/* =========================================================
   NCK WEALTH — Core Stylesheet
   Design system: Deep Navy / Midnight Blue / Emerald / Gold
   ========================================================= */

:root{
  /* Brand colors */
  --navy-950:#060f1f;
  --navy-900:#0a1730;
  --navy-800:#0f2140;
  --navy-700:#16305a;
  --midnight:#0b1a33;
  --emerald-700:#0d6b4f;
  --emerald-600:#12805f;
  --emerald-500:#19996f;
  --gold-600:#a97a23;
  --gold-500:#c9982f;
  --gold-400:#dcb154;
  --white:#ffffff;
  --grey-50:#f6f7f9;
  --grey-100:#eef0f3;
  --grey-200:#e2e5ea;
  --grey-400:#9aa3b2;
  --grey-600:#5b6472;
  --grey-800:#333c48;
  --ink:#0c1526;

  /* Semantic tokens */
  --bg-page:var(--white);
  --bg-alt:var(--grey-50);
  --bg-dark:var(--navy-900);
  --text-body: #2b3342;
  --text-muted: var(--grey-600);
  --text-on-dark: rgba(255,255,255,0.92);
  --text-on-dark-muted: rgba(255,255,255,0.68);
  --border-soft: var(--grey-200);
  --border-on-dark: rgba(255,255,255,0.14);
  --accent-gold: var(--gold-500);
  --accent-emerald: var(--emerald-600);

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;

  --shadow-sm: 0 1px 2px rgba(6,15,31,0.06), 0 1px 1px rgba(6,15,31,0.04);
  --shadow-md: 0 6px 20px rgba(6,15,31,0.08);
  --shadow-gold: 0 0 0 1px rgba(201,152,47,0.35);

  --container: 1180px;
  --container-narrow: 760px;

  --font-head: "Fraunces", "Georgia", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}

/* ---------- Reset ---------- */
*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--text-body);
  background:var(--bg-page);
  line-height:1.6;
  font-size:16px;
  overflow-x:hidden;
}
img{ max-width:100%; height:auto; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }
h1,h2,h3,h4{ font-family:var(--font-head); color:var(--navy-900); line-height:1.18; margin:0 0 .5em; font-weight:600; }
p{ margin:0 0 1em; }
input,select,textarea{ font-family:inherit; font-size:1rem; }

/* Visible keyboard focus everywhere */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible{
  outline:3px solid var(--gold-500);
  outline-offset:2px;
  border-radius:4px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

.container{ max-width:var(--container); margin:0 auto; padding:0 20px; }
.container-narrow{ max-width:var(--container-narrow); margin:0 auto; padding:0 20px; }

.section{ padding:64px 0; }
.section-tight{ padding:40px 0; }
@media (max-width:768px){
  .section{ padding:44px 0; }
  .section-tight{ padding:32px 0; }
}

.section-dark{ background:var(--navy-900); color:var(--text-on-dark); }
.section-dark h1,.section-dark h2,.section-dark h3{ color:#fff; }
.section-alt{ background:var(--bg-alt); }

.eyebrow{
  display:inline-block;
  font-size:0.8rem;
  letter-spacing:0.04em;
  color:var(--emerald-600);
  font-weight:600;
  margin-bottom:10px;
}
.section-dark .eyebrow{ color:var(--gold-400); }

.section-head{ max-width:640px; margin-bottom:36px; }
.section-head p{ color:var(--text-muted); font-size:1.05rem; }
.section-dark .section-head p{ color:var(--text-on-dark-muted); }

h1{ font-size:2.5rem; }
h2{ font-size:1.9rem; }
h3{ font-size:1.3rem; }
@media (max-width:600px){
  h1{ font-size:1.9rem; }
  h2{ font-size:1.5rem; }
  h3{ font-size:1.15rem; }
}

.lede{ font-size:1.15rem; color:var(--text-muted); }
.section-dark .lede{ color:var(--text-on-dark-muted); }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:13px 26px;
  border-radius:var(--radius-sm);
  font-weight:600;
  font-size:0.95rem;
  border:1px solid transparent;
  min-height:48px;
  transition:background-color .15s ease, border-color .15s ease, color .15s ease;
}
.btn-primary{ background:var(--emerald-600); color:#fff; }
.btn-primary:hover{ background:var(--emerald-700); }
.btn-gold{ background:var(--gold-500); color:var(--navy-950); }
.btn-gold:hover{ background:var(--gold-600); color:#fff; }
.btn-outline{ background:transparent; border-color:var(--border-on-dark); color:inherit; }
.btn-outline:hover{ border-color:var(--gold-400); color:var(--gold-400); }
.btn-outline-light{ background:transparent; border-color:rgba(255,255,255,0.4); color:#fff; }
.btn-outline-light:hover{ border-color:#fff; background:rgba(255,255,255,0.08); }
.btn-outline-navy{ background:transparent; border-color:var(--navy-700); color:var(--navy-900); }
.btn-outline-navy:hover{ background:var(--navy-900); color:#fff; }
.btn-block{ width:100%; }
.btn-sm{ padding:9px 16px; min-height:38px; font-size:0.88rem; }

.btn-whatsapp{
  background:#1f8a55;
  color:#fff;
}
.btn-whatsapp:hover{ background:#166a41; }

/* ---------- Header / Navigation ---------- */
.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(10,23,48,0.97);
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.nav-wrap{
  max-width:var(--container);
  margin:0 auto;
  padding:0 20px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  height:76px;
}
.brand{ display:flex; align-items:center; gap:8px; }

/* ---------- Brand logo (image, transparent white lockup) ---------- */
.brand-logo{ display:block; width:auto; object-fit:contain; }
.brand-logo--header{ height:44px; }
.brand-logo--footer{ height:60px; }
@media (min-width:480px){
  .brand-logo--header{ height:50px; }
}
@media (min-width:640px){
  .brand-logo--header{ height:54px; }
  .brand-logo--footer{ height:66px; }
}
@media (min-width:1024px){
  .brand-logo--header{ height:58px; }
}

/* ---------- Brand wordmark (HTML/CSS, no logo image) ---------- */
.brand-wordmark{ display:inline-flex; align-items:center; gap:9px; line-height:1; }
.brand-mark{ flex:none; width:26px; height:26px; color:var(--emerald-500); display:flex; }
.brand-mark svg{ width:100%; height:100%; }
.brand-text{ display:inline-flex; align-items:baseline; gap:3px; font-family:var(--font-head); font-weight:700; white-space:nowrap; }
.brand-primary{ color:#ffffff; font-size:1.35rem; letter-spacing:0.01em; }
.brand-accent{ color:var(--gold-400); font-size:1.35rem; letter-spacing:0.01em; }

@media (min-width:640px){
  .brand-primary, .brand-accent{ font-size:1.5rem; }
  .brand-mark{ width:28px; height:28px; }
}
@media (min-width:1024px){
  .brand-primary, .brand-accent{ font-size:1.7rem; }
  .brand-mark{ width:30px; height:30px; }
}

.main-nav{ display:none; }
.main-nav ul{ display:flex; align-items:center; gap:4px; }
.main-nav a{
  display:inline-block;
  padding:10px 14px;
  font-size:0.95rem;
  font-weight:500;
  color:var(--text-on-dark);
  border-radius:var(--radius-sm);
  transition:color .15s ease, background-color .15s ease;
}
.main-nav a:hover, .main-nav a[aria-current="page"]{ color:var(--gold-400); }
.main-nav .nav-cta{
  margin-left:6px;
  background:var(--emerald-600);
  color:#fff !important;
  padding:10px 20px;
}
.main-nav .nav-cta:hover{ background:var(--emerald-700); }

/* Dropdown (LEARN / INVEST) */
.main-nav li.has-drop{ position:relative; }
.main-nav .drop-btn{ display:inline-flex; align-items:center; gap:5px; background:none; border:none; color:var(--text-on-dark); font:inherit; padding:10px 14px; border-radius:var(--radius-sm); }
.main-nav .drop-btn svg{ width:12px; height:12px; }
.main-nav li.has-drop:hover .drop-btn,
.main-nav li.has-drop:focus-within .drop-btn{ color:var(--gold-400); }
.dropdown-panel{
  position:absolute; top:100%; left:0;
  min-width:230px;
  background:var(--navy-900);
  border:1px solid rgba(255,255,255,0.1);
  border-radius:var(--radius-md);
  box-shadow:var(--shadow-md);
  padding:8px;
  opacity:0; visibility:hidden; transform:translateY(6px);
  transition:opacity .15s ease, transform .15s ease;
}
.main-nav li.has-drop:hover .dropdown-panel,
.main-nav li.has-drop:focus-within .dropdown-panel{ opacity:1; visibility:visible; transform:translateY(0); }
.dropdown-panel a{ display:block; padding:10px 12px; border-radius:var(--radius-sm); font-size:0.92rem; }
.dropdown-panel a:hover{ background:rgba(255,255,255,0.06); }

/* Mobile nav sub-groups */
.mobile-nav .mnav-group-label{ padding:14px 20px 4px; font-size:0.76rem; letter-spacing:0.04em; color:var(--gold-400); font-weight:700; }
.mobile-nav .mnav-sub{ display:flex; flex-direction:column; }
.mobile-nav .mnav-sub a{ padding-left:32px; font-size:0.94rem; display:block; }

.nav-toggle{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:46px;
  height:46px;
  background:transparent;
  border:1px solid rgba(255,255,255,0.25);
  border-radius:var(--radius-sm);
  color:#fff;
}
.nav-toggle svg{ width:22px; height:22px; }

.mobile-nav{
  display:none;
  flex-direction:column;
  background:var(--navy-950);
  border-top:1px solid rgba(255,255,255,0.08);
}
.mobile-nav.open{ display:flex; }
.mobile-nav a{
  padding:16px 20px;
  font-size:1.02rem;
  color:var(--text-on-dark);
  border-bottom:1px solid rgba(255,255,255,0.06);
}
.mobile-nav a[aria-current="page"]{ color:var(--gold-400); }
.mobile-nav .mnav-cta{ padding:20px; }

@media (min-width:1024px){
  .main-nav{ display:block; }
  .nav-toggle{ display:none; }
}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 100%);
  color:#fff;
  padding:64px 0 56px;
}
.hero-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:36px;
  align-items:center;
}
@media (min-width:960px){
  .hero-grid{ grid-template-columns:1.1fr 0.9fr; gap:56px; }
}
.hero-tag{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:0.8rem;
  letter-spacing:0.03em;
  color:var(--gold-400);
  font-weight:600;
  margin-bottom:18px;
  padding:6px 12px;
  border:1px solid rgba(201,152,47,0.4);
  border-radius:999px;
}
.hero h1{ color:#fff; font-size:2.5rem; max-width:12ch; }
@media (min-width:640px){ .hero h1{ font-size:3rem; } }
.hero .lede{ color:rgba(255,255,255,0.82); font-size:1.15rem; max-width:46ch; margin-top:14px; }
.hero .support-text{ color:rgba(255,255,255,0.62); max-width:48ch; margin-top:10px; font-size:0.98rem; }
.hero-ctas{ display:flex; flex-wrap:wrap; gap:14px; margin-top:26px; }
.hero-media{
  position:relative;
  background:transparent;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:0;
  min-height:320px;
}
.hero-media picture{ width:100%; height:100%; display:flex; }
.hero-media img{
  width:100%;
  height:100%;
  object-fit:contain;
  object-position:center;
  filter:drop-shadow(0 18px 34px rgba(6,15,31,0.35));
}
@media (min-width:640px){ .hero-media{ min-height:440px; } }
@media (min-width:960px){ .hero-media{ min-height:560px; } }
.hero-stats{ display:flex; gap:22px; margin-top:28px; flex-wrap:wrap; }
.hero-stats .stat b{ display:block; font-family:var(--font-head); font-size:1.4rem; color:var(--gold-400); }
.hero-stats .stat span{ font-size:0.82rem; color:rgba(255,255,255,0.6); }

/* ---------- Cards ---------- */
.grid{ display:grid; gap:22px; }
.grid-2{ grid-template-columns:1fr; }
.grid-3{ grid-template-columns:1fr; }
.grid-4{ grid-template-columns:1fr; }
@media (min-width:640px){
  .grid-2{ grid-template-columns:1fr 1fr; }
  .grid-4{ grid-template-columns:1fr 1fr; }
}
@media (min-width:900px){
  .grid-3{ grid-template-columns:repeat(3,1fr); }
  .grid-4{ grid-template-columns:repeat(4,1fr); }
}

.card{
  background:#fff;
  border:1px solid var(--border-soft);
  border-radius:var(--radius-md);
  padding:26px;
  transition:border-color .15s ease, box-shadow .15s ease;
}
.card:hover{ border-color:var(--gold-500); box-shadow:var(--shadow-md); }
.card .card-icon{
  width:44px; height:44px;
  border-radius:var(--radius-sm);
  background:var(--navy-900);
  color:var(--gold-400);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:16px;
}
.card .card-icon svg{ width:22px; height:22px; }
.card h3{ margin-bottom:8px; font-size:1.15rem; }
.card p{ color:var(--text-muted); font-size:0.96rem; margin-bottom:14px; }
.card .card-link{ font-weight:600; color:var(--emerald-600); font-size:0.92rem; }
.card .card-link:hover{ color:var(--emerald-700); }

/* Dark variant card */
.card-dark{
  background:var(--navy-800);
  border:1px solid rgba(255,255,255,0.08);
  color:var(--text-on-dark);
}
.card-dark h3{ color:#fff; }
.card-dark p{ color:var(--text-on-dark-muted); }

/* Steps */
.steps{ display:grid; gap:20px; grid-template-columns:1fr; counter-reset:step; }
@media (min-width:900px){ .steps{ grid-template-columns:repeat(4,1fr); } }
.step{ border-left:2px solid var(--gold-500); padding-left:18px; }
.step .step-num{ font-family:var(--font-head); font-size:1.4rem; color:var(--gold-500); display:block; margin-bottom:6px; }
.step h3{ font-size:1.05rem; margin-bottom:6px; }
.step p{ color:var(--text-muted); font-size:0.92rem; }

/* Principle list (Why NCK WEALTH) */
.principle-grid{ display:grid; gap:18px; grid-template-columns:1fr; }
@media (min-width:640px){ .principle-grid{ grid-template-columns:1fr 1fr; } }
.principle{ display:flex; gap:14px; align-items:flex-start; }
.principle .p-mark{
  flex:none; width:34px; height:34px; border-radius:50%;
  background:rgba(25,153,111,0.12); color:var(--emerald-600);
  display:flex; align-items:center; justify-content:center; font-weight:700; font-size:0.85rem;
}
.section-dark .principle .p-mark{ background:rgba(220,177,84,0.14); color:var(--gold-400); }
.principle h3{ font-size:1rem; margin-bottom:4px; }
.principle p{ font-size:0.92rem; color:var(--text-muted); margin:0; }
.section-dark .principle p{ color:var(--text-on-dark-muted); }

/* Category pills */
.category-grid{ display:grid; gap:14px; grid-template-columns:repeat(2,1fr); }
@media (min-width:640px){ .category-grid{ grid-template-columns:repeat(3,1fr); } }
@media (min-width:900px){ .category-grid{ grid-template-columns:repeat(5,1fr); } }
.category-pill{
  display:flex; flex-direction:column; gap:6px;
  padding:18px 16px;
  border:1px solid var(--border-soft);
  border-radius:var(--radius-md);
  text-align:left;
  background:#fff;
}
.category-pill:hover{ border-color:var(--emerald-600); }
.category-pill .cat-index{ font-size:0.78rem; color:var(--gold-600); font-weight:600; }
.category-pill span.cat-name{ font-weight:600; color:var(--navy-900); font-size:0.97rem; }

/* Articles */
.article-card{ display:flex; flex-direction:column; border:1px solid var(--border-soft); border-radius:var(--radius-md); overflow:hidden; background:#fff; }
.article-card:hover{ border-color:var(--gold-500); box-shadow:var(--shadow-md); }
.article-thumb{ aspect-ratio:16/10; background:var(--navy-800); display:flex; align-items:center; justify-content:center; color:var(--gold-400); }
.article-body{ padding:20px 22px 22px; display:flex; flex-direction:column; gap:8px; flex:1; }
.article-cat{ font-size:0.76rem; font-weight:600; color:var(--emerald-600); }
.article-body h3{ font-size:1.08rem; margin-bottom:2px; }
.article-body p{ color:var(--text-muted); font-size:0.92rem; margin-bottom:8px; }
.article-meta{ font-size:0.8rem; color:var(--grey-400); margin-top:auto; }

/* Founder / photo blocks */
.founder-grid{ display:grid; gap:30px; grid-template-columns:1fr; align-items:center; }
@media (min-width:860px){ .founder-grid{ grid-template-columns:0.8fr 1.2fr; } }
.founder-photo{ border-radius:var(--radius-lg); overflow:hidden; border:1px solid var(--border-soft); background:var(--grey-100); }
.founder-photo img{ width:100%; height:100%; object-fit:cover; object-position:top center; }
.founder-photo picture{ width:100%; height:100%; display:block; }
.placeholder-photo{
  aspect-ratio:4/5; display:flex; align-items:center; justify-content:center;
  color:var(--grey-400); font-size:0.9rem; text-align:center; padding:20px;
  background:repeating-linear-gradient(45deg, var(--grey-100), var(--grey-100) 10px, var(--grey-50) 10px, var(--grey-50) 20px);
}

/* Placeholder tag */
.tag-placeholder{
  display:inline-block; background:rgba(201,152,47,0.14); color:var(--gold-600);
  border:1px dashed var(--gold-500); border-radius:4px; padding:1px 8px; font-size:0.85em; font-weight:600;
}

/* Credentials grid (About page) */
.credentials-grid{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px; margin-top:28px; }
@media (min-width:560px){ .credentials-grid{ grid-template-columns:repeat(3,1fr); } }
@media (min-width:960px){ .credentials-grid{ grid-template-columns:repeat(5,1fr); gap:16px; } }
.credential-card{
  background:#fff; border:1px solid var(--border-soft); border-radius:var(--radius-md);
  padding:18px 12px; text-align:center;
}
.credential-card .cred-value{ font-family:var(--font-head); font-weight:700; font-size:1.4rem; color:var(--navy-900); line-height:1.2; }
.credential-card .cred-label{ font-size:0.78rem; color:var(--text-muted); margin-top:4px; }

/* CTA band */
.cta-band{
  background:var(--navy-900);
  color:#fff;
  border-radius:var(--radius-lg);
  padding:44px 32px;
  text-align:center;
}
.cta-band h2{ color:#fff; }
.cta-band p{ color:var(--text-on-dark-muted); max-width:56ch; margin:0 auto 22px; }
.cta-actions{ display:flex; justify-content:center; gap:14px; flex-wrap:wrap; }

/* Social */
.social-row{ display:flex; gap:12px; flex-wrap:wrap; }
.social-icon{
  width:42px; height:42px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  border:1px solid var(--border-on-dark);
  color:#fff;
}
.social-icon:hover{ border-color:var(--gold-400); color:var(--gold-400); }
.social-icon svg{ width:18px; height:18px; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--navy-950); color:var(--text-on-dark-muted); padding-top:56px; }
.footer-grid{ display:grid; gap:32px; grid-template-columns:1fr; padding-bottom:36px; border-bottom:1px solid rgba(255,255,255,0.08); }
@media (min-width:760px){ .footer-grid{ grid-template-columns:1.4fr 1fr 1fr 1fr; } }
.footer-brand .brand-logo{ margin-bottom:14px; }
.footer-brand .foot-tagline{ color:var(--gold-400); font-weight:600; font-size:0.9rem; letter-spacing:0.02em; }
.footer-brand p{ font-size:0.88rem; margin-top:8px; }
.footer-col h4{ color:#fff; font-family:var(--font-body); font-size:0.85rem; letter-spacing:0.03em; margin-bottom:14px; font-weight:600; }
.footer-col ul li{ margin-bottom:10px; }
.footer-col a{ font-size:0.9rem; }
.footer-col a:hover{ color:var(--gold-400); }
.footer-bottom{ display:flex; flex-wrap:wrap; gap:12px; justify-content:space-between; align-items:center; padding:22px 0 30px; font-size:0.82rem; }

/* ---------- Forms ---------- */
.form-grid{ display:grid; gap:18px; grid-template-columns:1fr; }
@media (min-width:640px){ .form-grid.two-col{ grid-template-columns:1fr 1fr; } }
.field label{ display:block; font-size:0.88rem; font-weight:600; color:var(--navy-900); margin-bottom:6px; }
.field .req{ color:var(--emerald-600); }
.field input, .field select, .field textarea{
  width:100%;
  padding:12px 14px;
  border:1px solid var(--grey-200);
  border-radius:var(--radius-sm);
  background:#fff;
  color:var(--text-body);
}
.field input:focus, .field select:focus, .field textarea:focus{ border-color:var(--emerald-600); }
.field .error-msg{ color:#b3261e; font-size:0.82rem; margin-top:5px; display:none; }
.field.has-error input, .field.has-error select, .field.has-error textarea{ border-color:#b3261e; }
.field.has-error .error-msg{ display:block; }
.form-note{ font-size:0.82rem; color:var(--text-muted); margin-top:8px; }
.form-success{
  display:none; background:rgba(25,153,111,0.1); border:1px solid var(--emerald-600); color:var(--emerald-700);
  padding:16px; border-radius:var(--radius-sm); margin-bottom:20px; font-size:0.92rem;
}
.form-success.visible{ display:block; }

/* ---------- WhatsApp floating button ---------- */
.wa-float{
  position:fixed; right:18px; bottom:18px; z-index:200;
  width:58px; height:58px; border-radius:50%;
  background:#1f8a55; color:#fff;
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 8px 20px rgba(6,15,31,0.3);
}
.wa-float svg{ width:28px; height:28px; }
.wa-float:hover{ background:#166a41; }
@media (min-width:640px){ .wa-float{ right:26px; bottom:26px; } }

/* ---------- Disclaimer strip ---------- */
.disclaimer-strip{
  background:var(--grey-50);
  border-top:1px solid var(--border-soft);
  border-bottom:1px solid var(--border-soft);
  font-size:0.84rem;
  color:var(--text-muted);
  padding:14px 0;
}

/* ---------- Breadcrumb ---------- */
.breadcrumb{ font-size:0.85rem; color:var(--text-on-dark-muted); }
.breadcrumb a:hover{ color:var(--gold-400); }
.breadcrumb span{ margin:0 6px; }

/* ---------- Page header (inner pages) ---------- */
.page-header{ background:var(--navy-900); color:#fff; padding:40px 0 34px; }
.page-header h1{ color:#fff; margin-bottom:8px; }
.page-header p{ color:var(--text-on-dark-muted); max-width:60ch; }

/* ---------- Table of contents / legal ---------- */
.legal-body h2{ font-size:1.25rem; margin-top:34px; }
.legal-body h3{ font-size:1.05rem; margin-top:22px; }
.legal-body p, .legal-body li{ color:var(--text-body); font-size:0.98rem; }
.legal-body ul{ list-style:disc; padding-left:22px; margin-bottom:1em; }
.legal-body .updated{ color:var(--text-muted); font-size:0.88rem; }

/* ---------- Blog article typography ---------- */
.article-content{ max-width:70ch; margin:0 auto; }
.article-content h2{ font-size:1.4rem; margin-top:1.6em; }
.article-content h3{ font-size:1.15rem; margin-top:1.4em; }
.article-content p{ font-size:1.05rem; color:var(--text-body); }
.article-content ul{ list-style:disc; padding-left:22px; margin-bottom:1.2em; }
.article-content blockquote{
  border-left:3px solid var(--gold-500); padding:6px 0 6px 18px; color:var(--text-muted); font-style:italic; margin:1.4em 0;
}
.share-row{ display:flex; gap:10px; flex-wrap:wrap; align-items:center; margin:24px 0; }
.share-row .share-label{ font-size:0.85rem; color:var(--text-muted); font-weight:600; }

/* ---------- Calculators ---------- */
.calc-card{ background:#fff; border:1px solid var(--border-soft); border-radius:var(--radius-lg); padding:28px; }
.calc-grid{ display:grid; gap:28px; grid-template-columns:1fr; }
@media (min-width:860px){ .calc-grid{ grid-template-columns:1fr 1fr; } }
.calc-field{ margin-bottom:18px; }
.calc-field label{ display:flex; justify-content:space-between; font-size:0.9rem; font-weight:600; color:var(--navy-900); margin-bottom:6px; }
.calc-field output{ color:var(--emerald-600); font-weight:700; }
.calc-field input[type="range"]{ width:100%; accent-color:var(--emerald-600); }
.calc-field input[type="number"]{ width:100%; padding:10px 12px; border:1px solid var(--grey-200); border-radius:var(--radius-sm); }
.calc-result{ background:var(--navy-900); color:#fff; border-radius:var(--radius-md); padding:22px; }
.calc-result .result-row{ display:flex; justify-content:space-between; padding:10px 0; border-bottom:1px solid rgba(255,255,255,0.1); font-size:0.95rem; }
.calc-result .result-row:last-child{ border-bottom:none; }
.calc-result .result-row b{ color:var(--gold-400); font-family:var(--font-head); font-size:1.15rem; }
.calc-disclaimer{ font-size:0.8rem; color:var(--text-muted); margin-top:14px; }
.calc-tabs{ display:flex; gap:8px; flex-wrap:wrap; margin-bottom:24px; }
.calc-tab{ padding:10px 16px; border:1px solid var(--border-soft); border-radius:999px; font-size:0.9rem; font-weight:600; color:var(--text-muted); background:#fff; }
.calc-tab[aria-selected="true"]{ background:var(--navy-900); color:#fff; border-color:var(--navy-900); }
.calc-panel{ display:none; }
.calc-panel.active{ display:block; }

/* ---------- Utilities ---------- */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }
.mb-0{ margin-bottom:0; }
.flex{ display:flex; }
.flex-wrap{ flex-wrap:wrap; }
.gap-10{ gap:10px; }
.gap-16{ gap:16px; }
.hidden-mobile{ display:none; }
@media (min-width:768px){ .hidden-mobile{ display:initial; } }
.skip-link{
  position:absolute; left:-999px; top:auto;
  background:#fff; color:var(--navy-900); padding:10px 16px; z-index:1000; border-radius:4px;
}
.skip-link:focus{ left:16px; top:16px; }
.divider{ height:1px; background:var(--border-soft); margin:40px 0; }
.pagination{ display:flex; justify-content:center; gap:8px; margin-top:36px; }
.pagination a, .pagination span{ width:40px; height:40px; display:flex; align-items:center; justify-content:center; border-radius:var(--radius-sm); border:1px solid var(--border-soft); font-size:0.9rem; }
.pagination a:hover{ border-color:var(--emerald-600); }
.pagination .current{ background:var(--navy-900); color:#fff; border-color:var(--navy-900); }

.badge-row{ display:flex; gap:10px; flex-wrap:wrap; margin-top:18px; }
.badge{ font-size:0.78rem; color:var(--text-muted); border:1px solid var(--border-soft); border-radius:999px; padding:5px 12px; }


/* ---------- YouTube ---------- */
.nav-youtube{ color:#ff5a5f !important; font-weight:700 !important; }
.nav-youtube:hover{ color:#fff !important; background:rgba(255,70,75,.12); }
.youtube-head{ display:flex; align-items:flex-end; justify-content:space-between; gap:24px; }
.youtube-block{ margin-top:36px; }
.youtube-shorts-block{ margin-top:48px; }
.youtube-block-head{ margin-bottom:20px; }
.youtube-block-head h3{ margin:0 0 4px; font-size:1.25rem; }
.youtube-block-head p{ margin:0; color:var(--text-muted); font-size:0.92rem; }

.youtube-grid{ display:grid; grid-template-columns:1fr; gap:20px; }
.youtube-card{
  display:flex; flex-direction:column;
  background:#fff; border:1px solid var(--border-soft); border-radius:var(--radius-md);
  overflow:hidden; color:inherit;
  box-shadow:var(--shadow-sm);
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.youtube-card:hover{ transform:translateY(-4px); border-color:var(--gold-500); box-shadow:var(--shadow-md); }
.youtube-thumb{ position:relative; aspect-ratio:16/9; background:var(--navy-900); overflow:hidden; }
.youtube-thumb img{ width:100%; height:100%; object-fit:cover; display:block; transition:transform .3s ease; }
.youtube-card:hover .youtube-thumb img{ transform:scale(1.04); }
.youtube-duration{ position:absolute; right:8px; bottom:8px; background:rgba(6,15,31,.85); color:#fff; padding:3px 7px; border-radius:4px; font-size:.74rem; font-weight:600; }
.youtube-play{
  position:absolute; left:50%; top:50%; transform:translate(-50%,-50%);
  width:52px; height:52px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background:rgba(10,23,48,.55); border:1.5px solid rgba(255,255,255,.75);
  color:#fff; font-size:19px; padding-left:3px;
  backdrop-filter:blur(2px);
  transition:background-color .2s ease, transform .2s ease;
}
.youtube-card:hover .youtube-play{ background:var(--emerald-600); transform:translate(-50%,-50%) scale(1.06); }
.youtube-card-body{ padding:16px 17px 18px; display:flex; flex-direction:column; gap:8px; flex:1; }
.youtube-card-body h4{ margin:0; font-size:.98rem; line-height:1.35; color:var(--navy-900); }
.youtube-card-body p{ margin:0; font-size:.84rem; color:var(--text-muted); line-height:1.4; }
.youtube-watch-link{ margin-top:auto; display:inline-flex; align-items:center; gap:5px; color:var(--emerald-600); font-size:.82rem; font-weight:700; }
.youtube-card:hover .youtube-watch-link{ color:var(--emerald-700); }

/* Shorts: true portrait 9:16 cards in their own rail */
.youtube-shorts-grid{ grid-template-columns:repeat(2,1fr); gap:16px; }
.youtube-shorts-grid .youtube-thumb{ aspect-ratio:9/16; }
.youtube-shorts-grid .youtube-play{ width:44px; height:44px; font-size:16px; }
.youtube-shorts-grid .youtube-card-body{ padding:13px 14px 15px; }
.youtube-shorts-grid .youtube-card-body h4{ font-size:.9rem; }

/* Empty / unavailable state — customer-facing, no technical language */
.youtube-empty-state{
  grid-column:1/-1;
  display:flex; flex-direction:column; align-items:center; justify-content:center; gap:10px;
  text-align:center; padding:44px 24px;
  border:1px solid var(--border-soft); border-radius:var(--radius-md); background:#fff;
}
.youtube-empty-state .yt-empty-icon{
  width:44px; height:44px; border-radius:50%;
  background:rgba(25,153,111,0.1); color:var(--emerald-600);
  display:flex; align-items:center; justify-content:center;
}
.youtube-empty-state .yt-empty-icon svg{ width:20px; height:20px; }
.youtube-empty-state p{ margin:0; color:var(--text-muted); font-size:.94rem; max-width:36ch; }
.youtube-empty-state a{ font-weight:700; color:var(--emerald-600); font-size:.88rem; }

/* Skeleton loading cards, shown while the feed loads */
.youtube-skeleton-card{
  border-radius:var(--radius-md); overflow:hidden; background:#fff; border:1px solid var(--border-soft);
  aspect-ratio:16/9;
  position:relative;
}
.youtube-skeleton-card--vertical{ aspect-ratio:9/16; }
.youtube-skeleton-card::after{
  content:""; position:absolute; inset:0;
  background:linear-gradient(100deg, var(--grey-100) 30%, var(--grey-50) 50%, var(--grey-100) 70%);
  background-size:200% 100%;
  animation:yt-skeleton-pulse 1.4s ease-in-out infinite;
}
@keyframes yt-skeleton-pulse{
  0%{ background-position:-40% 0; }
  100%{ background-position:140% 0; }
}
@media (prefers-reduced-motion: reduce){
  .youtube-skeleton-card::after{ animation:none; background-position:0 0; }
}

@media (min-width:560px){ .youtube-shorts-grid{ grid-template-columns:repeat(3,1fr); } }
@media (min-width:640px){ .youtube-grid{ grid-template-columns:repeat(2,1fr); } }
@media (min-width:960px){
  .youtube-grid{ grid-template-columns:repeat(4,1fr); }
  .youtube-shorts-grid{ grid-template-columns:repeat(5,1fr); }
}
@media (max-width:639px){ .youtube-head{ align-items:flex-start; flex-direction:column; } }

/* Mobile: Shorts become a smooth horizontal-scroll rail instead of a cramped grid */
@media (max-width:559px){
  .youtube-shorts-grid{
    display:flex; gap:14px;
    grid-template-columns:none;
    overflow-x:auto; scroll-snap-type:x mandatory; -webkit-overflow-scrolling:touch;
    padding-bottom:6px; margin:0 -20px; padding-left:20px; padding-right:20px;
  }
  .youtube-shorts-grid .youtube-card,
  .youtube-shorts-grid .youtube-skeleton-card,
  .youtube-shorts-grid .youtube-empty-state{
    flex:0 0 62%; scroll-snap-align:start;
  }
}