/* USANextDayFunds - "First Light": warm white canvas, sunrise red CTA, denim accents, Overpass + Libre Franklin, 12px radii. */
:root{
  --bg:#FAF7F2;--card:#FFFFFF;--ink:#142536;--text:#2A3A4A;--muted:#56677A;
  --accent:#D0362F;--accent-deep:#A8281F;--accent-tint:#F7DCD3;--sky:#E6EEF6;--sky-deep:#CFDEEC;
  --denim:#22597F;--denim-deep:#17436A;--line:#E3E6E9;
  --foot-bg:#0F1F2E;--foot-text:#D6E0EA;--foot-link:#F3A68E;--dim:#A9B8C7;
  --fd:"Overpass",system-ui,sans-serif;--fb:"Libre Franklin",system-ui,sans-serif;--r:12px;--wrap:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--fb);font-size:17px;line-height:1.6;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--denim)}
h1,h2,h3{font-family:var(--fd);color:var(--ink);line-height:1.12;margin:0;font-weight:700;text-wrap:balance}
p,ul{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px;z-index:60;border-radius:8px}
.skip:focus{left:8px;top:8px}
.eyebrow{font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--denim)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--fd);font-weight:700;font-size:16px;padding:15px 28px;border-radius:999px;border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .2s cubic-bezier(.22,1,.36,1),transform .2s cubic-bezier(.22,1,.36,1)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--sky-deep);outline-offset:2px}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-primary:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--sky)}

/* header - sticky frosted bar, coral baseline, no CTA */
.top{position:sticky;top:0;z-index:20;background:rgba(250,247,242,.88);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid #F0C4BC}
.top-in{display:flex;align-items:center;gap:28px;height:64px;position:relative}
.brand{text-decoration:none;display:inline-flex;align-items:center;gap:10px}
.brand .mark{width:28px;height:28px;flex:0 0 28px}
.wm{font-family:var(--fd);font-weight:700;font-size:21px;letter-spacing:-.01em;color:var(--ink)}
.wm b{font-weight:700;color:var(--accent)}
.nav{display:flex;align-items:center;gap:26px;margin-left:auto}
.nav a{font-family:var(--fd);font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent;transition:border-color .2s}
.nav a:hover{border-bottom-color:var(--accent)}
.nb{display:none;width:42px;height:42px;border:1px solid var(--line);background:var(--card);border-radius:10px;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;padding:0;margin-left:auto}
.nb span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px}
@media(max-width:860px){
  .nav{display:none;position:absolute;top:62px;left:0;right:0;background:var(--card);border:1px solid var(--line);border-radius:var(--r);flex-direction:column;align-items:stretch;gap:0;padding:6px 0;box-shadow:0 18px 40px rgba(20,37,54,.16);margin:0}
  .nav.open{display:flex}
  .nav a{padding:12px 18px;border:0;border-top:1px solid var(--line)}
  .nav a:first-child{border-top:0}
  .nb{display:inline-flex}
}

/* hero - balloon-lift sunrise under a cream veil, form card first */
.hero{position:relative;padding:54px 0 64px;overflow:hidden;background:var(--sky)}
.hero-bg{position:absolute;inset:0;margin:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-veil{position:absolute;inset:0;background:linear-gradient(180deg,rgba(250,247,242,.22) 0%,rgba(250,247,242,.46) 42%,rgba(250,247,242,.84) 78%,#FAF7F2 100%)}
.hero-in{position:relative;z-index:1;text-align:center}
.hero-eyebrow{display:inline-flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:10px;font-family:var(--fd);font-weight:600;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);background:rgba(255,255,255,.62);border-radius:999px;padding:8px 16px;margin-bottom:18px}
.hero-eyebrow i{width:5px;height:5px;border-radius:50%;background:var(--accent);display:inline-block}
.form-card{background:var(--card);border:1px solid var(--sky-deep);border-radius:var(--r);box-shadow:0 0 0 6px rgba(255,255,255,.55),0 30px 70px rgba(20,37,54,.16);padding:26px 26px 18px;width:100%;max-width:var(--card-max,560px);margin:0 auto;text-align:left}
.form-card__head{text-align:center;padding-bottom:16px;border-bottom:1px dashed var(--sky-deep)}
.form-card__head .sun{width:40px;height:40px;margin:0 auto 8px}
.form-card__head h2{font-size:25px;letter-spacing:-.01em}
.form-card__head p{color:var(--muted);font-size:14.5px;margin-top:6px}
.form-host{margin-top:16px}
.form-card__trust{display:table;margin:16px auto 0;background:var(--sky);border-radius:999px;padding:8px 16px;font-size:12.5px;color:var(--ink);text-align:center;line-height:1.5;max-width:100%}
:root{--card-max:780px;--cta-text:#FFFFFF}
.ticks{display:grid;grid-template-columns:repeat(2,max-content);justify-content:center;gap:10px 40px;margin:26px auto 0;padding:0;list-style:none}
.ticks li{display:inline-flex;align-items:center;gap:8px;font-family:var(--fd);font-weight:600;font-size:14.5px;color:var(--ink)}
.ticks svg{width:18px;height:18px;flex:0 0 18px}
.hero-h1{font-size:clamp(30px,4.4vw,46px);letter-spacing:-.015em;max-width:760px;margin:38px auto 0}
.hero-sub{max-width:640px;margin:14px auto 0;font-size:17px;color:var(--text);text-wrap:pretty}
@media(max-width:600px){
  .hero{padding:34px 0 46px}
  .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:20px 16px 16px}
  .ticks{grid-template-columns:1fr 1fr;gap:10px 12px;justify-items:start;margin-top:22px;width:100%}
  .ticks li{font-size:13.5px;text-align:left}
  .hero-eyebrow{font-size:11px;letter-spacing:.1em;gap:8px;padding:7px 12px}
  .hero-h1{margin-top:30px}
}
/* daybreak - photo band, ink veil from the left, one statement */
.daybreak{position:relative;overflow:hidden;background:var(--ink);color:#fff}
.daybreak-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.daybreak-veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(20,37,54,.94) 0%,rgba(20,37,54,.88) 48%,rgba(20,37,54,.28) 100%)}
.daybreak-in{position:relative;z-index:1;padding:96px 0;max-width:580px}
.daybreak .eyebrow{color:var(--foot-link)}
.daybreak h2{color:#fff;font-size:clamp(30px,4vw,46px);margin-top:12px;letter-spacing:-.012em}
.daybreak p{margin-top:16px;font-size:17px;color:#E4EAF0;max-width:500px;text-wrap:pretty}
.daybreak-link{display:inline-flex;align-items:center;gap:8px;margin-top:26px;font-family:var(--fd);font-weight:700;font-size:15px;color:var(--foot-link);text-decoration:none;border-bottom:2px solid rgba(243,166,142,.5);padding-bottom:3px}
.daybreak-link:hover{border-bottom-color:var(--foot-link)}
@media(max-width:600px){.daybreak-veil{background:linear-gradient(180deg,rgba(20,37,54,.9) 0%,rgba(20,37,54,.86) 100%)}.daybreak-in{padding:62px 0}}

/* notes - recognition strip as six pinned fridge notes */
.board{padding:88px 0 80px;background:var(--bg)}
.board .sec-head{max-width:700px;margin:0 auto;text-align:center}
.board-list{list-style:none;margin:38px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.board-list li{position:relative;background:var(--card);border-radius:4px;padding:34px 22px 24px;font-family:var(--fd);font-weight:600;font-size:19px;line-height:1.35;color:var(--ink);box-shadow:0 14px 34px rgba(20,37,54,.10);transform:rotate(-.8deg)}
.board-list li:nth-child(even){transform:rotate(.7deg);background:#FFFDF8}
.board-list li .pin{position:absolute;top:12px;left:50%;width:14px;height:14px;margin-left:-7px;border-radius:50%;background:var(--accent);box-shadow:0 2px 4px rgba(20,37,54,.3),inset 0 -3px 0 rgba(0,0,0,.18)}
.board-close{margin-top:36px;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:18px 32px;text-align:center}
.board-close p{max-width:640px;font-size:16.5px;color:var(--text)}
@media(max-width:860px){.board-list{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.board{padding:60px 0 56px}.board-list{grid-template-columns:1fr;gap:16px}.board-list li{font-size:17.5px;padding:30px 18px 20px}}

/* timeline - three stops on a denim rail */
.timeline{padding:88px 0;background:var(--sky)}
.sec-head h2{font-size:clamp(28px,3.6vw,40px);margin-top:10px;letter-spacing:-.012em}
.sec-head p{margin-top:12px;color:var(--muted);font-size:17px;text-wrap:pretty}
.timeline .sec-head{max-width:720px}
.stops{list-style:none;margin:40px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative}
.stops::before{content:"";position:absolute;left:0;right:0;top:9px;height:2px;background:var(--sky-deep)}
.stops li{position:relative;padding-top:30px}
.stops li::before{content:"";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:var(--denim);box-shadow:0 0 0 5px var(--sky)}
.stops li:last-child::before{background:var(--accent)}
.stops .when{display:block;font-family:var(--fd);font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--denim)}
.stops li:last-child .when{color:var(--accent-deep)}
.stops h3{font-size:22px;margin-top:8px;letter-spacing:-.01em}
.stops p{margin-top:8px;color:var(--text);font-size:16px;text-wrap:pretty}
@media(max-width:760px){.timeline{padding:60px 0}.stops{grid-template-columns:1fr;gap:26px;padding-left:34px}.stops::before{left:9px;right:auto;top:0;bottom:0;width:2px;height:auto}.stops li{padding-top:0}.stops li::before{left:-34px;top:4px}}

/* why - dark ink band with the balloon art and three "will not" rows */
.why{background:var(--ink);color:var(--foot-text);padding:92px 0;overflow:hidden}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.why .eyebrow{color:var(--foot-link)}
.why h2{color:#fff;font-size:clamp(28px,3.6vw,40px);margin-top:10px;letter-spacing:-.012em}
.why-lead{margin-top:14px;color:var(--dim);font-size:16.5px}
.nots{list-style:none;margin:28px 0 0;padding:0}
.nots li{display:grid;grid-template-columns:44px 1fr;gap:14px;padding:18px 0;border-top:1px solid rgba(214,224,234,.16)}
.nots li:last-child{border-bottom:1px solid rgba(214,224,234,.16)}
.nots b{width:34px;height:34px;border-radius:50%;border:2px solid var(--foot-link);color:var(--foot-link);display:inline-flex;align-items:center;justify-content:center;font-family:var(--fd);font-weight:700;font-size:15px}
.nots h3{color:#fff;font-size:19px}
.nots p{margin-top:6px;color:var(--dim);font-size:15.5px}
.art{width:100%;border-radius:var(--r)}
@media(max-width:900px){.why{padding:64px 0}.why-grid{grid-template-columns:1fr;gap:36px}.art{max-width:520px;margin:0 auto}}

/* guides - three answer-first reads */
.guides{padding:84px 0}
.guide-grid{list-style:none;margin:34px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.guide-grid a{display:block;height:100%;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px 22px;text-decoration:none;color:var(--text);transition:transform .3s cubic-bezier(.22,1,.36,1),box-shadow .3s}
.guide-grid a:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(20,37,54,.12)}
.guide-grid .eyebrow{color:var(--accent-deep)}
.guide-grid h3{font-size:20px;margin-top:8px;letter-spacing:-.01em}
.guide-grid p{margin-top:8px;font-size:15.5px;color:var(--muted)}
.guide-grid span{display:inline-block;margin-top:14px;font-family:var(--fd);font-weight:700;color:var(--denim);font-size:14.5px}
@media(max-width:860px){.guide-grid{grid-template-columns:1fr}.guides{padding:60px 0}}
/* faq - two columns of numbered plain answers */
.faq{padding:88px 0 80px;background:var(--card);border-top:1px solid var(--line)}
.faq .sec-head{max-width:720px}
.faq-list{margin-top:36px;display:grid;grid-template-columns:1fr 1fr;gap:28px 48px}
.faq-list .q{display:grid;grid-template-columns:40px 1fr;gap:14px;align-items:start}
.faq-list .q span{font-family:var(--fd);font-weight:700;font-size:13px;letter-spacing:.1em;color:#fff;background:var(--accent);border-radius:8px;padding:6px 0;text-align:center;margin-top:2px}
.faq-list h3{font-size:19px;letter-spacing:-.005em;line-height:1.3}
.faq-list p{margin-top:8px;color:var(--text);font-size:16px;text-wrap:pretty}
@media(max-width:760px){.faq{padding:60px 0 56px}.faq-list{grid-template-columns:1fr;gap:24px}}

/* closing cta band */
.close{padding:84px 0;background:var(--sky);border-top:1px solid var(--sky-deep)}
.close-in{display:grid;grid-template-columns:1fr auto;gap:28px 48px;align-items:center}
.close h2{font-size:clamp(28px,3.6vw,40px);letter-spacing:-.012em}
.close p{margin-top:10px;color:var(--muted);max-width:560px}
@media(max-width:760px){.close{padding:60px 0}.close-in{grid-template-columns:1fr}}

/* footer */
.foot{background:var(--foot-bg);color:var(--foot-text);padding:64px 0 40px;font-size:14px}
.foot-top{display:grid;grid-template-columns:1fr auto;gap:24px 40px;align-items:start;padding-bottom:28px;border-bottom:1px solid rgba(214,224,234,.14)}
.foot .wm{color:#fff}
.foot .wm b{color:var(--foot-link)}
.foot-line{margin-top:10px;color:var(--dim);max-width:480px;font-size:14.5px}
.foot a{color:var(--foot-link)}
.foot-mail{font-family:var(--fd);font-weight:600;font-size:15px;text-decoration:none;border-bottom:1px solid rgba(243,166,142,.5);padding-bottom:2px}
.foot-mail:hover{border-bottom-color:var(--foot-link)}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 0;margin:22px 0 0;padding:0}
.legal-links a{color:var(--foot-text);text-decoration:none;font-family:var(--fd);font-weight:600;font-size:14px;padding:4px 14px;border-left:1px solid rgba(214,224,234,.25)}
.legal-links a:first-child{padding-left:0;border-left:0}
.legal-links a:hover{color:var(--foot-link)}
.disc{margin-top:22px;padding-top:22px;border-top:1px solid rgba(214,224,234,.14)}
.disc p{color:var(--dim);font-size:13px;line-height:1.6;margin:0 0 10px}
.disc b,.disc strong{color:#fff;font-weight:600}
.disc a{color:var(--foot-link)}
@media(max-width:760px){.foot-top{grid-template-columns:1fr}.legal-links a{padding:4px 10px}}

/* subpage prose (guides, how-it-works, contact, privacy, terms, unsubscribe, do-not-sell, 404) */
.sub main{background:var(--bg)}
.prose{max-width:720px;padding:56px 20px 88px}
.prose h1{font-size:clamp(32px,4.4vw,44px);letter-spacing:-.015em}
.prose .updated{margin-top:10px;font-family:var(--fd);font-weight:600;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-deep)}
.prose h2{font-size:23px;margin-top:40px;padding-top:22px;border-top:1px solid var(--line);letter-spacing:-.01em}
.prose p{margin-top:14px;line-height:1.7;text-wrap:pretty}
.prose ul{margin:14px 0 0;padding:0 0 0 22px}
.prose li{margin-top:8px;line-height:1.65;padding-left:4px}
.prose li::marker{color:var(--accent)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--denim);text-decoration:underline;text-underline-offset:3px}
.prose .btn{margin-top:22px;margin-right:10px;text-decoration:none}
.prose .btn-primary{color:#fff}
.prose .btn-ghost{color:var(--ink)}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important}html{scroll-behavior:auto}.board-list li{transform:none}}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}