*,*::before,*::after{box-sizing:border-box}
:root{
  --primary:#2563EB;--secondary:#1D4ED8;--success:#16A34A;
  --bg:#F8FAFC;--bg-card:#fff;--text:#111827;--muted:#6B7280;--border:#E5E7EB;
  --radius:16px;--shadow:0 10px 30px -10px rgba(37,99,235,.15);
  --shadow-lg:0 20px 50px -20px rgba(15,23,42,.25);
  --gradient:linear-gradient(135deg,#2563EB 0%,#1D4ED8 100%);
}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5{font-family:'Poppins',sans-serif;line-height:1.25;color:var(--text);margin:0 0 .6em}
h1{font-size:clamp(2rem,4vw,3rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:700;margin-top:1.8em}
h3{font-size:1.25rem;font-weight:600;margin-top:1.4em}
p{margin:0 0 1em}
a{color:var(--primary);text-decoration:none;transition:.2s}
a:hover{color:var(--secondary)}
img{max-width:100%;height:auto}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:999px;background:var(--gradient);color:#fff;font-weight:600;border:none;cursor:pointer;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);color:#fff}
.btn-outline{background:transparent;color:var(--primary);border:2px solid var(--primary);box-shadow:none}
.reading-progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--gradient);z-index:9999;transition:width .1s}
/* HEADER */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;gap:24px;padding:14px 20px}
.logo{display:flex;align-items:center;gap:8px;font-family:'Poppins';font-weight:800;font-size:1.2rem;color:var(--text)}
.logo .logo-mark{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:10px;background:var(--gradient);color:#fff;font-weight:800}
.logo .dot{color:var(--primary)}
.main-nav{display:flex;gap:18px;margin-left:24px;flex:1;flex-wrap:wrap}
.main-nav a{color:var(--text);font-weight:500;font-size:.95rem;padding:6px 4px;position:relative}
.main-nav a:hover{color:var(--primary)}
.header-actions{display:flex;align-items:center;gap:10px}
.header-search{display:flex;align-items:center;background:var(--bg);border:1px solid var(--border);border-radius:999px;padding:4px 4px 4px 14px}
.header-search input{border:0;background:transparent;outline:none;font:inherit;width:180px}
.header-search button{border:0;background:var(--primary);color:#fff;width:34px;height:34px;border-radius:50%;cursor:pointer}
.theme-toggle,.menu-toggle{background:var(--bg);border:1px solid var(--border);width:38px;height:38px;border-radius:50%;cursor:pointer;font-size:1rem}
.menu-toggle{display:none}
/* HERO */
.hero{position:relative;padding:90px 0 80px;overflow:hidden;background:radial-gradient(1200px 600px at 80% -10%,rgba(37,99,235,.18),transparent),radial-gradient(800px 400px at 10% 30%,rgba(29,78,216,.12),transparent)}
.hero-inner{display:grid;grid-template-columns:1.2fr 1fr;gap:60px;align-items:center}
.hero h1 span{background:var(--gradient);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{font-size:1.15rem;color:var(--muted);max-width:560px}
.hero-search{margin-top:28px;display:flex;background:#fff;border-radius:999px;padding:8px;box-shadow:var(--shadow-lg);max-width:560px;border:1px solid var(--border)}
.hero-search input{flex:1;border:0;outline:none;padding:14px 18px;font:inherit;border-radius:999px;background:transparent}
.hero-search button{padding:14px 26px}
.hero-chips{margin-top:18px;display:flex;flex-wrap:wrap;gap:8px}
.chip{background:#fff;border:1px solid var(--border);padding:6px 14px;border-radius:999px;font-size:.85rem;color:var(--muted)}
.hero-card{background:#fff;border-radius:24px;padding:28px;box-shadow:var(--shadow-lg);border:1px solid var(--border);transform:rotate(-1deg)}
.hero-card h3{margin-top:0}
.hero-card .stat{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px dashed var(--border)}
.hero-card .stat:last-child{border:0}
.hero-card .v{font-weight:700;color:var(--primary)}
/* SECTION */
section.block{padding:70px 0}
.section-head{text-align:center;margin-bottom:40px}
.section-head .eyebrow{display:inline-block;background:rgba(37,99,235,.1);color:var(--primary);padding:6px 14px;border-radius:999px;font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em}
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-6{grid-template-columns:repeat(6,1fr)}
.card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;transition:.3s;box-shadow:0 1px 2px rgba(0,0,0,.04)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:rgba(37,99,235,.3)}
.card h3{margin-top:0;font-size:1.1rem}
.card .icon{width:48px;height:48px;border-radius:12px;background:rgba(37,99,235,.1);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:14px}
.bank-card{display:flex;flex-direction:column;align-items:center;text-align:center;padding:20px 10px;background:#fff;border:1px solid var(--border);border-radius:14px;transition:.2s;color:var(--text)}
.bank-card:hover{transform:translateY(-3px);border-color:var(--primary);color:var(--primary)}
.bank-card .b{width:48px;height:48px;border-radius:12px;background:var(--gradient);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
.bank-card span{font-size:.85rem;font-weight:600}
/* ARTICLE */
.article-card{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--border);transition:.3s}
.article-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.article-card .thumb{height:160px;background:var(--gradient);position:relative;display:flex;align-items:flex-end;padding:14px;color:#fff;font-weight:600}
.article-card .body{padding:18px}
.article-card .meta{font-size:.8rem;color:var(--muted);display:flex;gap:10px;margin-bottom:8px}
.article-card h3{margin:0 0 8px;font-size:1.05rem}
/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:14px;margin-bottom:12px;overflow:hidden}
.faq-q{width:100%;text-align:left;padding:18px 22px;background:none;border:0;font:inherit;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--text)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s;padding:0 22px;color:var(--muted)}
.faq-item.open .faq-a{max-height:400px;padding:0 22px 18px}
.faq-item.open .faq-q .ic{transform:rotate(45deg)}
.faq-q .ic{transition:.3s;color:var(--primary);font-size:1.4rem}
/* NEWSLETTER */
.newsletter{background:var(--gradient);color:#fff;border-radius:24px;padding:50px;text-align:center}
.newsletter h2{color:#fff}
.newsletter form{display:flex;max-width:480px;margin:24px auto 0;background:#fff;border-radius:999px;padding:6px}
.newsletter input{flex:1;border:0;outline:none;padding:12px 18px;font:inherit;border-radius:999px}
.newsletter button{padding:12px 24px;border-radius:999px;border:0;background:#0F172A;color:#fff;font-weight:600;cursor:pointer}
/* FOOTER */
.site-footer{background:#0F172A;color:#cbd5e1;padding:60px 0 20px;margin-top:80px}
.site-footer h3,.site-footer h4{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:8px 0}
.site-footer a{color:#cbd5e1;font-size:.92rem}
.site-footer a:hover{color:#fff}
.social{display:flex;gap:10px;margin-top:14px}
.social a{display:inline-flex;width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);align-items:center;justify-content:center;color:#fff}
.copyright{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:20px;font-size:.85rem;text-align:center;color:#94a3b8}
/* BACK TO TOP */
.back-to-top{position:fixed;bottom:24px;right:24px;width:46px;height:46px;border-radius:50%;background:var(--gradient);color:#fff;border:0;font-size:1.2rem;cursor:pointer;opacity:0;pointer-events:none;transition:.3s;box-shadow:var(--shadow-lg);z-index:90}
.back-to-top.show{opacity:1;pointer-events:auto}
/* ARTICLE / POST */
.post-wrap{display:grid;grid-template-columns:1fr 280px;gap:40px;margin-top:30px}
.post-content{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:36px}
.post-content table{width:100%;border-collapse:collapse;margin:20px 0;overflow-x:auto;display:block}
.post-content th,.post-content td{padding:10px 14px;border:1px solid var(--border);text-align:left;font-size:.95rem}
.post-content th{background:var(--bg);font-weight:600}
.post-content ul,.post-content ol{padding-left:22px}
.post-content blockquote{border-left:4px solid var(--primary);padding:8px 18px;background:rgba(37,99,235,.06);border-radius:8px;margin:18px 0;color:var(--muted)}
.post-content .warning{background:#FEF3C7;border-left:4px solid #F59E0B;padding:14px 18px;border-radius:8px;margin:18px 0}
.post-content .tip{background:#DCFCE7;border-left:4px solid var(--success);padding:14px 18px;border-radius:8px;margin:18px 0}
.toc{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:20px;margin:20px 0}
.toc h4{margin:0 0 10px;font-size:1rem}
.toc ol{margin:0;padding-left:20px}
.sidebar{position:sticky;top:90px;align-self:start}
.sidebar .widget{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:20px;margin-bottom:20px}
.sidebar h4{margin:0 0 12px;font-size:1rem}
.breadcrumb{font-size:.85rem;color:var(--muted);margin:20px 0}
.breadcrumb a{color:var(--muted)}
.author-box{display:flex;gap:14px;align-items:center;padding:18px;background:var(--bg);border-radius:12px;margin:24px 0}
.author-box .avatar{width:54px;height:54px;border-radius:50%;background:var(--gradient);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.2rem}
.share{display:flex;gap:8px;margin:20px 0}
.share a{padding:8px 14px;border:1px solid var(--border);border-radius:999px;font-size:.85rem;color:var(--text)}
.tag{display:inline-block;background:rgba(37,99,235,.1);color:var(--primary);padding:3px 10px;border-radius:999px;font-size:.75rem;font-weight:600;margin-right:6px}
.pagination{display:flex;gap:8px;justify-content:center;margin:40px 0}
.pagination a,.pagination span{padding:8px 14px;border:1px solid var(--border);border-radius:8px;color:var(--text)}
.pagination .current{background:var(--primary);color:#fff;border-color:var(--primary)}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-weight:600;margin-bottom:6px}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:10px;font:inherit;background:#fff;color:var(--text)}
.form-group .err{color:#DC2626;font-size:.85rem;margin-top:4px;display:none}
.fade-in{opacity:0;transform:translateY(20px);transition:.6s}
.fade-in.visible{opacity:1;transform:none}