/* StudyVest v20 public system — additive migration layer */
:root{
  --sv20-navy:#071a34;--sv20-navy-2:#0d2b54;--sv20-blue:#245eea;--sv20-blue-dark:#1649c7;
  --sv20-ink:#0b1d38;--sv20-copy:#45556e;--sv20-muted:#65738a;--sv20-line:#dce4ef;
  --sv20-soft:#f5f8fc;--sv20-blue-soft:#edf3ff;--sv20-white:#fff;--sv20-success:#087c63;
  --sv20-radius-sm:10px;--sv20-radius:16px;--sv20-radius-lg:24px;
  --sv20-shadow:0 12px 34px rgba(7,26,52,.07);--sv20-max:1180px;--sv20-reading:720px;
  --sv20-s1:4px;--sv20-s2:8px;--sv20-s3:12px;--sv20-s4:16px;--sv20-s5:24px;
  --sv20-s6:32px;--sv20-s7:48px;--sv20-s8:64px;--sv20-s9:88px;
}
html{scroll-padding-top:92px}body{color:var(--sv20-ink);font-size:16px;line-height:1.58;background:var(--sv20-white)}
.shell{width:min(var(--sv20-max),calc(100% - 40px))}h1,h2,h3{color:var(--sv20-ink);letter-spacing:-.045em}p{color:var(--sv20-copy)}
:where(a,button,input,select,textarea,summary):focus-visible{outline:3px solid rgba(36,94,234,.35);outline-offset:3px}
.skip{border-radius:var(--sv20-radius-sm);font-weight:800}.announcement{padding:7px 0;background:var(--sv20-navy);font-size:11px;letter-spacing:.01em}
.announcement .shell{min-height:24px;align-items:center}.announcement a{text-decoration:underline;text-underline-offset:3px}
.header{top:0;background:rgba(255,255,255,.98);border-color:var(--sv20-line);box-shadow:none;backdrop-filter:blur(12px)}
.header-row{height:72px;gap:24px}.brand-mark{width:134px}.menu{min-height:44px;padding:9px 14px;border-color:var(--sv20-line);border-radius:12px;color:var(--sv20-navy);font-weight:800}
.nav{gap:4px}.nav>a{padding:9px 10px;border-radius:9px;color:#273750;font-size:13px;font-weight:750;text-decoration:none!important}
.nav>a:hover{background:var(--sv20-soft);color:var(--sv20-navy)}.nav>a.active{background:var(--sv20-blue-soft);color:var(--sv20-blue)}
.nav-account{display:flex;align-items:center;gap:8px;margin-left:8px;padding-left:12px;border-left:1px solid var(--sv20-line)}
.nav-account [hidden]{display:none!important}
.nav-account a{display:inline-flex;min-height:42px;align-items:center;justify-content:center;padding:9px 14px;border-radius:999px;font-size:13px;font-weight:800;text-decoration:none}
.nav-signin{color:var(--sv20-navy)}.nav-create{background:var(--sv20-blue);color:#fff!important;box-shadow:0 6px 16px rgba(36,94,234,.18)}
.nav-create:hover{background:var(--sv20-blue-dark)}
.button{min-height:46px;padding:12px 20px;border:1px solid var(--sv20-line);border-radius:12px;box-shadow:none;color:var(--sv20-navy);font-weight:800;transition:background .16s ease,border-color .16s ease,color .16s ease,transform .16s ease}
.button:hover{transform:translateY(-1px);background:var(--sv20-soft);border-color:#b9c7db}.button.primary{border-color:var(--sv20-blue);background:var(--sv20-blue);box-shadow:none;color:#fff}
.button.primary:hover{background:var(--sv20-blue-dark);border-color:var(--sv20-blue-dark)}.button.secondary{background:#fff;color:var(--sv20-navy)}
.eyebrow{color:var(--sv20-blue);font-size:12px;font-weight:850;letter-spacing:.15em}.section{padding:var(--sv20-s9) 0}.section.pale{background:var(--sv20-blue-soft)}.section.soft{background:var(--sv20-soft)}
.section-head{margin-bottom:var(--sv20-s7)}.section-head h2{font-size:clamp(36px,4.8vw,60px);line-height:1.02}.section-head p{color:var(--sv20-copy);line-height:1.65}
.simple-card,.tool-card,.path-card,.article-card,.course-card,.calc-card,.contact-form,.pricing-card{border-color:var(--sv20-line);border-radius:var(--sv20-radius-lg);box-shadow:none}
.status-pill,.badge{border-radius:999px}.field input,.field select,.field textarea,.contact-form input,.contact-form select,.contact-form textarea{min-height:46px;border-color:#cbd6e5;border-radius:12px}
.form-status.error,.feed-message{border-radius:var(--sv20-radius);background:#fff6f6}.form-status.success{color:var(--sv20-success)}
.footer{padding:64px 0 28px;background:var(--sv20-navy);border:0;color:#fff}.footer .brand-mark{display:none}.footer .brand:after{content:'StudyVest';display:block;color:#78a8ff;font-size:25px;font-weight:900;letter-spacing:-.05em}.footer .brand{min-height:34px}
.footer h4{color:#fff;font-size:12px;letter-spacing:.12em;text-transform:uppercase}.footer a{color:#dbe6f7}.footer a:hover{color:#fff;text-decoration:underline;text-underline-offset:3px}
.footer p,.footer .small-note,.footer .contact-line{color:#c9d7ea}.footer-grid{gap:40px}.footer-disclaimer{padding-top:28px;border-top:1px solid rgba(255,255,255,.12);color:#c0cee1!important}.copyright{color:#a9b9cf!important}
/* Opportunity Finder: a contained, responsive StudyVest tool shell. */
.opportunity-finder-shell{width:min(1240px,calc(100% - 40px))!important}
.opportunity-finder-page{padding-top:clamp(2rem,5vw,4.5rem)!important}
.finder-hero-panel,.finder-search-panel,.finder-results-panel,.finder-trust-panel{border:1px solid var(--sv20-line);border-radius:24px;background:#fff;box-shadow:0 18px 44px rgba(8,31,63,.07)}
.finder-hero-panel{padding:clamp(1.7rem,4vw,3.2rem);background:linear-gradient(135deg,#f5f8ff,#fff)}
.finder-hero-panel h1{max-width:820px;margin:.6rem 0 1rem;font-size:clamp(2.5rem,5.2vw,4.8rem);line-height:.98}
.finder-hero-panel p{max-width:760px;margin:0;color:var(--sv20-muted);font-size:clamp(1rem,1.8vw,1.15rem);line-height:1.7}
.finder-search-panel,.finder-results-panel{margin-top:24px;padding:clamp(1.35rem,3vw,2.25rem)}
.finder-panel-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:1rem;margin-bottom:1.35rem}
.finder-panel-heading h2{margin:.35rem 0 0;font-size:clamp(1.5rem,3vw,2.25rem);letter-spacing:-.035em}
.finder-badge{display:inline-flex;padding:.5rem .75rem;border-radius:999px;background:var(--sv20-blue-soft);color:var(--sv20-blue);font-size:.78rem;font-weight:850;white-space:nowrap}
.finder-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 24px}
.finder-field{display:flex;min-width:0;flex-direction:column;gap:8px;color:var(--sv20-ink);font-size:.9rem;font-weight:800}
.finder-field select,.finder-field input{box-sizing:border-box;width:100%;min-width:0;height:48px;padding:0 14px;border:1px solid #cbd6e5;border-radius:12px;background:#fff;color:var(--sv20-ink);font:inherit;font-weight:550;outline:none;transition:border-color .2s ease,box-shadow .2s ease}
.finder-field select:focus,.finder-field input:focus{border-color:var(--sv20-blue);box-shadow:0 0 0 3px rgba(36,94,234,.15)}
.finder-actions{display:flex;margin-top:22px}.finder-actions .button{min-height:48px}
.finder-results-panel{background:#fbfcff}.finder-status{margin-top:.5rem;padding:14px 16px;border:1px solid #dce5f2;border-radius:12px;background:#fff;color:#40516b;line-height:1.5}.finder-status.is-loading{background:#f1f6ff;color:#17499d}.finder-status.is-success{background:#eef9f3;border-color:#b9e5c9;color:#17643a}.finder-status.is-quota{background:#fff8e8;border-color:#f0d58f;color:#755000}.finder-status.is-error{background:#fff3f3;border-color:#efc4c4;color:#8b2b2b}
.finder-results-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:18px}
.finder-result-card{display:flex;min-width:0;flex-direction:column;padding:20px;border:1px solid var(--sv20-line);border-radius:18px;background:#fff}.finder-result-eyebrow{color:var(--sv20-blue);font-size:.7rem;font-weight:900;letter-spacing:.1em}.finder-result-provider{margin:.4rem 0;color:var(--sv20-muted);font-size:.84rem;font-weight:700}.finder-result-card h3{margin:.15rem 0 .7rem;font-size:1.35rem;line-height:1.15}.finder-result-card>p:not(.finder-result-provider){margin:0;color:#4d5c70;line-height:1.55}.finder-result-meta{display:flex;flex-wrap:wrap;gap:8px;margin:1rem 0;font-size:.78rem;color:#52637a}.finder-result-meta span{display:inline-flex;flex-direction:column;padding:7px 9px;border-radius:9px;background:#f3f6fa}.finder-result-meta strong{color:var(--sv20-ink);font-size:.68rem;text-transform:uppercase;letter-spacing:.04em}.finder-result-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto}.finder-result-card .button{align-self:flex-start;min-height:42px;padding:10px 14px}
.finder-trust-panel{margin-top:24px;padding:18px 20px;background:var(--sv20-navy);color:#fff}.finder-trust-panel strong{display:block;margin-bottom:5px}.finder-trust-panel p{max-width:900px;margin:0;color:#d5e0ef;line-height:1.6;font-size:.9rem}
@media(max-width:760px){.opportunity-finder-shell{width:min(100% - 28px,var(--sv20-max))!important}.finder-form-grid,.finder-results-grid{grid-template-columns:1fr}.finder-panel-heading{align-items:flex-start;flex-direction:column}.finder-badge{white-space:normal}.finder-actions .button{width:100%}}

/* Homepage */
.v20-home-hero{padding:72px 0 76px;background:#fff;overflow:hidden}.v20-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);gap:64px;align-items:center}
.v20-hero-copy h1{max-width:720px;margin:14px 0 22px;font-size:clamp(48px,6.6vw,82px);line-height:.98}.v20-hero-copy>p{max-width:650px;font-size:19px;line-height:1.66}
.v20-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.v20-hero-note{display:flex;gap:8px;align-items:center;margin-top:20px;color:var(--sv20-muted);font-size:13px;font-weight:700}.v20-hero-note:before{content:'✓';color:var(--sv20-success)}
.v20-hero-panel{position:relative;margin:0;padding:18px;border:1px solid var(--sv20-line);border-radius:28px;background:var(--sv20-soft)}.v20-hero-panel img{width:100%;height:360px;object-fit:cover;border-radius:18px}
.v20-hero-panel figcaption{display:grid;grid-template-columns:1fr auto;gap:16px;align-items:center;padding:18px 8px 4px}.v20-hero-panel strong{font-size:18px}.v20-hero-panel span{color:var(--sv20-muted);font-size:13px}
.v20-proof{border-top:1px solid var(--sv20-line);border-bottom:1px solid var(--sv20-line);background:var(--sv20-soft)}.v20-proof-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1px}
.v20-proof-row div{padding:22px 26px;border-right:1px solid var(--sv20-line)}.v20-proof-row div:last-child{border:0}.v20-proof-row strong{display:block}.v20-proof-row span{color:var(--sv20-muted);font-size:13px}
.v20-task-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.v20-task{padding:26px;border:1px solid var(--sv20-line);border-radius:20px;background:#fff}.v20-task-no{display:inline-flex;margin-bottom:28px;color:var(--sv20-blue);font-size:12px;font-weight:900}.v20-task h3{margin-bottom:10px;font-size:24px}.v20-task p{margin:0;font-size:15px}
.v20-free-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:start}.v20-free-intro{position:sticky;top:110px}.v20-free-intro h2{font-size:clamp(40px,5vw,62px)}.v20-free-list{display:grid;gap:12px}.v20-free-item{display:grid;grid-template-columns:46px 1fr auto;gap:16px;align-items:center;padding:20px;border:1px solid var(--sv20-line);border-radius:18px;background:#fff;text-decoration:none}.v20-free-item:hover{border-color:#a9bbe0}.v20-free-item>span:first-child{display:grid;width:44px;height:44px;place-items:center;border-radius:14px;background:var(--sv20-blue-soft);color:var(--sv20-blue);font-weight:900}.v20-free-item strong{display:block}.v20-free-item small{display:block;margin-top:3px;color:var(--sv20-muted)}.v20-free-item>span:last-child{color:var(--sv20-blue);font-size:20px}
.v20-journey{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:42px}.v20-step{position:relative;padding:26px 24px;border-top:2px solid #cbd8eb}.v20-step:before{content:'';position:absolute;top:-7px;left:24px;width:12px;height:12px;border-radius:50%;background:var(--sv20-blue)}.v20-step span{font-size:11px;font-weight:900;color:var(--sv20-blue)}.v20-step h3{margin:20px 0 8px;font-size:23px}.v20-step p{font-size:14px}
.v20-split{display:grid;grid-template-columns:1fr 1fr;gap:18px}.v20-outcome-card{padding:34px;border:1px solid var(--sv20-line);border-radius:24px;background:#fff}.v20-outcome-card h3{font-size:30px}.v20-outcome-card ul{padding-left:20px;color:var(--sv20-copy)}.v20-outcome-card li{margin:9px 0}
.v20-markets{display:grid;grid-template-columns:1fr .8fr;gap:56px;align-items:center}.v20-market-card{padding:28px;border-radius:24px;background:var(--sv20-navy);color:#fff}.v20-market-card h3{color:#fff;font-size:28px}.v20-market-card p{color:#c8d5e7}.v20-market-row{display:flex;justify-content:space-between;gap:18px;padding:15px 0;border-top:1px solid rgba(255,255,255,.13)}.v20-market-row span{color:#b8c8dd;font-size:13px}
.v20-pro{background:var(--sv20-navy);color:#fff}.v20-pro h2,.v20-pro h3{color:#fff}.v20-pro p{color:#c8d5e7}.v20-pro-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}.v20-price{display:flex;gap:16px;flex-wrap:wrap;margin:28px 0}.v20-price span{padding:10px 13px;border:1px solid rgba(255,255,255,.2);border-radius:999px;font-weight:800}.v20-pro-tasks{display:grid;grid-template-columns:1fr 1fr;gap:12px}.v20-pro-task{padding:22px;border:1px solid rgba(255,255,255,.14);border-radius:18px;background:rgba(255,255,255,.045)}.v20-pro-task h3{font-size:20px}.v20-pro-task p{margin:0;font-size:14px}
.v20-campus{display:grid;grid-template-columns:1fr .95fr;gap:64px;align-items:center}.v20-campus figure{margin:0}.v20-campus img{width:100%;height:380px;object-fit:cover;border-radius:24px}.v20-campus-pills{display:flex;gap:8px;flex-wrap:wrap;margin:24px 0}.v20-campus-pills span{padding:8px 11px;border-radius:999px;background:var(--sv20-soft);font-size:13px;font-weight:800}
.v20-trust-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.v20-trust-card{padding:28px;border:1px solid var(--sv20-line);border-radius:20px;background:#fff}.v20-trust-card a{color:var(--sv20-blue);font-weight:800}.v20-final{text-align:center;background:var(--sv20-blue-soft)}.v20-final h2{max-width:760px;margin-inline:auto}.v20-final p{max-width:620px;margin-inline:auto}.v20-final .button{margin-top:18px}

@media(max-width:1100px){
  .header-row{height:68px}.menu{display:block;margin-left:auto}.nav{position:absolute;top:100%;left:50%;width:100vw;transform:translateX(-50%);display:none;max-height:calc(100vh - 68px);overflow-y:auto;padding:18px 20px 24px;background:#fff;border-bottom:1px solid var(--sv20-line);box-shadow:0 22px 50px rgba(7,26,52,.12);align-items:stretch}
  .nav.open{display:flex;flex-direction:column}.nav>a{display:block!important;padding:12px 14px;font-size:15px}.nav-account{display:grid;grid-template-columns:1fr 1fr;margin:10px 0 0;padding:18px 0 0;border-left:0;border-top:1px solid var(--sv20-line)}
  .v20-hero-grid{grid-template-columns:1fr .8fr;gap:40px}.v20-task-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:800px){
  .section{padding:64px 0}.v20-home-hero{padding:54px 0 60px}.v20-hero-grid,.v20-free-grid,.v20-markets,.v20-pro-grid,.v20-campus{grid-template-columns:1fr}.v20-hero-panel img{height:320px}.v20-free-intro{position:static}.v20-journey{grid-template-columns:1fr 1fr}.v20-pro-tasks{grid-template-columns:1fr}.v20-proof-row{grid-template-columns:1fr}.v20-proof-row div{border-right:0;border-bottom:1px solid var(--sv20-line)}
}
@media(max-width:560px){
  .shell{width:min(100% - 28px,var(--sv20-max))}.announcement .shell{gap:2px}.announcement a{font-size:11px}.brand-mark{width:126px}.nav-account{grid-template-columns:1fr}.nav-account a{width:100%}
  .v20-hero-copy h1{font-size:clamp(43px,14vw,58px)}.v20-hero-copy>p{font-size:17px}.v20-hero-actions{display:grid}.v20-hero-actions .button{width:100%}.v20-hero-panel{padding:10px;border-radius:20px}.v20-hero-panel img{height:240px;border-radius:13px}.v20-hero-panel figcaption{grid-template-columns:1fr}.v20-task-grid,.v20-split,.v20-trust-grid,.v20-journey{grid-template-columns:1fr}.v20-step{padding-left:20px}.v20-free-item{grid-template-columns:42px 1fr}.v20-free-item>span:last-child{display:none}.v20-outcome-card{padding:25px}.v20-campus img{height:260px}.footer-grid{grid-template-columns:1fr!important}.footer-disclaimer{text-align:left}
}
@media(max-width:360px){.shell{width:min(100% - 24px,var(--sv20-max))}.v20-task{padding:22px}.v20-free-item{padding:16px}.v20-hero-panel img{height:215px}}
@media(prefers-reduced-motion:reduce){.button{transition:none}.button:hover{transform:none}}

/* Contextual education and outcome-led Pro next step. */
.sv-context{margin:18px 0;padding:16px 18px;border-left:3px solid var(--sv20-blue);background:var(--sv20-blue-soft);border-radius:10px}.sv-context .eyebrow{margin-bottom:5px}.sv-context p{margin:0 0 10px;max-width:68ch}.sv-pro-next{margin:20px 0;padding:18px 20px;border:1px solid #b9ccef;border-radius:14px;background:#f6f9ff}.sv-pro-next strong{display:block;color:var(--sv20-navy);margin-bottom:5px}.sv-pro-next p{margin:0 0 12px;max-width:62ch;color:var(--sv20-copy)}
.money-hero h1,.money-hero h2,.money-hero h3{color:#fff}.money-hero .eyebrow{color:#a9c5ff}.money-hero p,.money-hero .small-note{color:#e3ecfb}.money-hero{background:linear-gradient(135deg,#071a34,#0d2b54)}
.opportunities-hero{padding:clamp(48px,6vw,64px) 30px}.opportunities-hero h1{color:#fff!important;opacity:1!important;text-shadow:none}.opportunities-hero .eyebrow{color:#a9c5ff}.opportunities-hero>p{color:#e3ecfb!important;opacity:1;max-width:760px}
.footer-brand-description{color:#c9d7ea!important;max-width:32ch}
.footer-wordmark{color:#78a8ff;font-size:25px;font-weight:900;letter-spacing:-.05em}
.footer .brand:after{content:none}

/* v20.7 shared refinement: controlled hierarchy, calmer cards and reliable focus states. */
:where(.section-head,.money-hero,.article-hero,.lesson-header) h1{font-size:clamp(2rem,4.2vw,3.75rem);line-height:1.06;letter-spacing:-.025em;max-width:18ch}
:where(.section-head,.money-hero,.article-hero,.lesson-header) h2{font-size:clamp(1.45rem,2.4vw,2.25rem);line-height:1.15}
:where(.money-card,.simple-card,.article-card,.tool-card) h2,:where(.money-card,.simple-card,.article-card,.tool-card) h3{font-size:clamp(1.05rem,1.5vw,1.35rem);line-height:1.22}
:where(.section-head,.money-hero,.article-hero,.lesson-header)>p{max-width:68ch;line-height:1.65}
:where(input,select,textarea,button,.button):focus-visible{outline:3px solid rgba(36,94,234,.35);outline-offset:2px}
:where(.money-card,.simple-card,.article-card,.tool-card){border-radius:18px}
@media(max-width:760px){:where(.section-head,.money-hero,.article-hero,.lesson-header) h1{font-size:clamp(1.9rem,9vw,2.7rem);max-width:16ch}}

/* Money Smart Week campaign treatment */
.msw-campaign-logo{display:block;width:150px;max-width:42vw;height:auto;margin:0 0 16px}
.msw-feature-card{border-top:3px solid var(--sv20-blue);padding-top:24px}
.msw-series-nav{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;margin:32px 0;padding:18px 0;border-top:1px solid rgba(30,55,90,.14);border-bottom:1px solid rgba(30,55,90,.14)}
.msw-series-nav .eyebrow{flex-basis:100%;margin:0}
.msw-series-nav a{font-weight:650;color:var(--sv20-navy);text-decoration:none}
.msw-series-nav a:hover,.msw-series-nav a:focus-visible{text-decoration:underline}
@media(max-width:620px){.msw-campaign-logo{width:130px}.msw-series-nav{align-items:flex-start;flex-direction:column}}