/* ===== CSS Variables ===== */
:root {
  --primary: #004D40;
  --primary-light: #00695C;
  --primary-dark: #003330;
  --accent: #FFB300;
  --accent-light: #FFC107;
  --accent-dark: #FF8F00;
  --text: #263238;
  --text-light: #546E7A;
  --text-white: #FFFFFF;
  --bg: #FFFFFF;
  --bg-light: #F5F7F6;
  --bg-dark: #1A2E2A;
  --border: #CFD8DC;
  --shadow: 0 4px 12px rgba(0,77,64,0.08);
  --shadow-hover: 0 12px 32px rgba(0,77,64,0.14);
  --radius: 10px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
  --max-width: 1180px;
  --nav-height: 64px;
}

/* ===== Reset & Base ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Rubik',sans-serif;color:var(--text);background:var(--bg);line-height:1.75;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--accent-dark)}
ul,ol{list-style:none}
h1,h2,h3,h4,h5,h6{font-weight:700;line-height:1.3;color:var(--primary-dark)}
h1{font-size:clamp(1.75rem,4vw,2.5rem);margin-bottom:1rem}
h2{font-size:clamp(1.4rem,3vw,1.9rem);margin-bottom:0.8rem}
h3{font-size:clamp(1.15rem,2.5vw,1.4rem);margin-bottom:0.6rem}
p{margin-bottom:1rem}

/* ===== Container ===== */
.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 20px}

/* ===== Navigation (A: White sticky) ===== */
.nav{position:fixed;top:0;left:0;width:100%;z-index:1000;background:var(--bg);box-shadow:0 1px 8px rgba(0,0,0,0.06);padding:0}
.nav .container{display:flex;align-items:center;justify-content:space-between;height:var(--nav-height)}
.nav-logo{font-size:1.2rem;font-weight:700;color:var(--primary)}
.nav-logo span{color:var(--accent-dark)}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{font-size:0.9rem;font-weight:500;color:var(--text);transition:color var(--transition)}
.nav-links a:hover{color:var(--primary)}
.nav-links a.active{color:var(--primary);font-weight:600}

/* Burger */
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;z-index:1001;background:none;border:none;padding:4px}
.burger span{display:block;width:24px;height:2.5px;background:var(--primary);border-radius:2px;transition:all var(--transition)}
.burger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.burger.active span:nth-child(2){opacity:0}
.burger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

@media(max-width:768px){
  .nav-links{position:fixed;top:0;right:-100%;width:270px;height:100vh;background:var(--bg);flex-direction:column;padding:80px 28px 28px;gap:18px;box-shadow:-4px 0 20px rgba(0,0,0,0.08);transition:right var(--transition)}
  .nav-links.active{right:0}
  .burger{display:flex}
}

/* ===== Hero (B: Dark + content left) ===== */
.hero{background:var(--bg-dark);color:var(--text-white);padding:120px 0 80px;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;top:0;right:0;width:45%;height:100%;background:linear-gradient(135deg,rgba(255,179,0,0.08),rgba(0,77,64,0.15));clip-path:polygon(20% 0,100% 0,100% 100%,0 100%)}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr 0.9fr;gap:50px;align-items:center}
.hero-content h1{color:var(--text-white);font-size:clamp(1.9rem,4.2vw,2.8rem)}
.hero-content p{font-size:1.05rem;opacity:0.85;margin-bottom:1.5rem;max-width:520px}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:1.5rem}
.hero-badge{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.15);border-radius:var(--radius-sm);font-size:0.85rem;font-weight:500}
.hero-badge strong{color:var(--accent)}

/* Hero Calculator */
.hero-calc{background:var(--bg);border-radius:var(--radius);padding:28px;color:var(--text);box-shadow:0 20px 50px rgba(0,0,0,0.2)}
.hero-calc h3{color:var(--primary);margin-bottom:1rem;font-size:1.15rem}

@media(max-width:900px){
  .hero .container{grid-template-columns:1fr}
  .hero::after{display:none}
  .hero{padding:100px 0 50px}
}

/* ===== Calculator Form ===== */
.calc-group{margin-bottom:14px}
.calc-group label{display:block;font-size:0.88rem;margin-bottom:5px;font-weight:500;color:var(--text)}
.calc-group input,.calc-group select{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:var(--bg);color:var(--text);font-size:0.95rem;font-family:inherit;transition:border var(--transition)}
.calc-group input:focus,.calc-group select:focus{outline:none;border-color:var(--primary)}
.calc-group input::placeholder{color:#90A4AE}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc-result{margin-top:18px;padding:18px;background:var(--bg-light);border:2px solid var(--primary);border-radius:var(--radius-sm);text-align:center;display:none}
.calc-result.visible{display:block}
.calc-result-value{font-size:1.9rem;font-weight:700;color:var(--primary)}
.calc-result-label{font-size:0.88rem;color:var(--text-light);margin-top:4px}

/* ===== Buttons (A: Rounded 8-10px) ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 28px;border-radius:var(--radius-sm);font-size:0.95rem;font-weight:600;font-family:inherit;cursor:pointer;border:none;transition:all var(--transition);text-decoration:none}
.btn-primary{background:var(--accent);color:var(--primary-dark)}
.btn-primary:hover{background:var(--accent-dark);color:var(--text-white);transform:translateY(-2px);box-shadow:0 6px 18px rgba(255,179,0,0.3)}
.btn-outline{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn-outline:hover{background:var(--primary);color:var(--text-white)}
.btn-sm{padding:10px 20px;font-size:0.88rem}
.btn-full{width:100%}

/* CTA */
.cta-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 32px;border-radius:var(--radius-sm);font-size:1rem;font-weight:600;background:var(--accent);color:var(--primary-dark);transition:all var(--transition);text-decoration:none;border:none;cursor:pointer}
.cta-button:hover{background:var(--accent-dark);color:var(--text-white);transform:translateY(-2px);box-shadow:0 8px 24px rgba(255,179,0,0.3)}

/* ===== Sections (B: Diagonal skew) ===== */
.section{padding:80px 0;position:relative}
.section-light{background:var(--bg-light)}
.section-accent{background:var(--primary);color:var(--text-white)}
.section-accent h2,.section-accent h3{color:var(--text-white)}

/* Diagonal dividers */
.section-skew-top{position:relative}
.section-skew-top::before{content:'';position:absolute;top:-40px;left:0;width:100%;height:80px;background:inherit;transform:skewY(-2deg);z-index:1}
.section-skew-bottom::after{content:'';position:absolute;bottom:-40px;left:0;width:100%;height:80px;background:inherit;transform:skewY(-2deg);z-index:1}

.section-header{text-align:center;max-width:680px;margin:0 auto 48px}
.section-header p{color:var(--text-light);font-size:1.02rem}
.section-accent .section-header p{color:rgba(255,255,255,0.8)}
.section-tag{display:inline-block;padding:5px 14px;border-radius:var(--radius-sm);font-size:0.78rem;font-weight:600;text-transform:uppercase;letter-spacing:0.8px;margin-bottom:10px;background:rgba(0,77,64,0.08);color:var(--primary)}
.section-accent .section-tag{background:rgba(255,255,255,0.12);color:var(--text-white)}

/* ===== Cards (A: Shadow + hover) ===== */
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:22px}
.card{background:var(--bg);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);transition:all var(--transition)}
.card:hover{box-shadow:var(--shadow-hover);transform:translateY(-4px)}
.card-icon{width:52px;height:52px;border-radius:var(--radius-sm);background:rgba(0,77,64,0.08);display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-size:1.4rem}
.card h3{margin-bottom:8px}
.card p{color:var(--text-light);font-size:0.93rem}
.card-link{display:inline-flex;align-items:center;gap:6px;color:var(--accent-dark);font-weight:600;margin-top:10px;font-size:0.93rem}
.card-link:hover{gap:10px}

/* ===== Table ===== */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.5rem 0;border-radius:var(--radius);box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;min-width:560px}
thead{background:var(--primary)}
thead th{padding:12px 16px;text-align:left;color:var(--text-white);font-weight:600;font-size:0.88rem;white-space:nowrap}
tbody td{padding:11px 16px;border-bottom:1px solid var(--border);font-size:0.93rem}
tbody tr:hover{background:rgba(0,77,64,0.03)}
tbody tr:nth-child(even){background:var(--bg-light)}
.table-badge{display:inline-block;padding:3px 10px;border-radius:var(--radius-sm);font-size:0.78rem;font-weight:600}
.badge-green{background:#E0F2F1;color:#004D40}
.badge-yellow{background:#FFF8E1;color:#FF8F00}
.badge-red{background:#FFEBEE;color:#C62828}

/* ===== FAQ Accordion ===== */
.faq-list{max-width:780px;margin:0 auto}
.faq-item{background:var(--bg);border-radius:var(--radius-sm);margin-bottom:10px;box-shadow:0 2px 6px rgba(0,0,0,0.04);overflow:hidden;transition:box-shadow var(--transition)}
.faq-item:hover{box-shadow:var(--shadow)}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;padding:16px 22px;background:none;border:none;cursor:pointer;font-size:0.95rem;font-weight:600;color:var(--text);font-family:inherit;text-align:left;gap:14px}
.faq-question::after{content:'+';font-size:1.4rem;font-weight:300;color:var(--primary);transition:transform var(--transition);flex-shrink:0}
.faq-item.active .faq-question{color:var(--primary)}
.faq-item.active .faq-question::after{transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.4s ease;padding:0 22px}
.faq-answer-inner{padding:0 0 18px;color:var(--text-light);line-height:1.8}
.faq-answer-inner p{margin-bottom:0.7rem}
.faq-answer-inner p:last-child{margin-bottom:0}

/* ===== Steps ===== */
.steps{counter-reset:step}
.step{display:flex;gap:18px;margin-bottom:28px;position:relative}
.step::before{counter-increment:step;content:counter(step);width:44px;height:44px;border-radius:50%;background:var(--primary);color:var(--text-white);display:flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:700;flex-shrink:0}
.step-content h3{margin-bottom:4px}
.step-content p{color:var(--text-light)}

/* ===== Breadcrumbs ===== */
.breadcrumbs{padding:80px 0 0;font-size:0.84rem}
.breadcrumbs-list{display:flex;flex-wrap:wrap;gap:5px;align-items:center}
.breadcrumbs-list li{display:flex;align-items:center;gap:5px}
.breadcrumbs-list li+li::before{content:'›';color:var(--text-light)}
.breadcrumbs-list a{color:var(--text-light)}
.breadcrumbs-list a:hover{color:var(--primary)}
.breadcrumbs-list .current{color:var(--text);font-weight:500}

/* ===== Article ===== */
.article{padding:28px 0 80px}
.article-header{margin-bottom:36px}
.article-meta{display:flex;gap:18px;color:var(--text-light);font-size:0.88rem;margin-top:6px}
.article-content{max-width:800px}
.article-content h2{margin-top:2.2rem;padding-top:1.2rem;border-top:1px solid var(--border)}
.article-content h3{margin-top:1.5rem}
.article-content ul,.article-content ol{margin:0.8rem 0 1.2rem 1.5rem}
.article-content ul{list-style:disc}
.article-content ol{list-style:decimal}
.article-content li{margin-bottom:0.4rem;color:var(--text-light)}
.article-content strong{color:var(--text)}
.article-content blockquote{border-left:4px solid var(--accent);padding:14px 18px;margin:1.2rem 0;background:var(--bg-light);border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.article-content blockquote p{margin-bottom:0;color:var(--text-light);font-style:italic}

/* Info box */
.info-box{padding:18px 22px;border-radius:var(--radius-sm);margin:1.2rem 0;display:flex;gap:12px}
.info-box-icon{font-size:1.2rem;flex-shrink:0;line-height:1.75}
.info-box-teal{background:#E0F2F1;border-left:4px solid var(--primary)}
.info-box-yellow{background:#FFF8E1;border-left:4px solid var(--accent)}
.info-box-red{background:#FFEBEE;border-left:4px solid #C62828}
.info-box-blue{background:#E3F2FD;border-left:4px solid #1565C0}

/* ===== CTA Banner ===== */
.cta-banner{text-align:center;padding:44px 28px;background:var(--primary);border-radius:var(--radius);color:var(--text-white)}
.cta-banner h2{color:var(--text-white);margin-bottom:10px}
.cta-banner p{opacity:0.85;margin-bottom:22px;max-width:560px;margin-left:auto;margin-right:auto}

/* ===== Sidebar ===== */
.layout-with-sidebar{display:grid;grid-template-columns:1fr 320px;gap:36px}
.sidebar{position:sticky;top:80px;align-self:start}
.sidebar-widget{background:var(--bg-light);border-radius:var(--radius);padding:22px;margin-bottom:18px;border:1px solid var(--border)}
.sidebar-widget h4{margin-bottom:10px;font-size:0.95rem}
.sidebar-nav a{display:block;padding:7px 0;color:var(--text-light);font-size:0.88rem;border-bottom:1px solid var(--border)}
.sidebar-nav a:last-child{border:none}
.sidebar-nav a:hover{color:var(--primary)}

@media(max-width:1024px){
  .layout-with-sidebar{grid-template-columns:1fr}
  .sidebar{position:static}
}

/* ===== Footer (A: 4 columns dark) ===== */
.footer{background:var(--bg-dark);color:rgba(255,255,255,0.65);padding:56px 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
.footer-brand p{margin-top:10px;font-size:0.88rem;line-height:1.7}
.footer h4{color:var(--text-white);font-size:0.95rem;margin-bottom:14px}
.footer-links a{display:block;padding:4px 0;color:rgba(255,255,255,0.55);font-size:0.88rem;transition:color var(--transition)}
.footer-links a:hover{color:var(--accent)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding:18px 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;font-size:0.82rem}
.footer-disclaimer{font-size:0.78rem;color:rgba(255,255,255,0.35);margin-top:10px;line-height:1.6;max-width:560px}

@media(max-width:768px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column;text-align:center}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
}

/* ===== Animations (A: Fade-in from bottom) ===== */
.reveal{opacity:0;transform:translateY(28px);transition:opacity 0.6s ease,transform 0.6s ease}
.reveal.visible{opacity:1;transform:translateY(0)}

/* ===== Utilities ===== */
.text-center{text-align:center}
.text-accent{color:var(--accent-dark)}
.text-primary{color:var(--primary)}
.mt-1{margin-top:0.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}
.mb-1{margin-bottom:0.5rem}.mb-2{margin-bottom:1rem}.mb-3{margin-bottom:1.5rem}.mb-4{margin-bottom:2rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}

@media(max-width:768px){
  .grid-2,.grid-3{grid-template-columns:1fr}
  .section{padding:48px 0}
  h1{font-size:1.6rem}
  .calc-row{grid-template-columns:1fr}
}
@media(max-width:480px){
  .container{padding:0 14px}
  .card{padding:20px}
}

/* ===== Page Hero (inner pages) ===== */
.page-hero{background:var(--primary);color:var(--text-white);padding:110px 0 44px}
.page-hero h1{color:var(--text-white)}
.page-hero p{opacity:0.85;font-size:1.05rem;max-width:580px}

/* Legal highlight */
.legal-ref{background:var(--bg-light);border-left:4px solid var(--primary);padding:14px 18px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:1rem 0;font-size:0.93rem}
.legal-ref strong{color:var(--primary)}

/* Bank cards */
.bank-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px}
.bank-card{background:var(--bg);border-radius:var(--radius-sm);padding:20px;text-align:center;box-shadow:var(--shadow);transition:all var(--transition);text-decoration:none;color:var(--text);display:block}
.bank-card:hover{box-shadow:var(--shadow-hover);transform:translateY(-3px)}
.bank-card h4{font-size:0.95rem;margin-bottom:6px;color:var(--primary)}
.bank-card p{font-size:0.84rem;color:var(--text-light);margin:0}

/* Highlight number */
.highlight-number{font-size:2.2rem;font-weight:700;color:var(--primary);line-height:1}