/* 
 * AzbukaFinansov.ru - Design System based on Addendum (#68843)
 * Exact palette: Warm Bronze (#b68157), Slate Navy (#262d36), Light Grey (#f7f7f7)
 * Exact typography: Poppins (headings, nav, buttons, badges) & Lato (body text)
 * Strict rules: No violet, no neon gradients, sticky footer, 100% responsive
 */

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

:root {
  /* Addendum Palette */
  --primary: #b68157;
  --primary-hover: #dca77d;
  --primary-rgb-hover: rgb(220, 167, 125);
  --primary-dark: #96653e;
  --primary-light: #fbf7f4;
  --primary-subtle: rgba(182, 129, 87, 0.12);
  
  --dark: #262d36;
  --dark-surface: #1e242c;
  --dark-light: #353e4b;
  --dark-card: #2e3641;
  
  --text-main: #42474c;
  --text-dark: #262d36;
  --text-muted: #899296;
  --text-light: #ffffff;
  
  --bg-white: #ffffff;
  --bg-light: #f7f7f7;
  --bg-surface: #f2f4f7;
  
  --border-color: #d7dce1;
  --border-light: #edf0f3;
  --border-dark: #3c4654;
  
  --font-headings: 'Poppins', sans-serif;
  --font-body: 'Lato', sans-serif;
  
  --shadow-sm: 0 2px 6px rgba(38, 45, 54, 0.04);
  --shadow-md: 0 8px 24px rgba(38, 45, 54, 0.07);
  --shadow-lg: 0 16px 36px rgba(38, 45, 54, 0.11);
  --transition: all 0.3s ease-in-out;
  --radius-sm: 2px;
  --radius-md: 4px;
  --radius-lg: 6px;
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-weight: 300;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-main);
  background-color: var(--bg-white);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  -webkit-font-smoothing: antialiased;
}

main {
  flex: 1 0 auto;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* Center standalone images without float / text wrap */
img:not([style*="float"]):not(.alignleft):not(.alignright):not(.float-left):not(.float-right):not(.logo-img):not(.partner-logo-img):not(.author-avatar-img):not(.testi-avatar-img):not(.testi-avatar) {
  margin-left: auto;
  margin-right: auto;
}

/* Floating alignment helper classes */
img.alignleft, .float-left {
  float: left;
  margin: 0.5rem 1.8rem 1.2rem 0;
}

img.alignright, .float-right {
  float: right;
  margin: 0.5rem 0 1.2rem 1.8rem;
}

img.aligncenter {
  display: block;
  margin-left: auto;
  margin-right: auto;
}

a {
  color: var(--text-dark);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--primary);
}

ul, ol {
  list-style-position: inside;
}

/* Typography Hierarchy - STRICTLY NO PERIODS AT END OF h1, h2, h3 */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-headings);
  color: var(--text-dark);
  font-weight: 500;
  line-height: 1.25;
  margin-bottom: 0.8rem;
}

h1 {
  font-size: 30px;
  font-weight: 600;
}

h2 {
  font-size: 26px;
  font-weight: 600;
  margin-top: 1.8rem;
  margin-bottom: 1rem;
}

h3 {
  font-size: 20px;
  font-weight: 600;
  margin-top: 1.4rem;
  margin-bottom: 0.75rem;
}

h4 {
  font-size: 17px;
  font-weight: 600;
  margin-top: 1.1rem;
  margin-bottom: 0.5rem;
}

p {
  margin-bottom: 1.2rem;
  line-height: 1.7;
}

.lead {
  font-size: 1.12rem;
  font-weight: 300;
  line-height: 1.75;
  color: #3b4249;
  margin-bottom: 1.5rem;
}

/* Container - widened by 20% */
.container {
  width: 100%;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.container-narrow {
  max-width: 1080px;
}

/* Common Section Headers (Addendum convention: Uppercase subtitle in Poppins 13px + Poppins 30px Title) */
.section {
  padding: 80px 0;
}

.section-title-wrap {
  text-align: center;
  margin-bottom: 48px;
}

.section-subtitle {
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  color: var(--primary);
  margin-bottom: 10px;
  display: block;
}

.section-subtitle-top {
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  color: var(--primary);
  margin-bottom: 12px;
}

.section-main-title {
  font-family: var(--font-headings);
  font-size: 30px;
  font-weight: 500;
  color: var(--text-dark);
  line-height: 1.3;
  margin-bottom: 12px;
}

.section-desc {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: var(--text-muted);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Button Appearance Styles (Addendum: Poppins, bronze #b68157, hover #dca77d, radius 2px) */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 14px 30px;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  line-height: 1;
}

.btn-primary {
  background-color: var(--primary);
  color: #ffffff;
  border-color: var(--primary);
}

.btn-primary:hover {
  background-color: var(--primary-hover);
  border-color: var(--primary-hover);
  color: #ffffff;
}

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

.btn-outline:hover {
  background-color: var(--primary);
  border-color: var(--primary);
  color: #ffffff;
}

.btn-outline-white {
  background-color: transparent;
  color: #ffffff;
  border-color: #ffffff;
}

.btn-outline-white:hover {
  background-color: #ffffff;
  color: var(--dark);
}

.btn-sm {
  font-size: 11px;
  padding: 10px 18px;
}

.btn-header {
  font-size: 12px;
  padding: 11px 22px;
  background-color: var(--primary);
  color: #ffffff;
  border-radius: 2px;
}

.btn-header:hover {
  background-color: var(--primary-hover);
  color: #ffffff;
}

/* ========================================================
   TOP PANEL (Addendum: White background, 13px, border-bottom)
   ======================================================== */
.top-panel {
  background-color: var(--bg-white);
  color: var(--text-main);
  font-family: var(--font-headings);
  font-size: 13px;
  border-bottom: 1px solid var(--border-light);
  padding: 10px 0;
}

.top-panel__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.top-panel__contacts {
  display: flex;
  align-items: center;
  gap: 24px;
}

.top-panel__item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--text-main);
  transition: var(--transition);
}

.top-panel__item:hover {
  color: var(--primary);
}

.top-panel__icon {
  color: var(--primary);
  flex-shrink: 0;
}

.top-panel__social {
  display: flex;
  align-items: center;
  gap: 12px;
}

.top-panel__social-label {
  font-size: 12px;
  color: var(--text-muted);
  margin-right: 4px;
}

.top-panel__social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  color: var(--text-muted);
  background-color: var(--bg-light);
  transition: var(--transition);
}

.top-panel__social-link:hover {
  color: #ffffff;
  background-color: var(--primary);
}

/* ========================================================
   MAIN SITE HEADER (Addendum: Sticky, White, 80px)
   ======================================================== */
.site-header {
  background-color: var(--bg-white);
  box-shadow: 0 2px 10px rgba(0,0,0,0.04);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

.header-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.logo-link {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-emblem {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-family: var(--font-headings);
  font-size: 22px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.1;
  letter-spacing: -0.3px;
}

.logo-title span {
  color: var(--primary);
}

.logo-subtitle {
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  font-weight: 600;
}

.main-nav {
  display: flex;
  align-items: center;
}

.nav-list {
  display: flex;
  list-style: none;
  gap: 24px;
  align-items: center;
}

.nav-item {
  position: relative;
}

.nav-link {
  font-family: var(--font-headings);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-dark);
  padding: 26px 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.dropdown-caret {
  color: var(--text-muted);
  transition: transform 0.25s ease;
}

.nav-link:hover, .nav-item.active .nav-link, .nav-link.active {
  color: var(--primary);
}

.nav-link:hover .dropdown-caret, .nav-item.active .dropdown-caret {
  color: var(--primary);
}

.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  background-color: var(--bg-white);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  border: 1px solid var(--border-light);
  border-top: 3px solid var(--primary);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  min-width: 270px;
  padding: 10px 0;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: var(--transition);
  z-index: 100;
}

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

.dropdown-link {
  display: block;
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 400;
  color: var(--text-main);
  padding: 9px 22px;
  transition: var(--transition);
}

.dropdown-link:hover {
  background-color: var(--primary-light);
  color: var(--primary);
  padding-left: 26px;
}

.header-action {
  display: block;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px;
}

.mobile-toggle-box {
  width: 26px;
  height: 20px;
  display: inline-block;
  position: relative;
}

.mobile-toggle-inner, .mobile-toggle-inner::before, .mobile-toggle-inner::after {
  width: 26px;
  height: 2px;
  background-color: var(--text-dark);
  position: absolute;
  transition: var(--transition);
}

.mobile-toggle-inner {
  top: 9px;
}

.mobile-toggle-inner::before {
  content: "";
  top: -8px;
}

.mobile-toggle-inner::after {
  content: "";
  top: 8px;
}

.mobile-toggle.active .mobile-toggle-inner {
  background-color: transparent;
}

.mobile-toggle.active .mobile-toggle-inner::before {
  transform: translateY(8px) rotate(45deg);
  background-color: var(--primary);
}

.mobile-toggle.active .mobile-toggle-inner::after {
  transform: translateY(-8px) rotate(-45deg);
  background-color: var(--primary);
}

/* ========================================================
   JET BREADCRUMBS BAR (Addendum: #f7f7f7, Poppins 30px title)
   ======================================================== */
.jet-breadcrumbs-section {
  background-color: var(--bg-light);
  border-bottom: 1px solid var(--border-light);
  padding: 34px 0 30px;
}

.jet-breadcrumbs-wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.jet-breadcrumbs-title {
  font-family: var(--font-headings);
  font-size: 28px;
  font-weight: 500;
  color: var(--text-dark);
  margin: 0;
  line-height: 1.25;
}

.jet-breadcrumbs-nav {
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 400;
}

.jet-breadcrumbs-list {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  list-style: none;
}

.jet-breadcrumbs-item a {
  color: var(--text-muted);
}

.jet-breadcrumbs-item a:hover {
  color: var(--primary);
}

.jet-breadcrumbs-sep {
  color: var(--border-color);
}

.jet-breadcrumbs-current {
  color: var(--text-dark);
  font-weight: 600;
}

/* ========================================================
   1. HERO SLIDER BANNER (Addendum jet-slider style)
   ======================================================== */
.jet-slider-hero {
  position: relative;
  background-size: cover;
  background-position: center center;
  min-height: 560px;
  display: flex;
  align-items: center;
}

.jet-slider-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(38, 45, 54, 0.86) 0%, rgba(38, 45, 54, 0.72) 100%);
  z-index: 1;
}

.jet-slider-content-wrap {
  position: relative;
  z-index: 2;
  padding: 90px 1.5rem 110px;
}

.jet-slider-content {
  max-width: 760px;
}

.hero-title {
  margin-bottom: 20px;
}

.hero-title-main {
  font-family: var(--font-headings);
  font-size: 46px;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.15;
  display: block;
}

.hero-title-accent {
  font-family: var(--font-headings);
  font-size: 46px;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.15;
  display: block;
  margin-top: 4px;
}

.hero-desc {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  color: #ffffff;
  line-height: 1.7;
  margin-bottom: 34px;
  opacity: 0.92;
}

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

/* ========================================================
   2. 4-COLUMN QUICK FACTS BAR (Addendum 40ffae8)
   ======================================================== */
.quick-facts-bar {
  position: relative;
  z-index: 10;
  margin-top: -50px;
}

.quick-facts-grid {
  background-color: var(--bg-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 30px 24px;
}

.quick-fact-col {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 0 20px;
  border-right: 1px solid var(--border-light);
}

.quick-fact-col:last-child {
  border-right: none;
}

.quick-fact-icon {
  color: var(--text-dark);
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.quick-fact-info {
  display: flex;
  flex-direction: column;
}

.quick-fact-sub {
  font-family: var(--font-headings);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--text-muted);
  line-height: 1.2;
  margin-bottom: 4px;
}

.quick-fact-main {
  font-family: var(--font-headings);
  font-size: 22px;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.2;
}

/* ========================================================
   3. SERVICES FLIP BOXES (Addendum jet-animated-box)
   ======================================================== */
.section-services {
  background-color: var(--bg-white);
}

.services-flip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.flip-box {
  background-color: transparent;
  height: 330px;
  perspective: 1000px;
}

.flip-box__inner {
  position: relative;
  width: 100%;
  height: 100%;
  text-align: left;
  transition: transform 0.6s cubic-bezier(0.4, 0.2, 0.2, 1);
  transform-style: preserve-3d;
}

.flip-box:hover .flip-box__inner {
  transform: rotateY(180deg);
}

.flip-box__front, .flip-box__back {
  position: absolute;
  width: 100%;
  height: 100%;
  -webkit-backface-visibility: hidden;
  backface-visibility: hidden;
  border-radius: var(--radius-sm);
  padding: 36px 30px;
  box-sizing: border-box;
}

.flip-box__front {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03);
  display: flex;
  flex-direction: column;
}

.flip-box__icon {
  color: var(--text-dark);
  margin-bottom: 18px;
}

.flip-box__title {
  font-family: var(--font-headings);
  font-size: 19px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-dark);
  margin: 0;
  line-height: 1.3;
}

.flip-box__num {
  color: var(--border-color);
}

.flip-box__divider {
  width: 64px;
  height: 1px;
  background-color: var(--border-color);
  margin: 14px 0 16px;
}

.flip-box__text {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 300;
  color: var(--text-main);
  line-height: 1.6;
  margin: 0;
}

.flip-box__back {
  background-color: var(--dark);
  color: #ffffff;
  transform: rotateY(180deg);
  display: flex;
  flex-direction: column;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.15);
}

.flip-box__icon-back {
  color: #ffffff;
}

.flip-box__title-back {
  font-family: var(--font-headings);
  font-size: 19px;
  font-weight: 600;
  text-transform: uppercase;
  color: #ffffff;
  margin: 0;
  line-height: 1.3;
}

.flip-box__divider-back {
  background-color: rgba(255, 255, 255, 0.3);
}

.flip-box__text-back {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 300;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
  margin-bottom: auto;
}

.btn-flip {
  align-self: flex-start;
  font-size: 11px;
  padding: 10px 18px;
  background-color: var(--primary);
  color: #ffffff;
  border-radius: var(--radius-sm);
  margin-top: 14px;
}

.btn-flip:hover {
  background-color: var(--primary-hover);
  color: #ffffff;
}

/* ========================================================
   4. TWO-COLUMN FEATURE & CALCULATOR (Addendum "Speed Up")
   ======================================================== */
.section-calculator {
  background-color: var(--bg-light);
}

.calc-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 40px;
  align-items: center;
}

.feature-left-card {
  background-color: var(--bg-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.feature-img-wrap {
  position: relative;
  height: 240px;
  overflow: hidden;
}

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

.feature-badge {
  position: absolute;
  bottom: 16px;
  left: 16px;
  background-color: var(--dark);
  color: #ffffff;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 8px;
}

.feature-badge-num {
  font-family: var(--font-headings);
  font-size: 16px;
  font-weight: 700;
  color: var(--primary);
}

.feature-badge-text {
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 500;
}

.feature-card-content {
  padding: 28px;
}

.feature-card-title {
  font-size: 20px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 0;
  margin-bottom: 16px;
}

.feature-check-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.feature-check-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--text-main);
  line-height: 1.5;
}

.feature-check-bullet {
  color: var(--primary);
  font-weight: 700;
  font-size: 16px;
}

/* Calculator Panel */
.calc-panel {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.calc-lead-text {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.calc-inputs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

.calc-form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.calc-label {
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
}

.calc-input, .calc-select {
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-dark);
  padding: 11px 14px;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  background-color: #ffffff;
  outline: none;
  transition: var(--transition);
}

.calc-input:focus, .calc-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px var(--primary-subtle);
}

.calc-result-box {
  background-color: var(--dark);
  color: #ffffff;
  padding: 24px;
  border-radius: var(--radius-sm);
}

.calc-result-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding-bottom: 14px;
  margin-bottom: 16px;
}

.calc-result-caption {
  font-family: var(--font-headings);
  font-size: 14px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-muted);
}

.calc-result-total {
  font-family: var(--font-headings);
  font-size: 28px;
  font-weight: 700;
  color: var(--primary);
}

.calc-result-subgrid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.calc-subcol {
  display: flex;
  flex-direction: column;
}

.calc-subcol-title {
  font-size: 12px;
  color: var(--text-muted);
  margin-bottom: 2px;
}

.calc-subcol-val {
  font-family: var(--font-headings);
  font-size: 16px;
  font-weight: 600;
  color: #ffffff;
}

.calc-subcol-profit {
  color: var(--primary-hover);
}

/* ========================================================
   5. 4-COLUMN COUNTERS SECTION (Addendum af1387e)
   ======================================================== */
.section-counters {
  background-color: var(--bg-light);
  padding: 70px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.counters-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  text-align: center;
}

.counter-card {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.counter-icon-wrap {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  border: 2px solid var(--primary);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  background-color: var(--bg-white);
}

.counter-number {
  font-family: var(--font-headings);
  font-size: 38px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.1;
  margin-bottom: 6px;
}

.counter-label {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 400;
  color: var(--text-muted);
}

/* ========================================================
   6. TIMELINE ROADMAP SECTION (Addendum "Step 1, Step 2, Step 3")
   ======================================================== */
.section-timeline {
  background-color: var(--bg-white);
}

.timeline-process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.timeline-step-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--primary);
  border-radius: var(--radius-sm);
  padding: 32px 28px;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03);
  transition: var(--transition);
}

.timeline-step-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.07);
}

.timeline-step-badge {
  font-family: var(--font-headings);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  background-color: var(--primary);
  color: #ffffff;
  padding: 4px 12px;
  border-radius: 2px;
  display: inline-block;
  letter-spacing: 1px;
  margin-bottom: 14px;
}

.timeline-step-title {
  font-family: var(--font-headings);
  font-size: 19px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 0;
  margin-bottom: 10px;
}

.timeline-step-text {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 300;
  color: var(--text-main);
  line-height: 1.6;
  margin: 0;
}

/* ========================================================
   7. TESTIMONIALS SECTION (Addendum "WHAT PEOPLE SAY" with notch)
   ======================================================== */
.section-testimonials {
  background-color: var(--bg-white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.testi-item {
  display: flex;
  flex-direction: column;
}

.testi-card {
  background-color: var(--bg-light);
  border-radius: var(--radius-sm);
  padding: 34px 28px;
  position: relative;
  margin-bottom: 26px;
}

.testi-quote {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  font-style: italic;
  color: var(--text-main);
  line-height: 1.7;
  margin: 0;
}

.testi-card-notch {
  position: absolute;
  bottom: -12px;
  left: 45px;
  width: 0;
  height: 0;
  border-style: solid;
  border-width: 12px 12px 0 12px;
  border-color: var(--bg-light) transparent transparent transparent;
}

.testi-author-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding-left: 20px;
}

.testi-avatar {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  border: 2px solid var(--border-light);
  object-fit: cover;
  flex-shrink: 0;
}

.testi-author-info {
  display: flex;
  flex-direction: column;
}

.testi-author-name {
  font-family: var(--font-headings);
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-dark);
  margin-bottom: 2px;
}

.testi-author-role {
  font-family: var(--font-body);
  font-size: 13px;
  color: var(--text-muted);
}

/* ========================================================
   8. BLOG GRID SECTION (Addendum "OUR BLOG")
   ======================================================== */
.section-blog {
  background-color: var(--bg-light);
}

.posts-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.post-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03);
  display: flex;
  flex-direction: column;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.post-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.08);
}

.post-thumb {
  position: relative;
  overflow: hidden;
  height: 220px;
}

.post-thumb-link {
  display: block;
  width: 100%;
  height: 100%;
}

.post-thumb-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.post-card:hover .post-thumb-img {
  transform: scale(1.06);
}

.post-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background-color: var(--primary);
  color: #ffffff;
  font-family: var(--font-headings);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 4px 10px;
  border-radius: 2px;
  z-index: 2;
}

.post-content {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.post-meta {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-headings);
  font-size: 12px;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.post-meta-sep {
  color: var(--border-color);
}

.post-title {
  font-family: var(--font-headings);
  font-size: 18px;
  font-weight: 600;
  line-height: 1.35;
  margin-top: 0;
  margin-bottom: 12px;
}

.post-title a {
  color: var(--text-dark);
}

.post-title a:hover {
  color: var(--primary);
}

.post-excerpt {
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 300;
  color: var(--text-main);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.post-footer {
  margin-top: auto;
  border-top: 1px solid var(--border-light);
  padding-top: 14px;
}

.btn-post-link {
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.btn-post-link:hover {
  color: var(--primary-dark);
  gap: 10px;
}

/* ========================================================
   9. PARTNER INSTITUTIONS ROW (Addendum grow animation)
   ======================================================== */
.section-partners {
  background-color: var(--bg-white);
  padding: 48px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.partners-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  align-items: center;
}

.partner-logo-box {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px;
  filter: grayscale(80%);
  opacity: 0.75;
  transition: var(--transition);
}

.partner-logo-box:hover {
  filter: grayscale(0%);
  opacity: 1;
  transform: scale(1.06);
}

.partner-logo-img {
  max-height: 48px;
  width: auto;
}

/* ========================================================
   10. NEWSLETTER BAR (Addendum "Stay Always In Touch")
   ======================================================== */
.section-newsletter {
  background-color: var(--dark);
  padding: 60px 0;
  color: #ffffff;
}

.newsletter-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}

.newsletter-text {
  max-width: 580px;
}

.newsletter-subtitle {
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  color: var(--primary);
  margin-bottom: 8px;
}

.newsletter-title {
  font-family: var(--font-headings);
  font-size: 26px;
  font-weight: 600;
  color: #ffffff;
  line-height: 1.3;
  margin-top: 0;
  margin-bottom: 8px;
}

.newsletter-desc {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 300;
  color: #abb3bd;
  line-height: 1.6;
  margin: 0;
}

.newsletter-form {
  display: flex;
  gap: 10px;
  flex-grow: 1;
  max-width: 440px;
}

.newsletter-input {
  flex-grow: 1;
  padding: 13px 18px;
  font-family: var(--font-body);
  font-size: 14px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 255, 255, 0.2);
  outline: none;
  background-color: #ffffff;
}

.newsletter-input:focus {
  border-color: var(--primary);
}

.btn-newsletter {
  white-space: nowrap;
}

/* ========================================================
   11. FAQ ACCORDION SECTION
   ======================================================== */
.section-faq {
  background-color: var(--bg-white);
}

.faq-list {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  background-color: var(--bg-white);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--primary);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-headings);
  font-size: 16px;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: var(--transition);
}

.faq-item.active .faq-question {
  color: var(--primary);
  background-color: var(--primary-light);
}

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background-color: var(--bg-light);
  color: var(--text-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 400;
  flex-shrink: 0;
  transition: var(--transition);
}

.faq-item.active .faq-icon {
  background-color: var(--primary);
  color: #ffffff;
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  padding: 0 24px;
}

.faq-item.active .faq-answer {
  padding: 16px 24px 22px;
}

.faq-answer p {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 300;
  line-height: 1.7;
  color: var(--text-main);
  margin: 0;
}

/* ========================================================
   12. 4-COLUMN FOOTER (Addendum Footer)
   ======================================================== */
.site-footer {
  background-color: var(--dark);
  color: #abb3bd;
  margin-top: auto;
}

.footer-main {
  padding: 70px 1.5rem 50px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1.3fr 1fr 1.3fr;
  gap: 40px;
}

.footer-subtitle {
  font-family: var(--font-headings);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  color: var(--primary);
  margin-bottom: 22px;
}

.footer-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 12px;
}

.footer-icon {
  color: var(--primary);
  flex-shrink: 0;
  margin-top: 3px;
}

.footer-letter {
  font-family: var(--font-headings);
  font-weight: 700;
  color: var(--primary);
}

.footer-item a {
  color: #abb3bd;
}

.footer-item a:hover {
  color: #ffffff;
}

.footer-note {
  font-size: 13px;
  line-height: 1.6;
  color: #7e8790;
  margin-top: 14px;
}

.footer-social-row {
  display: flex;
  gap: 10px;
  margin-bottom: 20px;
}

.footer-social-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  transition: var(--transition);
}

.footer-social-btn:hover {
  background-color: var(--primary);
  color: #ffffff;
  transform: translateY(-2px);
}

.footer-quick-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-quick-links a {
  font-size: 13px;
  color: #abb3bd;
}

.footer-quick-links a:hover {
  color: var(--primary);
}

.footer-copy-text {
  font-size: 13px;
  line-height: 1.6;
  margin-bottom: 14px;
}

.footer-links-block {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-legal-link {
  font-size: 13px;
  color: #abb3bd;
}

.footer-legal-link:hover {
  color: var(--primary);
}

.footer-disclaimer-strip {
  background-color: var(--dark-surface);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 22px 0;
}

.footer-disclaimer {
  font-size: 12px;
  line-height: 1.65;
  color: #717c88;
  margin: 0;
  text-align: justify;
}

/* ========================================================
   INTERIOR PAGES: CATEGORY HUBS, ARTICLES, CONTACTS
   ======================================================== */
.section-hub-lead {
  background-color: var(--bg-white);
  padding: 40px 0 20px;
}

.hub-lead-box {
  background-color: var(--bg-light);
  border-left: 4px solid var(--primary);
  padding: 30px 34px;
  border-radius: var(--radius-sm);
}

.hub-badge {
  font-family: var(--font-headings);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--primary);
  letter-spacing: 1.5px;
  margin-bottom: 8px;
  display: inline-block;
}

.hub-main-title {
  font-size: 24px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 0;
  margin-bottom: 10px;
}

.hub-desc {
  font-size: 16px;
  font-weight: 300;
  line-height: 1.7;
  color: var(--text-main);
  margin: 0;
}

/* Article Page Layout */
.article-header {
  background-color: var(--bg-white);
  padding: 40px 0 24px;
  border-bottom: 1px solid var(--border-light);
}

.article-category-badge {
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--primary);
  margin-bottom: 12px;
  display: inline-block;
}

.article-main-title {
  font-size: 32px;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 1.25;
  margin-top: 0;
  margin-bottom: 14px;
}

.article-meta-row {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-family: var(--font-headings);
  font-size: 13px;
  color: var(--text-muted);
}

.article-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  padding: 48px 0 80px;
}

.article-body {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  line-height: 1.75;
  color: var(--text-main);
}

.article-body h2 {
  font-size: 24px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 2rem;
  margin-bottom: 1rem;
}

.article-body h3 {
  font-size: 20px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 1.6rem;
  margin-bottom: 0.75rem;
}

.article-body p {
  margin-bottom: 1.3rem;
}

.article-lead {
  font-size: 18px;
  font-weight: 300;
  line-height: 1.7;
  color: #262d36;
  background-color: var(--bg-light);
  border-left: 4px solid var(--primary);
  padding: 22px 26px;
  border-radius: var(--radius-sm);
  margin-bottom: 2rem;
}

.article-body blockquote {
  font-family: var(--font-body);
  font-style: italic;
  font-size: 17px;
  line-height: 1.7;
  color: var(--text-dark);
  background-color: var(--bg-light);
  border-left: 4px solid var(--primary);
  padding: 20px 24px;
  margin: 1.8rem 0;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  font-size: 14px;
}

.article-body th {
  background-color: var(--dark);
  color: #ffffff;
  font-family: var(--font-headings);
  font-weight: 600;
  text-align: left;
  padding: 12px 16px;
}

.article-body td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border-color);
  color: var(--text-main);
}

.article-body tr:nth-child(even) td {
  background-color: var(--bg-light);
}

.article-body ul, .article-body ol {
  margin-bottom: 1.4rem;
  padding-left: 1.2rem;
}

.article-body li {
  margin-bottom: 0.5rem;
}

.decision-card {
  border-radius: var(--radius-sm);
  padding: 24px 26px;
  margin: 2rem 0;
}

.decision-card-info {
  background-color: var(--primary-light);
  border: 1px solid rgba(182, 129, 87, 0.3);
  border-left: 4px solid var(--primary);
}

.decision-title {
  font-family: var(--font-headings);
  font-size: 17px;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}

/* Article Large Image Containers - Centered without wrap */
.article-image-box {
  margin: 2.2rem auto;
  text-align: center;
  max-width: 100%;
}

.article-image-box:not(.alignleft):not(.alignright):not([style*="float"]) {
  margin-left: auto;
  margin-right: auto;
}

.article-image-box img {
  display: block;
  margin: 0 auto;
  max-width: 100%;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
}

.article-image-caption {
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 10px;
  font-style: italic;
  line-height: 1.5;
}

/* Sidebar Widgets */
.sidebar-widget {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 26px;
  margin-bottom: 28px;
  box-shadow: var(--shadow-sm);
}

.widget-title {
  font-family: var(--font-headings);
  font-size: 18px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 0;
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-light);
}

.sidebar-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.sidebar-link-item a {
  font-family: var(--font-headings);
  font-size: 14px;
  color: var(--text-main);
  line-height: 1.4;
  display: block;
}

.sidebar-link-item a:hover {
  color: var(--primary);
  padding-left: 4px;
}

/* Contact Page Styles */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: flex-start;
}

.contact-info-card, .contact-form-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.contact-heading {
  font-size: 24px;
  font-weight: 600;
  margin-top: 0;
  margin-bottom: 20px;
}

.contact-item-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 20px;
}

.contact-item-icon {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background-color: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-item-title {
  font-family: var(--font-headings);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-muted);
}

.contact-item-value {
  font-size: 15px;
  color: var(--text-dark);
  margin-top: 2px;
}

.contact-notice-box {
  background-color: var(--bg-light);
  border-left: 4px solid var(--primary);
  padding: 16px 20px;
  border-radius: 2px;
  margin-top: 24px;
}

.contact-notice-box p {
  font-size: 13px;
  color: var(--text-main);
  margin: 0;
  line-height: 1.6;
}

.contact-form-intro {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 20px;
}

/* Privacy Policy Layout */
.privacy-intro-box {
  background-color: var(--bg-light);
  border-left: 4px solid var(--primary);
  padding: 24px 28px;
  border-radius: 2px;
  margin-bottom: 28px;
}

.privacy-lead {
  font-size: 16px;
  color: var(--text-dark);
  margin: 0;
  line-height: 1.7;
}

/* ========================================================
   RESPONSIVE MEDIA QUERIES (Mobile & Tablet)
   ======================================================== */
@media (max-width: 1024px) {
  .quick-facts-grid {
    grid-template-columns: repeat(2, 1fr);
    row-gap: 20px;
  }
  
  .quick-fact-col:nth-child(2) {
    border-right: none;
  }
  
  .services-flip-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .calc-feature-grid {
    grid-template-columns: 1fr;
  }
  
  .counters-grid {
    grid-template-columns: repeat(2, 1fr);
    row-gap: 30px;
  }
  
  .testimonials-grid {
    grid-template-columns: 1fr;
    max-width: 600px;
    margin: 0 auto;
  }
  
  .posts-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    row-gap: 36px;
  }
  
  .article-layout {
    grid-template-columns: 1fr;
  }
  
  .contact-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .top-panel {
    display: none;
  }
  
  .site-header {
    height: 70px;
  }
  
  .header-wrap {
    height: 70px;
  }
  
  .header-action {
    display: none;
  }
  
  .mobile-toggle {
    display: block;
  }
  
  .main-nav {
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: var(--bg-white);
    padding: 24px;
    overflow-y: auto;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
  }
  
  .main-nav.active {
    display: flex;
  }
  
  .nav-list {
    flex-direction: column;
    width: 100%;
    gap: 0;
  }
  
  .nav-item {
    width: 100%;
    border-bottom: 1px solid var(--border-light);
  }
  
  .nav-link {
    width: 100%;
    padding: 16px 0;
    justify-content: space-between;
  }
  
  .nav-dropdown {
    position: static;
    box-shadow: none;
    border: none;
    border-left: 2px solid var(--primary);
    border-radius: 0;
    padding: 0 0 10px 14px;
    display: none;
    opacity: 1;
    visibility: visible;
    transform: none;
  }
  
  .nav-item.open .nav-dropdown {
    display: block;
  }
  
  .hero-title-main, .hero-title-accent {
    font-size: 32px;
  }
  
  .quick-facts-bar {
    margin-top: -30px;
  }
  
  .quick-facts-grid {
    grid-template-columns: 1fr;
    row-gap: 16px;
    padding: 20px 16px;
  }
  
  .quick-fact-col {
    border-right: none;
    border-bottom: 1px solid var(--border-light);
    padding-bottom: 14px;
  }
  
  .quick-fact-col:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }
  
  .services-flip-grid {
    grid-template-columns: 1fr;
  }
  
  .calc-inputs-grid {
    grid-template-columns: 1fr;
  }
  
  .calc-result-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
  
  .timeline-process-grid {
    grid-template-columns: 1fr;
  }
  
  .posts-grid {
    grid-template-columns: 1fr;
  }
  
  .partners-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .newsletter-wrap {
    flex-direction: column;
    align-items: flex-start;
  }
  
  .newsletter-form {
    width: 100%;
    max-width: 100%;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
}