:root {
  --bg: #ffffff;
  --surface: #f8fafc;
  --text: #1e293b;
  --muted: #64748b;
  --border: #e2e8f0;
  --accent: #d97706; /* Deep yellow/amber */
  --accent-hover: #b45309;
  --accent-gold: #f59e0b;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --font: "Inter", system-ui, -apple-system, sans-serif;
  --header-bg: #1e293b;
  --header-text: #f8fafc;
  --card-bg: #ffffff;
}

[data-theme="dark"] {
  --bg: #0f172a;
  --surface: #1e293b;
  --text: #f1f5f9;
  --muted: #94a3b8;
  --border: #334155;
  --accent: #f59e0b;
  --accent-hover: #fbbf24;
  --accent-gold: #fbbf24;
  --shadow: 0 10px 15px -3px rgb(0 0 0 / 0.4);
  --header-bg: #0f172a;
  --header-text: #f1f5f9;
  --card-bg: #1e293b;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body { background-color: var(--bg); color: var(--text); font-family: var(--font); line-height: 1.6; transition: background-color 0.3s, color 0.3s; overflow-x: hidden; }

header { background: var(--header-bg); color: var(--header-text); padding: 1rem 5%; display: flex; justify-content: space-between; align-items: center; position: sticky; top: 0; z-index: 1000; box-shadow: var(--shadow); }
.logo { font-size: 1.5rem; font-weight: 800; color: var(--accent-gold); letter-spacing: -1px; text-decoration: none; display: flex; align-items: center; gap: 0.5rem; }
.logo span { color: var(--header-text); opacity: 0.9; }

nav a { color: var(--header-text); text-decoration: none; margin-left: 1.5rem; font-weight: 500; font-size: 0.9rem; opacity: 0.8; transition: 0.2s; }
nav a:hover { opacity: 1; color: var(--accent-gold); }

.header-controls { display: flex; align-items: center; gap: 1rem; }
.lang-switch { font-size: 0.8rem; font-weight: bold; opacity: 0.7; }
.lang-switch a { color: inherit; text-decoration: none; }
.lang-switch a.active { color: var(--accent-gold); }
.theme-toggle { background: none; border: 1px solid rgba(255,255,255,0.2); color: inherit; cursor: pointer; padding: 0.4rem 0.8rem; border-radius: 20px; font-size: 1rem; }

main { padding: 4rem 10%; max-width: 1400px; margin: 0 auto; min-height: 80vh; }

/* Hero */
.hero { text-align: center; padding: 10rem 0; background: linear-gradient(135deg, var(--header-bg) 0%, #1e3a8a 100%); color: white; margin: -4rem -11.2% 6rem; position: relative; overflow: hidden; }
.hero::before { content: ""; position: absolute; top: 0; left: 0; right: 0; bottom: 0; background: url('/assets/images/finance1.webp') center/cover; opacity: 0.15; z-index: 0; }
.hero-content { position: relative; z-index: 1; max-width: 900px; margin: 0 auto; padding: 0 5%; }
.hero h1 { font-size: 4rem; margin-bottom: 2rem; line-height: 1.1; font-weight: 900; letter-spacing: -2px; }
.hero p { font-size: 1.4rem; opacity: 0.9; margin-bottom: 3rem; max-width: 700px; margin-left: auto; margin-right: auto; line-height: 1.4; }
.cta-btn { background: var(--accent-gold); color: #1e293b; padding: 1.2rem 3rem; border-radius: 12px; font-weight: 800; text-decoration: none; display: inline-block; transition: 0.3s; box-shadow: 0 20px 40px rgba(0,0,0,0.3); font-size: 1.1rem; }
.cta-btn:hover { transform: translateY(-5px); box-shadow: 0 25px 50px rgba(0,0,0,0.4); background: #facc15; }

/* Content Blocks */
h2 { font-size: 2.5rem; margin-bottom: 2.5rem; font-weight: 800; letter-spacing: -1px; text-align: center; }
h3 { font-size: 1.8rem; margin: 3rem 0 1.5rem; font-weight: 700; color: var(--accent); }
p { margin-bottom: 1.5rem; font-size: 1.1rem; color: var(--text); opacity: 0.9; }

.info-box { background: var(--surface); border-left: 5px solid var(--accent); padding: 2.5rem; border-radius: 12px; margin: 3rem 0; box-shadow: var(--shadow-sm); }
.info-box h4 { margin-bottom: 1rem; font-size: 1.3rem; font-weight: 800; color: var(--accent); }

.comparison-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; margin: 4rem 0; }
.compare-card { background: var(--card-bg); padding: 3rem; border-radius: 20px; border: 1px solid var(--border); box-shadow: var(--shadow); position: relative; overflow: hidden; }
.compare-card::before { content: ""; position: absolute; top: 0; left: 0; width: 100%; height: 5px; background: var(--accent); }
.compare-card.bad::before { background: #ef4444; }
.compare-card h3 { color: var(--accent); margin-bottom: 1.5rem; margin-top: 0; }
.compare-card ul { list-style: none; }
.compare-card li { margin-bottom: 1rem; padding-left: 2rem; position: relative; font-size: 1rem; }
.compare-card li::before { content: "✓"; position: absolute; left: 0; color: #10b981; font-weight: 900; font-size: 1.2rem; }
.compare-card.bad li::before { content: "✕"; color: #ef4444; }

/* FAQ Accordion */
.faq-accordion { margin-top: 4rem; border: 1px solid var(--border); border-radius: 16px; overflow: hidden; background: var(--card-bg); }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-header { padding: 2rem; display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 700; font-size: 1.2rem; transition: background 0.2s; }
.accordion-header:hover { background: var(--surface); }
.accordion-header span { font-size: 0.8rem; opacity: 0.5; transition: transform 0.3s; }
.accordion-header.active span { transform: rotate(180deg); }
.accordion-content { max-height: 0; overflow: hidden; transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1); color: var(--muted); background: var(--surface); }
.accordion-content.active { max-height: 2000px; padding: 0 2rem 2.5rem; }
.accordion-inner { padding-top: 1rem; border-top: 1px solid var(--border); }

/* Authority / Editorial */
.trust-bar { display: flex; justify-content: center; gap: 3rem; opacity: 0.6; margin-bottom: 4rem; font-size: 0.85rem; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }
.author-box { display: flex; gap: 2rem; align-items: flex-start; padding: 3rem; background: var(--surface); border-radius: 20px; margin: 6rem 0; border: 1px solid var(--border); }
.author-avatar { width: 100px; height: 100px; background: linear-gradient(135deg, var(--accent) 0%, var(--accent-gold) 100%); border-radius: 50%; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 2.5rem; color: white; font-weight: 900; }
.author-info h4 { font-size: 1.4rem; margin-bottom: 0.5rem; font-weight: 800; }
.author-info p { font-size: 0.95rem; color: var(--muted); margin-bottom: 0; line-height: 1.5; }
.last-updated { font-size: 0.8rem; color: var(--muted); margin-top: 1rem; font-style: italic; }

/* Footnotes */
.footnotes { margin-top: 8rem; padding-top: 3rem; border-top: 1px solid var(--border); font-size: 0.9rem; color: var(--muted); }
.footnotes h5 { margin-bottom: 1.5rem; color: var(--text); font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }
.footnote-item { margin-bottom: 1rem; padding-left: 2rem; position: relative; }
.footnote-item::before { content: attr(data-index); position: absolute; left: 0; font-weight: 700; opacity: 0.5; }

/* Footer */
footer { background: var(--header-bg); color: var(--header-text); padding: 6rem 10% 2rem; margin-top: 10rem; border-top: 1px solid var(--border); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 4rem; margin-bottom: 4rem; }
.footer-col h4 { margin-bottom: 2rem; color: var(--accent-gold); text-transform: uppercase; letter-spacing: 2px; font-size: 0.8rem; font-weight: 900; }
.footer-col a { display: block; color: inherit; text-decoration: none; opacity: 0.6; margin-bottom: 1rem; font-size: 0.95rem; transition: 0.2s; }
.footer-col a:hover { opacity: 1; color: var(--accent-gold); transform: translateX(5px); }
.copyright { text-align: center; opacity: 0.4; font-size: 0.85rem; border-top: 1px solid rgba(255,255,255,0.05); padding-top: 3rem; }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .comparison-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 3rem; }
}
@media (max-width: 768px) {
  .hero h1 { font-size: 2.5rem; }
  main { padding: 4rem 5%; }
}