@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,300;1,400;1,600&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --navy: #0f2744; --teal: #1a6b72; --cream: #f8f4ef;
  --warm-white: #fdfbf8; --gold: #c9a84c; --text: #1c1c1c;
  --muted: #6b7280; --border: #e8e0d5;
}
* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { font-family:'DM Sans',sans-serif; background:var(--warm-white); color:var(--text); }

/* NAV */
nav { position:fixed; top:0; left:0; right:0; z-index:100; background:rgba(253,251,248,0.96); backdrop-filter:blur(12px); border-bottom:1px solid var(--border); padding:0 60px; display:flex; align-items:center; justify-content:space-between; height:72px; transition:box-shadow 0.3s; }
nav.scrolled { box-shadow:0 4px 24px rgba(15,39,68,0.08); }
.nav-logo { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:600; color:var(--navy); line-height:1.2; text-decoration:none; }
.nav-logo span { color:var(--teal); }
.nav-links { display:flex; align-items:center; gap:28px; list-style:none; }
.nav-links a { font-size:0.84rem; font-weight:500; color:var(--navy); text-decoration:none; transition:color 0.2s; }
.nav-links a:hover,.nav-links a.active { color:var(--teal); }
.nav-cta { background:var(--teal)!important; color:white!important; padding:9px 20px; border-radius:4px; font-size:0.81rem!important; font-weight:600!important; letter-spacing:0.05em; text-transform:uppercase; }
.nav-cta:hover { background:var(--navy)!important; }
.hamburger { display:none; flex-direction:column; gap:5px; cursor:pointer; padding:4px; background:none; border:none; }
.hamburger span { width:22px; height:2px; background:var(--navy); border-radius:2px; display:block; }
.mobile-menu { display:none; position:fixed; top:72px; left:0; right:0; background:var(--warm-white); border-bottom:1px solid var(--border); padding:24px 32px; z-index:99; flex-direction:column; gap:16px; box-shadow:0 12px 32px rgba(15,39,68,0.1); }
.mobile-menu.open { display:flex; }
.mobile-menu a { font-size:1rem; font-weight:500; color:var(--navy); text-decoration:none; padding:8px 0; border-bottom:1px solid var(--border); }

/* BREADCRUMB */
.breadcrumb { background:var(--cream); border-bottom:1px solid var(--border); padding:14px 80px; margin-top:72px; display:flex; align-items:center; gap:8px; font-size:0.8rem; }
.breadcrumb a { color:var(--teal); text-decoration:none; }
.breadcrumb a:hover { text-decoration:underline; }
.breadcrumb span { color:var(--muted); }

/* ARTICLE LAYOUT */
.article-layout { display:grid; grid-template-columns:1fr 300px; gap:48px; max-width:1160px; margin:0 auto; padding:56px 80px 80px; }

/* ARTICLE MAIN */
.article-main {}
.article-category { font-size:0.72rem; font-weight:700; letter-spacing:0.15em; text-transform:uppercase; color:var(--teal); display:flex; align-items:center; gap:10px; margin-bottom:14px; }
.article-category::before { content:''; width:28px; height:2px; background:var(--gold); display:inline-block; }
.article-title { font-family:'Cormorant Garamond',serif; font-size:clamp(2rem,3.5vw,2.8rem); font-weight:400; color:var(--navy); line-height:1.12; margin-bottom:20px; }
.article-title em { font-style:italic; color:var(--teal); }
.article-meta { display:flex; align-items:center; gap:20px; padding-bottom:24px; border-bottom:1px solid var(--border); margin-bottom:36px; }
.article-meta-item { font-size:0.78rem; color:var(--muted); display:flex; align-items:center; gap:6px; }
.article-body h2 { font-family:'Cormorant Garamond',serif; font-size:1.65rem; font-weight:600; color:var(--navy); margin:40px 0 14px; }
.article-body h3 { font-family:'Cormorant Garamond',serif; font-size:1.25rem; font-weight:600; color:var(--navy); margin:28px 0 10px; }
.article-body p { font-size:0.95rem; color:#374151; line-height:1.85; margin-bottom:18px; font-weight:300; }
.article-body ul,.article-body ol { margin:0 0 18px 24px; display:flex; flex-direction:column; gap:8px; }
.article-body li { font-size:0.93rem; color:#374151; line-height:1.7; font-weight:300; }
.article-body strong { font-weight:600; color:var(--navy); }
.callout { background:var(--cream); border-left:3px solid var(--teal); padding:18px 22px; border-radius:0 8px 8px 0; margin:24px 0; }
.callout p { margin:0; font-size:0.9rem; color:var(--navy); line-height:1.7; }
.callout.gold { border-left-color:var(--gold); }
.callout.warning { border-left-color:#dc2626; background:#fef2f2; }
.callout.warning p { color:#7f1d1d; }
.key-points { background:var(--navy); border-radius:12px; padding:28px 32px; margin:32px 0; }
.key-points h4 { font-family:'Cormorant Garamond',serif; font-size:1.2rem; color:white; margin-bottom:16px; }
.key-points ul { margin:0; list-style:none; display:flex; flex-direction:column; gap:10px; }
.key-points li { font-size:0.88rem; color:rgba(255,255,255,0.75); display:flex; align-items:flex-start; gap:10px; line-height:1.6; }
.key-points li::before { content:'→'; color:var(--gold); flex-shrink:0; }
.data-table { width:100%; border-collapse:collapse; margin:24px 0; font-size:0.88rem; }
.data-table th { background:var(--navy); color:white; padding:12px 16px; text-align:left; font-weight:600; font-size:0.8rem; letter-spacing:0.05em; }
.data-table td { padding:11px 16px; border-bottom:1px solid var(--border); color:#374151; line-height:1.55; }
.data-table tr:nth-child(even) td { background:var(--cream); }
.disclaimer { background:#fffbeb; border:1px solid #fde68a; border-radius:8px; padding:16px 18px; margin-top:40px; font-size:0.8rem; color:#78350f; line-height:1.65; }

/* SIDEBAR */
.article-sidebar {}
.sidebar-widget { background:var(--cream); border:1px solid var(--border); border-radius:12px; padding:24px; margin-bottom:24px; }
.sidebar-widget h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:600; color:var(--navy); margin-bottom:16px; padding-bottom:12px; border-bottom:1px solid var(--border); }
.sidebar-links { list-style:none; display:flex; flex-direction:column; gap:2px; }
.sidebar-links a { font-size:0.85rem; color:var(--navy); text-decoration:none; padding:7px 10px; border-radius:6px; display:block; transition:all 0.15s; }
.sidebar-links a:hover { background:white; color:var(--teal); }
.sidebar-links a.current { background:rgba(26,107,114,0.1); color:var(--teal); font-weight:600; }
.sidebar-cta { background:var(--teal); border-radius:12px; padding:24px; color:white; text-align:center; }
.sidebar-cta h4 { font-family:'Cormorant Garamond',serif; font-size:1.2rem; color:white; margin-bottom:10px; }
.sidebar-cta p { font-size:0.83rem; color:rgba(255,255,255,0.75); margin-bottom:18px; line-height:1.6; }
.sidebar-btn { background:white; color:var(--teal); padding:11px 20px; border-radius:6px; text-decoration:none; font-size:0.82rem; font-weight:700; display:block; text-align:center; transition:all 0.2s; }
.sidebar-btn:hover { background:var(--navy); color:white; }
.sidebar-phone { margin-top:12px; font-size:0.82rem; color:rgba(255,255,255,0.65); }
.sidebar-phone a { color:white; text-decoration:none; font-weight:600; }

/* CTA BANNER */
.cta-banner { background:var(--teal); padding:72px 80px; display:flex; align-items:center; justify-content:space-between; gap:40px; flex-wrap:wrap; }
.cta-banner h2 { font-family:'Cormorant Garamond',serif; font-size:2rem; color:white; }
.cta-banner p { font-size:0.92rem; color:rgba(255,255,255,0.72); margin-top:8px; }
.cta-actions { display:flex; gap:14px; flex-wrap:wrap; }
.btn-white { background:white; color:var(--teal); padding:12px 28px; border-radius:4px; text-decoration:none; font-size:0.84rem; font-weight:700; letter-spacing:0.04em; text-transform:uppercase; white-space:nowrap; transition:all 0.2s; }
.btn-white:hover { background:var(--navy); color:white; }
.btn-outline-white { background:transparent; color:white; padding:12px 28px; border-radius:4px; text-decoration:none; font-size:0.84rem; font-weight:500; border:2px solid rgba(255,255,255,0.45); white-space:nowrap; transition:all 0.2s; }
.btn-outline-white:hover { border-color:white; }

/* FOOTER */
footer { background:var(--navy); padding:56px 80px 36px; color:rgba(255,255,255,0.6); }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr; gap:48px; margin-bottom:40px; }
.footer-logo { font-family:'Cormorant Garamond',serif; font-size:1.1rem; color:white; margin-bottom:12px; line-height:1.35; font-weight:600; }
.footer-desc { font-size:0.83rem; line-height:1.7; }
.footer-col h4 { color:white; font-size:0.78rem; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; margin-bottom:14px; }
.footer-links { list-style:none; display:flex; flex-direction:column; gap:8px; }
.footer-links a { color:rgba(255,255,255,0.55); font-size:0.83rem; text-decoration:none; transition:color 0.2s; }
.footer-links a:hover { color:white; }
.footer-bottom { border-top:1px solid rgba(255,255,255,0.1); padding-top:24px; display:flex; justify-content:space-between; font-size:0.77rem; flex-wrap:wrap; gap:10px; }
.footer-bottom a { color:rgba(255,255,255,0.4); text-decoration:none; }

@media(max-width:1024px) {
  .article-layout { grid-template-columns:1fr; padding:40px; gap:32px; }
  .article-sidebar { display:grid; grid-template-columns:1fr 1fr; gap:20px; }
  .breadcrumb { padding:14px 40px; }
}
@media(max-width:640px) {
  nav { padding:0 20px; }
  .nav-links { display:none; }
  .hamburger { display:flex; }
  .article-layout { padding:24px; }
  .breadcrumb { padding:14px 24px; }
  .article-sidebar { grid-template-columns:1fr; }
  .cta-banner { padding:48px 24px; flex-direction:column; }
  footer { padding:48px 24px 28px; }
  .footer-grid { grid-template-columns:1fr; gap:28px; }
}


/* ── DROPDOWN NAV ── */
.has-dropdown { position: relative; }
.dropdown-toggle { display: flex; align-items: center; gap: 4px; cursor: pointer; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(4px);
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 16px 48px rgba(15,39,68,0.14);
  padding: 22px 24px 24px;
  display: grid;
  grid-template-columns: repeat(3,200px);
  gap: 0 24px;
  z-index: 200;
  opacity: 0;
  pointer-events: none;
  visibility: hidden;
  transition: opacity .2s, transform .2s, visibility 0s linear .25s;
  min-width: 660px;
}
.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  transition: opacity .2s, transform .2s, visibility 0s;
}
/* invisible bridge fills gap between nav item and dropdown */
.has-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: -20px;
  right: -20px;
  height: 16px;
  background: transparent;
}
/* arrow caret */
.dropdown-menu::before {
  content:'';
  position:absolute;
  top:-7px;
  left:50%;
  transform:translateX(-50%) rotate(45deg);
  width:13px;height:13px;
  background:white;
  border-left:1px solid var(--border);
  border-top:1px solid var(--border);
}
.dropdown-col { display:flex; flex-direction:column; gap:2px; }
.dropdown-col + .dropdown-col { border-left: 1px solid var(--border); padding-left: 24px; }
.dropdown-heading {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 8px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.dropdown-menu a {
  font-size: 0.83rem;
  color: var(--navy) !important;
  text-decoration: none;
  padding: 5px 8px;
  border-radius: 5px;
  transition: all .13s;
  font-weight: 400 !important;
  white-space: nowrap;
}
.dropdown-menu a:hover { background: var(--cream); color: var(--teal) !important; }
.dropdown-see-all {
  margin-top: 6px !important;
  font-size: 0.78rem !important;
  color: var(--teal) !important;
  font-weight: 600 !important;
  border-top: 1px solid var(--border);
  padding-top: 8px !important;
}
/* Mobile: dropdown becomes accordion */
@media(max-width:640px){
  .dropdown-menu { display:none !important; }
}

/* ── Table of Contents ───────────────────────────────────────── */
.article-toc { background:var(--cream); border:1px solid var(--border); border-radius:10px; padding:20px 24px; margin:24px 0 32px; display:inline-block; min-width:260px; }
.article-toc strong { font-size:0.8rem; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; color:var(--teal); display:block; margin-bottom:10px; }
.article-toc ul { margin:0; padding:0; list-style:none; }
.article-toc ul li { margin-bottom:6px; }
.article-toc ul li a { font-size:0.88rem; color:var(--navy); text-decoration:none; border-bottom:1px solid transparent; transition:border-color 0.2s,color 0.2s; }
.article-toc ul li a:hover { color:var(--teal); border-bottom-color:var(--teal); }

/* ── Callout variants ─────────────────────────────────────────── */
.callout-info { background:var(--cream); border-left:3px solid var(--teal); padding:18px 22px; border-radius:0 8px 8px 0; margin:24px 0; font-size:0.9rem; color:var(--navy); line-height:1.7; }
.callout-warning { background:#fef2f2; border-left:3px solid #dc2626; padding:18px 22px; border-radius:0 8px 8px 0; margin:24px 0; font-size:0.9rem; color:#7f1d1d; line-height:1.7; }
.callout-cta { background:var(--navy); border-radius:12px; padding:28px 32px; margin:32px 0; color:white; }
.callout-cta strong { display:block; font-size:1rem; color:white; margin-bottom:8px; }
.callout-cta br + * { margin-top:6px; }
.callout-btn { display:inline-block; margin-top:16px; background:var(--teal); color:white; padding:11px 26px; border-radius:4px; font-size:0.85rem; font-weight:600; text-decoration:none; letter-spacing:0.05em; text-transform:uppercase; transition:background 0.2s; }
.callout-btn:hover { background:#145a60; }

/* ── Article table ────────────────────────────────────────────── */
.article-table-wrap { overflow-x:auto; margin:20px 0; }
.article-table { width:100%; border-collapse:collapse; font-size:0.88rem; }
.article-table thead tr { background:var(--navy); color:white; }
.article-table thead th { padding:10px 14px; text-align:left; font-weight:600; font-size:0.82rem; letter-spacing:0.04em; }
.article-table tbody tr:nth-child(odd) { background:var(--warm-white); }
.article-table tbody tr:nth-child(even) { background:var(--cream); }
.article-table td { padding:9px 14px; border-bottom:1px solid var(--border); color:var(--text); line-height:1.55; }
.article-table td strong { color:var(--navy); }

/* ── article-content alias (for newer articles) ─────────────────────────── */
.article-content h2 { font-family:'Cormorant Garamond',serif; font-size:1.65rem; font-weight:600; color:var(--navy); margin:40px 0 14px; }
.article-content h3 { font-family:'Cormorant Garamond',serif; font-size:1.25rem; font-weight:600; color:var(--navy); margin:28px 0 10px; }
.article-content p { font-size:0.95rem; color:#374151; line-height:1.85; margin-bottom:18px; font-weight:300; }
.article-content ul,.article-content ol { margin:0 0 18px 24px; display:flex; flex-direction:column; gap:8px; }
.article-content li { font-size:0.93rem; color:#374151; line-height:1.7; font-weight:300; }
.article-content strong { font-weight:600; color:var(--navy); }
.article-content table { width:100%; border-collapse:collapse; margin:20px 0; font-size:0.88rem; }
.article-content table thead tr { background:var(--navy); color:white; }
.article-content table thead th { padding:10px 14px; text-align:left; font-weight:600; font-size:0.82rem; letter-spacing:0.04em; }
.article-content table tbody tr:nth-child(odd) { background:var(--warm-white); }
.article-content table tbody tr:nth-child(even) { background:var(--cream); }
.article-content table td { padding:9px 14px; border-bottom:1px solid var(--border); color:var(--text); line-height:1.55; }
.article-content h4 { font-family:'Cormorant Garamond',serif; font-size:1.1rem; font-weight:600; color:var(--navy); margin:20px 0 8px; }

/* ─── FAQ ACCORDION ──────────────────────────────────────────────────────────── */
.faq-list { margin: 1.2rem 0; }
.faq-item {
  border: 1px solid #dde5f0;
  border-radius: 8px;
  margin-bottom: 0.65rem;
  overflow: hidden;
}
.faq-q {
  cursor: pointer;
  padding: 1rem 1.2rem;
  font-weight: 600;
  font-size: 0.97rem;
  color: var(--navy, #0f2744);
  background: #f5f8ff;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background 0.15s;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::after {
  content: "+";
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--teal, #00a99d);
  flex-shrink: 0;
  margin-left: 0.5rem;
}
details[open] .faq-q { background: #eaf2ff; }
details[open] .faq-q::after { content: "−"; }
.faq-q:hover { background: #eaf2ff; }
.faq-a {
  padding: 0.9rem 1.2rem 1rem;
  font-size: 0.93rem;
  color: #334;
  line-height: 1.65;
  border-top: 1px solid #dde5f0;
  background: white;
}
.faq-a p { margin: 0; }