:root {
  --primary: #006666;
  --primary-20: #338585;
  --primary-40: #66a3a3;
  --primary-60: #99c2c2;
  --primary-80: #cce0e0;

  --secondary: #FFCC66;
  --secondary-20: #ffd685;
  --secondary-40: #ffe0a3;
  --secondary-60: #ffebc2;
  --secondary-80: #fff5e0;

  --accent: #009999;
  --accent-20: #33adad;
  --accent-40: #66c2c2;
  --accent-60: #99d6d6;
  --accent-80: #ccebeb;

  --ink: #1a1a1a;
  --muted: #667070;
  --paper: #fffdf8;
  --line: #d8dddd;
  --white: #ffffff;
  --shadow: 0 12px 35px rgba(0, 70, 70, 0.10);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  background: #f3f0e9;
  line-height: 1.6;
}

a { color: inherit; }

.top-strip {
  background: var(--primary);
  color: white;
  font-family: Verdana, Arial, sans-serif;
  font-size: 12px;
}

.top-strip .inner,
.masthead,
.nav-inner,
.page,
.footer-inner {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.top-strip .inner {
  min-height: 34px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.market-ticker {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

.market-ticker strong {
  color: var(--secondary);
}

.masthead {
  padding: 26px 0 18px;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: end;
}

.brand {
  text-align: center;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  color: inherit;
  text-decoration: none;
}

.brand .name {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(38px, 6vw, 66px);
  line-height: 0.95;
  font-weight: 700;
  letter-spacing: -2px;
  color: var(--primary);
}

.brand .tagline {
  margin-top: 9px;
  font: 12px Verdana, Arial, sans-serif;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--muted);
}

.edition,
.mast-links {
  font: 12px Verdana, Arial, sans-serif;
  color: var(--muted);
}

.mast-links {
  text-align: right;
}

.mast-links a {
  text-decoration: none;
  margin-left: 14px;
}

.primary-nav {
  border-top: 3px solid var(--primary);
  border-bottom: 1px solid var(--primary-40);
  background: var(--paper);
  position: sticky;
  top: 0;
  z-index: 20;
}

.nav-inner {
  display: flex;
  justify-content: center;
  gap: 24px;
  overflow-x: auto;
}

.nav-inner a {
  font: 700 13px Verdana, Arial, sans-serif;
  padding: 13px 0 11px;
  text-decoration: none;
  text-transform: uppercase;
  white-space: nowrap;
  border-bottom: 3px solid transparent;
}

.nav-inner a:hover,
.nav-inner a.active {
  color: var(--accent);
  border-color: var(--secondary);
}

.page {
  background: var(--paper);
  min-height: 70vh;
  box-shadow: var(--shadow);
  padding: 28px;
}

.section-kicker {
  font: 700 12px Verdana, Arial, sans-serif;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 1.3px;
  margin-bottom: 8px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.65fr 0.85fr;
  gap: 28px;
  padding-bottom: 30px;
  border-bottom: 1px solid var(--line);
}

.hero img,
.article-card img,
.featured-image img {
  width: 100%;
  display: block;
  object-fit: cover;
  background: var(--primary-80);
}

.hero img { aspect-ratio: 16 / 9; }

.hero h1 {
  font-size: clamp(34px, 5vw, 58px);
  line-height: 1.02;
  margin: 16px 0 12px;
  letter-spacing: -1.5px;
}

.dek {
  font-size: 20px;
  color: #404747;
  max-width: 850px;
}

.meta {
  font: 12px Verdana, Arial, sans-serif;
  color: var(--muted);
  margin-top: 15px;
}

.side-lead {
  display: grid;
  gap: 18px;
}

.news-brief {
  border-top: 5px solid var(--secondary);
  background: var(--secondary-80);
  padding: 18px;
}

.news-brief h3 {
  margin: 6px 0 10px;
  font-size: 25px;
  line-height: 1.1;
}

.story-list {
  display: grid;
  gap: 16px;
}

.story-list article {
  padding-top: 16px;
  border-top: 1px solid var(--line);
}

.story-list h3 {
  margin: 4px 0;
  line-height: 1.1;
  font-size: 20px;
}

.category-badge,
.tag {
  display: inline-flex;
  align-items: center;
  font: 700 11px Verdana, Arial, sans-serif;
  text-transform: uppercase;
  letter-spacing: .5px;
  text-decoration: none;
}

.category-badge {
  background: var(--primary);
  color: white;
  padding: 5px 8px;
}

.tag {
  background: var(--accent-80);
  color: var(--primary);
  padding: 5px 8px;
  margin: 4px 5px 0 0;
  border: 1px solid var(--accent-60);
}

.section-title {
  margin: 30px 0 18px;
  padding-bottom: 8px;
  border-bottom: 3px solid var(--primary);
  font-size: 26px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.article-card {
  border-bottom: 1px solid var(--line);
  padding-bottom: 18px;
}

.article-card img {
  aspect-ratio: 3 / 2;
  margin-bottom: 13px;
}

.article-card h3 {
  font-size: 24px;
  line-height: 1.08;
  margin: 8px 0 8px;
}

.article-card p {
  margin: 0;
  color: #495050;
}

.content-with-sidebar {
  display: grid;
  grid-template-columns: minmax(0, 2.1fr) minmax(260px, 0.75fr);
  gap: 38px;
}

.article-header h1 {
  font-size: clamp(40px, 6vw, 68px);
  line-height: 1.02;
  margin: 10px 0 14px;
  letter-spacing: -1.8px;
}

.article-header .dek {
  margin: 0 0 14px;
}

.article-meta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  align-items: center;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 12px 0;
  margin: 18px 0 22px;
  font: 12px Verdana, Arial, sans-serif;
  color: var(--muted);
}

.featured-image img {
  aspect-ratio: 16 / 9;
}

.caption {
  font: 11px Verdana, Arial, sans-serif;
  color: var(--muted);
  margin-top: 6px;
}

.article-body {
  max-width: 760px;
  margin: 0 auto;
  font-size: 19px;
}

.article-body p:first-child::first-letter {
  float: left;
  font-size: 68px;
  line-height: .8;
  padding: 8px 8px 0 0;
  color: var(--primary);
}

.article-body h2 {
  font-size: 30px;
  line-height: 1.12;
  margin-top: 34px;
}

.pullquote {
  margin: 32px 0;
  padding: 22px 24px;
  border-left: 7px solid var(--secondary);
  background: var(--secondary-80);
  font-size: 27px;
  line-height: 1.25;
  font-weight: 700;
}

.sidebar {
  font-family: Verdana, Arial, sans-serif;
}

.sidebar-box {
  border-top: 5px solid var(--primary);
  background: white;
  padding: 16px;
  margin-bottom: 22px;
  box-shadow: 0 6px 20px rgba(0, 60, 60, .06);
}

.sidebar-box h3 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 23px;
  margin: 0 0 12px;
}

.sidebar-box ul {
  padding-left: 18px;
  margin: 0;
}

.ad-box {
  min-height: 240px;
  display: grid;
  place-items: center;
  text-align: center;
  color: var(--muted);
  border: 1px dashed var(--primary-40);
  background: var(--primary-80);
  font-size: 12px;
}

.related {
  margin-top: 42px;
  border-top: 3px solid var(--primary);
  padding-top: 20px;
}

.tags {
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

footer {
  background: var(--primary);
  color: white;
  margin-top: 0;
}

.footer-inner {
  padding: 30px 0;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  font: 12px Verdana, Arial, sans-serif;
}

.footer-inner a { color: var(--secondary); }

.placeholder {
  background:
    linear-gradient(135deg, rgba(0,102,102,.18), rgba(255,204,102,.28)),
    linear-gradient(45deg, #cce0e0, #fff5e0);
  min-height: 100%;
  display: grid;
  place-items: center;
  color: var(--primary);
  font: 700 13px Verdana, Arial, sans-serif;
}

@media (max-width: 840px) {
  .masthead {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 12px;
  }

  .edition,
  .mast-links { text-align: center; }

  .hero-grid,
  .content-with-sidebar,
  .cards {
    grid-template-columns: 1fr;
  }

  .page { padding: 18px; }
  .hero h1, .article-header h1 { letter-spacing: -1px; }
}


/* Xavier Media network-style footer */
.site-footer{background:#004f4f;color:#dff3f3;margin-top:0;border-top:6px solid var(--secondary);font-family:Verdana,Arial,sans-serif}
.footer-shell{width:min(1180px,calc(100% - 32px));margin:0 auto;padding:44px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .9fr 1fr;gap:38px}
.footer-grid__cell{min-width:0}.footer-brand__logo{display:inline-flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.4px}
.footer-brand__mark{display:grid;place-items:center;width:44px;height:44px;background:var(--secondary);color:var(--primary);border-radius:7px;font:800 15px Verdana,Arial,sans-serif}
.footer-brand__tld{color:var(--secondary)}.footer-brand__tagline{font-weight:700;color:#fff;margin:16px 0 8px}.footer-brand__blurb{max-width:390px;color:#bcd5d5;font-size:13px;line-height:1.7;margin:0}
.footer-heading{font:800 12px Verdana,Arial,sans-serif;text-transform:uppercase;letter-spacing:1.3px;color:var(--secondary);margin:0 0 14px}.footer-list{list-style:none;margin:0;padding:0}.footer-list li{margin:0 0 9px}.footer-link{color:#e8f5f5;text-decoration:none;font-size:13px}.footer-link:hover{text-decoration:underline;color:#fff}.footer-stack--after{margin-top:26px}.footer-legal{border-top:1px solid rgba(255,255,255,.16);margin:36px 0 0;padding-top:18px;color:#a9c7c7;font-size:11px}
.category-menu{display:flex;gap:16px;overflow-x:auto;padding:8px 0 10px}.category-menu a{white-space:nowrap;font:700 12px Verdana,Arial,sans-serif;color:var(--primary);text-decoration:none}.category-menu a:hover{text-decoration:underline}
.breadcrumbs{font:12px Verdana,Arial,sans-serif;color:var(--muted);margin-bottom:16px}.breadcrumbs a{color:var(--primary);text-decoration:none}
.article-body img{max-width:100%;height:auto}.article-body table{width:100%;border-collapse:collapse;margin:24px 0}.article-body th,.article-body td{border:1px solid var(--line);padding:9px;text-align:left}.article-body blockquote{border-left:5px solid var(--secondary);background:var(--secondary-80);margin:26px 0;padding:18px 22px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}.footer-grid__cell--brand{grid-column:1/-1}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}

/* XavierFinans editorial navigation, topic guides and article utilities */
.brand-mark,.footer-brand__mark{overflow:hidden;background:var(--secondary);border-radius:8px}
.brand-mark{width:54px;height:54px;flex:0 0 54px}
.brand-mark img,.footer-brand__mark img{width:100%;height:100%;display:block;object-fit:cover}
.brand-dot{color:var(--accent)}
.market-ticker a{color:#fff;text-decoration:none;display:inline-flex;align-items:baseline;gap:4px;white-space:nowrap}
.market-ticker a:hover span{text-decoration:underline}.market-ticker small{color:#d9eeee;margin-left:4px;font-size:10px}.market-ticker .price-up{color:#a8f0c2}.market-ticker .price-down{color:#ffd0c8}
.nav-more{position:relative;font:700 13px Verdana,Arial,sans-serif;text-transform:uppercase}.nav-more summary{cursor:pointer;list-style:none;padding:13px 0 11px;white-space:nowrap}.nav-more summary::-webkit-details-marker{display:none}.nav-more summary::after{content:" +";color:var(--accent)}.nav-more[open] summary::after{content:" −"}.nav-more__menu{position:absolute;right:0;top:100%;min-width:275px;padding:10px 18px;background:var(--paper);border:1px solid var(--line);border-top:3px solid var(--secondary);box-shadow:var(--shadow)}.nav-more__menu a{display:block;padding:10px 0;border-bottom:1px solid var(--line)}.nav-more__menu a:last-child{border-bottom:0}
.hero h1 a{text-decoration:none}.hero-label{margin-top:15px}
.news-section{margin-top:34px}.news-section--band{padding-top:8px;border-top:1px solid var(--line)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:18px;margin:0 0 18px;padding-bottom:9px;border-bottom:3px solid var(--primary)}.section-heading h2{font-size:28px;line-height:1.05;margin:0}.section-heading>a,.text-link{color:var(--primary);font:700 12px Verdana,Arial,sans-serif;text-decoration:none}.section-heading>span{color:var(--muted);font:12px Verdana,Arial,sans-serif}.cards--compact .article-card p{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.cards--five{grid-template-columns:repeat(5,1fr)}.cards--five .article-card h3{font-size:20px}.cards--five .article-card p{font-size:15px}
.sidebar-box h2{font-family:Georgia,"Times New Roman",serif;font-size:23px;margin:0 0 12px}.sidebar-box p{color:var(--muted);font-size:14px;line-height:1.6}.clean-list{list-style:none;padding:0!important;display:flex;flex-wrap:wrap;gap:8px}.clean-list a,.social-links a{display:inline-flex;color:var(--primary);background:var(--accent-80);border:1px solid var(--accent-60);padding:6px 9px;text-decoration:none;font-weight:700;font-size:12px}
.ad-panel{position:sticky;top:68px;display:grid;justify-items:center;gap:8px;padding-top:8px;color:var(--muted);font:10px Verdana,Arial,sans-serif;text-transform:uppercase;letter-spacing:1px}.ad-slot{width:160px;min-height:600px;display:grid;place-items:center;background:#eef4f4;border:1px solid var(--line)}.ad-slot:empty::before{content:"Xavier Ads";color:#849090}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.related-grid article{border-bottom:1px solid var(--line);padding-bottom:14px}.related-grid h3{font-size:20px;line-height:1.15;margin:5px 0}.related-grid a{text-decoration:none}.share-row{display:flex;align-items:center;flex-wrap:wrap;gap:9px;margin-top:22px;font:700 12px Verdana,Arial,sans-serif}.share-row a{padding:7px 10px;background:var(--primary);color:#fff;text-decoration:none}.article-pagination{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:34px;padding-top:22px;border-top:1px solid var(--line)}.article-pagination a{display:flex;flex-direction:column;padding:15px;background:var(--secondary-80);text-decoration:none}.article-pagination a:last-child{text-align:right}.article-pagination span{font:700 11px Verdana,Arial,sans-serif;color:var(--accent);text-transform:uppercase}.article-pagination strong{font-size:17px;line-height:1.25}
.topic-hero{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:30px;padding:28px 0 30px;border-bottom:1px solid var(--line)}.topic-hero h1,.archive-header h1{font-size:clamp(42px,7vw,76px);line-height:.98;margin:6px 0 14px;letter-spacing:-2px}.topic-symbol{display:grid;place-items:center;width:140px;aspect-ratio:1;border-radius:50%;background:var(--primary);color:var(--secondary);border:9px solid var(--primary-80);font:800 28px Verdana,Arial,sans-serif;box-shadow:var(--shadow)}.explainer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:28px 0 20px;border-top:4px solid var(--secondary);background:#fff;box-shadow:0 8px 26px rgba(0,70,70,.07)}.explainer-grid article{padding:20px;border-right:1px solid var(--line)}.explainer-grid article:last-child{border-right:0}.explainer-grid h2{font-size:21px;margin:0 0 8px}.explainer-grid p{margin:0;color:#4d5656}.market-note{padding:12px 16px;border-left:5px solid var(--accent);background:var(--accent-80);color:#345;font:13px Verdana,Arial,sans-serif}.archive-header{position:relative;padding:24px 0 26px;border-bottom:1px solid var(--line)}.archive-count{color:var(--muted);font:12px Verdana,Arial,sans-serif}.empty-state{padding:50px 24px;text-align:center;background:var(--secondary-80)}
.footer-brand__mark{font-size:0}.site-footer nav{position:static;background:transparent;border:0;color:inherit}.footer-column{padding:0;margin:0;box-shadow:none}.social-links{display:flex;flex-wrap:wrap;gap:7px;margin-top:18px}.social-links a{color:#fff;background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18)}.footer-legal{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
@media(max-width:1000px){.cards--five{grid-template-columns:repeat(3,1fr)}}
@media(max-width:840px){.brand{flex-direction:column;gap:8px}.nav-inner{justify-content:flex-start}.nav-more__menu{right:auto;left:0}.sidebar{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.ad-panel{position:static;grid-column:1/-1}.ad-slot{min-height:250px}.ad-slot img{max-height:420px;width:auto}.explainer-grid{grid-template-columns:1fr}.explainer-grid article{border-right:0;border-bottom:1px solid var(--line)}.explainer-grid article:last-child{border-bottom:0}.topic-symbol{width:100px}.cards--five{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.top-strip .inner{align-items:flex-start;flex-direction:column;padding:8px 0}.market-ticker{gap:8px 14px}.market-ticker small{display:none}.brand .name{font-size:38px}.brand-mark{width:46px;height:46px;flex-basis:46px}.edition{display:none}.cards--five,.related-grid,.article-pagination,.sidebar{grid-template-columns:1fr}.topic-hero{grid-template-columns:1fr}.topic-symbol{display:none}.footer-legal{display:block}}


/* Layout build 2026-09-05.3: stable navigation, footer reset and network icons */
.brand > span:last-child,.brand .name,.brand .tagline{display:block}
.primary-nav .nav-inner{display:flex;align-items:center;justify-content:center;flex-wrap:nowrap;gap:clamp(14px,2vw,26px);min-height:48px}
.primary-nav .nav-inner>a{flex:0 0 auto}
.primary-nav .nav-more{flex:0 0 auto;z-index:25}
.primary-nav .nav-more__menu{z-index:30}
.site-footer .footer-grid__cell,.site-footer .footer-column,.site-footer .footer-stack,.site-footer nav{background:transparent!important;border:0!important;border-radius:0!important;box-shadow:none!important;padding:0!important;color:inherit!important}
.network-social-list{display:grid;gap:9px;list-style:none;margin:0;padding:0!important}
.network-social-list a{display:inline-flex;align-items:center;gap:10px;color:var(--primary);font:700 12px Verdana,Arial,sans-serif;text-decoration:none}
.network-icon{width:36px;height:36px;flex:0 0 36px;display:grid;place-items:center;border:1.5px solid currentColor;border-radius:50%;background:transparent;color:inherit}
.network-icon::before{content:"";display:block;width:20px;height:20px;background:currentColor;-webkit-mask:var(--network-icon) center/contain no-repeat;mask:var(--network-icon) center/contain no-repeat}
.network-icon--xmgs{--network-icon:url("https://xaviermedia.s3.amazonaws.com/icons/social/xmgs.svg")}
.network-icon--myxavier{--network-icon:url("https://xaviermedia.s3.amazonaws.com/icons/social/myxavier.svg")}
.network-icon--xavierpedia{--network-icon:url("https://xaviermedia.s3.amazonaws.com/icons/social/xavierpedia.svg")}
.network-icon--xavierseek{--network-icon:url("https://xaviermedia.s3.amazonaws.com/icons/social/xavierseek.svg")}
.network-icon--xavierforum{--network-icon:url("https://xaviermedia.s3.amazonaws.com/icons/social/xavierforum.svg")}
.social-links{display:flex;align-items:center;gap:10px;margin-top:18px}
.social-links a{display:grid;place-items:center;width:38px;height:38px;padding:0!important;border:0!important;border-radius:50%;background:transparent!important;color:#eefafa;text-decoration:none}
.social-links a:hover{color:var(--secondary);transform:translateY(-1px)}
.social-links .network-icon{border-color:currentColor}
@media(max-width:840px){.primary-nav .nav-inner{justify-content:flex-start;overflow-x:auto;overscroll-behavior-inline:contain;scrollbar-width:thin}.primary-nav .nav-more__menu{position:fixed;left:16px;right:16px;top:auto;min-width:0}.masthead .brand{flex-direction:row}}
@media(max-width:560px){.masthead .brand{flex-direction:column}.primary-nav .nav-inner{gap:18px}}