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

:root {
  --navy: #0D1B2A;
  --navy-mid: #162336;
  --navy-light: #1E3250;
  --white: #FFFFFF;
  --gray-50: #F8F9FA;
  --gray-100: #F1F3F5;
  --gray-200: #E8EAED;
  --gray-300: #D1D5DB;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --green: #2ECC8A;
  --green-dark: #25A874;
  --green-light: #E8F9F2;
  --red-soft: #F87171;
  --font-sans: 'Inter', sans-serif;
  --font-serif: 'Merriweather', serif;
  --radius: 8px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.14);
  --transition: 0.22s ease;
}

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

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

body {
  font-family: var(--font-sans);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── TYPOGRAPHY ──────────────────────────────────── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  color: var(--navy);
  line-height: 1.3;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.7rem); }
h4 { font-size: 1.2rem; }
p { font-size: 1rem; color: var(--gray-700); line-height: 1.75; }

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 0.75rem;
}
.section-title { margin-bottom: 1rem; }
.section-desc { font-size: 1.05rem; color: var(--gray-500); max-width: 640px; }

/* ── LAYOUT ──────────────────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.container--narrow { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 100px 0; }
.section--dark { background: var(--navy); color: var(--white); }
.section--gray { background: var(--gray-50); }
.section--navy-mid { background: var(--navy-mid); }

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.flex { display: flex; }
.flex-between { display: flex; justify-content: space-between; align-items: center; }
.flex-center { display: flex; justify-content: center; align-items: center; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }

/* ── HEADER ──────────────────────────────────────── */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  box-shadow: 0 2px 12px rgba(0,0,0,0.18);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.header__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 36px; height: 36px;
  background: var(--green);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 800; color: var(--navy);
  font-family: var(--font-sans);
  letter-spacing: -1px;
}
.logo-text {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  font-family: var(--font-sans);
  letter-spacing: -0.02em;
}
.logo-text span { color: var(--green); }

.nav { display: flex; align-items: center; gap: 4px; }
.nav__item { position: relative; }
.nav__link {
  display: block;
  padding: 8px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.78);
  border-radius: 6px;
  transition: background var(--transition), color var(--transition);
}
.nav__link:hover, .nav__link.active {
  background: rgba(255,255,255,0.08);
  color: var(--white);
}
.nav__dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border-radius: 10px;
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all var(--transition);
  z-index: 200;
}
.nav__item:hover .nav__dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav__dropdown a {
  display: block;
  padding: 9px 14px;
  font-size: 0.88rem;
  color: var(--gray-700);
  border-radius: 6px;
  font-weight: 500;
  transition: background var(--transition);
}
.nav__dropdown a:hover { background: var(--gray-100); color: var(--navy); }

.header__cta {
  background: var(--green);
  color: var(--navy);
  padding: 9px 20px;
  border-radius: 7px;
  font-size: 0.88rem;
  font-weight: 700;
  transition: background var(--transition);
  margin-left: 8px;
}
.header__cta:hover { background: var(--green-dark); color: var(--white); }

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

.mobile-nav {
  display: none;
  background: var(--navy-mid);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 16px 24px 20px;
}
.mobile-nav a {
  display: block;
  padding: 11px 0;
  color: rgba(255,255,255,0.8);
  font-size: 0.95rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.mobile-nav a:hover { color: var(--green); }

/* ── BUTTONS ─────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  text-decoration: none;
  font-family: var(--font-sans);
  letter-spacing: 0.01em;
}
.btn--primary {
  background: var(--green);
  color: var(--navy);
}
.btn--primary:hover { background: var(--green-dark); color: var(--white); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(46,204,138,0.3); }
.btn--outline {
  background: transparent;
  border: 2px solid var(--green);
  color: var(--green);
}
.btn--outline:hover { background: var(--green); color: var(--navy); }
.btn--white {
  background: var(--white);
  color: var(--navy);
}
.btn--white:hover { background: var(--gray-100); }
.btn--navy {
  background: var(--navy);
  color: var(--white);
}
.btn--navy:hover { background: var(--navy-light); }
.btn--sm { padding: 9px 18px; font-size: 0.83rem; }
.btn--lg { padding: 16px 36px; font-size: 1rem; }

/* ── HERO ────────────────────────────────────────── */
.hero {
  background: var(--navy);
  color: var(--white);
  padding: 80px 0 0;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 40%, rgba(46,204,138,0.07) 0%, transparent 65%);
  pointer-events: none;
}
.hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero__eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 20px;
  font-family: var(--font-sans);
}
.hero__title {
  font-size: clamp(2.1rem, 4.5vw, 3.4rem);
  color: var(--white);
  line-height: 1.18;
  margin-bottom: 24px;
}
.hero__title em { font-style: normal; color: var(--green); }
.hero__desc {
  font-size: 1.08rem;
  color: rgba(255,255,255,0.68);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero__stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero__stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  font-family: var(--font-sans);
  letter-spacing: -0.02em;
}
.hero__stat-num span { color: var(--green); }
.hero__stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-top: 2px; text-transform: uppercase; letter-spacing: 0.08em; }

.hero__visual { position: relative; }
.hero__img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.4);
  position: relative;
}
.hero__img-wrap img { width: 100%; height: 460px; object-fit: cover; }
.hero__img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 40%, rgba(13,27,42,0.5) 100%);
}
.hero__ticker {
  background: var(--navy-mid);
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 16px 0;
  margin-top: 60px;
  overflow: hidden;
}
.ticker__inner { display: flex; gap: 48px; animation: ticker 30s linear infinite; white-space: nowrap; }
.ticker__item { display: flex; align-items: center; gap: 10px; font-size: 0.82rem; color: rgba(255,255,255,0.65); }
.ticker__item .val { font-weight: 700; }
.ticker__item .pos { color: var(--green); }
.ticker__item .neg { color: var(--red-soft); }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ── CARDS ───────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card__img { width: 100%; height: 220px; object-fit: cover; }
.card__body { padding: 24px; }
.card__tag {
  display: inline-block;
  padding: 3px 10px;
  background: var(--green-light);
  color: var(--green-dark);
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.card__title { font-size: 1.15rem; margin-bottom: 10px; }
.card__title a:hover { color: var(--green-dark); }
.card__desc { font-size: 0.9rem; color: var(--gray-500); margin-bottom: 18px; }
.card__meta { display: flex; align-items: center; gap: 16px; font-size: 0.8rem; color: var(--gray-500); }
.card__meta-dot { width: 3px; height: 3px; background: var(--gray-300); border-radius: 50%; }
.card--dark { background: var(--navy-mid); border-color: rgba(255,255,255,0.08); }
.card--dark .card__body { padding: 28px; }
.card--dark h3, .card--dark h4 { color: var(--white); }
.card--dark p { color: rgba(255,255,255,0.65); }

/* ── STAT BLOCKS ─────────────────────────────────── */
.stat-block {
  text-align: center;
  padding: 32px 24px;
  border-radius: var(--radius-lg);
  background: var(--white);
  border: 1px solid var(--gray-200);
}
.stat-block__num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--navy);
  font-family: var(--font-sans);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-block__num .accent { color: var(--green); }
.stat-block__label { font-size: 0.85rem; color: var(--gray-500); font-weight: 500; }
.stat-block__sub { font-size: 0.78rem; color: var(--gray-300); margin-top: 4px; }

/* ── ARTICLE PAGE ────────────────────────────────── */
.article-header {
  background: var(--navy);
  padding: 60px 0 50px;
  color: var(--white);
}
.article-header__tag { margin-bottom: 16px; }
.article-header__title { color: var(--white); max-width: 800px; margin-bottom: 20px; }
.article-header__meta { display: flex; align-items: center; gap: 20px; font-size: 0.85rem; color: rgba(255,255,255,0.55); flex-wrap: wrap; }
.article-header__meta strong { color: rgba(255,255,255,0.85); }

.article-layout { display: grid; grid-template-columns: 1fr 340px; gap: 48px; padding: 60px 0; }
.article-body h2 { font-size: 1.6rem; margin: 40px 0 16px; }
.article-body h3 { font-size: 1.25rem; margin: 28px 0 12px; }
.article-body p { margin-bottom: 20px; font-size: 1.02rem; line-height: 1.82; }
.article-body ul { margin: 16px 0 24px 0; }
.article-body ul li { padding: 6px 0 6px 20px; position: relative; font-size: 1rem; }
.article-body ul li::before { content: ''; position: absolute; left: 0; top: 15px; width: 7px; height: 7px; background: var(--green); border-radius: 50%; }
.article-body blockquote {
  border-left: 4px solid var(--green);
  padding: 20px 24px;
  background: var(--gray-50);
  border-radius: 0 8px 8px 0;
  margin: 28px 0;
  font-style: italic;
  font-size: 1.05rem;
  color: var(--navy);
}
.article-body .highlight-box {
  background: var(--green-light);
  border: 1px solid rgba(46,204,138,0.25);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 28px 0;
}
.article-body .highlight-box p { color: var(--navy); margin: 0; }
.article-body figure { margin: 32px 0; }
.article-body figure img { border-radius: var(--radius); width: 100%; }
.article-body figure figcaption { font-size: 0.82rem; color: var(--gray-500); margin-top: 10px; text-align: center; }

.sidebar { position: sticky; top: 88px; height: fit-content; }
.sidebar__widget { margin-bottom: 28px; }
.sidebar__widget-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gray-200);
}
.sidebar__link-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
}
.sidebar__link-item:last-child { border: none; }
.sidebar__link-item .num {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--gray-200);
  font-family: var(--font-sans);
  line-height: 1;
  flex-shrink: 0;
  width: 28px;
}
.sidebar__link-item a { font-size: 0.9rem; font-weight: 600; color: var(--navy); line-height: 1.4; }
.sidebar__link-item a:hover { color: var(--green-dark); }

/* ── TABLE ───────────────────────────────────────── */
.data-table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.92rem; }
.data-table th {
  background: var(--navy);
  color: var(--white);
  padding: 13px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.data-table td { padding: 13px 16px; border-bottom: 1px solid var(--gray-200); vertical-align: top; }
.data-table tr:hover td { background: var(--gray-50); }
.data-table .green { color: var(--green-dark); font-weight: 600; }
.data-table .red { color: #DC2626; font-weight: 600; }

/* ── INDICATOR BAR ───────────────────────────────── */
.indicator {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.indicator__label { font-size: 0.85rem; font-weight: 600; color: var(--navy); min-width: 180px; }
.indicator__bar-wrap { flex: 1; height: 8px; background: var(--gray-200); border-radius: 4px; overflow: hidden; }
.indicator__bar { height: 100%; border-radius: 4px; background: var(--green); }
.indicator__bar--warn { background: #F59E0B; }
.indicator__bar--danger { background: var(--red-soft); }
.indicator__val { font-size: 0.85rem; font-weight: 700; color: var(--navy); min-width: 42px; text-align: right; }

/* ── INFO BOXES ──────────────────────────────────── */
.info-box {
  display: flex;
  gap: 16px;
  padding: 20px 24px;
  border-radius: var(--radius);
  margin-bottom: 16px;
  border: 1px solid transparent;
}
.info-box--info { background: #EFF6FF; border-color: #BFDBFE; }
.info-box--warn { background: #FFFBEB; border-color: #FDE68A; }
.info-box--success { background: var(--green-light); border-color: rgba(46,204,138,0.3); }
.info-box__icon { font-size: 1.3rem; flex-shrink: 0; line-height: 1.4; }
.info-box__text { font-size: 0.9rem; line-height: 1.65; }
.info-box__text strong { display: block; margin-bottom: 4px; color: var(--navy); }

/* ── ACCORDION / FAQ ─────────────────────────────── */
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-item__q {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 18px 24px;
  text-align: left;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: var(--font-sans);
  transition: background var(--transition);
}
.faq-item__q:hover { background: var(--gray-50); }
.faq-item__q.open { background: var(--navy); color: var(--white); }
.faq-item__q .icon {
  width: 24px; height: 24px;
  border-radius: 50%;
  border: 2px solid currentColor;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}
.faq-item__q.open .icon { transform: rotate(45deg); }
.faq-item__a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s ease;
}
.faq-item__a.open { max-height: 500px; }
.faq-item__a-inner { padding: 20px 24px; font-size: 0.95rem; line-height: 1.75; color: var(--gray-700); border-top: 1px solid var(--gray-200); }

/* ── CONTACT FORM ────────────────────────────────── */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-group--full { grid-column: 1 / -1; }
.form-label { font-size: 0.85rem; font-weight: 600; color: var(--navy); }
.form-input, .form-select, .form-textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 0.92rem;
  font-family: var(--font-sans);
  color: var(--gray-700);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  width: 100%;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(46,204,138,0.12);
}
.form-textarea { resize: vertical; min-height: 140px; }
.form-hint { font-size: 0.78rem; color: var(--gray-500); margin-top: 4px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; }
.form-check input { margin-top: 3px; accent-color: var(--green); }
.form-check label { font-size: 0.88rem; color: var(--gray-700); line-height: 1.5; }

.success-message {
  display: none;
  background: var(--green-light);
  border: 2px solid var(--green);
  border-radius: var(--radius);
  padding: 24px 28px;
  text-align: center;
  margin-top: 20px;
}
.success-message.visible { display: block; }
.success-message__icon { font-size: 2.5rem; margin-bottom: 12px; }
.success-message h3 { color: var(--navy); margin-bottom: 8px; }
.success-message p { color: var(--gray-700); font-size: 0.95rem; }

/* ── BREADCRUMB ──────────────────────────────────── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.65); }
.breadcrumb a:hover { color: var(--green); }
.breadcrumb__sep { opacity: 0.4; }

/* ── PAGINATION ──────────────────────────────────── */
.pagination { display: flex; align-items: center; gap: 8px; justify-content: center; margin-top: 48px; }
.pagination__btn {
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition);
}
.pagination__btn:hover, .pagination__btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* ── FOOTER ──────────────────────────────────────── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: 64px 0 0;
}
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer__brand .logo-text { font-size: 1.5rem; }
.footer__desc { font-size: 0.88rem; line-height: 1.7; margin: 16px 0 24px; max-width: 300px; }
.footer__contact-item { display: flex; align-items: flex-start; gap: 8px; font-size: 0.85rem; margin-bottom: 8px; }
.footer__col-title { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: rgba(255,255,255,0.9); margin-bottom: 16px; }
.footer__link {
  display: block;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  padding: 5px 0;
  transition: color var(--transition);
}
.footer__link:hover { color: var(--green); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
}
.footer__bottom-links { display: flex; gap: 20px; }
.footer__bottom-links a { color: rgba(255,255,255,0.45); transition: color var(--transition); }
.footer__bottom-links a:hover { color: var(--green); }

/* ── POLICY PAGES ────────────────────────────────── */
.policy-header { background: var(--navy); padding: 56px 0 44px; }
.policy-header h1 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.4rem); }
.policy-header .meta { color: rgba(255,255,255,0.5); font-size: 0.85rem; margin-top: 10px; }
.policy-body { padding: 56px 0 80px; }
.policy-body h2 { font-size: 1.3rem; margin: 36px 0 12px; color: var(--navy); }
.policy-body h3 { font-size: 1.05rem; margin: 24px 0 8px; color: var(--navy); }
.policy-body p { font-size: 0.96rem; margin-bottom: 16px; line-height: 1.8; }
.policy-body ul { margin: 12px 0 20px 20px; list-style: disc; }
.policy-body ul li { font-size: 0.96rem; padding: 4px 0; line-height: 1.7; }
.policy-body table { width: 100%; border-collapse: collapse; margin: 20px 0; }
.policy-body table th { background: var(--gray-100); padding: 11px 14px; text-align: left; font-size: 0.85rem; font-weight: 700; border: 1px solid var(--gray-300); }
.policy-body table td { padding: 11px 14px; font-size: 0.88rem; border: 1px solid var(--gray-300); vertical-align: top; }

/* ── UTILITY ─────────────────────────────────────── */
.text-center { text-align: center; }
.text-green { color: var(--green); }
.text-white { color: var(--white) !important; }
.text-navy { color: var(--navy); }
.mb-0 { margin-bottom: 0; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.divider { height: 1px; background: var(--gray-200); margin: 32px 0; }
.divider--dark { background: rgba(255,255,255,0.07); }
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; }
.tag {
  padding: 5px 13px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
  background: var(--gray-100);
  color: var(--gray-700);
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  display: inline-block;
}
.tag:hover, .tag.active { background: var(--navy); color: var(--white); }
.badge {
  display: inline-block;
  padding: 3px 9px;
  border-radius: 4px;
  font-size: 0.73rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.badge--green { background: var(--green-light); color: var(--green-dark); }
.badge--navy { background: var(--navy); color: var(--white); }
.icon-circle {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  flex-shrink: 0;
}
.icon-circle svg { width: 24px; height: 24px; stroke: var(--green-dark); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.icon-circle--dark { background: rgba(46,204,138,0.12); }
.icon-circle--dark svg { stroke: var(--green); }

/* ── CHART VISUAL ────────────────────────────────── */
.mini-chart {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 64px;
}
.mini-chart__bar {
  flex: 1;
  border-radius: 3px 3px 0 0;
  background: rgba(46,204,138,0.35);
  transition: background var(--transition);
}
.mini-chart__bar:hover { background: var(--green); }
.mini-chart__bar.hl { background: var(--green); }

/* ── RESPONSIVE ──────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .hero__grid { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 768px) {
  .nav { display: none; }
  .header__cta { display: none; }
  .burger { display: flex; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .hero__stats { gap: 20px; flex-wrap: wrap; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; gap: 12px; text-align: center; }
  .section { padding: 56px 0; }
  .hero { padding: 56px 0 0; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
  .pagination { flex-wrap: wrap; }
}