/* ==================== COMPREHENSIVE RESPONSIVE CSS - FULL REFACTOR ==================== */
@import url('https://fonts.googleapis.com/css2?family=Roboto:wght@300;400;700;900&display=swap');

/* ==================== ROOT VARIABLES ==================== */
:root {
  /* Colors */
  --color-primary: #233a8a;
  --color-accent: #e74b3b;
  --color-muted: #6b6b6b;
  --color-text: #333;
  --color-text-light: #444;
  --color-bg: #ffffff;
  --color-panel: #f8fbff;
  --color-border: #e6e9f6;
  --color-border-light: #eef3ff;
  --color-light: #f4f4f4;
  --color-bg-alt: #f8f9fa;
  --color-bg-alt2: #fafafa;
  --color-bg-alt3: #fbfbff;
  --color-placeholder: #f0f0f0;
  
  /* Spacing Scale */
  --spacing-2xs: 4px;
  --spacing-xs: 6px;
  --spacing-sm: 8px;
  --spacing-md: 12px;
  --spacing-lg: 15px;
  --spacing-xl: 18px;
  --spacing-2xl: 20px;
  --spacing-3xl: 22px;
  --spacing-4xl: 26px;
  --spacing-5xl: 28px;
  --spacing-6xl: 30px;
  
  /* Border Radius */
  --radius-none: 0px;
  --radius-sm: 6px;
  --radius-md: 8px;
  --radius-lg: 10px;
  
  /* Transitions */
  --transition-fast: 0.2s ease;
  --transition-smooth: 0.25s ease;
  --transition-smooth3: 0.3s ease;
  
  /* Shadows */
  --shadow-xs: 0 2px 8px rgba(35, 58, 138, 0.02);
  --shadow-sm: 0 4px 10px rgba(35, 58, 138, 0.05);
  --shadow-md: 0 6px 18px rgba(35, 58, 138, 0.03);
  --shadow-lg: 0 8px 26px rgba(35, 58, 138, 0.03);
  --shadow-xl: 0 10px 30px rgba(35, 58, 138, 0.06);
  --shadow-dark: 0 6px 18px rgba(0, 0, 0, 0.08);
  
  /* Container */
  --container-max: 1200px;
  --container-padding: 20px;
  
  /* Line Height */
  --line-height-tight: 1.4;
  --line-height-normal: 1.6;
  --line-height-relaxed: 1.65;
  --line-height-loose: 1.7;
}

/* ==================== RESET & BASE ==================== */
* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Roboto", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  margin: 0;
  padding: 0;
  line-height: var(--line-height-normal);
  color: var(--color-text);
  background: var(--color-bg);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
  image-rendering: -webkit-optimize-contrast;
  image-rendering: crisp-edges;
}

/* ==================== TYPOGRAPHY ==================== */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-primary);
  margin: 0;
  word-wrap: break-word;
}

h2 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: var(--spacing-md);
}

h3 {
  font-size: 16px;
  font-weight: 700;
}

h5 {
  font-size: 16px;
  font-weight: 700;
}

p {
  margin: 0 0 var(--spacing-xl) 0;
  word-wrap: break-word;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

/* ==================== CONTAINER ==================== */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--container-padding);
  width: 100%;
}

/* ==================== LAYOUT: FLEX ==================== */
.row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  margin: 0 calc(var(--spacing-lg) * -1);
}

.col-md-3 {
  flex: 0 0 25%;
  max-width: 25%;
  padding: 0 var(--spacing-lg);
}

/* ==================== LAYOUT: GRID ==================== */
.categories {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-3xl);
  margin-top: var(--spacing-xl);
  padding: var(--spacing-xl) var(--spacing-2xl);
}

.cat {
  height: 110px;
  border: 3px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-smooth);
  background: var(--color-bg);
  border-radius: var(--radius-md);
}

.cat .cat-inner {
  width: 100%;
  text-align: center;
  font-weight: 700;
  letter-spacing: 1px;
  font-size: 18px;
  color: var(--color-primary);
  padding: var(--spacing-2xl);
}

.cat:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.cat.active {
  background: var(--color-primary);
  color: var(--color-bg);
  border-color: var(--color-primary);
}

.cat.active .cat-inner {
  color: var(--color-bg);
}

/* ==================== CATEGORY BOX ==================== */
.category-box {
  background: #e9ecef;
  padding: var(--spacing-lg);
  border-radius: var(--radius-none);
  text-align: center;
  cursor: pointer;
  transition: background-color var(--transition-smooth3), transform var(--transition-smooth3);
  margin-bottom: var(--spacing-2xl);
  min-height: 120px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.category-box {
  position: relative;
  overflow: hidden;
}

.category-box::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.1), transparent);
  transition: left var(--transition-smooth3);
}

.category-box:hover {
  background: linear-gradient(135deg, #1a2557 0%, #233a8a 100%);
  transform: translateY(-5px);
  box-shadow: 0 12px 35px rgba(35, 58, 138, 0.2);
}

.category-box:hover::before {
  left: 100%;
}

.category-box:hover h2,
.category-box:hover p {
  color: var(--color-light);
}

.category-box h2 {
  margin: 0 0 var(--spacing-md) 0;
  font-size: 18px;
  font-weight: 700;
  color: var(--color-text);
  transition: color var(--transition-fast);
}

.category-box p {
  margin: 0;
  color: #666;
  transition: color var(--transition-fast);
}

/* ==================== INTRO SECTION ==================== */
.intro {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: var(--spacing-2xl);
  margin-top: var(--spacing-xl);
  padding: var(--spacing-2xl);
  background: var(--color-bg);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border-light);
  box-shadow: var(--shadow-lg);
}

.intro-left h2 {
  color: var(--color-primary);
  margin: 0 0 var(--spacing-xs) 0;
  font-size: 18px;
  font-weight: 700;
}

.intro-sub {
  font-weight: 700;
  color: var(--color-muted);
  margin: var(--spacing-xs) 0;
}

.lead {
  color: var(--color-text-light);
  font-size: 14px;
  margin-top: var(--spacing-xs);
}

.top-questions {
  margin-top: var(--spacing-lg);
  color: var(--color-primary);
  padding-left: 0;
  list-style: none;
}

.top-questions li {
  margin-bottom: var(--spacing-lg);
}

.top-questions .desc {
  color: var(--color-text);
  font-size: 13px;
  margin-top: var(--spacing-xs);
}

.intro-right img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-sm);
}

/* ==================== FINANCE BANNER ==================== */
.finance-banner {
  margin-top: var(--spacing-4xl);
  width: 100%;
  overflow: hidden;
}

.finance-banner img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius-md);
}

/* ==================== BENEFITS & FUND CATEGORIES ==================== */
.benefits,
.fund-categories {
  margin-top: var(--spacing-5xl);
  padding: var(--spacing-2xl);
}

.benefit-grid,
.fund-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--spacing-lg);
  margin-top: var(--spacing-md);
}

.benefit-card,
.fund-card {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: var(--spacing-lg);
  font-weight: 700;
  font-size: 13px;
  border-radius: var(--radius-md);
  background: var(--color-bg);
  border: 2px solid var(--color-border);
  color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transition: transform var(--transition-fast);
}

.benefit-card:hover,
.fund-card:hover {
  transform: translateY(-3px);
}

/* ==================== FAQ SECTION ==================== */
.faq-list {
  margin-top: var(--spacing-4xl);
  padding: var(--spacing-2xl);
}

.faq-container {
  margin: var(--spacing-xl) 0 var(--spacing-5xl) 0;
}

.faq-section.hidden {
  display: none;
}

.faq-item {
  background: var(--color-bg);
  border-left: 4px solid rgba(35, 58, 138, 0.08);
  padding: var(--spacing-lg) var(--spacing-xl);
  margin-bottom: var(--spacing-md);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
}

.faq-q,
.faq-question {
  font-weight: 800;
  color: var(--color-primary);
  font-size: 15px;
  margin-bottom: var(--spacing-xs);
}

.faq-a,
.faq-answer {
  color: var(--color-text);
  font-size: 14px;
  line-height: var(--line-height-relaxed);
}

.no-results {
  background: var(--color-bg);
  padding: var(--spacing-xl);
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border-light);
  color: #666;
  text-align: center;
}

/* ==================== INVEST METHODS ==================== */
.invest-methods {
  margin-top: var(--spacing-5xl);
  padding: var(--spacing-2xl);
}

.invest-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-3xl);
  margin-top: var(--spacing-md);
}

.invest-card {
  padding: var(--spacing-2xl);
  height: 120px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  font-weight: 700;
  color: var(--color-primary);
  background: var(--color-bg);
  border-radius: var(--radius-md);
  transition: transform var(--transition-fast);
}

.invest-card:hover {
  transform: scale(1.05);
}

.invest-card img {
  height: 140px;
  width: auto;
  margin-bottom: 0;
  object-fit: contain;
}

/* ==================== MORE INFO SECTION ==================== */
.more-info {
  margin-top: var(--spacing-5xl);
  padding: var(--spacing-2xl);
  background: var(--color-bg-alt2);
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: var(--spacing-xl);
  align-items: start;
}

.more-qa {
  list-style: none;
  padding-left: 0;
}

.more-qa li {
  margin-bottom: var(--spacing-xl);
  font-size: 14px;
}

.more-qa li div {
  color: var(--color-text-light);
  margin-top: var(--spacing-xs);
  font-size: 13px;
}

.col-right img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-sm);
}

/* ==================== TWO COLUMN SECTIONS ==================== */
.section-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: start;
  margin: var(--spacing-3xl) 0;
  padding: var(--spacing-xl);
  background: var(--color-bg-alt);
  border-radius: var(--spacing-none);
  border: 1px solid var(--color-border-light);
  box-shadow: var(--shadow-xl);
}

.section-two-col .text_faq h2,
.section-two-col .text_faq h3 {
  color: var(--color-primary);
  margin-top: 0;
  font-size: 18px;
  font-weight: 700;
}

.section-two-col .text_faq p,
.section-two-col .text_faq li {
  color: var(--color-text);
  font-size: 15px;
  line-height: var(--line-height-loose);
}

.section-two-col .text {
  flex: 1;
}

.section-two-col .side-wrap {
  flex: 1;
  display: flex;
  justify-content: center;
  align-items: center;
}

.section-two-col .side-wrap img,
.section-two-col .side-image,
.side-image {
  width: 100%;
  height: 350px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-dark);
}

/* ==================== THREE COLUMN BULLETS ==================== */
.three-cols-bullets {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-lg);
  margin: var(--spacing-xl) 0;
}

.three-cols-bullets .col {
  padding: var(--spacing-lg);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border-light);
  background: var(--color-bg);
  min-height: 140px;
  box-shadow: 0 8px 20px rgba(35, 58, 138, 0.02);
}

.three-cols-bullets .col h4 {
  margin: 0 0 var(--spacing-xs) 0;
  color: var(--color-primary);
  font-weight: 700;
  font-size: 15px;
}

.three-cols-bullets .col ul {
  list-style: disc inside;
  margin-left: var(--spacing-lg);
}

.three-cols-imagebar {
  margin-top: var(--spacing-lg);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.three-cols-imagebar img {
  width: 100%;
  height: auto;
  display: block;
}

/* ==================== FUND CARD ROW ==================== */
.fund-card-row {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--spacing-lg);
  margin-top: var(--spacing-md);
}

/* ==================== BLUE QA SECTION ==================== */
.blue-qa {
  background: linear-gradient(90deg, var(--color-primary), rgba(35, 58, 138, 0.92));
  color: var(--color-bg);
  padding: var(--spacing-xl) var(--spacing-2xl);
  margin: var(--spacing-xl) 0;
  border-radius: var(--radius-none);
  font-weight: 700;
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: var(--spacing-xl);
  box-shadow: var(--shadow-xl);
}

.blue-qa .text_faq p {
  margin: 0;
  color: var(--color-bg);
  font-weight: 500;
  line-height: var(--line-height-tight);
}

/* ==================== TABLE SECTION ==================== */
.table-wrap {
  overflow-x: auto;
  margin: var(--spacing-lg) 0;
  border-radius: var(--radius-md);
}

.rates-table,
.faq-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 420px;
  font-size: 14px;
}

.rates-table th,
.rates-table td,
.faq-table th,
.faq-table td {
  padding: var(--spacing-md) var(--spacing-lg);
  border: 1px solid var(--color-border);
  text-align: left;
  vertical-align: middle;
}

.rates-table thead th,
.faq-table th {
  background: var(--color-primary);
  color: var(--color-bg);
  font-weight: 800;
}

.rates-table tbody tr:nth-child(even) td {
  background: #fafcff;
}

.rates-note,
.table-note {
  font-size: 13px;
  color: #666;
  margin-top: var(--spacing-xs);
}

/* ==================== FUNDS CONTAINER ==================== */
.funds-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--spacing-2xl);
  margin: var(--spacing-6xl) auto;
  max-width: 1100px;
}

.fund-item {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--spacing-xl);
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}

.fund-item:hover {
  transform: translateY(-5px);
}

.fund-name {
  font-size: 18px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--spacing-xs);
}

.fund-type {
  font-size: 14px;
  font-weight: 600;
  margin-bottom: var(--spacing-xs);
  color: #555;
}

.fund-description {
  font-size: 14px;
  color: #666;
}

/* ==================== BLUE STRIP ==================== */
.blue-box {
  background: var(--color-bg);
}

.blue-strip {
  background: var(--color-primary);
  padding: var(--spacing-6xl) 5%;
  color: var(--color-bg);
}

.blue-strip h3 {
  color: var(--color-bg);
}

.blue-strip-inner {
  display: flex;
  align-items: center;
  gap: 40px;
}

.blue-left {
  flex: 1;
}

.blue-right {
  flex: 2;
}

.mutual-bullets {
  padding-left: var(--spacing-2xl);
}

.mutual-bullets li {
  margin-bottom: var(--spacing-xs);
}

/* ==================== FOUR CARDS ==================== */
.four-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--spacing-2xl);
  margin-top: var(--spacing-2xl);
}

.four-cards .card {
  background: var(--color-primary);
  border: 1px solid var(--color-border);
  color: var(--color-bg);
  padding: var(--spacing-xl);
  border-radius: var(--radius-lg);
  box-shadow: 0 8px 18px rgba(35, 58, 138, 0.05);
  text-align: center;
  transition: transform var(--transition-fast);
}

.four-cards .card:hover {
  transform: translateY(-3px);
}

.four-cards .card h5 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: var(--spacing-xs);
  color: var(--color-bg);
}

.four-cards .card p {
  font-size: 14px;
  color: var(--color-bg);
}

/* ==================== SIDE SECTION ==================== */
.side-section {
  padding: var(--spacing-6xl) 5%;
}

.side-container {
  display: flex;
  align-items: center;
  gap: 40px;
}

.left-image {
  flex: 1;
}

.left-image img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
}

.side-container .text {
  flex: 2;
}

.side-container .text h2,
.last-sec .text h2 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: var(--spacing-2xl);
}

/* ==================== BACKGROUND PENSION SECTION ==================== */
.section-two-col.bg-pension {
  display: flex;
  align-items: center;
  padding: 60px 10%;
  background: url('/Images/FAQS-Pension-21.webp') no-repeat center center/cover;
  color: var(--color-bg);
  position: relative;
  border-radius: var(--radius-none);
  overflow: hidden;
}

.section-two-col.bg-pension::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.45);
}

.section-two-col.bg-pension .text {
  position: relative;
  z-index: 2;
  max-width: 700px;
}

.section-two-col.bg-pension h2 {
  color: var(--color-bg);
}

/* ==================== ACCORDION ==================== */
.accordion-wrap {
  margin-top: var(--spacing-md);
}

.accordion {
  display: block;
  width: 100%;
  text-align: left;
  background: var(--color-bg);
  padding: var(--spacing-md) var(--spacing-lg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--spacing-xs);
  transition: background var(--transition-fast);
}

.accordion.active {
  background: var(--color-panel);
}

.panel {
  display: none;
  padding: var(--spacing-md) var(--spacing-lg);
  background: var(--color-bg-alt3);
  border-left: 3px solid var(--color-border);
  border-radius: var(--radius-sm);
  margin-bottom: var(--spacing-xs);
}

.panel.active {
  display: block;
}

/* ==================== LIST STYLES ==================== */
ul,
ol {
  list-style: none;
  margin: 0;
  padding: 0;
}

.mutual-content ul,
.section-two-col .text_faq ul,
.three-cols-bullets .col ul {
  list-style: disc inside;
  margin: var(--spacing-xs) 0 0 var(--spacing-lg);
  padding-left: var(--spacing-sm);
}

.mutual-content ul li,
.three-cols-bullets .col li {
  margin-bottom: var(--spacing-xs);
  color: var(--color-text);
}

/* ==================== UTILITY CLASSES ==================== */
.small {
  font-size: 13px;
  color: #666;
}

.section {
  padding: var(--spacing-2xl) var(--container-padding);
  margin-bottom: var(--spacing-5xl);
}

.section-title {
  font-size: 18px;
  font-weight: 700;
  text-align: center;
  margin-bottom: var(--spacing-2xl);
}

/* ==================== TABLET RESPONSIVENESS (1100px and below) ==================== */
@media (max-width: 1100px) {
  :root {
    --container-padding: 15px;
  }

  .container {
    padding: 0 15px;
  }

  .intro {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
    padding: var(--spacing-lg);
  }

  .section-two-col {
    grid-template-columns: 1fr 320px;
  }

  .section-two-col .side-wrap img {
    height: 280px;
  }

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

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

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

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

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

  .blue-strip-inner {
    gap: 30px;
  }

  .side-container {
    gap: 30px;
  }
}

/* ==================== TABLET RESPONSIVENESS (860px and below) ==================== */
@media (max-width: 860px) {
  :root {
    --spacing-xl: 15px;
    --spacing-2xl: 18px;
    --spacing-3xl: 20px;
    --container-padding: 15px;
  }

  .container {
    padding: 0 15px;
  }

  .categories {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
    padding: var(--spacing-lg);
  }

  .cat {
    height: auto;
    min-height: 90px;
    padding: var(--spacing-lg);
  }

  .cat .cat-inner {
    font-size: 16px;
    padding: var(--spacing-lg);
  }

  .intro {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
    padding: var(--spacing-lg);
  }

  .intro-left h2 {
    font-size: 18px;
  }

  .intro-right img {
    max-height: 250px;
    object-fit: cover;
  }

  .section-two-col {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
    padding: var(--spacing-lg);
  }

  .section-two-col .side-wrap img {
    height: auto;
    max-height: 300px;
  }

  .benefit-grid,
  .fund-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-md);
  }

  .three-cols-bullets {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
  }

  .fund-card-row {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-md);
  }

  .invest-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
  }

  .two-col {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
  }

  .blue-qa {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--spacing-md);
    padding: var(--spacing-lg);
    font-size: 15px;
  }

  .blue-strip-inner {
    flex-direction: column;
    gap: var(--spacing-3xl);
  }

  .side-container {
    flex-direction: column;
    gap: var(--spacing-3xl);
  }

  .four-cards {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
  }

  .funds-container {
    grid-template-columns: 1fr;
  }

  .col-md-3 {
    flex: 0 0 100%;
    max-width: 100%;
  }

  .category-box {
    width: 100%;
    height: auto;
    min-height: 120px;
  }

  h2,
  h3 {
    font-size: 17px;
  }

  .section-two-col .text_faq h2,
  .section-two-col .text_faq h3 {
    font-size: 17px;
  }

  .rates-table,
  .faq-table {
    font-size: 13px;
  }

  .rates-table th,
  .rates-table td,
  .faq-table th,
  .faq-table td {
    padding: 10px;
  }

  .section-two-col.bg-pension {
    padding: 40px 5%;
  }
}

/* ==================== MOBILE RESPONSIVENESS (640px and below) ==================== */
@media (max-width: 640px) {
  :root {
    --spacing-lg: 12px;
    --spacing-xl: 12px;
    --spacing-2xl: 15px;
    --spacing-3xl: 18px;
    --container-padding: 12px;
  }

  .container {
    padding: 0 12px;
  }

  h2 {
    font-size: 16px;
  }

  h3 {
    font-size: 14px;
  }

  p {
    font-size: 14px;
    margin-bottom: var(--spacing-md);
  }

  .lead {
    font-size: 13px;
  }

  .categories {
    gap: var(--spacing-md);
    padding: var(--spacing-md);
  }

  .cat {
    min-height: 80px;
  }

  .cat .cat-inner {
    font-size: 15px;
    padding: var(--spacing-md);
  }

  .category-box {
    width: 100%;
    max-width: 100%;
    height: auto;
    min-height: 100px;
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
  }

  .category-box h2 {
    font-size: 16px;
    margin-bottom: var(--spacing-xs);
  }

  .category-box p {
    font-size: 13px;
  }

  .intro {
    padding: var(--spacing-md);
    gap: var(--spacing-lg);
  }

  .intro-right img {
    max-height: 200px;
  }

  .section-two-col {
    padding: var(--spacing-md);
    gap: var(--spacing-lg);
    margin: var(--spacing-lg) 0;
  }

  .section-two-col .text_faq p,
  .section-two-col .text_faq li {
    font-size: 14px;
  }

  .section-two-col .side-wrap img {
    height: auto;
    max-height: 250px;
  }

  .benefit-grid,
  .fund-grid,
  .fund-card-row {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .benefit-card,
  .fund-card {
    min-height: 70px;
    padding: var(--spacing-md);
    font-size: 13px;
  }

  .invest-grid {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
  }

  .invest-card {
    height: auto;
    padding: var(--spacing-lg);
  }

  .invest-card img {
    height: auto;
    max-height: 100px;
  }

  .three-cols-bullets {
    gap: var(--spacing-md);
  }

  .three-cols-bullets .col {
    min-height: auto;
    padding: var(--spacing-md);
  }

  .three-cols-bullets .col h4 {
    font-size: 14px;
  }

  .faq-item {
    padding: var(--spacing-md) var(--spacing-lg);
  }

  .faq-q,
  .faq-question {
    font-size: 14px;
  }

  .faq-a,
  .faq-answer {
    font-size: 13px;
  }

  .blue-qa {
    padding: var(--spacing-md);
    font-size: 14px;
    gap: 10px;
  }

  .table-wrap {
    margin: var(--spacing-md) 0;
  }

  .rates-table,
  .faq-table {
    min-width: 280px;
    font-size: 11px;
    width: 100%;
  }

  .rates-table th,
  .rates-table td,
  .faq-table th,
  .faq-table td {
    padding: 6px 4px;
    word-wrap: break-word;
  }

  .table-wrap {
    -webkit-overflow-scrolling: touch;
  }

  .four-cards {
    grid-template-columns: 1fr;
    gap: var(--spacing-md);
  }

  .four-cards .card {
    padding: var(--spacing-lg);
  }

  .four-cards .card h5 {
    font-size: 15px;
  }

  .four-cards .card p {
    font-size: 13px;
  }

  .blue-strip {
    padding: var(--spacing-3xl) 5%;
  }

  .blue-strip-inner {
    gap: var(--spacing-2xl);
  }

  .side-section {
    padding: var(--spacing-3xl) 5%;
  }

  .side-container {
    gap: var(--spacing-2xl);
  }

  .side-container .text h2,
  .last-sec .text h2 {
    font-size: 16px;
    margin-bottom: var(--spacing-lg);
  }

  .left-image img {
    max-height: 220px;
    object-fit: cover;
  }

  .section-two-col.bg-pension {
    padding: 30px 5%;
  }

  .section-two-col.bg-pension .text {
    max-width: 100%;
  }

  .more-info {
    padding: var(--spacing-md);
  }

  .more-qa li {
    font-size: 13px;
    margin-bottom: var(--spacing-md);
  }

  .more-qa li div {
    font-size: 12px;
  }

  .funds-container {
    gap: var(--spacing-lg);
    margin: var(--spacing-2xl) auto;
  }

  .fund-item {
    padding: var(--spacing-lg);
  }

  .fund-name {
    font-size: 16px;
  }

  .fund-type {
    font-size: 13px;
  }

  .fund-description {
    font-size: 13px;
  }

  .benefits,
  .fund-categories {
    padding: var(--spacing-md);
    margin-top: var(--spacing-2xl);
  }

  .invest-methods {
    padding: var(--spacing-md);
    margin-top: var(--spacing-2xl);
  }

  .faq-list {
    padding: var(--spacing-md);
    margin-top: var(--spacing-2xl);
  }

  .mutual-content {
    margin-top: var(--spacing-md);
  }

  .accordion {
    padding: 10px var(--spacing-md);
    font-size: 14px;
  }

  .panel {
    padding: 10px var(--spacing-md);
    font-size: 13px;
  }

  .finance-banner {
    margin-top: var(--spacing-2xl);
  }

  .no-results {
    padding: var(--spacing-lg);
    font-size: 14px;
  }

  .rates-note,
  .table-note {
    font-size: 12px;
  }
}

/* ==================== EXTRA SMALL MOBILE (480px and below) ==================== */
@media (max-width: 480px) {
  :root {
    --spacing-lg: 10px;
    --spacing-xl: 10px;
    --spacing-2xl: 12px;
    --spacing-3xl: 15px;
    --container-padding: 10px;
  }

  .container {
    padding: 0 10px;
  }

  h2 {
    font-size: 15px;
  }

  h3 {
    font-size: 13px;
  }

  p {
    font-size: 13px;
  }

  .categories {
    gap: 10px;
    padding: 10px;
  }

  .cat {
    min-height: 70px;
  }

  .cat .cat-inner {
    font-size: 14px;
    padding: 10px;
    letter-spacing: 0.5px;
  }

  .category-box {
    min-height: 90px;
    padding: 10px;
  }

  .category-box h2 {
    font-size: 15px;
    margin-bottom: var(--spacing-xs);
  }

  .category-box p {
    font-size: 12px;
  }

  .intro {
    padding: 10px;
    gap: var(--spacing-md);
    margin-top: var(--spacing-md);
  }

  .intro-right img {
    max-height: 180px;
  }

  .section-two-col {
    padding: 10px;
    gap: var(--spacing-md);
    margin: var(--spacing-md) 0;
  }

  .section-two-col .text_faq p,
  .section-two-col .text_faq li {
    font-size: 13px;
    line-height: var(--line-height-normal);
  }

  .section-two-col .side-wrap img {
    max-height: 200px;
  }

  .benefit-card,
  .fund-card {
    min-height: 60px;
    padding: 10px;
    font-size: 12px;
  }

  .benefit-grid,
  .fund-grid,
  .fund-card-row {
    gap: 8px;
  }

  .invest-card {
    padding: var(--spacing-md);
  }

  .invest-card img {
    max-height: 80px;
  }

  .three-cols-bullets {
    gap: 10px;
  }

  .three-cols-bullets .col {
    padding: 10px;
  }

  .three-cols-bullets .col h4 {
    font-size: 13px;
    margin-bottom: var(--spacing-xs);
  }

  .three-cols-bullets .col ul {
    margin-left: 8px;
  }

  .three-cols-bullets .col li {
    font-size: 12px;
    margin-bottom: var(--spacing-xs);
  }

  .faq-item {
    padding: 10px var(--spacing-md);
    margin-bottom: 10px;
  }

  .faq-q,
  .faq-question {
    font-size: 13px;
    margin-bottom: var(--spacing-xs);
  }

  .faq-a,
  .faq-answer {
    font-size: 12px;
    line-height: var(--line-height-normal);
  }

  .blue-qa {
    padding: 10px;
    font-size: 13px;
    gap: 8px;
  }

  .blue-qa .text_faq p {
    font-size: 13px;
  }

  .rates-table,
  .faq-table {
    min-width: 280px;
    font-size: 11px;
  }

  .rates-table th,
  .rates-table td,
  .faq-table th,
  .faq-table td {
    padding: 6px;
  }

  .four-cards {
    gap: 10px;
    margin-top: var(--spacing-lg);
  }

  .four-cards .card {
    padding: var(--spacing-md);
  }

  .four-cards .card h5 {
    font-size: 14px;
    margin-bottom: var(--spacing-xs);
  }

  .four-cards .card p {
    font-size: 12px;
  }

  .blue-strip {
    padding: var(--spacing-2xl) 5%;
  }

  .blue-strip h3 {
    font-size: 15px;
  }

  .blue-strip-inner {
    gap: var(--spacing-lg);
  }

  .mutual-bullets li {
    font-size: 13px;
    margin-bottom: var(--spacing-xs);
  }

  .side-section {
    padding: var(--spacing-2xl) 5%;
  }

  .side-container {
    gap: var(--spacing-lg);
  }

  .side-container .text h2,
  .last-sec .text h2 {
    font-size: 15px;
    margin-bottom: var(--spacing-md);
  }

  .left-image img {
    max-height: 180px;
  }

  .section-two-col.bg-pension {
    padding: var(--spacing-3xl) 5%;
  }

  .section-two-col.bg-pension h2 {
    font-size: 15px;
    margin-bottom: var(--spacing-lg);
  }

  .section-two-col.bg-pension p {
    font-size: 13px;
    line-height: var(--line-height-tight);
  }

  .more-info {
    padding: 10px;
    margin-top: var(--spacing-2xl);
  }

  .more-qa li {
    font-size: 12px;
    margin-bottom: 10px;
  }

  .more-qa li div {
    font-size: 11px;
    margin-top: var(--spacing-xs);
  }

  .funds-container {
    gap: var(--spacing-md);
    margin: var(--spacing-lg) auto;
  }

  .fund-item {
    padding: var(--spacing-md);
  }

  .fund-name {
    font-size: 15px;
    margin-bottom: var(--spacing-xs);
  }

  .fund-type {
    font-size: 12px;
    margin-bottom: var(--spacing-xs);
  }

  .fund-description {
    font-size: 12px;
  }

  .benefits,
  .fund-categories {
    padding: 10px;
    margin-top: var(--spacing-lg);
  }

  .invest-methods {
    padding: 10px;
    margin-top: var(--spacing-lg);
  }

  .invest-grid {
    gap: var(--spacing-md);
  }

  .faq-list {
    padding: 10px;
    margin-top: var(--spacing-lg);
  }

  .faq-container {
    margin: var(--spacing-md) 0 var(--spacing-2xl) 0;
  }

  .mutual-content {
    margin-top: 10px;
  }

  .mutual-content ul {
    margin: var(--spacing-xs) 0 0 8px;
  }

  .mutual-content ul li {
    font-size: 12px;
    margin-bottom: var(--spacing-xs);
  }

  .accordion {
    padding: 8px 10px;
    font-size: 13px;
    margin-bottom: var(--spacing-xs);
  }

  .panel {
    padding: 8px 10px;
    font-size: 12px;
    margin-bottom: var(--spacing-xs);
  }

  .finance-banner {
    margin-top: var(--spacing-lg);
  }

  .no-results {
    padding: var(--spacing-md);
    font-size: 13px;
  }

  .rates-note,
  .table-note {
    font-size: 11px;
    margin-top: var(--spacing-xs);
  }

  .top-questions li {
    margin-bottom: var(--spacing-xs);
  }

  .top-questions .desc {
    font-size: 12px;
    margin-top: var(--spacing-xs);
  }

  .small {
    font-size: 12px;
  }

  .section-three-col,
  .section-four-col,
  .section-seven-col {
    padding: 10px;
  }
}

/* ==================== LANDSCAPE MOBILE OPTIMIZATION ==================== */
@media (max-width: 860px) and (orientation: landscape) {
  .intro-right img,
  .section-two-col .side-wrap img,
  .left-image img {
    max-height: 200px;
  }

  .section-two-col.bg-pension {
    padding: 30px 5%;
  }

  .cat {
    min-height: 80px;
  }
}

/* ==================== PRINT STYLES ==================== */
@media print {
  .container {
    max-width: 100%;
    padding: 0;
  }

  .section-two-col,
  .intro,
  .categories {
    break-inside: avoid;
  }

  .faq-item {
    break-inside: avoid;
  }

  img {
    max-width: 100%;
    page-break-inside: avoid;
  }

  .blue-strip,
  .blue-qa {
    background: #f0f0f0 !important;
    color: var(--color-text) !important;
  }

  .blue-strip h3,
  .blue-qa .text_faq p {
    color: var(--color-text) !important;
  }
}

/* ==================== ACCESSIBILITY ENHANCEMENTS ==================== */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .cat:hover,
  .benefit-card:hover,
  .fund-card:hover,
  .invest-card:hover,
  .fund-item:hover,
  .category-box:hover,
  .four-cards .card:hover {
    transform: none;
  }
}

/* ==================== HIGH CONTRAST MODE ==================== */
@media (prefers-contrast: high) {
  .category-box,
  .cat,
  .benefit-card,
  .fund-card,
  .faq-item {
    border-width: 3px;
  }

  .section-two-col,
  .intro {
    border-width: 2px;
  }
}

/* ==================== TOUCH DEVICE OPTIMIZATIONS ==================== */
@media (hover: none) and (pointer: coarse) {
  .cat,
  .category-box,
  .accordion,
  .faq-item {
    min-height: 48px;
  }

  .cat .cat-inner,
  .category-box {
    padding: var(--spacing-lg);
  }

  .cat:hover,
  .category-box:hover,
  .benefit-card:hover,
  .fund-card:hover {
    transform: none;
    box-shadow: none;
  }

  .cat,
  .category-box,
  .accordion {
    -webkit-tap-highlight-color: rgba(35, 58, 138, 0.1);
    user-select: none;
  }
}

/* ==================== SAFE AREA INSETS (for notched devices) ==================== */
@supports (padding: max(0px)) {
  .container {
    padding-left: max(var(--container-padding), env(safe-area-inset-left));
    padding-right: max(var(--container-padding), env(safe-area-inset-right));
  }

  @media (max-width: 640px) {
    .container {
      padding-left: max(12px, env(safe-area-inset-left));
      padding-right: max(12px, env(safe-area-inset-right));
    }
  }

  @media (max-width: 480px) {
    .container {
      padding-left: max(10px, env(safe-area-inset-left));
      padding-right: max(10px, env(safe-area-inset-right));
    }
  }
}

/* ==================== ADDITIONAL MOBILE FIXES ==================== */
@media (max-width: 640px) {
  body {
    overflow-x: hidden;
  }

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

  p,
  li,
  .faq-a,
  .faq-answer {
    text-rendering: optimizeLegibility;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }

  a,
  button {
    min-height: 44px;
    min-width: 44px;
  }

  .section-two-col .text_faq p,
  .mutual-content p {
    margin-bottom: var(--spacing-md);
    line-height: var(--line-height-normal);
  }

  .mutual-content ul li,
  .section-two-col .text_faq ul li {
    line-height: var(--line-height-tight);
    padding-left: var(--spacing-xs);
  }
}

/* ==================== PERFORMANCE OPTIMIZATIONS ==================== */
.intro-right img,
.section-two-col .side-wrap img,
.finance-banner img,
.left-image img {
  content-visibility: auto;
  contain: layout style paint;
}

/* ==================== END OF RESPONSIVE CSS ==================== */