:root {
      --ink: #0f1923;
      --ink-soft: #2d3e4e;
      --cream: #f8f4ee;
      --cream-mid: #f1ebe1;
      --gold: #b8860b;
      --gold-light: #d4a017;
      --gold-pale: #fdf3d8;
      --teal: #0d6e6e;
      --teal-light: #1a9090;
      --red-warn: #c0392b;
      --border: rgba(184,134,11,0.18);
      --shadow: 0 4px 32px rgba(15,25,35,0.08);
      --shadow-hover: 0 8px 48px rgba(15,25,35,0.14);
    }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'DM Sans', sans-serif;
      background: var(--cream);
      color: var(--ink);
      line-height: 1.75;
      font-size: 17px;
    }
    h1, h2, h3, h4 { font-family: 'Playfair Display', serif; line-height: 1.2; }
    a { color: var(--teal); text-decoration: none; }
    a:hover { color: var(--teal-light); }
    img { display: block; max-width: 100%; }

    /* ── Announce bar ── */
    .announce {
      background: var(--ink);
      color: rgba(255,255,255,0.8);
      font-size: 0.82rem;
      padding: 0.5rem 1.5rem;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 1rem;
      letter-spacing: 0.01em;
    }
    .announce i { color: var(--gold-light); margin-right: 0.4rem; }
    .announce-badge {
      background: var(--gold);
      color: white;
      font-weight: 600;
      font-size: 0.72rem;
      padding: 0.15rem 0.65rem;
      border-radius: 99px;
      letter-spacing: 0.05em;
      text-transform: uppercase;
    }

    /* ── Header ── */
    .site-header {
      background: white;
      border-bottom: 1px solid var(--border);
      position: sticky;
      top: 0;
      z-index: 1000;
      box-shadow: 0 2px 20px rgba(15,25,35,0.06);
    }
    .header-inner {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 1.5rem;
      height: 70px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 2rem;
    }
    .brand {
      display: flex;
      align-items: center;
      gap: 0.75rem;
      text-decoration: none;
      color: var(--ink);
    }
    .brand-icon {
      width: 42px; height: 42px;
      background: linear-gradient(135deg, var(--teal), var(--teal-light));
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: white;
      font-size: 1.1rem;
      flex-shrink: 0;
    }
    .brand-name {
      font-family: 'Playfair Display', serif;
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--ink);
      line-height: 1.1;
    }
    .brand-name span { color: var(--teal); }
    .brand-tag {
      font-size: 0.7rem;
      color: #888;
      display: block;
      letter-spacing: 0.02em;
    }
    .nav {
      display: flex;
      align-items: center;
      gap: 0.25rem;
    }
    .nav a {
      font-size: 0.87rem;
      font-weight: 500;
      color: var(--ink-soft);
      padding: 0.4rem 0.75rem;
      border-radius: 6px;
      transition: all 0.2s;
      white-space: nowrap;
    }
    .nav a:hover { background: var(--cream); color: var(--teal); }
    .nav a i { margin-right: 0.3rem; font-size: 0.78rem; }
    .nav-cta {
      background: var(--teal) !important;
      color: white !important;
      font-weight: 600 !important;
      padding: 0.45rem 1.1rem !important;
    }
    .nav-cta:hover { background: var(--teal-light) !important; }
    .hamburger {
      display: none;
      background: none;
      border: 1.5px solid var(--border);
      border-radius: 7px;
      padding: 0.4rem 0.65rem;
      cursor: pointer;
      font-size: 1.1rem;
      color: var(--ink);
    }
    .mobile-menu {
      display: none;
      flex-direction: column;
      background: white;
      border-top: 1px solid var(--border);
      padding: 1rem 1.5rem 1.5rem;
      gap: 0.5rem;
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      font-size: 0.95rem;
      color: var(--ink-soft);
      padding: 0.6rem 0;
      border-bottom: 1px solid var(--cream-mid);
      font-weight: 500;
    }
    .mobile-menu a i { margin-right: 0.5rem; color: var(--teal); }
    .mob-cta {
      background: var(--teal);
      color: white !important;
      border-radius: 8px;
      padding: 0.7rem 1rem !important;
      text-align: center;
      border-bottom: none !important;
      margin-top: 0.5rem;
      font-weight: 600 !important;
    }

    /* ── Hero ── */
    .hero {
      background: linear-gradient(135deg, var(--ink) 0%, #1a2f40 55%, #0d3d3d 100%);
      color: white;
      padding: 5rem 1.5rem 4rem;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      inset: 0;
    }
    .hero-glow {
      position: absolute;
      width: 600px; height: 600px;
      background: radial-gradient(circle, rgba(13,110,110,0.25) 0%, transparent 70%);
      top: -200px; right: -100px;
      pointer-events: none;
    }
    .hero-inner {
      max-width: 800px;
      margin: 0 auto;
      position: relative;
    }
    .hero-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 0.4rem;
      background: rgba(184,134,11,0.15);
      border: 1px solid rgba(184,134,11,0.3);
      color: var(--gold-light);
      font-size: 0.78rem;
      font-weight: 600;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      padding: 0.35rem 0.9rem;
      border-radius: 99px;
      margin-bottom: 1.75rem;
    }
    .hero h1 {
      font-size: clamp(2rem, 5vw, 3.4rem);
      font-weight: 700;
      line-height: 1.15;
      color: white;
      margin-bottom: 1.5rem;
    }
    .hero h1 em {
      color: var(--gold-light);
      font-style: normal;
    }
    .hero-lede {
      font-size: 1.1rem;
      color: rgba(255,255,255,0.78);
      line-height: 1.75;
      margin-bottom: 2rem;
      max-width: 680px;
    }
    .hero-byline {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 0.6rem 1.25rem;
      font-size: 0.83rem;
      color: rgba(255,255,255,0.5);
      padding-top: 1.5rem;
      border-top: 1px solid rgba(255,255,255,0.1);
    }
    .hero-byline .avatar {
      width: 38px; height: 38px;
      background: linear-gradient(135deg, var(--teal), var(--teal-light));
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 700;
      font-size: 0.78rem;
      color: white;
      font-family: 'DM Sans', sans-serif;
      flex-shrink: 0;
    }
    .hero-byline strong { color: rgba(255,255,255,0.85); }
    .hero-byline span { color: rgba(255,255,255,0.45); font-size: 0.75rem; display: block; }
    .hero-byline i { color: var(--gold-light); margin-right: 0.3rem; }
    .byline-sep { color: rgba(255,255,255,0.2); }
    .editorial-badge {
      background: rgba(13,110,110,0.25);
      border: 1px solid rgba(13,110,110,0.4);
      color: #4ecdc4;
      padding: 0.2rem 0.65rem;
      border-radius: 99px;
      font-size: 0.75rem;
      font-weight: 600;
    }
    .editorial-badge i { margin-right: 0.3rem; }

    /* ── Hero image band ── */
    .hero-img-band {
      width: 100%;
      height: 500px;
      overflow: hidden;
      position: relative;
    }
    .hero-img-band img {
      width: 70%;
      height: 100%;
      object-fit: cover;
      object-position: center;
      margin: 0 auto;
    }
    .hero-img-band::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 80px;
      background: linear-gradient(to bottom, transparent, var(--cream));
    }

    /* ── Layout ── */
    .container {
      max-width: 1200px !important;
      margin: 0 auto;
      padding: 0 1.5rem;
    }
    .article-grid {
      display: grid;
      grid-template-columns: 240px 1fr;
      gap: 3rem;
      align-items: start;
      padding: 3rem 0 4rem;
    }

    /* ── TOC Sidebar ── */
    .aside-toc {
      position: sticky;
      top: 90px;
    }
    .toc-card {
      background: white;
      border: 1px solid var(--border);
      border-radius: 14px;
      padding: 1.5rem;
      box-shadow: var(--shadow);
    }
    .toc-head {
      font-family: 'Playfair Display', serif;
      font-size: 0.95rem;
      font-weight: 700;
      color: var(--ink);
      margin-bottom: 1rem;
      padding-bottom: 0.75rem;
      border-bottom: 1px solid var(--border);
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }
    .toc-head i { color: var(--teal); }
    .toc-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.1rem; }
    .toc-card a {
      font-size: 0.83rem;
      color: var(--ink-soft);
      padding: 0.35rem 0.5rem;
      display: flex;
      align-items: center;
      gap: 0.45rem;
      border-radius: 6px;
      transition: all 0.15s;
      font-weight: 500;
    }
    .toc-card a i { color: var(--teal); font-size: 0.72rem; width: 14px; }
    .toc-card a:hover, .toc-card a.active {
      background: var(--cream);
      color: var(--teal);
    }
    .toc-card a.sub {
      padding-left: 1.6rem;
      font-size: 0.78rem;
      color: #888;
      font-weight: 400;
    }
    .toc-card a.sub::before { content: '→'; color: #bbb; margin-right: 0.3rem; }

    /* ── Article prose ── */
    .article-body { min-width: 0; }
    .article-body h2 {
      font-size: 1.75rem;
      color: var(--ink);
      margin: 2.5rem 0 1rem;
      padding-bottom: 0.6rem;
      border-bottom: 2px solid var(--gold-pale);
      position: relative;
    }
    .article-body h2::after {
      content: '';
      position: absolute;
      bottom: -2px; left: 0;
      width: 60px; height: 2px;
      background: var(--gold);
    }
    .article-body h3 {
      font-size: 1.2rem;
      color: var(--ink-soft);
      margin: 1.75rem 0 0.65rem;
    }
    .article-body p { margin-bottom: 1.1rem; color: #3a4a56; }
    .article-body ul, .article-body ol {
      margin: 0.75rem 0 1.1rem 1.4rem;
      color: #3a4a56;
    }
    .article-body li { margin-bottom: 0.45rem; }
    .article-body strong { color: var(--ink); font-weight: 600; }

    /* ── Aside card ── */
    .aside-card {
      background: white;
      border: 1px solid var(--border);
      border-left: 4px solid var(--teal);
      border-radius: 0 12px 12px 0;
      padding: 1.25rem 1.5rem;
      margin: 1.75rem 0;
      box-shadow: var(--shadow);
    }
    .aside-card.warn { border-left-color: var(--red-warn); }
    .aside-card.gold { border-left-color: var(--gold); }
    .aside-card .card-head {
      font-family: 'Playfair Display', serif;
      font-size: 0.95rem;
      font-weight: 700;
      margin-bottom: 0.5rem;
      display: flex;
      align-items: center;
      gap: 0.45rem;
    }
    .aside-card.warn .card-head { color: var(--red-warn); }
    .aside-card.gold .card-head { color: var(--gold); }
    .aside-card .card-head i { font-size: 0.9rem; }
    .aside-card p, .aside-card li { font-size: 0.92rem; color: #445566; }

    /* ── Stat cards ── */
    .stat-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
      gap: 1.25rem;
      margin: 1.5rem 0;
    }
    .stat-card {
      background: white;
      border: 1px solid var(--border);
      border-radius: 14px;
      padding: 1.5rem;
      text-align: center;
      box-shadow: var(--shadow);
      transition: box-shadow 0.25s, transform 0.25s;
    }
    .stat-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); }
    .stat-num {
      font-family: 'Playfair Display', serif;
      font-size: 2rem;
      font-weight: 800;
      color: var(--teal);
      line-height: 1;
      margin-bottom: 0.35rem;
    }
    .stat-label { font-size: 0.85rem; color: #667788; line-height: 1.4; }

    /* ── Risk cards ── */
    .risk-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 1.25rem;
      margin: 1.5rem 0;
    }
    .risk-card {
      background: white;
      border: 1px solid var(--border);
      border-radius: 14px;
      padding: 1.5rem;
      box-shadow: var(--shadow);
      transition: all 0.25s;
    }
    .risk-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); }
    .risk-icon {
      width: 46px; height: 46px;
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1.1rem;
      margin-bottom: 1rem;
    }
    .risk-card h3 { font-size: 1.05rem; margin-bottom: 0.5rem; margin-top: 0; }
    .risk-card p { font-size: 0.88rem; color: #556677; margin: 0; }

    /* ── Comparison table ── */
    .comparison-table-wrap { overflow-x: auto; margin: 1.5rem 0; border-radius: 14px; border: 1px solid var(--border); box-shadow: var(--shadow); }
    .comparison-table { width: 100%; border-collapse: collapse; background: white; }
    .comparison-table th {
      background: var(--ink);
      color: white;
      font-family: 'Playfair Display', serif;
      font-size: 0.9rem;
      padding: 1rem 1.25rem;
      text-align: left;
      white-space: nowrap;
    }
    .comparison-table th:first-child { border-radius: 13px 0 0 0; }
    .comparison-table th:last-child { border-radius: 0 13px 0 0; }
    .comparison-table td {
      padding: 0.85rem 1.25rem;
      font-size: 0.88rem;
      color: #3a4a56;
      border-bottom: 1px solid var(--cream-mid);
      vertical-align: top;
    }
    .comparison-table tr:last-child td { border-bottom: none; }
    .comparison-table tr:nth-child(even) td { background: var(--cream); }
    .badge-yes { color: var(--teal); font-weight: 700; }
    .badge-no { color: var(--red-warn); font-weight: 700; }
    .badge-partial { color: var(--gold); font-weight: 700; }

    /* ── Psychology cards ── */
    .psych-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
      gap: 1.1rem;
      margin: 1.5rem 0;
    }
    .psych-card {
      background: var(--gold-pale);
      border: 1px solid rgba(184,134,11,0.2);
      border-radius: 12px;
      padding: 1.25rem;
    }
    .psych-card .pcard-head {
      font-family: 'Playfair Display', serif;
      font-size: 1rem;
      font-weight: 700;
      color: var(--ink);
      margin-bottom: 0.5rem;
      display: flex;
      align-items: center;
      gap: 0.4rem;
    }
    .psych-card .pcard-head i { color: var(--gold); }
    .psych-card p { font-size: 0.87rem; color: #4a5568; margin: 0; }

    /* ── Alternatives ── */
    .alt-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
      gap: 1.25rem;
      margin: 1.5rem 0;
    }
    .alt-card {
      background: white;
      border: 1px solid var(--border);
      border-radius: 14px;
      padding: 1.5rem;
      box-shadow: var(--shadow);
      transition: all 0.25s;
    }
    .alt-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-3px); }
    .alt-card .alt-icon {
      width: 44px; height: 44px;
      border-radius: 11px;
      background: linear-gradient(135deg, var(--teal), var(--teal-light));
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1rem;
      color: white;
      margin-bottom: 1rem;
    }
    .alt-card h3 { font-size: 1.05rem; margin-bottom: 0.45rem; margin-top: 0; }
    .alt-card p { font-size: 0.87rem; color: #556677; margin: 0; }

    /* ── FAQ ── */
    .faq-list { display: flex; flex-direction: column; gap: 0.75rem; margin: 1.5rem 0; }
    .faq-item {
      background: white;
      border: 1px solid var(--border);    
      border-radius: 12px;
      overflow: hidden;
      box-shadow: 0 2px 12px rgba(15,25,35,0.05);
    }
    .faq-q {
      width: 100%;
      background: none;
      border: none;
      cursor: pointer;
      padding: 1.1rem 1.5rem;
      text-align: left;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 1rem;
      font-family: 'Playfair Display', serif;
      font-size: 1.02rem;
      font-weight: 600;
      color: var(--ink);
      transition: background 0.15s;
    }
    .faq-q:hover { background: var(--cream); }
    .faq-q i { color: var(--teal); transition: transform 0.3s; flex-shrink: 0; }
    .faq-q.open i { transform: rotate(180deg); }
    .faq-q.open { background: var(--cream); }
    .faq-a {
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.4s ease, padding 0.3s;
      font-size: 0.93rem;
      color: #3a4a56;
      line-height: 1.75;
    }
    .faq-a.show {
      max-height: 600px;
      padding: 0 1.5rem 1.25rem;
    }
    .faq-a p { margin-bottom: 0.6rem; }
    .faq-a p:last-child { margin: 0; }

    /* ── Section CTA ── */
    .cta-section {
      background: linear-gradient(135deg, var(--teal) 0%, #0a5252 100%);
      border-radius: 20px;
      padding: 3rem 2.5rem;
      text-align: center;
      color: white;
      margin: 3rem 0;
      position: relative;
      overflow: hidden;
    }
    .cta-section::before {
      content: '';
      position: absolute;
      inset: 0;
    }
    .cta-section h2 {
      color: white;
      border: none;
      font-size: 1.9rem;
      margin: 0 0 0.75rem;
    }
    .cta-section h2::after { display: none; }
    .cta-section p { color: rgba(255,255,255,0.8); font-size: 1rem; margin-bottom: 1.75rem; }
    .cta-links {
      display: flex;
      flex-wrap: wrap;
      gap: 1rem;
      justify-content: center;
    }
    .cta-links a {
      background: white;
      color: var(--teal);
      font-weight: 700;
      padding: 0.75rem 1.75rem;
      border-radius: 8px;
      font-size: 0.93rem;
      transition: all 0.2s;
    }
    .cta-links a:hover { background: var(--cream); transform: translateY(-2px); }
    .cta-links a.outline {
      background: transparent;
      border: 2px solid rgba(255,255,255,0.45);
      color: white;
    }
    .cta-links a.outline:hover { background: rgba(255,255,255,0.1); border-color: white; }

    /* ── Insight section ── */
    .insight-section {
      background: var(--ink);
      color: white;
      padding: 4rem 1.5rem;
    }
    .insight-inner {
      max-width: 1200px;
      margin: 0 auto;
    }
    .insight-header {
      text-align: center;
      margin-bottom: 2.5rem;
    }
    .insight-header h2 {
      color: white;
      border: none;
      font-size: 2rem;
      margin-bottom: 0.5rem;
    }
    .insight-header h2::after { display: none; }
    .insight-header p { color: rgba(255,255,255,0.6); font-size: 0.95rem; }
    .insight-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 1.25rem;
    }
    .insight-card {
      background: rgba(255,255,255,0.05);
      border: 1px solid rgba(255,255,255,0.1);
      border-radius: 14px;
      padding: 1.5rem;
      transition: all 0.25s;
    }
    .insight-card:hover { background: rgba(255,255,255,0.08); border-color: rgba(184,134,11,0.35); }
    .insight-card .ic-icon {
      width: 40px; height: 40px;
      background: rgba(184,134,11,0.15);
      border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      font-size: 0.95rem; color: var(--gold-light);
      margin-bottom: 1rem;
    }
    .insight-card h3 {
      font-size: 1.05rem;
      color: white;
      margin-bottom: 0.5rem;
    }
    .insight-card p { font-size: 0.87rem; color: rgba(255,255,255,0.6); margin: 0; }

    /* ── Footer ── */
    .site-footer {
      background: #0a1520;
      color: rgba(255,255,255,0.65);
      padding: 4rem 1.5rem 0;
    }
    .footer-grid {
      max-width: 1200px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 3rem;
      padding-bottom: 3rem;
      border-bottom: 1px solid rgba(255,255,255,0.08);
    }
    .footer-brand p { font-size: 0.87rem; line-height: 1.7; margin-top: 1rem; }
    .footer-brand address { font-style: normal; font-size: 0.83rem; margin-top: 0.75rem; }
    .footer-brand address a { color: var(--gold-light); }
    .footer-brand .brand { margin-bottom: 0.5rem; }
    .footer-brand .brand-name { color: white; }
    .site-footer h3 {
      font-family: 'Playfair Display', serif;
      font-size: 0.95rem;
      color: white;
      margin-bottom: 1rem;
    }
    .site-footer ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
    .site-footer ul a { font-size: 0.87rem; color: rgba(255,255,255,0.55); transition: color 0.2s; }
    .site-footer ul a:hover { color: var(--gold-light); }
    .footer-bottom {
      max-width: 1200px;
      margin: 0 auto;
      padding: 1.5rem 0;
      display: flex;
      flex-wrap: wrap;
      gap: 0.75rem;
      justify-content: space-between;
      font-size: 0.8rem;
      color: rgba(255,255,255,0.35);
    }
    .footer-notice {
      background: rgba(0,0,0,0.25);
      padding: 1rem 1.5rem;
      font-size: 0.78rem;
      color: rgba(255,255,255,0.35);
      text-align: center;
    }
    .footer-notice strong { color: rgba(255,255,255,0.55); }

    /* ── Scroll top btn ── */
    #scrollTop {
      position: fixed;
      bottom: 2rem; right: 2rem;
      width: 44px; height: 44px;
      background: var(--teal);
      color: white;
      border: none;
      border-radius: 50%;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 0.95rem;
      box-shadow: 0 4px 16px rgba(13,110,110,0.4);
      opacity: 0;
      transform: translateY(20px);
      transition: all 0.3s;
      pointer-events: none;
      z-index: 999;
    }
    #scrollTop.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
    #scrollTop:hover { background: var(--teal-light); }

    /* ── Fade-in ── */
    .fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.55s ease, transform 0.55s ease; }
    .fade-in.visible { opacity: 1; transform: none; }

    /* ── Article image float ── */
    .article-img {
      width: 100%;
      height: 400px;
      object-fit: cover;
      border-radius: 14px;
      margin: 1.5rem 0;
    }

    /* ── Inline image placeholder ── */
    .img-placeholder {
      width: 100%;
      height: 260px;
      background: var(--cream-mid);
      border-radius: 14px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: #aaa;
      font-size: 0.85rem;
      margin: 1.5rem 0;
      border: 1px dashed #ccc;
      gap: 0.5rem;
    }

    /* ── Responsive ── */
    @media (max-width: 900px) {
      .article-grid { grid-template-columns: 1fr; }
      .aside-toc { position: static; }
      .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
    }
    @media (max-width: 768px) {
      .nav { display: none; }
      .hamburger { display: block; }
      .hero { padding: 3.5rem 1.25rem 2.5rem; }
      .hero-img-band { height: 220px; }
      .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; }
      .announce { font-size: 0.75rem; gap: 0.5rem; }
    }
    @media (max-width: 480px) {
      .stat-grid { grid-template-columns: 1fr 1fr; }
      .risk-grid { grid-template-columns: 1fr; }
      .cta-section { padding: 2rem 1.25rem; }
    }