/*
Theme Name: Secure Money Guide V12
Theme URI: https://securemoneyguide.com/
Author: VA Digital Solutions
Description: Original editorial-finance WordPress theme focused on practical money decisions and calculators.
Version: 13.0.0
Text Domain: securemoneyguide
*/
:root{--ink:#262223;--muted:#6f686a;--cream:#fbf7f0;--paper:#fffdf9;--wine:#6f2442;--wine2:#4e1730;--gold:#c79a45;--line:#e7ddd2;--sage:#e9eee7;--radius:22px;--shadow:0 18px 45px rgba(55,35,40,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.65}a{color:inherit;text-decoration:none}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.utility{font-size:13px;border-bottom:1px solid var(--line);background:#f5eee6}.utility .wrap{display:flex;justify-content:space-between;padding:8px 0;color:var(--muted)}.site-header{background:rgba(251,247,240,.94);backdrop-filter:blur(12px);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}.head{height:76px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:11px;font-family:Georgia,serif;font-weight:700;font-size:22px}.mark{width:39px;height:39px;border-radius:50% 50% 50% 12px;background:var(--wine);display:grid;place-items:center;color:#fff;font:700 19px Georgia}.nav{display:flex;justify-content:center;gap:25px;font-weight:650;font-size:14px}.nav a:hover{color:var(--wine)}.search{border:1px solid var(--line);background:var(--paper);padding:10px 15px;border-radius:999px}.hero{padding:62px 0 38px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:58px;align-items:center}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.17em;color:var(--wine);font-weight:800}.hero h1{font:700 clamp(43px,6vw,78px)/.98 Georgia,serif;letter-spacing:-.04em;margin:13px 0 20px;max-width:760px}.hero p{font-size:19px;color:var(--muted);max-width:650px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{padding:13px 20px;border-radius:999px;font-weight:750;display:inline-block}.btn-primary{background:var(--wine);color:#fff}.btn-secondary{border:1px solid var(--line);background:var(--paper)}.decision{background:var(--paper);border:1px solid var(--line);border-radius:34px;padding:30px;box-shadow:var(--shadow);transform:rotate(1deg)}.decision h2{font:700 28px Georgia,serif;margin:5px 0 7px}.decision label{font-size:13px;font-weight:750;display:block;margin:17px 0 6px}.decision select,.decision input{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:12px;background:#fff;font:inherit}.decision .result{margin-top:18px;padding:16px;border-radius:15px;background:var(--sage);font-size:14px}.ticker{margin:25px 0 55px;border-block:1px solid var(--line);padding:15px 0}.ticker .wrap{display:flex;gap:28px;overflow:auto;white-space:nowrap;color:var(--muted);font-size:14px}.ticker b{color:var(--ink)}.section{padding:55px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:25px}.section h2{font:700 clamp(31px,4vw,49px)/1.05 Georgia,serif;margin:0}.section-head p{color:var(--muted);max-width:520px;margin:0}.paths{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.path{min-height:225px;padding:23px;border:1px solid var(--line);border-radius:20px;background:var(--paper);display:flex;flex-direction:column;justify-content:space-between;transition:.2s}.path:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.path .num{font:700 13px Georgia;color:var(--wine)}.path h3{font:700 24px/1.1 Georgia,serif;margin:0 0 8px}.path p{color:var(--muted);font-size:14px;margin:0}.tools-band{background:var(--wine2);color:#fff;padding:62px 0}.tools-band .section-head p{color:#e6cfd9}.tools{display:grid;grid-template-columns:1.25fr repeat(2,1fr);gap:15px}.tool{background:#fff;color:var(--ink);padding:25px;border-radius:22px;min-height:190px}.tool.featured{background:#ead9c0;min-height:395px;grid-row:span 2}.tool h3{font:700 25px Georgia;margin:8px 0}.tool p{color:var(--muted)}.tool .arrow{font-size:25px;color:var(--wine)}.editorial{display:grid;grid-template-columns:1.2fr .8fr;gap:28px}.feature-story{background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:34px}.feature-story h3{font:700 34px/1.1 Georgia;margin:13px 0}.story-list{display:grid;gap:0}.story{padding:20px 5px;border-bottom:1px solid var(--line)}.story h4{font:700 20px Georgia;margin:5px 0}.meta{font-size:12px;color:var(--wine);font-weight:800;text-transform:uppercase;letter-spacing:.08em}.trust{background:#efe7dc;border-radius:30px;padding:38px;display:grid;grid-template-columns:1fr 1fr;gap:35px}.trust h2{font-size:40px}.checks{display:grid;grid-template-columns:1fr 1fr;gap:13px}.check{background:rgba(255,255,255,.58);border-radius:15px;padding:15px;font-size:14px}.site-footer{margin-top:65px;background:#211d1e;color:#eee4e5;padding:55px 0 25px}.foot{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:35px}.site-footer h4{font:700 17px Georgia}.site-footer a{display:block;color:#cfc3c6;margin:8px 0;font-size:14px}.legal{border-top:1px solid #40383a;margin-top:35px;padding-top:20px;color:#9e9295;font-size:12px}.article{max-width:780px;margin:55px auto;background:var(--paper);padding:45px;border-radius:25px;border:1px solid var(--line)}.article h1{font:700 48px/1.05 Georgia}.article h2{font:700 31px Georgia;margin-top:36px}.article a{color:var(--wine);text-decoration:underline}@media(max-width:900px){.nav{display:none}.head{grid-template-columns:1fr auto}.hero-grid,.editorial,.trust{grid-template-columns:1fr}.decision{transform:none}.paths{grid-template-columns:1fr 1fr}.tools{grid-template-columns:1fr 1fr}.tool.featured{grid-column:1/-1;min-height:250px;grid-row:auto}.foot{grid-template-columns:1fr 1fr}}@media(max-width:600px){.wrap{width:min(100% - 26px,1180px)}.utility{display:none}.hero{padding-top:38px}.hero h1{font-size:48px}.paths,.tools,.checks,.foot{grid-template-columns:1fr}.section-head{display:block}.section-head p{margin-top:10px}.article{margin:20px 13px;padding:24px}.article h1{font-size:38px}}

/* WordPress admin-bar-safe sticky header */
body.admin-bar .site-header{top:32px}
@media(max-width:782px){body.admin-bar .site-header{top:46px}}
html{scroll-padding-top:110px}

/* Account / dashboard */
.account-shell{padding:44px 0 70px}.account-grid{display:grid;grid-template-columns:240px 1fr;gap:24px;align-items:start}.account-side{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:18px;position:sticky;top:118px}.admin-bar .account-side{top:150px}.account-user{padding:8px 8px 18px;border-bottom:1px solid var(--line);margin-bottom:10px}.account-user strong{display:block;font-family:Georgia,serif;font-size:19px}.account-user span{font-size:12px;color:var(--muted)}.account-nav a{display:block;padding:11px 12px;border-radius:11px;font-weight:700;font-size:14px}.account-nav a:hover,.account-nav a.active{background:#f3e8ec;color:var(--wine)}.account-main h1{font:700 clamp(34px,5vw,54px)/1 Georgia,serif;margin:0 0 10px}.account-main>.lead{color:var(--muted);margin:0 0 25px}.dash-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.dash-card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}.dash-card .kicker{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800}.dash-card strong{display:block;font:700 30px Georgia,serif;margin-top:5px}.dash-panel{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:24px;margin-top:18px}.dash-panel h2{font:700 25px Georgia,serif;margin:0 0 16px}.quick-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.quick{border:1px solid var(--line);border-radius:15px;padding:17px}.quick b{display:block}.quick span{font-size:13px;color:var(--muted)}.login-card{max-width:520px;margin:60px auto;background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:32px;box-shadow:var(--shadow)}.login-card h1{font:700 38px Georgia,serif;margin:0 0 8px}.login-card p{color:var(--muted)}.login-card label{display:block;font-weight:700;margin:14px 0 6px}.login-card input[type=text],.login-card input[type=password],.login-card input[type=email]{width:100%;padding:13px;border:1px solid var(--line);border-radius:12px}.login-card input[type=submit]{border:0;background:var(--wine);color:#fff;padding:13px 20px;border-radius:999px;font-weight:800;cursor:pointer}.admin-accent{border-left:4px solid var(--gold)}
@media(max-width:800px){.account-grid{grid-template-columns:1fr}.account-side{position:static}.dash-cards{grid-template-columns:1fr}.quick-grid{grid-template-columns:1fr}}
/* V4 multi-page + EMI calculator */
.emi-page{padding:56px 22px 80px}.emi-intro{max-width:820px;margin-bottom:30px}.emi-intro h1{font-size:clamp(38px,5vw,66px);line-height:1.02;margin:8px 0 16px}.eyebrow{font-size:12px;font-weight:800;letter-spacing:.14em;color:#7d2347}.emi-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}.emi-card,.emi-table-wrap,.guide-copy{background:#fff;border:1px solid #eadfd6;border-radius:28px;padding:28px;box-shadow:0 16px 45px rgba(43,31,33,.06)}.emi-card label{display:block;font-weight:750;margin:0 0 8px}.emi-card input,.emi-card select{width:100%;padding:15px 16px;border:1px solid #d9cec6;border-radius:14px;font-size:17px;margin-bottom:20px;background:#fff}.input-prefix{display:flex;align-items:center;border:1px solid #d9cec6;border-radius:14px;margin-bottom:20px;overflow:hidden}.input-prefix span{padding-left:16px;font-weight:800}.input-prefix input{border:0;margin:0}.result-card h2,.emi-table-wrap h2,.guide-copy h2{margin-top:0}.result-big{background:#f8f2ed;border-radius:20px;padding:22px;margin:15px 0 12px}.result-big span{display:block;color:#6c5b59}.result-big strong{display:block;font-size:38px;margin-top:4px;color:#7d2347}.result-row{display:flex;justify-content:space-between;gap:20px;padding:15px 2px;border-bottom:1px solid #eee3db}.privacy-note{background:#edf2eb;border-radius:14px;padding:14px;margin-top:20px;font-size:14px}.emi-table-wrap,.guide-copy{margin-top:28px}.table-scroll{overflow:auto}.emi-table{width:100%;border-collapse:collapse;min-width:720px}.emi-table th,.emi-table td{text-align:right;padding:13px 12px;border-bottom:1px solid #eee3db}.emi-table th:first-child,.emi-table td:first-child{text-align:left}.guide-copy{max-width:900px}.guide-copy h2{margin-top:26px}.guide-copy h2:first-child{margin-top:0}@media(max-width:800px){.emi-grid{grid-template-columns:1fr}.emi-page{padding-top:32px}.result-big strong{font-size:30px}}
/* V5 complete landing pages */
.landing{padding-bottom:20px}.landing-hero{padding-top:52px;padding-bottom:34px}.landing-hero.compact{max-width:900px;margin-left:auto;margin-right:auto}.crumb{font-size:13px;color:var(--muted);margin-bottom:26px}.crumb a{color:var(--wine)}.landing-hero h1{font:700 clamp(42px,5.7vw,70px)/1.01 Georgia,serif;letter-spacing:-.035em;max-width:850px;margin:10px 0 18px}.landing-hero>p,.landing-hero-grid p{font-size:19px;color:var(--muted);max-width:760px}.landing-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center}.mini-trust{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:var(--shadow)}.mini-trust b{font:700 20px Georgia;display:block;margin-bottom:10px}.mini-trust span{display:block;padding:9px 0;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}.landing-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:24px}.landing-head h2{font:700 clamp(30px,4vw,46px)/1.06 Georgia;margin:5px 0 0}.landing-head>p{max-width:520px;color:var(--muted);margin:0}.topic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.topic-card{position:relative;background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:23px;min-height:210px}.topic-card h3{font:700 23px Georgia;margin:24px 0 9px}.topic-card p{font-size:14px;color:var(--muted);margin:0}.topic-num{font-size:12px;font-weight:800;color:var(--wine);letter-spacing:.08em}.text-link{display:inline-block;color:var(--wine);font-weight:800;font-size:13px;margin-top:16px}.learn-band{background:#efe7dc;margin:35px 0 10px;padding:54px 0}.learn-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.learn-grid h2{font:700 40px/1.08 Georgia;margin:8px 0}.learn-grid ol{margin:0;padding:0;list-style:none;counter-reset:item;display:grid;grid-template-columns:1fr 1fr;gap:12px}.learn-grid li{background:rgba(255,255,255,.6);border-radius:16px;padding:17px}.learn-grid li b,.learn-grid li span{display:block}.learn-grid li span{font-size:13px;color:var(--muted);margin-top:5px}.content-split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start}.content-split h2{font:700 35px/1.1 Georgia;margin:8px 0 14px}.content-split p{color:var(--muted)}.seo-faq{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:22px}.seo-faq h3{font:700 24px Georgia;margin-top:0}.seo-faq details{border-top:1px solid var(--line);padding:13px 0}.seo-faq summary{font-weight:750;cursor:pointer}.seo-faq details p{font-size:14px;margin-bottom:0}.calculator-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.calc-card{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:25px;min-height:210px}.calc-card h3{font:700 27px Georgia;margin:8px 0}.calc-card p{color:var(--muted)}.calc-label{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--wine);font-weight:800}.featured-calc{background:#ead9c0}.featured-calc b{color:var(--wine)}.muted-calc{opacity:.78}.notice{background:#edf2eb;border-radius:17px;padding:18px}.policy-layout{display:grid;grid-template-columns:1fr 270px;gap:55px;max-width:1000px;margin:auto}.policy-main{background:var(--paper);border:1px solid var(--line);border-radius:24px;padding:34px}.lead-copy{font-size:19px;color:var(--muted);margin-top:0}.policy-main section{border-top:1px solid var(--line);padding-top:20px;margin-top:22px}.policy-main h2{font:700 27px Georgia;margin:0 0 8px}.policy-main p{color:var(--muted)}.policy-side{background:#efe7dc;border-radius:20px;padding:20px;position:sticky;top:120px}.admin-bar .policy-side{top:152px}.policy-side b{display:block;font:700 18px Georgia;margin-bottom:9px}.policy-side a{display:block;padding:9px 0;border-top:1px solid rgba(90,65,60,.12);font-size:13px;font-weight:700}.topic-arrow{float:right;color:var(--wine)}
@media(max-width:900px){.landing-hero-grid,.learn-grid,.content-split,.policy-layout{grid-template-columns:1fr}.topic-grid{grid-template-columns:1fr 1fr}.policy-side{position:static}.landing-head{display:block}.landing-head>p{margin-top:10px}.learn-grid ol{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.topic-grid,.calculator-grid,.learn-grid ol{grid-template-columns:1fr}.landing-hero{padding-top:32px}.landing-hero h1{font-size:43px}.policy-main{padding:24px}.learn-band{padding:38px 0}}


/* V6: compact responsive navigation + continuous resource ticker */
.screen-reader-text{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.head{grid-template-columns:minmax(225px,auto) minmax(0,1fr) auto;gap:18px}
.brand{white-space:nowrap;font-size:21px}.nav{gap:19px;font-size:13.5px;white-space:nowrap;min-width:0}.nav a{white-space:nowrap}.search{padding:9px 13px;white-space:nowrap}
.menu-toggle{display:none;border:1px solid var(--line);background:var(--paper);border-radius:12px;width:44px;height:42px;padding:10px;cursor:pointer}.menu-toggle span:not(.screen-reader-text){display:block;height:2px;background:var(--ink);margin:4px 0;border-radius:3px}
.ticker{width:100%;overflow:hidden;margin:25px 0 55px;border-block:1px solid var(--line);padding:0;background:rgba(255,253,249,.35)}
.ticker-track{display:flex;width:max-content;will-change:transform;animation:smgTicker 48s linear infinite}
.ticker-group{display:flex;align-items:center;flex-shrink:0;gap:28px;padding:15px 14px;white-space:nowrap;color:var(--muted);font-size:14px}
.ticker a{color:var(--muted);transition:color .18s ease}.ticker a:hover,.ticker a:focus{color:var(--wine)}.ticker b{color:var(--ink)}.ticker .dot{color:#a48e83}
.ticker:hover .ticker-track,.ticker:focus-within .ticker-track{animation-play-state:paused}
@keyframes smgTicker{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:1120px) and (min-width:901px){.head{gap:12px}.brand{font-size:19px}.mark{width:35px;height:35px}.nav{gap:13px;font-size:12.5px}.search{padding:8px 10px;font-size:13px}}
@media(max-width:900px){.head{grid-template-columns:1fr auto auto;height:70px}.menu-toggle{display:block;order:2}.head>div:last-child{order:3}.nav{display:none;position:absolute;left:20px;right:20px;top:calc(100% + 8px);background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:2px;white-space:normal}.nav.is-open{display:flex}.nav a{padding:11px 12px;border-radius:10px}.nav a:hover{background:var(--cream)}.ticker-track{animation-duration:42s}}
@media(max-width:600px){.brand{font-size:18px}.mark{width:35px;height:35px}.head>div:last-child .search:first-child{display:none}.ticker-group{gap:22px;font-size:13px;padding-block:13px}.ticker-track{animation-duration:38s}}
@media(prefers-reduced-motion:reduce){.ticker{overflow-x:auto}.ticker-track{animation:none}.ticker-group[aria-hidden="true"]{display:none}}

/* V10 market snapshot */
.market-strip{display:flex;align-items:stretch;border-bottom:1px solid var(--line);background:#fffdf9;min-height:42px;overflow:hidden}
.market-label{position:relative;z-index:2;flex:0 0 auto;display:flex;align-items:center;gap:8px;padding:8px max(16px,calc((100vw - 1180px)/2));padding-right:18px;background:var(--wine2);color:#fff;font-size:12px;white-space:nowrap}
.market-label span{opacity:.72;font-size:10px;text-transform:uppercase;letter-spacing:.06em}
.market-viewport{overflow:hidden;flex:1;display:flex;align-items:center}
.market-track{display:flex;width:max-content;animation:smgMarket 55s linear infinite;will-change:transform}
.market-group{display:flex;align-items:center;flex-shrink:0;gap:16px;padding:9px 16px;white-space:nowrap;font-size:12px}
.market-item b{margin-right:5px}.market-item span{font-variant-numeric:tabular-nums;color:var(--wine)}.market-dot{color:#cbbdb4}
.market-strip:hover .market-track{animation-play-state:paused}
@keyframes smgMarket{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:700px){.market-label{padding-left:13px}.market-label span{display:none}.market-track{animation-duration:42s}}
@media(prefers-reduced-motion:reduce){.market-viewport{overflow-x:auto}.market-track{animation:none}.market-group[aria-hidden="true"]{display:none}}


/* V11 daily-use money workspace */
.money-workspace{background:#f7f3ee;min-height:70vh}.money-dash-hero{padding:34px 0 26px;background:linear-gradient(135deg,#fffaf5,#f4ebe4);border-bottom:1px solid var(--line)}.money-dash-hero-inner{display:flex;justify-content:space-between;align-items:center;gap:24px}.money-dash-hero h1{font:700 clamp(34px,5vw,52px)/1 Georgia,serif;margin:8px 0}.money-dash-hero p{margin:0;color:var(--muted)}.money-dash-actions{display:flex;gap:10px;flex-wrap:wrap}.money-dash-section{padding:28px 0 70px}.money-dash-shell{display:grid;grid-template-columns:230px 1fr;gap:22px;align-items:start}.money-side{background:#fff;border:1px solid var(--line);border-radius:20px;padding:16px;position:sticky;top:118px}.admin-bar .money-side{top:150px}.money-user{padding:8px 8px 16px;border-bottom:1px solid var(--line);margin-bottom:8px}.money-user strong,.money-user span{display:block}.money-user span{font-size:12px;color:var(--muted)}.money-side nav a{display:block;padding:10px 11px;border-radius:10px;font-weight:700;font-size:14px}.money-side nav a:hover,.money-side nav a.active{background:#f3e8ec;color:var(--wine)}.money-main{min-width:0}.money-alert{padding:12px 14px;border-radius:12px;margin-bottom:14px;background:#edf6ef;border:1px solid #d9eadc}.money-alert.error{background:#fff0f0;border-color:#f1d2d2}.money-toolbar{display:flex;justify-content:space-between;align-items:end;gap:16px;margin-bottom:16px}.money-toolbar h2{font:700 30px Georgia,serif;margin:0}.money-toolbar p{margin:3px 0 0;color:var(--muted)}.money-toolbar form{display:flex;gap:8px}.money-toolbar input,.money-toolbar button{padding:9px 10px;border:1px solid var(--line);border-radius:10px;background:#fff}.money-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.money-stats article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.money-stats span,.money-stats small{display:block;color:var(--muted);font-size:12px}.money-stats strong{display:block;font:700 27px Georgia,serif;margin:5px 0}.money-two{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}.money-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:21px}.money-card h3{font:700 24px Georgia,serif;margin:0 0 14px}.money-card>p{color:var(--muted)}.money-empty{padding:26px 8px;text-align:center;color:var(--muted)}.money-category-list>div{margin:12px 0}.money-category-list>div>div{display:flex;justify-content:space-between;gap:10px}.money-category-list i{display:block;height:8px;background:#eee7e0;border-radius:99px;overflow:hidden;margin-top:6px}.money-category-list i b{display:block;height:100%;background:var(--wine);border-radius:99px}.upcoming-list>div,.expense-list article,.bill-list article{display:flex;justify-content:space-between;gap:14px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}.upcoming-list span,.expense-list article>div:first-child,.bill-list article>div:first-child{min-width:0}.upcoming-list small,.expense-list small,.bill-list small{display:block;color:var(--muted);font-size:12px}.expense-list article>div:last-child,.bill-list article>div:last-child{display:flex;align-items:center;gap:8px;flex-wrap:wrap;justify-content:flex-end}.expense-list form,.bill-list form{margin:0}.expense-list button,.bill-list button{border:0;background:none;color:var(--wine);cursor:pointer;font-weight:700}.money-form{display:grid;gap:12px}.money-form label{font-size:13px;font-weight:700}.money-form input,.money-form select,.money-form textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:11px;background:#fff;margin-top:5px}.budget-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.privacy-note{margin-top:18px;padding:13px;border-radius:12px;background:#eef3ec;font-size:13px}.money-card .btn{border:0;cursor:pointer}.money-card .btn-secondary{background:#fff}.bill-list b,.expense-list b{white-space:nowrap}
@media(max-width:1000px){.money-stats{grid-template-columns:repeat(2,1fr)}.budget-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:800px){.money-dash-hero-inner{align-items:flex-start;flex-direction:column}.money-dash-shell{grid-template-columns:1fr}.money-side{position:static}.money-side nav{display:grid;grid-template-columns:repeat(2,1fr);gap:4px}.money-two{grid-template-columns:1fr}.budget-grid{grid-template-columns:1fr}}@media(max-width:520px){.money-stats{grid-template-columns:1fr}.money-side nav{grid-template-columns:1fr}.money-toolbar{align-items:flex-start;flex-direction:column}.money-toolbar form{width:100%}.money-toolbar input{flex:1}.upcoming-list>div,.expense-list article,.bill-list article{align-items:flex-start;flex-direction:column}.expense-list article>div:last-child,.bill-list article>div:last-child{justify-content:flex-start}}


/* =========================================================
   V12 production finish: auth, ads, SEO surfaces, dashboards
   ========================================================= */
:root{--smg-admin-offset:0px;--smg-utility-h:35px}
body.admin-bar{--smg-admin-offset:32px}
.utility{position:sticky;top:var(--smg-admin-offset);z-index:85;min-height:var(--smg-utility-h);display:flex;align-items:center}
.site-header{top:calc(var(--smg-admin-offset) + var(--smg-utility-h));z-index:80}
html{scroll-padding-top:135px}
.smg-custom-logo{display:block;max-height:42px;width:auto}.head-actions{display:flex;gap:8px;align-items:center}.header-signup{padding:10px 15px;font-size:13px;white-space:nowrap}.smg-account-menu{position:relative}.smg-account-menu>summary{cursor:pointer;list-style:none;border:1px solid var(--line);background:var(--paper);padding:9px 13px;border-radius:999px;font-weight:750;font-size:13px;white-space:nowrap}.smg-account-menu>summary::-webkit-details-marker{display:none}.smg-account-menu>summary:after{content:'⌄';font-size:10px;margin-left:6px}.smg-account-menu>div{position:absolute;right:0;top:calc(100% + 8px);z-index:110;width:245px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:15px;box-shadow:var(--shadow)}.smg-account-menu>div a{display:block;padding:10px 11px;border-radius:10px}.smg-account-menu>div a:hover{background:#f6f0eb}.smg-account-menu strong,.smg-account-menu small{display:block}.smg-account-menu small{color:var(--muted);font-size:11px;margin-top:2px}
@media(max-width:900px){:root{--smg-utility-h:0px}.utility{display:none}.site-header{top:var(--smg-admin-offset)}.head-actions .search-only,.header-signup{display:none}.head{grid-template-columns:1fr auto auto}.smg-account-menu>summary{padding:9px 11px}.nav{top:calc(100% + 8px);z-index:130}}
@media(max-width:782px){body.admin-bar{--smg-admin-offset:46px}}

/* Homepage daily-use product section */
.daily-use-section{padding-top:25px}.daily-use-card{background:linear-gradient(135deg,#fffdf9 0%,#f2ebe6 58%,#e9eee7 100%);border:1px solid var(--line);border-radius:30px;padding:38px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:34px;align-items:center;box-shadow:var(--shadow)}.daily-use-card h2{margin:6px 0 12px}.daily-use-card p{color:var(--muted);font-size:17px;max-width:720px}.daily-use-features{display:grid;grid-template-columns:1fr 1fr;gap:11px}.daily-use-features span{background:rgba(255,255,255,.7);border:1px solid rgba(111,36,66,.12);padding:12px 13px;border-radius:13px;font-size:13px;font-weight:750}
@media(max-width:850px){.daily-use-card{grid-template-columns:1fr}.daily-use-features{grid-template-columns:1fr 1fr}}@media(max-width:520px){.daily-use-card{padding:25px}.daily-use-features{grid-template-columns:1fr}}

/* Authentication */
.auth-page{padding:42px 0 64px;background:linear-gradient(135deg,#fbf7f0 0%,#f6f1ed 48%,#eef2ec 100%)}.auth-shell{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(340px,.98fr);max-width:1180px;gap:0;align-items:stretch}.auth-card,.auth-benefits{min-width:0}.auth-card{background:#fff;border:1px solid var(--line);border-radius:28px 0 0 28px;padding:42px 48px;box-shadow:0 18px 45px rgba(55,35,40,.07)}.auth-card h1{font:700 clamp(38px,5vw,57px)/1 Georgia,serif;margin:9px 0 15px;letter-spacing:-.03em}.auth-card>p{color:var(--muted);font-size:17px}.auth-back{display:inline-block;margin-bottom:32px;color:#6d6270;font-weight:700;font-size:13px}.social-login{width:100%;min-height:56px;display:flex;align-items:center;justify-content:center;gap:11px;border:1px solid #d9d2cc;border-radius:14px;background:#fff;color:#342d31;font:750 16px inherit;margin-top:23px;cursor:pointer}.social-login:disabled{opacity:.55;cursor:not-allowed}.google-g{width:28px;height:28px;display:grid;place-items:center;border-radius:50%;background:#f3f6ff;color:#4285f4;font-weight:900}.auth-help{display:block;color:var(--muted);margin-top:8px}.auth-divider{display:flex;align-items:center;gap:12px;color:#9a8f91;font-size:11px;font-weight:800;margin:25px 0}.auth-divider:before,.auth-divider:after{content:'';height:1px;background:var(--line);flex:1}.auth-form{display:grid;gap:13px}.auth-form label{font-size:13px;font-weight:750}.auth-form input[type=text],.auth-form input[type=email],.auth-form input[type=password]{width:100%;margin-top:6px;border:1px solid #d9d2cc;border-radius:13px;padding:13px 14px;font:inherit;background:#fff}.auth-form label small{display:block;color:var(--muted);font-weight:500;margin-top:4px}.auth-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.auth-check{display:flex!important;align-items:flex-start;gap:9px;font-weight:600!important;color:#655e61}.auth-check input{margin-top:5px}.auth-check a,.auth-links a{color:var(--wine);text-decoration:underline}.auth-submit{border:0;cursor:pointer;text-align:center;margin-top:3px}.auth-links{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-top:20px;font-size:13px;color:var(--muted)}.auth-benefits{background:#241d22;color:#fff;border-radius:0 28px 28px 0;padding:42px 42px;display:flex;flex-direction:column;min-height:650px}.auth-benefit-head h2{font:700 38px/1.05 Georgia,serif;margin:9px 0 13px}.auth-benefit-head p{color:#d3c9cc}.auth-slider{position:relative;flex:1;margin-top:25px}.auth-slide{display:none;min-height:270px;padding:28px;border:1px solid rgba(255,255,255,.12);border-radius:22px;background:rgba(255,255,255,.07);align-content:center}.auth-slide.active{display:block}.auth-slide>span{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:13px;background:#c79a45;color:#211d1e;font-weight:900}.auth-slide h3{font:700 28px Georgia,serif;margin:22px 0 9px}.auth-slide p{color:#d8ced0;line-height:1.7}.auth-dots{display:flex;gap:8px;margin:20px 0}.auth-dots button{width:9px;height:9px;border:0;border-radius:999px;background:rgba(255,255,255,.28);padding:0;cursor:pointer}.auth-dots button.active{width:27px;background:#d4ab5e}.auth-privacy{margin-top:auto;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;color:#c4b8bb;font-size:12px;line-height:1.6}
@media(max-width:900px){.auth-shell{grid-template-columns:1fr;max-width:760px}.auth-card{border-radius:25px 25px 0 0}.auth-benefits{border-radius:0 0 25px 25px;min-height:auto}.auth-slide{min-height:220px}}@media(max-width:560px){.auth-page{padding:18px 0 38px}.auth-card,.auth-benefits{padding:27px 21px}.auth-two{grid-template-columns:1fr}.auth-links{flex-direction:column}.auth-benefit-head h2{font-size:31px}}

/* Dashboard budget-vs-actual total */
.budget-layout{grid-template-columns:minmax(0,.88fr) minmax(420px,1.12fr);align-items:start}.budget-vs-actual>p,.card-heading-row p{color:var(--muted)}.budget-vs-list{display:grid;gap:15px}.budget-vs-row{display:grid;grid-template-columns:minmax(170px,.8fr) minmax(160px,1.2fr) 120px;gap:14px;align-items:center}.budget-vs-row>div strong,.budget-vs-row>div small{display:block}.budget-vs-row>div small{font-size:11px;color:var(--muted);margin-top:2px}.budget-vs-row>i,.budget-total-progress>i{display:block;height:8px;background:#eee7e0;border-radius:99px;overflow:hidden}.budget-vs-row>i b,.budget-total-progress>i b{display:block;height:100%;background:var(--wine);border-radius:99px}.budget-vs-row>b{text-align:right}.budget-total-card{margin-top:22px;padding-top:19px;border-top:2px solid #eadfd6}.budget-total-head{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}.budget-total-head>div{background:#faf6f2;border:1px solid var(--line);border-radius:13px;padding:12px}.budget-total-head span{display:block;color:var(--muted);font-size:10px;text-transform:uppercase;letter-spacing:.07em;font-weight:800}.budget-total-head strong{display:block;margin-top:4px;font:700 19px Georgia,serif}.budget-total-head strong.over{color:#b24b43}.budget-total-progress{margin-top:13px}.budget-total-progress small{display:block;color:var(--muted);font-size:11px;margin-top:6px}
@media(max-width:1050px){.budget-layout{grid-template-columns:1fr}.budget-vs-row{grid-template-columns:minmax(170px,.8fr) minmax(160px,1.2fr) 120px}}@media(max-width:620px){.budget-vs-row{grid-template-columns:1fr 100px}.budget-vs-row>i{grid-column:1/-1;grid-row:2}.budget-total-head{grid-template-columns:1fr}.budget-vs-row>b{text-align:right}}

/* Admin dashboard */
.admin-dash-hero{background:linear-gradient(135deg,#2d2028,#6f2442);color:#fff}.admin-dash-hero p{color:#e7d9dd}.admin-dashboard-grid{display:grid;grid-template-columns:230px minmax(0,1fr);gap:22px;align-items:start}.admin-stat-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}.admin-stat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:17px}.admin-stat span,.admin-stat small{display:block;color:var(--muted);font-size:11px}.admin-stat strong{display:block;font:700 27px Georgia,serif;margin:5px 0}.status-ok{color:#2f7d55!important}.status-warn{color:#a2680e!important}.admin-two{display:grid;grid-template-columns:1.15fr .85fr;gap:16px;margin-top:16px}.card-heading-row{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:10px}.card-heading-row h3{margin-bottom:4px}.card-heading-row p{margin:0;font-size:13px}.card-heading-row>a{font-size:12px;font-weight:800;color:var(--wine)}.admin-user-row,.admin-content-row{display:flex;align-items:center;gap:11px;padding:11px 0;border-bottom:1px solid var(--line)}.admin-user-row:last-child,.admin-content-row:last-child{border-bottom:0}.admin-user-avatar{width:35px;height:35px;display:grid;place-items:center;border-radius:10px;background:#f3e8ec;color:var(--wine);font-weight:900;flex:0 0 auto}.admin-user-row>div,.admin-content-row>div:first-child{min-width:0;flex:1}.admin-user-row strong,.admin-user-row small,.admin-content-row strong,.admin-content-row small{display:block}.admin-user-row small,.admin-content-row small{color:var(--muted);font-size:11px;overflow-wrap:anywhere}.admin-user-row time{font-size:10px;color:#9a8f91}.admin-status-list>div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--line)}.admin-status-list>div:last-child{border-bottom:0}.admin-status-list span{color:var(--muted);font-size:12px}.admin-status-list strong{font-size:12px;text-align:right}.admin-recent-content{margin-top:16px}.admin-quick-actions{display:flex;gap:7px;flex-wrap:wrap}.admin-quick-actions a,.admin-content-actions a{background:#f7f0f3;color:var(--wine);padding:7px 9px;border-radius:9px;font-size:11px;font-weight:800}.admin-content-row{justify-content:space-between}.admin-content-actions{display:flex;gap:7px}.admin-privacy-note{margin-top:16px;background:#eef2ec;border:1px solid #dfe7dc;border-radius:14px;padding:14px;color:#5f6961;font-size:12px}
@media(max-width:1050px){.admin-stat-grid{grid-template-columns:repeat(2,1fr)}.admin-two{grid-template-columns:1fr}}@media(max-width:800px){.admin-dashboard-grid{grid-template-columns:1fr}.admin-side{position:static}}@media(max-width:520px){.admin-stat-grid{grid-template-columns:1fr}.card-heading-row,.admin-content-row{flex-direction:column}.admin-content-actions{width:100%}.admin-content-actions a{flex:1;text-align:center}}

/* Manual image advertising + UTM-compatible creative */
.smg-ad-section{padding:22px 0}.smg-ad-section--home{padding:24px 0 8px}.smg-ad-section--content{padding:24px 0 4px}.smg-ad-section--dashboard{padding:14px 0 28px}.smg-ad-section--auth{padding:22px 0 0}.smg-manual-ad{position:relative;width:100%;background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px 14px 14px;overflow:hidden;box-shadow:0 10px 28px rgba(55,35,40,.055)}.smg-manual-ad-label{position:absolute;top:7px;left:14px;color:#8a7f82;font-size:9px;line-height:1;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.smg-manual-ad-link{display:block;border-radius:12px;overflow:hidden;line-height:0;outline-offset:3px}.smg-manual-ad-image{display:block;width:100%;height:auto;max-height:300px;object-fit:contain;object-position:center;border-radius:12px;background:#fff}.smg-ad-section--dashboard .smg-manual-ad-image{max-height:220px}.smg-ad-section--auth .smg-manual-ad-image{max-height:260px}
@media(max-width:700px){.smg-ad-section{padding:15px 0}.smg-manual-ad{padding:23px 8px 8px;border-radius:15px}.smg-manual-ad-label{left:10px}.smg-manual-ad-image,.smg-ad-section--dashboard .smg-manual-ad-image,.smg-ad-section--auth .smg-manual-ad-image{max-height:none;border-radius:9px}}

/* Better calculator proportions */
.emi-page{padding-top:44px}.emi-intro{max-width:900px}.emi-grid{grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);gap:20px}.emi-card{padding:25px}.result-card{position:sticky;top:150px}.admin-bar .result-card{top:182px}.result-row{padding-block:12px}.guide-copy,.emi-table-wrap{margin-top:20px}.guide-copy{max-width:100%}
@media(max-width:900px){.emi-grid{grid-template-columns:1fr}.result-card{position:static}}

/* Related guides + 404 */
.smg-related{border-top:1px solid var(--line);margin-top:38px;padding-top:27px}.smg-related h2{font-size:26px!important;margin:0 0 14px!important}.smg-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.smg-related-grid a{display:block;border:1px solid var(--line);border-radius:14px;padding:14px;text-decoration:none!important}.smg-related-grid strong,.smg-related-grid span{display:block}.smg-related-grid span{color:var(--muted);font-size:12px;margin-top:5px}.not-found-card{max-width:850px;margin:55px auto;background:#fff;border:1px solid var(--line);border-radius:26px;padding:42px}.not-found-card h1{font:700 50px Georgia,serif;margin:8px 0}.not-found-card p{color:var(--muted)}
@media(max-width:700px){.smg-related-grid{grid-template-columns:1fr}.not-found-card{margin:24px 0;padding:26px}}
/* V12 final layout corrections */
.foot{grid-template-columns:1.55fr repeat(4,minmax(0,1fr));gap:28px}.site-footer .footer-brand{color:#fff}.site-footer .footer-note{color:#9e9295;font-size:12px;max-width:390px}.emi-card .btn.primary{background:var(--wine);color:#fff;border:0;cursor:pointer}.emi-card .btn.primary:hover{background:var(--wine2)}
@media(max-width:1050px){.foot{grid-template-columns:1.5fr repeat(2,1fr)}.foot>div:first-child{grid-row:span 2}}
@media(max-width:700px){.foot{grid-template-columns:1fr 1fr}.foot>div:first-child{grid-column:1/-1;grid-row:auto}}
@media(max-width:480px){.foot{grid-template-columns:1fr}.foot>div:first-child{grid-column:auto}}

/* V13: Insurance Guide Book advertising placement visibility */
.content-ad-slot,.calculator-ad-slot,.dashboard-ad-slot,.auth-ad-slot{margin:20px 0 24px}
.content-ad-slot .smg-manual-ad,.calculator-ad-slot .smg-manual-ad,.dashboard-ad-slot .smg-manual-ad,.auth-ad-slot .smg-manual-ad{box-shadow:none}
.dashboard-ad-slot{margin-top:0}
.dashboard-ad-slot .smg-manual-ad-image{max-height:220px}
.auth-ad-slot{max-width:1220px;margin:22px auto 0;padding:0 18px}
.auth-ad-slot .smg-manual-ad-image{max-height:260px}
.calculator-ad-slot .smg-manual-ad-image{max-height:260px}
@media(max-width:700px){.content-ad-slot,.calculator-ad-slot,.dashboard-ad-slot,.auth-ad-slot{margin:14px 0 18px}.auth-ad-slot{padding:0 14px}.dashboard-ad-slot .smg-manual-ad-image,.auth-ad-slot .smg-manual-ad-image,.calculator-ad-slot .smg-manual-ad-image{max-height:none}}

/* =========================================================
   V14 sticky header fix
   The utility strip scrolls away; only the full main header stays sticky.
   This prevents the logo/navigation from sliding underneath the utility bar.
   ========================================================= */
.utility{
  position:relative;
  top:auto;
  z-index:40;
}
.site-header{
  position:sticky;
  top:0;
  z-index:100;
}
body.admin-bar .site-header{top:32px}
@media(max-width:782px){body.admin-bar .site-header{top:46px}}
@media(max-width:900px){
  .utility{display:none}
  .site-header{top:0}
  body.admin-bar .site-header{top:46px}
}