:root {
    --primary: #0b6fb8;
    --primary-dark: #084e80;
    --accent: #1fb88a;
    --bg: #f4f7fb;
    --card: #ffffff;
    --text: #1d2a3b;
    --muted: #6b7a90;
    --border: #e3e9f2;
    --danger: #d64545;
    --shadow: 0 6px 24px rgba(20, 40, 80, .08);
}

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

body {
    font-family: 'Segoe UI', Roboto, 'Open Sans', system-ui, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
    background: linear-gradient(120deg, var(--primary), var(--primary-dark));
    color: #fff;
    position: sticky;
    top: 0;
    z-index: 50;
    box-shadow: 0 2px 12px rgba(0,0,0,.12);
}
.site-header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.25rem; color: #fff; }
.brand .logo {
    width: 38px; height: 38px; border-radius: 9px;
    background: #fff; color: var(--primary);
    display: grid; place-items: center; font-weight: 800;
}
.nav { display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
.nav a {
    color: #eaf4ff; padding: 8px 12px; border-radius: 8px; font-weight: 600; font-size: .95rem;
}
.nav a:hover, .nav a.active { background: rgba(255,255,255,.15); text-decoration: none; }
.nav .btn-login { background: #fff; color: var(--primary); }
.nav .btn-login:hover { background: #eaf4ff; }

/* Hero */
.hero {
    background: linear-gradient(120deg, var(--primary-dark), var(--primary));
    color: #fff; text-align: center; padding: 64px 20px 72px;
}
.hero h1 { font-size: 2.6rem; margin-bottom: 12px; }
.hero p { font-size: 1.15rem; opacity: .95; max-width: 640px; margin: 0 auto 28px; }
.hero .stats { display: flex; gap: 32px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }
.hero .stats div { font-size: .95rem; opacity: .9; }
.hero .stats strong { display: block; font-size: 1.8rem; }

.btn {
    display: inline-block; padding: 11px 22px; border-radius: 9px; font-weight: 700;
    background: var(--accent); color: #fff; border: none; cursor: pointer; font-size: .98rem;
}
.btn:hover { filter: brightness(1.05); text-decoration: none; }
.btn-primary { background: var(--primary); }
.btn-outline { background: transparent; border: 2px solid #fff; color: #fff; }
.btn-outline:hover { background: #fff; color: var(--primary); }
.btn-sm { padding: 7px 14px; font-size: .85rem; }

/* Sections */
.section { padding: 48px 0; }
.section h2 { font-size: 1.6rem; margin-bottom: 6px; }
.section .sub { color: var(--muted); margin-bottom: 24px; }
.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 860px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
    background: var(--card); border: 1px solid var(--border); border-radius: 14px;
    padding: 20px; box-shadow: var(--shadow);
}
.card h3 { margin-bottom: 8px; }
.card .meta { color: var(--muted); font-size: .85rem; margin-bottom: 10px; }
.tag {
    display: inline-block; font-size: .72rem; font-weight: 700; padding: 3px 9px;
    border-radius: 20px; background: #e6f3ff; color: var(--primary); margin-bottom: 10px;
}
.tag.green { background: #e3f7ef; color: var(--accent); }

/* Bank logo */
.bank-logo {
    width: 54px; height: 54px; border-radius: 12px; display: grid; place-items: center;
    font-weight: 800; color: #fff; background: linear-gradient(135deg, var(--primary), var(--accent));
    margin-bottom: 12px;
}

/* Tables */
table { width: 100%; border-collapse: collapse; margin-top: 12px; }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--border); font-size: .92rem; }
th { color: var(--muted); font-weight: 700; }

/* Forms */
.form-group { margin-bottom: 16px; }
label { display: block; font-weight: 600; margin-bottom: 6px; font-size: .9rem; }
input, textarea, select {
    width: 100%; padding: 11px 13px; border: 1px solid var(--border); border-radius: 9px;
    font: inherit; background: #fff; color: var(--text);
}
input:focus, textarea:focus, select:focus { outline: none; border-color: var(--primary); }

/* Auth */
.auth-wrap { max-width: 440px; margin: 48px auto; }
.auth-wrap .card { padding: 30px; }

/* Flash */
.flash {
    max-width: 1080px; margin: 18px auto 0; padding: 13px 18px; border-radius: 10px; font-weight: 600;
}
.flash-success { background: #e3f7ef; color: #0b7a58; border: 1px solid #b9e9d6; }
.flash-error { background: #fdeaea; color: #a32727; border: 1px solid #f3c5c5; }
.flash-info { background: #eaf3ff; color: #0b5bb8; border: 1px solid #c5dbff; }

/* Detail layout */
.layout { display: grid; grid-template-columns: 1fr 300px; gap: 24px; }
@media (max-width: 860px) { .layout { grid-template-columns: 1fr; } }
.article-body { font-size: 1.02rem; }
.article-body p { margin-bottom: 14px; }

/* Forum */
.topic { display: block; padding: 16px; border: 1px solid var(--border); border-radius: 12px; background: #fff; margin-bottom: 14px; }
.topic:hover { border-color: var(--primary); text-decoration: none; }
.topic h3 { color: var(--text); font-size: 1.1rem; }
.topic .meta { color: var(--muted); font-size: .85rem; }
.reply { border-left: 3px solid var(--border); padding: 10px 14px; margin: 12px 0; background: #fafcff; border-radius: 0 8px 8px 0; }

/* Footer */
.site-footer { background: #0b1b2e; color: #aebccd; padding: 36px 0 28px; margin-top: 40px; }
.site-footer a { color: #cfe0f5; }
.site-footer .cols { display: flex; gap: 40px; flex-wrap: wrap; }
.site-footer h4 { color: #fff; margin-bottom: 10px; font-size: 1rem; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 6px; font-size: .9rem; }
.site-footer .bottom { border-top: 1px solid #1d3148; margin-top: 24px; padding-top: 16px; font-size: .82rem; }

.profile-box { display: flex; gap: 14px; align-items: center; }
.avatar {
    width: 46px; height: 46px; border-radius: 50%; background: var(--primary); color: #fff;
    display: grid; place-items: center; font-weight: 800;
}
.muted { color: var(--muted); }
.center { text-align: center; }
.mt { margin-top: 16px; }