/* ===== Reset & Base Styles ===== */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --primary-blue: #0066ff;
  --primary-blue-dark: #0052cc;
  --primary-blue-darker: #003d99;
  --text-dark: #1a1a1a;
  --text-gray: #4a4a4a;
  --text-light: #6b7280;
  --bg-white: #ffffff;
  --bg-gray-light: #f9fafb;
  --bg-gray: #f3f4f6;
  --border-gray: #e5e7eb;
  --success-green: #10b981;
  --warning-red: #ef4444;
}

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  line-height: 1.6;
  color: var(--text-dark);
  background: var(--bg-white);
  overflow-x: hidden;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== Navigation ===== */
.navbar {
  position: sticky;
  top: 0;
  background: var(--bg-white);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
  z-index: 1000;
  padding: 16px 0;
}

.nav-wrapper {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-dark);
  text-decoration: none;
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}

.nav-link {
  text-decoration: none;
  color: var(--text-gray);
  font-weight: 500;
  transition: color 0.2s;
}

.nav-link:hover,
.nav-link.active {
  color: var(--primary-blue);
}

.nav-link.btn-primary {
  background: var(--primary-blue);
  color: white;
  padding: 10px 20px;
  border-radius: 8px;
}

.nav-link.btn-primary:hover {
  background: var(--primary-blue-dark);
  color: white;
}

.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
}

.mobile-menu-toggle span {
  width: 25px;
  height: 3px;
  background: var(--text-dark);
  border-radius: 2px;
}

/* ===== Hero Section ===== */
.hero {
  background: linear-gradient(135deg, #0066ff 0%, #0052cc 100%);
  color: white;
  padding: 80px 0;
  text-align: center;
}

.hero-content {
  max-width: 900px;
  margin: 0 auto;
}

.hero-title {
  font-size: 3rem;
  font-weight: 800;
  margin-bottom: 24px;
  line-height: 1.2;
}

.hero-subtitle {
  font-size: 1.25rem;
  margin-bottom: 40px;
  opacity: 0.95;
  line-height: 1.7;
}

.hero-cta {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 60px;
}

.btn {
  padding: 12px 28px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: 600;
  transition: all 0.3s;
  display: inline-block;
  border: none;
  cursor: pointer;
}

.btn-primary-large {
  background: white;
  color: var(--primary-blue);
  padding: 16px 36px;
  font-size: 1.1rem;
}

.btn-primary-large:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 16px rgba(0, 0, 0, 0.2);
}

.btn-secondary-large {
  background: transparent;
  color: white;
  border: 2px solid white;
  padding: 16px 36px;
  font-size: 1.1rem;
}

.btn-secondary-large:hover {
  background: rgba(255, 255, 255, 0.1);
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 60px;
  flex-wrap: wrap;
}

.stat {
  display: flex;
  flex-direction: column;
}

.stat-number {
  font-size: 2.5rem;
  font-weight: 800;
}

.stat-label {
  font-size: 0.9rem;
  opacity: 0.9;
}

/* ===== Quick Links ===== */
.quick-links {
  padding: 60px 0;
  background: var(--bg-gray-light);
}

.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
}

.quick-link-card {
  background: white;
  padding: 32px;
  border-radius: 12px;
  text-align: center;
  text-decoration: none;
  color: var(--text-dark);
  transition: all 0.3s;
  border: 1px solid var(--border-gray);
}

.quick-link-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(0, 102, 255, 0.15);
  border-color: var(--primary-blue);
}

.quick-link-card .icon {
  width: 60px;
  height: 60px;
  background: #e6f0ff;
  color: var(--primary-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.quick-link-card h3 {
  font-size: 1.25rem;
  margin-bottom: 8px;
}

.quick-link-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* ===== Article Section ===== */
.article-section {
  padding: 60px 0;
}

.article-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
}

.article-content {
  max-width: 800px;
}

.breadcrumb {
  color: var(--text-light);
  margin-bottom: 24px;
  font-size: 0.9rem;
}

.breadcrumb a {
  color: var(--primary-blue);
  text-decoration: none;
}

.article-title {
  font-size: 2.5rem;
  line-height: 1.2;
  margin-bottom: 16px;
  font-weight: 800;
}

.article-meta {
  display: flex;
  gap: 24px;
  color: var(--text-light);
  font-size: 0.9rem;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border-gray);
}

.article-summary {
  background: #e6f0ff;
  border-left: 4px solid var(--primary-blue);
  padding: 24px;
  margin-bottom: 32px;
  border-radius: 0 8px 8px 0;
}

.article-summary h3 {
  margin-bottom: 12px;
  color: var(--primary-blue);
}

.article-summary ul {
  list-style-position: inside;
}

.article-summary li {
  margin-bottom: 8px;
}

.article-body h2 {
  font-size: 1.875rem;
  margin: 48px 0 24px;
  font-weight: 700;
}

.article-body p {
  margin-bottom: 20px;
  line-height: 1.8;
  color: var(--text-gray);
}

.info-box {
  background: #fff7ed;
  border-left: 4px solid #f59e0b;
  padding: 20px;
  margin: 32px 0;
  border-radius: 0 8px 8px 0;
}

.info-box h4 {
  margin-bottom: 8px;
  color: #f59e0b;
}

/* ===== Terms Grid ===== */
.terms-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin: 32px 0;
}

.term-card {
  background: var(--bg-gray-light);
  padding: 20px;
  border-radius: 8px;
  border: 1px solid var(--border-gray);
}

.term-card h4 {
  color: var(--primary-blue);
  margin-bottom: 8px;
  font-weight: 600;
}

.term-card p {
  font-size: 0.9rem;
  color: var(--text-gray);
  margin: 0;
}

/* ===== Comparison Section ===== */
.comparison-section {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: 32px;
  margin: 40px 0;
}

.comparison-card {
  background: white;
  border: 2px solid var(--border-gray);
  border-radius: 12px;
  padding: 32px;
}

.comparison-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}

.comparison-header h3 {
  font-size: 1.5rem;
  margin: 0;
}

.badge {
  background: #dcfce7;
  color: #16a34a;
  padding: 6px 12px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 600;
}

.badge-premium {
  background: #e6f0ff;
  color: var(--primary-blue);
}

.comparison-intro {
  color: var(--text-gray);
  margin-bottom: 24px;
}

.comparison-card h4 {
  margin: 24px 0 12px;
  font-size: 1.1rem;
}

.comparison-card ul {
  list-style-position: inside;
  margin-bottom: 16px;
}

.comparison-card li {
  margin-bottom: 8px;
  color: var(--text-gray);
}

.pros-list li {
  color: var(--success-green);
}

.cons-list li {
  color: var(--warning-red);
}

/* ===== Checklist Section ===== */
.checklist-section {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  margin: 32px 0;
}

.checklist {
  background: var(--bg-gray-light);
  padding: 24px;
  border-radius: 8px;
  border: 1px solid var(--border-gray);
}

.checklist h4 {
  margin-bottom: 16px;
  font-size: 1.1rem;
}

.checklist ul {
  list-style: none;
}

.checklist li {
  padding: 8px 0;
  padding-left: 28px;
  position: relative;
}

.checklist li:before {
  content: "•";
  position: absolute;
  left: 10px;
  color: var(--primary-blue);
  font-weight: bold;
}

/* ===== Calculator ===== */
.calculator-box {
  background: linear-gradient(135deg, #0066ff 0%, #0052cc 100%);
  color: white;
  padding: 40px;
  border-radius: 12px;
  margin: 40px 0;
}

.calculator-box h3 {
  margin-bottom: 24px;
  font-size: 1.75rem;
}

.calculator {
  display: grid;
  gap: 20px;
}

.calc-input-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.calc-input-group label {
  font-weight: 600;
  color: #1a1a1a;
  font-size: 0.95rem;
  margin-bottom: 4px;
}

.calc-input-group input {
  padding: 14px 16px;
  border: 2px solid #e5e7eb;
  border-radius: 8px;
  font-size: 1rem;
  transition: all 0.2s;
  background: #fff;
}

.calc-input-group input:focus {
  outline: none;
  border-color: #0066ff;
  box-shadow: 0 0 0 3px rgba(0, 102, 255, 0.1);
}

.calc-input-group input::placeholder {
  color: #9ca3af;
}

/* IUL Section Responsive */
.iul-section-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
}

@media (min-width: 768px) {
  .iul-section-grid {
    grid-template-columns: 1fr 1fr;
    gap: 60px;
  }
}

/* Article Content Overflow Fix */
.article-content img,
.article-content video {
  max-width: 100%;
  height: auto;
}

.article-content table {
  width: 100%;
  overflow-x: auto;
  display: block;
}

@media (max-width: 768px) {
  .article-content {
    overflow-x: hidden;
  }

  .article-content h1 {
    font-size: 1.8rem !important;
  }

  .article-content h2 {
    font-size: 1.5rem !important;
  }

  div[style*="height: 250px"] {
    height: 120px !important;
  }

  .article-banner-img,
  section[style*="height: 250px"] img {
    object-fit: cover !important;
    object-position: center center;
  }

  .hero {
    background-size: contain !important;
    background-position: center top !important;
    padding: 40px 0 !important;
    min-height: 350px !important;
  }
}

/* FAQ Styles */
.faq-item {
  margin-bottom: 24px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  padding: 20px;
  background: #f9fafb;
  border: none;
  text-align: left;
  font-size: 1.1rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background 0.2s;
}

.faq-question:hover {
  background: #f3f4f6;
}

.faq-question.active {
  background: #e5e7eb;
}

.faq-icon {
  font-size: 1.5rem;
  color: #0066ff;
  transition: transform 0.3s;
  font-weight: normal;
}

.faq-question.active .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  padding: 20px;
  background: white;
  display: none;
  animation: fadeIn 0.3s;
}

.faq-answer.show {
  display: block;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(-10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.faq-answer p {
  line-height: 1.7;
  color: #4a4a4a;
  margin: 0;
}

.faq-question h4 {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 600;
  text-align: left;
}

@media (max-width: 768px) {
  .faq-question h4 {
    font-size: 0.95rem;
  }
}

.btn-primary {
  background: white;
  color: var(--primary-blue);
  padding: 14px 32px;
  font-size: 1rem;
}

.btn-primary:hover {
  transform: scale(1.02);
}

.calc-result {
  margin-top: 16px;
  padding: 20px;
  background: rgba(255, 255, 255, 0.3);
  border-radius: 8px;
  font-size: 1.1rem;
  font-weight: 600;
  min-height: 80px;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
}

.calc-result:empty {
  min-height: 20px;
  padding: 0;
  background: transparent;
}

/* ===== FAQ Section ===== */
.faq-section {
  margin: 40px 0;
}

.faq-item {
  border: 1px solid var(--border-gray);
  border-radius: 8px;
  margin-bottom: 16px;
  overflow: hidden;
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px;
  cursor: pointer;
  background: var(--bg-gray-light);
  transition: background 0.2s;
}

.faq-question:hover {
  background: #e6f0ff;
}

.faq-question h4 {
  margin: 0;
  font-weight: 600;
}

.faq-icon {
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--primary-blue);
  transition: transform 0.3s;
}

/* ===== Steps List ===== */
.steps-list {
  counter-reset: step-counter;
  list-style: none;
  padding: 0;
}

.steps-list li {
  counter-increment: step-counter;
  margin-bottom: 32px;
  padding-left: 60px;
  position: relative;
}

.steps-list li:before {
  content: counter(step-counter);
  position: absolute;
  left: 0;
  top: 0;
  width: 40px;
  height: 40px;
  background: var(--primary-blue);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1rem;
}

.steps-list strong {
  display: block;
  font-size: 1.1rem;
  margin-bottom: 8px;
}

.steps-list p {
  margin: 0;
}

/* ===== CTA Box ===== */
.cta-box {
  background: linear-gradient(135deg, #e6f0ff 0%, #dbeafe 100%);
  padding: 48px;
  border-radius: 12px;
  text-align: center;
  margin: 48px 0;
}

.cta-box h3 {
  font-size: 2rem;
  margin-bottom: 16px;
}

.cta-box p {
  margin-bottom: 24px;
  font-size: 1.1rem;
}

/* ===== Sidebar ===== */
.sidebar {
  position: sticky;
  top: 100px;
  height: fit-content;
}

.sidebar-card {
  background: white;
  border: 1px solid var(--border-gray);
  border-radius: 12px;
  padding: 24px;
  margin-bottom: 24px;
}

.sidebar-card h3 {
  margin-bottom: 16px;
  font-size: 1.25rem;
}

.toc {
  list-style: none;
}

.toc li {
  margin-bottom: 12px;
}

.toc a {
  color: var(--text-gray);
  text-decoration: none;
  transition: color 0.2s;
}

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

.sidebar-cta {
  background: linear-gradient(135deg, #0066ff 0%, #0052cc 100%);
  color: white;
}

.sidebar-cta h3,
.sidebar-cta p {
  color: white;
}

.related-articles {
  list-style: none;
}

.related-articles li {
  margin-bottom: 12px;
}

.related-articles a {
  color: var(--text-gray);
  text-decoration: none;
  display: block;
  padding: 8px 0;
  border-bottom: 1px solid var(--border-gray);
  transition: color 0.2s;
}

.related-articles a:hover {
  color: var(--primary-blue);
}

/* ===== Featured Articles ===== */
.featured-articles {
  padding: 80px 0;
  background: var(--bg-gray-light);
}

.section-title {
  text-align: center;
  font-size: 2.5rem;
  margin-bottom: 48px;
  font-weight: 800;
}

.articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
}

.article-card {
  background: white;
  border-radius: 12px;
  overflow: hidden;
  transition: transform 0.3s;
  border: 1px solid var(--border-gray);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.article-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.1);
}

.article-image {
  width: 100%;
  height: 200px;
  overflow: hidden;
  display: block;
  position: relative;
  transition: transform 0.3s ease;
  cursor: pointer;
}

.article-image:hover {
  transform: scale(1.05);
}

.article-card:hover .article-image {
  transform: scale(1.02);
}

.placeholder-img {
  width: 100%;
  height: 100%;
}

.article-card-content {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.category {
  background: #e6f0ff;
  color: var(--primary-blue);
  padding: 4px 12px;
  border-radius: 12px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
}

.article-card h3 {
  margin: 16px 0 12px;
  font-size: 1.25rem;
}

.article-card p {
  color: var(--text-light);
  margin-bottom: 16px;
}

.read-more {
  color: var(--primary-blue);
  font-weight: 600;
  text-decoration: none;
  margin-top: auto;
  display: inline-block;
}

.read-more:hover {
  text-decoration: underline;
}

/* ===== Footer ===== */
.footer {
  background: var(--text-dark);
  color: white;
  padding: 60px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.footer-col h4 {
  margin-bottom: 16px;
  font-weight: 600;
}

.footer-col ul {
  list-style: none;
}

.footer-col li {
  margin-bottom: 12px;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-col a:hover {
  color: white;
}

.contact-info li {
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.8);
}

.social-links {
  display: flex;
  gap: 12px;
  margin-top: 16px;
}

.social-links a {
  width: 36px;
  height: 36px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
}

.social-links a:hover {
  background: var(--primary-blue);
}

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p {
  margin: 0;
  color: rgba(255, 255, 255, 0.6);
}

.footer-links {
  display: flex;
  gap: 24px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
}

.footer-links a:hover {
  color: white;
}

/* ===== Responsive Design ===== */
/* Featured IUL Section Mobile */
@media (max-width: 968px) {
  section[style*="grid-template-columns: 1fr 1fr"]
    > div
    > div[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 40px !important;
  }

  section[style*="grid-template-columns: 1fr 1fr"] h2 {
    font-size: 2rem !important;
  }

  /* Hero Section Mobile */
  .hero .container > div {
    grid-template-columns: 1fr !important;
  }

  .hero-title {
    font-size: 2.5rem !important;
  }

  .hero-subtitle {
    font-size: 1.1rem !important;
  }
}

@media (max-width: 1024px) {
  .article-layout {
    grid-template-columns: 1fr;
  }

  .sidebar {
    position: static;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .nav-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    flex-direction: column;
    padding: 20px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
  }

  .nav-menu.active {
    display: flex;
  }

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

  .hero-title {
    font-size: 2rem;
  }

  .hero-subtitle {
    font-size: 1rem;
  }

  .hero-stats {
    gap: 30px;
  }

  .article-title {
    font-size: 1.75rem;
  }

  .comparison-section,
  .checklist-section {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .hero-cta {
    flex-direction: column;
  }

  .hero-title {
    font-size: 1.75rem;
  }

  .section-title {
    font-size: 1.75rem;
  }

  .btn,
  .btn-primary,
  .btn-primary-large,
  .btn-secondary-large {
    width: 100%;
    padding: 14px 20px;
  }

  .cta-box {
    padding: 24px;
  }

  .quick-links-grid,
  .articles-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 8px;
  }
}

/* ===== Pagination ===== */
.pagination-container {
  margin-top: 48px;
  text-align: center;
  display: block;
  visibility: visible;
}

.pagination {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.pagination button {
  background: white;
  border: 1px solid var(--border-gray);
  color: var(--text-gray);
  padding: 10px 16px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 500;
  transition: all 0.3s ease;
  min-width: 44px;
}

.pagination button:hover:not(:disabled) {
  background: var(--primary-blue);
  color: white;
  border-color: var(--primary-blue);
  transform: translateY(-2px);
}

.pagination button.active {
  background: var(--primary-blue);
  color: white;
  border-color: var(--primary-blue);
}

.pagination button:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.article-card.hidden {
  display: none;
}