/* ============================================================
   MSME Central — Main Stylesheet
   assets/css/style.css
   ============================================================ */

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

:root {
    --navy:        #0D2B55;
    --blue:        #1B5EBE;   /* matched to logo "MSME" blue  */
    --blue-h:      #1348A0;
    --gold:        #C85A1A;   /* matched to logo "Central" burnt orange */
    --gold-h:      #B04F17;
    --white:       #FFFFFF;
    --off-white:   #F7F9FC;
    --light:       #EEF2F7;
    --mid:         #9EAABF;
    --dark:        #3D4C63;
    --text:        #1A2535;
    --success:     #1E8A4A;
    --radius:      8px;
    --radius-lg:   16px;
    --shadow:      0 2px 12px rgba(13,43,85,.10);
    --shadow-lg:   0 6px 28px rgba(13,43,85,.15);
    --trans:       .2s ease;
    --max-w:       1160px;
    --font:        'Inter', 'Segoe UI', Arial, sans-serif;
}

html { scroll-behavior: smooth; }

body {
    font-family: var(--font);
    color: var(--text);
    font-size: 16px;
    line-height: 1.6;
    background: var(--white);
}

img { max-width: 100%; display: block; }
a  { color: var(--blue); text-decoration: none; transition: color var(--trans); }
a:hover { color: var(--blue-h); }
ul { list-style: none; }

.container {
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 24px;
}

/* ── UTILITY ──────────────────────────────────────────────── */
.center    { text-align: center; }
.mt-16     { margin-top: 16px; }
.mt-24     { margin-top: 24px; }
.mt-32     { margin-top: 32px; }
.text-gold { color: var(--gold); }

.eyebrow {
    display: inline-block;
    font-size: .75rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--blue);
    margin-bottom: 10px;
}
.eyebrow--gold { color: var(--gold); }

.section        { padding: 72px 0; }
.section--white { background: var(--white); }
.section--grey  { background: var(--off-white); }
.section--navy  { background: linear-gradient(135deg, var(--navy) 0%, #1A3D6E 100%); }
.section--cta   { background: linear-gradient(135deg, var(--navy) 0%, #1A3D6E 100%); }

.section--navy *,
.section--cta  * { color: rgba(255,255,255,.85); }
.section--cta h2,
.section--navy h2 { color: var(--white) !important; }
.section--cta a:not(.btn) { color: var(--gold); }
.section--navy a:not(.btn) { color: var(--gold); }

.section-header {
    text-align: center;
    max-width: 680px;
    margin: 0 auto 48px;
}
.section-header--light .eyebrow { color: var(--gold); }
.section-header--light h2,
.section-header--light p { color: rgba(255,255,255,.9); }

h1 { font-size: clamp(1.9rem,4vw,3rem); font-weight: 800; line-height: 1.2; color: var(--navy); }
h2 { font-size: clamp(1.5rem,3vw,2.2rem); font-weight: 800; line-height: 1.3; color: var(--navy); margin-bottom: 14px; }
h3 { font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
p  { margin-bottom: 12px; }

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 11px 22px; border-radius: var(--radius);
    font-weight: 600; font-size: .93rem; line-height: 1.2;
    border: 2px solid transparent; cursor: pointer;
    transition: all var(--trans); text-decoration: none;
}
.btn--primary       { background: var(--blue);  color: var(--white); border-color: var(--blue); }
.btn--primary:hover { background: var(--blue-h); border-color: var(--blue-h); color: var(--white); }
.btn--secondary       { background: var(--gold);  color: var(--navy);  border-color: var(--gold); }
.btn--secondary:hover { background: var(--gold-h); border-color: var(--gold-h); color: var(--navy); }
.btn--outline       { background: transparent; color: var(--blue);  border-color: var(--blue); }
.btn--outline:hover { background: var(--blue); color: var(--white); }
.btn--outline-white       { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn--outline-white:hover { background: rgba(255,255,255,.15); color: var(--white); border-color: var(--white); }
.btn--white       { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn--white:hover { background: var(--off-white); }
.btn--text  { background: none; border: none; padding: 0; color: var(--blue); font-weight: 600; }
.btn--text:hover { color: var(--navy); text-decoration: underline; }
.btn--full  { width: 100%; justify-content: center; }
.btn--nav   { padding: 8px 18px; font-size: .85rem; }
.btn--wa    { background: #25D366; color: var(--white) !important; border-color: #25D366; }
.btn--wa:hover { background: #1da851; border-color: #1da851; color: var(--white); }
.link-arrow { font-weight: 600; color: var(--blue); font-size: .9rem; }
.link-arrow:hover { color: var(--navy); }

/* ── TOP BAR ──────────────────────────────────────────────── */
.top-bar { background: var(--navy); padding: 6px 0; font-size: .78rem; color: rgba(255,255,255,.7); }
.top-bar__inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 6px; }
.top-bar__tag   { color: var(--gold); font-weight: 600; }
.top-bar__contacts { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.top-bar__contacts a { color: rgba(255,255,255,.8); display: inline-flex; align-items: center; gap: 4px; }
.top-bar__contacts a:hover { color: var(--gold); }
.top-bar__contacts span { display: inline-flex; align-items: center; gap: 4px; }

/* ── HEADER ───────────────────────────────────────────────── */
.site-header {
    background: var(--white);
    border-bottom: 3px solid var(--gold);
    box-shadow: var(--shadow);
    position: sticky; top: 0; z-index: 100;
}
.header__inner {
    display: flex; align-items: center;
    justify-content: space-between;
    padding-top: 12px; padding-bottom: 12px;
    gap: 24px;
}
.site-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.site-logo__img {
    height: 58px;
    width: auto;
    display: block;
    image-rendering: -webkit-optimize-contrast;
}
.site-nav { display: flex; align-items: center; gap: 6px; }
.nav-link { font-weight: 500; font-size: .9rem; color: var(--dark); padding: 6px 10px; border-radius: var(--radius); transition: all var(--trans); }
.nav-link:hover, .nav-link--active { color: var(--blue); background: var(--off-white); }
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all var(--trans); }

/* ── TRUST BAR ────────────────────────────────────────────── */
.trust-bar { background: var(--off-white); border-bottom: 1px solid var(--light); padding: 7px 0; font-size: .78rem; color: var(--dark); }
.trust-bar__inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 28px; }

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
    position: relative;
    background: linear-gradient(135deg, var(--navy) 0%, #1A3D6E 100%);
    color: var(--white); padding: 80px 0;
    overflow: hidden;
}
.hero__overlay {
    position: absolute; inset: 0;
    background: radial-gradient(ellipse at 70% 50%, rgba(26,92,184,.3) 0%, transparent 60%);
}
.hero__inner {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 48px; align-items: start;
    position: relative; z-index: 1;
}
.hero__content h1 { color: var(--white); margin-bottom: 18px; }
.hero__sub { color: rgba(255,255,255,.82); font-size: 1.05rem; line-height: 1.7; margin-bottom: 30px; max-width: 540px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 16px; }
.hero__location { font-size: .82rem; color: rgba(255,255,255,.55); }

.hero__form-box {
    background: var(--white); border-radius: var(--radius-lg);
    padding: 28px; box-shadow: var(--shadow-lg); color: var(--text);
}
.hero__form-box h3 { color: var(--navy); margin-bottom: 4px; }
.hero__form-box > p { font-size: .85rem; color: var(--mid); margin-bottom: 16px; }

/* ── QUICK FORM ───────────────────────────────────────────── */
.quick-form { display: flex; flex-direction: column; gap: 10px; }
.quick-form input,
.quick-form select,
.contact-form input,
.contact-form select,
.contact-form textarea,
.nl-form input {
    width: 100%; padding: 10px 14px;
    border: 1.5px solid var(--light); border-radius: var(--radius);
    font-size: .9rem; font-family: var(--font); color: var(--text);
    background: var(--off-white); transition: border-color var(--trans);
}
.quick-form input:focus,
.quick-form select:focus,
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus,
.nl-form input:focus {
    outline: none; border-color: var(--blue); background: var(--white);
}
.quick-form button,
.contact-form button[type=submit],
.nl-form button {
    width: 100%; padding: 12px;
    background: var(--blue); color: var(--white); border: none;
    border-radius: var(--radius); font-weight: 700; font-size: .95rem;
    font-family: var(--font); cursor: pointer; transition: background var(--trans);
}
.quick-form button:hover,
.contact-form button[type=submit]:hover,
.nl-form button:hover { background: var(--blue-h); }
.form-note { font-size: .78rem; color: var(--mid); text-align: center; margin-top: 6px; }
.form-msg  { font-size: .88rem; margin-top: 8px; }

/* ── STATS BAND ───────────────────────────────────────────── */
.stats-band { background: var(--gold); padding: 36px 0; }
.stats-grid { display: flex; flex-wrap: wrap; justify-content: space-around; gap: 20px; text-align: center; }
.stat-item  { }
.stat-value { display: block; font-size: clamp(1.8rem,3vw,2.4rem); font-weight: 800; color: var(--navy); line-height: 1; margin-bottom: 4px; }
.stat-label { display: block; font-size: .8rem; font-weight: 600; color: var(--navy); max-width: 130px; margin: 0 auto; line-height: 1.4; }

/* ── TWO COL ──────────────────────────────────────────────── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.two-col__text p { color: var(--dark); line-height: 1.75; }
.gap-cards { display: flex; flex-direction: column; gap: 16px; }
.gap-card  { border-radius: var(--radius-lg); padding: 22px 24px; }
.gap-card h4 { margin-bottom: 10px; }
.gap-card ul { display: flex; flex-direction: column; gap: 6px; font-size: .88rem; }
.gap-card--bad  { background: #FFF1F0; border: 1.5px solid #FFB3AE; }
.gap-card--bad h4  { color: #C0392B; }
.gap-card--good { background: #F0FFF4; border: 1.5px solid #A8E6BC; }
.gap-card--good h4 { color: var(--success); }

/* ── SERVICES GRID ────────────────────────────────────────── */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 20px; margin-bottom: 36px; }
.service-tile {
    background: var(--white); border: 1.5px solid var(--light);
    border-radius: var(--radius-lg); padding: 26px;
    box-shadow: var(--shadow); transition: all var(--trans);
}
.service-tile:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); border-color: var(--blue); }
.service-tile__icon { font-size: 2rem; display: block; margin-bottom: 12px; }
.service-tile h3  { font-size: 1rem; margin-bottom: 8px; }
.service-tile p   { font-size: .88rem; color: var(--dark); line-height: 1.6; margin-bottom: 14px; }

/* ── LOCATION GRID ────────────────────────────────────────── */
.location-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(220px,1fr)); gap: 20px; margin-bottom: 36px; }
.location-card { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15); border-radius: var(--radius-lg); padding: 24px; transition: background var(--trans); }
.location-card:hover { background: rgba(255,255,255,.14); }
.location-card__icon { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.location-card h4 { color: var(--gold); }
.location-card p  { font-size: .88rem; color: rgba(255,255,255,.78); line-height: 1.6; }
.scheme-box { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius-lg); padding: 28px 32px; }
.scheme-box h3 { color: var(--gold); margin-bottom: 16px; }
.scheme-list { display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 6px 24px; }
.scheme-list li { font-size: .88rem; color: rgba(255,255,255,.82); padding-left: 14px; position: relative; line-height: 1.7; }
.scheme-list li::before { content: '›'; position: absolute; left: 0; color: var(--gold); }

/* ── WHY GRID ─────────────────────────────────────────────── */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 24px; }
.why-item { border-left: 4px solid var(--gold); background: var(--off-white); border-radius: 0 var(--radius) var(--radius) 0; padding: 22px 24px; }
.why-item__icon { font-size: 1.7rem; display: block; margin-bottom: 10px; }
.why-item h4 { margin-bottom: 6px; }
.why-item p  { font-size: .88rem; color: var(--dark); line-height: 1.65; margin: 0; }

/* ── BANK PILLS ───────────────────────────────────────────── */
.bank-pills { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.bank-pill  { background: var(--white); border: 1.5px solid var(--light); border-radius: 999px; padding: 7px 16px; font-size: .85rem; font-weight: 600; color: var(--navy); transition: all var(--trans); }
.bank-pill:hover { border-color: var(--blue); color: var(--blue); }

/* ── PROCESS STEPS ────────────────────────────────────────── */
.process-steps { display: grid; grid-template-columns: repeat(auto-fit,minmax(220px,1fr)); gap: 24px; position: relative; }
.process-step  { text-align: center; padding: 0 12px; }
.step-num {
    width: 54px; height: 54px; border-radius: 50%;
    background: var(--blue); color: var(--white);
    font-size: 1.15rem; font-weight: 800;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px;
}
.step-body h4 { margin-bottom: 6px; }
.step-body p  { font-size: .88rem; color: var(--dark); line-height: 1.6; }

/* ── TESTIMONIALS ─────────────────────────────────────────── */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(280px,1fr)); gap: 22px; }
.testimonial-card { background: var(--white); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.testimonial-card blockquote { font-style: italic; font-size: .93rem; color: var(--dark); line-height: 1.7; border: none; padding: 0; margin: 0 0 14px; }
.testimonial-author strong { display: block; color: var(--navy); font-size: .9rem; margin-bottom: 2px; }
.testimonial-author span   { display: block; font-size: .8rem; color: var(--mid); line-height: 1.5; }
.outcome-badge {
    display: inline-block !important; margin-top: 8px;
    background: rgba(26,92,184,.08); color: var(--blue) !important;
    padding: 2px 10px; border-radius: 999px;
    font-size: .75rem !important; font-weight: 600;
}
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

/* ── PAGE HERO ────────────────────────────────────────────── */
.page-hero {
    background: linear-gradient(135deg, var(--navy) 0%, #1A3D6E 100%);
    color: var(--white); padding: 64px 0;
}
.page-hero--short { padding: 48px 0; }
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p  { color: rgba(255,255,255,.8); max-width: 600px; font-size: 1.05rem; }

/* ── CONTACT PAGE ─────────────────────────────────────────── */
.contact-layout { display: grid; grid-template-columns: 1fr 360px; gap: 48px; align-items: start; }
.contact-form-wrap h2 { margin-bottom: 6px; }
.form-intro { font-size: .88rem; color: var(--mid); margin-bottom: 24px; }
.form-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-group { display: flex; flex-direction: column; gap: 5px; }
.form-group label { font-size: .83rem; font-weight: 600; color: var(--dark); }
.contact-form textarea { resize: vertical; min-height: 120px; margin-bottom: 14px; }
.form-errors { background: #FFF1F0; border: 1.5px solid #FFB3AE; border-radius: var(--radius); padding: 14px 18px; margin-bottom: 20px; }
.form-errors p { color: #C0392B; font-size: .88rem; margin: 0; }
.form-success { background: #F0FFF4; border: 1.5px solid #A8E6BC; border-radius: var(--radius-lg); padding: 36px; text-align: center; }
.form-success__icon { font-size: 3rem; margin-bottom: 12px; }
.form-success h3 { color: var(--success); margin-bottom: 10px; }
.contact-info__card { background: var(--off-white); border-radius: var(--radius-lg); padding: 26px; margin-bottom: 20px; border: 1.5px solid var(--light); }
.contact-info__tagline { font-size: .8rem; color: var(--mid); margin-bottom: 20px; }
.contact-detail-list { display: flex; flex-direction: column; gap: 14px; }
.contact-detail-list li { display: flex; align-items: flex-start; gap: 12px; font-size: .88rem; color: var(--dark); line-height: 1.5; }
.contact-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.contact-detail-list strong { display: block; color: var(--navy); font-size: .82rem; margin-bottom: 2px; }
.footer-hours { font-size: .8rem; color: var(--mid); margin-top: 8px; }
.contact-info__note { background: var(--navy); border-radius: var(--radius-lg); padding: 22px 26px; }
.contact-info__note h4 { color: var(--gold); margin-bottom: 12px; }
.response-steps { list-style: decimal; padding-left: 18px; display: flex; flex-direction: column; gap: 8px; }
.response-steps li { font-size: .88rem; color: rgba(255,255,255,.8); line-height: 1.5; }

/* ── KNOWLEDGE HUB ────────────────────────────────────────── */
.hub-hero-inner  { display: grid; grid-template-columns: 1fr 260px; gap: 48px; align-items: start; }
.hub-hero-content h1 { color: var(--white); margin-bottom: 14px; }
.hub-hero-content p  { color: rgba(255,255,255,.8); margin-bottom: 10px; }
.hub-hero-meta { font-size: .82rem; color: rgba(255,255,255,.55); margin-top: 4px; }
.hub-hero-meta a { color: var(--gold); }
.hub-hero-quick { background: rgba(255,255,255,.1); border-radius: var(--radius-lg); padding: 20px 24px; border: 1px solid rgba(255,255,255,.15); }
.hub-hero-quick h4 { color: var(--gold); margin-bottom: 12px; }
.hub-hero-quick ul { display: flex; flex-direction: column; gap: 8px; }
.hub-hero-quick a { color: rgba(255,255,255,.85); font-size: .9rem; }
.hub-hero-quick a:hover { color: var(--gold); }
.hub-layout  { display: grid; grid-template-columns: 1fr 300px; gap: 40px; align-items: start; }
.hub-section-title { font-size: 1.4rem; font-weight: 800; color: var(--navy); margin: 40px 0 8px; }
.hub-section-title:first-child { margin-top: 0; }
.hub-section-sub   { color: var(--dark); font-size: .9rem; margin-bottom: 24px; }

/* Policy watch */
.policy-watch { background: #FFF8E6; border: 1.5px solid var(--gold); border-radius: var(--radius-lg); padding: 22px 26px; margin-bottom: 36px; }
.policy-watch h3 { margin-bottom: 14px; }
.policy-alerts { display: flex; flex-direction: column; gap: 12px; margin-bottom: 10px; }
.policy-alerts li { display: flex; align-items: flex-start; gap: 8px; font-size: .88rem; color: var(--dark); line-height: 1.5; }
.policy-note { font-size: .8rem; color: var(--mid); margin: 0; }
.badge { display: inline-block; font-size: .65rem; font-weight: 800; padding: 2px 6px; border-radius: 4px; white-space: nowrap; flex-shrink: 0; margin-top: 2px; }
.badge--new       { background: #D4EDDA; color: #155724; }
.badge--update    { background: #D1ECF1; color: #0C5460; }
.badge--important { background: #FFF3CD; color: #856404; }

/* Articles */
.articles-grid { display: flex; flex-direction: column; gap: 24px; margin-bottom: 16px; }
.article-card  { border: 1.5px solid var(--light); border-radius: var(--radius-lg); padding: 24px; background: var(--white); box-shadow: var(--shadow); transition: all var(--trans); }
.article-card:hover { box-shadow: var(--shadow-lg); border-color: var(--blue); }
.article-card__meta { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 10px; }
.topic-badge  { background: var(--gold); color: var(--navy); font-size: .7rem; font-weight: 700; padding: 2px 8px; border-radius: 999px; }
.article-date, .read-time { font-size: .78rem; color: var(--mid); }
.article-card h3 { font-size: 1.05rem; line-height: 1.4; margin-bottom: 8px; }
.article-card h3 a { color: var(--navy); }
.article-card h3 a:hover { color: var(--blue); }
.article-card p  { font-size: .88rem; color: var(--dark); line-height: 1.65; margin-bottom: 12px; }

/* Resources */
.resources-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(240px,1fr)); gap: 18px; margin-bottom: 16px; }
.resource-card  { border: 1.5px solid var(--light); border-radius: var(--radius-lg); padding: 20px; background: var(--white); transition: all var(--trans); }
.resource-card:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.resource-icon { font-size: 1.7rem; display: block; margin-bottom: 8px; }
.resource-type { display: inline-block; font-size: .68rem; font-weight: 700; color: var(--blue); background: rgba(26,92,184,.08); padding: 2px 8px; border-radius: 999px; margin-bottom: 8px; text-transform: uppercase; letter-spacing: .04em; }
.resource-card h4 { font-size: .92rem; line-height: 1.4; margin-bottom: 6px; }
.resource-card p  { font-size: .83rem; color: var(--dark); line-height: 1.6; margin-bottom: 12px; }
.resource-dl { font-weight: 700; font-size: .85rem; color: var(--blue); }
.resource-dl:hover { color: var(--navy); text-decoration: underline; }

/* Glossary */
.glossary-teaser { background: var(--off-white); border-radius: var(--radius-lg); padding: 28px 30px; margin-top: 16px; }
.glossary-terms  { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0; }
.glossary-pill   { background: var(--white); border: 1.5px solid var(--blue); color: var(--blue); border-radius: 999px; padding: 5px 12px; font-size: .82rem; font-weight: 600; transition: all var(--trans); cursor: default; }
.glossary-pill:hover { background: var(--blue); color: var(--white); }

/* Sidebar */
.hub-sidebar { display: flex; flex-direction: column; gap: 22px; }
.sidebar-cta { background: var(--navy); border-radius: var(--radius-lg); padding: 22px; text-align: center; }
.sidebar-cta h4 { color: var(--gold); margin-bottom: 10px; }
.sidebar-cta p  { color: rgba(255,255,255,.8); font-size: .88rem; margin-bottom: 16px; }
.sidebar-email  { font-size: .82rem; color: rgba(255,255,255,.55); margin-top: 10px; }
.sidebar-email a { color: var(--gold); }
.sidebar-newsletter { background: #EEF6FF; border: 1.5px solid rgba(26,92,184,.2); border-radius: var(--radius-lg); padding: 22px; }
.sidebar-newsletter h4 { margin-bottom: 8px; }
.sidebar-newsletter p  { font-size: .85rem; color: var(--dark); margin-bottom: 14px; }
.nl-form { display: flex; flex-direction: column; gap: 8px; margin-bottom: 8px; }
.nl-note { font-size: .75rem; color: var(--mid); }
.sidebar-widget { background: var(--off-white); border-radius: var(--radius-lg); padding: 18px 20px; }
.sidebar-widget h4 { margin-bottom: 12px; }
.popular-list { display: flex; flex-direction: column; gap: 10px; padding-left: 18px; list-style: decimal; }
.popular-list li { font-size: .85rem; line-height: 1.4; }
.popular-list a  { color: var(--dark); }
.popular-list a:hover { color: var(--blue); }
.topic-chips { display: flex; flex-wrap: wrap; gap: 7px; }
.topic-chip  { background: var(--white); border: 1px solid var(--light); border-radius: 999px; padding: 4px 11px; font-size: .78rem; color: var(--dark); cursor: pointer; transition: all var(--trans); }
.topic-chip:hover { background: var(--blue); color: var(--white); border-color: var(--blue); }

/* ── FOOTER ───────────────────────────────────────────────── */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); }
.footer-main { padding: 60px 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 40px; }
.footer-logo { margin-bottom: 16px; }
.footer-logo__img {
    height: 40px;
    width: auto;
    display: block;
    /* Logo has white bg — add subtle brightness boost on dark footer */
    filter: brightness(0) invert(1);
    opacity: 0.92;
}
.footer-about { font-size: .85rem; line-height: 1.7; color: rgba(255,255,255,.65); margin-bottom: 16px; }
.footer-socials { display: flex; gap: 10px; }
.footer-socials a { width: 34px; height: 34px; background: rgba(255,255,255,.1); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.7); transition: all var(--trans); }
.footer-socials a:hover { background: var(--gold); color: var(--navy); }
.footer-heading { color: var(--gold); font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 16px; }
.footer-links   { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: .85rem; color: rgba(255,255,255,.65); transition: color var(--trans); }
.footer-links a:hover { color: var(--gold); }
.footer-contact-list { display: flex; flex-direction: column; gap: 10px; }
.footer-contact-list li { display: flex; align-items: flex-start; gap: 8px; font-size: .83rem; color: rgba(255,255,255,.65); line-height: 1.5; }
.footer-contact-list a { color: rgba(255,255,255,.75); }
.footer-contact-list a:hover { color: var(--gold); }
.footer-hours { font-size: .78rem; color: rgba(255,255,255,.4); margin-top: 4px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 16px 0; }
.footer-bottom__inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.footer-copy  { font-size: .78rem; color: rgba(255,255,255,.45); }
.footer-legal { display: flex; gap: 18px; }
.footer-legal a { font-size: .78rem; color: rgba(255,255,255,.45); }
.footer-legal a:hover { color: var(--gold); }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media (max-width: 1024px) {
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
    .hero__inner    { grid-template-columns: 1fr; }
    .two-col        { grid-template-columns: 1fr; }
    .contact-layout { grid-template-columns: 1fr; }
    .hub-layout     { grid-template-columns: 1fr; }
    .hub-hero-inner { grid-template-columns: 1fr; }
    .hub-sidebar    { order: -1; display: grid; grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .site-logo__img { height: 38px; }
    .site-nav { display: none; flex-direction: column; align-items: stretch;
        position: absolute; top: 100%; left: 0; right: 0;
        background: var(--white); padding: 16px 24px; box-shadow: var(--shadow-lg);
        gap: 4px; }
    .site-nav.open { display: flex; }
    .nav-toggle { display: flex; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .form-row    { grid-template-columns: 1fr; }
    .hub-sidebar { grid-template-columns: 1fr; }
    .top-bar__contacts { gap: 10px; }
    .section { padding: 48px 0; }
}
@media (max-width: 480px) {
    .stats-grid { flex-direction: column; align-items: center; }
    .hero { padding: 48px 0; }
    .process-steps { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   SERVICES PAGE
   ═══════════════════════════════════════════════════════════ */

/* Sticky service nav */
.service-nav {
    position: sticky; top: 64px; z-index: 90;
    background: var(--navy); padding: 0;
    border-bottom: 2px solid var(--gold);
}
.service-nav__inner {
    max-width: var(--max-w); margin: 0 auto; padding: 0 24px;
    display: flex; flex-wrap: wrap; gap: 0;
}
.service-nav__inner a {
    color: rgba(255,255,255,.75); font-size: .82rem; font-weight: 600;
    padding: 12px 18px; display: block; white-space: nowrap;
    border-bottom: 3px solid transparent; transition: all var(--trans);
    text-decoration: none;
}
.service-nav__inner a:hover { color: var(--white); border-bottom-color: var(--gold); }

/* Service section layout */
.service-section { scroll-margin-top: 110px; }
.service-layout {
    display: grid; grid-template-columns: 1fr 300px;
    gap: 48px; align-items: start;
}
.service-layout--reverse { direction: rtl; }
.service-layout--reverse > * { direction: ltr; }

.service-number {
    display: inline-block; font-size: 3.5rem; font-weight: 900;
    color: var(--light); line-height: 1; margin-bottom: -8px;
    font-variant-numeric: tabular-nums;
}
.service-content h2 { margin-top: 6px; }
.service-lead {
    font-size: 1.02rem; color: var(--dark); line-height: 1.75;
    margin-bottom: 28px; padding-bottom: 24px;
    border-bottom: 2px solid var(--light);
}
.service-content h4 { margin-top: 24px; margin-bottom: 10px; color: var(--navy); }
.service-list { display: flex; flex-direction: column; gap: 10px; padding-left: 0; list-style: none; margin-bottom: 12px; }
.service-list li { font-size: .93rem; color: var(--dark); line-height: 1.65; padding-left: 18px; position: relative; }
.service-list li::before { content: '›'; position: absolute; left: 0; color: var(--gold); font-weight: 700; font-size: 1.1rem; line-height: 1.5; }
.service-list li strong { color: var(--navy); }
.service-tags { display: flex; flex-wrap: wrap; gap: 8px; padding: 0; list-style: none; margin-top: 4px; }
.service-tags li { background: var(--light); color: var(--dark); font-size: .82rem; font-weight: 500; padding: 4px 12px; border-radius: 999px; }

/* Service sidebar */
.service-sidebar { display: flex; flex-direction: column; gap: 16px; }
.service-cta-card {
    background: var(--navy); border-radius: var(--radius-lg);
    padding: 26px; text-align: center;
    position: sticky; top: 130px;
}
.service-icon-lg  { font-size: 2.4rem; display: block; margin-bottom: 10px; }
.service-cta-card h4 { color: var(--gold); margin-bottom: 14px; }
.service-deliverables { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-direction: column; gap: 7px; text-align: left; }
.service-deliverables li { font-size: .85rem; color: rgba(255,255,255,.82); }
.cta-card-note { font-size: .78rem; color: rgba(255,255,255,.45); margin-top: 10px; }
.cta-card-note a { color: var(--gold); }
.service-sidebar-note {
    background: var(--off-white); border-left: 4px solid var(--gold);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 14px 16px; font-size: .85rem; color: var(--dark); line-height: 1.6;
}
.service-sidebar-note strong { color: var(--navy); display: block; margin-bottom: 4px; }

/* CGTMSE param table */
.param-table { margin-top: 16px; border: 1.5px solid var(--light); border-radius: var(--radius); overflow: hidden; }
.param-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 16px; font-size: .88rem; border-bottom: 1px solid var(--light); }
.param-row:last-child { border-bottom: none; }
.param-row:nth-child(even) { background: var(--off-white); }
.param-row span  { color: var(--dark); }
.param-row strong { color: var(--navy); text-align: right; }

/* Bank grid inline */
.bank-grid-inline { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0 16px; }
.bank-grid-inline span { background: var(--light); color: var(--navy); font-size: .82rem; font-weight: 600; padding: 4px 12px; border-radius: 999px; }

/* Registration blocks */
.reg-block { margin-bottom: 24px; padding-bottom: 24px; border-bottom: 1.5px solid var(--light); }
.reg-block:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.reg-block h4 { color: var(--navy); margin-bottom: 8px; font-size: 1rem; }
.reg-block p  { font-size: .92rem; color: var(--dark); line-height: 1.7; margin-bottom: 6px; }

@media (max-width: 900px) {
    .service-layout { grid-template-columns: 1fr; }
    .service-layout--reverse { direction: ltr; }
    .service-cta-card { position: static; }
    .service-nav {
        position: sticky;
        top: 0;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }
    .service-nav__inner {
        flex-wrap: nowrap;
    }
}
@media (max-width: 600px) {
    .service-nav__inner a { padding: 10px 12px; font-size: .75rem; }
}

/* ═══════════════════════════════════════════════════════════
   ABOUT PAGE
   ═══════════════════════════════════════════════════════════ */

/* About stats highlight box */
.about-highlight-box {
    display: grid; grid-template-columns: 1fr 1fr; gap: 2px;
    background: var(--light); border-radius: var(--radius-lg); overflow: hidden;
}
.about-stat {
    background: var(--white); padding: 24px 20px; text-align: center;
}
.about-stat span {
    display: block; font-size: 2rem; font-weight: 900;
    color: var(--blue); line-height: 1; margin-bottom: 6px;
}
.about-stat p { font-size: .82rem; color: var(--dark); line-height: 1.5; margin: 0; }

/* What we are / are not */
.not-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.not-card { border-radius: var(--radius-lg); padding: 28px 30px; }
.not-card h4 { margin-bottom: 16px; font-size: 1rem; }
.not-card ul { display: flex; flex-direction: column; gap: 10px; }
.not-card li { font-size: .9rem; line-height: 1.6; padding-left: 6px; }
.not-card--no  { background: #FFF4F4; border: 1.5px solid #FFCDD2; }
.not-card--no h4  { color: #B71C1C; }
.not-card--no li  { color: #5D4037; }
.not-card--yes { background: #F1FFF5; border: 1.5px solid #C8E6C9; }
.not-card--yes h4 { color: #1B5E20; }
.not-card--yes li { color: #2E4A3A; }

/* Approach grid */
.approach-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.approach-item { padding: 24px; border-radius: var(--radius-lg); background: var(--off-white); border-top: 4px solid var(--blue); }
.approach-num  { font-size: 2rem; font-weight: 900; color: var(--light); line-height: 1; margin-bottom: 6px; display: block; }
.approach-item h4 { margin-bottom: 8px; }
.approach-item p  { font-size: .88rem; color: var(--dark); line-height: 1.7; margin: 0; }

/* Team cards */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(240px,1fr)); gap: 22px; }
.team-card { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius-lg); padding: 26px; transition: background var(--trans); }
.team-card:hover { background: rgba(255,255,255,.14); }
.team-card__icon { font-size: 2rem; display: block; margin-bottom: 12px; }
.team-card h4 { color: var(--gold); margin-bottom: 8px; }
.team-card p  { font-size: .88rem; color: rgba(255,255,255,.78); line-height: 1.7; margin: 0; }

/* Karnataka presence list */
.karnataka-presence { background: var(--off-white); border-radius: var(--radius-lg); padding: 28px 30px; }
.karnataka-presence h4 { margin-bottom: 18px; color: var(--navy); }
.presence-list { display: flex; flex-direction: column; gap: 14px; }
.presence-list li { display: flex; flex-direction: column; gap: 2px; font-size: .9rem; }
.presence-list strong { color: var(--navy); }
.presence-list span   { color: var(--mid); font-size: .82rem; }

/* Values */
.values-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(260px,1fr)); gap: 24px; }
.value-card  { background: var(--white); border: 1.5px solid var(--light); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); }
.value-icon  { font-size: 2rem; display: block; margin-bottom: 12px; }
.value-card h4 { margin-bottom: 8px; }
.value-card p  { font-size: .88rem; color: var(--dark); line-height: 1.7; margin: 0; }

@media (max-width: 768px) {
    .not-grid     { grid-template-columns: 1fr; }
    .approach-grid{ grid-template-columns: 1fr; }
    .about-highlight-box { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
    .about-highlight-box { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   ARTICLE / INSIGHT PAGES
   ═══════════════════════════════════════════════════════════ */

/* Article hero */
.article-hero { background: linear-gradient(135deg, var(--navy) 0%, #1A3D6E 100%); padding: 48px 0 40px; }
.article-hero__inner { max-width: 860px; }
.article-breadcrumb { font-size: .78rem; color: rgba(255,255,255,.5); margin-bottom: 14px; }
.article-breadcrumb a { color: rgba(255,255,255,.6); }
.article-breadcrumb a:hover { color: var(--gold); }
.article-topic-badge { display: inline-block; color: #fff; font-size: .72rem; font-weight: 700; padding: 3px 12px; border-radius: 999px; margin-bottom: 14px; text-transform: uppercase; letter-spacing: .08em; }
.article-hero h1 { color: var(--white); font-size: clamp(1.5rem,3vw,2.2rem); line-height: 1.25; margin-bottom: 14px; }
.article-standfirst { color: rgba(255,255,255,.82); font-size: 1.05rem; line-height: 1.7; margin-bottom: 22px; max-width: 740px; }
.article-meta-bar { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 14px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.15); }
.article-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--gold); color: var(--navy); font-weight: 900; font-size: 1.1rem; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.author-avatar--lg { width: 56px; height: 56px; font-size: 1.4rem; }
.article-author strong { display: block; color: var(--white); font-size: .9rem; }
.article-author span  { display: block; color: rgba(255,255,255,.6); font-size: .78rem; }
.article-meta-right { display: flex; gap: 16px; flex-wrap: wrap; }
.article-meta-right span { font-size: .78rem; color: rgba(255,255,255,.55); }

/* Article layout */
.article-body-wrap { padding: 48px 0 72px; background: var(--white); }
.article-layout { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }
.article-content { max-width: 720px; }
.article-content h2 { font-size: 1.45rem; font-weight: 800; color: var(--navy); margin: 36px 0 14px; padding-top: 8px; border-top: 2px solid var(--light); }
.article-content h2:first-of-type { border-top: none; margin-top: 0; }
.article-content h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 24px 0 10px; }
.article-content h4 { font-size: .95rem; font-weight: 700; color: var(--navy); margin: 16px 0 8px; }
.article-content p  { font-size: .95rem; color: var(--dark); line-height: 1.8; margin-bottom: 14px; }

/* Executive summary */
.exec-summary { background: linear-gradient(135deg,#EEF6FF,#E8F0FD); border-left: 4px solid var(--blue); border-radius: 0 var(--radius-lg) var(--radius-lg) 0; padding: 22px 26px; margin-bottom: 32px; }
.exec-summary h4 { color: var(--blue); font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 12px; }
.exec-summary ul { display: flex; flex-direction: column; gap: 7px; padding-left: 18px; }
.exec-summary li { font-size: .88rem; color: var(--dark); line-height: 1.6; }

/* TOC */
.article-toc { background: var(--off-white); border: 1.5px solid var(--light); border-radius: var(--radius-lg); padding: 20px 24px; margin-bottom: 32px; }
.article-toc h4 { font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--mid); margin-bottom: 12px; }
.article-toc ol { padding-left: 18px; display: flex; flex-direction: column; gap: 6px; }
.article-toc li { font-size: .88rem; }
.article-toc a  { color: var(--blue); }
.article-toc a:hover { color: var(--navy); text-decoration: underline; }

/* Pull quote */
.article-pullquote { border-left: 4px solid var(--gold); padding: 16px 24px; margin: 28px 0; font-size: 1.05rem; font-style: italic; color: var(--navy); font-weight: 600; line-height: 1.6; background: #FFF8F0; border-radius: 0 var(--radius) var(--radius) 0; }

/* Callouts */
.article-callout { border-radius: var(--radius-lg); padding: 18px 22px; margin: 24px 0; font-size: .9rem; line-height: 1.7; }
.article-callout--warning { background: #FFF8E6; border: 1.5px solid #F6AD55; color: var(--dark); }
.article-callout--info    { background: #EEF6FF; border: 1.5px solid rgba(27,94,190,.25); color: var(--dark); }
.article-callout strong   { color: var(--navy); display: block; margin-bottom: 6px; }

/* Lists */
.article-list { padding-left: 0; list-style: none; display: flex; flex-direction: column; gap: 10px; margin: 14px 0 20px; }
.article-list li { font-size: .93rem; color: var(--dark); line-height: 1.7; padding-left: 20px; position: relative; }
.article-list li::before { content: '›'; position: absolute; left: 0; color: var(--gold); font-weight: 700; font-size: 1.1rem; line-height: 1.5; }
.article-list strong { color: var(--navy); }

/* Steps */
.article-steps { padding-left: 0; list-style: none; display: flex; flex-direction: column; gap: 20px; margin: 14px 0 20px; counter-reset: steps; }
.article-steps li { display: flex; gap: 16px; counter-increment: steps; }
.article-steps li::before { content: counter(steps); display: flex; align-items: center; justify-content: center; width: 32px; height: 32px; min-width: 32px; border-radius: 50%; background: var(--blue); color: #fff; font-weight: 800; font-size: .85rem; margin-top: 2px; }
.article-steps strong { display: block; font-weight: 700; color: var(--navy); margin-bottom: 4px; font-size: .95rem; }
.article-steps p { font-size: .88rem; color: var(--dark); line-height: 1.65; margin: 0; }

/* Data tables */
.data-table-wrap { margin: 24px 0; overflow-x: auto; }
.data-table-wrap h4 { font-size: .88rem; color: var(--navy); margin-bottom: 10px; }
.data-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.data-table thead th { background: var(--navy); color: rgba(255,255,255,.85); padding: 10px 14px; text-align: left; font-size: .78rem; font-weight: 700; }
.data-table tbody td { padding: 9px 14px; border-bottom: 1px solid var(--light); color: var(--dark); }
.data-table tbody tr:nth-child(even) { background: var(--off-white); }
.data-table tbody tr:hover { background: #EEF4FF; }
.table-note { font-size: .75rem; color: var(--mid); margin-top: 6px; }

/* Mistake cards */
.mistake-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 20px 0; }
.mistake-card { background: var(--off-white); border-radius: var(--radius-lg); padding: 20px; border-top: 3px solid var(--gold); }
.mistake-num { display: block; font-size: 1.5rem; font-weight: 900; color: var(--light); line-height: 1; margin-bottom: 6px; }
.mistake-card h4 { font-size: .9rem; color: var(--navy); margin-bottom: 6px; }
.mistake-card p  { font-size: .84rem; color: var(--dark); line-height: 1.65; margin: 0; }

/* Author CTA */
.author-cta-box { background: linear-gradient(135deg, var(--navy), #1A3D6E); border-radius: var(--radius-lg); padding: 28px; display: grid; grid-template-columns: auto 1fr; gap: 24px; margin: 40px 0 32px; }
.author-cta-box__left { display: flex; flex-direction: column; align-items: center; gap: 8px; text-align: center; }
.author-cta-box__left strong { color: var(--white); font-size: .9rem; display: block; }
.author-cta-box__left span  { color: rgba(255,255,255,.6); font-size: .75rem; display: block; line-height: 1.4; }
.author-cta-box__right p { color: rgba(255,255,255,.82); font-size: .9rem; line-height: 1.7; margin-bottom: 16px; }
.author-cta-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.author-cta-actions .btn--outline { border-color: rgba(255,255,255,.35); color: rgba(255,255,255,.8); }
.author-cta-actions .btn--outline:hover { background: rgba(255,255,255,.1); color: #fff; }

/* Related articles */
.related-articles { margin-top: 40px; padding-top: 32px; border-top: 2px solid var(--light); }
.related-articles h3 { font-size: 1rem; color: var(--navy); margin-bottom: 16px; }
.related-articles__grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
.related-card { display: flex; flex-direction: column; gap: 6px; background: var(--off-white); border-radius: var(--radius-lg); padding: 18px; border: 1.5px solid var(--light); transition: all var(--trans); text-decoration: none; }
.related-card:hover { border-color: var(--blue); background: #EEF4FF; }
.related-card__topic { font-size: .7rem; font-weight: 700; color: var(--blue); text-transform: uppercase; letter-spacing: .07em; }
.related-card h4 { font-size: .85rem; font-weight: 700; color: var(--navy); line-height: 1.4; }
.related-card__mins { font-size: .78rem; color: var(--mid); margin-top: auto; }

/* Article sidebar */
.article-sidebar { display: flex; flex-direction: column; gap: 18px; position: sticky; top: 90px; }
.article-sidebar-card { background: var(--navy); border-radius: var(--radius-lg); padding: 22px; }
.article-sidebar-card h4 { color: var(--gold); margin-bottom: 10px; }
.article-sidebar-card p  { color: rgba(255,255,255,.78); font-size: .85rem; line-height: 1.6; margin-bottom: 16px; }
.article-sidebar-card--light { background: var(--off-white); border: 1.5px solid var(--light); }
.article-sidebar-card--light h4 { color: var(--navy); }
.article-sidebar-card--light p  { color: var(--dark); }
.sidebar-contact-list { display: flex; flex-direction: column; gap: 8px; margin-top: 12px; }
.sidebar-contact-list a { font-size: .82rem; color: rgba(255,255,255,.65); display: flex; align-items: center; gap: 6px; }
.sidebar-contact-list a:hover { color: var(--gold); }
.article-sidebar-toc { background: var(--off-white); border: 1.5px solid var(--light); border-radius: var(--radius-lg); padding: 18px 20px; }
.article-sidebar-toc h4 { font-size: .8rem; text-transform: uppercase; letter-spacing: .07em; color: var(--mid); margin-bottom: 12px; }
.article-sidebar-toc ul { list-style: none; display: flex; flex-direction: column; gap: 7px; }
.article-sidebar-toc a  { font-size: .82rem; color: var(--dark); }
.article-sidebar-toc a:hover { color: var(--blue); }

/* Breadcrumb */
.article-breadcrumb span { color: rgba(255,255,255,.45); }

@media (max-width: 900px) {
    .article-layout { grid-template-columns: 1fr; }
    .article-sidebar { position: static; }
    .related-articles__grid { grid-template-columns: 1fr; }
    .mistake-cards { grid-template-columns: 1fr; }
    .author-cta-box { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   GLOSSARY PAGE
   ═══════════════════════════════════════════════════════════ */

/* Search bar */
.glossary-search-bar {
    background: var(--off-white);
    border-bottom: 1.5px solid var(--light);
    padding: 18px 0;
}
.glossary-search-form {
    display: flex; gap: 10px; align-items: center;
    flex-wrap: wrap; margin-bottom: 8px;
}
.glossary-search-form input {
    flex: 1; min-width: 260px;
    padding: 10px 16px; border: 1.5px solid var(--light);
    border-radius: var(--radius); font-size: .93rem;
    font-family: var(--font); color: var(--text);
    background: var(--white); transition: border-color var(--trans);
}
.glossary-search-form input:focus {
    outline: none; border-color: var(--blue);
}
.glossary-search-form button {
    padding: 10px 22px; background: var(--blue); color: var(--white);
    border: none; border-radius: var(--radius);
    font-weight: 700; font-size: .9rem;
    font-family: var(--font); cursor: pointer;
    transition: background var(--trans);
}
.glossary-search-form button:hover { background: var(--blue-h); }
.glossary-search-clear {
    font-size: .85rem; color: var(--mid);
    padding: 8px 4px; white-space: nowrap;
}
.glossary-count {
    font-size: .82rem; color: var(--mid); margin: 0;
}

/* A-Z nav */
.glossary-az-nav {
    background: var(--white);
    border-bottom: 1.5px solid var(--light);
    position: sticky; top: 64px; z-index: 80;
    padding: 10px 0;
    box-shadow: 0 2px 8px rgba(13,43,85,.06);
}
.glossary-az-inner {
    display: flex; flex-wrap: wrap; gap: 4px;
}
.az-btn {
    display: inline-flex; align-items: center; justify-content: center;
    width: 34px; height: 34px;
    border-radius: var(--radius); border: 1.5px solid var(--light);
    font-size: .82rem; font-weight: 700; color: var(--dark);
    transition: all var(--trans); text-decoration: none;
    background: var(--white);
}
.az-btn:hover {
    background: var(--blue); color: var(--white);
    border-color: var(--blue);
}

/* Layout */
.glossary-layout {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 48px; align-items: start;
}

/* Letter sections */
.glossary-letter-section { margin-bottom: 40px; scroll-margin-top: 130px; }
.glossary-letter-heading {
    font-size: 2rem; font-weight: 900;
    color: var(--light); line-height: 1;
    margin-bottom: 16px; padding-bottom: 10px;
    border-bottom: 2px solid var(--light);
    position: relative;
}
.glossary-letter-heading::after {
    content: '';
    position: absolute; bottom: -2px; left: 0;
    width: 40px; height: 2px;
    background: var(--gold);
}

/* Glossary entries */
.glossary-entry {
    padding: 20px 0 20px;
    border-bottom: 1px solid var(--light);
}
.glossary-entry:last-child { border-bottom: none; }
.glossary-entry__header {
    display: flex; align-items: flex-start;
    justify-content: space-between; gap: 12px;
    margin-bottom: 10px; flex-wrap: wrap;
}
.glossary-entry__term {
    font-size: 1.05rem; font-weight: 800;
    color: var(--navy); margin: 0;
    line-height: 1.3; flex: 1;
}
.glossary-cat-badge {
    display: inline-block; font-size: .7rem;
    font-weight: 700; padding: 3px 10px;
    border-radius: 999px; border: 1px solid;
    white-space: nowrap; flex-shrink: 0;
    text-transform: uppercase; letter-spacing: .05em;
}
.glossary-entry__def {
    font-size: .92rem; color: var(--dark);
    line-height: 1.78; margin-bottom: 8px;
}
.glossary-entry__link {
    font-size: .83rem; font-weight: 600;
    color: var(--blue);
}
.glossary-entry__link:hover {
    color: var(--navy); text-decoration: underline;
}
.glossary-empty {
    text-align: center; padding: 48px 24px;
    background: var(--off-white);
    border-radius: var(--radius-lg);
    border: 1.5px dashed var(--light);
}
.glossary-empty p { color: var(--mid); margin-bottom: 16px; }

/* Sidebar */
.glossary-sidebar {
    display: flex; flex-direction: column; gap: 18px;
    position: sticky; top: 130px;
}
.glossary-sidebar-card {
    background: var(--navy);
    border-radius: var(--radius-lg); padding: 22px;
}
.glossary-sidebar-card h4 { color: var(--gold); margin-bottom: 10px; }
.glossary-sidebar-card p  {
    color: rgba(255,255,255,.78); font-size: .87rem;
    line-height: 1.65; margin-bottom: 14px;
}
.glossary-sidebar-card--light {
    background: var(--off-white);
    border: 1.5px solid var(--light);
}
.glossary-sidebar-card--light h4 { color: var(--navy); }
.glossary-sidebar-contacts {
    display: flex; flex-direction: column; gap: 8px; margin-top: 12px;
}
.glossary-sidebar-contacts a {
    font-size: .82rem; color: rgba(255,255,255,.65);
    display: flex; align-items: center; gap: 6px;
}
.glossary-sidebar-contacts a:hover { color: var(--gold); }
.glossary-sidebar-links {
    display: flex; flex-direction: column; gap: 8px; list-style: none;
}
.glossary-sidebar-links a {
    font-size: .83rem; color: var(--dark); line-height: 1.5;
}
.glossary-sidebar-links a:hover { color: var(--blue); }
.glossary-cat-chips {
    display: flex; flex-wrap: wrap; gap: 7px;
}
.glossary-cat-chip {
    display: inline-block; font-size: .72rem; font-weight: 600;
    padding: 4px 10px; border-radius: 999px; border: 1px solid;
    text-decoration: none; transition: all var(--trans);
    background: var(--white);
}
.glossary-cat-chip:hover { opacity: .75; }

@media (max-width: 900px) {
    .glossary-layout { grid-template-columns: 1fr; }
    .glossary-sidebar { position: static; }
    .glossary-az-nav { position: static; }
}
@media (max-width: 600px) {
    .az-btn { width: 28px; height: 28px; font-size: .75rem; }
    .glossary-search-form input { min-width: unset; width: 100%; }
    .glossary-search-form { flex-direction: column; align-items: stretch; }
    .glossary-search-form button { width: 100%; }
}

/* ═══════════════════════════════════════════════════════════
   LEGAL PAGES — Privacy Policy & Disclaimer
   ═══════════════════════════════════════════════════════════ */

.legal-layout {
    display: grid;
    grid-template-columns: 1fr 280px;
    gap: 48px; align-items: start;
}

/* TOC */
.legal-toc {
    background: var(--off-white); border: 1.5px solid var(--light);
    border-radius: var(--radius-lg); padding: 20px 24px;
    margin-bottom: 32px;
}
.legal-toc h4 {
    font-size: .78rem; text-transform: uppercase;
    letter-spacing: .08em; color: var(--mid); margin-bottom: 12px;
}
.legal-toc ol  { padding-left: 18px; display: flex; flex-direction: column; gap: 5px; }
.legal-toc li  { font-size: .83rem; }
.legal-toc a   { color: var(--blue); }
.legal-toc a:hover { color: var(--navy); text-decoration: underline; }

/* Intro paragraph */
.legal-intro { margin-bottom: 8px; }
.legal-intro p { font-size: .95rem; color: var(--dark); line-height: 1.78; margin-bottom: 12px; }

/* Divider */
.legal-divider { border: none; border-top: 2px solid var(--light); margin: 24px 0; }

/* Section headings */
.legal-content h2 {
    font-size: 1.2rem; font-weight: 800; color: var(--navy);
    margin: 36px 0 12px; padding-top: 8px;
    border-top: 2px solid var(--light);
    scroll-margin-top: 100px;
}
.legal-content h2:first-of-type { border-top: none; margin-top: 0; }
.legal-content h3 {
    font-size: 1rem; font-weight: 700; color: var(--navy);
    margin: 20px 0 8px;
}
.legal-content p {
    font-size: .92rem; color: var(--dark);
    line-height: 1.8; margin-bottom: 12px;
}

/* Lists */
.legal-list {
    list-style: none; padding: 0;
    display: flex; flex-direction: column; gap: 8px;
    margin: 12px 0 16px;
}
.legal-list li {
    font-size: .9rem; color: var(--dark);
    line-height: 1.7; padding-left: 18px; position: relative;
}
.legal-list li::before {
    content: '›'; position: absolute; left: 0;
    color: var(--gold); font-weight: 700; font-size: 1.1rem; line-height: 1.5;
}

/* Callouts */
.legal-callout {
    background: #EEF6FF; border: 1.5px solid rgba(27,94,190,.2);
    border-left: 4px solid var(--blue);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 16px 20px; margin: 20px 0;
    font-size: .9rem; color: var(--dark); line-height: 1.7;
}
.legal-callout strong { color: var(--navy); display: block; margin-bottom: 6px; }
.legal-callout--important {
    background: #FFF8E6; border-color: rgba(200,90,26,.25);
    border-left-color: var(--gold);
}

/* Tables */
.legal-table-wrap { margin: 16px 0 20px; overflow-x: auto; }
.legal-table { width: 100%; border-collapse: collapse; font-size: .88rem; }
.legal-table thead th {
    background: var(--navy); color: rgba(255,255,255,.88);
    padding: 10px 14px; text-align: left; font-size: .8rem; font-weight: 700;
}
.legal-table tbody td {
    padding: 9px 14px; border-bottom: 1px solid var(--light);
    color: var(--dark); line-height: 1.6; vertical-align: top;
}
.legal-table tbody tr:nth-child(even) { background: var(--off-white); }

/* Contact box */
.legal-contact-box {
    background: var(--off-white); border: 1.5px solid var(--light);
    border-radius: var(--radius-lg); padding: 22px 24px; margin: 16px 0;
}
.legal-contact-box p { margin-bottom: 6px; font-size: .92rem; }
.legal-contact-box a { color: var(--blue); font-weight: 600; }

/* Governing law note */
.legal-govlaw {
    font-size: .82rem; color: var(--mid);
    margin-top: 28px; padding-top: 16px;
    border-top: 1px solid var(--light);
    line-height: 1.7;
}

/* Sidebar */
.legal-sidebar {
    display: flex; flex-direction: column; gap: 18px;
    position: sticky; top: 90px;
}
.legal-sidebar-card {
    background: var(--navy); border-radius: var(--radius-lg); padding: 22px;
}
.legal-sidebar-card h4 { color: var(--gold); margin-bottom: 10px; }
.legal-sidebar-card p  { color: rgba(255,255,255,.78); font-size: .86rem; line-height: 1.6; margin-bottom: 14px; }
.legal-sidebar-card--light { background: var(--off-white); border: 1.5px solid var(--light); }
.legal-sidebar-card--light h4 { color: var(--navy); }
.legal-sidebar-contacts { display: flex; flex-direction: column; gap: 8px; margin-top: 12px; }
.legal-sidebar-contacts a { font-size: .82rem; color: rgba(255,255,255,.65); display: flex; align-items: center; gap: 6px; }
.legal-sidebar-contacts a:hover { color: var(--gold); }
.legal-sidebar-links { list-style: none; display: flex; flex-direction: column; gap: 7px; }
.legal-sidebar-links li, .legal-sidebar-links a { font-size: .83rem; color: var(--dark); line-height: 1.5; }
.legal-sidebar-links a:hover { color: var(--blue); }

@media (max-width: 900px) {
    .legal-layout { grid-template-columns: 1fr; }
    .legal-sidebar { position: static; }
}

/* ═══════════════════════════════════════════════════════════
   CLUSTER PILLAR PAGES
   ═══════════════════════════════════════════════════════════ */

.pillar-articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 20px;
}
.pillar-article-card {
    display: flex; flex-direction: column; gap: 8px;
    background: var(--white); border: 1.5px solid var(--light);
    border-radius: var(--radius-lg); padding: 22px;
    text-decoration: none; transition: all var(--trans);
}
.pillar-article-card:hover {
    border-color: var(--blue); box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}
.pillar-article-card__date {
    font-size: .76rem; color: var(--mid); font-weight: 600;
}
.pillar-article-card h3 {
    font-size: .98rem; font-weight: 700; color: var(--navy);
    line-height: 1.4; margin: 0;
}
.pillar-article-card p {
    font-size: .85rem; color: var(--dark); line-height: 1.6;
    margin: 0; flex: 1;
}
.pillar-article-card__mins {
    font-size: .8rem; font-weight: 600; color: var(--blue);
    margin-top: 4px;
}

@media (max-width: 600px) {
    .pillar-articles-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   KNOWLEDGE HUB — BROWSE BY TOPIC (cluster navigation cards)
   ═══════════════════════════════════════════════════════════ */

.hub-section-title--first {
    margin-top: 0;
}

.cluster-nav-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
    margin-bottom: 48px;
}

.cluster-nav-card {
    --cluster-accent: var(--blue); /* overridden inline per-cluster */
    position: relative;
    display: flex;
    flex-direction: column;
    background: var(--white);
    border: 1.5px solid var(--light);
    border-radius: var(--radius-lg);
    padding: 28px 26px 24px;
    text-decoration: none;
    transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
    overflow: hidden;
}
.cluster-nav-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--cluster-accent);
}
.cluster-nav-card:hover {
    border-color: var(--cluster-accent);
    box-shadow: 0 8px 24px rgba(13, 43, 85, 0.10);
    transform: translateY(-3px);
}

.cluster-nav-card__count {
    display: inline-block;
    align-self: flex-start;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--cluster-accent);
    background: var(--off-white);
    border: 1px solid var(--light);
    padding: 4px 10px;
    border-radius: 999px;
    margin-bottom: 14px;
}

.cluster-nav-card__title {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.35;
    margin: 0 0 18px 0;
}

.cluster-nav-card__cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--cluster-accent);
    margin-top: auto;
}
.cluster-nav-card__cta span {
    transition: transform .2s ease;
}
.cluster-nav-card:hover .cluster-nav-card__cta span {
    transform: translateX(3px);
}

@media (max-width: 600px) {
    .cluster-nav-grid { grid-template-columns: 1fr; }
}

/* ── Sidebar — compact Policy Watch widget ──────────────────── */
.sidebar-policy-watch {
    background: #FFF8E6;
    border: 1.5px solid var(--gold);
}
.sidebar-policy-watch h4 {
    color: var(--navy);
    margin-bottom: 12px;
}
.policy-alerts--compact {
    display: flex;
    flex-direction: column;
    gap: 10px;
    padding: 0;
    margin: 0 0 10px;
    list-style: none;
}
.policy-alerts--compact li {
    font-size: 0.8rem;
    line-height: 1.5;
    color: var(--dark);
}
.policy-alerts--compact .badge {
    display: inline-block;
    margin-right: 4px;
}

/* ── FAQ Section ─────────────────────────────────────────────── */
.article-faq {
    margin: 48px 0 36px;
    border-top: 2px solid var(--blue);
    padding-top: 32px;
}
.article-faq__heading {
    font-size: 1.35rem;
    color: var(--navy);
    margin-bottom: 20px;
}
.faq-item {
    border: 1px solid #e2e8f0;
    border-radius: 8px;
    margin-bottom: 12px;
    overflow: hidden;
    background: #fff;
}
.faq-item[open] {
    border-color: var(--blue);
    box-shadow: 0 2px 8px rgba(27,94,190,.08);
}
.faq-item__q {
    padding: 16px 20px;
    font-weight: 600;
    font-size: 0.97rem;
    color: var(--navy);
    cursor: pointer;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    line-height: 1.5;
}
.faq-item__q::-webkit-details-marker { display: none; }
.faq-item__q::after {
    content: '+';
    font-size: 1.4rem;
    color: var(--blue);
    flex-shrink: 0;
    transition: transform .2s;
}
.faq-item[open] .faq-item__q::after {
    transform: rotate(45deg);
}
.faq-item__a {
    padding: 0 20px 18px;
    font-size: 0.93rem;
    line-height: 1.75;
    color: #374151;
    border-top: 1px solid #f1f5f9;
}
.faq-item__a p { margin: 12px 0 0; }

/* ── Principal Profile (About Page) ─────────────────────── */
.principal-profile {
    display: flex;
    gap: 32px;
    align-items: flex-start;
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 12px;
    padding: 36px;
    margin-bottom: 48px;
}
.principal-profile__avatar {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy);
    font-size: 1.3rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.principal-profile__content h3 {
    color: #fff;
    font-size: 1.4rem;
    margin: 0 0 4px;
}
.principal-profile__title {
    color: var(--gold);
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: .04em;
    text-transform: uppercase;
    margin: 0 0 16px;
}
.principal-profile__content p {
    color: rgba(255,255,255,.82);
    font-size: 0.93rem;
    line-height: 1.75;
    margin-bottom: 12px;
}
.principal-profile__contact {
    display: flex;
    gap: 20px;
    margin-top: 16px;
    flex-wrap: wrap;
}
.principal-profile__contact a {
    color: var(--gold);
    font-size: 0.88rem;
    font-weight: 600;
    text-decoration: none;
}
.principal-profile__contact a:hover { text-decoration: underline; }
@media (max-width: 600px) {
    .principal-profile { flex-direction: column; }
}

/* ── Credit, Compliance & Growth tagline section ────────── */
.tagline-section { padding: 40px 0; }
.tagline-section__inner {
    display: flex;
    align-items: flex-start;
    gap: 40px;
}
.tagline-section__tag {
    flex-shrink: 0;
    padding-top: 3px;
}
.tagline-mark {
    font-size: 1.05rem;
    font-weight: 700;
    letter-spacing: .04em;
    color: var(--gold);
    text-transform: uppercase;
    white-space: nowrap;
    border-left: 3px solid var(--gold);
    padding-left: 14px;
    line-height: 1.6;
    display: block;
}
.tagline-section__body p {
    color: rgba(255,255,255,.85);
    font-size: 1.05rem;
    line-height: 1.85;
    margin: 0;
}
.tagline-section__body strong { color: #fff; }
@media (max-width: 768px) {
    .tagline-section__inner { flex-direction: column; gap: 20px; }
    .tagline-mark { white-space: normal; font-size: .95rem; }
    .tagline-section__body p { font-size: .97rem; }
}

/* ── Hero pitch line ─────────────────────────────────────── */
.hero__pitch {
    font-size: 1.18rem !important;
    font-weight: 700 !important;
    color: #F5A623 !important;
    line-height: 1.6;
    margin: 20px 0 18px;
    letter-spacing: .01em;
    border-left: 4px solid #F5A623;
    padding-left: 16px;
    display: block;
}
@media (max-width: 768px) {
    .hero__pitch { font-size: 1.02rem !important; }
}