/* 55300.com — Paycheck & Money Intelligence Hub
   Design tokens, layout, components. Light + dark. Mobile-first. */
:root{
  --ink:#0d1b2a;--ink-2:#1b2d42;--muted:#5b6b7d;--line:#e3e8ef;--bg:#f7f9fc;--card:#ffffff;
  --brand:#0a8f5b;--brand-2:#0fb877;--brand-soft:#e6f6ef;--accent:#f5a524;--accent-soft:#fff4df;
  --danger:#d64545;--info:#2f6fde;--radius:16px;--radius-sm:10px;
  --shadow:0 1px 2px rgba(13,27,42,.06),0 8px 24px rgba(13,27,42,.06);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --num:"Space Grotesk","Inter",system-ui,sans-serif;
  --max:1180px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --ink:#e8eef5;--ink-2:#c9d4e0;--muted:#94a3b5;--line:#243446;--bg:#0b1420;--card:#111d2b;
  --brand:#19c784;--brand-2:#3fe0a0;--brand-soft:#0f2a20;--accent:#ffb84d;--accent-soft:#2b2210;
  --shadow:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.25);}}
:root[data-theme="dark"]{
  --ink:#e8eef5;--ink-2:#c9d4e0;--muted:#94a3b5;--line:#243446;--bg:#0b1420;--card:#111d2b;
  --brand:#19c784;--brand-2:#3fe0a0;--brand-soft:#0f2a20;--accent:#ffb84d;--accent-soft:#2b2210;
  --shadow:0 1px 2px rgba(0,0,0,.4),0 8px 24px rgba(0,0,0,.25);}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.num{font-family:var(--num);font-variant-numeric:tabular-nums}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.section{padding:56px 0}
.section.alt{background:var(--card);border-block:1px solid var(--line)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:.6em}
.lead{font-size:1.15rem;color:var(--muted);max-width:720px}
.muted{color:var(--muted)}
.small{font-size:.875rem}
.center{text-align:center}
.center .lead{margin-inline:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:999}

/* Top interest banner (every page) */
.topbar{background:var(--ink);color:#fff;font-size:.85rem;text-align:center;padding:8px 16px}
:root[data-theme="dark"] .topbar{background:#05090f}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .topbar{background:#05090f}}
.topbar a{color:#7ef0bd;font-weight:700}

/* Header */
.header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:16px;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);font-size:1.15rem}
.logo:hover{text-decoration:none}
.logo .mark{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--brand),#0b5c8f);display:grid;place-items:center;color:#fff;font-family:var(--num);font-size:.6rem;font-weight:700;letter-spacing:-.02em}
.logo small{display:block;font-size:.68rem;font-weight:600;color:var(--muted);letter-spacing:.02em}
.menu{display:flex;gap:4px;margin-left:auto;align-items:center}
.menu a{color:var(--ink-2);padding:8px 12px;border-radius:8px;font-weight:600;font-size:.93rem}
.menu a:hover,.menu a[aria-current="page"]{background:var(--brand-soft);color:var(--brand);text-decoration:none}
.menu .btn{margin-left:6px}
.icon-btn{background:none;border:1px solid var(--line);color:var(--ink);width:38px;height:38px;border-radius:10px;cursor:pointer;display:grid;place-items:center;font-size:1rem}
.burger{display:none}
@media (max-width:960px){
  .burger{display:grid;margin-left:auto}
  .menu{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--card);border-bottom:1px solid var(--line);padding:12px 16px;box-shadow:var(--shadow)}
  .menu.open{display:flex}
  .menu .btn{margin:6px 0 0}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:12px;font-weight:700;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .12s ease,box-shadow .12s ease;text-decoration:none!important}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-2);box-shadow:0 8px 20px rgba(10,143,91,.25)}
.btn-accent{background:var(--accent);color:#1b1300}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-sm{padding:8px 14px;font-size:.9rem;border-radius:10px}
.btn-block{width:100%}

/* Hero */
.hero{padding:56px 0 40px;background:radial-gradient(1200px 400px at 85% -10%,var(--brand-soft),transparent),radial-gradient(800px 300px at -10% 10%,var(--accent-soft),transparent)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero h1 span{color:var(--brand)}
.trust{display:flex;flex-wrap:wrap;gap:18px;margin-top:22px;color:var(--muted);font-size:.9rem}
.trust b{color:var(--ink)}

/* Cards & grids */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.tool-card{display:flex;flex-direction:column;gap:8px;color:var(--ink);transition:transform .15s ease,border-color .15s ease}
.tool-card:hover{transform:translateY(-3px);border-color:var(--brand);text-decoration:none}
.tool-card .ico{width:44px;height:44px;border-radius:12px;background:var(--brand-soft);display:grid;place-items:center;font-size:1.3rem}
.tool-card p{color:var(--muted);font-size:.93rem;margin:0}
.tag{display:inline-block;font-size:.72rem;font-weight:700;padding:3px 8px;border-radius:999px;background:var(--accent-soft);color:#9a5b00}
:root[data-theme="dark"] .tag{color:var(--accent)}

/* Calculator UI */
.calc{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.calc h2,.calc h3{margin-top:0}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.field label{font-weight:600;font-size:.9rem}
.field .hint{font-size:.8rem;color:var(--muted)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.row{grid-template-columns:1fr}}
input,select,textarea{font:inherit;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-soft)}
.money{position:relative}.money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.money input{padding-left:26px}
input[type=range]{padding:0;accent-color:var(--brand);background:none;border:none}
.seg{display:flex;background:var(--bg);border:1.5px solid var(--line);border-radius:12px;padding:4px;gap:4px;flex-wrap:wrap}
.seg button{flex:1;border:none;background:none;padding:8px 10px;border-radius:9px;font:inherit;font-weight:600;color:var(--muted);cursor:pointer}
.seg button.on{background:var(--card);color:var(--brand);box-shadow:var(--shadow)}
.result{margin-top:18px;border-radius:16px;background:linear-gradient(135deg,var(--brand-soft),transparent);border:1px solid var(--line);padding:18px}
.big{font-family:var(--num);font-size:clamp(2rem,5vw,2.8rem);font-weight:700;color:var(--brand);line-height:1.1}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;margin-top:14px}
.stat{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:12px}
.stat .k{font-size:.75rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.stat .v{font-family:var(--num);font-weight:700;font-size:1.15rem}
.bar{display:flex;height:14px;border-radius:999px;overflow:hidden;margin:14px 0 8px;background:var(--line)}
.bar span{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:12px;font-size:.82rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius-sm)}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--card)}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:var(--bg);font-size:.8rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
td.r,th.r{text-align:right}
tr:last-child td{border-bottom:none}

/* Article */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:40px;align-items:start}
@media (max-width:980px){.layout{grid-template-columns:1fr}}
.article{max-width:760px}
.article h2{margin-top:1.6em}
.article h3{margin-top:1.3em}
.article ul,.article ol{padding-left:1.3em}
.article li{margin-bottom:.4em}
.callout{border-left:4px solid var(--brand);background:var(--brand-soft);padding:14px 18px;border-radius:0 12px 12px 0;margin:1.2em 0}
.callout.warn{border-color:var(--accent);background:var(--accent-soft)}
.byline{display:flex;flex-wrap:wrap;gap:14px;color:var(--muted);font-size:.88rem;margin-bottom:20px}
.sidebar{position:sticky;top:84px;display:flex;flex-direction:column;gap:20px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:12px}
.crumbs a{color:var(--muted)}
.toc{font-size:.92rem}.toc ol{padding-left:1.1em;margin:0}

/* Lead gen */
.lead-box{background:linear-gradient(135deg,#0b3b2a,#0d1b2a);color:#eaf7f0;border-radius:24px;padding:36px;position:relative;overflow:hidden}
.lead-box h2{color:#fff}
.lead-box .lead{color:#b8d9c9}
.lead-box::after{content:"";position:absolute;right:-80px;top:-80px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(25,199,132,.35),transparent 70%)}
.checks{list-style:none;padding:0;margin:16px 0}
.checks li{padding-left:28px;position:relative;margin-bottom:8px}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--brand-2);color:#05261a;font-size:.75rem;font-weight:800;display:grid;place-items:center}
.steps{display:flex;gap:8px;margin-bottom:18px}
.steps span{flex:1;height:6px;border-radius:999px;background:var(--line)}
.steps span.on{background:var(--brand)}
.step{display:none}.step.on{display:block}
.choice{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-bottom:14px}
@media (max-width:520px){.choice{grid-template-columns:1fr}}
.choice label{border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;cursor:pointer;font-weight:600;display:flex;gap:10px;align-items:center;background:var(--bg)}
.choice input{width:auto}
.choice label:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.form-msg{margin-top:12px;font-weight:600}
.form-msg.ok{color:var(--brand)}.form-msg.err{color:var(--danger)}
.hp{position:absolute;left:-5000px}

/* Donate tiers */
.tiers{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
@media (max-width:760px){.tiers{grid-template-columns:repeat(2,minmax(0,1fr))}}
.tier{border:2px solid var(--line);border-radius:14px;padding:16px;text-align:center;cursor:pointer;background:var(--card)}
.tier.on{border-color:var(--brand);background:var(--brand-soft)}
.tier .amt{font-family:var(--num);font-size:1.6rem;font-weight:700}
.progress{height:12px;background:var(--line);border-radius:999px;overflow:hidden}
.progress span{display:block;height:100%;background:linear-gradient(90deg,var(--brand),var(--brand-2))}

/* Video */
.video{position:relative;aspect-ratio:16/9;border-radius:14px;overflow:hidden;background:#000;cursor:pointer}
.video img{width:100%;height:100%;object-fit:cover;opacity:.85;transition:opacity .2s}
.video:hover img{opacity:1}
.video .play{position:absolute;inset:0;display:grid;place-items:center}
.video .play span{width:68px;height:48px;border-radius:14px;background:#e62117;display:grid;place-items:center;color:#fff;font-size:1.2rem}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* FAQ */
details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;background:var(--card);margin-bottom:10px}
summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::after{content:"+";font-weight:800;color:var(--brand)}
details[open] summary::after{content:"–"}
details p{margin:.8em 0 0;color:var(--muted)}

/* Newsletter strip */
.strip{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.inline-form{display:flex;gap:10px;flex:1;max-width:520px;min-width:260px}
@media (max-width:520px){.inline-form{flex-direction:column}}

/* Ad zones: AdSense Auto ads fills; manual <ins> units can be dropped in */
.ad-zone{margin:28px auto;min-height:0;text-align:center}
.ad-zone:empty{display:none}

/* Footer */
.footer{background:var(--ink);color:#c5d1de;padding:48px 0 24px;margin-top:40px;font-size:.92rem}
:root[data-theme="dark"] .footer{background:#05090f}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .footer{background:#05090f}}
.footer a{color:#c5d1de}
.footer h4{color:#fff;font-size:.95rem;margin-bottom:12px}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:8px}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
@media (max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}
.footer .legal{border-top:1px solid #23344a;margin-top:32px;padding-top:20px;font-size:.8rem;color:#8193a8}

/* Cookie bar */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:0 20px 50px rgba(0,0,0,.2);z-index:100;display:none;font-size:.9rem}
.cookie.show{display:block}
.cookie .actions{display:flex;gap:8px;margin-top:10px}

/* Back to top */
.totop{position:fixed;right:16px;bottom:16px;z-index:60;opacity:0;pointer-events:none;transition:opacity .2s}
.totop.show{opacity:1;pointer-events:auto}

/* Reveal */
.reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}

/* Quiz */
.q{margin-bottom:16px}
.q p{font-weight:600;margin-bottom:8px}
.pill-row{display:flex;flex-wrap:wrap;gap:8px}
.pill-row label{border:1.5px solid var(--line);border-radius:999px;padding:7px 14px;cursor:pointer;font-size:.9rem;background:var(--bg)}
.pill-row input{display:none}
.pill-row label:has(input:checked){border-color:var(--brand);background:var(--brand-soft);color:var(--brand);font-weight:700}
.meter{height:16px;border-radius:999px;background:linear-gradient(90deg,#d64545,#f5a524,#0fb877);position:relative;margin:12px 0}
.meter i{position:absolute;top:-6px;width:4px;height:28px;background:var(--ink);border-radius:2px;transition:left .4s}
.grid>*{min-width:0}
@media (max-width:900px){.out[style*="sticky"]{position:static!important}}