body {
    margin: 0;
    background: #FFFDF7;
    font-family: 'Poppins', sans-serif;
    color: #222;
}

.hero {
    background: linear-gradient(135deg, #FFF8E1, #FFFDF7);
    padding: 70px 10%;
    text-align: center;
}

.hero h1 {
    color: #B8860B;
    font-size: 48px;
    margin-bottom: 15px;
}

.hero p {
    color: #555;
    font-size: 18px;
    max-width: 760px;
    margin: auto;
    line-height: 1.7;
}

.container {
    max-width: 1200px;
    margin: 60px auto;
    padding: 0 25px;
}

.grid {
    display: grid;
    gap: 30px;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
}

.card {
    background: #ffffff;
    border: 1px solid #f4e7c3;
    border-radius: 18px;
    overflow: hidden;
    box-shadow: 0 12px 30px rgba(0, 0, 0, 0.06);
    transition: transform .25s, box-shadow .25s, border-color .25s;
}

.card:hover {
    transform: translateY(-6px);
    box-shadow: 0 20px 45px rgba(0, 0, 0, 0.08);
    border-color: rgba(184, 134, 11, 0.35);
}

.card-content {
    padding: 28px;
}

.badge {
    display: inline-block;
    background: #B8860B;
    color: #fff;
    padding: 6px 14px;
    border-radius: 30px;
    font-size: 13px;
    margin-bottom: 18px;
}

.card h3 {
    margin: 0 0 16px;
    font-size: 24px;
    line-height: 1.3;
}

.card h3 a {
    color: #1d1d1d;
    text-decoration: none;
    transition: color .25s, transform .2s;
}

.card h3 a:hover,
.card h3 a:focus-visible {
    color: #b8860b;
    text-decoration: none;
    transform: translateX(2px);
}

.excerpt {
    color: #666;
    font-size: 15px;
    line-height: 1.7;
    margin: 0 0 18px;
}

.date {
    color: #888;
    font-size: 14px;
}

.read {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 20px;
    background: #B8860B;
    color: white;
    text-decoration: none;
    padding: 12px 20px;
    border-radius: 12px;
    font-weight: 600;
    transition: background .3s, transform .25s;
}

.read:hover,
.read:focus-visible {
    background: #9c6b00;
    transform: translateX(2px);
}

@media (max-width: 768px) {
    .hero {
        padding: 50px 20px;
    }

    .hero h1 {
        font-size: 34px;
    }

    .hero p {
        font-size: 17px;
        line-height: 1.6;
    }

    .container {
        padding: 20px;
        margin-top: 30px;
    }

    .card-content {
        padding: 22px;
    }

    .card h2 {
        font-size: 22px;
    }
}

.overview {
    max-width: 900px;
    margin: 0 auto 40px;
    text-align: center;
}

.overview-text {
    color: #555;
    font-size: 17px;
    line-height: 1.9;
    max-width: 860px;
    margin: 0 auto;
}

.page-footer {
    margin-top: 60px;
    padding: 30px 0 20px;
    border-top: 1px solid #eee;
    text-align: center;
    color: #666;
}

.footer-links {
    display: flex;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 12px;
}

.footer-links a {
    color: #B8860B;
    text-decoration: none;
    font-weight: 600;
}

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* =========================================================
   SMARTPLAN FINANCE FAQ GUIDE
   ========================================================= */

.faq-guide {
    margin: 42px 0;
    padding: 0;
    border: 1px solid rgba(184, 134, 11, 0.28);
    border-radius: 16px;
    background: linear-gradient(
        135deg,
        #fffdf7 0%,
        #ffffff 100%
    );
    overflow: hidden;
}

.faq-guide-content {
    padding: 30px 32px;
    position: relative;
}

.faq-guide-content::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 5px;
    background: #B8860B;
}

.faq-guide-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1.2px;
    color: #B8860B;
    margin-bottom: 9px;
}

.faq-guide h2 {
    margin: 0 0 10px;
    font-size: 24px;
    line-height: 1.3;
    color: #2f241f;
}

.faq-guide p {
    margin: 0 0 22px;
    max-width: 720px;
    font-size: 15px;
    line-height: 1.7;
    color: #5f5a56;
}

.faq-guide-button {
    display: inline-block;
    padding: 12px 20px;
    border-radius: 8px;
    background: #B8860B;
    color: #ffffff !important;
    font-size: 14px;
    font-weight: 700;
    text-decoration: none !important;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.faq-guide-button:hover {
    transform: translateY(-1px);
    box-shadow: 0 5px 16px rgba(184, 134, 11, 0.22);
}

@media (max-width: 600px) {

    .faq-guide {
        margin: 32px 0;
        border-radius: 13px;
    }

    .faq-guide-content {
        padding: 24px 22px;
    }

    .faq-guide h2 {
        font-size: 21px;
    }

    .faq-guide p {
        font-size: 14px;
    }

    .faq-guide-button {
        width: 100%;
        box-sizing: border-box;
        text-align: center;
    }

}
/* =========================================================
   SmartPlan Finance Dynamic Charts
   ========================================================= */

.spf-chart {
    margin: 40px 0;
    padding: 28px;
    background: #ffffff;
    border: 1px solid rgba(184, 134, 11, 0.25);
    border-radius: 16px;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.spf-chart-header h2 {
    margin: 0 0 25px;
    color: #222;
    font-size: 26px;
    line-height: 1.3;
}

.spf-chart-container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 50px;
}

.spf-chart-visual {
    display: flex;
    align-items: center;
    justify-content: center;
}

.spf-pie {
    width: 270px;
    height: 270px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.spf-pie-hole {
    width: 125px;
    height: 125px;
    background: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    text-align: center;
}

.spf-pie-hole strong {
    font-size: 22px;
    color: #222;
}

.spf-pie-hole span {
    margin-top: 4px;
    font-size: 12px;
    color: #777;
}

.spf-chart-legend {
    width: 100%;
    max-width: 460px;
}

.spf-chart-legend-item {
    display: grid;
    grid-template-columns: 12px 1fr auto;
    gap: 10px;
    align-items: center;
    padding: 9px 0;
    border-bottom: 1px solid #eee;
    font-size: 14px;
}

.spf-chart-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}

.spf-chart-label {
    color: #444;
}

.spf-chart-legend-item strong {
    white-space: nowrap;
    color: #222;
}


/* Mobile */

@media (max-width: 768px) {

    .spf-chart {
        padding: 20px 15px;
    }

    .spf-chart-header h2 {
        font-size: 22px;
    }

    .spf-chart-container {
        flex-direction: column;
        gap: 25px;
    }

    .spf-pie {
        width: 230px;
        height: 230px;
    }

    .spf-pie-hole {
        width: 105px;
        height: 105px;
    }

    .spf-chart-legend {
        max-width: 100%;
    }

}
.affiliate-disclosure {
    margin: 20px 0 28px;
    padding: 14px 16px;
    background: #fffaf0;
    border-left: 4px solid #D4AF37;
    border-radius: 6px;
    font-size: 0.92rem;
    line-height: 1.6;
    color: #444;
}

.affiliate-disclosure strong {
    color: #222;
}

.education-notice {
    margin: 32px 0;
    padding: 20px;
    background: #faf8f2;
    border-left: 4px solid #D4AF37;
    border-radius: 6px;
    line-height: 1.7;
}

.education-notice strong {
    display: block;
    margin-bottom: 10px;
    font-size: 1rem;
}

.education-notice p {
    margin: 8px 0;
}

.author-name-link {
    color: inherit;
    text-decoration: none;
}

.author-name-link:hover {
    text-decoration: underline;
}

.author-profile-link {
    margin-top: 15px;
}

.author-profile-link a {
    font-weight: 600;
    text-decoration: underline;
}
/* =========================================================
   Articles Page Enhancements
   ========================================================= */

.hero-content {
    max-width: 900px;
    margin: 0 auto;
}

.hero-label {
    margin: 0 0 10px;
    color: #B8860B;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.article-grid > h2 {
    margin: 0 0 28px;
    color: #222;
    font-size: 30px;
    line-height: 1.3;
}

.no-articles {
    padding: 40px 25px;
    text-align: center;
    background: #ffffff;
    border: 1px solid #f4e7c3;
    border-radius: 16px;
}

.no-articles h3 {
    margin: 0 0 10px;
    color: #222;
}

.no-articles p {
    margin: 0;
    color: #666;
    line-height: 1.7;
}

.education-notice {
    max-width: 900px;
    margin: 50px auto 0;
}

@media (max-width: 768px) {

    .article-grid > h2 {
        font-size: 25px;
    }

    .card h3 {
        font-size: 22px;
    }

}