/* ===== BUDGETING-BASICS PAGE CSS ===== */

*{box-sizing:border-box}

html{scroll-behavior:smooth}

body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#f6f8fc;color:#172033;line-height:1.7}

a{text-decoration:none;color:inherit}

.header{background:#fff;border-bottom:1px solid #e7ebf2;position:sticky;top:0;z-index:10}

.nav{max-width:1100px;margin:auto;padding:16px 24px;display:flex;justify-content:space-between;align-items:center}

.brand{font-weight:800;color:#102a43}

.back{font-size:14px;color:#1769aa;font-weight:700}

.hero{background:linear-gradient(135deg,#102a43,#1769aa);color:#fff;padding:70px 24px}

.hero-inner{max-width:900px;margin:auto}

.badge{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);padding:7px 12px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.5px}

h1{font-size:42px;line-height:1.15;margin:20px 0}

.hero p{font-size:18px;max-width:760px;color:#e9f3ff}

.notice{max-width:900px;margin:30px auto;padding:18px 20px;background:#fff8e8;border-left:4px solid #e0a72f;border-radius:8px;font-size:14px}

.container{max-width:900px;margin:auto;padding:10px 24px 60px}

.section{background:#fff;border:1px solid #e7ebf2;border-radius:14px;padding:28px;margin:22px 0}

h2{font-size:28px;margin-top:0;color:#102a43}

h3{font-size:20px;color:#1769aa}

ul{padding-left:22px}

li{margin:8px 0}

.example{background:#f6f8fc;border:1px solid #e7ebf2;padding:18px;border-radius:10px}

.cta{background:#102a43;color:#fff;text-align:center;padding:38px 24px;border-radius:14px;margin-top:25px}

.cta a{display:inline-block;background:#fff;color:#102a43;padding:12px 20px;border-radius:8px;font-weight:800;margin-top:12px}

footer{text-align:center;padding:30px 20px;color:#667085;font-size:14px}

@media(max-width:600px){

h1{font-size:32px}

.hero{padding:50px 20px}

.nav{padding:14px 18px}

.container{padding:10px 16px 45px}

.section{padding:22px}

}

/* ===== TOC CSS ===== */

.table-of-contents{

  margin:24px 0;

  border:1px solid #e1e6ee;

  border-radius:12px;

  background:#f8fafc;

  overflow:hidden;

}



.toc-toggle{

  width:100%;

  border:0;

  background:#071b35;

  color:#fff;

  padding:16px 18px;

  font-size:16px;

  font-weight:700;

  display:flex;

  justify-content:space-between;

  align-items:center;

  cursor:pointer;

}



.toc-arrow{

  font-size:18px;

  line-height:1;

}



.toc-content{

  display:none;

  padding:14px 22px;

}



.table-of-contents.open .toc-content{

  display:block;

}



.toc-content ul{

  margin:0;

  padding-left:18px;

}



.toc-content li{

  margin:10px 0;

}



.toc-content a{

  color:#0d3b66;

  text-decoration:none;

  font-weight:600;

}



.toc-content a:hover{

  text-decoration:underline;

}



@media(max-width:600px){

  .toc-toggle{

    padding:15px;

  }



  .toc-content{

    padding:12px 18px;

  }

}

/* ===== AUTHOR BOX CSS ===== */

.author-box{

    margin:30px 0;

    padding:20px;

    border:1px solid #ddd;

    border-radius:10px;

    background:#f8f9fa;

}

.author-box strong{

    display:block;

    font-size:18px;

    margin-bottom:5px;

}

.author-box span{

    display:block;

    font-size:14px;

    margin-bottom:12px;

    color:#555;

}

.author-box p{

    margin:0;

    line-height:1.6;

}