/* ── Google Fonts ─────────────────────────────────────────────────────────── */
/* @import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,400;0,500;0,600;0,700;1,400&family=Fraunces:ital,opsz,wght@0,9..144,600;0,9..144,700;1,9..144,700&display=swap'); */
/* vietnamese */

/* vietnamese */
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUs8FyLNQOQZAnv9ZwNjucMHVn85Ni7emAe9lKqZTnbB-gzTK0K1ChJdt9vIVYX9G37lvd9mvIiQvTm.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUs8FyLNQOQZAnv9ZwNjucMHVn85Ni7emAe9lKqZTnbB-gzTK0K1ChJdt9vIVYX9G37lvd9mvMiQvTm.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Fraunces';
  font-style: italic;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUs8FyLNQOQZAnv9ZwNjucMHVn85Ni7emAe9lKqZTnbB-gzTK0K1ChJdt9vIVYX9G37lvd9mv0iQg.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* vietnamese */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c0qv86Rg.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c1qv86Rg.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c7qv8.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* vietnamese */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c0qv86Rg.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c1qv86Rg.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c7qv8.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* vietnamese */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c0qv86Rg.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c1qv86Rg.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/fraunces/v38/6NUu8FyLNQOQZAnv9bYEvDiIdE9Ea92uemAk_WBq8U_9v0c2Wa0K7iN7hzFUPJH58nib14c7qv8.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko70yyygA.woff2) format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko50yyygA.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko40yyygA.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 300;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko20yw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko70yyygA.woff2) format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko50yyygA.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko40yyygA.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko20yw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko70yyygA.woff2) format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko50yyygA.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko40yyygA.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko20yw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko70yyygA.woff2) format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko50yyygA.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko40yyygA.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko20yw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* cyrillic-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko70yyygA.woff2) format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
/* vietnamese */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko50yyygA.woff2) format('woff2');
  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
}
/* latin-ext */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko40yyygA.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'Plus Jakarta Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(https://fonts.gstatic.com/s/plusjakartasans/v12/LDIoaomQNQcsA88c7O9yZ4KMCoOg4Ko20yw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ── CSS Variables ────────────────────────────────────────────────────────── */
:root {
  --primary: #1a3d6b; --primary-dark: #0f2540; --primary-mid: #1e4d85;
  --accent: #4a90d9; --accent-light: #e8f2fb;
  --teal: #0d9488; --teal-light: #ccfbf1;
  --gold: #b45309; --gold-mid: #d97706; --gold-light: #fef3c7; --gold-bright: #f59e0b;
  --green: #16a34a; --green-light: #dcfce7;
  --white: #ffffff; --off-white: #f7f9fc; --gray-light: #eef1f6;
  --gray-mid: #8a9ab5; --gray-dark: #2c3e58; --text: #1c2a3a; --border: #d8e2f0;
  --shadow: 0 4px 24px rgba(26,61,107,0.10); --shadow-lg: 0 16px 56px rgba(26,61,107,0.16);
  --radius: 12px; --radius-lg: 20px; --radius-xl: 28px; --transition: 0.2s ease;
  --rose-light: #ffe4e6;
  --purple-light: #ede9fe;
}

/* ── Reset ────────────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Plus Jakarta Sans', sans-serif; color: var(--text); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
.page-view { display: none; }
.page-view.active { display: block; }
.skip-nav { position: absolute; top: -40px; left: 0; background: var(--primary); color: white; padding: 8px 16px; font-size: 14px; border-radius: 0 0 8px 0; z-index: 9999; transition: top 0.2s; }
.skip-nav:focus { top: 0; }
.border{border:1px solid;}

/* ── Topbar ───────────────────────────────────────────────────────────────── */
.topbar { background: var(--primary-dark); color: rgba(255,255,255,0.8); font-size: 12.5px; padding: 7px 32px; display: flex; align-items: center; justify-content: space-between; }
.topbar a { color: #9ec9f0; font-weight: 600; }
.topbar strong { color: #fff; }
.topbar-social { color: rgba(255,255,255,0.65); display: flex; align-items: center; transition: color 0.2s; }
.topbar-social:hover { color: #fff; }

/* ── Nav ──────────────────────────────────────────────────────────────────── */
nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.97); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); box-shadow: 0 1px 16px rgba(26,61,107,0.07); }
.nav-inner { max-width: 1240px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; height: 70px; }
.nav-logo { display: flex; align-items: center; margin-right: 36px; flex-shrink: 0; cursor: pointer; }
.nav-site-name { font-size: 18px; font-weight: 700; color: var(--primary); }
.nav-links { display: flex; align-items: center; gap: 2px; flex: 1; list-style: none; }
.nav-links > li { position: relative; }
.nav-links > li > a,
.nav-links > li > span { display: flex; align-items: center; gap: 4px; padding: 8px 12px; font-size: 14px; font-weight: 500; color: var(--gray-dark); border-radius: 8px; cursor: pointer; transition: background var(--transition), color var(--transition); white-space: nowrap; }
.nav-links > li > a:hover,
.nav-links > li.open > span { background: var(--accent-light); color: var(--primary); }
.nav-links > li > span.active-menu { color: var(--primary); font-weight: 700; background: var(--accent-light); }
.chevron { font-size: 9px; opacity: 0.45; transition: transform var(--transition); }
.nav-links > li.open .chevron { transform: rotate(180deg); }

/* ── Dropdown ─────────────────────────────────────────────────────────────── */
.dropdown { display: none; position: absolute; top: calc(100% + 10px); left: 0; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); padding: 24px; min-width: 540px; gap: 20px; grid-template-columns: 1fr 1fr; z-index: 200; animation: dropIn 0.18s ease; }
@keyframes dropIn { from { opacity:0; transform:translateY(-6px); } to { opacity:1; transform:translateY(0); } }
.nav-links > li.open .dropdown { display: grid; }
.dropdown-wide { grid-template-columns: 1fr 1fr 1fr; min-width: 740px; }
.dropdown-col h4 { font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-mid); margin-bottom: 10px; }
.dropdown-col a { display: flex; align-items: center; gap: 8px; padding: 7px 10px; font-size: 13.5px; color: var(--gray-dark); border-radius: 8px; transition: background var(--transition), color var(--transition); cursor: pointer; }
.dropdown-col a:hover { background: var(--accent-light); color: var(--primary); }
.dropdown-cta { grid-column: 1 / -1; background: linear-gradient(135deg, var(--accent-light) 0%, #dbeeff 100%); border-radius: 12px; padding: 14px 18px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.dropdown-cta p { font-size: 13.5px; color: var(--primary); font-weight: 500; }
.dropdown-cta a { font-size: 13px; font-weight: 600; color: var(--primary); padding: 7px 16px; background: var(--white); border-radius: 8px; border: 1.5px solid var(--border); white-space: nowrap; transition: box-shadow var(--transition), border-color var(--transition); }
.dropdown-cta a:hover { border-color: var(--accent); box-shadow: 0 2px 12px rgba(74,144,217,0.2); }

/* ── Nav right ────────────────────────────────────────────────────────────── */
.nav-right { display: flex; align-items: center; gap: 10px; margin-left: auto; flex-shrink: 0; }
.nav-about-link { padding: 8px 12px; font-size: 14px; font-weight: 500; color: var(--gray-dark); border-radius: 8px; cursor: pointer; transition: background var(--transition), color var(--transition); white-space: nowrap; }
.nav-about-link:hover { background: var(--accent-light); color: var(--primary); }

/* ── Search ───────────────────────────────────────────────────────────────── */
.nav-search { position: relative; }
.search-toggle { width: 38px; height: 38px; display: flex; align-items: center; justify-content: center; border: 1.5px solid var(--border); border-radius: 10px; background: transparent; cursor: pointer; color: var(--gray-dark); font-size: 15px; transition: all var(--transition); }
.search-toggle:hover { border-color: var(--primary); color: var(--primary); background: var(--accent-light); }
.search-flyout { display: none; position: absolute; top: calc(100% + 12px); right: 0; width: 360px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); padding: 18px; z-index: 300; animation: dropIn 0.18s ease; }
.search-flyout.open { display: block; }
.search-input-wrap { display: flex; align-items: center; gap: 10px; background: var(--off-white); border: 1.5px solid var(--border); border-radius: 12px; padding: 11px 15px; transition: border-color var(--transition); }
.search-input-wrap:focus-within { border-color: var(--accent); background: var(--white); }
.search-input-wrap input { border: none; background: transparent; outline: none; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; color: var(--text); width: 100%; }
.search-input-wrap input::placeholder { color: var(--gray-mid); }
.search-suggestions { margin-top: 14px; }
.search-suggestions p { font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-mid); margin-bottom: 8px; }
.search-suggestion-item { display: flex; align-items: center; gap: 10px; padding: 9px 10px; border-radius: 9px; font-size: 13.5px; color: var(--gray-dark); cursor: pointer; transition: background var(--transition), color var(--transition); }
.search-suggestion-item:hover { background: var(--accent-light); color: var(--primary); }

/* ── Buttons ──────────────────────────────────────────────────────────────── */
.btn-primary { padding: 10px 22px; border-radius: 10px; background: var(--primary); color: var(--white); font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; font-weight: 600; cursor: pointer; border: none; display: inline-block; transition: background var(--transition), box-shadow var(--transition), transform var(--transition); white-space: nowrap; }
.btn-primary:hover { background: var(--primary-dark); box-shadow: 0 4px 18px rgba(26,61,107,0.28); transform: translateY(-1px); }
.btn-outline { padding: 10px 22px; border-radius: 10px; border: 1.5px solid var(--border); font-size: 14px; font-weight: 500; color: var(--gray-dark); background: transparent; cursor: pointer; display: inline-block; transition: border-color var(--transition), color var(--transition); white-space: nowrap; }
.btn-outline:hover { border-color: var(--primary); color: var(--primary); }
.btn-hero { padding: 15px 30px; border-radius: 12px; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 15.5px; font-weight: 700; cursor: pointer; display: inline-flex; align-items: center; gap: 8px; transition: transform var(--transition), box-shadow var(--transition); }
.btn-hero:hover { transform: translateY(-2px); }
.btn-hero-primary { background: var(--white); color: var(--primary); border: none; box-shadow: 0 4px 24px rgba(0,0,0,0.18); }
.btn-hero-primary:hover { box-shadow: 0 8px 36px rgba(0,0,0,0.24); }
.btn-hero-ghost { background: transparent; color: rgba(255,255,255,0.88); border: 1.5px solid rgba(255,255,255,0.35); }
.btn-hero-ghost:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.7); }

/* ── Shared sections ──────────────────────────────────────────────────────── */
section { padding: 80px 32px; }
.section-inner { max-width: 1240px; margin: 0 auto; }
.section-eyebrow { font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--accent); margin-bottom: 12px; }
.section-title { font-family: 'Fraunces', serif; font-size: clamp(26px, 3.2vw, 40px); font-weight: 700; color: var(--primary-dark); line-height: 1.2; margin-bottom: 16px; letter-spacing: -0.3px; }
.section-sub { font-size: 17px; color: var(--gray-mid); max-width: 540px; line-height: 1.7; }

/* ── Trust bar ────────────────────────────────────────────────────────────── */
.trust-bar { background: var(--off-white); border-bottom: 1px solid var(--border); padding: 16px 32px; }
.trust-bar-inner { max-width: 1240px; margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 9px; font-size: 13.5px; color: var(--gray-dark); font-weight: 500; }
.trust-icon { width: 32px; height: 32px; background: var(--white); border: 1px solid var(--border); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 15px; }
.trust-item strong { color: var(--primary); }

/* ── Hero shared ──────────────────────────────────────────────────────────── */
.hero { padding: 80px 32px 0; overflow: hidden; position: relative; }
.hero::after { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px); background-size: 48px 48px; pointer-events: none; }
.hero-inner { max-width: 1240px; margin: 0 auto; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: flex-end; position: relative; z-index: 1; }
.hero-text { padding-bottom: 80px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18); color: rgba(255,255,255,0.92); font-size: 12.5px; font-weight: 600; padding: 6px 14px; border-radius: 100px; margin-bottom: 24px; letter-spacing: 0.02em; backdrop-filter: blur(8px); }
.hero-eyebrow::before { content: ''; width: 7px; height: 7px; background: #6ee7b7; border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(1.4)} }
.hero h1 { font-family: 'Fraunces', serif; font-size: clamp(36px, 4.5vw, 56px); font-weight: 700; line-height: 1.12; color: var(--white); margin-bottom: 20px; letter-spacing: -0.5px; }
.hero h1 em { font-style: italic; }
.hero-sub { font-size: 18px; color: rgba(255,255,255,0.72); max-width: 480px; margin-bottom: 14px; line-height: 1.65; }
.hero-choice { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); border-radius: 10px; padding: 10px 16px; margin-bottom: 32px; font-size: 14px; color: rgba(255,255,255,0.85); }
.choice-yes { display: flex; align-items: center; gap: 6px; color: #86efac; font-weight: 600; font-size: 13.5px; }
.hero-choice .divider { width: 1px; height: 18px; background: rgba(255,255,255,0.2); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── Hero card shared ─────────────────────────────────────────────────────── */
.hero-card-wrap { display: flex; justify-content: center; padding-bottom: 0; }
.hero-card { background: var(--white); border-radius: var(--radius-xl) var(--radius-xl) 0 0; padding: 32px 28px 40px; width: 100%; max-width: 420px; box-shadow: 0 -8px 48px rgba(26,61,107,0.3); }
.hero-card-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent); margin-bottom: 6px; }
.hero-card h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 600; color: var(--primary-dark); margin-bottom: 20px; line-height: 1.3; }

/* ── FAQ ──────────────────────────────────────────────────────────────────── */
.faq-item { background: var(--off-white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; transition: border-color var(--transition); }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 20px 22px; cursor: pointer; gap: 16px; }
.faq-q span { font-size: 15px; font-weight: 600; color: var(--primary-dark); line-height: 1.4; }
.faq-icon { width: 28px; height: 28px; flex-shrink: 0; background: var(--accent-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 16px; color: var(--accent); font-weight: 700; transition: transform var(--transition), background var(--transition); }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--primary); color: white; padding-bottom: 4px;}
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; font-size: 14.5px; color: var(--gray-mid); line-height: 1.7; padding: 0 22px; }
.faq-item.open .faq-a { max-height: 220px; padding: 0 22px 20px; }

/* ── CTA band ─────────────────────────────────────────────────────────────── */
.cta-band { padding: 88px 32px; text-align: center; position: relative; overflow: hidden; }
.cta-band-inner { position: relative; z-index: 1; }
.cta-band h2 { font-family: 'Fraunces', serif; font-size: clamp(28px, 4vw, 46px); font-weight: 700; color: var(--white); margin-bottom: 14px; letter-spacing: -0.5px; }
.cta-band p { font-size: 18px; color: rgba(255,255,255,0.72); margin-bottom: 12px; max-width: 520px; margin-left: auto; margin-right: auto; line-height: 1.65; }
.cta-choice { display: inline-flex; align-items: center; gap: 12px; font-size: 14px; color: rgba(255,255,255,0.65); margin-bottom: 36px; background: rgba(255,255,255,0.07); padding: 8px 18px; border-radius: 100px; border: 1px solid rgba(255,255,255,0.15); }
.cta-choice strong { color: #86efac; }
.cta-band-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.phone-link { display: inline-flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.8); font-size: 15px; font-weight: 500; padding: 14px 26px; border: 1.5px solid rgba(255,255,255,0.28); border-radius: 12px; transition: background var(--transition), border-color var(--transition); }
.phone-link:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.6); }

/* ── Footer ───────────────────────────────────────────────────────────────── */
footer { background: var(--primary-dark); color: rgba(255,255,255,0.55); padding: 68px 32px 0; }
.footer-inner { max-width: 1240px; margin: 0 auto; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 52px; border-bottom: 1px solid rgba(255,255,255,0.09); }
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 270px; margin-bottom: 22px; margin-top: 18px; }
.footer-contact a { display: block; font-size: 14px; color: rgba(255,255,255,0.55); margin-bottom: 7px; transition: color var(--transition); }
.footer-contact a:hover { color: var(--white); }
.footer-col h4 { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.38); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 13.5px; color: rgba(255,255,255,0.55); margin-bottom: 11px; transition: color var(--transition); cursor: pointer; }
.footer-col a:hover { color: var(--white); }
.footer-bottom { padding: 26px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 14px; font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: rgba(255,255,255,0.35); transition: color var(--transition); }
.footer-bottom a:hover { color: rgba(255,255,255,0.65); }
.footer-bottom-links { display: flex; gap: 18px; flex-wrap: wrap; }

/* ── Calc ─────────────────────────────────────────────────────────────────── */
.calc-field { margin-bottom: 16px; }
.calc-field label { display: block; font-size: 13px; font-weight: 600; color: var(--gray-dark); margin-bottom: 5px; }
.calc-field input, .calc-field select { width: 100%; padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 10px; font-family: 'Plus Jakarta Sans', sans-serif; font-size: 14px; color: var(--text); background: var(--white); appearance: none; outline: none; transition: border-color var(--transition); }
.calc-field input:focus, .calc-field select:focus { border-color: var(--accent); }
.calc-result { color: var(--white); border-radius: 12px; padding: 20px; text-align: center; margin-top: 20px; }
.calc-result-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.7; margin-bottom: 4px; }
.calc-result-num { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 700; }
.calc-result-sub { font-size: 13px; opacity: 0.65; margin-top: 4px; }

/* ── Responsive: global ───────────────────────────────────────────────────── */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card-wrap { display: none; }
  .hero-text { padding-bottom: 60px; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  section { padding: 56px 20px; }
  .footer-top { grid-template-columns: 1fr; }
}

/* ══ HOME PAGE ══════════════════════════════════════════════════════════════ */
.home-hero { background: var(--primary-dark); }
.home-hero::before { content:''; position:absolute; inset:0; background: radial-gradient(ellipse 55% 80% at 15% 50%, rgba(74,144,217,0.22) 0%, transparent 65%), radial-gradient(ellipse 40% 60% at 80% 20%, rgba(26,61,107,0.6) 0%, transparent 60%); }
.home-hero h1 em { color: #93c5fd; }
.home-hero .hero-text { padding-bottom: 90px; }
.ins-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.ins-tile { display: flex; align-items: center; gap: 10px; padding: 13px 14px; border: 1.5px solid var(--border); border-radius: 11px; cursor: pointer; transition: border-color var(--transition), background var(--transition); font-size: 14px; font-weight: 500; color: var(--gray-dark); }
.ins-tile.active, .ins-tile:hover { border-color: var(--primary); background: var(--accent-light); color: var(--primary); }
.hero-cta-btn { width:100%; padding:14px; background:var(--primary); color:var(--white); border:none; border-radius:11px; font-family:'Plus Jakarta Sans',sans-serif; font-size:15px; font-weight:700; cursor:pointer; margin-bottom:10px; transition: background var(--transition), box-shadow var(--transition); }
.hero-cta-btn:hover { background:var(--primary-dark); box-shadow:0 6px 20px rgba(26,61,107,0.3); }
.agent-note { text-align:center; font-size:12.5px; color:var(--gray-mid); }
.agent-note span { color:var(--green); font-weight:600; }
.choice-band { background: linear-gradient(135deg, #f0f7ff 0%, #e8f2fb 100%); border-top: 1px solid var(--border);  padding: 48px 32px; }
.choice-band-inner { max-width: 1240px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.choice-card { background: var(--white); border-radius: var(--radius-lg); padding: 32px 28px; border: 1.5px solid var(--border); display: flex; gap: 20px; align-items: flex-start; transition: border-color var(--transition), box-shadow var(--transition); cursor:pointer; }
.choice-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.choice-card-icon { width: 52px; height: 52px; flex-shrink: 0; background: var(--accent-light); border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 26px; }
.choice-card h3 { font-size: 18px; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.choice-card p { font-size: 14.5px; color: var(--gray-mid); line-height: 1.65; }
.compliance-badges { background: linear-gradient(135deg, #f0f7ff 0%, #e8f2fb 100%); border-bottom: 1px solid var(--border); padding: 0 32px 48px; }
.compliance-badges-inner { max-width: 1240px; margin: 0 auto; padding-top: 28px; border-top: 1px solid var(--border); }
.compliance-badges-header { text-align: center; margin-bottom: 16px; }
.compliance-badges-grid { display: flex; align-items: stretch; justify-content: space-between; gap: 16px; flex-wrap: nowrap; }
.compliance-badge { display: flex; flex: 1; align-items: center; justify-content: center; gap: 10px; background: var(--white); border: 1.5px solid var(--border); border-radius: 12px; padding: 16px 20px; }
.compliance-badge-icon { display: flex; align-items: center; flex-shrink: 0; width: 48px; height: 48px; }
.compliance-badge-icon svg { width: 48px; height: 48px; }
.compliance-badge-label { font-size: 13px; color: var(--gray-mid); font-weight: 600; white-space: nowrap; }
.products-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.product-card { border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 28px 24px; background: var(--white); transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition); cursor:pointer; }
.product-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-4px); }
.product-icon { width: 52px; height: 52px; background: var(--accent-light); border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 26px; margin-bottom: 18px; }
.product-card h3 { font-size: 17px; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.product-card p { font-size: 14px; color: var(--gray-mid); line-height: 1.65; margin-bottom: 20px; }
.product-link { font-size: 13.5px; font-weight: 600; color: var(--accent); display: inline-flex; align-items: center; gap: 6px; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.dark-card { border-radius: var(--radius-xl); padding: 48px 40px; position: relative; overflow: hidden; min-height: 400px; display: flex; flex-direction: column; justify-content: center; }
.dark-card::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(74,144,217,0.25) 0%, transparent 60%); }
.dark-card-inner { position:relative; z-index:1; }
.big-num { font-family:'Fraunces',serif; font-size:72px; font-weight:700; color:var(--white); line-height:1; }
.big-num sup { font-size:32px; font-family:'Plus Jakarta Sans',sans-serif; font-weight:400; }
.big-label { font-size:15px; color:rgba(255,255,255,0.65); margin-top:8px; margin-bottom:28px; }
.badges { display:flex; gap:10px; flex-wrap:wrap; }
.badge-pill { background:rgba(255,255,255,0.12); border:1px solid rgba(255,255,255,0.22); color:var(--white); font-size:13px; font-weight:500; padding:7px 14px; border-radius:100px; }
.why-points { display:flex; flex-direction:column; gap:22px; margin-top:32px; }
.why-point { display:flex; gap:16px; align-items:flex-start; }
.wi { width:46px; height:46px; flex-shrink:0; background:var(--accent-light); border-radius:12px; display:flex; align-items:center; justify-content:center; font-size:22px; margin-top:2px; }
.why-point h4 { font-size:16px; font-weight:700; color:var(--primary-dark); margin-bottom:4px; }
.why-point p { font-size:14px; color:var(--gray-mid); line-height:1.65; }
.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% + 28px); right:calc(16.66% + 28px); height:2px; background:var(--border); z-index:0; }
.step { text-align:center; padding:0 36px; position:relative; z-index:1; }
.step-num { width:64px; height:64px; background:var(--primary); color:var(--white); font-family:'Fraunces',serif; font-size:26px; font-weight:700; border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 24px; border:4px solid var(--white); box-shadow:0 0 0 2px var(--border),var(--shadow); }
.step h3 { font-size:18px; font-weight:700; color:var(--primary-dark); margin-bottom:10px; }
.step p { font-size:14.5px; color:var(--gray-mid); line-height:1.7; }
.home-cta { background:linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-mid) 60%, #1d5290 100%); }
.home-cta::before { content:''; position:absolute; width:700px; height:700px; background:radial-gradient(circle, rgba(74,144,217,0.18) 0%, transparent 70%); top:-250px; left:-120px; }

/* ══ LIFE PAGE ══════════════════════════════════════════════════════════════ */
.life-hero { background: var(--primary-dark); }
.life-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 55% 80% at 15% 50%, rgba(74,144,217,0.22) 0%, transparent 65%), radial-gradient(ellipse 40% 60% at 80% 20%, rgba(26,61,107,0.6) 0%, transparent 60%); }
.life-hero h1 em { color:#93c5fd; }
.q-field label { display:block; font-size:12px; font-weight:600; color:var(--gray-mid); margin-bottom:5px; text-transform:uppercase; letter-spacing:0.06em; }
.q-field select, .q-field input { width:100%; padding:11px 14px; border:1.5px solid var(--border); border-radius:10px; font-family:'Plus Jakarta Sans',sans-serif; font-size:14px; color:var(--text); background:var(--off-white); appearance:none; outline:none; transition:border-color var(--transition); }
.q-field select:focus, .q-field input:focus { border-color:var(--accent); background:var(--white); }
.q-row { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.quote-fields { display:flex; flex-direction:column; gap:12px; margin-bottom:16px; }
.term-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-bottom:32px; }
.term-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:28px 24px; text-align:center; position:relative; overflow:hidden; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); }
.term-card::after { content:''; position:absolute; top:0; left:0; right:0; height:4px; transition:background var(--transition); }
.term-card:hover { border-color:var(--primary); box-shadow:var(--shadow); transform:translateY(-4px); }
.term-card:hover::after, .term-card.popular::after { background:var(--accent); }
.term-card.popular { border-color:var(--accent); background:linear-gradient(145deg,#f0f7ff 0%,var(--white) 100%); }
.popular-badge { display:inline-flex; align-items:center; gap:6px; background:var(--accent-light); color:var(--accent); font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; padding:4px 10px; border-radius:100px; margin-bottom:12px; }
.term-years { font-family:'Fraunces',serif; font-size:52px; font-weight:700; color:var(--primary-dark); line-height:1; }
.term-years span { font-size:20px; font-family:'Plus Jakarta Sans',sans-serif; font-weight:500; color:var(--gray-mid); }
.term-desc { font-size:14px; color:var(--gray-mid); margin:12px 0 20px; line-height:1.6; }
.term-features { text-align:left; display:flex; flex-direction:column; gap:8px; margin-bottom:22px; }
.term-feature { display:flex; align-items:center; gap:8px; font-size:13.5px; color:var(--gray-dark); }
.tck { color:var(--green); font-size:15px; }
.term-link { font-size:14px; font-weight:600; color:var(--accent); display:inline-flex; align-items:center; gap:6px; transition:gap var(--transition); cursor:pointer; }
.dime-grid { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:start; }
.dime-letters { display:flex; flex-direction:column; gap:18px; margin-top:28px; }
.dime-letter { display:flex; gap:16px; align-items:flex-start; }
.dime-d { width:48px; height:48px; flex-shrink:0; border-radius:12px; display:flex; align-items:center; justify-content:center; font-family:'Fraunces',serif; font-size:24px; font-weight:700; color:var(--white); }
.calc-card { background:var(--off-white); border:1.5px solid var(--border); border-radius:var(--radius-xl); padding:36px 32px; }
.calc-card h3 { font-family:'Fraunces',serif; font-size:22px; font-weight:600; color:var(--primary-dark); margin-bottom:6px; }
.calc-card > p { font-size:14px; color:var(--gray-mid); margin-bottom:24px; line-height:1.6; }
.calc-result { background:var(--primary); }
.calc-result-num { color:#93c5fd; }
.biz-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.biz-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:28px 24px; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); position:relative; overflow:hidden; }
.biz-card::before { content:''; position:absolute; left:0; top:0; bottom:0; width:4px; background:var(--border); transition:background var(--transition); }
.biz-card:hover { border-color:var(--primary); box-shadow:var(--shadow); transform:translateY(-3px); }
.biz-card:hover::before { background:var(--accent); }
.biz-card h3 { font-size:18px; font-weight:700; color:var(--primary-dark); margin-bottom:8px; }
.biz-card p { font-size:14px; color:var(--gray-mid); line-height:1.65; }
.proof-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.proof-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:28px 24px; }
.proof-stars { color:#f59e0b; font-size:18px; letter-spacing:2px; margin-bottom:14px; }
.proof-card blockquote { font-size:15px; color:var(--gray-dark); line-height:1.7; margin-bottom:18px; font-style:italic; }
.proof-author { display:flex; align-items:center; gap:12px; }
.proof-avatar { width:40px; height:40px; border-radius:50%; background:var(--accent-light); display:flex; align-items:center; justify-content:center; font-size:18px; }
.proof-name { font-size:14px; font-weight:700; color:var(--primary-dark); }
.proof-meta { font-size:12px; color:var(--gray-mid); }
.faq-grid { display:grid; grid-template-columns:1fr 1fr; gap:16px; }

/* ══ DISABILITY PAGE ════════════════════════════════════════════════════════ */
.dis-hero { background:var(--primary-dark); }
.dis-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 55% 80% at 15% 50%, rgba(74,144,217,0.22) 0%, transparent 65%); }
.dis-hero h1 em { color:#93c5fd; }
.stat-card { background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.15); border-radius:var(--radius-xl); padding:36px 32px; backdrop-filter:blur(12px); }
.stat-row { display:flex; flex-direction:column; gap:24px; }
.stat-item { border-bottom:1px solid rgba(255,255,255,0.1); padding-bottom:20px; }
.stat-item:last-child { border-bottom:none; padding-bottom:0; }
.stat-num { font-family:'Fraunces',serif; font-size:40px; font-weight:700; color:#93c5fd; line-height:1; margin-bottom:4px; }
.stat-lbl { font-size:14px; color:rgba(255,255,255,0.65); line-height:1.5; }
.income-visual { background:linear-gradient(145deg,var(--primary-dark) 0%,var(--primary-mid) 100%); border-radius:var(--radius-xl); padding:48px 40px; position:relative; overflow:hidden; min-height:360px; display:flex; flex-direction:column; justify-content:center; }
.income-visual::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(74,144,217,0.25) 0%, transparent 60%); }
.income-bar-wrap { position:relative; z-index:1; }
.bar-label { font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; color:rgba(255,255,255,0.5); margin-bottom:10px; }
.bar-track { height:10px; background:rgba(255,255,255,0.15); border-radius:100px; margin-bottom:16px; overflow:hidden; }
.bar-fill { height:100%; border-radius:100px; }
.legend { display:flex; flex-direction:column; gap:10px; margin-top:8px; }
.leg { display:flex; align-items:center; gap:10px; font-size:13.5px; color:rgba(255,255,255,0.8); }
.dot { width:10px; height:10px; border-radius:50%; flex-shrink:0; }
.cov-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
.cov-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:32px 28px; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); position:relative; overflow:hidden; }
.cov-card::after { content:''; position:absolute; bottom:0; left:0; right:0; height:3px; background:transparent; transition:background var(--transition); }
.cov-card:hover { border-color:var(--primary); box-shadow:var(--shadow); transform:translateY(-4px); }
.cov-card:hover::after { background:var(--accent); }
.cov-icon { width:52px; height:52px; background:var(--accent-light); border-radius:14px; display:flex; align-items:center; justify-content:center; font-size:26px; margin-bottom:18px; }
.cov-card h3 { font-size:20px; font-weight:700; color:var(--primary-dark); margin-bottom:10px; }
.cov-card p { font-size:14.5px; color:var(--gray-mid); line-height:1.7; margin-bottom:20px; }
.spec-tbl { display:flex; flex-direction:column; gap:8px; margin-bottom:24px; }
.spec-row { display:flex; justify-content:space-between; align-items:center; font-size:13.5px; padding:8px 0; border-bottom:1px solid var(--gray-light); }
.spec-row:last-child { border-bottom:none; }
.spec-l { color:var(--gray-mid); }
.spec-v { font-weight:600; color:var(--primary-dark); }
.card-lnk { font-size:14px; font-weight:600; color:var(--accent); display:inline-flex; align-items:center; gap:6px; transition:gap var(--transition); cursor:pointer; }
.cov-card:hover .card-lnk { gap:10px; }
.persona-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.persona-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:28px 24px; text-align:center; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); }
.persona-card:hover { border-color:var(--primary); box-shadow:var(--shadow); transform:translateY(-3px); }
.persona-emoji { font-size:40px; margin-bottom:14px; }
.persona-card h3 { font-size:17px; font-weight:700; color:var(--primary-dark); margin-bottom:8px; }
.persona-card p { font-size:13.5px; color:var(--gray-mid); line-height:1.65; }
.dis-cta { background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary-mid) 60%,#1d5290 100%); }

/* ══ LTC PAGE ═══════════════════════════════════════════════════════════════ */
.ltc-hero { background:var(--primary-dark); }
.ltc-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 55% 80% at 15% 50%, rgba(13,148,136,0.2) 0%, transparent 65%), radial-gradient(ellipse 40% 60% at 85% 20%, rgba(74,144,217,0.2) 0%, transparent 60%); }
.ltc-hero h1 em { color:#5eead4; }
.ltc-cost-card { background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.15); border-radius:var(--radius-xl); padding:36px 32px; backdrop-filter:blur(12px); }
.ltc-cost-card h3 { font-family:'Fraunces',serif; font-size:17px; font-weight:600; color:rgba(255,255,255,0.9); margin-bottom:24px; }
.cost-row { display:flex; justify-content:space-between; align-items:center; padding:14px 0; border-bottom:1px solid rgba(255,255,255,0.1); }
.cost-row:last-child { border-bottom:none; }
.cost-type { font-size:14px; color:rgba(255,255,255,0.65); }
.cost-num { font-family:'Fraunces',serif; font-size:22px; font-weight:700; color:#5eead4; }
.cost-period { font-size:11px; color:rgba(255,255,255,0.4); }
.cost-note { font-size:11px; color:rgba(255,255,255,0.3); margin-top:16px; line-height:1.6; }
.ltc-reality-visual { background:linear-gradient(145deg,var(--primary-dark) 0%,#1a4060 100%); border-radius:var(--radius-xl); padding:44px 40px; position:relative; overflow:hidden; min-height:400px; display:flex; flex-direction:column; justify-content:center; }
.ltc-reality-visual::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(13,148,136,0.25) 0%, transparent 60%); }
.care-costs { position:relative; z-index:1; }
.care-costs-title { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.1em; color:rgba(255,255,255,0.4); margin-bottom:16px; }
.care-item { display:flex; justify-content:space-between; align-items:center; padding:14px 0; border-bottom:1px solid rgba(255,255,255,0.08); }
.care-item:last-child { border-bottom:none; }
.care-label { font-size:14px; color:rgba(255,255,255,0.65); }
.care-price { font-family:'Fraunces',serif; font-size:20px; font-weight:700; color:#5eead4; }
.care-period { font-size:11px; color:rgba(255,255,255,0.4); }
.ltc-options-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.ltc-opt-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:28px 24px; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); position:relative; overflow:hidden; }
.ltc-opt-card::after { content:''; position:absolute; top:0; left:0; right:0; height:3px; transition:background var(--transition); }
.ltc-opt-card.featured { border-color:var(--teal); background:linear-gradient(145deg,#f0fdfa 0%,var(--white) 100%); }
.ltc-opt-card.featured::after { background:var(--teal); }
.ltc-opt-card:hover { border-color:var(--teal); box-shadow:var(--shadow); transform:translateY(-4px); }
.ltc-opt-card:hover::after { background:var(--teal); }
.featured-pill { display:inline-flex; align-items:center; gap:6px; background:var(--teal-light); color:var(--teal); font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; padding:4px 10px; border-radius:100px; margin-bottom:14px; }
.opt-icon { font-size:32px; margin-bottom:16px; }
.ltc-opt-card h3 { font-size:18px; font-weight:700; color:var(--primary-dark); margin-bottom:10px; }
.ltc-opt-card p { font-size:14px; color:var(--gray-mid); line-height:1.65; margin-bottom:20px; }
.feat-list { display:flex; flex-direction:column; gap:8px; margin-bottom:22px; }
.feat-item { display:flex; align-items:center; gap:10px; font-size:13.5px; color:var(--gray-dark); }
.feat-chk { color:var(--teal); font-size:16px; flex-shrink:0; }
.timeline { display:flex; flex-direction:column; gap:0; margin-top:36px; position:relative; }
.timeline::before { content:''; position:absolute; left:20px; top:24px; bottom:24px; width:2px; background:var(--border); }
.tl-item { display:flex; gap:20px; align-items:flex-start; padding-bottom:28px; position:relative; z-index:1; }
.tl-item:last-child { padding-bottom:0; }
.tl-dot { width:42px; height:42px; flex-shrink:0; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:18px; border:3px solid var(--white); }
.tl-dot.best { background:var(--teal); box-shadow:0 0 0 2px var(--teal); }
.tl-dot.good { background:var(--accent-light); box-shadow:0 0 0 2px var(--border); }
.tl-dot.caution { background:#fef3c7; box-shadow:0 0 0 2px var(--border); }
.tl-body { padding-top:8px; }
.tl-age { font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; color:var(--gray-mid); margin-bottom:4px; }
.tl-body h4 { font-size:16px; font-weight:700; color:var(--primary-dark); margin-bottom:4px; }
.tl-body p { font-size:14px; color:var(--gray-mid); line-height:1.6; }
.timing-card { background:linear-gradient(145deg,var(--primary-dark) 0%,var(--primary-mid) 100%); border-radius:var(--radius-xl); padding:44px 40px; color:var(--white); position:relative; overflow:hidden; }
.timing-card::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(13,148,136,0.2) 0%, transparent 60%); }
.timing-inner { position:relative; z-index:1; }
.timing-card h3 { font-family:'Fraunces',serif; font-size:26px; font-weight:700; color:var(--white); margin-bottom:14px; line-height:1.25; }
.timing-card p { font-size:15px; color:rgba(255,255,255,0.7); line-height:1.7; margin-bottom:24px; }
.timing-badges { display:flex; flex-direction:column; gap:12px; }
.timing-badge { display:flex; align-items:center; gap:12px; background:rgba(255,255,255,0.1); border:1px solid rgba(255,255,255,0.15); border-radius:10px; padding:12px 16px; }
.timing-badge-text { font-size:14px; color:rgba(255,255,255,0.85); line-height:1.4; }
.timing-badge-text strong { color:var(--white); }
.mc-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
.mc-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:30px 26px; }
.mc-header { display:flex; align-items:center; gap:14px; margin-bottom:18px; }
.mc-icon { width:48px; height:48px; border-radius:12px; display:flex; align-items:center; justify-content:center; font-size:24px; }
.mc-icon.no { background:#fee2e2; }
.mc-icon.yes { background:var(--teal-light); }
.mc-header h3 { font-size:17px; font-weight:700; color:var(--primary-dark); }
.mc-list { display:flex; flex-direction:column; gap:10px; }
.mc-item { display:flex; align-items:flex-start; gap:10px; font-size:14px; color:var(--gray-dark); line-height:1.5; }
.no-dot { color:#ef4444; font-size:16px; flex-shrink:0; margin-top:1px; }
.yes-dot { color:var(--teal); font-size:16px; flex-shrink:0; margin-top:1px; }
.page-long-term-care .home-cta   { background:linear-gradient(135deg,var(--primary-dark) 0%,#0a3530 50%,#0d4a42 100%); }
.page-annuities .home-cta   {     background: linear-gradient(135deg, var(--primary-dark) 0%, #2a1e00 50%, #3d2800 100%);}
.page-long-term-care  .section-eyebrow { color:var(--teal); }
.page-annuities  .section-eyebrow { color:var(--gold-mid); }

/* ══ ANNUITIES PAGE ═════════════════════════════════════════════════════════ */
.ann-hero { background:var(--primary-dark); }
.ann-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 55% 80% at 10% 50%, rgba(245,158,11,0.15) 0%, transparent 65%), radial-gradient(ellipse 50% 60% at 85% 20%, rgba(74,144,217,0.2) 0%, transparent 60%); }
.ann-hero .hero-eyebrow { background:rgba(245,158,11,0.15); border:1px solid rgba(245,158,11,0.3); color:#fcd34d; }
.ann-hero .hero-eyebrow::before { background:#fcd34d; }
.ann-hero h1 em { color:#fcd34d; }
.ann-income-card { background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.15); border-radius:var(--radius-xl); padding:36px 32px; backdrop-filter:blur(12px); }
.ann-income-card h3 { font-family:'Fraunces',serif; font-size:17px; font-weight:600; color:rgba(255,255,255,0.9); margin-bottom:6px; }
.ann-income-card > p { font-size:13px; color:rgba(255,255,255,0.45); margin-bottom:24px; }
.scen { background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.1); border-radius:12px; padding:16px 18px; margin-bottom:12px; }
.scen-label { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; color:rgba(255,255,255,0.4); margin-bottom:10px; }
.scen-row { display:flex; justify-content:space-between; align-items:center; margin-bottom:6px; }
.scen-row:last-child { margin-bottom:0; }
.sk { font-size:13px; color:rgba(255,255,255,0.6); }
.sv { font-family:'Fraunces',serif; font-size:18px; font-weight:700; color:#fcd34d; }
.sv.m { color:rgba(255,255,255,0.8); font-size:15px; }
.ann-disclaimer { font-size:11px; color:rgba(255,255,255,0.3); margin-top:16px; line-height:1.6; }
.hiw-card { background:linear-gradient(145deg,var(--primary-dark) 0%,#1a3a55 100%); border-radius:var(--radius-xl); padding:44px 40px; position:relative; overflow:hidden; }
.hiw-card::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(245,158,11,0.15) 0%, transparent 60%); }
.hiw-inner { position:relative; z-index:1; }
.hiw-title { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.1em; color:rgba(255,255,255,0.4); margin-bottom:20px; }
.hiw-step { display:flex; gap:16px; align-items:flex-start; margin-bottom:24px; }
.hiw-step:last-child { margin-bottom:0; }
.hiw-n { width:36px; height:36px; flex-shrink:0; border-radius:50%; background:rgba(245,158,11,0.2); border:1.5px solid rgba(245,158,11,0.4); display:flex; align-items:center; justify-content:center; font-family:'Fraunces',serif; font-size:17px; font-weight:700; color:#fcd34d; }
.hiw-step h4 { font-size:15px; font-weight:700; color:var(--white); margin-bottom:4px; }
.hiw-step p { font-size:13.5px; color:rgba(255,255,255,0.6); line-height:1.6; }
.ann-types-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; }
.ann-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-lg); padding:32px 28px; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); position:relative; overflow:hidden; }
.ann-card::before { content:''; position:absolute; top:0; left:0; right:0; height:4px; transition:background var(--transition); }
.ann-card.fixed::before { background:var(--accent); }
.ann-card.indexed::before { background:var(--gold-bright); }
.ann-card.immediate::before { background:#10b981; }
.ann-card.deferred::before { background:#8b5cf6; }
.ann-card:hover { border-color:var(--gold-mid); box-shadow:var(--shadow); transform:translateY(-4px); }
.ann-badge { display:inline-flex; align-items:center; gap:6px; font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; padding:4px 10px; border-radius:100px; margin-bottom:14px; }
.ann-badge.fixed { background:var(--accent-light); color:var(--accent); }
.ann-badge.indexed { background:var(--gold-light); color:var(--gold); }
.ann-badge.immediate { background:#d1fae5; color:#065f46; }
.ann-badge.deferred { background:#ede9fe; color:#5b21b6; }
.ann-icon { font-size:32px; margin-bottom:16px; }
.ann-card h3 { font-size:20px; font-weight:700; color:var(--primary-dark); margin-bottom:10px; }
.ann-card > p { font-size:14.5px; color:var(--gray-mid); line-height:1.7; margin-bottom:22px; }
.rate-cards { display:flex; flex-direction:column; gap:14px; }
.rate-card { background:var(--off-white); border:1.5px solid var(--border); border-radius:var(--radius); padding:18px 20px; display:flex; justify-content:space-between; align-items:center; transition:border-color var(--transition),background var(--transition); }
.rate-card:hover { border-color:var(--gold-mid); background:var(--gold-light); }
.rate-card h4 { font-size:15px; font-weight:700; color:var(--primary-dark); margin-bottom:3px; }
.rate-card p { font-size:13px; color:var(--gray-mid); }
.rate-num { font-family:'Fraunces',serif; font-size:28px; font-weight:700; color:var(--gold-mid); line-height:1; }
.rate-note { font-size:11px; color:var(--gray-mid); margin-top:2px; }
.rate-disc { font-size:12px; color:var(--gray-mid); margin-top:16px; line-height:1.6; font-style:italic; }
.ann-calc-result { background:linear-gradient(135deg,var(--primary) 0%,var(--primary-mid) 100%); }
.ann-calc-result .calc-result-num { color:#fcd34d; }
.vs-wrap { overflow-x:auto; margin-top:40px; }
.vs-table { width:100%; border-collapse:collapse; }
.vs-table th { padding:14px 20px; text-align:left; font-size:13px; font-weight:700; text-transform:uppercase; letter-spacing:0.07em; border-bottom:2px solid var(--border); }
.vs-table th:first-child { color:var(--gray-mid); width:28%; }
.vs-table th.col-ann { background:var(--gold-light); color:var(--gold); }
.vs-table td { padding:14px 20px; font-size:14px; color:var(--gray-dark); border-bottom:1px solid var(--gray-light); }
.vs-table td:first-child { font-weight:600; color:var(--primary-dark); }
.vs-table td.col-ann { background:#fffbeb; }
.vs-table tr:last-child td { border-bottom:none; }
.ck { color:#16a34a; font-size:16px; }
.cx { color:#dc2626; font-size:16px; }
.cp { color:var(--gold-mid); font-size:16px; }
.ann-cta { background:linear-gradient(135deg,var(--primary-dark) 0%,#2a1e00 50%,#3d2800 100%); }
.section-eyebrow.gold { color:var(--gold-mid); }

/* ══ BLOG PAGE ══════════════════════════════════════════════════════════════ */
.blog-hero { background:var(--primary-dark); padding:72px 32px 80px; position:relative; overflow:hidden; }
.blog-hero::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 55% 80% at 15% 50%, rgba(74,144,217,0.22) 0%, transparent 65%), radial-gradient(ellipse 40% 60% at 80% 20%, rgba(26,61,107,0.6) 0%, transparent 60%); }
.blog-hero::after { content:''; position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px); background-size:48px 48px; }
.blog-hero-inner { max-width:1240px; margin:0 auto; position:relative; z-index:1; text-align:center; }
.blog-hero h1 { font-family:'Fraunces',serif; font-size:clamp(36px,4.5vw,54px); font-weight:700; color:var(--white); letter-spacing:-0.5px; margin-bottom:16px; line-height:1.15; }
.blog-hero h1 em { font-style:italic; color:#93c5fd; }
.blog-hero p { font-size:18px; color:rgba(255,255,255,0.7); max-width:540px; margin:0 auto 32px; line-height:1.7; }
.blog-filter-bar { background:var(--white); border-bottom:1px solid var(--border); padding:0 32px; position:sticky; top:70px; z-index:90; }
.blog-filter-inner { max-width:1240px; margin:0 auto; display:flex; align-items:center; gap:4px; overflow-x:auto; padding:0; height:54px; scrollbar-width:none; }
.blog-filter-inner::-webkit-scrollbar { display:none; }
.blog-filter-btn { padding:6px 16px; border-radius:100px; border:1.5px solid transparent; font-size:13.5px; font-weight:600; cursor:pointer; white-space:nowrap; transition:all var(--transition); background:transparent; color:var(--gray-dark); font-family:'Plus Jakarta Sans',sans-serif; }
.blog-filter-btn:hover { background:var(--accent-light); color:var(--primary); }
.blog-filter-btn.active { background:var(--primary); color:var(--white); border-color:var(--primary); }
.blog-featured-post { background:var(--white); border-bottom:1px solid var(--border); padding:64px 32px; }
.blog-featured-inner { max-width:1240px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; }
.blog-featured-label { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.12em; color:var(--accent); margin-bottom:16px; }
.blog-featured-title { font-family:'Fraunces',serif; font-size:clamp(28px,3.5vw,42px); font-weight:700; color:var(--primary-dark); line-height:1.2; letter-spacing:-0.4px; margin-bottom:16px; }
.blog-featured-excerpt { font-size:16.5px; color:var(--gray-mid); line-height:1.8; margin-bottom:28px; }
.blog-featured-meta { display:flex; align-items:center; gap:12px; font-size:13px; color:var(--gray-mid); margin-bottom:28px; }
.blog-featured-avatar { width:32px; height:32px; background:linear-gradient(135deg,var(--primary) 0%,var(--accent) 100%); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:15px; flex-shrink:0; }
.blog-featured-img { border-radius:var(--radius-xl); overflow:hidden; min-height:380px; background:linear-gradient(145deg,var(--primary-dark) 0%,var(--primary-mid) 100%); display:flex; align-items:center; justify-content:center; position:relative; }
.blog-featured-img::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 70% 60% at 80% 20%, rgba(74,144,217,0.3) 0%, transparent 60%); }
.blog-featured-img-icon { font-size:96px; opacity:0.25; position:relative; z-index:1; }
.blog-read-more { display:inline-flex; align-items:center; gap:8px; font-size:15px; font-weight:700; color:var(--primary); background:var(--accent-light); padding:12px 24px; border-radius:10px; transition:background var(--transition),color var(--transition),gap var(--transition); cursor:pointer; }
.blog-read-more:hover { background:var(--primary); color:var(--white); gap:12px; }
.blog-posts-section { background:var(--off-white); padding:64px 32px 80px; }
.blog-posts-inner { max-width:1240px; margin:0 auto; }
.blog-posts-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.blog-card { background:var(--white); border:1.5px solid var(--border); border-radius:var(--radius-xl); overflow:hidden; transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition); cursor:pointer; display:flex; flex-direction:column; }
.blog-card:hover { border-color:var(--primary); box-shadow:var(--shadow-lg); transform:translateY(-5px); }
.blog-card-img { width:100%; background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary-mid) 100%); position:relative; overflow:hidden; display:flex; align-items:center; justify-content:center; height:200px; }
.blog-card-img::before { content:''; position:absolute; inset:0; background:radial-gradient(ellipse 60% 70% at 80% 30%, rgba(74,144,217,0.3) 0%, transparent 60%); }
.blog-card-img-icon { font-size:56px; opacity:0.3; position:relative; z-index:1; }
.blog-card-body { padding:28px; flex:1; display:flex; flex-direction:column; }
.blog-tag { display:inline-flex; align-items:center; gap:6px; font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.08em; padding:4px 10px; border-radius:100px; margin-bottom:14px; width:fit-content; }
.blog-tag.life { background:var(--accent-light); color:var(--accent); }
.blog-tag.disability { background:#e0e7ff; color:#4338ca; }
.blog-tag.ltc { background:var(--teal-light); color:var(--teal); }
.blog-tag.annuity { background:var(--gold-light); color:var(--gold); }
.blog-tag.ideas { background:var(--green-light); color:var(--green); }
.blog-tag.education { background:var(--accent-light); color:var(--accent); }
.blog-card h3 { font-family:'Fraunces',serif; font-size:19px; font-weight:700; color:var(--primary-dark); line-height:1.3; margin-bottom:10px; }
.blog-card-excerpt { font-size:14px; color:var(--gray-mid); line-height:1.7; flex:1; margin-bottom:20px; }
.blog-card-meta { display:flex; align-items:center; gap:10px; font-size:12px; color:var(--gray-mid); padding-top:14px; border-top:1px solid var(--gray-light); }
.blog-card-avatar { width:26px; height:26px; background:linear-gradient(135deg,var(--primary) 0%,var(--accent) 100%); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:12px; flex-shrink:0; }
.blog-card-author { font-weight:600; color:var(--gray-dark); font-size:12.5px; }
.blog-subscribe { background:var(--white); border-top:1px solid var(--border); border-bottom:1px solid var(--border); padding:64px 32px; text-align:center; }
.blog-subscribe h2 { font-family:'Fraunces',serif; font-size:32px; font-weight:700; color:var(--primary-dark); margin-bottom:10px; }
.blog-subscribe p { font-size:16px; color:var(--gray-mid); margin-bottom:28px; }
.blog-subscribe-form { display:flex; gap:12px; max-width:460px; margin:0 auto; }
.blog-subscribe-form input { flex:1; padding:13px 18px; border-radius:10px; border:1.5px solid var(--border); font-family:'Plus Jakarta Sans',sans-serif; font-size:14px; outline:none; transition:border-color var(--transition); }
.blog-subscribe-form input:focus { border-color:var(--accent); }
.blog-subscribe-form button { padding:13px 24px; background:var(--primary); color:var(--white); border:none; border-radius:10px; font-family:'Plus Jakarta Sans',sans-serif; font-size:14px; font-weight:700; cursor:pointer; white-space:nowrap; transition:background var(--transition); }
.blog-subscribe-form button:hover { background:var(--primary-dark); }

/* ══ Per-page overrides ═════════════════════════════════════════════════════ */
.page-long-term-care .faq-item:hover { border-color: var(--teal); }
.page-long-term-care .faq-item.open .faq-icon { background: var(--teal); }
.page-long-term-care .faq-icon { background: var(--teal-light); color: var(--teal); }
.page-annuities .faq-item:hover { border-color: var(--gold-mid); }
.page-annuities .faq-item.open .faq-icon { background: var(--gold-mid); }
.page-annuities .faq-icon { background: var(--gold-light); color: var(--gold-mid); }
.page-long-term-care .calc-result { background: linear-gradient(135deg, #0a3530 0%, var(--teal) 100%); }
.page-long-term-care .calc-result-num { color: #5eead4; }
.page-annuities .calc-result { background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-mid) 100%); }
.page-annuities .calc-result-num { color: #fcd34d; }
.nav-about-link.active {background: var(--accent-light);color: var(--primary);}

/* ══ Responsive: page-specific ══════════════════════════════════════════════ */
@media (max-width: 960px) {
  .products-grid { grid-template-columns: 1fr 1fr; }
  .two-col, .dime-grid { grid-template-columns: 1fr; }
  .term-grid, .biz-grid { grid-template-columns: 1fr 1fr; }
  .cov-grid, .mc-grid, .ltc-options-grid, .ann-types-grid { grid-template-columns: 1fr; }
  .proof-grid, .persona-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps-grid::before { display: none; }
  .stat-card, .ltc-cost-card, .ann-income-card { display: none; }
  .choice-band-inner { grid-template-columns: 1fr; }
  .compliance-badges-grid { flex-wrap: wrap; }
  .compliance-badge { flex: 1 1 calc(50% - 8px); justify-content: flex-start; }
  .blog-featured-inner { grid-template-columns: 1fr; }
  .blog-featured-img { min-height: 260px; }
  .blog-posts-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .products-grid, .biz-grid, .term-grid { grid-template-columns: 1fr; }
  .proof-grid, .persona-grid { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .blog-posts-grid { grid-template-columns: 1fr; }
  .blog-subscribe-form { flex-direction: column; }
}
@media (max-width: 960px) {
  .post-article-page [style*="grid-template-columns:1fr 320px"] { grid-template-columns: 1fr !important; }
  .post-article-page aside { position: static !important; }
}

/* ── Post data table (style: data) ────────────────────────────────────────── */
.post-data-table-wrap { border: 1.5px solid var(--border); border-radius: var(--radius-xl); overflow: hidden; margin: 32px 0; }
.post-data-table-header { background: var(--primary-dark); padding: 20px 24px; position: relative; overflow: hidden; }
.post-data-table-header::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(74,144,217,0.2) 0%, transparent 60%); pointer-events: none; }
.post-data-table-header-inner { position: relative; z-index: 1; }
.post-data-table-title { font-family: 'Fraunces', serif; font-size: 17px; font-weight: 700; color: var(--white); margin-bottom: 3px; }
.post-data-table-sub { font-size: 13px; color: rgba(255,255,255,0.6); }
.post-data-table-body { background: var(--white); overflow-x: auto; }
table.post-data-table { width: 100%; border-collapse: collapse; font-size: 13.5px; }
table.post-data-table th { text-align: left; padding: 11px 16px; background: var(--off-white); color: var(--gray-mid); font-weight: 700; font-size: 11px; text-transform: uppercase; letter-spacing: 0.06em; border-bottom: 1.5px solid var(--border); }
table.post-data-table th:not(:first-child) { text-align: right; }
table.post-data-table td { padding: 10px 16px; border-bottom: 1px solid var(--gray-light); color: var(--gray-dark); vertical-align: middle; }
table.post-data-table td:not(:first-child) { text-align: right; font-weight: 500; }
table.post-data-table tr:last-child td { border-bottom: none; }
table.post-data-table tr:nth-child(even) td { background: var(--off-white); }
table.post-data-table tr.row-highlight td { background: #fef9c3 !important; font-weight: 700; color: var(--primary-dark)!important; }

/* ── Tips grid ────────────────────────────────────────────────────────────── */
.tip-cards-section-title { font-family: 'Fraunces', serif; font-size: 28px; font-weight: 700; color: var(--primary-dark); margin: 48px 0 16px; letter-spacing: -0.3px; line-height: 1.25; }
.tips-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 24px 0 32px; }
.tip-card { --tip-accent: var(--accent); background: var(--off-white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 22px 20px 22px 26px; position: relative; overflow: hidden; transition: border-color var(--transition), box-shadow var(--transition); }
.tip-card:hover { border-color: var(--tip-accent); box-shadow: var(--shadow); }
.tip-card__bar { position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--tip-accent); }
.tip-card h4 { font-size: 15px; font-weight: 700; color: var(--primary-dark); margin-bottom: 8px; }
.tip-card p { font-size: 13.5px; color: var(--gray-mid); line-height: 1.65; margin: 0; }
.tip-num { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--tip-accent); margin-bottom: 8px; }
@media (max-width: 600px) { .tips-grid { grid-template-columns: 1fr; } }

/* ── Post data table footnote ─────────────────────────────────────────────── */
.post-data-table-footnote { font-size: 13px; color: var(--gray-mid); margin-top: -16px; margin-bottom: 28px; line-height: 1.6; }

/* ── Post compare table (style: compare) ──────────────────────────────────── */
.post-compare-table-wrap { margin: 28px 0; border: 1.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.post-compare-table-body { overflow-x: auto; }
table.post-compare-table { width: 100%; border-collapse: collapse; font-size: 14px; }
table.post-compare-table thead th { padding: 13px 18px; background: var(--primary-dark); color: rgba(255,255,255,0.7); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em; text-align: left; }
table.post-compare-table thead th:not(:first-child) { text-align: center; }
table.post-compare-table tbody td { padding: 12px 18px; border-bottom: 1px solid var(--gray-light); color: var(--gray-dark); vertical-align: middle; }
table.post-compare-table tbody td:not(:first-child) { text-align: center; font-weight: 600; }
table.table-style-light tbody td:not(:first-child) { text-align: start; font-weight: 400; }
table.table-style-light thead th { color:#fff; text-align: start!important; font-size: 13px!important;}
table.post-compare-table tbody tr:last-child td { border-bottom: none; }
table.post-compare-table tbody tr:nth-child(even) td { background: var(--off-white); }
table.post-compare-table tr.row-highlight-green td { background: var(--green-light) !important; font-weight: 700; color: var(--primary-dark); }

table.table-style-light th:first-child {
  min-width: 200px;
}


/* ── Post rates table (life insurance sample rates) ───────────────────────── */
.post-rates-table-wrap { overflow-x: auto; border-radius: var(--radius-lg); border: 1.5px solid var(--border); box-shadow: var(--shadow); margin: 28px 0; }
table.rates-table { width: 100%; border-collapse: collapse; font-size: 14px; background: var(--white); }
table.rates-table thead th { padding: 13px 16px; background: var(--primary); color: rgba(255,255,255,0.85); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; text-align: left; border-bottom: 1.5px solid var(--border); white-space: nowrap; }
table.rates-table thead th:last-child { width: 1%; }
table.rates-table tbody td { padding: 12px 16px; border-bottom: 1px solid var(--gray-light); color: var(--gray-dark); vertical-align: middle; }
table.rates-table tbody tr:last-child td { border-bottom: none; }
table.rates-table td.rates-table-age { font-weight: 700; color: var(--primary-dark); font-size: 15px; vertical-align: middle; }
table.rates-table td.rate-val { font-weight: 600; color: var(--primary-dark); line-height: 1.4; }
table.rates-table .instant-badge { display: block; margin-top: 4px; font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--green); line-height: 1.3; }
table.rates-table .quote-btn-sm { display: inline-block; padding: 8px 14px; border-radius: 8px; background: var(--primary); color: var(--white); font-size: 12.5px; font-weight: 700; white-space: nowrap; transition: background var(--transition), box-shadow var(--transition); }
table.rates-table .quote-btn-sm:hover { background: var(--primary-dark); box-shadow: 0 4px 14px rgba(26,61,107,0.22); }

.rates-table {
    width: 100%;
    border-collapse: collapse;
    margin: 32px 0;
    font-size: 14px;
}
.rates-table td.rate-val {
    font-family: 'Fraunces', serif;
    font-size: 16px;
    font-weight: 600;
    color: var(--primary-dark);
}
.rates-table td {
    padding: 13px 16px;
    border-bottom: 1px solid var(--border);
    color: var(--gray-dark);
    vertical-align: middle;
}
.rates-table tbody tr:nth-child(even) td {
    background: var(--off-white);
}

.rates-table tbody tr:hover td {
  background: var(--accent-light);
}

/* ── Shared cell type indicators ──────────────────────────────────────────── */
td.pdt-positive { color: var(--green) !important; font-weight: 600; }
td.pdt-negative { color: #dc2626 !important; font-weight: 600; }
.pdt-check      { color: var(--green); font-size: 16px; font-weight: 700; }
.pdt-cross      { color: #dc2626; font-size: 16px; font-weight: 700; }
.pdt-partial    { color: var(--gold-mid); font-size: 14px; font-weight: 600; }

/* ── Post concept divider ─────────────────────────────────────────────────── */
.post-concept-divider { background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-mid) 100%); border-radius: var(--radius-xl); padding: 36px 40px; margin: 52px 0 40px; position: relative; overflow: hidden; }
.post-concept-divider::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 50% 70% at 90% 30%, rgba(74,144,217,0.22) 0%, transparent 60%); pointer-events: none; }
.post-concept-divider__inner { position: relative; z-index: 1; }
.post-concept-num { font-family: 'Fraunces', serif; font-size: 64px; font-weight: 700; color: rgba(255,255,255,0.12); line-height: 1; flex-shrink: 0; }
.post-concept-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: rgba(255,255,255,0.5); margin-bottom: 6px; }
.post-concept-title { font-family: 'Fraunces', serif; font-size: clamp(20px, 2.5vw, 27px); font-weight: 700; color: var(--white); line-height: 1.2; }
.post-concept-title em { font-style: italic; color: #93c5fd; }
@media (max-width: 600px) {
  .post-concept-divider { padding: 28px 24px; }
  .post-concept-num { font-size: 44px; }
}

/* ── Post short description ───────────────────────────────────────────────── */
.post-short-desc ul { padding-left: 25px; }

/* ── Article hero em highlight ────────────────────────────────────────────── */
.article-hero-block h1 em { font-style: italic; color: #93c5fd; }

/* ══ Single Blog Post ══════════════════════════════════════════════════════ */

/* ── Hero ─────────────────────────────────────────────────────────────────── */
.post-single-wrap { background: var(--white); }
.post-hero { background: var(--primary-dark); padding: 56px 32px 64px; position: relative; overflow: hidden; }
.post-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 55% 80% at 15% 50%, rgba(74,144,217,0.22) 0%, transparent 65%), radial-gradient(ellipse 40% 60% at 80% 20%, rgba(26,61,107,0.6) 0%, transparent 60%); }
.post-hero::after { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px); background-size: 48px 48px; }
.post-hero-inner { max-width: 800px; margin: 0 auto; position: relative; z-index: 1; }
.post-breadcrumb { display: flex; align-items: center; gap: 6px; font-size: 12.5px; color: rgba(255,255,255,0.5); margin-bottom: 24px; flex-wrap: wrap; }
.post-breadcrumb a { color: rgba(255,255,255,0.6); font-weight: 500; transition: color var(--transition); }
.post-breadcrumb a:hover { color: rgba(255,255,255,0.9); }
.post-hero-cats { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; }
.post-hero-title { font-family: 'Fraunces', serif; font-size: clamp(28px,4vw,48px); font-weight: 700; color: var(--white); line-height: 1.18; letter-spacing: -0.5px; margin-bottom: 28px; }
.post-hero-meta { display: flex; align-items: center; gap: 14px; }
.post-hero-meta .blog-card-avatar,
.post-hero-meta .user-avatar { flex-shrink: 0; width: 40px; height: 40px; border-radius: 50%; border: 2px solid rgba(255,255,255,0.25); }
.post-hero-meta-text { display: flex; flex-direction: column; gap: 2px; }
.post-hero-author { font-size: 14px; font-weight: 600; color: var(--white); }
.post-hero-date-read { font-size: 13px; color: rgba(255,255,255,0.55); }

/* ── Featured image ───────────────────────────────────────────────────────── */
.post-featured-img-bar { background: var(--off-white); padding: 0 32px; }
.post-featured-img-inner { max-width: 960px; margin: 0 auto; transform: translateY(-32px); }
.post-featured-img { width: 100%; max-height: 520px; object-fit: cover; border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); display: block; }

/* ── Body layout ──────────────────────────────────────────────────────────── */
.post-body-wrap { background: var(--off-white); padding: 0 32px 80px; }
.post-body-inner { max-width: 1160px; margin: 0 auto; display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }
.post-featured-img-bar + .post-body-wrap { padding-top: 0; }
.post-body-wrap:not(:has(.post-featured-img-bar + &)) { padding-top: 48px; }

/* ── Post content typography ─────────────────────────────────────────────── */
.post-content { min-width: 0; }
.post-content-body { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-xl); padding: 48px 56px; line-height: 1.85; color: var(--text); font-size: 17px; }
.post-content-body h2 { font-family: 'Fraunces', serif; font-size: clamp(22px,2.5vw,30px); font-weight: 700; color: var(--primary-dark); margin: 48px 0 18px; line-height: 1.25; letter-spacing: -0.3px; scroll-margin-top: 100px; }
.post-content-body h3 { font-family: 'Fraunces', serif; font-size: clamp(18px,2vw,23px); font-weight: 700; color: var(--primary-dark); margin: 36px 0 14px; line-height: 1.3; scroll-margin-top: 100px; }
.post-content-body h4 { font-size: 16px; font-weight: 700; color: var(--gray-dark); margin: 28px 0 10px; }
.post-content-body p { margin-bottom: 22px; }
.post-content-body p:last-child { margin-bottom: 0; }
.post-content-body a { color: var(--accent); font-weight: 500; text-decoration: underline; text-decoration-color: rgba(74,144,217,0.35); text-underline-offset: 3px; transition: color var(--transition); }
.post-content-body a:hover { color: var(--primary); }
.post-content-body ul, .post-content-body ol { margin: 0 0 22px 24px; }
.post-content-body li { margin-bottom: 8px; line-height: 1.75; }
.post-content-body blockquote { margin: 32px 0; padding: 20px 28px; background: var(--accent-light); border-left: 4px solid var(--accent); border-radius: 0 12px 12px 0; font-size: 18px; font-style: italic; color: var(--primary-dark); line-height: 1.7; }
.post-content-body blockquote p { margin-bottom: 0; }
.post-content-body img { border-radius: var(--radius); margin: 28px 0; box-shadow: var(--shadow); }
.post-content-body table { width: 100%; border-collapse: collapse; margin: 28px 0; font-size: 14.5px; }
.post-content-body th { background: var(--accent-light); color: var(--primary-dark); font-weight: 700; padding: 12px 16px; text-align: left; border: 1px solid var(--border); }
.post-content-body td { padding: 11px 16px; border: 1px solid var(--border); vertical-align: top; }
.post-content-body tr:nth-child(even) td { background: var(--off-white); }
.post-content-body code { background: var(--off-white); border: 1px solid var(--border); border-radius: 5px; padding: 2px 7px; font-size: 0.88em; color: var(--primary); font-family: 'Courier New', monospace; }
.post-content-body pre { background: var(--primary-dark); color: #e2e8f0; border-radius: var(--radius); padding: 24px; overflow-x: auto; margin: 28px 0; }
.post-content-body pre code { background: none; border: none; padding: 0; color: inherit; font-size: 14px; }
.post-content-body hr { border: none; border-top: 1px solid var(--border); margin: 40px 0; }

/* ── Post footer (tags + share) ───────────────────────────────────────────── */
.post-footer-row { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px; margin-top: 48px; padding-top: 28px; border-top: 1.5px solid var(--border); }
.post-footer-tags { display: flex; align-items: center; flex-wrap: wrap; gap: 8px; }
.post-footer-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-mid); }
.post-share { display: flex; align-items: center; gap: 8px; }
.post-share-btn { width: 36px; height: 36px; display: flex; align-items: center; justify-content: center; background: var(--off-white); border: 1.5px solid var(--border); border-radius: 9px; color: var(--gray-dark); transition: all var(--transition); }
.post-share-btn:hover { background: var(--accent-light); border-color: var(--accent); color: var(--primary); }

/* ── Author box ───────────────────────────────────────────────────────────── */
.post-author-box { display: flex; align-items: flex-start; gap: 20px; margin-top: 40px; padding: 28px; background: var(--off-white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); }
.post-author-avatar .blog-card-avatar,
.post-author-avatar .user-avatar { width: 56px; height: 56px; border-radius: 50%; flex-shrink: 0; }
.post-author-info { display: flex; flex-direction: column; gap: 4px; }
.post-author-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-mid); }
.post-author-name { font-size: 16px; font-weight: 700; color: var(--primary-dark); }
.post-author-bio { font-size: 14px; color: var(--gray-mid); line-height: 1.65; margin-top: 6px; }

/* ── Back link ────────────────────────────────────────────────────────────── */
.post-back-link { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--primary); background: var(--accent-light); padding: 10px 20px; border-radius: 10px; transition: background var(--transition), color var(--transition); }
.post-back-link:hover { background: var(--primary); color: var(--white); }

/* ── Sidebar ──────────────────────────────────────────────────────────────── */
.post-sidebar { position: sticky; top: 90px; display: flex; flex-direction: column; gap: 20px; }

/* Table of contents */
.post-toc-box { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 22px 24px; }
.post-toc-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-mid); margin-bottom: 14px; }
.post-toc-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.post-toc-list li.post-toc-sub { padding-left: 14px; }
.post-toc-link { display: block; font-size: 13px; color: var(--gray-dark); padding: 5px 8px; border-radius: 7px; line-height: 1.45; transition: background var(--transition), color var(--transition); }
.post-toc-link:hover { background: var(--accent-light); color: var(--primary); }
.post-toc-link.active { background: var(--accent-light); color: var(--primary); font-weight: 600; }


/* CTA card */
.post-sidebar-cta { background: linear-gradient(145deg, var(--primary-dark) 0%, var(--primary-mid) 100%); border-radius: var(--radius-lg); padding: 28px 24px; color: var(--white); }
.post-sidebar-cta-icon { font-size: 28px; margin-bottom: 12px; }
.post-sidebar-cta h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 700; margin-bottom: 8px; line-height: 1.25; }
.post-sidebar-cta p { font-size: 13.5px; color: rgba(255,255,255,0.7); line-height: 1.6; margin-bottom: 0; }
.post-sidebar-cta .btn-primary { background: rgba(255,255,255,0.15); border: 1.5px solid rgba(255,255,255,0.3); color: var(--white); font-size: 14px; }
.post-sidebar-cta .btn-primary:hover { background: var(--white); color: var(--primary); }

/* ── Related posts ────────────────────────────────────────────────────────── */
.post-related { background: var(--white); padding: 72px 32px 80px; border-top: 1px solid var(--border); }
.post-related-inner { max-width: 1240px; margin: 0 auto; }
.post-related-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 36px; }
.post-related-head h2 { font-family: 'Fraunces', serif; font-size: clamp(24px,3vw,34px); font-weight: 700; color: var(--primary-dark); }
.post-related-all { font-size: 14px; font-weight: 600; color: var(--primary); background: var(--accent-light); padding: 9px 18px; border-radius: 9px; transition: background var(--transition), color var(--transition); white-space: nowrap; }
.post-related-all:hover { background: var(--primary); color: var(--white); }


.citation-source { font-size: 12px; color: var(--gray-mid); margin-top: 6px; }

.callout {
  font-size: 14.5px;
  color: var(--gray-dark);
  line-height: 1.7;
  margin: 0;
}

.rider-title {
    font-size: 14.5px;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 5px;
}

.rider-desc {
  font-size: 13.5px;
  color: var(--gray-mid);
  line-height: 1.6;
}

.wp-block-columns.post-content-main,
.wp-block-columns.partnership-main{
  max-width: 1240px;
  margin: 0 auto;
  padding: 64px 32px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 56px;
  align-items: start !important;
}

.wp-block-columns.post-content-main{
  gap: 64px;
}

.sidebar-content{
	position: sticky;
    top: 90px;
    display: flex;
    flex-direction: column;
    gap: 20px;
 }

 .disclaimer  {
  font-size: 12.5px;
  color: var(--gray-mid);
  line-height: 1.65;
  margin: 0;
}

.cta-section-inner h2 {
  line-height: 1.25;
}


.section-header {
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 48px 0 24px;
  display: flex;
  align-items: center;
  gap: 18px;
}

.section-header-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 4px;
}
.section-header-icon {
  font-size: 36px;
  flex-shrink: 0;
}

.section-header-title {
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-weight: 700;
  line-height: 1.2;
  color: var(--primary-dark);
}
.use-item {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 26px;
  margin-bottom: 16px;
  position: relative;
  transition: border-color var(--transition), box-shadow var(--transition);
  scroll-margin-top: 100px;
}
.use-num-title {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 12px;
}
.use-num {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  color: var(--white);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Fraunces', serif;
  font-size: 15px;
  font-weight: 700;
}
.use-title {
  font-family: 'Fraunces', serif;
  font-size: 19px;
  font-weight: 700;
  color: var(--primary-dark);
}

.read-more-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
  margin-top: 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 6px 14px;
  transition: border-color var(--transition), background var(--transition);
}
.use-desc {
  font-size: 14.5px;
  color: var(--gray-dark);
  line-height: 1.75;
}
.use-desc p {
  margin-bottom: 12px;
}
.use-desc ul {
  padding-left: 20px;
  margin-bottom: 12px;
}

/* Sidebar TOC (manual sections + anchor links) */
.toc-box {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
}
.toc-box h3 {
  font-family: 'Plus Jakarta Sans', sans-serif!important;
  font-size: 11px!important;
  font-weight: 700!important;
  text-transform: uppercase;
  letter-spacing: 0.1em!important;
  color: var(--gray-mid)!important;
  margin-top: 0!important;
  margin-bottom: 14px!important;
}

.toc-box__subtitle{
  font-size:12px;color:var(--gray-mid);margin-bottom:14px;line-height:1.5;
}
.toc-section {
    margin-bottom: 16px;
}

.toc-section-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 6px;
  padding: 5px 10px;
  border-radius: 6px;
  display: block;
}
.toc-link {
  display: block;
  font-size: 12.5px;
  color: var(--gray-dark);
  padding: 3px 10px;
  border-radius: 5px;
  transition: background var(--transition), color var(--transition);
  line-height: 1.4;
  margin-bottom: 2px;
}
.toc-link:hover{
    background: var(--accent-light);
    color: var(--primary);
}

.method-card {
  border-radius: var(--radius-xl);
  padding: 36px 40px;
  margin-bottom: 32px;
  position: relative;
  overflow: hidden;
  scroll-margin-top: 100px;
}
.method-card-inner {
  position: relative;
  z-index: 1;
}
.method-num-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 14px;
}

.method-title {
  font-family: 'Fraunces', serif;
  font-size: 26px;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}

.method-body {
  font-size: 15px;
  line-height: 1.8;
}
.method-body p:last-child {
  margin-bottom: 0;
}

.solutions-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0;
}

.solution-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.solution-icon {
  font-size: 28px;
  margin-bottom: 10px;
}
.solution-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--primary-dark);
  margin-bottom: 8px;
}

.solution-desc {
  font-size: 13.5px;
  color: var(--gray-mid);
  line-height: 1.65;
}

.solution-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
  margin-top: 12px;
}
.solution-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}

.mb_18{
  margin-bottom:18px;
}
.mb_20{
  margin-bottom:20px;
}

.article_description p{
  font-size: 16px;
    color: var(--gray-dark);
    line-height: 1.8;
    margin-bottom: 20px;
}
.article_description h3 {
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--primary-dark);
  margin: 32px 0 12px;
}
.post-short-desc .list_content,
.article_description ul
{
  padding-left: 22px;
  margin-bottom: 18px;
  li{
    margin-bottom: 7px;
    line-height: 1.7;
  }
}
.article_description ol {
  margin: 0 0 18px 20px;

  li {
    font-size: 15.5px;
    color: var(--gray-dark);
    line-height: 1.75;
    margin-bottom: 8px;
}
}

.sidebar_cta_phone {
  display: block;
  padding: 13px;
  background: var(--white);
  color: var(--primary);
  border-radius: 10px;
  font-size: 14px;
  font-weight: 700;
  text-align: center;
  text-decoration: none;
  margin-bottom: 10px;
  margin-top: 10px;
  transition: box-shadow var(--transition);
}

.sidebar-cta a:hover, .sidebar-cta button:hover {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2);
}

.table-style-light .partial {
  color: var(--gold-mid);
  font-size: 16px;
}


.table-style-light .check {
  color: var(--green);
  font-size: 16px;
}
/* ── Responsive ───────────────────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .post-body-inner { grid-template-columns: 1fr; }
  .post-sidebar { position: static; }
  .post-toc-box,
  .toc-box { display: none !important; }
}
@media (max-width: 960px) {
  .wp-block-columns.post-content-main, .wp-block-columns.partnership-main  {
      grid-template-columns: 1fr !important;
  }
}
@media (max-width: 768px) {
  .post-hero { padding: 40px 20px 52px; }
  .post-body-wrap { padding: 0 20px 60px; }
  .post-featured-img-bar { padding: 0 20px; }
  .post-content-body { padding: 28px 24px; font-size: 16px; }
  .post-author-box { flex-direction: column; }
  .post-footer-row { flex-direction: column; align-items: flex-start; }
  .post-related { padding: 48px 20px 60px; }
  .post-related-head { flex-direction: column; align-items: flex-start; gap: 16px; }
}