/* Nffyhkx Finance — base stylesheet */
:root{
  --bg:#ffffff;
  --ink:#1a2230;
  --muted:#5b6776;
  --line:#e7ebf0;
  --brand:#0e7a5f;       /* deep green */
  --brand-dark:#0a5c47;
  --accent:#1f5fbf;      /* trust blue */
  --soft:#f5f8f7;
  --soft2:#eef3f8;
  --warn:#fff8e6;
  --warn-line:#f0d98a;
  --radius:12px;
  --maxw:1080px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,"PingFang SC","Microsoft YaHei",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);
  line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}

/* Header */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand .mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:9px;
  background:var(--brand);color:#fff;font-weight:800;font-size:16px}
.brand b{color:var(--brand)}
.nav-links{display:flex;gap:22px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);font-weight:600;font-size:15px}
.nav-links a:hover{color:var(--brand);text-decoration:none}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;padding:7px 10px;font-size:16px;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line)}
.hero-inner{padding:64px 0 56px;text-align:center;max-width:760px;margin:0 auto}
.hero h1{font-size:40px;line-height:1.2;margin:0 0 16px;letter-spacing:-.5px}
.hero p{font-size:19px;color:var(--muted);margin:0 0 26px}
.btn{display:inline-block;background:var(--brand);color:#fff;font-weight:700;padding:13px 24px;
  border-radius:10px;border:none;cursor:pointer;font-size:16px}
.btn:hover{background:var(--brand-dark);text-decoration:none}
.btn.secondary{background:#fff;color:var(--brand);border:1.5px solid var(--brand)}

/* Sections */
.section{padding:48px 0}
.section h2{font-size:28px;margin:0 0 8px;letter-spacing:-.3px}
.section .lead{color:var(--muted);margin:0 0 28px;max-width:680px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:13px;font-weight:700;color:var(--brand);margin:0 0 8px}

/* Card grid */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;
  transition:box-shadow .15s,transform .15s;display:flex;flex-direction:column}
.card:hover{box-shadow:0 8px 24px rgba(20,40,80,.08);transform:translateY(-2px)}
.card .tag{font-size:12px;font-weight:700;color:var(--brand);text-transform:uppercase;letter-spacing:.06em}
.card h3{font-size:19px;margin:8px 0 8px;line-height:1.35}
.card h3 a{color:var(--ink)}
.card h3 a:hover{color:var(--brand);text-decoration:none}
.card p{color:var(--muted);font-size:15px;margin:0 0 14px;flex:1}
.card .read{font-weight:700;font-size:14px;color:var(--brand)}

/* Feature row */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feature{padding:22px;border-radius:var(--radius);background:var(--soft)}
.feature .ic{font-size:26px}
.feature h3{margin:10px 0 6px;font-size:18px}
.feature p{color:var(--muted);font-size:15px;margin:0}

/* Article */
.article{max-width:760px;margin:0 auto;padding:40px 0 24px}
.article .kicker{color:var(--brand);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:13px}
.article h1{font-size:34px;line-height:1.25;margin:8px 0 14px;letter-spacing:-.4px}
.article .meta{color:var(--muted);font-size:14px;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:26px}
.article h2{font-size:25px;margin:36px 0 12px}
.article h3{font-size:20px;margin:26px 0 8px}
.article p{margin:0 0 18px}
.article ul,.article ol{margin:0 0 18px;padding-left:22px}
.article li{margin:6px 0}
.article table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article th{background:var(--soft2)}
.callout{background:var(--soft);border-left:4px solid var(--brand);border-radius:8px;padding:16px 18px;margin:22px 0}
.callout strong{color:var(--brand-dark)}
.disclaimer-box{background:var(--warn);border:1px solid var(--warn-line);border-radius:10px;padding:16px 18px;margin:28px 0;font-size:15px;color:#6b5a16}
.faq dt{font-weight:700;margin:18px 0 4px}
.faq dd{margin:0 0 12px;color:var(--muted)}
.related{border-top:1px solid var(--line);margin-top:34px;padding-top:24px}
.related h3{margin:0 0 12px}

/* Ad slot placeholder — hidden while using Auto Ads; will be replaced with real
   manual ad units in the best in-article spots after approval (hybrid setup). */
.ad-slot{display:none}

/* Page (legal/about) */
.page{max-width:780px;margin:0 auto;padding:40px 0}
.page h1{font-size:32px;margin:0 0 6px}
.page .updated{color:var(--muted);font-size:14px;margin:0 0 26px}
.page h2{font-size:22px;margin:30px 0 10px}
.page p,.page li{color:#2a3543}
.page ul{padding-left:22px}

/* Contact form */
.form{display:grid;gap:14px;max-width:560px}
.form label{font-weight:600;font-size:15px}
.form input,.form textarea{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:9px;font-size:15px;font-family:inherit}
.form textarea{min-height:130px;resize:vertical}

/* Footer */
.site-footer{background:#0f1722;color:#c4cdd9;margin-top:56px;padding:46px 0 28px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.site-footer .brand{color:#fff}
.site-footer .brand .mark{background:var(--brand)}
.site-footer p{color:#9aa6b4;font-size:14px;max-width:320px}
.site-footer h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:8px 0}
.site-footer a{color:#c4cdd9;font-size:14px}
.site-footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid #25303e;margin-top:30px;padding-top:20px;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px;color:#7e8a98}

@media(max-width:820px){
  .grid,.features,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:31px}
  .nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;
    flex-direction:column;border-bottom:1px solid var(--line);padding:10px 20px;gap:0}
  .nav-links.open{display:flex}
  .nav-links li{padding:10px 0;border-bottom:1px solid var(--line)}
  .nav-toggle{display:block}
}

/* Author meta block */
.author-meta{display:flex;align-items:center;gap:14px;margin:24px 0 32px;padding:18px 20px;background:var(--soft);border-radius:var(--radius)}
.author-avatar{display:flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;font-size:20px;flex-shrink:0}
.author-name{display:block;font-weight:700;font-size:15px;color:var(--ink)}
.author-role{display:block;font-size:13px;color:var(--muted);margin-top:2px}