@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@400;600;700&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0F1C3F;
  --navy-mid:   #162347;
  --navy-light: #1E2F5E;
  --gold:       #C9A84C;
  --gold-light: #E2C06A;
  --green:      #27AE60;
  --green-light:#2ECC71;
  --white:      #FFFFFF;
  --bg:         #F4F6FA;
  --bg-card:    #FFFFFF;
  --text:       #1A2342;
  --text-muted: #6B7A99;
  --border:     #DDE3EF;
  --shadow-sm:  0 2px 8px rgba(15,28,63,.08);
  --shadow-md:  0 6px 24px rgba(15,28,63,.12);
  --shadow-lg:  0 16px 48px rgba(15,28,63,.16);
  --radius:     10px;
  --radius-lg:  18px;
  --transition: .25s ease;
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--bg); line-height: 1.7; font-size: 16px; }

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4,h5,h6 { font-family: 'Playfair Display', serif; line-height: 1.25; color: var(--navy); }
h1 { font-size: clamp(2rem,4.5vw,3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem,3vw,2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem,2vw,1.5rem); font-weight: 600; }
h4 { font-size: 1.15rem; font-weight: 600; }
p  { margin-bottom: 1rem; color: var(--text-muted); }
p:last-child { margin-bottom: 0; }

/* ── LAYOUT ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 52px 0; }
.section-lg { padding: 110px 0; }

/* ── HEADER ── */
.site-header {
  background: var(--navy);
  position: sticky; top: 0; z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,.25);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}
.logo { display: flex; align-items: center; gap: 10px; }
.logo-mark {
  width: 38px; height: 38px;
  background: var(--gold);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem; color: var(--navy); font-family: 'Inter', sans-serif;
}
.logo-text { color: var(--white); font-size: 1.3rem; font-weight: 700; font-family: 'Inter', sans-serif; letter-spacing: -.5px; }
.logo-text span { color: var(--gold); }

.nav-desktop ul { display: flex; align-items: center; gap: 4px; }
.nav-desktop a {
  color: rgba(255,255,255,.8); padding: 8px 14px; border-radius: 7px;
  font-size: .9rem; font-weight: 500; transition: var(--transition);
}
.nav-desktop a:hover, .nav-desktop a.active { color: var(--white); background: rgba(255,255,255,.1); }

.nav-desktop .dropdown { position: relative; }
.nav-desktop .dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); min-width: 220px;
  padding: 8px; display: none;
  border: 1px solid var(--border);
}
.nav-desktop .dropdown:hover .dropdown-menu { display: block; }
.nav-desktop .dropdown-menu a {
  color: var(--text); display: block; padding: 10px 14px;
  border-radius: 6px; font-size: .875rem;
}
.nav-desktop .dropdown-menu a:hover { background: var(--bg); color: var(--navy); }

.header-cta {
  background: var(--gold); color: var(--navy) !important;
  font-weight: 700; padding: 10px 22px !important;
  border-radius: 8px !important;
}
.header-cta:hover { background: var(--gold-light) !important; }

.hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }

.mobile-nav {
  display: none; background: var(--navy-mid);
  border-top: 1px solid rgba(255,255,255,.1);
}
.mobile-nav.open { display: block; }
.mobile-nav ul { padding: 12px 24px 20px; }
.mobile-nav li { border-bottom: 1px solid rgba(255,255,255,.08); }
.mobile-nav a { display: block; color: rgba(255,255,255,.85); padding: 12px 0; font-size: .95rem; }
.mobile-nav a:hover { color: var(--gold); }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  position: relative; overflow: hidden; padding: 100px 0 80px;
  min-height: 88vh; display: flex; align-items: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.hero-content {}
.hero-tag { display: inline-block; color: var(--gold); font-size: .8rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 20px; }
.hero h1 { color: var(--white); margin-bottom: 22px; }
.hero h1 em { color: var(--gold); font-style: normal; }
.hero-lead { color: rgba(255,255,255,.7); font-size: 1.1rem; margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 48px; }
.hero-stat { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 20px 16px; text-align: center; }
.hero-stat .num { font-size: 1.8rem; font-weight: 800; color: var(--gold); font-family: 'Inter', sans-serif; }
.hero-stat .lbl { font-size: .75rem; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: 1px; margin-top: 4px; }

.hero-visual { position: relative; }
.hero-chart-box {
  background: rgba(255,255,255,.06); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius-lg);
  padding: 28px; overflow: hidden;
}
.hero-chart-box h4 { color: var(--white); font-family: 'Inter', sans-serif; font-size: .85rem; font-weight: 600; margin-bottom: 20px; }
.chart-bars { display: flex; align-items: flex-end; gap: 8px; height: 140px; }
.chart-bar {
  flex: 1; border-radius: 6px 6px 0 0;
  background: linear-gradient(to top, var(--gold), var(--gold-light));
  opacity: .8; transition: opacity .3s;
}
.chart-bar:hover { opacity: 1; }
.chart-labels { display: flex; gap: 8px; margin-top: 8px; }
.chart-labels span { flex: 1; text-align: center; font-size: .7rem; color: rgba(255,255,255,.5); }
.hero-ticker {
  display: flex; gap: 12px; margin-top: 16px; overflow: hidden;
}
.ticker-item {
  background: rgba(255,255,255,.08); border-radius: 8px; padding: 10px 14px;
  display: flex; flex-direction: column; gap: 2px; min-width: 110px;
}
.ticker-item .t-name { font-size: .7rem; color: rgba(255,255,255,.6); text-transform: uppercase; }
.ticker-item .t-val { font-size: 1rem; font-weight: 700; color: var(--white); font-family: 'Inter', sans-serif; }
.ticker-item .t-chg { font-size: .75rem; font-weight: 600; }
.t-up { color: var(--green-light); }
.t-dn { color: #FF6B6B; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: 8px; font-weight: 600;
  font-size: .9rem; transition: var(--transition); font-family: 'Inter', sans-serif;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(201,168,76,.4); }
.btn-outline { border: 2px solid rgba(255,255,255,.35); color: var(--white); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-light); transform: translateY(-1px); }
.btn-ghost { color: var(--navy); border: 2px solid var(--border); background: var(--white); }
.btn-ghost:hover { border-color: var(--navy); }
.btn-sm { padding: 9px 20px; font-size: .825rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }

/* ── SECTION HEADER ── */
.section-head { text-align: center; max-width: 680px; margin: 0 auto 52px; }
.section-head .eyebrow { display: inline-block; color: var(--gold); font-size: .75rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 14px; }
.section-head h2 { margin-bottom: 16px; }
.section-head p { color: var(--text-muted); font-size: 1.05rem; }

/* ── CARDS ── */
.card {
  background: var(--bg-card); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm); border: 1px solid var(--border);
  overflow: hidden; transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-body { padding: 28px; }
.card-img { width: 100%; height: 220px; object-fit: cover; }
.card-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card-icon svg { width: 24px; height: 24px; stroke: var(--gold); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* ── GRID LAYOUTS ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }

/* ── STAT STRIP ── */
.stat-strip { background: var(--navy); padding: 48px 0; }
.stat-strip .grid-4 { gap: 0; }
.stat-item { text-align: center; padding: 24px; border-right: 1px solid rgba(255,255,255,.1); }
.stat-item:last-child { border-right: none; }
.stat-item .num { font-size: 2.4rem; font-weight: 800; color: var(--gold); font-family: 'Inter', sans-serif; line-height: 1; margin-bottom: 8px; }
.stat-item .lbl { color: rgba(255,255,255,.7); font-size: .85rem; }

/* ── FEATURE LIST ── */
.feature-item { display: flex; gap: 16px; margin-bottom: 28px; align-items: flex-start; }
.feature-item:last-child { margin-bottom: 0; }
.feature-icon {
  width: 44px; height: 44px; min-width: 44px; border-radius: 10px;
  background: linear-gradient(135deg, rgba(201,168,76,.15), rgba(201,168,76,.05));
  border: 1px solid rgba(201,168,76,.25);
  display: flex; align-items: center; justify-content: center;
}
.feature-icon svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.feature-text h4 { margin-bottom: 5px; font-family: 'Inter', sans-serif; }

/* ── TABLE ── */
.data-table { width: 100%; border-collapse: collapse; }
.data-table th { background: var(--navy); color: var(--white); padding: 14px 18px; text-align: left; font-size: .8rem; text-transform: uppercase; letter-spacing: 1px; font-family: 'Inter', sans-serif; font-weight: 600; }
.data-table td { padding: 14px 18px; border-bottom: 1px solid var(--border); font-size: .9rem; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--bg); }
.table-wrap { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); border: 1px solid var(--border); }
.badge { display: inline-flex; align-items: center; padding: 3px 10px; border-radius: 30px; font-size: .75rem; font-weight: 600; }
.badge-green { background: rgba(39,174,96,.12); color: var(--green); }
.badge-red { background: rgba(231,76,60,.12); color: #E74C3C; }
.badge-gold { background: rgba(201,168,76,.15); color: var(--gold); }
.badge-navy { background: rgba(15,28,63,.1); color: var(--navy); }

/* ── BREADCRUMB ── */
.breadcrumb { background: var(--navy); padding: 16px 0; }
.breadcrumb ul { display: flex; align-items: center; gap: 8px; }
.breadcrumb a { color: rgba(255,255,255,.6); font-size: .85rem; transition: var(--transition); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb li:not(:last-child)::after { content: '/'; color: rgba(255,255,255,.3); margin-left: 8px; }
.breadcrumb li:last-child a { color: var(--gold); }

/* ── PAGE HERO ── */
.page-hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); padding: 72px 0 60px; }
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,.7); font-size: 1.05rem; max-width: 600px; margin-bottom: 0; }

/* ── BLOG ── */
.blog-card .card-img { height: 200px; }
.blog-meta { display: flex; align-items: center; gap: 14px; margin-bottom: 12px; }
.blog-meta .date { font-size: .8rem; color: var(--text-muted); }
.blog-meta .cat { font-size: .75rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: 1px; }
.blog-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.blog-card h3 a:hover { color: var(--gold); }
.read-more { display: inline-flex; align-items: center; gap: 6px; color: var(--gold); font-size: .85rem; font-weight: 600; margin-top: 12px; }
.read-more svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2; }
.read-more:hover { gap: 10px; }

/* ── ARTICLE ── */
.article-hero-img { width: 100%; height: 420px; object-fit: cover; border-radius: var(--radius-lg); margin-bottom: 36px; }
.article-body { max-width: 800px; margin: 0 auto; }
.article-body h2 { margin: 36px 0 14px; font-size: 1.6rem; }
.article-body h3 { margin: 28px 0 12px; font-size: 1.25rem; }
.article-body p { color: var(--text); font-size: 1.02rem; line-height: 1.8; }
.article-body ul, .article-body ol { margin: 16px 0 24px 22px; }
.article-body li { color: var(--text); font-size: 1.02rem; line-height: 1.8; margin-bottom: 8px; }
.article-body blockquote {
  border-left: 4px solid var(--gold); padding: 20px 24px;
  background: rgba(201,168,76,.06); border-radius: 0 var(--radius) var(--radius) 0;
  margin: 28px 0;
}
.article-body blockquote p { font-style: italic; font-size: 1.08rem; color: var(--navy); }
.article-meta-bar { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-bottom: 28px; }
.article-meta-bar .cat { font-size: .75rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: 1.5px; }
.article-meta-bar .date, .article-meta-bar .read-time { font-size: .85rem; color: var(--text-muted); }

/* ── INFO BOX ── */
.info-box {
  background: linear-gradient(135deg, rgba(15,28,63,.04), rgba(201,168,76,.05));
  border: 1px solid rgba(201,168,76,.2); border-radius: var(--radius-lg);
  padding: 28px 32px;
}
.info-box-blue { background: rgba(15,28,63,.04); border-color: rgba(15,28,63,.15); }
.highlight-box {
  background: var(--navy); border-radius: var(--radius-lg); padding: 40px;
  color: var(--white);
}
.highlight-box h2, .highlight-box h3 { color: var(--white); }
.highlight-box p { color: rgba(255,255,255,.75); }

/* ── CONTACT ── */
.contact-form { background: var(--white); border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 22px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--border);
  border-radius: var(--radius); font-size: .9rem; font-family: 'Inter', sans-serif;
  background: var(--white); color: var(--text); transition: var(--transition);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.12);
}
.form-group textarea { resize: vertical; min-height: 130px; }
.success-msg {
  display: none; background: rgba(39,174,96,.1); border: 1px solid var(--green);
  border-radius: var(--radius); padding: 16px 20px; color: var(--green);
  font-weight: 600; text-align: center; margin-top: 16px;
}
.success-msg.show { display: block; }

/* ── CONTACT INFO ── */
.contact-info-item { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 28px; }
.contact-info-item:last-child { margin-bottom: 0; }
.ci-icon {
  width: 46px; height: 46px; min-width: 46px; border-radius: 10px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
}
.ci-icon svg { width: 20px; height: 20px; stroke: var(--gold); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.ci-text h4 { font-family: 'Inter', sans-serif; font-size: .85rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }
.ci-text p { font-size: .95rem; color: var(--text); margin: 0; }

/* ── ACCORDION ── */
.accordion-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
.accordion-trigger {
  display: flex; align-items: center; justify-content: space-between;
  width: 100%; padding: 18px 22px; background: var(--white); text-align: left;
  font-size: .95rem; font-weight: 600; color: var(--navy); transition: var(--transition);
}
.accordion-trigger:hover { background: var(--bg); }
.accordion-trigger.open { background: var(--navy); color: var(--white); }
.accordion-trigger .icon { transition: transform .3s; }
.accordion-trigger.open .icon { transform: rotate(45deg); }
.accordion-icon { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 2; }
.accordion-body { display: none; padding: 18px 22px; background: var(--white); border-top: 1px solid var(--border); }
.accordion-body.open { display: block; }
.accordion-body p { color: var(--text-muted); font-size: .93rem; margin: 0; }

/* ── TABS ── */
.tabs-nav { display: flex; gap: 4px; border-bottom: 2px solid var(--border); margin-bottom: 28px; }
.tab-btn {
  padding: 12px 22px; border-radius: var(--radius) var(--radius) 0 0;
  font-size: .9rem; font-weight: 600; color: var(--text-muted);
  border-bottom: 2px solid transparent; margin-bottom: -2px; transition: var(--transition);
}
.tab-btn:hover { color: var(--navy); }
.tab-btn.active { color: var(--navy); border-bottom-color: var(--gold); background: rgba(201,168,76,.06); }
.tab-pane { display: none; }
.tab-pane.active { display: block; }

/* ── PROGRESS BAR ── */
.progress-item { margin-bottom: 20px; }
.progress-head { display: flex; justify-content: space-between; margin-bottom: 8px; }
.progress-head span { font-size: .875rem; font-weight: 600; color: var(--navy); }
.progress-track { height: 8px; background: var(--bg); border-radius: 30px; overflow: hidden; }
.progress-fill { height: 100%; border-radius: 30px; background: linear-gradient(90deg, var(--navy), var(--gold)); }

/* ── QUOTE CALLOUT ── */
.quote-callout {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-lg); padding: 48px; text-align: center;
}
.quote-callout .qmark { font-size: 5rem; color: var(--gold); opacity: .4; line-height: 1; font-family: Georgia, serif; }
.quote-callout blockquote { font-size: 1.3rem; color: var(--white); font-style: italic; max-width: 700px; margin: 0 auto; line-height: 1.7; }
.quote-callout cite { display: block; margin-top: 16px; color: var(--gold); font-size: .85rem; font-style: normal; font-weight: 600; }

/* ── FOOTER ── */
.site-footer { background: var(--navy); color: rgba(255,255,255,.75); padding: 72px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-about p { color: rgba(255,255,255,.6); font-size: .9rem; line-height: 1.8; margin-top: 16px; }
.footer-col h5 { color: var(--white); font-family: 'Inter', sans-serif; font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul a { color: rgba(255,255,255,.6); font-size: .875rem; transition: var(--transition); }
.footer-col ul a:hover { color: var(--gold); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; padding: 20px 0; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: .82rem; color: rgba(255,255,255,.4); margin: 0; }
.footer-bottom a { color: rgba(255,255,255,.4); font-size: .82rem; transition: var(--transition); }
.footer-bottom a:hover { color: var(--gold); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-disclaimer { border-top: 1px solid rgba(255,255,255,.08); padding: 16px 0; }
.footer-disclaimer p { font-size: .78rem; color: rgba(255,255,255,.35); line-height: 1.6; margin: 0; }

/* ── POLICY PAGES ── */
.policy-wrap { max-width: 860px; margin: 0 auto; background: var(--white); border-radius: var(--radius-lg); padding: 48px; box-shadow: var(--shadow-sm); }
.policy-wrap h1 { font-size: 1.9rem; margin-bottom: 8px; }
.policy-meta { font-size: .85rem; color: var(--text-muted); margin-bottom: 36px; padding-bottom: 20px; border-bottom: 1px solid var(--border); }
.policy-wrap h2 { font-size: 1.25rem; margin: 32px 0 12px; color: var(--navy); }
.policy-wrap h3 { font-size: 1.05rem; margin: 22px 0 10px; color: var(--navy); }
.policy-wrap p { color: var(--text); font-size: .95rem; line-height: 1.75; }
.policy-wrap ul, .policy-wrap ol { margin: 14px 0 20px 22px; }
.policy-wrap li { color: var(--text); font-size: .95rem; line-height: 1.75; margin-bottom: 8px; }
.policy-wrap table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.policy-wrap th { background: var(--bg); padding: 12px 16px; text-align: left; font-size: .83rem; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; color: var(--navy); border: 1px solid var(--border); }
.policy-wrap td { padding: 11px 16px; border: 1px solid var(--border); font-size: .9rem; color: var(--text); }
.policy-wrap tr:nth-child(even) td { background: var(--bg); }

/* ── MAP BOX ── */
.map-box { background: var(--bg); border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); }
.map-placeholder { height: 300px; background: linear-gradient(135deg, #e8ecf4, #d0d7e8); display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 10px; }
.map-placeholder svg { width: 40px; height: 40px; stroke: var(--navy); fill: none; stroke-width: 1.5; opacity: .4; }
.map-placeholder span { color: var(--text-muted); font-size: .9rem; }

/* ── TIMELINE ── */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 2px; background: var(--border); }
.tl-item { position: relative; margin-bottom: 36px; }
.tl-item::before { content: ''; position: absolute; left: -38px; top: 4px; width: 12px; height: 12px; border-radius: 50%; background: var(--gold); border: 2px solid var(--white); box-shadow: 0 0 0 2px var(--gold); }
.tl-item h4 { font-family: 'Inter', sans-serif; margin-bottom: 6px; }
.tl-item .tl-date { font-size: .8rem; color: var(--gold); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }

/* ── COOKIE BANNER ── */
.cookie-banner {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%);
  background: var(--navy); border-radius: var(--radius-lg); padding: 20px 28px;
  display: flex; align-items: center; gap: 20px; box-shadow: var(--shadow-lg);
  z-index: 9999; max-width: 680px; width: calc(100% - 48px);
  border: 1px solid rgba(255,255,255,.1);
}
.cookie-banner p { color: rgba(255,255,255,.8); font-size: .85rem; margin: 0; }
.cookie-banner a { color: var(--gold); }
.cookie-btns { display: flex; gap: 10px; flex-shrink: 0; }

/* ── TOOLTIP ── */
.tooltip-wrap { position: relative; display: inline-block; }
.tooltip-text {
  visibility: hidden; background: var(--navy); color: var(--white);
  font-size: .78rem; padding: 6px 12px; border-radius: 6px;
  position: absolute; bottom: 130%; left: 50%; transform: translateX(-50%);
  white-space: nowrap; opacity: 0; transition: opacity .2s;
}
.tooltip-wrap:hover .tooltip-text { visibility: visible; opacity: 1; }

/* ── BACK TO TOP ── */
#back-top {
  position: fixed; bottom: 28px; right: 28px; width: 44px; height: 44px;
  background: var(--gold); color: var(--navy); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md); cursor: pointer; opacity: 0; pointer-events: none;
  transition: var(--transition); z-index: 900;
}
#back-top.visible { opacity: 1; pointer-events: all; }
#back-top:hover { background: var(--gold-light); transform: translateY(-2px); }
#back-top svg { width: 18px; height: 18px; stroke: var(--navy); fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-grid { gap: 40px; }
}
@media (max-width: 768px) {
  .nav-desktop { display: none; }
  .hamburger { display: flex; }
  .hero { padding: 72px 0 60px; min-height: auto; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: none; }
  .hero-stats { grid-template-columns: repeat(3,1fr); }
  .grid-3, .grid-4 { grid-template-columns: repeat(2,1fr); }
  .grid-2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stat-strip .grid-4 { grid-template-columns: repeat(2,1fr); }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
  .policy-wrap { padding: 28px 20px; }
  .cookie-banner { flex-direction: column; text-align: center; }
  .tabs-nav { overflow-x: auto; }
}
@media (max-width: 480px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  h1 { font-size: 1.85rem; }
}