/* ============================================================
   Money Market Authority — Static Site Stylesheet
   ============================================================ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --navy:    #1a3a5c;
  --navy-d:  #112540;
  --green:   #2d7a4e;
  --green-l: #e8f5ee;
  --gold:    #c8933d;
  --white:   #ffffff;
  --bg:      #f8fafc;
  --border:  #e2e8f0;
  --text:    #1e293b;
  --muted:   #64748b;
  --warn-bg: #fff8e1;
  --warn-bd: #f59e0b;
  --info-bg: #e0f2fe;
  --info-bd: #0284c7;
  --tip-bg:  #dcfce7;
  --tip-bd:  #16a34a;
  --radius:  10px;
  --shadow:  0 1px 6px rgba(0,0,0,.08);
  --max-w:   1100px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

/* Body — Arial/Helvetica primary, Georgia for editorial feel on article text */
body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.75;
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--green); text-decoration: underline; }

/* Images — always contained, no layout shift */
img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul, ol { padding-left: 1.4em; }

/* ── Layout ─────────────────────────────────────────────────── */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }

/* ── Cookie Banner ──────────────────────────────────────────── */
#cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999;
  background: var(--navy-d); color: #fff;
  padding: 1rem 1.5rem; display: flex; align-items: center;
  justify-content: space-between; flex-wrap: wrap; gap: 12px;
  box-shadow: 0 -2px 12px rgba(0,0,0,.2);
  font-family: Arial, Helvetica, sans-serif; font-size: 14px;
}
#cookie-banner p { flex: 1 1 300px; }
#cookie-banner a { color: #93c5fd; text-decoration: underline; }
.cookie-btns { display: flex; gap: 8px; flex-wrap: wrap; }
.btn-accept { background: var(--green); color: #fff; border: none; border-radius: 6px; padding: 7px 16px; font-weight: 700; cursor: pointer; font-size: 13px; font-family: Arial, Helvetica, sans-serif; }
.btn-reject { background: transparent; color: #cbd5e1; border: 1px solid #475569; border-radius: 6px; padding: 7px 16px; font-weight: 600; cursor: pointer; font-size: 13px; font-family: Arial, Helvetica, sans-serif; }

/* ── Header ─────────────────────────────────────────────────── */
header { background: var(--navy); position: relative; z-index: 100; box-shadow: 0 2px 8px rgba(0,0,0,.2); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.site-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; }
.logo-icon { width: 38px; height: 38px; background: rgba(255,255,255,.15); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.logo-text { line-height: 1.2; }
.logo-text strong { font-size: 15px; font-family: Arial, Helvetica, sans-serif; font-weight: 700; display: block; }
.logo-text span { font-size: 10px; letter-spacing: .1em; text-transform: uppercase; opacity: .65; font-family: Arial, Helvetica, sans-serif; }

nav { display: flex; align-items: center; gap: 4px; flex-wrap: wrap; }
nav a { color: rgba(255,255,255,.85); font-size: 13px; padding: 6px 11px; border-radius: 6px; font-family: Arial, Helvetica, sans-serif; font-weight: 500; transition: background .15s; white-space: nowrap; }
nav a:hover, nav a.active { background: rgba(255,255,255,.1); color: #fff; text-decoration: none; }
nav a.nav-cta { background: var(--green); color: #fff; font-weight: 700; }
nav a.nav-cta:hover { background: #236040; }

/* Mobile menu button — hidden by default on desktop */
.mobile-menu-btn { display: none; background: none; border: none; color: #fff; cursor: pointer; padding: 4px; font-size: 22px; }

/* Mobile nav — hidden by default, shown when .open is added via JS */
.mobile-nav { display: none; background: var(--navy-d); padding: 12px 16px; }
.mobile-nav.open { display: block; }
.mobile-nav a { display: block; color: rgba(255,255,255,.9); padding: 9px 8px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; border-radius: 6px; }
.mobile-nav a:hover { background: rgba(255,255,255,.07); text-decoration: none; }

/* ── Breadcrumbs ─────────────────────────────────────────────── */
.breadcrumbs { padding: 12px 0; font-family: Arial, Helvetica, sans-serif; font-size: 13px; color: var(--muted); }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--navy); }
.breadcrumbs span.sep { margin: 0 6px; }
.breadcrumbs span.current { color: var(--text); font-weight: 500; }

/* ── Hero ────────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, rgba(26,58,92,0.91) 0%, rgba(36,74,115,0.85) 100%), url('images/hero-bg.webp') center/cover no-repeat;
  color: #fff;
  padding: 60px 0;
  text-align: center;
}
.hero h1 { font-size: clamp(28px, 4vw, 48px); font-weight: 800; line-height: 1.2; margin-bottom: 16px; }
.hero p { font-size: 18px; opacity: .9; max-width: 620px; margin: 0 auto 28px; }
.hero-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-primary { background: var(--green); color: #fff; padding: 13px 28px; border-radius: 8px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; font-size: 15px; display: inline-block; transition: background .15s; }
.btn-primary:hover { background: #236040; text-decoration: none; color: #fff; }
.btn-secondary { background: rgba(255,255,255,.12); color: #fff; padding: 13px 28px; border-radius: 8px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; font-size: 15px; display: inline-block; border: 1px solid rgba(255,255,255,.25); transition: background .15s; }
.btn-secondary:hover { background: rgba(255,255,255,.2); text-decoration: none; color: #fff; }
.hero-stats { display: flex; justify-content: center; gap: 40px; flex-wrap: wrap; margin-top: 40px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.15); }
.hero-stat { text-align: center; }
.hero-stat .num { font-size: 28px; font-weight: 800; display: block; }
.hero-stat .lbl { font-size: 12px; opacity: .7; font-family: Arial, Helvetica, sans-serif; text-transform: uppercase; letter-spacing: .08em; }

/* ── Section Headings ────────────────────────────────────────── */
.section-heading { text-align: center; margin-bottom: 36px; }
.section-heading h2 { font-size: 30px; color: var(--navy); margin-bottom: 8px; }
.section-heading p { color: var(--muted); font-size: 16px; }
.section { padding: 60px 0; }
.section-alt { background: #fff; }

/* ── Trust Strip ─────────────────────────────────────────────── */
.trust-strip { background: var(--navy-d); color: #fff; padding: 16px 20px; }
.trust-strip .container { display: flex; gap: 24px; justify-content: center; align-items: center; flex-wrap: wrap; font-family: Arial, Helvetica, sans-serif; font-size: 13px; }
.trust-item { display: flex; align-items: center; gap: 6px; opacity: .85; }
.trust-item .icon { font-size: 14px; }

/* ── Safety Cards ─────────────────────────────────────────────── */
.safety-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.safety-card { background: #fff; border-radius: var(--radius); padding: 24px; border: 1px solid var(--border); box-shadow: var(--shadow); }
.safety-card .icon { font-size: 28px; margin-bottom: 10px; }
.safety-card h3 { font-size: 16px; color: var(--navy); margin-bottom: 8px; font-family: Arial, Helvetica, sans-serif; }
.safety-card p { font-size: 14px; color: var(--muted); font-family: Arial, Helvetica, sans-serif; line-height: 1.6; }

/* ── Comparison Table (Home) ─────────────────────────────────── */
.comparison-section { background: #fff; }
.comp-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.comp-table {
  width: 100%;
  border-collapse: collapse;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  overflow-x: auto;
}
.comp-table th { background: var(--navy); color: #fff; padding: 12px 16px; text-align: left; font-weight: 700; white-space: nowrap; }
.comp-table td { padding: 10px 16px; border-bottom: 1px solid var(--border); white-space: nowrap; }
.comp-table tr:nth-child(even) td { background: var(--bg); }
.comp-table .highlight td { font-weight: 700; color: var(--navy); background: var(--green-l) !important; }

/* ── Category Cards ──────────────────────────────────────────── */
.cats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}
.cat-card { background: #fff; border-radius: var(--radius); padding: 24px; border: 1px solid var(--border); box-shadow: var(--shadow); transition: transform .15s, box-shadow .15s; display: flex; flex-direction: column; overflow: hidden; }
.cat-card-img { width: calc(100% + 48px); height: 150px; object-fit: cover; border-radius: 8px 8px 0 0; margin: -24px -24px 16px; display: block; flex-shrink: 0; }
.cat-card:hover { transform: translateY(-3px); box-shadow: 0 6px 20px rgba(0,0,0,.1); text-decoration: none; }
.cat-icon { font-size: 28px; margin-bottom: 10px; }
.cat-card h3 { font-size: 16px; color: var(--navy); margin-bottom: 8px; font-family: Arial, Helvetica, sans-serif; font-weight: 700; }
.cat-card p { font-size: 14px; color: var(--muted); font-family: Arial, Helvetica, sans-serif; line-height: 1.55; flex: 1; }
.cat-card .cat-link { margin-top: 14px; font-size: 13px; font-weight: 700; color: var(--green); font-family: Arial, Helvetica, sans-serif; }

/* ── Pillar Cards ─────────────────────────────────────────────── */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 20px;
}
.pillar-card { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; transition: transform .15s; }
.pillar-card:hover { transform: translateY(-3px); text-decoration: none; }
.pillar-badge { display: inline-block; background: rgba(255,255,255,.15); border-radius: 999px; padding: 3px 12px; font-size: 11px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 10px; color: #fff; }
.pillar-card h3 { font-size: 16px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; margin-bottom: 8px; color: #fff; }
.pillar-card p { font-size: 13px; opacity: .75; font-family: Arial, Helvetica, sans-serif; line-height: 1.55; flex: 1; }
.pillar-card .pillar-read { margin-top: 14px; font-size: 13px; font-weight: 700; opacity: .9; font-family: Arial, Helvetica, sans-serif; }

/* ── Article Card Grid ───────────────────────────────────────── */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}
.art-card { background: #fff; border-radius: var(--radius); border: 1px solid var(--border); overflow: hidden; box-shadow: var(--shadow); display: flex; flex-direction: column; transition: transform .15s; }
.art-card:hover { transform: translateY(-2px); text-decoration: none; }
.art-card img { width: 100%; height: 180px; object-fit: cover; }
.art-card-body { padding: 18px; flex: 1; display: flex; flex-direction: column; }
.art-card-cat { font-size: 11px; font-weight: 700; color: var(--green); text-transform: uppercase; letter-spacing: .08em; font-family: Arial, Helvetica, sans-serif; margin-bottom: 6px; }
.art-card h3 { font-size: 15px; color: var(--text); font-family: Arial, Helvetica, sans-serif; font-weight: 700; line-height: 1.35; margin-bottom: 8px; }
.art-card p { font-size: 13px; color: var(--muted); font-family: Arial, Helvetica, sans-serif; line-height: 1.5; flex: 1; }
.art-card-link { margin-top: 12px; font-size: 13px; font-weight: 700; color: var(--green); font-family: Arial, Helvetica, sans-serif; }

/* ── Article Page Layout ─────────────────────────────────────── */
.article-layout {
  display: grid;
  grid-template-columns: 1fr 290px;
  gap: 40px;
  align-items: start;
  padding: 24px 0 60px;
  position: static;
}
.article-layout main {
  position: static;
}

/* Article header — scrolls with page, never sticky or fixed */
.article-header {
  position: relative;
  top: auto;
  z-index: auto;
  padding-bottom: 12px;
  margin-bottom: 18px;
  background: transparent;
  box-shadow: none;
}
.article-cat-tag { display: inline-block; background: var(--green-l); color: var(--green); border-radius: 999px; padding: 2px 10px; font-size: 11px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 8px; text-decoration: none; }
.article-header h1 { font-size: 34px; line-height: 1.25; color: var(--navy); margin-bottom: 8px; }
.article-excerpt { font-size: 15px; color: var(--muted); line-height: 1.5; font-family: Arial, Helvetica, sans-serif; margin-bottom: 10px; }
.article-meta { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; font-family: Arial, Helvetica, sans-serif; font-size: 12px; color: var(--muted); margin-bottom: 8px; padding-bottom: 0; border-bottom: none; }
.article-meta .sep { opacity: .35; }

/* Featured image — minimal gap after header */
.article-hero-img { border-radius: var(--radius); overflow: hidden; margin-top: 0; margin-bottom: 20px; }
.article-hero-img img { width: 100%; max-height: 300px; height: auto; object-fit: cover; }
.author-block { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 14px 18px; display: flex; gap: 12px; align-items: flex-start; margin-bottom: 24px; font-family: Arial, Helvetica, sans-serif; }
.author-avatar { width: 40px; height: 40px; background: var(--green-l); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.author-info strong { display: block; font-size: 14px; color: var(--text); }
.author-info small { font-size: 12px; color: var(--muted); }

/* ── Article Content Typography ──────────────────────────────── */
.article-content h2 { font-size: 22px; color: var(--navy); margin: 32px 0 12px; padding-bottom: 8px; border-bottom: 2px solid var(--border); font-family: Arial, Helvetica, sans-serif; }
.article-content h3 { font-size: 17px; color: var(--navy); margin: 22px 0 10px; font-family: Arial, Helvetica, sans-serif; }
.article-content p { margin-bottom: 16px; font-size: 16px; line-height: 1.8; }
.article-content ul, .article-content ol { margin-bottom: 16px; }
.article-content li { margin-bottom: 5px; font-size: 15px; }

/* Intro paragraph */
.para-intro { font-size: 17px; line-height: 1.8; color: #334155; font-style: italic; border-left: 4px solid var(--green); padding-left: 18px; margin-bottom: 24px; }

/* Key Takeaways */
.key-takeaways { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 20px 24px; margin-bottom: 28px; }
.key-takeaways h3 { font-size: 12px; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 14px; opacity: .7; font-family: Arial, Helvetica, sans-serif; font-weight: 700; }
.key-takeaways ul { list-style: none; padding: 0; }
.key-takeaways li { padding: 5px 0 5px 24px; position: relative; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 1.55; }
.key-takeaways li::before { content: "✓"; position: absolute; left: 0; color: #86efac; font-weight: 700; }

/* Conclusion */
.conclusion-box { background: var(--green-l); border-left: 4px solid var(--green); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 20px; margin: 20px 0; }
.conclusion-box p { margin: 0; font-style: italic; }

/* Content Tables — full width, scrollable on mobile */
.table-wrapper { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 20px 0; }
.content-table {
  width: 100%;
  border-collapse: collapse;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 14px;
  overflow-x: auto;
}
.content-table th { background: var(--navy); color: #fff; padding: 11px 14px; text-align: left; font-weight: 700; white-space: nowrap; }
.content-table td { padding: 9px 14px; border-bottom: 1px solid var(--border); }
.content-table tr:nth-child(even) td { background: var(--bg); }

/* Callouts */
.callout { border-radius: var(--radius); padding: 16px 18px; margin: 20px 0; display: flex; gap: 12px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 1.6; }
.callout-warning { background: var(--warn-bg); border-left: 4px solid var(--warn-bd); }
.callout-info    { background: var(--info-bg); border-left: 4px solid var(--info-bd); }
.callout-tip     { background: var(--tip-bg);  border-left: 4px solid var(--tip-bd); }
.callout-icon { font-size: 18px; flex-shrink: 0; margin-top: 2px; }
.callout p { margin: 0; }

/* Internal Links Box */
.internal-links-box { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 20px; margin: 24px 0; }
.internal-links-box h4 { font-size: 11px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-family: Arial, Helvetica, sans-serif; margin-bottom: 12px; font-weight: 700; }
.internal-links-box ul { list-style: none; padding: 0; }
.internal-links-box li { border-bottom: 1px solid var(--bg); }
.internal-links-box li:last-child { border-bottom: none; }
.internal-links-box a { display: flex; align-items: center; gap: 8px; padding: 8px 0; font-family: Arial, Helvetica, sans-serif; font-size: 14px; color: var(--navy); font-weight: 500; }
.internal-links-box a::before { content: "→"; color: var(--green); }
.internal-links-box a:hover { color: var(--green); text-decoration: none; }

/* Rate Disclaimer */
.rate-disclaimer { background: var(--warn-bg); border: 1px solid var(--warn-bd); border-radius: var(--radius); padding: 12px 16px; margin-bottom: 20px; font-family: Arial, Helvetica, sans-serif; font-size: 13px; color: #92400e; display: flex; gap: 8px; align-items: flex-start; }

/* ── Sidebar ──────────────────────────────────────────────────── */
.sidebar { position: relative; top: auto; }
.toc-box { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; margin-bottom: 20px; }
.toc-box h4 { font-size: 11px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-family: Arial, Helvetica, sans-serif; font-weight: 700; margin-bottom: 12px; }
.toc-box ol { list-style: decimal; padding-left: 18px; }
.toc-box li { margin-bottom: 6px; }
.toc-box a { font-family: Arial, Helvetica, sans-serif; font-size: 13px; color: var(--navy); line-height: 1.4; }
.toc-box a:hover { color: var(--green); text-decoration: none; }
.sidebar-trust { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; margin-bottom: 20px; font-family: Arial, Helvetica, sans-serif; font-size: 13px; }
.sidebar-trust h4 { font-size: 11px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 700; margin-bottom: 12px; }
.sidebar-trust p { color: var(--muted); margin-bottom: 8px; display: flex; gap: 6px; align-items: flex-start; line-height: 1.5; }
.sidebar-trust p .si { color: var(--green); flex-shrink: 0; }
.sidebar-cta { background: var(--green); color: #fff; border-radius: var(--radius); padding: 18px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; }
.sidebar-cta h4 { font-size: 15px; margin-bottom: 8px; font-weight: 700; }
.sidebar-cta p { opacity: .85; margin-bottom: 14px; line-height: 1.5; }
.sidebar-cta a { display: block; background: #fff; color: var(--green); text-align: center; padding: 10px; border-radius: 6px; font-weight: 700; font-size: 14px; }

/* ── FAQ ──────────────────────────────────────────────────────── */
.faq-section { margin: 40px 0; }
.faq-section h2 { font-size: 22px; color: var(--navy); margin-bottom: 18px; font-family: Arial, Helvetica, sans-serif; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; }
details > summary { padding: 16px 18px; cursor: pointer; font-family: Arial, Helvetica, sans-serif; font-weight: 700; font-size: 15px; color: var(--text); list-style: none; display: flex; justify-content: space-between; align-items: center; background: #fff; }
details > summary::-webkit-details-marker { display: none; }
details > summary::after { content: "+"; font-size: 20px; color: var(--muted); flex-shrink: 0; }
details[open] > summary::after { content: "−"; }
details[open] > summary { background: var(--bg); color: var(--navy); }
.faq-answer { padding: 16px 18px; background: #fff; font-family: Arial, Helvetica, sans-serif; font-size: 14px; color: var(--text); line-height: 1.7; border-top: 1px solid var(--border); }

/* ── Related Articles ────────────────────────────────────────── */
.related-section { margin: 36px 0; }
.related-section h2 { font-size: 20px; color: var(--navy); margin-bottom: 16px; font-family: Arial, Helvetica, sans-serif; padding-bottom: 8px; border-bottom: 2px solid var(--border); }
.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
}

/* ── Financial Disclaimer ────────────────────────────────────── */
.fin-disclaimer { background: #f1f5f9; border: 1px solid var(--border); padding: 14px 16px; border-radius: var(--radius); margin: 24px 0; font-family: Arial, Helvetica, sans-serif; font-size: 13px; color: var(--muted); line-height: 1.6; display: flex; gap: 8px; }

/* ── Category Page ───────────────────────────────────────────── */
.cat-hero { background: linear-gradient(135deg, var(--navy) 0%, #244a73 100%); color: #fff; padding: 60px 0 48px; }
.cat-hero h1 { font-size: clamp(26px, 3vw, 40px); margin-bottom: 10px; font-family: Arial, Helvetica, sans-serif; }
.cat-hero p { opacity: .85; font-size: 16px; max-width: 600px; font-family: Arial, Helvetica, sans-serif; }
.cat-intro { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--border); margin-bottom: 36px; }
.cat-intro h2 { font-size: 18px; color: var(--navy); margin-bottom: 12px; font-family: Arial, Helvetica, sans-serif; }
.cat-intro p { font-family: Arial, Helvetica, sans-serif; font-size: 15px; color: var(--muted); line-height: 1.75; margin-bottom: 12px; }
.cat-intro ul { font-family: Arial, Helvetica, sans-serif; font-size: 14px; color: var(--muted); }
.cat-intro li { margin-bottom: 5px; }
.cat-faq { background: var(--bg); border-radius: var(--radius); padding: 28px; margin-top: 36px; }
.cat-faq h2 { font-size: 18px; color: var(--navy); margin-bottom: 18px; font-family: Arial, Helvetica, sans-serif; }

/* ── HTML Sitemap ────────────────────────────────────────────── */
.sitemap-section { margin-bottom: 36px; }
.sitemap-section h2 { font-size: 18px; color: var(--navy); font-family: Arial, Helvetica, sans-serif; font-weight: 700; margin-bottom: 14px; padding-bottom: 8px; border-bottom: 2px solid var(--border); }
.sitemap-section ul { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 6px 12px; }
.sitemap-section li a { font-family: Arial, Helvetica, sans-serif; font-size: 14px; color: var(--navy); display: flex; align-items: center; gap: 6px; padding: 3px 0; }
.sitemap-section li a::before { content: "→"; color: var(--green); font-size: 12px; }
.pillar-hubs {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 20px;
  margin-bottom: 40px;
}
.hub-card { background: #fff; border: 2px solid rgba(26,58,92,.15); border-radius: var(--radius); padding: 20px; display: block; transition: border-color .15s; }
.hub-card:hover { border-color: var(--navy); text-decoration: none; }
.hub-badge { display: inline-block; background: var(--navy); color: #fff; border-radius: 999px; padding: 3px 10px; font-size: 11px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; margin-bottom: 8px; }
.hub-card h3 { font-size: 15px; font-weight: 700; font-family: Arial, Helvetica, sans-serif; color: var(--navy); margin-bottom: 6px; }
.hub-card p { font-size: 13px; color: var(--muted); font-family: Arial, Helvetica, sans-serif; line-height: 1.55; }

/* ── Static Pages ────────────────────────────────────────────── */
.static-layout { max-width: 780px; margin: 0 auto; padding: 48px 20px 80px; }
.static-layout h1 { font-size: 36px; color: var(--navy); margin-bottom: 8px; font-family: Arial, Helvetica, sans-serif; }
.static-layout .lead { font-size: 17px; color: var(--muted); margin-bottom: 36px; font-family: Arial, Helvetica, sans-serif; }
.static-layout h2 { font-size: 20px; color: var(--navy); margin: 28px 0 12px; font-family: Arial, Helvetica, sans-serif; }
.static-layout p { font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 1.8; color: var(--text); margin-bottom: 14px; }
.static-layout ul, .static-layout ol { font-family: Arial, Helvetica, sans-serif; font-size: 15px; line-height: 1.8; color: var(--text); margin-bottom: 14px; padding-left: 22px; }
.static-layout li { margin-bottom: 4px; }
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin: 20px 0; }
.trust-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; }
.trust-card h3 { font-size: 15px; color: var(--navy); font-family: Arial, Helvetica, sans-serif; font-weight: 700; margin-bottom: 6px; }
.trust-card p { font-size: 13px; color: var(--muted); font-family: Arial, Helvetica, sans-serif; margin: 0; }

/* ── 404 Page ────────────────────────────────────────────────── */
.not-found { min-height: 60vh; display: flex; align-items: center; justify-content: center; padding: 60px 20px; text-align: center; }
.not-found-inner { max-width: 540px; }
.not-found h1 { font-size: 80px; color: var(--navy); opacity: .15; font-family: Arial, Helvetica, sans-serif; font-weight: 900; line-height: 1; }
.not-found h2 { font-size: 28px; color: var(--navy); margin: -8px 0 12px; font-family: Arial, Helvetica, sans-serif; }
.not-found p { font-family: Arial, Helvetica, sans-serif; color: var(--muted); margin-bottom: 24px; }
.not-found-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 28px; }
.not-found-links h3 { font-size: 13px; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-family: Arial, Helvetica, sans-serif; margin-bottom: 12px; }
.not-found-links ul { list-style: none; padding: 0; text-align: left; display: inline-block; }
.not-found-links li { margin-bottom: 6px; }
.not-found-links a { font-family: Arial, Helvetica, sans-serif; font-size: 14px; color: var(--navy); }

/* ── Footer ──────────────────────────────────────────────────── */
footer { background: var(--navy-d); color: rgba(255,255,255,.8); padding: 56px 0 28px; margin-top: auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 36px;
}
.footer-about .logo-text strong { color: #fff; font-family: Arial, Helvetica, sans-serif; }
.footer-about p { font-family: Arial, Helvetica, sans-serif; font-size: 13px; opacity: .55; line-height: 1.7; margin-top: 10px; }
footer h4 { font-size: 11px; text-transform: uppercase; letter-spacing: .12em; color: rgba(255,255,255,.4); font-family: Arial, Helvetica, sans-serif; font-weight: 700; margin-bottom: 14px; }
.footer-links { list-style: none; padding: 0; }
.footer-links li { margin-bottom: 6px; }
.footer-links a { font-family: Arial, Helvetica, sans-serif; font-size: 13px; color: rgba(255,255,255,.6); transition: color .15s; }
.footer-links a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; font-family: Arial, Helvetica, sans-serif; font-size: 12px; opacity: .4; }

/* ── Generic table reset — applies to ALL tables site-wide ───── */
table {
  width: 100%;
  overflow-x: auto;
  border-collapse: collapse;
}

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 900px) {
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
}

@media (max-width: 640px) {
  /* Show mobile button, hide desktop nav */
  nav { display: none; }
  .mobile-menu-btn { display: block; }

  .hero { padding: 40px 0; }
  .section { padding: 40px 0; }
  .cat-hero { padding: 40px 0 30px; }

  .footer-grid { grid-template-columns: 1fr; gap: 20px; }
  .article-hero-img img { max-height: 220px; }
  .articles-grid { grid-template-columns: 1fr; }
  .cats-grid { grid-template-columns: 1fr; }
  .pillars-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .comp-table td, .comp-table th { padding: 8px 10px; font-size: 13px; }
  .content-table td, .content-table th { padding: 7px 10px; font-size: 13px; }
}

/* ── Print ───────────────────────────────────────────────────── */
@media print {
  header, footer, .sidebar, #cookie-banner, .mobile-menu-btn { display: none !important; }
  .article-layout { grid-template-columns: 1fr; }
  a::after { content: " (" attr(href) ")"; font-size: 11px; opacity: .5; }
}