/* KG Banks — editorial finance design system */

:root {
  --ink: #0E1726;
  --ink-2: #1B2538;
  --ink-3: #2C3A52;
  --muted: #6B7891;
  --line: #E4E2DA;
  --line-2: #D8D5CB;
  --paper: #F5F2E9;
  --paper-2: #EDE9DC;
  --white: #FFFFFF;

  --accent: #C8553D;
  --accent-2: #A23E2A;
  --gold: #B8894A;
  --teal: #1F5F5B;
  --emerald: #2C6E49;
  --amber: #D99E2E;
  --crimson: #B33A3A;

  --kr: #1F5F5B;
  --kr-bg: #E4EEEB;
  --foreign: #8B4513;
  --foreign-bg: #EFE6D9;

  --radius: 4px;
  --radius-lg: 8px;
  --shadow-soft: 0 16px 34px rgba(14, 23, 38, 0.045);
  --shadow-lift: 0 22px 48px rgba(14, 23, 38, 0.08);
  --focus-ring: rgba(200, 85, 61, 0.22);
  --flag-red: rgba(179, 58, 58, 0.08);

  --font-sans: 'Manrope', system-ui, sans-serif;
  --font-serif: 'Source Serif 4', Georgia, serif;
  --font-mono: 'JetBrains Mono', ui-monospace, monospace;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: linear-gradient(180deg, #f7f3ea 0%, #f2eee4 100%);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

.kg { font-family: var(--font-sans); color: var(--ink); }
.kg-serif { font-family: var(--font-serif); }
.kg-mono { font-family: var(--font-mono); }

/* ------------ Page base ------------ */
.page {
  background: transparent;
  color: var(--ink);
  font-family: var(--font-sans);
  max-width: 1440px;
  margin: 0 auto;
  position: relative;
  isolation: isolate;
}
.page-main {
  position: relative;
  isolation: isolate;
  outline: none;
}
.page-main > * {
  position: relative;
  z-index: 1;
}
.page-main::before,
.page-main::after {
  content: "";
  position: absolute;
  pointer-events: none;
  z-index: 0;
}
.page-main::before {
  top: 24px;
  left: 50%;
  width: min(118vw, 1640px);
  aspect-ratio: 5 / 3;
  opacity: 0.1;
  transform: translateX(-50%) rotate(-18deg);
  background: url("image.png") center / contain no-repeat;
  filter: saturate(0.78) contrast(0.96) brightness(0.98);
  -webkit-mask-image: radial-gradient(
    ellipse at center,
    rgba(0, 0, 0, 0.94) 0%,
    rgba(0, 0, 0, 0.86) 12%,
    rgba(0, 0, 0, 0.68) 24%,
    rgba(0, 0, 0, 0.4) 42%,
    rgba(0, 0, 0, 0.16) 62%,
    rgba(0, 0, 0, 0.05) 78%,
    rgba(0, 0, 0, 0.01) 90%,
    transparent 100%
  );
  mask-image: radial-gradient(
    ellipse at center,
    rgba(0, 0, 0, 0.94) 0%,
    rgba(0, 0, 0, 0.86) 12%,
    rgba(0, 0, 0, 0.68) 24%,
    rgba(0, 0, 0, 0.4) 42%,
    rgba(0, 0, 0, 0.16) 62%,
    rgba(0, 0, 0, 0.05) 78%,
    rgba(0, 0, 0, 0.01) 90%,
    transparent 100%
  );
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-size: 100% 100%;
  mask-size: 100% 100%;
}
.page-main::after {
  top: 30px;
  left: 50%;
  width: min(102vw, 1440px);
  height: 460px;
  opacity: 0.45;
  transform: translateX(-50%) rotate(-16deg);
  background:
    linear-gradient(180deg, rgba(179, 58, 58, 0.03), rgba(179, 58, 58, 0.003)),
    linear-gradient(90deg, rgba(179, 58, 58, 0.01), rgba(179, 58, 58, 0.04), rgba(179, 58, 58, 0.01));
  border-radius: 999px;
  filter: blur(14px);
}
.skip-link {
  position: absolute;
  left: 18px;
  top: 14px;
  padding: 10px 12px;
  border: 1px solid var(--ink);
  background: var(--ink);
  color: var(--paper);
  text-decoration: none;
  font-size: 12px;
  font-weight: 600;
  transform: translateY(-180%);
  transition: transform .2s ease;
  z-index: 30;
}
.skip-link:focus-visible {
  transform: translateY(0);
}

/* ------------ Header ------------ */
.kg-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 48px;
  border-bottom: 1px solid var(--line-2);
  background: var(--paper);
  position: relative;
}
.kg-header .logo {
  display: flex; align-items: baseline; gap: 8px;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.kg-header nav {
  display: flex; gap: 28px;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-2);
}
.kg-header nav a {
  color: inherit; text-decoration: none; cursor: pointer;
  padding: 4px 0;
  border-bottom: 1px solid transparent;
}
.kg-header nav a.active {
  border-bottom-color: var(--accent);
  color: var(--ink);
}
.kg-header nav a:hover { color: var(--ink); }
.kg-header .right {
  display: flex; align-items: center; gap: 16px;
  font-size: 13px;
  color: var(--muted);
}
.search-autocomplete {
  position: relative;
  width: 320px;
}
.kg-header .search {
  display: flex; align-items: center; gap: 8px;
  background: var(--white);
  border: 1px solid var(--line-2);
  padding: 7px 12px;
  width: 100%;
  font-size: 13px;
  color: var(--muted);
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
}
.kg-header .search:focus-within,
.kg-mobile-search:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--focus-ring);
}
.kg-header .search input,
.kg-mobile-search input {
  width: 100%;
  border: 0;
  background: transparent;
  color: var(--ink);
  font: inherit;
  outline: none;
  padding: 0;
}
.kg-header .search input::placeholder,
.kg-mobile-search input::placeholder {
  color: var(--muted);
}
.search-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  right: 0;
  z-index: 30;
  max-height: 420px;
  overflow-y: auto;
  border: 1px solid var(--line-2);
  background: var(--white);
  border-radius: 18px;
  box-shadow: var(--shadow-lift);
}
.search-group + .search-group {
  border-top: 1px solid var(--line);
}
.search-group__label {
  padding: 10px 14px 8px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  background: var(--paper);
}
.search-group__items {
  display: flex;
  flex-direction: column;
}
.search-result {
  width: 100%;
  border: 0;
  border-top: 1px solid var(--line);
  background: transparent;
  padding: 12px 14px;
  text-align: left;
  color: var(--ink);
  cursor: pointer;
  font: inherit;
}
.search-group__items .search-result:first-child {
  border-top: 0;
}
.search-result:hover,
.search-result.is-active {
  background: var(--paper-2);
}
.search-result:focus-visible {
  position: relative;
  z-index: 1;
  outline: none;
  background: #f4efe4;
  box-shadow: inset 0 0 0 2px rgba(200, 85, 61, 0.22);
}
.search-result__title {
  display: block;
  font-size: 14px;
  line-height: 1.45;
}
.search-empty {
  padding: 16px 14px;
  font-size: 13px;
  color: var(--muted);
}
.kg-burger {
  display: none;
  background: transparent; border: 1px solid var(--ink);
  width: 40px; height: 40px; padding: 0;
  flex-direction: column; align-items: center; justify-content: center;
  gap: 5px; cursor: pointer;
  border-radius: 50%;
}
.kg-burger span {
  display: block; width: 18px; height: 2px;
  background: var(--ink); transition: transform .2s, opacity .2s;
}
.kg-header.is-open .kg-burger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.kg-header.is-open .kg-burger span:nth-child(2) { opacity: 0; }
.kg-header.is-open .kg-burger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.kg-mobile-drawer { display: none; }
.kg-mobile-search {
  display: flex; align-items: center; gap: 8px;
  background: var(--white);
  border: 1px solid var(--line-2);
  padding: 10px 12px;
  font-size: 13px;
  color: var(--muted);
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
}
.search-autocomplete.is-mobile {
  width: 100%;
}
.search-autocomplete.is-mobile .search-dropdown {
  position: static;
  margin-top: 8px;
  box-shadow: none;
}
.kg-mobile-actions {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.kg-mobile-actions .btn { flex: 1 1 120px; }
.kg-mobile-meta {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 11px;
  color: var(--muted);
}

.back-to-top {
  display: none;
  position: fixed;
  right: 18px;
  bottom: calc(18px + env(safe-area-inset-bottom, 0px));
  z-index: 25;
  width: 48px;
  height: 48px;
  border: 1px solid rgba(245, 242, 233, 0.18);
  border-radius: 999px;
  background: var(--ink);
  color: var(--paper);
  font-family: var(--font-sans);
  font-size: 22px;
  line-height: 1;
  box-shadow: var(--shadow-lift);
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
  transition: opacity .18s cubic-bezier(0.16, 1, 0.3, 1), transform .18s cubic-bezier(0.16, 1, 0.3, 1), background .18s cubic-bezier(0.16, 1, 0.3, 1);
}
.back-to-top:hover {
  background: var(--ink-2);
}
.back-to-top.is-visible {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

/* ------------ Audience toggle ------------ */
.aud-toggle {
  display: inline-flex;
  background: var(--white);
  border: 1px solid var(--ink);
  padding: 3px;
  position: relative;
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
}
.aud-toggle button {
  background: transparent;
  border: 0;
  padding: 10px 20px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.02em;
  cursor: pointer;
  color: var(--ink-3);
  display: inline-flex; align-items: center; gap: 8px;
  border-radius: 999px;
  transition: color .15s, transform .15s ease, background .15s ease;
}
.aud-toggle button .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--line);
}
.aud-toggle button[data-active="true"] {
  background: var(--ink);
  color: var(--paper);
}
.aud-toggle button[data-active="true"][data-kind="kr"] .dot { background: #8BD4C5; }
.aud-toggle button[data-active="true"][data-kind="foreign"] .dot { background: #E8B475; }
.aud-toggle button[data-active="true"][data-kind="rf"] .dot { background: #F2B28A; }

/* ------------ Pills / tags ------------ */
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 4px 9px;
  background: var(--paper-2);
  color: var(--ink-2);
  border: 1px solid var(--line-2);
}
.pill.kr { background: var(--kr-bg); color: var(--kr); border-color: rgba(31,95,91,0.25); }
.pill.foreign { background: var(--foreign-bg); color: var(--foreign); border-color: rgba(139,69,19,0.25); }
.pill.warn { background: #F9E6DC; color: var(--accent-2); border-color: rgba(162,62,42,0.3); }
.pill.good { background: #E0EADC; color: #2C6E49; border-color: rgba(44,110,73,0.3); }
.pill.ink  { background: var(--ink); color: var(--paper); border-color: var(--ink); }

.tag {
  display: inline-flex; align-items: center;
  font-size: 12px;
  font-weight: 500;
  padding: 4px 9px;
  background: var(--white);
  color: var(--ink-2);
  border: 1px solid var(--line-2);
  border-radius: 2px;
}

.bank-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--white);
  border: 1px solid var(--line-2);
  overflow: hidden;
}
.bank-mark__image {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
}
.bank-mark--fallback {
  border: none;
  background: var(--ink);
}

/* ------------ Buttons ------------ */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.01em;
  padding: 11px 18px;
  border: 1px solid var(--ink);
  background: var(--ink);
  color: var(--paper);
  cursor: pointer;
  text-decoration: none;
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
  transition: background .18s cubic-bezier(0.16, 1, 0.3, 1), color .18s cubic-bezier(0.16, 1, 0.3, 1), border-color .18s cubic-bezier(0.16, 1, 0.3, 1), transform .18s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .18s cubic-bezier(0.16, 1, 0.3, 1);
}
.btn:hover { background: var(--ink-2); transform: translateY(-1px); box-shadow: var(--shadow-lift); }
.btn:active { transform: translateY(0); }
.btn.ghost { background: transparent; color: var(--ink); }
.btn.ghost:hover { background: var(--ink); color: var(--paper); }
.btn.accent { background: var(--accent); border-color: var(--accent); color: var(--white); }
.btn.accent:hover { background: var(--accent-2); border-color: var(--accent-2); }
.btn.sm { padding: 7px 12px; font-size: 12px; }
.btn.lg { padding: 14px 22px; font-size: 14px; }

/* ------------ Score ------------ */
.score { display: inline-flex; flex-direction: column; align-items: center; justify-content: center; }
.score .num {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 36px;
  line-height: 1;
  color: var(--ink);
}
.score .num small { font-size: 16px; color: var(--muted); font-weight: 400; }
.score .label {
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 4px;
}

/* ------------ Tables ------------ */
.kg-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.kg-table th {
  text-align: left;
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 14px 16px;
  border-bottom: 1px solid var(--line-2);
  background: var(--paper);
}
.kg-table td {
  padding: 16px;
  border-bottom: 1px solid var(--line);
  vertical-align: middle;
}

/* ------------ Section typography ------------ */
.section-kicker {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 10px;
  display: inline-flex; align-items: center; gap: 10px;
}
.section-kicker::before {
  content: ''; width: 24px; height: 1px; background: var(--accent);
}
.section-title {
  font-family: var(--font-serif);
  font-weight: 500;
  font-size: 38px;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 14px;
}
.section-lede {
  font-family: var(--font-serif);
  font-size: 18px;
  line-height: 1.45;
  color: var(--ink-3);
  max-width: 640px;
}

/* ------------ Bars ------------ */
.bar {
  position: relative; height: 6px; background: var(--line); overflow: hidden;
}
.bar > span { position: absolute; left: 0; top: 0; bottom: 0; background: var(--ink); }
.bar.kr > span { background: var(--kr); }
.bar.foreign > span { background: var(--foreign); }

/* ------------ Cards ------------ */
.card { background: var(--white); border: 1px solid var(--line-2); }

/* ------------ Utility ------------ */
.row { display: flex; }
.col { display: flex; flex-direction: column; }
.center { align-items: center; justify-content: center; }
.between { justify-content: space-between; }
.mono { font-family: var(--font-mono); }
.serif { font-family: var(--font-serif); }
.muted { color: var(--muted); }
.ink-3 { color: var(--ink-3); }
.upper {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 11px;
  font-weight: 600;
}
.hairline { height: 1px; background: var(--line-2); width: 100%; }
.rule {
  display: inline-block; width: 40px; height: 2px; background: var(--accent); margin-bottom: 16px;
}

/* =====================================================
   RESPONSIVE — class-based (no attribute selectors, no !important)
   Breakpoints: 980px (tablet), 720px (mobile), 380px (small phone)
   ===================================================== */

html, body { overflow-x: hidden; }
img, svg { max-width: 100%; height: auto; }

/* ----------- Section container ----------- */
.sec { padding: 64px; position: relative; }
.sec--md  { padding: 48px 64px; }
.sec--sm  { padding: 40px 64px 24px; }
.sec--dark { background: #1a0f0f; color: #F5E8E2; border-bottom: 1px solid rgba(245,242,233,0.1); }
.sec--ink  { background: var(--ink); color: var(--paper); }
.sec--paper-2 { background: var(--paper-2); border-bottom: 1px solid var(--line-2); }
.sec--bordered { border-bottom: 1px solid var(--line-2); }
.sec--compare { padding: 32px 64px; }

/* ----------- Layout grids ----------- */
.grid { display: grid; }
.grid-hero       { display: grid; grid-template-columns: 1.2fr 1fr;  gap: 56px; align-items: end; }
.grid-bank-hero  { display: grid; grid-template-columns: 1.3fr 1fr;  gap: 56px; }
.grid-12         { display: grid; grid-template-columns: 1fr 2fr;    gap: 48px; }
.grid-21         { display: grid; grid-template-columns: 2fr 1fr;    gap: 48px; }
.grid-11         { display: grid; grid-template-columns: 1fr 1fr;    gap: 32px; }
.grid-13         { display: grid; grid-template-columns: 1fr 3fr;    gap: 40px; }
.grid-sidebar    { display: grid; grid-template-columns: 280px 1fr;  gap: 48px; }
.grid-3          { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.grid-4          { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.grid-2x         { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }

/* ----------- Hero title ----------- */
.hero-h1 { font-family: var(--font-serif); font-size: 66px; line-height: 1.02; letter-spacing: -0.03em; font-weight: 500; margin: 16px 0 24px; max-width: 10.5ch; }
.hero-h1__line {
  display: inline-block;
  white-space: nowrap;
}
.hero-h1__accent-line {
  display: inline-block;
  color: var(--accent);
  white-space: nowrap;
}
.hero-sub { font-family: var(--font-serif); font-size: 19px; line-height: 1.5; color: var(--ink-3); max-width: 640px; margin: 0; }

/* ----------- Other titles ----------- */
.page-h1 { font-family: var(--font-serif); font-size: 52px; font-weight: 500; letter-spacing: -0.02em; line-height: 1; margin: 0 0 12px; }
.bank-h1 { font-family: var(--font-serif); font-size: 46px; font-weight: 500; letter-spacing: -0.02em; line-height: 1; margin: 0; }
.h2      { font-family: var(--font-serif); font-size: 44px; line-height: 1.05; letter-spacing: -0.02em; font-weight: 500; margin: 8px 0 0; }
.h2--40  { font-size: 40px; line-height: 1.05; letter-spacing: -0.02em; margin: 0; }
.h2--md  { font-size: 34px; line-height: 1.1; letter-spacing: -0.02em; margin: 8px 0 16px; }
.h2--sm  { font-size: 26px; line-height: 1.15; margin: 0; }

/* ----------- Chat source strip ----------- */
.chat-strip {
  padding: 10px 64px; background: var(--ink); color: rgba(245,242,233,0.75);
  font-size: 12px; font-family: var(--font-mono);
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px;
  border-bottom: 1px solid rgba(245,242,233,0.1);
}
.chat-strip__text {
  flex: 1;
}
.chat-strip__cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  padding: 7px 12px;
  border: 1px solid rgba(245,242,233,0.28);
  background: rgba(245,242,233,0.06);
  color: var(--paper);
  text-decoration: none;
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  white-space: nowrap;
  border-radius: 999px;
  transition: background .15s ease, border-color .15s ease, color .15s ease;
}
.chat-strip__cta:hover {
  background: rgba(245,242,233,0.14);
  border-color: rgba(245,242,233,0.45);
  color: var(--paper);
}
.chat-strip__link {
  color: var(--accent);
  text-decoration: none;
  border-bottom: 1px solid rgba(200,85,61,0.35);
}
.chat-strip__link:hover { color: #F0BA7A; border-color: rgba(240,186,122,0.65); }

/* ----------- Breadcrumbs ----------- */
.crumbs {
  padding: 18px 64px; border-bottom: 1px solid var(--line-2);
  font-size: 12px; color: var(--muted); font-family: var(--font-mono);
}
.crumbs a { color: inherit; text-decoration: none; }

/* ----------- Footer ----------- */
.kg-footer {
  padding: 32px 64px; border-top: 1px solid var(--line-2); background: var(--paper-2);
  display: flex; flex-direction: column; align-items: stretch; gap: 16px;
}
.kg-footer__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}
.kg-footer__meta {
  text-align: right;
}
.kg-footer__legal {
  width: 100%;
}
.kg-footer .ft-links {
  display: flex;
  gap: 20px;
  font-size: 12px;
  color: var(--muted);
  flex-wrap: wrap;
  justify-content: center;
}
.kg-footer .ft-links a { color: inherit; text-decoration: none; }
.kg-footer .ft-links a:hover { color: var(--ink); }

.site-disclaimer {
  border: 1px solid var(--line-2);
  border-left: 3px solid var(--accent);
  background: var(--white);
  border-radius: 16px;
  box-shadow: var(--shadow-soft);
  padding: 18px 20px;
}
.site-disclaimer.is-compact {
  padding: 14px 16px;
}
.site-disclaimer__body {
  display: block;
}
.site-disclaimer__eyebrow {
  color: var(--accent);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.site-disclaimer__text {
  font-size: 14px;
  line-height: 1.65;
  color: var(--ink-3);
}
.site-disclaimer__link {
  display: inline-flex;
  margin-top: 10px;
  color: var(--ink);
  text-decoration: none;
  font-size: 12px;
  font-weight: 600;
}
.site-disclaimer__link:hover {
  color: var(--accent);
}

.kg-footer .site-disclaimer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  border-left-width: 1px;
  border-top: 2px solid var(--accent);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.58);
  box-shadow: none;
  padding: 12px 14px;
}
.kg-footer .site-disclaimer__text {
  font-size: 12px;
  line-height: 1.6;
}
.kg-footer .site-disclaimer__link {
  margin-top: 0;
  flex-shrink: 0;
  white-space: nowrap;
}

/* ----------- Editorial / guides / methodology ----------- */
.guide-summary-card,
.signal-card,
.editorial-card,
.method-card {
  border: 1px solid var(--line-2);
  background: linear-gradient(180deg, rgba(255,255,255,0.98) 0%, #fbf8f1 100%);
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.guide-summary-card {
  padding: 24px;
  align-self: start;
}
.guide-summary-card__eyebrow {
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 14px;
}
.guide-summary-card__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}
.guide-summary-card__note {
  margin: 16px 0 0;
  font-size: 13px;
  line-height: 1.65;
  color: var(--ink-3);
}
.signal-card {
  padding: 20px;
}
.signal-card__label {
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 10px;
}
.signal-card__title {
  font-size: 22px;
  line-height: 1.1;
  margin-bottom: 10px;
}
.signal-card p {
  margin: 0;
  font-size: 13px;
  line-height: 1.6;
  color: var(--ink-3);
}
.editorial-stack {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.editorial-card {
  padding: 24px;
}
.editorial-card__head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 12px;
}
.editorial-card__kicker {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  padding: 5px 9px;
  border: 1px solid rgba(200, 85, 61, 0.18);
  border-radius: 999px;
  background: rgba(200, 85, 61, 0.07);
  color: var(--accent-2);
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  line-height: 1;
  text-transform: uppercase;
  flex-shrink: 0;
}
.editorial-card__title {
  margin: 0;
  flex: 1;
}
.editorial-card__lead,
.method-card__body {
  margin: 0;
  font-size: 14px;
  line-height: 1.72;
  color: var(--ink-3);
}
.editorial-list {
  margin: 16px 0 0;
  padding-left: 18px;
  display: grid;
  gap: 10px;
  color: var(--ink-2);
  font-size: 14px;
  line-height: 1.65;
}
.editorial-refs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 18px;
}
.editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.reviews-hero {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.review-spotlight {
  border: 1px solid var(--line-2);
  background:
    radial-gradient(circle at top left, rgba(200, 85, 61, 0.12), transparent 42%),
    linear-gradient(180deg, #f3eee3 0%, var(--white) 62%);
  padding: 28px;
  min-height: 320px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  border-radius: 24px;
  box-shadow: var(--shadow-lift);
}
.review-spotlight::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 4px;
  background: linear-gradient(180deg, var(--accent) 0%, rgba(200, 85, 61, 0.18) 100%);
}
.review-spotlight::after {
  content: "“";
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--font-serif);
  font-size: 110px;
  line-height: 1;
  color: rgba(200, 85, 61, 0.12);
  pointer-events: none;
}
.review-spotlight--animated {
  animation: reviewFadeIn .35s ease;
}
.review-spotlight__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.review-spotlight__name {
  font-size: 24px;
  font-weight: 500;
}
.review-spotlight__score-block {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 8px;
}
.review-tone-label {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 5px 9px;
  border: 1px solid var(--line-2);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
}
.review-tone-label.tone-good {
  background: #e6f1e8;
  border-color: rgba(44, 110, 73, 0.22);
  color: #2c6e49;
}
.review-tone-label.tone-warm {
  background: #f7efe1;
  border-color: rgba(184, 137, 74, 0.24);
  color: #8b5a2b;
}
.review-tone-label.tone-mixed {
  background: #f4efe6;
  border-color: rgba(107, 120, 145, 0.26);
  color: #5e687c;
}
.review-tone-label.tone-caution {
  background: #fae6df;
  border-color: rgba(179, 58, 58, 0.24);
  color: #a23e2a;
}
.review-tone-summary {
  max-width: 220px;
  font-size: 11px;
  line-height: 1.45;
  color: var(--ink-3);
  text-align: right;
}
.review-spotlight__score {
  font-family: var(--font-serif);
  font-size: 32px;
  line-height: 1;
  color: var(--accent);
  white-space: nowrap;
}
.review-spotlight__quote {
  font-family: var(--font-serif);
  font-size: 26px;
  line-height: 1.45;
  color: var(--ink);
  font-style: italic;
  letter-spacing: -0.01em;
  position: relative;
  padding-left: 28px;
  z-index: 1;
}
.review-spotlight__quote::before {
  content: "“";
  position: absolute;
  left: 0;
  top: -8px;
  font-size: 48px;
  line-height: 1;
  color: var(--accent);
  opacity: 0.6;
}
.review-spotlight__meta {
  margin-top: 18px;
  font-size: 12px;
  color: var(--muted);
}
.review-spotlight__controls {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-top: auto;
  padding-top: 24px;
  flex-wrap: wrap;
}
.review-spotlight__buttons {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.review-nav-btn {
  border: 1px solid var(--line-2);
  background: var(--white);
  color: var(--ink);
  padding: 10px 14px;
  font: inherit;
  font-size: 13px;
  cursor: pointer;
  border-radius: 999px;
  transition: background .15s ease, border-color .15s ease, transform .15s ease;
}
.review-nav-btn:hover {
  border-color: var(--accent);
  background: #fbf5ef;
  transform: translateY(-1px);
}
.review-dots {
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}
.review-dot {
  width: 10px;
  height: 10px;
  padding: 0;
  border-radius: 50%;
  border: 1px solid rgba(14, 23, 38, 0.22);
  background: transparent;
  cursor: pointer;
  transition: transform .15s ease, background .15s ease, border-color .15s ease;
}
.review-dot.is-active {
  background: var(--accent);
  border-color: var(--accent);
  transform: scale(1.15);
}
.review-signal-box {
  border: 1px solid var(--line-2);
  background: linear-gradient(180deg, var(--paper-2) 0%, #f8f4ea 100%);
  padding: 20px 22px;
  border-radius: 20px;
  box-shadow: var(--shadow-soft);
}
.review-signal-box__eyebrow {
  font-size: 11px;
  color: var(--muted);
  margin-bottom: 10px;
}
.review-signal-box__list {
  margin-top: 14px;
}
.reviews-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.bank-reviews-layout {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.bank-reviews-list-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  align-items: start;
}
.review-card {
  width: 100%;
  text-align: left;
  border: 1px solid var(--line-2);
  padding: 16px 18px;
  background: linear-gradient(180deg, var(--white) 0%, #fbfaf6 100%);
  cursor: pointer;
  border-radius: 18px;
  transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.review-card:hover {
  border-color: rgba(14, 23, 38, 0.32);
  box-shadow: 0 10px 24px rgba(14, 23, 38, 0.04);
}
.review-card.is-active {
  border-color: var(--accent);
  box-shadow: inset 3px 0 0 var(--accent);
  transform: translateX(-2px);
}
.bank-reviews-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}
.bank-reviews-header__meta {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.bank-reviews-more {
  align-self: flex-start;
}
@keyframes reviewFadeIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.method-card {
  padding: 22px;
}
.method-card__title {
  margin: 0 0 10px;
  font-family: var(--font-serif);
  font-size: 24px;
  line-height: 1.1;
  font-weight: 500;
}
.editorial-checklist {
  display: grid;
  gap: 10px;
}
.editorial-checklist > div {
  padding: 16px 18px;
  border: 1px solid rgba(245,242,233,0.12);
  color: rgba(245,242,233,0.82);
  line-height: 1.6;
}
.editorial-card--link,
.editorial-topic-card__link,
.editorial-bank-card,
.bank-related-links__item,
.editorial-toc__link {
  text-decoration: none;
}
.editorial-card--link {
  color: inherit;
  display: block;
  transition: transform .18s cubic-bezier(0.16, 1, 0.3, 1), border-color .18s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .18s cubic-bezier(0.16, 1, 0.3, 1);
}
.editorial-card--link:hover {
  transform: translateY(-2px);
  border-color: var(--ink);
  box-shadow: var(--shadow-soft);
}
.editorial-card__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 18px;
}
.editorial-topic-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.editorial-topic-card {
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.editorial-topic-card__header {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.editorial-topic-card__eyebrow {
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--accent);
}
.editorial-topic-card__title {
  margin: 0;
}
.editorial-topic-card__lead {
  margin: 0;
  font-size: 14px;
  line-height: 1.68;
  color: var(--ink-3);
}
.editorial-topic-card__refs,
.editorial-source-box__refs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.editorial-topic-card__links {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.editorial-topic-card__link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  color: var(--ink);
  border-top: 1px solid var(--line);
  padding-top: 10px;
  font-size: 14px;
  line-height: 1.45;
  transition: color .15s ease, transform .15s ease;
}
.editorial-topic-card__link:hover {
  color: var(--accent-2);
  transform: translateX(2px);
}
.scenario-entry-card {
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.scenario-entry-card__eyebrow {
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--accent);
}
.scenario-entry-card__title {
  margin: 0;
}
.scenario-entry-card__body {
  margin: 0;
  font-size: 14px;
  line-height: 1.68;
  color: var(--ink-3);
}
.scenario-entry-card__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: auto;
}
.editorial-pill-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.editorial-sidebar-card,
.editorial-answer-box,
.editorial-note,
.editorial-source-box,
.editorial-toc {
  border: 1px solid var(--line-2);
  background: var(--white);
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.editorial-sidebar-card {
  padding: 24px;
  align-self: start;
}
.editorial-sidebar-card__eyebrow,
.editorial-note__eyebrow,
.editorial-source-box__eyebrow,
.editorial-toc__eyebrow,
.bank-related-links__label,
.editorial-bank-card__meta {
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.editorial-sidebar-card__eyebrow,
.editorial-note__eyebrow,
.editorial-source-box__eyebrow,
.editorial-toc__eyebrow,
.bank-related-links__label {
  color: var(--accent);
}
.editorial-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: 24px;
}
.editorial-toc {
  padding: 18px;
  align-self: start;
  position: sticky;
  top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.editorial-toc__link {
  color: var(--ink-3);
  font-size: 13px;
  line-height: 1.5;
}
.editorial-body {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.editorial-answer-box {
  padding: 22px 24px;
  border-left: 3px solid var(--teal);
  background: #F2F7F6;
}
.editorial-answer-box__eyebrow {
  color: var(--teal);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.editorial-answer-box__title {
  margin: 10px 0 14px;
}
.editorial-section-block {
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 24px;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.editorial-section-block__title {
  margin-bottom: 14px;
}
.editorial-section-block__text,
.editorial-note p {
  margin: 0 0 14px;
  font-size: 15px;
  line-height: 1.72;
  color: var(--ink-3);
}
.editorial-section-block__text:last-child,
.editorial-note p:last-child {
  margin-bottom: 0;
}
.editorial-note,
.editorial-source-box {
  padding: 20px 22px;
}
.editorial-faq {
  display: grid;
  gap: 18px;
}
.editorial-faq__item {
  padding-top: 16px;
  border-top: 1px solid var(--line);
}
.editorial-faq__item:first-child {
  border-top: none;
  padding-top: 0;
}
.editorial-faq__question {
  margin: 0 0 10px;
  font-size: 18px;
  line-height: 1.35;
  font-weight: 600;
  color: var(--ink);
}
.editorial-note {
  border-left: 3px solid var(--accent);
}
.editorial-bank-card {
  display: block;
  border: 1px solid var(--line-2);
  background: linear-gradient(180deg, rgba(255,255,255,0.98) 0%, #fbf8f1 100%);
  padding: 20px;
  color: inherit;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
  transition: transform .18s cubic-bezier(0.16, 1, 0.3, 1), border-color .18s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .18s cubic-bezier(0.16, 1, 0.3, 1);
}
.editorial-bank-card:hover {
  transform: translateY(-2px);
  border-color: rgba(14, 23, 38, 0.22);
  box-shadow: var(--shadow-lift);
}
.editorial-bank-card__head {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-bottom: 12px;
}
.editorial-bank-card__title {
  font-size: 20px;
  font-weight: 500;
}
.editorial-bank-card__meta {
  color: var(--muted);
  margin-top: 4px;
}
.editorial-bank-card__lead {
  margin: 0 0 14px;
  font-size: 13px;
  line-height: 1.6;
  color: var(--ink-3);
}
.editorial-bank-card__scores {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.bank-related-links {
  margin-bottom: 14px;
  display: grid;
  gap: 8px;
}
.bank-related-links__items {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.bank-related-links__item {
  color: var(--ink);
  font-size: 12px;
  line-height: 1.4;
  padding: 5px 9px;
  border: 1px solid var(--line-2);
  background: var(--paper);
}
.bank-related-links.is-compact {
  margin-top: -2px;
}
.bank-related-links.is-compact .bank-related-links__item {
  font-size: 11px;
}

/* ----------- Rating list ----------- */
.rating-list {
  border: 1px solid var(--line-2);
  background: var(--white);
  border-radius: 22px;
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.rating-row {
  display: grid;
  grid-template-columns: 46px 2.3fr 110px 1.6fr 1fr 160px;
  padding: 20px 24px; border-bottom: 1px solid var(--line);
  align-items: center; gap: 16px;
}
.rating-row:last-child { border-bottom: none; }
.rating-row--head {
  padding: 14px 24px; background: var(--paper); border-bottom: 1px solid var(--line-2);
  font-size: 11px; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--muted); align-items: center;
}
.rl-bank { display: flex; align-items: center; gap: 14px; min-width: 0; }
.rl-actions { display: flex; gap: 6px; justify-content: flex-end; }

/* ----------- Bank detail criteria row ----------- */
.criteria-row {
  display: grid; grid-template-columns: 1.7fr 60px 1fr 50px; gap: 20px;
  align-items: center; padding: 14px 0; border-bottom: 1px solid var(--line);
}

/* ----------- Bank detail facts grid ----------- */
.facts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--line-2);
  border-radius: 22px;
  overflow: hidden;
  box-shadow: var(--shadow-soft);
}
.fact-cell {
  padding: 14px 20px; border-bottom: 1px solid var(--line);
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
  background: var(--white);
}
.fact-cell:nth-child(odd) { border-right: 1px solid var(--line); }
.fact-cell:nth-last-child(-n+2) { border-bottom: none; }

/* ----------- Bank detail RF topup guide ----------- */
.bank-topup-section__header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 18px;
}
.bank-topup-summary {
  border-left: 3px solid rgba(200,85,61,0.5);
  background: rgba(200,85,61,0.06);
  padding: 16px 18px;
  font-size: 15px;
  line-height: 1.65;
  color: var(--ink);
  margin-bottom: 18px;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.bank-topup-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.bank-topup-card {
  background: var(--white);
  border: 1px solid var(--line-2);
  padding: 18px;
  min-width: 0;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.bank-topup-card--accent {
  background: linear-gradient(180deg, rgba(200,85,61,0.08) 0%, rgba(255,255,255,1) 100%);
}
.bank-topup-card--wide {
  grid-column: 1 / -1;
}
.bank-topup-card__eyebrow {
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--accent-2);
  margin-bottom: 8px;
}
.bank-topup-card__title {
  margin: 0 0 10px;
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 500;
  color: var(--ink);
}
.bank-topup-card__text {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: var(--ink-3);
}
.bank-topup-list {
  margin: 0;
  padding-left: 18px;
  font-size: 14px;
  line-height: 1.65;
  color: var(--ink-3);
}
.bank-topup-list li + li {
  margin-top: 8px;
}

/* ----------- Compare ----------- */
.compare-grid {
  display: grid; grid-template-columns: 280px repeat(4, 1fr);
}
.compare-head {
  border-top: 2px solid var(--ink); border-bottom: 1px solid var(--line-2);
  background: var(--white); position: sticky; top: 0; z-index: 10;
}
.compare-row { border-bottom: 1px solid var(--line); }
.compare-row--alt { background: var(--paper); }

/* ----------- Catalog score block in card ----------- */
.score-block {
  display: grid; grid-template-columns: 1fr 1fr;
  border: 1px solid var(--line-2); margin-bottom: 14px;
}
.score-block > div { padding: 12px 14px; }
.score-block > div + div { border-left: 1px solid var(--line-2); }

/* ------------ Mobile-specific content blocks ------------ */
.mobile-metric {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 12px 14px;
  border: 1px solid var(--line-2);
  background: var(--white);
  min-width: 0;
  border-radius: 16px;
  box-shadow: var(--shadow-soft);
}
.mobile-metric.tone-kr { background: var(--kr-bg); color: var(--kr); border-color: rgba(31,95,91,0.25); }
.mobile-metric.tone-foreign { background: var(--foreign-bg); color: var(--foreign); border-color: rgba(139,69,19,0.25); }
.mobile-metric.tone-accent { background: rgba(200,85,61,0.08); color: var(--accent-2); border-color: rgba(162,62,42,0.2); }
.mobile-metric__label {
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
}
.mobile-metric__value {
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 500;
  line-height: 1.1;
}
.mobile-metric.is-compact {
  padding: 10px 12px;
  gap: 4px;
}
.mobile-metric.is-compact .mobile-metric__value { font-size: 16px; }

.hero-mobile-signals,
.hero-mobile-actions,
.rl-mobile-meta,
.catalog-mobile-toolbar,
.bank-mobile-overview,
.compare-mobile-view {
  display: none;
}

.catalog-sidebar-wrap { min-width: 0; }
.compare-desktop-view { display: block; }

.compare-mobile-intro {
  border: 1px solid var(--line-2);
  background: var(--paper-2);
  padding: 16px 18px;
  margin-bottom: 18px;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.compare-mobile-intro__meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 8px;
  font-size: 11px;
  color: var(--muted);
}
.compare-mobile-bank-strip {
  display: flex;
  gap: 12px;
  overflow-x: auto;
  padding-bottom: 4px;
  margin-bottom: 24px;
  scroll-snap-type: x proximity;
}
.compare-mobile-bank-card {
  min-width: 264px;
  border: 1px solid var(--line-2);
  background: var(--white);
  padding: 16px;
  scroll-snap-align: start;
  border-radius: 18px;
  box-shadow: var(--shadow-soft);
}
.compare-mobile-bank-card__scores {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
}
.compare-mobile-group {
  margin-bottom: 24px;
}
.compare-mobile-group__title {
  font-size: 11px;
  letter-spacing: 0.1em;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}
.compare-mobile-row {
  border: 1px solid var(--line-2);
  background: var(--white);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-soft);
}
.compare-mobile-row + .compare-mobile-row { margin-top: 10px; }
.compare-mobile-row__head {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
  font-size: 12px;
  font-weight: 600;
}
.compare-mobile-row__values {
  display: grid;
  gap: 8px;
  padding: 10px;
}
.compare-mobile-value {
  border: 1px solid var(--line-2);
  background: var(--paper);
  padding: 12px;
}
.compare-mobile-value.is-best {
  border-color: rgba(44,110,73,0.45);
  background: #EEF5F0;
}
.compare-mobile-value__bank {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 14px;
  font-weight: 600;
}
.compare-mobile-value__render {
  min-width: 0;
}

.catalog-filter-option {
  position: relative;
}
.catalog-filter-option__input {
  position: absolute;
  inset: 0 auto auto 0;
  width: 14px;
  height: 14px;
  margin: 0;
  opacity: 0;
}
.catalog-filter-option__input:focus-visible + span {
  outline: none;
  box-shadow: 0 0 0 3px var(--focus-ring);
  border-color: var(--accent) !important;
}
.catalog-sidebar {
  border: 1px solid var(--line-2);
  background: linear-gradient(180deg, rgba(255,255,255,0.98) 0%, #fbf8f1 100%);
  padding: 20px;
  border-radius: 20px;
  box-shadow: var(--shadow-soft);
}
.catalog-filter-trigger {
  border-radius: 18px;
  background: linear-gradient(180deg, rgba(255,255,255,0.98) 0%, #fbf8f1 100%);
  box-shadow: var(--shadow-soft);
  transition: background .18s cubic-bezier(0.16, 1, 0.3, 1), color .18s cubic-bezier(0.16, 1, 0.3, 1), border-color .18s cubic-bezier(0.16, 1, 0.3, 1), transform .18s cubic-bezier(0.16, 1, 0.3, 1), box-shadow .18s cubic-bezier(0.16, 1, 0.3, 1);
}
.catalog-filter-trigger:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-lift);
}
.catalog-reset-btn {
  border: 0;
  background: transparent;
  padding: 6px 0;
  font-size: 11px;
  color: var(--accent);
  cursor: pointer;
}
.tag-action,
.compare-preset-btn {
  appearance: none;
  font: inherit;
}
.tag-action {
  border: 0;
  background: transparent;
  color: inherit;
  cursor: pointer;
  padding: 0;
  opacity: 0.72;
  line-height: 1;
}
.compare-preset-btn {
  cursor: pointer;
  transition: border-color .15s ease, background .15s ease, color .15s ease, transform .15s ease;
}
.compare-preset-btn:hover {
  border-color: var(--ink);
  transform: translateY(-1px);
}
.compare-preset-btn[aria-pressed="true"] {
  border-color: var(--ink);
  background: var(--ink);
  color: var(--paper);
}

.kg-header nav a:focus-visible,
.kg-header .logo:focus-visible,
.chat-strip__cta:focus-visible,
.crumbs a:focus-visible,
.kg-footer .ft-links a:focus-visible,
.editorial-toc__link:focus-visible,
.aud-toggle button:focus-visible,
.btn:focus-visible,
.review-nav-btn:focus-visible,
.review-dot:focus-visible,
.review-card:focus-visible,
.kg-burger:focus-visible,
.back-to-top:focus-visible,
.catalog-filter-trigger:focus-visible,
.catalog-reset-btn:focus-visible,
.compare-preset-btn:focus-visible,
.tag-action:focus-visible {
  outline: none;
  box-shadow: 0 0 0 3px var(--focus-ring);
}
.kg-header nav a:focus-visible,
.chat-strip__cta:focus-visible,
.crumbs a:focus-visible,
.kg-footer .ft-links a:focus-visible,
.editorial-toc__link:focus-visible {
  border-radius: 999px;
  color: var(--ink);
}
.aud-toggle button:focus-visible,
.btn:focus-visible,
.review-nav-btn:focus-visible,
.kg-burger:focus-visible,
.back-to-top:focus-visible,
.catalog-filter-trigger:focus-visible,
.compare-preset-btn:focus-visible {
  border-color: var(--accent);
}

[id^="topic-"],
.editorial-section-block[id] {
  scroll-margin-top: 112px;
}

/* =====================================================
   TABLET — <= 980px
   ===================================================== */
@media (max-width: 980px) {
  .sec { padding: 48px 32px; }
  .sec--md { padding: 40px 32px; }
  .sec--sm { padding: 32px 32px 20px; }
  .sec--compare { padding: 24px 0; overflow-x: auto; }

  .chat-strip { padding: 10px 20px; }
  .crumbs { padding: 16px 20px; }
  .kg-footer { padding: 28px 20px; }

  .kg-header { padding: 14px 20px; }
  .skip-link { left: 20px; }
  .kg-header nav { gap: 18px; font-size: 13px; }
  .search-autocomplete {
    width: 260px;
  }

  .grid-sidebar { grid-template-columns: 1fr; gap: 28px; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .editorial-grid { grid-template-columns: 1fr 1fr; }
  .editorial-topic-list { grid-template-columns: 1fr 1fr; }
  .editorial-layout { grid-template-columns: 1fr; }
  .editorial-toc { position: static; }
  .review-spotlight { min-height: auto; }
  .review-spotlight__quote { font-size: 22px; }
  .review-spotlight::after { font-size: 88px; top: 20px; right: 18px; }

  .hero-h1 { font-size: 52px; max-width: 10.5ch; }
  .page-h1 { font-size: 42px; }
  .bank-h1 { font-size: 38px; }
  .h2 { font-size: 36px; }
  .h2--40 { font-size: 34px; }
  .h2--md { font-size: 28px; }
  .h2--sm { font-size: 22px; }

  /* Rating list — drop tags + mentions */
  .rating-row,
  .rating-row--head {
    grid-template-columns: 40px 1.8fr 90px 140px;
    gap: 12px; padding: 16px 18px;
  }
  .rl-tags, .rl-mentions,
  .rl-tags-h, .rl-mentions-h { display: none; }

  /* Compare — horizontal scroll */
  .compare-grid { min-width: 920px; }
  .compare-head { position: static; }
}

/* =====================================================
   MOBILE — <= 720px
   ===================================================== */
@media (max-width: 720px) {
  .sec { padding: 32px 18px; }
  .sec--md { padding: 28px 18px; }
  .sec--sm { padding: 24px 18px 16px; }
  .sec--compare { padding: 18px 0; overflow-x: auto; }
  .sec--dark { padding: 28px 18px; }

  .chat-strip {
    padding: 10px 18px;
    flex-direction: column; gap: 10px; align-items: flex-start;
    font-size: 10px;
  }
  .page-main::before {
    top: 120px;
    left: 50%;
    width: min(180vw, 1120px);
  }
  .page-main::after {
    top: 112px;
    left: 50%;
    width: min(158vw, 1020px);
    height: 300px;
  }
  .chat-strip__cta {
    align-self: flex-start;
  }
  .crumbs { padding: 14px 18px; }

  /* Header: hamburger drawer */
  .kg-header { padding: 12px 18px; flex-wrap: wrap; }
  .kg-header .logo { font-size: 18px; }
  .kg-header nav,
  .kg-header .right { display: none; }
  .kg-burger { display: inline-flex; }

  .kg-header.is-open nav {
    display: flex; flex-direction: column; gap: 0;
    width: 100%; order: 3;
    margin-top: 14px; padding-top: 14px;
    border-top: 1px solid var(--line-2);
  }
  .kg-header.is-open nav a {
    padding: 12px 4px; font-size: 15px;
    border-bottom: 1px solid var(--line);
  }
  .kg-header.is-open nav a:last-child { border-bottom: none; }
  .kg-header.is-open .kg-mobile-drawer {
    display: flex;
    flex-direction: column;
    gap: 12px;
    width: 100%;
    order: 4;
    padding-top: 12px;
  }
  .kg-header.is-open .right {
    display: flex; order: 5; width: 100%;
    justify-content: flex-end; padding-top: 10px;
  }

  .back-to-top {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  /* Footer */
  .kg-footer {
    gap: 14px;
    padding: 22px 18px; text-align: center;
  }
  .kg-footer__top,
  .kg-footer__legal {
    width: 100%;
    max-width: none;
  }
  .kg-footer__top {
    flex-direction: column;
    justify-content: center;
    gap: 8px;
  }
  .kg-footer__meta {
    text-align: center;
  }
  .kg-footer .ft-links {
    flex-direction: column; gap: 8px; align-items: center;
    width: 100%;
    justify-content: center;
  }
  .kg-footer .site-disclaimer {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }
  .kg-footer .site-disclaimer__link {
    white-space: normal;
  }
  .guide-summary-card,
  .signal-card,
  .editorial-card,
  .method-card { padding: 18px; }
  .guide-summary-card__grid,
  .editorial-grid,
  .editorial-topic-list { grid-template-columns: 1fr; }
  .editorial-card__head {
    flex-direction: column;
    gap: 8px;
  }
  .review-spotlight { padding: 20px; }
  .review-spotlight__name { font-size: 20px; }
  .review-spotlight__score-block { align-items: flex-start; }
  .review-tone-summary { max-width: none; text-align: left; }
  .review-spotlight__score { font-size: 24px; }
  .review-spotlight__quote { font-size: 19px; line-height: 1.55; }
  .review-spotlight__quote::before { font-size: 38px; top: -4px; }
  .review-spotlight::after { font-size: 68px; top: 14px; right: 14px; }
  .review-spotlight__controls { padding-top: 18px; }
  .review-nav-btn,
  .review-card { padding-left: 14px; padding-right: 14px; }
  .editorial-layout { grid-template-columns: 1fr; gap: 18px; }
  .editorial-sidebar-card,
  .editorial-answer-box,
  .editorial-section-block,
  .editorial-topic-card,
  .scenario-entry-card,
  .editorial-note,
  .editorial-source-box,
  .editorial-toc { padding: 18px; }
  .editorial-bank-card { padding: 18px; }

  /* All layout grids → single column */
  .grid-hero,
  .grid-bank-hero,
  .grid-12,
  .grid-21,
  .grid-11,
  .grid-13,
  .grid-sidebar,
  .grid-3,
  .grid-2x {
    grid-template-columns: 1fr; gap: 24px;
  }
  .grid-11 { gap: 16px; }
  /* Stats on bank detail — keep 2×2 */
  .grid-4 { grid-template-columns: 1fr 1fr; }

  /* Titles scale down */
  .hero-h1 { font-size: 34px; line-height: 1.08; max-width: none; }
  .hero-h1 br { display: none; }
  .hero-sub { font-size: 15px; }
  .hero-mobile-signals {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;
    margin-top: 18px;
  }
  .hero-mobile-signals .mobile-metric:last-child { grid-column: 1 / -1; }
  .hero-mobile-actions {
    display: flex;
    gap: 8px;
    margin-top: 14px;
  }
  .hero-mobile-actions .btn { flex: 1; }
  .hero-toggle-hint { display: none; }
  .hero-top3 { padding: 18px; }
  .hero-top3__item { align-items: flex-start !important; }
  .page-h1 { font-size: 30px; }
  .bank-h1 { font-size: 26px; }
  .h2 { font-size: 26px; }
  .h2--40 { font-size: 24px; }
  .h2--md { font-size: 22px; margin: 6px 0 12px; }
  .h2--sm { font-size: 19px; }

  /* Buttons / aud toggle a bit smaller */
  .btn { padding: 10px 14px; font-size: 12px; }
  .btn.sm { padding: 7px 11px; font-size: 11px; }
  .aud-toggle button { padding: 9px 12px; font-size: 12px; }

  /* Rating list: stack each row as card with wrap */
  .rating-row--head { display: none; }
  .rating-row {
    display: flex; flex-wrap: wrap; align-items: center;
    gap: 10px; padding: 14px 14px;
  }
  .rating-row > .rl-rank { width: 36px; }
  .rating-row > .rl-bank { flex: 1 1 180px; min-width: 0; }
  .rl-mobile-meta {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;
    flex: 1 1 100%;
  }
  .rating-row > .rl-score-aud { display: none; }
  .rating-row > .rl-tags,
  .rating-row > .rl-mentions { display: none; }
  .rating-row > .rl-actions {
    flex: 1 1 100%; justify-content: flex-start;
    gap: 8px; margin-top: 4px;
  }
  .rating-row > .rl-actions .btn { flex: 1; }

  /* Catalog: mobile filter panel */
  .catalog-mobile-toolbar {
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
  .catalog-filter-trigger {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--ink);
    background: var(--white);
    color: var(--ink);
    cursor: pointer;
  }
  .catalog-filter-trigger.is-open {
    background: var(--ink);
    color: var(--paper);
  }
  .catalog-mobile-toolbar__summary {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    font-size: 12px;
    color: var(--muted);
  }
  .catalog-mobile-toolbar__summary strong {
    color: var(--ink);
    font-family: var(--font-serif);
    font-size: 22px;
    font-weight: 500;
    line-height: 1;
  }
  .catalog-sidebar {
    display: none;
    border: 1px solid var(--line-2);
    background: var(--white);
    padding: 16px;
  }
  .catalog-sidebar.is-open { display: block; }
  .catalog-active-filters { margin-top: 4px; }
  .catalog-card { padding: 18px !important; }
  .catalog-empty { padding: 28px 18px !important; }

  /* Bank detail: criteria row 2-row layout */
  .bank-mobile-overview {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 8px;
    margin: 0 0 18px;
  }
  .bank-stat-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    overflow: visible;
    gap: 0;
    border: 1px solid var(--line-2);
  }
  .bank-stat-grid > div {
    min-width: 0;
    border-right: 0 !important;
    border-bottom: 1px solid var(--line-2);
    padding: 14px 16px !important;
  }
  .bank-stat-grid > div:nth-child(odd) { border-right: 1px solid var(--line-2) !important; }
  .bank-stat-grid > div:nth-last-child(-n+2) { border-bottom: 0; }
  .bank-score-panel { padding: 20px !important; }
  .bank-cta-row {
    display: grid !important;
    grid-template-columns: 1fr;
    gap: 10px !important;
    width: 100%;
  }
  .bank-cta-row .btn {
    width: 100%;
    min-width: 0;
    min-height: 48px;
    justify-content: center;
    white-space: normal;
    text-align: center;
  }
  .bank-nonres-note { padding: 18px !important; }
  .criteria-row {
    grid-template-columns: 1fr auto;
    grid-template-rows: auto auto;
    gap: 4px 14px; padding: 12px 0;
  }
  .criteria-row .cr-bar { grid-column: 1 / -1; }
  .criteria-row .cr-grade { display: none; }

  /* Facts grid: 1 column */
  .facts-grid { grid-template-columns: 1fr; }
  .fact-cell { border-right: none !important; }
  .fact-cell:nth-last-child(-n+2) { border-bottom: 1px solid var(--line); }
  .fact-cell:last-child { border-bottom: none; }
  .bank-topup-grid { grid-template-columns: 1fr; }
  .bank-topup-card--wide { grid-column: auto; }
  .bank-topup-card,
  .bank-topup-summary { padding: 16px; }
  .bank-reviews-list-grid { grid-template-columns: 1fr; }

  /* Catalog score block stays 2-col (already is) */

  /* Compare: horizontal scroll, reduced first column */
  .compare-grid {
    grid-template-columns: 160px repeat(4, 150px);
    min-width: 760px;
  }
  .compare-desktop-view { display: none; }
  .compare-mobile-view { display: block; }
}
@media (prefers-reduced-motion: reduce) {
  .review-spotlight--animated,
  .review-nav-btn,
  .review-dot,
  .review-card,
  .back-to-top {
    animation: none;
    transition: none;
  }
}

/* =====================================================
   SMALL PHONES — <= 380px
   ===================================================== */
@media (max-width: 380px) {
  .sec { padding: 24px 14px; }
  .sec--sm { padding: 20px 14px 14px; }
  .hero-h1 { font-size: 28px; }
  .page-h1 { font-size: 26px; }
  .bank-h1 { font-size: 22px; }
  .aud-toggle { display: flex; width: 100%; flex-wrap: wrap; }
  .aud-toggle button { flex: 1; justify-content: center; }
  .hero-mobile-signals,
  .bank-mobile-overview,
  .compare-mobile-bank-card__scores,
  .rl-mobile-meta {
    grid-template-columns: 1fr;
  }
  .hero-mobile-actions { flex-direction: column; }
  .bank-cta-row .btn { flex-basis: 100%; }
  .rating-row { padding: 12px 12px; }
}