/*
Theme Name: Financial Tips Daily
Theme URI: https://financialtipsdaily.org
Author: Financial Tips Daily
Author URI: https://financialtipsdaily.org
Description: A premium, fast, SEO-optimized finance blog theme. Budgeting, investing, and credit made simple. Ships with a styled homepage, category archives, article layout, original illustrations, JSON-LD schema, and a matching newsletter section.
Version: 1.0
Requires at least: 6.0
Tested up to: 6.5
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: financialtipsdaily
*/

/* ============================================================
   FINANCIAL TIPS DAILY — Design System
   Premium finance editorial. Scoped under .ftd (set on <body>).
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Newsreader:opsz,wght@6..72,400;6..72,500;6..72,600;6..72,700&family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Mono:wght@500;600&display=swap');

.ftd {
  --navy:      #0E2A47;
  --navy-deep: #0A2038;
  --navy-line: #23405F;
  --gold:      #C8A24B;
  --gold-dark: #B08D3A;
  --up:        #1F9D6B;
  --paper:     #F7F5EF;
  --paper-2:   #EFEBE0;
  --ink:       #14202E;
  --muted:     #5A6B7B;
  --line:      #E4E0D5;
  --white:     #FFFFFF;

  --cat-budgeting: #1F9D6B;
  --cat-investing: #2D6CB2;
  --cat-credit:    #C4682E;

  --radius:   14px;
  --radius-s: 9px;
  --shadow:   0 18px 44px rgba(14,42,71,.12);
  --shadow-s: 0 6px 18px rgba(14,42,71,.08);
  --maxw:     1180px;

  font-family: 'IBM Plex Sans', 'Segoe UI', system-ui, Arial, sans-serif;
  color: var(--ink);
  line-height: 1.62;
  font-size: 17px;
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
.ftd *, .ftd *::before, .ftd *::after { box-sizing: border-box; }
.ftd img { max-width: 100%; height: auto; display: block; }
.ftd a { color: var(--navy); text-decoration: none; }
.ftd a:hover { color: var(--gold-dark); }
.ftd h1, .ftd h2, .ftd h3, .ftd h4 { font-family: 'Newsreader', Georgia, serif; color: var(--ink); line-height: 1.14; margin: 0 0 .5em; font-weight: 600; letter-spacing: -.005em; }
.ftd .wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }
.ftd .mono { font-family: 'IBM Plex Mono', ui-monospace, monospace; }

/* skip link */
.ftd .skip { position: absolute; left: -9999px; top: 0; background: var(--gold); color: var(--navy); padding: 10px 16px; border-radius: 0 0 8px 0; font-weight: 700; z-index: 100; }
.ftd .skip:focus { left: 0; }

/* eyebrow / ticker label */
.ftd .eyebrow { font-family: 'IBM Plex Mono', monospace; font-size: 12.5px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-dark); display: inline-flex; align-items: center; gap: 9px; margin-bottom: 14px; }
.ftd .eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 4px rgba(200,162,75,.18); }

/* buttons */
.ftd .btn { display: inline-block; font-family: 'IBM Plex Sans', sans-serif; font-weight: 600; font-size: 15.5px; padding: 13px 24px; border-radius: 8px; cursor: pointer; border: 2px solid transparent; transition: transform .14s, box-shadow .14s, background .14s, color .14s; text-decoration: none; }
.ftd .btn:hover { transform: translateY(-2px); text-decoration: none; }
.ftd .btn-primary { background: var(--gold); color: var(--navy); box-shadow: var(--shadow-s); }
.ftd .btn-primary:hover { background: var(--gold-dark); color: #10233a; }
.ftd .btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.ftd .btn-ghost:hover { background: var(--navy); color: #fff; }
.ftd .btn-onnavy { background: var(--gold); color: var(--navy); }
.ftd .btn-onnavy:hover { background: var(--gold-dark); }

/* ============================ HEADER ============================ */
.ftd-header { background: var(--navy); position: sticky; top: 0; z-index: 50; }
.ftd-header .bar { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 12px 22px; max-width: var(--maxw); margin: 0 auto; }
.ftd-brand { display: flex; align-items: center; gap: 13px; }
.ftd-brand .mark { width: 46px; height: 46px; border-radius: 12px; background: var(--navy-deep); position: relative; flex: none; }
.ftd-brand .mark svg { position: absolute; inset: 0; }
.ftd-brand .name { font-family: 'Newsreader', serif; font-weight: 600; font-size: 22px; color: #fff; line-height: 1; }
.ftd-brand .name small { display: block; font-family: 'IBM Plex Mono', monospace; font-weight: 600; font-size: 10px; letter-spacing: .34em; color: var(--gold); margin-top: 4px; }
.ftd-nav { display: flex; align-items: center; gap: 24px; }
.ftd-nav .navlinks { display: flex; align-items: center; gap: 22px; }
.ftd-nav a { color: #dfe6ee; font-weight: 500; font-size: 15.5px; }
.ftd-nav a:hover { color: var(--gold); }
.ftd-nav .btn { padding: 9px 18px; }
.ftd-navtoggle { display: none; background: transparent; border: 1.5px solid #3a5675; color: #fff; border-radius: 8px; padding: 8px 12px; font-size: 15px; cursor: pointer; font-family: inherit; }

/* ============================ HERO ============================ */
.ftd-hero { background: var(--paper); border-bottom: 1px solid var(--line); padding: 60px 0 66px; }
.ftd-hero .grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 52px; align-items: center; }
.ftd-hero h1 { font-size: clamp(38px, 5.2vw, 60px); }
.ftd-hero h1 em { font-style: italic; color: var(--navy); }
.ftd-hero p.lede { font-size: 19px; color: var(--muted); max-width: 32em; margin: 0 0 26px; }
.ftd-hero .cta-row { display: flex; gap: 13px; flex-wrap: wrap; }

/* stat card (fintech signature) */
.ftd-statcard { background: var(--navy); border-radius: 18px; padding: 30px; box-shadow: var(--shadow); color: #cdd8e4; }
.ftd-statcard .head { font-family: 'IBM Plex Mono', monospace; font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; display: flex; align-items: center; justify-content: space-between; }
.ftd-statcard .stat { display: flex; align-items: baseline; justify-content: space-between; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.09); }
.ftd-statcard .stat:last-child { border-bottom: none; }
.ftd-statcard .stat .v { font-family: 'IBM Plex Mono', monospace; font-weight: 600; font-size: 24px; color: #fff; }
.ftd-statcard .stat .v.up { color: #4bd39b; }
.ftd-statcard .stat .l { font-size: 14px; color: #9fb1c4; text-align: right; max-width: 12em; }
.ftd-statcard .spark { margin-top: 6px; }

/* ============================ SECTIONS ============================ */
.ftd-section { padding: 62px 0; }
.ftd-section.alt { background: var(--paper-2); }
.ftd-section .head { max-width: 42em; margin: 0 auto 40px; text-align: center; }
.ftd-section .head h2 { font-size: clamp(28px, 3.4vw, 40px); }
.ftd-section .head p { color: var(--muted); font-size: 18px; margin: 0; }
.ftd-section .head.left { text-align: left; margin-left: 0; }

/* category cards */
.ftd-cats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.ftd-cat { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-s); transition: transform .16s, box-shadow .16s; display: block; }
.ftd-cat:hover { transform: translateY(-4px); box-shadow: var(--shadow); text-decoration: none; }
.ftd-cat .tag { display: inline-block; font-family: 'IBM Plex Mono', monospace; font-size: 11px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; padding: 5px 11px; border-radius: 6px; color: #fff; margin-bottom: 15px; }
.ftd-cat h3 { font-size: 24px; color: var(--ink); }
.ftd-cat p { color: var(--muted); margin: 0 0 16px; font-size: 15.5px; }
.ftd-cat .more { font-weight: 600; }
.tag-budgeting { background: var(--cat-budgeting); } .text-budgeting { color: var(--cat-budgeting); }
.tag-investing { background: var(--cat-investing); } .text-investing { color: var(--cat-investing); }
.tag-credit    { background: var(--cat-credit); }    .text-credit    { color: var(--cat-credit); }

/* article cards */
.ftd-posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.ftd-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-s); transition: transform .16s, box-shadow .16s; }
.ftd-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.ftd-card .thumb { aspect-ratio: 3/2; background: var(--paper-2); position: relative; overflow: hidden; }
.ftd-card .thumb img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.ftd-card .thumb .tag { position: absolute; top: 13px; left: 13px; font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; padding: 5px 10px; border-radius: 6px; color: #fff; }
.ftd-card .body { padding: 20px 21px 24px; }
.ftd-card .meta { font-family: 'IBM Plex Mono', monospace; font-size: 12px; color: var(--muted); margin-bottom: 8px; letter-spacing: .04em; }
.ftd-card h3 { font-size: 20px; margin-bottom: 8px; line-height: 1.22; }
.ftd-card h3 a { color: var(--ink); } .ftd-card h3 a:hover { color: var(--navy); }
.ftd-card p { color: var(--muted); font-size: 15px; margin: 0; }

/* by-the-numbers strip */
.ftd-numbers { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.ftd-numbers .n { text-align: center; padding: 8px; }
.ftd-numbers .n .v { font-family: 'IBM Plex Mono', monospace; font-weight: 600; font-size: clamp(30px,4vw,44px); color: var(--navy); }
.ftd-numbers .n .l { color: var(--muted); font-size: 14.5px; margin-top: 4px; }

/* ============================ NEWSLETTER ============================ */
.ftd-news { background: var(--navy); color: #cdd8e4; border-radius: 18px; padding: 50px; text-align: center; box-shadow: var(--shadow); position: relative; overflow: hidden; }
.ftd-news h2 { color: #fff; font-size: clamp(27px,3.2vw,38px); }
.ftd-news p { color: #a9bccf; font-size: 18px; max-width: 34em; margin: 0 auto 24px; }
.ftd-form { display: flex; gap: 11px; max-width: 520px; margin: 0 auto; flex-wrap: wrap; justify-content: center; }
.ftd-form input[type=email] { flex: 1 1 260px; min-width: 220px; padding: 14px 16px; border-radius: 8px; border: 2px solid transparent; font-size: 16px; font-family: inherit; color: var(--ink); }
.ftd-form input[type=email]:focus { outline: 3px solid var(--gold); }
.ftd-news .fineprint { font-size: 13px; color: #8ba0b5; margin-top: 15px; }
.ftd-news .fineprint a { color: #fff; text-decoration: underline; }

/* ============================ FOOTER ============================ */
.ftd-footer { background: var(--navy-deep); color: #b9c6d4; padding: 54px 0 28px; }
.ftd-footer .cols { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: 38px; }
.ftd-footer h4 { color: #fff; font-family: 'IBM Plex Mono', monospace; font-size: 12px; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 15px; }
.ftd-footer a { color: #b9c6d4; } .ftd-footer a:hover { color: var(--gold); }
.ftd-footer ul { list-style: none; margin: 0; padding: 0; } .ftd-footer li { margin-bottom: 9px; }
.ftd-footer .blurb { max-width: 30em; color: #92a4b6; }
.ftd-footer .brand-row { display: flex; align-items: center; gap: 11px; margin-bottom: 14px; }
.ftd-footer .brand-row .name { font-family: 'Newsreader', serif; font-size: 21px; color: #fff; }
.ftd-footer .disc { font-size: 12.5px; color: #7d8ea0; margin-top: 14px; max-width: 40em; }
.ftd-footer .legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 36px; padding-top: 20px; font-size: 12.5px; color: #7d8ea0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* ============================ PAGE HERO ============================ */
.ftd-pagehero { background: var(--navy); color: #fff; padding: 56px 0; }
.ftd-pagehero .wrap { text-align: center; }
.ftd-pagehero h1 { color: #fff; font-size: clamp(32px,4.4vw,50px); }
.ftd-pagehero p { color: #a9bccf; font-size: 18px; max-width: 36em; margin: 12px auto 0; }
.ftd-pagehero .eyebrow { color: var(--gold); }

/* ============================ ARTICLE ============================ */
.ftd-article { background: var(--paper); padding: 52px 0 68px; }
.ftd-article .col { max-width: 760px; margin: 0 auto; }
.ftd-article .hero-img { width: 100%; aspect-ratio: 16/8; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow-s); margin: 0 0 26px; }
.ftd-article .tag { display: inline-block; font-family: 'IBM Plex Mono', monospace; font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; padding: 5px 11px; border-radius: 6px; color: #fff; margin-bottom: 15px; }
.ftd-article h1 { font-size: clamp(31px,4.2vw,48px); margin-bottom: 12px; }
.ftd-article .byline { font-family: 'IBM Plex Mono', monospace; color: var(--muted); font-size: 13.5px; margin-bottom: 28px; letter-spacing: .02em; }
.ftd-article .lead { font-size: 20px; color: var(--ink); }
.ftd-article h2 { font-size: 27px; margin-top: 38px; }
.ftd-article h3 { font-size: 21px; margin-top: 26px; }
.ftd-article p { margin: 0 0 20px; }
.ftd-article ul, .ftd-article ol { margin: 0 0 22px; padding-left: 24px; }
.ftd-article li { margin-bottom: 8px; }
.ftd-article blockquote { border-left: 4px solid var(--gold); background: var(--white); margin: 26px 0; padding: 18px 24px; border-radius: 0 var(--radius-s) var(--radius-s) 0; font-family: 'Newsreader', serif; font-size: 20px; font-style: italic; color: var(--navy); box-shadow: var(--shadow-s); }
.ftd-article .callout { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--navy); border-radius: var(--radius-s); padding: 20px 24px; margin: 26px 0; box-shadow: var(--shadow-s); }
.ftd-article .callout h4 { font-family: 'Newsreader', serif; font-size: 18px; margin: 0 0 8px; color: var(--navy); }
.ftd-article .callout p:last-child { margin-bottom: 0; }
.ftd-article .keybox { background: var(--navy); color: #cdd8e4; border-radius: var(--radius); padding: 22px 26px; margin: 28px 0; }
.ftd-article .keybox h4 { color: var(--gold); font-family: 'IBM Plex Mono', monospace; font-size: 12px; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 12px; }
.ftd-article .keybox ul { margin: 0; padding-left: 20px; } .ftd-article .keybox li { color: #dbe4ee; }
.ftd-article hr { border: none; border-top: 1px solid var(--line); margin: 38px 0; }
.ftd-article .disclaimer { font-size: 13px; color: var(--muted); border-top: 1px solid var(--line); margin-top: 38px; padding-top: 18px; font-style: italic; }

/* ============================ LEGAL / FORM PAGES ============================ */
.ftd-legal { background: var(--paper); padding: 50px 0 68px; }
.ftd-legal .col { max-width: 820px; margin: 0 auto; }
.ftd-legal h2 { font-size: 24px; margin-top: 32px; }
.ftd-legal .updated { font-family: 'IBM Plex Mono', monospace; color: var(--muted); font-size: 13px; margin-bottom: 24px; }
.ftd-legal ul { padding-left: 22px; }
.ftd-formcard { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-s); padding: 38px; max-width: 560px; margin: 0 auto; }
.ftd-formcard h2 { font-size: 26px; margin-top: 0; }
.ftd-formcard p { color: var(--muted); }
.ftd-formcard label { display: block; font-weight: 600; font-size: 14px; margin: 16px 0 7px; }
.ftd-formcard input { width: 100%; padding: 13px 15px; border-radius: 8px; border: 1px solid var(--line); font-size: 16px; font-family: inherit; }
.ftd-formcard input:focus { outline: 3px solid var(--gold); border-color: transparent; }
.ftd-formcard .btn { margin-top: 20px; width: 100%; text-align: center; }
.ftd-formcard .note { font-size: 12.5px; color: var(--muted); margin-top: 15px; }

/* pagination */
.ftd .pagination, .ftd .nav-links { display: flex; gap: 8px; justify-content: center; margin-top: 40px; flex-wrap: wrap; }
.ftd .page-numbers { padding: 8px 14px; border: 1px solid var(--line); border-radius: 8px; background: #fff; font-family: 'IBM Plex Mono', monospace; font-size: 14px; }
.ftd .page-numbers.current { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ============================ RESPONSIVE ============================ */
@media (max-width: 940px) {
  .ftd-hero .grid { grid-template-columns: 1fr; gap: 34px; }
  .ftd-cats, .ftd-posts { grid-template-columns: 1fr 1fr; }
  .ftd-numbers { grid-template-columns: 1fr 1fr; gap: 18px; }
  .ftd-footer .cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .ftd-navtoggle { display: inline-block; }
  .ftd-nav .navlinks { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--navy-deep); flex-direction: column; align-items: flex-start; gap: 0; padding: 8px 22px 16px; border-top: 1px solid var(--navy-line); }
  .ftd-nav .navlinks.open { display: flex; }
  .ftd-nav .navlinks a { padding: 11px 0; width: 100%; border-bottom: 1px solid rgba(255,255,255,.06); }
  .ftd-header { position: static; }
  .ftd-nav { position: relative; }
}
@media (max-width: 560px) {
  .ftd { font-size: 16px; }
  .ftd-cats, .ftd-posts, .ftd-footer .cols, .ftd-numbers { grid-template-columns: 1fr; }
  .ftd-news { padding: 32px 20px; }
  .ftd-section { padding: 44px 0; }
  .ftd-statcard, .ftd-formcard { padding: 26px; }
}

/* a11y */
@media (prefers-reduced-motion: reduce) { .ftd * { transition: none !important; animation: none !important; } }
.ftd a:focus-visible, .ftd button:focus-visible, .ftd input:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
