/* Creating Financial Security: brand layer over Newspaper Downtown Magazine Pro (Money group, KJ 2026-11-07).
   Downtown's colours/fonts are CSS variables (--downtown-*): remapped here to the CFS brand kit palette. */
@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,600;8..60,700&family=Source+Sans+3:wght@400;600;700&display=swap');
@import url("vendor/remixicon/remixicon.css");
:root{--cfs-forest:#1D4D33;--cfs-forest:#1D4D33;--cfs-green:#2E7D3A;--cfs-leaf:#7DBA5A;--cfs-leaf2:#9BD07A;--cfs-sun:#F08A4B;--cfs-cream:#F4ECCF;--cfs-mist:#E8F0E3;--cfs-ink:#1B2430;--cfs-muted:#5A6672;--cfs-line:#E2E8EE;
  --downtown-menu-bg:#1D4D33;--downtown-menu-bg-light:#2A6345;--downtown-accent:#2E7D3A;--downtown-accent-light:#9BD07A;--downtown-accent-titles:#2E7D3A;
  --downtown-serif-font:"Source Serif 4";--downtown-sans-serif-font:"Source Sans 3"}
body{--td_theme_color:var(--cfs-green)}
/* aliases so the shared UTA/TBGL rules below read our palette */
:root{--uta-deep:var(--cfs-forest);--uta-blue:var(--cfs-green);--uta-wave:var(--cfs-forest);--uta-gold:var(--cfs-sun);--uta-foam:var(--cfs-mist);--uta-mist:var(--cfs-mist);--uta-ink:var(--cfs-ink);--uta-muted:var(--cfs-muted);--uta-line:var(--cfs-line)}
#td-outer-wrap,body{font-family:"Source Sans 3",system-ui,sans-serif}
/* the theme hard-codes its yellow in places: category labels, buttons */
#td-outer-wrap .td-post-category{color:var(--cfs-green)!important}
#td-outer-wrap .tdm-btn,#td-outer-wrap .tds-button1{background-color:var(--cfs-sun)!important;color:var(--cfs-forest)!important;border-color:var(--cfs-sun)!important}
#td-outer-wrap .tdm-btn:hover{background-color:#fff!important}
#td-outer-wrap .tdm-btn .tdm-btn-text{color:var(--cfs-forest)!important}
/* logo */
.cfs-logo{display:block;width:auto;height:46px;max-width:100%}
.td-header-mobile-wrap .cfs-logo,.td-header-mobile-sticky-wrap .cfs-logo{height:34px;max-width:calc(100vw - 120px)}
.td-header-desktop-sticky-wrap .cfs-logo{height:38px}
.td-footer-template-wrap .cfs-logo{height:56px;margin:0 auto}
.tdb_header_logo .tdb-logo-a{display:inline-flex;align-items:center}
/* "More" dropdown in the desktop bar */
.tdb-menu .cfs-more{position:relative}
.tdb-menu .cfs-more>.sub-menu{position:absolute;left:0;top:100%;min-width:200px;background:#fff;box-shadow:0 8px 24px rgba(29,77,51,.18);padding:8px 0;margin:0;list-style:none;z-index:1000;display:none;border-top:3px solid var(--cfs-sun)}
.tdb-menu .cfs-more:hover>.sub-menu,.tdb-menu .cfs-more:focus-within>.sub-menu{display:block!important;visibility:visible!important;opacity:1!important}
.tdb-menu .cfs-more>.sub-menu li{display:block;float:none}
.tdb-menu .cfs-more>.sub-menu a{display:block;padding:9px 18px;color:var(--cfs-forest)!important;font:700 15px/1.3 "Source Sans 3",sans-serif;text-transform:none}
.tdb-menu .cfs-more>.sub-menu a .tdb-menu-item-text{color:var(--cfs-forest)!important}
.tdb-menu .cfs-more>.sub-menu a:hover,.tdb-menu .cfs-more>.sub-menu a:hover .tdb-menu-item-text{color:var(--cfs-green)!important;background:var(--cfs-mist)}
.cfs-mobile-extra{border-top:1px solid rgba(255,255,255,.12)}
/* mobile off-canvas menu + search */
.td-menu-background:before,.td-search-background:before{background:var(--cfs-forest)!important}
#td-mobile-nav .td-mobile-content .current-menu-item>a,#td-mobile-nav .td-mobile-content a:hover{color:var(--cfs-leaf2)!important}
.td-scroll-up{background-color:var(--cfs-green)!important}
/* placeholder modules: "Coming soon" sections and our pages, clearly labelled */
.cfs-cs .td-module-title a::after{content:none}
.cfs-cs .td-post-category::after{content:"Coming soon";display:inline-block;margin-left:8px;padding:2px 8px;border-radius:999px;background:var(--cfs-sun);color:var(--cfs-forest);font:700 10px/1.5 "Source Sans 3",system-ui,sans-serif;letter-spacing:.06em;text-transform:uppercase;vertical-align:middle}
/* challenge sign-up (home + section sidebars, /challenge page) */
.cfs-sub-row{display:flex;gap:8px;flex-wrap:wrap}
.cfs-sub input[type=email]{flex:1 1 180px;min-width:0;padding:12px 14px;border:2px solid var(--cfs-forest);border-radius:999px;font:400 16px "Source Sans 3",sans-serif;background:#fff;box-sizing:border-box}
.cfs-sub button{flex:none;background:var(--cfs-sun);color:var(--cfs-forest);border:2px solid var(--cfs-forest);border-radius:999px;padding:11px 20px;font:700 16px "Source Sans 3",system-ui,sans-serif;cursor:pointer}
.cfs-sub button:hover{background:#fff}
.cfs-consent{display:flex;gap:8px;align-items:flex-start;margin-top:10px;font:400 13px/1.45 "Source Sans 3",sans-serif;color:var(--cfs-muted)}
.cfs-consent input{margin-top:3px;flex:none}.cfs-consent a{color:var(--cfs-forest);text-decoration:underline}
.cfs-vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.cfs-side-sub{margin:4px 0 0;position:relative;z-index:1}
.cfs-page-sub{background:var(--cfs-mist);border-left:5px solid var(--cfs-sun);border-radius:10px;padding:22px 22px 18px;margin:1.6em 0}
.cfs-hero{margin:0 0 1.4em}.cfs-hero img{display:block;width:100%;max-width:560px;height:auto;margin:0 auto}
/* the disclaimer line under every byline */
.cfs-disclaimer{margin:14px 0 0;padding:10px 14px;background:var(--cfs-cream);border-left:4px solid var(--cfs-green);border-radius:6px;font:600 15px/1.45 "Source Sans 3",sans-serif}
.cfs-disclaimer a{color:var(--cfs-forest)!important;text-decoration:none}.cfs-disclaimer a:hover{text-decoration:underline}
/* writers + toolkit grids (stored pages) */
.cfs-writers{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin:1.4em 0}
.cfs-writer{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--cfs-line);border-radius:12px;padding:18px}
.cfs-writer img,.cfs-writer-initials{width:84px;height:84px;border-radius:50%;flex:none}
.cfs-writer-initials{display:flex;align-items:center;justify-content:center;background:var(--cfs-mist);color:var(--cfs-forest);font:700 28px "Source Serif 4",Georgia,serif}
#td-outer-wrap .cfs-writer h3{margin:0 0 4px;font:700 21px/1.2 "Source Serif 4",Georgia,serif}.cfs-writer h3 a{color:var(--cfs-forest)!important;text-decoration:none!important}
#td-outer-wrap .cfs-writer p{margin:0 0 6px;font-size:16px;line-height:1.5}
#td-outer-wrap .cfs-writer .cfs-writer-beat{font:700 13px/1.4 "Source Sans 3",system-ui,sans-serif!important;letter-spacing:.06em;text-transform:uppercase;color:var(--cfs-green)}
.cfs-toolkit{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:1.4em 0}
.cfs-tool{position:relative;border:1px solid var(--cfs-line);border-top:5px solid var(--cfs-forest);border-radius:12px;padding:20px;background:#fff}
.cfs-tool.is-live{border-top-color:var(--cfs-green);background:#F7FAF5}
.cfs-tool-icon{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:12px;background:var(--cfs-mist);color:var(--cfs-forest);font-size:26px}
.cfs-pill{position:absolute;top:18px;right:18px;padding:3px 10px;border-radius:999px;background:var(--cfs-sun);color:var(--cfs-forest);font:700 11px/1.5 "Source Sans 3",system-ui,sans-serif;letter-spacing:.06em;text-transform:uppercase}
.cfs-pill--live{background:var(--cfs-green);color:#fff}
#td-outer-wrap .cfs-tool h3{margin:14px 0 6px;font:700 20px/1.25 "Source Serif 4",Georgia,serif;color:var(--cfs-forest)}
.cfs-tool h3 a{color:var(--cfs-green)!important}
#td-outer-wrap .cfs-tool p{margin:0;font-size:16px;line-height:1.5;color:var(--cfs-muted)}
@media (max-width:900px){.cfs-toolkit{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.cfs-writers,.cfs-toolkit{grid-template-columns:minmax(0,1fr)}}
/* ads inside Downtown's columns */
.cfs-dt-ad{margin:0 auto 24px}
.cfs-sib-cur{color:var(--cfs-green)!important;font-weight:700}
/* ---- publication content (shared magblog site-layer classes) ---- */
.tbgl-main{background:#fff}
.tbgl-wrap{max-width:1140px;margin:0 auto;padding:56px 24px 64px;box-sizing:border-box}
.tbgl-article{max-width:780px}
.tbgl-kicker{font-family:"Source Serif 4",Georgia,serif;font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--uta-blue);margin:0 0 10px}
.tbgl-title{font-family:"Source Serif 4",Georgia,serif;font-weight:700;font-size:44px;line-height:1.1;color:var(--uta-deep);margin:0 0 16px}
.tbgl-sub{font-family:"Source Sans 3",system-ui,sans-serif;font-size:20px;line-height:1.55;color:var(--uta-muted);max-width:720px;margin:0 0 28px}
.tbgl-page-head{margin-bottom:28px}
.tbgl-body{font-family:"Source Sans 3",system-ui,sans-serif;font-size:19px;line-height:1.7;color:var(--uta-ink)}
.tbgl-body h2,.tbgl-body h3{font-family:"Source Serif 4",Georgia,serif;font-weight:700;color:var(--uta-deep);margin:1.6em 0 .5em}
.tbgl-body a{color:var(--uta-wave);text-decoration:underline}
.tbgl-body p{margin:0 0 1.1em}
.tbgl-body table{width:100%;border-collapse:collapse;font-size:16px;margin:1em 0 1.4em;display:block;overflow-x:auto}
.tbgl-body th,.tbgl-body td{padding:8px 10px;border-bottom:1px solid var(--uta-line);text-align:left;vertical-align:top}
.tbgl-btn{display:inline-block;background:var(--uta-deep);color:#fff!important;font-family:"Source Serif 4",Georgia,serif;font-weight:700;font-size:15px;padding:12px 22px;border-radius:999px;text-decoration:none;border:0;cursor:pointer}
.tbgl-btn:hover{background:var(--uta-blue)}
.tbgl-more{margin:32px 0 0}
.tbgl-soon{text-align:left}
.tbgl-sections{list-style:none;margin:8px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.tbgl-sections a{display:block;height:100%;box-sizing:border-box;padding:20px 22px;border:1px solid var(--uta-line);border-left:5px solid var(--uta-blue);border-radius:10px;background:#fff;text-decoration:none}
.tbgl-sections a:hover{border-left-color:var(--uta-gold);background:var(--uta-mist)}
.tbgl-sections strong{display:block;font-family:"Source Serif 4",Georgia,serif;font-size:21px;font-weight:700;color:var(--uta-deep)}
.tbgl-sections span{display:block;margin-top:6px;font-family:"Source Sans 3",system-ui,sans-serif;font-size:16px;line-height:1.45;color:var(--uta-muted)}
.tbgl-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.tbgl-card img{width:100%;height:auto;display:block;border-radius:8px}
.tbgl-cat{display:inline-block;margin:12px 0 6px;font-family:"Source Serif 4",Georgia,serif;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--uta-blue);text-decoration:none}
.tbgl-card-title{font-family:"Source Serif 4",Georgia,serif;font-weight:700;font-size:21px;line-height:1.25;margin:0 0 8px}
.tbgl-card-title a{color:var(--uta-deep);text-decoration:none}
.tbgl-card-title a:hover{color:var(--uta-blue)}
.tbgl-excerpt{font-family:"Source Sans 3",system-ui,sans-serif;color:var(--uta-muted);margin:0 0 8px}
.tbgl-meta{font-family:"Source Serif 4",Georgia,serif;font-size:13px;color:var(--uta-muted)}
.tbgl-meta a{color:var(--uta-deep)}
.tbgl-cover{margin:0 0 28px}.tbgl-cover img{width:100%;height:auto;border-radius:8px}.tbgl-cover figcaption{font-size:13px;color:var(--uta-muted);margin-top:6px}
.tbgl-related{margin-top:48px}.tbgl-related h2{font-family:"Source Serif 4",Georgia,serif;font-weight:700;color:var(--uta-deep)}
.tbgl-empty{font-family:"Source Sans 3",system-ui,sans-serif;font-size:19px;color:var(--uta-muted);padding:24px 0}
.tbgl-form{margin-top:24px;display:flex;gap:12px;flex-wrap:wrap;align-items:end}
.tbgl-form input{padding:10px;border:1px solid #CBD5C7;border-radius:6px;min-width:0;max-width:100%}
@media (max-width:1018px){.tbgl-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:767px){
  .tbgl-wrap{padding:36px 16px 44px}
  .tbgl-title{font-size:32px}.tbgl-sub{font-size:18px}
  .tbgl-grid,.tbgl-sections{grid-template-columns:1fr}
}
/* Say What sets list indents and fonts globally; keep the publication's own areas exact. */
.tbgl-main .tbgl-sections{padding-left:0!important;margin-left:0!important}
.tbgl-main .tbgl-sections li{margin:0!important;list-style:none}
#td-outer-wrap .tbgl-main :is(.tbgl-sub,.tbgl-body,.tbgl-body p,.tbgl-body li,.tbgl-excerpt,.tbgl-empty,.tbgl-sections span){font-family:"Source Sans 3",system-ui,sans-serif!important}
#td-outer-wrap .tbgl-main :is(.tbgl-title,.tbgl-card-title,.tbgl-body h2,.tbgl-body h3){text-transform:none}
/* pull quote + credited in-article images from the article renderer */
#td-outer-wrap .tbgl-body>blockquote{margin:2em 0;padding:4px 0 4px 26px;border-left:5px solid var(--uta-gold);font-family:"Source Serif 4",Georgia,serif!important;font-style:normal;font-weight:700;font-size:25px;line-height:1.35;color:var(--uta-deep);text-align:left;background:none;text-transform:none}
#td-outer-wrap .tbgl-body>blockquote::before,#td-outer-wrap .tbgl-body>blockquote::after{content:none}
.tbgl-body .article-gallery{margin:2.2em 0;display:flex;flex-direction:column;gap:30px}
.tbgl-body .article-gallery figure{margin:0}
.tbgl-body .article-gallery img{display:block;width:100%;height:auto;border-radius:8px}
#td-outer-wrap .tbgl-body .article-gallery figcaption{font-family:"Source Serif 4",Georgia,serif!important;font-size:13px;line-height:1.4;color:var(--uta-muted);margin-top:8px}
@media (max-width:700px){#td-outer-wrap .tbgl-body>blockquote{font-size:21px;padding-left:18px}.tbgl-body .article-gallery{gap:22px}}
/* contact form from the CMS core */
.tbgl-main form:not(.cfs-sub) input[type=text],.tbgl-main form:not(.cfs-sub) input[type=email],.tbgl-main form:not(.cfs-sub) textarea{max-width:100%;box-sizing:border-box}
@media (max-width:767px){.td-footer-wrapper .footer-logo-wrap{text-align:center}.td-footer-wrapper .footer-logo-wrap a{display:inline-block}.td-footer-wrapper .footer-logo-wrap .np-custom-logo{margin:0 auto}}

.td-footer-template-wrap .tdm-descr a{color:var(--cfs-leaf2)!important}
/* ---- v2 (KJ brand diversity 2026-11-07): deep forest main, Source Serif 4 headlines + nav ---- */
#td-outer-wrap .td-module-title,#td-outer-wrap .td-module-title a,#td-outer-wrap .tdm-title,#td-outer-wrap .tdb-title-text,#td-outer-wrap h1,#td-outer-wrap h2,#td-outer-wrap h3{font-family:"Source Serif 4",Georgia,serif!important}
#td-outer-wrap .td-module-title{font-weight:700!important;letter-spacing:-.005em}
.tdb-menu>li>a .tdb-menu-item-text,#td-mobile-nav .td-mobile-content a{font-family:"Source Serif 4",Georgia,serif!important;font-weight:600!important;text-transform:none!important;letter-spacing:0!important}
.tdb-menu>li>a .tdb-menu-item-text{font-size:15px!important}
.tdb-menu .cfs-more>.sub-menu a,.tdb-menu .cfs-more>.sub-menu a .tdb-menu-item-text{font-family:"Source Serif 4",Georgia,serif!important;font-weight:600}
#td-outer-wrap .td-post-category,#td-outer-wrap .tdm-btn-text,.cfs-pill,.cfs-cs .td-post-category::after{font-family:"Source Sans 3",system-ui,sans-serif!important}
/* worked example block (cfs-line :::example): a made-up scenario, set apart from the facts */
.cfs-example{background:#F4ECCF;border-left:5px solid #F08A4B;border-radius:10px;padding:18px 22px}
.cfs-example .tbgl-el-title{display:flex;align-items:center;gap:8px;color:#1D4D33}
.cfs-example .tbgl-el-title i{font-size:18px;color:#2E7D3A}
.cfs-example-intro{margin:0 0 10px!important;font-size:17px;line-height:1.55;color:#1B2430}
.cfs-example ul{margin:0;padding-left:20px}.cfs-example li{margin:0 0 6px;font-size:17px;line-height:1.5;color:#1B2430}
.cfs-author-avatar{display:block;width:120px;height:120px;border-radius:50%;margin:0 0 18px}
@media (min-width:1019px){#td-outer-wrap .tdi_120 .td-module-title{font-size:32px!important;line-height:1.15!important}}
/* v3: category labels that sit on an image or a coloured chip stay white; section sibling chips in forest */
#td-outer-wrap .td-big-grid-flex .td-post-category,#td-outer-wrap .td-image-container .td-post-category{color:#fff!important;background-color:var(--cfs-green)!important}
#td-outer-wrap .tdb_category_sibling_categories a{background-color:var(--cfs-forest)!important;color:#fff!important;border-color:var(--cfs-forest)!important}
#td-outer-wrap .tdb_category_sibling_categories a.cfs-sib-cur{background-color:var(--cfs-sun)!important;color:var(--cfs-forest)!important}

/* 2026-11-09 (Nyvia): section and page intros use the full content width; article deks keep the 720px reading width */
section.tbgl-wrap > .tbgl-page-head .tbgl-sub{max-width:none}

/* 2026-11-09 (Nyvia): home hero images show the full 3:2 story image (Downtown cropped the lead to 4:3 and the side
   thumbnails a little). On phones the lead story with its image comes first, right under the header ad. */
body.home :is(.tdi_124,.tdi_129) .td-image-wrap{padding-bottom:66.667%!important}
body.home :is(.tdi_124,.tdi_129) .entry-thumb{background-size:cover!important;background-position:center!important}
@media (max-width:767px){
 body.home .tdi_113{display:flex!important;flex-direction:column}
 body.home .tdi_113:before,body.home .tdi_113:after{display:none!important}
 body.home .tdi_113>.tdi_123{order:-1;margin-bottom:32px}
}