/* ══════════════════════════════════════════
   RESET & BASE
══════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; }

:root {
  --clr-navy:       #0a1628;
  --clr-navy-mid:   #0f2040;
  --clr-navy-light: #1a304f;
  --clr-gold:       #c9963a;
  --clr-gold-light: #e8b85a;
  --clr-teal:       #0d9488;
  --clr-teal-light: #14b8a6;
  --clr-text:       #1e2d42;
  --clr-muted:      #5a7080;
  --clr-border:     #dce4ed;
  --clr-bg:         #f5f7fa;
  --clr-white:      #ffffff;
  --clr-slate-100:  #eef2f7;

  --radius-sm:  8px;
  --radius-md:  14px;
  --radius-lg:  22px;
  --shadow-sm:  0 2px 10px rgba(10,22,40,.07);
  --shadow-md:  0 10px 30px rgba(10,22,40,.12);
  --shadow-lg:  0 20px 50px rgba(10,22,40,.20);
  --transition: 0.15s ease;
}

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--clr-text);
  background: var(--clr-bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--clr-teal); text-decoration: none; }
a:hover { text-decoration: underline; }

h1,h2,h3,h4 { line-height: 1.28; margin: 0 0 .85rem; color: var(--clr-navy); }
p { margin: 0 0 1.1rem; }
ul, ol { padding-left: 1.25rem; }
li { margin-bottom: .4rem; }

.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ══════════════════════════════════════════
   BUTTONS
══════════════════════════════════════════ */
.btn-primary,
.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: var(--radius-md);
  padding: 13px 26px;
  font-size: 15px;
  font-weight: 600;
  font-family: inherit;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  text-decoration: none !important;
  line-height: 1.2;
}

.btn-primary {
  background: linear-gradient(135deg, var(--clr-teal), #0d7a6e);
  color: #ffffff;
  box-shadow: 0 8px 22px rgba(13,148,136,.28);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(13,148,136,.42);
  background: linear-gradient(135deg, var(--clr-teal-light), var(--clr-teal));
}

.btn-secondary {
  background: #e4ecf5;
  color: var(--clr-navy);
}
.btn-secondary:hover { background: #cfd9e8; }

.btn-gold {
  background: linear-gradient(135deg, var(--clr-gold), #a87829);
  color: #ffffff;
  box-shadow: 0 8px 22px rgba(201,150,58,.28);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 32px rgba(201,150,58,.42);
}

.btn-small  { padding: 9px 18px; font-size: 13px; }
.btn-block  { width: 100%; }
.btn-submit { margin-top: 4px; }

/* ══════════════════════════════════════════
   HEADER
══════════════════════════════════════════ */
.site-header {
  background: var(--clr-navy);
  color: #d1dde8;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 16px rgba(0,0,0,.4);
}

.disclaimer-bar {
  background: var(--clr-navy-mid);
  color: #7a9ab8;
  font-size: 11.5px;
  text-align: center;
  padding: 5px 16px 6px;
  letter-spacing: .01em;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.disclaimer-bar strong { color: var(--clr-gold-light); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  gap: 16px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  text-decoration: none !important;
}
.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--clr-gold), #a87829);
  color: var(--clr-navy);
  font-weight: 800;
  font-size: 16px;
  font-family: 'Playfair Display', serif;
  flex-shrink: 0;
}
.logo-text {
  font-weight: 700;
  font-size: 16px;
  color: #e8ecf2;
  letter-spacing: -.01em;
}

.main-nav {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px 20px;
  font-size: 13.5px;
}
.main-nav a { color: #a8bdd4; opacity: .9; transition: all .15s; }
.main-nav a:hover { opacity: 1; color: #e8ecf2; text-decoration: none; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  flex-shrink: 0;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #d1dde8;
  border-radius: 2px;
  transition: transform .25s, opacity .25s;
}

/* ══════════════════════════════════════════
   NEWS META STRIP
══════════════════════════════════════════ */
.news-meta-strip {
  border-bottom: 1px solid var(--clr-border);
  background: #ffffff;
}
.news-meta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px 20px;
  flex-wrap: wrap;
  padding-top: 10px;
  padding-bottom: 10px;
}
.news-meta-inner p {
  margin: 0;
  font-size: 12.5px;
  color: #5a7080;
}

/* ══════════════════════════════════════════
   HERO
══════════════════════════════════════════ */
.hero {
  padding: 52px 0 40px;
  background: linear-gradient(160deg, #ffffff 0%, #f0f5ff 100%);
  border-bottom: 1px solid var(--clr-border);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 3fr) minmax(0, 2fr);
  gap: 48px;
  align-items: start;
}

.hero-kicker {
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-teal);
  margin-bottom: 14px;
  display: block;
}

.hero-text h1 {
  font-family: 'Playfair Display', serif;
  font-size: 40px;
  line-height: 1.2;
  margin-bottom: 20px;
  color: var(--clr-navy);
  font-weight: 800;
}

.lead {
  font-size: 17px;
  color: #3a5068;
  line-height: 1.72;
  margin-bottom: 20px;
  font-weight: 400;
}

.hero-bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
}
.hero-bullets li {
  padding: 7px 0 7px 26px;
  position: relative;
  font-size: 15px;
  color: var(--clr-text);
  border-bottom: 1px solid var(--clr-border);
}
.hero-bullets li:last-child { border-bottom: none; }
.hero-bullets li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--clr-teal);
  font-weight: 700;
}

.hero-trust-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin: 0 0 22px;
}
.hero-trust-pill {
  border: 1.5px solid #c5d8e8;
  background: rgba(13,148,136,.06);
  color: #2a4a62;
  border-radius: 999px;
  padding: 5px 12px;
  font-size: 12px;
  font-weight: 600;
}

.hero-side { display: flex; flex-direction: column; gap: 0; }

.hero-card {
  background: var(--clr-navy);
  color: #d1dde8;
  border-radius: var(--radius-lg);
  padding: 28px 26px 24px;
  box-shadow: 0 20px 50px rgba(10,22,40,.28);
  border: 1px solid var(--clr-navy-light);
  position: sticky;
  top: 90px;
}
.hero-card-img-wrap {
  margin: -28px -26px 20px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  overflow: hidden;
  height: 160px;
}
.hero-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
  filter: brightness(.82) saturate(.9);
}

.hero-card-tag {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-gold-light);
  margin-bottom: 10px;
  display: block;
}
.hero-card h2 {
  font-size: 20px;
  color: #f0f4fa;
  margin-bottom: 12px;
  font-family: 'Playfair Display', serif;
}
.hero-card p { font-size: 14px; color: #8faec8; margin-bottom: 16px; }
.hero-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}
.hero-checklist li {
  font-size: 13.5px;
  padding: 6px 0 6px 22px;
  position: relative;
  color: #b8cfe0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.hero-checklist li:last-child { border-bottom: none; }
.hero-checklist li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--clr-gold-light);
  font-weight: 700;
}

/* ══════════════════════════════════════════
   STATS STRIP
══════════════════════════════════════════ */
.stats-strip {
  background: var(--clr-navy);
  padding: 32px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 16px 20px;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 800;
  color: var(--clr-gold-light);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 12.5px;
  color: #7a9ab8;
  line-height: 1.5;
  max-width: 180px;
}
.stat-src {
  font-size: 10px;
  color: var(--clr-gold);
  vertical-align: super;
}
.stats-footnotes {
  padding-top: 12px;
  border-top: 1px solid rgba(255,255,255,.06);
  margin-top: 4px;
}
.stats-footnotes p {
  font-size: 11px;
  color: #4a6070;
  margin: 0;
  line-height: 1.6;
}

/* ══════════════════════════════════════════
   ARTICLE
══════════════════════════════════════════ */
.article-section {
  background: var(--clr-white);
  border-bottom: 1px solid var(--clr-border);
  padding: 52px 0 56px;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 2.6fr) minmax(0, 1fr);
  gap: 40px;
  align-items: flex-start;
}

.article-body { max-width: 780px; }

.article-figure { margin: 28px 0; }
.article-figure-sm { margin: 20px 0 24px; }
.article-img {
  width: 100%;
  border-radius: var(--radius-lg);
  object-fit: cover;
  box-shadow: 0 8px 28px rgba(10,22,40,.13);
  border: 2px solid var(--clr-border);
  display: block;
  max-height: 420px;
}
.article-figure-sm .article-img { max-height: 300px; }
figcaption {
  font-size: 12px;
  color: var(--clr-muted);
  margin-top: 8px;
  padding-left: 4px;
  font-style: italic;
}

.article-meta {
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--clr-muted);
  margin-bottom: 20px;
  display: block;
}

.article-body h2 {
  font-family: 'Playfair Display', serif;
  font-size: 24px;
  margin-top: 32px;
  color: var(--clr-navy);
}
.article-body h3 { font-size: 18px; margin-top: 24px; }
.article-body p  { margin-bottom: 16px; font-size: 15.5px; line-height: 1.75; }
.article-body ul,
.article-body ol  { margin-bottom: 16px; }
.article-body li  { font-size: 15px; margin-bottom: 7px; }

blockquote {
  margin: 28px 0;
  padding: 22px 24px 22px 28px;
  background: linear-gradient(135deg, #f0faf9, #f5f0e8);
  border-left: 4px solid var(--clr-gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  box-shadow: 0 2px 10px rgba(0,0,0,.05);
  font-style: italic;
  font-size: 16.5px;
  color: #2a4a62;
  line-height: 1.7;
}
blockquote cite {
  display: block;
  margin-top: 10px;
  font-size: 12.5px;
  font-style: normal;
  color: var(--clr-muted);
  font-weight: 600;
}

.insight-panel {
  margin: 22px 0 20px;
  background: #f5f8ff;
  border: 1.5px solid #d0ddf0;
  border-radius: var(--radius-md);
  padding: 18px 18px 10px;
}
.insight-panel h3 {
  font-size: 15px;
  margin: 0 0 10px;
  color: var(--clr-navy);
}
.insight-panel ul { margin: 0; padding-left: 1.1rem; }
.insight-panel li { margin-bottom: 8px; font-size: 14px; }

/* Method cards */
.method-section {
  margin: 32px 0;
}
.method-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.method-card {
  background: var(--clr-white);
  border-radius: var(--radius-md);
  padding: 20px;
  box-shadow: var(--shadow-sm);
  border: 1.5px solid var(--clr-border);
  transition: transform .2s, box-shadow .2s;
}
.method-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: #b8cfe0;
}

.method-icon-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.method-icon {
  width: 32px;
  height: 32px;
  color: var(--clr-teal);
  flex-shrink: 0;
}
.method-step {
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: .1em;
  color: var(--clr-gold);
  background: rgba(201,150,58,.1);
  border: 1px solid rgba(201,150,58,.25);
  border-radius: 4px;
  padding: 2px 7px;
}
.method-card h3 { font-size: 14.5px; margin-bottom: 7px; color: var(--clr-navy); }
.method-card p  { font-size: 13px; color: #4a6070; margin: 0; line-height: 1.6; }

/* Inline CTA */
.inline-cta {
  margin: 30px 0;
  background: linear-gradient(135deg, #f0faf9, #faf6ee);
  border: 1.5px solid #b8d8d4;
  border-radius: var(--radius-md);
  padding: 22px 22px 20px;
}
.inline-cta h3 { font-size: 16px; margin-bottom: 8px; color: var(--clr-navy); }
.inline-cta p  { font-size: 14px; margin-bottom: 16px; }

.article-disclaimer {
  font-size: 12.5px;
  color: var(--clr-muted);
  border-left: 3px solid var(--clr-border);
  padding: 12px 14px;
  background: var(--clr-slate-100);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-top: 28px;
}

/* Sidebar */
.article-sidebar { padding-top: 4px; }

.sidebar-card {
  background: var(--clr-navy);
  color: #d1dde8;
  border-radius: var(--radius-md);
  padding: 24px 22px;
  margin-bottom: 20px;
  position: sticky;
  top: 90px;
  box-shadow: 0 10px 28px rgba(10,22,40,.22);
  border: 1px solid var(--clr-navy-light);
}
.sidebar-card h3     { font-size: 16px; color: #f0f4fa; margin-bottom: 10px; }
.sidebar-card p      { font-size: 13.5px; color: #8faec8; margin-bottom: 14px; }
.sidebar-tag {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-gold-light);
  margin-bottom: 8px;
  display: block;
}

.sidebar-card-light {
  background: var(--clr-white);
  border: 1.5px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  position: static;
}
.sidebar-card-light h3 { color: var(--clr-navy); }

.sidebar-card-services {
  background: linear-gradient(160deg, var(--clr-navy-light), var(--clr-navy));
  position: static;
}

.toc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.toc-list li { margin-bottom: 6px; }
.toc-list a {
  font-size: 13.5px;
  color: var(--clr-teal);
  display: flex;
  align-items: center;
  gap: 6px;
}
.toc-list a::before {
  content: "→";
  font-size: 11px;
  color: var(--clr-gold);
}

.sidebar-services-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.sidebar-services-list li {
  display: flex;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,.07);
  margin-bottom: 0;
}
.sidebar-services-list li:last-child { border-bottom: none; }
.service-icon {
  color: var(--clr-gold-light);
  font-size: 16px;
  flex-shrink: 0;
  margin-top: 2px;
}
.sidebar-services-list strong { font-size: 13.5px; color: #e8ecf2; display: block; margin-bottom: 3px; }
.sidebar-services-list p { font-size: 12px; color: #7a9ab8; margin: 0; line-height: 1.5; }

/* ══════════════════════════════════════════
   QUIZ
══════════════════════════════════════════ */
.quiz-section {
  padding: 56px 0 60px;
  background: linear-gradient(160deg, #f0f5ff 0%, #f5f7fa 100%);
  border-top: 1px solid var(--clr-border);
}

.quiz-container { max-width: 860px; }

.quiz-trust-icons {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 16px;
}
.quiz-trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  color: #3a5068;
  font-weight: 500;
}
.quiz-trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--clr-teal);
  flex-shrink: 0;
}

.quiz-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-teal);
  background: rgba(13,148,136,.1);
  border: 1px solid rgba(13,148,136,.2);
  border-radius: 999px;
  padding: 5px 14px;
  margin-bottom: 14px;
}
.quiz-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: 30px;
  margin-bottom: 10px;
}
.quiz-header p { font-size: 15.5px; color: #3a5068; }

.quiz-form {
  margin-top: 28px;
  background: var(--clr-white);
  border-radius: var(--radius-lg);
  padding: 32px 32px 28px;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--clr-border);
}

.quiz-progress {
  height: 5px;
  background: var(--clr-border);
  border-radius: 999px;
  overflow: hidden;
  margin-top: 20px;
  margin-bottom: 0;
}
.quiz-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--clr-teal), var(--clr-gold));
  border-radius: 999px;
  transition: width .4s ease;
}

.quiz-step-counter {
  font-size: 13px;
  color: var(--clr-muted);
  margin: 14px 0 22px;
  font-weight: 600;
  text-align: center;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.quiz-step { display: none; }
.quiz-step.active { display: block; }

@keyframes shake {
  0%,100% { transform: translateX(0); }
  25% { transform: translateX(-5px); }
  75% { transform: translateX(5px); }
}
.quiz-step.shake { animation: shake .35s; }

.quiz-question {
  font-weight: 700;
  font-size: 16px;
  margin-bottom: 16px;
  color: var(--clr-navy);
  line-height: 1.5;
}

.quiz-option {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--clr-border);
  margin-bottom: 10px;
  font-size: 14.5px;
  cursor: pointer;
  transition: all .2s ease;
  background: #fafcff;
  color: var(--clr-text);
  line-height: 1.5;
}
.quiz-option input {
  margin-top: 2px;
  cursor: pointer;
  flex-shrink: 0;
  accent-color: var(--clr-teal);
}
.quiz-option:hover {
  border-color: var(--clr-teal);
  background: rgba(13,148,136,.04);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(13,148,136,.1);
}
.quiz-option:has(input:checked) {
  border-color: var(--clr-navy);
  background: #f0f5ff;
  box-shadow: 0 4px 14px rgba(10,22,40,.1);
  transform: translateY(-1px);
}

.quiz-controls {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  margin-top: 28px;
  padding-top: 22px;
  border-top: 1px solid var(--clr-border);
  flex-wrap: wrap;
}

.quiz-result {
  margin-top: 20px;
  border-radius: var(--radius-md);
  padding: 22px 22px 20px;
  border: 1.5px solid;
}
.quiz-result.result-low    { background: #fff8f0; border-color: #f0c080; color: #6b3a10; }
.quiz-result.result-medium { background: #f0faf9; border-color: #9ad0cc; color: #0f4a44; }
.quiz-result.result-high   { background: #f0f5ff; border-color: #a0b8d8; color: #0a2040; }
.quiz-result h3 { margin-bottom: 8px; font-size: 18px; }
.quiz-result p  { font-size: 14.5px; margin-bottom: 14px; }

/* ══════════════════════════════════════════
   CALL / CTA SECTION
══════════════════════════════════════════ */
.call-section {
  padding: 56px 0 60px;
  background: var(--clr-white);
  border-top: 1px solid var(--clr-border);
}

.call-grid {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(0, 2.5fr);
  gap: 48px;
  align-items: flex-start;
}

.call-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-gold);
  background: rgba(201,150,58,.1);
  border: 1px solid rgba(201,150,58,.25);
  border-radius: 999px;
  padding: 5px 14px;
  margin-bottom: 16px;
}

.call-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  margin-bottom: 14px;
  color: var(--clr-navy);
}
.call-text p { font-size: 15px; color: #3a5068; }

.call-list {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}
.call-list li {
  font-size: 14.5px;
  padding: 6px 0 6px 4px;
  color: var(--clr-text);
  border-bottom: 1px solid var(--clr-border);
}
.call-list li:last-child { border-bottom: none; }

.call-contact-pills {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 20px 0 16px;
}
.contact-pill {
  display: flex;
  flex-direction: column;
  padding: 12px 16px;
  background: var(--clr-navy);
  border-radius: var(--radius-md);
  text-decoration: none !important;
  transition: background .2s;
}
.contact-pill:hover { background: var(--clr-navy-light); }
.pill-label {
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--clr-gold-light);
  margin-bottom: 3px;
}
.pill-value {
  font-size: 15px;
  font-weight: 600;
  color: #e8ecf2;
}

.call-legal { font-size: 12px; color: var(--clr-muted); }
.call-legal a { color: var(--clr-teal); }

/* CTA form card */
.call-form-card {
  background: var(--clr-navy);
  border-radius: var(--radius-lg);
  padding: 28px 26px 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--clr-navy-light);
  color: #d1dde8;
}
.call-form-tag {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--clr-gold-light);
  margin-bottom: 6px;
  display: block;
}
.call-form-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  color: #f0f4fa;
  margin-bottom: 20px;
}

/* ══════════════════════════════════════════
   CONTACT
══════════════════════════════════════════ */
.contact-section {
  padding: 56px 0 60px;
  background: linear-gradient(160deg, var(--clr-navy) 0%, var(--clr-navy-mid) 100%);
  color: #d1dde8;
}

.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(0, 3fr);
  gap: 48px;
  align-items: flex-start;
}

.contact-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  color: #f0f4fa;
  margin-bottom: 14px;
}
.contact-text p { font-size: 14.5px; color: #8faec8; }

.contact-info {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
}
.contact-info li {
  font-size: 14px;
  color: #8faec8;
  padding: 8px 0;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.contact-info li:last-child { border-bottom: none; }
.contact-info a  { color: var(--clr-teal-light); }
.contact-info a:hover { color: #5ecec7; }
.contact-icon { color: var(--clr-gold); font-size: 14px; flex-shrink: 0; margin-top: 2px; }

/* Forms (shared — dark variant for contact, light for CTA) */
.contact-form,
.call-form-card form {
  display: flex;
  flex-direction: column;
}

.contact-form {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: var(--radius-lg);
  padding: 24px 22px 20px;
}

.form-row { margin-bottom: 14px; }
.form-row label {
  display: block;
  font-size: 13px;
  margin-bottom: 5px;
  font-weight: 500;
}
.contact-form .form-row label,
.call-form-card .form-row label { color: #a8c0d4; }
.req { color: var(--clr-gold-light); }

/* Dark inputs (contact & CTA card) */
.contact-form .form-row input,
.contact-form .form-row textarea,
.call-form-card .form-row input,
.call-form-card .form-row select {
  width: 100%;
  padding: 10px 13px;
  border-radius: var(--radius-sm);
  border: 1.5px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.06);
  color: #e8ecf2;
  font-size: 14px;
  font-family: inherit;
  transition: border-color .15s, box-shadow .15s;
}
.contact-form .form-row input:focus,
.contact-form .form-row textarea:focus,
.call-form-card .form-row input:focus,
.call-form-card .form-row select:focus {
  outline: none;
  border-color: var(--clr-teal);
  box-shadow: 0 0 0 3px rgba(13,148,136,.18);
}
.contact-form .form-row input::placeholder,
.contact-form .form-row textarea::placeholder,
.call-form-card .form-row input::placeholder { color: #4a6880; }
.call-form-card .form-row select { color: #a8c0d4; }
.call-form-card .form-row select option { background: var(--clr-navy); color: #e8ecf2; }

.checkbox-row label.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.5px;
  color: #7a9ab8 !important;
  cursor: pointer;
}
.checkbox-row input[type="checkbox"] {
  width: auto;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--clr-teal);
}

.form-note {
  font-size: 11.5px;
  color: #5a7080;
  margin-top: 8px;
  margin-bottom: 0;
}
.contact-form .form-note { color: #4a6070; }

/* Form success / error */
.form-success-message,
.form-error-message {
  margin-top: 20px;
  padding: 24px 20px;
  border-radius: var(--radius-md);
  text-align: center;
}

.form-success-message {
  background: linear-gradient(135deg, #f0faf9, #f5f0e0);
  border: 1.5px solid var(--clr-teal);
  color: #0f3a34;
}
.form-success-icon { font-size: 42px; margin-bottom: 10px; color: var(--clr-teal); font-weight: 700; }
.form-success-message h3,
.form-success-message h4 { font-size: 18px; color: #0a2a26; margin-bottom: 10px; }
.form-success-message p { font-size: 14px; color: #1a5248; margin-bottom: 6px; }
.form-success-redirect { font-size: 12.5px; color: var(--clr-teal); font-weight: 600; margin-top: 12px; }
.form-success-actions {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 18px;
}

.form-error-message {
  background: #fef2f2;
  border: 1.5px solid #ef4444;
  color: #991b1b;
}
.form-error-icon { font-size: 36px; margin-bottom: 10px; }
.form-error-message h3 { font-size: 18px; color: #991b1b; margin-bottom: 8px; }
.form-error-message p { font-size: 14px; color: #b91c1c; margin-bottom: 14px; }

/* ══════════════════════════════════════════
   FOOTER
══════════════════════════════════════════ */
.site-footer {
  background: var(--clr-navy-mid);
  color: #5a7a90;
  padding: 0;
  border-top: 3px solid var(--clr-gold);
}

.footer-disclaimer-section {
  background: rgba(0,0,0,.25);
  padding: 20px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.footer-disclaimer-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}
.footer-disclaimer-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 10px;
}
.footer-disclaimer-icon { color: var(--clr-gold); font-size: 16px; }
.footer-disclaimer-title {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: #c0d0de;
  margin: 0;
}
.footer-disclaimer-text { font-size: 12px; line-height: 1.65; color: #7a9ab8; margin: 0; }

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 2.2fr) minmax(0, 1fr) minmax(0, 1fr);
  gap: 32px;
  padding-top: 36px;
  padding-bottom: 28px;
  align-items: flex-start;
}

.footer-brand { display: flex; flex-direction: column; gap: 12px; }

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 4px;
}
.footer-logo .logo-mark {
  width: 34px;
  height: 34px;
  font-size: 15px;
  background: linear-gradient(135deg, var(--clr-gold), #8a5a1a);
  color: #fff;
  font-weight: 800;
  font-family: 'Playfair Display', serif;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 6px;
  flex-shrink: 0;
}
.footer-logo .logo-text { font-size: 14px; font-weight: 700; color: #d0dde8; }

.footer-brand-text { font-size: 12.5px; line-height: 1.65; color: #7a9ab8; margin: 0 0 6px; }
.footer-brand-legal { font-size: 12px; line-height: 1.8; color: #7a9ab8; margin-top: 6px; }
.footer-brand-legal strong { color: var(--clr-gold-light); font-weight: 600; }
.footer-brand-legal a { color: inherit; }
.footer-brand-legal a:hover { color: var(--clr-teal-light); text-decoration: underline; }

.footer-col { display: flex; flex-direction: column; gap: 6px; }
.footer-col h4 {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: #c0d0de;
  margin: 0 0 6px;
}
.footer-col a {
  font-size: 13px;
  color: #7a9ab8;
  margin-bottom: 4px;
  transition: color .15s;
  text-decoration: none;
}
.footer-col a:hover { color: #c0d0de; }
.footer-col a.footer-cta-link { color: var(--clr-gold-light); font-weight: 600; margin-top: 4px; }
.footer-col a.footer-cta-link:hover { color: var(--clr-gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 14px 0;
  background: rgba(0,0,0,.2);
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.footer-copyright { font-size: 11.5px; color: #4a6070; margin: 0; }
.footer-advertorial-badge {
  display: inline-block;
  padding: 5px 12px;
  background: rgba(201,150,58,.15);
  border: 1px solid rgba(201,150,58,.35);
  color: var(--clr-gold-light);
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 4px;
  text-decoration: none;
  transition: background .15s;
}
.footer-advertorial-badge:hover { background: rgba(201,150,58,.25); }

/* ══════════════════════════════════════════
   COOKIE BANNER
══════════════════════════════════════════ */
.cookie-banner {
  position: fixed;
  inset-inline: 0;
  bottom: 0;
  z-index: 200;
  background: rgba(5,12,28,.97);
  backdrop-filter: blur(8px);
  color: #d1dde8;
  padding: 14px 0 16px;
  display: none;
  border-top: 1px solid rgba(255,255,255,.08);
}
.cookie-banner.show { display: block; }

.cookie-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 24px;
}
.cookie-inner p {
  margin: 0;
  flex: 1 1 260px;
  font-size: 12.5px;
  color: #7a9ab8;
  line-height: 1.55;
}
.cookie-inner a { color: var(--clr-teal-light); }
.cookie-actions { display: flex; flex-wrap: wrap; gap: 8px; flex-shrink: 0; }

/* ══════════════════════════════════════════
   RESPONSIVE
══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero-grid       { grid-template-columns: 1fr; gap: 32px; }
  .hero-card       { position: static; max-width: 560px; }
  .stats-grid      { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-right: 1px solid rgba(255,255,255,.08); }
  .article-layout  { grid-template-columns: minmax(0, 1fr); }
  .article-sidebar { display: none; }
  .call-grid       { grid-template-columns: 1fr; gap: 32px; }
  .contact-grid    { grid-template-columns: 1fr; gap: 32px; }
  .method-grid     { grid-template-columns: repeat(3, 1fr); gap: 12px; }
}

@media (max-width: 768px) {
  .hero { padding: 36px 0 32px; }
  .hero-text h1 { font-size: 30px; }
  .lead { font-size: 15.5px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .method-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; padding-top: 28px; }
}

@media (max-width: 640px) {
  .header-inner { padding: 12px 16px; gap: 12px; }
  .logo-text { display: none; }
  .nav-toggle { display: flex; }

  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--clr-navy);
    border-top: 1px solid rgba(255,255,255,.08);
    padding: 12px 16px 16px;
    flex-direction: column;
    gap: 0;
    z-index: 99;
  }
  .main-nav.open { display: flex; }
  .main-nav a {
    padding: 9px 0;
    font-size: 14px;
    border-bottom: 1px solid rgba(255,255,255,.06);
  }
  .main-nav a:last-child { border-bottom: none; }

  .hero-text h1 { font-size: 26px; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 0; }
  .stat-num { font-size: 28px; }

  .quiz-form { padding: 18px 16px 16px; }
  .quiz-header h2 { font-size: 24px; }

  .call-grid { gap: 24px; }
  .call-form-card { padding: 20px 16px 18px; }

  .contact-form { padding: 18px 14px 16px; }

  .footer-bottom-inner { flex-direction: column; align-items: flex-start; gap: 8px; }
  .cookie-inner { flex-direction: column; align-items: flex-start; }
  .cookie-actions { width: 100%; }
  .cookie-actions button { flex: 1; }
}