/* ============================
   KERNEL — Financial Analytics
   Main Stylesheet
   ============================ */

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

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:      #0D2240;
  --navy-mid:  #1A3A5C;
  --blue:      #1E5FA8;
  --blue-lt:   #3A7FD5;
  --accent:    #E8A820;
  --gray-dark: #374151;
  --gray:      #6B7280;
  --gray-lt:   #9CA3AF;
  --border:    #E5E7EB;
  --bg-soft:   #F8FAFC;
  --bg-white:  #FFFFFF;
  --text-main: #1F2937;
  --text-sub:  #4B5563;
  --success:   #10B981;
  --radius:    8px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(13,34,64,.08);
  --shadow:    0 4px 16px rgba(13,34,64,.12);
  --shadow-lg: 0 12px 40px rgba(13,34,64,.16);
  --transition: 0.22s ease;
}

html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-main);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-lt); }
img { max-width: 100%; display: block; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; outline: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.container-wide {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ---- Typography ---- */
h1,h2,h3,h4,h5,h6 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.5rem); }
h4 { font-size: 1.125rem; }
p { line-height: 1.75; color: var(--text-sub); }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 12px;
}
.section-title { margin-bottom: 16px; }
.section-intro { font-size: 1.05rem; color: var(--gray); max-width: 620px; margin-bottom: 48px; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 600;
  transition: all var(--transition);
  line-height: 1;
}
.btn-primary {
  background: var(--blue);
  color: #fff;
}
.btn-primary:hover { background: var(--navy-mid); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-secondary {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-secondary:hover { background: var(--navy); color: #fff; }
.btn-outline {
  background: transparent;
  color: var(--blue);
  border: 2px solid var(--blue);
}
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-accent {
  background: var(--accent);
  color: var(--navy);
}
.btn-accent:hover { background: #d49610; color: var(--navy); transform: translateY(-1px); }
.btn-sm { padding: 8px 18px; font-size: 0.82rem; }
.btn-lg { padding: 16px 34px; font-size: 1rem; }

/* ---- Header / Nav ---- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: var(--bg-white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 40px; height: 40px;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: -1px;
  flex-shrink: 0;
}
.logo-text { font-size: 1.35rem; font-weight: 800; color: var(--navy); letter-spacing: -0.5px; }
.logo-sub { font-size: 0.68rem; font-weight: 500; color: var(--gray); letter-spacing: 0.08em; text-transform: uppercase; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item {
  position: relative;
}
.nav-link {
  display: flex; align-items: center; gap: 5px;
  padding: 8px 14px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-main);
  border-radius: var(--radius);
  transition: all var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--blue); background: var(--bg-soft); }
.nav-link svg { width: 14px; height: 14px; transition: transform var(--transition); }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  z-index: 200;
}
.nav-item:hover .dropdown { display: block; }
.dropdown a {
  display: block;
  padding: 9px 14px;
  font-size: 0.875rem;
  color: var(--text-main);
  border-radius: var(--radius);
  transition: all var(--transition);
}
.dropdown a:hover { background: var(--bg-soft); color: var(--blue); }

.header-actions { display: flex; align-items: center; gap: 12px; }

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

/* ---- Mobile Nav ---- */
.mobile-menu {
  display: none;
  position: fixed;
  top: 70px; left: 0; right: 0; bottom: 0;
  background: var(--bg-white);
  overflow-y: auto;
  padding: 24px;
  z-index: 998;
  flex-direction: column;
  gap: 8px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  display: block;
  padding: 14px 16px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-main);
  border-radius: var(--radius);
  border-bottom: 1px solid var(--border);
}
.mobile-menu a:hover { color: var(--blue); background: var(--bg-soft); }

/* ---- Ticker Bar ---- */
.ticker-bar {
  background: var(--navy);
  color: #fff;
  overflow: hidden;
  height: 36px;
  display: flex;
  align-items: center;
}
.ticker-track {
  display: flex;
  gap: 48px;
  animation: ticker 40s linear infinite;
  white-space: nowrap;
  padding: 0 24px;
}
.ticker-track:hover { animation-play-state: paused; }
.ticker-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 500;
}
.ticker-item .sym { font-weight: 700; letter-spacing: 0.04em; color: #a8c8f0; }
.ticker-item .up { color: #4ade80; }
.ticker-item .dn { color: #f87171; }
@keyframes ticker { 0%{ transform: translateX(0); } 100%{ transform: translateX(-50%); } }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, #0D2240 0%, #1A3A5C 60%, #1E5FA8 100%);
  min-height: 580px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-content { color: #fff; }
.hero-content h1 { color: #fff; margin-bottom: 20px; }
.hero-content p { color: rgba(255,255,255,0.8); font-size: 1.1rem; margin-bottom: 32px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-img img { width: 100%; height: 400px; object-fit: cover; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 16px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stat { text-align: center; }
.hero-stat .value { font-size: 2rem; font-weight: 800; color: #fff; line-height: 1; }
.hero-stat .label { font-size: 0.78rem; color: rgba(255,255,255,0.6); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.06em; }

/* ---- Section Layout ---- */
.section { padding: 80px 0; }
.section-sm { padding: 56px 0; }
.section-lg { padding: 100px 0; }
.bg-soft { background: var(--bg-soft); }
.bg-navy { background: var(--navy); }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: #fff; }
.bg-navy p, .bg-navy .section-intro { color: rgba(255,255,255,0.7); }
.bg-navy .section-label { color: #a8c8f0; }

/* ---- Cards ---- */
.card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card-img { overflow: hidden; height: 200px; }
.card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.card:hover .card-img img { transform: scale(1.04); }
.card-body { padding: 24px; }
.card-tag {
  display: inline-block;
  padding: 3px 10px;
  background: #EFF6FF;
  color: var(--blue);
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 12px;
}
.card-title { font-size: 1.05rem; margin-bottom: 10px; color: var(--navy); }
.card-title a { color: inherit; }
.card-title a:hover { color: var(--blue); }
.card-text { font-size: 0.9rem; color: var(--gray); line-height: 1.65; }
.card-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
  font-size: 0.8rem;
  color: var(--gray-lt);
}
.card-meta span { display: flex; align-items: center; gap: 5px; }

/* Grid layouts */
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 32px; }

/* ---- Feature Blocks ---- */
.feature-block {
  display: flex;
  align-items: flex-start;
  gap: 18px;
}
.feature-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius);
  background: #EFF6FF;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.feature-icon svg { width: 26px; height: 26px; color: var(--blue); }
.feature-content h4 { margin-bottom: 6px; }
.feature-content p { font-size: 0.9rem; }

/* ---- Stats Strip ---- */
.stats-strip {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stat-item {
  background: var(--bg-white);
  padding: 32px 24px;
  text-align: center;
}
.stat-item .val { font-size: 2.5rem; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-item .unit { font-size: 1.5rem; font-weight: 800; color: var(--blue); }
.stat-item .lbl { font-size: 0.83rem; color: var(--gray); margin-top: 6px; }

/* ---- Article Page ---- */
.article-hero {
  background: var(--bg-soft);
  padding: 60px 0 0;
}
.article-hero-img {
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  overflow: hidden;
  margin-top: 40px;
  height: 420px;
}
.article-hero-img img { width: 100%; height: 100%; object-fit: cover; }
.article-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  padding: 60px 0;
}
.article-content h2 { font-size: 1.6rem; margin: 36px 0 16px; }
.article-content h3 { font-size: 1.2rem; margin: 28px 0 12px; }
.article-content p { margin-bottom: 20px; font-size: 1rem; line-height: 1.8; }
.article-content ul, .article-content ol { margin: 0 0 20px 20px; }
.article-content li { margin-bottom: 8px; font-size: 0.97rem; color: var(--text-sub); line-height: 1.7; }
.article-content ul li { list-style: disc; }
.article-content ol li { list-style: decimal; }
.article-content blockquote {
  border-left: 4px solid var(--blue);
  padding: 16px 24px;
  background: #EFF6FF;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 28px 0;
  font-style: italic;
  color: var(--navy);
  font-size: 1.05rem;
}
.article-content .highlight-box {
  background: var(--navy);
  color: #fff;
  padding: 28px 32px;
  border-radius: var(--radius-lg);
  margin: 32px 0;
}
.article-content .highlight-box h4 { color: #fff; margin-bottom: 12px; }
.article-content .highlight-box p { color: rgba(255,255,255,0.8); }
.article-content .data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 28px 0;
  font-size: 0.9rem;
}
.article-content .data-table th {
  background: var(--navy);
  color: #fff;
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
}
.article-content .data-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text-sub);
}
.article-content .data-table tr:nth-child(even) td { background: var(--bg-soft); }

/* Sidebar */
.sidebar { position: relative; }
.sidebar-widget {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 28px;
}
.sidebar-widget h4 { margin-bottom: 16px; font-size: 1rem; }
.sidebar-widget .widget-list { display: flex; flex-direction: column; gap: 12px; }
.sidebar-widget .widget-list a {
  font-size: 0.875rem;
  color: var(--text-sub);
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
  display: block;
}
.sidebar-widget .widget-list a:last-child { border-bottom: none; padding-bottom: 0; }
.sidebar-widget .widget-list a:hover { color: var(--blue); }

/* ---- Forms ---- */
.form-group { margin-bottom: 22px; }
.form-label { display: block; font-size: 0.875rem; font-weight: 600; color: var(--text-main); margin-bottom: 7px; }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text-main);
  background: var(--bg-white);
  transition: border-color var(--transition);
  outline: none;
}
.form-control:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(30,95,168,0.1); }
textarea.form-control { min-height: 130px; resize: vertical; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%236B7280' d='M1 1l5 5 5-5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.form-hint { font-size: 0.8rem; color: var(--gray); margin-top: 5px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.form-check input[type="checkbox"] { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--blue); }
.form-check label { font-size: 0.875rem; color: var(--text-sub); }

/* ---- Breadcrumb ---- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--gray);
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--gray); }
.breadcrumb a:hover { color: var(--blue); }
.breadcrumb .sep { color: var(--border); }
.breadcrumb .current { color: var(--text-main); font-weight: 500; }

/* ---- Tags ---- */
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.tag {
  padding: 5px 13px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--gray-dark);
  transition: all var(--transition);
}
.tag:hover { background: #EFF6FF; border-color: var(--blue-lt); color: var(--blue); }
.tag.active { background: var(--blue); border-color: var(--blue); color: #fff; }

/* ---- Author ---- */
.author-box {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  background: var(--bg-soft);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  margin-bottom: 32px;
}
.author-avatar {
  width: 56px; height: 56px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
}
.author-avatar img { width: 100%; height: 100%; object-fit: cover; }
.author-name { font-weight: 700; color: var(--navy); font-size: 1rem; }
.author-role { font-size: 0.82rem; color: var(--gray); }
.author-date { font-size: 0.8rem; color: var(--gray-lt); margin-top: 4px; }

/* ---- Quote Block ---- */
.pull-quote {
  font-family: 'Merriweather', serif;
  font-size: 1.25rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.6;
  border-left: 4px solid var(--accent);
  padding: 20px 28px;
  background: var(--bg-soft);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
  margin: 36px 0;
}

/* ---- Table of Contents ---- */
.toc {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 36px;
}
.toc h4 { font-size: 0.95rem; margin-bottom: 14px; color: var(--navy); }
.toc ol { margin-left: 0; counter-reset: toc; }
.toc ol li {
  counter-increment: toc;
  padding: 6px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.875rem;
}
.toc ol li:last-child { border-bottom: none; }
.toc ol li a { color: var(--text-sub); }
.toc ol li a:hover { color: var(--blue); }

/* ---- Chart Area ---- */
.chart-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 28px;
}
.chart-title { font-size: 1rem; font-weight: 700; margin-bottom: 6px; }
.chart-sub { font-size: 0.82rem; color: var(--gray); margin-bottom: 20px; }
.bar-chart { display: flex; flex-direction: column; gap: 12px; }
.bar-row { display: flex; align-items: center; gap: 14px; }
.bar-label { font-size: 0.82rem; color: var(--text-sub); width: 100px; flex-shrink: 0; }
.bar-track { flex: 1; height: 10px; background: var(--bg-soft); border-radius: 10px; overflow: hidden; }
.bar-fill { height: 100%; border-radius: 10px; background: var(--blue); transition: width 1s ease; }
.bar-val { font-size: 0.82rem; font-weight: 600; color: var(--navy); width: 48px; text-align: right; }

/* ---- Glossary ---- */
.glossary-letter { font-size: 2rem; font-weight: 800; color: var(--navy); margin: 36px 0 16px; border-bottom: 2px solid var(--navy); padding-bottom: 8px; }
.glossary-term { padding: 18px 0; border-bottom: 1px solid var(--border); }
.glossary-term dt { font-weight: 700; color: var(--navy); font-size: 1rem; margin-bottom: 6px; }
.glossary-term dd { font-size: 0.9rem; color: var(--text-sub); line-height: 1.7; }

/* ---- Calendar ---- */
.calendar-grid { display: grid; grid-template-columns: repeat(7,1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 32px; }
.cal-head { background: var(--navy); color: #fff; font-size: 0.78rem; font-weight: 700; text-align: center; padding: 12px; }
.cal-cell { background: var(--bg-white); min-height: 90px; padding: 10px; position: relative; }
.cal-cell .cal-date { font-size: 0.82rem; font-weight: 600; color: var(--gray); }
.cal-event { font-size: 0.72rem; background: #EFF6FF; color: var(--blue); border-radius: 4px; padding: 2px 6px; margin-top: 4px; display: block; line-height: 1.4; }
.cal-cell.today { background: #EFF6FF; }
.cal-cell.today .cal-date { color: var(--blue); font-weight: 800; }
.cal-cell.has-event { cursor: pointer; }
.cal-cell.other-month { background: var(--bg-soft); }
.cal-cell.other-month .cal-date { color: var(--gray-lt); }

/* ---- Calculator ---- */
.calc-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
.calc-result {
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-top: 24px;
  text-align: center;
}
.calc-result .result-val { font-size: 2.5rem; font-weight: 800; color: #fff; }
.calc-result .result-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-top: 6px; }

/* ---- Team Card ---- */
.team-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}
.team-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.team-photo { height: 260px; overflow: hidden; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s; }
.team-card:hover .team-photo img { transform: scale(1.04); }
.team-info { padding: 22px; }
.team-name { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-role { font-size: 0.83rem; color: var(--blue); font-weight: 600; margin-bottom: 10px; }
.team-bio { font-size: 0.875rem; color: var(--gray); line-height: 1.65; }
.team-links { display: flex; gap: 10px; margin-top: 14px; }
.team-links a {
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  color: var(--gray);
  font-size: 0.8rem;
  transition: all var(--transition);
}
.team-links a:hover { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ---- Newsletter ---- */
.newsletter-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}
.newsletter-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.newsletter-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.newsletter-text h2 { color: #fff; margin-bottom: 14px; }
.newsletter-text p { color: rgba(255,255,255,0.7); font-size: 1.05rem; }
.newsletter-form { display: flex; gap: 12px; }
.newsletter-form input {
  flex: 1;
  padding: 14px 18px;
  border: none;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.9rem;
  outline: none;
  background: rgba(255,255,255,0.12);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.2);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input:focus { border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.18); }

/* ---- Footer ---- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding-top: 72px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-sub { color: rgba(255,255,255,0.4); }
.footer-desc { font-size: 0.875rem; margin: 16px 0 24px; color: rgba(255,255,255,0.6); }
.footer-contact { font-size: 0.875rem; display: flex; flex-direction: column; gap: 8px; }
.footer-contact a { color: rgba(255,255,255,0.6); }
.footer-contact a:hover { color: #fff; }
.footer-col h5 { color: #fff; font-size: 0.875rem; font-weight: 700; margin-bottom: 20px; text-transform: uppercase; letter-spacing: 0.08em; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.875rem; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-col ul li a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  font-size: 0.8rem;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-copy { color: rgba(255,255,255,0.4); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,0.4); }
.footer-legal a:hover { color: rgba(255,255,255,0.8); }
.footer-disclaimer {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 20px 0;
}
.footer-disclaimer p { font-size: 0.75rem; color: rgba(255,255,255,0.35); line-height: 1.7; }

/* ---- Page Hero (inner pages) ---- */
.page-hero {
  background: var(--bg-soft);
  border-bottom: 1px solid var(--border);
  padding: 56px 0 48px;
}
.page-hero h1 { margin-bottom: 14px; font-size: clamp(1.75rem, 3vw, 2.5rem); }
.page-hero .lead { font-size: 1.05rem; color: var(--gray); max-width: 680px; }

/* ---- About Page ---- */
.about-story { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-photo { border-radius: var(--radius-lg); overflow: hidden; height: 440px; }
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-values { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-top: 60px; }
.value-card {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
}
.value-num { font-size: 3rem; font-weight: 800; color: var(--blue); opacity: 0.3; line-height: 1; }
.value-card h4 { margin: 8px 0 10px; }
.value-card p { font-size: 0.875rem; }

/* ---- Policy Pages ---- */
.policy-page { max-width: 860px; margin: 0 auto; padding: 60px 24px 100px; }
.policy-page h1 { margin-bottom: 10px; }
.policy-meta { font-size: 0.85rem; color: var(--gray); margin-bottom: 40px; padding-bottom: 24px; border-bottom: 1px solid var(--border); }
.policy-page h2 { font-size: 1.4rem; margin: 36px 0 14px; }
.policy-page h3 { font-size: 1.1rem; margin: 24px 0 10px; }
.policy-page p { margin-bottom: 16px; font-size: 0.97rem; }
.policy-page ul, .policy-page ol { margin: 0 0 20px 24px; }
.policy-page ul li { list-style: disc; margin-bottom: 8px; font-size: 0.95rem; color: var(--text-sub); }
.policy-page ol li { list-style: decimal; margin-bottom: 8px; font-size: 0.95rem; color: var(--text-sub); }
.policy-page table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.9rem; }
.policy-page table th { background: var(--bg-soft); padding: 12px 16px; text-align: left; font-weight: 600; border: 1px solid var(--border); }
.policy-page table td { padding: 11px 16px; border: 1px solid var(--border); color: var(--text-sub); }
.policy-box { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; margin: 28px 0; }
.policy-box h4 { margin-bottom: 10px; }

/* ---- Education ---- */
.edu-path { display: flex; flex-direction: column; gap: 0; }
.edu-step {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 24px;
  position: relative;
  padding-bottom: 40px;
}
.edu-step::before {
  content: '';
  position: absolute;
  left: 29px; top: 60px; bottom: 0;
  width: 2px;
  background: var(--border);
}
.edu-step:last-child::before { display: none; }
.edu-step-num {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.edu-step-content h3 { margin-bottom: 10px; }
.edu-step-content p { font-size: 0.95rem; }

/* ---- Risk Meter ---- */
.risk-meter { display: flex; flex-direction: column; gap: 16px; padding: 28px; background: var(--bg-soft); border-radius: var(--radius-lg); border: 1px solid var(--border); }
.risk-row { display: flex; align-items: center; gap: 14px; }
.risk-name { font-size: 0.9rem; font-weight: 600; width: 160px; flex-shrink: 0; }
.risk-bar-track { flex: 1; height: 12px; background: var(--border); border-radius: 12px; overflow: hidden; }
.risk-bar-fill { height: 100%; border-radius: 12px; }
.risk-bar-fill.low { background: var(--success); }
.risk-bar-fill.mid { background: var(--accent); }
.risk-bar-fill.high { background: #EF4444; }
.risk-val { font-size: 0.85rem; font-weight: 700; width: 40px; text-align: right; }

/* ---- Contact ---- */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-icon {
  width: 48px; height: 48px;
  background: #EFF6FF;
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-icon svg { width: 22px; height: 22px; color: var(--blue); }
.contact-details h5 { font-size: 0.9rem; margin-bottom: 4px; }
.contact-details p, .contact-details a { font-size: 0.9rem; color: var(--gray); }
.contact-details a:hover { color: var(--blue); }

/* ---- Thank You ---- */
.thankyou-wrap {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  flex-direction: column;
  gap: 24px;
  padding: 80px 24px;
}
.thankyou-icon {
  width: 90px; height: 90px;
  background: #ECFDF5;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto;
}
.thankyou-icon svg { width: 44px; height: 44px; color: var(--success); }

/* ---- 404 ---- */
.notfound-wrap {
  min-height: 70vh;
  display: flex; align-items: center; justify-content: center;
  text-align: center; flex-direction: column; gap: 24px; padding: 80px 24px;
}
.notfound-num { font-size: 8rem; font-weight: 900; color: var(--border); line-height: 1; }

/* ---- Pagination ---- */
.pagination { display: flex; align-items: center; gap: 8px; justify-content: center; margin-top: 56px; }
.page-btn {
  width: 40px; height: 40px;
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-main);
  background: var(--bg-white);
  border: 1px solid var(--border);
  transition: all var(--transition);
  cursor: pointer;
}
.page-btn:hover, .page-btn.active { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ---- Sitemap ---- */
.sitemap-group { margin-bottom: 40px; }
.sitemap-group h3 { font-size: 1.1rem; color: var(--navy); border-left: 4px solid var(--blue); padding-left: 12px; margin-bottom: 16px; }
.sitemap-list { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; }
.sitemap-list li a { font-size: 0.9rem; color: var(--text-sub); padding: 8px 12px; display: block; border-radius: var(--radius); border: 1px solid transparent; }
.sitemap-list li a:hover { color: var(--blue); background: var(--bg-soft); border-color: var(--border); }

/* ---- Scroll To Top ---- */
.scroll-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow);
  cursor: pointer;
  opacity: 0;
  transform: translateY(16px);
  transition: all var(--transition);
  z-index: 800;
  border: none;
}
.scroll-top.visible { opacity: 1; transform: translateY(0); }
.scroll-top:hover { background: var(--blue); }

/* ---- Alert/Notice ---- */
.alert { padding: 14px 18px; border-radius: var(--radius); font-size: 0.875rem; margin-bottom: 20px; }
.alert-info { background: #EFF6FF; border: 1px solid #BFDBFE; color: #1E40AF; }
.alert-warning { background: #FFFBEB; border: 1px solid #FDE68A; color: #92400E; }
.alert-success { background: #ECFDF5; border: 1px solid #A7F3D0; color: #065F46; }

/* ---- Accordion ---- */
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 4px;
  background: none;
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
}
.accordion-btn svg { width: 18px; height: 18px; color: var(--blue); transition: transform var(--transition); flex-shrink: 0; }
.accordion-btn.open svg { transform: rotate(180deg); }
.accordion-body { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.accordion-body.open { max-height: 500px; }
.accordion-body p { padding: 0 4px 20px; font-size: 0.9rem; color: var(--text-sub); }

/* ---- Policy Pages ---- */
.policy-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 56px;
  align-items: start;
}
.policy-toc {
  position: sticky;
  top: 100px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
}
.policy-toc h4 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 16px;
}
.policy-toc ol {
  list-style: decimal;
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.policy-toc ol li a {
  font-size: 0.82rem;
  color: var(--text-sub);
  line-height: 1.4;
}
.policy-toc ol li a:hover { color: var(--blue); }
.policy-body { min-width: 0; }
.policy-section {
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}
.policy-section:last-child { border-bottom: none; margin-bottom: 0; }
.policy-section h2 {
  font-size: 1.35rem;
  margin-bottom: 16px;
  padding-top: 8px;
}
.policy-section h3 {
  font-size: 1rem;
  margin: 24px 0 10px;
  color: var(--navy-mid);
}
.policy-section p { margin-bottom: 14px; }
.policy-section p:last-child { margin-bottom: 0; }
.policy-list {
  list-style: disc;
  padding-left: 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 12px 0;
}
.policy-list li { font-size: 0.92rem; color: var(--text-sub); line-height: 1.65; }
.policy-list li strong { color: var(--text-main); }
.policy-address-block {
  background: var(--bg-soft);
  border-left: 4px solid var(--blue);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 20px 0;
  font-size: 0.92rem;
  line-height: 1.8;
  color: var(--text-sub);
}
.policy-address-block strong { color: var(--navy); }

/* Cookie Table */
.cookie-table-wrap { overflow-x: auto; margin: 20px 0; }
.cookie-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}
.cookie-table th {
  background: var(--navy);
  color: #fff;
  padding: 12px 14px;
  text-align: left;
  font-weight: 600;
  white-space: nowrap;
}
.cookie-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--text-sub);
  vertical-align: top;
}
.cookie-table tr:nth-child(even) td { background: var(--bg-soft); }
.cookie-table code {
  background: #eef2f7;
  padding: 2px 6px;
  border-radius: 4px;
  font-family: monospace;
  font-size: 0.8rem;
  color: var(--navy);
}

/* Sitemap Page */
.sitemap-group {
  margin-bottom: 36px;
  padding: 28px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}
.sitemap-cat {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1rem;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
  color: var(--navy);
}
.sitemap-cat svg { color: var(--blue); flex-shrink: 0; }
.sitemap-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.sitemap-links li a {
  font-size: 0.9rem;
  color: var(--text-sub);
  display: flex;
  align-items: center;
  gap: 6px;
}
.sitemap-links li a::before {
  content: '→';
  color: var(--blue);
  font-size: 0.75rem;
}
.sitemap-links li a:hover { color: var(--blue); }
.sitemap-info { background: #fff; border-color: var(--blue); }
.sitemap-meta-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
.sitemap-meta-table td { padding: 7px 4px; border-bottom: 1px solid var(--border); color: var(--text-sub); }
.sitemap-meta-table td:first-child { width: 55%; }
.sitemap-meta-table tr:last-child td { border-bottom: none; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .stats-strip { grid-template-columns: repeat(2,1fr); }
  .sitemap-list { grid-template-columns: repeat(2,1fr); }
  .article-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-img { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .about-story { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .newsletter-inner { grid-template-columns: 1fr; }
  .newsletter-form { flex-direction: column; }
  .main-nav { display: none; }
  .burger { display: flex; }
  .header-actions .btn { display: none; }
  .sitemap-list { grid-template-columns: 1fr; }
  .about-values { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .section { padding: 56px 0; }
  .hero { min-height: 440px; }
  .footer-grid { grid-template-columns: 1fr; }
}