:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-2: #eef3f8;
  --text: #102033;
  --muted: #627087;
  --line: #dce4ee;
  --primary: #155eef;
  --primary-dark: #0b3ca8;
  --green: #087a55;
  --red: #c5363f;
  --yellow: #a96200;
  --shadow: 0 16px 45px rgba(27, 45, 72, .10);
  --radius: 22px;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
a { color: inherit; }
button, input, select { font: inherit; }
img { max-width: 100%; }

.container { width: min(var(--max), calc(100% - 32px)); margin-inline: auto; }

.topbar {
  background: #0c1d33;
  color: #dce8f7;
  font-size: 13px;
  text-align: center;
  padding: 8px 16px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(220,228,238,.85);
}
.nav {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { text-decoration: none; display: flex; align-items: center; gap: 11px; font-weight: 850; letter-spacing: -.03em; font-size: 20px; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 12px;
  display: grid; place-items: center;
  color: #fff; background: linear-gradient(135deg, #155eef, #6d5dfc);
  box-shadow: 0 8px 24px rgba(21,94,239,.25);
}
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-links a { text-decoration: none; color: #3a4a60; font-weight: 650; font-size: 14px; }
.nav-links a:hover, .nav-links a.active { color: var(--primary); }
.menu-btn { display: none; border: 0; background: var(--surface-2); border-radius: 12px; padding: 10px 12px; cursor: pointer; }

.hero {
  padding: 78px 0 56px;
  background:
    radial-gradient(circle at 82% 20%, rgba(109,93,252,.20), transparent 29%),
    radial-gradient(circle at 15% 5%, rgba(21,94,239,.18), transparent 25%),
    linear-gradient(180deg, #fff, #f4f7fb);
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 48px; }
.eyebrow { color: var(--primary); text-transform: uppercase; letter-spacing: .12em; font-weight: 800; font-size: 13px; }
h1 { margin: 12px 0 18px; font-size: clamp(42px, 6vw, 72px); line-height: 1.02; letter-spacing: -.055em; }
.hero p { color: var(--muted); font-size: 19px; max-width: 680px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 0 20px; border-radius: 14px; text-decoration: none; border: 1px solid transparent; font-weight: 800; cursor: pointer; }
.btn-primary { color: #fff; background: var(--primary); box-shadow: 0 10px 24px rgba(21,94,239,.22); }
.btn-primary:hover { background: var(--primary-dark); }
.btn-secondary { color: var(--text); background: #fff; border-color: var(--line); }

.hero-panel { background: rgba(255,255,255,.88); border: 1px solid #fff; box-shadow: var(--shadow); padding: 24px; border-radius: 28px; transform: rotate(1deg); }
.hero-panel h3 { margin: 0 0 16px; font-size: 17px; }
.mini-bank { display: grid; grid-template-columns: 48px 1fr auto; gap: 12px; align-items: center; padding: 13px 0; border-bottom: 1px solid var(--line); }
.mini-bank:last-child { border-bottom: 0; }
.bank-icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; font-weight: 900; color: #fff; letter-spacing: -.04em; }
.mini-bank strong { display: block; }
.mini-bank span { color: var(--muted); font-size: 13px; }
.score-pill { background: #e8f7f0; color: var(--green) !important; padding: 5px 9px; border-radius: 999px; font-weight: 850; }

.section { padding: 72px 0; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 24px; margin-bottom: 28px; }
.section-head h2 { margin: 5px 0 0; font-size: clamp(30px, 4vw, 46px); letter-spacing: -.04em; line-height: 1.1; }
.section-head p { max-width: 600px; color: var(--muted); margin: 0; }

.filters { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }
.search-box { flex: 1 1 280px; position: relative; }
.search-box input, .filters select { width: 100%; min-height: 48px; border: 1px solid var(--line); background: #fff; border-radius: 14px; padding: 0 15px; outline: none; color: var(--text); }
.search-box input:focus, .filters select:focus { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(21,94,239,.10); }
.filters select { width: auto; min-width: 210px; }

.bank-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.bank-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: 0 8px 26px rgba(21,38,65,.05); transition: .2s ease; display: flex; flex-direction: column; }
.bank-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); border-color: #cbd8e9; }
.bank-card.featured { grid-column: span 2; background: linear-gradient(145deg, #fff, #f0f5ff); }
.card-top { display: flex; justify-content: space-between; gap: 14px; align-items: flex-start; }
.bank-logo { width: 62px; height: 62px; display: grid; place-items: center; border-radius: 18px; color: #fff; font-size: 17px; font-weight: 900; }
.badge { font-size: 12px; font-weight: 850; padding: 6px 10px; border-radius: 999px; background: #eef3f8; color: #50627a; }
.badge-green { background: #e8f7f0; color: var(--green); }
.bank-card h3 { margin: 19px 0 4px; font-size: 25px; letter-spacing: -.035em; }
.bank-card .tagline { color: var(--muted); min-height: 50px; margin: 0; }
.rating { display: flex; align-items: center; gap: 10px; margin: 20px 0 16px; }
.rating strong { font-size: 25px; }
.stars { color: #e2a400; letter-spacing: 2px; }
.quick-list { margin: 0 0 20px; padding: 0; list-style: none; display: grid; gap: 8px; color: #3d4d63; font-size: 14px; }
.quick-list li::before { content: "✓"; color: var(--green); font-weight: 900; margin-right: 9px; }
.card-link { margin-top: auto; color: var(--primary); font-weight: 850; text-decoration: none; }
.card-link:hover { text-decoration: underline; }

.compare-wrap { overflow-x: auto; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 8px 26px rgba(21,38,65,.05); }
.compare-table { width: 100%; border-collapse: collapse; min-width: 850px; }
.compare-table th, .compare-table td { padding: 18px 20px; border-bottom: 1px solid var(--line); text-align: left; }
.compare-table th { background: #f8fafc; font-size: 13px; color: #5a6a80; text-transform: uppercase; letter-spacing: .05em; }
.compare-table tr:last-child td { border-bottom: 0; }
.compare-table a { color: var(--primary); font-weight: 800; text-decoration: none; }

.method-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.method-card { padding: 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.method-card .num { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 12px; background: #eaf1ff; color: var(--primary); font-weight: 900; }
.method-card h3 { margin: 17px 0 8px; }
.method-card p { color: var(--muted); margin: 0; }

.cta { border-radius: 30px; padding: 42px; background: linear-gradient(125deg, #0c1d33, #183a68); color: #fff; display: flex; justify-content: space-between; align-items: center; gap: 30px; }
.cta h2 { margin: 0 0 8px; font-size: 34px; letter-spacing: -.04em; }
.cta p { margin: 0; color: #c8d7eb; }

footer { margin-top: 72px; padding: 42px 0; background: #0c1d33; color: #c8d7eb; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 28px; }
footer h4 { color: #fff; margin: 0 0 12px; }
footer p, footer a { font-size: 14px; color: #aebed2; }
footer a { display: block; text-decoration: none; margin: 7px 0; }
footer a:hover { color: #fff; }
.copyright { border-top: 1px solid rgba(255,255,255,.12); margin-top: 30px; padding-top: 20px; font-size: 13px; color: #8498b3; }

/* Review page */
.review-hero { padding: 56px 0 38px; background: linear-gradient(180deg, #fff, #f4f7fb); }
.breadcrumbs { color: var(--muted); font-size: 13px; margin-bottom: 24px; }
.breadcrumbs a { color: var(--primary); text-decoration: none; }
.review-title { display: grid; grid-template-columns: 90px 1fr auto; gap: 22px; align-items: center; }
.review-title .bank-logo { width: 88px; height: 88px; font-size: 23px; border-radius: 25px; }
.review-title h1 { font-size: clamp(38px, 5vw, 62px); margin: 0 0 5px; }
.review-title p { margin: 0; color: var(--muted); }
.big-score { min-width: 150px; background: #fff; border: 1px solid var(--line); padding: 17px 20px; border-radius: 18px; text-align: center; box-shadow: 0 8px 24px rgba(21,38,65,.06); }
.big-score strong { display: block; font-size: 32px; }
.big-score span { color: var(--muted); font-size: 13px; }

.review-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 30px; align-items: start; }
.content-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; margin-bottom: 20px; }
.content-card h2 { font-size: 27px; margin: 0 0 16px; letter-spacing: -.035em; }
.content-card p { color: #425269; }
.summary-box { font-size: 18px; color: #27384e !important; border-left: 4px solid var(--primary); padding-left: 18px; }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.pros, .cons { border-radius: 18px; padding: 20px; }
.pros { background: #effaf5; border: 1px solid #cceede; }
.cons { background: #fff4f4; border: 1px solid #f3d2d4; }
.pros h3 { color: var(--green); }
.cons h3 { color: var(--red); }
.pros ul, .cons ul { margin: 0; padding-left: 20px; }
.pros li, .cons li { margin: 9px 0; }

.score-row { display: grid; grid-template-columns: 165px 1fr 44px; gap: 12px; align-items: center; margin: 15px 0; }
.score-row span:first-child { font-weight: 700; font-size: 14px; }
.bar { height: 10px; background: #e8eef5; border-radius: 999px; overflow: hidden; }
.bar i { display: block; height: 100%; width: var(--score); background: linear-gradient(90deg, #155eef, #6d5dfc); border-radius: inherit; }
.score-row b { text-align: right; }

.sidebar { position: sticky; top: 96px; }
.side-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-bottom: 16px; }
.side-card h3 { margin: 0 0 14px; }
.side-card dl { margin: 0; }
.side-card dt { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .06em; margin-top: 13px; }
.side-card dd { margin: 3px 0 0; font-weight: 750; }
.official-link { width: 100%; }
.notice { background: #fff8e9; border: 1px solid #f1ddb1; color: #725015; padding: 16px; border-radius: 16px; font-size: 13px; }
.source-list { padding-left: 20px; }
.source-list li { margin: 9px 0; }
.source-list a { color: var(--primary); }

.logo-argenta { background: linear-gradient(135deg,#149b55,#056e3c); }
.logo-vdk { background: linear-gradient(135deg,#f4a700,#d36a00); }
.logo-kbc { background: linear-gradient(135deg,#0068b7,#00a1de); }
.logo-belfius { background: linear-gradient(135deg,#d80045,#8a0035); }
.logo-bnp { background: linear-gradient(135deg,#008a66,#004d3b); }

.hidden { display: none !important; }

@media (max-width: 900px) {
  .hero-grid, .review-layout { grid-template-columns: 1fr; }
  .hero-panel { max-width: 620px; }
  .bank-grid { grid-template-columns: 1fr 1fr; }
  .bank-card.featured { grid-column: span 1; }
  .method-grid { grid-template-columns: 1fr; }
  .sidebar { position: static; }
}
@media (max-width: 720px) {
  .nav-links { display: none; position: absolute; inset: 74px 16px auto; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 16px; flex-direction: column; align-items: stretch; box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .menu-btn { display: block; }
  .hero { padding-top: 50px; }
  .hero-grid { gap: 30px; }
  .bank-grid, .footer-grid, .pros-cons { grid-template-columns: 1fr; }
  .section-head { display: block; }
  .section-head p { margin-top: 12px; }
  .review-title { grid-template-columns: 74px 1fr; }
  .review-title .bank-logo { width: 70px; height: 70px; border-radius: 20px; font-size: 18px; }
  .big-score { grid-column: 1 / -1; text-align: left; display: flex; justify-content: space-between; align-items: center; }
  .cta { padding: 28px; align-items: flex-start; flex-direction: column; }
  .content-card { padding: 22px; }
  .score-row { grid-template-columns: 120px 1fr 36px; }
}

/* Belgium / locale refinements */
.locale-note { display: inline-flex; align-items: center; gap: 10px; margin-top: 22px; color: var(--muted); font-size: 14px; font-weight: 650; }
.locale-note span, .country-chip { display: inline-flex; align-items: center; width: fit-content; border: 1px solid #d9e4f2; background: #fff; border-radius: 999px; padding: 5px 10px; color: #33465f; font-size: 12px; font-weight: 850; letter-spacing: .03em; }
.country-chip { margin-bottom: 8px; }
.section-alt { background: #eef3f8; }
.review-section { padding-top: 32px; }
.notice strong { display: block; margin-bottom: 4px; }
@media (max-width: 720px) { .topbar { font-size: 12px; } }