/* =========================================================================
   CASHCOMPASS — STYLESHEET
   Navigate your money with confidence.

   Contents:
   1. Design tokens (variables)
   2. Reset & base
   3. Typography & utility classes
   4. Layout helpers
   5. Buttons
   6. Header & navigation
   7. Hero
   8. Trust bar
   9. Section headers & featured articles
   10. Money Compass (categories — signature element)
   11. Calculators
   12. Testimonials
   13. Newsletter
   14. FAQ accordion
   15. Final CTA
   16. Footer
   17. Animations & reveal-on-scroll
   18. Responsive breakpoints
   ========================================================================= */


/* ---------- 1. DESIGN TOKENS ---------- */
:root {
  /* Colour palette — deep navy, emerald, muted gold, warm white */
  --navy-900: #081526;
  --navy-800: #0B1D33;
  --navy-700: #132A45;
  --navy-600: #1C3C5E;

  --emerald-700: #0B5B41;
  --emerald-600: #0E6E4E;
  --emerald-500: #12885F;
  --emerald-100: #E4F3EC;

  --gold-600: #A9843F;
  --gold-500: #C6A15B;
  --gold-300: #E6CE9C;

  --white: #FFFFFF;
  --mist: #F5F7F6;
  --line: #E4E8E6;
  --ink: #101826;
  --ink-soft: #4B5563;
  --ink-faint: #7C8896;

  /* Typography */
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'IBM Plex Mono', 'SF Mono', monospace;

  /* Spacing scale */
  --space-1: 0.5rem;
  --space-2: 0.75rem;
  --space-3: 1rem;
  --space-4: 1.5rem;
  --space-5: 2rem;
  --space-6: 3rem;
  --space-7: 4.5rem;
  --space-8: 6rem;

  /* Shape & shadow */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --shadow-sm: 0 2px 8px rgba(8, 21, 38, 0.06);
  --shadow-md: 0 12px 32px rgba(8, 21, 38, 0.10);
  --shadow-lg: 0 24px 64px rgba(8, 21, 38, 0.18);

  --container-w: 1200px;
  --transition: 240ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- 2. RESET & BASE ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, svg { max-width: 100%; display: block; }

h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.15; margin: 0; color: var(--navy-800); }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
button { font-family: inherit; cursor: pointer; }
input, select { font-family: inherit; font-size: 1rem; }

/* Visible keyboard focus everywhere */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible {
  outline: 2px solid var(--gold-500);
  outline-offset: 3px;
  border-radius: 4px;
}

/* ---------- 3. TYPOGRAPHY & UTILITIES ---------- */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: 1rem; top: -60px;
  background: var(--navy-800);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  z-index: 1000;
  transition: top var(--transition);
}
.skip-link:focus { top: 1rem; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--emerald-600);
  margin: 0 0 var(--space-2);
}
.eyebrow--light { color: var(--gold-300); }
.eyebrow--gold { color: var(--gold-500); }

.section__head { max-width: 640px; margin: 0 auto var(--space-6); text-align: center; }
.section__title { font-size: clamp(1.9rem, 3.2vw, 2.6rem); font-weight: 600; }
.section__title--light { color: var(--white); }
.section__lead { margin-top: var(--space-3); font-size: 1.08rem; color: var(--ink-soft); }
.section__lead--light { color: rgba(255,255,255,0.78); }

/* ---------- 4. LAYOUT ---------- */
.container {
  width: 100%;
  max-width: var(--container-w);
  margin-inline: auto;
  padding-inline: var(--space-4);
}
.container--narrow { max-width: 820px; }

.section { padding-block: var(--space-8); }
.section--navy { background: var(--navy-800); }
.section--mist { background: var(--mist); }

/* ---------- 5. BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 0.85rem 1.5rem;
  border-radius: 999px;
  border: 1px solid transparent;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  white-space: nowrap;
}
.btn--small { padding: 0.6rem 1.1rem; font-size: 0.88rem; }
.btn--large { padding: 1rem 1.9rem; font-size: 1.02rem; }

.btn--primary { background: var(--emerald-600); color: var(--white); box-shadow: var(--shadow-sm); }
.btn--primary:hover { background: var(--emerald-700); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn--gold { background: var(--gold-500); color: var(--navy-900); box-shadow: var(--shadow-sm); }
.btn--gold:hover { background: var(--gold-300); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn--outline { background: transparent; border-color: var(--navy-700); color: var(--navy-800); }
.btn--outline:hover { background: var(--navy-800); color: var(--white); }

.btn--ghost { background: transparent; color: var(--navy-700); }
.btn--ghost:hover { background: var(--emerald-100); color: var(--emerald-700); }

/* ---------- 6. HEADER & NAVIGATION ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow var(--transition), background var(--transition);
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding-block: 0.85rem;
}

.brand { display: inline-flex; align-items: center; gap: 0.6rem; }
.brand__mark { width: 34px; height: 34px; flex-shrink: 0; }
.brand__compass { width: 100%; height: 100%; }
.brand__ring { fill: var(--navy-800); }
.brand__needle { fill: var(--emerald-500); }
.brand--footer .brand__ring { fill: var(--white); }

.brand__text { font-family: var(--font-display); font-size: 1.3rem; font-weight: 600; color: var(--navy-800); letter-spacing: -0.01em; }
.brand__text em { font-style: normal; color: var(--emerald-600); }
.brand--footer .brand__text { color: var(--white); }
.brand--footer .brand__text em { color: var(--gold-500); }

.nav__list { display: flex; align-items: center; gap: var(--space-4); }
.nav__link {
  font-size: 0.94rem;
  font-weight: 500;
  color: var(--ink-soft);
  padding: 0.4rem 0.1rem;
  position: relative;
  transition: color var(--transition);
}
.nav__link::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold-500);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.nav__link:hover, .nav__link.is-active { color: var(--navy-800); }
.nav__link:hover::after, .nav__link.is-active::after { transform: scaleX(1); }

.header__actions { display: flex; align-items: center; gap: var(--space-2); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px; height: 40px;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0;
}
.nav-toggle__bar { width: 18px; height: 2px; background: var(--navy-800); margin-inline: auto; transition: transform var(--transition), opacity var(--transition); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- 7. HERO ---------- */
.hero {
  padding-block: var(--space-8) var(--space-7);
  background:
    radial-gradient(circle at 82% 12%, rgba(198,161,91,0.10), transparent 42%),
    linear-gradient(180deg, #FBFCFB 0%, var(--white) 60%);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-7);
  align-items: center;
}
.hero__title {
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: -0.01em;
}
.hero__title-accent { color: var(--emerald-600); }
.hero__lead { margin-top: var(--space-3); font-size: 1.15rem; color: var(--ink-soft); max-width: 46ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-5); }

.hero__stats { display: flex; gap: var(--space-6); margin-top: var(--space-6); padding-top: var(--space-5); border-top: 1px solid var(--line); }
.hero__stat dt { font-size: 0.82rem; color: var(--ink-faint); margin-bottom: 0.25rem; }
.hero__stat dd { margin: 0; font-family: var(--font-mono); font-size: 1.5rem; font-weight: 600; color: var(--navy-800); }

/* Hero compass visual */
.hero__visual { display: flex; justify-content: center; }
.hero-compass { position: relative; width: min(360px, 100%); aspect-ratio: 1; }
.hero-compass__dial { width: 100%; height: 100%; filter: drop-shadow(var(--shadow-lg)); }
.dial__ring-outer { fill: var(--white); stroke: var(--line); stroke-width: 2; }
.dial__ring-inner { fill: none; stroke: var(--emerald-100); stroke-width: 1; }
.dial__label { font-family: var(--font-mono); font-size: 13px; font-weight: 600; fill: var(--ink-faint); text-anchor: middle; }

.hero-compass__needle {
  position: absolute;
  inset: 0;
  margin: auto;
  width: 34%;
  animation: needle-settle 3.2s ease-in-out infinite;
  transform-origin: 50% 50%;
}
.needle__north { fill: var(--emerald-600); }
.needle__south { fill: var(--gold-500); }

@keyframes needle-settle {
  0%   { transform: rotate(-6deg); }
  50%  { transform: rotate(4deg); }
  100% { transform: rotate(-6deg); }
}

.hero-compass__badge {
  position: absolute;
  bottom: -14px; left: 50%;
  transform: translateX(-50%);
  background: var(--navy-800);
  color: var(--white);
  padding: 0.7rem 1.2rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 160px;
}
.badge__value { font-family: var(--font-display); font-weight: 600; font-size: 1rem; }
.badge__label { font-size: 0.72rem; color: var(--gold-300); letter-spacing: 0.04em; margin-top: 2px; }

/* ---------- 8. TRUST BAR ---------- */
.trust-bar { background: var(--emerald-700); padding-block: var(--space-3); }
.trust-bar__inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-6);
  color: rgba(255,255,255,0.92);
  font-size: 0.88rem;
  font-weight: 500;
}
.trust-bar__inner p { display: flex; align-items: center; gap: 0.5rem; }
.trust-bar__inner i { color: var(--gold-300); }

/* ---------- 9. FEATURED ARTICLES ---------- */
.article-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
}
.article-card--feature { grid-column: span 4; display: grid; grid-template-columns: 1.1fr 1fr; }
.article-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.article-card__media {
  display: flex; align-items: flex-end; padding: var(--space-3);
  min-height: 150px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
}
.article-card--feature .article-card__media { min-height: 100%; }
.article-card__tag {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.3);
  padding: 0.3rem 0.7rem;
  border-radius: 999px;
}
.article-card__tag--saving { background: rgba(18,136,95,0.35); }
.article-card__tag--debt { background: rgba(198,161,91,0.28); }
.article-card__tag--investing { background: rgba(11,91,65,0.4); }

.article-card__body { padding: var(--space-4); display: flex; flex-direction: column; gap: 0.6rem; }
.article-card__meta { font-size: 0.8rem; color: var(--ink-faint); }
.article-card__title { font-size: 1.1rem; font-weight: 600; }
.article-card--feature .article-card__title { font-size: 1.5rem; }
.article-card__title a:hover { color: var(--emerald-600); }
.article-card__excerpt { color: var(--ink-soft); font-size: 0.95rem; }
.article-card__link { font-weight: 600; font-size: 0.9rem; color: var(--emerald-600); display: inline-flex; align-items: center; gap: 0.4rem; margin-top: auto; }
.article-card__link i { transition: transform var(--transition); }
.article-card:hover .article-card__link i { transform: translateX(3px); }

/* ---------- 10. MONEY COMPASS (signature element) ---------- */
.compass-wrap { display: flex; justify-content: center; padding-block: var(--space-4); }
.compass {
  position: relative;
  width: min(560px, 100%);
  aspect-ratio: 1;
}
.compass__rose { width: 100%; height: 100%; }
.compass__ring { fill: none; stroke: rgba(255,255,255,0.14); stroke-width: 1.5; }
.compass__ring--inner { stroke: rgba(198,161,91,0.22); stroke-dasharray: 4 6; }
.compass__hub { fill: var(--gold-500); }

.compass__needle {
  position: absolute;
  inset: 0; margin: auto;
  width: 20%;
  transform: rotate(var(--angle));
  transition: transform 700ms cubic-bezier(0.34, 1.56, 0.64, 1);
  transform-origin: 50% 50%;
}
.compass__needle .needle__north { fill: var(--gold-500); }
.compass__needle .needle__south { fill: rgba(255,255,255,0.25); }

.compass__points { position: absolute; inset: 0; }
.compass__point {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%) rotate(var(--angle)) translate(0, -172px) rotate(calc(-1 * var(--angle)));
}
.compass__card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0.35rem;
  width: 148px;
  padding: var(--space-3);
  background: var(--navy-700);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  transition: transform var(--transition), background var(--transition), border-color var(--transition);
}
.compass__card:hover, .compass__card:focus-visible {
  background: var(--emerald-600);
  border-color: var(--gold-500);
  transform: translateY(-4px);
}
.compass__bearing { font-family: var(--font-mono); font-size: 0.72rem; color: var(--gold-300); letter-spacing: 0.06em; }
.compass__card i { font-size: 1.35rem; color: var(--white); margin: 0.15rem 0; }
.compass__name { font-family: var(--font-display); font-weight: 600; color: var(--white); font-size: 1rem; }
.compass__desc { font-size: 0.78rem; color: rgba(255,255,255,0.68); }

/* ---------- 11. CALCULATORS ---------- */
.calc-panel {
  max-width: 880px;
  margin-inline: auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.calc-tabs { display: flex; background: var(--mist); border-bottom: 1px solid var(--line); }
.calc-tab {
  flex: 1;
  display: flex; align-items: center; justify-content: center; gap: 0.5rem;
  background: transparent;
  border: none;
  border-bottom: 2px solid transparent;
  padding: 1rem;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--ink-faint);
  transition: color var(--transition), border-color var(--transition), background var(--transition);
}
.calc-tab:hover { color: var(--navy-800); }
.calc-tab.is-active { color: var(--emerald-700); border-color: var(--emerald-600); background: var(--white); }

.calc-view { padding: var(--space-5); }
.calc-view.is-hidden { display: none; }

.calc-form__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-3) var(--space-4); margin-bottom: var(--space-4); }
.field { display: flex; flex-direction: column; gap: 0.4rem; }
.field label { font-size: 0.85rem; font-weight: 600; color: var(--navy-700); }
.field input, .field select {
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: var(--font-mono);
  font-size: 0.98rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.field input:focus, .field select:focus {
  border-color: var(--emerald-500);
  box-shadow: 0 0 0 3px rgba(14,110,78,0.14);
  outline: none;
}

.calc-result {
  margin-top: var(--space-5);
  padding-top: var(--space-5);
  border-top: 1px dashed var(--line);
}
.calc-result__main { display: flex; flex-direction: column; margin-bottom: var(--space-3); }
.calc-result__label { font-size: 0.85rem; color: var(--ink-faint); }
.calc-result__value { font-family: var(--font-display); font-size: 2.4rem; font-weight: 600; color: var(--emerald-700); }
.calc-result__grid { display: flex; gap: var(--space-5); margin-bottom: var(--space-4); flex-wrap: wrap; }
.calc-result__grid span { display: block; font-size: 0.82rem; color: var(--ink-faint); }
.calc-result__grid strong { font-family: var(--font-mono); font-size: 1.1rem; color: var(--navy-800); }

.calc-bar { display: flex; width: 100%; height: 12px; border-radius: 999px; overflow: hidden; background: var(--line); }
.calc-bar__fill { height: 100%; transition: width 600ms ease; }
.calc-bar__fill--deposit { background: var(--navy-600); }
.calc-bar__fill--interest { background: var(--gold-500); }

.calc-stack { display: flex; width: 100%; height: 14px; border-radius: 999px; overflow: hidden; background: var(--line); margin-bottom: var(--space-3); }
.calc-stack__seg { height: 100%; transition: width 600ms ease; }

.calc-legend { display: flex; flex-wrap: wrap; gap: var(--space-3); }
.calc-legend li { display: flex; align-items: center; gap: 0.4rem; font-size: 0.82rem; color: var(--ink-soft); }
.calc-legend span.swatch { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }

.calc-disclaimer {
  display: flex; gap: 0.5rem; align-items: flex-start;
  font-size: 0.8rem; color: var(--ink-faint);
  padding: var(--space-3) var(--space-5);
  background: var(--mist);
  border-top: 1px solid var(--line);
}
.calc-disclaimer i { margin-top: 0.15rem; color: var(--gold-600); }

/* ---------- 12. TESTIMONIALS ---------- */
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
.testimonial-card {
  margin: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  position: relative;
  box-shadow: var(--shadow-sm);
}
.testimonial-card__mark { color: var(--emerald-100); font-size: 1.6rem; position: absolute; top: var(--space-3); right: var(--space-4); }
.testimonial-card blockquote { margin: 0 0 var(--space-4); font-size: 0.98rem; color: var(--ink); line-height: 1.65; }
.testimonial-card figcaption { display: flex; flex-direction: column; }
.testimonial-card__name { font-weight: 700; color: var(--navy-800); font-size: 0.92rem; }
.testimonial-card__role { font-size: 0.8rem; color: var(--ink-faint); }

/* ---------- 13. NEWSLETTER ---------- */
.newsletter {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  padding-block: var(--space-7);
}
.newsletter__inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--space-6); align-items: center; }
.newsletter__form { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.newsletter__field {
  flex: 1 1 240px;
  display: flex; align-items: center; gap: 0.6rem;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 999px;
  padding: 0.2rem 0.2rem 0.2rem 1rem;
}
.newsletter__field i { color: var(--gold-300); }
.newsletter__field input {
  flex: 1; background: transparent; border: none; color: var(--white);
  padding: 0.75rem 0.4rem; font-size: 0.96rem;
}
.newsletter__field input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter__field input:focus { outline: none; }
.newsletter__note { flex-basis: 100%; font-size: 0.85rem; color: var(--gold-300); min-height: 1.2em; }

/* ---------- 14. FAQ ACCORDION ---------- */
.accordion__item { border-bottom: 1px solid var(--line); }
.accordion__item h3 { margin: 0; }
.accordion__trigger {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between; gap: var(--space-3);
  background: transparent; border: none;
  padding: var(--space-4) 0.25rem;
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--navy-800);
  text-align: left;
}
.accordion__icon { transition: transform var(--transition); color: var(--emerald-600); flex-shrink: 0; }
.accordion__trigger[aria-expanded="true"] .accordion__icon { transform: rotate(180deg); }
.accordion__panel { overflow: hidden; padding: 0 0.25rem; max-height: 0; transition: max-height 320ms ease, padding var(--transition); }
.accordion__panel:not([hidden]) { max-height: 240px; padding-bottom: var(--space-4); }
.accordion__panel p { color: var(--ink-soft); font-size: 0.98rem; max-width: 68ch; }

/* ---------- 15. FINAL CTA ---------- */
.final-cta {
  background: radial-gradient(circle at 30% 20%, rgba(198,161,91,0.16), transparent 55%), var(--emerald-700);
  padding-block: var(--space-7);
  text-align: center;
}
.final-cta__inner { display: flex; flex-direction: column; align-items: center; gap: var(--space-3); max-width: 640px; margin-inline: auto; }
.final-cta .btn { margin-top: var(--space-2); }

/* ---------- 16. FOOTER ---------- */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,0.72); padding-top: var(--space-7); }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: var(--space-5); padding-bottom: var(--space-6); }
.footer__tagline { margin-top: var(--space-2); font-size: 0.9rem; color: rgba(255,255,255,0.55); max-width: 26ch; }
.footer__social { display: flex; gap: 0.7rem; margin-top: var(--space-4); }
.footer__social a {
  width: 34px; height: 34px; display: flex; align-items: center; justify-content: center;
  border: 1px solid rgba(255,255,255,0.16); border-radius: 999px;
  transition: background var(--transition), border-color var(--transition);
}
.footer__social a:hover { background: var(--emerald-600); border-color: var(--emerald-600); }

.footer__col h3 { color: var(--white); font-size: 0.85rem; letter-spacing: 0.06em; text-transform: uppercase; font-family: var(--font-body); font-weight: 700; margin-bottom: var(--space-3); }
.footer__col ul { display: flex; flex-direction: column; gap: 0.65rem; }
.footer__col a { font-size: 0.92rem; transition: color var(--transition); }
.footer__col a:hover { color: var(--gold-300); }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-block: var(--space-4);
  display: flex; justify-content: space-between; gap: var(--space-4); flex-wrap: wrap;
  font-size: 0.8rem;
}
.footer__disclaimer { max-width: 60ch; color: rgba(255,255,255,0.45); }

/* ---------- 17. ANIMATIONS / REVEAL-ON-SCROLL ---------- */
[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity 700ms ease, transform 700ms ease; }
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; }
  .hero-compass__needle { animation: none; }
}

/* ---------- 18. RESPONSIVE ---------- */
@media (max-width: 1080px) {
  .article-grid { grid-template-columns: repeat(2, 1fr); }
  .article-card--feature { grid-column: span 2; grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 960px) {
  .nav, .header__actions { display: none; }
  .nav-toggle { display: flex; }

  .nav.is-open {
    display: block;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    padding: var(--space-3) var(--space-4) var(--space-4);
  }
  .nav.is-open .nav__list { flex-direction: column; align-items: flex-start; gap: 0.2rem; }
  .nav.is-open .nav__link { display: block; width: 100%; padding: 0.7rem 0.2rem; }

  .hero__grid { grid-template-columns: 1fr; }
  .hero__visual { order: -1; margin-bottom: var(--space-4); }
  .hero-compass { width: min(280px, 80%); margin-inline: auto; }
  .hero__stats { gap: var(--space-5); }

  .newsletter__inner { grid-template-columns: 1fr; text-align: center; }
  .newsletter__form { justify-content: center; }

  .compass__point { transform: translate(-50%, -50%) rotate(var(--angle)) translate(0, -130px) rotate(calc(-1 * var(--angle))); }
  .compass__card { width: 120px; padding: var(--space-2); }
}

@media (max-width: 720px) {
  .testimonial-grid { grid-template-columns: 1fr; }
  .calc-form__grid { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; }

  /* Compass collapses to a simple stacked list on small screens for legibility */
  .compass { aspect-ratio: auto; height: auto; }
  .compass__rose, .compass__needle { display: none; }
  .compass__points { position: static; display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-3); }
  .compass__point { position: static; transform: none; }
  .compass__card { width: 100%; }
}

@media (max-width: 560px) {
  .hero__stats { flex-wrap: wrap; row-gap: var(--space-3); }
  .article-grid { grid-template-columns: 1fr; }
  .article-card--feature { grid-column: span 1; }
  .compass__points { grid-template-columns: 1fr 1fr; }
}