.budgeting-guide{padding-bottom:70px}
.budgeting-guide .article-header{max-width:860px;padding-block:52px 38px}
.budgeting-guide .article-header h1{margin-bottom:16px}
.budgeting-guide .article-deck{font-size:clamp(21px,2.5vw,30px);line-height:1.45;color:var(--deep);max-width:780px}
.budgeting-guide .article-header>p:not(.eyebrow):not(.article-deck){max-width:760px;color:var(--muted)}
.budgeting-pdf-note{margin-top:25px;padding:15px 18px;background:var(--surface);border-inline-start:3px solid var(--gold);font-size:14px;color:var(--muted)}
.budgeting-guide .article-layout{align-items:start}
.budgeting-toc{display:flex;flex-direction:column;gap:11px}
.budgeting-toc a{font-size:13px;line-height:1.55;color:var(--muted)}
.budgeting-toc a:hover{color:var(--navy)}
.budgeting-guide .article-layout article section{margin-bottom:48px;scroll-margin-top:24px}
.budgeting-guide .article-layout article>section#understand,
.budgeting-guide .article-layout article>section#practice{padding:0;background:transparent;border:0;border-radius:0}
.budgeting-guide .article-layout article>section#understand>.eyebrow:before,
.budgeting-guide .article-layout article>section#practice>.eyebrow:before{content:"";display:inline-block;width:30px;height:2px;margin-inline-end:10px;background:var(--sage);vertical-align:middle}
.budgeting-guide .article-layout article h2{margin:5px 0 24px}
.budgeting-guide .article-layout article h3{font-size:27px;line-height:1.25;margin:32px 0 12px}
.budgeting-guide .article-layout article h4{font:500 17px/1.4 Inter,Arial,sans-serif;margin:0 0 10px}
.budgeting-title-row{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;direction:ltr}
.budgeting-title-copy{min-width:0;flex:1}
.budgeting-download{display:inline-flex;align-items:center;gap:10px;margin-top:6px;padding:9px 12px;border:1px solid var(--navy);border-radius:3px;color:var(--navy);font-size:11px;font-weight:600;line-height:1.35;white-space:nowrap;transition:background .15s,color .15s}
.budgeting-download:hover{background:var(--navy);color:var(--paper)}
.budgeting-download span{color:var(--sage);font-size:10px}
.budgeting-download:hover span{color:var(--gold)}
.budgeting-guide[dir="rtl"] .budgeting-title-copy{text-align:right;direction:rtl}
.budgeting-guide[dir="rtl"] .budgeting-download{direction:rtl}
.budgeting-guide .article-layout article>section>p,
.budgeting-guide .article-layout article>section>ul{color:#36464b;line-height:1.8}
.budgeting-guide .article-layout article>section>p:has(>strong){padding:14px 16px;background:#f3ead8;border-inline-start:3px solid var(--gold);color:var(--navy)}
.budgeting-categories,.budgeting-ratios,.budgeting-spreadsheets{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:23px 0}
.budgeting-categories>section,.budgeting-spreadsheets>div{padding:19px;background:var(--surface);border:1px solid var(--line);border-radius:4px}
.budgeting-categories>section:nth-child(1){background:#e2ebe2}
.budgeting-categories>section:nth-child(2){background:#f3eadb}
.budgeting-categories>section:nth-child(3){background:#e3ebef}
.budgeting-categories p,.budgeting-spreadsheets p{margin:0;color:var(--muted);font-size:13px;line-height:1.7}
.budgeting-small-note{font-size:13px;color:var(--muted)}
.budgeting-ratios>p{display:flex;flex-direction:column;gap:5px;margin:0;padding:18px;background:var(--navy);color:var(--paper);border-radius:4px}
.budgeting-ratios strong{font:400 30px/1.1 'Playfair Display',Georgia,serif;color:var(--gold)}
.budgeting-ratios span{font-size:12px}
.budgeting-steps{list-style:none;counter-reset:budget-step;padding:0;margin:22px 0}
.budgeting-steps li{counter-increment:budget-step;display:grid;grid-template-columns:40px 1fr;gap:2px 14px;padding:17px 0;border-bottom:1px solid var(--line)}
.budgeting-steps li:before{content:counter(budget-step,decimal-leading-zero);grid-row:span 2;color:var(--sage);font-size:11px;letter-spacing:1px;padding-top:4px}
.budgeting-steps strong{font-size:15px}
.budgeting-steps span{font-size:14px;line-height:1.65;color:var(--muted)}
.budgeting-spreadsheets h3{font-size:20px;margin:0 0 10px}
.budgeting-spreadsheets span{display:inline-block;margin-top:14px;font-size:10px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--sage)}
.budgeting-guide .article-note{margin-top:45px}
@media(max-width:700px){
  .budgeting-guide .article-header{padding-block:32px 25px}
  .budgeting-guide .article-layout article>section#understand,
  .budgeting-guide .article-layout article>section#practice{padding:0}
  .budgeting-title-row{flex-direction:column;gap:8px}
  .budgeting-download{align-self:flex-end;margin:0 0 9px}
  .budgeting-categories,.budgeting-ratios,.budgeting-spreadsheets{grid-template-columns:1fr}
  .budgeting-guide .article-layout article h3{font-size:24px}
}
.budgeting-jump-link{display:inline-block;margin-top:10px;padding:7px 0;border-bottom:1px solid var(--sage);color:var(--navy);font-size:13px;font-weight:600}
.budgeting-jump-link:hover{border-color:var(--gold);color:var(--sage)}
.budget-download-intro p{color:#36464b;line-height:1.75;margin:0 0 13px}
.budget-download-intro .budget-tagline{color:var(--navy);font-weight:600;margin:20px 0 25px}
.budget-chooser{min-width:0}
.budget-option{display:flex;gap:11px;align-items:flex-start;cursor:pointer;border:1px solid var(--line);border-radius:4px;padding:15px;background:var(--paper);color:var(--navy);min-width:0}
.budget-option>span{min-width:0}.budget-option strong{font:500 15px/1.5 Inter,Arial,sans-serif}
.budget-option input{width:18px;height:18px;flex:0 0 18px;margin:3px 0 0;accent-color:var(--deep)}
.budget-option:has(input:checked){border-color:var(--deep);background:#e6ebe2;box-shadow:inset 0 0 0 1px var(--deep)}
.budget-option:has(input:focus-visible){outline:3px solid var(--gold);outline-offset:3px}
.budget-blank-action,.budget-example-action{display:inline-flex;justify-content:center;align-items:center;gap:12px;min-height:48px;padding:12px 16px;border:1px solid var(--navy);border-radius:3px;font-size:13px;font-weight:600;line-height:1.5;text-align:center}
.budget-blank-action{background:var(--navy);color:var(--paper)}
.budget-blank-action:hover{background:#29424c}.budget-example-action{color:var(--navy);background:transparent}.budget-example-action:hover{background:#e6ebe2}
.budget-blank-action svg{width:18px;height:18px;flex:0 0 18px;fill:none;stroke:var(--gold);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.budget-copy-action{display:inline-block;margin-top:16px;color:var(--deep);text-decoration:underline;text-underline-offset:4px;font-size:13px;line-height:1.6;border:0}
.budget-action-note{font-size:12px;line-height:1.7;color:var(--muted);margin:12px 0 0}
.budget-chooser [hidden]{display:none!important}
.budget-fallback-row{padding:18px 0;border-bottom:1px solid var(--line);display:flex;flex-wrap:wrap;gap:10px 20px;font-size:13px}.budget-fallback-row strong{width:100%}.budget-fallback-row a{text-decoration:underline}
.budget-chooser{background:transparent;border:0;padding:0}
.budget-language-toggle{border:0;padding:0;margin:0 0 10px;min-width:0}
.budget-language-toggle legend{font:500 13px/1.6 Inter,Arial,sans-serif;color:var(--deep);margin-bottom:9px;padding:0}
.budget-language-options{display:flex;flex-wrap:wrap;gap:8px}
.budget-language-options .budget-option{padding:10px 15px;align-items:center;gap:9px}
.budget-language-options .budget-option strong{font-size:13px}
.budget-language-options .budget-option input{margin:0;width:16px;height:16px;flex-basis:16px}
.budget-us-note{font-size:12px;color:var(--muted);margin:0 0 22px;line-height:1.7}
.budget-card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.budget-download-card{display:flex;flex-direction:column;padding:22px;background:var(--surface);border:1px solid var(--line);border-radius:4px;min-width:0}
.budget-card-meta{display:flex;align-items:center;justify-content:space-between;gap:12px;color:var(--deep);font-size:11px;line-height:1.6;margin-bottom:13px}
.budget-card-meta>span:first-child{font-size:19px;font-weight:600;line-height:1.35;color:var(--navy)}
.budget-card-meta>[data-budget-card-language]{flex-shrink:0;font-size:11px}
.budgeting-guide .article-layout article .budget-download-card h3{font-size:25px;line-height:1.3;margin:0 0 9px}
.budget-card-badge{font-size:10px;font-weight:600;line-height:1.5;color:var(--deep);margin-bottom:13px}
.budget-download-card[data-level="simple"] .budget-card-badge{color:#74531c}
.budget-download-card>p{font-size:13px;color:#465855;line-height:1.7;margin:0 0 24px}
.budget-card-actions{display:flex;flex-direction:column;gap:10px;margin-top:auto}
.budget-card-actions .budget-blank-action,.budget-card-actions .budget-example-action{box-sizing:border-box;width:100%;padding:11px 10px;font-size:12px}
.budget-download-card .budget-copy-action{font-size:12px;text-align:center}
.article-layout article a.budget-copy-action{border-bottom:0}
.budget-dashboard-previews{margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.budget-dashboard-previews>h3{font:500 24px/1.3 Georgia,'Times New Roman',serif;color:var(--navy);margin:0 0 7px}
.budget-dashboard-previews>p{font-size:13px;color:var(--muted);margin:0 0 16px;line-height:1.65}
.budget-preview-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.budget-preview-card{min-width:0;margin:0;padding:11px;background:var(--surface);border:1px solid var(--line);border-radius:4px}
.budget-preview-image-link{display:block;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:2px;line-height:0}
.budget-preview-image-link:hover{border-color:var(--deep)}
.budget-preview-image-link img{display:block;width:100%;height:auto;background:#fff}
.budget-preview-card figcaption{padding:10px 2px 1px;font-size:13px;font-weight:600;color:var(--navy)}
.budget-preview-note{margin:11px 0 0!important;font-size:11px!important;color:var(--muted)!important}
.budget-noscript{margin-top:22px;font-size:13px}.budget-noscript summary{cursor:pointer}
@media(max-width:700px){.budget-chooser{padding:0}.budget-card-grid,.budget-preview-grid{grid-template-columns:1fr}.budget-download-card{padding:22px}.budget-card-actions .budget-blank-action,.budget-card-actions .budget-example-action{font-size:13px}}