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

:root {
  --navy: #0a1628;
  --navy-mid: #112240;
  --navy-light: #1a3a5c;
  --gold: #c9a84c;
  --gold-light: #e8c96e;
  --gold-pale: #f5e9c8;
  --grey: #f4f6fa;
  --grey-mid: #e2e8f0;
  --grey-dark: #8a9ab5;
  --white: #ffffff;
  --text-primary: #0a1628;
  --text-secondary: #3d5278;
  --text-muted: #8a9ab5;
  --border: #d4dce8;
  --radius: 8px;
  --radius-lg: 16px;
  --shadow: 0 2px 16px rgba(10,22,40,0.08);
  --shadow-md: 0 8px 32px rgba(10,22,40,0.12);
  --shadow-lg: 0 16px 48px rgba(10,22,40,0.16);
  --transition: 0.25s ease;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

a { text-decoration: none; color: inherit; transition: color var(--transition); }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

.container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== HEADER ===== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: all var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 32px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.logo-mark {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.logo-mark svg { width: 20px; height: 20px; fill: var(--navy); }

.logo-text {
  font-family: 'Sora', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.5px;
}

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

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

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  color: rgba(255,255,255,0.8);
  font-size: 14px;
  font-weight: 500;
  border-radius: var(--radius);
  transition: all var(--transition);
  white-space: nowrap;
}

.nav-link:hover, .nav-link.active {
  color: var(--gold);
  background: rgba(201,168,76,0.08);
}

.nav-link .arrow {
  width: 12px;
  height: 12px;
  opacity: 0.6;
  transition: transform var(--transition);
}

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

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--navy-mid);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius-lg);
  padding: 8px;
  box-shadow: var(--shadow-lg);
  z-index: 100;
}

.nav-item:hover .dropdown { display: block; }

.dropdown a {
  display: block;
  padding: 10px 14px;
  color: rgba(255,255,255,0.75);
  font-size: 13.5px;
  border-radius: var(--radius);
  transition: all var(--transition);
}

.dropdown a:hover {
  background: rgba(201,168,76,0.1);
  color: var(--gold);
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 22px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 600;
  transition: all var(--transition);
  cursor: pointer;
}

.btn-outline {
  border: 1.5px solid rgba(255,255,255,0.25);
  color: rgba(255,255,255,0.85);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(201,168,76,0.3);
}

.btn-gold:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.4);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
}

.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-1px);
}

.btn-lg { padding: 14px 32px; font-size: 16px; }
.btn-sm { padding: 8px 16px; font-size: 13px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ===== MOBILE MENU ===== */
.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  width: 100%;
  height: calc(100vh - 72px);
  background: var(--navy);
  z-index: 999;
  overflow-y: auto;
  padding: 24px;
}

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

.mobile-nav-link {
  display: block;
  padding: 14px 0;
  color: rgba(255,255,255,0.8);
  font-size: 17px;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.mobile-nav-link:hover { color: var(--gold); }

.mobile-sub {
  padding-left: 16px;
}

.mobile-sub a {
  display: block;
  padding: 10px 0;
  color: rgba(255,255,255,0.6);
  font-size: 15px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--navy);
  overflow: hidden;
  padding-top: 72px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.18;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  z-index: 1;
}

.hero-gradient {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 40%;
  background: linear-gradient(to top, var(--navy), transparent);
  z-index: 2;
}

.hero-content {
  position: relative;
  z-index: 3;
  max-width: 720px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}

.hero-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--gold);
}

.hero h1 {
  font-size: clamp(40px, 6vw, 72px);
  color: var(--white);
  margin-bottom: 24px;
  letter-spacing: -1.5px;
}

.hero h1 em {
  font-style: normal;
  color: var(--gold);
}

.hero-desc {
  font-size: 18px;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 560px;
}

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

.hero-stats {
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  display: grid;
  gap: 16px;
  width: 340px;
}

.stat-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  backdrop-filter: blur(12px);
}

.stat-card-label {
  font-size: 12px;
  color: var(--grey-dark);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
}

.stat-card-value {
  font-family: 'Sora', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}

.stat-card-sub {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-top: 4px;
}

/* ===== SECTIONS ===== */
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-dark { background: var(--navy); }
.section-grey { background: var(--grey); }
.section-navy-mid { background: var(--navy-mid); }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.section-label::before {
  content: '';
  width: 20px;
  height: 1.5px;
  background: var(--gold);
}

.section-title {
  font-size: clamp(28px, 4vw, 48px);
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}

.section-title-white { color: var(--white); }

.section-subtitle {
  font-size: 17px;
  color: var(--text-secondary);
  line-height: 1.7;
  max-width: 620px;
}

.section-subtitle-light { color: rgba(255,255,255,0.6); }

.section-header { margin-bottom: 56px; }
.section-header-center { text-align: center; }
.section-header-center .section-subtitle { margin: 0 auto; }

/* ===== GRID ===== */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }

/* ===== CARDS ===== */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
}

.card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.card-dark {
  background: rgba(255,255,255,0.04);
  border-color: rgba(255,255,255,0.08);
}

.card-dark:hover {
  background: rgba(255,255,255,0.07);
  border-color: rgba(201,168,76,0.3);
}

.card-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-pale);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card-icon svg { width: 24px; height: 24px; color: var(--gold); fill: var(--gold); }

.card-dark .card-icon { background: rgba(201,168,76,0.1); }

.card h3 {
  font-size: 19px;
  margin-bottom: 10px;
}

.card-dark h3 { color: var(--white); }

.card p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.card-dark p { color: rgba(255,255,255,0.55); }

/* ===== CHART BARS ===== */
.mini-chart {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 48px;
  margin-top: 16px;
}

.bar {
  flex: 1;
  border-radius: 3px 3px 0 0;
  background: rgba(201,168,76,0.25);
  transition: all var(--transition);
}

.bar.up { background: rgba(72,187,120,0.5); }
.bar.down { background: rgba(245,101,101,0.4); }
.bar.gold { background: var(--gold); }

/* ===== TICKER ===== */
.ticker-wrap {
  background: rgba(201,168,76,0.06);
  border-top: 1px solid rgba(201,168,76,0.12);
  border-bottom: 1px solid rgba(201,168,76,0.12);
  overflow: hidden;
  padding: 12px 0;
}

.ticker-track {
  display: flex;
  gap: 48px;
  animation: ticker 30s linear infinite;
  white-space: nowrap;
}

@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
}

.ticker-symbol {
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  color: var(--gold);
}

.ticker-up { color: #48bb78; }
.ticker-down { color: #f56565; }

/* ===== INSIGHT CARDS ===== */
.insight-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.insight-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: var(--gold);
}

.insight-img {
  height: 200px;
  overflow: hidden;
}

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

.insight-card:hover .insight-img img { transform: scale(1.04); }

.insight-body {
  padding: 24px;
}

.insight-cat {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.insight-card h3 {
  font-size: 17px;
  margin-bottom: 10px;
  line-height: 1.4;
}

.insight-card h3 a:hover { color: var(--gold); }

.insight-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 16px;
}

.insight-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 12.5px;
  color: var(--text-muted);
}

/* ===== TABLE ===== */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.data-table th {
  text-align: left;
  padding: 14px 20px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

.data-table td {
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}

.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: var(--grey); }

.tag-up {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  background: rgba(72,187,120,0.1);
  color: #276749;
  border-radius: 20px;
  font-size: 12.5px;
  font-weight: 600;
}

.tag-down {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  background: rgba(245,101,101,0.1);
  color: #c53030;
  border-radius: 20px;
  font-size: 12.5px;
  font-weight: 600;
}

.tag-neutral {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  background: rgba(201,168,76,0.1);
  color: #7d5a00;
  border-radius: 20px;
  font-size: 12.5px;
  font-weight: 600;
}

/* ===== BREADCRUMB ===== */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 32px;
}

.breadcrumb a { color: var(--gold); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: var(--text-muted); }

/* ===== PAGE HERO ===== */
.page-hero {
  background: var(--navy);
  padding: 140px 0 72px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(rgba(201,168,76,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
}

.page-hero-content { position: relative; z-index: 1; }

.page-hero h1 {
  font-size: clamp(32px, 5vw, 56px);
  color: var(--white);
  margin-bottom: 16px;
}

.page-hero p {
  font-size: 18px;
  color: rgba(255,255,255,0.6);
  max-width: 580px;
  line-height: 1.7;
}

/* ===== SIDEBAR LAYOUT ===== */
.sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
  align-items: start;
}

.sidebar {
  position: sticky;
  top: 96px;
}

.sidebar-card {
  background: var(--grey);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
}

.sidebar-card h4 {
  font-size: 15px;
  margin-bottom: 16px;
  color: var(--navy);
}

/* ===== FORM ===== */
.form-group { margin-bottom: 20px; }

.form-label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 7px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 15px;
  color: var(--text-primary);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}

.form-control:focus { border-color: var(--gold); }

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

.form-success {
  display: none;
  background: rgba(72,187,120,0.1);
  border: 1px solid rgba(72,187,120,0.3);
  color: #276749;
  padding: 16px 20px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 500;
  margin-top: 16px;
}

.form-success.show { display: flex; align-items: center; gap: 10px; }

.consent-text {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-top: 12px;
}

.consent-text a { color: var(--gold); text-decoration: underline; }

/* ===== DONUT CHART VISUAL ===== */
.allocation-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 16px;
}

.alloc-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
}

.alloc-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* ===== PROGRESS BARS ===== */
.progress-wrap { margin-bottom: 16px; }

.progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

.progress-bar {
  height: 6px;
  background: var(--grey-mid);
  border-radius: 3px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 3px;
}

/* ===== RATING STARS ===== */
.rating {
  display: flex;
  gap: 3px;
}

.star { color: var(--gold); font-size: 16px; }
.star-empty { color: var(--grey-mid); font-size: 16px; }

/* ===== TAGS ===== */
.tag {
  display: inline-block;
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 12.5px;
  font-weight: 600;
  background: var(--gold-pale);
  color: #7d5a00;
}

/* ===== DIVIDER ===== */
.divider {
  height: 1px;
  background: var(--border);
  margin: 40px 0;
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--navy);
  padding: 80px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}

.footer-brand p {
  font-size: 15px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-top: 16px;
  max-width: 280px;
}

.footer-contact {
  margin-top: 24px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 14px;
  color: rgba(255,255,255,0.6);
}

.footer-contact-item svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }

.footer-col h5 {
  font-family: 'Sora', sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.5px;
  margin-bottom: 20px;
}

.footer-links { display: flex; flex-direction: column; gap: 10px; }

.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}

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

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-legal {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
  max-width: 680px;
}

.footer-policy-links {
  display: flex;
  gap: 20px;
  flex-shrink: 0;
}

.footer-policy-links a {
  font-size: 13px;
  color: rgba(255,255,255,0.4);
}

.footer-policy-links a:hover { color: var(--gold); }

/* ===== COOKIE BANNER ===== */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 20px 24px;
  z-index: 9999;
  display: none;
}

.cookie-banner.show { display: block; }

.cookie-inner {
  max-width: 1240px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.cookie-text {
  flex: 1;
  font-size: 14px;
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
  min-width: 280px;
}

.cookie-text a { color: var(--gold); text-decoration: underline; }

.cookie-btns {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
}

/* ===== HIGHLIGHT BOX ===== */
.highlight-box {
  background: var(--gold-pale);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.info-box {
  background: rgba(201,168,76,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius);
  padding: 20px 24px;
  font-size: 14.5px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.warning-box {
  background: rgba(237,137,54,0.08);
  border: 1px solid rgba(237,137,54,0.25);
  border-radius: var(--radius);
  padding: 20px 24px;
  font-size: 14.5px;
  color: #7b341e;
  line-height: 1.65;
}

/* ===== POLICY PAGES ===== */
.policy-content {
  max-width: 820px;
}

.policy-content h2 {
  font-size: 22px;
  margin: 40px 0 14px;
  color: var(--navy);
}

.policy-content h3 {
  font-size: 18px;
  margin: 28px 0 10px;
  color: var(--navy-light);
}

.policy-content p {
  font-size: 15.5px;
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 16px;
}

.policy-content ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}

.policy-content ul li {
  font-size: 15.5px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 8px;
}

.policy-content a { color: var(--gold); text-decoration: underline; }

.policy-meta {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  margin-bottom: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border);
}

.policy-meta-item {
  font-size: 13.5px;
  color: var(--text-muted);
}

.policy-meta-item strong {
  display: block;
  color: var(--text-primary);
  font-weight: 600;
  margin-bottom: 2px;
}

/* ===== ANALYST CARD ===== */
.analyst-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
  transition: all var(--transition);
}

.analyst-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.analyst-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 16px;
  border: 3px solid var(--gold-pale);
}

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

.analyst-card h4 { font-size: 17px; margin-bottom: 4px; }

.analyst-role {
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
}

.analyst-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ===== SUBSCRIPTION PLANS ===== */
.plan-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all var(--transition);
  position: relative;
}

.plan-card.featured {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.1);
}

.plan-tag {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy);
  font-size: 12px;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 20px;
  letter-spacing: 1px;
  text-transform: uppercase;
  white-space: nowrap;
}

.plan-name {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 10px;
}

.plan-price {
  font-family: 'Sora', sans-serif;
  font-size: 48px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.plan-price span {
  font-size: 18px;
  font-weight: 500;
  color: var(--text-muted);
}

.plan-period {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 28px;
}

.plan-features { margin-bottom: 28px; }

.plan-feature {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--grey-mid);
  font-size: 14.5px;
  color: var(--text-secondary);
}

.plan-feature:last-child { border-bottom: none; }

.plan-feature-check { color: #48bb78; font-size: 16px; flex-shrink: 0; }
.plan-feature-x { color: var(--grey-dark); font-size: 16px; flex-shrink: 0; }

/* ===== TABS ===== */
.tabs-nav {
  display: flex;
  gap: 4px;
  background: var(--grey);
  padding: 4px;
  border-radius: var(--radius);
  margin-bottom: 32px;
  overflow-x: auto;
}

.tab-btn {
  padding: 9px 20px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  white-space: nowrap;
}

.tab-btn.active {
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
  box-shadow: var(--shadow);
}

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

/* ===== FAQ ===== */
.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
  cursor: pointer;
  font-size: 16.5px;
  font-weight: 600;
  color: var(--navy);
  gap: 16px;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--grey);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 18px;
  color: var(--navy);
  transition: all var(--transition);
}

.faq-item.open .faq-icon {
  background: var(--gold);
  color: var(--navy);
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 0 22px;
  font-size: 15.5px;
  color: var(--text-secondary);
  line-height: 1.75;
}

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

/* ===== BACK TO TOP ===== */
.back-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 44px;
  height: 44px;
  background: var(--gold);
  border-radius: 50%;
  display: none;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 100;
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
}

.back-top:hover { transform: translateY(-3px); }
.back-top.show { display: flex; }

.back-top svg { width: 18px; height: 18px; fill: var(--navy); }

/* ===== SEARCH BOX ===== */
.search-box {
  position: relative;
}

.search-box input {
  width: 100%;
  padding: 12px 48px 12px 18px;
  border: 1.5px solid var(--border);
  border-radius: 40px;
  font-size: 15px;
  outline: none;
  transition: border-color var(--transition);
}

.search-box input:focus { border-color: var(--gold); }

.search-box svg {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  color: var(--text-muted);
}

/* ===== POLICY LAYOUT WITH TOC ===== */
.policy-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 56px;
  align-items: start;
}

.policy-toc {
  position: sticky;
  top: 100px;
  background: var(--grey-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}

.policy-toc h4 {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.policy-toc ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.policy-toc ul li {
  margin-bottom: 6px;
}

.policy-toc ul li a {
  font-size: 13.5px;
  color: var(--text-secondary);
  text-decoration: none;
  display: block;
  padding: 5px 8px;
  border-radius: 6px;
  transition: all var(--transition);
  line-height: 1.4;
}

.policy-toc ul li a:hover {
  background: var(--white);
  color: var(--gold);
}

.policy-updated {
  font-size: 13px;
  color: var(--text-muted);
  background: var(--grey-50);
  border: 1px solid var(--border);
  display: inline-block;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 32px;
}

/* ===== LEGAL BOX ===== */
.legal-box {
  background: var(--grey-50);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 16px 0 24px;
}

.legal-details-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14.5px;
}

.legal-details-table tr {
  border-bottom: 1px solid var(--border);
}

.legal-details-table tr:last-child {
  border-bottom: none;
}

.legal-details-table th {
  text-align: left;
  padding: 8px 16px 8px 0;
  color: var(--text-muted);
  font-weight: 500;
  width: 40%;
  vertical-align: top;
}

.legal-details-table td {
  padding: 8px 0;
  color: var(--text-primary);
  font-weight: 500;
}

/* ===== ANALYST CARD (EXPANDED) ===== */
.analyst-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.analyst-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.analyst-photo {
  width: 100%;
  aspect-ratio: 4/3;
  overflow: hidden;
  background: var(--grey);
}

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

.analyst-info {
  padding: 24px;
}

.analyst-info h3 {
  font-size: 20px;
  margin-bottom: 4px;
}

.analyst-title {
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.analyst-creds {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}

.cred-tag {
  font-size: 12px;
  padding: 3px 10px;
  border-radius: 20px;
  background: var(--gold-pale);
  color: var(--navy);
  font-weight: 600;
  border: 1px solid rgba(201,168,76,0.25);
}

.analyst-specialisms {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-top: 12px;
  line-height: 1.55;
}

.analyst-published {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 14px;
  font-size: 13px;
  color: var(--text-muted);
  border-top: 1px solid var(--border);
  padding-top: 14px;
}

.analyst-published svg {
  width: 14px;
  height: 14px;
  color: var(--gold);
}

/* ===== CREDENTIAL BLOCKS ===== */
.cred-block {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
}

.cred-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-pale);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.cred-icon svg {
  width: 20px;
  height: 20px;
  color: var(--gold-dark);
}

.cred-number {
  font-family: 'Sora', sans-serif;
  font-size: 40px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}

.cred-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy-light);
  margin-bottom: 10px;
}

.cred-block p {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ===== SUBSCRIPTION PLANS (REVISED) ===== */
.plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}

.plan-card-featured {
  border-color: var(--gold) !important;
  box-shadow: 0 0 0 4px rgba(201,168,76,0.12);
  transform: translateY(-6px);
}

.plan-popular-tag {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  padding: 4px 18px;
  border-radius: 20px;
  letter-spacing: 1px;
  text-transform: uppercase;
  white-space: nowrap;
}

.plan-header {
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}

.plan-price {
  display: flex;
  align-items: baseline;
  gap: 6px;
  margin: 12px 0 6px;
}

.plan-amount {
  font-family: 'Sora', sans-serif;
  font-size: 44px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}

.plan-currency {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-muted);
  align-self: flex-start;
  margin-top: 10px;
}

.plan-period {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 0;
}

.plan-desc {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-top: 10px;
}

.plan-features {
  list-style: none;
  padding: 0;
  margin: 0 0 28px;
}

.plan-features li {
  padding: 9px 0;
  font-size: 14px;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--grey-mid);
  display: flex;
  align-items: center;
  gap: 10px;
  line-height: 1.4;
}

.plan-features li:last-child { border-bottom: none; }

.plan-features li::before {
  flex-shrink: 0;
  font-size: 14px;
  font-weight: 700;
}

.feature-yes::before {
  content: "✓";
  color: #38a169;
}

.feature-no::before {
  content: "✕";
  color: var(--grey-dark);
}

.feature-no {
  color: var(--text-muted);
}

.btn-full {
  width: 100%;
  text-align: center;
  display: block;
}

.plan-note {
  font-size: 12.5px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 12px;
}

/* ===== BILLING TOGGLE ===== */
.billing-toggle {
  display: inline-flex;
  background: var(--grey);
  border-radius: 40px;
  padding: 4px;
  gap: 4px;
}

.billing-btn {
  padding: 9px 24px;
  border-radius: 40px;
  font-size: 14.5px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 8px;
}

.billing-btn.active {
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
  box-shadow: var(--shadow);
}

.save-tag {
  font-size: 11px;
  background: var(--gold);
  color: var(--navy);
  padding: 2px 8px;
  border-radius: 20px;
  font-weight: 700;
}

/* ===== COMPARISON TABLE ===== */
.comparison-table .table-section-header {
  background: var(--grey-50);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-muted);
  padding: 10px 16px;
}

.tick { color: #38a169; font-size: 16px; font-weight: 700; }
.cross { color: #c53030; font-size: 14px; }

/* ===== SUBSCRIPTION FAQ GRID ===== */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.faq-item-simple {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
}

.faq-item-simple h4 {
  font-size: 16px;
  margin-bottom: 10px;
  color: var(--navy);
}

.faq-item-simple p {
  font-size: 14.5px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin: 0;
}

/* ===== SITEMAP ===== */
.sitemap-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
}

.sitemap-section h3 {
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold);
  color: var(--navy);
}

.sitemap-section h3 svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
}

.sitemap-section ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.sitemap-section ul li {
  border-bottom: 1px solid var(--grey-mid);
}

.sitemap-section ul li a {
  display: block;
  padding: 10px 0 10px 12px;
  font-size: 14.5px;
  color: var(--text-secondary);
  text-decoration: none;
  border-left: 3px solid transparent;
  transition: all var(--transition);
}

.sitemap-section ul li a:hover {
  color: var(--gold);
  border-left-color: var(--gold);
  padding-left: 16px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {
  .hero-stats { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .sidebar-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .plans-grid { grid-template-columns: 1fr; }
  .plan-card-featured { transform: none; }
  .policy-layout { grid-template-columns: 1fr; }
  .policy-toc { position: static; }
  .faq-grid { grid-template-columns: 1fr; }
  .sitemap-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-policy-links { flex-wrap: wrap; gap: 12px; }
  .section { padding: 64px 0; }
  .hero h1 { font-size: 36px; }
  .hero-cta { flex-direction: column; align-items: flex-start; }
  .plans-grid { grid-template-columns: 1fr; }
  .policy-layout { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .sitemap-grid { grid-template-columns: 1fr; }
  .plan-price .plan-amount { font-size: 36px; }
  .legal-details-table th, .legal-details-table td { font-size: 13px; }
}