:root{
  --blue-primary:#0B5ED7;
  --blue-dark:#123C8C;
  --blue-ink:#0B1E3D;
  --orange:#F34F36;
  --orange-dark:#DC3F28;
  --orange-tint:#FFF1EE;
  --text-dark:#1A2332;
  --text-gray:#5B6B82;
  --text-mute:#8896AB;
  --bg-soft:#F6F8FC;
  --border:#E6EBF3;
  --white:#FFFFFF;
  --radius-lg:18px;
  --radius-md:12px;
  --radius-sm:8px;
  --shadow-sm:0 2px 10px rgba(11,30,61,0.06);
  --shadow-md:0 10px 30px rgba(11,30,61,0.08);
  --shadow-lg:0 20px 50px rgba(11,30,61,0.12);
}

.eyebrow{
  display:inline-flex;align-items:center;gap:6px;
  font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--orange);
}
.eyebrow::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--orange);}

/* ============ HEADER ============ */
.site-header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:80px;}
.logo{display:flex;align-items:center;gap:10px;font-family:'Poppins',sans-serif;}
.logo-mark{width:38px;height:38px;flex-shrink:0;}
.logo-text{font-weight:700;font-size:19px;color:var(--blue-dark);line-height:1.1;}
.logo-text span{display:block;font-size:11px;font-weight:500;color:var(--orange);letter-spacing:.03em;}
.main-nav{display:flex;align-items:center;gap:6px;}
.main-nav a{
  padding:10px 16px;font-size:14.5px;font-weight:500;color:var(--text-dark);
  border-radius:8px;transition:.2s;
}
.main-nav a:hover{background:var(--bg-soft);color:var(--blue-primary);}
.main-nav a.active{background:var(--orange);color:var(--white);font-weight:600;}
.nav-toggle{display:none;flex-direction:column;gap:5px;width:26px;}
.nav-toggle span{height:2px;background:var(--blue-ink);border-radius:2px;}

/* ============ BREADCRUMB ============ */
.breadcrumb-bar{padding:18px 0;border-bottom:1px solid var(--border);}
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:8px;font-size:13.5px;color:var(--text-mute);}
.breadcrumb a{color:var(--text-gray);font-weight:500;transition:.2s;}
.breadcrumb a:hover{color:var(--orange);}
.breadcrumb .sep{color:#C6D0E0;}
.breadcrumb .current{color:var(--blue-primary);font-weight:600;}

/* ============ BLOG HERO ============ */
.blog-hero{padding:44px 0 30px;}
.blog-hero .badge{
  display:inline-block;background:var(--orange);color:var(--white);
  font-size:11.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  padding:7px 16px;border-radius:100px;margin-bottom:20px;
}
.blog-title{
  font-size:clamp(28px,4vw,42px);font-weight:700;line-height:1.22;
  color:var(--blue-ink);max-width:900px;margin-bottom:18px;
}
.blog-excerpt{font-size:17px;color:var(--text-gray);max-width:760px;margin-bottom:26px;}
.blog-meta{display:flex;align-items:center;flex-wrap:wrap;gap:22px;padding-bottom:28px;border-bottom:1px solid var(--border);}
.meta-item{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--text-gray);font-weight:500;}
.meta-item .icon{width:18px;height:18px;color:var(--orange);flex-shrink:0;}
.author-avatar{
  width:34px;height:34px;border-radius:50%;background:var(--blue-primary);
  color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;font-family:'Poppins',sans-serif;
}
.share-row{display:flex;align-items:center;gap:10px;margin-left:auto;}
.share-label{font-size:13px;color:var(--text-mute);font-weight:600;margin-right:2px;}
.share-icon{
  width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:var(--bg-soft);color:var(--blue-dark);transition:.2s;
}
.share-icon:hover{background:var(--orange);color:#fff;transform:translateY(-2px);}
.share-icon svg{width:16px;height:16px;}

/* ============ FEATURED IMAGE ============ */
.featured-image{margin:32px 0 8px;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md);}
.featured-image img{width:100%;height:clamp(240px,42vw,460px);object-fit:cover;}

/* ============ LAYOUT GRID ============ */
.blog-layout{
  display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:52px;
  padding:44px 0 80px;align-items:start;
}
.blog-content section{margin-bottom:44px;scroll-margin-top:100px;}
.section-heading{
  display:flex;align-items:center;gap:12px;margin-bottom:16px;
}
.section-heading .bar{width:5px;height:26px;background:var(--orange);border-radius:4px;flex-shrink:0;}
.section-heading h2{font-size:23px;font-weight:700;color:var(--blue-ink);}
.blog-content h3{font-size:18px;font-weight:600;color:var(--blue-dark);margin:20px 0 8px;}
.blog-content p{font-size:15.5px;color:var(--text-gray);margin-bottom:14px;}

/* ============ BENEFIT CARDS ============ */
.card-grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px;}
.benefit-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);
  padding:22px 18px;transition:.25s;
}
.benefit-card:hover{border-color:var(--orange);box-shadow:var(--shadow-sm);transform:translateY(-3px);}
.benefit-card .ic{
  width:42px;height:42px;border-radius:10px;background:var(--orange-tint);color:var(--orange);
  display:flex;align-items:center;justify-content:center;margin-bottom:14px;
}
.benefit-card .ic svg{width:21px;height:21px;}
.benefit-card h4{font-size:15px;font-weight:600;color:var(--blue-ink);margin-bottom:6px;font-family:'Poppins',sans-serif;}
.benefit-card p{font-size:13.3px;color:var(--text-gray);margin:0;}

/* ============ INVESTMENT AREA CARDS ============ */
.card-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:22px;}
.area-card{border-radius:var(--radius-md);overflow:hidden;border:1px solid var(--border);transition:.25s;background:#fff;}
.area-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px);}
.area-card img{width:100%;height:150px;object-fit:cover;}
.area-card .area-body{padding:16px 16px 18px;}
.area-card h4{font-size:15.5px;font-weight:600;color:var(--blue-ink);margin-bottom:4px;font-family:'Poppins',sans-serif;}
.area-card span{font-size:13px;color:var(--orange);font-weight:600;}

/* ============ CHECKLIST + QUOTE ROW ============ */
.check-quote-row{display:grid;grid-template-columns:1.15fr 1fr;gap:22px;margin-top:22px;align-items:stretch;}
.checklist{background:var(--bg-soft);border-radius:var(--radius-md);padding:24px;border:1px solid var(--border);}
.checklist li{display:flex;align-items:flex-start;gap:12px;font-size:14.5px;color:var(--text-dark);font-weight:500;padding:9px 0;}
.checklist li:not(:last-child){border-bottom:1px dashed var(--border);}
.check-dot{
  width:20px;height:20px;border-radius:50%;background:var(--orange);color:#fff;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;margin-top:1px;
}
.check-dot svg{width:11px;height:11px;}
.quote-box{
  background:linear-gradient(155deg,var(--orange-tint) 0%,#fff 100%);
  border:1px solid #FBD9D0;border-radius:var(--radius-md);padding:26px 24px;
  display:flex;flex-direction:column;justify-content:center;position:relative;
}
.quote-box::before{
  content:'\201C';position:absolute;top:8px;left:20px;font-size:64px;font-family:Georgia,serif;
  color:var(--orange);opacity:.25;line-height:1;
}
.quote-tag{font-size:11.5px;font-weight:700;letter-spacing:.05em;color:var(--orange-dark);text-transform:uppercase;margin-bottom:10px;}
.quote-box p{font-size:16.5px;font-weight:600;color:var(--blue-ink);font-family:'Poppins',sans-serif;line-height:1.45;margin:0;}

/* ============ AUTHOR BOX ============ */
.author-box{
  display:flex;align-items:center;gap:16px;background:var(--bg-soft);border-radius:var(--radius-md);
  padding:18px 20px;border:1px solid var(--border);margin-top:24px;
}
.author-box .av{
  width:52px;height:52px;border-radius:50%;background:var(--blue-dark);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-family:'Poppins',sans-serif;font-size:16px;flex-shrink:0;
}
.author-box h4{font-size:15px;font-weight:600;margin-bottom:3px;}
.author-box p{font-size:13.3px;color:var(--text-gray);margin:0;}

/* ============ SIDEBAR ============ */
.sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:20px;}
.side-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-md);padding:22px;box-shadow:var(--shadow-sm);}
.side-card h3{font-size:14px;font-weight:700;color:var(--blue-dark);text-transform:uppercase;letter-spacing:.04em;margin-bottom:16px;}
.toc-list li{position:relative;padding-left:18px;margin-bottom:12px;}
.toc-list li::before{content:'';position:absolute;left:0;top:6px;width:6px;height:6px;border-radius:50%;background:var(--orange-tint);border:2px solid var(--orange);}
.toc-list a{font-size:13.8px;color:var(--text-gray);font-weight:500;transition:.2s;}
.toc-list a:hover,.toc-list a.active{color:var(--orange);font-weight:600;}

.cta-side{
  background:linear-gradient(160deg,var(--blue-dark) 0%,var(--blue-ink) 100%);
  border-radius:var(--radius-md);overflow:hidden;color:#fff;padding:0;border:none;
}
.cta-side .cta-top{padding:24px 22px 16px;}
.cta-side .eyebrow{color:var(--orange);}
.cta-side h3{color:#fff;font-size:19px;font-weight:700;text-transform:none;letter-spacing:0;margin:8px 0 6px;font-family:'Poppins',sans-serif;}
.cta-side p{font-size:13.5px;color:#C9D6EE;margin-bottom:16px;}
.cta-btn{
  display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:#fff;
  font-size:14px;font-weight:600;padding:11px 20px;border-radius:8px;transition:.2s;
}
.cta-btn:hover{background:var(--orange-dark);transform:translateX(2px);}
.cta-side img{width:100%;height:150px;object-fit:cover;}

.quick-facts li{display:flex;gap:12px;padding:12px 0;}
.quick-facts li:not(:last-child){border-bottom:1px solid var(--border);}
.quick-facts .qf-ic{
  width:34px;height:34px;border-radius:8px;background:var(--orange-tint);color:var(--orange);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.quick-facts .qf-ic svg{width:16px;height:16px;}
.quick-facts strong{display:block;font-size:13.5px;color:var(--blue-ink);font-weight:600;}
.quick-facts span{font-size:13px;color:var(--text-gray);}

/* ============ RELATED ARTICLES ============ */
.related-section{padding:10px 0 70px;border-top:1px solid var(--border);}
.related-section .section-heading{margin-top:44px;}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px;}
.related-card{border-radius:var(--radius-md);overflow:hidden;border:1px solid var(--border);transition:.25s;}
.related-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px);}
.related-card img{width:100%;height:170px;object-fit:cover;}
.related-body{padding:16px 18px 20px;}
.related-body h4{font-size:15.5px;font-weight:600;color:var(--blue-ink);margin-bottom:10px;line-height:1.4;font-family:'Poppins',sans-serif;}
.related-meta{display:flex;gap:12px;font-size:12.5px;color:var(--text-mute);font-weight:500;}

/* ============ CTA BANNER ============ */
.cta-banner{
  background:#0973ba;
  border-radius:var(--radius-lg);padding:40px 44px;margin:0 32px 70px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
  max-width:1216px;margin-left:auto;margin-right:auto;
}
.cta-banner-left{display:flex;align-items:center;gap:20px;}
.cta-banner-icon{
  width:56px;height:56px;border-radius:14px;background:rgba(255,255,255,0.12);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.cta-banner-icon svg{width:28px;height:28px;color:var(--orange);}
.cta-banner h3{color:#fff;font-size:21px;font-weight:700;margin-bottom:6px;}
.cta-banner p{color:#C9D6EE;font-size:14.5px;max-width:480px;}
.cta-banner-actions{display:flex;gap:12px;flex-wrap:wrap;}
.btn-solid{background:var(--orange);color:#fff;font-weight:600;font-size:14.5px;padding:13px 24px;border-radius:9px;display:inline-flex;align-items:center;gap:8px;transition:.2s;}
.btn-solid:hover{background:var(--orange-dark);}
.btn-outline{border:1.5px solid rgba(255,255,255,0.4);color:#fff;font-weight:600;font-size:14.5px;padding:13px 24px;border-radius:9px;display:inline-flex;align-items:center;gap:8px;transition:.2s;}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,0.08);}

/* ============ FOOTER ============ */
.site-footer{background:var(--blue-ink);color:#C9D6EE;padding-top:56px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px;padding-bottom:40px;}
.footer-brand .logo-text{color:#fff;}
.footer-brand p{font-size:13.5px;color:#9FB1CE;margin:14px 0 18px;max-width:280px;}
.footer-social{display:flex;gap:10px;}
.footer-social a{width:34px;height:34px;border-radius:50%;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;transition:.2s;}
.footer-social a:hover{background:var(--orange);}
.footer-social svg{width:15px;height:15px;color:#fff;}
.footer-col h4{color:#fff;font-size:14.5px;font-weight:600;margin-bottom:16px;font-family:'Poppins',sans-serif;}
.footer-col li{margin-bottom:10px;}
.footer-col a{font-size:13.8px;color:#9FB1CE;display:flex;align-items:center;gap:6px;transition:.2s;}
.footer-col a:hover{color:var(--orange);}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:#9FB1CE;margin-bottom:14px;}
.footer-contact .fic{width:16px;height:16px;color:var(--orange);flex-shrink:0;margin-top:2px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding:18px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;color:#8296B8;}
/*.footer-bottom a{color:#8296B8;}*/
 .footer-bottom a{color:#fff;}
.footer-bottom a:hover{color:var(--orange);}
.footer-bottom-links{display:flex;gap:18px;}

/* ============ RESPONSIVE ============ */
@media(max-width:1080px){
  .blog-layout{grid-template-columns:1fr;}
  .sidebar{position:static;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:860px){
  .main-nav{position:fixed;top:80px;left:0;right:0;bottom:0;background:#fff;flex-direction:column;align-items:stretch;padding:20px;gap:4px;transform:translateX(-100%);transition:.3s;overflow-y:auto;}
  .main-nav.open{transform:translateX(0);}
  .main-nav a{padding:14px 16px;font-size:15.5px;}
  .nav-toggle{display:flex;}
  .card-grid-4{grid-template-columns:repeat(2,1fr);}
  .card-grid-3{grid-template-columns:1fr;}
  .check-quote-row{grid-template-columns:1fr;}
  .related-grid{grid-template-columns:1fr;}
  .sidebar{grid-template-columns:1fr;}
  .cta-banner{padding:32px 26px;margin:0 20px 60px;}
  .footer-grid{grid-template-columns:1fr;gap:30px;}
  .container{padding:0 20px;}
}
@media(max-width:520px){
  .card-grid-4{grid-template-columns:1fr;}
  .header-inner{height:70px;}
  .blog-hero{padding:30px 0 22px;}
  .share-row{margin-left:0;width:100%;padding-top:10px;}
  .blog-meta{gap:14px;}
}
.skip-link:focus{position:fixed;top:8px;left:8px;background:#fff;padding:10px 16px;z-index:999;border-radius:6px;box-shadow:var(--shadow-md);}
a:focus-visible,button:focus-visible{outline:2px solid var(--blue-primary);outline-offset:2px;}