/* ExZero Design System */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600&display=swap');

:root {
  --blue-50: #E6F1FB;
  --blue-100: #B5D4F4;
  --blue-400: #378ADD;
  --blue-600: #185FA5;
  --blue-800: #0C447C;
  --blue-900: #042C53;

  --teal-50: #E1F5EE;
  --teal-400: #1D9E75;
  --teal-600: #0F6E56;
  --teal-800: #085041;

  --amber-50: #FAEEDA;
  --amber-400: #EF9F27;
  --amber-600: #BA7517;
  --amber-800: #854F0B;

  --green-50: #EAF3DE;
  --green-400: #639922;
  --green-600: #3B6D11;

  --red-50: #FCEBEB;
  --red-600: #A32D2D;

  --gray-50: #F8F9FA;
  --gray-100: #F1F3F5;
  --gray-200: #E9ECEF;
  --gray-300: #DEE2E6;
  --gray-500: #868E96;
  --gray-700: #495057;
  --gray-900: #212529;

  --white: #ffffff;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;

  --shadow-xs: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.07), 0 1px 3px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.09), 0 2px 6px rgba(0,0,0,0.06);

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 15px;
  color: var(--gray-900);
  background: var(--gray-50);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue-600); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ─── TYPOGRAPHY ─── */
h1 { font-size: 2rem; font-weight: 600; line-height: 1.2; }
h2 { font-size: 1.375rem; font-weight: 600; line-height: 1.3; }
h3 { font-size: 1.1rem; font-weight: 600; line-height: 1.4; }

/* ─── NAV ─── */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  padding: 0 2rem;
  display: flex; align-items: center; justify-content: space-between;
  height: 60px;
}
.navbar-logo {
  font-size: 1.25rem; font-weight: 600; color: var(--blue-600);
  letter-spacing: -0.5px; flex-shrink: 0;
}
.navbar-logo span { color: var(--teal-400); }
.navbar-links {
  display: flex; gap: 0; list-style: none;
}
.navbar-links a {
  display: block; padding: 0 14px; height: 60px;
  line-height: 60px; font-size: 13.5px; color: var(--gray-700);
  font-weight: 500; white-space: nowrap;
}
.navbar-links a:hover { color: var(--blue-600); text-decoration: none; }
.navbar-links a.active { color: var(--blue-600); }
.navbar-actions { display: flex; gap: 8px; align-items: center; flex-shrink: 0; }

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 18px; border-radius: var(--radius-md);
  font-size: 14px; font-weight: 500; cursor: pointer;
  transition: all .15s; border: 1px solid transparent;
  line-height: 1; white-space: nowrap; text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--blue-600); color: #fff; }
.btn-primary:hover { background: var(--blue-800); color: #fff; }
.btn-secondary { background: #fff; color: var(--gray-900); border-color: var(--gray-300); }
.btn-secondary:hover { background: var(--gray-50); border-color: var(--gray-500); }
.btn-ghost { background: transparent; color: var(--blue-600); }
.btn-ghost:hover { background: var(--blue-50); }
.btn-teal { background: var(--teal-400); color: #fff; }
.btn-teal:hover { background: var(--teal-600); color: #fff; }
.btn-sm { padding: 6px 13px; font-size: 13px; }
.btn-lg { padding: 13px 26px; font-size: 15px; }
.btn-full { width: 100%; justify-content: center; }

/* ─── BADGES ─── */
.badge {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 11.5px; font-weight: 500; padding: 3px 10px;
  border-radius: 20px; white-space: nowrap;
}
.badge-best { background: var(--green-50); color: var(--green-600); }
.badge-free { background: var(--blue-50); color: var(--blue-600); }
.badge-cashback { background: var(--amber-50); color: var(--amber-800); }
.badge-new { background: var(--teal-50); color: var(--teal-600); }
.badge-warn { background: var(--red-50); color: var(--red-600); }
.badge-gray { background: var(--gray-100); color: var(--gray-700); }

/* ─── CARDS ─── */
.card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200); padding: 20px;
  box-shadow: var(--shadow-xs);
}
.card:hover { box-shadow: var(--shadow-sm); }
.card-featured { border-color: var(--blue-100); border-width: 1.5px; }

/* ─── BANK LOGO ─── */
.bank-logo {
  border-radius: var(--radius-md); display: flex;
  align-items: center; justify-content: center;
  font-weight: 600; color: #fff; flex-shrink: 0;
}
.bank-logo-lg { width: 52px; height: 52px; font-size: 18px; border-radius: 12px; }
.bank-logo-md { width: 40px; height: 40px; font-size: 14px; border-radius: 10px; }
.bank-logo-sm { width: 32px; height: 32px; font-size: 11px; border-radius: 8px; }

/* ─── STARS ─── */
.stars { display: flex; gap: 2px; }
.star { color: var(--amber-400); font-size: 13px; }
.star-empty { color: var(--gray-300); font-size: 13px; }

/* ─── BREADCRUMBS ─── */
.breadcrumb {
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; color: var(--gray-500);
  margin-bottom: 20px; flex-wrap: wrap;
}
.breadcrumb a { color: var(--gray-500); }
.breadcrumb a:hover { color: var(--blue-600); text-decoration: none; }
.breadcrumb-sep { font-size: 11px; color: var(--gray-300); }

/* ─── FAQ ─── */
.faq-item {
  border-bottom: 1px solid var(--gray-200);
  overflow: hidden;
}
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 0; cursor: pointer; gap: 12px;
  font-size: 14.5px; font-weight: 500; color: var(--gray-900);
  list-style: none; user-select: none;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-icon { font-size: 16px; color: var(--gray-500); flex-shrink: 0; transition: transform .2s; }
details[open] .faq-icon { transform: rotate(180deg); }
.faq-a {
  padding: 0 0 16px; font-size: 14px;
  color: var(--gray-700); line-height: 1.7;
}

/* ─── DISCLAIMER ─── */
.disclaimer {
  display: flex; gap: 10px; align-items: flex-start;
  padding: 14px 16px; border-radius: var(--radius-md);
  background: var(--gray-100); font-size: 12.5px;
  color: var(--gray-500); line-height: 1.5;
}
.disclaimer-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }

/* ─── ALERTS ─── */
.alert {
  display: flex; gap: 10px; padding: 12px 16px;
  border-radius: var(--radius-md); font-size: 13.5px; line-height: 1.5;
}
.alert-info { background: var(--blue-50); color: var(--blue-800); }
.alert-warn { background: var(--amber-50); color: var(--amber-800); }
.alert-success { background: var(--green-50); color: var(--green-600); }

/* ─── FORM ELEMENTS ─── */
.form-label { font-size: 13px; font-weight: 500; color: var(--gray-700); margin-bottom: 6px; display: block; }
.form-input, .form-select {
  width: 100%; padding: 9px 12px; border-radius: var(--radius-md);
  border: 1px solid var(--gray-300); font-size: 14px; font-family: var(--font);
  color: var(--gray-900); background: #fff; outline: none;
  transition: border-color .15s;
}
.form-input:focus, .form-select:focus { border-color: var(--blue-400); box-shadow: 0 0 0 3px rgba(55,138,221,.15); }
.form-group { margin-bottom: 14px; }

/* ─── PROGRESS BAR ─── */
.progress { background: var(--gray-200); border-radius: 20px; height: 5px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--blue-600); border-radius: 20px; transition: width .3s; }

/* ─── STAT GRID ─── */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: 1px; background: var(--gray-200);
  border: 1px solid var(--gray-200); border-radius: var(--radius-md); overflow: hidden;
}
.stat-cell {
  background: #fff; padding: 14px 12px; text-align: center;
}
.stat-label { font-size: 11px; color: var(--gray-500); margin-bottom: 4px; }
.stat-value { font-size: 18px; font-weight: 600; color: var(--gray-900); }
.stat-sub { font-size: 11px; color: var(--gray-500); margin-top: 2px; }

/* ─── FOOTER ─── */
.footer {
  background: var(--white); border-top: 1px solid var(--gray-200);
  padding: 40px 2rem 24px;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px;
  margin-bottom: 32px;
}
.footer-logo { font-size: 1.1rem; font-weight: 600; color: var(--blue-600); margin-bottom: 10px; }
.footer-logo span { color: var(--teal-400); }
.footer-desc { font-size: 13px; color: var(--gray-500); line-height: 1.6; }
.footer-col h4 { font-size: 13px; font-weight: 600; margin-bottom: 12px; color: var(--gray-900); }
.footer-col a { display: block; font-size: 13px; color: var(--gray-500); margin-bottom: 8px; }
.footer-col a:hover { color: var(--blue-600); text-decoration: none; }
.footer-bottom {
  padding-top: 20px; border-top: 1px solid var(--gray-200);
  font-size: 12px; color: var(--gray-500); line-height: 1.6;
}

/* ─── CONTAINER ─── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 48px 0; }
.section-sm { padding: 32px 0; }

/* ─── SECTION HEADER ─── */
.section-eyebrow { font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: var(--blue-600); margin-bottom: 8px; }
.section-title { font-size: 1.6rem; font-weight: 600; color: var(--gray-900); margin-bottom: 6px; }
.section-sub { font-size: 14.5px; color: var(--gray-500); }
.section-meta { font-size: 12px; color: var(--gray-500); margin-top: 4px; }

/* ─── MOBILE ─── */
@media (max-width: 768px) {
  .navbar-links { display: none; }
  .container { padding: 0 16px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  h1 { font-size: 1.5rem; }
  .section { padding: 32px 0; }
}