/* =============================================================
   AGENT FINANCE — Design System
   Archetype: adapted Magazine Multi-Page structure (home/hub/article)
   reskinned with a modern fintech-editorial palette & sans typography
   in the spirit of Stripe / Notion / Linear / Mercury / NerdWallet.
   ============================================================= */

/* =============================================================
   1. Tokens
   ============================================================= */
:root {
  /* Palette */
  --navy-950: #070c16;
  --navy-900: #0b1220;
  --navy-800: #121c2f;
  --navy-700: #1b2842;
  --blue-600: #2955f5;
  --blue-700: #1d3fd1;
  --blue-100: #e8edff;
  --blue-50:  #f3f6ff;
  --green-600: #0f9d6e;
  --green-700: #0b7f59;
  --green-100: #e3f7ee;
  --gold-600: #b98900;
  --gold-100: #fbf1d6;
  --red-600: #d1403a;
  --red-100: #fbe9e8;

  --ink-900: #0b1220;
  --ink-700: #2a3446;
  --ink-600: #475467;
  --ink-500: #667085;
  --ink-400: #98a2b3;

  --bg: #ffffff;
  --bg-soft: #f7f9fc;
  --bg-soft-2: #eef2f9;
  --border: #e4e9f2;
  --border-strong: #d0d9e8;

  --accent: var(--blue-600);
  --accent-2: var(--green-600);

  /* Type */
  --display: "Sora", "Inter", system-ui, sans-serif;
  --sans: "Inter", system-ui, -apple-system, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", monospace;

  /* Easings */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in: cubic-bezier(0.7, 0, 0.84, 0);
  --ease-soft: cubic-bezier(0.25, 0.46, 0.45, 0.94);

  /* Layout */
  --container: 1180px;
  --container-wide: 1320px;
  --container-narrow: 760px;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11,18,32,0.06), 0 1px 1px rgba(11,18,32,0.04);
  --shadow-md: 0 8px 24px rgba(11,18,32,0.08), 0 2px 6px rgba(11,18,32,0.04);
  --shadow-lg: 0 24px 64px rgba(11,18,32,0.14), 0 8px 20px rgba(11,18,32,0.06);
  --nav-h: 76px;
}

/* =============================================================
   2. Reset & base
   ============================================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; }
html {
  -webkit-text-size-adjust: 100%;
  tab-size: 2;
  scroll-behavior: smooth;
  overflow-x: clip;
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-700);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
  overscroll-behavior-y: none;
}

img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
button { font: inherit; color: inherit; cursor: pointer; border: 0; background: none; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; padding: 0; }
p { text-wrap: pretty; }
h1, h2, h3, h4 { font-family: var(--display); color: var(--ink-900); text-wrap: balance; line-height: 1.12; letter-spacing: -0.015em; font-weight: 650; }
h1 { font-weight: 700; }
table { border-collapse: collapse; width: 100%; }
::selection { background: var(--blue-100); color: var(--navy-900); }

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: fixed; top: -100px; left: 1rem; z-index: 9999;
  padding: .7rem 1.1rem; background: var(--navy-900); color: #fff;
  border-radius: 8px; font-weight: 600; font-size: 0.9rem;
  transition: top .2s var(--ease-out);
}
.skip-link:focus { top: 1rem; }

/* =============================================================
   3. Utilities
   ============================================================= */
.container { max-width: var(--container); margin-inline: auto; padding-inline: 1.5rem; }
.container-wide { max-width: var(--container-wide); margin-inline: auto; padding-inline: 1.5rem; }
.container-narrow { max-width: var(--container-narrow); margin-inline: auto; padding-inline: 1.5rem; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.section { padding-block: clamp(3.5rem, 7vw, 6.5rem); }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--navy-900); color: rgba(255,255,255,0.86); }
.section-navy h2, .section-navy h3 { color: #fff; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--mono); font-size: 0.78rem; font-weight: 500;
  letter-spacing: 0.06em; text-transform: uppercase; color: var(--accent);
  margin-bottom: 0.9rem;
}
.eyebrow::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--accent-2); }
.section-head { max-width: 640px; margin-bottom: 2.75rem; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head p { color: var(--ink-600); font-size: 1.06rem; margin-top: 0.9rem; }
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }

/* Reveal-on-scroll (functional, never gated by reduced-motion) */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal[data-split] { opacity: 1; transform: none; }

/* =============================================================
   4. Typography components
   ============================================================= */
.lede { font-size: 1.2rem; color: var(--ink-600); line-height: 1.6; }
.prose { max-width: 68ch; }
.prose h2 { font-size: 1.7rem; margin-top: 2.6rem; margin-bottom: 1rem; scroll-margin-top: calc(var(--nav-h) + 16px); }
.prose h3 { font-size: 1.3rem; margin-top: 2rem; margin-bottom: 0.8rem; scroll-margin-top: calc(var(--nav-h) + 16px); }
.prose p { margin-bottom: 1.25rem; font-size: 1.04rem; color: var(--ink-700); }
.prose ul, .prose ol { margin: 0 0 1.4rem 0; padding-left: 1.3rem; list-style: disc; }
.prose ol { list-style: decimal; }
.prose li { margin-bottom: 0.55rem; font-size: 1.04rem; }
.prose a:not(.btn) { color: var(--blue-700); text-decoration: underline; text-decoration-color: var(--border-strong); text-underline-offset: 3px; }
.prose a:not(.btn):hover { text-decoration-color: var(--blue-700); }
.prose strong { color: var(--ink-900); font-weight: 650; }
.prose img { border-radius: var(--radius-md); margin-block: 1.75rem; }
.prose table { margin-block: 1.75rem; font-size: 0.95rem; }
.prose blockquote {
  border-left: 3px solid var(--accent-2);
  padding: 0.3rem 0 0.3rem 1.4rem;
  margin: 2rem 0;
  font-family: var(--display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--ink-900);
  line-height: 1.4;
}

.data-table th, .data-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--border); text-align: left; }
.data-table thead th { background: var(--bg-soft); font-family: var(--display); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--ink-600); }
.data-table tbody tr:hover { background: var(--bg-soft); }
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-md); }
.table-wrap .data-table { margin: 0; }

.callout {
  display: flex; gap: 0.9rem; padding: 1.15rem 1.3rem; border-radius: var(--radius-md);
  border: 1px solid var(--border); background: var(--bg-soft); margin-block: 1.75rem; font-size: 0.98rem;
}
.callout strong { color: var(--ink-900); }
.callout-icon { flex-shrink: 0; width: 22px; height: 22px; margin-top: 2px; }
.callout-info { border-color: var(--blue-100); background: var(--blue-50); }
.callout-warn { border-color: #f3dfa0; background: var(--gold-100); }
.callout-tip { border-color: var(--green-100); background: var(--green-100); }

/* =============================================================
   5. Buttons
   ============================================================= */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.5rem; border-radius: 999px; font-weight: 600; font-size: 0.98rem;
  transition: transform .3s var(--ease-out), box-shadow .3s var(--ease-out), background .25s var(--ease-out), color .25s var(--ease-out);
  white-space: nowrap;
}
.btn-primary { background: var(--navy-900); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--blue-700); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 8px 20px rgba(41,85,245,0.28); }
.btn-accent:hover { background: var(--blue-700); transform: translateY(-2px); box-shadow: 0 12px 26px rgba(41,85,245,0.34); }
.btn-ghost { background: transparent; color: var(--ink-900); border: 1.5px solid var(--border-strong); }
.btn-ghost:hover { border-color: var(--navy-900); background: var(--bg-soft); }
.btn-on-dark { background: #fff; color: var(--navy-900); }
.btn-on-dark:hover { background: var(--blue-100); transform: translateY(-2px); }
.btn-ghost-on-dark { border: 1.5px solid rgba(255,255,255,0.35); color: #fff; }
.btn-ghost-on-dark:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-sm { padding: 0.6rem 1.1rem; font-size: 0.88rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.55; pointer-events: none; }

/* =============================================================
   6. Navigation
   ============================================================= */
.site-header {
  position: sticky; top: 0; z-index: 500;
  background: rgba(255,255,255,0.82);
  backdrop-filter: blur(14px) saturate(160%);
  -webkit-backdrop-filter: blur(14px) saturate(160%);
  border-bottom: 1px solid var(--border);
}
@supports not (backdrop-filter: blur(1px)) {
  .site-header { background: rgba(255,255,255,0.98); }
}
.nav { height: var(--nav-h); display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: nowrap; }
.brand { display: flex; align-items: center; gap: 0.6rem; font-family: var(--display); font-weight: 700; font-size: 1.18rem; color: var(--navy-900); white-space: nowrap; flex-shrink: 0; }
.brand img { width: 34px; height: 34px; flex-shrink: 0; }
.nav-links { display: none; align-items: center; gap: 0.35rem; }
.nav-link {
  position: relative; padding: 0.6rem 0.85rem; font-weight: 550; font-size: 0.96rem; color: var(--ink-700);
  border-radius: 8px;
}
.nav-link::after {
  content: ""; position: absolute; left: 0.85rem; right: 0.85rem; bottom: 0.28rem; height: 2px;
  background: var(--accent); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease-out);
}
.nav-link:hover { color: var(--navy-900); }
.nav-link:hover::after, .nav-link[aria-current="page"]::after { transform: scaleX(1); }
.has-dropdown { position: relative; }
.dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  padding: 0.5rem; opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .2s var(--ease-out), transform .2s var(--ease-out), visibility .2s;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: none; }
.dropdown a { display: block; padding: 0.6rem 0.75rem; border-radius: 8px; font-size: 0.92rem; font-weight: 500; color: var(--ink-700); }
.dropdown a:hover { background: var(--bg-soft); color: var(--navy-900); }
.nav-actions { display: flex; align-items: center; gap: 0.6rem; }
.nav-actions > .btn { display: none; }
@media (min-width: 540px) { .nav-actions > .btn { display: inline-flex; } }
.nav-search-btn { display: none; width: 40px; height: 40px; align-items: center; justify-content: center; border-radius: 50%; border: 1px solid var(--border); }
.nav-search-btn:hover { background: var(--bg-soft); }
.nav-toggle { display: flex; width: 42px; height: 42px; align-items: center; justify-content: center; border-radius: 10px; border: 1px solid var(--border); }
.nav-toggle svg { width: 20px; height: 20px; }

@media (min-width: 960px) {
  .nav-links { display: flex; }
  .nav-search-btn { display: inline-flex; }
  .nav-toggle { display: none; }
}

.mobile-menu {
  position: fixed; inset: 0; z-index: 600; background: #fff;
  transform: translateX(100%); transition: transform .35s var(--ease-out);
  overflow-y: auto;
}
.mobile-menu.is-open { transform: none; }
.mobile-menu-head { display: flex; align-items: center; justify-content: space-between; height: var(--nav-h); padding-inline: 1.5rem; border-bottom: 1px solid var(--border); }
.mobile-menu-body { padding: 1.5rem; }
.mobile-menu a.nav-link { display: block; font-size: 1.05rem; padding: 0.9rem 0.4rem; border-bottom: 1px solid var(--border); border-radius: 0; }
.mobile-menu a.nav-link::after { display: none; }
.mobile-group-label { font-family: var(--mono); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-500); margin: 1.5rem 0 0.4rem; }
@media (min-width: 960px) { .mobile-menu { display: none; } }

/* Search overlay */
.search-overlay {
  position: fixed; inset: 0; z-index: 700; background: rgba(11,18,32,0.55);
  display: flex; align-items: flex-start; justify-content: center; padding-top: 12vh;
  opacity: 0; visibility: hidden; transition: opacity .25s var(--ease-out), visibility .25s;
}
.search-overlay.is-open { opacity: 1; visibility: visible; }
.search-panel { width: min(600px, 92vw); background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); overflow: hidden; }
.search-input-row { display: flex; align-items: center; gap: 0.75rem; padding: 1.1rem 1.3rem; border-bottom: 1px solid var(--border); }
.search-input-row input { flex: 1; border: 0; font-size: 1.05rem; font-family: var(--sans); outline: none; }
.search-results { max-height: 50vh; overflow-y: auto; padding: 0.5rem; }
.search-result { display: block; padding: 0.85rem 1rem; border-radius: var(--radius-sm); }
.search-result:hover, .search-result.is-active { background: var(--bg-soft); }
.search-result .sr-cat { font-family: var(--mono); font-size: 0.72rem; text-transform: uppercase; color: var(--accent); }
.search-result .sr-title { display: block; font-weight: 600; color: var(--ink-900); margin-top: 0.15rem; }
.search-empty { padding: 2rem 1rem; text-align: center; color: var(--ink-500); font-size: 0.95rem; }

/* =============================================================
   7. Hero
   ============================================================= */
.hero {
  position: relative; padding-top: clamp(3rem, 8vw, 6rem); padding-bottom: clamp(3rem, 7vw, 5rem);
  overflow: clip;
}
.hero-mesh {
  position: absolute; inset: -10% -10% auto -10%; height: 140%; z-index: -1;
  background:
    radial-gradient(38% 45% at 15% 20%, rgba(41,85,245,0.14) 0%, transparent 70%),
    radial-gradient(42% 50% at 85% 15%, rgba(15,157,110,0.13) 0%, transparent 70%),
    radial-gradient(50% 60% at 50% 100%, rgba(41,85,245,0.06) 0%, transparent 70%);
  filter: blur(30px);
  animation: meshDrift 34s ease-in-out infinite;
}
@keyframes meshDrift {
  0%, 100% { transform: translate3d(0,0,0) scale(1); }
  50% { transform: translate3d(-1.5%, 1%, 0) scale(1.06); }
}
.hero-grid { display: grid; gap: 3rem; align-items: center; }
.hero-kicker { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.4rem 0.85rem; border-radius: 999px; background: var(--blue-50); border: 1px solid var(--blue-100); font-size: 0.85rem; font-weight: 600; color: var(--blue-700); margin-bottom: 1.3rem; }
.hero-title { font-size: clamp(2.3rem, 5vw, 3.6rem); line-height: 1.06; max-width: 16ch; }
.hero-title .accent { color: var(--accent); }
.hero-sub { margin-top: 1.4rem; font-size: 1.18rem; color: var(--ink-600); max-width: 46ch; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 2rem; }
.hero-trust { margin-top: 2.2rem; display: flex; flex-wrap: wrap; gap: 1.6rem; font-size: 0.88rem; color: var(--ink-500); }
.hero-trust strong { color: var(--ink-900); font-family: var(--display); font-size: 1.1rem; display: block; }
.hero-media { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-media img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4/3; }
.hero-media-card {
  position: absolute; bottom: 1.1rem; left: 1.1rem; right: 1.1rem;
  background: rgba(255,255,255,0.78); backdrop-filter: blur(16px) saturate(180%); -webkit-backdrop-filter: blur(16px) saturate(180%);
  border: 1px solid rgba(255,255,255,0.6); border-radius: var(--radius-md); padding: 1rem 1.2rem;
  display: flex; align-items: center; gap: 0.9rem; box-shadow: var(--shadow-md);
}
@supports not (backdrop-filter: blur(1px)) { .hero-media-card { background: rgba(255,255,255,0.94); } }
.hero-media-card .dot { width: 10px; height: 10px; border-radius: 50%; background: var(--green-600); flex-shrink: 0; }
.hero-media-card strong { display: block; font-size: 0.92rem; color: var(--ink-900); }
.hero-media-card span { font-size: 0.82rem; color: var(--ink-500); }

@media (min-width: 960px) {
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; }
}

/* Page hero (category / article / legal) — smaller, no media */
.page-hero { padding-top: clamp(2.4rem, 6vw, 3.6rem); padding-bottom: clamp(2rem, 4vw, 3rem); border-bottom: 1px solid var(--border); background: var(--bg-soft); }
.page-hero .container-narrow, .page-hero .container { }
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
.page-hero .lede { margin-top: 1rem; }

/* Breadcrumbs */
.breadcrumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 0.4rem; font-size: 0.85rem; color: var(--ink-500); margin-bottom: 1.2rem; }
.breadcrumbs a { color: var(--ink-500); }
.breadcrumbs a:hover { color: var(--accent); text-decoration: underline; }
.breadcrumbs .sep { color: var(--ink-400); }
.breadcrumbs .current { color: var(--ink-700); font-weight: 500; }

/* Article meta row */
.article-meta { display: flex; flex-wrap: wrap; gap: 1.2rem; align-items: center; margin-top: 1.4rem; font-size: 0.9rem; color: var(--ink-500); }
.article-meta .author { display: flex; align-items: center; gap: 0.6rem; }
.article-meta .author img { width: 34px; height: 34px; border-radius: 50%; object-fit: cover; }
.article-meta .author strong { color: var(--ink-900); font-weight: 600; display: block; font-size: 0.9rem; }
.article-meta .sep { color: var(--border-strong); }

/* =============================================================
   8. Cards
   ============================================================= */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(1, 1fr); }
.grid-3 { grid-template-columns: repeat(1, 1fr); }
.grid-4 { grid-template-columns: repeat(1, 1fr); }
@media (min-width: 640px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 960px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } .grid-4 { grid-template-columns: repeat(4, 1fr); } }

.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-md);
  transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out), border-color .35s var(--ease-out);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }

.category-card { padding: 1.6rem; display: flex; flex-direction: column; gap: 0.9rem; }
.category-card .cat-icon { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-50); display: flex; align-items: center; justify-content: center; color: var(--accent); }
.category-card .cat-icon svg { width: 22px; height: 22px; }
.category-card h3 { font-size: 1.08rem; }
.category-card p { font-size: 0.92rem; color: var(--ink-600); flex: 1; }
.category-card .cat-count { font-size: 0.8rem; color: var(--ink-500); font-family: var(--mono); }

.article-card { overflow: hidden; display: flex; flex-direction: column; }
.article-card .thumb { aspect-ratio: 16/10; overflow: hidden; }
.article-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease-out); }
.article-card:hover .thumb img { transform: scale(1.06); }
.article-card .body { padding: 1.3rem 1.4rem 1.5rem; display: flex; flex-direction: column; gap: 0.6rem; flex: 1; }
.article-card .tag { font-family: var(--mono); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--accent); }
.article-card h3 { font-size: 1.12rem; line-height: 1.3; }
.article-card p { font-size: 0.92rem; color: var(--ink-600); }
.article-card .meta { margin-top: auto; padding-top: 0.6rem; font-size: 0.8rem; color: var(--ink-500); display: flex; gap: 0.8rem; }

.feature-card { padding: 1.8rem; }
.feature-card .icon { width: 44px; height: 44px; border-radius: 12px; background: var(--green-100); color: var(--green-700); display: flex; align-items: center; justify-content: center; margin-bottom: 1.1rem; }
.feature-card .icon svg { width: 22px; height: 22px; }
.feature-card h3 { font-size: 1.1rem; margin-bottom: 0.5rem; }
.feature-card p { font-size: 0.94rem; color: var(--ink-600); }

/* Glass variant for home marketing sections */
.glass-card {
  background: rgba(255,255,255,0.62); backdrop-filter: blur(18px) saturate(180%); -webkit-backdrop-filter: blur(18px) saturate(180%);
  border: 1px solid rgba(255,255,255,0.7);
}
@supports not (backdrop-filter: blur(1px)) { .glass-card { background: rgba(255,255,255,0.94); } }

/* Tool card */
.tool-card { padding: 1.7rem; display: flex; flex-direction: column; gap: 0.8rem; }
.tool-card .tool-badge { align-self: flex-start; font-family: var(--mono); font-size: 0.7rem; padding: 0.25rem 0.6rem; border-radius: 6px; background: var(--gold-100); color: var(--gold-600); text-transform: uppercase; letter-spacing: .04em; }

/* =============================================================
   9. Marquee / trust strip
   ============================================================= */
.trust-strip { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding-block: 1.4rem; overflow: hidden; }
.trust-track { display: flex; gap: 3.5rem; white-space: nowrap; width: max-content; animation: marquee 26s linear infinite; }
.trust-track span { font-family: var(--display); font-weight: 650; font-size: 1rem; color: var(--ink-400); letter-spacing: 0.02em; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* Stats */
.stats-row { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.6rem; }
@media (min-width: 720px) { .stats-row { grid-template-columns: repeat(4,1fr); } }
.stat { text-align: center; }
.stat .num { font-family: var(--display); font-size: clamp(1.9rem, 3.4vw, 2.6rem); font-weight: 700; color: var(--navy-900); }
.stat .label { margin-top: 0.4rem; font-size: 0.88rem; color: var(--ink-500); }

/* =============================================================
   10. FAQ Accordion
   ============================================================= */
.accordion { border-top: 1px solid var(--border); }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-trigger {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 1.25rem 0.2rem; text-align: left; font-family: var(--display); font-weight: 600; font-size: 1.02rem; color: var(--ink-900);
}
.accordion-trigger .plus { flex-shrink: 0; width: 24px; height: 24px; position: relative; }
.accordion-trigger .plus::before, .accordion-trigger .plus::after { content: ""; position: absolute; background: var(--ink-900); border-radius: 2px; transition: transform .3s var(--ease-out); }
.accordion-trigger .plus::before { top: 50%; left: 0; width: 100%; height: 2px; transform: translateY(-50%); }
.accordion-trigger .plus::after { left: 50%; top: 0; height: 100%; width: 2px; transform: translateX(-50%); }
.accordion-item.is-open .plus::after { transform: translateX(-50%) rotate(90deg); opacity: 0; }
.accordion-panel { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease-out); }
.accordion-panel-inner { padding: 0 0.2rem 1.4rem; color: var(--ink-600); font-size: 0.98rem; max-width: 68ch; }
.accordion-item.is-open .accordion-panel { max-height: 600px; }

/* =============================================================
   11. Table of contents
   ============================================================= */
.toc { border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.3rem 1.4rem; background: var(--bg-soft); }
.toc-title { font-family: var(--mono); font-size: 0.76rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-500); margin-bottom: 0.8rem; }
.toc ol { list-style: none; padding: 0; counter-reset: toc; }
.toc li { counter-increment: toc; margin-bottom: 0.55rem; font-size: 0.92rem; }
.toc a { color: var(--ink-700); display: flex; gap: 0.55rem; }
.toc a::before { content: counter(toc) "."; color: var(--accent); font-weight: 600; flex-shrink: 0; }
.toc a:hover { color: var(--accent); }
.toc a.is-active { color: var(--accent); font-weight: 600; }

/* Reading progress bar */
.reading-progress { position: fixed; top: 0; left: 0; height: 3px; width: 0%; background: linear-gradient(90deg, var(--blue-600), var(--green-600)); z-index: 800; transition: width .1s linear; }

/* Sidebar layout for articles */
.article-layout { display: grid; gap: 2.5rem; }
@media (min-width: 1024px) { .article-layout { grid-template-columns: 1fr 300px; align-items: start; } }
.article-sidebar { position: sticky; top: calc(var(--nav-h) + 20px); display: flex; flex-direction: column; gap: 1.4rem; }

/* Share buttons */
.share-row { display: flex; gap: 0.6rem; flex-wrap: wrap; }
.share-btn { width: 40px; height: 40px; border-radius: 50%; border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; transition: all .25s var(--ease-out); }
.share-btn svg { width: 17px; height: 17px; }
.share-btn:hover { background: var(--navy-900); border-color: var(--navy-900); color: #fff; transform: translateY(-2px); }

/* Author box */
.author-box { display: flex; gap: 1.1rem; padding: 1.4rem; border: 1px solid var(--border); border-radius: var(--radius-md); background: var(--bg-soft); align-items: flex-start; }
.author-box img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.author-box h4 { font-size: 1rem; margin-bottom: 0.2rem; }
.author-box p { font-size: 0.9rem; color: var(--ink-600); }

/* Rating widget */
.rating-widget { text-align: center; padding: 2.2rem; border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--bg-soft); }
.rating-widget h3 { font-size: 1.2rem; margin-bottom: 1rem; }
.rating-stars { display: inline-flex; gap: 0.35rem; }
.rating-stars button { font-size: 1.9rem; line-height: 1; color: var(--border-strong); transition: transform .15s var(--ease-out), color .15s; }
.rating-stars button:hover, .rating-stars button.is-hover, .rating-stars button.is-selected { color: var(--gold-600); transform: scale(1.12); }
.rating-thanks { margin-top: 1rem; font-size: 0.94rem; color: var(--green-700); font-weight: 600; display: none; }
.rating-thanks.is-visible { display: block; }

/* =============================================================
   12. Forms
   ============================================================= */
.form-field { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1.1rem; }
.form-field label { font-size: 0.88rem; font-weight: 600; color: var(--ink-700); }
.form-field input, .form-field textarea, .form-field select {
  padding: 0.8rem 1rem; border: 1px solid var(--border-strong); border-radius: var(--radius-sm);
  font: inherit; font-size: 0.98rem; color: var(--ink-900); background: #fff;
  transition: border-color .2s var(--ease-out), box-shadow .2s var(--ease-out);
}
.form-field input:focus, .form-field textarea:focus, .form-field select:focus { border-color: var(--accent); box-shadow: 0 0 0 3px var(--blue-50); outline: none; }
.form-note { font-size: 0.8rem; color: var(--ink-500); margin-top: 0.7rem; }
.form-success { display: none; align-items: center; gap: 0.7rem; padding: 1rem 1.2rem; border-radius: var(--radius-md); background: var(--green-100); color: var(--green-700); font-weight: 600; font-size: 0.94rem; }
.form-success.is-visible { display: flex; }

.newsletter-box { background: var(--navy-900); border-radius: var(--radius-lg); padding: clamp(2rem, 5vw, 3.2rem); color: #fff; display: grid; gap: 2rem; }
@media (min-width: 860px) { .newsletter-box { grid-template-columns: 1fr auto; align-items: center; } }
.newsletter-box h2 { color: #fff; font-size: 1.7rem; }
.newsletter-box p { color: rgba(255,255,255,0.7); margin-top: 0.6rem; }
.newsletter-form { display: flex; flex-wrap: wrap; gap: 0.7rem; min-width: 320px; }
.newsletter-form input { flex: 1; min-width: 200px; padding: 0.85rem 1.1rem; border-radius: 999px; border: 1px solid rgba(255,255,255,0.25); background: rgba(255,255,255,0.08); color: #fff; font: inherit; }
.newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input:focus { outline: none; border-color: #fff; }

/* =============================================================
   13. Testimonials (clearly labeled demo content)
   ============================================================= */
.demo-flag { display: inline-flex; align-items: center; gap: 0.4rem; font-size: 0.72rem; font-family: var(--mono); text-transform: uppercase; letter-spacing: 0.04em; color: var(--ink-500); background: var(--bg-soft-2); border: 1px dashed var(--border-strong); padding: 0.3rem 0.6rem; border-radius: 6px; margin-bottom: 1.4rem; }
.testimonial-card { padding: 1.8rem; display: flex; flex-direction: column; gap: 1.1rem; }
.testimonial-card .stars { color: var(--gold-600); font-size: 0.95rem; letter-spacing: 2px; }
.testimonial-card p.quote { font-size: 1.02rem; color: var(--ink-800, var(--ink-700)); }
.testimonial-who { display: flex; align-items: center; gap: 0.75rem; margin-top: auto; }
.testimonial-who img { width: 42px; height: 42px; border-radius: 50%; object-fit: cover; }
.testimonial-who strong { display: block; font-size: 0.92rem; color: var(--ink-900); }
.testimonial-who span { font-size: 0.82rem; color: var(--ink-500); }

/* =============================================================
   14. Calculators
   ============================================================= */
.calc-card { border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(1.5rem, 4vw, 2.4rem); background: #fff; box-shadow: var(--shadow-sm); }
.calc-grid { display: grid; gap: 1.8rem; }
@media (min-width: 860px) { .calc-grid { grid-template-columns: 1fr 1fr; } }
.calc-result { background: var(--navy-900); color: #fff; border-radius: var(--radius-md); padding: 1.6rem; }
.calc-result .r-label { font-size: 0.85rem; color: rgba(255,255,255,0.65); }
.calc-result .r-value { font-family: var(--display); font-size: 2.2rem; font-weight: 700; margin-top: 0.3rem; }
.calc-result .r-row { display: flex; justify-content: space-between; padding-block: 0.6rem; border-bottom: 1px solid rgba(255,255,255,0.14); font-size: 0.92rem; }
.calc-result .r-row:last-child { border-bottom: 0; }
.range-row { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--ink-500); margin-top: 0.3rem; }
input[type="range"] { width: 100%; accent-color: var(--accent); }

/* =============================================================
   15. Footer
   ============================================================= */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,0.65); padding-top: clamp(3rem, 6vw, 5rem); }
.footer-top { display: grid; gap: 2.6rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
@media (min-width: 860px) { .footer-top { grid-template-columns: 1.3fr repeat(4, 1fr); } }
.footer-brand .brand { color: #fff; }
.footer-brand p { margin-top: 1rem; font-size: 0.92rem; max-width: 34ch; color: rgba(255,255,255,0.55); }
.footer-col h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 1.1rem; font-family: var(--mono); font-weight: 500; }
.footer-col ul li { margin-bottom: 0.7rem; }
.footer-col a { font-size: 0.92rem; color: rgba(255,255,255,0.6); }
.footer-col a:hover { color: #fff; }
.footer-social { display: flex; gap: 0.7rem; margin-top: 1.3rem; }
.footer-social a { width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.18); display: flex; align-items: center; justify-content: center; }
.footer-social a:hover { background: rgba(255,255,255,0.1); }
.footer-social svg { width: 15px; height: 15px; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: center; padding-block: 1.6rem; font-size: 0.82rem; }
.footer-legal-links { display: flex; flex-wrap: wrap; gap: 1.1rem; }
.footer-legal-links a { color: rgba(255,255,255,0.55); }
.footer-legal-links a:hover { color: #fff; }
.footer-disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.4); padding-bottom: 1.6rem; max-width: 90ch; line-height: 1.6; }

/* =============================================================
   16. CTA band
   ============================================================= */
.cta-band { background: linear-gradient(135deg, var(--navy-900), var(--navy-700)); border-radius: var(--radius-lg); padding: clamp(2.4rem, 6vw, 4rem); text-align: center; color: #fff; position: relative; overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; inset: -40% -10% auto -10%; height: 160%;
  background: radial-gradient(40% 60% at 50% 0%, rgba(41,85,245,0.35), transparent 70%);
  filter: blur(10px);
}
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3.4vw, 2.3rem); position: relative; }
.cta-band p { color: rgba(255,255,255,0.7); margin-top: 0.8rem; position: relative; max-width: 52ch; margin-inline: auto; }
.cta-band .hero-ctas { justify-content: center; position: relative; }

/* =============================================================
   17. Badges / pills
   ============================================================= */
.pill { display: inline-flex; align-items: center; gap: 0.35rem; padding: 0.3rem 0.7rem; border-radius: 999px; font-size: 0.78rem; font-weight: 600; }
.pill-blue { background: var(--blue-50); color: var(--blue-700); }
.pill-green { background: var(--green-100); color: var(--green-700); }
.pill-gold { background: var(--gold-100); color: var(--gold-600); }

/* =============================================================
   17b. Checklist
   ============================================================= */
.checklist { border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.checklist li { display: flex; align-items: flex-start; gap: 0.9rem; padding: 1rem 1.2rem; border-bottom: 1px solid var(--border); background: #fff; }
.checklist li:last-child { border-bottom: 0; }
.checklist input[type="checkbox"] { width: 20px; height: 20px; margin-top: 0.15rem; accent-color: var(--accent-2); flex-shrink: 0; }
.checklist label { font-size: 0.98rem; color: var(--ink-700); cursor: pointer; }
.checklist input:checked + label { color: var(--ink-500); text-decoration: line-through; text-decoration-color: var(--border-strong); }

/* =============================================================
   18. Related / pagination
   ============================================================= */
.related-grid { margin-top: 1rem; }
.pagination { display: flex; justify-content: center; gap: 0.5rem; margin-top: 2.5rem; }
.pagination a, .pagination span { width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 10px; border: 1px solid var(--border); font-weight: 600; font-size: 0.9rem; }
.pagination a:hover { background: var(--bg-soft); }
.pagination .is-current { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }

/* =============================================================
   19. Cursor tilt (subtle, hover-capable devices only)
   ============================================================= */
@media (hover: hover) and (pointer: fine) {
  [data-tilt] { transition: transform .25s var(--ease-out); will-change: transform; }
}

/* =============================================================
   20. 404
   ============================================================= */
.error-page { min-height: 60vh; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding-block: 5rem; }
.error-page .code { font-family: var(--display); font-size: clamp(4rem, 12vw, 8rem); font-weight: 700; color: var(--blue-100); line-height: 1; }

/* =============================================================
   21. Responsive helpers
   ============================================================= */
@media (max-width: 959px) {
  .hero-ctas .btn { width: 100%; }
  .hero-ctas { flex-direction: column; }
}

/* =============================================================
   22. Reduced motion — ONLY intrusive effects
   ============================================================= */
@media (prefers-reduced-motion: reduce) {
  .hero-mesh { animation: none; }
  .trust-track { animation: none; }
  .cta-band::before { display: none; }
}