/* ---------- page base (scoped so site chrome is untouched) ---------- */
.v3-page { background: #FAF6EF; color: #2B2B2B;
  font-family: 'DM Sans', system-ui, sans-serif; }
.v3-page .v3-container { max-width: 1280px; margin: 0 auto;
  padding: 0 2rem; }

/* ---------- HERO (full-width navy panel + banner graphic) ---------- */
.v3-hero { position: relative; overflow: hidden; color: #fff;
  background: linear-gradient(160deg, #3A3A55 0%, #23233E 55%, #17172B 100%);
  /* clears the fixed site nav — v2's kicker was clipped by it */
  padding: 8rem 0 3.5rem; }
.v3-hero-graphic { position: absolute; top: 0; right: -4%; bottom: 0;
  width: 58%; pointer-events: none; opacity: .55; }
.v3-hero-graphic svg { width: 100%; height: 100%; display: block; }
.v3-hero-inner { position: relative; z-index: 1; }
.v3-breadcrumb { font-size: .95rem; opacity: .85; margin-bottom: 1.5rem; }
.v3-breadcrumb a { color: #fff; text-decoration: underline;
  text-underline-offset: 3px; }
.v3-kicker { font-family: 'Playfair Display', Georgia, serif;
  font-style: italic; color: #D9BE7A; letter-spacing: .18em;
  text-transform: uppercase; font-size: .85rem; margin-bottom: 1.25rem; }
.v3-hero h1 { font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700; line-height: 1.08; margin: 0 0 1.25rem;
  font-size: clamp(2.5rem, 5.2vw, 4.25rem); max-width: 18ch; color: #fff; }
.v3-standfirst { font-size: 1.25rem; line-height: 1.55; color: #D9D9E3;
  max-width: 62ch; margin: 0 0 1.75rem; }
.v3-pills { display: flex; flex-wrap: wrap; gap: .6rem; align-items: center; }
.v3-pill { display: inline-flex; align-items: center; gap: .5rem;
  border: 1px solid rgba(255,255,255,.35); border-radius: 999px;
  padding: .5rem 1rem; font-size: .95rem; color: #fff;
  background: transparent; }
.v3-pill-solid { background: #B91C1C; border-color: #B91C1C;
  font-weight: 700; }
.v3-pill .v3-monogram { width: 1.6rem; height: 1.6rem; border-radius: 50%;
  border: 1px solid rgba(255,255,255,.5); display: inline-grid;
  place-items: center; font-family: 'Playfair Display', Georgia, serif;
  font-size: .7rem; }

/* ---------- 3-COLUMN BODY GRID ---------- */
.v3-layout { padding: 2.5rem 0 4rem; }
.v3-grid { display: grid; gap: 2rem; align-items: start;
  grid-template-columns: 220px minmax(0, 1fr) 320px; }

/* left: ON THIS PAGE table of contents */
.v3-toc { position: sticky; top: 110px; }
.v3-toc .v3-kicker { color: #8A6D2B; font-style: normal;
  font-family: 'DM Sans', system-ui, sans-serif; font-weight: 700;
  letter-spacing: .18em; margin-bottom: 1rem; }
.v3-toc ul { list-style: none; margin: 0; padding: 0;
  border-left: 1px solid #E5DDC9; }
.v3-toc li a { display: block; padding: .6rem 0 .6rem 1rem;
  color: #4B5563; text-decoration: none; font-size: .98rem;
  line-height: 1.45; border-left: 3px solid transparent;
  margin-left: -2px; }
.v3-toc li a:hover { color: #B91C1C; }
.v3-toc li a.v3-toc-active { color: #B91C1C; font-weight: 700;
  border-left-color: #B91C1C; }

/* center: article column */
.v3-center { min-width: 0; }
.v3-center p { font-size: 1.125rem; line-height: 1.8; margin: 0 0 1.25rem; }
.v3-center h2 { font-family: 'Playfair Display', Georgia, serif;
  font-size: 2.25rem; line-height: 1.2; margin: 2.75rem 0 1rem;
  scroll-margin-top: 110px; color: #1F2937; }
.v3-center h3 { font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.5rem; line-height: 1.3; margin: 2rem 0 .75rem; color: #1F2937; }
.v3-center ul, .v3-center ol { font-size: 1.125rem; line-height: 1.8;
  margin: 0 0 1.25rem; padding-left: 1.4rem; }
.v3-center li { margin-bottom: .5rem; }
.v3-back { display: inline-flex; align-items: center; gap: .4rem;
  border: 1px solid #D9C98A; background: #FFFEFA; color: #B91C1C;
  border-radius: 999px; padding: .5rem 1.1rem; font-weight: 700;
  text-decoration: none; margin-bottom: 1.75rem; }

/* byline strip + Listen */
.v3-byline { display: flex; align-items: center; gap: 1rem;
  flex-wrap: wrap; margin-bottom: 2rem; }
.v3-byline img { width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover; border: 3px solid #C5A55D; }
.v3-byline .v3-byline-name { font-weight: 700; font-size: 1.05rem; }
.v3-byline .v3-byline-meta { color: #6B7280; font-size: .95rem; }
.v3-listen { margin-left: auto; border: 1.5px solid #C5A55D;
  background: #FFFEFA; color: #7A5A00; border-radius: 999px;
  padding: .7rem 1.25rem; font-weight: 700; cursor: pointer;
  font-size: 1rem; }
.v3-listen:hover { background: #FBF3DF; }
.v3-audio { width: 100%; margin: .5rem 0 1.5rem; }

/* KEY TAKEAWAYS — full center-column width, large, gold-rimmed */
.v3-takeaways { background: #FFFFFF; border: 2px solid #C5A55D;
  border-radius: 22px; padding: 1.5rem 1.6rem; margin: 0 0 2rem; }
.v3-takeaways .v3-kicker { color: #8A6D2B; font-style: normal;
  font-family: 'DM Sans', system-ui, sans-serif; font-weight: 700;
  letter-spacing: .18em; margin-bottom: 1rem; }
.v3-takeaways ul { list-style: none; padding: 0; margin: 0; }
.v3-takeaways li { position: relative; padding-left: 1.5rem;
  font-size: 1.05rem; line-height: 1.7; margin-bottom: .85rem; }
.v3-takeaways li::before { content: '•'; position: absolute; left: 0;
  color: #C5A55D; font-size: 1.4rem; line-height: 1.2; }

/* RED DROP CAP — big serif first letter, eBUDDY red */
.v3-dropcap::first-letter { font-family: 'Playfair Display', Georgia, serif;
  font-size: 5.4em; font-weight: 700; line-height: .82; float: left;
  padding: .06em .14em 0 0; color: #B91C1C; }

/* FIRM CARD — overlapping pill tab on the gold top border */
.v3-firm-wrap { position: relative; margin: 3rem 0; }
.v3-firm-tab { position: absolute; top: -17px; left: 50%;
  transform: translateX(-50%); z-index: 2; white-space: nowrap;
  background: #FBF6EC; border: 1px solid #D9C98A; border-radius: 999px;
  padding: .45rem 1.15rem; display: flex; gap: 1.25rem; align-items: center;
  font-family: 'Playfair Display', Georgia, serif; font-style: italic;
  font-size: .95rem; color: #4B5563; box-shadow: 0 2px 8px rgba(0,0,0,.06); }
.v3-firm-tab .v3-kicker { margin: 0; font-style: normal; font-size: .8rem; }
.v3-firm-tab a { color: #6B7280; text-decoration: none; white-space: nowrap; }
.v3-firm-card { background: #FFFFFF; border: 1px solid #D9C98A;
  border-top: 2px solid #C5A55D; border-radius: 20px;
  padding: 2.25rem 1.5rem 1.5rem; }
.v3-firm-card h3 { margin-top: 0; }
.v3-price-row { display: flex; justify-content: space-between; gap: 1rem;
  padding: .7rem 0; border-bottom: 1px dashed #D8D0B8; font-size: 1.05rem; }
.v3-price-row:last-of-type { border-bottom: none; }
.v3-price-row .v3-price { font-weight: 700; white-space: nowrap; }
.v3-firm-foot { font-size: .95rem; color: #6B7280; margin-top: 1rem; }
.v3-firm-foot a { color: #B91C1C; }

/* buttons */
.v3-btn-red { display: inline-block; background: #B91C1C; color: #fff;
  border-radius: 12px; padding: .9rem 1.5rem; font-weight: 700;
  text-decoration: none; font-size: 1.05rem;
  transition: background .2s ease, transform .2s ease, box-shadow .2s ease; }
.v3-btn-red:hover { background: #991B1B; color: #fff; }
.v3-btn-outline-light { display: inline-block; background: rgba(255,255,255,.08);
  color: #fff; border: 1px solid rgba(255,255,255,.45); border-radius: 12px;
  padding: .9rem 1.5rem; font-weight: 700; text-decoration: none;
  font-size: 1.05rem; transition: background .2s ease, color .2s ease; }
.v3-btn-outline-light:hover { background: rgba(255,255,255,.16); color: #fff; }

/* FAQ accordion — gold + that rotates open */
.v3-faq-item { background: #FFFFFF; border: 1px solid #E5DDC9;
  border-radius: 16px; margin-bottom: .75rem; overflow: hidden; }
.v3-faq-q { width: 100%; display: flex; justify-content: space-between;
  align-items: center; gap: 1rem; text-align: left; background: none;
  border: none; cursor: pointer; padding: 1.1rem 1.4rem;
  font-family: 'DM Sans', system-ui, sans-serif; font-size: 1.1rem;
  font-weight: 700; color: #1F2937; }
.v3-faq-plus { color: #C5A55D; font-size: 1.6rem; line-height: 1;
  font-weight: 400; transition: transform .2s ease; flex-shrink: 0; }
.v3-faq-item.open .v3-faq-plus { transform: rotate(45deg); }
.v3-faq-a { display: none; padding: 0 1.4rem 1.4rem; }
.v3-faq-item.open .v3-faq-a { display: block; animation: v3-faqin .3s ease; }
.v3-faq-a p { font-size: 1.05rem; }

/* sources / disclaimer / question cards (center column) */
.v3-card { background: #FFFFFF; border: 1px solid #E5DDC9;
  border-radius: 20px; padding: 1.4rem 1.5rem; margin: 2rem 0; }
.v3-card-cream { background: #FBF6EC; }
.v3-card .v3-kicker { color: #8A6D2B; font-style: normal;
  font-family: 'DM Sans', system-ui, sans-serif; font-weight: 700;
  letter-spacing: .18em; margin-bottom: .75rem; }
.v3-card h3 { margin-top: 0; }

/* right sidebar */
.v3-side { display: flex; flex-direction: column; gap: 1.25rem; }
.v3-dark { background: linear-gradient(160deg, rgba(35,35,62,.94), rgba(23,23,43,.96));
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.14);
  box-shadow: 0 12px 32px rgba(0,0,0,.25);
  color: #fff; border-radius: 20px; padding: 1.5rem; }
.v3-dark .v3-seal { width: 64px; height: 64px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,.35); background: #fff; overflow: hidden;
  display: block; margin-bottom: 1.25rem; }
.v3-dark .v3-seal img { width: 100%; height: 100%; object-fit: contain;
  padding: 5px; box-sizing: border-box; }
.v3-dark h3 { font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.5rem; margin: 0 0 .75rem; color: #fff; }
.v3-dark p { font-size: 1rem; line-height: 1.65; color: #D9D9E3; }
.v3-dark .v3-btn-red { display: block; text-align: center; margin: .5rem 0; }
.v3-dark .v3-btn-outline-light { display: block; text-align: center; }
.v3-dark .v3-trust { font-size: .88rem; color: #A8A8C0; text-align: center;
  line-height: 1.55; margin-top: 1rem; }
.v3-dark .v3-talk { color: #D9BE7A; font-weight: 700; text-decoration: none;
  display: block; text-align: center; margin-top: 1rem; line-height: 1.5; }
.v3-dark .v3-talk:hover { color: #E8D5A3; }
.v3-side-card { background: #FFFFFF; border: 1px solid #E5DDC9;
  border-radius: 20px; padding: 1.25rem 1.35rem; }
.v3-side-card .v3-kicker { color: #8A6D2B; font-style: normal;
  font-family: 'DM Sans', system-ui, sans-serif; font-weight: 700;
  letter-spacing: .18em; margin-bottom: 1rem; }
.v3-side-card ul { list-style: none; margin: 0; padding: 0; }
.v3-side-card li { padding: .7rem 0; border-bottom: 1px solid #EFE9D8; }
.v3-side-card li:last-child { border-bottom: none; }
.v3-side-card li a { color: #1F2937; text-decoration: none; font-weight: 600;
  line-height: 1.45; display: block; }
.v3-side-card li a:hover { color: #B91C1C; }
.v3-side-card li .v3-label { display: block; color: #6B7280;
  font-size: .85rem; font-weight: 400; margin-top: .2rem; }

/* prev / next */
.v3-prevnext { display: flex; justify-content: space-between; gap: 2rem;
  border-top: 1px solid #E5DDC9; border-bottom: 1px solid #E5DDC9;
  padding: 1.5rem 0; margin: 2.5rem 0; }
.v3-prevnext a { text-decoration: none; max-width: 45%; }
.v3-prevnext .v3-pn-label { color: #8A6D2B; font-weight: 700;
  letter-spacing: .18em; font-size: .8rem; text-transform: uppercase; }
.v3-prevnext .v3-pn-title { font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.15rem; color: #1F2937; line-height: 1.35; display: block;
  margin-top: .4rem; }
.v3-prevnext .v3-pn-next { text-align: right; margin-left: auto; }

/* question form (center column) */
.v3-form { background: #FFFEFA; border: 1px solid #E5DDC9;
  border-radius: 20px; padding: 1.5rem; margin: 2rem 0; }
.v3-form h3 { font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.6rem; margin: 0 0 1.25rem; }
.v3-form .v3-form-label { font-weight: 700; letter-spacing: .12em;
  font-size: .82rem; text-transform: uppercase; display: flex;
  justify-content: space-between; gap: 1rem; margin-bottom: .75rem; }
.v3-form .v3-form-label span:last-child { color: #1E7D32;
  letter-spacing: 0; text-transform: none; font-weight: 400; }
.v3-topic-pills { display: flex; flex-wrap: wrap; gap: .5rem;
  margin-bottom: 1.25rem; }
.v3-topic { border: 1px solid #D8D0B8; background: #fff;
  border-radius: 999px; padding: .5rem 1rem; cursor: pointer;
  font-size: .98rem; font-family: inherit;
  transition: background .2s ease, color .2s ease, border-color .2s ease; }
.v3-topic.sel { background: #B91C1C; border-color: #B91C1C;
  color: #fff; font-weight: 700; }
.v3-starter { display: block; width: 100%; text-align: left;
  border: 1px dashed #C9BFA0; background: #FFFEFA; border-radius: 10px;
  padding: .7rem 1rem; margin-bottom: .5rem; cursor: pointer;
  font-style: italic; color: #4B5563; font-size: .98rem; font-family: inherit; }
.v3-form textarea { width: 100%; box-sizing: border-box; min-height: 120px;
  border: 1px solid #D8D0B8; border-radius: 12px; padding: 1rem;
  font-size: 1.02rem; font-family: inherit; resize: vertical; }
.v3-form .v3-btn-red { width: 100%; text-align: center; border: none;
  cursor: pointer; font-family: inherit; margin-top: 1rem; }
.v3-form .v3-trust { font-size: .88rem; color: #6B7280; text-align: center;
  margin-top: .9rem; line-height: 1.55; }
.v3-form .v3-status { font-size: .9rem; text-align: center; margin-top: .6rem; }

/* subscribe card */
.v3-subscribe { background: #FFFFFF; border: 2px solid #C5A55D;
  border-radius: 20px; padding: 1.5rem; margin: 2rem 0; }
.v3-subscribe h3 { margin-top: 0; }
.v3-subscribe .v3-sub-row { display: flex; gap: .6rem; flex-wrap: wrap; }
.v3-subscribe input[type="email"] { flex: 1; min-width: 220px;
  border: 1px solid #D8D0B8; border-radius: 12px; padding: .85rem 1rem;
  font-size: 1rem; font-family: inherit; }

/* tags + article details */
.v3-tags { display: flex; flex-wrap: wrap; gap: .5rem; margin: 1.5rem 0; }
.v3-tag { border: 1px solid #D9C98A; border-radius: 999px; padding: .35rem .9rem;
  font-size: .9rem; color: #4B5563; background: #FFFEFA; }
.v3-details { font-size: .92rem; color: #6B7280; line-height: 1.6;
  border-top: 1px solid #E5DDC9; padding-top: 1.25rem; margin-top: 2rem; }
.v3-details > p:first-child strong { font-size: 1.1rem; letter-spacing: .02em;
  color: #1a1a1a; }
.v3-details-list { list-style: none; margin: .75rem 0 0; padding: 0;
  font-size: .98rem; line-height: 1.65; color: #2B2B2B; }
.v3-details-list li { position: relative; padding-left: 1.4rem;
  margin-bottom: .55rem; }
.v3-details-list li::before { content: ''; position: absolute; left: 0;
  top: .6em; width: 7px; height: 7px; border-radius: 50%;
  background: #C5A55D; }
.v3-details-list li strong { color: #1a1a1a; }
.v3-details-list li em { color: #3a3a3a; }
.v3-details-list .cat-pill { vertical-align: middle; }

/* floating question pill (desktop) + sticky bar (mobile) */
.v3-floatq-wrap { position: fixed; right: 1.5rem; bottom: 1.5rem; z-index: 900;
  display: flex; align-items: center; gap: .4rem; }
.v3-floatq { display: flex; align-items: center; gap: .55rem;
  background: rgba(255,255,255,.78); backdrop-filter: blur(12px) saturate(1.2);
  -webkit-backdrop-filter: blur(12px) saturate(1.2);
  border: 1px solid rgba(255,255,255,.7); box-shadow: 0 8px 28px rgba(0,0,0,.14);
  border-radius: 999px; padding: .75rem 1.2rem; color: #1F2937;
  font-weight: 700; text-decoration: none; transition: box-shadow .25s ease; }
.v3-floatq:hover { color: #1F2937; box-shadow: 0 12px 32px rgba(0,0,0,.18); }
.v3-floatq-x { width: 1.8rem; height: 1.8rem; border-radius: 50%;
  border: 1px solid #E5DDC9; background: rgba(255,255,255,.85);
  backdrop-filter: blur(8px); color: #6B7280; cursor: pointer;
  font-size: 1rem; line-height: 1; flex-shrink: 0; }
.v3-floatq .v3-dot { width: .7rem; height: .7rem; border-radius: 50%;
  background: #1E7D32; display: inline-block; }
.v3-stickybar { display: none; }

/* ---------- responsive: collapse to one column ---------- */
@media (max-width: 1023px) {
  .v3-hero { padding: 6.5rem 0 2.5rem; }
  .v3-hero-graphic { display: none; }
  .v3-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .v3-toc { position: static; background: #FFFFFF;
    border: 1px solid #E5DDC9; border-radius: 20px; padding: 1.25rem 1.5rem; }
  .v3-toc ul { border-left: none; }
  .v3-toc li a { border-left: none; margin-left: 0; padding-left: 0; }
  .v3-toc li a.v3-toc-active { border-left: none; }
  .v3-floatq-wrap { display: none; }
  .v3-stickybar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 900;
    display: flex; gap: .6rem; padding: .7rem 1rem calc(.7rem + env(safe-area-inset-bottom));
    background: rgba(250,246,239,.85); border-top: 1px solid #E5DDC9;
    backdrop-filter: blur(10px) saturate(1.2); -webkit-backdrop-filter: blur(10px) saturate(1.2); }
  .v3-stickybar a { flex: 1; text-align: center; padding: .8rem .5rem;
    font-size: .98rem; }
  .v3-layout { padding-bottom: 6rem; }
  .v3-firm-tab { white-space: normal; text-align: center; width: 86%; }
  .v3-firm-tab a { display: none; }
  .v3-center h2 { font-size: 1.9rem; }
}
@media (max-width: 560px) {
  .v3-page .v3-container { padding: 0 1.1rem; }
  .v3-takeaways { padding: 1.5rem 1.35rem; }
  .v3-firm-card { padding: 2.5rem 1.25rem 1.5rem; }
  .v3-dropcap::first-letter { font-size: 4.6em; }
  .v3-prevnext { flex-direction: column; }
  .v3-prevnext a { max-width: 100%; }
  .v3-prevnext .v3-pn-next { text-align: left; margin-left: 0; }
}

/* v3 additions: form / prev-next / sidebar leftovers */
.v3-coming { color: #8a8a8a; font-size: .85rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .08em; }
.v3-foot { font-size: .9rem; color: #6b7280; margin-top: 1rem; }
.v3-src-list { margin: 0; padding-left: 1.4rem; line-height: 1.8; }
.v3-src-note { font-size: .92rem; color: #6b7280; margin: 1rem 0 0; }
.v3-subscribe .v3-trust { font-size: .88rem; color: #6b7280;
  text-align: center; margin-top: .9rem; }
.v3-stickybar .v3-sb-ask { border: 1.5px solid #d8cfaf; color: #1a1a1a;
  background: #fff; border-radius: 12px; text-decoration: none;
  font-weight: 700; }
.v3-stickybar .v3-sb-go { background: #b91c1c; color: #fff;
  border-radius: 12px; text-decoration: none; font-weight: 700; }
.v3-stickybar .v3-sb-ask:hover { background: #FBF6EC; color: #1a1a1a; }
.v3-stickybar .v3-sb-go:hover { background: #991B1B; color: #fff; }

/* v3.1: soft shadows + hover lift on tiles, hero drift, FAQ fade */
.v3-card, .v3-side-card, .v3-takeaways, .v3-firm-card, .v3-form, .v3-subscribe {
  box-shadow: 0 2px 12px rgba(60,45,10,.06);
  transition: transform .25s ease, box-shadow .25s ease; }
.v3-card:hover, .v3-side-card:hover, .v3-takeaways:hover, .v3-firm-card:hover,
.v3-subscribe:hover { transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(60,45,10,.12); }
@keyframes v3-faqin { from { opacity: 0; transform: translateY(-4px); }
  to { opacity: 1; transform: translateY(0); } }
@keyframes v3-drift { from { transform: translateY(0); }
  to { transform: translateY(-10px); } }
.v3-hero-graphic { animation: v3-drift 14s ease-in-out infinite alternate; }
@media (prefers-reduced-motion: reduce) {
  .v3-hero-graphic { animation: none; }
  .v3-card, .v3-side-card, .v3-takeaways, .v3-firm-card, .v3-form,
  .v3-subscribe { transition: none; }
  .v3-faq-item.open .v3-faq-a { animation: none; }
}

/* v3.1: face avatar in the hero byline pill (replaces the MA monogram) */
.v3-face { width: 1.6rem; height: 1.6rem; border-radius: 50%;
  object-fit: cover; vertical-align: middle; margin-right: .35rem;
  border: 1px solid rgba(255,255,255,.5); }