/* ============================================================
   VatVolt — premium fintech design system
   Light theme · deep-navy chrome · amber accent · zero external
   requests (system font stack only). Every class is vv-prefixed
   so tool pages' inline <style> blocks never clash.
   ============================================================ */

:root {
  --vv-navy-950: #0d1526;
  --vv-navy-900: #16213e;
  --vv-navy-800: #1e2c4e;
  --vv-navy-700: #2a3c66;
  --vv-gold-500: #f5a623;
  --vv-gold-600: #dd8f0e;
  --vv-gold-soft: #fdf3e0;
  --vv-bg: #f7f9fc;
  --vv-surface: #ffffff;
  --vv-ink: #152238;
  --vv-muted: #5b6b85;
  --vv-faint: #8b98ae;
  --vv-border: #e3e9f2;
  --vv-radius: 16px;
  --vv-radius-sm: 12px;
  --vv-shadow-sm: 0 1px 2px rgba(13, 21, 38, 0.05), 0 2px 8px rgba(13, 21, 38, 0.06);
  --vv-shadow-md: 0 4px 12px rgba(13, 21, 38, 0.08), 0 12px 32px rgba(13, 21, 38, 0.10);
  --vv-shadow-gold: 0 8px 24px rgba(245, 166, 35, 0.35);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  background: var(--vv-bg);
  color: var(--vv-ink);
  line-height: 1.65;
  -webkit-text-size-adjust: 100%;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--vv-navy-700); }
a:hover { color: var(--vv-gold-600); }

img, svg { max-width: 100%; }

:focus-visible {
  outline: 3px solid var(--vv-gold-500);
  outline-offset: 2px;
  border-radius: 4px;
}

.vv-wrap {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ---------------- Header ---------------- */
.vv-header {
  background: linear-gradient(180deg, var(--vv-navy-900), var(--vv-navy-950));
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 16px rgba(13, 21, 38, 0.35);
}
.vv-header .vv-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
  flex-wrap: wrap;
}
.vv-brand {
  font-size: 1.45rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #fff;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.vv-brand::before {
  content: "◈";
  color: var(--vv-gold-500);
  font-size: 1.1rem;
}
.vv-brand:hover { color: var(--vv-gold-500); }
.vv-brand img { height: 34px; width: auto; display: block; }
.vv-brand:has(img)::before { content: none; }
.vv-nav { display: flex; gap: 0.25rem; flex-wrap: wrap; }
.vv-nav a {
  color: #c3cede;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.85rem;
  border-radius: 999px;
  transition: background 0.15s ease, color 0.15s ease;
}
.vv-nav a:hover {
  color: #fff;
  background: rgba(255, 255, 255, 0.10);
}

/* ---------------- Hero ---------------- */
.vv-hero {
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(245, 166, 35, 0.22), transparent 60%),
    radial-gradient(700px 380px at 8% 110%, rgba(42, 60, 102, 0.9), transparent 60%),
    linear-gradient(135deg, var(--vv-navy-900) 0%, var(--vv-navy-950) 100%);
  color: #fff;
  padding: 4.5rem 0 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.vv-hero-badge {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--vv-navy-950);
  background: var(--vv-gold-500);
  border-radius: 999px;
  padding: 0.35rem 1rem;
  margin-bottom: 1.25rem;
  box-shadow: var(--vv-shadow-gold);
}
.vv-hero h1 {
  margin: 0 0 1rem;
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1.15;
  letter-spacing: -0.025em;
  font-weight: 800;
}
.vv-hero h1 .vv-highlight {
  color: var(--vv-gold-500);
}
.vv-hero p {
  margin: 0 auto 1.75rem;
  max-width: 660px;
  font-size: 1.1rem;
  color: #d4dce9;
}
.vv-hero-actions {
  display: flex;
  gap: 0.9rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* ---------------- Sections ---------------- */
.vv-section { padding: 3.25rem 0; }
.vv-section-alt {
  background: var(--vv-surface);
  border-top: 1px solid var(--vv-border);
  border-bottom: 1px solid var(--vv-border);
}
.vv-kicker {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--vv-gold-600);
  margin-bottom: 0.6rem;
}
.vv-section h2 {
  font-size: clamp(1.45rem, 3vw, 1.9rem);
  margin: 0 0 0.6rem;
  letter-spacing: -0.02em;
  font-weight: 800;
}
.vv-lead { color: var(--vv-muted); margin: 0 0 2rem; max-width: 720px; font-size: 1.03rem; }
.vv-section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.vv-section-head h2 { margin: 0; }
.vv-section-head .vv-lead { margin: 0.4rem 0 0; }

/* ---------------- Cards / grid ---------------- */
.vv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(290px, 1fr));
  gap: 1.4rem;
}
.vv-card {
  background: var(--vv-surface);
  border: 1px solid var(--vv-border);
  border-radius: var(--vv-radius);
  padding: 1.6rem;
  display: flex;
  flex-direction: column;
  box-shadow: var(--vv-shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
  position: relative;
  overflow: hidden;
}
.vv-card::after {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--vv-gold-500), var(--vv-navy-700));
  opacity: 0;
  transition: opacity 0.2s ease;
}
.vv-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--vv-shadow-md);
  border-color: #cfdaea;
}
.vv-card:hover::after { opacity: 1; }
.vv-card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--vv-navy-900);
  background: linear-gradient(135deg, var(--vv-gold-soft), #fbe7bd);
  border: 1px solid #f3dcae;
  margin-bottom: 1rem;
}
.vv-card h3 { margin: 0 0 0.55rem; font-size: 1.1rem; letter-spacing: -0.01em; }
.vv-card h3 a { color: var(--vv-ink); text-decoration: none; }
.vv-card h3 a::after {
  content: "";
  position: absolute;
  inset: 0;
}
.vv-card h3 a:hover { color: var(--vv-navy-700); }
.vv-card p { margin: 0 0 1.1rem; color: var(--vv-muted); font-size: 0.95rem; flex: 1; }
.vv-card .vv-flag {
  display: inline-block;
  align-self: flex-start;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: #fff;
  background: linear-gradient(135deg, var(--vv-navy-700), var(--vv-navy-900));
  border-radius: 999px;
  padding: 0.25rem 0.75rem;
  margin-bottom: 0.85rem;
}
.vv-card-link {
  font-weight: 700;
  font-size: 0.93rem;
  color: var(--vv-gold-600);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.vv-card-link:hover { color: var(--vv-navy-900); }

/* ---------------- Buttons ---------------- */
.vv-btn {
  display: inline-block;
  background: linear-gradient(180deg, var(--vv-gold-500), var(--vv-gold-600));
  color: var(--vv-navy-950);
  text-decoration: none;
  font-weight: 800;
  padding: 0.85rem 1.7rem;
  border-radius: 12px;
  border: 0;
  cursor: pointer;
  font-size: 1rem;
  box-shadow: var(--vv-shadow-gold);
  transition: transform 0.15s ease, box-shadow 0.15s ease, filter 0.15s ease;
}
.vv-btn:hover {
  color: var(--vv-navy-950);
  filter: brightness(1.05);
  transform: translateY(-2px);
}
.vv-btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.55);
  box-shadow: none;
}
.vv-btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
  color: #fff;
  transform: translateY(-2px);
}
.vv-btn-navy {
  background: linear-gradient(180deg, var(--vv-navy-700), var(--vv-navy-900));
  color: #fff;
  box-shadow: var(--vv-shadow-sm);
}
.vv-btn-navy:hover { color: #fff; filter: brightness(1.12); }

/* ---------------- Trust strip ---------------- */
.vv-trust {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 1.2rem;
}
.vv-trust-item {
  background: var(--vv-surface);
  border: 1px solid var(--vv-border);
  border-radius: var(--vv-radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--vv-shadow-sm);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.vv-trust-item:hover { transform: translateY(-4px); box-shadow: var(--vv-shadow-md); }
.vv-trust-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--vv-navy-900);
  color: var(--vv-gold-500);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 0.9rem;
}
.vv-trust-item strong { display: block; font-size: 1.02rem; margin-bottom: 0.3rem; letter-spacing: -0.01em; }
.vv-trust-item span { color: var(--vv-muted); font-size: 0.93rem; }

/* ---------------- Guides list (homepage) ---------------- */
.vv-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.8rem; }
.vv-list li {
  background: var(--vv-surface);
  border: 1px solid var(--vv-border);
  border-radius: var(--vv-radius-sm);
  box-shadow: var(--vv-shadow-sm);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.vv-list li:hover { transform: translateX(4px); box-shadow: var(--vv-shadow-md); }
.vv-list li a {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.25rem;
  color: var(--vv-ink);
  text-decoration: none;
}
.vv-list-num {
  flex: 0 0 auto;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--vv-gold-soft);
  color: var(--vv-gold-600);
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
}
.vv-list-text strong { display: block; font-size: 1rem; letter-spacing: -0.01em; }
.vv-list-text span { display: block; font-weight: 400; color: var(--vv-muted); font-size: 0.9rem; }
.vv-list-arrow { margin-left: auto; color: var(--vv-faint); font-weight: 800; flex: 0 0 auto; }
.vv-list li:hover .vv-list-arrow { color: var(--vv-gold-600); }

/* ---------------- Prose (about / legal / contact / articles) ---------------- */
.vv-prose {
  max-width: 780px;
  background: var(--vv-surface);
  border: 1px solid var(--vv-border);
  border-radius: var(--vv-radius);
  padding: 2.5rem;
  box-shadow: var(--vv-shadow-sm);
}
.vv-prose h1 { margin-top: 0; font-size: clamp(1.6rem, 4vw, 2.1rem); letter-spacing: -0.02em; line-height: 1.2; }
.vv-prose h2 { font-size: 1.3rem; margin-top: 2rem; letter-spacing: -0.01em; }
.vv-prose h3 { font-size: 1.1rem; margin-top: 1.5rem; }
.vv-prose .vv-updated { color: var(--vv-faint); font-size: 0.88rem; }
.vv-prose blockquote, .vv-prose .vv-callout {
  background: var(--vv-gold-soft);
  border-left: 4px solid var(--vv-gold-500);
  border-radius: 0 10px 10px 0;
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: 0.96rem;
}

/* ---------------- Related (tool pages) ---------------- */
.vv-related {
  background: var(--vv-surface);
  border: 1px solid var(--vv-border);
  border-radius: var(--vv-radius);
  padding: 1.75rem;
  margin: 2.5rem 0;
  box-shadow: var(--vv-shadow-sm);
}
.vv-related h2 { font-size: 1.2rem; margin: 0 0 1rem; }
.vv-related ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.6rem; }
.vv-related a { font-weight: 600; text-decoration: none; }
.vv-related a:hover { text-decoration: underline; }

/* ---------------- Forms ---------------- */
.vv-form { display: grid; gap: 1.1rem; margin-top: 1.5rem; }
.vv-field label { display: block; font-weight: 700; margin-bottom: 0.4rem; font-size: 0.95rem; }
.vv-field input,
.vv-field textarea {
  width: 100%;
  padding: 0.8rem 0.95rem;
  border: 1.5px solid var(--vv-border);
  border-radius: 10px;
  font: inherit;
  background: #fff;
  color: var(--vv-ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.vv-field input:focus,
.vv-field textarea:focus {
  outline: none;
  border-color: var(--vv-gold-500);
  box-shadow: 0 0 0 3px rgba(245, 166, 35, 0.25);
}
.vv-note {
  background: var(--vv-gold-soft);
  border-left: 4px solid var(--vv-gold-500);
  padding: 1rem 1.2rem;
  border-radius: 0 10px 10px 0;
  color: var(--vv-ink);
  font-size: 0.95rem;
}

/* ---------------- CTA band ---------------- */
.vv-cta {
  background: linear-gradient(135deg, var(--vv-navy-800), var(--vv-navy-950));
  border-radius: var(--vv-radius);
  padding: 3rem 2rem;
  text-align: center;
  color: #fff;
  box-shadow: var(--vv-shadow-md);
  position: relative;
  overflow: hidden;
}
.vv-cta::before {
  content: "";
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245,166,35,0.35), transparent 70%);
}
.vv-cta h2 { color: #fff; margin: 0 0 0.75rem; }
.vv-cta p { color: #c3cede; max-width: 560px; margin: 0 auto 1.75rem; }

/* ---------------- Footer ---------------- */
.vv-footer {
  background: linear-gradient(180deg, var(--vv-navy-900), var(--vv-navy-950));
  color: #aeb9cd;
  margin-top: 0;
  padding: 3rem 0 2rem;
  border-top: 3px solid var(--vv-gold-500);
}
.vv-footer a { color: #d8e0ef; text-decoration: none; font-weight: 600; }
.vv-footer a:hover { color: var(--vv-gold-500); text-decoration: underline; }
.vv-footer p { margin: 0.45rem 0; font-size: 0.93rem; }
.vv-fineprint { font-size: 0.82rem; color: #7c8aa3; }

/* ---------------- Page top spacing ---------------- */
.vv-page-head { padding: 3rem 0 0.5rem; }
.vv-page-head h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); letter-spacing: -0.02em; margin: 0 0 0.6rem; }
.vv-page-head .vv-lead { margin-bottom: 0; }

/* ---------------- Responsive ---------------- */
@media (max-width: 700px) {
  .vv-hero { padding: 3rem 0 2.75rem; }
  .vv-section { padding: 2.25rem 0; }
  .vv-grid { grid-template-columns: 1fr; }
  .vv-prose { padding: 1.5rem; }
  .vv-cta { padding: 2.25rem 1.4rem; }
  .vv-nav a { padding: 0.45rem 0.7rem; font-size: 0.9rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; }
}