/* =========================================================
   FBAR Information — FBAR Information Website
   Professional design system
   ========================================================= */

:root {
  /* Color palette */
  --navy-900: #0b1f3a;
  --navy-800: #12294b;
  --navy-700: #1b3a63;
  --navy-600: #244d80;
  --blue-500: #2f6fb0;
  --blue-400: #4a8fd0;
  --accent: #c8952f;
  --accent-dark: #a9791f;
  --ink: #1c2733;
  --ink-soft: #45525f;
  --muted: #6b7885;
  --line: #e2e8ef;
  --line-strong: #cdd7e2;
  --bg: #ffffff;
  --bg-soft: #f5f8fc;
  --bg-tint: #eef4fb;
  --success: #1f7a4d;
  --warn-bg: #fff7e6;
  --warn-border: #e7c67a;
  --danger-bg: #fdeeee;
  --danger-border: #e5b4b4;
  --danger: #a8322d;

  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 2px rgba(11, 31, 58, 0.06);
  --shadow: 0 6px 20px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 18px 45px rgba(11, 31, 58, 0.14);
  --maxw: 1140px;
  --font-sans: "Segoe UI", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  --font-serif: Georgia, "Times New Roman", serif;
}

/* ---------- Reset ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-500); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.25; color: var(--navy-900); font-weight: 700; }
h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); margin: 0 0 .5em; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin: 1.8em 0 .6em; }
h3 { font-size: 1.25rem; margin: 1.5em 0 .5em; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.1em; padding-left: 1.4em; }
li { margin: .35em 0; }
hr { border: none; border-top: 1px solid var(--line); margin: 2.5rem 0; }
code { background: var(--bg-tint); padding: .1em .4em; border-radius: 4px; font-size: .92em; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.section { padding: 64px 0; }
.section--soft { background: var(--bg-soft); }
.section--tight { padding: 40px 0; }
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.text-center { text-align: center; }
.lead { font-size: 1.2rem; color: var(--ink-soft); }
.eyebrow {
  display: inline-block; text-transform: uppercase; letter-spacing: .12em;
  font-size: .78rem; font-weight: 700; color: var(--accent-dark);
  margin-bottom: .8rem;
}

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--navy-900);
  color: #fff; padding: 10px 16px; z-index: 1000; border-radius: 0 0 6px 0;
}
.skip-link:focus { left: 0; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-900); color: #cfe0f2; font-size: .82rem;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: #eaf2fb; }
.topbar__meta { display: flex; gap: 18px; flex-wrap: wrap; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 900; background: #fff;
  border-bottom: 1px solid var(--line); box-shadow: var(--shadow-sm);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 14px 0; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; font-size: 1.15rem; color: var(--navy-900); }
.brand:hover { text-decoration: none; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 9px; flex: none;
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 1rem;
  letter-spacing: .02em;
}
.brand__name small { display: block; font-size: .68rem; font-weight: 600; color: var(--muted); letter-spacing: .04em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  display: block; padding: 9px 13px; border-radius: 7px; color: var(--ink);
  font-weight: 600; font-size: .95rem;
}
.nav-links a:hover { background: var(--bg-tint); text-decoration: none; color: var(--navy-800); }
.nav-links a.active { color: var(--blue-500); background: var(--bg-tint); }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line-strong);
  border-radius: 8px; padding: 8px 10px; cursor: pointer;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy-800); margin: 4px 0; transition: .2s; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: 12px 22px; border-radius: 8px; font-weight: 700;
  font-size: .98rem; cursor: pointer; border: 2px solid transparent; transition: .18s;
  text-align: center;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: #23180a; border-color: var(--accent); }
.btn-primary:hover { background: var(--accent-dark); border-color: var(--accent-dark); color: #fff; }
.btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-outline:hover { background: rgba(255,255,255,.12); }
.btn-dark { background: var(--navy-800); color: #fff; border-color: var(--navy-800); }
.btn-dark:hover { background: var(--navy-900); color: #fff; }
.btn-sm { padding: 9px 16px; font-size: .9rem; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1000px 500px at 80% -10%, rgba(74,143,208,.25), transparent 60%),
    linear-gradient(160deg, var(--navy-900), var(--navy-700) 70%);
  color: #eaf2fb; position: relative; overflow: hidden;
}
.hero .container { position: relative; z-index: 2; padding-top: 72px; padding-bottom: 72px; }
.hero h1 { color: #fff; max-width: 16ch; }
.hero p { color: #d3e2f2; font-size: 1.2rem; max-width: 60ch; }
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.hero__badges { display: flex; gap: 22px; flex-wrap: wrap; margin-top: 34px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.15); }
.hero__badge { display: flex; gap: 10px; align-items: center; font-size: .92rem; color: #cfe0f2; }
.hero__badge strong { color: #fff; }

/* Page hero (interior) */
.page-hero {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-600));
  color: #eaf2fb; padding: 52px 0;
}
.page-hero h1 { color: #fff; margin-bottom: .3em; }
.page-hero p { color: #d3e2f2; max-width: 65ch; margin: 0; font-size: 1.12rem; }
.breadcrumb { font-size: .85rem; color: #b9cde3; margin-bottom: 14px; }
.breadcrumb a { color: #dcebfa; }
.breadcrumb span { opacity: .6; padding: 0 6px; }

/* ---------- Cards ---------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow-sm); transition: .18s; height: 100%;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); border-color: var(--line-strong); }
.card h3 { margin-top: 0; }
.card__icon {
  width: 48px; height: 48px; border-radius: 10px; display: grid; place-items: center;
  background: var(--bg-tint); color: var(--blue-500); font-size: 1.4rem; margin-bottom: 14px;
}
.card--link { display: block; color: inherit; }
.card--link:hover { text-decoration: none; }
.card__more { color: var(--blue-500); font-weight: 700; font-size: .92rem; }

/* Stat cards */
.stat { text-align: center; padding: 22px; }
.stat__num { font-size: 2.2rem; font-weight: 800; color: var(--navy-800); }
.stat__label { color: var(--muted); font-size: .92rem; }

/* ---------- Callouts ---------- */
.callout { border-radius: var(--radius); padding: 18px 22px; margin: 1.6rem 0; border: 1px solid var(--line); background: var(--bg-soft); }
.callout__title { font-weight: 700; margin: 0 0 .35em; display: flex; align-items: center; gap: 8px; }
.callout p:last-child { margin-bottom: 0; }
.callout--info { background: var(--bg-tint); border-color: #c3d8ef; }
.callout--warn { background: var(--warn-bg); border-color: var(--warn-border); }
.callout--danger { background: var(--danger-bg); border-color: var(--danger-border); }
.callout--danger .callout__title { color: var(--danger); }

/* ---------- Content article ---------- */
.article { max-width: 800px; margin: 0 auto; }
.article--wide { max-width: 920px; }
.article h2 { padding-top: .2em; }
.article ul li::marker { color: var(--accent); }
.article table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: .96rem; }
.article th, .article td { text-align: left; padding: 12px 14px; border: 1px solid var(--line); }
.article th { background: var(--navy-800); color: #fff; font-weight: 600; }
.article tbody tr:nth-child(even), .article tr:nth-child(even) td { background: var(--bg-soft); }
.table-wrap { overflow-x: auto; }

/* Layout with sidebar */
.with-aside { display: grid; grid-template-columns: 1fr 300px; gap: 44px; align-items: start; }
.aside { position: sticky; top: 96px; }
.aside .card { padding: 20px; }
.toc { list-style: none; padding: 0; margin: 0; }
.toc li { margin: 0; }
.toc a { display: block; padding: 7px 10px; border-left: 2px solid var(--line); color: var(--ink-soft); font-size: .92rem; }
.toc a:hover { border-color: var(--accent); color: var(--navy-800); text-decoration: none; background: var(--bg-soft); }

/* ---------- Steps ---------- */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 1.5rem 0; }
.steps > li {
  position: relative; padding: 0 0 26px 62px; margin: 0;
  border-left: 2px solid var(--line); margin-left: 20px;
}
.steps > li:last-child { border-left-color: transparent; padding-bottom: 0; }
.steps > li::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: -20px; top: -4px; width: 38px; height: 38px;
  background: var(--navy-800); color: #fff; border-radius: 50%;
  display: grid; place-items: center; font-weight: 700;
}
.steps h3 { margin: 0 0 .35em; }

/* ---------- FAQ / Accordion ---------- */
.faq-item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; background: #fff; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 18px 52px 18px 20px; font-size: 1.05rem; font-weight: 700; color: var(--navy-900);
  position: relative;
}
.faq-q:hover { background: var(--bg-soft); }
.faq-q::after {
  content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; color: var(--accent-dark); font-weight: 400;
}
.faq-q[aria-expanded="true"]::after { content: "\2013"; }
.faq-a { padding: 0 20px; max-height: 0; overflow: hidden; transition: max-height .3s ease, padding .3s ease; }
.faq-a[hidden] { display: block; }
.faq-item.open .faq-a { max-height: 600px; padding: 0 20px 18px; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-600));
  color: #fff; border-radius: var(--radius-lg); padding: 46px; text-align: center;
}
.cta-band h2 { color: #fff; margin-top: 0; }
.cta-band p { color: #d3e2f2; max-width: 55ch; margin: 0 auto 22px; }

/* ---------- Forms ---------- */
.form-grid { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-weight: 600; font-size: .92rem; }
.form-field input, .form-field select, .form-field textarea {
  padding: 12px 14px; border: 1px solid var(--line-strong); border-radius: 8px;
  font-family: inherit; font-size: 1rem; background: #fff;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 3px rgba(47,111,176,.15);
}
.form-note { font-size: .85rem; color: var(--muted); }
.form-status { padding: 14px 16px; border-radius: 8px; font-weight: 600; display: none; }
.form-status.show { display: block; }
.form-status.ok { background: #e9f6ef; color: var(--success); border: 1px solid #b7e0c8; }
.form-status.err { background: var(--danger-bg); color: var(--danger); border: 1px solid var(--danger-border); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9cde3; padding: 56px 0 0; margin-top: 40px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 34px; }
.site-footer h4 { color: #fff; font-size: .95rem; text-transform: uppercase; letter-spacing: .06em; margin: 0 0 16px; }
.site-footer a { color: #c9dbef; }
.site-footer a:hover { color: #fff; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin: 8px 0; }
.footer-brand .brand { color: #fff; margin-bottom: 14px; }
.footer-brand .brand__name { color: #fff; }
.footer-brand p { font-size: .92rem; color: #9fb6cf; max-width: 34ch; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); margin-top: 44px; padding: 22px 0;
  font-size: .85rem; color: #90a8c2; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.footer-disclaimer {
  background: rgba(0,0,0,.22); border-radius: 10px; padding: 16px 20px; margin-top: 30px;
  font-size: .82rem; color: #9fb6cf; line-height: 1.6;
}

/* ---------- Cookie banner ---------- */
.cookie-banner {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 1200;
  background: #fff; border: 1px solid var(--line-strong); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 20px 22px; display: none;
  gap: 18px; align-items: center; justify-content: space-between; flex-wrap: wrap;
  max-width: 1000px; margin: 0 auto;
}
.cookie-banner.show { display: flex; }
.cookie-banner p { margin: 0; font-size: .9rem; color: var(--ink-soft); max-width: 62ch; }
.cookie-banner__actions { display: flex; gap: 10px; flex-wrap: wrap; }

/* ---------- Misc ---------- */
.pill { display: inline-block; background: var(--bg-tint); color: var(--navy-700); padding: 4px 12px; border-radius: 999px; font-size: .8rem; font-weight: 700; }
.divider-label { text-align: center; color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; margin: 0 0 8px; }
.updated { color: var(--muted); font-size: .88rem; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .with-aside { grid-template-columns: 1fr; }
  .aside { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 780px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    flex-direction: column; align-items: stretch; gap: 0; padding: 8px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 14px; border-radius: 6px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 26px; }
  .cta-band { padding: 32px 22px; }
}
@media (max-width: 480px) {
  body { font-size: 16px; }
  .section { padding: 44px 0; }
  .topbar__meta { display: none; }
}