/*
Theme Name: BeemaNepal
Theme URI: https://beemanepal.com
Author: Vivek Adhikari
Author URI: https://adhikarivivek.com.np
Description: Premium, high-converting life insurance portal and financial education theme for Nepal.
Version: 2.0.0
Requires at least: 6.0
Requires PHP: 7.4
License: GPL v2 or later
Text Domain: beema-nepal
*/

/* ==========================================================================
   1. DESIGN TOKENS & CSS VARIABLES
   ========================================================================== */
:root {
    /* Brand Palette */
    --primary-dark: #0f172a;       /* Deep Slate */
    --primary: #1a56db;            /* Royal Blue */
    --primary-hover: #1e40af;      /* Darker Blue */
    --primary-light: #eff6ff;      /* Blue Tint */
    
    --accent-gold: #f59e0b;        /* Warm Amber */
    --accent-gold-dark: #d97706;   /* Dark Amber */
    --accent-emerald: #10b981;     /* Trust Emerald */
    --accent-emerald-dark: #047857;
    
    /* Neutrals */
    --bg-page: #f8fafc;            /* Canvas background */
    --bg-card: #ffffff;            /* Pure white card */
    --border-color: #e2e8f0;       /* Crisp border */
    --border-hover: #cbd5e1;       /* Hover border */
    
    /* Typography Colors */
    --text-heading: #0f172a;       /* Slate 900 */
    --text-body: #334155;          /* Slate 700 */
    --text-muted: #64748b;         /* Slate 500 */
    --text-light: #94a3b8;         /* Slate 400 */
    --text-white: #ffffff;
    
    /* Fonts */
    --font-heading: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    
    /* Spacing & Layout */
    --container-width: 1200px;
    --card-radius: 16px;
    --pill-radius: 50px;
    --shadow-subtle: 0 4px 20px rgba(15, 23, 42, 0.04);
    --shadow-hover: 0 16px 32px rgba(15, 23, 42, 0.08);
    --shadow-hero: 0 20px 40px rgba(15, 23, 42, 0.2);
}

/* ==========================================================================
   2. RESET & BASE STYLES
   ========================================================================== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    color: var(--text-body);
    background-color: var(--bg-page);
    line-height: 1.65;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

/* ==========================================================================
   3. TYPOGRAPHY HIERARCHY
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--text-heading);
    font-weight: 800;
    line-height: 1.25;
    letter-spacing: -0.3px;
    margin-bottom: 0.75rem;
}

h1 { font-size: 2.5rem; }
h2 { font-size: 1.85rem; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.15rem; }

p {
    margin-bottom: 1.25rem;
    font-size: 1.02rem;
    color: var(--text-body);
}

a {
    color: var(--primary);
    text-decoration: none;
    transition: all 0.2s ease;
}

a:hover {
    color: var(--primary-hover);
}

/* ==========================================================================
   4. HEADER & NAVIGATION
   ========================================================================== */
.site-header {
    background: #ffffff;
    border-bottom: 1px solid var(--border-color);
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.03);
}

.site-header-inner {
    max-width: 1360px;
    margin: 0 auto;
    padding: 0.8rem 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.25rem;
}

.custom-brand-logo {
    font-family: var(--font-heading);
    font-size: 1.55rem;
    font-weight: 800;
    color: var(--primary);
    text-decoration: none;
    letter-spacing: -0.5px;
    display: inline-flex;
    align-items: center;
    white-space: nowrap;
}

.custom-brand-logo span {
    color: var(--accent-gold);
    margin-left: 2px;
}

.site-nav {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    flex-shrink: 0;
}

.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 0.65rem;
    margin: 0;
    padding: 0;
}

.nav-menu li {
    margin: 0;
    padding: 0;
}

.nav-menu li a {
    color: var(--text-heading);
    font-weight: 600;
    font-size: 0.91rem;
    padding: 0.45rem 0.65rem;
    border-radius: 6px;
    transition: all 0.2s ease;
    white-space: nowrap;
    display: inline-block;
    line-height: 1.25;
}

.nav-menu li a:hover,
.nav-menu li.current-menu-item a {
    color: var(--primary);
    background: var(--primary-light);
}

.nav-cta {
    background: linear-gradient(135deg, var(--accent-gold) 0%, var(--accent-gold-dark) 100%);
    color: #ffffff !important;
    font-weight: 700;
    font-size: 0.88rem;
    padding: 0.65rem 1.25rem;
    border-radius: 8px;
    text-decoration: none;
    box-shadow: 0 2px 8px rgba(245, 158, 11, 0.3);
    transition: all 0.2s ease;
    white-space: nowrap;
}

.nav-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 14px rgba(245, 158, 11, 0.45);
}

.header-actions {
    display: none;
}

.search-toggle, .menu-toggle {
    background: transparent;
    border: none;
    font-size: 1.2rem;
    color: var(--text-heading);
    cursor: pointer;
    padding: 0.5rem;
}

.site-search-overlay {
    display: none;
}

/* ==========================================================================
   5. UNIVERSAL LAYOUT CONTAINERS
   ========================================================================== */
.site-main, .page-site-main {
    flex: 1;
    padding: 2rem 0 4rem 0;
}

.site-container, .entry-content, .page-entry-content {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* ==========================================================================
   6. HERO BANNERS & BREADCRUMBS
   ========================================================================== */
.hub-hero-banner, .inner-page-hero-banner {
    background: linear-gradient(135deg, #0f172a 0%, #1e293b 65%, #0f172a 100%);
    color: #ffffff;
    padding: 3.5rem 2.5rem;
    border-radius: 20px;
    margin-bottom: 2.5rem;
    position: relative;
    overflow: hidden;
    box-shadow: 0 12px 35px rgba(15, 23, 42, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.hub-hero-banner::before, .inner-page-hero-banner::before {
    content: "";
    position: absolute;
    top: -50%;
    right: -20%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(26, 86, 219, 0.25) 0%, rgba(0,0,0,0) 70%);
    border-radius: 50%;
    pointer-events: none;
}

.hub-breadcrumb-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: #93c5fd;
    font-size: 0.85rem;
    font-weight: 600;
    padding: 0.35rem 1rem;
    border-radius: var(--pill-radius);
    margin-bottom: 1.25rem;
    position: relative;
    z-index: 2;
}

.hub-breadcrumb-pill a {
    color: #93c5fd !important;
    text-decoration: none;
}

.hub-breadcrumb-pill a:hover {
    color: #ffffff !important;
    text-decoration: underline;
}

.hub-hero-banner h1, .inner-hero-title {
    font-size: 2.45rem;
    font-weight: 800;
    color: #ffffff !important;
    margin-bottom: 1rem;
    letter-spacing: -0.5px;
    line-height: 1.2;
    position: relative;
    z-index: 2;
}

.hub-hero-banner p {
    font-size: 1.1rem;
    line-height: 1.65;
    color: #cbd5e1;
    max-width: 860px;
    margin-bottom: 0;
    position: relative;
    z-index: 2;
}

/* ==========================================================================
   7. BALANCED GRID SYSTEMS (3-COL, 4-COL, 2-COL)
   ========================================================================== */
.hub-cards-grid-3, .silo-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
    margin-bottom: 3rem;
}

.hub-cards-grid-4, .silo-grid-4 {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.hub-cards-grid-2, .feature-two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    margin-bottom: 3rem;
}

/* Universal Fallback Grid */
.hub-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
    margin-bottom: 3rem;
}

/* ==========================================================================
   8. CARD COMPONENT DESIGN SYSTEM
   ========================================================================== */
.hub-card {
    background: #ffffff;
    border: 1px solid var(--border-color);
    border-radius: var(--card-radius);
    padding: 1.85rem;
    box-shadow: var(--shadow-subtle);
    transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
}

.hub-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-hover);
    border-color: var(--border-hover);
}

.hub-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1rem;
}

.hub-card-icon {
    font-size: 1.65rem;
    line-height: 1;
}

/* Category Badges */
.hub-badge {
    font-size: 0.75rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 0.3rem 0.75rem;
    border-radius: var(--pill-radius);
    display: inline-block;
}

.badge-pure-protection { background: #eff6ff; color: #1d4ed8; }
.badge-savings-bonus { background: #ecfdf5; color: #047857; }
.badge-child-security { background: #fffbeb; color: #b45309; }
.badge-periodic-liquidity { background: #faf5ff; color: #6d28d9; }
.badge-lifetime-wealth { background: #f0fdfa; color: #0f766e; }
.badge-retirement-income { background: #fff7ed; color: #c2410c; }
.badge-nrn-foreign { background: #fdf2f8; color: #be185d; }
.badge-micro-insurance { background: #f1f5f9; color: #475569; }

.badge-calculator { background: #eff6ff; color: #1e40af; }
.badge-regulation { background: #fef2f2; color: #b91c1c; }
.badge-guide { background: #faf5ff; color: #7e22ce; }
.badge-agent { background: #f0fdfa; color: #0f766e; }
.badge-company { background: #ecfdf5; color: #047857; }

.hub-card h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-heading);
    margin: 0.25rem 0 0.6rem 0;
    line-height: 1.3;
}

.hub-card p {
    font-size: 0.94rem;
    color: #475569;
    line-height: 1.6;
    margin-bottom: 1.25rem;
    flex: 1;
}

.hub-card-meta-list {
    list-style: none;
    padding: 0;
    margin: 0 0 1.5rem 0;
    font-size: 0.88rem;
    color: #64748b;
    border-top: 1px dashed var(--border-color);
    padding-top: 0.9rem;
}

.hub-card-meta-list li {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 0.4rem;
}

.hub-card-meta-list li span.meta-check {
    color: var(--accent-emerald);
    font-weight: 800;
}

/* Button Component */
.hub-card-btn, .btn-primary-gradient {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    width: 100%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-hover) 100%);
    color: #ffffff !important;
    font-weight: 700;
    font-size: 0.92rem;
    padding: 0.8rem 1.25rem;
    border-radius: 10px;
    text-decoration: none;
    box-shadow: 0 4px 12px rgba(26, 86, 219, 0.25);
    transition: all 0.2s ease;
}

.hub-card-btn:hover, .btn-primary-gradient:hover {
    background: linear-gradient(135deg, var(--primary-hover) 0%, #172554 100%);
    box-shadow: 0 6px 18px rgba(26, 86, 219, 0.4);
    transform: translateY(-1px);
}

/* ==========================================================================
   9. EDITORIAL & LEAF PAGE LAYOUT
   ========================================================================== */
.leaf-layout-content, .article-canvas {
    max-width: 960px;
    margin: 0 auto;
    background: #ffffff;
    border-radius: 20px;
    padding: 3rem 2.5rem;
    box-shadow: var(--shadow-subtle);
    border: 1px solid var(--border-color);
    position: relative;
    z-index: 2;
    margin-bottom: 3rem;
}

.leaf-layout-content h2, .article-canvas h2 {
    font-size: 1.65rem;
    font-weight: 800;
    color: var(--text-heading);
    margin: 2.5rem 0 1.1rem 0;
    border-left: 4px solid var(--primary);
    padding-left: 0.85rem;
    line-height: 1.3;
}

.leaf-layout-content h3, .article-canvas h3 {
    font-size: 1.28rem;
    font-weight: 700;
    color: #1e293b;
    margin: 1.85rem 0 0.75rem 0;
}

.leaf-layout-content p, .article-canvas p {
    font-size: 1.05rem;
    line-height: 1.75;
    color: var(--text-body);
    margin-bottom: 1.35rem;
}

/* Modern Data Tables */
.styled-table, .wp-block-table table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border-radius: 12px;
    overflow: hidden;
    border: 1px solid var(--border-color);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
    margin: 1.75rem 0 2.25rem 0;
}

.styled-table th, .wp-block-table th {
    background: #0f172a !important;
    color: #ffffff !important;
    font-size: 0.88rem;
    font-weight: 700;
    padding: 1rem 1.25rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    border: none;
    text-align: left;
}

.styled-table td, .wp-block-table td {
    padding: 1rem 1.25rem;
    border-top: 1px solid var(--border-color);
    color: var(--text-body);
    font-size: 0.95rem;
    line-height: 1.55;
    background: #ffffff;
}

.styled-table tr:nth-child(even) td, .wp-block-table tbody tr:nth-child(even) td {
    background: #f8fafc;
}

.styled-table tr:hover td, .wp-block-table tbody tr:hover td {
    background: #f1f5f9;
}

/* Callout Box */
.callout-box {
    background: #eff6ff;
    border-left: 4px solid var(--primary);
    padding: 1.25rem 1.75rem;
    border-radius: 0 12px 12px 0;
    margin: 2rem 0;
    color: #1e40af;
    font-size: 1.02rem;
}

/* Step Card */
.step-card {
    background: #f8fafc;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 1.25rem 1.5rem;
    margin-bottom: 1rem;
    transition: all 0.2s ease;
}

.step-card:hover {
    border-color: var(--border-hover);
    background: #f1f5f9;
}

/* CTA Bottom Banner */
.hub-bottom-cta, .cta-banner-bottom {
    background: linear-gradient(135deg, #1e40af 0%, #0f172a 100%);
    color: #ffffff;
    padding: 2.25rem 2.5rem;
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1.5rem;
    margin-top: 2.5rem;
    box-shadow: 0 10px 30px rgba(15, 23, 42, 0.12);
}

.hub-bottom-cta h3, .cta-banner-bottom h3 {
    font-size: 1.4rem;
    color: #ffffff !important;
    margin: 0 0 0.35rem 0;
}

.hub-bottom-cta p, .cta-banner-bottom p {
    color: #cbd5e1;
    font-size: 0.98rem;
    margin: 0;
}

.btn-cta-gold {
    background: linear-gradient(135deg, var(--accent-gold) 0%, var(--accent-gold-dark) 100%);
    color: #ffffff !important;
    font-weight: 800;
    font-size: 0.95rem;
    padding: 0.85rem 1.75rem;
    border-radius: 10px;
    text-decoration: none;
    box-shadow: 0 4px 15px rgba(245, 158, 11, 0.35);
    transition: all 0.2s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    white-space: nowrap;
}

.btn-cta-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(245, 158, 11, 0.55);
}

/* ==========================================================================
   10. FOOTER STYLES
   ========================================================================== */
.site-footer {
    background: #0f172a;
    color: #ffffff;
    padding: 4.5rem 0 2rem 0;
    margin-top: auto;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-inner {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 1.5rem;
}

.footer-content {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 3rem;
    margin-bottom: 3.5rem;
}

.footer-logo .custom-brand-logo {
    color: #ffffff;
    font-size: 1.6rem;
}

.footer-tagline {
    color: #94a3b8;
    font-size: 0.92rem;
    margin: 1rem 0 1.25rem 0;
    line-height: 1.6;
}

.footer-trust-badge {
    color: #38bdf8;
    font-size: 0.85rem;
    font-weight: 600;
}

.footer-section h2 {
    color: #93c5fd;
    font-size: 1rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 1.25rem;
}

.footer-section ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-section li {
    margin-bottom: 0.65rem;
}

.footer-section a {
    color: #cbd5e1;
    font-size: 0.92rem;
    transition: color 0.2s;
}

.footer-section a:hover {
    color: #38bdf8;
    text-decoration: underline;
}

.footer-contact li {
    color: #cbd5e1;
    font-size: 0.92rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.footer-contact i {
    color: var(--accent-gold);
    width: 18px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 1.75rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: 0.88rem;
    color: #64748b;
}

.footer-social {
    display: flex;
    gap: 1rem;
}

.footer-social a {
    color: #94a3b8;
    font-size: 1.1rem;
    transition: color 0.2s;
}

.footer-social a:hover {
    color: #38bdf8;
}

/* ==========================================================================
   11. RESPONSIVE BREAKPOINTS
   ========================================================================== */
@media (max-width: 1180px) and (min-width: 861px) {
    .site-tagline-badge {
        display: none;
    }
    .nav-menu {
        gap: 0.45rem;
    }
    .nav-menu li a {
        font-size: 0.85rem;
        padding: 0.35rem 0.5rem;
    }
    .nav-cta-whatsapp {
        padding: 0.5rem 0.85rem !important;
        font-size: 0.82rem !important;
    }
}
@media (max-width: 1024px) {
    .hub-cards-grid-4 {
        grid-template-columns: repeat(2, 1fr);
    }
    .footer-content {
        grid-template-columns: 1fr 1fr;
        gap: 2.5rem;
    }
}

@media (max-width: 860px) {
    .hub-cards-grid-3, .hub-cards-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .feature-two-col {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    .site-nav {
        display: none; /* Mobile menu handles this */
    }
    .header-actions {
        display: flex;
        align-items: center;
        gap: 0.5rem;
    }
}

@media (max-width: 640px) {
    .hub-cards-grid-3, .hub-cards-grid-4, .hub-cards-grid {
        grid-template-columns: 1fr;
    }
    .hub-hero-banner, .inner-page-hero-banner {
        padding: 2.25rem 1.5rem;
        border-radius: 14px;
    }
    .hub-hero-banner h1, .inner-hero-title {
        font-size: 1.85rem;
    }
    .leaf-layout-content, .article-canvas {
        padding: 2rem 1.25rem;
        border-radius: 14px;
    }
    .footer-content {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    .hub-bottom-cta, .cta-banner-bottom {
        flex-direction: column;
        text-align: center;
        padding: 1.75rem 1.25rem;
    }
    .btn-cta-gold {
        width: 100%;
        justify-content: center;
    }
}

/* Prevent wpautop phantom p tags from breaking grid layouts */
.hub-cards-grid > p,
.hub-cards-grid-3 > p,
.hub-cards-grid-4 > p,
.hub-cards-grid-2 > p,
.silo-grid-7 > p,
.silo-grid-3 > p,
.silo-grid-4 > p {
    display: none !important;
    margin: 0 !important;
    padding: 0 !important;
}


/* ==========================================================================
   HOMEPAGE V2 MASTER STYLESHEET (FINTECH DESIGN SYSTEM)
   ========================================================================== */

/* Universal Section Headers */
.section-header-centered {
    text-align: center;
    max-width: 780px;
    margin: 0 auto 48px auto;
}
.section-kicker {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #f59e0b;
    background: rgba(245, 158, 11, 0.1);
    border: 1px solid rgba(245, 158, 11, 0.25);
    padding: 4px 12px;
    border-radius: 9999px;
    margin-bottom: 12px;
}
.section-header-centered h2 {
    font-size: 2.25rem;
    font-weight: 800;
    color: #0f172a;
    line-height: 1.25;
    margin: 0 0 12px 0;
    letter-spacing: -0.02em;
}
.section-header-centered p {
    font-size: 1.125rem;
    color: #475569;
    line-height: 1.6;
    margin: 0;
}

/* 1. HERO SECTION */
.hero-section-v2 {
    background: linear-gradient(135deg, #090e1a 0%, #0f1c34 50%, #0b1528 100%);
    padding: 64px 0 80px 0;
    position: relative;
    overflow: hidden;
    color: #ffffff;
}
.hero-section-v2::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 650px;
    height: 650px;
    background: radial-gradient(circle, rgba(245, 158, 11, 0.12) 0%, rgba(37, 99, 235, 0.08) 40%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.hero-container-v2 {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 48px;
    align-items: center;
}
.hero-badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.18);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    padding: 6px 16px;
    border-radius: 9999px;
    font-size: 0.8125rem;
    font-weight: 600;
    color: #fcd34d;
    margin-bottom: 20px;
}
.badge-dot {
    width: 8px;
    height: 8px;
    background: #10b981;
    border-radius: 50%;
    box-shadow: 0 0 8px #10b981;
}
.hero-title-v2 {
    font-size: 2.75rem;
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.025em;
    color: #ffffff;
    margin: 0 0 18px 0;
}
.highlight-gold {
    background: linear-gradient(135deg, #fbbf24, #f59e0b);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}
.hero-subtitle-v2 {
    font-size: 1.1rem;
    line-height: 1.65;
    color: #94a3b8;
    margin: 0 0 28px 0;
    max-width: 580px;
}
.hero-actions-group {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 28px;
}
.btn-hero-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: linear-gradient(135deg, #f59e0b, #d97706);
    color: #ffffff !important;
    font-size: 0.95rem;
    font-weight: 700;
    padding: 13px 24px;
    border-radius: 10px;
    text-decoration: none !important;
    box-shadow: 0 6px 18px rgba(245, 158, 11, 0.35);
    transition: all 0.25s ease;
    white-space: nowrap;
}
.btn-hero-primary:hover {
    background: linear-gradient(135deg, #fbbf24, #f59e0b);
    transform: translateY(-2px);
    box-shadow: 0 10px 22px rgba(245, 158, 11, 0.45);
}
.btn-hero-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.22);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    color: #ffffff !important;
    font-size: 0.95rem;
    font-weight: 700;
    padding: 13px 24px;
    border-radius: 10px;
    text-decoration: none !important;
    transition: all 0.25s ease;
    white-space: nowrap;
}
.btn-hero-secondary:hover {
    background: rgba(255, 255, 255, 0.16);
    border-color: #ffffff;
    transform: translateY(-2px);
}
.hero-metrics-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    padding-top: 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.metric-pill {
    display: flex;
    align-items: center;
    gap: 12px;
}
.metric-icon {
    font-size: 1.5rem;
}
.metric-pill strong {
    display: block;
    font-size: 1rem;
    font-weight: 700;
    color: #ffffff;
    line-height: 1.2;
}
.metric-pill span {
    font-size: 0.75rem;
    color: #94a3b8;
}

/* Hero Media Column */
.hero-media-col {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}
.hero-image-wrapper {
    position: relative;
    width: 100%;
    max-width: 500px;
    border-radius: 20px;
    overflow: visible;
}
.hero-featured-image {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 20px;
    box-shadow: 0 20px 45px -10px rgba(0, 0, 0, 0.55), 0 0 50px rgba(245, 158, 11, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.15);
}
.floating-stat-card {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    background: rgba(15, 23, 42, 0.94);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 12px;
    padding: 10px 16px;
    box-shadow: 0 14px 28px rgba(0, 0, 0, 0.45);
    z-index: 2;
    transition: transform 0.2s ease;
}
.floating-stat-card:hover {
    transform: translateY(-2px);
}
.card-top-right {
    top: -12px;
    right: -12px;
}
.card-bottom-left {
    bottom: -16px;
    left: -12px;
}
.floating-stat-card .card-icon {
    font-size: 1.35rem;
}
.stat-title {
    display: block;
    font-size: 0.72rem;
    color: #94a3b8;
    font-weight: 600;
}
.stat-value {
    display: block;
    font-size: 0.95rem;
    font-weight: 800;
    color: #fcd34d;
}

/* 2. SILO HUBS SECTION */
.silo-hubs-section {
    padding: 88px 0;
    background: #f8fafc;
}
.silo-card-highlight {
    border-top: 4px solid #f59e0b !important;
}
.silo-icon-wrap {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 16px;
}
.icon-gold { background: rgba(245, 158, 11, 0.12); color: #d97706; }
.icon-blue { background: rgba(37, 99, 235, 0.12); color: #2563eb; }
.icon-emerald { background: rgba(16, 185, 129, 0.12); color: #059669; }
.icon-purple { background: rgba(147, 51, 234, 0.12); color: #7e22ce; }
.icon-red { background: rgba(239, 68, 68, 0.12); color: #dc2626; }
.icon-amber { background: rgba(217, 119, 6, 0.12); color: #b45309; }

.silo-badge {
    position: absolute;
    top: 20px;
    right: 20px;
    font-size: 0.6875rem;
    font-weight: 700;
    background: #e2e8f0;
    color: #334155;
    padding: 3px 10px;
    border-radius: 9999px;
    text-transform: uppercase;
}
.card-explore-link {
    display: inline-block;
    font-size: 0.875rem;
    font-weight: 700;
    color: #1e3a8a;
    margin-top: 16px;
    transition: transform 0.2s ease;
}
.hub-card:hover .card-explore-link {
    transform: translateX(4px);
    color: #f59e0b;
}

/* 3. CALCULATORS FEATURE SECTION */
.calculators-feature-section {
    padding: 88px 0;
    background: #ffffff;
}
.feature-content-col h2 {
    font-size: 2.25rem;
    font-weight: 800;
    color: #0f172a;
    line-height: 1.2;
    margin: 0 0 16px 0;
}
.feature-content-col p {
    font-size: 1.0625rem;
    color: #475569;
    line-height: 1.6;
    margin: 0 0 28px 0;
}
.calc-links-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.calc-link-item {
    display: flex;
    align-items: center;
    gap: 16px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    padding: 14px 18px;
    text-decoration: none !important;
    transition: all 0.2s ease;
}
.calc-link-item:hover {
    background: #ffffff;
    border-color: #f59e0b;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.06);
    transform: translateX(4px);
}
.cli-icon {
    font-size: 1.5rem;
    flex-shrink: 0;
}
.cli-info {
    flex-grow: 1;
}
.cli-info strong {
    display: block;
    font-size: 0.9375rem;
    font-weight: 700;
    color: #0f172a;
    line-height: 1.3;
}
.cli-info span {
    display: block;
    font-size: 0.8125rem;
    color: #64748b;
    margin-top: 2px;
}
.cli-arrow {
    font-size: 1.25rem;
    color: #94a3b8;
    font-weight: 700;
    transition: all 0.2s ease;
}
.calc-link-item:hover .cli-arrow {
    color: #f59e0b;
    transform: translateX(4px);
}
.graphic-frame {
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    border: 1px solid #e2e8f0;
}
.feature-graphic {
    width: 100%;
    height: auto;
    display: block;
}

/* 4. COMPANIES TABLE SECTION */
.companies-table-section {
    padding: 88px 0;
    background: #f8fafc;
}
.table-responsive-wrapper {
    overflow-x: auto;
    background: #ffffff;
    border-radius: 16px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.04);
    border: 1px solid #e2e8f0;
    margin-bottom: 32px;
}
.comparison-table-v2 {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9375rem;
}
.comparison-table-v2 thead th {
    background: #0f172a;
    color: #ffffff;
    font-weight: 700;
    text-align: left;
    padding: 16px 20px;
    font-size: 0.875rem;
    letter-spacing: 0.02em;
}
.comparison-table-v2 tbody td {
    padding: 16px 20px;
    border-bottom: 1px solid #f1f5f9;
    color: #334155;
}
.comparison-table-v2 tbody tr:hover {
    background: #f8fafc;
}
.tag-bonus {
    display: inline-block;
    background: rgba(16, 185, 129, 0.1);
    color: #059669;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px;
    font-size: 0.8125rem;
}
.tag-csr {
    display: inline-block;
    background: rgba(37, 99, 235, 0.1);
    color: #2563eb;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px;
    font-size: 0.8125rem;
}
.table-link {
    font-weight: 700;
    color: #1e3a8a;
    text-decoration: none;
}
.table-link:hover {
    color: #f59e0b;
}
.table-footer-cta {
    text-align: center;
}
.btn-outline-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    border: 2px solid #1e3a8a;
    color: #1e3a8a !important;
    font-weight: 700;
    font-size: 0.9375rem;
    padding: 12px 28px;
    border-radius: 10px;
    text-decoration: none !important;
    transition: all 0.25s ease;
}
.btn-outline-primary:hover {
    background: #1e3a8a;
    color: #ffffff !important;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(30, 58, 138, 0.2);
}

/* 5. ADVISORY FEATURE SECTION */
.advisory-feature-section {
    padding: 88px 0;
    background: #ffffff;
}
.reverse-col {
    grid-template-columns: 0.85fr 1.15fr;
}
.advisory-benefits-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 28px 0;
}
.adv-benefit-card {
    display: flex;
    gap: 12px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    padding: 16px;
}
.adv-icon {
    font-size: 1.5rem;
}
.adv-benefit-card strong {
    display: block;
    font-size: 0.9375rem;
    color: #0f172a;
    margin-bottom: 4px;
}
.adv-benefit-card p {
    font-size: 0.8125rem;
    color: #64748b;
    margin: 0;
    line-height: 1.4;
}
.advisory-cta-box {
    margin-top: 24px;
}
.btn-large {
    font-size: 1.0625rem;
    padding: 16px 32px;
}

/* 6. FEATURED GUIDES SECTION */
.featured-guides-section {
    padding: 88px 0;
    background: #f8fafc;
}
.guides-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-bottom: 40px;
}
.guide-entry-card {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 28px;
    display: flex;
    flex-direction: column;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    transition: all 0.25s ease;
}
.guide-entry-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 32px rgba(0, 0, 0, 0.08);
    border-color: #cbd5e1;
}
.guide-card-tag {
    font-size: 0.6875rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    color: #2563eb;
    background: rgba(37, 99, 235, 0.08);
    padding: 4px 10px;
    border-radius: 6px;
    align-self: flex-start;
    margin-bottom: 16px;
}
.guide-entry-card h3 {
    font-size: 1.25rem;
    font-weight: 700;
    margin: 0 0 12px 0;
    line-height: 1.35;
}
.guide-entry-card h3 a {
    color: #0f172a;
    text-decoration: none;
}
.guide-entry-card h3 a:hover {
    color: #f59e0b;
}
.guide-entry-card p {
    font-size: 0.9375rem;
    color: #64748b;
    line-height: 1.6;
    margin: 0 0 20px 0;
    flex-grow: 1;
}
.guide-read-link {
    font-size: 0.875rem;
    font-weight: 700;
    color: #1e3a8a;
    text-decoration: none;
}
.guide-read-link:hover {
    color: #f59e0b;
}
.guides-footer-cta {
    text-align: center;
}

/* 7. WHY TRUST BEEMA NEPAL */
.why-beema-v2 {
    padding: 88px 0;
    background: #0f172a;
    color: #ffffff;
}
.why-beema-v2 .section-header-centered h2 {
    color: #ffffff;
}
.why-features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}
.why-feature-box {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 16px;
    padding: 32px;
    text-align: center;
}
.wf-icon {
    font-size: 2.25rem;
    display: block;
    margin-bottom: 16px;
}
.why-feature-box h3 {
    font-size: 1.1875rem;
    font-weight: 700;
    color: #ffffff;
    margin: 0 0 12px 0;
}
.why-feature-box p {
    font-size: 0.9375rem;
    color: #94a3b8;
    line-height: 1.6;
    margin: 0;
}

/* 8. ENTITY FOOTER V2 */
.entity-footer-v2 {
    padding: 64px 0;
    background: #ffffff;
    border-top: 1px solid #e2e8f0;
}
.entity-grid-v2 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}
.entity-col-v2 h4 {
    font-size: 1rem;
    font-weight: 800;
    color: #0f172a;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin: 0 0 16px 0;
    padding-bottom: 10px;
    border-bottom: 2px solid #e2e8f0;
}
.entity-col-v2 ul {
    list-style: none;
    padding: 0;
    margin: 0;
}
.entity-col-v2 li {
    margin-bottom: 10px;
}
.entity-col-v2 a {
    color: #475569;
    text-decoration: none;
    font-size: 0.9375rem;
    transition: color 0.2s ease;
}
.entity-col-v2 a:hover {
    color: #f59e0b;
}

/* ==================== RESPONSIVE BREAKPOINTS ==================== */
@media (max-width: 992px) {
    .hero-container-v2,
    .reverse-col {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .hero-text-col {
        text-align: center;
    }
    .hero-subtitle-v2 {
        margin: 0 auto 32px auto;
    }
    .hero-actions-group {
        justify-content: center;
    }
    .hero-metrics-strip {
        justify-content: center;
    }
    .guides-cards-grid,
    .why-features-grid,
    .entity-grid-v2 {
        grid-template-columns: 1fr;
    }
    .card-top-right,
    .card-bottom-left {
        position: static;
        margin-top: 12px;
    }
}

@media (max-width: 768px) {
    .hero-title-v2 {
        font-size: 2.25rem;
    }
    .hero-metrics-strip {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    .advisory-benefits-grid {
        grid-template-columns: 1fr;
    }
}

.feature-media-col {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* ==========================================================================
   WHATSAPP HIGH-CONVERSION CTA & FLOATING WIDGET
   ========================================================================== */
.nav-cta-whatsapp {
    background: linear-gradient(135deg, #25D366, #128C7E) !important;
    color: #ffffff !important;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 4px 14px rgba(37, 211, 102, 0.35) !important;
}
.nav-cta-whatsapp:hover {
    background: linear-gradient(135deg, #28e06c, #159c8c) !important;
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(37, 211, 102, 0.45) !important;
}

.floating-whatsapp-btn {
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 9999;
    background: #25D366;
    color: #ffffff !important;
    border-radius: 9999px;
    padding: 12px 22px;
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    font-size: 0.9375rem;
    text-decoration: none !important;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
.floating-whatsapp-btn i {
    font-size: 1.5rem;
}
.floating-whatsapp-btn:hover {
    background: #22bf5b;
    transform: scale(1.05) translateY(-2px);
    box-shadow: 0 12px 30px rgba(37, 211, 102, 0.5);
}
.fwa-pulse {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    border-radius: 9999px;
    border: 2px solid #25D366;
    animation: fwa-pulse-anim 2s infinite cubic-bezier(0.4, 0, 0.6, 1);
    pointer-events: none;
}
@keyframes fwa-pulse-anim {
    0% { transform: scale(1); opacity: 0.8; }
    50% { transform: scale(1.18); opacity: 0; }
    100% { transform: scale(1.25); opacity: 0; }
}
@media (max-width: 480px) {
    .floating-whatsapp-btn .fwa-text {
        display: none;
    }
    .floating-whatsapp-btn {
        padding: 14px;
        bottom: 20px;
        right: 20px;
    }
}

/* ==========================================================================
   AUTHORITATIVE HOMEPAGE & ECOSYSTEM STYLESHEET
   ========================================================================== */

/* Logo & Tagline Badge in Header */
.site-logo-wrap {
    display: flex;
    flex-direction: column;
}
.site-tagline-badge {
    font-size: 0.6875rem;
    font-weight: 600;
    color: #94a3b8;
    letter-spacing: 0.02em;
    margin-top: 2px;
}

/* Hero Trust Subtext */
.hero-trust-subtext {
    font-size: 0.875rem;
    color: #94a3b8;
    margin-top: 16px;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    align-items: center;
}
.hero-trust-subtext span {
    color: #cbd5e1;
    font-weight: 500;
}

/* 2. Key Industry Metrics Strip */
.metrics-strip-section {
    background: #ffffff;
    border-bottom: 1px solid #e2e8f0;
    padding: 32px 0;
}
.metrics-strip-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.metric-box {
    border-left: 3px solid #f59e0b;
    padding-left: 16px;
}
.metric-val {
    font-size: 1.25rem;
    font-weight: 800;
    color: #0f172a;
    line-height: 1.2;
    margin-bottom: 4px;
}
.metric-desc {
    font-size: 0.8125rem;
    color: #64748b;
    line-height: 1.4;
}

/* 3. Ground Reality Section (Problem vs Reality Cards) */
.ground-reality-section {
    padding: 88px 0;
    background: #f8fafc;
}
.reality-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}
.reality-card {
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transition: all 0.25s ease;
}
.reality-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 32px rgba(0, 0, 0, 0.08);
}
.rc-header {
    padding: 24px 24px 16px 24px;
    border-bottom: 1px solid #f1f5f9;
}
.rc-tag {
    display: inline-block;
    font-size: 0.6875rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    padding: 3px 8px;
    border-radius: 4px;
    margin-bottom: 10px;
    text-transform: uppercase;
}
.myth-tag { background: #fee2e2; color: #dc2626; }
.trap-tag { background: #fef3c7; color: #b45309; }
.danger-tag { background: #fce7f3; color: #be185d; }

.rc-header h3 {
    font-size: 1.1875rem;
    font-weight: 800;
    color: #0f172a;
    margin: 0;
    line-height: 1.3;
}
.rc-body {
    padding: 20px 24px;
    display: flex;
    flex-direction: column;
    gap: 16px;
    flex-grow: 1;
}
.rc-row strong {
    display: block;
    font-size: 0.8125rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 4px;
}
.rc-row p {
    font-size: 0.875rem;
    line-height: 1.55;
    margin: 0;
}
.pitch-row strong { color: #dc2626; }
.pitch-row p { color: #64748b; }
.math-row strong { color: #d97706; }
.math-row p { color: #475569; }
.move-row {
    background: #f0fdf4;
    border: 1px solid #bbf7d0;
    border-radius: 8px;
    padding: 12px;
    margin-top: auto;
}
.move-row strong { color: #15803d; }
.move-row p { color: #166534; font-weight: 500; }

/* 4. Actuarial Tools & Calculators 5-Card Grid */
.calc-cards-grid-5 {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
}
.calc-box-card {
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 16px;
    padding: 28px 24px;
    display: flex;
    flex-direction: column;
    transition: all 0.25s ease;
}
.calc-box-card:hover {
    background: #ffffff;
    border-color: #f59e0b;
    box-shadow: 0 12px 28px rgba(0, 0, 0, 0.06);
    transform: translateY(-4px);
}
.cbc-icon {
    font-size: 2rem;
    margin-bottom: 16px;
}
.calc-box-card h3 {
    font-size: 1.1875rem;
    font-weight: 700;
    color: #0f172a;
    margin: 0 0 10px 0;
    line-height: 1.35;
}
.calc-box-card p {
    font-size: 0.875rem;
    color: #64748b;
    line-height: 1.6;
    margin: 0 0 20px 0;
    flex-grow: 1;
}
.calc-btn-link {
    font-size: 0.875rem;
    font-weight: 700;
    color: #1e3a8a;
    text-decoration: none;
    transition: color 0.2s ease;
}
.calc-box-card:hover .calc-btn-link {
    color: #f59e0b;
}

/* 5. Policy Types Section */
.policy-types-section {
    padding: 88px 0;
    background: #ffffff;
}

/* 7. Unbiased Consultation Funnel */
.advisory-banner-box {
    background: linear-gradient(135deg, #0b1528 0%, #112240 50%, #0f172a 100%);
    border-radius: 24px;
    padding: 56px 48px;
    text-align: center;
    color: #ffffff;
    box-shadow: 0 20px 48px rgba(0, 0, 0, 0.25);
    border: 1px solid rgba(255, 255, 255, 0.1);
}
.advisory-pillars-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 900px;
    margin: 0 auto;
}
.adv-pillar {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 12px;
    padding: 20px 16px;
    text-align: center;
}
.pillar-icon {
    font-size: 1.75rem;
    display: block;
    margin-bottom: 8px;
}
.adv-pillar strong {
    display: block;
    font-size: 0.9375rem;
    color: #ffffff;
    margin-bottom: 4px;
}
.adv-pillar p {
    font-size: 0.8125rem;
    color: #94a3b8;
    margin: 0;
    line-height: 1.4;
}
.btn-whatsapp-large {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: #25D366;
    color: #ffffff !important;
    font-size: 1.0625rem;
    font-weight: 700;
    padding: 16px 36px;
    border-radius: 12px;
    text-decoration: none !important;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    transition: all 0.25s ease;
}
.btn-whatsapp-large:hover {
    background: #22bf5b;
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(37, 211, 102, 0.5);
}

/* 8. 4-Column Guides Grid */
.guides-grid-4 {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

/* Footer Disclaimer Box */
.footer-disclaimer-box {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    padding: 24px 0;
    margin: 32px 0 24px 0;
}
.footer-disclaimer-box p {
    font-size: 0.8125rem;
    color: #94a3b8;
    line-height: 1.6;
    margin: 0;
}
.footer-disclaimer-box a {
    color: #fcd34d;
    text-decoration: none;
}

/* Responsive adjustments */
@media (max-width: 992px) {
    .metrics-strip-grid,
    .reality-cards-grid,
    .advisory-pillars-row,
    .guides-grid-4 {
        grid-template-columns: 1fr 1fr;
    }
}
@media (max-width: 640px) {
    .metrics-strip-grid,
    .reality-cards-grid,
    .advisory-pillars-row,
    .guides-grid-4 {
        grid-template-columns: 1fr;
    }
    .advisory-banner-box {
        padding: 36px 20px;
    }
}