/* ── Reset ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

/* ── Tokens ─────────────────────────────────────────────── */
:root {
  --navy:        #1B2D5B;
  --navy-deep:   #12192B;
  --navy-mid:    #243672;
  --gold:        #C9922A;
  --gold-light:  #F0C96B;
  --gold-pale:   #FDF3DC;
  --cream:       #FAF8F4;
  --white:       #FFFFFF;
  --gray-mid:    #6B7280;
  --gray-light:  #E5E7EB;
  --text:        #12192B;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', system-ui, sans-serif;
  --radius:       8px;
  --radius-lg:    14px;
  --shadow:       0 4px 24px rgba(18,25,43,0.10);
  --shadow-lg:    0 8px 40px rgba(18,25,43,0.18);
}

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

/* ── Nav ─────────────────────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding: 0 32px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.nav-logo-text { font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--white); letter-spacing: -0.2px; }
.nav-logo-text span { color: var(--gold-light); }
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.75); text-decoration: none; font-size: 14px; font-weight: 500; transition: color 0.15s; }
.nav-links a:hover { color: var(--white); }
.nav-cta { background: var(--gold); color: var(--navy-deep) !important; padding: 8px 20px; border-radius: var(--radius); font-weight: 700 !important; transition: background 0.15s, transform 0.1s !important; }
.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }
.nav-mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; flex-direction: column; gap: 5px; }
.nav-mobile-toggle span { display: block; width: 22px; height: 2px; background: var(--white); border-radius: 2px; }

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  background: var(--navy);
  min-height: 580px;
  display: grid;
  grid-template-columns: 1fr 420px;
  align-items: center;
  gap: 48px;
  padding: 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 40%, rgba(201,146,42,0.10) 0%, transparent 65%);
  pointer-events: none;
}
.hero-eyebrow { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.hero-headline { font-family: var(--font-display); font-size: clamp(38px, 4.5vw, 58px); font-weight: 800; color: var(--white); line-height: 1.12; margin-bottom: 22px; letter-spacing: -0.5px; }
.hero-headline .accent { color: var(--gold-light); }
.hero-subhead { font-size: 17px; color: rgba(255,255,255,0.72); line-height: 1.65; max-width: 500px; margin-bottom: 36px; }
.hero-cta-row { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.hero-graphic { position: relative; height: 340px; display: flex; align-items: center; justify-content: center; }

/* ── Buttons ─────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold); color: var(--navy-deep);
  font-family: var(--font-body); font-size: 16px; font-weight: 700;
  padding: 14px 30px; border-radius: var(--radius);
  text-decoration: none; border: none; cursor: pointer;
  transition: background 0.15s, transform 0.12s, box-shadow 0.15s;
  box-shadow: 0 4px 16px rgba(201,146,42,0.35);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 6px 24px rgba(201,146,42,0.45); }
.btn-ghost { font-size: 14px; color: rgba(255,255,255,0.70); text-decoration: none; font-weight: 500; border-bottom: 1px solid rgba(255,255,255,0.25); padding-bottom: 2px; transition: color 0.15s, border-color 0.15s; }
.btn-ghost:hover { color: var(--white); border-color: var(--white); }
.btn-gold-outline { display: inline-flex; align-items: center; gap: 8px; background: transparent; border: 2px solid var(--gold); color: var(--gold); font-family: var(--font-body); font-size: 15px; font-weight: 700; padding: 13px 28px; border-radius: var(--radius); text-decoration: none; transition: background 0.15s, color 0.15s; }
.btn-gold-outline:hover { background: var(--gold); color: var(--navy-deep); }

/* ── Trust strip ─────────────────────────────────────────── */
.trust-strip { background: var(--navy-deep); padding: 18px 80px; display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.65); font-size: 13px; font-weight: 500; }
.trust-icon { color: var(--gold); font-size: 16px; }

/* ── Section commons ─────────────────────────────────────── */
.section { padding: 80px; }
.section-eyebrow { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.section-title { font-family: var(--font-display); font-size: clamp(28px, 3vw, 40px); font-weight: 700; color: var(--navy); line-height: 1.2; margin-bottom: 14px; letter-spacing: -0.3px; }
.section-sub { font-size: 16px; color: var(--gray-mid); max-width: 540px; line-height: 1.65; margin-bottom: 48px; }

/* ── Articles ────────────────────────────────────────────── */
.articles-section { background: var(--cream); }
.articles-header { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 40px; gap: 16px; flex-wrap: wrap; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; color: var(--gold); text-decoration: none; font-size: 14px; font-weight: 600; white-space: nowrap; transition: gap 0.15s; }
.link-arrow:hover { gap: 10px; }
.link-arrow::after { content: '→'; }
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card { background: var(--white); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); border: 1px solid rgba(27,45,91,0.06); text-decoration: none; color: inherit; display: flex; flex-direction: column; gap: 14px; transition: transform 0.15s, box-shadow 0.15s; }
.article-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.article-tag { display: inline-block; background: var(--gold-pale); color: var(--gold); font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 4px 10px; border-radius: 20px; width: fit-content; }
.article-title { font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--navy); line-height: 1.35; }
.article-excerpt { font-size: 14px; color: var(--gray-mid); line-height: 1.6; flex: 1; }
.article-meta { font-size: 12px; color: var(--gray-mid); font-weight: 500; margin-top: 4px; }

/* ── Mid-page CTA ────────────────────────────────────────── */
.midcta-section { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-mid) 55%, #2E4494 100%); padding: 72px 80px; text-align: center; position: relative; overflow: hidden; }
.midcta-section::before { content: ''; position: absolute; top: -60px; right: -60px; width: 300px; height: 300px; border-radius: 50%; background: radial-gradient(circle, rgba(201,146,42,0.18) 0%, transparent 70%); pointer-events: none; }
.midcta-label { font-size: 12px; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.midcta-headline { font-family: var(--font-display); font-size: clamp(26px, 3.5vw, 44px); font-weight: 800; color: var(--white); margin-bottom: 16px; letter-spacing: -0.3px; }
.midcta-sub { font-size: 16px; color: rgba(255,255,255,0.68); max-width: 480px; margin: 0 auto 36px; line-height: 1.65; }
.midcta-note { font-size: 12px; color: rgba(255,255,255,0.40); margin-top: 16px; }

/* ── How It Works ────────────────────────────────────────── */
.howitworks-section { background: var(--white); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; position: relative; }
.steps-grid::before { content: ''; position: absolute; top: 32px; left: calc(16.66% + 16px); right: calc(16.66% + 16px); height: 2px; background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%); z-index: 0; }
.step { text-align: center; padding: 0 32px; position: relative; z-index: 1; }
.step-num { width: 64px; height: 64px; border-radius: 50%; background: var(--navy); color: var(--white); font-family: var(--font-display); font-size: 22px; font-weight: 700; display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; border: 3px solid var(--gold); box-shadow: 0 0 0 6px var(--white); }
.step-title { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-text { font-size: 15px; color: var(--gray-mid); line-height: 1.6; }

/* ── Partners ────────────────────────────────────────────── */
.partners-section { background: var(--navy); padding: 72px 80px; }
.partners-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.partners-content .section-title { color: var(--white); margin-bottom: 16px; }
.partners-content .section-sub { color: rgba(255,255,255,0.65); margin-bottom: 32px; }
.partners-bullets { display: flex; flex-direction: column; gap: 20px; }
.partners-bullet { display: flex; gap: 16px; align-items: flex-start; }
.bullet-icon { width: 40px; height: 40px; border-radius: var(--radius); background: rgba(201,146,42,0.15); color: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.bullet-title { font-weight: 600; color: var(--white); margin-bottom: 4px; font-size: 15px; }
.bullet-text { font-size: 14px; color: rgba(255,255,255,0.58); line-height: 1.55; }

/* ── Footer ──────────────────────────────────────────────── */
footer { background: var(--navy-deep); padding: 56px 80px 32px; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand p { color: rgba(255,255,255,0.50); font-size: 14px; line-height: 1.65; margin-top: 14px; max-width: 280px; }
.footer-col h4 { font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 14px; transition: color 0.15s; }
.footer-col ul li a:hover { color: var(--white); }
.footer-divider { height: 1px; background: rgba(255,255,255,0.08); margin-bottom: 28px; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.35); line-height: 1.6; max-width: 700px; }
.footer-bottom-links { display: flex; gap: 20px; flex-shrink: 0; }
.footer-bottom-links a { font-size: 12px; color: rgba(255,255,255,0.40); text-decoration: none; transition: color 0.15s; }
.footer-bottom-links a:hover { color: var(--white); }

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; padding: 56px 32px; }
  .hero-graphic { display: none; }
  .trust-strip { padding: 18px 32px; gap: 24px; }
  .section { padding: 56px 32px; }
  .articles-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps-grid::before { display: none; }
  .partners-inner { grid-template-columns: 1fr; gap: 40px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .midcta-section { padding: 56px 32px; }
  .howitworks-section { padding: 56px 32px; }
  .partners-section { padding: 56px 32px; }
  footer { padding: 48px 32px 24px; }
  .nav { padding: 0 20px; }
  .nav-links { gap: 16px; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .nav-mobile-toggle { display: flex; }
  body.nav-open .nav-links { display: flex; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--navy); padding: 24px 32px; gap: 20px; border-bottom: 1px solid rgba(255,255,255,0.08); z-index: 99; }
  .footer-top { grid-template-columns: 1fr; }
  .articles-header { flex-direction: column; align-items: flex-start; }
}


/* ══════════════════════════════════════════════════════════
   ARTICLE PAGE — single.php
   ══════════════════════════════════════════════════════════ */

/* ── Article Hero ──────────────────────────────────────── */
.article-hero {
  background: var(--navy);
  padding: 60px 80px 52px;
  position: relative;
  overflow: hidden;
}
.article-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,146,42,0.08) 0%, transparent 65%);
  pointer-events: none;
}
.article-hero-inner {
  max-width: 860px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.article-hero-cat {
  display: inline-block;
  background: rgba(201,146,42,0.18);
  color: var(--gold-light);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 20px;
  text-decoration: none;
  margin-bottom: 20px;
  transition: background 0.15s;
}
.article-hero-cat:hover { background: rgba(201,146,42,0.28); }
.article-hero-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 46px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  letter-spacing: -0.4px;
  margin-bottom: 20px;
}
.article-hero-meta {
  font-size: 13px;
  color: rgba(255,255,255,0.50);
  display: flex;
  align-items: center;
  gap: 8px;
}
.meta-dot { opacity: 0.4; }

/* ── Article Wrap + Layout ─────────────────────────────── */
.article-wrap {
  background: var(--cream);
  padding: 56px 80px 80px;
}
.article-layout {
  max-width: 1160px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 56px;
  align-items: start;
}

/* ── Article Content (prose) ───────────────────────────── */
.article-content {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 52px;
  box-shadow: var(--shadow);
  border: 1px solid rgba(27,45,91,0.06);
  min-width: 0;
}
.article-content h2 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--navy);
  margin: 40px 0 14px;
  line-height: 1.3;
  letter-spacing: -0.2px;
}
.article-content h2:first-child { margin-top: 0; }
.article-content h3 {
  font-family: var(--font-display);
  font-size: 19px;
  font-weight: 700;
  color: var(--navy);
  margin: 28px 0 10px;
}
.article-content p {
  font-size: 16px;
  line-height: 1.75;
  color: #2D3748;
  margin-bottom: 20px;
}
.article-content ul,
.article-content ol {
  margin: 0 0 20px 24px;
}
.article-content li {
  font-size: 16px;
  line-height: 1.7;
  color: #2D3748;
  margin-bottom: 8px;
}
.article-content strong { color: var(--navy); font-weight: 600; }
.article-content a { color: var(--gold); text-decoration: underline; }
.article-content a:hover { color: var(--navy); }
.article-content hr { border: none; border-top: 1px solid var(--gray-light); margin: 36px 0; }

/* ── Mid-Article CTA ───────────────────────────────────── */
.mid-article-cta {
  margin: 36px -20px;
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.mid-cta-inner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 36px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.mid-cta-inner::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,146,42,0.15) 0%, transparent 70%);
}
.mid-cta-eyebrow {
  font-size: 11px !important;
  font-weight: 700 !important;
  letter-spacing: 2px !important;
  text-transform: uppercase !important;
  color: var(--gold) !important;
  margin-bottom: 8px !important;
}
.mid-cta-headline {
  font-family: var(--font-display);
  font-size: 22px !important;
  font-weight: 700 !important;
  color: var(--white) !important;
  margin-bottom: 10px !important;
}
.mid-cta-sub {
  font-size: 14px !important;
  color: rgba(255,255,255,0.65) !important;
  max-width: 400px;
  margin: 0 auto 24px !important;
  line-height: 1.6 !important;
}
.mid-cta-btn { font-size: 15px !important; padding: 12px 28px !important; color: var(--navy-deep) !important; text-decoration: none !important; }
.mid-cta-note {
  font-size: 11px !important;
  color: rgba(255,255,255,0.35) !important;
  margin-top: 12px !important;
}

/* ── Bottom CTA ────────────────────────────────────────── */
.bottom-article-cta {
  margin-top: 48px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 2px solid var(--gold);
}
.bottom-article-cta a.btn-primary { color: var(--navy-deep) !important; text-decoration: none !important; }
.bottom-cta-inner {
  background: var(--gold-pale);
  padding: 40px 44px;
  text-align: center;
}
.bottom-cta-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.bottom-cta-headline {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.bottom-cta-sub {
  font-size: 15px;
  color: var(--gray-mid);
  max-width: 440px;
  margin: 0 auto 28px;
  line-height: 1.65;
}
.bottom-cta-note {
  font-size: 12px;
  color: var(--gray-mid);
  margin-top: 12px;
}

/* ── Sidebar ───────────────────────────────────────────── */
.article-sidebar {
  position: sticky;
  top: 80px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* Sidebar CTA Card */
.sidebar-cta-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  text-align: center;
}
.sidebar-cta-badge {
  display: inline-block;
  background: rgba(201,146,42,0.20);
  color: var(--gold-light);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 16px;
}
.sidebar-cta-headline {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  line-height: 1.3;
  margin-bottom: 10px;
}
.sidebar-cta-sub {
  font-size: 13px;
  color: rgba(255,255,255,0.60);
  line-height: 1.6;
  margin-bottom: 20px;
}
.sidebar-cta-btn {
  width: 100%;
  justify-content: center;
  font-size: 14px !important;
  padding: 12px 20px !important;
}
.sidebar-cta-bullets {
  list-style: none;
  margin: 16px 0 0;
  padding: 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 14px;
}
.sidebar-cta-bullets li {
  font-size: 12px;
  color: rgba(255,255,255,0.50);
  margin-bottom: 6px;
  text-align: left;
}

/* Sidebar Related Articles */
.sidebar-related {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow);
  border: 1px solid rgba(27,45,91,0.06);
}
.sidebar-related-title {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--gray-light);
}
.sidebar-related-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.sidebar-related-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-decoration: none;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--gray-light);
}
.sidebar-related-item:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-related-cat {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--gold);
}
.sidebar-related-name {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.4;
  transition: color 0.15s;
}
.sidebar-related-item:hover .sidebar-related-name { color: var(--gold); }

/* ── Article Responsive ────────────────────────────────── */
@media (max-width: 900px) {
  .article-hero { padding: 40px 32px; }
  .article-wrap { padding: 32px 24px 56px; }
  .article-layout { grid-template-columns: 1fr; gap: 32px; }
  .article-content { padding: 32px 28px; }
  .article-sidebar { position: static; }
  .mid-article-cta { margin: 32px 0; }
  .mid-cta-inner { padding: 28px 24px; }
  .bottom-cta-inner { padding: 32px 24px; }
}
.archive-hero { background: var(--navy); padding: 60px 80px; }
.archive-hero-inner { max-width: 700px; margin: 0 auto; text-align: center; }
.archive-hero-title { font-family: var(--font-display); font-size: clamp(32px, 4vw, 48px); font-weight: 800; color: var(--white); margin-bottom: 14px; }
.archive-hero-sub { font-size: 17px; color: rgba(255,255,255,0.65); line-height: 1.65; }
.archive-wrap { background: var(--cream); padding: 60px 80px; }
.archive-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 1160px; margin: 0 auto; }
@media (max-width: 900px) { .archive-grid { grid-template-columns: 1fr; } .archive-hero { padding: 40px 32px; } .archive-wrap { padding: 40px 32px; } }