/* ============================================================
   VaroBankGuide.com — Main Stylesheet
   Design: Navy + Emerald Fintech Professional
   Fonts: Plus Jakarta Sans (display) + Inter (body)
   ============================================================ */

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

/* ── TOKENS ────────────────────────────────────────────────── */
:root {
  --navy:       #2C1FA8;
  --navy-dark:  #1A1172;
  --navy-light: #4336C4;
  --emerald:    #6B5CE7;
  --emerald-dk: #4336C4;
  --coral:      #8B7FFF;
  --coral-dk:   #6B5CE7;
  --bg:         #F5FAFF;
  --bg-white:   #FFFFFF;
  --card:       #FFFFFF;
  --border:     #E2E8F0;
  --text:       #1A1A2E;
  --text-sub:   #475569;
  --text-muted: #94A3B8;
  --green-bg:   #E8E4FF;
  --red-bg:     #FEF2F2;
  --red:        #EF4444;
  --yellow:     #F59E0B;
  --yellow-bg:  #FFFBEB;

  --r-sm:  6px;
  --r-md:  12px;
  --r-lg:  20px;
  --r-xl:  32px;

  --shadow-sm: 0 1px 3px rgba(27,58,107,.08);
  --shadow-md: 0 4px 16px rgba(27,58,107,.12);
  --shadow-lg: 0 12px 40px rgba(27,58,107,.16);

  --font-display: 'Plus Jakarta Sans', sans-serif;
  --font-body:    'Inter', sans-serif;
  --font-mono:    'DM Mono', monospace;

  --max-w: 1200px;
  --nav-h: 68px;
}

/* ── RESET ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
html { overflow-x: hidden; }
body { overflow-x: hidden;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--emerald-dk); }
ul { list-style: none; }

/* ── TYPOGRAPHY ─────────────────────────────────────────────── */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-display);
  line-height: 1.25;
  color: var(--navy-dark);
}
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.4rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p  { color: var(--text-sub); line-height: 1.75; margin-bottom: .75rem; }
p:last-child { margin-bottom: 0; }

/* ── LAYOUT ─────────────────────────────────────────────────── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-8 { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.text-center { text-align: center; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }

/* ── NAVIGATION ─────────────────────────────────────────────── */
.nav {
  position: relative;
  z-index: 100;
  background: var(--navy-dark);
  height: var(--nav-h);
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 100%; }
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.5rem;
  color: #fff;
  text-decoration: none;
}
.nav-logo-icon { display: none; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  color: rgba(255,255,255,.8);
  font-size: .9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--r-sm);
  transition: all .2s;
}
.nav-links a:hover,
.nav-links a.active { color: #fff; background: rgba(255,255,255,.12); }
.nav-cta {
  background: var(--emerald) !important;
  color: var(--navy-dark) !important;
  font-weight: 700 !important;
  padding: 9px 20px !important;
}
.nav-cta:hover { background: var(--emerald-dk) !important; }
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-hamburger span {
  display: block; width: 24px; height: 2px;
  background: #fff; border-radius: 2px;
  transition: all .3s;
}
.nav-mobile {
  display: none;
  position: absolute;
  top: var(--nav-h);
  left: 0; right: 0;
  background: var(--navy-dark);
  padding: 16px 24px 24px;
  flex-direction: column;
  gap: 4px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  color: rgba(255,255,255,.85);
  font-size: .95rem;
  font-weight: 500;
  padding: 10px 12px;
  border-radius: var(--r-sm);
}
.nav-mobile a:hover { background: rgba(255,255,255,.1); color: #fff; }

/* ── HERO ────────────────────────────────────────────────────── */
.hero {
  position: relative;
  padding: 72px 0 80px;
  overflow: hidden;
  background-color: #3D2FB5;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("../img/varoherobg.jpg");
  background-image: -webkit-image-set(url("../img/varoherobg.webp") 1x);
  background-image: image-set(url("../img/varoherobg.webp") type("image/webp"), url("../img/varoherobg.jpg") type("image/jpeg"));
  background-size: cover;
  background-position: center top;
  background-repeat: no-repeat;
  opacity: 0.38;
  z-index: 0;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(44,31,168,0.72) 0%,
    rgba(67,54,196,0.58) 55%,
    rgba(107,92,231,0.42) 100%
  );
  z-index: 1;
  pointer-events: none;
}
.hero-content { position: relative; z-index: 2; }
.hero-grid { position: relative; z-index: 2; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.18);
  border: 1px solid rgba(255,255,255,.45);
  color: #ffffff;
  font-size: .8rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 99px;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: .05em;
}
.hero h1 { color: #fff; margin-bottom: 16px; }
.hero p   { color: rgba(255,255,255,.92); font-size: 1.1rem; max-width: 640px; }
.hero-meta {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-top: 12px;
  flex-wrap: wrap;
}
.hero-meta span {
  color: rgba(255,255,255,.6);
  font-size: .85rem;
  display: flex;
  align-items: center;
  gap: 6px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 56px;
  align-items: center;
}
.score-card {
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-xl);
  padding: 32px;
  backdrop-filter: blur(10px);
}
.score-title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .85rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.6);
  margin-bottom: 20px;
}
.score-gauge {
  position: relative;
  width: 140px;
  height: 140px;
  margin: 0 auto 20px;
}
.score-gauge svg { transform: rotate(-90deg); }
.score-gauge-bg { fill: none; stroke: rgba(255,255,255,.1); stroke-width: 10; }
.score-gauge-fill {
  fill: none;
  stroke: var(--emerald);
  stroke-width: 10;
  stroke-linecap: round;
  stroke-dasharray: 352;
  stroke-dashoffset: 352;
  transition: stroke-dashoffset 1.5s ease;
}
.score-number {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}
.score-number .num {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}
.score-number .label {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  margin-top: 4px;
}
.score-rows { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
.score-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.score-row-label { color: rgba(255,255,255,.7); font-size: .85rem; }
.score-bar-wrap {
  flex: 1;
  height: 6px;
  background: rgba(255,255,255,.1);
  border-radius: 99px;
  overflow: hidden;
}
.score-bar {
  height: 100%;
  background: var(--emerald);
  border-radius: 99px;
  transition: width 1.2s ease .3s;
}
.score-row-val {
  font-family: var(--font-mono);
  font-size: .8rem;
  font-weight: 500;
  color: var(--emerald);
  min-width: 28px;
  text-align: right;
}

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--r-md);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
  line-height: 1;
}
.btn-primary {
  background: var(--emerald);
  color: var(--navy-dark);
}
.btn-primary:hover {
  background: var(--emerald-dk);
  color: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(107,92,231,.35);
}
.btn-secondary {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,.35);
}
.btn-secondary:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.6);
  color: #fff;
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: #fff;
}
.btn-coral {
  background: var(--coral);
  color: #fff;
}
.btn-coral:hover {
  background: var(--coral-dk);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(249,115,22,.35);
}
.btn-sm { padding: 10px 18px; font-size: .875rem; }
.btn-lg { padding: 17px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-group { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }

/* ── CARDS ──────────────────────────────────────────────────── */
.card {
  background: var(--card);
  border-radius: var(--r-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}
.card-hover {
  transition: all .25s;
}
.card-hover:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: rgba(16,185,129,.3);
}
.card-icon {
  width: 48px; height: 48px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}
.card-icon.navy { background: #EDE9FF; }
.card-icon.green { background: var(--green-bg); }
.card-icon.coral { background: #EDE9FF; }
.card-icon.yellow { background: var(--yellow-bg); }

/* ── SECTION HEADER ─────────────────────────────────────────── */
.section-header { text-align: center; max-width: 700px; margin: 0 auto 48px; }
.section-eyebrow {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--emerald-dk);
  margin-bottom: 12px;
}
.section-header h2 { margin-bottom: 12px; }
.section-header p { font-size: 1.05rem; }

/* ── STATS BAR ──────────────────────────────────────────────── */
.stats-bar {
  background: var(--navy-dark);
  padding: 28px 0;
}
.stats-inner {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 24px;
  text-align: center;
}
.stat-item {}
.stat-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  color: var(--emerald);
  line-height: 1;
}
.stat-label {
  font-size: .8rem;
  color: rgba(255,255,255,.6);
  margin-top: 4px;
}

/* ── PROS / CONS ────────────────────────────────────────────── */
.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.pros-box, .cons-box {
  border-radius: var(--r-lg);
  padding: 24px;
}
.pros-box { background: var(--green-bg); border: 1px solid #C4BBFF; }
.cons-box { background: var(--red-bg); border: 1px solid #FECACA; }
.pros-box h4 { color: #2C1FA8; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.cons-box h4 { color: #991B1B; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.check-list { display: flex; flex-direction: column; gap: 10px; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .9rem;
  color: var(--text-sub);
}
.check-list li::before {
  content: '✓';
  font-weight: 700;
  font-size: .85rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.pros-box .check-list li::before { color: var(--emerald-dk); }
.cons-box .check-list li::before { content: '✕'; color: var(--red); }

/* ── COMPARISON TABLE ───────────────────────────────────────── */
.compare-table { width: 100%; border-collapse: collapse; margin-top: 24px; }
.compare-table th, .compare-table td {
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .9rem;
}
.compare-table th {
  background: var(--navy-dark);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 600;
}
.compare-table th:first-child { border-radius: var(--r-sm) 0 0 0; }
.compare-table th:last-child  { border-radius: 0 var(--r-sm) 0 0; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: #F8FAFC; }
.compare-table .highlight-col { background: rgba(107,92,231,.06); font-weight: 600; }
.badge-good {
  display: inline-flex; align-items: center; gap: 4px;
  background: var(--green-bg);
  color: #2C1FA8;
  font-size: .78rem; font-weight: 600;
  padding: 3px 8px; border-radius: 99px;
}
.badge-bad {
  display: inline-flex; align-items: center; gap: 4px;
  background: var(--red-bg);
  color: #991B1B;
  font-size: .78rem; font-weight: 600;
  padding: 3px 8px; border-radius: 99px;
}
.badge-ok {
  display: inline-flex; align-items: center; gap: 4px;
  background: var(--yellow-bg);
  color: #92400E;
  font-size: .78rem; font-weight: 600;
  padding: 3px 8px; border-radius: 99px;
}

/* ── CTA BANNER ─────────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-light) 100%);
  border-radius: var(--r-xl);
  padding: 56px 48px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::after {
  content: '';
  position: absolute;
  right: -60px; top: -60px;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(107,92,231,.2), transparent 70%);
  pointer-events: none;
}
.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p  { color: rgba(255,255,255,.7); font-size: 1.05rem; margin-bottom: 28px; }

/* ── ALERT / INFO BOX ───────────────────────────────────────── */
.alert {
  border-radius: var(--r-md);
  padding: 16px 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin: 20px 0;
}
.alert-info  { background: #EFF6FF; border-left: 4px solid #3B82F6; }
.alert-warn  { background: var(--yellow-bg); border-left: 4px solid var(--yellow); }
.alert-success { background: var(--green-bg); border-left: 4px solid var(--emerald); }
.alert-icon  { font-size: 1.2rem; flex-shrink: 0; margin-top: 1px; }
.alert p     { font-size: .9rem; margin: 0; }
.alert strong { color: var(--text); }

/* ── FAQ ────────────────────────────────────────────────────── */
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy-dark);
}
.faq-q .faq-icon { font-size: 1.2rem; flex-shrink: 0; transition: transform .3s; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 0 20px;
}
.faq-a p { font-size: .95rem; }
.faq-item.open .faq-a { display: block; }

/* ── BREADCRUMB ─────────────────────────────────────────────── */
.breadcrumb {
  background: rgba(255,255,255,.5);
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
}
.breadcrumb-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: var(--text-muted);
}
.breadcrumb-inner a { color: var(--navy); }
.breadcrumb-inner a:hover { color: var(--emerald-dk); }
.breadcrumb-sep { color: var(--text-muted); }

/* ── SIDEBAR LAYOUT ─────────────────────────────────────────── */
.content-sidebar {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 40px;
  align-items: start;
}
.sidebar-sticky { position: sticky; top: 20px; }
.sidebar-card {
  background: var(--card);
  border-radius: var(--r-lg);
  padding: 24px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  margin-bottom: 20px;
}
.sidebar-card h4 { color: var(--navy-dark); margin-bottom: 16px; font-size: 1rem; }
.toc-list { display: flex; flex-direction: column; gap: 4px; }
.toc-list a {
  color: var(--text-sub);
  font-size: .875rem;
  padding: 6px 10px;
  border-radius: var(--r-sm);
  display: flex; align-items: center; gap: 6px;
  transition: all .2s;
}
.toc-list a::before {
  content: '';
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--text-muted);
  flex-shrink: 0;
}
.toc-list a:hover {
  background: var(--green-bg);
  color: var(--emerald-dk);
}
.toc-list a:hover::before { background: var(--emerald); }
.toc-list a.active {
  background: var(--green-bg);
  color: var(--emerald-dk);
  font-weight: 600;
}

/* ── PRODUCT CARD (Alternatives / Apps) ─────────────────────── */
.product-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  transition: all .25s;
}
.product-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(16,185,129,.3);
}
.product-card-rank {
  width: 36px; height: 36px;
  background: var(--navy-dark);
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: .9rem;
  flex-shrink: 0;
}
.product-card-logo {
  width: 52px; height: 52px;
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
  border: 1px solid var(--border);
  background: #fff;
}
.product-card-body { flex: 1; }
.product-card-body h4 { color: var(--navy-dark); margin-bottom: 4px; }
.product-card-meta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin: 10px 0;
}
.product-card-meta span {
  font-size: .8rem;
  color: var(--text-muted);
  display: flex; align-items: center; gap: 4px;
}
.product-card-meta strong { color: var(--text); }
.product-card-cta { flex-shrink: 0; }

/* ── CALCULATOR ─────────────────────────────────────────────── */
.calc-wrap {
  background: var(--card);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 800px;
  margin: 0 auto;
}
.calc-header {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  padding: 36px 40px;
  color: #fff;
}
.calc-header h2 { color: #fff; margin-bottom: 8px; }
.calc-header p  { color: rgba(255,255,255,.75); }
.calc-body { padding: 40px; }
.calc-field { margin-bottom: 28px; }
.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.calc-label span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .9rem;
  color: var(--text);
}
.calc-val {
  font-family: var(--font-mono);
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--emerald-dk);
}
input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 99px;
  background: var(--border);
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--emerald);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,.2);
  cursor: pointer;
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-results {
  background: var(--bg);
  border-radius: var(--r-lg);
  padding: 28px;
  margin-top: 8px;
}
.calc-results-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy-dark);
  margin-bottom: 20px;
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-label { font-size: .9rem; color: var(--text-sub); }
.calc-result-value {
  font-family: var(--font-mono);
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
}
.calc-result-value.highlight { color: var(--coral); font-weight: 700; font-size: 1.1rem; }
.calc-result-value.good { color: var(--emerald-dk); }

/* ── RATING STARS ───────────────────────────────────────────── */
.stars { display: flex; gap: 2px; }
.star { color: var(--yellow); font-size: 1rem; }
.star.empty { color: var(--border); }
.rating-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}
.rating-row:last-child { border-bottom: none; }
.rating-label { font-size: .9rem; color: var(--text-sub); }
.rating-right { display: flex; align-items: center; gap: 10px; }
.rating-bar-wrap { width: 100px; height: 6px; background: var(--border); border-radius: 99px; overflow: hidden; }
.rating-bar-fill { height: 100%; background: var(--yellow); border-radius: 99px; }
.rating-score { font-family: var(--font-mono); font-size: .85rem; font-weight: 500; color: var(--text); min-width: 28px; text-align: right; }

/* ── FOOTER ─────────────────────────────────────────────────── */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.65);
  padding: 64px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}
.footer-brand p { font-size: .875rem; line-height: 1.7; margin-top: 12px; color: rgba(255,255,255,.55); }
.footer-col h5 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .875rem;
  color: #fff;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: .05em;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  font-size: .875rem;
  color: rgba(255,255,255,.55);
  transition: color .2s;
}
.footer-col ul a:hover { color: var(--emerald); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 28px;
  display: flex;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: .78rem; color: rgba(255,255,255,.4); margin: 0; line-height: 1.6; }
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--emerald); }
.disclaimer {
  font-size: .8rem;
  color: rgba(255,255,255,.45);
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 20px;
  margin-top: 20px;
  line-height: 1.7;
}

/* ── AFFILIATE DISCLOSURE ───────────────────────────────────── */
.affiliate-bar {
  background: var(--yellow-bg);
  border-bottom: 1px solid #FDE68A;
  padding: 10px 0;
  text-align: center;
}
.affiliate-bar p {
  font-size: .78rem;
  color: #92400E;
  margin: 0;
}

/* ── PAGE HEADER (inner pages) ──────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-light) 100%);
  padding: 52px 0;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,17,114,.15) 0%, rgba(107,92,231,.08) 100%);
  pointer-events: none;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p  { color: rgba(255,255,255,.75); max-width: 640px; }

/* ── UTILITY ────────────────────────────────────────────────── */
.text-emerald { color: var(--emerald-dk); }
.text-coral   { color: var(--coral); }
.text-navy    { color: var(--navy); }
.text-muted   { color: var(--text-muted); }
.font-mono    { font-family: var(--font-mono); }
.font-display { font-family: var(--font-display); }
.fw-700 { font-weight: 700; }
.fw-800 { font-weight: 800; }
.divider { border: none; border-top: 1px solid var(--border); margin: 32px 0; }
.tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--green-bg);
  color: #2C1FA8;
  font-size: .75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 99px;
}
.tag.navy { background: #EDE9FF; color: var(--navy); }
.tag.coral { background: #EDE9FF; color: var(--coral-dk); }

/* ── RESPONSIVE ─────────────────────────────────────────────── */

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE BREAKPOINTS (mobile-first, refined)
   ═══════════════════════════════════════════════════════════
   Desktop:      1200px+     — default (max container 1140px)
   Laptop:       992-1199px  — slight condensation
   Tablet:       768-991px   — 2-column, hamburger
   Mobile L:     480-767px   — 1-column stacks
   Mobile S:     <480px      — tightest, single column
*/

/* ── LAPTOP: 992–1199px ─────────────────────────────────── */
@media (max-width: 1199px) {
  .container { padding: 0 32px; }
  .hero-grid { gap: 32px; }
  .stats-inner { gap: 20px; }
  .stats-inner .stat-num { font-size: 2rem; }
}

/* ── TABLET: 768–991px ──────────────────────────────────── */
@media (max-width: 991px) {
  .container { padding: 0 24px; }

  /* Nav */
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  /* Hero — stack score card below headline */
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero .btn-group { flex-wrap: wrap; }
  .score-card {
    max-width: 480px;
    margin: 0 auto;
  }

  /* Grids collapse to 2 columns */
  .grid-3 { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .stats-inner { grid-template-columns: repeat(4, 1fr); gap: 16px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .content-sidebar { grid-template-columns: 1fr; }
  .sidebar-sticky { position: static; }

  /* Sections spacing */
  .section    { padding: 56px 0; }
  .section-sm { padding: 40px 0; }
  .section-header { margin-bottom: 32px; }
  .section-header p { font-size: .95rem; }

  /* Trust bar - reduce gaps and shrink dividers */
  .trust-bar-row { gap: 20px !important; }
}

/* ── MOBILE LARGE: 480–767px ─────────────────────────────── */
@media (max-width: 767px) {
  .container { padding: 0 16px; }

  /* Typography scaling */
  h1 { font-size: clamp(1.6rem, 6vw, 2rem); line-height: 1.2; }
  h2 { font-size: clamp(1.3rem, 5vw, 1.6rem); line-height: 1.25; }
  h3 { font-size: 1.15rem; }
  body { font-size: 15px; }

  /* Nav */
  .nav-inner { padding: 12px 0; }
  .nav-logo span { font-size: 1.25rem !important; }

  /* Hero */
  .hero { padding: 48px 0 56px; }
  .hero-badge { font-size: .72rem; padding: 5px 12px; }
  .hero p { font-size: 1rem; }
  .hero-meta { gap: 12px; font-size: .8rem; }
  .hero-meta span { font-size: .78rem; }
  .btn-group { flex-direction: column; align-items: stretch; }
  .btn-group .btn { width: 100%; text-align: center; }

  /* Score card */
  .score-card { padding: 24px 20px; max-width: 100%; }
  .score-gauge svg { width: 120px; height: 120px; }
  .score-number .num { font-size: 2.4rem; }

  /* Grids all → 1 column */
  .grid-2 { grid-template-columns: 1fr; gap: 20px; }
  .grid-3 { grid-template-columns: 1fr; gap: 20px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .pros-cons { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; text-align: center; }
  .footer-brand p { text-align: center; }

  /* Stats bar 2×2 */
  .stats-bar { padding: 24px 0; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); gap: 20px 12px; }
  .stat-num { font-size: 1.6rem !important; }
  .stat-label { font-size: .72rem !important; }

  /* Trust signals bar - vertical stack */
  .trust-bar-row {
    flex-direction: column !important;
    gap: 10px !important;
    text-align: center;
  }
  .trust-bar-row > div[style*="width:1px"] { display: none !important; }

  /* Cards */
  .card { padding: 20px 18px; }

  /* Product overview cards */
  .product-card { padding: 20px; }

  /* Tables — enable horizontal scroll wrapper */
  .table-wrap, .card > table {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  .compare-table { font-size: .78rem; min-width: 560px; }
  .compare-table th, .compare-table td { padding: 8px 10px; }

  /* Fee table */
  .fee-table th, .fee-table td { padding: 10px 8px; font-size: .82rem; }

  /* Calculator */
  .calc-body { padding: 20px; }
  .calc-tabs { flex-wrap: wrap; }
  .calc-tab { flex: 1 1 auto; font-size: .82rem; padding: 10px 12px; }

  /* CTA banners */
  .cta-banner { padding: 28px 20px; border-radius: 14px; }
  .cta-banner h2 { font-size: 1.3rem; }
  .cta-banner p { font-size: .9rem; }
  .cta-banner .flex-center { gap: 12px !important; }
  .cta-banner .btn { width: 100%; }

  /* Sections */
  .section    { padding: 40px 0; }
  .section-sm { padding: 28px 0; }
  .section-header { margin-bottom: 24px; }

  /* Form section */
  #apply-form { padding: 40px 0 48px !important; }
  #apply-form > .container > div:first-child { margin-bottom: 20px !important; }
  #apply-form h2 { font-size: 1.4rem; }
  #apply-form > .container > div[style*="max-width:760px"] {
    max-width: 100% !important;
    border-radius: 14px !important;
  }
  #apply-form > .container > div[style*="max-width:760px"] > div:last-child {
    padding: 20px !important;
  }

  /* Editorial team image */
  #editorial-team img { max-height: 260px !important; }
  #editorial-team > .container > div[style*="border-radius:20px"] {
    padding: 24px 20px !important;
  }
  #editorial-team .grid-2 { gap: 24px !important; }

  /* Trustpilot rating panel — stack score elements */
  #trustpilot-reviews > .container > div[style*="background:#E8E4FF"] {
    padding: 24px 20px !important;
  }
  #trustpilot-reviews > .container > div[style*="background:#E8E4FF"] > div {
    flex-direction: column !important;
    gap: 24px !important;
  }

  /* FAQ */
  .faq-q { font-size: .95rem; padding: 14px 16px; }
  .faq-a p { font-size: .9rem; }

  /* Back to top */
  .back-to-top { bottom: 20px; right: 16px; width: 44px; height: 44px; }

  /* Author byline */
  div[style*="Written &amp;"] { flex-direction: column !important; align-items: flex-start !important; gap: 12px !important; }

  /* TOC */
  section[style*="F5FAFF"] div[style*="max-width:820px"] { padding: 20px 18px !important; }
  section[style*="F5FAFF"] div[style*="grid-template-columns:repeat(auto-fit"] {
    grid-template-columns: 1fr !important;
    gap: 0 !important;
  }

  /* Legal pages */
  .legal-hero { padding: 40px 0 32px; }
  .legal-hero h1 { font-size: 1.5rem; }
  .legal-body { padding: 32px 16px 48px; }
  .legal-section h2 { font-size: 1.15rem; }
  .legal-section p, .legal-section li { font-size: .9rem; }
  .legal-toc { padding: 20px 22px; }
  .legal-table { font-size: .82rem; display: block; overflow-x: auto; }
}

/* ── MOBILE SMALL: <480px ────────────────────────────────── */
@media (max-width: 479px) {
  .container { padding: 0 14px; }

  /* Extra-tight typography */
  h1 { font-size: 1.6rem; }
  h2 { font-size: 1.25rem; }

  /* Hero */
  .hero { padding: 40px 0 48px; }
  .hero-badge { font-size: .68rem; padding: 4px 10px; letter-spacing: .04em; }
  .hero-meta { gap: 8px 16px; }

  /* Score card */
  .score-card { padding: 20px 16px; }
  .score-title { font-size: .78rem; letter-spacing: .08em; }
  .score-gauge svg { width: 108px; height: 108px; }
  .score-number .num { font-size: 2.2rem; }
  .score-row-label { font-size: .78rem; }
  .score-row-val { font-size: .82rem; }

  /* Grids fully 1-col */
  .grid-4 { grid-template-columns: 1fr; gap: 12px; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }

  /* Buttons */
  .btn { padding: 12px 20px; font-size: .9rem; }
  .btn-lg { padding: 14px 22px; font-size: .95rem; }
  .btn-sm { padding: 8px 14px; font-size: .8rem; }

  /* Sections */
  .section    { padding: 32px 0; }
  .section-sm { padding: 24px 0; }
  .section-header { margin-bottom: 20px; }
  .section-header p { font-size: .88rem; }
  .section-eyebrow { font-size: .72rem !important; }

  /* Trustpilot rating breakdown */
  #trustpilot-reviews div[style*="min-width:220px"] { min-width: 100% !important; }
  #trustpilot-reviews div[style*="min-width:140px"] { min-width: 100% !important; }

  /* Editorial author cards - reduce padding */
  #editorial-team .card { padding: 20px 16px; }
  #editorial-team .card h4 { font-size: 1rem; }

  /* User review cards */
  #trustpilot-reviews .card { padding: 18px 16px; }

  /* Sitemap cards - keep readable */
  .sitemap-card-body { padding: 12px 16px; }
  .sitemap-link-label { font-size: .82rem; }
  .sitemap-stats { grid-template-columns: 1fr 1fr; gap: 12px; }
  .sitemap-stat { padding: 14px 8px; }
  .sitemap-stat .num { font-size: 1.5rem; }

  /* Footer */
  .footer { padding: 40px 0 24px; }
  .footer-brand p { font-size: .85rem; }

  /* Table minimum width */
  .compare-table { min-width: 480px; }
}

/* ── LARGE DESKTOP: 1400px+ ──────────────────────────────── */
@media (min-width: 1400px) {
  .container { max-width: 1200px; }
}

/* ── PRINT & MOTION ──────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
@media print {
  .nav, .footer, .back-to-top, #apply-form, .cta-banner { display: none; }
  body { color: #000; background: #fff; }
  a { color: #000; text-decoration: underline; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* ── BACK TO TOP ────────────────────────────────────────────── */
.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 28px;
  z-index: 999;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #2C1FA8;
  border: 2px solid #6B5CE7;
  color: #fff;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .3s, transform .3s, background .2s, box-shadow .2s;
  box-shadow: 0 4px 16px rgba(44,31,168,.35);
  text-decoration: none;
}
.back-to-top.visible {
  opacity: 1;
  transform: translateY(0);
}
.back-to-top:hover {
  background: #6B5CE7;
  border-color: #A99FFF;
  box-shadow: 0 8px 24px rgba(107,92,231,.5);
  color: #fff;
}
@media (max-width: 480px) {
  .back-to-top { bottom: 20px; right: 16px; width: 42px; height: 42px; }
}


/* ═══════════════════════════════════════════════════════════
   PERFORMANCE OPTIMIZATIONS (v25)
   ═══════════════════════════════════════════════════════════ */

/* Reduce paint work on off-screen sections */
.section {
  content-visibility: auto;
  contain-intrinsic-size: auto 800px;
}

/* Optimize image rendering */
img, picture {
  max-width: 100%;
  height: auto;
}

/* Hardware acceleration for smooth animations */
.card, .btn, .nav-cta {
  will-change: auto;
  transform: translateZ(0);
}

/* Reduce motion for accessibility */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html {
    scroll-behavior: auto;
  }
}


/* ═══════════════════════════════════════════════════════════
   RELATED ARTICLES WIDGET STYLES (v25)
   ═══════════════════════════════════════════════════════════ */
.grid-3 .card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(26, 17, 114, 0.12);
  border-color: #6B5CE7 !important;
}

.grid-3 a:hover .card {
  border-color: #6B5CE7;
}

/* Chart.js container safety */
canvas {
  max-width: 100%;
}

/* Stats bar animation prep */
.stat-num {
  font-variant-numeric: tabular-nums;
  transition: color 0.3s ease;
}