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

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #213A52;
  --navy-dark: #172b3e;
  --navy-deeper: #0f1e2c;
  --gold: #A98C5D;
  --gold-dark: #8a7048;
  --gray: #6C757D;
  --teal: #507D7D;
  --teal-light: #6a9999;
  --white: #ffffff;
  --off-white: #f5f2ee;
  --light-bg: #eef0f2;
  --text-main: #1a1a1a;
  --text-muted: #555555;
  --text-light: #888888;
  --border-light: #ddd9d2;
  --font-heading: 'Montserrat', sans-serif;
  --font-body: 'Merriweather', serif;
  --transition: 200ms ease;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.18);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.7;
  color: var(--text-main);
  background-color: var(--white);
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}

h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); margin-bottom: 1rem; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); margin-bottom: 0.75rem; }

p { margin-bottom: 1.3rem; color: var(--text-main); }
p:last-child { margin-bottom: 0; }

a {
  color: var(--gold);
  text-decoration: none;
  transition: color var(--transition);
}
a:hover { color: var(--gold-dark); }

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul, ol { padding-left: 1.5rem; margin-bottom: 1.3rem; }
li { margin-bottom: 0.4rem; }

strong { font-weight: 700; }
em { font-style: italic; }

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

.section-pad {
  padding: 88px 0;
}

.section-pad-sm {
  padding: 56px 0;
}

.section-pad-lg {
  padding: 112px 0;
}

.text-navy { color: var(--navy); }
.text-gold { color: var(--gold); }
.text-gray { color: var(--gray); }
.text-teal { color: var(--teal); }
.text-white { color: var(--white); }
.text-muted-custom { color: var(--text-muted); }

.bg-navy { background-color: var(--navy); }
.bg-navy-dark { background-color: var(--navy-dark); }
.bg-navy-deeper { background-color: var(--navy-deeper); }
.bg-gold { background-color: var(--gold); }
.bg-off-white { background-color: var(--off-white); }
.bg-light { background-color: var(--light-bg); }
.bg-teal { background-color: var(--teal); }
.bg-white { background-color: var(--white); }

.accent-line {
  display: block;
  width: 64px;
  height: 3px;
  background-color: var(--gold);
  margin: 0 0 2rem 0;
}

.accent-line-center {
  display: block;
  width: 64px;
  height: 3px;
  background-color: var(--gold);
  margin: 0 auto 2rem;
}

.accent-line-white {
  display: block;
  width: 64px;
  height: 3px;
  background-color: rgba(255,255,255,0.5);
  margin: 0 0 2rem 0;
}

.section-label {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

.section-label-white {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  display: block;
  margin-bottom: 0.75rem;
}

.btn-read {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--white);
  background-color: var(--gold);
  border: 2px solid var(--gold);
  padding: 14px 32px;
  transition: background-color var(--transition), border-color var(--transition), color var(--transition);
  cursor: pointer;
}
.btn-read:hover {
  background-color: var(--gold-dark);
  border-color: var(--gold-dark);
  color: var(--white);
  text-decoration: none;
}
.btn-read:active {
  background-color: #7a6040;
  border-color: #7a6040;
}

.btn-read-outline {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  background-color: transparent;
  border: 2px solid var(--gold);
  padding: 14px 32px;
  transition: background-color var(--transition), border-color var(--transition), color var(--transition);
  cursor: pointer;
}
.btn-read-outline:hover {
  background-color: var(--gold);
  color: var(--white);
  text-decoration: none;
}

.btn-read-navy {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--white);
  background-color: var(--navy);
  border: 2px solid var(--navy);
  padding: 14px 32px;
  transition: background-color var(--transition), border-color var(--transition);
  cursor: pointer;
}
.btn-read-navy:hover {
  background-color: var(--navy-dark);
  border-color: var(--navy-dark);
  color: var(--white);
  text-decoration: none;
}

.btn-read-white {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  background-color: var(--white);
  border: 2px solid var(--white);
  padding: 14px 32px;
  transition: background-color var(--transition), color var(--transition);
  cursor: pointer;
}
.btn-read-white:hover {
  background-color: var(--off-white);
  color: var(--navy-dark);
  text-decoration: none;
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background-color: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: box-shadow 200ms ease;
}

.site-header.scrolled {
  box-shadow: 0 2px 24px rgba(0,0,0,0.35);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.header-logo {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.04em;
  text-decoration: none;
  transition: color var(--transition);
}
.header-logo span {
  color: var(--gold);
}
.header-logo:hover {
  color: var(--off-white);
  text-decoration: none;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}

.header-nav li a {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.78);
  padding: 8px 16px;
  display: block;
  transition: color var(--transition);
  text-decoration: none;
}
.header-nav li a:hover {
  color: var(--gold);
  text-decoration: none;
}
.header-nav li a.active {
  color: var(--gold);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--white);
  transition: all 200ms ease;
}

.mobile-nav {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background-color: var(--navy-deeper);
  z-index: 999;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.mobile-nav.open {
  display: block;
}
.mobile-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.mobile-nav ul li a {
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.78);
  padding: 14px 24px;
  display: block;
  transition: color var(--transition), background-color var(--transition);
}
.mobile-nav ul li a:hover {
  color: var(--gold);
  background-color: rgba(255,255,255,0.04);
}

.page-body {
  padding-top: 72px;
}

.site-footer {
  background-color: var(--navy-deeper);
  color: rgba(255,255,255,0.68);
  padding: 64px 0 0;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand-name {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.04em;
  margin-bottom: 1rem;
}
.footer-brand-name span { color: var(--gold); }

.footer-desc {
  font-size: 0.88rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.2rem;
}

.footer-editorial-note {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 8px 16px;
  border-left: 2px solid var(--gold);
  background-color: rgba(169,140,93,0.08);
}

.footer-col-title {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1.2rem;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-links li {
  margin-bottom: 0.6rem;
}
.footer-links li a {
  font-family: var(--font-heading);
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
  text-decoration: none;
}
.footer-links li a:hover {
  color: var(--gold);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 0.85rem;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.5;
}
.footer-contact-item strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 2px;
}

.footer-contact-icon {
  display: inline-block;
  width: 20px;
  min-width: 20px;
  margin-top: 3px;
  color: var(--gold);
}

.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-copyright {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  color: rgba(255,255,255,0.35);
  letter-spacing: 0.04em;
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-legal-links li a {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  color: rgba(255,255,255,0.38);
  text-decoration: none;
  letter-spacing: 0.06em;
  transition: color var(--transition);
}
.footer-legal-links li a:hover {
  color: var(--gold);
}

.hero-block {
  position: relative;
  width: 100%;
  min-height: 88vh;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background-color: var(--navy-deeper);
}

.hero-block-inner {
  min-height: 600px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  opacity: 0.38;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(33,58,82,0.88) 0%, rgba(15,30,44,0.7) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 860px;
  margin: 0 auto;
  padding: 80px 24px;
}

.hero-content h1 {
  color: var(--white);
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

.hero-content .lead {
  font-family: var(--font-body);
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.75;
  margin-bottom: 2.5rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.hero-page {
  position: relative;
  width: 100%;
  min-height: 380px;
  display: flex;
  align-items: center;
  background-color: var(--navy);
  overflow: hidden;
}

.hero-page-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.22;
}

.hero-page-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(33,58,82,0.92) 0%, rgba(33,58,82,0.6) 100%);
}

.hero-page-content {
  position: relative;
  z-index: 2;
  padding: 80px 0;
}

.hero-page-content h1 {
  color: var(--white);
  margin-bottom: 1rem;
}

.hero-page-content .page-intro {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.72);
  max-width: 600px;
  line-height: 1.75;
  margin-bottom: 0;
}

.breadcrumb-nav {
  margin-bottom: 1.2rem;
}
.breadcrumb-nav a, .breadcrumb-nav span {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
}
.breadcrumb-nav a:hover { color: var(--gold); }
.breadcrumb-nav .sep { margin: 0 8px; color: rgba(255,255,255,0.25); }
.breadcrumb-nav .current { color: var(--gold); }

.editorial-intro-block {
  text-align: center;
  max-width: 780px;
  margin: 0 auto;
}

.drop-cap::first-letter {
  font-family: var(--font-heading);
  font-size: 4.2rem;
  font-weight: 800;
  color: var(--navy);
  float: left;
  line-height: 0.85;
  margin-right: 12px;
  margin-top: 6px;
}

.section-divider {
  width: 100%;
  height: 1px;
  background-color: var(--border-light);
  margin: 0;
}

.section-divider-gold {
  width: 100%;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  margin: 0;
}

.two-col-feature {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.two-col-feature.reverse {
  direction: rtl;
}
.two-col-feature.reverse > * {
  direction: ltr;
}

.feature-img-wrap {
  position: relative;
  overflow: hidden;
}

.feature-img-wrap img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  display: block;
  transition: transform 400ms ease;
}
.feature-img-wrap:hover img {
  transform: scale(1.02);
}

.feature-img-accent {
  position: absolute;
  bottom: -12px;
  right: -12px;
  width: 80px;
  height: 80px;
  background-color: var(--gold);
  opacity: 0.35;
  z-index: 0;
}

.topic-card {
  background-color: var(--white);
  border: 1px solid var(--border-light);
  padding: 36px 32px;
  transition: box-shadow var(--transition), border-color var(--transition);
  position: relative;
}
.topic-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.topic-card::before {
  content: '';
  display: block;
  width: 32px;
  height: 3px;
  background-color: var(--gold);
  margin-bottom: 1.2rem;
}
.topic-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}
.topic-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.65;
}

.misconception-card {
  padding: 28px 24px;
  background-color: var(--white);
  border-top: 3px solid var(--teal);
}
.misconception-card h3 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.misconception-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.65;
}

.key-thought-box {
  border: 2px solid var(--gold);
  padding: 32px 36px;
  background-color: rgba(169,140,93,0.05);
  position: relative;
}
.key-thought-box::before {
  content: 'Key Insight';
  font-family: var(--font-heading);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.8rem;
}
.key-thought-box p {
  font-family: var(--font-body);
  font-size: 1rem;
  font-style: italic;
  color: var(--navy);
  margin-bottom: 0;
  line-height: 1.75;
}

.knowledge-block {
  background-color: var(--off-white);
  padding: 56px;
}

.glossary-inline {
  background-color: var(--white);
  border-left: 3px solid var(--teal);
  padding: 24px 28px;
  margin-top: 2rem;
}
.glossary-inline h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 1rem;
}
.glossary-inline dl {}
.glossary-inline dt {
  font-family: var(--font-heading);
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 0.75rem;
}
.glossary-inline dd {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-left: 0;
  line-height: 1.6;
}

.faq-section {
  background-color: var(--light-bg);
}

.faq-item {
  border-bottom: 1px solid var(--border-light);
  padding: 28px 0;
}
.faq-item:first-child {
  border-top: 1px solid var(--border-light);
}
.faq-question {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.75rem;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.faq-question::before {
  content: 'Q';
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: var(--gold);
  background-color: rgba(169,140,93,0.12);
  padding: 3px 8px;
  min-width: 28px;
  text-align: center;
  margin-top: 1px;
}
.faq-answer {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.75;
  padding-left: 40px;
  margin-bottom: 0;
}

.contact-info-block {}
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 1.5rem;
}
.contact-info-icon {
  width: 42px;
  height: 42px;
  background-color: rgba(33,58,82,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--navy);
}
.contact-info-icon svg {
  width: 20px;
  height: 20px;
}
.contact-info-label {
  font-family: var(--font-heading);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 3px;
}
.contact-info-value {
  font-size: 0.95rem;
  color: var(--navy);
  font-family: var(--font-heading);
  font-weight: 500;
}

.hours-block {
  background-color: var(--navy);
  color: var(--white);
  padding: 28px 32px;
  margin-top: 2rem;
}
.hours-block h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.hours-block p {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  margin-bottom: 0;
}

.contact-form-wrap {
  background-color: var(--off-white);
  padding: 48px;
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-label {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  display: block;
  margin-bottom: 8px;
}

.form-control-custom {
  width: 100%;
  background-color: var(--white);
  border: 1.5px solid var(--border-light);
  padding: 14px 16px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text-main);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}
.form-control-custom:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(33,58,82,0.1);
}
.form-control-custom::placeholder {
  color: var(--text-light);
}

textarea.form-control-custom {
  resize: vertical;
  min-height: 140px;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.blog-card {
  background-color: var(--white);
  border: 1px solid var(--border-light);
  overflow: hidden;
  transition: box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(169,140,93,0.4);
}

.blog-card-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  transition: transform 400ms ease;
}
.blog-card:hover .blog-card-img {
  transform: scale(1.03);
}

.blog-card-img-wrap {
  overflow: hidden;
  height: 200px;
}

.blog-card-body {
  padding: 28px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.blog-card-meta {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 0.6rem;
  display: flex;
  gap: 12px;
}

.blog-card-author {
  color: var(--gold);
}

.blog-card h3 {
  font-size: 1.05rem;
  margin-bottom: 0.75rem;
  line-height: 1.35;
}

.blog-card h3 a {
  color: var(--navy);
  text-decoration: none;
  transition: color var(--transition);
}
.blog-card h3 a:hover {
  color: var(--gold);
}

.blog-card p {
  font-size: 0.87rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.2rem;
  flex: 1;
}

.blog-read-link {
  font-family: var(--font-heading);
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color var(--transition), gap var(--transition);
  border-bottom: 1px solid transparent;
  padding-bottom: 2px;
}
.blog-read-link:hover {
  color: var(--gold-dark);
  gap: 10px;
}
.blog-read-link::after {
  content: '→';
  font-size: 0.85em;
}

.article-hero {
  position: relative;
  width: 100%;
  height: 440px;
  overflow: hidden;
  background-color: var(--navy-deeper);
}

.article-hero img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.45;
}

.article-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(33,58,82,0.6) 0%, rgba(15,30,44,0.85) 100%);
}

.article-meta-bar {
  background-color: var(--off-white);
  border-bottom: 1px solid var(--border-light);
  padding: 20px 0;
}

.article-meta-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.article-meta-item {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray);
  display: flex;
  align-items: center;
  gap: 6px;
}
.article-meta-item strong {
  color: var(--navy);
}

.article-meta-sep {
  width: 1px;
  height: 16px;
  background-color: var(--border-light);
}

.article-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 72px;
  align-items: flex-start;
}

.article-content h2 {
  margin-top: 2.5rem;
  margin-bottom: 1rem;
  color: var(--navy);
}
.article-content h3 {
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  color: var(--navy);
}
.article-content p {
  line-height: 1.8;
  margin-bottom: 1.4rem;
}
.article-content ul, .article-content ol {
  margin-bottom: 1.4rem;
}
.article-content li {
  line-height: 1.75;
  color: var(--text-main);
}

.article-pullquote {
  border-left: 4px solid var(--gold);
  padding: 20px 28px;
  margin: 2.5rem 0;
  background-color: rgba(169,140,93,0.06);
}
.article-pullquote p {
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.7;
  margin-bottom: 0;
}

.article-sidebar {
  position: sticky;
  top: 96px;
}

.sidebar-glossary {
  background-color: var(--off-white);
  border-top: 3px solid var(--teal);
  padding: 28px;
  margin-bottom: 2rem;
}
.sidebar-glossary h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 1.2rem;
}
.sidebar-glossary dt {
  font-family: var(--font-heading);
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 1rem;
  margin-bottom: 3px;
}
.sidebar-glossary dd {
  font-size: 0.84rem;
  color: var(--text-muted);
  margin-left: 0;
  line-height: 1.6;
}

.sidebar-nav-block {
  background-color: var(--navy);
  padding: 28px;
}
.sidebar-nav-block h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1rem;
}
.sidebar-nav-block ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.sidebar-nav-block ul li {
  border-bottom: 1px solid rgba(255,255,255,0.07);
  margin-bottom: 0;
}
.sidebar-nav-block ul li:last-child {
  border-bottom: none;
}
.sidebar-nav-block ul li a {
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  display: block;
  padding: 10px 0;
  transition: color var(--transition);
}
.sidebar-nav-block ul li a:hover {
  color: var(--gold);
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  background-color: var(--border-light);
  border: 1px solid var(--border-light);
}
.comparison-col {
  background-color: var(--white);
  padding: 28px;
}
.comparison-col-header {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  background-color: var(--navy);
  padding: 12px 16px;
  margin: -28px -28px 20px;
}
.comparison-col-header.alt {
  background-color: var(--teal);
}

.timeline-strip {
  position: relative;
  padding-left: 48px;
  border-left: 2px solid var(--gold);
  margin: 2rem 0;
}
.timeline-item {
  position: relative;
  margin-bottom: 2rem;
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: -56px;
  top: 4px;
  width: 12px;
  height: 12px;
  background-color: var(--gold);
  border-radius: 50%;
}
.timeline-item h4 {
  font-family: var(--font-heading);
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
}
.timeline-item p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.65;
}

.stat-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background-color: var(--navy);
  border-top: 3px solid var(--gold);
}
.stat-item {
  padding: 36px 28px;
  border-right: 1px solid rgba(255,255,255,0.08);
  text-align: center;
}
.stat-item:last-child { border-right: none; }
.stat-number {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stat-label {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  line-height: 1.4;
}

.matrix-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.matrix-table th {
  font-family: var(--font-heading);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  background-color: var(--navy);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  border: none;
}
.matrix-table th:first-child {
  background-color: var(--navy-dark);
}
.matrix-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-main);
  vertical-align: top;
  line-height: 1.6;
}
.matrix-table tr:nth-child(even) td {
  background-color: rgba(238,240,242,0.5);
}
.matrix-table td:first-child {
  font-family: var(--font-heading);
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.myth-reality-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 2rem;
}
.myth-box {
  background-color: rgba(108,117,125,0.08);
  border-top: 3px solid var(--gray);
  padding: 24px;
}
.myth-box h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 0.75rem;
}
.reality-box {
  background-color: rgba(80,125,125,0.08);
  border-top: 3px solid var(--teal);
  padding: 24px;
}
.reality-box h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.75rem;
}
.myth-box p, .reality-box p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 0;
}

.case-card {
  background-color: var(--white);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--teal);
  padding: 28px;
  margin-bottom: 1.5rem;
}
.case-card h4 {
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.case-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.65;
}

.balance-wheel {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin: 2rem 0;
}
.wheel-segment {
  text-align: center;
  padding: 24px 16px;
  background-color: var(--off-white);
  border-bottom: 3px solid var(--navy);
  transition: border-color var(--transition), background-color var(--transition);
}
.wheel-segment:hover {
  background-color: var(--white);
  border-color: var(--gold);
}
.wheel-segment-pct {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--navy);
  display: block;
  line-height: 1;
  margin-bottom: 0.4rem;
}
.wheel-segment-label {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray);
  line-height: 1.4;
}

.cta-section {
  background-color: var(--navy);
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-section p {
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin: 0 auto 2.5rem;
  font-size: 1rem;
}

.page-cta-section {
  background-color: var(--off-white);
  text-align: center;
  padding: 72px 0;
}
.page-cta-section h2 { margin-bottom: 0.75rem; }
.page-cta-section p {
  color: var(--text-muted);
  max-width: 500px;
  margin: 0 auto 2rem;
  font-size: 0.95rem;
}

.thank-you-block {
  min-height: calc(100vh - 72px);
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--off-white);
}
.thank-you-inner {
  text-align: center;
  max-width: 540px;
  padding: 64px 32px;
}
.thank-you-icon {
  width: 64px;
  height: 64px;
  background-color: var(--navy);
  border-radius: 50%;
  margin: 0 auto 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.thank-you-icon svg {
  width: 28px;
  height: 28px;
  color: var(--gold);
}
.thank-you-inner h1 {
  font-size: 2rem;
  margin-bottom: 1rem;
}
.thank-you-inner p {
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 1.5rem;
}

.legal-page-wrap {
  max-width: 800px;
  margin: 0 auto;
  padding: 72px 24px;
}
.legal-page-wrap h1 {
  margin-bottom: 0.5rem;
}
.legal-date {
  font-family: var(--font-heading);
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 3rem;
  display: block;
}
.legal-page-wrap h2 {
  font-size: 1.25rem;
  margin-top: 2.5rem;
  margin-bottom: 0.75rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--border-light);
}
.legal-page-wrap p {
  color: var(--text-muted);
  line-height: 1.8;
  font-size: 0.95rem;
}
.legal-page-wrap ul {
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.8;
}
.legal-page-wrap li { margin-bottom: 0.5rem; }

.not-found-block {
  min-height: calc(100vh - 72px);
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--off-white);
}
.not-found-inner {
  text-align: center;
  max-width: 480px;
  padding: 64px 32px;
}
.not-found-code {
  font-family: var(--font-heading);
  font-size: 7rem;
  font-weight: 800;
  color: var(--navy);
  opacity: 0.12;
  line-height: 1;
  display: block;
  margin-bottom: -1rem;
}
.not-found-inner h1 { font-size: 1.8rem; margin-bottom: 1rem; }
.not-found-inner p { color: var(--text-muted); margin-bottom: 2rem; }

.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background-color: var(--navy-deeper);
  border-top: 2px solid var(--gold);
  padding: 20px 0;
  display: none;
}
.cookie-banner.visible {
  display: block;
}
.cookie-banner-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cookie-banner-text {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.6;
  flex: 1;
  min-width: 240px;
}
.cookie-banner-text a {
  color: var(--gold);
  text-decoration: underline;
}
.cookie-banner-actions {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
}
.cookie-btn-accept {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--white);
  background-color: var(--gold);
  border: none;
  padding: 10px 22px;
  cursor: pointer;
  transition: background-color var(--transition);
}
.cookie-btn-accept:hover {
  background-color: var(--gold-dark);
}
.cookie-btn-decline {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  background: none;
  border: 1px solid rgba(255,255,255,0.2);
  padding: 10px 22px;
  cursor: pointer;
  transition: color var(--transition), border-color var(--transition);
}
.cookie-btn-decline:hover {
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}

@media (max-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 40px;
  }
  .article-layout {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .article-sidebar {
    position: static;
  }
  .two-col-feature {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .two-col-feature.reverse {
    direction: ltr;
  }
  .blog-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .knowledge-block {
    padding: 40px 32px;
  }
}

@media (max-width: 768px) {
  .section-pad { padding: 64px 0; }
  .section-pad-lg { padding: 72px 0; }

  .header-nav { display: none; }
  .nav-toggle { display: flex; }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .stat-strip {
    grid-template-columns: 1fr;
  }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .stat-item:last-child { border-bottom: none; }

  .blog-grid {
    grid-template-columns: 1fr;
  }

  .comparison-grid {
    grid-template-columns: 1fr;
  }

  .myth-reality-grid {
    grid-template-columns: 1fr;
  }

  .balance-wheel {
    grid-template-columns: repeat(2, 1fr);
  }

  .matrix-table {
    font-size: 0.82rem;
  }
  .matrix-table th, .matrix-table td {
    padding: 10px 12px;
  }

  .contact-form-wrap {
    padding: 32px 24px;
  }

  .hero-block { min-height: 70vh; }
  .article-hero { height: 280px; }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .cookie-banner-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 480px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.45rem; }
  .hero-content .lead { font-size: 1rem; }
  .balance-wheel { grid-template-columns: 1fr 1fr; }
  .legal-page-wrap { padding: 48px 20px; }
}