/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: #1a2332;
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: all 0.2s ease; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

:root {
  /* Trust palette — deep navy + emerald (banking, fintech, top insurers) */
  --primary: #0a2540;        /* Deep trust navy (Stripe, Northwestern Mutual) */
  --primary-dark: #061a2e;
  --primary-light: #1e3a5f;
  --accent: #059669;         /* Emerald — growth, savings, "approved" */
  --accent-dark: #047857;
  --accent-light: #10b981;
  --dark: #0a2540;
  --gray-900: #0f1f3a;
  --gray-700: #475569;
  --gray-500: #94a3b8;
  --gray-200: #e2e8f0;
  --gray-100: #f1f5f9;
  --gray-50: #f8fafc;
  --success: #059669;
  --gold: #c69749;           /* Subtle gold accent for premium feel */
  --shadow-sm: 0 1px 3px rgba(10,37,64,0.06);
  --shadow-md: 0 4px 14px rgba(10,37,64,0.08);
  --shadow-lg: 0 12px 32px rgba(10,37,64,0.12);
  --shadow-xl: 0 24px 56px rgba(10,37,64,0.18);
  --radius: 12px;
  --radius-lg: 16px;
}

.container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4 { font-family: 'Playfair Display', Georgia, serif; font-weight: 800; color: var(--dark); line-height: 1.2; }
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -0.01em; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; font-family: 'Inter', sans-serif; font-weight: 700; }

.grad {
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.trust-strip {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  padding: 24px 0;
  text-align: center;
}
.trust-strip p {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gray-500);
  margin-bottom: 16px;
  font-weight: 600;
}
.trust-logos {
  display: flex; justify-content: center; align-items: center;
  gap: 48px; flex-wrap: wrap;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--gray-700);
  opacity: 0.7;
}
.trust-logos span { letter-spacing: 0.05em; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 24px;
  border-radius: 8px;
  font-weight: 600; font-size: 0.95rem;
  transition: all 0.25s ease;
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: white;
  box-shadow: 0 4px 14px rgba(5,150,105,0.30);
  font-weight: 700;
  letter-spacing: 0.01em;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 22px rgba(5,150,105,0.42); }
.btn-secondary {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: white;
  box-shadow: 0 4px 14px rgba(10,37,64,0.30);
}
.btn-secondary:hover { transform: translateY(-2px); box-shadow: 0 8px 22px rgba(10,37,64,0.42); }
.btn-ghost {
  background: transparent; color: var(--dark);
  border: 2px solid var(--gray-200);
}
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn-block { width: 100%; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: rgba(5,150,105,0.10);
  color: var(--accent-dark);
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 16px;
  border: 1px solid rgba(5,150,105,0.18);
}
.badge::before {
  content: '✓';
  font-size: 0.7rem;
}
.badge-dark { background: rgba(255,255,255,0.15); color: white; }

/* ===== ANNOUNCEMENT BAR ===== */
.announcement-bar {
  background: var(--primary);
  color: white;
  text-align: center;
  padding: 10px 20px;
  font-size: 0.88rem;
}
.announcement-bar a { color: var(--accent-light); font-weight: 700; }
.announcement-bar a:hover { text-decoration: underline; }

/* ===== TOPBAR (utility) ===== */
.topbar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.82rem;
  color: var(--gray-700);
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 8px 24px;
  gap: 16px;
}
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.topbar-phone {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--primary);
  font-weight: 700;
  letter-spacing: 0.01em;
}
.topbar-phone:hover { color: var(--accent-dark); }
.topbar-divider { color: var(--gray-200); }
.topbar-trust {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--accent-dark);
  font-weight: 600;
}
.topbar a { color: var(--gray-700); font-weight: 500; }
.topbar a:hover { color: var(--primary); }

/* ===== HEADER ===== */
.site-header {
  background: white;
  position: sticky; top: 0; z-index: 100;
  box-shadow: 0 1px 0 var(--gray-200);
  transition: box-shadow 0.25s ease, padding 0.25s ease;
}
.site-header.scrolled {
  box-shadow: 0 4px 20px rgba(10,37,64,0.08);
}
.site-header.scrolled .nav-wrap { padding: 12px 24px; }
.nav-wrap {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 24px;
  gap: 28px;
}
.logo {
  display: flex; align-items: center; gap: 12px;
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.logo-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: white;
  display: flex; align-items: center; justify-content: center;
  border-radius: 10px;
  font-size: 1rem;
  letter-spacing: -0.02em;
  box-shadow: 0 4px 12px rgba(10,37,64,0.15);
}
.logo-text { color: var(--dark); line-height: 1; }
.logo-text span { color: var(--primary); }
.logo-tagline {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 0.65rem;
  color: var(--gray-500);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 4px;
}

/* ===== MAIN NAV ===== */
.main-nav { display: flex; gap: 2px; align-items: center; flex: 1; justify-content: center; }
.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 10px 14px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.94rem;
  color: var(--gray-900);
  position: relative;
  transition: color 0.2s ease;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 4px; left: 14px; right: 14px;
  height: 2px;
  background: var(--accent);
  border-radius: 2px;
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.25s ease;
}
.nav-link:hover { color: var(--primary); }
.nav-link:hover::after { transform: scaleX(1); }
.nav-link.active { color: var(--primary); }
.nav-link.active::after { transform: scaleX(1); }
.nav-caret {
  font-size: 0.65rem;
  opacity: 0.6;
  transition: transform 0.2s ease;
}
.nav-item.has-mega:hover .nav-caret { transform: rotate(180deg); opacity: 1; }

/* ===== MEGA MENU ===== */
.mega-menu {
  position: absolute;
  top: 100%; left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 720px;
  background: white;
  border-radius: 14px;
  box-shadow: 0 16px 48px rgba(10,37,64,0.18);
  padding: 28px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0.22s;
  z-index: 200;
  border: 1px solid var(--gray-100);
}
.nav-item.has-mega:hover .mega-menu,
.nav-item.has-mega:focus-within .mega-menu {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.mega-menu::before {
  content: '';
  position: absolute;
  top: -8px; left: 50%; transform: translateX(-50%) rotate(45deg);
  width: 16px; height: 16px;
  background: white;
  border-top: 1px solid var(--gray-100);
  border-left: 1px solid var(--gray-100);
}
.mega-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}
.mega-item {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 12px;
  border-radius: 10px;
  transition: background 0.2s ease;
}
.mega-item:hover { background: var(--gray-50); }
.mega-icon {
  font-size: 1.5rem;
  width: 38px; height: 38px;
  display: flex; align-items: center; justify-content: center;
  background: var(--gray-50);
  border-radius: 8px;
  flex-shrink: 0;
}
.mega-item:hover .mega-icon { background: white; }
.mega-text { display: flex; flex-direction: column; }
.mega-title {
  font-weight: 700; font-size: 0.92rem; color: var(--dark);
  line-height: 1.3;
}
.mega-desc {
  font-size: 0.78rem; color: var(--gray-500);
  margin-top: 2px;
  line-height: 1.4;
}
.mega-footer {
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--gray-100);
  display: flex; justify-content: space-between; align-items: center;
}
.mega-footer-text { font-size: 0.85rem; color: var(--gray-700); }
.mega-footer-link {
  font-weight: 700; color: var(--primary);
  font-size: 0.88rem;
}
.mega-footer-link:hover { color: var(--accent-dark); }

/* ===== NAV ACTIONS ===== */
.nav-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.search-btn {
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  color: var(--gray-700);
  cursor: pointer;
  transition: all 0.2s ease;
  font-size: 1rem;
}
.search-btn:hover { background: white; border-color: var(--primary); color: var(--primary); }

/* ===== MOBILE MENU ===== */
.menu-toggle {
  display: none;
  flex-direction: column; gap: 5px;
  padding: 10px;
  background: var(--gray-50);
  border-radius: 10px;
  border: 1px solid var(--gray-200);
}
.menu-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-drawer {
  position: fixed; top: 0; right: 0; bottom: 0;
  width: 100%; max-width: 380px;
  background: white;
  z-index: 300;
  box-shadow: -16px 0 48px rgba(10,37,64,0.2);
  transform: translateX(100%);
  transition: transform 0.32s ease;
  overflow-y: auto;
  padding: 24px;
}
.mobile-drawer.open { transform: translateX(0); }
.mobile-overlay {
  position: fixed; inset: 0;
  background: rgba(10,37,64,0.5);
  z-index: 250;
  opacity: 0; visibility: hidden;
  transition: opacity 0.32s ease, visibility 0.32s;
}
.mobile-overlay.open { opacity: 1; visibility: visible; }
.drawer-head {
  display: flex; justify-content: space-between; align-items: center;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 20px;
}
.drawer-close {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: var(--gray-50);
  font-size: 1.2rem;
  color: var(--gray-700);
}
.drawer-section { margin-bottom: 24px; }
.drawer-section h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gray-500);
  margin-bottom: 10px;
  font-weight: 700;
}
.drawer-link {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px;
  border-radius: 10px;
  font-weight: 600;
  color: var(--dark);
  font-size: 0.95rem;
  transition: background 0.18s ease;
}
.drawer-link:hover, .drawer-link.active { background: var(--gray-50); color: var(--primary); }
.drawer-link-icon { font-size: 1.2rem; }
.drawer-cta { margin-top: 24px; padding-top: 24px; border-top: 1px solid var(--gray-200); }
.drawer-cta .btn { width: 100%; padding: 14px; font-size: 1rem; }
.drawer-phone {
  display: flex; align-items: center; gap: 10px;
  margin-top: 12px;
  padding: 12px;
  background: var(--gray-50);
  border-radius: 10px;
  font-weight: 600; color: var(--primary);
  justify-content: center;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, #f0f6fc 0%, #ecfdf5 100%);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(5,150,105,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute; bottom: -150px; left: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(10,37,64,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero h1 { margin-bottom: 24px; }
.hero-sub { font-size: 1.15rem; color: var(--gray-700); margin-bottom: 32px; max-width: 540px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.trust-row {
  display: flex; gap: 36px; padding-top: 28px;
  border-top: 1px solid var(--gray-200);
}
.trust-row > div { display: flex; flex-direction: column; }
.trust-row strong {
  font-size: 1.6rem;
  font-family: 'Playfair Display', serif;
  color: var(--primary);
  font-weight: 800;
}
.trust-row span { font-size: 0.85rem; color: var(--gray-700); }

.hero-visual { position: relative; }
.hero-visual img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  aspect-ratio: 4/5;
  object-fit: cover;
}
.floating-card {
  position: absolute;
  background: white;
  padding: 14px 18px;
  border-radius: 14px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
  animation: float 4s ease-in-out infinite;
}
.floating-card strong { display: block; font-size: 0.95rem; color: var(--dark); }
.floating-card p { font-size: 0.8rem; color: var(--gray-700); margin: 0; }
.fc-icon { font-size: 1.8rem; }
.card-1 { top: 30px; left: -30px; }
.card-2 { bottom: 40px; right: -20px; animation-delay: 2s; }
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

/* ===== ADS ===== */
.ad-container { padding: 30px 0; background: var(--gray-50); }
.ad-label {
  text-align: center;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gray-500);
  margin-bottom: 12px;
}
.ad-container ins {
  min-height: 100px;
  background: white;
  border: 1px dashed var(--gray-200);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-head h2 { margin-bottom: 14px; }
.section-head p { color: var(--gray-700); font-size: 1.1rem; }

/* ===== CATEGORY GRID ===== */
.category-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.category-card {
  background: white;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: all 0.3s ease;
  display: block;
}
.category-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.cat-image {
  height: 180px;
  background-size: cover;
  background-position: center;
  position: relative;
}
.cat-image::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(0,0,0,0.4));
}
.cat-body { padding: 24px; }
.cat-icon { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.cat-body h3 { margin-bottom: 8px; color: var(--dark); }
.cat-body p { color: var(--gray-700); font-size: 0.95rem; margin-bottom: 16px; }
.cat-link { color: var(--primary); font-weight: 600; font-size: 0.9rem; }

/* ===== FEATURED ===== */
.featured-section {
  background: linear-gradient(135deg, var(--dark), #1e293b);
  color: white;
  padding: 80px 0;
}
.featured-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.featured-img {
  height: 400px;
  background-size: cover;
  background-position: center;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
}
.featured-content h2 { color: white; margin-bottom: 20px; }
.featured-content p { color: rgba(255,255,255,0.8); font-size: 1.1rem; margin-bottom: 28px; }

/* ===== ARTICLE GRID ===== */
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.article-card {
  background: white;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: all 0.3s ease;
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.ac-img {
  display: block;
  height: 220px;
  background-size: cover;
  background-position: center;
}
.ac-body { padding: 24px; }
.ac-cat {
  display: inline-block;
  padding: 4px 12px;
  background: rgba(30,64,175,0.1);
  color: var(--primary);
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 14px;
}
.article-card h3 { margin-bottom: 10px; line-height: 1.35; }
.article-card h3 a:hover { color: var(--primary); }
.article-card p { color: var(--gray-700); font-size: 0.95rem; margin-bottom: 14px; }
.ac-meta { font-size: 0.85rem; color: var(--gray-500); }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, #ecfdf5 0%, #f0f6fc 100%);
  padding: 80px 0;
  border-top: 1px solid var(--gray-200);
}
.cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.cta-grid h2 { margin-bottom: 16px; }
.cta-grid > div > p { color: var(--gray-700); font-size: 1.1rem; margin-bottom: 22px; }
.check-list { display: flex; flex-direction: column; gap: 10px; }
.check-list li { color: var(--gray-900); font-weight: 500; }

.quote-box {
  background: white;
  padding: 36px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
}
.quote-box h3 { margin-bottom: 22px; text-align: center; }
.quote-box label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gray-900);
  margin-bottom: 16px;
}
.quote-box input,
.quote-box select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  margin-top: 6px;
  transition: border 0.2s ease;
}
.quote-box input:focus,
.quote-box select:focus { outline: none; border-color: var(--primary); }
.form-note { font-size: 0.75rem; color: var(--gray-500); margin-top: 12px; text-align: center; }

/* ===== NEWSLETTER ===== */
.newsletter-section {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: white;
  padding: 80px 0;
  text-align: center;
}
.newsletter-inner { max-width: 640px; margin: 0 auto; }
.ns-icon { font-size: 3rem; margin-bottom: 16px; }
.newsletter-inner h2 { color: white; margin-bottom: 12px; }
.newsletter-inner > p { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 28px; }
.newsletter-form { display: flex; gap: 10px; max-width: 480px; margin: 0 auto; }
.newsletter-form input {
  flex: 1; padding: 14px 18px;
  border-radius: 8px; border: none;
  font-size: 1rem; font-family: inherit;
}
.newsletter-form .btn { background: var(--gold); color: white; }
.newsletter-form .btn:hover { background: #a87a35; }
.ns-note { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 14px; }

/* ===== FOOTER ===== */
.site-footer {
  background: linear-gradient(180deg, #0a2540 0%, #061a2e 100%);
  color: rgba(255,255,255,0.75);
  padding-top: 64px;
  position: relative;
}
.site-footer::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--primary), var(--gold));
}
.footer-top { padding-bottom: 40px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}
.footer-brand .logo { color: white; margin-bottom: 16px; }
.footer-brand .logo-mark { background: linear-gradient(135deg, var(--accent), var(--accent-dark)); }
.footer-brand .logo-text { color: white; }
.footer-brand .logo-text span { color: var(--accent-light); }
.footer-mission { color: rgba(255,255,255,0.7); margin-bottom: 20px; font-size: 0.92rem; line-height: 1.7; }

.footer-badges { display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }
.footer-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 12px;
  background: rgba(5,150,105,0.12);
  border: 1px solid rgba(5,150,105,0.25);
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  width: fit-content;
}
.footer-badge .badge-icon { color: var(--accent-light); font-weight: 700; }

.footer-contact { font-size: 0.85rem; color: rgba(255,255,255,0.6); line-height: 1.7; }
.footer-contact strong { color: white; display: block; }

.socials { display: flex; gap: 10px; margin-top: 20px; }
.socials a {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  border-radius: 10px;
  color: rgba(255,255,255,0.85);
  transition: all 0.2s ease;
}
.socials a:hover { background: var(--accent); color: white; transform: translateY(-2px); }
.socials a svg { width: 18px; height: 18px; fill: currentColor; }

.footer-col h4 {
  color: white;
  margin-bottom: 20px;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 700;
  font-family: 'Inter', sans-serif;
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col ul a {
  color: rgba(255,255,255,0.7);
  font-size: 0.92rem;
  transition: color 0.18s ease, padding-left 0.18s ease;
  display: inline-block;
}
.footer-col ul a:hover { color: var(--accent-light); padding-left: 4px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  background: rgba(0,0,0,0.2);
}
.footer-bottom-inner {
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
  flex-wrap: wrap;
}
.footer-bottom-inner p { margin: 0; }
.footer-legal-links { display: flex; gap: 18px; }
.footer-legal-links a { color: rgba(255,255,255,0.7); }
.footer-legal-links a:hover { color: white; }

.footer-disclaimer-row {
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.05);
  background: rgba(0,0,0,0.3);
}
.footer-disclaimer-row p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
  text-align: center;
  max-width: 1100px;
  margin: 0 auto;
}

@media (max-width: 968px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }
}

/* ===== ARTICLE PAGE ===== */
.article-page { background: var(--gray-50); padding: 60px 0 80px; }
.article-wrap { max-width: 760px; margin: 0 auto; }
.breadcrumb { font-size: 0.85rem; color: var(--gray-500); margin-bottom: 16px; }
.breadcrumb a { color: var(--primary); }
.article-hero { background: white; padding: 48px; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); margin-bottom: 32px; }
.article-hero h1 { font-size: clamp(2rem, 4vw, 3rem); margin: 16px 0; }
.article-meta { display: flex; gap: 16px; align-items: center; color: var(--gray-700); font-size: 0.9rem; margin-bottom: 24px; }
.author-img { width: 40px; height: 40px; border-radius: 50%; background: var(--primary); color: white; display: flex; align-items: center; justify-content: center; font-weight: 700; }
.article-feature-img { width: 100%; height: 420px; object-fit: cover; border-radius: var(--radius); margin-bottom: 32px; box-shadow: var(--shadow-md); }
.article-body { background: white; padding: 48px; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.article-body h2 { font-size: 1.8rem; margin: 36px 0 16px; }
.article-body h3 { font-size: 1.3rem; margin: 28px 0 12px; }
.article-body p { font-size: 1.08rem; color: #2c3e50; margin-bottom: 18px; line-height: 1.8; }
.article-body ul, .article-body ol { margin: 16px 0 24px 28px; }
.article-body li { font-size: 1.05rem; line-height: 1.8; margin-bottom: 8px; list-style-position: outside; }
.article-body ol li { list-style: decimal; }
.article-body ul li { list-style: disc; }
.article-body img { border-radius: var(--radius); margin: 24px 0; box-shadow: var(--shadow-sm); }
.article-body blockquote {
  background: var(--gray-50);
  border-left: 4px solid var(--primary);
  padding: 20px 28px;
  margin: 24px 0;
  font-style: italic;
  color: var(--gray-900);
  border-radius: 0 8px 8px 0;
}
.article-body a { color: var(--primary); border-bottom: 1px solid var(--primary); font-weight: 500; }
.article-body a:hover { background: rgba(30,64,175,0.05); }

.affiliate-box {
  background: linear-gradient(135deg, #ecfdf5, #f0fdf4);
  border: 2px solid var(--accent);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 32px 0;
  display: flex; align-items: center; gap: 20px;
  box-shadow: 0 4px 16px rgba(5,150,105,0.08);
}
.affiliate-box .ab-icon { font-size: 2.4rem; }
.affiliate-box h4 { font-family: 'Inter', sans-serif; font-size: 1.1rem; margin-bottom: 4px; }
.affiliate-box p { font-size: 0.95rem; color: var(--gray-700); margin-bottom: 0 !important; }
.affiliate-box .btn { flex-shrink: 0; }

.in-article-ad { background: var(--gray-50); border: 1px dashed var(--gray-200); padding: 20px; border-radius: 8px; margin: 32px 0; text-align: center; min-height: 280px; display: flex; align-items: center; justify-content: center; flex-direction: column; }

/* ===== CATEGORY PAGE ===== */
.cat-hero { background: linear-gradient(135deg, var(--dark), var(--primary)); color: white; padding: 80px 0; text-align: center; }
.cat-hero h1 { color: white; margin-bottom: 14px; }
.cat-hero p { font-size: 1.15rem; color: rgba(255,255,255,0.85); max-width: 640px; margin: 0 auto; }

/* ===== PAGE BASE ===== */
.page-section { padding: 60px 0; }
.page-content { max-width: 800px; margin: 0 auto; background: white; padding: 48px; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.page-content h1 { margin-bottom: 24px; }
.page-content h2 { font-size: 1.6rem; margin: 32px 0 14px; }
.page-content p { margin-bottom: 16px; line-height: 1.8; color: #2c3e50; }
.page-content ul { margin: 12px 0 20px 24px; }
.page-content li { list-style: disc; margin-bottom: 8px; line-height: 1.7; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {
  .main-nav { gap: 0; }
  .nav-link { padding: 10px 10px; font-size: 0.88rem; }
  .mega-menu { min-width: 600px; }
  .topbar-hours { display: none; }
}
@media (max-width: 968px) {
  .hero-grid, .featured-grid, .cta-grid { grid-template-columns: 1fr; gap: 40px; }
  .floating-card { display: none; }
  .category-grid, .article-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero { padding: 60px 0 70px; }
  .section { padding: 60px 0; }
  .article-body, .article-hero, .page-content { padding: 28px; }
  .affiliate-box { flex-direction: column; text-align: center; }
  .main-nav { display: none; }
  .search-btn { display: none; }
  .menu-toggle { display: flex; }
  .topbar-trust { display: none; }
}
@media (max-width: 640px) {
  .nav-actions .btn { display: none; }
  .category-grid, .article-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust-row { gap: 20px; flex-wrap: wrap; }
  .newsletter-form { flex-direction: column; }
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; }
  .topbar-inner { font-size: 0.78rem; padding: 6px 16px; }
  .topbar-right { display: none; }
  .nav-wrap { padding: 14px 16px; gap: 12px; }
  .logo { font-size: 1.2rem; }
  .logo-mark { width: 36px; height: 36px; }
  .logo-tagline { display: none; }
}