/* The Money Zone - app.css
 * Design tokens, layout primitives, components.
 */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; }
img, svg { max-width: 100%; height: auto; display: block; }
button, input, select, textarea { font: inherit; color: inherit; }
button { background: none; border: 0; cursor: pointer; }
a { color: inherit; }

/* ---------- Tokens ---------- */
:root {
  --tmz-green:        #1F8A4C;
  --tmz-green-dark:   #16683A;
  --tmz-green-soft:   #E6F4EC;
  --tmz-navy:         #0F2A44;
  --tmz-navy-soft:    #E6ECF3;
  --tmz-ink:          #1A1F2B;
  --tmz-muted:        #5B6573;
  --tmz-soft:         #8A95A4;
  --tmz-line:         #E4E7EB;
  --tmz-line-soft:    #F1F3F5;
  --tmz-bg:           #FFFFFF;
  --tmz-bg-soft:      #F7F9FB;
  --tmz-accent:       #F2A93B;
  --tmz-accent-soft:  #FFF3DB;
  --tmz-danger:       #C0392B;
  --tmz-danger-soft:  #FBEAE8;

  --r-xs: 4px;
  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 14px;
  --r-xl: 20px;

  --s-1: 4px;  --s-2: 8px;  --s-3: 12px; --s-4: 16px;
  --s-5: 20px; --s-6: 24px; --s-7: 32px; --s-8: 40px;
  --s-9: 56px; --s-10: 72px;

  --sh-1: 0 1px 2px rgba(16,24,40,.04), 0 1px 1px rgba(16,24,40,.04);
  --sh-2: 0 4px 12px rgba(16,24,40,.06), 0 2px 4px rgba(16,24,40,.04);
  --sh-3: 0 12px 32px rgba(16,24,40,.10), 0 4px 8px rgba(16,24,40,.04);

  --container: 1180px;
  --container-narrow: 760px;

  --ff-body: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --ff-head: 'Inter Tight', 'Inter', system-ui, sans-serif;
}

/* ---------- Base typography ---------- */
body {
  font-family: var(--ff-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--tmz-ink);
  background: var(--tmz-bg);
}

h1, h2, h3, h4 {
  font-family: var(--ff-head);
  line-height: 1.2;
  color: var(--tmz-navy);
  margin: 0 0 var(--s-4);
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 2.5vw, 2rem);  font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; }

p { margin: 0 0 var(--s-4); }
a { color: var(--tmz-green-dark); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--tmz-green); }

hr { border: 0; border-top: 1px solid var(--tmz-line); margin: var(--s-6) 0; }

ul, ol { padding-left: 1.25rem; margin: 0 0 var(--s-4); }
li { margin-bottom: var(--s-2); }

code { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: .92em; background: var(--tmz-line-soft); padding: 2px 5px; border-radius: var(--r-xs); }

/* ---------- Accessibility helpers ---------- */
.tmz-sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.tmz-skip { position: absolute; left: -9999px; top: 0; background: var(--tmz-navy); color: #fff; padding: 8px 14px; z-index: 100; }
.tmz-skip:focus { left: 8px; top: 8px; }

/* ---------- Layout primitives ---------- */
.tmz-container { max-width: var(--container); margin: 0 auto; padding: 0 var(--s-5); }
.tmz-container--narrow { max-width: var(--container-narrow); }

.tmz-main { min-height: 50vh; }

.tmz-section { padding: var(--s-9) 0; }
.tmz-section--tight { padding: var(--s-7) 0; }
.tmz-section--soft  { background: var(--tmz-bg-soft); }
.tmz-section--green { background: var(--tmz-green-soft); }

.tmz-grid { display: grid; gap: var(--s-6); }
.tmz-grid--3 { grid-template-columns: repeat(3, 1fr); }
.tmz-grid--4 { grid-template-columns: repeat(4, 1fr); }
.tmz-grid--2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) {
  .tmz-grid--3, .tmz-grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .tmz-grid--2, .tmz-grid--3, .tmz-grid--4 { grid-template-columns: 1fr; }
}

/* ---------- Top nav ---------- */
.tmz-topnav { background: #fff; border-bottom: 1px solid var(--tmz-line); position: sticky; top: 0; z-index: 50; }
.tmz-topnav__inner { display: flex; align-items: center; justify-content: space-between; height: 64px; gap: var(--s-4); }

.tmz-brand { display: inline-flex; align-items: center; gap: var(--s-2); text-decoration: none; color: var(--tmz-navy); font-family: var(--ff-head); font-weight: 800; font-size: 1.15rem; }
.tmz-brand:hover { color: var(--tmz-green-dark); }
.tmz-brand__mark { display: inline-flex; }
.tmz-brand--footer { color: #fff; }
.tmz-brand--footer:hover { color: var(--tmz-green-soft); }

.tmz-nav__list { list-style: none; display: flex; gap: var(--s-2); margin: 0; padding: 0; align-items: center; }
.tmz-nav__link { display: inline-flex; align-items: center; gap: 4px; padding: 8px 12px; border-radius: var(--r-sm); color: var(--tmz-navy); text-decoration: none; font-weight: 500; font-size: .95rem; }
.tmz-nav__link:hover { background: var(--tmz-bg-soft); color: var(--tmz-green-dark); }
.tmz-nav__toggle .material-symbols-outlined { font-size: 18px; }

.tmz-nav__item--has-menu { position: relative; }
.tmz-megamenu { position: absolute; top: 100%; left: 0; display: none; background: #fff; border: 1px solid var(--tmz-line); border-radius: var(--r-md); box-shadow: var(--sh-2); padding: var(--s-3); width: 720px; grid-template-columns: 1fr 1fr; gap: var(--s-2); }
.tmz-nav__item--has-menu:hover .tmz-megamenu,
.tmz-nav__item--has-menu:focus-within .tmz-megamenu { display: grid; }
.tmz-megamenu__item { display: block; padding: var(--s-3); border-radius: var(--r-sm); text-decoration: none; color: var(--tmz-navy); }
.tmz-megamenu__item:hover { background: var(--tmz-green-soft); }
.tmz-megamenu__item strong { display: block; font-family: var(--ff-head); }
.tmz-megamenu__item span { color: var(--tmz-muted); font-size: .9rem; }

.tmz-nav__burger { display: none; flex-direction: column; gap: 4px; padding: 8px; }
.tmz-nav__burger span { display: block; width: 22px; height: 2px; background: var(--tmz-navy); border-radius: 2px; transition: transform .2s, opacity .2s; }

@media (max-width: 900px) {
  .tmz-nav { position: fixed; inset: 64px 0 0 0; background: #fff; padding: var(--s-5); transform: translateX(100%); transition: transform .2s ease; overflow-y: auto; }
  .tmz-nav.is-open { transform: translateX(0); }
  .tmz-nav__list { flex-direction: column; align-items: stretch; gap: var(--s-1); }
  .tmz-nav__link { width: 100%; padding: 14px; font-size: 1.05rem; }
  .tmz-megamenu { position: static; display: grid; width: 100%; box-shadow: none; border: 0; padding: 0; grid-template-columns: 1fr; }
  .tmz-nav__burger { display: inline-flex; }
}

/* ---------- Buttons ---------- */
.tmz-btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; padding: 10px 18px; border-radius: var(--r-md); font-weight: 600; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .05s; font-size: .95rem; }
.tmz-btn:active { transform: translateY(1px); }
.tmz-btn--primary { background: var(--tmz-green); color: #fff; }
.tmz-btn--primary:hover { background: var(--tmz-green-dark); color: #fff; }
.tmz-btn--secondary { background: #fff; color: var(--tmz-navy); border-color: var(--tmz-line); }
.tmz-btn--secondary:hover { border-color: var(--tmz-green); color: var(--tmz-green-dark); }
.tmz-btn--ghost { background: transparent; color: var(--tmz-navy); }
.tmz-btn--ghost:hover { background: var(--tmz-bg-soft); }
.tmz-btn--lg { padding: 14px 24px; font-size: 1.05rem; }
.tmz-btn--block { width: 100%; }

/* ---------- Hero ---------- */
.tmz-hero { background: linear-gradient(160deg, var(--tmz-navy) 0%, #163357 100%); color: #fff; padding: var(--s-10) 0; position: relative; overflow: hidden; }
.tmz-hero::after { content: ''; position: absolute; right: -120px; top: -120px; width: 380px; height: 380px; background: radial-gradient(circle, rgba(31,138,76,.45), transparent 70%); }
.tmz-hero h1 { color: #fff; max-width: 18ch; }
.tmz-hero p.lede { font-size: 1.15rem; color: rgba(255,255,255,.85); max-width: 60ch; margin-bottom: var(--s-6); }
.tmz-hero__cta { display: flex; gap: var(--s-3); flex-wrap: wrap; }

/* ---------- Cards ---------- */
.tmz-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--tmz-line); border-radius: var(--r-lg); overflow: hidden; transition: box-shadow .15s, transform .1s; }
.tmz-card:hover { box-shadow: var(--sh-2); }
.tmz-card__media { display: block; line-height: 0; background: var(--tmz-green-soft); }
.tmz-card__media img { width: 100%; height: 180px; object-fit: cover; }
.tmz-card__body { padding: var(--s-5); display: flex; flex-direction: column; gap: var(--s-2); flex: 1; }
.tmz-card__cat { display: inline-block; font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--tmz-green-dark); }
.tmz-card__title { font-size: 1.15rem; margin: 0; }
.tmz-card__title a { color: var(--tmz-navy); text-decoration: none; }
.tmz-card__title a:hover { color: var(--tmz-green-dark); }
.tmz-card__dek { color: var(--tmz-muted); margin: 0; flex: 1; font-size: .95rem; }
.tmz-card__meta { color: var(--tmz-soft); font-size: .8rem; margin: 0; }
.tmz-card--lg .tmz-card__title { font-size: 1.5rem; }
.tmz-card--lg .tmz-card__media img { height: 280px; }

/* ---------- Pills / Badges ---------- */
.tmz-pill { display: inline-flex; align-items: center; gap: 4px; padding: 4px 10px; border-radius: 999px; font-size: .75rem; font-weight: 600; background: var(--tmz-green-soft); color: var(--tmz-green-dark); }
.tmz-pill--accent { background: var(--tmz-accent-soft); color: #8a5b00; }
.tmz-pill--navy   { background: var(--tmz-navy-soft); color: var(--tmz-navy); }

/* ---------- Breadcrumbs ---------- */
.tmz-breadcrumbs { font-size: .875rem; color: var(--tmz-muted); padding: var(--s-4) 0; }
.tmz-breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px; padding: 0; margin: 0; }
.tmz-breadcrumbs li { display: inline-flex; align-items: center; }
.tmz-breadcrumbs li + li::before { content: '/'; margin: 0 8px; color: var(--tmz-soft); }
.tmz-breadcrumbs a { color: var(--tmz-muted); text-decoration: none; }
.tmz-breadcrumbs a:hover { color: var(--tmz-green-dark); }
.tmz-breadcrumbs [aria-current=page] { color: var(--tmz-navy); }

/* ---------- Article layout ---------- */
.tmz-article-wrap { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: var(--s-8); padding: var(--s-6) 0 var(--s-9); }
@media (max-width: 1024px) { .tmz-article-wrap { grid-template-columns: 1fr; } .tmz-article-aside { display: none; } }
.tmz-article-aside { display: flex; flex-direction: column; gap: var(--s-5); position: sticky; top: 80px; align-self: start; }

.tmz-article header.tmz-article__head h1 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); }
.tmz-byline { display: flex; align-items: center; gap: var(--s-3); color: var(--tmz-muted); font-size: .9rem; margin-bottom: var(--s-5); }
.tmz-byline__dot { width: 4px; height: 4px; border-radius: 50%; background: var(--tmz-soft); display: inline-block; }
.tmz-article__lede { font-size: 1.15rem; color: var(--tmz-muted); margin-bottom: var(--s-6); }

.tmz-prose h2 { margin-top: var(--s-8); }
.tmz-prose h3 { margin-top: var(--s-6); }
.tmz-prose ul li::marker, .tmz-prose ol li::marker { color: var(--tmz-green); }
.tmz-prose blockquote { margin: var(--s-6) 0; padding: var(--s-4) var(--s-5); background: var(--tmz-green-soft); border-left: 4px solid var(--tmz-green); border-radius: var(--r-sm); color: var(--tmz-navy); }

.tmz-callout { background: var(--tmz-accent-soft); border-radius: var(--r-md); padding: var(--s-5); margin: var(--s-6) 0; }
.tmz-callout h3 { margin-top: 0; color: #8a5b00; }
.tmz-callout--green { background: var(--tmz-green-soft); }
.tmz-callout--green h3 { color: var(--tmz-green-dark); }
.tmz-callout--navy { background: var(--tmz-navy-soft); }
.tmz-callout--navy h3 { color: var(--tmz-navy); }

.tmz-toc { background: var(--tmz-bg-soft); border-radius: var(--r-md); padding: var(--s-4) var(--s-5); border: 1px solid var(--tmz-line); }
.tmz-toc h4 { margin: 0 0 var(--s-2); font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; color: var(--tmz-muted); }
.tmz-toc ol { padding-left: var(--s-5); margin: 0; }
.tmz-toc li { margin-bottom: 6px; }
.tmz-toc a { text-decoration: none; }

.tmz-table-wrap { overflow-x: auto; margin: var(--s-5) 0; border: 1px solid var(--tmz-line); border-radius: var(--r-md); }
.tmz-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.tmz-table th, .tmz-table td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--tmz-line); }
.tmz-table th { background: var(--tmz-bg-soft); font-weight: 600; }
.tmz-table tr:last-child td { border-bottom: 0; }

/* ---------- Ad slots ---------- */
.tmz-ad { display: flex; flex-direction: column; align-items: center; justify-content: center; border: 1.5px dashed var(--tmz-line); border-radius: var(--r-sm); background: var(--tmz-bg-soft); color: var(--tmz-soft); margin: var(--s-5) auto; padding: var(--s-2); text-align: center; box-sizing: border-box; }
.tmz-ad__label { font-size: .65rem; text-transform: uppercase; letter-spacing: .12em; color: var(--tmz-soft); }
.tmz-ad__size { font-family: var(--ff-head); font-weight: 600; font-size: .9rem; color: var(--tmz-muted); }
.tmz-ad__name { font-weight: 400; font-size: .8rem; color: var(--tmz-soft); margin-left: 4px; }

.tmz-ad--728x90  { width: 728px;  height: 90px;  max-width: 100%; }
.tmz-ad--970x250 { width: 970px;  height: 250px; max-width: 100%; }
.tmz-ad--970x90  { width: 970px;  height: 90px;  max-width: 100%; }
.tmz-ad--300x250 { width: 300px;  height: 250px; }
.tmz-ad--300x600 { width: 300px;  height: 600px; }
.tmz-ad--160x600 { width: 160px;  height: 600px; }
.tmz-ad--320x50  { width: 320px;  height: 50px; max-width: 100%; }
.tmz-ad--320x100 { width: 320px;  height: 100px; max-width: 100%; }
.tmz-ad--300x50  { width: 300px;  height: 50px; }

.tmz-ad-wrap--mobile { display: none; }
@media (max-width: 768px) {
  .tmz-ad-wrap--desktop { display: none; }
  .tmz-ad-wrap--mobile  { display: block; }
}

/* ---------- Newsletter ---------- */
.tmz-newsletter { background: var(--tmz-navy); color: #fff; padding: var(--s-8) 0; }
.tmz-newsletter h2 { color: #fff; margin: 0 0 var(--s-2); }
.tmz-newsletter p  { color: rgba(255,255,255,.8); margin: 0; }
.tmz-newsletter__inner { display: grid; grid-template-columns: 1.2fr 1fr; gap: var(--s-6); align-items: center; }
.tmz-newsletter__form { display: flex; gap: var(--s-2); position: relative; }
.tmz-newsletter__form input { flex: 1; padding: 12px 14px; border-radius: var(--r-md); border: 1px solid transparent; background: rgba(255,255,255,.95); color: var(--tmz-ink); }
.tmz-newsletter__msg { position: absolute; top: 100%; left: 0; margin-top: 8px; color: var(--tmz-green-soft); font-size: .9rem; }
@media (max-width: 768px) { .tmz-newsletter__inner { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.tmz-footer { background: var(--tmz-navy); color: rgba(255,255,255,.8); padding: var(--s-8) 0 var(--s-5); }
.tmz-footer h3 { color: #fff; font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: var(--s-3); }
.tmz-footer__cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: var(--s-6); }
.tmz-footer__tag { color: rgba(255,255,255,.6); margin-top: var(--s-3); font-size: .92rem; max-width: 36ch; }
.tmz-footer ul { list-style: none; padding: 0; margin: 0; }
.tmz-footer li { margin-bottom: 6px; }
.tmz-footer a { color: rgba(255,255,255,.75); text-decoration: none; font-size: .92rem; }
.tmz-footer a:hover { color: #fff; }
.tmz-footer__legal { margin-top: var(--s-7); padding-top: var(--s-5); border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.55); font-size: .8rem; }
.tmz-footer__legal p + p { margin-top: var(--s-2); }
@media (max-width: 800px) { .tmz-footer__cols { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .tmz-footer__cols { grid-template-columns: 1fr; } }

/* ---------- Calculator UI ---------- */
.tmz-calc { display: grid; grid-template-columns: 1.1fr 1fr; gap: var(--s-7); padding: var(--s-6) 0; }
@media (max-width: 900px) { .tmz-calc { grid-template-columns: 1fr; } }

.tmz-calc__form { background: #fff; border: 1px solid var(--tmz-line); border-radius: var(--r-lg); padding: var(--s-6); }
.tmz-calc__results { background: var(--tmz-green-soft); border-radius: var(--r-lg); padding: var(--s-6); position: sticky; top: 80px; align-self: start; }
.tmz-calc__results h3 { color: var(--tmz-green-dark); }

.tmz-field { display: block; margin-bottom: var(--s-5); }
.tmz-field label { display: block; font-weight: 600; color: var(--tmz-navy); margin-bottom: 6px; font-size: .92rem; }
.tmz-field .tmz-help { color: var(--tmz-muted); font-size: .82rem; margin-top: 4px; }
.tmz-input, .tmz-select { width: 100%; padding: 10px 12px; border: 1px solid var(--tmz-line); border-radius: var(--r-sm); background: #fff; font-size: 1rem; }
.tmz-input:focus, .tmz-select:focus { outline: none; border-color: var(--tmz-green); box-shadow: 0 0 0 3px var(--tmz-green-soft); }

.tmz-input-group { position: relative; display: flex; }
.tmz-input-group .tmz-affix { display: inline-flex; align-items: center; padding: 0 12px; background: var(--tmz-bg-soft); border: 1px solid var(--tmz-line); border-right: 0; border-radius: var(--r-sm) 0 0 var(--r-sm); color: var(--tmz-muted); font-weight: 500; }
.tmz-input-group .tmz-input { border-radius: 0 var(--r-sm) var(--r-sm) 0; }
.tmz-input-group--suffix .tmz-input { border-radius: var(--r-sm) 0 0 var(--r-sm); border-right: 0; }
.tmz-input-group--suffix .tmz-affix { border-radius: 0 var(--r-sm) var(--r-sm) 0; border-left: 0; border-right: 1px solid var(--tmz-line); }

.tmz-result { display: flex; flex-direction: column; gap: var(--s-2); margin-bottom: var(--s-5); }
.tmz-result__big { font-family: var(--ff-head); font-weight: 800; font-size: clamp(1.75rem, 4vw, 2.5rem); color: var(--tmz-navy); line-height: 1; }
.tmz-result__label { color: var(--tmz-muted); font-size: .9rem; text-transform: uppercase; letter-spacing: .06em; }
.tmz-result__row { display: flex; justify-content: space-between; gap: var(--s-3); padding: 8px 0; border-bottom: 1px solid rgba(31,138,76,.15); font-size: .95rem; }
.tmz-result__row:last-child { border-bottom: 0; }
.tmz-result__row strong { color: var(--tmz-navy); }

.tmz-radio-group { display: flex; gap: var(--s-2); flex-wrap: wrap; }
.tmz-radio-group label { display: inline-flex; align-items: center; gap: 6px; background: #fff; border: 1px solid var(--tmz-line); border-radius: 999px; padding: 6px 14px; cursor: pointer; font-weight: 500; font-size: .9rem; }
.tmz-radio-group input { accent-color: var(--tmz-green); }

/* ---------- Tool tile ---------- */
.tmz-tool { display: flex; flex-direction: column; gap: var(--s-2); padding: var(--s-5); background: #fff; border: 1px solid var(--tmz-line); border-radius: var(--r-lg); text-decoration: none; color: var(--tmz-navy); transition: box-shadow .15s, transform .1s; }
.tmz-tool:hover { box-shadow: var(--sh-2); transform: translateY(-1px); }
.tmz-tool__icon { width: 44px; height: 44px; border-radius: var(--r-md); background: var(--tmz-green-soft); color: var(--tmz-green-dark); display: inline-flex; align-items: center; justify-content: center; font-family: 'Material Symbols Outlined', sans-serif; font-size: 24px; }
.tmz-tool h3 { margin: 0; font-size: 1.1rem; }
.tmz-tool p { color: var(--tmz-muted); margin: 0; font-size: .92rem; }

/* ---------- Misc ---------- */
.tmz-tag-row { display: flex; gap: var(--s-2); flex-wrap: wrap; }
.tmz-text-center { text-align: center; }
.tmz-text-muted { color: var(--tmz-muted); }
.tmz-mb-0 { margin-bottom: 0; }
.tmz-mb-4 { margin-bottom: var(--s-4); }
.tmz-mt-6 { margin-top: var(--s-6); }
.tmz-stack > * + * { margin-top: var(--s-4); }
.tmz-stack--lg > * + * { margin-top: var(--s-6); }

/* Page-level no-print */
@media print { .tmz-topnav, .tmz-footer, .tmz-newsletter, .tmz-ad { display: none !important; } }