/* FIX: scroll-margin-top for sticky nav */
[id] { scroll-margin-top: 82px; }

/* ============================================================
   RESET & BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:'Instrument Sans',sans-serif;
  background:#f4f1eb;
  color:#1a1a18;
  font-size:15px;
  line-height:1.65;
  overflow-x:hidden;
}

/* ============================================================
   DESIGN TOKENS
   ============================================================ */
:root{
  --ink:#1a1a18;
  --ink-soft:#4a4a45;
  --ink-muted:#8a8a82;
  --gold:#b8942a;
  --gold-light:#d4ab3f;
  --cream:#f4f1eb;
  --cream-dark:#ede9e0;
  --white:#ffffff;
  --border:#d8d3c8;
  --border-soft:#e8e4dc;
  --green:#2a6b42;
  --green-bg:#edf4f0;
  --red:#8b2c1e;
  --red-bg:#f7eeec;
  --amber:#7a5a18;
  --amber-bg:#f7f0e4;
  --blue:#1e4a7a;
  --blue-bg:#eef3f9;
  --serif:'Cormorant Garamond',serif;
  --sans:'Instrument Sans',sans-serif;
  --r-sm:4px;
  --r-md:8px;
  --r-lg:14px;
  --r-xl:20px;
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.12;}
h1{font-size:clamp(40px,6vw,80px);}
h2{font-size:clamp(28px,4vw,52px);}
h3{font-size:clamp(20px,2.5vw,30px);}
h4{font-size:18px;}
p{color:var(--ink-soft);}
a{color:inherit;text-decoration:none;}

/* ============================================================
   LAYOUT
   ============================================================ */
.container{max-width:1160px;margin:0 auto;padding:0 40px;}
@media(max-width:768px){.container{padding:0 20px;}}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:32px;}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px;}
.grid-4{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:20px;}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

/* ============================================================
   NAVIGATION
   ============================================================ */
nav{
  position:sticky;top:0;z-index:100;
  background:rgba(244,241,235,0.92);
  backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
}
.nav-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:18px 40px;
  max-width:1160px;margin:0 auto;
}
.nav-logo{
  font-family:var(--serif);
  font-size:22px;
  font-weight:500;
  letter-spacing:0.02em;
  color:var(--ink);
}
.nav-logo span{color:var(--gold);}
.nav-links{display:flex;gap:32px;align-items:center;}
.nav-links a{
  font-size:13px;
  font-weight:400;
  color:var(--ink-soft);
  letter-spacing:0.03em;
  transition:color .2s;
}
.nav-links a:hover{color:var(--ink);}
.nav-cta{
  padding:9px 22px;
  background:var(--ink);
  color:var(--cream) !important;
  border-radius:var(--r-sm);
  font-size:13px !important;
  font-weight:500 !important;
  letter-spacing:0.02em;
  transition:background .2s !important;
}
.nav-cta:hover{background:#333 !important;}
.nav-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;}
.nav-burger span{width:24px;height:1.5px;background:var(--ink);display:block;transition:.3s;}
@media(max-width:768px){
  .nav-links{display:none;}
  .nav-burger{display:flex;}
  .nav-inner{padding:16px 20px;}
}

/* ============================================================
   HERO
   ============================================================ */
.hero{
  min-height:92vh;
  display:flex;align-items:center;
  padding:80px 0;
  position:relative;
  overflow:hidden;
}
.hero .container{width:100%;}
.hero-inner{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr;}}
.hero-left{
  position:relative;z-index:1;
}
.hero-creds{
  display:flex;gap:10px;flex-wrap:wrap;margin-top:28px;
}
.hero-cred{
  font-size:11px;font-weight:500;letter-spacing:.5px;
  padding:5px 12px;border:1px solid var(--border);
  border-radius:20px;color:var(--ink-muted);
  background:var(--white);
}
.hero::before{
  content:'';
  position:absolute;inset:0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 40%, rgba(184,148,42,0.08) 0%, transparent 70%),
    radial-gradient(ellipse 40% 40% at 20% 70%, rgba(184,148,42,0.05) 0%, transparent 60%);
  pointer-events:none;
}
.hero-grid-lines{
  position:absolute;inset:0;
  background-image:
    linear-gradient(var(--border-soft) 1px, transparent 1px),
    linear-gradient(90deg, var(--border-soft) 1px, transparent 1px);
  background-size:80px 80px;
  opacity:0.4;
  pointer-events:none;
}
.hero-content{
  position:relative;z-index:1;
}
.hero-label{
  display:inline-flex;align-items:center;gap:10px;
  font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--gold);margin-bottom:28px;
}
.hero-label::before{content:'';width:32px;height:1px;background:var(--gold);}
.hero h1{
  margin-bottom:24px;
  font-weight:300;
}
.hero h1 em{font-style:italic;color:var(--gold);}
.hero-sub{
  font-size:17px;
  color:var(--ink-soft);
  max-width:540px;
  margin-bottom:40px;
  line-height:1.7;
}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;align-items:center;}
.btn-primary{
  padding:14px 32px;
  background:var(--ink);
  color:var(--cream);
  border-radius:var(--r-sm);
  font-size:14px;font-weight:500;
  letter-spacing:0.02em;
  transition:background .2s,transform .15s;
  display:inline-block;
  border:none;cursor:pointer;font-family:var(--sans);
}
.btn-primary:hover{background:#2a2a26;transform:translateY(-1px);}
.btn-ghost{
  padding:13px 28px;
  background:transparent;
  color:var(--ink);
  border:1px solid var(--border);
  border-radius:var(--r-sm);
  font-size:14px;font-weight:400;
  letter-spacing:0.02em;
  transition:border-color .2s,background .2s;
  display:inline-block;cursor:pointer;font-family:var(--sans);
}
.btn-ghost:hover{border-color:var(--ink);background:var(--cream-dark);}
.hero-stats{
  display:flex;gap:48px;margin-top:64px;padding-top:40px;
  border-top:1px solid var(--border);
  flex-wrap:wrap;
}
.hero-stat .num{
  font-family:var(--serif);font-size:42px;font-weight:300;
  color:var(--ink);line-height:1;margin-bottom:6px;
}
.hero-stat .lbl{font-size:12px;color:var(--ink-muted);letter-spacing:1px;text-transform:uppercase;}

/* ============================================================
   SECTION SHARED
   ============================================================ */
section{padding:96px 0;}
.section-label{
  display:flex;align-items:center;gap:10px;
  font-size:11px;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--gold);margin-bottom:20px;
}
.section-label::before{content:'';width:24px;height:1px;background:var(--gold);}
.section-intro{
  font-size:17px;color:var(--ink-soft);
  max-width:580px;line-height:1.75;margin-top:16px;
}
.divider{height:1px;background:var(--border);margin:0;}

/* ============================================================
   EXPERTISE STRIP
   ============================================================ */
.expertise{
  background:var(--cream-dark);
  padding:80px 0;
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
}
.expertise-grid{
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:0;
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  overflow:hidden;
}
@media(max-width:1100px){.expertise-grid{grid-template-columns:repeat(3,1fr);}}
@media(max-width:600px){.expertise-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:400px){.expertise-grid{grid-template-columns:1fr;}}
.exp-item{
  padding:32px 28px 28px;
  background:var(--white);
  border-right:1px solid var(--border);
  border-bottom:1px solid var(--border);
  transition:background .2s;
}
.exp-item:hover{background:var(--cream);}
.exp-item:last-child{border-right:none;}
.exp-icon{
  font-family:var(--serif);
  font-size:13px;
  font-weight:400;
  letter-spacing:1px;
  color:var(--gold);
  margin-bottom:18px;
  display:block;
  line-height:1;
  border-bottom:1px solid var(--border-soft);
  padding-bottom:14px;
}
.exp-item h4{
  font-family:var(--serif);
  font-size:18px;font-weight:400;
  color:var(--ink);
  margin-bottom:10px;
  line-height:1.2;
}
.exp-item p{
  font-size:13px;
  color:var(--ink-muted);
  line-height:1.65;
}

/* ============================================================
   HOW IT WORKS — PROCESS GRID
   ============================================================ */
.how{background:var(--white);}
.how-header{margin-bottom:56px;}
.process-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:2px;
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  overflow:hidden;
}
@media(max-width:700px){.process-grid{grid-template-columns:1fr;}}
.process-card{
  background:var(--cream);
  padding:40px 36px;
  display:flex;
  flex-direction:column;
  gap:20px;
  transition:background .2s;
  border-right:1px solid var(--border);
  border-bottom:1px solid var(--border);
}
.process-card:nth-child(2n){border-right:none;}
.process-card:nth-child(3),.process-card:nth-child(4){border-bottom:none;}
@media(max-width:700px){
  .process-card{border-right:none;}
  .process-card:nth-child(3){border-bottom:1px solid var(--border);}
}
.process-card:hover{background:var(--cream-dark);}
.process-num{
  font-family:var(--serif);
  font-size:13px;
  font-weight:400;
  letter-spacing:2px;
  color:var(--gold);
  border-bottom:1px solid var(--border-soft);
  padding-bottom:16px;
}
.process-body h4{
  font-family:var(--serif);
  font-size:20px;
  font-weight:400;
  color:var(--ink);
  margin-bottom:10px;
  line-height:1.2;
}
.process-body p{font-size:13px;color:var(--ink-muted);line-height:1.72;}

/* ============================================================
   SERVICES LIST
   ============================================================ */
.svc-list{margin-top:48px;}
.svc-row{
  display:grid;
  grid-template-columns:220px 1fr;
  gap:48px;
  padding:40px 0;
  border-bottom:1px solid var(--border);
  align-items:start;
}
@media(max-width:800px){.svc-row{grid-template-columns:1fr;gap:16px;}}
.svc-left{display:flex;flex-direction:column;gap:12px;}
.svc-num{
  font-family:var(--serif);
  font-size:44px;
  font-weight:300;
  color:var(--gold);
  opacity:0.35;
  line-height:1;
}
.svc-title{
  font-family:var(--serif);
  font-size:19px;
  font-weight:400;
  color:var(--ink);
  line-height:1.2;
}
.svc-desc{
  font-size:14px;
  color:var(--ink-soft);
  line-height:1.75;
  margin-bottom:16px;
}
.svc-tags{display:flex;flex-wrap:wrap;gap:8px;}
.svc-tags span{
  font-size:11px;
  padding:4px 12px;
  border:1px solid var(--border);
  border-radius:20px;
  color:var(--ink-muted);
  background:var(--white);
  letter-spacing:0.2px;
}

/* ============================================================
   JURISDICTION CARDS
   ============================================================ */
.jurisdictions{background:var(--cream);}
.j-scroll-wrap{
  overflow-x:auto;
  padding-bottom:16px;
  flex:1;min-width:0;
  cursor:grab;
  user-select:none;
}
.j-scroll-wrap:active{cursor:grabbing;}
.j-scroll-wrap{scrollbar-width:none;-ms-overflow-style:none;}
.j-scroll-wrap::-webkit-scrollbar{display:none;}
.j-grid{
  display:flex;
  flex-direction:row;
  gap:16px;
  width:max-content;
  padding:4px 2px 4px 2px;
}
.j-card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r-lg);
  width:260px;
  flex-shrink:0;
  display:flex;
  flex-direction:column;
  transition:transform .2s, box-shadow .2s;
  overflow:hidden;
}
.j-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,0.07);}
.j-card-head{
  padding:20px 20px 16px;
  border-bottom:1px solid var(--border-soft);
  background:var(--cream-dark);
}
.j-country{font-family:var(--serif);font-size:24px;font-weight:400;color:var(--ink);line-height:1.1;margin-bottom:8px;}
.j-badges{display:flex;gap:5px;flex-wrap:wrap;}
.badge{font-size:10px;letter-spacing:.3px;padding:3px 9px;border-radius:20px;font-weight:500;}
.badge-green{background:var(--green-bg);color:var(--green);}
.badge-amber{background:var(--amber-bg);color:var(--amber);}
.badge-red{background:var(--red-bg);color:var(--red);}
.badge-blue{background:var(--blue-bg);color:var(--blue);}
.j-rows{display:flex;flex-direction:column;padding:8px 0;flex:1;}
.j-row{
  display:flex;justify-content:space-between;align-items:baseline;
  padding:7px 20px;
  border-bottom:1px solid var(--border-soft);
  gap:12px;
}
.j-row:last-child{border-bottom:none;}
.j-row .k{font-size:11px;color:var(--ink-muted);flex-shrink:0;max-width:130px;line-height:1.4;}
.j-row .v{font-size:12px;font-weight:500;color:var(--ink);text-align:right;flex-shrink:0;}
.j-row .v.green{color:var(--green);}
.j-row .v.red{color:var(--red);}
.j-row .v.amber{color:var(--amber);}
.j-carousel{
  display:flex;align-items:center;gap:12px;margin-top:48px;
}
.j-arrow{
  width:44px;height:44px;border-radius:50%;flex-shrink:0;
  border:1px solid var(--border);background:var(--white);
  font-size:18px;color:var(--ink-soft);cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  transition:all .2s;
}
.j-arrow:hover{background:var(--cream-dark);color:var(--ink);border-color:var(--ink);}
.j-arrow:disabled{opacity:0.3;cursor:default;background:var(--white);border-color:var(--border);color:var(--ink-muted);}
@media(max-width:600px){.j-arrow{display:none;}.j-carousel{gap:0;}}

/* ============================================================
   CALCULATOR SECTION
   ============================================================ */
.calculator{background:var(--white);}
.calc-wrapper{
  background:var(--cream);
  border:1px solid var(--border);
  border-radius:var(--r-xl);
  overflow:hidden;
  margin-top:48px;
}
.calc-header{
  background:var(--ink);
  padding:28px 36px;
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:16px;
}
.calc-header h3{font-family:var(--serif);color:#fff;font-size:22px;font-weight:300;}
.calc-header p{font-size:12px;color:rgba(255,255,255,0.5);margin-top:4px;}
.step-pills{display:flex;gap:8px;}
.step-pill{
  padding:6px 14px;font-size:11px;border-radius:20px;letter-spacing:.5px;
  background:rgba(255,255,255,0.08);color:rgba(255,255,255,0.4);
  transition:all .2s;
}
.step-pill.active{background:var(--gold);color:var(--ink);}
.step-pill.done{background:rgba(255,255,255,0.12);color:rgba(255,255,255,0.7);}
.calc-body{padding:32px 36px;}
@media(max-width:600px){.calc-body{padding:20px;}.calc-header{padding:20px;}}

/* Form elements */
.field{margin-bottom:20px;}
.field label{
  display:block;font-size:11px;font-weight:500;
  text-transform:uppercase;letter-spacing:1px;
  color:var(--ink-muted);margin-bottom:7px;
}
.field input,.field select{
  width:100%;padding:11px 14px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--r-md);
  font-family:var(--sans);font-size:13px;color:var(--ink);
  outline:none;transition:border .15s;
  appearance:none;
}
.field select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238a8a82' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;
  padding-right:36px;cursor:pointer;
}
.field input:focus,.field select:focus{border-color:var(--ink);}
.field input[type="number"]{-moz-appearance:textfield;}
.field input[type="number"]::-webkit-inner-spin-button{display:none;}
.form-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.form-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;}
@media(max-width:600px){.form-grid-2,.form-grid-3{grid-template-columns:1fr;}}

.add-jurisdiction-btn{
  width:100%;padding:13px;
  border:1.5px dashed var(--border);
  border-radius:var(--r-md);
  background:transparent;
  font-family:var(--sans);font-size:13px;
  color:var(--ink-muted);cursor:pointer;
  display:flex;align-items:center;justify-content:center;gap:10px;
  transition:all .2s;
  margin-top:8px;
}
.add-jurisdiction-btn:hover{border-color:var(--ink);color:var(--ink);background:var(--cream-dark);}
.add-jurisdiction-btn .ico{
  width:22px;height:22px;background:var(--blue-bg);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:15px;color:var(--blue);flex-shrink:0;
}

.j-row-item{
  background:var(--white);border:1px solid var(--border);
  border-radius:var(--r-md);padding:16px 18px;margin-bottom:10px;
}
.j-row-item-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;}
.j-row-item-name{font-size:14px;font-weight:500;color:var(--ink);}
.j-remove{font-size:11px;color:var(--red);cursor:pointer;border:none;background:none;padding:3px 8px;border-radius:4px;transition:background .15s;}
.j-remove:hover{background:var(--red-bg);}
.j-row-item-data{display:flex;gap:20px;font-size:12px;color:var(--ink-muted);flex-wrap:wrap;}
.j-row-item-data span strong{color:var(--ink);font-weight:500;}

.add-panel{
  background:var(--white);border:2px solid var(--blue);
  border-radius:var(--r-lg);padding:24px;margin-bottom:20px;
  display:none;
}
.add-panel-title{font-size:13px;font-weight:500;color:var(--blue);margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid var(--border-soft);}

.calc-btn{
  width:100%;padding:14px;
  background:var(--ink);color:var(--cream);
  border:none;border-radius:var(--r-md);
  font-family:var(--sans);font-size:14px;font-weight:500;
  cursor:pointer;letter-spacing:0.02em;margin-top:8px;
  transition:background .2s,transform .15s;
}
.calc-btn:hover{background:#2a2a26;transform:translateY(-1px);}
.calc-btn-secondary{background:transparent;color:var(--ink);border:1px solid var(--border);}
.calc-btn-secondary:hover{background:var(--cream-dark);}

/* Results */
.results-wrap{display:none;}
.results-wrap.show{display:block;}
.results-section-title{
  font-family:var(--serif);font-size:26px;font-weight:400;
  color:var(--ink);margin:32px 0 20px;
  padding-top:32px;border-top:1px solid var(--border);
}

.summary-metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin-bottom:28px;}
.metric-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);padding:16px;}
.metric-card .ml{font-size:10px;letter-spacing:1px;text-transform:uppercase;color:var(--ink-muted);margin-bottom:6px;}
.metric-card .mv{font-size:22px;font-weight:400;font-family:var(--serif);color:var(--ink);}
.metric-card .mv.red{color:var(--red);}
.metric-card .mv.green{color:var(--green);}
.metric-card .mv.amber{color:var(--amber);}

.result-jcard{border:1px solid var(--border);border-radius:var(--r-lg);margin-bottom:20px;overflow:hidden;}
.result-jcard-head{
  padding:18px 24px;
  background:var(--cream-dark);
  border-bottom:1px solid var(--border);
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;
}
.rjh-country{font-family:var(--serif);font-size:20px;font-weight:400;}
.rjh-taxes{font-size:13px;color:var(--ink-soft);}
.rjh-taxes strong{color:var(--red);}
.result-jcard-body{padding:24px;background:var(--white);}

.dta-pill{
  display:inline-flex;align-items:center;gap:6px;
  font-size:11px;padding:4px 12px;border-radius:20px;margin-bottom:14px;letter-spacing:.3px;
}
.dta-pill .dot{width:6px;height:6px;border-radius:50%;flex-shrink:0;}
.dta-yes{background:var(--green-bg);color:var(--green);}
.dta-yes .dot{background:var(--green);}
.dta-limited{background:var(--amber-bg);color:var(--amber);}
.dta-limited .dot{background:var(--amber);}
.dta-no{background:var(--red-bg);color:var(--red);}
.dta-no .dot{background:var(--red);}

.tax-tags-row{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:16px;}
.tax-tag{font-size:11px;padding:3px 10px;border-radius:20px;border:1px solid var(--border);color:var(--ink-muted);}
.tax-tag.hit{background:var(--red-bg);color:var(--red);border-color:transparent;}
.tax-tag.med{background:var(--amber-bg);color:var(--amber);border-color:transparent;}
.tax-tag.low{background:var(--green-bg);color:var(--green);border-color:transparent;}
.tax-tag.none{background:var(--cream-dark);color:var(--ink-muted);border-color:transparent;}

.bar-rows{margin-bottom:20px;}
.bar-row{display:flex;align-items:center;gap:12px;margin-bottom:8px;}
.bar-row .bl{width:170px;font-size:12px;color:var(--ink-muted);flex-shrink:0;text-align:right;}
.bar-row .bl.bold{color:var(--ink);font-weight:500;}
.bar-track{flex:1;height:4px;background:var(--cream-dark);border-radius:2px;}
.bar-fill{height:4px;border-radius:2px;transition:width .6s cubic-bezier(0.4,0,0.2,1);}
.bar-row .bv{width:90px;font-size:12px;color:var(--ink);text-align:right;flex-shrink:0;}
.bar-row .bv.bold{font-weight:500;}

.notes-block{
  background:var(--cream);border-radius:var(--r-md);
  padding:16px 18px;font-size:12px;color:var(--ink-soft);
  line-height:1.75;margin-top:16px;
  border-left:3px solid var(--gold);
  border-radius:0 var(--r-md) var(--r-md) 0;
}
.notes-block strong{color:var(--ink);}

.iht-alert{
  border-radius:var(--r-md);padding:10px 14px;
  font-size:12px;margin-top:12px;line-height:1.6;
}
.iht-alert.warn{background:var(--red-bg);color:var(--red);}
.iht-alert.ok{background:var(--green-bg);color:var(--green);}

/* ============================================================
   INSIGHTS / BLOG SECTION
   ============================================================ */
.insights{background:var(--cream);}
.insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px;}
@media(max-width:700px){.insight-grid{grid-template-columns:1fr;}}
.insight-card{cursor:pointer;}
.read-link{font-size:11px;color:var(--gold);font-weight:500;}

/* Article styles */
.article-label{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:16px;display:flex;align-items:center;gap:8px;}
.article-label::before{content:'';width:24px;height:1px;background:var(--gold);}
.article-h1{font-family:var(--serif);font-size:clamp(26px,4vw,44px);font-weight:400;line-height:1.1;margin-bottom:20px;color:var(--ink);}
.article-meta{font-size:12px;color:var(--ink-muted);margin-bottom:40px;padding-bottom:24px;border-bottom:1px solid var(--border);}
.article-body h2{font-family:var(--serif);font-size:24px;font-weight:400;color:var(--ink);margin:36px 0 12px;}
.article-body p{color:var(--ink-soft);font-size:15px;line-height:1.75;margin-bottom:18px;}
.article-body ul{margin:0 0 18px 0;padding-left:20px;}
.article-body ul li{color:var(--ink-soft);font-size:15px;line-height:1.75;margin-bottom:8px;}
.article-callout{background:var(--cream-dark);border-left:3px solid var(--gold);padding:18px 22px;border-radius:0 var(--r-md) var(--r-md) 0;margin:28px 0;font-size:14px;color:var(--ink-soft);line-height:1.7;}
.article-callout strong{color:var(--ink);}
.article-cta{background:var(--ink);border-radius:var(--r-lg);padding:32px;margin-top:48px;text-align:center;}
.article-cta p{color:rgba(255,255,255,0.6);font-size:14px;margin-bottom:18px;line-height:1.65;}
.article-cta h3{font-family:var(--serif);color:#fff;font-size:22px;font-weight:400;margin-bottom:10px;}
.insight-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;transition:transform .2s;cursor:pointer;}
.insight-card:hover{transform:translateY(-3px);}
.insight-img{height:180px;display:flex;align-items:flex-end;padding:20px;position:relative;}
.insight-img-bg{position:absolute;inset:0;}
.insight-img-bg.a{background:linear-gradient(135deg,#1a3a5c 0%,#0f2238 100%);}
.insight-img-bg.b{background:linear-gradient(135deg,#2a4a1a 0%,#1a3010 100%);}
.insight-img-bg.c{background:linear-gradient(135deg,#4a2a1a 0%,#301810 100%);}
.insight-tag{position:relative;z-index:1;font-size:10px;letter-spacing:1px;text-transform:uppercase;padding:4px 10px;background:rgba(255,255,255,0.15);color:rgba(255,255,255,0.8);border-radius:20px;}
.insight-body{padding:20px;}
.insight-body h4{font-family:var(--serif);font-size:18px;font-weight:400;color:var(--ink);margin-bottom:8px;line-height:1.3;}
.insight-body p{font-size:12px;color:var(--ink-muted);line-height:1.65;}
.insight-meta{display:flex;justify-content:space-between;align-items:center;margin-top:16px;padding-top:12px;border-top:1px solid var(--border-soft);}
.insight-meta span{font-size:11px;color:var(--ink-muted);}
.insight-meta a{font-size:11px;color:var(--gold);font-weight:500;}

/* ============================================================
   SERVICES
   ============================================================ */
.services{background:var(--white);}
.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:2px;margin-top:48px;border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;}
@media(max-width:700px){.service-grid{grid-template-columns:1fr;}}
.service-card{background:var(--cream);padding:36px;transition:background .2s;}
.service-card:hover{background:var(--cream-dark);}
.service-num{font-family:var(--serif);font-size:36px;color:var(--gold);opacity:0.5;margin-bottom:16px;line-height:1;}
.service-card h4{font-family:var(--serif);font-size:22px;font-weight:400;margin-bottom:10px;color:var(--ink);}
.service-card p{font-size:13px;color:var(--ink-muted);line-height:1.7;}
.service-list{margin-top:14px;display:flex;flex-direction:column;gap:4px;}
.service-list li{font-size:12px;color:var(--ink-soft);list-style:none;padding-left:14px;position:relative;}
.service-list li::before{content:'\2014';position:absolute;left:0;color:var(--gold);}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials{background:var(--ink);padding:96px 0;}
.test-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:24px;margin-top:48px;}
@media(max-width:900px){.test-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.test-grid{grid-template-columns:1fr;}}
.test-card{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:var(--r-lg);padding:28px;}
.test-quote{font-family:var(--serif);font-size:17px;font-weight:300;color:rgba(255,255,255,0.8);line-height:1.6;margin-bottom:20px;font-style:italic;}
.test-author{display:flex;align-items:center;gap:12px;}
.test-avatar{width:40px;height:40px;border-radius:50%;background:rgba(184,148,42,0.2);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:15px;color:var(--gold);}
.test-name{font-size:13px;font-weight:500;color:#fff;}
.test-role{font-size:11px;color:rgba(255,255,255,0.4);}
.test-section-label .section-label{color:rgba(184,148,42,0.8);}
.test-section-label .section-label::before{background:rgba(184,148,42,0.8);}
.test-section-label h2{color:#fff;}

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section{
  background:var(--cream-dark);
  padding:96px 0;
}
.cta-inner{
  text-align:center;
  max-width:600px;margin:0 auto;
}
.cta-inner h2{margin-bottom:16px;}
.cta-inner p{font-size:16px;color:var(--ink-soft);margin-bottom:36px;line-height:1.7;}
.cta-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}
.cta-form{
  background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);
  padding:40px;max-width:560px;margin:0 auto;margin-top:48px;
}
.cta-form h3{font-family:var(--serif);font-size:26px;font-weight:400;margin-bottom:6px;}
.cta-form p{font-size:13px;color:var(--ink-muted);margin-bottom:24px;}
.cta-disclaimer{font-size:11px;color:var(--ink-muted);margin-top:16px;line-height:1.6;text-align:center;}

/* ============================================================
   FOOTER
   ============================================================ */
footer{background:var(--ink);padding:60px 0 32px;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,0.08);}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr;}}
.footer-brand .logo{font-family:var(--serif);font-size:24px;color:#fff;font-weight:400;margin-bottom:12px;}
.footer-brand .logo span{color:var(--gold);}
.footer-brand p{font-size:12px;color:rgba(255,255,255,0.35);line-height:1.7;max-width:240px;margin-top:8px;}
.footer-col h5{font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,0.3);margin-bottom:16px;font-weight:400;}
.footer-col a{display:block;font-size:13px;color:rgba(255,255,255,0.5);margin-bottom:10px;transition:color .2s;}
.footer-col a:hover{color:#fff;}
.footer-bottom{padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;}
.footer-bottom p{font-size:11px;color:rgba(255,255,255,0.2);}
.footer-bottom-links{display:flex;gap:24px;}
.footer-bottom-links a{font-size:11px;color:rgba(255,255,255,0.25);transition:color .2s;}
.footer-bottom-links a:hover{color:rgba(255,255,255,0.6);}

/* ============================================================
   FAQ
   ============================================================ */
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:20px 0;cursor:pointer;gap:16px;}
.faq-q span:first-child{font-family:var(--serif);font-size:18px;font-weight:400;color:var(--ink);line-height:1.3;}
.faq-arr{font-size:20px;color:var(--ink-muted);transition:transform .2s;flex-shrink:0;}
.faq-arr.open{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a.open{max-height:2000px;}
.faq-a p{padding-bottom:20px;}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeUp{from{opacity:0;transform:translateY(24px);}to{opacity:1;transform:translateY(0);}}
.fade-up{animation:fadeUp .7s cubic-bezier(0.4,0,0.2,1) both;}
.delay-1{animation-delay:.1s;}
.delay-2{animation-delay:.2s;}
.delay-3{animation-delay:.3s;}
.delay-4{animation-delay:.4s;}

/* ============================================================
   MISC
   ============================================================ */
.empty-state{text-align:center;padding:24px;color:var(--ink-muted);font-size:13px;background:var(--cream);border-radius:var(--r-md);}
.disclaimer{font-size:11px;color:var(--ink-muted);line-height:1.65;margin-top:20px;padding-top:16px;border-top:1px solid var(--border-soft);}
.hidden{display:none !important;}

/* Mobile nav */
.mobile-nav{
  display:none;
  background:var(--white);border-bottom:1px solid var(--border);
  padding:16px 20px;flex-direction:column;gap:14px;
}
.mobile-nav.open{display:flex;}
.mobile-nav a{font-size:15px;color:var(--ink-soft);padding:4px 0;}

/* ============================================================
   CONTENT PAGES (guides, case studies, legal)
   ============================================================ */
.content-page{
  background:var(--white);
  padding:64px 0 96px;
}
.back-link{
  display:inline-flex;align-items:center;gap:8px;
  font-size:13px;color:var(--ink-muted);
  margin-bottom:40px;
  transition:color .2s;
}
.back-link:hover{color:var(--ink);}
a.insight-card{display:block;text-decoration:none;color:inherit;}