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

/* =====================================================
   TRANSIT - Finansal Bilgi Portalı
   Ana Stil Dosyası
   ===================================================== */

:root {
  --color-white: #ffffff;
  --color-bg: #f8f9fc;
  --color-bg-alt: #eef2f7;
  --color-navy: #1a2b4a;
  --color-navy-mid: #2c4370;
  --color-navy-light: #3d5a9a;
  --color-gray-dark: #2e3a4e;
  --color-gray-mid: #5a6a80;
  --color-gray-light: #8a9ab0;
  --color-gray-border: #d4dce8;
  --color-gray-pale: #f0f4f9;
  --color-green: #2d9b6f;
  --color-green-light: #e8f7f1;
  --color-green-mid: #4db88a;
  --color-blue-accent: #4a8fc7;
  --color-blue-light: #e8f2fb;
  --color-gold: #c8a855;
  --color-gold-light: #fdf6e3;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-head: 'Inter', sans-serif;
  --font-serif: 'Merriweather', Georgia, serif;
  --shadow-xs: 0 1px 3px rgba(26,43,74,0.06);
  --shadow-sm: 0 2px 8px rgba(26,43,74,0.08);
  --shadow-md: 0 4px 16px rgba(26,43,74,0.10);
  --shadow-lg: 0 8px 32px rgba(26,43,74,0.12);
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 20px;
  --container: 1200px;
  --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-body);
  background: var(--color-bg);
  color: var(--color-gray-dark);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--color-navy-light); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-green); }

img { max-width: 100%; height: auto; display: block; }
ul, ol { list-style: none; }

/* =====================================================
   LAYOUT
   ===================================================== */

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.container--narrow { max-width: 820px; }
.container--wide { max-width: 1400px; }

/* =====================================================
   TYPOGRAPHY
   ===================================================== */

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  color: var(--color-navy);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); }
h4 { font-size: 1.15rem; font-weight: 600; }
h5 { font-size: 1rem; font-weight: 600; }
h6 { font-size: 0.9rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-gray-mid); }

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

.text-muted { color: var(--color-gray-mid); }
.text-small { font-size: 0.85rem; }
.text-serif { font-family: var(--font-serif); }
.text-center { text-align: center; }
.text-navy { color: var(--color-navy); }
.text-green { color: var(--color-green); }
.text-blue { color: var(--color-blue-accent); }

.lead {
  font-size: 1.125rem;
  color: var(--color-gray-mid);
  line-height: 1.75;
  font-weight: 400;
}

/* =====================================================
   BUTTONS
   ===================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  letter-spacing: 0.01em;
  white-space: nowrap;
}

.btn--primary {
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}
.btn--primary:hover {
  background: var(--color-navy-mid);
  border-color: var(--color-navy-mid);
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn--secondary {
  background: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}
.btn--secondary:hover {
  background: var(--color-navy);
  color: var(--color-white);
  transform: translateY(-1px);
}

.btn--green {
  background: var(--color-green);
  color: var(--color-white);
  border-color: var(--color-green);
}
.btn--green:hover {
  background: #228a5c;
  border-color: #228a5c;
  color: var(--color-white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn--outline-green {
  background: transparent;
  color: var(--color-green);
  border-color: var(--color-green);
}
.btn--outline-green:hover {
  background: var(--color-green);
  color: var(--color-white);
}

.btn--ghost {
  background: transparent;
  color: var(--color-gray-mid);
  border-color: var(--color-gray-border);
}
.btn--ghost:hover {
  background: var(--color-gray-pale);
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn--sm { padding: 8px 18px; font-size: 0.8rem; }
.btn--lg { padding: 16px 40px; font-size: 1rem; }
.btn--block { width: 100%; justify-content: center; }

/* =====================================================
   HEADER / NAV
   ===================================================== */

.site-header {
  background: var(--color-white);
  border-bottom: 1px solid var(--color-gray-border);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-xs);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-mark {
  width: 36px;
  height: 36px;
  background: var(--color-navy);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.logo-mark::before {
  content: '';
  position: absolute;
  width: 16px;
  height: 2px;
  background: var(--color-green);
  top: 13px;
  left: 10px;
}
.logo-mark::after {
  content: '';
  position: absolute;
  width: 10px;
  height: 2px;
  background: var(--color-white);
  top: 19px;
  left: 10px;
  opacity: 0.6;
}

.logo-text {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-navy);
  letter-spacing: -0.03em;
}

.logo-text span {
  color: var(--color-green);
}

.logo-subtitle {
  font-size: 0.65rem;
  color: var(--color-gray-light);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1;
  display: block;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 12px;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--color-gray-dark);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  white-space: nowrap;
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-navy);
  background: var(--color-gray-pale);
}

.nav-link svg {
  width: 12px;
  height: 12px;
  stroke: currentColor;
  transition: transform var(--transition);
}

.nav-item:hover .nav-link svg { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 100;
}

.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a {
  display: block;
  padding: 9px 14px;
  font-size: 0.83rem;
  color: var(--color-gray-dark);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}

.dropdown a:hover {
  background: var(--color-gray-pale);
  color: var(--color-navy);
  padding-left: 18px;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.header-phone {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-navy);
  display: flex;
  align-items: center;
  gap: 6px;
}

.header-phone::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--color-green);
  border-radius: 50%;
  flex-shrink: 0;
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-sm);
  padding: 8px;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
}

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--color-navy);
  border-radius: 2px;
  transition: all var(--transition);
}

/* =====================================================
   TOP BAR
   ===================================================== */

.top-bar {
  background: var(--color-navy);
  padding: 7px 0;
}

.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.top-bar-text {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
  display: flex;
  align-items: center;
  gap: 20px;
}

.top-bar-text span {
  display: flex;
  align-items: center;
  gap: 5px;
}

.top-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-bar-link {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}
.top-bar-link:hover { color: var(--color-white); }

/* =====================================================
   HERO
   ===================================================== */

.hero {
  background: var(--color-white);
  padding: 72px 0 60px;
  border-bottom: 1px solid var(--color-gray-border);
  overflow: hidden;
  position: relative;
}

.hero::before {
  content: '';
  position: absolute;
  right: -100px;
  top: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(45,155,111,0.04) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero-content { max-width: 560px; }

.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-green);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero-eyebrow::before {
  content: '';
  width: 24px;
  height: 2px;
  background: var(--color-green);
}

.hero h1 {
  margin-bottom: 20px;
  color: var(--color-navy);
}

.hero .lead {
  margin-bottom: 32px;
  font-size: 1.05rem;
}

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

.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--color-gray-border);
}

.hero-stat-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-label {
  font-size: 0.75rem;
  color: var(--color-gray-mid);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.hero-visual {
  position: relative;
}

.hero-img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
}

.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* =====================================================
   SECTION DEFAULTS
   ===================================================== */

.section { padding: 72px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 100px 0; }
.section--white { background: var(--color-white); }
.section--alt { background: var(--color-bg-alt); }
.section--navy { background: var(--color-navy); }
.section--dark { background: var(--color-gray-dark); }

.section-head {
  margin-bottom: 52px;
}

.section-head--center {
  text-align: center;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 52px;
}

.section-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-green);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.section-label--center {
  justify-content: center;
}

.section-label::before {
  content: '';
  width: 18px;
  height: 2px;
  background: currentColor;
}

.section-head h2 { margin-bottom: 16px; }
.section-head p { color: var(--color-gray-mid); }

/* =====================================================
   CARDS
   ===================================================== */

.card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--color-gray-light);
}

.card-img {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
}

.card-body { padding: 24px; }

.card-tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}

.card-tag--green { background: var(--color-green-light); color: var(--color-green); }
.card-tag--blue { background: var(--color-blue-light); color: var(--color-blue-accent); }
.card-tag--gold { background: var(--color-gold-light); color: var(--color-gold); }
.card-tag--navy { background: rgba(26,43,74,0.08); color: var(--color-navy); }

.card-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 10px;
  line-height: 1.35;
}

.card-text {
  font-size: 0.85rem;
  color: var(--color-gray-mid);
  line-height: 1.6;
  margin-bottom: 0;
}

.card-footer {
  padding: 16px 24px;
  border-top: 1px solid var(--color-gray-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--color-gray-pale);
}

.card-meta {
  font-size: 0.75rem;
  color: var(--color-gray-light);
}

.card-link {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-navy-light);
  display: flex;
  align-items: center;
  gap: 4px;
}

.card-link:hover { color: var(--color-green); }
.card-link::after { content: '→'; transition: transform var(--transition); }
.card-link:hover::after { transform: translateX(3px); }

/* Icon cards */
.icon-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all var(--transition);
}

.icon-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--color-green-mid);
}

.icon-card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.icon-card-icon--green { background: var(--color-green-light); }
.icon-card-icon--blue { background: var(--color-blue-light); }
.icon-card-icon--gold { background: var(--color-gold-light); }
.icon-card-icon--navy { background: rgba(26,43,74,0.06); }

.icon-card h3 {
  font-size: 1.05rem;
  margin-bottom: 10px;
}

.icon-card p {
  font-size: 0.85rem;
  color: var(--color-gray-mid);
  margin-bottom: 0;
}

/* =====================================================
   GRIDS
   ===================================================== */

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-5 { grid-template-columns: repeat(5, 1fr); }

/* =====================================================
   BREADCRUMB
   ===================================================== */

.breadcrumb-bar {
  background: var(--color-white);
  border-bottom: 1px solid var(--color-gray-border);
  padding: 13px 0;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--color-gray-light);
}

.breadcrumb a {
  color: var(--color-gray-mid);
  transition: color var(--transition);
}
.breadcrumb a:hover { color: var(--color-navy); }

.breadcrumb-sep {
  color: var(--color-gray-border);
  font-size: 0.7rem;
}

.breadcrumb-current { color: var(--color-navy); font-weight: 500; }

/* =====================================================
   PAGE HERO (inner pages)
   ===================================================== */

.page-hero {
  background: var(--color-white);
  padding: 52px 0 40px;
  border-bottom: 1px solid var(--color-gray-border);
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-green) 0%, var(--color-blue-accent) 50%, transparent 100%);
  width: 200px;
}

.page-hero h1 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); margin-bottom: 12px; }
.page-hero .lead { max-width: 600px; }

/* =====================================================
   CONTENT ARTICLE
   ===================================================== */

.article-body h2 { font-size: 1.5rem; margin: 40px 0 16px; padding-top: 8px; border-top: 1px solid var(--color-gray-border); }
.article-body h3 { font-size: 1.2rem; margin: 28px 0 12px; color: var(--color-navy); }
.article-body h4 { margin: 20px 0 10px; }
.article-body p { font-size: 0.95rem; line-height: 1.8; color: var(--color-gray-dark); margin-bottom: 1.2rem; }
.article-body ul, .article-body ol { margin: 16px 0 24px 24px; }
.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li { font-size: 0.95rem; line-height: 1.75; color: var(--color-gray-dark); margin-bottom: 8px; }
.article-body strong { color: var(--color-navy); font-weight: 600; }
.article-body img { border-radius: var(--radius-md); margin: 28px 0; width: 100%; }
.article-body blockquote {
  border-left: 3px solid var(--color-green);
  margin: 28px 0;
  padding: 16px 24px;
  background: var(--color-green-light);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-style: italic;
  color: var(--color-gray-dark);
}

/* =====================================================
   SIDEBAR
   ===================================================== */

.sidebar { display: flex; flex-direction: column; gap: 24px; }

.sidebar-widget {
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.sidebar-widget-head {
  padding: 16px 20px;
  border-bottom: 1px solid var(--color-gray-border);
  background: var(--color-gray-pale);
}

.sidebar-widget-head h4 {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-gray-mid);
  font-weight: 700;
  margin: 0;
}

.sidebar-widget-body { padding: 16px 20px; }

.sidebar-links { display: flex; flex-direction: column; gap: 2px; }

.sidebar-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 12px;
  font-size: 0.83rem;
  color: var(--color-gray-dark);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  border: 1px solid transparent;
}

.sidebar-link:hover,
.sidebar-link.active {
  background: var(--color-gray-pale);
  color: var(--color-navy);
  border-color: var(--color-gray-border);
}

.sidebar-link.active { font-weight: 600; }

.sidebar-link-arrow {
  font-size: 0.7rem;
  color: var(--color-gray-light);
}

/* =====================================================
   TWO COL LAYOUT
   ===================================================== */

.two-col-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 40px;
  align-items: start;
}

.two-col-layout--rev {
  grid-template-columns: 320px 1fr;
}

/* =====================================================
   DATA / STATS
   ===================================================== */

.stat-block {
  text-align: center;
  padding: 32px 20px;
}

.stat-value {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.8rem;
  color: var(--color-gray-mid);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.stats-strip {
  background: var(--color-navy);
  padding: 48px 0;
}

.stats-strip .stat-value { color: var(--color-white); }
.stats-strip .stat-label { color: rgba(255,255,255,0.55); }

.stats-strip-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.stats-strip-item {
  padding: 0 32px;
  border-right: 1px solid rgba(255,255,255,0.1);
  text-align: center;
}

.stats-strip-item:last-child { border-right: none; }

/* =====================================================
   INFO BOX
   ===================================================== */

.info-box {
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-bottom: 20px;
  border-left: 3px solid;
}

.info-box--green {
  background: var(--color-green-light);
  border-color: var(--color-green);
}

.info-box--blue {
  background: var(--color-blue-light);
  border-color: var(--color-blue-accent);
}

.info-box--gold {
  background: var(--color-gold-light);
  border-color: var(--color-gold);
}

.info-box--navy {
  background: rgba(26,43,74,0.04);
  border-color: var(--color-navy);
}

.info-box h5 {
  margin-bottom: 8px;
  font-size: 0.9rem;
}

.info-box p {
  font-size: 0.85rem;
  margin-bottom: 0;
}

/* =====================================================
   TABLE
   ===================================================== */

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.87rem;
}

.data-table th {
  text-align: left;
  padding: 12px 16px;
  background: var(--color-gray-pale);
  border-bottom: 2px solid var(--color-gray-border);
  font-weight: 600;
  color: var(--color-navy);
  white-space: nowrap;
}

.data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--color-gray-border);
  color: var(--color-gray-dark);
  vertical-align: middle;
}

.data-table tr:hover td { background: var(--color-gray-pale); }

.table-wrap {
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  overflow-x: auto;
}

/* =====================================================
   FORM
   ===================================================== */

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

.form-label {
  display: block;
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 7px;
}

.form-label .req { color: var(--color-green); margin-left: 2px; }

.form-control {
  display: block;
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--color-gray-dark);
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  -webkit-appearance: none;
}

.form-control:focus {
  border-color: var(--color-navy-light);
  box-shadow: 0 0 0 3px rgba(61,90,154,0.12);
}

.form-control::placeholder { color: var(--color-gray-light); }

textarea.form-control {
  resize: vertical;
  min-height: 130px;
  line-height: 1.6;
}

select.form-control { cursor: pointer; }

.form-help {
  font-size: 0.75rem;
  color: var(--color-gray-light);
  margin-top: 5px;
}

.form-error {
  font-size: 0.75rem;
  color: #d9534f;
  margin-top: 5px;
}

.form-success {
  background: var(--color-green-light);
  border: 1px solid var(--color-green-mid);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  display: none;
}

.form-success.active { display: block; }

.form-success-icon {
  font-size: 2.5rem;
  margin-bottom: 12px;
}

.form-success h4 {
  color: var(--color-green);
  margin-bottom: 8px;
}

.form-success p {
  font-size: 0.85rem;
  color: var(--color-gray-mid);
  margin-bottom: 0;
}

/* Checkbox / radio */
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}

.form-check input[type="checkbox"],
.form-check input[type="radio"] {
  width: 18px;
  height: 18px;
  border: 2px solid var(--color-gray-border);
  border-radius: 3px;
  background: var(--color-white);
  cursor: pointer;
  flex-shrink: 0;
  margin-top: 1px;
  appearance: none;
  -webkit-appearance: none;
  transition: all var(--transition);
}

.form-check input:checked {
  background: var(--color-navy);
  border-color: var(--color-navy);
}

.form-check-label {
  font-size: 0.83rem;
  color: var(--color-gray-dark);
  line-height: 1.5;
}

/* =====================================================
   TESTIMONIALS
   ===================================================== */

.testimonial-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  position: relative;
}

.testimonial-quote {
  font-size: 0.95rem;
  color: var(--color-gray-dark);
  line-height: 1.75;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-quote::before {
  content: '"';
  font-size: 3rem;
  color: var(--color-green);
  line-height: 0;
  vertical-align: -0.6rem;
  margin-right: 4px;
  font-family: var(--font-serif);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-gray-pale);
  border: 2px solid var(--color-gray-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-navy);
  flex-shrink: 0;
}

.author-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-navy);
}

.author-title {
  font-size: 0.75rem;
  color: var(--color-gray-light);
}

/* =====================================================
   CTA BAND
   ===================================================== */

.cta-band {
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 100%);
  padding: 64px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 24px 24px;
}

.cta-band h2 {
  color: var(--color-white);
  margin-bottom: 16px;
  font-size: clamp(1.4rem, 3vw, 2rem);
}

.cta-band p {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  margin-bottom: 32px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

.cta-band .btn--white {
  background: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-white);
  font-weight: 700;
}
.cta-band .btn--white:hover {
  background: var(--color-green-light);
  color: var(--color-green);
}

.cta-band-actions { display: flex; align-items: center; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =====================================================
   TEAM CARD
   ===================================================== */

.team-card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  text-align: center;
  transition: all var(--transition);
}

.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.team-card-img {
  width: 100%;
  aspect-ratio: 1/1;
  object-fit: cover;
}

.team-card-body { padding: 20px; }

.team-card-name {
  font-weight: 700;
  font-size: 1rem;
  color: var(--color-navy);
  margin-bottom: 4px;
}

.team-card-role {
  font-size: 0.78rem;
  color: var(--color-green);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  font-weight: 600;
  margin-bottom: 12px;
}

.team-card-bio {
  font-size: 0.82rem;
  color: var(--color-gray-mid);
  line-height: 1.6;
}

/* =====================================================
   ACCORDION
   ===================================================== */

.accordion { border: 1px solid var(--color-gray-border); border-radius: var(--radius-lg); overflow: hidden; }

.accordion-item { border-bottom: 1px solid var(--color-gray-border); }
.accordion-item:last-child { border-bottom: none; }

.accordion-header {
  width: 100%;
  text-align: left;
  background: var(--color-white);
  border: none;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--color-navy);
  gap: 16px;
  transition: background var(--transition);
}

.accordion-header:hover { background: var(--color-gray-pale); }

.accordion-icon {
  width: 22px;
  height: 22px;
  border: 2px solid var(--color-gray-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.7rem;
  color: var(--color-gray-mid);
  transition: all var(--transition);
}

.accordion-item.open .accordion-icon {
  background: var(--color-navy);
  border-color: var(--color-navy);
  color: var(--color-white);
  transform: rotate(45deg);
}

.accordion-body {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.accordion-item.open .accordion-body {
  max-height: 600px;
  padding: 16px 24px 24px;
}

.accordion-body p {
  font-size: 0.88rem;
  color: var(--color-gray-mid);
  line-height: 1.7;
  margin-bottom: 0;
}

/* =====================================================
   PROCESS STEPS
   ===================================================== */

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: var(--color-gray-border);
  z-index: 0;
}

.process-step {
  text-align: center;
  padding: 0 16px;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-white);
  border: 2px solid var(--color-gray-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-navy);
  margin: 0 auto 20px;
  position: relative;
}

.process-step.active .step-number {
  background: var(--color-navy);
  border-color: var(--color-navy);
  color: var(--color-white);
}

.step-title {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: 8px;
}

.step-desc {
  font-size: 0.78rem;
  color: var(--color-gray-mid);
  line-height: 1.6;
}

/* =====================================================
   TABS
   ===================================================== */

.tabs { }

.tab-nav {
  display: flex;
  gap: 4px;
  border-bottom: 2px solid var(--color-gray-border);
  margin-bottom: 32px;
  overflow-x: auto;
  scrollbar-width: none;
}
.tab-nav::-webkit-scrollbar { display: none; }

.tab-btn {
  padding: 10px 20px;
  font-size: 0.87rem;
  font-weight: 600;
  color: var(--color-gray-mid);
  background: none;
  border: none;
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: all var(--transition);
  white-space: nowrap;
  font-family: var(--font-body);
}

.tab-btn:hover { color: var(--color-navy); }

.tab-btn.active {
  color: var(--color-navy);
  border-bottom-color: var(--color-navy);
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* =====================================================
   HIGHLIGHT BOX
   ===================================================== */

.highlight-number {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1;
  display: block;
}

.highlight-sup {
  font-size: 1.5rem;
  vertical-align: super;
}

/* =====================================================
   TAG LIST
   ===================================================== */

.tag-list { display: flex; flex-wrap: wrap; gap: 8px; }

.tag {
  display: inline-flex;
  align-items: center;
  padding: 5px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
  text-decoration: none;
  transition: all var(--transition);
}

.tag--outline {
  border: 1px solid var(--color-gray-border);
  color: var(--color-gray-mid);
  background: var(--color-white);
}
.tag--outline:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
  background: var(--color-gray-pale);
}

.tag--solid-navy { background: var(--color-navy); color: var(--color-white); }
.tag--solid-green { background: var(--color-green); color: var(--color-white); }

/* =====================================================
   CONTACT INFO
   ===================================================== */

.contact-info-list { display: flex; flex-direction: column; gap: 16px; }

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--color-gray-pale);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-info-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-gray-light);
  margin-bottom: 3px;
}

.contact-info-value {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-navy);
}

.contact-info-value a { color: var(--color-navy); }
.contact-info-value a:hover { color: var(--color-green); }

/* =====================================================
   FOOTER
   ===================================================== */

.site-footer {
  background: var(--color-navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand .logo-text {
  color: var(--color-white);
  font-size: 1.35rem;
  margin-bottom: 14px;
  display: block;
}

.footer-desc {
  font-size: 0.83rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin-bottom: 20px;
}

.footer-contact-item {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 7px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.footer-contact-item strong { color: rgba(255,255,255,0.75); font-weight: 500; }

.footer-col h5 {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.45);
  font-weight: 700;
  margin-bottom: 20px;
}

.footer-links { display: flex; flex-direction: column; gap: 9px; }

.footer-link {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-link::before {
  content: '';
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  flex-shrink: 0;
  transition: background var(--transition);
}

.footer-link:hover {
  color: var(--color-white);
}
.footer-link:hover::before { background: var(--color-green); }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-copy {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
}

.footer-policy-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-policy-link {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  transition: color var(--transition);
}

.footer-policy-link:hover { color: rgba(255,255,255,0.7); }

/* =====================================================
   POLICY PAGES
   ===================================================== */

.policy-body {
  max-width: 800px;
}

.policy-body h2 {
  font-size: 1.3rem;
  margin: 36px 0 14px;
  padding-top: 24px;
  border-top: 1px solid var(--color-gray-border);
}

.policy-body h2:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.policy-body h3 { font-size: 1.05rem; margin: 20px 0 10px; }
.policy-body p { font-size: 0.9rem; line-height: 1.85; margin-bottom: 1rem; color: var(--color-gray-dark); }
.policy-body ul, .policy-body ol { margin: 12px 0 20px 24px; }
.policy-body ul { list-style: disc; }
.policy-body ol { list-style: decimal; }
.policy-body li { font-size: 0.9rem; line-height: 1.75; margin-bottom: 8px; color: var(--color-gray-dark); }
.policy-body table { width: 100%; border-collapse: collapse; font-size: 0.85rem; margin: 20px 0; }
.policy-body th { background: var(--color-gray-pale); padding: 10px 14px; border: 1px solid var(--color-gray-border); text-align: left; font-weight: 600; }
.policy-body td { padding: 10px 14px; border: 1px solid var(--color-gray-border); }
.policy-body strong { color: var(--color-navy); }
.policy-meta { font-size: 0.8rem; color: var(--color-gray-light); margin-bottom: 32px; }

/* =====================================================
   UTILS
   ===================================================== */

.divider {
  height: 1px;
  background: var(--color-gray-border);
  margin: 40px 0;
}

.divider--sm { margin: 24px 0; }
.divider--lg { margin: 56px 0; }

.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 100px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.badge--green { background: var(--color-green-light); color: var(--color-green); }
.badge--blue { background: var(--color-blue-light); color: var(--color-blue-accent); }
.badge--gold { background: var(--color-gold-light); color: var(--color-gold); }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.mt-0 { margin-top: 0; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.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; }
.gap-8 { gap: 8px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.gap-32 { gap: 32px; }
.gap-40 { gap: 40px; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.items-start { align-items: flex-start; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.flex-wrap { flex-wrap: wrap; }
.w-full { width: 100%; }
.hidden { display: none; }

/* =====================================================
   RESPONSIVE
   ===================================================== */

@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .process-steps::before { display: none; }
  .hero-inner { gap: 40px; }
  .stats-strip-inner { grid-template-columns: repeat(2, 1fr); }
  .stats-strip-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding: 24px 0; }
  .stats-strip-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.1); }
}

@media (max-width: 900px) {
  .main-nav { display: none; }
  .menu-toggle { display: flex; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .two-col-layout, .two-col-layout--rev { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .top-bar-text { display: none; }
}

@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .grid-2, .grid-3, .grid-4, .grid-5 { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero { padding: 48px 0 36px; }
  .hero-stats { flex-direction: column; gap: 20px; }
  .section { padding: 48px 0; }
  .stats-strip-inner { grid-template-columns: repeat(2, 1fr); }
  .header-phone { display: none; }
}

/* Mobile menu overlay */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: rgba(26,43,74,0.6);
}

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

.mobile-nav-panel {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 300px;
  background: var(--color-white);
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  transform: translateX(100%);
  transition: transform 0.3s ease;
}

.mobile-nav.open .mobile-nav-panel { transform: translateX(0); }

.mobile-nav-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--color-gray-border);
}

.mobile-nav-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--color-gray-mid);
  padding: 4px 8px;
}

.mobile-nav-links {
  padding: 12px 0;
}

.mobile-nav-link {
  display: block;
  padding: 12px 20px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-gray-dark);
  border-bottom: 1px solid var(--color-gray-border);
  transition: all var(--transition);
}

.mobile-nav-link:hover {
  background: var(--color-gray-pale);
  color: var(--color-navy);
  padding-left: 28px;
}

.mobile-nav-group-title {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-gray-light);
  padding: 16px 20px 6px;
}

/* Search bar */
.search-bar {
  display: flex;
  gap: 0;
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--color-white);
}

.search-bar input {
  flex: 1;
  padding: 10px 16px;
  border: none;
  outline: none;
  font-family: var(--font-body);
  font-size: 0.87rem;
  color: var(--color-gray-dark);
  background: transparent;
}

.search-bar input::placeholder { color: var(--color-gray-light); }

.search-bar button {
  padding: 10px 18px;
  background: var(--color-navy);
  border: none;
  color: var(--color-white);
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  transition: background var(--transition);
}

.search-bar button:hover { background: var(--color-navy-mid); }

/* Chart placeholder */
.chart-placeholder {
  background: var(--color-gray-pale);
  border: 1px solid var(--color-gray-border);
  border-radius: var(--radius-md);
  padding: 24px;
  text-align: center;
  min-height: 200px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

.chart-placeholder-icon { font-size: 2rem; opacity: 0.4; }
.chart-placeholder-text { font-size: 0.8rem; color: var(--color-gray-light); }

/* Checklist */
.checklist { display: flex; flex-direction: column; gap: 10px; }

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--color-gray-dark);
}

.checklist-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.checklist-icon--green { background: var(--color-green-light); color: var(--color-green); }

/* Progress bar */
.progress-bar {
  height: 8px;
  background: var(--color-gray-border);
  border-radius: 100px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  border-radius: 100px;
  background: linear-gradient(90deg, var(--color-green) 0%, var(--color-blue-accent) 100%);
  transition: width 1s ease;
}

/* Sticky sidebar */
.sticky-top {
  position: sticky;
  top: 88px;
}

/* Read time */
.read-time {
  font-size: 0.75rem;
  color: var(--color-gray-light);
  display: flex;
  align-items: center;
  gap: 5px;
}

/* Alert */
.alert {
  border-radius: var(--radius-md);
  padding: 14px 18px;
  font-size: 0.85rem;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
}
.alert--info { background: var(--color-blue-light); color: var(--color-blue-accent); border: 1px solid rgba(74,143,199,0.25); }
.alert--success { background: var(--color-green-light); color: var(--color-green); border: 1px solid rgba(45,155,111,0.25); }
.alert--warn { background: var(--color-gold-light); color: var(--color-gold); border: 1px solid rgba(200,168,85,0.3); }

/* Number list */
.number-list { counter-reset: num; display: flex; flex-direction: column; gap: 18px; }
.number-list-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  counter-increment: num;
}
.number-list-item::before {
  content: counter(num);
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--color-navy);
  background: var(--color-gray-pale);
  border: 1px solid var(--color-gray-border);
  border-radius: 50%;
  width: 30px;
  height: 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.number-list-item-content h5 { font-size: 0.9rem; margin-bottom: 4px; }
.number-list-item-content p { font-size: 0.82rem; color: var(--color-gray-mid); margin: 0; }