:root {
    --paper: #f8f7f4; --surface: #fff; --ink: #14181d; --ink-2: #52514e;
    --muted: #898781; --line: #e5e3dc; --line-soft: #eeece6;
    --accent: #1f6fd0; --accent-deep: #104281; --accent-wash: #eaf2fc;
    --bar: #2a78d6; --gold: #eda100; --gold-wash: #fdf4e0; --navy: #0e2036;
    --good: #0ca30c; --good-text: #006300; --radius: 14px;
    --sans: system-ui, -apple-system, "Segoe UI", sans-serif;
    --serif: Charter, "Iowan Old Style", Georgia, "Times New Roman", serif;
    --shadow-sm: 0 1px 2px rgba(16,24,32,.05), 0 1px 8px rgba(16,24,32,.04);
    --shadow-md: 0 2px 6px rgba(16,24,32,.07), 0 12px 30px rgba(16,24,32,.09);
    --ring: 0 0 0 3px rgba(31,111,208,.18);
  }
  * { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body { font-family: var(--sans); background: var(--paper); color: var(--ink); line-height: 1.55; -webkit-font-smoothing: antialiased; }
  a { color: var(--accent-deep); text-decoration: none; }
  a:hover { text-decoration: underline; }
  svg { display: block; }
  .wrap { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

  .proto-note { background: var(--gold-wash); border-bottom: 1px solid #f3ddae; font-size: 12.5px; color: #8a5b00; text-align: center; padding: 7px 16px; }

  /* ================= Header + mega menu ================= */
  header { position: sticky; top: 0; z-index: 90; background: rgba(248,247,244,.94); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
  .nav { display: flex; align-items: center; gap: 2px; height: 62px; position: relative; }
  .logo { display: flex; align-items: center; gap: 9px; font-weight: 700; font-size: 19px; letter-spacing: -.02em; color: var(--ink); cursor: pointer; user-select: none; margin-right: 16px; white-space: nowrap; }
  .logo:hover { text-decoration: none; }
  .logo .mark { width: 29px; height: 29px; border-radius: 8px; background: linear-gradient(135deg, var(--accent), var(--accent-deep)); display: grid; place-items: center; box-shadow: 0 2px 6px rgba(16,66,129,.35); }
  .logo .tld { color: var(--muted); font-weight: 500; }
  .m-item { font-size: 13px; font-weight: 600; color: var(--ink-2); padding: 8px 9px; border-radius: 8px; cursor: pointer; user-select: none; white-space: nowrap; }
  body { overflow-x: hidden; }
  .m-item:hover, .m-item.on { background: var(--accent-wash); color: var(--accent-deep); }
  .m-item.lnk { color: var(--ink-2); }
  .head-right { margin-left: auto; display: flex; align-items: center; gap: 12px; }

  /* listing toggle */
  .seg { display: inline-flex; background: #edece6; border: 1px solid var(--line); border-radius: 999px; padding: 3px; gap: 2px; }
  .seg button { border: none; background: none; font-family: var(--sans); font-size: 12px; font-weight: 700; color: var(--ink-2); padding: 5px 11px; border-radius: 999px; cursor: pointer; white-space: nowrap; }
  .seg button.on { background: var(--surface); color: var(--ink); box-shadow: var(--shadow-sm); }
  .seg-label { font-size: 10.5px; color: var(--muted); font-weight: 700; letter-spacing: .05em; text-transform: uppercase; margin-right: -4px; }

  .mega { display: none; position: absolute; left: 0; right: 0; top: 62px; z-index: 80; background: var(--surface); border: 1px solid var(--line); border-top: none; border-radius: 0 0 16px 16px; box-shadow: 0 24px 44px rgba(16,24,32,.14); padding: 22px 26px; max-height: 62vh; overflow: auto; }
  .mega.on { display: block; animation: fade .16s ease; }
  .mega-cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 4px 24px; }
  .mega-col h5 { font-size: 11.5px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin: 12px 0 5px; }
  .mega-col a { display: flex; align-items: center; gap: 7px; font-size: 13px; color: var(--ink-2); padding: 3.5px 6px; border-radius: 6px; cursor: pointer; }
  .mega-col a:hover { background: var(--accent-wash); color: var(--accent-deep); text-decoration: none; }
  .mega-foot { border-top: 1px solid var(--line-soft); margin-top: 14px; padding-top: 11px; font-size: 12.5px; color: var(--muted); display: flex; gap: 18px; flex-wrap: wrap; }

  .star { font-size: 10px; color: var(--gold); }
  @keyframes fade { from { opacity: 0; transform: translateY(5px); } to { opacity: 1; } }

  /* ================= Views ================= */
  .view { display: none; }
  .view.active { display: block; animation: fade .22s ease; }

  /* ================= Hero ================= */
  .hero { padding: 64px 0 54px; border-bottom: 1px solid var(--line);
    background: radial-gradient(1000px 380px at 75% -80px, rgba(42,120,214,.11), transparent 70%),
                radial-gradient(700px 300px at 8% -60px, rgba(237,161,0,.08), transparent 70%); }
  .kicker { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent-deep); background: var(--accent-wash); border: 1px solid #d5e4f7; padding: 5px 13px; border-radius: 999px; margin-bottom: 20px; }
  .hero h1 { font-family: var(--serif); font-size: clamp(38px, 5.2vw, 56px); line-height: 1.07; letter-spacing: -.015em; max-width: 760px; font-weight: 700; }
  .hero h1 em { font-style: italic; color: var(--accent-deep); }
  .hero .sub { margin-top: 16px; font-size: 18px; color: var(--ink-2); max-width: 640px; }
  .funnel { display: flex; align-items: center; gap: 12px; margin-top: 26px; flex-wrap: wrap; }
  .fstep { display: flex; align-items: baseline; gap: 7px; background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 8px 16px; box-shadow: var(--shadow-sm); }
  .fstep .n { font-family: var(--serif); font-weight: 700; font-size: 17px; }
  .fstep .t { font-size: 12.5px; color: var(--muted); }
  .farrow { color: var(--muted); font-size: 15px; }
  .fstep.last { background: var(--navy); border-color: var(--navy); }
  .fstep.last .n { color: var(--gold); }
  .fstep.last .t { color: #b9c4d4; }

  /* ================= Finder (search + wizard) ================= */
  .finder { margin-top: 34px; max-width: 700px; }
  .omni { position: relative; }
  .omni input { width: 100%; font-size: 16.5px; font-family: var(--sans); padding: 16px 150px 16px 50px; border-radius: 15px; border: 1.5px solid var(--line); background: var(--surface); outline: none; box-shadow: var(--shadow-md); }
  .omni input:focus { border-color: var(--accent); box-shadow: var(--shadow-md), var(--ring); }
  .omni .icon { position: absolute; left: 18px; top: 18px; color: var(--muted); }
  .omni .helpme { position: absolute; right: 8px; top: 8px; background: var(--accent-deep); color: #fff; border: none; font-family: var(--sans); font-size: 13.5px; font-weight: 700; padding: 10px 16px; border-radius: 10px; cursor: pointer; }
  .omni .helpme:hover { background: var(--navy); }
  .omni-drop { display: none; position: absolute; top: 62px; left: 0; right: 0; z-index: 60; background: var(--surface); border: 1px solid var(--line); border-radius: 13px; box-shadow: 0 18px 38px rgba(16,24,32,.15); overflow: hidden; max-height: 280px; overflow-y: auto; }
  .omni-drop.on { display: block; }
  .o-item { display: flex; align-items: center; gap: 10px; padding: 10px 16px; cursor: pointer; font-size: 14px; }
  .o-item:hover { background: var(--accent-wash); }
  .o-item .path { font-size: 11.5px; color: var(--muted); margin-left: auto; white-space: nowrap; }
  .tag { font-size: 9.5px; font-weight: 800; letter-spacing: .04em; padding: 1.5px 7px; border-radius: 999px; flex: none; }
  .tag.C { background: var(--accent-wash); color: var(--accent-deep); border: 1px solid #d0e1f7; }

  .wizbox { display: none; margin-top: 18px; background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 24px; box-shadow: var(--shadow-md); }
  .wizbox.on { display: block; animation: fade .2s ease; }
  .wiz-steps { display: flex; align-items: center; gap: 8px; margin-bottom: 14px; }
  .w-dot { width: 24px; height: 24px; border-radius: 50%; background: var(--line-soft); color: var(--muted); font-size: 12px; font-weight: 700; display: grid; place-items: center; }
  .w-dot.on { background: var(--accent-deep); color: #fff; }
  .w-line { width: 38px; height: 2px; background: var(--line); }
  .wizbox h4 { font-family: var(--serif); font-size: 19px; margin-bottom: 12px; }
  .w-opts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 9px; }
  .w-opt { background: var(--paper); border: 1.5px solid var(--line); border-radius: 11px; padding: 12px 10px; cursor: pointer; transition: all .13s ease; text-align: center; font-weight: 600; font-size: 13px; }
  .w-opt .em { display: block; font-size: 19px; margin-bottom: 4px; }
  .w-opt:hover { border-color: var(--accent); background: var(--accent-wash); color: var(--accent-deep); }
  .w-back { font-size: 12.5px; color: var(--muted); cursor: pointer; display: inline-block; margin-bottom: 8px; }
  .w-back:hover { color: var(--ink); }
  .chips { display: flex; flex-wrap: wrap; gap: 8px; }
  .chip { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 550; background: var(--paper); border: 1px solid var(--line); border-radius: 999px; padding: 6px 13px; cursor: pointer; transition: all .12s ease; }
  .chip:hover { border-color: var(--accent); color: var(--accent-deep); background: var(--accent-wash); }
  .chip.core { background: var(--accent-wash); border-color: #c7dcf5; color: var(--accent-deep); font-weight: 650; }
  .chip.core::before { content: "★"; font-size: 11px; color: var(--gold); }

  /* ================= Sections ================= */
  section.block { padding: 56px 0; }
  .sec-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: 26px; }
  .sec-head h2 { font-family: var(--serif); font-size: 29px; font-weight: 700; letter-spacing: -.01em; }
  .sec-head p { color: var(--ink-2); margin-top: 6px; font-size: 15px; max-width: 600px; }
  .sec-link { font-size: 14px; font-weight: 600; white-space: nowrap; cursor: pointer; }

  /* Explorer grid */
  .b-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 13px; }
  .b-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; cursor: pointer; transition: all .15s ease; }
  .b-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: #d8e5f6; }
  .b-card.on { border-color: var(--accent); background: var(--accent-wash); box-shadow: var(--ring); }
  .b-card .em { width: 38px; height: 38px; border-radius: 10px; background: var(--accent-wash); display: grid; place-items: center; font-size: 19px; }
  .b-card.on .em { background: #fff; }
  .b-card h4 { font-size: 15px; margin-top: 10px; letter-spacing: -.01em; }
  .b-card .n { font-size: 12px; color: var(--muted); margin-top: 3px; }
  .b-panel { margin-top: 14px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; display: none; box-shadow: var(--shadow-sm); }
  .b-panel.on { display: block; animation: fade .2s ease; }
  .b-sec h5 { font-size: 11.5px; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin: 14px 0 8px; }
  .b-sec:first-child h5 { margin-top: 0; }
  .b-note { margin-top: 14px; font-size: 12.5px; color: var(--muted); }

  /* Top picks */
  .picks { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
  .pick-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm); cursor: pointer; transition: transform .15s ease, box-shadow .15s ease; position: relative; display: flex; flex-direction: column; }
  .pick-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
  .pick-label { font-size: 12px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; padding-right: 126px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .ticker-chip { font-weight: 800; font-size: 15px; background: var(--navy); color: #fff; padding: 6px 10px; border-radius: 8px; white-space: nowrap; }
  .pick-main { display: flex; align-items: flex-start; gap: 12px; }
  .pick-main > div:last-child { margin-top: 4px; }
  .pick-name { font-size: 14.5px; font-weight: 600; line-height: 1.3; }
  .pick-issuer { font-size: 12.5px; color: var(--muted); }
  .pick-stats { display: flex; margin-top: auto; padding-top: 14px; border-top: 1px solid var(--line-soft); }
  .pick-main { margin-bottom: 18px; }
  .pick-stats div { flex: 1; min-width: 0; }
  .pick-stats .v { font-size: 17px; font-weight: 700; }
  .pick-stats .k { font-size: 11.5px; color: var(--muted); margin-top: 1px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .medal { position: absolute; top: 18px; right: 18px; font-size: 11.5px; font-weight: 700; color: #8a5b00; background: var(--gold-wash); border: 1px solid #f3ddae; padding: 4px 10px; border-radius: 999px; }
  .mkt-badge { font-size: 10px; font-weight: 800; letter-spacing: .04em; padding: 2px 7px; border-radius: 999px; background: #f1f0eb; color: #5c5a54; border: 1px solid #e0ded5; }

  /* Learn */
  .edu-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
  .edu-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease; display: flex; flex-direction: column; }
  .edu-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
  .edu-art { height: 110px; }
  .edu-body { padding: 17px 20px 20px; display: flex; flex-direction: column; flex: 1; }
  .edu-tag { font-size: 11.5px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--accent-deep); margin-bottom: 7px; }
  .edu-card h3 { font-family: var(--serif); font-size: 19px; font-weight: 700; line-height: 1.25; }
  .edu-card p { font-size: 13.5px; color: var(--ink-2); margin-top: 8px; flex: 1; }
  .edu-meta { font-size: 12.5px; color: var(--muted); margin-top: 13px; }

  /* Newsletter */
  .news-band { background: var(--navy); border-radius: 20px; padding: 44px 46px; color: #fff; display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; background-image: radial-gradient(600px 300px at 90% -40px, rgba(42,120,214,.35), transparent 70%); }
  .news-band h2 { font-family: var(--serif); font-size: 28px; font-weight: 700; }
  .news-band p { color: #b9c4d4; margin-top: 10px; font-size: 15px; max-width: 480px; }
  .news-form { display: flex; gap: 10px; }
  .news-form input { flex: 1; min-width: 0; font-size: 15px; font-family: var(--sans); padding: 13px 16px; border-radius: 10px; border: 1px solid rgba(255,255,255,.25); background: rgba(255,255,255,.08); color: #fff; outline: none; }
  .news-form input::placeholder { color: #8fa0b6; }
  .news-form input:focus { border-color: rgba(255,255,255,.55); }
  .news-form button { background: var(--gold); color: #3a2800; border: none; font-weight: 700; font-size: 15px; padding: 13px 22px; border-radius: 10px; cursor: pointer; font-family: var(--sans); white-space: nowrap; }
  .news-form button:hover { filter: brightness(1.06); }
  .news-note { font-size: 12.5px; color: #8fa0b6; margin-top: 10px; }
  .news-success { display: none; align-items: center; gap: 10px; background: rgba(12,163,12,.15); border: 1px solid rgba(12,163,12,.4); padding: 14px 16px; border-radius: 10px; font-size: 14.5px; }
  .dot-check { width: 17px; height: 17px; border-radius: 50%; background: var(--good); color: #fff; display: inline-grid; place-items: center; font-size: 10.5px; font-weight: 700; flex: none; }

  /* ================= Category page ================= */
  .crumb { font-size: 13px; color: var(--muted); margin: 26px 0 6px; display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
  .crumb a { color: var(--muted); cursor: pointer; }
  .crumb a:hover { color: var(--ink); }
  .url-chip { font-size: 11.5px; color: var(--muted); background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 2px 10px; font-family: ui-monospace, monospace; }
  .cat-hero h1 { font-family: var(--serif); font-size: clamp(32px, 4.4vw, 44px); font-weight: 700; letter-spacing: -.015em; line-height: 1.1; margin-top: 8px; }
  .updated { display: inline-flex; align-items: center; gap: 7px; font-size: 13px; color: var(--good-text); font-weight: 600; margin-top: 14px; }
  .updated .pulse { width: 8px; height: 8px; border-radius: 50%; background: var(--good); }

  .answer-box { margin-top: 22px; background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 22px; box-shadow: var(--shadow-sm); }
  .answer-box .lab { font-size: 11px; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; color: #8a5b00; }
  .answer-box p { font-size: 15.5px; margin-top: 6px; max-width: 820px; }

  .mkt-tabs { display: flex; gap: 8px; margin-top: 28px; }
  .mkt-tab { font-size: 13.5px; font-weight: 700; padding: 8px 16px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--surface); cursor: pointer; color: var(--ink-2); font-family: var(--sans); }
  .mkt-tab.on { background: var(--navy); border-color: var(--navy); color: #fff; }

  .rank-list { display: flex; flex-direction: column; gap: 14px; margin-top: 18px; }
  .mkt-head { font-size: 12px; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); margin-top: 20px; }
  .etf-row { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; box-shadow: var(--shadow-sm); display: grid; grid-template-columns: 40px 1.35fr 2fr; gap: 20px; align-items: center; }
  .etf-row.winner { border: 2px solid var(--gold); background: linear-gradient(180deg, #fffdf6, #fff); position: relative; }
  .winner-tag { position: absolute; top: -12px; left: 22px; background: var(--gold); color: #3a2800; font-size: 11.5px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; padding: 4px 12px; border-radius: 999px; }
  .rank-n { font-family: var(--serif); font-size: 25px; font-weight: 700; color: var(--muted); text-align: center; }
  .etf-row.winner .rank-n { color: var(--gold); }
  .etf-id { display: flex; flex-direction: column; gap: 8px; min-width: 0; }
  .etf-id .line1 { display: flex; align-items: center; gap: 9px; flex-wrap: wrap; }
  .etf-name { font-size: 14.5px; font-weight: 600; }
  .etf-issuer { font-size: 12.5px; color: var(--muted); }
  .score-pill { display: inline-flex; align-items: baseline; gap: 3px; background: var(--accent-wash); border: 1px solid #d5e4f7; color: var(--accent-deep); font-weight: 800; font-size: 14px; padding: 3px 10px; border-radius: 999px; }
  .score-pill small { font-weight: 600; font-size: 10.5px; color: var(--accent); }
  .why { font-size: 13.5px; color: var(--ink-2); line-height: 1.5; }
  .etf-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px 18px; align-content: center; }
  .stat .v { font-size: 17px; font-weight: 700; font-variant-numeric: tabular-nums; }
  .stat .k { font-size: 11.5px; color: var(--muted); }
  .er-viz { grid-column: 1 / -1; margin-top: 8px; }
  .er-viz .er-label { font-size: 11.5px; color: var(--muted); margin-bottom: 5px; display: flex; justify-content: space-between; }
  .er-track { height: 8px; border-radius: 4px; background: var(--line-soft); overflow: hidden; }
  .er-fill { height: 100%; border-radius: 4px; background: var(--bar); }

  .method { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 25px 28px; margin-top: 38px; }
  .method h3 { font-family: var(--serif); font-size: 21px; font-weight: 700; margin-bottom: 10px; }
  .method p { font-size: 14.5px; color: var(--ink-2); max-width: 840px; }
  .factors { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 15px; }
  .factor { font-size: 12.5px; font-weight: 600; color: var(--ink-2); background: var(--paper); border: 1px solid var(--line); padding: 6px 12px; border-radius: 999px; }

  /* FAQ (AEO) */
  .faq { margin-top: 38px; }
  .faq h3 { font-family: var(--serif); font-size: 21px; margin-bottom: 14px; }
  .faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 15px 20px; margin-bottom: 10px; }
  .faq summary { font-size: 14.5px; font-weight: 650; cursor: pointer; }
  .faq details p { font-size: 14px; color: var(--ink-2); margin-top: 10px; max-width: 800px; }

  /* ================= Article ================= */
  .article { max-width: 720px; margin: 0 auto; padding-bottom: 20px; }
  .article .a-tag { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent-deep); margin-bottom: 14px; }
  .article h1 { font-family: var(--serif); font-size: clamp(30px, 4.2vw, 42px); font-weight: 700; line-height: 1.12; letter-spacing: -.015em; }
  .article .a-meta { font-size: 13.5px; color: var(--muted); margin-top: 14px; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
  .article .a-body { margin-top: 28px; font-size: 17px; line-height: 1.75; color: #24292f; }
  .article .a-body p { margin-bottom: 20px; }
  .article .a-body h2 { font-family: var(--serif); font-size: 25px; font-weight: 700; margin: 34px 0 12px; }
  .callout { background: var(--accent-wash); border-left: 3px solid var(--accent); border-radius: 0 10px 10px 0; padding: 16px 20px; margin: 24px 0; font-size: 15.5px; color: var(--accent-deep); }

  /* ================= Footer ================= */
  footer { border-top: 1px solid var(--line); padding: 44px 0 56px; margin-top: 60px; }
  .foot-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; }
  .foot-grid h4 { font-size: 12.5px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
  .foot-grid a { display: block; color: var(--ink-2); font-size: 14px; padding: 4px 0; cursor: pointer; }
  .disclaimer { font-size: 12.5px; color: var(--muted); line-height: 1.6; border-top: 1px solid var(--line-soft); margin-top: 36px; padding-top: 20px; }

  /* ================= Responsive ================= */
  @media (max-width: 1020px) {
    .nav .m-item.hidemid { display: none; }
    .mega-cols { grid-template-columns: repeat(3, 1fr); }
  }
  @media (max-width: 860px) {
    .picks, .edu-grid { grid-template-columns: 1fr 1fr; }
    .b-grid { grid-template-columns: 1fr 1fr; }
    .w-opts { grid-template-columns: repeat(3, 1fr); }
    .news-band { grid-template-columns: 1fr; padding: 34px 26px; gap: 24px; }
    .etf-row { grid-template-columns: 32px 1fr; }
    .etf-stats { grid-column: 1 / -1; border-top: 1px solid var(--line-soft); padding-top: 14px; }
    .foot-grid { grid-template-columns: 1fr 1fr; }
    .mega-cols { grid-template-columns: 1fr 1fr; }
    .nav .m-item:not(.lnk) { display: none; }
    .m-browse { display: inline-flex !important; }
  }
  @media (max-width: 640px) {
    .picks, .edu-grid, .b-grid { grid-template-columns: 1fr; }
    .w-opts { grid-template-columns: 1fr 1fr; }
    .news-form { flex-direction: column; }
    .hero { padding: 46px 0 42px; }
    section.block { padding: 42px 0; }
    .seg-label { display: none; }
    .omni input { padding-right: 20px; }
    .omni .helpme { position: static; margin-top: 10px; width: 100%; }
    .foot-grid { grid-template-columns: 1fr; }
  }
  .m-browse { display: none; }
  .flg { display: inline-block; width: 15px; height: 11px; border-radius: 2px; overflow: hidden; vertical-align: -1px; box-shadow: 0 0 0 1px rgba(0,0,0,.08); flex: none; }
  .seg button, .mkt-tab, .mkt-head { display: inline-flex; align-items: center; gap: 6px; }

  /* ---- Market chooser modal (removed) ---- */
  .mkt-modal { position: fixed; inset: 0; z-index: 200; background: rgba(14,32,54,.55); backdrop-filter: blur(4px); display: grid; place-items: center; padding: 20px; }
  .mkt-modal.off { display: none; }
  .mkt-card { background: var(--surface); border-radius: 20px; padding: 36px 38px; max-width: 560px; width: 100%; box-shadow: 0 30px 80px rgba(14,32,54,.4); text-align: center; }
  .mkt-card h3 { font-family: var(--serif); font-size: 26px; letter-spacing: -.01em; }
  .mkt-card p { color: var(--ink-2); font-size: 14.5px; margin-top: 8px; }
  .mkt-opts { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 22px; }
  .mkt-opt { border: 2px solid var(--line); border-radius: 14px; padding: 20px 14px; cursor: pointer; transition: all .13s ease; background: var(--paper); }
  .mkt-opt:hover { border-color: var(--accent); background: var(--accent-wash); transform: translateY(-2px); }
  .mkt-opt .fl { font-size: 30px; }
  .mkt-opt .t { font-weight: 700; font-size: 15px; margin-top: 8px; }
  .mkt-opt .s { font-size: 12px; color: var(--muted); margin-top: 3px; }
  .mkt-skip { display: inline-block; margin-top: 18px; font-size: 13.5px; color: var(--accent-deep); font-weight: 600; cursor: pointer; }
  .mkt-skip:hover { text-decoration: underline; }
  .mkt-note { font-size: 11.5px; color: var(--muted); margin-top: 14px; }
  .seg { border: 1.5px solid var(--accent); background: var(--accent-wash); }
  .seg button.on { background: var(--accent-deep); color: #fff; }

  .art-figure { margin: 26px 0; padding: 18px 18px 8px; background: var(--paper-2, #f7f8fa); border: 1px solid #e6e9ee; border-radius: 12px; }
  .ext-link { display: inline-flex; align-items: center; gap: 4px; font-size: 11.5px; font-weight: 600; color: var(--accent-deep); text-decoration: none; border: 1px solid #d5e4f7; background: var(--accent-wash); padding: 3px 9px; border-radius: 999px; margin-top: 8px; }
  .ext-link:hover { background: #dcebfb; }
  .copy-btn { display: inline-flex; align-items: center; justify-content: center; width: 17px; height: 17px; border: none; background: transparent; cursor: pointer; opacity: .45; padding: 0; margin-left: 3px; vertical-align: middle; border-radius: 4px; }
  .copy-btn:hover { opacity: 1; background: var(--accent-wash); }
  .copy-btn svg { width: 12px; height: 12px; }
  .copy-btn.ok { opacity: 1; }
  .lang-wrap { position: relative; margin-left: -2px; }
  .lang-btn { display: inline-flex; align-items: center; gap: 6px; border: 1px solid transparent; background: transparent; border-radius: 999px; padding: 5px 11px; font: 500 13px Inter, system-ui, sans-serif; color: var(--ink-2); cursor: pointer; }
  .lang-btn:hover { border-color: #e3e8ef; background: #fff; color: var(--ink); }
  .lang-caret { font-size: 10px; color: var(--muted); }
  .lang-menu { display: none; position: absolute; right: 0; top: calc(100% + 6px); background: #fff; border: 1px solid #e3e8ef; border-radius: 12px; box-shadow: 0 12px 32px rgba(15,26,42,.12); min-width: 150px; padding: 6px; z-index: 90; }
  .lang-menu.on { display: block; }
  .lang-item { display: flex; justify-content: space-between; align-items: center; gap: 14px; padding: 8px 10px; border-radius: 8px; font: 600 13px Inter, system-ui, sans-serif; color: var(--ink); cursor: pointer; }
  .lang-item:hover { background: var(--accent-wash); }
  .lang-item.soon { color: var(--muted); cursor: default; }
  .lang-check { color: var(--accent-deep); }
  .lang-soon { font-size: 10px; font-weight: 700; color: #9aa4b2; border: 1px solid #e3e8ef; border-radius: 999px; padding: 1px 7px; }
  .nl-prefs { display: flex; gap: 8px; margin-top: 14px; font-size: 12.5px; align-items: center; flex-wrap: wrap; }
  .nl-lab { color: #b9c4d4; font-weight: 600; margin-right: 2px; }
  .nl-chip { border: 1px solid rgba(255,255,255,.28); color: #dbe4f0; border-radius: 999px; padding: 4px 12px; cursor: pointer; font-weight: 600; user-select: none; transition: all .12s ease; }
  .nl-chip:hover { border-color: rgba(255,255,255,.55); }
  .nl-chip.on { background: var(--gold, #eda100); border-color: var(--gold, #eda100); color: #2a2000; }
  /* ---- Learn hub ---- */
  .learn-hero { padding: 44px 0 10px; }
  .learn-hero h1 { font-family: var(--serif); font-size: clamp(30px, 4.4vw, 42px); letter-spacing: -.015em; }
  .learn-hero p { color: var(--ink-2); margin-top: 10px; max-width: 640px; font-size: 15.5px; }
  .learn-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 30px; }
  .learn-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease; }
  .learn-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
  .learn-card .ic { width: 40px; height: 40px; border-radius: 10px; background: var(--accent-wash); display: grid; place-items: center; font-size: 19px; margin-bottom: 12px; }
  .learn-card h3 { font-family: var(--serif); font-size: 18.5px; line-height: 1.25; }
  .learn-card p { font-size: 13.5px; color: var(--ink-2); margin-top: 7px; }
  .learn-card .n { font-size: 12px; color: var(--muted); margin-top: 12px; }
  .learn-card.special { border: 2px solid var(--gold); background: linear-gradient(180deg, #fffdf6, #fff); position: relative; }
  .learn-card.special .ic { background: var(--gold-wash); }
  .special-tag { position: absolute; top: -11px; left: 20px; background: var(--gold); color: #3a2800; font-size: 10.5px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; padding: 3px 11px; border-radius: 999px; }

  /* ---- Portfolios ---- */
  .pf-hero { padding: 44px 0 8px; }
  .pf-hero .ptag { display: inline-flex; align-items: center; gap: 7px; background: var(--gold-wash); border: 1px solid #f3ddae; color: #8a5b00; font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; padding: 5px 13px; border-radius: 999px; margin-bottom: 14px; }
  .pf-hero h1 { font-family: var(--serif); font-size: clamp(30px, 4.4vw, 42px); letter-spacing: -.015em; }
  .pf-hero p { color: var(--ink-2); margin-top: 10px; max-width: 680px; font-size: 15.5px; }
  .persona-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 13px; margin-top: 28px; }
  .persona { background: var(--surface); border: 1.5px solid var(--line); border-radius: var(--radius); padding: 20px 18px; cursor: pointer; transition: all .14s ease; }
  .persona:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
  .persona.on { border-color: var(--gold); background: linear-gradient(180deg, #fffdf6, #fff); box-shadow: var(--shadow-md); }
  .persona .em { font-size: 26px; }
  .persona h4 { font-size: 15px; margin-top: 10px; letter-spacing: -.01em; }
  .persona p { font-size: 12.5px; color: var(--ink-2); margin-top: 5px; line-height: 1.45; }
  .pf-detail { margin-top: 22px; background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 28px 30px; display: none; box-shadow: var(--shadow-sm); }
  .pf-detail.on { display: block; animation: fade .2s ease; }
  .pf-detail h3 { font-family: var(--serif); font-size: 23px; }
  .pf-detail .story { color: var(--ink-2); font-size: 14.5px; margin-top: 8px; max-width: 780px; }
  .alloc-bar { display: flex; gap: 2px; height: 34px; border-radius: 8px; overflow: hidden; margin-top: 20px; }
  .alloc-seg { display: grid; place-items: center; color: #fff; font-size: 12px; font-weight: 700; min-width: 46px; }
  .alloc-legend { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 10px; font-size: 12.5px; color: var(--ink-2); }
  .alloc-legend span { display: inline-flex; align-items: center; gap: 6px; }
  .alloc-dot { width: 10px; height: 10px; border-radius: 3px; }
  .pf-funds { margin-top: 22px; display: flex; flex-direction: column; gap: 10px; }
  .pf-fund { display: flex; align-items: center; gap: 12px; border: 1px solid var(--line); border-radius: 11px; padding: 12px 16px; background: var(--paper); flex-wrap: wrap; }
  .pf-fund .pct { font-family: var(--serif); font-weight: 700; font-size: 17px; width: 46px; }
  .pf-fund .role { font-size: 12px; color: var(--muted); margin-left: auto; }
  .pf-grow { margin-top: 22px; background: var(--accent-wash); border: 1px solid #d5e4f7; border-radius: 12px; padding: 16px 20px; font-size: 14px; color: var(--accent-deep); }
  .pf-note { font-size: 12px; color: var(--muted); margin-top: 16px; line-height: 1.55; }

  /* ---- Homepage portfolios teaser ---- */
  .pf-teaser { border: 2px solid var(--gold); background: linear-gradient(135deg, #fffdf6, #fff); border-radius: 18px; padding: 28px 30px; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease; }
  .pf-teaser:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
  .pf-teaser .big { font-size: 34px; }
  .pf-teaser h3 { font-family: var(--serif); font-size: 21px; }
  .pf-teaser p { font-size: 14px; color: var(--ink-2); margin-top: 4px; max-width: 560px; }
  .pf-teaser .cta { margin-left: auto; background: var(--gold); color: #3a2800; font-weight: 700; font-size: 14px; padding: 11px 20px; border-radius: 10px; white-space: nowrap; }

  @media (max-width: 860px) {
    .learn-grid { grid-template-columns: 1fr 1fr; }
    .persona-grid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 640px) {
    .learn-grid, .persona-grid, .mkt-opts { grid-template-columns: 1fr; }
    .pf-teaser .cta { margin-left: 0; }
  }

  /* ---- Mobile pass (v16) ---- */
  @media (max-width: 760px) {
    .wrap { padding-left: 16px; padding-right: 16px; }
    .nav { flex-wrap: wrap; row-gap: 6px; padding-top: 8px; padding-bottom: 8px; }
    .head-right { order: 5; flex-basis: 100%; display: flex; align-items: center; min-width: 0; max-width: 100%; }
    .seg { flex: 1 1 0; min-width: 0; max-width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: none; }
    body { overflow-x: hidden; }
    .seg::-webkit-scrollbar { display: none; }
    .seg button { flex: 0 0 auto; }
    .lang-wrap { margin-left: 6px; flex: 0 0 auto; }
    .hero h1 { font-size: clamp(34px, 9.5vw, 44px); }
    .hero .sub { font-size: 15px; }
    .fsteps, .hero-steps { flex-wrap: wrap; row-gap: 8px; }
    .fstep { flex: 0 0 auto; }
    .omni { flex-wrap: wrap; }
    .mkt-tabs { overflow-x: auto; -webkit-overflow-scrolling: touch; flex-wrap: nowrap; scrollbar-width: none; padding-bottom: 4px; }
    .mkt-tabs::-webkit-scrollbar { display: none; }
    .mkt-tab { flex: 0 0 auto; }
    .cat-hero h1 { font-size: clamp(26px, 7.5vw, 34px); }
    .answer-box { padding: 16px 16px; }
    .etf-row { padding: 16px 14px; gap: 12px; }
    .etf-stats { grid-template-columns: repeat(3, 1fr); gap: 10px; }
    .etf-stats .stat .v { font-size: 16px; }
    .rank-n { font-size: 19px; }
    .line1 { flex-wrap: wrap; }
    .url-chip { display: none; }
    .method, .faq { padding: 18px 16px; }
    .a-body { font-size: 15.5px; }
    .article { padding: 0; }
    .learn-hero h1 { font-size: clamp(26px, 7.5vw, 34px); }
    .proto-note { font-size: 10px; padding: 5px 10px; }
    .mega { position: fixed; inset: auto 0 0 0; max-height: 72vh; overflow-y: auto; border-radius: 16px 16px 0 0; }
    .mega-cols { grid-template-columns: 1fr; }
    .news-band h2 { font-size: 22px; }
    .foot-grid > div { min-width: 0; }
    .pick-stats { grid-template-columns: repeat(3, 1fr); }
    .b-card { padding: 16px; }
    .edu-card h3 { font-size: 16px; }
    .wiz { padding: 16px; }
    .chips { max-height: 260px; overflow-y: auto; }
  }
  @media (max-width: 400px) {
    .hero h1 { font-size: 31px; }
    .etf-stats { grid-template-columns: 1fr 1fr; }
    .etf-stats .stat:last-child { display: none; }
  }


  /* ---- Mobile app-shell (v18) ---- */
  .mbar, .msheet, .mbackdrop { display: none; }
  @media (max-width: 760px) {
    header { position: sticky; top: 0; z-index: 60; background: var(--paper, #faf9f6); box-shadow: 0 1px 0 rgba(15,26,42,.07); }
    .head-right { display: flex !important; order: 0; flex-basis: auto; min-width: 0; margin-left: auto; gap: 0; }
    .head-right .seg, .head-right .seg-label { display: none !important; }
    .lang-wrap { margin-left: 0; }
    .lang-btn { padding: 7px 12px; font-size: 13.5px; }
    .m-browse { display: none !important; }
    .m-item.lnk { display: none !important; }           /* market toggle moves to the Listings sheet */
    .nav { flex-wrap: nowrap; }
    body { padding-bottom: calc(64px + env(safe-area-inset-bottom)); }

    .mbar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
      background: #fff; border-top: 1px solid var(--line); padding: 6px 8px calc(6px + env(safe-area-inset-bottom));
      justify-content: space-around; }
    .mbar button { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 3px;
      border: none; background: none; font: 600 10.5px Inter, system-ui, sans-serif; color: var(--ink-2);
      padding: 5px 2px; cursor: pointer; border-radius: 10px; min-height: 48px; }
    .mbar button.on { color: var(--accent-deep); }
    .mbar .ic { font-size: 19px; line-height: 1; height: 22px; display: flex; align-items: center; justify-content: center; }
    .mbar .mflag { height: 22px; display: flex; align-items: center; justify-content: center; }
    .mbar .mflag .flg { transform: scale(1.2); display: inline-flex; margin: 0; }

    .mbackdrop.on { display: block; position: fixed; inset: 0; background: rgba(10,16,26,.45); z-index: 90; }
    .msheet.on { display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 95;
      background: #fff; border-radius: 18px 18px 0 0; max-height: 82vh; overflow-y: auto;
      padding: 10px 16px calc(20px + env(safe-area-inset-bottom));
      box-shadow: 0 -18px 50px rgba(10,16,26,.25); animation: sheetup .18s ease; }
    @keyframes sheetup { from { transform: translateY(30px); opacity: .6; } to { transform: none; opacity: 1; } }
    .msheet .grabzone { padding: 10px 0 6px; margin: -10px -16px 6px; cursor: pointer; }
    .msheet .grab { width: 44px; height: 5px; border-radius: 3px; background: #c9d0da; margin: 0 auto; }
    .msheet .mclose { position: absolute; top: 10px; right: 12px; width: 34px; height: 34px; border-radius: 50%;
      border: none; background: #f0f1f4; color: var(--ink-2); font-size: 14px; cursor: pointer; }
    .msheet { position: fixed; }
    .msheet h3 { font: 700 15px Inter, system-ui, sans-serif; margin: 4px 0 12px; color: var(--ink); }

    .msheet .mkt-opt { display: flex; align-items: center; gap: 12px; width: 100%; border: 1px solid var(--line);
      background: #fff; border-radius: 12px; padding: 13px 14px; margin-bottom: 8px;
      font: 600 14.5px Inter, system-ui, sans-serif; color: var(--ink); cursor: pointer; }
    .msheet .mkt-opt.on { border-color: var(--accent); background: var(--accent-wash); color: var(--accent-deep); }
    .msheet .mkt-opt .flg { transform: scale(1.25); margin-right: 2px; }
    .msheet .mkt-opt .tick { margin-left: auto; color: var(--accent-deep); font-weight: 800; }

    .macc { border-bottom: 1px solid var(--line-soft, #eee9df); }
    .macc > button { width: 100%; display: flex; align-items: center; gap: 9px; background: none; border: none;
      font: 700 14.5px Inter, system-ui, sans-serif; color: var(--ink); padding: 13px 2px; cursor: pointer; }
    .macc > button .car { margin-left: auto; color: var(--muted); transition: transform .15s; font-size: 12px; }
    .macc.open > button .car { transform: rotate(90deg); }
    .macc .mgrp { display: none; padding: 0 0 10px; }
    .macc.open .mgrp { display: block; }
    .macc h5 { font: 700 11px Inter, system-ui, sans-serif; letter-spacing: .06em; text-transform: uppercase;
      color: var(--muted); margin: 10px 0 4px; }
    .macc a { display: block; padding: 9px 8px; border-radius: 8px; font: 500 14px Inter, system-ui, sans-serif;
      color: var(--ink); cursor: pointer; }
    .macc a:active { background: var(--accent-wash); }
    .macc a .star { color: var(--gold); margin-right: 4px; }

    /* swipeable featured cards */
    .picks { display: flex !important; overflow-x: auto; scroll-snap-type: x mandatory; gap: 12px;
      -webkit-overflow-scrolling: touch; scrollbar-width: none; padding-bottom: 6px; }
    .picks::-webkit-scrollbar { display: none; }
    .picks .pick-card { flex: 0 0 86%; scroll-snap-align: start; }

    .copy-btn { width: 24px; height: 24px; }
    .copy-btn svg { width: 14px; height: 14px; }
  }