/* ============================================================
   Tribune — Personal Finance & Capital Management
   Main Stylesheet
   Color Palette:
     White:        #FFFFFF
     Deep Blue:    #0D2B5E
     Medium Blue:  #1A4B8C
     Sky Blue:     #E8F0FE
     Gold:         #C8A951
     Light Gold:   #FDF6E3
     Gray Text:    #4B5563
     Light Gray:   #F7F9FC
     Border:       #DDE3EE
   ============================================================ */

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

/* ─── Reset & Base ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  color: #1A1A2E;
  background: #FFFFFF;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ─── Typography ─────────────────────────────────────────── */
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.25;
  color: #0D2B5E;
}

h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; font-family: 'Inter', sans-serif; font-weight: 700; }

p { margin-bottom: 1rem; color: #4B5563; line-height: 1.75; }
p:last-child { margin-bottom: 0; }

strong { font-weight: 600; color: #0D2B5E; }

/* ─── Layout Utilities ───────────────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--narrow {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 100px 0; }

.section-header {
  margin-bottom: 56px;
  text-align: center;
}

.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto;
}

.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #C8A951;
  margin-bottom: 12px;
}

/* ─── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 6px;
  transition: all 0.22s ease;
  letter-spacing: 0.02em;
}

.btn--primary {
  background: #0D2B5E;
  color: #FFFFFF;
}
.btn--primary:hover { background: #1A4B8C; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(13,43,94,0.22); }

.btn--gold {
  background: #C8A951;
  color: #0D2B5E;
}
.btn--gold:hover { background: #b8983e; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,169,81,0.35); }

.btn--outline {
  border: 2px solid #0D2B5E;
  color: #0D2B5E;
  background: transparent;
}
.btn--outline:hover { background: #0D2B5E; color: #fff; }

.btn--outline-white {
  border: 2px solid rgba(255,255,255,0.6);
  color: #fff;
  background: transparent;
}
.btn--outline-white:hover { background: rgba(255,255,255,0.15); }

.btn--sm { padding: 10px 20px; font-size: 0.83rem; }
.btn--lg { padding: 18px 36px; font-size: 1rem; }

/* ─── Header / Navigation ─────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #FFFFFF;
  border-bottom: 1px solid #DDE3EE;
  box-shadow: 0 2px 16px rgba(13,43,94,0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-mark {
  width: 38px;
  height: 38px;
  background: #0D2B5E;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-mark span {
  color: #C8A951;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.1rem;
}

.logo-text {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: #0D2B5E;
  letter-spacing: -0.01em;
}

.logo-text span { color: #C8A951; }

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-menu a {
  padding: 8px 14px;
  font-size: 0.87rem;
  font-weight: 500;
  color: #4B5563;
  border-radius: 6px;
  transition: all 0.18s;
}

.nav-menu a:hover,
.nav-menu a.active { color: #0D2B5E; background: #E8F0FE; }

.nav-cta {
  margin-left: 8px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}

.hamburger span {
  width: 24px;
  height: 2px;
  background: #0D2B5E;
  transition: all 0.3s;
  display: block;
}

/* ─── Mobile Nav ─────────────────────────────────────────── */
.mobile-nav {
  display: none;
  background: #fff;
  border-top: 1px solid #DDE3EE;
  padding: 16px 24px;
}

.mobile-nav.open { display: block; }

.mobile-nav a {
  display: block;
  padding: 12px 0;
  font-weight: 500;
  color: #4B5563;
  border-bottom: 1px solid #F0F4FB;
  font-size: 0.95rem;
}

.mobile-nav a:hover { color: #0D2B5E; }

/* ─── Hero ────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, #0D2B5E 0%, #1A4B8C 60%, #0D2B5E 100%);
  color: #fff;
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(200,169,81,0.06);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -5%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  pointer-events: none;
}

.hero-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content {}

.hero-eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #C8A951;
  margin-bottom: 20px;
}

.hero h1 {
  color: #fff;
  margin-bottom: 24px;
}

.hero-lead {
  font-size: 1.1rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.82);
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}

.hero-stat-value {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: #C8A951;
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.3;
}

.hero-visual {
  position: relative;
}

.hero-img-wrap {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 32px 80px rgba(0,0,0,0.3);
  aspect-ratio: 4/3;
  background: #1A4B8C;
}

.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-card {
  position: absolute;
  background: #fff;
  border-radius: 12px;
  padding: 16px 20px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.18);
}

.hero-card--tl {
  top: -20px;
  left: -20px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.hero-card--br {
  bottom: -20px;
  right: -20px;
}

.hcard-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: #E8F0FE;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hcard-icon svg { color: #0D2B5E; }

.hcard-label { font-size: 0.7rem; color: #9CA3AF; margin-bottom: 2px; font-weight: 500; }
.hcard-val { font-size: 0.95rem; font-weight: 700; color: #0D2B5E; }

.hcard-chart {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 32px;
  margin-bottom: 6px;
}

.hcard-bar {
  width: 8px;
  border-radius: 2px;
  background: #C8A951;
  opacity: 0.4;
}
.hcard-bar.active { opacity: 1; }

/* ─── Card Components ─────────────────────────────────────── */
.card {
  background: #fff;
  border: 1px solid #DDE3EE;
  border-radius: 12px;
  transition: all 0.22s ease;
}

.card:hover {
  border-color: #1A4B8C;
  box-shadow: 0 12px 40px rgba(13,43,94,0.1);
  transform: translateY(-3px);
}

.card-img {
  border-radius: 12px 12px 0 0;
  overflow: hidden;
  aspect-ratio: 16/9;
  background: #E8F0FE;
}

.card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.card:hover .card-img img { transform: scale(1.04); }

.card-body { padding: 24px; }

.card-category {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #C8A951;
  margin-bottom: 8px;
  display: block;
}

.card-title {
  font-size: 1.1rem;
  font-weight: 700;
  font-family: 'Playfair Display', serif;
  color: #0D2B5E;
  margin-bottom: 10px;
  line-height: 1.35;
}

.card-excerpt { font-size: 0.88rem; color: #6B7280; margin-bottom: 16px; }

.card-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.78rem;
  color: #9CA3AF;
  padding-top: 14px;
  border-top: 1px solid #F0F4FB;
}

.card-meta span { display: flex; align-items: center; gap: 4px; }

/* ─── Article Cards Grid ─────────────────────────────────── */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.articles-grid--2col {
  grid-template-columns: repeat(2, 1fr);
}

/* ─── Feature Blocks ─────────────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature-card {
  background: #F7F9FC;
  border: 1px solid #E8F0FE;
  border-radius: 12px;
  padding: 32px 28px;
  transition: all 0.22s;
}

.feature-card:hover {
  background: #fff;
  border-color: #1A4B8C;
  box-shadow: 0 8px 30px rgba(13,43,94,0.08);
}

.feature-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: #0D2B5E;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.feature-icon svg { color: #C8A951; }

.feature-card h3 { font-size: 1.1rem; margin-bottom: 10px; font-family: 'Inter', sans-serif; }
.feature-card p { font-size: 0.88rem; margin: 0; }

/* ─── Stats Bar ──────────────────────────────────────────── */
.stats-bar {
  background: #0D2B5E;
  padding: 48px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}

.stat-item {}
.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: #C8A951;
  line-height: 1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

.stat-divider {
  width: 1px;
  background: rgba(255,255,255,0.1);
}

/* ─── Topic Categories ───────────────────────────────────── */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.topic-tile {
  padding: 28px 24px;
  border-radius: 12px;
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  text-align: center;
  transition: all 0.22s;
  display: block;
}

.topic-tile:hover {
  background: #0D2B5E;
  border-color: #0D2B5E;
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(13,43,94,0.18);
}

.topic-tile:hover .topic-icon,
.topic-tile:hover h4,
.topic-tile:hover p { color: #fff; }

.topic-icon {
  font-size: 2rem;
  margin-bottom: 14px;
  display: block;
  color: #0D2B5E;
  transition: color 0.22s;
}

.topic-tile h4 {
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  margin-bottom: 6px;
  transition: color 0.22s;
}

.topic-tile p {
  font-size: 0.8rem;
  margin: 0;
  transition: color 0.22s;
}

/* ─── CTA Banner ────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, #0D2B5E, #1A4B8C);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.cta-banner h2 { color: #fff; margin-bottom: 16px; position: relative; }
.cta-banner p { color: rgba(255,255,255,0.8); font-size: 1.05rem; margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; position: relative; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; position: relative; }

/* ─── Newsletter ─────────────────────────────────────────── */
.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 520px;
  margin: 0 auto;
}

.newsletter-form input[type="email"] {
  flex: 1;
  padding: 14px 18px;
  border: 2px solid rgba(255,255,255,0.25);
  border-radius: 6px;
  background: rgba(255,255,255,0.1);
  color: #fff;
  font-size: 0.9rem;
  font-family: 'Inter', sans-serif;
  outline: none;
}

.newsletter-form input[type="email"]::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input[type="email"]:focus { border-color: #C8A951; }

/* ─── Page Hero (Inner) ──────────────────────────────────── */
.page-hero {
  background: #F7F9FC;
  border-bottom: 1px solid #DDE3EE;
  padding: 56px 0;
}

.page-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 14px; }
.page-hero .breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: #9CA3AF; margin-bottom: 16px; }
.page-hero .breadcrumb a { color: #6B7280; }
.page-hero .breadcrumb a:hover { color: #0D2B5E; }
.page-hero .breadcrumb span { color: #0D2B5E; font-weight: 500; }

.page-hero--blue {
  background: linear-gradient(135deg, #0D2B5E 0%, #1A4B8C 100%);
}
.page-hero--blue h1 { color: #fff; }
.page-hero--blue p { color: rgba(255,255,255,0.8); }
.page-hero--blue .breadcrumb,
.page-hero--blue .breadcrumb a { color: rgba(255,255,255,0.6); }

/* ─── Article Layout ─────────────────────────────────────── */
.article-layout {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px;
  padding: 56px 0;
}

.article-content { min-width: 0; }

.article-hero-img {
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 36px;
  aspect-ratio: 16/9;
  background: #E8F0FE;
}

.article-hero-img img { width: 100%; height: 100%; object-fit: cover; }

.article-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
}

.article-meta-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  color: #9CA3AF;
}

.article-tag {
  background: #E8F0FE;
  color: #0D2B5E;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
}

.article-body h2 { font-size: 1.55rem; margin: 36px 0 14px; }
.article-body h3 { font-size: 1.2rem; margin: 28px 0 10px; }
.article-body ul, .article-body ol { margin: 0 0 20px 0; padding-left: 0; }
.article-body li {
  font-size: 0.95rem;
  color: #4B5563;
  padding: 6px 0 6px 24px;
  position: relative;
  border-bottom: 1px solid #F0F4FB;
}
.article-body li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #C8A951;
  transform: translateY(-50%);
}

.article-body blockquote {
  border-left: 4px solid #C8A951;
  background: #FDF6E3;
  padding: 20px 24px;
  border-radius: 0 8px 8px 0;
  margin: 24px 0;
}

.article-body blockquote p {
  font-size: 1.05rem;
  font-style: italic;
  color: #0D2B5E;
  margin: 0;
}

.key-takeaways {
  background: #E8F0FE;
  border: 1px solid #C8D9F0;
  border-radius: 12px;
  padding: 28px 32px;
  margin: 32px 0;
}

.key-takeaways h4 { font-size: 0.85rem; letter-spacing: 0.1em; text-transform: uppercase; color: #0D2B5E; margin-bottom: 16px; }

.key-takeaways li {
  border: none !important;
  padding-left: 22px !important;
  font-size: 0.92rem !important;
}

/* ─── Sidebar ────────────────────────────────────────────── */
.sidebar {}

.sidebar-widget {
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  border-radius: 12px;
  padding: 24px;
  margin-bottom: 24px;
}

.sidebar-widget h4 {
  font-size: 0.85rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #9CA3AF;
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 1px solid #DDE3EE;
}

.sidebar-article {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 12px 0;
  border-bottom: 1px solid #F0F4FB;
}

.sidebar-article:last-child { border-bottom: none; padding-bottom: 0; }

.sidebar-article-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: #DDE3EE;
  line-height: 1;
  flex-shrink: 0;
  width: 28px;
}

.sidebar-article-title {
  font-size: 0.85rem;
  font-weight: 600;
  color: #0D2B5E;
  line-height: 1.4;
}

.sidebar-article-title:hover { color: #1A4B8C; }

.sidebar-tag {
  display: inline-block;
  background: #E8F0FE;
  color: #1A4B8C;
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 500;
  margin: 4px;
  transition: all 0.18s;
}
.sidebar-tag:hover { background: #0D2B5E; color: #fff; }

/* ─── Tools / Calculators ────────────────────────────────── */
.calculator-card {
  background: #fff;
  border: 1px solid #DDE3EE;
  border-radius: 14px;
  padding: 36px;
  box-shadow: 0 4px 20px rgba(13,43,94,0.06);
}

.calculator-card h3 { margin-bottom: 8px; }
.calculator-card > p { margin-bottom: 28px; }

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #374151;
  margin-bottom: 7px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid #DDE3EE;
  border-radius: 8px;
  font-size: 0.9rem;
  font-family: 'Inter', sans-serif;
  color: #1A1A2E;
  background: #fff;
  transition: border-color 0.18s;
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: #0D2B5E;
  box-shadow: 0 0 0 3px rgba(13,43,94,0.07);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.calc-result {
  background: #0D2B5E;
  border-radius: 10px;
  padding: 24px;
  margin-top: 24px;
  display: none;
}

.calc-result.visible { display: block; }

.calc-result-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); margin-bottom: 4px; }
.calc-result-value {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: #C8A951;
  line-height: 1.2;
}

.calc-result-note { font-size: 0.78rem; color: rgba(255,255,255,0.55); margin-top: 10px; }

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

/* ─── Glossary ───────────────────────────────────────────── */
.glossary-search-wrap {
  max-width: 560px;
  margin: 0 auto 48px;
  position: relative;
}

.glossary-search-wrap input {
  width: 100%;
  padding: 14px 20px 14px 48px;
  border: 2px solid #DDE3EE;
  border-radius: 50px;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  outline: none;
  transition: border-color 0.18s;
}

.glossary-search-wrap input:focus { border-color: #0D2B5E; }

.glossary-search-icon {
  position: absolute;
  left: 17px;
  top: 50%;
  transform: translateY(-50%);
  color: #9CA3AF;
}

.alpha-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  justify-content: center;
  margin-bottom: 40px;
}

.alpha-btn {
  width: 36px;
  height: 36px;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: #4B5563;
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  transition: all 0.18s;
  display: flex;
  align-items: center;
  justify-content: center;
}
.alpha-btn:hover,
.alpha-btn.active { background: #0D2B5E; color: #fff; border-color: #0D2B5E; }

.glossary-section { margin-bottom: 40px; }

.glossary-letter {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: #C8A951;
  padding-bottom: 10px;
  border-bottom: 2px solid #DDE3EE;
  margin-bottom: 20px;
}

.glossary-term {
  padding: 18px 0;
  border-bottom: 1px solid #F0F4FB;
}

.glossary-term:last-child { border-bottom: none; }

.glossary-term-name {
  font-size: 1rem;
  font-weight: 700;
  color: #0D2B5E;
  margin-bottom: 6px;
}

.glossary-term-def {
  font-size: 0.9rem;
  color: #4B5563;
  line-height: 1.6;
  margin: 0;
}

/* ─── FAQ ────────────────────────────────────────────────── */
.faq-list { max-width: 800px; margin: 0 auto; }

.faq-item {
  border: 1px solid #DDE3EE;
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}

.faq-item.open { box-shadow: 0 4px 20px rgba(13,43,94,0.08); }

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: #fff;
  font-size: 0.97rem;
  font-weight: 600;
  color: #0D2B5E;
  text-align: left;
  gap: 16px;
  transition: background 0.18s;
}

.faq-question:hover { background: #F7F9FC; }
.faq-item.open .faq-question { background: #F7F9FC; }

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #E8F0FE;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.25s;
}

.faq-item.open .faq-icon { background: #0D2B5E; transform: rotate(45deg); }
.faq-item.open .faq-icon svg { color: #fff; }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 24px;
  background: #fff;
}

.faq-answer.open {
  max-height: 400px;
  padding: 0 24px 20px;
}

.faq-answer p { font-size: 0.9rem; color: #4B5563; margin: 0; line-height: 1.75; }

/* ─── Contact ────────────────────────────────────────────── */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 56px;
  padding: 64px 0;
}

.contact-info-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  border-radius: 10px;
  margin-bottom: 16px;
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: #0D2B5E;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-info-icon svg { color: #C8A951; }
.contact-info-label { font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: #9CA3AF; margin-bottom: 4px; }
.contact-info-value { font-size: 0.95rem; font-weight: 600; color: #0D2B5E; }

.contact-form-card {
  background: #fff;
  border: 1px solid #DDE3EE;
  border-radius: 14px;
  padding: 36px;
  box-shadow: 0 4px 24px rgba(13,43,94,0.07);
}

.success-message {
  display: none;
  background: #ECFDF5;
  border: 1px solid #6EE7B7;
  border-radius: 10px;
  padding: 20px 24px;
  margin-top: 20px;
}

.success-message.visible { display: flex; align-items: center; gap: 14px; }
.success-message p { font-size: 0.92rem; color: #065F46; font-weight: 500; margin: 0; }

/* ─── About ──────────────────────────────────────────────── */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.about-img-wrap {
  border-radius: 16px;
  overflow: hidden;
  aspect-ratio: 4/3;
  background: #E8F0FE;
}

.about-img-wrap img { width: 100%; height: 100%; object-fit: cover; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.team-card {
  text-align: center;
  padding: 32px 24px;
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  border-radius: 14px;
  transition: all 0.22s;
}

.team-card:hover { background: #fff; box-shadow: 0 10px 36px rgba(13,43,94,0.1); transform: translateY(-4px); }

.team-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: #0D2B5E;
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: #C8A951;
}

.team-name { font-size: 1rem; font-weight: 700; font-family: 'Inter', sans-serif; color: #0D2B5E; margin-bottom: 4px; }
.team-role { font-size: 0.82rem; color: #C8A951; font-weight: 500; margin-bottom: 10px; }
.team-bio { font-size: 0.83rem; color: #6B7280; line-height: 1.6; }

/* ─── Values ──────────────────────────────────────────────── */
.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.value-item {
  display: flex;
  gap: 16px;
  padding: 20px;
  background: #fff;
  border: 1px solid #DDE3EE;
  border-radius: 10px;
}

.value-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #C8A951;
  flex-shrink: 0;
  margin-top: 6px;
}

.value-item h4 { font-size: 0.95rem; font-family: 'Inter', sans-serif; margin-bottom: 4px; }
.value-item p { font-size: 0.85rem; margin: 0; }

/* ─── Guide Pages ────────────────────────────────────────── */
.guide-steps { counter-reset: step; }

.guide-step {
  display: flex;
  gap: 24px;
  margin-bottom: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid #DDE3EE;
}

.guide-step:last-child { border-bottom: none; }

.step-number {
  counter-increment: step;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #0D2B5E;
  color: #C8A951;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-content h3 { font-size: 1.15rem; margin-bottom: 8px; }

/* ─── Data Table ─────────────────────────────────────────── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
}

.data-table th {
  background: #0D2B5E;
  color: #fff;
  padding: 14px 18px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: left;
}

.data-table th:first-child { border-radius: 8px 0 0 0; }
.data-table th:last-child { border-radius: 0 8px 0 0; }

.data-table td {
  padding: 14px 18px;
  font-size: 0.9rem;
  color: #374151;
  border-bottom: 1px solid #F0F4FB;
}

.data-table tr:hover td { background: #F7F9FC; }

/* ─── Breadcrumb ─────────────────────────────────────────── */
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; }
.breadcrumb a { color: #6B7280; transition: color 0.15s; }
.breadcrumb a:hover { color: #0D2B5E; }
.breadcrumb .sep { color: #D1D5DB; }
.breadcrumb .current { color: #0D2B5E; font-weight: 500; }

/* ─── Pagination ─────────────────────────────────────────── */
.pagination {
  display: flex;
  gap: 8px;
  justify-content: center;
  padding-top: 40px;
}

.page-btn {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: #4B5563;
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.18s;
  text-decoration: none;
}
.page-btn:hover,
.page-btn.active { background: #0D2B5E; color: #fff; border-color: #0D2B5E; }

/* ─── Policy Pages ───────────────────────────────────────── */
.policy-layout {
  padding: 64px 0;
}

.policy-toc {
  background: #F7F9FC;
  border: 1px solid #DDE3EE;
  border-radius: 10px;
  padding: 24px 28px;
  margin-bottom: 40px;
}

.policy-toc h4 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.08em; color: #9CA3AF; margin-bottom: 14px; font-family: 'Inter', sans-serif; }
.policy-toc ol { counter-reset: toc; }
.policy-toc li { counter-increment: toc; display: block; padding: 5px 0; }
.policy-toc li a { font-size: 0.88rem; color: #0D2B5E; font-weight: 500; }
.policy-toc li a:hover { color: #C8A951; }
.policy-toc li a::before { content: counter(toc) ". "; color: #C8A951; }

.policy-section { margin-bottom: 40px; padding-top: 8px; }
.policy-section h2 { font-size: 1.4rem; margin-bottom: 16px; padding-bottom: 10px; border-bottom: 2px solid #C8A951; }
.policy-section h3 { font-size: 1.05rem; margin: 20px 0 8px; color: #1A4B8C; font-family: 'Inter', sans-serif; }
.policy-section p, .policy-section li { font-size: 0.9rem; color: #4B5563; line-height: 1.75; }
.policy-section ul { padding-left: 0; margin: 10px 0; }
.policy-section li { padding: 4px 0 4px 20px; position: relative; list-style: none; }
.policy-section li::before { content: '—'; position: absolute; left: 0; color: #C8A951; }
.policy-section ol { padding-left: 20px; }
.policy-section ol li { list-style: decimal; padding-left: 4px; }
.policy-section ol li::before { display: none; }

.policy-highlight {
  background: #E8F0FE;
  border-left: 4px solid #0D2B5E;
  padding: 16px 20px;
  border-radius: 0 8px 8px 0;
  margin: 16px 0;
}
.policy-highlight p { margin: 0; font-size: 0.88rem; color: #0D2B5E; font-weight: 500; }

/* ─── Footer ─────────────────────────────────────────────── */
.site-footer {
  background: #0A1F4A;
  padding: 64px 0 0;
  color: rgba(255,255,255,0.7);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer-brand {}
.footer-brand .logo-text { color: #fff; }
.footer-brand p {
  font-size: 0.87rem;
  line-height: 1.75;
  margin-top: 14px;
  margin-bottom: 20px;
  color: rgba(255,255,255,0.6);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
}

.footer-contact-item svg { color: #C8A951; flex-shrink: 0; margin-top: 2px; }

.footer-col h5 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #C8A951;
  margin-bottom: 18px;
  font-family: 'Inter', sans-serif;
}

.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col li a {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.62);
  transition: color 0.18s;
}
.footer-col li a:hover { color: #C8A951; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.45); margin: 0; }

.footer-legal {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-legal a {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  transition: color 0.18s;
}
.footer-legal a:hover { color: #C8A951; }

/* ─── Infographic Elements ───────────────────────────────── */
.data-highlight {
  background: #FDF6E3;
  border: 1px solid #E8D5A3;
  border-radius: 10px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 24px 0;
}

.data-highlight-value {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: #C8A951;
  flex-shrink: 0;
}

.data-highlight-text { font-size: 0.88rem; color: #4B5563; margin: 0; }

.progress-item { margin-bottom: 18px; }
.progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  font-weight: 500;
  color: #374151;
  margin-bottom: 8px;
}

.progress-bar {
  height: 8px;
  background: #E8F0FE;
  border-radius: 100px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  border-radius: 100px;
  background: linear-gradient(90deg, #0D2B5E, #C8A951);
  transition: width 1.2s ease;
}

/* ─── Chip / Tag strip ───────────────────────────────────── */
.tag-strip { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; }
.chip {
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  background: #E8F0FE;
  color: #0D2B5E;
}

/* ─── Notice Box ─────────────────────────────────────────── */
.notice {
  display: flex;
  gap: 14px;
  padding: 18px 22px;
  border-radius: 10px;
  margin: 20px 0;
}

.notice--info { background: #EFF6FF; border: 1px solid #BFDBFE; }
.notice--warn { background: #FFFBEB; border: 1px solid #FDE68A; }
.notice--info svg { color: #2563EB; flex-shrink: 0; margin-top: 2px; }
.notice--warn svg { color: #D97706; flex-shrink: 0; margin-top: 2px; }
.notice p { font-size: 0.87rem; margin: 0; color: #374151; line-height: 1.6; }

/* ─── Sitemap ────────────────────────────────────────────── */
.sitemap-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
}

.sitemap-category h3 {
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: #0D2B5E;
  padding-bottom: 10px;
  border-bottom: 2px solid #C8A951;
  margin-bottom: 16px;
}

.sitemap-category li {
  padding: 5px 0;
}

.sitemap-category a {
  font-size: 0.88rem;
  color: #4B5563;
  transition: color 0.18s;
  display: flex;
  align-items: center;
  gap: 8px;
}

.sitemap-category a:hover { color: #0D2B5E; }
.sitemap-category a::before { content: '→'; color: #C8A951; font-size: 0.75rem; }

/* ─── Back to top ────────────────────────────────────────── */
.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: #0D2B5E;
  color: #fff;
  display: none;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(13,43,94,0.3);
  transition: all 0.22s;
  z-index: 99;
}

.back-to-top.visible { display: flex; }
.back-to-top:hover { background: #C8A951; transform: translateY(-3px); }

/* ─── Cookie Bar ─────────────────────────────────────────── */
.cookie-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #0D2B5E;
  color: #fff;
  padding: 16px 24px;
  z-index: 200;
  display: none;
}

.cookie-bar.visible {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.cookie-bar p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.82);
  margin: 0;
  max-width: 700px;
}

.cookie-bar a { color: #C8A951; font-weight: 500; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }