/* =========================================================================
   TKC Financial Services - compiled stylesheet
   Concatenated from the 8 static HTML design files in assets/tkc-financial-services/
   Source of truth for layout & visual design.
   ========================================================================= */

/* ======================================================================
   From: css_Homepage_-_Financial_services.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  overflow: hidden; background: var(--navy);
}
.hero-video { position: absolute; inset: 0; z-index: 1; }
.hero-video video { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(26,31,46,0.84) 0%, rgba(34,41,60,0.70) 100%);
  z-index: 2;
}
.hero .container { position: relative; z-index: 3; padding-top: 160px; padding-bottom: 100px; }
.hero h1 {
  color: var(--white);
  font-size: clamp(36px, 5.5vw, 64px);
  letter-spacing: 2px; text-transform: uppercase;
  margin-bottom: 20px; max-width: 720px;
}
.hero-sub {
  color: var(--gray-200);
  font-size: clamp(16px, 1.8vw, 19px); font-weight: 300;
  max-width: 540px; margin-bottom: 36px; line-height: 1.75;
}
.hero-btns { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 44px; }
.hero-checks { display: flex; flex-wrap: wrap; gap: 28px; }
.hero-checks span {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600; letter-spacing: 0.3px;
}
.hero-checks .material-symbols-outlined { font-size: 18px; color: var(--orange); }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--gray-50); padding: 28px 0;
  overflow: hidden; border-bottom: 1px solid var(--gray-100);
}
.trust-bar p {
  text-align: center; font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 2.5px;
  color: var(--gray-400); margin-bottom: 18px;
}
.trust-track { display: flex; width: max-content; animation: scrollLogos 25s linear infinite; }
.trust-track:hover { animation-play-state: paused; }
.trust-set { display: flex; align-items: center; gap: 56px; padding: 0 28px; flex-shrink: 0; }
.trust-set span {
  font-family: var(--font-heading); font-size: 17px; font-weight: 700;
  color: var(--gray-400); letter-spacing: 2px; white-space: nowrap;
  opacity: 0.55; transition: opacity 0.3s;
}
.trust-set span:hover { opacity: 1; }
@keyframes scrollLogos {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============================================================
   PROBLEM / SOLUTION
   ============================================================ */
.problem-section { padding: var(--section-y) 0; background: var(--white); }
.problem-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.problem-grid h2 { font-size: clamp(28px, 3.8vw, 42px); margin-bottom: 24px; letter-spacing: -0.5px; }
.problem-grid p { font-size: 16px; line-height: 1.8; color: var(--gray-500); margin-bottom: 16px; }
.problem-grid .solution-text {
  color: var(--navy); font-weight: 600; font-size: 16px;
  border-left: 3px solid var(--orange); padding-left: 20px;
  margin-top: 28px; line-height: 1.75;
}
.problem-cta { margin-top: 32px; }
.problem-visual {
  width: 100%; aspect-ratio: 4/3; border-radius: 8px;
  background: linear-gradient(135deg, var(--finance-blue-light) 0%, #dbeafe 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.problem-visual-inner {
  position: relative; width: 80%; height: 70%;
  display: flex; flex-direction: column; gap: 12px; justify-content: center;
}
.pv-bar {
  height: 18px; border-radius: 4px;
  background: linear-gradient(90deg, var(--finance-blue), rgba(26,115,232,0.4));
  opacity: 0; transform: scaleX(0); transform-origin: left;
}
.pv-bar:nth-child(1) { width: 90%; }
.pv-bar:nth-child(2) { width: 72%; }
.pv-bar:nth-child(3) { width: 85%; }
.pv-bar:nth-child(4) { width: 60%; }
.pv-bar:nth-child(5) { width: 78%; }
.pv-bar:nth-child(6) { width: 95%; }
.pv-bar:nth-child(7) { width: 55%; }
.pv-icon {
  position: absolute; bottom: -20px; right: -20px;
  font-size: 180px; color: var(--finance-blue); opacity: 0.06; line-height: 1;
}

/* ============================================================
   FEATURED SPEAKERS
   ============================================================ */
.speakers-section { padding: var(--section-y) 0; background: var(--off-white); }
.speakers-section .section-header { text-align: center; margin-bottom: 52px; }
.speakers-section h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.speakers-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-bottom: 44px; }
.speaker-card {
  background: var(--white);
  border-bottom: 4px solid var(--orange);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.speaker-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-card-hover); }
.speaker-card-img { width: 100%; aspect-ratio: 3/4; position: relative; overflow: hidden; background: var(--gray-100); }
.speaker-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.speaker-card:hover .speaker-card-img img { transform: scale(1.04); }
/* Fallback avatar */
.speaker-avatar {
  width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 52px; font-weight: 700;
  color: rgba(255,255,255,0.85); text-transform: uppercase;
  background: linear-gradient(135deg, #1A1F2E 0%, #2d3654 50%, #1A73E8 100%);
}
.speaker-card-body { padding: 20px; }
.speaker-card-body h3 { font-size: 17px; margin-bottom: 6px; letter-spacing: -0.3px; }
.speaker-card-body .credential {
  font-size: 13px; color: var(--gray-500); margin-bottom: 12px; line-height: 1.45;
  display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden;
}
.speaker-card-body .tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.speaker-card-body .tags span {
  font-size: 11px; font-weight: 600; color: var(--orange);
  border: 1px solid rgba(225,87,38,0.20); background: rgba(225,87,38,0.04);
  padding: 3px 10px; border-radius: var(--radius-pill); letter-spacing: 0.3px;
}
.speaker-card-body .card-cta {
  font-family: var(--font-heading); font-size: 12px; font-weight: 700;
  color: var(--orange); text-transform: uppercase; letter-spacing: 0.8px;
  display: flex; align-items: center; gap: 6px; transition: gap 0.25s;
}
.speaker-card:hover .card-cta { gap: 10px; }
.speakers-section .section-footer { text-align: center; }

/* ============================================================
   MID-PAGE CTA BAND
   ============================================================ */
.cta-band {
  padding: 56px 0;
  background: var(--navy);
  text-align: center;
}
.cta-band h2 {
  color: var(--white);
  font-size: clamp(22px, 3vw, 34px);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 10px;
}
.cta-band p {
  color: var(--gray-200);
  font-size: 16px; font-weight: 300;
  margin-bottom: 28px;
  max-width: 560px; margin-left: auto; margin-right: auto;
}

/* ============================================================
   YOUR JOURNEY - WIRED STEPS
   ============================================================ */
.journey-section {
  padding: var(--section-y) 0;
  background: var(--white);
  position: relative;
}
.journey-header { text-align: center; margin-bottom: 64px; }
.journey-header h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.journey-header p { font-size: 16px; color: var(--gray-500); max-width: 520px; margin: 16px auto 0; line-height: 1.7; }
.journey-steps { position: relative; max-width: 900px; margin: 0 auto; }
/* Vertical wire */
.journey-steps::before {
  content: '';
  position: absolute;
  left: 32px;
  top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--orange), var(--gray-200), var(--orange));
}
.journey-step {
  display: flex;
  gap: 40px;
  padding-bottom: 56px;
  position: relative;
}
.journey-step:last-child { padding-bottom: 0; }
.journey-step-marker {
  flex-shrink: 0;
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 22px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  position: relative;
  z-index: 2;
  box-shadow: 0 4px 16px rgba(34,41,60,0.25);
  transition: background 0.3s, transform 0.3s;
}
.journey-step:hover .journey-step-marker { background: var(--orange); transform: scale(1.08); }
.journey-step-content { padding-top: 8px; flex: 1; }
.journey-step-content h3 {
  font-size: 20px; margin-bottom: 8px; letter-spacing: -0.3px;
  text-transform: uppercase;
}
.journey-step-content p { font-size: 15px; color: var(--gray-500); line-height: 1.7; max-width: 480px; }
.journey-cta { text-align: center; margin-top: 48px; }

/* ============================================================
   STATS
   ============================================================ */
.stats-section { padding: var(--section-y) 0; background: var(--navy); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
.stat-card { padding: 20px 0; }
.stat-number {
  font-family: var(--font-heading); font-weight: 700;
  font-size: clamp(40px, 5vw, 60px); color: var(--orange);
  line-height: 1; margin-bottom: 8px;
}
.stat-label { font-size: 12px; font-weight: 600; color: var(--gray-200); text-transform: uppercase; letter-spacing: 1.5px; }
.stats-section .stats-note { text-align: center; margin-top: 40px; font-size: 15px; color: rgba(255,255,255,0.35); font-style: italic; }

/* ============================================================
   TESTIMONIAL
   ============================================================ */
.testimonial-section {
  padding: var(--section-y) 0;
  background: var(--white);
  position: relative; overflow: hidden;
}
.testimonial-section .quote-mark {
  position: absolute; top: -30px; left: 8%;
  font-family: var(--font-heading); font-size: 280px; font-weight: 700;
  color: var(--orange); opacity: 0.06; line-height: 1; user-select: none;
}
.testimonial-content { max-width: 800px; margin: 0 auto; text-align: center; position: relative; z-index: 1; }
.testimonial-content blockquote {
  font-size: clamp(18px, 2.5vw, 24px); font-style: italic;
  color: var(--navy); line-height: 1.7; margin-bottom: 28px; font-weight: 400;
}
.testimonial-content cite {
  font-style: normal; font-size: 13px; font-weight: 700;
  color: var(--gray-500); text-transform: uppercase; letter-spacing: 1.2px;
}
.testimonial-cta { margin-top: 32px; }

/* ============================================================
   BLOG PREVIEW
   ============================================================ */
.blog-section { padding: var(--section-y) 0; background: var(--white); }
.blog-section .section-header { text-align: center; margin-bottom: 48px; }
.blog-section h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 44px; }
.blog-card {
  background: var(--white); border-radius: var(--radius-card);
  box-shadow: var(--shadow-card); overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); }
.blog-card-img {
  width: 100%; aspect-ratio: 16/9;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.blog-img-1 { background: linear-gradient(135deg, #1A1F2E, #22293C, #1A73E8); }
.blog-img-2 { background: linear-gradient(135deg, #22293C, #3b2a2a, #E15726); }
.blog-img-3 { background: linear-gradient(135deg, #1e2740, #2a3a5c, #F59E0B); }
.blog-card-img .blog-icon { font-size: 40px; color: rgba(255,255,255,0.25); }
.blog-card-img .blog-tag {
  position: absolute; top: 12px; left: 12px;
  font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--white); background: var(--orange);
  padding: 4px 12px; border-radius: var(--radius-pill);
}
.blog-card-body { padding: 24px; }
.blog-card-body .meta { font-size: 12px; color: var(--gray-400); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 10px; }
.blog-card-body h3 { font-size: 17px; margin-bottom: 10px; letter-spacing: -0.3px; line-height: 1.35; }
.blog-card-body p {
  font-size: 14px; color: var(--gray-500); line-height: 1.6;
  display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden;
}
.blog-section .section-footer { text-align: center; }

/* ============================================================
   CTA / LEAD CAPTURE
   ============================================================ */
.cta-section {
  padding: var(--section-y) 0;
  background: var(--navy);
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(225,87,38,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.cta-text h2 {
  color: var(--white); font-size: clamp(28px, 3.8vw, 42px);
  text-transform: uppercase; letter-spacing: 1px; margin-bottom: 20px;
}
.cta-text p { color: var(--gray-200); font-size: 16px; font-weight: 300; line-height: 1.7; margin-bottom: 32px; }
.cta-text ul { display: flex; flex-direction: column; gap: 14px; }
.cta-text ul li { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,0.8); font-size: 14px; }
.cta-text ul li .material-symbols-outlined { color: var(--orange); font-size: 20px; }
.cta-form-card {
  background: var(--white); border-radius: 14px; padding: 40px;
  box-shadow: 0 25px 60px rgba(0,0,0,0.3);
}
.cta-form-card h3 { font-size: 22px; margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.5px; }
.cta-form-card .form-sub { font-size: 14px; color: var(--gray-500); margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.form-row.full { grid-template-columns: 1fr; }
.form-field label { display: block; font-size: 11px; font-weight: 700; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 5px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 11px 14px;
  border: 1px solid var(--gray-200); border-radius: 6px;
  font-family: var(--font-body); font-size: 14px; color: var(--navy);
  transition: border-color 0.2s, box-shadow 0.2s; background: var(--gray-50);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--orange); box-shadow: 0 0 0 3px rgba(225,87,38,0.08);
}
.form-field textarea { resize: vertical; min-height: 80px; }
.cta-form-card .btn { width: 100%; justify-content: center; margin-top: 8px; }
.cta-form-card .form-note { text-align: center; font-size: 12px; color: var(--gray-400); margin-top: 14px; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .speakers-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .cta-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .journey-steps::before { left: 32px; }
}
@media (max-width: 768px) {
  .problem-grid { grid-template-columns: 1fr; gap: 40px; }
  .blog-grid { grid-template-columns: 1fr; }
  .speakers-grid { grid-template-columns: 1fr; max-width: 400px; margin-left: auto; margin-right: auto; }
  .hero h1 { font-size: clamp(28px, 8vw, 42px); }
  .hero-checks { flex-direction: column; gap: 12px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .journey-step { gap: 24px; }
  .journey-step-marker { width: 52px; height: 52px; font-size: 18px; }
  .journey-steps::before { left: 26px; }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
}

.anim-up { opacity: 0; transform: translateY(40px); }
@media (prefers-reduced-motion: reduce) {
  .anim-up { opacity: 1; transform: none; }
  .hero-video video { display: none; }
  .trust-track { animation: none; }
}


/* ======================================================================
   From: css_speakers.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   PAGE HERO (short)
   ============================================================ */
.page-hero {
  background: var(--navy);
  padding-top: 120px;
  padding-bottom: 60px;
  min-height: 300px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -150px; right: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(225,87,38,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(26,115,232,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.page-hero .container { position: relative; z-index: 2; text-align: center; }
.page-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4.5vw, 50px);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}
.page-hero p {
  color: var(--gray-200);
  font-size: clamp(15px, 1.6vw, 17px);
  font-weight: 300;
  max-width: 600px;
  margin: 0 auto 28px;
  line-height: 1.75;
}

/* ============================================================
   FILTER BAR
   ============================================================ */
.filter-section {
  padding: 28px 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  position: sticky;
  top: 64px;
  z-index: 50;
  transition: box-shadow 0.3s;
}
.filter-section.stuck {
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
}
.filter-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding-bottom: 4px;
}
.filter-bar::-webkit-scrollbar { display: none; }
.filter-pill {
  flex-shrink: 0;
  padding: 8px 20px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.3px;
  color: var(--gray-500);
  border: 1.5px solid var(--gray-200);
  background: transparent;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: all 0.25s ease;
  white-space: nowrap;
}
.filter-pill:hover {
  color: var(--orange);
  border-color: var(--orange);
}
.filter-pill.active {
  color: var(--white);
  background: var(--orange);
  border-color: var(--orange);
}

/* ============================================================
   SPEAKER GRID
   ============================================================ */
.speakers-section { padding: var(--section-y) 0; background: var(--off-white); }
.speakers-section .section-header { text-align: center; margin-bottom: 44px; }
.speakers-section h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.speakers-section .section-sub { font-size: 16px; color: var(--gray-500); max-width: 520px; margin: 14px auto 0; line-height: 1.7; }
.speakers-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 44px;
}
.speaker-card {
  background: var(--white);
  border-bottom: 4px solid var(--orange);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.speaker-card.hidden { display: none; }
.speaker-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-card-hover); }
.speaker-card-img { width: 100%; aspect-ratio: 3/4; position: relative; overflow: hidden; background: var(--gray-100); }
.speaker-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.speaker-card:hover .speaker-card-img img { transform: scale(1.04); }
.speaker-avatar {
  width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 52px; font-weight: 700;
  color: rgba(255,255,255,0.85); text-transform: uppercase;
}
.speaker-card-body { padding: 20px; }
.speaker-card-body h3 { font-size: 17px; margin-bottom: 6px; letter-spacing: -0.3px; }
.speaker-card-body .credential {
  font-size: 13px; color: var(--gray-500); margin-bottom: 12px; line-height: 1.45;
  display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden;
}
.speaker-card-body .tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.speaker-card-body .tags span {
  font-size: 11px; font-weight: 600; color: var(--orange);
  border: 1px solid rgba(225,87,38,0.20); background: rgba(225,87,38,0.04);
  padding: 3px 10px; border-radius: var(--radius-pill); letter-spacing: 0.3px;
}
.speaker-card-body .card-cta {
  font-family: var(--font-heading); font-size: 12px; font-weight: 700;
  color: var(--orange); text-transform: uppercase; letter-spacing: 0.8px;
  display: flex; align-items: center; gap: 6px; transition: gap 0.25s;
}
.speaker-card:hover .card-cta { gap: 10px; }

.no-results {
  grid-column: 1 / -1;
  text-align: center;
  padding: 64px 24px;
  display: none;
}
.no-results.visible { display: block; }
.no-results h3 { font-size: 22px; margin-bottom: 12px; }
.no-results p { color: var(--gray-500); font-size: 15px; margin-bottom: 24px; }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  padding: 56px 0;
  background: var(--navy);
  text-align: center;
}
.cta-band h2 {
  color: var(--white);
  font-size: clamp(22px, 3vw, 34px);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 10px;
}
.cta-band p {
  color: var(--gray-200);
  font-size: 16px; font-weight: 300;
  margin-bottom: 28px;
  max-width: 600px; margin-left: auto; margin-right: auto;
}

/* ============================================================
   FAQ SECTION
   ============================================================ */
.faq-section { padding: var(--section-y) 0; background: var(--white); }
.faq-section .section-header { text-align: center; margin-bottom: 52px; }
.faq-section h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--gray-100);
}
.faq-item summary {
  padding: 24px 0;
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: color 0.2s;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 400;
  color: var(--orange);
  flex-shrink: 0;
  transition: transform 0.3s;
}
.faq-item[open] summary::after {
  transform: rotate(45deg);
}
.faq-item summary:hover { color: var(--orange); }
.faq-answer {
  padding: 0 0 24px;
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.75;
  max-width: 680px;
}
.faq-answer p { margin-bottom: 12px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer a {
  color: var(--orange);
  font-weight: 600;
  transition: opacity 0.2s;
}
.faq-answer a:hover { opacity: 0.8; }

/* ============================================================
   BOTTOM CTA
   ============================================================ */
.bottom-cta {
  padding: var(--section-y) 0;
  background: var(--navy);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.bottom-cta::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(225,87,38,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.bottom-cta h2 {
  color: var(--white);
  font-size: clamp(26px, 3.5vw, 40px);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 14px;
  position: relative; z-index: 1;
}
.bottom-cta p {
  color: var(--gray-200);
  font-size: 16px;
  font-weight: 300;
  max-width: 500px;
  margin: 0 auto 32px;
  line-height: 1.7;
  position: relative; z-index: 1;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .speakers-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .speakers-grid { grid-template-columns: 1fr; max-width: 400px; margin-left: auto; margin-right: auto; }
  .page-hero h1 { font-size: clamp(24px, 7vw, 36px); }
  .footer-grid { grid-template-columns: 1fr; }
  .filter-section { top: 56px; }
}
@media (max-width: 480px) {
  .filter-pill { padding: 7px 16px; font-size: 12px; }
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
.anim-up { opacity: 0; transform: translateY(40px); }
@media (prefers-reduced-motion: reduce) {
  .anim-up { opacity: 1; transform: none; }
}


/* ======================================================================
   From: css_speaker-profile.css
   ====================================================================== */

:root{--navy:#22293C;--navy-deep:#1A1F2E;--navy-90:rgba(34,41,60,.92);--orange:#E15726;--orange-hover:#C94B20;--amber:#F59E0B;--finance-blue:#1A73E8;--finance-blue-light:#E8F0FE;--off-white:#FCFDFE;--gray-50:#F9FAFB;--gray-100:#F3F4F6;--gray-200:#E5E7EB;--gray-400:#9CA3AF;--gray-500:#6B7280;--gray-700:#374151;--white:#FFFFFF;--font-heading:'Jost',sans-serif;--font-body:'Inter',sans-serif;--section-y:clamp(48px,7vw,80px);--container:1200px;--radius-pill:9999px;--shadow-card:0 10px 15px -3px rgba(0,0,0,.08),0 4px 6px -4px rgba(0,0,0,.06);--shadow-glow:0 8px 25px rgba(226,87,37,.35)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}body{font-family:var(--font-body);color:var(--gray-700);background:var(--white);line-height:1.6;overflow-x:hidden}img{display:block;max-width:100%;height:auto}a{text-decoration:none;color:inherit}ul,ol{list-style:none}.container{max-width:var(--container);margin:0 auto;padding:0 24px}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:700;line-height:1.15;color:var(--navy)}
.gradient-text{background:linear-gradient(90deg,#E25A25 76.44%,#F59E0B 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.eyebrow{font-family:var(--font-body);font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--orange);margin-bottom:14px;display:block}.eyebrow--light{color:rgba(255,255,255,.5)}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-heading);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:1.2px;padding:14px 32px;border-radius:var(--radius-pill);border:none;cursor:pointer;transition:transform .3s,box-shadow .3s,background .3s}
.btn-primary{background:var(--orange);color:var(--white)}.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-glow);background:var(--orange-hover)}
.btn-outline-dark{background:var(--navy);color:var(--white);border:1.5px solid var(--navy)}.btn-outline-dark:hover{background:var(--navy-deep);border-color:var(--navy-deep);transform:translateY(-2px);box-shadow:0 8px 20px rgba(34,41,60,.3)}
.btn-secondary{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.5)}.btn-secondary:hover{background:rgba(255,255,255,.08);border-color:var(--white)}
.btn-text{background:none;border:none;padding:0;font-family:var(--font-heading);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--navy);display:inline-flex;align-items:center;gap:6px;cursor:pointer;transition:gap .3s,color .2s}.btn-text span{color:var(--orange)}.btn-text:hover{gap:10px;color:var(--orange)}
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;padding:18px 0;transition:background .4s,padding .3s,box-shadow .3s}.site-header.scrolled{background:var(--navy-90);backdrop-filter:blur(12px);padding:10px 0;box-shadow:0 4px 30px rgba(0,0,0,.2)}.site-header .container{display:flex;align-items:center;justify-content:space-between}.header-logo{display:flex;align-items:center;gap:12px}.header-logo img{height:34px;filter:brightness(0) invert(1)}.header-logo span{font-family:var(--font-body);font-size:10px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:rgba(255,255,255,.5);border-left:1px solid rgba(255,255,255,.15);padding-left:12px}.header-nav{display:flex;align-items:center;gap:28px}.header-nav a{color:rgba(255,255,255,.7);font-size:13px;font-weight:600;transition:color .2s;position:relative}.header-nav a:hover{color:var(--white)}.header-nav a::after{content:'';position:absolute;bottom:-4px;left:0;right:0;height:2px;background:var(--orange);transform:scaleX(0);transition:transform .3s}.header-nav a:hover::after{transform:scaleX(1)}.header-cta{margin-left:12px}.header-cta::after{display:none}.mobile-toggle{display:none;background:none;border:none;color:var(--white);cursor:pointer;font-size:28px}/* mobile-menu: see redesigned rules at end of file */@media(max-width:900px){.header-nav{display:none}.mobile-toggle{display:block}}
.breadcrumb-bar{padding:14px 0;background:var(--gray-50);border-bottom:1px solid var(--gray-100);margin-top:70px}.breadcrumb-bar nav{font-size:13px;color:var(--gray-400)}.breadcrumb-bar a{color:var(--gray-500);transition:color .2s}.breadcrumb-bar a:hover{color:var(--orange)}.breadcrumb-bar span{color:var(--gray-400);margin:0 6px}
.profile-hero{padding:48px 0 40px;background:var(--white)}.profile-hero-grid{display:grid;grid-template-columns:1fr 380px;gap:48px;align-items:start}.profile-hero-grid h1{font-size:clamp(32px,4vw,48px);margin-bottom:8px}.profile-tagline{font-size:17px;color:var(--gray-500);margin-bottom:16px;line-height:1.5}.profile-tags{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}.profile-tags span{font-size:12px;font-weight:600;color:var(--orange);border:1px solid rgba(225,87,38,.2);background:rgba(225,87,38,.04);padding:4px 14px;border-radius:var(--radius-pill)}.profile-btns{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:20px}.profile-fee-note{font-size:14px;color:var(--gray-500)}.profile-fee-note a{color:var(--orange);font-weight:600;cursor:pointer}.profile-fee-note a:hover{text-decoration:underline}.profile-photo{border-radius:8px;overflow:hidden;box-shadow:0 20px 40px rgba(0,0,0,.12)}.profile-photo img{width:100%;aspect-ratio:3/4;object-fit:cover}
.booking-bar{background:#F6F6F6;padding:16px 0;border-bottom:1px solid var(--gray-100)}.booking-bar h4{font-size:15px;text-align:center;color:var(--gray-700);font-weight:600}
.profile-tabs{position:sticky;top:58px;z-index:50;background:var(--navy);border-bottom:none;box-shadow:0 4px 16px rgba(0,0,0,.15)}.profile-tabs nav{display:flex;overflow-x:auto;scrollbar-width:none}.profile-tabs nav::-webkit-scrollbar{display:none}.profile-tabs a{padding:16px 20px;font-size:13px;font-weight:600;color:rgba(255,255,255,.55);white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:0;transition:color .2s,border-color .2s}.profile-tabs a:hover{color:var(--white)}.profile-tabs a.active{color:var(--white);border-bottom-color:var(--orange)}
.profile-section{padding:var(--section-y) 0}.profile-section:nth-child(even of .profile-section){background:var(--off-white)}.profile-section h2{font-size:clamp(24px,3vw,32px);margin-bottom:20px}
.bio-content{max-width:780px;font-size:16px;line-height:1.85}.bio-content p{margin-bottom:20px}.bio-hidden{display:none}.bio-toggle{background:none;border:none;color:var(--orange);font-weight:700;font-size:14px;cursor:pointer;padding:0;font-family:var(--font-body)}.bio-contact{margin-top:24px}
.video-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.video-placeholder{aspect-ratio:16/9;background:var(--gray-100);border-radius:8px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;cursor:pointer;transition:background .3s}.video-placeholder:hover{background:var(--gray-200)}.video-placeholder .material-symbols-outlined{font-size:48px;color:var(--gray-400)}.video-placeholder p{font-size:13px;color:var(--gray-500);font-weight:600;text-align:center;padding:0 16px}
.topics-list{max-width:780px}.topics-list details{border-bottom:1px solid var(--gray-100);padding:20px 0}.topics-list summary{font-family:var(--font-heading);font-size:17px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}.topics-list summary::after{content:'+';font-size:24px;color:var(--orange)}.topics-list details[open] summary::after{content:'\2212'}.topics-list .topic-body{padding:14px 0 0;font-size:15px;color:var(--gray-500);line-height:1.7}
.testimonial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}.testi-card{border-left:3px solid var(--orange);padding:24px 28px;background:var(--white);box-shadow:var(--shadow-card)}.testi-card blockquote{font-style:italic;font-size:15px;color:var(--navy);line-height:1.7;margin-bottom:14px}.testi-card cite{font-style:normal;font-size:13px;color:var(--gray-500);font-weight:600}
.books-grid{display:flex;gap:32px;flex-wrap:wrap}.book-item{display:flex;gap:20px;align-items:start;max-width:400px}.book-cover{width:120px;height:170px;background:linear-gradient(135deg,var(--navy),#2d3654);border-radius:4px;flex-shrink:0;display:flex;align-items:center;justify-content:center}.book-cover span{color:rgba(255,255,255,.3);font-size:36px}.book-info h3{font-size:17px;margin-bottom:6px}.book-info p{font-size:14px;color:var(--gray-500);margin-bottom:10px}.book-info a{font-size:13px;color:var(--orange);font-weight:700}
.insights-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.insights-episode{font-size:14px;color:var(--gray-500);margin-bottom:24px}.insights-episode a{color:var(--orange);font-weight:600}.clip-stack{display:flex;flex-direction:column;gap:12px}.clip-placeholder{aspect-ratio:16/9;background:var(--gray-100);border-radius:8px;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background .3s}.clip-placeholder:hover{background:var(--gray-200)}.clip-placeholder .material-symbols-outlined{font-size:40px;color:var(--gray-400)}.insights-quotes{display:flex;flex-direction:column;gap:24px;justify-content:center}.insight-quote{border-left:3px solid var(--orange);padding:16px 20px;font-style:italic;font-size:16px;color:var(--navy);line-height:1.7}.insight-quote cite{display:block;margin-top:8px;font-style:normal;font-size:12px;color:var(--gray-400);font-weight:600;text-transform:uppercase;letter-spacing:1px}
.planner-tabs-nav{display:flex;border-bottom:2px solid var(--gray-100);margin-bottom:28px;overflow-x:auto}.planner-tab-btn{padding:14px 24px;font-family:var(--font-heading);font-size:14px;font-weight:700;color:var(--gray-400);background:none;border:none;border-bottom:3px solid transparent;margin-bottom:-2px;cursor:pointer;white-space:nowrap;transition:color .2s,border-color .2s;text-transform:uppercase;letter-spacing:.5px}.planner-tab-btn.active{color:var(--orange);border-bottom-color:var(--orange)}.planner-tab-panel{display:none;font-size:15px;color:var(--gray-700);line-height:1.8;max-width:700px}.planner-tab-panel.active{display:block}.planner-list{display:flex;flex-direction:column;gap:14px;padding:0 0 0 20px;margin:0}.planner-list li{list-style:none;position:relative;font-size:15px;line-height:1.7;color:var(--gray-700);padding-left:0}.planner-list li::before{content:'';position:absolute;left:-20px;top:10px;width:7px;height:7px;border-radius:50%;background:var(--orange)}
.own-words-grid{display:grid;grid-template-columns:minmax(200px,360px) 1fr;gap:40px;align-items:center}.own-words-video{aspect-ratio:9/16;max-height:480px;background:var(--gray-100);border-radius:8px;display:flex;align-items:center;justify-content:center;margin:0 auto}.own-words-video .material-symbols-outlined{font-size:56px;color:var(--gray-400)}.own-words-quotes{display:flex;flex-direction:column;gap:24px}
.faq-list{max-width:780px}.faq-list details{border-bottom:1px solid var(--gray-100);padding:20px 0}.faq-list summary{font-family:var(--font-heading);font-size:16px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}.faq-list summary::after{content:'+';font-size:22px;color:var(--orange)}.faq-list details[open] summary::after{content:'\2212'}.faq-list .faq-body{padding:12px 0 0;font-size:15px;color:var(--gray-500);line-height:1.7}.faq-list .faq-cta{display:inline-flex;align-items:center;gap:5px;margin-top:10px;font-size:13px;font-weight:700;color:var(--orange);cursor:pointer;transition:gap .2s}.faq-list .faq-cta:hover{gap:8px}
.form-section{padding:var(--section-y) 0;background:var(--navy)}.form-section h2{color:var(--white);text-align:center}.inline-form{max-width:640px;margin:0 auto;background:var(--white);border-radius:14px;padding:40px;box-shadow:0 25px 60px rgba(0,0,0,.3)}.inline-form h3{font-size:22px;margin-bottom:6px;text-transform:uppercase}.inline-form .form-sub{font-size:14px;color:var(--gray-500);margin-bottom:24px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}.form-row.full{grid-template-columns:1fr}.form-field label{display:block;font-size:11px;font-weight:700;color:var(--gray-500);text-transform:uppercase;letter-spacing:.8px;margin-bottom:5px}.form-field input,.form-field textarea{width:100%;padding:11px 14px;border:1px solid var(--gray-200);border-radius:6px;font-family:var(--font-body);font-size:14px;color:var(--navy);background:var(--gray-50);transition:border-color .2s,box-shadow .2s}.form-field input:focus,.form-field textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(225,87,38,.08)}.form-field textarea{resize:vertical;min-height:80px}.inline-form .btn{width:100%;justify-content:center;margin-top:8px}.inline-form .form-note{text-align:center;font-size:12px;color:var(--gray-400);margin-top:14px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.speaker-card{background:var(--white);border-bottom:4px solid var(--orange);border-radius:2px;box-shadow:var(--shadow-card);overflow:hidden;transition:transform .35s,box-shadow .35s}.speaker-card:hover{transform:translateY(-8px);box-shadow:0 20px 40px -8px rgba(0,0,0,.15)}.speaker-card-img{width:100%;aspect-ratio:3/4;overflow:hidden;background:var(--gray-100)}.speaker-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}.speaker-card:hover .speaker-card-img img{transform:scale(1.04)}.speaker-card-body{padding:20px}.speaker-card-body h3{font-size:17px;margin-bottom:6px}.speaker-card-body .credential{font-size:13px;color:var(--gray-500);margin-bottom:12px;line-height:1.45}.speaker-card-body .tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:16px}.speaker-card-body .tags span{font-size:11px;font-weight:600;color:var(--orange);border:1px solid rgba(225,87,38,.2);background:rgba(225,87,38,.04);padding:3px 10px;border-radius:var(--radius-pill)}.speaker-card-body .card-cta{font-family:var(--font-heading);font-size:12px;font-weight:700;color:var(--orange);text-transform:uppercase;letter-spacing:.8px;display:flex;align-items:center;gap:6px;transition:gap .25s}.speaker-card:hover .card-cta{gap:10px}
.blog-posts-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.blog-card{background:var(--white);border-radius:2px;box-shadow:var(--shadow-card);overflow:hidden;transition:transform .35s}.blog-card:hover{transform:translateY(-4px)}.blog-card-img{width:100%;aspect-ratio:16/9}.blog-card-body{padding:20px}.blog-card-body .meta{font-size:12px;color:var(--gray-400);font-weight:600;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}.blog-card-body h3{font-size:16px;margin-bottom:8px;line-height:1.35}.blog-card-body p{font-size:14px;color:var(--gray-500)}
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.6);z-index:500;align-items:center;justify-content:center;padding:24px}.modal-overlay.open{display:flex}.modal-card{background:var(--white);border-radius:14px;max-width:560px;width:100%;padding:40px;position:relative;box-shadow:0 25px 60px rgba(0,0,0,.4);max-height:90vh;overflow-y:auto}.modal-close{position:absolute;top:16px;right:16px;background:none;border:none;font-size:28px;color:var(--gray-400);cursor:pointer}.modal-close:hover{color:var(--navy)}.modal-card h3{font-size:22px;margin-bottom:6px;text-transform:uppercase}.modal-card .form-sub{font-size:14px;color:var(--gray-500);margin-bottom:24px}
.site-footer{background:var(--navy-deep);padding:64px 0 32px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}.footer-brand img{height:30px;filter:brightness(0) invert(1);margin-bottom:16px}.footer-brand p{font-size:14px;color:rgba(255,255,255,.4);line-height:1.6;max-width:280px}.footer-col h4{color:var(--white);font-size:12px;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:16px}.footer-col a{display:block;color:rgba(255,255,255,.4);font-size:14px;padding:4px 0;transition:color .2s}.footer-col a:hover{color:var(--orange)}.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}.footer-bottom p{font-size:12px;color:rgba(255,255,255,.3)}.footer-bottom a{color:var(--orange);font-weight:600}
@media(max-width:1024px){.profile-hero-grid{grid-template-columns:1fr 320px}.insights-grid,.own-words-grid{grid-template-columns:1fr}.related-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:768px){.profile-hero-grid{grid-template-columns:1fr}.profile-photo{max-width:320px}.video-grid{grid-template-columns:1fr}.related-grid,.blog-posts-grid{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}}
.anim-up{opacity:0;transform:translateY(40px)}@media(prefers-reduced-motion:reduce){.anim-up{opacity:1;transform:none}}


/* ======================================================================
   From: css_about.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   ABOUT HERO (short)
   ============================================================ */
.about-hero {
  position: relative;
  display: flex; align-items: center;
  min-height: 350px;
  background: var(--navy);
  overflow: hidden;
}
.about-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 80%, rgba(225,87,38,0.08) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(26,115,232,0.06) 0%, transparent 50%);
  z-index: 1;
}
.about-hero .container {
  position: relative; z-index: 2;
  padding-top: 140px; padding-bottom: 60px;
  text-align: center;
}
.about-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4.5vw, 52px);
  letter-spacing: 1px;
  margin-bottom: 18px;
}
.about-hero-sub {
  color: var(--gray-200);
  font-size: clamp(15px, 1.6vw, 18px);
  font-weight: 300;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.8;
}

/* ============================================================
   OUR STORY
   ============================================================ */
.story-section { padding: var(--section-y) 0; background: var(--white); }
.story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.story-content .eyebrow { margin-bottom: 14px; }
.story-content h2 {
  font-size: clamp(26px, 3.5vw, 40px);
  letter-spacing: -0.5px;
  margin-bottom: 28px;
}
.story-content p {
  font-size: 16px;
  line-height: 1.85;
  color: var(--gray-500);
  margin-bottom: 20px;
}
.story-content p.emphasis {
  color: var(--navy);
  font-weight: 600;
  font-size: 17px;
  border-left: 3px solid var(--orange);
  padding-left: 20px;
  margin-top: 8px;
  line-height: 1.7;
}
.story-cta { margin-top: 32px; }
.story-photo {
  position: sticky;
  top: 120px;
}
.story-photo img {
  width: 100%;
  border-radius: 4px;
  box-shadow: var(--shadow-card);
}
.story-photo-caption {
  margin-top: 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  letter-spacing: 0.2px;
}
.story-photo-caption strong {
  color: var(--navy);
  font-weight: 700;
}

/* ============================================================
   WHY FINANCIAL SERVICES
   ============================================================ */
.why-section { padding: var(--section-y) 0; background: var(--off-white); }
.why-header { text-align: center; margin-bottom: 56px; }
.why-header h2 {
  font-size: clamp(26px, 3.5vw, 40px);
  letter-spacing: -0.5px;
  max-width: 600px;
  margin: 0 auto;
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 48px;
}
.why-card {
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 36px 28px;
  border-bottom: 4px solid var(--orange);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-card-hover); }
.why-card-icon {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--finance-blue-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.why-card-icon .material-symbols-outlined {
  font-size: 26px;
  color: var(--finance-blue);
}
.why-card h3 {
  font-size: 18px;
  margin-bottom: 12px;
  letter-spacing: -0.3px;
}
.why-card p {
  font-size: 15px;
  line-height: 1.75;
  color: var(--gray-500);
}
.why-cta { text-align: center; }

/* ============================================================
   TEAM
   ============================================================ */
.team-section { padding: var(--section-y) 0; background: var(--white); }
.team-header { text-align: center; margin-bottom: 48px; }
.team-header h2 {
  font-size: clamp(26px, 3.5vw, 40px);
  letter-spacing: -0.5px;
}
.team-card {
  max-width: 600px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  border-bottom: 4px solid var(--orange);
  display: grid;
  grid-template-columns: 220px 1fr;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.team-card-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 280px;
}
.team-card-body {
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.team-card-body h3 {
  font-size: 22px;
  margin-bottom: 4px;
}
.team-card-body .team-title {
  font-size: 13px;
  font-weight: 700;
  color: var(--orange);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}
.team-card-body p {
  font-size: 15px;
  line-height: 1.75;
  color: var(--gray-500);
}

/* ============================================================
   PARENT / CROSS-LINK
   ============================================================ */
.parent-section {
  padding: var(--section-y) 0;
  background: var(--gray-50);
  text-align: center;
}
.parent-section p {
  font-size: 17px;
  line-height: 1.8;
  color: var(--gray-500);
  max-width: 660px;
  margin: 0 auto 28px;
}
.parent-section .btn-text { font-size: 14px; }

/* ============================================================
   BOTTOM CTA
   ============================================================ */
.bottom-cta {
  padding: var(--section-y) 0;
  background: var(--navy);
  text-align: center;
}
.bottom-cta h2 {
  color: var(--white);
  font-size: clamp(28px, 4vw, 44px);
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}
.bottom-cta p {
  color: var(--gray-200);
  font-size: clamp(15px, 1.6vw, 18px);
  font-weight: 300;
  max-width: 520px;
  margin: 0 auto 36px;
  line-height: 1.75;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-deep);
  padding: 64px 0 0;
  color: rgba(255,255,255,0.55);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand img {
  height: 30px;
  filter: brightness(0) invert(1);
  margin-bottom: 16px;
}
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 320px; }
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 18px;
}
.footer-col a {
  display: block; font-size: 14px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 10px;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  font-size: 13px;
}
.footer-bottom a { color: var(--orange); transition: opacity 0.2s; }
.footer-bottom a:hover { opacity: 0.8; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
.anim-up {
  opacity: 0;
  transform: translateY(40px);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .story-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .story-photo {
    position: static;
    order: -1;
    max-width: 400px;
  }
  .why-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .team-card {
    grid-template-columns: 1fr;
    max-width: 400px;
  }
  .team-card-photo { min-height: 300px; }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}
@media (max-width: 600px) {
  .about-hero { min-height: 300px; }
  .about-hero .container { padding-top: 120px; padding-bottom: 48px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}


/* ======================================================================
   From: css_why-us.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-nav a.active { color: var(--white); }
.header-nav a.active::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   SHORT HERO
   ============================================================ */
.page-hero {
  position: relative;
  background: var(--navy);
  padding: 160px 0 80px;
  text-align: center;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 20% 80%, rgba(225,87,38,0.06) 0%, transparent 70%),
    radial-gradient(ellipse 50% 60% at 80% 20%, rgba(26,115,232,0.05) 0%, transparent 70%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 {
  color: var(--white);
  font-size: clamp(32px, 5vw, 56px);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 20px;
  max-width: 740px;
  margin-left: auto;
  margin-right: auto;
}
.page-hero p {
  color: var(--gray-200);
  font-size: clamp(16px, 1.6vw, 18px);
  font-weight: 300;
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ============================================================
   FIVE REASONS - ALTERNATING
   ============================================================ */
.reasons-section { padding: var(--section-y) 0; background: var(--white); }
.reason-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  margin-bottom: 80px;
}
.reason-row:last-child { margin-bottom: 0; }
.reason-row.reverse .reason-text { order: 2; }
.reason-row.reverse .reason-visual { order: 1; }
.reason-icon {
  width: 56px; height: 56px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(225,87,38,0.08), rgba(225,87,38,0.03));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.reason-icon .material-symbols-outlined {
  font-size: 28px;
  color: var(--orange);
}
.reason-text h3 {
  font-size: clamp(22px, 2.8vw, 30px);
  letter-spacing: -0.3px;
  margin-bottom: 16px;
  line-height: 1.2;
}
.reason-text p {
  font-size: 16px;
  color: var(--gray-500);
  line-height: 1.8;
  margin-bottom: 24px;
}
.reason-visual {
  width: 100%;
  aspect-ratio: 4/3;
  border-radius: 8px;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}
.reason-visual-inner {
  position: relative;
  width: 80%;
  height: 70%;
  display: flex;
  flex-direction: column;
  gap: 12px;
  justify-content: center;
}
.rv-icon {
  position: absolute;
  bottom: -20px;
  right: -20px;
  font-size: 160px;
  opacity: 0.07;
  line-height: 1;
  color: inherit;
}
.rv-1 { background: linear-gradient(135deg, var(--finance-blue-light) 0%, #dbeafe 100%); }
.rv-1 .rv-icon { color: var(--finance-blue); }
.rv-2 { background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%); }
.rv-2 .rv-icon { color: var(--amber); }
.rv-3 { background: linear-gradient(135deg, #ecfdf5 0%, #a7f3d0 100%); }
.rv-3 .rv-icon { color: #059669; }
.rv-4 { background: linear-gradient(135deg, #f0f0ff 0%, #c7d2fe 100%); }
.rv-4 .rv-icon { color: #6366f1; }
.rv-5 { background: linear-gradient(135deg, #fff1f2 0%, #fecdd3 100%); }
.rv-5 .rv-icon { color: var(--orange); }
.rv-bar {
  height: 14px;
  border-radius: 4px;
  opacity: 0;
  transform: scaleX(0);
  transform-origin: left;
}
.rv-1 .rv-bar { background: linear-gradient(90deg, var(--finance-blue), rgba(26,115,232,0.3)); }
.rv-2 .rv-bar { background: linear-gradient(90deg, var(--amber), rgba(245,158,11,0.3)); }
.rv-3 .rv-bar { background: linear-gradient(90deg, #059669, rgba(5,150,105,0.3)); }
.rv-4 .rv-bar { background: linear-gradient(90deg, #6366f1, rgba(99,102,241,0.3)); }
.rv-5 .rv-bar { background: linear-gradient(90deg, var(--orange), rgba(225,87,38,0.3)); }

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.compare-section { padding: var(--section-y) 0; background: var(--off-white); }
.compare-header { text-align: center; margin-bottom: 48px; }
.compare-header h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.compare-table-wrap {
  max-width: 880px;
  margin: 0 auto 44px;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}
.compare-table thead th {
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 18px 24px;
  text-align: left;
}
.compare-table thead th:first-child { width: 38%; }
.compare-table thead th:nth-child(2),
.compare-table thead th:nth-child(3) { width: 31%; }
.compare-table tbody td {
  padding: 18px 24px;
  font-size: 14px;
  line-height: 1.5;
  border-bottom: 1px solid var(--gray-100);
  vertical-align: top;
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:hover { background: var(--gray-50); }
.compare-table tbody td:first-child {
  font-weight: 600;
  color: var(--navy);
}
.compare-table .check {
  display: inline-flex;
  align-items: flex-start;
  gap: 8px;
  color: var(--gray-700);
}
.compare-table .check .material-symbols-outlined {
  font-size: 20px;
  color: #059669;
  flex-shrink: 0;
  margin-top: 1px;
}
.compare-table .cross {
  display: inline-flex;
  align-items: flex-start;
  gap: 8px;
  color: var(--gray-400);
}
.compare-table .cross .material-symbols-outlined {
  font-size: 20px;
  color: var(--gray-400);
  flex-shrink: 0;
  margin-top: 1px;
}
.compare-cta { text-align: center; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  padding: var(--section-y) 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.testimonials-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(225,87,38,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.testimonials-header { text-align: center; margin-bottom: 52px; position: relative; z-index: 1; }
.testimonials-header h2 {
  color: var(--white);
  font-size: clamp(28px, 3.8vw, 42px);
  letter-spacing: -0.5px;
}
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
  z-index: 1;
  margin-bottom: 44px;
}
.testimonial-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 36px 28px;
  backdrop-filter: blur(6px);
  transition: transform 0.35s ease, background 0.35s ease;
}
.testimonial-card:hover {
  transform: translateY(-6px);
  background: rgba(255,255,255,0.07);
}
.testimonial-card .quote-icon {
  font-size: 36px;
  color: var(--orange);
  opacity: 0.4;
  margin-bottom: 16px;
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1;
}
.testimonial-card blockquote {
  font-size: 15px;
  font-style: italic;
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  margin-bottom: 24px;
}
.testimonial-card cite {
  font-style: normal;
  font-size: 12px;
  font-weight: 700;
  color: rgba(255,255,255,0.35);
  text-transform: uppercase;
  letter-spacing: 1px;
  display: block;
}
.testimonials-cta { text-align: center; position: relative; z-index: 1; }

/* ============================================================
   BOTTOM CTA
   ============================================================ */
.bottom-cta {
  padding: var(--section-y) 0;
  background: var(--white);
  text-align: center;
}
.bottom-cta h2 {
  font-size: clamp(28px, 3.8vw, 42px);
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}
.bottom-cta p {
  font-size: 16px;
  color: var(--gray-500);
  line-height: 1.8;
  max-width: 560px;
  margin: 0 auto 36px;
}
.bottom-cta-btns {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .reason-row { gap: 40px; }
  .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .reason-row { grid-template-columns: 1fr; gap: 32px; }
  .reason-row.reverse .reason-text { order: 1; }
  .reason-row.reverse .reason-visual { order: 2; }
  .testimonial-grid { grid-template-columns: 1fr; max-width: 480px; margin-left: auto; margin-right: auto; }
  .compare-table-wrap { border-radius: 0; margin-left: -24px; margin-right: -24px; }
  .compare-table thead th,
  .compare-table tbody td { padding: 14px 16px; font-size: 13px; }
  .footer-grid { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: clamp(26px, 7vw, 38px); }
}
@media (max-width: 480px) {
  .compare-table thead th:first-child { width: 30%; }
  .compare-table thead th,
  .compare-table tbody td { padding: 12px 10px; font-size: 12px; }
  .bottom-cta-btns { flex-direction: column; align-items: center; }
}

.anim-up { opacity: 0; transform: translateY(40px); }
@media (prefers-reduced-motion: reduce) {
  .anim-up { opacity: 1; transform: none; }
}


/* ======================================================================
   From: css_blog.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   BLOG HERO
   ============================================================ */
.blog-hero {
  background: var(--navy);
  padding-top: 140px;
  padding-bottom: 60px;
  text-align: center;
}
.blog-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4.5vw, 48px);
  letter-spacing: 1px;
  margin-bottom: 16px;
}
.blog-hero p {
  color: var(--gray-200);
  font-size: clamp(15px, 1.6vw, 18px);
  font-weight: 300;
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ============================================================
   FEATURED ARTICLE
   ============================================================ */
.featured-section { padding: var(--section-y) 0; background: var(--white); }
.featured-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.featured-card:hover { box-shadow: var(--shadow-card-hover); }
.featured-img {
  position: relative;
  min-height: 380px;
  background: linear-gradient(135deg, #1A1F2E, #22293C, #1A73E8);
  display: flex;
  align-items: center;
  justify-content: center;
}
.featured-img .material-symbols-outlined {
  font-size: 80px;
  color: rgba(255,255,255,0.08);
}
.featured-tag {
  position: absolute;
  top: 20px;
  left: 20px;
  background: var(--orange);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
}
.featured-body {
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.featured-body h2 {
  font-size: clamp(22px, 2.8vw, 32px);
  letter-spacing: -0.3px;
  margin-bottom: 16px;
  line-height: 1.25;
}
.featured-body .excerpt {
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.75;
  margin-bottom: 20px;
}
.featured-meta {
  font-size: 13px;
  color: var(--gray-400);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.featured-meta .material-symbols-outlined { font-size: 16px; }

/* ============================================================
   ARTICLE GRID
   ============================================================ */
.articles-section { padding: var(--section-y) 0; background: var(--off-white); }
.articles-section .section-header { text-align: center; margin-bottom: 48px; }
.articles-section h2 {
  font-size: clamp(26px, 3.5vw, 38px);
  letter-spacing: -0.3px;
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); }
.blog-card-img {
  position: relative;
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.blog-card-img .material-symbols-outlined {
  font-size: 56px;
  color: rgba(255,255,255,0.1);
}
.blog-card-img .card-tag {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 5px 12px;
  border-radius: var(--radius-pill);
}
.blog-img-1 { background: linear-gradient(135deg, #1A1F2E 0%, #22293C 50%, #1A73E8 100%); }
.blog-img-2 { background: linear-gradient(135deg, #22293C 0%, #1A1F2E 40%, #E15726 100%); }
.blog-img-3 { background: linear-gradient(135deg, #1A73E8 0%, #1A1F2E 60%, #22293C 100%); }
.blog-img-4 { background: linear-gradient(135deg, #1A1F2E 0%, #F59E0B 50%, #E15726 100%); }
.blog-img-5 { background: linear-gradient(135deg, #22293C 0%, #1A73E8 50%, #1A1F2E 100%); }
.blog-img-6 { background: linear-gradient(135deg, #E15726 0%, #1A1F2E 50%, #1A73E8 100%); }

.blog-card-body { padding: 24px; }
.blog-card-meta {
  font-size: 12px;
  color: var(--gray-400);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.blog-card-meta .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--gray-400); }
.blog-card-body h3 {
  font-size: 17px;
  letter-spacing: -0.2px;
  margin-bottom: 10px;
  line-height: 1.35;
}
.blog-card-body .card-excerpt {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.65;
  margin-bottom: 16px;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.blog-card-body .btn-text { font-size: 12px; }

/* ============================================================
   NEWSLETTER
   ============================================================ */
.newsletter-section {
  padding: var(--section-y) 0;
  background: var(--navy);
  text-align: center;
}
.newsletter-section h2 {
  color: var(--white);
  font-size: clamp(26px, 3.5vw, 38px);
  letter-spacing: -0.3px;
  margin-bottom: 16px;
}
.newsletter-section > .container > p {
  color: var(--gray-200);
  font-size: 16px;
  font-weight: 300;
  max-width: 560px;
  margin: 0 auto 32px;
  line-height: 1.75;
}
.newsletter-form {
  display: flex;
  justify-content: center;
  gap: 0;
  max-width: 480px;
  margin: 0 auto 16px;
}
.newsletter-form input[type="email"] {
  flex: 1;
  padding: 14px 20px;
  border: 1.5px solid rgba(255,255,255,0.15);
  border-right: none;
  border-radius: var(--radius-pill) 0 0 var(--radius-pill);
  background: rgba(255,255,255,0.06);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 14px;
  outline: none;
  transition: border-color 0.3s;
}
.newsletter-form input[type="email"]::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form input[type="email"]:focus { border-color: var(--orange); }
.newsletter-form button {
  padding: 14px 28px;
  border: none;
  border-radius: 0 var(--radius-pill) var(--radius-pill) 0;
  background: var(--orange);
  color: var(--white);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  cursor: pointer;
  transition: background 0.3s;
  white-space: nowrap;
}
.newsletter-form button:hover { background: var(--orange-hover); }
.newsletter-note {
  font-size: 12px;
  color: rgba(255,255,255,0.35);
}

/* ============================================================
   BOTTOM CTA
   ============================================================ */
.bottom-cta {
  padding: var(--section-y) 0;
  background: var(--white);
  text-align: center;
}
.bottom-cta h2 {
  font-size: clamp(26px, 3.5vw, 38px);
  letter-spacing: -0.3px;
  margin-bottom: 16px;
}
.bottom-cta p {
  font-size: 16px;
  color: var(--gray-500);
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.75;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .featured-card { grid-template-columns: 1fr; }
  .featured-img { min-height: 280px; }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .blog-grid { grid-template-columns: 1fr; }
  .featured-body { padding: 32px 24px; }
  .newsletter-form { flex-direction: column; gap: 12px; }
  .newsletter-form input[type="email"] { border-right: 1.5px solid rgba(255,255,255,0.15); border-radius: var(--radius-pill); }
  .newsletter-form button { border-radius: var(--radius-pill); }
  .footer-grid { grid-template-columns: 1fr; }
  .blog-hero h1 { font-size: clamp(26px, 7vw, 36px); }
}

.anim-up { opacity: 0; transform: translateY(40px); }
@media (prefers-reduced-motion: reduce) {
  .anim-up { opacity: 1; transform: none; }
}


/* ======================================================================
   From: css_blog-article.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   READING PROGRESS BAR
   ============================================================ */
.reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  width: 0%;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--amber));
  z-index: 200;
  transition: width 0.1s linear;
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   ARTICLE HERO
   ============================================================ */
.article-hero {
  background: url('images/blog/conference-speaker.jpg') center/cover no-repeat;
  padding: 160px 0 64px;
  position: relative;
  overflow: hidden;
}
.article-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,31,46,0.88) 0%, rgba(34,41,60,0.78) 40%, rgba(26,115,232,0.6) 100%);
  z-index: 1;
}
.article-hero > * { position: relative; z-index: 2; }
.article-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(225,87,38,0.06) 0%, transparent 70%);
  pointer-events: none;
  z-index: 2;
}
.article-breadcrumb {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.article-breadcrumb a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.article-breadcrumb a:hover { color: var(--white); }
.article-breadcrumb .sep { color: rgba(255,255,255,0.25); }
.article-category {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 20px;
  display: block;
}
.article-hero h1 {
  color: var(--white);
  font-size: clamp(28px, 4.5vw, 48px);
  letter-spacing: -0.5px;
  line-height: 1.15;
  max-width: 760px;
  margin-bottom: 24px;
}
.article-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.article-meta .dot { width: 4px; height: 4px; border-radius: 50%; background: rgba(255,255,255,0.3); }
.share-row {
  display: flex;
  align-items: center;
  gap: 10px;
}
.share-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.05);
  color: rgba(255,255,255,0.6);
  cursor: pointer;
  transition: all 0.25s ease;
  position: relative;
  font-size: 18px;
}
.share-btn:hover {
  border-color: var(--orange);
  background: rgba(225,87,38,0.1);
  color: var(--orange);
}
.share-btn .material-symbols-outlined { font-size: 18px; }
.share-btn svg { width: 16px; height: 16px; fill: currentColor; }
.share-btn .tooltip {
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--navy);
  color: var(--white);
  font-size: 11px;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 4px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s;
}
.share-btn .tooltip.show { opacity: 1; }

/* Share row dark variant (for bottom) */
.share-row--dark .share-btn {
  border-color: var(--gray-200);
  background: var(--white);
  color: var(--gray-500);
}
.share-row--dark .share-btn:hover {
  border-color: var(--orange);
  background: rgba(225,87,38,0.06);
  color: var(--orange);
}

/* ============================================================
   AUDIO READER
   ============================================================ */
.audio-reader {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  padding: 14px 0;
}
.audio-reader .container {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.audio-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}
.audio-label .material-symbols-outlined { font-size: 20px; color: var(--orange); }
.audio-controls {
  display: flex;
  align-items: center;
  gap: 8px;
}
.audio-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  transition: all 0.2s;
}
.audio-btn:hover { border-color: var(--orange); color: var(--orange); }
.audio-btn.active { background: var(--orange); color: var(--white); border-color: var(--orange); }
.audio-btn .material-symbols-outlined { font-size: 18px; }
.audio-speed {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  padding: 6px 12px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-pill);
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
}
.audio-progress-bar {
  flex: 1;
  min-width: 100px;
  height: 4px;
  background: var(--gray-200);
  border-radius: 2px;
  overflow: hidden;
}
.audio-progress-fill {
  height: 100%;
  background: var(--orange);
  border-radius: 2px;
  width: 0%;
  transition: width 0.3s;
}
.audio-status {
  font-size: 12px;
  color: var(--gray-400);
  white-space: nowrap;
}

/* ============================================================
   ARTICLE LAYOUT (2-column)
   ============================================================ */
.article-layout {
  padding: 56px 0 80px;
  background: var(--white);
}
.article-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 56px;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
/* Posts with no H2s have no sidebar TOC — collapse the grid so the article
   doesn't get crammed into the 240px sidebar track. */
.article-grid--no-toc { grid-template-columns: 1fr; gap: 0; }
.article-grid--no-toc .article-content { margin: 0 auto; }

/* TOC Sidebar */
.toc-sidebar {
  position: relative;
}
.toc-wrap {
  position: sticky;
  top: 100px;
}
.toc-heading {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--gray-400);
  margin-bottom: 20px;
}
.toc-list { list-style: none; }
.toc-list li { margin-bottom: 2px; }
.toc-list a {
  display: block;
  padding: 8px 16px;
  font-size: 13px;
  font-weight: 400;
  color: var(--gray-400);
  border-left: 2px solid transparent;
  transition: all 0.2s ease;
  line-height: 1.45;
}
.toc-list a:hover { color: var(--gray-700); }
.toc-list a.active {
  color: var(--navy);
  font-weight: 600;
  border-left-color: var(--orange);
}

/* Mobile TOC */
.toc-mobile {
  display: none;
  margin-bottom: 32px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-card);
  overflow: hidden;
}
.toc-mobile-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  background: var(--gray-50);
  border: none;
  cursor: pointer;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--navy);
}
.toc-mobile-toggle .material-symbols-outlined { font-size: 20px; transition: transform 0.3s; }
.toc-mobile-toggle.open .material-symbols-outlined { transform: rotate(180deg); }
.toc-mobile-list {
  display: none;
  padding: 8px 20px 16px;
  list-style: none;
}
.toc-mobile-list.open { display: block; }
.toc-mobile-list a {
  display: block;
  padding: 8px 0;
  font-size: 14px;
  color: var(--gray-500);
  border-bottom: 1px solid var(--gray-100);
  transition: color 0.2s;
}
.toc-mobile-list li:last-child a { border-bottom: none; }
.toc-mobile-list a:hover { color: var(--orange); }

/* Article Content */
.article-content {
  max-width: 720px;
}
.article-content p {
  font-size: 18px;
  line-height: 1.85;
  color: var(--gray-700);
  margin-bottom: 24px;
}
.article-content h2 {
  font-size: 28px;
  color: var(--navy);
  margin-top: 48px;
  margin-bottom: 16px;
  scroll-margin-top: 100px;
}
.article-content h3 {
  font-size: 22px;
  color: var(--navy);
  margin-top: 32px;
  margin-bottom: 12px;
  scroll-margin-top: 100px;
}
.article-content a {
  color: var(--orange);
  text-decoration: none;
  transition: color 0.2s;
}
.article-content a:hover { text-decoration: underline; color: var(--orange-hover); }
.article-content blockquote {
  border-left: 3px solid var(--orange);
  padding-left: 24px;
  margin: 32px 0;
  font-style: italic;
  font-size: 20px;
  line-height: 1.7;
  color: var(--gray-500);
}
.article-content .lead-paragraph {
  font-size: 20px;
  line-height: 1.8;
  color: var(--gray-500);
  font-weight: 300;
}
.article-content .speaker-bestfor {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.article-content .speaker-bestfor span {
  font-weight: 400;
  color: var(--gray-500);
}

/* Inline CTA box */
.inline-cta {
  background: var(--finance-blue-light);
  border-left: 3px solid var(--finance-blue);
  padding: 28px 32px;
  margin: 40px 0;
  border-radius: 0 var(--radius-card) var(--radius-card) 0;
}
.inline-cta p {
  font-size: 17px;
  font-weight: 400;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.7;
}
.inline-cta p:last-child { margin-bottom: 0; }

/* ============================================================
   AUTHOR CARD
   ============================================================ */
.author-card {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  padding: 32px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-card);
  margin-top: 56px;
}
.author-card-logo {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.author-card-logo img { height: 24px; filter: brightness(0) invert(1); }
.author-card-text h4 {
  font-size: 16px;
  margin-bottom: 8px;
}
.author-card-text p {
  font-size: 14px !important;
  color: var(--gray-500);
  line-height: 1.7 !important;
  margin-bottom: 12px !important;
}

/* ============================================================
   RELATED ARTICLES
   ============================================================ */
.related-section {
  padding: var(--section-y) 0;
  background: var(--off-white);
}
.related-section .section-header {
  text-align: center;
  margin-bottom: 48px;
}
.related-section h2 {
  font-size: clamp(26px, 3.5vw, 38px);
  letter-spacing: -0.3px;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  max-width: var(--container);
  margin: 0 auto;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); }
.blog-card-img {
  position: relative;
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.blog-card-img .material-symbols-outlined { font-size: 56px; color: rgba(255,255,255,0.1); }
.blog-card-img .card-tag {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 5px 12px;
  border-radius: var(--radius-pill);
}
.blog-img-1 { background: linear-gradient(135deg, #1A1F2E 0%, #22293C 50%, #1A73E8 100%); }
.blog-img-2 { background: linear-gradient(135deg, #22293C 0%, #1A1F2E 40%, #E15726 100%); }
.blog-img-3 { background: linear-gradient(135deg, #1A73E8 0%, #1A1F2E 60%, #22293C 100%); }
.blog-card-body { padding: 24px; }
.blog-card-meta {
  font-size: 12px;
  color: var(--gray-400);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.blog-card-meta .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--gray-400); }
.blog-card-body h3 {
  font-size: 17px;
  letter-spacing: -0.2px;
  margin-bottom: 10px;
  line-height: 1.35;
}
.blog-card-body .card-excerpt {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.65;
  margin-bottom: 16px;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.blog-card-body .btn-text { font-size: 12px; }

/* ============================================================
   BOTTOM CTA
   ============================================================ */
.bottom-cta {
  padding: var(--section-y) 0;
  background: var(--navy);
  text-align: center;
}
.bottom-cta h2 {
  color: var(--white);
  font-size: clamp(26px, 3.5vw, 38px);
  letter-spacing: -0.3px;
  margin-bottom: 16px;
}
.bottom-cta p {
  font-size: 16px;
  color: var(--gray-200);
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.75;
  font-weight: 300;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .article-grid { grid-template-columns: 1fr; gap: 0; }
  .toc-sidebar { display: none; }
  .toc-mobile { display: block; }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .article-hero { padding: 130px 0 48px; }
  .article-hero h1 { font-size: 26px; }
  .article-content p { font-size: 16px; line-height: 1.8; }
  .article-content h2 { font-size: 24px; margin-top: 40px; }
  .article-content h3 { font-size: 20px; }
  .article-content blockquote { font-size: 17px; }
  .article-content .lead-paragraph { font-size: 17px; }
  .inline-cta { padding: 20px 24px; }
  .author-card { flex-direction: column; }
  .share-row { flex-wrap: wrap; }
  .audio-reader .container { gap: 10px; }
  .audio-progress-bar { min-width: 60px; }
  .related-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .article-meta { gap: 8px; font-size: 13px; }
}

/* ============================================================
   GSAP ANIMATIONS
   ============================================================ */
.anim-fade { opacity: 0; transform: translateY(24px); }


/* ======================================================================
   From: css_contact.css
   ====================================================================== */

/* ============================================================
   DESIGN SYSTEM
   ============================================================ */
:root {
  --navy: #22293C;
  --navy-deep: #1A1F2E;
  --navy-90: rgba(34,41,60,0.92);
  --orange: #E15726;
  --orange-hover: #C94B20;
  --amber: #F59E0B;
  --finance-blue: #1A73E8;
  --finance-blue-light: #E8F0FE;
  --off-white: #FCFDFE;
  --gray-50: #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-700: #374151;
  --white: #FFFFFF;
  --font-heading: 'Jost', sans-serif;
  --font-body: 'Inter', sans-serif;
  --section-y: clamp(56px, 8vw, 100px);
  --container: 1200px;
  --radius-card: 2px;
  --radius-pill: 9999px;
  --shadow-card: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.06);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,0,0,0.15);
  --shadow-glow: 0 8px 25px rgba(226,87,37,0.35);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; height: auto; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.15; color: var(--navy); }

.gradient-text {
  background: linear-gradient(90deg, #E25A25 76.44%, #F59E0B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
  display: block;
}
.eyebrow--light { color: rgba(255,255,255,0.5); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 14px 32px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-glow); background: var(--orange-hover); }
.btn-secondary { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,0.5); }
.btn-secondary:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }
.btn-text {
  background: none; border: none; padding: 0;
  font-family: var(--font-heading);
  font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--orange);
  display: inline-flex; align-items: center; gap: 6px;
  cursor: pointer;
  transition: gap 0.3s;
}
.btn-text:hover { gap: 10px; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 18px 0;
  transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
.site-header.scrolled {
  background: var(--navy-90);
  backdrop-filter: blur(12px);
  padding: 10px 0;
  box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; }
.header-logo { display: flex; align-items: center; gap: 12px; }
.header-logo img { height: 34px; filter: brightness(0) invert(1); }
.header-logo span {
  font-family: var(--font-body); font-size: 10px; font-weight: 700;
  letter-spacing: 1.8px; text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15); padding-left: 12px;
}
.header-nav { display: flex; align-items: center; gap: 28px; }
.header-nav a {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; position: relative;
}
.header-nav a:hover { color: var(--white); }
.header-nav a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--orange); transform: scaleX(0); transition: transform 0.3s ease;
}
.header-nav a:hover::after { transform: scaleX(1); }
.header-cta { margin-left: 12px; }
.header-cta::after { display: none; }
.mobile-toggle {
  display: none; background: none; border: none;
  color: var(--white); cursor: pointer; font-size: 28px;
}
/* mobile-menu: see redesigned rules at end of file */
@media (max-width: 900px) {
  .header-nav { display: none; }
  .mobile-toggle { display: block; }
}

/* ============================================================
   PAGE HERO (short)
   ============================================================ */
.page-hero {
  background: var(--navy);
  padding-top: 120px;
  padding-bottom: 60px;
  min-height: 350px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -150px; right: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(225,87,38,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(26,115,232,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.page-hero .container { position: relative; z-index: 2; text-align: center; }
.page-hero h1 {
  color: var(--white);
  font-size: clamp(30px, 4.5vw, 50px);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}
.page-hero p {
  color: var(--gray-200);
  font-size: clamp(15px, 1.6vw, 17px);
  font-weight: 300;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ============================================================
   CONTACT MAIN (2-column)
   ============================================================ */
.contact-section {
  padding: var(--section-y) 0;
  background: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  align-items: start;
}

/* -- Form Column -- */
.form-column h2 {
  font-size: clamp(24px, 3vw, 34px);
  letter-spacing: -0.3px;
  margin-bottom: 10px;
}
.form-column > p {
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 540px;
}
.contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--gray-500);
  letter-spacing: 0.8px;
}
.form-group input,
.form-group select,
.form-group textarea {
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--navy);
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 6px;
  padding: 12px 14px;
  transition: border-color 0.25s, box-shadow 0.25s;
  outline: none;
  width: 100%;
}
.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--gray-400);
}
.form-group select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%236B7280' viewBox='0 0 16 16'%3E%3Cpath d='M1.5 5.5l6.5 6 6.5-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  cursor: pointer;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(225,87,38,0.08);
}
.form-group textarea {
  min-height: 120px;
  resize: vertical;
  line-height: 1.6;
}
.form-submit {
  width: 100%;
  padding: 16px 32px;
  font-size: 14px;
}
.form-note {
  text-align: center;
  font-size: 13px;
  color: var(--gray-400);
  margin-top: -8px;
}
.form-note span {
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.form-note .material-symbols-outlined {
  font-size: 14px;
}

/* -- Sidebar Column -- */
.sidebar-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: 8px;
  padding: 32px;
  margin-bottom: 24px;
}
.sidebar-card h3 {
  font-size: 20px;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
.sidebar-card > p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 20px;
}
.contact-method {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  border-top: 1px solid var(--gray-200);
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.2s;
}
.contact-method:first-of-type { border-top: none; padding-top: 0; }
.contact-method:hover { color: var(--orange); }
.contact-method .material-symbols-outlined {
  font-size: 20px;
  color: var(--orange);
}

/* Curator card */
.curator-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: 8px;
  padding: 32px;
  margin-bottom: 24px;
}
.curator-card h3 {
  font-size: 18px;
  margin-bottom: 16px;
  letter-spacing: -0.2px;
}
.curator-profile {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}
.curator-profile img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--orange);
}
.curator-info h4 {
  font-size: 16px;
  margin-bottom: 2px;
}
.curator-info span {
  font-size: 13px;
  color: var(--gray-500);
}
.curator-card > p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.7;
}

/* Trust signals */
.trust-signals {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-700);
}
.trust-item .material-symbols-outlined {
  font-size: 20px;
  color: var(--orange);
  flex-shrink: 0;
}

/* ============================================================
   FAQ SECTION
   ============================================================ */
.faq-section { padding: var(--section-y) 0; background: var(--off-white); }
.faq-section .section-header { text-align: center; margin-bottom: 52px; }
.faq-section h2 { font-size: clamp(28px, 3.8vw, 42px); letter-spacing: -0.5px; }
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-item summary {
  padding: 24px 0;
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: color 0.2s;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 400;
  color: var(--orange);
  flex-shrink: 0;
  transition: transform 0.3s;
}
.faq-item[open] summary::after {
  transform: rotate(45deg);
}
.faq-item summary:hover { color: var(--orange); }
.faq-answer {
  padding: 0 0 24px;
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.75;
  max-width: 680px;
}
.faq-answer p { margin-bottom: 12px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer a {
  color: var(--orange);
  font-weight: 600;
  transition: opacity 0.2s;
}
.faq-answer a:hover { opacity: 0.8; }

/* ============================================================
   MAP / LOCATION CALLOUT
   ============================================================ */
.location-section {
  padding: 56px 0;
  background: var(--gray-50);
  text-align: center;
  border-top: 1px solid var(--gray-100);
}
.location-section .location-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.location-section .material-symbols-outlined {
  font-size: 28px;
  color: var(--orange);
}
.location-section p {
  font-size: 16px;
  color: var(--gray-500);
  line-height: 1.7;
  max-width: 620px;
}

/* ============================================================
   FINAL CTA STRIP
   ============================================================ */
.final-cta {
  padding: var(--section-y) 0;
  background: var(--navy);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(225,87,38,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.final-cta h2 {
  color: var(--white);
  font-size: clamp(22px, 3vw, 34px);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 14px;
  position: relative; z-index: 1;
}
.final-cta p {
  color: var(--gray-200);
  font-size: 16px;
  font-weight: 300;
  max-width: 600px;
  margin: 0 auto 32px;
  line-height: 1.7;
  position: relative; z-index: 1;
}
.final-cta .cta-buttons {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  position: relative; z-index: 1;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-deep); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 14px; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--orange); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.3); }
.footer-bottom a { color: var(--orange); font-weight: 600; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .form-row { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: clamp(24px, 7vw, 36px); }
  .footer-grid { grid-template-columns: 1fr; }
  .final-cta .cta-buttons { flex-direction: column; }
}
@media (max-width: 480px) {
  .sidebar-card, .curator-card { padding: 24px; }
  .curator-profile { flex-direction: column; text-align: center; }
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
.anim-up { opacity: 0; transform: translateY(40px); }
@media (prefers-reduced-motion: reduce) {
  .anim-up { opacity: 1; transform: none; }
}


/* ======================================================================
   Nav dropdown (Topics)
   ====================================================================== */
.nav-dropdown { position: relative; }
.nav-dropdown-trigger {
  color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
  letter-spacing: 0.3px; transition: color 0.2s; cursor: pointer;
  display: inline-flex; align-items: center; gap: 4px;
}
.nav-dropdown-trigger:hover { color: #FFFFFF; }
.nav-dropdown-trigger::after { display: none; }
.nav-dropdown-menu {
  position: absolute; top: 100%; left: 50%;
  transform: translateX(-50%) translateY(-8px);
  min-width: 220px; padding: 12px 0; margin-top: 14px;
  background: rgba(26, 31, 46, 0.98); backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,0.08); border-radius: 8px;
  box-shadow: 0 20px 40px -8px rgba(0,0,0,0.4);
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0s linear 0.22s;
  z-index: 101;
}
.nav-dropdown-menu::before {
  content:''; position:absolute; top:-14px; left:0; right:0; height:14px;
}
.nav-dropdown-menu a {
  display: block; padding: 10px 22px;
  color: rgba(255,255,255,0.75); font-size: 13px; font-weight: 500;
  letter-spacing: 0.3px; white-space: nowrap;
  transition: color 0.2s, background 0.2s;
}
.nav-dropdown-menu a::after { display: none !important; }
.nav-dropdown-menu a:hover {
  color: #FFFFFF; background: rgba(225, 87, 38, 0.12);
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1; visibility: visible; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
  transition: opacity 0.22s ease, transform 0.22s ease, visibility 0s linear 0s;
}
@media (max-width: 900px) { .nav-dropdown { display: none; } }

/* ======================================================================
   Speaker card topic chips - brand navy (#22293C) variant
   Overrides the base orange from the per-page design CSS.
   ====================================================================== */
.speaker-card-body .tags span {
  color: var(--navy) !important;
  border: 1px solid rgba(34, 41, 60, 0.18) !important;
  background: rgba(34, 41, 60, 0.05) !important;
}
.profile-tags span {
  color: var(--navy) !important;
  border: 1px solid rgba(34, 41, 60, 0.20) !important;
  background: rgba(34, 41, 60, 0.06) !important;
}

/* ======================================================================
   Global contact modal (popup Salesforce form for CTAs)
   ====================================================================== */
.tkc-modal[hidden] { display: none; }
.tkc-modal {
  position: fixed; inset: 0; z-index: 10000;
  display: flex; align-items: center; justify-content: center;
  padding: 24px; overflow-y: auto; overscroll-behavior: contain;
  animation: tkcModalFade 0.22s ease both;
}
@keyframes tkcModalFade { from { opacity: 0; } to { opacity: 1; } }
.tkc-modal__backdrop {
  position: absolute; inset: 0;
  background: rgba(26, 31, 46, 0.72); backdrop-filter: blur(6px);
}
.tkc-modal__card {
  position: relative; z-index: 2;
  width: 100%; max-width: 640px;
  background: #FFFFFF; border-radius: 14px;
  padding: 44px 36px 32px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.45);
  animation: tkcModalSlide 0.28s ease both;
  max-height: calc(100dvh - 48px); overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
}
@keyframes tkcModalSlide {
  from { opacity: 0; transform: translateY(20px) scale(0.98); }
  to   { opacity: 1; transform: none; }
}
.tkc-modal__close {
  position: absolute; top: 14px; right: 14px;
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--gray-100); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy); transition: background 0.2s, transform 0.2s;
}
.tkc-modal__close:hover { background: var(--gray-200); transform: rotate(90deg); }
.tkc-modal__header { margin-bottom: 20px; }
.tkc-modal__header h2 {
  font-size: clamp(22px, 2.6vw, 28px);
  margin: 6px 0 8px; letter-spacing: -0.3px;
}
.tkc-modal__sub { color: var(--gray-500); font-size: 14px; margin: 0; }
.tkc-modal__form { margin-top: 4px; }
.tkc-modal__form .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.tkc-modal__form .form-group { display: flex; flex-direction: column; gap: 4px; }
.tkc-modal__form .form-group.full { grid-column: 1 / -1; }
.tkc-modal__form label {
  font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.8px;
  color: var(--gray-500);
}
.tkc-modal__form input,
.tkc-modal__form select,
.tkc-modal__form textarea {
  width: 100%; padding: 11px 14px;
  border: 1px solid var(--gray-200); border-radius: 6px;
  background: var(--gray-50);
  font-family: var(--font-body); font-size: 14px; color: var(--navy);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.tkc-modal__form input:focus,
.tkc-modal__form select:focus,
.tkc-modal__form textarea:focus {
  outline: none; border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(225,87,38,0.10);
}
.tkc-modal__form .form-submit { width: 100%; justify-content: center; margin-top: 6px; }
.tkc-modal__form .form-note { text-align: center; font-size: 12px; color: var(--gray-400); margin-top: 12px; }
body.tkc-modal-open { overflow: hidden; }
body.tkc-modal-open .concierge-fab,
body.tkc-modal-open .concierge-panel {
  opacity: 0;
  pointer-events: none;
}
@media (max-width: 640px) {
  .tkc-modal {
    align-items: flex-end;
    padding: max(12px, env(safe-area-inset-top)) 0 0;
  }
  .tkc-modal__card {
    max-width: 100%;
    max-height: calc(100dvh - max(12px, env(safe-area-inset-top)));
    border-radius: 22px 22px 0 0;
    min-height: auto;
    padding: 64px 20px calc(28px + env(safe-area-inset-bottom));
  }
  .tkc-modal__close {
    top: 12px;
    right: 12px;
  }
  .tkc-modal__header {
    position: sticky;
    top: -1px;
    z-index: 2;
    background: #FFFFFF;
    margin: 0 -20px 16px;
    padding: 0 20px 14px;
    border-bottom: 1px solid var(--gray-100);
  }
  .tkc-modal__form .form-row { grid-template-columns: 1fr; }
}

/* ======================================================================
   Header always-visible hardening + profile-tabs offset fix
   Addresses navbar disappearing when scrolling up on speaker profile page.
   ====================================================================== */
.site-header {
  position: fixed !important;
  top: 0 !important;
  left: 0; right: 0;
  z-index: 9999 !important;
  transform: translateZ(0);
  will-change: background, padding;
}
/* Profile tabs sit below the full-size header, not under it */
.profile-tabs { top: 72px !important; z-index: 90 !important; }
.site-header.scrolled ~ * .profile-tabs,
.site-header.scrolled + * .profile-tabs { top: 58px !important; }
/* Blog article sticky TOC — also offset below header */
.toc-sidebar { top: 96px !important; }
/* Header — solid background on pages without dark hero (speaker profiles, about, etc.) */
.breadcrumb-bar ~ .profile-hero ~ .site-header,
body.single-speaker .site-header,
body.page-template-template-about .site-header,
body.page-template-template-why-us .site-header,
body.page-template-template-contact .site-header { background: var(--navy); }
/* Simpler: always give header a background on mobile */
@media (max-width: 900px) {
  .site-header { background: var(--navy) !important; }
}

/* Speaker cards — entire card is clickable */
.speaker-card { cursor: pointer; }

/* ============================================================
   MOBILE MENU — redesigned for better UX
   ============================================================ */
html.mobile-menu-open,
body.mobile-menu-open {
  overflow: hidden;
  overscroll-behavior: none;
}
body.mobile-menu-open {
  position: fixed;
  left: 0;
  right: 0;
  width: 100%;
}
.site-header.mobile-menu-open {
  z-index: 9998;
}
.mobile-toggle {
  position: relative;
  z-index: 2;
  padding: 4px;
}
.mobile-toggle .material-symbols-outlined {
  font-size: 32px;
  line-height: 1;
  transition: transform 0.2s ease;
}
.mobile-toggle.is-open .material-symbols-outlined {
  transform: rotate(90deg);
}
.mobile-menu {
  display: flex !important;
  position: fixed;
  inset: 0;
  justify-content: flex-end;
  background: rgba(9, 13, 24, 0.82);
  backdrop-filter: blur(14px);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.25s ease, visibility 0.25s ease;
  z-index: 10002;
}
.mobile-menu.open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}
.mobile-menu__inner {
  position: relative;
  width: min(100vw, 420px);
  max-width: 100%;
  height: 100dvh;
  background: #1A1F2E;
  display: flex;
  flex-direction: column;
  padding: calc(18px + env(safe-area-inset-top)) 24px calc(28px + env(safe-area-inset-bottom));
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
  box-shadow: -18px 0 40px rgba(0,0,0,0.34);
  animation: mobileSlideIn 0.3s ease;
}
.mobile-menu__brand {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.mobile-menu__brand-link {
  min-width: 0;
  display: flex;
  align-items: center;
  gap: 12px;
}
.mobile-menu__brand-link img {
  width: 112px;
  height: auto;
  flex-shrink: 0;
  filter: brightness(0) invert(1);
}
.mobile-menu__brand-link span {
  font-family: var(--font-body);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border-left: 1px solid rgba(255,255,255,0.15);
  padding-left: 12px;
}
@keyframes mobileSlideIn {
  from { transform: translateX(100%); }
  to { transform: translateX(0); }
}
.mobile-menu-close {
  position: relative;
  top: auto;
  align-self: flex-start;
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50%;
  color: #fff;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10;
  transition: background 0.2s;
}
.mobile-menu-close:hover { background: rgba(255,255,255,0.15); }
.mobile-menu-close .material-symbols-outlined { font-size: 22px; }

.mobile-menu__spacer { display: none; }

.mobile-menu__nav {
  display: flex;
  flex-direction: column;
  gap: 0;
  flex: 1;
}
.mobile-menu__nav > a {
  color: #fff;
  font-family: 'Jost', sans-serif;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 0.5px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color 0.2s;
  text-transform: none;
}
.mobile-menu__nav > a:hover { color: #E15726; }

/* Topics accordion */
.mobile-menu__topics {
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu__topics-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  background: none;
  border: none;
  color: rgba(255,255,255,0.5);
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  cursor: pointer;
  transition: color 0.2s;
}
.mobile-menu__topics-toggle:hover { color: #fff; }
.mobile-menu__topics-toggle .material-symbols-outlined {
  font-size: 20px;
  transition: transform 0.3s;
}
.mobile-menu__topics-toggle.open .material-symbols-outlined {
  transform: rotate(180deg);
}
.mobile-menu__topics-list {
  display: none;
  flex-direction: column;
  padding: 0 0 8px 16px;
}
.mobile-menu__topics-list.open { display: flex; }
.mobile-menu__topics-list a {
  color: rgba(255,255,255,0.45);
  font-size: 14px;
  font-weight: 400;
  padding: 8px 0;
  transition: color 0.2s;
  text-transform: none;
  font-family: 'Inter', sans-serif;
  letter-spacing: 0;
}
.mobile-menu__topics-list a:hover { color: #E15726; }

.mobile-menu__cta {
  margin-top: 24px;
  width: 100%;
  justify-content: center;
  padding: 14px 24px;
  font-size: 12px;
}

.mobile-menu__footer {
  margin-top: auto;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu__footer p {
  font-size: 12px;
  color: rgba(255,255,255,0.25);
  text-align: center;
}
body.mobile-menu-open .concierge-fab,
body.mobile-menu-open .concierge-panel,
body.mobile-menu-open .profile-tabs,
body.mobile-menu-open .toc-mobile,
body.mobile-menu-open .audio-reader,
body.mobile-menu-open .share-row,
body.mobile-menu-open .reading-progress {
  opacity: 0;
  pointer-events: none;
}
@media (max-width: 480px) {
  .mobile-menu__inner {
    width: 100%;
  }
  .mobile-menu__brand-link img {
    width: 102px;
  }
  .mobile-menu__brand-link span {
    font-size: 9px;
    letter-spacing: 1.4px;
    padding-left: 10px;
  }
}
/* Footer social icons */
.footer-socials { display: flex; gap: 12px; margin-top: 20px; }
.footer-socials a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.4);
  transition: color 0.2s, border-color 0.2s, background 0.2s;
}
.footer-socials a:hover {
  color: #E15726; border-color: #E15726;
  background: rgba(225,87,38,0.08);
}

/* Topic hero split layout */
.page-hero--split .container {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
  gap: clamp(28px, 5vw, 64px);
  align-items: center;
  text-align: left;
}
.page-hero--split .page-hero__content {
  min-width: 0;
}
.page-hero--split .page-hero__content h1,
.page-hero--split .page-hero__content p {
  margin-left: 0;
  margin-right: 0;
}
.page-hero--split .page-hero__content h1 {
  max-width: 720px;
}
.page-hero--split .page-hero__content p {
  max-width: 620px;
}
.page-hero__media {
  width: 100%;
  max-width: 420px;
  justify-self: end;
}
.topic-hero-card {
  display: block;
  overflow: hidden;
  border-radius: 24px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 28px 50px rgba(0,0,0,0.24);
}
.topic-hero-card__image {
  background: rgba(255,255,255,0.04);
}
.topic-hero-card__image img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}
.topic-hero-card__copy {
  padding: 20px 22px 22px;
  background: linear-gradient(180deg, rgba(17,22,34,0.2) 0%, rgba(17,22,34,0.92) 100%);
}
.topic-hero-card__eyebrow {
  display: inline-flex;
  margin-bottom: 10px;
  color: rgba(255,255,255,0.6);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.topic-hero-card__copy h2 {
  color: #FFFFFF;
  font-size: clamp(22px, 3vw, 28px);
  margin-bottom: 8px;
  letter-spacing: 0.2px;
}
.topic-hero-card__copy p {
  margin: 0;
  color: rgba(255,255,255,0.72);
  font-size: 14px;
  line-height: 1.6;
}
.topic-hero-card--placeholder {
  min-height: 100%;
  background:
    radial-gradient(circle at top right, rgba(225,87,38,0.2), transparent 38%),
    linear-gradient(145deg, #1F2740 0%, #161B2C 100%);
}
@media (max-width: 900px) {
  .page-hero--split .container {
    grid-template-columns: 1fr;
    text-align: left;
  }
  .page-hero--split .page-hero__content h1,
  .page-hero--split .page-hero__content p {
    max-width: none;
  }
  .page-hero__media {
    max-width: none;
    justify-self: stretch;
  }
}

/* ─── Generic .section + BEM modifiers (taxonomy-speaker_topic.php) ──── */
.section { padding: var(--section-y) 0; background: var(--white); }
.section + .section { padding-top: var(--section-y); }
.section .container { max-width: var(--container); padding-left: 24px; padding-right: 24px; }
.section .container--narrow { max-width: 780px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }

.section--speakers { background: var(--off-white); }
.section--topic-content { background: var(--white); }
.section--topic-content h2 {
  font-size: clamp(28px, 3.6vw, 40px);
  letter-spacing: -0.4px;
  margin-bottom: 24px;
  color: var(--navy);
}
.section--topic-content p {
  font-size: 17px;
  line-height: 1.75;
  color: var(--gray-700);
  margin-bottom: 20px;
}
.section--topic-content p:last-child { margin-bottom: 0; }
.section--topic-content a {
  color: var(--orange);
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
}
.section--topic-content a:hover { color: var(--orange-hover); }

.section--faq { background: var(--off-white); }
.section--faq h2 {
  font-size: clamp(28px, 3.6vw, 40px);
  letter-spacing: -0.4px;
  margin-bottom: 36px;
  color: var(--navy);
}
.section--faq .faq-list { max-width: 780px; margin: 0 auto; }
.section--faq .faq-item {
  border-bottom: 1px solid var(--gray-200);
  padding: 22px 0;
}
.section--faq .faq-item:last-child { border-bottom: 0; }
.section--faq .faq-item__question {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding-right: 4px;
}
.section--faq .faq-item__question::-webkit-details-marker { display: none; }
.section--faq .faq-item__question::after {
  content: '+';
  font-size: 26px;
  font-weight: 400;
  color: var(--orange);
  flex-shrink: 0;
  transition: transform 0.2s;
}
.section--faq .faq-item[open] .faq-item__question::after {
  content: '\2212';
}
.section--faq .faq-item__question:hover { color: var(--orange); }
.section--faq .faq-item__answer {
  padding: 14px 0 4px;
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.7;
}
.section--faq .faq-item__answer p { margin: 0; }
.section--faq .faq-item__answer p + p { margin-top: 12px; }
.section--faq .faq-item__answer a { color: var(--orange); font-weight: 600; }

/* Dark variant: white text on navy. Used by topic-archive FAQ. */
.section--dark { background: var(--navy); color: var(--white); }
.section--dark h2 { color: var(--white); }
.section--dark .faq-item { border-color: rgba(255, 255, 255, 0.12); }
.section--dark .faq-item__question { color: var(--white); }
.section--dark .faq-item__question:hover { color: var(--amber); }
.section--dark .faq-item__question::after { color: var(--amber); }
.section--dark .faq-item__answer { color: rgba(255, 255, 255, 0.78); }
.section--dark .faq-item__answer a { color: var(--amber); }

.section--cta {
  background:
    radial-gradient(circle at top right, rgba(225, 87, 38, 0.18), transparent 50%),
    linear-gradient(145deg, var(--navy-deep, #1A1F2E) 0%, var(--navy) 100%);
  color: var(--white);
}
.section--cta h2 {
  color: var(--white);
  font-size: clamp(28px, 3.8vw, 42px);
  letter-spacing: -0.5px;
  margin-bottom: 18px;
}
.section--cta p {
  color: rgba(255, 255, 255, 0.78);
  font-size: 17px;
  margin-bottom: 28px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

@media (max-width: 768px) {
  .section--topic-content h2,
  .section--faq h2,
  .section--cta h2 { font-size: 26px; }
  .section--topic-content p { font-size: 16px; }
  .section--faq .faq-item { padding: 18px 0; }
  .section--faq .faq-item__question { font-size: 16px; gap: 16px; }
}

/* ─── Speaker Lab nav button (header.php) ───────────────────────────── */
.header-nav .header-nav__lab {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 16px;
  margin-left: 4px;
  border: 1.5px solid var(--finance-blue);
  color: var(--finance-blue);
  border-radius: var(--radius-pill);
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  text-decoration: none;
  transition: background 0.2s, color 0.2s, transform 0.2s;
}
.header-nav .header-nav__lab:hover {
  background: var(--finance-blue);
  color: var(--white);
  transform: translateY(-1px);
}
.header-nav .header-nav__lab .material-symbols-outlined {
  font-size: 14px;
  opacity: 0.85;
}
.mobile-menu__lab {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--finance-blue);
  font-weight: 700;
}
.mobile-menu__lab .material-symbols-outlined {
  font-size: 16px;
  opacity: 0.7;
}
@media (max-width: 1100px) {
  .header-nav .header-nav__lab { padding: 7px 12px; font-size: 10px; }
}

/* ─── Podcast section (homepage) ────────────────────────────────────── */
.podcast-section {
  padding: calc(var(--section-y) + 32px) 0 calc(var(--section-y) + 16px);
  background: var(--navy);
  color: var(--white);
  position: relative;
}
.podcast-section .section-header {
  text-align: center;
  margin: 0 auto 56px;
  max-width: 760px;
  padding: 0 24px;
}
.podcast-section .section-header .eyebrow {
  color: var(--orange);
  display: inline-block;
  margin-bottom: 18px;
}
.podcast-section .section-header h2 {
  font-size: clamp(28px, 3.6vw, 40px);
  letter-spacing: -0.5px;
  margin: 0 0 18px;
  color: var(--white);
}
.podcast-section .section-header h2 .gradient-text {
  background: linear-gradient(120deg, var(--orange), var(--amber));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}
.podcast-section .section-sub {
  color: rgba(255, 255, 255, 0.78);
  font-size: 17px;
  line-height: 1.65;
  margin: 0;
}
.podcast-section .podcast-feed {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ─── Custom YouTube carousel + grid (inc/youtube.php) ─────────────── */
.tkc-yt { position: relative; }
.tkc-yt__toolbar {
  display: flex;
  justify-content: flex-end;
  margin-bottom: 20px;
}
.tkc-yt__view-toggle {
  display: inline-flex;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-pill);
  padding: 4px;
  gap: 2px;
}
.tkc-yt__view-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 14px;
  background: transparent;
  border: 0;
  border-radius: 9999px;
  color: rgba(255, 255, 255, 0.65);
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.4px;
  cursor: pointer;
  transition: background 0.18s, color 0.18s;
}
.tkc-yt__view-btn .material-symbols-outlined { font-size: 16px; }
.tkc-yt__view-btn:hover { color: var(--white); }
.tkc-yt__view-btn.is-active {
  background: var(--white);
  color: var(--navy);
}

.tkc-yt__stage { position: relative; }
.tkc-yt__nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--white);
  color: var(--navy);
  border: 0;
  cursor: pointer;
  z-index: 4;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.35);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.18s, transform 0.18s, background 0.18s;
}
.tkc-yt__nav:hover { background: var(--orange); color: var(--white); }
.tkc-yt__nav:disabled { opacity: 0.35; cursor: default; pointer-events: none; }
.tkc-yt__nav .material-symbols-outlined { font-size: 24px; }
.tkc-yt__nav--prev { left: -22px; }
.tkc-yt__nav--next { right: -22px; }

/* Track: layout differs between carousel and grid view. */
.tkc-yt__track { gap: 20px; }
.tkc-yt--carousel .tkc-yt__track {
  display: flex;
  overflow-x: auto;
  overflow-y: hidden;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  scrollbar-width: none;
  padding: 4px 4px 4px;
}
.tkc-yt--carousel .tkc-yt__track::-webkit-scrollbar { display: none; }
.tkc-yt--carousel .tkc-yt-card {
  flex: 0 0 calc((100% - 40px) / 3);
  scroll-snap-align: start;
}
.tkc-yt--grid .tkc-yt__track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

/* Card */
.tkc-yt-card {
  display: flex;
  flex-direction: column;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.tkc-yt-card:hover {
  transform: translateY(-4px);
  border-color: rgba(255, 255, 255, 0.18);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.35);
}
.tkc-yt-card__thumb {
  position: relative;
  aspect-ratio: 16 / 9;
  background: rgba(0, 0, 0, 0.4);
  overflow: hidden;
}
.tkc-yt-card__thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}
.tkc-yt-card:hover .tkc-yt-card__thumb img { transform: scale(1.04); }
.tkc-yt-card__play {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 64px;
  height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
  filter: drop-shadow(0 4px 14px rgba(0, 0, 0, 0.5));
  transition: transform 0.2s ease;
}
.tkc-yt-card__play svg { width: 100%; height: 100%; }
.tkc-yt-card:hover .tkc-yt-card__play { transform: translate(-50%, -50%) scale(1.06); }
.tkc-yt-card__body {
  padding: 16px 18px 20px;
}
.tkc-yt-card__title {
  font-family: var(--font-heading);
  font-size: 15px;
  line-height: 1.4;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 6px;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.tkc-yt-card__date {
  font-size: 12px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.55);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin: 0;
}

@media (max-width: 1024px) {
  .tkc-yt--carousel .tkc-yt-card { flex-basis: calc((100% - 20px) / 2); }
  .tkc-yt--grid .tkc-yt__track { grid-template-columns: repeat(2, 1fr); }
  .tkc-yt__nav--prev { left: -8px; }
  .tkc-yt__nav--next { right: -8px; }
}
@media (max-width: 640px) {
  .tkc-yt--carousel .tkc-yt-card { flex-basis: 86%; }
  .tkc-yt--grid .tkc-yt__track { grid-template-columns: 1fr; }
  .tkc-yt__nav { display: none; }
  .tkc-yt__view-btn span:not(.material-symbols-outlined) { display: none; }
}

.podcast-fallback {
  display: grid;
  place-items: center;
  padding: 60px 24px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px dashed rgba(255, 255, 255, 0.18);
  border-radius: 12px;
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.podcast-fallback__icon {
  font-size: 56px;
  color: var(--orange);
  margin-bottom: 16px;
}
.podcast-fallback__title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 8px;
}
.podcast-fallback__sub {
  color: rgba(255, 255, 255, 0.72);
  font-size: 15px;
  max-width: 480px;
  line-height: 1.6;
  margin: 0;
}
.podcast-fallback__sub a { color: var(--amber); }

.podcast-section .section-footer {
  text-align: center;
  margin-top: 48px;
}
.podcast-section .section-footer .btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--white);
}
.podcast-section .section-footer .btn:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

@media (max-width: 768px) {
  .podcast-section { padding: calc(var(--section-y) + 16px) 0; }
  .podcast-section .section-header { margin-bottom: 36px; }
  .podcast-section .section-sub { font-size: 16px; }
  .podcast-fallback { padding: 40px 18px; }
}

/* ─── Long-form blog post elements (.post-table, .post-chart) ───────── */
.article-content .post-table {
  width: 100%;
  border-collapse: collapse;
  margin: 32px 0;
  font-size: 15px;
  background: var(--white);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06), 0 0 0 1px var(--gray-200);
}
.article-content .post-table thead {
  background: var(--navy);
  color: var(--white);
}
.article-content .post-table th {
  padding: 14px 18px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  text-align: left;
}
.article-content .post-table td {
  padding: 14px 18px;
  border-top: 1px solid var(--gray-100);
  color: var(--gray-700);
  vertical-align: top;
  line-height: 1.55;
}
.article-content .post-table tbody tr:hover {
  background: var(--off-white);
}
.article-content .post-table tbody tr:nth-child(even) {
  background: rgba(0, 0, 0, 0.015);
}
.article-content .post-table tbody tr:nth-child(even):hover {
  background: var(--off-white);
}

.article-content .post-chart {
  margin: 36px 0;
  padding: 28px 24px;
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06), 0 0 0 1px var(--gray-200);
  text-align: center;
}
.article-content .post-chart svg {
  width: 100%;
  max-width: 720px;
  height: auto;
  display: block;
  margin: 0 auto;
}
.article-content .post-chart figcaption {
  margin-top: 14px;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-500);
  letter-spacing: 0.4px;
  text-transform: uppercase;
}

/* Table of contents */
.article-content .toc-box {
  margin: 28px 0 36px;
  padding: 22px 26px 24px;
  background: var(--gray-50, #f8fafc);
  border-left: 4px solid var(--orange);
  border-radius: 8px;
}
.article-content .toc-box .toc-title {
  margin: 0 0 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gray-500);
}
.article-content .toc-box .toc-list {
  margin: 0;
  padding-left: 24px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 6px 28px;
}
.article-content .toc-box .toc-list li {
  margin: 0;
  line-height: 1.5;
}
.article-content .toc-box .toc-list a {
  color: var(--navy);
  text-decoration: none;
  font-weight: 500;
  border-bottom: none;
}
.article-content .toc-box .toc-list a:hover {
  color: var(--orange);
  text-decoration: underline;
}
.article-content h2[id] {
  scroll-margin-top: 100px;
}

/* Inline post images */
.article-content .post-image {
  margin: 36px 0;
}
.article-content .post-image img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 12px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08), 0 0 0 1px var(--gray-200);
}
.article-content .post-image figcaption {
  margin-top: 10px;
  font-size: 13px;
  color: var(--gray-500);
  text-align: center;
  font-style: italic;
}
.article-content .post-image figcaption a {
  color: var(--gray-500);
  border-bottom: 1px dotted var(--gray-300);
}
.article-content .post-image figcaption a:hover {
  color: var(--orange);
}

@media (max-width: 768px) {
  .article-content .post-table { font-size: 14px; }
  .article-content .post-table th,
  .article-content .post-table td { padding: 12px 12px; }
  .article-content .post-chart { padding: 18px 12px; }
  .article-content .toc-box { padding: 18px 18px 20px; }
  .article-content .toc-box .toc-list { grid-template-columns: 1fr; }
  .article-content .post-image { margin: 24px 0; }
}