/* ==========================================================================
   Commercial & Business Insurance USA — Production Design System & CSS
   Engineered for Google AdSense Core Web Vitals (CLS=0, LCP<2.5s, FID/INP<200ms)
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Custom Properties
   -------------------------------------------------------------------------- */
:root {
  --navy-950: #070e17;
  --navy-900: #0b192c;
  --navy-800: #132742;
  --navy-700: #1e3e62;
  --navy-600: #2b5584;
  
  --blue-600: #2563eb;
  --blue-500: #3b82f6;
  --blue-100: #dbeafe;
  --blue-50:  #eff6ff;

  --accent-600: #d97706;
  --accent-500: #f59e0b;
  --accent-400: #fbbf24;
  --accent-hover: #b45309;
  
  --coral-600: #dc2626;
  --coral-500: #ea580c;
  --emerald-600: #059669;
  --emerald-500: #10b981;
  --emerald-50:  #ecfdf5;

  --slate-900: #0f172a;
  --slate-800: #1e293b;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-400: #94a3b8;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50:  #f8fafc;
  --white:     #ffffff;

  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --font-heading: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.04);

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-full: 9999px;

  --container-max: 1200px;
  --header-height: 72px;
}

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

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate-900);
  background-color: var(--slate-50);
  scroll-behavior: smooth;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  overflow-x: hidden;
}

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

a {
  color: var(--blue-600);
  text-decoration: none;
  transition: color 0.15s ease, opacity 0.15s ease;
}

a:hover {
  color: var(--accent-600);
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--navy-900);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 3.5vw, 2.75rem); }
h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.45rem); }
h4 { font-size: 1.15rem; }

p {
  color: var(--slate-700);
  margin-bottom: 1.25rem;
}

p:last-child {
  margin-bottom: 0;
}

ul, ol {
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
  color: var(--slate-700);
}

li {
  margin-bottom: 0.5rem;
}

/* --------------------------------------------------------------------------
   3. Layout Containers
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

.site-main {
  flex: 1 0 auto;
  padding-top: 1.5rem;
  padding-bottom: 3.5rem;
}

/* --------------------------------------------------------------------------
   4. YMYL Trust & Compliance Top Bar
   -------------------------------------------------------------------------- */
.ymyl-top-bar {
  position: sticky;
  top: var(--header-height, 64px);
  z-index: 890;
  background: var(--navy-950);
  color: var(--slate-400);
  font-size: 0.8125rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.ymyl-top-bar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.ymyl-top-bar__text {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 0;
  color: var(--slate-300);
}

.ymyl-top-bar__text i {
  color: var(--accent-400);
}

.ymyl-top-bar__links {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.ymyl-top-bar__link {
  color: var(--slate-400);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-size: 0.775rem;
}

.ymyl-top-bar__link:hover {
  color: var(--white);
}

/* --------------------------------------------------------------------------
   5. Sticky Header & Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
  background: rgba(11, 25, 44, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: 1.5rem;
}

.site-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
}

.site-logo img {
  height: 38px;
  width: auto;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.site-nav__link {
  color: var(--slate-200);
  font-weight: 500;
  font-size: 0.9375rem;
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  transition: all 0.15s ease;
  white-space: nowrap;
  background: transparent;
  border: none;
  cursor: pointer;
  font-family: inherit;
  line-height: 1.3;
}

.site-nav__link i {
  font-size: 0.85rem;
  color: var(--slate-400);
  transition: color 0.15s ease;
}

.site-nav__link:hover {
  color: var(--white);
  background: rgba(255, 255, 255, 0.08);
}

.site-nav__link:hover i {
  color: var(--accent-400);
}

.site-nav__link--active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.12);
}

/* Dropdown Submenu Navigation */
.nav-dropdown {
  position: relative;
}

.nav-dropdown__trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.nav-dropdown__arrow {
  font-size: 0.65rem !important;
  margin-left: 0.15rem;
  transition: transform 0.2s ease;
}

.nav-dropdown:hover .nav-dropdown__arrow,
.nav-dropdown.is-open .nav-dropdown__arrow {
  transform: rotate(180deg);
  color: var(--accent-400) !important;
}

.nav-dropdown__menu {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  min-width: 440px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 30px -5px rgba(0, 0, 0, 0.2), 0 10px 15px -5px rgba(0, 0, 0, 0.08);
  padding: 0.85rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s cubic-bezier(0.16, 1, 0.3, 1), transform 0.2s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.2s;
  z-index: 1000;
}

.nav-dropdown:hover .nav-dropdown__menu,
.nav-dropdown.is-open .nav-dropdown__menu,
.nav-dropdown__trigger:focus + .nav-dropdown__menu,
.nav-dropdown__menu:focus-within {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown__menu--sm {
  min-width: 320px;
}

.nav-dropdown__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.35rem;
}

.nav-dropdown__item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 0.65rem 0.85rem;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: background 0.15s ease, transform 0.15s ease;
}

.nav-dropdown__item:hover {
  background: var(--slate-50);
  transform: translateX(3px);
}

.nav-dropdown__icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.nav-dropdown__icon--blue {
  background: var(--blue-50);
  color: var(--blue-600);
}

.nav-dropdown__icon--emerald {
  background: var(--emerald-50);
  color: var(--emerald-600);
}

.nav-dropdown__icon--purple {
  background: #faf5ff;
  color: #9333ea;
}

.nav-dropdown__icon--amber {
  background: #fef3c7;
  color: var(--accent-600);
}

.nav-dropdown__content {
  flex: 1;
}

.nav-dropdown__title {
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 0.1rem;
  white-space: nowrap;
}

.nav-dropdown__desc {
  font-size: 0.775rem;
  color: var(--slate-500);
  line-height: 1.35;
  margin: 0;
}

.nav-dropdown__footer {
  margin-top: 0.65rem;
  padding-top: 0.65rem;
  border-top: 1px solid var(--slate-100);
  text-align: right;
  padding-right: 0.5rem;
}

.nav-dropdown__footer a {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--blue-600);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

.nav-dropdown__footer a:hover {
  color: var(--accent-600);
}

/* Article Card Title Icon Badge */
.article-title-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: var(--radius-md);
  background: var(--blue-50);
  color: var(--blue-600);
  font-size: 0.95rem;
  margin-right: 0.6rem;
  flex-shrink: 0;
  vertical-align: -2px;
  transition: all 0.2s ease;
}

.article-card:hover .article-title-icon {
  background: var(--blue-600);
  color: var(--white);
  transform: scale(1.08);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* Quick Search Trigger Button */
.search-trigger-btn {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: var(--slate-300);
  font-family: inherit;
  font-size: 0.875rem;
  padding: 0.45rem 0.85rem;
  border-radius: var(--radius-md);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: all 0.15s ease;
}

.search-trigger-btn:hover {
  background: rgba(255, 255, 255, 0.15);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
}

.search-trigger-btn kbd {
  background: rgba(0, 0, 0, 0.3);
  color: var(--slate-300);
  padding: 0.1rem 0.35rem;
  border-radius: 4px;
  font-size: 0.7rem;
  font-family: inherit;
  border: 1px solid rgba(255, 255, 255, 0.15);
}

/* Action CTA Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 0.65rem 1.25rem;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
  line-height: 1.2;
}

.btn--primary {
  background: linear-gradient(135deg, var(--accent-500) 0%, var(--accent-600) 100%);
  color: var(--navy-950);
  box-shadow: 0 4px 12px rgba(245, 158, 11, 0.3);
}

.btn--primary:hover {
  background: linear-gradient(135deg, var(--accent-400) 0%, var(--accent-500) 100%);
  color: var(--navy-950);
  box-shadow: 0 6px 16px rgba(245, 158, 11, 0.4);
  transform: translateY(-1px);
}

.btn--secondary {
  background: var(--navy-800);
  color: var(--white);
  border-color: var(--slate-700);
}

.btn--secondary:hover {
  background: var(--navy-700);
  color: var(--white);
  border-color: var(--slate-600);
}

.btn--outline {
  background: transparent;
  color: var(--blue-600);
  border-color: var(--blue-600);
}

.btn--outline:hover {
  background: var(--blue-50);
  color: var(--blue-600);
}

.btn--lg {
  padding: 0.85rem 1.75rem;
  font-size: 1.0625rem;
}

.btn--sm {
  padding: 0.4rem 0.85rem;
  font-size: 0.8125rem;
}

.btn--block {
  width: 100%;
}

/* Mobile Navigation Hamburger */
.mobile-nav-toggle {
  display: none;
  background: transparent;
  border: none;
  color: var(--white);
  font-size: 1.35rem;
  cursor: pointer;
  padding: 0.5rem;
  border-radius: var(--radius-sm);
}

.mobile-nav-toggle:hover {
  background: rgba(255, 255, 255, 0.1);
}

/* Mobile Drawer Overlay */
.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.6);
  backdrop-filter: blur(4px);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}

.mobile-drawer-overlay.is-active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  max-width: 85vw;
  height: 100vh;
  background: var(--navy-950);
  z-index: 999;
  box-shadow: -4px 0 25px rgba(0, 0, 0, 0.3);
  display: flex;
  flex-direction: column;
  transition: right 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
}

.mobile-drawer.is-active {
  right: 0;
}

.mobile-drawer__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.mobile-drawer__close {
  background: transparent;
  border: none;
  color: var(--slate-400);
  font-size: 1.25rem;
  cursor: pointer;
  padding: 0.4rem;
}

.mobile-drawer__nav {
  padding: 1rem 0;
  display: flex;
  flex-direction: column;
}

.mobile-drawer__link {
  color: var(--slate-200);
  padding: 0.75rem 1.5rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  border-left: 3px solid transparent;
}

.mobile-drawer__link i {
  width: 20px;
  color: var(--slate-400);
}

.mobile-drawer__link:hover, .mobile-drawer__link--active {
  color: var(--white);
  background: rgba(255, 255, 255, 0.05);
  border-left-color: var(--accent-500);
}

.mobile-drawer__link:hover i {
  color: var(--accent-400);
}

.mobile-drawer__footer {
  margin-top: auto;
  padding: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

/* --------------------------------------------------------------------------
   6. Search Modal
   -------------------------------------------------------------------------- */
.search-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 10vh;
  padding-left: 1rem;
  padding-right: 1rem;
  background: rgba(15, 23, 42, 0.7);
  backdrop-filter: blur(8px);
  opacity: 0;
  visibility: hidden;
  transition: all 0.2s ease;
}

.search-modal.is-active {
  opacity: 1;
  visibility: visible;
}

.search-modal__box {
  width: 100%;
  max-width: 600px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--slate-200);
  transform: translateY(-10px);
  transition: transform 0.2s ease;
}

.search-modal.is-active .search-modal__box {
  transform: translateY(0);
}

.search-modal__header {
  display: flex;
  align-items: center;
  padding: 0.85rem 1.25rem;
  border-bottom: 1px solid var(--slate-200);
  background: var(--slate-50);
}

.search-modal__icon {
  color: var(--slate-400);
  font-size: 1.1rem;
  margin-right: 0.75rem;
}

.search-modal__input {
  flex: 1;
  border: none;
  background: transparent;
  font-family: inherit;
  font-size: 1.05rem;
  color: var(--slate-900);
  outline: none;
}

.search-modal__close {
  background: transparent;
  border: none;
  color: var(--slate-400);
  font-size: 1.1rem;
  cursor: pointer;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
}

.search-modal__close:hover {
  background: var(--slate-200);
  color: var(--slate-700);
}

.search-modal__results {
  max-height: 400px;
  overflow-y: auto;
  padding: 0.5rem;
}

.search-result-item {
  display: block;
  padding: 0.85rem 1rem;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: background 0.15s ease;
}

.search-result-item:hover {
  background: var(--slate-100);
}

.search-result-item__category {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--blue-600);
  margin-bottom: 0.2rem;
}

.search-result-item__title {
  font-size: 0.975rem;
  font-weight: 600;
  color: var(--slate-900);
  margin-bottom: 0.25rem;
}

.search-result-item__excerpt {
  font-size: 0.825rem;
  color: var(--slate-600);
  margin: 0;
  line-height: 1.4;
}

.search-modal__empty {
  padding: 2.5rem 1rem;
  text-align: center;
  color: var(--slate-500);
  font-size: 0.95rem;
}

/* --------------------------------------------------------------------------
   7. Strict Google AdSense Ad Placement Containers (CLS = 0)
   -------------------------------------------------------------------------- */

/* ── ADS HIDDEN: Remove the line below when AdSense is approved ──────────── */
.ad-slot-wrapper { display: none !important; }
/* ─────────────────────────────────────────────────────────────────────────── */

.ad-slot-wrapper {
  margin: 1.75rem auto;
  text-align: center;
  position: relative;
  overflow: hidden;
  clear: both;
}

.ad-slot-wrapper__label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate-400);
  margin-bottom: 0.35rem;
  text-align: center;
}

.ad-zone {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--slate-100);
  border: 1px dashed var(--slate-300);
  border-radius: var(--radius-md);
  margin: 0 auto;
  overflow: hidden;
  position: relative;
}

.ad-zone::after {
  content: attr(data-ad-label);
  font-size: 0.75rem;
  color: var(--slate-400);
  font-weight: 500;
  pointer-events: none;
}

/* Top Responsive Leaderboard (728x90 desktop / 320x50 or 300x100 mobile) */
.ad-zone--leaderboard {
  width: 100%;
  max-width: 970px;
  min-height: 90px;
  aspect-ratio: 970 / 90;
}

@media (max-width: 768px) {
  .ad-zone--leaderboard {
    max-width: 320px;
    min-height: 50px;
    aspect-ratio: 320 / 50;
  }
}

/* In-Article Native Box Unit */
.ad-zone--in-article {
  width: 100%;
  min-height: 250px;
  aspect-ratio: 16 / 9;
  max-height: 280px;
}

/* Sticky Sidebar Unit (300x250 or 300x600) */
.ad-zone--sidebar-sq {
  width: 300px;
  height: 250px;
  min-height: 250px;
}

.ad-zone--sidebar-tall {
  width: 300px;
  height: 600px;
  min-height: 600px;
}

/* Feed / In-Grid Unit */
.ad-zone--feed {
  width: 100%;
  min-height: 280px;
}

/* --------------------------------------------------------------------------
   8. Hero Section
   -------------------------------------------------------------------------- */
.hero-section {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 50%, var(--navy-800) 100%);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.25rem 2.25rem;
  margin-bottom: 2rem;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.hero-section::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.25) 0%, rgba(0, 0, 0, 0) 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(245, 158, 11, 0.15);
  border: 1px solid rgba(245, 158, 11, 0.4);
  color: var(--accent-400);
  font-size: 0.8125rem;
  font-weight: 600;
  padding: 0.35rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.85rem;
}

.hero-badge i {
  color: var(--accent-400);
}

.hero-title {
  color: var(--white);
  font-size: clamp(1.9rem, 3.2vw, 2.75rem);
  font-weight: 800;
  line-height: 1.18;
  margin-bottom: 0.85rem;
  letter-spacing: -0.03em;
}

.hero-title span {
  color: var(--accent-400);
}

.hero-description {
  color: var(--slate-300);
  font-size: 1.025rem;
  line-height: 1.55;
  margin-bottom: 1.35rem;
  max-width: 540px;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  flex-wrap: wrap;
  margin-bottom: 0;
}

.hero-trust-badges {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.15rem;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 0.85rem;
  margin-top: 0.85rem;
  width: 100%;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  color: var(--slate-300);
  font-size: 0.8125rem;
  font-weight: 500;
}

.hero-trust-item i {
  color: var(--emerald-500);
  font-size: 0.95rem;
}

.hero-visual {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.hero-art {
  width: 100%;
  max-width: 480px;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.3);
}

/* --------------------------------------------------------------------------
   9. Statistics / Trust Bar Strip
   -------------------------------------------------------------------------- */
.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  background: var(--white);
  padding: 1.75rem 2rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--slate-200);
  margin-bottom: 2.5rem;
}

.trust-stat-box {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.trust-stat-box__icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  background: var(--blue-50);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}

.trust-stat-box__number {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy-900);
  line-height: 1.1;
}

.trust-stat-box__label {
  font-size: 0.8125rem;
  color: var(--slate-600);
  margin: 0;
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   10. Pillar Cards Grid (Home & Categories)
   -------------------------------------------------------------------------- */
.section-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 1.75rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.section-title {
  margin-bottom: 0.35rem;
}

.section-subtitle {
  color: var(--slate-600);
  font-size: 1rem;
  margin: 0;
}

.pillars-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

.pillar-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: var(--shadow-sm);
}

.pillar-card:hover {
  transform: translateY(-4px);
  border-color: var(--blue-500);
  box-shadow: var(--shadow-lg);
}

.pillar-card--star {
  border-color: var(--accent-400);
  background: linear-gradient(180deg, #fffcf5 0%, var(--white) 100%);
}

.pillar-card--star::before {
  content: '★ Flagship Specialization';
  position: absolute;
  top: -12px;
  right: 16px;
  background: var(--accent-500);
  color: var(--navy-950);
  font-size: 0.6875rem;
  font-weight: 700;
  padding: 0.2rem 0.65rem;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.pillar-card__icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.pillar-card__icon-wrap img {
  width: 48px;
  height: 48px;
}

.pillar-card__title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.pillar-card__title i {
  font-size: 0.9rem;
  color: var(--slate-400);
  transition: transform 0.2s ease, color 0.2s ease;
}

.pillar-card:hover .pillar-card__title i {
  color: var(--blue-600);
  transform: translateX(4px);
}

.pillar-card__desc {
  font-size: 0.9125rem;
  color: var(--slate-600);
  line-height: 1.5;
  margin-bottom: 1.25rem;
  flex: 1;
}

.pillar-card__meta {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--blue-600);
  border-top: 1px solid var(--slate-100);
  padding-top: 0.85rem;
}

/* --------------------------------------------------------------------------
   11. Interactive Tools Banner / Teasers
   -------------------------------------------------------------------------- */
.tools-teaser-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

.tool-teaser-card {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  gap: 1.5rem;
  align-items: center;
  text-decoration: none;
  box-shadow: var(--shadow-md);
  transition: all 0.25s ease;
}

.tool-teaser-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-xl);
  border-color: var(--accent-400);
}

.tool-teaser-card__icon {
  width: 64px;
  height: 64px;
  flex-shrink: 0;
}

.tool-teaser-card__content h3 {
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: 0.4rem;
}

.tool-teaser-card__content p {
  color: var(--slate-300);
  font-size: 0.875rem;
  margin-bottom: 0.75rem;
}

.tool-teaser-card__link {
  color: var(--accent-400);
  font-weight: 600;
  font-size: 0.875rem;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

/* --------------------------------------------------------------------------
   12. Article Grid & Cards
   -------------------------------------------------------------------------- */
.article-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

.article-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 0;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  box-shadow: var(--shadow-sm);
  transition: all 0.22s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.article-card:hover {
  transform: translateY(-4px);
  border-color: var(--blue-500);
  box-shadow: var(--shadow-lg);
}

.article-card__thumb {
  width: 100%;
  height: 75px;
  background: var(--navy-900);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}

.article-card__thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.35s ease;
}

.article-card:hover .article-card__thumb img {
  transform: scale(1.05);
}

.article-card__body {
  padding: 1.15rem 1.25rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.article-card__category {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--blue-600);
  margin-bottom: 0.65rem;
}

.article-card__title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy-900);
  line-height: 1.35;
  margin-bottom: 0.65rem;
  transition: color 0.15s ease;
  display: flex;
  align-items: flex-start;
}

.article-card:hover .article-card__title {
  color: var(--blue-600);
}

.article-card__excerpt {
  font-size: 0.8875rem;
  color: var(--slate-600);
  line-height: 1.55;
  margin-bottom: 1.25rem;
  flex: 1;
}

.article-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid var(--slate-100);
  padding-top: 0.85rem;
  font-size: 0.8125rem;
  color: var(--slate-500);
}

.article-card__author {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 500;
}

.article-card__read-more {
  color: var(--blue-600);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  transition: transform 0.15s ease;
}

.article-card:hover .article-card__read-more {
  transform: translateX(3px);
  color: var(--accent-600);
}

/* --------------------------------------------------------------------------
   13. Single Article Layout & Reading Experience
   -------------------------------------------------------------------------- */
.article-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 2.5rem;
  align-items: start;
}

.article-content-wrapper {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-sm);
}

/* Breadcrumbs */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: var(--slate-500);
  margin-bottom: 1.25rem;
  flex-wrap: wrap;
}

.breadcrumbs a {
  color: var(--slate-600);
}

.breadcrumbs a:hover {
  color: var(--blue-600);
}

.breadcrumbs i {
  font-size: 0.65rem;
  color: var(--slate-400);
}

.article-header {
  border-bottom: 1px solid var(--slate-200);
  padding-bottom: 1.75rem;
  margin-bottom: 2rem;
}

.article-header__category {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: var(--blue-50);
  color: var(--blue-600);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.35rem 0.75rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}

.article-header__title {
  font-size: clamp(2rem, 3vw, 2.5rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 1.25rem;
  color: var(--navy-900);
}

.article-author-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: var(--slate-50);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--slate-200);
}

.article-author-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: var(--navy-800);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  font-weight: 700;
  flex-shrink: 0;
}

.article-author-card__info {
  flex: 1;
}

.article-author-card__name {
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.9375rem;
  margin-bottom: 0.15rem;
}

.article-author-card__credentials {
  font-size: 0.8125rem;
  color: var(--emerald-600);
  font-weight: 600;
  margin-bottom: 0.2rem;
}

.article-author-card__dates {
  font-size: 0.75rem;
  color: var(--slate-500);
  margin: 0;
}

/* Article Body Typography */
.article-body {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: var(--slate-800);
}

.article-body h2 {
  font-size: 1.6rem;
  margin-top: 2.25rem;
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--slate-100);
  color: var(--navy-900);
}

.article-body h3 {
  font-size: 1.3rem;
  margin-top: 1.75rem;
  margin-bottom: 0.75rem;
  color: var(--navy-800);
}

.article-body ul, .article-body ol {
  margin-bottom: 1.5rem;
  padding-left: 1.75rem;
}

.article-body li {
  margin-bottom: 0.65rem;
}

.article-body strong {
  color: var(--navy-900);
}

/* Callout Boxes inside Article */
.callout-box {
  background: var(--blue-50);
  border-left: 4px solid var(--blue-600);
  padding: 1.25rem 1.5rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 1.75rem 0;
}

.callout-box--warning {
  background: #fffbeb;
  border-left-color: var(--accent-500);
}

.callout-box--success {
  background: var(--emerald-50);
  border-left-color: var(--emerald-500);
}

.callout-box h4 {
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* FAQ Accordion Section */
.article-faq {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 2px solid var(--slate-100);
}

.article-faq h2 {
  font-size: 1.5rem;
  margin-bottom: 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.65rem;
}

.faq-item {
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  margin-bottom: 0.85rem;
  overflow: hidden;
  background: var(--slate-50);
}

.faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 1.15rem 1.25rem;
  text-align: left;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  gap: 1rem;
}

.faq-question i {
  color: var(--slate-400);
  font-size: 0.85rem;
  transition: transform 0.2s ease;
}

.faq-item.is-open .faq-question i {
  transform: rotate(180deg);
  color: var(--blue-600);
}

.faq-answer {
  padding: 0 1.25rem 1.25rem;
  display: none;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--slate-700);
}

.faq-item.is-open .faq-answer {
  display: block;
}

/* Article In-Body Lead CTA Box */
.article-cta-box {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.25rem 2rem;
  margin: 2.5rem 0;
  text-align: center;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.article-cta-box h3 {
  color: var(--white);
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
}

.article-cta-box p {
  color: var(--slate-300);
  max-width: 500px;
  margin: 0 auto 1.5rem;
  font-size: 0.95rem;
}

/* Sticky Sidebar */
.article-sidebar {
  position: sticky;
  top: calc(var(--header-height) + 1.5rem);
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.sidebar-widget {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-widget__title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--slate-100);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.sidebar-widget__title i {
  color: var(--blue-600);
}

.sidebar-quote-box {
  background: linear-gradient(135deg, var(--blue-50) 0%, #fff 100%);
  border: 1px solid var(--blue-100);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: center;
}

.sidebar-quote-box h4 {
  font-size: 1.15rem;
  color: var(--navy-900);
  margin-bottom: 0.4rem;
}

.sidebar-quote-box p {
  font-size: 0.85rem;
  color: var(--slate-600);
  margin-bottom: 1rem;
}

.related-guides-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.related-guides-item {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--slate-100);
}

.related-guides-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.related-guides-item a {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-800);
  line-height: 1.4;
  display: block;
}

.related-guides-item a:hover {
  color: var(--blue-600);
}

.related-guides-item span {
  display: block;
  font-size: 0.75rem;
  color: var(--slate-500);
  margin-top: 0.2rem;
}

/* --------------------------------------------------------------------------
   14. Lead Generation & Quote Forms
   -------------------------------------------------------------------------- */
.lead-form-layout {
  max-width: 720px;
  margin: 0 auto;
}

.lead-form-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

.lead-form-header {
  text-align: center;
  margin-bottom: 2rem;
}

.lead-form-header h1 {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.lead-form-header p {
  font-size: 1rem;
  color: var(--slate-600);
  max-width: 500px;
  margin: 0 auto;
}

.lead-trust-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  margin: 1.5rem 0;
  padding: 0.75rem;
  background: var(--slate-50);
  border-radius: var(--radius-md);
  border: 1px solid var(--slate-200);
}

.lead-trust-strip__item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.8125rem;
  color: var(--slate-700);
  font-weight: 600;
}

.lead-trust-strip__item i {
  color: var(--emerald-600);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}

.form-group--full {
  grid-column: span 2;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-800);
  margin-bottom: 0.4rem;
}

.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--slate-900);
  background: var(--white);
  border: 1.5px solid var(--slate-300);
  border-radius: var(--radius-md);
  outline: none;
  transition: all 0.15s ease;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

.form-errors-box {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  margin-bottom: 1.5rem;
}

.form-errors-box ul {
  margin: 0;
  padding-left: 1.25rem;
  color: var(--coral-600);
  font-size: 0.875rem;
}

.form-disclaimer {
  font-size: 0.785rem;
  color: var(--slate-500);
  line-height: 1.5;
  margin: 1.25rem 0;
}

/* --------------------------------------------------------------------------
   15. Interactive Tools: Estimator & Needs Checker
   -------------------------------------------------------------------------- */
.tool-page-container {
  max-width: 860px;
  margin: 0 auto;
}

.tool-header {
  text-align: center;
  margin-bottom: 2rem;
}

.tool-header h1 {
  font-size: 2.25rem;
  margin-bottom: 0.5rem;
}

.tool-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

/* Range Slider */
.slider-container {
  margin: 1.5rem 0;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.slider-val-badge {
  background: var(--blue-600);
  color: var(--white);
  font-weight: 700;
  font-size: 1.1rem;
  padding: 0.25rem 0.85rem;
  border-radius: var(--radius-full);
}

.custom-range {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--slate-200);
  outline: none;
  cursor: pointer;
  accent-color: var(--blue-600);
}

/* Estimator Live Output Meter */
.estimate-display-box {
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin: 2rem 0;
  text-align: center;
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.estimate-display-box__title {
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-400);
  margin-bottom: 0.5rem;
  font-weight: 700;
}

.estimate-display-box__number {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.5rem;
}

.estimate-breakdown-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.25rem;
}

.estimate-breakdown-item {
  text-align: center;
}

.estimate-breakdown-item span {
  display: block;
  font-size: 0.75rem;
  color: var(--slate-400);
}

.estimate-breakdown-item strong {
  font-size: 1.05rem;
  color: var(--white);
}

/* Needs Checker Step Wizard */
.wizard-progress-bar {
  height: 6px;
  background: var(--slate-100);
  border-radius: 3px;
  margin-bottom: 2rem;
  overflow: hidden;
}

.wizard-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue-600), var(--accent-500));
  transition: width 0.3s ease;
}

.wizard-step-badge {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 0.5rem;
}

.wizard-question-title {
  font-size: 1.45rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: var(--navy-900);
}

.wizard-options-grid {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 1.75rem;
}

.wizard-option-btn {
  background: var(--slate-50);
  border: 1.5px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 1.15rem 1.25rem;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 500;
  color: var(--slate-800);
  text-align: left;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: all 0.15s ease;
}

.wizard-option-btn:hover {
  background: var(--blue-50);
  border-color: var(--blue-500);
  color: var(--navy-900);
  transform: translateX(4px);
}

.wizard-option-btn i {
  color: var(--slate-400);
}

.wizard-option-btn:hover i {
  color: var(--blue-600);
}

/* Needs Checker Results */
.wizard-results-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
}

.wizard-result-card {
  background: var(--white);
  border: 1.5px solid var(--blue-100);
  border-left: 4px solid var(--blue-600);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  margin-bottom: 1rem;
  box-shadow: var(--shadow-sm);
}

.wizard-result-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.35rem;
  color: var(--navy-900);
}

.wizard-result-card p {
  font-size: 0.9rem;
  color: var(--slate-600);
  margin-bottom: 0.75rem;
}

/* --------------------------------------------------------------------------
   16. Legal Pages (Privacy, Terms, Disclaimer, About, Contact)
   -------------------------------------------------------------------------- */
.legal-page-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-sm);
  max-width: 860px;
  margin: 0 auto;
}

.legal-page-card h1 {
  font-size: 2.25rem;
  margin-bottom: 1.5rem;
  border-bottom: 2px solid var(--slate-100);
  padding-bottom: 1rem;
}

.legal-page-card h2 {
  font-size: 1.45rem;
  margin-top: 2rem;
  margin-bottom: 0.85rem;
  color: var(--navy-900);
}

.legal-page-card p {
  font-size: 1rem;
  line-height: 1.7;
}

/* --------------------------------------------------------------------------
   17. Comprehensive Mega-Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--navy-950);
  color: var(--slate-400);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 4rem;
  padding-bottom: 2rem;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}

.footer-brand p {
  color: var(--slate-400);
  font-size: 0.875rem;
  line-height: 1.6;
  margin: 1rem 0 1.25rem;
}

.footer-badges-row {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.footer-col__title {
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  letter-spacing: -0.01em;
}

.footer-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-nav-list li {
  margin-bottom: 0.65rem;
}

.footer-nav-list a {
  color: var(--slate-400);
  font-size: 0.875rem;
  transition: color 0.15s ease;
}

.footer-nav-list a:hover {
  color: var(--accent-400);
}

.footer-legal-notice {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin-bottom: 2.5rem;
  font-size: 0.785rem;
  color: var(--slate-400);
  line-height: 1.6;
}

.footer-legal-notice strong {
  color: var(--slate-200);
}

.footer-bottom-bar {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8125rem;
}

.footer-bottom-bar p {
  margin: 0;
}

.footer-subsidiary {
  color: var(--slate-500);
  font-size: 0.75rem;
}

/* --------------------------------------------------------------------------
   18. Responsive Breakpoints
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero-description {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-cta-group, .hero-trust-badges {
    justify-content: center;
  }
  .article-layout {
    grid-template-columns: 1fr;
  }
  .article-sidebar {
    position: static;
    margin-top: 2rem;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .trust-strip {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .site-nav, .search-trigger-btn span {
    display: none;
  }
  .mobile-nav-toggle {
    display: block;
  }
  .tools-teaser-grid {
    grid-template-columns: 1fr;
  }
  .trust-strip {
    grid-template-columns: 1fr;
    gap: 1rem;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .form-group--full {
    grid-column: span 1;
  }
  .hero-section {
    padding: 2.5rem 1.5rem;
  }
  .article-content-wrapper, .lead-form-card, .tool-card, .legal-page-card {
    padding: 1.5rem;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom-bar {
    flex-direction: column;
    text-align: center;
  }
}