/* System fonts and local assets keep this site self-contained. */
:root{--ink:#263039;--muted:#6d777c;--paper:#fff9f4;--panel:#fff;--accent:#e36c54;--accent2:#e9b950;--line:#eedfd8;--radius:22px;--shadow:0 18px 48px #743e2a12;}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.6}a{color:inherit}button,input{font:inherit}button:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid var(--accent);outline-offset:3px}.notice{display:flex;justify-content:space-between;gap:20px;padding:9px max(5vw,20px);background:var(--ink);color:#fff;font-size:.78rem;letter-spacing:.03em}.site-header{position:sticky;top:0;z-index:20;background:color-mix(in srgb,var(--paper) 94%,transparent);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.head-inner{max-width:1220px;margin:auto;padding:16px 28px;display:flex;align-items:center;gap:28px;justify-content:space-between}.wordmark{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;letter-spacing:-.04em}.mark{display:grid;place-items:center;width:36px;height:36px;background:var(--accent);color:white;border-radius:12px;font-size:1rem}.nav{display:flex;align-items:center;gap:24px}.nav a,.foot-bottom a{text-decoration:none;color:var(--muted);font-size:.9rem}.nav a:hover,.foot-bottom a:hover{color:var(--accent)}.head-cta,.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:12px 18px;text-decoration:none;font-weight:700;border-radius:var(--radius);transition:transform .18s ease,box-shadow .18s ease}.head-cta{font-size:.88rem;background:var(--panel)}.button:hover,.head-cta:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.button-primary{background:var(--accent);color:#fff;border:0}.button-secondary{background:var(--ink);color:#fff}.menu-toggle{display:none;border:0;background:transparent;padding:8px;cursor:pointer}.menu-toggle span{display:block;width:23px;height:2px;background:var(--ink);margin:5px}.hero{max-width:1220px;margin:0 auto;padding:68px 28px 46px;display:grid;grid-template-columns:1fr .92fr;gap:6vw;align-items:center;min-height:570px}.eyebrow{margin:0 0 14px;text-transform:uppercase;letter-spacing:.14em;font-size:.73rem;font-weight:800;color:var(--accent)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(2.7rem,5.5vw,5.3rem);line-height:.99;letter-spacing:-.065em;max-width:720px;margin-bottom:24px}h2{font-size:clamp(1.8rem,3vw,3rem);line-height:1.08;letter-spacing:-.045em;margin-bottom:18px}h3{font-size:1.22rem;line-height:1.22;letter-spacing:-.02em}.hero-lede{font-size:1.12rem;line-height:1.7;color:var(--muted);max-width:620px}.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:22px;margin-top:28px}.text-link,.arrow-link{font-weight:700;text-decoration:none;color:var(--ink)}.text-link span,.arrow-link span{color:var(--accent)}.hero-disclosure{font-size:.78rem;color:var(--muted);max-width:500px;margin-top:24px}.hero-media{position:relative;min-width:0}.hero-media img{display:block;width:100%;aspect-ratio:1.35;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow)}.image-caption{position:absolute;right:14px;bottom:14px;background:var(--paper);padding:8px 12px;border-radius:999px;font-size:.75rem;font-weight:700}.intro-strip{margin:0 auto;max-width:1164px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:20px;padding:22px 26px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.intro-strip p{margin:0;color:var(--muted)}.intro-strip a{font-weight:700;text-decoration:none;white-space:nowrap}.strip-mark{color:var(--accent);font-size:1.5rem}.section{max-width:1164px;margin:0 auto;padding:88px 28px}.section-heading{max-width:720px;margin-bottom:34px}.section-heading>p:not(.eyebrow){color:var(--muted);font-size:1.05rem}.fact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.fact-card{background:var(--panel);padding:25px;border-radius:var(--radius);min-height:160px}.fact-card span{font-size:.75rem;color:var(--accent);font-weight:800;text-transform:uppercase;letter-spacing:.09em}.fact-card h3{margin:30px 0 0;font-size:1.35rem}.arrow-link{display:inline-block;margin-top:28px}.split-callout{background:var(--ink);color:#fff;max-width:none;padding-left:max(calc((100vw - 1108px)/2),40px);padding-right:max(calc((100vw - 1108px)/2),40px);display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:40px}.split-callout p:not(.eyebrow){color:#d1d7d1;max-width:600px}.split-callout .eyebrow{color:var(--accent2)}.mini-visual{height:210px;position:relative;display:grid;place-items:center;border:1px solid color-mix(in srgb,var(--accent2) 40%,transparent);border-radius:var(--radius);background:color-mix(in srgb,var(--accent) 14%,var(--ink))}.visual-ring{width:145px;height:145px;border-radius:50%;border:18px solid var(--accent2);border-left-color:var(--accent);transform:rotate(-28deg)}.visual-chip{position:absolute;background:var(--paper);color:var(--ink);padding:12px 17px;border-radius:999px;font-weight:800}.visual-line{position:absolute;width:64%;height:1px;background:var(--accent2);transform:rotate(-14deg)}.link-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.link-card{position:relative;padding:26px 26px 48px;background:var(--panel);border-radius:var(--radius);text-decoration:none;border:1px solid var(--line);transition:transform .2s}.link-card:hover{transform:translateY(-4px)}.link-card>span{color:var(--accent);font-size:.78rem;font-weight:800}.link-card h3{margin-top:24px}.link-card p{color:var(--muted);font-size:.94rem}.link-card>b{position:absolute;right:24px;bottom:20px;color:var(--accent)}.source-box{max-width:1108px;margin:0 auto 75px;padding:20px 28px;background:var(--panel);border-radius:var(--radius)}.source-box h2{font-size:1rem;letter-spacing:0}.source-box ul{display:flex;flex-wrap:wrap;gap:10px 25px;margin:0;padding:0;list-style:none}.source-box a{font-size:.88rem;color:var(--muted)}.footer{background:#101914;color:#fff;padding:42px max(5vw,24px) 20px}.foot-top,.foot-bottom{max-width:1164px;margin:auto;display:flex;justify-content:space-between;gap:35px;align-items:flex-start}.foot-brand{color:#fff}.foot-top p,.foot-contact small{color:#c2cbc2;font-size:.86rem}.foot-contact{display:grid;gap:5px;text-align:right}.foot-contact a{color:#fff}.foot-bottom{border-top:1px solid #384039;margin-top:32px;padding-top:17px;font-size:.79rem;color:#c2cbc2;align-items:center}.foot-bottom div{display:flex;gap:15px;flex-wrap:wrap}.foot-bottom a{font-size:.79rem;color:#c2cbc2}.inner-page{max-width:1108px;margin:0 auto;padding:72px 28px 20px}.page-intro{max-width:820px;margin-bottom:48px}.page-intro h1{font-size:clamp(2.5rem,5vw,4.7rem)}.article-layout{display:grid;grid-template-columns:1.4fr .72fr;gap:40px;align-items:start}.prose{max-width:750px}.prose h2{font-size:1.7rem;margin-top:38px}.prose p{color:var(--muted);font-size:1.02rem;line-height:1.8}.side-card{background:var(--ink);color:#fff;padding:26px;border-radius:var(--radius)}.side-card h2{font-size:1.7rem}.side-card dl{margin:25px 0 0}.side-card dl div{display:flex;justify-content:space-between;gap:10px;padding:12px 0;border-top:1px solid #ffffff33}.side-card dt{color:#c2cbc2}.side-card dd{margin:0;font-weight:700;text-align:right}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:16px;padding-top:45px;padding-bottom:55px}.comparison-card{padding:30px;border-radius:var(--radius);background:var(--panel)}.comparison-card h2{font-size:1.5rem}.comparison-card ul{list-style:none;padding:0;margin:0}.comparison-card li{display:flex;gap:12px;padding:12px 0;border-top:1px solid var(--line);color:var(--muted)}.comparison-card li span{font-weight:800;color:var(--accent)}.comparison-card.muted{background:color-mix(in srgb,var(--panel) 55%,var(--paper))}.calculator-wrap{padding:30px;background:var(--panel);border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}.calc-header{display:flex;align-items:start;justify-content:space-between;gap:20px;margin-bottom:20px}.calc-header h2{font-size:1.8rem}.calc-currency{font-weight:800;color:var(--accent);font-size:1.25rem}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.calc-grid label{display:grid;gap:7px;color:var(--muted);font-size:.86rem;font-weight:700}.calc-grid input{width:100%;padding:13px;border:1px solid var(--line);background:var(--paper);color:var(--ink);border-radius:10px}.calc-submit{margin:20px 0}.calc-result{display:block;padding:18px;background:var(--ink);color:#fff;border-radius:12px;font-weight:700;min-height:58px}.small-note{margin:14px 0 0;color:var(--muted);font-size:.79rem}.reading-section{padding-top:76px}.steps-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 28px}.steps-list li{display:grid;grid-template-columns:45px 1fr;gap:14px;padding:20px 0;border-top:1px solid var(--line)}.steps-list li span{font-size:.85rem;font-weight:800;color:var(--accent)}.steps-list li p{margin:0;color:var(--muted)}.notice-card,.publisher-needed{margin:34px 0;padding:22px 25px;border-left:4px solid var(--accent);background:var(--panel);border-radius:0 var(--radius) var(--radius) 0}.notice-card p,.publisher-needed p{margin:5px 0 0;color:var(--muted)}.cost-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px;padding-top:0}.cost-card{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:var(--panel)}.cost-card span{color:var(--accent);font-weight:800}.cost-card h2{font-size:1.45rem;margin-top:22px}.cost-card p{color:var(--muted)}.callout-band{margin:20px 28px 65px;padding:32px;background:var(--ink);color:#fff;border-radius:var(--radius);display:flex;align-items:center;justify-content:space-between;gap:30px}.callout-band p:not(.eyebrow){color:#d1d7d1;max-width:700px}.callout-band .eyebrow{color:var(--accent2)}.callout-band h2{font-size:2rem}.method-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;padding-top:10px}.method-grid article{padding:26px;background:var(--panel);border-radius:var(--radius)}.method-num{font-weight:800;color:var(--accent)}.method-grid h2{margin-top:30px;font-size:1.35rem}.method-grid p{color:var(--muted);font-size:.94rem}.contact-panel{max-width:720px;padding:38px;background:var(--panel);border-radius:var(--radius);border:1px solid var(--line)}.contact-icon{display:grid;place-items:center;width:50px;height:50px;background:var(--accent);color:white;border-radius:50%;font-size:1.4rem;margin-bottom:24px}.contact-panel h2{font-size:2rem}.contact-email{font-size:1.25rem;color:var(--accent);font-weight:800}.contact-panel p:not(.eyebrow){margin:18px 0;color:var(--muted)}.legal-page .prose{max-width:820px}.not-found{max-width:1000px;margin:0 auto;padding:110px 30px 140px}.error-mark{font-size:clamp(5rem,15vw,11rem);font-weight:800;letter-spacing:-.1em;color:var(--accent);line-height:1}.not-found h1{font-size:clamp(2.4rem,5vw,4rem);margin:15px 0}.not-found p:not(.eyebrow){color:var(--muted)}
.theme-ynab{background:#101723;color:#eff4fc}.theme-ynab .notice{background:#263a58}.theme-ynab .site-header{background:rgba(16,23,35,.95)}.theme-ynab .nav a,.theme-ynab .hero-lede,.theme-ynab .hero-disclosure,.theme-ynab .intro-strip p,.theme-ynab .section-heading>p:not(.eyebrow),.theme-ynab .link-card p,.theme-ynab .prose p,.theme-ynab .comparison-card li,.theme-ynab .steps-list li p,.theme-ynab .cost-card p,.theme-ynab .method-grid p,.theme-ynab .contact-panel p,.theme-ynab .notice-card p,.theme-ynab .publisher-needed p{color:#b8c6d8}.theme-ynab .head-cta,.theme-ynab .fact-card,.theme-ynab .link-card,.theme-ynab .calculator-wrap,.theme-ynab .comparison-card,.theme-ynab .cost-card,.theme-ynab .method-grid article,.theme-ynab .contact-panel,.theme-ynab .publisher-needed,.theme-ynab .source-box{background:#1a2636;border-color:#2d3d52}.theme-ynab .head-cta,.theme-ynab .wordmark,.theme-ynab .text-link,.theme-ynab .arrow-link{color:#eff4fc}.theme-ynab .split-callout,.theme-ynab .calc-result,.theme-ynab .side-card{background:#223656}.theme-ynab .calc-grid input{background:#101723;color:#fff;border-color:#34465c}.theme-ynab .intro-strip,.theme-ynab .foot-bottom,.theme-ynab .steps-list li{border-color:#304158}.theme-ynab .notice-card,.theme-ynab .publisher-needed{background:#1a2636}
.theme-goodbudget h1,.theme-goodbudget h2,.theme-goodbudget h3{font-family:Georgia,serif;letter-spacing:-.035em}.theme-goodbudget .mark{border-radius:4px 14px 4px 14px}.theme-goodbudget .hero-media img{border-radius:4px 45px 4px 45px}.theme-goodbudget .fact-card:nth-child(2){transform:translateY(15px)}.theme-goodbudget .link-card:nth-child(2){border-style:dashed}
.theme-spendee .hero{grid-template-columns:.95fr 1.05fr}.theme-spendee .hero-media img{border-radius:45% 45% 18px 18px;aspect-ratio:1.05}.theme-spendee .fact-card{border-radius:999px 999px 18px 18px;text-align:center;padding-top:35px}.theme-spendee .fact-card h3{margin-top:22px}.theme-spendee .mark{border-radius:50%}
.theme-dyme .hero{grid-template-columns:1.08fr .92fr}.theme-dyme .hero h1{font-weight:650;letter-spacing:-.075em}.theme-dyme .hero-media img{aspect-ratio:1.18;border-radius:150px 18px 150px 18px}.theme-dyme .intro-strip{border:0;background:var(--panel);border-radius:var(--radius);margin-top:20px}.theme-dyme .fact-card{border-left:4px solid var(--accent);border-radius:4px 20px 20px 4px}
.theme-buddy .hero{background:radial-gradient(circle at 90% 15%, color-mix(in srgb,var(--accent2) 23%,var(--paper)), transparent 33%)}.theme-buddy .hero-media img{border-radius:35px 35px 120px 35px;aspect-ratio:1.22}.theme-buddy .button-primary{border-radius:999px}.theme-buddy .fact-card{border-radius:26px 26px 4px 26px}.theme-buddy .mini-visual{border-radius:50% 50% 18px 18px}
.theme-monefy .hero-media img{border-radius:28px}.theme-monefy .intro-strip{background:var(--panel);border:0;border-radius:16px}.theme-monefy .fact-card{box-shadow:0 12px 34px #22332812}
@media(max-width:900px){.head-inner{gap:14px;padding:14px 20px}.nav{gap:14px}.head-cta{display:none}.hero{grid-template-columns:1fr 1fr;gap:28px;padding-top:46px;min-height:auto}.split-callout{padding-left:32px;padding-right:32px}.inner-page{padding-top:50px}}
@media(max-width:700px){.notice{padding:8px 16px;font-size:.7rem}.head-inner{padding:13px 16px}.menu-toggle{display:block;order:3}.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);padding:15px 20px 22px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav.is-open{display:flex}.theme-ynab .nav{background:#101723}.nav a{padding:8px 3px}.hero{grid-template-columns:1fr;padding:38px 20px 30px;gap:27px}.hero h1{font-size:clamp(2.75rem,13vw,4.4rem)}.hero-media{grid-row:1}.hero-media img{aspect-ratio:1.3!important;border-radius:var(--radius)!important}.hero-actions{gap:16px}.intro-strip{margin:0 16px;grid-template-columns:auto 1fr;gap:10px;padding:17px 4px}.intro-strip a{grid-column:2}.section{padding:62px 20px}.fact-grid,.link-cards,.method-grid{grid-template-columns:1fr}.fact-card:nth-child(2){transform:none}.split-callout{grid-template-columns:1fr;padding:38px 22px}.mini-visual{height:150px}.source-box{margin:0 16px 45px;padding:20px}.foot-top,.foot-bottom{flex-direction:column;padding:0 6px}.foot-contact{text-align:left}.foot-bottom div{gap:12px}.article-layout{grid-template-columns:1fr}.inner-page{padding:42px 20px 12px}.comparison,.cost-grid{grid-template-columns:1fr;padding-left:0;padding-right:0}.calc-grid{grid-template-columns:1fr 1fr}.steps-list{grid-template-columns:1fr}.callout-band{margin:10px 20px 45px;display:grid}.callout-band .button{justify-self:start}.hero-media .image-caption{font-size:.65rem}.not-found{padding:80px 22px 100px}}
@media(max-width:420px){.calc-grid{grid-template-columns:1fr}.button{width:100%}.hero-actions .text-link{padding-left:2px}.image-caption{max-width:80%;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}