/* ═══════════════════════════════════════════════════════════
   RID ACADEMY — Design System & Global Styles
   Reducing Insurance Dependence Academy
   Version: 1.0.0 | March 2026
   ═══════════════════════════════════════════════════════════ */

/* ── CSS Custom Properties (Design Tokens) ── */
:root {
  /* Primary */
  --navy: #0F2B46;
  --navy-light: #1A3D5C;
  --navy-dark: #091E32;

  /* Secondary */
  --teal: #00B4A6;
  --teal-light: #33C3B8;
  --teal-dark: #008F84;
  --teal-bg: #E6F9F7;

  /* Accent */
  --coral: #FF6B35;
  --coral-light: #FF8A5C;
  --coral-dark: #E55A28;
  --coral-bg: #FFF0EB;

  /* Status */
  --green: #22C55E;
  --green-bg: #ECFDF5;
  --amber: #F59E0B;
  --amber-bg: #FFFBEB;
  --red: #EF4444;
  --red-bg: #FEF2F2;

  /* Neutrals */
  --text-primary: #1E293B;
  --text-secondary: #475569;
  --text-muted: #94A3B8;
  --border: #E2E8F0;
  --bg-subtle: #F8FAFC;
  --bg-white: #FFFFFF;

  /* Typography */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'DM Mono', 'Fira Code', monospace;

  /* Spacing */
  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 24px;
  --space-xl: 32px;
  --space-2xl: 48px;
  --space-3xl: 64px;
  --space-4xl: 96px;

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(15, 43, 70, 0.05);
  --shadow-md: 0 4px 12px rgba(15, 43, 70, 0.08);
  --shadow-lg: 0 12px 32px rgba(15, 43, 70, 0.12);
  --shadow-xl: 0 24px 48px rgba(15, 43, 70, 0.16);

  /* Transitions */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --duration: 200ms;

  /* Layout */
  --max-width: 1200px;
  --nav-height: 72px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--bg-white);
}

img, video { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-dark); text-decoration: none; transition: color var(--duration) var(--ease); }
a:hover { color: var(--teal); }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 5vw, 3rem); margin-bottom: var(--space-lg); }
h2 { font-size: clamp(1.5rem, 4vw, 2.25rem); margin-bottom: var(--space-md); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); margin-bottom: var(--space-md); }
h4 { font-size: 1.25rem; margin-bottom: var(--space-sm); }

p { margin-bottom: var(--space-md); color: var(--text-secondary); line-height: 1.7; }
p.large { font-size: 1.125rem; line-height: 1.8; }

.mono { font-family: var(--font-mono); }
.text-teal { color: var(--teal); }
.text-coral { color: var(--coral); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }

/* ── Layout ── */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

.section {
  padding: var(--space-4xl) 0;
}

.section-sm { padding: var(--space-3xl) 0; }
.section-lg { padding: 120px 0; }

.grid {
  display: grid;
  gap: var(--space-lg);
}

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

@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}
@media (min-width: 769px) and (max-width: 1024px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-col { flex-direction: column; }
.flex-wrap { flex-wrap: wrap; }
.gap-sm { gap: var(--space-sm); }
.gap-md { gap: var(--space-md); }
.gap-lg { gap: var(--space-lg); }
.gap-xl { gap: var(--space-xl); }

/* ── Navigation ── */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--nav-height);
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  z-index: 1000;
  transition: all var(--duration) var(--ease);
}

.nav.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-lg);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
}

.nav-logo span { color: var(--teal); }

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-xl);
  list-style: none;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--duration) var(--ease);
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--navy);
}

.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--teal);
  border-radius: 1px;
}

/* Mobile nav */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 1px;
  transition: all var(--duration) var(--ease);
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: var(--nav-height);
    left: 0;
    right: 0;
    bottom: 0;
    flex-direction: column;
    background: var(--bg-white);
    padding: var(--space-xl);
    gap: var(--space-lg);
    transform: translateX(100%);
    transition: transform 300ms var(--ease);
  }
  .nav-links.open { transform: translateX(0); }
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 12px 28px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  border: 2px solid transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--duration) var(--ease);
  text-decoration: none;
  white-space: nowrap;
}

.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary {
  background: var(--teal);
  color: white;
  border-color: var(--teal);
}
.btn-primary:hover { background: var(--teal-dark); border-color: var(--teal-dark); color: white; }

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--border);
}
.btn-secondary:hover { border-color: var(--navy); background: var(--bg-subtle); }

.btn-cta {
  background: var(--coral);
  color: white;
  border-color: var(--coral);
  box-shadow: 0 4px 16px rgba(255, 107, 53, 0.3);
}
.btn-cta:hover { background: var(--coral-dark); border-color: var(--coral-dark); color: white; box-shadow: 0 6px 20px rgba(255, 107, 53, 0.4); }

.btn-ghost {
  background: transparent;
  color: var(--teal);
  border-color: transparent;
  padding: 12px 16px;
}
.btn-ghost:hover { background: var(--teal-bg); }

.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }

.btn-icon {
  width: 44px;
  height: 44px;
  padding: 0;
  border-radius: var(--radius-full);
}

/* ── Cards ── */
.card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--duration) var(--ease);
}

.card:hover {
  box-shadow: var(--shadow-lg);
  border-color: transparent;
  transform: translateY(-2px);
}

.card-flat {
  background: var(--bg-subtle);
  border: none;
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
}

.card-highlight {
  background: var(--bg-white);
  border: 2px solid var(--teal);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
}

.card-icon {
  width: 56px;
  height: 56px;
  background: var(--teal-bg);
  color: var(--teal);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  font-size: 1.5rem;
}

.card-icon.coral { background: var(--coral-bg); color: var(--coral); }
.card-icon.navy { background: rgba(15, 43, 70, 0.08); color: var(--navy); }
.card-icon.green { background: var(--green-bg); color: var(--green); }

/* ── Hero ── */
.hero {
  padding-top: calc(var(--nav-height) + var(--space-4xl));
  padding-bottom: var(--space-4xl);
  position: relative;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 50%, var(--teal-dark) 100%);
  z-index: -1;
}

.hero-bg::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(circle at 70% 30%, rgba(0, 180, 166, 0.15) 0%, transparent 60%);
}

.hero h1 { color: white; max-width: 700px; }
.hero p { color: rgba(255, 255, 255, 0.8); max-width: 600px; font-size: 1.125rem; }

.hero-stats {
  display: flex;
  gap: var(--space-3xl);
  margin-top: var(--space-2xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-stat-value {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--teal-light);
  font-family: var(--font-mono);
  line-height: 1;
}

.hero-stat-label {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  margin-top: var(--space-xs);
}

@media (max-width: 768px) {
  .hero-stats { flex-direction: column; gap: var(--space-lg); }
}

/* ── Stats Bar ── */
.stats-bar {
  background: var(--bg-white);
  border-bottom: 1px solid var(--border);
  padding: var(--space-xl) 0;
}

.stat-item { text-align: center; }
.stat-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  font-family: var(--font-mono);
}
.stat-label {
  font-size: 0.8rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 2px;
}

/* ── Badges ── */
.badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  letter-spacing: 0.02em;
}

.badge-teal { background: var(--teal-bg); color: var(--teal-dark); }
.badge-coral { background: var(--coral-bg); color: var(--coral-dark); }
.badge-navy { background: rgba(15, 43, 70, 0.08); color: var(--navy); }
.badge-green { background: var(--green-bg); color: var(--green); }
.badge-amber { background: var(--amber-bg); color: var(--amber); }

/* ── Forms / Inputs ── */
.form-group { margin-bottom: var(--space-md); }

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: var(--space-xs);
}

.form-input {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-sans);
  font-size: 1rem;
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--bg-white);
  color: var(--text-primary);
  transition: all var(--duration) var(--ease);
  outline: none;
}

.form-input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(0, 180, 166, 0.1); }
.form-input.error { border-color: var(--red); }
.form-input::placeholder { color: var(--text-muted); }

.form-hint { font-size: 0.8rem; color: var(--text-muted); margin-top: var(--space-xs); }
.form-error { font-size: 0.8rem; color: var(--red); margin-top: var(--space-xs); }

select.form-input {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%2394A3B8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 44px;
}

/* ── Tables ── */
.table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--border); }

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

th {
  background: var(--navy);
  color: white;
  font-weight: 600;
  text-align: left;
  padding: 14px 18px;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

tr:nth-child(even) td { background: var(--bg-subtle); }
tr:last-child td { border-bottom: none; }
tr:hover td { background: var(--teal-bg); }

/* ── Calculator / Tool Styles ── */
.tool-container {
  max-width: 800px;
  margin: 0 auto;
}

.tool-header {
  text-align: center;
  margin-bottom: var(--space-2xl);
}

.tool-result {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: white;
  border-radius: var(--radius-lg);
  padding: var(--space-2xl);
  text-align: center;
  margin-top: var(--space-xl);
}

.tool-result-value {
  font-family: var(--font-mono);
  font-size: 3rem;
  font-weight: 800;
  color: var(--teal-light);
  line-height: 1;
}

.tool-result-label {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  margin-top: var(--space-sm);
}

.tool-result-sub {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
  margin-top: var(--space-xl);
  padding-top: var(--space-xl);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

@media (max-width: 600px) {
  .tool-result-sub { grid-template-columns: 1fr; }
  .tool-result-value { font-size: 2.25rem; }
}

/* Range slider */
.range-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
  margin: var(--space-sm) 0;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  background: var(--teal);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid white;
  box-shadow: var(--shadow-md);
}

/* ── Scorecard / Progress ── */
.progress-ring {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: conic-gradient(var(--teal) calc(var(--score) * 3.6deg), var(--border) 0);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
}

.progress-ring-inner {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  font-family: var(--font-mono);
}

.progress-bar {
  height: 8px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  background: var(--teal);
  border-radius: 4px;
  transition: width 600ms var(--ease);
}

/* ── Tags / Chips ── */
.tag {
  display: inline-block;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 500;
  background: var(--bg-subtle);
  color: var(--text-secondary);
  border-radius: var(--radius-full);
  border: 1px solid var(--border);
}

.tag:hover { background: var(--teal-bg); color: var(--teal-dark); border-color: var(--teal); }

/* ── Testimonial ── */
.testimonial {
  position: relative;
  padding: var(--space-xl);
  background: var(--bg-subtle);
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--teal);
}

.testimonial p {
  font-size: 1.05rem;
  font-style: italic;
  color: var(--text-primary);
  line-height: 1.8;
}

.testimonial-author {
  margin-top: var(--space-md);
  font-weight: 600;
  font-style: normal;
  color: var(--navy);
  font-size: 0.9rem;
}

/* ── Footer ── */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.7);
  padding: var(--space-4xl) 0 var(--space-xl);
}

.footer h4 { color: white; margin-bottom: var(--space-md); font-size: 0.95rem; }
.footer a { color: rgba(255, 255, 255, 0.6); font-size: 0.9rem; }
.footer a:hover { color: var(--teal-light); }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: var(--space-sm); }

.footer-bottom {
  margin-top: var(--space-3xl);
  padding-top: var(--space-xl);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
}

@media (max-width: 768px) {
  .footer-bottom { flex-direction: column; gap: var(--space-md); text-align: center; }
}

/* ── Blog / Article ── */
.article-card {
  display: flex;
  flex-direction: column;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--duration) var(--ease);
}

.article-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }

.article-card-img {
  height: 200px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}

.article-card-body { padding: var(--space-xl); flex: 1; display: flex; flex-direction: column; }
.article-card-body h3 { font-size: 1.1rem; margin-bottom: var(--space-sm); }
.article-card-body p { font-size: 0.9rem; flex: 1; }
.article-card-meta { font-size: 0.8rem; color: var(--text-muted); margin-top: var(--space-md); }

/* ── Filter Buttons ── */
.filter-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 18px;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  border: 2px solid var(--border);
  border-radius: var(--radius-full);
  background: var(--bg-white);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--duration) var(--ease);
  text-decoration: none;
  white-space: nowrap;
}

.filter-btn:hover {
  border-color: var(--teal);
  color: var(--teal);
  background: var(--teal-bg);
}

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

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

/* ── Glossary ── */
.glossary-letter {
  font-size: 2rem;
  font-weight: 800;
  color: var(--teal);
  padding: var(--space-md) 0;
  border-bottom: 2px solid var(--border);
  margin-top: var(--space-xl);
}

.glossary-term { font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.glossary-def { color: var(--text-secondary); margin-top: var(--space-xs); margin-bottom: var(--space-lg); }

/* ── Animations ── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes countUp {
  from { opacity: 0; transform: scale(0.8); }
  to { opacity: 1; transform: scale(1); }
}

.animate-in {
  opacity: 0;
  transform: translateY(24px);
  transition: all 600ms var(--ease);
}

.animate-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children */
.stagger > *:nth-child(1) { transition-delay: 0ms; }
.stagger > *:nth-child(2) { transition-delay: 80ms; }
.stagger > *:nth-child(3) { transition-delay: 160ms; }
.stagger > *:nth-child(4) { transition-delay: 240ms; }
.stagger > *:nth-child(5) { transition-delay: 320ms; }
.stagger > *:nth-child(6) { transition-delay: 400ms; }

/* No-JS fallback: show all elements if JS hasn't loaded */
@media (prefers-reduced-motion: reduce) {
  .animate-in { opacity: 1; transform: none; transition: none; }
}

/* ── Tool Cards ── */
.tool-card {
  display: flex;
  flex-direction: column;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--duration) var(--ease);
  height: 100%;
}

.tool-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: transparent;
  transform: translateY(-2px);
}

.tool-card h3 { margin-bottom: var(--space-md); }
.tool-card p { flex: 1; }

.tool-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: var(--space-md);
}

.tool-card-features {
  margin: var(--space-lg) 0;
}

/* ── Share Buttons ── */
.share-bar {
  display: flex;
  gap: var(--space-sm);
  margin-top: var(--space-md);
}

.share-btn {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-full);
  border: 1px solid var(--border);
  background: var(--bg-white);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--text-secondary);
  transition: all var(--duration) var(--ease);
}

.share-btn:hover { background: var(--teal); color: white; border-color: var(--teal); }

/* ── Utility Classes ── */
.mt-sm { margin-top: var(--space-sm); }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }
.mt-2xl { margin-top: var(--space-2xl); }
.mb-sm { margin-bottom: var(--space-sm); }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.mb-xl { margin-bottom: var(--space-xl); }
.mb-2xl { margin-bottom: var(--space-2xl); }

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

/* ── Mobile Refinements ── */
@media (max-width: 480px) {
  .container { padding: 0 var(--space-md); }
  .section { padding: var(--space-3xl) 0; }
  .section-lg { padding: var(--space-4xl) 0; }
  .hero { padding-top: calc(var(--nav-height) + var(--space-2xl)); padding-bottom: var(--space-2xl); }
  .hero-stat-value { font-size: 1.75rem; }
  .hero-stats { gap: var(--space-md); }
  p.large { font-size: 1rem; }
  .card { padding: var(--space-lg); }
  .card-flat { padding: var(--space-lg); }
  .testimonial { padding: var(--space-lg); }
  .btn { padding: 10px 20px; font-size: 0.9rem; }
  .btn-lg { padding: 14px 28px; font-size: 1rem; }
}

@media (max-width: 768px) {
  .hero h1 { max-width: 100%; }
  .hero p { max-width: 100%; }
  .section { padding: var(--space-3xl) 0; }
  .section-lg { padding: 80px 0; }
  .grid { gap: var(--space-md); }
  .article-card-img { height: 140px; }
}

/* ══════════════════════════════════════════════════════
   RESOURCES PAGE
   ══════════════════════════════════════════════════════ */
.resources-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light, #1a3a5c) 50%, var(--teal) 100%);
  padding: calc(var(--nav-height) + var(--space-3xl)) 0 var(--space-3xl);
  text-align: center;
  color: white;
}
.resources-hero h1 { font-size: clamp(2rem, 5vw, 3rem); margin-bottom: var(--space-sm); }
.resources-hero p { opacity: 0.85; font-size: 1.1rem; max-width: 600px; margin: 0 auto; }
.resources-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: var(--space-xl) var(--space-lg);
}
.filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm);
  margin-bottom: var(--space-xl);
}
.resources-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: var(--space-lg);
}
.resource-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  transition: all var(--duration) var(--ease);
  display: flex;
  flex-direction: column;
}
.resource-card:hover {
  border-color: var(--teal);
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}
.resource-icon {
  width: 48px; height: 48px;
  color: var(--teal);
  margin-bottom: var(--space-md);
}
.resource-type {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--teal);
  margin-bottom: var(--space-xs);
}
.resource-card h3 {
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: var(--space-sm);
  line-height: 1.3;
}
.resource-card p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  flex: 1;
}
.resource-note {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: var(--space-sm);
  margin-bottom: var(--space-md);
}
.btn-download {
  display: inline-block;
  padding: 10px 20px;
  background: var(--navy);
  color: white;
  border: none;
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--duration) var(--ease);
  align-self: flex-start;
}
.btn-download:hover { background: var(--teal); }

/* ══════════════════════════════════════════════════════
   NAV LINK (was missing)
   ══════════════════════════════════════════════════════ */
.nav-link {
  color: var(--text-secondary);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.9rem;
  transition: color var(--duration) var(--ease);
}
.nav-link:hover, .nav-link.active {
  color: var(--navy);
}

/* ══════════════════════════════════════════════════════
   ARTICLE / BLOG POST PAGES
   ══════════════════════════════════════════════════════ */
.article { max-width: 800px; margin: 0 auto; padding: var(--space-xl) var(--space-lg); }
.article-header { margin-bottom: var(--space-xl); }
.article-meta {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: var(--space-md);
}
.author, .publish-date, .reading-time { display: inline; }
.article-body { line-height: 1.8; color: var(--text-primary); }
.article-body h2 { font-size: 1.5rem; color: var(--navy); margin: var(--space-xl) 0 var(--space-md); }
.article-body h3 { font-size: 1.25rem; color: var(--navy); margin: var(--space-lg) 0 var(--space-sm); }
.article-body p { margin-bottom: var(--space-md); }
.article-body ul, .article-body ol { margin: var(--space-md) 0; padding-left: var(--space-lg); }
.article-body li { margin-bottom: var(--space-sm); }
.article-body blockquote {
  border-left: 4px solid var(--teal);
  margin: var(--space-lg) 0;
  padding: var(--space-md) var(--space-lg);
  background: var(--bg-light);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-style: italic;
}
.prose { line-height: 1.8; }
.prose h2 { font-size: 1.5rem; color: var(--navy); margin: var(--space-xl) 0 var(--space-md); }
.prose h3 { font-size: 1.25rem; color: var(--navy); margin: var(--space-lg) 0 var(--space-sm); }
.prose p { margin-bottom: var(--space-md); }
.prose ul, .prose ol { margin: var(--space-md) 0; padding-left: var(--space-lg); }
.prose li { margin-bottom: var(--space-sm); }
.prose table { width: 100%; border-collapse: collapse; margin: var(--space-lg) 0; }
.prose th, .prose td { padding: 12px 16px; border: 1px solid var(--border); text-align: left; }
.prose th { background: var(--bg-light); font-weight: 600; color: var(--navy); }

/* Table of Contents */
.toc {
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  margin-bottom: var(--space-xl);
}
.toc h3, .toc h4 { font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); margin-bottom: var(--space-sm); }
.toc ul { list-style: none; padding: 0; margin: 0; }
.toc li { margin-bottom: var(--space-xs); }
.toc a { color: var(--navy); text-decoration: none; font-size: 0.9rem; }
.toc a:hover { color: var(--teal); }

/* ══════════════════════════════════════════════════════
   FAQ SECTIONS
   ══════════════════════════════════════════════════════ */
.faq-section { margin: var(--space-xl) 0; }
.faq-section h2 { text-align: center; margin-bottom: var(--space-lg); }
.faq { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-sm);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--space-md) var(--space-lg);
  background: var(--bg-white);
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
}
.faq-question:hover { background: var(--bg-light); }
.faq-toggle {
  font-size: 1.2rem;
  color: var(--teal);
  transition: transform var(--duration) var(--ease);
  flex-shrink: 0;
  margin-left: var(--space-md);
}
.faq-item.open .faq-toggle { transform: rotate(45deg); }
.faq-answer {
  padding: 0 var(--space-lg) var(--space-md);
  color: var(--text-secondary);
  line-height: 1.7;
  display: none;
}
.faq-item.open .faq-answer { display: block; }

/* ══════════════════════════════════════════════════════
   TOOL INTERACTIVE ELEMENTS
   ══════════════════════════════════════════════════════ */
.input-section { margin-bottom: var(--space-lg); }
.input-group { margin-bottom: var(--space-md); }
.input-label {
  display: block;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--space-xs);
  font-size: 0.9rem;
}
.input-hint {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 4px;
}
.input-number {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 1rem;
}
.input-number:focus { border-color: var(--teal); outline: none; box-shadow: 0 0 0 3px rgba(0,180,166,0.15); }

/* Score display */
.scorecard-container { max-width: 800px; margin: 0 auto; }
.score-ring {
  width: 160px; height: 160px;
  border-radius: 50%;
  border: 8px solid var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-lg);
  position: relative;
}
.score-value {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--navy);
}
.progress-container { margin-bottom: var(--space-md); }

/* Dashboard */
.dashboard { padding: var(--space-xl) 0; }

/* Results display */
.results-card, .result-card {
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  margin-bottom: var(--space-md);
}
.result-value {
  font-size: 2rem;
  font-weight: 800;
  color: var(--coral);
}
.result-label {
  font-size: 0.85rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* Checklist */
.checklist-container { max-width: 800px; margin: 0 auto; }
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  padding: var(--space-md);
  border-bottom: 1px solid var(--border);
}
.checklist-checkbox {
  width: 24px; height: 24px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  flex-shrink: 0;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--duration) var(--ease);
}
.checklist-checkbox.checked {
  background: var(--teal);
  border-color: var(--teal);
  color: white;
}
.checklist-cta {
  text-align: center;
  margin-top: var(--space-xl);
}

/* Template pages */
.template { max-width: 800px; margin: 0 auto; padding: var(--space-xl) var(--space-lg); }
.template-box {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  margin-bottom: var(--space-lg);
}
.template-header { margin-bottom: var(--space-md); }
.template-content { line-height: 1.7; }
.template-actions {
  display: flex;
  gap: var(--space-md);
  margin-top: var(--space-lg);
}
.template-notes {
  background: rgba(0,180,166,0.08);
  border-left: 4px solid var(--teal);
  padding: var(--space-md);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-size: 0.9rem;
  margin-top: var(--space-md);
}

/* Form elements */
.form-checkbox, .form-radio {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  cursor: pointer;
  padding: var(--space-sm) 0;
}
.form-checkbox input, .form-radio input { width: 18px; height: 18px; accent-color: var(--teal); }

/* Color utility classes */
.teal { color: var(--teal); }
.coral { color: var(--coral); }
.amber { color: #f59e0b; }
.red { color: #ef4444; }
.positive { color: var(--teal); }
.negative { color: var(--coral); }
.neutral { color: var(--text-muted); }

/* Chart container */
.chart-container { margin: var(--space-lg) 0; position: relative; }

/* Summary cards */
.summary-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-align: center;
}
.summary-card h4 { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); margin-bottom: var(--space-xs); }
.summary-card .value { font-size: 1.8rem; font-weight: 800; color: var(--navy); }

/* Worksheet / Financial analysis */
.worksheet-section { margin-bottom: var(--space-xl); }
.metric-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
  text-align: center;
}
.metric-card .metric-value { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
.metric-card .metric-label { font-size: 0.8rem; color: var(--text-muted); }

/* ══════════════════════════════════════════════════════
   GLOSSARY PAGE
   ══════════════════════════════════════════════════════ */
.glossary-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: white;
  padding: calc(var(--nav-height) + var(--space-3xl)) 0 var(--space-3xl);
  text-align: center;
}
.glossary-hero h1 { color: white; font-size: clamp(2rem, 5vw, 3rem); margin-bottom: var(--space-md); }
.glossary-hero p { color: rgba(255,255,255,0.8); max-width: 700px; margin: 0 auto; font-size: 1.1rem; }

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
  margin: 0 auto;
}

.glossary-container { max-width: 1000px; margin: 0 auto; padding: var(--space-3xl) var(--space-lg); }
.glossary-controls { display: flex; flex-direction: column; gap: var(--space-md); margin-bottom: var(--space-2xl); }
.glossary-search {
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-family: var(--font-sans);
  width: 100%;
  transition: border-color var(--duration) var(--ease);
}
.glossary-search:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(0,180,166,0.1); }

.alphabet-nav { display: flex; flex-wrap: wrap; gap: var(--space-sm); }
.alphabet-link {
  padding: 6px 12px;
  border-radius: var(--radius-full);
  background: var(--bg-subtle);
  text-decoration: none;
  color: var(--navy);
  font-weight: 500;
  font-size: 0.85rem;
  transition: all var(--duration) var(--ease);
}
.alphabet-link:hover { background: var(--teal); color: white; }

.glossary-content { padding: var(--space-xl) 0; }
.glossary-section { margin-bottom: var(--space-3xl); }
.section-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--teal);
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-sm);
  border-bottom: 2px solid var(--teal-bg);
}

.glossary-term {
  margin-bottom: var(--space-xl);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid var(--border);
}
.glossary-term:last-child { border-bottom: none; }
.glossary-term h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--space-sm);
}
.glossary-term p { color: var(--text-secondary); line-height: 1.7; }
.glossary-def { color: var(--text-secondary); line-height: 1.7; }

.related-terms {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: var(--space-md);
}
.related-terms a {
  color: var(--teal);
  text-decoration: none;
}
.related-terms a:hover { text-decoration: underline; }

/* ══════════════════════════════════════════════════════
   RESOURCES CTA
   ══════════════════════════════════════════════════════ */
.resources-cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-lg);
  padding: var(--space-3xl);
  text-align: center;
  margin: var(--space-3xl) auto;
  max-width: 1200px;
  color: white;
}
.resources-cta h2 { color: white; margin-bottom: var(--space-md); }
.resources-cta p { color: rgba(255,255,255,0.8); margin-bottom: var(--space-lg); max-width: 600px; margin-left: auto; margin-right: auto; }

/* ══════════════════════════════════════════════════════
   FOCUS STATES FOR INTERACTIVE ELEMENTS
   ══════════════════════════════════════════════════════ */
.filter-btn:focus-visible,
.alphabet-link:focus-visible,
.btn-download:focus-visible,
.btn-primary:focus-visible,
.btn-cta:focus-visible,
.nav-link:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
}

/* ══════════════════════════════════════════════════════
   RESPONSIVE FIXES FOR NEW COMPONENTS
   ══════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .resources-grid { grid-template-columns: 1fr; }
  .filter-bar { gap: 6px; }
  .filter-btn { padding: 6px 12px; font-size: 0.8rem; }
  .article { padding: var(--space-md); }
  .template-actions { flex-direction: column; }
  .faq-question { padding: var(--space-sm) var(--space-md); font-size: 0.9rem; }
  .glossary-container { padding: var(--space-xl) var(--space-md); }
  .alphabet-nav { gap: 4px; }
  .alphabet-link { padding: 4px 8px; font-size: 0.8rem; }
  .glossary-search { padding: 10px 12px; font-size: 0.95rem; }
  .glossary-term h3 { font-size: 1rem; }
  .resources-cta { padding: var(--space-xl); margin: var(--space-xl) var(--space-md); }
}

@media (max-width: 480px) {
  .resources-hero { padding: calc(var(--nav-height) + var(--space-xl)) var(--space-md) var(--space-xl); }
  .resources-hero h1 { font-size: 1.5rem; }
  .resources-container { padding: var(--space-md); }
  .resource-card { padding: var(--space-md); }
}

/* ── Print ── */
@media print {
  .nav, .footer, .share-bar, .btn-cta { display: none; }
  body { font-size: 12pt; color: black; }
  .hero-bg { background: none; }
  .hero h1, .hero p { color: black; }
  .glossary-controls { display: none; }
  .alphabet-nav { display: none; }
  .glossary-section { page-break-inside: avoid; margin-bottom: 20px; }
  .glossary-term { page-break-inside: avoid; margin-bottom: 15px; }
  .resources-cta { display: none; }
}