/* ===================================================
   RentCreditIreland.ie — Main Stylesheet
   DDP v1.0 — adapted from IrishBenefits.ie
   =================================================== */

:root {
    --green:        #1a5c36;
    --green-dark:   #133d25;
    --green-light:  #eef6f1;
    --gold:         #c9a84c;
    --gold-hover:   #b8962e;
    --text:         #1c1c1c;
    --text-muted:   #5a6577;
    --border:       #d4e3d9;
    --bg:           #f8faf9;
    --white:        #ffffff;
    --shadow:       0 2px 12px rgba(26,92,54,.08);
    --font:         'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --radius:       10px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--bg); line-height: 1.65; -webkit-font-smoothing: antialiased; }
a { color: var(--green); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }
ul, ol { padding-left: 1.4em; }
p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

/* ── Layout ── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.content-wrap { max-width: 760px; }
.section--cream { background: #f4f8f5; }
.section--green { background: var(--green); }

/* ── Header ── */
.ib-header {
    background: var(--white);
    border-bottom: 2px solid var(--green);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 1px 8px rgba(0,0,0,.06);
}
.ib-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 60px;
    gap: 24px;
}
.ib-logo {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--green);
    white-space: nowrap;
    letter-spacing: -.3px;
}
.ib-logo span { color: var(--gold); }
.ib-logo:hover { text-decoration: none; }
.ib-nav { display: flex; gap: 4px; align-items: center; }
.ib-nav a {
    font-size: .85rem;
    font-weight: 600;
    color: var(--text);
    padding: 6px 12px;
    border-radius: 6px;
    white-space: nowrap;
    transition: background .15s, color .15s;
}
.ib-nav a:hover { background: var(--green-light); color: var(--green); text-decoration: none; }
.ib-hamburger { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.ib-hamburger span { display: block; width: 22px; height: 2px; background: var(--text); margin: 4px 0; border-radius: 2px; transition: .2s; }

/* ── Hero ── */
.ib-hero {
    background: var(--green);
    padding: 56px 0 48px;
    position: relative;
    overflow: hidden;
}
.ib-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(19,61,37,.4) 0%, transparent 60%);
    pointer-events: none;
}
.ib-hero .container { position: relative; z-index: 1; }
.ib-breadcrumb {
    font-size: .78rem;
    color: rgba(255,255,255,.65);
    margin-bottom: 14px;
    display: flex;
    gap: 6px;
    align-items: center;
    flex-wrap: wrap;
}
.ib-breadcrumb a { color: rgba(255,255,255,.75); }
.ib-breadcrumb a:hover { color: #fff; text-decoration: none; }
.ib-breadcrumb .sep { opacity: .5; }
.ib-eyebrow {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #90d4a8;
    margin-bottom: 10px;
}
.ib-hero h1 {
    font-size: clamp(24px, 4vw, 42px);
    font-weight: 800;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 16px;
    max-width: 680px;
    letter-spacing: -.5px;
}
.ib-hero-desc {
    font-size: 1.05rem;
    color: rgba(255,255,255,.85);
    max-width: 600px;
    line-height: 1.7;
    margin-bottom: 28px;
}
.ib-hero-meta {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    font-size: .8rem;
    color: rgba(255,255,255,.6);
}
.ib-hero-meta strong { color: rgba(255,255,255,.85); font-weight: 600; }

/* ── Key Facts Panel ── */
.ib-facts-panel {
    background: var(--white);
    border: 2px solid var(--green);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 32px;
}
.ib-facts-panel h3 {
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--green);
    margin-bottom: 16px;
    padding-bottom: 10px;
    border-bottom: 1px solid var(--border);
}
.ib-facts-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    gap: 16px;
}
.ib-fact-item { display: flex; flex-direction: column; gap: 3px; }
.ib-fact-label { font-size: .75rem; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: .05em; }
.ib-fact-value { font-size: 1.05rem; font-weight: 700; color: var(--green); }
.ib-fact-note { font-size: .78rem; color: var(--text-muted); }

/* ── Content sections ── */
.ib-section { padding: 40px 0; }
.ib-section + .ib-section { padding-top: 0; }
.ib-section h2 {
    font-size: clamp(20px, 2.8vw, 28px);
    font-weight: 800;
    color: var(--green);
    margin-bottom: 20px;
    letter-spacing: -.3px;
    line-height: 1.3;
}
.ib-section h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 8px;
    margin-top: 24px;
}
.ib-section p { font-size: 1rem; color: var(--text); line-height: 1.75; }

/* ── Checklist ── */
.ib-checklist { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.ib-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 1rem;
    line-height: 1.6;
    color: var(--text);
}
.ib-checklist li::before {
    content: "✓";
    color: var(--green);
    font-weight: 800;
    flex-shrink: 0;
    margin-top: 2px;
    background: var(--green-light);
    width: 22px;
    height: 22px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .75rem;
}

/* ── Step list ── */
.ib-steps { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 20px; counter-reset: steps; }
.ib-steps li {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    counter-increment: steps;
}
.ib-steps li::before {
    content: counter(steps);
    background: var(--green);
    color: #fff;
    font-weight: 700;
    font-size: .85rem;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
}
.ib-step-content { flex: 1; }
.ib-step-content strong { display: block; margin-bottom: 4px; font-size: 1rem; }
.ib-step-content p { font-size: .9rem; color: var(--text-muted); margin: 0; }

/* ── Alert boxes ── */
.ib-alert {
    border-radius: 8px;
    padding: 16px 20px;
    font-size: .92rem;
    line-height: 1.6;
    display: flex;
    gap: 12px;
    align-items: flex-start;
}
.ib-alert--info  { background: #e8f4fd; border-left: 4px solid #2196f3; color: #0d3c61; }
.ib-alert--warn  { background: #fff8e1; border-left: 4px solid #ffc107; color: #5c4000; }
.ib-alert--green { background: var(--green-light); border-left: 4px solid var(--green); color: var(--green-dark); }
.ib-alert-icon { flex-shrink: 0; font-size: 1rem; margin-top: 1px; }

/* ── FAQ ── */
.ib-faq-list { display: flex; flex-direction: column; gap: 10px; max-width: 740px; }
.ib-faq-item { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: var(--white); }
.ib-faq-item[open] { border-color: var(--green); box-shadow: var(--shadow); }
.ib-faq-q {
    cursor: pointer;
    font-weight: 600;
    font-size: .97rem;
    color: var(--text);
    padding: 16px 20px;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
}
.ib-faq-q::-webkit-details-marker { display: none; }
.ib-faq-q::after { content: "+"; font-size: 1.3rem; font-weight: 300; color: var(--green); flex-shrink: 0; transition: transform .2s; }
.ib-faq-item[open] .ib-faq-q::after { content: "−"; }
.ib-faq-item[open] .ib-faq-q { color: var(--green); }
.ib-faq-a { padding: 0 20px 16px; font-size: .93rem; color: var(--text); line-height: 1.75; }
.ib-faq-a p:last-child { margin: 0; }

/* ── AdSense slot ── */
.ib-ad-slot {
    background: #f4f8f5;
    padding: 14px 0;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    min-height: 110px;
}
.ib-ad-unit { display: block; width: 100%; }

/* ── Buttons ── */
.ib-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 700;
    font-size: .9rem;
    transition: transform .15s, box-shadow .15s;
    text-decoration: none;
    cursor: pointer;
    border: none;
}
.ib-btn:hover { transform: translateY(-1px); box-shadow: 0 4px 14px rgba(0,0,0,.15); text-decoration: none; }
.ib-btn--green { background: var(--green); color: #fff; }
.ib-btn--white { background: #fff; color: var(--green); }
.ib-btn--gold  { background: var(--gold); color: #fff; }

/* ── Related links grid ── */
.ib-links-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
    gap: 14px;
}
.ib-link-card {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 18px 16px;
    text-decoration: none;
    transition: border-color .2s, box-shadow .2s, transform .15s;
}
.ib-link-card:hover {
    border-color: var(--green);
    box-shadow: var(--shadow);
    transform: translateY(-2px);
    text-decoration: none;
}
.ib-link-title { font-weight: 700; color: var(--green); font-size: .95rem; line-height: 1.4; }
.ib-link-desc  { font-size: .8rem; color: var(--text-muted); line-height: 1.5; }

/* ── Table ── */
.ib-table-wrap { overflow-x: auto; margin: 24px 0; border-radius: var(--radius); border: 1px solid var(--border); }
.ib-table { width: 100%; border-collapse: collapse; font-size: .93rem; }
.ib-table th { background: var(--green); color: #fff; padding: 12px 16px; text-align: left; font-weight: 600; font-size: .85rem; }
.ib-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); vertical-align: top; }
.ib-table tr:last-child td { border-bottom: none; }
.ib-table tr:nth-child(even) td { background: var(--green-light); }

/* ── Footer ── */
.ib-footer {
    background: var(--green-dark);
    color: rgba(255,255,255,.75);
    padding: 48px 0 32px;
    margin-top: 60px;
}
.ib-footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,.15);
}
.ib-footer-brand .ib-logo { color: #fff; font-size: 1.1rem; margin-bottom: 12px; display: block; }
.ib-footer-brand p { font-size: .85rem; line-height: 1.7; margin-bottom: 16px; max-width: 280px; }
.ib-footer-col h4 { color: #fff; font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 14px; }
.ib-footer-col ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.ib-footer-col ul a { font-size: .85rem; color: rgba(255,255,255,.7); transition: color .15s; }
.ib-footer-col ul a:hover { color: #fff; text-decoration: none; }
.ib-footer-bottom {
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: .78rem;
}
.ib-footer-disclaimer { font-size: .75rem; color: rgba(255,255,255,.45); max-width: 680px; margin-top: 8px; line-height: 1.6; }

/* ── Author Box ── */
.ib-author-box { background: var(--green-light); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 14px 0; }
.ib-author-inner { display: flex; align-items: flex-start; gap: 14px; }
.ib-author-avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--green); color: #fff; display: flex; align-items: center; justify-content: center; font-size: .85rem; font-weight: 700; flex-shrink: 0; letter-spacing: .04em; }
.ib-author-content { flex: 1; min-width: 0; }
.ib-author-label  { font-size: .7rem; text-transform: uppercase; letter-spacing: .07em; color: var(--text-muted); margin: 0 0 2px; }
.ib-author-name   { font-size: .95rem; font-weight: 700; color: var(--green); margin: 0 0 1px; }
.ib-author-role   { font-size: .8rem; color: var(--text-muted); margin: 0 0 4px; }
.ib-author-bio    { font-size: .82rem; color: var(--text); margin: 0 0 4px; line-height: 1.5; }
.ib-author-reviewed { font-size: .76rem; color: var(--text-muted); margin: 0; }
.ib-author-reviewed a { color: var(--green); text-decoration: underline; }

/* ── Cookie Consent Banner ── */
.ib-cookie-banner { position: fixed; bottom: 0; left: 0; right: 0; background: #fff; border-top: 2px solid var(--green); box-shadow: 0 -4px 20px rgba(0,0,0,.1); z-index: 9999; padding: 16px 20px; }
.ib-cookie-inner  { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.ib-cookie-text   { font-size: .85rem; color: var(--text); margin: 0; flex: 1; min-width: 200px; }
.ib-cookie-text a { color: var(--green); text-decoration: underline; }
.ib-cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }
.ib-cookie-btn    { padding: 9px 20px; border-radius: var(--radius); font-size: .85rem; font-weight: 600; cursor: pointer; border: 2px solid var(--green); transition: background .15s, color .15s; white-space: nowrap; }
.ib-cookie-accept { background: var(--green); color: #fff; }
.ib-cookie-accept:hover { background: var(--green-dark); border-color: var(--green-dark); }
.ib-cookie-reject { background: transparent; color: var(--green); }
.ib-cookie-reject:hover { background: var(--green-light); }

/* ── D'Emilia CTA ── */
.ib-demilia-label {
    display: block;
    font-size: .68rem;
    font-weight: 800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin: 0 0 10px;
}
.ib-demilia-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 20px; }
.ib-demilia-btn {
    display: inline-block;
    font-size: .83rem;
    font-weight: 700;
    padding: 10px 18px;
    border-radius: 8px;
    text-decoration: none;
    white-space: nowrap;
    transition: all .15s;
}
.ib-demilia-btn:hover { text-decoration: none; }
.ib-demilia-btn--wa { background: #25D366; color: #fff; }
.ib-demilia-btn--wa:hover { background: #1DAF5A; color: #fff; }

/* Tier 1 — full-width dark band */
.ib-demilia-cta--t1 {
    background: var(--green-dark);
    padding: 36px 0;
    border-top: 1px solid rgba(201,168,76,.2);
    border-bottom: 1px solid rgba(201,168,76,.2);
}
.ib-demilia-cta--t1 .ib-demilia-label { color: var(--gold); }
.ib-demilia-cta--t1 h3 { font-size: 1.15rem; font-weight: 700; color: #fff; margin: 0 0 10px; line-height: 1.3; }
.ib-demilia-cta--t1 p  { font-size: .9rem; color: rgba(255,255,255,.82); margin: 0; line-height: 1.65; max-width: 600px; }
.ib-demilia-cta--t1 .ib-demilia-btn--web { background: transparent; border: 1.5px solid rgba(255,255,255,.38); color: rgba(255,255,255,.82); }
.ib-demilia-cta--t1 .ib-demilia-btn--web:hover { border-color: rgba(255,255,255,.75); color: #fff; }

/* Tier 2 — inline card */
.ib-demilia-cta--t2-outer { padding: 8px 0 16px; }
.ib-demilia-cta--t2 {
    background: #fff;
    border: 1px solid #d4e3d9;
    border-top: 3px solid var(--green-dark);
    border-radius: var(--radius);
    padding: 20px 22px 22px;
    box-shadow: 0 2px 10px rgba(26,92,54,.07);
}
.ib-demilia-cta--t2 .ib-demilia-label { color: var(--green-dark); }
.ib-demilia-cta--t2 p { font-size: .89rem; color: var(--text); margin: 0; line-height: 1.65; }
.ib-demilia-cta--t2 .ib-demilia-btn--web { background: transparent; border: 1.5px solid var(--green-dark); color: var(--green-dark); }
.ib-demilia-cta--t2 .ib-demilia-btn--web:hover { background: var(--green-dark); color: #fff; }

/* ── Legal pages ── */
.ib-hero--legal { padding: 36px 0 28px; }
.ib-legal-updated { font-size: .8rem; color: rgba(255,255,255,.7); margin-top: 10px; }
.ib-legal-toc { background: var(--green-light); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 26px; margin-bottom: 36px; }
.ib-legal-toc h3 { font-size: .85rem; text-transform: uppercase; letter-spacing: .06em; color: var(--green); margin-bottom: 10px; }
.ib-legal-toc ol { margin: 0 0 0 18px; }
.ib-legal-toc li { margin-bottom: 5px; font-size: .9rem; }
.ib-legal-toc a  { color: var(--green); text-decoration: underline; text-underline-offset: 2px; }
.ib-legal-section { margin-bottom: 36px; padding-bottom: 36px; border-bottom: 1px solid var(--border); }
.ib-legal-section:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.ib-legal-section h2 { font-size: clamp(1.1rem,2.2vw,1.3rem); color: var(--green); margin-bottom: 14px; scroll-margin-top: 80px; }
.ib-legal-section h3 { font-size: 1rem; font-weight: 600; color: var(--text); margin: 20px 0 10px; }
.ib-legal-section p  { margin-bottom: 12px; }
.ib-legal-section ul, .ib-legal-section ol { margin: 0 0 12px 22px; line-height: 1.85; }
.ib-contact-box   { background: var(--green-light); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px 28px; }
.ib-contact-box h3 { color: var(--green); font-size: 1rem; margin-bottom: 10px; }
.ib-contact-email { display: inline-block; font-size: 1.05rem; font-weight: 700; color: var(--green); text-decoration: none; border-bottom: 2px solid var(--green); padding-bottom: 1px; }

/* ── Calculator ── */
.rci-calc-wrap {
    background: var(--white);
    border: 2px solid var(--green);
    border-radius: var(--radius);
    padding: 28px 32px;
    max-width: 520px;
    margin: 24px 0;
}
.rci-calc-wrap h3 { font-size: 1rem; font-weight: 700; color: var(--green); margin-bottom: 20px; }
.rci-calc-field { margin-bottom: 18px; }
.rci-calc-field label { display: block; font-size: .85rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.rci-calc-field input,
.rci-calc-field select {
    width: 100%;
    padding: 10px 14px;
    border: 1.5px solid var(--border);
    border-radius: 6px;
    font-size: 1rem;
    font-family: var(--font);
    color: var(--text);
    background: var(--white);
    transition: border-color .15s;
}
.rci-calc-field input:focus,
.rci-calc-field select:focus { outline: none; border-color: var(--green); }
.rci-calc-submit {
    background: var(--green);
    color: #fff;
    font-weight: 700;
    font-size: .9rem;
    padding: 11px 24px;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    font-family: var(--font);
    transition: background .15s;
}
.rci-calc-submit:hover { background: var(--green-dark); }
.rci-calc-result {
    margin-top: 20px;
    padding: 20px;
    background: var(--green-light);
    border: 1px solid var(--border);
    border-radius: 8px;
}
.rci-calc-result-amount { font-size: 2rem; font-weight: 900; color: var(--green); line-height: 1; }
.rci-calc-result-label  { font-size: .75rem; text-transform: uppercase; letter-spacing: .06em; color: var(--text-muted); margin: 4px 0 10px; }
.rci-calc-result-note   { font-size: .82rem; color: var(--text-muted); line-height: 1.5; }
.rci-calc-disclaimer    { font-size: .75rem; color: var(--text-muted); margin-top: 14px; line-height: 1.5; padding-top: 12px; border-top: 1px solid var(--border); }

/* ── Homepage hero ── */
.hp-hero {
    background: linear-gradient(150deg, #0e3a20 0%, var(--green) 55%, #22723f 100%);
    padding: 52px 0 60px;
    position: relative;
    overflow: hidden;
}
.hp-hero-watermark {
    position: absolute; right: -40px; top: -60px;
    font-size: 440px; font-weight: 900;
    color: rgba(255,255,255,.04);
    line-height: 1; pointer-events: none; user-select: none;
}
.hp-badge {
    display: inline-block;
    background: rgba(255,255,255,.13);
    color: rgba(255,255,255,.88);
    font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
    padding: 5px 14px; border-radius: 100px; border: 1px solid rgba(255,255,255,.18);
    margin-bottom: 20px;
}
.hp-hero h1 {
    font-size: clamp(32px, 5.5vw, 56px);
    font-weight: 900; color: #fff; line-height: 1.1; letter-spacing: -.5px;
    margin-bottom: 18px; max-width: 640px;
}
.hp-hero h1 em { font-style: normal; color: #90d4a8; }
.hp-hero-sub { font-size: 1.05rem; color: rgba(255,255,255,.78); max-width: 500px; line-height: 1.7; margin: 0; }
.hp-cta-btn {
    display: inline-flex; align-items: center; gap: 10px;
    background: var(--gold); color: #fff; font-weight: 800; font-size: 1rem;
    padding: 14px 28px; border-radius: 8px; text-decoration: none;
    transition: background .18s, transform .18s, box-shadow .18s;
    box-shadow: 0 4px 20px rgba(0,0,0,.18); margin-top: 28px;
}
.hp-cta-btn:hover { background: var(--gold-hover); text-decoration: none; transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,.22); }
.hp-hero-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-top: 48px; }
.hp-stat { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.13); border-radius: 10px; padding: 18px 20px; }
.hp-stat-num   { font-size: 1.7rem; font-weight: 900; color: #fff; line-height: 1; letter-spacing: -.3px; }
.hp-stat-label { font-size: .7rem; color: rgba(255,255,255,.55); margin-top: 5px; line-height: 1.35; }

/* Section headers */
.hp-section-header { margin-bottom: 28px; }
.hp-section-header h2 { font-size: clamp(22px, 3vw, 32px); font-weight: 900; color: var(--text); letter-spacing: -.4px; margin-bottom: 6px; }
.hp-section-header p  { font-size: .92rem; color: var(--text-muted); margin: 0; }

/* Guide grid */
.hp-browse { padding: 48px 0 40px; }
.hp-grid   { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.hp-card {
    background: var(--white); border: 1px solid var(--border); border-radius: 12px;
    padding: 20px 20px 18px; display: flex; flex-direction: column; gap: 5px;
    text-decoration: none; transition: transform .18s, box-shadow .18s;
    position: relative; overflow: hidden;
}
.hp-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--green); }
.hp-card--gold::before   { background: var(--gold); }
.hp-card--teal::before   { background: #00897b; }
.hp-card--blue::before   { background: #1565c0; }
.hp-card--red::before    { background: #c0392b; }
.hp-card--purple::before { background: #6c3483; }
.hp-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,.09); text-decoration: none; }
.hp-card-top   { display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px; }
.hp-card-icon  { font-size: 1.6rem; line-height: 1; }
.hp-card-badge { font-size: .68rem; font-weight: 700; color: var(--text-muted); background: var(--bg); padding: 3px 9px; border-radius: 100px; border: 1px solid var(--border); }
.hp-card-name  { font-size: 1rem; font-weight: 800; color: var(--text); line-height: 1.2; }
.hp-card-rate  { font-size: .92rem; font-weight: 700; color: var(--green); margin-top: 1px; }
.hp-card--gold .hp-card-rate { color: var(--gold); }
.hp-card-desc  { font-size: .8rem; color: var(--text-muted); line-height: 1.55; flex: 1; margin-top: 3px; }
.hp-card-cta   { font-size: .78rem; font-weight: 700; color: var(--green); margin-top: 12px; }
.hp-card--gold .hp-card-cta { color: var(--gold); }

/* ── Responsive ── */
@media (max-width: 900px) {
    .ib-footer-grid { grid-template-columns: 1fr 1fr; }
    .hp-grid { grid-template-columns: repeat(2, 1fr); }
    .hp-hero-stats { grid-template-columns: repeat(2, 1fr); gap: 10px; }
}
@media (max-width: 680px) {
    .ib-nav { display: none; }
    .ib-nav.open { display: flex; flex-direction: column; position: absolute; top: 60px; left: 0; right: 0; background: #fff; border-bottom: 2px solid var(--green); padding: 12px; gap: 4px; z-index: 99; box-shadow: 0 4px 20px rgba(0,0,0,.1); }
    .ib-hamburger { display: block; }
    .ib-hero { padding: 40px 0 36px; }
    .ib-hero h1 { font-size: clamp(22px, 7vw, 32px); }
    .ib-section { padding: 30px 0; }
    .ib-footer-grid { grid-template-columns: 1fr; gap: 28px; }
    .ib-facts-grid { grid-template-columns: 1fr 1fr; }
    .ib-links-grid { grid-template-columns: 1fr; }
    .hp-hero { padding: 36px 0 44px; }
    .hp-hero h1 { font-size: clamp(28px, 8vw, 40px); }
    .hp-hero-stats { margin-top: 32px; gap: 8px; }
    .hp-stat { padding: 14px 16px; }
    .hp-stat-num { font-size: 1.4rem; }
    .hp-browse { padding: 32px 0 28px; }
    .hp-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
    .hp-card { padding: 16px 16px 14px; }
    .ib-demilia-cta--t1 { padding: 24px 0; }
    .ib-demilia-actions { flex-direction: column; }
    .ib-demilia-btn { text-align: center; }
    .rci-calc-wrap { padding: 20px; }
}
@media (max-width: 400px) {
    .hp-grid { grid-template-columns: 1fr; }
    .hp-hero-stats { grid-template-columns: 1fr 1fr; }
    .ib-facts-grid { grid-template-columns: 1fr; }
}
@media (max-width: 500px) {
    .ib-author-bio { display: none; }
    .ib-author-avatar { width: 38px; height: 38px; font-size: .78rem; }
    .ib-cookie-inner { flex-direction: column; align-items: stretch; }
    .ib-cookie-actions { justify-content: stretch; }
    .ib-cookie-btn { flex: 1; text-align: center; }
    .ib-cookie-actions { flex-direction: column; }
}