/* === Clean/Light Template — Modern American Academic === */
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Instrument Sans',Inter,Arial,sans-serif;background:#fff;color:#1a1a2e;line-height:1.65}
a{color:#0b7d88;text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}

/* Header */
.cl-header{background:#fff;border-bottom:1px solid #e8e8e8;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.06)}
.cl-header__inner{max-width:1400px;margin:0 auto;display:flex;align-items:center;gap:32px;padding:14px 24px}
.cl-logo{display:flex;flex-direction:column;flex-shrink:0}
.cl-logo__main{font-family:'Instrument Serif',Georgia,serif;font-size:1.3rem;color:#0D132D;line-height:1.1;font-weight:400}
.cl-logo__sub{font-size:.75rem;color:#24404a;margin-top:2px}
.cl-logo:hover{text-decoration:none}
.cl-nav{display:flex;gap:0;margin-left:auto}
.cl-nav a{display:inline-flex;align-items:center;padding:8px 14px;color:#24404a;font-size:.85rem;font-weight:600;border-radius:6px;transition:.15s}
.cl-nav a:hover,.cl-nav a.active{background:#f3f3f3;color:#0b7d88;text-decoration:none}
.cl-header__stripe{height:4px;background:linear-gradient(90deg,#0D132D,#0b7d88,#FFBD00)}

/* Layout */
.cl-layout{max-width:1400px;margin:0 auto;display:block;}

/* Sidebar */
.cl-sidebar__section{background:#f8f9fc;border:1px solid #e0e0e8;border-radius:8px;padding:18px;margin-bottom:16px}
.cl-sidebar__heading{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#0D132D;margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid #0D132D}
.cl-sidebar__link{display:block;padding:7px 8px;color:#24404a;font-size:.85rem;border-radius:5px;transition:.15s;font-weight:500}
.cl-sidebar__link:hover{background:#fff;color:#0b7d88;text-decoration:none}
.cl-sidebar__cta{background:#0D132D;color:#fff;border-radius:8px;padding:18px;text-align:center}
.cl-sidebar__cta p{font-size:.83rem;color:#D9DEE8;margin-bottom:12px;line-height:1.4}
.cl-btn{display:inline-flex;align-items:center;justify-content:center;background:#0b7d88;color:#fff;padding:10px 20px;font-weight:700;font-size:.88rem;border-radius:6px;border:none;cursor:pointer;text-decoration:none;transition:.2s}
.cl-btn:hover{background:#8a0000;color:#fff;text-decoration:none}

/* Page head */
.cl-page-head{background:#f8f9fc;border-bottom:2px solid #e2e8f0;padding:40px 24px 36px;margin-bottom:0}.cl-page-head__inner{max-width:1200px;margin:0 auto}
.cl-page-head__title{font-family:'Instrument Serif',Georgia,serif;font-size:clamp(1.6rem,3vw,2.4rem);color:#0D132D;font-weight:400;line-height:1.15;margin-bottom:12px}
.cl-page-head__intro{font-size:1.05rem;color:#24404a;max-width:700px}

/* Prose */
.cl-prose,.cl-main .prose{font-size:1rem;color:#24404a}
.cl-prose h2{font-family:'Instrument Serif',Georgia,serif;font-size:1.6rem;color:#0D132D;margin:22px 0 11px;font-weight:400;border-bottom:1px solid #e8e8e8;padding-bottom:6px}
.cl-prose h3{font-family:'Instrument Serif',Georgia,serif;font-size:1.25rem;color:#06323d;margin:16px 0 8px;font-weight:400}
.cl-prose p,.cl-prose li{margin-bottom:.85rem;color:#24404a}
.cl-prose ul,.cl-prose ol{padding-left:1.4rem;margin-bottom:1rem}
.cl-prose a{color:#0b7d88;text-decoration:underline}
.cl-prose blockquote{border-left:4px solid #FFBD00;padding:14px 18px;background:#fffdf0;margin:1.2rem 0;font-style:italic;color:#24404a;border-radius:0 6px 6px 0}
.cl-link{color:#0b7d88;font-weight:700;font-size:.88rem}

/* Blog grid */
.cl-blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.cl-post-card{border:1px solid #e0e0e8;border-radius:10px;overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s}
.cl-post-card:hover{box-shadow:0 6px 20px rgba(0,0,0,.09)}
.cl-post-card img{aspect-ratio:16/9;object-fit:cover;width:100%;background:#f3f3f3}
.cl-post-card__body{padding:16px;flex:1;display:flex;flex-direction:column}
.cl-post-card__date{font-size:.75rem;color:#24404a;display:block;margin-bottom:5px;text-transform:uppercase;letter-spacing:.06em}
.cl-post-card h2{font-family:'Instrument Serif',Georgia,serif;font-size:1.05rem;margin-bottom:7px;font-weight:400}
.cl-post-card h2 a{color:#0D132D}
.cl-post-card h2 a:hover{color:#0b7d88}
.cl-post-card p{color:#24404a;font-size:.86rem;margin-bottom:10px;flex:1}

/* Contact form */
.cl-form-wrap{margin-top:8px}
.cl-form{display:grid;gap:12px}
.cl-form__row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.cl-form label{display:grid;gap:5px;font-weight:600;font-size:.87rem;color:#0D132D}
.cl-form input,.cl-form textarea{padding:10px 12px;border:1px solid #D9DEE8;border-radius:6px;font-family:inherit;font-size:.9rem;color:#0D132D;width:100%;transition:.2s}
.cl-form input:focus,.cl-form textarea:focus{outline:none;border-color:#0D132D;box-shadow:0 0 0 3px rgba(13,19,45,.1)}
.cl-form textarea{min-height:120px;resize:vertical}
.cl-alert{padding:12px 16px;border-radius:6px;margin-bottom:14px;font-size:.9rem}
.cl-alert--ok{background:#ecfdf5;color:#166534;border:1px solid #bbf7d0}
.cl-alert--err{background:#fef2f2;color:#991b1b;border:1px solid #fecaca}

/* FAQ (fullwidth section) */
.cl-faq--fullwidth{padding:40px 24px;background:#f8f9fc;border-top:1px solid #e2e8f0}
.cl-faq__inner{max-width:1200px;margin:0 auto}
.cl-faq h2{font-family:'Instrument Serif',Georgia,serif;font-size:1.5rem;font-weight:400;margin-bottom:14px;color:#0D132D}
.cl-faq__item{border:1px solid #e0e0e8;border-radius:8px;margin-bottom:8px;overflow:hidden;background:#fff}
.cl-faq__item summary{padding:14px 16px;cursor:pointer;font-weight:600;color:#0D132D;list-style:none;font-size:.93rem;display:flex;justify-content:space-between;align-items:center}
.cl-faq__item summary::-webkit-details-marker{display:none}
.cl-faq__item summary::after{content:'+';font-size:1.2rem;color:#0b7d88;flex-shrink:0}
details[open].cl-faq__item summary::after{content:'−'}
.cl-faq__item div{padding:0 16px 14px;color:#24404a;font-size:.92rem;border-top:1px solid #e0e0e8}
.cl-faq__item div p{color:#24404a;margin-bottom:.5rem}

/* Reviews / Expert Notes (fullwidth section) */
.cl-reviews--fullwidth{padding:40px 24px;background:#0D132D;border-top:1px solid #0D132D}
.cl-reviews__inner{max-width:1200px;margin:0 auto}
.cl-reviews h2{font-family:'Instrument Serif',Georgia,serif;font-size:1.5rem;font-weight:400;margin-bottom:14px;color:#e8f0f8}
.cl-reviews__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.cl-review-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-top:3px solid #0b7d88;padding:18px;border-radius:6px}
.cl-review-card p{color:#c8d8f0;font-size:.92rem;margin-bottom:10px;font-style:italic}
.cl-review-card strong{display:block;font-size:.88rem;color:#fff}
.cl-review-card span{font-size:.8rem;color:#9ab0c8}

/* Footer */
.cl-footer{background:#f3f3f3;border-top:1px solid #e8e8e8;margin-top:40px;padding:24px}
.cl-footer__inner{max-width:1400px;margin:0 auto}
.cl-footer p{font-size:.78rem;color:#24404a;line-height:1.55}
.cl-footer strong{color:#0D132D}

/* Footer shared utilities */
.footer-contact{display:flex;flex-direction:column;gap:8px;min-width:160px}
.footer-contact-link{display:flex;align-items:center;gap:9px;color:#24404a;font-size:.83rem;text-decoration:none;transition:.15s}
.footer-contact-link:hover{color:#0b7d88;text-decoration:none}
.footer-contact-link i{font-size:17px;width:18px;text-align:center;flex-shrink:0;opacity:.8}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:14px;border-top:1px solid #e0e0e8;flex-wrap:wrap;gap:14px;max-width:1400px;margin:12px auto 0}
.footer-social{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.social-icon-link{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:#e8eef4;color:#24404a;transition:.2s;flex-shrink:0;text-decoration:none}
.social-icon-link:hover{background:#0D132D;color:#fff;text-decoration:none}
.social-icon-link svg{width:17px;height:17px}
.footer-payments{display:flex;gap:7px;align-items:center;flex-wrap:wrap}
.payment-badge{display:inline-flex;align-items:center;line-height:0;border-radius:5px;overflow:hidden;box-shadow:0 1px 4px rgba(0,0,0,.18);transition:transform .15s,box-shadow .15s;flex-shrink:0}
.payment-badge svg{display:block;width:44px;height:28px}
.payment-badge:hover{transform:translateY(-1px);box-shadow:0 3px 8px rgba(0,0,0,.28)}
/* cl-main padding */
.cl-main{display:block;max-width:1200px;margin:0 auto;padding:32px 24px;box-sizing:border-box}
@media(max-width:900px){.cl-blog-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.cl-nav{display:none!important}.cl-nav-toggle{display:flex!important}}
@media(max-width:640px){.cl-blog-grid,.cl-form__row{grid-template-columns:1fr}.cl-main{padding:20px 16px}}

/* prose-rich */
.prose table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.95em}
.prose table caption{caption-side:top;text-align:left;font-weight:600;padding-bottom:8px;opacity:.85}
.prose table th,.prose table td{padding:9px 12px;border:1px solid rgba(128,128,128,.34);text-align:left;vertical-align:top}
.prose table th{background:rgba(128,128,128,.16);font-weight:600}
.prose table tbody tr:nth-child(even) td{background:rgba(128,128,128,.07)}
.prose table td:first-child{font-weight:600}
.prose blockquote{margin:22px 0;padding:12px 18px;border-left:3px solid var(--site-accent,#888);background:rgba(128,128,128,.09)}
.prose blockquote p:last-child{margin-bottom:0}
.prose ul,.prose ol{margin:18px 0 18px 20px;padding-left:8px}
.prose li{margin-bottom:9px}
.prose li>strong:first-child{display:inline}
.prose h3{margin:26px 0 8px;font-size:1.1em;line-height:1.35}
.prose h4{margin:20px 0 6px;font-size:1em;opacity:.9}
.prose p+ul,.prose p+ol{margin-top:-4px}
.prose .note{margin:22px 0;padding:14px 16px;border:1px solid rgba(128,128,128,.3);border-radius:6px;background:rgba(128,128,128,.06)}
.prose .note p:last-child{margin-bottom:0}
@media (max-width:640px){
  .prose table{display:block;overflow-x:auto;white-space:nowrap}
  .prose table th,.prose table td{white-space:normal;min-width:110px}
}