/* ============================================================
   BankingKnowledge.ai — Premium Minimalist Design System
   Design tokens: Deep Navy + Gold + Clean White
   ============================================================ */

/* ─── DESIGN TOKENS ─────────────────────────────────────────── */
:root {
  /* Palette */
  --navy-900: #0D1F3C;
  --navy-800: #1B3A6B;
  --navy-700: #244B8A;
  --navy-600: #2E5FA8;
  --navy-100: #EEF3FA;
  --navy-50:  #F5F8FF;
  --gold-600: #C89B2E;
  --gold-500: #E8B84B;
  --gold-400: #F2CB72;
  --gold-100: #FDF6E3;
  --blue-500: #3A7BD5;
  --blue-400: #4A9EFF;
  --blue-100: #E8F2FF;

  /* Neutral */
  --white:    #FFFFFF;
  --gray-50:  #F9FAFB;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-400: #9CA3AF;
  --gray-500: #6B7280;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --gray-900: #111827;

  /* Semantic */
  --text-primary:   var(--gray-900);
  --text-secondary: var(--gray-600);
  --text-muted:     var(--gray-400);
  --bg-page:        var(--white);
  --bg-subtle:      var(--gray-50);
  --border-light:   var(--gray-200);
  --border-medium:  var(--gray-300);

  /* Success / Error / Warning */
  --green-500: #10B981;
  --green-100: #D1FAE5;
  --red-500:   #EF4444;
  --red-100:   #FEE2E2;
  --amber-500: #F59E0B;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', system-ui, -apple-system, sans-serif;

  /* Type scale */
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;
  --text-6xl:  3.75rem;

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Layout */
  --max-w:        1200px;
  --max-w-narrow: 800px;
  --radius-sm:    6px;
  --radius-md:    10px;
  --radius-lg:    16px;
  --radius-xl:    24px;
  --radius-full:  9999px;

  /* Shadows */
  --shadow-xs:  0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:  0 2px 8px rgba(0,0,0,.07);
  --shadow-md:  0 4px 20px rgba(0,0,0,.09);
  --shadow-lg:  0 8px 32px rgba(0,0,0,.12);
  --shadow-xl:  0 16px 48px rgba(0,0,0,.15);
  --shadow-card: 0 2px 12px rgba(27,58,107,.08);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4,0,0.2,1);
  --transition-base: 250ms cubic-bezier(0.4,0,0.2,1);
  --transition-slow: 400ms cubic-bezier(0.4,0,0.2,1);

  /* Header height */
  --header-h: 72px;
}

/* ─── RESET & BASE ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.65;
  color: var(--text-primary);
  background: var(--bg-page);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy-700); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--gold-600); }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* ─── SKIP LINK ─────────────────────────────────────────────── */
.skip-link {
  position: absolute; top: -100px; left: 16px;
  background: var(--navy-800); color: var(--white);
  padding: var(--space-2) var(--space-4); border-radius: var(--radius-sm);
  font-size: var(--text-sm); font-weight: 500; z-index: 1000;
  transition: top var(--transition-fast);
}
.skip-link:focus { top: 16px; }

/* ─── LAYOUT ─────────────────────────────────────────────────── */
.container {
  width: 100%; max-width: var(--max-w);
  margin: 0 auto; padding: 0 var(--space-6);
}
.container-narrow { max-width: var(--max-w-narrow); margin: 0 auto; padding: 0 var(--space-6); }
.section { padding: var(--space-20) 0; }
.section-sm { padding: var(--space-12) 0; }
.section-lg { padding: var(--space-24) 0; }

/* ─── READING PROGRESS BAR ───────────────────────────────────── */
.reading-progress {
  position: fixed; top: var(--header-h); left: 0;
  height: 2px; width: 0%;
  background: linear-gradient(90deg, var(--navy-700), var(--gold-500));
  z-index: 999; transition: width 50ms linear;
}

/* ─── HEADER ─────────────────────────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 900;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  height: var(--header-h);
  display: flex; align-items: center;
  transition: box-shadow var(--transition-base);
}
.site-header.scrolled { box-shadow: var(--shadow-md); }
.navbar {
  display: flex; align-items: center;
  gap: var(--space-8); width: 100%;
}
.nav-logo {
  display: flex; align-items: center;
  text-decoration: none; flex-shrink: 0;
}
.logo-svg { display: none; }
.logo-text {
  font-family: var(--font-body);
  font-size: var(--text-xl); letter-spacing: -0.02em;
  color: var(--navy-900);
}
.logo-text strong { font-weight: 700; color: var(--navy-800); }
.logo-text em { font-style: normal; font-size: var(--text-sm); color: var(--gold-600); font-weight: 600; }
.nav-links {
  display: flex; align-items: center; gap: var(--space-1);
  flex: 1; justify-content: center;
}
.nav-link {
  font-size: var(--text-sm); font-weight: 500;
  color: var(--gray-700); padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-sm); white-space: nowrap;
  transition: color var(--transition-fast), background var(--transition-fast);
  position: relative;
}
.nav-link::after {
  content: ''; position: absolute; bottom: 0; left: 50%; right: 50%;
  height: 2px; background: var(--gold-500); border-radius: 2px;
  transition: left var(--transition-base), right var(--transition-base);
}
.nav-link:hover, .nav-link.active { color: var(--navy-800); background: var(--navy-50); }
.nav-link.active::after, .nav-link:hover::after { left: var(--space-3); right: var(--space-3); }
.nav-actions {
  display: flex; align-items: center; gap: var(--space-3); flex-shrink: 0;
}

/* ─── BUTTONS ────────────────────────────────────────────────── */
.btn-primary-sm {
  display: inline-flex; align-items: center; justify-content: center;
  padding: var(--space-2) var(--space-5);
  background: var(--navy-800); color: var(--white);
  font-size: var(--text-sm); font-weight: 600;
  border-radius: var(--radius-full); white-space: nowrap;
  transition: background var(--transition-fast), transform var(--transition-fast), box-shadow var(--transition-fast);
  border: none; cursor: pointer;
}
.btn-primary-sm:hover { background: var(--navy-900); color: var(--white); box-shadow: var(--shadow-md); transform: translateY(-1px); }
.btn-outline-sm {
  display: inline-flex; align-items: center; justify-content: center;
  padding: var(--space-2) var(--space-5);
  background: transparent; color: var(--navy-800);
  font-size: var(--text-sm); font-weight: 500;
  border-radius: var(--radius-full); white-space: nowrap;
  border: 1.5px solid var(--navy-800);
  transition: all var(--transition-fast);
}
.btn-outline-sm:hover { background: var(--navy-800); color: var(--white); }
.btn-primary {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: var(--space-3) var(--space-8);
  background: var(--navy-800); color: var(--white);
  font-size: var(--text-base); font-weight: 600;
  border-radius: var(--radius-full);
  border: none; cursor: pointer;
  transition: all var(--transition-base);
  box-shadow: 0 4px 12px rgba(27,58,107,0.25);
}
.btn-primary:hover { background: var(--navy-900); color: var(--white); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(27,58,107,0.3); }
.btn-gold {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: var(--space-3) var(--space-8);
  background: var(--gold-500); color: var(--navy-900);
  font-size: var(--text-base); font-weight: 700;
  border-radius: var(--radius-full);
  border: none; cursor: pointer;
  transition: all var(--transition-base);
  box-shadow: 0 4px 12px rgba(232,184,75,0.35);
}
.btn-gold:hover { background: var(--gold-600); color: var(--navy-900); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(232,184,75,0.4); }
.btn-outline {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: var(--space-3) var(--space-8);
  background: transparent; color: var(--navy-800);
  font-size: var(--text-base); font-weight: 600;
  border-radius: var(--radius-full);
  border: 2px solid var(--navy-700);
  transition: all var(--transition-base);
}
.btn-outline:hover { background: var(--navy-800); color: var(--white); }
.btn-ghost {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-3);
  background: transparent; color: var(--gray-700);
  font-size: var(--text-sm); font-weight: 500;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
}
.btn-ghost:hover { background: var(--gray-100); color: var(--navy-800); }
.w-full { width: 100%; }

/* ─── USER MENU DROPDOWN ─────────────────────────────────────── */
.user-menu { position: relative; }
.dropdown-menu {
  position: absolute; top: calc(100% + var(--space-2)); right: 0;
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  min-width: 160px; overflow: hidden;
  opacity: 0; pointer-events: none;
  transform: translateY(-8px); transition: all var(--transition-fast);
  z-index: 100;
}
.user-menu:hover .dropdown-menu,
.user-menu-toggle[aria-expanded="true"] + .dropdown-menu {
  opacity: 1; pointer-events: all; transform: translateY(0);
}
.dropdown-item {
  display: block; padding: var(--space-3) var(--space-4);
  color: var(--gray-700); font-size: var(--text-sm);
  transition: all var(--transition-fast);
}
.dropdown-item:hover { background: var(--navy-50); color: var(--navy-800); }

/* ─── HAMBURGER / MOBILE NAV ────────────────────────────────── */
.nav-toggle {
  display: none;
  padding: var(--space-2); border-radius: var(--radius-sm);
  color: var(--gray-700); transition: background var(--transition-fast);
}
.nav-toggle:hover { background: var(--gray-100); }
.hamburger { display: flex; flex-direction: column; gap: 5px; width: 22px; }
.hamburger span {
  display: block; height: 2px; width: 100%;
  background: currentColor; border-radius: 2px;
  transition: all var(--transition-fast); transform-origin: left center;
}
.nav-toggle[aria-expanded="true"] .hamburger span:nth-child(1) { transform: rotate(45deg) scaleX(1.15); }
.nav-toggle[aria-expanded="true"] .hamburger span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-toggle[aria-expanded="true"] .hamburger span:nth-child(3) { transform: rotate(-45deg) scaleX(1.15); }

/* ─── HERO SECTION ───────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 60%, #1A4B8C 100%);
  color: var(--white);
  padding: var(--space-24) 0 var(--space-20);
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Crect x='0' y='0' width='1' height='80' fill='white' fill-opacity='0.03'/%3E%3Crect x='0' y='0' width='80' height='1' fill='white' fill-opacity='0.03'/%3E%3C/svg%3E");
  opacity: 0.5;
}
.hero-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr auto;
  align-items: center; gap: var(--space-16);
}
.hero-content { max-width: 680px; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: var(--space-2);
  background: rgba(232,184,75,0.15); border: 1px solid rgba(232,184,75,0.3);
  color: var(--gold-400); font-size: var(--text-sm); font-weight: 500;
  padding: var(--space-1) var(--space-4); border-radius: var(--radius-full);
  margin-bottom: var(--space-6); letter-spacing: 0.02em;
}
.hero-eyebrow svg { width: 14px; height: 14px; }
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-4xl), 5vw, var(--text-6xl));
  font-weight: 700; line-height: 1.1; letter-spacing: -0.02em;
  margin-bottom: var(--space-6); color: var(--white);
}
.hero-title .gold { color: var(--gold-400); }
.hero-subtitle {
  font-size: var(--text-xl); color: rgba(255,255,255,0.8);
  max-width: 580px; line-height: 1.6; margin-bottom: var(--space-10);
}
.hero-actions { display: flex; gap: var(--space-4); flex-wrap: wrap; }
.hero-stats {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8); padding-top: var(--space-12);
  border-top: 1px solid rgba(255,255,255,0.15); margin-top: var(--space-12);
}
.hero-stat-num {
  font-family: var(--font-display);
  font-size: var(--text-4xl); font-weight: 700; color: var(--gold-400);
  line-height: 1;
}
.hero-stat-label { font-size: var(--text-sm); color: rgba(255,255,255,0.65); margin-top: var(--space-1); }
.hero-visual {
  display: flex; align-items: center; justify-content: center;
}

/* ─── SECTION HEADERS ────────────────────────────────────────── */
.section-header { margin-bottom: var(--space-12); }
.section-eyebrow {
  display: inline-block;
  font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--gold-600);
  margin-bottom: var(--space-3);
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-3xl), 3.5vw, var(--text-4xl));
  font-weight: 700; line-height: 1.2; letter-spacing: -0.02em;
  color: var(--navy-900); margin-bottom: var(--space-4);
}
.section-subtitle {
  font-size: var(--text-lg); color: var(--text-secondary);
  max-width: 620px; line-height: 1.65;
}
.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }

/* ─── CARDS ──────────────────────────────────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}
.cards-grid-3 { grid-template-columns: repeat(3, 1fr); }
.cards-grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  transition: all var(--transition-base);
  box-shadow: var(--shadow-card);
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg, var(--navy-700), var(--blue-400));
  opacity: 0; transition: opacity var(--transition-base);
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--navy-100); }
.card:hover::before { opacity: 1; }
.card-icon {
  width: 52px; height: 52px;
  background: var(--navy-50); border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-5); color: var(--navy-700);
}
.card-icon svg { width: 26px; height: 26px; }
.card-title {
  font-size: var(--text-xl); font-weight: 700;
  color: var(--navy-900); margin-bottom: var(--space-3);
}
.card-text { font-size: var(--text-base); color: var(--text-secondary); line-height: 1.65; }
.card-link {
  display: inline-flex; align-items: center; gap: var(--space-1);
  font-size: var(--text-sm); font-weight: 600; color: var(--navy-700);
  margin-top: var(--space-5); transition: gap var(--transition-fast);
}
.card-link:hover { gap: var(--space-2); color: var(--navy-900); }
.card-link svg { width: 14px; height: 14px; }

/* Highlighted card variant */
.card-highlight {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white); border-color: transparent;
}
.card-highlight .card-icon { background: rgba(255,255,255,0.1); color: var(--gold-400); }
.card-highlight .card-title { color: var(--white); }
.card-highlight .card-text { color: rgba(255,255,255,0.75); }
.card-highlight .card-link { color: var(--gold-400); }

/* ─── PAGE HERO (inner pages) ────────────────────────────────── */
.page-hero {
  background: var(--navy-50);
  border-bottom: 1px solid var(--border-light);
  padding: var(--space-16) 0 var(--space-12);
  position: relative;
}
.page-hero-breadcrumb {
  display: flex; align-items: center; gap: var(--space-2);
  font-size: var(--text-sm); color: var(--text-secondary);
  margin-bottom: var(--space-5);
}
.page-hero-breadcrumb a { color: var(--navy-700); }
.page-hero-breadcrumb a:hover { color: var(--gold-600); }
.page-hero-breadcrumb-sep { color: var(--gray-400); }
.page-hero-eyebrow {
  display: inline-flex; align-items: center; gap: var(--space-2);
  background: var(--navy-100); color: var(--navy-700);
  font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full); margin-bottom: var(--space-4);
}
.page-hero-title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-3xl), 4vw, var(--text-5xl));
  font-weight: 700; line-height: 1.15; letter-spacing: -0.02em;
  color: var(--navy-900); margin-bottom: var(--space-5);
  max-width: 800px;
}
.page-hero-subtitle {
  font-size: var(--text-xl); color: var(--text-secondary);
  max-width: 700px; line-height: 1.65;
}
.page-hero-actions { display: flex; gap: var(--space-3); margin-top: var(--space-8); flex-wrap: wrap; }

/* ─── CONTENT SECTIONS ───────────────────────────────────────── */
.content-block { margin-bottom: var(--space-12); }
.content-block h2 {
  font-family: var(--font-display);
  font-size: var(--text-3xl); font-weight: 700;
  color: var(--navy-900); margin-bottom: var(--space-4);
  letter-spacing: -0.02em;
}
.content-block h3 {
  font-size: var(--text-2xl); font-weight: 700;
  color: var(--navy-800); margin-bottom: var(--space-3);
}
.content-block h4 { font-size: var(--text-xl); font-weight: 600; color: var(--navy-800); margin-bottom: var(--space-2); }
.content-block p { color: var(--text-secondary); line-height: 1.75; margin-bottom: var(--space-4); }
.content-block ul, .content-block ol {
  padding-left: var(--space-6); margin-bottom: var(--space-4);
  color: var(--text-secondary); line-height: 1.75;
}
.content-block ul { list-style: disc; }
.content-block ol { list-style: decimal; }
.content-block li { margin-bottom: var(--space-2); }

/* ─── HIGHLIGHT BOXES ────────────────────────────────────────── */
.highlight-box {
  background: var(--blue-100); border-left: 4px solid var(--blue-500);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: var(--space-5) var(--space-6); margin: var(--space-6) 0;
}
.highlight-box p { color: var(--navy-800); margin: 0; font-size: var(--text-sm); }
.highlight-box strong { color: var(--navy-900); }
.info-box {
  background: var(--gold-100); border-left: 4px solid var(--gold-500);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: var(--space-5) var(--space-6); margin: var(--space-6) 0;
}
.info-box p { color: var(--gray-700); margin: 0; font-size: var(--text-sm); }

/* ─── FEATURE TABLE ──────────────────────────────────────────── */
.data-table { width: 100%; border-collapse: collapse; margin: var(--space-6) 0; }
.data-table th {
  background: var(--navy-800); color: var(--white);
  padding: var(--space-4) var(--space-5);
  text-align: left; font-size: var(--text-sm); font-weight: 600;
  letter-spacing: 0.02em;
}
.data-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.data-table th:last-child { border-radius: 0 var(--radius-sm) 0 0; }
.data-table td {
  padding: var(--space-4) var(--space-5);
  font-size: var(--text-sm); border-bottom: 1px solid var(--border-light);
  color: var(--text-secondary);
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--gray-50); }
.data-table tr:hover td { background: var(--navy-50); }
.table-wrapper { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--border-light); box-shadow: var(--shadow-xs); }

/* ─── FAQ ACCORDION ──────────────────────────────────────────── */
.faq-list { display: flex; flex-direction: column; gap: var(--space-3); }
.faq-item {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-md); overflow: hidden;
  transition: box-shadow var(--transition-fast);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%; text-align: left; padding: var(--space-5) var(--space-6);
  display: flex; justify-content: space-between; align-items: center; gap: var(--space-4);
  font-size: var(--text-base); font-weight: 600; color: var(--navy-800);
  background: none; cursor: pointer;
  transition: background var(--transition-fast);
}
.faq-question:hover { background: var(--navy-50); }
.faq-icon {
  width: 24px; height: 24px; flex-shrink: 0;
  background: var(--navy-100); border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy-700); transition: transform var(--transition-base), background var(--transition-base);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--navy-700); color: var(--white); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height var(--transition-slow), padding var(--transition-base);
}
.faq-answer-inner {
  padding: 0 var(--space-6) var(--space-5);
  color: var(--text-secondary); line-height: 1.75; font-size: var(--text-base);
}
.faq-item.open .faq-answer { max-height: 600px; }

/* ─── CATEGORY FILTER ────────────────────────────────────────── */
.filter-bar {
  display: flex; gap: var(--space-2); flex-wrap: wrap;
  margin-bottom: var(--space-8);
}
.filter-btn {
  padding: var(--space-2) var(--space-4);
  border: 1.5px solid var(--border-medium); border-radius: var(--radius-full);
  font-size: var(--text-sm); font-weight: 500; color: var(--gray-600);
  background: transparent; cursor: pointer;
  transition: all var(--transition-fast);
}
.filter-btn:hover, .filter-btn.active {
  background: var(--navy-800); color: var(--white); border-color: var(--navy-800);
}

/* ─── INFO CARDS (stats/types) ───────────────────────────────── */
.info-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: var(--space-4); }
.info-card {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-md); padding: var(--space-5) var(--space-6);
  display: flex; align-items: flex-start; gap: var(--space-4);
  box-shadow: var(--shadow-xs); transition: all var(--transition-base);
}
.info-card:hover { box-shadow: var(--shadow-md); border-color: var(--navy-200); }
.info-card-dot {
  width: 10px; height: 10px; border-radius: 50%;
  background: var(--gold-500); flex-shrink: 0; margin-top: 6px;
}
.info-card-title { font-weight: 600; color: var(--navy-900); font-size: var(--text-sm); margin-bottom: var(--space-1); }
.info-card-text { color: var(--text-secondary); font-size: var(--text-sm); line-height: 1.5; }

/* ─── TWO-COL SPLIT ──────────────────────────────────────────── */
.split-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: var(--space-16); align-items: center;
}
.split-layout.reverse { direction: rtl; }
.split-layout.reverse > * { direction: ltr; }

/* ─── STEP PROCESS ───────────────────────────────────────────── */
.steps-list { display: flex; flex-direction: column; gap: var(--space-6); }
.step-item { display: flex; gap: var(--space-5); }
.step-num {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy-800); color: var(--white);
  font-weight: 700; font-size: var(--text-sm);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.step-title { font-weight: 700; color: var(--navy-900); margin-bottom: var(--space-1); }
.step-text { color: var(--text-secondary); font-size: var(--text-sm); line-height: 1.65; }

/* ─── BANNER / CTA ───────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-xl); padding: var(--space-16) var(--space-12);
  color: var(--white); text-align: center;
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 70% 50%, rgba(232,184,75,0.08), transparent 60%);
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-title {
  font-family: var(--font-display);
  font-size: clamp(var(--text-2xl), 3vw, var(--text-4xl));
  font-weight: 700; color: var(--white); margin-bottom: var(--space-4);
}
.cta-sub { font-size: var(--text-lg); color: rgba(255,255,255,0.75); max-width: 560px; margin: 0 auto var(--space-8); }
.cta-actions { display: flex; gap: var(--space-4); justify-content: center; flex-wrap: wrap; }

/* ─── NAVIGATION CARDS (Home page grid) ─────────────────────── */
.nav-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-5); }
.nav-card {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-lg); padding: var(--space-7);
  text-decoration: none; display: block;
  transition: all var(--transition-base); box-shadow: var(--shadow-card);
}
.nav-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--navy-200); color: inherit; }
.nav-card-icon {
  width: 48px; height: 48px; border-radius: var(--radius-md);
  background: var(--navy-50); color: var(--navy-700);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-4); font-size: 22px;
  transition: background var(--transition-fast);
}
.nav-card:hover .nav-card-icon { background: var(--navy-800); color: var(--white); }
.nav-card-title { font-weight: 700; color: var(--navy-900); font-size: var(--text-lg); margin-bottom: var(--space-2); }
.nav-card-text { color: var(--text-secondary); font-size: var(--text-sm); line-height: 1.6; }

/* ─── FOOTER ─────────────────────────────────────────────────── */
.site-footer {
  background: var(--navy-900); color: var(--white);
  padding: var(--space-20) 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 2fr;
  gap: var(--space-12); padding-bottom: var(--space-16);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo-text {
  font-size: var(--text-xl); letter-spacing: -0.02em;
  color: var(--white); display: block; margin-bottom: var(--space-4);
}
.footer-logo-text strong { font-weight: 700; }
.footer-logo-text em { font-style: normal; font-size: var(--text-sm); color: var(--gold-400); }
.footer-tagline { color: rgba(255,255,255,0.55); font-size: var(--text-sm); line-height: 1.7; margin-bottom: var(--space-6); }
.footer-social { display: flex; gap: var(--space-3); }
.social-link {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6); transition: all var(--transition-fast);
}
.social-link:hover { background: var(--gold-500); color: var(--navy-900); }
.footer-col-title {
  font-size: var(--text-xs); font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: rgba(255,255,255,0.4);
  margin-bottom: var(--space-5);
}
.footer-links { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-links a {
  color: rgba(255,255,255,0.65); font-size: var(--text-sm);
  transition: color var(--transition-fast);
}
.footer-links a:hover { color: var(--gold-400); }
.footer-newsletter-text { color: rgba(255,255,255,0.6); font-size: var(--text-sm); margin-bottom: var(--space-4); }
.newsletter-form { display: flex; gap: 0; }
.newsletter-input {
  flex: 1; padding: var(--space-3) var(--space-4);
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
  border-right: none; color: var(--white); font-size: var(--text-sm);
  border-radius: var(--radius-md) 0 0 var(--radius-md); outline: none;
  transition: border-color var(--transition-fast);
}
.newsletter-input::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-input:focus { border-color: var(--gold-500); }
.newsletter-btn {
  padding: var(--space-3) var(--space-4);
  background: var(--gold-500); color: var(--navy-900);
  border: none; border-radius: 0 var(--radius-md) var(--radius-md) 0;
  display: flex; align-items: center; cursor: pointer;
  transition: background var(--transition-fast);
}
.newsletter-btn:hover { background: var(--gold-600); }
.newsletter-note { font-size: var(--text-xs); margin-top: var(--space-2); }
.success-text { color: var(--green-500); }
.error-text { color: #FF7373; }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding: var(--space-6) 0; flex-wrap: wrap; gap: var(--space-4);
}
.footer-copy { color: rgba(255,255,255,0.35); font-size: var(--text-xs); }
.footer-legal { display: flex; gap: var(--space-6); }
.footer-legal a { color: rgba(255,255,255,0.35); font-size: var(--text-xs); transition: color var(--transition-fast); }
.footer-legal a:hover { color: rgba(255,255,255,0.7); }

/* ─── MODALS ──────────────────────────────────────────────────── */
.modal-overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,0.55);
  display: flex; align-items: center; justify-content: center;
  z-index: 1000; padding: var(--space-4);
}
.modal-box {
  background: var(--white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl); width: 100%; max-width: 440px;
  overflow: hidden; animation: modal-in 200ms cubic-bezier(0.34,1.56,0.64,1);
}
@keyframes modal-in { from { opacity:0; transform:scale(0.92); } to { opacity:1; transform:scale(1); } }
.modal-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: var(--space-6) var(--space-8); border-bottom: 1px solid var(--border-light);
}
.modal-header h3 { font-family: var(--font-display); font-size: var(--text-xl); color: var(--navy-900); }
.modal-close {
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--gray-100); color: var(--gray-600);
  font-size: 18px; display: flex; align-items: center; justify-content: center;
  transition: all var(--transition-fast); cursor: pointer; border: none;
}
.modal-close:hover { background: var(--gray-200); }
.modal-body { padding: var(--space-6) var(--space-8) var(--space-8); }
.modal-body p { color: var(--text-secondary); margin-bottom: var(--space-3); }
.user-email-display { background: var(--gray-50); border-radius: var(--radius-sm); padding: var(--space-3) var(--space-4); margin-bottom: var(--space-5); }

/* ─── TOAST ───────────────────────────────────────────────────── */
.toast {
  position: fixed; bottom: var(--space-6); right: var(--space-6);
  background: var(--navy-900); color: var(--white);
  padding: var(--space-3) var(--space-6); border-radius: var(--radius-md);
  font-size: var(--text-sm); font-weight: 500; z-index: 9999;
  box-shadow: var(--shadow-xl);
  transform: translateY(100px); opacity: 0;
  transition: all var(--transition-base);
}
.toast.show { transform: translateY(0); opacity: 1; }
.toast.success { border-left: 3px solid var(--green-500); }
.toast.error { border-left: 3px solid var(--red-500); }

/* ─── FORM ELEMENTS ───────────────────────────────────────────── */
.form-group { margin-bottom: var(--space-5); }
.form-label { display: block; font-size: var(--text-sm); font-weight: 600; color: var(--gray-700); margin-bottom: var(--space-2); }
.form-input, .form-select, .form-textarea {
  width: 100%; padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--border-medium); border-radius: var(--radius-md);
  font-size: var(--text-base); color: var(--text-primary);
  background: var(--white); outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(27,58,107,0.12);
}
.form-input::placeholder { color: var(--gray-400); }
.form-textarea { min-height: 120px; resize: vertical; }
.form-error { font-size: var(--text-xs); color: var(--red-500); margin-top: var(--space-1); }

/* ─── AUTH PAGES ─────────────────────────────────────────────── */
.auth-page {
  min-height: calc(100vh - var(--header-h));
  display: flex; align-items: center; justify-content: center;
  background: var(--gray-50); padding: var(--space-12) var(--space-4);
}
.auth-card {
  background: var(--white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl); padding: var(--space-10) var(--space-10);
  width: 100%; max-width: 440px;
}
.auth-logo { text-align: center; margin-bottom: var(--space-8); }
.auth-title {
  font-family: var(--font-display);
  font-size: var(--text-3xl); font-weight: 700;
  color: var(--navy-900); text-align: center; margin-bottom: var(--space-2);
}
.auth-subtitle { text-align: center; color: var(--text-secondary); font-size: var(--text-sm); margin-bottom: var(--space-8); }
.auth-divider { text-align: center; color: var(--text-muted); font-size: var(--text-sm); margin: var(--space-5) 0; position: relative; }
.auth-divider::before {
  content: ''; position: absolute; top: 50%; left: 0; right: 0;
  height: 1px; background: var(--border-light);
}
.auth-divider span { background: var(--white); padding: 0 var(--space-3); position: relative; }
.auth-footer { text-align: center; font-size: var(--text-sm); color: var(--text-secondary); margin-top: var(--space-6); }
.auth-footer a { color: var(--navy-700); font-weight: 600; }

/* ─── EXPORT / UTILITY ACTIONS ────────────────────────────────── */
.page-actions {
  display: flex; gap: var(--space-3); align-items: center;
  padding: var(--space-4) 0; border-bottom: 1px solid var(--border-light);
  margin-bottom: var(--space-8); flex-wrap: wrap;
}
.action-btn {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: var(--space-2) var(--space-4); border-radius: var(--radius-full);
  font-size: var(--text-sm); font-weight: 500; cursor: pointer;
  border: 1.5px solid var(--border-medium); color: var(--gray-700);
  background: var(--white); transition: all var(--transition-fast);
}
.action-btn:hover { border-color: var(--navy-700); color: var(--navy-700); background: var(--navy-50); }
.action-btn svg { width: 14px; height: 14px; }

/* ─── ADMIN PREVIEW BADGE ────────────────────────────────────── */
.admin-edit-bar {
  background: var(--amber-500); color: var(--navy-900);
  text-align: center; padding: var(--space-2) var(--space-4);
  font-size: var(--text-sm); font-weight: 600;
}
.admin-edit-bar a { color: var(--navy-900); text-decoration: underline; margin-left: var(--space-3); }

/* ─── BADGE ───────────────────────────────────────────────────── */
.badge {
  display: inline-block; padding: 2px 10px;
  border-radius: var(--radius-full); font-size: var(--text-xs); font-weight: 600;
}
.badge-blue { background: var(--blue-100); color: var(--navy-700); }
.badge-gold { background: var(--gold-100); color: var(--gold-600); }
.badge-green { background: var(--green-100); color: #047857; }
.badge-gray { background: var(--gray-100); color: var(--gray-600); }

/* ─── UTILITY ─────────────────────────────────────────────────── */
.sr-only { position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); border:0; }
.mt-2 { margin-top: var(--space-2); }
.mt-4 { margin-top: var(--space-4); }
.mt-8 { margin-top: var(--space-8); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-8 { margin-bottom: var(--space-8); }
.text-sm { font-size: var(--text-sm); }
.text-muted { color: var(--text-muted); }
.text-secondary { color: var(--text-secondary); }
.font-bold { font-weight: 700; }
.text-navy { color: var(--navy-800); }
.text-gold { color: var(--gold-600); }

/* ─── RESPONSIVE ─────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .nav-links { gap: 0; }
  .nav-link { padding: var(--space-2) var(--space-2); font-size: 0.8rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .cards-grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .nav-links { 
    display: none; position: fixed; top: var(--header-h); left: 0; right: 0;
    background: var(--white); flex-direction: column; align-items: stretch;
    gap: 0; padding: var(--space-4) var(--space-4) var(--space-6);
    box-shadow: var(--shadow-lg); border-top: 1px solid var(--border-light);
    z-index: 800;
  }
  .nav-links.open { display: flex; }
  .nav-link { padding: var(--space-3) var(--space-4); border-radius: var(--radius-sm); font-size: var(--text-base); }
  .nav-link::after { display: none; }
  .nav-toggle { display: flex; }
  .btn-outline-sm, .btn-primary-sm { display: none; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .split-layout { grid-template-columns: 1fr; gap: var(--space-8); }
  .split-layout.reverse { direction: ltr; }
  .nav-cards { grid-template-columns: repeat(2, 1fr); }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
  .cards-grid-3 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  :root { --header-h: 64px; }
  .container { padding: 0 var(--space-4); }
  .section { padding: var(--space-12) 0; }
  .section-lg { padding: var(--space-16) 0; }
  .hero { padding: var(--space-16) 0 var(--space-12); }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }
  .hero-stat-num { font-size: var(--text-2xl); }
  .nav-cards { grid-template-columns: 1fr; }
  .cards-grid-3 { grid-template-columns: 1fr; }
  .cards-grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .footer-bottom { flex-direction: column; text-align: center; }
  .cta-banner { padding: var(--space-10) var(--space-6); }
  .auth-card { padding: var(--space-8) var(--space-6); }
  .modal-box { margin: var(--space-4); }
  .modal-header, .modal-body { padding-left: var(--space-5); padding-right: var(--space-5); }
  .data-table th, .data-table td { padding: var(--space-3) var(--space-4); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ── Additional Page Styles ───────────────────────────────────────────── */

/* Info Cards (Retail Banking) */
.info-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.5rem; margin-top: 2rem; }
.info-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; text-align: center; box-shadow: 0 2px 12px rgba(0,0,0,.04); transition: box-shadow var(--transition); }
.info-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.08); }
.info-card__icon { width: 56px; height: 56px; margin: 0 auto 1rem; }
.info-card__icon svg { width: 100%; height: 100%; }
.info-card h4 { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy); margin: 0 0 .5rem; }
.info-card p { font-size: .9rem; color: var(--text-muted); margin: 0; line-height: 1.6; }

/* Content Grid */
.content-grid { display: grid; grid-template-columns: 1fr; gap: 3rem; }
.content-main h3 { font-family: var(--font-display); font-size: 1.5rem; color: var(--navy); margin: 0 0 1rem; }
.content-main p { color: var(--text); line-height: 1.8; margin-bottom: 1.25rem; }

/* Account Types Grid */
.account-types { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.account-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; transition: box-shadow var(--transition); }
.account-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.08); }
.account-card__header { display: flex; align-items: center; gap: .875rem; margin-bottom: 1rem; }
.account-card__header h3 { font-family: var(--font-display); font-size: 1.1rem; color: var(--navy); margin: 0; }
.account-card p { font-size: .9rem; color: var(--text-muted); line-height: 1.7; margin: 0 0 1rem; }
.feature-list { list-style: none; padding: 0; margin: 0; }
.feature-list li { font-size: .875rem; color: var(--text); padding: .3rem 0 .3rem 1.25rem; position: relative; border-top: 1px solid var(--border); }
.feature-list li:first-child { border-top: none; }
.feature-list li::before { content: '›'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }

/* Services Grid */
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 1.5rem; }
.service-item { padding: 1.5rem; border: 1px solid var(--border); border-radius: var(--radius); background: #fff; transition: box-shadow var(--transition); }
.service-item:hover { box-shadow: 0 4px 20px rgba(0,0,0,.07); }
.service-item__num { font-size: 2rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: .5rem; font-family: var(--font-display); }
.service-item h4 { font-family: var(--font-display); font-size: 1rem; color: var(--navy); margin: 0 0 .5rem; }
.service-item p { font-size: .875rem; color: var(--text-muted); line-height: 1.6; margin: 0; }

/* Services Detailed (Corporate/Private) */
.services-detailed { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 1.75rem; }
.service-block { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; transition: box-shadow var(--transition); }
.service-block:hover { box-shadow: 0 6px 24px rgba(0,0,0,.08); }
.service-block__header { display: flex; align-items: flex-start; gap: 1rem; margin-bottom: 1rem; }
.service-block__icon { flex-shrink: 0; }
.service-block__header h3 { font-family: var(--font-display); font-size: 1.1rem; color: var(--navy); margin: 0; line-height: 1.3; }
.service-block > p { font-size: .9rem; color: var(--text-muted); line-height: 1.7; margin: 0 0 1rem; }
.detail-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .4rem; }
.detail-list li { font-size: .875rem; color: var(--text); padding-left: 1.2rem; position: relative; }
.detail-list li::before { content: '•'; position: absolute; left: 0; color: var(--gold); }

/* Highlight Box */
.highlight-box { display: flex; align-items: flex-start; gap: 1rem; background: #fffbf0; border: 1px solid #f6d860; border-radius: var(--radius); padding: 1.25rem 1.5rem; margin: 1.5rem 0; }
.highlight-box__icon { flex-shrink: 0; margin-top: 2px; }
.highlight-box p { margin: 0; font-size: .9rem; color: var(--text); line-height: 1.7; }

/* Wealth Tiers */
.wealth-tiers { margin-top: 2rem; }
.wealth-tiers h3 { font-family: var(--font-display); color: var(--navy); font-size: 1.25rem; margin-bottom: 1rem; }
.tier-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.tier-card { border-radius: var(--radius); padding: 1.5rem; text-align: center; }
.tier-card--bronze { background: linear-gradient(135deg, #cd7f32 0%, #a0522d 100%); color: #fff; }
.tier-card--silver { background: linear-gradient(135deg, #c0c0c0 0%, #808080 100%); color: #fff; }
.tier-card--gold   { background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%); color: #0D1F3C; }
.tier-card__label { font-size: .75rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; margin-bottom: .4rem; opacity: .8; }
.tier-card__range { font-family: var(--font-display); font-size: 1.3rem; font-weight: 700; margin-bottom: .5rem; }
.tier-card p { font-size: .8rem; opacity: .9; margin: 0; line-height: 1.5; }

/* Process Flow */
.process-flow { display: flex; align-items: flex-start; gap: .5rem; flex-wrap: wrap; justify-content: center; margin: 2rem 0; }
.process-step { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem; text-align: center; flex: 1; min-width: 160px; max-width: 220px; }
.process-step__num { width: 36px; height: 36px; background: var(--navy); color: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .9rem; margin: 0 auto .75rem; }
.process-step h4 { font-family: var(--font-display); font-size: .95rem; color: var(--navy); margin: 0 0 .4rem; }
.process-step p { font-size: .8rem; color: var(--text-muted); line-height: 1.5; margin: 0; }
.process-arrow { font-size: 1.5rem; color: var(--gold); padding-top: 1.5rem; flex-shrink: 0; }

/* Score Explainer */
.score-factors { display: flex; flex-direction: column; gap: 1.25rem; margin-top: 1.5rem; }
.score-factor { display: grid; grid-template-columns: auto 1fr; gap: .5rem 1rem; align-items: center; }
.score-factor__bar { height: 8px; background: var(--gold); border-radius: 4px; width: var(--pct); grid-column: 1; min-width: 60px; max-width: 200px; }
.score-factor__label { font-weight: 600; font-size: .875rem; color: var(--navy); grid-column: 2; }
.score-factor p { grid-column: 2; font-size: .85rem; color: var(--text-muted); margin: 0; line-height: 1.6; }

/* Rate Comparison */
.rate-comparison { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-top: 1.5rem; }
.rate-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; }
.rate-card h3 { font-family: var(--font-display); font-size: 1.2rem; color: var(--navy); margin: 0 0 .75rem; }
.rate-card p { font-size: .875rem; color: var(--text-muted); line-height: 1.7; margin-bottom: .75rem; }
.rate-card p strong { color: var(--navy); }
.rate-card__badge { display: inline-block; font-size: .75rem; font-weight: 700; padding: .3rem .875rem; border-radius: 20px; margin-bottom: 1rem; letter-spacing: .5px; }
.rate-card__badge--fixed { background: var(--navy); color: var(--gold); }
.rate-card__badge--float { background: var(--gold); color: var(--navy); }

/* FAQ Filter Bar */
.faq-filter-bar { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 2.5rem; }
.faq-filter { background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: .5rem 1.25rem; font-size: .875rem; font-weight: 500; cursor: pointer; color: var(--text); transition: all var(--transition); }
.faq-filter:hover, .faq-filter.active { background: var(--navy); border-color: var(--navy); color: #fff; }
.faq-section { margin-bottom: 3rem; }
.faq-section__title { font-family: var(--font-display); font-size: 1.4rem; color: var(--navy); margin-bottom: 1rem; padding-bottom: .75rem; border-bottom: 2px solid var(--gold); display: inline-block; }

/* About page */
.about-intro .lead-text { font-size: 1.1rem; line-height: 1.9; color: var(--text); margin-bottom: 1.25rem; }
.about-intro p { color: var(--text-muted); line-height: 1.8; margin-bottom: 1rem; }
.values-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.5rem; margin-top: 1rem; }
.value-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; text-align: center; }
.value-card__icon { margin-bottom: 1rem; }
.value-card h3 { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy); margin: 0 0 .75rem; }
.value-card p { font-size: .875rem; color: var(--text-muted); line-height: 1.7; margin: 0; }
.about-columns { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.75rem; }
.about-col h3 { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy); margin: 0 0 .75rem; }
.about-col p { font-size: .875rem; color: var(--text-muted); line-height: 1.7; margin: 0; }
.commitment-list { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.commitment-item { display: flex; gap: .875rem; align-items: flex-start; }
.commitment-item__icon { flex-shrink: 0; margin-top: 2px; }
.commitment-item p { font-size: .875rem; color: var(--text); line-height: 1.7; margin: 0; }

/* Account page */
.account-grid { display: grid; grid-template-columns: 280px 1fr; gap: 2.5rem; align-items: start; }
.account-sidebar { display: flex; flex-direction: column; gap: 1.25rem; }
.account-profile-card { background: var(--navy); color: #fff; border-radius: var(--radius-lg); padding: 2rem; text-align: center; }
.account-avatar { margin: 0 auto 1rem; width: 80px; }
.account-profile-card h3 { font-family: var(--font-display); margin: 0 0 .3rem; font-size: 1.1rem; }
.account-profile-card p { font-size: .85rem; opacity: .7; margin: 0 0 1rem; }
.account-badge { background: var(--gold); color: var(--navy-dark); font-size: .75rem; font-weight: 700; padding: .3rem 1rem; border-radius: 20px; }
.account-features { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.5rem; }
.account-features h4 { font-family: var(--font-display); color: var(--navy); font-size: 1rem; margin: 0 0 1rem; }
.account-features ul { list-style: none; padding: 0; margin: 0 0 .75rem; display: flex; flex-direction: column; gap: .6rem; }
.account-features li { display: flex; align-items: center; gap: .5rem; font-size: .875rem; color: var(--text); }
.account-features__tip { font-size: .8rem; color: var(--text-muted); margin: 0; line-height: 1.5; }
.account-main { display: flex; flex-direction: column; gap: 2rem; }
.account-section { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; }
.account-section h2 { font-family: var(--font-display); color: var(--navy); font-size: 1.25rem; margin: 0 0 1.5rem; }
.empty-state { color: var(--text-muted); font-size: .9rem; line-height: 1.6; }

/* Admin extra badges */
.badge--admin { background: #7c3aed; color: #fff; }
.badge--user  { background: #0ea5e9; color: #fff; }
.badge--action { background: #1B3A6B; color: #E8B84B; }
.badge--draft { background: #f59e0b; color: #fff; }

/* Pagination */
.pagination { display: flex; gap: .5rem; justify-content: center; margin-top: 2rem; flex-wrap: wrap; }
.page-link { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 6px; border: 1px solid var(--border); font-size: .875rem; color: var(--text); text-decoration: none; transition: all var(--transition); }
.page-link:hover, .page-link.active { background: var(--navy); border-color: var(--navy); color: #fff; }

/* Alert */
.alert { padding: 1rem 1.25rem; border-radius: var(--radius); margin-bottom: 1.5rem; font-size: .9rem; }
.alert-success { background: #f0fdf4; border: 1px solid #86efac; color: #166534; }
.alert-error   { background: #fef2f2; border: 1px solid #fca5a5; color: #991b1b; }

/* Responsive additions */
@media (max-width: 768px) {
  .tier-cards { grid-template-columns: 1fr; }
  .rate-comparison { grid-template-columns: 1fr; }
  .commitment-list { grid-template-columns: 1fr; }
  .account-grid { grid-template-columns: 1fr; }
  .process-flow { flex-direction: column; align-items: center; }
  .process-arrow { transform: rotate(90deg); padding: 0; }
  .services-detailed { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .about-columns { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
}

/* ══ Google AdSense Containers ═══════════════════════════════════════════════ */
.ad-label {
  font-size: 10px;
  color: #aaa;
  text-align: center;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 4px;
  font-family: var(--font-body);
}

/* Header banner — shown below sticky nav on scroll */
.ad-header-banner {
  background: #f9fafb;
  border-bottom: 1px solid var(--border);
  padding: 6px 0;
  text-align: center;
  min-height: 70px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
}
.ad-header-banner__ins {
  display: block;
  min-width: 320px;
  min-height: 50px;
}

/* In-content fluid ad (between sections) */
.ad-incontent {
  background: #fafbfc;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 1rem 0;
  text-align: center;
  min-height: 130px;
}
.ad-incontent .container { max-width: 800px; }

/* Section-break ad (mid page, full width) */
.ad-section-break {
  background: #f4f6f9;
  padding: 1rem 0;
  text-align: center;
  min-height: 100px;
}

/* Pre-footer ad */
.ad-prefooter {
  background: #f9fafb;
  border-top: 1px solid var(--border);
  padding: 1.25rem 0;
  text-align: center;
  min-height: 120px;
}
.ad-prefooter__ins {
  display: block;
  min-height: 90px;
}

/* Responsive: hide header banner on tiny screens */
@media (max-width: 480px) {
  .ad-header-banner { display: none; }
}

/* Sidebar ad unit (for future sidebar layouts) */
.ad-sidebar {
  background: #f9fafb;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: .75rem;
  text-align: center;
  min-height: 260px;
  margin-bottom: 1.5rem;
}