/* publicfinancial.com shell: header, footer, text sections, forms (Nov 2026).
   Page content keeps its own .pfs / .pfl styles; colors and type follow the site theme (theme.css). */
:root{
  --ink:#0D1626; --ink2:#13203A; --line-dark:#1C2A40; --nav:#D4DAE0; --muted-dark:#9AA5B1;
  --mint:#5CC29D; --green:#17785C; --green-d:#11604A;
  --paper:#F5F6F2; --paper2:#E8EEE8; --text:#15202B; --muted:#4F5B66; --line:#DCE3DC; --field:#C8D1C9;
  --serif:'Fraunces',Georgia,serif; --sans:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
*,*:before,*:after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--sans);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
#dm{overflow-x:clip}
img,video{max-width:100%;height:auto}
a{color:var(--green)}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--ink);padding:10px 14px;z-index:2147483001}
.skip:focus{left:12px;top:12px}

/* ---------- header ---------- */
.sh{position:sticky;top:0;z-index:2147483000;background:var(--ink);border-bottom:1px solid var(--line-dark)}
.sh-w{max-width:1200px;margin:0 auto;padding:0 22px;height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.sh-logo{font-family:var(--serif);font-weight:600;font-size:22px;letter-spacing:-.01em;color:#fff;text-decoration:none;white-space:nowrap}
.sh-nav>ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:6px}
.sh-nav li{position:relative}
.sh-nav a,.sh-nav button{font:500 14px/1 var(--sans);color:var(--nav);background:none;border:0;text-decoration:none;padding:10px 12px;border-radius:6px;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.sh-nav a:hover,.sh-nav button:hover,.sh-nav a[aria-current=page]{color:#fff}
.sh-nav button:after{content:"";width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .15s}
.sh-nav .sub{list-style:none;margin:0;padding:8px 0;position:absolute;top:100%;left:0;min-width:240px;background:var(--ink2);border:1px solid #24344D;border-radius:8px;box-shadow:0 18px 40px rgba(0,0,0,.35);display:none}
.sh-nav li.open>.sub{display:block}
.sh-nav .sub a{display:block;padding:10px 16px;border-radius:0;font-size:14px}
.sh-nav .sub a:hover{background:rgba(255,255,255,.05)}
.sh-nav .sh-cta{background:var(--mint);color:var(--ink);font-weight:600;padding:10px 18px;margin-left:8px}
.sh-nav .sh-cta:hover{color:var(--ink);filter:brightness(1.06)}
.sh-burger{display:none;width:44px;height:44px;background:none;border:0;padding:10px;cursor:pointer}
.sh-burger span{display:block;height:2px;background:#fff;margin:6px 0;border-radius:2px;transition:transform .2s,opacity .2s}
@media (hover:hover) and (min-width:961px){.sh-nav li.has-sub:hover>.sub{display:block}}
@media (max-width:960px){
  .sh-burger{display:block}
  .sh-nav{position:fixed;top:72px;left:0;right:0;bottom:0;background:var(--ink);overflow-y:auto;padding:12px 22px 40px;display:none}
  .sh.open .sh-nav{display:block}
  .sh-nav>ul{flex-direction:column;align-items:stretch;gap:0}
  .sh-nav>ul>li{border-bottom:1px solid var(--line-dark)}
  .sh-nav a,.sh-nav button{width:100%;justify-content:space-between;padding:16px 4px;font-size:17px}
  .sh-nav .sub{position:static;border:0;box-shadow:none;background:none;padding:0 0 10px 12px;min-width:0}
  .sh-nav .sub a{padding:11px 4px;font-size:16px;color:var(--muted-dark)}
  .sh-nav li.open>button:after{transform:rotate(-135deg)}
  .sh-nav .sh-cta{margin:18px 0 0;justify-content:center}
  .sh-nav>ul>li:last-child{border-bottom:0}
  .sh.open .sh-burger span:nth-child(1){transform:translateY(8px) rotate(45deg)}
  .sh.open .sh-burger span:nth-child(2){opacity:0}
  .sh.open .sh-burger span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
  body.nav-open{overflow:hidden}
  /* while the menu is open, take the page out from under it: on iPhones an inline video (or a third-party
     widget) can otherwise sit above the menu and swallow its taps */
  body.nav-open #main,body.nav-open .sf{visibility:hidden}
  .sh-burger,.sh-nav a,.sh-nav button{touch-action:manipulation;-webkit-tap-highlight-color:rgba(255,255,255,.08)}
}

/* ---------- plain text sections (Duda text blocks, form intros) ---------- */
.pfx{background:var(--paper2);padding:64px 0 72px}
.pfx-w{max-width:820px;margin:0 auto;padding:0 22px}
.pfx h1,.pfx h2,.pfx h3{font-family:var(--serif);font-weight:600;color:var(--text);letter-spacing:-.01em;line-height:1.15;margin:0 0 14px}
.pfx h1{font-size:clamp(32px,5vw,48px)}
.pfx h2{font-size:clamp(28px,4vw,40px)}
.pfx h3{font-size:22px}
.pfx p,.pfx li{font-size:17px;color:var(--muted);margin:0 0 12px}
.pfx hr{border:0;height:4px;width:44px;background:var(--green);border-radius:2px;margin:0 0 18px}
.pfx-cta{margin:22px 0}
.pfx-btn,.pf-btn{display:inline-block;background:var(--green);color:#fff!important;border:1px solid var(--green);border-radius:6px;padding:14px 26px;font:600 16px/1.2 var(--sans);text-decoration:none!important;cursor:pointer}
.pfx-btn:hover,.pf-btn:hover{background:var(--green-d);border-color:var(--green-d)}
.pf-btn.ghost{background:transparent;color:var(--green)!important}
.pf-btn.ghost:hover{background:rgba(23,120,92,.08)}
.pfx-links a{color:var(--green)}

/* ---------- share ---------- */
.pf-share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:8px 0 0;font-size:14px;color:var(--muted)}
.pf-share a{display:inline-flex;align-items:center;justify-content:center;min-width:40px;height:36px;padding:0 12px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--text);text-decoration:none;font-weight:500}
.pf-share a:hover{border-color:var(--green);color:var(--green)}

/* ---------- forms ---------- */
.pf-form{background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(13,22,38,.08);padding:30px;margin-top:26px}
.pf-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}
.pf-f{min-width:0}
.pf-f.wide{grid-column:1/-1}
.pf-f>label,.pf-f>.pf-lab{display:block;font:500 14px/1.4 var(--sans);color:var(--text);margin:0 0 7px}
.pf-f .req{color:var(--green);margin-left:2px}
.pf-f input[type=text],.pf-f input[type=email],.pf-f input[type=tel],.pf-f input[type=url],.pf-f input[type=number],.pf-f input[type=date],.pf-f select,.pf-f textarea{width:100%;background:#fff;border:1px solid var(--field);border-radius:6px;color:var(--text);font:16px/1.4 var(--sans);padding:11px 12px;min-height:46px}
.pf-f textarea{min-height:110px;resize:vertical}
.pf-f select{appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,#4F5B66 50%),linear-gradient(135deg,#4F5B66 50%,transparent 50%);background-position:calc(100% - 18px) 50%,calc(100% - 13px) 50%;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
.pf-f input:focus,.pf-f select:focus,.pf-f textarea:focus{outline:2px solid rgba(23,120,92,.35);border-color:var(--green)}
.pf-opts{display:grid;gap:8px}
.pf-opt{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--text);cursor:pointer;line-height:1.4}
.pf-opt input{margin:3px 0 0;width:18px;height:18px;accent-color:var(--green);flex:none}
.pf-f.optin .pf-opt{font-size:14px;color:var(--muted)}
.pf-f.has-error input,.pf-f.has-error select,.pf-f.has-error textarea{border-color:#b3261e}
.pf-f.has-error .pf-opts{outline:1px solid #b3261e;outline-offset:6px;border-radius:4px}
.pf-f .pf-ferr{color:#b3261e;font-size:13px;margin-top:5px}
.pf-file{font-size:15px}
.pf-hint{font-size:13px;color:var(--muted);margin-top:5px}
.pf-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:24px}
.pf-progress{font:600 12px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--green);margin:0 0 16px}
.pf-msg{margin:18px 0 0;font-size:15px}
.pf-msg.err{color:#b3261e}
.pf-done{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px;margin-top:26px;font-size:17px;color:var(--text)}
.pf-form.sending button{opacity:.6;pointer-events:none}
.hp-field{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
@media (max-width:640px){.pf-grid{grid-template-columns:1fr}.pf-form{padding:22px}.pfx{padding:48px 0 56px}}

/* quiz email step */
.pfq-mail{margin-top:30px;border-top:1px solid var(--line);padding-top:26px}
.pfq-mail h3{margin:0 0 6px}

/* thank-you booking */
.pf-book{background:var(--paper);padding:56px 0 72px}
.pf-book .pfx-w{max-width:1000px}
.pf-book .calendly-inline-widget{min-width:320px;height:760px;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}

/* ---------- footer ---------- */
.sf{background:#0A111D;color:var(--muted-dark);font-size:14px}
.sf-w{max-width:1200px;margin:0 auto;padding:56px 22px 40px}
.sf-cols{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:32px}
.sf-brand .sh-logo{font-size:20px}
.sf-brand p{margin:14px 0 0;line-height:1.6}
.sf h4{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--mint);margin:4px 0 16px}
.sf ul{list-style:none;margin:0;padding:0}
.sf li{margin:0 0 10px}
.sf a{color:var(--nav);text-decoration:none}
.sf a:hover{color:#fff;text-decoration:underline}
.sf-legal{border-top:1px solid var(--line-dark);margin-top:40px;padding-top:24px;display:grid;gap:12px;font-size:13px;line-height:1.6}
.sf-legal p{margin:0}
@media (max-width:960px){.sf-cols{grid-template-columns:1fr 1fr}.sf-brand{grid-column:1/-1}}
@media (max-width:520px){.sf-cols{grid-template-columns:1fr}}

/* 404 and privacy */
.pf-page{background:var(--paper);padding:72px 0 88px}
.pf-page .pfx-w h1{font-family:var(--serif);font-weight:600;font-size:clamp(34px,5vw,50px);line-height:1.1;margin:0 0 18px;color:var(--text)}
.pf-page h2{font-family:var(--serif);font-weight:600;font-size:24px;margin:34px 0 10px;color:var(--text)}
.pf-page p,.pf-page li{font-size:17px;color:var(--muted)}

/* space between stacked call-to-action buttons */
.pfs .ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.pfs .ctas a{margin:0!important}

/* ---------- /articles: by category, one title per row ---------- */
.art-jump{display:flex;flex-wrap:wrap;gap:8px;margin:26px 0 8px}
.art-jump a{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--text);font-size:14px;font-weight:500;text-decoration:none}
.art-jump a:hover{border-color:var(--green);color:var(--green)}
.art-jump span{font-size:12px;color:var(--muted);background:var(--paper2);border-radius:999px;padding:1px 7px}
.art-cat{margin:44px 0 0;scroll-margin-top:90px}
.pfx .art-cat h2{font-size:clamp(24px,3vw,30px);margin:0 0 10px}
.pfx .art-desc{font-size:16px;margin:0 0 14px}
.art-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.pfx .art-list li{margin:0;padding:0;border-bottom:1px solid var(--line)}
.art-list a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:14px 4px;color:var(--text);font-size:17px;font-weight:500;line-height:1.4;text-decoration:none}
.art-list a:after{content:"\2192";color:var(--green);flex:none;transition:transform .15s}
.art-list a:hover{color:var(--green)}
.art-list a:hover:after{transform:translateX(3px)}
.pfx .art-cta{margin:48px 0 0}
@media (max-width:640px){.art-list a{font-size:16px;padding:13px 2px}}