@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Merriweather:ital,wght@0,300;0,400;0,700;1,300&display=swap');

:root {
  --navy: #1a2744;
  --navy-deep: #0f1a30;
  --navy-mid: #2c4a8c;
  --navy-light: #3d5fa0;
  --green: #4caf7d;
  --green-dark: #3a9068;
  --green-light: #e8f5ee;
  --gray-bg: #f4f6f9;
  --gray-light: #e8ecf2;
  --gray-mid: #b0bac8;
  --gray-dark: #6b7a92;
  --text-dark: #1e2d40;
  --text-mid: #4a5568;
  --text-light: #718096;
  --white: #ffffff;
  --border: #dde3ec;
  --shadow-sm: 0 1px 4px rgba(26,39,68,0.07);
  --shadow-md: 0 4px 16px rgba(26,39,68,0.10);
  --shadow-lg: 0 8px 32px rgba(26,39,68,0.13);
  --radius: 10px;
  --radius-lg: 16px;
}

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

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

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ─── TYPOGRAPHY ─── */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', serif;
  color: var(--navy);
  line-height: 1.3;
  font-weight: 700;
}
h1 { font-size: clamp(1.9rem, 4vw, 2.9rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.15rem; }
p { margin-bottom: 1rem; color: var(--text-mid); line-height: 1.75; }
a { color: var(--navy-mid); text-decoration: none; transition: color .2s; }
a:hover { color: var(--green); }
ul, ol { padding-left: 1.5rem; }
li { margin-bottom: .4rem; color: var(--text-mid); line-height: 1.7; }
img { max-width: 100%; height: auto; display: block; }
strong { color: var(--text-dark); }

/* ─── CONTAINERS ─── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 860px; margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 96px 0; }

/* ─── HEADER ─── */
.site-header {
  background: var(--navy-deep);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 2px solid rgba(76,175,125,.25);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--green) 0%, var(--green-dark) 100%);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.logo-text {
  font-family: 'Merriweather', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -.02em;
}
.logo-text span { color: var(--green); }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  font-size: .88rem;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  padding: 6px 13px;
  border-radius: 6px;
  transition: background .2s, color .2s;
  white-space: nowrap;
}
.main-nav a:hover,
.main-nav a.active {
  background: rgba(76,175,125,.18);
  color: var(--green);
}
.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-dropdown-toggle::after {
  content: '▾';
  font-size: .7rem;
  opacity: .7;
}
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--navy);
  border: 1px solid rgba(76,175,125,.2);
  border-radius: var(--radius);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition: all .2s;
  z-index: 100;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  padding: 8px 12px;
  border-radius: 6px;
  font-size: .85rem;
  color: rgba(255,255,255,.8) !important;
}
.nav-dropdown-menu a:hover { background: rgba(76,175,125,.15); color: var(--green) !important; }

.header-cta {
  background: var(--green);
  color: var(--white) !important;
  padding: 8px 18px !important;
  border-radius: 7px;
  font-weight: 600;
}
.header-cta:hover { background: var(--green-dark) !important; color: var(--white) !important; }

.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
}
.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: .3s;
}
.mobile-nav {
  display: none;
  background: var(--navy);
  padding: 16px 24px;
  flex-direction: column;
  gap: 4px;
}
.mobile-nav a {
  display: block;
  padding: 10px 12px;
  color: rgba(255,255,255,.85);
  font-size: .9rem;
  border-radius: 7px;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.mobile-nav a:hover { color: var(--green); background: rgba(76,175,125,.1); }
.mobile-nav.open { display: flex; }

/* ─── HERO ─── */
.hero {
  background: var(--navy-deep);
  padding: 88px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 60% at 80% 50%, rgba(44,74,140,.35) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-content { position: relative; z-index: 1; }
.hero-eyebrow {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 20px;
}
.hero-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(2rem, 4vw, 3.1rem);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 22px;
  font-weight: 700;
}
.hero-title em { color: var(--green); font-style: normal; }
.hero-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,.72);
  line-height: 1.8;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-desc p { color: rgba(255,255,255,.72); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-image-col { position: relative; z-index: 1; }
.hero-img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
  background: var(--navy-mid);
}
.hero-img-wrap img { width: 100%; height: 100%; object-fit: cover; }

.hero-stats {
  display: flex;
  gap: 28px;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.hero-stat { text-align: left; }
.hero-stat-num {
  font-family: 'Merriweather', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--green);
}
.hero-stat-label {
  font-size: .78rem;
  color: rgba(255,255,255,.55);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-top: 2px;
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: 8px;
  font-size: .93rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  line-height: 1;
}
.btn-primary {
  background: var(--green);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--green-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(76,175,125,.35);
}
.btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,.35);
  color: var(--white);
}
.btn-outline:hover {
  border-color: var(--green);
  color: var(--green);
  background: rgba(76,175,125,.08);
}
.btn-navy {
  background: var(--navy-mid);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-light);
  color: var(--white);
  transform: translateY(-1px);
}
.btn-ghost {
  background: transparent;
  color: var(--navy-mid);
  border: 2px solid var(--border);
}
.btn-ghost:hover {
  border-color: var(--navy-mid);
  background: var(--gray-bg);
}
.btn-sm { padding: 8px 18px; font-size: .83rem; }
.btn-lg { padding: 15px 34px; font-size: 1rem; }

/* ─── SECTION HEADER ─── */
.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-eyebrow {
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 12px;
  display: block;
}
.section-title { margin-bottom: 14px; }
.section-desc { font-size: 1rem; color: var(--text-mid); max-width: 580px; }
.section-header.center .section-desc { margin: 0 auto; }
.title-bar {
  width: 48px;
  height: 3px;
  background: var(--green);
  border-radius: 2px;
  margin-top: 14px;
}
.title-bar.center { margin: 14px auto 0; }

/* ─── CARDS ─── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow .25s, transform .25s;
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.card-img { aspect-ratio: 16/9; overflow: hidden; background: var(--gray-bg); }
.card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.card:hover .card-img img { transform: scale(1.03); }
.card-body { padding: 24px; }
.card-cat {
  font-size: .74rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--green);
  margin-bottom: 10px;
}
.card-title { font-size: 1.1rem; margin-bottom: 10px; line-height: 1.4; }
.card-title a { color: var(--navy); }
.card-title a:hover { color: var(--green); }
.card-excerpt { font-size: .9rem; color: var(--text-light); margin-bottom: 16px; line-height: 1.65; }
.card-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: .8rem;
  color: var(--gray-dark);
  border-top: 1px solid var(--gray-light);
  padding-top: 14px;
  margin-top: auto;
}
.card-meta-item { display: flex; align-items: center; gap: 5px; }
.card-meta-icon { width: 14px; height: 14px; opacity: .6; }

/* ─── GRID LAYOUTS ─── */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-2-1 { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; align-items: start; }

/* ─── FEATURED SECTION ─── */
.featured-article {
  background: var(--gray-bg);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--border);
}
.featured-article-img { aspect-ratio: 4/3; overflow: hidden; }
.featured-article-img img { width: 100%; height: 100%; object-fit: cover; }
.featured-article-body { padding: 48px; display: flex; flex-direction: column; justify-content: center; }
.featured-article-body .card-cat { margin-bottom: 14px; }
.featured-article-body h2 { margin-bottom: 16px; }
.featured-article-body p { margin-bottom: 24px; }

/* ─── TOPIC CHIPS ─── */
.topic-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 40px; }
.chip {
  padding: 6px 16px;
  border-radius: 100px;
  font-size: .83rem;
  font-weight: 500;
  background: var(--gray-light);
  color: var(--navy-mid);
  cursor: pointer;
  border: 1px solid transparent;
  transition: all .2s;
  text-decoration: none;
}
.chip:hover, .chip.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.chip-green { background: var(--green-light); color: var(--green-dark); }
.chip-green:hover { background: var(--green); color: var(--white); }

/* ─── SIDEBAR ─── */
.sidebar { display: flex; flex-direction: column; gap: 28px; }
.sidebar-widget {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}
.sidebar-widget-title {
  font-size: .85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--green);
  display: inline-block;
}
.sidebar-list { list-style: none; padding: 0; }
.sidebar-list li {
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-light);
  margin: 0;
}
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list a {
  font-size: .88rem;
  font-weight: 500;
  color: var(--text-dark);
  display: flex;
  align-items: flex-start;
  gap: 8px;
  line-height: 1.4;
}
.sidebar-list a::before {
  content: '→';
  color: var(--green);
  flex-shrink: 0;
  margin-top: 1px;
}
.sidebar-list a:hover { color: var(--green); }

.sidebar-cta {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-align: center;
}
.sidebar-cta h4 { color: var(--white); margin-bottom: 10px; }
.sidebar-cta p { color: rgba(255,255,255,.7); font-size: .88rem; margin-bottom: 18px; }

/* ─── ARTICLE PAGE ─── */
.article-hero {
  background: var(--navy-deep);
  padding: 64px 0 48px;
}
.article-hero-inner { max-width: 860px; margin: 0 auto; padding: 0 24px; }
.article-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 20px;
}
.article-breadcrumb a { color: rgba(255,255,255,.6); }
.article-breadcrumb a:hover { color: var(--green); }
.article-breadcrumb span { color: rgba(255,255,255,.35); }
.article-hero-title {
  color: var(--white);
  margin-bottom: 18px;
  line-height: 1.25;
}
.article-hero-meta {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
  font-size: .85rem;
  color: rgba(255,255,255,.55);
}
.article-hero-meta strong { color: rgba(255,255,255,.8); }

.article-body { padding: 56px 0; }
.article-content { max-width: 820px; }
.article-content h2 {
  font-size: 1.55rem;
  margin-top: 48px;
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gray-light);
}
.article-content h3 { font-size: 1.2rem; margin-top: 32px; margin-bottom: 12px; }
.article-content h4 { font-size: 1.05rem; margin-top: 24px; margin-bottom: 10px; }
.article-content p { font-size: 1.01rem; line-height: 1.85; margin-bottom: 1.2rem; }
.article-content ul, .article-content ol { margin-bottom: 1.2rem; }
.article-content li { font-size: 1rem; line-height: 1.75; margin-bottom: .6rem; color: var(--text-mid); }
.article-content img {
  width: 100%;
  border-radius: var(--radius);
  margin: 28px 0;
  box-shadow: var(--shadow-sm);
}
.article-content blockquote {
  border-left: 4px solid var(--green);
  background: var(--green-light);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 28px 0;
  font-style: italic;
  color: var(--navy);
}
.article-content blockquote p { color: var(--navy); margin-bottom: 0; }
.article-content .callout {
  background: var(--navy-deep);
  color: var(--white);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 28px 0;
}
.article-content .callout h4 { color: var(--green); margin-bottom: 8px; margin-top: 0; }
.article-content .callout p { color: rgba(255,255,255,.78); font-size: .95rem; }
.article-content .callout ul li { color: rgba(255,255,255,.75); }
.article-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 28px 0;
  font-size: .93rem;
}
.article-content table th {
  background: var(--navy);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}
.article-content table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text-mid);
}
.article-content table tr:nth-child(even) td { background: var(--gray-bg); }

/* ─── INFOBOX ─── */
.info-box {
  background: var(--gray-bg);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy-mid);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 24px 0;
}
.info-box-title { font-size: .9rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.info-box p { font-size: .9rem; margin: 0; color: var(--text-mid); }

/* ─── DATA CARDS ─── */
.data-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 32px 0; }
.data-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  border-top: 3px solid var(--green);
}
.data-card-num {
  font-family: 'Merriweather', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.data-card-label { font-size: .82rem; color: var(--text-light); font-weight: 500; }

/* ─── STEPS ─── */
.steps { counter-reset: step-counter; list-style: none; padding: 0; }
.step-item {
  display: flex;
  gap: 20px;
  margin-bottom: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--gray-light);
}
.step-item:last-child { border-bottom: none; margin-bottom: 0; }
.step-num {
  width: 42px;
  height: 42px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  font-weight: 700;
  flex-shrink: 0;
}
.step-body h4 { margin-bottom: 8px; margin-top: 8px; }
.step-body p { margin: 0; font-size: .94rem; }

/* ─── CATEGORIES GRID ─── */
.cat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.cat-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  text-align: center;
  transition: all .25s;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}
.cat-card:hover {
  border-color: var(--green);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.cat-icon {
  width: 52px;
  height: 52px;
  background: var(--green-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.cat-icon svg { width: 26px; height: 26px; color: var(--green-dark); }
.cat-card-title { font-size: .95rem; font-weight: 700; color: var(--navy); margin: 0; }
.cat-card-count { font-size: .8rem; color: var(--text-light); }

/* ─── NEWSLETTER / CTA BAND ─── */
.cta-band {
  background: var(--navy);
  padding: 64px 0;
}
.cta-band-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(255,255,255,.7); }
.newsletter-form { display: flex; gap: 12px; }
.newsletter-input {
  flex: 1;
  padding: 13px 18px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.08);
  color: var(--white);
  font-size: .93rem;
  font-family: 'Inter', sans-serif;
  outline: none;
  transition: border .2s;
}
.newsletter-input::placeholder { color: rgba(255,255,255,.45); }
.newsletter-input:focus { border-color: var(--green); }
.form-note { font-size: .78rem; color: rgba(255,255,255,.45); margin-top: 10px; }

/* ─── ACCORDION (FAQ) ─── */
.accordion { display: flex; flex-direction: column; gap: 10px; }
.acc-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.acc-header {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-family: 'Inter', sans-serif;
  font-size: .97rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  gap: 12px;
  transition: background .2s;
}
.acc-header:hover { background: var(--gray-bg); }
.acc-header.open { background: var(--navy-deep); color: var(--white); }
.acc-arrow {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform .3s;
}
.acc-header.open .acc-arrow { transform: rotate(180deg); }
.acc-body {
  padding: 0 22px;
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s;
}
.acc-body.open {
  max-height: 500px;
  padding: 18px 22px 20px;
}
.acc-body p { font-size: .95rem; margin: 0; }

/* ─── GLOSSARY ─── */
.glossary-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 40px;
}
.glossary-nav a {
  width: 38px;
  height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 7px;
  font-size: .9rem;
  font-weight: 600;
  background: var(--gray-bg);
  color: var(--navy);
  border: 1px solid var(--border);
  transition: all .2s;
}
.glossary-nav a:hover { background: var(--navy); color: var(--white); }
.glossary-section { margin-bottom: 48px; }
.glossary-letter {
  font-family: 'Merriweather', serif;
  font-size: 2rem;
  color: var(--green);
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--green-light);
}
.glossary-item { margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid var(--gray-light); }
.glossary-item:last-child { border-bottom: none; }
.glossary-term { font-weight: 700; color: var(--navy); margin-bottom: 6px; font-size: 1.05rem; }
.glossary-def { font-size: .95rem; color: var(--text-mid); margin: 0; line-height: 1.7; }

/* ─── CALCULATOR ─── */
.calc-wrapper {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.calc-header {
  background: var(--navy);
  padding: 24px 32px;
}
.calc-header h3 { color: var(--white); margin: 0; font-size: 1.15rem; }
.calc-body { padding: 32px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 7px;
}
.form-input {
  width: 100%;
  padding: 11px 15px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: .93rem;
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  transition: border .2s;
  outline: none;
}
.form-input:focus { border-color: var(--navy-mid); }
.form-select {
  width: 100%;
  padding: 11px 15px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: .93rem;
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  cursor: pointer;
}
.calc-results {
  background: var(--navy-deep);
  border-radius: var(--radius);
  padding: 28px;
  margin-top: 24px;
  display: none;
}
.calc-results.show { display: block; }
.calc-results h4 { color: var(--green); margin-bottom: 20px; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.result-item { background: rgba(255,255,255,.07); border-radius: 8px; padding: 16px; }
.result-label { font-size: .8rem; color: rgba(255,255,255,.55); margin-bottom: 6px; }
.result-val { font-family: 'Merriweather', serif; font-size: 1.4rem; font-weight: 700; color: var(--white); }
.result-val.positive { color: var(--green); }
.result-val.negative { color: #e07070; }

/* ─── CONTACT PAGE ─── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 48px;
  align-items: start;
}
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-info-card {
  background: var(--gray-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-info-icon svg { width: 20px; height: 20px; color: var(--green); }
.contact-info-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--text-light); margin-bottom: 4px; font-weight: 600; }
.contact-info-val { font-size: .97rem; font-weight: 600; color: var(--text-dark); }
.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.contact-form-wrap h3 { margin-bottom: 24px; }
.form-textarea {
  width: 100%;
  padding: 12px 15px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: .93rem;
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  resize: vertical;
  min-height: 130px;
  outline: none;
  transition: border .2s;
}
.form-textarea:focus { border-color: var(--navy-mid); }
.form-success {
  display: none;
  background: var(--green-light);
  border: 1px solid var(--green);
  border-radius: var(--radius);
  padding: 18px 22px;
  text-align: center;
  color: var(--green-dark);
  font-weight: 600;
  margin-top: 16px;
}
.form-success.show { display: block; }
.form-consent { font-size: .82rem; color: var(--text-light); margin-top: 10px; }
.form-consent a { color: var(--navy-mid); }

/* ─── CHARTS / VISUALS ─── */
.chart-container {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin: 28px 0;
}
.chart-title { font-size: .9rem; font-weight: 700; color: var(--navy); margin-bottom: 20px; }
.bar-chart { display: flex; flex-direction: column; gap: 12px; }
.bar-row { display: flex; align-items: center; gap: 12px; }
.bar-label { min-width: 140px; font-size: .83rem; color: var(--text-mid); text-align: right; }
.bar-track {
  flex: 1;
  height: 18px;
  background: var(--gray-light);
  border-radius: 100px;
  overflow: hidden;
}
.bar-fill {
  height: 100%;
  background: var(--navy-mid);
  border-radius: 100px;
  transition: width 1s ease;
}
.bar-fill.green { background: var(--green); }
.bar-val { min-width: 50px; font-size: .83rem; font-weight: 700; color: var(--navy); }

.donut-wrap {
  display: flex;
  gap: 32px;
  align-items: center;
  flex-wrap: wrap;
}
.donut-svg { flex-shrink: 0; }
.donut-legend { flex: 1; min-width: 180px; }
.legend-item {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-size: .88rem;
  color: var(--text-mid);
}
.legend-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* ─── PAGE HERO (inner pages) ─── */
.page-hero {
  background: var(--navy-deep);
  padding: 56px 0;
}
.page-hero-title { color: var(--white); margin-bottom: 12px; }
.page-hero-desc { color: rgba(255,255,255,.65); font-size: 1rem; max-width: 600px; }
.page-hero-desc p { color: rgba(255,255,255,.65); }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: rgba(255,255,255,.45);
  margin-bottom: 18px;
}
.breadcrumb a { color: rgba(255,255,255,.6); }
.breadcrumb a:hover { color: var(--green); }

/* ─── TOOLS PAGE ─── */
.tool-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: all .25s;
}
.tool-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--green); }
.tool-icon {
  width: 56px;
  height: 56px;
  background: var(--green-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.tool-icon svg { width: 28px; height: 28px; color: var(--green-dark); }
.tool-title { font-size: 1.1rem; margin: 0; }
.tool-desc { font-size: .88rem; color: var(--text-light); margin: 0; }

/* ─── ABOUT PAGE ─── */
.about-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card {
  background: var(--gray-bg);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  border: 1px solid var(--border);
}
.value-num {
  font-family: 'Merriweather', serif;
  font-size: 2rem;
  color: var(--green);
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1;
}
.value-card h4 { margin-bottom: 10px; }
.value-card p { font-size: .9rem; margin: 0; }

.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.team-card { text-align: center; }
.team-avatar {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 16px;
  border: 3px solid var(--green-light);
  background: var(--gray-bg);
}
.team-avatar img { width: 100%; height: 100%; object-fit: cover; }
.team-name { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-role { font-size: .85rem; color: var(--green-dark); font-weight: 600; }
.team-bio { font-size: .88rem; color: var(--text-light); margin-top: 8px; }

/* ─── GUIDES PAGE ─── */
.guide-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 200px 1fr;
  transition: all .25s;
}
.guide-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.guide-card-img { background: var(--gray-bg); overflow: hidden; }
.guide-card-img img { width: 100%; height: 100%; object-fit: cover; }
.guide-card-body { padding: 24px 28px; }
.guide-level {
  display: inline-flex;
  align-items: center;
  padding: 3px 10px;
  border-radius: 4px;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 10px;
}
.level-beginner { background: var(--green-light); color: var(--green-dark); }
.level-intermediate { background: #fff3e0; color: #e65100; }
.level-advanced { background: #e8eaf6; color: #3949ab; }

/* ─── POLICY PAGES ─── */
.policy-layout { padding: 64px 0; }
.policy-nav {
  background: var(--gray-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  position: sticky;
  top: 90px;
}
.policy-nav-title { font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--navy); margin-bottom: 14px; }
.policy-nav-list { list-style: none; padding: 0; }
.policy-nav-list li { margin: 0; padding: 0; }
.policy-nav-list a {
  display: block;
  padding: 8px 12px;
  font-size: .88rem;
  color: var(--text-mid);
  border-radius: 6px;
  transition: all .2s;
}
.policy-nav-list a:hover { background: var(--navy-deep); color: var(--white); }
.policy-nav-list a.active { background: var(--navy); color: var(--white); }
.policy-content h2 {
  font-size: 1.4rem;
  margin-top: 44px;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gray-light);
}
.policy-content h2:first-child { margin-top: 0; }
.policy-content h3 { font-size: 1.1rem; margin-top: 24px; margin-bottom: 10px; }
.policy-content p { font-size: .97rem; line-height: 1.8; color: var(--text-mid); }
.policy-content ul, .policy-content ol { margin-bottom: 1rem; }
.policy-content li { font-size: .95rem; color: var(--text-mid); }
.policy-date {
  background: var(--green-light);
  border-radius: 6px;
  padding: 10px 16px;
  font-size: .85rem;
  font-weight: 600;
  color: var(--green-dark);
  display: inline-block;
  margin-bottom: 28px;
}

/* ─── FOOTER ─── */
.site-footer {
  background: var(--navy-deep);
  padding: 72px 0 0;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer-brand {}
.footer-brand .logo-text { font-size: 1.2rem; }
.footer-desc { font-size: .88rem; color: rgba(255,255,255,.55); margin-top: 14px; line-height: 1.7; }
.footer-col-title {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--green);
  margin-bottom: 16px;
}
.footer-links { list-style: none; padding: 0; }
.footer-links li { margin-bottom: 8px; padding: 0; }
.footer-links a { font-size: .87rem; color: rgba(255,255,255,.55); transition: color .2s; }
.footer-links a:hover { color: var(--green); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-copy { font-size: .82rem; color: rgba(255,255,255,.4); }
.footer-policy-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-policy-links a { font-size: .82rem; color: rgba(255,255,255,.4); }
.footer-policy-links a:hover { color: var(--green); }

/* ─── MISC ─── */
.divider { border: none; border-top: 1px solid var(--gray-light); margin: 40px 0; }
.text-green { color: var(--green); }
.text-navy { color: var(--navy); }
.text-center { text-align: center; }
.bg-gray { background: var(--gray-bg); }
.bg-navy { background: var(--navy); }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.gap-icon { display: inline-flex; align-items: center; gap: 6px; }

/* ─── BACK TO TOP ─── */
.back-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 44px;
  height: 44px;
  background: var(--navy);
  border: 2px solid var(--green);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transition: all .3s;
  z-index: 900;
  text-decoration: none;
}
.back-top.show { opacity: 1; pointer-events: all; }
.back-top:hover { background: var(--green); color: var(--white); }

/* ─── POLICY PAGES ─── */
.policy-main {
  padding: 48px 0 80px;
}
.policy-header {
  max-width: 820px;
  margin: 0 auto 48px;
  padding-bottom: 32px;
  border-bottom: 2px solid var(--border);
}
.policy-header h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  color: var(--navy-deep);
  margin: 12px 0 10px;
}
.policy-meta {
  font-size: .85rem;
  color: var(--text-light);
  margin: 0;
}
.policy-body {
  max-width: 820px;
  margin: 0 auto;
}
.policy-section {
  margin-bottom: 44px;
}
.policy-section h2 {
  font-size: 1.3rem;
  color: var(--navy-deep);
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.policy-section h3 {
  font-size: 1.05rem;
  color: var(--navy);
  margin: 20px 0 10px;
}
.policy-section p {
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 14px;
}
.policy-section ul, .policy-section ol {
  padding-left: 24px;
  margin-bottom: 14px;
}
.policy-section li {
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 6px;
}
.policy-section a {
  color: var(--navy);
  text-decoration: underline;
}
.policy-section a:hover { color: var(--green); }
.policy-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .88rem;
  margin: 16px 0 20px;
}
.policy-table th {
  background: var(--navy-deep);
  color: var(--white);
  padding: 10px 14px;
  text-align: left;
  font-weight: 600;
  font-size: .82rem;
  letter-spacing: .03em;
  text-transform: uppercase;
}
.policy-table td {
  padding: 10px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--text-mid);
  vertical-align: top;
}
.policy-table tr:nth-child(even) td { background: var(--gray-bg); }

/* ─── ARTICLE LAYOUT ─── */
.article-hero {
  background: var(--gray-bg);
  padding: 48px 0 40px;
  border-bottom: 1px solid var(--border);
}
.article-hero-meta {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 16px;
}
.article-hero-title {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  color: var(--navy-deep);
  max-width: 780px;
  margin-bottom: 18px;
  line-height: 1.25;
}
.article-hero-lead {
  font-size: 1.1rem;
  color: var(--text-light);
  max-width: 740px;
  line-height: 1.65;
  margin: 0;
}
.article-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  padding-top: 48px;
  padding-bottom: 80px;
  align-items: start;
}
.article-content h2 {
  font-size: 1.45rem;
  color: var(--navy-deep);
  margin: 36px 0 14px;
  padding-top: 8px;
}
.article-content h3 {
  font-size: 1.1rem;
  color: var(--navy);
  margin: 24px 0 10px;
}
.article-content p {
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 18px;
  font-size: .97rem;
}
.article-content ul, .article-content ol {
  padding-left: 24px;
  margin-bottom: 18px;
}
.article-content li {
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 6px;
  font-size: .97rem;
}
.article-img-full {
  margin: 0 0 32px;
  border-radius: 10px;
  overflow: hidden;
}
.article-img-full img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}
.insight-box {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  border-left: 4px solid var(--green);
  border-radius: 8px;
  padding: 22px 24px;
  margin: 28px 0;
}
.insight-box h4 {
  color: var(--green);
  font-size: .9rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin: 0 0 8px;
}
.insight-box p {
  color: rgba(255,255,255,.82);
  margin: 0;
  font-size: .95rem;
  line-height: 1.7;
}
.article-nav {
  display: flex;
  gap: 16px;
  justify-content: space-between;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}
.article-sidebar {
  position: sticky;
  top: 90px;
}
.sidebar-widget {
  background: var(--gray-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px;
  margin-bottom: 20px;
}
.sidebar-widget h3 {
  font-size: .9rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--navy-deep);
  margin: 0 0 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--border);
}
.sidebar-links {
  list-style: none;
  padding: 0;
  margin: 0;
}
.sidebar-links li { margin-bottom: 8px; }
.sidebar-links a {
  font-size: .88rem;
  color: var(--navy);
  text-decoration: none;
  display: flex;
  gap: 6px;
  align-items: flex-start;
  line-height: 1.45;
}
.sidebar-links a::before {
  content: '→';
  color: var(--green);
  flex-shrink: 0;
  margin-top: 1px;
}
.sidebar-links a:hover { color: var(--green); }

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
  .grid-4, .data-cards { grid-template-columns: repeat(2, 1fr); }
  .cat-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .hero-grid { gap: 40px; }
}

@media (max-width: 768px) {
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { position: static; }
  .policy-table { font-size: .78rem; }
  .policy-table th, .policy-table td { padding: 8px 10px; }
  .main-nav { display: none; }
  .burger { display: flex; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-image-col { display: none; }
  .hero-stats { gap: 20px; }
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .grid-2-1 { grid-template-columns: 1fr; }
  .featured-article { grid-template-columns: 1fr; }
  .featured-article-img { aspect-ratio: 16/9; }
  .about-hero-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .cta-band-inner { grid-template-columns: 1fr; gap: 28px; }
  .newsletter-form { flex-direction: column; }
  .form-row { grid-template-columns: 1fr; }
  .data-cards { grid-template-columns: repeat(2, 1fr); }
  .guide-card { grid-template-columns: 1fr; }
  .guide-card-img { height: 160px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .section { padding: 48px 0; }
  .page-hero { padding: 40px 0; }
  .hero { padding: 60px 0; }
  .result-grid { grid-template-columns: 1fr; }
  .calc-body { padding: 20px; }
  .contact-form-wrap { padding: 24px; }
}

@media (max-width: 480px) {
  .data-cards { grid-template-columns: 1fr 1fr; }
  .cat-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: 1fr; }
}