/* Vertical hub template — networth.com v3 tokens (home-v3.css). */
.hubx{padding:26px 0 64px}
.hubx .wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.hb-crumbs{font:500 13px/1.4 Inter,sans-serif;color:var(--muted);margin:4px 0 20px}
.hb-crumbs a{color:var(--blue);text-decoration:none}
.hb-crumbs span{margin:0 7px;color:#c2ccdd}

/* hero */
.hb-hero{margin-bottom:22px}
.hb-h1{font:800 42px/1.06 "Plus Jakarta Sans",sans-serif;color:var(--ink);margin:0 0 14px;letter-spacing:-.01em}
.hb-lead{font:400 19px/1.55 Inter,sans-serif;color:var(--body);margin:0;max-width:720px}
.hb-byline{font:500 14px/1.4 Inter,sans-serif;color:var(--muted);margin:14px 0 0}
.hb-byline a{color:var(--blue);text-decoration:none;font-weight:600}

/* live-rates strip (Layer 11) */
.hb-rates{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:20px 0 0}
.hb-rate{display:flex;align-items:baseline;gap:8px;background:var(--card);border:1px solid var(--line);
  border-radius:12px;padding:12px 16px;box-shadow:0 6px 18px rgba(15,34,80,.05)}
.hb-rlabel{font:600 12px/1 Inter,sans-serif;letter-spacing:.03em;text-transform:uppercase;color:var(--muted)}
.hb-rval{font:800 20px/1 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-rate em{font:700 13px/1 Inter,sans-serif;font-style:normal}
.hb-rate em.up{color:var(--green)} .hb-rate em.dn,.hb-rate em.down{color:var(--red)}
.hb-rasof{font:500 12px/1 Inter,sans-serif;color:var(--muted)}

/* tools / topics switchboard row */
.hb-explore-h{margin:26px 0 14px}
.hb-topics{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 34px;padding:0}
.hb-topic{display:inline-flex;align-items:center;gap:8px;font:700 14px/1 Inter,sans-serif;color:var(--ink);
  background:var(--soft);border:1px solid var(--hair);border-radius:999px;padding:11px 16px;text-decoration:none;transition:.15s}
.hb-topic:hover{background:var(--blue);border-color:var(--blue);color:#fff}
.hb-topic svg{color:var(--blue);transition:.15s} .hb-topic:hover svg{color:#fff}

/* picks toplist — the "money slot" (Layer 2 card anatomy + rating-bar data-viz) */
.hb-picks{margin:0 0 38px}
.hb-picks-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-bottom:6px}
.hb-picks-head .hb-h2{margin:0}
.hb-picks-upd{font:500 12.5px/1 Inter,sans-serif;color:var(--muted)}
.hb-picks-disc{font:400 13px/1.5 Inter,sans-serif;color:var(--muted);margin:0 0 16px;max-width:760px}
.hb-picks-disc a{color:var(--blue);text-decoration:none}
.hb-picklist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px;counter-reset:pk}
.hb-pick{display:grid;grid-template-columns:34px 64px 1fr auto;gap:16px;align-items:center;
  background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px;
  box-shadow:0 6px 20px rgba(15,34,80,.05)}
.hb-pick-rank{font:800 20px/1 "Plus Jakarta Sans",sans-serif;color:var(--blue);text-align:center}
.hb-pick-logo{width:64px;height:44px;display:flex;align-items:center;justify-content:center;
  background:var(--soft);border:1px solid var(--hair);border-radius:8px;overflow:hidden}
.hb-pick-logo img{max-width:100%;max-height:100%;object-fit:contain}
.hb-pick-initials{font:800 15px/1 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-pick-name{display:block;font:800 17px/1.25 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-pick-bestfor{display:block;font:600 13px/1.3 Inter,sans-serif;color:var(--blue);margin-top:3px}
.hb-pick-score{display:inline-flex;align-items:center;gap:8px;font:500 13px/1 Inter,sans-serif;color:var(--body);margin-top:8px}
.hb-pick-score b{font-weight:800;color:var(--ink)}
.hb-pick-bar{display:inline-block;width:96px;height:7px;border-radius:99px;background:var(--soft);overflow:hidden}
.hb-pick-fill{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--blue),var(--blue-deep))}
.hb-pick-note{display:block;font:400 13px/1.5 Inter,sans-serif;color:var(--body);margin-top:8px;max-width:52ch}
.hb-pick-cta{display:flex;flex-direction:column;align-items:flex-end;gap:8px}
.hb-pick-metric{text-align:right;line-height:1.1}
.hb-pick-metric b{display:block;font:800 20px/1 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-pick-metric em{font:600 11.5px/1 Inter,sans-serif;font-style:normal;letter-spacing:.03em;text-transform:uppercase;color:var(--muted)}
@media(max-width:640px){
  .hb-pick{grid-template-columns:28px 52px 1fr;gap:12px}
  .hb-pick-cta{grid-column:2 / -1;flex-direction:row;align-items:center;justify-content:space-between;margin-top:4px}
}

/* body grid */
.hb-grid{display:grid;grid-template-columns:1fr 340px;gap:36px;align-items:start}
.hb-h2{font:800 24px/1.2 "Plus Jakarta Sans",sans-serif;color:var(--ink);margin:0 0 18px}

/* feed cards */
.hb-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:22px}
.hb-card a{display:flex;flex-direction:column;text-decoration:none}
.hb-card:hover .hb-cardtitle{color:var(--blue)}
.hb-cardimg{display:block;aspect-ratio:16/9;border-radius:12px;overflow:hidden;background:var(--soft);margin-bottom:10px}
.hb-cardimg img{width:100%;height:100%;object-fit:cover}
.hb-cardtitle{font:700 17px/1.32 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-cardex{font:400 14px/1.5 Inter,sans-serif;color:var(--body);margin-top:6px}
.hb-cardmeta{font:500 12.5px/1 Inter,sans-serif;color:var(--muted);margin-top:8px}
.hb-empty p{font:400 16px/1.6 Inter,sans-serif;color:var(--muted)}

/* "More in <vertical>" list */
.hb-more{margin-top:40px}
.hb-morelist{list-style:none;margin:0;padding:0}
.hb-morelist li{padding:16px 0;border-top:1px solid var(--line)}
.hb-morelink{display:block;font:700 16.5px/1.35 "Plus Jakarta Sans",sans-serif;color:var(--ink);text-decoration:none}
.hb-morelink:hover{color:var(--blue)}
.hb-moreex{display:block;font:400 14.5px/1.55 Inter,sans-serif;color:var(--body);margin-top:5px}
.hb-moremeta{display:block;font:500 12.5px/1 Inter,sans-serif;color:var(--muted);margin-top:6px}

/* faq */
.hb-faq{margin-top:40px}
.hb-qa{padding:20px 0;border-top:1px solid var(--line)}
.hb-qa h3{font:800 18px/1.35 "Plus Jakarta Sans",sans-serif;color:var(--ink);margin:0 0 8px}
.hb-qa p{font:400 16px/1.68 Inter,sans-serif;color:var(--body);margin:0}

/* rail */
.hb-rail{display:flex;flex-direction:column;gap:16px;position:sticky;top:16px}
.hb-cta{background:linear-gradient(150deg,#14356f,#0b1f4e);border-radius:var(--r);padding:24px;color:#fff;
  box-shadow:0 20px 44px rgba(11,34,88,.26)}
.hb-cta h2{font:800 20px/1.2 "Plus Jakarta Sans",sans-serif;color:#fff;margin:0 0 8px}
.hb-cta p{font:400 14.5px/1.55 Inter,sans-serif;color:#cdd9f2;margin:0 0 16px}
.hb-cta .btn{background:#fff;color:var(--ink)}
.hb-railbox{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px}
.hb-railh{font:800 12px/1 Inter,sans-serif;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}
.hb-au{display:flex;gap:12px;align-items:center;text-decoration:none}
.hb-auimg{width:48px;height:48px;border-radius:50%;object-fit:cover}
.hb-au b{display:block;font:800 15px/1.2 "Plus Jakarta Sans",sans-serif;color:var(--ink)}
.hb-au em{font:600 12.5px/1.3 Inter,sans-serif;font-style:normal;color:var(--blue)}
.hb-austd{font:400 13px/1.5 Inter,sans-serif;color:var(--muted);margin:12px 0 0}
.hb-austd a{color:var(--blue);text-decoration:none}

@media(max-width:920px){
  .hb-grid{grid-template-columns:1fr}
  .hb-rail{position:static;flex-direction:row;flex-wrap:wrap}
  .hb-rail>section{flex:1;min-width:240px}
}
@media(max-width:640px){
  .hb-h1{font-size:32px}
  .hb-cards{grid-template-columns:1fr}
  .hb-rail{flex-direction:column}
}