/* =====================================================================
   CAPITAL DECODED — DESIGN SYSTEM  (dark, bold, editorial)
   ===================================================================== */
:root{
  --bg:#0A0E1A; --bg-soft:#0F1525; --bg-card:#131B2E; --bg-card-2:#182238;
  --line:#233048; --text:#F5F7FA; --muted:#9AA7BD; --muted-2:#6B7890;
  --gold:#E8B43A; --gold-soft:#f5cd6e; --green:#2ECC8F;
  --radius:18px; --radius-sm:12px; --maxw:1120px;
  --serif:Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --shadow:0 18px 50px rgba(0,0,0,.45);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:18px;line-height:1.7;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--gold);text-decoration:none}
a:hover{color:var(--gold-soft)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--serif);line-height:1.15;letter-spacing:.2px}
h1{font-size:clamp(2.2rem,5vw,3.6rem);margin:0 0 .4em}
h2{font-size:clamp(1.6rem,3vw,2.3rem);margin:0 0 .5em}
h3{font-size:1.25rem;margin:0 0 .4em}
.eyebrow{font-family:var(--sans);text-transform:uppercase;letter-spacing:2.5px;font-size:.78rem;font-weight:700;color:var(--gold);margin:0 0 14px}
.text-muted{color:var(--muted)}
.btn{display:inline-block;font-weight:700;font-size:1rem;padding:14px 28px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:transform .12s ease,background .2s ease,color .2s ease}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--gold);color:#1a1205}
.btn-primary:hover{background:var(--gold-soft);color:#1a1205}
.btn-ghost{border-color:var(--line);color:var(--text)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,14,26,.82);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand img{height:40px;width:auto}
.nav{display:flex;align-items:center;gap:30px}
.nav a{color:var(--muted);font-weight:600;font-size:.98rem;font-family:var(--sans);transition:color .15s ease}
.nav a:hover,.nav a.active{color:var(--text)}
.nav .btn{padding:10px 22px;font-size:.92rem}
.nav-toggle{display:none;background:none;border:0;color:var(--text);font-size:1.6rem;cursor:pointer}
.hero{position:relative;padding:96px 0 84px;background:radial-gradient(900px 420px at 78% -10%,rgba(232,180,58,.16),transparent 60%),radial-gradient(700px 380px at 0% 10%,rgba(46,204,143,.08),transparent 55%);border-bottom:1px solid var(--line)}
.hero .narrow{margin:0 auto;max-width:880px;text-align:left}
.hero h1{max-width:14ch}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:60ch;margin:0 0 32px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.section{padding:76px 0}
.section-sm{padding:52px 0}
.section-head{max-width:640px;margin:0 0 40px}
.divider{border:0;border-top:1px solid var(--line);margin:0}
.featured-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:28px}
.feature-card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.feature-card .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,#16203a,#0c1322);display:flex;align-items:center;justify-content:center}
.feature-card .body{padding:26px 28px 30px}
.tag{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--gold);background:rgba(232,180,58,.12);padding:5px 12px;border-radius:999px;margin-bottom:14px}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}
.tile{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;transition:transform .15s ease,border-color .2s ease,background .2s ease}
.tile:hover{transform:translateY(-4px);border-color:var(--gold);background:var(--bg-card-2)}
.tile .ic{width:52px;height:52px;border-radius:14px;background:rgba(232,180,58,.12);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.tile h3{color:var(--text)}
.tile p{color:var(--muted);margin:0;font-size:.98rem}
.band{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band .narrow{text-align:center;padding-top:70px;padding-bottom:70px}
.band h2{margin-bottom:.3em}
.band p{color:var(--muted);font-size:1.12rem}
.newsletter{background:radial-gradient(600px 300px at 50% -40%,rgba(232,180,58,.18),transparent 60%),var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:56px 40px;text-align:center;box-shadow:var(--shadow)}
.newsletter h2{margin-bottom:.3em}
.newsletter p{color:var(--muted);max-width:52ch;margin:0 auto 28px}
.signup{display:flex;gap:10px;max-width:480px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.signup input[type=email]{flex:1;min-width:220px;background:var(--bg);border:1.5px solid var(--line);color:var(--text);padding:14px 18px;border-radius:999px;font-size:1rem;outline:none}
.signup input[type=email]:focus{border-color:var(--gold)}
.signup .note{width:100%;color:var(--muted-2);font-size:.82rem;margin-top:6px}
.form-msg{margin-top:16px;color:var(--green);font-weight:600;min-height:1.2em}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:34px}
.chip{border:1.5px solid var(--line);color:var(--muted);padding:8px 18px;border-radius:999px;font-size:.9rem;font-weight:600;background:none;cursor:pointer;transition:all .15s ease}
.chip:hover{color:var(--text);border-color:var(--muted)}
.chip.active{background:var(--gold);color:#1a1205;border-color:var(--gold)}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post-card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .15s ease,border-color .2s ease}
.post-card:hover{transform:translateY(-4px);border-color:var(--gold)}
.post-card .thumb{aspect-ratio:16/9}
.post-card .body{padding:22px 22px 26px;flex:1;display:flex;flex-direction:column}
.post-card h3{color:var(--text);font-size:1.2rem}
.post-card .snippet{color:var(--muted);font-size:.96rem;flex:1}
.post-card .meta{color:var(--muted-2);font-size:.82rem;margin-top:16px}
.thumb-wealth-mindset{background:linear-gradient(135deg,#3a2456,#0c1322)}
.thumb-borrower-guides{background:linear-gradient(135deg,#1d2a4d,#0c1322)}
.thumb-investor-insights{background:linear-gradient(135deg,#143a30,#0c1322)}
.thumb-market-updates{background:linear-gradient(135deg,#3a2f14,#0c1322)}
.thumb-default{background:linear-gradient(135deg,#16203a,#0c1322)}
.thumb-label{font-family:var(--serif);font-size:1.5rem;color:rgba(245,247,250,.25);text-align:center;padding:20px;font-weight:700}
.article-hero{padding:64px 0 32px}
.article-hero .tag{margin-bottom:18px}
.article-meta{color:var(--muted-2);font-size:.9rem;margin-top:10px}
.article-body{font-size:1.12rem}
.article-body p{margin:0 0 1.3em}
.article-body h2{margin-top:1.6em}
.article-body h3{margin-top:1.4em;color:var(--gold-soft)}
.article-body ul,.article-body ol{padding-left:1.3em;margin:0 0 1.3em}
.article-body li{margin-bottom:.5em}
.article-body blockquote{border-left:3px solid var(--gold);margin:1.6em 0;padding:6px 0 6px 24px;color:var(--gold-soft);font-style:italic;font-size:1.2rem}
.article-body a{text-decoration:underline}
.article-body img{border-radius:var(--radius-sm);margin:1.6em 0}
.inline-cta{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:30px 32px;margin:44px 0;text-align:center}
.inline-cta h3{color:var(--text)}
.inline-cta p{color:var(--muted);margin:0 0 20px}
.video-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.video-card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.video-card .frame{aspect-ratio:16/9}
.video-card .frame iframe{width:100%;height:100%;border:0}
.video-card .body{padding:18px 20px 22px}
.empty-state{text-align:center;padding:70px 20px;color:var(--muted);border:1px dashed var(--line);border-radius:var(--radius);background:var(--bg-soft)}
.resource-list{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.resource-card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:30px 30px;display:flex;flex-direction:column}
.resource-card h3{color:var(--text)}
.resource-card p{color:var(--muted);flex:1}
.resource-card .gate{margin-top:18px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.field{margin-bottom:18px}
.field label{display:block;font-size:.85rem;font-weight:700;color:var(--muted);margin-bottom:7px;text-transform:uppercase;letter-spacing:1px}
.field input,.field textarea{width:100%;background:var(--bg);border:1.5px solid var(--line);color:var(--text);padding:13px 16px;border-radius:var(--radius-sm);font-size:1rem;font-family:var(--sans);outline:none}
.field input:focus,.field textarea:focus{border-color:var(--gold)}
.field textarea{min-height:140px;resize:vertical}
.site-footer{background:var(--bg-soft);border-top:1px solid var(--line);padding:56px 0 40px;margin-top:20px}
.footer-grid{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.footer-brand img{height:38px;margin-bottom:14px}
.footer-brand p{color:var(--muted);max-width:32ch;font-size:.95rem}
.footer-links{display:flex;gap:60px;flex-wrap:wrap}
.footer-col h4{font-family:var(--sans);font-size:.78rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--muted-2);margin:0 0 14px}
.footer-col a{display:block;color:var(--muted);font-size:.95rem;margin-bottom:10px}
.footer-col a:hover{color:var(--text)}
.socials{display:flex;gap:14px;margin-top:6px}
.socials a{width:40px;height:40px;border:1px solid var(--line);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--muted)}
.socials a:hover{border-color:var(--gold);color:var(--gold)}
.footer-bottom{margin-top:44px;padding-top:24px;border-top:1px solid var(--line);color:var(--muted-2);font-size:.85rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
@media (max-width:900px){
  .featured-grid,.contact-grid{grid-template-columns:1fr}
  .post-grid,.video-grid,.resource-list{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  body{font-size:17px}
  .nav{position:fixed;inset:76px 0 auto 0;flex-direction:column;gap:0;background:var(--bg-soft);border-bottom:1px solid var(--line);padding:12px 0;transform:translateY(-130%);transition:transform .25s ease}
  .nav.open{transform:translateY(0)}
  .nav a{padding:14px 24px;width:100%}
  .nav .btn{margin:10px 24px;text-align:center}
  .nav-toggle{display:block}
  .post-grid,.video-grid,.resource-list{grid-template-columns:1fr}
  .hero{padding:64px 0 56px}
  .section{padding:56px 0}
}