/* shouldicostseg.com — long-form guide pillar
   Editorial / Wirecutter / NerdWallet feel · Newsreader serif headlines, Inter body */

:root {
  --ink: #0B1F33;
  --ink-2: #2A3B4F;
  --muted: #5A6B80;
  --line: #E5E2DA;
  --line-2: #EDEAE2;
  --surface: #FAFBFC;
  --paper: #FFFFFF;
  --warm: #F7F3EA;
  --warm-2: #EFE9DA;
  --blue: #1E5BD9;
  --blue-ink: #143F99;
  --green: #0F8A5F;
  --green-bg: #E8F4EE;
  --amber: #B6770F;
  --amber-bg: #FBF1DC;
  --red: #B23A3A;
  --red-bg: #F7E5E2;
  --serif: "Newsreader", "Source Serif Pro", "Iowan Old Style", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --mono: "JetBrains Mono", "IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, monospace;
  --max: 1200px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--surface);
  font-size: 16px;
  line-height: 1.5;
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
.scs-root, .scs-root * { letter-spacing: -0.005em; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; text-underline-offset: 2px; }
img { max-width: 100%; display: block; height: auto; }
button { font: inherit; }

.serif { font-family: var(--serif); font-weight: 400; letter-spacing: -0.018em; }
.serif-italic { font-family: var(--serif); font-style: italic; }
.blue-italic { color: var(--blue); font-style: italic; }
em { font-style: italic; }
h1, h2, h3, h4 { margin: 0; font-weight: 500; letter-spacing: -0.02em; color: var(--ink); }

/* Operator disclosure */
.scs-disclosure {
  background: var(--ink);
  color: rgba(255,255,255,0.85);
  font-size: 12px;
  padding: 7px 28px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 400;
}
.scs-disclosure b { color: #fff; font-weight: 500; }

/* Header */
.scs-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 28px;
  border-bottom: 1px solid var(--line);
  background: var(--paper);
  position: sticky;
  top: 0;
  z-index: 60;
}
.scs-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 500;
  letter-spacing: -0.02em;
  color: var(--ink);
  text-decoration: none;
}
.scs-logo:hover { text-decoration: none; }
.scs-logo-mark {
  width: 28px;
  height: 28px;
  border-radius: 6px;
  background: var(--ink);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-style: italic;
  font-size: 16px;
  font-weight: 500;
  flex-shrink: 0;
}
.scs-logo-tld { opacity: 0.5; }
.scs-nav {
  display: flex;
  align-items: center;
  gap: 28px;
  font-size: 14px;
  font-weight: 450;
}
.scs-nav a {
  color: var(--ink-2);
  text-decoration: none;
}
.scs-nav a:hover { color: var(--blue); }
.scs-nav a.is-active { color: var(--ink); font-weight: 500; }
.scs-nav .scs-cta {
  background: var(--ink);
  color: #fff;
  padding: 9px 16px;
  border-radius: 7px;
  font-weight: 500;
}
.scs-nav .scs-cta:hover { background: #001528; color: #fff; }
.scs-nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 6px 12px;
  font-size: 16px;
  cursor: pointer;
}

/* Eyebrow + dot pattern */
.eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
}
.eyebrow-dark { color: var(--ink); }
.eyebrow-dot {
  display: inline-block;
  width: 3px;
  height: 3px;
  border-radius: 999px;
  background: var(--line);
  vertical-align: middle;
}

/* Title block */
.title-block {
  padding: 56px 28px 28px;
  border-bottom: 1px solid var(--line);
  max-width: var(--max);
  margin: 0 auto;
}
.title-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.title-h1 {
  font-size: clamp(36px, 6vw, 60px);
  line-height: 1.04;
  letter-spacing: -0.028em;
  margin-bottom: 22px;
  max-width: 880px;
  font-weight: 400;
}
.title-lede {
  font-family: var(--serif);
  font-size: clamp(18px, 2vw, 22px);
  line-height: 1.5;
  color: var(--ink-2);
  max-width: 720px;
  margin: 0;
}
.title-byline {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-top: 24px;
  font-size: 13px;
  color: var(--muted);
  flex-wrap: wrap;
}

/* Anchor sub-nav (sticky) */
.anchor-nav-wrap {
  position: sticky;
  top: 65px;
  background: var(--paper);
  z-index: 50;
  box-shadow: 0 1px 0 var(--line);
  border-bottom: 1px solid var(--line);
}
.anchor-nav {
  display: flex;
  gap: 0;
  font-size: 13px;
  overflow-x: auto;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
  scrollbar-width: thin;
}
.anchor-nav a {
  padding: 12px 14px;
  color: var(--muted);
  text-decoration: none;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  font-weight: 450;
}
.anchor-nav a.is-active { color: var(--ink); border-bottom-color: var(--ink); font-weight: 500; }
.anchor-nav a:hover { color: var(--ink); text-decoration: none; }

/* Three-column reading layout */
.guide-grid {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr) 300px;
  gap: 40px;
  padding: 44px 28px 56px;
  max-width: var(--max);
  margin: 0 auto;
  align-items: start;
}

/* Left rail TOC */
.toc-rail {
  position: sticky;
  top: 130px;
  align-self: start;
}
.toc-title {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--muted);
  margin-bottom: 12px;
}
.toc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.toc-list li {
  display: flex;
  gap: 8px;
  padding: 7px 0 7px 12px;
  font-size: 12px;
  align-items: baseline;
  border-left: 2px solid transparent;
  margin-left: -12px;
}
.toc-list li.is-active { border-left-color: var(--ink); }
.toc-list li.is-active a { color: var(--ink); font-weight: 500; }
.toc-num {
  font-family: var(--mono);
  font-size: 10px;
  color: var(--muted);
  min-width: 18px;
}
.toc-list a {
  color: var(--ink-2);
  text-decoration: none;
  line-height: 1.45;
}
.toc-list a:hover { color: var(--blue); }
.toc-progress {
  border-top: 1px solid var(--line);
  margin-top: 18px;
  padding-top: 18px;
}
.toc-progress-bar {
  height: 3px;
  background: var(--line-2);
  border-radius: 999px;
  margin-top: 6px;
  overflow: hidden;
}
.toc-progress-fill {
  height: 100%;
  background: var(--ink);
  width: 0%;
  border-radius: 999px;
  transition: width 0.2s;
}
.toc-progress-meta {
  font-size: 11px;
  color: var(--muted);
  margin-top: 6px;
  font-family: var(--mono);
}

/* Main article */
.guide-main {
  max-width: 700px;
}
.guide-main p {
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink-2);
  margin: 0 0 18px;
}
.guide-main p.lede-p {
  font-size: 17px;
  color: var(--ink);
  line-height: 1.75;
}
.dropcap {
  font-family: var(--serif);
  font-size: 50px;
  line-height: 0.9;
  float: left;
  margin-right: 10px;
  margin-top: 6px;
  color: var(--ink);
  font-weight: 500;
}
.guide-main section { margin-bottom: 36px; scroll-margin-top: 130px; }
.guide-main .h2 {
  font-size: clamp(26px, 3vw, 32px);
  letter-spacing: -0.022em;
  margin-bottom: 14px;
  margin-top: 8px;
  font-weight: 400;
}
.guide-main .h3 {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 12px;
  margin-top: 24px;
}
.guide-main strong { color: var(--ink); font-weight: 600; }
.guide-main a { color: var(--blue); }

/* Citation tag */
.cite-tag {
  display: inline-flex;
  align-items: center;
  font-family: var(--mono);
  font-size: 11px;
  background: var(--warm-2);
  padding: 1px 6px;
  border-radius: 3px;
  color: var(--ink-2);
  vertical-align: middle;
  letter-spacing: 0;
}

/* Numbered & bulleted lists */
.numbered-list, .fails-list {
  margin: 14px 0 24px;
  padding-left: 22px;
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink-2);
}
.numbered-list li, .fails-list li { margin-bottom: 10px; }

/* Cards */
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
}

/* Mid-article calculator widget */
.calc-card { padding: 0; margin: 26px 0 32px; overflow: hidden; }
.calc-card-head {
  padding: 12px 18px;
  border-bottom: 1px solid var(--line);
  background: var(--warm);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.calc-card-eyebrow {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
}
.calc-card-eyebrow .eyebrow {
  letter-spacing: 0.08em;
}
.calc-card-widget-id {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--muted);
}
.calc-card-body {
  padding: 18px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
.calc-input-group { display: flex; flex-direction: column; }
.calc-input-label {
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 6px;
}
.calc-input-label-stacked { margin-top: 14px; }
.calc-input-display {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}
.calc-input-prefix { color: var(--muted); }
.calc-input-value {
  font-family: var(--mono);
  font-weight: 500;
  color: var(--ink);
}
.calc-input-group input[type="range"] {
  width: 100%;
  margin-top: 14px;
  accent-color: var(--ink);
  height: 4px;
}
.calc-input-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--muted);
  margin-top: 6px;
  font-family: var(--mono);
}
.calc-toggle-group {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.calc-toggle {
  padding: 7px 12px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: var(--paper);
  color: var(--ink);
  font-size: 13px;
  font-family: inherit;
  cursor: pointer;
  transition: 0.15s;
}
.calc-toggle.is-active {
  background: var(--ink);
  color: #fff;
  border-color: var(--ink);
}
.calc-toggle-group-mono .calc-toggle {
  font-family: var(--mono);
  font-weight: 500;
}
.calc-card-foot {
  padding: 14px 18px;
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--warm);
  gap: 14px;
  flex-wrap: wrap;
}
.calc-result-label {
  font-size: 11px;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}
.calc-result-amount {
  font-size: 32px;
  font-weight: 500;
  color: var(--green);
  letter-spacing: -0.02em;
  margin-top: 2px;
  font-variant-numeric: tabular-nums;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;
  padding: 12px 18px;
  border-radius: 8px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: transform 0.08s ease, background 0.15s, border 0.15s, color 0.15s;
  text-decoration: none;
  white-space: nowrap;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--ink);
  color: #fff;
}
.btn-primary:hover { background: #001528; color: #fff; }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover { background: var(--warm); color: var(--ink); }

/* Pull quote */
.pullquote-figure { margin: 28px 0; }
.pullquote {
  font-family: var(--serif);
  font-size: clamp(22px, 2.4vw, 28px);
  line-height: 1.3;
  letter-spacing: -0.02em;
  color: var(--ink);
  border-left: 2px solid var(--ink);
  padding: 4px 0 4px 20px;
  margin: 0;
}
.pullquote cite {
  display: block;
  font-family: var(--sans);
  font-size: 13px;
  font-style: normal;
  color: var(--muted);
  margin-top: 14px;
  letter-spacing: 0;
}

/* Callout */
.callout {
  background: var(--warm);
  border: 1px solid var(--line);
  border-left: 2px solid var(--ink);
  padding: 18px 20px;
  border-radius: 4px;
  margin: 22px 0;
}
.callout h4 {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink);
  margin: 0 0 8px;
}
.callout p { font-size: 14px; line-height: 1.55; color: var(--ink-2); margin: 0; }

/* Scenarios grid (calm white cards, severity in icon) */
.scenarios-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 24px;
}
.scenario-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.scenario-title { font-size: 13px; font-weight: 600; color: var(--ink); margin-bottom: 2px; }
.scenario-body { font-size: 12px; color: var(--muted); line-height: 1.45; }
.sev-ico {
  width: 24px;
  height: 24px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.sev-ico.yes { background: var(--green-bg); color: var(--green); }
.sev-ico.maybe { background: var(--amber-bg); color: var(--amber); }
.sev-ico.no { background: var(--red-bg); color: var(--red); }

/* Article-end CTA */
.article-end-cta {
  margin-top: 48px;
  padding: 28px;
  background: var(--warm);
  border: 1px solid var(--line);
  border-radius: 12px;
  text-align: left;
}
.article-end-cta h3 { margin-bottom: 12px; }
.article-end-cta p { font-size: 15px; color: var(--ink-2); margin-bottom: 20px; }
.article-end-cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* Right rail */
.right-rail {
  position: sticky;
  top: 130px;
  align-self: start;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.rail-card { padding: 18px; }
.rail-card-warm { background: var(--warm); }
.rail-card-eyebrow { margin-bottom: 12px; display: block; }
.rail-card-body {
  font-size: 13px;
  line-height: 1.5;
  color: var(--ink-2);
  margin: 0 0 14px;
}
.rail-card-btn { width: 100%; }

/* Sub-guides list */
.sub-guides-list { list-style: none; padding: 0; margin: 0; font-size: 13px; }
.sub-guides-list li {
  padding: 9px 0;
  border-bottom: 1px solid var(--line-2);
}
.sub-guides-list li:last-child { border-bottom: none; }
.sub-guides-list a { color: var(--ink); text-decoration: none; display: block; }
.sub-guides-list a:hover .sg-title { color: var(--blue); }
.sg-title { font-weight: 500; margin-bottom: 2px; }
.sg-sub {
  font-family: var(--mono);
  font-size: 10px;
  color: var(--muted);
  letter-spacing: 0.02em;
}

/* Cited list */
.cited-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 11px;
  font-family: var(--mono);
  color: var(--ink-2);
  line-height: 1.8;
}
.cited-more { color: var(--muted); }

/* Verdict pills */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.pill-yes { color: var(--green); background: var(--green-bg); }
.pill-maybe { color: var(--amber); background: var(--amber-bg); }
.pill-no { color: var(--red); background: var(--red-bg); }
.pill-dot { width: 6px; height: 6px; border-radius: 999px; background: currentColor; }

/* Persona avatar (monogram tile) */
.avatar {
  width: 56px;
  height: 56px;
  border-radius: 12px;
  background: var(--warm);
  border: 1px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-style: italic;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}
.avatar::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(45deg, transparent 0 8px, rgba(11,31,51,0.04) 8px 9px);
  pointer-events: none;
}
.avatar.av-blue { background: #E5EDFB; color: var(--blue-ink); border-color: #CDDCFA; }
.avatar.av-green { background: #E0EFE7; color: #0a6747; border-color: #C9E2D4; }
.avatar.av-amber { background: #F8EBCD; color: #7B5008; border-color: #EDDAB1; }
.avatar.av-red { background: #F4DCD8; color: #872B2B; border-color: #ECC7C2; }
.avatar.av-violet { background: #E9E4F2; color: #4D3D80; border-color: #D6CFE6; }
.avatar.av-clay { background: #F0E4DA; color: #6B452C; border-color: #E2D2C2; }
.avatar.av-ink { background: #DCE2EA; color: var(--ink); border-color: #C9D2DD; }
.avatar.av-slate { background: #E3E6EA; color: #2A3B4F; border-color: #D2D7DD; }
.avatar .av-mark { position: relative; z-index: 1; }

/* Personas section */
.personas-section {
  background: var(--paper);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 64px 28px;
}
.personas-inner { max-width: var(--max); margin: 0 auto; }
.personas-head { max-width: 720px; margin-bottom: 36px; }
.personas-head .eyebrow { display: block; margin-bottom: 10px; }
.personas-head h2 {
  font-size: clamp(28px, 3.4vw, 38px);
  margin-bottom: 14px;
  font-weight: 400;
}
.personas-head p { font-size: 16px; color: var(--ink-2); line-height: 1.6; margin: 0; }
.personas-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.persona-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-decoration: none;
  color: var(--ink);
  transition: border-color 0.15s, transform 0.1s, box-shadow 0.15s;
}
a.persona-card:hover {
  border-color: var(--ink);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(11, 31, 51, 0.08);
  text-decoration: none;
}
a.persona-card:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}
.persona-card .avatar { width: 48px; height: 48px; font-size: 18px; }
.persona-illus {
  width: 100%;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  border-radius: 10px;
  background: var(--warm);
  border: 1px solid var(--line);
  margin-bottom: 4px;
}
.persona-name {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 500;
  letter-spacing: -0.018em;
}
.persona-line { font-size: 13px; color: var(--muted); line-height: 1.5; }
.persona-tag-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 4px;
  padding-top: 12px;
  border-top: 1px solid var(--line-2);
  gap: 8px;
}
.persona-tag {
  font-family: var(--mono);
  font-size: 10px;
  color: var(--muted);
  letter-spacing: 0.02em;
}

/* FAQ */
.faq-section { padding: 64px 28px; }
.faq-inner { max-width: 880px; margin: 0 auto; }
.faq-section .eyebrow { display: block; margin-bottom: 10px; }
.faq-section h2 {
  font-size: clamp(28px, 3.4vw, 38px);
  margin-bottom: 24px;
  font-weight: 400;
}
details {
  border-top: 1px solid var(--line);
  padding: 18px 0;
}
details:last-of-type { border-bottom: 1px solid var(--line); }
summary {
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 500;
  letter-spacing: -0.018em;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
  position: relative;
  padding-right: 30px;
}
summary::-webkit-details-marker { display: none; }
summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: -2px;
  font-size: 24px;
  font-weight: 400;
  color: var(--blue);
  transition: transform 0.2s;
  line-height: 1;
}
details[open] summary::after { content: "−"; }
details p {
  margin: 14px 0 0;
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.7;
  max-width: 720px;
}
details p strong { color: var(--ink); font-weight: 600; }

/* Footer */
.scs-footer {
  border-top: 1px solid var(--line);
  background: var(--warm);
  padding: 48px 28px 28px;
  font-size: 13px;
  color: var(--muted);
}
.scs-footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  max-width: var(--max);
  margin: 0 auto 28px;
}
.scs-footer h5 {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin: 0 0 12px;
}
.scs-footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.scs-footer a { color: var(--ink-2); text-decoration: none; }
.scs-footer a:hover { color: var(--blue); }
.scs-footer-logo { margin-bottom: 12px; }
.scs-footer-blurb {
  margin: 0;
  font-size: 13px;
  line-height: 1.55;
  color: var(--muted);
}
.scs-footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: 12px;
  max-width: var(--max);
  margin: 0 auto;
}
.scs-footer-version { font-family: var(--mono); font-size: 11px; }
.scs-footer-disc {
  max-width: var(--max);
  margin: 18px auto 0;
  padding-top: 14px;
  font-size: 11.5px;
  line-height: 1.6;
  color: var(--muted);
}

/* Responsive */
@media (max-width: 1100px) {
  .guide-grid {
    grid-template-columns: 200px minmax(0, 1fr);
    gap: 32px;
  }
  .right-rail { display: none; }
  .scs-footer-grid { grid-template-columns: 1fr 1fr 1fr 1fr; gap: 20px; }
}
@media (max-width: 900px) {
  .scs-header { padding: 16px 24px; }
  .scs-nav { display: none; }
  .scs-nav.is-open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    border-bottom: 1px solid var(--line);
    padding: 16px 24px 24px;
    gap: 14px;
  }
  .scs-nav.is-open .scs-cta { padding: 12px 16px; text-align: center; }
  .scs-nav-toggle { display: inline-block; }

  .title-block { padding: 36px 24px 24px; }
  .anchor-nav { padding: 0 24px; }
  .anchor-nav-wrap { top: 60px; }

  .guide-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 24px;
    padding: 28px 24px 36px;
  }
  .toc-rail { position: static; padding: 16px; background: var(--paper); border: 1px solid var(--line); border-radius: 12px; }
  .toc-rail .toc-progress { display: none; }

  .guide-main { max-width: 100%; }
  .calc-card-body { grid-template-columns: 1fr; }
  .scenarios-grid { grid-template-columns: 1fr; }

  .personas-section { padding: 48px 24px; }
  .personas-grid { grid-template-columns: 1fr 1fr; }

  .faq-section { padding: 48px 24px; }

  .scs-footer { padding: 36px 24px 20px; }
  .scs-footer-grid { grid-template-columns: 1fr 1fr; }
  .scs-footer-bottom { flex-direction: column; gap: 8px; align-items: flex-start; }
}
@media (max-width: 540px) {
  .title-h1 { font-size: clamp(28px, 8vw, 42px); }
  .title-eyebrow { gap: 8px; }
  .personas-grid { grid-template-columns: 1fr; }
  .article-end-cta-btns { flex-direction: column; }
  .article-end-cta-btns .btn { width: 100%; }
  .scs-footer-grid { grid-template-columns: 1fr; }
}

/* Mobile baseline (network-wide pattern) */
input:not([type=hidden]), select, textarea {
  font-size: 16px !important;
}
.btn, .calc-toggle, summary, .scs-nav-toggle, .scs-nav .scs-cta {
  min-height: 40px;
}
button.calc-toggle { min-height: 36px; } /* dense toggles ok smaller */

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}

/* Smooth scrolling for anchors */
html { scroll-behavior: smooth; }

/* ============================================================
   Persona deep-dive pages — /personas/<slug>/
   ============================================================ */

.pp-breadcrumb {
  max-width: var(--max);
  margin: 0 auto;
  padding: 16px 28px 0;
  font-size: 12px;
  color: var(--muted);
  font-family: var(--mono);
  letter-spacing: 0.02em;
}
.pp-breadcrumb a { color: var(--muted); text-decoration: none; }
.pp-breadcrumb a:hover { color: var(--blue); }
.pp-breadcrumb-sep { padding: 0 6px; }

.pp-hero {
  max-width: var(--max);
  margin: 0 auto;
  padding: 24px 28px 32px;
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 48px;
  align-items: center;
  border-bottom: 1px solid var(--line);
}
.pp-hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
  flex-wrap: wrap;
}
.pp-hero h1 {
  font-family: var(--serif);
  font-size: clamp(36px, 5vw, 56px);
  line-height: 1.04;
  letter-spacing: -0.026em;
  margin-bottom: 18px;
  font-weight: 400;
  max-width: 720px;
}
.pp-hero h1 em {
  font-family: var(--serif);
  font-style: italic;
  color: var(--blue);
}
.pp-hero-lede {
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.5;
  color: var(--ink-2);
  max-width: 640px;
  margin: 0 0 18px;
}
.pp-hero-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 8px;
}
.pp-hero-tag {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.02em;
  color: var(--ink-2);
  background: var(--warm-2);
  padding: 4px 10px;
  border-radius: 999px;
}
.pp-hero-portrait {
  background: var(--warm);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.pp-hero-portrait img {
  width: 100%;
  aspect-ratio: 1/1;
  object-fit: cover;
  border-radius: 10px;
}
.pp-hero-portrait .pp-portrait-meta {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.06em;
  color: var(--muted);
  text-transform: uppercase;
  margin-top: 4px;
}

.pp-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 48px;
  padding: 44px 28px 56px;
  max-width: var(--max);
  margin: 0 auto;
  align-items: start;
}
.pp-main { max-width: 740px; }
.pp-main h2 {
  font-family: var(--serif);
  font-size: clamp(24px, 3vw, 30px);
  letter-spacing: -0.022em;
  font-weight: 400;
  margin: 36px 0 14px;
  scroll-margin-top: 100px;
}
.pp-main h2:first-of-type { margin-top: 0; }
.pp-main h3 {
  font-size: 18px;
  font-weight: 600;
  margin: 26px 0 10px;
}
.pp-main p {
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink-2);
  margin: 0 0 18px;
}
.pp-main p strong { color: var(--ink); font-weight: 600; }
.pp-main p a { color: var(--blue); }

/* Money table for worked examples */
.pp-money {
  margin: 24px 0 28px;
  border: 1px solid var(--line);
  border-radius: 10px;
  overflow: hidden;
  background: var(--paper);
}
.pp-money-head {
  padding: 12px 18px;
  background: var(--warm);
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.pp-money-head-title {
  font-size: 13px;
  font-weight: 600;
  color: var(--ink);
}
.pp-money-head-meta {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.04em;
}
.pp-money table {
  width: 100%;
  border-collapse: collapse;
  font-variant-numeric: tabular-nums;
}
.pp-money th {
  text-align: left;
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  padding: 10px 18px;
  border-bottom: 1px solid var(--line);
  background: var(--paper);
}
.pp-money td {
  padding: 11px 18px;
  border-bottom: 1px solid var(--line-2);
  color: var(--ink);
  font-size: 14px;
}
.pp-money tr:last-child td { border-bottom: none; }
.pp-money .num { text-align: right; font-family: var(--mono); }
.pp-money .num.pos { color: var(--green); }
.pp-money .num.neg { color: var(--red); }
.pp-money .row-total td {
  font-weight: 600;
  background: var(--warm);
  border-top: 2px solid var(--ink);
  font-size: 15px;
}

/* Decision tree (vertical chips) */
.pp-tree {
  margin: 28px 0;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--paper);
  padding: 18px;
}
.pp-tree-title {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  font-weight: 600;
  margin-bottom: 14px;
}
.pp-tree-step {
  padding: 12px 14px;
  background: var(--warm);
  border: 1px solid var(--line);
  border-radius: 8px;
  margin-bottom: 8px;
}
.pp-tree-q {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--ink);
}
.pp-tree-text {
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.5;
  margin-top: 4px;
}
.pp-tree-branch {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: var(--mono);
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 2px 8px;
  border-radius: 999px;
  margin: 8px 0;
}
.pp-tree-branch.yes { background: var(--green-bg); color: var(--green); }
.pp-tree-branch.no { background: var(--red-bg); color: var(--red); }
.pp-tree-final {
  padding: 14px;
  border-radius: 8px;
  margin-top: 10px;
}
.pp-tree-final.yes { background: var(--green-bg); border-left: 3px solid var(--green); }
.pp-tree-final.maybe { background: var(--amber-bg); border-left: 3px solid var(--amber); }
.pp-tree-final.no { background: var(--red-bg); border-left: 3px solid var(--red); }
.pp-tree-verdict { font-size: 11px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; }
.pp-tree-verdict.yes { color: var(--green); }
.pp-tree-verdict.maybe { color: var(--amber); }
.pp-tree-verdict.no { color: var(--red); }
.pp-tree-action { font-size: 14px; color: var(--ink); margin-top: 4px; line-height: 1.5; }

/* Counter-cases box */
.pp-counter {
  background: var(--warm);
  border: 1px solid var(--line);
  border-left: 3px solid var(--ink);
  border-radius: 6px;
  padding: 18px 22px;
  margin: 24px 0;
}
.pp-counter-title {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink);
  margin-bottom: 10px;
}
.pp-counter ul { padding-left: 22px; margin: 0; }
.pp-counter li { font-size: 14px; color: var(--ink-2); line-height: 1.6; margin-bottom: 6px; }
.pp-counter li strong { color: var(--ink); }

/* End-of-article CTAs */
.pp-cta {
  background: var(--warm);
  border-radius: 12px;
  padding: 28px;
  margin: 36px 0;
}
.pp-cta h3 {
  font-family: var(--serif);
  font-size: 26px;
  letter-spacing: -0.022em;
  font-weight: 500;
  margin: 0 0 12px;
}
.pp-cta p { font-size: 15px; color: var(--ink-2); margin-bottom: 18px; }
.pp-cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* Right-rail card on persona pages */
.pp-rail {
  position: sticky;
  top: 100px;
  align-self: start;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.pp-rail .card { padding: 18px; }
.pp-rail-eyebrow {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--muted);
  margin-bottom: 10px;
}
.pp-rail-verdict {
  text-align: center;
  padding: 24px 18px;
}
.pp-rail-verdict-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.pp-rail-verdict-pill.yes { color: var(--green); background: var(--green-bg); }
.pp-rail-verdict-pill.maybe { color: var(--amber); background: var(--amber-bg); }
.pp-rail-verdict-pill.no { color: var(--red); background: var(--red-bg); }
.pp-rail-verdict h4 {
  font-family: var(--serif);
  font-size: 22px;
  letter-spacing: -0.018em;
  font-weight: 500;
  margin: 12px 0 8px;
}
.pp-rail-verdict p {
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.5;
  margin: 0 0 16px;
}
.pp-rail-related ul {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 13px;
}
.pp-rail-related li {
  padding: 8px 0;
  border-bottom: 1px solid var(--line-2);
}
.pp-rail-related li:last-child { border-bottom: none; }
.pp-rail-related a {
  color: var(--ink);
  text-decoration: none;
}
.pp-rail-related a:hover { color: var(--blue); }
.pp-rail-related .pp-rail-name { font-weight: 500; margin-bottom: 2px; }
.pp-rail-related .pp-rail-line {
  font-size: 11px;
  color: var(--muted);
  font-family: var(--mono);
  letter-spacing: 0.02em;
}

@media (max-width: 1100px) {
  .pp-grid { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .pp-rail { display: none; }
  .pp-hero { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .pp-hero-portrait { max-width: 280px; margin: 0 auto; }
}
@media (max-width: 900px) {
  .pp-hero, .pp-grid { padding: 28px 24px; }
  .pp-money table { font-size: 13px; }
  .pp-money th, .pp-money td { padding: 9px 12px; }
}


/* Accessibility helpers */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.skip-link {
  position: absolute;
  top: -100px;
  left: 0;
  z-index: 9999;
  background: var(--ink);
  color: #fff;
  padding: 12px 18px;
  text-decoration: none;
  font-weight: 500;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { top: 0; }

/* Callout title (replaces h4 to fix heading-order) */
.callout-title {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink);
  margin: 0 0 8px;
}
.footer-h {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin: 0 0 12px;
}

/* Title block author byline */
.title-author {
  font-style: normal;
  display: inline;
}
.title-author a { color: var(--muted); text-decoration: underline; text-underline-offset: 2px; text-decoration-color: var(--line); }
.title-author a:hover { color: var(--blue); text-decoration-color: var(--blue); }