@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Outfit:wght@300;400;500;600;700&display=swap');

:root {
  --black:   #0b0f1a;
  --ink:     #111827;
  --charcoal:#1e2535;
  --navy:    #1a3a6b;
  --teal:    #0d7a8a;
  --teal2:   #13a3b8;
  --sky:     #e8f4f8;
  --white:   #ffffff;
  --off:     #f5f8fa;
  --soft:    #edf2f7;
  --line:    #dde4ed;
  --muted:   #5a6475;
  --light:   #94a3b8;
  --r:       14px;
  --r-lg:    22px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Outfit', system-ui, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.wrap { width: min(1240px, 92vw); margin: 0 auto; }

/* ── HEADER ── */
.site-header {
  background: var(--black);
  position: sticky;
  top: 0;
  z-index: 200;
  border-bottom: 2px solid var(--teal);
}

.header-inner {
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.brand-badge {
  background: var(--teal);
  color: #fff;
  font-family: 'Bebas Neue', Impact, sans-serif;
  font-size: 20px;
  letter-spacing: 1px;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
}

.brand-name {
  font-family: 'Bebas Neue', Impact, sans-serif;
  font-size: 22px;
  letter-spacing: 1.5px;
  color: #fff;
  line-height: 1.1;
}

.brand-name small {
  display: block;
  font-family: 'Outfit', sans-serif;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--teal2);
  margin-top: 1px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 2px;
}

.main-nav a {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  padding: 8px 13px;
  border-radius: 7px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
}

.main-nav a:hover, .main-nav a.active {
  color: #fff;
  background: rgba(255,255,255,0.08);
}

.header-cta {
  background: var(--teal);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  padding: 10px 20px;
  border-radius: 50px;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
  flex-shrink: 0;
}

.header-cta:hover {
  background: var(--teal2);
  transform: translateY(-1px);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  color: #fff;
  font-size: 24px;
  cursor: pointer;
}

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--black);
  padding: 12px 20px 20px;
  gap: 4px;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.mobile-menu.open { display: flex; }

.mobile-menu a {
  padding: 11px 14px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
}

.mobile-menu a.header-cta {
  background: var(--teal);
  color: #fff;
  text-align: center;
  margin-top: 6px;
  border-radius: 50px;
}

/* ── HERO ── */
.hero {
  background: var(--black);
  position: relative;
  overflow: hidden;
  min-height: 600px;
  display: flex;
  align-items: center;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1576091160399-112ba8d25d1d?auto=format&fit=crop&w=1800&q=80');
  background-size: cover;
  background-position: center 30%;
  opacity: 0.22;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, var(--black) 0%, var(--black) 45%, rgba(11,15,26,0.6) 70%, rgba(11,15,26,0.1) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 90px 0;
  max-width: 620px;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(13,122,138,0.2);
  border: 1px solid rgba(13,122,138,0.4);
  color: var(--teal2);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  padding: 7px 14px;
  border-radius: 50px;
  margin-bottom: 22px;
}

.hero-tag::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--teal);
}

.hero h1 {
  font-family: 'Bebas Neue', Impact, sans-serif;
  font-size: clamp(58px, 7vw, 96px);
  line-height: 0.95;
  letter-spacing: 1px;
  color: #fff;
  margin-bottom: 24px;
}

.hero h1 span { color: var(--teal2); }

.hero-desc {
  font-size: 18px;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
  max-width: 480px;
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ── TICKER STRIP ── */
.ticker-strip {
  background: var(--navy);
  padding: 13px 0;
  overflow: hidden;
}

.ticker-inner {
  display: flex;
  gap: 48px;
  align-items: center;
  white-space: nowrap;
}

.ticker-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0.5px;
  flex-shrink: 0;
}

.ticker-item::before {
  content: '▸';
  font-size: 10px;
  opacity: 0.6;
  color: var(--teal2);
}

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Outfit', sans-serif;
  font-size: 14px;
  font-weight: 600;
  padding: 13px 24px;
  border-radius: 50px;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
  white-space: nowrap;
}

.btn-orange {
  background: var(--teal);
  color: #fff;
  box-shadow: 0 8px 24px rgba(13,122,138,0.3);
}

.btn-orange:hover {
  background: var(--teal2);
  transform: translateY(-1px);
  box-shadow: 0 12px 32px rgba(13,122,138,0.4);
}

.btn-white {
  background: #fff;
  color: var(--ink);
}

.btn-white:hover {
  background: var(--off);
  transform: translateY(-1px);
}

.btn-outline-white {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.3);
}

.btn-outline-white:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.08);
}

.btn-outline-dark {
  background: transparent;
  color: var(--ink);
  border: 1.5px solid var(--line);
}

.btn-outline-dark:hover {
  border-color: var(--ink);
  background: var(--ink);
  color: #fff;
}

.btn-dark {
  background: var(--ink);
  color: #fff;
}

.btn-dark:hover {
  background: var(--charcoal);
  transform: translateY(-1px);
}

/* ── SECTIONS ── */
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-off { background: var(--off); }
.section-soft { background: var(--soft); }
.section-dark { background: var(--black); color: #fff; }
.section-charcoal { background: var(--charcoal); color: #fff; }

.eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.eyebrow::before {
  content: '';
  width: 24px; height: 2px;
  background: var(--teal);
  border-radius: 2px;
  flex-shrink: 0;
}

.eyebrow.light { color: var(--teal2); }
.eyebrow.light::before { background: var(--teal2); }

h2.section-title {
  font-family: 'Bebas Neue', Impact, sans-serif;
  font-size: clamp(36px, 5vw, 58px);
  line-height: 1.0;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin-bottom: 16px;
}

h2.section-title.light { color: #fff; }

.section-lead {
  font-size: 17px;
  color: var(--muted);
  max-width: 560px;
  line-height: 1.75;
}

.section-lead.light { color: rgba(255,255,255,0.6); }

/* ── TOPIC CARDS (homepage 3-col) ── */
.topic-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  margin-top: 48px;
}

.topic-card {
  background: #fff;
  padding: 36px 32px;
  transition: background 0.2s;
  position: relative;
}

.topic-card:hover { background: var(--off); }

.topic-num {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 52px;
  color: var(--line);
  line-height: 1;
  margin-bottom: 14px;
  transition: color 0.2s;
}

.topic-card:hover .topic-num { color: var(--teal); }

.topic-card h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 26px;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin-bottom: 10px;
  line-height: 1.1;
}

.topic-card p {
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.7;
}

.topic-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 18px;
  font-size: 13px;
  font-weight: 700;
  color: var(--teal);
  letter-spacing: 0.5px;
}

/* ── MAGAZINE SPLIT ── */
.mag-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  min-height: 520px;
}

.mag-split-img {
  position: relative;
  overflow: hidden;
}

.mag-split-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.mag-split-content {
  padding: 64px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* ── INFO CARDS ── */
.info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 44px;
}

.info-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 44px;
}

.info-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 30px;
  transition: box-shadow 0.2s, transform 0.2s;
  position: relative;
  overflow: hidden;
}

.info-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--teal);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

.info-card:hover::before { transform: scaleX(1); }

.info-card:hover {
  box-shadow: 0 16px 40px rgba(11,15,26,0.1);
  transform: translateY(-2px);
}

.info-card-letter {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 48px;
  color: var(--line);
  line-height: 1;
  margin-bottom: 10px;
}

.info-card h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 24px;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin-bottom: 10px;
  line-height: 1.1;
}

.info-card p {
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.7;
}

/* ── PAGE HERO ── */
.page-hero {
  background: var(--black);
  padding: 72px 0 60px;
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--teal2), transparent);
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  opacity: 0.05;
  background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='1'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.page-hero-inner {
  position: relative;
  z-index: 1;
}

.page-hero h1 {
  font-family: 'Bebas Neue', Impact, sans-serif;
  font-size: clamp(44px, 6vw, 72px);
  line-height: 1.0;
  letter-spacing: 0.5px;
  color: #fff;
  margin-bottom: 14px;
}

.page-hero p {
  font-size: 17px;
  color: rgba(255,255,255,0.55);
  max-width: 640px;
  line-height: 1.7;
}

/* ── TERMS / KEY TERMS ── */
.term-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 32px;
}

.term-item {
  background: var(--off);
  border-radius: var(--r);
  padding: 22px 24px;
  border-left: 3px solid var(--teal);
}

.term-item strong {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 5px;
}

.term-item p {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.65;
}

/* ── FAQ ── */
.faq-stack { margin-top: 40px; }

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 22px 0;
  font-size: 17px;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  user-select: none;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  font-size: 24px;
  color: var(--teal);
  flex-shrink: 0;
  font-weight: 300;
  line-height: 1;
}

details[open] .faq-item summary::after { content: '−'; }

.faq-body {
  font-size: 15.5px;
  color: var(--muted);
  line-height: 1.78;
  padding-bottom: 22px;
  max-width: 720px;
}

/* ── SAVE TIPS ── */
.save-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 44px;
}

.save-card {
  background: var(--black);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  position: relative;
  overflow: hidden;
}

.save-card::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(13,122,138,0.18), transparent 70%);
}

.save-num {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 56px;
  color: rgba(255,255,255,0.06);
  line-height: 1;
  position: absolute;
  top: 16px; right: 20px;
}

.save-card h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 24px;
  letter-spacing: 0.5px;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.1;
}

.save-card p {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}

.save-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--teal2);
  margin-bottom: 14px;
}

/* ── CTA BAND ── */
.cta-band {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 52px 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  top: -80px; right: 120px;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
}

.cta-band::after {
  content: '';
  position: absolute;
  bottom: -60px; right: -60px;
  width: 240px; height: 240px;
  border-radius: 50%;
  background: rgba(0,0,0,0.1);
}

.cta-band h2 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 38px;
  letter-spacing: 0.5px;
  color: #fff;
  margin-bottom: 8px;
  line-height: 1.05;
  position: relative;
  z-index: 1;
}

.cta-band p {
  font-size: 15px;
  color: rgba(255,255,255,0.7);
  position: relative;
  z-index: 1;
}

.cta-band-btns {
  display: flex;
  gap: 12px;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

/* ── CONTACT ── */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 40px;
  align-items: start;
}

.contact-info-card {
  background: var(--black);
  border-radius: var(--r-lg);
  padding: 36px;
  color: #fff;
  position: sticky;
  top: 88px;
}

.contact-info-card h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 28px;
  letter-spacing: 0.5px;
  color: #fff;
  margin-bottom: 24px;
}

.contact-detail {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 18px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.contact-detail:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.contact-icon {
  width: 38px; height: 38px;
  background: rgba(13,122,138,0.2);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  width: 18px; height: 18px;
  stroke: var(--teal2);
  fill: none;
  stroke-width: 2;
}

.contact-detail strong {
  display: block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--teal2);
  margin-bottom: 4px;
}

.contact-detail p {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  line-height: 1.55;
}

.contact-detail a {
  color: rgba(255,255,255,0.8);
  transition: color 0.2s;
}

.contact-detail a:hover { color: var(--teal2); }

.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 40px;
  box-shadow: 0 16px 50px rgba(11,15,26,0.07);
}

.form-card h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 28px;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin-bottom: 6px;
}

.form-card .form-sub {
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}

label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin: 18px 0 7px;
}

.field {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--r);
  font: 500 15px/1.5 'Outfit', sans-serif;
  color: var(--ink);
  background: #fff;
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
}

.field:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 4px rgba(13,122,138,0.1);
}

textarea.field { min-height: 110px; resize: vertical; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.consent-block {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

.consent-block h4 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 14px;
}

.consent-row {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--r);
  margin-bottom: 10px;
  background: var(--off);
  transition: border-color 0.2s, background 0.2s;
}

.consent-row:has(input:checked) {
  border-color: var(--teal);
  background: #f0f9fb;
}

.consent-row input[type="checkbox"] {
  width: 17px; height: 17px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--teal);
}

.consent-text {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
}

.consent-text strong {
  display: block;
  color: var(--ink);
  font-size: 13.5px;
  margin-bottom: 3px;
}

.consent-text a {
  color: var(--teal);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.submit-btn {
  width: 100%;
  margin-top: 20px;
  padding: 15px;
  background: var(--teal);
  color: #fff;
  border: none;
  border-radius: 50px;
  font: 700 15px/1 'Outfit', sans-serif;
  cursor: pointer;
  transition: all 0.2s;
  box-shadow: 0 8px 24px rgba(13,122,138,0.25);
}

.submit-btn:hover {
  background: var(--teal2);
  transform: translateY(-1px);
  box-shadow: 0 12px 32px rgba(13,122,138,0.35);
}

.form-success {
  display: none;
  margin-top: 14px;
  background: #f0f9fb;
  border: 1px solid rgba(13,122,138,0.3);
  color: var(--teal);
  padding: 14px 18px;
  border-radius: var(--r);
  font-weight: 600;
  font-size: 14px;
  text-align: center;
}

/* ── LEGAL ── */
.legal-wrap {
  max-width: 820px;
}

.legal-wrap h3 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 22px;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin: 32px 0 10px;
}

.legal-wrap p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 12px;
}

/* ── FOOTER ── */
.site-footer {
  background: var(--black);
  padding: 60px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1.2fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer-brand p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.38);
  line-height: 1.7;
  max-width: 260px;
  margin-top: 14px;
}

.footer-col h4 {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal2);
  margin-bottom: 16px;
}

.footer-col a {
  display: block;
  font-size: 13.5px;
  color: rgba(255,255,255,0.48);
  margin-bottom: 9px;
  transition: color 0.2s;
}

.footer-col a:hover { color: #fff; }

.footer-col p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.48);
  line-height: 1.7;
  margin-bottom: 6px;
}

.footer-bottom {
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-size: 12px;
  color: rgba(255,255,255,0.22);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .info-grid-3 { grid-template-columns: 1fr 1fr; }
  .save-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 900px) {
  .main-nav { display: none; }
  .header-cta.desktop { display: none; }
  .mobile-toggle { display: block; }

  .hero { min-height: auto; }
  .hero-content { padding: 60px 0; max-width: 100%; }
  .hero h1 { font-size: 56px; }

  .topic-grid { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
  .info-grid-3 { grid-template-columns: 1fr; }
  .save-grid { grid-template-columns: 1fr; }
  .term-list { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .contact-info-card { position: static; }
  .form-row { grid-template-columns: 1fr; }

  .mag-split { grid-template-columns: 1fr; }
  .mag-split-img { min-height: 320px; }
  .mag-split-content { padding: 44px 32px; }

  .cta-band { flex-direction: column; padding: 36px 28px; }
  .cta-band-btns { flex-wrap: wrap; }

  .section { padding: 60px 0; }
  .page-hero { padding: 52px 0 44px; }
}

@media (max-width: 600px) {
  .hero h1 { font-size: 44px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-card { padding: 24px; }
  .contact-info-card { padding: 24px; }
}