/* =============================================
   Tax Professionals LLC — FBAR Site Stylesheet
   ============================================= */

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

/* ── Tokens ── */
:root {
  --navy:    #0D1B2A;
  --slate:   #1B3A5C;
  --gold:    #C9A84C;
  --gold-lt: #E8D49A;
  --cream:   #F5F2EB;
  --white:   #FFFFFF;
  --text:    #1A1A2E;
  --muted:   #6B7280;
  --border:  #D6CDB8;
  --success: #2A6B3F;
  --error:   #8B1A1A;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', system-ui, sans-serif;

  --radius-sm: 3px;
  --radius:    6px;
  --radius-lg: 12px;
  --shadow:    0 2px 16px rgba(13,27,42,0.10);
  --shadow-lg: 0 8px 40px rgba(13,27,42,0.18);
  --transition: 0.22s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  padding-top: 72px; /* nav height */
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── Typography ── */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.4rem); font-weight: 600; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p  { color: #3A3A4A; }

/* ── Layout ── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 72px 0; }
.section-sm { padding: 48px 0; }

/* ── Gold Rule ── */
.gold-rule {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}
.gold-rule::before, .gold-rule::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--gold);
}
.gold-rule-icon {
  width: 32px; height: 32px;
  fill: var(--gold);
  flex-shrink: 0;
}
.eyebrow {
  display: block;
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

/* ── Navigation ── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 900;
  background: var(--navy);
  height: 72px;
  display: flex;
  align-items: center;
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
  border-bottom: 2px solid var(--gold);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.nav-brand-mark {
  width: 38px; height: 38px;
  background: var(--gold);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  flex-shrink: 0;
}
.nav-brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}
.nav-brand-name {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.01em;
}
.nav-brand-tagline {
  font-size: 0.65rem;
  font-weight: 400;
  color: var(--gold-lt);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255,255,255,0.82);
  letter-spacing: 0.02em;
  transition: color var(--transition), background var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 600 !important;
  padding: 8px 18px !important;
  border-radius: var(--radius-sm) !important;
  margin-left: 8px;
}
.nav-cta:hover { background: var(--gold-lt) !important; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

/* ── Hero ── */
.hero {
  background: var(--navy);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 70%),
    repeating-linear-gradient(
      -55deg,
      transparent,
      transparent 40px,
      rgba(255,255,255,0.015) 40px,
      rgba(255,255,255,0.015) 41px
    );
  pointer-events: none;
}
.hero-content { position: relative; z-index: 1; max-width: 760px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: 100px;
  padding: 5px 14px;
  margin-bottom: 28px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.hero-badge::before {
  content: '';
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.5; transform: scale(1.3); }
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em {
  font-style: normal;
  color: var(--gold);
}
.hero-lead {
  font-size: 1.12rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  max-width: 620px;
  line-height: 1.75;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  letter-spacing: 0.02em;
  text-decoration: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-lt);
  border-color: var(--gold-lt);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-1px);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--slate);
  border-color: var(--slate);
  transform: translateY(-1px);
}
.btn-full { width: 100%; justify-content: center; }

/* ── Stats Bar ── */
.stats-bar {
  background: var(--slate);
  border-top: 1px solid rgba(201,168,76,0.3);
}
.stats-bar-inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  divide: 1px solid rgba(255,255,255,0.1);
}
.stat-item {
  padding: 28px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 4px;
}
.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ── Cards ── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 48px; height: 48px;
  background: rgba(201,168,76,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--gold);
  font-size: 1.4rem;
}
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }

/* ── Alert / Penalty Box ── */
.alert {
  border-radius: var(--radius);
  padding: 20px 24px;
  border-left: 4px solid;
  margin-bottom: 20px;
}
.alert-danger {
  background: #FEF2F2;
  border-color: #DC2626;
  color: #7F1D1D;
}
.alert-warning {
  background: #FFFBEB;
  border-color: var(--gold);
  color: #78350F;
}
.alert-info {
  background: #EFF6FF;
  border-color: #2563EB;
  color: #1E3A5F;
}
.alert-title {
  font-weight: 700;
  margin-bottom: 4px;
  font-size: 0.9rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

/* ── Timeline ── */
.timeline { position: relative; padding-left: 32px; }
.timeline::before {
  content: '';
  position: absolute;
  left: 10px; top: 8px; bottom: 8px;
  width: 2px;
  background: linear-gradient(to bottom, var(--gold), var(--gold-lt));
}
.timeline-item {
  position: relative;
  margin-bottom: 32px;
  padding-bottom: 0;
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: -26px; top: 6px;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 2px var(--gold);
}
.timeline-date {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 4px;
}
.timeline-item h4 { margin-bottom: 6px; }

/* ── Accordion / FAQ ── */
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
}
.accordion-head {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  transition: background var(--transition);
  gap: 16px;
}
.accordion-head:hover { background: var(--cream); }
.accordion-head.open { background: var(--cream); color: var(--slate); }
.accordion-arrow {
  flex-shrink: 0;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: var(--navy);
  transition: transform var(--transition);
}
.accordion-head.open .accordion-arrow { transform: rotate(180deg); }
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
  padding: 0 22px;
  color: #3A3A4A;
  font-size: 0.95rem;
  line-height: 1.75;
}
.accordion-body.open {
  max-height: 400px;
  padding: 0 22px 18px;
}

/* ── Tabs ── */
.tabs-nav {
  display: flex;
  border-bottom: 2px solid var(--border);
  margin-bottom: 28px;
  gap: 0;
  overflow-x: auto;
}
.tab-btn {
  padding: 10px 22px;
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--muted);
  white-space: nowrap;
  transition: all var(--transition);
  letter-spacing: 0.03em;
}
.tab-btn.active {
  color: var(--navy);
  border-bottom-color: var(--gold);
}
.tab-btn:hover { color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ── Article Cards ── */
.article-card {
  display: flex;
  gap: 24px;
  padding: 28px;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  margin-bottom: 20px;
  background: var(--white);
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.article-card:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow-lg);
}
.article-card-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold-lt);
  line-height: 1;
  flex-shrink: 0;
  width: 52px;
  text-align: right;
  margin-top: 4px;
}
.article-card-body h3 { margin-bottom: 8px; font-size: 1.15rem; }
.article-card-body p  { font-size: 0.9rem; margin-bottom: 12px; }
.article-tag {
  display: inline-block;
  padding: 3px 10px;
  background: rgba(201,168,76,0.13);
  color: #7A5A00;
  border-radius: 100px;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-right: 6px;
}

/* ── Contact Section ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}
.contact-info-item {
  display: flex;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--border);
}
.contact-info-item:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.contact-icon {
  width: 44px; height: 44px;
  background: rgba(201,168,76,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.2rem;
}
.contact-detail-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 2px;
}
.contact-detail-value { font-weight: 500; color: var(--navy); }
.contact-detail-sub { font-size: 0.85rem; color: var(--muted); margin-top: 1px; }

/* ── Form ── */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 7px;
  letter-spacing: 0.02em;
}
.form-label .req { color: var(--gold); }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  -webkit-appearance: none;
}
.form-control:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
.form-control::placeholder { color: #B0AAAA; }
textarea.form-control { resize: vertical; min-height: 120px; }
select.form-control { cursor: pointer; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-hint { font-size: 0.78rem; color: var(--muted); margin-top: 5px; }
.form-success {
  background: #F0FDF4;
  border: 1.5px solid #22C55E;
  border-radius: var(--radius);
  padding: 18px 22px;
  color: var(--success);
  font-weight: 500;
  display: none;
  align-items: center;
  gap: 12px;
  margin-top: 16px;
}
.form-success.show { display: flex; }
.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}
.form-checkbox input[type="checkbox"] {
  width: 17px; height: 17px;
  border: 2px solid var(--border);
  border-radius: 3px;
  cursor: pointer;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--gold);
}
.form-checkbox label { font-size: 0.85rem; color: var(--muted); cursor: pointer; line-height: 1.5; }
.form-checkbox a { color: var(--gold); text-decoration: underline; }

/* ── Policy ── */
.policy-nav {
  position: sticky;
  top: 88px;
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 20px;
  border: 1px solid var(--border);
}
.policy-nav h4 { margin-bottom: 12px; font-size: 0.9rem; }
.policy-nav-list li { margin-bottom: 4px; }
.policy-nav-list a {
  font-size: 0.82rem;
  color: var(--muted);
  transition: color var(--transition);
  padding: 3px 8px;
  border-radius: 3px;
  display: block;
}
.policy-nav-list a:hover { color: var(--navy); background: rgba(201,168,76,0.1); }
.policy-layout { display: grid; grid-template-columns: 220px 1fr; gap: 48px; align-items: start; }
.policy-content h2 { font-size: 1.5rem; margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--border); }
.policy-content h2:first-child { margin-top: 0; border-top: none; padding-top: 0; }
.policy-content h3 { font-size: 1.1rem; margin-top: 24px; margin-bottom: 8px; }
.policy-content p  { margin-bottom: 14px; font-size: 0.93rem; line-height: 1.8; }
.policy-content ul {
  list-style: disc;
  padding-left: 22px;
  margin-bottom: 14px;
  font-size: 0.93rem;
  line-height: 1.9;
  color: #3A3A4A;
}
.policy-content table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 20px;
  font-size: 0.88rem;
}
.policy-content th, .policy-content td {
  padding: 10px 14px;
  border: 1px solid var(--border);
  text-align: left;
}
.policy-content th { background: var(--cream); font-weight: 600; color: var(--navy); }

/* ── Breadcrumb ── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 32px;
  font-size: 0.78rem;
  color: var(--muted);
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { font-weight: 500; color: var(--navy); }

/* ── CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--slate) 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  right: -40px; top: -40px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(201,168,76,0.08);
}
.cta-banner h2 { color: var(--white); font-size: 1.7rem; margin-bottom: 8px; }
.cta-banner p  { color: rgba(255,255,255,0.7); margin: 0; }

/* ── Footer ── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding-top: 56px;
  padding-bottom: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  margin-top: 14px;
  line-height: 1.7;
  max-width: 280px;
}
.footer h4 {
  color: var(--white);
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer ul li { margin-bottom: 8px; }
.footer ul a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer ul a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.4); }
.footer-bottom a { color: rgba(255,255,255,0.55); transition: color var(--transition); }
.footer-bottom a:hover { color: var(--gold); }
.footer-duns {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  letter-spacing: 0.06em;
}
.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 4px;
  padding: 5px 10px;
  font-size: 0.7rem;
  color: var(--gold-lt);
  font-weight: 500;
  margin-top: 12px;
}

/* ── Cookie Bar ── */
#cookie-bar {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 9999;
  background: var(--navy);
  border-top: 2px solid var(--gold);
  padding: 18px 0;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.3);
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
#cookie-bar.show { transform: translateY(0); }
.cookie-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.cookie-text {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  flex: 1;
  min-width: 240px;
}
.cookie-text a { color: var(--gold); text-decoration: underline; }
.cookie-btns { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-accept {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 9px 20px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.85rem;
  cursor: pointer;
  transition: background var(--transition);
  font-family: var(--font-body);
}
.cookie-accept:hover { background: var(--gold-lt); }
.cookie-decline {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.25);
  color: rgba(255,255,255,0.75);
  padding: 9px 20px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  cursor: pointer;
  font-family: var(--font-body);
  transition: all var(--transition);
}
.cookie-decline:hover { border-color: rgba(255,255,255,0.6); color: white; }

/* ── Page Hero Variants ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--slate) 100%);
  padding: 56px 0 48px;
  border-bottom: 2px solid rgba(201,168,76,0.25);
}
.page-hero h1 { color: var(--white); font-size: 2.2rem; margin-bottom: 10px; }
.page-hero p  { color: rgba(255,255,255,0.7); font-size: 1.05rem; }

/* ── Highlight Box ── */
.highlight-box {
  background: var(--cream);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin-bottom: 20px;
}
.highlight-box h4 { margin-bottom: 6px; }

/* ── Feedback Stars ── */
.star-rating { display: flex; gap: 8px; margin-bottom: 16px; }
.star {
  font-size: 1.6rem;
  cursor: pointer;
  color: var(--border);
  transition: color var(--transition), transform var(--transition);
  line-height: 1;
}
.star:hover,
.star.selected { color: var(--gold); transform: scale(1.15); }

/* ── Utility ── */
.text-center  { text-align: center; }
.text-gold    { color: var(--gold) !important; }
.text-navy    { color: var(--navy) !important; }
.text-muted   { color: var(--muted) !important; }
.text-white   { color: var(--white) !important; }
.bg-cream     { background: var(--cream); }
.bg-navy      { background: var(--navy); }
.mt-0  { margin-top: 0 !important; }
.mt-8  { margin-top: 8px !important; }
.mt-16 { margin-top: 16px !important; }
.mt-24 { margin-top: 24px !important; }
.mt-32 { margin-top: 32px !important; }
.mb-0  { margin-bottom: 0 !important; }
.mb-8  { margin-bottom: 8px !important; }
.mb-16 { margin-bottom: 16px !important; }
.mb-24 { margin-bottom: 24px !important; }
.mb-32 { margin-bottom: 32px !important; }
.mb-48 { margin-bottom: 48px !important; }
.fw-600 { font-weight: 600 !important; }
.d-none { display: none !important; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .policy-layout { grid-template-columns: 1fr; }
  .policy-nav { position: static; }
  .cta-banner { flex-direction: column; text-align: center; }
}
@media (max-width: 680px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-bar-inner { grid-template-columns: 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .stat-item:last-child { border-bottom: none; }
  .form-row { grid-template-columns: 1fr; }
  .nav-links { display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--navy); flex-direction: column; padding: 16px; gap: 4px; border-top: 1px solid rgba(255,255,255,0.1); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .article-card { flex-direction: column; gap: 12px; }
  .article-card-num { width: auto; text-align: left; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  h1 { font-size: 1.9rem; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
}