@font-face {
  font-family: "Playfair Display";
  src: url(../fonts/PlayfairDisplay-VariableFont_wght.ttf);
  font-display: swap;
}
:root {
  --clr-primary: #0b5e6b;
  --clr-primary-dark: #084b54;
  --clr-accent: #ef7b4a;
  --clr-neutral-100: #ffffff;
  --clr-neutral-200: #f3f6f8;
  --clr-neutral-300: #dce2e6;
  --clr-neutral-500: #7a8792;
  --clr-neutral-700: #3b444b;
  --clr-neutral-900: #1a1d20;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --max-width: 1280px;
  --section-gap: clamp(32px, 5vw, 64px);
  --card-radius: 10px;
  --btn-radius: 6px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  font-family: var(--font-body);
  color: var(--clr-neutral-700);
  background-color: var(--clr-neutral-100);
  line-height: 1.6;
}

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

a {
  text-decoration: none;
  color: inherit;
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

.site-header {
  background: var(--clr-neutral-100);
  box-shadow: 0 2px 8px rgba(0,0,0,0.04);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  gap: 24px;
  font-size: 0.95rem;
}

.logo a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--clr-primary);
}

.logo img {
  width: 50px;
  height: 50px;
  object-fit: contain;
}

.header-notice {
  font-size: 0.8rem;
  color: var(--clr-neutral-500);
  white-space: nowrap;
  margin-left: auto;
}

.main-nav {
  display: flex;
  align-items: center;
}

.nav-list {
  display: flex;
  list-style: none;
  gap: 24px;
}

.nav-list a {
  font-weight: 500;
  color: var(--clr-neutral-700);
  transition: color 0.2s;
}

.nav-list a:hover {
  color: var(--clr-primary);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.hamburger-line {
  width: 24px;
  height: 2px;
  background: var(--clr-neutral-700);
  border-radius: 2px;
}

.blog-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
  padding: var(--section-gap) 20px;
  align-items: start;
}

.blog-post {
  min-width: 0;
}

.hero-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: center;
  margin-bottom: var(--section-gap);
}

.hero-text h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--clr-neutral-900);
  line-height: 1.2;
  margin-bottom: 16px;
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--clr-neutral-500);
  margin-bottom: 24px;
}

.hero-image img {
  width: 100%;
  height: auto;
  border-radius: var(--card-radius);
  object-fit: cover;
}

.btn {
  display: inline-block;
  padding: 12px 28px;
  font-weight: 700;
  border-radius: var(--btn-radius);
  text-align: center;
  transition: background 0.2s, transform 0.1s;
  border: none;
  cursor: pointer;
}

.btn-primary {
  background: var(--clr-primary);
  color: var(--clr-neutral-100);
  border-bottom: 3px solid var(--clr-primary-dark);
}

.btn-primary:hover {
  background: var(--clr-primary-dark);
}

.btn-large {
  padding: 16px 36px;
  font-size: 1.1rem;
}

.author-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 32px;
}

.author-meta img {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
}

.author-meta p {
  font-size: 0.9rem;
  color: var(--clr-neutral-500);
}

.author-meta strong {
  color: var(--clr-neutral-700);
}

.intro-text p {
  font-size: 1.15rem;
  line-height: 1.7;
  margin-bottom: 24px;
}

.how-section h2,
.fund-selection h2,
.state-selection h2,
.testimonial-block h2,
.start-section h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  color: var(--clr-neutral-900);
  margin-bottom: 16px;
}

.how-steps {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: var(--section-gap);
}

.step {
  background: var(--clr-neutral-200);
  padding: 24px;
  border-radius: var(--card-radius);
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--clr-primary);
  color: var(--clr-neutral-100);
  border-radius: 50%;
  font-weight: 700;
  margin-bottom: 12px;
}

.fund-selection {
  margin-bottom: var(--section-gap);
}

.subtitle {
  color: var(--clr-neutral-500);
  margin-bottom: 20px;
}

.fund-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 16px;
}

.fund-btn {
  display: block;
  padding: 14px 12px;
  background: var(--clr-primary);
  color: var(--clr-neutral-100);
  text-align: center;
  font-weight: 700;
  border-radius: var(--btn-radius);
  border-bottom: 3px solid var(--clr-primary-dark);
  transition: background 0.2s;
}

.fund-btn:hover {
  background: var(--clr-primary-dark);
}

.fund-disclaimer {
  font-size: 0.85rem;
  color: var(--clr-neutral-500);
}

.deep-dive p {
  margin-bottom: 18px;
  font-size: 1.02rem;
  line-height: 1.7;
}

.state-selection {
  margin-bottom: var(--section-gap);
}

.state-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}

.state-btn {
  display: block;
  padding: 12px 8px;
  background: var(--clr-neutral-200);
  color: var(--clr-primary);
  text-align: center;
  font-weight: 700;
  border-radius: var(--btn-radius);
  border: 1px solid var(--clr-neutral-300);
  transition: background 0.2s, border-color 0.2s;
}

.state-btn:hover {
  background: var(--clr-primary);
  color: var(--clr-neutral-100);
  border-color: var(--clr-primary);
}

.testimonial-block {
  margin-bottom: var(--section-gap);
}

.testimonial-card {
  background: var(--clr-neutral-200);
  padding: 24px;
  border-radius: var(--card-radius);
  font-style: italic;
}

.testimonial-author {
  margin-top: 12px;
  font-weight: 700;
  font-style: normal;
}

.start-section {
  text-align: center;
  margin-bottom: var(--section-gap);
}

.disclaimer-section {
  font-size: 0.85rem;
  color: var(--clr-neutral-500);
  border-top: 1px solid var(--clr-neutral-300);
  padding-top: 24px;
}

.sidebar {
  position: sticky;
  top: 90px;
  align-self: start;
}

.sticky-cta {
  background: var(--clr-primary);
  color: var(--clr-neutral-100);
  padding: 28px 20px;
  border-radius: var(--card-radius);
}

.sidebar-card {
  background: var(--clr-neutral-100);
  color: var(--clr-primary);
  padding: 16px;
  border-radius: 6px;
  margin-bottom: 20px;
  text-align: center;
  font-size: 0.9rem;
}

.sidebar-title {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  margin-bottom: 8px;
  text-align: center;
}

.sidebar-subtitle {
  text-align: center;
  font-size: 0.85rem;
  margin-bottom: 20px;
  opacity: 0.9;
}

.age-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-bottom: 20px;
}

.age-btn {
  display: block;
  padding: 8px 4px;
  background: rgba(255,255,255,0.15);
  color: var(--clr-neutral-100);
  text-align: center;
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 4px;
  transition: background 0.2s;
}

.age-btn:hover {
  background: rgba(255,255,255,0.3);
}

.sidebar-note {
  font-size: 0.75rem;
  opacity: 0.8;
  margin-top: 8px;
}

.site-footer {
  background: var(--clr-neutral-200);
  padding: 48px 20px 24px;
  margin-top: auto;
  font-size: 0.95rem;
  color: var(--clr-neutral-700);
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  align-items: start;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--clr-primary);
}

.footer-logo img {
  width: 50px;
  height: 50px;
  object-fit: contain;
}

.footer-links a {
  display: block;
  margin-bottom: 8px;
  color: var(--clr-neutral-700);
  transition: color 0.2s;
}

.footer-links a:hover {
  color: var(--clr-primary);
}

.footer-contact p {
  margin-bottom: 4px;
}

.partner-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 12px;
}

.partner-logos img {
  height: 36px;
  width: auto;
  object-fit: contain;
}

.footer-disclaimer {
  grid-column: 1 / -1;
  border-top: 1px solid var(--clr-neutral-300);
  padding-top: 16px;
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--clr-neutral-500);
}

@media (max-width: 900px) {
  .header-notice {
    display: none;
  }

  .nav-list {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .nav-list.active {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--clr-neutral-100);
    box-shadow: 0 8px 20px rgba(0,0,0,0.08);
    padding: 20px;
    gap: 16px;
  }

  .blog-layout {
    grid-template-columns: 1fr;
  }

  .hero-section {
    grid-template-columns: 1fr;
  }

  .hero-image {
    order: -1;
  }

  .fund-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .state-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .how-steps {
    grid-template-columns: 1fr;
  }

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

  .age-grid {
    grid-template-columns: repeat(5, 1fr);
  }
}

@media (max-width: 500px) {
  .fund-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

  .age-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.legal-content {
  max-width: 800px;
  margin: 0 auto;
}

.legal-content h1 {
  font-family: var(--font-heading);
  font-size: 2rem;
  line-height: 1.3;
  color: var(--clr-neutral-900);
  margin-bottom: 1.2rem;
}

.legal-content h2 {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  line-height: 1.3;
  color: var(--clr-neutral-900);
  margin: 1.8rem 0 1rem;
}

.legal-content h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  line-height: 1.3;
  color: var(--clr-neutral-900);
  margin: 1.5rem 0 0.8rem;
}

.legal-content p {
  font-size: 1rem;
  line-height: 1.6;
  color: #333;
  margin-bottom: 1.2rem;
}

.legal-content ul,
.legal-content ol {
  margin: 1rem 0;
  padding-left: 1.5rem;
  color: #333;
}

.legal-content li {
  margin-bottom: 0.4rem;
}

.legal-content a {
  color: var(--clr-primary);
  text-decoration: underline;
}
.legal-content {
  padding: 30px 0;
  word-break: break-word;
}
.legal-content a:hover {
  color: var(--clr-primary-dark);
}

.legal-content b,
.legal-content strong {
  font-weight: 700;
  color: var(--clr-neutral-900);
}

@media (max-width: 600px) {
  .legal-content h1 {
    font-size: 1.7rem;
  }
  .legal-content h2 {
    font-size: 1.5rem;
  }
  .legal-content h3 {
    font-size: 1.25rem;
  }
}


.stats-section {
  margin-bottom: var(--section-gap);
}

.stats-section h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  color: var(--clr-neutral-900);
  margin-bottom: 24px;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}

.stat-card {
  background: linear-gradient(135deg, var(--clr-primary) 0%, #0d7a8a 100%);
  padding: 24px 18px;
  border-radius: var(--card-radius);
  text-align: center;
  color: var(--clr-neutral-100);
}

.stat-number {
  display: block;
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  margin-bottom: 6px;
}

.stat-card p {
  font-size: 0.9rem;
  opacity: 0.9;
  line-height: 1.4;
}

.stats-image img {
  width: 100%;
  height: auto;
  border-radius: var(--card-radius);
  object-fit: cover;
  aspect-ratio: 16/9;
}


.deep-dive {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
  margin-bottom: var(--section-gap);
}

.deep-dive-content p {
  margin-bottom: 18px;
  font-size: 1.02rem;
  line-height: 1.7;
}

.deep-dive-image img {
  width: 100%;
  height: auto;
  border-radius: var(--card-radius);
  object-fit: cover;
  aspect-ratio: 3/4;
}


.insight-box {
  background: var(--clr-neutral-200);
  border-left: 4px solid var(--clr-accent);
  padding: 24px 28px;
  border-radius: 0 var(--card-radius) var(--card-radius) 0;
  margin-bottom: var(--section-gap);
}

.insight-box h2 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--clr-neutral-900);
  margin-bottom: 10px;
}

.insight-box p {
  font-size: 1.02rem;
  line-height: 1.7;
  color: var(--clr-neutral-700);
}


.testimonial-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: var(--section-gap);
}

.testimonial-card {
  background: var(--clr-neutral-200);
  padding: 24px;
  border-radius: var(--card-radius);
  font-style: italic;
}

.testimonial-author {
  margin-top: 12px;
  font-weight: 700;
  font-style: normal;
  color: var(--clr-primary);
}


.faq-section {
  margin-bottom: var(--section-gap);
}

.faq-section h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  color: var(--clr-neutral-900);
  margin-bottom: 24px;
}

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.faq-item {
  background: var(--clr-neutral-100);
  border: 1px solid var(--clr-neutral-300);
  padding: 22px 24px;
  border-radius: var(--card-radius);
}

.faq-item h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--clr-primary);
  margin-bottom: 8px;
  line-height: 1.4;
}

.faq-item p {
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--clr-neutral-700);
}


@media (max-width: 900px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .deep-dive {
    grid-template-columns: 1fr;
  }

  .deep-dive-image {
    order: -1;
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .faq-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 500px) {
  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }

  .stat-number {
    font-size: 1.5rem;
  }

  .insight-box {
    padding: 18px 16px;
  }
}