/* Finance Basic Advice - Main Stylesheet */
:root{
  --navy:#0e2a47;
  --navy-2:#14365c;
  --blue:#1663b0;
  --blue-light:#e8f0fa;
  --gold:#c9a86a;
  --gold-dark:#a9864a;
  --green:#14804c;
  --ink:#1a2433;
  --muted:#5b6b80;
  --line:#e2e8f0;
  --bg:#f6f8fb;
  --white:#ffffff;
  --radius:14px;
  --shadow:0 10px 30px rgba(14,42,71,.10);
  --shadow-lg:0 20px 60px rgba(14,42,71,.14);
  --font:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --serif:Georgia,"Times New Roman",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.section{padding:72px 0}
.section-alt{background:var(--bg)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);background:var(--blue-light);border:1px solid #cfe0f3;padding:7px 14px;border-radius:100px;margin-bottom:14px}
.eyebrow.gold{color:#6b551f;background:#fdf6e3;border-color:#efe0b8}
h1,h2,h3{line-height:1.18;margin:0 0 14px;color:var(--navy);letter-spacing:-.02em}
h1{font-size:clamp(34px,5vw,56px)}
h2{font-size:clamp(28px,3.6vw,40px)}
h3{font-size:20px}
p.lead{font-size:18px;color:var(--muted);max-width:720px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:100px;font-weight:800;font-size:15px;border:2px solid transparent;cursor:pointer;transition:.2s;text-decoration:none!important;white-space:nowrap}
.btn-primary{background:var(--gold);color:#1a1405;border-color:var(--gold)}
.btn-primary:hover{background:#d8ba85;transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-2)}
.btn-outline{background:#fff;color:var(--navy);border-color:#cbd5e1}
.btn-outline:hover{border-color:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}
.btn-block{width:100%}
/* Topbar */
.topbar{background:var(--navy);color:#cbd5e1;font-size:13px;padding:9px 0}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar span{margin-right:18px;display:inline-flex;align-items:center;gap:7px}
/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none!important}
.brand-mark{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--blue));display:grid;place-items:center;color:var(--gold);font-weight:900;font-size:22px;flex-shrink:0}
.brand-text{line-height:1.05}
.brand-text strong{display:block;color:var(--navy);font-size:18px;letter-spacing:-.02em}
.brand-text small{color:var(--muted);font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.nav-links{display:flex;align-items:center;gap:4px}
.nav-links a{color:var(--ink);font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:10px;text-decoration:none!important}
.nav-links a:hover,.nav-links a.active{background:var(--bg);color:var(--navy)}
.nav-cta{display:flex;gap:10px;align-items:center}
.nav-cta .btn{padding:11px 20px;font-size:14px}
.mobile-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:10px 12px;font-size:20px;cursor:pointer}
/* Hero */
.hero{background:radial-gradient(1000px 500px at 85% -10%,#1d4e8a 0%,transparent 60%),linear-gradient(180deg,#0e2a47 0%,#14365c 100%);color:#fff;padding:70px 0 60px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero h1{color:#fff}
.hero h1 .gold{color:var(--gold)}
.hero p{color:#c6d4e6;font-size:18px;max-width:560px}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);padding:8px 14px;border-radius:100px;font-size:13px;font-weight:700}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.hero-card{background:#fff;color:var(--ink);border-radius:18px;padding:26px;box-shadow:var(--shadow-lg)}
.hero-card h3{margin-bottom:6px}
.hero-card p{font-size:14px;color:var(--muted);margin-top:0}
.trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15);font-size:13px;color:#c6d4e6}
.trust-row strong{color:#fff;display:block;font-size:20px}
/* Stats */
.stats{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);margin-top:-30px;position:relative;z-index:2;display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden}
.stat{padding:26px 20px;text-align:center;border-left:1px solid var(--line)}
.stat:first-child{border-left:0}
.stat strong{display:block;font-size:30px;color:var(--navy)}
.stat span{font-size:13px;color:var(--muted);font-weight:600}
/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.2s;position:relative}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.card .icon{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;font-size:24px;margin-bottom:14px;background:var(--blue-light)}
.card h3{margin-bottom:8px}
.card h3 a{color:var(--navy);text-decoration:none}
.card p{color:var(--muted);font-size:15px;margin:0 0 14px}
.link-arrow{font-weight:800;font-size:14px;display:inline-flex;align-items:center;gap:6px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.check-list{list-style:none;padding:0;margin:18px 0}
.check-list li{padding:10px 0 10px 34px;position:relative;border-bottom:1px dashed var(--line);font-size:15px}
.check-list li:last-child{border:0}
.check-list li::before{content:"✓";position:absolute;left:0;top:10px;width:22px;height:22px;border-radius:100px;background:#e6f4ec;color:var(--green);font-weight:900;font-size:13px;display:grid;place-items:center}
/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-align:left}
.step-num{width:38px;height:38px;border-radius:100px;background:var(--navy);color:var(--gold);font-weight:900;display:grid;place-items:center;margin-bottom:12px}
.step h4{margin:0 0 6px;color:var(--navy)}
.step p{font-size:14px;color:var(--muted);margin:0}
/* Testimonials */
.testi{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.testi p{font-size:15px;color:#334155}
.testi .who{display:flex;align-items:center;gap:12px;margin-top:14px}
.avatar{width:42px;height:42px;border-radius:100px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.stars{color:#e0a82e;font-size:14px;letter-spacing:2px}
/* Blog */
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.post-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.post-img{height:180px;display:grid;place-items:center;font-size:56px;color:#fff}
.post-body{padding:22px;display:flex;flex-direction:column;flex:1}
.post-meta{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
.post-body h3{font-size:19px;line-height:1.35}
.post-body h3 a{color:var(--navy);text-decoration:none}
.post-body p{font-size:14.5px;color:var(--muted);flex:1}
/* CTA band */
.cta-band{background:linear-gradient(135deg,#0e2a47,#1a5aa0);border-radius:22px;padding:46px;color:#fff;display:grid;grid-template-columns:1.4fr .6fr;gap:24px;align-items:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;background:radial-gradient(circle,rgba(201,168,106,.35),transparent 70%)}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#c6d4e6;margin:0}
/* Page hero */
.page-hero{background:linear-gradient(180deg,#0e2a47,#14365c);color:#fff;padding:52px 0;text-align:center}
.page-hero h1{color:#fff;font-size:clamp(30px,4vw,44px)}
.page-hero p{color:#c6d4e6;max-width:700px;margin:10px auto 0}
.breadcrumb{font-size:13px;color:#9fb2c9;margin-bottom:10px}
.breadcrumb a{color:#fff}
/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow)}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-weight:700;font-size:14px;margin-bottom:7px;color:var(--navy)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:13px 14px;border:1.5px solid #cbd5e1;border-radius:10px;font-size:15px;font-family:inherit;background:#fff;transition:.15s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(22,99,176,.15)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.checkbox-row{display:flex;gap:10px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:14px;font-size:14px}
.checkbox-row input{width:18px;height:18px;margin-top:2px;flex-shrink:0;accent-color:var(--blue)}
.form-note{font-size:13px;color:var(--muted);margin-top:12px}
.alert{display:none;padding:14px 16px;border-radius:10px;font-size:14px;font-weight:600;margin-bottom:16px}
.alert.success{display:block;background:#e6f4ec;border:1px solid #bfe3cd;color:#0e5a2f}
.alert.error{display:block;background:#fdecec;border:1px solid #f5c2c2;color:#8a1f1f}
/* Contact */
.info-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;gap:14px;align-items:flex-start}
.info-box .icon{width:48px;height:48px;border-radius:12px;background:var(--blue-light);display:grid;place-items:center;font-size:22px;flex-shrink:0}
.info-box h4{margin:0 0 4px;color:var(--navy)}
.info-box p{margin:0;font-size:14.5px;color:var(--muted)}
.info-box a{color:var(--navy);font-weight:700}
/* Article */
.article{max-width:780px;margin:0 auto}
.article-meta{display:flex;gap:12px;flex-wrap:wrap;font-size:13px;color:var(--muted);margin:12px 0 22px}
.article-meta span{background:var(--bg);border:1px solid var(--line);padding:5px 12px;border-radius:100px;font-weight:700}
.article h2{font-size:26px;margin-top:32px}
.article p,.article li{color:#334155}
.article ul{padding-left:20px}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin:22px 0}
.toc strong{color:var(--navy)}
.toc ol{margin:10px 0 0;padding-left:20px;font-size:14.5px}
.disclaimer{background:#fffbeb;border:1px solid #f5d67a;border-radius:12px;padding:18px 20px;font-size:13.5px;color:#6b551f;margin-top:28px}
/* Legal */
.legal{max-width:820px;margin:0 auto}
.legal h2{font-size:22px;margin-top:30px;padding-top:20px;border-top:1px solid var(--line)}
.legal p,.legal li{color:#334155;font-size:15px}
/* Footer */
footer{background:#0a1f36;color:#9fb2c9;padding:60px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px;padding-bottom:40px}
footer h4{color:#fff;font-size:15px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:16px}
footer a{color:#9fb2c9;text-decoration:none;font-size:14.5px}
footer a:hover{color:#fff}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:10px}
.footer-brand p{font-size:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13px}
/* FAQ */
.faq{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden;background:#fff}
.faq button{width:100%;text-align:left;background:#fff;border:0;padding:18px 20px;font-size:15.5px;font-weight:800;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:12px}
.faq .faq-body{display:none;padding:0 20px 18px;color:var(--muted);font-size:14.5px}
.faq.open .faq-body{display:block}
/* Responsive */
@media(max-width:960px){
  .hero-grid,.split,.grid-3,.grid-2,.cta-band{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
  .stat:nth-child(3){border-left:0}
  .stat{border-top:1px solid var(--line)}
  .stat:nth-child(1),.stat:nth-child(2){border-top:0}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links,.nav-cta{display:none}
  .nav-links.mobile-open{display:flex;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:14px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .mobile-toggle{display:block}
  .section{padding:52px 0}
}
@media(max-width:600px){
  .steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr}
  .stat{border-left:0!important;border-top:1px solid var(--line)!important}
  .stat:first-child{border-top:0!important}
}