@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Merriweather:ital,wght@0,400;0,700;1,400&display=swap');

:root {
  --primary:        #0D2137;
  --primary-light:  #1E3A5F;
  --accent-blue:    #4A9ECC;
  --accent-gold:    #C9A84C;
  --gray-dark:      #2D3748;
  --gray-medium:    #4A5568;
  --gray-light:     #718096;
  --gray-xlight:    #A0AEC0;
  --bg-white:       #FFFFFF;
  --bg-offwhite:    #F7F9FC;
  --bg-section:     #EFF3F8;
  --bg-dark:        #0A1929;
  --text-primary:   #1A202C;
  --text-secondary: #4A5568;
  --border:         #D1DCEA;
  --border-light:   #E8EFF7;
  --success:        #2F855A;
  --warning:        #C05621;
  --shadow-sm:      0 1px 3px rgba(13,33,55,0.08);
  --shadow-md:      0 4px 16px rgba(13,33,55,0.12);
  --shadow-lg:      0 8px 32px rgba(13,33,55,0.16);
  --radius-sm:      4px;
  --radius-md:      8px;
  --radius-lg:      12px;
  --transition:     all 0.25s ease;
  --max-width:      1200px;
}

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

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

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-primary);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: inherit; text-decoration: none; transition: var(--transition); }
ul { list-style: none; }
button, input, textarea, select { font-family: inherit; font-size: inherit; }

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', serif;
  color: var(--primary);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.15rem; }
p  { color: var(--text-secondary); line-height: 1.75; margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.text-gold    { color: var(--accent-gold); }
.text-blue    { color: var(--accent-blue); }
.text-primary { color: var(--primary); }
.text-center  { text-align: center; }

/* ===== LAYOUT ===== */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-dark { background: var(--bg-dark); }
.section-offwhite { background: var(--bg-offwhite); }
.section-section  { background: var(--bg-section); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ===== TOPBAR ===== */
.topbar {
  background: var(--primary);
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.topbar a { color: rgba(255,255,255,0.75); }
.topbar a:hover { color: var(--accent-gold); }
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 20px; }
.topbar-item { display: flex; align-items: center; gap: 6px; }

/* ===== HEADER / NAV ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--bg-white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  max-width: var(--max-width);
  margin: 0 auto;
  height: 68px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 38px;
  height: 38px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-gold);
  font-family: 'Merriweather', serif;
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: -1px;
}
.logo-text { font-family: 'Merriweather', serif; font-size: 1.3rem; font-weight: 700; color: var(--primary); }
.logo-sub  { font-size: 0.62rem; color: var(--gray-light); letter-spacing: 0.08em; text-transform: uppercase; display: block; margin-top: -3px; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item  { position: relative; }
.nav-link  {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--gray-dark);
  border-radius: var(--radius-sm);
  white-space: nowrap;
  cursor: pointer;
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--bg-section); }
.nav-arrow { font-size: 0.65rem; transition: transform 0.2s; }
.nav-item:hover .nav-arrow { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  min-width: 220px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 200;
  padding: 8px 0;
}
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: block;
  padding: 9px 18px;
  font-size: 0.85rem;
  color: var(--gray-dark);
  border-left: 3px solid transparent;
}
.dropdown a:hover { color: var(--primary); background: var(--bg-offwhite); border-left-color: var(--accent-blue); }
.dropdown-divider { height: 1px; background: var(--border-light); margin: 6px 0; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}
.hamburger span { width: 24px; height: 2px; background: var(--primary); border-radius: 2px; transition: var(--transition); }

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  background: var(--primary);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/hero-sermaye.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.22;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(13,33,55,0.96) 45%, rgba(13,33,55,0.55) 100%);
}
.hero-content { position: relative; z-index: 2; max-width: 640px; }
.hero-eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-bottom: 18px;
  display: block;
}
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero p  { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 32px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary   { background: var(--accent-gold); color: var(--primary); border-color: var(--accent-gold); }
.btn-primary:hover { background: #b8932e; border-color: #b8932e; color: var(--primary); }
.btn-outline   { background: transparent; color: #fff; border-color: rgba(255,255,255,0.5); }
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: #fff; }
.btn-secondary { background: var(--bg-section); color: var(--primary); border-color: var(--border); }
.btn-secondary:hover { background: var(--border); }
.btn-dark      { background: var(--primary); color: #fff; border-color: var(--primary); }
.btn-dark:hover { background: var(--primary-light); border-color: var(--primary-light); }
.btn-sm        { padding: 8px 16px; font-size: 0.82rem; }
.btn-lg        { padding: 15px 30px; font-size: 0.95rem; }

/* ===== SECTION TITLE ===== */
.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-bottom: 10px;
}
.section-title { margin-bottom: 14px; }
.section-lead  { font-size: 1.05rem; color: var(--gray-medium); max-width: 620px; }
.section-header.center .section-lead { margin: 0 auto; }
.title-underline {
  display: block;
  width: 48px;
  height: 3px;
  background: var(--accent-gold);
  margin-top: 14px;
  border-radius: 2px;
}
.section-header.center .title-underline { margin: 14px auto 0; }

/* ===== CARDS ===== */
.card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: var(--border); }
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--bg-section);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  font-size: 1.3rem;
}
.card-icon.gold { background: rgba(201,168,76,0.12); }
.card-icon.blue { background: rgba(74,158,204,0.12); }
.card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.card p  { font-size: 0.9rem; }

.card-img {
  overflow: hidden;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.card-img img { width: 100%; height: 220px; object-fit: cover; transition: transform 0.4s ease; }
.card-img:hover img { transform: scale(1.04); }
.card-img-body { padding: 22px; }

/* ===== STAT CARDS ===== */
.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2px; }
.stat-item {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  padding: 28px 24px;
  text-align: center;
}
.stat-number {
  font-family: 'Merriweather', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--accent-gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); letter-spacing: 0.04em; }

/* ===== FEATURE LIST ===== */
.feature-list { display: flex; flex-direction: column; gap: 16px; }
.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 18px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  transition: var(--transition);
}
.feature-item:hover { border-color: var(--accent-blue); background: var(--bg-offwhite); }
.feature-num {
  font-family: 'Merriweather', serif;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--accent-gold);
  background: rgba(201,168,76,0.1);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  letter-spacing: 0.04em;
}
.feature-body h4 { color: var(--primary); margin-bottom: 4px; font-size: 0.95rem; }
.feature-body p  { font-size: 0.875rem; margin: 0; }

/* ===== DATA TABLE ===== */
.data-table-wrap { overflow-x: auto; border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.data-table thead { background: var(--primary); color: #fff; }
.data-table th {
  padding: 14px 18px;
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-align: left;
}
.data-table td { padding: 12px 18px; border-bottom: 1px solid var(--border-light); color: var(--text-secondary); }
.data-table tbody tr:nth-child(even) { background: var(--bg-offwhite); }
.data-table tbody tr:hover { background: var(--bg-section); }
.data-table .badge-up   { color: #276749; background: #C6F6D5; padding: 2px 8px; border-radius: 12px; font-size: 0.78rem; font-weight: 600; }
.data-table .badge-down { color: #9B2C2C; background: #FED7D7; padding: 2px 8px; border-radius: 12px; font-size: 0.78rem; font-weight: 600; }
.data-table .badge-neutral { color: #744210; background: #FEFCBF; padding: 2px 8px; border-radius: 12px; font-size: 0.78rem; font-weight: 600; }

/* ===== INFO BOX ===== */
.info-box {
  border-left: 4px solid var(--accent-blue);
  background: rgba(74,158,204,0.06);
  padding: 18px 22px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 24px 0;
}
.info-box.gold { border-left-color: var(--accent-gold); background: rgba(201,168,76,0.06); }
.info-box.warning { border-left-color: var(--warning); background: rgba(192,86,33,0.06); }
.info-box p { font-size: 0.9rem; margin: 0; }
.info-box strong { color: var(--primary); }

/* ===== ACCORDION ===== */
.accordion { border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-btn {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  background: var(--bg-white);
  border: none;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--primary);
  text-align: left;
  transition: var(--transition);
}
.accordion-btn:hover { background: var(--bg-offwhite); }
.accordion-btn.open  { background: var(--bg-section); color: var(--accent-blue); }
.accordion-icon { font-size: 1.1rem; transition: transform 0.25s; font-weight: 300; }
.accordion-btn.open .accordion-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 22px 20px; }
.accordion-body.open { display: block; }
.accordion-body p { font-size: 0.9rem; }

/* ===== TIMELINE ===== */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ''; position: absolute; left: 10px; top: 0; bottom: 0; width: 2px; background: var(--border); }
.timeline-item { position: relative; margin-bottom: 32px; }
.timeline-item::before {
  content: '';
  position: absolute;
  left: -26px;
  top: 6px;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--accent-gold);
  border: 2px solid var(--bg-white);
  box-shadow: 0 0 0 2px var(--accent-gold);
}
.timeline-date { font-size: 0.78rem; font-weight: 700; color: var(--accent-gold); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 4px; }
.timeline-title { font-size: 1rem; font-weight: 600; color: var(--primary); margin-bottom: 6px; }
.timeline-text  { font-size: 0.875rem; color: var(--text-secondary); }

/* ===== QUOTE / BLOCKQUOTE ===== */
blockquote {
  border-left: 4px solid var(--accent-gold);
  padding: 18px 24px;
  background: var(--bg-offwhite);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 28px 0;
  font-family: 'Merriweather', serif;
  font-style: italic;
  color: var(--gray-medium);
}
blockquote cite { display: block; margin-top: 10px; font-style: normal; font-size: 0.82rem; color: var(--accent-gold); font-family: 'Inter', sans-serif; font-weight: 600; }

/* ===== TAG / CATEGORY ===== */
.tag-list { display: flex; flex-wrap: wrap; gap: 8px; }
.tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--bg-section);
  border: 1px solid var(--border);
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--gray-medium);
  transition: var(--transition);
}
.tag:hover, .tag.active { background: var(--primary); color: #fff; border-color: var(--primary); }

/* ===== SIDEBAR ===== */
.sidebar-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 24px;
}
.sidebar-title {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--accent-gold);
}
.sidebar-links li { border-bottom: 1px solid var(--border-light); }
.sidebar-links li:last-child { border-bottom: none; }
.sidebar-links a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  font-size: 0.875rem;
  color: var(--text-secondary);
}
.sidebar-links a:hover { color: var(--accent-blue); }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  right: -80px;
  top: -80px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(74,158,204,0.06);
  border: 1px solid rgba(74,158,204,0.1);
}
.page-hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-bottom: 10px;
  display: block;
}
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero p  { color: rgba(255,255,255,0.7); max-width: 580px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.breadcrumb a:hover { color: var(--accent-gold); }
.breadcrumb span { opacity: 0.4; }

/* ===== FORMS ===== */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 6px;
  letter-spacing: 0.03em;
}
.form-control {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-white);
  color: var(--text-primary);
  font-size: 0.9rem;
  transition: var(--transition);
  outline: none;
}
.form-control:focus { border-color: var(--accent-blue); box-shadow: 0 0 0 3px rgba(74,158,204,0.12); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { cursor: pointer; }
.form-hint { font-size: 0.78rem; color: var(--gray-light); margin-top: 5px; }
.form-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; }
.form-check input { margin-top: 3px; accent-color: var(--accent-blue); }
.form-check span  { font-size: 0.85rem; color: var(--text-secondary); }
.form-check a { color: var(--accent-blue); }

/* ===== SUCCESS MESSAGE ===== */
.success-message {
  display: none;
  background: #F0FFF4;
  border: 1px solid #9AE6B4;
  border-radius: var(--radius-md);
  padding: 24px 28px;
  text-align: center;
}
.success-message.show { display: block; }
.success-icon { font-size: 2.5rem; margin-bottom: 12px; }
.success-message h3 { color: var(--success); margin-bottom: 8px; }
.success-message p  { color: #276749; font-size: 0.9rem; }

/* ===== PROGRESS BAR ===== */
.progress-bar-wrap { margin-bottom: 16px; }
.progress-label    { display: flex; justify-content: space-between; font-size: 0.82rem; font-weight: 600; color: var(--primary); margin-bottom: 6px; }
.progress-track    { height: 8px; background: var(--bg-section); border-radius: 4px; overflow: hidden; }
.progress-fill     { height: 100%; border-radius: 4px; background: linear-gradient(90deg, var(--accent-blue), var(--accent-gold)); }

/* ===== INDICATOR BADGE ===== */
.kpi-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.kpi-box {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 20px;
  border-top: 3px solid var(--accent-blue);
}
.kpi-box.gold  { border-top-color: var(--accent-gold); }
.kpi-box.green { border-top-color: #48BB78; }
.kpi-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-light); margin-bottom: 6px; }
.kpi-value { font-family: 'Merriweather', serif; font-size: 1.8rem; font-weight: 700; color: var(--primary); line-height: 1; }
.kpi-change { font-size: 0.78rem; margin-top: 4px; }
.kpi-up   { color: #276749; }
.kpi-down { color: #9B2C2C; }

/* ===== ARTICLE CARD ===== */
.article-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}
.article-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.article-card img  { width: 100%; height: 200px; object-fit: cover; }
.article-card-body { padding: 20px; }
.article-meta { display: flex; gap: 14px; font-size: 0.78rem; color: var(--gray-light); margin-bottom: 10px; }
.article-meta .cat { color: var(--accent-blue); font-weight: 600; }
.article-card h3   { font-size: 1rem; margin-bottom: 8px; line-height: 1.4; }
.article-card h3 a:hover { color: var(--accent-blue); }
.article-card p    { font-size: 0.85rem; color: var(--gray-medium); margin-bottom: 14px; }

/* ===== TEAM CARD ===== */
.team-card {
  text-align: center;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  transition: var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.team-card img  { width: 100px; height: 100px; border-radius: 50%; object-fit: cover; margin: 0 auto 16px; border: 3px solid var(--accent-gold); }
.team-name  { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.team-role  { font-size: 0.8rem; color: var(--accent-blue); font-weight: 600; margin-bottom: 10px; }
.team-bio   { font-size: 0.83rem; color: var(--text-secondary); line-height: 1.6; }

/* ===== COOKIE BANNER ===== */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--bg-dark);
  border-top: 2px solid var(--accent-gold);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.cookie-banner.show { transform: translateY(0); }
.cookie-text { font-size: 0.85rem; color: rgba(255,255,255,0.8); flex: 1; min-width: 280px; }
.cookie-text a { color: var(--accent-blue); }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }

/* ===== MOBILE NAV ===== */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--primary);
  overflow-y: auto;
  padding: 80px 24px 40px;
  flex-direction: column;
  gap: 4px;
}
.mobile-nav.open { display: flex; }
.mobile-nav-close {
  position: absolute;
  top: 20px;
  right: 20px;
  background: none;
  border: none;
  color: #fff;
  font-size: 1.5rem;
  cursor: pointer;
}
.mobile-nav a {
  color: rgba(255,255,255,0.85);
  font-size: 1rem;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.mobile-nav a:hover { color: var(--accent-gold); }
.mobile-nav .mobile-section-title {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-top: 18px;
  margin-bottom: 4px;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--bg-dark);
  color: rgba(255,255,255,0.7);
}
.footer-main { padding: 64px 0 40px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
}
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-sub  { color: rgba(255,255,255,0.4); }
.footer-brand p { font-size: 0.85rem; margin-top: 14px; line-height: 1.7; }
.footer-heading {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-bottom: 16px;
}
.footer-links a { display: block; font-size: 0.85rem; padding: 5px 0; color: rgba(255,255,255,0.6); }
.footer-links a:hover { color: var(--accent-blue); }
.footer-contact-item { display: flex; gap: 10px; align-items: flex-start; font-size: 0.85rem; margin-bottom: 12px; }
.footer-contact-icon { color: var(--accent-gold); flex-shrink: 0; margin-top: 2px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.4); }
.footer-bottom a:hover { color: rgba(255,255,255,0.7); }
.footer-policy-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-disclaimer {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.35);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 16px 0;
  line-height: 1.6;
}

/* ===== POLICY PAGES ===== */
.policy-page { padding: 64px 0; }
.policy-content { max-width: 820px; margin: 0 auto; }
.policy-content h2 { font-size: 1.35rem; margin: 36px 0 12px; padding-top: 12px; border-top: 1px solid var(--border-light); }
.policy-content h2:first-of-type { border-top: none; padding-top: 0; margin-top: 0; }
.policy-content h3 { font-size: 1.05rem; color: var(--primary-light); margin: 20px 0 8px; }
.policy-content p, .policy-content li { font-size: 0.92rem; line-height: 1.8; color: var(--text-secondary); }
.policy-content ul { padding-left: 20px; list-style: disc; margin-bottom: 14px; }
.policy-content ul li { margin-bottom: 6px; }
.policy-content ol { padding-left: 20px; list-style: decimal; margin-bottom: 14px; }
.policy-content table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 0.88rem; }
.policy-content th { background: var(--bg-section); padding: 10px 14px; text-align: left; font-weight: 600; color: var(--primary); border: 1px solid var(--border); }
.policy-content td { padding: 10px 14px; border: 1px solid var(--border); color: var(--text-secondary); }
.policy-meta { font-size: 0.8rem; color: var(--gray-light); margin-bottom: 32px; padding-bottom: 20px; border-bottom: 1px solid var(--border-light); display: flex; gap: 20px; flex-wrap: wrap; }
.policy-meta span { display: flex; gap: 6px; align-items: center; }

/* ===== UTILS ===== */
.mt-0{margin-top:0} .mt-1{margin-top:8px} .mt-2{margin-top:16px} .mt-3{margin-top:24px} .mt-4{margin-top:32px} .mt-5{margin-top:48px}
.mb-0{margin-bottom:0} .mb-1{margin-bottom:8px} .mb-2{margin-bottom:16px} .mb-3{margin-bottom:24px} .mb-4{margin-bottom:32px} .mb-5{margin-bottom:48px}
.gap-12{gap:12px} .gap-16{gap:16px} .gap-20{gap:20px} .gap-24{gap:24px}
.flex{display:flex} .items-center{align-items:center} .justify-between{justify-content:space-between}
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.content-sidebar { display: grid; grid-template-columns: 1fr 320px; gap: 40px; align-items: start; }
.divider { height: 1px; background: var(--border-light); margin: 40px 0; }
.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.78rem; }
.font-bold { font-weight: 700; }
.font-medium { font-weight: 500; }
.uppercase { text-transform: uppercase; letter-spacing: 0.08em; }
.rounded { border-radius: var(--radius-md); }
.overflow-hidden { overflow: hidden; }
.w-full { width: 100%; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .grid-4  { grid-template-columns: repeat(2, 1fr); }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .kpi-row { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  :root { --max-width: 100%; }
  .section { padding: 56px 0; }
  .grid-2, .grid-3, .two-col, .three-col, .content-sidebar { grid-template-columns: 1fr; }
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .topbar { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .kpi-row { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-policy-links { justify-content: center; }
  .hero { min-height: 460px; }
  .page-hero { padding: 40px 0; }
  .hero-actions { gap: 10px; }
  .btn { padding: 10px 18px; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: 1fr; }
  .kpi-row { grid-template-columns: 1fr; }
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.5rem; }
}

/* ===== SCROLL ANIMATION ===== */
.fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.55s ease, transform 0.55s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ===== CHART BARS (CSS) ===== */
.chart-bar-row { display: flex; flex-direction: column; gap: 10px; }
.chart-bar-item { display: flex; gap: 12px; align-items: center; }
.chart-bar-name { width: 120px; font-size: 0.8rem; color: var(--text-secondary); text-align: right; flex-shrink: 0; }
.chart-bar-track { flex: 1; height: 10px; background: var(--bg-section); border-radius: 5px; overflow: hidden; }
.chart-bar-fill  { height: 100%; border-radius: 5px; background: linear-gradient(90deg, var(--primary-light), var(--accent-blue)); }
.chart-bar-val   { width: 48px; font-size: 0.78rem; font-weight: 600; color: var(--primary); }

/* ===== HIGHLIGHT BAND ===== */
.highlight-band {
  background: linear-gradient(90deg, var(--primary) 0%, var(--primary-light) 100%);
  padding: 40px 0;
  text-align: center;
}
.highlight-band h2 { color: #fff; margin-bottom: 10px; }
.highlight-band p  { color: rgba(255,255,255,0.7); max-width: 600px; margin: 0 auto 24px; }

/* ===== COMPARISON TABLE ===== */
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.compare-table th { background: var(--primary); color: #fff; padding: 14px 16px; text-align: center; }
.compare-table th:first-child { text-align: left; }
.compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--border-light); text-align: center; }
.compare-table td:first-child { text-align: left; font-weight: 500; color: var(--primary); }
.compare-table tbody tr:nth-child(even) { background: var(--bg-offwhite); }
.check-icon { color: #276749; font-size: 1.1rem; }
.cross-icon { color: #9B2C2C; font-size: 1.1rem; }

/* ===== RISK METER ===== */
.risk-meter { display: flex; gap: 4px; align-items: flex-end; height: 40px; }
.risk-bar { width: 10px; border-radius: 2px 2px 0 0; transition: var(--transition); }
.risk-bar.low    { background: #48BB78; }
.risk-bar.medium { background: var(--accent-gold); }
.risk-bar.high   { background: #E53E3E; }