/* Globals */
html,body,div,span,object,iframe,h1,h2,h3,h4,h5,h6,p,blockquote,pre,a,abbr,acronym,address,code,del,dfn,em,img,q,dl,dt,dd,ol,ul,li,fieldset,form,label,legend,table,caption,tbody,tfoot,thead,tr,th,td {
    margin: 0;
    padding: 0;
    border: 0;
    font-weight: inherit;
    font-style: inherit;
    font-size: 100%;
    font-family: inherit;
    vertical-align: baseline
}

html,body {
    font-family: 'Poppins',sans-serif;
    color: #30302F;
    font-size: 1em;
    line-height: 2em;
    margin: 0;
    width: 100%;
    padding: 0
}

body {
    width: 100%;
    font-family: 'Poppins', Arial, sans-serif;
    line-height: 1.6;
    margin: 0;
    padding: 0;
    color: #333;
    -webkit-font-smoothing: antialiased;
}

header {
    position: fixed;
    left: 0;
    width: 100%;
    height: 56px;
    padding: 0;
    background-color: #333;
    color: #fff;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);
}

header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

a {
    color: #fff;
    text-decoration: none;
}

a:hover {
    color: #0da8c4;
    text-decoration: underline
}


ol {
    margin-bottom: 1.5em;
}

table {
    width: 100%
}

table,td,th {
    border-collapse: collapse;
    border-spacing: 0;
    border: 2px solid #ddd;
    padding: 5px;
    margin: 40px auto;
    vertical-align: middle;
    font-size: 16px
}

caption,th,td {
    text-align: center;
    font-weight: 400
}

blockquote:before,blockquote:after,q:before,q:after {
    content: ""
}

blockquote,q {
    quotes: "" ""
}

span ul {
    list-style-type: square;
    margin: -1em 0em 2em 0em
}

a img {
    border: none
}

strong,b {
    font-weight: 600
}

em {
    font-style: italic
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0;
}

.logo h1 {
    margin: 0;
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: 1px;
    padding-left: 20px;
    margin-bottom: 10px;
}

nav {
    position: static;
    float: right;
}
nav ul {
    display: flex;
    list-style: none;
    margin: 0;
    padding: 0;
}

nav ul li {
    margin-left: 1.5rem;
}

nav ul li a {
    color: #fff;
    text-decoration: none;
    font-weight: 500;
    padding: 0.5rem 0;
    position: relative;
    /*margin: 0 0.75rem;*/
    transition: all 0.3s ease;
}

nav ul li a:after {
    content: '';
    position: absolute;
    width: 0;
    height: 2px;
    background: #0da8c4;
    bottom: 0;
    left: 0;
    transition: width 0.3s ease;
}

nav ul li a:hover:after {
    width: 100%;
}

p {
    margin: 0 0 1.5em 0;
    font-size: 1.13em;
    line-height: 1.7em;
    font-weight: 300
}

input {
    padding: 5px;
    font-size: 18px;
    color: #333
}

input:focus {
    outline: none
}

input[type="text"] {
    border: 0;
    box-shadow: 0 1px 2px 0 #ccc;
    -webkit-box-shadow: 0 1px 2px 0 #ccc;
    -moz-box-shadow: 0 1px 2px 0 #ccc;
    -webkit-appearance: none
}

input[type="email"] {
    border: 0
}

nav {
    float: right
}


nav li {
    list-style: none;
    font-size: 16px;
    font-weight: 700;
    display: inline;
    padding: 16px 0
}

nav li.active {
    border-bottom: 3px solid #3C9;
    padding-bottom: 13px
}

nav a {
    color: #fff;
    text-decoration: none;
    text-shadow: none;
    font-weight: 400;
    padding: 16px 15px
}

nav a:hover {
    text-decoration: none
}

nav li:hover #header_dropdown_income {
    color: #3C9;
    background-color: #F9F9FB
}

.hidden {
    display: none
}

footer {
    clear: both;
    padding: 20px 0 20px 0;
    margin: 0;
    position: relative;
    z-index: 0;
    text-align: center;
    background-color: #333;
    color: #fff;
}

footer a {
    font-weight: 400;
    color: #fff
}

footer .copyright {
    text-align: center;
    font-size: .7em
}

footer li {
    display: inline-block;
    text-transform: uppercase;
    font-weight: 800;
    padding: 5px 10px
}

footer li a {
    font-weight: 600
}

footer .featured_in_bar {
    opacity: .2
}

footer .featured_in_bar_container {
    background: #222
}


/* Hero section with responsive layout */
main {
    padding: 3rem 0;
}

.hero {
    text-align: center;
    margin-bottom: 3rem;
    padding: 2rem 0;
}

.hero-content {
    /* max-width: 800px; */
    margin: 0 auto;
}

.hero-content h1 {
    font-size: 2.8em;
    font-weight: 700;
    margin: 0 0 20px 0;
    line-height: 1.2;
    color: #222;
}

.hero-content .subtitle {
    margin-bottom: 30px;
    font-size: 1.2em;
    font-weight: 400;
    color: #242424;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

/* Enhanced newsletter form */
.newsletter-form {
    max-width: 500px;
    margin: auto;
    padding: 25px 0 0 0;
}

.newsletter-form label {
    font-size: 15px;
    color: #747474;
    display: block;
    margin-bottom: 12px;
    line-height: 1.4;
}

.newsletter-input {
    display: flex;
    box-shadow: 0 3px 10px rgba(0,0,0,0.1);
    border-radius: 6px;
    overflow: hidden;
}

.newsletter-form input[type="email"] {
    background: #fff;
    border: 2px solid #0da8c4;
    border-right: none;
    border-radius: 6px 0 0 6px;
    padding: 14px 18px;
    width: 70%;
    font-size: 16px;
    font-family: 'Poppins', sans-serif;
    outline: 0;
}

.newsletter-form button {
    border-radius: 0 6px 6px 0;
    border: none;
    padding: 0 26px;
    background: #0da8c4;
    color: #fff;
    font-weight: 600;
    font-size: 16px;
    cursor: pointer;
    transition: background .18s, transform .2s;
    flex-shrink: 0;
    width: 30%;
}

.newsletter-form button:hover { 
    background: #09b0d1;
}

/* Content section */
.content-section {
    padding: 3rem 0;
    background-color: #f9f9f9;
}

.section-heading {
    text-align: center;
    margin-bottom: 2rem;
}

.section-heading h2 {
    font-size: 2.2rem;
    color: #222;
    margin-bottom: 1rem;
}

.section-heading p {
    color: #666;
    max-width: 700px;
    margin: 0 auto;
}

/* Feature cards */
.features {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1rem;
    margin: 2rem 0;
}

.feature-card {
    flex: 1 1 300px;
    max-width: 350px;
    background: #fff;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 5px 15px rgba(0,0,0,0.08);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 25px rgba(0,0,0,0.12);
}

.feature-card .card-content {
    padding: 1.5rem;
}

.feature-card .icon {
    font-size: 2.5rem;
    color: #0da8c4;
    margin-bottom: 1rem;
}

.feature-card h3 {
    font-size: 1.4rem;
    margin-bottom: 0.8rem;
    color: #222;
}

.feature-card p {
    color: #666;
    font-size: 0.95rem;
}

/* Footer with better spacing */
.footer-links {
    margin-top: 1rem;
}

.footer-links a {
    color: #fff;
    margin: 0 0.5rem;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-links a:hover {
    color: #0da8c4;
}

.button-clear,.button-cta,.button-review,.button-subber,.button-subscribe-desktop,a.button-clear,a.button-cta,a.button-review,a.button-subber,a.button-subscribe-desktop {
    font-family: 'Poppins';
    font-weight: 600!important;
    border-radius: 4px;
    text-transform: uppercase;
    -webkit-font-smoothing: antialiased;
    box-shadow: none!important;
    padding: 10px;
    line-height: 1.7;
    display: inline-block;
    cursor: pointer
}

.button-clear.button-compare {
    margin-left: 10px;
    line-height: 1em;
    font-size: .8em;
    line-height: .6em;
}

a.button-sponsor {
    margin-top: 0;
    padding: 0 10px
}

button.button-home-subscribe {
    width: 100%;
    max-width: 200px;
    margin-top: 0;
    background: #3C9;
    border: 2px solid #33CC99!important;
    color: white!important;
    margin-bottom: 15px;
    font-size: 16px;
    padding: 8px
}

.button-review,.button-subscribe-desktop {
    background: #fff;
    border: 2px solid #33CC99!important;
    color: #33CC99!important
}

.button-cta,.button-subber {
    color: #fff!important;
    background: #3C9;
    border: 2px solid #33CC99!important;
    outline: none;
    font-size: 16px;
    width: 100%;
    max-width: 200px
}

.button-clear {
    color: #333;
    background: transparent
}

.button-clear {
    color: #333;
    background: #fff;
    border: 2px solid #333!important
}

.button-clear:before,.button-cta:before,.button-review:before {
    color: #EB655D!important;
    padding-left: 0;
    opacity: 0;
    display: inline;
    -webkit-transition: all 0.3s ease-in-out;
    -moz-transition: all 0.3s ease-in-out;
    -ms-transition: all 0.3s ease-in-out;
    -o-transition: all 0.3s ease-in-out;
    transition: all 0.3s ease-in-out
}

.button-review:before {
    color: #33CC99!important
}

.button-home-subscribe:before {
    color: #33CC99!important
}

.button-review:hover,.button-subscribe-desktop:hover {
    text-decoration: none
}

.button-cta:hover,.button-subber:hover {
    background: #fff;
    border: 2px solid #33CC99!important;
    color: #33CC99!important;
    text-decoration: none
}

button.button-home-subscribe:hover {
    border: 2px solid #33CC99!important;
    background: #fff;
    color: #33CC99!important;
    text-decoration: none;
    border-radius: 4px
}

.button-clear:hover {
    color: #fff!important;
    background: #333;
    border-color: #333!important;
    text-decoration: none
}

.button-clear:hover:before,.button-cta:hover:before,.button-review:hover:before {
    padding-right: 30px;
    opacity: 1
}

.button-cta.blue {
    background: #06A3CE;
    border: 2px solid #06A3CE!important
}

.button-cta.blue:hover {
    background: #fff;
    border: 2px solid #06A3CE!important;
    color: #06A3CE!important;
    text-decoration: none
}

.button-cta.red {
    background: #C93448;
    border: 2px solid #C93448!important
}

.button-cta.red:hover {
    background: #fff;
    border: 2px solid #C93448!important;
    color: #C93448!important;
    text-decoration: none
}

.button-cta.green {
    background: #3C9;
    border: 2px solid #33CC99!important
}

.button-cta.green:hover {
    background: #fff;
    border: 2px solid #33CC99!important;
    color: #33CC99!important;
    text-decoration: none
}

.button-cta.purple {
    background: #593196;
    border: 2px solid #593196!important
}

.button-cta.purple:hover {
    background: #fff;
    border: 2px solid #593196!important;
    color: #593196!important;
    text-decoration: none
}

.button-cta.darkblue {
    background: #1B516B;
    border: 2px solid #1B516B!important
}

.button-cta.darkblue:hover {
    background: #fff;
    border: 2px solid #1B516B!important;
    color: #1B516B!important;
    text-decoration: none
}

.button-cta.yellow {
    background: #FDB72D;
    border: 2px solid #FDB72D!important
}

.button-cta.yellow:hover {
    background: #fff;
    border: 2px solid #FDB72D!important;
    color: #FDB72D!important;
    text-decoration: none
}

.category_section {
    text-align: center;
    padding-bottom: 10px;
    background: #F9F9FB;
    position: relative;
    z-index: 1;
}

.category_section h2 {
        padding: 20px;
        text-align: center;
        font-size: 2.5em;
        line-height: 1.2em;
        font-weight: 600;
}

.topic_bar {
    display: flex;
    flex-direction: row;
    background: #fff;
    max-width: 1100px;
    margin: 0 auto 40px auto;
    box-shadow: 0 1px 2px 0 rgba(10, 16, 34, .2);
    border-radius: 4px;
    transition: 0.3s ease;
}

.topic_bar_statement {
        width: 35%;
        font-size: 2.5em;
        line-height: 1.2em;
        font-weight: 700;
        padding: 60px 20px;
        color: #fff;
        text-align: center;
        border-radius: 4px 0 0 4px;
}
    
.topic_bar_content {
        width: 65%;
        padding: 60px;
        text-align: left;
}

.topic_bar_content h3 {
            font-size: 1.7em;
            font-weight: 700;
} 

.topic_bar_content p {
            text-align: left;
            font-weight: 400;
            padding: 20px 0 0 0;
            font-style: normal;
}

.topic_bar_content a {
            margin-top: 30px;
            text-align: center;
            font-family: 'Poppins';
            font-weight: 600 !important;
            border-radius: 4px;
            text-transform: uppercase;
            -webkit-font-smoothing: antialiased;
            box-shadow: none !important;
            padding: 10px;
            line-height: 1.7;
            display: inline-block;
            cursor: pointer;
            color: #fff !important;
            outline: none;
            font-size: 16px;
            width: 100%;
            max-width: 200px;
}

.greenbg {
    background: #33CC99!important
}

.greentext {
    color: #33CC99!important
}

.redbg {
    background: #C93448!important
}

.redtext {
    color: #C93448!important
}

.bluebg {
    background: #06A3CE!important
}

.bluetext {
    color: #06A3CE!important
}

.purplebg {
    background: #593196!important
}

.purpletext {
    color: #593196!important
}

.yellowbg {
    background: #FDB72D!important
}

.yellowtext {
    color: #FDB72D!important
}

.darkbluebg {
    background: #1B516B!important
}

.darkbluetext {
    color: #1B516B!important
}

.pinkbg {
    background: #F493B4!important
}

.pinktext {
    color: #F493B4!important
}
.bluebg {
    background: #06A3CE !important;
}
.blue {
    background: #06A3CE;
    border: 2px solid #06A3CE !important;
}

.clearfix {
    clear: both
}

.centerme {
    text-align: center
}

.leftme {
    text-align: left
}

[hidden] {
    display: none
}

.container,.post_subscribe_container {
    box-sizing: content-box;
    max-width: 960px;
    width: 100%;
}

.container_toolbox {
    max-width: 1200px;
    width: 100%;
    margin: 0 auto 0 auto
}

.all_white_bg {
    background-color: #fff;
    margin-bottom: -20px;
    padding: 0 20px
}

.greenbg {
    background: #33CC99!important
}

.greentext {
    color: #33CC99!important
}

.redbg {
    background: #C93448!important
}

.redtext {
    color: #C93448!important
}

.bluebg {
    background: #06A3CE!important
}

.bluetext {
    color: #06A3CE!important
}

.purplebg {
    background: #593196!important
}

.purpletext {
    color: #593196!important
}

.yellowbg {
    background: #FDB72D!important
}

.yellowtext {
    color: #FDB72D!important
}

.darkbluebg {
    background: #1B516B!important
}

.darkbluetext {
    color: #1B516B!important
}

.pinkbg {
    background: #F493B4!important
}

.pinktext {
    color: #F493B4!important
}

.green_text,.income a {
    color: #3C9
}

.red_text,.debt a {
    color: #EB655D
}

.yellow_text,.budget a {
    color: #FDB72D
}

.blue_text,.invest a {
    color: #35A0C6
}

.alignright {
    float: right;
    margin: 5px 0 20px 20px;
    border-radius: 4px;
    width: auto;
    box-shadow: none
}

.header_default {
    top: 0;
    z-index: 1000
}

.header_fixed {
    top: -93px;
    z-index: 2
}

.container.container_header {
    max-width: 100%
}

.menu-link {
    display: none
}

.ham_slice {
    width: 18px
}

.panel {
    position: static
}

.mobile-nav, .search-icon {
    display: none;
}
header {
    height:56px
}

.header_fixed {
    top: -68px
}

.logo {
    float: left;
    width: auto;
    height: 30px;
}

.menu-link {
    display: inline;
    font-size: 16px;
    line-height: 24px
}

.menu-link:hover {
    text-decoration: none
}

.panel {
    display: none
}

footer {
    padding:20px 0 60px 0
}

.lmm_external_footer .social_bar {
    font-size: 1.3em;
    padding: 20px
}

.hero-content h1 {
    font-size: 2.4em;
}

.newsletter-form {
    max-width: 450px;
}

.section-heading h2 {
    font-size: 2rem;
}

/* MEDIA SCREEN */
@media screen and (max-width: 1024px) {
    h1 { font-size: 2em; }    /* ~32px */
    h2 { font-size: 1.75em; } /* ~28px */
    h3 { font-size: 1.5em; }  /* ~24px */
    h4, a { font-size: 1.25em; } /* ~20px */
    p  { font-size: 1em; }    /* ~16px */

    .logo {
        float: none;
        width: 240px;
        height: auto;
        padding: 10px 0 0 20px;
    }
    .desktop-nav {
        display: none;
    }
    .mobile-nav {
        display: block;
        position: fixed;
        z-index: 1000;
        right: 0;
        bottom: 0;
        left: 0;
        height: 55px;
        background-color: #333;
        padding: 0 0 env(safe-area-inset-bottom) 0;
    }
    .mobile-nav a {
        float: left;
        width: 33%;
        padding: 7.5px 0;
        vertical-align: middle;
        text-align: center;
        color: #fff;
        font-size: 11px;
        line-height: 11px;
        text-transform: capitalize;
        font-weight: 400;
    }
    .mobile-nav a i {
        font-size: 16px;
        line-height: 24px;
        clear: both;
        display: inline-block;
        float: left;
        width: 100%;
        margin-bottom: 0;
    }
    .mobile-nav a:hover {
        color: #0da8c4;
        underline: none;
    }
    .search-icon {
        display: inline;
        padding-top: 9px;
        float: right;
        font-size: 22px;
        color: #fff;
        padding: 10px 15px 5px 0;
    }
    .search-icon a {
        color: #fff;
    }
    .search-icon a:hover {
        color: #0da8c4;
    }
    header {
        height: 45px;
    }
    .post-toc {
        width: auto;
    }
}

@media screen and (max-width: 768px) {
    h1 { font-size: 1.75em; } /* ~28px */
    h2 { font-size: 1.5em; }  /* ~24px */
    h3 { font-size: 1.25em; } /* ~20px */
    h4, a { font-size: 1.125em; }/* ~18px */
    p  { font-size: 0.9375em; } /* ~15px */

    nav ul {
        margin-top:0
    }

    nav li,nav a {
        padding: 16px
    }

    .container {
        width: 92%;
    }

    .nav-toggle {
        display: block;
    }

    header .container {
        flex-wrap: wrap;
    }

    nav {
        width: 100%;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.5s ease;
    }

    nav.active {
        max-height: 300px;
    }

    nav ul {
        flex-direction: column;
        padding: 1rem 0;
    }

    nav ul li {
        margin: 0;
        width: 100%;
        text-align: center;
    }

    nav ul li a {
        display: block;
        padding: 0.75rem 0;
    }

    nav ul li a:after {
        display: none;
    }

    .hero-content h1 {
        font-size: 2em;
        padding: 0 15px;
    }

    .hero-content .subtitle {
        font-size: 1.1em;
        padding: 0 20px;
    }

    .newsletter-form {
        max-width: 100%;
        padding: 15px 10px 0;
    }

    /* START OVER HERE */
    .newsletter-input {
        flex-direction: column;
        box-shadow: none;
    	gap: 10px;
	paddingg: 0 16px
    }
    
    .newsletter-form input[type="email"] {
        width: 100%;
        border-radius: 6px;
        border: 1px solid #ccd4d4;
        margin-bottom: 0;
	box-sizing: border-box;
	
    }
    
    .newsletter-form button {
        width: 100%;
        border-radius: 6px;
        padding: 14px 20px;
	margin-top: 0;
	border-sizing: border-box;
    }
    
    .feature-card {
        flex: 1 1 100%;
    }

    .container.container_header {
        min-height:45px
    }
}

@media screen and (max-width: 500px) {
    h1 { font-size: 1.5em; }   /* ~24px */
    h2 { font-size: 1.25em; }  /* ~20px */
    h3 { font-size: 1.125em; } /* ~18px */
    h4, a { font-size: 1em; }     /* ~16px */
    p  { font-size: 0.875em; } /* ~14px */

    p {
        line-height: 1.6
    }

    .container_toolbox {
        max-width: 1200px;
        width: auto;
        margin: 0 20px
    }

    .hero-content h1 {
        font-size: 1.8em;
    }
    
    .hero-content .subtitle {
        font-size: 1em;
    }
    
    .newsletter-form label {
        font-size: 14px;
    }
    
    .section-heading h2 {
        font-size: 1.8rem;
    }
}