-page #comparison,.calculator-page #goal-planner{display:block!important}.calculator-page .section-heading{margin-top:0}.calculator-page .report{scroll-margin-top:110px}
@media(max-width:1050px){.four-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.four-card-grid{grid-template-columns:1fr}.page-hero{padding:40px 0 32px}}

/* Financial-newspaper refinement and lightweight Savingz assistant */
:root{--burgundy:#7a3038;--burgundy-dark:#5f252c;--newsprint:#f5f0e8;--newsprint-soft:#faf8f3;--charcoal:#242424}
.eyebrow,.tool-label,.text-link,.page-links a,.family-cards article span,.market-cards span{color:var(--burgundy)}
.btn-primary{box-shadow:none}
.savingz-card{background:var(--newsprint-soft);box-shadow:10px 10px 0 #d8d0c2}
.assistant-bubble{background:#f0eee9;border-left-color:var(--burgundy)}
.quick-prompts button{background:#fffdf9;border-color:#b9b1a5;transition:background-color .18s ease,border-color .18s ease,color .18s ease,transform .18s ease}
.quick-prompts button:hover{transform:translateX(3px)}
.savingz-answer{margin:14px 0 0;padding:15px 16px;background:#fff;border:1px solid #cfc8bc;border-left:4px solid var(--burgundy);font-size:14px}
.savingz-answer strong{display:block;margin-bottom:5px;font-family:Georgia,'Times New Roman',serif;font-size:18px}
.savingz-answer a{display:inline-block;margin-top:10px;color:var(--burgundy-dark);font-weight:800;text-decoration:none}
.savingz-input-row{display:flex;gap:8px;margin-top:12px}
.savingz-input-row input{min-width:0;flex:1;padding:11px 12px;border:1px solid #b9b1a5;background:#fff;font:inherit}
.savingz-input-row button{padding:11px 14px;border:1px solid var(--charcoal);background:var(--charcoal);color:#fff;font-weight:800;cursor:pointer}
.tool-card{transition:background-color .2s ease,border-color .2s ease,transform .2s ease,box-shadow .2s ease}
.tool-card:hover{background:var(--newsprint);border-color:#81786d;transform:translateY(-3px);box-shadow:0 10px 22px rgba(0,0,0,.07)}
.tool-card.featured:hover{background:#efe8dc}
@media(max-width:680px){.savingz-input-row{flex-direction:column}.savingz-input-row button{width:100%}}
/* Savingz financial terms library */
.terms-hero{background:#f4efe5}.terms-layout{display:grid;grid-template-columns:minmax(0,.92fr) minmax(380px,1.08fr);gap:28px;align-items:start}.term-search-box,.term-detail{background:#fffdf8;border:1px solid #b9b1a5}.term-search-box{padding:22px;position:sticky;top:96px;z-index:2}.term-search-box label{display:block;font-family:Georgia,'Times New Roman',serif;font-size:1.15rem;font-weight:700;margin-bottom:10px}.term-search-row{display:flex;gap:8px}.term-search-row input{width:100%;padding:13px;border:1px solid #a79f93;background:#fff;font:inherit}.term-search-row button{border:1px solid #2c2a27;background:#2c2a27;color:#fff;padding:0 16px;font-weight:800}.term-search-box select{width:100%;margin-top:10px;padding:11px;border:1px solid #b9b1a5;background:#fff}.az-index{display:flex;flex-wrap:wrap;gap:4px;margin-top:14px}.az-index button{width:28px;height:28px;border:1px solid #c6beb2;background:#f7f2e9;color:#5f252c;font-size:.72rem;font-weight:800;cursor:pointer}.term-count{font-size:.8rem;color:#6d675f;margin:12px 0 0}.term-results{display:grid;gap:8px;margin-top:14px;max-height:620px;overflow:auto;padding-right:4px}.term-result{display:grid;text-align:left;border:1px solid #d0c8bc;background:#fff;padding:13px 15px;cursor:pointer}.term-result:hover{background:#f4efe5;border-color:#7d7468}.term-result strong{font-family:Georgia,'Times New Roman',serif;font-size:1.05rem}.term-result span{font-size:.7rem;color:#7a3038;text-transform:uppercase;letter-spacing:.06em;font-weight:800;margin-top:3px}.term-result small{color:#59544d;margin-top:5px;line-height:1.35}.term-detail{position:sticky;top:96px;min-height:500px;padding:34px}.term-detail h2{font-family:Georgia,'Times New Roman',serif;font-size:2.5rem;margin:.25rem 0 1.5rem}.term-block{border-top:1px solid #d2cabd;padding:18px 0}.term-block h3,.term-related h3{font-family:Georgia,'Times New Roman',serif;margin:0 0 7px}.term-block p{margin:0;line-height:1.62}.term-block.simple{background:#f5f0e8;margin:0 -16px;padding:18px 16px;border-top:0}.term-block.caution{border-left:4px solid #7a3038;padding-left:16px}.term-related{border-top:1px solid #d2cabd;padding-top:18px}.term-related button{border:1px solid #b9b1a5;background:#fff;margin:3px 4px 3px 0;padding:7px 9px;cursor:pointer}.term-source-note{font-size:.76rem;color:#6d675f;border-top:1px solid #d2cabd;padding-top:18px;margin-top:22px}.term-placeholder{text-align:center;padding:60px 20px;color:#645f58}.term-placeholder img{width:130px;background:#111;padding:8px}.term-placeholder h2{font-size:1.8rem}.newspaper-note{border-top:4px double #2b2926;border-bottom:1px solid #2b2926;padding:28px 0;max-width:920px}.no-terms{padding:20px;background:#f5f0e8}.terms-boundary{padding-top:0}
@media(max-width:900px){.terms-layout{grid-template-columns:1fr}.term-search-box,.term-detail{position:static}.term-results{max-height:none}.term-detail{min-height:0}}
@media(max-width:560px){.term-search-row{flex-direction:column}.term-search-row button{padding:11px}.term-detail{padding:24px}.term-detail h2{font-size:2rem}}

.market-inner{min-height:44px;display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding:8px 0}.market-item{display:flex;align-items:baseline;gap:9px}.market-name{font-size:12px;font-weight:800;letter-spacing:.08em}.market-value{font-family:Georgia,'Times New Roman',serif;font-size:18px}.market-change{font-size:13px;font-weight:700}.market-up{color:#276749}.market-down{color:#9b2c2c}.market-divider{width:1px;height:22px;background:#c9c3b8}.market-note{margin-left:auto;color:#666}@media(max-width:650px){.market-inner{gap:10px}.market-divider{display:none}.market-note{width:100%;margin-left:0}.market-item{width:100%;justify-content:space-between}}

/* Market Headlines: compact financial-newspaper presentation */
.market-strip{display:none!important}
.headline-toolbar{display:flex;align-items:center;justify-content:space-between;gap:18px;margin:-16px 0 22px;color:#666;font-size:13px}
.headline-refresh{border:1px solid #8b8173;background:#fff;padding:8px 13px;font-weight:700;color:#342f29;cursor:pointer}
.headline-refresh:hover,.headline-refresh:focus{background:#f1ece2;border-color:#6f3138;outline:none}
.dynamic-headlines{grid-template-columns:1.15fr 1fr 1fr}
.headline-card{display:flex;flex-direction:column;min-height:300px;border-color:#bdb6aa!important;background:#fffdf8!important}
.headline-card h3{margin-bottom:12px}
.headline-card>p{margin-top:0;color:#3f3b36}
.headline-source{display:block;margin-top:auto;padding-top:18px;border-top:1px solid #ddd5c9;color:#756d63;font-size:12px}
.headline-actions{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:14px;flex-wrap:wrap}
.headline-link{color:#6f3138;font-size:13px;font-weight:800;text-decoration:none}
.why-button{border:0;background:transparent;padding:0;color:#333;font-size:12px;font-weight:800;text-decoration:underline;cursor:pointer}
.why-answer{margin:14px 0 0!important;padding:13px 14px;background:#f1ece2;border-left:3px solid #6f3138;font-size:13px;color:#292622!important}
.headline-disclaimer{margin:20px 0 0;color:#777;font-size:12px}
@media(max-width:980px){.dynamic-headlines{grid-template-columns:1fr}.headline-card{min-height:0}}


/* Savingz library answers */
.savingz-term-answer{display:grid;gap:.45rem}
.savingz-term-answer small{font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;color:#725b50}
.savingz-term-answer span{display:block;line-height:1.5}
.savingz-suggestions{margin-top:.75rem;padding-top:.65rem;border-top:1px solid rgba(76,49,38,.18)}
.savingz-related{margin:.3rem .25rem 0 0;padding:.35rem .55rem;border:1px solid #9b887b;background:#f7f1e7;color:#3e302a;border-radius:999px;cursor:pointer;font:inherit;font-size:.82rem}
.savingz-related:hover{background:#eee2cf;border-color:#6f263d}

/* Hero alignment fix: keep headline level with Ask Savingz card */
@media(min-width:981px){.hero-copy{padding-top:18px}.savingz-card{align-self:start}}

/* Glossary deep-link and balanced Ask Savingz result */
.term-result.active{background:#eee5d6;border-color:#7a3038;box-shadow:inset 4px 0 0 #7a3038}
.savingz-answer:not([hidden]){max-height:360px;overflow:auto;overscroll-behavior:contain;scrollbar-gutter:stable;padding-right:14px}
.savingz-card{max-height:calc(100vh - 130px);overflow:auto;overscroll-behavior:contain}
@media(max-width:980px){.savingz-card{max-height:none;overflow:visible}.savingz-answer:not([hidden]){max-height:320px}}


/* Savingz homepage compact layout — 2026-07-31 */
@media (min-width: 981px) {
  .hero-grid {
    gap: 54px;
    padding-top: 38px;
    padding-bottom: 48px;
  }
  .hero-copy {
    padding-top: 8px;
  }
  .savingz-card {
    padding: 20px 22px;
    max-height: none;
    overflow: visible;
    box-shadow: 9px 9px 0 #d8d0c2;
  }
  .assistant-head {
    gap: 12px;
    padding-bottom: 12px;
  }
  .assistant-head strong {
    font-size: 20px;
  }
  .savingz-logo-wrap {
    width: 70px;
    height: 43px;
  }
  .assistant-bubble {
    margin: 14px 0;
    padding: 12px 14px;
    font-size: 14px;
  }
  .quick-prompts {
    grid-template-columns: 1fr 1fr;
    gap: 8px;
  }
  .quick-prompts button {
    min-height: 44px;
    padding: 9px 10px;
    font-size: 13px;
    line-height: 1.25;
  }
  .quick-prompts button:last-child {
    grid-column: 1 / -1;
  }
  .savingz-input-row {
    margin-top: 10px;
  }
  .savingz-input-row input,
  .savingz-input-row button {
    padding-top: 9px;
    padding-bottom: 9px;
  }
  .assistant-note {
    margin-top: 10px;
    font-size: 11px;
  }
  .savingz-answer:not([hidden]) {
    max-height: 210px;
  }
}

@media (min-width: 981px) and (max-height: 820px) {
  .hero h1 {
    font-size: clamp(48px, 5.2vw, 68px);
    margin-bottom: 18px;
  }
  .hero-lead {
    font-size: 19px;
  }
  .hero-actions {
    margin: 24px 0;
  }
  .trust-row {
    gap: 16px;
  }
}

/* Question-led premium redesign — 2026-08-05 */
.question-led-site{background:#fbf8f3;color:#262421}.premium-hero{padding:68px 0 58px;background:linear-gradient(135deg,#f7f0e7 0%,#fffdf9 58%,#efe4d7 100%);border-bottom:1px solid #d9cec1}.premium-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(390px,.95fr);gap:58px;align-items:start}.premium-hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(46px,5.7vw,76px);line-height:1.02;letter-spacing:-.035em;max-width:790px;margin:.2em 0 .3em}.premium-hero .hero-lead{max-width:700px;font-size:20px;line-height:1.58;color:#4e4841}.premium-savingz{border:1px solid #bdb1a4;background:#fffdf9;box-shadow:12px 12px 0 #d5c8b9}.question-prompts{grid-template-columns:1fr 1fr}.question-prompts button{min-height:52px;text-align:left}.question-section{background:#fff}.question-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.question-card{display:block;padding:26px;border:1px solid #cfc4b7;background:#fffdf9;text-decoration:none;color:#282521;min-height:245px;transition:.2s ease}.question-card:hover{transform:translateY(-4px);border-color:#6f2b3c;box-shadow:0 14px 34px rgba(64,39,29,.09)}.question-card>span{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#efe6dc;color:#6f2b3c;font-weight:800}.question-card h3{font-family:Georgia,'Times New Roman',serif;font-size:25px;line-height:1.18;margin:20px 0 12px}.question-card p{line-height:1.6;color:#5b554e}.question-card strong{display:block;margin-top:22px;color:#6f2b3c}.featured-question{background:#6f2b3c;color:#fff;border-color:#6f2b3c}.featured-question>span{background:#fff;color:#6f2b3c}.featured-question p,.featured-question strong{color:#f5e9e0}.question-card.compact{min-height:180px}.question-card.compact h3{font-size:21px}.core-planning{background:#f1ebe3}.core-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid #bfb3a6;border-bottom:1px solid #bfb3a6}.core-grid article{padding:32px 28px;border-right:1px solid #bfb3a6}.core-grid article:last-child{border-right:0}.core-grid small{font-weight:800;letter-spacing:.09em;color:#6f2b3c}.core-grid h3{font-family:Georgia,'Times New Roman',serif;font-size:25px;margin:12px 0}.premium-tools-hero{background:#f3ece4}.three-core .question-card{min-height:280px}.status-tag{display:inline-block!important;padding:7px 10px;background:#f2e3d5;color:#6f2b3c!important;border-radius:999px;font-size:12px}.supporting-tools{background:#f3eee7}.supporting-tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.supporting-tool-grid a{display:block;padding:24px;background:#fff;border:1px solid #d1c7bb;color:#292622;text-decoration:none}.supporting-tool-grid h3{font-family:Georgia,'Times New Roman',serif;margin:0 0 10px}.supporting-tool-grid p{margin:0;color:#5f5952}.main-nav a{white-space:nowrap}.main-nav .ask-link{color:#6f2b3c;font-weight:800}.main-nav .login-link{border-left:1px solid #d5ccc1;padding-left:16px}.market-section{padding-top:60px}.family-section{background:#fff}
@media(max-width:980px){.premium-hero-grid{grid-template-columns:1fr}.question-card-grid,.core-grid,.supporting-tool-grid{grid-template-columns:1fr}.core-grid article{border-right:0;border-bottom:1px solid #bfb3a6}.core-grid article:last-child{border-bottom:0}.premium-savingz{box-shadow:7px 7px 0 #d5c8b9}}
@media(max-width:620px){.premium-hero{padding:42px 0}.premium-hero h1{font-size:43px}.question-prompts{grid-template-columns:1fr}.question-card{min-height:0}.main-nav .login-link{border-left:0;padding-left:0}}

/* Focused Action Pro palette override — layout and content intentionally unchanged. */
:root{--ap-navy:#102f50;--ap-blue:#2b8cff;--ap-blue-deep:#146dcc;--ap-blue-soft:#eef6ff;--ap-bg:#f5f8fb;--ap-border:#d7e4f1;--ap-text:#243140;--ap-muted:#667789;--ap-green:#2fa783;--ap-amber:#f0a52a;--ap-burgundy:#7a2740}
body{color:var(--ap-text);background:#fff}.utility-bar{background:#edf3f8!important;color:var(--ap-navy)!important}.site-header{background:#fff!important;border-bottom-color:var(--ap-border)!important}.main-nav a:hover,.main-nav a:focus,.main-nav a.active{color:var(--ap-blue-deep)!important}.main-nav a.active:after{background:var(--ap-blue)!important}.eyebrow{color:var(--ap-blue-deep)!important}.btn-primary,.savingz-input-row button,.lead-form button{background:var(--ap-blue)!important;border-color:var(--ap-blue)!important;color:#fff!important}.btn-primary:hover,.btn-primary:focus,.savingz-input-row button:hover,.lead-form button:hover{background:var(--ap-blue-deep)!important;border-color:var(--ap-blue-deep)!important}.btn-light,.btn-secondary{border-color:var(--ap-blue)!important;color:var(--ap-blue-deep)!important}.premium-hero,.page-hero{background:linear-gradient(135deg,#f7fafc,#eef6ff 62%,#fff)!important}.savingz-card,.question-card,.core-grid article,.family-cards article,.market-cards article,.terms-browser,.term-detail{border-color:var(--ap-border)!important}.quick-prompts button:hover,.question-card:hover,.term-result:hover,.az-index button:hover,.term-related button:hover{border-color:var(--ap-blue)!important;background:var(--ap-blue-soft)!important}.question-card.featured-question,.term-result.active,.az-index button.active{background:var(--ap-navy)!important;color:#fff!important;border-color:var(--ap-navy)!important}.question-card.featured-question p,.question-card.featured-question strong,.term-result.active span,.term-result.active small{color:#fff!important}.savingz-answer a,.question-card strong,.page-links a,.contact-details a,.site-footer a{color:var(--ap-blue-deep)!important}.term-search-row input:focus,#term-category:focus{outline:3px solid rgba(43,140,255,.16)!important;border-color:var(--ap-blue)!important}.term-search-row button{background:var(--ap-navy)!important;color:#fff!important}.term-search-row button:hover{background:var(--ap-blue)!important}.term-block.simple{border-left-color:var(--ap-blue)!important}.term-block.caution{border-left-color:var(--ap-amber)!important}.site-footer{background:var(--ap-navy)!important;color:#eaf2f8!important}.site-footer a{color:#d9ebff!important}.legal{border-top-color:rgba(255,255,255,.16)!important}.headline-refresh{color:var(--ap-blue-deep)!important;border-color:var(--ap-blue)!important}.headline-card:hover{border-color:var(--ap-blue)!important;box-shadow:0 10px 26px rgba(20,108,204,.12)!important}