/* ==========================================================================
   Disability Insured Today — BOLD AMERICAN INSURANCE
   Palette: navy suits, red ties, gold pens, crisp white shirts
   ========================================================================== */

:root {
  --navy:         #0B1F3A;
  --navy-mid:     #132D4F;
  --navy-deep:    #061224;
  --crimson:      #C22032;
  --crimson-dark: #9B1A28;
  --crimson-light:#E8364A;
  --gold:         #D4A843;
  --gold-light:   #E8C76A;
  --gold-pale:    #FDF6E3;
  --cream:        #FAF8F5;
  --warm-white:   #FFFDF9;
  --paper:        #F5F3EF;
  --ink:          #1A1D26;
  --ink-2:        #5A6270;
  --slate:        #334155;

  --border:       rgba(11, 31, 58, 0.08);
  --border-mid:   rgba(11, 31, 58, 0.18);
  --shadow-sm:    0 1px 3px rgba(11, 31, 58, 0.06), 0 1px 2px rgba(11, 31, 58, 0.04);
  --shadow-md:    0 4px 16px rgba(11, 31, 58, 0.07), 0 2px 6px rgba(11, 31, 58, 0.04);
  --shadow-lg:    0 8px 32px rgba(11, 31, 58, 0.10), 0 4px 12px rgba(11, 31, 58, 0.05);
  --shadow-lift:  0 16px 48px rgba(11, 31, 58, 0.14), 0 6px 16px rgba(11, 31, 58, 0.06);
  --shadow-bold:  0 20px 60px rgba(11, 31, 58, 0.20);

  --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-ui:      'DM Sans', system-ui, sans-serif;
  --font-reading:  'Crimson Pro', Georgia, serif;

  --radius-sm:   6px;
  --radius-md:   10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-pill:  99px;

  --ease:     cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0, 0, 0.2, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);

  --grain: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='200' height='200'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0.06 0 0 0 0 0.06 0 0 0 0 0.08 0 0 0 0.03 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
}

::selection { background: rgba(194, 32, 50, 0.15); }

body::after {
  content: '';
  position: fixed;
  inset: 0;
  background: var(--grain);
  pointer-events: none;
  z-index: 9999;
}

*, *::before, *::after { box-sizing: border-box; }
body {
  margin: 0;
  font-family: var(--font-ui);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 { color: inherit; }
img { max-width: 100%; display: block; }
a { color: var(--crimson); text-decoration: none; }
a:hover { color: var(--crimson-dark); }
button { cursor: pointer; }

:focus-visible {
  outline: 2px solid var(--crimson);
  outline-offset: 2px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--crimson);
  color: #fff;
  padding: 0.5rem 1rem;
  z-index: 10000;
  font-family: var(--font-ui);
  font-size: 14px;
}
.skip-link:focus { left: 0; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 680px; }
.container--mid { max-width: 900px; margin: 0 auto; padding: 0 24px; }

.section { padding: 100px 0; }

.section-header { margin-bottom: 56px; }
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 5vw, 3.2rem);
  font-weight: 800;
  line-height: 0.95;
  letter-spacing: -0.03em;
  margin: 0.5rem 0 0.75rem;
  color: var(--navy);
}
.section-header p {
  font-size: 17px;
  max-width: 540px;
  margin: 0;
  line-height: 1.6;
  color: var(--ink-2);
}

/* --- Scroll reveal --- */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* --- Micro-label --- */
.micro-label {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--crimson);
}
.micro-label__mark {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--crimson);
  flex-shrink: 0;
}
.micro-label--center { justify-content: center; }
.micro-label--on-dark { color: var(--gold-light); }
.micro-label--on-dark .micro-label__mark { background: var(--gold); }


/* ==========================================================================
   HEADER
   ========================================================================== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(11, 31, 58, 0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.site-header__inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.site-header__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 17px;
  color: #fff;
  text-decoration: none;
  letter-spacing: -0.01em;
}
.site-header__logo:hover { color: #fff; }
.site-header__logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--crimson);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(194, 32, 50, 0.25);
}
.site-header__logo-icon svg {
  width: 17px;
  height: 17px;
  fill: none;
  stroke: #fff;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.site-header__logo-icon svg path:first-child { fill: transparent; stroke: none; }
.site-header__logo-icon svg path:last-child { stroke: #fff; }

.site-nav__links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.site-nav__link {
  font-family: var(--font-ui);
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}
.site-nav__link:hover { color: #fff; }
.site-nav__toggle {
  display: none;
  background: none;
  border: none;
  padding: 4px;
}
.site-nav__toggle svg {
  width: 24px;
  height: 24px;
  stroke: #fff;
  stroke-width: 2;
  stroke-linecap: round;
}


/* ==========================================================================
   HERO — Light, bold, confident
   ========================================================================== */
.hero {
  position: relative;
  display: flex;
  align-items: center;
  background: var(--cream);
  color: var(--ink);
  padding: 140px 0 60px;
  overflow: hidden;
}

/* Bold diagonal slash decoration */
.hero::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -20%;
  width: 65%;
  height: 160%;
  background: var(--navy);
  transform: skewX(-8deg);
  z-index: 0;
}
.hero::after {
  content: '';
  position: absolute;
  top: -30%;
  right: -23%;
  width: 65%;
  height: 160%;
  background: var(--crimson);
  transform: skewX(-8deg);
  z-index: 0;
  opacity: 0.08;
  mix-blend-mode: multiply;
}

.hero__inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero__headline {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6.5vw, 5rem);
  font-weight: 800;
  line-height: 0.88;
  letter-spacing: -0.04em;
  color: var(--navy);
  margin: 0 0 28px;
}

.hero__headline-accent {
  color: var(--crimson);
  -webkit-text-fill-color: var(--crimson);
  background: none;
  animation: none;
}

.hero__sub {
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 500px;
  margin: 0 0 40px;
}

.hero__ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Pathway card — solid, warm, elevated */
.hero__pathway {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-lift);
  position: relative;
}
.hero__pathway::before { display: none; }

.hero__pathway .micro-label { color: var(--crimson); margin-bottom: 16px; }
.hero__pathway .micro-label__mark { background: var(--crimson); }

.hero__steps {
  display: flex;
  flex-direction: column;
  gap: 1px;
  background: var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.hero__step {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 16px;
  background: #fff;
  text-decoration: none;
  color: var(--ink);
  transition: all 0.3s var(--ease);
}
.hero__step:hover {
  background: var(--gold-pale);
  color: var(--ink);
  padding-left: 22px;
}
.hero__step:active { background: rgba(212, 168, 67, 0.15); }
.hero__step-num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 28px;
  color: var(--crimson);
  -webkit-text-fill-color: var(--crimson);
  background: none;
  line-height: 1;
  width: 28px;
  flex-shrink: 0;
  text-align: center;
  font-variant-numeric: lining-nums;
}
.hero__step-text { flex: 1; min-width: 0; }
.hero__step-title {
  display: block;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  margin-bottom: 2px;
}
.hero__step-hint {
  display: block;
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.45;
}
.hero__step-arrow {
  color: var(--crimson);
  opacity: 0;
  transform: translateX(-8px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease);
  flex-shrink: 0;
}
.hero__step:hover .hero__step-arrow { opacity: 1; transform: translateX(0); }


/* ==========================================================================
   STATS BAND — Dark navy, bold gold numbers
   ========================================================================== */
.stats-band {
  position: relative;
  background: var(--navy);
  padding: 0;
  overflow: hidden;
  margin-top: -40px;
}
/* Angled top edge */
.stats-band::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--cream);
  clip-path: polygon(0 0, 100% 0, 100% 30%, 0 100%);
  z-index: 1;
}
.stats-band__inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 110px 24px 80px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  position: relative;
  z-index: 2;
}
.stat-block {
  text-align: center;
  position: relative;
}
.stat-block__num {
  display: block;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(3.2rem, 7vw, 4.8rem);
  line-height: 1;
  margin-bottom: 14px;
  font-variant-numeric: lining-nums;
  color: var(--gold);
}
.stat-block__label {
  display: block;
  font-size: 15px;
  color: rgba(255,255,255,0.6);
  line-height: 1.5;
  max-width: 240px;
  margin: 0 auto;
}
/* Divider between stats */
.stat-block + .stat-block::before {
  content: '';
  position: absolute;
  left: -24px;
  top: 15%;
  bottom: 15%;
  width: 1px;
  background: rgba(212, 168, 67, 0.2);
}


/* ==========================================================================
   HOW IT WORKS — White background, strong cards
   ========================================================================== */
.how-section {
  background: var(--paper);
  padding: 100px 0;
  position: relative;
}
.how-section .section-header h2 { color: var(--navy); }
.how-section .section-header p { color: var(--ink-2); }

.how-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}

.how-step {
  position: relative;
  padding: 44px 28px 36px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.how-step:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-bold);
}

.how-step__num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 26px;
  margin-bottom: 24px;
  color: #fff;
}
.how-step:nth-child(1) .how-step__num { background: var(--navy); }
.how-step:nth-child(2) .how-step__num { background: var(--crimson); }
.how-step:nth-child(3) .how-step__num { background: var(--gold); color: var(--navy); }

.how-step__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 20px;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.2;
}
.how-step__desc {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.6;
}


/* ==========================================================================
   TOPICS — Warm background, bold colorful cards
   ========================================================================== */
.section--topics {
  background: var(--cream);
  position: relative;
}
.section--topics .section-header h2 { color: var(--navy); }
.section--topics .section-header p { color: var(--ink-2); }

.topics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.topic-card {
  display: flex;
  flex-direction: column;
  padding: 0;
  background: #fff;
  border-radius: var(--radius-xl);
  text-decoration: none;
  color: var(--ink);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
}
.topic-card:hover {
  transform: translateY(-8px) scale(1.01);
  box-shadow: var(--shadow-lift);
  color: var(--ink);
}
.topic-card:active { transform: translateY(-3px); }

.topic-card__top {
  padding: 32px 24px 28px;
  position: relative;
  overflow: clip;
  min-height: 130px;
}
.topic-card__top::after {
  content: '';
  position: absolute;
  bottom: -20px;
  right: -20px;
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  pointer-events: none;
}

.topic-card--amber .topic-card__top    { background: linear-gradient(135deg, #FEF3C7 0%, #FBBF24 100%); }
.topic-card--blue .topic-card__top     { background: linear-gradient(135deg, #DBEAFE 0%, #60A5FA 100%); }
.topic-card--indigo .topic-card__top   { background: linear-gradient(135deg, #E0E7FF 0%, #818CF8 100%); }
.topic-card--green .topic-card__top    { background: linear-gradient(135deg, #D1FAE5 0%, #34D399 100%); }
.topic-card--pink .topic-card__top     { background: linear-gradient(135deg, #FCE7F3 0%, #F472B6 100%); }
.topic-card--rose .topic-card__top     { background: linear-gradient(135deg, #FEE2E2 0%, #F87171 100%); }
.topic-card--teal .topic-card__top     { background: linear-gradient(135deg, #CCFBF1 0%, #2DD4BF 100%); }

.topic-card__icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.75);
  backdrop-filter: blur(8px);
  margin-bottom: 16px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.topic-card__icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.topic-card__title {
  display: block;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 18px;
  line-height: 1.2;
  color: var(--ink);
}

.topic-card__body {
  padding: 22px 24px 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.topic-card__desc {
  display: block;
  font-size: 14px;
  line-height: 1.6;
  color: var(--ink-2);
  flex: 1;
  margin-bottom: 16px;
}
.topic-card__count {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-ui);
  font-size: 12px;
  font-weight: 700;
  color: var(--crimson);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.topic-card__count::before {
  content: '';
  width: 18px;
  height: 2px;
  background: var(--crimson);
  border-radius: 1px;
}


/* ==========================================================================
   QUIZ — Deep navy with gold accents
   ========================================================================== */
.section--quiz {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 100px 0;
}
/* Angled top edge */
.section--quiz::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--cream);
  clip-path: polygon(0 0, 100% 0, 0 100%);
  z-index: 1;
}

.quiz-wrapper {
  position: relative;
  z-index: 2;
}

.quiz__heading {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 800;
  line-height: 0.95;
  letter-spacing: -0.025em;
  text-align: center;
  margin: 0.5rem 0 0;
  color: #fff;
}
.quiz__intro {
  text-align: center;
  font-size: 16px;
  margin: 14px 0 44px;
  color: rgba(255,255,255,0.5);
}

.quiz__card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-bold);
  position: relative;
  max-width: 580px;
  margin: 0 auto;
}
.quiz__card::before { display: none; }

.quiz__progress {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin-bottom: 36px;
}
.quiz__dot {
  width: 48px;
  height: 4px;
  border-radius: 2px;
  background: rgba(255,255,255,0.1);
  transition: background 0.3s var(--ease);
}
.quiz__dot--active {
  background: var(--gold);
}
.quiz__dot--done { background: var(--gold-light); }

.quiz__question {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  text-align: center;
  margin: 0 0 28px;
  line-height: 1.25;
  color: #fff;
}
.quiz__options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.quiz__btn {
  display: block;
  width: 100%;
  padding: 18px 20px;
  font-family: var(--font-ui);
  font-size: 15px;
  font-weight: 500;
  text-align: center;
  color: #fff;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: all 0.25s var(--ease);
}
.quiz__btn:hover {
  border-color: var(--gold);
  background: rgba(212, 168, 67, 0.1);
  transform: translateY(-2px);
  box-shadow: 0 4px 20px rgba(212, 168, 67, 0.15);
}
.quiz__btn:active {
  transform: scale(0.98);
  transition-duration: 0.08s;
}

.quiz__result-text {
  font-family: var(--font-reading);
  font-size: 17px;
  font-weight: 500;
  line-height: 1.7;
  text-align: center;
  color: rgba(255,255,255,0.8);
  margin: 0 0 28px;
}
.quiz__result-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}


/* ==========================================================================
   CTA BAND — Bold crimson
   ========================================================================== */
.cta-band {
  position: relative;
  padding: 120px 0;
  background: var(--crimson);
  overflow: hidden;
  text-align: center;
}
.cta-band::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--navy);
  clip-path: polygon(0 0, 100% 0, 100% 100%);
  z-index: 1;
}
.cta-band::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,0.08), transparent 55%);
  pointer-events: none;
}
.cta-band__inner {
  position: relative;
  z-index: 2;
  max-width: 700px;
  margin: 0 auto;
  padding: 0 24px;
}
.cta-band__heading {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 800;
  line-height: 0.9;
  letter-spacing: -0.03em;
  color: #fff;
  margin: 0 0 20px;
}
.cta-band__sub {
  font-size: 18px;
  color: rgba(255,255,255,0.8);
  margin: 0 0 40px;
  line-height: 1.6;
}


/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-ui);
  font-size: 15px;
  font-weight: 700;
  padding: 16px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: all 0.3s var(--ease);
  text-decoration: none;
  position: relative;
}
.btn:active { transform: scale(0.97); }

.btn--primary {
  background: var(--crimson);
  color: #fff;
}
.btn--primary:hover {
  background: var(--crimson-dark);
  transform: translateY(-2px);
  color: #fff;
}

.btn--white {
  background: #fff;
  color: var(--navy);
  font-weight: 800;
}
.btn--white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
  color: var(--navy);
}

.btn--ghost {
  background: var(--navy);
  color: #fff;
}
.btn--ghost:hover {
  background: var(--navy-mid);
  color: #fff;
  transform: translateY(-2px);
}

.btn--sage {
  background: var(--crimson);
  color: #fff;
}
.btn--sage:hover {
  background: var(--crimson-dark);
  transform: translateY(-2px);
  color: #fff;
}

.btn--outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.3);
  color: #fff;
}
.btn--outline:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.1);
  color: #fff;
  transform: translateY(-3px);
}


/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.8);
  padding: 80px 0 0;
}
.site-footer__inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.site-footer__brand {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
}
.site-footer__brand strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 17px;
  color: #fff;
  margin-bottom: 12px;
}
.site-footer__col-title {
  font-family: var(--font-ui);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold);
  margin-bottom: 16px;
}
.site-footer__links {
  list-style: none;
  margin: 0;
  padding: 0;
}
.site-footer__links li { margin-bottom: 10px; }
.site-footer__links a {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}
.site-footer__links a:not(.btn):hover { color: #fff; }

.site-footer__bottom {
  padding: 28px 0;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
}


/* ==========================================================================
   ARTICLE PAGES
   ========================================================================== */
.article-header { padding: 48px 0 32px; }
.article-header h1 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4.5vw, 2.8rem);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.025em;
  color: var(--navy);
  margin: 0.5rem 0 0;
}
.article-meta { display: flex; gap: 16px; margin-top: 12px; font-size: 13px; color: var(--ink-2); }
.article-body { max-width: 680px; margin: 0 auto; padding: 0 24px 80px; }
.article-body h2 { font-family: var(--font-display); font-size: 22px; font-weight: 700; line-height: 1.15; letter-spacing: -0.01em; margin: 48px 0 16px; color: var(--navy); }
.article-body h3 { font-family: var(--font-display); font-size: 17px; font-weight: 700; line-height: 1.25; margin: 32px 0 12px; color: var(--navy); }
.article-body p { font-family: var(--font-reading); font-size: 16px; font-weight: 500; line-height: 1.72; margin: 0 0 20px; color: var(--ink); }
.article-body ul, .article-body ol { font-family: var(--font-reading); font-size: 16px; font-weight: 500; line-height: 1.72; margin: 0 0 20px; padding-left: 24px; color: var(--ink); }
.article-body li { margin-bottom: 8px; }
.article-body a { color: var(--crimson); font-weight: 600; text-decoration: underline; text-decoration-color: rgba(194, 32, 50, 0.3); text-underline-offset: 3px; transition: text-decoration-color 0.2s var(--ease); }
.article-body a:hover { text-decoration-color: var(--crimson); }
.article-body strong { color: var(--ink); font-weight: 700; }
.article-body blockquote { margin: 32px 0; padding: 20px 24px; background: var(--gold-pale); border-radius: var(--radius-md); font-family: var(--font-reading); font-style: italic; color: var(--ink); }
.callout { padding: 24px; background: var(--gold-pale); border-radius: var(--radius-md); margin: 32px 0; }
.callout__title { font-family: var(--font-display); font-weight: 700; font-size: 15px; color: var(--navy); margin-bottom: 8px; }
.callout p { font-family: var(--font-reading); font-size: 15px; margin: 0; color: var(--ink); }
.comparison-table { width: 100%; border-collapse: collapse; margin: 32px 0; font-size: 14px; }
.comparison-table th { font-family: var(--font-ui); font-weight: 600; font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em; padding: 12px 16px; text-align: left; background: var(--paper); color: var(--ink-2); border-bottom: 1px solid var(--border-mid); }
.comparison-table td { padding: 12px 16px; border-bottom: 1px solid var(--border); color: var(--ink); vertical-align: top; }
.comparison-table tr:last-child td { border-bottom: none; }
.toc { background: var(--paper); border-radius: var(--radius-md); padding: 24px; margin: 0 0 40px; }
.toc__title { font-family: var(--font-ui); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.14em; color: var(--ink-2); margin-bottom: 12px; }
.toc ol { margin: 0; padding-left: 20px; list-style: decimal; }
.toc li { font-size: 14px; margin-bottom: 6px; color: var(--ink-2); }
.toc a { color: var(--crimson); text-decoration: none; font-weight: 500; }
.toc a:hover { text-decoration: underline; }


/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1023px) {
  .hero__inner { grid-template-columns: 1fr; gap: 48px; }
  .hero { min-height: auto; padding: 120px 0 48px; }
  .hero::before { width: 120%; top: 60%; height: 50%; transform: skewY(-4deg); right: -10%; }
  .hero::after { width: 120%; top: 60%; height: 50%; transform: skewY(-4deg); right: -10%; }
  .topics { grid-template-columns: repeat(2, 1fr); }
  .how-steps { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .stats-band__inner { grid-template-columns: repeat(3, 1fr); gap: 24px; }
  .stat-block + .stat-block::before { left: -12px; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .site-footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 767px) {
  .section { padding: 64px 0; }
  .site-nav__links { display: none; }
  .site-nav__toggle { display: block; }
  .site-nav--open .site-nav__links {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: rgba(11, 31, 58, 0.97);
    backdrop-filter: blur(12px);
    padding: 16px 24px;
    gap: 12px;
    box-shadow: var(--shadow-lg);
  }
  .site-nav--open .site-nav__link { font-size: 16px; padding: 10px 0; color: #fff; }

  .hero { padding: 100px 0 40px; }
  .hero::before { width: 130%; top: auto; bottom: -5%; height: 45%; transform: skewY(-4deg); right: -15%; left: auto; }
  .hero::after { width: 130%; top: auto; bottom: -5%; height: 45%; transform: skewY(-4deg); right: -15%; left: auto; }
  .hero__headline { font-size: clamp(2.2rem, 9vw, 3rem); line-height: 0.92; }
  .hero__sub { font-size: 16px; }
  .hero__ctas { flex-direction: column; align-items: flex-start; }
  .hero__ctas .btn { width: auto; }
  .hero__pathway { padding: 20px; }
  .hero__step { padding: 14px; }
  .hero__step-arrow { display: none; }

  .stats-band::before { height: 50px; }
  .stats-band__inner { grid-template-columns: 1fr; gap: 32px; padding: 80px 24px 60px; }
  .stat-block + .stat-block::before {
    left: 15%;
    right: 15%;
    top: -16px;
    bottom: auto;
    width: auto;
    height: 1px;
  }

  .topics { grid-template-columns: 1fr; gap: 16px; }

  .how-steps { grid-template-columns: 1fr; gap: 16px; }
  .how-section { padding: 64px 0; }

  .section--quiz::before { height: 50px; }
  .quiz__card { padding: 28px 20px; }
  .section--quiz { padding: 80px 0 64px; }

  .cta-band { padding: 100px 0 72px; }
  .cta-band::before { height: 50px; }

  .site-footer__grid { grid-template-columns: 1fr; gap: 28px; }
  .site-footer { padding: 48px 0 0; }

  .quiz__result-actions { flex-direction: column; align-items: center; }
  .quiz__result-actions .btn { width: auto; }
  .quiz__btn { width: 100%; }

  .article-body { padding: 0 20px 60px; }
  .comparison-table { display: block; overflow-x: auto; }
}

@media (max-width: 480px) {
  .hero__headline { font-size: 2rem; }
  .section-header h2 { font-size: 1.7rem; }
  .container { padding: 0 16px; }
  .hero__inner { padding: 0 16px; }
  .site-header__inner { padding: 0 16px; }
  .site-footer__inner { padding: 0 16px; }
  .stat-block__num { font-size: 2.8rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }
}