/* Parent Money Maths — site stylesheet
   Brand: Ink #18264A · Ledger Blue #2A4FD3 · Gain Green #1D7652 (always +) · Cliff Red #C3342A (always −)
   Graph Paper #F5F7FB · Muted Ink #56668A · Grid Line #E1E7F1
   Type: Fraunces (headlines, big figures) · Plus Jakarta Sans (body) · Space Mono (the working)
   Site classes start with "pm-" so they never clash with the calculators' own styles.

   Contents: fonts · tokens · base · header · type · buttons · home hero + question cards ·
   flip cards (answer front, working back) · calculator cards · sections · articles ·
   calculator pages · footer · print and motion */

@font-face{font-family:"Fraunces";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/fraunces-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Fraunces";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/fraunces-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:italic;font-weight:400;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-400-italic.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/plus-jakarta-sans-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Space Mono";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/space-mono-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Space Mono";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/space-mono-latin-700-normal.woff2) format("woff2")}

/* ---------- tokens ---------- */
:root{
  color-scheme:light;
  --paper:#F5F7FB; --card:#FFFFFF; --ink:#18264A; --muted:#56668A; --rule:#DCE3EF; --rule-strong:#C5D0E2; --grid:#E1E7F1;
  --accent:#2A4FD3; --accent-soft:#E6ECFD; --red:#C3342A; --red-soft:#FBE9E7; --green:#1D7652; --green-soft:#E3F3EB;
  --amber:#9A6A00; --amber-soft:#FBF1D9;
  --band:#18264A; --band-2:#1F2F5A; --band-text:#F5F7FB; --band-muted:#B9C4DD; --band-rule:#2E3D66; --band-accent:#8AA4FF;
  --gain-on-band:#7FD8AC; --loss-on-band:#FF9A90;
  --f-display:"Fraunces", Georgia, "Times New Roman", serif;
  --f-body:"Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono:"Space Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --max:1120px; --gutter:20px;
  --r-lg:22px; --r-md:16px; --r-sm:10px;
  --lift:0 1px 2px rgba(24,38,74,.05), 0 14px 34px -22px rgba(24,38,74,.32);
  --ease:cubic-bezier(.2,.7,.2,1);
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  color-scheme:dark;
  --paper:#0E1525; --card:#141D31; --ink:#E5EBF7; --muted:#9BA9C4; --rule:#25314C; --rule-strong:#34425F; --grid:#1C2740;
  --accent:#8AA4FF; --accent-soft:#1D2A52; --red:#FF7A6E; --red-soft:#3A1E21; --green:#53C795; --green-soft:#14322A;
  --amber:#F0C25A; --amber-soft:#382C12;
  --band:#0A1020; --band-2:#121B32; --band-text:#E5EBF7; --band-muted:#9BA9C4; --band-rule:#22304F;
  --lift:0 1px 2px rgba(0,0,0,.3), 0 14px 34px -22px rgba(0,0,0,.7)}}
:root[data-theme="dark"]{
  color-scheme:dark;
  --paper:#0E1525; --card:#141D31; --ink:#E5EBF7; --muted:#9BA9C4; --rule:#25314C; --rule-strong:#34425F; --grid:#1C2740;
  --accent:#8AA4FF; --accent-soft:#1D2A52; --red:#FF7A6E; --red-soft:#3A1E21; --green:#53C795; --green-soft:#14322A;
  --amber:#F0C25A; --amber-soft:#382C12;
  --band:#0A1020; --band-2:#121B32; --band-text:#E5EBF7; --band-muted:#9BA9C4; --band-rule:#22304F;
  --lift:0 1px 2px rgba(0,0,0,.3), 0 14px 34px -22px rgba(0,0,0,.7)}

/* ---------- base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
html,body{overflow-x:hidden}
@supports (overflow:clip){html,body{overflow-x:clip}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:16px;line-height:1.6;min-height:100vh;display:flex;flex-direction:column;-webkit-font-smoothing:antialiased}
[hidden]{display:none!important}
img,svg{max-width:100%}
a{color:var(--accent);text-underline-offset:.18em;text-decoration-thickness:1px}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}
.pm-skip{position:absolute;left:-9999px;top:0;background:var(--card);color:var(--ink);padding:10px 14px;z-index:20;border-radius:0 0 10px 0}
.pm-skip:focus{left:0}
.pm-main{flex:1}
.pm-container{max-width:var(--max);margin:0 auto;padding-left:max(var(--gutter),env(safe-area-inset-left,0px));padding-right:max(var(--gutter),env(safe-area-inset-right,0px))}
.pm-narrow{max-width:760px}
.pm-nowrap{white-space:nowrap}
.pm-gain{color:var(--green)} .pm-loss{color:var(--red)}
.pm-sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- header ---------- */
.pm-header{position:sticky;top:0;z-index:10;background:color-mix(in srgb,var(--paper) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid transparent;transition:border-color .2s}
.pm-header.is-stuck{border-bottom-color:var(--rule)}
.pm-header .pm-container{display:flex;align-items:center;justify-content:space-between;gap:12px 24px;min-height:64px}
.pm-brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--f-display);font-weight:600;font-size:18px;letter-spacing:-.01em;line-height:1.1}
.pm-brand svg{width:32px;height:32px;border-radius:9px;flex:none}
.pm-brand .m{color:var(--accent)}
.pm-nav{display:flex;gap:2px}
.pm-nav a{color:var(--muted);text-decoration:none;font-size:14.5px;font-weight:600;padding:8px 12px;border-radius:999px;transition:background .15s,color .15s}
.pm-nav a:hover{color:var(--ink);background:color-mix(in srgb,var(--ink) 6%,transparent)}
.pm-nav a[aria-current="page"]{color:var(--ink);background:color-mix(in srgb,var(--ink) 8%,transparent)}
@media (max-width:600px){
  .pm-header .pm-container{flex-wrap:wrap;min-height:0;padding-top:10px;padding-bottom:8px}
  .pm-nav{width:calc(100% + 24px);margin:0 -12px}
  .pm-nav a{font-size:14px;padding:7px 12px}
  .pm-brand{font-size:17px}
}

/* ---------- type ---------- */
.pm-kicker{font-size:14px;font-weight:600;color:var(--accent);margin:0}
.pm-h1{font-family:var(--f-display);font-weight:600;font-size:clamp(36px,6.4vw,64px);line-height:1.02;letter-spacing:-.025em;margin:0;text-wrap:balance}
.pm-h2{font-family:var(--f-display);font-weight:600;font-size:clamp(27px,3.8vw,38px);line-height:1.1;letter-spacing:-.02em;margin:0;text-wrap:balance}
.pm-h3{font-family:var(--f-display);font-weight:600;font-size:21px;line-height:1.2;margin:0}
.pm-lede{font-size:clamp(17px,2vw,19.5px);line-height:1.55;color:var(--muted);margin:0;max-width:58ch}
.pm-small{font-size:14px;color:var(--muted);line-height:1.55}

/* ---------- buttons ---------- */
.pm-buttons{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.pm-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-size:15.5px;font-weight:700;text-decoration:none;border-radius:999px;padding:13px 22px;background:var(--ink);color:var(--paper);border:1px solid var(--ink);cursor:pointer;line-height:1.2;transition:background .15s,border-color .15s,color .15s,transform .15s}
.pm-button:hover{background:var(--accent);border-color:var(--accent);color:#fff}
.pm-button:active{transform:translateY(1px)}
.pm-button--ghost{background:transparent;color:var(--ink);border-color:var(--rule-strong)}
.pm-button--ghost:hover{background:var(--card);color:var(--accent);border-color:var(--accent)}
.pm-button--light{background:var(--band-text);color:var(--band);border-color:var(--band-text)}
.pm-button--light:hover{background:var(--band-accent);border-color:var(--band-accent);color:#0A1020}
.pm-textlink{font-weight:700;text-decoration:none;color:var(--accent)}
.pm-textlink:hover{text-decoration:underline}
.pm-arrow{display:inline-block;width:1em;height:1em;flex:none;transition:transform .2s var(--ease)}

/* ---------- home: hero band with the question cards ---------- */
.pm-hero{background:var(--band);color:var(--band-text);position:relative;overflow:hidden;padding:clamp(40px,7vw,84px) 0 clamp(36px,5vw,64px)}
.pm-hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:27px 27px;-webkit-mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.6) 45%,transparent 100%);mask-image:linear-gradient(180deg,#000 0%,rgba(0,0,0,.6) 45%,transparent 100%);pointer-events:none}
.pm-hero > *{position:relative}
.pm-hero-text{display:grid;gap:18px;max-width:760px}
.pm-hero .pm-h1{color:var(--band-text)}
.pm-hero .pm-lede{color:var(--band-muted)}
.pm-hero-row{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-top:clamp(34px,5vw,56px);margin-bottom:18px}
.pm-hero-row h2{font-family:var(--f-display);font-weight:600;font-size:clamp(20px,2.4vw,24px);margin:0;letter-spacing:-.01em}
.pm-hero-row p{margin:4px 0 0;color:var(--band-muted);font-size:14.5px}
@media (max-width:600px){.pm-hero-row{align-items:center}.pm-hero-row p{display:none}.pm-qcontrols [data-q-prev],.pm-qcontrols [data-q-next]{display:none}.pm-q{min-height:380px;padding:22px 20px 18px}.pm-q h3{min-height:0}}

/* carousel controls */
.pm-qcontrols{display:flex;gap:8px;flex:none}
.pm-iconbtn{width:42px;height:42px;border-radius:999px;display:grid;place-items:center;border:1px solid var(--band-rule);background:transparent;color:var(--band-text);cursor:pointer;transition:background .15s,border-color .15s}
.pm-iconbtn:hover{background:rgba(255,255,255,.08);border-color:var(--band-muted)}
.pm-iconbtn svg{width:18px;height:18px}
.pm-iconbtn[disabled]{opacity:.35;cursor:default}
.pm-iconbtn .i-play{display:none}
.pm-iconbtn[aria-pressed="true"] .i-play{display:block}
.pm-iconbtn[aria-pressed="true"] .i-pause{display:none}

/* the track: scrolls sideways inside itself; the page never does */
.pm-qtrack{position:relative;display:flex;gap:16px;overflow-x:auto;overscroll-behavior-x:contain;scroll-snap-type:x mandatory;scrollbar-width:none;
  padding:6px max(var(--gutter),calc((100% - var(--max))/2 + var(--gutter))) 10px;
  scroll-padding-inline:max(var(--gutter),calc((100% - var(--max))/2 + var(--gutter)))}
.pm-qtrack::-webkit-scrollbar{display:none}
.pm-qtrack:focus-visible{outline-offset:-2px}

.pm-q{position:relative;flex:0 0 min(84vw,360px);scroll-snap-align:start;background:var(--card);color:var(--ink);border-radius:var(--r-lg);padding:24px 24px 20px;display:flex;flex-direction:column;gap:14px;min-height:400px;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.pm-q:hover{transform:translateY(-3px);box-shadow:0 24px 40px -26px rgba(0,0,0,.55)}
.pm-q-topic{font-size:13px;font-weight:600;color:var(--muted);margin:0}
.pm-q h3{font-family:var(--f-display);font-weight:600;font-size:clamp(23px,2.6vw,27px);line-height:1.15;letter-spacing:-.015em;margin:0;text-wrap:balance;min-height:3.45em}
.pm-q h3 a{color:inherit;text-decoration:none}
.pm-q h3 a::after{content:"";position:absolute;inset:0;border-radius:inherit;z-index:1}
.pm-q h3 a:focus-visible{outline:none}
.pm-q:has(h3 a:focus-visible){outline:3px solid var(--band-accent);outline-offset:3px}
.pm-q-answer{display:grid;gap:6px;padding-top:16px;border-top:1px solid var(--rule)}
.pm-q-fig{font-family:var(--f-display);font-weight:600;font-size:clamp(46px,6vw,58px);line-height:1;letter-spacing:-.03em;margin:0;font-variant-numeric:lining-nums}
.pm-q-fig small{font-size:.34em;letter-spacing:0;font-weight:600;margin-left:.4em;color:var(--muted);font-family:var(--f-body)}
.pm-q-fig.gain{color:var(--green)} .pm-q-fig.loss{color:var(--red)} .pm-q-fig.neutral{color:var(--accent)}
.pm-q-text{margin:0;font-size:15px;line-height:1.5;color:var(--muted)}
.pm-q-foot{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:auto;padding-top:6px}
.pm-q-read{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:14.5px;color:var(--accent);white-space:nowrap}
.pm-q:hover .pm-q-read .pm-arrow{transform:translateX(3px)}
.pm-q-calc{position:relative;z-index:2;font-size:13.5px;font-weight:600;color:var(--ink);text-decoration:none;border:1px solid var(--rule-strong);border-radius:999px;padding:7px 12px;white-space:nowrap;transition:border-color .15s,color .15s,background .15s}
.pm-q-calc:hover{border-color:var(--accent);color:var(--accent);background:var(--accent-soft)}

.pm-q .pm-who{margin-top:2px}

/* progress dots */
.pm-qdots{display:flex;gap:8px;justify-content:center;margin-top:18px;flex-wrap:wrap}
.pm-qdot{appearance:none;border:0;padding:10px 0;background:none;cursor:pointer;width:26px}
.pm-qdot span{display:block;height:4px;border-radius:4px;background:rgba(255,255,255,.22);overflow:hidden;position:relative}
.pm-qdot span::after{content:"";position:absolute;inset:0;background:var(--band-text);transform:scaleX(0);transform-origin:left}
.pm-qdot[aria-current="true"]{width:44px}
.pm-qdot[aria-current="true"] span::after{transform:scaleX(1)}
.pm-qcarousel.is-playing .pm-qdot[aria-current="true"] span::after{animation:pm-fill var(--cycle,7s) linear forwards}
@keyframes pm-fill{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.pm-qdot{transition:width .3s var(--ease)}

/* ---------- sections ---------- */
.pm-section{padding:clamp(52px,7vw,88px) 0}
.pm-section + .pm-section{padding-top:0}
.pm-section-head{display:grid;gap:12px;margin-bottom:clamp(24px,3vw,34px);max-width:680px}
.pm-section-head p{margin:0;color:var(--muted);font-size:17px}
.pm-section-foot{margin-top:22px}

/* "show the working" section on the home page */
.pm-split{display:grid;gap:32px;align-items:center}
@media (min-width:900px){.pm-split{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px}}
.pm-split-text{display:grid;gap:16px}
.pm-split-text p{margin:0;color:var(--muted);font-size:17px;max-width:52ch}
.pm-promises{list-style:none;margin:8px 0 0;padding:0;display:grid;gap:14px}
.pm-promises li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:12px;align-items:start;font-size:15.5px;color:var(--muted)}
.pm-promises li b{display:block;color:var(--ink);font-weight:700;margin-bottom:1px}
.pm-promises svg{width:22px;height:22px;color:var(--green);margin-top:1px}

/* ---------- flip cards: the answer on the front, the working on the back ---------- */
.pm-flip{perspective:1800px;margin:0}
.pm-flip-inner{position:relative;transform-style:preserve-3d}
.pm-face{background:var(--card);border:1px solid var(--rule);border-radius:var(--r-lg);padding:clamp(20px,3vw,28px);display:grid;gap:16px;align-content:start;min-width:0}
.pm-face--back{background-color:var(--card);background-image:linear-gradient(var(--grid) 1px,transparent 1px),linear-gradient(90deg,var(--grid) 1px,transparent 1px);background-size:27px 27px;background-position:-1px -1px}
.pm-face-head{display:flex;align-items:center;justify-content:space-between;gap:12px}
.pm-face-title{font-family:var(--f-display);font-weight:600;font-size:19px;margin:0}
.pm-flip-btn{display:inline-flex;align-items:center;gap:8px;justify-self:start;font:inherit;font-size:14.5px;font-weight:700;color:var(--ink);background:var(--card);border:1px solid var(--rule-strong);border-radius:999px;padding:10px 16px;cursor:pointer;transition:border-color .15s,color .15s,background .15s}
.pm-flip-btn:hover{border-color:var(--accent);color:var(--accent)}
.pm-flip-btn svg{width:16px;height:16px;flex:none;transition:transform .4s var(--ease)}
.pm-flip-btn:hover svg{transform:rotate(-180deg)}
.pm-flip-btn--back{padding:7px 12px;font-size:13.5px;flex:none}
/* until the script runs (or without it) both faces simply stack */
.pm-flip-btn{display:none}
.pm-js .pm-flip-btn{display:inline-flex}
.pm-flip:not(.is-ready) .pm-face--back{margin-top:12px}
.pm-js .pm-flip.is-ready .pm-face{-webkit-backface-visibility:hidden;backface-visibility:hidden}
.pm-js .pm-flip.is-ready .pm-flip-inner{transition:transform .7s var(--ease)}
.pm-js .pm-flip.is-ready .pm-face--back{position:absolute;top:0;left:0;right:0;transform:rotateY(180deg)}
.pm-js .pm-flip.is-ready.is-flipped .pm-flip-inner{transform:rotateY(180deg)}
.pm-js .pm-flip.is-ready.show-back .pm-face--back{position:relative}
.pm-js .pm-flip.is-ready.show-back .pm-face--front{position:absolute;top:0;left:0;right:0}
.pm-js .pm-flip.is-ready .pm-face--front{cursor:pointer}
.pm-js .pm-flip.is-ready .pm-face--front :is(a,button,input,select,label,summary){cursor:revert}

/* answer face content */
.pm-ans-fig{font-family:var(--f-display);font-weight:600;font-size:clamp(52px,8vw,76px);line-height:1;letter-spacing:-.035em;margin:0}
.pm-ans-fig.gain{color:var(--green)} .pm-ans-fig.loss{color:var(--red)} .pm-ans-fig.neutral{color:var(--accent)}
.pm-ans-unit{font-size:.3em;letter-spacing:0;color:var(--muted);margin-left:.4em;font-weight:600;font-family:var(--f-body)}
.pm-ans-label{font-family:var(--f-display);font-weight:600;font-size:clamp(19px,2.2vw,22px);line-height:1.25;margin:0;text-wrap:balance}
.pm-ans-text{margin:0;color:var(--muted);font-size:15.5px;line-height:1.55}
.pm-ans-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.pm-ans-tag{font-size:13px;font-weight:600;color:var(--muted);margin:0}

/* ledger lines (the working) */
.pm-ledger{font-family:var(--f-mono);font-size:14px;line-height:1.5;margin:0;display:grid;gap:7px;background:var(--card);border:1px solid var(--rule);border-radius:var(--r-sm);padding:14px 16px}
.pm-ledger div{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:16px;align-items:baseline}
.pm-ledger dt,.pm-ledger dd{margin:0}
.pm-ledger dd{font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.pm-ledger .tot{border-top:1.5px solid var(--ink);padding-top:8px;font-weight:700}
.pm-ledger-note{margin:0;font-size:13.5px;color:var(--muted)}

/* ---------- calculator cards (directory, home, calculator pages) ---------- */
.pm-cards{display:grid;gap:14px;list-style:none;margin:0;padding:0}
@media (min-width:680px){.pm-cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}}
@media (min-width:1020px){.pm-cards--3{grid-template-columns:repeat(3,minmax(0,1fr))}}
.pm-ccard{position:relative;display:flex;flex-direction:column;gap:10px;height:100%;background:var(--card);border:1px solid var(--rule);border-radius:var(--r-lg);padding:24px 24px 22px;text-decoration:none;color:var(--ink);transition:border-color .2s,box-shadow .3s var(--ease),transform .3s var(--ease)}
.pm-ccard:hover{border-color:var(--rule-strong);box-shadow:var(--lift);transform:translateY(-2px)}
.pm-ccard-topic{display:flex;align-items:center;gap:10px;font-size:13px;font-weight:600;color:var(--muted);margin:0}
.pm-ccard-topic svg{width:34px;height:20px;flex:none}
.pm-ccard h2,.pm-ccard h3{font-family:var(--f-display);font-weight:600;font-size:clamp(21px,2.3vw,24px);line-height:1.18;letter-spacing:-.012em;margin:0;text-wrap:balance}
.pm-ccard p.sub{margin:0;color:var(--muted);font-size:15.5px;line-height:1.5}
.pm-ccard-go{margin-top:auto;padding-top:12px;display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:14.5px;color:var(--accent)}
.pm-ccard:hover .pm-arrow{transform:translateX(4px)}
/* a card left alone on the last row spans the row, laid out sideways */
@media (min-width:680px) and (max-width:1019px){
  .pm-cards > li:last-child:nth-child(odd){grid-column:1/-1}
  .pm-cards > li:last-child:nth-child(odd) > .pm-ccard:not(.pm-ccard--compact){display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);column-gap:40px;align-items:start}
  .pm-cards > li:last-child:nth-child(odd) > .pm-ccard:not(.pm-ccard--compact) > *{grid-column:1}
  .pm-cards > li:last-child:nth-child(odd) > .pm-ccard:not(.pm-ccard--compact) .pm-ccard-go{grid-column:2;grid-row:1 / span 2;align-self:center;margin:0;padding:0;justify-self:end}
  .pm-cards > li:last-child:nth-child(odd) > .pm-ccard:not(.pm-ccard--compact) .pm-who{grid-column:2;grid-row:3 / span 2;align-self:end;min-height:0}
}
@media (min-width:1020px){
  .pm-cards--3 > li:last-child:nth-child(3n+1){grid-column:1/-1}
  .pm-cards--3 > li:last-child:nth-child(3n+1) > .pm-ccard:not(.pm-ccard--compact){display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1fr);column-gap:40px;align-items:start}
  .pm-cards--3 > li:last-child:nth-child(3n+1) > .pm-ccard:not(.pm-ccard--compact) > *{grid-column:1}
  .pm-cards--3 > li:last-child:nth-child(3n+1) > .pm-ccard:not(.pm-ccard--compact) .pm-ccard-go{grid-column:2;grid-row:1 / span 2;align-self:center;margin:0;padding:0;justify-self:end}
  .pm-cards--3 > li:last-child:nth-child(3n+1) > .pm-ccard:not(.pm-ccard--compact) .pm-who{grid-column:2;grid-row:3 / span 2;align-self:end;min-height:0}
}
.pm-ccard--compact{padding:18px 20px;gap:6px;border-radius:var(--r-md)}
.pm-ccard--compact h3{font-size:19px}
.pm-ccard--compact .pm-ccard-go{padding-top:6px;font-size:14px}

/* "who it's for": a quiet line at the foot of a tile */
.pm-who{display:flex;align-items:flex-start;gap:7px;margin:0;padding-top:12px;border-top:1px solid var(--rule);font-size:13px;line-height:1.45;color:var(--muted);font-weight:500}
.pm-who svg{width:14px;height:14px;flex:none;margin-top:2px;opacity:.75}
.pm-ccard .pm-who{margin-top:4px}
.pm-ccard--compact .pm-who{padding-top:10px;font-size:12.5px}
/* keep the tagline the same height across a row so the links line up */
.pm-q .pm-who{min-height:calc(2.9em + 13px)}
@media (min-width:680px){.pm-ccard .pm-who,.pm-posts--2 .pm-who{min-height:calc(2.9em + 13px)}}

/* ---------- page heads ---------- */
.pm-pagehead{padding:clamp(40px,6vw,72px) 0 clamp(24px,3vw,36px);display:grid;gap:14px;max-width:760px}
.pm-crumbs{font-size:14px;color:var(--muted);margin:0;display:flex;flex-wrap:wrap;gap:6px}
.pm-crumbs a{color:var(--muted);text-decoration:none;font-weight:600}
.pm-crumbs a:hover{color:var(--accent)}
.pm-crumbs span[aria-hidden]{opacity:.5}

/* trust points, used under grids */
.pm-trust{display:grid;gap:18px;margin-top:clamp(36px,5vw,56px);padding-top:28px;border-top:1px solid var(--rule)}
@media (min-width:820px){.pm-trust{grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}}
.pm-trust div{display:grid;gap:4px}
.pm-trust b{font-weight:700;font-size:15.5px}
.pm-trust p{margin:0;color:var(--muted);font-size:15px}

/* ---------- worked examples list ---------- */
.pm-posts{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.pm-posts > li,.pm-cards > li{display:flex}
.pm-posts > li > *,.pm-cards > li > *{flex:1;min-width:0}
.pm-postcard{display:grid;gap:10px;align-content:start;position:relative;background:var(--card);border:1px solid var(--rule);border-radius:var(--r-lg);padding:24px;transition:border-color .2s,box-shadow .3s var(--ease)}
.pm-postcard:hover{border-color:var(--rule-strong);box-shadow:var(--lift)}
.pm-postcard h2,.pm-postcard h3{font-family:var(--f-display);font-weight:600;font-size:clamp(22px,2.6vw,27px);line-height:1.18;letter-spacing:-.015em;margin:0;text-wrap:balance}
.pm-postcard h2 a,.pm-postcard h3 a{color:inherit;text-decoration:none}
.pm-postcard h2 a::after,.pm-postcard h3 a::after{content:"";position:absolute;inset:0;border-radius:inherit}
.pm-postcard:has(a:focus-visible){outline:2px solid var(--accent);outline-offset:3px}
.pm-postcard a:focus-visible{outline:none}
.pm-postcard p{margin:0;color:var(--muted);font-size:15.5px}
.pm-postcard p.pm-who{margin-top:4px;font-size:13px}
.pm-postcard .pm-post-meta{font-size:13.5px;color:var(--muted);display:flex;flex-wrap:wrap;gap:4px 14px;align-items:center}
.pm-post-fig{font-family:var(--f-display);font-weight:600;font-size:20px;letter-spacing:-.01em}
.pm-post-fig.gain{color:var(--green)} .pm-post-fig.loss{color:var(--red)} .pm-post-fig.neutral{color:var(--accent)}
.pm-posts--compact{gap:12px}
.pm-posts--compact .pm-postcard{padding:18px 20px;border-radius:var(--r-md)}
.pm-posts--compact .pm-postcard h3{font-size:19px}
@media (min-width:760px){.pm-posts--2{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* ---------- articles ---------- */
.pm-article{padding:clamp(32px,5vw,56px) 0 24px}
.pm-article-head{display:grid;gap:16px;margin-bottom:clamp(26px,4vw,40px)}
.pm-article-head h1{font-family:var(--f-display);font-weight:600;font-size:clamp(32px,5.2vw,52px);line-height:1.06;letter-spacing:-.025em;margin:0;text-wrap:balance}
.pm-standfirst{font-size:clamp(18px,2.2vw,21px);line-height:1.5;color:var(--muted);margin:0}
.pm-meta{font-size:13.5px;color:var(--muted);display:flex;flex-wrap:wrap;gap:4px 16px;margin:0}
.pm-intro-flip{margin:0 0 clamp(30px,4vw,44px)}

.pm-prose{font-size:18px;line-height:1.72}
.pm-prose > *{margin:0 0 1.1em}
.pm-prose h2{font-family:var(--f-display);font-weight:600;font-size:clamp(24px,3vw,30px);line-height:1.18;letter-spacing:-.015em;margin:1.9em 0 .55em;text-wrap:balance}
.pm-prose h3{font-family:var(--f-display);font-weight:600;font-size:21px;margin:1.5em 0 .45em}
.pm-prose ul,.pm-prose ol{padding-left:1.3em}
.pm-prose li{margin:.4em 0}
.pm-prose li::marker{color:var(--accent);font-weight:700}
.pm-prose strong{font-weight:700}
.pm-prose a{font-weight:600}
.pm-prose blockquote{margin:1.6em 0;padding:4px 0 4px 20px;border-left:3px solid var(--accent);font-family:var(--f-display);font-weight:600;font-size:clamp(21px,2.6vw,24px);line-height:1.35;color:var(--ink)}
.pm-prose blockquote p{margin:0}
.pm-prose .pm-flip{margin:1.6em 0 1.8em}
.pm-prose .pm-face > *{margin:0}
.pm-prose .pm-face .pm-table{margin:0}
.pm-prose .pm-small{border-top:1px solid var(--rule);padding-top:16px;margin-top:2.2em}
.pm-prose .pm-aside{font-size:16px;line-height:1.6;background:var(--card);border:1px solid var(--rule);border-radius:var(--r-md);padding:16px 18px}
.pm-prose .pm-aside p{margin:0}

/* tables become ledgers */
.pm-table{overflow-x:auto;margin:1.4em 0 1.6em;background:var(--card);border:1px solid var(--rule);border-radius:var(--r-sm)}
.pm-table table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.45}
.pm-table th{font-family:var(--f-body);font-size:13px;color:var(--muted);font-weight:600;text-align:left;padding:11px 16px;border-bottom:1px solid var(--rule);background:var(--paper)}
.pm-table td{padding:10px 16px;border-bottom:1px solid var(--grid);vertical-align:top}
.pm-table tr:last-child td{border-bottom:0}
.pm-table td:not(:first-child),.pm-table th:not(:first-child){text-align:right;font-family:var(--f-mono);font-variant-numeric:tabular-nums}
.pm-table td:first-child{min-width:8.5em}
.pm-table th:not(:first-child){font-family:var(--f-body)}
.pm-table tr.tot td{border-top:1.5px solid var(--ink);font-weight:700;background:var(--paper)}
.pm-table td.pm-gain{color:var(--green)} .pm-table td.pm-loss{color:var(--red)}
.pm-table.text td:not(:first-child){font-family:var(--f-body);white-space:normal;text-align:left}
.pm-table.text th:not(:first-child){text-align:left}
.pm-face--back .pm-table{background:var(--card)}

/* "Your turn" band */
.pm-band{background:var(--band);color:var(--band-text);border-radius:var(--r-lg);padding:clamp(26px,4vw,40px);display:grid;gap:14px;position:relative;overflow:hidden}
.pm-band::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:27px 27px;pointer-events:none}
.pm-band > *{position:relative}
.pm-band-kicker{font-size:14px;font-weight:600;color:var(--band-accent);margin:0}
.pm-band h2,.pm-band h3{font-family:var(--f-display);font-weight:600;font-size:clamp(25px,3.4vw,32px);line-height:1.12;letter-spacing:-.015em;margin:0;text-wrap:balance}
.pm-band p{margin:0;color:var(--band-muted);max-width:58ch}
.pm-band .pm-buttons{margin-top:4px}

.pm-after-article{display:grid;gap:clamp(40px,6vw,64px);padding-bottom:clamp(40px,6vw,72px)}
.pm-after-article h2.pm-h3{margin-bottom:16px}

/* ---------- calculator pages: tie each calculator into the site ---------- */
.pm-calc-top{padding-top:22px}
.pm-calc .wrap{max-width:var(--max);padding-top:14px;padding-left:max(var(--gutter),env(safe-area-inset-left,0px));padding-right:max(var(--gutter),env(safe-area-inset-right,0px))}
/* one-column calculators (read top to bottom) stay at a comfortable width on big screens */
.pm-calc .wrap:not(:has(.grid)){max-width:calc(820px + 2 * var(--gutter))}
.pm-calc-top:has(+ .pm-calc .wrap:not(:has(.grid))){max-width:calc(820px + 2 * var(--gutter))}
.pm-calc .calc-head{margin-bottom:28px;gap:12px}
.pm-calc .calc-head .eyebrow{font-family:var(--f-body);font-size:14px;letter-spacing:0;text-transform:none;font-weight:600;color:var(--accent)}
.pm-calc .calc-head h1{font-size:clamp(32px,5vw,50px);letter-spacing:-.025em;line-height:1.05}
.pm-calc .calc-head .lede{font-size:clamp(16.5px,1.9vw,18.5px);line-height:1.55}
.pm-calc .panel{border-radius:var(--r-lg);border-color:var(--rule);padding:clamp(18px,2.6vw,26px)}
.pm-calc input[type=number],.pm-calc select{border-radius:var(--r-sm);min-height:44px}
.pm-calc .verdict{border-radius:var(--r-md)}
.pm-calc .working{border-radius:var(--r-sm)}
.pm-calc .calc-foot{max-width:80ch;margin-top:32px}
.pm-calc .pm-face.panel{padding:clamp(18px,2.6vw,26px)}
.pm-calc .pm-face--back .working{background-color:var(--card)}
.pm-calc .pm-flip + .panel,.pm-calc .pm-results > .panel{margin:0}
.pm-calc .pm-results{display:grid;gap:18px;min-width:0;align-content:start}
.pm-calc .pm-face--back.panel{background-color:var(--card);background-image:linear-gradient(var(--grid) 1px,transparent 1px),linear-gradient(90deg,var(--grid) 1px,transparent 1px);background-size:27px 27px;background-position:-1px -1px}
.pm-calc .pm-face--back .working{background:var(--card);background-image:none}
.pm-calc .step{font-family:var(--f-body);font-size:13.5px;font-weight:700;letter-spacing:0;text-transform:none;color:var(--accent)}
.pm-calc .verdict .tag{font-family:var(--f-body);font-size:13.5px;font-weight:700;letter-spacing:0;text-transform:none}
.pm-calc .eyebrow{font-family:var(--f-body)}
.pm-calc .pm-face .pm-flip-btn{justify-self:start}
.pm-calc .pm-face--back .notes,.pm-calc .pm-face--back .why{background:var(--card);border:1px solid var(--rule);border-radius:var(--r-sm);padding:12px 14px 12px 16px}
.pm-calc .pm-face--back .notes:empty{display:none}

.pm-after{padding:clamp(40px,6vw,64px) 0 clamp(48px,7vw,80px);border-top:1px solid var(--rule);margin-top:clamp(24px,4vw,40px)}
.pm-after .pm-container{display:grid;gap:clamp(36px,5vw,56px)}
.pm-after h2.pm-h3{margin-bottom:16px}

/* ---------- plain pages ---------- */
.pm-page{padding:0 0 64px}
.pm-page .pm-prose{font-size:17px}

/* ---------- future slots (empty until switched on in site.js) ---------- */
.pm-ad{margin:24px auto;max-width:var(--max);min-height:100px;display:grid;place-items:center}
.pm-ad-label{font-family:var(--f-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);text-align:center;margin-bottom:4px}

/* ---------- footer ---------- */
.pm-footer{background:var(--band);color:var(--band-text);margin-top:0;padding:48px 0 calc(28px + env(safe-area-inset-bottom,0px))}
.pm-footer .pm-container{display:grid;gap:28px}
@media (min-width:820px){.pm-footer .pm-container{grid-template-columns:minmax(0,1.4fr) minmax(0,1fr) minmax(0,1fr)}}
.pm-footer .pm-brand{color:var(--band-text)}
.pm-footer .pm-brand svg{box-shadow:0 0 0 1px var(--band-rule)}
.pm-footer .pm-brand .m{color:var(--band-accent)}
.pm-footer p{margin:0;color:var(--band-muted);font-size:14px;line-height:1.6}
.pm-footer p strong{color:var(--band-text)}
.pm-footer-col{display:grid;gap:9px;align-content:start}
.pm-footer-col b{font-size:13px;color:var(--band-muted);font-weight:600;margin-bottom:2px}
.pm-footer a{color:var(--band-text);text-decoration:none;font-size:14.5px}
.pm-footer a:hover{text-decoration:underline}
.pm-footer-base{grid-column:1/-1;border-top:1px solid var(--band-rule);padding-top:18px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px}
.pm-footer-base p{font-size:13px}

/* ---------- print and motion ---------- */
@media print{
  .pm-header,.pm-footer,.pm-after,.pm-ad,.pm-flip-btn,.pm-qcontrols,.pm-qdots{display:none!important}
  body{background:#fff}
  .pm-flip .pm-face{position:static!important;transform:none!important;backface-visibility:visible!important;margin-top:12px}
  .pm-flip-inner{transform:none!important}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}
  .pm-js .pm-flip.is-ready .pm-face--back{transform:none}
  .pm-js .pm-flip.is-ready.is-flipped .pm-flip-inner{transform:none}
  .pm-js .pm-flip.is-ready.show-back .pm-face--front,.pm-js .pm-flip.is-ready:not(.show-back) .pm-face--back{visibility:hidden}
}