/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Source Sans 3', sans-serif; color: #1a1a2e; background: #fff; overflow-x: hidden; }

/* ===== CSS VARS ===== */
:root {
  --navy: #0F4C75;
  --teal: #1B9AAA;
  --gold: #F0C040;
  --light-bg: #F7FAFB;
  --text: #2d2d44;
  --muted: #6b7280;
  --border: #e5e9ef;
}

/* ===== NAVBAR ===== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.95); backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: all 0.3s;
}
.navbar.scrolled { border-bottom-color: var(--border); box-shadow: 0 2px 20px rgba(0,0,0,.08); }
.nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; height: 70px; display: flex; align-items: center; gap: 32px; }
.logo-link { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { display: flex; }
.logo-text { font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 700; color: var(--navy); }
.nav-links { display: flex; gap: 28px; margin-left: auto; }
.nav-links a { text-decoration: none; color: var(--text); font-weight: 600; font-size: 15px; transition: color .2s; position: relative; padding-bottom: 4px; }
.nav-links a::after { content:''; position:absolute; bottom:0; left:0; width:0; height:2px; background:var(--teal); transition: width .2s; }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a:hover, .nav-links a.active { color: var(--teal); }
.nav-cta { background: var(--navy); color: #fff; border: none; padding: 10px 22px; border-radius: 6px; font-size: 14px; font-weight: 600; cursor: pointer; transition: background .2s; }
.nav-cta:hover { background: var(--teal); }
.hamburger { display: none; background: none; border: none; font-size: 24px; cursor: pointer; color: var(--navy); }
.mobile-menu { display: none; flex-direction: column; background: #fff; padding: 16px 24px; gap: 16px; border-top: 1px solid var(--border); }
.mobile-menu a { text-decoration: none; color: var(--text); font-weight: 600; font-size: 16px; }
@media(max-width:768px){ .nav-links,.nav-cta{display:none} .hamburger{display:block} }

/* ===== HERO ===== */
.hero { position: relative; height: 100vh; min-height: 600px; display: flex; align-items: center; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(15,76,117,0.85) 0%, rgba(15,76,117,0.5) 60%, rgba(27,154,170,0.3) 100%); }
.hero-content { position: relative; z-index: 2; max-width: 680px; padding: 0 48px; margin-top: 70px; }
.hero-tag { display: inline-block; background: var(--gold); color: #333; font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; padding: 6px 14px; border-radius: 4px; margin-bottom: 20px; }
.hero-content h1 { font-family: 'Playfair Display', serif; font-size: clamp(48px,7vw,84px); font-weight: 900; color: #fff; line-height: 1.05; margin-bottom: 20px; }
.hero-content p { font-size: 18px; color: rgba(255,255,255,0.88); line-height: 1.7; margin-bottom: 36px; max-width: 520px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.btn-primary { background: var(--gold); color: #1a1a2e; padding: 14px 32px; border-radius: 6px; font-weight: 700; font-size: 15px; text-decoration: none; transition: transform .2s, box-shadow .2s; }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(240,192,64,.4); }
.btn-outline { border: 2px solid rgba(255,255,255,.7); color: #fff; padding: 14px 32px; border-radius: 6px; font-weight: 600; font-size: 15px; text-decoration: none; transition: all .2s; }
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: #fff; }

/* ===== STATS STRIP ===== */
.stats-strip { background: var(--navy); display: flex; justify-content: center; align-items: center; gap: 0; padding: 28px 48px; flex-wrap: wrap; }
.stat { display: flex; flex-direction: column; align-items: center; padding: 8px 40px; }
.stat-num { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 700; color: var(--gold); }
.stat-label { font-size: 13px; color: rgba(255,255,255,.7); letter-spacing: 1px; margin-top: 2px; }
.stat-divider { width: 1px; height: 50px; background: rgba(255,255,255,.2); }
@media(max-width:600px){ .stat-divider{display:none} .stat{padding:12px 20px} }

/* ===== SECTIONS ===== */
.section { padding: 90px 0; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-header { text-align: center; margin-bottom: 56px; }
.section-tag { display: inline-block; color: var(--teal); font-size: 12px; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; margin-bottom: 12px; }
.section-header h2 { font-family: 'Playfair Display', serif; font-size: clamp(28px,4vw,44px); font-weight: 700; color: var(--navy); }

/* ===== TOPICS GRID ===== */
.topics-section { background: var(--light-bg); }
.topics-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 28px; }
.topic-card { background: #fff; border-radius: 16px; overflow: hidden; text-decoration: none; color: inherit; box-shadow: 0 2px 12px rgba(0,0,0,.06); transition: transform .25s, box-shadow .25s; display: flex; flex-direction: column; }
.topic-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(0,0,0,.12); }
.topic-img { height: 200px; overflow: hidden; }
.topic-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.topic-card:hover .topic-img img { transform: scale(1.06); }
.topic-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.topic-icon { font-size: 28px; margin-bottom: 12px; }
.topic-body h3 { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.topic-body p { font-size: 15px; color: var(--muted); line-height: 1.6; flex: 1; }
.topic-link { display: inline-block; margin-top: 16px; color: var(--teal); font-weight: 700; font-size: 14px; }

/* ===== FEATURE SECTION ===== */
.feature-section { display: grid; grid-template-columns: 1fr 1fr; min-height: 540px; }
.feature-img { overflow: hidden; }
.feature-img img { width: 100%; height: 100%; object-fit: cover; }
.feature-content { background: var(--navy); padding: 72px 64px; display: flex; flex-direction: column; justify-content: center; }
.feature-content .section-tag { color: var(--gold); }
.feature-content h2 { font-family: 'Playfair Display', serif; font-size: clamp(28px,3.5vw,42px); font-weight: 700; color: #fff; margin: 12px 0 20px; }
.feature-content p { color: rgba(255,255,255,.8); font-size: 16px; line-height: 1.7; margin-bottom: 28px; }
.feature-list { list-style: none; margin-bottom: 36px; display: flex; flex-direction: column; gap: 12px; }
.feature-list li { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,.9); font-size: 15px; }
.check { color: var(--gold); font-size: 18px; font-weight: 700; }
@media(max-width:768px){ .feature-section{grid-template-columns:1fr} .feature-content{padding:48px 24px} }

/* ===== ARTICLES ===== */
.articles-section { background: #fff; }
.articles-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px,1fr)); gap: 28px; margin-bottom: 48px; }
.article-card { border-radius: 14px; overflow: hidden; border: 1px solid var(--border); transition: box-shadow .25s, transform .25s; }
.article-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,.1); }
.article-card img { width: 100%; height: 200px; object-fit: cover; }
.article-body { padding: 24px; }
.article-cat { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--teal); }
.article-body h4 { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 700; color: var(--navy); margin: 10px 0; line-height: 1.3; }
.article-body p { font-size: 14px; color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.article-link { color: var(--teal); font-weight: 700; font-size: 14px; text-decoration: none; }
.center-btn { text-align: center; }
.btn-outline-dark { border: 2px solid var(--navy); color: var(--navy); padding: 14px 36px; border-radius: 6px; font-weight: 700; font-size: 15px; text-decoration: none; transition: all .2s; display: inline-block; }
.btn-outline-dark:hover { background: var(--navy); color: #fff; }

/* ===== NEWSLETTER ===== */
.newsletter-section { position: relative; overflow: hidden; min-height: 380px; display: flex; align-items: center; justify-content: center; }
.newsletter-img { position: absolute; inset: 0; }
.newsletter-img img { width: 100%; height: 100%; object-fit: cover; }
.newsletter-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(15,76,117,0.92), rgba(27,154,170,0.88)); }
.newsletter-content { position: relative; z-index: 2; text-align: center; padding: 60px 24px; max-width: 600px; }
.newsletter-content h2 { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 700; color: #fff; margin-bottom: 14px; }
.newsletter-content p { color: rgba(255,255,255,.85); font-size: 17px; margin-bottom: 32px; }
.newsletter-form { display: flex; gap: 0; max-width: 480px; margin: 0 auto 16px; border-radius: 8px; overflow: hidden; box-shadow: 0 4px 20px rgba(0,0,0,.2); }
.newsletter-form input { flex: 1; padding: 16px 20px; font-size: 15px; border: none; outline: none; }
.newsletter-form button { background: var(--gold); color: #1a1a2e; border: none; padding: 0 28px; font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s; }
.newsletter-form button:hover { background: #e8b800; }
.nl-note { color: rgba(255,255,255,.6); font-size: 13px; }

/* ===== FOOTER ===== */
.footer { background: #0a1628; padding: 64px 24px 0; }
.footer-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1.5fr 1fr; gap: 60px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand .logo-link { margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.footer-desc { color: rgba(255,255,255,.6); font-size: 15px; line-height: 1.7; margin-bottom: 24px; }
.footer-contact p { color: rgba(255,255,255,.55); font-size: 14px; margin-bottom: 6px; }
.footer-links { display: flex; gap: 48px; }
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-col h5 { color: #fff; font-size: 14px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 4px; }
.footer-col a { color: rgba(255,255,255,.55); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { text-align: center; padding: 20px 0; }
.footer-bottom p { color: rgba(255,255,255,.35); font-size: 13px; }
@media(max-width:768px){ .footer-inner{grid-template-columns:1fr; gap:36px} .footer-links{flex-wrap:wrap} }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero { padding: 130px 24px 60px; background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%); text-align: center; }
.page-hero .hero-tag { background: rgba(255,255,255,.2); color: #fff; }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(32px,5vw,56px); font-weight: 900; color: #fff; margin: 16px 0 14px; }
.page-hero p { font-size: 18px; color: rgba(255,255,255,.85); max-width: 600px; margin: 0 auto; }

/* ===== BUDGETING PAGE ===== */
.budget-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding: 80px 0; }
.budget-intro img { width: 100%; border-radius: 16px; height: 420px; object-fit: cover; box-shadow: 0 20px 60px rgba(0,0,0,.15); }
.budget-intro-text h2 { font-family: 'Playfair Display', serif; font-size: 38px; color: var(--navy); margin-bottom: 16px; }
.budget-intro-text p { font-size: 16px; color: var(--muted); line-height: 1.75; margin-bottom: 16px; }
@media(max-width:768px){ .budget-intro{grid-template-columns:1fr} }

.steps-section { background: var(--light-bg); padding: 80px 0; }
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px,1fr)); gap: 24px; }
.step-card { background: #fff; padding: 32px 28px; border-radius: 14px; border-top: 4px solid var(--teal); box-shadow: 0 2px 12px rgba(0,0,0,.06); }
.step-num { font-family: 'Playfair Display', serif; font-size: 48px; font-weight: 900; color: var(--gold); opacity: .6; line-height: 1; margin-bottom: 12px; }
.step-card h4 { font-family: 'Playfair Display', serif; font-size: 20px; color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--muted); line-height: 1.65; }

.tips-section { padding: 80px 0; }
.tips-img-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-bottom: 48px; }
.tips-img-row img { width: 100%; height: 220px; object-fit: cover; border-radius: 12px; }
.tips-list { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px,1fr)); gap: 20px; }
.tip-item { display: flex; gap: 16px; padding: 24px; border: 1px solid var(--border); border-radius: 12px; }
.tip-emoji { font-size: 28px; }
.tip-item h5 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.tip-item p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ===== INVESTING PAGE ===== */
.invest-hero-img { width: 100%; height: 440px; object-fit: cover; }
.invest-types { padding: 80px 0; }
.invest-types-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px,1fr)); gap: 28px; }
.invest-card { border-radius: 16px; overflow: hidden; box-shadow: 0 4px 20px rgba(0,0,0,.08); }
.invest-card-img { height: 200px; overflow: hidden; }
.invest-card-img img { width: 100%; height: 100%; object-fit: cover; }
.invest-card-body { padding: 28px; background: #fff; }
.invest-card-body h4 { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--navy); margin-bottom: 10px; }
.invest-card-body p { font-size: 14px; color: var(--muted); line-height: 1.65; }
.risk-badge { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 1px; padding: 4px 10px; border-radius: 20px; margin-top: 14px; }
.risk-low { background: #d1fae5; color: #065f46; }
.risk-med { background: #fef3c7; color: #92400e; }
.risk-high { background: #fee2e2; color: #991b1b; }

/* ===== BLOG PAGE ===== */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px,1fr)); gap: 32px; padding: 80px 0; }
.blog-card { border-radius: 16px; overflow: hidden; border: 1px solid var(--border); background: #fff; transition: box-shadow .25s, transform .25s; }
.blog-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,.1); }
.blog-card-img { height: 220px; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
.blog-card:hover .blog-card-img img { transform: scale(1.05); }
.blog-card-body { padding: 28px; }
.blog-meta { display: flex; gap: 12px; align-items: center; margin-bottom: 12px; }
.blog-cat { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--teal); }
.blog-date { font-size: 12px; color: var(--muted); }
.blog-card-body h3 { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--navy); margin-bottom: 10px; line-height: 1.3; }
.blog-card-body p { font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 18px; }
.blog-read { color: var(--teal); font-weight: 700; font-size: 14px; text-decoration: none; }

/* ===== CONTACT PAGE ===== */
.contact-section { padding: 80px 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; align-items: start; }
.contact-info h3 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); margin-bottom: 16px; }
.contact-info p { font-size: 16px; color: var(--muted); line-height: 1.7; margin-bottom: 32px; }
.contact-details { display: flex; flex-direction: column; gap: 20px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-item-icon { width: 44px; height: 44px; background: var(--light-bg); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.contact-item-text strong { display: block; font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 2px; }
.contact-item-text span { font-size: 14px; color: var(--muted); }
.contact-map { margin-top: 32px; border-radius: 14px; overflow: hidden; border: 1px solid var(--border); }
.contact-map iframe { width: 100%; height: 260px; border: 0; display: block; }
.contact-form-box { background: var(--light-bg); border-radius: 20px; padding: 44px 40px; }
.contact-form-box h3 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin-bottom: 28px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 6px; letter-spacing: .5px; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 12px 16px; font-size: 15px; font-family: inherit; border: 1px solid var(--border); border-radius: 8px; outline: none; background: #fff; transition: border .2s; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--teal); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { width: 100%; padding: 16px; background: var(--navy); color: #fff; border: none; border-radius: 8px; font-size: 16px; font-weight: 700; cursor: pointer; transition: background .2s; }
.form-submit:hover { background: var(--teal); }
@media(max-width:768px){ .contact-grid{grid-template-columns:1fr} .form-row{grid-template-columns:1fr} .contact-form-box{padding:28px 20px} }