/* =========================================================
   FBAR Info Hub — Design System
   ========================================================= */

:root {
  --navy-950: #081c2e;
  --navy-900: #0b3556;
  --navy-800: #124169;
  --navy-700: #1a5484;
  --navy-100: #e7eef5;
  --navy-50:  #f3f7fb;

  --gold-600: #b7883a;
  --gold-500: #d4af6a;
  --gold-100: #faf3e4;

  --teal-600: #0e7c86;
  --teal-100: #e3f4f5;

  --ink-900: #16202b;
  --ink-700: #3b4a58;
  --ink-500: #64748b;
  --ink-300: #cbd5e1;
  --ink-100: #eef1f5;

  --white: #ffffff;
  --success: #1f8a55;
  --danger: #c0392b;

  --font-serif: 'Source Serif 4', Georgia, 'Times New Roman', serif;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 3px rgba(11,53,86,0.08), 0 1px 2px rgba(11,53,86,0.06);
  --shadow-md: 0 8px 24px rgba(11,53,86,0.10);
  --shadow-lg: 0 16px 40px rgba(11,53,86,0.14);

  --container-width: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink-900);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy-950);
  line-height: 1.25;
  margin: 0 0 0.6em;
}
h1 { font-size: clamp(2rem, 4vw, 2.75rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
h3 { font-size: 1.35rem; }
p { margin: 0 0 1.1em; color: var(--ink-700); }
a { color: var(--navy-800); text-decoration: none; }
a:hover { color: var(--teal-600); }
ul, ol { color: var(--ink-700); }
img { max-width: 100%; display: block; }

.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link a {
  position: absolute; left: -999px; top: 0; background: var(--navy-900);
  color: #fff; padding: 10px 16px; z-index: 1000; border-radius: 0 0 8px 0;
}
.skip-link a:focus { left: 0; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 200;
  background: var(--white);
  border-bottom: 1px solid var(--ink-100);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 10px;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-950));
  color: var(--gold-500);
  font-family: var(--font-serif); font-weight: 700; font-size: 1.25rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--font-serif); font-weight: 700; font-size: 1.15rem; color: var(--navy-950); }
.brand-tagline { font-size: 0.72rem; color: var(--ink-500); letter-spacing: 0.02em; }

.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a { font-weight: 500; font-size: 0.95rem; color: var(--ink-700); padding: 8px 0; position: relative; }
.main-nav a.active, .main-nav a:hover { color: var(--navy-900); }
.main-nav a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px; background: var(--gold-500);
}
.main-nav a.btn-nav {
  background: var(--navy-900); color: #fff; padding: 10px 20px; border-radius: 8px;
}
.main-nav a.btn-nav:hover { background: var(--navy-800); color: #fff; }
.main-nav a.btn-nav.active::after { display: none; }

.nav-toggle {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  width: 40px; height: 40px; background: none; border: none; cursor: pointer;
}
.nav-toggle span { display: block; height: 2px; width: 24px; background: var(--navy-950); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 26px; border-radius: 8px; font-weight: 600; font-size: 0.95rem;
  border: 1px solid transparent; cursor: pointer; transition: all .15s ease;
}
.btn-primary { background: var(--navy-900); color: #fff; }
.btn-primary:hover { background: var(--navy-800); color: #fff; }
.btn-gold { background: var(--gold-500); color: var(--navy-950); }
.btn-gold:hover { background: var(--gold-600); color: var(--navy-950); }
.btn-outline { background: transparent; color: var(--navy-900); border-color: var(--ink-300); }
.btn-outline:hover { border-color: var(--navy-900); }
.btn-ghost { background: transparent; color: var(--ink-500); border-color: transparent; }
.btn-ghost:hover { color: var(--navy-900); }
.btn-sm { padding: 9px 16px; font-size: 0.85rem; }

/* ---------- Hero ---------- */
.hero {
  background: radial-gradient(1200px 500px at 85% -10%, rgba(212,175,106,0.18), transparent),
              linear-gradient(180deg, var(--navy-950), var(--navy-900));
  color: #fff; padding: 84px 0 96px; position: relative; overflow: hidden;
}
.hero .container { position: relative; z-index: 1; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14);
  padding: 6px 14px; border-radius: 999px; font-size: 0.8rem; letter-spacing: 0.03em;
  color: var(--gold-500); margin-bottom: 20px; font-weight: 600;
}
.hero h1 { color: #fff; max-width: 720px; }
.hero p.lead { color: rgba(255,255,255,0.78); font-size: 1.15rem; max-width: 620px; }
.hero-actions { display: flex; gap: 14px; margin-top: 28px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 40px; margin-top: 56px; flex-wrap: wrap; }
.hero-stat .num { font-family: var(--font-serif); font-size: 2rem; color: var(--gold-500); font-weight: 700; }
.hero-stat .label { font-size: 0.85rem; color: rgba(255,255,255,0.65); }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section-alt { background: var(--navy-50); }
.section-head { max-width: 680px; margin: 0 auto 44px; text-align: center; }
.eyebrow {
  display: inline-block; text-transform: uppercase; letter-spacing: 0.08em;
  font-size: 0.78rem; font-weight: 700; color: var(--teal-600); margin-bottom: 10px;
}

/* ---------- Cards / Grids ---------- */
.grid { display: grid; gap: 28px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--radius-md);
  padding: 28px; box-shadow: var(--shadow-sm); transition: transform .15s ease, box-shadow .15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card .icon {
  width: 46px; height: 46px; border-radius: 10px; background: var(--navy-100); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px; font-size: 1.3rem;
}

.article-card {
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--radius-md);
  overflow: hidden; box-shadow: var(--shadow-sm); transition: transform .15s ease, box-shadow .15s ease;
  display: flex; flex-direction: column;
}
.article-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.article-card-body { padding: 26px; display: flex; flex-direction: column; flex: 1; }
.article-thumb {
  height: 8px; background: linear-gradient(90deg, var(--navy-800), var(--gold-500));
}
.article-meta { display: flex; gap: 10px; align-items: center; font-size: 0.78rem; color: var(--ink-500); margin-bottom: 12px; }
.tag {
  display: inline-block; background: var(--teal-100); color: var(--teal-600);
  padding: 4px 10px; border-radius: 999px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.02em;
}
.article-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.article-card p { flex: 1; }
.read-more { font-weight: 600; font-size: 0.9rem; display: inline-flex; align-items: center; gap: 6px; }
.read-more::after { content: "→"; transition: transform .15s ease; }
.article-card:hover .read-more::after { transform: translateX(3px); }

/* ---------- Callouts / boxes ---------- */
.callout {
  border-left: 4px solid var(--navy-800); background: var(--navy-50);
  padding: 20px 24px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 28px 0;
}
.callout.warning { border-color: var(--gold-600); background: var(--gold-100); }
.callout.tip { border-color: var(--teal-600); background: var(--teal-100); }
.callout h4 { margin-bottom: 6px; font-family: var(--font-sans); font-size: 1rem; }
.callout p:last-child { margin-bottom: 0; }

.quickfacts {
  background: var(--navy-950); color: #fff; border-radius: var(--radius-lg); padding: 32px;
}
.quickfacts h4 { color: var(--gold-500); font-family: var(--font-sans); text-transform: uppercase; font-size: 0.85rem; letter-spacing: 0.05em; }
.quickfacts ul { list-style: none; margin: 0; padding: 0; }
.quickfacts li { padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.12); display: flex; justify-content: space-between; gap: 12px; font-size: 0.92rem; }
.quickfacts li:last-child { border-bottom: none; }
.quickfacts li span:first-child { color: rgba(255,255,255,0.6); }
.quickfacts li span:last-child { font-weight: 600; text-align: right; }

/* ---------- Article page layout ---------- */
.article-header { background: var(--navy-950); color: #fff; padding: 56px 0 48px; }
.article-header .breadcrumb a { color: rgba(255,255,255,0.65); }
.article-header .breadcrumb { font-size: 0.85rem; margin-bottom: 18px; }
.article-header .breadcrumb span { color: rgba(255,255,255,0.4); margin: 0 6px; }
.article-header h1 { color: #fff; max-width: 780px; }
.article-header .article-meta { color: rgba(255,255,255,0.7); }
.article-header .tag { background: rgba(212,175,106,0.18); color: var(--gold-500); }

.article-layout { display: grid; grid-template-columns: 1fr 300px; gap: 56px; padding: 56px 0; }
.article-body h2 { margin-top: 1.6em; }
.article-body h2:first-child { margin-top: 0; }
.article-body h3 { margin-top: 1.4em; }
.article-body ul, .article-body ol { padding-left: 1.3em; margin-bottom: 1.2em; }
.article-body li { margin-bottom: 0.5em; }
.article-body table { width: 100%; border-collapse: collapse; margin: 1.6em 0; font-size: 0.92rem; }
.article-body th, .article-body td { border: 1px solid var(--ink-100); padding: 12px 14px; text-align: left; }
.article-body th { background: var(--navy-50); color: var(--navy-950); }
.article-body strong { color: var(--ink-900); }

.article-sidebar { position: relative; }
.sidebar-sticky { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 24px; }
.toc { background: var(--navy-50); border-radius: var(--radius-md); padding: 22px; }
.toc h4 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--navy-900); }
.toc ol { list-style: none; padding: 0; margin: 0; counter-reset: toc; }
.toc li { counter-increment: toc; margin-bottom: 10px; font-size: 0.88rem; }
.toc li a { color: var(--ink-700); }
.toc li a:hover { color: var(--navy-900); }
.toc li::before { content: counter(toc) ". "; color: var(--gold-600); font-weight: 700; }

.related-box { background: #fff; border: 1px solid var(--ink-100); border-radius: var(--radius-md); padding: 22px; }
.related-box h4 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
.related-box ul { list-style: none; padding: 0; margin: 0; }
.related-box li { margin-bottom: 12px; }
.related-box li a { font-size: 0.9rem; font-weight: 500; }

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--ink-100); padding: 22px 0; }
.faq-question {
  display: flex; justify-content: space-between; align-items: center; cursor: pointer;
  font-weight: 600; font-size: 1.05rem; color: var(--navy-950); gap: 16px;
}
.faq-question::after { content: "+"; font-size: 1.5rem; color: var(--gold-600); flex-shrink: 0; transition: transform .2s ease; }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-item.open .faq-answer { max-height: 600px; }
.faq-answer p { padding-top: 14px; }

/* ---------- Forms ---------- */
.form-field { margin-bottom: 20px; }
.form-field label { display: block; font-weight: 600; margin-bottom: 8px; font-size: 0.92rem; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 13px 14px; border: 1px solid var(--ink-300); border-radius: 8px;
  font-family: var(--font-sans); font-size: 0.95rem; background: #fff;
}
.form-field input:focus, .form-field textarea:focus, .form-field select:focus {
  outline: none; border-color: var(--navy-800); box-shadow: 0 0 0 3px rgba(11,53,86,0.12);
}
.form-note { font-size: 0.8rem; color: var(--ink-500); }
.alert { padding: 16px 20px; border-radius: 8px; margin-bottom: 24px; font-size: 0.92rem; }
.alert-success { background: #e8f6ee; color: var(--success); border: 1px solid #b7e4c7; }
.alert-error { background: #fbe9e7; color: var(--danger); border: 1px solid #f2b8b0; }

/* ---------- Disclaimer strip ---------- */
.disclaimer-strip { background: var(--gold-100); border-top: 1px solid #ecdcb8; padding: 16px 0; }
.disclaimer-strip p { margin: 0; font-size: 0.82rem; color: var(--ink-700); text-align: center; }
.disclaimer-strip a { font-weight: 600; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,0.75); padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer-col h4 { color: #fff; font-family: var(--font-sans); font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 16px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.footer-col a:hover { color: var(--gold-500); }
.footer-brand p { color: rgba(255,255,255,0.55); font-size: 0.88rem; margin-top: 14px; }
.site-footer .brand-name { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 0; }
.footer-bottom p { margin: 0; font-size: 0.82rem; color: rgba(255,255,255,0.5); text-align: center; }

/* ---------- Cookie Consent ---------- */
.cookie-consent {
  position: fixed; left: 20px; right: 20px; bottom: 20px; z-index: 999;
  background: #fff; border: 1px solid var(--ink-100); border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg); max-width: 760px; margin: 0 auto;
  transform: translateY(140%); transition: transform .35s ease; opacity: 0;
}
.cookie-consent.visible { transform: translateY(0); opacity: 1; }
.cookie-consent-inner { padding: 22px 26px; }
.cookie-consent p { font-size: 0.88rem; margin-bottom: 16px; color: var(--ink-700); }
.cookie-consent-actions { display: flex; gap: 10px; flex-wrap: wrap; justify-content: flex-end; }

.cookie-modal { position: fixed; inset: 0; z-index: 1000; display: none; align-items: center; justify-content: center; }
.cookie-modal.open { display: flex; }
.cookie-modal-backdrop { position: absolute; inset: 0; background: rgba(8,28,46,0.55); }
.cookie-modal-panel {
  position: relative; background: #fff; border-radius: var(--radius-lg); padding: 32px;
  max-width: 480px; width: 92%; box-shadow: var(--shadow-lg); z-index: 1;
}
.cookie-option { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--ink-100); }
.cookie-option p { font-size: 0.82rem; margin: 4px 0 0; }
.cookie-modal-actions { display: flex; gap: 10px; justify-content: flex-end; margin-top: 24px; }

.switch { position: relative; display: inline-block; width: 44px; height: 24px; flex-shrink: 0; }
.switch input { opacity: 0; width: 0; height: 0; }
.slider { position: absolute; cursor: pointer; inset: 0; background: var(--ink-300); border-radius: 999px; transition: .2s; }
.slider::before { content: ""; position: absolute; height: 18px; width: 18px; left: 3px; bottom: 3px; background: #fff; border-radius: 50%; transition: .2s; }
.switch input:checked + .slider { background: var(--navy-800); }
.switch input:checked + .slider::before { transform: translateX(20px); }
.switch input:disabled + .slider { opacity: 0.6; cursor: not-allowed; }

/* ---------- Misc pages ---------- */
.page-header { background: var(--navy-950); color: #fff; padding: 60px 0; text-align: center; }
.page-header h1 { color: #fff; }
.page-header p { color: rgba(255,255,255,0.75); max-width: 600px; margin: 0 auto; }
.prose { max-width: 780px; margin: 0 auto; padding: 56px 0; }
.prose h2 { margin-top: 1.8em; }
.prose h2:first-child { margin-top: 0; }
.prose ul { padding-left: 1.3em; }

.cta-band {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: #fff; border-radius: var(--radius-lg); padding: 48px; text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,0.8); max-width: 520px; margin: 0 auto 24px; }

.filter-bar { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; }
.filter-chip {
  padding: 8px 18px; border-radius: 999px; border: 1px solid var(--ink-300); font-size: 0.85rem;
  font-weight: 600; color: var(--ink-700); cursor: pointer; background: #fff; transition: all .15s ease;
}
.filter-chip.active, .filter-chip:hover { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }

.step-list { counter-reset: step; list-style: none; padding: 0; }
.step-list li { counter-increment: step; position: relative; padding-left: 52px; margin-bottom: 28px; }
.step-list li::before {
  content: counter(step); position: absolute; left: 0; top: -2px; width: 36px; height: 36px;
  background: var(--navy-900); color: var(--gold-500); border-radius: 50%; display: flex;
  align-items: center; justify-content: center; font-family: var(--font-serif); font-weight: 700;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { order: -1; }
  .sidebar-sticky { position: static; flex-direction: row; overflow-x: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: absolute; top: 76px; left: 0; right: 0; background: #fff; flex-direction: column;
    align-items: flex-start; gap: 0; padding: 8px 24px 20px; border-bottom: 1px solid var(--ink-100);
    box-shadow: var(--shadow-md); display: none;
  }
  .main-nav.open { display: flex; }
  .main-nav a { width: 100%; padding: 14px 0; border-bottom: 1px solid var(--ink-100); }
  .main-nav a.btn-nav { margin-top: 10px; text-align: center; }
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 56px 0 64px; }
  .hero-stats { gap: 28px; }
  .cookie-consent { left: 12px; right: 12px; bottom: 12px; }
  .sidebar-sticky { flex-direction: column; }
}