/* ============================================
   HOUSEHOLD FINANCE ORGANIZATION - styles.css
   Shared Stylesheet
   ============================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@400;600;700&family=Jost:wght@300;400;500&display=swap');

/* --- CSS Variables --- */
:root {
  --white: #FFFFFF;
  --beige: #FAF8F4;
  --beige-dark: #F0EBE3;
  --blue: #4A7BA7;
  --blue-light: #EAF2F8;
  --blue-dark: #2E5F82;
  --text: #2C2E35;
  --text-light: #6B7280;
  --border: #E5DED4;
  --shadow: 0 2px 16px rgba(44,46,53,0.08);
  --shadow-md: 0 4px 32px rgba(44,46,53,0.12);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s ease;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--blue-dark); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: 'Jost', sans-serif; }

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Cormorant Garamond', serif;
  line-height: 1.2;
  color: var(--text);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 700; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 600; }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.9rem); font-weight: 600; }
h4 { font-size: 1.3rem; font-weight: 600; }
p { color: var(--text-light); font-weight: 300; font-size: 1.05rem; }
.lead { font-size: 1.2rem; font-weight: 400; color: var(--text); }

/* --- Layout --- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 120px 0; }
.section-beige { background: var(--beige); }
.section-blue-light { background: var(--blue-light); }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }

/* --- Section Headers --- */
.section-header { text-align: center; margin-bottom: 56px; }
.section-header .label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-light);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p { max-width: 600px; margin: 0 auto; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 8px;
  font-family: 'Jost', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-primary:hover {
  background: var(--blue-dark);
  border-color: var(--blue-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(74,123,167,0.35);
}
.btn-secondary {
  background: transparent;
  color: var(--blue);
  border-color: var(--blue);
}
.btn-secondary:hover {
  background: var(--blue);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-white {
  background: var(--white);
  color: var(--blue-dark);
  border-color: var(--white);
}
.btn-white:hover {
  background: var(--beige);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}
.btn-sm { padding: 10px 22px; font-size: 0.9rem; }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; }

/* --- Cards --- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  transition: var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: var(--blue-light);
}
.card-icon {
  width: 56px;
  height: 56px;
  background: var(--blue-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.card-icon svg { width: 28px; height: 28px; }

/* --- Navigation --- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 0;
}
.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.navbar-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.navbar-logo-icon {
  width: 38px;
  height: 38px;
}
.navbar-logo-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.2;
}
.navbar-logo-text span { color: var(--blue); display: block; font-weight: 400; font-size: 0.75rem; letter-spacing: 0.05em; }
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-menu a {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text);
  padding: 8px 12px;
  border-radius: 6px;
  transition: var(--transition);
  white-space: nowrap;
}
.nav-menu a:hover, .nav-menu a.active {
  color: var(--blue);
  background: var(--blue-light);
}
.nav-cta {
  background: var(--blue) !important;
  color: var(--white) !important;
  padding: 8px 18px !important;
  border-radius: 6px !important;
}
.nav-cta:hover {
  background: var(--blue-dark) !important;
  color: var(--white) !important;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: var(--transition);
}
.mobile-menu {
  display: none;
  flex-direction: column;
  padding: 16px 24px 24px;
  border-top: 1px solid var(--border);
  background: var(--white);
}
.mobile-menu a {
  padding: 12px 0;
  color: var(--text);
  font-weight: 500;
  border-bottom: 1px solid var(--beige-dark);
  display: block;
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover, .mobile-menu a.active { color: var(--blue); }

/* --- Hero Sections --- */
.hero {
  background: linear-gradient(135deg, var(--beige) 0%, var(--white) 60%, var(--blue-light) 100%);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(74,123,167,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-content { max-width: 620px; }
.hero-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-light);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.hero h1 { margin-bottom: 20px; }
.hero p.lead { margin-bottom: 36px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-illustration { display: flex; justify-content: center; align-items: center; }

/* --- Stats --- */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stat-item {}
.stat-number {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem;
  font-weight: 700;
  color: var(--blue);
  display: block;
  line-height: 1;
}
.stat-label {
  font-size: 0.95rem;
  color: var(--text-light);
  margin-top: 8px;
}

/* --- Steps --- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; position: relative; }
.steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(16.66% + 32px);
  right: calc(16.66% + 32px);
  height: 2px;
  background: linear-gradient(to right, var(--blue-light), var(--blue), var(--blue-light));
  z-index: 0;
}
.step { text-align: center; position: relative; z-index: 1; }
.step-number {
  width: 64px;
  height: 64px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 20px;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 2px var(--blue);
}
.step h3 { margin-bottom: 12px; font-size: 1.2rem; }

/* --- Testimonials --- */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: 'Cormorant Garamond', serif;
  font-size: 5rem;
  color: var(--blue-light);
  position: absolute;
  top: 8px;
  left: 24px;
  line-height: 1;
}
.testimonial-text { font-style: italic; margin-bottom: 20px; color: var(--text); font-size: 1rem; padding-top: 24px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  overflow: hidden;
  background: var(--blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
}
.testimonial-name { font-weight: 500; font-size: 0.95rem; color: var(--text); }
.testimonial-role { font-size: 0.8rem; color: var(--text-light); }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 100%);
  padding: 80px 0;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -60%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.8); margin-bottom: 32px; font-size: 1.1rem; }
.cta-banner .btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* --- Forms --- */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 8px;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: 'Jost', sans-serif;
  font-size: 1rem;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(74,123,167,0.15);
}
.form-control::placeholder { color: var(--text-light); }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
textarea.form-control { resize: vertical; min-height: 120px; }

/* --- Tables --- */
.table-wrapper { overflow-x: auto; }
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
}
th {
  background: var(--blue-light);
  color: var(--blue-dark);
  font-weight: 500;
  font-family: 'Jost', sans-serif;
  padding: 14px 20px;
  text-align: left;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
}
tr:last-child td { border-bottom: none; }
tr:hover td { background: var(--beige); }

/* --- Accordion --- */
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.accordion-header {
  padding: 20px 24px;
  background: var(--white);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 500;
  color: var(--text);
  transition: var(--transition);
  user-select: none;
}
.accordion-header:hover { background: var(--beige); }
.accordion-header.active { background: var(--blue-light); color: var(--blue-dark); }
.accordion-icon {
  width: 20px;
  height: 20px;
  transition: transform 0.3s ease;
  color: var(--blue);
}
.accordion-header.active .accordion-icon { transform: rotate(180deg); }
.accordion-body {
  display: none;
  padding: 0 24px 20px;
  background: var(--white);
  color: var(--text-light);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* --- Progress Bars --- */
.progress-bar-wrapper { margin-bottom: 16px; }
.progress-label { display: flex; justify-content: space-between; font-size: 0.9rem; font-weight: 500; margin-bottom: 8px; color: var(--text); }
.progress-track { background: var(--beige-dark); border-radius: 50px; height: 10px; overflow: hidden; }
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--blue-dark));
  border-radius: 50px;
  width: 0;
  transition: width 1.2s ease;
}

/* --- Tags & Badges --- */
.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 500;
  background: var(--blue-light);
  color: var(--blue-dark);
}
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 500;
}
.badge-blue { background: var(--blue); color: var(--white); }
.badge-green { background: #D1FAE5; color: #065F46; }
.badge-orange { background: #FEF3C7; color: #92400E; }
.badge-red { background: #FEE2E2; color: #991B1B; }

/* --- Info Box --- */
.info-box {
  padding: 20px 24px;
  border-radius: var(--radius);
  border-left: 4px solid var(--blue);
  background: var(--blue-light);
  margin: 24px 0;
}
.info-box p { color: var(--text); margin: 0; }
.warning-box {
  border-left-color: #F59E0B;
  background: #FEF3C7;
}
.warning-box p { color: #92400E; }
.success-box {
  border-left-color: #10B981;
  background: #D1FAE5;
}
.success-box p { color: #065F46; }

/* --- Toast Notifications --- */
#toast-container {
  position: fixed;
  top: 20px;
  right: 20px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.toast {
  min-width: 280px;
  max-width: 380px;
  padding: 16px 20px;
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow-md);
  border-left: 4px solid var(--blue);
  display: flex;
  align-items: flex-start;
  gap: 12px;
  animation: toastIn 0.3s ease;
  font-size: 0.92rem;
  color: var(--text);
}
.toast.success { border-left-color: #10B981; }
.toast.error { border-left-color: #EF4444; }
.toast.warning { border-left-color: #F59E0B; }
.toast-icon { flex-shrink: 0; margin-top: 2px; }
.toast-msg { flex: 1; }
.toast-close { cursor: pointer; color: var(--text-light); font-size: 1.2rem; line-height: 1; padding: 0 4px; flex-shrink: 0; background: none; border: none; }
.toast-close:hover { color: var(--text); }
@keyframes toastIn {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes toastOut {
  from { opacity: 1; transform: translateX(0); max-height: 100px; }
  to { opacity: 0; transform: translateX(40px); max-height: 0; padding: 0; margin: 0; }
}
.toast.removing { animation: toastOut 0.3s ease forwards; }

/* --- Footer --- */
.footer {
  background: var(--text);
  color: var(--white);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.footer-logo-text {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}
.footer-logo-text span { color: rgba(255,255,255,0.6); display: block; font-size: 0.75rem; font-weight: 300; }
.footer-tagline { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.6; margin-bottom: 20px; }
.footer-contact { font-size: 0.88rem; color: rgba(255,255,255,0.6); line-height: 1.8; }
.footer-contact a { color: rgba(255,255,255,0.7); }
.footer-contact a:hover { color: var(--white); }
.footer-col h5 {
  font-family: 'Jost', sans-serif;
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  color: rgba(255,255,255,0.7);
  font-size: 0.92rem;
  transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--white); padding-left: 4px; }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--white); }

/* --- Page Breadcrumb --- */
.breadcrumb {
  padding: 16px 0;
  font-size: 0.85rem;
  color: var(--text-light);
  border-bottom: 1px solid var(--border);
}
.breadcrumb a { color: var(--text-light); }
.breadcrumb a:hover { color: var(--blue); }
.breadcrumb span { margin: 0 8px; }

/* --- Sidebar Layout --- */
.content-sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
  align-items: start;
}
.sidebar-card {
  background: var(--beige);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 24px;
}
.sidebar-card h4 { margin-bottom: 16px; font-size: 1.1rem; }
.sidebar-card ul li { padding: 8px 0; border-bottom: 1px solid var(--border); }
.sidebar-card ul li:last-child { border-bottom: none; }
.sidebar-card ul li a { font-size: 0.92rem; color: var(--text); }
.sidebar-card ul li a:hover { color: var(--blue); }

/* --- Blog Cards --- */
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}
.blog-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.blog-card-thumb {
  width: 100%;
  aspect-ratio: 16/9;
  background: var(--blue-light);
  overflow: hidden;
}
.blog-card-body { padding: 24px; }
.blog-card-meta { display: flex; gap: 12px; align-items: center; margin-bottom: 12px; font-size: 0.82rem; color: var(--text-light); }
.blog-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.blog-card p { font-size: 0.92rem; margin-bottom: 16px; }

/* --- Filter Tabs --- */
.filter-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 40px; }
.filter-tab {
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.88rem;
  font-weight: 500;
  border: 1.5px solid var(--border);
  background: var(--white);
  color: var(--text-light);
  cursor: pointer;
  transition: var(--transition);
}
.filter-tab:hover { border-color: var(--blue); color: var(--blue); }
.filter-tab.active { background: var(--blue); color: var(--white); border-color: var(--blue); }

/* --- Timeline --- */
.timeline { position: relative; padding-left: 32px; }
.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--blue), var(--blue-light));
}
.timeline-item { position: relative; margin-bottom: 40px; }
.timeline-item::before {
  content: '';
  position: absolute;
  left: -38px;
  top: 6px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--blue);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--blue);
}
.timeline-year {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--blue);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.timeline-item h4 { margin-bottom: 8px; }
.timeline-item p { font-size: 0.93rem; }

/* --- Calculator Box --- */
.calc-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.calc-result {
  background: var(--blue-light);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  margin-top: 24px;
}
.calc-result .result-value {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--blue-dark);
  display: block;
}
.calc-result .result-label { font-size: 0.9rem; color: var(--text-light); margin-top: 4px; }

/* --- Team Cards --- */
.team-card {
  text-align: center;
  padding: 32px 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.team-avatar {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  margin: 0 auto 16px;
  overflow: hidden;
  background: var(--blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
}
.team-name { font-size: 1.15rem; margin-bottom: 4px; }
.team-role { font-size: 0.88rem; color: var(--blue); font-weight: 500; margin-bottom: 12px; }
.team-bio { font-size: 0.88rem; color: var(--text-light); }

/* --- Star Rating --- */
.stars { color: #F59E0B; font-size: 1.1rem; letter-spacing: 2px; }

/* --- Divider --- */
.divider { height: 1px; background: var(--border); margin: 48px 0; }

/* --- List Styles --- */
.check-list { }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 8px 0;
  color: var(--text-light);
  font-size: 0.95rem;
}
.check-list li::before {
  content: '';
  width: 20px;
  height: 20px;
  min-width: 20px;
  background: var(--blue-light);
  border-radius: 50%;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='10' viewBox='0 0 12 10'%3E%3Cpath d='M1 5l3.5 3.5L11 1' stroke='%234A7BA7' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  margin-top: 2px;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .hero-split { grid-template-columns: 1fr; gap: 40px; }
  .hero-illustration { display: none; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .steps::before { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .content-sidebar-layout { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .hero { padding: 56px 0 72px; }
  .calc-box { padding: 24px; }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .hero-btns { flex-direction: column; }
  .btn-lg { width: 100%; justify-content: center; }
}