/* ============================================================
   RateGenius vs Crelan Bank — Educational comparison
   Clean · professional · minimalist · white
   Domain: ratgenius.info
   ============================================================ */

:root {
  --bg: #ffffff;
  --soft: #f7f8fa;        /* alternating section */
  --ink: #0f172a;         /* slate-900 */
  --body: #475569;        /* slate-600 */
  --muted: #94a3b8;       /* slate-400 */
  --line: #e8ebf0;        /* hairline */
  --line-2: #dfe3ea;

  --blue: #2563eb;
  --blue-soft: #eff4ff;
  --green: #0f9d6e;
  --green-soft: #ecf8f3;

  --radius: 16px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.04), 0 1px 3px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 8px 24px rgba(15, 23, 42, 0.07);
  --shadow-lg: 0 18px 48px rgba(15, 23, 42, 0.10);

  --wrap: 1080px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);

  --display: "Schibsted Grotesk", system-ui, sans-serif;
  --text: "Hanken Grotesk", system-ui, sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 88px; }

body {
  font-family: var(--text);
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3 { font-family: var(--display); color: var(--ink); line-height: 1.12; letter-spacing: -0.025em; font-weight: 700; }

a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.wrap--narrow { max-width: 760px; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--display);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 24px;
  border-radius: 11px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease),
    background 0.2s var(--ease), color 0.2s var(--ease), border-color 0.2s var(--ease);
}
.btn-sm { padding: 9px 18px; font-size: 0.88rem; border-radius: 9px; }

.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 4px 12px rgba(37, 99, 235, 0.22); }
.btn-primary:hover { background: #1d4ed8; transform: translateY(-2px); box-shadow: 0 8px 20px rgba(37, 99, 235, 0.28); }

.btn-ghost { background: #fff; color: var(--ink); border-color: var(--line-2); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow-sm); }

.btn-light { background: #fff; color: var(--blue); box-shadow: 0 6px 18px rgba(0,0,0,0.14); }
.btn-light:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(0,0,0,0.2); }

/* ============ NAV ============ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.nav.scrolled { border-color: var(--line); box-shadow: var(--shadow-sm); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }

.brand { display: inline-flex; align-items: center; gap: 9px; font-family: var(--display); font-weight: 700; font-size: 1.12rem; color: var(--ink); }
.brand-dot { width: 11px; height: 11px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--green)); }
.brand-tld { color: var(--muted); font-weight: 500; }
.brand--light { color: #fff; }
.brand--light .brand-tld { color: #8a93a8; }

.nav-links { display: flex; gap: 30px; margin-left: auto; margin-right: 26px; }
.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--body);
  position: relative;
  padding: 6px 0;
  transition: color 0.2s var(--ease);
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; bottom: -1px;
  width: 0; height: 2px; border-radius: 2px; background: var(--blue);
  transition: width 0.25s var(--ease);
}
.nav-links a:hover { color: var(--ink); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-links a.active { color: var(--ink); }

.burger { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 6px; }
.burger span { width: 23px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform 0.3s var(--ease), opacity 0.3s var(--ease); }
.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============ HERO ============ */
.hero { padding: 84px 0 72px; }
.hero-center { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.tag {
  display: inline-block;
  font-family: var(--display);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--blue);
  background: var(--blue-soft);
  padding: 7px 15px;
  border-radius: 999px;
  margin-bottom: 24px;
}
.hero h1 { font-size: clamp(2.4rem, 6vw, 4.2rem); font-weight: 800; margin-bottom: 20px; }
.lede { font-size: clamp(1.05rem, 2vw, 1.25rem); color: var(--body); max-width: 600px; margin: 0 auto 32px; }
.hero-actions { display: flex; gap: 13px; justify-content: center; flex-wrap: wrap; }
.hero-note { font-size: 0.84rem; color: var(--muted); max-width: 520px; margin: 28px auto 0; }

.hero-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; max-width: 860px; margin: 0 auto; }
.snap {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px 28px 30px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s var(--ease);
}
.snap:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.snap-rg:hover { border-color: #bcd0ff; }
.snap-cr:hover { border-color: #b6e6d4; }
.snap ul { display: grid; gap: 11px; margin-top: 20px; }
.snap li { position: relative; padding-left: 24px; font-size: 0.96rem; color: var(--body); }
.snap li::before { content: ""; position: absolute; left: 0; top: 9px; width: 8px; height: 8px; border-radius: 50%; }
.snap-rg li::before { background: var(--blue); }
.snap-cr li::before { background: var(--green); }

/* logo placeholder boxes */
.logo-box {
  display: inline-flex;
  align-items: center;
  font-family: var(--display);
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: -0.01em;
  padding: 9px 16px;
  border-radius: 10px;
}
.logo-rg { color: var(--blue); background: var(--blue-soft); }
.logo-cr { color: var(--green); background: var(--green-soft); }

/* ============ DISCLAIMER BAR ============ */
.disclaimer-bar { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.disclaimer-bar .wrap {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  text-align: center; font-size: 0.9rem; font-weight: 500; color: var(--body);
  padding: 14px 24px;
}
.dot-i {
  flex: none; display: grid; place-items: center;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--blue); color: #fff;
  font-family: var(--display); font-size: 0.7rem; font-weight: 700; font-style: italic;
}

/* ============ SECTIONS ============ */
.section { padding: 88px 0; }
.section--soft { background: var(--soft); }
.sec-head { text-align: center; max-width: 600px; margin: 0 auto 52px; }
.eyebrow {
  display: inline-block;
  font-family: var(--display);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 14px;
}
.eyebrow--center { color: var(--green); }
.sec-head h2 { font-size: clamp(1.8rem, 4vw, 2.7rem); font-weight: 800; margin-bottom: 12px; }
.sec-head p { font-size: 1.08rem; color: var(--body); }

/* ============ COMPARISON TABLE ============ */
.table-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.ctable { width: 100%; border-collapse: collapse; }
.ctable th, .ctable td { padding: 17px 24px; text-align: left; font-size: 0.97rem; vertical-align: top; }
.ctable thead th {
  font-family: var(--display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--ink);
  background: var(--soft);
  border-bottom: 1px solid var(--line);
}
.ctable thead th:first-child { color: var(--muted); font-weight: 600; }
.th-rg { color: var(--blue) !important; }
.th-cr { color: var(--green) !important; }
.ctable tbody tr { border-bottom: 1px solid var(--line); transition: background 0.18s var(--ease); }
.ctable tbody tr:last-child { border-bottom: 0; }
.ctable tbody tr:hover { background: #fafbfd; }
.ctable td:first-child { font-family: var(--display); font-weight: 600; color: var(--ink); }

/* ============ TWO-COLUMN CARDS ============ */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.card h3 { font-size: 1.3rem; margin: 18px 0 22px; }

.steps { display: grid; gap: 14px; }
.steps li { display: flex; align-items: flex-start; gap: 15px; font-size: 0.99rem; color: var(--body); }
.steps li span {
  flex: none; display: grid; place-items: center;
  width: 30px; height: 30px; border-radius: 9px;
  font-family: var(--display); font-weight: 700; font-size: 0.9rem; color: #fff;
}
.steps-rg li span { background: var(--blue); }
.steps-cr li span { background: var(--green); }

.checks { display: grid; gap: 13px; margin-top: 22px; }
.checks li { position: relative; padding-left: 32px; font-size: 1rem; color: var(--body); }
.checks li::before {
  content: "✓"; position: absolute; left: 0; top: 1px;
  display: grid; place-items: center;
  width: 22px; height: 22px; border-radius: 7px;
  font-size: 0.74rem; font-weight: 700; color: #fff;
}
.checks-rg li::before { background: var(--blue); }
.checks-cr li::before { background: var(--green); }

/* ============ INSIGHT ============ */
.insight {
  max-width: 780px; margin: 0 auto; text-align: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 48px 44px;
  box-shadow: var(--shadow-sm);
}
.insight-text { font-size: clamp(1.1rem, 2.2vw, 1.4rem); color: var(--ink); line-height: 1.5; font-weight: 400; }
.insight-text strong { font-weight: 700; color: var(--blue); }
.pills { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }
.pill { font-family: var(--display); font-weight: 500; font-size: 0.85rem; padding: 8px 16px; border-radius: 999px; }
.pill-rg { background: var(--blue-soft); color: var(--blue); }
.pill-cr { background: var(--green-soft); color: var(--green); }

/* ============ CTA ============ */
.cta {
  border-radius: var(--radius-lg);
  padding: 64px 40px;
  text-align: center;
  background:
    radial-gradient(540px 280px at 15% 0%, rgba(255,255,255,0.10), transparent 60%),
    linear-gradient(135deg, #1e3a8a, #0f766e);
  color: #fff;
  box-shadow: var(--shadow-lg);
}
.cta h2 { color: #fff; font-size: clamp(1.7rem, 3.6vw, 2.6rem); margin-bottom: 14px; }
.cta p { color: rgba(255,255,255,0.9); font-size: 1.08rem; max-width: 560px; margin: 0 auto 30px; }

/* ============ FAQ ============ */
.faq { display: grid; gap: 12px; }
.faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.22s var(--ease), box-shadow 0.22s var(--ease);
}
.faq-item.open { border-color: #bcd0ff; box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 18px;
  text-align: left; background: none; border: 0; cursor: pointer; padding: 20px 22px;
  font-family: var(--display); font-weight: 600; font-size: 1.04rem; color: var(--ink);
}
.faq-icon { position: relative; flex: none; width: 18px; height: 18px; }
.faq-icon::before, .faq-icon::after {
  content: ""; position: absolute; background: var(--blue); border-radius: 2px;
  transition: transform 0.3s var(--ease);
}
.faq-icon::before { top: 8px; left: 0; width: 18px; height: 2px; }
.faq-icon::after { left: 8px; top: 0; width: 2px; height: 18px; }
.faq-item.open .faq-icon::after { transform: scaleY(0); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s var(--ease); }
.faq-a p { padding: 0 22px 22px; color: var(--body); }

/* ============ FOOTER ============ */
.footer { background: #0f172a; color: #cbd5e1; padding: 60px 0 36px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.09);
}
.footer-about p { font-size: 0.92rem; color: #93a1b8; margin: 16px 0 16px; max-width: 320px; }
.footer-about address {
  font-style: normal;
  font-size: 0.88rem;
  line-height: 1.7;
  color: #7c8aa0;
}
.footer-col h4 {
  font-family: var(--display);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 16px;
}
.footer-links { display: flex; flex-direction: column; gap: 11px; }
.footer-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: #aeb9cc;
  transition: color 0.2s var(--ease);
}
.footer-links a:hover { color: #fff; }
.footer-link-btn {
  background: none;
  border: 0;
  padding: 0;
  text-align: left;
  font-family: var(--text);
  font-size: 0.92rem;
  font-weight: 500;
  color: #aeb9cc;
  cursor: pointer;
  transition: color 0.2s var(--ease);
}
.footer-link-btn:hover { color: #fff; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  padding-top: 24px;
}
.footer-copy { font-size: 0.85rem; color: #8593a8; }
.footer-mini { font-size: 0.8rem; color: #647088; }
.footer-domain { color: #60a5fa; }
.footer-domain:hover { text-decoration: underline; }

/* ============ COOKIE CONSENT ============ */
.cookie {
  position: fixed;
  left: 50%;
  bottom: 22px;
  transform: translateX(-50%) translateY(20px);
  width: min(940px, calc(100% - 32px));
  z-index: 400;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.35s var(--ease), transform 0.35s var(--ease);
}
.cookie.show { opacity: 1; transform: translateX(-50%) translateY(0); pointer-events: auto; }
.cookie-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 18px 22px;
  flex-wrap: wrap;
}
.cookie-text strong { font-family: var(--display); color: var(--ink); font-size: 0.98rem; }
.cookie-text p { font-size: 0.88rem; color: var(--body); margin-top: 3px; max-width: 560px; }
.cookie-text a { color: var(--blue); font-weight: 600; }
.cookie-text a:hover { text-decoration: underline; }
.cookie-actions { display: flex; gap: 10px; flex: none; }

/* ============ LEGAL PAGES ============ */
.page-hero {
  background: var(--soft);
  border-bottom: 1px solid var(--line);
  padding: 56px 0 48px;
}
.page-hero .eyebrow { display: inline-block; }
.page-hero h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; margin-bottom: 10px; }
.page-hero p { color: var(--body); max-width: 640px; }
.page-updated { font-size: 0.85rem; color: var(--muted); margin-top: 14px; }

.legal { padding: 60px 0 84px; }
.legal-body { max-width: 760px; }
.legal-body h2 {
  font-size: 1.35rem;
  font-weight: 700;
  margin: 38px 0 12px;
  padding-top: 8px;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body p, .legal-body li { font-size: 1rem; color: var(--body); }
.legal-body p { margin-bottom: 14px; }
.legal-body ul { list-style: disc; padding-left: 22px; margin: 0 0 16px; display: grid; gap: 8px; }
.legal-body a { color: var(--blue); font-weight: 600; }
.legal-body a:hover { text-decoration: underline; }
.legal-callout {
  background: var(--blue-soft);
  border: 1px solid #d6e4ff;
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 24px 0;
  font-size: 0.95rem;
  color: var(--ink);
}
.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 36px;
  font-family: var(--display);
  font-weight: 600;
  color: var(--blue);
}
.legal-back:hover { text-decoration: underline; }

/* ============ MOTION ============ */
[data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
[data-reveal].in { opacity: 1; transform: translateY(0); }

/* ============ RESPONSIVE ============ */
@media (max-width: 820px) {
  .hero-cards, .two-col { grid-template-columns: 1fr; }
  .hero { padding: 56px 0 56px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .footer-about { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  .nav-cta { display: none; }
  .burger { display: flex; }
  .nav-links {
    position: absolute; top: 68px; left: 0; right: 0;
    flex-direction: column; gap: 0; margin: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
    max-height: 0; overflow: hidden; transition: max-height 0.35s var(--ease);
  }
  .nav-links.open { max-height: 320px; }
  .nav-links a { padding: 16px 24px; border-bottom: 1px solid var(--line); }
  .nav-links a::after { display: none; }

  .section { padding: 60px 0; }
  .cta { padding: 48px 26px; }

  /* table -> stacked */
  .ctable thead { display: none; }
  .ctable, .ctable tbody, .ctable tr, .ctable td { display: block; width: 100%; }
  .table-card { border: 0; box-shadow: none; background: transparent; }
  .ctable tr { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; }
  .ctable td { display: flex; justify-content: space-between; gap: 16px; padding: 13px 18px; border-bottom: 1px solid var(--line); }
  .ctable td:last-child { border-bottom: 0; }
  .ctable td::before { content: attr(data-label); font-family: var(--display); font-weight: 600; color: var(--muted); flex: none; }
  .ctable td:first-child { background: var(--soft); font-size: 1.02rem; }
  .ctable td:first-child::before { display: none; }
}

@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; gap: 26px; }
  .cookie-inner { flex-direction: column; align-items: flex-start; }
  .cookie-actions { width: 100%; }
  .cookie-actions .btn { flex: 1; }
}

@media (max-width: 440px) {
  .hero-actions .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  [data-reveal] { opacity: 1 !important; transform: none !important; }
}