/* MentorSurge learning pages: home, start here, learning hubs, lessons,
   about, newsletter. Pairs with ms-shell.css. No web fonts, no framework. */
:root {
  --ms-fact: #7cb8ff;
  --ms-illus: #f3c06b;
  --ms-opinion: #cdb4ff;
  --ms-limit: #ffa494;
  --ms-good: #6fdcb3;
  --ms-radius: 16px;
  --ms-read: 44rem;
}
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; }
body.ms-v3 {
  margin: 0; min-height: 100vh;
  background: radial-gradient(1100px 520px at 85% -10%, rgba(46, 116, 214, 0.16), transparent 70%), var(--mss-bg);
  color: var(--mss-text);
  font: 17px/1.65 var(--mss-font);
  -webkit-font-smoothing: antialiased;
}
.ms-v3 *, .ms-v3 *::before, .ms-v3 *::after { box-sizing: border-box; }
.ms-v3 img { max-width: 100%; height: auto; }
.ms-v3 a { color: var(--mss-blue); text-underline-offset: 3px; }
.ms-v3 a:hover { color: #9fcbff; }
.ms-v3 :focus-visible { outline: 3px solid var(--mss-focus); outline-offset: 3px; border-radius: 4px; }
.ms-v3 main { display: block; padding-top: var(--mss-header-h); }
.ms-v3 h1, .ms-v3 h2, .ms-v3 h3, .ms-v3 h4 { margin: 0; line-height: 1.15; letter-spacing: -0.01em; font-weight: 800; color: var(--mss-text); }
.ms-v3 h1 { font-size: clamp(2.1rem, 1.4rem + 3vw, 3.5rem); text-wrap: balance; }
.ms-v3 h2, .ms-v3 h3 { text-wrap: balance; }
.ms-v3 h2 { font-size: clamp(1.5rem, 1.2rem + 1.3vw, 2.1rem); }
.ms-v3 h3 { font-size: 1.22rem; line-height: 1.3; }
.ms-v3 p { margin: 0; }
.ms-v3 p + p { margin-top: 1em; }
.ms-v3 strong { color: #fff; }
.ms-sr { position: absolute !important; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

.ms-wrap { width: 100%; max-width: calc(var(--mss-max) + 48px); margin: 0 auto; padding: 0 24px; }
.ms-narrow { max-width: calc(var(--ms-read) + 48px); }
@media (max-width: 480px) { .ms-wrap { padding: 0 16px; } }

.ms-kicker { margin: 0 0 12px; color: var(--mss-blue); font-size: 13px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; }
.ms-lede { margin-top: 18px; max-width: 40rem; color: var(--mss-muted); font-size: clamp(1.06rem, 1rem + 0.35vw, 1.22rem); line-height: 1.6; }
.ms-muted { color: var(--mss-muted); }
.ms-small { font-size: 14px; }

.ms-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.ms-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 22px; border-radius: 10px;
  border: 1px solid var(--mss-line-strong); background: transparent;
  color: var(--mss-text) !important; font: 750 16px/1 var(--mss-font); text-decoration: none; cursor: pointer;
}
.ms-btn:hover { border-color: var(--mss-blue); background: rgba(106, 174, 255, 0.08); }
.ms-btn--primary { background: var(--mss-blue); border-color: var(--mss-blue); color: var(--mss-blue-ink) !important; }
.ms-btn--primary:hover { background: #8cc1ff; border-color: #8cc1ff; }
.ms-btn[disabled] { opacity: 0.6; cursor: progress; }

.ms-section { padding: 56px 0; }
.ms-section--tight { padding: 32px 0; }
.ms-section-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 8px 24px; margin-bottom: 24px; }
.ms-section-head p { color: var(--mss-muted); max-width: 44rem; margin-top: 8px; }
.ms-rule { border: 0; border-top: 1px solid var(--mss-line); margin: 0; }

.ms-grid { display: grid; gap: 20px; }
.ms-grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.ms-grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.ms-grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 980px) { .ms-grid-3, .ms-grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .ms-grid-2, .ms-grid-3, .ms-grid-4 { grid-template-columns: minmax(0, 1fr); } }

.ms-card {
  position: relative; display: flex; flex-direction: column; gap: 10px;
  padding: 24px; border: 1px solid var(--mss-line); border-radius: var(--ms-radius);
  background: linear-gradient(180deg, rgba(19, 39, 65, 0.72), rgba(14, 28, 48, 0.72));
}
.ms-card p { color: var(--mss-muted); }
.ms-card .ms-card-meta { margin-top: auto; padding-top: 8px; color: var(--mss-muted); font-size: 14px; }
.ms-card-link { font-weight: 750; text-decoration: none; }
.ms-card-link::after { content: ""; position: absolute; inset: 0; border-radius: var(--ms-radius); }
.ms-card:has(.ms-card-link):hover { border-color: var(--mss-line-strong); background: linear-gradient(180deg, rgba(25, 50, 84, 0.8), rgba(14, 28, 48, 0.8)); }
.ms-card-link:focus-visible { outline: none; }
.ms-card:has(.ms-card-link:focus-visible) { outline: 3px solid var(--mss-focus); outline-offset: 3px; }
.ms-badge {
  align-self: flex-start; display: inline-flex; align-items: center; gap: 6px;
  padding: 3px 10px; border-radius: 999px; border: 1px solid var(--mss-line-strong);
  color: var(--mss-muted); font-size: 13px; font-weight: 700;
}
.ms-num { display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 50%; background: rgba(106, 174, 255, 0.14); color: var(--mss-blue); font-weight: 800; font-size: 15px; }

/* Home hero */
.ms-hero { padding: 72px 0 40px; }
.ms-hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); gap: 48px; align-items: center; }
@media (max-width: 960px) { .ms-hero { padding-top: 48px; } .ms-hero-grid { grid-template-columns: minmax(0, 1fr); gap: 36px; } }
.ms-map { margin: 0; padding: 22px; list-style: none; border: 1px solid var(--mss-line); border-radius: 20px; background: rgba(10, 22, 40, 0.85); }
.ms-map-title { margin: 0 0 14px; color: var(--mss-muted); font-size: 13px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; }
.ms-map ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.ms-map li a {
  display: grid; grid-template-columns: 36px minmax(0, 1fr) auto; align-items: center; gap: 12px;
  padding: 12px 14px; border-radius: 12px; border: 1px solid var(--mss-line);
  background: rgba(19, 39, 65, 0.55); color: var(--mss-text); text-decoration: none;
}
.ms-map li a:hover { border-color: var(--mss-line-strong); background: rgba(25, 50, 84, 0.75); color: var(--mss-text); }
.ms-map li span.ms-map-label { font-weight: 750; }
.ms-map li small { display: block; color: var(--mss-muted); font-size: 14px; font-weight: 500; }
.ms-map li .ms-map-time { color: var(--mss-muted); font-size: 13px; white-space: nowrap; }

/* Principles strip */
.ms-principles { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border: 1px solid var(--mss-line); border-radius: var(--ms-radius); overflow: hidden; }
.ms-principles > div { padding: 22px; border-right: 1px solid var(--mss-line); }
.ms-principles > div:last-child { border-right: 0; }
.ms-principles h3 { font-size: 1.05rem; margin-bottom: 6px; }
.ms-principles p { color: var(--mss-muted); font-size: 15px; }
@media (max-width: 900px) { .ms-principles { grid-template-columns: repeat(2, minmax(0, 1fr)); } .ms-principles > div:nth-child(2) { border-right: 0; } .ms-principles > div:nth-child(-n+2) { border-bottom: 1px solid var(--mss-line); } }
@media (max-width: 560px) { .ms-principles { grid-template-columns: minmax(0, 1fr); } .ms-principles > div { border-right: 0; border-bottom: 1px solid var(--mss-line); } .ms-principles > div:last-child { border-bottom: 0; } }

/* Article list */
.ms-articles { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 32px; }
.ms-articles li { padding: 16px 0; border-bottom: 1px solid var(--mss-line); }
.ms-articles a { color: var(--mss-text); font-weight: 700; text-decoration: none; font-size: 1.05rem; line-height: 1.4; }
.ms-articles a:hover { color: var(--mss-blue); text-decoration: underline; }
.ms-articles small { display: block; margin-top: 4px; color: var(--mss-muted); font-size: 14px; }
@media (max-width: 760px) { .ms-articles { grid-template-columns: minmax(0, 1fr); } }

/* Page header (non-home) */
.ms-pagehead { padding: 48px 0 8px; }
.ms-crumbs { margin: 0 0 18px; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 4px 8px; color: var(--mss-muted); font-size: 14px; }
.ms-crumbs li + li::before { content: "/"; margin-right: 8px; color: var(--mss-line-strong); }
.ms-crumbs a { color: var(--mss-muted); }

/* Learning hub path blocks */
.ms-path { padding: 28px; border: 1px solid var(--mss-line); border-radius: 20px; background: rgba(10, 22, 40, 0.7); }
.ms-path + .ms-path { margin-top: 20px; }
.ms-path-head { display: flex; flex-wrap: wrap; gap: 8px 16px; align-items: baseline; justify-content: space-between; margin-bottom: 16px; }
.ms-path-head p { color: var(--mss-muted); }
.ms-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; counter-reset: step; }
.ms-steps > li { counter-increment: step; }
.ms-step-link {
  display: grid; grid-template-columns: 40px minmax(0, 1fr) auto; gap: 14px; align-items: start;
  padding: 16px; border: 1px solid var(--mss-line); border-radius: 14px; background: rgba(19, 39, 65, 0.5);
  color: var(--mss-text); text-decoration: none;
}
.ms-step-link::before { content: counter(step); display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: rgba(106, 174, 255, 0.14); color: var(--mss-blue); font-weight: 800; }
.ms-step-link:hover { border-color: var(--mss-line-strong); background: rgba(25, 50, 84, 0.7); color: var(--mss-text); }
.ms-step-link strong { display: block; font-size: 1.08rem; }
.ms-step-link span { display: block; color: var(--mss-muted); margin-top: 4px; font-size: 15px; }
.ms-step-link em { font-style: normal; color: var(--mss-muted); font-size: 14px; white-space: nowrap; }
@media (max-width: 560px) { .ms-step-link { grid-template-columns: 40px minmax(0, 1fr); } .ms-step-link em { grid-column: 2; } }

/* Lesson layout */
.ms-lesson-head { padding: 40px 0 8px; }
.ms-lesson-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 18px; color: var(--mss-muted); font-size: 15px; }
.ms-lesson-meta span::before { content: "•"; margin-right: 8px; color: var(--mss-line-strong); }
.ms-lesson-meta span:first-child::before { content: none; }
.ms-lesson { display: grid; grid-template-columns: minmax(0, var(--ms-read)) 260px; gap: 56px; align-items: start; padding-top: 28px; }
@media (max-width: 1100px) { .ms-lesson { grid-template-columns: minmax(0, 1fr); gap: 0; } .ms-toc { display: none; } }
.ms-toc { position: sticky; top: 96px; padding: 18px; border: 1px solid var(--mss-line); border-radius: 14px; font-size: 15px; }
.ms-toc h2 { font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--mss-muted); margin-bottom: 10px; }
.ms-toc ol { margin: 0; padding-left: 18px; color: var(--mss-muted); }
.ms-toc li + li { margin-top: 6px; }
.ms-toc a { color: var(--mss-muted); text-decoration: none; }
.ms-toc a:hover { color: var(--mss-text); text-decoration: underline; }
.ms-prose { font-size: 1.08rem; line-height: 1.72; }
.ms-prose > * + * { margin-top: 1.1em; }
.ms-prose h2 { margin-top: 2.2em; padding-top: 4px; font-size: clamp(1.4rem, 1.2rem + 0.8vw, 1.75rem); }
.ms-prose h3 { margin-top: 1.6em; }
.ms-prose ul, .ms-prose ol { padding-left: 1.3em; }
.ms-prose li + li { margin-top: 0.45em; }
.ms-prose li::marker { color: var(--mss-muted); }
.ms-objective { padding: 20px 22px; border-radius: 14px; border: 1px solid rgba(106, 174, 255, 0.35); background: rgba(106, 174, 255, 0.08); }
.ms-objective h2 { margin: 0 0 6px !important; padding: 0; font-size: 1rem !important; letter-spacing: 0.08em; text-transform: uppercase; color: var(--mss-blue); }

/* Fact / illustration / opinion / limitation labels */
.ms-label { display: inline-block; margin-right: 6px; padding: 1px 8px; border-radius: 6px; font-size: 12px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; vertical-align: 2px; border: 1px solid currentColor; }
.ms-label--fact { color: var(--ms-fact); }
.ms-label--illus { color: var(--ms-illus); }
.ms-label--opinion { color: var(--ms-opinion); }
.ms-label--limit { color: var(--ms-limit); }
.ms-callout { padding: 18px 20px; border-radius: 12px; border: 1px solid var(--mss-line); border-left-width: 4px; background: rgba(14, 28, 48, 0.8); }
.ms-callout > * + * { margin-top: 0.7em; }
.ms-callout--fact { border-left-color: var(--ms-fact); }
.ms-callout--illus { border-left-color: var(--ms-illus); }
.ms-callout--limit { border-left-color: var(--ms-limit); }
.ms-callout--note { border-left-color: var(--mss-muted); }
.ms-callout h3, .ms-v3 .ms-callout-title { font-size: 1.05rem; }

/* Tables */
.ms-table-wrap { overflow-x: auto; border: 1px solid var(--mss-line); border-radius: 12px; }
.ms-table-wrap:focus-visible { outline-offset: 2px; }
.ms-table { width: 100%; border-collapse: collapse; font-size: 15.5px; line-height: 1.45; font-variant-numeric: tabular-nums; }
.ms-table caption { caption-side: top; text-align: left; padding: 12px 14px 0; color: var(--mss-muted); font-size: 14px; }
.ms-table th, .ms-table td { padding: 11px 14px; text-align: left; border-bottom: 1px solid var(--mss-line); vertical-align: top; }
.ms-table thead th { color: var(--mss-text); font-weight: 750; background: rgba(19, 39, 65, 0.7); white-space: nowrap; }
.ms-table tbody tr:last-child > * { border-bottom: 0; }
.ms-table td.num, .ms-table th.num { text-align: right; white-space: nowrap; }
.ms-table .neg { color: var(--ms-limit); }
.ms-table .pos { color: var(--ms-good); }
.ms-table tr.is-total th, .ms-table tr.is-total td { font-weight: 800; color: #fff; }
.ms-table input { width: 100%; min-width: 7rem; min-height: 40px; padding: 6px 8px; border-radius: 8px; border: 1px solid var(--mss-line-strong); background: #07101f; color: var(--mss-text); font: inherit; }

/* Checklist */
.ms-checklist { list-style: none; padding: 0 !important; display: grid; gap: 8px; }
.ms-checklist li { margin: 0 !important; }
.ms-checklist label { display: grid; grid-template-columns: 28px minmax(0, 1fr); gap: 10px; align-items: start; padding: 12px 14px; border: 1px solid var(--mss-line); border-radius: 10px; cursor: pointer; }
.ms-checklist input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--mss-blue); }
.ms-checklist input:checked + span { color: var(--mss-muted); text-decoration: line-through; text-decoration-color: rgba(180, 194, 212, 0.6); }

/* Practice prompt */
.ms-prompt { border: 1px solid var(--mss-line); border-radius: 12px; background: #050c18; overflow: hidden; }
.ms-prompt-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px; padding: 10px 14px; border-bottom: 1px solid var(--mss-line); color: var(--mss-muted); font-size: 14px; }
.ms-prompt pre { margin: 0; padding: 16px; white-space: pre-wrap; word-wrap: break-word; font: 15px/1.6 ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; color: #e7eef8; }
.ms-copy { min-height: 40px; padding: 0 14px; font-size: 15px; }
.ms-copy-status { color: var(--ms-good); font-size: 14px; }

/* Sources */
.ms-sources { padding-left: 1.2em; font-size: 15.5px; color: var(--mss-muted); }
.ms-sources li + li { margin-top: 0.6em; }
.ms-sources a { overflow-wrap: anywhere; }

/* Next lesson */
.ms-next { display: grid; gap: 14px; grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 40px; }
@media (max-width: 640px) { .ms-next { grid-template-columns: minmax(0, 1fr); } }
.ms-next .ms-card { padding: 20px; }
.ms-next small { color: var(--mss-muted); font-size: 13px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; }

/* Simple bar figure (cash calendar, fee comparison) */
.ms-bars { display: grid; gap: 10px; margin: 0; padding: 18px; border: 1px solid var(--mss-line); border-radius: 12px; background: rgba(14, 28, 48, 0.7); }
.ms-bars figcaption { color: var(--mss-muted); font-size: 14px; }
.ms-bar { display: grid; grid-template-columns: 9.5rem minmax(0, 1fr) 6.5rem; gap: 12px; align-items: center; font-size: 15px; font-variant-numeric: tabular-nums; }
.ms-bar-track { position: relative; height: 14px; border-radius: 7px; background: rgba(255, 255, 255, 0.06); }
.ms-bar-fill { position: absolute; top: 0; bottom: 0; left: 0; border-radius: 7px; background: var(--mss-blue); }
.ms-bar-fill.is-neg { background: var(--ms-limit); }
.ms-bar-val { text-align: right; }
@media (max-width: 520px) { .ms-bar { grid-template-columns: minmax(0, 1fr) 6rem; } .ms-bar-track { grid-column: 1 / -1; grid-row: 2; } }

/* Forms */
.ms-form { display: grid; gap: 10px; max-width: 34rem; }
.ms-form label { font-weight: 700; }
.ms-form-row { display: flex; flex-wrap: wrap; gap: 10px; }
.ms-form input[type="email"] { flex: 1 1 16rem; min-height: 50px; padding: 0 14px; border-radius: 10px; border: 1px solid var(--mss-line-strong); background: #050c18; color: var(--mss-text); font: inherit; }
.ms-form input[type="email"][aria-invalid="true"] { border-color: var(--ms-limit); }
.ms-form input[type="email"]::placeholder { color: #a3b1c4; opacity: 1; }
.ms-status { min-height: 1.6em; font-size: 15px; }
.ms-status[data-tone="error"] { color: var(--ms-limit); }
.ms-status[data-tone="success"] { color: var(--ms-good); }
.ms-hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

/* Definition list for "what each group tells you" */
.ms-defs { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 16px; margin: 0; }
.ms-defs > div { padding: 18px; border: 1px solid var(--mss-line); border-radius: 12px; background: rgba(14, 28, 48, 0.7); }
.ms-defs dt { font-weight: 800; color: var(--mss-text); }
.ms-defs dd { margin: 6px 0 0; color: var(--mss-muted); }
@media (max-width: 760px) { .ms-defs { grid-template-columns: minmax(0, 1fr); } }

/* Person block (about) */
.ms-person { display: grid; grid-template-columns: 180px minmax(0, 1fr); gap: 28px; align-items: start; }
.ms-person img { width: 180px; height: 180px; object-fit: cover; border-radius: 18px; border: 1px solid var(--mss-line); }
@media (max-width: 600px) { .ms-person { grid-template-columns: minmax(0, 1fr); } .ms-person img { width: 140px; height: 140px; } }

@media print {
  .mss-header, .mss-footer, .ms-toc, .ms-actions, .ms-next, .ms-copy, #ms-privacy-dialog { display: none !important; }
  body.ms-v3 { background: #fff; color: #000; }
  .ms-v3 main { padding-top: 0; }
  .ms-v3 h1, .ms-v3 h2, .ms-v3 h3, .ms-v3 strong { color: #000; }
}