/* Shared styles for all web pages */
:root {
  --primary: #2FA084;
  --primary-dark: #1F6F5F;
  --primary-light: #6FCF97;
  --black: #0D2420;
  --dark: #122B26;
  --dark2: #1A3B34;
  --gray: #6B8C84;
  --white: #FFFFFF;
  --off-white: #EEEEEE;
  --light-bg: #E4F2EE;
  --border-light: rgba(47,160,132,0.14);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--white); color: var(--dark); overflow-x: hidden; }

/* NAV */
.hbf-nav {
  position: sticky; top: 0; z-index: 9999;
  background: var(--white);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 80px; height: 72px;
  box-shadow: 0 2px 20px rgba(0,0,0,0.1);
}
.hbf-nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; flex-shrink: 0; }
.hbf-nav-logo img { height: 46px; width: auto; display: block; }
.hbf-nav-links { display: flex; gap: 4px; list-style: none; align-items: center; margin: 0; padding: 0; }
.hbf-nav-links > li { position: relative; }
.hbf-nav-links a {
  color: var(--dark); text-decoration: none;
  font-size: 14px; font-weight: 500;
  padding: 8px 14px; border-radius: 4px;
  transition: all 0.2s; display: block; white-space: nowrap;
}
.hbf-nav-links a:hover, .hbf-nav-links a.active { color: var(--primary); background: rgba(47,160,132,0.06); }
.hbf-nav-dropdown > a { cursor: pointer; display: flex; align-items: center; gap: 5px; }
.hbf-nav-dropdown > a::after { content: '▾'; font-size: 11px; color: var(--gray); }
.hbf-nav-dropdown:hover > a { color: var(--primary); background: rgba(47,160,132,0.06); }
.hbf-nav-dropdown-menu {
  display: none; position: absolute; top: 100%; left: 0;
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: 6px; box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  min-width: 210px; z-index: 10000; padding: 6px 0;
  /* Invisible top padding bridges the gap so hover isn't lost */
  margin-top: 0;
}
/* Bridge the visual gap between the nav link and the dropdown */
.hbf-nav-dropdown-menu::before {
  content: ''; position: absolute; top: -8px; left: 0; right: 0; height: 8px;
}
.hbf-nav-dropdown:hover .hbf-nav-dropdown-menu { display: block; }
/* Keep menu visible when cursor is between link and menu */
.hbf-nav-dropdown > a { padding-bottom: 8px; margin-bottom: -8px; }
.hbf-nav-dropdown-menu li { list-style: none; position: relative; }
.hbf-nav-dropdown-menu li a { padding: 10px 18px; font-size: 13.5px; font-weight: 500; color: var(--dark); border-radius: 0; display: flex; justify-content: space-between; align-items: center; }
.hbf-nav-dropdown-menu li a:hover { color: var(--primary); background: rgba(47,160,132,0.06); }
.hbf-nav-subdropdown > a::after { content: '›'; font-size: 16px; color: var(--gray); }
.hbf-nav-subdropdown-menu {
  display: none; position: absolute; top: 0; left: 100%;
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: 6px; box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  min-width: 230px; z-index: 10001; padding: 6px 0;
}
/* Bridge the gap between the parent item and the sub-menu */
.hbf-nav-subdropdown-menu::before {
  content: ''; position: absolute; top: 0; left: -8px; width: 8px; height: 100%;
}
.hbf-nav-subdropdown:hover .hbf-nav-subdropdown-menu { display: block; }
.hbf-nav-cta { display: flex; gap: 10px; align-items: center; flex-shrink: 0; }
.hbf-btn-outline {
  border: 1.5px solid var(--primary); color: var(--primary);
  padding: 9px 22px; border-radius: 4px; font-size: 13px; font-weight: 600;
  text-decoration: none; letter-spacing: 0.02em; transition: all 0.22s; white-space: nowrap;
}
.hbf-btn-outline:hover { background: var(--primary); color: var(--white); }
.hbf-btn-solid {
  background: var(--primary); color: var(--white);
  padding: 9px 22px; border-radius: 4px; font-size: 13px; font-weight: 600;
  text-decoration: none; letter-spacing: 0.02em; transition: all 0.22s;
  border: 1.5px solid var(--primary); white-space: nowrap;
}
.hbf-btn-solid:hover { background: var(--primary-dark); }

/* PAGE BREADCRUMB */
.page-hero {
  background: var(--black); padding: 60px 80px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; top: -80px; right: 0;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(47,160,132,0.15) 0%, transparent 65%);
}
.page-hero h1 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(36px, 4vw, 56px); font-weight: 900;
  color: var(--white); text-transform: uppercase; line-height: 1.05;
  margin-bottom: 12px; position: relative; z-index: 1;
}
.page-hero h1 em { font-style: italic; color: var(--primary); }
.breadcrumb-nav { display: flex; align-items: center; gap: 8px; list-style: none; position: relative; z-index: 1; }
.breadcrumb-nav li { font-size: 13px; color: rgba(255,255,255,0.5); }
.breadcrumb-nav li a { color: var(--primary); text-decoration: none; }
.breadcrumb-nav li a:hover { color: var(--primary-light); }
.breadcrumb-nav li::after { content: '›'; margin-left: 8px; }
.breadcrumb-nav li:last-child::after { display: none; }

/* PAGE CONTENT */
.page-content { padding: 70px 80px; max-width: 1100px; margin: 0 auto; }
.page-content h2 { font-family: 'Barlow Condensed', sans-serif; font-size: 32px; font-weight: 800; color: var(--black); text-transform: uppercase; margin: 32px 0 16px; }
.page-content h3 { font-family: 'Barlow', sans-serif; font-size: 20px; font-weight: 700; color: var(--black); margin: 24px 0 12px; }
.page-content p { font-size: 15px; line-height: 1.8; color: var(--dark); margin-bottom: 16px; }
.page-content ul { margin: 12px 0 20px 24px; }
.page-content ul li { font-size: 14.5px; line-height: 1.7; color: var(--dark); margin-bottom: 8px; }
.feature-list { list-style: none; margin: 0 0 24px; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.feature-list li { display: flex; align-items: flex-start; gap: 12px; padding: 14px 18px; border: 1px solid var(--border-light); border-radius: 6px; font-size: 14px; color: var(--dark); line-height: 1.6; }
.feature-list li::before { content: '✓'; color: var(--primary); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.info-table { width: 100%; border-collapse: collapse; margin: 24px 0; }
.info-table th { background: var(--light-bg); padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 700; color: var(--black); letter-spacing: 0.05em; text-transform: uppercase; border: 1px solid var(--border-light); }
.info-table td { padding: 12px 16px; border: 1px solid var(--border-light); font-size: 14px; color: var(--dark); }
.info-table tr:hover td { background: rgba(47,160,132,0.03); }
.rate-highlight-box { background: var(--primary); color: var(--white); padding: 32px; border-radius: 8px; margin: 28px 0; }
.rate-highlight-box h3 { color: var(--white); margin-top: 0; }
.rate-highlight-box p { color: rgba(255,255,255,0.8); }
.tab-nav { display: flex; gap: 0; border-bottom: 2px solid var(--border-light); margin-bottom: 32px; flex-wrap: wrap; }
.tab-btn { padding: 12px 24px; font-size: 14px; font-weight: 600; color: var(--dark); cursor: pointer; border: none; background: none; border-bottom: 2px solid transparent; margin-bottom: -2px; transition: all 0.2s; }
.tab-btn.active { color: var(--primary); border-bottom-color: var(--primary); }
.tab-btn:hover { color: var(--primary); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }
.btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--primary); color: var(--white); padding: 13px 28px; border-radius: 4px; font-family: 'Barlow', sans-serif; font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; text-decoration: none; border: none; cursor: pointer; transition: all 0.22s; }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); }

/* FOOTER */
.hbf-footer { background: var(--black); padding: 70px 80px 30px; border-top: 3px solid var(--primary); }
.hbf-footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 50px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,0.07); margin-bottom: 28px; }
.hbf-footer-brand-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; margin-bottom: 18px; }
.hbf-footer-brand-logo img { height: 42px; width: auto; display: block; background: var(--white); border-radius: 6px; padding: 4px 10px; }
.hbf-footer-brand p { font-size: 13.5px; line-height: 1.75; color: rgba(255,255,255,0.35); max-width: 280px; margin: 0; }
.hbf-footer-col h5 { font-family: 'Barlow', sans-serif; font-size: 12px; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: var(--white); margin-bottom: 20px; margin-top: 0; }
.hbf-footer-col a { display: block; color: rgba(255,255,255,0.4); font-size: 13.5px; text-decoration: none; margin-bottom: 10px; transition: color 0.2s; }
.hbf-footer-col a:hover { color: var(--primary); }
.hbf-footer-bottom { display: flex; justify-content: space-between; align-items: center; }
.hbf-footer-copy { font-size: 12px; color: rgba(255,255,255,0.25); margin: 0; }
.hbf-footer-copy a { color: var(--primary); text-decoration: none; }

/* ── HAMBURGER / MOBILE NAV ── */
.hbf-nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  cursor: pointer;
  padding: 8px 4px;
  background: none;
  border: none;
  z-index: 300;
  flex-shrink: 0;
}
.hbf-nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: all 0.3s ease;
}
.hbf-nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hbf-nav-hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hbf-nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.hbf-mobile-nav {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0; bottom: 0;
  background: var(--white);
  z-index: 9998;
  overflow-y: auto;
  padding: 16px 24px 48px;
  border-top: 2px solid var(--primary);
}
.hbf-mobile-nav.open { display: block; }
.hbf-mobile-nav > ul { list-style: none; }
.hbf-mobile-nav > ul > li { border-bottom: 1px solid rgba(0,0,0,0.07); }
.hbf-mobile-nav > ul > li > a {
  display: block; padding: 14px 0;
  font-size: 15px; font-weight: 500; color: var(--dark); text-decoration: none;
}
.hbf-mobile-nav > ul > li > a:hover { color: var(--primary); }
.hbf-mn-toggle {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 0; cursor: pointer;
  font-size: 15px; font-weight: 500; color: var(--dark); user-select: none;
}
.hbf-mn-toggle::after { content: '+'; font-size: 20px; color: var(--gray); line-height: 1; }
.hbf-mn-toggle.open { color: var(--primary); }
.hbf-mn-toggle.open::after { content: '−'; color: var(--primary); }
.hbf-mn-sub { display: none; padding: 4px 0 10px 16px; }
.hbf-mn-sub.open { display: block; }
.hbf-mn-sub > a {
  display: block; padding: 10px 0;
  font-size: 14px; color: var(--dark); text-decoration: none;
  border-bottom: 1px solid rgba(0,0,0,0.05);
}
.hbf-mn-sub > a:last-child { border-bottom: none; }
.hbf-mn-sub > a:hover { color: var(--primary); }
.hbf-mn-sub-label {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0; cursor: pointer;
  font-size: 14px; font-weight: 600; color: var(--dark); user-select: none;
}
.hbf-mn-sub-label::after { content: '+'; font-size: 14px; color: var(--gray); }
.hbf-mn-sub-label.open { color: var(--primary); }
.hbf-mn-sub-label.open::after { content: '−'; }
.hbf-mn-subsub { display: none; padding: 2px 0 6px 14px; }
.hbf-mn-subsub.open { display: block; }
.hbf-mn-subsub a {
  display: block; padding: 9px 0;
  font-size: 13px; color: var(--dark); text-decoration: none;
}
.hbf-mn-subsub a:hover { color: var(--primary); }
.hbf-mobile-nav-cta { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
.hbf-mobile-nav-cta a {
  text-align: center; display: block; padding: 13px 22px;
  border-radius: 4px; font-size: 14px; font-weight: 600; text-decoration: none;
}

@media (max-width: 1200px) {
  .hbf-nav { padding-left: 40px; padding-right: 40px; }
}
@media (max-width: 1024px) {
  .hbf-nav, .hbf-footer { padding-left: 32px; padding-right: 32px; }
  .hbf-nav-links { display: none; }
  .hbf-nav-cta { display: none; }
  .hbf-nav-hamburger { display: flex; }
  .page-hero, .page-content { padding-left: 32px; padding-right: 32px; }
  .hbf-footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
}
@media (max-width: 768px) {
  .hbf-nav { padding-left: 20px; padding-right: 20px; }
  .hbf-nav-links { display: none; }
  .hbf-nav-cta { display: none; }
  .hbf-nav-hamburger { display: flex; }
  .page-hero { padding: 48px 20px; }
  .page-content { padding: 48px 20px; }
  .hbf-footer { padding-left: 20px; padding-right: 20px; }
  .hbf-footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .hbf-footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  .tab-nav { overflow-x: auto; white-space: nowrap; -webkit-overflow-scrolling: touch; }
  .info-table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
}
@media (max-width: 480px) {
  .hbf-nav { height: 64px; padding: 0 16px; }
  .hbf-mobile-nav { top: 64px; }
  .hbf-nav-logo img { height: 38px; }
  .page-hero { padding: 40px 16px; }
  .page-content { padding: 40px 16px; }
  .hbf-footer { padding: 44px 16px 24px; }
  .hbf-footer-grid { grid-template-columns: 1fr; gap: 20px; }
  .tab-btn { padding: 10px 14px; font-size: 13px; }
  .feature-list li { padding: 12px 14px; }
  .rate-highlight-box { padding: 24px 20px; }
}