/* ==========================================================================
   BoatInsuranceTalk - Cloudflare Pages Landing Page Stylesheet
   Theme: Nautical / Marine Authority
   ========================================================================== */

/* --------------------------------------------------------------------------
   CSS Variables & Design Tokens
   -------------------------------------------------------------------------- */
:root {
  /* Color Palette */
  --color-primary-dark: #07162c;
  --color-primary-navy: #0d233e;
  --color-primary-ocean: #103b66;
  --color-accent-cyan: #00b4d8;
  --color-accent-blue: #0077b6;
  --color-accent-gold: #f59e0b;
  --color-accent-amber: #d97706;
  --color-accent-emerald: #10b981;
  --color-accent-rose: #ef4444;

  /* Neutrals & Surfaces */
  --bg-page: #f8fafc;
  --bg-card: #ffffff;
  --bg-subtle: #f1f5f9;
  --text-main: #1e293b;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --border-light: #e2e8f0;
  --border-accent: rgba(0, 180, 216, 0.25);

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 8px 24px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 16px 40px rgba(15, 23, 42, 0.12);
  --shadow-glow: 0 0 25px rgba(0, 180, 216, 0.2);

  /* Typography */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Transitions */
  --transition-smooth: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --------------------------------------------------------------------------
   Reset & Baseline
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  color: var(--text-main);
  background-color: var(--bg-page);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--color-accent-blue);
  text-decoration: none;
  transition: var(--transition-smooth);
}

a:hover {
  color: var(--color-accent-cyan);
}

/* --------------------------------------------------------------------------
   Reading Progress Bar
   -------------------------------------------------------------------------- */
#reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 4px;
  width: 0%;
  background: linear-gradient(90deg, var(--color-accent-cyan), var(--color-accent-gold));
  z-index: 9999;
  transition: width 0.1s linear;
}

/* --------------------------------------------------------------------------
   Global Navigation
   -------------------------------------------------------------------------- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(7, 22, 44, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(0, 180, 216, 0.2);
  padding: 14px 24px;
}

.nav-container {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.brand-icon {
  font-size: 1.6rem;
  line-height: 1;
}

.brand-name {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.25rem;
  color: #ffffff;
  letter-spacing: -0.02em;
}

.brand-name span {
  color: var(--color-accent-cyan);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  list-style: none;
}

.nav-links a {
  color: #e2e8f0;
  font-size: 0.92rem;
  font-weight: 500;
  transition: var(--transition-smooth);
}

.nav-links a:hover {
  color: var(--color-accent-cyan);
}

.nav-btn {
  background: linear-gradient(135deg, var(--color-accent-cyan), var(--color-accent-blue));
  color: #ffffff !important;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.88rem;
  padding: 9px 20px;
  border-radius: 50px;
  box-shadow: 0 4px 14px rgba(0, 180, 216, 0.3);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.nav-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0, 180, 216, 0.45);
}

/* --------------------------------------------------------------------------
   Hero Section
   -------------------------------------------------------------------------- */
.hero {
  background: linear-gradient(145deg, var(--color-primary-dark) 0%, var(--color-primary-navy) 50%, var(--color-primary-ocean) 100%);
  padding: 85px 24px 90px;
  text-align: center;
  position: relative;
  overflow: hidden;
  color: #ffffff;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 15%, rgba(0, 180, 216, 0.18) 0%, transparent 65%);
  pointer-events: none;
}

.hero-inner {
  max-width: 880px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.hero-badge-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}

.badge-authority {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0, 180, 216, 0.15);
  border: 1px solid rgba(0, 180, 216, 0.35);
  color: var(--color-accent-cyan);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
}

.reading-time {
  font-size: 0.85rem;
  color: #cbd5e1;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.hero h1 {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(2.1rem, 5vw, 3.4rem);
  line-height: 1.15;
  margin-bottom: 22px;
  letter-spacing: -0.02em;
}

.hero h1 .gradient-text {
  background: linear-gradient(135deg, #ffffff 30%, var(--color-accent-cyan) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero h1 .highlight-gold {
  color: var(--color-accent-gold);
}

.hero-subtitle {
  font-size: clamp(1.05rem, 2.2vw, 1.25rem);
  color: #cbd5e1;
  max-width: 760px;
  margin: 0 auto 42px;
  line-height: 1.7;
}

.hero-stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 780px;
  margin: 0 auto 36px;
}

.stat-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  padding: 20px 14px;
  backdrop-filter: blur(8px);
  transition: var(--transition-smooth);
}

.stat-card:hover {
  background: rgba(255, 255, 255, 0.09);
  border-color: rgba(0, 180, 216, 0.4);
  transform: translateY(-2px);
}

.stat-num {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(1.7rem, 3.5vw, 2.2rem);
  color: var(--color-accent-cyan);
  display: block;
  line-height: 1.1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.82rem;
  color: #94a3b8;
  line-height: 1.4;
  font-weight: 500;
}

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

.btn-primary {
  background: linear-gradient(135deg, var(--color-accent-cyan), var(--color-accent-blue));
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1rem;
  padding: 14px 30px;
  border-radius: 50px;
  box-shadow: 0 4px 20px rgba(0, 180, 216, 0.4);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.btn-primary:hover {
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0, 180, 216, 0.55);
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  padding: 13px 26px;
  border-radius: 50px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.16);
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   Table of Contents Card
   -------------------------------------------------------------------------- */
.toc-container {
  max-width: 860px;
  margin: -40px auto 0;
  padding: 0 24px;
  position: relative;
  z-index: 10;
}

.toc-box {
  background: var(--bg-card);
  border: 1px solid var(--border-light);
  border-radius: 20px;
  padding: 30px 36px;
  box-shadow: var(--shadow-lg);
}

.toc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-light);
}

.toc-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--color-primary-navy);
  display: flex;
  align-items: center;
  gap: 10px;
}

.toc-grid {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
}

.toc-grid li a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--color-primary-ocean);
  padding: 5px 0;
  transition: var(--transition-smooth);
}

.toc-grid li a:hover {
  color: var(--color-accent-blue);
  transform: translateX(3px);
}

.toc-badge {
  width: 24px;
  height: 24px;
  background: var(--bg-subtle);
  color: var(--color-primary-navy);
  border: 1px solid var(--border-light);
  border-radius: 50%;
  font-size: 0.75rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* --------------------------------------------------------------------------
   Article Content Layout
   -------------------------------------------------------------------------- */
.article-wrapper {
  max-width: 860px;
  margin: 0 auto;
  padding: 60px 24px 80px;
}

.article-section {
  margin-bottom: 64px;
  scroll-margin-top: 90px;
}

.section-badge {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent-blue);
  background: rgba(0, 119, 182, 0.08);
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 12px;
}

.section-heading {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(1.5rem, 3.5vw, 2.1rem);
  color: var(--color-primary-navy);
  line-height: 1.25;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.section-heading .heading-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--color-primary-ocean), var(--color-primary-navy));
  color: var(--color-accent-cyan);
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}

p.lead-paragraph {
  font-size: 1.15rem;
  color: #334155;
  line-height: 1.8;
  margin-bottom: 20px;
  font-weight: 400;
}

p.body-text {
  font-size: 1.05rem;
  color: #475569;
  line-height: 1.85;
  margin-bottom: 20px;
}

strong {
  color: var(--color-primary-navy);
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   Special Link & Backlink Styles
   -------------------------------------------------------------------------- */
.intext-backlink {
  color: var(--color-accent-blue);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: rgba(0, 119, 182, 0.4);
  text-underline-offset: 3px;
  transition: var(--transition-smooth);
}

.intext-backlink:hover {
  color: var(--color-accent-cyan);
  text-decoration-color: var(--color-accent-cyan);
}

.resource-callout-card {
  background: linear-gradient(135deg, #f0f9ff, #e0f2fe);
  border: 1px solid #bae6fd;
  border-left: 5px solid var(--color-accent-blue);
  border-radius: 16px;
  padding: 24px;
  margin: 28px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  box-shadow: var(--shadow-sm);
}

.rcc-content h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--color-primary-navy);
  margin-bottom: 6px;
}

.rcc-content p {
  font-size: 0.92rem;
  color: #0369a1;
  line-height: 1.55;
  margin: 0;
}

.rcc-btn {
  background: var(--color-accent-blue);
  color: #ffffff !important;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.88rem;
  padding: 10px 20px;
  border-radius: 50px;
  white-space: nowrap;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: 0 3px 12px rgba(0, 119, 182, 0.25);
}

.rcc-btn:hover {
  background: var(--color-primary-ocean);
  transform: translateY(-1px);
}

/* --------------------------------------------------------------------------
   Problem & Risk Cards Grid
   -------------------------------------------------------------------------- */
.risk-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin: 28px 0;
}

.risk-card {
  background: var(--bg-card);
  border-radius: 16px;
  padding: 24px;
  border: 1px solid var(--border-light);
  border-top: 4px solid var(--color-accent-rose);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-smooth);
}

.risk-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.risk-icon {
  font-size: 1.8rem;
  margin-bottom: 12px;
  display: block;
}

.risk-card h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.02rem;
  color: var(--color-primary-navy);
  margin-bottom: 8px;
}

.risk-card p {
  font-size: 0.92rem;
  color: #64748b;
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   Pro Tip / Warning Callout Boxes
   -------------------------------------------------------------------------- */
.pro-tip-box {
  background: linear-gradient(135deg, #fffbeb, #fef3c7);
  border: 1px solid #fde68a;
  border-left: 5px solid var(--color-accent-gold);
  border-radius: 16px;
  padding: 22px 26px;
  margin: 28px 0;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.pro-tip-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.pro-tip-box strong {
  font-family: var(--font-heading);
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #92400e;
  display: block;
  margin-bottom: 6px;
}

.pro-tip-box p {
  font-size: 0.95rem;
  color: #78350f;
  line-height: 1.65;
  margin: 0;
}

.warning-callout {
  background: linear-gradient(135deg, #fff5f5, #fee2e2);
  border: 1px solid #fecaca;
  border-left: 5px solid var(--color-accent-rose);
  border-radius: 16px;
  padding: 22px 26px;
  margin: 28px 0;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.warning-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.warning-callout strong {
  font-family: var(--font-heading);
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #991b1b;
  display: block;
  margin-bottom: 6px;
}

.warning-callout p {
  font-size: 0.95rem;
  color: #7f1d1d;
  line-height: 1.65;
  margin: 0;
}

/* --------------------------------------------------------------------------
   Step-by-Step Guide Layout
   -------------------------------------------------------------------------- */
.step-container {
  margin: 32px 0;
}

.step-row {
  display: flex;
  gap: 22px;
  margin-bottom: 36px;
  align-items: flex-start;
}

.step-num-badge {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--color-primary-navy), var(--color-primary-ocean));
  color: var(--color-accent-cyan);
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 1.3rem;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(7, 22, 44, 0.2);
}

.step-text h3 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--color-primary-navy);
  margin-bottom: 8px;
}

.step-text p {
  font-size: 1rem;
  color: #475569;
  line-height: 1.8;
  margin-bottom: 12px;
}

/* --------------------------------------------------------------------------
   Comparison Table
   -------------------------------------------------------------------------- */
.table-card {
  background: var(--bg-card);
  border: 1px solid var(--border-light);
  border-radius: 20px;
  padding: 32px;
  margin: 36px 0;
  box-shadow: var(--shadow-md);
  overflow-x: auto;
}

.table-card h3 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--color-primary-navy);
  margin-bottom: 8px;
}

.table-card p.table-sub {
  font-size: 0.92rem;
  color: #64748b;
  margin-bottom: 24px;
}

.custom-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 620px;
}

.custom-table th {
  background: var(--color-primary-navy);
  color: #ffffff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.88rem;
  padding: 14px 18px;
  text-align: left;
}

.custom-table th:first-child {
  border-top-left-radius: 10px;
}

.custom-table th:last-child {
  border-top-right-radius: 10px;
}

.custom-table th.highlight-col {
  background: var(--color-accent-blue);
}

.custom-table td {
  padding: 16px 18px;
  font-size: 0.92rem;
  color: #334155;
  border-bottom: 1px solid var(--border-light);
}

.custom-table tr.highlight-row td {
  background: rgba(0, 119, 182, 0.04);
  font-weight: 600;
}

.custom-table tr:last-child td {
  border-bottom: none;
}

.badge-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: 50px;
  text-transform: uppercase;
}

.badge-recommended {
  background: #dcfce7;
  color: #166534;
}

.badge-caution {
  background: #fef3c7;
  color: #92400e;
}

.badge-basic {
  background: #f1f5f9;
  color: #475569;
}

/* --------------------------------------------------------------------------
   FAQ Accordion Section
   -------------------------------------------------------------------------- */
.faq-wrap {
  margin: 32px 0;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border-light);
  border-radius: 16px;
  margin-bottom: 14px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: var(--transition-smooth);
}

.faq-item:hover {
  border-color: #cbd5e1;
}

.faq-question {
  padding: 22px 26px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-primary-navy);
  user-select: none;
  transition: background 0.2s;
}

.faq-question:hover {
  background: var(--bg-subtle);
}

.faq-chevron {
  font-size: 1.1rem;
  transition: transform 0.3s ease;
  color: var(--color-accent-blue);
  flex-shrink: 0;
}

.faq-item.active .faq-chevron {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 26px 24px;
  font-size: 0.98rem;
  color: #475569;
  line-height: 1.75;
}

/* --------------------------------------------------------------------------
   Bottom Hero / Bridge Banner
   -------------------------------------------------------------------------- */
.bridge-banner {
  background: linear-gradient(145deg, var(--color-primary-dark), var(--color-primary-ocean));
  border-radius: 24px;
  padding: 50px 36px;
  color: #ffffff;
  text-align: center;
  margin: 48px 0;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.bridge-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 0%, rgba(0, 180, 216, 0.2) 0%, transparent 70%);
  pointer-events: none;
}

.bridge-banner h2 {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  margin-bottom: 16px;
}

.bridge-banner p {
  font-size: 1.08rem;
  color: #cbd5e1;
  max-width: 640px;
  margin: 0 auto 30px;
  line-height: 1.7;
}

/* --------------------------------------------------------------------------
   Sticky Bottom CTA Bar
   -------------------------------------------------------------------------- */
#sticky-cta-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 998;
  background: rgba(7, 22, 44, 0.98);
  backdrop-filter: blur(12px);
  border-top: 1px solid rgba(0, 180, 216, 0.3);
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  box-shadow: 0 -8px 30px rgba(7, 22, 44, 0.35);
  transform: translateY(110%);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

#sticky-cta-bar.visible {
  transform: translateY(0);
}

.sticky-info {
  display: flex;
  align-items: center;
  gap: 14px;
}

.sticky-icon {
  font-size: 1.6rem;
}

.sticky-text h5 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.95rem;
  color: #ffffff;
  margin-bottom: 2px;
}

.sticky-text p {
  font-size: 0.82rem;
  color: #94a3b8;
  margin: 0;
}

.sticky-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.sticky-btn {
  background: linear-gradient(135deg, var(--color-accent-cyan), var(--color-accent-blue));
  color: #ffffff !important;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 0.88rem;
  padding: 9px 20px;
  border-radius: 50px;
  white-space: nowrap;
}

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

.sticky-close {
  background: none;
  border: none;
  color: #94a3b8;
  font-size: 1.3rem;
  cursor: pointer;
  padding: 4px;
  line-height: 1;
}

.sticky-close:hover {
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   Site Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--color-primary-dark);
  color: #94a3b8;
  padding: 60px 24px 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-container {
  max-width: 1180px;
  margin: 0 auto;
}

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

.footer-col h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.1rem;
  color: #ffffff;
  margin-bottom: 16px;
}

.footer-col p {
  font-size: 0.9rem;
  line-height: 1.65;
  color: #94a3b8;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: #cbd5e1;
  font-size: 0.88rem;
  transition: var(--transition-smooth);
}

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

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
  text-align: center;
  color: #64748b;
}

/* --------------------------------------------------------------------------
   Responsive Breakpoints
   -------------------------------------------------------------------------- */
@media (max-width: 900px) {
  .hero-stats-grid {
    grid-template-columns: 1fr;
    max-width: 380px;
  }

  .toc-grid {
    grid-template-columns: 1fr;
  }

  .risk-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .nav-links {
    display: none;
  }
}

@media (max-width: 600px) {
  .navbar {
    padding: 12px 18px;
  }

  .hero {
    padding: 55px 18px 70px;
  }

  .article-wrapper {
    padding: 40px 18px 60px;
  }

  .toc-box {
    padding: 22px 20px;
  }

  .resource-callout-card {
    flex-direction: column;
    align-items: flex-start;
  }

  .step-row {
    flex-direction: column;
    gap: 12px;
  }

  .table-card {
    padding: 20px 14px;
  }

  #sticky-cta-bar {
    flex-direction: column;
    align-items: stretch;
    padding: 12px 18px;
  }

  .sticky-actions {
    justify-content: space-between;
  }
}