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

/* =========================================
   CSS VARIABLES – FINANCIAL HORIZONS PALETTE
   ========================================= */
:root {
  --green-deep:    #1A5C38;
  --green-mid:     #2A7A50;
  --green-light:   #3D9970;
  --green-pale:    #E8F3EC;
  --cream:         #F8F4ED;
  --cream-dark:    #EDE8DF;
  --cream-border:  #D4CFC4;
  --graphite:      #252B2B;
  --graphite-mid:  #3D4444;
  --graphite-light:#5C6666;
  --white:         #FFFFFF;
  --text-primary:  #1E2424;
  --text-secondary:#4A5252;
  --text-muted:    #7A8585;
  --shadow-sm:     0 2px 8px rgba(26,92,56,0.08);
  --shadow-md:     0 6px 24px rgba(26,92,56,0.12);
  --shadow-lg:     0 16px 48px rgba(26,92,56,0.16);
  --radius-sm:     6px;
  --radius-md:     12px;
  --radius-lg:     20px;
  --transition:    0.3s cubic-bezier(0.4,0,0.2,1);
}

/* =========================================
   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;
  line-height: 1.65;
  color: var(--text-primary);
  background-color: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--green-deep); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green-light); }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }

/* =========================================
   TYPOGRAPHY
   ========================================= */
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.25;
  color: var(--graphite);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.2rem; }
h5 { font-size: 1rem; }
p  { margin-bottom: 1.1rem; color: var(--text-secondary); font-size: 1rem; }
p:last-child { margin-bottom: 0; }

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green-mid);
  margin-bottom: 0.75rem;
}
.section-title { margin-bottom: 1rem; }
.section-desc { font-size: 1.05rem; color: var(--text-secondary); max-width: 600px; }

/* =========================================
   LAYOUT CONTAINERS
   ========================================= */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 860px; margin: 0 auto; padding: 0 24px; }
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 24px; }

section { padding: 80px 0; }
.section-alt { background-color: var(--white); }
.section-dark { background-color: var(--graphite); color: var(--cream); }
.section-green { background-color: var(--green-deep); color: var(--white); }

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

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

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav-logo-mark {
  width: 38px;
  height: 38px;
  background: var(--green-deep);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.nav-logo-mark svg { width: 22px; height: 22px; fill: var(--white); }
.nav-logo-text {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--graphite);
  letter-spacing: -0.02em;
}
.nav-logo-text span { color: var(--green-deep); }

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

.nav-item { position: relative; }

.nav-link {
  display: block;
  padding: 8px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
  color: var(--green-deep);
  background-color: var(--green-pale);
}

.nav-dropdown { position: relative; }
.nav-dropdown-toggle::after {
  content: '';
  display: inline-block;
  width: 6px;
  height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  margin-left: 6px;
  vertical-align: middle;
}
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  min-width: 260px;
  padding: 8px;
  z-index: 100;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-item {
  display: block;
  padding: 9px 14px;
  font-size: 0.875rem;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.dropdown-item:hover { background: var(--green-pale); color: var(--green-deep); }

.nav-cta {
  background: var(--green-deep);
  color: var(--white) !important;
  padding: 9px 20px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.875rem;
}
.nav-cta:hover { background: var(--green-mid) !important; color: var(--white) !important; }

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

/* =========================================
   HERO SECTION
   ========================================= */
.hero {
  background-color: var(--graphite);
  position: relative;
  overflow: hidden;
  padding: 100px 0 80px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,92,56,0.85) 0%, rgba(37,43,43,0.92) 60%);
  z-index: 1;
}
.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-text h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero-text p { color: rgba(255,255,255,0.8); font-size: 1.1rem; line-height: 1.7; margin-bottom: 2rem; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.hero-stat-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  backdrop-filter: blur(8px);
}
.hero-stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); font-weight: 500; }

/* Inner page hero */
.page-hero {
  background: linear-gradient(135deg, var(--green-deep) 0%, var(--graphite) 100%);
  padding: 70px 0 60px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }
.page-hero-breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 1.5rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
}
.page-hero-breadcrumb a { color: rgba(255,255,255,0.75); }
.page-hero-breadcrumb a:hover { color: var(--white); }
.page-hero-breadcrumb span::before { content: '/'; margin-right: 8px; }

/* =========================================
   BUTTONS
   ========================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  transition: all var(--transition);
  text-decoration: none;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--green-deep);
  color: var(--white);
  border-color: var(--green-deep);
}
.btn-primary:hover {
  background: var(--green-mid);
  border-color: var(--green-mid);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,92,56,0.3);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline-green {
  background: transparent;
  color: var(--green-deep);
  border-color: var(--green-deep);
}
.btn-outline-green:hover {
  background: var(--green-deep);
  color: var(--white);
}
.btn-sm { padding: 8px 18px; font-size: 0.82rem; }
.btn-lg { padding: 15px 34px; font-size: 0.975rem; }

/* =========================================
   CARDS
   ========================================= */
.card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
}
.card:hover {
  border-color: var(--green-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.card-img { width: 100%; height: 220px; object-fit: cover; }
.card-body { padding: 24px; }
.card-tag {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--green-mid);
  margin-bottom: 8px;
}
.card-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--graphite);
  margin-bottom: 10px;
  line-height: 1.35;
}
.card-excerpt { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.6; margin-bottom: 1rem; }
.card-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 0.8rem;
  color: var(--text-muted);
  padding-top: 12px;
  border-top: 1px solid var(--cream-border);
}
.card-meta-item { display: flex; align-items: center; gap: 5px; }

/* Feature / info card */
.feature-card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 32px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: var(--green-deep);
  opacity: 0;
  transition: opacity var(--transition);
}
.feature-card:hover::before { opacity: 1; }
.feature-card:hover {
  border-color: var(--cream-border);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.feature-icon {
  width: 52px;
  height: 52px;
  background: var(--green-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.feature-icon svg { width: 26px; height: 26px; fill: var(--green-deep); }
.feature-card h4 { color: var(--graphite); margin-bottom: 10px; }
.feature-card p { font-size: 0.9rem; color: var(--text-secondary); }

/* Stat card */
.stat-card {
  text-align: center;
  padding: 32px 24px;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--cream-border);
}
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--green-deep);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label { font-size: 0.875rem; color: var(--text-secondary); font-weight: 500; }

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

/* =========================================
   DECORATIVE CHART ELEMENTS
   ========================================= */
.chart-widget {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 28px;
  overflow: hidden;
}
.chart-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 24px;
}
.chart-title { font-size: 0.85rem; font-weight: 600; color: var(--graphite); }
.chart-subtitle { font-size: 0.75rem; color: var(--text-muted); }
.chart-badge {
  background: var(--green-pale);
  color: var(--green-deep);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
}

/* Bar chart decorative */
.bar-chart { display: flex; align-items: flex-end; gap: 10px; height: 100px; }
.bar-item { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 6px; }
.bar-fill {
  width: 100%;
  background: linear-gradient(to top, var(--green-deep), var(--green-light));
  border-radius: 4px 4px 0 0;
  transition: height 1s ease;
  opacity: 0.85;
}
.bar-fill.alt { background: linear-gradient(to top, var(--cream-dark), var(--cream-border)); }
.bar-label { font-size: 0.68rem; color: var(--text-muted); }

/* Line chart decorative */
.line-chart-wrap { position: relative; height: 80px; overflow: hidden; }
.line-chart-svg { width: 100%; height: 100%; }

/* Progress bars */
.progress-item { margin-bottom: 16px; }
.progress-header { display: flex; justify-content: space-between; margin-bottom: 6px; font-size: 0.82rem; font-weight: 500; color: var(--text-secondary); }
.progress-bar { height: 6px; background: var(--cream-dark); border-radius: 3px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--green-deep); border-radius: 3px; }

/* =========================================
   ARTICLE PAGE STYLES
   ========================================= */
.article-content { max-width: 780px; }
.article-header { margin-bottom: 2rem; }
.article-meta { display: flex; flex-wrap: wrap; gap: 20px; margin-bottom: 1.5rem; font-size: 0.85rem; color: var(--text-muted); }
.article-meta-item { display: flex; align-items: center; gap: 6px; }
.article-featured-img { width: 100%; height: 420px; object-fit: cover; border-radius: var(--radius-md); margin-bottom: 2.5rem; }
.article-body h2 { font-size: 1.6rem; margin: 2rem 0 1rem; color: var(--graphite); }
.article-body h3 { font-size: 1.25rem; margin: 1.75rem 0 0.75rem; color: var(--graphite-mid); }
.article-body p { font-size: 1rem; line-height: 1.8; color: var(--text-secondary); margin-bottom: 1.25rem; }
.article-body ul, .article-body ol { padding-left: 1.5rem; margin-bottom: 1.25rem; }
.article-body ul li, .article-body ol li { font-size: 0.975rem; color: var(--text-secondary); margin-bottom: 0.5rem; line-height: 1.7; }
.article-body ul li::marker { color: var(--green-deep); }

.article-callout {
  background: var(--green-pale);
  border-left: 4px solid var(--green-deep);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 2rem 0;
}
.article-callout p { color: var(--graphite); font-weight: 500; margin: 0; }

.article-sidebar { position: sticky; top: 96px; }
.sidebar-widget {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-bottom: 24px;
}
.sidebar-widget h5 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--graphite);
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--cream-border);
}
.sidebar-link-list li { margin-bottom: 8px; }
.sidebar-link-list a { font-size: 0.875rem; color: var(--text-secondary); display: flex; align-items: center; gap: 7px; }
.sidebar-link-list a::before { content: '›'; color: var(--green-deep); font-size: 1.1rem; }
.sidebar-link-list a:hover { color: var(--green-deep); }

/* =========================================
   FAQ ACCORDION
   ========================================= */
.faq-item {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-sm);
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 24px;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 0.975rem;
  font-weight: 600;
  color: var(--graphite);
  text-align: left;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--cream); }
.faq-question.open { background: var(--green-pale); color: var(--green-deep); }
.faq-icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border: 2px solid var(--cream-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--text-muted);
  transition: all var(--transition);
}
.faq-question.open .faq-icon { background: var(--green-deep); border-color: var(--green-deep); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  display: none;
  padding: 0 24px 20px;
  font-size: 0.925rem;
  color: var(--text-secondary);
  line-height: 1.7;
}
.faq-answer.open { display: block; }

/* =========================================
   CONTACT FORM
   ========================================= */
.contact-form { max-width: 640px; }
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 0.875rem; font-weight: 600; color: var(--graphite); margin-bottom: 7px; }
.form-control {
  width: 100%;
  padding: 11px 16px;
  border: 1.5px solid var(--cream-border);
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  color: var(--text-primary);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--green-mid);
  box-shadow: 0 0 0 3px rgba(42,122,80,0.1);
}
.form-control::placeholder { color: var(--text-muted); }
textarea.form-control { resize: vertical; min-height: 130px; }
.form-select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235C6666' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; }
.form-check input[type="checkbox"] { width: 16px; height: 16px; accent-color: var(--green-deep); flex-shrink: 0; margin-top: 2px; }
.form-check label { font-size: 0.85rem; color: var(--text-secondary); cursor: pointer; }

/* Success message */
.form-success {
  display: none;
  background: var(--green-pale);
  border: 1px solid var(--green-mid);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  text-align: center;
}
.form-success.show { display: block; }
.form-success-icon {
  width: 56px;
  height: 56px;
  background: var(--green-deep);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.form-success-icon svg { width: 28px; height: 28px; fill: none; stroke: var(--white); stroke-width: 2.5; }
.form-success h4 { font-family: 'Playfair Display', serif; color: var(--green-deep); margin-bottom: 8px; }
.form-success p { color: var(--text-secondary); font-size: 0.9rem; }

/* =========================================
   TABLES
   ========================================= */
.data-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.data-table th {
  background: var(--graphite);
  color: var(--white);
  padding: 13px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.data-table td { padding: 13px 16px; border-bottom: 1px solid var(--cream-border); color: var(--text-secondary); }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--cream); }
.data-table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--cream-border); overflow: hidden; }

/* =========================================
   TOOLS / CALCULATOR CARDS
   ========================================= */
.tool-card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  transition: all var(--transition);
}
.tool-card:hover { box-shadow: var(--shadow-md); border-color: var(--green-light); transform: translateY(-2px); }
.tool-icon {
  width: 56px;
  height: 56px;
  background: var(--green-deep);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tool-icon svg { width: 28px; height: 28px; fill: var(--white); }
.tool-body { flex: 1; }
.tool-body h4 { color: var(--graphite); margin-bottom: 6px; }
.tool-body p { font-size: 0.875rem; color: var(--text-secondary); margin-bottom: 14px; }

/* =========================================
   INLINE CALCULATOR
   ========================================= */
.calculator-wrap {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.calc-title { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--graphite); margin-bottom: 6px; }
.calc-desc { font-size: 0.875rem; color: var(--text-muted); margin-bottom: 28px; }
.calc-output {
  background: var(--green-pale);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-top: 24px;
}
.calc-result-label { font-size: 0.8rem; color: var(--text-secondary); margin-bottom: 4px; }
.calc-result-num { font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 700; color: var(--green-deep); }

/* =========================================
   POLICY / LEGAL PAGES
   ========================================= */
.policy-wrap { max-width: 820px; margin: 0 auto; }
.policy-wrap h2 { font-size: 1.4rem; margin: 2.5rem 0 0.8rem; padding-top: 1.5rem; border-top: 1px solid var(--cream-border); }
.policy-wrap h2:first-of-type { border-top: none; padding-top: 0; }
.policy-wrap h3 { font-size: 1.1rem; margin: 1.5rem 0 0.6rem; color: var(--graphite-mid); }
.policy-wrap p { font-size: 0.95rem; line-height: 1.8; color: var(--text-secondary); }
.policy-wrap ul { padding-left: 1.4rem; margin-bottom: 1rem; }
.policy-wrap ul li { font-size: 0.925rem; color: var(--text-secondary); margin-bottom: 5px; line-height: 1.7; }
.policy-meta {
  background: var(--cream-dark);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-bottom: 2.5rem;
  font-size: 0.875rem;
  color: var(--text-secondary);
}
.policy-meta strong { color: var(--graphite); }
.policy-toc {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-bottom: 2.5rem;
}
.policy-toc h5 { font-size: 0.875rem; font-weight: 700; color: var(--graphite); margin-bottom: 12px; }
.policy-toc ol { padding-left: 1.25rem; }
.policy-toc ol li { font-size: 0.875rem; margin-bottom: 5px; }
.policy-toc ol li a { color: var(--green-deep); }
.policy-toc ol li a:hover { text-decoration: underline; }

/* =========================================
   FOOTER
   ========================================= */
.site-footer {
  background: var(--graphite);
  color: var(--white);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.875rem; line-height: 1.7; margin-top: 14px; margin-bottom: 20px; }
.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 { width: 16px; height: 16px; fill: var(--green-light); flex-shrink: 0; margin-top: 2px; }
.footer-col h6 { font-family: 'Playfair Display', serif; font-size: 0.95rem; font-weight: 600; color: var(--white); margin-bottom: 16px; }
.footer-links li { margin-bottom: 8px; }
.footer-links a { font-size: 0.85rem; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-links a:hover { color: var(--green-light); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,0.4); }
.footer-bottom-links a:hover { color: rgba(255,255,255,0.7); }

/* =========================================
   COOKIE CONSENT
   ========================================= */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--graphite);
  border-top: 3px solid var(--green-deep);
  padding: 18px 24px;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
}
.cookie-text { font-size: 0.85rem; color: rgba(255,255,255,0.8); flex: 1; }
.cookie-text a { color: var(--green-light); text-decoration: underline; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }

/* =========================================
   BREADCRUMB
   ========================================= */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 1.5rem;
}
.breadcrumb a { color: var(--green-deep); }
.breadcrumb a:hover { color: var(--green-mid); }
.breadcrumb-sep { color: var(--cream-border); }

/* =========================================
   HIGHLIGHT / ACCENT BLOCKS
   ========================================= */
.info-block {
  background: var(--cream-dark);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin: 2rem 0;
}
.info-block h4 { margin-bottom: 10px; }

.tip-card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: var(--radius-md);
  padding: 22px 24px;
  display: flex;
  gap: 16px;
  margin-bottom: 16px;
}
.tip-num {
  width: 32px;
  height: 32px;
  background: var(--green-deep);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}
.tip-body h5 { font-size: 0.95rem; margin-bottom: 5px; }
.tip-body p { font-size: 0.875rem; color: var(--text-secondary); }

/* =========================================
   TEAM / AUTHOR CARD
   ========================================= */
.author-card {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 24px;
  background: var(--cream);
  border-radius: var(--radius-md);
  margin: 2rem 0;
}
.author-avatar {
  width: 56px;
  height: 56px;
  background: var(--green-deep);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  color: var(--white);
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.95rem; color: var(--graphite); }
.author-role { font-size: 0.8rem; color: var(--text-muted); }
.author-bio { font-size: 0.85rem; color: var(--text-secondary); margin-top: 4px; }

/* =========================================
   TAGS
   ========================================= */
.tags { display: flex; flex-wrap: wrap; gap: 8px; }
.tag {
  display: inline-block;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 600;
  background: var(--cream-dark);
  color: var(--graphite-light);
  border-radius: 20px;
  transition: all var(--transition);
  text-decoration: none;
}
.tag:hover { background: var(--green-pale); color: var(--green-deep); }

/* =========================================
   DIVIDERS
   ========================================= */
.divider { height: 1px; background: var(--cream-border); margin: 0; }
.divider-v { width: 1px; background: var(--cream-border); align-self: stretch; }

/* =========================================
   MISC UTILITIES
   ========================================= */
.text-center { text-align: center; }
.text-right  { text-align: right; }
.mb-0  { margin-bottom: 0; }
.mb-6  { margin-bottom: 6px; }
.mb-10 { margin-bottom: 10px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.mt-8  { margin-top: 8px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.gap-section { padding: 80px 0; }
.fw-600 { font-weight: 600; }
.text-green { color: var(--green-deep); }
.text-muted { color: var(--text-muted); }
.section-header { max-width: 580px; margin-bottom: 48px; }
.section-header.centered { text-align: center; margin: 0 auto 48px; }
.max-600 { max-width: 600px; }
.shadow-card { box-shadow: var(--shadow-sm); }
.rounded { border-radius: var(--radius-md); }
.overflow-hidden { overflow: hidden; }

/* numbered steps */
.steps-list { counter-reset: steps; }
.step-item { display: flex; gap: 20px; align-items: flex-start; margin-bottom: 28px; }
.step-num {
  width: 36px; height: 36px;
  background: var(--green-deep);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.875rem;
  flex-shrink: 0;
}
.step-body h4 { margin-bottom: 6px; }
.step-body p { font-size: 0.9rem; color: var(--text-secondary); }

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 1100px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-2-1 { grid-template-columns: 1fr; }
  .grid-1-2 { grid-template-columns: 1fr; }
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  section { padding: 60px 0; }
  .article-sidebar { position: static; }
}

@media (max-width: 700px) {
  .nav-menu { display: none; flex-direction: column; gap: 4px; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--cream-border); padding: 16px 24px; box-shadow: var(--shadow-md); }
  .nav-menu.open { display: flex; }
  .nav-toggle { display: flex; }
  .dropdown-menu { position: static; box-shadow: none; border: none; background: var(--cream); margin-top: 4px; }
  .nav-dropdown:hover .dropdown-menu { display: none; }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .cookie-banner { flex-direction: column; align-items: flex-start; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .container { padding: 0 18px; }
  .hero { padding: 70px 0 60px; }
}

@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; justify-content: center; }
}