@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@400;500;600;700&display=swap');

/* =============================================
   NECTAR — Personal Finance & Investing
   Main Stylesheet
   ============================================= */

:root {
  --color-white:       #ffffff;
  --color-off-white:   #f8f9fc;
  --color-dark-blue:   #1a2744;
  --color-mid-blue:    #243460;
  --color-light-blue:  #e8edf7;
  --color-graphite:    #4a5568;
  --color-graphite-lt: #718096;
  --color-border:      #d1d9e6;
  --color-gold:        #f0b429;
  --color-gold-dark:   #d09a1a;
  --color-gold-light:  #fef3d0;
  --color-text:        #1e2a3a;
  --color-text-muted:  #6b7a99;

  --font-body:    'Inter', sans-serif;
  --font-display: 'Playfair Display', serif;

  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  16px;
  --radius-xl:  24px;

  --shadow-sm:  0 1px 3px rgba(26,39,68,.08);
  --shadow-md:  0 4px 16px rgba(26,39,68,.12);
  --shadow-lg:  0 8px 32px rgba(26,39,68,.16);

  --transition: .25s ease;
  --max-width:  1200px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--color-dark-blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-gold); }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: var(--font-body); }

/* ── Container ── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Typography ── */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-display);
  color: var(--color-dark-blue);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.125rem; }
p  { color: var(--color-graphite); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.lead {
  font-size: 1.125rem;
  color: var(--color-graphite);
  line-height: 1.8;
}

.text-gold   { color: var(--color-gold-dark); }
.text-muted  { color: var(--color-text-muted); }
.text-center { text-align: center; }
.text-white  { color: var(--color-white); }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-md);
  font-size: .9375rem;
  font-weight: 600;
  transition: all var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
  line-height: 1.4;
}

.btn-primary {
  background: var(--color-dark-blue);
  color: var(--color-white);
  border-color: var(--color-dark-blue);
}
.btn-primary:hover {
  background: var(--color-mid-blue);
  border-color: var(--color-mid-blue);
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-gold {
  background: var(--color-gold);
  color: var(--color-dark-blue);
  border-color: var(--color-gold);
}
.btn-gold:hover {
  background: var(--color-gold-dark);
  border-color: var(--color-gold-dark);
  color: var(--color-dark-blue);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--color-dark-blue);
  border-color: var(--color-dark-blue);
}
.btn-outline:hover {
  background: var(--color-dark-blue);
  color: var(--color-white);
  transform: translateY(-1px);
}

.btn-outline-white {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,.6);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--color-white);
  color: var(--color-white);
}

.btn-sm { padding: 9px 20px; font-size: .875rem; }
.btn-lg { padding: 16px 36px; font-size: 1.0625rem; }

/* ── Tags / Chips ── */
.tag {
  display: inline-flex;
  align-items: center;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: .8125rem;
  font-weight: 500;
  letter-spacing: .02em;
}
.tag-blue   { background: var(--color-light-blue); color: var(--color-dark-blue); }
.tag-gold   { background: var(--color-gold-light);  color: var(--color-gold-dark); }
.tag-gray   { background: #eef0f5; color: var(--color-graphite); }

/* ── Section spacing ── */
.section       { padding: 80px 0; }
.section-sm    { padding: 52px 0; }
.section-lg    { padding: 112px 0; }
.section-dark  { background: var(--color-dark-blue); }
.section-gray  { background: var(--color-off-white); }
.section-blue  { background: var(--color-light-blue); }

.section-header { margin-bottom: 52px; }
.section-header .eyebrow {
  display: block;
  font-family: var(--font-body);
  font-size: .8125rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--color-gold-dark);
  margin-bottom: 12px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p  { max-width: 560px; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }

/* ── Divider ── */
.divider-gold {
  width: 56px;
  height: 3px;
  background: var(--color-gold);
  border-radius: 2px;
  margin: 18px 0 0;
}
.divider-gold.centered { margin: 18px auto 0; }

/* ── Cards ── */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-body  { padding: 28px; }
.card-image { overflow: hidden; }
.card-image img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  transition: transform .4s ease;
}
.card:hover .card-image img { transform: scale(1.04); }

/* ── Grid helpers ── */
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

/* ── Flex helpers ── */
.flex-center  { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }

/* ── Form elements ── */
.form-group  { margin-bottom: 20px; }
.form-label  {
  display: block;
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-dark-blue);
  margin-bottom: 7px;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: .9375rem;
  color: var(--color-text);
  background: var(--color-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--color-dark-blue);
  box-shadow: 0 0 0 3px rgba(26,39,68,.09);
}
textarea.form-control { resize: vertical; min-height: 130px; }

.form-hint {
  font-size: .8125rem;
  color: var(--color-text-muted);
  margin-top: 5px;
}

/* ── Alert / Success message ── */
.alert {
  padding: 16px 20px;
  border-radius: var(--radius-md);
  font-size: .9375rem;
  font-weight: 500;
  margin-bottom: 24px;
  display: none;
}
.alert-success {
  background: #d1fae5;
  color: #065f46;
  border: 1px solid #6ee7b7;
}
.alert-error {
  background: #fee2e2;
  color: #991b1b;
  border: 1px solid #fca5a5;
}
.alert.show { display: flex; align-items: center; gap: 10px; }

/* ══════════════════════════════════════════
   HEADER / NAVIGATION
══════════════════════════════════════════ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.site-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-dark-blue);
  text-decoration: none;
}
.site-logo:hover { color: var(--color-dark-blue); }

.logo-mark {
  width: 38px;
  height: 38px;
  background: var(--color-dark-blue);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo-mark svg { width: 22px; height: 22px; }

.logo-dot {
  color: var(--color-gold);
  font-size: 2rem;
  line-height: 1;
  margin-left: -2px;
}

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }

.nav-link {
  display: block;
  padding: 8px 14px;
  font-size: .9rem;
  font-weight: 500;
  color: var(--color-graphite);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-link:hover,
.nav-link.active { color: var(--color-dark-blue); background: var(--color-light-blue); }

.nav-dropdown-trigger { display: flex; align-items: center; gap: 4px; }
.nav-dropdown-trigger svg { width: 14px; height: 14px; transition: transform var(--transition); }
.nav-item:hover .nav-dropdown-trigger svg { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 220px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(6px);
  transition: all var(--transition);
  z-index: 200;
}
.nav-item:hover .nav-dropdown {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}
.nav-dropdown a {
  display: block;
  padding: 9px 14px;
  font-size: .875rem;
  color: var(--color-graphite);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-dropdown a:hover {
  background: var(--color-light-blue);
  color: var(--color-dark-blue);
  padding-left: 18px;
}

.header-cta { display: flex; align-items: center; gap: 12px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 28px;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--color-dark-blue);
  border-radius: 2px;
  transition: all .3s ease;
}

/* ══════════════════════════════════════════
   FOOTER
══════════════════════════════════════════ */
.site-footer {
  background: var(--color-dark-blue);
  color: rgba(255,255,255,.75);
  padding: 72px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.footer-brand .site-logo {
  color: var(--color-white);
  margin-bottom: 20px;
  display: inline-flex;
}
.footer-brand .site-logo:hover { color: var(--color-gold); }
.footer-brand .logo-mark { background: rgba(255,255,255,.12); }

.footer-desc {
  font-size: .9rem;
  line-height: 1.75;
  color: rgba(255,255,255,.65);
  margin-bottom: 24px;
}

.footer-contacts p {
  font-size: .875rem;
  color: rgba(255,255,255,.65);
  margin-bottom: 6px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.footer-contacts svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 3px; color: var(--color-gold); }

.footer-col h4 {
  color: var(--color-white);
  font-family: var(--font-body);
  font-size: .875rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  font-size: .9rem;
  color: rgba(255,255,255,.65);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a::before {
  content: '';
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--color-gold);
  flex-shrink: 0;
  opacity: 0;
  transition: opacity var(--transition);
}
.footer-links a:hover { color: var(--color-white); padding-left: 4px; }
.footer-links a:hover::before { opacity: 1; }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom p {
  font-size: .8125rem;
  color: rgba(255,255,255,.45);
  margin: 0;
}
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a {
  font-size: .8125rem;
  color: rgba(255,255,255,.45);
  transition: color var(--transition);
}
.footer-bottom-links a:hover { color: var(--color-gold); }

/* ══════════════════════════════════════════
   HERO
══════════════════════════════════════════ */
.hero {
  position: relative;
  background: var(--color-dark-blue);
  overflow: hidden;
  min-height: 580px;
  display: flex;
  align-items: center;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: .18;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, rgba(26,39,68,.96) 45%, rgba(26,39,68,.55) 100%);
}
.hero-content {
  position: relative;
  z-index: 1;
  padding: 96px 0 80px;
  max-width: 680px;
}
.hero-content h1 {
  color: var(--color-white);
  margin-bottom: 22px;
}
.hero-content p {
  font-size: 1.125rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 36px;
  line-height: 1.8;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-page {
  min-height: 340px;
  align-items: flex-end;
}
.hero-page .hero-content { padding: 80px 0 56px; }
.hero-page .hero-content h1 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }

/* ══════════════════════════════════════════
   STATS BAR
══════════════════════════════════════════ */
.stats-bar {
  background: var(--color-gold);
  padding: 24px 0;
}
.stats-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-item .num {
  font-size: 1.875rem;
  font-weight: 800;
  color: var(--color-dark-blue);
  display: block;
  line-height: 1.1;
  font-family: var(--font-display);
}
.stat-item .lbl {
  font-size: .8125rem;
  color: rgba(26,39,68,.75);
  font-weight: 500;
  letter-spacing: .02em;
}
.stat-divider {
  width: 1px;
  height: 44px;
  background: rgba(26,39,68,.2);
}

/* ══════════════════════════════════════════
   INFO STRIP
══════════════════════════════════════════ */
.info-strip {
  background: var(--color-mid-blue);
  padding: 14px 0;
}
.info-strip p {
  color: rgba(255,255,255,.7);
  font-size: .875rem;
  margin: 0;
  text-align: center;
}
.info-strip a { color: var(--color-gold); }

/* ══════════════════════════════════════════
   ABOUT SECTION (home)
══════════════════════════════════════════ */
.about-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-image-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-image-wrap img {
  width: 100%;
  height: 460px;
  object-fit: cover;
}
.about-accent-box {
  position: absolute;
  bottom: -18px;
  right: -18px;
  width: 160px;
  height: 160px;
  background: var(--color-gold);
  border-radius: var(--radius-lg);
  z-index: -1;
}
.about-text .eyebrow {
  font-size: .8125rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--color-gold-dark);
  display: block;
  margin-bottom: 10px;
}
.about-text h2 { margin-bottom: 20px; }
.about-text .lead { margin-bottom: 20px; }
.checklist { margin: 24px 0; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 12px;
  font-size: .9375rem;
  color: var(--color-graphite);
}
.checklist li::before {
  content: '';
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-gold);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%231a2744'%3E%3Cpath fill-rule='evenodd' d='M16.707 5.293a1 1 0 010 1.414l-8 8a1 1 0 01-1.414 0l-4-4a1 1 0 011.414-1.414L8 12.586l7.293-7.293a1 1 0 011.414 0z' clip-rule='evenodd'/%3E%3C/svg%3E");
  background-size: 12px;
  background-repeat: no-repeat;
  background-position: center;
  margin-top: 2px;
}

/* ══════════════════════════════════════════
   PRINCIPLES / FEATURES GRID
══════════════════════════════════════════ */
.principles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.principle-card {
  padding: 36px 28px;
  border-radius: var(--radius-lg);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  transition: all var(--transition);
}
.principle-card:hover {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.principle-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.principle-icon svg {
  width: 26px;
  height: 26px;
  color: var(--color-gold-dark);
}
.principle-card h3 { font-size: 1.125rem; margin-bottom: 10px; }
.principle-card p  { font-size: .9rem; margin: 0; }

/* ══════════════════════════════════════════
   ARTICLES
══════════════════════════════════════════ */
.article-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.article-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.article-thumb {
  overflow: hidden;
  position: relative;
}
.article-thumb img {
  width: 100%;
  height: 210px;
  object-fit: cover;
  transition: transform .4s ease;
}
.article-card:hover .article-thumb img { transform: scale(1.05); }
.article-thumb-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 50%;
  background: linear-gradient(transparent, rgba(26,39,68,.45));
}
.article-body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.article-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}
.article-meta time {
  font-size: .8125rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 5px;
}
.article-body h3 { font-size: 1.125rem; margin-bottom: 10px; }
.article-body h3 a { color: var(--color-dark-blue); }
.article-body h3 a:hover { color: var(--color-gold-dark); }
.article-body p  { font-size: .9rem; flex: 1; }
.article-footer  {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.read-time {
  font-size: .8125rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 5px;
}
.read-more {
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-dark-blue);
  display: flex;
  align-items: center;
  gap: 4px;
  transition: gap var(--transition);
}
.read-more:hover { color: var(--color-gold-dark); gap: 8px; }

/* ── Article single page ── */
.article-single {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 52px;
  align-items: flex-start;
}
.article-content { min-width: 0; }
.article-hero-img {
  width: 100%;
  border-radius: var(--radius-lg);
  margin-bottom: 36px;
  max-height: 420px;
  object-fit: cover;
}
.prose h2 { font-size: 1.625rem; margin: 36px 0 14px; }
.prose h3 { font-size: 1.25rem; margin: 28px 0 12px; }
.prose p  { font-size: 1rem; margin-bottom: 18px; color: var(--color-graphite); }
.prose ul,
.prose ol { margin: 16px 0 20px 24px; }
.prose ul  { list-style: disc; }
.prose ol  { list-style: decimal; }
.prose li  { margin-bottom: 8px; font-size: 1rem; color: var(--color-graphite); }
.prose blockquote {
  border-left: 4px solid var(--color-gold);
  padding: 16px 24px;
  margin: 28px 0;
  background: var(--color-gold-light);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
}
.prose blockquote p { margin: 0; font-style: italic; color: var(--color-dark-blue); font-size: 1.0625rem; }
.prose table { width: 100%; border-collapse: collapse; margin: 24px 0; }
.prose table th {
  background: var(--color-dark-blue);
  color: var(--color-white);
  padding: 12px 16px;
  text-align: left;
  font-size: .875rem;
  font-family: var(--font-body);
}
.prose table td { padding: 11px 16px; border-bottom: 1px solid var(--color-border); font-size: .9375rem; color: var(--color-graphite); }
.prose table tr:last-child td { border-bottom: none; }
.prose table tr:nth-child(even) td { background: var(--color-off-white); }

/* ── Sidebar ── */
.sidebar { position: sticky; top: 88px; }
.sidebar-widget {
  background: var(--color-off-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
  border: 1px solid var(--color-border);
}
.sidebar-widget h4 {
  font-size: 1rem;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--color-border);
}
.sidebar-widget.dark {
  background: var(--color-dark-blue);
}
.sidebar-widget.dark h4 { color: var(--color-white); border-color: rgba(255,255,255,.15); }
.sidebar-widget.dark p  { color: rgba(255,255,255,.7); }

.toc-list li { margin-bottom: 8px; }
.toc-list a {
  font-size: .875rem;
  color: var(--color-graphite);
  display: flex;
  align-items: center;
  gap: 8px;
}
.toc-list a::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-border);
  flex-shrink: 0;
  transition: background var(--transition);
}
.toc-list a:hover { color: var(--color-dark-blue); }
.toc-list a:hover::before { background: var(--color-gold); }

.related-list li { margin-bottom: 12px; padding-bottom: 12px; border-bottom: 1px solid var(--color-border); }
.related-list li:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }
.related-list a { font-size: .875rem; font-weight: 500; color: var(--color-dark-blue); line-height: 1.4; }
.related-list a:hover { color: var(--color-gold-dark); }
.related-list span { font-size: .8125rem; color: var(--color-text-muted); display: block; margin-top: 3px; }

/* ══════════════════════════════════════════
   FAQ
══════════════════════════════════════════ */
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  background: var(--color-white);
  border: none;
  padding: 20px 24px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-dark-blue);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: background var(--transition);
}
.faq-q:hover { background: var(--color-off-white); }
.faq-q.open  { background: var(--color-light-blue); }
.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-light-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform var(--transition), background var(--transition);
}
.faq-q.open .faq-icon { transform: rotate(45deg); background: var(--color-gold); }
.faq-icon svg { width: 14px; height: 14px; color: var(--color-dark-blue); }
.faq-a {
  display: none;
  padding: 0 24px 20px;
  background: var(--color-light-blue);
}
.faq-a p { font-size: .9375rem; margin: 0; }

/* ══════════════════════════════════════════
   CALCULATOR / TOOLS
══════════════════════════════════════════ */
.calc-box {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}
.calc-box h3 {
  font-size: 1.25rem;
  margin-bottom: 6px;
}
.calc-box .desc {
  font-size: .9rem;
  color: var(--color-text-muted);
  margin-bottom: 28px;
}
.calc-result {
  margin-top: 24px;
  padding: 20px;
  background: var(--color-dark-blue);
  border-radius: var(--radius-md);
  display: none;
}
.calc-result.show { display: block; }
.calc-result .result-label { font-size: .875rem; color: rgba(255,255,255,.65); margin-bottom: 4px; }
.calc-result .result-value { font-size: 2rem; font-weight: 800; color: var(--color-gold); font-family: var(--font-display); }

/* Slider */
.range-group { margin-bottom: 20px; }
.range-label {
  display: flex;
  justify-content: space-between;
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-dark-blue);
  margin-bottom: 8px;
}
.range-val { color: var(--color-gold-dark); }
input[type=range] {
  width: 100%;
  -webkit-appearance: none;
  height: 5px;
  border-radius: 5px;
  background: var(--color-border);
  outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-dark-blue);
  cursor: pointer;
  border: 3px solid var(--color-white);
  box-shadow: var(--shadow-sm);
}

/* ══════════════════════════════════════════
   NEWSLETTER
══════════════════════════════════════════ */
.newsletter-box {
  background: var(--color-dark-blue);
  border-radius: var(--radius-xl);
  padding: 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.newsletter-box::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(240,180,41,.08);
}
.newsletter-box::after {
  content: '';
  position: absolute;
  bottom: -60px;
  left: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(240,180,41,.06);
}
.newsletter-box h2 { color: var(--color-white); margin-bottom: 12px; }
.newsletter-box p  { color: rgba(255,255,255,.72); max-width: 480px; margin: 0 auto 32px; }
.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 480px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.newsletter-form .form-control {
  flex: 1;
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.25);
  color: var(--color-white);
}
.newsletter-form .form-control::placeholder { color: rgba(255,255,255,.45); }
.newsletter-form .form-control:focus {
  border-color: var(--color-gold);
  background: rgba(255,255,255,.14);
  box-shadow: none;
}

/* ══════════════════════════════════════════
   BREADCRUMB
══════════════════════════════════════════ */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  padding: 14px 0;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 40px;
}
.breadcrumb a, .breadcrumb span {
  font-size: .8125rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 8px;
}
.breadcrumb a:hover { color: var(--color-dark-blue); }
.breadcrumb .bc-sep { color: var(--color-border); }
.breadcrumb .bc-current { color: var(--color-dark-blue); font-weight: 500; }

/* ══════════════════════════════════════════
   GLOSSARY
══════════════════════════════════════════ */
.glossary-nav {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.glossary-nav a {
  width: 38px;
  height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--color-off-white);
  border: 1px solid var(--color-border);
  font-size: .875rem;
  font-weight: 600;
  color: var(--color-graphite);
  transition: all var(--transition);
}
.glossary-nav a:hover,
.glossary-nav a.active {
  background: var(--color-dark-blue);
  color: var(--color-white);
  border-color: var(--color-dark-blue);
}

.glossary-letter {
  margin-bottom: 36px;
}
.glossary-letter-head {
  font-size: 2rem;
  font-weight: 700;
  color: var(--color-dark-blue);
  padding-bottom: 10px;
  margin-bottom: 20px;
  border-bottom: 3px solid var(--color-gold);
  display: inline-block;
}
.glossary-term {
  padding: 16px 0;
  border-bottom: 1px solid var(--color-border);
}
.glossary-term:last-child { border-bottom: none; }
.glossary-term dt {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-dark-blue);
  margin-bottom: 6px;
}
.glossary-term dd { font-size: .9375rem; color: var(--color-graphite); }

/* ══════════════════════════════════════════
   CONTACT PAGE
══════════════════════════════════════════ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 52px;
  align-items: flex-start;
}
.contact-info-card {
  background: var(--color-dark-blue);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--color-white);
}
.contact-info-card h3 { color: var(--color-white); margin-bottom: 8px; }
.contact-info-card > p { color: rgba(255,255,255,.7); margin-bottom: 32px; }
.c-info-item {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
}
.c-info-item:last-child { margin-bottom: 0; }
.c-info-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(240,180,41,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.c-info-icon svg { width: 20px; height: 20px; color: var(--color-gold); }
.c-info-text strong { display: block; font-size: .875rem; color: rgba(255,255,255,.5); font-weight: 400; margin-bottom: 3px; }
.c-info-text p { font-size: .9375rem; color: var(--color-white); margin: 0; font-weight: 500; }
.c-info-text a { color: var(--color-gold); }

/* ══════════════════════════════════════════
   HERO COMPACT VARIANT
══════════════════════════════════════════ */
.hero-compact {
  min-height: 220px;
}
.hero-compact .hero-content {
  padding: 64px 0 48px;
}

/* ══════════════════════════════════════════
   POLICY LAYOUT (two-column with sticky nav)
══════════════════════════════════════════ */
.policy-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 52px;
  align-items: flex-start;
}

.policy-nav {
  position: sticky;
  top: 88px;
  background: var(--color-off-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 24px;
}
.policy-nav h4 {
  font-size: .875rem;
  font-weight: 700;
  color: var(--color-dark-blue);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--color-gold);
  display: inline-block;
}
.policy-nav ol {
  list-style: decimal;
  padding-left: 16px;
}
.policy-nav li {
  margin-bottom: 9px;
}
.policy-nav a {
  font-size: .8125rem;
  color: var(--color-graphite);
  line-height: 1.4;
  transition: color var(--transition);
}
.policy-nav a:hover {
  color: var(--color-dark-blue);
}

@media (max-width: 900px) {
  .policy-layout {
    grid-template-columns: 1fr;
  }
  .policy-nav {
    position: static;
  }
}

/* ══════════════════════════════════════════
   POLICY PAGES
══════════════════════════════════════════ */
.policy-content {
  max-width: 820px;
  margin: 0 auto;
}
.policy-content h1 { margin-bottom: 8px; }
.policy-meta {
  font-size: .875rem;
  color: var(--color-text-muted);
  margin-bottom: 36px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.policy-section { margin-bottom: 40px; }
.policy-section h2 {
  font-size: 1.375rem;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--color-light-blue);
}
.policy-section h3 { font-size: 1.125rem; margin: 20px 0 10px; }
.policy-section p  { font-size: .9375rem; margin-bottom: 14px; }
.policy-section ul { margin: 12px 0 16px 20px; list-style: disc; }
.policy-section li { font-size: .9375rem; margin-bottom: 7px; color: var(--color-graphite); }
.policy-toc {
  background: var(--color-off-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  margin-bottom: 40px;
}
.policy-toc h4 { font-size: 1rem; margin-bottom: 14px; }
.policy-toc ol { list-style: decimal; padding-left: 20px; }
.policy-toc li { margin-bottom: 7px; }
.policy-toc a  { font-size: .9rem; color: var(--color-dark-blue); }
.policy-toc a:hover { color: var(--color-gold-dark); }

/* ══════════════════════════════════════════
   SITEMAP
══════════════════════════════════════════ */
.sitemap-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.sitemap-col h3 {
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--color-dark-blue);
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--color-gold);
  display: inline-block;
}
.sitemap-col ul li { margin-bottom: 9px; }
.sitemap-col ul a { font-size: .9375rem; color: var(--color-graphite); display: flex; align-items: center; gap: 6px; }
.sitemap-col ul a::before {
  content: '→';
  font-size: .75rem;
  color: var(--color-gold-dark);
}
.sitemap-col ul a:hover { color: var(--color-dark-blue); }

/* ══════════════════════════════════════════
   404
══════════════════════════════════════════ */
.page-404 {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.page-404 .big-num {
  font-size: 9rem;
  font-weight: 900;
  color: var(--color-gold);
  line-height: 1;
  font-family: var(--font-display);
  opacity: .25;
}
.page-404 h1 { margin-bottom: 14px; }
.page-404 p  { max-width: 420px; margin: 0 auto 28px; }

/* ══════════════════════════════════════════
   ABOUT PAGE
══════════════════════════════════════════ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.team-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background: var(--color-white);
  transition: all var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.team-photo { overflow: hidden; }
.team-photo img { width: 100%; height: 260px; object-fit: cover; transition: transform .4s; }
.team-card:hover .team-photo img { transform: scale(1.04); }
.team-info { padding: 22px; }
.team-info h3 { font-size: 1.0625rem; margin-bottom: 4px; }
.team-info .role {
  font-size: .8125rem;
  font-weight: 600;
  color: var(--color-gold-dark);
  letter-spacing: .04em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.team-info p { font-size: .875rem; margin: 0; }

.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.value-item {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
}
.value-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--color-gold);
  line-height: 1;
  font-family: var(--font-display);
  flex-shrink: 0;
  opacity: .35;
}
.value-text h4 { margin-bottom: 6px; }
.value-text p  { font-size: .9rem; margin: 0; }

/* ══════════════════════════════════════════
   SCROLL TO TOP
══════════════════════════════════════════ */
.scroll-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 44px;
  height: 44px;
  background: var(--color-dark-blue);
  color: var(--color-white);
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  transform: translateY(10px);
  transition: all var(--transition);
  z-index: 999;
}
.scroll-top.visible { opacity: 1; transform: translateY(0); }
.scroll-top:hover { background: var(--color-gold-dark); }
.scroll-top svg { width: 18px; height: 18px; }

/* ══════════════════════════════════════════
   RESPONSIVE
══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .article-single { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .principles-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .about-split     { grid-template-columns: 1fr; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .principles-grid { grid-template-columns: 1fr; }
  .team-grid       { grid-template-columns: repeat(2, 1fr); }
  .values-grid     { grid-template-columns: 1fr; }
  .sitemap-grid    { grid-template-columns: 1fr; }
  .newsletter-form { flex-direction: column; }
  .newsletter-box  { padding: 40px 24px; }
  .hero-content    { padding: 64px 0 52px; }
  .section         { padding: 56px 0; }
  .section-lg      { padding: 72px 0; }
  .footer-grid     { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom   { flex-direction: column; text-align: center; }
  .stats-bar-inner { justify-content: center; }
  .stat-divider    { display: none; }
  .main-nav, .header-cta .btn { display: none; }
  .hamburger { display: flex; }
  .mobile-menu-open .main-nav {
    display: flex;
    flex-direction: column;
    position: fixed;
    inset: 72px 0 0;
    background: var(--color-white);
    padding: 24px;
    overflow-y: auto;
    z-index: 999;
    border-top: 1px solid var(--color-border);
  }
  .mobile-menu-open .main-nav .nav-dropdown {
    position: static;
    opacity: 1;
    pointer-events: all;
    transform: none;
    box-shadow: none;
    border: none;
    background: var(--color-off-white);
    margin-top: 4px;
  }
}

@media (max-width: 480px) {
  .team-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { text-align: center; justify-content: center; }
  .grid-4 { grid-template-columns: 1fr; }
  .calc-box { padding: 24px; }
}