/* Wall Street Explained | Article Page Stylesheet (Slate & Copper Premium) */
/* Shared site chrome. Imported here so every article page, including the
   guide articles that live only on the server, picks up the same
   masthead, utility bar and footer as the homepage. */
@import url("/css/chrome.css?v=9");
:root {
  --bg: #f6ede4; --surface: #fbf6f0; --surface-2: #efe3d6; --border: #d9c9b8; --border-dark: #bfa994;
  --text: #1a1e26; --text-dim: #3d3a36; --text-muted: #6b645d;
  --copper: #9a5630; --copper-light: #d4916a; --copper-dark: #8c4f2f; --copper-deep: #6f3d22;
  --copper-glow: transparent; --copper-bg: rgba(192,115,74,0.06);
  --copper-gradient: linear-gradient(#93522d,#93522d);
  --copper-gradient-h: linear-gradient(#93522d,#93522d);
  --copper-shine: none;
  --shadow-sm: 0 1px 3px rgba(26,30,38,0.06), 0 1px 2px rgba(26,30,38,0.04);
  --shadow-md: 0 4px 12px rgba(26,30,38,0.08), 0 2px 4px rgba(26,30,38,0.04);
  --shadow-lg: 0 12px 40px rgba(26,30,38,0.12), 0 4px 12px rgba(26,30,38,0.06);
  --shadow-copper: none;
  --shadow-copper-lg: none;
}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--text);font-family:'Inter',-apple-system,sans-serif;font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:inherit;text-decoration:none}
body::before{content:'';position:fixed;inset:0;background:radial-gradient(ellipse at 20% 0%,rgba(192,115,74,0.03) 0%,transparent 50%),radial-gradient(ellipse at 80% 100%,rgba(192,115,74,0.02) 0%,transparent 50%);pointer-events:none;z-index:-1}
.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.16,1,.3,1),transform .8s cubic-bezier(.16,1,.3,1);animation:revealFallback 0s 1.5s forwards}.reveal.visible{opacity:1;transform:translateY(0);animation:none}.reveal-delay-1{transition-delay:.1s}.reveal-delay-2{transition-delay:.2s}.reveal-delay-3{transition-delay:.3s}@keyframes revealFallback{to{opacity:1;transform:translateY(0)}}
.cta-bar{background:var(--copper-gradient);text-align:center;padding:11px 40px;position:relative;box-shadow:0 2px 12px rgba(192,115,74,0.2);overflow:hidden}.cta-bar::before{content:'';position:absolute;inset:0;background:var(--copper-shine);pointer-events:none}.cta-bar a{color:#fff;font-size:13px;font-weight:700;letter-spacing:.06em;text-shadow:0 1px 2px rgba(0,0,0,.15);position:relative}.cta-bar a span{text-decoration:underline;text-underline-offset:3px}.cta-bar-close{position:absolute;right:16px;top:50%;transform:translateY(-50%);background:rgba(255,255,255,.15);border:none;color:rgba(255,255,255,.8);font-size:16px;cursor:pointer;padding:2px 7px;line-height:1;border-radius:4px;transition:all .2s;backdrop-filter:blur(4px)}.cta-bar-close:hover{background:rgba(255,255,255,.25);color:#fff}
.top-bar{background:#1a1e26;color:#bfb5aa;padding:8px 40px;display:flex;justify-content:space-between;align-items:center;font-size:11px;letter-spacing:.04em}.top-bar-date{color:#6b645d}.top-bar-links{display:flex;gap:20px}.top-bar-links a{color:#bfb5aa;transition:all .25s;position:relative}.top-bar-links a::after{content:'';position:absolute;bottom:-2px;left:0;width:0;height:1px;background:var(--copper-light);transition:width .3s ease}.top-bar-links a:hover{color:var(--copper-light)}.top-bar-links a:hover::after{width:100%}
.nav{background:var(--surface);border-bottom:3px solid transparent;border-image:var(--copper-gradient) 1;padding:0 40px;box-shadow:var(--shadow-md);position:relative;z-index:50}.nav-inner{max-width:1200px;margin:0 auto;text-align:center;padding:32px 0 0}.nav-brand{font-family:'Playfair Display',serif;font-size:44px;font-weight:900;letter-spacing:-.02em;color:var(--text);display:block;margin-bottom:6px;transition:all .3s}.nav-brand:hover{background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.nav-subtitle{font-size:12px;letter-spacing:.25em;text-transform:uppercase;color:var(--text-muted);margin-bottom:22px;position:relative;display:inline-block}.nav-subtitle::before,.nav-subtitle::after{content:'';position:absolute;top:50%;width:40px;height:1px;background:var(--border)}.nav-subtitle::before{right:calc(100% + 14px)}.nav-subtitle::after{left:calc(100% + 14px)}.nav-links{display:flex;justify-content:center;gap:0;list-style:none;border-top:1px solid var(--border)}.nav-links li{border-right:1px solid var(--border);position:relative}.nav-links li:first-child{border-left:1px solid var(--border)}.nav-links a{display:block;padding:14px 30px;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--text-dim);transition:all .3s;position:relative}.nav-links a::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);width:0;height:2px;background:var(--copper-gradient);transition:width .3s ease}.nav-links a:hover{color:var(--copper);background:var(--copper-bg)}.nav-links a:hover::after{width:60%}
.article-header{max-width:820px;margin:0 auto;padding:60px 40px 0}.article-breadcrumb{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--text-muted);margin-bottom:28px}.article-breadcrumb a{transition:color .2s}.article-breadcrumb a:hover{color:var(--copper)}.article-breadcrumb .sep{color:var(--border-dark)}.article-tags{display:flex;gap:8px;margin-bottom:20px}.article-tag-pill{display:inline-flex;align-items:center;padding:5px 14px;background:var(--copper-gradient);color:#fff;font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;border-radius:3px;box-shadow:var(--shadow-copper);position:relative;overflow:hidden}.article-tag-pill::after{content:'';position:absolute;inset:0;background:var(--copper-shine);pointer-events:none}.article-header h1{font-family:'Playfair Display',serif;font-size:48px;font-weight:800;line-height:1.15;letter-spacing:-.02em;margin-bottom:24px}.article-header-meta{display:flex;align-items:center;gap:20px;padding-bottom:32px;border-bottom:1px solid var(--border);margin-bottom:0}.author-block{display:flex;align-items:center;gap:12px}.author-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(145deg,var(--surface-2),var(--border));display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:800;font-size:16px;color:var(--copper);border:2px solid var(--copper-light)}.author-info{display:flex;flex-direction:column}.author-name{font-weight:700;font-size:14px;background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;display:flex;align-items:center;gap:8px}.author-name a{display:inline-flex;align-items:center;padding:2px 8px;background:var(--surface-2);border:1px solid var(--border);border-radius:3px;font-size:10px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;-webkit-text-fill-color:var(--text-dim);transition:all .2s}.author-name a:hover{border-color:var(--copper);-webkit-text-fill-color:var(--copper);background:var(--copper-bg)}.author-title{font-size:12px;color:var(--text-muted)}.meta-sep{width:1px;height:30px;background:var(--border)}.meta-item{font-size:13px;color:var(--text-muted)}.meta-item strong{color:var(--text-dim);font-weight:600}
.article-hero-img{max-width:1000px;margin:0 auto;padding:40px 40px 0}.article-hero-img-inner{width:100%;aspect-ratio:16/9;height:auto;background:linear-gradient(145deg,#efe3d6,#d9c9b8);border:1px solid var(--border);border-radius:6px;display:flex;align-items:center;justify-content:center;color:var(--text-muted);font-size:13px;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}.article-hero-img-inner::before{content:none;display:none}.article-hero-img-inner img{width:100%;height:100%;object-fit:cover}.article-img-caption{display:none}
.article-body{max-width:720px;margin:0 auto;padding:48px 40px 60px}.article-body h2{font-family:'Playfair Display',serif;font-size:28px;font-weight:800;line-height:1.25;margin:48px 0 20px;letter-spacing:-.01em}.article-body h3{font-family:'Playfair Display',serif;font-size:22px;font-weight:700;margin:36px 0 16px}.article-body p{font-size:17px;line-height:1.85;color:var(--text-dim);margin-bottom:24px}.article-body p:first-child{font-size:19px;line-height:1.75;color:var(--text)}.article-body p:first-child::first-letter{font-family:'Playfair Display',serif;font-size:64px;font-weight:800;float:left;line-height:.8;margin:6px 12px 0 0;background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.article-body strong{color:var(--text);font-weight:600}.article-body a{color:var(--copper);text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(192,115,74,.3);transition:text-decoration-color .2s}.article-body a:hover{text-decoration-color:var(--copper)}
.article-body blockquote{margin:36px 0;padding:28px 32px;border-left:4px solid transparent;border-image:var(--copper-gradient) 1;background:var(--surface);box-shadow:var(--shadow-sm);border-radius:0 6px 6px 0}.article-body blockquote p{font-size:18px;font-style:italic;color:var(--text);margin-bottom:0;line-height:1.7}
.data-callout{margin:36px 0;padding:28px 32px;background:var(--surface);border:1px solid var(--border);border-radius:6px;box-shadow:var(--shadow-sm)}.data-callout-label{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px;background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.data-callout-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.data-point-value{font-family:'Playfair Display',serif;font-size:28px;font-weight:800;color:var(--text)}.data-point-desc{font-size:12px;color:var(--text-muted);margin-top:4px}
.inline-cta{margin:48px 0;padding:36px 40px;background:#1a1e26;border-radius:8px;text-align:center;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}.inline-cta::before{content:none;display:none}.inline-cta::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(192,115,74,.08),transparent 70%);pointer-events:none}.inline-cta h3{font-family:'Playfair Display',serif;font-size:22px;font-weight:800;color:#f3ebe2;margin-bottom:10px;position:relative;z-index:1}.inline-cta p{font-size:14px!important;color:#bfb5aa!important;margin-bottom:24px!important;position:relative;z-index:1}
.btn-copper,.inline-cta .btn-copper,.bottom-cta .btn-copper,.cta-section .btn-copper,.cta-banner .btn-copper{display:inline-flex!important;align-items:center!important;gap:10px!important;padding:14px 32px!important;background:#1a1e26!important;color:#ffffff!important;font-size:12px!important;font-weight:700!important;letter-spacing:.08em!important;text-transform:uppercase!important;border:2px solid var(--copper-light)!important;border-radius:4px!important;cursor:pointer!important;box-shadow:var(--shadow-copper)!important;transition:all .3s!important;text-decoration:none!important;position:relative!important;z-index:5!important;overflow:visible!important}.btn-copper:hover{background:var(--copper)!important;color:#fff!important;border-color:var(--copper)!important;transform:translateY(-2px)!important;box-shadow:var(--shadow-copper-lg)!important}.btn-copper::before,.btn-copper::after{display:none!important;content:none!important}
.article-footer{max-width:720px;margin:0 auto;padding:0 40px 48px}.article-share{display:flex;align-items:center;gap:16px;padding:24px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.share-label{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--text-muted)}.share-btn{padding:8px 18px;border:1px solid var(--border);border-radius:4px;font-size:12px;font-weight:600;color:var(--text-dim);transition:all .2s}.share-btn:hover{border-color:var(--copper);color:var(--copper);background:var(--copper-bg)}
.author-bio{margin-top:40px;padding:32px;background:var(--surface);border:1px solid var(--border);border-radius:8px;box-shadow:var(--shadow-sm);display:flex;gap:24px;align-items:center}.author-bio-avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(145deg,var(--surface-2),var(--border));display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:800;font-size:24px;color:var(--copper);border:3px solid var(--copper-light);flex-shrink:0}img.author-bio-avatar{object-fit:cover;object-position:center 25%;background:none;padding:0}.author-bio-text h4{font-size:16px;font-weight:700;margin-bottom:4px}.author-bio-text .title{font-size:12px;background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;font-weight:600;margin-bottom:8px}.author-bio-text p{font-size:14px;color:var(--text-dim);line-height:1.6}
.related{max-width:1200px;margin:0 auto;padding:0 40px 80px}.related-label{font-family:'Playfair Display',serif;font-size:22px;font-weight:800;margin-bottom:28px;padding-bottom:16px;border-bottom:3px solid transparent;border-image:linear-gradient(to right,var(--copper),var(--copper-light),transparent) 1}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.related-card{padding:28px;background:var(--surface);border:1px solid var(--border);border-radius:6px;box-shadow:var(--shadow-sm);transition:all .4s cubic-bezier(.16,1,.3,1);position:relative}.related-card::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--copper-gradient);transition:width .5s cubic-bezier(.16,1,.3,1);border-radius:0 0 6px 6px}.related-card:hover::after{width:100%}.related-card:hover{border-color:var(--copper-light);box-shadow:var(--shadow-md);transform:translateY(-2px)}.related-card-tag{font-size:10px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px;background:var(--copper-gradient);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.related-card h3{font-family:'Playfair Display',serif;font-size:18px;font-weight:700;line-height:1.3;margin-bottom:8px;transition:color .2s}.related-card:hover h3{color:var(--copper)}.related-card .meta{font-size:11px;color:var(--text-muted)}
.bottom-cta{background:#1a1e26;position:relative;overflow:hidden}.bottom-cta::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(192,115,74,.06),transparent 60%);pointer-events:none}.bottom-cta::after{content:none;display:none}.bottom-cta-inner{max-width:700px;margin:0 auto;padding:70px 40px;text-align:center;position:relative}.bottom-cta h2{font-family:'Playfair Display',serif;font-size:32px;font-weight:800;color:#f3ebe2;margin-bottom:14px}.bottom-cta p{font-size:16px;color:#bfb5aa;margin-bottom:32px;line-height:1.6}
.footer{border-top:3px solid transparent;border-image:var(--copper-gradient) 1;padding:34px 40px;background:var(--surface)}.footer-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center}.footer-copy{font-size:12px;color:var(--text-muted)}.footer-links{display:flex;gap:24px;list-style:none}.footer-links a{font-size:12px;color:var(--text-dim);transition:all .25s;position:relative}.footer-links a::after{content:'';position:absolute;bottom:-2px;left:0;width:0;height:1px;background:var(--copper);transition:width .3s}.footer-links a:hover{color:var(--copper)}.footer-links a:hover::after{width:100%}
.floating-cta{position:fixed;bottom:28px;right:28px;z-index:999;padding:15px 30px;background:var(--copper-gradient);color:#fff;font-size:13px;font-weight:700;letter-spacing:.04em;box-shadow:var(--shadow-copper-lg);transition:all .3s cubic-bezier(.16,1,.3,1);display:flex;align-items:center;gap:8px;border:none;border-radius:4px;overflow:hidden;text-shadow:0 1px 2px rgba(0,0,0,.15);animation:floatPulse 3s ease-in-out infinite}.floating-cta::before{content:'';position:absolute;inset:0;background:var(--copper-shine);pointer-events:none}@keyframes floatPulse{0%,100%{box-shadow:var(--shadow-copper-lg)}50%{box-shadow:0 8px 40px rgba(192,115,74,.4),0 4px 16px rgba(192,115,74,.25)}}.floating-cta:hover{transform:translateY(-3px) scale(1.03);box-shadow:0 12px 48px rgba(192,115,74,.45);animation:none}.floating-cta .arrow{transition:transform .3s}.floating-cta:hover .arrow{transform:translateX(4px)}
.reading-progress{position:fixed;top:0;left:0;width:0;height:3px;background:var(--copper-gradient);z-index:9999;transition:width .1s linear}
@media(max-width:900px){.article-header{padding:40px 20px 0}.article-header h1{font-size:30px}.article-hero-img{padding:28px 20px 0}.article-hero-img-inner{height:auto}.article-body{padding:32px 20px 40px}.article-body h2{font-size:24px}.article-body p{font-size:16px}.article-body p:first-child{font-size:17px}.article-body p:first-child::first-letter{font-size:48px}.data-callout-grid{grid-template-columns:1fr;gap:12px}.article-header-meta{flex-wrap:wrap;gap:12px}.meta-sep{display:none}.author-bio{flex-direction:column;text-align:center}.related-grid{grid-template-columns:1fr}.related{padding:0 20px 50px}.article-footer{padding:0 20px 36px}.article-share{flex-wrap:wrap}.nav-links{display:none}.nav-brand{font-size:32px}.nav-subtitle::before,.nav-subtitle::after{display:none}.nav{padding:0 20px}.top-bar{padding:8px 20px}.bottom-cta-inner{padding:50px 20px}.footer-inner{flex-direction:column;gap:16px}.floating-cta{bottom:16px;right:16px;padding:12px 20px;font-size:12px}.cta-bar{padding:10px 20px}.cta-bar a{font-size:12px}.inline-cta{padding:28px 24px;margin:36px 0}}.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px;position:absolute;right:20px;top:28px;z-index:60}.hamburger span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;transition:all .3s}.hamburger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.hamburger.active span:nth-child(2){opacity:0}.hamburger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}@media(max-width:900px){.hamburger{display:block}.nav-inner{position:relative}.nav-links{display:none\!important;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--surface);border:1px solid var(--border);box-shadow:0 8px 24px rgba(0,0,0,.1);z-index:55}.nav-links.open{display:flex\!important}.nav-links li{border-right:none;border-bottom:1px solid var(--border)}.nav-links li:first-child{border-left:none}}
.disclaimer{max-width:720px;margin:0 auto;padding:0 40px 40px}.disclaimer-inner{padding:20px 24px;background:var(--surface-2);border-radius:6px;border:1px solid var(--border, rgba(26,30,38,.14));box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}.disclaimer-inner p{font-size:11px;color:var(--text-muted);line-height:1.6;margin:0}

.faq{margin:48px 0 8px;padding-top:32px;border-top:1px solid var(--border)}.faq h2{font-family:'Playfair Display',serif;font-size:26px;font-weight:800;margin-bottom:22px;color:var(--text)}.faq-item{padding:18px 0;border-bottom:1px solid var(--border)}.faq-item:last-child{border-bottom:none}.faq-q{font-family:'Inter',sans-serif;font-size:16px!important;font-weight:700;color:var(--text);margin:0 0 8px;line-height:1.4}.faq-a{font-size:15px!important;color:var(--text-dim);line-height:1.7;margin:0!important}@media(max-width:900px){.faq{margin:36px 0 8px;padding-top:24px}.faq h2{font-size:22px}.faq-q{font-size:15px!important}.faq-a{font-size:14px!important}}

.answer-box{margin:0 0 32px;padding:24px 28px;background:var(--surface-2);border-radius:10px;border:1px solid var(--border, rgba(26,30,38,.14));box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}.answer-label{font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper);margin-bottom:10px}.answer-box p{font-size:17px!important;line-height:1.7;color:var(--text)!important;margin:0!important}
.crumbs{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text-muted);margin-bottom:18px;letter-spacing:.04em}.crumbs a{color:var(--text-dim)}.crumbs a:hover{color:var(--copper)}.crumbs span{margin:0 8px;opacity:.5}
.takeaways{margin:44px 0 8px;padding-top:30px;border-top:1px solid var(--border)}.takeaways h2{font-family:'Playfair Display',serif;font-size:24px;font-weight:800;margin-bottom:18px}.takeaways ul{list-style:none;padding:0}.takeaways li{position:relative;padding-left:26px;margin-bottom:13px;font-size:15px;line-height:1.65;color:var(--text-dim)}.takeaways li::before{content:'';position:absolute;left:0;top:9px;width:8px;height:8px;background:var(--copper);border-radius:1px}
.table-wrap{overflow-x:auto;margin:26px 0;border:1px solid var(--border);border-radius:4px}.table-wrap table{border-collapse:collapse;width:100%;font-size:13px;font-family:'Inter',sans-serif}.table-wrap th,.table-wrap td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap th{background:var(--surface-2);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-muted);font-weight:700}.table-wrap tr:last-child td{border-bottom:none}
.hub-part{margin:44px 0}.hub-part h2{font-family:'Playfair Display',serif;font-size:26px;font-weight:800;margin-bottom:8px}.hub-blurb{font-size:15px!important;color:var(--text-muted)!important;margin-bottom:20px!important}.hub-list{list-style:none;padding:0;display:grid;gap:12px}.hub-list a{display:block;padding:16px 20px;background:var(--surface-2);border:1px solid var(--border);border-radius:10px;text-decoration:none;transition:all .25s;border:1px solid var(--border, rgba(26,30,38,.14));box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}.hub-list a:hover{transform:translateX(3px);border-color:var(--copper-light);border-color:var(--copper, #c0734a);transform:translateY(-1px);box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 18px 34px -16px rgba(20,24,30,.5),0 3px 8px -3px rgba(20,24,30,.2)}.hub-list .q{display:block;font-size:15px;font-weight:600;color:var(--text);line-height:1.45;margin-bottom:4px}.hub-list .t{display:block;font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text-muted)}
@media(max-width:900px){.answer-box{padding:18px 20px}.answer-box p{font-size:16px!important}.table-wrap table{font-size:12px}.hub-part h2{font-size:22px}}

.related-reading{margin:48px 0 8px;padding-top:32px;border-top:1px solid var(--border)}.related-reading h2{font-family:'Playfair Display',serif;font-size:24px;font-weight:800;margin-bottom:20px;color:var(--text)}.rl-list{list-style:none;padding:0;display:grid;gap:10px}.rl-list a{display:block;padding:14px 18px;background:var(--surface-2);border:1px solid var(--border);border-radius:10px;text-decoration:none;transition:all .25s;border:1px solid var(--border, rgba(26,30,38,.14));box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}.rl-list a:hover{transform:translateX(3px);border-color:var(--copper, #c0734a);transform:translateY(-1px);box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 18px 34px -16px rgba(20,24,30,.5),0 3px 8px -3px rgba(20,24,30,.2)}.rl-kind{display:block;font-family:'JetBrains Mono',monospace;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--copper);margin-bottom:5px}.rl-title{display:block;font-size:15px;font-weight:600;color:var(--text);line-height:1.45}@media(max-width:900px){.related-reading{margin:36px 0 8px;padding-top:24px}.related-reading h2{font-size:21px}.rl-title{font-size:14px}}


/* ---------------------------------------------------------------
   Hub call to action. Used on /underwriting/ to send a reader from
   the explainers into the calculator that shares their pricing
   library. Scoped names, so nothing else on an article page moves.
   --------------------------------------------------------------- */
.hub-tool {
  border: 1px solid var(--border, #d9c9b8);
  background: rgba(192,115,74, 0.05);
  border-radius: 12px;
  padding: 22px 24px;
  margin-top: 8px;
}
.hub-tool h2 { margin-top: 0; }
.hub-tool a.hub-cta, a.hub-cta {
  display: inline-block;
  min-height: 44px;
  padding: 13px 26px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 14px;
  color: #fff;
  text-decoration: none;
  background: linear-gradient(135deg, #d4916a 0%, #9a5630 40%, #8c4f2f 100%);
  transition: transform .15s ease, box-shadow .15s ease;
}
.hub-tool a.hub-cta:hover, a.hub-cta:hover {
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(26,30,38, 0.12);
}
.hub-tool a.hub-cta:active, a.hub-cta:active { transform: scale(0.98); }

/* ---------------------------------------------------------------
   BROADSHEET LAYER
   A financial daily does not use gradients on type. Everything the
   template paints with --copper-gradient is set flat here: kickers,
   drop caps, rules and bylines. Square corners throughout.
   --------------------------------------------------------------- */
:root{--copper:#93522d;--copper-light:#c0734a;--ink:#1a1e26;--paper:#f6ede4}
.article-header{max-width:820px;padding-top:44px}
.article-breadcrumb{font-family:'JetBrains Mono',monospace;font-size:11px;letter-spacing:.02em;margin-bottom:22px}
.article-tag-pill{background:none;color:var(--copper);box-shadow:none;border-radius:0;padding:0;font-family:'Inter',sans-serif;font-size:12px;font-weight:700;letter-spacing:.02em;text-transform:none}
.article-tag-pill::after{content:none}
.article-tags{gap:0;flex-wrap:wrap}
.article-tag-pill+.article-tag-pill::before{content:'\B7';margin:0 .5rem;color:var(--border-dark)}
.article-header h1{font-weight:700;font-size:clamp(2rem,4.6vw,3.1rem);line-height:1.08;letter-spacing:-.015em;text-wrap:balance}
.article-header-meta{border-bottom:1px solid var(--ink);padding-bottom:22px;/* design-lint: divider */}
.author-avatar{border:0;background:var(--ink);color:var(--paper);border-radius:50%}
.author-name{background:none;-webkit-text-fill-color:currentColor;color:var(--ink)}
.meta-item{font-family:'JetBrains Mono',monospace;font-size:12px}
.article-hero-img{padding-top:28px}
.article-hero-img-inner{border-radius:0;box-shadow:none;border:0}
.article-hero-img-inner::before{content:none}
.img-credit{font-family:'JetBrains Mono',monospace}
.article-body p:first-child::first-letter{background:none;-webkit-text-fill-color:var(--copper);color:var(--copper)}
.article-body blockquote{border-image:none;background:none;box-shadow:none;border-radius:10px;border:1px solid var(--border, rgba(26,30,38,.14));box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}
.article-body blockquote p{font-family:'Playfair Display',serif;font-size:22px;line-height:1.45}
.data-callout,.author-bio,.related-card,.table-wrap,.disclaimer-inner,.answer-box,.hub-list a,.rl-list a,.share-btn{border-radius:0;box-shadow:none}
.data-callout{border:1px solid var(--border, rgba(26,30,38,.14));border-radius:10px;box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}
.data-callout-label,.related-card-tag,.author-bio-text .title{background:none;-webkit-text-fill-color:currentColor;color:var(--copper)}
.inline-cta,.bottom-cta{border-radius:0;box-shadow:none}
.inline-cta::before,.bottom-cta::after{background:var(--copper-light)}
.btn-copper,.inline-cta .btn-copper,.bottom-cta .btn-copper,.cta-section .btn-copper,.cta-banner .btn-copper{border-radius:0!important;box-shadow:none!important;border-color:var(--copper-light)!important}
.btn-copper:hover{transform:none!important;box-shadow:none!important}
.related-label{border-image:none;border-bottom:0;border-top:3px solid var(--ink);padding:12px 0 0;/* design-lint: divider */}
.related-grid{gap:0 32px}
.related-card{background:none;border:0;border-bottom:1px solid var(--border);padding:16px 0 18px}
.related-card::after{content:none}
.related-card:hover{transform:none;box-shadow:none}
.related-card h3{font-size:20px}
.author-bio{background:var(--surface-2);border:0;border:1px solid var(--border, rgba(26,30,38,.14));border-radius:10px;box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}
.author-bio-avatar{border:0}
.hub-list a,.rl-list a{background:none;border:0;border-bottom:1px solid var(--border);border-left:0;padding:14px 0}
.hub-list a:hover,.rl-list a:hover{transform:none}
.hub-list a:hover .q,.rl-list a:hover .rl-title{color:var(--copper)}
.answer-box{background:var(--surface-2);border:1px solid var(--border, rgba(26,30,38,.14));border-radius:10px;box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 12px 28px -16px rgba(20,24,30,.42),0 2px 6px -3px rgba(20,24,30,.16)}
.reading-progress{background:var(--copper-light)}
.takeaways li::before{background:var(--copper-light);border-radius:0}


.author-bio-avatar{display:block}
img.author-bio-avatar{width:72px;height:72px}

@media (max-width:640px){.nav .nav-brand{font-size:1.6rem !important}}