/* =====================================================
   NairaOptions — Binary Options Trading in Nigeria
   Hybrid landing / long-form guide stylesheet
   ===================================================== */

:root{
  --navy:#0b1f3a;
  --navy-2:#122b4f;
  --green:#0f766e;
  --green-2:#14b8a6;
  --accent:#f59e0b;
  --accent-2:#fbbf24;
  --violet:#4c1d95;
  --violet-2:#6d28d9;
  --rose:#fff1f2;
  --rose-2:#be123c;
  --sand:#fdf6ec;
  --mint:#ecfdf5;
  --light:#ffffff;
  --grey:#f3f6fa;
  --text:#1f2937;
  --muted:#6b7280;
  --line:#e5e7eb;
  --red:#dc2626;
  --radius:16px;
  --shadow:0 10px 30px rgba(11,31,58,.08);
  --shadow-lg:0 20px 50px rgba(11,31,58,.16);
  --font-head:"Manrope",system-ui,sans-serif;
  --font-body:"Inter",system-ui,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--font-body);color:var(--text);line-height:1.65;background:var(--light);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.2;margin:0 0 .6em;color:var(--navy)}
h1{font-size:clamp(1.9rem,4vw,3rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.2rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{padding-left:1.2em}
.container{width:min(1180px,92%);margin:0 auto}
.container.narrow{width:min(860px,92%)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:999}
.skip-link:focus{left:8px}
.muted{color:var(--muted)}
.small{font-size:.85rem}
.mt{margin-top:1.5rem}
.text-green{color:var(--green)}
.text-red{color:var(--red)}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.85em 1.5em;border-radius:999px;font-weight:600;font-family:var(--font-head);border:2px solid transparent;cursor:pointer;transition:.2s;text-decoration:none!important;font-size:1rem;line-height:1}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:#0d5f58;transform:translateY(-2px)}
.btn-accent{background:var(--accent);color:var(--navy)}
.btn-accent:hover{background:var(--accent-2);transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.22)}
.btn-outline{background:transparent;color:var(--green);border-color:var(--green)}
.btn-outline:hover{background:var(--green);color:#fff}
.btn-sm{padding:.65em 1.2em;font-size:.9rem}
.btn-block{width:100%;justify-content:center}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(11,31,58,.96);backdrop-filter:blur(8px);color:#fff;box-shadow:0 2px 12px rgba(0,0,0,.2)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.7rem 0}
.logo{display:flex;align-items:center;gap:.5rem;color:#fff;font-family:var(--font-head);font-size:1.25rem;text-decoration:none!important}
.logo-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--green-2),var(--green));color:#fff}
.logo-text strong{color:var(--accent)}
.nav-menu{display:flex;gap:1.3rem;list-style:none;margin:0;padding:0}
.nav-menu a{color:#d9e2f0;font-weight:500;font-size:.95rem}
.nav-menu a:hover{color:var(--accent);text-decoration:none}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer}

/* Hero */
.hero{background:radial-gradient(circle at 80% 20%,rgba(20,184,166,.35),transparent 45%),linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1e3a5f 100%);color:#fff;padding:3.5rem 0 4rem}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:3rem;align-items:start}
.hero h1{color:#fff}
.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;padding:0;margin:0 0 1rem;font-size:.85rem;color:#a9b8d0}
.breadcrumbs li+li::before{content:"›";margin-right:.4rem}
.breadcrumbs a{color:#a9b8d0}
.eyebrow{display:inline-flex;align-items:center;gap:.4rem;background:rgba(20,184,166,.18);border:1px solid rgba(20,184,166,.5);color:#99f6e4;padding:.35em .9em;border-radius:999px;font-size:.82rem;font-weight:600;margin-bottom:1rem}
.lead{font-size:1.12rem;color:#dbe4f3}
.hero-bullets{list-style:none;padding:0;margin:1.2rem 0;display:grid;gap:.5rem}
.hero-bullets li{display:flex;gap:.6rem;align-items:flex-start;color:#e8eef8}
.hero-bullets i{color:var(--accent);margin-top:.25em}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.5rem 0 1rem}
.risk-inline{font-size:.85rem;color:#fcd34d;background:rgba(245,158,11,.12);border-left:3px solid var(--accent);padding:.6rem .9rem;border-radius:8px}

.capture-card{background:#fff;color:var(--text);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow-lg);border-top:6px solid var(--accent)}
.capture-card h2{font-size:1.35rem}
.capture-form label{display:block;font-size:.85rem;font-weight:600;margin:.8rem 0 .3rem}
.capture-form input,.capture-form select,.review-form input,.review-form select,.review-form textarea,.inline-form input,.calc-field input[type=number]{width:100%;padding:.75em .9em;border:1.5px solid var(--line);border-radius:10px;font:inherit;font-size:.95rem;background:#fff;color:var(--text)}
.capture-form input:focus,.review-form input:focus,.review-form textarea:focus,.inline-form input:focus{outline:2px solid var(--green-2);border-color:transparent}
.capture-form .btn{margin-top:1.1rem}
.capture-form small{display:block;margin-top:.6rem;color:var(--muted);text-align:center}
.form-msg{min-height:1.2em;font-size:.9rem;font-weight:600;margin:.6rem 0 0;color:var(--green)}
.form-msg.error{color:var(--red)}

/* Stats */
.stats-bar{background:var(--green);color:#fff;padding:1.4rem 0}
.stats-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem;text-align:center}
.stat-num{display:block;font-family:var(--font-head);font-size:2rem;font-weight:800}
.stat-label{font-size:.85rem;opacity:.9}

/* TOC */
.toc-section{padding:2.5rem 0 0}
.toc-box{background:var(--grey);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 2rem}
.toc-box h2{font-size:1.15rem;display:flex;align-items:center;gap:.5rem}
.toc-list{columns:2;gap:2rem;margin:0;padding-left:1.2em;font-size:.95rem}
.toc-list li{margin:.3em 0;break-inside:avoid}

/* Sections */
.section{padding:4.5rem 0}
.section-light{background:var(--light)}
.section-sand{background:var(--sand)}
.section-mint{background:var(--mint)}
.section-navy{background:var(--navy);color:#dbe4f3}
.section-navy h2,.section-navy h3{color:#fff}
.section-violet{background:linear-gradient(160deg,var(--violet),var(--violet-2));color:#ede9fe}
.section-violet h2,.section-violet h3{color:#fff}
.section-rose{background:var(--rose)}
.section-head{max-width:860px;margin-bottom:2.5rem}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head .sub{font-size:1.05rem;color:inherit;opacity:.85}
.section-tag{display:inline-block;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--green);background:rgba(15,118,110,.1);padding:.3em .8em;border-radius:6px;margin-bottom:.8rem}
.tag-light{color:#99f6e4;background:rgba(255,255,255,.12)}
.split{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:start}
.split.reverse{grid-template-columns:1.2fr .8fr}
.text-block p{font-size:1.02rem}
.check-list{list-style:none;padding:0}
.check-list li{position:relative;padding-left:1.7em;margin:.5em 0}
.check-list li::before{content:"\f00c";font-family:"Font Awesome 6 Free";font-weight:900;position:absolute;left:0;top:.15em;color:var(--green)}
.check-list.light li::before{color:var(--green-2)}

/* Visual card / trade ticket */
.visual-card{position:sticky;top:100px}
.trade-ticket{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow-lg)}
.ticket-head{display:flex;justify-content:space-between;align-items:center;font-weight:700;font-size:1.1rem;margin-bottom:1rem}
.ticket-row{display:flex;justify-content:space-between;padding:.6rem 0;border-top:1px solid rgba(255,255,255,.1);font-size:.95rem}
.ticket-buttons{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:1rem}
.btn-call,.btn-put{display:flex;align-items:center;justify-content:center;gap:.4rem;padding:.8em;border-radius:10px;font-weight:700;color:#fff}
.btn-call{background:#16a34a}
.btn-put{background:#dc2626}
.pill{padding:.25em .7em;border-radius:999px;font-size:.78rem;font-weight:700}
.pill-green{background:#16a34a;color:#fff}
.visual-caption{font-size:.85rem;color:var(--muted);margin-top:.8rem}

/* Legal grid */
.legal-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.legal-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:1.8rem}
.icon-xl{font-size:2rem;color:var(--accent);margin-bottom:.8rem}
.callout{display:flex;gap:1rem;align-items:flex-start;border-radius:var(--radius);padding:1.3rem 1.5rem;margin-top:2rem;font-size:1rem}
.callout i{font-size:1.5rem;margin-top:.1em}
.callout-amber{background:rgba(245,158,11,.14);border:1px solid rgba(245,158,11,.5);color:#fde68a}
.callout-amber strong{color:#fff}
.callout-red{background:#fff;border:1px solid #fecdd3;color:var(--text)}
.callout-red i{color:var(--rose-2)}

/* Tables */
.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow);-webkit-overflow-scrolling:touch}
.data-table{width:100%;border-collapse:collapse;background:#fff;font-size:.92rem;min-width:760px}
.data-table caption{text-align:left;padding:.9rem 1.2rem;font-weight:700;font-family:var(--font-head);color:var(--navy);background:#fff;border-bottom:1px solid var(--line)}
.data-table th,.data-table td{padding:.9rem 1rem;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.data-table thead th{background:var(--navy);color:#fff;font-weight:600;font-size:.85rem;letter-spacing:.03em}
.data-table tbody tr:nth-child(even){background:#f8fafc}
.data-table tbody tr:hover{background:#ecfdf5}
.data-table tbody th{font-weight:600;color:var(--navy)}
.broker-name{display:block;font-weight:700;font-size:1rem}
.broker-table small{color:var(--muted);font-weight:400}
.score{display:inline-block;background:var(--green);color:#fff;font-weight:700;padding:.2em .6em;border-radius:6px}
.table-note{font-size:.85rem;color:var(--muted);margin:.9rem 0 0}
.table-dark{background:#fff}
.table-dark caption{color:var(--navy)}

/* Broker cards */
.broker-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.5rem}
.broker-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow);display:flex;flex-direction:column}
.broker-card.featured{border:2px solid var(--accent);background:linear-gradient(180deg,#fffbeb,#fff)}
.ribbon{position:absolute;top:-12px;left:1.5rem;background:var(--accent);color:var(--navy);font-size:.75rem;font-weight:700;padding:.3em .9em;border-radius:999px;text-transform:uppercase;letter-spacing:.05em}
.broker-card h3{font-size:1.1rem}
.broker-card p{flex:1;font-size:.95rem}
.pros-cons{list-style:none;padding:0;margin:0 0 1.2rem;font-size:.9rem}
.pros-cons li{padding-left:1.5em;position:relative;margin:.35em 0}
.pros-cons li::before{font-family:"Font Awesome 6 Free";font-weight:900;position:absolute;left:0}
.pros-cons .pro::before{content:"\f058";color:#16a34a}
.pros-cons .con::before{content:"\f057";color:var(--red)}

/* Steps */
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem;counter-reset:step}
.step{background:#fff;border-radius:var(--radius);padding:1.8rem 1.8rem 1.8rem 4.5rem;position:relative;box-shadow:var(--shadow)}
.step-num{position:absolute;left:1.3rem;top:1.6rem;width:2.3rem;height:2.3rem;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff;font-weight:800;font-family:var(--font-head)}
.step h3{font-size:1.05rem}
.step p{font-size:.95rem;margin:0}
.cta-strip{margin-top:2.5rem;background:var(--navy);color:#fff;border-radius:var(--radius);padding:2rem 2.5rem;display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap}
.cta-strip h3{color:#fff;margin-bottom:.3rem}
.cta-strip p{margin:0;color:#c9d6ea}

/* Calculator */
.formula{background:var(--grey);padding:.8rem 1rem;border-radius:10px;font-family:ui-monospace,monospace;font-size:.95rem}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow-lg);border-top:6px solid var(--green)}
.calc-field{margin-bottom:1rem}
.calc-field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.35rem}
.calc-field input[type=range]{width:100%;accent-color:var(--green)}
.calc-results{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:1.3rem}
.calc-results div{background:var(--grey);border-radius:10px;padding:.8rem 1rem}
.calc-results span{display:block;font-size:.78rem;color:var(--muted)}
.calc-results strong{font-size:1.15rem;font-family:var(--font-head);color:var(--navy)}
.calc-results strong.neg{color:var(--red)}
.calc-results strong.pos{color:#15803d}
.calc-note{font-size:.8rem;color:var(--muted);margin:1rem 0 0}

/* Info cards / type grid */
.info-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.5rem}
.info-card{background:#fff;border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.info-card i{font-size:1.6rem;color:var(--accent);margin-bottom:.6rem}
.info-card h3{font-size:1.05rem}
.info-card p{font-size:.93rem;margin:0}
.type-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem}
.type-card{background:var(--grey);border-radius:var(--radius);padding:1.5rem;border:1px solid var(--line);transition:.2s}
.type-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.type-card i{font-size:1.5rem;color:var(--green);margin-bottom:.6rem}
.type-card h3{font-size:1rem}
.type-card p{font-size:.9rem;margin:0;color:#374151}

/* Strategies */
.strategy-text{display:grid;grid-template-columns:1fr 1fr;gap:2rem;margin-top:2.5rem}
.strategy-text article{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:1.6rem}
.strategy-text p{margin:0;font-size:.97rem}

/* Chart */
.chart-card{background:#fff;border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.chart-card h3{font-size:1.05rem}
.chart-wrap{position:relative;height:300px}

/* Scams */
.checklist-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.check-item{display:flex;gap:1rem;align-items:flex-start;background:#fff;border-radius:12px;padding:1.1rem 1.3rem;border:1px solid #fecdd3}
.check-item i{color:var(--rose-2);font-size:1.3rem;margin-top:.2em}
.check-item p{margin:0;font-size:.95rem}

/* Side card / mini table */
.side-card{background:var(--grey);border-radius:var(--radius);padding:1.6rem;border:1px solid var(--line)}
.mini-table{width:100%;border-collapse:collapse;font-size:.88rem;margin-bottom:1rem}
.mini-table th,.mini-table td{padding:.5rem .6rem;border-bottom:1px solid var(--line);text-align:left}
.mini-table th{background:#fff;color:var(--navy)}

/* Phone mock */
.phone-mock{display:flex;justify-content:center}
.phone{width:260px;background:#0a0f1c;border-radius:36px;padding:14px;box-shadow:var(--shadow-lg);border:3px solid #233}
.phone-screen{background:#111c33;border-radius:26px;padding:1.2rem 1rem;color:#fff;font-size:.85rem}
.ps-head{display:flex;justify-content:space-between;font-weight:700;margin-bottom:.8rem}
.ps-chart{display:flex;align-items:flex-end;gap:5px;height:110px;margin-bottom:.9rem}
.ps-chart span{flex:1;background:linear-gradient(180deg,var(--green-2),var(--green));border-radius:4px 4px 0 0}
.ps-row{display:flex;justify-content:space-between;padding:.4rem 0;border-top:1px solid rgba(255,255,255,.1)}
.ps-btns{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-top:.8rem}
.ps-btns span{padding:.6em;font-size:.8rem}

/* Reviews */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.review{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow);display:flex;flex-direction:column}
.stars{color:var(--accent);letter-spacing:2px;margin-bottom:.6rem}
.review p{flex:1;font-size:.95rem;color:#374151}
.review footer{display:flex;gap:.8rem;align-items:center}
.avatar{--c:var(--green);width:42px;height:42px;border-radius:50%;background:var(--c);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem;flex-shrink:0}
.avatar.lg{width:60px;height:60px;font-size:1.2rem}
.review cite{font-style:normal;font-weight:700;display:block;color:var(--navy)}
.review small{color:var(--muted)}
.review-cta{text-align:center;margin:2rem 0 1rem;font-size:1.02rem}
.review-form{background:var(--grey);border-radius:var(--radius);padding:1.8rem;border:1px solid var(--line);max-width:860px;margin:0 auto}
.review-form label{display:block;font-size:.85rem;font-weight:600;margin:.8rem 0 .3rem}
.form-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.review-form textarea{resize:vertical}
.review-form .btn{margin-top:1rem}

/* EEAT */
.eeat-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:2rem}
.author-card,.method-card{background:#fff;border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow)}
.author-head{display:flex;gap:1rem;align-items:center;margin-bottom:1rem}
.author-head h3{margin-bottom:.1rem}
.cred-list{list-style:none;padding:0;margin:0}
.cred-list li{display:flex;gap:.6rem;margin:.5em 0;font-size:.95rem}
.cred-list i{color:var(--green);margin-top:.25em}
.source-list{font-size:.92rem;padding-left:1.1em}
.source-list li{margin:.3em 0}

/* FAQ */
.faq-list{display:grid;gap:.8rem}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow)}
.faq-item summary{cursor:pointer;list-style:none;padding:1.1rem 3rem 1.1rem 1.4rem;font-weight:700;font-family:var(--font-head);color:var(--navy);position:relative;font-size:1.02rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;font-weight:700;transition:.2s}
.faq-item[open] summary::after{content:"−";background:var(--green);color:#fff}
.faq-body{padding:0 1.4rem 1.2rem;color:#374151}
.faq-body p{margin:0}

/* Glossary */
.glossary{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;margin:0}
.glossary div{background:#fff;border-radius:12px;padding:1rem 1.2rem;border-left:4px solid var(--green)}
.glossary dt{font-weight:700;color:var(--navy);font-family:var(--font-head)}
.glossary dd{margin:.2rem 0 0;font-size:.9rem;color:#374151}

/* Final CTA */
.final-cta{background:linear-gradient(135deg,var(--green) 0%,var(--navy) 100%);color:#fff;padding:4rem 0}
.final-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:2.5rem;align-items:center}
.final-cta h2{color:#fff}
.final-cta p{color:#d9f3ef}
.inline-form{display:flex;flex-wrap:wrap;gap:.7rem}
.inline-form input{flex:1;min-width:220px;border:0}
.inline-form .form-msg{width:100%;color:#fde68a}

/* Footer */
.site-footer{background:#07152a;color:#b7c3d8;padding:3.5rem 0 2rem;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem}
.footer-brand p{margin-top:1rem}
.footer-links h3{color:#fff;font-size:1rem;margin-bottom:.8rem}
.footer-links ul{list-style:none;padding:0;margin:0}
.footer-links li{margin:.4em 0}
.footer-links a{color:#b7c3d8}
.footer-links a:hover{color:var(--accent)}
.risk-footer{border-top:1px solid rgba(255,255,255,.1);padding-top:1.5rem;font-size:.8rem;color:#8fa0bb}
.copy{margin-top:1rem}
.back-top{position:fixed;right:1.2rem;bottom:1.2rem;width:44px;height:44px;border-radius:50%;background:var(--accent);color:var(--navy);display:grid;place-items:center;box-shadow:var(--shadow-lg);opacity:0;pointer-events:none;transition:.3s;z-index:90}
.back-top.show{opacity:1;pointer-events:auto}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ============ Responsive ============ */
@media (max-width:1024px){
  .hero-grid,.split,.split.reverse,.eeat-grid,.final-inner{grid-template-columns:1fr}
  .visual-card{position:static}
  .broker-cards,.info-cards,.reviews-grid{grid-template-columns:repeat(2,1fr)}
  .type-grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(3,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .form-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:768px){
  .section{padding:3.2rem 0}
  .nav-toggle{display:block}
  .nav-menu{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;background:var(--navy);padding:1rem 4%;gap:.2rem;border-top:1px solid rgba(255,255,255,.1)}
  .nav-menu.open{display:flex}
  .nav-menu a{display:block;padding:.7rem 0;font-size:1.05rem}
  .header-cta{display:none}
  .hero{padding:2.5rem 0 3rem}
  .legal-grid,.checklist-grid,.strategy-text,.broker-cards,.info-cards,.reviews-grid,.type-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
  .stat-num{font-size:1.6rem}
  .toc-list{columns:1}
  .toc-box{padding:1.3rem}
  .cta-strip{padding:1.6rem}
  .form-grid{grid-template-columns:1fr}
  .calc-results{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .data-table{min-width:640px;font-size:.86rem}
  .capture-card{padding:1.4rem}
}