:root {
  --forest:#1b3a2d;--forest-mid:#254d3c;--forest-light:#2e6049;
  --cream:#faf8f4;--cream-dark:#f0ebe1;
  --gold:#c9973a;--gold-light:#f5e9cf;--gold-pale:#fdf6e8;
  --text:#1c1c1c;--text-mid:#4a4a4a;--text-muted:#7a7a7a;
  --white:#fff;--border:#ddd8ce;--border-light:#ece8e0;
  --danger:#b03030;--danger-bg:#fdf0f0;
  --success:#1a6b35;--success-bg:#f0faf4;
  --shadow-sm:0 2px 8px rgba(27,58,45,0.08);
  --shadow-md:0 6px 24px rgba(27,58,45,0.12);
  --radius:4px;--radius-lg:8px;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Lato',sans-serif;background:var(--cream);color:var(--text);line-height:1.75;font-size:16px;}
a{text-decoration:none;color:inherit;}

/* NAV */
.site-nav{background:var(--forest);padding:0 40px;display:flex;align-items:center;justify-content:space-between;height:64px;position:sticky;top:0;z-index:200;box-shadow:0 2px 12px rgba(0,0,0,0.2);}
.nav-brand{font-family:'Playfair Display',serif;font-size:1.2rem;color:#fff;}
.nav-brand span{color:var(--gold);}
.nav-links{display:flex;gap:28px;}
.nav-links a{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,0.75);transition:color .2s;padding:4px 0;border-bottom:2px solid transparent;}
.nav-links a:hover,.nav-links a.active{color:var(--gold);border-bottom-color:var(--gold);}
@media(max-width:700px){.site-nav{padding:0 20px;height:auto;flex-wrap:wrap;gap:8px;padding-top:12px;padding-bottom:12px;}.nav-links{gap:12px;}.nav-links a{font-size:.72rem;}}

/* HERO */
.hero{background:var(--forest);padding:72px 40px 56px;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 85% 40%,rgba(201,151,58,0.1) 0%,transparent 70%);pointer-events:none;}
.hero-inner{max-width:1000px;margin:0 auto;}
.hero-eyebrow{font-size:.65rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2.2rem,4vw,3.2rem);font-weight:700;color:#fff;line-height:1.15;letter-spacing:-.01em;margin-bottom:16px;}
.hero h1 em{font-style:italic;color:var(--gold);}
.hero-sub{font-size:1.05rem;font-weight:300;color:rgba(255,255,255,0.7);max-width:640px;line-height:1.8;margin-bottom:32px;}
.hero-tags{display:flex;flex-wrap:wrap;gap:8px;}
.hero-tag{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);border-radius:20px;padding:4px 12px;font-size:.75rem;color:rgba(255,255,255,0.65);}

/* DISCLAIMER */
.disc-band{background:var(--gold-pale);border-top:1px solid var(--gold-light);border-bottom:1px solid var(--gold-light);padding:14px 40px;font-size:.82rem;color:var(--text-mid);line-height:1.6;}
.disc-band strong{color:var(--forest);}

/* TOC */
.toc-wrap{max-width:1000px;margin:0 auto;padding:36px 40px 0;}
.toc{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px 32px;box-shadow:var(--shadow-sm);}
.toc-title{font-family:'Playfair Display',serif;font-size:1rem;color:var(--forest);margin-bottom:16px;padding-bottom:12px;border-bottom:1px solid var(--border);}
.toc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:4px 24px;}
.toc-item{display:flex;align-items:center;gap:8px;padding:5px 0;font-size:.85rem;}
.toc-item a{color:var(--forest-light);transition:color .2s;}
.toc-item a:hover{color:var(--gold);}
.toc-item::before{content:'↓';color:var(--gold);font-size:.75rem;flex-shrink:0;}

/* CONTENT */
.content-wrap{max-width:1000px;margin:0 auto;padding:40px 40px 80px;}
@media(max-width:700px){.content-wrap{padding:28px 20px 60px;}.toc-wrap{padding:24px 20px 0;}.hero{padding:40px 20px 40px;}.disc-band{padding:14px 20px;}}

/* SECTION HEADER */
.section-anchor{display:block;height:80px;margin-top:-80px;visibility:hidden;}
.section-head{margin:56px 0 28px;padding-bottom:16px;border-bottom:3px solid var(--gold);}
.section-head .sh-eyebrow{font-size:.65rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:8px;}
.section-head h2{font-family:'Playfair Display',serif;font-size:1.9rem;font-weight:700;color:var(--forest);line-height:1.2;letter-spacing:-.01em;}

/* ETF TYPE CARD */
.etf-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;margin-bottom:24px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden;}
.etf-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:100%;background:var(--gold);}
.etf-card.danger-card::before{background:var(--danger);}
.etf-card.success-card::before{background:var(--success);}
.etf-card.neutral-card::before{background:var(--text-muted);}
.etf-card-header{display:flex;align-items:flex-start;gap:16px;margin-bottom:20px;}
.etf-icon{font-size:2rem;flex-shrink:0;line-height:1;}
.etf-title-group{flex:1;}
.etf-name{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--forest);margin-bottom:6px;}
.etf-tagline{font-size:.85rem;color:var(--text-muted);}
.etf-badges{display:flex;flex-wrap:wrap;gap:6px;margin-left:auto;}
.badge{font-size:.65rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:20px;}
.badge-green{background:var(--success-bg);color:var(--success);border:1px solid rgba(26,107,53,0.2);}
.badge-red{background:var(--danger-bg);color:var(--danger);border:1px solid rgba(176,48,48,0.2);}
.badge-gold{background:var(--gold-light);color:#7a4a00;border:1px solid rgba(201,151,58,0.3);}
.badge-grey{background:var(--cream-dark);color:var(--text-muted);border:1px solid var(--border);}

/* BODY TEXT */
h3.sub-head{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:600;color:var(--forest);margin:20px 0 10px;}
p.body{color:var(--text-mid);font-size:.95rem;line-height:1.8;margin-bottom:14px;}
p.body:last-child{margin-bottom:0;}

/* METRICS GRID */
.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin:18px 0;}
.metric{background:var(--cream-dark);border-radius:var(--radius);padding:14px 16px;text-align:center;}
.metric-val{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--forest);display:block;line-height:1;}
.metric-lbl{font-size:.72rem;color:var(--text-muted);margin-top:4px;letter-spacing:.04em;}

/* EXAMPLE ETFS TABLE */
.etf-examples{background:var(--cream-dark);border-radius:var(--radius-lg);padding:20px;margin:18px 0;}
.etf-examples .ee-title{font-size:.65rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:12px;}
.etf-example-row{display:flex;align-items:baseline;gap:12px;padding:7px 0;border-bottom:1px solid var(--border-light);font-size:.85rem;}
.etf-example-row:last-child{border-bottom:none;}
.eer-ticker{font-family:'Playfair Display',serif;font-weight:700;color:var(--forest);min-width:60px;}
.eer-name{color:var(--text-mid);flex:1;}
.eer-ocf{color:var(--text-muted);font-size:.78rem;white-space:nowrap;}

/* PROS / CONS */
.pro-con-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0;}
@media(max-width:520px){.pro-con-grid{grid-template-columns:1fr;}}
.pro-box,.con-box{border-radius:var(--radius-lg);padding:18px 20px;}
.pro-box{background:var(--success-bg);border:1px solid rgba(26,107,53,0.2);}
.con-box{background:var(--danger-bg);border:1px solid rgba(176,48,48,0.15);}
.pc-title{font-weight:700;font-size:.82rem;margin-bottom:10px;}
.pro-box .pc-title{color:var(--success);}
.con-box .pc-title{color:var(--danger);}
.pc-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:6px;}
.pc-list li{font-size:.85rem;padding-left:18px;position:relative;color:var(--text-mid);line-height:1.6;}
.pro-box .pc-list li::before{content:'✓';position:absolute;left:0;color:var(--success);font-weight:700;}
.con-box .pc-list li::before{content:'✗';position:absolute;left:0;color:var(--danger);font-weight:700;}

/* WARN / TIP */
.warn-box{background:#fff8ee;border-left:4px solid var(--gold);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:16px 20px;margin:18px 0;}
.warn-box .wb-title{font-weight:700;color:#7a4a00;font-size:.875rem;margin-bottom:6px;}
.warn-box p{color:#6a3a00;font-size:.875rem;margin:0;line-height:1.7;}
.tip-box{background:var(--success-bg);border-left:4px solid var(--success);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:16px 20px;margin:18px 0;}
.tip-box .tb-title{font-weight:700;color:var(--success);font-size:.875rem;margin-bottom:6px;}
.tip-box p{color:#1a4a28;font-size:.875rem;margin:0;line-height:1.7;}

/* REFS */
.refs-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px 28px;margin-top:48px;box-shadow:var(--shadow-sm);}
.refs-title{font-size:.65rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border);}
.refs-box a{display:flex;align-items:flex-start;gap:10px;color:var(--forest-light);font-size:.875rem;margin-bottom:10px;line-height:1.5;transition:color .2s;}
.refs-box a:last-child{margin-bottom:0;}
.refs-box a:hover{color:var(--gold);}
.refs-box a::before{content:'↗';flex-shrink:0;}

/* SUMMARY COMPARISON TABLE */
.summary-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.82rem;}
.summary-table th{background:var(--forest);color:#fff;padding:10px 14px;text-align:left;font-weight:700;font-size:.75rem;letter-spacing:.04em;}
.summary-table td{padding:10px 14px;border-bottom:1px solid var(--border-light);color:var(--text-mid);vertical-align:top;}
.summary-table tr:last-child td{border-bottom:none;}
.summary-table tr:hover td{background:var(--cream-dark);}
.summary-table .type-cell{font-weight:700;color:var(--forest);}

/* COVERED CALL VISUAL */
.payoff-diagram{background:var(--forest);border-radius:var(--radius-lg);padding:24px;margin:18px 0;}
.pd-title{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:16px;}
.pd-chart{position:relative;height:160px;border-left:2px solid rgba(255,255,255,0.2);border-bottom:2px solid rgba(255,255,255,0.2);margin-bottom:8px;}
.pd-line{position:absolute;bottom:0;left:0;right:0;height:2px;background:var(--gold);}
.pd-label-x{font-size:.72rem;color:rgba(255,255,255,0.5);text-align:center;margin-top:6px;}

/* INTERACTIVE QUIZ */
.quiz-wrap{background:var(--cream-dark);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;margin-top:24px;}
.quiz-title{font-family:'Playfair Display',serif;font-size:1rem;color:var(--forest);margin-bottom:4px;}
.quiz-sub{font-size:.8rem;color:var(--text-muted);margin-bottom:16px;}
.q-progress{font-size:.72rem;color:var(--text-muted);margin-bottom:8px;letter-spacing:.06em;text-transform:uppercase;}
.q-text{font-size:.95rem;font-weight:700;color:var(--forest);margin-bottom:12px;line-height:1.5;}
.q-opts{display:flex;flex-direction:column;gap:8px;}
.q-opt{padding:11px 16px;border:2px solid var(--border);border-radius:var(--radius);cursor:pointer;font-size:.875rem;text-align:left;background:var(--white);font-family:'Lato',sans-serif;transition:all .2s;}
.q-opt:hover:not(:disabled){border-color:var(--forest);}
.q-opt.correct{border-color:var(--success);background:var(--success-bg);color:var(--success);}
.q-opt.wrong{border-color:var(--danger);background:var(--danger-bg);color:var(--danger);}
.q-fb{margin-top:10px;padding:12px 16px;border-radius:var(--radius);font-size:.875rem;line-height:1.7;}
.q-fb.correct-fb{background:var(--success-bg);color:var(--success);border:1px solid rgba(26,107,53,0.2);}
.q-fb.wrong-fb{background:var(--danger-bg);color:var(--danger);border:1px solid rgba(176,48,48,0.2);}

/* FOOTER */
.site-footer{background:var(--forest);padding:40px 40px 28px;color:rgba(255,255,255,0.55);}
.fi{max-width:1000px;margin:0 auto;text-align:center;}
.fi .fb{font-family:'Playfair Display',serif;font-size:1.2rem;color:#fff;margin-bottom:8px;}.fi .fb span{color:var(--gold);}
.fi .fd{font-size:.8rem;line-height:1.7;margin-bottom:10px;}
.fi .fc{font-size:.78rem;}.fi .fc a{color:var(--gold);}