/* ===========================
   PENSIONER PORTAL — STYLE
   oakstudiofit.com
   =========================== */

:root {
  --navy: #1B3A6B;
  --navy-dark: #122850;
  --navy-light: #2B5090;
  --teal: #1A6B5A;
  --teal-light: #2A8A74;
  --amber: #D97706;
  --amber-light: #F59E0B;
  --warm-white: #F9F7F4;
  --warm-gray: #F0EDE8;
  --border: #E2DDD8;
  --text: #1C1C1E;
  --text-muted: #6B6B6B;
  --success: #2E7D32;
  --white: #FFFFFF;
  --shadow: 0 2px 12px rgba(27,58,107,0.10);
  --shadow-hover: 0 6px 24px rgba(27,58,107,0.18);
  --radius: 10px;
  --radius-lg: 16px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--warm-white);
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--amber); }

img { max-width: 100%; }

/* ── TOP BAR ── */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.8);
  font-size: 13px;
  padding: 6px 0;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.topbar a { color: rgba(255,255,255,0.8); }
.topbar a:hover { color: var(--amber-light); }
.topbar-hotline { font-weight: 600; color: var(--amber-light) !important; }

/* ── HEADER ── */
.site-header {
  background: var(--navy);
  box-shadow: 0 2px 8px rgba(0,0,0,0.2);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: white;
}
.logo-icon {
  width: 44px;
  height: 44px;
  background: var(--amber);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
}
.logo-text { line-height: 1.2; }
.logo-title { font-size: 20px; font-weight: 700; color: white; }
.logo-sub { font-size: 12px; color: rgba(255,255,255,0.65); }

/* NAV */
.main-nav ul {
  list-style: none;
  display: flex;
  gap: 4px;
}
.main-nav a {
  color: rgba(255,255,255,0.88);
  font-size: 15px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 7px;
  transition: all 0.2s;
}
.main-nav a:hover,
.main-nav a.active {
  background: rgba(255,255,255,0.12);
  color: var(--amber-light);
}
.nav-cta a {
  background: var(--amber) !important;
  color: var(--navy-dark) !important;
  font-weight: 700 !important;
}
.nav-cta a:hover { background: var(--amber-light) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
}
.hamburger span {
  width: 26px; height: 2px;
  background: white;
  border-radius: 2px;
  transition: all 0.3s;
}

/* ── CONTAINER ── */
.container {
  max-width: 1220px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--teal) 100%);
  color: white;
  padding: 60px 0 50px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50px; right: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(217,119,6,0.12);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(217,119,6,0.2);
  border: 1px solid rgba(217,119,6,0.4);
  color: var(--amber-light);
  font-size: 13px;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: 40px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 16px;
}
.hero h1 span { color: var(--amber-light); }
.hero-desc {
  font-size: 18px;
  color: rgba(255,255,255,0.82);
  margin-bottom: 30px;
  max-width: 520px;
}
.hero-btns {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 24px;
  border-radius: 9px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  text-decoration: none;
}
.btn-primary {
  background: var(--amber);
  color: var(--navy-dark);
}
.btn-primary:hover { background: var(--amber-light); transform: translateY(-1px); color: var(--navy-dark); }
.btn-outline {
  background: transparent;
  color: white;
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover { border-color: white; background: rgba(255,255,255,0.08); color: white; }

/* HERO CARD — mini calculator */
.hero-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 28px;
  color: var(--text);
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.hero-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.hero-card h3 i { color: var(--amber); }
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.form-group input, .form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 15px;
  color: var(--text);
  background: var(--warm-white);
  outline: none;
  transition: border-color 0.2s;
}
.form-group input:focus, .form-group select:focus {
  border-color: var(--navy);
}
.calc-result {
  background: var(--warm-gray);
  border-radius: 8px;
  padding: 14px;
  margin-top: 16px;
  text-align: center;
}
.calc-result .result-label {
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.calc-result .result-value {
  font-size: 28px;
  font-weight: 800;
  color: var(--teal);
  margin: 4px 0;
}
.calc-result .result-sub {
  font-size: 12px;
  color: var(--text-muted);
}

/* ── STATS BAR ── */
.stats-bar {
  background: white;
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 10px 20px;
  border-right: 1px solid var(--border);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-size: 26px;
  font-weight: 800;
  color: var(--navy);
}
.stat-num span { color: var(--amber); }
.stat-label {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ── SECTION ── */
section { padding: 56px 0; }
.section-header {
  margin-bottom: 36px;
}
.section-header.center { text-align: center; }
.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--amber);
  margin-bottom: 10px;
}
.section-header h2 {
  font-size: 30px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 12px;
}
.section-header p {
  font-size: 16px;
  color: var(--text-muted);
  max-width: 560px;
}
.section-header.center p { margin: 0 auto; }

/* ── QUICK TOOLS ── */
.quick-tools {
  background: var(--warm-gray);
  padding: 40px 0;
  border-bottom: 1px solid var(--border);
}
.tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.tool-card {
  background: white;
  border-radius: var(--radius);
  padding: 22px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: var(--shadow);
  transition: all 0.25s;
  text-decoration: none;
  color: var(--text);
  border: 1.5px solid transparent;
}
.tool-card:hover {
  box-shadow: var(--shadow-hover);
  border-color: var(--navy);
  transform: translateY(-2px);
  color: var(--text);
}
.tool-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}
.tool-icon.blue { background: rgba(27,58,107,0.1); color: var(--navy); }
.tool-icon.teal { background: rgba(26,107,90,0.1); color: var(--teal); }
.tool-icon.amber { background: rgba(217,119,6,0.12); color: var(--amber); }
.tool-icon.green { background: rgba(46,125,50,0.1); color: var(--success); }
.tool-label { font-size: 13px; color: var(--text-muted); }
.tool-name { font-size: 15px; font-weight: 700; color: var(--navy); line-height: 1.2; }
.tool-arrow { margin-left: auto; color: var(--text-muted); font-size: 14px; }

/* ── MAIN LAYOUT ── */
.main-layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 32px;
  align-items: start;
}

/* ── CARDS ── */
.card {
  background: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.card-header {
  padding: 18px 24px;
  border-bottom: 1px solid var(--warm-gray);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.card-header h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
}
.card-header h3 i { color: var(--amber); }
.card-link {
  font-size: 13px;
  color: var(--amber);
  font-weight: 600;
}
.card-body { padding: 20px 24px; }

/* NEWS ARTICLES */
.news-grid {
  display: grid;
  gap: 16px;
}
.news-item {
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: 16px;
  padding: 16px;
  border-radius: 8px;
  background: var(--warm-white);
  transition: background 0.2s;
  text-decoration: none;
  color: var(--text);
  border: 1px solid var(--border);
}
.news-item:hover { background: var(--warm-gray); border-color: var(--navy-light); color: var(--text); }
.news-img {
  width: 100px; height: 72px;
  object-fit: cover;
  border-radius: 6px;
  background: var(--warm-gray);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
}
.news-meta {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 5px;
}
.news-cat {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 2px 8px;
  border-radius: 20px;
  background: rgba(27,58,107,0.08);
  color: var(--navy);
}
.news-cat.teal { background: rgba(26,107,90,0.1); color: var(--teal); }
.news-cat.amber { background: rgba(217,119,6,0.12); color: var(--amber); }
.news-date { font-size: 12px; color: var(--text-muted); }
.news-title { font-size: 15px; font-weight: 600; line-height: 1.35; color: var(--navy); }
.news-desc { font-size: 13px; color: var(--text-muted); margin-top: 4px; }

/* SIDEBAR CARDS */
.sidebar { display: flex; flex-direction: column; gap: 20px; }

.link-list { list-style: none; }
.link-list li {
  padding: 10px 0;
  border-bottom: 1px solid var(--warm-gray);
}
.link-list li:last-child { border-bottom: none; }
.link-list a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  transition: color 0.2s;
}
.link-list a:hover { color: var(--amber); }
.link-list a i { color: var(--navy); width: 16px; font-size: 13px; }
.link-ext { margin-left: auto; color: var(--text-muted); font-size: 11px; }

.hotline-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.hotline-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px;
  background: var(--warm-gray);
  border-radius: 8px;
}
.hotline-icon {
  width: 36px; height: 36px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 14px;
  flex-shrink: 0;
}
.hotline-name { font-size: 12px; color: var(--text-muted); }
.hotline-num { font-size: 16px; font-weight: 700; color: var(--navy); }

/* PAYMENT CALENDAR */
.payment-months { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.payment-item {
  background: var(--warm-gray);
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 13px;
}
.payment-month { font-weight: 600; color: var(--navy); }
.payment-date { color: var(--text-muted); font-size: 12px; }

/* ── BENEFITS SECTION ── */
.benefits-bg { background: white; }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.benefit-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  transition: all 0.25s;
}
.benefit-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-hover);
  transform: translateY(-3px);
}
.benefit-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 16px;
}
.benefit-icon.blue { background: rgba(27,58,107,0.1); color: var(--navy); }
.benefit-icon.teal { background: rgba(26,107,90,0.1); color: var(--teal); }
.benefit-icon.amber { background: rgba(217,119,6,0.12); color: var(--amber); }
.benefit-icon.green { background: rgba(46,125,50,0.1); color: var(--success); }
.benefit-icon.red { background: rgba(200,75,17,0.1); color: #C84B11; }
.benefit-icon.purple { background: rgba(100,60,160,0.1); color: #6438A0; }
.benefit-card h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.benefit-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.55;
}
.benefit-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--amber);
}
.benefit-link:hover { color: var(--amber-light); }

/* ── CALCULATORS SECTION ── */
.calc-section { background: var(--warm-gray); }
.calc-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 28px;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}
.calc-tab {
  padding: 11px 20px;
  font-size: 15px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all 0.2s;
  background: none;
  border-top: none;
  border-left: none;
  border-right: none;
}
.calc-tab:hover { color: var(--navy); }
.calc-tab.active { color: var(--navy); border-bottom-color: var(--amber); }

.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }

.calc-form-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow);
}
.calc-form-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.calc-form-card h3 i { color: var(--amber); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-btn {
  width: 100%;
  margin-top: 20px;
  background: var(--navy);
  color: white;
  padding: 14px;
  border: none;
  border-radius: 9px;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.calc-btn:hover { background: var(--navy-light); transform: translateY(-1px); }

.calc-result-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow);
}
.calc-result-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 20px;
}
.result-big {
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%);
  border-radius: 12px;
  padding: 24px;
  text-align: center;
  color: white;
  margin-bottom: 20px;
}
.result-big .label { font-size: 13px; opacity: 0.75; text-transform: uppercase; letter-spacing: 0.05em; }
.result-big .amount { font-size: 42px; font-weight: 800; margin: 8px 0; }
.result-big .currency { font-size: 18px; opacity: 0.8; }
.result-big .note { font-size: 13px; opacity: 0.7; margin-top: 6px; }

.result-breakdown { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.result-breakdown li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: var(--warm-gray);
  border-radius: 7px;
  font-size: 14px;
}
.result-breakdown .r-label { color: var(--text-muted); }
.result-breakdown .r-val { font-weight: 700; color: var(--navy); }
.disclaimer-note {
  margin-top: 16px;
  font-size: 12px;
  color: var(--text-muted);
  padding: 10px 14px;
  background: rgba(217,119,6,0.07);
  border-left: 3px solid var(--amber);
  border-radius: 4px;
}

/* ── RESOURCES SECTION ── */
.resources-section { background: white; }
.resources-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.resource-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  transition: all 0.25s;
  text-decoration: none;
  color: var(--text);
  display: block;
}
.resource-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-hover);
  transform: translateY(-2px);
  color: var(--text);
}
.resource-logo {
  width: 60px; height: 60px;
  margin: 0 auto 12px;
  border-radius: 12px;
  background: var(--warm-gray);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
}
.resource-name { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.resource-desc { font-size: 12px; color: var(--text-muted); }
.resource-tag {
  display: inline-block;
  margin-top: 8px;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 2px 8px;
  border-radius: 20px;
  background: rgba(27,58,107,0.08);
  color: var(--navy);
}

/* ── HEALTH SECTION ── */
.health-section { background: var(--warm-gray); }
.health-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.health-card {
  background: white;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: all 0.25s;
  text-decoration: none;
  color: var(--text);
  display: block;
}
.health-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); color: var(--text); }
.health-card-top {
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
}
.hc-blue { background: linear-gradient(135deg, rgba(27,58,107,0.1), rgba(27,58,107,0.05)); }
.hc-teal { background: linear-gradient(135deg, rgba(26,107,90,0.1), rgba(26,107,90,0.05)); }
.hc-green { background: linear-gradient(135deg, rgba(46,125,50,0.1), rgba(46,125,50,0.05)); }
.health-card-body { padding: 18px; }
.health-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.health-card p { font-size: 13px; color: var(--text-muted); line-height: 1.5; }
.health-card-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 13px;
  font-weight: 600;
  color: var(--teal);
  margin-top: 10px;
}

/* ── FAQ ── */
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: white;
  border-radius: 9px;
  border: 1.5px solid var(--border);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 18px 22px;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.faq-icon { transition: transform 0.3s; flex-shrink: 0; color: var(--amber); }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.faq-answer-inner {
  padding: 0 22px 18px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}
.faq-item.open .faq-answer { max-height: 300px; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy) 100%);
  padding: 60px 0;
  text-align: center;
  color: white;
}
.cta-banner h2 { font-size: 32px; font-weight: 800; margin-bottom: 12px; }
.cta-banner p { font-size: 17px; opacity: 0.85; margin-bottom: 28px; }
.cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ── FOOTER ── */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 50px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand .logo-title { font-size: 18px; color: white; }
.footer-brand p {
  font-size: 14px;
  margin: 14px 0;
  line-height: 1.65;
  color: rgba(255,255,255,0.6);
}
.footer-col h4 {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--amber-light);
  margin-bottom: 16px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: var(--amber-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--amber-light); }

/* DISCLAIMER */
.site-disclaimer {
  background: rgba(217,119,6,0.07);
  border-left: 3px solid var(--amber);
  padding: 12px 16px;
  font-size: 12px;
  color: rgba(255,255,255,0.5);
  margin-top: 16px;
  border-radius: 4px;
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .tools-grid { grid-template-columns: repeat(2, 1fr); }
  .resources-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .hero h1 { font-size: 32px; }
}
@media (max-width: 768px) {
  .main-nav { display: none; }
  .main-nav.open {
    display: block;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--navy-dark);
    padding: 16px;
  }
  .main-nav.open ul { flex-direction: column; }
  .hamburger { display: flex; }
  .main-layout { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  .health-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-panel.active { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr; }
  .resources-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .hero h1 { font-size: 26px; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
}