:root {
  --bg: #fbf8f2;
  --paper: #ffffff;
  --ink: #1a1d24;
  --ink-soft: #4a5262;
  --line: #e6e2d6;
  --line-soft: #f0ece0;
  --accent: #1b4b3a;
  --accent-warm: #b8724c;
  --accent-soft: #d9e5df;
  --gold: #b18e3c;
  --serif: "Fraunces", "Source Serif Pro", Georgia, serif;
  --sans: "Inter", ui-sans-serif, system-ui, -apple-system, sans-serif;
  --r: 12px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ---------- header ---------- */

.nav {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 30;
}
.nav-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-family: var(--serif);
  font-weight: 600;
  font-size: 20px;
  letter-spacing: -0.01em;
}
.brand svg { width: 28px; height: 28px; color: var(--accent); }
.brand em { font-style: normal; color: var(--accent-warm); }

.nav-links { display: flex; gap: 28px; }
.nav-links a {
  color: var(--ink-soft);
  font-size: 14.5px;
  font-weight: 500;
}
.nav-links a:hover { color: var(--ink); text-decoration: none; }
.nav-cta {
  background: var(--ink);
  color: var(--paper);
  padding: 9px 16px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
}
.nav-cta:hover { background: var(--accent); text-decoration: none; }

/* ---------- containers ---------- */

.wrap { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 780px; margin: 0 auto; padding: 0 24px; }

section { padding: 72px 0; }
section.tight { padding: 48px 0; }

/* ---------- hero ---------- */

.hero {
  background:
    radial-gradient(1000px 500px at 90% 0%, rgba(184, 114, 76, 0.09), transparent 70%),
    linear-gradient(180deg, #f6efdf 0%, var(--bg) 100%);
  padding: 96px 0 88px;
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
}
.eyebrow {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-warm);
  margin-bottom: 16px;
}
h1 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 56px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 0 0 20px;
  color: var(--ink);
}
h1 em { font-style: italic; color: var(--accent-warm); font-weight: 400; }
.lede {
  font-size: 18.5px;
  line-height: 1.55;
  color: var(--ink-soft);
  margin: 0 0 28px;
  max-width: 520px;
}
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }
.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 9px;
  font-weight: 500;
  font-size: 15px;
  border: 1px solid transparent;
  cursor: pointer;
  font-family: inherit;
  transition: transform 0.1s ease, background 0.15s ease, border-color 0.15s ease;
}
.btn.primary { background: var(--ink); color: var(--paper); }
.btn.primary:hover { background: var(--accent); text-decoration: none; }
.btn.ghost { color: var(--ink); border-color: var(--line); background: var(--paper); }
.btn.ghost:hover { border-color: var(--ink); text-decoration: none; }

/* hero visual — a real credit card mock */
.hero-visual {
  position: relative;
  aspect-ratio: 1 / 1;
  display: grid;
  place-items: center;
}
.card {
  position: absolute;
  width: 380px;
  max-width: 90%;
  aspect-ratio: 1.586 / 1;
  border-radius: 18px;
  padding: 24px;
  color: #fff8ec;
  font-family: var(--sans);
  box-shadow: 0 30px 60px -20px rgba(20, 24, 30, 0.35), 0 8px 18px -8px rgba(20, 24, 30, 0.2);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: rotate(-4deg);
  transition: transform 0.35s ease;
}
.card:hover { transform: rotate(-2deg) translateY(-4px); }
.card.dark { background: linear-gradient(135deg, #1b1f2a 0%, #2b3241 100%); }
.card.warm { background: linear-gradient(135deg, #7b3a20 0%, #b8724c 100%); transform: rotate(6deg) translate(80px, 40px); }
.card.warm:hover { transform: rotate(4deg) translate(80px, 36px); }
.card-brand { font-family: var(--serif); font-size: 18px; letter-spacing: 0.02em; }
.card-brand em { font-style: italic; opacity: 0.85; }
.card-number { font-family: "Courier New", monospace; font-size: 17px; letter-spacing: 0.14em; opacity: 0.9; }
.card-foot { display: flex; justify-content: space-between; align-items: flex-end; }
.card-foot small { font-size: 10.5px; letter-spacing: 0.14em; text-transform: uppercase; opacity: 0.7; display: block; }
.card-foot b { font-family: var(--serif); font-size: 15px; font-weight: 500; }
.card-chip {
  width: 38px; height: 28px; border-radius: 5px;
  background: linear-gradient(135deg, #d4b46a, #a68840);
  position: relative;
}
.card-chip::before, .card-chip::after {
  content: ""; position: absolute; inset: 4px; border: 1px solid rgba(255,255,255,0.25); border-radius: 3px;
}
.card-chip::after { inset: 10px; border-top: 0; border-bottom: 0; }
.card-net {
  width: 42px; height: 26px; opacity: 0.9;
}

/* ---------- sections ---------- */

h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 36px;
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin: 0 0 12px;
  color: var(--ink);
}
h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 22px;
  line-height: 1.25;
  margin: 0 0 8px;
  color: var(--ink);
}
h2 em { font-style: italic; color: var(--accent-warm); font-weight: 400; }
.section-lede {
  font-size: 17px;
  color: var(--ink-soft);
  max-width: 640px;
  margin: 0 auto 44px;
  text-align: center;
}
.section-head { text-align: center; margin-bottom: 48px; }

/* pillars grid */
.pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.pillar {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 30px 28px;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.pillar:hover { border-color: var(--ink); transform: translateY(-2px); }
.pillar-icon {
  width: 46px; height: 46px;
  border-radius: 10px;
  background: var(--accent-soft);
  color: var(--accent);
  display: grid; place-items: center;
  margin-bottom: 18px;
}
.pillar-icon svg { width: 22px; height: 22px; }
.pillar h3 { margin-bottom: 8px; }
.pillar p { color: var(--ink-soft); margin: 0; font-size: 15px; }

/* recommendations */
.recs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.rec {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.rec-header {
  padding: 20px 24px;
  border-bottom: 1px solid var(--line-soft);
  background: linear-gradient(180deg, #fbf6e8, transparent);
}
.rec-tag {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-warm);
  margin-bottom: 6px;
}
.rec h3 { font-size: 20px; margin-bottom: 4px; }
.rec-issuer { color: var(--ink-soft); font-size: 14px; }
.rec-body { padding: 20px 24px; flex: 1; }
.rec-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 16px; font-size: 14px; margin-bottom: 16px; }
.rec-stats dt { color: var(--ink-soft); font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; }
.rec-stats dd { margin: 0 0 6px; font-weight: 500; }
.rec ul { margin: 0; padding: 0 0 0 18px; color: var(--ink-soft); font-size: 14.5px; }
.rec ul li { margin-bottom: 6px; }
.rec-foot { padding: 16px 24px 22px; border-top: 1px solid var(--line-soft); display: flex; justify-content: space-between; align-items: center; }
.rec-rate { font-family: var(--serif); font-size: 18px; color: var(--ink); }
.rec-rate small { display: block; font-family: var(--sans); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-soft); font-weight: 500; }

/* editorial split */
.editorial {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.editorial-copy p { font-size: 16.5px; color: var(--ink-soft); }
.editorial-copy p + p { margin-top: 14px; }
.editorial figure {
  margin: 0;
  aspect-ratio: 4 / 5;
  border-radius: var(--r);
  background:
    linear-gradient(135deg, #f2e6c8, #d9c088);
  border: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.editorial figure::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(300px 200px at 30% 30%, rgba(255,255,255,0.5), transparent 60%),
    radial-gradient(400px 300px at 75% 75%, rgba(27, 75, 58, 0.18), transparent 60%);
}
.editorial figure figcaption {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  color: var(--ink);
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.3;
}
.editorial figure figcaption small {
  display: block;
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
  font-weight: 600;
}

/* guides list */
.guides { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.guide-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
}
.guide-item {
  padding: 26px 4px;
  border-bottom: 1px solid var(--line);
  display: grid;
  grid-template-columns: 60px 1fr auto;
  align-items: center;
  gap: 22px;
}
.guide-item:nth-child(odd) { padding-right: 32px; border-right: 1px solid var(--line); }
.guide-item:nth-child(even) { padding-left: 32px; }
.guide-num {
  font-family: var(--serif);
  font-size: 32px;
  color: var(--accent-warm);
  line-height: 1;
}
.guide-item h3 { font-size: 18px; margin-bottom: 2px; }
.guide-item p { margin: 0; font-size: 14.5px; color: var(--ink-soft); }
.guide-arrow { color: var(--ink-soft); font-size: 22px; }
.guide-item:hover .guide-arrow { color: var(--accent-warm); transform: translateX(3px); transition: 0.15s; }

/* newsletter */
.newsletter {
  background: var(--ink);
  color: #eef1f5;
  text-align: center;
}
.newsletter h2 { color: #fff8ec; }
.newsletter h2 em { color: #d9b06f; }
.newsletter p { color: #b6bcc5; max-width: 520px; margin: 0 auto 28px; }
.newsletter form { display: flex; gap: 10px; max-width: 460px; margin: 0 auto; }
.newsletter input {
  flex: 1;
  padding: 13px 16px;
  border-radius: 8px;
  border: 1px solid #2c313e;
  background: #10131a;
  color: #fff;
  font-family: inherit;
  font-size: 15px;
}
.newsletter input:focus { outline: 2px solid var(--gold); outline-offset: 1px; }
.newsletter button {
  background: var(--gold);
  color: #1a1a1a;
  border: 0;
  padding: 13px 22px;
  border-radius: 8px;
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
}
.newsletter button:hover { background: #c7a04c; }

/* footer */
footer {
  padding: 42px 0 32px;
  color: var(--ink-soft);
  font-size: 13.5px;
  border-top: 1px solid var(--line);
}
footer .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.foot-links { display: flex; gap: 22px; }
.foot-links a { color: var(--ink-soft); }
.disclosure {
  font-size: 12px;
  color: var(--ink-soft);
  text-align: center;
  padding: 20px;
  border-top: 1px solid var(--line-soft);
  background: var(--bg);
}

/* ---------- responsive ---------- */

@media (max-width: 900px) {
  h1 { font-size: 40px; }
  h2 { font-size: 28px; }
  section { padding: 56px 0; }
  .hero { padding: 64px 0 56px; }
  .hero-grid, .editorial { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { aspect-ratio: 3 / 2; min-height: 260px; }
  .pillars, .recs { grid-template-columns: 1fr; }
  .guide-list { grid-template-columns: 1fr; }
  .guide-item:nth-child(odd), .guide-item:nth-child(even) { padding: 24px 4px; border-right: 0; }
  .nav-links { display: none; }
  .card { width: 320px; }
  .card.warm { transform: rotate(4deg) translate(40px, 30px); }
}

@media (max-width: 480px) {
  .newsletter form { flex-direction: column; }
  h1 { font-size: 34px; }
  .brand span:last-child { display: none; }
}