:root{
    --navy: #123044;
    --navy-deep: #071923;
    --navy-mid: #17415a;
    --gold: #e0a72f;
    --gold-soft: #ffe0a3;
    --teal: #008977;
    --coral: #d84b4b;
    --paper: #f5f8fb;
    --paper-dim: #e8eef5;
    --card: #ffffff;
    --ink: #172331;
    --ink-soft: #4b5c6f;
    --ink-faint: #7a8898;
    --line: rgba(18,48,68,0.14);
    --white: #ffffff;
    --shadow: 0 18px 42px -22px rgba(7,25,35,0.34);
  }

  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}

  body{
    font-family:'Open Sans', sans-serif;
    background:
      linear-gradient(180deg, #ffffff 0%, var(--paper) 36%, #eef6f4 100%);
    color:var(--ink);
    line-height:1.6;
    font-size:16px;
  }

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

  /* ===== HEADER ===== */
  header.site-header{
    background:rgba(7,25,35,0.96);
    backdrop-filter:blur(14px);
    position:sticky;
    top:0;
    z-index:60;
    border-bottom:1px solid rgba(255,255,255,0.1);
    box-shadow:0 10px 24px rgba(7,25,35,0.16);
  }
  .header-inner{
    max-width:1280px;
    margin:0 auto;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:10px 28px;
    gap:24px;
  }
  .logo-wrap{
    display:inline-flex;
    align-items:center;
    padding:7px 12px;
    border-radius:8px;
    background:rgba(255,255,255,0.96);
    box-shadow:0 6px 18px rgba(0,0,0,0.16);
  }
  .logo-wrap img{ height:54px; width:auto; }
  nav.main-nav ul{ display:flex; gap:10px; }
  nav.main-nav a{
    display:inline-block;
    background:rgba(255,255,255,0.08);
    color:rgba(255,255,255,0.88);
    font-weight:600;
    font-size:0.92rem;
    padding:10px 20px;
    border-radius:6px;
    transition:background .2s ease, transform .2s ease;
  }
  nav.main-nav a:hover{ background:rgba(224,167,47,0.22); color:var(--gold-soft); transform:translateY(-1px); }
  nav.main-nav a.active{ background:var(--gold); color:var(--navy-deep); }
  .header-phone{
    display:inline-flex;
    align-items:center;
    gap:8px;
    flex:0 0 auto;
    padding:9px 14px;
    border:1px solid rgba(224,167,47,0.72);
    border-radius:7px;
    background:rgba(224,167,47,0.1);
    color:var(--gold-soft);
    font-size:0.88rem;
    font-weight:800;
    letter-spacing:0.02em;
    transition:background .2s ease, color .2s ease, transform .2s ease;
  }
  .header-phone svg{ width:17px; height:17px; }
  .header-phone:hover{
    background:var(--gold);
    color:var(--navy-deep);
    transform:translateY(-1px);
  }

  @media (max-width:1100px){
    .header-phone{ display:none; }
  }

  /* ===== BREADCRUMB STRIP ===== */
  .breadcrumb{
    background:#ffffff;
    border-bottom:1px solid var(--line);
    font-family:'Space Mono', monospace;
    font-size:0.74rem;
    letter-spacing:0.02em;
    color:var(--ink-faint);
  }
  .breadcrumb .inner{
    max-width:1280px; margin:0 auto; padding:10px 28px;
  }
  .breadcrumb a{ color:var(--navy); }
  .breadcrumb span.sep{ margin:0 6px; color:var(--ink-faint); }

  .hero .hero-breadcrumb{
    position:absolute;
    inset:0 0 auto;
    z-index:3;
    background:transparent;
    border:0;
    color:rgba(255,255,255,0.72);
    text-shadow:0 1px 8px rgba(0,0,0,0.48);
  }
  .hero .hero-breadcrumb .inner{
    padding:8px 470px 8px 28px;
    overflow:hidden;
    white-space:nowrap;
    text-overflow:ellipsis;
  }
  .hero .hero-breadcrumb a{ color:var(--gold-soft); }
  .hero .hero-breadcrumb span.sep{ color:rgba(255,255,255,0.45); }

  /* ===== HERO ===== */
  .hero{
    position:relative;
    color:var(--white);
    overflow:hidden;
    background:linear-gradient(130deg, var(--navy-deep), #103f46 58%, #26354f);
  }
  .hero-bg{
    position:absolute; inset:0;
    width:100%; height:100%;
    z-index:0;
  }
  .hero-bg img{
    width:100%;
    height:100%;
    object-fit:cover;
    object-position:center right;
    display:block;
    filter:none;
    opacity:1;
    transform:none;
  }
  .hero-overlay{
    position:absolute; inset:0;
    background:
      linear-gradient(90deg, rgba(7,25,35,0.96) 0%, rgba(18,48,68,0.88) 45%, rgba(7,25,35,0.32) 100%),
      linear-gradient(180deg, rgba(7,25,35,0.1), rgba(7,25,35,0.42));
    z-index:1;
  }
  .hero-inner{
    max-width:1280px; margin:0 auto;
    padding:30px 28px 32px;
    display:grid;
    grid-template-columns:minmax(0, 1fr) 410px;
    gap:32px;
    align-items:center;
    position:relative;
    z-index:2;
  }
  .eyebrow{
    display:inline-flex; align-items:center; gap:10px;
    font-family:'Space Mono', monospace;
    font-size:0.82rem; letter-spacing:0.12em; text-transform:uppercase;
    color:#0b5fa5;
    background:#ffffff;
    border:none;
    box-shadow:none;
    padding:9px 18px; border-radius:999px; margin-bottom:22px;
    font-weight:700;
  }
  .eyebrow::before{ content:""; width:8px; height:8px; border-radius:50%; background:#0b5fa5; display:inline-block; }
  .hero .banner-title{
    font-family:'Roboto', sans-serif;
    font-weight:700;
    font-size:clamp(2.05rem, 3.7vw, 3.25rem);
    line-height:1.12;
    letter-spacing:0;
    margin-bottom:18px;
    max-width:17ch;
  }
  .hero .banner-title{
    font-size:clamp(2.25rem, 4vw, 3.5rem);
    max-width:24ch;
  }
  .hero .banner-title em{ font-style:italic; color:var(--gold-soft); }
  .hero p.lede{
    font-size:1.05rem; color:#dcebf0; max-width:56ch; margin-bottom:28px;
  }
  .hero-cta{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:30px; }
  .btn-primary, .btn-ghost{
    display:inline-flex; align-items:center; gap:8px;
    padding:13px 22px; border-radius:8px; font-weight:700; font-size:0.92rem;
    transition:transform .15s ease, background .2s ease, box-shadow .2s ease;
  }
  .btn-primary{ background:linear-gradient(135deg, var(--gold), #f3c55f); color:var(--navy-deep); box-shadow:0 14px 30px rgba(224,167,47,0.26); }
  .btn-primary:hover{ transform:translateY(-2px); box-shadow:0 18px 34px rgba(224,167,47,0.34); }
  .btn-ghost{ border:1.5px solid rgba(255,255,255,0.35); color:var(--white); }
  .btn-ghost:hover{ border-color:var(--gold-soft); background:rgba(255,255,255,0.08); transform:translateY(-2px); }
  .hero-meta{ display:flex; gap:30px; flex-wrap:wrap; padding-top:22px; border-top:1px solid rgba(255,255,255,0.18); }
  .hero-meta .stat-num{ font-family:'Open Sans', sans-serif; font-size:1.5rem; color:var(--gold-soft); font-weight:700; }
  .hero-meta .stat-label{ font-family:'Space Mono', monospace; font-size:0.7rem; letter-spacing:0.05em; text-transform:uppercase; color:#b8d8dd; }

  .hero .form-card{ position:relative; }

  /* ===== EDUCATION GUIDE INDEX ===== */
  .guide-index{
    background:
      linear-gradient(180deg, #ffffff 0%, var(--paper) 44%, #edf6f3 100%);
  }
  .index-hero{
    position:relative;
    min-height:420px;
    overflow:hidden;
    color:#fff;
    background:var(--navy-deep);
    isolation:isolate;
  }
  .index-hero-bg,
  .index-hero-bg img{
    position:absolute;
    inset:0;
    width:100%;
    height:100%;
  }
  .index-hero-bg img{
    object-fit:cover;
    object-position:center right;
    transform:scale(1.02);
  }
  .index-hero-overlay{
    position:absolute;
    inset:0;
    background:
      linear-gradient(90deg, rgba(7,25,35,0.98) 0%, rgba(12,44,59,0.9) 44%, rgba(7,25,35,0.2) 100%),
      linear-gradient(180deg, rgba(7,25,35,0.05), rgba(7,25,35,0.62));
  }
  .index-hero-inner{
    position:relative;
    z-index:2;
    max-width:1280px;
    margin:0 auto;
    padding:28px 28px 58px;
  }
  .index-breadcrumb{
    margin-bottom:48px;
    font-family:'Space Mono', monospace;
    font-size:0.74rem;
    letter-spacing:0.02em;
    color:rgba(255,255,255,0.72);
  }
  .index-breadcrumb a{ color:var(--gold-soft); }
  .index-breadcrumb span{ padding:0 8px; color:rgba(255,255,255,0.45); }
  .index-hero h1{
    max-width:none;
    margin:0 0 18px;
    font-family:'Roboto', sans-serif;
    font-size:clamp(2.2rem, 4.1vw, 4.15rem);
    line-height:1.04;
    font-weight:900;
    letter-spacing:0;
    text-wrap:balance;
  }
  .index-hero p{
    max-width:none;
    margin:0;
    color:#dcebf0;
    font-size:1.08rem;
    line-height:1.62;
  }
  .index-hero-actions{
    display:none;
  }
  .index-band{
    max-width:1280px;
    margin:0 auto;
    padding:54px 28px 0;
  }
  .featured-copy span,
  .guide-card-body span{
    font-family:'Space Mono', monospace;
    color:var(--teal);
    font-size:0.74rem;
    font-weight:700;
    letter-spacing:0.11em;
    text-transform:uppercase;
  }
  .guide-grid{
    display:grid;
    grid-template-columns:repeat(3, minmax(0, 1fr));
    gap:22px;
    padding-bottom:64px;
  }
  .guide-card{
    overflow:hidden;
    border:1px solid var(--line);
    border-radius:8px;
    background:#fff;
    box-shadow:0 18px 42px -30px rgba(7,25,35,0.36);
    transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  }
  .guide-card:hover{
    transform:translateY(-4px);
    border-color:rgba(0,137,119,0.34);
    box-shadow:0 24px 46px -28px rgba(7,25,35,0.45);
  }
  .guide-card-media{
    display:block;
    aspect-ratio:16/9;
    overflow:hidden;
    background:#d9e7ea;
  }
  .guide-card-media img{
    width:100%;
    height:100%;
    object-fit:cover;
    transition:transform .35s ease;
  }
  .guide-card:hover .guide-card-media img{ transform:scale(1.04); }
  .guide-card-body{
    padding:20px;
  }
  .guide-card-body h3{
    min-height:76px;
    margin:8px 0 10px;
    color:var(--navy-deep);
    font-family:'Roboto', sans-serif;
    font-size:1.22rem;
    line-height:1.25;
  }
  .guide-card-body p{
    min-height:96px;
    color:var(--ink-soft);
    font-size:0.94rem;
  }
  .guide-card-date{
    display:block;
    margin-top:14px;
    color:#758498;
    font-size:0.9rem;
    font-weight:700;
  }
  .guide-card-link{
    display:inline-flex;
    margin-top:16px;
    color:var(--teal);
    font-weight:800;
    font-size:0.92rem;
  }

  @media (max-width:980px){
    .guide-grid{ grid-template-columns:repeat(2, minmax(0, 1fr)); }
  }

  @media (max-width:640px){
    .index-hero{ min-height:auto; }
    .index-hero-inner{ padding:22px 18px 44px; }
    .index-breadcrumb{ margin-bottom:38px; }
    .index-band{ padding:38px 18px 0; }
    .guide-grid{ grid-template-columns:1fr; gap:16px; padding-bottom:42px; }
    .guide-card-body h3,
    .guide-card-body p{ min-height:0; }
  }

  .blog-hero-card{
    display:grid;
    gap:14px;
    align-self:end;
    padding:24px;
    border:1px solid rgba(255,255,255,0.22);
    border-radius:8px;
    background:
      linear-gradient(135deg, rgba(255,224,163,0.16), transparent 48%),
      rgba(7,25,35,0.72);
    backdrop-filter:blur(14px);
    color:#ffffff;
    box-shadow:0 24px 52px -26px rgba(0,0,0,0.6);
  }
  .blog-hero-card .blog-label{
    color:var(--gold-soft);
    font-family:'Space Mono', monospace;
    font-size:0.72rem;
    letter-spacing:0.08em;
    text-transform:uppercase;
  }
  .blog-hero-card ul{
    display:grid;
    gap:10px;
  }
  .blog-hero-card li{
    display:flex;
    gap:10px;
    color:#dcebf0;
    font-size:0.92rem;
    line-height:1.45;
  }
  .blog-hero-card li::before{
    content:"";
    width:8px;
    height:8px;
    margin-top:8px;
    border-radius:50%;
    background:var(--gold);
    flex:0 0 auto;
  }

  /* ===== MAIN LAYOUT ===== */
  .layout{
    max-width:1280px; margin:0 auto;
    padding:52px 28px 90px;
    display:grid;
    grid-template-columns:1fr 320px;
    gap:48px;
    align-items:start;
  }

  .article{ min-width:0; }

  .article h2{
    font-family:'Open Sans', sans-serif;
    font-size:1.65rem;
    color:var(--navy-deep);
    margin:46px 0 16px;
    scroll-margin-top:90px;
    padding-bottom:10px;
    border-bottom:2px solid var(--paper-dim);
    position:relative;
  }
  .article h2::after{
    content:"";
    position:absolute;
    left:0;
    bottom:-2px;
    width:74px;
    height:2px;
    background:linear-gradient(90deg, var(--coral), var(--gold));
  }
  .article h1.article-title{
    font-family:'Open Sans', sans-serif;
    font-size:2rem;
    color:var(--navy-deep);
    margin:0 0 16px;
    padding-bottom:10px;
    border-bottom:2px solid var(--paper-dim);
    position:relative;
  }
  .article h1.article-title::after{
    content:"";
    position:absolute;
    left:0;
    bottom:-2px;
    width:74px;
    height:2px;
    background:linear-gradient(90deg, var(--coral), var(--gold));
  }
  .article h2:first-of-type{ margin-top:0; }
  .article h3{
    font-family:'Open Sans', sans-serif;
    font-size:1.22rem;
    color:var(--navy);
    margin:28px 0 12px;
  }
  .article p{ font-size:1rem; color:#2d3d4f; margin-bottom:16px; }
  .article p.article-lead{
    font-size:1.05rem;
    color:#223648;
    margin-bottom:8px;
  }
  .article table tr.featured-row{ background:#edf8f6; }
  .article ul.checklist{ margin:14px 0 20px; }
  .article ul.checklist li{
    position:relative; padding-left:26px; margin-bottom:9px; color:#2d3d4f; font-size:0.97rem;
  }
  .article ul.checklist li::before{
    content:"✓"; position:absolute; left:0; top:0;
    color:var(--teal); font-weight:700; font-size:0.92rem;
  }
  .article ol{ margin:14px 0 20px 22px; color:#2d3d4f; }
  .article ol li{ margin-bottom:8px; padding-left:4px; }

  .pullquote{
    font-family:'Open Sans', sans-serif; font-style:italic; font-size:1.18rem;
    color:var(--navy); border-left:4px solid var(--coral);
    padding:14px 20px; margin:28px 0;
    background:#ffffff;
    box-shadow:var(--shadow);
  }

  .article-figure{
    margin:26px 0 34px;
    border-radius:8px;
    overflow:hidden;
    background:#ffffff;
    border:1px solid var(--line);
    box-shadow:var(--shadow);
  }
  .article-figure img{
    width:100%;
    aspect-ratio:16 / 7;
    object-fit:cover;
  }
  .article-figure figcaption{
    padding:12px 16px;
    color:var(--ink-soft);
    font-size:0.86rem;
    line-height:1.45;
    background:#ffffff;
  }

  /* ===== TABLES ===== */
  .table-wrap{
    overflow-x:auto;
    margin:18px 0 26px;
    border-radius:8px;
    box-shadow:var(--shadow);
  }
  table{ width:100%; border-collapse:collapse; background:var(--card); font-size:0.92rem; min-width:480px; }
  table caption{ text-align:left; font-family:'Space Mono', monospace; font-size:0.72rem; letter-spacing:0.05em; text-transform:uppercase; color:var(--ink-faint); padding:10px 16px; background:var(--paper-dim); }
  thead th{
    background:linear-gradient(135deg, var(--navy-deep), var(--navy-mid)); color:var(--white); text-align:left;
    font-weight:600; font-size:0.84rem; padding:13px 16px; letter-spacing:0.01em;
  }
  tbody td{ padding:12px 16px; border-bottom:1px solid var(--line); color:#2d3d4f; vertical-align:top; }
  tbody tr:nth-child(even){ background:#f8fbfd; }
  tbody tr:last-child td{ border-bottom:none; }
  tbody tr:hover{ background:#edf8f6; }

  /* ===== TOC ===== */
  .toc h2#on-this-page{
    scroll-margin-top:110px;
  }
  .toc{
    background:var(--card);
    border:1px solid var(--line);
    border-radius:8px;
    padding:22px 22px 18px;
    margin-bottom:36px;
    box-shadow:var(--shadow);
  }
  .toc h2{ margin:0 0 4px !important; border:none !important; padding:0 !important; font-size:1.1rem !important; }
  .toc .toc-sub{ font-size:0.82rem; color:var(--ink-faint); margin-bottom:14px; display:block; }
  .toc ol{ margin:0; padding-left:18px; columns:2; column-gap:24px; }
  .toc ol li{ font-size:0.88rem; margin-bottom:8px; break-inside:avoid; }
  .toc a{ color:var(--navy); font-weight:600; }
  .toc a:hover{ color:var(--teal); text-decoration:underline; text-underline-offset:3px; }

  /* ===== FAQ ACCORDION ===== */
  .faq-item{
    background:var(--card);
    border:1px solid var(--line);
    border-radius:8px;
    margin-bottom:10px;
    overflow:hidden;
  }
  .faq-item summary{
    cursor:pointer;
    list-style:none;
    padding:16px 46px 16px 18px;
    font-weight:600;
    font-size:0.97rem;
    color:var(--navy-deep);
    position:relative;
  }
  .faq-item summary::-webkit-details-marker{ display:none; }
  .faq-item summary::after{
    content:"+";
    position:absolute; right:18px; top:50%; transform:translateY(-50%);
    font-size:1.3rem; color:var(--coral); font-weight:700;
    transition:transform .2s ease;
  }
  .faq-item[open] summary::after{ content:"–"; }
  .faq-item .faq-body{ padding:0 18px 18px; color:#2d3d4f; font-size:0.94rem; }

  /* ===== SIDEBAR ===== */
  .sidebar{ position:sticky; top:92px; display:flex; flex-direction:column; gap:22px; }

  .form-card{
    background:var(--card);
    border-radius:8px;
    padding:0 0 26px;
    box-shadow:0 0 0 1px rgba(255,255,255,0.38), 0 32px 70px -16px rgba(2,9,30,0.62);
    overflow:hidden;
    position:relative;
  }
  .form-card .fc-head{
    background:
      linear-gradient(120deg, rgba(216,75,75,0.28), transparent 38%),
      linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
    padding:22px 24px 20px;
    text-align:center;
    position:relative;
    overflow:hidden;
  }
  .form-card .fc-head::before{
    content:"";
    position:absolute; left:0; right:0; bottom:0;
    height:4px;
    background:linear-gradient(90deg, var(--coral), var(--gold), var(--teal));
  }
  .form-card .fc-kicker{
    position:relative;
    font-family:'Space Mono', monospace;
    font-size:0.74rem; letter-spacing:0.1em; text-transform:uppercase;
    color:var(--gold-soft); margin-bottom:6px;
  }
  .form-card h2{
    font-family:'Open Sans', sans-serif; font-size:1.3rem; font-weight:700;
    color:var(--white); position:relative;
    letter-spacing:-0.01em;
  }
  .form-card form{
    padding:24px 22px 4px;
    position:relative;
  }
  .field{ margin-bottom:13px; position:relative; }
  .field-row{ display:grid; grid-template-columns:1fr 1fr; gap:10px; }
  .field input, .field select{
    width:100%; padding:13px 18px; border:1.5px solid var(--line); border-radius:8px;
    background:#f8fbfd; font-family:'Open Sans', sans-serif; font-size:0.9rem; color:var(--ink);
    transition:border-color .15s ease, box-shadow .15s ease, background .15s ease;
  }
  .field input::placeholder{ color:var(--ink-faint); }
  .field select{
    appearance:none; color:var(--ink-faint);
    background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%230e2a6b' stroke-width='1.6' fill='none'/%3E%3C/svg%3E");
    background-repeat:no-repeat; background-position:right 18px center; padding-right:34px;
  }
  .field select:valid:not(:has(option[value=""]:checked)){ color:var(--ink); }
  .field input:focus, .field select:focus{
    outline:none; border-color:var(--teal); background:var(--white); box-shadow:0 0 0 3px rgba(0,137,119,0.13);
  }

  .phone-otp-row{
    display:grid; grid-template-columns:1.4fr 1fr; gap:10px; margin-bottom:13px;
  }
  .phone-field{
    display:flex; align-items:center;
    border:1.5px solid var(--line); border-radius:8px; background:#f8fbfd;
    overflow:hidden; transition:border-color .15s ease, box-shadow .15s ease;
  }
  .phone-field:focus-within{ border-color:var(--teal); background:var(--white); box-shadow:0 0 0 3px rgba(0,137,119,0.13); }
  .phone-field .cc{
    flex:0 0 auto; padding:13px 10px 13px 18px;
    font-size:0.88rem; font-weight:600; color:var(--navy);
    border-right:1.5px solid var(--line);
  }
  .phone-field input{
    border:none; background:transparent; border-radius:0; padding:13px 14px 13px 10px; box-shadow:none !important;
  }
  .otp-field input{
    text-align:center; letter-spacing:0.08em;
  }

  .fc-checkbox{
    display:flex; align-items:flex-start; gap:9px;
    margin:10px 4px 16px;
  }
  .fc-checkbox input{
    margin-top:3px; width:15px; height:15px; flex:0 0 auto;
    accent-color:var(--teal);
  }
  .fc-checkbox label{
    font-size:0.78rem; line-height:1.45; color:var(--ink-soft);
  }
  .fc-checkbox label a{ color:var(--teal); font-weight:600; text-decoration:underline; }

  .submit-btn{
    width:100%;
    background:linear-gradient(120deg, var(--coral), #f06b4d);
    color:var(--navy-deep); border:none;
    padding:14px 16px; border-radius:8px; font-weight:800; font-size:0.95rem;
    letter-spacing:0.03em; text-transform:uppercase;
    cursor:pointer; margin-top:2px;
    display:flex; align-items:center; justify-content:center; gap:8px;
    box-shadow:0 14px 26px -10px rgba(216,75,75,0.5);
    transition:transform .15s ease, box-shadow .2s ease;
  }
  .submit-btn:hover{ transform:translateY(-2px); box-shadow:0 18px 32px -10px rgba(216,75,75,0.62); }
  .submit-btn svg{ width:16px; height:16px; }
  .form-foot{ font-size:0.68rem; color:var(--ink-faint); margin-top:12px; text-align:center; }

  .hero .form-card{ padding-bottom:10px; }
  .hero .form-card .fc-head{ padding:10px 20px 8px; }
  .hero .form-card form{ padding:15px 18px 0; }
  .hero .field{ margin-bottom:9px; }
  .hero .field input, .hero .field select{ padding:8px 14px; }
  .hero .phone-otp-row{ margin-bottom:9px; }
  .hero .phone-field .cc{ padding:8px 8px 8px 14px; }
  .hero .phone-field input{ padding:8px 10px 8px 8px; }
  .hero .fc-checkbox{ margin:7px 4px 10px; }
  .hero .submit-btn{ padding:9px 14px; }
  .hero .form-foot{ margin-top:8px; }

  .highlight-card{


    background:linear-gradient(155deg, var(--navy-deep), #104c4d);
    color:var(--white); border-radius:8px; padding:24px; box-shadow:var(--shadow);
  }
  .highlight-card h3{ font-family:'Open Sans', sans-serif; font-size:1.05rem; margin-bottom:12px; color:var(--gold-soft); }
  .highlight-card ul li{
    font-size:0.86rem; padding:8px 0; border-bottom:1px solid rgba(255,255,255,0.12); color:#dbe3f7;
    position:relative; padding-left:18px;
  }
  .highlight-card ul li:last-child{ border-bottom:none; }
  .highlight-card ul li::before{ content:"›"; position:absolute; left:0; color:var(--gold); font-weight:700; }

  .sidebar-trust{
    background:#ffffff;
    border:1px solid var(--line);
    border-radius:8px;
    padding:22px;
    box-shadow:var(--shadow);
  }

  .sidebar-actions{
    display:grid;
    gap:12px;
  }
  .sidebar-action{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    min-height:48px;
    padding:12px 16px;
    border-radius:8px;
    font-size:0.88rem;
    font-weight:700;
    line-height:1.25;
    box-shadow:0 12px 24px -16px rgba(7,25,35,0.5);
    transition:transform .15s ease, box-shadow .2s ease, background .2s ease;
  }
  .sidebar-action:hover{
    transform:translateY(-2px);
    box-shadow:0 16px 28px -16px rgba(7,25,35,0.58);
  }
  .sidebar-action span{ font-size:1.1rem; }
  .sidebar-action-primary{
    background:linear-gradient(120deg, var(--coral), #f06b4d);
    color:var(--white);
  }
  .sidebar-action-secondary{
    background:linear-gradient(135deg, var(--gold), #f3c55f);
    color:var(--navy-deep);
  }
  .sidebar-action-outline{
    border:1.5px solid var(--teal);
    background:var(--white);
    color:var(--navy);
  }
  .sidebar-action-outline:hover{
    background:rgba(0,137,119,0.08);
  }
  .sidebar-trust h3{
    margin:0 0 10px;
    color:var(--navy-deep);
    font-family:'Open Sans', sans-serif;
    font-size:1.05rem;
  }
  .sidebar-trust p{
    color:var(--ink-soft);
    font-size:0.88rem;
    line-height:1.55;
    margin:0 0 14px;
  }
  .trust-mini-list{
    display:grid;
    gap:8px;
  }
  .trust-mini-list span{
    display:flex;
    align-items:center;
    gap:8px;
    color:var(--navy);
    font-size:0.86rem;
    font-weight:700;
  }
  .trust-mini-list span::before{
    content:"";
    width:8px;
    height:8px;
    border-radius:50%;
    background:var(--teal);
    flex:0 0 auto;
  }

  /* ===== FINAL CTA BAND ===== */
  .cta-band{
    background:#fff5d9;
    color:var(--navy-deep);
    margin:0;
    padding:54px 28px;
    text-align:center;
    box-shadow:0 -12px 30px rgba(71,85,105,.16);
    position:relative;
    z-index:1;
  }
  .cta-band-inner{ max-width:680px; margin:0 auto; }
  .cta-band h2{ font-family:'Open Sans', sans-serif; font-size:1.8rem; margin-bottom:12px; }
  .cta-band p{ color:var(--ink-soft); margin-bottom:24px; font-size:1rem; }
  .cta-band .btn-primary{
    background:linear-gradient(135deg, var(--navy), var(--teal));
    color:#fff;
    box-shadow:0 14px 30px rgba(7,25,35,.2);
  }
  .cta-band .btn-primary:hover{
    box-shadow:0 18px 34px rgba(7,25,35,.28);
  }

  .site-footer{
    background:
      radial-gradient(circle at 18% 15%, rgba(0,137,119,.18), transparent 34%),
      linear-gradient(135deg, var(--navy-deep) 0%, #0c3340 58%, var(--navy-mid) 100%);
    color:#fff;
  }
  .footer-main{
    max-width:1120px;
    margin:0 auto;
    padding:48px 28px 34px;
    display:grid;
    grid-template-columns:1.05fr 1fr 1fr;
    gap:30px;
  }
  .footer-column + .footer-column{
    padding-left:30px;
    border-left:1px solid rgba(255,255,255,.18);
  }
  .footer-title{
    position:relative;
    margin:0 0 22px;
    padding-bottom:12px;
    color:#ffca24;
    font-size:1.08rem;
    font-weight:800;
  }
  .footer-title::after{
    content:"";
    position:absolute;
    left:0;
    bottom:0;
    width:50px;
    height:3px;
    border-radius:99px;
    background:linear-gradient(90deg, #ffca24 0 60%, #10a9d5 60%);
  }
  .footer-recognition-copy{ margin-bottom:15px; font-size:.76rem; font-weight:700; }
  .footer-logos{ display:grid; grid-template-columns:repeat(4, 1fr); gap:10px; }
  .footer-logo-card{
    min-height:76px;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:8px;
    border-radius:12px;
    background:#fff;
  }
  .footer-logo-card img{ width:100%; height:58px; object-fit:contain; }
  .footer-stats{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:10px;
    padding:15px;
    border:1px solid rgba(255,255,255,.16);
    border-radius:18px;
    background:rgba(255,255,255,.05);
  }
  .footer-stat{
    min-height:82px;
    padding:14px 12px;
    border:1px solid rgba(255,255,255,.11);
    border-radius:14px;
    background:linear-gradient(145deg, rgba(255,255,255,.10), rgba(255,255,255,.04));
  }
  .footer-stat strong{ display:block; color:#ffca24; font-size:1.45rem; line-height:1.1; }
  .footer-stat span{ display:block; margin-top:5px; font-size:.78rem; font-weight:600; }
  .footer-contact-item{ padding:0 0 20px; margin-bottom:18px; border-bottom:1px solid rgba(255,255,255,.18); }
  .footer-contact-item:last-child{ margin:0; border:0; }
  .footer-contact-label{ display:flex; gap:7px; align-items:center; margin-bottom:7px; font-size:.88rem; }
  .footer-contact-label svg{ width:14px; height:14px; flex:0 0 auto; fill:#fff; }
  .footer-contact-item p{ color:#fff; font-size:.8rem; line-height:1.45; }
  .footer-contact-item a{ color:#18aee2; font-weight:800; }
  .footer-copyright{
    padding:14px 20px;
    background:#fff;
    color:#172331;
    text-align:center;
    font-size:.78rem;
  }

  /* ===== RESPONSIVE ===== */
  @media (max-width: 1000px){
    .layout{ grid-template-columns:1fr; }
    .sidebar{ position:static; }
    .hero-inner{ grid-template-columns:1fr; padding-top:50px; }
    .hero .banner-title{ max-width:none; }
    .hero .hero-breadcrumb .inner{ padding-right:28px; }
    .blog-hero-card{ max-width:520px; }
    .footer-main{ grid-template-columns:1fr 1fr; }
    .footer-contact{
      grid-column:1 / -1;
      padding:28px 0 0;
      border-left:0;
      border-top:1px solid rgba(255,255,255,.18);
    }
  }
  @media (max-width: 720px){
    .header-inner{ flex-wrap:wrap; padding:10px 16px; }
    nav.main-nav ul{ flex-wrap:wrap; gap:8px; }
    nav.main-nav a{ padding:8px 14px; font-size:0.82rem; }
    .logo-wrap{ padding:6px 9px; }
    .logo-wrap img{ height:42px; }
    .hero-inner{ padding:52px 18px 40px; }
    .layout{ padding:36px 18px 60px; }
    .toc ol{ columns:1; }
    .footer-main{ grid-template-columns:1fr; padding:38px 20px 28px; }
    .footer-column + .footer-column{
      padding:26px 0 0;
      border-left:0;
      border-top:1px solid rgba(255,255,255,.18);
    }
    .footer-contact{ grid-column:auto; }
  }
.form-card .header-captcha {
  margin: 10px 0 4px;
}

.form-card .header-captcha .wrap {
  width: 100%;
  padding: 0;
}

.form-card .header-captcha .captcha {
  display: flex;
  align-items: center;
  gap: 11px;
  min-height: 50px;
  padding: 9px 14px;
  border: 1.5px solid var(--line);
  border-left: 4px solid var(--navy-mid);
  border-radius: 8px;
  background: linear-gradient(110deg, rgba(0,137,119,0.06), #f8fbfd 48%);
  color: var(--ink);
  box-sizing: border-box;
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease, background .15s ease;
}

.form-card .header-captcha .captcha:hover {
  border-color: rgba(0,137,119,0.5);
  background: var(--white);
}

.form-card .header-captcha .captcha:focus-within {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,137,119,0.13);
}

.form-card .header-captcha .spinner {
  flex: 0 0 24px;
  width: 24px;
  height: 24px;
}

.form-card .header-captcha .spinner label {
  position: relative;
  display: block;
  width: 24px;
  height: 24px;
  cursor: pointer;
}

.form-card .header-captcha .spinner input {
  position: absolute;
  width: 24px;
  height: 24px;
  margin: 0;
  opacity: 0;
  cursor: pointer;
}

.form-card .header-captcha .checkmark {
  position: absolute;
  inset: 0;
  border: 1.5px solid rgba(18,48,68,0.38);
  border-radius: 6px;
  background: #fff;
  box-sizing: border-box;
  box-shadow: 0 2px 5px rgba(7,25,35,0.08);
  transition: background .15s ease, border-color .15s ease, transform .15s ease;
}

.form-card .header-captcha input:checked + .checkmark {
  border-color: var(--teal);
  background: var(--teal);
  transform: scale(1.04);
}

.form-card .header-captcha input:checked + .checkmark::after {
  content: "";
  position: absolute;
  left: 7px;
  top: 3px;
  width: 7px;
  height: 12px;
  border: solid #fff;
  border-width: 0 3px 3px 0;
  transform: rotate(45deg);
}

.form-card .header-captcha .text {
  font-size: 0.82rem;
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: 0.01em;
}

.form-card .form-error {
  display: block;
  min-height: 18px;
  margin-top: 4px;
  color: #dc3545;
  font-size: 12px;
}

/* Keep the article introduction visible in the first fold on short desktop screens. */
@media (min-width: 1100px) and (max-height: 850px) {
  .hero-inner {
    grid-template-columns: minmax(0, 1fr) 410px;
    gap: 28px;
    padding-top: 10px;
    padding-bottom: 16px;
  }

  .hero .form-card {
    padding-bottom: 0;
    border-radius: 12px;
    box-shadow: 0 20px 46px -20px rgba(2,9,30,0.7), 0 0 0 1px rgba(255,255,255,0.34);
  }

  .hero .form-card .fc-head {
    padding: 7px 18px 6px;
  }

  .hero .form-card .fc-kicker {
    margin-bottom: 1px;
    font-size: 0.66rem;
  }

  .hero .form-card h2 {
    font-size: 1.04rem;
    line-height: 1.25;
  }

  .hero .form-card form {
    display: block;
    padding: 10px 20px 1px;
  }

  .hero .form-card .field {
    margin: 0 0 8px;
  }

  .hero .field input,
  .hero .field select {
    height: 36px;
    padding: 0 14px;
    border-width: 1px;
    border-radius: 8px;
    font-size: 0.86rem;
  }

  .hero .phone-field {
    height: 36px;
    border-width: 1px;
    border-radius: 8px;
  }

  .hero .phone-field .cc {
    padding: 0 8px 0 14px;
    font-size: 0.84rem;
  }

  .hero .phone-field input {
    height: 34px;
    padding: 0 10px 0 8px;
  }

  .hero .header-captcha {
    margin: 0 0 8px;
  }

  .hero .header-captcha .captcha {
    min-height: 40px;
    padding: 6px 12px;
    border-left-width: 3px;
    border-radius: 8px;
  }

  .hero .header-captcha .spinner,
  .hero .header-captcha .spinner label,
  .hero .header-captcha .spinner input {
    width: 20px;
    height: 20px;
  }

  .hero .header-captcha .spinner {
    flex-basis: 20px;
  }

  .hero .header-captcha .checkmark {
    border-radius: 5px;
  }

  .hero .header-captcha input:checked + .checkmark::after {
    left: 6px;
    top: 2px;
    width: 5px;
    height: 10px;
    border-width: 0 2px 2px 0;
  }

  .hero .header-captcha .text {
    font-size: 0.75rem;
  }

  .hero #captcha-err {
    grid-column: 1 / -1;
    min-height: 0;
    margin: 0;
    pointer-events: none;
  }

  .hero .fc-checkbox {
    align-self: center;
    min-height: 24px;
    margin: 0 0 8px;
    padding: 0 4px;
    align-items: center;
    border: none;
    border-radius: 0;
    background: transparent;
  }

  .hero .fc-checkbox input {
    width: 14px;
    height: 14px;
    margin-top: 0;
  }

  .hero .fc-checkbox label {
    font-size: 0.64rem;
    line-height: 1.3;
  }

  .hero .submit-btn,
  .hero .form-foot {
    width: 100%;
  }

  .hero .submit-btn {
    min-height: 36px;
    padding: 7px 13px;
    margin-top: 0;
    border-radius: 7px;
    font-size: 0.76rem;
  }

  .hero .form-foot {
    margin-top: 0;
    line-height: 1.2;
    font-size: 0.62rem;
  }

  .layout {
    padding-top: 0;
  }

  .layout .sidebar {
    position: sticky;
    top: 109px;
    max-height: calc(100vh - 125px);
    overflow-y: auto;
    padding-right: 4px;
    margin-top: 20px;
    scrollbar-width: thin;
    scrollbar-color: rgba(18,48,68,0.28) transparent;
  }
}