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@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* Refined editorial identity: one friendly sans family, no mono labels. */
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@media(max-width:900px){.topic-grid{gap:16px}.topic-tile h3{font-size:24px;left:18px;bottom:18px}.topic-grid .topic-tile{aspect-ratio:.95}.job-section .feature-grid>.card h3,.insurance-section .feature-grid>.card h3,.relationship-section .feature-grid>.card h3{font-size:22px}}
@media(max-width:540px){.brand{font-size:25px}.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.topic-grid .topic-tile{aspect-ratio:.94;border-radius:17px}.topic-tile h3{font-size:21px;left:15px;bottom:18px}.topic-tile:nth-child(6) h3{font-size:18px}.section-heading{flex-wrap:wrap}.topic-section .section-heading>.text-link{max-width:none;text-align:left}.section-label{font-size:12px;margin-bottom:10px}.job-section .feature-grid,.insurance-section .feature-grid,.relationship-section .feature-grid{grid-template-columns:1fr}.job-section .feature-grid>.card h3,.insurance-section .feature-grid>.card h3,.relationship-section .feature-grid>.card h3{font-size:26px}.brand-note{display:none}}

/* Clean category treatment, October 2026. */
:root{--bg:#fff;--ink:#1d1d1f;--muted:#6e6e73;--copper:#0066cc;--line:#e5e5e9;--sage:#f5f5f7}
body{background:#fff}.site-header{background:rgba(255,255,255,.96)}
.topic-section{padding:88px 0;color:var(--ink)}
.topic-section .section-heading{margin-bottom:40px;align-items:flex-start}
.topic-section .section-label{display:inline-block;opacity:1;color:#6e6e73;font-size:15px;font-weight:600;margin-bottom:14px;line-height:1.4}
.topic-section .section-label:hover{color:#0066cc;text-decoration:underline;text-underline-offset:5px}
.topic-section h2{font-size:clamp(32px,3.7vw,52px);font-weight:600;letter-spacing:-.045em;max-width:850px}
.topic-section .card-copy{padding-top:20px}.topic-section .card h3{color:inherit;line-height:1.17;letter-spacing:-.035em}
.topic-section .card:hover h3{color:#0066cc}.topic-section .card img{border-radius:20px}
.home-section{background:#f5f5f7}.money-section{background:linear-gradient(125deg,#eef5ff 0%,#f5f7ff 55%,#edf0ff 100%);color:#1d1d1f}
.auto-section{background:#fff}.job-section{background:#f5f5f7}
.study-section{background:linear-gradient(120deg,#eef2ff 0%,#f4f4ff 55%,#fafaff 100%)}
.insurance-section{background:#f4f8fa}.business-section{background:linear-gradient(125deg,#101827,#172842 70%,#233758);color:#f5f5f7}
.business-section .section-label{color:#b8cbea}.business-section .card:hover h3{color:#a6ceff}
.relationship-section{background:linear-gradient(120deg,#f3f2ff,#f8f8fc 65%,#edf4fc)}
.site-footer{background:#f5f5f7}.editorial{background:#fff}.archive-main .archive-grid .eyebrow{display:none}
@media(max-width:700px){.topic-section{padding:56px 0}.topic-section .section-heading{margin-bottom:28px}.topic-section .feature-grid{display:grid;grid-template-columns:1fr;gap:32px}.topic-section .feature-grid>.card{display:block;grid-row:auto;grid-column:auto}.topic-section .feature-grid>.card>img{width:100%;height:auto;aspect-ratio:1.6;max-height:none;object-fit:cover}.topic-section .feature-grid>.card h3{font-size:26px;line-height:1.2}.topic-section .feature-grid>.card .card-copy{padding:16px 0 0}.topic-section .section-label{font-size:14px;margin-bottom:10px}}

/* Fresh wordmark: one clear name, no secondary slogan. */
.site-header .brand{font-family:'DM Sans',system-ui,sans-serif;font-size:32px;font-weight:650;letter-spacing:-1.5px;line-height:1.1;color:#17233b;display:inline-flex;align-items:baseline}
.site-header .brand .brand-domain{font-weight:500;letter-spacing:-1.2px;color:#1877ed;background:linear-gradient(110deg,#1469ed,#27a8e0);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.site-header .brand:hover{color:#224372}.header-inner{min-height:88px}.site-header .brand-note{display:none}
@media(max-width:540px){.site-header .brand{font-size:28px;letter-spacing:-1.3px}.header-inner{min-height:76px}.site-header .brand .brand-domain{letter-spacing:-1px}}

/* Beginner: a clear split lead and independent reading rhythm. */
.opening{padding-top:32px}.hero{display:grid;grid-template-columns:1fr 1.08fr;min-height:0;border-radius:30px;background:linear-gradient(130deg,#f0f5ff,#f8faff 62%,#edf6fc);color:#17233b;isolation:isolate}
.hero:after{display:none}.hero>img{position:relative;grid-column:2;grid-row:1;width:100%;height:100%;min-height:480px;object-fit:cover;object-position:center;transition:clip-path .55s ease,filter .55s ease;clip-path:inset(0 round 0 30px 30px 0)}
.hero .hero-copy{grid-column:1;grid-row:1;min-height:0;max-width:none;padding:52px;justify-content:center;align-items:flex-start}
.hero h2{font-size:clamp(30px,3.3vw,48px);line-height:1.12;letter-spacing:-.045em;margin:0;color:#17233b;transition:color .25s ease}
.hero:hover>img{transform:none}.hero:hover h2{color:#1469ed}

.recent{padding-block:64px}.recent .section-heading h2 span{display:none}
.recent-grid{gap:24px}.recent-card{border-top:1px solid #dfe5ec;padding-top:18px}.recent-card>img{aspect-ratio:1.5;border-radius:12px}.recent-card h3{font-size:19px;line-height:1.3}
.topic-section .feature-grid{grid-template-columns:1.35fr 1fr 1fr;gap:32px;align-items:start}
.topic-section .feature-grid>.card{display:block;grid-row:auto;grid-column:auto;position:relative}
.topic-section .feature-grid>.card>img{aspect-ratio:1.45;width:100%;height:auto;max-height:none;object-fit:cover;border-radius:18px;clip-path:inset(0 round 18px);transition:clip-path .45s cubic-bezier(.2,.7,.2,1),filter .45s ease}
.topic-section .feature-grid>.card .card-copy{padding:20px 0 0}
.topic-section .feature-grid>.card h3{font-size:25px;line-height:1.22;letter-spacing:-.035em;transition:color .25s ease}
.topic-section .feature-grid>.card:first-child h3{font-size:32px}
.topic-section .feature-grid>.card:nth-child(2){margin-top:36px}.topic-section .feature-grid>.card:nth-child(3){margin-top:72px}
.topic-grid .topic-tile{border-radius:20px;aspect-ratio:1.3;transition:box-shadow .3s ease}.topic-grid .topic-tile h3{font-size:25px}.topic-grid .topic-tile:after{background:linear-gradient(0deg,#091629c9,transparent 80%)}
.desktop-nav a,.footer-links a{position:relative}.desktop-nav a:after{content:'';position:absolute;left:0;right:0;bottom:-7px;height:2px;border-radius:2px;background:#1877ed;transform:scaleX(0);transform-origin:left;transition:transform .25s ease}.desktop-nav a:hover:after,.desktop-nav a:focus-visible:after{transform:scaleX(1)}
.text-link{background-image:linear-gradient(currentColor,currentColor);background-position:0 100%;background-size:100% 1px;background-repeat:no-repeat;text-decoration:none;padding-bottom:4px;transition:background-size .25s ease,color .25s ease}
.editorial{text-align:left;display:grid;grid-template-columns:1fr 1fr;column-gap:60px;padding-block:88px}.editorial>.eyebrow{grid-column:1/-1}.editorial h2{font-size:48px;margin:14px 0}.editorial p{font-size:20px;margin:14px 0 24px;max-width:520px}.editorial>.text-link{grid-column:2;justify-self:start}
@media(hover:hover) and (pointer:fine){.hero:hover>img{clip-path:inset(14px round 22px);filter:saturate(1.08)}.topic-section .card:hover>img{clip-path:inset(6px round 22px);filter:saturate(1.1)}.topic-grid .topic-tile:hover{box-shadow:0 0 0 4px #fff,0 0 0 6px #b5d4ff}.text-link:hover{background-size:30% 2px}}
@media(max-width:1000px){.hero .hero-copy{padding:34px}.hero>img{min-height:400px}.topic-section .feature-grid{gap:24px;grid-template-columns:1fr 1fr}.topic-section .feature-grid>.card:first-child{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}.topic-section .feature-grid>.card:first-child .card-copy{padding:0}.topic-section .feature-grid>.card:nth-child(n){margin-top:0}.editorial{column-gap:32px}}
@media(max-width:700px){.opening{padding-top:20px}.hero{grid-template-columns:1fr;border-radius:22px}.hero>img{grid-column:1;grid-row:1;min-height:0;height:auto;aspect-ratio:1.5;clip-path:none;border-radius:22px 22px 0 0}.hero .hero-copy{grid-column:1;grid-row:2;padding:28px 24px 32px}.hero h2{font-size:30px}.topic-section .feature-grid{grid-template-columns:1fr;gap:34px}.topic-section .feature-grid>.card:first-child{display:block;grid-column:auto}.topic-section .feature-grid>.card:first-child .card-copy{padding-top:18px}.topic-section .feature-grid>.card h3,.topic-section .feature-grid>.card:first-child h3{font-size:26px}.topic-section .feature-grid>.card>img{aspect-ratio:1.6}.topic-grid .topic-tile h3{font-size:21px}.editorial{display:block;padding-block:56px}.editorial h2{font-size:36px}.editorial p{font-size:18px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}*,*:before,*:after{transition:none!important;animation:none!important}.hero:hover>img,.topic-section .card:hover>img{clip-path:none;filter:none}}

/* Author and article design — November 2026 */
.author-spotlight{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;margin:88px auto;padding:40px;border-radius:30px;background:linear-gradient(120deg,#edf4ff,#f1f0ff 65%,#fff);overflow:hidden}
.author-spotlight .author-photo{width:100%;height:360px;object-fit:cover;object-position:center 38%;border-radius:20px}
.author-spotlight .author-label,.author-signoff .author-label{font-size:12px;font-weight:650;letter-spacing:.08em;text-transform:uppercase;color:#576581}
.author-spotlight h2{font-size:clamp(32px,4vw,54px);margin:16px 0 22px;max-width:500px;color:#1d1d1f}
.author-spotlight p{max-width:450px;font-size:18px;line-height:1.65;color:#505565;margin:0 0 24px}
.author-spotlight a,.author-signoff a{display:inline-block;font-size:14px;font-weight:650;text-decoration:underline;text-underline-offset:6px}
.article-main{background:#fff;color:#1d1d1f}
.article-hero-new{display:grid;grid-template-columns:1.08fr 1fr;gap:56px;align-items:center;padding-block:70px 64px}
.article-hero-new .article-heading{width:auto;margin:0;padding:0;max-width:none}
.article-hero-new .article-category{color:#435cd0;background:#edf1ff;border-radius:20px;padding:7px 12px;font-size:12px;display:inline-block}
.article-hero-new h1{font-size:clamp(38px,4.3vw,64px);line-height:1.04;letter-spacing:-.055em;margin:24px 0}
.article-deck{font-size:19px;line-height:1.6;color:#646570;max-width:590px}
.article-hero-new .article-cover{width:100%;margin:0;align-self:stretch;min-height:480px}
.article-hero-new .article-cover img{height:100%;width:100%;object-fit:cover;border-radius:24px}
.article-hero-new .article-meta{border:0;margin-top:28px;padding:0;display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:12px;color:#666}
.article-meta .byline-avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 30%}
.article-meta a{font-weight:650;color:#1d1d1f}.article-meta button{margin-left:0;border:0;background:#f3f4f6;padding:8px 12px;border-radius:20px}
.article-layout{display:grid;grid-template-columns:240px minmax(0,740px);justify-content:center;gap:72px;padding-top:56px;border-top:1px solid #e9eaf0}
.article-aside{align-self:start;position:sticky;top:100px}.article-toc{border:0;background:#f6f7fa;border-radius:16px;padding:22px}.article-toc summary{font-size:13px;font-weight:700}.article-toc a{display:block;font-size:13px;line-height:1.5;padding:11px 0;color:#656976;border-bottom:1px solid #e4e7ee}.article-toc a:hover{color:#435cd0}
.article-body{min-width:0;font-size:18px;line-height:1.85;max-width:740px}.article-body>p:first-child{font-size:21px;line-height:1.65;color:#34363c}.article-body h2{font-size:32px;line-height:1.15;margin:56px 0 22px}.article-body p{margin-bottom:24px}.article-body a{color:#3851bf;text-decoration-color:#bdc8f0;text-underline-offset:4px}.article-body figure.wp-block-table{max-width:100%;overflow-x:auto;border:1px solid #e4e7ee;border-radius:14px;margin:28px 0}.article-body table{font-size:14px;line-height:1.55;border-collapse:collapse;width:100%;min-width:560px}.article-body th{background:#eff3ff;color:#29375c}.article-body td,.article-body th{padding:16px;text-align:left;border:0;border-bottom:1px solid #e6e8ef}.article-body tr:nth-child(even){background:#fafbfe}
.author-signoff{display:flex;gap:24px;align-items:center;background:linear-gradient(115deg,#edf4ff,#f4f1ff);padding:28px;border-radius:20px;margin-top:48px}.author-signoff img{width:88px;height:88px;border-radius:50%;object-fit:cover;object-position:center 30%;flex-shrink:0}.author-signoff h3{font-size:24px;margin:5px 0 8px}.author-signoff p{font-size:14px;line-height:1.6;margin:0 0 10px}.article-main .read-next{padding-block:80px}.article-main .read-next h2{font-size:36px;margin-bottom:30px}.article-main .comments{border-top:1px solid #eee;margin-top:45px;padding-top:25px}
@media(max-width:850px){.author-spotlight{gap:28px;padding:26px}.author-spotlight .author-photo{height:310px}.article-hero-new{gap:28px}.article-hero-new .article-cover{min-height:380px}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:28px}}
@media(max-width:650px){.author-spotlight{grid-template-columns:1fr;margin-block:48px;padding:20px;gap:28px;border-radius:22px}.author-spotlight .author-photo{height:280px}.author-spotlight h2{font-size:34px}.author-spotlight p{font-size:16px}.article-hero-new{grid-template-columns:1fr;padding-block:35px;gap:28px}.article-hero-new h1{font-size:40px}.article-deck{font-size:17px}.article-hero-new .article-cover{min-height:0;height:290px}.article-layout{display:block;padding-top:24px}.article-aside{position:static;margin-bottom:32px}.article-toc{padding:18px}.article-body{font-size:17px;line-height:1.8}.article-body>p:first-child{font-size:19px}.article-body h2{font-size:28px}.author-signoff{padding:22px;align-items:flex-start;gap:16px}.author-signoff img{width:58px;height:58px}.article-main .read-next h2{font-size:30px}}

.article-hero-new .article-heading{text-align:left}.article-hero-new .article-meta{justify-content:flex-start}

/* Beginner signature: a lowercase b and a fresh starting point. */
.site-header .brand,.site-footer .brand{display:inline-flex;align-items:center;gap:11px;white-space:nowrap;line-height:1;color:#2249e8;background:none;-webkit-text-fill-color:currentColor;letter-spacing:-1.8px;font-size:32px;font-weight:800}
.brand-symbol{display:block;width:46px;height:46px;flex:none;transition:transform .25s ease}
.brand-name{color:#191d2a!important;background:none!important;-webkit-text-fill-color:currentColor!important;font-weight:800!important;letter-spacing:-1.8px}
.site-header .brand .brand-domain,.site-footer .brand .brand-domain{color:#66708b;background:none;-webkit-text-fill-color:currentColor;font-size:.62em;font-weight:550;letter-spacing:-.6px;margin-left:2px}
.brand:hover .brand-symbol{transform:rotate(-5deg)}
@media(max-width:540px){.site-header .brand,.site-footer .brand{font-size:27px;gap:8px}.brand-symbol{width:37px;height:37px}.brand-name{letter-spacing:-1.5px}}
@media(prefers-reduced-motion:reduce){.brand-symbol{transition:none}.brand:hover .brand-symbol{transform:none}}

/* Unified Beginner identity */
.site-header .brand,.site-footer .brand{display:inline-block;line-height:1.1;font-family:'DM Sans',system-ui,sans-serif;font-size:33px;font-weight:800;font-style:normal;letter-spacing:-1.9px;color:#20222a;background:none;-webkit-text-fill-color:currentColor;white-space:nowrap}
.site-header .brand .brand-domain,.site-footer .brand .brand-domain{font:inherit;letter-spacing:inherit;color:inherit;background:none;-webkit-text-fill-color:currentColor;margin:0}
.hero-copy:before{content:none;display:none}.hero h2,.hero:hover h2{color:#20222a}.hero-copy{padding-block:48px}.article-category{color:#465268!important;background:#eff2f7!important}.article-body a{color:#354c72}.author-spotlight{background:linear-gradient(115deg,#edf3fa,#f5f7fc)}.author-spotlight h2,.author-signoff h3{color:#20222a}.author-signoff{background:#f1f5fa}.author-spotlight .author-label,.author-signoff .author-label{color:#596578}
@media(max-width:540px){.site-header .brand,.site-footer .brand{font-size:29px;letter-spacing:-1.6px}}

.utility-bar{background:#f5f6f8;border-bottom:1px solid #e9ebef}.utility-links{display:flex;justify-content:flex-end;gap:24px;min-height:35px;align-items:center;font-size:11px;color:#60636c}.utility-links a:hover{color:#171a21;text-decoration:underline;text-underline-offset:4px}
.site-footer{background:#f4f5f7;color:#24262c;padding:58px 0 26px}.footer-top{padding-bottom:32px;border-bottom:1px solid #dedfe4}.footer-directory{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;padding:36px 0}.footer-directory h2{font-size:13px;letter-spacing:0;font-weight:700;line-height:1.5;margin:0 0 18px}.footer-directory a{display:block;width:fit-content;font-size:13px;line-height:1.5;margin:12px 0;color:#626570}.footer-directory a:hover{color:#171a21;text-decoration:underline;text-underline-offset:4px}.footer-settings{display:flex;justify-content:flex-end}.footer-settings button{border:1px solid #d9dce3;border-radius:20px;background:transparent;font-size:11px;padding:7px 12px;color:#626570}.site-footer .search-form{border-top:1px solid #dedfe4;padding-top:28px}.site-footer .copyright{margin-top:32px;color:#737782;font-size:11px}
@media(max-width:650px){.utility-links{justify-content:center;gap:21px;font-size:11px;min-height:34px}.footer-directory{grid-template-columns:1fr 1fr;gap:24px 18px}.site-footer{padding-top:36px}.footer-top{align-items:flex-start;gap:18px;flex-direction:column}.footer-directory h2{font-size:13px}.footer-directory a{font-size:13px}}