/* ================================================
   PONDER - Kişisel Finans & Ekonomik Gelişim
   Ana Stil Dosyası
   ================================================ */

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

/* ---- CSS Variables ---- */
:root {
  --navy:        #0A1628;
  --navy-light:  #162440;
  --navy-medium: #1E3A5F;
  --white:       #FFFFFF;
  --gray-light:  #F5F7FA;
  --gray-medium: #E8ECF0;
  --gray-border: #D1D9E0;
  --gray-text:   #6B7280;
  --gray-dark:   #374151;
  --gold:        #C9A84C;
  --gold-light:  #E8C87A;
  --gold-dark:   #A8872E;
  --font-head:   'Playfair Display', Georgia, serif;
  --font-body:   'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   16px;
  --shadow-sm:   0 1px 4px rgba(10,22,40,0.08);
  --shadow-md:   0 4px 20px rgba(10,22,40,0.12);
  --shadow-lg:   0 12px 40px rgba(10,22,40,0.18);
  --transition:  0.3s cubic-bezier(0.4,0,0.2,1);
}

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

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

body {
  font-family: var(--font-body);
  background-color: var(--white);
  color: var(--gray-dark);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

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

/* ---- Typography ---- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.25;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 600; }
h3 { font-size: clamp(1.2rem, 2vw, 1.6rem); font-weight: 600; }
h4 { font-size: 1.2rem; font-weight: 500; }
h5 { font-size: 1rem; font-weight: 600; }
h6 { font-size: 0.9rem; font-weight: 600; }

p { color: var(--gray-dark); line-height: 1.75; margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

strong { font-weight: 600; color: var(--navy); }

/* ---- Layout Utilities ---- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--narrow { max-width: 800px; }
.container--wide   { max-width: 1400px; }

.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 120px 0; }

.section--dark    { background: var(--navy); }
.section--navy    { background: var(--navy-light); }
.section--light   { background: var(--gray-light); }
.section--white   { background: var(--white); }

.text-center { text-align: center; }
.text-right  { text-align: right; }
.text-gold   { color: var(--gold); }
.text-navy   { color: var(--navy); }
.text-gray   { color: var(--gray-text); }
.text-white  { color: var(--white); }

/* ---- Grid System ---- */
.grid { display: grid; gap: 32px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-col { display: flex; flex-direction: column; }
.gap-1 { gap: 8px; }
.gap-2 { gap: 16px; }
.gap-3 { gap: 24px; }
.gap-4 { gap: 32px; }

/* ---- Header / Navigation ---- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-mark {
  width: 40px;
  height: 40px;
  background: var(--gold);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  flex-shrink: 0;
}

.logo-text {
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.02em;
}

.logo-tagline {
  font-size: 0.65rem;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 500;
  display: block;
  line-height: 1;
  margin-top: 2px;
}

.nav-primary { display: flex; align-items: center; gap: 4px; }

.nav-primary a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav-primary a:hover,
.nav-primary a.active {
  color: var(--white);
  background: rgba(201,168,76,0.12);
}

.nav-primary a.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 600 !important;
  padding: 8px 20px !important;
}

.nav-cta:hover { background: var(--gold-light) !important; transform: translateY(-1px); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}

.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
  display: block;
}

.mobile-nav {
  display: none;
  background: var(--navy-light);
  border-top: 1px solid rgba(201,168,76,0.15);
}

.mobile-nav.open { display: block; }

.mobile-nav a {
  display: block;
  padding: 14px 24px;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: var(--transition);
}

.mobile-nav a:hover { color: var(--gold); background: rgba(201,168,76,0.08); }

/* ---- Hero Section ---- */
.hero {
  position: relative;
  background: var(--navy);
  min-height: 85vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,22,40,0.95) 0%, rgba(30,58,95,0.8) 100%);
  z-index: 1;
}

.hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
  opacity: 0.35;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 720px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 24px;
}

.hero-eyebrow::before {
  content: '';
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.hero h1 { color: var(--white); margin-bottom: 24px; }

.hero-lead {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin-bottom: 40px;
  line-height: 1.8;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: rgba(201,168,76,0.2);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: 80px;
  border: 1px solid rgba(201,168,76,0.2);
}

.hero-stat {
  background: rgba(10,22,40,0.85);
  padding: 32px 28px;
  text-align: center;
}

.hero-stat-num {
  font-family: var(--font-head);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 500;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.btn-navy:hover {
  background: var(--navy-medium);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-sm { padding: 9px 18px; font-size: 0.8rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }

/* ---- Section Headers ---- */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.75rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 16px;
}

.section-label::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.section-title { margin-bottom: 16px; }
.section-lead {
  font-size: 1.05rem;
  color: var(--gray-text);
  max-width: 580px;
  line-height: 1.8;
}

.section-header { margin-bottom: 56px; }
.section-header.text-center .section-lead { margin: 0 auto; }

/* ---- Cards ---- */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-medium);
  transition: var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: var(--gold);
}

.card-img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.card-body { padding: 28px; }
.card-tag {
  display: inline-block;
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 12px;
}

.card-title {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
  font-family: var(--font-head);
  line-height: 1.3;
}

.card-excerpt {
  font-size: 0.9rem;
  color: var(--gray-text);
  line-height: 1.7;
  margin-bottom: 20px;
}

.card-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 0.8rem;
  color: var(--gray-text);
  border-top: 1px solid var(--gray-medium);
  padding-top: 16px;
  margin-top: 16px;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition);
}

.card-link:hover { color: var(--gold); gap: 10px; }
.card-link svg { transition: var(--transition); }

/* ---- Feature Cards ---- */
.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--gray-medium);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}

.feature-card:hover::before { transform: scaleX(1); }
.feature-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--gold); }

.feature-icon {
  width: 56px;
  height: 56px;
  background: rgba(201,168,76,0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--gold);
  font-size: 1.5rem;
  font-weight: 700;
  font-family: var(--font-head);
  border: 1px solid rgba(201,168,76,0.2);
}

/* ---- Stats Block ---- */
.stat-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  text-align: center;
  border: 1px solid rgba(201,168,76,0.15);
}

.stat-card .stat-num {
  font-family: var(--font-head);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 10px;
}

.stat-card .stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

/* ---- Process Steps ---- */
.step-card {
  display: flex;
  gap: 24px;
  padding: 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-medium);
  transition: var(--transition);
}

.step-card:hover { box-shadow: var(--shadow-md); border-color: var(--gold); }

.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-head);
  font-size: 1.1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.step-body h4 { color: var(--navy); margin-bottom: 8px; font-size: 1.05rem; }
.step-body p  { font-size: 0.9rem; color: var(--gray-text); margin: 0; }

/* ---- Testimonials ---- */
.testimonial-card {
  background: var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 36px;
  border-left: 4px solid var(--gold);
}

.testimonial-text {
  font-size: 1rem;
  color: var(--gray-dark);
  font-style: italic;
  line-height: 1.8;
  margin-bottom: 24px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--gray-medium);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--navy);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.testimonial-name { font-weight: 600; color: var(--navy); font-size: 0.9rem; }
.testimonial-role { font-size: 0.8rem; color: var(--gray-text); }

/* ---- Blog Specific ---- */
.article-header { padding: 80px 0 48px; background: var(--navy); }
.article-header h1 { color: var(--white); max-width: 780px; margin-bottom: 20px; }
.article-meta { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.article-meta span { font-size: 0.85rem; color: rgba(255,255,255,0.6); display: flex; align-items: center; gap: 6px; }

.article-body { padding: 64px 0; }
.article-content { max-width: 760px; }

.article-content h2 { color: var(--navy); margin: 40px 0 16px; font-size: 1.7rem; }
.article-content h3 { color: var(--navy); margin: 32px 0 12px; font-size: 1.3rem; }
.article-content p  { font-size: 1rem; line-height: 1.85; margin-bottom: 20px; color: var(--gray-dark); }
.article-content ul { margin: 0 0 20px 0; }
.article-content ul li { padding: 6px 0 6px 20px; position: relative; font-size: 0.95rem; color: var(--gray-dark); }
.article-content ul li::before { content: '—'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.article-content ol { counter-reset: ol-counter; margin: 0 0 20px 0; }
.article-content ol li { counter-increment: ol-counter; padding: 6px 0 6px 28px; position: relative; font-size: 0.95rem; color: var(--gray-dark); }
.article-content ol li::before { content: counter(ol-counter) '.'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }

.article-highlight {
  background: var(--gray-light);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 24px 28px;
  margin: 32px 0;
}

.article-highlight p { margin: 0; font-style: italic; color: var(--navy); font-size: 1.05rem; }

.article-img-full {
  width: 100%;
  height: 360px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  margin: 32px 0;
}

.article-sidebar { padding-left: 40px; }

.sidebar-widget {
  background: var(--gray-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 28px;
  border: 1px solid var(--gray-medium);
}

.sidebar-widget h4 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold);
}

.sidebar-link {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-medium);
  color: var(--gray-dark);
  font-size: 0.875rem;
  transition: var(--transition);
}

.sidebar-link:last-child { border-bottom: none; }
.sidebar-link:hover { color: var(--navy); }
.sidebar-link::before { content: '›'; color: var(--gold); font-size: 1.1rem; margin-top: -1px; flex-shrink: 0; }

/* ---- Tools / Calculator ---- */
.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  border: 1px solid var(--gray-medium);
  box-shadow: var(--shadow-md);
}

.calc-card h3 { color: var(--navy); margin-bottom: 24px; padding-bottom: 16px; border-bottom: 2px solid var(--gold); }

.form-group { margin-bottom: 20px; }

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--navy);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

.form-textarea { min-height: 140px; resize: vertical; }

.calc-result {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-top: 24px;
  display: none;
}

.calc-result.visible { display: block; }

.calc-result .result-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 6px;
}

.calc-result .result-value {
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
}

/* ---- Info Boxes ---- */
.info-box {
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: flex;
  gap: 20px;
  margin: 32px 0;
}

.info-box--tip    { background: rgba(201,168,76,0.08); border: 1px solid rgba(201,168,76,0.25); }
.info-box--info   { background: rgba(30,58,95,0.06);  border: 1px solid rgba(30,58,95,0.2); }
.info-box--warn   { background: rgba(220,150,50,0.08); border: 1px solid rgba(220,150,50,0.25); }

.info-box-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
  line-height: 1;
  margin-top: 2px;
}

.info-box-content h4 { color: var(--navy); margin-bottom: 6px; font-size: 0.95rem; }
.info-box-content p  { font-size: 0.9rem; color: var(--gray-text); margin: 0; }

/* ---- Table ---- */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.data-table thead tr { background: var(--navy); }
.data-table thead th {
  padding: 16px 20px;
  text-align: left;
  color: var(--white);
  font-weight: 600;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.data-table tbody tr { border-bottom: 1px solid var(--gray-medium); transition: var(--transition); }
.data-table tbody tr:last-child { border-bottom: none; }
.data-table tbody tr:hover { background: var(--gray-light); }
.data-table tbody td { padding: 14px 20px; color: var(--gray-dark); }

/* ---- FAQ ---- */
.faq-item {
  border: 1px solid var(--gray-medium);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open { border-color: var(--gold); box-shadow: var(--shadow-sm); }

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  user-select: none;
  background: var(--white);
  transition: var(--transition);
}

.faq-question:hover { background: var(--gray-light); }
.faq-question h4 { font-size: 0.95rem; color: var(--navy); font-family: var(--font-body); font-weight: 600; line-height: 1.4; }
.faq-icon { width: 24px; height: 24px; flex-shrink: 0; color: var(--gold); transition: var(--transition); margin-left: 16px; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { padding: 0 24px; max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s ease; }
.faq-item.open .faq-answer { max-height: 500px; padding: 0 24px 20px; }
.faq-answer p { font-size: 0.9rem; color: var(--gray-text); line-height: 1.75; margin: 0; }

/* ---- Page Header ---- */
.page-header {
  background: var(--navy);
  padding: 72px 0 56px;
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.page-header h1 { color: var(--white); margin-bottom: 12px; }
.page-header p  { color: rgba(255,255,255,0.65); max-width: 600px; margin: 0; }

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 0.8rem;
}

.breadcrumb a { color: rgba(255,255,255,0.5); transition: var(--transition); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }
.breadcrumb .current { color: var(--gold); }

/* ---- CTA Band ---- */
.cta-band {
  background: linear-gradient(135deg, var(--navy-medium) 0%, var(--navy) 100%);
  padding: 80px 0;
  text-align: center;
  border-top: 1px solid rgba(201,168,76,0.15);
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.cta-band h2 { color: var(--white); margin-bottom: 16px; }
.cta-band p  { color: rgba(255,255,255,0.7); max-width: 520px; margin: 0 auto 36px; }

/* ---- Newsletter ---- */
.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 480px;
  margin: 0 auto;
}

.newsletter-form input {
  flex: 1;
  padding: 13px 18px;
  border-radius: var(--radius-sm);
  border: 1.5px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.08);
  color: var(--white);
  font-size: 0.9rem;
  outline: none;
  transition: var(--transition);
}

.newsletter-form input::placeholder { color: rgba(255,255,255,0.4); }
.newsletter-form input:focus { border-color: var(--gold); background: rgba(255,255,255,0.12); }

/* ---- Contact Form ---- */
.contact-layout { display: grid; grid-template-columns: 1fr 2fr; gap: 64px; }

.contact-info-item {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--gray-medium);
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: rgba(201,168,76,0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 1.1rem;
  font-weight: 700;
}

.contact-info-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-text); font-weight: 600; margin-bottom: 4px; }
.contact-info-value { font-size: 0.95rem; color: var(--navy); font-weight: 500; }

.form-success {
  display: none;
  background: rgba(34,197,94,0.08);
  border: 1px solid rgba(34,197,94,0.25);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  margin-top: 20px;
  color: #166534;
}

.form-success.visible { display: block; }
.form-success strong { display: block; margin-bottom: 4px; font-size: 1rem; }
.form-success span { font-size: 0.9rem; opacity: 0.85; }

/* ---- Glossary ---- */
.glossary-filter {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 40px;
}

.glossary-letter {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--navy);
  background: var(--gray-light);
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid var(--gray-medium);
}

.glossary-letter:hover,
.glossary-letter.active { background: var(--gold); color: var(--navy); border-color: var(--gold); }

.glossary-section { margin-bottom: 48px; }
.glossary-section-letter {
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 8px;
  margin-bottom: 24px;
}

.glossary-term {
  padding: 18px 0;
  border-bottom: 1px solid var(--gray-medium);
}

.glossary-term:last-child { border-bottom: none; }
.glossary-term dt { font-weight: 700; color: var(--navy); font-size: 0.95rem; margin-bottom: 6px; }
.glossary-term dd { font-size: 0.9rem; color: var(--gray-text); line-height: 1.7; }

/* ---- Policy Pages ---- */
.policy-content { max-width: 860px; margin: 0 auto; padding: 64px 0; }
.policy-content h2 { font-size: 1.4rem; color: var(--navy); margin: 40px 0 14px; }
.policy-content h3 { font-size: 1.1rem; color: var(--navy); margin: 28px 0 10px; }
.policy-content p, .policy-content li { font-size: 0.95rem; color: var(--gray-dark); line-height: 1.8; margin-bottom: 14px; }
.policy-content ul { padding-left: 20px; }
.policy-content ul li { list-style: disc; }
.policy-content ol { padding-left: 20px; }
.policy-content ol li { list-style: decimal; }
.policy-content strong { color: var(--navy); }
.policy-content a { color: var(--gold-dark); text-decoration: underline; }
.policy-update {
  background: var(--gray-light);
  border-left: 4px solid var(--gold);
  padding: 16px 20px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-bottom: 40px;
  font-size: 0.875rem;
  color: var(--gray-text);
}

/* ---- Sitemap ---- */
.sitemap-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.sitemap-section h4 { color: var(--navy); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 700; border-bottom: 2px solid var(--gold); padding-bottom: 10px; margin-bottom: 16px; }
.sitemap-section ul li { padding: 6px 0; }
.sitemap-section ul li a { font-size: 0.875rem; color: var(--gray-text); display: flex; align-items: center; gap: 8px; transition: var(--transition); }
.sitemap-section ul li a:hover { color: var(--navy); gap: 12px; }
.sitemap-section ul li a::before { content: '›'; color: var(--gold); }

/* ---- Footer ---- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
}

.footer-top { padding: 72px 0 48px; border-bottom: 1px solid rgba(255,255,255,0.08); }

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
}

.footer-brand .logo { margin-bottom: 20px; }
.footer-desc { font-size: 0.875rem; line-height: 1.75; max-width: 300px; color: rgba(255,255,255,0.55); margin-bottom: 24px; }

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.8rem;
  margin-bottom: 10px;
}

.footer-contact-item svg { color: var(--gold); margin-top: 1px; flex-shrink: 0; }

.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 20px;
}

.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--gold); padding-left: 4px; }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.35); margin: 0; }

.footer-policy-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-policy-links a { font-size: 0.78rem; color: rgba(255,255,255,0.35); transition: var(--transition); }
.footer-policy-links a:hover { color: var(--gold); }

/* ---- Resources ---- */
.resource-card {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-medium);
  transition: var(--transition);
}

.resource-card:hover { box-shadow: var(--shadow-md); border-color: var(--gold); transform: translateX(4px); }
.resource-icon-box { width: 56px; height: 56px; background: var(--navy); border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.resource-icon-box span { font-size: 1.4rem; }
.resource-body h4 { color: var(--navy); margin-bottom: 6px; font-size: 1rem; }
.resource-body p  { font-size: 0.875rem; color: var(--gray-text); margin-bottom: 10px; }

/* ---- Infographic / Visual Blocks ---- */
.progress-bar-wrap { margin-bottom: 20px; }
.progress-bar-label { display: flex; justify-content: space-between; margin-bottom: 6px; font-size: 0.85rem; color: var(--gray-dark); font-weight: 500; }
.progress-bar { height: 8px; background: var(--gray-medium); border-radius: 4px; overflow: hidden; }
.progress-bar-fill { height: 100%; background: var(--gold); border-radius: 4px; transition: width 1.2s ease; }

.donut-label { font-family: var(--font-head); font-size: 2rem; font-weight: 700; color: var(--navy); }
.donut-sub { font-size: 0.8rem; color: var(--gray-text); }

/* ---- 404 ---- */
.error-page {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  text-align: center;
  padding: 80px 24px;
}

.error-code {
  font-family: var(--font-head);
  font-size: clamp(5rem, 12vw, 10rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 0.85;
  margin-bottom: 24px;
  opacity: 0.3;
}

/* ---- Cookie Banner ---- */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy-light);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 20px 0;
  z-index: 2000;
  display: none;
}

.cookie-banner.visible { display: block; }
.cookie-banner-inner {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  justify-content: space-between;
}

.cookie-text { font-size: 0.85rem; color: rgba(255,255,255,0.75); max-width: 600px; }
.cookie-text a { color: var(--gold); text-decoration: underline; }
.cookie-actions { display: flex; gap: 12px; flex-shrink: 0; }

/* ---- Animations ---- */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

.fade-up { animation: fadeUp 0.6s ease forwards; }
.fade-up-delay-1 { animation-delay: 0.1s; opacity: 0; animation-fill-mode: forwards; }
.fade-up-delay-2 { animation-delay: 0.2s; opacity: 0; animation-fill-mode: forwards; }
.fade-up-delay-3 { animation-delay: 0.3s; opacity: 0; animation-fill-mode: forwards; }

/* ---- Divider ---- */
.divider { height: 1px; background: var(--gray-medium); margin: 40px 0; }
.divider--gold { background: linear-gradient(90deg, transparent, var(--gold), transparent); }

/* ---- Tag Chips ---- */
.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  background: rgba(201,168,76,0.1);
  color: var(--gold-dark);
  border: 1px solid rgba(201,168,76,0.25);
}

/* ---- Pagination ---- */
.pagination { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 48px; }
.page-link {
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-dark);
  border: 1.5px solid var(--gray-medium);
  transition: var(--transition);
}
.page-link:hover { border-color: var(--gold); color: var(--gold); }
.page-link.active { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ---- Responsive ---- */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .contact-layout { grid-template-columns: 1fr; gap: 48px; }
  .article-sidebar { padding-left: 0; }
}

@media (max-width: 900px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
  .sitemap-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-primary { display: none; }
  .hamburger { display: flex; }
}

@media (max-width: 640px) {
  .section { padding: 56px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr; gap: 1px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .newsletter-form { flex-direction: column; }
  .sitemap-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .cookie-banner-inner { flex-direction: column; align-items: flex-start; }
  .step-card { flex-direction: column; }
}

/* SVG Icon Sizing */
.footer-social a svg,
.footer-links a svg,
.social-links a svg,
nav svg,
footer svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  flex-shrink: 0;
}