/* HomeinBudget — blog (article, index, archives). Loaded only on blog screens. */
.bl{--bl-line:#eceef4;--bl-tint:#f5f3ff;--bl-tint-b:#e3ddff;--bl-top:112px;color:var(--ink)}
.bl *{box-sizing:border-box}
.admin-bar .bl{--bl-top:144px}

/* ---------- Three-column layout, starting right below the header ---------- */
.bl-layout{max-width:1360px;margin:0 auto;padding:36px 32px 0;display:grid;grid-template-columns:232px minmax(0,1fr) 300px;gap:48px}
.bl-main{min-width:0}
.bl-sticky{position:sticky;top:var(--bl-top)}
.bl-label{font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}

/* Table of contents */
.bl-toc{border-left:2px solid var(--bl-line);max-height:calc(100vh - 300px);overflow:auto}
.bl-toc a{display:block;padding:9px 0 9px 16px;margin-left:-2px;border-left:2px solid transparent;color:var(--ink-2);font-size:15px;line-height:1.45;transition:color .2s,border-color .2s}
.bl-toc a:hover{color:var(--g1)}
.bl-toc a.on{border-left-color:var(--g1);color:var(--g1);font-weight:700}
.bl-progress{margin-top:28px;padding:18px;border-radius:16px;background:#f6f5ff}
.bl-progress-l{font-size:13px;font-weight:700;color:var(--ink-2);margin-bottom:8px}
.bl-progress-bar{height:6px;border-radius:6px;background:#e4e1ff;overflow:hidden}
.bl-progress-bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--g1),var(--g2));transition:width .15s linear}
.bl-progress-m{font-size:13px;color:var(--muted);margin-top:8px}

/* Breadcrumb, category chip, title */
.bl-crumbs{font-size:14px;color:var(--muted);display:flex;gap:8px;flex-wrap:wrap}
.bl-crumbs a{color:var(--muted)}.bl-crumbs a:hover{color:var(--g1)}
.bl-crumbs a[aria-current]{color:var(--ink-2);font-weight:600}
.bl-chip{display:inline-block;margin-top:18px;padding:6px 14px;border-radius:999px;background:#f1eeff;color:#4a36d8!important;font-size:13px;font-weight:800;letter-spacing:.06em;text-transform:uppercase}
.bl-title{margin:14px 0 0;font-size:46px;line-height:1.12;letter-spacing:-.03em;font-weight:800}

/* Author / reviewer / updated */
.bl-meta{margin-top:26px;padding:18px 20px;border:1px solid var(--bl-line);border-radius:18px;display:flex;flex-wrap:wrap;align-items:center;gap:18px 28px}
.bl-meta-p{display:flex;align-items:center;gap:12px}
.bl-meta-p>span:last-child,.bl-meta-d{display:flex;flex-direction:column}
.bl-meta-k{font-size:13px;color:var(--muted);display:inline-flex;align-items:center;gap:5px}
.bl-meta-v{font-weight:700;font-size:16px}
.bl-meta-v em{display:block;font-style:normal;font-weight:500;font-size:13px;color:var(--muted)}
.bl-u{text-decoration:underline;text-decoration-color:#d6d0ff;text-underline-offset:3px}
.bl-meta-sep{width:1px;height:36px;background:var(--bl-line)}
.bl-meta-rt{display:none}
.bl-verified{width:14px;height:14px}
.bl-av{width:46px;height:46px;border-radius:50%;flex:none;object-fit:cover}
.bl-av-i{display:grid;place-items:center;background:linear-gradient(135deg,var(--g1),var(--g2));color:#fff;font-weight:800;font-size:16px}
.bl-av-dark{background:var(--navy-2)}
.bl-av-lg{width:84px;height:84px;font-size:28px}

/* Share */
.bl-share{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.bl-share a,.bl-share button{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:#f3f4f8;color:var(--navy-1);border:0;cursor:pointer;transition:background .2s,color .2s}
.bl-share a:hover,.bl-share button:hover{background:#ece9ff;color:var(--g1)}
.bl-share svg{width:20px;height:20px}
.bl-share .sh-copy.is-ok{background:#e9f9ef;color:#1a9c5b}
.bl-share-m{display:none}
.bl-share-l{font-size:13px;font-weight:700;color:var(--muted);margin-right:4px}

/* Featured image */
.bl-hero{margin-top:28px;border-radius:24px;overflow:hidden;background:linear-gradient(135deg,#161b2b 0%,#2c3550 55%,#4a3aa8 100%);aspect-ratio:16/9}
.bl-hero img{width:100%;height:100%;object-fit:cover;display:block}
.bl-hero-ph{height:100%;display:grid;place-items:center}
.bl-hero-ph svg{width:32%;height:auto}

/* Mobile TOC */
.bl-toc-m{display:none}

/* Key takeaways */
.bl-kt{margin-top:36px;padding:30px 32px;border-radius:22px;background:var(--bl-tint);border:1px solid var(--bl-tint-b);position:relative;overflow:hidden}
.bl-kt::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--brand-grad)}
.bl-kt h2{margin:0 0 18px;font-size:22px;display:flex;align-items:center;gap:10px}
.bl-kt-i{width:34px;height:34px;border-radius:10px;background:var(--g1);display:grid;place-items:center}
.bl-kt-i svg{width:18px;height:18px}
.bl-kt ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:14px}
.bl-kt li{display:flex;gap:12px;font-size:17px;line-height:1.65;color:var(--navy-1)}
.bl-kt li svg{width:22px;height:22px;flex:none;margin-top:3px;color:var(--g1)}

/* ---------- Article body (WordPress editor content) ---------- */
.bl-prose{margin-top:36px;font-size:18px;line-height:1.75;color:var(--ink-2)}
.bl-prose>*{margin:0 0 20px}
.bl-prose h2{font-size:30px;line-height:1.25;letter-spacing:-.02em;margin:56px 0 18px;color:var(--ink);scroll-margin-top:var(--bl-top)}
.bl-prose h3{font-size:21px;line-height:1.35;margin:30px 0 10px;color:var(--ink);scroll-margin-top:var(--bl-top)}
.bl-prose h4{font-size:18px;margin:24px 0 8px;color:var(--ink)}
.bl-prose a{color:var(--g1);text-decoration:underline;text-decoration-color:#cfc8ff;text-underline-offset:3px}
.bl-prose a:hover{color:#3d2fc4}
.bl-prose strong,.bl-prose b{color:var(--ink)}
.bl-prose ul,.bl-prose ol{padding-left:24px}
.bl-prose li{margin-bottom:10px}
.bl-prose ul li::marker{color:var(--g1)}
.bl-prose img{max-width:100%;height:auto;border-radius:16px}
.bl-prose figure{margin:28px 0}
.bl-prose figcaption{font-size:14px;color:var(--muted);text-align:center;margin-top:8px}
.bl-prose blockquote,.bl-prose .wp-block-quote{margin:28px 0;padding:22px 26px;border-radius:18px;background:#fafafd;border:1px solid var(--bl-line);font-size:19px;color:var(--ink)}
.bl-prose blockquote cite{display:block;margin-top:10px;font-size:14px;font-style:normal;color:var(--muted)}
.bl-prose hr{border:0;height:1px;background:var(--bl-line);margin:40px 0}
.bl-prose .wp-block-table{overflow-x:auto;border:1px solid var(--bl-line);border-radius:14px}
.bl-prose table{width:100%;border-collapse:collapse;font-size:16px;line-height:1.5}
.bl-prose th,.bl-prose thead td{text-align:left;background:var(--navy-2);color:#fff;font-weight:700;padding:14px 16px;border:0}
.bl-prose td{padding:14px 16px;border:0;border-bottom:1px solid var(--bl-line);vertical-align:top}
.bl-prose tbody tr:nth-child(even) td{background:#fafafd}
.bl-prose .wp-block-table figcaption{padding:10px}
.bl-prose details,.bl-prose .wp-block-details{border:1px solid #e7e8f0;border-radius:16px;padding:0 22px;margin:0 0 12px;background:#fff}
.bl-prose details summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:700;font-size:18px;color:var(--ink);display:flex;justify-content:space-between;gap:16px}
.bl-prose details summary::-webkit-details-marker{display:none}
.bl-prose details summary::after{content:"+";color:var(--g1);font-weight:800}
.bl-prose details[open] summary::after{content:"–"}
.bl-prose details>*:not(summary){margin:0 0 20px}
.bl-prose .wp-block-button__link{background:var(--brand-grad);color:#fff;border-radius:999px;font-weight:700;text-decoration:none;padding:12px 26px}

/* Recommended read + mid-article banner (shortcodes) */
.bl-prose .bl-read{display:flex;align-items:center;gap:16px;padding:18px 20px;margin:28px 0;border-radius:16px;background:#fafafd;border:1px solid var(--bl-line);color:var(--ink);text-decoration:none}
.bl-read-l{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#b23ec2;flex:none}
.bl-read-t{font-weight:700;font-size:17px;line-height:1.4}
.bl-read svg{width:20px;height:20px;margin-left:auto;flex:none;color:var(--g1)}
.bl-midcta{margin:36px 0;padding:28px 32px;border-radius:22px;background:linear-gradient(120deg,#161b2b 0%,#2c3550 60%,#4a3aa8 100%);display:flex;flex-wrap:wrap;align-items:center;gap:20px}
.bl-midcta-t{flex:1 1 320px;display:flex;flex-direction:column;gap:6px}
.bl-midcta-t strong{font-size:24px;line-height:1.25;color:#fff}
.bl-midcta-t span{font-size:16px;line-height:1.5;color:rgba(255,255,255,.75)}
.bl-btn-grad,.bl-prose a.bl-btn-grad{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 26px;border-radius:999px;border:0;background:var(--brand-grad);color:#fff;font:700 16px var(--font);text-decoration:none;cursor:pointer;box-shadow:0 10px 24px -10px rgba(91,69,245,.6);transition:transform .2s}
.bl-btn-grad:hover{transform:translateY(-2px);color:#fff}
.bl-btn-grad:disabled{opacity:.6;transform:none;cursor:default}

/* Author box */
.bl-author{margin-top:48px;padding:28px;border-radius:22px;border:1px solid var(--bl-line);display:flex;gap:22px;flex-wrap:wrap;scroll-margin-top:var(--bl-top)}
.bl-author-b{flex:1 1 360px}
.bl-author .bl-label{margin-bottom:6px}
.bl-author-n{font-size:22px;font-weight:800}
.bl-author-j{font-size:15px;color:var(--muted);margin-top:2px}
.bl-author p{font-size:16px;line-height:1.65;color:var(--ink-2);margin:12px 0 14px}
.bl-author-f{display:flex;flex-wrap:wrap;gap:14px 24px;align-items:center;margin-top:12px;font-size:15px;color:var(--muted)}
.bl-author-f b{color:var(--ink)}
.bl-arrow{display:inline-flex;align-items:center;gap:6px;min-height:44px;font-weight:700;color:var(--g1)!important}
.bl-arrow svg{width:16px;height:16px}

/* ---------- Right column ---------- */
.bl-side-col{display:flex;flex-direction:column;gap:22px}
.bl-nl{padding:24px;border-radius:20px;background:#fff7ea;border:1px solid #f6e2bf}
.bl-nl-h{font-size:20px;font-weight:800}
.bl-nl p{font-size:15px;line-height:1.55;color:var(--ink-2);margin:6px 0 16px}
.bl-nl label{display:block;font-size:13px;font-weight:700;color:var(--ink-2);margin-bottom:6px}
.bl-nl input{width:100%;min-height:48px;padding:12px 16px;border-radius:12px;border:1.5px solid #e4e6ee;background:#fff;font:500 16px var(--font);color:var(--ink);outline:0}
.bl-nl input:focus{border-color:var(--g1)}
.bl-nl input.bad{border-color:#e04848}
.bl-nl .bl-btn-grad{width:100%;margin-top:12px}
.bl-nl-msg{font-size:14px;font-weight:600;margin-top:10px;min-height:0}
.bl-nl-msg.is-ok{color:#1a7f4b}.bl-nl-msg.is-err{color:#c43434}
.bl-nl.done input,.bl-nl.done label,.bl-nl.done .bl-btn-grad{display:none}
.bl-nl-m{display:none}

.bl-cta-wrap{position:sticky;top:var(--bl-top)}
.bl-cta{padding:26px;border-radius:22px;background:linear-gradient(180deg,var(--navy-1) 0%,var(--navy-3) 100%);color:#fff;box-shadow:0 24px 50px -24px rgba(13,17,32,.6)}
.bl-cta-e{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#f0a8f5}
.bl-cta-h{font-size:24px;line-height:1.2;font-weight:800;margin-top:10px}
.bl-cta ul{margin:18px 0 22px;padding:0;list-style:none;display:flex;flex-direction:column;gap:10px;font-size:15.5px;color:rgba(255,255,255,.9)}
.bl-cta li{display:flex;gap:10px;align-items:center}
.bl-cta li span{width:24px;height:24px;border-radius:50%;background:rgba(46,204,113,.18);display:grid;place-items:center;flex:none}
.bl-cta li svg{width:13px;height:13px;color:#3ddc84}
.bl-cta .bl-cta-btn{width:100%;padding:14px 20px;font-size:16px}
.bl-cta-wa{display:flex;justify-content:center;align-items:center;margin-top:12px;min-height:44px;color:#fff!important;font-weight:700;font-size:15px;border-radius:999px;border:1px solid rgba(255,255,255,.18);transition:background .2s}
.bl-cta-wa:hover{background:rgba(255,255,255,.08)}

/* ---------- Cards (related, index) ---------- */
.bl-related{max-width:1360px;margin:80px auto 0;padding:0 32px}
.bl-related>h2{font-size:30px;letter-spacing:-.02em;margin:0 0 24px}
.bl-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.bl-card{display:block;border:1px solid var(--bl-line);border-radius:20px;overflow:hidden;background:#fff;transition:box-shadow .2s,transform .2s}
.bl-card:hover{box-shadow:0 18px 40px -20px rgba(18,24,38,.25);transform:translateY(-2px)}
.bl-card-img{aspect-ratio:16/9}
.bl-card-img img{width:100%;height:100%;object-fit:cover;display:block}
.bl-card-b{padding:20px}
.bl-card-c{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#b23ec2}
.bl-card h3{font-size:19px;font-weight:800;line-height:1.3;margin:8px 0 0}
.bl-card-m{font-size:14px;color:var(--muted);margin-top:10px}

/* ---------- Blog index / archives ---------- */
.bl-list-h{max-width:1360px;margin:0 auto;padding:40px 32px 0}
.bl-list-h .bl-label{display:block;margin:22px 0 8px}
.bl-list-h h1{font-size:46px;line-height:1.1;letter-spacing:-.03em;margin:0}
.bl-list-h>p{font-size:18px;color:var(--ink-2);margin:12px 0 0;max-width:680px;line-height:1.6}
.bl-list-author{display:flex;gap:20px;align-items:center;margin-top:10px}
.bl-list-author .bl-label{margin-top:0}
.bl-cats{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.bl-cats a{display:inline-flex;align-items:center;min-height:42px;padding:0 18px;border-radius:999px;border:1px solid var(--bl-line);font-weight:600;font-size:15px;color:var(--ink-2)}
.bl-cats a:hover{border-color:var(--g1);color:var(--g1)}
.bl-cats a.on{background:var(--navy-2);border-color:var(--navy-2);color:#fff}
.bl-list-grid{margin-top:36px}
.bl-empty{font-size:18px;color:var(--muted)}
.bl-pages{margin-top:36px}
.bl-pages .nav-links{display:flex;gap:8px;justify-content:center;flex-wrap:wrap}
.bl-pages .page-numbers{min-width:44px;height:44px;padding:0 12px;border-radius:999px;display:grid;place-items:center;border:1px solid var(--bl-line);font-weight:700}
.bl-pages .page-numbers.current{background:var(--g1);border-color:var(--g1);color:#fff}

/* Mobile bottom bar */
.bl-bar{display:none}

/* ---------- Tablet ---------- */
@media (max-width:1180px){
  .bl-layout{grid-template-columns:minmax(0,1fr) 300px}
  .bl-toc-col{display:none}
  .bl-toc-m{display:block;margin-top:24px}
}

/* ---------- Phone ---------- */
@media (max-width:860px){
  .bl-layout{grid-template-columns:minmax(0,1fr);padding:16px 18px 0;gap:0}
  .bl-side-col{display:none}
  .bl-title{font-size:30px;line-height:1.15}
  .bl-chip{margin-top:14px;font-size:12px}
  .bl-meta{flex-direction:column;align-items:flex-start;gap:12px;padding:14px 16px;margin-top:18px}
  .bl-meta-sep{display:none}
  .bl-av{width:38px;height:38px;font-size:14px}
  .bl-av-lg{width:60px;height:60px;font-size:20px}
  .bl-meta-v{font-size:15px}
  .bl-meta-d{flex-direction:row;flex-wrap:wrap;gap:4px;align-items:baseline;width:100%;border-top:1px solid var(--bl-line);padding-top:10px}
  .bl-meta-d .bl-meta-k{font-size:14px}
  .bl-meta-d .bl-meta-v{font-size:14px}
  .bl-meta-rt{display:inline;font-size:14px;color:var(--muted)}
  .bl-share-m{display:flex;margin-top:14px;gap:8px}
  .bl-share-m .sh-wa{background:#e9f9ef;color:#1a9c5b}
  .bl-hero{margin-top:18px;border-radius:18px}
  .bl-toc-m{margin-top:18px}
  .bl-kt{margin-top:18px;padding:22px 18px;border-radius:18px}
  .bl-kt h2{font-size:19px}
  .bl-kt li{font-size:16px}
  .bl-prose{margin-top:24px;font-size:17px;line-height:1.7}
  .bl-prose h2{font-size:24px;margin:36px 0 12px}
  .bl-prose h3{font-size:19px;margin:22px 0 8px}
  .bl-prose table{min-width:520px;font-size:15px}
  .bl-prose .bl-read{flex-wrap:wrap;gap:4px 12px}
  .bl-prose .bl-read svg{display:none}
  .bl-midcta{padding:22px 20px}
  .bl-midcta-t strong{font-size:20px}
  .bl-midcta .bl-btn-grad{width:100%}
  .bl-author{padding:20px;margin-top:32px;gap:14px}
  .bl-nl-m{display:block;margin-top:20px}
  .bl-related{padding:0 18px;margin-top:48px}
  .bl-related>h2{font-size:24px}
  .bl-grid{grid-template-columns:minmax(0,1fr);gap:14px}
  .bl-list-h{padding:24px 18px 0}
  .bl-list-h h1{font-size:32px}
  .bl-cats{flex-wrap:nowrap;overflow-x:auto;margin-right:-18px;padding-right:18px;scrollbar-width:none}
  .bl-cats a{flex:none}
  body.single-post{padding-bottom:78px}
  .bl-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;gap:10px;align-items:center;padding:10px 14px calc(12px + env(safe-area-inset-bottom));background:#fff;box-shadow:0 -10px 24px -12px rgba(18,24,38,.25)}
  .bl-bar .btn{flex:1;min-height:50px;padding:0 16px;font-size:16px}
  .bl-bar-wa{width:50px;height:50px;flex:none;border-radius:50%;background:#25d366;display:grid;place-items:center}
  .bl-bar-wa svg{width:24px;height:24px}
}

/* Mobile TOC (collapsible) */
.bl-toc-m{border:1px solid var(--bl-tint-b);border-radius:16px;background:#faf9ff;padding:0 16px}
@media (min-width:1181px){.bl-toc-m{display:none}}
.bl-toc-m summary{list-style:none;cursor:pointer;min-height:52px;display:flex;align-items:center;justify-content:space-between;font-weight:800;font-size:16px}
.bl-toc-m summary::-webkit-details-marker{display:none}
.bl-toc-m summary>span{display:flex;align-items:center;gap:10px}
.bl-toc-m summary svg{width:18px;height:18px;color:var(--g1)}
.bl-toc-m .bl-chev{transition:transform .2s}
.bl-toc-m[open] .bl-chev{transform:rotate(180deg)}
.bl-toc-m nav{display:flex;flex-direction:column;padding-bottom:12px}
.bl-toc-m nav a{padding:10px 0;color:var(--ink-2);font-size:15px;border-top:1px solid var(--bl-line)}