/* MoneyNest HK — navy × HK-red × gold
   Display: DM Serif Display | Body: Inter
   Signature: HKD Pulse ticker bar (Bloomberg-style) */
:root {
  --navy:   #0A1628;
  --navy2:  #112040;
  --red:    #E8192C;
  --gold:   #C9962A;
  --gold-lt:#F5E6B8;
  --white:  #FFFFFF;
  --slate:  #F0F4FA;
  --muted:  #64748B;
  --ink:    #1E293B;
  --border: #DDE4EF;
  --disp:   'DM Serif Display', Georgia, serif;
  --body:   'Inter', system-ui, sans-serif;
  --maxw:   1100px;
  --r:      12px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--body);
  font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--disp);font-weight:400;line-height:1.2;margin:0;color:var(--navy)}
img{max-width:100%;height:auto;display:block}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:var(--navy);color:#fff;padding:10px 14px;border-radius:8px;z-index:60}
:focus-visible{outline:2px solid var(--red);outline-offset:3px;border-radius:4px}

/* ===== HKD TICKER ===== */
.ticker{background:var(--navy);border-bottom:1px solid #1e3a5f;overflow:hidden;height:36px;display:flex;align-items:center}
.ticker-inner{display:flex;align-items:center;width:100%;overflow:hidden}
.ticker-label{flex:none;background:var(--red);color:#fff;font-family:var(--body);font-weight:700;
  font-size:.68rem;letter-spacing:.12em;padding:0 14px;height:36px;display:flex;align-items:center;white-space:nowrap;z-index:2}
.ticker-track{display:flex;gap:0;white-space:nowrap;animation:scroll-ticker 38s linear infinite}
@keyframes scroll-ticker{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
.tick{display:inline-flex;align-items:center;gap:8px;padding:0 22px;border-right:1px solid #1e3a5f;font-size:.75rem;font-family:var(--body)}
.pair{color:#94a3b8;font-weight:600;letter-spacing:.04em}
.rate{color:var(--white);font-weight:700;font-variant-numeric:tabular-nums}
.rate.up{color:#34d399}.rate.dn{color:#f87171}
.chg{font-size:.68rem;color:#94a3b8}

/* ===== HEADER ===== */
.site-head{position:sticky;top:0;z-index:40;background:var(--navy);border-bottom:1px solid #1e3a5f}
.head-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none}
.brand:hover{text-decoration:none}
.brand-text{font-family:var(--disp);font-size:1.35rem;color:var(--white);letter-spacing:-.01em}
.brand-hk{color:var(--gold)}
.site-nav{display:flex;gap:4px}
.site-nav a{color:#94a3b8;font-size:.92rem;font-weight:500;padding:8px 14px;border-radius:8px;transition:color .15s,background .15s}
.site-nav a:hover{color:#fff;background:#1e3a5f;text-decoration:none}

/* ===== HERO ===== */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,#0e2a4a 100%);
  padding:72px 0 64px;overflow:hidden;position:relative}
.hero::after{content:"";position:absolute;right:-80px;top:-60px;width:500px;height:500px;
  background:radial-gradient(circle,rgba(200,150,42,.12) 0%,transparent 70%);pointer-events:none}
.hero-inner{display:grid;grid-template-columns:1fr 420px;gap:48px;align-items:center}
.hero-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(232,25,44,.15);
  border:1px solid rgba(232,25,44,.3);border-radius:999px;padding:6px 14px;
  color:var(--red);font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:20px}
.hero-kicker span{width:6px;height:6px;background:var(--red);border-radius:50%;animation:pulse 2s ease infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.7)}}
.hero h1{font-size:clamp(2.2rem,4.5vw,3.4rem);color:var(--white);line-height:1.1;margin-bottom:18px}
.hero h1 em{color:var(--gold);font-style:normal}
.hero-sub{color:#94a3b8;font-size:1.08rem;max-width:48ch;margin-bottom:32px}
.hero-cta{display:inline-flex;align-items:center;gap:10px;background:var(--red);color:#fff;
  font-weight:600;font-size:1rem;padding:14px 26px;border-radius:var(--r);transition:background .15s,transform .15s}
.hero-cta:hover{background:#c8111f;transform:translateY(-1px);text-decoration:none}
.hero-stats{display:flex;gap:28px;margin-top:36px;padding-top:28px;border-top:1px solid #1e3a5f}
.hstat{display:flex;flex-direction:column}
.hstat .n{font-family:var(--disp);font-size:1.9rem;color:var(--gold);line-height:1}
.hstat .l{font-size:.78rem;color:#64748b;margin-top:4px;font-weight:500}

/* hero card panel */
.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:16px;
  padding:28px;backdrop-filter:blur(8px)}
.hero-card h3{color:var(--gold);font-size:1rem;font-family:var(--body);font-weight:600;
  letter-spacing:.06em;text-transform:uppercase;margin-bottom:18px}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;
  border-bottom:1px solid rgba(255,255,255,.07)}
.rate-row:last-child{border-bottom:none}
.rate-row .lbl{color:#94a3b8;font-size:.88rem;font-weight:500}
.rate-row .val{color:#fff;font-weight:700;font-variant-numeric:tabular-nums}
.rate-row .chng{font-size:.75rem;padding:2px 7px;border-radius:4px;font-weight:600}
.chng.up{background:rgba(52,211,153,.15);color:#34d399}
.chng.dn{background:rgba(248,113,113,.15);color:#f87171}

/* ===== CATEGORY PILLS ===== */
.cat-bar{display:flex;gap:8px;flex-wrap:wrap;margin:36px 0 24px}
.cat-pill{background:var(--slate);color:var(--ink);font-size:.82rem;font-weight:600;
  padding:7px 16px;border-radius:999px;border:1.5px solid var(--border);transition:all .15s}
.cat-pill:hover,.cat-pill.active{background:var(--navy);color:#fff;border-color:var(--navy);text-decoration:none}

/* ===== SECTION HEADS ===== */
.sec-head{margin:52px 0 28px}
.sec-head h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:6px}
.sec-head p{color:var(--muted);margin:0;font-size:1rem}
.sec-head .rule{width:48px;height:3px;background:var(--red);border-radius:2px;margin-top:14px}

/* ===== ARTICLE GRID ===== */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px}
.acard{display:flex;flex-direction:column;border:1.5px solid var(--border);border-radius:var(--r);
  background:#fff;overflow:hidden;transition:box-shadow .18s,transform .18s;text-decoration:none;color:inherit}
.acard:hover{box-shadow:0 8px 32px rgba(10,22,40,.12);transform:translateY(-3px);text-decoration:none}
.acard-top{background:var(--slate);padding:20px 22px 16px;border-bottom:1.5px solid var(--border)}
.acard-cat{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:8px}
.acard-top h3{font-size:1.18rem;color:var(--navy);line-height:1.3}
.acard-body{padding:18px 22px 20px;flex:1;display:flex;flex-direction:column}
.acard-body p{margin:0 0 auto;color:var(--muted);font-size:.93rem;line-height:1.55}
.acard-meta{display:flex;gap:14px;align-items:center;margin-top:16px;padding-top:14px;
  border-top:1px solid var(--border);font-size:.78rem;color:var(--muted);font-weight:500}
.acard-meta .dot{width:3px;height:3px;background:var(--border);border-radius:50%}

/* ===== ARTICLE PAGE ===== */
.article-wrap{display:grid;grid-template-columns:1fr 300px;gap:48px;align-items:start;padding:48px 0 64px}
.article-head{margin-bottom:32px}
.article-head .cat{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.article-head h1{font-size:clamp(1.9rem,4vw,2.9rem);color:var(--navy);margin-bottom:16px}
.article-meta{display:flex;gap:16px;color:var(--muted);font-size:.85rem;font-weight:500;
  padding-bottom:24px;border-bottom:2px solid var(--border)}
.article-body{font-size:1.05rem;line-height:1.8}
.article-body h2{font-size:1.6rem;color:var(--navy);margin:2em 0 .6em;padding-top:.5em;border-top:1px solid var(--border)}
.article-body h3{font-size:1.2rem;color:var(--navy);margin:1.6em 0 .5em}
.article-body p{margin:0 0 1.2em;color:#334155}
.article-body ul,.article-body ol{margin:0 0 1.2em;padding-left:1.4em}
.article-body li{margin:.4em 0;color:#334155}
.article-body strong{color:var(--navy);font-weight:600}
.article-body a{color:var(--red);text-decoration:underline}
.article-body blockquote{border-left:4px solid var(--gold);margin:1.6em 0;padding:.8em 1.2em;
  background:var(--gold-lt);border-radius:0 8px 8px 0;font-style:italic;color:#4a3800}
/* key number callout */
.article-body .callout{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px 28px;
  margin:1.8em 0;display:flex;gap:20px;align-items:flex-start}
.article-body .callout .n{font-family:var(--disp);font-size:2.2rem;color:var(--gold);flex:none;line-height:1}
.article-body .callout p{margin:0;color:#94a3b8;font-size:.95rem}

/* sidebar */
.sidebar{position:sticky;top:80px}
.sb-card{background:var(--slate);border:1.5px solid var(--border);border-radius:var(--r);padding:22px;margin-bottom:20px}
.sb-card h4{font-family:var(--body);font-weight:700;font-size:.85rem;letter-spacing:.06em;
  text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.sb-card ul{margin:0;padding:0;list-style:none}
.sb-card ul li{padding:8px 0;border-bottom:1px solid var(--border);font-size:.9rem}
.sb-card ul li:last-child{border-bottom:none}
.sb-card ul a{color:var(--ink);font-weight:500}
.sb-card ul a:hover{color:var(--red)}
.sb-disc{font-size:.75rem;color:var(--muted);background:#fff8e1;border:1px solid #ffe082;
  border-radius:8px;padding:12px 14px;margin-top:16px;line-height:1.5}

/* ===== PROSE PAGES ===== */
.page{max-width:740px;margin:0 auto;padding:48px 22px 64px}
.page h1{font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:.4em}
.page .updated{color:var(--muted);font-size:.85rem;margin-bottom:32px}
.page .prose{font-size:1.02rem;line-height:1.8;color:#334155}
.prose h2{font-family:var(--disp);font-size:1.4rem;color:var(--navy);margin:2em 0 .5em}
.prose p{margin:0 0 1.1em}.prose ul{margin:0 0 1.1em;padding-left:1.4em}
.prose li{margin:.35em 0}.prose a{color:var(--red);text-decoration:underline}
.prose strong{color:var(--navy)}

/* ===== ALL GUIDES PAGE ===== */
.guides-hero{background:var(--navy);padding:48px 0 40px}
.guides-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.8rem)}
.guides-hero p{color:#94a3b8;margin-top:10px;font-size:1rem}

/* ===== AD SLOTS ===== */
.ad-slot{margin:32px auto;max-width:728px;min-height:0;text-align:center}

/* ===== FOOTER ===== */
.site-foot{background:var(--navy);padding:56px 0 0;margin-top:72px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;padding-bottom:40px;
  border-bottom:1px solid #1e3a5f}
.foot-tagline{color:#64748b;font-size:.88rem;margin-top:12px;line-height:1.55;max-width:26ch}
.foot-nav h3{font-family:var(--body);font-weight:700;font-size:.75rem;letter-spacing:.1em;
  text-transform:uppercase;color:#64748b;margin-bottom:14px}
.foot-nav a{display:block;color:#94a3b8;font-size:.9rem;padding:4px 0;transition:color .13s}
.foot-nav a:hover{color:#fff;text-decoration:none}
.foot-bottom{padding:22px 0;display:flex;flex-direction:column;gap:6px}
.foot-bottom p{margin:0;color:#475569;font-size:.8rem}
.foot-disc{font-size:.75rem!important;color:#374151!important;font-style:italic}

/* ===== UTILS ===== */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff;
  font-weight:600;font-size:.95rem;padding:12px 22px;border-radius:var(--r);transition:background .15s}
.btn:hover{background:#c8111f;text-decoration:none}
.btn.ghost{background:transparent;border:1.5px solid var(--red);color:var(--red)}
.btn.ghost:hover{background:var(--red);color:#fff}
.tag{display:inline-block;background:var(--gold-lt);color:#7a5c00;font-size:.72rem;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:4px}

@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr}
  .hero-card{display:none}
  .article-wrap{grid-template-columns:1fr}
  .sidebar{display:none}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  body{font-size:16px}
  .hero{padding:48px 0 40px}
  .foot-grid{grid-template-columns:1fr}
  .ticker-label{display:none}
  .hero-stats{gap:20px}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
}