/* =========================================
   SMART BANKING HUB — Design System
   ========================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

:root {
  --primary: #1a56db;
  --primary-dark: #1239a5;
  --primary-light: #e8f0fe;
  --accent: #0ea5e9;
  --accent2: #6366f1;
  --gold: #f59e0b;
  --green: #10b981;
  --bg: #f0f4ff;
  --bg2: #ffffff;
  --surface: #ffffff;
  --surface2: #f8fafc;
  --text: #0f172a;
  --text2: #475569;
  --text3: #94a3b8;
  --border: #e2e8f0;
  --shadow: 0 4px 24px rgba(26,86,219,0.10);
  --shadow-lg: 0 12px 48px rgba(26,86,219,0.18);
  --radius: 14px;
  --radius-sm: 8px;
  --radius-lg: 22px;
  --transition: 0.25s cubic-bezier(.4,0,.2,1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  min-height: 100vh;
}

/* ---- SCROLLBAR ---- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--primary); border-radius: 99px; }

/* =========================================
   HEADER / NAV
   ========================================= */
header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 20px rgba(26,86,219,0.07);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-icon {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent2) 100%);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  box-shadow: 0 4px 14px rgba(26,86,219,0.30);
}

.logo-text {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.02em;
}

.logo-text span { color: var(--primary); }

nav { display: flex; align-items: center; gap: 4px; }

nav a {
  text-decoration: none;
  color: var(--text2);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 7px 14px;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
}

nav a:hover, nav a.active {
  color: var(--primary);
  background: var(--primary-light);
}

.nav-cta {
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent2) 100%) !important;
  color: #fff !important;
  padding: 8px 20px !important;
  border-radius: 99px !important;
  font-weight: 600 !important;
  box-shadow: 0 4px 14px rgba(26,86,219,0.30);
  transition: transform var(--transition), box-shadow var(--transition) !important;
}

.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(26,86,219,0.40) !important;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--accent2) 100%) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border: none;
  background: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 99px;
  transition: all var(--transition);
}

/* =========================================
   HERO
   ========================================= */
.hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 50%, #1a56db 100%);
  color: #fff;
  padding: 100px 24px 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.20);
  border-radius: 99px;
  padding: 6px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.hero h1 em {
  font-style: normal;
  background: linear-gradient(90deg, #60a5fa, #a78bfa);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.80);
  max-width: 620px;
  margin: 0 auto 36px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 99px;
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  transition: all var(--transition);
  cursor: pointer;
  border: none;
}

.btn-primary {
  background: #fff;
  color: var(--primary);
  box-shadow: 0 4px 20px rgba(255,255,255,0.25);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(255,255,255,0.35); }

.btn-outline {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255,255,255,0.35);
}
.btn-outline:hover { background: rgba(255,255,255,0.10); transform: translateY(-2px); }

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.12);
  flex-wrap: wrap;
}

.hero-stat { text-align: center; }
.hero-stat .num {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}
.hero-stat .lbl {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 4px;
}

/* =========================================
   SECTION LAYOUTS
   ========================================= */
.section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 72px 24px;
}

.section-header {
  text-align: center;
  margin-bottom: 52px;
}

.section-label {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 99px;
  margin-bottom: 14px;
}

.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.7rem, 3.5vw, 2.6rem);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.02em;
  line-height: 1.2;
  margin-bottom: 14px;
}

.section-header p {
  color: var(--text2);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
}

/* =========================================
   CATEGORIES BAR
   ========================================= */
.categories-bar {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 0 24px;
}

.categories-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  gap: 4px;
  overflow-x: auto;
  scrollbar-width: none;
  padding: 12px 0;
}
.categories-inner::-webkit-scrollbar { display: none; }

.cat-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 18px;
  border-radius: 99px;
  font-size: 0.85rem;
  font-weight: 500;
  white-space: nowrap;
  text-decoration: none;
  color: var(--text2);
  background: var(--surface2);
  border: 1px solid var(--border);
  transition: all var(--transition);
  cursor: pointer;
}
.cat-pill:hover, .cat-pill.active {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
  box-shadow: 0 4px 14px rgba(26,86,219,0.25);
}

/* =========================================
   FEATURED POST (large card)
   ========================================= */
.featured-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 28px;
}

.featured-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
  border: 1px solid var(--border);
}
.featured-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.featured-thumb {
  height: 280px;
  background: linear-gradient(135deg, #1e3a8a 0%, #1a56db 50%, #0ea5e9 100%);
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  overflow: hidden;
}

.featured-thumb::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.4) 0%, transparent 60%);
}

.thumb-sm { height: 180px; font-size: 2.8rem; }
.thumb-grad-2 { background: linear-gradient(135deg, #1e1b4b 0%, #6366f1 50%, #8b5cf6 100%); }
.thumb-grad-3 { background: linear-gradient(135deg, #064e3b 0%, #059669 50%, #10b981 100%); }
.thumb-grad-4 { background: linear-gradient(135deg, #78350f 0%, #d97706 50%, #f59e0b 100%); }
.thumb-grad-5 { background: linear-gradient(135deg, #7f1d1d 0%, #dc2626 50%, #ef4444 100%); }
.thumb-grad-6 { background: linear-gradient(135deg, #0c4a6e 0%, #0284c7 50%, #38bdf8 100%); }

.featured-body {
  padding: 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.post-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.78rem;
  color: var(--text3);
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.post-cat {
  background: var(--primary-light);
  color: var(--primary);
  padding: 3px 10px;
  border-radius: 99px;
  font-weight: 600;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.featured-body h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 700;
  line-height: 1.3;
  color: var(--text);
  margin-bottom: 10px;
}

.featured-body h3.sm { font-size: 1.05rem; }

.featured-body p {
  color: var(--text2);
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 20px;
  flex: 1;
}

.read-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.88rem;
  text-decoration: none;
  transition: gap var(--transition);
}
.read-more:hover { gap: 10px; }

/* =========================================
   POST GRID
   ========================================= */
.posts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.post-card {
  background: var(--surface);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }

.card-thumb {
  height: 160px;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.4rem;
  overflow: hidden;
  background: linear-gradient(135deg, #1e3a8a 0%, #1a56db 100%);
}
.card-thumb::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.30) 0%, transparent 60%);
}

.card-body {
  padding: 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.card-body h3 {
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.4;
  margin-bottom: 8px;
  color: var(--text);
}
.card-body p {
  font-size: 0.87rem;
  color: var(--text2);
  line-height: 1.6;
  margin-bottom: 16px;
  flex: 1;
}

/* =========================================
   TOPICS / CATEGORY CARDS
   ========================================= */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 18px;
}

.topic-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  text-decoration: none;
  color: var(--text);
  transition: all var(--transition);
  cursor: pointer;
}
.topic-card:hover {
  border-color: var(--primary);
  background: var(--primary-light);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.topic-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 14px;
}

.topic-card h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 6px; }
.topic-card p { font-size: 0.8rem; color: var(--text3); }

/* =========================================
   NEWSLETTER BANNER
   ========================================= */
.newsletter {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 60px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.newsletter::before {
  content: '✉';
  position: absolute;
  right: -30px;
  top: -30px;
  font-size: 180px;
  opacity: 0.04;
}

.newsletter h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  margin-bottom: 10px;
}
.newsletter p {
  color: rgba(255,255,255,0.7);
  margin-bottom: 28px;
  font-size: 1rem;
}

.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 480px;
  margin: 0 auto;
  flex-wrap: wrap;
  justify-content: center;
}

.newsletter-form input {
  flex: 1;
  min-width: 220px;
  padding: 13px 20px;
  border-radius: 99px;
  border: none;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  outline: none;
  background: rgba(255,255,255,0.12);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.20);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.45); }
.newsletter-form input:focus { background: rgba(255,255,255,0.18); }

.newsletter-form button {
  background: var(--gold);
  color: #0f172a;
  border: none;
  padding: 13px 28px;
  border-radius: 99px;
  font-weight: 700;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: all var(--transition);
}
.newsletter-form button:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(245,158,11,0.40); }

/* =========================================
   TIPS / QUICK WINS
   ========================================= */
.tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}

.tip-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  gap: 16px;
  transition: all var(--transition);
}
.tip-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-3px); }

.tip-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.tip-card h4 { font-size: 0.92rem; font-weight: 700; margin-bottom: 5px; }
.tip-card p { font-size: 0.83rem; color: var(--text2); line-height: 1.5; }

/* =========================================
   FOOTER
   ========================================= */
footer {
  background: #0f172a;
  color: rgba(255,255,255,0.7);
  padding: 60px 24px 28px;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand .logo-text { color: #fff; }
.footer-brand p {
  font-size: 0.87rem;
  line-height: 1.65;
  margin-top: 14px;
  color: rgba(255,255,255,0.55);
}

.footer-col h4 {
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  text-decoration: none;
  color: rgba(255,255,255,0.55);
  font-size: 0.87rem;
  transition: color var(--transition);
}
.footer-col a:hover { color: #fff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  font-size: 0.82rem;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-links { display: flex; gap: 20px; }
.footer-links a { color: rgba(255,255,255,0.45); text-decoration: none; transition: color var(--transition); }
.footer-links a:hover { color: #fff; }

.disclaimer {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.40);
  margin-top: 24px;
  line-height: 1.6;
}

/* =========================================
   INNER PAGES (About, Contact, etc.)
   ========================================= */
.page-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1a56db 100%);
  color: #fff;
  padding: 70px 24px 60px;
  text-align: center;
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 12px;
}
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; }

.page-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px 24px;
}
.page-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 36px 0 14px;
  color: var(--text);
}
.page-content p {
  color: var(--text2);
  font-size: 0.97rem;
  line-height: 1.75;
  margin-bottom: 16px;
}
.page-content ul {
  list-style: none;
  margin-bottom: 16px;
}
.page-content ul li {
  color: var(--text2);
  font-size: 0.97rem;
  padding: 6px 0 6px 24px;
  position: relative;
  line-height: 1.65;
}
.page-content ul li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: 700;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  max-width: 1000px;
  margin: 0 auto;
  padding: 60px 24px;
}

.contact-form { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow); }
.contact-form h2 { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 700; margin-bottom: 24px; }

.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text); margin-bottom: 6px; }
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 11px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--surface2);
  outline: none;
  transition: border-color var(--transition);
}
.form-group input:focus,
.form-group textarea:focus { border-color: var(--primary); background: #fff; }
.form-group textarea { resize: vertical; min-height: 130px; }

.btn-submit {
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent2) 100%);
  color: #fff;
  border: none;
  padding: 13px 32px;
  border-radius: 99px;
  font-weight: 700;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  width: 100%;
  transition: all var(--transition);
  box-shadow: 0 4px 14px rgba(26,86,219,0.30);
}
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(26,86,219,0.40); }

.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 1.4rem; font-weight: 700; margin-bottom: 20px; }
.info-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.info-item:last-child { border-bottom: none; }
.info-icon { font-size: 1.3rem; flex-shrink: 0; }
.info-item h4 { font-size: 0.88rem; font-weight: 700; margin-bottom: 3px; }
.info-item p { font-size: 0.85rem; color: var(--text2); line-height: 1.5; }

/* =========================================
   POLICY PAGES
   ========================================= */
.policy-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px 24px;
}
.policy-content h2 { font-family: 'Playfair Display', serif; font-size: 1.3rem; font-weight: 700; margin: 32px 0 12px; color: var(--text); }
.policy-content p { color: var(--text2); font-size: 0.95rem; line-height: 1.75; margin-bottom: 14px; }
.policy-content ul { list-style: disc; padding-left: 24px; margin-bottom: 14px; }
.policy-content ul li { color: var(--text2); font-size: 0.95rem; line-height: 1.7; margin-bottom: 6px; }

/* =========================================
   UTILITIES & BACKGROUNDS
   ========================================= */
.bg-surface { background: var(--surface); }
.bg-alt { background: var(--surface2); }
.bg-dark { background: #0f172a; }

.icon-bg-blue { background: #dbeafe; }
.icon-bg-purple { background: #ede9fe; }
.icon-bg-green { background: #d1fae5; }
.icon-bg-yellow { background: #fef3c7; }
.icon-bg-red { background: #fee2e2; }
.icon-bg-sky { background: #e0f2fe; }

/* =========================================
   MOBILE RESPONSIVE
   ========================================= */
@media (max-width: 900px) {
  .featured-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  nav { display: none; }
  nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--border);
    padding: 12px 24px 20px;
    box-shadow: var(--shadow);
    z-index: 999;
  }
  .hamburger { display: flex; }
  .hero { padding: 70px 20px 56px; }
  .hero-stats { gap: 28px; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .newsletter { padding: 40px 24px; }
  .featured-thumb { height: 200px; }
}

/* =========================================
   TRENDING SCROLL
   ========================================= */
.trending-scroll {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.trending-card {
  display: flex;
  align-items: center;
  gap: 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  color: inherit;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.trending-card::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 3px;
  background: linear-gradient(to bottom, var(--primary), var(--accent2));
  border-radius: 99px;
  opacity: 0;
  transition: opacity var(--transition);
}
.trending-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow);
  transform: translateX(4px);
}
.trending-card:hover::before { opacity: 1; }

.trend-rank {
  font-size: 2rem;
  font-weight: 900;
  color: var(--border);
  min-width: 52px;
  text-align: center;
  font-family: 'Playfair Display', serif;
  line-height: 1;
  transition: color var(--transition);
}
.trending-card:hover .trend-rank { color: var(--primary); }

.trend-body { flex: 1; }
.trend-body .post-cat { margin-bottom: 6px; display: inline-block; }
.trend-body h4 {
  font-size: 0.97rem;
  font-weight: 700;
  line-height: 1.4;
  color: var(--text);
  margin: 6px 0 6px;
}
.trend-meta {
  font-size: 0.8rem;
  color: var(--text3);
  font-weight: 500;
}

/* =========================================
   RATE TABLE
   ========================================= */
.rate-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

.rate-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--surface);
  font-size: 0.9rem;
}

.rate-table thead tr {
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent2) 100%);
  color: #fff;
}
.rate-table th {
  padding: 14px 18px;
  text-align: left;
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
}
.rate-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  color: var(--text2);
  vertical-align: middle;
}
.rate-table tbody tr:last-child td { border-bottom: none; }
.rate-table tbody tr:hover { background: var(--primary-light); }
.rate-table tbody tr { transition: background var(--transition); }

.rate-icon { margin-right: 6px; }
.rate-val { font-weight: 700; color: var(--text); }
.rate-best { font-weight: 700; color: var(--green); }

.badge-up {
  background: #dcfce7; color: #166534;
  padding: 3px 10px; border-radius: 99px;
  font-size: 0.75rem; font-weight: 700; white-space: nowrap;
}
.badge-down {
  background: #dbeafe; color: #1e40af;
  padding: 3px 10px; border-radius: 99px;
  font-size: 0.75rem; font-weight: 700; white-space: nowrap;
}
.badge-neutral {
  background: #f1f5f9; color: var(--text2);
  padding: 3px 10px; border-radius: 99px;
  font-size: 0.75rem; font-weight: 700; white-space: nowrap;
}

.rate-disclaimer {
  padding: 12px 18px;
  font-size: 0.78rem;
  color: var(--text3);
  background: var(--surface2);
  border-top: 1px solid var(--border);
  text-align: center;
}

/* =========================================
   GOAL CARDS
   ========================================= */
.goal-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 22px;
}

.goal-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.goal-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent2));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.goal-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
}
.goal-card:hover::after { transform: scaleX(1); }

.goal-emoji { font-size: 2.2rem; line-height: 1; }

.goal-card h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text);
  font-family: 'Playfair Display', serif;
}

.goal-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
  flex: 1;
}
.goal-card ul li {
  font-size: 0.84rem;
  color: var(--text2);
  padding: 5px 0 5px 16px;
  position: relative;
  border-bottom: 1px dashed var(--border);
  line-height: 1.4;
}
.goal-card ul li:last-child { border-bottom: none; }
.goal-card ul li::before {
  content: '→';
  position: absolute; left: 0;
  color: var(--primary); font-weight: 700; font-size: 0.8rem;
}

.goal-cta {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  margin-top: 4px;
  transition: gap var(--transition);
}

/* =========================================
   GLOSSARY ACCORDION
   ========================================= */
.glossary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 12px;
}

.glossary-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow var(--transition);
}
.glossary-item:hover { box-shadow: var(--shadow); }

.gloss-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  background: none;
  border: none;
  font-family: 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text);
  cursor: pointer;
  text-align: left;
  gap: 12px;
  transition: background var(--transition);
}
.gloss-q:hover { background: var(--primary-light); color: var(--primary); }

.gloss-arrow {
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform var(--transition);
  line-height: 1;
}
.gloss-q.open .gloss-arrow { transform: rotate(45deg); }

.gloss-a {
  display: none;
  padding: 0 20px 18px;
  font-size: 0.87rem;
  color: var(--text2);
  line-height: 1.7;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.gloss-a.open { display: block; }

/* =========================================
   TRUST BAR
   ========================================= */
.trust-bar-wrap {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 60%, #1a56db 100%);
}

.trust-bar {
  display: flex;
  align-items: flex-start;
  gap: 0;
  flex-wrap: wrap;
}

.trust-item {
  flex: 1;
  min-width: 200px;
  text-align: center;
  padding: 12px 24px;
  color: #fff;
}

.trust-icon { font-size: 2rem; margin-bottom: 10px; }
.trust-item h4 { font-size: 0.92rem; font-weight: 700; color: #fff; margin-bottom: 6px; }
.trust-item p { font-size: 0.82rem; color: rgba(255,255,255,0.6); line-height: 1.55; }

.trust-divider {
  width: 1px;
  background: rgba(255,255,255,0.12);
  align-self: stretch;
  min-height: 80px;
}

@media (max-width: 640px) {
  .trust-divider { display: none; }
  .trust-item { border-bottom: 1px solid rgba(255,255,255,0.10); }
  .trust-item:last-child { border-bottom: none; }
  .glossary-grid { grid-template-columns: 1fr; }
  .goal-grid { grid-template-columns: 1fr; }
}

/* =========================================
   ANIMATIONS
   ========================================= */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.55s ease forwards; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }