/* ==========================================================================
   Saving Plan Finance — core stylesheet
   ========================================================================== */

:root{
  --navy:#0b1d33;
  --navy-2:#12294a;
  --navy-3:#1c3a63;
  --teal:#0f7b74;
  --teal-2:#12a093;
  --teal-soft:#e4f4f1;
  --gold:#c9a227;
  --gold-soft:#faf3dd;
  --ink:#16202b;
  --muted:#5a6b7d;
  --line:#e2e8ef;
  --bg:#ffffff;
  --bg-soft:#f5f8fb;
  --danger:#b3261e;
  --ok:#0f7b74;
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 18px 40px -24px rgba(11,29,51,.45);
  --shadow-lg:0 34px 70px -34px rgba(11,29,51,.5);
  --display:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --container:1180px;
}

*,*::before,*::after{box-sizing:border-box}

html{-webkit-text-size-adjust:100%}
html:focus-within{scroll-behavior:smooth}

body{
  margin:0;
  font-family:var(--sans);
  font-size:16.5px;
  line-height:1.65;
  color:var(--ink);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
}

img,svg{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{color:var(--teal-2)}
h1,h2,h3,h4{font-family:var(--display);line-height:1.18;margin:0 0 .55em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.35rem)}
h2{font-size:clamp(1.7rem,3.3vw,2.4rem)}
h3{font-size:1.22rem}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.1em;padding-left:1.15rem}
li{margin-bottom:.42rem}
hr{border:0;border-top:1px solid var(--line);margin:2.4rem 0}

.container{width:min(100% - 2.5rem,var(--container));margin-inline:auto}
.section{padding:clamp(3.2rem,6.5vw,5.4rem) 0}
.section--soft{background:var(--bg-soft)}
.section--navy{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 55%,var(--navy-3) 100%);color:#dce7f2}
.section--navy h2,.section--navy h3{color:#fff}
.section--tight{padding:clamp(2.2rem,4vw,3.2rem) 0}

.eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;
  font-family:var(--sans);font-size:.74rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--teal);margin-bottom:.85rem;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);border-radius:2px}
.section--navy .eyebrow{color:#7fd8cd}
.lede{font-size:1.09rem;color:var(--muted);max-width:62ch}
.section--navy .lede{color:#b9cade}
.center{text-align:center}
.center .lede{margin-inline:auto}
.center .eyebrow::before{display:none}

.skip-link{
  position:absolute;left:1rem;top:-100px;background:var(--navy);color:#fff;
  padding:.7rem 1.1rem;border-radius:8px;z-index:200;transition:top .18s ease;
}
.skip-link:focus{top:1rem;color:#fff}

:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ---------------------------------------------------------------- topbar */
.topbar{background:var(--navy);color:#b9cade;font-size:.83rem}
.topbar .container{display:flex;flex-wrap:wrap;gap:.4rem 1.6rem;align-items:center;justify-content:space-between;padding-top:.5rem;padding-bottom:.5rem}
.topbar a{color:#dce7f2}
.topbar a:hover{color:#fff}
.topbar-list{display:flex;flex-wrap:wrap;gap:.35rem 1.4rem;list-style:none;margin:0;padding:0}
.topbar-list li{display:flex;align-items:center;gap:.45rem;margin:0}
.topbar svg{width:15px;height:15px;flex:none;opacity:.85}

/* ------------------------------------------------------------------ header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);border-bottom:1px solid var(--line);backdrop-filter:saturate(160%) blur(8px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.75rem;padding-bottom:.75rem}
.brand{display:flex;align-items:center;gap:.7rem;color:var(--navy)}
.brand:hover{color:var(--navy)}
.brand-mark{width:42px;height:42px;flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-family:var(--display);font-size:1.24rem;font-weight:700;letter-spacing:-.02em}
.brand-sub{font-size:.63rem;letter-spacing:.22em;text-transform:uppercase;color:var(--teal);font-weight:700}

.main-nav{display:flex;align-items:center;gap:.25rem}
.main-nav>ul{display:flex;align-items:center;gap:.1rem;list-style:none;margin:0;padding:0}
.main-nav>ul>li{position:relative;margin:0}
.main-nav>ul a:not(.btn){display:block;padding:.6rem .8rem;border-radius:8px;color:var(--ink);font-size:.95rem;font-weight:600}
.main-nav>ul a:not(.btn):hover,.main-nav>ul a:not(.btn)[aria-current="page"]{color:var(--teal);background:var(--teal-soft)}
.main-nav a.btn[aria-current="page"]{background:var(--teal-2);color:#fff}
.has-children>a::after{content:"";display:inline-block;width:.42rem;height:.42rem;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:.45rem;opacity:.6}

.dropdown{
  position:absolute;top:calc(100% + .45rem);left:0;min-width:270px;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);
  padding:.5rem;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s;
}
.dropdown a{display:flex;gap:.7rem;align-items:flex-start;padding:.6rem .65rem;font-weight:500;font-size:.92rem}
.dropdown a:hover{background:var(--bg-soft)}
.dropdown .dd-icon{width:20px;height:20px;flex:none;color:var(--teal);margin-top:2px}
.has-children:hover>.dropdown,.has-children:focus-within>.dropdown{opacity:1;visibility:visible;transform:translateY(0)}

.nav-toggle{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:.6rem .7rem;cursor:pointer}
.nav-toggle svg{width:22px;height:22px}

/* ----------------------------------------------------------------- buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-weight:700;font-size:.95rem;padding:.82rem 1.5rem;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease,color .15s ease;
}
.btn svg{width:18px;height:18px}
.btn:hover{transform:translateY(-2px)}
.btn--primary{background:var(--teal);color:#fff;box-shadow:0 12px 24px -14px rgba(15,123,116,.9)}
.btn--primary:hover{background:var(--teal-2);color:#fff}
.btn--gold{background:var(--gold);color:#241b00;box-shadow:0 12px 24px -14px rgba(201,162,39,.9)}
.btn--gold:hover{background:#dbb23a;color:#241b00}
.btn--ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn--ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn--outline{border-color:var(--line);color:var(--navy);background:#fff}
.btn--outline:hover{border-color:var(--teal);color:var(--teal)}
.btn--block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}

/* -------------------------------------------------------------------- hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(150deg,#08172a 0%,var(--navy) 42%,var(--navy-3) 100%);color:#e8f0f8}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(46rem 30rem at 82% 8%,rgba(18,160,147,.30),transparent 60%),
    radial-gradient(34rem 26rem at 8% 92%,rgba(201,162,39,.16),transparent 62%);
}
.hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4rem);align-items:center;padding:clamp(3rem,7vw,5.4rem) 0}
.hero h1{color:#fff}
.hero h1 em{font-style:italic;color:#7fd8cd}
.hero p{color:#c3d3e4;font-size:1.08rem}
.hero .eyebrow{color:#8fe0d5}
.hero-badges{display:flex;flex-wrap:wrap;gap:.55rem;margin-top:1.9rem;padding:0;list-style:none}
.hero-badges li{display:flex;align-items:center;gap:.45rem;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);padding:.45rem .85rem;border-radius:999px;font-size:.85rem;margin:0}
.hero-badges svg{width:15px;height:15px;color:#7fd8cd}

.hero-card{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);
  border-radius:22px;padding:1.5rem;backdrop-filter:blur(6px);box-shadow:var(--shadow-lg);
}
.hero-card h2,.hero-card h3{color:#fff}
.mini-nav{display:grid;gap:.6rem}
.mini-nav a{
  display:flex;align-items:center;gap:.85rem;padding:.85rem .95rem;border-radius:14px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);color:#eaf2fa;
  transition:background .16s ease,transform .16s ease;
}
.mini-nav a:hover{background:rgba(255,255,255,.14);color:#fff;transform:translateX(4px)}
.mini-nav .mini-icon{width:38px;height:38px;flex:none;border-radius:11px;display:grid;place-items:center;background:rgba(127,216,205,.16);color:#7fd8cd}
.mini-nav .mini-icon svg{width:20px;height:20px}
.mini-nav strong{display:block;font-size:.98rem}
.mini-nav span{display:block;font-size:.8rem;color:#a9bdd2}

/* ------------------------------------------------------------- page hero */
.page-hero{background:linear-gradient(150deg,#08172a,var(--navy-2) 60%,var(--navy-3));color:#e8f0f8;padding:clamp(2.8rem,6vw,4.4rem) 0;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;inset:0;background:radial-gradient(38rem 22rem at 88% 0%,rgba(18,160,147,.28),transparent 62%);pointer-events:none}
.page-hero .container{position:relative;z-index:1}
.page-hero h1{color:#fff;margin-bottom:.4rem}
.page-hero p{color:#bccde0;max-width:60ch;margin-bottom:0}
.page-hero .eyebrow{color:#8fe0d5}
.breadcrumbs{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:0;margin:0 0 1.1rem;font-size:.83rem;color:#9fb3c9}
.breadcrumbs a{color:#c8d8e8}
.breadcrumbs a:hover{color:#fff}
.breadcrumbs li+li::before{content:"›";margin-right:.4rem;color:#6f86a0}

/* ------------------------------------------------------------------ cards */
.grid{display:grid;gap:1.4rem}
.grid--2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid--4{grid-template-columns:repeat(4,minmax(0,1fr))}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.55rem;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cfe0ea}
.card h3{margin-bottom:.5rem}
.card p{color:var(--muted);margin-bottom:1rem}
.card-icon{
  width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:1rem;
  background:linear-gradient(140deg,var(--teal-soft),#fff);color:var(--teal);border:1px solid #cfe6e2;
}
.card-icon svg{width:26px;height:26px}
.card-link{margin-top:auto;font-weight:700;font-size:.9rem;display:inline-flex;align-items:center;gap:.4rem}
.card-link svg{width:15px;height:15px}
.card--feature{background:linear-gradient(160deg,#fff,#f6fafb)}

.card ul{padding-left:1.1rem;color:var(--muted)}
.card ul li::marker{color:var(--teal)}

/* --------------------------------------------------------------- checklists */
.check-list{list-style:none;padding:0;margin:0 0 1.2rem}
.check-list li{position:relative;padding-left:2rem;margin-bottom:.7rem}
.check-list li::before{
  content:"";position:absolute;left:0;top:.28rem;width:1.15rem;height:1.15rem;border-radius:50%;
  background:var(--teal-soft) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f7b74' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'><polyline points='4 12.5 9.5 18 20 6'/></svg>") center/12px no-repeat;
}
.section--navy .check-list li::before{background-color:rgba(127,216,205,.18)}

/* -------------------------------------------------------------- timeline */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:1.4rem}
.step{position:relative;padding-left:4.2rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem 1.5rem 1.35rem 4.4rem}
.step-icon{
  position:absolute;left:1.15rem;top:1.25rem;width:2.4rem;height:2.4rem;border-radius:50%;
  display:grid;place-items:center;background:var(--navy);color:#7fd8cd;
}
.step-icon svg{width:20px;height:20px}
.step h3{margin-bottom:.3rem;font-size:1.08rem}
.step p{margin:0;color:var(--muted);font-size:.95rem}

/* -------------------------------------------------------------- split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,3.6rem);align-items:center}
.split--flip .split-media{order:2}
.split-media{position:relative}
.panel{
  background:linear-gradient(160deg,#fff,#f4f9f9);border:1px solid var(--line);border-radius:22px;
  padding:1.6rem;box-shadow:var(--shadow);
}
.panel + .panel{margin-top:1rem}
.panel h3{margin-bottom:.4rem;font-size:1.05rem}
.panel p{margin:0;color:var(--muted);font-size:.94rem}
.badge-float{
  position:absolute;bottom:-1.1rem;right:-.6rem;background:var(--navy);color:#fff;border-radius:16px;
  padding:.9rem 1.1rem;box-shadow:var(--shadow-lg);font-size:.85rem;display:flex;align-items:center;gap:.6rem;
}
.badge-float svg{width:20px;height:20px;color:#7fd8cd}

/* --------------------------------------------------------------- quotes */
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.quote-card p{font-family:var(--display);font-size:1.06rem;color:var(--ink);line-height:1.55}
.quote-mark{width:34px;height:34px;color:var(--gold);margin-bottom:.6rem}
.quote-meta{display:flex;align-items:center;gap:.8rem;margin-top:1rem;padding-top:1rem;border-top:1px solid var(--line)}
.avatar{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(140deg,var(--navy-3),var(--teal));color:#fff;font-weight:700;font-size:.9rem;flex:none}
.quote-meta strong{display:block;font-size:.95rem;color:var(--navy)}
.quote-meta span{font-size:.82rem;color:var(--muted)}

/* ------------------------------------------------------------------ FAQ */
.faq{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.faq-item + .faq-item{border-top:1px solid var(--line)}
.faq-q{
  width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:1.15rem 3rem 1.15rem 1.35rem;
  font-family:var(--display);font-size:1.05rem;color:var(--navy);font-weight:700;position:relative;
}
.faq-q::after{
  content:"";position:absolute;right:1.35rem;top:50%;width:.55rem;height:.55rem;
  border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);
  transform:translateY(-70%) rotate(45deg);transition:transform .2s ease;
}
.faq-q[aria-expanded="true"]::after{transform:translateY(-30%) rotate(-135deg)}
.faq-a{padding:0 1.35rem 1.25rem;color:var(--muted);display:none}
.faq-item.is-open .faq-a{display:block}

/* --------------------------------------------------------------- forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(1.4rem,3vw,2.2rem);box-shadow:var(--shadow)}
.form-grid{display:grid;gap:1.1rem}
.form-grid--2{grid-template-columns:1fr 1fr}
.field{display:flex;flex-direction:column;gap:.4rem}
.field label{font-weight:700;font-size:.88rem;color:var(--navy)}
.field .hint{font-size:.8rem;color:var(--muted);font-weight:400}
.field input,.field select,.field textarea{
  font:inherit;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:12px;
  padding:.75rem .9rem;width:100%;transition:border-color .15s ease,box-shadow .15s ease;
}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(18,160,147,.14);
}
.field input[type="date"]{appearance:auto}
.field.has-error input,.field.has-error select,.field.has-error textarea{border-color:var(--danger);background:#fff7f6}
.error-text{color:var(--danger);font-size:.8rem;font-weight:600;min-height:1.1em}
.checkbox-field{display:flex;gap:.75rem;align-items:flex-start;background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem}
.checkbox-field input{width:20px;height:20px;flex:none;margin:.18rem 0 0;accent-color:var(--teal)}
.checkbox-field span{font-size:.88rem;color:var(--muted)}
.checkbox-field span strong{color:var(--navy)}
.form-note{font-size:.82rem;color:var(--muted);margin:.9rem 0 0}
.form-status{
  display:none;border-radius:12px;padding:1rem 1.1rem;margin-top:1.1rem;font-size:.93rem;
  border:1px solid rgba(15,123,116,.35);background:var(--teal-soft);color:#0a4a45;
}
.form-status.is-error{border-color:rgba(179,38,30,.3);background:#fdeceb;color:#7d1a15}
.form-status.is-visible{display:block}
.form-status strong{display:block;margin-bottom:.2rem}
.required{color:var(--danger)}

.consent-box{background:var(--bg-soft);border:1px dashed var(--line);border-radius:12px;padding:1rem 1.1rem;font-size:.85rem;color:var(--muted)}

/* ------------------------------------------------------------- blog */
.post-card{display:flex;flex-direction:column;overflow:hidden}
.featured-grid{grid-template-columns:1.1fr 1fr}
.post-art{aspect-ratio:16/9;border-radius:12px;margin-bottom:1.1rem;position:relative;overflow:hidden;border:1px solid var(--line)}
.post-art svg{position:absolute;inset:0;width:100%;height:100%}
.post-tag{position:absolute;left:.75rem;top:.75rem;background:rgba(11,29,51,.86);color:#fff;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;padding:.3rem .6rem;border-radius:999px;z-index:1}
.post-card h3{margin-bottom:.4rem}
.post-meta{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-weight:700;margin-bottom:.5rem}
.post-body{font-size:1.04rem}
.post-body h2{font-size:1.5rem;margin-top:1.9rem}
.post-body h3{font-size:1.18rem;margin-top:1.5rem}
.post-body blockquote{
  margin:1.6rem 0;padding:1.1rem 1.3rem;border-left:4px solid var(--gold);
  background:var(--gold-soft);border-radius:0 12px 12px 0;font-family:var(--display);color:var(--navy);
}
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:clamp(2rem,4vw,3.4rem);align-items:start}
.article-aside{position:sticky;top:6.5rem;display:grid;gap:1.1rem}
.aside-card{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem}
.aside-card h3{font-size:1.02rem}
.aside-list{list-style:none;margin:0;padding:0}
.aside-list li{margin:0 0 .8rem;padding-bottom:.8rem;border-bottom:1px solid var(--line)}
.aside-list li:last-child{border:0;margin:0;padding:0}
.aside-list a{font-weight:600;font-size:.92rem;color:var(--navy)}
.aside-list a:hover{color:var(--teal)}

/* --------------------------------------------------------------- tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:.9rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg-soft);font-family:var(--sans);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--navy)}
tbody tr:last-child td{border-bottom:0}

/* --------------------------------------------------------- contact blocks */
.contact-card{display:flex;gap:1rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem}
.contact-card .card-icon{margin:0;width:44px;height:44px}
.contact-card h3{font-size:1rem;margin-bottom:.2rem}
.contact-card p,.contact-card a{margin:0;color:var(--muted);font-size:.95rem}
.contact-card a{color:var(--teal);font-weight:600}
.map-frame{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--bg-soft);aspect-ratio:16/9;display:grid;place-items:center;text-align:center;color:var(--muted);padding:1.5rem}

/* --------------------------------------------------------------- footer */
.site-footer{background:#081525;color:#9fb3c9;padding:clamp(2.8rem,5vw,4rem) 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:2rem}
.site-footer h3{color:#fff;font-size:1rem;font-family:var(--sans);letter-spacing:.08em;text-transform:uppercase;margin-bottom:1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.6rem}
.site-footer a{color:#9fb3c9;font-size:.93rem}
.site-footer a:hover{color:#7fd8cd}
.site-footer a.btn--gold,.site-footer a.btn--gold:hover{color:#241b00}
.site-footer a.btn--primary,.site-footer a.btn--primary:hover{color:#fff}
.site-footer a.btn--outline,.site-footer a.btn--outline:hover{color:var(--navy)}
.site-footer a.btn--ghost,.site-footer a.btn--ghost:hover{color:#fff}
.footer-brand{display:flex;align-items:center;gap:.7rem;margin-bottom:1rem;color:#fff}
.footer-brand .brand-name{color:#fff}
.site-footer p{font-size:.92rem}
.footer-contact li{display:flex;gap:.6rem;align-items:flex-start;font-size:.92rem}
.footer-contact svg{width:17px;height:17px;flex:none;margin-top:.25rem;color:#7fd8cd}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:2.6rem;padding:1.3rem 0;display:flex;flex-wrap:wrap;gap:.6rem 1.6rem;justify-content:space-between;font-size:.85rem}
.footer-bottom nav{display:flex;flex-wrap:wrap;gap:1.2rem}
.disclaimer{background:#060f1c;padding:1.2rem 0;font-size:.8rem;color:#7b90a8}
.disclaimer p{margin:0}

/* --------------------------------------------------------------- misc */
.cta-band{background:linear-gradient(140deg,var(--teal) 0%,#0d6f74 100%);color:#fff;border-radius:22px;padding:clamp(1.8rem,4vw,2.8rem);display:grid;grid-template-columns:1.4fr auto;gap:1.6rem;align-items:center;box-shadow:var(--shadow-lg)}
.cta-band h2{color:#fff;margin-bottom:.4rem}
.cta-band p{color:#e0f4f2;margin:0}

.notice{border-left:4px solid var(--gold);background:var(--gold-soft);border-radius:0 12px 12px 0;padding:1rem 1.2rem;color:#5c4a10;font-size:.92rem}

.back-top{
  position:fixed;right:1.2rem;bottom:1.2rem;width:46px;height:46px;border-radius:50%;border:0;
  background:var(--navy);color:#fff;display:grid;place-items:center;cursor:pointer;opacity:0;
  pointer-events:none;transition:opacity .2s ease;z-index:90;
}
.back-top.is-visible{opacity:1;pointer-events:auto}
.back-top svg{width:20px;height:20px}

/* ------------------------------------------------------------ animation */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html:focus-within{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  *{animation-duration:.001ms!important;transition-duration:.001ms!important}
}

/* ------------------------------------------------------------- responsive */
@media (max-width:1000px){
  .hero-inner{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  .split--flip .split-media{order:0}
  .grid--3,.grid--4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .featured-grid{grid-template-columns:1fr!important}
  .article{grid-template-columns:1fr}
  .article-aside{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .cta-band{grid-template-columns:1fr}
}
@media (max-width:760px){
  .nav-toggle{display:inline-flex}
  .main-nav{
    position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow);padding:.8rem;display:none;
  }
  .main-nav.is-open{display:block}
  .main-nav>ul{flex-direction:column;align-items:stretch;gap:.15rem}
  .main-nav>ul a:not(.btn){padding:.75rem .8rem}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 .4rem .9rem;min-width:0}
  .has-children>a::after{transform:rotate(45deg)}
  .grid--2,.grid--3,.grid--4,.form-grid--2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .badge-float{right:0}
  .topbar .container{justify-content:flex-start}
}
@media print{
  .site-header,.topbar,.back-top,.site-footer,.btn,.newsletter-cta{display:none!important}
  body{color:#000}
}