/* ============================================================
   banks-cards.com — style v2
   Extension of the v1 family style (spreadsheet blues, Calibri).
   Class-compatible with v1 pages: swap the stylesheet link and
   existing pages keep working; new components are opt-in.
   No frameworks, no webfonts, no JS required. Target < 20 KB.
   ============================================================ */

:root{
  /* v1 core — unchanged */
  --blue:#1F4E79; --blue-dark:#16395c; --blue-light:#D9E2F3; --green:#E2EFDA;
  --ink:#1c2733; --muted:#5a6a7a; --line:#d7dee6; --bg:#f6f8fa; --accent:#e8a13a;
  /* v2 additions */
  --blue-deep:#0f2d47; --blue-pale:#eef2f9;
  --input:#fff2cc; --input-line:#e3ce8f;
  --calc:#e2efda; --calc-ink:#375623;
  --ink-soft:#33424f; --line-strong:#b9c6d4;
  --warn-bg:#fdf0dc; --warn-ink:#7a5210;
  --bad:#b3261e; --fail-bg:#f6d9d6;
  --paypal:#0070ba; --paypal-dark:#005a94;
  --crypto:#1e8465; --crypto-dark:#17684f;
  --shadow-sm:0 1px 3px rgba(22,57,92,.08);
}

/* ---------- base ---------- */
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Calibri,'Segoe UI','Helvetica Neue',Arial,sans-serif;
  color:var(--ink);background:#fff;line-height:1.6;font-size:16.5px}
a{color:var(--blue)}
a:hover{text-decoration:underline}
a:focus-visible,.btn:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
img{max-width:100%}
::selection{background:var(--input)}
.small{font-size:13.5px;color:var(--muted)}
.center{text-align:center}
.mt0{margin-top:0}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--blue);margin:0 0 10px}

/* ---------- layout ---------- */
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.prose{max-width:760px}
section.text{padding:26px 0}
section.text h1{color:var(--blue-dark);font-size:32px;line-height:1.2;margin:0 0 12px}
section.text h2{color:var(--blue-dark);font-size:27px;line-height:1.25;margin:0 0 12px}
section.text h3{color:var(--blue);font-size:19px;line-height:1.3;margin:22px 0 6px}
section.text p,section.text li{color:var(--ink-soft)}
.section-alt{background:var(--blue-pale)}

/* ---------- header / nav ---------- */
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.nav{display:flex;align-items:center;gap:26px;padding:14px 0;flex-wrap:wrap}
.logo{font-weight:700;font-size:20px;color:var(--blue-dark);text-decoration:none}
.logo span{color:var(--accent)}
.nav nav{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.nav nav a{color:var(--ink);text-decoration:none;font-size:15px;padding:2px 0}
.nav nav a:hover{color:var(--blue);text-decoration:none}
.nav nav a.active{color:var(--blue);font-weight:700;box-shadow:inset 0 -2px 0 var(--blue)}
.nav .spacer{flex:1}

/* breadcrumbs */
.crumbs{font-size:13.5px;color:var(--muted);padding:12px 0 0}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--blue);text-decoration:underline}
.crumbs .sep{margin:0 6px;color:var(--line-strong)}
.crumbs .here{color:var(--ink)}

/* ---------- hero ---------- */
.hero{background:var(--blue-pale);border-top:3px solid var(--blue);
  border-bottom:1px solid var(--line);padding:52px 0 34px}
.hero h1{font-size:40px;line-height:1.12;margin:0 0 14px;color:var(--blue-dark)}
.hero p{font-size:18px;color:var(--muted);max-width:720px;margin:0 0 22px}
.hero-compact{background:var(--blue-pale);border-top:3px solid var(--blue);
  border-bottom:1px solid var(--line);padding:26px 0 22px}
.hero-compact h1{font-size:32px;line-height:1.18;margin:0 0 8px;color:var(--blue-dark)}
.hero-compact p{font-size:16.5px;color:var(--muted);max-width:720px;margin:0}

/* ---------- buttons ---------- */
.btn{display:inline-block;padding:11px 20px;border-radius:8px;text-decoration:none;
  font-weight:700;font-size:15px;line-height:1.35;margin:0 8px 10px 0;border:1.5px solid transparent}
.btn:hover{text-decoration:none;filter:brightness(1.07);box-shadow:var(--shadow-sm)}
.btn-primary{background:var(--blue);color:#fff}
.btn-paypal{background:var(--paypal);color:#fff}
.btn-paypal:hover{background:var(--paypal-dark);filter:none}
.btn-crypto{background:var(--crypto);color:#fff}
.btn-crypto:hover{background:var(--crypto-dark);filter:none}
.btn-ghost{background:#fff;color:var(--blue);border-color:var(--blue)}
.btn-lite{background:var(--input);color:var(--ink);border-color:var(--input-line)}
.btn-sm{padding:8px 14px;font-size:14px}
.btn-lg{padding:14px 26px;font-size:16.5px}
.btn-block{display:block;text-align:center;margin-right:0}
.cta-stack .btn{display:block;text-align:center;margin-right:0}

/* ---------- product cards ---------- */
.cards{display:grid;grid-template-columns:1fr 1fr;gap:22px;padding:34px 0}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:34px 0}
.card{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff;
  display:flex;flex-direction:column;transition:border-color .15s ease}
.card:hover{border-color:var(--line-strong);box-shadow:var(--shadow-sm)}
.card img{width:100%;display:block}
.card .body{padding:20px 22px 24px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h2,.card h3{margin:0;font-size:22px;color:var(--blue-dark)}
.card .tag{align-self:flex-start;background:var(--blue-light);color:var(--blue-dark);
  font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:3px 10px;border-radius:999px}
.card .price{font-size:20px;font-weight:700;font-variant-numeric:tabular-nums}
.card .price s{color:var(--muted);font-weight:400;font-size:16px}
.card .price .per{font-size:13.5px;color:var(--muted);font-weight:400}
.card ul{margin:0;padding-left:18px;color:var(--muted)}
.card .cta{margin-top:auto}

/* ---------- dark band ---------- */
.band{background:var(--blue-dark);color:#fff;border-radius:12px;padding:26px 28px;margin:6px 0 36px}
.band h2{margin:0 0 8px;font-size:24px;color:#fff}
.band p{margin:0 0 16px;color:#cfe0f1}
.band .btn-ghost{background:transparent;color:#fff;border-color:#fff}

/* ---------- KPI tiles ---------- */
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:16px 0}
.kpi{border:1px solid var(--line);border-radius:10px;padding:14px;background:var(--bg)}
.kpi .v{font-size:24px;line-height:1.15;font-weight:700;color:var(--blue-dark);font-variant-numeric:tabular-nums}
.kpi .l{font-size:13px;color:var(--muted)}
.kpi .d{font-size:12.5px;color:var(--muted);margin-top:2px}
.kpi.good .v{color:var(--calc-ink)}
.kpi.neg .v{color:var(--bad)}

/* ---------- formula box ---------- */
.formula{background:var(--bg);border:1px solid var(--line);border-left:3px solid var(--blue);
  border-radius:8px;padding:12px 16px;font-family:Consolas,'Courier New',monospace;
  font-size:15px;margin:10px 0;overflow-x:auto}
.formula .fname{display:block;font-family:Calibri,'Segoe UI',Arial,sans-serif;font-size:12px;
  font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}

/* ---------- tables ---------- */
.table-scroll{overflow-x:auto;margin:14px 0}
table.sample{border-collapse:collapse;width:100%;margin:14px 0;max-width:680px;
  font-variant-numeric:tabular-nums}
.table-scroll table.sample{margin:0;max-width:none}
table.sample th,table.sample td{border:1px solid var(--line);padding:8px 12px;text-align:left;font-size:15px}
table.sample th{background:var(--blue-light);color:var(--blue-dark)}
table.sample tbody tr:nth-child(even) td{background:#fafbfc}
table.sample.num td:nth-child(n+2),table.sample.num th:nth-child(n+2){text-align:right}
table.sample tr.total td{font-weight:700;border-top:2px solid var(--line-strong);background:#fff}

/* the sheet: yellow inputs -> green results (signature component) */
table.sheet{border-collapse:collapse;width:100%;margin:14px 0;max-width:680px;font-variant-numeric:tabular-nums}
table.sheet th,table.sheet td{border:1px solid var(--line);padding:8px 12px;font-size:15px;text-align:left}
table.sheet th{background:var(--blue);color:#fff}
table.sheet td.val{text-align:right;white-space:nowrap}
table.sheet td.in{background:var(--input)}
table.sheet td.calc{background:var(--calc);font-weight:700;color:var(--calc-ink)}
.sheet-legend{font-size:13.5px;color:var(--muted);margin:-6px 0 14px}
.sheet-legend .sw{display:inline-block;width:11px;height:11px;border:1px solid var(--line-strong);
  vertical-align:-1px;margin:0 4px 0 10px}
.sheet-legend .sw-in{background:var(--input)}
.sheet-legend .sw-calc{background:var(--calc)}

/* comparison table */
table.vs td.hl,table.vs th.hl{background:var(--blue-pale)}
table.vs th.hl{color:var(--blue-dark)}
table.vs .yes{color:var(--calc-ink);font-weight:700}
table.vs .no{color:var(--muted)}

/* ---------- note / warning / verdict ---------- */
.note{background:var(--calc);border-radius:10px;padding:14px 18px;margin:16px 0;font-size:15px;color:var(--ink-soft)}
.note-blue{background:var(--blue-pale);border-radius:10px;padding:14px 18px;margin:16px 0;font-size:15px;color:var(--ink-soft)}
.warn{background:var(--warn-bg);border-left:3px solid var(--accent);border-radius:8px;
  padding:14px 18px;margin:16px 0;font-size:15px;color:var(--ink-soft)}
.warn h3,.warn strong{color:var(--warn-ink)}
.verdict{background:var(--blue-deep);color:#fff;border-radius:12px;padding:20px 24px;margin:16px 0;
  display:flex;align-items:center;gap:14px;flex-wrap:wrap;font-size:17px}
.verdict .big{font-size:20px;font-weight:700}
.pill{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:3px 12px;border-radius:999px;vertical-align:2px}
.pill-pass{background:var(--calc);color:var(--calc-ink)}
.pill-fail{background:var(--fail-bg);color:var(--bad)}

/* ---------- FAQ (static, all open) ---------- */
.faq dt{font-weight:700;color:var(--ink);font-size:16.5px;margin-top:16px}
.faq dd{margin:4px 0 0;padding-bottom:14px;border-bottom:1px solid var(--line);color:var(--ink-soft)}

/* ---------- checklist ---------- */
.checklist{list-style:none;padding-left:2px}
.checklist li{position:relative;padding:5px 0 5px 30px;color:var(--ink-soft)}
.checklist li::before{content:"";position:absolute;left:2px;top:9px;width:12px;height:12px;
  border:1.5px solid var(--blue);border-radius:3px;background:#fff}
.checklist li.done{color:var(--muted)}
.checklist li.done::before{background:var(--calc);border-color:var(--calc-ink)}
.checklist li.done::after{content:"✓";position:absolute;left:4px;top:3px;font-size:12px;
  font-weight:700;color:var(--calc-ink)}

/* ---------- glossary ---------- */
.chip{display:inline-block;padding:5px 12px;border:1px solid var(--line);border-radius:999px;
  font-size:14px;color:var(--blue);text-decoration:none;margin:0 4px 8px 0;background:#fff}
.chip:hover{border-color:var(--blue);text-decoration:none}
.chip.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.alpha-nav{margin:14px 0 6px}
.term .def{font-size:18px;color:var(--ink)}
.seealso{border-top:1px solid var(--line);margin-top:26px;padding-top:12px;font-size:15px;color:var(--muted)}
.seealso a{margin-right:14px;white-space:nowrap}

/* ---------- TOC & related ---------- */
.toc{background:var(--blue-pale);border-radius:10px;padding:16px 20px;margin:18px 0}
.toc .eyebrow{margin-bottom:6px}
.toc ol{margin:0;padding-left:20px}
.toc li{margin:3px 0}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0}
.related a{display:block;border:1px solid var(--line);border-radius:10px;padding:14px 16px;
  text-decoration:none;background:#fff}
.related a:hover{border-color:var(--line-strong);box-shadow:var(--shadow-sm);text-decoration:none}
.related .t{font-weight:700;color:var(--blue-dark);font-size:16px;display:block;margin-bottom:3px}
.related .d{font-size:13.5px;color:var(--muted)}

/* ---------- misc ---------- */
.shot{max-width:640px;width:100%;border:1px solid var(--line);border-radius:10px}

/* ---------- footer ---------- */
footer{border-top:1px solid var(--line);margin-top:44px;padding:22px 0 34px;color:var(--muted);font-size:13.5px}
footer nav{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:10px}
footer nav a{color:var(--muted)}
footer .cols{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:16px}
footer .cols h4{margin:0 0 8px;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink)}
footer .cols a{display:block;color:var(--muted);text-decoration:none;padding:2px 0;font-size:14px}
footer .cols a:hover{color:var(--blue);text-decoration:underline}

/* ---------- responsive ---------- */
@media(max-width:860px){
  .cards-3{grid-template-columns:1fr 1fr}
  .related{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  header{position:static}
  .nav{flex-wrap:nowrap;gap:14px}
  .nav nav{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .nav nav a{padding:9px 2px}
  footer .cols a{padding:6px 0}
  .chip{padding:9px 14px}
  .cards,.cards-3{grid-template-columns:1fr}
  .hero{padding:36px 0 24px}
  .hero h1{font-size:30px}
  .hero-compact h1{font-size:27px}
  .kpis{grid-template-columns:repeat(auto-fit,minmax(128px,1fr))}
  .band{padding:22px}
  .verdict{font-size:16px}
}
@media(max-width:520px){
  .wrap{padding:0 16px}
  .kpi .v{font-size:21px}
  .logo{font-size:18px}
  footer .cols{grid-template-columns:1fr}
}

/* ---------- print (checklists get printed) ---------- */
@media print{
  header,footer nav,.crumbs,.toc,.related{display:none}
  body{color:#000;font-size:12pt}
  .band,.verdict,.hero,.hero-compact{background:#fff;color:#000;border:1px solid #999}
  .table-scroll{overflow:visible}
  a{color:#000;text-decoration:none}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .card{transition:none}
}