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

:root {
  --color-bg: #f9fafb;
  --color-text: #111827;
  --color-primary: #0077B6;
  --color-primary-hover: #005F8F;
  --color-secondary: #0096C7;
  --color-border: #e5e7eb;
  --color-card: #ffffff;
  --color-muted: #6b7280;
  --color-highlight: #e1f5fe;
  --spacing-xs: 0.5rem;
  --spacing-sm: 1rem;
  --spacing-md: 1.5rem;
  --spacing-lg: 2rem;
  --spacing-xl: 3rem;
  --radius: 0.75rem;
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  background: linear-gradient(180deg, #ffffff 0%, var(--color-bg) 100%);
  color: var(--color-text);
  line-height: 1.6;
  font-size: 16px;
  min-height: 100vh;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.container.narrow {
  max-width: 800px;
}

.site-header {
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border);
  padding: var(--spacing-md) 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.site-header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.brand {
  display: flex;
  align-items: center;
  gap: var(--spacing-xs);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary);
}

.logo {
  font-size: 1.5rem;
}

.actions {
  display: flex;
  gap: var(--spacing-sm);
}

.btn {
  border: none;
  border-radius: var(--radius);
  padding: var(--spacing-xs) var(--spacing-md);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  display: inline-block;
  text-align: center;
}

.btn.primary {
  background: var(--color-primary);
  color: white;
  box-shadow: 0 4px 6px -1px rgba(0, 119, 182, 0.3), 0 2px 4px -1px rgba(0, 119, 182, 0.2);
}

.btn.primary:hover {
  background: var(--color-primary-hover);
  box-shadow: 0 6px 12px -2px rgba(0, 119, 182, 0.4), 0 3px 6px -2px rgba(0, 119, 182, 0.25);
  transform: translateY(-1px);
}

.btn.neutral {
  background: var(--color-card);
  color: var(--color-text);
  border: 2px solid var(--color-border);
}

.btn.neutral:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.btn.ghost {
  background: transparent;
  color: var(--color-muted);
}

.btn.ghost:hover {
  color: var(--color-primary);
}

.btn.copy {
  background: var(--color-bg);
  color: var(--color-text);
  font-size: 0.875rem;
  margin-top: var(--spacing-xs);
}

.btn.copy:hover {
  background: var(--color-border);
}

.btn-lg {
  padding: var(--spacing-sm) var(--spacing-lg);
  font-size: 1.1rem;
}

.hero {
  padding: var(--spacing-xl) 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
  align-items: center;
}

.hero-copy h1 {
  font-size: clamp(2rem, 5vw, 2.5rem);
  line-height: 1.2;
  margin-bottom: var(--spacing-md);
  color: var(--color-text);
  font-weight: 800;
}

.lead {
  font-size: clamp(1rem, 2.5vw, 1.125rem);
  color: var(--color-muted);
  margin-bottom: var(--spacing-lg);
  line-height: 1.6;
}

.cta-row {
  display: flex;
  gap: var(--spacing-sm);
  margin-bottom: var(--spacing-lg);
}

.trust-row {
  background: var(--color-card);
  padding: var(--spacing-md);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.progress {
  background: var(--color-border);
  height: 8px;
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: var(--spacing-sm);
}

.progress .bar {
  background: linear-gradient(90deg, var(--color-primary) 0%, var(--color-secondary) 100%);
  height: 100%;
  transition: width 0.3s ease;
  border-radius: 4px;
}

.progress-text {
  font-size: 0.9rem;
  color: var(--color-muted);
}

.card.photo {
  background: var(--color-card);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.card.photo:hover {
  transform: translateY(-4px);
  box-shadow: 0 25px 35px -5px rgba(0,0,0,0.15), 0 15px 15px -5px rgba(0,0,0,0.06);
}

.card.photo img {
  width: 100%;
  display: block;
}

.card.photo figcaption {
  padding: var(--spacing-md);
  font-size: 0.9rem;
  color: var(--color-muted);
  text-align: center;
}

.section {
  padding: var(--spacing-xl) 0;
}

.section h2 {
  font-size: clamp(1.5rem, 4vw, 2rem);
  margin-bottom: var(--spacing-md);
  color: var(--color-text);
  font-weight: 700;
}

.section p {
  margin-bottom: var(--spacing-md);
  color: var(--color-muted);
}

.section.highlight {
  background: var(--color-highlight);
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-md);
  margin: var(--spacing-lg) 0;
}

.bank-card {
  background: var(--color-card);
  padding: var(--spacing-lg);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  text-align: center;
}

.bank-card h3 {
  font-size: 1rem;
  margin-bottom: var(--spacing-sm);
  color: var(--color-muted);
  font-weight: 600;
}

.bank-card code {
  display: block;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary);
  background: var(--color-bg);
  padding: var(--spacing-sm);
  border-radius: 0.5rem;
  margin-bottom: var(--spacing-sm);
  word-break: break-all;
}

.holder {
  text-align: center;
  margin: var(--spacing-lg) 0;
  font-size: 1.1rem;
}

.disclaimer {
  display: block;
  text-align: center;
  color: var(--color-muted);
  font-size: 0.875rem;
}

.checklist {
  list-style: none;
  margin: var(--spacing-md) 0;
}

.checklist li {
  padding: var(--spacing-sm);
  margin-bottom: var(--spacing-xs);
  background: var(--color-card);
  border-radius: 0.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.text-primary {
  color: var(--color-primary);
}

details {
  background: var(--color-card);
  padding: var(--spacing-md);
  margin-bottom: var(--spacing-sm);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

summary {
  font-weight: 600;
  cursor: pointer;
  user-select: none;
}

summary:hover {
  color: var(--color-primary);
}

details p {
  margin-top: var(--spacing-sm);
  margin-bottom: 0;
}

.site-footer {
  background: var(--color-text);
  color: var(--color-bg);
  padding: var(--spacing-lg) 0;
  text-align: center;
  margin-top: var(--spacing-xl);
}

#toast {
  position: fixed;
  bottom: var(--spacing-lg);
  right: var(--spacing-lg);
  background: var(--color-text);
  color: white;
  padding: var(--spacing-md) var(--spacing-lg);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.3s;
  pointer-events: none;
  z-index: 1000;
}

#toast.show {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

@media (max-width: 768px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-copy h1 {
    font-size: 2rem;
  }

  .cta-row {
    flex-direction: column;
  }

  .grid-2 {
    grid-template-columns: 1fr;
  }

  .actions {
    gap: var(--spacing-xs);
  }

  .btn {
    font-size: 0.875rem;
    padding: var(--spacing-xs) var(--spacing-sm);
  }
}