/* ==========================================================================
   Finance Business Debt — core stylesheet
   Mobile-first. Breakpoint rules live in responsive.css.
   ========================================================================== */

:root {
  /* Brand palette */
  --navy-900: #0B1730;
  --navy-800: #122445;
  --navy-700: #1B335F;
  --blue-500: #326BFF;
  --blue-600: #2554D6;
  --blue-100: #E4ECFF;
  --teal-500: #13B8A6;
  --teal-100: #DDF7F3;
  --gold-500: #C6A667;
  --gold-100: #F6EFDF;
  --off-white: #F7F9FC;
  --slate-500: #64748B;
  --slate-700: #334155;
  --slate-200: #E2E8F0;
  --slate-100: #F1F5F9;
  --white: #FFFFFF;
  --red-600: #C2410C;
  --red-100: #FEF0E7;
  --green-700: #0F766E;

  /* Semantic */
  --bg: var(--white);
  --bg-soft: var(--off-white);
  --text: #16213A;
  --text-muted: var(--slate-500);
  --border: var(--slate-200);
  --link: var(--blue-600);

  /* Type */
  --font-heading: "Manrope", "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --fs-xs: 0.8125rem;
  --fs-sm: 0.9375rem;
  --fs-md: 1.0625rem;
  --fs-lg: 1.1875rem;
  --fs-xl: 1.375rem;
  --fs-2xl: 1.75rem;
  --fs-3xl: 2.125rem;
  --fs-4xl: 2.625rem;
  --lh-body: 1.65;

  /* Layout */
  --container: 1200px;
  --gutter: 1rem;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11, 23, 48, 0.06), 0 1px 3px rgba(11, 23, 48, 0.04);
  --shadow: 0 6px 20px rgba(11, 23, 48, 0.08);
  --shadow-lg: 0 18px 50px rgba(11, 23, 48, 0.14);
  --header-h: 72px;
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
}

/* --------------------------------------------------------------------------
   Reset & base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-md);
  line-height: var(--lh-body);
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--navy-900);
  margin: 0 0 0.6em;
  overflow-wrap: break-word;
}
h1 { font-size: var(--fs-3xl); letter-spacing: -0.025em; }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-xl); }
h4 { font-size: var(--fs-lg); }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.3em; }
li { margin-bottom: 0.4em; }
a { color: var(--link); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--navy-800); }
strong { font-weight: 600; color: var(--navy-900); }
small { font-size: var(--fs-sm); }
hr { border: 0; border-top: 1px solid var(--border); margin: 2rem 0; }
table { border-collapse: collapse; width: 100%; font-size: var(--fs-sm); }
th, td { text-align: left; padding: 0.75rem 0.85rem; border-bottom: 1px solid var(--border); vertical-align: top; }
th { font-family: var(--font-heading); font-weight: 700; color: var(--navy-900); background: var(--slate-100); }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
address { font-style: normal; }

:focus-visible { outline: 3px solid var(--blue-500); outline-offset: 3px; border-radius: 4px; }
.skip-link {
  position: absolute; left: 1rem; top: -4rem; z-index: 1000;
  background: var(--navy-900); color: var(--white); padding: 0.6rem 1rem; border-radius: var(--radius-sm);
  text-decoration: none; font-weight: 600;
}
.skip-link:focus { top: 1rem; }
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; border: 0; padding: 0; margin: -1px;
}

/* --------------------------------------------------------------------------
   Layout helpers
   -------------------------------------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.container--narrow { max-width: 820px; }
.container--wide { max-width: 1320px; }
.section { padding: 3.5rem 0; }
.section--tight { padding: 2.5rem 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 100%); color: #D6DEEE; }
.section--navy h1, .section--navy h2, .section--navy h3, .section--navy h4, .section--navy strong { color: var(--white); }
.section--navy a { color: #BFD0FF; }
.section--navy a:hover { color: var(--white); }
.section-head { max-width: 720px; margin-bottom: 2rem; }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { font-size: var(--fs-lg); color: var(--text-muted); }
.section--navy .section-head p { color: #B8C4DC; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-family: var(--font-heading); font-size: var(--fs-xs); font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue-600); margin-bottom: 0.9rem;
}
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--teal-500); border-radius: 2px; }
.section--navy .eyebrow { color: var(--teal-500); }
.grid { display: grid; gap: 1.25rem; }
.grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
.flow > * + * { margin-top: 1rem; }
.lead { font-size: var(--fs-lg); color: var(--slate-700); }
.text-center { text-align: center; }
.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  min-height: 48px; padding: 0.75rem 1.4rem; border-radius: 999px;
  font-family: var(--font-heading); font-weight: 700; font-size: var(--fs-sm);
  text-decoration: none; border: 2px solid transparent; line-height: 1.2;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), background-color 0.2s, color 0.2s, border-color 0.2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--primary { background: var(--blue-500); color: var(--white); box-shadow: 0 6px 18px rgba(50, 107, 255, 0.28); }
.btn--primary:hover { background: var(--blue-600); color: var(--white); box-shadow: 0 10px 24px rgba(50, 107, 255, 0.34); }
.btn--secondary { background: var(--white); color: var(--navy-900); border-color: var(--slate-200); }
.btn--secondary:hover { border-color: var(--navy-800); color: var(--navy-900); }
.btn--navy { background: var(--navy-900); color: var(--white); }
.btn--navy:hover { background: var(--navy-800); color: var(--white); }
.btn--light { background: var(--white); color: var(--navy-900); }
.btn--light:hover { background: var(--off-white); color: var(--navy-900); }
.btn--outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.45); }
.btn--outline-light:hover { border-color: var(--white); color: var(--white); background: rgba(255,255,255,0.06); }
.btn--sm { min-height: 40px; padding: 0.5rem 1.05rem; font-size: var(--fs-xs); }
.btn--block { width: 100%; }
.btn .icon { width: 18px; height: 18px; }
.btn-group { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.text-link {
  display: inline-flex; align-items: center; gap: 0.35rem; font-family: var(--font-heading); font-weight: 700;
  font-size: var(--fs-sm); color: var(--blue-600); text-decoration: none;
}
.text-link::after { content: "→"; transition: transform 0.2s var(--ease); }
.text-link:hover::after { transform: translateX(3px); }

/* --------------------------------------------------------------------------
   Icons
   -------------------------------------------------------------------------- */
.icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.icon-badge {
  width: 52px; height: 52px; border-radius: 14px; display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--blue-100), var(--teal-100)); color: var(--navy-800); margin-bottom: 1rem;
}
.icon-badge .icon { width: 26px; height: 26px; }
.icon-badge--teal { background: var(--teal-100); color: var(--green-700); }
.icon-badge--gold { background: var(--gold-100); color: #8A6D2E; }
.icon-badge--navy { background: var(--navy-900); color: var(--white); }

/* --------------------------------------------------------------------------
   Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 900; background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(160%) blur(10px); -webkit-backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid transparent; transition: border-color 0.2s, box-shadow 0.2s;
}
.site-header.is-scrolled { border-bottom-color: var(--border); box-shadow: var(--shadow-sm); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: var(--header-h); gap: 1rem; }
.logo { display: inline-flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.logo img { display: block; height: 34px; width: auto; max-width: 100%; }
.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center; width: 46px; height: 46px;
  border-radius: 12px; border: 1px solid var(--border); background: var(--white); color: var(--navy-900);
}
.nav-toggle .icon { width: 22px; height: 22px; }
.nav-toggle .icon--close { display: none; }
.nav-toggle[aria-expanded="true"] .icon--menu { display: none; }
.nav-toggle[aria-expanded="true"] .icon--close { display: block; }
.header-cta { display: none; }

.site-nav {
  position: absolute; top: 100%; left: 0; right: 0; height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h));
  background: var(--white); overflow-y: auto;
  padding: 1rem var(--gutter) 2rem; transform: translateX(100%); visibility: hidden;
  transition: transform 0.3s var(--ease), visibility 0s linear 0.3s;
  border-top: 1px solid var(--border);
}
.site-nav.is-open { transform: translateX(0); visibility: visible; transition: transform 0.3s var(--ease), visibility 0s; }
.nav-list { list-style: none; margin: 0; padding: 0; }
.nav-item { border-bottom: 1px solid var(--border); }
.nav-link, .nav-trigger {
  display: flex; align-items: center; justify-content: space-between; width: 100%; gap: 0.5rem;
  padding: 0.95rem 0.25rem; font-family: var(--font-heading); font-weight: 700; font-size: 1.0625rem;
  color: var(--navy-900); text-decoration: none; background: none; border: 0; text-align: left;
}
.nav-trigger .icon { width: 18px; height: 18px; transition: transform 0.2s var(--ease); }
.nav-trigger[aria-expanded="true"] .icon { transform: rotate(180deg); }
.nav-sub { display: none; list-style: none; margin: 0 0 0.75rem; padding: 0 0 0 0.25rem; }
.nav-item.is-open > .nav-sub { display: block; }
.nav-sub a {
  display: block; padding: 0.55rem 0.75rem; border-radius: var(--radius-sm); color: var(--slate-700);
  text-decoration: none; font-size: var(--fs-sm);
}
.nav-sub a:hover, .nav-sub a:focus-visible { background: var(--slate-100); color: var(--navy-900); }
.nav-sub a[aria-current="page"], .nav-link[aria-current="page"] { color: var(--blue-600); }
.nav-sub__title { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-muted); padding: 0.75rem 0.75rem 0.25rem; }
.nav-mobile-cta { margin-top: 1.25rem; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(50,107,255,0.14), transparent 60%),
    radial-gradient(600px 360px at -10% 100%, rgba(19,184,166,0.12), transparent 60%),
    var(--off-white);
  padding: 3rem 0 3.5rem;
}
.hero::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0.5;
  background-image: linear-gradient(rgba(11,23,48,0.05) 1px, transparent 1px), linear-gradient(90deg, rgba(11,23,48,0.05) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(70% 70% at 70% 30%, #000 20%, transparent 100%);
  -webkit-mask-image: radial-gradient(70% 70% at 70% 30%, #000 20%, transparent 100%);
}
.hero .container { position: relative; }
.hero-grid { display: grid; gap: 2.5rem; align-items: center; }
.hero h1 { font-size: clamp(2rem, 5.5vw, 3.35rem); margin-bottom: 1rem; }
.hero h1 em { font-style: normal; color: var(--blue-600); }
.hero .lead { max-width: 560px; margin-bottom: 1.6rem; }
.hero-points { list-style: none; padding: 0; margin: 1.5rem 0 0; display: grid; gap: 0.5rem; font-size: var(--fs-sm); color: var(--slate-700); }
.hero-points li { display: flex; gap: 0.6rem; align-items: flex-start; }
.hero-points .icon { width: 20px; height: 20px; color: var(--teal-500); margin-top: 2px; }
.hero-visual { position: relative; }
.hero-visual svg { width: 100%; height: auto; filter: drop-shadow(0 24px 40px rgba(11,23,48,0.18)); }

/* Hero enquiry form */
.hero-split { display: grid; gap: 2rem; align-items: center; }
.hero-form-col { width: 100%; }
.hero-form {
  background: var(--white); color: var(--text); border-radius: var(--radius-lg); padding: 1.35rem 1.25rem 1.25rem;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border); width: 100%; max-width: 480px;
}
.hero-form h2 { font-size: var(--fs-lg); color: var(--navy-900); margin-bottom: 0.3rem; }
.hero-form > .form-note { margin-bottom: 0.9rem; color: var(--slate-700); }
.hero-form .form { gap: 0.7rem; }
.hero-form .form-row { gap: 0.7rem; }
.hero-form .field { gap: 0.25rem; }
.hero-form .field label { font-size: var(--fs-xs); }
.hero-form .field input[type="text"], .hero-form .field input[type="email"], .hero-form .field input[type="tel"], .hero-form .field select, .hero-form .field textarea { min-height: 42px; padding: 0.5rem 0.75rem; font-size: var(--fs-sm); }
.hero-form .field textarea { min-height: 76px; }
.hero-form .field--check label { font-size: var(--fs-xs); }
.hero-form .btn { min-height: 46px; }
.hero-form .form .form-note { margin: 0; }
.page-hero .hero-form a { color: var(--blue-600); }
.page-hero .hero-form .form-note, .page-hero .hero-form label { color: var(--slate-700); }
.page-hero .hero-form .field label, .page-hero .hero-form h2 { color: var(--navy-900); }
.page-hero .hero-form .error { color: var(--red-600); }

/* Inner page hero */
.page-hero { background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 70%, #163058 100%); color: #D6DEEE; padding: 2.25rem 0 2.75rem; position: relative; overflow: hidden; }
.page-hero::after {
  content: ""; position: absolute; right: -120px; top: -140px; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(50,107,255,0.35), transparent 65%); pointer-events: none;
}
.page-hero .container { position: relative; }
.page-hero h1 { color: var(--white); font-size: clamp(1.9rem, 4.5vw, 2.9rem); max-width: 820px; }
.page-hero .lead { color: #B8C4DC; max-width: 720px; margin-bottom: 0; }
.page-hero .eyebrow { color: var(--teal-500); }
.page-hero .btn-group { margin-top: 1.5rem; }
.page-hero--light { background: var(--off-white); color: var(--text); }
.page-hero--light h1 { color: var(--navy-900); }
.page-hero--light .lead { color: var(--slate-700); }
.page-hero--light::after { display: none; }

/* --------------------------------------------------------------------------
   Breadcrumbs
   -------------------------------------------------------------------------- */
.breadcrumbs { font-size: var(--fs-xs); margin-bottom: 1.25rem; }
.breadcrumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 0.35rem; align-items: center; }
.breadcrumbs li { margin: 0; display: inline-flex; align-items: center; gap: 0.35rem; }
.breadcrumbs li + li::before { content: "/"; opacity: 0.45; }
.breadcrumbs a { color: inherit; opacity: 0.8; text-decoration: none; }
.breadcrumbs a:hover { opacity: 1; text-decoration: underline; }
.breadcrumbs [aria-current="page"] { opacity: 1; font-weight: 600; }

/* --------------------------------------------------------------------------
   Cards
   -------------------------------------------------------------------------- */
.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow-sm); position: relative;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), border-color 0.25s;
  display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #CBD5E1; }
.card h3 { font-size: var(--fs-lg); margin-bottom: 0.5rem; }
.card p { color: var(--slate-700); font-size: var(--fs-sm); margin-bottom: 1rem; }
.card .text-link { margin-top: auto; }
.card--link { text-decoration: none; color: inherit; }
.card--link h3 { color: var(--navy-900); }
.card--feature { border-top: 4px solid var(--blue-500); }
.card--teal { border-top-color: var(--teal-500); }
.card--gold { border-top-color: var(--gold-500); }
.card--navy { background: var(--navy-900); color: #D6DEEE; border-color: var(--navy-800); }
.card--navy h3 { color: var(--white); }
.card--navy p { color: #B8C4DC; }
.card--navy .text-link { color: #BFD0FF; }
.section--navy .card { background: rgba(255,255,255,0.05); border-color: rgba(255,255,255,0.12); box-shadow: none; }
.section--navy .card h3 { color: var(--white); }
.section--navy .card p { color: #B8C4DC; }
.section--navy .card .text-link { color: #BFD0FF; }
.section--navy .icon-badge { background: rgba(255,255,255,0.1); color: var(--teal-500); }

/* Pressure / pain-point list */
.pressure-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.85rem; }
.pressure-list li { display: flex; gap: 0.85rem; align-items: flex-start; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 0.9rem 1rem; font-size: var(--fs-sm); }
.pressure-list .icon { color: var(--blue-500); margin-top: 2px; }

/* Editorial / article cards */
.post-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; text-decoration: none; color: inherit; transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease); }
.post-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.post-card__media { height: 120px; background: linear-gradient(135deg, var(--navy-800), var(--navy-900)); position: relative; overflow: hidden; }
.post-card__media::after { content: ""; position: absolute; inset: 0; background: radial-gradient(260px 120px at 90% 10%, rgba(50,107,255,0.5), transparent 70%), radial-gradient(200px 100px at 10% 90%, rgba(19,184,166,0.35), transparent 70%); }
.post-card__media svg { position: absolute; right: 16px; bottom: 12px; width: 64px; height: 64px; color: rgba(255,255,255,0.75); z-index: 1; }
.post-card__media--teal { background: linear-gradient(135deg, #0F6D64, var(--navy-900)); }
.post-card__media--blue { background: linear-gradient(135deg, #2554D6, var(--navy-900)); }
.post-card__media--gold { background: linear-gradient(135deg, #8A6D2E, var(--navy-900)); }
.post-card__body { padding: 1.25rem 1.35rem 1.4rem; display: flex; flex-direction: column; flex: 1; }
.post-card__tag { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal-500); margin-bottom: 0.5rem; }
.post-card h3 { font-size: var(--fs-lg); margin-bottom: 0.5rem; color: var(--navy-900); }
.post-card p { font-size: var(--fs-sm); color: var(--slate-700); margin-bottom: 1rem; }
.post-card .text-link { margin-top: auto; }

/* --------------------------------------------------------------------------
   Steps
   -------------------------------------------------------------------------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.25rem; counter-reset: step; }
.step { position: relative; padding: 1.5rem 1.5rem 1.5rem 1.5rem; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); counter-increment: step; }
.step__num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy-900); color: var(--white); font-family: var(--font-heading); font-weight: 800; margin-bottom: 0.9rem; }
.step h3 { font-size: var(--fs-lg); margin-bottom: 0.4rem; }
.step p { font-size: var(--fs-sm); color: var(--slate-700); margin: 0; }
.section--navy .step { background: rgba(255,255,255,0.05); border-color: rgba(255,255,255,0.12); }
.section--navy .step__num { background: var(--teal-500); color: var(--navy-900); }

/* --------------------------------------------------------------------------
   Comparison
   -------------------------------------------------------------------------- */
.compare-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--border); border-radius: var(--radius); background: var(--white); }
.compare { min-width: 680px; }
.compare th:first-child, .compare td:first-child { position: sticky; left: 0; background: var(--white); font-weight: 600; color: var(--navy-900); min-width: 160px; }
.compare thead th:first-child { background: var(--slate-100); }
.compare th { white-space: nowrap; }
.compare td { color: var(--slate-700); }
.compare tbody tr:last-child td { border-bottom: 0; }

.option-grid { display: grid; gap: 1rem; }
.option { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.35rem; border-left: 5px solid var(--blue-500); }
.option--teal { border-left-color: var(--teal-500); }
.option--gold { border-left-color: var(--gold-500); }
.option--navy { border-left-color: var(--navy-900); }
.option h3 { font-size: var(--fs-lg); margin-bottom: 0.35rem; }
.option dl { margin: 0.75rem 0 0; display: grid; gap: 0.5rem; font-size: var(--fs-sm); }
.option dt { font-weight: 700; color: var(--navy-900); font-family: var(--font-heading); font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: 0.06em; }
.option dd { margin: 0 0 0.35rem; color: var(--slate-700); }

/* --------------------------------------------------------------------------
   Why / value points
   -------------------------------------------------------------------------- */
.value-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 1rem; }
.value-list li { display: flex; gap: 1rem; align-items: flex-start; }
.value-list .icon-badge { width: 44px; height: 44px; border-radius: 12px; margin: 0; flex-shrink: 0; }
.value-list .icon-badge .icon { width: 22px; height: 22px; }
.value-list h3 { font-size: var(--fs-md); margin-bottom: 0.25rem; }
.value-list p { font-size: var(--fs-sm); color: var(--slate-700); margin: 0; }

/* --------------------------------------------------------------------------
   FAQ accordion (native details)
   -------------------------------------------------------------------------- */
.faq { display: grid; gap: 0.75rem; }
.faq details { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 0 1.15rem; }
.faq details[open] { border-color: #BFCBE0; box-shadow: var(--shadow-sm); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1rem 0; font-family: var(--font-heading); font-weight: 700; color: var(--navy-900); font-size: var(--fs-md);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; background: var(--slate-100);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B1730' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E");
  background-size: 14px; background-repeat: no-repeat; background-position: center; transition: transform 0.2s var(--ease);
}
.faq details[open] summary::after { transform: rotate(45deg); }
.faq summary:focus-visible { outline-offset: 0; }
.faq .faq__body { padding: 0 0 1.1rem; color: var(--slate-700); font-size: var(--fs-sm); }
.faq .faq__body p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   Callouts
   -------------------------------------------------------------------------- */
.callout { border-radius: var(--radius); padding: 1.15rem 1.25rem; border: 1px solid var(--border); background: var(--slate-100); font-size: var(--fs-sm); margin: 1.5rem 0; }
.callout p:last-child { margin-bottom: 0; }
.callout__title { display: flex; align-items: center; gap: 0.5rem; font-family: var(--font-heading); font-weight: 700; color: var(--navy-900); margin-bottom: 0.4rem; font-size: var(--fs-md); }
.callout--info { background: var(--blue-100); border-color: #C7D6FF; }
.callout--warning { background: var(--gold-100); border-color: #E9D8B0; }
.callout--alert { background: var(--red-100); border-color: #F5C9B0; }
.callout--teal { background: var(--teal-100); border-color: #B5E9E1; }

/* --------------------------------------------------------------------------
   Prose (long-form)
   -------------------------------------------------------------------------- */
.prose { max-width: 760px; }
.prose h2 { margin-top: 2.25rem; font-size: var(--fs-2xl); }
.prose h3 { margin-top: 1.75rem; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--slate-700); }
.prose li::marker { color: var(--blue-500); }
.prose blockquote { margin: 1.5rem 0; padding: 0.25rem 0 0.25rem 1.25rem; border-left: 4px solid var(--teal-500); color: var(--navy-900); font-family: var(--font-heading); font-weight: 600; font-size: var(--fs-lg); }
.prose table { margin: 1.5rem 0; }
.prose img { border-radius: var(--radius); }
.prose .callout { margin: 1.75rem 0; }
.prose-intro { font-size: var(--fs-lg); color: var(--slate-700); }
.key-points { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem 1.4rem; margin: 0 0 2rem; }
.key-points h2, .key-points h3 { font-size: var(--fs-md); margin-bottom: 0.6rem; margin-top: 0; }
.key-points ul { margin: 0; padding-left: 1.2rem; font-size: var(--fs-sm); }
.key-points li { margin-bottom: 0.35rem; }

/* Sidebar layout */
.layout { display: grid; gap: 2.5rem; }
.sidebar { display: grid; gap: 1.25rem; align-content: start; }
.sidebar-box { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.35rem; }
.sidebar-box h2, .sidebar-box h3 { font-size: var(--fs-md); margin-bottom: 0.75rem; }
.sidebar-box ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.4rem; font-size: var(--fs-sm); }
.sidebar-box li { margin: 0; }
.sidebar-box a { text-decoration: none; color: var(--slate-700); display: block; padding: 0.3rem 0; border-bottom: 1px dashed var(--border); }
.sidebar-box li:last-child a { border-bottom: 0; }
.sidebar-box a:hover { color: var(--blue-600); }
.sidebar-box--cta { background: var(--navy-900); color: #D6DEEE; border-color: var(--navy-800); }
.sidebar-box--cta h2, .sidebar-box--cta h3 { color: var(--white); }
.sidebar-box--cta p { font-size: var(--fs-sm); color: #B8C4DC; }
.article-meta { display: flex; flex-wrap: wrap; gap: 0.5rem 1.25rem; font-size: var(--fs-xs); color: var(--text-muted); margin-bottom: 1.5rem; }
.article-meta span { display: inline-flex; align-items: center; gap: 0.35rem; }
.article-meta .icon { width: 16px; height: 16px; }

/* --------------------------------------------------------------------------
   CTA band
   -------------------------------------------------------------------------- */
.cta-band { position: relative; overflow: hidden; background: linear-gradient(135deg, var(--navy-900), #163058 60%, #1B3A7A); color: #D6DEEE; padding: 3rem 0; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(500px 240px at 90% 20%, rgba(19,184,166,0.28), transparent 70%); pointer-events: none; }
.cta-band .container { position: relative; display: grid; gap: 1.5rem; }
.cta-band h2 { color: var(--white); font-size: clamp(1.6rem, 3.5vw, 2.25rem); margin-bottom: 0.5rem; }
.cta-band p { color: #B8C4DC; margin: 0; max-width: 640px; }
.cta-band .btn-group { align-self: center; }

/* --------------------------------------------------------------------------
   Trust strip (no fabricated statistics)
   -------------------------------------------------------------------------- */
.trust-strip { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.trust-strip ul { list-style: none; margin: 0; padding: 1rem 0; display: grid; gap: 0.75rem; font-size: var(--fs-sm); color: var(--slate-700); }
.trust-strip li { display: flex; gap: 0.6rem; align-items: center; }
.trust-strip .icon { color: var(--teal-500); width: 20px; height: 20px; }

/* --------------------------------------------------------------------------
   Forms
   -------------------------------------------------------------------------- */
.form { display: grid; gap: 1.1rem; }
.field { display: grid; gap: 0.4rem; }
.field label, .field legend { font-family: var(--font-heading); font-weight: 700; font-size: var(--fs-sm); color: var(--navy-900); }
.field .hint { font-size: var(--fs-xs); color: var(--text-muted); }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field input[type="number"], .field select, .field textarea {
  width: 100%; min-height: 48px; padding: 0.7rem 0.9rem; border: 1px solid #CBD5E1; border-radius: var(--radius-sm);
  background: var(--white); transition: border-color 0.2s, box-shadow 0.2s;
}
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(50,107,255,0.18); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--red-600); }
.field .error { display: none; font-size: var(--fs-xs); color: var(--red-600); font-weight: 600; }
.field.has-error .error { display: flex; align-items: center; gap: 0.3rem; }
.field--check { grid-template-columns: auto 1fr; align-items: start; gap: 0.6rem; }
.field--check input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--blue-500); }
.field--check label { font-weight: 500; font-size: var(--fs-sm); color: var(--slate-700); }
.field--check .error { grid-column: 1 / -1; }
.form-row { display: grid; gap: 1.1rem; }
.form-status { display: none; padding: 1rem 1.1rem; border-radius: var(--radius-sm); font-size: var(--fs-sm); border: 1px solid; }
.form-status.is-visible { display: block; }
.form-status--success { background: var(--teal-100); border-color: #9FDDD3; color: var(--green-700); }
.form-status--error { background: var(--red-100); border-color: #F5C9B0; color: #9A3412; }
.form-status--info { background: var(--gold-100); border-color: #E9D8B0; color: #6B4F12; }
.hp-field { position: absolute; left: -9999px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.form-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem 1.5rem; box-shadow: var(--shadow); }
.form-card h2 { font-size: var(--fs-xl); }
.form-note { font-size: var(--fs-xs); color: var(--text-muted); }

/* --------------------------------------------------------------------------
   Tools (calculator / guide)
   -------------------------------------------------------------------------- */
.tool { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.5rem; box-shadow: var(--shadow-sm); }
.tool h2 { font-size: var(--fs-xl); }
.tool fieldset { border: 0; padding: 0; margin: 0 0 1.25rem; }
.tool legend { font-family: var(--font-heading); font-weight: 700; color: var(--navy-900); margin-bottom: 0.75rem; font-size: var(--fs-md); }
.facility { display: grid; gap: 0.75rem; padding: 1rem; border: 1px dashed #CBD5E1; border-radius: var(--radius-sm); margin-bottom: 0.75rem; background: var(--off-white); }
.facility__head { display: flex; justify-content: space-between; align-items: center; font-family: var(--font-heading); font-weight: 700; font-size: var(--fs-sm); color: var(--navy-900); }
.facility__remove { background: none; border: 0; color: var(--red-600); font-size: var(--fs-xs); font-weight: 600; text-decoration: underline; padding: 0.25rem; }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 0.85rem; top: 50%; transform: translateY(-50%); color: var(--text-muted); font-size: var(--fs-sm); }
.input-prefix input { padding-left: 1.8rem !important; }
.input-suffix { position: relative; }
.input-suffix span { position: absolute; right: 0.85rem; top: 50%; transform: translateY(-50%); color: var(--text-muted); font-size: var(--fs-sm); }
.results { display: none; margin-top: 1.5rem; }
.results.is-visible { display: block; }
.result-grid { display: grid; gap: 0.85rem; }
.result-card { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.1rem 1.2rem; }
.result-card__label { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 0.25rem; }
.result-card__value { font-family: var(--font-heading); font-size: var(--fs-2xl); font-weight: 800; color: var(--navy-900); line-height: 1.1; }
.result-card__sub { font-size: var(--fs-xs); color: var(--text-muted); margin-top: 0.25rem; }
.result-card--highlight { background: var(--navy-900); border-color: var(--navy-800); }
.result-card--highlight .result-card__label, .result-card--highlight .result-card__sub { color: #B8C4DC; }
.result-card--highlight .result-card__value { color: var(--white); }
.result-table { margin-top: 1rem; }
.bar-compare { display: grid; gap: 0.6rem; margin-top: 1.25rem; }
.bar { display: grid; grid-template-columns: 110px 1fr; gap: 0.75rem; align-items: center; font-size: var(--fs-xs); }
.bar__track { height: 14px; background: var(--slate-100); border-radius: 7px; overflow: hidden; }
.bar__fill { height: 100%; border-radius: 7px; background: var(--blue-500); transition: width 0.5s var(--ease); }
.bar__fill--alt { background: var(--teal-500); }
.quiz-step { display: none; }
.quiz-step.is-active { display: block; }
.choice-list { display: grid; gap: 0.6rem; margin: 0 0 1.25rem; padding: 0; list-style: none; }
.choice-list label { display: flex; gap: 0.75rem; align-items: flex-start; padding: 0.9rem 1rem; border: 1px solid #CBD5E1; border-radius: var(--radius-sm); cursor: pointer; background: var(--white); font-size: var(--fs-sm); transition: border-color 0.2s, background-color 0.2s; }
.choice-list label:hover { border-color: var(--blue-500); }
.choice-list input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--blue-500); flex-shrink: 0; }
.choice-list input:checked + span { color: var(--navy-900); font-weight: 600; }
.quiz-progress { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 0.75rem; }
.quiz-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.guide-result { display: none; }
.guide-result.is-visible { display: block; }
.guide-result__item { border: 1px solid var(--border); border-radius: var(--radius); padding: 1.1rem 1.2rem; margin-bottom: 0.85rem; background: var(--off-white); }
.guide-result__item h3 { font-size: var(--fs-md); margin-bottom: 0.3rem; }
.guide-result__item p { font-size: var(--fs-sm); color: var(--slate-700); margin-bottom: 0.5rem; }

/* --------------------------------------------------------------------------
   Contact
   -------------------------------------------------------------------------- */
.contact-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.contact-list li { display: flex; gap: 0.85rem; align-items: flex-start; }
.contact-list .icon { color: var(--blue-500); margin-top: 3px; }
.contact-list strong { display: block; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer { background: var(--navy-900); color: #B8C4DC; font-size: var(--fs-sm); }
.footer-main { padding: 3rem 0 2rem; display: grid; gap: 2rem; }
.footer-brand .logo img { height: 40px; width: auto; }
.footer-brand p { margin: 1rem 0; max-width: 360px; }
.footer-col h2 { color: var(--white); font-size: var(--fs-sm); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 0.9rem; }
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.45rem; }
.footer-col li { margin: 0; }
.footer-col a { color: #B8C4DC; text-decoration: none; }
.footer-col a:hover { color: var(--white); text-decoration: underline; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.12); padding: 1.5rem 0 2rem; font-size: var(--fs-xs); color: #8EA0C0; }
.footer-legal p { margin-bottom: 0.6rem; }
.footer-legal a { color: #B8C4DC; }
.footer-links { display: flex; flex-wrap: wrap; gap: 0.5rem 1.25rem; list-style: none; padding: 0; margin: 0 0 1rem; }
.footer-links li { margin: 0; }
.footer-links a { color: #B8C4DC; text-decoration: none; }
.footer-links a:hover { color: var(--white); text-decoration: underline; }

/* --------------------------------------------------------------------------
   Misc components
   -------------------------------------------------------------------------- */
.pill { display: inline-flex; align-items: center; padding: 0.25rem 0.7rem; border-radius: 999px; background: var(--blue-100); color: var(--blue-600); font-size: var(--fs-xs); font-weight: 700; }
.pill--teal { background: var(--teal-100); color: var(--green-700); }
.pill--gold { background: var(--gold-100); color: #8A6D2E; }
.pill--grey { background: var(--slate-100); color: var(--slate-700); }
.pros-cons { display: grid; gap: 1rem; }
.pros-cons > div { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem; }
.pros-cons h3 { font-size: var(--fs-md); display: flex; align-items: center; gap: 0.5rem; }
.pros-cons ul { margin: 0; padding-left: 1.2rem; font-size: var(--fs-sm); color: var(--slate-700); }
.pros-cons .pros { border-top: 4px solid var(--teal-500); }
.pros-cons .cons { border-top: 4px solid var(--gold-500); }
.checklist { list-style: none; padding: 0; margin: 0 0 1.25rem; display: grid; gap: 0.5rem; }
.checklist li { display: flex; gap: 0.6rem; align-items: flex-start; font-size: var(--fs-sm); color: var(--slate-700); }
.checklist .icon { width: 20px; height: 20px; color: var(--teal-500); margin-top: 3px; }
.stat-note { font-size: var(--fs-xs); color: var(--text-muted); }
.related-grid { display: grid; gap: 1rem; }
.related-grid .card { padding: 1.2rem 1.3rem; }
.related-grid .card h3 { font-size: var(--fs-md); }
.toc { background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.1rem 1.3rem; margin-bottom: 2rem; font-size: var(--fs-sm); }
.toc h2 { font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 0.6rem; }
.toc ol { margin: 0; padding-left: 1.2rem; columns: 1; }
.toc a { color: var(--slate-700); text-decoration: none; }
.toc a:hover { color: var(--blue-600); text-decoration: underline; }
.source-list { font-size: var(--fs-sm); }
.source-list a { word-break: break-word; }
.not-found { text-align: center; padding: 4rem 0; }
.not-found h1 { font-size: clamp(2.2rem, 6vw, 3.5rem); }
.not-found .big { font-family: var(--font-heading); font-size: 5rem; font-weight: 800; color: var(--blue-100); line-height: 1; margin-bottom: 0.5rem; }

/* --------------------------------------------------------------------------
   Motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
  html { scroll-behavior: auto; }
}

/* --------------------------------------------------------------------------
   Print
   -------------------------------------------------------------------------- */
@media print {
  .site-header, .site-footer, .cta-band, .nav-toggle, .btn { display: none !important; }
  body { color: #000; }
  a::after { content: " (" attr(href) ")"; font-size: 0.8em; }
}