/* ============================================================
   retailbank.org — shared stylesheet
   Editorial reference work on consumer banking
   ============================================================ */

:root {
  --bg:        #f6f1e7;
  --bg-soft:   #efe7d4;
  --ink:      #1a1612;
  --ink-soft: #5c544a;
  --ink-faint:#665e4f;
  --rule:     #d4c8b3;
  --accent:   #7a1f2b;
  --accent-soft:#a85968;

  --serif-display: "Fraunces", "Iowan Old Style", "Palatino Linotype",
                   Palatino, Georgia, serif;
  --serif-body:    "Iowan Old Style", "Palatino Linotype", Palatino,
                   "Book Antiqua", Georgia, serif;

  --measure: 36rem;       /* ideal reading measure */
  --measure-wide: 56rem;
  --gutter: clamp(1.25rem, 3vw, 2rem);
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg:        #18140f;
    --bg-soft:   #211c15;
    --ink:      #ece4d2;
    --ink-soft: #b8ad95;
    --ink-faint:#a89e87;
    --rule:     #3a3225;
    --accent:   #d98a96;
    --accent-soft:#b86875;
  }
}

* { box-sizing: border-box; }

html {
  font-size: 17px;
  -webkit-text-size-adjust: 100%;
  text-rendering: optimizeLegibility;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--serif-body);
  font-feature-settings: "kern", "liga", "onum";
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* --- skip link --- */
.skip {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: var(--bg);
  padding: 0.5rem 1rem;
  z-index: 99;
}
.skip:focus { left: 0.5rem; top: 0.5rem; }

/* --- layout --- */
.wrap {
  max-width: var(--measure-wide);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.wrap--narrow { max-width: var(--measure); }

/* --- masthead --- */
.mast {
  border-bottom: 1px solid var(--rule);
  padding: clamp(2.5rem, 6vw, 4.5rem) 0 clamp(1.75rem, 4vw, 2.75rem);
}
.mast__row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.mast__mark {
  font-family: var(--serif-display);
  font-weight: 500;
  font-size: clamp(2.25rem, 5.5vw, 3.5rem);
  letter-spacing: -0.02em;
  line-height: 1;
  margin: 0;
}
.mast__mark a {
  color: var(--ink);
  text-decoration: none;
}
.mast__mark a:hover { color: var(--accent); }
.mast__mark em {
  font-style: italic;
  color: var(--accent);
  font-weight: 400;
}
.mast__meta {
  font-family: var(--serif-display);
  font-feature-settings: "smcp", "c2sc";
  text-transform: lowercase;
  letter-spacing: 0.12em;
  font-size: 0.75rem;
  color: var(--ink-faint);
  font-weight: 500;
}
.mast__tag {
  font-family: var(--serif-display);
  font-style: italic;
  font-size: 1.25rem;
  color: var(--ink-soft);
  margin: 0;
  max-width: var(--measure);
}

/* --- editorial intro --- */
.intro {
  padding: clamp(2.5rem, 5vw, 4rem) 0;
  border-bottom: 1px solid var(--rule);
}
.intro p {
  font-family: var(--serif-body);
  font-size: 1.1875rem;
  line-height: 1.6;
  max-width: var(--measure);
  margin: 0 0 1rem;
}
.intro p:last-child { margin-bottom: 0; }
.intro p:first-of-type::first-line {
  font-variant: small-caps;
  letter-spacing: 0.03em;
}

/* --- section heading bar --- */
.toc-section {
  padding: clamp(2.5rem, 5vw, 3.5rem) 0;
  border-bottom: 1px solid var(--rule);
}
.toc-section:last-of-type { border-bottom: none; }

.toc-section__head {
  display: grid;
  grid-template-columns: 4rem 1fr;
  gap: 1.5rem;
  align-items: baseline;
  margin-bottom: 2rem;
}
.toc-section__num {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 2rem;
  color: var(--accent);
  line-height: 1;
}
.toc-section__title {
  font-family: var(--serif-display);
  font-weight: 500;
  font-size: clamp(1.75rem, 3.5vw, 2.25rem);
  letter-spacing: -0.015em;
  line-height: 1.1;
  margin: 0 0 0.5rem;
}
.toc-section__desc {
  font-family: var(--serif-body);
  font-size: 1.0625rem;
  color: var(--ink-soft);
  max-width: var(--measure);
  margin: 0;
}

/* --- entries list --- */
.entries {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}
@media (min-width: 720px) {
  .entries { grid-template-columns: 1fr 1fr; column-gap: 2.5rem; }
}
.entry {
  border-top: 1px solid var(--rule);
  padding: 1.1rem 0;
  margin: 0;
}
.entry__link {
  color: var(--ink);
  text-decoration: none;
  display: block;
}
.entry__link:hover .entry__title,
.entry__link:focus-visible .entry__title {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
}
.entry__title {
  font-family: var(--serif-display);
  font-weight: 500;
  font-size: 1.1875rem;
  line-height: 1.25;
  letter-spacing: -0.005em;
  margin: 0 0 0.3rem;
  transition: color 0.15s;
}
.entry__desc {
  font-family: var(--serif-body);
  font-size: 0.9375rem;
  line-height: 1.5;
  color: var(--ink-soft);
  margin: 0;
}

/* --- footer / colophon --- */
.foot {
  border-top: 1px solid var(--rule);
  padding: clamp(2.5rem, 5vw, 3.5rem) 0 clamp(2rem, 4vw, 3rem);
  margin-top: 1rem;
  background: var(--bg-soft);
}
.foot__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
@media (min-width: 720px) {
  .foot__grid { grid-template-columns: 1.4fr 1fr 1fr; }
}
.foot h3 {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--accent);
  margin: 0 0 0.6rem;
  letter-spacing: 0.01em;
}
.foot p, .foot li {
  font-size: 0.9375rem;
  line-height: 1.55;
  color: var(--ink-soft);
  margin: 0 0 0.5rem;
}
.foot ul { list-style: none; padding: 0; margin: 0; }
.foot a { color: var(--ink); }
.foot a:hover { color: var(--accent); }
.foot__legal {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule);
  font-family: var(--serif-display);
  font-feature-settings: "smcp", "c2sc";
  text-transform: lowercase;
  letter-spacing: 0.1em;
  font-size: 0.7rem;
  color: var(--ink-faint);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

/* --- generic prose styling for article pages --- */
.article {
  padding: clamp(2rem, 5vw, 3.5rem) 0 clamp(3rem, 6vw, 5rem);
}
.article__crumbs {
  font-family: var(--serif-display);
  font-feature-settings: "smcp", "c2sc";
  text-transform: lowercase;
  letter-spacing: 0.1em;
  font-size: 0.75rem;
  color: var(--ink-faint);
  margin-bottom: 1.5rem;
}
.article__crumbs a { color: var(--ink-faint); text-decoration: none; }
.article__crumbs a:hover { color: var(--accent); }
.article__title {
  font-family: var(--serif-display);
  font-weight: 500;
  font-size: clamp(2rem, 5vw, 3rem);
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin: 0 0 1rem;
  max-width: var(--measure);
}
.article__lede {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 1.3125rem;
  line-height: 1.45;
  color: var(--ink-soft);
  max-width: var(--measure);
  margin: 0 0 2.5rem;
}
.article__meta {
  font-family: var(--serif-display);
  font-feature-settings: "smcp", "c2sc";
  text-transform: lowercase;
  letter-spacing: 0.1em;
  font-size: 0.75rem;
  color: var(--ink-faint);
  margin-bottom: 2rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--rule);
}
.prose { max-width: var(--measure); }
.prose h2 {
  font-family: var(--serif-display);
  font-weight: 500;
  font-size: 1.5rem;
  letter-spacing: -0.01em;
  margin: 2.5rem 0 0.75rem;
  line-height: 1.2;
}
.prose h3 {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 1.2rem;
  margin: 2rem 0 0.5rem;
}
.prose p { margin: 0 0 1rem; font-size: 1.0625rem; line-height: 1.6; }
.prose a { color: var(--accent); text-underline-offset: 2px; }
.prose a:hover { text-decoration-thickness: 2px; }
.prose ul, .prose ol { padding-left: 1.2rem; margin: 0 0 1rem; }
.prose li { margin-bottom: 0.4rem; line-height: 1.55; }
.prose blockquote {
  border-left: 2px solid var(--accent);
  margin: 1.5rem 0;
  padding: 0.25rem 0 0.25rem 1rem;
  font-style: italic;
  color: var(--ink-soft);
}
.prose code {
  font-family: ui-monospace, "SF Mono", Menlo, Consolas, monospace;
  font-size: 0.9em;
  background: var(--bg-soft);
  padding: 0.1em 0.35em;
  border-radius: 2px;
}
.prose table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.9375rem;
}
.prose th, .prose td {
  text-align: left;
  padding: 0.55rem 0.75rem;
  border-bottom: 1px solid var(--rule);
}
.prose th { font-family: var(--serif-display); font-weight: 500; }

.callout {
  background: var(--bg-soft);
  border-left: 3px solid var(--accent);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: 0.95rem;
}
.callout strong {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 500;
  color: var(--accent);
}

.see-also {
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule);
}
.see-also h2 {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 1.1rem;
  color: var(--accent);
  margin: 0 0 1rem;
}
.see-also ul { list-style: none; padding: 0; }
.see-also li { margin-bottom: 0.4rem; }
.see-also a { color: var(--ink); }

.sources {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule);
  font-size: 0.875rem;
  color: var(--ink-soft);
}
.sources h2 {
  font-family: var(--serif-display);
  font-style: italic;
  font-weight: 400;
  font-size: 1rem;
  color: var(--accent);
  margin: 0 0 0.75rem;
}
.sources ol { padding-left: 1.2rem; }
.sources li { margin-bottom: 0.4rem; line-height: 1.5; }

::selection { background: var(--accent); color: var(--bg); }

:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }