*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --navy: #1a2d4f; --navy-dark: #111e35; --gold: #b8943f; --gold-lt: #f5efe0;
  --text: #2c2c2c; --muted: #5a5a5a; --border: #d8d8d8; --bg: #ffffff; --soft: #f7f9fc;
}
html { scroll-behavior: smooth; }
body { font-family: 'Open Sans', sans-serif; font-size: 17px; line-height: 1.8; color: var(--text); background: var(--bg); }
a { color: var(--navy); }
img { max-width: 100%; height: auto; display: block; }

/* Buttons */
.btn-primary { display: inline-block; background: var(--gold); color: #fff; font-size: 16px; font-weight: 700; padding: 14px 28px; border-radius: 4px; text-decoration: none; transition: background .2s; }
.btn-primary:hover { background: #a07c30; }
.btn-ghost { display: inline-block; color: var(--navy); font-weight: 700; font-size: 15px; padding: 14px 6px; text-decoration: none; }
.btn-ghost:hover { text-decoration: underline; }

/* Hero */
.post-hero { background: linear-gradient(135deg, var(--navy-dark) 0%, #1e3a6e 100%); color: #fff; padding: 56px 24px 48px; }
.post-hero-inner { max-width: 760px; margin: 0 auto; }
.post-hero h1 { font-family: 'Merriweather', serif; font-size: clamp(26px, 4vw, 40px); line-height: 1.3; font-weight: 700; margin: 10px 0 16px; }
.blog-hero .post-hero-inner { max-width: 1080px; }
.hero-badge { display: inline-block; background: rgba(184,148,63,.25); border: 1px solid var(--gold); color: #f0d899; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; padding: 5px 14px; border-radius: 20px; }
.hero-sub { font-size: clamp(16px, 2vw, 19px); color: #ccd6e8; max-width: 640px; line-height: 1.7; }
.crumbs { font-size: 13px; color: #adc4e0; }
.crumbs a { color: #f0d899; text-decoration: none; font-weight: 600; }
.crumbs span { margin: 0 6px; opacity: .6; }
.post-meta { font-size: 14px; color: #adc4e0; }

/* Article */
.post-wrap { padding: 48px 24px 24px; }
.post-body { max-width: 760px; margin: 0 auto; }
.post-body p { margin-bottom: 18px; }
.post-body .lead { font-size: 19px; color: var(--navy); line-height: 1.7; }
.post-body h2 { font-family: 'Merriweather', serif; font-size: clamp(21px, 2.6vw, 26px); color: var(--navy); line-height: 1.35; margin: 40px 0 14px; padding-bottom: 8px; border-bottom: 2px solid var(--gold-lt); }
.post-body h3 { font-family: 'Merriweather', serif; font-size: 19px; color: var(--navy); margin: 28px 0 10px; }
.post-body h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin: 0 0 6px; }
.post-body ul, .post-body ol { margin: 0 0 20px 22px; }
.post-body li { margin-bottom: 8px; }
.post-body li::marker { color: var(--gold); }
.post-body strong { color: var(--navy); }
.post-body hr { border: none; border-top: 1px solid var(--border); margin: 32px 0; }
.post-body blockquote, .post-body .gcl-bq { font-family: 'Merriweather', serif; font-style: italic; font-size: 18px; line-height: 1.7; color: var(--navy); border-left: 4px solid var(--gold); background: var(--soft); padding: 16px 22px; margin: 24px 0; }
.post-body blockquote p:last-child { margin-bottom: 0; }
.post-body figure, .post-body .gcl-img-wrap { margin: 28px 0; }
.post-body figure img, .post-body .gcl-img-wrap img { border-radius: 6px; width: 100%; }
.post-body figcaption { font-size: 13px; color: var(--muted); margin-top: 8px; text-align: center; }
.note { font-size: 14px; color: var(--muted); font-style: italic; }

/* Tables */
.table-wrap { overflow-x: auto; margin: 20px 0 28px; border: 1px solid var(--border); border-radius: 6px; }
.post-body table { width: 100%; border-collapse: collapse; font-size: 15px; }
.post-body th { background: var(--navy); color: #fff; text-align: left; font-size: 13px; text-transform: uppercase; letter-spacing: .05em; padding: 10px 14px; }
.post-body td { padding: 10px 14px; border-top: 1px solid var(--border); vertical-align: top; line-height: 1.6; }
.post-body tr:nth-child(even) td { background: var(--soft); }

/* Callouts (new + migrated) */
.disclaimer-box { background: var(--soft); border: 1px solid var(--border); border-radius: 6px; padding: 12px 16px; font-size: 14px; color: var(--muted); margin-bottom: 28px; line-height: 1.6; }
.mid-cta { background: var(--gold-lt); border-left: 4px solid var(--gold); border-radius: 0 6px 6px 0; padding: 22px 24px; margin: 32px 0; }
.mid-cta p { margin-bottom: 14px; }
.gcl-urgent, .alert-box, .info-box, .gcl-callout, .conclusion-box { background: var(--gold-lt); border-left: 4px solid var(--gold); border-radius: 0 6px 6px 0; padding: 18px 22px; margin: 24px 0; font-size: 16px; }
.gcl-urgent strong:first-child, .box-title { display: block; font-size: 13px; text-transform: uppercase; letter-spacing: .06em; color: var(--navy); margin-bottom: 6px; }
.gcl-urgent p:last-child, .alert-box p:last-child, .info-box p:last-child, .gcl-callout p:last-child, .conclusion-box p:last-child { margin-bottom: 0; }
.gcl-warning, .red-flag-box { border: 2px solid var(--navy); border-radius: 6px; padding: 18px 22px; margin: 28px 0; }
.gcl-warning h4, .red-flag-box h4 { text-transform: uppercase; letter-spacing: .06em; font-size: 13px; margin-bottom: 8px; }
.gcl-warning ul, .red-flag-box ul { margin-bottom: 0; font-size: 15px; }
.gcl-steps, .gcl-deadlines, .steps { border-top: 2px solid var(--navy); margin: 16px 0 28px; }
.gcl-step-row, .gcl-deadline-row { display: flex; gap: 18px; padding: 16px 0; border-bottom: 1px solid var(--border); align-items: flex-start; }
.gcl-step-num, .gcl-deadline-num { font-family: 'Merriweather', serif; font-size: 28px; font-weight: 700; min-width: 48px; line-height: 1; color: var(--gold); }
.gcl-step-body p, .gcl-deadline-body p, .step-content p { font-size: 15px; margin: 0; color: var(--muted); line-height: 1.6; }
.gcl-grid, .two-col { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; margin: 20px 0 28px; }
.gcl-grid-item, .col-card { background: #fff; border: 1px solid var(--border); border-top: 4px solid var(--navy); border-radius: 6px; padding: 18px 20px; }
.gcl-grid-item p, .col-card p { font-size: 15px; color: var(--muted); margin: 0; line-height: 1.6; }

/* End-of-post CTA */
.end-cta { background: var(--navy); color: #fff; border-radius: 8px; padding: 30px 28px; margin: 44px 0 24px; }
.end-cta h3 { font-family: 'Merriweather', serif; font-size: 22px; margin: 0 0 10px; color: #fff; }
.end-cta p { color: #ccd6e8; margin-bottom: 18px; }
.end-cta .btn-ghost { color: #f0d899; }
.end-cta-btns { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; }
.post-disclaimer { font-size: 13px; color: var(--muted); font-style: italic; line-height: 1.6; margin-top: 18px; }

/* Related */
.related { background: var(--soft); padding: 48px 24px; }
.related-inner { max-width: 1080px; margin: 0 auto; }
.related h2 { font-family: 'Merriweather', serif; font-size: 24px; color: var(--navy); margin-bottom: 20px; }
.rel-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; }
.rel-card { background: #fff; border: 1px solid var(--border); border-top: 4px solid var(--gold); border-radius: 6px; padding: 18px 20px; text-decoration: none; transition: box-shadow .2s; }
.rel-card:hover { box-shadow: 0 6px 24px rgba(26,45,79,.1); }
.rel-cat, .card-cat { display: block; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--gold); margin-bottom: 6px; }
.rel-title { font-weight: 700; color: var(--navy); line-height: 1.45; }

/* Index */
.index-wrap { max-width: 1080px; margin: 0 auto; padding: 40px 24px 56px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.chip { font: 600 14px 'Open Sans', sans-serif; color: var(--navy); background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: 8px 16px; cursor: pointer; }
.chip.active, .chip:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; }
.card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-top: 4px solid var(--navy); border-radius: 6px; padding: 24px 22px; text-decoration: none; color: var(--text); transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: 0 8px 28px rgba(26,45,79,.12); transform: translateY(-2px); }
.card h2 { font-family: 'Merriweather', serif; font-size: 19px; line-height: 1.4; color: var(--navy); margin-bottom: 10px; }
.card p { font-size: 15px; color: var(--muted); line-height: 1.6; margin-bottom: 16px; flex: 1; }
.card-meta { font-size: 13px; color: var(--muted); }

/* CTA band + footer (matches main site) */
.cta-section { background: var(--gold); padding: 56px 24px; text-align: center; }
.cta-section h2 { font-family: 'Merriweather', serif; font-size: clamp(22px, 3vw, 30px); color: #fff; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,.9); font-size: 17px; margin-bottom: 26px; }
.cta-section .btn-white { display: inline-block; background: #fff; color: var(--navy); font-size: 18px; font-weight: 700; padding: 15px 34px; border-radius: 4px; text-decoration: none; margin: 0 8px 10px; }
.cta-section .btn-white-outline { display: inline-block; border: 2px solid #fff; color: #fff; font-size: 18px; font-weight: 700; padding: 13px 32px; border-radius: 4px; text-decoration: none; margin: 0 8px 10px; }
.cta-sub { display: block; font-size: 13px; color: rgba(255,255,255,.85); margin-top: 10px; }
footer { background: var(--navy-dark); color: #8aa3bf; padding: 40px 24px 24px; }
.footer-inner { max-width: 1080px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand .logo { font-family: 'Merriweather', serif; font-size: 17px; display: block; margin-bottom: 12px; color: #fff; text-decoration: none; }
.footer-brand .logo span { color: var(--gold); }
.footer-brand p { font-size: 14px; line-height: 1.7; }
.footer-col h5 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: #ccd6e8; margin-bottom: 14px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { font-size: 14px; color: #8aa3bf; text-decoration: none; }
.footer-col a:hover { color: #fff; }
.footer-bottom { max-width: 1080px; margin: 20px auto 0; font-size: 13px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.disclaimer-text { max-width: 1080px; margin: 16px auto 0; font-size: 12px; color: #5a7a9a; line-height: 1.6; font-style: italic; }

@media (max-width: 768px) { .footer-inner { grid-template-columns: 1fr; gap: 28px; } }
@media (max-width: 480px) {
  .post-hero { padding: 40px 16px 36px; }
  .post-wrap, .index-wrap, .related { padding-left: 16px; padding-right: 16px; }
  .end-cta { padding: 24px 20px; }
  .cta-section .btn-white, .cta-section .btn-white-outline { display: block; margin: 0 0 10px; }
  .gcl-step-row, .gcl-deadline-row { gap: 12px; }
}