/* ============================================================
   FinSage — Personal Finance & Insurance Guide
   Shared stylesheet: tokens, layout, components
   ============================================================ */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
img, svg { max-width: 100%; display: block; }
button, input, select { font: inherit; color: inherit; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }

/* ---------- Design tokens ---------- */
:root {
  color-scheme: light;
  --page:            #f9f9f7;
  --surface:         #fcfcfb;
  --surface-2:       #f0efec;
  --ink:             #0b0b0b;
  --ink-2:           #52514e;
  --muted:           #898781;
  --hairline:        #e1e0d9;
  --border:          rgba(11,11,11,0.10);
  --brand:           #2a78d6;
  --brand-strong:    #1c5cab;
  --brand-soft:      #cde2fb;
  --brand-tint:      rgba(42,120,214,0.08);
  --accent:          #1baf7a;
  --violet:          #4a3aa7;
  --good:            #006300;
  --bad:             #d03b3b;
  --warn:            #eda100;
  --series-1:        #2a78d6;
  --series-2:        #008300;
  --series-3:        #e87ba4;
  --series-4:        #eda100;
  --grid:            #e1e0d9;
  --axis:            #c3c2b7;
  --shadow-sm:       0 1px 2px rgba(11,11,11,.05), 0 2px 8px rgba(11,11,11,.05);
  --shadow-md:       0 4px 12px rgba(11,11,11,.07), 0 12px 32px rgba(11,11,11,.08);
  --shadow-lg:       0 8px 24px rgba(11,11,11,.10), 0 24px 64px rgba(11,11,11,.12);
  --radius:          14px;
  --radius-sm:       8px;
  --nav-h:           64px;
  --hero-grad:       linear-gradient(135deg, #10315c 0%, #1c5cab 42%, #4a3aa7 100%);
  --font: system-ui, -apple-system, "Segoe UI", sans-serif;
}
:root[data-theme="dark"] {
  color-scheme: dark;
  --page:            #0d0d0d;
  --surface:         #1a1a19;
  --surface-2:       #232322;
  --ink:             #ffffff;
  --ink-2:           #c3c2b7;
  --muted:           #898781;
  --hairline:        #2c2c2a;
  --border:          rgba(255,255,255,0.10);
  --brand:           #3987e5;
  --brand-strong:    #6da7ec;
  --brand-soft:      #184f95;
  --brand-tint:      rgba(57,135,229,0.14);
  --accent:          #199e70;
  --violet:          #9085e9;
  --good:            #0ca30c;
  --bad:             #e66767;
  --warn:            #c98500;
  --series-1:        #3987e5;
  --series-2:        #008300;
  --series-3:        #d55181;
  --series-4:        #c98500;
  --grid:            #2c2c2a;
  --axis:            #383835;
  --shadow-sm:       0 1px 2px rgba(0,0,0,.4), 0 2px 8px rgba(0,0,0,.35);
  --shadow-md:       0 4px 12px rgba(0,0,0,.45), 0 12px 32px rgba(0,0,0,.4);
  --shadow-lg:       0 8px 24px rgba(0,0,0,.5), 0 24px 64px rgba(0,0,0,.45);
  --hero-grad:       linear-gradient(135deg, #0a1e3a 0%, #143f75 42%, #2d2372 100%);
}

body {
  font-family: var(--font);
  background: var(--page);
  color: var(--ink);
  line-height: 1.6;
  font-size: 16px;
  min-height: 100vh;
}

.container { width: min(1160px, 92%); margin-inline: auto; }

/* ---------- Header / Navigation ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: color-mix(in srgb, var(--surface) 86%, transparent);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--hairline);
}
.nav {
  height: var(--nav-h);
  display: flex; align-items: center; gap: 28px;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; font-size: 1.25rem; letter-spacing: -.02em;
}
.logo svg { width: 32px; height: 32px; }
.logo .logo-fin { color: var(--brand); }

.nav-links { display: flex; align-items: center; gap: 4px; flex: 1; }
.nav-links > li { position: relative; }
.nav-links a.nav-link, .nav-links button.nav-link {
  display: flex; align-items: center; gap: 5px;
  padding: 9px 14px; border-radius: 10px;
  font-weight: 600; font-size: .95rem; color: var(--ink-2);
  background: none; border: 0; cursor: pointer;
  transition: background .18s, color .18s;
}
.nav-links a.nav-link:hover, .nav-links button.nav-link:hover,
.nav-links > li.open > .nav-link { background: var(--brand-tint); color: var(--brand); }
.nav-links a.nav-link[aria-current="page"] { color: var(--brand); }
.caret { transition: transform .2s; width: 12px; height: 12px; }
li.open .caret { transform: rotate(180deg); }

/* Dropdown panel */
.dropdown {
  position: absolute; top: calc(100% + 10px); left: 0;
  min-width: 280px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .2s, transform .2s, visibility .2s;
}
li.open > .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
@media (hover: hover) and (min-width: 721px) {
  .has-dropdown:hover > .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
  .has-dropdown:hover > .nav-link { background: var(--brand-tint); color: var(--brand); }
  .has-dropdown:hover .caret { transform: rotate(180deg); }
}
.dropdown a {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 10px 12px; border-radius: 10px;
  transition: background .15s;
}
.dropdown a:hover { background: var(--brand-tint); }
.dropdown .dd-ic {
  flex: 0 0 36px; height: 36px; border-radius: 9px;
  display: grid; place-items: center;
  background: var(--brand-tint); color: var(--brand);
}
.dropdown .dd-ic svg { width: 19px; height: 19px; }
.dropdown b { display: block; font-size: .92rem; }
.dropdown span { display: block; font-size: .8rem; color: var(--muted); line-height: 1.4; }

.nav-actions { display: flex; align-items: center; gap: 10px; }
.theme-toggle {
  width: 40px; height: 40px; border-radius: 50%;
  border: 1px solid var(--hairline); background: var(--surface);
  display: grid; place-items: center; cursor: pointer;
  transition: background .18s, transform .18s;
}
.theme-toggle:hover { background: var(--surface-2); transform: rotate(15deg); }
.theme-toggle svg { width: 18px; height: 18px; color: var(--ink-2); }
:root[data-theme="dark"] .icon-moon { display: none; }
:root:not([data-theme="dark"]) .icon-sun { display: none; }

.hamburger {
  display: none; width: 42px; height: 42px;
  border: 1px solid var(--hairline); border-radius: 10px;
  background: var(--surface); cursor: pointer; place-items: center;
}
.hamburger svg { width: 20px; height: 20px; }

/* ---------- Live ticker strip ---------- */
.ticker-wrap {
  background: var(--ink); color: #fff;
  overflow: hidden; position: relative;
  border-bottom: 1px solid var(--hairline);
}
:root[data-theme="dark"] .ticker-wrap { background: #060606; }
.ticker {
  display: flex; gap: 40px; width: max-content;
  padding: 8px 0;
  animation: tickerScroll 45s linear infinite;
}
.ticker:hover { animation-play-state: paused; }
@keyframes tickerScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.tick {
  display: flex; align-items: baseline; gap: 8px;
  font-size: .85rem; white-space: nowrap; font-variant-numeric: tabular-nums;
}
.tick .t-sym { font-weight: 700; color: #9ec5f4; }
.tick .t-up { color: #7ee27e; }
.tick .t-down { color: #ff9d9d; }
@media (prefers-reduced-motion: reduce) {
  .ticker { animation: none; flex-wrap: wrap; width: 100%; padding-inline: 4%; }
}

/* ---------- Hero ---------- */
.hero {
  background: var(--hero-grad);
  color: #fff; position: relative; overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 600px 400px at 85% 20%, rgba(157,197,244,.18), transparent 60%),
    radial-gradient(ellipse 500px 350px at 10% 90%, rgba(144,133,233,.15), transparent 60%);
}
.hero-inner {
  position: relative;
  display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px;
  align-items: center; padding: 84px 0 96px;
}
.hero h1 {
  font-size: clamp(2.1rem, 4.4vw, 3.4rem);
  line-height: 1.12; letter-spacing: -.03em; font-weight: 800;
}
.hero h1 .grad-text {
  background: linear-gradient(90deg, #9ec5f4, #7ee2b8);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero p.lead {
  margin-top: 18px; font-size: 1.13rem; color: rgba(255,255,255,.82);
  max-width: 54ch;
}
.hero-cta { margin-top: 32px; display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  margin-top: 44px; display: flex; gap: 40px; flex-wrap: wrap;
}
.hero-stat b { display: block; font-size: 1.6rem; letter-spacing: -.02em; }
.hero-stat span { font-size: .85rem; color: rgba(255,255,255,.65); }
.hero-art { position: relative; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 26px; border-radius: 12px;
  font-weight: 700; font-size: .98rem;
  border: 0; cursor: pointer;
  transition: transform .18s, box-shadow .18s, background .18s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand); color: #fff; box-shadow: 0 6px 18px rgba(42,120,214,.35); }
.btn-primary:hover { background: var(--brand-strong); transform: translateY(-2px); }
.btn-light { background: rgba(255,255,255,.14); color: #fff; border: 1px solid rgba(255,255,255,.28); backdrop-filter: blur(4px); }
.btn-light:hover { background: rgba(255,255,255,.24); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--brand); border: 1.5px solid var(--brand); }
.btn-ghost:hover { background: var(--brand-tint); }
.btn svg { width: 17px; height: 17px; }

/* ---------- Ad slots ---------- */
.ad-slot { width: min(1160px, 92%); margin: 0 auto; padding-block: 36px; text-align: center; }
.ad-slot-label {
  display: block; font-size: .7rem; text-transform: uppercase; letter-spacing: .08em;
  color: var(--muted); margin-bottom: 8px;
}
.ad-slot-box {
  min-height: 250px; background: var(--surface-2);
  border: 1px dashed var(--border); border-radius: var(--radius-sm);
  display: grid; place-items: center; overflow: hidden; position: relative;
}
.ad-slot-box .ad-slot-placeholder { grid-area: 1 / 1; color: var(--muted); font-size: .85rem; }
.ad-slot-box ins.adsbygoogle { grid-area: 1 / 1; width: 100%; height: 100%; }
.ad-slot-leaderboard .ad-slot-box { min-height: 120px; }
@media (max-width: 720px) {
  .ad-slot-box { min-height: 200px; }
  .ad-slot-leaderboard .ad-slot-box { min-height: 100px; }
}

/* ---------- Cookie consent banner ---------- */
.consent-banner {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 200;
  background: var(--surface); border-top: 1px solid var(--hairline);
  box-shadow: var(--shadow-lg);
  transform: translateY(100%); transition: transform .32s ease;
}
.consent-banner.in { transform: translateY(0); }
.consent-inner {
  width: min(1160px, 92%); margin-inline: auto;
  padding: 18px 0;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.consent-inner p { font-size: .88rem; color: var(--ink-2); max-width: 62ch; }
.consent-inner a { color: var(--brand); font-weight: 600; }
.consent-actions { display: flex; gap: 10px; flex: 0 0 auto; }
.consent-actions .btn { padding: 10px 20px; font-size: .88rem; }
@media (max-width: 560px) {
  .consent-inner { flex-direction: column; align-items: stretch; }
  .consent-actions { justify-content: flex-end; }
}

/* ---------- Sections ---------- */
.section { padding: 76px 0; }
.section.alt { background: var(--surface); border-block: 1px solid var(--hairline); }
.section-head { max-width: 640px; margin: 0 auto 44px; text-align: center; }
.kicker {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em;
  color: var(--brand);
  background: var(--brand-tint);
  padding: 6px 14px; border-radius: 999px; margin-bottom: 14px;
}
.section-head h2, .section-head-left h2 {
  font-size: clamp(1.6rem, 3vw, 2.3rem); letter-spacing: -.025em; line-height: 1.2;
}
.section-head p { margin-top: 12px; color: var(--ink-2); }
.section-head-left { margin-bottom: 36px; }
.section-head-left p { margin-top: 10px; color: var(--ink-2); max-width: 60ch; }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .22s, box-shadow .22s, border-color .22s;
}
a.card:hover, .card.hoverable:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: color-mix(in srgb, var(--brand) 35%, var(--border));
}
.card h3 { font-size: 1.12rem; letter-spacing: -.01em; margin-bottom: 8px; }
.card p { color: var(--ink-2); font-size: .93rem; }
.card .card-ic {
  width: 48px; height: 48px; border-radius: 12px;
  display: grid; place-items: center; margin-bottom: 18px;
  background: var(--brand-tint); color: var(--brand);
}
.card .card-ic.ic-green { background: rgba(27,175,122,.12); color: var(--accent); }
.card .card-ic.ic-violet { background: rgba(74,58,167,.10); color: var(--violet); }
.card .card-ic.ic-warn { background: rgba(237,161,0,.12); color: var(--warn); }
.card .card-ic svg { width: 23px; height: 23px; }
.card-link { margin-top: 16px; display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: .9rem; color: var(--brand); }
.card-link svg { width: 15px; height: 15px; transition: transform .18s; }
a.card:hover .card-link svg, .card:hover .card-link svg { transform: translateX(4px); }

/* Feature banner card with image header */
.img-card { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.img-card .img-head { height: 160px; position: relative; overflow: hidden; }
.img-card .img-head svg.cover { width: 100%; height: 100%; }
.img-card .img-body { padding: 22px 24px 26px; flex: 1; display: flex; flex-direction: column; }
.img-card .img-body p { flex: 1; }
.chip {
  position: absolute; top: 14px; left: 14px;
  background: rgba(255,255,255,.92); color: #10315c;
  font-size: .72rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase;
  padding: 5px 11px; border-radius: 999px;
}

/* ---------- Panels & data widgets ---------- */
.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 24px;
}
.panel-head {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; margin-bottom: 18px; flex-wrap: wrap;
}
.panel-head h3 { font-size: 1.06rem; }
.live-dot {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .78rem; font-weight: 700; color: var(--good);
}
.live-dot::before {
  content: ""; width: 8px; height: 8px; border-radius: 50%;
  background: var(--good);
  animation: pulse 1.8s ease-out infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(12,163,12,.45); }
  70% { box-shadow: 0 0 0 8px rgba(12,163,12,0); }
  100% { box-shadow: 0 0 0 0 rgba(12,163,12,0); }
}
.updated-at { font-size: .78rem; color: var(--muted); }

/* ---------- Tables ---------- */
.table-scroll { overflow-x: auto; border-radius: var(--radius-sm); }
table.data {
  width: 100%; border-collapse: collapse; font-size: .92rem;
  min-width: 560px;
}
table.data th {
  text-align: left; font-size: .76rem; text-transform: uppercase; letter-spacing: .07em;
  color: var(--muted); font-weight: 700;
  padding: 10px 14px; border-bottom: 1px solid var(--hairline);
  position: sticky; top: 0; background: var(--surface); z-index: 1;
}
table.data td {
  padding: 13px 14px; border-bottom: 1px solid var(--hairline);
  font-variant-numeric: tabular-nums;
}
table.data tbody tr { transition: background .15s; }
table.data tbody tr:hover { background: var(--brand-tint); }
table.data td.num, table.data th.num { text-align: right; }
.delta-up { color: var(--good); font-weight: 700; }
.delta-down { color: var(--bad); font-weight: 700; }
.asset-cell { display: flex; align-items: center; gap: 11px; font-weight: 700; }
.asset-badge {
  width: 34px; height: 34px; border-radius: 50%; flex: 0 0 34px;
  display: grid; place-items: center; font-size: .72rem; font-weight: 800; color: #fff;
}
.asset-cell small { display: block; font-weight: 500; color: var(--muted); font-size: .78rem; }

/* Comparison table (insurance) */
table.compare { min-width: 700px; }
table.compare td:first-child { font-weight: 600; }
.yes { color: var(--good); font-weight: 700; }
.no { color: var(--muted); }

/* ---------- Forms / calculators ---------- */
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; align-items: start; }
.field { margin-bottom: 20px; }
.field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-weight: 600; font-size: .9rem; margin-bottom: 8px;
}
.field label output { color: var(--brand); font-weight: 800; font-variant-numeric: tabular-nums; }
.field input[type="number"], .field input[type="text"], .field select {
  width: 100%; padding: 12px 14px;
  border: 1.5px solid var(--hairline); border-radius: 10px;
  background: var(--page); color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--brand);
  box-shadow: 0 0 0 3px var(--brand-tint);
}
input[type="range"] {
  width: 100%; accent-color: var(--brand); height: 32px; cursor: pointer;
}
.result-tile {
  background: var(--brand-tint);
  border: 1px solid color-mix(in srgb, var(--brand) 25%, transparent);
  border-radius: var(--radius);
  padding: 20px 22px; text-align: center;
}
.result-tile .rt-label { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-2); }
.result-tile .rt-value { font-size: 1.9rem; font-weight: 800; letter-spacing: -.02em; color: var(--brand); margin-top: 4px; }
.result-tile .rt-sub { font-size: .82rem; color: var(--muted); margin-top: 4px; }
.result-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 14px; margin-bottom: 20px; }

/* Tabs */
.tabs { display: flex; gap: 6px; background: var(--surface-2); padding: 5px; border-radius: 12px; margin-bottom: 26px; flex-wrap: wrap; }
.tab-btn {
  flex: 1; min-width: 120px; padding: 10px 16px; border: 0; border-radius: 9px;
  background: transparent; font-weight: 700; font-size: .9rem; color: var(--ink-2);
  cursor: pointer; transition: background .18s, color .18s, box-shadow .18s;
}
.tab-btn.active { background: var(--surface); color: var(--brand); box-shadow: var(--shadow-sm); }
.tab-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; }
.tab-btn svg { width: 17px; height: 17px; flex: 0 0 17px; }
.tab-pane { display: none; }
.tab-pane.active { display: block; animation: fadeUp .3s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* ---------- Charts ---------- */
.chart-box { position: relative; }
.chart-box svg { width: 100%; height: auto; display: block; }
.chart-legend { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 12px; font-size: .84rem; color: var(--ink-2); }
.chart-legend .lg { display: inline-flex; align-items: center; gap: 7px; }
.chart-legend .sw { width: 12px; height: 12px; border-radius: 3px; }
.viz-tooltip {
  position: absolute; pointer-events: none; z-index: 50;
  background: var(--surface); border: 1px solid var(--border); border-radius: 9px;
  box-shadow: var(--shadow-md);
  padding: 8px 12px; font-size: .8rem; white-space: nowrap;
  opacity: 0; transition: opacity .12s;
  font-variant-numeric: tabular-nums;
}
.viz-tooltip b { display: block; margin-bottom: 2px; }
.viz-tooltip .tt-row { display: flex; align-items: center; gap: 6px; color: var(--ink-2); }
.viz-tooltip .sw { width: 9px; height: 9px; border-radius: 2px; display: inline-block; }

/* ---------- Accordion (FAQ) ---------- */
.accordion { border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); overflow: hidden; }
.acc-item + .acc-item { border-top: 1px solid var(--hairline); }
.acc-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 18px 22px; background: none; border: 0; cursor: pointer;
  font-weight: 700; font-size: .98rem; text-align: left;
  transition: background .15s;
}
.acc-q:hover { background: var(--brand-tint); }
.acc-q svg { width: 16px; height: 16px; flex: 0 0 16px; transition: transform .25s; color: var(--brand); }
.acc-item.open .acc-q svg { transform: rotate(45deg); }
.acc-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc-a-inner { padding: 0 22px 20px; color: var(--ink-2); font-size: .93rem; }

/* ---------- Steps / checklist ---------- */
.steps { counter-reset: step; display: grid; gap: 0; }
.step { display: flex; gap: 20px; padding: 20px 0; border-bottom: 1px dashed var(--hairline); }
.step:last-child { border-bottom: 0; }
.step::before {
  counter-increment: step; content: counter(step);
  flex: 0 0 40px; height: 40px; border-radius: 50%;
  background: var(--brand-tint); color: var(--brand);
  display: grid; place-items: center; font-weight: 800;
}
.step h4 { margin-bottom: 4px; }
.step p { color: var(--ink-2); font-size: .92rem; }

/* ---------- Callouts ---------- */
.callout {
  display: flex; gap: 14px; padding: 16px 18px;
  background: var(--brand-tint); border-left: 4px solid var(--brand);
  border-radius: 10px; font-size: .92rem; color: var(--ink-2);
}
.callout.warn { background: rgba(237,161,0,.09); border-left-color: var(--warn); }
.callout svg { width: 20px; height: 20px; flex: 0 0 20px; color: var(--brand); margin-top: 2px; }
.callout.warn svg { color: var(--warn); }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--hero-grad); color: #fff;
  border-radius: 22px; padding: 56px 48px;
  display: grid; grid-template-columns: 1.2fr auto; gap: 32px; align-items: center;
  position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(ellipse 500px 300px at 90% 10%, rgba(157,197,244,.2), transparent 60%);
}
.cta-band h2 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); letter-spacing: -.02em; position: relative; }
.cta-band p { color: rgba(255,255,255,.78); margin-top: 10px; position: relative; }
.cta-band .btn { position: relative; }

/* ---------- Article / prose ---------- */
.prose { max-width: 74ch; }
.prose h3 { font-size: 1.25rem; margin: 28px 0 10px; letter-spacing: -.015em; }
.prose p { color: var(--ink-2); margin-bottom: 14px; }
.prose ul { margin: 0 0 14px 4px; }
.prose ul li { padding-left: 26px; position: relative; margin-bottom: 8px; color: var(--ink-2); }
.prose ul li::before {
  content: ""; position: absolute; left: 0; top: 8px;
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--brand-tint);
  box-shadow: inset 0 0 0 4px var(--brand-tint), inset 0 0 0 14px transparent;
}
.prose ul li::after {
  content: ""; position: absolute; left: 4px; top: 12px;
  width: 6px; height: 6px; border-radius: 50%; background: var(--brand);
}

/* ---------- Footer ---------- */
.site-footer {
  margin-top: 40px; background: var(--surface);
  border-top: 1px solid var(--hairline);
  padding: 56px 0 28px; font-size: .9rem;
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; margin-bottom: 40px; }
.footer-grid h4 { font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 14px; }
.footer-grid ul li { margin-bottom: 9px; }
.footer-grid a { color: var(--ink-2); transition: color .15s; }
.footer-grid a:hover { color: var(--brand); }
.footer-about p { color: var(--ink-2); margin-top: 12px; max-width: 34ch; }
.footer-bottom {
  border-top: 1px solid var(--hairline); padding-top: 22px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
  color: var(--muted); font-size: .82rem;
}
.footer-bottom a { color: var(--muted); text-decoration: underline; text-underline-offset: 2px; }
.footer-bottom a:hover { color: var(--brand); }
.footer-legal { display: flex; gap: 18px; }
.footer-legal a { text-decoration: none; font-weight: 600; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: var(--hero-grad); color: #fff;
  padding: 56px 0 64px; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(ellipse 600px 350px at 88% 30%, rgba(157,197,244,.18), transparent 60%);
}
.page-hero .container { position: relative; }
.page-hero h1 { font-size: clamp(1.8rem, 3.6vw, 2.7rem); letter-spacing: -.025em; }
.page-hero p { margin-top: 12px; color: rgba(255,255,255,.8); max-width: 62ch; }
.breadcrumb { font-size: .82rem; color: rgba(255,255,255,.65); margin-bottom: 16px; display: flex; gap: 8px; }
.breadcrumb a:hover { color: #fff; }

/* ---------- Utility ---------- */
.mt-1 { margin-top: 10px; } .mt-2 { margin-top: 20px; } .mt-3 { margin-top: 32px; } .mt-4 { margin-top: 48px; }
.mb-2 { margin-bottom: 20px; } .mb-3 { margin-bottom: 32px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.small { font-size: .84rem; }
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; padding: 56px 0 64px; }
  .hero-art { display: none; }
  .calc-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-band { grid-template-columns: 1fr; padding: 40px 30px; }
}
@media (max-width: 720px) {
  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; }
  .hamburger { display: grid; }
  .nav-links {
    position: fixed; inset: var(--nav-h) 0 auto 0;
    background: var(--surface); border-bottom: 1px solid var(--hairline);
    flex-direction: column; align-items: stretch; gap: 0;
    padding: 12px 5%; box-shadow: var(--shadow-lg);
    display: none; max-height: calc(100vh - var(--nav-h)); overflow-y: auto;
  }
  .nav-links.mobile-open { display: flex; }
  .nav-links a.nav-link, .nav-links button.nav-link { width: 100%; justify-content: space-between; padding: 14px 10px; }
  .dropdown {
    position: static; min-width: 0; box-shadow: none; border: 0;
    padding-left: 14px; display: none; opacity: 1; visibility: visible; transform: none;
  }
  li.open > .dropdown { display: block; }
}