/* ===========================================================
   Nandhan Fincorp — shared stylesheet for Guides & Articles
   Reuses the brand tokens from index.html
   =========================================================== */
:root {
  --navy: #0f2a43;
  --navy-2: #16395a;
  --gold: #c8a24a;
  --gold-2: #b7913c;
  --ink: #1c2733;
  --muted: #5a6b7b;
  --line: #e6ebf0;
  --bg: #ffffff;
  --bg-soft: #f6f8fa;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 42, 67, 0.08);
  --maxw: 1120px;
  --readw: 760px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--gold-2); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Header (matches homepage) ---------- */
header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(10px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; color: var(--navy); font-size: 20px; }
.brand .mark {
  width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: var(--gold);
  font-weight: 800; font-size: 18px; letter-spacing: -1px;
}
.nav-links { display: flex; gap: 30px; align-items: center; }
.nav-links a { color: var(--muted); font-weight: 600; font-size: 15px; }
.nav-links a:hover { color: var(--navy); text-decoration: none; }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-phone { font-weight: 700; color: var(--navy); font-size: 15px; }
.btn {
  display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 15px;
  padding: 13px 24px; border-radius: 999px; cursor: pointer; border: 1.5px solid transparent;
  transition: transform .15s ease, background .15s ease;
}
.btn-primary { background: var(--gold); color: #1a1300; box-shadow: 0 8px 20px rgba(200,162,74,.35); }
.btn-primary:hover { transform: translateY(-2px); background: var(--gold-2); text-decoration: none; }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { transform: translateY(-2px); background: var(--navy-2); text-decoration: none; }

/* ---------- Page hero ---------- */
.page-hero {
  background:
    radial-gradient(1000px 460px at 80% -10%, rgba(200,162,74,.16), transparent 60%),
    linear-gradient(180deg, var(--navy), var(--navy-2));
  color: #fff; padding: 60px 0 66px;
}
.page-hero .eyebrow {
  display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.page-hero h1 { color: #fff; font-size: clamp(28px, 4.5vw, 44px); font-weight: 800; letter-spacing: -0.02em; max-width: 820px; line-height: 1.18; }
.page-hero p { color: #d7e0ea; font-size: 18px; margin-top: 16px; max-width: 680px; }
.crumbs { font-size: 13.5px; color: #9fb1c2; margin-bottom: 18px; }
.crumbs a { color: #cdd9e4; }
.meta-line { color: #9fb1c2; font-size: 13.5px; margin-top: 18px; }

/* ---------- Article body ---------- */
.article { padding: 56px 0 24px; }
.article .wrap { max-width: var(--readw); }
.article h2 { font-size: clamp(22px, 3vw, 28px); color: var(--navy); font-weight: 800; margin: 40px 0 14px; letter-spacing: -0.02em; }
.article h3 { font-size: 19px; color: var(--navy); font-weight: 700; margin: 26px 0 10px; }
.article p { color: var(--ink); font-size: 17px; margin-bottom: 16px; }
.article ul, .article ol { margin: 0 0 18px 0; padding-left: 22px; }
.article li { font-size: 17px; margin-bottom: 9px; }
.article strong { color: var(--navy); }
.lead { font-size: 19px !important; color: var(--muted) !important; }

/* Table */
.table-wrap { overflow-x: auto; margin: 22px 0; }
table { border-collapse: collapse; width: 100%; font-size: 15.5px; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--bg-soft); color: var(--navy); font-weight: 700; }
tr:last-child td { border-bottom: 0; }

/* Callout */
.callout {
  background: var(--bg-soft); border: 1px solid var(--line); border-left: 4px solid var(--gold);
  border-radius: 12px; padding: 18px 22px; margin: 24px 0;
}
.callout p { margin: 0; font-size: 16px; }
.callout b { color: var(--navy); }

/* FAQ */
.faq { margin-top: 12px; }
.faq details {
  border: 1px solid var(--line); border-radius: 12px; padding: 4px 20px; margin-bottom: 12px; background: #fff;
}
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); font-size: 16.5px; padding: 14px 0; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; float: right; color: var(--gold-2); font-weight: 800; }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding-bottom: 14px; margin: 0; }

/* CTA card */
.cta-card {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: #fff; border-radius: 20px; padding: 40px; text-align: center; margin: 44px 0 8px;
  box-shadow: var(--shadow);
}
.cta-card h2 { color: #fff; margin: 0 0 10px; font-size: 26px; }
.cta-card p { color: #cdd9e4; margin: 0 auto 22px; max-width: 480px; font-size: 17px; }
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* Disclaimer */
.disclaimer { color: var(--muted); font-size: 13.5px; margin: 32px 0 8px; padding-top: 20px; border-top: 1px solid var(--line); }

/* ---------- Guides hub grid ---------- */
.guide-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; padding: 48px 0; }
.guide-card {
  display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: 0 4px 14px rgba(15,42,67,.04); transition: transform .18s ease, box-shadow .18s ease;
}
.guide-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); text-decoration: none; }
.guide-card .tag { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-2); margin-bottom: 12px; }
.guide-card h3 { color: var(--navy); font-size: 20px; font-weight: 800; margin-bottom: 10px; line-height: 1.3; }
.guide-card p { color: var(--muted); font-size: 15px; }
.guide-card .more { display: inline-block; margin-top: 14px; color: var(--gold-2); font-weight: 700; font-size: 14px; }

/* ---------- Footer (matches homepage) ---------- */
footer { background: var(--navy); color: #b9c6d3; padding: 52px 0 26px; }
.foot-top { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; padding-bottom: 30px; border-bottom: 1px solid rgba(255,255,255,.1); }
footer .brand { color: #fff; }
footer .brand .mark { background: rgba(255,255,255,.08); }
.foot-links { display: flex; gap: 26px; flex-wrap: wrap; }
.foot-links a { color: #b9c6d3; font-weight: 600; font-size: 15px; }
.foot-links a:hover { color: var(--gold); text-decoration: none; }
.foot-bottom { padding-top: 22px; font-size: 14px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .guide-grid { grid-template-columns: 1fr; }
}