/* =============================================================
   === medicare-101.html ===
   ============================================================= */

/* ============================================
   TOKENS
   ============================================ */
:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --navy-light:  #1E3A6E;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --supplement-color: #1A4A7A;
  --mapd-color:       #7A3A0A;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

/* ============================================
   RESET & BASE
   ============================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.75;
  color: var(--text-primary);
  background: var(--white);
  overflow-x: hidden;
}

.skip-link {
  position: absolute; top: -100px; left: 16px;
  background: var(--gold); color: var(--navy-deep);
  font-weight: 700; font-size: 14px;
  padding: 12px 20px; border-radius: var(--radius);
  text-decoration: none; z-index: 9999;
  transition: top 0.2s;
}
.skip-link:focus { top: 16px; }

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

h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.15;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.5rem, 4vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem, 3vw, 1.5rem); font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.8; color: var(--text-secondary); margin-bottom: 1.1rem; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }

strong { font-weight: 700; color: var(--text-primary); }

/* ============================================
   LAYOUT
   ============================================ */
.container {
  width: 100%;
  max-width: 800px; /* Narrower for reading — optimal line length */
  margin: 0 auto;
  padding: 0 24px;
}

.container-wide {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

@media (min-width: 768px) {
  .container { padding: 0 40px; }
  .container-wide { padding: 0 40px; }
}

.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;
}

/* ============================================
   NAV (same as homepage)
   ============================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 200;
  background: rgba(8,15,30,0.97);
  border-bottom: 1px solid rgba(232,201,122,0.15);
  backdrop-filter: blur(16px);
}

.site-header__inner {
  display: flex; align-items: center;
  justify-content: space-between;
  height: 68px; padding: 0 24px;
  max-width: 1200px; margin: 0 auto;
}

.nav-logo {
  display: flex; align-items: center;
  gap: 12px; text-decoration: none;
  min-height: var(--tap-min);
}

.nav-logo-badge {
  width: 38px; height: 38px;
  background: var(--navy-mid);
  border: 1px solid rgba(232,201,122,0.35);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 900;
  font-size: 1.1rem; color: var(--gold-light);
}

.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }

.nav-toggle {
  display: flex; flex-direction: column;
  justify-content: center; gap: 5px;
  width: var(--tap-min); height: var(--tap-min);
  background: none; border: none; cursor: pointer;
  padding: 8px; border-radius: var(--radius);
}
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }

@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; min-height: var(--tap-min); padding: 12px 26px;
  font-family: var(--font-body); font-weight: 700; font-size: 0.82rem;
  letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none;
  border-radius: var(--radius); border: 2px solid transparent;
  cursor: pointer; transition: background 0.2s, color 0.2s, border-color 0.2s;
}
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; border-color: #9A7520; color: var(--white); }
.btn-outline-light { background: transparent; color: var(--gold-pale); border-color: rgba(232,201,122,0.4); }
.btn-outline-light:hover { background: rgba(232,201,122,0.08); border-color: var(--gold-light); }

/* ============================================
   PAGE HERO
   ============================================ */
.page-hero {
  background: var(--navy-deep);
  padding: 120px 0 64px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

.page-hero-inner {
  position: relative; z-index: 1;
}

.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.2em; text-transform: uppercase;
  margin-bottom: 24px;
}

.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: rgba(232,201,122,0.3); }
.breadcrumb-current { color: rgba(245,230,192,0.45); }

.page-hero h1 { color: var(--white); margin-bottom: 20px; }
.page-hero h1 em { font-style: italic; color: var(--gold-light); }

.page-hero-deck {
  font-size: 1.1rem;
  line-height: 1.75;
  color: var(--text-on-dark-muted);
  max-width: 600px;
  margin-bottom: 32px;
}

.hero-meta {
  display: flex; flex-wrap: wrap; gap: 20px;
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: rgba(232,201,122,0.4);
}

/* ============================================
   TABLE OF CONTENTS
   ============================================ */
.toc {
  background: var(--cream);
  border: 1px solid var(--cream-mid);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 28px 32px;
  margin: 48px 0;
}

.toc-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 16px;
  display: flex; align-items: center; gap: 10px;
}

.toc-list {
  list-style: none; padding: 0;
  display: flex; flex-direction: column; gap: 4px;
}

.toc-list li { margin: 0; }

.toc-list a {
  display: flex; align-items: center;
  min-height: var(--tap-min);
  gap: 12px;
  font-size: 0.9rem; font-weight: 400;
  color: var(--text-secondary);
  text-decoration: none;
  padding: 6px 0;
  border-bottom: 1px solid transparent;
  transition: color 0.2s;
}

.toc-list a:hover { color: var(--gold); }

.toc-num {
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--gold);
  flex-shrink: 0;
  width: 24px;
}

/* ============================================
   ARTICLE BODY
   ============================================ */
.article {
  padding: 0 0 80px;
}

.article-section {
  padding: 64px 0 0;
  scroll-margin-top: 88px; /* nav offset */
}

.section-label {
  display: block;
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.4em; text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-rule {
  display: block;
  width: 40px; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin-bottom: 20px;
}

.article-section h2 { margin-bottom: 20px; }
.article-section h3 { margin-top: 40px; margin-bottom: 12px; color: var(--navy); }

/* ============================================
   CALLOUT BOXES
   ============================================ */

/* Key insight — gold */
.callout {
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 32px 0;
}

.callout-insight {
  background: #FDF6E3;
  border-left: 4px solid var(--gold);
}

.callout-insight .callout-label {
  font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 8px; display: block;
}

.callout-insight p { color: var(--text-secondary); margin: 0; font-size: 0.95rem; }

/* Warning — red-adjacent */
.callout-warning {
  background: #FDF0EC;
  border-left: 4px solid #B84A2A;
}

.callout-warning .callout-label {
  font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em;
  text-transform: uppercase; color: #B84A2A;
  margin-bottom: 8px; display: block;
}

.callout-warning p { color: var(--text-secondary); margin: 0; font-size: 0.95rem; }

/* Myth buster — navy */
.callout-myth {
  background: #EEF2F8;
  border-left: 4px solid var(--navy);
}

.callout-myth .callout-label {
  font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em;
  text-transform: uppercase; color: var(--navy);
  margin-bottom: 8px; display: block;
}

.callout-myth p { color: var(--text-secondary); margin: 0; font-size: 0.95rem; }

/* Quote / metaphor */
.callout-quote {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 32px 28px;
  margin: 40px 0;
}

.callout-quote blockquote {
  font-family: var(--font-display);
  font-weight: 700; font-style: italic;
  font-size: clamp(1.2rem, 3vw, 1.55rem);
  color: var(--gold-light);
  line-height: 1.4;
  margin-bottom: 12px;
}

.callout-quote cite {
  font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: rgba(232,201,122,0.45);
  font-style: normal;
}

/* ============================================
   THE TWO ROADS — Visual comparison
   ============================================ */
.two-roads {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 40px 0;
}

@media (min-width: 640px) {
  .two-roads { grid-template-columns: 1fr 1fr; }
}

.road-card {
  border-radius: var(--radius);
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
}

.road-supplement {
  background: #EBF1F8;
  border: 2px solid #1A4A7A;
}

.road-mapd {
  background: #FBF3EC;
  border: 2px solid #7A3A0A;
}

.road-badge {
  display: inline-block;
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.3em; text-transform: uppercase;
  padding: 4px 12px; border-radius: 2px;
  margin-bottom: 16px;
}

.road-supplement .road-badge { background: #1A4A7A; color: #fff; }
.road-mapd .road-badge { background: #7A3A0A; color: #fff; }

.road-card h3 {
  font-size: 1.15rem;
  margin-top: 0; margin-bottom: 16px;
}

.road-supplement h3 { color: #1A4A7A; }
.road-mapd h3 { color: #7A3A0A; }

.road-list {
  list-style: none; padding: 0;
  display: flex; flex-direction: column; gap: 10px;
}

.road-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 0.92rem; color: var(--text-secondary);
  line-height: 1.45; margin: 0;
}

.road-check {
  width: 20px; height: 20px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 1px;
}

.road-supplement .road-check { background: #1A4A7A; }
.road-mapd .road-check { background: #7A3A0A; }

.road-bottom {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(0,0,0,0.08);
}

.road-bottom-label {
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.25em; text-transform: uppercase;
  margin-bottom: 6px; display: block;
}

.road-supplement .road-bottom-label { color: #1A4A7A; }
.road-mapd .road-bottom-label { color: #7A3A0A; }

.road-bottom p { font-size: 0.88rem; color: var(--text-muted); margin: 0; }

/* ============================================
   PART D TIERS TABLE — accessible, mobile
   ============================================ */
.tier-grid {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 32px 0;
}

.tier-row {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 16px;
  align-items: start;
  padding: 16px 20px;
  background: var(--cream);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  border-left: 4px solid var(--gold);
}

.tier-badge {
  font-family: var(--font-display);
  font-weight: 900; font-size: 0.95rem;
  color: var(--navy);
  line-height: 1.2;
}

.tier-badge span {
  display: block;
  font-family: var(--font-body);
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--gold);
  margin-top: 2px;
}

.tier-desc h4 { font-size: 0.95rem; margin-bottom: 4px; }
.tier-desc p { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* ============================================
   STAT HIGHLIGHT
   ============================================ */
.stat-highlight {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin: 32px 0;
}

.stat-box {
  flex: 1;
  min-width: 140px;
  background: var(--navy);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
}

.stat-box-num {
  font-family: var(--font-display);
  font-weight: 900; font-size: 2rem;
  color: var(--gold-light); line-height: 1;
  margin-bottom: 6px;
}

.stat-box-label {
  font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--text-on-dark-muted); line-height: 1.4;
}

/* ============================================
   DIVIDER
   ============================================ */
.article-divider {
  border: none;
  border-top: 1px solid var(--cream-mid);
  margin: 48px 0 0;
}

/* ============================================
   NEXT STEPS / NEWSLETTER
   ============================================ */
.next-steps {
  background: var(--navy-deep);
  padding: 64px 0;
  margin-top: 80px;
}

.next-steps h2 { color: var(--gold-pale); margin-bottom: 16px; }
.next-steps p { color: var(--text-on-dark-muted); margin-bottom: 28px; }

.next-steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: 40px;
}

@media (min-width: 640px) {
  .next-steps-grid { grid-template-columns: 1fr 1fr; }
}

.next-card {
  display: block; text-decoration: none;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(232,201,122,0.15);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: border-color 0.2s, background 0.2s;
}

.next-card:hover, .next-card:focus-visible {
  border-color: rgba(232,201,122,0.35);
  background: rgba(255,255,255,0.06);
  text-decoration: none;
}

.next-card-label {
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.35em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 10px; display: block;
}

.next-card h3 {
  font-size: 1.05rem; color: var(--gold-pale);
  margin-bottom: 8px; line-height: 1.3;
}

.next-card p {
  font-size: 0.88rem; color: var(--text-on-dark-muted); margin: 0;
}

/* Newsletter inline */
.nl-form {
  display: flex; flex-direction: column; gap: 12px;
  max-width: 480px;
}

@media (min-width: 600px) {
  .nl-form { flex-direction: row; gap: 0; }
  .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; }
  .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; }
}

input[type="email"] {
  min-height: var(--tap-min); padding: 12px 18px;
  font-family: var(--font-body); font-size: 1rem;
  background: rgba(255,255,255,0.07);
  border: 2px solid rgba(232,201,122,0.25);
  border-radius: var(--radius);
  color: var(--text-on-dark);
  outline: none; transition: border-color 0.2s;
  -webkit-appearance: none;
}
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }

.form-fine {
  font-size: 0.72rem;
  color: rgba(201,168,74,0.4);
  line-height: 1.5; margin-top: 4px;
}

/* ============================================
   FOOTER (simplified)
   ============================================ */
.site-footer {
  background: var(--navy-deep);
  border-top: 1px solid rgba(232,201,122,0.1);
  padding: 40px 0;
}

.footer-inner {
  display: flex; flex-direction: column; gap: 16px;
}

@media (min-width: 640px) {
  .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; }
}

.footer-brand {
  font-family: var(--font-display); font-weight: 900;
  font-size: 1rem; color: var(--gold-pale);
}

.footer-links-row {
  display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0;
}

.footer-links-row a {
  display: inline-flex; align-items: center;
  min-height: var(--tap-min); padding: 4px 12px;
  font-size: 0.8rem; color: rgba(245,230,192,0.4);
  text-decoration: none; transition: color 0.2s;
}
.footer-links-row a:hover { color: var(--gold-light); }

.footer-disclaimer {
  font-size: 0.7rem; color: rgba(245,230,192,0.18);
  line-height: 1.55; margin-top: 16px;
}



/* =============================================================
   === about.html ===
   ============================================================= */

:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --navy-light:  #1E3A6E;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --warn:    #B84A2A;
  --warn-bg: #FDF0EC;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); font-size: 1rem; line-height: 1.75; color: var(--text-primary); background: var(--white); overflow-x: hidden; }

.skip-link { position: absolute; top: -100px; left: 16px; background: var(--gold); color: var(--navy-deep); font-weight: 700; font-size: 14px; padding: 12px 20px; border-radius: var(--radius); text-decoration: none; z-index: 9999; transition: top 0.2s; }
.skip-link:focus { top: 16px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

h1,h2,h3,h4 { font-family: var(--font-display); line-height: 1.15; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.4rem, 4vw, 2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 3vw, 1.4rem); font-weight: 700; }

p { font-size: 1rem; line-height: 1.85; color: var(--text-secondary); margin-bottom: 1.2rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }
strong { font-weight: 700; color: var(--text-primary); }
em { font-style: italic; }

.container { width: 100%; max-width: 760px; margin: 0 auto; padding: 0 24px; }
.container-wide { width: 100%; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .container { padding: 0 40px; } .container-wide { padding: 0 40px; } }
.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; }

/* ── NAV ── */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 200; background: rgba(8,15,30,0.97); border-bottom: 1px solid rgba(232,201,122,0.15); backdrop-filter: blur(16px); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; padding: 0 24px; max-width: 1200px; margin: 0 auto; }
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; min-height: var(--tap-min); }
.nav-logo-badge { width: 38px; height: 38px; background: var(--navy-mid); border: 1px solid rgba(232,201,122,0.35); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1.1rem; color: var(--gold-light); }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }
.nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: var(--tap-min); height: var(--tap-min); background: none; border: none; cursor: pointer; padding: 8px; border-radius: var(--radius); }
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--tap-min); padding: 12px 26px; font-family: var(--font-body); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; color: var(--white); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* ── HERO ── */
.about-hero {
  background: var(--navy-deep);
  padding: 130px 0 80px;
  position: relative;
  overflow: hidden;
}

.about-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

/* Large decorative quote mark */
.about-hero::after {
  content: '"';
  position: absolute;
  bottom: -60px;
  right: -20px;
  font-family: var(--font-display);
  font-size: 28rem;
  font-weight: 900;
  color: rgba(184,148,58,0.04);
  line-height: 1;
  pointer-events: none;
}

.about-hero-inner {
  position: relative;
  z-index: 1;
}

.about-eyebrow {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.45em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: block;
}

.about-hero h1 {
  color: var(--white);
  margin-bottom: 28px;
  max-width: 640px;
}

.about-hero h1 em {
  color: var(--gold-light);
  font-style: italic;
}

.about-hero-intro {
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--text-on-dark-muted);
  max-width: 580px;
  margin-bottom: 36px;
}

/* Quick facts strip */
.about-facts {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 8px;
}

.about-fact {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(232,201,122,0.15);
  border-radius: var(--radius);
  padding: 10px 16px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-on-dark-muted);
  letter-spacing: 0.05em;
}

.about-fact-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ── ARTICLE BODY ── */
.about-body {
  padding: 80px 0 100px;
}

/* Pull quote / large statements */
.pull-quote {
  border-left: 4px solid var(--gold);
  padding: 4px 0 4px 28px;
  margin: 44px 0;
}

.pull-quote p {
  font-family: var(--font-display);
  font-weight: 700;
  font-style: italic;
  font-size: clamp(1.2rem, 3.5vw, 1.65rem);
  color: var(--navy);
  line-height: 1.4;
  margin: 0;
}

/* Section dividers */
.about-divider {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 56px 0 44px;
}

.about-divider-line {
  flex: 1;
  height: 1px;
  background: var(--cream-mid);
}

.about-divider-mark {
  width: 8px;
  height: 8px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

/* Callouts */
.callout {
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 36px 0;
}

.callout-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  margin-bottom: 10px;
  display: block;
}

.callout p { font-size: 0.95rem; margin: 0; }
.callout p + p { margin-top: 10px; }

.callout-insight { background: #FDF6E3; border-left: 4px solid var(--gold); }
.callout-insight .callout-label { color: var(--gold); }
.callout-warning { background: var(--warn-bg); border-left: 4px solid var(--warn); }
.callout-warning .callout-label { color: var(--warn); }

/* Mission statement block */
.mission-block {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 48px 40px;
  margin: 48px 0;
  position: relative;
  overflow: hidden;
}

.mission-block::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 200px; height: 200px;
  background: radial-gradient(circle at top right, rgba(184,148,58,0.12), transparent 70%);
  pointer-events: none;
}

.mission-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.45em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: block;
}

.mission-block h2 {
  color: var(--gold-pale);
  font-size: clamp(1.3rem, 3.5vw, 1.9rem);
  margin-bottom: 20px;
  line-height: 1.25;
}

.mission-block p {
  color: var(--text-on-dark-muted);
  font-size: 0.95rem;
  line-height: 1.8;
  margin-bottom: 14px;
}

/* Human details strip */
.human-strip {
  background: var(--cream);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  padding: 32px;
  margin: 48px 0;
}

.human-strip-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: block;
}

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

@media (min-width: 560px) {
  .human-grid { grid-template-columns: repeat(3, 1fr); }
}

.human-item h4 {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.human-item p {
  font-size: 0.92rem;
  color: var(--text-primary);
  margin: 0;
  line-height: 1.4;
}

/* CTA section */
.about-cta {
  background: var(--navy-deep);
  padding: 72px 0;
  margin-top: 0;
}

.about-cta h2 {
  color: var(--gold-pale);
  margin-bottom: 16px;
  font-size: clamp(1.4rem, 3.5vw, 2rem);
}

.about-cta p {
  color: var(--text-on-dark-muted);
  max-width: 520px;
  margin-bottom: 32px;
}

.cta-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.btn-outline-light {
  background: transparent;
  color: var(--gold-pale);
  border: 2px solid rgba(232,201,122,0.35);
}

.btn-outline-light:hover {
  background: rgba(232,201,122,0.08);
  border-color: var(--gold-light);
  color: var(--gold-light);
  text-decoration: none;
}

/* Newsletter */
.nl-section {
  background: var(--navy-deep);
  border-top: 1px solid rgba(232,201,122,0.1);
  padding: 64px 0;
}

.nl-form { display: flex; flex-direction: column; gap: 12px; max-width: 480px; }
@media (min-width: 600px) {
  .nl-form { flex-direction: row; gap: 0; }
  .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; }
  .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; }
}
input[type="email"] { min-height: var(--tap-min); padding: 12px 18px; font-family: var(--font-body); font-size: 1rem; background: rgba(255,255,255,0.07); border: 2px solid rgba(232,201,122,0.25); border-radius: var(--radius); color: var(--text-on-dark); outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }
.form-fine { font-size: 0.72rem; color: rgba(201,168,74,0.4); line-height: 1.5; margin-top: 10px; }

/* Footer */
.site-footer { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 40px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 16px; }
@media (min-width: 640px) { .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; } }
.footer-brand { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0; }
.footer-links-row a { display: inline-flex; align-items: center; min-height: var(--tap-min); padding: 4px 12px; font-size: 0.8rem; color: rgba(245,230,192,0.4); text-decoration: none; transition: color 0.2s; }
.footer-links-row a:hover { color: var(--gold-light); }
.footer-disclaimer { font-size: 0.7rem; color: rgba(245,230,192,0.18); line-height: 1.55; margin-top: 16px; }

/* ── Eyebrow labels (moved from inline styles) ── */
.about-cta-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.nl-section-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 12px;
}

.nl-section h2 {
  color: var(--gold-pale);
  margin-bottom: 12px;
  font-size: clamp(1.3rem, 3vw, 1.9rem);
}

.nl-section .nl-intro {
  color: var(--text-on-dark-muted);
  max-width: 500px;
  margin-bottom: 24px;
}



/* =============================================================
   === enrollment-periods.html ===
   ============================================================= */

:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --green:    #2A6A2A;
  --green-bg: #E8F4E8;
  --warn:     #B84A2A;
  --warn-bg:  #FDF0EC;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); font-size: 1rem; line-height: 1.75; color: var(--text-primary); background: var(--white); overflow-x: hidden; }

.skip-link { position: absolute; top: -100px; left: 16px; background: var(--gold); color: var(--navy-deep); font-weight: 700; font-size: 14px; padding: 12px 20px; border-radius: var(--radius); text-decoration: none; z-index: 9999; transition: top 0.2s; }
.skip-link:focus { top: 16px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

h1,h2,h3,h4 { font-family: var(--font-display); line-height: 1.15; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.5rem, 4vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 3vw, 1.45rem); font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.8; color: var(--text-secondary); margin-bottom: 1.1rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }
strong { font-weight: 700; color: var(--text-primary); }
em { font-style: italic; }
ul,ol { padding-left: 1.5rem; }
li { margin-bottom: 6px; color: var(--text-secondary); font-size: 1rem; line-height: 1.7; }

/* ── LAYOUT ── */
.container { width: 100%; max-width: 800px; margin: 0 auto; padding: 0 24px; }
.container-wide { width: 100%; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .container { padding: 0 40px; } .container-wide { padding: 0 40px; } }
.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; }

/* ── NAV ── */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 200; background: rgba(8,15,30,0.97); border-bottom: 1px solid rgba(232,201,122,0.15); backdrop-filter: blur(16px); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; padding: 0 24px; max-width: 1200px; margin: 0 auto; }
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; min-height: var(--tap-min); }
.nav-logo-badge { width: 38px; height: 38px; background: var(--navy-mid); border: 1px solid rgba(232,201,122,0.35); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1.1rem; color: var(--gold-light); }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }
.nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: var(--tap-min); height: var(--tap-min); background: none; border: none; cursor: pointer; padding: 8px; border-radius: var(--radius); }
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--tap-min); padding: 12px 26px; font-family: var(--font-body); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; border-color: #9A7520; color: var(--white); }

/* ── PAGE HERO ── */
.page-hero { background: var(--navy-deep); padding: 120px 0 64px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px); background-size: 48px 48px; pointer-events: none; }
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; margin-bottom: 24px; flex-wrap: wrap; }
.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: rgba(232,201,122,0.3); }
.breadcrumb-current { color: rgba(245,230,192,0.45); }
.page-hero h1 { color: var(--white); margin-bottom: 20px; }
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero-deck { font-size: 1.1rem; line-height: 1.75; color: var(--text-on-dark-muted); max-width: 620px; margin-bottom: 32px; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 12px 20px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.4); }

/* ── TOC ── */
.toc { background: var(--cream); border: 1px solid var(--cream-mid); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 28px 32px; margin: 48px 0; }
.toc-title { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.toc-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.toc-list li { margin: 0; }
.toc-list a { display: flex; align-items: center; min-height: 44px; gap: 12px; font-size: 0.9rem; color: var(--text-secondary); text-decoration: none; padding: 4px 0; transition: color 0.2s; }
.toc-list a:hover { color: var(--gold); }
.toc-num { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.15em; color: var(--gold); flex-shrink: 0; width: 24px; }

/* ── ARTICLE ── */
.article { padding: 0 0 80px; }
.article-section { padding: 64px 0 0; scroll-margin-top: 88px; }
.section-label { display: block; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.4em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.section-rule { display: block; width: 40px; height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); margin-bottom: 20px; }
.article-section h2 { margin-bottom: 20px; }
.article-section h3 { margin-top: 44px; margin-bottom: 14px; color: var(--navy); }
.article-divider { border: none; border-top: 1px solid var(--cream-mid); margin: 48px 0 0; }

/* ── CALLOUTS ── */
.callout { border-radius: var(--radius); padding: 24px 28px; margin: 32px 0; }
.callout-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 10px; display: block; }
.callout p { margin: 0; font-size: 0.95rem; color: var(--text-secondary); }
.callout p + p { margin-top: 10px; }
.callout-insight { background: #FDF6E3; border-left: 4px solid var(--gold); }
.callout-insight .callout-label { color: var(--gold); }
.callout-warning { background: var(--warn-bg); border-left: 4px solid var(--warn); }
.callout-warning .callout-label { color: var(--warn); }
.callout-myth { background: #EEF2F8; border-left: 4px solid var(--navy); }
.callout-myth .callout-label { color: var(--navy); }
.callout-quote { background: var(--navy); border-radius: var(--radius); padding: 32px 28px; margin: 40px 0; }
.callout-quote blockquote { font-family: var(--font-display); font-weight: 700; font-style: italic; font-size: clamp(1.1rem, 3vw, 1.5rem); color: var(--gold-light); line-height: 1.4; margin-bottom: 12px; }
.callout-quote cite { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.45); font-style: normal; }

/* ── PERIOD CARDS ── */
.period-card {
  border-radius: var(--radius);
  border: 1px solid var(--cream-mid);
  overflow: hidden;
  margin: 32px 0;
}

.period-card-header {
  display: grid;
  grid-template-columns: 80px 1fr;
}

.period-card-accent {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 24px 12px;
  text-align: center;
}

.period-card-abbr {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.3rem;
  color: #fff;
  line-height: 1;
  margin-bottom: 4px;
}

.period-card-dates {
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  line-height: 1.3;
}

.period-card-title-wrap {
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border-left: 1px solid var(--cream-mid);
}

.period-card-tag {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  margin-bottom: 6px;
  display: block;
}

.period-card-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  line-height: 1.2;
  color: var(--navy);
}

.period-card-body {
  padding: 24px 24px 28px;
  border-top: 1px solid var(--cream-mid);
}

.period-card-body p { font-size: 0.95rem; }

.period-card-body h4 {
  margin-top: 20px;
  margin-bottom: 8px;
  font-size: 0.95rem;
}

/* color themes */
.period-gold .period-card-accent { background: var(--navy); }
.period-gold .period-card-tag { color: var(--gold); }

.period-green .period-card-accent { background: var(--green); }
.period-green .period-card-tag { color: var(--green); }

.period-blue .period-card-accent { background: #1A4A7A; }
.period-blue .period-card-tag { color: #1A4A7A; }

.period-orange .period-card-accent { background: #B86A2A; }
.period-orange .period-card-tag { color: #7A4010; }

.period-red .period-card-accent { background: var(--warn); }
.period-red .period-card-tag { color: var(--warn); }

.period-gray .period-card-accent { background: #5C5C5C; }
.period-gray .period-card-tag { color: #5C5C5C; }

/* ── CAN / CANNOT GRID ── */
.can-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin: 20px 0;
}
@media (min-width: 560px) { .can-grid { grid-template-columns: 1fr 1fr; } }

.can-card { padding: 16px 18px; border-radius: var(--radius); }
.can-yes { background: var(--green-bg); border: 1px solid rgba(42,106,42,0.2); }
.can-no  { background: var(--warn-bg);  border: 1px solid rgba(184,74,42,0.2); }

.can-label { font-size: 0.62rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; margin-bottom: 8px; display: block; }
.can-yes .can-label { color: var(--green); }
.can-no  .can-label { color: var(--warn); }

.can-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 6px; }
.can-list li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.88rem; color: var(--text-secondary); line-height: 1.45; margin: 0; }
.can-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; margin-top: 6px; }
.can-yes .can-dot { background: var(--green); }
.can-no  .can-dot { background: var(--warn); }

/* ── IEP TIMELINE ── */
.iep-timeline {
  display: flex;
  flex-direction: column;
  gap: 3px;
  margin: 28px 0;
}

@media (min-width: 560px) {
  .iep-timeline {
    flex-direction: row;
    align-items: stretch;
  }
}

.iep-month {
  flex: 1;
  padding: 16px 14px;
  text-align: center;
  border-radius: 2px;
  position: relative;
}

.iep-before  { background: #EBF1F8; }
.iep-bday    { background: var(--navy); }
.iep-after   { background: #EBF1F8; }

.iep-month-label {
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 6px;
  display: block;
}
.iep-before .iep-month-label  { color: #1A4A7A; }
.iep-bday   .iep-month-label  { color: var(--gold-light); }
.iep-after  .iep-month-label  { color: #1A4A7A; }

.iep-month-desc {
  font-size: 0.82rem;
  line-height: 1.4;
}
.iep-before .iep-month-desc  { color: #1A4A7A; }
.iep-bday   .iep-month-desc  { color: var(--text-on-dark-muted); }
.iep-after  .iep-month-desc  { color: #1A4A7A; }

.iep-month-highlight {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.1rem;
  color: var(--gold-light);
  display: block;
  margin-bottom: 4px;
}

/* ── PENALTY CALC ── */
.penalty-example {
  background: var(--warn-bg);
  border: 1px solid rgba(184,74,42,0.2);
  border-radius: var(--radius);
  padding: 24px;
  margin: 24px 0;
}

.penalty-example h4 {
  color: var(--warn);
  margin-bottom: 12px;
  font-size: 0.95rem;
}

.penalty-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid rgba(184,74,42,0.12);
  font-size: 0.88rem;
  color: var(--text-secondary);
}

.penalty-row:last-child { border: none; }
.penalty-row strong { color: var(--warn); font-size: 1rem; }

/* ── SEP LIST ── */
.sep-list {
  display: flex;
  flex-direction: column;
  gap: 3px;
  margin: 28px 0;
}

.sep-item {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 0;
  border-radius: 2px;
  overflow: hidden;
}

.sep-icon {
  background: var(--navy-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  padding: 16px 8px;
}

.sep-body {
  background: var(--cream);
  padding: 14px 18px;
  border: 1px solid var(--cream-mid);
  border-left: none;
}

.sep-body h4 { font-size: 0.92rem; margin-bottom: 4px; color: var(--navy); }
.sep-body p  { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* ── REAL STORY ── */
.real-story {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 36px 28px;
  margin: 40px 0;
  position: relative;
  overflow: hidden;
}

.real-story::before {
  content: '"';
  position: absolute;
  top: -20px;
  left: 16px;
  font-family: var(--font-display);
  font-size: 10rem;
  color: rgba(232,201,122,0.06);
  line-height: 1;
  pointer-events: none;
}

.real-story-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: block;
}

.real-story p {
  color: var(--text-on-dark-muted);
  font-size: 0.95rem;
  line-height: 1.8;
  margin-bottom: 12px;
}

.real-story p:last-child { margin: 0; }
.real-story strong { color: var(--gold-pale); }

/* ── NEXT STEPS ── */
.next-steps { background: var(--navy-deep); padding: 64px 0; margin-top: 80px; }
.next-steps-grid { display: grid; grid-template-columns: 1fr; gap: 16px; margin-top: 40px; }
@media (min-width: 640px) { .next-steps-grid { grid-template-columns: 1fr 1fr; } }
.next-card { display: block; text-decoration: none; background: rgba(255,255,255,0.04); border: 1px solid rgba(232,201,122,0.15); border-radius: var(--radius); padding: 28px 24px; transition: border-color 0.2s, background 0.2s; }
.next-card:hover, .next-card:focus-visible { border-color: rgba(232,201,122,0.35); background: rgba(255,255,255,0.06); text-decoration: none; }
.next-card-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; display: block; }
.next-card h3 { font-size: 1.05rem; color: var(--gold-pale); margin-bottom: 8px; line-height: 1.3; }
.next-card p { font-size: 0.88rem; color: var(--text-on-dark-muted); margin: 0; }

.nl-form { display: flex; flex-direction: column; gap: 12px; max-width: 480px; }
@media (min-width: 600px) { .nl-form { flex-direction: row; gap: 0; } .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; } .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; } }
input[type="email"] { min-height: var(--tap-min); padding: 12px 18px; font-family: var(--font-body); font-size: 1rem; background: rgba(255,255,255,0.07); border: 2px solid rgba(232,201,122,0.25); border-radius: var(--radius); color: var(--text-on-dark); outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }
.form-fine { font-size: 0.72rem; color: rgba(201,168,74,0.4); line-height: 1.5; }

.site-footer { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 40px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 16px; }
@media (min-width: 640px) { .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; } }
.footer-brand { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0; }
.footer-links-row a { display: inline-flex; align-items: center; min-height: var(--tap-min); padding: 4px 12px; font-size: 0.8rem; color: rgba(245,230,192,0.4); text-decoration: none; transition: color 0.2s; }
.footer-links-row a:hover { color: var(--gold-light); }
.footer-disclaimer { font-size: 0.7rem; color: rgba(245,230,192,0.18); line-height: 1.55; margin-top: 16px; }



/* =============================================================
   === medigap-vs-mapd.html ===
   ============================================================= */

:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --supp:  #1A4A7A;
  --supp-bg: #EBF1F8;
  --mapd:  #7A3A0A;
  --mapd-bg: #FBF3EC;
  --warn:  #B84A2A;
  --warn-bg: #FDF0EC;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); font-size: 1rem; line-height: 1.75; color: var(--text-primary); background: var(--white); overflow-x: hidden; }

.skip-link { position: absolute; top: -100px; left: 16px; background: var(--gold); color: var(--navy-deep); font-weight: 700; font-size: 14px; padding: 12px 20px; border-radius: var(--radius); text-decoration: none; z-index: 9999; transition: top 0.2s; }
.skip-link:focus { top: 16px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.15; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.5rem, 4vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 3vw, 1.45rem); font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.8; color: var(--text-secondary); margin-bottom: 1.1rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }
strong { font-weight: 700; color: var(--text-primary); }
em { font-style: italic; }

ul, ol { padding-left: 1.5rem; }
li { margin-bottom: 6px; color: var(--text-secondary); font-size: 1rem; line-height: 1.7; }

/* ── LAYOUT ── */
.container { width: 100%; max-width: 800px; margin: 0 auto; padding: 0 24px; }
.container-wide { width: 100%; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .container { padding: 0 40px; } .container-wide { padding: 0 40px; } }
.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; }

/* ── NAV ── */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 200; background: rgba(8,15,30,0.97); border-bottom: 1px solid rgba(232,201,122,0.15); backdrop-filter: blur(16px); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; padding: 0 24px; max-width: 1200px; margin: 0 auto; }
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; min-height: var(--tap-min); }
.nav-logo-badge { width: 38px; height: 38px; background: var(--navy-mid); border: 1px solid rgba(232,201,122,0.35); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1.1rem; color: var(--gold-light); }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }
.nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: var(--tap-min); height: var(--tap-min); background: none; border: none; cursor: pointer; padding: 8px; border-radius: var(--radius); }
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

/* ── BUTTONS ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--tap-min); padding: 12px 26px; font-family: var(--font-body); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s, border-color 0.2s; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; border-color: #9A7520; color: var(--white); }
.btn-outline-light { background: transparent; color: var(--gold-pale); border-color: rgba(232,201,122,0.4); }
.btn-outline-light:hover { background: rgba(232,201,122,0.08); border-color: var(--gold-light); }

/* ── PAGE HERO ── */
.page-hero { background: var(--navy-deep); padding: 120px 0 64px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px); background-size: 48px 48px; pointer-events: none; }
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; margin-bottom: 24px; flex-wrap: wrap; }
.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: rgba(232,201,122,0.3); }
.breadcrumb-current { color: rgba(245,230,192,0.45); }
.page-hero h1 { color: var(--white); margin-bottom: 20px; }
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero-deck { font-size: 1.1rem; line-height: 1.75; color: var(--text-on-dark-muted); max-width: 620px; margin-bottom: 32px; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 12px 20px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.4); }

/* Hero verdict badges */
.hero-verdicts { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.verdict-badge { display: flex; align-items: center; gap: 10px; padding: 12px 20px; border-radius: var(--radius); font-size: 0.82rem; font-weight: 700; }
.verdict-supp { background: rgba(26,74,122,0.3); border: 1px solid rgba(26,74,122,0.5); color: #A8C8F0; }
.verdict-mapd { background: rgba(122,58,10,0.3); border: 1px solid rgba(122,58,10,0.5); color: #F0C8A0; }

/* ── TOC ── */
.toc { background: var(--cream); border: 1px solid var(--cream-mid); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 28px 32px; margin: 48px 0; }
.toc-title { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.toc-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.toc-list li { margin: 0; }
.toc-list a { display: flex; align-items: center; min-height: 44px; gap: 12px; font-size: 0.9rem; color: var(--text-secondary); text-decoration: none; padding: 4px 0; transition: color 0.2s; }
.toc-list a:hover { color: var(--gold); }
.toc-num { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.15em; color: var(--gold); flex-shrink: 0; width: 24px; }

/* ── ARTICLE ── */
.article { padding: 0 0 80px; }
.article-section { padding: 64px 0 0; scroll-margin-top: 88px; }
.section-label { display: block; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.4em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.section-rule { display: block; width: 40px; height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); margin-bottom: 20px; }
.article-section h2 { margin-bottom: 20px; }
.article-section h3 { margin-top: 44px; margin-bottom: 14px; color: var(--navy); }
.article-section h3:first-of-type { margin-top: 32px; }
.article-divider { border: none; border-top: 1px solid var(--cream-mid); margin: 48px 0 0; }

/* ── CALLOUTS ── */
.callout { border-radius: var(--radius); padding: 24px 28px; margin: 32px 0; }
.callout-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 10px; display: block; }
.callout p { margin: 0; font-size: 0.95rem; color: var(--text-secondary); }
.callout p + p { margin-top: 10px; }

.callout-insight { background: #FDF6E3; border-left: 4px solid var(--gold); }
.callout-insight .callout-label { color: var(--gold); }

.callout-warning { background: var(--warn-bg); border-left: 4px solid var(--warn); }
.callout-warning .callout-label { color: var(--warn); }
.callout-warning p { color: var(--text-secondary); }

.callout-myth { background: #EEF2F8; border-left: 4px solid var(--navy); }
.callout-myth .callout-label { color: var(--navy); }

.callout-supp { background: var(--supp-bg); border-left: 4px solid var(--supp); }
.callout-supp .callout-label { color: var(--supp); }

.callout-mapd { background: var(--mapd-bg); border-left: 4px solid var(--mapd); }
.callout-mapd .callout-label { color: var(--mapd); }

.callout-quote { background: var(--navy); border-radius: var(--radius); padding: 32px 28px; margin: 40px 0; }
.callout-quote blockquote { font-family: var(--font-display); font-weight: 700; font-style: italic; font-size: clamp(1.1rem, 3vw, 1.5rem); color: var(--gold-light); line-height: 1.4; margin-bottom: 12px; }
.callout-quote cite { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.45); font-style: normal; }

/* ── PLAN CARDS (G vs N) ── */
.plan-cards { display: grid; grid-template-columns: 1fr; gap: 16px; margin: 32px 0; }
@media (min-width: 600px) { .plan-cards { grid-template-columns: 1fr 1fr; } }

.plan-card { border-radius: var(--radius); padding: 28px 24px; border: 2px solid; }
.plan-card-g { background: var(--supp-bg); border-color: var(--supp); }
.plan-card-n { background: #EDF4ED; border-color: #2A6A2A; }

.plan-card-badge { display: inline-block; font-size: 0.65rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; padding: 4px 12px; border-radius: 2px; margin-bottom: 14px; }
.plan-card-g .plan-card-badge { background: var(--supp); color: #fff; }
.plan-card-n .plan-card-badge { background: #2A6A2A; color: #fff; }

.plan-card h4 { margin-bottom: 12px; }
.plan-card-g h4 { color: var(--supp); }
.plan-card-n h4 { color: #2A6A2A; }

.plan-card ul { padding-left: 1.2rem; }
.plan-card li { font-size: 0.9rem; margin-bottom: 6px; }

.plan-card-note { font-size: 0.82rem; font-style: italic; color: var(--text-muted); margin-top: 14px; padding-top: 14px; border-top: 1px solid rgba(0,0,0,0.08); }

/* ── DECISION FRAMEWORK — 5 QUESTIONS ── */
.questions-list { display: flex; flex-direction: column; gap: 24px; margin: 32px 0; }

.question-card { border: 1px solid var(--cream-mid); border-radius: var(--radius); overflow: hidden; }

.question-header { display: grid; grid-template-columns: 56px 1fr; align-items: stretch; }

.question-num { background: var(--navy); display: flex; align-items: center; justify-content: center; padding: 20px 0; }
.question-num span { font-family: var(--font-display); font-weight: 900; font-size: 1.3rem; color: var(--gold-light); }

.question-title-wrap { background: var(--cream); padding: 20px 20px; }
.question-label { font-size: 0.62rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; color: var(--gold); margin-bottom: 6px; display: block; }
.question-title { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; color: var(--navy); line-height: 1.25; }

.question-body { padding: 20px 20px 0; }
.question-body p { font-size: 0.92rem; color: var(--text-secondary); margin-bottom: 12px; }

.question-logic { background: #F5F0E4; border-left: 3px solid var(--gold); padding: 12px 16px; margin-bottom: 12px; border-radius: 0 2px 2px 0; }
.question-logic-label { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; display: block; }
.question-logic p { font-size: 0.88rem; margin: 0; color: var(--text-muted); }

.question-leads { display: grid; grid-template-columns: 1fr; gap: 8px; padding: 0 0 20px; margin-top: 4px; }
@media (min-width: 560px) { .question-leads { grid-template-columns: 1fr 1fr; } }

.question-lead { padding: 12px 14px; border-radius: 2px; }
.question-lead-supp { background: var(--supp-bg); border: 1px solid rgba(26,74,122,0.15); }
.question-lead-mapd { background: var(--mapd-bg); border: 1px solid rgba(122,58,10,0.15); }
.question-lead-label { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; margin-bottom: 4px; display: block; }
.question-lead-supp .question-lead-label { color: var(--supp); }
.question-lead-mapd .question-lead-label { color: var(--mapd); }
.question-lead p { font-size: 0.85rem; margin: 0; line-height: 1.45; }
.question-lead-supp p { color: var(--supp); }
.question-lead-mapd p { color: var(--mapd); }

/* ── LEAN INDICATORS ── */
.lean-grid { display: grid; grid-template-columns: 1fr; gap: 12px; margin: 28px 0; }
@media (min-width: 600px) { .lean-grid { grid-template-columns: 1fr 1fr; } }

.lean-card { padding: 20px 20px; border-radius: var(--radius); }
.lean-supp { background: var(--supp-bg); border: 1px solid rgba(26,74,122,0.2); }
.lean-mapd { background: var(--mapd-bg); border: 1px solid rgba(122,58,10,0.2); }

.lean-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 10px; display: block; }
.lean-supp .lean-label { color: var(--supp); }
.lean-mapd .lean-label { color: var(--mapd); }

.lean-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.lean-list li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.88rem; color: var(--text-secondary); line-height: 1.45; margin: 0; }
.lean-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; margin-top: 6px; }
.lean-supp .lean-dot { background: var(--supp); }
.lean-mapd .lean-dot { background: var(--mapd); }

/* ── NETWORK NUANCE ── */
.network-levels { display: flex; flex-direction: column; gap: 3px; margin: 24px 0; }
.network-level { padding: 16px 20px; border-radius: 2px; }
.network-level-1 { background: #E8F4E8; border-left: 4px solid #2A6A2A; }
.network-level-2 { background: #FDF6E3; border-left: 4px solid var(--gold); }
.network-level-3 { background: var(--warn-bg); border-left: 4px solid var(--warn); }
.network-level h4 { font-size: 0.9rem; margin-bottom: 4px; }
.network-level-1 h4 { color: #2A6A2A; }
.network-level-2 h4 { color: #7A5C10; }
.network-level-3 h4 { color: var(--warn); }
.network-level p { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* ── STATE CHART ── */
.state-comparison { display: grid; grid-template-columns: 1fr; gap: 16px; margin: 28px 0; }
@media (min-width: 640px) { .state-comparison { grid-template-columns: 1fr 1fr; } }

.state-card { padding: 24px; border-radius: var(--radius); }
.state-card-protected { background: #E8F4E8; border: 1px solid rgba(42,106,42,0.25); }
.state-card-unprotected { background: var(--warn-bg); border: 1px solid rgba(184,74,42,0.25); }

.state-card-header { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.state-card-icon { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.state-card-protected .state-card-icon { background: #2A6A2A; }
.state-card-unprotected .state-card-icon { background: var(--warn); }
.state-card-title { font-family: var(--font-display); font-weight: 700; font-size: 0.95rem; }
.state-card-protected .state-card-title { color: #2A6A2A; }
.state-card-unprotected .state-card-title { color: var(--warn); }

.state-card p { font-size: 0.88rem; color: var(--text-secondary); margin-bottom: 10px; }
.state-card p:last-child { margin: 0; }
.state-examples { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; color: var(--text-muted); }

/* ── GI WINDOWS ── */
.gi-timeline { display: flex; flex-direction: column; gap: 3px; margin: 28px 0; }
.gi-item { display: grid; grid-template-columns: 100px 1fr; gap: 16px; align-items: start; padding: 16px 20px; background: var(--cream); border: 1px solid var(--cream-mid); border-radius: 2px; }
.gi-badge { font-family: var(--font-display); font-weight: 700; font-size: 0.85rem; color: var(--navy); line-height: 1.2; }
.gi-badge span { display: block; font-family: var(--font-body); font-size: 0.62rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); margin-top: 2px; }
.gi-item h4 { font-size: 0.95rem; margin-bottom: 4px; }
.gi-item p { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* ── STAR RATING ── */
.star-scale { display: flex; flex-direction: column; gap: 8px; margin: 24px 0; }
.star-row { display: grid; grid-template-columns: 80px 1fr; gap: 12px; align-items: center; padding: 12px 16px; border-radius: var(--radius); }
.star-row-5 { background: #E8F4E8; }
.star-row-4 { background: #FDF6E3; }
.star-row-3 { background: #F5F0F0; }
.star-row-low { background: var(--warn-bg); }
.star-label { font-family: var(--font-display); font-weight: 700; font-size: 1rem; }
.star-row-5 .star-label { color: #2A6A2A; }
.star-row-4 .star-label { color: #7A5C10; }
.star-row-3 .star-label { color: #5C4040; }
.star-row-low .star-label { color: var(--warn); }
.star-desc { font-size: 0.88rem; color: var(--text-muted); }

/* ── NEWSLETTER / NEXT ── */
.next-steps { background: var(--navy-deep); padding: 64px 0; margin-top: 80px; }
.next-steps-grid { display: grid; grid-template-columns: 1fr; gap: 16px; margin-top: 40px; }
@media (min-width: 640px) { .next-steps-grid { grid-template-columns: 1fr 1fr; } }
.next-card { display: block; text-decoration: none; background: rgba(255,255,255,0.04); border: 1px solid rgba(232,201,122,0.15); border-radius: var(--radius); padding: 28px 24px; transition: border-color 0.2s, background 0.2s; }
.next-card:hover, .next-card:focus-visible { border-color: rgba(232,201,122,0.35); background: rgba(255,255,255,0.06); text-decoration: none; }
.next-card-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; display: block; }
.next-card h3 { font-size: 1.05rem; color: var(--gold-pale); margin-bottom: 8px; line-height: 1.3; }
.next-card p { font-size: 0.88rem; color: var(--text-on-dark-muted); margin: 0; }

.nl-form { display: flex; flex-direction: column; gap: 12px; max-width: 480px; }
@media (min-width: 600px) { .nl-form { flex-direction: row; gap: 0; } .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; } .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; } }
input[type="email"] { min-height: var(--tap-min); padding: 12px 18px; font-family: var(--font-body); font-size: 1rem; background: rgba(255,255,255,0.07); border: 2px solid rgba(232,201,122,0.25); border-radius: var(--radius); color: var(--text-on-dark); outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }
.form-fine { font-size: 0.72rem; color: rgba(201,168,74,0.4); line-height: 1.5; }

/* ── FOOTER ── */
.site-footer { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 40px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 16px; }
@media (min-width: 640px) { .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; } }
.footer-brand { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0; }
.footer-links-row a { display: inline-flex; align-items: center; min-height: var(--tap-min); padding: 4px 12px; font-size: 0.8rem; color: rgba(245,230,192,0.4); text-decoration: none; transition: color 0.2s; }
.footer-links-row a:hover { color: var(--gold-light); }
.footer-disclaimer { font-size: 0.7rem; color: rgba(245,230,192,0.18); line-height: 1.55; margin-top: 16px; }



/* =============================================================
   === part-d.html ===
   ============================================================= */

:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --green:   #2A6A2A;
  --green-bg: #E8F4E8;
  --warn:    #B84A2A;
  --warn-bg: #FDF0EC;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); font-size: 1rem; line-height: 1.75; color: var(--text-primary); background: var(--white); overflow-x: hidden; }

.skip-link { position: absolute; top: -100px; left: 16px; background: var(--gold); color: var(--navy-deep); font-weight: 700; font-size: 14px; padding: 12px 20px; border-radius: var(--radius); text-decoration: none; z-index: 9999; transition: top 0.2s; }
.skip-link:focus { top: 16px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.15; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.5rem, 4vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 3vw, 1.45rem); font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.8; color: var(--text-secondary); margin-bottom: 1.1rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }
strong { font-weight: 700; color: var(--text-primary); }
em { font-style: italic; }
ul, ol { padding-left: 1.5rem; }
li { margin-bottom: 6px; color: var(--text-secondary); font-size: 1rem; line-height: 1.7; }

/* ── LAYOUT ── */
.container { width: 100%; max-width: 800px; margin: 0 auto; padding: 0 24px; }
.container-wide { width: 100%; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .container { padding: 0 40px; } .container-wide { padding: 0 40px; } }
.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; }

/* ── NAV ── */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 200; background: rgba(8,15,30,0.97); border-bottom: 1px solid rgba(232,201,122,0.15); backdrop-filter: blur(16px); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; padding: 0 24px; max-width: 1200px; margin: 0 auto; }
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; min-height: var(--tap-min); }
.nav-logo-badge { width: 38px; height: 38px; background: var(--navy-mid); border: 1px solid rgba(232,201,122,0.35); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1.1rem; color: var(--gold-light); }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }
.nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: var(--tap-min); height: var(--tap-min); background: none; border: none; cursor: pointer; padding: 8px; border-radius: var(--radius); }
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

/* ── BUTTONS ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--tap-min); padding: 12px 26px; font-family: var(--font-body); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; border-color: #9A7520; color: var(--white); }
.btn-outline-light { background: transparent; color: var(--gold-pale); border-color: rgba(232,201,122,0.4); }
.btn-outline-light:hover { background: rgba(232,201,122,0.08); }

/* ── PAGE HERO ── */
.page-hero { background: var(--navy-deep); padding: 120px 0 64px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px); background-size: 48px 48px; pointer-events: none; }
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; margin-bottom: 24px; flex-wrap: wrap; }
.breadcrumb a { color: var(--gold); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: rgba(232,201,122,0.3); }
.breadcrumb-current { color: rgba(245,230,192,0.45); }
.page-hero h1 { color: var(--white); margin-bottom: 20px; }
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero-deck { font-size: 1.1rem; line-height: 1.75; color: var(--text-on-dark-muted); max-width: 620px; margin-bottom: 32px; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 12px 20px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.4); }

/* ── TOC ── */
.toc { background: var(--cream); border: 1px solid var(--cream-mid); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 28px 32px; margin: 48px 0; }
.toc-title { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.toc-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.toc-list li { margin: 0; }
.toc-list a { display: flex; align-items: center; min-height: 44px; gap: 12px; font-size: 0.9rem; color: var(--text-secondary); text-decoration: none; padding: 4px 0; transition: color 0.2s; }
.toc-list a:hover { color: var(--gold); }
.toc-num { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.15em; color: var(--gold); flex-shrink: 0; width: 24px; }

/* ── ARTICLE ── */
.article { padding: 0 0 80px; }
.article-section { padding: 64px 0 0; scroll-margin-top: 88px; }
.section-label { display: block; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.4em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.section-rule { display: block; width: 40px; height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); margin-bottom: 20px; }
.article-section h2 { margin-bottom: 20px; }
.article-section h3 { margin-top: 44px; margin-bottom: 14px; color: var(--navy); }
.article-divider { border: none; border-top: 1px solid var(--cream-mid); margin: 48px 0 0; }

/* ── CALLOUTS ── */
.callout { border-radius: var(--radius); padding: 24px 28px; margin: 32px 0; }
.callout-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 10px; display: block; }
.callout p { margin: 0; font-size: 0.95rem; color: var(--text-secondary); }
.callout p + p { margin-top: 10px; }
.callout-insight { background: #FDF6E3; border-left: 4px solid var(--gold); }
.callout-insight .callout-label { color: var(--gold); }
.callout-warning { background: var(--warn-bg); border-left: 4px solid var(--warn); }
.callout-warning .callout-label { color: var(--warn); }
.callout-myth { background: #EEF2F8; border-left: 4px solid var(--navy); }
.callout-myth .callout-label { color: var(--navy); }
.callout-quote { background: var(--navy); border-radius: var(--radius); padding: 32px 28px; margin: 40px 0; }
.callout-quote blockquote { font-family: var(--font-display); font-weight: 700; font-style: italic; font-size: clamp(1.1rem, 3vw, 1.5rem); color: var(--gold-light); line-height: 1.4; margin-bottom: 12px; }
.callout-quote cite { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(232,201,122,0.45); font-style: normal; }

/* ── TIER CARDS ── */
.tier-stack { display: flex; flex-direction: column; gap: 3px; margin: 32px 0; }
.tier-card { display: grid; grid-template-columns: 90px 1fr; gap: 0; border-radius: 2px; overflow: hidden; }
.tier-badge { display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 20px 12px; text-align: center; }
.tier-badge-num { font-family: var(--font-display); font-weight: 900; font-size: 1.3rem; line-height: 1; }
.tier-badge-name { font-size: 0.58rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; margin-top: 4px; line-height: 1.3; }
.tier-body { padding: 18px 20px; }
.tier-body h4 { font-size: 0.95rem; margin-bottom: 4px; }
.tier-body p { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* Tier color coding */
.tier-0 .tier-badge { background: #1A6A1A; } .tier-0 .tier-badge-num, .tier-0 .tier-badge-name { color: #fff; } .tier-0 .tier-body { background: #EBF5EB; } .tier-0 h4 { color: #1A6A1A; }
.tier-1 .tier-badge { background: #2A7A2A; } .tier-1 .tier-badge-num, .tier-1 .tier-badge-name { color: #fff; } .tier-1 .tier-body { background: #EDF6ED; } .tier-1 h4 { color: #2A7A2A; }
.tier-2 .tier-badge { background: #5A8A2A; } .tier-2 .tier-badge-num, .tier-2 .tier-badge-name { color: #fff; } .tier-2 .tier-body { background: #F2F6E8; } .tier-2 h4 { color: #5A8A2A; }
.tier-3 .tier-badge { background: #B89A2A; } .tier-3 .tier-badge-num, .tier-3 .tier-badge-name { color: #fff; } .tier-3 .tier-body { background: #FDF8E3; } .tier-3 h4 { color: #7A6010; }
.tier-4 .tier-badge { background: #B86A2A; } .tier-4 .tier-badge-num, .tier-4 .tier-badge-name { color: #fff; } .tier-4 .tier-body { background: #FDF3E8; } .tier-4 h4 { color: #7A4010; }
.tier-5 .tier-badge { background: #B84A2A; } .tier-5 .tier-badge-num, .tier-5 .tier-badge-name { color: #fff; } .tier-5 .tier-body { background: var(--warn-bg); } .tier-5 h4 { color: var(--warn); }

/* ── COST COMPARISON (enhanced vs standard) ── */
.cost-compare { display: grid; grid-template-columns: 1fr; gap: 3px; margin: 28px 0; }
@media (min-width: 580px) { .cost-compare { grid-template-columns: 1fr 1fr; } }
.cost-card { padding: 24px; border-radius: var(--radius); }
.cost-enhanced { background: var(--green-bg); border: 1px solid rgba(42,106,42,0.2); }
.cost-standard { background: var(--warn-bg); border: 1px solid rgba(184,74,42,0.2); }
.cost-card-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 12px; display: block; }
.cost-enhanced .cost-card-label { color: var(--green); }
.cost-standard .cost-card-label { color: var(--warn); }
.cost-card h4 { margin-bottom: 8px; font-size: 1rem; }
.cost-enhanced h4 { color: var(--green); }
.cost-standard h4 { color: var(--warn); }
.cost-card p { font-size: 0.88rem; color: var(--text-secondary); margin-bottom: 8px; }
.cost-card p:last-child { margin: 0; }
.cost-example { font-size: 0.82rem; background: rgba(255,255,255,0.6); padding: 10px 12px; border-radius: 2px; margin-top: 12px; color: var(--text-muted); }
.cost-big-num { font-family: var(--font-display); font-weight: 900; font-size: 1.6rem; line-height: 1; display: block; margin-bottom: 2px; }
.cost-enhanced .cost-big-num { color: var(--green); }
.cost-standard .cost-big-num { color: var(--warn); }

/* ── HURDLE VISUAL ── */
.hurdle-stack { display: flex; flex-direction: column; gap: 16px; margin: 32px 0; }

.hurdle-card { border-radius: var(--radius); border: 1px solid var(--cream-mid); overflow: hidden; }

.hurdle-header { display: grid; grid-template-columns: 72px 1fr; }

.hurdle-visual { display: flex; flex-direction: column; align-items: center; justify-content: flex-end; padding: 16px 8px 12px; gap: 4px; }

.hurdle-bar { width: 28px; border-radius: 3px 3px 0 0; }
.hurdle-icon { font-size: 1.2rem; line-height: 1; }

.hurdle-title-wrap { padding: 16px 20px; display: flex; flex-direction: column; justify-content: center; }
.hurdle-difficulty { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 4px; display: block; }
.hurdle-title { font-family: var(--font-display); font-weight: 700; font-size: 1rem; line-height: 1.2; }

.hurdle-body { padding: 16px 20px 20px; border-top: 1px solid var(--cream-mid); }
.hurdle-body p { font-size: 0.9rem; color: var(--text-secondary); margin-bottom: 10px; }
.hurdle-tip { font-size: 0.82rem; font-style: italic; color: var(--text-muted); padding: 10px 14px; border-radius: 2px; background: rgba(0,0,0,0.03); }

/* hurdle color themes */
.hurdle-ql .hurdle-visual { background: #EEF2F8; }
.hurdle-ql .hurdle-bar { background: var(--navy); height: 36px; }
.hurdle-ql .hurdle-difficulty { color: var(--navy); }
.hurdle-ql .hurdle-title { color: var(--navy); }

.hurdle-pa .hurdle-visual { background: #FDF8E3; }
.hurdle-pa .hurdle-bar { background: var(--gold); height: 56px; }
.hurdle-pa .hurdle-difficulty { color: #7A6010; }
.hurdle-pa .hurdle-title { color: #7A6010; }

.hurdle-st .hurdle-visual { background: #FDF3E8; }
.hurdle-st .hurdle-bar { background: #B86A2A; height: 76px; }
.hurdle-st .hurdle-difficulty { color: #7A4010; }
.hurdle-st .hurdle-title { color: #7A4010; }

.hurdle-nf .hurdle-visual { background: var(--warn-bg); }
.hurdle-nf .hurdle-bar { background: var(--warn); height: 100px; }
.hurdle-nf .hurdle-difficulty { color: var(--warn); }
.hurdle-nf .hurdle-title { color: var(--warn); }

.hurdle-fe .hurdle-visual { background: #EEF2F8; }
.hurdle-fe .hurdle-bar { background: #888; height: 96px; }
.hurdle-fe .hurdle-difficulty { color: #555; }
.hurdle-fe .hurdle-title { color: #555; }

.hurdle-tr .hurdle-visual { background: var(--green-bg); }
.hurdle-tr .hurdle-bar { background: var(--green); height: 20px; }
.hurdle-tr .hurdle-difficulty { color: var(--green); }
.hurdle-tr .hurdle-title { color: var(--green); }

/* ── SPECIAL FILLS ── */
.fills-grid { display: grid; grid-template-columns: 1fr; gap: 16px; margin: 28px 0; }
@media (min-width: 580px) { .fills-grid { grid-template-columns: 1fr 1fr; } }
.fill-card { padding: 24px; border-radius: var(--radius); }
.fill-transition { background: #EBF1F8; border: 1px solid rgba(26,74,122,0.2); }
.fill-vacation { background: var(--green-bg); border: 1px solid rgba(42,106,42,0.2); }
.fill-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; margin-bottom: 10px; display: block; }
.fill-transition .fill-label { color: #1A4A7A; }
.fill-vacation .fill-label { color: var(--green); }
.fill-card h4 { margin-bottom: 10px; font-size: 1rem; }
.fill-transition h4 { color: #1A4A7A; }
.fill-vacation h4 { color: var(--green); }
.fill-card p { font-size: 0.88rem; color: var(--text-secondary); margin-bottom: 8px; }
.fill-card p:last-child { margin: 0; }
.fill-tip { font-size: 0.8rem; font-weight: 700; padding: 10px 12px; border-radius: 2px; margin-top: 12px; }
.fill-transition .fill-tip { background: rgba(26,74,122,0.08); color: #1A4A7A; }
.fill-vacation .fill-tip { background: rgba(42,106,42,0.08); color: var(--green); }

/* ── CREDITABLE COVERAGE LIST ── */
.creditable-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin: 20px 0; }
@media (min-width: 580px) { .creditable-grid { grid-template-columns: repeat(3, 1fr); } }
.creditable-item { background: var(--cream); border: 1px solid var(--cream-mid); border-radius: var(--radius); padding: 14px 16px; }
.creditable-item h4 { font-size: 0.88rem; color: var(--navy); margin-bottom: 4px; }
.creditable-item p { font-size: 0.78rem; color: var(--text-muted); margin: 0; line-height: 1.4; }

/* ── PLAN FINDER ── */
.finder-steps { display: flex; flex-direction: column; gap: 3px; margin: 24px 0; }
.finder-step { display: grid; grid-template-columns: 44px 1fr; gap: 0; border-radius: 2px; overflow: hidden; }
.finder-step-num { background: var(--navy); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-light); padding: 16px; }
.finder-step-body { background: var(--cream); padding: 16px 20px; }
.finder-step-body h4 { font-size: 0.92rem; margin-bottom: 4px; color: var(--navy); }
.finder-step-body p { font-size: 0.85rem; margin: 0; color: var(--text-muted); }

/* ── NEWSLETTER / NEXT ── */
.next-steps { background: var(--navy-deep); padding: 64px 0; margin-top: 80px; }
.next-steps-grid { display: grid; grid-template-columns: 1fr; gap: 16px; margin-top: 40px; }
@media (min-width: 640px) { .next-steps-grid { grid-template-columns: 1fr 1fr; } }
.next-card { display: block; text-decoration: none; background: rgba(255,255,255,0.04); border: 1px solid rgba(232,201,122,0.15); border-radius: var(--radius); padding: 28px 24px; transition: border-color 0.2s, background 0.2s; }
.next-card:hover, .next-card:focus-visible { border-color: rgba(232,201,122,0.35); background: rgba(255,255,255,0.06); text-decoration: none; }
.next-card-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.35em; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; display: block; }
.next-card h3 { font-size: 1.05rem; color: var(--gold-pale); margin-bottom: 8px; line-height: 1.3; }
.next-card p { font-size: 0.88rem; color: var(--text-on-dark-muted); margin: 0; }
.nl-form { display: flex; flex-direction: column; gap: 12px; max-width: 480px; }
@media (min-width: 600px) { .nl-form { flex-direction: row; gap: 0; } .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; } .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; } }
input[type="email"] { min-height: var(--tap-min); padding: 12px 18px; font-family: var(--font-body); font-size: 1rem; background: rgba(255,255,255,0.07); border: 2px solid rgba(232,201,122,0.25); border-radius: var(--radius); color: var(--text-on-dark); outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }
.form-fine { font-size: 0.72rem; color: rgba(201,168,74,0.4); line-height: 1.5; }

/* ── FOOTER ── */
.site-footer { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 40px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 16px; }
@media (min-width: 640px) { .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; } }
.footer-brand { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0; }
.footer-links-row a { display: inline-flex; align-items: center; min-height: var(--tap-min); padding: 4px 12px; font-size: 0.8rem; color: rgba(245,230,192,0.4); text-decoration: none; transition: color 0.2s; }
.footer-links-row a:hover { color: var(--gold-light); }
.footer-disclaimer { font-size: 0.7rem; color: rgba(245,230,192,0.18); line-height: 1.55; margin-top: 16px; }



/* =============================================================
   === retiree-report-homepage-v2.html ===
   ============================================================= */
/* ============================================
   DESIGN TOKENS
   All colors checked for WCAG 2.1 AA contrast
   ============================================ */
:root {
  /* Brand */
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --gold:        #B8943A; /* darkened slightly for AA contrast on light */
  --gold-light:  #E8C97A; /* used on dark backgrounds only */
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;

  /* Text — all pass AA on their backgrounds */
  --text-primary:   #0D1F3C;  /* on white/cream: 13.5:1 ✓ */
  --text-secondary: #3D3120;  /* on white/cream: 8.2:1  ✓ */
  --text-muted:     #5C4E35;  /* on white/cream: 5.1:1  ✓ */
  --text-on-dark:   #F5E6C0;  /* on navy: 9.8:1  ✓ */
  --text-on-dark-muted: #C9B48A; /* on navy: 4.6:1 ✓ */

  /* Spacing — generous for elderly tap targets */
  --space-xs:  8px;
  --space-sm:  16px;
  --space-md:  24px;
  --space-lg:  40px;
  --space-xl:  64px;
  --space-2xl: 96px;

  /* Tap targets — minimum 44x44px per WCAG 2.5.5 */
  --tap-min: 44px;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;

  /* Radius */
  --radius: 4px;
}

/* ============================================
   RESET & BASE
   ============================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 18px; /* Base 18px for elderly readability */
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text-primary);
  background: var(--white);
  overflow-x: hidden;
}

/* Skip to main content — WCAG 2.4.1 */
.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  background: var(--gold);
  color: var(--navy-deep);
  font-weight: 700;
  font-size: 14px;
  padding: 12px 20px;
  border-radius: var(--radius);
  text-decoration: none;
  z-index: 9999;
  transition: top 0.2s;
}
.skip-link:focus { top: 16px; }

/* Focus styles — WCAG 2.4.7 */
:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ============================================
   TYPOGRAPHY SCALE
   ============================================ */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.15;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 6vw, 3.5rem); font-weight: 900; }
h2 { font-size: clamp(1.6rem, 4vw, 2.6rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 3vw, 1.6rem); font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.75; color: var(--text-secondary); }

a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

a:hover { color: var(--gold); }

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

ul, ol { padding-left: 1.5rem; }
li { margin-bottom: 0.5rem; }

/* ============================================
   UTILITIES
   ============================================ */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

@media (min-width: 768px) {
  .container { padding: 0 var(--space-lg); }
}

.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;
}

.t-label {
  display: block;
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-sm);
}

.t-label-dark {
  color: var(--gold-light);
}

.gold-rule {
  display: block;
  width: 48px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin-bottom: var(--space-md);
}

.gold-rule-center { margin-left: auto; margin-right: auto; }

/* ============================================
   BUTTONS — min 44px height, clear labels
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: var(--tap-min);
  padding: 14px 28px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, transform 0.15s, border-color 0.2s;
  white-space: nowrap;
}

.btn:active { transform: scale(0.98); }

.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-primary:hover, .btn-primary:focus-visible {
  background: #9A7520;
  border-color: #9A7520;
  color: var(--white);
}

.btn-outline-light {
  background: transparent;
  color: var(--gold-pale);
  border-color: rgba(232,201,122,0.5);
}
.btn-outline-light:hover, .btn-outline-light:focus-visible {
  background: rgba(232,201,122,0.1);
  border-color: var(--gold-light);
  color: var(--gold-light);
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-dark:hover, .btn-outline-dark:focus-visible {
  background: var(--navy);
  color: var(--white);
}

.btn-full { width: 100%; }

/* ============================================
   FORMS — large touch targets
   ============================================ */
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

label {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--text-on-dark);
  display: block;
  margin-bottom: 4px;
}

input[type="text"],
input[type="email"] {
  width: 100%;
  min-height: var(--tap-min);
  padding: 12px 18px;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--text-primary);
  background: var(--white);
  border: 2px solid var(--cream-mid);
  border-radius: var(--radius);
  outline: none;
  transition: border-color 0.2s;
  -webkit-appearance: none;
}

input[type="text"]:focus,
input[type="email"]:focus {
  border-color: var(--gold);
}

input::placeholder {
  color: #7A7060;
  font-size: 0.95rem;
}

/* Dark form variant */
.input-dark {
  background: rgba(255,255,255,0.08) !important;
  border-color: rgba(232,201,122,0.3) !important;
  color: var(--text-on-dark) !important;
}
.input-dark::placeholder { color: rgba(245,230,192,0.4) !important; }
.input-dark:focus { border-color: var(--gold-light) !important; }

.form-fine {
  font-size: 0.75rem;
  color: var(--text-on-dark-muted);
  line-height: 1.5;
}

.form-fine-dark {
  color: rgba(201,169,74,0.5);
}

/* ============================================
   NAVIGATION
   ============================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 200;
  background: rgba(8,15,30,0.97);
  border-bottom: 1px solid rgba(232,201,122,0.15);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  padding: 0 var(--space-md);
  max-width: 1200px;
  margin: 0 auto;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  min-height: var(--tap-min);
}

.nav-logo-badge {
  width: 38px; height: 38px;
  background: var(--navy-mid);
  border: 1px solid rgba(232,201,122,0.35);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.1rem;
  color: var(--gold-light);
}

.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }

.nav-logo-the {
  font-size: 0.55rem;
  font-weight: 300;
  letter-spacing: 0.5em;
  text-transform: uppercase;
  color: var(--gold-light);
}

.nav-logo-name {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1rem;
  color: var(--gold-pale);
  white-space: nowrap;
}

/* Hamburger */
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: var(--tap-min);
  height: var(--tap-min);
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius);
  transition: background 0.2s;
}

.nav-toggle:hover { background: rgba(255,255,255,0.08); }

.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--gold-pale);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.nav-menu {
  display: none;
  position: absolute;
  top: 68px; left: 0; right: 0;
  background: var(--navy-deep);
  border-bottom: 1px solid rgba(232,201,122,0.15);
  padding: var(--space-md);
}

.nav-menu.open { display: block; }

.site-nav__list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.site-nav__list a {
  display: flex;
  align-items: center;
  min-height: var(--tap-min);
  padding: 12px 16px;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.1em;
  color: var(--text-on-dark);
  text-decoration: none;
  border-radius: var(--radius);
  transition: background 0.2s, color 0.2s;
}

.site-nav__list a:hover {
  background: rgba(255,255,255,0.06);
  color: var(--gold-light);
}

.nav-menu-cta {
  margin-top: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid rgba(232,201,122,0.12);
}

/* Desktop nav */
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu {
    display: flex !important;
    position: static;
    background: none;
    border: none;
    padding: 0;
    align-items: center;
  }
  .site-nav__list {
    flex-direction: row;
    gap: 0;
    align-items: center;
  }
  .site-nav__list a {
    font-size: 0.75rem;
    padding: 8px 14px;
    letter-spacing: 0.2em;
    color: rgba(245,230,192,0.65);
    border-radius: var(--radius);
  }
  .site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
  .nav-menu-cta {
    margin: 0;
    padding: 0;
    border: none;
    margin-left: var(--space-sm);
  }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

/* ============================================
   HERO
   ============================================ */
.hero {
  background: var(--navy-deep);
  padding-top: 68px; /* nav height */
  position: relative;
  overflow: hidden;
}

.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(232,201,122,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,201,122,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

.hero-bg-glow {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 40%, rgba(22,43,82,0.7) 0%, transparent 80%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: var(--space-xl) 0 var(--space-lg);
}

.hero-container {
  display: flex;
  flex-direction: column;
  gap: var(--space-xl);
}

/* Hero text */
.hero-text {}

.hero-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: var(--space-md);
}

.hero-dot {
  width: 7px; height: 7px;
  background: var(--gold-light);
  border-radius: 50%;
  flex-shrink: 0;
}

.hero-headline {
  color: var(--white);
  margin-bottom: var(--space-md);
}

.hero-headline em {
  font-style: italic;
  color: var(--gold-light);
  display: block;
}

.hero-subhead {
  font-size: 1.1rem;
  line-height: 1.75;
  color: var(--text-on-dark-muted);
  margin-bottom: var(--space-lg);
  max-width: 560px;
}

.hero-actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

@media (min-width: 500px) {
  .hero-actions { flex-direction: row; flex-wrap: wrap; }
}

/* Trust bar */
.hero-trust {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-sm);
  margin-top: var(--space-lg);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(232,201,122,0.15);
}

.trust-item { text-align: center; }

.trust-number {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.8rem;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 4px;
}

.trust-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-on-dark-muted);
  line-height: 1.3;
}

/* Hero card */
.hero-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(232,201,122,0.2);
  border-radius: var(--radius);
  padding: var(--space-lg) var(--space-md);
}

@media (min-width: 768px) {
  .hero-card { padding: var(--space-lg); }
}

.hero-card-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: var(--space-sm);
  display: block;
}

.hero-card-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--gold-pale);
  line-height: 1.25;
  margin-bottom: var(--space-sm);
}

.hero-card-perks {
  list-style: none;
  padding: 0;
  margin-bottom: var(--space-md);
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.hero-card-perks li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--text-on-dark-muted);
  line-height: 1.4;
  margin: 0;
}

.perk-icon {
  width: 18px; height: 18px;
  background: rgba(232,201,122,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.hero-card hr {
  border: none;
  border-top: 1px solid rgba(232,201,122,0.15);
  margin: var(--space-md) 0;
}

/* Desktop hero layout */
@media (min-width: 1024px) {
  .hero-container {
    flex-direction: row;
    align-items: flex-start;
    gap: var(--space-xl);
  }
  .hero-text { flex: 1; }
  .hero-card { width: 400px; flex-shrink: 0; }
}

/* ============================================
   TICKER
   ============================================ */
.ticker {
  background: var(--navy-mid);
  border-top: 1px solid rgba(232,201,122,0.15);
  border-bottom: 1px solid rgba(232,201,122,0.15);
  padding: 13px 0;
  overflow: hidden;
}

.ticker-track {
  display: flex;
  gap: 48px;
  animation: scrollticker 35s linear infinite;
  white-space: nowrap;
  width: max-content;
}

@media (prefers-reduced-motion: reduce) {
  .ticker-track { animation: none; }
}

.ticker-item {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(232,201,122,0.65);
  flex-shrink: 0;
}

.ticker-sep {
  color: rgba(232,201,122,0.25);
  margin-left: 8px;
}

@keyframes scrollticker {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================
   SECTION BASE
   ============================================ */
.section {
  padding: var(--space-xl) 0;
}

@media (min-width: 768px) {
  .section { padding: var(--space-2xl) 0; }
}

.section-header {
  margin-bottom: var(--space-lg);
}

.section-header.centered {
  text-align: center;
}

.section-header.centered .gold-rule { margin-left: auto; margin-right: auto; }

.section-header h2 { margin-bottom: var(--space-sm); }

.section-header p {
  font-size: 1.05rem;
  max-width: 560px;
}

.section-header.centered p { margin: 0 auto; }

/* ============================================
   AUDIENCE PATHS
   ============================================ */
.paths-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-sm);
}

@media (min-width: 768px) {
  .paths-grid { grid-template-columns: repeat(3, 1fr); }
}

.path-card {
  display: block;
  text-decoration: none;
  padding: var(--space-lg) var(--space-md);
  background: var(--cream);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  position: relative;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  /* Ensure 44px min tap target — card is much larger so fine */
}

.path-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}

.path-card:hover,
.path-card:focus-visible {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(13,31,60,0.1);
  border-color: var(--gold);
  text-decoration: none;
}

.path-card:hover::after,
.path-card:focus-visible::after {
  transform: scaleX(1);
}

.path-icon-wrap {
  width: 52px; height: 52px;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
}

.path-tag {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-xs);
  display: block;
}

.path-card h3 {
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.path-card p {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: var(--space-md);
}

.path-cta {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ============================================
   FEATURED CONTENT — dark section
   ============================================ */
.featured {
  background: var(--navy);
}

.featured .section-header .t-label { color: var(--gold-light); }
.featured .section-header h2 { color: var(--white); }

.featured-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3px;
}

@media (min-width: 900px) {
  .featured-grid { grid-template-columns: 1.4fr 1fr; }
}

.article-main {
  display: block;
  text-decoration: none;
  padding: var(--space-lg) var(--space-md);
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(232,201,122,0.12);
  border-radius: var(--radius);
  transition: border-color 0.2s, background 0.2s;
}

@media (min-width: 768px) {
  .article-main { padding: var(--space-xl) var(--space-lg); }
}

.article-main:hover, .article-main:focus-visible {
  border-color: rgba(232,201,122,0.35);
  background: rgba(255,255,255,0.05);
  text-decoration: none;
}

.article-tag {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  padding: 5px 12px;
  margin-bottom: var(--space-md);
  border-radius: 2px;
}

.article-main h3 {
  font-size: clamp(1.2rem, 3vw, 1.7rem);
  color: var(--gold-pale);
  margin-bottom: var(--space-sm);
  line-height: 1.2;
}

.article-main p {
  color: var(--text-on-dark-muted);
  font-size: 1rem;
  margin-bottom: var(--space-md);
}

.article-meta {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(232,201,122,0.4);
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}

.article-meta-sep { color: rgba(232,201,122,0.2); }

.article-sidebar {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.article-side {
  display: block;
  text-decoration: none;
  padding: var(--space-md);
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(232,201,122,0.1);
  border-radius: var(--radius);
  flex: 1;
  transition: background 0.2s, border-color 0.2s;
}

.article-side:hover, .article-side:focus-visible {
  background: rgba(255,255,255,0.04);
  border-color: rgba(232,201,122,0.25);
  text-decoration: none;
}

.article-side .article-tag {
  font-size: 0.62rem;
  padding: 4px 10px;
  margin-bottom: 10px;
}

.article-side h4 {
  font-size: 1rem;
  color: var(--gold-pale);
  line-height: 1.3;
  margin-bottom: 10px;
}

.article-side .article-meta {
  font-size: 0.65rem;
}

/* ============================================
   TOPICS GRID
   ============================================ */
.topics-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
}

@media (min-width: 768px) {
  .topics-grid { grid-template-columns: repeat(3, 1fr); }
}

.topic-card {
  display: block;
  text-decoration: none;
  padding: var(--space-md);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  background: var(--white);
  transition: border-color 0.2s, transform 0.2s;
  min-height: 120px;
  position: relative;
}

.topic-card:hover, .topic-card:focus-visible {
  border-color: var(--gold);
  transform: translateY(-2px);
  text-decoration: none;
}

.topic-num {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  color: rgba(201,168,76,0.5);
  margin-bottom: 8px;
  display: block;
}

.topic-card h3 {
  font-size: 0.95rem;
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 6px;
}

.topic-card p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.4;
  margin: 0;
}

.topic-arrow {
  position: absolute;
  bottom: var(--space-md);
  right: var(--space-md);
  width: 28px; height: 28px;
  border: 1px solid var(--cream-mid);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, border-color 0.2s;
}

.topic-card:hover .topic-arrow,
.topic-card:focus-visible .topic-arrow {
  background: var(--gold);
  border-color: var(--gold);
}

/* ============================================
   CREDIBILITY / ABOUT STRIP
   ============================================ */
.credibility {
  background: var(--cream);
  border-top: 1px solid var(--cream-mid);
  border-bottom: 1px solid var(--cream-mid);
}

.credibility-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
}

@media (min-width: 900px) {
  .credibility-grid { grid-template-columns: 1fr 1fr; align-items: center; }
}

.cred-quote {
  font-family: var(--font-display);
  font-weight: 700;
  font-style: italic;
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  color: var(--navy);
  line-height: 1.4;
  padding-left: var(--space-md);
  border-left: 3px solid var(--gold);
  margin-bottom: var(--space-md);
}

.cred-body {
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: var(--space-md);
}

.cred-sig {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
}

.cred-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
}

.cred-stat {
  padding: var(--space-md);
  background: var(--white);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
}

.cred-stat-num {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 2rem;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.cred-stat-num sup {
  font-size: 1rem;
  color: var(--gold);
  vertical-align: super;
}

.cred-stat-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
  line-height: 1.4;
}

/* ============================================
   NEWSLETTER CTA
   ============================================ */
.newsletter-cta {
  background: var(--navy-deep);
  position: relative;
  overflow: hidden;
}

.newsletter-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(201,168,76,0.04) 0%, transparent 70%);
  pointer-events: none;
}

.newsletter-inner {
  position: relative;
  z-index: 1;
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
}

.newsletter-inner h2 {
  color: var(--gold-pale);
  margin-bottom: var(--space-sm);
}

.newsletter-inner h2 em {
  font-style: italic;
  color: var(--gold-light);
}

.newsletter-inner > p {
  color: var(--text-on-dark-muted);
  font-size: 1.05rem;
  margin-bottom: var(--space-lg);
}

.newsletter-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}

@media (min-width: 600px) {
  .newsletter-form {
    flex-direction: row;
    gap: 0;
  }
  .newsletter-form input {
    border-radius: var(--radius) 0 0 var(--radius);
    border-right: none;
    flex: 1;
  }
  .newsletter-form .btn {
    border-radius: 0 var(--radius) var(--radius) 0;
    white-space: nowrap;
  }
}

/* ============================================
   FOOTER
   ============================================ */
.site-footer {
  background: var(--navy-deep);
  border-top: 1px solid rgba(232,201,122,0.1);
  padding: var(--space-xl) 0 var(--space-lg);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-lg);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid rgba(232,201,122,0.1);
  margin-bottom: var(--space-lg);
}

@media (min-width: 600px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; }
}

.footer-brand-name {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.15rem;
  color: var(--gold-pale);
  margin-bottom: var(--space-xs);
}

.footer-brand-domain {
  font-size: 0.75rem;
  letter-spacing: 0.2em;
  color: rgba(232,201,122,0.35);
  margin-bottom: var(--space-sm);
  display: block;
}

.footer-brand-desc {
  font-size: 0.88rem;
  line-height: 1.65;
  color: rgba(245,230,192,0.35);
}

.footer-col-title {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: var(--space-md);
  display: block;
}

.footer-links {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.footer-links a {
  display: inline-flex;
  align-items: center;
  min-height: var(--tap-min);
  font-size: 0.9rem;
  color: rgba(245,230,192,0.45);
  text-decoration: none;
  transition: color 0.2s;
  padding: 4px 0;
}

.footer-links a:hover { color: var(--gold-light); }

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

@media (min-width: 768px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: flex-start; }
}

.footer-copy {
  font-size: 0.75rem;
  color: rgba(245,230,192,0.2);
  letter-spacing: 0.1em;
}

.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(245,230,192,0.18);
  line-height: 1.55;
  max-width: 520px;
}

@media (min-width: 768px) {
  .footer-disclaimer { text-align: right; }
}

/* ============================================
   ANNOUNCEMENT BANNER (optional)
   ============================================ */
.banner {
  background: var(--gold);
  padding: 10px var(--space-md);
  text-align: center;
}

.banner p {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--navy-deep);
  margin: 0;
}

.banner a {
  color: var(--navy-deep);
  font-weight: 900;
  margin-left: 8px;
  text-decoration: underline;
}



/* =============================================================
   === work-with-me.html ===
   ============================================================= */

:root {
  --navy:        #0D1F3C;
  --navy-deep:   #080F1E;
  --navy-mid:    #162B52;
  --gold:        #B8943A;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5E6C0;
  --cream:       #FAF5E9;
  --cream-mid:   #EDE3CC;
  --white:       #FFFFFF;
  --text-primary:   #0D1F3C;
  --text-secondary: #3D3120;
  --text-muted:     #5C4E35;
  --text-on-dark:   #F5E6C0;
  --text-on-dark-muted: #C9B48A;
  --green:    #2A6A2A;
  --green-bg: #E8F4E8;
  --warn:     #B84A2A;
  --warn-bg:  #FDF0EC;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Lato', Arial, sans-serif;
  --radius: 4px;
  --tap-min: 44px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 18px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { font-family: var(--font-body); font-size: 1rem; line-height: 1.75; color: var(--text-primary); background: var(--white); overflow-x: hidden; }

.skip-link { position: absolute; top: -100px; left: 16px; background: var(--gold); color: var(--navy-deep); font-weight: 700; font-size: 14px; padding: 12px 20px; border-radius: var(--radius); text-decoration: none; z-index: 9999; transition: top 0.2s; }
.skip-link:focus { top: 16px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

h1,h2,h3,h4 { font-family: var(--font-display); line-height: 1.15; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 6vw, 3.2rem); font-weight: 900; }
h2 { font-size: clamp(1.4rem, 4vw, 2rem); font-weight: 700; }
h3 { font-size: clamp(1.05rem, 3vw, 1.35rem); font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }

p { font-size: 1rem; line-height: 1.85; color: var(--text-secondary); margin-bottom: 1.2rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold); }
strong { font-weight: 700; color: var(--text-primary); }
em { font-style: italic; }

.container { width: 100%; max-width: 760px; margin: 0 auto; padding: 0 24px; }
.container-wide { width: 100%; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .container { padding: 0 40px; } .container-wide { padding: 0 40px; } }
.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; }

/* ── NAV ── */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 200; background: rgba(8,15,30,0.97); border-bottom: 1px solid rgba(232,201,122,0.15); backdrop-filter: blur(16px); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; height: 68px; padding: 0 24px; max-width: 1200px; margin: 0 auto; }
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; min-height: var(--tap-min); }
.nav-logo-badge { width: 38px; height: 38px; background: var(--navy-mid); border: 1px solid rgba(232,201,122,0.35); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 900; font-size: 1.1rem; color: var(--gold-light); }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.nav-logo-the { font-size: 0.55rem; font-weight: 300; letter-spacing: 0.5em; text-transform: uppercase; color: var(--gold-light); }
.nav-logo-name { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); white-space: nowrap; }
.nav-toggle { display: flex; flex-direction: column; justify-content: center; gap: 5px; width: var(--tap-min); height: var(--tap-min); background: none; border: none; cursor: pointer; padding: 8px; border-radius: var(--radius); }
.nav-toggle span { display: block; height: 2px; background: var(--gold-pale); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-menu { display: none; position: absolute; top: 68px; left: 0; right: 0; background: var(--navy-deep); border-bottom: 1px solid rgba(232,201,122,0.15); padding: 16px; }
.nav-menu.open { display: block; }
.site-nav__list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.site-nav__list a { display: flex; align-items: center; min-height: var(--tap-min); padding: 10px 16px; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--text-on-dark); text-decoration: none; border-radius: var(--radius); transition: background 0.2s; }
.site-nav__list a:hover { background: rgba(255,255,255,0.06); color: var(--gold-light); }
.nav-menu-cta { margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(232,201,122,0.12); }
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .nav-menu { display: flex !important; position: static; background: none; border: none; padding: 0; align-items: center; }
  .site-nav__list { flex-direction: row; gap: 0; align-items: center; }
  .site-nav__list a { font-size: 0.75rem; padding: 8px 14px; letter-spacing: 0.2em; color: rgba(245,230,192,0.65); }
  .nav-menu-cta { margin: 0; padding: 0; border: none; margin-left: 16px; }
  .nav-menu-cta .btn { min-height: 38px; padding: 8px 20px; font-size: 0.72rem; }
}

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--tap-min); padding: 12px 28px; font-family: var(--font-body); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.15em; text-transform: uppercase; text-decoration: none; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: background 0.2s, color 0.2s; }
.btn-primary { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-primary:hover { background: #9A7520; color: var(--white); border-color: #9A7520; }
.btn-outline-light { background: transparent; color: var(--gold-pale); border-color: rgba(232,201,122,0.4); }
.btn-outline-light:hover { background: rgba(232,201,122,0.08); border-color: var(--gold-light); color: var(--gold-light); text-decoration: none; }

/* ── HERO ── */
.work-hero {
  background: var(--navy-deep);
  padding: 130px 0 80px;
  position: relative;
  overflow: hidden;
}

.work-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(232,201,122,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,201,122,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

/* Charlotte skyline suggestion — abstract geometric */
.work-hero::after {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 300px; height: 160px;
  background:
    linear-gradient(rgba(184,148,58,0.04), transparent),
    repeating-linear-gradient(
      90deg,
      transparent,
      transparent 18px,
      rgba(184,148,58,0.04) 18px,
      rgba(184,148,58,0.04) 20px
    );
  pointer-events: none;
}

.work-hero-inner { position: relative; z-index: 1; }

.work-eyebrow {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.45em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.work-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gold);
  flex-shrink: 0;
}

.work-hero h1 { color: var(--white); margin-bottom: 24px; }
.work-hero h1 em { color: var(--gold-light); font-style: italic; }

.work-hero-deck {
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--text-on-dark-muted);
  max-width: 580px;
  margin-bottom: 40px;
}

/* Contact buttons — big, tap-friendly */
.contact-buttons {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 400px;
}

@media (min-width: 480px) {
  .contact-buttons { flex-direction: row; max-width: none; }
}

.contact-btn {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 24px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 700;
  font-size: 1rem;
  transition: background 0.2s, transform 0.15s;
  min-height: 64px;
  flex: 1;
}

.contact-btn:hover { transform: translateY(-2px); text-decoration: none; }

.contact-btn-call {
  background: var(--gold);
  color: var(--navy-deep);
}

.contact-btn-call:hover { background: #9A7520; color: var(--white); }

.contact-btn-text {
  background: rgba(255,255,255,0.07);
  border: 2px solid rgba(232,201,122,0.3);
  color: var(--gold-pale);
}

.contact-btn-text:hover { background: rgba(255,255,255,0.1); border-color: rgba(232,201,122,0.5); color: var(--gold-pale); }

.contact-btn-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}

.contact-btn-call .contact-btn-icon { background: rgba(0,0,0,0.12); }
.contact-btn-text .contact-btn-icon { background: rgba(255,255,255,0.08); }

.contact-btn-content { display: flex; flex-direction: column; line-height: 1.2; }
.contact-btn-label { font-size: 0.62rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; opacity: 0.7; margin-bottom: 2px; }
.contact-btn-value { font-family: var(--font-display); font-size: 1rem; font-weight: 700; }

/* Service area badge */
.service-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 28px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: rgba(232,201,122,0.45);
}

.service-badge::before {
  content: '📍';
  font-size: 0.9rem;
}

/* ── WHO THIS IS FOR ── */
.who-section {
  padding: 80px 0;
  background: var(--white);
}

.section-eyebrow {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}

.section-rule {
  display: block;
  width: 40px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin-bottom: 20px;
}

.audience-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: 36px;
}

@media (min-width: 580px) {
  .audience-grid { grid-template-columns: 1fr 1fr; }
}

.audience-card {
  background: var(--cream);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
}

.audience-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
}

.audience-t65::before { background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.audience-kids::before { background: linear-gradient(90deg, #1A4A7A, #4A7AAA); }

.audience-icon {
  font-size: 2rem;
  margin-bottom: 16px;
  display: block;
  line-height: 1;
}

.audience-card h3 {
  font-size: 1.05rem;
  margin-bottom: 10px;
  color: var(--navy);
}

.audience-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.audience-fits {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.audience-fits li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.45;
  margin: 0;
}

.audience-fits li::before {
  content: '→';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── WHAT TO EXPECT ── */
.expect-section {
  padding: 80px 0;
  background: var(--cream);
}

.expect-steps {
  display: flex;
  flex-direction: column;
  gap: 3px;
  margin-top: 36px;
}

.expect-step {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 0;
  border-radius: 2px;
  overflow: hidden;
}

.expect-step-num {
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.2rem;
  color: var(--gold-light);
  padding: 20px 12px;
}

.expect-step-body {
  background: var(--white);
  padding: 20px 24px;
  border: 1px solid var(--cream-mid);
  border-left: none;
}

.expect-step-body h4 {
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 4px;
}

.expect-step-body p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin: 0;
}

@media (max-width: 360px) {
  .expect-step {
    grid-template-columns: 1fr;
  }

  .expect-step-num {
    padding: 12px;
  }

  .expect-step-body {
    border-left: 1px solid var(--cream-mid);
    border-top: none;
  }
}

/* ── NOT A GOOD FIT ── */
.not-for-section {
  padding: 72px 0;
  background: var(--white);
}

.honest-box {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 40px;
  position: relative;
  overflow: hidden;
}

.honest-box::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at bottom right, rgba(184,148,58,0.08), transparent 60%);
  pointer-events: none;
}

.honest-box-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: block;
}

.honest-box h3 {
  color: var(--gold-pale);
  margin-bottom: 16px;
  font-size: clamp(1.05rem, 2.5vw, 1.3rem);
}

.honest-box p {
  color: var(--text-on-dark-muted);
  font-size: 0.92rem;
  margin-bottom: 12px;
}

.not-for-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 16px;
}

.not-for-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-on-dark-muted);
  line-height: 1.5;
  margin: 0;
}

.not-for-list li::before {
  content: '✕';
  color: rgba(184,74,42,0.7);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ── SERVICE AREA ── */
.area-section {
  padding: 80px 0;
  background: var(--cream);
}

.area-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-top: 32px;
}

@media (min-width: 560px) {
  .area-grid { grid-template-columns: repeat(3, 1fr); }
}

.area-card {
  background: var(--white);
  border: 1px solid var(--cream-mid);
  border-radius: var(--radius);
  padding: 16px 18px;
  text-align: center;
}

.area-card-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 2px;
}

.area-card-detail {
  font-size: 0.72rem;
  color: var(--text-muted);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.area-note {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 20px;
  font-style: italic;
}

/* ── CONTACT SECTION ── */
.contact-section {
  padding: 80px 0;
  background: var(--navy-deep);
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
}

@media (min-width: 700px) {
  .contact-inner { grid-template-columns: 1fr 1fr; gap: 64px; }
}

.contact-left h2 { color: var(--gold-pale); margin-bottom: 16px; font-size: clamp(1.3rem, 3.5vw, 1.9rem); }
.contact-left p { color: var(--text-on-dark-muted); font-size: 0.92rem; margin-bottom: 16px; }

.contact-methods {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 32px;
}

.contact-method {
  display: flex;
  align-items: center;
  gap: 16px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(232,201,122,0.15);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  transition: background 0.2s, border-color 0.2s;
  min-height: var(--tap-min);
}

.contact-method:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(232,201,122,0.3);
  text-decoration: none;
}

.contact-method-icon {
  font-size: 1.2rem;
  width: 40px;
  height: 40px;
  background: rgba(184,148,58,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-method-body { display: flex; flex-direction: column; line-height: 1.25; }
.contact-method-label { font-size: 0.62rem; font-weight: 700; letter-spacing: 0.3em; text-transform: uppercase; color: var(--gold); margin-bottom: 3px; }
.contact-method-value { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--gold-pale); }
.contact-method-note { font-size: 0.72rem; color: var(--text-on-dark-muted); margin-top: 2px; }

.contact-right {
  border-left: none;
  padding-left: 0;
}

@media (min-width: 700px) {
  .contact-right {
    border-left: 1px solid rgba(232,201,122,0.1);
    padding-left: 64px;
  }
}

.contact-right h3 {
  color: var(--gold-pale);
  margin-bottom: 20px;
  font-size: 1.1rem;
}

.what-to-have {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.what-to-have li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-on-dark-muted);
  line-height: 1.5;
  margin: 0;
}

.what-to-have li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

.no-pressure-note {
  margin-top: 32px;
  padding: 20px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(232,201,122,0.12);
  border-radius: var(--radius);
}

.no-pressure-note p {
  font-size: 0.85rem;
  color: var(--text-on-dark-muted);
  margin: 0;
  line-height: 1.65;
}

/* ── NEWSLETTER ── */
.nl-section { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 64px 0; }
.nl-form { display: flex; flex-direction: column; gap: 12px; max-width: 480px; }
@media (min-width: 600px) { .nl-form { flex-direction: row; gap: 0; } .nl-form input { border-radius: var(--radius) 0 0 var(--radius); border-right: none; flex: 1; } .nl-form .btn { border-radius: 0 var(--radius) var(--radius) 0; } }
input[type="email"] { min-height: var(--tap-min); padding: 12px 18px; font-family: var(--font-body); font-size: 1rem; background: rgba(255,255,255,0.07); border: 2px solid rgba(232,201,122,0.25); border-radius: var(--radius); color: var(--text-on-dark); outline: none; transition: border-color 0.2s; -webkit-appearance: none; }
input[type="email"]::placeholder { color: rgba(245,230,192,0.35); }
input[type="email"]:focus { border-color: var(--gold-light); }
.form-fine { font-size: 0.72rem; color: rgba(201,168,74,0.4); line-height: 1.5; margin-top: 10px; }

.site-footer { background: var(--navy-deep); border-top: 1px solid rgba(232,201,122,0.1); padding: 40px 0; }
.footer-inner { display: flex; flex-direction: column; gap: 16px; }
@media (min-width: 640px) { .footer-inner { flex-direction: row; justify-content: space-between; align-items: flex-start; } }
.footer-brand { font-family: var(--font-display); font-weight: 900; font-size: 1rem; color: var(--gold-pale); }
.footer-links-row { display: flex; flex-wrap: wrap; gap: 4px; list-style: none; padding: 0; }
.footer-links-row a { display: inline-flex; align-items: center; min-height: var(--tap-min); padding: 4px 12px; font-size: 0.8rem; color: rgba(245,230,192,0.4); text-decoration: none; transition: color 0.2s; }
.footer-links-row a:hover { color: var(--gold-light); }
.footer-disclaimer { font-size: 0.7rem; color: rgba(245,230,192,0.18); line-height: 1.55; margin-top: 16px; }


/* =============================================================
   === privacy-policy.html & disclaimer.html ===
   ============================================================= */

.legal-hero {
  background: var(--navy);
  padding: clamp(2.5rem, 6vw, 4rem) 0 clamp(2rem, 5vw, 3rem);
  text-align: center;
}

.legal-hero h1 {
  color: var(--gold-light);
  margin-bottom: 0.5rem;
}

.legal-hero .work-eyebrow {
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.legal-meta {
  font-size: 0.85rem;
  color: rgba(245, 230, 192, 0.5);
  margin-top: 0.5rem;
}

.legal-body {
  padding: clamp(2.5rem, 6vw, 4rem) 0 clamp(3rem, 8vw, 5rem);
}

.legal-body h2 {
  color: var(--navy);
  margin-top: 2.5rem;
  margin-bottom: 0.6rem;
  padding-bottom: 0.4rem;
  border-bottom: 2px solid var(--gold);
}

.legal-body h2:first-of-type {
  margin-top: 0;
}

.legal-body p {
  margin-bottom: 1rem;
  line-height: 1.7;
}

.legal-body ul {
  margin: 0 0 1rem 1.25rem;
  line-height: 1.7;
}

.legal-body ul li {
  margin-bottom: 0.4rem;
}

.legal-body a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.legal-body a:hover {
  color: var(--gold);
}

/* =============================================================
   === 404.html ===
   ============================================================= */

.not-found-section {
  min-height: 70vh;
  display: flex;
  align-items: center;
  padding: clamp(3rem, 8vw, 6rem) 0;
  background: var(--cream);
}

.not-found-inner {
  text-align: center;
  max-width: 560px;
  margin-inline: auto;
}

.not-found-code {
  font-family: var(--font-display);
  font-size: clamp(5rem, 20vw, 10rem);
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.25rem;
  opacity: 0.35;
}

.not-found-inner h1 {
  color: var(--navy);
  margin-bottom: 1rem;
}

.not-found-sub {
  color: var(--text-muted);
  margin-bottom: 2rem;
  line-height: 1.7;
}

.not-found-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.not-found-help {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.not-found-help a {
  color: var(--navy);
  text-underline-offset: 3px;
}

.not-found-help a:hover {
  color: var(--gold);
}

/* =============================================================
   === glossary.html ===
   ============================================================= */

.glossary-alpha-nav {
  background: var(--navy);
  padding: 0.75rem 0;
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 2px solid var(--gold);
}

.glossary-alpha-list {
  display: flex;
  flex-wrap: wrap;
  gap: 2px;
  list-style: none;
  padding: 0;
  justify-content: center;
}

.glossary-alpha-list a,
.glossary-alpha-inactive {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  font-size: 0.8rem;
  font-weight: 700;
  font-family: var(--font-display);
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.15s, color 0.15s;
}

.glossary-alpha-list a {
  color: var(--gold-light);
  background: rgba(255,255,255,0.06);
}

.glossary-alpha-list a:hover {
  background: var(--gold);
  color: var(--navy);
}

.glossary-alpha-inactive {
  color: rgba(245,230,192,0.2);
  cursor: default;
}

.glossary-body {
  padding: clamp(2.5rem, 6vw, 4rem) 0 clamp(3rem, 8vw, 5rem);
}

.glossary-group {
  margin-bottom: 3rem;
}

.glossary-letter {
  font-family: var(--font-display);
  font-size: clamp(2rem, 6vw, 3rem);
  color: var(--gold);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 0.25rem;
  margin-bottom: 1.25rem;
}

.glossary-term {
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--cream-mid, #e8ddc8);
}

.glossary-term:last-child {
  border-bottom: none;
}

.glossary-term h3 {
  color: var(--navy);
  font-size: 1rem;
  margin-bottom: 0.4rem;
}

.glossary-term p {
  font-size: 0.95rem;
  line-height: 1.7;
  margin: 0;
}

.glossary-cta {
  margin-top: 3rem;
  padding: 2rem;
  background: var(--navy);
  border-radius: var(--radius-lg);
  text-align: center;
  color: var(--gold-pale);
}

.glossary-cta p {
  margin-bottom: 1rem;
  font-size: 1.05rem;
}

/* =============================================================
   === newsletter.html ===
   ============================================================= */

.nl-landing-hero {
  background: var(--navy);
  padding: clamp(3rem, 8vw, 5.5rem) 0 clamp(2.5rem, 6vw, 4rem);
  text-align: center;
}

.nl-landing-hero-inner {
  max-width: 640px;
  margin-inline: auto;
}

.nl-landing-hero h1 {
  color: var(--gold-light);
  margin-bottom: 1rem;
}

.nl-landing-sub {
  color: rgba(245,230,192,0.75);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.nl-landing-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  justify-content: center;
}

.nl-trust-badge {
  background: rgba(184,148,58,0.2);
  color: var(--gold-light);
  border: 1px solid rgba(184,148,58,0.4);
  border-radius: 999px;
  padding: 0.3rem 0.9rem;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.nl-landing-form-section {
  padding: clamp(2.5rem, 6vw, 4rem) 0;
  background: var(--cream);
}

.nl-landing-form-box {
  background: var(--white);
  border: 1px solid var(--cream-mid, #e8ddc8);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  max-width: 560px;
  margin-inline: auto;
  box-shadow: var(--shadow-md);
}

.nl-landing-form-box h2 {
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.nl-landing-form-box > p {
  color: var(--text-muted);
  margin-bottom: 1.5rem;
  font-size: 0.95rem;
}

.nl-landing-fields {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 1rem;
}

.nl-landing-field {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.nl-landing-field input {
  width: 100%;
  padding: 0.65rem 0.875rem;
  border: 1px solid var(--cream-mid, #e8ddc8);
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-family: var(--font-sans);
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.15s;
}

.nl-landing-field input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,148,58,0.15);
}

.nl-landing-submit {
  width: 100%;
  margin-top: 0.25rem;
}

.nl-what-section {
  padding: clamp(2.5rem, 6vw, 4rem) 0;
}

.nl-what-heading {
  text-align: center;
  color: var(--navy);
  margin-bottom: 2rem;
}

.nl-what-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

@media (min-width: 560px) {
  .nl-what-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 900px) {
  .nl-what-grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

.nl-what-card {
  background: var(--white);
  border: 1px solid var(--cream-mid, #e8ddc8);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}

.nl-what-icon {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.nl-what-card h3 {
  color: var(--navy);
  font-size: 0.95rem;
  margin-bottom: 0.5rem;
}

.nl-what-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
}

.nl-who-section {
  background: var(--cream);
  padding: clamp(2.5rem, 6vw, 4rem) 0;
}

.nl-who-section h2 {
  color: var(--navy);
  margin-bottom: 1.25rem;
}

.nl-who-list {
  margin: 0 0 1.25rem 1.25rem;
  line-height: 1.8;
}

.nl-who-list li {
  margin-bottom: 0.4rem;
}

.nl-who-note {
  font-size: 0.88rem;
  color: var(--text-muted);
  font-style: italic;
}

.nl-honest-section {
  padding: clamp(2rem, 5vw, 3rem) 0;
}

.nl-second-cta {
  background: var(--navy);
  padding: clamp(2.5rem, 6vw, 4rem) 0;
  text-align: center;
}

.nl-second-cta h2 {
  color: var(--gold-light);
  margin-bottom: 0.75rem;
}

.nl-second-cta p {
  color: rgba(245,230,192,0.7);
  margin-bottom: 1.5rem;
}

/* =============================================================
   === medicare-costs-2026.html ===
   ============================================================= */

.costs-body {
  padding: clamp(2.5rem, 6vw, 4rem) 0 clamp(3rem, 8vw, 5rem);
}

.costs-intro {
  margin-bottom: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 2px solid var(--gold);
}

.costs-intro p {
  font-size: 1.05rem;
  line-height: 1.7;
  margin: 0;
}

.costs-section {
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--cream-mid, #e8ddc8);
}

.costs-section:last-of-type {
  border-bottom: none;
}

.costs-section h2 {
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.costs-section h3 {
  color: var(--navy);
  font-size: 0.95rem;
  margin: 1.25rem 0 0.5rem;
}

.costs-section p,
.costs-section li {
  line-height: 1.7;
  margin-bottom: 0.75rem;
}

.costs-section ul {
  margin: 0 0 1rem 1.25rem;
}

.costs-table-wrap {
  overflow-x: auto;
  margin: 1.25rem 0;
  border-radius: var(--radius-md);
  border: 1px solid var(--cream-mid, #e8ddc8);
}

.costs-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.costs-table th {
  background: var(--navy);
  color: var(--gold-light);
  font-family: var(--font-display);
  font-weight: 700;
  padding: 0.7rem 1rem;
  text-align: left;
  white-space: nowrap;
}

.costs-table td {
  padding: 0.65rem 1rem;
  border-bottom: 1px solid var(--cream-mid, #e8ddc8);
  vertical-align: top;
  line-height: 1.5;
}

.costs-table tbody tr:last-child td {
  border-bottom: none;
}

.costs-table tbody tr:nth-child(even) {
  background: var(--cream);
}

.costs-note {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-style: italic;
  border-left: 3px solid var(--gold);
  padding-left: 0.875rem;
  margin-top: 0.5rem;
}

/* =============================================================
   === tools-resources.html ===
   ============================================================= */

.tools-body {
  padding: clamp(2.5rem, 6vw, 4rem) 0 clamp(3rem, 8vw, 5rem);
}

.tools-resource {
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--cream-mid, #e8ddc8);
}

.tools-resource:last-of-type {
  border-bottom: none;
}

.tools-resource-header {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 0.75rem 1.5rem;
  margin-bottom: 0.75rem;
}

.tools-resource-header h2 {
  color: var(--navy);
  margin: 0;
}

.tools-external-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold);
  text-decoration: none;
  white-space: nowrap;
  border-bottom: 1px solid currentColor;
  padding-bottom: 1px;
  transition: color 0.15s;
}

.tools-external-link:hover {
  color: var(--navy);
}

.tools-resource-what {
  background: var(--cream);
  border-left: 3px solid var(--gold);
  padding: 0.75rem 1rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-bottom: 1rem;
  font-size: 0.95rem;
}

.tools-resource p,
.tools-resource li {
  line-height: 1.7;
  margin-bottom: 0.75rem;
  font-size: 0.95rem;
}

.tools-resource ul,
.tools-resource ol {
  margin: 0.5rem 0 1rem 1.25rem;
}

.tools-steps {
  margin: 0.75rem 0 1rem 1.25rem;
}

.tools-steps li {
  margin-bottom: 0.6rem;
}

.tools-tip {
  background: rgba(184,148,58,0.08);
  border: 1px solid rgba(184,148,58,0.3);
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-top: 1rem;
}

.tools-tip p {
  margin: 0;
  font-size: 0.88rem;
  color: var(--navy);
}

.tools-resource a:not(.tools-external-link) {
  color: var(--navy);
  text-underline-offset: 3px;
}

.tools-resource a:not(.tools-external-link):hover {
  color: var(--gold);
}

/* =============================================================
   === Bug fixes — missing/scoped class overrides ===
   ============================================================= */

/* nl-intro used standalone outside .nl-section (about.html) */
.nl-intro {
  font-size: 1rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

/* ============================================
   SHARED UTILITIES
   ============================================ */
.page-updated-meta {
  font-size: 0.72rem;
  font-weight: 400;
  color: rgba(245,230,192,0.45);
  margin-top: 12px;
  margin-bottom: 0;
}

/* Article newsletter block — replaces repeated inline styles */
.article-newsletter-block {
  margin-top: 56px;
  padding-top: 48px;
  border-top: 1px solid rgba(232,201,122,0.12);
}

.article-newsletter-block h2 {
  color: var(--gold-pale);
  margin-bottom: 12px;
  font-size: clamp(1.4rem, 3vw, 2rem);
}

.article-newsletter-desc {
  color: var(--text-on-dark-muted);
  margin-bottom: 24px;
  max-width: 500px;
}

/* Article list — replaces inline list styles */
.article-list {
  color: var(--text-secondary);
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.article-list li {
  margin-bottom: 8px;
}