/* ================================================
   EARNIFI — GREEN TEAL THEME (Reference Match)
   Clean, spacious, green icons, card-based
   ================================================ */
:root {
    --bg: #FFFFFF;
    --bg-alt: #F0FAF6;
    --bg-light: #F7FDFB;
    --accent: #0D9668;
    --accent-dark: #087A54;
    --accent-light: rgba(13,150,104,0.08);
    --accent-border: rgba(13,150,104,0.15);
    --accent-gradient: linear-gradient(135deg, #0D9668, #10B981);
    --text: #1A2B3C;
    --text-secondary: #4A5C6D;
    --text-muted: #8096A7;
    --border: #E5EEE9;
    --card-bg: #FFFFFF;
    --card-shadow: 0 4px 20px rgba(13,150,104,0.06);
    --card-shadow-hover: 0 8px 32px rgba(13,150,104,0.12);
    --radius-lg: 20px;
    --radius-md: 12px;
    --radius-sm: 8px;
    --max-width: 1200px;
    --font: 'Space Grotesk', sans-serif;
    --transition: 0.25s ease;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--font);background:var(--bg);color:var(--text);line-height:1.7;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--accent-dark)}
h1,h2,h3,h4,h5{font-family:var(--font);line-height:1.15;font-weight:700;color:var(--text)}
h1{font-size:clamp(2rem,5vw,3rem);margin-bottom:1rem}
h2{font-size:clamp(1.5rem,3.5vw,2.2rem);margin-bottom:0.75rem}
h3{font-size:1.3rem;margin-bottom:0.5rem}
p{margin-bottom:1rem;max-width:72ch;color:var(--text-secondary)}
.container{max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}
.container--narrow{max-width:800px}
.text-center{text-align:center}
.text-small{font-size:0.85rem;color:var(--text-muted)}
.skip-link{position:absolute;top:-100%;left:1rem;z-index:9999;padding:0.75rem 1.5rem;background:var(--accent);color:#fff;border-radius:var(--radius-sm);font-weight:600}
.skip-link:focus{top:1rem}

/* === NAV === */
.site-header{background:rgba(255,255,255,0.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);position:relative;z-index:100}
.header-inner{max-width:var(--max-width);margin:0 auto;padding:0 1.5rem;display:flex;align-items:center;justify-content:center;gap:2rem;min-height:64px}
.logo{font-size:1.3rem;font-weight:700;color:var(--text);text-decoration:none;display:flex;align-items:center}
.logo svg{flex-shrink:0}

.logo span,.logo-icon{color:var(--accent)}
.logo-icon{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;background:var(--accent);color:#fff;border-radius:8px;font-weight:700;font-size:1rem;margin-right:0.5rem}
.main-nav{display:flex;align-items:center;gap:0.25rem}
.main-nav a,.main-nav ul{list-style:none}
.main-nav ul{display:flex;align-items:center;gap:0;margin:0;padding:0}
.main-nav a,.main-nav li a{padding:0.5rem 0.85rem;font-size:0.85rem;color:var(--text-muted);text-decoration:none;transition:color var(--transition);white-space:nowrap}
.main-nav a:hover,.main-nav li a:hover,.main-nav a.active{color:var(--text)}
.nav-cta,.btn-sm{padding:0.45rem 1.1rem !important;background:var(--accent) !important;color:#fff !important;border-radius:var(--radius-sm);font-weight:600;border:none}
.nav-cta:hover,.btn-sm:hover{background:var(--accent-dark) !important}
.mobile-toggle,.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:0.5rem;flex-direction:column;gap:5px}
.mobile-toggle span,.menu-toggle .hamburger,.menu-toggle span{display:block;width:22px;height:2px;background:var(--text);border-radius:2px}

/* === BUTTONS === */
.btn{display:inline-block;padding:0.9rem 2rem;border-radius:var(--radius-md);font-weight:600;font-size:0.95rem;text-decoration:none;cursor:pointer;transition:all var(--transition);border:none;font-family:var(--font);text-align:center}
.btn-primary,.btn--lg{background:var(--accent-gradient);color:#fff;box-shadow:0 4px 16px rgba(13,150,104,0.25)}
.btn-primary:hover,.btn--lg:hover{transform:translateY(-2px);box-shadow:0 6px 24px rgba(13,150,104,0.3);color:#fff}
.btn-secondary,.btn--outline{background:transparent;color:var(--accent);border:1.5px solid var(--accent-border)}
.btn-secondary:hover,.btn--outline:hover{background:var(--accent-light)}
.btn-ghost{background:rgba(13,150,104,0.06);color:var(--text);border:1px solid var(--border)}
.btn-ghost:hover{background:rgba(13,150,104,0.12)}

/* === HERO === */
.hero{background:var(--bg-alt);padding:1.5rem 0 6rem;position:relative;overflow:hidden;min-height:88vh;display:flex;align-items:flex-start}
.hero-arch{background:linear-gradient(180deg,#F0FAF6 0%,#E6F7F0 100%)}
.hero::before{content:'';position:absolute;top:-20%;right:-10%;width:50vw;height:50vw;border-radius:50%;background:radial-gradient(circle,rgba(13,150,104,0.06) 0%,transparent 65%);pointer-events:none}
.hero .container{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.15fr 0.85fr;gap:3rem;align-items:start}
.hero h1{font-size:clamp(2rem,4.5vw,2.8rem);line-height:1.1;color:var(--text)}
.hero-highlight{color:var(--accent)}
.hero p{font-size:1rem;color:var(--text-secondary)}
.hero-buttons{display:flex;gap:0.75rem;flex-wrap:wrap}
.hero-stats{display:flex;gap:2rem;flex-wrap:wrap;margin-top:1.25rem;padding-top:1.25rem;border-top:1px solid var(--border)}
.hero-stats div{text-align:left}
.hero-stats .stat-num{font-size:1.6rem;font-weight:700;color:var(--accent);line-height:1}
.hero-stats .stat-label{font-size:0.75rem;color:var(--text-muted);margin-top:0.2rem}
.hero-visual{display:flex;justify-content:center}
.hero--short{padding:3rem 0 2rem}
.hero-sub{font-size:1.05rem;color:var(--text-secondary);max-width:640px}

/* Hero BG photo */
.hero-bg-photo{position:absolute;left:0;bottom:0;width:50%;max-height:100%;object-fit:contain;object-position:left bottom;z-index:1;pointer-events:none}
.hero-arch .hero-content{position:relative;z-index:2;padding:2.5rem}
.hero-dot{position:absolute;border-radius:50%;background:rgba(13,150,104,0.06);z-index:1}
.hero-d1{width:100px;height:100px;top:10%;left:3%}.hero-d2{width:55px;height:55px;top:50%;right:48%;background:rgba(16,185,129,0.12)}.hero-d3{width:30px;height:30px;top:22%;left:38%}.hero-d4{width:70px;height:70px;bottom:12%;left:8%;background:rgba(13,150,104,0.08)}.hero-d5{width:22px;height:22px;top:35%;left:25%}

/* Arch form */
.hero-arch-frame{background:linear-gradient(180deg,rgba(13,150,104,0.06) 0%,rgba(13,150,104,0.02) 100%);border-radius:999px 999px 24px 24px;padding:2.5rem 1.75rem 1.75rem;position:relative}
.hero-arch-frame::before{content:'';position:absolute;inset:-2px;border-radius:999px 999px 24px 24px;border:2px solid rgba(13,150,104,0.1);pointer-events:none}
.hero-arch-form{background:rgba(255,255,255,0.94);backdrop-filter:blur(16px);border-radius:16px;padding:2rem;box-shadow:0 8px 32px rgba(13,150,104,0.08);border:1px solid rgba(13,150,104,0.06)}
.hero-arch-form h3{text-align:center;color:var(--text);font-size:1.2rem;margin-bottom:0.35rem}
.hero-arch-sub{text-align:center;color:var(--text-muted);font-size:0.85rem;margin-bottom:1.25rem}
.hero-arch-curve{position:absolute;bottom:0;left:0;right:0;z-index:3}
.hero-arch-curve svg{display:block;width:100%}

/* === TRUST BAR === */
.trust-bar{background:var(--bg);border-bottom:1px solid var(--border);padding:1rem 0}
.trust-items{display:flex;justify-content:center;gap:2rem;flex-wrap:wrap;max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}
.trust-item{display:flex;align-items:center;gap:0.5rem;font-size:0.82rem;color:var(--text-secondary);white-space:nowrap}
.trust-icon{font-size:1.1rem}

/* === SECTIONS === */
.section{padding:4.5rem 0}
.section-alt,.section--alt{padding:4.5rem 0;background:var(--bg-alt)}
.section-header{text-align:center;margin-bottom:3rem;max-width:700px;margin-left:auto;margin-right:auto}
.section-header h2{color:var(--text)}
.section-header p{color:var(--text-secondary);margin:0.5rem auto 0}
.section-label{display:inline-block;font-size:0.78rem;font-weight:600;color:var(--accent);margin-bottom:0.5rem;padding:0.3rem 0.9rem;background:var(--accent-light);border-radius:100px}

/* === CARDS === */
.services-grid,.card-grid,.card-grid--3,.card-grid--2{display:grid;gap:1.5rem}
.services-grid,.card-grid--3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card-grid--2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.service-card,.card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--card-shadow);transition:all var(--transition)}
.service-card:hover,.card:hover{border-color:var(--accent-border);transform:translateY(-4px);box-shadow:var(--card-shadow-hover)}
.service-icon{width:56px;height:56px;background:var(--accent-light);border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:1rem}
.service-card h3{color:var(--text)}
.service-card p{color:var(--text-secondary);font-size:0.92rem}
.card-link{color:var(--accent);font-weight:600;font-size:0.9rem;display:inline-block;margin-top:0.75rem}
.badge,.badge--accent{display:inline-block;padding:0.3rem 0.75rem;background:var(--accent-light);color:var(--accent);border-radius:100px;font-size:0.75rem;font-weight:600;margin-bottom:0.75rem}

/* === FEATURE GRID === */
.feature-grid{display:grid;grid-template-columns:0.4fr 1fr;gap:3rem;align-items:center}
.feature-placeholder{font-size:4rem;width:140px;height:140px;display:flex;align-items:center;justify-content:center;background:var(--accent-light);border:1px solid var(--accent-border);border-radius:var(--radius-lg)}

/* === CHECK LIST (green checks) === */
.check-list{list-style:none;padding:0;margin:1.5rem 0}
.check-list li{padding:0.5rem 0 0.5rem 2rem;position:relative;color:var(--text-secondary);font-size:0.92rem}
.check-list li::before{content:'✓';position:absolute;left:0;width:24px;height:24px;background:var(--accent-light);color:var(--accent);font-weight:700;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:0.85rem;top:0.45rem}
.check-list li strong{color:var(--text)}

/* === STEPS (How It Works — horizontal with icons) === */
.steps-list{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap}
.step-item{flex:1;min-width:200px;max-width:260px;text-align:center;position:relative}
.step-number{width:56px;height:56px;background:var(--accent-gradient);border-radius:16px;display:flex;align-items:center;justify-content:center;font-weight:700;color:#fff;font-size:1.2rem;margin:0 auto 1rem;box-shadow:0 4px 16px rgba(13,150,104,0.2)}
.step-content h3{font-size:1rem;margin-bottom:0.35rem}
.step-content p{color:var(--text-secondary);font-size:0.85rem;margin:0}
/* Connector line between steps */
.step-item:not(:last-child)::after{content:'';position:absolute;top:28px;right:-0.75rem;width:1.5rem;height:2px;background:var(--border)}

/* === TABLES === */
.compare-table,.comparison-table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:0.9rem;background:var(--card-bg);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--card-shadow)}
.compare-table th,.compare-table td,.comparison-table th,.comparison-table td{padding:0.85rem 1rem;text-align:left;border-bottom:1px solid var(--border)}
.compare-table thead th,.comparison-table thead th{background:var(--accent-light);color:var(--accent);font-weight:600;font-size:0.82rem}
.compare-table tbody tr:hover{background:rgba(13,150,104,0.02)}
.compare-table td{color:var(--text-secondary)}
.compare-table td strong{color:var(--text)}

/* === REVIEWS === */
.reviews-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}
.review-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--card-shadow)}
.review-stars{color:#F6AD55;font-size:1.1rem;letter-spacing:2px;margin-bottom:1rem}
.review-card blockquote{font-size:0.92rem;color:var(--text-secondary);line-height:1.7;border:none;margin:0 0 1.25rem;padding:0;font-style:italic}
.review-author{display:flex;align-items:center;gap:0.75rem}
.review-avatar{width:40px;height:40px;background:var(--accent-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--accent);font-size:0.85rem}
.review-name{font-weight:600;font-size:0.9rem;color:var(--text)}
.review-role{font-size:0.78rem;color:var(--text-muted)}
.review-summary{text-align:center;margin-bottom:2rem}
.review-avg{font-size:3rem;font-weight:700;color:var(--accent)}

/* === AUTHOR BOX === */
.author-box{display:flex;gap:1.5rem;align-items:flex-start;background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.75rem;margin-bottom:2rem}
.author-avatar{flex-shrink:0;width:56px;height:56px;background:var(--accent-light);border:2px solid var(--accent-border);border-radius:14px;display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--accent);font-size:1.1rem}
.author-info h4{margin-bottom:0.2rem}
.author-title{font-size:0.85rem;color:var(--accent);margin-bottom:0.5rem}
.author-bio{font-size:0.88rem;color:var(--text-muted);margin:0}

/* === CTA BANNER === */
.cta-banner{background:var(--accent-gradient);padding:4rem 0;text-align:center}
.cta-banner h2,.cta-banner h3{color:#fff;margin-bottom:1rem}
.cta-banner p{color:rgba(255,255,255,0.85);max-width:600px;margin:0 auto 2rem}
.cta-banner .btn,.cta-banner .btn-primary,.cta-banner .btn--lg{background:#fff;color:var(--accent);box-shadow:0 4px 20px rgba(0,0,0,0.15)}

/* === BREADCRUMB === */
.breadcrumb,.breadcrumbs{padding:1rem 0;font-size:0.85rem;color:var(--text-muted)}
.breadcrumb ol{display:flex;align-items:center;gap:0.4rem;list-style:none;padding:0;margin:0;flex-wrap:wrap}
.breadcrumb li::after{content:'›';margin-left:0.4rem;color:var(--text-muted)}
.breadcrumb li:last-child::after{display:none}
.breadcrumb a{color:var(--accent)}

/* === FAQ (category tabs + accordion) === */
.faq-item{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:0.6rem;overflow:hidden}
.faq-item summary{padding:1rem 1.5rem;cursor:pointer;font-weight:600;list-style:none;color:var(--text);font-size:0.95rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item[open] summary{color:var(--accent);border-bottom:1px solid var(--border)}
.faq-item p,.faq-item div:not(summary){padding:1rem 1.5rem;color:var(--text-secondary);font-size:0.92rem}
details.faq-item p{margin:0}

/* === CONTENT / ARTICLES === */
.article-header{margin-bottom:2rem}
.content-body h2{margin-top:2.5rem;margin-bottom:1rem;color:var(--accent)}
.content-body h3{margin-top:2rem;margin-bottom:0.75rem;color:var(--text)}
.content-body p{color:var(--text-secondary);line-height:1.8}
.content-body ul,.content-body ol{margin-bottom:1.25rem;padding-left:1.5rem}
.content-body li{margin-bottom:0.5rem;color:var(--text-secondary)}
.content-body li strong{color:var(--text)}

/* === PAGE HEADER === */
/* === PAGE HERO (Sub-pages) === */
.page-header {
    background: linear-gradient(160deg, rgba(10,61,46,0.88) 0%, rgba(13,150,104,0.82) 50%, rgba(16,185,129,0.78) 100%), url('hero-subpage-bg.jpg') center/cover no-repeat;
    padding: 4.5rem 0 4rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-header::before {
    content: '';
    position: absolute;
    top: -40%;
    right: -15%;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: rgba(255,255,255,0.04);
    pointer-events: none;
}
.page-header::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 350px;
    height: 350px;
    border-radius: 50%;
    background: rgba(16,185,129,0.06);
    pointer-events: none;
}
.page-header .container {
    position: relative;
    z-index: 1;
}
.page-header .breadcrumbs,
.page-header .breadcrumb {
    color: rgba(255,255,255,0.5);
    margin-bottom: 1rem;
    font-size: 0.85rem;
}
.page-header .breadcrumbs a,
.page-header .breadcrumb a {
    color: rgba(255,255,255,0.65);
}
.page-header .breadcrumbs a:hover,
.page-header .breadcrumb a:hover {
    color: #fff;
}
.page-header .breadcrumbs span {
    color: rgba(255,255,255,0.35);
    margin: 0 0.3rem;
}
.page-header h1 {
    color: #fff;
    font-size: clamp(1.8rem, 4vw, 2.5rem);
    margin-bottom: 0.75rem;
    text-shadow: 0 2px 12px rgba(0,0,0,0.1);
}
.page-header p {
    color: rgba(255,255,255,0.8);
    max-width: 600px;
    margin: 0 auto;
    font-size: 1.05rem;
    line-height: 1.65;
}
.page-header .hero-stats-mini {
    display: flex;
    justify-content: center;
    gap: 2rem;
    margin-top: 1.5rem;
    flex-wrap: wrap;
}
.page-header .hero-stat-mini {
    text-align: center;
}
.page-header .hero-stat-mini .stat-val {
    font-size: 1.5rem;
    font-weight: 700;
    color: #fff;
    line-height: 1;
}
.page-header .hero-stat-mini .stat-lbl {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.55);
    margin-top: 0.2rem;
}

/* === FORMS === */
.form-group{margin-bottom:1rem}
.form-group label{display:block;font-size:0.85rem;font-weight:600;color:var(--text-secondary);margin-bottom:0.35rem}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:0.85rem 1rem;background:var(--bg-alt);border:1.5px solid var(--border);border-radius:var(--radius-sm);color:var(--text);font-family:var(--font);font-size:0.95rem}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--accent)}
.btn-submit{width:100%;padding:1rem;background:var(--accent-gradient);color:#fff;border:none;border-radius:var(--radius-md);font-weight:600;font-size:1rem;cursor:pointer;font-family:var(--font)}

/* === GLOSSARY === */
.glossary-list dt{font-weight:700;color:var(--accent);margin-top:1.5rem}
.glossary-list dd{color:var(--text-secondary);margin:0.25rem 0 1rem}

/* === POLICY TOC === */
.policy-toc{background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem 2rem;margin-bottom:2rem}
.policy-toc h2{font-size:1.1rem;color:var(--accent)}
.policy-toc a{color:var(--text-secondary)}

/* === INFO CARDS === */
.info-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:1rem;margin:2rem 0}
.info-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-md);padding:1.5rem;text-align:center}
.info-card .ic-value{font-size:1.5rem;font-weight:700;color:var(--accent)}
.info-card .ic-label{font-size:0.8rem;color:var(--text-muted);margin-top:0.3rem}

/* === DISCLOSURE === */
.disclosure{background:rgba(246,173,85,0.08);border:1px solid rgba(246,173,85,0.2);border-radius:var(--radius-md);padding:1.25rem 1.5rem;margin:2rem 0;font-size:0.88rem;color:#975A16}

/* === CONTACT === */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.contact-item{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-md);padding:1.5rem;display:flex;gap:1rem}
.contact-icon{width:44px;height:44px;background:var(--accent-light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0}

/* === CALCULATOR === */
.calc-grid{display:grid;grid-template-columns:0.85fr 1.15fr;gap:2rem;align-items:start;max-width:900px;margin:0 auto}
.calc-inputs{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--card-shadow)}
.calc-group{margin-bottom:1.25rem}
.calc-group label{display:block;font-size:0.88rem;font-weight:600;color:var(--text);margin-bottom:0.4rem}
.calc-input-wrap{position:relative}
.calc-prefix{position:absolute;left:1rem;top:50%;transform:translateY(-50%);font-weight:600;color:var(--text-muted);font-size:1.1rem}
.calc-input-wrap input{width:100%;padding:0.85rem 1rem 0.85rem 2rem;font-size:1.1rem;font-weight:600;font-family:var(--font);background:var(--bg-alt);border:1.5px solid var(--border);border-radius:var(--radius-sm);color:var(--text);outline:none}
.calc-input-wrap input:focus{border-color:var(--accent)}
.calc-group select{width:100%;padding:0.85rem 1rem;font-family:var(--font);font-size:0.95rem;background:var(--bg-alt);border:1.5px solid var(--border);border-radius:var(--radius-sm);color:var(--text);outline:none}
.calc-result-card{border-radius:var(--radius-lg);padding:1.75rem;text-align:center;margin-bottom:1.25rem}
.calc-highlight{background:var(--accent-gradient);color:#fff}
.calc-result-label{font-size:0.85rem;opacity:0.85;margin-bottom:0.35rem}
.calc-result-value{font-size:3rem;font-weight:700;line-height:1;margin-bottom:0.5rem}
.calc-result-sub{font-size:0.9rem;opacity:0.85}
.calc-compare{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem;box-shadow:var(--card-shadow)}
.calc-compare h4{font-size:0.9rem;color:var(--text-secondary);margin-bottom:1rem;font-weight:500}
.calc-compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0.75rem;margin-bottom:1rem}
.calc-compare-item{text-align:center;padding:1rem 0.5rem;border-radius:var(--radius-md)}
.calc-bad{background:#FFF5F5;border:1px solid #FED7D7}
.calc-compare-label{font-size:0.72rem;color:var(--text-muted)}
.calc-compare-value{font-size:1.35rem;font-weight:700;color:#E53E3E}
.calc-compare-sub{font-size:0.68rem;color:var(--text-muted);margin-top:0.15rem}
.calc-savings{text-align:center;padding:0.85rem;background:#F0FFF4;border:1px solid #C6F6D5;border-radius:var(--radius-sm);font-size:0.9rem;color:#22543D}

/* === FOOTER === */
.site-footer{background:#0A2E1F;color:#fff;padding:3rem 0 2rem}
.footer-main{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr 1fr;gap:2rem;padding:2rem 0}
.footer-brand .logo{font-size:1.3rem;margin-bottom:0.75rem;display:block;color:#fff;font-weight:700}
.footer-brand .logo span{color:#6EE7B7}
.footer-brand p{font-size:0.82rem;color:rgba(255,255,255,0.4);line-height:1.65;max-width:280px}
.footer-copy{margin-top:1rem;font-size:0.75rem;color:rgba(255,255,255,0.25)}
.footer-col h4{font-size:0.82rem;font-weight:600;color:#6EE7B7;margin-bottom:1rem;text-transform:uppercase;letter-spacing:0.5px}
.footer-col ul{list-style:none;padding:0}
.footer-col li{margin-bottom:0.45rem}
.footer-col a{color:rgba(255,255,255,0.4);font-size:0.82rem;transition:color 0.2s}
.footer-col a:hover{color:#fff}
.footer-seo{padding:1.5rem 0;border-bottom:1px solid rgba(255,255,255,0.06)}
.footer-seo p{color:rgba(255,255,255,0.25);font-size:0.78rem;max-width:900px}
.footer-disclaimer{padding-top:1.5rem;border-top:1px solid rgba(255,255,255,0.06);margin-top:1.5rem}
.footer-disclaimer p{font-size:0.72rem;color:rgba(255,255,255,0.2);line-height:1.6}

/* === RESPONSIVE === */
@media(max-width:900px){
.hero-grid{grid-template-columns:1fr;gap:2rem}
.feature-grid{grid-template-columns:1fr;gap:2rem}
.feature-grid[style*="rtl"]{direction:ltr}.feature-grid[style*="rtl"]>*{direction:ltr}
.footer-main{grid-template-columns:1fr 1fr}
.contact-grid{grid-template-columns:1fr}
.hero-bg-photo{position:relative;width:100%;max-height:350px;object-position:center top;margin-bottom:1rem}
.hero-arch{min-height:auto;padding:2.5rem 0 2rem}
.hero-arch-frame{padding:2rem 1.25rem 1.25rem}
.step-item:not(:last-child)::after{display:none}
}
@media(max-width:768px){
.footer-main{grid-template-columns:1fr 1fr}

.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:rgba(255,255,255,0.97);backdrop-filter:blur(16px);flex-direction:column;padding:1rem 1.5rem;border-bottom:1px solid var(--border)}
.main-nav.open,.main-nav.is-open{display:flex}
.main-nav ul{flex-direction:column;width:100%}
.main-nav a,.main-nav li a{padding:0.75rem 0;width:100%;display:block;color:var(--text)}
.mobile-toggle,.menu-toggle{display:flex}
.hero{padding:2rem 0 3rem}
.section,.section-alt,.section--alt{padding:3rem 0}
.services-grid,.card-grid--3{grid-template-columns:1fr}
.reviews-grid{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr}
.trust-items{gap:1rem;justify-content:flex-start;overflow-x:auto}
.calc-grid{grid-template-columns:1fr}
.calc-compare-grid{grid-template-columns:1fr}
.steps-list{flex-direction:column;align-items:center}
.hero-dot{opacity:0.5}
.hero-bg-photo{max-height:280px}
}
@media print{.site-header,.site-footer,.mobile-toggle,.menu-toggle,.cta-banner{display:none}body{background:#fff;color:#000}a{color:#000;text-decoration:underline}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition-duration:0.01ms !important;animation-duration:0.01ms !important}}

/* ================================================
   FEATURE CARDS (What Is Earnifi — with images)
   ================================================ */
.feature-cards-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    max-width: 960px;
    margin: 0 auto;
}
.feature-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--card-shadow);
    transition: all var(--transition);
    text-decoration: none;
    display: flex;
    flex-direction: column;
}
.feature-card:hover {
    border-color: var(--accent-border);
    transform: translateY(-4px);
    box-shadow: var(--card-shadow-hover);
}
.feature-card-img {
    position: relative;
    height: 180px;
    background: linear-gradient(135deg, #E6F7F0 0%, #D1FAE5 50%, #A7F3D0 100%);
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
}
.feature-card-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.feature-card-img--fallback {
    background: linear-gradient(135deg, #E6F7F0 0%, #D1FAE5 50%, #A7F3D0 100%);
}
.feature-card-img--fallback::after {
    content: '';
    width: 64px;
    height: 64px;
    background: rgba(13,150,104,0.12);
    border-radius: 16px;
}
.feature-card-badge {
    position: absolute;
    top: 12px;
    right: 12px;
    padding: 0.3rem 0.75rem;
    background: var(--accent);
    color: #fff;
    font-size: 0.75rem;
    font-weight: 700;
    border-radius: 100px;
    box-shadow: 0 2px 8px rgba(13,150,104,0.3);
}
.feature-card-body {
    padding: 1.5rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}
.feature-card-body h3 {
    font-size: 1.15rem;
    color: var(--text);
    margin-bottom: 0.5rem;
}
.feature-card-body p {
    font-size: 0.88rem;
    color: var(--text-secondary);
    line-height: 1.65;
    flex: 1;
    margin-bottom: 0.75rem;
}
.feature-card-link {
    color: var(--accent);
    font-weight: 600;
    font-size: 0.88rem;
    transition: color var(--transition);
}
.feature-card:hover .feature-card-link {
    color: var(--accent-dark);
}

@media (max-width: 600px) {
    .feature-cards-grid {
        grid-template-columns: 1fr;
    }
    .feature-card-img {
        height: 150px;
    }
}

/* ================================================
   HOW IT WORKS — Connected Circles (Option 2)
   ================================================ */
.opt2-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    max-width: 900px;
    margin: 0 auto;
    position: relative;
}
.opt2-step {
    text-align: center;
    padding: 0 1rem;
    position: relative;
}
.opt2-step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 32px;
    right: -2px;
    width: calc(100% - 64px);
    height: 2px;
    background: linear-gradient(90deg, var(--accent), rgba(13,150,104,0.2));
    left: calc(50% + 32px);
    z-index: 0;
}
.opt2-circle {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: linear-gradient(135deg, #E6F7F0, #D1FAE5);
    border: 2px solid rgba(13,150,104,0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    position: relative;
    z-index: 1;
    font-size: 1.6rem;
}
.opt2-num {
    position: absolute;
    top: -6px;
    right: -6px;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--accent);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 2px 6px rgba(13,150,104,0.3);
}
.opt2-step h3 {
    font-size: 0.95rem;
    margin-bottom: 0.3rem;
}
.opt2-step p {
    font-size: 0.8rem;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.5;
}
@media (max-width: 768px) {
    .opt2-steps { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .opt2-step:not(:last-child)::after { display: none; }
}
@media (max-width: 480px) {
    .opt2-steps { grid-template-columns: 1fr; }
}

/* ================================================
   EARLY PAY — Big Number + Content (Option 2)
   ================================================ */
.ep-grid {
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 3rem;
    align-items: start;
    max-width: 920px;
    margin: 0 auto;
}
.ep-left {
    text-align: center;
    position: sticky;
    top: 2rem;
}
.ep-hero-num {
    font-size: 5rem;
    font-weight: 700;
    line-height: 1;
    background: linear-gradient(135deg, #0D9668, #10B981);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.ep-hero-sub {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 0.25rem;
    margin-bottom: 1.5rem;
}
.ep-mini-stats {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}
.ep-mini {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    background: var(--bg-alt);
    border-radius: 12px;
    padding: 0.85rem 1rem;
}
.ep-mini-icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: var(--accent-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}
.ep-mini-val {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text);
}
.ep-right h2 {
    font-size: 1.7rem;
    margin-bottom: 0.75rem;
}
.ep-right p {
    color: var(--text-secondary);
    font-size: 0.92rem;
}
.ep-warning {
    padding: 1rem 1.25rem;
    background: rgba(245,158,11,0.06);
    border: 1px solid rgba(245,158,11,0.15);
    border-radius: 12px;
    font-size: 0.85rem;
    color: #92400E;
    margin: 1.5rem 0;
}
.ep-warning strong {
    color: #78350F;
}
.ep-warning a {
    color: #92400E;
    font-weight: 600;
}
@media (max-width: 768px) {
    .ep-grid {
        grid-template-columns: 1fr;
    }
    .ep-left {
        position: static;
        display: flex;
        align-items: center;
        gap: 1.5rem;
        text-align: left;
        flex-wrap: wrap;
    }
    .ep-mini-stats {
        flex-direction: row;
        flex-wrap: wrap;
        gap: 0.5rem;
    }
    .ep-hero-num {
        font-size: 3.5rem;
    }
}

/* ================================================
   APP STORE BADGES
   ================================================ */
.app-badges {
    display: flex;
    gap: 0.75rem;
    margin-top: 1rem;
    align-items: center;
}
.app-badge {
    display: inline-block;
    transition: transform 0.2s, opacity 0.2s;
    opacity: 0.9;
}
.app-badge:hover {
    transform: scale(1.05);
    opacity: 1;
}
.app-badges--cta {
    justify-content: center;
    margin-top: 1.25rem;
}

/* ================================================
   WHO IS EARNIFI FOR — Audience Grid
   ================================================ */
.audience-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
    max-width: 960px;
    margin: 0 auto;
}
.audience-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem 1.5rem;
    text-align: center;
    transition: all 0.25s ease;
}
.audience-card:hover {
    border-color: rgba(13,150,104,0.25);
    transform: translateY(-4px);
    box-shadow: var(--card-shadow-hover);
}
.audience-icon {
    font-size: 2.2rem;
    margin-bottom: 1rem;
}
.audience-card h3 {
    font-size: 1.05rem;
    margin-bottom: 0.5rem;
    color: var(--text);
}
.audience-card p {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 0.75rem;
}
@media (max-width: 768px) {
    .audience-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
    .audience-grid { grid-template-columns: 1fr; }
}

/* Early Pay Hero Image */
.ep-hero-img {
    width: 100%;
    max-width: 260px;
    border-radius: 20px;
    box-shadow: 0 8px 32px rgba(13,150,104,0.12);
    margin: 0 auto 1.25rem;
    display: block;
}
@media (max-width: 768px) {
    .ep-hero-img {
        max-width: 180px;
    }
}

/* Reversed grid — content left, image right */
.ep-grid--reverse {
    grid-template-columns: 1fr 320px;
}
.ep-left--img {
    display: flex;
    align-items: center;
    justify-content: center;
}
.ep-hero-img--tall {
    max-width: 300px;
    max-height: 420px;
    object-fit: cover;
}
.ep-inline-stat {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.25rem;
    padding: 1rem 1.25rem;
    background: var(--accent-light);
    border-radius: 14px;
    width: fit-content;
}
.ep-inline-stat .ep-hero-num {
    font-size: 3rem;
}
@media (max-width: 768px) {
    .ep-grid--reverse {
        grid-template-columns: 1fr;
    }
    .ep-left--img {
        order: -1;
    }
    .ep-hero-img--tall {
        max-width: 220px;
        max-height: 300px;
    }
}

/* ================================================
   DIAMOND FRAME — Rotated 45° Image Frame
   ================================================ */
.frame-diamond-wrap {
    width: 230px;
    height: 230px;
    position: relative;
    margin: 0 auto 1.25rem;
}
.frame-diamond {
    width: 100%;
    height: 100%;
    transform: rotate(45deg);
    border-radius: 24px;
    overflow: hidden;
    border: 4px solid rgba(13,150,104,0.12);
    box-shadow: 0 8px 32px rgba(13,150,104,0.1);
}
.frame-diamond img {
    width: 142%;
    height: 142%;
    object-fit: cover;
    transform: rotate(-45deg) translate(-15%, -15%);
}
.deco-dot {
    position: absolute;
    border-radius: 50%;
    z-index: -1;
    pointer-events: none;
}
.d1{width:50px;height:50px;background:rgba(13,150,104,0.08);top:-10px;right:-15px}
.d2{width:30px;height:30px;background:rgba(16,185,129,0.14);bottom:15px;left:-10px}
.d3{width:18px;height:18px;background:rgba(13,150,104,0.18);top:30%;right:-18px}

@media (max-width: 768px) {
    .frame-diamond-wrap {
        width: 180px;
        height: 180px;
    }
}

/* ================================================
   TRUSTPILOT-STYLE REVIEWS
   ================================================ */
.tp-summary {
    display: grid;
    grid-template-columns: 220px 1fr;
    gap: 2.5rem;
    align-items: center;
    max-width: 760px;
    margin: 0 auto 3rem;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem 2.5rem;
    box-shadow: var(--card-shadow);
}
.tp-score-box {
    text-align: center;
}
.tp-score {
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--text);
    line-height: 1;
}
.tp-stars-big {
    font-size: 1.5rem;
    color: #00B67A;
    letter-spacing: 2px;
    margin: 0.35rem 0;
}
.tp-total {
    font-size: 0.78rem;
    color: var(--text-muted);
}
.tp-bars {
    display: flex;
    flex-direction: column;
    gap: 0.45rem;
}
.tp-bar-row {
    display: grid;
    grid-template-columns: 70px 1fr 36px;
    gap: 0.75rem;
    align-items: center;
}
.tp-bar-label {
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--text-secondary);
}
.tp-bar {
    height: 10px;
    background: #E5EEE9;
    border-radius: 100px;
    overflow: hidden;
}
.tp-bar-fill {
    height: 100%;
    background: #00B67A;
    border-radius: 100px;
}
.tp-bar-great .tp-bar-fill, .tp-bar-fill.tp-bar-great { background: #73CF11; }
.tp-bar-avg .tp-bar-fill, .tp-bar-fill.tp-bar-avg { background: #FFCE00; }
.tp-bar-poor .tp-bar-fill, .tp-bar-fill.tp-bar-poor { background: #FF8622; }
.tp-bar-bad .tp-bar-fill, .tp-bar-fill.tp-bar-bad { background: #FF3722; }
.tp-bar-great { background: #73CF11; }
.tp-bar-avg { background: #FFCE00; }
.tp-bar-poor { background: #FF8622; }
.tp-bar-bad { background: #FF3722; }
.tp-bar-pct {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-align: right;
}

/* Review Cards Grid */
.tp-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
}
.tp-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    transition: all 0.25s;
    display: flex;
    flex-direction: column;
}
.tp-card:hover {
    border-color: rgba(0,182,122,0.25);
    box-shadow: var(--card-shadow-hover);
    transform: translateY(-3px);
}
.tp-card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.75rem;
}
.tp-stars {
    font-size: 1.1rem;
    color: #00B67A;
    letter-spacing: 2px;
}
.tp-verified {
    font-size: 0.7rem;
    font-weight: 600;
    color: #00B67A;
    background: rgba(0,182,122,0.08);
    padding: 0.2rem 0.6rem;
    border-radius: 100px;
}
.tp-title {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 0.6rem;
    line-height: 1.35;
}
.tp-body {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.65;
    border: none;
    margin: 0;
    padding: 0;
    font-style: normal;
    flex: 1;
    margin-bottom: 1.25rem;
}
.tp-author {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding-top: 1rem;
    border-top: 1px solid var(--border);
}
.tp-avatar {
    width: 38px;
    height: 38px;
    background: linear-gradient(135deg, #00B67A, #00D68F);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: #fff;
    font-size: 0.8rem;
    flex-shrink: 0;
}
.tp-name {
    font-weight: 600;
    font-size: 0.88rem;
    color: var(--text);
}
.tp-meta {
    font-size: 0.72rem;
    color: var(--text-muted);
}

@media (max-width: 900px) {
    .tp-grid { grid-template-columns: repeat(2, 1fr); }
    .tp-summary { grid-template-columns: 1fr; text-align: center; }
}
@media (max-width: 600px) {
    .tp-grid { grid-template-columns: 1fr; }
}

/* ================================================
   PRICING — Plan Cards + Comparison Table
   ================================================ */
.o1-plans {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    max-width: 700px;
    margin: 0 auto 3rem;
}
.o1-plan {
    background: var(--card-bg);
    border: 2px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.5rem 2rem;
    position: relative;
    transition: all 0.25s;
}
.o1-plan:hover { box-shadow: var(--card-shadow-hover); }
.o1-plan--pop { border-color: var(--accent); }
.o1-badge {
    position: absolute;
    top: -12px;
    right: 20px;
    background: var(--accent);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 700;
    padding: 0.3rem 0.85rem;
    border-radius: 100px;
}
.o1-plan-name {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 0.5rem;
}
.o1-price {
    font-size: 3rem;
    font-weight: 700;
    color: var(--text);
    line-height: 1;
}
.o1-price span {
    font-size: 1rem;
    font-weight: 400;
    color: var(--text-muted);
}
.o1-desc {
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin: 0.75rem 0 1.5rem;
}
.o1-features {
    list-style: none;
    padding: 0;
}
.o1-features li {
    padding: 0.5rem 0 0.5rem 1.75rem;
    position: relative;
    font-size: 0.88rem;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border);
}
.o1-features li:last-child { border: none; }
.o1-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #00B67A;
    font-weight: 700;
}
.o1-comp {
    max-width: 800px;
    margin: 0 auto;
}
.o1-comp h3 {
    font-size: 1.15rem;
    margin-bottom: 1rem;
    text-align: center;
}
.o1-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.88rem;
    background: var(--card-bg);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--card-shadow);
}
.o1-table th, .o1-table td {
    padding: 0.85rem 1.25rem;
    text-align: left;
    border-bottom: 1px solid var(--border);
}
.o1-table thead th {
    background: var(--accent);
    color: #fff;
    font-weight: 600;
    font-size: 0.82rem;
}
.o1-table td strong { color: var(--accent); }
.o1-table td { color: var(--text-secondary); }
.o1-col-e { background: rgba(13,150,104,0.03); }
.o1-table tbody tr:hover { background: rgba(13,150,104,0.02); }

@media (max-width: 768px) {
    .o1-plans { grid-template-columns: 1fr; }
    .o1-table { font-size: 0.78rem; }
    .o1-table th, .o1-table td { padding: 0.65rem 0.75rem; }
}

/* ================================================
   SECURITY — Shield Hero + 3 Cards + Badges
   ================================================ */
.s1-hero {
    display: grid;
    grid-template-columns: 200px 1fr;
    gap: 2.5rem;
    align-items: center;
    max-width: 800px;
    margin: 0 auto 2.5rem;
}
.s1-shield {
    width: 160px;
    height: 160px;
    margin: 0 auto;
    background: linear-gradient(135deg, #0D9668, #10B981);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 12px 40px rgba(13,150,104,0.2);
    position: relative;
}
.s1-shield::after {
    content: '';
    position: absolute;
    inset: -8px;
    border-radius: 50%;
    border: 2px dashed rgba(13,150,104,0.2);
}
.s1-shield-icon { font-size: 4rem; }
.s1-hero-text h2 { font-size: 1.6rem; margin-bottom: 0.5rem; }
.s1-hero-text p { color: var(--text-secondary); font-size: 0.92rem; }
.s1-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem;
    max-width: 900px;
    margin: 0 auto;
}
.s1-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem 1.5rem;
    text-align: center;
    transition: all 0.25s;
}
.s1-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--card-shadow-hover);
}
.s1-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    margin: 0 auto 1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
}
.s1-c1 .s1-icon { background: linear-gradient(135deg, #D1FAE5, #A7F3D0); }
.s1-c2 .s1-icon { background: linear-gradient(135deg, #DBEAFE, #BFDBFE); }
.s1-c3 .s1-icon { background: linear-gradient(135deg, #FEF3C7, #FDE68A); }
.s1-card h3 { font-size: 1rem; margin-bottom: 0.4rem; }
.s1-card p { font-size: 0.82rem; color: var(--text-secondary); margin: 0; }
.s1-badges {
    display: flex;
    justify-content: center;
    gap: 1rem;
    margin-top: 2.5rem;
    flex-wrap: wrap;
}
.s1-badge {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.6rem 1.25rem;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--text-secondary);
}
.s1-badge-icon { font-size: 1.2rem; }

@media (max-width: 768px) {
    .s1-hero { grid-template-columns: 1fr; text-align: center; }
    .s1-grid { grid-template-columns: 1fr; }
    .s1-shield { width: 120px; height: 120px; }
    .s1-shield-icon { font-size: 3rem; }
}

/* ================================================
   EXPERT ADVICE — Profile + Advice Cards + Quote
   ================================================ */
.expert-profile {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    max-width: 700px;
    margin: 0 auto 2.5rem;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 1.75rem 2rem;
    box-shadow: var(--card-shadow);
}
.expert-avatar {
    width: 72px;
    height: 72px;
    background: linear-gradient(135deg, #0D9668, #10B981);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: #fff;
    font-size: 1.3rem;
    flex-shrink: 0;
    box-shadow: 0 4px 16px rgba(13,150,104,0.2);
}
.expert-info h3 {
    font-size: 1.15rem;
    margin-bottom: 0.15rem;
}
.expert-title {
    font-size: 0.85rem;
    color: var(--accent);
    font-weight: 500;
    margin-bottom: 0.65rem;
}
.expert-creds {
    display: flex;
    gap: 0.75rem;
    flex-wrap: wrap;
}
.expert-cred {
    font-size: 0.75rem;
    color: var(--text-secondary);
    background: var(--bg-alt);
    padding: 0.25rem 0.65rem;
    border-radius: 6px;
}

.advice-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
    max-width: 860px;
    margin: 0 auto;
}
.advice-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem;
    transition: all 0.25s;
    position: relative;
}
.advice-card:hover {
    border-color: rgba(13,150,104,0.2);
    box-shadow: var(--card-shadow-hover);
    transform: translateY(-3px);
}
.advice-num {
    font-size: 2.5rem;
    font-weight: 700;
    color: rgba(13,150,104,0.1);
    line-height: 1;
    margin-bottom: 0.5rem;
}
.advice-card h3 {
    font-size: 1.05rem;
    margin-bottom: 0.5rem;
}
.advice-card p {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.65;
    margin-bottom: 0.75rem;
}
.advice-tag {
    display: inline-block;
    padding: 0.35rem 0.85rem;
    border-radius: 8px;
    font-size: 0.78rem;
    font-weight: 600;
}
.advice-tag--green { background: rgba(13,150,104,0.08); color: var(--accent); }
.advice-tag--blue { background: rgba(37,99,235,0.08); color: #2563EB; }
.advice-tag--yellow { background: rgba(217,119,6,0.08); color: #D97706; }
.advice-tag--purple { background: rgba(124,58,237,0.08); color: #7C3AED; }

.expert-cta {
    max-width: 700px;
    margin: 2.5rem auto 0;
    text-align: center;
    padding: 2rem;
    background: linear-gradient(135deg, rgba(13,150,104,0.04), rgba(16,185,129,0.04));
    border: 1px solid rgba(13,150,104,0.1);
    border-radius: var(--radius-lg);
}
.expert-quote {
    font-size: 1.05rem;
    font-style: italic;
    color: var(--text);
    line-height: 1.6;
    margin-bottom: 0.75rem;
}
.expert-quote-author {
    font-size: 0.85rem;
    color: var(--accent);
    font-weight: 600;
}

@media (max-width: 768px) {
    .expert-profile { flex-direction: column; text-align: center; }
    .expert-creds { justify-content: center; }
    .advice-grid { grid-template-columns: 1fr; }
}

/* Expert Photos & 2-Expert Layout */
.experts-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    max-width: 860px;
    margin: 0 auto 2.5rem;
}
.expert-photo {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
    border: 3px solid rgba(13,150,104,0.15);
    box-shadow: 0 4px 12px rgba(13,150,104,0.1);
}
.expert-quotes-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    max-width: 860px;
    margin: 2.5rem auto 0;
}
.expert-quote-photo {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    object-fit: cover;
    margin: 0 auto 1rem;
    display: block;
    border: 2px solid rgba(13,150,104,0.15);
}
@media (max-width: 768px) {
    .experts-row { grid-template-columns: 1fr; }
    .expert-quotes-row { grid-template-columns: 1fr; }
}

/* ================================================
   FAQ — Numbered Minimal List (Option 3)
   ================================================ */
.f3-list {
    max-width: 750px;
    margin: 0 auto;
}
.f3-item {
    border-bottom: 1px solid var(--border);
    padding: 1.5rem 0;
}
.f3-item:first-child { padding-top: 0; }
.f3-item:last-child { border: none; }
.f3-q {
    display: grid;
    grid-template-columns: 40px 1fr 32px;
    gap: 0.75rem;
    align-items: center;
    cursor: pointer;
    list-style: none;
}
.f3-q::-webkit-details-marker { display: none; }
.f3-num {
    font-size: 1.3rem;
    font-weight: 700;
    color: rgba(13,150,104,0.2);
}
.f3-q h3 {
    font-size: 1rem;
    margin: 0;
    font-weight: 600;
    transition: color 0.2s;
}
.f3-toggle {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--accent-light);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    font-size: 1.1rem;
    transition: all 0.2s;
}
.f3-item[open] .f3-q h3 { color: var(--accent); }
.f3-item[open] .f3-toggle {
    background: var(--accent);
    color: #fff;
    transform: rotate(45deg);
}
.f3-a {
    padding: 0.75rem 0 0 3.25rem;
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.7;
}
.f3-a a {
    color: var(--accent);
    font-weight: 600;
}

/* ================================================
   FOOTER — Dark Green + CTA Banner (Option 1)
   ================================================ */
.footer-cta {
    background: linear-gradient(135deg, #0D9668, #10B981);
    padding: 3rem 2rem;
    border-radius: 20px;
    text-align: center;
    max-width: 900px;
    margin: 0 auto 3rem;
    position: relative;
    z-index: 2;
}
.footer-cta h3 {
    color: #fff;
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
}
.footer-cta p {
    color: rgba(255,255,255,0.75);
    font-size: 0.9rem;
    margin-bottom: 1.5rem;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}
.footer-cta-btn {
    display: inline-block;
    padding: 0.85rem 2rem;
    background: #fff;
    color: #0D9668;
    border-radius: 12px;
    font-weight: 700;
    font-size: 0.95rem;
    transition: all 0.25s;
}
.footer-cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0,0,0,0.15);
    color: #0D9668;
}
.footer-seo {
    padding: 2rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    margin-bottom: 2rem;
}
.footer-seo h3 {
    color: #6EE7B7;
    font-size: 0.95rem;
    margin-bottom: 0.5rem;
}
.footer-seo p {
    color: rgba(255,255,255,0.3);
    font-size: 0.82rem;
}

/* ================================================
   NAV — Dropdown Style (Reference Match)
   ================================================ */
.nav-link {
    padding: 0.5rem 0.85rem;
    font-size: 0.88rem;
    color: var(--text-secondary);
    text-decoration: none;
    transition: color 0.2s;
    white-space: nowrap;
    position: relative;
    background: none;
    border: none;
    font-family: var(--font);
    cursor: pointer;
}
.nav-link:hover { color: var(--text); }
.nav-link.active {
    color: var(--accent);
    font-weight: 600;
}
.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0.85rem;
    right: 0.85rem;
    height: 2px;
    background: var(--accent);
    border-radius: 2px;
}
.nav-dropdown {
    position: relative;
}
.nav-drop-btn {
    display: flex;
    align-items: center;
    gap: 0.3rem;
}
.nav-arrow {
    font-size: 0.7rem;
    transition: transform 0.2s;
}
.nav-dropdown:hover .nav-arrow,
.nav-dropdown.open .nav-arrow {
    transform: rotate(180deg);
}
.nav-drop-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: 12px;
    box-shadow: 0 8px 32px rgba(0,0,0,0.08);
    padding: 0.5rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.2s;
    z-index: 200;
}
.nav-dropdown:hover .nav-drop-menu,
.nav-dropdown.open .nav-drop-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.nav-drop-menu a {
    display: block;
    padding: 0.65rem 1rem;
    color: var(--text-secondary);
    font-size: 0.88rem;
    border-radius: 8px;
    transition: all 0.15s;
    text-decoration: none;
}
.nav-drop-menu a:hover {
    background: var(--accent-light);
    color: var(--accent);
}
.nav-drop-menu a.active {
    background: var(--accent-light);
    color: var(--accent);
    font-weight: 600;
}
.nav-cta {
    padding: 0.55rem 1.25rem !important;
    background: var(--accent) !important;
    color: #fff !important;
    border-radius: 10px;
    font-weight: 600;
    font-size: 0.88rem;
    text-decoration: none;
    white-space: nowrap;
    transition: all 0.2s;
    margin-left: 0.5rem;
}
.nav-cta:hover {
    background: var(--accent-dark) !important;
    transform: translateY(-1px);
}

/* Mobile dropdown */
@media (max-width: 768px) {
    .nav-dropdown { width: 100%; }
    .nav-drop-btn { width: 100%; justify-content: space-between; padding: 0.75rem 0; }
    .nav-drop-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        padding: 0 0 0 1rem;
        display: none;
        background: transparent;
    }
    .nav-dropdown.open .nav-drop-menu { display: block; }
    .nav-drop-menu a { padding: 0.5rem 0; }
    .nav-link.active::after { display: none; }
    .nav-cta { margin-left: 0; margin-top: 0.5rem; text-align: center; display: block; }
}


/* === PAGE HERO with Image === */
.page-header .hero-split {
    display: grid;
    grid-template-columns: 1fr 280px;
    gap: 2.5rem;
    align-items: center;
    text-align: left;
}
.page-header .hero-split .hero-text {
    position: relative;
    z-index: 2;
}
.page-header .hero-split .hero-img {
    display: flex;
    align-items: center;
    justify-content: center;
}
.page-header .hero-split .hero-img img {
    width: 100%;
    max-width: 240px;
    max-height: 300px;
    object-fit: contain;
    border-radius: 20px;
    filter: drop-shadow(0 8px 24px rgba(0,0,0,0.15));
}
.page-header .hero-split .breadcrumbs {
    text-align: left;
}
.page-header .hero-split p {
    margin: 0;
}
.page-header .hero-split .hero-stats-mini {
    justify-content: flex-start;
}
@media (max-width: 768px) {
    .page-header .hero-split {
        grid-template-columns: 1fr;
        text-align: center;
    }
    .page-header .hero-split .hero-img {
        order: -1;
    }
    .page-header .hero-split .hero-img img {
        max-width: 180px;
        max-height: 220px;
    }
    .page-header .hero-split .breadcrumbs { text-align: center; }
    .page-header .hero-split .hero-stats-mini { justify-content: center; }
}

/* === BLOG CARDS === */
.blog-featured-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}
.blog-card {
    display: block;
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 1.25rem 1.5rem;
    text-decoration: none;
    transition: all 0.2s;
}
.blog-card:hover {
    border-color: var(--accent);
    box-shadow: 0 4px 16px rgba(13,150,104,0.1);
    transform: translateY(-2px);
}
.blog-card h3 {
    font-size: 1rem;
    color: var(--text);
    margin: 0.4rem 0 0.3rem;
    line-height: 1.4;
}
.blog-card p {
    font-size: 0.82rem;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.5;
}
.blog-date {
    font-size: 0.72rem;
    color: var(--text-muted);
    margin-top: 0.4rem;
    display: block;
}
.blog-cat {
    display: inline-block;
    padding: 0.15rem 0.6rem;
    border-radius: 20px;
    font-size: 0.68rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.blog-cat--green { background: #D1FAE5; color: #065F46; }
.blog-cat--blue { background: #DBEAFE; color: #1E40AF; }
.blog-cat--purple { background: #EDE9FE; color: #5B21B6; }
.blog-cat--red { background: #FEE2E2; color: #DC2626; }

/* === LEGAL PAGES (Privacy, Terms) === */
.legal-toc {
    background: var(--accent-light);
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 1.5rem 2rem;
    margin-bottom: 2.5rem;
}
.legal-toc h2 {
    font-size: 1rem;
    margin-bottom: 0.75rem;
    color: var(--accent);
}
.legal-toc ol {
    padding-left: 1.25rem;
    columns: 2;
    column-gap: 2rem;
}
.legal-toc li {
    margin-bottom: 0.35rem;
    font-size: 0.88rem;
    break-inside: avoid;
}
.legal-toc a {
    color: var(--text-secondary);
    text-decoration: none;
}
.legal-toc a:hover {
    color: var(--accent);
}
@media (max-width: 600px) {
    .legal-toc ol { columns: 1; }
}

/* Logo underline accent */
.site-header .logo::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 30px;
    width: 42px;
    height: 2px;
    background: #10B981;
    border-radius: 1px;
}
.site-header .logo {
    position: relative;
}