*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#0f2240;--navy2:#1a3560;--gold:#c8922a;--gold2:#e0a830;
  --white:#fff;--off:#f8f9fb;--gray:#6b7280;--gray2:#9ca3af;--gray3:#e5e7eb;--gray4:#f3f4f6;
  --ink:#111827;--green:#15803d;--green2:#dcfce7;--red:#dc2626;
  --serif:'Fraunces',Georgia,serif;--sans:'DM Sans',system-ui,sans-serif;
  --r:10px;--r-lg:16px;--shadow:0 4px 16px rgba(0,0,0,.08);--shadow-lg:0 20px 60px rgba(0,0,0,.12);
}
html{scroll-behavior:smooth}
body{background:var(--white);color:var(--ink);font-family:var(--sans);font-weight:300;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.15}
.container{max-width:1200px;margin:0 auto;padding:0 2rem}
.container-sm{max-width:860px;margin:0 auto;padding:0 2rem}
.section{padding:5rem 0}
.section-sm{padding:3rem 0}
.eyebrow{font-size:.7rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:.5rem;margin-bottom:.6rem}
.eyebrow::before{content:'';display:inline-block;width:24px;height:2px;background:var(--gold);border-radius:2px}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--sans);font-size:.88rem;font-weight:600;padding:.78rem 1.6rem;border-radius:var(--r);border:2px solid transparent;cursor:pointer;text-decoration:none;transition:all .2s;white-space:nowrap}
.btn-gold{background:var(--gold);color:var(--white);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold2);transform:translateY(-1px);box-shadow:0 6px 20px rgba(200,146,42,.35)}
.btn-navy{background:var(--navy);color:var(--white);border-color:var(--navy)}
.btn-navy:hover{background:var(--navy2);transform:translateY(-1px)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:var(--white)}
.btn-outline-w{background:transparent;color:var(--white);border-color:rgba(255,255,255,.5)}
.btn-outline-w:hover{background:rgba(255,255,255,.1)}
.btn-lg{padding:1rem 2rem;font-size:.95rem}
.btn-sm{padding:.5rem 1rem;font-size:.78rem}
.btn-full{width:100%}

/* NAV */
.topbar{background:var(--navy);color:rgba(255,255,255,.8);font-size:.72rem;text-align:center;padding:.5rem 1rem}
.topbar strong{color:var(--gold2)}
.topbar a{color:var(--gold2)}
.nav{position:sticky;top:0;z-index:300;background:rgba(255,255,255,.97);backdrop-filter:blur(20px);border-bottom:1px solid var(--gray3)}
.nav-inner{display:flex;align-items:center;height:68px;gap:1.5rem}
.logo{font-family:var(--serif);font-size:1.2rem;color:var(--navy);cursor:pointer;flex-shrink:0}
.logo strong{color:var(--gold)}
.logo-badge{font-size:.5rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--navy);color:var(--white);padding:.1rem .4rem;border-radius:3px;margin-left:.4rem}
.nav-links{display:flex;gap:.1rem}
.nav-links a{font-size:.82rem;color:var(--gray);padding:.4rem .65rem;border-radius:6px;transition:all .15s;cursor:pointer}
.nav-links a:hover,.nav-links a.active{color:var(--navy);background:var(--off)}
.nav-space{flex:1}
.nav-phone{font-size:.82rem;font-weight:500;color:var(--navy)}
.nav-phone:hover{color:var(--gold)}

/* HERO */
.hero{background:linear-gradient(150deg,var(--navy) 0%,var(--navy2) 55%,#1e4080 100%);padding:5rem 0 0;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;top:-150px;right:-150px;width:500px;height:500px;background:radial-gradient(circle,rgba(200,146,42,.12) 0%,transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1fr 420px;gap:4rem;align-items:start;position:relative;z-index:2}
.hero-left{padding-bottom:4rem}
.hero-tag{display:inline-flex;align-items:center;gap:.5rem;background:rgba(200,146,42,.15);border:1px solid rgba(200,146,42,.3);color:var(--gold2);font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;padding:.3rem .85rem;border-radius:100px;margin-bottom:1.5rem}
.hero h1{font-size:clamp(2.2rem,4vw,3.4rem);color:var(--white);margin-bottom:1.2rem}
.hero h1 em{font-style:italic;color:var(--gold2);font-weight:300}
.hero-sub{font-size:1rem;color:rgba(255,255,255,.6);max-width:520px;margin-bottom:2rem;line-height:1.8}
.hero-btns{display:flex;gap:.85rem;flex-wrap:wrap;margin-bottom:.5rem}
.hero-note{font-size:.7rem;color:rgba(255,255,255,.3);margin-top:.4rem}
.hero-trust{display:flex;gap:2rem;padding-top:2rem;border-top:1px solid rgba(255,255,255,.1);margin-top:1.5rem}
.ht-item{display:flex;align-items:center;gap:.5rem}
.ht-text{font-size:.72rem;color:rgba(255,255,255,.45);line-height:1.4}
.ht-text strong{color:rgba(255,255,255,.75);display:block;font-size:.78rem}

/* RATE CARD */
.rate-card{background:var(--white);border-radius:var(--r-lg);overflow:hidden;box-shadow:0 40px 100px rgba(0,0,0,.45);position:relative;z-index:5;margin-bottom:-3rem}
.rc-head{background:var(--navy);padding:1rem 1.4rem;display:flex;align-items:center;justify-content:space-between}
.rc-title{font-size:.68rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.rc-live{font-size:.62rem;font-weight:600;color:var(--gold2)}
.rc-row{display:flex;align-items:center;padding:.9rem 1.4rem;border-bottom:1px solid var(--gray4);gap:.75rem;cursor:pointer;transition:background .15s}
.rc-row:last-of-type{border-bottom:none}
.rc-row:hover{background:var(--off)}
.rc-badge{font-size:.58rem;font-weight:700;padding:.15rem .4rem;border-radius:3px;text-transform:uppercase;flex-shrink:0}
.b-myga{background:#dcfce7;color:#15803d}
.b-spia{background:#fef9c3;color:#854d0e}
.b-fia{background:#dbeafe;color:#1d4ed8}
.b-dia{background:#f3e8ff;color:#7e22ce}
.rc-info{flex:1}
.rc-name{font-size:.85rem;font-weight:500;color:var(--ink)}
.rc-carrier{font-size:.7rem;color:var(--gray2)}
.rc-rate{text-align:right}
.rc-pct{font-family:var(--serif);font-size:1.5rem;color:var(--green)}
.rc-term{font-size:.65rem;color:var(--gray2)}
.rc-foot{padding:1rem 1.4rem;background:var(--off);border-top:1px solid var(--gray3)}
.rc-foot button{width:100%;padding:.75rem;background:var(--gold);color:var(--white);border:none;border-radius:var(--r);font-family:var(--sans);font-size:.85rem;font-weight:600;cursor:pointer;transition:all .2s}
.rc-foot button:hover{background:var(--gold2)}
.rc-disc{font-size:.6rem;color:var(--gray2);text-align:center;margin-top:.5rem;line-height:1.5}

/* CARRIER STRIP */
.carrier-strip{background:var(--off);border-bottom:1px solid var(--gray3);padding:1.25rem 0}
.cs-inner{display:flex;align-items:center;gap:2rem;flex-wrap:wrap;justify-content:center}
.cs-label{font-size:.68rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gray2);white-space:nowrap}
.cs-logos{display:flex;gap:1.5rem;flex-wrap:wrap;justify-content:center}
.cs-logo{font-size:.78rem;font-weight:600;color:var(--gray);padding:.3rem .7rem;border:1px solid var(--gray3);border-radius:6px;background:var(--white)}

/* STATS */
.stats{background:var(--navy);padding:2rem 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{text-align:center;padding:.5rem 1rem;border-right:1px solid rgba(255,255,255,.1)}
.stat:last-child{border-right:none}
.stat-num{font-family:var(--serif);font-size:2.2rem;color:var(--gold2);line-height:1}
.stat-label{font-size:.7rem;color:rgba(255,255,255,.4);margin-top:.3rem;line-height:1.4}

/* PRODUCT CARDS */
.products-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.prod-card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);padding:1.75rem;cursor:pointer;transition:all .2s;position:relative;overflow:hidden}
.prod-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gold)}
.prod-card:hover{border-color:var(--navy);box-shadow:var(--shadow);transform:translateY(-2px)}
.pc-tag{margin-bottom:.75rem}
.pc-tag span{font-size:.65rem;font-weight:700;padding:.15rem .5rem;border-radius:4px;text-transform:uppercase}
.pc-name{font-family:var(--serif);font-size:1.15rem;color:var(--navy);margin-bottom:.4rem}
.pc-rate{font-size:.75rem;font-weight:600;color:var(--green);background:var(--green2);display:inline-block;padding:.18rem .5rem;border-radius:3px;margin-bottom:.75rem}
.pc-desc{font-size:.83rem;color:var(--gray);line-height:1.65}
.pc-cta{font-size:.75rem;font-weight:600;color:var(--navy);margin-top:.85rem}

/* STEPS */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.step{text-align:center;padding:2rem 1.5rem;background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);transition:all .2s}
.step:hover{border-color:var(--navy);box-shadow:var(--shadow)}
.step-num{width:48px;height:48px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.3rem;margin:0 auto 1.25rem}
.step-title{font-family:var(--serif);font-size:1.1rem;color:var(--navy);margin-bottom:.5rem}
.step-text{font-size:.83rem;color:var(--gray);line-height:1.7}

/* CALC TABS */
.calc-tabs{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:2rem}
.calc-tab{padding:.45rem 1rem;border:1.5px solid var(--gray3);background:var(--white);border-radius:var(--r);font-family:var(--sans);font-size:.78rem;color:var(--gray);cursor:pointer;transition:all .15s}
.calc-tab:hover{border-color:var(--navy);color:var(--navy)}
.calc-tab.on{background:var(--navy);color:var(--white);border-color:var(--navy);font-weight:500}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
.calc-box{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);padding:1.75rem}
.calc-box h3{font-family:var(--serif);font-size:1.1rem;color:var(--navy);margin-bottom:.3rem}
.calc-box p{font-size:.78rem;color:var(--gray);margin-bottom:1.25rem;line-height:1.6}
.cf{margin-bottom:1rem}
.cf label{display:block;font-size:.65rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gray2);margin-bottom:.3rem}
.cf input,.cf select{width:100%;padding:.6rem .85rem;border:1.5px solid var(--gray3);border-radius:var(--r);background:var(--off);font-family:var(--sans);font-size:.88rem;color:var(--ink);outline:none;transition:border-color .15s}
.cf input:focus,.cf select:focus{border-color:var(--navy);background:var(--white)}
.cf-row{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.calc-res{background:var(--navy);border-radius:var(--r-lg);padding:1.75rem}
.cr-ey{font-size:.62rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:1rem}
.cr-label{font-size:.75rem;color:rgba(255,255,255,.45);margin-bottom:.3rem}
.cr-val{font-family:var(--serif);font-size:2.8rem;color:var(--gold2);line-height:1;margin-bottom:.25rem}
.cr-sub{font-size:.7rem;color:rgba(255,255,255,.3);margin-bottom:1.5rem}
.cr-stats{display:grid;grid-template-columns:1fr 1fr;gap:.85rem;margin-bottom:1.25rem}
.cr-stat{background:rgba(255,255,255,.06);border-radius:var(--r);padding:.75rem}
.cr-stat-label{font-size:.62rem;color:rgba(255,255,255,.35);margin-bottom:.25rem}
.cr-stat-val{font-family:var(--serif);font-size:1.1rem;color:var(--white)}
.cr-btn{width:100%;padding:.72rem;background:var(--gold);color:var(--white);border:none;border-radius:var(--r);font-family:var(--sans);font-size:.83rem;font-weight:600;cursor:pointer;transition:all .2s;margin-top:.5rem}
.cr-btn:hover{background:var(--gold2)}
.cr-disc{font-size:.58rem;color:rgba(255,255,255,.2);line-height:1.6;border-top:1px solid rgba(255,255,255,.08);padding-top:.75rem;margin-top:.75rem}

/* SIT CARDS */
.sit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.sit-card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);padding:1.75rem;cursor:pointer;transition:all .2s}
.sit-card:hover{border-color:var(--navy);box-shadow:var(--shadow);transform:translateY(-2px)}
.sit-who{font-size:.65rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem}
.sit-title{font-family:var(--serif);font-size:1rem;color:var(--navy);margin-bottom:.5rem}
.sit-desc{font-size:.82rem;color:var(--gray);line-height:1.65;margin-bottom:.85rem}
.sit-sol{background:#fdf4e3;border:1px solid rgba(200,146,42,.2);border-radius:6px;padding:.6rem .85rem;font-size:.78rem;color:var(--gold);line-height:1.5}

/* TESTIMONIALS */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.testi{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);padding:1.5rem}
.testi-stars{color:var(--gold2);font-size:.85rem;margin-bottom:.75rem}
.testi-q{font-size:.83rem;color:var(--gray);line-height:1.75;font-style:italic;margin-bottom:1rem}
.testi-name{font-size:.78rem;font-weight:600;color:var(--navy)}
.testi-loc{font-size:.7rem;color:var(--gray2)}

/* LEAD FORM */
.lead-section{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);padding:5rem 0}
.lead-grid{display:grid;grid-template-columns:1fr 420px;gap:4rem;align-items:center}
.lead-h{font-family:var(--serif);font-size:2.3rem;color:var(--white);margin-bottom:.75rem;line-height:1.2}
.lead-h em{font-style:italic;color:var(--gold2)}
.lead-p{font-size:.88rem;color:rgba(255,255,255,.5);line-height:1.8;margin-bottom:1.25rem}
.lead-perks{list-style:none;display:flex;flex-direction:column;gap:.45rem}
.lead-perk{display:flex;align-items:flex-start;gap:.6rem;font-size:.83rem;color:rgba(255,255,255,.65)}
.lead-perk::before{content:'✓';color:var(--gold2);font-weight:700;flex-shrink:0}
.lead-form-box{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:20px;padding:2rem}
.lf-title{font-family:var(--serif);font-size:1.3rem;color:var(--white);margin-bottom:1.25rem}
.lf{margin-bottom:.85rem}
.lf label{display:block;font-size:.62rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:.28rem}
.lf input,.lf select{width:100%;padding:.65rem .9rem;background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.15);border-radius:var(--r);color:var(--white);font-family:var(--sans);font-size:.88rem;outline:none}
.lf input::placeholder{color:rgba(255,255,255,.25)}
.lf input:focus,.lf select:focus{border-color:var(--gold2)}
.lf select option{background:var(--navy2)}
.lf-row{display:grid;grid-template-columns:1fr 1fr;gap:.65rem}
.tcpa{background:rgba(0,0,0,.2);border-radius:6px;padding:.65rem;margin:.5rem 0 .85rem}
.tcpa p{font-size:.62rem;color:rgba(255,255,255,.3);line-height:1.55}
.tcpa-row{display:flex;gap:.5rem;align-items:flex-start;margin-top:.4rem}
.tcpa-row input[type=checkbox]{margin-top:2px;flex-shrink:0;accent-color:var(--gold2)}
.tcpa-row label{font-size:.6rem;color:rgba(255,255,255,.35);cursor:pointer;line-height:1.5}
.lead-submit{width:100%;padding:.9rem;background:var(--gold);color:var(--white);border:none;border-radius:var(--r);font-family:var(--sans);font-size:.9rem;font-weight:600;cursor:pointer;transition:all .2s}
.lead-submit:hover{background:var(--gold2)}
.lead-submit:disabled{background:rgba(255,255,255,.15);cursor:not-allowed}
.lead-note{font-size:.6rem;color:rgba(255,255,255,.25);text-align:center;margin-top:.6rem;line-height:1.5}

/* PAGE HEADER (interior pages) */
.page-hdr{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);padding:3.5rem 0 2.5rem}
.page-hdr h2{font-family:var(--serif);font-size:2.4rem;color:var(--white);font-weight:400;margin-bottom:.65rem}
.page-hdr p{font-size:.93rem;color:rgba(255,255,255,.5);max-width:580px;line-height:1.8}

/* RATES TABLE */
.rate-table{width:100%;border-collapse:collapse;font-size:.84rem}
.rate-table thead th{background:var(--navy);color:rgba(255,255,255,.7);padding:.8rem 1.1rem;text-align:left;font-size:.68rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.rate-table tbody td{padding:.95rem 1.1rem;border-bottom:1px solid var(--gray3);vertical-align:middle}
.rate-table tbody tr:hover td{background:var(--off)}
.rt-carrier{font-weight:500;color:var(--ink)}
.rt-rate{font-family:var(--serif);font-size:1.4rem;color:var(--green)}
.rt-type{display:inline-block;padding:.18rem .5rem;border-radius:4px;font-size:.62rem;font-weight:700;text-transform:uppercase}
.rt-myga{background:#dcfce7;color:#15803d}
.rt-spia{background:#fef9c3;color:#854d0e}
.rt-fia{background:#dbeafe;color:#1d4ed8}
.rt-dia{background:#f3e8ff;color:#7e22ce}
.rt-rating{display:inline-block;background:var(--green2);color:var(--green);font-size:.63rem;font-weight:700;padding:.1rem .4rem;border-radius:3px;margin-left:.3rem}
.filter-bar{background:var(--white);border-bottom:1px solid var(--gray3);padding:1rem 0;position:sticky;top:68px;z-index:200}
.filter-inner{display:flex;align-items:center;gap:1rem;flex-wrap:wrap}
.fg{display:flex;flex-direction:column;gap:.15rem}
.fg label{font-size:.6rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gray2)}
.fg select{padding:.4rem .7rem;border:1.5px solid var(--gray3);border-radius:6px;font-family:var(--sans);font-size:.8rem;color:var(--ink);outline:none}
.fg select:focus{border-color:var(--navy)}

/* EDUCATION SIDEBAR - navy theme with gold accents */
.edu-layout{display:grid;grid-template-columns:280px 1fr;min-height:calc(100vh - 68px);background:#f8f9fb}
.edu-sidebar{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);padding:1.5rem 1rem;position:sticky;top:68px;height:calc(100vh - 68px);overflow-y:auto;color:#fff;border-right:none;box-shadow:4px 0 20px rgba(15,34,64,.08)}
.edu-sidebar::-webkit-scrollbar{width:6px}
.edu-sidebar::-webkit-scrollbar-track{background:rgba(255,255,255,.05)}
.edu-sidebar::-webkit-scrollbar-thumb{background:rgba(200,146,42,.3);border-radius:3px}
.edu-sidebar::-webkit-scrollbar-thumb:hover{background:rgba(200,146,42,.5)}

/* Section labels (Fundamentals, Product Guides, etc.) */
.edu-nav-lbl{font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2);margin:1.25rem 0 .55rem;padding:0 .75rem;display:flex;align-items:center;gap:.5rem}
.edu-nav-lbl::before{content:'';width:16px;height:2px;background:var(--gold);border-radius:2px;flex-shrink:0}
.edu-nav-lbl:first-child{margin-top:0}
/* "All Articles" link - subtle header treatment */
.edu-nav-lbl[href]{color:#fff;font-size:.95rem;font-family:var(--serif);font-weight:400;letter-spacing:-.01em;text-transform:none;text-decoration:none;padding:.65rem .85rem;margin:0 0 1rem;border-radius:8px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);transition:all .15s}
.edu-nav-lbl[href]::before{display:none}
.edu-nav-lbl[href]:hover{background:rgba(200,146,42,.12);border-color:rgba(200,146,42,.3);color:var(--gold2)}

.edu-section-label{font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2);margin:1.25rem 0 .55rem;padding:0 .75rem;display:flex;align-items:center;gap:.5rem}
.edu-section-label::before{content:'';width:16px;height:2px;background:var(--gold);border-radius:2px;flex-shrink:0}

.edu-nav-group{margin-bottom:1.25rem}

/* Article links */
.edu-nav-item{display:flex;align-items:center;gap:.6rem;padding:.55rem .85rem;border-radius:8px;font-size:.85rem;color:rgba(255,255,255,.72);cursor:pointer;transition:all .15s;margin-bottom:.15rem;text-decoration:none;line-height:1.35;position:relative;font-weight:400}
.edu-nav-item:link,.edu-nav-item:visited{color:rgba(255,255,255,.72);text-decoration:none}
.edu-nav-item:hover{background:rgba(255,255,255,.06);color:#fff;transform:translateX(3px)}
.edu-nav-item.on,.edu-nav-item.active{background:var(--gold);color:#fff;font-weight:500;box-shadow:0 4px 12px rgba(200,146,42,.3)}
.edu-nav-item.on:hover,.edu-nav-item.active:hover{background:var(--gold2);transform:translateX(3px)}
/* Gold dot indicator before each article */
.edu-nav-item::before{content:'';width:4px;height:4px;background:rgba(200,146,42,.4);border-radius:50%;flex-shrink:0;transition:all .15s}
.edu-nav-item:hover::before{background:var(--gold2);transform:scale(1.3)}
.edu-nav-item.on::before,.edu-nav-item.active::before{background:#fff;width:5px;height:5px}

.edu-content{padding:3rem 3.5rem;max-width:800px;background:#f8f9fb}
.edu-article h2{font-family:var(--serif);font-size:2rem;color:var(--navy);font-weight:400;margin-bottom:.65rem;line-height:1.2}
.edu-article .lead{font-size:1rem;line-height:1.85;color:var(--gray);margin-bottom:1.75rem;padding-bottom:1.5rem;border-bottom:2px solid var(--gray4)}
.edu-article h3{font-family:var(--serif);font-size:1.3rem;color:var(--navy);font-weight:400;margin:1.75rem 0 .55rem}
.edu-article h4{font-size:.93rem;font-weight:600;color:var(--ink);margin:1.25rem 0 .4rem}
.edu-article p{font-size:.88rem;line-height:1.85;color:var(--gray);margin-bottom:.9rem}
.edu-article ul,.edu-article ol{margin:.5rem 0 1rem 1.25rem;display:flex;flex-direction:column;gap:.4rem}
.edu-article li{font-size:.88rem;line-height:1.7;color:var(--gray)}
.edu-callout{background:#e8edf5;border-left:4px solid var(--navy);border-radius:0 var(--r) var(--r) 0;padding:1rem 1.25rem;margin:1.5rem 0}
.edu-callout strong{color:var(--navy);display:block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.35rem}
.edu-callout p{font-size:.83rem;color:var(--navy2);margin:0}
.edu-warn{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:1rem 1.25rem;margin:1.5rem 0}
.edu-warn strong{color:var(--gold);display:block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.35rem}
.edu-warn p{font-size:.83rem;color:#5a3a00;margin:0}
.edu-table{width:100%;border-collapse:collapse;font-size:.82rem;margin:1.25rem 0}
.edu-table th{background:var(--navy);color:rgba(255,255,255,.8);padding:.6rem .9rem;text-align:left;font-weight:500;font-size:.73rem}
.edu-table td{padding:.65rem .9rem;border-bottom:1px solid var(--gray3)}
.edu-table tr:nth-child(even) td{background:var(--off)}

/* FAQ */
.faq-cat{margin-bottom:2.5rem}
.faq-cat-hdr{display:flex;align-items:center;gap:.75rem;margin-bottom:.75rem;padding-bottom:.75rem;border-bottom:2px solid var(--navy)}
.faq-cat-icon{width:34px;height:34px;background:var(--navy);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.9rem;color:var(--white)}
.faq-cat-title{font-family:var(--serif);font-size:1.2rem;color:var(--navy)}
.faq-item{border-bottom:1px solid var(--gray3)}
.faq-q{display:flex;justify-content:space-between;align-items:flex-start;padding:1.25rem 0;cursor:pointer;gap:1.5rem}
.faq-q-text{font-size:.93rem;font-weight:500;color:var(--ink);line-height:1.45;flex:1}
.faq-q:hover .faq-q-text{color:var(--navy)}
.faq-icon{width:24px;height:24px;border-radius:50%;background:var(--off);border:1.5px solid var(--gray3);display:flex;align-items:center;justify-content:center;font-size:1rem;color:var(--navy);flex-shrink:0}
.faq-a{display:none;padding:0 0 1.25rem;font-size:.86rem;color:var(--gray);line-height:1.8;max-width:720px}
.faq-a p{margin-bottom:.75rem}
.faq-a strong{color:var(--ink)}

/* CARRIERS */
.company-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.co-card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);overflow:hidden;transition:all .2s}
.co-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.co-top{padding:1rem 1.25rem;background:var(--off);border-bottom:1px solid var(--gray3);display:flex;align-items:center;justify-content:space-between}
.co-name{font-family:var(--serif);font-size:1.02rem;color:var(--navy)}
.co-rating{font-size:.65rem;font-weight:700;padding:.18rem .5rem;border-radius:3px}
.r-app{background:#dcfce7;color:#15803d}
.r-ap{background:#dcfce7;color:#15803d}
.r-a{background:#dbeafe;color:#1d4ed8}
.r-am{background:#fef9c3;color:#854d0e}
.co-body{padding:1.25rem}
.co-rate{font-size:.75rem;font-weight:600;color:var(--green);margin-bottom:.6rem}
.co-desc{font-size:.8rem;color:var(--gray);line-height:1.65;margin-bottom:.85rem}
.co-tags{display:flex;gap:.4rem;flex-wrap:wrap;margin-bottom:.85rem}
.co-tag{font-size:.6rem;font-weight:600;padding:.18rem .5rem;border-radius:3px;background:#e8edf5;color:var(--navy)}

/* COMPARE */
.comp-table{width:100%;border-collapse:collapse;font-size:.83rem}
.comp-table th{background:var(--navy);color:rgba(255,255,255,.7);padding:.8rem 1rem;text-align:left;font-size:.67rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.comp-table td{padding:.85rem 1rem;border-bottom:1px solid var(--gray3);vertical-align:middle;line-height:1.5}
.comp-table tr:hover td{background:var(--off)}
.comp-hl td{background:#e8edf5!important;font-weight:500}
.ck{color:var(--green);font-size:1rem;font-weight:700}
.cx{color:var(--red)}
.cp{color:var(--gold)}

/* HOW TO BUY */
.htb-step{display:flex;gap:1.75rem;padding:2rem 0;border-bottom:1px solid var(--gray3)}
.htb-step:last-child{border-bottom:none}
.htb-num{width:52px;height:52px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.4rem;flex-shrink:0}
.htb-content h3{font-family:var(--serif);font-size:1.12rem;color:var(--navy);margin-bottom:.5rem}
.htb-content p{font-size:.85rem;color:var(--gray);line-height:1.75}
.htb-tip{background:#e8edf5;border-radius:var(--r);padding:.75rem 1rem;font-size:.8rem;color:var(--navy2);line-height:1.6;margin-top:.75rem}
.htb-warn{background:#fff8e1;border-radius:var(--r);padding:.75rem 1rem;font-size:.8rem;color:#5a3a00;line-height:1.6;margin-top:.75rem}

/* GLOSSARY */
.gloss-grid{display:grid;grid-template-columns:1fr 1fr;gap:.85rem}
.gloss-card{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r);padding:1rem 1.1rem;transition:border-color .15s}
.gloss-card:hover{border-color:var(--navy)}
.gloss-term{font-size:.7rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.08em;margin-bottom:.3rem}
.gloss-def{font-size:.81rem;color:var(--gray);line-height:1.65}

/* ABOUT */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.pillar{background:var(--white);border:1px solid var(--gray3);border-radius:var(--r-lg);padding:1.25rem 1.4rem;border-left:4px solid var(--navy);margin-bottom:.85rem}
.pillar-title{font-size:.7rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.1em;margin-bottom:.4rem}
.pillar-text{font-size:.83rem;color:var(--gray);line-height:1.65}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.proc-step{text-align:center;padding:1.5rem 1rem}
.proc-num{width:44px;height:44px;background:#e8edf5;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.2rem;color:var(--navy);margin:0 auto .85rem}
.proc-title{font-size:.84rem;font-weight:600;color:var(--navy);margin-bottom:.35rem}
.proc-text{font-size:.77rem;color:var(--gray);line-height:1.6}

/* FOOTER */
.footer{background:var(--navy);padding:3.5rem 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:2.5rem}
.footer-logo{font-family:var(--serif);font-size:1.3rem;color:rgba(255,255,255,.6);margin-bottom:.75rem}
.footer-logo strong{color:var(--gold2)}
.footer-about{font-size:.77rem;color:rgba(255,255,255,.28);line-height:1.75;margin-bottom:1rem}
.footer-contact{font-size:.77rem;color:rgba(255,255,255,.35);line-height:1.9}
.footer-col-title{font-size:.6rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:.85rem}
.footer-link{display:block;font-size:.77rem;color:rgba(255,255,255,.3);margin-bottom:.4rem;cursor:pointer;transition:color .15s}
.footer-link:hover{color:rgba(255,255,255,.7)}
.footer-legal{font-size:.65rem;color:rgba(255,255,255,.18);line-height:1.65;border-top:1px solid rgba(255,255,255,.06);padding:1.5rem 0}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem;border-top:1px solid rgba(255,255,255,.06);padding:1rem 0;margin-top:.5rem}
.footer-btm-links{display:flex;gap:1.25rem}
.footer-btm-link{font-size:.67rem;color:rgba(255,255,255,.25);cursor:pointer}
.footer-btm-link:hover{color:rgba(255,255,255,.5)}
.footer-copy{font-size:.67rem;color:rgba(255,255,255,.18)}

/* LEGAL PAGES */
.legal-content{display:flex;flex-direction:column;gap:1.5rem;font-size:.85rem;color:var(--gray);line-height:1.8}
.legal-content strong{color:var(--ink);display:block;margin-bottom:.3rem}

/* STICKY MOBILE */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);padding:.85rem 1.25rem;box-shadow:0 -4px 20px rgba(0,0,0,.2);z-index:500}
.sticky-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.sticky-text{font-size:.82rem;color:rgba(255,255,255,.7)}
.sticky-text strong{color:var(--white);display:block}
.sticky-cta button{padding:.7rem 1.4rem;background:var(--gold);color:var(--white);border:none;border-radius:var(--r);font-family:var(--sans);font-size:.85rem;font-weight:600;cursor:pointer}

/* INLINE FAQ on home */
.faq-mini .faq-item{border-bottom:1px solid var(--gray3)}
.faq-mini .faq-q{padding:1rem 0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-mini .faq-q-text{font-size:.9rem;font-weight:500;color:var(--ink)}
.faq-mini .faq-a{display:none;padding:0 0 1rem;font-size:.85rem;color:var(--gray);line-height:1.8}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:2rem}
  .rate-card{max-width:460px;margin-bottom:0}
  .lead-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:900px){
  .nav-links{display:none}
  .products-grid,.sit-grid,.testi-grid,.company-grid,.about-grid{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr}
  .edu-layout{grid-template-columns:1fr}
  .edu-sidebar{display:none}
  .edu-content{padding:2rem 1.5rem}
  .calc-grid{grid-template-columns:1fr}
  .section{padding:3rem 0}
  .sticky-cta{display:flex}
}
@media(max-width:600px){
  .process-steps{grid-template-columns:repeat(2,1fr)}
  .gloss-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .container{padding:0 1.25rem}
  .lf-row{grid-template-columns:1fr}
  .hero h1{font-size:2.1rem}
  .cf-row{grid-template-columns:1fr}
}

/* ── QUIZ ── */
.quiz-opts { display:flex; flex-direction:column; gap:.65rem; }
.qopt {
  text-align:left; padding:.9rem 1.15rem;
  background:rgba(255,255,255,.07); border:1.5px solid rgba(255,255,255,.15);
  border-radius:10px; color:rgba(255,255,255,.8);
  font-family:var(--sans); font-size:.88rem; cursor:pointer;
  transition:all .15s; line-height:1.5;
}
.qopt:hover { background:rgba(200,146,42,.15); border-color:var(--gold2); color:#fff; }
.qopt.selected { background:rgba(200,146,42,.2); border-color:var(--gold2); color:#fff; }

/* ── COMPARE TABS ── */
.comp-tab {
  padding:.45rem 1rem; border:1.5px solid var(--gray3);
  background:#fff; border-radius:var(--r);
  font-family:var(--sans); font-size:.78rem; color:var(--gray);
  cursor:pointer; transition:all .15s;
}
.comp-tab:hover { border-color:var(--navy); color:var(--navy); }
.comp-tab.on { background:var(--navy); color:#fff; border-color:var(--navy); font-weight:500; }
.comp-panel { display:none; }


/* ── QUIZ SLIDE-IN TAB ── */
.quiz-tab-btn {
  position: fixed;
  right: -2px;
  top: 50%;
  transform: translateY(-50%) rotate(-90deg) translateX(50%);
  transform-origin: right center;
  background: var(--gold);
  color: #fff;
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: .55rem 1.1rem;
  border: none;
  border-radius: 8px 8px 0 0;
  cursor: pointer;
  z-index: 400;
  white-space: nowrap;
  box-shadow: -2px 0 12px rgba(0,0,0,.2);
  transition: background .2s;
}
.quiz-tab-btn:hover { background: var(--gold2); }

.quiz-drawer {
  position: fixed;
  right: -420px;
  top: 0;
  width: 420px;
  height: 100vh;
  background: var(--navy2);
  z-index: 500;
  overflow-y: auto;
  transition: right .35s cubic-bezier(.4,0,.2,1);
  box-shadow: -8px 0 40px rgba(0,0,0,.35);
  display: flex;
  flex-direction: column;
}
.quiz-drawer.open { right: 0; }
.quiz-drawer-hdr {
  background: var(--navy);
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-shrink: 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.quiz-drawer-title {
  font-family: var(--serif);
  font-size: 1.1rem;
  color: #fff;
  font-weight: 400;
}
.quiz-drawer-close {
  background: rgba(255,255,255,.1);
  border: none;
  color: rgba(255,255,255,.6);
  font-size: 1.1rem;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background .15s;
}
.quiz-drawer-close:hover { background: rgba(255,255,255,.2); color: #fff; }
.quiz-drawer-body { padding: 1.5rem; flex: 1; }
.quiz-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.45);
  z-index: 499;
}
.quiz-overlay.open { display: block; }
@media(max-width:480px){
  .quiz-drawer { width: 100vw; right: -100vw; }
  .quiz-tab-btn { font-size: .65rem; padding: .45rem .85rem; }
}

/* MULTI-PAGE NAV LINK STYLES */
.nav-links a { cursor: pointer; }
.nav-links a:link, .nav-links a:visited { color: var(--gray); text-decoration: none; }
.footer-link, .footer-btm-link { color: rgba(255,255,255,.28); text-decoration: none; }
.footer-link:visited, .footer-btm-link:visited { color: rgba(255,255,255,.28); }
.edu-nav-item a { color: inherit; text-decoration: none; display: block; }
.logo { cursor: pointer; display: inline-flex; align-items: center; }
.logo:link, .logo:visited { color: var(--navy); text-decoration: none; }
.logo:hover { opacity: 0.85; }
.logo:hover strong { color: var(--gold2); }


/* ── OLD QUIZ TAB HIDDEN — Replaced by /js/lead-quiz.js floating FAB ── */
.quiz-tab-btn, .quiz-drawer, .quiz-drawer-backdrop { display: none !important; }

/* ═══════════════════════════════════════════════════
   MOBILE NAVIGATION (hamburger + slide-out drawer)
   All styles below only activate at max-width:900px
   ═══════════════════════════════════════════════════ */

/* Hamburger button - hidden on desktop, visible on mobile */
.mnav-toggle {
  display: none;
  background: transparent;
  border: none;
  width: 44px;
  height: 44px;
  cursor: pointer;
  padding: 0;
  align-items: center;
  justify-content: center;
  margin-left: .5rem;
  border-radius: 8px;
  transition: background .15s;
}
.mnav-toggle:hover { background: var(--off); }
.mnav-toggle svg { width: 24px; height: 24px; color: var(--navy); }

/* Drawer (hidden by default on all screens) */
.mnav-drawer {
  display: none;
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(320px, 85vw);
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%);
  z-index: 10000;
  padding: 1.5rem 1.25rem 2rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform .28s ease;
  box-shadow: -8px 0 40px rgba(0,0,0,.3);
  box-sizing: border-box;
}
.mnav-drawer.open { transform: translateX(0); }

.mnav-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15,34,64,.55);
  backdrop-filter: blur(3px);
  z-index: 9999;
  opacity: 0;
  transition: opacity .28s ease;
}
.mnav-backdrop.open { opacity: 1; }

/* Drawer internals */
.mnav-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.75rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.mnav-logo {
  font-family: var(--serif);
  color: #fff;
  font-size: 1.1rem;
  text-decoration: none;
}
.mnav-logo strong { color: var(--gold2); }
.mnav-close {
  background: rgba(255,255,255,.1);
  border: none;
  color: #fff;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all .15s;
}
.mnav-close:hover { background: rgba(255,255,255,.2); transform: rotate(90deg); }

.mnav-links { display: flex; flex-direction: column; gap: .25rem; }
.mnav-links a {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: .85rem 1rem;
  color: rgba(255,255,255,.82);
  font-size: 1rem;
  font-weight: 500;
  text-decoration: none;
  border-radius: 10px;
  transition: all .15s;
  min-height: 44px;
  box-sizing: border-box;
}
.mnav-links a::before {
  content: '';
  width: 4px;
  height: 4px;
  background: rgba(200,146,42,.5);
  border-radius: 50%;
  flex-shrink: 0;
}
.mnav-links a:hover { background: rgba(255,255,255,.08); color: #fff; }
.mnav-links a.active { background: var(--gold); color: #fff; }
.mnav-links a.active::before { background: #fff; }

.mnav-divider {
  margin: 1.25rem 0 1rem;
  border-top: 1px solid rgba(255,255,255,.12);
}

.mnav-cta {
  display: flex;
  flex-direction: column;
  gap: .6rem;
  padding: 0 .5rem;
}
.mnav-phone {
  display: flex;
  align-items: center;
  gap: .5rem;
  color: rgba(255,255,255,.85);
  font-size: .95rem;
  font-weight: 500;
  text-decoration: none;
  padding: .65rem 0;
  min-height: 44px;
  box-sizing: border-box;
}
.mnav-phone:hover { color: var(--gold2); }
.mnav-quote {
  background: var(--gold);
  color: #fff;
  font-family: var(--sans);
  font-size: .95rem;
  font-weight: 600;
  padding: .85rem 1.25rem;
  border-radius: 10px;
  text-decoration: none;
  text-align: center;
  border: none;
  cursor: pointer;
  transition: all .15s;
  min-height: 44px;
  box-sizing: border-box;
  display: flex;
  align-items: center;
  justify-content: center;
}
.mnav-quote:hover { background: var(--gold2); }

/* ACTIVATE mobile nav only on narrow screens */
@media (max-width: 900px) {
  .mnav-toggle { display: inline-flex; }
  .mnav-drawer { display: block; }
  .mnav-backdrop { display: block; }

  /* On mobile, hide desktop phone number & Free Quote button in nav (moved into drawer) */
  .nav-phone { display: none; }
  .nav-inner .btn-gold.btn-nav,
  .nav-inner .btn-gold.btn-sm { display: none; }

  /* Prevent body scroll when drawer is open */
  body.mnav-open { overflow: hidden; }

  /* Trim topbar on narrow screens */
  .topbar { font-size: .68rem; padding: .45rem .75rem; line-height: 1.4; }
  .topbar a { white-space: nowrap; }
}

/* Extra-small screens: tighten topbar further */
@media (max-width: 480px) {
  .topbar { font-size: .65rem; }
}

/* ═══════════════════════════════════════════════════
   MOBILE ARTICLE NAVIGATOR
   Replaces the hidden navy sidebar on narrow screens
   with an in-article accordion at the bottom
   ═══════════════════════════════════════════════════ */

/* Back-to-Learn link at top of articles (shown only on mobile) */
.edu-mobile-back {
  display: none;
  padding: .85rem 1.5rem;
  background: var(--off);
  border-bottom: 1px solid var(--gray3);
  font-size: .82rem;
  font-weight: 500;
}
.edu-mobile-back a {
  color: var(--navy);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
}
.edu-mobile-back a:hover { color: var(--gold); }

/* Bottom accordion nav: shown only on mobile */
.edu-mobile-nav {
  display: none;
  margin-top: 3rem;
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy2) 100%);
  border-radius: 16px;
  padding: 1.25rem;
  color: #fff;
}
.edu-mobile-nav summary {
  cursor: pointer;
  list-style: none;
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 400;
  padding: .5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 44px;
}
.edu-mobile-nav summary::-webkit-details-marker { display: none; }
.edu-mobile-nav summary::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--gold2);
  font-weight: 300;
  transition: transform .2s;
}
.edu-mobile-nav[open] summary::after { transform: rotate(45deg); }
.edu-mobile-nav-lbl {
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold2);
  margin: 1rem 0 .5rem;
  padding: 0 .5rem;
  display: flex;
  align-items: center;
  gap: .5rem;
}
.edu-mobile-nav-lbl::before {
  content: '';
  width: 16px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}
.edu-mobile-nav a {
  display: flex;
  align-items: center;
  gap: .6rem;
  padding: .7rem .75rem;
  border-radius: 8px;
  font-size: .95rem;
  color: rgba(255,255,255,.82);
  text-decoration: none;
  margin-bottom: .15rem;
  line-height: 1.35;
  min-height: 44px;
  box-sizing: border-box;
  transition: all .15s;
}
.edu-mobile-nav a::before {
  content: '';
  width: 4px;
  height: 4px;
  background: rgba(200,146,42,.5);
  border-radius: 50%;
  flex-shrink: 0;
}
.edu-mobile-nav a:hover { background: rgba(255,255,255,.08); color: #fff; }
.edu-mobile-nav a.on { background: var(--gold); color: #fff; font-weight: 500; }
.edu-mobile-nav a.on::before { background: #fff; }

@media (max-width: 900px) {
  .edu-mobile-back { display: block; }
  .edu-mobile-nav { display: block; }
}

/* ═══════════════════════════════════════════════════
   MOBILE POLISH
   - Prevent iOS auto-zoom on input focus (font must be ≥ 16px)
   - Ensure tap targets meet 44px minimum
   - Prevent content overflow
   ═══════════════════════════════════════════════════ */

@media (max-width: 900px) {
  /* Prevent horizontal overflow anywhere */
  html, body { overflow-x: hidden; max-width: 100%; }

  /* Form inputs at 16px minimum to prevent iOS auto-zoom on focus */
  input[type="text"], input[type="email"], input[type="tel"],
  input[type="number"], input[type="search"], select, textarea {
    font-size: 16px !important;
  }

  /* Tap targets - ensure minimum 44px for all buttons and key links */
  button, .btn, .nav-phone, .cta-btn { min-height: 44px; }

  /* Prevent giant text getting cut off - ensure headings have word-break fallback */
  h1, h2, h3 { overflow-wrap: break-word; word-wrap: break-word; }

  /* Prevent tables from breaking layout */
  table { max-width: 100%; display: block; overflow-x: auto; white-space: nowrap; }

  /* Reduce section padding so more content fits on screen */
  .section { padding: 2.5rem 0; }
  .page-hdr { padding: 2rem 0 1.5rem; }

  /* Images should always scale down */
  img { max-width: 100%; height: auto; }
}

/* Very small screens (iPhone SE etc.) */
@media (max-width: 480px) {
  .container { padding: 0 1rem; }
  .container-sm { padding: 0 1rem; }
  h1 { font-size: clamp(1.65rem, 7vw, 2.25rem) !important; }
  h2 { font-size: clamp(1.35rem, 5.5vw, 1.85rem) !important; }
  .btn { padding: .75rem 1.25rem; font-size: .85rem; }
}