/* ============================================================
   DuitnSen — shared stylesheet
   Identity: a Malaysian saver's ledger, made for compounding.
   Display: Fraunces  ·  Body: IBM Plex Sans  ·  Data: IBM Plex Mono
   ============================================================ */

:root {
  --ink:      #143028;   /* deep pine ink — text & dark surfaces   */
  --ink-2:    #1d4438;   /* raised dark surface                     */
  --paper:    #eceee8;   /* cool pale paper — page background       */
  --card:     #f8f9f5;   /* lighter card surface                    */
  --line:     #d4d8cf;   /* hairline borders                        */
  --line-ink: rgba(255,255,255,.14);

  --grow:     #1f7a5a;   /* money green — all-world, primary accent */
  --grow-dk:  #165640;
  --gold:     #b8902f;   /* gold — "duit", emphasis                 */
  --sp:       #3f6ea5;   /* blue — S&P 500 in diagrams              */
  --crash:    #b24a36;   /* clay — Nasdaq / drawdown / crash data   */

  --tx:       #25342e;   /* body text on paper                      */
  --tx-soft:  #5a675f;   /* muted text                              */
  --tx-faint: #8a948c;

  --display: "Fraunces", Georgia, serif;
  --body:    "IBM Plex Sans", system-ui, -apple-system, sans-serif;
  --mono:    "IBM Plex Mono", ui-monospace, "SF Mono", Menlo, monospace;

  --maxw: 760px;        /* reading column                          */
  --wide: 1080px;       /* full content shell                      */

  --r:  14px;
  --r-s: 9px;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}
body {
  margin: 0;
  font-family: var(--body);
  background: var(--paper);
  color: var(--tx);
  font-size: 18px;
  line-height: 1.66;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--grow-dk); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--gold); }
::selection { background: var(--gold); color: #fff; }

/* ---------- skip link ---------- */
.skip {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 0 0 8px 0;
}
.skip:focus { left: 0; }

/* ============================================================
   TOP NAV  (sticky, anchor links)
   ============================================================ */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(20,48,40,.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line-ink);
  color: #eef2ec;
}
.nav-inner {
  max-width: var(--wide); margin: 0 auto;
  display: flex; align-items: center; gap: 18px;
  padding: 11px 22px;
}
.brand {
  font-family: var(--display);
  font-weight: 600; font-size: 1.18rem; letter-spacing: -.01em;
  color: #fff; text-decoration: none; white-space: nowrap;
  display: inline-flex; align-items: baseline; gap: 2px;
}
.brand .sen { color: var(--gold); }
.brand:hover { color: #fff; }
.nav-links {
  margin-left: auto;
  display: flex; gap: 4px; overflow-x: auto;
  scrollbar-width: none;
}
.nav-links::-webkit-scrollbar { display: none; }
.nav-links a {
  font-family: var(--mono);
  font-size: .74rem; letter-spacing: .02em; text-transform: uppercase;
  color: #b9c9bf; text-decoration: none; white-space: nowrap;
  padding: 6px 10px; border-radius: 7px;
  transition: background .15s, color .15s;
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,.07); }
.nav-links a.active { color: var(--ink); background: var(--gold); }

/* ============================================================
   LAYOUT SHELLS
   ============================================================ */
.shell { max-width: var(--wide); margin: 0 auto; padding: 0 22px; }
.read  { max-width: var(--maxw); margin-inline: auto; }

section[id] { scroll-margin-top: 76px; }

.section { padding: 68px 0; border-top: 1px solid var(--line); }
.section:first-of-type { border-top: 0; }

.eyebrow {
  font-family: var(--mono);
  font-size: .72rem; font-weight: 500;
  letter-spacing: .16em; text-transform: uppercase;
  color: var(--grow-dk);
  display: inline-flex; align-items: center; gap: 9px;
  margin: 0 0 14px;
}
.eyebrow::before {
  content: ""; width: 22px; height: 2px; background: var(--gold); display: inline-block;
}

h1, h2, h3, h4 { font-family: var(--display); color: var(--ink); line-height: 1.12; font-weight: 500; }
h2 { font-size: clamp(1.7rem, 4.2vw, 2.5rem); letter-spacing: -.015em; margin: 0 0 .5em; }
h3 { font-size: 1.32rem; letter-spacing: -.01em; margin: 1.8em 0 .4em; }
h2 em, h1 em { font-style: italic; color: var(--grow); font-weight: 500; }

.section p { margin: 0 0 1.1em; }
.lede { font-size: 1.18rem; color: var(--tx-soft); }
.muted { color: var(--tx-soft); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: var(--ink);
  color: #eaf0ec;
  position: relative; overflow: hidden;
}
.hero::after {  /* faint ledger ruling */
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 100% 34px;
  mask-image: linear-gradient(180deg, transparent, #000 30%, #000 70%, transparent);
}
.hero-inner { position: relative; z-index: 1; padding: 60px 0 64px; }
.hero .eyebrow { color: var(--gold); }
.hero .eyebrow::before { background: var(--gold); }
.hero h1 {
  color: #fff;
  font-size: clamp(2.3rem, 6.4vw, 4.1rem);
  letter-spacing: -.02em; margin: 0 0 .35em;
}
.hero h1 em { color: var(--gold); }
.hero-sub { font-size: 1.2rem; color: #c4d2c9; max-width: 40ch; margin: 0 0 1.6em; }

.chip {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--mono); font-size: .74rem; letter-spacing: .03em;
  background: rgba(255,255,255,.07); border: 1px solid var(--line-ink);
  color: #cdd9d0; padding: 7px 13px; border-radius: 999px;
}
.chip .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--grow); box-shadow: 0 0 0 3px rgba(31,122,90,.25); }

/* thesis one-liner band */
.thesis {
  border: 1px solid var(--line-ink);
  background: linear-gradient(180deg, rgba(255,255,255,.04), rgba(255,255,255,.01));
  border-radius: var(--r);
  padding: 22px 24px; margin-top: 30px;
}
.thesis .k { font-family: var(--mono); font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.thesis p { font-family: var(--display); font-size: 1.28rem; line-height: 1.4; color: #f1f5f1; margin: 6px 0 0; }

.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--mono); font-size: .82rem; letter-spacing: .02em;
  background: var(--gold); color: var(--ink); font-weight: 600;
  padding: 12px 20px; border-radius: 999px; text-decoration: none;
  transition: transform .15s, box-shadow .15s;
}
.btn:hover { color: var(--ink); transform: translateY(-1px); box-shadow: 0 8px 22px rgba(184,144,47,.3); }
.btn.ghost { background: transparent; color: #eaf0ec; border: 1px solid var(--line-ink); }
.btn.ghost:hover { background: rgba(255,255,255,.06); color: #fff; }

/* ============================================================
   SUMMARY CARDS  (numbered takeaways)
   ============================================================ */
.cards { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(230px,1fr)); }
.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--r); padding: 22px 22px 24px;
  position: relative;
}
.card .num {
  font-family: var(--mono); font-size: .76rem; color: var(--gold);
  letter-spacing: .1em;
}
.card h3 { margin: .35em 0 .3em; font-size: 1.12rem; }
.card p { font-size: .96rem; color: var(--tx-soft); margin: 0; line-height: 1.55; }

/* ============================================================
   TABLES / FACTSHEETS
   ============================================================ */
.tbl-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); background: var(--card); margin: 1.4em 0; }
table { width: 100%; border-collapse: collapse; font-size: .92rem; }
caption { text-align: left; font-family: var(--mono); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--tx-faint); padding: 14px 16px 0; }
th, td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th {
  font-family: var(--mono); font-size: .72rem; letter-spacing: .05em; text-transform: uppercase;
  color: var(--tx-soft); background: rgba(20,48,40,.04); font-weight: 500;
}
tbody tr:last-child td { border-bottom: 0; }
td .tk, .tk { font-family: var(--mono); font-weight: 600; color: var(--ink); }
.num-cell { font-family: var(--mono); font-variant-numeric: tabular-nums; }
.hl { background: rgba(184,144,47,.1); }

/* small inline ticker pill */
.ticker {
  font-family: var(--mono); font-weight: 600; font-size: .9em;
  background: rgba(31,122,90,.1); color: var(--grow-dk);
  padding: 1px 7px; border-radius: 5px; white-space: nowrap;
}

/* ============================================================
   CALLOUTS
   ============================================================ */
.callout {
  border-left: 3px solid var(--gold);
  background: var(--card); border-radius: 0 var(--r-s) var(--r-s) 0;
  padding: 18px 20px; margin: 1.5em 0;
}
.callout .label { font-family: var(--mono); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); display:block; margin-bottom: 5px; }
.callout.grow { border-color: var(--grow); }
.callout.grow .label { color: var(--grow-dk); }
.callout.crash { border-color: var(--crash); }
.callout.crash .label { color: var(--crash); }
.callout p:last-child { margin-bottom: 0; }

.pull {
  font-family: var(--display); font-size: clamp(1.4rem, 3.6vw, 1.9rem);
  line-height: 1.34; color: var(--ink); font-style: italic;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  padding: 28px 0; margin: 1.8em 0;
}
.pull b { font-style: normal; color: var(--grow); font-weight: 500; }

/* ============================================================
   TWO-UP COMPARISON  (e.g. VWRA vs FWRA, Acc vs Dist)
   ============================================================ */
.duo { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; margin: 1.4em 0; }
.duo > div {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 22px;
}
.duo h4 { margin: 0 0 .5em; font-size: 1.1rem; }
.duo .tag { font-family: var(--mono); font-size: .7rem; letter-spacing: .08em; text-transform: uppercase; padding: 3px 9px; border-radius: 999px; display: inline-block; margin-bottom: 10px; }
.tag.green { background: rgba(31,122,90,.12); color: var(--grow-dk); }
.tag.gold  { background: rgba(184,144,47,.15); color: var(--gold); }
.tag.blue  { background: rgba(63,110,165,.14); color: var(--sp); }
.duo p { font-size: .95rem; margin: 0; color: var(--tx-soft); }
@media (max-width: 620px){ .duo { grid-template-columns: 1fr; } }

/* ============================================================
   ACCORDION  (FAQ / glossary)
   ============================================================ */
.acc { border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; background: var(--card); }
.acc details { border-bottom: 1px solid var(--line); }
.acc details:last-child { border-bottom: 0; }
.acc summary {
  cursor: pointer; list-style: none; padding: 17px 20px;
  font-family: var(--display); font-size: 1.05rem; color: var(--ink);
  display: flex; align-items: center; gap: 14px;
  transition: background .15s;
}
.acc summary::-webkit-details-marker { display: none; }
.acc summary:hover { background: rgba(20,48,40,.03); }
.acc summary::after {
  content: "+"; margin-left: auto; font-family: var(--mono);
  color: var(--gold); font-size: 1.3rem; line-height: 1; transition: transform .2s;
}
.acc details[open] summary::after { content: "\2212"; }
.acc .body { padding: 0 20px 20px; color: var(--tx-soft); font-size: .96rem; }
.acc .body p:first-child { margin-top: 0; }
.acc .body p:last-child { margin-bottom: 0; }

/* ============================================================
   DIAGRAM CAPTIONS
   ============================================================ */
figure { margin: 1.6em 0; }
figure svg { margin-inline: auto; }
figcaption { font-size: .86rem; color: var(--tx-faint); font-style: italic; text-align: center; margin-top: 12px; }
.legend { display: flex; flex-wrap: wrap; gap: 14px 22px; justify-content: center; margin-top: 14px; font-family: var(--mono); font-size: .76rem; color: var(--tx-soft); }
.legend span { display: inline-flex; align-items: center; gap: 7px; }
.legend i { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }

/* ============================================================
   DISCLAIMER + FOOTER
   ============================================================ */
.disclaimer {
  background: rgba(178,74,54,.06); border: 1px solid rgba(178,74,54,.25);
  border-radius: var(--r); padding: 18px 20px; font-size: .9rem; color: #74463c;
  margin: 1.5em 0;
}
.disclaimer b { color: var(--crash); }

.foot { background: var(--ink); color: #b9c9bf; padding: 52px 0 40px; }
.foot h3 { color: #fff; font-size: 1.4rem; margin: 0 0 .3em; }
.foot p { font-size: .92rem; max-width: 56ch; }
.foot a { color: var(--gold); }
.foot-row { display: flex; flex-wrap: wrap; gap: 8px 22px; align-items: center; margin-top: 22px; font-family: var(--mono); font-size: .78rem; }
.foot-row .sep { color: var(--line-ink); }
.handle { color: var(--gold); }

/* ---------- scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- responsive ---------- */
@media (max-width: 600px){
  body { font-size: 17px; }
  .section { padding: 52px 0; }
  .hero-inner { padding: 44px 0 48px; }
  .nav-links { gap: 2px; }
}