/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --blue-50:#eff6ff;--blue-100:#dbeafe;--blue-500:#3b82f6;--blue-600:#2563eb;--blue-700:#1d4ed8;--blue-800:#1e40af;
  --green-50:#f0fdf4;--green-500:#22c55e;--green-600:#16a34a;--green-700:#15803d;
  --orange-50:#fff7ed;--orange-500:#f97316;--orange-600:#ea580c;
  --red-50:#fef2f2;--red-500:#ef4444;
  --gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-300:#d1d5db;--gray-400:#9ca3af;--gray-500:#6b7280;--gray-600:#4b5563;--gray-700:#374151;--gray-800:#1f2937;--gray-900:#111827;
  --shadow-sm:0 1px 2px rgba(0,0,0,.06);
  --shadow-md:0 4px 6px -1px rgba(0,0,0,.08),0 2px 4px -2px rgba(0,0,0,.06);
  --shadow-lg:0 10px 15px -3px rgba(0,0,0,.08),0 4px 6px -4px rgba(0,0,0,.06);
  --radius:8px;--radius-lg:12px;--radius-xl:16px;
  --max-w:1200px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen,Ubuntu,Cantarell,sans-serif;
}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--font);color:var(--gray-800);background:var(--gray-50);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--blue-600);text-decoration:none}
a:hover{color:var(--blue-700)}
img{max-width:100%;height:auto}
ul{list-style:none}

/* ===== CONTAINER ===== */
.container{max-width:var(--max-w);margin:0 auto;padding:0 20px}

/* ===== HEADER ===== */
.header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--gray-200);box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-size:1.25rem;font-weight:700;color:var(--blue-600)}
.logo>svg{flex-shrink:0;align-self:center}
.logo:hover{color:var(--blue-700)}
.nav{display:flex;gap:2px;align-items:center}
.nav-link{padding:8px 14px;border-radius:var(--radius);font-size:.88rem;font-weight:500;color:var(--gray-700);transition:background .15s,color .15s;display:inline-flex;align-items:center;gap:4px;white-space:nowrap}
.nav-link:hover,.nav-link.active{background:var(--blue-50);color:var(--blue-600)}
.dd-arrow{transition:transform .2s}
.nav-item{position:relative}
.nav-item .dropdown{display:none;position:absolute;top:100%;left:0;min-width:220px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:8px 0;z-index:200}
.nav-item .dropdown a{display:block;padding:8px 18px;font-size:.88rem;color:var(--gray-700);transition:background .1s,color .1s}
.nav-item .dropdown a:hover{background:var(--blue-50);color:var(--blue-600)}
.nav-item:hover .dropdown,.nav-item.open .dropdown{display:block}
.nav-item:hover .dd-arrow{transform:rotate(180deg)}

/* ===== MEGA MENU ===== */
.nav-item.has-mega{position:static}
.nav-item.has-mega>.nav-link{padding-bottom:24px;margin-bottom:-16px}
.mega-menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-top:2px solid var(--blue-600);box-shadow:var(--shadow-lg);padding:28px 0;z-index:200}
.mega-menu::before{content:"";position:absolute;top:-20px;left:0;right:0;height:20px}
.mega-menu-inner{max-width:var(--max-w);margin:0 auto;padding:0 20px;display:flex;gap:40px}
.nav-item.has-mega.open .mega-menu{display:block}
.nav-item.has-mega.open .dd-arrow{transform:rotate(180deg)}
.mega-col{min-width:180px}
.mega-col h4{font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--gray-500);margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--gray-200)}
.mega-col a{display:block;padding:6px 0;font-size:.92rem;color:var(--gray-700);transition:color .15s}
.mega-col a:hover{color:var(--blue-600)}
.mega-link-all{margin-top:8px;font-weight:600;color:var(--blue-600)!important;font-size:.88rem!important}
.mega-link-all:hover{text-decoration:underline}

.menu-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--gray-700);padding:4px}

/* ===== FOOTER 4-col ===== */
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}

/* ===== BREADCRUMBS ===== */
.breadcrumbs{background:var(--gray-50);border-bottom:1px solid var(--gray-200);padding:12px 0;font-size:.85rem;color:var(--gray-500)}
.breadcrumbs a{color:var(--gray-600)}
.breadcrumbs a:hover{color:var(--blue-600)}
.breadcrumbs span{margin:0 6px}

/* ===== HERO ===== */
.hero{background:linear-gradient(135deg,var(--blue-600),var(--blue-800));color:#fff;padding:60px 0 50px;text-align:center}
.hero h1{font-size:2.2rem;margin-bottom:16px;font-weight:800;line-height:1.2}
.hero p{font-size:1.15rem;opacity:.9;max-width:640px;margin:0 auto 32px}
.hero-stats{display:flex;justify-content:center;gap:40px;flex-wrap:wrap}
.hero-stat{text-align:center}
.hero-stat strong{display:block;font-size:1.8rem;font-weight:800}
.hero-stat span{font-size:.85rem;opacity:.8}

/* ===== HUB GRID (homepage) ===== */
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.hub-card{display:flex;flex-direction:column;padding:28px 24px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);transition:all .2s;text-decoration:none;color:inherit}
.hub-card:hover{box-shadow:var(--shadow-lg);border-color:var(--blue-500);transform:translateY(-2px)}
.hub-icon{margin-bottom:16px}
.hub-card h3{font-size:1.15rem;font-weight:700;margin-bottom:8px;color:var(--gray-900)}
.hub-card p{font-size:.9rem;color:var(--gray-500);margin-bottom:12px;line-height:1.5;flex:1}
.hub-count{font-size:.8rem;font-weight:600;color:var(--blue-600);background:var(--blue-50);padding:4px 12px;border-radius:12px;align-self:flex-start}

/* ===== SECTION HERO (category pages) ===== */
.section-hero{background:linear-gradient(135deg,var(--blue-600),var(--blue-800));color:#fff;padding:48px 0 40px}
.section-hero h1{font-size:2rem;font-weight:800;margin-bottom:12px;line-height:1.2}
.section-hero p{font-size:1.05rem;opacity:.9;max-width:640px}
.section-hero .hero-stats{margin-top:24px}

/* ===== SUB-SECTION CARDS ===== */
.subsection-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.subsection-card{display:block;padding:24px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);transition:all .15s;text-decoration:none;color:inherit}
.subsection-card:hover{box-shadow:var(--shadow-md);border-color:var(--blue-500)}
.subsection-card h3{font-size:1.1rem;font-weight:700;margin-bottom:8px;color:var(--gray-900)}
.subsection-card p{font-size:.9rem;color:var(--gray-500);line-height:1.5}

/* ===== QUICK LINKS (inline pill nav) ===== */
.quick-links{display:flex;flex-wrap:wrap;gap:8px}
.quick-link{display:inline-flex;align-items:center;padding:8px 18px;background:#fff;border:1px solid var(--gray-200);border-radius:20px;font-size:.9rem;font-weight:600;color:var(--gray-700);transition:all .15s;white-space:nowrap}
.quick-link:hover{border-color:var(--blue-500);color:var(--blue-600);background:var(--blue-50)}

/* ===== SECTION ===== */
.section{padding:48px 0}
.section-title{font-size:1.5rem;font-weight:700;margin-bottom:24px;color:var(--gray-900)}
.section-subtitle{font-size:1rem;color:var(--gray-500);margin-top:-16px;margin-bottom:24px}

/* ===== FILTER BAR ===== */
.filter-bar{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:32px;display:flex;gap:16px;flex-wrap:wrap;align-items:end}
.filter-group{display:flex;flex-direction:column;gap:4px;flex:1;min-width:180px}
.filter-group label{font-size:.8rem;font-weight:600;color:var(--gray-600);text-transform:uppercase;letter-spacing:.03em}
.filter-group input,.filter-group select{padding:10px 14px;border:1px solid var(--gray-300);border-radius:var(--radius);font-size:.95rem;background:#fff;color:var(--gray-800);transition:border-color .15s}
.filter-group input:focus,.filter-group select:focus{outline:none;border-color:var(--blue-500);box-shadow:0 0 0 3px rgba(59,130,246,.15)}
.filter-btn{padding:10px 24px;background:var(--blue-600);color:#fff;border:none;border-radius:var(--radius);font-size:.95rem;font-weight:600;cursor:pointer;transition:background .15s;white-space:nowrap}
.filter-btn:hover{background:var(--blue-700)}

/* ===== LOAN CARDS ===== */
.loan-list{display:flex;flex-direction:column;gap:20px}
.loan-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:box-shadow .2s,border-color .2s}
.loan-card:hover{box-shadow:var(--shadow-lg);border-color:var(--blue-500)}
.loan-card-main{display:grid;grid-template-columns:180px 1fr auto;align-items:center;gap:24px;padding:24px}
.loan-card-logo{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:8px;gap:6px}
.card-type-label{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 10px;border-radius:10px}
.card-type-label.blue{background:var(--blue-50);color:var(--blue-600)}
.card-type-label.orange{background:var(--orange-50);color:var(--orange-600)}
.loan-card-logo .logo-placeholder{width:140px;height:60px;background:var(--gray-100);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;color:var(--gray-700);text-align:center;padding:8px}
.loan-card-info{display:grid;grid-template-columns:1fr 1.6fr 1fr 1fr;gap:16px}
.loan-card-info .info-item{display:flex;flex-direction:column}
.loan-card-info .info-label{font-size:.75rem;color:var(--gray-500);text-transform:uppercase;letter-spacing:.03em;margin-bottom:2px}
.loan-card-info .info-value{font-size:1.05rem;font-weight:700;color:var(--gray-900)}
.loan-card-info .info-value.highlight{color:var(--green-600)}
.loan-card-actions{display:flex;flex-direction:column;gap:8px;min-width:180px}
.loan-card .badge,.loan-card .tag{display:inline-block;padding:4px 10px;border-radius:20px;font-size:.75rem;font-weight:600;margin-bottom:4px;text-align:center;width:100%}
.detail-link{font-size:.8rem;color:var(--gray-500);text-align:center;transition:color .15s}
.detail-link:hover{color:var(--blue-600)}
.badge-rating{background:var(--green-50);color:var(--green-700)}
.badge-rating.medium{background:var(--orange-50);color:var(--orange-600)}
.badge-rating.low{background:var(--red-50);color:var(--red-500)}

/* ===== BUTTONS ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 24px;border-radius:var(--radius);font-size:.95rem;font-weight:600;border:none;cursor:pointer;transition:all .15s;text-decoration:none;gap:6px}
.btn-primary{background:var(--blue-600);color:#fff}
.btn-primary:hover{background:var(--blue-700);color:#fff}
.btn-secondary{background:var(--gray-100);color:var(--gray-700);border:1px solid var(--gray-300)}
.btn-secondary:hover{background:var(--gray-200);color:var(--gray-800)}
.btn-green{background:var(--green-600);color:#fff}
.btn-green:hover{background:var(--green-700);color:#fff}
.btn-sm{padding:8px 16px;font-size:.85rem}
.btn-block{width:100%}

/* ===== LOAN CARD EXPANDED ===== */
.loan-card-details{display:none;border-top:1px solid var(--gray-200);padding:24px;background:var(--gray-100)}
.loan-card-details.open{display:block}
.details-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.detail-col h4{font-size:.9rem;font-weight:700;margin-bottom:12px;color:var(--gray-700)}
.detail-col ul{display:flex;flex-direction:column;gap:6px;list-style:none;padding:0;margin:0}
.detail-col li{font-size:.9rem;color:var(--gray-600);padding-left:20px;position:relative}
.detail-col li::before{content:"";position:absolute;left:0;top:8px;width:8px;height:8px;border-radius:50%}
.detail-col.vyhody li::before{background:var(--green-500)}
.detail-col.nevyhody li::before{background:var(--red-500)}
.detail-col.pozadavky li::before{background:var(--blue-500)}
.expand-toggle{background:none;border:none;color:var(--blue-600);font-size:.85rem;cursor:pointer;padding:4px 0;display:flex;align-items:center;justify-content:center;gap:4px;font-weight:500;width:100%}
.expand-toggle:hover{color:var(--blue-700)}
.expand-toggle svg{transition:transform .2s}
.expand-toggle.open svg{transform:rotate(180deg)}

/* ===== DETAIL PAGE ===== */
.detail-hero{background:linear-gradient(135deg,var(--blue-600),var(--blue-800));color:#fff;padding:48px 0 56px}
.detail-hero h1{font-size:2rem;font-weight:800;margin-bottom:0}
.detail-hero .subtitle{opacity:.85;font-size:1.05rem}
.detail-header{display:flex;align-items:center;gap:24px}
.detail-logo-box{width:120px;height:80px;background:#fff;border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem;box-shadow:0 2px 8px rgba(0,0,0,.1);padding:8px}
.detail-logo-box img{max-width:100%;max-height:100%;object-fit:contain}

.key-numbers{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:32px;margin:-20px auto 40px;position:relative;box-shadow:var(--shadow-md);display:grid;grid-template-columns:1.6fr 1.2fr 1fr 1fr 1fr;gap:24px;max-width:var(--max-w)}
.key-number{text-align:center}
.key-number .kn-label{font-size:.8rem;color:var(--gray-500);text-transform:uppercase;letter-spacing:.03em;margin-bottom:4px}
.key-number .kn-value{font-size:1.4rem;font-weight:800;color:var(--gray-900);white-space:nowrap}
.key-number .kn-value.green{color:var(--green-600)}

.detail-content{display:grid;grid-template-columns:1fr 340px;gap:32px}
.detail-main h2{font-size:1.3rem;font-weight:700;margin:32px 0 16px;color:var(--gray-900)}
.detail-main h2:first-child{margin-top:0}
.detail-main p{color:var(--gray-600);margin-bottom:16px}

.detail-sidebar{display:flex;flex-direction:column;gap:20px}
.sidebar-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px;box-shadow:var(--shadow-sm)}
.sidebar-card h3{font-size:1rem;font-weight:700;margin-bottom:16px}

/* ===== CALCULATOR ===== */
.calc-row{margin-bottom:16px}
.calc-row label{display:block;font-size:.85rem;font-weight:600;color:var(--gray-700);margin-bottom:6px}
.calc-row input[type=range]{width:100%;accent-color:var(--blue-600)}
.calc-row .range-labels{display:flex;justify-content:space-between;font-size:.8rem;color:var(--gray-400);margin-top:2px}
.calc-value{font-size:1.1rem;font-weight:700;color:var(--blue-600);text-align:center;margin-bottom:4px}
.calc-result{background:var(--blue-50);border-radius:var(--radius);padding:16px;text-align:center;margin-top:16px}
.calc-result .monthly{font-size:1.5rem;font-weight:800;color:var(--blue-600)}
.calc-result .label{font-size:.8rem;color:var(--gray-500);margin-top:2px}

/* ===== FEES TABLE ===== */
.fees-table{width:100%;border-collapse:collapse}
.fees-table tr{border-bottom:1px solid var(--gray-200)}
.fees-table td{padding:10px 0;font-size:.9rem}
.fees-table td:first-child{color:var(--gray-500)}
.fees-table td:last-child{font-weight:600;text-align:right}

/* ===== AMORTIZATION TABLE ===== */
.amort-table{width:100%;border-collapse:collapse;font-size:.9rem}
.amort-table th{background:var(--gray-50);padding:10px 12px;text-align:left;font-weight:600;color:var(--gray-600);border-bottom:2px solid var(--gray-200);font-size:.8rem;text-transform:uppercase;letter-spacing:.03em}
.amort-table td{padding:10px 12px;border-bottom:1px solid var(--gray-100)}
.amort-table tr:hover{background:var(--gray-50)}

/* ===== TAG / PILL ===== */
.tag-list{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0}
.tag{display:inline-flex;align-items:center;gap:4px;padding:6px 12px;background:var(--gray-100);border-radius:20px;font-size:.85rem;color:var(--gray-700)}
.tag svg{width:14px;height:14px}
.tag.green{background:var(--green-50);color:var(--green-700)}
.tag.red{background:var(--red-50);color:var(--red-500)}
.tag.blue{background:var(--blue-50);color:var(--blue-600)}
.tag.orange{background:var(--orange-50);color:var(--orange-600)}

/* ===== INFO BOX ===== */
.info-box{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--radius);padding:20px 24px;margin:24px 0}
.info-box h3{font-size:1rem;color:var(--blue-700);margin-bottom:8px}
.info-box p{font-size:.9rem;color:var(--blue-800);margin:0}

/* ===== PROVIDERS GRID ===== */
.providers-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.provider-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:24px;transition:box-shadow .2s,border-color .2s}
.provider-card:hover{box-shadow:var(--shadow-md);border-color:var(--blue-500)}
.provider-card h3{font-size:1.1rem;margin-bottom:8px}
.provider-card p{font-size:.9rem;color:var(--gray-500);margin-bottom:12px}
.provider-card .meta{font-size:.8rem;color:var(--gray-400)}

/* ===== CONTENT PAGE ===== */
.content-page{padding:48px 0}
.content-page h1{font-size:2rem;font-weight:800;margin-bottom:16px}
.content-page h2{font-size:1.4rem;font-weight:700;margin:32px 0 12px}
.content-page p{color:var(--gray-600);margin-bottom:16px;max-width:720px}
.content-page ul{margin:0 0 16px 24px;list-style:disc}
.content-page li{color:var(--gray-600);margin-bottom:6px}

/* ===== MAGAZINE / ARTICLES ===== */
.article-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(340px,1fr));gap:24px;margin-top:24px}
.article-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;transition:box-shadow .2s,border-color .2s}
.article-card:hover{box-shadow:var(--shadow-lg);border-color:var(--blue-500)}
.article-card-img{height:200px;overflow:hidden;background:var(--gray-100)}
.article-card-img img{width:100%;height:100%;object-fit:cover}
.article-card-body{padding:20px}
.article-card-body h2{font-size:1.1rem;font-weight:700;margin:8px 0;line-height:1.4}
.article-card-body h2 a{color:var(--gray-900)}
.article-card-body h2 a:hover{color:var(--blue-600)}
.article-card-body p{font-size:.9rem;color:var(--gray-500);margin-bottom:12px;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.article-meta{font-size:.8rem;color:var(--gray-400)}
.article-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}
.article-categories{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}

.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}
.cat-card{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);transition:all .15s;text-decoration:none}
.cat-card:hover{border-color:var(--blue-500);box-shadow:var(--shadow-sm);background:var(--blue-50)}
.cat-name{font-size:.9rem;font-weight:600;color:var(--gray-800)}
.cat-card:hover .cat-name{color:var(--blue-600)}
.cat-count{font-size:.8rem;font-weight:700;color:var(--gray-400);background:var(--gray-100);padding:2px 10px;border-radius:12px}
.cat-card:hover .cat-count{background:var(--blue-100);color:var(--blue-600)}

.article-layout{display:grid;grid-template-columns:1fr 300px;gap:40px}
.article-detail{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:32px 36px;overflow:hidden}
.article-detail h1{font-size:2rem;font-weight:800;margin:12px 0 16px;line-height:1.3}
.article-content{max-width:none;overflow-x:hidden}
.article-content img{border-radius:var(--radius);margin:16px 0;max-width:100%;height:auto}
.article-content h2{font-size:1.4rem;font-weight:700;margin:32px 0 12px}
.article-content h3{font-size:1.15rem;font-weight:700;margin:24px 0 8px}
.article-content p{color:var(--gray-600);margin-bottom:16px}
.article-content ul,.article-content ol{margin:0 0 16px 24px}
.article-content ul{list-style:disc}
.article-content ol{list-style:decimal}
.article-content li{color:var(--gray-600);margin-bottom:6px}
.article-content a{color:var(--blue-600)}
.article-content a:hover{text-decoration:underline}
.article-content .table-wrap{overflow-x:auto;margin:16px 0;-webkit-overflow-scrolling:touch}
.article-content table{width:100%;border-collapse:collapse;margin:16px 0;min-width:400px}
.article-content th,.article-content td{padding:10px 12px;border:1px solid var(--gray-200);font-size:.9rem}
.article-content th{background:var(--gray-50);font-weight:600}
.article-content blockquote{border-left:4px solid var(--blue-500);padding:12px 20px;margin:16px 0;background:var(--blue-50);color:var(--blue-800);border-radius:0 var(--radius) var(--radius) 0}

.article-sidebar{display:flex;flex-direction:column;gap:20px}

.sidebar-cta{background:linear-gradient(135deg,#1e40af,#2563eb);border-radius:var(--radius-lg);padding:28px 24px;text-align:center;color:#fff;box-shadow:0 8px 24px rgba(37,99,235,.3);position:sticky;top:80px}
.sidebar-cta .cta-icon{margin-bottom:12px}
.sidebar-cta h3{font-size:1.15rem;font-weight:800;margin-bottom:8px;line-height:1.3}
.sidebar-cta p{font-size:.88rem;opacity:.88;margin-bottom:20px;line-height:1.5}
.sidebar-cta .btn-primary{background:#fff;color:var(--blue-700);font-size:1rem;padding:14px 24px;font-weight:700;border-radius:var(--radius);box-shadow:0 2px 8px rgba(0,0,0,.15);transition:transform .15s,box-shadow .15s}
.sidebar-cta .btn-primary:hover{transform:translateY(-1px);box-shadow:0 4px 12px rgba(0,0,0,.2);color:var(--blue-800)}
.sidebar-cta .cta-note{display:block;font-size:.75rem;opacity:.7;margin-top:10px}

.recent-articles{display:flex;flex-direction:column;gap:12px}
.recent-articles li{border-bottom:1px solid var(--gray-100);padding-bottom:12px}
.recent-articles li:last-child{border-bottom:none;padding-bottom:0}
.recent-articles a{font-size:.9rem;font-weight:600;color:var(--gray-800);display:block}
.recent-articles a:hover{color:var(--blue-600)}
.recent-articles .meta{font-size:.75rem;color:var(--gray-400);display:block;margin-top:2px}

.pagination{display:flex;justify-content:center;gap:4px;margin-top:40px}
.pagination a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:var(--radius);font-size:.9rem;font-weight:600;color:var(--gray-600);border:1px solid var(--gray-200);transition:all .15s}
.pagination a:hover{border-color:var(--blue-500);color:var(--blue-600)}
.pagination a.active{background:var(--blue-600);color:#fff;border-color:var(--blue-600)}
.pag-ellipsis{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;font-size:.9rem;color:var(--gray-400)}
.pag-arrow{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:var(--radius);font-size:1rem;color:var(--gray-600);border:1px solid var(--gray-200);transition:all .15s}
.pag-arrow:hover{border-color:var(--blue-500);color:var(--blue-600)}

/* ===== FOOTER ===== */
.footer{background:var(--gray-900);color:var(--gray-300);padding:48px 0 24px;margin-top:64px}
.footer h3{color:#fff;font-size:1rem;margin-bottom:16px}
.footer p,.footer li{font-size:.9rem;line-height:1.7}
.footer a{color:var(--gray-400);transition:color .15s}
.footer a:hover{color:#fff}
.footer-note{font-size:.8rem;color:var(--gray-500);margin-top:12px}
.footer-bottom{margin-top:32px;padding-top:20px;border-top:1px solid var(--gray-700);font-size:.8rem;color:var(--gray-500)}
.footer li{margin-bottom:6px}

/* ===== RESPONSIVE ===== */
@media(max-width:960px){
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:16px 20px;border-bottom:1px solid var(--gray-200);box-shadow:var(--shadow-md);z-index:200;max-height:80vh;overflow-y:auto}
  .nav.open{display:flex}
  .menu-toggle{display:block}
  .nav-item .dropdown{position:static;box-shadow:none;border:none;padding:0 0 0 16px;min-width:0}
  .nav-item .dropdown a{padding:6px 12px;font-size:.85rem}
  .mega-menu{position:static!important;border:none!important;border-top:none!important;box-shadow:none!important;padding:8px 0 8px 16px!important;flex-direction:column!important;gap:16px!important}
  .nav-item.has-mega:hover .mega-menu,.nav-item.has-mega.open .mega-menu{display:flex}
  .mega-col h4{font-size:.8rem;margin-bottom:6px;padding-bottom:4px}
  .mega-col a{padding:4px 0;font-size:.85rem}
}
@media(max-width:900px){
  .loan-card-main{grid-template-columns:1fr;gap:16px}
  .loan-card-info{grid-template-columns:repeat(2,1fr)}
  .loan-card-actions{flex-direction:row}
  .loan-card-logo{justify-content:start}
  .details-grid{grid-template-columns:1fr}
  .detail-content{grid-template-columns:1fr}
  .key-numbers{grid-template-columns:repeat(3,1fr);margin:-30px 20px 24px;padding:24px 16px}
  .key-number .kn-value{font-size:1.15rem;white-space:normal}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:1.6rem}
  .filter-bar{flex-direction:column}
  .filter-group{min-width:100%}
  .article-layout{grid-template-columns:1fr}
  .article-grid{grid-template-columns:1fr}
  .hub-grid{grid-template-columns:1fr}
  .subsection-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  .footer-grid{grid-template-columns:1fr}
  .loan-card-info{grid-template-columns:1fr 1fr}
  .loan-card-actions{flex-direction:column}
  .key-numbers{grid-template-columns:repeat(2,1fr);padding:16px 12px;gap:12px}
  .key-number:first-child{grid-column:1/-1}
  .key-number .kn-value{font-size:1rem}
  .key-number .kn-label{font-size:.7rem}
  .detail-header{gap:16px}
  .detail-logo-box{width:80px;height:56px;padding:6px}
  .detail-hero h1{font-size:1.4rem}
  .detail-hero .subtitle{font-size:.85rem}
  .detail-hero{padding:32px 0 40px}
  .hero-stats{gap:24px}
  .hero-stat strong{font-size:1.4rem}
  .article-detail{padding:20px 16px}
  .container{padding:16px}
}