/* MoneyMate UK — Main Stylesheet */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1a3a6b;
  --navy-dark: #122a52;
  --navy-light: #2a4f8f;
  --accent: #7eb8f7;
  --accent-dark: #4a9de8;
  --bg: #f0f4fa;
  --bg-white: #ffffff;
  --text: #1a1a2e;
  --text-muted: #555c6e;
  --text-light: #888fa0;
  --border: #dde3ef;
  --card-radius: 10px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg-white);
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-light); }

img { max-width: 100%; display: block; }

/* ── Typography ── */
h1 { font-size: 2rem; font-weight: 600; line-height: 1.25; }
h2 { font-size: 1.5rem; font-weight: 600; line-height: 1.3; }
h3 { font-size: 1.15rem; font-weight: 600; line-height: 1.4; }
h4 { font-size: 1rem; font-weight: 600; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* ── Layout ── */
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

/* ── Header ── */
.site-header {
  background: var(--navy);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.site-logo {
  font-size: 1.25rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.3px;
}

.site-logo span { color: var(--accent); }

.site-nav { display: flex; gap: 28px; align-items: center; }

.site-nav a {
  color: rgba(255,255,255,0.8);
  font-size: 0.875rem;
  font-weight: 500;
  transition: color 0.2s;
}

.site-nav a:hover { color: #fff; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  color: #fff;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  margin: 5px 0;
  transition: 0.3s;
}

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 72px 0 64px;
  color: #fff;
}

.hero__eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}

.hero__title {
  font-size: 2.5rem;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
  max-width: 600px;
}

.hero__subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  max-width: 520px;
  margin-bottom: 32px;
  line-height: 1.6;
}

.btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}

.btn--primary {
  background: var(--accent);
  color: var(--navy-dark);
}

.btn--primary:hover {
  background: #a0ccf9;
  color: var(--navy-dark);
}

.btn--outline {
  border: 2px solid rgba(255,255,255,0.4);
  color: #fff;
  margin-left: 12px;
}

.btn--outline:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.1);
  color: #fff;
}

/* ── Category pills ── */
.categories {
  padding: 28px 0;
  background: var(--bg-white);
  border-bottom: 1px solid var(--border);
}

.categories__list {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  list-style: none;
}

.categories__list a {
  display: inline-block;
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 0.825rem;
  font-weight: 500;
  border: 1px solid var(--border);
  color: var(--text-muted);
  background: var(--bg-white);
  transition: all 0.2s;
}

.categories__list a:hover,
.categories__list a.active {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

/* ── Section ── */
.section { padding: 56px 0; }
.section--grey { background: var(--bg); }
.section__title { margin-bottom: 8px; color: var(--navy); }
.section__subtitle { color: var(--text-muted); margin-bottom: 32px; font-size: 0.95rem; }

/* ── Cards ── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--card-radius);
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}

.card:hover {
  box-shadow: 0 6px 20px rgba(26,58,107,0.1);
  transform: translateY(-2px);
}

.card__body { padding: 20px; }

.card__category {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-dark);
  margin-bottom: 8px;
}

.card__title {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.4;
}

.card__title a { color: inherit; }
.card__title a:hover { color: var(--navy-light); }

.card__excerpt {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 16px;
}

.card__meta {
  font-size: 0.8rem;
  color: var(--text-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.card__meta::before {
  content: '';
  display: block;
  width: 20px;
  height: 1px;
  background: var(--border);
}

/* ── Featured card ── */
.card--featured {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.card--featured .card__body {
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.card--featured .card__title { font-size: 1.4rem; }

.card__image {
  background: var(--bg);
  min-height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.card__image--placeholder {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: rgba(255,255,255,0.15);
  font-size: 4rem;
  font-weight: 700;
}

/* ── Topic blocks ── */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 16px;
}

.topic-block {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--card-radius);
  padding: 20px;
  text-align: center;
  transition: all 0.2s;
  cursor: pointer;
  text-decoration: none;
  display: block;
}

.topic-block:hover {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}

.topic-block:hover .topic-block__title { color: #fff; }
.topic-block:hover .topic-block__desc { color: rgba(255,255,255,0.7); }

.topic-block__icon {
  width: 28px;
  height: 28px;
  margin: 0 auto 10px;
  color: var(--navy);
}

.topic-block:hover .topic-block__icon {
  color: #fff;
}

.topic-block__title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 4px;
}

.topic-block__desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* ── Info bar ── */
.info-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.85);
  padding: 14px 0;
  font-size: 0.82rem;
  text-align: center;
}

.info-bar a { color: var(--accent); }

/* ── Article ── */
.article-header {
  background: var(--navy);
  padding: 48px 0 40px;
  color: #fff;
}

.article-header__category {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 12px;
}

.article-header__title {
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 16px;
  max-width: 680px;
}

.article-header__meta {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
}

.article-body {
  padding: 48px 0;
}

.article-body h2 {
  color: var(--navy);
  margin: 2rem 0 0.75rem;
  font-size: 1.35rem;
}

.article-body h3 {
  color: var(--navy);
  margin: 1.5rem 0 0.5rem;
}

.article-body p { margin-bottom: 1.1rem; color: var(--text); }

.article-body ul, .article-body ol {
  margin: 0 0 1.1rem 1.5rem;
}

.article-body li { margin-bottom: 0.4rem; }

.article-body blockquote {
  border-left: 4px solid var(--accent-dark);
  padding: 12px 20px;
  margin: 1.5rem 0;
  background: var(--bg);
  border-radius: 0 6px 6px 0;
  color: var(--text-muted);
  font-style: italic;
}

.article-disclaimer {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--card-radius);
  padding: 16px 20px;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin: 2rem 0;
  line-height: 1.6;
}

.article-disclaimer strong { color: var(--text); }



/* ── Card images ── */
.card__image {
  background: var(--navy);
  overflow: hidden;
  display: block;
}

.card__image--sm {
  height: 120px;
}

.card--featured .card__image {
  min-height: 220px;
}

/* ── Blog index ── */
.blog-header {
  background: var(--navy);
  padding: 48px 0;
  color: #fff;
}

.blog-header__title { color: #fff; margin-bottom: 8px; }
.blog-header__sub { color: rgba(255,255,255,0.7); font-size: 0.95rem; }

/* ── Page header ── */
.page-header {
  background: var(--navy);
  padding: 48px 0;
  color: #fff;
}

.page-header__title { color: #fff; margin-bottom: 8px; }
.page-header__sub { color: rgba(255,255,255,0.7); font-size: 0.95rem; }

/* ── About ── */
.about-intro {
  font-size: 1.1rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 2rem;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
  margin: 2rem 0;
}

.value-item {
  background: var(--bg);
  border-radius: var(--card-radius);
  padding: 24px;
}

.value-item__icon { font-size: 1.5rem; margin-bottom: 10px; }
.value-item__title { font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.value-item__desc { font-size: 0.875rem; color: var(--text-muted); }

/* ── Contact form ── */
.contact-form { max-width: 560px; }

.form-group { margin-bottom: 20px; }

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 6px;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 0.9rem;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg-white);
  transition: border-color 0.2s;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
}

.form-group textarea { min-height: 140px; resize: vertical; }

.btn--navy {
  background: var(--navy);
  color: #fff;
  border: none;
  padding: 12px 28px;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  transition: background 0.2s;
}

.btn--navy:hover { background: var(--navy-light); }

/* ── Footer ── */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 48px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand { }

.footer-brand__name {
  font-size: 1.1rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
}

.footer-brand__name span { color: var(--accent); }

.footer-brand__desc {
  font-size: 0.85rem;
  line-height: 1.6;
  max-width: 260px;
}

.footer-col__title {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #fff;
  margin-bottom: 14px;
}

.footer-col ul { list-style: none; }

.footer-col ul li { margin-bottom: 8px; }

.footer-col ul a {
  color: rgba(255,255,255,0.65);
  font-size: 0.875rem;
  transition: color 0.2s;
}

.footer-col ul a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
}

.footer-bottom a { color: rgba(255,255,255,0.65); }
.footer-bottom a:hover { color: #fff; }

/* ── Cookie banner ── */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy-dark);
  color: rgba(255,255,255,0.85);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  z-index: 999;
  font-size: 0.85rem;
  box-shadow: 0 -2px 12px rgba(0,0,0,0.2);
}

.cookie-banner a { color: var(--accent); }

.cookie-banner__actions { display: flex; gap: 10px; flex-shrink: 0; }

.cookie-btn {
  padding: 8px 18px;
  border-radius: 5px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: 0.2s;
}

.cookie-btn--accept { background: var(--accent); color: var(--navy-dark); }
.cookie-btn--accept:hover { background: #a0ccf9; }
.cookie-btn--decline { background: transparent; color: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.3); }
.cookie-btn--decline:hover { color: #fff; border-color: #fff; }

/* ── Breadcrumb ── */
.breadcrumb {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
}

.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { margin: 0 6px; }

/* ── Utility ── */
.text-center { text-align: center; }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mb-0 { margin-bottom: 0; }

/* ── Responsive ── */
@media (max-width: 768px) {
  h1 { font-size: 1.6rem; }
  .hero__title { font-size: 1.8rem; }
  .hero { padding: 48px 0 40px; }

  .site-nav { display: none; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--navy-dark); padding: 16px 24px; gap: 16px; }
  .site-nav.open { display: flex; }
  .nav-toggle { display: block; }

  .card--featured { grid-template-columns: 1fr; }
  .card--featured .card__image { min-height: 160px; }

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }

  .cookie-banner { flex-direction: column; align-items: flex-start; }

  .article-header__title { font-size: 1.5rem; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .topics-grid { grid-template-columns: 1fr 1fr; }
}