:root {
  --jr-bg: #0b0f0d;
  --jr-ink: #111513;
  --jr-paper: #f7f1e6;
  --jr-cream: #fffaf0;
  --jr-muted: #746c61;
  --jr-line: rgba(17, 21, 19, .14);
  --jr-gold: #b28a55;
  --jr-red: #a51f2b;
  --jr-serif: Georgia, "Times New Roman", serif;
  --jr-sans: Inter, "Helvetica Neue", Arial, sans-serif;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { background: #f5f2ed; scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--jr-ink);
  background:
    radial-gradient(rgba(35, 29, 22, .08) .45px, transparent .6px),
    linear-gradient(180deg, #f5f2ed 0, #f5f2ed 100%);
  background-size: 4px 4px, auto;
  font-family: var(--jr-sans);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: inherit; }
.site-shell { width: min(100%, 1320px); max-width: 100vw; margin: 0 auto; padding: 0 56px 96px; overflow-x: hidden; }
.jr-header {
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  color: var(--jr-ink);
  border-bottom: 1px solid rgba(25, 25, 25, .12);
}
.brand { display: inline-flex; align-items: baseline; gap: 10px; text-decoration: none; }
.brand-mark { color: var(--jr-gold); font-family: var(--jr-serif); font-size: 1.55rem; }
.brand-name { font-family: var(--jr-serif); font-size: 1.05rem; }
.header-link { color: rgba(17, 21, 19, .62); font-size: .68rem; font-weight: 700; letter-spacing: .14em; text-decoration: none; text-transform: uppercase; }
.breadcrumb {
  margin-top: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  color: rgba(17, 21, 19, .52);
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.breadcrumb a { color: rgba(17, 21, 19, .72); text-decoration: none; }
.breadcrumb span { color: var(--jr-gold); }

.hero {
  padding: clamp(58px, 9vw, 118px) 0 clamp(36px, 6vw, 72px);
  color: var(--jr-ink);
}
.eyebrow {
  display: none;
}
h1, h2, h3 { font-family: var(--jr-serif); font-weight: 500; }
h1 { max-width: min(880px, calc(100vw - 36px)); margin: 0 0 22px; font-size: clamp(2.35rem, 7vw, 7.2rem); line-height: .94; letter-spacing: -.045em; overflow-wrap: anywhere; word-break: break-word; hyphens: auto; }
h2 { margin: 42px 0 14px; font-size: clamp(1.9rem, 5vw, 2.8rem); line-height: 1.02; letter-spacing: -.035em; }
h3 { margin: 26px 0 10px; font-size: 1.35rem; line-height: 1.18; }
.lead {
  max-width: 720px;
  margin: 0;
  color: rgba(17, 21, 19, .68);
  font-size: clamp(1rem, 2.5vw, 1.2rem);
  line-height: 1.75;
}
.meta-row { display: none; }
.pill {
  padding: 8px 11px;
  border: 1px solid rgba(255, 250, 240, .14);
  color: rgba(255, 250, 240, .68);
  font-size: .64rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.content-card {
  max-width: 100%;
  padding: clamp(26px, 5vw, 56px);
  background: rgba(255, 250, 240, .74);
  border: 1px solid rgba(25, 25, 25, .12);
  box-shadow: none;
  overflow: hidden;
}
.article-body {
  max-width: 760px;
  margin: 0 auto;
  color: #252822;
  font-size: 1.02rem;
  line-height: 1.86;
  overflow-wrap: break-word;
}
.article-body p { margin: 0 0 20px; }
.article-body p, .article-body li { max-width: 100%; overflow-wrap: anywhere; word-break: break-word; }
.article-body strong { color: var(--jr-ink); }
.article-body a { color: var(--jr-red); text-decoration-thickness: 1px; text-underline-offset: 3px; }
.article-body ul, .article-body ol { padding-left: 1.2rem; }
.article-body li { margin-bottom: 10px; }
.note-box, .faq-box, .also-box {
  max-width: 100%;
  margin: 34px 0;
  padding: 22px;
  background: rgba(178, 138, 85, .08);
  border: 1px solid var(--jr-line);
  overflow-wrap: anywhere;
}
.note-box p, .faq-box p, .also-box p { margin-bottom: 10px; }

.hub-grid {
  min-width: 0;
  max-width: 100%;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 28px;
}
.hub-card {
  min-width: 0;
  max-width: 100%;
  min-height: 270px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  color: var(--jr-cream);
  text-decoration: none;
  background:
    radial-gradient(circle at 82% 12%, rgba(178, 138, 85, .2), transparent 34%),
    linear-gradient(145deg, rgba(255, 255, 255, .08), rgba(255, 255, 255, .025)),
    #111514;
  border: 1px solid rgba(25, 25, 25, .3);
  box-shadow: 0 24px 60px rgba(35, 29, 22, .14);
  transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease;
}
.hub-card:hover { transform: translateY(-3px); border-color: rgba(178, 138, 85, .76); box-shadow: 0 24px 58px rgba(9, 12, 10, .24); }
.hub-card em { display: none; }
.hub-card strong { margin-top: 14px; color: #fffaf0; font-family: var(--jr-serif); font-size: 1.75rem; font-weight: 500; line-height: 1.05; overflow-wrap: anywhere; word-break: normal; }
.hub-card span { margin-top: 12px; color: rgba(255, 250, 240, .82); font-size: .86rem; line-height: 1.55; overflow-wrap: anywhere; }

.finance-section {
  margin-top: clamp(44px, 7vw, 76px);
  scroll-margin-top: 24px;
}

.section-heading {
  margin-bottom: 22px;
}

.section-heading > span {
  display: inline-flex;
  margin-bottom: 10px;
  color: var(--jr-gold);
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
}

.section-heading h2 {
  margin-top: 0;
  margin-bottom: 12px;
}

.section-heading p {
  max-width: 680px;
  color: rgba(17, 21, 19, .66);
}

.finance-news-grid {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

.finance-news-grid .hub-card:nth-child(1),
.finance-news-grid .hub-card:nth-child(2) {
  grid-column: span 3;
}

.finance-news-grid .hub-card:nth-child(n+3) {
  grid-column: span 2;
}

.finance-card {
  min-height: 240px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}

.finance-card::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background-image: var(--card-image);
  background-size: cover;
  background-position: center;
  opacity: .72;
  transform: scale(1.02);
  transition: transform .22s ease, opacity .22s ease;
}

.finance-card::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    linear-gradient(180deg, rgba(11, 15, 13, .12) 0%, rgba(11, 15, 13, .48) 44%, rgba(11, 15, 13, .88) 100%),
    radial-gradient(circle at 84% 16%, rgba(178, 138, 85, .24), transparent 38%);
}

.finance-card:hover::before {
  opacity: .84;
  transform: scale(1.06);
}

.finance-card > * {
  position: relative;
  z-index: 1;
}

.finance-card em {
  display: inline-flex;
  align-self: flex-start;
  margin-bottom: auto;
  color: rgba(255, 250, 240, .58);
  font-size: .64rem;
  font-style: normal;
  font-weight: 800;
  letter-spacing: .15em;
  text-transform: uppercase;
}

.finance-card.is-news {
  background:
    linear-gradient(180deg, rgba(17, 21, 19, .08), rgba(17, 21, 19, .78)),
    radial-gradient(circle at 88% 12%, rgba(165, 31, 43, .28), transparent 30%),
    #111514;
}

.finance-card.is-news::after {
  background:
    linear-gradient(180deg, rgba(11, 15, 13, .08) 0%, rgba(11, 15, 13, .42) 42%, rgba(11, 15, 13, .9) 100%),
    radial-gradient(circle at 88% 14%, rgba(165, 31, 43, .26), transparent 34%);
}

.finance-card-link {
  color: inherit;
  text-decoration: none;
}

.finance-card .finance-card-link {
  color: #fffaf0;
}

.finance-card-link:focus-visible {
  outline: 2px solid rgba(178, 138, 85, .9);
  outline-offset: 4px;
}

.inline-tip {
  color: #fffaf0;
  text-decoration: underline;
  text-decoration-color: rgba(178, 138, 85, .78);
  text-decoration-thickness: 1px;
  text-underline-offset: 4px;
  cursor: pointer;
}

.finance-card .inline-tip {
  color: #fffaf0;
}

.inline-tip:focus-visible {
  outline: 2px solid rgba(178, 138, 85, .9);
  outline-offset: 3px;
}

.finance-impact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.finance-note {
  min-width: 0;
  padding: 22px;
  background: rgba(17, 21, 19, .04);
  border: 1px solid var(--jr-line);
}

.finance-note strong {
  display: block;
  margin-bottom: 8px;
  font-family: var(--jr-serif);
  font-size: 1.28rem;
  font-weight: 500;
}

.finance-note p {
  margin: 0;
  color: rgba(17, 21, 19, .68);
  font-size: .94rem;
  line-height: 1.65;
}

.finance-glossary {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.finance-glossary a {
  min-width: 0;
  padding: 16px;
  color: var(--jr-ink);
  background: rgba(255, 250, 240, .52);
  border: 1px solid var(--jr-line);
  text-decoration: none;
  font-family: var(--jr-serif);
  font-size: 1.18rem;
  line-height: 1.25;
}

.finance-glossary span {
  display: block;
  margin-top: 6px;
  color: rgba(17, 21, 19, .58);
  font-family: var(--jr-sans);
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.finance-footer-nav .read-next {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.read-next {
  display: grid;
  gap: 12px;
  margin-top: 18px;
}
.read-next a {
  padding: 16px 18px;
  display: block;
  color: var(--jr-ink);
  background: rgba(17, 21, 19, .04);
  border: 1px solid var(--jr-line);
  text-decoration: none;
}
.back-link {
  display: inline-flex;
  margin-top: 28px;
  color: var(--jr-red);
  font-weight: 800;
  letter-spacing: .08em;
  text-decoration: none;
  text-transform: uppercase;
}

@media (max-width: 720px) {
  .site-shell { padding: 0 18px 72px; }
  .jr-header { min-height: 68px; }
  .brand-name { font-size: .95rem; }
  .header-link { font-size: .6rem; }
  .hero { padding: 48px 0 32px; }
  h1 { font-size: clamp(2rem, 9vw, 2.7rem); line-height: 1.02; letter-spacing: -.035em; }
  h2 { font-size: clamp(1.8rem, 9vw, 2.55rem); }
  .lead { font-size: 1rem; line-height: 1.7; }
  .content-card { padding: 24px 18px; }
  .article-body { font-size: .98rem; line-height: 1.78; }
  .hub-grid { grid-template-columns: 1fr; }
  .hub-card { min-height: 210px; }
  .hub-card strong { font-size: 1.55rem; overflow-wrap: anywhere; hyphens: auto; }
  .finance-news-grid { grid-template-columns: 1fr; }
  .finance-news-grid .hub-card:nth-child(n) { grid-column: auto; }
  .finance-impact-grid,
  .finance-glossary,
  .finance-footer-nav .read-next { grid-template-columns: 1fr; }
  .finance-card { min-height: 210px; }
}

/* ============================================================
   FOOTER
   ============================================================ */
.jr-footer {
  margin-top: 64px;
  border-top: 1px solid rgba(176,138,87,.22);
  padding: 32px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.jr-footer__copy {
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(17,21,19,.42);
}
.jr-footer__links {
  display: flex;
  gap: 24px;
}
.jr-footer__links a {
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(17,21,19,.54);
  text-decoration: none;
  transition: color .2s;
}
.jr-footer__links a:hover { color: var(--jr-gold, #B08A57); }