:root {
  --navy-950: #0a1834;
  --navy-900: #0f2044;
  --navy-800: #1a3260;
  --navy-700: #284a85;
  --navy-600: #3a63a6;

  --gold-500: #c9941f;
  --gold-400: #e6b53b;
  --gold-300: #f4cf6a;
  --gold-100: #fdf5dd;

  --sage-700: #2f5e49;
  --sage-600: #3d7a5f;
  --sage-100: #e3f0e9;

  --ink: #1a2238;
  --ink-soft: #4a5568;
  --ink-muted: #7d8aa0;
  --line: #e3e8ef;
  --surface: #faf9f5;
  --surface-2: #f3f5f9;
  --white: #ffffff;

  --radius: 14px;
  --radius-lg: 20px;

  --shadow-xs: 0 1px 2px rgba(15,32,68,.04);
  --shadow-sm: 0 1px 3px rgba(15,32,68,.06), 0 1px 2px rgba(15,32,68,.04);
  --shadow-md: 0 6px 20px -4px rgba(15,32,68,.10), 0 2px 6px rgba(15,32,68,.06);
  --shadow-lg: 0 20px 50px -10px rgba(15,32,68,.18), 0 6px 16px rgba(15,32,68,.08);
  --shadow-gold: 0 14px 36px -10px rgba(230,181,59,.45);

  --gradient-navy: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 100%);
  --gradient-hero: radial-gradient(1200px 600px at 75% -10%, rgba(40,74,133,.85) 0%, transparent 60%),
                   linear-gradient(160deg, var(--navy-950) 0%, var(--navy-900) 60%, #142a55 100%);
  --gradient-gold: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-500) 100%);

  --transition: 200ms cubic-bezier(.4,0,.2,1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; -webkit-font-smoothing: antialiased; }
body {
  margin: 0;
  font-family: 'DM Sans', system-ui, -apple-system, sans-serif;
  background: var(--surface);
  color: var(--ink);
  line-height: 1.65;
  font-feature-settings: "ss01","cv11";
}
img { max-width: 100%; display: block; }
h1, h2, h3, h4 { font-family: 'DM Serif Display', Georgia, serif; letter-spacing: -0.01em; line-height: 1.15; margin: 0; }
a { color: inherit; }
::selection { background: rgba(244,207,106,.45); color: var(--navy-950); }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy-900); color: #fff;
  padding: .75rem 1.25rem; border-radius: 8px; z-index: 100;
  text-decoration: none; font-weight: 600;
}
.skip-link:focus { left: 1rem; top: 1rem; }

.container { max-width: 1400px; margin: 0 auto; padding: 0 1.5rem; }
@media (min-width: 768px) { .container { padding: 0 2rem; } }

/* ============== ANNOUNCE BAR ============== */
.announce { background: var(--navy-950); color: rgba(255,255,255,.78); font-size: .78rem; border-bottom: 1px solid rgba(255,255,255,.06); }
.announce-inner { max-width: 1200px; margin: 0 auto; padding: .55rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.announce i { color: var(--gold-400); margin-right: .45rem; }

/* ============== HEADER ============== */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.85); backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid var(--line); }
.header-inner { max-width: 1200px; margin: 0 auto; padding: .9rem 1.5rem; display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: .85rem; text-decoration: none; }
.brand-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--gradient-navy); color: var(--gold-400); display: flex; align-items: center; justify-content: center; font-size: 1.05rem; box-shadow: var(--shadow-sm); }
.brand-text { line-height: 1.05; }
.brand-name { font-family: 'DM Serif Display', serif; font-size: 1.3rem; color: var(--navy-950); }
.brand-name span { color: var(--gold-500); }
.brand-tag { font-size: .7rem; color: var(--ink-muted); text-transform: uppercase; letter-spacing: .12em; margin-top: .2rem; display: block; }

.nav { display: none; align-items: center; gap: .15rem; }
@media (min-width: 1024px) { .nav { display: flex; } }
.nav a { display: inline-flex; align-items: center; gap: .5rem; padding: .55rem .9rem; font-size: .86rem; font-weight: 500; color: var(--ink); text-decoration: none; border-radius: 10px; transition: var(--transition); }
.nav a:hover { color: var(--navy-700); background: var(--surface-2); }
.nav a i { font-size: .72rem; color: var(--gold-500); }
.nav-cta { background: var(--navy-900) !important; color: #fff !important; padding: .6rem 1.1rem !important; margin-left: .6rem; box-shadow: var(--shadow-sm); }
.nav-cta:hover { background: var(--navy-800) !important; transform: translateY(-1px); box-shadow: var(--shadow-md); }
.nav-cta i { color: var(--gold-400) !important; }

.hamburger { display: inline-flex; align-items: center; justify-content: center; width: 42px; height: 42px; border-radius: 10px; background: var(--surface-2); color: var(--navy-900); border: 1px solid var(--line); cursor: pointer; transition: var(--transition); }
.hamburger:hover { background: var(--navy-900); color: #fff; }
@media (min-width: 1024px) { .hamburger { display: none; } }
.mobile-menu { display: none; background: #fff; border-top: 1px solid var(--line); box-shadow: var(--shadow-md); }
.mobile-menu.open { display: block; }
.mobile-menu .inner { max-width: 1200px; margin: 0 auto; padding: 1rem 1.5rem; display: flex; flex-direction: column; gap: .25rem; }
.mobile-menu a { display: flex; align-items: center; gap: .7rem; padding: .85rem .9rem; font-size: .92rem; font-weight: 500; color: var(--ink); text-decoration: none; border-radius: 10px; transition: var(--transition); }
.mobile-menu a:hover { background: var(--surface-2); color: var(--navy-700); }
.mobile-menu a i { color: var(--gold-500); width: 18px; }
.mobile-menu .mob-cta { background: var(--navy-900); color: #fff !important; margin-top: .5rem; justify-content: center; }
.mobile-menu .mob-cta i { color: var(--gold-400); }

/* ============== HERO ============== */
.hero { position: relative; overflow: hidden; background: var(--gradient-hero); color: #fff; padding: 5rem 0 4.5rem; }
.hero-pattern { position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.08) 1px, transparent 1px); background-size: 28px 28px; opacity: .5; pointer-events: none; }
.hero > .container { position: relative; z-index: 1; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: .5rem; padding: .45rem .95rem; border-radius: 999px; background: rgba(255,255,255,.08); border: 1px solid rgba(230,181,59,.35); color: var(--gold-300); font-size: .74rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 1.5rem; }
.hero h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); color: #fff; margin: 0 0 1.25rem; max-width: 900px; }
.hero h1 em { color: var(--gold-300); font-style: italic; }
.hero .lede { font-size: clamp(1.05rem, 1.5vw, 1.18rem); color: rgba(255,255,255,.78); line-height: 1.75; max-width: 760px; margin: 0 0 1.1rem; }
.hero .byline-note { font-size: .88rem; color: rgba(244,207,106,.9); margin: 0 0 2rem; font-style: italic; }
.byline { display: flex; flex-wrap: wrap; align-items: center; gap: .85rem; font-size: .82rem; color: rgba(255,255,255,.6); }
.byline-author { display: flex; align-items: center; gap: .75rem; }
.avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--gradient-gold); color: var(--navy-950); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .78rem; box-shadow: var(--shadow-sm); }
.byline-author strong { color: #fff; display: block; font-weight: 600; font-size: .9rem; }
.byline-author span { color: rgba(255,255,255,.55); font-size: .74rem; }
.byline .sep { color: rgba(255,255,255,.2); }
.byline > span { display: inline-flex; align-items: center; gap: .35rem; }
.byline i { color: var(--gold-400); }
.editorial-badge { padding: .3rem .75rem; border-radius: 999px; background: rgba(61,122,95,.18); border: 1px solid rgba(61,122,95,.4); color: #a3d6b8; font-weight: 600; font-size: .74rem; }

/* ============== HERO IMAGE ============== */
.hero-img-band { margin: -2.5rem auto 0; max-width: 1200px; padding: 0 1.5rem; position: relative; z-index: 2; }
.hero-img-band img { width: 100%; height: clamp(260px, 38vw, 460px); object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow-lg); border: 6px solid #fff; }

/* ============== ARTICLE LAYOUT ============== */
.article-wrap { padding: 4.5rem 0 5rem; }
.article-grid { display: grid; gap: 2.5rem; grid-template-columns: 1fr; }
@media (min-width: 1024px) { .article-grid { grid-template-columns: 240px 1fr 285px; gap: 3rem; } }
.aside-toc, .aside-meta { display: none; }
@media (min-width: 1024px) { .aside-toc, .aside-meta { display: block; position: sticky; top: 100px; align-self: start; } }

.toc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.toc-head { display: flex; align-items: center; gap: .5rem; padding: .95rem 1.1rem; background: var(--gradient-hero); border-bottom: 1px solid var(--line); font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: #f7a813; }
.toc-head i { color: var(--gold-500); }
.toc-card ul { list-style: none; margin: 0; padding: .55rem; display: flex; flex-direction: column; gap: 2px; }
.toc-card a { display: flex; align-items: center; padding: .55rem .75rem; border-radius: 8px; font-size: .85rem; color: var(--ink-soft); text-decoration: none; transition: var(--transition); }
.toc-card a:hover, .toc-card a.active { color: var(--navy-800); background: var(--gold-100); font-weight: 600; }
.toc-card a i { color: var(--gold-500); width: 16px; margin-right: .55rem; font-size: .74rem; }
.toc-card a.sub { padding-left: 2.2rem; font-size: .8rem; }

/* ============== ARTICLE TYPOGRAPHY ============== */
.article { max-width: 100%; }
.disclaimer { background: var(--gold-100); border-left: 4px solid var(--gold-500); border-radius: 10px; padding: 1.1rem 1.25rem; margin-bottom: 2rem; }
.disclaimer p { margin: 0; font-size: .9rem; line-height: 1.7; color: #6b4a14; }
.disclaimer i { color: #b58018; margin-right: .5rem; }
.disclaimer strong { color: #5a3e10; }
.lede-p { font-size: 1.18rem; line-height: 1.8; color: var(--ink-soft); margin: 0 0 2rem; padding-bottom: 1.75rem; border-bottom: 1px solid var(--line); }
.article h2 { font-size: clamp(1.55rem, 2.5vw, 2rem); margin: 3rem 0 1rem; color: var(--navy-950); display: flex; align-items: center; gap: .75rem; }
.h2-icon { display: inline-flex; align-items: center; justify-content: center; width: 38px; height: 38px; border-radius: 10px; background: var(--gold-100); flex-shrink: 0; }
.h2-icon i { color: var(--gold-500); font-size: .95rem; }
.article h3 { font-size: 1.3rem; margin: 2.25rem 0 .85rem; color: var(--navy-900); display: flex; align-items: center; }
.article h3::before { content: ''; display: inline-block; width: 4px; height: 1.1em; background: var(--gold-400); border-radius: 2px; margin-right: .7rem; }
.article p { margin: 0 0 1.15rem; color: var(--ink); font-size: 1.02rem; line-height: 1.78; }
.article ul, .article ol { padding-left: 1.5rem; margin: 0 0 1.35rem; }
.article li { margin-bottom: .55rem; color: var(--ink); line-height: 1.75; }
.article strong { color: var(--navy-950); font-weight: 600; }

/* Callouts */
.callout { border-left: 4px solid; border-radius: 12px; padding: 1.1rem 1.3rem; margin: 1.75rem 0; background: #fff; box-shadow: var(--shadow-xs); }
.callout-blue { background: #eff6ff; border-color: #2563eb; }
.callout-green { background: var(--sage-100); border-color: var(--sage-600); }
.callout-amber { background: var(--gold-100); border-color: var(--gold-500); }
.callout-title { font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: .45rem; display: flex; align-items: center; gap: .5rem; }
.callout-blue .callout-title { color: #1d4ed8; }
.callout-green .callout-title { color: var(--sage-700); }
.callout-amber .callout-title { color: #6b4a14; }
.callout p { margin: 0; font-size: .95rem; line-height: 1.7; color: var(--ink); }

/* Tables */
.table-wrap { overflow-x: auto; margin: 1.75rem 0; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.article table { width: 100%; border-collapse: collapse; font-size: .93rem; background: #fff; }
.article table th { padding: .95rem 1rem; text-align: left; background: var(--navy-950); color: #fff; font-weight: 600; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; }
.article table td { padding: .95rem 1rem; border-bottom: 1px solid var(--line); vertical-align: top; color: var(--ink); }
.article table tr:last-child td { border-bottom: none; }
.article table tr:nth-child(even) td { background: var(--surface-2); }
.badge { display: inline-block; padding: .25rem .7rem; border-radius: 999px; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; white-space: nowrap; }
.badge-green { background: #d1fadf; color: #166534; }
.badge-amber { background: #fef3c7; color: #92400e; }
.badge-red { background: #fee2e2; color: #991b1b; }

/* Stats */
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; margin: 2rem 0; }
@media (min-width: 640px) { .stats-grid { grid-template-columns: repeat(4, 1fr); } }
.stat-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem 1.1rem; text-align: center; transition: var(--transition); box-shadow: var(--shadow-xs); }
.stat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: rgba(230,181,59,.4); }
.stat-num { font-family: 'DM Serif Display', serif; font-size: 2.2rem; color: var(--navy-900); line-height: 1; margin-bottom: .4rem; }
.stat-label { font-size: .82rem; color: var(--ink); font-weight: 600; }
.stat-note { font-size: .72rem; color: var(--ink-muted); margin-top: .25rem; }

/* Ornament */
.ornament { text-align: center; margin: 3rem 0 2rem; color: var(--gold-500); font-size: 1.5rem; position: relative; }
.ornament::before, .ornament::after { content: ''; position: absolute; top: 50%; width: 30%; height: 1px; background: linear-gradient(to right, transparent, var(--line), transparent); }
.ornament::before { left: 0; } .ornament::after { right: 0; }

/* Reactions */
.reactions { display: flex; flex-wrap: wrap; align-items: center; gap: .65rem; padding: 1.25rem; background: var(--surface-2); border-radius: var(--radius); margin: 1.5rem 0; font-size: .9rem; color: var(--ink); }
.reaction-btn { display: inline-flex; align-items: center; gap: .4rem; padding: .55rem 1rem; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: var(--ink); font-size: .85rem; font-weight: 500; cursor: pointer; text-decoration: none; transition: var(--transition); font-family: inherit; }
.reaction-btn:hover { background: var(--navy-900); color: #fff; border-color: var(--navy-900); transform: translateY(-1px); box-shadow: var(--shadow-sm); }

.info-notice { margin-top: 2rem; padding: 1rem 1.25rem; background: var(--surface-2); border-radius: 10px; font-size: .85rem; color: var(--ink-soft); line-height: 1.7; border: 1px solid var(--line); }
.info-notice i { color: var(--navy-700); margin-right: .5rem; }
.info-notice strong { color: var(--navy-900); }

/* ============== ASIDE META ============== */
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); margin-bottom: 1.25rem; overflow: hidden; }
.aside-card-head { display: flex; align-items: center; gap: .5rem; padding: .95rem 1.1rem; background: var(--gradient-hero); border-bottom: 1px solid var(--line); font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: #f7a813; }
.aside-card-head i { color: var(--gold-500); }
.aside-card-body { padding: 1.1rem; }
.aside-card-body .row { display: flex; gap: .7rem; padding: .6rem 0; border-bottom: 1px dashed var(--line); font-size: .82rem; line-height: 1.65; }
.aside-card-body .row:last-child { border-bottom: none; }
.aside-card-body .row i { color: var(--gold-500); margin-top: .2rem; width: 16px; flex-shrink: 0; }
.aside-card-body .row p { margin: 0; color: var(--ink-soft); }
.aside-card-body .row strong { color: var(--navy-900); }

.risk-row { margin-bottom: .9rem; }
.risk-row .lbl { display: flex; justify-content: space-between; font-size: .78rem; margin-bottom: .35rem; color: var(--ink); }
.risk-row .high { color: #c0392b; font-weight: 600; }
.risk-row .med { color: #b58018; font-weight: 600; }
.risk-row .low { color: var(--sage-600); font-weight: 600; }
.risk-track { height: 7px; background: var(--surface-2); border-radius: 999px; overflow: hidden; }
.risk-bar { height: 100%; border-radius: 999px; }
.risk-bar.h { width: 85%; background: linear-gradient(to right, #d64545, #e85d5d); }
.risk-bar.m { width: 50%; background: linear-gradient(to right, #d99a2b, #e8b04a); }
.risk-bar.l { width: 22%; background: linear-gradient(to right, var(--sage-600), #4a9470); }

.aside-cta { background: var(--gradient-navy); color: #fff; border-radius: var(--radius); padding: 1.4rem; margin-bottom: 1.25rem; box-shadow: var(--shadow-md); }
.aside-cta strong { display: flex; align-items: center; gap: .5rem; font-family: 'DM Serif Display', serif; font-size: 1.05rem; margin-bottom: .5rem; color: #f7a813;}
.aside-cta strong i { color: var(--gold-400); }
.aside-cta p { font-size: .85rem; color: rgba(255,255,255,.75); margin: 0 0 1rem; line-height: 1.65; }
.aside-cta a { display: inline-flex; align-items: center; gap: .5rem; background: var(--gold-400); color: var(--navy-950); padding: .65rem 1.1rem; border-radius: 10px; font-weight: 600; font-size: .85rem; text-decoration: none; transition: var(--transition); }
.aside-cta a:hover { background: var(--gold-300); transform: translateY(-1px); box-shadow: var(--shadow-gold); }

.related-list { padding: 0 !important; }
.related-list a { display: flex; flex-direction: column; gap: .35rem; padding: .85rem 1.1rem; border-bottom: 1px solid var(--line); font-size: .86rem; color: var(--navy-900); text-decoration: none; transition: var(--transition); font-weight: 500; }
.related-list a:last-child { border-bottom: none; }
.related-list a:hover { background: var(--surface-2); color: var(--navy-700); }
.related-list .tag { display: inline-flex; align-items: center; gap: .35rem; font-size: .7rem; color: var(--ink-muted); font-weight: 500; }
.related-list .tag i { color: var(--gold-500); }

/* ============== HOW IT WORKS ============== */
.how-it-works { background: var(--navy-950); color: #fff; padding: 6rem 0; position: relative; overflow: hidden; }
.how-it-works::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px); background-size: 32px 32px; }
.how-it-works > .container { position: relative; }
.section-label { color: var(--gold-400); font-size: 20px; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; margin-bottom: .85rem; display: inline-flex; align-items: center; gap: .5rem; }
.how-it-works h2 { font-size: clamp(1.9rem, 3.2vw, 2.75rem); color: #fff; margin-bottom: .85rem; max-width: 720px; }
.how-it-works .subtitle { color: rgba(255,255,255,.7); max-width: 600px; line-height: 1.8; margin: 0 0 3.75rem; font-size: 1.02rem; }
.steps-grid { display: grid; gap: 1.5rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .steps-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .steps-grid { grid-template-columns: repeat(4, 1fr); } }
.step-card { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); border-radius: var(--radius); padding: 1.75rem 1.5rem; transition: var(--transition); backdrop-filter: blur(10px); }
.step-card:hover { background: rgba(255,255,255,.07); border-color: rgba(230,181,59,.45); transform: translateY(-4px); box-shadow: var(--shadow-gold); }
.step-num { width: 48px; height: 48px; border-radius: 12px; background: var(--gradient-gold); color: var(--navy-950); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1.2rem; margin-bottom: 1.25rem; font-family: 'DM Serif Display', serif; box-shadow: 0 8px 20px rgba(230,181,59,.3); }
.step-card h3 { color: #fff; font-size: 1.18rem; margin-bottom: .55rem; }
.step-card p { color: rgba(255,255,255,.65); font-size: .92rem; line-height: 1.75; margin: 0; }

/* ============== WHY SECTION ============== */
.why-section { padding: 6rem 0; background: #fff; }
.section-header { text-align: center; margin-bottom: 4rem; max-width: 720px; margin-left: auto; margin-right: auto; }
.section-label-dark { color: var(--navy-700); font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .22em; margin-bottom: .85rem; display: block; }
.section-header h2 { font-size: clamp(1.9rem, 3.2vw, 2.75rem); margin-bottom: .85rem; color: var(--navy-950); }
.section-header p { color: var(--ink-soft); line-height: 1.8; font-size: 1.02rem; margin: 0; }
.why-grid { display: grid; gap: 1.5rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }
.why-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem 1.75rem; transition: var(--transition); box-shadow: var(--shadow-xs); }
.why-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: rgba(40,74,133,.2); }
.why-icon { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem; font-size: 1.35rem; }
.why-icon-blue { background: #eff6ff; color: #2563eb; }
.why-icon-gold { background: var(--gold-100); color: #b45309; }
.why-icon-green { background: var(--sage-100); color: var(--sage-700); }
.why-icon-purple { background: #f5f3ff; color: #6d28d9; }
.why-icon-red { background: #fff1f2; color: #e11d48; }
.why-icon-teal { background: #f0fdfa; color: #0f766e; }
.why-card h3 { font-size: 1.2rem; margin-bottom: .55rem; color: var(--navy-950); }
.why-card p { color: var(--ink-soft); font-size: .94rem; line-height: 1.75; margin: 0; }

/* ============== BENEFITS ============== */
.benefits-section { padding: 6rem 0; background: var(--surface); }
.benefits-inner { display: grid; gap: 4rem; align-items: center; grid-template-columns: 1fr; }
@media (min-width: 1024px) { .benefits-inner { grid-template-columns: 1fr 1fr; gap: 5rem; } }
.benefits-img-wrap { position: relative; overflow: hidden; border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.benefits-img-wrap img { width: 100%; height: 460px; object-fit: cover; }
.benefits-tag { position: absolute; bottom: 1.25rem; left: 1.25rem; background: rgba(10,24,52,.85); backdrop-filter: blur(10px); color: #fff; padding: .6rem 1rem; border-radius: 10px; font-size: .82rem; font-weight: 500; display: inline-flex; align-items: center; gap: .5rem; }
.benefits-tag i { color: var(--gold-400); }
.benefits-content h2 { font-size: clamp(1.9rem, 3vw, 2.5rem); color: var(--navy-950); }
.benefits-content > p { color: var(--ink-soft); margin: 1rem 0 2rem; line-height: 1.78; font-size: 1.02rem; }
.benefits-list { display: flex; flex-direction: column; gap: 1.5rem; }
.benefit-item { display: flex; gap: 1.1rem; align-items: flex-start; }
.benefit-icon { width: 44px; height: 44px; border-radius: 11px; flex-shrink: 0; background: var(--gold-100); color: #b45309; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
.benefit-item h4 { font-size: 1.05rem; margin: 0 0 .3rem; color: var(--navy-950); }
.benefit-item p { color: var(--ink-soft); font-size: .94rem; margin: 0; line-height: 1.7; }

/* ============== TESTIMONIALS ============== */
.testimonials-section { padding: 6rem 0; background: #fff; }
.testimonials-grid { display: grid; gap: 1.75rem; grid-template-columns: 1fr; }
@media (min-width: 768px) { .testimonials-grid { grid-template-columns: repeat(3, 1fr); } }
.testimonial-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem; transition: var(--transition); position: relative; }
.testimonial-card::before { content: '\201C'; position: absolute; top: .5rem; right: 1.25rem; font-family: 'DM Serif Display', serif; font-size: 4.5rem; color: rgba(230,181,59,.25); line-height: 1; }
.testimonial-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: rgba(230,181,59,.4); }
.stars { color: var(--gold-400); font-size: .92rem; margin-bottom: 1rem; letter-spacing: .1em; }
.testimonial-card blockquote { margin: 0 0 1.5rem; padding: 0; border: none; font-size: .98rem; color: var(--ink); line-height: 1.75; font-style: italic; }
.tc-author { display: flex; align-items: center; gap: .85rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.tc-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--gradient-navy); color: var(--gold-400); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .85rem; }
.tc-name { font-weight: 600; color: var(--navy-950); font-size: .93rem; }
.tc-label { color: var(--ink-muted); font-size: .78rem; }

/* ============== CAPTURE FORM ============== */
.capture-section { padding: 6rem 0; background: var(--gradient-hero); color: #fff; position: relative; overflow: hidden; }
.capture-section::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px); background-size: 28px 28px; }
.capture-inner { position: relative; max-width: 640px; margin: 0 auto; text-align: center; }
.capture-section .section-label { justify-content: center; }
.capture-inner h2 { font-size: clamp(1.9rem, 3vw, 2.6rem); color: #fff; margin-bottom: 1rem; }
.capture-inner .subtitle { color: rgba(255,255,255,.75); margin: 0 0 2.5rem; line-height: 1.75; font-size: 1.02rem; }
.capture-form { background: #fff; padding: 2rem; border-radius: var(--radius); text-align: left; box-shadow: var(--shadow-lg); color: var(--ink); }
.form-row { display: grid; gap: 1rem; grid-template-columns: 1fr; margin-bottom: 1rem; }
@media (min-width: 640px) { .form-row { grid-template-columns: 1fr 1fr; } }
.form-group { display: flex; flex-direction: column; margin-bottom: 1rem; }
.form-group label { font-size: .82rem; font-weight: 600; color: var(--navy-900); margin-bottom: .4rem; }
.form-group input { padding: .75rem .95rem; border: 1px solid var(--line); border-radius: 10px; font-size: .94rem; font-family: inherit; transition: var(--transition); background: var(--surface); }
.form-group input:focus { outline: none; border-color: var(--navy-700); background: #fff; box-shadow: 0 0 0 4px rgba(40,74,133,.12); }
.consent-row { display: flex; gap: .65rem; margin: 1rem 0; align-items: flex-start; }
.consent-row input { margin-top: .25rem; accent-color: var(--navy-900); }
.consent-row label { font-size: .8rem; color: var(--ink-soft); line-height: 1.6; }
.consent-row a { color: var(--navy-700); text-decoration: underline; }
.form-error { color: #c0392b; font-size: .85rem; margin: .5rem 0; display: none; }
.form-error.show { display: block; }
.form-submit { width: 100%; padding: 1rem 1.5rem; background: var(--gradient-navy); color: #fff; border: none; border-radius: 10px; font-size: .98rem; font-weight: 600; cursor: pointer; display: inline-flex; align-items: center; justify-content: center; gap: .6rem; transition: var(--transition); font-family: inherit; }
.form-submit:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.form-submit i { color: var(--gold-400); }
.form-reassure { text-align: center; font-size: .78rem; color: var(--ink-muted); margin-top: 1rem; }
.form-reassure i { color: var(--sage-600); margin-right: .35rem; }
.capture-success { display: none; background: #fff; padding: 2.5rem; border-radius: var(--radius); text-align: center; color: var(--ink); box-shadow: var(--shadow-lg); }
.capture-success.show { display: block; }
.success-check { width: 64px; height: 64px; border-radius: 50%; background: var(--sage-100); color: var(--sage-700); display: flex; align-items: center; justify-content: center; margin: 0 auto 1rem; font-size: 1.6rem; }
.capture-success h3 { font-size: 1.4rem; margin-bottom: .6rem; color: var(--navy-950); }
.capture-success p { color: var(--ink-soft); margin: 0; line-height: 1.7; }

/* ============== FAQ ============== */
.faq-section { padding: 4rem 0; background: var(--surface); }
.faq-grid { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: .85rem; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: var(--transition); }
.faq-item:hover { border-color: rgba(230,181,59,.45); box-shadow: var(--shadow-sm); }
.faq-q { width: 100%; padding: 1.2rem 1.5rem; background: transparent; border: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; font-size: 1rem; font-weight: 600; color: var(--navy-950); text-align: left; font-family: inherit; transition: var(--transition); }
.faq-q:hover { background: var(--surface-2); }
.faq-q i { color: var(--gold-500); transition: transform .3s ease; flex-shrink: 0; margin-left: 1rem; }
.faq-q.open i { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; padding: 0 1.5rem; color: var(--ink-soft); font-size: .95rem; line-height: 1.75; transition: max-height .3s ease, padding .3s ease; }
.faq-a.show { max-height: 500px; padding: 0 1.5rem 1.4rem; }

/* ============== ABOUT ============== */
.about-section { padding: 5rem 0; background: #fff; border-top: 1px solid var(--line); }
.about-section .container { max-width: 760px; }
.about-section h2 { font-size: 2rem; margin: .4rem 0 1.25rem; color: var(--navy-950); }
.about-section p { color: var(--ink-soft); line-height: 1.85; margin-bottom: 1rem; }

/* ============== FOOTER ============== */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,.65); padding-top: 4.5rem; }
.footer-grid { display: grid; gap: 2.5rem; grid-template-columns: 1fr; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.08); }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }
.footer-brand p { font-size: .88rem; line-height: 1.7; margin: 1rem 0; max-width: 320px; }
.footer-brand address { font-style: normal; font-size: .85rem; }
.footer-brand address a { color: var(--gold-400); text-decoration: none; }
.footer-brand address a:hover { color: var(--gold-300); }
.footer-grid h3 { font-family: 'DM Sans', sans-serif; color: #fff; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; margin: 0 0 1.1rem; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .65rem; }
.footer-grid ul a { color: rgba(255,255,255,.6); font-size: .88rem; text-decoration: none; transition: var(--transition); }
.footer-grid ul a:hover { color: var(--gold-400); }
.footer-bottom { padding: 1.5rem 0; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; font-size: .78rem; color: rgba(255,255,255,.5); }
.footer-notice { background: rgba(0,0,0,.3); padding: 1rem 0; font-size: .78rem; color: rgba(255,255,255,.55); }
.footer-notice .container { display: flex; gap: .75rem; align-items: flex-start; }
.notice-icon { width: 24px; height: 24px; border-radius: 50%; background: rgba(230,181,59,.15); color: var(--gold-400); display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: .7rem; }
.footer-notice strong { color: #fff; font-weight: 600; }


/* Responsive css */

/* ===========================================================
   RESPONSIVE FIXES FOR ALL PAGES
   =========================================================== */

/* Tablet & Mobile Base Improvements */
@media (max-width: 1024px) {
  .container {
    padding: 0 1.5rem;
  }
  
  .article-grid {
    gap: 2rem;
  }
}

/* Tablet Landscape (992px and below) */
@media (max-width: 992px) {
  /* Hero adjustments */
  .hero {
    padding: 3rem 0 2.5rem;
  }
  
  .hero h1 {
    font-size: 2.2rem;
  }
  
  .hero .lede {
    font-size: 1rem;
  }
  
  .hero-img-band {
    margin: -1.5rem auto 0;
    padding: 0 1rem;
  }
  
  .hero-img-band img {
    height: clamp(200px, 30vw, 320px);
  }
  
  /* Stats grid */
  .stats-grid {
    gap: 0.875rem;
  }
  
  .stat-card {
    padding: 1rem 0.75rem;
  }
  
  .stat-num {
    font-size: 1.8rem;
  }
  
  /* Tables - horizontal scroll already handled by table-wrap */
  .table-wrap {
    margin: 1.5rem 0;
  }
  
  /* FAQ section */
  .faq-grid {
    max-width: 100%;
  }
}

/* Tablet Portrait (768px to 1023px) */
@media (max-width: 768px) {
  /* Typography */
  body {
    font-size: 15px;
  }
  
  h1 {
    font-size: 1.8rem;
  }
  
  h2 {
    font-size: 1.5rem;
  }
  
  h3 {
    font-size: 1.2rem;
  }
  
  /* Container padding */
  .container {
    padding: 0 1.25rem;
  }
  
  /* Header */
  .header-inner {
    padding: 0.75rem 1.25rem;
  }
  
  .brand-icon {
    width: 38px;
    height: 38px;
    font-size: 0.9rem;
  }
  
  .brand-name {
    font-size: 1.1rem;
  }
  
  .brand-tag {
    font-size: 0.6rem;
  }
  
  /* Hero */
  .hero-eyebrow {
    font-size: 0.7rem;
    padding: 0.35rem 0.8rem;
    margin-bottom: 1rem;
  }
  
  .hero h1 {
    font-size: 1.8rem;
    margin-bottom: 0.75rem;
  }
  
  .hero .lede {
    font-size: 0.95rem;
  }
  
  .byline {
    font-size: 0.75rem;
    gap: 0.5rem;
  }
  
  .avatar {
    width: 32px;
    height: 32px;
    font-size: 0.7rem;
  }
  
  .byline-author strong {
    font-size: 0.8rem;
  }
  
  .byline-author span {
    font-size: 0.65rem;
  }
  
  .sep {
    display: none;
  }
  
  .byline {
	flex-wrap: wrap;
	margin-bottom: 20px;
}
  
  /* Stats grid - 2 columns on tablet */
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
  }
  
  /* Article spacing */
  .article-wrap {
    padding: 2.5rem 0 3rem;
  }
  
  .lede-p {
    font-size: 1rem;
    margin-bottom: 1.5rem;
    padding-bottom: 1rem;
  }
  
  .article p {
    font-size: 0.95rem;
    line-height: 1.7;
  }
  
  .article h2 {
    font-size: 1.4rem;
    margin: 2rem 0 0.75rem;
  }
  
  .article h3 {
    font-size: 1.15rem;
    margin: 1.5rem 0 0.6rem;
  }
  
  .h2-icon {
    width: 32px;
    height: 32px;
  }
  
  .h2-icon i {
    font-size: 0.8rem;
  }
  
  /* Callouts */
  .callout {
    padding: 0.9rem 1rem;
    margin: 1.25rem 0;
  }
  
  .callout p {
    font-size: 0.88rem;
  }
  
  .callout-title {
    font-size: 0.75rem;
  }
  
  /* Tables */
  .article table th,
  .article table td {
    padding: 0.7rem 0.8rem;
    font-size: 0.85rem;
  }
  
  .badge {
    padding: 0.2rem 0.5rem;
    font-size: 0.65rem;
  }
  
  /* How It Works section */
  .how-it-works {
    padding: 3rem 0;
  }
  
  .steps-grid {
    gap: 1rem;
  }
  
  .step-card {
    padding: 1.25rem 1rem;
  }
  
  .step-num {
    width: 40px;
    height: 40px;
    font-size: 1rem;
    margin-bottom: 0.75rem;
  }
  
  .step-card h3 {
    font-size: 1rem;
  }
  
  .step-card p {
    font-size: 0.85rem;
  }
  
  /* Why section */
  .why-section,
  .benefits-section,
  .testimonials-section,
  .faq-section {
    padding: 3rem 0;
  }
  
  .section-header {
    margin-bottom: 2rem;
  }
  
  .section-header h2 {
    font-size: 1.6rem;
  }
  
  .section-header p {
    font-size: 0.9rem;
  }
  
  .why-card {
    padding: 1.25rem;
  }
  
  .why-icon {
    width: 48px;
    height: 48px;
    font-size: 1.1rem;
  }
  
  .why-card h3 {
    font-size: 1rem;
  }
  
  .why-card p {
    font-size: 0.85rem;
  }
  
  /* Benefits section */
  .benefits-inner {
    gap: 2rem;
  }
  
  .benefits-img-wrap img {
    height: 300px;
  }
  
  .benefits-content h2 {
    font-size: 1.6rem;
  }
  
  .benefit-item {
    gap: 0.75rem;
  }
  
  .benefit-icon {
    width: 36px;
    height: 36px;
  }
  
  .benefit-item h4 {
    font-size: 0.95rem;
  }
  
  .benefit-item p {
    font-size: 0.85rem;
  }
  
  /* Testimonials */
  .testimonials-grid {
    gap: 1rem;
  }
  
  .testimonial-card {
    padding: 1.25rem;
  }
  
  .testimonial-card blockquote {
    font-size: 0.9rem;
  }
  
  /* Capture form */
  .capture-section {
    padding: 3rem 0;
  }
  
  .capture-form {
    padding: 1.25rem;
  }
  
  .form-group input,
  .form-group textarea {
    padding: 0.7rem 0.85rem;
    font-size: 0.9rem;
  }
  
  .form-submit {
    padding: 0.85rem 1.25rem;
    font-size: 0.9rem;
  }
  
  /* FAQ */
  .faq-q {
    padding: 0.9rem 1rem;
    font-size: 0.9rem;
  }
  
  .faq-a.show {
    padding: 0 1rem 1rem;
    font-size: 0.88rem;
  }
  
  /* Legal pages (privacy, terms, disclaimer) */
  .page-hero {
    padding: 2rem 0;
  }
  
  .page-hero h1 {
    font-size: 1.6rem;
  }
  
  .legal-content {
    padding: 2rem 0;
  }
  
  .legal-content h2 {
    font-size: 1.3rem;
    margin: 1.5rem 0 0.75rem;
  }
  
  .legal-content h3 {
    font-size: 1rem;
  }
  
  .legal-content p,
  .legal-content li {
    font-size: 0.92rem;
  }
  
  /* Contact page */
  .contact-section {
    padding: 2rem 0;
  }
  
  .contact-card {
    padding: 1.25rem;
  }
  
  .contact-card h3 {
    font-size: 1rem;
  }
  
  .contact-method {
    padding: 0.75rem 0;
  }
  
  .contact-method i {
    width: 28px;
    height: 28px;
  }
  
  .btn-submit {
    padding: 0.85rem 1.25rem;
    font-size: 0.9rem;
  }
  
  /* Footer */
  .site-footer {
    padding: 2rem 0 1.5rem;
  }
  
  .footer-grid {
    gap: 1.5rem;
    margin-bottom: 1.5rem;
  }
  
  .footer-brand p {
    font-size: 0.85rem;
  }
  
  .footer-grid h3 {
    font-size: 0.7rem;
    margin-bottom: 0.75rem;
  }
  
  .footer-grid ul a {
    font-size: 0.82rem;
  }
  
  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 0.5rem;
    font-size: 0.7rem;
  }
  
  .footer-notice .container {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }
}

/* Mobile (480px and below) */
@media (max-width: 480px) {
  /* Base */
  .container {
    padding: 0 1rem;
  }
  
  body {
    font-size: 14px;
  }
  
  /* Header */
  .header-inner {
    padding: 0.6rem 1rem;
  }
  
  .brand-icon {
    width: 34px;
    height: 34px;
    font-size: 0.8rem;
  }
  
  .brand-name {
    font-size: 1rem;
  }
  
  .brand-tag {
    font-size: 0.55rem;
  }
  
  .hamburger {
    width: 36px;
    height: 36px;
    font-size: 0.85rem;
  }
  
  /* Hero */
  .hero {
    padding: 2rem 0 1.5rem;
  }
  
  .hero-eyebrow {
    font-size: 0.65rem;
    padding: 0.25rem 0.6rem;
  }
  
  .hero h1 {
    font-size: 1.5rem;
  }
  
  .hero .lede {
    font-size: 0.9rem;
    line-height: 1.6;
  }
  
  .hero .byline-note {
    font-size: 0.8rem;
    margin-bottom: 1rem;
  }
  
  .byline-author {
    width: 100%;
  }
  
  .byline > span:not(.byline-author) {
    font-size: 0.7rem;
  }
  
  .hero-img-band img {
    height: 180px;
    border-width: 3px;
  }
  
  /* Stats grid - single column on mobile */
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.625rem;
  }
  
  .stat-card {
    padding: 0.875rem 0.5rem;
  }
  
  .stat-num {
    font-size: 1.5rem;
  }
  
  .stat-label {
    font-size: 0.7rem;
  }
  
  .stat-note {
    font-size: 0.6rem;
  }
  
  /* Article */
  .article-wrap {
    padding: 1.5rem 0 2rem;
  }
  
  .lede-p {
    font-size: 0.95rem;
  }
  
  .article p {
    font-size: 0.9rem;
  }
  
  .article h2 {
    font-size: 1.25rem;
    gap: 0.5rem;
  }
  
  .article h3 {
    font-size: 1rem;
  }
  
  .h2-icon {
    width: 28px;
    height: 28px;
  }
  
  .h2-icon i {
    font-size: 0.7rem;
  }
  
  /* Tables - extra small */
  .article table th,
  .article table td {
    padding: 0.5rem 0.6rem;
    font-size: 0.75rem;
  }
  
  .badge {
    padding: 0.15rem 0.4rem;
    font-size: 0.6rem;
  }
  
  /* Callouts */
  .callout {
    padding: 0.75rem 0.875rem;
  }
  
  .callout p {
    font-size: 0.82rem;
  }
  
  /* Steps grid - single column */
  .steps-grid {
    grid-template-columns: 1fr;
  }
  
  /* Why grid - single column */
  .why-grid {
    grid-template-columns: 1fr;
  }
  
  /* Benefits grid */
  .benefits-list {
    gap: 1rem;
  }
  
  /* Testimonials grid - single column */
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  
  /* Footer grid - single column */
  .footer-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
  
  .footer-brand {
    text-align: center;
  }
  
  .footer-brand p {
    max-width: 100%;
  }
  
  .footer-brand .brand {
    justify-content: center;
  }
  
  /* FAQ */
  .faq-q {
    padding: 0.75rem;
    font-size: 0.85rem;
  }
  
  .faq-a.show {
    padding: 0 0.75rem 0.75rem;
    font-size: 0.85rem;
  }
  
  /* Legal pages - list padding */
  .legal-content ul,
  .legal-content ol {
    padding-left: 1.25rem;
  }
  
  .legal-content li {
    margin-bottom: 0.4rem;
  }
  
  /* Contact grid - single column */
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  
  .contact-method {
    flex-direction: column;
    text-align: center;
    gap: 0.5rem;
  }
  
  .contact-method i {
    margin: 0 auto;
  }
  
  .contact-card h3 {
    justify-content: center;
  }
  
  /* Form */
  .form-row {
    grid-template-columns: 1fr;
    gap: 0.75rem;
  }
  
  .btn-submit {
    width: 100%;
  }
  
  /* Ornament */
  .ornament {
    margin: 2rem 0 1.5rem;
    font-size: 1.2rem;
  }
  
  /* Reactions */
  .reactions {
    flex-direction: column;
    align-items: stretch;
  }
  
  .reaction-btn {
    justify-content: center;
  }
}

/* Extra small devices (375px and below) */
@media (max-width: 375px) {
  .hero h1 {
    font-size: 1.35rem;
  }
  
  .stat-num {
    font-size: 1.3rem;
  }
  
  .article table th,
  .article table td {
    padding: 0.4rem 0.4rem;
    font-size: 0.7rem;
  }
  
  .brand-name {
    font-size: 0.9rem;
  }
  
  .brand-icon {
    width: 30px;
    height: 30px;
  }
  
  .container {
    padding: 0 0.875rem;
  }
}

/* Fix for iOS safari 100vh issue */
@supports (-webkit-touch-callout: none) {
  .hero,
  .page-hero {
    min-height: -webkit-fill-available;
  }
}

/* Print styles - maintain readability */
@media print {
  .site-header,
  .hamburger,
  .mobile-menu,
  .announce,
  .aside-toc,
  .aside-meta,
  .footer-notice,
  .reactions,
  .capture-section,
  .site-footer {
    display: none !important;
  }
  
  body {
    background: white;
    color: black;
    font-size: 12pt;
  }
  
  .container {
    padding: 0;
    max-width: 100%;
  }
  
  .hero {
    background: none;
    color: black;
    padding: 1rem 0;
  }
  
  .hero h1 {
    color: black;
  }
  
  a {
    text-decoration: none;
    color: black;
  }
  
  .article {
    width: 100%;
  }
}