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

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

:root {
  --navy: #1A2B5F;
  --navy-deep: #0D1B4B;
  --navy-mid: #243875;
  --gold: #C9A84C;
  --gold-light: #E8B93F;
  --gold-pale: #F5E9C8;
  --white: #FFFFFF;
  --off-white: #F8F9FC;
  --light-gray: #EEF1F8;
  --mid-gray: #8A96B0;
  --dark-text: #1C2340;
  --body-text: #3A4466;
  --border: #D8DFF0;
  --shadow: rgba(26, 43, 95, 0.08);
  --shadow-md: rgba(26, 43, 95, 0.14);
  --radius: 10px;
  --radius-lg: 16px;
  --font-body: 'Inter', sans-serif;
  --font-head: 'Playfair Display', serif;
  --transition: 0.28s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--body-text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

/* ─── CONTAINER ─── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 880px; margin: 0 auto; padding: 0 24px; }

/* ─── HEADER ─── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 900;
  box-shadow: 0 2px 16px var(--shadow);
}
.header-inner {
  display: flex; align-items: center;
  justify-content: space-between;
  padding: 0 24px; height: 72px;
  max-width: 1200px; margin: 0 auto;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-head);
  font-size: 1.5rem; font-weight: 700;
  color: var(--navy);
}
.logo-mark {
  width: 38px; height: 38px;
  background: var(--navy);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.logo-mark span {
  color: var(--gold); font-weight: 800;
  font-size: 1.1rem; font-family: var(--font-body);
}
.logo-dot { color: var(--gold); }

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 14px; border-radius: 7px;
  font-size: 0.9rem; font-weight: 500;
  color: var(--body-text);
  transition: color var(--transition), background var(--transition);
}
.nav-link:hover { color: var(--navy); background: var(--light-gray); }
.nav-link.active { color: var(--navy); background: var(--light-gray); font-weight: 600; }

.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  padding: 8px 14px; border-radius: 7px;
  font-size: 0.9rem; font-weight: 500;
  color: var(--body-text); cursor: pointer;
  display: flex; align-items: center; gap: 5px;
  transition: color var(--transition), background var(--transition);
}
.nav-dropdown-toggle:hover { color: var(--navy); background: var(--light-gray); }
.nav-dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  min-width: 220px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: 0 8px 32px var(--shadow-md);
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: all var(--transition); z-index: 100;
  overflow: hidden;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown-menu a {
  display: block; padding: 11px 18px;
  font-size: 0.88rem; font-weight: 500;
  color: var(--body-text);
  transition: background var(--transition), color var(--transition);
  border-bottom: 1px solid var(--border);
}
.nav-dropdown-menu a:last-child { border-bottom: none; }
.nav-dropdown-menu a:hover { background: var(--off-white); color: var(--navy); }

.nav-cta {
  margin-left: 12px; padding: 9px 20px;
  background: var(--navy); color: var(--white) !important;
  border-radius: 8px; font-size: 0.88rem; font-weight: 600;
  transition: background var(--transition), transform var(--transition);
}
.nav-cta:hover { background: var(--navy-mid); transform: translateY(-1px); }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  padding: 6px; cursor: pointer;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all var(--transition);
}

/* ─── HERO ─── */
.hero {
  background: var(--navy-deep);
  padding: 100px 0 90px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 70% 50%, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.hero-content { position: relative; z-index: 2; }
.hero-eyebrow {
  font-size: 0.82rem; font-weight: 600; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 18px;
}
.hero-title {
  font-family: var(--font-head);
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 700; color: var(--white);
  line-height: 1.2; margin-bottom: 22px;
}
.hero-title em { color: var(--gold-light); font-style: normal; }
.hero-subtitle {
  font-size: 1.05rem; color: rgba(255,255,255,0.75);
  line-height: 1.75; margin-bottom: 38px; max-width: 500px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; background: var(--gold);
  color: var(--navy-deep); border-radius: 9px;
  font-size: 0.95rem; font-weight: 700;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 4px 18px rgba(201,168,76,0.3);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 26px rgba(201,168,76,0.4); }
.btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; background: transparent;
  color: var(--white); border: 1.5px solid rgba(255,255,255,0.35);
  border-radius: 9px; font-size: 0.95rem; font-weight: 600;
  transition: border-color var(--transition), background var(--transition);
}
.btn-secondary:hover { border-color: var(--gold); background: rgba(201,168,76,0.1); }

.hero-image-wrap {
  position: relative; z-index: 2;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
}
.hero-image-wrap img { width: 100%; height: 420px; object-fit: cover; }
.hero-stat-strip {
  display: flex; gap: 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 48px; padding-top: 36px;
}
.hero-stat {
  flex: 1; padding: 0 28px 0 0;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.hero-stat:last-child { border-right: none; padding-right: 0; padding-left: 28px; }
.hero-stat:first-child { padding-left: 0; }
.hero-stat-num {
  display: block; font-size: 2rem; font-weight: 800;
  color: var(--gold-light); line-height: 1;
  margin-bottom: 4px; font-family: var(--font-head);
}
.hero-stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); font-weight: 500; }

/* ─── SECTION BASE ─── */
.section { padding: 88px 0; }
.section-alt { background: var(--off-white); }
.section-dark { background: var(--navy); }
.section-navy-deep { background: var(--navy-deep); }

.section-header { margin-bottom: 52px; }
.section-header.centered { text-align: center; }
.section-kicker {
  display: inline-block; font-size: 0.78rem; font-weight: 700;
  letter-spacing: 2.5px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-head); font-size: clamp(1.7rem, 3vw, 2.5rem);
  font-weight: 700; color: var(--dark-text); line-height: 1.25;
  margin-bottom: 16px;
}
.section-dark .section-title,
.section-navy-deep .section-title { color: var(--white); }
.section-subtitle {
  font-size: 1.02rem; color: var(--mid-gray);
  max-width: 620px; line-height: 1.7;
}
.section-header.centered .section-subtitle { margin: 0 auto; }
.section-dark .section-subtitle,
.section-navy-deep .section-subtitle { color: rgba(255,255,255,0.65); }

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

.card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 32px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: 0 12px 40px var(--shadow-md); transform: translateY(-4px); }
.card-icon {
  width: 52px; height: 52px;
  background: var(--light-gray); border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; font-size: 1.5rem;
}
.card-icon.gold { background: var(--gold-pale); }
.card-title { font-size: 1.05rem; font-weight: 700; color: var(--dark-text); margin-bottom: 10px; }
.card-text { font-size: 0.9rem; color: var(--body-text); line-height: 1.65; }
.card-link {
  display: inline-flex; align-items: center; gap: 5px;
  margin-top: 16px; font-size: 0.88rem; font-weight: 600;
  color: var(--navy); transition: gap var(--transition), color var(--transition);
}
.card-link:hover { color: var(--gold); gap: 9px; }

/* ─── FEATURE LIST ─── */
.feature-list { display: flex; flex-direction: column; gap: 18px; }
.feature-item {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 20px 24px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
  transition: box-shadow var(--transition);
}
.feature-item:hover { box-shadow: 0 6px 24px var(--shadow); }
.feature-icon {
  flex-shrink: 0; width: 44px; height: 44px;
  background: var(--gold-pale); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem;
}
.feature-body h4 { font-size: 1rem; font-weight: 700; color: var(--dark-text); margin-bottom: 4px; }
.feature-body p { font-size: 0.88rem; color: var(--body-text); line-height: 1.6; }

/* ─── SPLIT SECTIONS ─── */
.split-section {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 72px; align-items: center;
}
.split-section.reverse { direction: rtl; }
.split-section.reverse > * { direction: ltr; }
.split-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: 0 16px 48px var(--shadow-md); }
.split-img img { width: 100%; height: 380px; object-fit: cover; }

/* ─── INFO BOX ─── */
.info-box {
  background: var(--light-gray); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 22px 26px; margin: 24px 0;
}
.info-box p { font-size: 0.95rem; color: var(--body-text); line-height: 1.7; }
.info-box strong { color: var(--navy); }

/* ─── BREADCRUMB ─── */
.breadcrumb {
  background: var(--light-gray); padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.breadcrumb-inner {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.82rem; color: var(--mid-gray);
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.breadcrumb-inner a { color: var(--mid-gray); transition: color var(--transition); }
.breadcrumb-inner a:hover { color: var(--navy); }
.breadcrumb-sep { color: var(--border); }
.breadcrumb-current { color: var(--navy); font-weight: 600; }

/* ─── PAGE HERO (inner pages) ─── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  padding: 60px 0 56px; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; right: -60px; top: -60px;
  width: 320px; height: 320px;
  border: 60px solid rgba(201,168,76,0.07);
  border-radius: 50%; pointer-events: none;
}
.page-hero-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.page-hero-tag {
  font-size: 0.78rem; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold); margin-bottom: 12px;
}
.page-hero h1 {
  font-family: var(--font-head); font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700; color: var(--white); line-height: 1.2;
  margin-bottom: 14px; max-width: 700px;
}
.page-hero p {
  font-size: 1rem; color: rgba(255,255,255,0.72);
  max-width: 580px; line-height: 1.7;
}

/* ─── ACCORDION ─── */
.accordion { display: flex; flex-direction: column; gap: 10px; }
.accordion-item {
  border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden;
}
.accordion-header {
  width: 100%; display: flex; align-items: center;
  justify-content: space-between;
  padding: 18px 22px; background: var(--white);
  font-size: 0.95rem; font-weight: 600; color: var(--dark-text);
  cursor: pointer; transition: background var(--transition);
  text-align: left;
}
.accordion-header:hover { background: var(--off-white); }
.accordion-header.open { background: var(--navy); color: var(--white); }
.accordion-chevron {
  width: 20px; height: 20px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  transition: transform var(--transition);
}
.accordion-header.open .accordion-chevron { transform: rotate(180deg); }
.accordion-body {
  display: none; padding: 18px 22px;
  font-size: 0.9rem; color: var(--body-text);
  line-height: 1.7; background: var(--off-white);
  border-top: 1px solid var(--border);
}
.accordion-body.open { display: block; }

/* ─── NUMBERED STEPS ─── */
.steps-list { display: flex; flex-direction: column; gap: 0; }
.step-item {
  display: flex; gap: 24px; padding: 28px 0;
  border-bottom: 1px solid var(--border);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0; width: 48px; height: 48px;
  background: var(--navy); color: var(--gold);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 800; font-family: var(--font-head);
}
.step-body h4 { font-size: 1rem; font-weight: 700; color: var(--dark-text); margin-bottom: 6px; }
.step-body p { font-size: 0.9rem; color: var(--body-text); line-height: 1.65; }

/* ─── TABLE ─── */
.data-table {
  width: 100%; border-collapse: collapse;
  font-size: 0.88rem;
  box-shadow: 0 4px 24px var(--shadow);
  border-radius: var(--radius); overflow: hidden;
}
.data-table th {
  background: var(--navy); color: var(--white);
  padding: 14px 18px; text-align: left;
  font-size: 0.82rem; font-weight: 600; letter-spacing: 0.5px;
}
.data-table td {
  padding: 13px 18px; border-bottom: 1px solid var(--border);
  color: var(--body-text);
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--off-white); }

/* ─── STATS BAR ─── */
.stats-bar {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden;
  background: var(--white);
}
.stat-cell {
  padding: 32px 24px; text-align: center;
  border-right: 1px solid var(--border);
}
.stat-cell:last-child { border-right: none; }
.stat-val {
  display: block; font-size: 2.2rem; font-weight: 800;
  color: var(--navy); font-family: var(--font-head); line-height: 1;
  margin-bottom: 6px;
}
.stat-val.gold { color: var(--gold); }
.stat-label { font-size: 0.82rem; color: var(--mid-gray); font-weight: 500; }

/* ─── QUOTE BLOCK ─── */
.quote-block {
  background: var(--navy); border-radius: var(--radius-lg);
  padding: 48px 52px; position: relative; overflow: hidden;
}
.quote-block::before {
  content: '"'; position: absolute; top: -20px; left: 24px;
  font-size: 12rem; color: rgba(201,168,76,0.12);
  font-family: var(--font-head); line-height: 1;
  pointer-events: none;
}
.quote-text {
  font-family: var(--font-head); font-size: 1.35rem;
  color: var(--white); line-height: 1.6; margin-bottom: 24px;
  position: relative; z-index: 1;
}
.quote-author { font-size: 0.88rem; color: var(--gold); font-weight: 600; }

/* ─── BLOG CARD ─── */
.blog-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card:hover { box-shadow: 0 12px 40px var(--shadow-md); transform: translateY(-4px); }
.blog-card-img { overflow: hidden; height: 200px; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.blog-card:hover .blog-card-img img { transform: scale(1.04); }
.blog-card-body { padding: 24px; }
.blog-meta {
  display: flex; align-items: center; gap: 14px;
  font-size: 0.78rem; color: var(--mid-gray);
  margin-bottom: 10px;
}
.blog-cat {
  background: var(--gold-pale); color: var(--navy);
  padding: 3px 10px; border-radius: 20px;
  font-size: 0.75rem; font-weight: 600;
}
.blog-card-title {
  font-size: 1rem; font-weight: 700; color: var(--dark-text);
  margin-bottom: 10px; line-height: 1.4;
  display: -webkit-box; -webkit-line-clamp: 2;
  -webkit-box-orient: vertical; overflow: hidden;
}
.blog-card-excerpt {
  font-size: 0.87rem; color: var(--body-text); line-height: 1.65;
  display: -webkit-box; -webkit-line-clamp: 3;
  -webkit-box-orient: vertical; overflow: hidden;
  margin-bottom: 16px;
}
.blog-card-link {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.85rem; font-weight: 600; color: var(--navy);
  transition: gap var(--transition), color var(--transition);
}
.blog-card-link:hover { color: var(--gold); gap: 9px; }

/* ─── CONTACT ─── */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.4fr;
  gap: 60px; align-items: start;
}
.contact-info-block { display: flex; flex-direction: column; gap: 24px; }
.contact-info-item {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 20px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
}
.contact-info-icon {
  width: 42px; height: 42px; flex-shrink: 0;
  background: var(--gold-pale); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.contact-info-label { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--mid-gray); margin-bottom: 4px; }
.contact-info-val { font-size: 0.95rem; font-weight: 600; color: var(--dark-text); }

/* ─── FORM ─── */
.form-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 40px;
  box-shadow: 0 8px 32px var(--shadow);
}
.form-grid { display: grid; gap: 20px; }
.form-row-2 { grid-template-columns: 1fr 1fr; display: grid; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-label { font-size: 0.83rem; font-weight: 600; color: var(--dark-text); letter-spacing: 0.3px; }
.form-input, .form-select, .form-textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-size: 0.92rem; color: var(--dark-text);
  font-family: var(--font-body); background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--navy); background: var(--white);
  box-shadow: 0 0 0 3px rgba(26,43,95,0.08);
}
.form-textarea { resize: vertical; min-height: 120px; }
.form-submit {
  width: 100%; padding: 15px;
  background: var(--navy); color: var(--white);
  border-radius: 9px; font-size: 1rem; font-weight: 700;
  transition: background var(--transition), transform var(--transition);
}
.form-submit:hover { background: var(--navy-mid); transform: translateY(-1px); }
.form-success {
  display: none; padding: 18px 22px;
  background: #e8f5e9; border: 1px solid #a5d6a7;
  border-radius: var(--radius); color: #2e7d32;
  font-weight: 600; font-size: 0.95rem; margin-top: 16px;
  align-items: center; gap: 10px;
}
.form-success.show { display: flex; }

/* ─── FOOTER ─── */
.site-footer {
  background: var(--navy-deep); color: rgba(255,255,255,0.7);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 48px; padding-bottom: 56px;
}
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 280px; }
.footer-col-title {
  font-size: 0.8rem; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.87rem; color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold); }
.footer-contact-item {
  display: flex; align-items: flex-start; gap: 10px;
  margin-bottom: 12px; font-size: 0.87rem;
}
.footer-contact-item span:first-child { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 22px 0; display: flex; align-items: center;
  justify-content: space-between; flex-wrap: wrap; gap: 12px;
}
.footer-bottom-text { font-size: 0.82rem; color: rgba(255,255,255,0.45); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a {
  font-size: 0.82rem; color: rgba(255,255,255,0.45);
  transition: color var(--transition);
}
.footer-bottom-links a:hover { color: var(--gold); }

/* ─── POLICY PAGES ─── */
.policy-content {
  max-width: 860px; margin: 0 auto;
  padding: 64px 24px 88px;
}
.policy-content h1 {
  font-family: var(--font-head); font-size: 2rem;
  font-weight: 700; color: var(--dark-text);
  margin-bottom: 10px;
}
.policy-date {
  font-size: 0.85rem; color: var(--mid-gray);
  margin-bottom: 36px; padding-bottom: 28px;
  border-bottom: 1px solid var(--border);
}
.policy-content h2 {
  font-size: 1.2rem; font-weight: 700;
  color: var(--navy); margin: 36px 0 12px;
}
.policy-content h3 {
  font-size: 1.02rem; font-weight: 600;
  color: var(--dark-text); margin: 24px 0 10px;
}
.policy-content p {
  font-size: 0.95rem; color: var(--body-text);
  line-height: 1.8; margin-bottom: 14px;
}
.policy-content ul, .policy-content ol {
  padding-left: 22px; margin-bottom: 16px;
}
.policy-content ul li, .policy-content ol li {
  font-size: 0.93rem; color: var(--body-text);
  line-height: 1.75; margin-bottom: 7px;
  list-style: disc;
}
.policy-content ol li { list-style: decimal; }
.policy-highlight {
  background: var(--gold-pale); border-left: 4px solid var(--gold);
  padding: 18px 22px; border-radius: 0 var(--radius) var(--radius) 0;
  margin: 24px 0; font-size: 0.93rem; color: var(--body-text); line-height: 1.7;
}

/* ─── TAG LIST ─── */
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 20px 0; }
.tag {
  padding: 5px 14px; background: var(--light-gray);
  color: var(--navy); border-radius: 20px;
  font-size: 0.8rem; font-weight: 500;
  border: 1px solid var(--border);
}

/* ─── ARTICLE ─── */
.article-layout {
  display: grid; grid-template-columns: 1fr 320px; gap: 56px;
  align-items: start; padding: 60px 0 88px;
}
.article-body h2 {
  font-family: var(--font-head); font-size: 1.5rem;
  font-weight: 700; color: var(--navy);
  margin: 36px 0 14px;
}
.article-body h3 {
  font-size: 1.1rem; font-weight: 700;
  color: var(--dark-text); margin: 28px 0 10px;
}
.article-body p {
  font-size: 0.97rem; color: var(--body-text);
  line-height: 1.82; margin-bottom: 18px;
}
.article-body ul { padding-left: 20px; margin-bottom: 18px; }
.article-body ul li {
  list-style: disc; font-size: 0.95rem;
  color: var(--body-text); line-height: 1.7; margin-bottom: 8px;
}
.sidebar-widget {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 26px;
  margin-bottom: 24px;
}
.sidebar-widget h4 {
  font-size: 0.85rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--mid-gray); margin-bottom: 18px;
  padding-bottom: 12px; border-bottom: 1px solid var(--border);
}
.sidebar-links { display: flex; flex-direction: column; gap: 10px; }
.sidebar-links a {
  font-size: 0.9rem; color: var(--body-text);
  display: flex; align-items: center; gap: 7px;
  transition: color var(--transition);
  padding: 6px 0; border-bottom: 1px solid var(--border);
}
.sidebar-links a:last-child { border-bottom: none; }
.sidebar-links a:hover { color: var(--navy); }

/* ─── TWO-COL TEXT ─── */
.two-col-text {
  column-count: 2; column-gap: 40px;
}

/* ─── CTA BANNER ─── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  border-radius: var(--radius-lg); padding: 56px 52px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px; flex-wrap: wrap;
}
.cta-banner-text h2 {
  font-family: var(--font-head); font-size: 1.9rem;
  color: var(--white); font-weight: 700; margin-bottom: 8px;
}
.cta-banner-text p { font-size: 1rem; color: rgba(255,255,255,0.7); }
.cta-banner-actions { display: flex; gap: 14px; flex-shrink: 0; flex-wrap: wrap; }

/* ─── GLOSSARY ─── */
.glossary-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.glossary-item {
  padding: 18px 22px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
}
.glossary-term { font-weight: 700; color: var(--navy); margin-bottom: 5px; font-size: 0.95rem; }
.glossary-def { font-size: 0.87rem; color: var(--body-text); line-height: 1.6; }

/* ─── TIMELINE ─── */
.timeline { position: relative; padding-left: 32px; }
.timeline::before {
  content: ''; position: absolute; left: 11px; top: 0; bottom: 0;
  width: 2px; background: var(--border);
}
.timeline-item { position: relative; padding-bottom: 32px; }
.timeline-dot {
  position: absolute; left: -32px; top: 4px;
  width: 22px; height: 22px;
  background: var(--white); border: 3px solid var(--gold);
  border-radius: 50%;
}
.timeline-item h4 { font-size: 1rem; font-weight: 700; color: var(--dark-text); margin-bottom: 6px; }
.timeline-item p { font-size: 0.88rem; color: var(--body-text); line-height: 1.65; }

/* ─── MOBILE ─── */
@media (max-width: 1024px) {
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-image-wrap { order: -1; }
  .hero-image-wrap img { height: 260px; }
  .hero-stat-strip { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
  .hero-stat { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding: 14px 0; }
  .hero-stat:last-child { border-bottom: none; }
  .split-section { grid-template-columns: 1fr; gap: 36px; }
  .split-section.reverse { direction: ltr; }
  .card-grid-3 { grid-template-columns: 1fr; }
  .card-grid-2 { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
  .stat-cell { border-right: none; border-bottom: 1px solid var(--border); }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .mobile-nav {
    display: none; position: absolute; top: 72px; left: 0; right: 0;
    background: var(--white); border-bottom: 1px solid var(--border);
    padding: 20px; z-index: 800;
    box-shadow: 0 8px 24px var(--shadow);
  }
  .mobile-nav.open { display: flex; flex-direction: column; gap: 4px; }
  .mobile-nav a {
    padding: 12px 16px; border-radius: 7px; font-size: 0.95rem;
    font-weight: 500; color: var(--body-text);
    display: block;
  }
  .mobile-nav a:hover { background: var(--light-gray); color: var(--navy); }
  .cta-banner { padding: 36px 28px; }
  .cta-banner-text h2 { font-size: 1.4rem; }
  .form-row-2 { grid-template-columns: 1fr; }
  .glossary-list { grid-template-columns: 1fr; }
  .two-col-text { column-count: 1; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .footer-bottom-links { justify-content: center; }
  .quote-block { padding: 32px 28px; }
  .section { padding: 60px 0; }
}