/* Financial Glossary (.gz-*): dictionary feel. Paper cream, ink teal, gold highlighter, serif term names.
   Used by financial-glossary.php (hub) and glossary-term.php (term page). */
.gz{--paper:#FBF8F1;--ink:#0F2233;--teal:#0B6E63;--deep:#0B4A4A;--gold:#D9A85B;--mark:#F6DE8D;--line:#E6DFCF;--muted:#54606A;--serif:'Cambria','Georgia','Times New Roman',serif;color:var(--ink)}
.gz h1,.gz h2,.gz h3{font-family:'Manrope',Arial,sans-serif;margin:0;color:var(--ink)}
.gz :where(p){margin:0;color:var(--muted);line-height:1.65}
.gz [id]{scroll-margin-top:96px}
.gz [hidden]{display:none!important}
.gz a{text-decoration:none}
.gz button{font-family:inherit}

/* Shared bits */
.gz-tag{display:inline-flex;align-items:center;gap:8px;padding:6px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--teal);font-size:12px;font-weight:800;letter-spacing:.13em;margin-bottom:14px}
.gz-cat{display:inline-block;padding:3px 10px;border-radius:999px;background:#E3F1EE;color:var(--deep);font-size:11.5px;font-weight:800;letter-spacing:.04em;white-space:nowrap}
.gz-cat-lg{font-size:12.5px;padding:5px 14px;margin-bottom:14px}
.gz-btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:12px;background:var(--deep);color:#fff;font-weight:800;font-size:14.5px;transition:transform .15s ease,background .15s ease}
.gz-btn:hover{transform:translateY(-2px);background:#08393A}
.gz-btn-gold{background:var(--gold);color:#241804}
.gz-btn-gold:hover{background:#E6BC78}
.gz a:focus-visible,.gz button:focus-visible,.gz summary:focus-visible{outline:3px solid rgba(11,110,99,.45);outline-offset:3px;border-radius:8px}

/* ---------- Hub: hero ---------- */
.gz-hero{padding:48px 0 30px;text-align:center;background:radial-gradient(#E9E1CC 1.1px,transparent 1.5px) 0 0/20px 20px,linear-gradient(180deg,var(--paper),#fff)}
.gz-hero h1{font-family:var(--serif);font-size:clamp(38px,5vw,60px);line-height:1.05;letter-spacing:-.02em;font-weight:700}
.gz-hero h1 span{background:linear-gradient(transparent 62%,var(--mark) 62%,var(--mark) 92%,transparent 92%);padding:0 4px}
.gz-hero p{max-width:560px;margin:14px auto 0;font-size:17px}
.gz-search{position:relative;max-width:660px;margin:26px auto 0}
.gz-search>svg{position:absolute;left:20px;top:50%;transform:translateY(-50%);color:var(--teal);pointer-events:none}
.gz .gz-search input{width:100%;height:60px;padding:0 60px 0 54px;border:2px solid var(--line);border-radius:999px;background:#fff;font:inherit;font-size:17px;font-weight:600;color:var(--ink);box-shadow:0 14px 32px rgba(15,34,51,.08);outline:0;-webkit-appearance:none;appearance:none;transition:border-color .15s ease,box-shadow .15s ease}
.gz .gz-search input::placeholder{color:#9AA5AB;font-weight:500}
.gz .gz-search input:focus{border-color:var(--teal);box-shadow:0 0 0 5px rgba(11,110,99,.14),0 14px 32px rgba(15,34,51,.1)}
.gz-search kbd{position:absolute;right:20px;top:50%;transform:translateY(-50%);min-width:28px;height:28px;padding:0 8px;display:grid;place-items:center;border:1px solid var(--line);border-bottom-width:3px;border-radius:8px;background:var(--paper);font:700 13px/1 'Manrope',Arial,sans-serif;color:var(--muted)}
.gz-chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:18px}
.gz-chips button{all:unset;box-sizing:border-box;display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:14px;font-weight:700;color:var(--deep);cursor:pointer;transition:background .15s ease,border-color .15s ease,color .15s ease}
.gz-chips button b{font-size:12px;padding:1px 7px;border-radius:99px;background:var(--paper);color:var(--muted)}
.gz-chips button:hover{border-color:var(--teal)}
.gz-chips button.on{background:var(--deep);border-color:var(--deep);color:#fff}
.gz-chips button.on b{background:rgba(255,255,255,.18);color:#fff}
.gz-chips button:focus-visible{outline:3px solid rgba(11,110,99,.45);outline-offset:2px}

/* A-Z bar */
.gz-az{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.gz-az .container{display:flex;flex-wrap:wrap;justify-content:center;gap:2px;padding:10px 0}
.gz-az a,.gz-az span{width:34px;height:34px;display:grid;place-items:center;border-radius:9px;font-family:var(--serif);font-size:17px;font-weight:700}
.gz-az a{color:var(--deep);transition:background .15s ease,color .15s ease}
.gz-az a:hover,.gz-az a.now{background:var(--deep);color:#fff}
.gz-az a.off{opacity:.3;pointer-events:none}
.gz-az span{color:#C9C2B0;font-weight:500}

/* Start with the basics */
.gz-basics{padding:36px 0 8px}
.gz-basics-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:16px}
.gz-basics-head h2{font-size:22px;letter-spacing:-.02em;font-weight:800}
.gz-basics-head span{font-size:14px;color:var(--muted)}
.gz-basics-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.gz-basic{display:flex;flex-direction:column;gap:6px;padding:20px 20px 18px;border-radius:18px;color:var(--ink);transition:transform .2s ease,box-shadow .2s ease}
.gz-basic:hover{transform:translateY(-4px);box-shadow:0 16px 30px rgba(15,34,51,.1)}
.gz-basic.b1{background:#DDF1EC}.gz-basic.b2{background:#FBEBC8}.gz-basic.b3{background:#DCE9F5}.gz-basic.b4{background:#F7E1D6}
.gz-basic small{font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:rgba(15,34,51,.55)}
.gz-basic strong{font-family:var(--serif);font-size:32px;line-height:1.05;letter-spacing:-.01em}
.gz .gz-basic p{font-size:14px;line-height:1.5;color:#3E4C57;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.gz-basic em{margin-top:auto;padding-top:8px;display:inline-flex;align-items:center;gap:6px;font-style:normal;font-weight:800;font-size:13.5px;color:var(--deep)}

/* Dictionary list */
.gz-dict{padding:34px 0 30px}
.gz-status{display:flex;align-items:center;gap:14px;margin-bottom:8px;font-size:14px;font-weight:700;color:var(--muted)}
.gz-status button{all:unset;box-sizing:border-box;cursor:pointer;padding:5px 12px;border-radius:99px;border:1px solid var(--line);font-size:13px;font-weight:800;color:var(--teal)}
.gz-status button:hover{background:#E3F1EE}
.gz-letter{display:grid;grid-template-columns:84px 1fr;gap:10px;padding:22px 0;border-top:1px solid var(--line)}
.gz-letter>h2{position:sticky;top:96px;align-self:start;font-family:var(--serif);font-size:56px;line-height:1;font-weight:700;color:var(--deep)}
.gz-list{display:grid}
.gz-term{display:grid;grid-template-columns:minmax(200px,.6fr) 1.4fr auto;gap:22px;align-items:center;padding:16px 14px;border-radius:14px;color:var(--ink);transition:background .15s ease}
.gz-term+.gz-term{border-top:1px dashed #E3DCCB;border-radius:0 0 14px 14px}
.gz-term:hover{background:var(--paper)}
.gz-term-main{display:flex;flex-direction:column;align-items:flex-start;gap:6px}
.gz-term h3{font-family:var(--serif);font-size:24px;line-height:1.15;font-weight:700;letter-spacing:-.01em}
.gz-term h3 mark{background:var(--mark);color:inherit;border-radius:4px;padding:0 2px}
.gz-term p{font-size:15px;line-height:1.55}
.gz-go{width:38px;height:38px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;color:var(--muted);transition:background .18s ease,color .18s ease,border-color .18s ease,transform .18s ease}
.gz-term:hover .gz-go{background:var(--teal);border-color:var(--teal);color:#fff;transform:translateX(3px)}
.gz-empty{text-align:center;padding:50px 20px;border:2px dashed var(--line);border-radius:20px;background:var(--paper);display:grid;justify-items:center;gap:8px}
.gz-empty>span{width:56px;height:56px;border-radius:50%;background:#E3F1EE;color:var(--teal);display:grid;place-items:center}
.gz-empty h3{font-size:20px;font-weight:800}
.gz-empty .gz-btn{margin-top:8px}

/* Help band */
.gz-help{padding:8px 0 56px}
.gz-helpcard{display:flex;align-items:center;gap:20px;padding:24px 28px;border-radius:22px;color:#fff;background:radial-gradient(420px 200px at 100% 0,rgba(217,168,91,.3),transparent 65%),linear-gradient(135deg,var(--deep),#0D3F45)}
.gz-helpcard>span{width:52px;height:52px;border-radius:15px;background:rgba(255,255,255,.12);color:#EBC98E;display:grid;place-items:center;flex:none}
.gz-helpcard>div{flex:1}
.gz-helpcard h3{color:#fff;font-size:20px;letter-spacing:-.02em;font-weight:800}
.gz .gz-helpcard p{color:rgba(255,255,255,.75);font-size:14.5px;margin-top:3px}

/* ---------- Term page ---------- */
.gz-thero{padding:36px 0 34px;background:radial-gradient(#E9E1CC 1.1px,transparent 1.5px) 0 0/20px 20px,linear-gradient(180deg,var(--paper),#fff)}
.gz-crumb{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:13.5px;margin-bottom:18px;color:var(--muted)}
.gz-crumb a{color:var(--teal);font-weight:700}
.gz-crumb a:hover{text-decoration:underline}
.gz-crumb i{font-style:normal;color:#B9B29F}
.gz-crumb span{font-weight:700;color:var(--ink)}
.gz-thero h1{font-family:var(--serif);font-size:clamp(36px,4.8vw,58px);line-height:1.08;letter-spacing:-.02em;font-weight:700;max-width:900px}
.gz-thero h1 span{color:#8A94A0;font-weight:400}
.gz-thero p{max-width:720px;margin-top:14px;font-size:18px}

.gz-body{padding:8px 0 60px}
.gz-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:40px;align-items:start}
.gz-article{display:grid;gap:22px}
.gz-label{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--teal);margin-bottom:10px}
.gz-def{padding:26px 30px;border-radius:6px 20px 20px 6px;background:#fff;border:1px solid var(--line);border-left:6px solid var(--gold);box-shadow:0 12px 28px rgba(15,34,51,.06)}
.gz .gz-def p{font-family:var(--serif);font-size:21px;line-height:1.6;color:var(--ink)}
.gz-block{display:flex;gap:18px;padding:24px 26px;border-radius:20px;background:#fff;border:1px solid var(--line)}
.gz-ico{width:46px;height:46px;border-radius:14px;background:#FBF0D3;color:#8A6410;display:grid;place-items:center;flex:none}
.gz-block h2,.gz-faqs h2,.gz-related h2{font-size:21px;letter-spacing:-.02em;font-weight:800;margin-bottom:6px}
.gz-block p{font-size:16px}
.gz-example{padding:24px 28px;border-radius:20px;background:repeating-linear-gradient(0deg,transparent 0 31px,rgba(200,170,90,.2) 31px 32px),#FFF9E4;border:2px dashed #E8CF85}
.gz-example .gz-label{color:#8A6410}
.gz .gz-example p{font-size:17px;line-height:32px;color:#3E3510}

.gz-faqs{padding:26px 28px;border-radius:20px;background:#fff;border:1px solid var(--line)}
.gz-faqs h2{margin-bottom:14px}
.gz .gz-faqs details{border:1px solid var(--line)!important;border-radius:14px!important;background:#fff!important;margin-bottom:10px;padding:0;transition:border-color .2s ease,box-shadow .2s ease}
.gz .gz-faqs details:last-child{margin-bottom:0}
.gz .gz-faqs details[open]{border-color:#7BC2B7!important;box-shadow:0 8px 20px rgba(11,110,99,.08)}
.gz .gz-faqs summary{display:flex;grid-template-columns:none;flex-direction:row;align-items:center;justify-content:space-between;gap:16px;margin:0;padding:15px 18px;cursor:pointer;list-style:none;color:var(--ink)!important}
.gz .gz-faqs summary::-webkit-details-marker{display:none}
.gz-faqs summary b{font-size:16px;font-weight:700;line-height:1.4}
.gz-faqs summary span{flex:none;width:28px;height:28px;border-radius:50%;background:#E3F1EE;position:relative}
.gz-faqs summary span::before,.gz-faqs summary span::after{content:"";position:absolute;left:50%;top:50%;width:11px;height:2px;background:var(--teal);transform:translate(-50%,-50%);transition:transform .2s ease}
.gz-faqs summary span::after{transform:translate(-50%,-50%) rotate(90deg)}
.gz-faqs details[open] summary span{background:var(--teal)}
.gz-faqs details[open] summary span::before,.gz-faqs details[open] summary span::after{background:#fff}
.gz-faqs details[open] summary span::after{transform:translate(-50%,-50%) rotate(0)}
.gz-faqs details p{padding:0 18px 16px;font-size:15.5px}

.gz-related{padding:4px 0 0}
.gz-relgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:12px}
.gz-relgrid a{display:grid;grid-template-columns:1fr auto;gap:2px 10px;align-items:center;padding:14px 18px;border-radius:14px;background:#fff;border:1px solid var(--line);color:var(--ink);transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}
.gz-relgrid a strong{font-family:var(--serif);font-size:20px;font-weight:700}
.gz-relgrid a span{grid-column:1;font-size:12px;font-weight:700;color:var(--muted)}
.gz-relgrid a svg{grid-row:1/3;grid-column:2;color:var(--teal);transition:transform .15s ease}
.gz-relgrid a:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:0 10px 22px rgba(15,34,51,.07)}
.gz-relgrid a:hover svg{transform:translateX(4px)}

.gz-pn{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:6px}
.gz-pn a{display:grid;gap:3px;padding:16px 20px;border-radius:16px;border:1px solid var(--line);background:var(--paper);color:var(--ink);transition:border-color .15s ease,background .15s ease}
.gz-pn a:hover{border-color:var(--teal);background:#fff}
.gz-pn small{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.gz-pn strong{font-family:var(--serif);font-size:22px}
.gz-pn .next{text-align:right;grid-column:2}

/* Sidebar */
.gz-side{position:sticky;top:96px;display:grid;gap:16px}
.gz-toc,.gz-tool,.gz-cta{padding:20px 22px;border-radius:18px;border:1px solid var(--line);background:#fff}
.gz-toc h3,.gz-tool h3,.gz-cta h3{font-size:16px;font-weight:800;letter-spacing:-.01em;margin-bottom:8px}
.gz-toc{display:grid;gap:2px}
.gz-toc h3{margin-bottom:6px}
.gz-toc a{display:block;padding:8px 12px;border-radius:9px;font-size:14.5px;font-weight:700;color:var(--muted);border-left:3px solid transparent;transition:background .15s ease,color .15s ease,border-color .15s ease}
.gz-toc a:hover{background:var(--paper);color:var(--deep);border-left-color:var(--gold)}
.gz-tool{background:linear-gradient(160deg,#FFF6DE,#FBE7B4);border-color:#EBCF86}
.gz-tool>span{width:42px;height:42px;border-radius:12px;background:#fff;color:#8A6410;display:grid;place-items:center;margin-bottom:10px}
.gz .gz-tool p,.gz .gz-cta p{font-size:14px;line-height:1.55;margin-bottom:14px}
.gz .gz-tool p{color:#5A4708}
.gz-cta{background:linear-gradient(160deg,var(--deep),#0D3F45);border:0}
.gz-cta h3{color:#fff}
.gz .gz-cta p{color:rgba(255,255,255,.75)}
.gz-cta .gz-btn{background:#fff;color:var(--deep)}
.gz-cta .gz-btn:hover{background:var(--mark)}
.gz-back{display:inline-flex;align-items:center;gap:8px;justify-content:center;padding:10px;font-size:14px;font-weight:800;color:var(--teal)}
.gz-back svg{transform:rotate(180deg)}
.gz-back:hover{text-decoration:underline}

/* Responsive */
@media (max-width:1024px){
  .gz-basics-grid{grid-template-columns:repeat(2,1fr)}
  .gz-layout{grid-template-columns:1fr}
  .gz-side{position:static;grid-template-columns:1fr 1fr}
  .gz-toc,.gz-back{grid-column:1/-1}
}
@media (max-width:820px){
  .gz-hero{padding:36px 0 24px}
  .gz-letter{grid-template-columns:1fr;gap:4px;padding:16px 0}
  .gz-letter>h2{position:static;font-size:40px}
  .gz-term{grid-template-columns:1fr auto;gap:8px 14px}
  .gz-term p{grid-column:1;grid-row:2}
  .gz-go{grid-column:2;grid-row:1/3}
  .gz-helpcard{flex-direction:column;align-items:flex-start}
}
@media (max-width:560px){
  .gz-basics-grid,.gz-relgrid,.gz-pn{grid-template-columns:1fr}
  .gz-side{grid-template-columns:1fr}
  .gz-pn .next{grid-column:1;text-align:left}
  .gz-search input{font-size:16px}
  .gz-az a,.gz-az span{width:30px;height:32px;font-size:15px}
  .gz-def{padding:20px}
  .gz .gz-def p{font-size:18px}
}
@media (prefers-reduced-motion:reduce){.gz *{transition:none!important}}

/* ---------- Hero background: deep teal with gold glow and dictionary letters (hub + term page) ---------- */
.gz-hero,.gz-thero{position:relative;overflow:hidden;color:#fff;background:radial-gradient(620px 320px at 12% 0,rgba(233,196,106,.24),transparent 62%),radial-gradient(720px 380px at 92% 10%,rgba(99,196,181,.28),transparent 62%),linear-gradient(135deg,#0B4A4A 0%,#0D3F45 55%,#123B4F 100%)}
.gz-hero::before,.gz-hero::after,.gz-thero::before,.gz-thero::after{position:absolute;font-family:var(--serif);font-weight:700;line-height:1;color:#fff;opacity:.06;pointer-events:none;user-select:none}
.gz-hero::before,.gz-thero::before{content:"Aa";left:-10px;bottom:-46px;font-size:280px}
.gz-hero::after,.gz-thero::after{content:"Zz";right:-6px;top:-44px;font-size:280px}
.gz-hero>.container,.gz-thero>.container{position:relative;z-index:1}
.gz-hero h1,.gz-thero h1{color:#fff}
.gz-hero h1 span{background:linear-gradient(transparent 66%,rgba(233,196,106,.6) 66%,rgba(233,196,106,.6) 90%,transparent 90%)}
.gz .gz-hero p,.gz .gz-thero p{color:rgba(255,255,255,.8)}
.gz-hero .gz-tag{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.22);color:#EBC98E}
.gz .gz-hero .gz-search input{border-color:transparent;box-shadow:0 18px 40px rgba(0,0,0,.28)}
.gz .gz-hero .gz-search input:focus{border-color:#EBC98E;box-shadow:0 0 0 5px rgba(235,201,142,.3),0 18px 40px rgba(0,0,0,.3)}
.gz-hero .gz-chips button{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:#fff}
.gz-hero .gz-chips button b{background:rgba(255,255,255,.14);color:#fff}
.gz-hero .gz-chips button:hover{border-color:#EBC98E}
.gz-hero .gz-chips button.on{background:#EBC98E;border-color:#EBC98E;color:#1E1608}
.gz-hero .gz-chips button.on b{background:rgba(0,0,0,.12);color:#1E1608}
.gz-hero .gz-chips button:focus-visible{outline-color:rgba(235,201,142,.7)}
.gz-thero .gz-crumb{color:rgba(255,255,255,.7)}
.gz-thero .gz-crumb a{color:#EBC98E}
.gz-thero .gz-crumb i{color:rgba(255,255,255,.4)}
.gz-thero .gz-crumb span{color:#fff}
.gz-thero h1 span{color:rgba(255,255,255,.62)}
.gz-thero .gz-cat-lg{background:rgba(255,255,255,.12);color:#EBC98E}
.gz-thero{padding-bottom:40px}
@media (max-width:560px){.gz-hero::before,.gz-thero::before,.gz-hero::after,.gz-thero::after{font-size:170px}}