/*
Theme Name:        Unique Tech Finology
Theme URI:         https://uniquetechfinology.com
Author:            Unique Tech Finology
Author URI:        https://uniquetechfinology.com
Description:        Custom, fully-responsive, SEO-optimised theme for Unique Tech Finology — a D2C financial products distribution platform (ARN-332632). Blue/white site identity with a navy + gold calculator suite. Gutenberg-compatible; works with Yoast SEO, Elementor and WPForms.
Version:           3.0.0
Requires at least: 6.0
Tested up to:      6.5
Requires PHP:      7.4
License:           GNU General Public License v2 or later
License URI:       https://www.gnu.org/licenses/gpl-2.0.html
Text Domain:       utf
Tags:              finance, business, responsive, custom-colors, custom-logo, custom-menu, blog
*/

/* ============================================================
   TABLE OF CONTENTS
   1.  Design tokens (variables)
   2.  Reset & base
   3.  Typography
   4.  Layout helpers (container, section, grid)
   5.  Buttons
   6.  Forms
   7.  Top info bar + ticker
   8.  Header / primary nav / mega menu
   9.  Mobile drawer + hamburger
   10. Hero (home) + page hero
   11. Cards & 3D depth utilities
   12. Stats bar / counters
   13. Testimonials slider
   14. Team
   15. FAQ accordion
   16. Newsletter strip
   17. Footer + back-to-top
   18. CALCULATOR SCOPE (navy + gold) .utf-calc
   19. Tables (funds-table)
   20. Blog / article / pagination
   21. Animations & motion
   22. Responsive breakpoints
   ============================================================ */


/* ============================================================
   1. DESIGN TOKENS
   Two palettes:
   • Site-wide  → white + blue (#1A73E8 / #2D7FF9), navy headings
   • Header/Footer/Calculators → navy #0A1628
   • Calculators + PDF reports → navy + gold (#C9A227 / #C9A84C)
   ============================================================ */
:root {
  /* --- Brand blue (site identity) --- */
  --brand-blue:        #1A73E8;
  --brand-blue-2:      #2D7FF9;
  --brand-blue-dark:   #155ab8;
  --brand-blue-soft:   #e8f0fe;   /* light wash for backgrounds */
  --brand-blue-line:   #cfe0fc;

  /* --- Navy (header, footer, calculators) --- */
  --navy:              #0A1628;
  --navy-2:            #11203a;
  --navy-3:            #1a2f4e;

  /* --- Gold (calculator + report accents only) --- */
  --gold-500:          #C9A227;
  --gold-400:          #C9A84C;
  --gold-300:          #e8c85a;

  /* --- Neutrals --- */
  --white:             #ffffff;
  --bg:                #ffffff;
  --bg-soft:           #f7f9fc;   /* section alt background */
  --bg-soft-2:         #eef2f8;
  --border:            #e3e9f2;
  --text-heading:      #0A1628;   /* navy headings on white */
  --text-body:         #334155;
  --text-muted:        #64748b;
  --text-faint:        #94a3b8;

  /* --- Status --- */
  --green-500:         #16a34a;
  --red-500:           #dc2626;

  /* --- Typography --- */
  --font-body:         'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-display:      'Playfair Display', Georgia, serif; /* used inside calculators */

  /* --- Radii --- */
  --radius-sm:         8px;
  --radius-md:         12px;
  --radius-lg:         18px;
  --radius-xl:         24px;
  --radius-pill:       50px;

  /* --- Shadows (layered for the 3D feel) --- */
  --shadow-sm:         0 1px 2px rgba(10,22,40,.06), 0 2px 6px rgba(10,22,40,.05);
  --shadow-md:         0 4px 12px rgba(10,22,40,.07), 0 10px 28px rgba(10,22,40,.06);
  --shadow-lg:         0 8px 24px rgba(10,22,40,.10), 0 24px 56px rgba(10,22,40,.10);
  --shadow-blue:       0 10px 30px rgba(26,115,232,.28);
  --shadow-gold:       0 10px 30px rgba(201,162,39,.30);

  /* --- Layout metrics --- */
  --container:         1240px;
  --topbar-h:          40px;
  --header-h:          72px;
  --total-header:      112px;     /* topbar + header; read by main.js smooth-scroll */

  /* --- Motion --- */
  --ease:              cubic-bezier(.22,.61,.36,1);
  --dur:               .35s;
}

@media (max-width: 980px) {
  :root { --total-header: 72px; }   /* topbar hidden on mobile */
}


/* ============================================================
   2. RESET & BASE
   ============================================================ */
*,
*::before,
*::after { box-sizing: border-box; }

* { margin: 0; }

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

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img,
picture,
svg,
video { display: block; max-width: 100%; height: auto; }

a { color: var(--brand-blue); text-decoration: none; transition: color var(--dur) var(--ease); }
a:hover { color: var(--brand-blue-dark); }

ul, ol { list-style: none; padding: 0; }

button { font-family: inherit; cursor: pointer; border: none; background: none; }

input, textarea, select { font-family: inherit; font-size: 16px; }

/* Accessible focus ring (keyboard users) */
:focus-visible {
  outline: 3px solid var(--brand-blue-2);
  outline-offset: 2px;
  border-radius: 4px;
}

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

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 100000;
  background: var(--navy); color: #fff; padding: .75rem 1.25rem; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; }


/* ============================================================
   3. TYPOGRAPHY
   Headings: bold, uppercase Inter (matches the reference).
   ============================================================ */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-body);
  color: var(--text-heading);
  line-height: 1.15;
  font-weight: 800;
  letter-spacing: -.01em;
}

h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); }
h3 { font-size: clamp(1.25rem, 2.2vw, 1.6rem); }
h4 { font-size: 1.15rem; }
h5 { font-size: 1rem; }

p { margin: 0 0 1rem; }
p:last-child { margin-bottom: 0; }

strong, b { font-weight: 700; color: var(--text-heading); }

/* Eyebrow / section label */
.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--brand-blue);
  margin-bottom: .75rem;
}

/* A blue underline accent for emphasised heading words */
.text-blue   { color: var(--brand-blue); }
.text-navy   { color: var(--navy); }


/* ============================================================
   4. LAYOUT HELPERS
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: clamp(1rem, 4vw, 2rem);
}

/* Vertical rhythm for content sections.
   NOTE: kept on .section only (single source) to avoid specificity
   clashes between type- and element-based selectors. */
.section { padding-block: clamp(3rem, 7vw, 6rem); }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: rgba(255,255,255,.82); }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }

.section-head { max-width: 720px; margin: 0 auto 3rem; text-align: center; }
.section-head p { color: var(--text-muted); font-size: 1.05rem; }

.grid { display: grid; gap: 1.75rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }


/* ============================================================
   5. BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  font-weight: 700;
  font-size: .95rem;
  line-height: 1;
  padding: .9rem 1.6rem;
  border-radius: var(--radius-pill);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease), color var(--dur) var(--ease);
  will-change: transform;
}
.btn-sm   { padding: .65rem 1.15rem; font-size: .85rem; }
.btn-full { width: 100%; }

.btn-primary {
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-2));
  color: #fff;
  box-shadow: var(--shadow-blue);
}
.btn-primary:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 14px 36px rgba(26,115,232,.38); }

.btn-outline {
  background: transparent;
  color: var(--brand-blue);
  border: 2px solid var(--brand-blue);
}
.btn-outline:hover { background: var(--brand-blue); color: #fff; transform: translateY(-2px); }

.btn-ghost { background: var(--brand-blue-soft); color: var(--brand-blue-dark); }
.btn-ghost:hover { background: var(--brand-blue-line); color: var(--brand-blue-dark); }

/* Gold outline button — used inside calculator scope */
.btn-outline-gold {
  background: transparent;
  color: var(--gold-300);
  border: 1.5px solid rgba(201,168,76,.5);
}
.btn-outline-gold:hover { background: rgba(201,168,76,.14); color: var(--gold-300); }

/* Larger button (e.g. appointment submit) */
.btn-lg { padding: 1.05rem 2rem; font-size: 1.05rem; }

/* Appointment stepper + form card (book-appointment page) */
.appt-steps { display: flex; gap: 1rem; flex-wrap: wrap; }
.appt-step {
  flex: 1; min-width: 140px;
  display: flex; flex-direction: column; align-items: center; gap: .5rem; text-align: center;
  padding: 1rem; background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-md);
}
.appt-step-num {
  width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center;
  background: var(--brand-blue-soft); color: var(--brand-blue); font-weight: 800;
}
.appt-step.active .appt-step-num { background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-2)); color: #fff; }
.appt-step-lbl { font-size: .82rem; font-weight: 600; color: var(--text-body); }
.appt-step-content { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); }


/* ============================================================
   6. FORMS
   ============================================================ */
.form-group { margin-bottom: 1.4rem; }
.form-label {
  display: block;
  font-size: .8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .04em;
  color: var(--text-muted); margin-bottom: .4rem;
}
.form-control {
  width: 100%;
  padding: .85rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  background: #fff;
  color: var(--text-heading);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.form-control:focus {
  outline: none;
  border-color: var(--brand-blue);
  box-shadow: 0 0 0 4px var(--brand-blue-soft);
}
textarea.form-control { min-height: 140px; resize: vertical; }


/* ============================================================
   7. TOP INFO BAR + TICKER  (navy)
   ============================================================ */
#topInfoBar {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  font-size: .8rem;
  height: var(--topbar-h);
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding-inline: clamp(1rem, 4vw, 2rem);
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.top-bar-left { display: flex; align-items: center; gap: 1.25rem; white-space: nowrap; }
.top-bar-contact-link { color: rgba(255,255,255,.8); display: inline-flex; align-items: center; gap: .35rem; }
.top-bar-contact-link:hover { color: #fff; }
.top-bar-hours { color: rgba(255,255,255,.5); }

.top-bar-ticker { position: relative; flex: 1; overflow: hidden; height: 100%; }
.ticker-inner {
  display: flex; align-items: center; gap: 2rem; height: 100%;
  white-space: nowrap; width: max-content;
  animation: tickerScroll 48s linear infinite;
}
.tk-item { color: rgba(255,255,255,.6); display: inline-flex; gap: .4rem; align-items: center; }
.tk-val { font-weight: 700; }
.tk-val.tk-pos { color: #4ade80; }
.tk-val.tk-neg { color: #f87171; }
.tk-val.tk-neu { color: rgba(255,255,255,.85); }
.ticker-fade-l, .ticker-fade-r {
  position: absolute; top: 0; width: 48px; height: 100%; z-index: 2; pointer-events: none;
}
.ticker-fade-l { left: 0;  background: linear-gradient(90deg, var(--navy), transparent); }
.ticker-fade-r { right: 0; background: linear-gradient(270deg, var(--navy), transparent); }

.top-bar-right { white-space: nowrap; }
.amfi-badge {
  font-size: .68rem; font-weight: 700; letter-spacing: .08em;
  color: var(--gold-300);
  border: 1px solid rgba(201,168,76,.35);
  border-radius: var(--radius-pill);
  padding: .25rem .7rem;
}

@keyframes tickerScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}


/* ============================================================
   8. HEADER / PRIMARY NAV / MEGA MENU  (navy)
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  height: var(--header-h);
  display: flex;
  align-items: center;
  transition: box-shadow var(--dur) var(--ease), background var(--dur) var(--ease);
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(10,22,40,.28); background: var(--navy-2); }

.nav-wrapper { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; width: 100%; }

/* Logo */
.site-logo { display: inline-flex; }
.logo-text { display: flex; align-items: center; gap: .65rem; }
.logo-mark img { border-radius: 50%; object-fit: cover; }
.logo-words { display: flex; flex-direction: column; line-height: 1; }
.logo-name    { color: #fff; font-weight: 800; font-size: 1.05rem; letter-spacing: -.01em; }
.logo-tagline { color: var(--gold-300); font-weight: 700; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; }
.custom-logo-link img { max-height: 48px; width: auto; }

/* Desktop nav */
.nav-desktop { display: flex; align-items: center; gap: .35rem; }
.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: .3rem;
  color: rgba(255,255,255,.82);
  font-weight: 600; font-size: .94rem;
  padding: .6rem .85rem; border-radius: var(--radius-sm);
}
.nav-link:hover, .nav-link.active { color: #fff; background: rgba(255,255,255,.07); }
.nav-link .chevron { transition: transform var(--dur) var(--ease); }
.has-mega:hover .nav-link .chevron { transform: rotate(180deg); }

/* Mega menu */
.mega-menu {
  position: absolute; top: calc(100% + 14px); left: 50%; transform: translateX(-50%) translateY(10px);
  width: min(640px, 92vw);
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 1.5rem;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), visibility var(--dur);
  z-index: 1001;
}
/* Invisible hover bridge: fills the gap between the trigger and the panel
   so the menu doesn't close while the cursor travels down to it. */
.mega-menu::before {
  content: "";
  position: absolute;
  top: -18px; left: 0; right: 0;
  height: 18px;
}
.has-mega:hover .mega-menu,
.has-mega:focus-within .mega-menu {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.mega-section-label {
  font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--brand-blue); margin-bottom: 1rem;
}
.mega-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .35rem; }
.mega-item {
  display: flex; gap: .8rem; align-items: flex-start;
  padding: .7rem .8rem; border-radius: var(--radius-md);
  transition: background var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.mega-item:hover { background: var(--brand-blue-soft); transform: translateX(3px); }
.mega-icon { font-size: 1.2rem; line-height: 1.4; flex-shrink: 0; }
.mega-title { color: var(--text-heading); font-weight: 700; font-size: .92rem; }
.mega-desc  { color: var(--text-muted); font-size: .8rem; }

/* Nav actions */
.nav-actions { display: flex; align-items: center; gap: .85rem; }


/* ============================================================
   9. MOBILE DRAWER + HAMBURGER
   ============================================================ */
.hamburger { display: none; width: 30px; height: 24px; position: relative; flex-direction: column; justify-content: space-between; }
.hamburger span { display: block; height: 3px; width: 100%; background: #fff; border-radius: 3px; transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease); }
.hamburger.open span:nth-child(1) { transform: translateY(10.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-10.5px) rotate(-45deg); }

.mobile-drawer-overlay {
  position: fixed; inset: 0; background: rgba(10,22,40,.55);
  opacity: 0; visibility: hidden; transition: opacity var(--dur) var(--ease), visibility var(--dur); z-index: 1098;
}
.mobile-drawer-overlay.open { opacity: 1; visibility: visible; }

.mobile-drawer {
  position: fixed; top: 0; right: 0; height: 100dvh; width: min(360px, 86vw);
  background: var(--navy); z-index: 1099;
  transform: translateX(100%); transition: transform var(--dur) var(--ease);
  overflow-y: auto; padding: 1.5rem 1.25rem calc(2rem + env(safe-area-inset-bottom));
  -webkit-overflow-scrolling: touch;
}
.mobile-drawer.open { transform: translateX(0); }
.mobile-nav-link {
  display: flex; justify-content: space-between; align-items: center;
  color: rgba(255,255,255,.85); font-weight: 600; font-size: 1.05rem;
  padding: .95rem .25rem; border-bottom: 1px solid rgba(255,255,255,.07);
}
.mobile-nav-link.active { color: var(--gold-300); }
.mobile-chevron { transition: transform var(--dur) var(--ease); font-size: 1.4rem; color: rgba(255,255,255,.4); }
.mobile-nav-link.sub-open .mobile-chevron { transform: rotate(90deg); }
.mobile-sub-menu { max-height: 0; overflow: hidden; transition: max-height var(--dur) var(--ease); }
.mobile-sub-menu.open { max-height: 640px; }
.mobile-sub-link {
  display: flex; align-items: center; gap: .6rem;
  color: rgba(255,255,255,.6); font-size: .92rem; padding: .7rem .25rem .7rem 1rem;
}
.mobile-sub-link:hover { color: #fff; }
.sub-icon { width: 1.3rem; text-align: center; }
.mobile-drawer-cta { margin-top: 1.5rem; }


/* ============================================================
   10. HERO (HOME) + PAGE HERO
   ============================================================ */
/* Home hero — blue identity block with 3D ambient accents */
.hero-section {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--brand-blue) 0%, var(--brand-blue-2) 100%);
  color: #fff;
  padding: clamp(3.5rem, 8vw, 6.5rem) 0;
}
.hero-bg-orb { position: absolute; border-radius: 50%; filter: blur(8px); opacity: .35; pointer-events: none; }
.hero-bg-orb-1 { width: 420px; height: 420px; top: -120px; right: -80px; background: radial-gradient(circle, rgba(255,255,255,.5), transparent 60%); }
.hero-bg-orb-2 { width: 320px; height: 320px; bottom: -140px; left: -60px; background: radial-gradient(circle, rgba(45,127,249,.6), transparent 60%); }
.hero-bg-pattern { position: absolute; inset: 0; opacity: .06; background: repeating-linear-gradient(45deg,#fff 0,#fff 1px,transparent 0,transparent 22px); pointer-events: none; }

.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; }
.hero-tag {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.35);
  color: #fff; font-size: .82rem; font-weight: 600;
  border-radius: var(--radius-pill); padding: .45rem 1.1rem; margin-bottom: 1.25rem;
}
.hero-tag-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-300); box-shadow: 0 0 0 4px rgba(232,200,90,.25); }
.hero-title { color: #fff; text-transform: uppercase; }
.hero-title .line-gold { color: var(--gold-300); display: block; }
.hero-subtitle { color: rgba(255,255,255,.92); font-size: 1.1rem; margin: 1.25rem 0 2rem; max-width: 36ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; }
.hero-section .btn-outline { color: #fff; border-color: rgba(255,255,255,.6); }
.hero-section .btn-outline:hover { background: rgba(255,255,255,.14); color: #fff; border-color: #fff; }

/* Hero 3D flip card (signature element) — front: SIP growth · back: analytics */
.hero-visual { position: relative; perspective: 1600px; }
.hero-flip {
  position: relative;
  transform-style: preserve-3d;
  animation: utfHeroFlip 8s ease-in-out infinite;
  will-change: transform;
}
.hero-visual:hover .hero-flip { animation-play-state: paused; } /* pause to read */
.hero-face {
  background: #fff; color: var(--text-heading);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: 1.5rem;
  -webkit-backface-visibility: hidden; backface-visibility: hidden;
}
.hero-face-front { position: relative; }            /* defines height */
.hero-face-back  { position: absolute; inset: 0; transform: rotateY(180deg); }

/* Full 360° flip: front → back → front, holding each face so it's readable */
@keyframes utfHeroFlip {
  0%, 18%   { transform: rotateY(0deg); }
  42%, 64%  { transform: rotateY(180deg); }
  90%, 100% { transform: rotateY(360deg); }
}

/* Inner page hero — white with blue accent (NOT navy, per brief) */
.page-hero {
  background: var(--bg-soft);
  border-bottom: 1px solid var(--border);
  padding: clamp(2.5rem, 6vw, 4rem) 0;
}
.page-hero-content { max-width: 760px; }
.page-hero h1 { margin: .4rem 0 .75rem; }
.page-hero p { color: var(--text-muted); font-size: 1.08rem; }

/* Service hero with a faded background image — image is the section's own
   background (always behind content), gradient layer fades it for readability. */
.page-hero--bg {
  background-image:
    linear-gradient(100deg,
      rgba(247,249,252,.95) 0%,
      rgba(247,249,252,.90) 48%,
      rgba(247,249,252,.40) 66%,
      rgba(247,249,252,.10) 100%),
    var(--hero-img);
  background-size: cover, cover;
  background-position: center, right center;
  background-repeat: no-repeat, no-repeat;
}
@media (max-width: 768px) {
  .page-hero--bg {
    background-image:
      linear-gradient(180deg, rgba(247,249,252,.93) 45%, rgba(247,249,252,.55) 100%),
      var(--hero-img);
    background-position: center, center;
  }
}

/* Breadcrumb */
.utf-breadcrumb { font-size: .82rem; color: var(--text-faint); margin-bottom: .5rem; }
.utf-breadcrumb a { color: var(--text-muted); }
.utf-breadcrumb a:hover { color: var(--brand-blue); }
.utf-breadcrumb span[aria-current] { color: var(--brand-blue); font-weight: 600; }


/* ============================================================
   11. CARDS & 3D DEPTH UTILITIES
   ============================================================ */
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
/* The 3D lift — the agreed signature interaction */
.card-lift:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--brand-blue-line);
}
.card-icon {
  width: 52px; height: 52px; border-radius: var(--radius-md);
  display: grid; place-items: center; font-size: 1.4rem;
  background: var(--brand-blue-soft); color: var(--brand-blue);
  margin-bottom: 1rem;
}
.card h3 { font-size: 1.15rem; margin-bottom: .5rem; text-transform: none; }
.card p { color: var(--text-muted); font-size: .95rem; }


/* ============================================================
   12. STATS BAR / COUNTERS
   ============================================================ */
.stats-bar { background: var(--navy); color: #fff; }
.stats-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.5rem; text-align: center; }
.stat-num { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 800; color: var(--gold-300); line-height: 1; }
.stat-label { font-size: .82rem; color: rgba(255,255,255,.6); margin-top: .5rem; text-transform: uppercase; letter-spacing: .05em; }


/* ============================================================
   13. TESTIMONIALS SLIDER
   ============================================================ */
.testimonials-viewport { overflow: hidden; }
.testimonials-track { display: flex; gap: 24px; transition: transform .55s var(--ease); }
.testimonial-card {
  flex: 0 0 calc((100% - 48px) / 3);
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 1.75rem; box-shadow: var(--shadow-sm);
}
.testimonial-stars { color: var(--gold-500); margin-bottom: .75rem; }
.testimonial-quote { color: var(--text-body); font-size: .98rem; margin-bottom: 1.25rem; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--brand-blue-soft); display: grid; place-items: center; font-weight: 800; color: var(--brand-blue); }
.testimonial-name { font-weight: 700; color: var(--text-heading); font-size: .92rem; }
.testimonial-role { color: var(--text-faint); font-size: .8rem; }
.slider-controls { display: flex; justify-content: center; align-items: center; gap: 1rem; margin-top: 2rem; }
.slider-btn { width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--border); color: var(--brand-blue); display: grid; place-items: center; transition: all var(--dur) var(--ease); }
.slider-btn:hover { background: var(--brand-blue); color: #fff; border-color: var(--brand-blue); }
.slider-dots { display: flex; gap: .5rem; }
.t-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--border); transition: all var(--dur) var(--ease); }
.t-dot.active { background: var(--brand-blue); width: 26px; border-radius: 6px; }


/* ============================================================
   14. TEAM
   ============================================================ */
.team-card { text-align: center; }
.team-photo { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; margin: 0 auto 1rem; border: 4px solid var(--brand-blue-soft); }
.team-name { font-weight: 700; color: var(--text-heading); }
.team-role { color: var(--brand-blue); font-size: .88rem; font-weight: 600; }

/* ── Founder section: about.png as a faded background + founder author box ── */
.founder-section { position: relative; overflow: hidden; background: var(--bg-soft); }
.founder-bg {
  position: absolute; inset: 0; z-index: 0;
  background-size: cover; background-position: center;
  opacity: .85;
  filter: saturate(.92);
}
/* Scrim: keeps the photo visible but protects text (clean on the left, image shows toward the right) */
.founder-section::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(100deg,
    rgba(247,249,252,.96) 0%,
    rgba(247,249,252,.86) 30%,
    rgba(247,249,252,.52) 62%,
    rgba(247,249,252,.30) 100%);
}
.founder-section .container { position: relative; z-index: 2; }
.founder-layout { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; }

.founder-intro h2 { margin: .4rem 0 1rem; }
.founder-intro p { color: var(--text-body); font-size: 1.08rem; max-width: 46ch; }

/* Author box — founder photo shown broadly (full image, not a face crop) */
.founder-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); overflow: hidden;
}
.founder-portrait { position: relative; }
.founder-portrait img { width: 100%; height: auto; display: block; }   /* broad — no crop */
.founder-badge {
  position: absolute; left: 0; right: 0; bottom: 0;
  padding: 2rem 1.5rem 1rem;
  background: linear-gradient(to top, rgba(10,22,40,.94), rgba(10,22,40,.45) 55%, transparent);
}
.founder-badge .founder-name { color: #fff; font-size: 1.45rem; font-weight: 800; line-height: 1.1; }
.founder-badge .founder-role { color: var(--gold-300); font-size: .85rem; font-weight: 600; margin-top: .25rem; }
.founder-bio { color: var(--text-muted); font-style: italic; padding: 1.4rem 1.6rem 0; }
.founder-cta { padding: 1.25rem 1.6rem 1.6rem; }

/* ── Reusable: faded full-section background image ── */
.section--bgimg { position: relative; overflow: hidden; }
.section--bgimg > .section-bgimg {
  position: absolute; inset: 0; z-index: 0;
  background-size: cover; background-position: center;
  opacity: .70;                      /* faded backdrop */
  filter: saturate(.9);
  pointer-events: none;
}
.section--bgimg > .container { position: relative; z-index: 1; }


/* ============================================================
   15. FAQ ACCORDION
   ============================================================ */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-md); margin-bottom: .85rem; overflow: hidden; background: #fff; }
.faq-question { width: 100%; text-align: left; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.1rem 1.35rem; font-weight: 700; color: var(--text-heading); }
.faq-question::after { content: "+"; color: var(--brand-blue); font-size: 1.4rem; transition: transform var(--dur) var(--ease); }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height var(--dur) var(--ease); }
.faq-item.open .faq-answer { max-height: 400px; }
.faq-answer-inner { padding: 0 1.35rem 1.2rem; color: var(--text-muted); }


/* ============================================================
   16. NEWSLETTER STRIP
   ============================================================ */
.newsletter-strip { background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-2)); color: #fff; padding: clamp(2.5rem, 5vw, 4rem) 0; }
.newsletter-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: center; }
.newsletter-content .section-label { color: rgba(255,255,255,.85); }
.newsletter-content h3 { color: #fff; text-transform: none; }
.newsletter-content p { color: rgba(255,255,255,.9); }
.newsletter-input-wrap { display: flex; gap: .75rem; }
.newsletter-input-wrap .form-control { flex: 1; }
.newsletter-input-wrap .btn-primary { background: var(--navy); box-shadow: none; white-space: nowrap; }
.newsletter-input-wrap .btn-primary:hover { background: var(--navy-2); }
.newsletter-note { font-size: .78rem; color: rgba(255,255,255,.75); margin-top: .75rem; }


/* ============================================================
   17. FOOTER + BACK TO TOP  (navy)
   ============================================================ */
.site-footer { background: var(--navy); color: rgba(255,255,255,.7); padding-top: 3.5rem; }
.footer-accent-line { height: 3px; background: linear-gradient(90deg, var(--brand-blue), var(--gold-400)); }
.footer-main { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-block: 3rem; }
.footer-logo { display: flex; align-items: center; gap: .75rem; margin-bottom: 1.25rem; }

/* Sitemap page */
.sitemap-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2.25rem; }
.sitemap-title { font-size: 1.05rem; color: var(--navy); margin: 0 0 .9rem; padding-bottom: .5rem; border-bottom: 2px solid var(--brand-blue-soft); }
.sitemap-list { list-style: none; margin: 0; padding: 0; }
.sitemap-list li { margin: .55rem 0; }
.sitemap-list a { color: var(--text-body); text-decoration: none; transition: color .2s var(--ease); }
.sitemap-list a:hover { color: var(--brand-blue); }
.footer-brand-name { color: #fff; font-weight: 800; font-size: 1.1rem; }
.footer-brand-tag { color: var(--gold-300); font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; }
.footer-brand-desc { font-size: .9rem; line-height: 1.7; margin-bottom: 1.5rem; }
.footer-badges { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 1.5rem; }
.reg-badge { display: flex; gap: .6rem; align-items: center; background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); border-radius: var(--radius-md); padding: .65rem .9rem; }
.reg-badge-icon { font-size: 1.2rem; }
.reg-badge-title { color: #fff; font-weight: 700; font-size: .8rem; }
.reg-badge-num { color: var(--gold-300); font-size: .75rem; }
.footer-social { display: flex; gap: .6rem; }
.social-link { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.06); color: rgba(255,255,255,.7); transition: all var(--dur) var(--ease); }
.social-link:hover { background: var(--brand-blue); color: #fff; transform: translateY(-3px); }

.footer-col-title { color: #fff; font-size: .95rem; margin-bottom: 1.1rem; display: flex; align-items: center; gap: .5rem; text-transform: none; }
.footer-col-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-400); }
.footer-links li { margin-bottom: .6rem; }
.footer-links a { color: rgba(255,255,255,.65); font-size: .88rem; }
.footer-links a:hover { color: var(--gold-300); padding-left: 4px; }

.footer-contact-item { display: flex; gap: .75rem; margin-bottom: 1rem; }
.footer-contact-icon { font-size: 1.1rem; }
.footer-contact-label { color: rgba(255,255,255,.45); font-size: .72rem; text-transform: uppercase; letter-spacing: .05em; }
.footer-contact-value { color: rgba(255,255,255,.85); font-size: .88rem; }
.footer-contact-value a { color: rgba(255,255,255,.85); }
.footer-contact-value a:hover { color: var(--gold-300); }
.footer-contact-sub { color: rgba(255,255,255,.4); font-size: .75rem; }
.footer-regulatory { background: rgba(255,255,255,.03); border: 1px solid rgba(255,255,255,.07); border-radius: var(--radius-md); padding: 1rem; margin-top: 1.25rem; font-size: .72rem; line-height: 1.6; color: rgba(255,255,255,.55); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-block: 1.5rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.footer-bottom-legal { display: flex; gap: .6rem; flex-wrap: wrap; font-size: .82rem; }
.footer-bottom-legal a { color: rgba(255,255,255,.6); }
.footer-bottom-legal a:hover { color: var(--gold-300); }
.dot-sep { color: rgba(255,255,255,.3); }
.copyright { font-size: .82rem; color: rgba(255,255,255,.5); }
.copyright-brand { color: var(--gold-300); font-weight: 700; }

#backToTop {
  position: fixed; bottom: 24px; right: 24px; z-index: 900;
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--brand-blue); color: #fff; font-size: 1.3rem;
  box-shadow: var(--shadow-blue);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: all var(--dur) var(--ease);
}
#backToTop.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#backToTop:hover { background: var(--brand-blue-dark); transform: translateY(-3px); }


/* ============================================================
   18. CALCULATOR SCOPE  (navy + gold)
   Everything under .utf-calc uses the navy/gold identity so the
   calculator suite stays consistent with the downloadable reports.
   Calculator templates add class="utf-calc" on their <main>.
   ============================================================ */
.utf-calc { --accent: var(--gold-400); }

.utf-calc .page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%);
  border-bottom: none;
}
.utf-calc .page-hero h1 { color: #fff; }
.utf-calc .page-hero h1 span { color: var(--gold-300); }
.utf-calc .page-hero p { color: rgba(255,255,255,.7); }
.utf-calc .page-hero .section-label { color: var(--gold-300); }
.utf-calc .utf-breadcrumb,
.utf-calc .utf-breadcrumb a { color: rgba(255,255,255,.55); }

/* Calculator hero — full banner image (text is baked into the image) */
.utf-calc .calc-hero,
.calc-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 100%);
  padding: 1.25rem 0 1.5rem;
}
.calc-hero .utf-breadcrumb { margin-bottom: .85rem; }
.calc-hero-img {
  display: block; width: 100%; height: auto;
  border-radius: var(--radius-lg);
}

/* Calculator layout: input panel (navy) + result panel (darker navy) */
.calc-container { display: grid; grid-template-columns: 1.15fr .85fr; gap: 1.75rem; align-items: start; }
.calc-panel {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius-xl); padding: 2rem; box-shadow: var(--shadow-md);
}
.calc-panel h3 { color: var(--navy); }
.calc-result {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-3) 100%);
  border-radius: var(--radius-xl); padding: 2rem; color: #fff;
  box-shadow: var(--shadow-lg); position: sticky; top: calc(var(--total-header) + 16px);
}
.calc-amount { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 2.6rem); font-weight: 700; color: var(--gold-300); }
.result-growth-badge { display: inline-block; margin-top: .5rem; font-size: .85rem; font-weight: 700; color: #4ade80; }
.calc-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: rgba(255,255,255,.08); border-radius: var(--radius-md); overflow: hidden; margin-top: 1.5rem; }
.calc-breakdown-item { background: rgba(255,255,255,.03); padding: 1rem; text-align: center; }
.calc-breakdown-item .value { font-weight: 800; color: #fff; font-size: 1.05rem; }
.calc-breakdown-item .label { font-size: .72rem; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .04em; margin-top: .25rem; }

.calc-label-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .5rem; }
.calc-value-display { font-weight: 800; color: var(--navy); background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: .25rem .6rem; cursor: pointer; }

/* Range sliders — gold accent */
.form-range { width: 100%; -webkit-appearance: none; appearance: none; height: 6px; border-radius: 4px; background: var(--bg-soft-2); outline: none; }
.form-range::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--gold-400); border: 3px solid #fff; box-shadow: var(--shadow-sm); cursor: pointer; }
.form-range::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--gold-400); border: 3px solid #fff; cursor: pointer; }
.range-hints { display: flex; justify-content: space-between; font-size: .72rem; color: var(--text-faint); margin-top: .4rem; }

/* Homepage comparison calculator — result cards */
.cmp-cards { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1rem; }
.cmp-card {
  position: relative; background: #fff; border-radius: var(--radius-lg);
  padding: 1.1rem 1.25rem; box-shadow: var(--shadow-md); min-width: 0;
}
.cmp-card-name { color: var(--text-muted); font-size: .85rem; font-weight: 600; }
.cmp-val {
  color: var(--navy); font-weight: 800; font-family: var(--font-display);
  font-size: 1.4rem; line-height: 1.15; margin: .15rem 0;
  white-space: nowrap; overflow-wrap: normal;
}
.cmp-card-rate { color: var(--text-faint); font-size: .74rem; }

@media (max-width: 768px) {
  .cmp-cards { grid-template-columns: repeat(2, 1fr); gap: .7rem; }
  .cmp-cards .cmp-card { grid-column: span 1 !important; padding: .9rem 1rem; }
  .cmp-cards .cmp-card--best { grid-column: span 2 !important; } /* Mutual Funds spans full width */
  .cmp-val { font-size: 1.15rem; }
}
@media (max-width: 380px) {
  .cmp-val { font-size: 1.02rem; }
}

/* Presets */
.calc-presets { margin-top: 1.5rem; }
.preset-label { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); margin-bottom: .6rem; }
.preset-btns { display: flex; flex-wrap: wrap; gap: .5rem; }
.preset-btn { padding: .45rem .9rem; border-radius: var(--radius-pill); border: 1.5px solid var(--border); font-size: .82rem; font-weight: 600; color: var(--text-muted); transition: all var(--dur) var(--ease); }
.preset-btn:hover { border-color: var(--gold-400); color: var(--navy); }
.preset-btn.active { background: var(--navy); color: var(--gold-300); border-color: var(--navy); }

/* Donut */
.donut-chart-wrap { margin-top: 1.5rem; display: flex; align-items: center; gap: 1.25rem; }
.donut-chart { width: 110px; height: 110px; }
.donut-legend { display: flex; flex-direction: column; gap: .5rem; font-size: .82rem; color: rgba(255,255,255,.8); }
.donut-legend-item { display: flex; align-items: center; gap: .5rem; }
.dl-color { width: 12px; height: 12px; border-radius: 3px; }

/* Explainer */
.calc-explainer { margin-top: 3.5rem; background: var(--bg-soft); border-radius: var(--radius-xl); padding: 2.5rem; }
.calc-explainer h3 { color: var(--navy); margin-bottom: 1rem; }
.explainer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.5rem; margin-top: 1.5rem; }
.explainer-item { background: #fff; border-radius: var(--radius-md); padding: 1.5rem; box-shadow: var(--shadow-sm); }
.explainer-icon { font-size: 1.8rem; margin-bottom: .5rem; }
.explainer-item h4 { color: var(--navy); margin-bottom: .4rem; }
.explainer-item p { font-size: .9rem; color: var(--text-muted); }

/* Combined-calc helper colours (referenced by that template) */
.utf-calc .res-val,
.utf-calc .calc-input-val { font-family: var(--font-display); }


/* ============================================================
   19. TABLES (funds-table)
   ============================================================ */
.funds-table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-lg); }
.funds-table { width: 100%; border-collapse: collapse; font-size: .9rem; min-width: 560px; }
.funds-table thead th { background: var(--navy); color: #fff; text-align: left; padding: .85rem 1rem; font-weight: 700; font-size: .82rem; }
.funds-table tbody td { padding: .8rem 1rem; border-bottom: 1px solid var(--border); color: var(--text-body); }
.funds-table tbody tr:nth-child(even) td { background: var(--bg-soft); }
.funds-table tbody tr:hover td { background: var(--brand-blue-soft); }
.fund-name { font-weight: 700; color: var(--navy); }
.return-positive { color: var(--green-500); font-weight: 600; }
.return-negative { color: var(--red-500); font-weight: 600; }


/* ============================================================
   20. BLOG / ARTICLE / PAGINATION
   ============================================================ */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.post-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.post-thumb { aspect-ratio: 16 / 9; object-fit: cover; width: 100%; background: var(--bg-soft); }
.post-body { padding: 1.5rem; }
.post-cat { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--brand-blue); }
.post-title { font-size: 1.15rem; margin: .5rem 0; }
.post-title a { color: var(--text-heading); }
.post-title a:hover { color: var(--brand-blue); }
.post-meta { font-size: .8rem; color: var(--text-faint); }
.post-excerpt { color: var(--text-muted); font-size: .92rem; margin: .75rem 0 1rem; }

.single-content { max-width: 760px; margin: 0 auto; }
.single-content h2, .single-content h3 { margin: 2rem 0 1rem; text-transform: none; }
.single-content p { margin-bottom: 1.25rem; color: var(--text-body); }
.single-content img { border-radius: var(--radius-md); margin: 1.5rem 0; }
.single-content blockquote { border-left: 4px solid var(--brand-blue); background: var(--bg-soft); padding: 1rem 1.5rem; margin: 1.5rem 0; border-radius: 0 var(--radius-md) var(--radius-md) 0; }

.pagination { display: flex; justify-content: center; gap: .5rem; margin-top: 3rem; }
.pagination .page-numbers { display: grid; place-items: center; min-width: 42px; height: 42px; padding: 0 .5rem; border-radius: var(--radius-sm); border: 1px solid var(--border); color: var(--text-body); font-weight: 600; }
.pagination .page-numbers.current { background: var(--brand-blue); color: #fff; border-color: var(--brand-blue); }
.pagination .page-numbers:hover { border-color: var(--brand-blue); color: var(--brand-blue); }

/* Sidebar widgets */
.widget { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.5rem; margin-bottom: 1.5rem; }
.widget-title { font-size: 1rem; margin-bottom: 1rem; text-transform: none; }


/* ============================================================
   21. ANIMATIONS & MOTION
   ============================================================ */
.animate-fade-up { /* JS toggles opacity/transform via IntersectionObserver */ }
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
  .hero-flip { animation: none !important; transform: none !important; }
  .hero-face-back { display: none; }
  .ticker-inner { animation: none !important; }
}


/* ============================================================
   22. RESPONSIVE BREAKPOINTS
   Desktop-first overrides (base styles target large screens).
   Mobile-first authoring intent is preserved via min-width on
   nav reveal; layout collapses are min→max for clarity.
   ============================================================ */

/* ≤ 1024px — tablet landscape */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero-visual { max-width: 380px; margin: 0 auto; width: 100%; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); row-gap: 2rem; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .post-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-card { flex-basis: calc((100% - 24px) / 2); }
}

/* ≤ 980px — show hamburger, hide desktop nav + topbar */
@media (max-width: 980px) {
  #topInfoBar { display: none; }
  .nav-desktop { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .calc-container { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .newsletter-inner { grid-template-columns: 1fr; }
  .founder-layout { grid-template-columns: 1fr; gap: 2rem; }
  .founder-card { max-width: 480px; margin: 0 auto; width: 100%; }
  .founder-section::after {
    background: linear-gradient(180deg, rgba(247,249,252,.93), rgba(247,249,252,.74));
  }
}

/* ≤ 768px — tablet portrait */
@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .post-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-card { flex-basis: 100%; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ≤ 480px — mobile */
@media (max-width: 480px) {
  .footer-main { grid-template-columns: 1fr; gap: 2rem; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .newsletter-input-wrap { flex-direction: column; }
  .calc-panel, .calc-result, .calc-explainer { padding: 1.35rem; }
  .hero-actions .btn { width: 100%; }
  #backToTop { bottom: 16px; right: 16px; }
}