:root {
  --ink: #10213a;
  --ink-soft: #34465f;
  --paper: #fbfaf6;
  --surface: #ffffff;
  --mint: #d9f0e5;
  --teal: #0b6f69;
  --teal-deep: #074c49;
  --saffron: #f2a93b;
  --coral: #e56b57;
  --sky: #dceefe;
  --line: #d9e1df;
  --shadow: 0 18px 48px rgba(16, 33, 58, 0.12);
  --radius: 8px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

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

button,
input,
select,
textarea {
  font: inherit;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -80px;
  z-index: 20;
  padding: 10px 14px;
  background: var(--ink);
  color: #fff;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 12px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(251, 250, 246, 0.94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(16, 33, 58, 0.1);
}

.nav-shell {
  width: min(1480px, calc(100% - 32px));
  margin: 0 auto;
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex: 0 0 auto;
  font-weight: 850;
  letter-spacing: 0;
  color: var(--ink);
}

.brand-logo {
  width: 62px;
  height: 46px;
  object-fit: contain;
  background: transparent;
  border: 0;
  border-radius: 0;
  padding: 0;
}

.brand-mark {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: conic-gradient(from 170deg, var(--teal), #128e80, var(--saffron), var(--teal));
  box-shadow: 0 10px 24px rgba(11, 111, 105, 0.22);
}

.brand span:last-child {
  display: inline-block;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.22rem, 1.8vw, 1.42rem);
  font-weight: 700;
  line-height: 1.02;
  color: var(--ink);
  white-space: nowrap;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
  min-width: 0;
}

.main-nav a {
  padding: 10px 7px;
  border-radius: var(--radius);
  color: var(--ink-soft);
  font-size: 0.86rem;
  font-weight: 650;
  white-space: nowrap;
}

.main-nav a:hover,
.main-nav a.active {
  color: var(--teal-deep);
  background: rgba(11, 111, 105, 0.09);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.language-select {
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  border-radius: var(--radius);
  padding: 9px 10px;
  min-width: 136px;
}

.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  width: 42px;
  height: 42px;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--ink);
  margin: 4px auto;
}

.hero {
  min-height: calc(100vh - 86px);
  display: flex;
  align-items: center;
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background: #0f1f33;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(90deg, rgba(10, 25, 43, 0.86) 0%, rgba(10, 25, 43, 0.62) 42%, rgba(10, 25, 43, 0.18) 100%),
    url("assets/financial-learning-hero.png");
  background-size: cover;
  background-position: center;
  z-index: -2;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 36%;
  background: linear-gradient(0deg, rgba(251, 250, 246, 1), rgba(251, 250, 246, 0));
  z-index: -1;
}

.hero-content,
.page-hero-content,
.section-inner,
.footer-inner {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.hero-content {
  position: relative;
}

.hero-copy {
  width: min(650px, 100%);
  padding: 64px 0 112px;
  color: #fff;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--teal-deep);
  background: var(--mint);
  padding: 7px 11px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.hero .eyebrow {
  color: #082b2a;
  background: rgba(217, 240, 229, 0.95);
}

html:not([lang="en"]) .eyebrow {
  letter-spacing: 0;
  text-transform: none;
}

html:not([lang="en"]) .btn,
html:not([lang="en"]) .main-nav a {
  text-align: center;
  white-space: normal;
}

h1,
h2,
h3 {
  line-height: 1.08;
  letter-spacing: 0;
  margin: 0;
}

h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
  margin-top: 18px;
  font-size: clamp(3.35rem, 8.4vw, 7.4rem);
  max-width: 11ch;
}

.page-title {
  font-size: clamp(2.5rem, 6vw, 5rem);
  max-width: 11ch;
}

h2 {
  font-size: clamp(2rem, 4vw, 3.35rem);
}

h3 {
  font-size: 1.18rem;
}

.lede {
  font-size: clamp(1.06rem, 2vw, 1.35rem);
  max-width: 720px;
  color: rgba(255, 255, 255, 0.9);
  margin: 20px 0 0;
}

.page-lede {
  font-size: 1.18rem;
  max-width: 760px;
  color: var(--ink-soft);
  margin: 18px 0 0;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 12px 16px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-weight: 800;
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  color: #082b2a;
  background: var(--saffron);
  box-shadow: 0 16px 34px rgba(242, 169, 59, 0.22);
}

.btn-iq-primary {
  box-shadow: 0 18px 38px rgba(242, 169, 59, 0.34);
}

.btn-secondary {
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.36);
}

.btn-quiet {
  color: var(--teal-deep);
  border-color: var(--line);
  background: #fff;
}

.floating-iq {
  position: fixed;
  right: 18px;
  top: 112px;
  z-index: 18;
  display: grid;
  gap: 2px;
  min-width: 132px;
  padding: 11px 13px;
  color: #082b2a;
  background: var(--saffron);
  border: 1px solid rgba(255, 255, 255, 0.78);
  border-radius: var(--radius);
  box-shadow: 0 18px 44px rgba(16, 33, 58, 0.2);
  animation: iqPulse 3s ease-in-out infinite;
}

.floating-iq span {
  font-size: 0.76rem;
  font-weight: 850;
}

.floating-iq strong {
  font-size: 0.98rem;
  line-height: 1.05;
}

.floating-iq:hover {
  transform: translateY(-2px);
}

@keyframes iqPulse {
  0%,
  100% {
    box-shadow: 0 18px 44px rgba(16, 33, 58, 0.2), 0 0 0 0 rgba(242, 169, 59, 0.32);
  }

  50% {
    box-shadow: 0 18px 44px rgba(16, 33, 58, 0.2), 0 0 0 9px rgba(242, 169, 59, 0);
  }
}

.iq-spotlight-section {
  padding: 34px 0 0;
}

.iq-spotlight-card {
  display: grid;
  grid-template-columns: minmax(180px, 0.58fr) minmax(220px, 1fr) auto;
  align-items: center;
  gap: 18px;
  padding: 22px 24px;
  color: #fff;
  background: linear-gradient(110deg, #10213a, #0b6f69);
  border: 1px solid rgba(242, 169, 59, 0.4);
  border-radius: var(--radius);
  box-shadow: 0 22px 50px rgba(16, 33, 58, 0.14);
}

.iq-spotlight-card:hover {
  transform: translateY(-2px);
}

.iq-card-kicker {
  color: var(--saffron);
  font-size: 0.78rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.iq-spotlight-card strong {
  font-size: clamp(1.25rem, 2vw, 1.85rem);
}

.iq-spotlight-card span:not(.iq-card-kicker) {
  color: rgba(255, 255, 255, 0.84);
}

.iq-spotlight-card em {
  color: #082b2a;
  background: var(--saffron);
  border-radius: 999px;
  padding: 10px 14px;
  font-style: normal;
  font-size: 0.9rem;
  font-weight: 900;
  white-space: nowrap;
}

.trust-strip {
  margin-top: -66px;
  position: relative;
  z-index: 2;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}

.trust-item,
.card,
.story-card,
.faq-item,
.tool-panel,
.contact-panel {
  background: var(--surface);
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.trust-item {
  padding: 18px;
}

.trust-item strong {
  display: block;
  color: var(--teal-deep);
  font-size: 1.45rem;
  line-height: 1;
}

.trust-item span {
  display: block;
  margin-top: 7px;
  color: var(--ink-soft);
  font-size: 0.92rem;
}

.credential-strip {
  padding: 22px;
  margin-top: 18px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 18px;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.credential-strip strong {
  color: var(--ink);
  font-size: 1.08rem;
}

.credential-strip span {
  color: var(--ink-soft);
}

.credential-name {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  margin-bottom: 4px;
}

.credential-name img {
  width: 58px;
  height: 34px;
  object-fit: contain;
}

.credential-name span:first-child {
  color: var(--ink);
}

.credential-name span:last-child {
  color: var(--ink);
  font-size: 0.95rem;
  letter-spacing: 0.03em;
}

.contact-credential {
  margin-bottom: 12px;
}

.contact-links {
  display: grid;
  gap: 6px;
  font-weight: 800;
  color: var(--teal-deep);
}

.contact-links a,
.contact-list a span:last-child {
  overflow-wrap: anywhere;
}

.section {
  padding: 84px 0;
}

.section.alt {
  background: #eef7f3;
}

.section.sky {
  background: var(--sky);
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 30px;
}

.section-head p {
  max-width: 560px;
  margin: 0;
  color: var(--ink-soft);
}

.grid-3,
.grid-4,
.split {
  display: grid;
  gap: 18px;
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.split {
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  align-items: start;
}

.card {
  padding: 22px;
  box-shadow: none;
}

.card.highlight {
  border-color: rgba(11, 111, 105, 0.28);
  background: linear-gradient(180deg, #fff, #f5fbf8);
}

.icon-chip {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: #fff;
  background: var(--teal);
  border-radius: var(--radius);
  font-weight: 900;
  margin-bottom: 18px;
}

.card:nth-child(2n) .icon-chip {
  background: var(--coral);
}

.card:nth-child(3n) .icon-chip {
  background: #4568a8;
}

.card p,
.story-card p,
.faq-answer,
.tool-panel p,
.small-copy {
  color: var(--ink-soft);
}

.service-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.service-item {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 12px;
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.service-item .icon-chip {
  margin: 0;
}

.service-item p {
  margin: 6px 0 0;
  color: var(--ink-soft);
}

.brand-options {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.brand-final-note {
  margin-top: 18px;
  color: var(--ink-soft);
}

.font-option {
  padding: 20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.font-sample {
  display: block;
  margin: 10px 0;
  color: var(--ink);
  font-size: clamp(1.5rem, 3vw, 2.15rem);
  line-height: 1.04;
}

.font-classic {
  font-family: Georgia, "Times New Roman", serif;
}

.font-premium {
  font-family: "Palatino Linotype", Palatino, Georgia, serif;
}

.font-modern {
  font-family: "Trebuchet MS", "Segoe UI", sans-serif;
}

.font-sharp {
  font-family: Cambria, Georgia, serif;
}

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

.tag {
  display: inline-flex;
  padding: 6px 9px;
  border-radius: 999px;
  color: var(--teal-deep);
  background: rgba(11, 111, 105, 0.09);
  font-size: 0.82rem;
  font-weight: 750;
}

.path-list {
  display: grid;
  gap: 12px;
}

.path-link {
  display: grid;
  grid-template-columns: 48px 1fr auto;
  align-items: center;
  gap: 14px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}

.path-link:hover {
  border-color: rgba(11, 111, 105, 0.42);
  box-shadow: 0 12px 30px rgba(16, 33, 58, 0.08);
}

.path-number {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--ink);
  font-weight: 900;
}

.page-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  min-height: 430px;
  display: flex;
  align-items: flex-end;
  padding: 98px 0 68px;
  color: #fff;
  background: #10213a;
  border-bottom: 1px solid rgba(16, 33, 58, 0.08);
}

.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -2;
  background-image:
    linear-gradient(90deg, rgba(16, 33, 58, 0.88) 0%, rgba(16, 33, 58, 0.72) 42%, rgba(16, 33, 58, 0.28) 100%),
    var(--page-hero-image, linear-gradient(135deg, var(--sky), var(--mint)));
  background-size: cover;
  background-position: center;
}

.page-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 32%;
  z-index: -1;
  background: linear-gradient(0deg, rgba(251, 250, 246, 0.2), rgba(251, 250, 246, 0));
}

.page-hero .eyebrow {
  margin-bottom: 14px;
  color: #082b2a;
  background: rgba(217, 240, 229, 0.94);
}

.page-hero .page-title,
.page-hero .page-lede,
.page-hero .breadcrumb,
.page-hero .breadcrumb a {
  color: #fff;
}

.page-hero .page-lede {
  color: rgba(255, 255, 255, 0.86);
}

body[data-page="start"] { --page-hero-image: url("assets/start-hero.png"); }
body[data-page="learning"] { --page-hero-image: url("assets/learning-hero.png"); }
body[data-page="resources"] { --page-hero-image: url("assets/resources-hero.png"); }
body[data-page="insights"] { --page-hero-image: url("assets/resources-hero.png"); }
body[data-page="tools"] { --page-hero-image: url("assets/tools-hero.png"); }
body[data-page="market-pulse"] { --page-hero-image: url("assets/resources-hero.png"); }
body[data-page="financial-iq"] { --page-hero-image: url("assets/tools-hero.png"); }
body[data-page="stories"] { --page-hero-image: url("assets/stories-hero.png"); }
body[data-page="about"] { --page-hero-image: url("assets/about-hero.png"); }
body[data-page="faqs"] { --page-hero-image: url("assets/faqs-hero.png"); }
body[data-page="contact"] { --page-hero-image: url("assets/contact-hero.png"); }
body[data-page="thanks"] { --page-hero-image: url("assets/thank-you-hero.png"); }

.breadcrumb {
  display: flex;
  gap: 8px;
  color: var(--ink-soft);
  font-size: 0.9rem;
  margin-bottom: 24px;
}

.learning-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 24px;
  align-items: start;
}

.side-nav {
  position: sticky;
  top: 94px;
  display: grid;
  gap: 8px;
}

.side-nav a {
  padding: 11px 12px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  color: var(--ink-soft);
  font-weight: 700;
}

.side-nav a:hover {
  color: var(--teal-deep);
  border-color: rgba(11, 111, 105, 0.35);
}

.article-stack {
  display: grid;
  gap: 18px;
}

.article-card {
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.article-card h2 {
  font-size: clamp(1.55rem, 3vw, 2.2rem);
}

.article-card ul {
  padding-left: 20px;
}

.resource-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 14px;
  padding: 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.insights-layout {
  display: grid;
  grid-template-columns: minmax(240px, 0.34fr) minmax(0, 0.66fr);
  gap: 28px;
  align-items: start;
}

.insights-note {
  position: sticky;
  top: 108px;
  padding: 28px;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 18px 44px rgba(16, 33, 58, 0.08);
}

.insights-note h2 {
  margin-top: 14px;
  font-size: clamp(1.8rem, 3vw, 2.55rem);
}

.insights-note p {
  color: var(--ink-soft);
}

.article-index {
  display: grid;
  gap: 8px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

.article-index strong {
  color: var(--ink);
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.article-index a {
  color: var(--teal-deep);
  font-weight: 800;
}

.article-index a:hover {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.insight-feature {
  padding: clamp(26px, 5vw, 48px);
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 18px;
}

.article-meta span {
  padding: 6px 10px;
  border-radius: 999px;
  color: var(--teal-deep);
  background: var(--mint);
  font-size: 0.76rem;
  font-weight: 850;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.article-lede {
  font-size: 1.18rem;
  color: var(--ink);
}

.long-read {
  scroll-margin-top: 110px;
}

.long-read h2 {
  max-width: 12ch;
}

.reader-label,
.key-takeaways {
  margin: 22px 0;
  padding: 20px 22px;
  border-radius: var(--radius);
}

.reader-label {
  border: 1px solid rgba(11, 111, 105, 0.24);
  color: var(--teal-deep);
  background: #eff8f4;
}

.key-takeaways {
  border: 1px solid rgba(242, 169, 59, 0.35);
  background: #fff7e8;
}

.key-takeaways h3,
.long-read-body h3,
.long-read-body h4 {
  margin: 0 0 10px;
}

.key-takeaways ul,
.long-read-body ul {
  margin: 10px 0 0;
  padding-left: 22px;
}

.long-read-body {
  display: grid;
  gap: 4px;
}

.long-read-body h3 {
  margin-top: 28px;
  padding-top: 22px;
  border-top: 1px solid rgba(16, 33, 58, 0.1);
  font-size: clamp(1.45rem, 3vw, 2rem);
}

.long-read-body h4 {
  margin-top: 18px;
  color: var(--teal-deep);
  font-size: 1.08rem;
}

.long-read-body a {
  color: var(--teal-deep);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

.long-read-body em {
  display: block;
  margin-top: 16px;
  color: var(--ink-soft);
}

.insight-feature p {
  color: var(--ink-soft);
}

.insight-feature blockquote {
  margin: 24px 0;
  padding: 22px 24px;
  border-left: 5px solid var(--saffron);
  border-radius: var(--radius);
  color: var(--ink);
  background: #fff7e8;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.25rem, 3vw, 1.8rem);
  line-height: 1.25;
}

.article-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.compact-head {
  margin-top: 14px;
}

.insight-card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.insight-card {
  min-height: 220px;
}

.story-card {
  padding: 22px;
  box-shadow: none;
}

.story-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 18px;
}

.avatar {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--teal);
  font-weight: 900;
}

.faq-toolbar {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 14px;
  align-items: end;
  margin-bottom: 18px;
}

.faq-search {
  display: grid;
  gap: 8px;
  font-weight: 850;
  color: var(--ink);
}

.faq-search input {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px 14px;
  font: inherit;
  color: var(--ink);
  background: #fff;
}

.faq-search input:focus {
  outline: 3px solid rgba(10, 94, 95, 0.18);
  border-color: var(--teal);
}

.faq-count {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px 14px;
  color: var(--teal-deep);
  background: #fff;
  font-weight: 900;
  white-space: nowrap;
}

.faq-controls {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}

.filter-btn {
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  padding: 9px 12px;
  color: var(--ink-soft);
  cursor: pointer;
  font-weight: 750;
}

.filter-btn.active {
  color: #fff;
  background: var(--teal);
  border-color: var(--teal);
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-item {
  box-shadow: none;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 20px;
  text-align: left;
  padding: 18px 20px;
  border: 0;
  background: #fff;
  color: var(--ink);
  cursor: pointer;
  font-weight: 850;
}

.faq-question small {
  display: block;
  margin-bottom: 5px;
  color: var(--teal-deep);
  font-size: 0.76rem;
  font-weight: 850;
}

.faq-question .plus {
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--teal);
}

.faq-answer {
  display: none;
  padding: 0 20px 20px;
}

.faq-item.open .faq-answer {
  display: block;
}

.faq-empty {
  margin-top: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 20px;
  color: var(--ink-soft);
  background: #fff;
  font-weight: 800;
}

.soft-cta {
  margin-top: 28px;
  border-radius: 8px;
  padding: 24px;
  color: #fff;
  background: var(--ink);
}

.soft-cta h2 {
  color: #fff;
  font-size: clamp(1.4rem, 2vw, 2rem);
}

.soft-cta p {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.78);
}

.tool-panel {
  padding: 24px;
  box-shadow: none;
}

.form-grid {
  display: grid;
  gap: 14px;
}

.netlify-honeypot {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
  border: 0;
}

.field {
  display: grid;
  gap: 7px;
}

.field label {
  font-weight: 800;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 45px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  padding: 10px 12px;
  color: var(--ink);
}

.field textarea {
  min-height: 130px;
  resize: vertical;
}

.result-box {
  margin-top: 16px;
  padding: 16px;
  border-radius: var(--radius);
  background: #eff8f4;
  border: 1px solid rgba(11, 111, 105, 0.2);
  color: var(--teal-deep);
  font-weight: 850;
}

.result-list {
  display: grid;
  gap: 8px;
}

.result-list span {
  display: block;
}

.market-teaser-section {
  padding: 24px 0 0;
}

.market-teaser-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 18px;
  align-items: center;
  padding: 24px;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-left: 5px solid var(--saffron);
  border-radius: var(--radius);
  color: var(--ink);
  background: #fff;
  box-shadow: 0 16px 38px rgba(16, 33, 58, 0.08);
}

.market-teaser-card p {
  margin: 6px 0 0;
  color: var(--ink-soft);
}

.market-teaser-card span:last-child {
  color: var(--teal-deep);
  font-weight: 900;
}

.market-pulse-layout {
  display: grid;
  gap: 22px;
}

.market-widget-card,
.market-note-card {
  padding: 22px;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 16px 38px rgba(16, 33, 58, 0.08);
}

.market-widget-card {
  display: grid;
  gap: 14px;
}

.market-widget-frame {
  min-height: 78px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}

.market-widget-fallback {
  padding: 16px;
  color: var(--ink-soft);
  font-size: 0.9rem;
}

.market-indicator-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.market-indicator-card {
  min-height: 100%;
  padding: 22px;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  background: #fff;
}

.market-indicator-card h3 {
  margin-top: 8px;
}

.market-indicator-card p {
  color: var(--ink-soft);
}

.market-tag {
  display: inline-flex;
  color: var(--teal-deep);
  font-size: 0.74rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.watch-link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 14px;
}

.watch-link-grid a {
  display: grid;
  gap: 5px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--ink);
  background: #fff;
}

.watch-link-grid a strong {
  color: var(--teal-deep);
}

.watch-link-grid a span {
  color: var(--ink-soft);
  font-size: 0.9rem;
}

.market-disclaimer {
  color: var(--ink-soft);
  font-size: 0.92rem;
}

.calculator-grid .tool-panel {
  min-height: 100%;
}

.tool-cta-panel {
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
}

.iq-layout {
  display: grid;
  grid-template-columns: minmax(260px, 0.42fr) minmax(0, 0.58fr);
  gap: 24px;
  align-items: start;
}

.iq-intro {
  position: sticky;
  top: 108px;
}

.iq-score-preview {
  display: grid;
  gap: 4px;
  margin: 24px 0 16px;
  padding: 22px;
  border: 1px solid rgba(11, 111, 105, 0.18);
  border-radius: var(--radius);
  background: #eff8f4;
}

.iq-score-preview span {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.5rem, 7vw, 4.4rem);
  line-height: 1;
  color: var(--teal-deep);
  font-weight: 700;
}

.iq-form {
  display: grid;
  gap: 14px;
}

.iq-category {
  padding: 20px;
  border-radius: var(--radius);
  color: #fff;
  background: var(--ink);
}

.iq-category span {
  color: var(--saffron);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.iq-category h3 {
  margin-top: 6px;
}

.iq-question {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}

.iq-question legend {
  padding: 0 0 8px;
  color: var(--ink);
  font-weight: 850;
}

.iq-question label {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--ink-soft);
  background: #fbfaf6;
  cursor: pointer;
}

.iq-question input {
  accent-color: var(--teal);
}

.iq-result-shell {
  display: grid;
}

.iq-result-card {
  padding: clamp(26px, 5vw, 48px);
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 18px 44px rgba(16, 33, 58, 0.08);
}

.iq-score-line {
  display: flex;
  align-items: baseline;
  gap: 8px;
  margin: 20px 0 8px;
}

.iq-score-line strong {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(5rem, 14vw, 9rem);
  line-height: 0.9;
  color: var(--teal-deep);
}

.iq-score-line span {
  font-size: clamp(1.5rem, 4vw, 2.5rem);
  color: var(--ink-soft);
  font-weight: 850;
}

.contact-panel {
  padding: 24px;
  box-shadow: none;
}

.founder-card {
  display: grid;
  grid-template-columns: minmax(220px, 0.72fr) minmax(0, 1.28fr);
  gap: 24px;
  align-items: center;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.about-founder-card {
  grid-template-columns: minmax(190px, 0.58fr) minmax(0, 1.42fr);
  animation: soft-rise 520ms ease both;
}

.founder-photo {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: contain;
  object-position: center;
  padding: 10px;
  background: linear-gradient(180deg, #f7f5ef, #ffffff);
  border-radius: var(--radius);
}

.story-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(0, 1.18fr);
  gap: 42px;
  align-items: start;
}

.story-kicker {
  position: sticky;
  top: 110px;
}

.story-copy {
  display: grid;
  gap: 18px;
  padding: 34px;
  background: #fff;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  box-shadow: 0 18px 44px rgba(16, 33, 58, 0.08);
}

.story-copy p {
  margin: 0;
  color: var(--ink-soft);
  font-size: 1.06rem;
}

.boutique-section {
  align-items: center;
}

.boutique-note {
  border-left: 5px solid var(--saffron);
}

.boutique-note p {
  margin-top: 0;
}

.network-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.network-card {
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.network-person {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 14px;
}

.network-avatar {
  width: 76px;
  height: 76px;
  flex: 0 0 76px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 28%;
  border: 3px solid #fff;
  box-shadow: 0 10px 24px rgba(16, 33, 58, 0.16);
}

.founder-network-avatar {
  object-position: center 0%;
}

.network-person h3 {
  margin: 4px 0 0;
}

.network-person .role-label {
  margin-bottom: 0;
}

.network-card:hover,
.philosophy-card:hover,
.value-card:hover {
  transform: translateY(-3px);
  border-color: rgba(11, 111, 105, 0.34);
  box-shadow: 0 16px 38px rgba(16, 33, 58, 0.08);
}

.role-label {
  display: inline-flex;
  margin-bottom: 12px;
  color: var(--teal-deep);
  font-size: 0.78rem;
  font-weight: 850;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.philosophy-grid .card,
.values-grid .card {
  min-height: 230px;
}

.philosophy-card,
.value-card {
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.line-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  margin-bottom: 20px;
  color: var(--teal-deep);
  background: var(--mint);
  border: 1px solid rgba(11, 111, 105, 0.18);
  border-radius: 50%;
  font-size: 1.45rem;
  font-weight: 900;
}

.value-card {
  border-top: 4px solid rgba(11, 111, 105, 0.34);
}

.about-timeline {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 0;
  position: relative;
  padding: 36px 0 8px;
}

.about-timeline::before {
  content: "";
  position: absolute;
  left: 6%;
  right: 6%;
  top: 24px;
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--saffron), var(--coral));
}

.about-timeline div {
  position: relative;
  padding: 28px 10px 0;
  color: var(--ink-soft);
  text-align: center;
  font-weight: 800;
}

.about-timeline div::before {
  content: "";
  position: absolute;
  top: -22px;
  left: calc(50% - 9px);
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--teal);
  box-shadow: 0 0 0 7px var(--paper);
}

.about-timeline div:nth-child(2n)::before {
  border-color: var(--saffron);
}

.about-timeline div:nth-child(3n)::before {
  border-color: var(--coral);
}

.quote-section {
  padding: 72px 0;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(16, 33, 58, 0.96), rgba(7, 76, 73, 0.92)),
    var(--ink);
}

.founder-quote {
  display: grid;
  gap: 20px;
  text-align: center;
}

.founder-quote blockquote {
  margin: 0 auto;
  max-width: 900px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.1rem, 5vw, 4.8rem);
  line-height: 1.08;
}

.founder-quote p {
  margin: 0;
  color: rgba(255, 255, 255, 0.76);
  font-weight: 850;
}

.closing-panel {
  display: grid;
  justify-items: start;
  padding: 42px;
  background: #fff;
  border: 1px solid rgba(16, 33, 58, 0.1);
  border-radius: var(--radius);
  box-shadow: 0 18px 44px rgba(16, 33, 58, 0.08);
}

@keyframes soft-rise {
  from {
    opacity: 0;
    transform: translateY(10px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.credential-logo-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
  margin-top: 18px;
}

.credential-logo-row img {
  width: 118px;
  height: 76px;
  object-fit: contain;
  padding: 6px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.contact-list {
  display: grid;
  gap: 12px;
}

.contact-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  color: var(--teal-deep);
  font-weight: 850;
}

.contact-list a span:last-child {
  text-align: right;
}

.social-card p {
  margin-bottom: 16px;
}

.social-link-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.social-link-grid a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 8px 10px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--teal-deep);
  background: #fff;
  font-size: 0.88rem;
  font-weight: 850;
}

.social-link-grid a:hover {
  border-color: rgba(11, 111, 105, 0.42);
  background: #eff8f4;
}

.notice {
  padding: 16px;
  border-radius: var(--radius);
  border: 1px solid rgba(229, 107, 87, 0.28);
  background: #fff4f1;
  color: #80382d;
}

.site-footer {
  padding: 48px 0 28px;
  background: #10213a;
  color: #f7faf8;
}

.footer-inner {
  display: grid;
  gap: 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, 1fr);
  gap: 24px;
}

.footer-grid a,
.footer-grid p,
.fine-print {
  color: rgba(255, 255, 255, 0.75);
}

.footer-grid h3 {
  font-size: 1rem;
  margin-bottom: 10px;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.footer-brand h3 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  line-height: 1.05;
}

.footer-mark {
  width: 46px;
  height: 34px;
  object-fit: contain;
  background: #fff;
  border-radius: 3px;
}

.footer-founder {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 10px;
  padding: 6px 9px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius);
  color: rgba(255, 255, 255, 0.85);
  font-weight: 800;
}

.footer-founder img {
  width: 42px;
  height: 24px;
  object-fit: contain;
  background: #fff;
  border-radius: 3px;
}

.footer-social {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 8px 10px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  color: #fff;
  background: rgba(255, 255, 255, 0.08);
  font-size: 0.88rem;
  font-weight: 850;
}

.footer-social a:hover {
  background: rgba(255, 255, 255, 0.14);
}

.footer-links {
  display: grid;
  gap: 8px;
}

.fine-print {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding-top: 20px;
  font-size: 0.86rem;
}

@media (max-width: 1500px) {
  .menu-toggle {
    display: inline-block;
  }

  .main-nav {
    position: absolute;
    left: 16px;
    right: 16px;
    top: 86px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 12px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
  }

  .main-nav.open {
    display: flex;
  }

  .main-nav a {
    padding: 12px;
  }
}

@media (max-width: 1180px) {
  .menu-toggle {
    display: inline-block;
  }

  .main-nav {
    position: absolute;
    left: 16px;
    right: 16px;
    top: 86px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 12px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
  }

  .main-nav.open {
    display: flex;
  }

  .main-nav a {
    padding: 12px;
  }

  .trust-grid,
  .grid-4,
  .brand-options,
  .market-indicator-grid,
  .watch-link-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-3,
  .split,
  .learning-layout,
  .founder-card,
  .footer-grid,
  .story-shell,
  .network-grid,
  .insights-layout,
  .iq-layout,
  .tool-cta-panel {
    grid-template-columns: 1fr;
  }

  .story-kicker {
    position: static;
  }

  .insights-note {
    position: static;
  }

  .iq-intro {
    position: static;
  }

  .about-timeline {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 0;
  }

  .about-timeline::before {
    left: 18px;
    right: auto;
    top: 14px;
    bottom: 14px;
    width: 2px;
    height: auto;
  }

  .about-timeline div {
    min-height: 62px;
    padding: 0 0 0 56px;
    text-align: left;
    display: flex;
    align-items: center;
  }

  .about-timeline div::before {
    top: 20px;
    left: 10px;
    box-shadow: 0 0 0 7px var(--paper);
  }

  .side-nav {
    position: static;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .iq-spotlight-card {
    grid-template-columns: 1fr;
    align-items: start;
  }
}

@media (max-width: 680px) {
  .hero-content,
  .page-hero-content,
  .section-inner,
  .footer-inner {
    width: 100%;
    padding-left: 16px;
    padding-right: 16px;
  }

  .nav-shell {
    width: 100%;
    min-height: 76px;
    gap: 6px;
    position: relative;
    padding-left: 16px;
    padding-right: 146px;
  }

  .brand {
    gap: 6px;
    min-width: 0;
  }

  .brand span:last-child {
    display: inline-block;
    max-width: 120px;
    white-space: normal;
    font-size: 1rem;
    line-height: 1;
  }

  .brand-logo {
    width: 42px;
    height: 34px;
  }

  .nav-actions {
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    gap: 6px;
    flex-shrink: 0;
  }

  .language-select {
    min-width: 92px;
    max-width: 96px;
    padding: 8px 6px;
  }

  .menu-toggle {
    width: 38px;
    height: 38px;
    flex: 0 0 38px;
  }

  .hero {
    min-height: 720px;
  }

  .hero::before {
    background-image:
      linear-gradient(180deg, rgba(10, 25, 43, 0.88) 0%, rgba(10, 25, 43, 0.68) 60%, rgba(10, 25, 43, 0.24) 100%),
      url("assets/financial-learning-hero.png");
    background-position: 58% center;
  }

  .hero-copy {
    padding: 50px 0 120px;
  }

  .floating-iq {
    top: 86px;
    right: auto;
    left: 16px;
    min-width: 0;
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 7px 10px;
  }

  .floating-iq span {
    font-size: 0.68rem;
  }

  .floating-iq strong {
    font-size: 0.78rem;
  }

  h1 {
    font-size: clamp(2.65rem, 12vw, 3.6rem);
    max-width: 100%;
  }

  .section {
    padding: 58px 0;
  }

  .section-head {
    display: grid;
    gap: 14px;
  }

  .trust-strip {
    margin-top: -80px;
  }

  .trust-grid,
  .grid-4,
  .grid-3,
  .insight-card-grid,
  .market-indicator-grid,
  .watch-link-grid,
  .side-nav,
  .service-list,
  .brand-options,
  .faq-toolbar {
    grid-template-columns: 1fr;
  }

  .faq-count {
    justify-content: flex-start;
  }

  .credential-strip {
    grid-template-columns: 1fr;
  }

  .credential-strip > * {
    min-width: 0;
  }

  .contact-list a {
    align-items: flex-start;
    flex-direction: column;
  }

  .contact-list a span:last-child {
    text-align: left;
  }

  .path-link,
  .resource-row {
    grid-template-columns: 1fr;
  }

  .story-copy,
  .closing-panel {
    padding: 24px;
  }

  .market-teaser-card {
    grid-template-columns: 1fr;
  }

  .founder-card {
    padding: 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .floating-iq {
    animation: none;
  }
}