*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}

/* ── THEMES ── */
:root,[data-theme="light"]{
  --white:#ffffff;--bg:#f5f5f7;--bg2:#e8e8ed;
  --ink:#1d1d1f;--ink2:#6e6e73;--ink3:#aeaeb2;
  --blue:#0071e3;--blue-h:#0077ed;--blue-l:#e8f1fd;
  --green:#1a7f37;--border:#d2d2d7;--border2:#e8e8ed;
  --card-bg:#f5f5f7;--nav-bg:rgba(255,255,255,.88);
  --sh-s:0 1px 3px rgba(0,0,0,.07),0 4px 14px rgba(0,0,0,.07);
  --sh-m:0 4px 20px rgba(0,0,0,.08),0 16px 48px rgba(0,0,0,.1);
  --r-sm:10px;--r-md:16px;--r-lg:20px;--r-xl:28px;--pill:980px;
}
[data-theme="dark"]{
  --white:#1c1c1e;--bg:#2c2c2e;--bg2:#3a3a3c;
  --ink:#f2f2f7;--ink2:#c7c7cc;--ink3:#8e8e93;
  --blue:#4da3ff;--blue-h:#66b3ff;--blue-l:rgba(77,163,255,.18);
  --green:#32d74b;--border:#48484a;--border2:#3a3a3c;
  --card-bg:#2c2c2e;--nav-bg:rgba(28,28,30,.92);
  --sh-s:0 1px 3px rgba(0,0,0,.4),0 4px 14px rgba(0,0,0,.4);
  --sh-m:0 4px 20px rgba(0,0,0,.5),0 16px 48px rgba(0,0,0,.5);
}
body{font-family:'Geist',-apple-system,sans-serif;background:var(--white);color:var(--ink);overflow-x:hidden;transition:background .3s,color .3s}
a{text-decoration:none;color:inherit}
img{display:block}
button{font-family:inherit;cursor:pointer;border:none;background:none}

/* ── TOPBAR ── */
.topbar{background:#1d1d1f;color:rgba(255,255,255,.65);font-size:.75rem;text-align:center;padding:.45rem 1rem;letter-spacing:.01em;display:flex;align-items:center;justify-content:center;gap:1.5rem;flex-wrap:wrap}
.topbar b{color:#fff}
.topbar-flag{display:flex;align-items:center;gap:.4rem;font-size:.73rem}

/* ── NAV ── */
nav{position:sticky;top:0;z-index:100;height:52px;background:var(--nav-bg);backdrop-filter:saturate(180%) blur(20px);border-bottom:1px solid rgba(128,128,128,.12);display:flex;align-items:center;justify-content:space-between;padding:0 clamp(1rem,4vw,3rem);gap:1rem;transition:box-shadow .2s}
nav.scrolled{box-shadow:0 1px 12px rgba(0,0,0,.1)}
.nav-logo{font-size:1.1rem;font-weight:800;letter-spacing:-.04em;flex-shrink:0}
.nav-logo span{color:var(--blue)}
.nav-links{display:flex;gap:1.5rem;list-style:none}
.nav-links a{font-size:.83rem;font-weight:400;color:var(--ink2);transition:color .15s}
.nav-links a:hover{color:var(--ink)}
.nav-right{display:flex;align-items:center;gap:.6rem;flex-shrink:0}

/* country selector */
.country-sel{display:flex;align-items:center;gap:.35rem;font-size:.8rem;font-weight:500;color:var(--ink2);padding:.35rem .7rem;border-radius:var(--pill);border:1.5px solid var(--border);background:transparent;transition:all .15s;cursor:pointer}
.country-sel:hover{border-color:var(--ink2);color:var(--ink)}
.country-sel select{border:none;background:transparent;color:inherit;font:inherit;cursor:pointer;outline:none;padding-right:.2rem}

/* dark toggle */
.dark-toggle{width:34px;height:20px;background:var(--bg2);border-radius:999px;position:relative;cursor:pointer;transition:background .3s;flex-shrink:0;border:1.5px solid var(--border)}
.dark-toggle.on{background:var(--ink)}
.dark-toggle::after{content:'';position:absolute;top:1px;left:2px;width:14px;height:14px;border-radius:50%;background:#fff;transition:transform .3s,background .3s}
.dark-toggle.on::after{transform:translateX(14px)}
.dark-icon{font-size:.75rem;line-height:1}

.nav-cta{background:var(--blue);color:#fff;padding:.44rem 1.1rem;border-radius:var(--pill);font-size:.84rem;font-weight:500;transition:background .15s,transform .15s}
.nav-cta:hover{background:var(--blue-h);transform:scale(1.02)}

/* ── HERO ── */
.hero-wrap{border-bottom:1px solid var(--border2)}
.hero{max-width:1200px;margin:0 auto;padding:clamp(3.5rem,8vw,6rem) clamp(1rem,4vw,3rem);display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,5rem);align-items:center}
@media(max-width:860px){.hero{grid-template-columns:1fr}.hero-right{display:none}}
.h-eyebrow{font-size:.76rem;font-weight:600;color:var(--blue);letter-spacing:.04em;margin-bottom:.9rem;opacity:0;animation:up .55s .1s ease forwards}
.h-title{font-size:clamp(2.5rem,5.5vw,4.2rem);font-weight:800;letter-spacing:-.045em;line-height:1.06;margin-bottom:1.2rem;opacity:0;animation:up .55s .2s ease forwards}
.h-title em{font-style:normal;color:var(--ink2);font-weight:300}
.h-sub{font-size:1rem;color:var(--ink2);line-height:1.65;max-width:420px;margin-bottom:1.9rem;opacity:0;animation:up .55s .3s ease forwards}
.h-actions{display:flex;gap:.75rem;flex-wrap:wrap;align-items:center;opacity:0;animation:up .55s .4s ease forwards}
.btn-primary{background:var(--blue);color:#fff;padding:.72rem 1.5rem;border-radius:var(--pill);font-size:.9rem;font-weight:600;display:inline-flex;align-items:center;gap:.4rem;transition:background .15s,transform .15s,box-shadow .15s}
.btn-primary:hover{background:var(--blue-h);transform:scale(1.02);box-shadow:0 4px 16px rgba(0,113,227,.28)}
.btn-ghost{font-size:.9rem;font-weight:500;color:var(--blue);display:inline-flex;align-items:center;gap:.3rem;transition:opacity .15s}
.btn-ghost:hover{opacity:.65}
.h-stats{display:flex;gap:2rem;margin-top:2.2rem;padding-top:1.9rem;border-top:1px solid var(--border2);opacity:0;animation:up .55s .5s ease forwards}
.h-stat strong{display:block;font-size:1.55rem;font-weight:800;letter-spacing:-.04em}
.h-stat span{font-size:.74rem;color:var(--ink3)}
.hero-right{display:flex;flex-direction:column;gap:.55rem;opacity:0;animation:up .55s .35s ease forwards}
.hc{background:var(--card-bg);border-radius:var(--r-lg);padding:1rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:.9rem;transition:transform .2s,box-shadow .2s}
.hc:hover{transform:translateY(-2px);box-shadow:var(--sh-s)}
.hc.dark{background:#1d1d1f;padding:1.2rem 1.25rem}
.hc-l{display:flex;align-items:center;gap:.8rem}
.hc-logo{width:40px;height:40px;border-radius:11px;overflow:hidden;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hc-name{font-weight:600;font-size:.9rem}
.hc.dark .hc-name{color:#fff}
.hc-sub{font-size:.7rem;color:var(--ink3)}
.hc.dark .hc-sub{color:rgba(255,255,255,.4)}
.hc-r{text-align:right}
.hc-price{font-weight:700;font-size:1rem}
.hc-price.free{color:var(--green)}
.hc.dark .hc-price.free{color:#30d158}
.hc-stars{font-size:.68rem;color:#ff9f0a}
.hc.dark .hc-stars{color:#ffd60a}
.hc-badge{background:var(--blue);color:#fff;font-size:.6rem;font-weight:700;padding:.16rem .5rem;border-radius:var(--pill);align-self:flex-start;white-space:nowrap}

/* ── SECTIONS ── */
.sec{padding:clamp(3rem,7vw,5.5rem) clamp(1rem,4vw,3rem);max-width:1200px;margin:0 auto}
.sec-divider{border:none;border-top:1px solid var(--border2);margin:0 clamp(1rem,4vw,3rem)}
.s-eye{font-size:.7rem;font-weight:600;color:var(--blue);letter-spacing:.06em;text-transform:uppercase;margin-bottom:.5rem}
.s-title{font-size:clamp(1.8rem,3.5vw,2.8rem);font-weight:800;letter-spacing:-.04em;line-height:1.1;margin-bottom:.65rem}
.s-sub{font-size:.95rem;color:var(--ink2);line-height:1.65;max-width:480px;margin-bottom:1.9rem}

/* ── QUIZ ── */
.quiz-wrap{background:#1a1a2e;border-radius:var(--r-xl);padding:clamp(2rem,4vw,3rem);color:#fff;position:relative;overflow:hidden}
[data-theme="dark"] .quiz-wrap{background:#0f0f1a}
.quiz-wrap::before{content:'';position:absolute;top:-60px;right:-60px;width:240px;height:240px;background:var(--blue);border-radius:50%;opacity:.08}
.quiz-step{display:none}
.quiz-step.active{display:block;animation:up .35s ease}
.quiz-q{font-size:clamp(1.1rem,2.5vw,1.5rem);font-weight:700;letter-spacing:-.03em;margin-bottom:.5rem}
.quiz-hint{font-size:.85rem;color:rgba(255,255,255,.5);margin-bottom:1.5rem}
.quiz-options{display:flex;flex-direction:column;gap:.6rem}
.quiz-opt{display:flex;align-items:center;gap:.85rem;padding:.9rem 1.1rem;border-radius:var(--r-md);border:1.5px solid rgba(255,255,255,.15);background:transparent;color:#fff;font-size:.92rem;font-weight:500;cursor:pointer;transition:all .2s;text-align:left}
.quiz-opt:hover{border-color:var(--blue);background:rgba(59,158,255,.12)}
.quiz-opt.sel{border-color:var(--blue);background:rgba(59,158,255,.18)}
.quiz-opt-ic{font-size:1.1rem;flex-shrink:0}
.quiz-nav{display:flex;justify-content:space-between;align-items:center;margin-top:1.5rem}
.quiz-prog{display:flex;gap:.4rem}
.quiz-dot{width:6px;height:6px;border-radius:50%;background:rgba(255,255,255,.25);transition:background .2s}
.quiz-dot.done{background:var(--blue)}
.quiz-btn{background:var(--blue);color:#fff;padding:.65rem 1.5rem;border-radius:var(--pill);font-size:.88rem;font-weight:600;transition:background .15s,transform .15s}
.quiz-btn:hover{background:var(--blue-h);transform:scale(1.02)}
.quiz-btn:disabled{opacity:.4;pointer-events:none}
.quiz-result{text-align:center;padding:1rem 0}
.quiz-result-name{font-size:1.8rem;font-weight:800;letter-spacing:-.04em;margin:1rem 0 .4rem}
.quiz-result-sub{font-size:.9rem;color:rgba(255,255,255,.55);margin-bottom:1.5rem}

/* ── FILTER+SEARCH BAR ── */
.filter-row{display:flex;gap:.75rem;flex-wrap:wrap;align-items:center;margin-bottom:1.8rem}
.search-input{flex:1;min-width:180px;max-width:260px;padding:.42rem .9rem .42rem 2rem;border-radius:var(--pill);border:1.5px solid var(--border);font:inherit;font-size:.82rem;color:var(--ink);background:var(--white);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23aeaeb2' stroke-width='2.5'%3E%3Ccircle cx='11' cy='11' r='8'/%3E%3Cpath d='m21 21-4.35-4.35'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:.65rem center;transition:border-color .15s,box-shadow .15s;outline:none}
.search-input:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.15)}
.filter-bar{display:flex;gap:.4rem;flex-wrap:wrap}
.pill{padding:.4rem 1rem;border-radius:var(--pill);font-size:.82rem;font-weight:500;border:1.5px solid var(--border);color:var(--ink2);background:var(--white);cursor:pointer;transition:all .15s}
.pill:hover{border-color:var(--ink2);color:var(--ink)}
.pill.active{background:#1d1d1f;color:#fff;border-color:#1d1d1f}

/* ── BANK CARDS ── */
.banks-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(350px,1fr));gap:1rem}
.bank-card{background:var(--card-bg);border-radius:var(--r-xl);overflow:hidden;transition:transform .25s cubic-bezier(.34,1.56,.64,1),box-shadow .25s;animation:up .4s ease both}
.bank-card:hover{transform:translateY(-4px) scale(1.01);box-shadow:var(--sh-m)}
.bank-card.feat{background:#1d1d1f;box-shadow:0 8px 32px rgba(0,0,0,.16)}
[data-theme="dark"] .bank-card.feat{background:#000}
.c-head{padding:1.3rem 1.4rem 1.1rem;display:flex;justify-content:space-between;align-items:flex-start;gap:.8rem}
.c-id{display:flex;align-items:center;gap:.85rem}
.c-logo{width:46px;height:46px;border-radius:13px;overflow:hidden;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.c-name{font-size:1.02rem;font-weight:700;letter-spacing:-.025em;margin-bottom:.15rem}
.bank-card.feat .c-name{color:#fff}
.c-type{font-size:.7rem;color:var(--ink3)}
.bank-card.feat .c-type{color:rgba(255,255,255,.4)}
.c-badges{display:flex;flex-direction:column;align-items:flex-end;gap:.3rem}
.bdg{font-size:.62rem;font-weight:700;padding:.2rem .6rem;border-radius:var(--pill)}
.bdg-blue{background:var(--blue);color:#fff}
.bdg-green{background:#30d158;color:#000}
.bdg-orange{background:#ff9f0a;color:#000}
.bdg-gray{background:var(--bg2);color:var(--ink2)}
.bank-card.feat .bdg-gray{background:rgba(255,255,255,.15);color:rgba(255,255,255,.75)}
.c-stars{font-size:.7rem;color:#ff9f0a;font-weight:600}
.bank-card.feat .c-stars{color:#ffd60a}
.fees-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.45rem;padding:0 1.4rem 1.2rem}
.fee-tile{background:var(--white);border-radius:var(--r-sm);padding:.52rem .6rem}
[data-theme="dark"] .fee-tile{background:rgba(255,255,255,.06)}
.bank-card.feat .fee-tile{background:rgba(255,255,255,.1)}
.f-lbl{font-size:.58rem;font-weight:600;color:var(--ink3);text-transform:uppercase;letter-spacing:.04em;margin-bottom:.15rem}
.bank-card.feat .f-lbl{color:rgba(255,255,255,.38)}
.f-val{font-size:.88rem;font-weight:700;color:var(--ink);letter-spacing:-.02em}
.f-val.ok{color:var(--green)}
.bank-card.feat .f-val{color:#fff}
.bank-card.feat .f-val.ok{color:#30d158}
.feats{padding:0 1.4rem 1.2rem;display:flex;flex-direction:column;gap:.35rem}
.feat{display:flex;align-items:center;gap:.52rem;font-size:.82rem}
.feat-ic{width:17px;height:17px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.55rem;font-weight:700;flex-shrink:0}
.feat.yes .feat-ic{background:var(--blue-l);color:var(--blue)}
.feat.yes{color:var(--ink)}
.bank-card.feat .feat.yes{color:rgba(255,255,255,.82)}
.bank-card.feat .feat.yes .feat-ic{background:rgba(255,255,255,.15);color:#fff}
.feat.no .feat-ic{background:var(--bg2);color:var(--ink3)}
.feat.no{color:var(--ink3)}
.bank-card.feat .feat.no{color:rgba(255,255,255,.22)}
.bank-card.feat .feat.no .feat-ic{background:rgba(255,255,255,.07);color:rgba(255,255,255,.25)}

/* user reviews on card */
.c-reviews{padding:0 1.4rem .9rem;display:flex;gap:.5rem;align-items:center}
.rv-avg{font-size:1.05rem;font-weight:800;letter-spacing:-.03em}
.rv-stars{color:#ff9f0a;font-size:.78rem}
.rv-count{font-size:.72rem;color:var(--ink3)}
.bank-card.feat .rv-avg,.bank-card.feat .rv-count{color:rgba(255,255,255,.6)}
.bank-card.feat .rv-stars{color:#ffd60a}

.c-footer{padding:1rem 1.4rem;border-top:1px solid rgba(128,128,128,.1);display:flex;gap:.55rem}
.cta-open{flex:1;background:var(--blue);color:#fff;padding:.65rem .8rem;border-radius:var(--r-sm);font-size:.82rem;font-weight:600;text-align:center;display:block;transition:background .15s,transform .1s}
.cta-open:hover{background:var(--blue-h);transform:scale(1.01)}
.bank-card.feat .cta-open{background:#fff;color:var(--ink)}
.bank-card.feat .cta-open:hover{background:rgba(255,255,255,.88)}
.cta-det{padding:.65rem .8rem;border-radius:var(--r-sm);font-size:.82rem;font-weight:500;border:1.5px solid var(--border);color:var(--ink2);background:transparent;transition:all .15s}
.cta-det:hover{border-color:var(--ink);color:var(--ink)}
.bank-card.feat .cta-det{border-color:rgba(255,255,255,.22);color:rgba(255,255,255,.65)}
.bank-card.feat .cta-det:hover{border-color:#fff;color:#fff}
.aff-n{font-size:.6rem;color:var(--ink3);text-align:center;padding:.45rem 1.4rem .85rem}
.bank-card.feat .aff-n{color:rgba(255,255,255,.28)}

/* ── CHART ── */
.chart-wrap{background:var(--card-bg);border-radius:var(--r-xl);padding:1.75rem;overflow:hidden}
.chart-tabs{display:flex;gap:.4rem;margin-bottom:1.5rem}
.chart-tab{padding:.38rem .9rem;border-radius:var(--pill);font-size:.8rem;font-weight:500;border:1.5px solid var(--border);color:var(--ink2);cursor:pointer;transition:all .15s}
.chart-tab.active{background:#1d1d1f;color:#fff;border-color:#1d1d1f}
.chart-canvas-wrap{position:relative;height:320px}

/* ── REVIEWS ── */
.reviews-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1rem}
.rv-card{background:var(--card-bg);border-radius:var(--r-xl);padding:1.4rem;transition:transform .2s,box-shadow .2s}
.rv-card:hover{transform:translateY(-2px);box-shadow:var(--sh-s)}
.rv-header{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:.75rem;gap:.8rem}
.rv-bank{display:flex;align-items:center;gap:.6rem}
.rv-logo{width:32px;height:32px;border-radius:8px;overflow:hidden;flex-shrink:0}
.rv-bname{font-weight:700;font-size:.9rem}
.rv-date{font-size:.7rem;color:var(--ink3)}
.rv-rating{display:flex;gap:.1rem;font-size:.8rem;color:#ff9f0a}
.rv-text{font-size:.84rem;color:var(--ink2);line-height:1.65;margin-bottom:.75rem}
.rv-author{font-size:.74rem;font-weight:600;color:var(--ink3)}
.rv-helpful{font-size:.72rem;color:var(--ink3);display:flex;align-items:center;gap:.3rem;margin-top:.5rem}
.rv-helpful button{font-size:.72rem;color:var(--blue);font-weight:500}

/* write review button */
.write-rv{display:inline-flex;align-items:center;gap:.5rem;border:1.5px solid var(--border);border-radius:var(--pill);padding:.45rem 1.1rem;font-size:.82rem;font-weight:500;color:var(--ink2);transition:all .15s}
.write-rv:hover{border-color:var(--ink);color:var(--ink)}

/* ── TABLE ── */
.tbl-wrap{background:var(--card-bg);border-radius:var(--r-xl);overflow:hidden;overflow-x:auto}
table{width:100%;border-collapse:collapse;min-width:760px}
thead{border-bottom:1px solid var(--border2)}
thead th{padding:.85rem 1rem;text-align:left;font-size:.68rem;font-weight:600;color:var(--ink3);letter-spacing:.04em;text-transform:uppercase;background:var(--card-bg)}
tbody tr{border-bottom:1px solid var(--border2);transition:background .1s}
tbody tr:last-child{border-bottom:none}
tbody tr:hover{background:var(--bg)}
tbody td{padding:.85rem 1rem;font-size:.84rem;color:var(--ink2)}
.t-bank{display:flex;align-items:center;gap:.65rem}
.t-logo{width:32px;height:32px;border-radius:8px;overflow:hidden;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.t-name{font-weight:600;font-size:.88rem;color:var(--ink)}
.t-ok{color:var(--green);font-weight:700}
.t-no{color:var(--ink3)}
.t-free{color:var(--green);font-weight:600}
.t-score{font-weight:700;color:var(--ink)}
.t-open{padding:.28rem .8rem;background:var(--blue);color:#fff;border-radius:var(--pill);font-size:.72rem;font-weight:600;transition:background .15s;white-space:nowrap}
.t-open:hover{background:var(--blue-h)}

/* ── PICKS ── */
.picks-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:1rem}
.pick{background:var(--card-bg);border-radius:var(--r-xl);padding:1.6rem;transition:transform .25s cubic-bezier(.34,1.56,.64,1),box-shadow .25s}
.pick:hover{transform:translateY(-3px) scale(1.01);box-shadow:var(--sh-m)}
.pick-tag{display:inline-block;background:var(--blue-l);color:var(--blue);font-size:.66rem;font-weight:700;padding:.22rem .7rem;border-radius:var(--pill);margin-bottom:.9rem}
.pick-logo{width:40px;height:40px;border-radius:11px;overflow:hidden;display:flex;align-items:center;justify-content:center;margin-bottom:.7rem}
.pick-name{font-size:1.1rem;font-weight:700;letter-spacing:-.03em;margin-bottom:.38rem}
.pick-desc{font-size:.82rem;color:var(--ink2);line-height:1.6;margin-bottom:1rem}
.sc-row{display:flex;align-items:center;gap:.6rem;margin-bottom:.38rem;font-size:.76rem}
.sc-lbl{color:var(--ink2);width:88px;flex-shrink:0}
.sc-track{flex:1;height:4px;background:var(--bg2);border-radius:999px;overflow:hidden}
.sc-fill{height:100%;background:var(--blue);border-radius:999px}
.sc-val{font-weight:700;color:var(--ink);width:22px;text-align:right;font-size:.76rem}

/* ── ALERTS ── */
.alert-band{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);border-radius:var(--r-xl);padding:clamp(2rem,4vw,2.75rem) clamp(1.5rem,4vw,2.5rem);display:flex;align-items:center;gap:2rem;flex-wrap:wrap}
.alert-icon{font-size:2.5rem;flex-shrink:0}
.alert-text h3{font-size:1.25rem;font-weight:800;color:#fff;letter-spacing:-.03em;margin-bottom:.3rem}
.alert-text p{font-size:.88rem;color:rgba(255,255,255,.65);line-height:1.55}
.alert-form{display:flex;gap:.5rem;flex-wrap:wrap;margin-left:auto}
.alert-input{padding:.65rem 1rem;border-radius:var(--pill);border:none;font:inherit;font-size:.86rem;min-width:220px;background:rgba(255,255,255,.18);color:#fff;outline:none;transition:background .15s}
.alert-input::placeholder{color:rgba(255,255,255,.5)}
.alert-input:focus{background:rgba(255,255,255,.28)}
.alert-btn{background:#fff;color:#5b4fcf;padding:.65rem 1.4rem;border-radius:var(--pill);font-size:.86rem;font-weight:700;white-space:nowrap;transition:transform .15s,box-shadow .15s}
.alert-btn:hover{transform:scale(1.02);box-shadow:0 4px 16px rgba(0,0,0,.2)}

/* ── CTA BAND ── */
.cta-band{background:#1d1d1f;border-radius:var(--r-xl);margin:0 clamp(1rem,4vw,3rem);padding:clamp(2rem,5vw,3.5rem) clamp(1.5rem,4vw,3rem);display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap}
.cta-band h2{font-size:clamp(1.4rem,3vw,2.1rem);font-weight:800;letter-spacing:-.04em;color:#fff;line-height:1.15}
.cta-band h2 em{font-style:normal;color:rgba(255,255,255,.4);font-weight:300}
.cta-band p{color:rgba(255,255,255,.5);font-size:.88rem;margin-top:.35rem}
.cta-band-btn{background:#fff;color:var(--ink);padding:.75rem 1.9rem;border-radius:var(--pill);font-size:.9rem;font-weight:600;flex-shrink:0;transition:background .15s,transform .15s;display:inline-block}
.cta-band-btn:hover{background:var(--bg);transform:scale(1.02)}

/* ── FAQ ── */
.faq-list{max-width:740px}
.faq-item{border-bottom:1px solid var(--border2)}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.05rem 0;font-size:.93rem;font-weight:500;cursor:pointer;transition:color .15s}
.faq-q:hover{color:var(--blue)}
.faq-ic{width:26px;height:26px;border-radius:50%;background:var(--bg);display:flex;align-items:center;justify-content:center;font-size:.68rem;color:var(--ink2);flex-shrink:0;transition:all .2s}
.faq-item.open .faq-ic{transform:rotate(45deg);background:var(--blue);color:#fff}
.faq-a{font-size:.88rem;color:var(--ink2);line-height:1.75;max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s}
.faq-item.open .faq-a{max-height:300px;padding-bottom:1rem}
.disclaimer{background:#fffbf0;border:1px solid #ffe08a;border-radius:var(--r-sm);padding:.65rem 1rem;font-size:.73rem;color:#7d5c00;margin-top:1.4rem;max-width:680px}
[data-theme="dark"] .disclaimer{background:#2a2200;border-color:#5a4200;color:#ffd60a}

/* ── MODAL ── */
.modal-ov{display:none;position:fixed;inset:0;background:rgba(0,0,0,.45);backdrop-filter:blur(10px);z-index:200;align-items:center;justify-content:center;padding:1rem}
.modal-ov.open{display:flex}
.modal{background:var(--white);border-radius:var(--r-xl);width:100%;max-width:600px;max-height:92vh;overflow-y:auto;box-shadow:0 20px 60px rgba(0,0,0,.25);animation:scaleIn .22s cubic-bezier(.34,1.56,.64,1)}
@keyframes scaleIn{from{opacity:0;transform:scale(.93)}to{opacity:1;transform:scale(1)}}
.modal-hd{padding:1.4rem;border-bottom:1px solid var(--border2);display:flex;justify-content:space-between;align-items:center;position:sticky;top:0;background:var(--white);z-index:1}
.modal-cl{width:30px;height:30px;border-radius:50%;background:var(--bg);display:flex;align-items:center;justify-content:center;font-size:.75rem;color:var(--ink2);transition:background .15s}
.modal-cl:hover{background:var(--bg2)}
.modal-bd{padding:1.4rem}
.modal-tabs{display:flex;gap:.4rem;margin-bottom:1.5rem;border-bottom:1px solid var(--border2);padding-bottom:.75rem}
.modal-tab{font-size:.82rem;font-weight:500;color:var(--ink2);padding:.3rem .6rem;border-radius:var(--r-sm);cursor:pointer;transition:all .15s}
.modal-tab.active{background:var(--blue-l);color:var(--blue);font-weight:600}
.modal-panel{display:none}
.modal-panel.active{display:block;animation:up .25s ease}

/* review form in modal */
.rv-form{display:flex;flex-direction:column;gap:.9rem}
.rv-form label{font-size:.78rem;font-weight:600;color:var(--ink2);display:block;margin-bottom:.3rem}
.rv-form input,.rv-form textarea,.rv-form select{width:100%;padding:.65rem .9rem;border-radius:var(--r-sm);border:1.5px solid var(--border);font:inherit;font-size:.86rem;color:var(--ink);background:var(--white);outline:none;transition:border-color .15s}
.rv-form input:focus,.rv-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.12)}
.rv-form textarea{resize:vertical;min-height:90px}
.star-pick{display:flex;gap:.3rem;font-size:1.4rem;cursor:pointer}
.star-pick span{color:var(--bg2);transition:color .1s;line-height:1}
.star-pick span.lit{color:#ff9f0a}

/* ── AI CHAT ── */
.chat-bubble{position:fixed;bottom:1.5rem;right:1.5rem;z-index:150}
.chat-fab{width:54px;height:54px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(0,113,227,.4);transition:transform .2s,box-shadow .2s;font-size:1.3rem}
.chat-fab:hover{transform:scale(1.08);box-shadow:0 6px 28px rgba(0,113,227,.5)}
.chat-fab .chat-close{display:none}
.chat-bubble.open .chat-fab .chat-open-ic{display:none}
.chat-bubble.open .chat-fab .chat-close{display:block}
.chat-window{position:absolute;bottom:66px;right:0;width:340px;background:var(--white);border-radius:20px;box-shadow:0 8px 40px rgba(0,0,0,.18);overflow:hidden;display:none;flex-direction:column;animation:scaleIn .2s ease}
.chat-bubble.open .chat-window{display:flex}
.chat-head{padding:1rem 1.1rem;background:var(--blue);color:#fff;display:flex;align-items:center;gap:.6rem}
.chat-head-ic{width:32px;height:32px;border-radius:50%;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;font-size:.9rem}
.chat-head-name{font-weight:700;font-size:.92rem}
.chat-head-status{font-size:.7rem;opacity:.7}
.chat-msgs{flex:1;max-height:320px;overflow-y:auto;padding:.85rem;display:flex;flex-direction:column;gap:.65rem}
.chat-msg{max-width:85%;padding:.65rem .85rem;border-radius:16px;font-size:.84rem;line-height:1.55;animation:up .2s ease}
.chat-msg.bot{background:var(--card-bg);color:var(--ink);border-bottom-left-radius:4px;align-self:flex-start}
.chat-msg.user{background:var(--blue);color:#fff;border-bottom-right-radius:4px;align-self:flex-end}
.chat-msg.typing{display:flex;gap:.25rem;align-items:center;padding:.7rem .9rem}
.chat-dot{width:7px;height:7px;border-radius:50%;background:var(--ink3);animation:blink 1.2s infinite}
.chat-dot:nth-child(2){animation-delay:.2s}
.chat-dot:nth-child(3){animation-delay:.4s}
@keyframes blink{0%,80%,100%{opacity:.25}40%{opacity:1}}
.chat-quick{padding:.5rem .85rem;display:flex;gap:.4rem;flex-wrap:wrap;border-top:1px solid var(--border2)}
.chat-qbtn{font-size:.72rem;font-weight:500;color:var(--blue);border:1px solid var(--blue-l);padding:.22rem .65rem;border-radius:var(--pill);background:var(--blue-l);transition:all .15s}
.chat-qbtn:hover{background:var(--blue);color:#fff}
.chat-input-row{padding:.75rem .85rem;border-top:1px solid var(--border2);display:flex;gap:.5rem}
.chat-inp{flex:1;border:1.5px solid var(--border);border-radius:var(--pill);padding:.5rem .85rem;font:inherit;font-size:.83rem;color:var(--ink);background:var(--white);outline:none;transition:border-color .15s}
.chat-inp:focus{border-color:var(--blue)}
.chat-send{width:32px;height:32px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;flex-shrink:0;transition:background .15s}
.chat-send:hover{background:var(--blue-h)}

/* ── FOOTER ── */
.footer-bg{background:var(--card-bg);border-top:1px solid var(--border2);margin-top:clamp(3rem,6vw,5rem)}
.footer-inner{max-width:1200px;margin:0 auto;padding:clamp(2rem,5vw,3.5rem) clamp(1rem,4vw,3rem);display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem}
@media(max-width:860px){.footer-inner{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-inner{grid-template-columns:1fr}}
.ft-brand p{font-size:.82rem;color:var(--ink2);line-height:1.65;max-width:240px;margin-top:.65rem;font-weight:300}
.ft-col h4{font-size:.7rem;font-weight:600;color:var(--ink3);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.85rem}
.ft-col ul{list-style:none}
.ft-col li{margin-bottom:.35rem}
.ft-col a{font-size:.83rem;color:var(--ink2);transition:color .15s}
.ft-col a:hover{color:var(--blue)}
.footer-bottom{max-width:1200px;margin:0 auto;padding:1.1rem clamp(1rem,4vw,3rem);border-top:1px solid var(--border2);display:flex;justify-content:space-between;flex-wrap:wrap;gap:.75rem;font-size:.73rem;color:var(--ink3)}



/* ── DARK MODE OVERRIDES ── */
[data-theme="dark"] .bank-card{background:#2c2c2e;border:1px solid #3a3a3c}
[data-theme="dark"] .bank-card.feat{background:#1a1a2e;border-color:#3b4a6b}
[data-theme="dark"] .fee-tile{background:#3a3a3c;border:1px solid #48484a}
[data-theme="dark"] .f-lbl{color:#8e8e93}
[data-theme="dark"] .f-val{color:#f2f2f7}
[data-theme="dark"] .feat-item{color:#c7c7cc}
[data-theme="dark"] .c-footer{background:#242426;border-top:1px solid #3a3a3c}
[data-theme="dark"] .cta-open{background:#4da3ff;color:#fff}
[data-theme="dark"] .cta-det{background:#3a3a3c;color:#c7c7cc;border-color:#48484a}
[data-theme="dark"] .pill{background:#2c2c2e;border-color:#48484a;color:#c7c7cc}
[data-theme="dark"] .pill.active{background:#f2f2f7;color:#1c1c1e}
[data-theme="dark"] .chart-tab.active{background:#4da3ff;color:#fff;border-color:#4da3ff}
[data-theme="dark"] .pill:hover{background:#3a3a3c}
[data-theme="dark"] .search-input{background:#2c2c2e;border-color:#48484a;color:#f2f2f7}
[data-theme="dark"] .pick{background:#2c2c2e;border:1px solid #3a3a3c}
[data-theme="dark"] .pick-tag{background:#3a3a3c;color:#c7c7cc}
[data-theme="dark"] .faq-item{border-color:#3a3a3c}
[data-theme="dark"] .faq-ic{background:#3a3a3c;color:#c7c7cc}
[data-theme="dark"] .rv-card{background:#2c2c2e;border:1px solid #3a3a3c}
[data-theme="dark"] .modal{background:#1c1c1e;border:1px solid #3a3a3c}
[data-theme="dark"] .modal-hd{background:#242426;border-bottom-color:#3a3a3c}
[data-theme="dark"] .modal-tab{color:#8e8e93}
[data-theme="dark"] .modal-tab.active{color:#f2f2f7;border-bottom-color:#4da3ff}
[data-theme="dark"] .modal-tabs{border-bottom-color:#3a3a3c}
[data-theme="dark"] .chart-wrap{background:#2c2c2e;border:1px solid #3a3a3c}
[data-theme="dark"] .chart-tab{background:#3a3a3c;color:#8e8e93}
[data-theme="dark"] .chart-tab.active{background:#4da3ff;color:#fff}
[data-theme="dark"] .alert-band{box-shadow:0 4px 20px rgba(0,0,0,.4)}
[data-theme="dark"] .cta-band{background:#000}
[data-theme="dark"] table{background:#2c2c2e}
[data-theme="dark"] thead{background:#242426}
[data-theme="dark"] thead th{color:#8e8e93;border-bottom-color:#3a3a3c}
[data-theme="dark"] tbody td{border-bottom-color:#3a3a3c;color:#c7c7cc}
[data-theme="dark"] .t-ok{color:#32d74b}
[data-theme="dark"] .t-no{color:#48484a}
[data-theme="dark"] .t-open{background:#4da3ff;color:#fff}
[data-theme="dark"] .sc-track{background:#3a3a3c}
[data-theme="dark"] .write-rv{background:#3a3a3c;color:#c7c7cc;border-color:#48484a}
[data-theme="dark"] .write-rv:hover{background:#48484a}
[data-theme="dark"] .compare-bar{background:#1c1c1e;border-top-color:#4da3ff}
[data-theme="dark"] .compare-slot{background:#3a3a3c}
[data-theme="dark"] .compare-slot.empty{border-color:#48484a;color:#8e8e93}
[data-theme="dark"] .chat-window{background:#1c1c1e;border:1px solid #3a3a3c}
[data-theme="dark"] .chat-head{background:#242426;border-bottom-color:#3a3a3c}
[data-theme="dark"] .chat-msg.bot{background:#2c2c2e;color:#f2f2f7}
[data-theme="dark"] .chat-msg.user{background:#4da3ff}
[data-theme="dark"] .chat-input-row{background:#1c1c1e;border-top-color:#3a3a3c}
[data-theme="dark"] .chat-inp{background:#2c2c2e;border-color:#48484a;color:#f2f2f7}
[data-theme="dark"] .chat-quick{background:#1c1c1e;border-top-color:#3a3a3c}
[data-theme="dark"] .mobile-nav{background:#1c1c1e}
[data-theme="dark"] .mobile-nav a{color:#f2f2f7;border-bottom-color:#3a3a3c}
[data-theme="dark"] .footer-bg{background:#141414;border-top-color:#3a3a3c}
[data-theme="dark"] .sec-divider{border-color:#3a3a3c}
[data-theme="dark"] .rv-form input,
[data-theme="dark"] .rv-form textarea,
[data-theme="dark"] .rv-form select{background:#2c2c2e;border-color:#48484a;color:#f2f2f7}

/* ── ACCESSIBILITY ── */
:focus-visible{outline:2px solid var(--blue);outline-offset:2px;border-radius:4px}
button:focus-visible,a:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.skip-link{position:absolute;top:-100px;left:1rem;background:var(--blue);color:#fff;padding:.5rem 1rem;border-radius:var(--r-sm);font-size:.85rem;font-weight:600;z-index:999;transition:top .2s}
.skip-link:focus{top:1rem}

/* ── ANIMS ── */
@keyframes up{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.rev{opacity:0;transform:translateY(12px);transition:opacity .6s ease,transform .6s ease}
.rev.vis{opacity:1;transform:none}
::-webkit-scrollbar{width:4px}
::-webkit-scrollbar-track{background:var(--bg)}
::-webkit-scrollbar-thumb{background:var(--border);border-radius:999px}

/* ══ HAMBURGER MENU ══ */
.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;cursor:pointer;-webkit-tap-highlight-color:transparent}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px;transition:all .3s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* mobile nav drawer */
.mobile-nav{display:none;position:fixed;inset:0;top:52px;background:var(--white);z-index:99;padding:1.5rem 1.25rem;flex-direction:column;gap:.25rem;overflow-y:auto;animation:slideDown .25s ease}
@keyframes slideDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}
.mobile-nav.open{display:flex}
.mobile-nav a{font-size:1.05rem;font-weight:500;color:var(--ink);padding:1rem .5rem;border-bottom:1px solid var(--border2);display:flex;align-items:center;gap:.75rem;-webkit-tap-highlight-color:transparent}
.mobile-nav a:last-child{border-bottom:none}
.mobile-nav-cta{margin-top:1rem;background:var(--blue);color:#fff !important;border-radius:var(--r-md);padding:1rem !important;justify-content:center !important;font-weight:600 !important;border:none !important}
.mobile-nav-footer{margin-top:auto;padding-top:1.5rem;display:flex;align-items:center;justify-content:space-between}
.mobile-dark-row{display:flex;align-items:center;gap:.75rem;font-size:.88rem;color:var(--ink2)}

/* ── TABLET ── */
@media(max-width:900px){
  .footer-inner{grid-template-columns:1fr 1fr}
  .reviews-grid{grid-template-columns:1fr}
}

/* ── MOBILE ── */
@media(max-width:768px){
  /* nav */
  .nav-links{display:none}
  .nav-right .nav-cta{display:none}
  .nav-right .dark-toggle,.nav-right .dark-icon{display:none}
  .nav-right .country-sel{display:none}
  .hamburger{display:flex}
  nav{padding:0 1rem}

  /* topbar */
  .topbar{font-size:.7rem;padding:.4rem .75rem;gap:.5rem}
  .topbar-flag{display:none}

  /* hero */
  .hero{grid-template-columns:1fr;padding:2.5rem 1.1rem 2rem}
  .hero-right{display:none}
  .h-title{font-size:2.2rem;letter-spacing:-.04em}
  .h-sub{font-size:.92rem}
  .h-stats{gap:1.25rem}
  .h-stat strong{font-size:1.3rem}
  .h-actions{gap:.6rem}
  .btn-primary{font-size:.86rem;padding:.68rem 1.2rem}

  /* sections */
  .sec{padding:2.5rem 1.1rem}
  .sec-divider{margin:0 1.1rem}
  .s-title{font-size:1.75rem}

  /* quiz */
  .quiz-wrap{padding:1.5rem 1.1rem}
  .quiz-q{font-size:1.1rem}
  .quiz-opt{padding:.8rem .9rem;font-size:.88rem}
  .quiz-opt-ic{font-size:1rem}

  /* filter */
  .filter-row{flex-direction:column;align-items:stretch;gap:.65rem}
  .search-input{max-width:100%;width:100%}
  .filter-bar{gap:.35rem}
  .pill{font-size:.78rem;padding:.38rem .85rem}

  /* bank cards */
  .banks-grid{grid-template-columns:1fr;gap:.75rem}
  .bank-card{border-radius:var(--r-lg)}
  .c-head{padding:1.1rem 1.1rem .9rem}
  .fees-grid{grid-template-columns:repeat(4,1fr);gap:.35rem;padding:0 1.1rem 1rem}
  .fee-tile{padding:.45rem .4rem}
  .f-lbl{font-size:.52rem}
  .f-val{font-size:.8rem}
  .feats{padding:0 1.1rem 1rem}
  .feat{font-size:.8rem}
  .c-footer{padding:.85rem 1.1rem;gap:.45rem}
  .cta-open{padding:.6rem .7rem;font-size:.8rem;min-height:44px;display:flex;align-items:center;justify-content:center}
  .cta-det{padding:.6rem .7rem;font-size:.8rem;min-height:44px}
  .aff-n{padding:.35rem 1.1rem .7rem}

  /* chart */
  .chart-wrap{padding:1.2rem 1rem}
  .chart-canvas-wrap{height:240px}
  .chart-tabs{gap:.35rem}
  .chart-tab{font-size:.76rem;padding:.32rem .75rem}

  /* reviews */
  .reviews-grid{grid-template-columns:1fr;gap:.75rem}
  .rv-card{border-radius:var(--r-lg);padding:1.1rem}

  /* alert band */
  .alert-band{flex-direction:column;align-items:flex-start;gap:1.1rem;padding:1.5rem 1.25rem;border-radius:var(--r-lg)}
  .alert-icon{font-size:2rem}
  .alert-form{width:100%;flex-direction:column;margin-left:0}
  .alert-input{min-width:0;width:100%}
  .alert-btn{width:100%;text-align:center;padding:.75rem}

  /* picks */
  .picks-grid{grid-template-columns:1fr;gap:.75rem}
  .pick{padding:1.25rem;border-radius:var(--r-lg)}

  /* CTA band */
  .cta-band{flex-direction:column;align-items:flex-start;gap:1.25rem;margin:0 1.1rem;padding:1.75rem 1.4rem;border-radius:var(--r-lg)}
  .cta-band h2{font-size:1.5rem}
  .cta-band-btn{width:100%;text-align:center;padding:.8rem}

  /* table */
  .tbl-wrap{border-radius:var(--r-lg)}
  thead th{padding:.7rem .75rem;font-size:.6rem}
  tbody td{padding:.7rem .75rem;font-size:.8rem}

  /* FAQ */
  .faq-q{font-size:.88rem}
  .faq-a{font-size:.84rem}
  .disclaimer{font-size:.7rem}

  /* modal */
  .modal-ov{padding:.5rem;align-items:flex-end}
  .modal{border-radius:var(--r-xl) var(--r-xl) 0 0;max-width:100%;max-height:92vh}
  .modal-hd{padding:1.1rem}
  .modal-bd{padding:1.1rem}

  /* chat — full screen on mobile */
  .chat-bubble{bottom:1rem;right:1rem}
  .chat-fab{width:50px;height:50px;font-size:1.2rem}
  .chat-window{
    position:fixed;
    inset:0;
    top:auto;
    bottom:66px;
    right:0;
    left:0;
    width:100%;
    border-radius:var(--r-xl) var(--r-xl) 0 0;
    max-height:70vh;
  }

  /* footer */
  .footer-inner{grid-template-columns:1fr 1fr;gap:1.75rem;padding:2rem 1.25rem}
  .footer-bottom{flex-direction:column;gap:.4rem;text-align:center;padding:1rem 1.25rem}
}

/* ── SMALL MOBILE (≤420px) ── */
@media(max-width:420px){
  .fees-grid{grid-template-columns:1fr 1fr}
  .h-title{font-size:1.95rem}
  .quiz-options{gap:.45rem}
  .quiz-opt{padding:.7rem .8rem}
  nav{height:48px}
  .mobile-nav{top:48px}
  .footer-inner{grid-template-columns:1fr}
}

/* ── COMPARE BAR ── */
.compare-bar{position:fixed;bottom:0;left:0;right:0;z-index:90;background:var(--white);border-top:1px solid var(--border);padding:.75rem clamp(1rem,4vw,3rem);display:flex;align-items:center;gap:.75rem;transform:translateY(110%);transition:transform .3s cubic-bezier(.34,1.56,.64,1);box-shadow:0 -4px 24px rgba(0,0,0,.1)}
.compare-bar.visible{transform:translateY(0)}
.compare-slots{display:flex;gap:.5rem;flex:1;flex-wrap:wrap}
.compare-slot{display:flex;align-items:center;gap:.4rem;background:var(--bg);border-radius:var(--r-sm);padding:.4rem .7rem;font-size:.78rem;font-weight:500;min-width:90px}
.compare-slot .slot-logo{width:20px;height:20px;border-radius:5px;overflow:hidden;flex-shrink:0}
.compare-slot .slot-rm{margin-left:auto;color:var(--ink3);font-size:.7rem;cursor:pointer;padding:.1rem .2rem}
.compare-slot .slot-rm:hover{color:var(--ink)}
.compare-slot.empty{border:1.5px dashed var(--border);color:var(--ink3);background:transparent}
.compare-count{font-size:.78rem;color:var(--ink2);white-space:nowrap}
.compare-go{background:var(--blue);color:#fff;padding:.55rem 1.2rem;border-radius:var(--pill);font-size:.84rem;font-weight:600;white-space:nowrap;transition:background .15s,transform .15s}
.compare-go:hover{background:var(--blue-h);transform:scale(1.02)}
.compare-go:disabled{opacity:.4;pointer-events:none}
.compare-clear{font-size:.75rem;color:var(--ink3);padding:.3rem .5rem}
.compare-clear:hover{color:var(--ink)}
.compare-check{position:absolute;top:.85rem;right:.85rem;width:22px;height:22px;border-radius:6px;border:2px solid var(--border);background:var(--white);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .2s;z-index:2;font-size:.65rem;color:#fff}
.compare-check.checked{background:var(--blue);border-color:var(--blue)}
.bank-card{position:relative}

/* ── COMPARE MODAL TABLE ── */
.cmp-table{width:100%;border-collapse:collapse;font-size:.84rem}
.cmp-table th{padding:.75rem .9rem;background:var(--bg);font-size:.7rem;font-weight:600;color:var(--ink3);text-transform:uppercase;letter-spacing:.04em;text-align:center;border-bottom:1px solid var(--border2)}
.cmp-table th:first-child{text-align:left}
.cmp-table td{padding:.75rem .9rem;border-bottom:1px solid var(--border2);text-align:center;color:var(--ink2)}
.cmp-table td:first-child{text-align:left;font-weight:600;color:var(--ink);font-size:.8rem}
.cmp-table tr:last-child td{border-bottom:none}
.cmp-table tr:hover td{background:var(--bg)}
.cmp-bank-head{display:flex;flex-direction:column;align-items:center;gap:.4rem;padding:.4rem 0}
.cmp-bank-logo{width:34px;height:34px;border-radius:9px;overflow:hidden;margin:0 auto}
.cmp-bank-name{font-size:.8rem;font-weight:700;color:var(--ink)}
.cmp-ok{color:var(--green);font-weight:700}
.cmp-no{color:var(--ink3)}
.cmp-highlight{background:rgba(0,113,227,.04)}

/* mobile table hint */
.tbl-scroll-hint{display:none;align-items:center;gap:.4rem;font-size:.72rem;color:var(--ink3);margin-bottom:.6rem}
@media(max-width:768px){
  .tbl-scroll-hint{display:flex}
  table{font-size:.75rem}
  thead th{padding:.6rem .55rem;font-size:.58rem}
  tbody td{padding:.6rem .55rem}
  .t-bank{gap:.4rem}
  .t-logo{width:24px;height:24px;border-radius:6px}
  .t-name{font-size:.78rem}
  .compare-bar{padding:.65rem 1rem;gap:.5rem}
  .compare-slots{gap:.35rem}
  .compare-slot{min-width:70px;font-size:.72rem;padding:.35rem .55rem}
}

/* ── METHODOLOGY ── */
.method-box{background:var(--blue-l);border:1px solid rgba(0,113,227,.12);border-radius:var(--r-lg);padding:1.1rem 1.3rem;margin-bottom:1.5rem;display:flex;gap:.9rem;align-items:flex-start}
[data-theme="dark"] .method-box{background:rgba(59,158,255,.07);border-color:rgba(59,158,255,.15)}
.method-ic{font-size:1.2rem;flex-shrink:0;margin-top:.05rem}
.method-title{font-size:.8rem;font-weight:700;color:var(--blue);margin-bottom:.25rem}
.method-text{font-size:.76rem;color:var(--ink2);line-height:1.6}
.method-cats{display:flex;flex-wrap:wrap;gap:.3rem;margin-top:.45rem}
.method-cat{font-size:.62rem;font-weight:600;background:var(--white);color:var(--blue);padding:.15rem .55rem;border-radius:var(--pill);border:1px solid rgba(0,113,227,.18)}
.updated-badge{font-size:.62rem;color:var(--ink3);display:inline-flex;align-items:center;gap:.3rem;margin-top:.15rem}
.updated-dot{width:5px;height:5px;border-radius:50%;background:#30d158;flex-shrink:0}

/* ── COMPARE BAR ── */
.compare-bar{position:fixed;bottom:0;left:0;right:0;z-index:90;background:var(--white);border-top:2px solid var(--blue);padding:.65rem clamp(.75rem,3vw,2rem);display:flex;align-items:center;gap:.65rem;transform:translateY(110%);transition:transform .35s cubic-bezier(.34,1.56,.64,1);box-shadow:0 -4px 30px rgba(0,0,0,.12)}
.compare-bar.visible{transform:translateY(0)}
.compare-slots{display:flex;gap:.45rem;flex:1;flex-wrap:wrap}
.compare-slot{display:flex;align-items:center;gap:.4rem;background:var(--bg);border-radius:var(--r-sm);padding:.38rem .65rem;font-size:.76rem;font-weight:500;min-width:80px}
.compare-slot .slot-logo{width:18px;height:18px;border-radius:4px;overflow:hidden;flex-shrink:0}
.compare-slot .slot-rm{margin-left:auto;color:var(--ink3);font-size:.65rem;cursor:pointer;line-height:1;padding:.1rem}
.compare-slot .slot-rm:hover{color:var(--ink)}
.compare-slot.empty{border:1.5px dashed var(--border);color:var(--ink3);background:transparent;font-style:italic}
.compare-go{background:var(--blue);color:#fff;padding:.5rem 1.1rem;border-radius:var(--pill);font-size:.82rem;font-weight:600;white-space:nowrap;transition:background .15s,transform .15s;flex-shrink:0}
.compare-go:hover{background:var(--blue-h);transform:scale(1.02)}
.compare-go:disabled{opacity:.35;pointer-events:none}
.compare-clear{font-size:.72rem;color:var(--ink3);padding:.3rem .4rem;white-space:nowrap;flex-shrink:0}
.compare-clear:hover{color:var(--ink)}
.compare-check{position:absolute;top:.8rem;right:.8rem;width:20px;height:20px;border-radius:5px;border:2px solid var(--border);background:var(--white);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:all .18s;z-index:2;font-size:.58rem;color:#fff;-webkit-tap-highlight-color:transparent}
.compare-check.checked{background:var(--blue);border-color:var(--blue)}
.bank-card{position:relative}

/* ── COMPARE TABLE ── */
.cmp-wrap{overflow-x:auto;border-radius:0 0 var(--r-xl) var(--r-xl)}
.cmp-table{width:100%;border-collapse:collapse;font-size:.83rem}
.cmp-table th{padding:.7rem .85rem;background:var(--bg);font-size:.68rem;font-weight:600;color:var(--ink3);text-transform:uppercase;letter-spacing:.04em;text-align:center;border-bottom:1px solid var(--border2);white-space:nowrap}
.cmp-table th:first-child{text-align:left}
.cmp-table td{padding:.7rem .85rem;border-bottom:1px solid var(--border2);text-align:center;color:var(--ink2);vertical-align:middle}
.cmp-table td:first-child{text-align:left;font-weight:600;color:var(--ink);font-size:.78rem;background:var(--bg);white-space:nowrap}
.cmp-table tr:last-child td{border-bottom:none}
.cmp-bank-head{display:flex;flex-direction:column;align-items:center;gap:.35rem;padding:.3rem 0}
.cmp-logo{width:32px;height:32px;border-radius:9px;overflow:hidden;margin:0 auto}
.cmp-name{font-size:.78rem;font-weight:700;color:var(--ink)}
.cmp-ok{color:var(--green);font-weight:700}
.cmp-no{color:var(--ink3)}
.cmp-best{background:rgba(0,113,227,.06);font-weight:600;color:var(--ink)}
[data-theme="dark"] .cmp-best{background:rgba(59,158,255,.1)}

/* table mobile scroll hint */
.tbl-scroll-hint{display:none;align-items:center;gap:.35rem;font-size:.7rem;color:var(--ink3);margin-bottom:.5rem}
@media(max-width:768px){
  .tbl-scroll-hint{display:flex}
  .compare-bar{padding:.6rem .9rem;gap:.4rem}
  .compare-slots{gap:.3rem}
  .compare-slot{min-width:64px;font-size:.7rem;padding:.3rem .5rem}
}

/* touch-friendly tap targets everywhere */
@media(hover:none){
  .pill,.quiz-opt,.chart-tab,.modal-tab,.faq-q,.cta-open,.cta-det,.t-open,.nav-cta,.btn-primary,.btn-ghost,.cta-band-btn{min-height:44px;display:inline-flex;align-items:center;justify-content:center}
  .faq-q{min-height:52px}
  .bank-card:hover{transform:none;box-shadow:none}
  .pick:hover{transform:none;box-shadow:none}
  .hc:hover{transform:none;box-shadow:none}
}

/* ── BLOG SEO ── */
.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:1.4rem}
.blog-card{background:var(--card-bg);border-radius:var(--r-xl);overflow:hidden;border:1px solid var(--border2);transition:transform .2s,box-shadow .2s;cursor:pointer}
.blog-card:hover{transform:translateY(-3px);box-shadow:var(--sh-s)}
.blog-thumb{height:160px;display:flex;align-items:center;justify-content:center;font-size:3rem;background:linear-gradient(135deg,var(--accent-light,#f0f4ff),var(--card-bg))}
.blog-body{padding:1.2rem 1.4rem 1.4rem}
.blog-tag{display:inline-block;font-size:.65rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--accent);color:#fff;border-radius:20px;padding:.18rem .7rem;margin-bottom:.65rem}
.blog-title{font-size:.97rem;font-weight:700;line-height:1.4;margin-bottom:.5rem;color:var(--ink)}
.blog-excerpt{font-size:.8rem;color:var(--ink2);line-height:1.6;margin-bottom:.9rem}
.blog-meta{font-size:.7rem;color:var(--ink3);display:flex;gap:.9rem;align-items:center}
.blog-modal{display:none;position:fixed;inset:0;z-index:9000;background:rgba(0,0,0,.6);backdrop-filter:blur(4px);padding:1rem;overflow-y:auto}
.blog-modal.open{display:flex;align-items:flex-start;justify-content:center}
.blog-art{background:var(--bg);border-radius:var(--r-xl);max-width:760px;width:100%;padding:clamp(1.5rem,4vw,2.5rem);margin:auto;position:relative}
.blog-art-close{position:absolute;top:1rem;right:1rem;background:var(--card-bg);border:none;border-radius:50%;width:34px;height:34px;cursor:pointer;font-size:1rem;color:var(--ink);display:flex;align-items:center;justify-content:center}
.blog-art h1{font-size:clamp(1.2rem,3vw,1.65rem);font-weight:800;line-height:1.25;margin-bottom:.6rem}
.blog-art .art-meta{font-size:.75rem;color:var(--ink3);margin-bottom:1.5rem;display:flex;gap:1rem;flex-wrap:wrap}
.blog-art h2{font-size:1.05rem;font-weight:700;margin:1.8rem 0 .6rem;color:var(--ink)}
.blog-art p{font-size:.88rem;line-height:1.75;color:var(--ink2);margin-bottom:1rem}
.blog-art ul{padding-left:1.3rem;margin-bottom:1rem}
.blog-art ul li{font-size:.87rem;line-height:1.7;color:var(--ink2);margin-bottom:.3rem}
.blog-art .art-cta{display:inline-flex;align-items:center;gap:.5rem;background:var(--accent);color:#fff;border-radius:var(--r-sm);padding:.7rem 1.4rem;font-size:.85rem;font-weight:600;text-decoration:none;margin-top:1rem}
.blog-art table{width:100%;border-collapse:collapse;font-size:.82rem;margin:1rem 0 1.4rem}
.blog-art table th{background:var(--accent);color:#fff;padding:.5rem .7rem;text-align:left;font-size:.73rem}
.blog-art table td{padding:.5rem .7rem;border-bottom:1px solid var(--border2);color:var(--ink2)}
.blog-art table tr:nth-child(even) td{background:var(--card-bg)}
[data-theme="dark"] .blog-thumb{background:linear-gradient(135deg,#1c2340,#1c1c1e)}
[data-theme="dark"] .blog-art{background:#1c1c1e}
@media(max-width:600px){.blog-grid{grid-template-columns:1fr}.blog-art{padding:1.2rem}}

/* ── AVIS ENRICHIS ── */
.rv-filters{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:1.2rem}
.rv-filter-btn{background:var(--card-bg);border:1px solid var(--border2);border-radius:20px;padding:.32rem .85rem;font-size:.75rem;font-weight:600;cursor:pointer;transition:all .18s;color:var(--ink2)}
.rv-filter-btn.active,.rv-filter-btn:hover{background:var(--accent);color:#fff;border-color:var(--accent)}
.rv-stats-bar{display:flex;gap:2rem;background:var(--card-bg);border-radius:var(--r-xl);padding:1.2rem 1.5rem;margin-bottom:1.5rem;flex-wrap:wrap;align-items:center;border:1px solid var(--border2)}
.rv-global-score{text-align:center;flex-shrink:0}
.rv-global-num{font-size:3rem;font-weight:800;line-height:1;letter-spacing:-.04em;color:var(--ink)}
.rv-global-stars{color:#ff9f0a;font-size:1rem;margin:.2rem 0}
.rv-global-count{font-size:.72rem;color:var(--ink3)}
.rv-dist{flex:1;min-width:180px}
.rv-dist-row{display:flex;align-items:center;gap:.6rem;margin-bottom:.3rem;font-size:.74rem;color:var(--ink2)}
.rv-dist-bar{flex:1;height:6px;background:var(--border2);border-radius:3px;overflow:hidden}
.rv-dist-fill{height:100%;background:#ff9f0a;border-radius:3px;transition:width .6s ease}
.rv-card .rv-pros-cons{display:flex;gap:.5rem;margin-top:.7rem;flex-wrap:wrap}
.rv-pros-cons span{font-size:.7rem;padding:.2rem .6rem;border-radius:10px}
.rv-pro{background:#e6f9f0;color:#0a7a4c}
.rv-con{background:#fff0f0;color:#c0392b}
[data-theme="dark"] .rv-pro{background:#0a3020;color:#2ecc71}
[data-theme="dark"] .rv-con{background:#3a0a0a;color:#e74c3c}
.rv-verified{font-size:.66rem;color:var(--green);font-weight:600;display:flex;align-items:center;gap:.2rem}