/* Savings & Emergency Fund — global stylesheet (English only, no CJK) */
:root{
  --bg:#ffffff;
  --surface:#f6f9fb;
  --surface-2:#eef3f7;
  --text:#0f1b2d;
  --muted:#5b6b7f;
  --primary:#0e7c86;
  --primary-700:#0a5e66;
  --primary-50:#e6f4f5;
  --accent:#f2a93b;
  --border:#e2e9ef;
  --footer-bg:#0d1b2a;
  --footer-text:#cdd9e5;
  --radius:14px;
  --shadow:0 6px 24px rgba(13,27,42,.08);
  --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.brand-word{font-family:"Outfit","Manrope",-apple-system,sans-serif;line-height:1.2;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.5rem,3.4vw,2.1rem);margin:0 0 .4em}
h2{font-size:clamp(1.2rem,2.4vw,1.55rem);margin:1.6em 0 .5em;color:var(--primary-700)}
h3{font-size:1.1rem;margin:1.2em 0 .4em}
p{margin:0 0 1em;color:var(--text)}
a{color:var(--primary-700);text-decoration:none}
a:hover{text-decoration:underline}
ul,ol{margin:0 0 1em;padding-left:1.3em}
li{margin:.3em 0}
img{max-width:100%;display:block;border-radius:10px}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.muted{color:var(--muted)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(150%) blur(8px);border-bottom:1px solid var(--border)}
.header-inner{max-width:var(--maxw);margin:0 auto;padding:12px 20px;display:flex;align-items:center;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700}
.brand svg{width:38px;height:38px;flex:0 0 auto}
.brand-word{font-size:1.12rem;color:var(--text);line-height:1.05}
.brand-word small{display:block;font-size:.68rem;font-weight:600;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;font-family:"Manrope",sans-serif}
.main-nav{margin-left:auto;display:flex;gap:18px;align-items:center}
.main-nav a{color:var(--text);font-weight:600;font-size:.95rem}
.main-nav a:hover{color:var(--primary-700);text-decoration:none}
.header-actions{display:flex;align-items:center;gap:12px}
.search-btn{display:none;background:var(--surface-2);border:1px solid var(--border);border-radius:10px;width:40px;height:40px;cursor:pointer;align-items:center;justify-content:center}
.search-btn svg{width:20px;height:20px}
.hamburger{display:none;background:none;border:1px solid var(--border);border-radius:10px;width:42px;height:40px;cursor:pointer;flex-direction:column;gap:4px;align-items:center;justify-content:center}
.hamburger span{display:block;width:20px;height:2px;background:var(--text);border-radius:2px}
.mobile-nav{display:none;flex-direction:column;background:var(--bg);border-bottom:1px solid var(--border);padding:8px 20px 16px}
.mobile-nav.open{display:flex}
.mobile-nav a{padding:10px 0;color:var(--text);font-weight:600;border-bottom:1px solid var(--surface-2)}
.mobile-nav .mnav-label{padding:12px 0 2px;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:none}
.mobile-nav a:last-child{border-bottom:none}

/* Category nav (homepage): single scrollable row + dropdown panel */
.cat-nav{display:flex;align-items:center;gap:12px;background:var(--surface);border-bottom:1px solid var(--border);padding:10px 20px;position:sticky;top:64px;z-index:40}
.cat-pills{display:flex;flex-wrap:nowrap;gap:8px;flex:1;min-width:0;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.cat-pills::-webkit-scrollbar{display:none}
.cat-pill{border:1px solid var(--border);background:#fff;color:var(--text);font-family:inherit;font-weight:600;font-size:.85rem;padding:7px 13px;border-radius:999px;cursor:pointer;white-space:nowrap;flex:0 0 auto}
.cat-pill:hover{border-color:var(--primary);color:var(--primary-700)}
.cat-pill.active{background:var(--primary);border-color:var(--primary);color:#fff}
.cat-toggle{flex:0 0 auto;margin-left:auto;width:38px;height:38px;border-radius:50%;border:1px solid var(--border);background:#fff;color:var(--text);cursor:pointer;display:flex;align-items:center;justify-content:center;position:relative;z-index:2}
.cat-toggle:hover{border-color:var(--primary);color:var(--primary-700)}
.cat-toggle svg{width:20px;height:20px}
/* Dropdown panel anchored to the bottom edge of the nav bar */
.cat-dropdown{position:absolute;top:100%;left:0;right:0;z-index:1;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 14px 28px rgba(13,27,42,.14);border-radius:0 0 14px 14px;padding:14px 20px 16px;display:flex;flex-wrap:wrap;gap:8px;max-height:0;padding-top:0;padding-bottom:0;overflow:hidden;opacity:0;transform:translateY(-8px);transition:max-height .28s ease,opacity .2s ease,transform .28s ease,padding .28s ease;pointer-events:none}
.cat-nav.dropdown-open .cat-dropdown{max-height:70vh;overflow-y:auto;padding-top:14px;padding-bottom:16px;opacity:1;transform:translateY(0);pointer-events:auto}

/* Hero / intro */
.hero{background:linear-gradient(160deg,var(--primary-50),#ffffff);border-bottom:1px solid var(--border)}
.hero .container{padding:42px 20px 34px}
.hero h1{margin-bottom:.3em}
.hero p{font-size:1.08rem;color:var(--muted);max-width:680px}
.kicker{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary-700);background:var(--primary-50);padding:5px 10px;border-radius:999px;margin-bottom:14px}

/* Article grid */
.section-head{display:flex;align-items:baseline;justify-content:space-between;margin:34px 0 16px}
.section-head h2{margin:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);text-decoration:none}
.card img{width:100%;height:160px;object-fit:cover;border-radius:0}
.card-body{padding:14px 16px 18px;display:flex;flex-direction:column;flex:1}
.card-tag{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--primary-700);margin-bottom:8px}
.card h3{font-size:1.04rem;margin:0 0 8px;line-height:1.25;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.card p{font-size:.9rem;color:var(--muted);margin:0 0 12px}
.card .read{margin-top:auto;font-weight:700;color:var(--primary-700);font-size:.9rem}

/* Article detail */
.article-wrap{max-width:760px;margin:0 auto;padding:30px 20px 60px}
.article-meta{color:var(--muted);font-size:.85rem;margin-bottom:6px}
.article-wrap h1{font-size:clamp(1.5rem,3.2vw,2rem)}
.article-hero{width:100%;height:340px;object-fit:cover;margin:18px 0 24px;border-radius:var(--radius)}
.lead{font-size:1.12rem;color:var(--text)}
.article-wrap table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.92rem}
.article-wrap th,.article-wrap td{border:1px solid var(--border);padding:10px 12px;text-align:left}
.article-wrap th{background:var(--surface);color:var(--primary-700)}
.table-note{font-size:.8rem;color:var(--muted);margin-top:-.6em}
.related-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px;margin:28px 0}
.related-box h3{margin-top:0}
.related-box a{display:block;padding:6px 0;font-weight:600}
.disclaimer{font-size:.82rem;color:var(--muted);border-top:1px dashed var(--border);padding-top:14px;margin-top:24px}

/* Ad slots: minimal placeholder — no box, no background, no border, no fixed
   size. It only shows the word "Advertisement", centered. Real ad code injected
   into the slot hides the label (via .is-filled) and displays the ad instead. */
.ad-slot{display:flex;align-items:center;justify-content:center;text-align:center;margin:24px auto;padding:0;width:auto;min-height:0;background:transparent;border:none;border-radius:0;color:#9aacbd;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;line-height:1.3;position:static}
.ad-slot::after{content:"Advertisement"}
.ad-slot.is-filled{margin:18px auto}
.ad-slot.is-filled::after{content:""}
/* Anchor (bottom floating) ad slot background is transparent; slot stays minimal */
.ad-anchor-bar{position:fixed;left:0;right:0;bottom:0;background:transparent;padding:8px 0;display:flex;justify-content:center;z-index:55}
.ad-anchor-bar .ad-slot{margin:0;padding:4px 0;background:transparent;border:none;color:#9fb3c8}
.ad-anchor-bar .ad-slot::after{color:#9fb3c8}

/* Interstitial */
#interstitial{position:fixed;inset:0;background:rgba(8,15,25,.84);display:none;align-items:center;justify-content:center;z-index:200;padding:20px}
#interstitial.show{display:flex}
.inter-box{background:#fff;border-radius:16px;padding:18px;max-width:360px;width:100%;text-align:center;position:relative}
.inter-box .ad-slot{margin:0}
.inter-close{position:absolute;top:-14px;right:-14px;width:34px;height:34px;border-radius:50%;background:#fff;border:1px solid var(--border);cursor:pointer;font-size:18px;line-height:1;color:var(--text)}

/* Back to top / home floating buttons */
.fab{position:fixed;right:18px;width:48px;height:48px;border-radius:50%;background:var(--primary);color:#fff;border:none;cursor:pointer;display:none;align-items:center;justify-content:center;box-shadow:var(--shadow);z-index:60}
.fab svg{width:22px;height:22px}
.fab.show{display:flex}
#backToTop{bottom:190px}
#backHome{bottom:130px;background:var(--primary-700)}

/* Footer */
.site-footer{background:var(--footer-bg);color:var(--footer-text);padding:36px 0 90px;margin-top:40px}
.site-footer .container{display:block}
.footer-brand{margin-bottom:22px;max-width:560px}
.footer-cols{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.site-footer h4{color:#fff;font-family:"Outfit",sans-serif;margin:0 0 10px;font-size:1rem}
.site-footer a{color:var(--footer-text);display:block;padding:4px 0;font-size:.92rem}
.site-footer a:hover{color:#fff}
.footer-disclosure{font-size:.8rem;color:#8597a8;margin-top:18px;line-height:1.5;border-top:1px solid rgba(255,255,255,.08);padding-top:14px}
.footer-bottom{text-align:center;font-size:.8rem;color:#6f8295;margin-top:14px}

/* Search page */
.search-hero{padding:30px 0 10px}
.search-input{width:100%;padding:14px 16px;font-size:1.05rem;border:1px solid var(--border);border-radius:12px;font-family:inherit;margin:14px 0 22px}
.search-input:focus{outline:2px solid var(--primary);border-color:var(--primary)}
.search-results .card{margin-bottom:16px}
.no-results{color:var(--muted);padding:20px 0}

/* Responsive */
@media (max-width:900px){
  .grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:680px){
  .main-nav{display:none}
  .header-actions{margin-left:auto}
  .hamburger{display:flex}
  .search-btn{display:flex}
  .grid{grid-template-columns:1fr}
  .article-hero{height:220px}
  body{font-size:16px}
  /* Keep a comfortable side gutter so no content sits flush against the screen edge */
  .container{padding-left:20px;padding-right:20px}
  .article-wrap{padding-left:20px;padding-right:20px}
  .cat-nav{padding-left:20px;padding-right:20px}
  .mobile-nav{padding-left:20px;padding-right:20px}
  .header-inner{padding-left:20px;padding-right:20px}
  .site-footer .container{padding-left:20px;padding-right:20px}
  /* Comparison tables: scroll horizontally instead of overflowing the wall */
  .article-wrap table{display:block;width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .article-wrap th,.article-wrap td{white-space:nowrap}
}