:root {
  --bg-light: #F8FAFC;
  --bg-studio: radial-gradient(circle at 50% -20%, #ffffff 0%, #F1F5F9 80%);
  --surface: #FFFFFF;
  --brand: #0A4B88;
  --brand-dark: #062E56;
  --accent: #2563EB;
  --neon-safe: #10B981;
  --neon-warn: #F59E0B;
  --neon-danger: #EF4444;
  
  --text: #0F172A;
  --text-muted: #475569;
  --border-light: rgba(226, 232, 240, 0.8);
  
  --glow-shadow: 0 10px 30px -5px rgba(15, 23, 42, 0.05), 0 0 0 1px var(--border-light);
  --glow-hover: 0 20px 40px -10px rgba(15, 23, 42, 0.1), 0 0 0 1px var(--accent);
  --divider-grad: linear-gradient(90deg, transparent, rgba(15,23,42,0.1), transparent);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
body { font-family: 'DM Sans', sans-serif; background: var(--bg-light); color: var(--text); line-height: 1.6; -webkit-font-smoothing: antialiased; }

/* Header */
header { background: var(--surface); border-bottom: 1px solid #E2E8F0; position: sticky; top: 0; z-index: 100; }
.nav-container { max-width: 1400px; margin: 0 auto; padding: 1.25rem 2rem; display: flex; justify-content: space-between; align-items: center; }
.logo { font-family: 'DM Serif Display', serif; font-size: 1.8rem; color: var(--brand-dark); text-decoration: none; }
.nav-links { display: flex; gap: 2.5rem; }
.nav-links a { color: var(--text-muted); text-decoration: none; font-weight: 600; font-size: 0.95rem; transition: color 0.2s; letter-spacing: 0.02em; }
.nav-links a:hover { color: var(--accent); }
.nav-controls { display: flex; gap: 1rem; align-items: center; }

.select-elegant { appearance: none; padding: 0.6rem 2rem 0.6rem 1rem; border: 1px solid #E2E8F0; border-radius: 8px; font-family: 'DM Sans'; font-size: 0.9rem; font-weight: 600; background: var(--surface) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%23475569'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E") no-repeat right 0.75rem center/16px; cursor: pointer; transition: all 0.2s; color: var(--text); }
.select-elegant:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); outline: none; }

/* Layout */
.container { max-width: 1400px; margin: 0 auto; padding: 0 2rem; }

/* Editorial Badges & Highlights */
.badge { display: inline-block; border: 1px solid rgba(0,0,0,0.1); background: rgba(255,255,255,0.6); backdrop-filter: blur(4px); text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.7rem; border-radius: 20px; padding: 0.3rem 0.8rem; font-weight: 700; color: var(--text-muted); margin-bottom: 1rem; }
.hero-studio .badge { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.15); color: #94a3b8; }
.highlight-organic { background: linear-gradient(120deg, #60a5fa, #3b82f6); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }

/* Hero Studio - Investment Bank Style */
.hero-studio { background: linear-gradient(145deg, #020617 0%, #0B1120 100%); padding: 4rem 0 4rem; text-align: center; border-bottom: 1px solid #1e293b; margin-bottom: 3rem; position: relative; overflow: hidden; }
.hero-studio::after { content: ''; position: absolute; top: 0; left: 50%; transform: translateX(-50%); width: 100%; max-width: 1000px; height: 100%; background: radial-gradient(circle at top, rgba(37,99,235,0.15), transparent 60%); pointer-events: none; }
.hero-content { max-width: 900px; margin: 0 auto; position: relative; z-index: 10; }
.hero-studio h1 { font-family: 'DM Serif Display', serif; font-size: clamp(2.5rem, 5vw, 4rem); color: #FFFFFF; line-height: 1.1; margin-bottom: 1rem; letter-spacing: -0.02em; }
.hero-studio p { font-size: 1.15rem; color: #94a3b8; max-width: 700px; margin: 0 auto 2rem; }

/* Market Pulse Cards - Bloomberg Terminal Style */
.pulse-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; max-width: 1400px; margin: 3rem auto 0; padding: 0 2rem; position: relative; z-index: 20; transform: none; }
.pulse-card { background: rgba(15, 23, 42, 0.85); backdrop-filter: blur(16px); padding: 1.75rem; border-radius: 16px; border: 1px solid rgba(255,255,255,0.1); box-shadow: 0 20px 40px -10px rgba(0,0,0,0.5); text-align: left; transition: all 0.3s ease; position: relative; overflow: hidden; }
.pulse-card:hover { transform: translateY(-4px); border-color: rgba(37,99,235,0.4); box-shadow: 0 20px 40px -10px rgba(0,0,0,0.7), 0 0 20px rgba(37,99,235,0.2); }
.pulse-card::before { content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 3px; background: var(--brand); }
.pulse-card.invest-border::before { background: var(--neon-safe); }
.pulse-card.warn-border::before { background: var(--neon-danger); }

.pulse-title { font-size: 0.85rem; color: #94a3b8; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.5rem; }
.pulse-value { font-family: 'DM Serif Display', serif; font-size: 3rem; color: #FFFFFF; line-height: 1; margin-bottom: 0.25rem; }
.pulse-subtitle { font-size: 0.85rem; color: #64748b; }

/* Main Grid (65 / 35) */
.main-grid { display: grid; grid-template-columns: 65% 1fr; gap: 3.5rem; align-items: start; padding-top: 3rem; }
@media (max-width: 1024px) { .main-grid { grid-template-columns: 1fr; } .pulse-grid { grid-template-columns: 1fr; transform: none; margin-top: 2rem; } .hero-studio { padding-bottom: 2rem; } }

/* App-like Diagnostic Widget (Dark Glassmorphism) */
.widget-app { background: linear-gradient(145deg, #020617, #0f172a); padding: 1.5rem 2rem; border-radius: 16px; box-shadow: 0 0 50px rgba(37,99,235,0.15), inset 0 1px 0 rgba(255,255,255,0.1); margin-bottom: 3rem; color: white; position: relative; overflow: hidden; }
.widget-app::before { content: ''; position: absolute; top: -50%; left: -50%; width: 200%; height: 200%; background: radial-gradient(circle, rgba(37,99,235,0.1) 0%, transparent 60%); pointer-events: none; }
.widget-header { margin-bottom: 1.5rem; display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 10; flex-wrap: wrap; gap: 1rem; }
.widget-header h2 { font-family: 'DM Serif Display', serif; font-size: 2rem; color: #FFFFFF; line-height: 1.1; margin-top: 0.25rem; }

.widget-tabs { display: flex; background: rgba(255,255,255,0.05); padding: 4px; border-radius: 12px; border: 1px solid rgba(255,255,255,0.1); }
.tab-btn { background: transparent; color: rgba(255,255,255,0.6); border: none; padding: 0.5rem 1rem; font-family: 'DM Sans'; font-weight: 700; font-size: 0.8rem; border-radius: 8px; cursor: pointer; transition: all 0.3s; text-transform: uppercase; letter-spacing: 0.05em; }
.tab-btn.active { background: var(--accent); color: white; box-shadow: 0 4px 12px rgba(37,99,235,0.3); }

.compare-container { display: grid; grid-template-columns: 1fr; gap: 1.25rem; position: relative; z-index: 10; transition: all 0.3s; }
.compare-container.is-compare { grid-template-columns: 1fr 1fr; }
@media (max-width: 800px) { .compare-container.is-compare { grid-template-columns: 1fr; } }

.opt-col { display: flex; flex-direction: column; gap: 1.25rem; }
.opt-title { font-size: 1.1rem; font-weight: 700; color: #94a3b8; border-bottom: 1px solid rgba(255,255,255,0.1); padding-bottom: 0.5rem; margin-bottom: 0.5rem; display: none; }
.is-compare .opt-title { display: block; }

.app-input-group { position: relative; }
.app-label { position: absolute; top: -7px; left: 10px; background: #0f172a; padding: 0 4px; font-size: 0.7rem; font-weight: 700; color: #94a3b8; text-transform: uppercase; letter-spacing: 0.05em; z-index: 10; border-radius: 4px; }
.app-input, .app-select { width: 100%; height: 46px; padding: 0 1rem; border: 1px solid rgba(255,255,255,0.15); border-radius: 8px; font-size: 1.05rem; font-weight: 500; font-family: 'DM Sans'; background: rgba(0,0,0,0.2); transition: all 0.2s; color: #FFFFFF; }
.app-input:focus, .app-select:focus { border-color: var(--accent); background: rgba(0,0,0,0.4); box-shadow: 0 0 0 3px rgba(37,99,235,0.2); outline: none; }
.app-select option { background: #0f172a; color: white; }

/* Result Banner (Split support) */
.result-banner { background: rgba(0,0,0,0.3); border: 1px solid rgba(255,255,255,0.05); border-radius: 12px; padding: 1.5rem; margin-top: 1.5rem; position: relative; z-index: 10; display: grid; grid-template-columns: 1fr; gap: 1.5rem; align-items: center; }
.result-banner.is-compare { grid-template-columns: 1fr 1fr; text-align: center; }
@media (max-width: 800px) { .result-banner.is-compare { grid-template-columns: 1fr; } }

.banner-col { display: flex; flex-direction: column; gap: 0.5rem; }
.result-banner.is-compare .banner-col:first-child { border-right: 1px solid rgba(255,255,255,0.1); padding-right: 2rem; }
@media (max-width: 800px) { .result-banner.is-compare .banner-col:first-child { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); padding-right: 0; padding-bottom: 2rem; } }

.diff-badge { position: absolute; top: -15px; left: 50%; transform: translateX(-50%); background: var(--accent); color: white; font-weight: 700; font-size: 0.85rem; padding: 0.4rem 1rem; border-radius: 20px; box-shadow: 0 4px 12px rgba(37,99,235,0.4); display: none; white-space: nowrap; }
.result-banner.is-compare .diff-badge { display: block; }

.banner-label { font-size: 0.9rem; font-weight: 700; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 0.5rem; }
.banner-value { font-family: 'DM Serif Display', serif; font-size: clamp(3rem, 5vw, 4rem); color: #FFFFFF; line-height: 1; }

.neon-pill { display: flex; align-items: center; gap: 0.75rem; padding: 0.75rem 1.25rem; border-radius: 50px; font-weight: 700; font-size: 1.1rem; background: rgba(0,0,0,0.2); backdrop-filter: blur(8px); border: 1px solid rgba(255,255,255,0.1); }
.neon-pill.safe { color: var(--neon-safe); border-color: rgba(16, 185, 129, 0.3); text-shadow: 0 0 10px rgba(16,185,129,0.3); }
.neon-pill.warn { color: var(--neon-warn); border-color: rgba(245, 158, 11, 0.3); text-shadow: 0 0 10px rgba(245,158,11,0.3); }
.neon-pill.danger { color: var(--neon-danger); border-color: rgba(239, 68, 68, 0.3); text-shadow: 0 0 10px rgba(239,68,68,0.3); }
.neon-dot { width: 12px; height: 12px; border-radius: 50%; background: currentColor; box-shadow: 0 0 10px currentColor; }

.tax-note { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-top: 1rem; position: relative; z-index: 10; }

/* Goal Hub Grid */
.section-title { font-family: 'DM Serif Display', serif; font-size: 2.2rem; color: var(--brand-dark); margin-bottom: 2rem; display: flex; align-items: center; gap: 1rem; }
.section-title::after { content: ''; flex: 1; height: 1px; background: var(--divider-grad); }

.goal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin-bottom: 4rem; }
@media (max-width: 600px) { .goal-grid { grid-template-columns: 1fr; } }
.goal-card { background: var(--surface); padding: 2rem; border-radius: 16px; box-shadow: var(--glow-shadow); text-decoration: none; color: var(--text); transition: all 0.3s ease; display: flex; flex-direction: column; gap: 1rem; border: 1px solid transparent; }
.goal-card:hover { transform: translateY(-4px); box-shadow: var(--glow-hover); border-color: var(--accent); }
.gc-header { display: flex; justify-content: space-between; align-items: flex-start; }
.gc-icon { font-size: 2.5rem; line-height: 1; }
.gc-arrow { color: var(--accent); opacity: 0; transition: opacity 0.2s, transform 0.2s; transform: translateX(-10px); font-size: 1.25rem; }
.goal-card:hover .gc-arrow { opacity: 1; transform: translateX(0); }
.gc-title { font-family: 'DM Serif Display', serif; font-size: 1.4rem; color: var(--brand-dark); line-height: 1.2; }
.gc-desc { color: var(--text-muted); font-size: 0.95rem; }
.gc-badge { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; padding: 0.2rem 0.6rem; border-radius: 4px; display: inline-block; margin-bottom: 0.5rem; background: #E2E8F0; color: var(--text-muted); }
.gc-badge.safe { background: #dcfce7; color: #166534; }
.gc-badge.warn { background: #fef3c7; color: #92400e; }
.gc-badge.invest { background: #dbeafe; color: #1e40af; }
.gc-badge.danger { background: #fee2e2; color: #991b1b; }

.hub-category { margin-bottom: 3.5rem; }
.hub-header { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.5rem; }
.hub-icon { font-size: 2rem; }
.hub-header h3 { font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--brand-dark); line-height: 1; }

/* Magazine Sidebar (Right Column) */
.sidebar { position: sticky; top: 100px; }

/* Trending Rates Widget */
.rates-widget { background: var(--surface); border-radius: 16px; box-shadow: var(--glow-shadow); padding: 1.5rem; margin-bottom: 2.5rem; }
.rw-title { font-size: 0.85rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); margin-bottom: 1rem; border-bottom: 1px solid #E2E8F0; padding-bottom: 0.75rem; }
.rw-row { display: flex; justify-content: space-between; align-items: center; padding: 0.75rem 0; border-bottom: 1px dashed #E2E8F0; }
.rw-row:last-child { border-bottom: none; }
.rw-label { font-weight: 600; font-size: 0.95rem; color: var(--brand-dark); }
.rw-value-group { display: flex; align-items: center; gap: 0.5rem; }
.rw-rate { font-family: 'DM Serif Display', serif; font-size: 1.25rem; color: var(--text); }
.rw-trend { font-size: 0.8rem; font-weight: 700; padding: 0.1rem 0.4rem; border-radius: 4px; }
.rw-trend.up { background: #fee2e2; color: #b91c1c; } /* Higher rates usually bad for consumers */
.rw-trend.down { background: #dcfce7; color: #15803d; }

/* Top Stories */
.top-stories { margin-bottom: 2.5rem; }
.story-item { position: relative; padding: 1.25rem 0 1.25rem 3.5rem; border-bottom: 1px solid #E2E8F0; text-decoration: none; display: block; group; transition: all 0.2s; }
.story-item:hover .st-title { color: var(--accent); }
.st-num { position: absolute; left: 0; top: 0.5rem; font-family: 'DM Serif Display', serif; font-size: 3rem; color: rgba(15,23,42,0.06); line-height: 1; font-weight: 700; transition: color 0.3s; }
.story-item:hover .st-num { color: rgba(37,99,235,0.15); }
.st-cat { font-size: 0.75rem; font-weight: 800; color: var(--accent); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.25rem; display: block; }
.st-title { font-weight: 700; font-size: 1.05rem; color: var(--brand-dark); line-height: 1.4; transition: color 0.2s; }

/* Expert Verdict Card */
.expert-card { background: linear-gradient(145deg, #062E56, #0A4B88); border-radius: 16px; padding: 2rem; color: white; box-shadow: var(--glow-shadow); position: relative; overflow: hidden; }
.expert-card::after { content: '"'; position: absolute; right: 10px; bottom: -40px; font-family: 'DM Serif Display'; font-size: 10rem; color: rgba(255,255,255,0.05); line-height: 1; pointer-events: none; }
.ec-badge { background: var(--accent); color: white; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; padding: 0.2rem 0.6rem; border-radius: 20px; display: inline-block; margin-bottom: 1rem; }
.ec-quote { font-family: 'DM Serif Display', serif; font-size: 1.25rem; line-height: 1.4; margin-bottom: 1.5rem; }
.ec-author { font-size: 0.9rem; font-weight: 600; opacity: 0.8; }