/* ============================================================
   Fingertips Finance · 掌忠贷
   Design tokens + component primitives
   Family: Halo Fortune (cream + ink). Variant: navy + coral + teal.
   ============================================================ */

:root {
  /* Paper — cool blue-grey */
  --cream-50:  #F5F7FA;
  --cream-100: #EDF1F6;
  --cream-200: #DDE5EE;
  --cream-300: #C4D0DD;
  --cream-400: #9AAAB9;

  /* Ink (warm-cool blend; logo is navy-leaning) */
  --ink-900: #0B1124;
  --ink-800: #161D36;
  --ink-700: #2B3450;
  --ink-500: #5C6485;
  --ink-400: #8189A6;
  --ink-300: #B5BAD0;

  /* Navy — matches logo */
  --navy-900: #0F1E47;
  --navy-800: #142657;
  --navy-700: #1B3479;
  --navy-500: #2D52B5;
  --navy-100: #DFE7FA;

  /* Coral — warmth / "用心" / primary CTA */
  --coral-700: #C84A1F;
  --coral-600: #E85A2C;
  --coral-500: #FF6B3D;
  --coral-400: #FF8A63;
  --coral-200: #FFCAB3;
  --coral-100: #FFE4D6;
  --coral-50:  #FFF3EC;

  /* Teal — data / live / AI accent */
  --teal-700: #086C66;
  --teal-500: #0FB5A8;
  --teal-400: #3FCBC0;
  --teal-100: #D0F2EE;
  --teal-50:  #E8F8F6;

  /* Blue gradient — replaces all "black" surfaces */
  --blue-gradient: linear-gradient(160deg, #4E72C9 0%, #314E96 40%, #2D3565 65%, #5C3D5C 84%, #A05844 96%, #C26B3A 100%);
  --blue-gradient-soft: linear-gradient(160deg, #6E8CDA 0%, #4763BC 45%, #34467F 72%, #6B445A 90%, #B86844 100%);

  /* Trust / Status */
  --green-600: #226B40;
  --green-500: #2D7A4F;
  --green-100: #DDF1E2;
  --red-600:   #9B3B3B;
  --red-100:   #F8E0E0;

  /* Type stacks */
  --font-display: "Geist", "SF Pro Display", -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Noto Sans SC", sans-serif;
  --font-body:    "Inter", "SF Pro Text", -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Noto Sans SC", sans-serif;
  --font-mono:    "Geist Mono", "JetBrains Mono", ui-monospace, "SF Mono", Menlo, Consolas, monospace;
  --font-cn:      "Noto Sans SC", "PingFang SC", "Microsoft YaHei", sans-serif;

  /* Radii */
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-pill: 999px;

  /* Shadows — soft, never harsh */
  --shadow-soft: 0 1px 2px rgba(11,17,36,.04), 0 6px 18px rgba(11,17,36,.05);
  --shadow-lift: 0 2px 4px rgba(11,17,36,.05), 0 16px 40px rgba(11,17,36,.08);
  --shadow-coral: 0 0 0 1px rgba(255,107,61,.18), 0 10px 28px rgba(255,107,61,.20);

  /* Layout */
  --container: 1200px;
  --gutter: 24px;

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
}

/* ----- Reset / base ----- */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body {
  font-family: var(--font-body);
  color: var(--ink-900);
  background: var(--cream-100);
  font-size: 16px;
  line-height: 1.55;
  text-rendering: optimizeLegibility;
}
:root[lang="zh"] body { font-family: var(--font-cn); }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
input, select, textarea { font: inherit; color: inherit; }

/* tabular numbers for everything financial */
.tnum, .rate, .amount, .stat-value { font-variant-numeric: tabular-nums; }

/* ----- Container ----- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.container-wide { max-width: 1320px; margin: 0 auto; padding: 0 var(--gutter); }

/* ----- Type ----- */
.display {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.025em;
  line-height: 1.05;
}
:root[lang="zh"] .display { font-family: var(--font-cn); font-weight: 700; letter-spacing: -0.01em; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--coral-600);
}
:root[lang="zh"] .eyebrow { letter-spacing: 0.06em; font-size: 12px; text-transform: none; }
.eyebrow::before {
  content: "";
  width: 22px; height: 1px;
  background: var(--coral-500);
}

.h1 { font-size: clamp(40px, 5.4vw, 68px); font-family: var(--font-display); font-weight: 600; letter-spacing: -0.03em; line-height: 1.04; }
.h2 { font-size: clamp(32px, 3.4vw, 48px); font-family: var(--font-display); font-weight: 600; letter-spacing: -0.025em; line-height: 1.08; }
.h3 { font-size: clamp(22px, 2vw, 28px); font-family: var(--font-display); font-weight: 600; letter-spacing: -0.015em; line-height: 1.18; }
.h4 { font-size: 18px; font-weight: 600; letter-spacing: -0.005em; }
.lede { font-size: clamp(17px, 1.4vw, 19px); color: var(--ink-700); line-height: 1.55; }

/* ----- Buttons ----- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  height: 48px;
  padding: 0 22px;
  border-radius: var(--r-pill);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: -0.005em;
  white-space: nowrap;
  transition: all .22s var(--ease);
  border: 1px solid transparent;
}
.btn-sm { height: 38px; padding: 0 16px; font-size: 14px; }
.btn-lg { height: 56px; padding: 0 28px; font-size: 16px; }

.btn-primary { background: var(--coral-500); color: #fff; }
.btn-primary:hover { background: var(--coral-600); box-shadow: var(--shadow-coral); transform: translateY(-1px); }

.btn-ink { background: var(--blue-gradient); color: #fff; }
.btn-ink:hover { background: var(--blue-gradient-soft); transform: translateY(-1px); }

.btn-ghost { background: transparent; color: var(--ink-900); border-color: var(--ink-300); }
.btn-ghost:hover { border-color: var(--ink-700); background: rgba(11,17,36,.03); }

.btn-secondary { background: var(--cream-50); color: var(--ink-900); border-color: var(--cream-300); }
.btn-secondary:hover { border-color: var(--coral-500); color: var(--coral-700); }

.btn-wechat { background: #07C160; color: #fff; }
.btn-wechat:hover { background: #06B057; }

.btn-phone { background: var(--blue-gradient); color: #fff; }
.btn-phone:hover { background: var(--blue-gradient-soft); }

.btn-whatsapp { background: #25D366; color: #fff; }
.btn-whatsapp:hover { background: #1FB855; }

.btn-icon { width: 48px; height: 48px; padding: 0; border-radius: var(--r-pill); }

/* arrow microhover */
.btn .arrow { transition: transform .22s var(--ease); }
.btn:hover .arrow { transform: translateX(3px); }

/* ----- Card ----- */
.card {
  background: #fff;
  border: 1px solid var(--cream-300);
  border-radius: var(--r-lg);
  padding: 24px;
  transition: all .22s var(--ease);
}
.card { box-shadow: 0 1px 2px rgba(15,30,71,.04), 0 8px 24px rgba(15,30,71,.06); }
.card:hover { border-color: var(--coral-400); box-shadow: 0 2px 4px rgba(15,30,71,.06), 0 18px 40px rgba(15,30,71,.10); transform: translateY(-3px); }
.card-flat { background: var(--cream-50); border-color: var(--cream-200); }
.card-flat:hover { border-color: var(--coral-400); }
.card-dark { background: var(--blue-gradient); color: #fff; border-color: rgba(255,255,255,.08); }
.card-dark:hover { border-color: var(--coral-500); }
.card-feature { background: linear-gradient(135deg, #FFF8F2 0%, #fff 60%); border-color: var(--coral-200); }

/* ----- Pill / chip / badge ----- */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: var(--r-pill);
  background: var(--cream-50);
  border: 1px solid var(--cream-300);
  font-size: 12.5px;
  font-weight: 500;
  color: var(--ink-700);
  white-space: nowrap;
}
.pill-live {
  background: var(--teal-50);
  border-color: var(--teal-100);
  color: var(--teal-700);
}
.pill-live .dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--teal-500);
  box-shadow: 0 0 0 4px rgba(15,181,168,.18);
  animation: pulse 1.8s ease-in-out infinite;
}
.pill-trust { background: #fff; }
.pill-num { font-variant-numeric: tabular-nums; color: var(--ink-900); font-weight: 600; }

.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 4px 9px;
  border-radius: 6px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.badge-coral { background: var(--coral-100); color: var(--coral-700); }
.badge-navy { background: var(--navy-100); color: var(--navy-700); }
.badge-teal { background: var(--teal-100); color: var(--teal-700); }
.badge-green { background: var(--green-100); color: var(--green-600); }
.badge-best { background: var(--ink-900); color: var(--coral-400); }

@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px rgba(15,181,168,.18); }
  50%      { box-shadow: 0 0 0 8px rgba(15,181,168,.10); }
}

/* ----- Section rhythm ----- */
section { position: relative; }
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-lg { padding: 128px 0; }
.section-cream { background: linear-gradient(180deg, var(--cream-100) 0%, var(--cream-200) 100%); }
.section-cream-2 { background: linear-gradient(180deg, #E4ECF4 0%, #CFDAE6 100%); }
.section-white { background: #fff; }
/* Visible accent between consecutive sections */
.section + .section { position: relative; }
.section + .section::before {
  content: ""; position: absolute; left: 50%; top: 0;
  width: 64px; height: 3px; transform: translateX(-50%);
  background: linear-gradient(90deg, transparent, var(--coral-500), transparent);
  border-radius: 2px;
}
.section-ink { background: var(--blue-gradient); color: #fff; }
.section-ink .lede { color: rgba(255,255,255,.78); }
.section-ink h1, .section-ink h2, .section-ink h3, .section-ink h4 { color: #fff; }

/* dark panel inside cream — rounded, never edge-to-edge */
.dark-panel {
  background: var(--blue-gradient);
  color: #fff;
  border-radius: var(--r-xl);
  padding: 64px 56px;
  position: relative;
  overflow: hidden;
}
.dark-panel h1, .dark-panel h2, .dark-panel h3, .dark-panel h4 { color: #fff; }
.dark-panel .lede { color: rgba(255,255,255,.82); }

/* ----- Header / Nav ----- */
.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250,247,242,.85);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid rgba(232,223,209,.7);
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand-mark {
  display: inline-flex; align-items: center; gap: 12px;
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.015em;
}
.brand-mark img { height: 52px; width: auto; }
.brand-logo {
  width: 242px;
  height: 52px;
  background: linear-gradient(95deg, #4E78D8 0%, #3D5BB0 25%, #4A4080 50%, #8C5A4A 72%, #C26B3A 92%, #E08A4A 100%);
  -webkit-mask: url("../assets/fingertips-bilingual-transparent.png") no-repeat left center / contain;
          mask: url("../assets/fingertips-bilingual-transparent.png") no-repeat left center / contain;
}
.brand-logo-light {
  background: linear-gradient(95deg, #B5CEFF 0%, #DFE7FA 35%, #FFFFFF 100%);
  -webkit-mask: url("../assets/fingertips-bilingual-white.png") no-repeat left center / contain;
          mask: url("../assets/fingertips-bilingual-white.png") no-repeat left center / contain;
}
.nav { display: flex; gap: 8px; align-items: center; }
.nav a {
  padding: 8px 14px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-700);
  transition: all .15s var(--ease);
}
.nav a:hover { color: var(--ink-900); background: rgba(11,17,36,.04); }
.nav a.active { color: var(--coral-700); }

/* lang switcher */
.lang-switch {
  display: inline-flex;
  background: var(--cream-200);
  border-radius: var(--r-pill);
  padding: 3px;
  gap: 0;
}
.lang-switch button {
  padding: 5px 12px;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-500);
  letter-spacing: 0.02em;
  transition: all .18s var(--ease);
}
.lang-switch button.active {
  background: linear-gradient(160deg, #2D52B5, #0F1E47);
  color: #fff;
}

/* ----- Footer ----- */
.footer {
  background: var(--blue-gradient);
  color: rgba(255,255,255,.78);
  padding: 80px 0 40px;
}
.footer h5 { color: #fff; font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; margin: 0 0 16px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; font-size: 13.5px; }
.footer a { color: var(--ink-300); transition: color .15s var(--ease); }
.footer a:hover { color: #fff; }
/* Sprint 5 round-5 (2026-05-12): desktop default grid was missing —
   only existed inside media queries (<=980px = 2-col, <=480px = 1-col).
   That meant at viewports > 980px the footer columns stacked
   vertically as default `display: block`, producing the user-
   reported "footer too tall" rendering. Add explicit 5-col grid for
   desktop matching the home.html inline rule. */
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.1fr; gap: 36px; }
.footer-brand-block { max-width: 280px; }
.footer-qr { width: 132px; height: 132px; padding: 8px; background: #fff; border-radius: 10px; margin-top: 18px; }
.footer-bottom { margin-top: 56px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.08); display:flex; justify-content:space-between; gap:24px; flex-wrap:wrap; font-size: 12.5px; color: var(--ink-400); }

/* ----- RateRow (KEY component) ----- */
.rate-row {
  display: grid;
  grid-template-columns: minmax(160px, 1.4fr) 1fr 1fr 1fr 1fr auto;
  align-items: center;
  gap: 20px;
  padding: 18px 22px;
  background: #fff;
  border: 1px solid var(--cream-300);
  border-radius: var(--r-md);
  transition: all .18s var(--ease);
}
.rate-row + .rate-row { margin-top: 10px; }
.rate-row { box-shadow: 0 1px 2px rgba(15,30,71,.04), 0 6px 18px rgba(15,30,71,.05); }
.rate-row:hover { border-color: var(--coral-400); box-shadow: 0 2px 4px rgba(15,30,71,.06), 0 14px 32px rgba(15,30,71,.10); transform: translateY(-2px); }

/* ----- Universal floating-card pattern (step / news / post / pillar / insight) ----- */
.step-card, .news-card, .post-thumb, .pillar, .insight-card, .feature-card, .testimonial-card, .lender-card, .stat-card {
  background: #fff;
  border: 1px solid var(--cream-200);
  border-radius: 16px;
  box-shadow: 0 1px 2px rgba(15,30,71,.04), 0 10px 28px rgba(15,30,71,.07);
  transition: transform .22s var(--ease), box-shadow .22s var(--ease), border-color .22s var(--ease);
}
.step-card:hover, .news-card:hover, .post-thumb:hover, .pillar:hover, .insight-card:hover, .feature-card:hover, .testimonial-card:hover, .lender-card:hover, .stat-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 3px 6px rgba(15,30,71,.06), 0 22px 48px rgba(15,30,71,.12);
  border-color: var(--coral-300);
}
.rate-row.featured { border-color: var(--coral-500); background: linear-gradient(90deg, #FFF8F2 0%, #fff 30%); }
.rate-row .bank {
  display: flex; align-items: center; gap: 12px;
}
.rate-row .bank-logo {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.02em;
  flex-shrink: 0;
}
.rate-row .bank-name { font-weight: 600; font-size: 15px; color: var(--ink-900); }
.rate-row .bank-meta { font-size: 12px; color: var(--ink-500); margin-top: 2px; }
.rate-row .col-label { font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-500); margin-bottom: 4px; }
.rate-row .col-value { font-family: var(--font-display); font-size: 22px; font-weight: 600; color: var(--ink-900); font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }
.rate-row .col-value .pct { font-size: 14px; color: var(--ink-500); margin-left: 2px; font-weight: 500; }
.rate-row .col-value .delta-down { color: var(--green-500); font-size: 13px; margin-left: 6px; font-weight: 500; }

.rate-row-header {
  display: grid;
  grid-template-columns: minmax(160px, 1.4fr) 1fr 1fr 1fr 1fr auto;
  gap: 20px;
  padding: 12px 22px;
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-500);
  font-weight: 600;
}

/* ----- Step indicator ----- */
.steps { display: flex; align-items: center; gap: 0; }
.step {
  display: flex; align-items: center; gap: 10px;
  flex: 1;
  padding-right: 12px;
}
.step .num {
  width: 32px; height: 32px;
  border-radius: 50%;
  display: grid; place-items: center;
  background: var(--cream-200);
  color: var(--ink-500);
  font-weight: 600;
  font-size: 13px;
  font-variant-numeric: tabular-nums;
  flex-shrink: 0;
  transition: all .22s var(--ease);
}
.step .label { font-size: 13.5px; font-weight: 500; color: var(--ink-500); }
.step.done .num { background: var(--green-500); color: #fff; }
.step.active .num { background: linear-gradient(160deg, #2D52B5, #0F1E47); color: #fff; box-shadow: 0 0 0 4px rgba(255,107,61,.18); }
.step.active .label { color: var(--ink-900); font-weight: 600; }
.step .bar {
  flex: 1; height: 2px;
  background: var(--cream-300);
  border-radius: 2px;
  margin: 0 10px;
}
.step.done .bar { background: var(--green-500); }

/* ----- Floating contact buttons ----- */
.floating-stack {
  position: fixed;
  right: 20px;
  bottom: 24px;
  z-index: 60;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-end;
}
.float-btn {
  display: inline-flex; align-items: center; gap: 10px;
  height: 52px;
  padding: 0 18px 0 14px;
  border-radius: var(--r-pill);
  font-weight: 600;
  font-size: 14px;
  color: #fff;
  box-shadow: 0 8px 28px rgba(11,17,36,.18);
  transition: all .22s var(--ease);
}
.float-btn:hover { transform: translateY(-2px); box-shadow: 0 14px 36px rgba(11,17,36,.24); }
.float-btn .icon-wrap {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,.18);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.float-btn-wechat { background: #07C160; }
.float-btn-phone { background: var(--coral-500); }
.float-btn-whatsapp { background: #25D366; }
.float-btn-collapsed { padding: 0; width: 52px; justify-content: center; }
.float-btn-collapsed .label-text { display: none; }

/* ----- Trust strip ----- */
.trust-strip {
  display: flex; flex-wrap: wrap; gap: 10px; align-items: center;
}

/* ----- Logo wall ----- */
.logo-wall {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1px;
  background: var(--cream-300);
  border: 1px solid var(--cream-300);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.logo-cell {
  background: #fff;
  display: grid; place-items: center;
  padding: 22px 16px;
  min-height: 80px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  color: var(--ink-700);
  letter-spacing: -0.01em;
  transition: all .15s var(--ease);
}
.logo-cell:hover { background: var(--cream-50); color: var(--ink-900); }
.logo-cell .sub { font-size: 10px; color: var(--ink-400); font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; margin-top: 3px; }

/* ----- Stat block ----- */
.stat {
  display: flex; flex-direction: column; gap: 6px;
  padding-left: 16px;
  border-left: 3px solid var(--coral-500);
}
.stat-value { font-family: var(--font-display); font-size: 36px; font-weight: 600; letter-spacing: -0.025em; line-height: 1; color: var(--ink-900); font-variant-numeric: tabular-nums; }
.stat-label { font-size: 13px; color: var(--ink-500); }

/* ----- Language visibility ----- */
[data-lang="zh"] { display: none; }
[data-lang="en"] { display: none; }
:root[lang="zh"] [data-lang="zh"] { display: revert; }
:root[lang="en"] [data-lang="en"] { display: revert; }
:root[lang="zh"] [data-lang="zh"].block, :root[lang="en"] [data-lang="en"].block { display: block; }
:root[lang="zh"] [data-lang="zh"].flex, :root[lang="en"] [data-lang="en"].flex { display: flex; }
:root[lang="zh"] [data-lang="zh"].grid, :root[lang="en"] [data-lang="en"].grid { display: grid; }
:root[lang="zh"] [data-lang="zh"].inline-flex, :root[lang="en"] [data-lang="en"].inline-flex { display: inline-flex; }

/* zh/en only chrome (whole sections that swap, like floating stack) */
:root[lang="zh"] .show-en-only { display: none !important; }
:root[lang="en"] .show-zh-only { display: none !important; }

/* Dual-language inline-text spans (Sprint 4 round-2 audit fix for
 * GEO crawlers that don't run JS — both languages live in SSR HTML
 * as independent DOM nodes; CSS toggles visibility based on the
 * html lang attribute. The previous data-lang-* attribute pattern
 * left the English copy invisible to non-JS crawlers.) */
.lang-zh, .lang-en { display: inline; }
:root[lang="zh"] .lang-en, :root[lang="zh-AU"] .lang-en { display: none; }
:root[lang="en"] .lang-zh, :root[lang="en-AU"] .lang-zh { display: none; }

/* ----- Utility ----- */
.grid { display: grid; }
.flex { display: flex; }
.inline-flex { display: inline-flex; }
.items-center { align-items: center; }
.items-start { align-items: flex-start; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.gap-2 { gap: 8px; }
.gap-3 { gap: 12px; }
.gap-4 { gap: 16px; }
.gap-5 { gap: 20px; }
.gap-6 { gap: 24px; }
.gap-8 { gap: 32px; }
.flex-wrap { flex-wrap: wrap; }
.flex-col { flex-direction: column; }
.text-center { text-align: center; }
.text-ink-500 { color: var(--ink-500); }
.text-ink-700 { color: var(--ink-700); }
.text-coral { color: var(--coral-600); }
.text-teal { color: var(--teal-700); }
.text-green { color: var(--green-500); }
.muted { color: var(--ink-500); }

.mt-0 { margin-top: 0; } .mt-2 { margin-top: 8px; } .mt-3 { margin-top: 12px; } .mt-4 { margin-top: 16px; } .mt-6 { margin-top: 24px; } .mt-8 { margin-top: 32px; } .mt-10 { margin-top: 40px; } .mt-12 { margin-top: 48px; } .mt-16 { margin-top: 64px; }
.mb-2 { margin-bottom: 8px; } .mb-3 { margin-bottom: 12px; } .mb-4 { margin-bottom: 16px; } .mb-6 { margin-bottom: 24px; } .mb-8 { margin-bottom: 32px; } .mb-10 { margin-bottom: 40px; } .mb-12 { margin-bottom: 48px; }

.divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--cream-300), transparent);
  margin: 32px 0;
}

/* ----- Hero radial glow (optional bg deco) ----- */
.hero-glow {
  position: absolute;
  pointer-events: none;
  inset: 0;
  background:
    radial-gradient(700px 400px at 88% 18%, rgba(255,107,61,.16), transparent 60%),
    radial-gradient(600px 380px at 8% 90%, rgba(15,181,168,.10), transparent 60%);
}

/* ----- AU map dots ----- */
.au-pin {
  position: absolute;
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--coral-500);
  box-shadow: 0 0 0 6px rgba(255,107,61,.18), 0 0 0 12px rgba(255,107,61,.08);
  transform: translate(-50%, -50%);
}
.au-pin.live { animation: pulse-coral 2.4s ease-in-out infinite; }
@keyframes pulse-coral {
  0%,100% { box-shadow: 0 0 0 6px rgba(255,107,61,.18), 0 0 0 12px rgba(255,107,61,.08); }
  50%     { box-shadow: 0 0 0 10px rgba(255,107,61,.10), 0 0 0 20px rgba(255,107,61,.04); }
}

/* ----- Code-y data accent (used in hero variant 1) ----- */
.ticker-row {
  display: inline-flex; gap: 26px; align-items: center;
  font-family: var(--font-mono);
  font-size: 13px;
  color: rgba(255,255,255,.78);
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}
.ticker-row .tk-bank { color: #fff; font-weight: 600; }
.ticker-row .tk-rate { color: var(--coral-400); font-weight: 600; }
.ticker-row .tk-delta { color: #6FE6A6; }
.ticker {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.ticker-track { display: flex; gap: 26px; animation: ticker 44s linear infinite; width: max-content; }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* responsive */
@media (max-width: 980px) {
  .section { padding: 72px 0; }
  .nav { display: none; }
  .rate-row { grid-template-columns: 1fr 1fr; gap: 12px; }
  .rate-row-header { display: none; }
  .dark-panel { padding: 40px 28px; }
}
@media (max-width: 640px) {
  .header-row { height: 64px; }
  .brand-mark img { height: 30px; }
  .h1 { font-size: 38px; }
  .h2 { font-size: 30px; }
  .floating-stack { right: 14px; bottom: 14px; }
}


/* ----- Mobile responsive enhancements ----- */
@media (max-width: 760px) {
  :root { --gutter: 20px; }
  .h1 { font-size: clamp(30px, 8.5vw, 44px); line-height: 1.1; letter-spacing: -0.02em; }
  .h2 { font-size: clamp(24px, 6.5vw, 34px); line-height: 1.15; }
  .h3 { font-size: 20px; line-height: 1.25; }
  .lede { font-size: 15px; line-height: 1.6; }
  .section { padding: 56px 0; }
  .container, .container-wide { padding: 0 var(--gutter); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .btn-lg { height: 50px; padding: 0 22px; font-size: 15px; }
}
@media (max-width: 480px) {
  :root { --gutter: 16px; }
  .h1 { font-size: clamp(26px, 7.8vw, 38px); }
  .footer-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Mobile drawer — auto-injected by scripts/fingertips.js
   Hidden on desktop, swap with hamburger below 880px.
   ============================================================ */

.ft-burger {
  display: none;
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--cream-50);
  border: 1px solid var(--cream-300);
  color: var(--ink-900);
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background .15s var(--ease);
}
.ft-burger:hover { background: var(--cream-100); border-color: var(--ink-300); }
.ft-burger:active { transform: scale(.96); }

.ft-drawer-wrap {
  position: fixed;
  inset: 0;
  z-index: 100;
  pointer-events: none;
}
.ft-drawer-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(11, 17, 36, 0);
  backdrop-filter: blur(0px);
  -webkit-backdrop-filter: blur(0px);
  transition: background .26s var(--ease), backdrop-filter .26s var(--ease);
}
.ft-drawer {
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: min(86vw, 360px);
  background: linear-gradient(180deg, #ffffff 0%, var(--cream-50) 100%);
  display: flex;
  flex-direction: column;
  box-shadow:
    -4px 0 12px rgba(15, 30, 71, 0.04),
    -16px 0 56px rgba(15, 30, 71, 0.18);
  transform: translateX(100%);
  transition: transform .32s cubic-bezier(.2,.7,.2,1);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.ft-drawer-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  border-bottom: 1px solid var(--cream-300);
  flex-shrink: 0;
}
.ft-drawer-head .brand-mark { gap: 0; }
.ft-drawer-head .brand-logo {
  width: 180px;
  height: 40px;
  background: linear-gradient(95deg, #4E78D8 0%, #3D5BB0 25%, #4A4080 50%, #8C5A4A 72%, #C26B3A 92%, #E08A4A 100%);
  -webkit-mask: url("/brand/fingertips-bilingual-transparent.png") no-repeat left center / contain;
          mask: url("/brand/fingertips-bilingual-transparent.png") no-repeat left center / contain;
}
.ft-drawer-close {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: transparent;
  border: 1px solid transparent;
  color: var(--ink-700);
  display: grid;
  place-items: center;
  cursor: pointer;
  transition: background .15s var(--ease), border-color .15s var(--ease);
}
.ft-drawer-close:hover { background: var(--cream-100); border-color: var(--cream-300); }

.ft-drawer-nav {
  display: flex;
  flex-direction: column;
  padding: 12px 14px;
  flex: 1;
  gap: 2px;
}
.ft-drawer-nav a {
  display: flex;
  align-items: center;
  padding: 14px 16px;
  border-radius: 12px;
  font-size: 16px;
  font-weight: 500;
  color: var(--ink-900);
  transition: background .15s var(--ease), color .15s var(--ease);
}
.ft-drawer-nav a:hover {
  background: var(--cream-100);
  color: var(--coral-700);
}
.ft-drawer-nav a.active {
  background: var(--coral-50);
  color: var(--coral-700);
  font-weight: 600;
}

.ft-drawer-foot {
  padding: 18px 22px 28px;
  border-top: 1px solid var(--cream-300);
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-shrink: 0;
}
.ft-drawer-foot .lang-switch {
  align-self: flex-start;
}

/* Open state */
body.ft-drawer-open .ft-drawer-wrap { pointer-events: auto; }
body.ft-drawer-open .ft-drawer-backdrop {
  background: rgba(11, 17, 36, 0.42);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
body.ft-drawer-open .ft-drawer { transform: translateX(0); }
body.ft-drawer-open { overflow: hidden; }

/* Below 880px: hide horizontal nav, show hamburger */
@media (max-width: 880px) {
  .header .nav { display: none !important; }
  /* Also hide the desktop CTA + lang switcher on header to avoid crowding */
  .header .header-row > div:not(.brand-mark):not(.ft-burger) { display: none !important; }
  .ft-burger { display: inline-flex; }
}

/* Above 880px: drawer is hidden even if forced open */
@media (min-width: 881px) {
  .ft-drawer-wrap { display: none; }
}

/* ============================================================
   Footer brand-logo override — base navy gradient blends into
   the dark blue footer. Use white → warm coral so it pops.
   ============================================================ */
.footer .brand-logo,
.footer .footer-brand-block .brand-logo,
.ft-drawer-foot .brand-logo {
  background: linear-gradient(95deg, #FFFFFF 0%, #FFE4D6 45%, #FF8A63 78%, #FF6B3D 100%);
}