:root {
    --green-darkest: #0B1F14;
    --green-dark: #1B4332;
    --green: #2D6A4F;
    --green-mid: #40916C;
    --green-light: #74C69D;
    --green-pale: #D8F3DC;
    --green-cream: #F0FAF4;
    --cream: #FAF8F2;
    --cream-warm: #F5F1E6;
    --ink: #0B1F14;
    --ink-soft: #2D3E33;
    --muted: #6B7C6F;
    --line: #E2E8DE;
    --accent: #E8A23C;
    --red: #C0392B;
  }
  * { margin: 0; padding: 0; box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    font-family: 'Inter', system-ui, sans-serif;
    background: var(--cream);
    color: var(--ink);
    line-height: 1.55;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
  }
  .display { font-family: 'Fraunces', serif; font-optical-sizing: auto; letter-spacing: -0.02em; }
  a { color: inherit; text-decoration: none; }
  img { display: block; max-width: 100%; }

  /* ── Grain overlay ─────────────────────────────────────── */
  body::before {
    content: '';
    position: fixed;
    inset: 0;
    pointer-events: none;
    z-index: 1000;
    opacity: 0.05;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
    mix-blend-mode: multiply;
  }

  /* ── Nav ─────────────────────────────────────────────────── */
  nav {
    position: fixed; top: 0; left: 0; right: 0;
    z-index: 100;
    padding: 18px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: rgba(250, 248, 242, 0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(43, 60, 47, 0.06);
  }
  nav .brand { display: flex; align-items: center; gap: 12px; }
  nav .brand img { width: 36px; height: 36px; border-radius: 9px; }
  nav .brand span { font-family: 'Fraunces', serif; font-weight: 900; font-size: 22px; letter-spacing: -0.02em; }
  nav ul { list-style: none; display: flex; gap: 36px; font-size: 14px; font-weight: 500; }
  nav ul a:hover { color: var(--green); }
  @media (max-width: 720px) { nav ul { display: none; } nav { padding: 16px 20px; } }

  /* ── Hero ────────────────────────────────────────────────── */
  .hero {
    min-height: 100vh;
    padding: 140px 32px 80px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    background:
      radial-gradient(ellipse at 50% 0%, rgba(216, 243, 220, 0.6) 0%, transparent 60%),
      radial-gradient(ellipse at 80% 100%, rgba(232, 162, 60, 0.08) 0%, transparent 50%),
      var(--cream);
  }
  .hero::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 1px;
    background: linear-gradient(to right, transparent, var(--line), transparent);
  }

  .badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: rgba(45, 106, 79, 0.08);
    border: 1px solid rgba(45, 106, 79, 0.2);
    border-radius: 100px;
    font-size: 12px;
    font-weight: 600;
    color: var(--green);
    margin-bottom: 32px;
    animation: fadeUp 0.8s 0.1s both;
  }
  .badge .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--green); animation: pulse 2s infinite; }

  .hero-icon {
    width: 120px; height: 120px;
    border-radius: 28px;
    overflow: hidden;
    margin-bottom: 32px;
    box-shadow:
      0 20px 60px -10px rgba(27, 67, 50, 0.4),
      0 0 0 1px rgba(255,255,255,0.1) inset;
    animation: fadeUp 0.8s 0.2s both, float 6s ease-in-out infinite;
  }
  .hero-icon img { width: 100%; height: 100%; object-fit: cover; }

  .hero h1 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(48px, 9vw, 110px);
    line-height: 0.95;
    letter-spacing: -0.04em;
    color: var(--ink);
    max-width: 900px;
    margin-bottom: 24px;
    animation: fadeUp 0.8s 0.3s both;
  }
  .hero h1 .accent {
    font-style: italic;
    font-weight: 400;
    color: var(--green);
    position: relative;
    display: inline-block;
  }
  .hero h1 .accent::after {
    content: '';
    position: absolute;
    bottom: 0.05em;
    left: 0;
    right: 0;
    height: 0.12em;
    background: var(--accent);
    z-index: -1;
    opacity: 0.6;
    transform: skewX(-8deg);
  }

  .hero p.tagline {
    font-size: clamp(16px, 2vw, 20px);
    color: var(--muted);
    max-width: 580px;
    margin-bottom: 40px;
    animation: fadeUp 0.8s 0.4s both;
  }
  .hero p.tagline strong { color: var(--ink); font-weight: 600; }

  .cta-row {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    justify-content: center;
    animation: fadeUp 0.8s 0.5s both;
  }
  .btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 28px;
    border-radius: 14px;
    font-size: 15px;
    font-weight: 700;
    transition: transform 0.2s, box-shadow 0.2s;
    cursor: pointer;
    border: none;
    font-family: inherit;
  }
  .btn-primary {
    background: var(--green-dark);
    color: var(--cream);
    box-shadow: 0 10px 30px -8px rgba(27, 67, 50, 0.5);
  }
  .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 16px 40px -8px rgba(27, 67, 50, 0.55); }
  .btn-secondary {
    background: transparent;
    color: var(--ink);
    border: 1.5px solid rgba(11, 31, 20, 0.2);
  }
  .btn-secondary:hover { background: var(--green-pale); border-color: var(--green); }
  .btn .arrow { transition: transform 0.2s; }
  .btn:hover .arrow { transform: translateX(3px); }

  .hero-meta {
    margin-top: 48px;
    display: flex;
    align-items: center;
    gap: 32px;
    color: var(--muted);
    font-size: 13px;
    animation: fadeUp 0.8s 0.6s both;
  }
  .hero-meta .check { color: var(--green); font-weight: 800; }
  @media (max-width: 600px) {
    .hero-meta { flex-direction: column; gap: 12px; margin-top: 36px; }
  }

  /* ── Why Bangon section ──────────────────────────────────── */
  .why {
    padding: 120px 32px;
    background: var(--cream);
    position: relative;
  }
  .container {
    max-width: 1200px;
    margin: 0 auto;
  }
  .section-label {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.2em;
    color: var(--green);
    text-transform: uppercase;
    margin-bottom: 16px;
  }
  .section-title {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(36px, 5.5vw, 64px);
    line-height: 1;
    letter-spacing: -0.03em;
    color: var(--ink);
    max-width: 800px;
    margin-bottom: 24px;
  }
  .section-sub {
    font-size: 18px;
    color: var(--muted);
    max-width: 600px;
    margin-bottom: 64px;
  }

  .why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  @media (max-width: 900px) { .why-grid { grid-template-columns: 1fr; } }

  .why-card {
    padding: 36px 28px;
    background: var(--cream-warm);
    border-radius: 24px;
    border: 1px solid var(--line);
    transition: transform 0.3s, box-shadow 0.3s;
    position: relative;
    overflow: hidden;
  }
  .why-card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px -20px rgba(11, 31, 20, 0.15); }
  .why-card .num {
    font-family: 'Fraunces', serif;
    font-size: 64px;
    font-weight: 900;
    line-height: 1;
    color: var(--green);
    opacity: 0.15;
    position: absolute;
    top: 16px;
    right: 24px;
  }
  .why-card .icon {
    width: 56px; height: 56px;
    border-radius: 16px;
    background: var(--green-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    margin-bottom: 24px;
  }
  .why-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 24px;
    color: var(--ink);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
  }
  .why-card p { color: var(--muted); font-size: 15px; line-height: 1.6; }

  /* ── Features section ────────────────────────────────────── */
  .features {
    padding: 120px 32px;
    background: var(--green-darkest);
    color: var(--cream);
    position: relative;
    overflow: hidden;
  }
  .features::before {
    content: '';
    position: absolute;
    top: -200px; left: -200px;
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(64, 145, 108, 0.2) 0%, transparent 70%);
  }
  .features::after {
    content: '';
    position: absolute;
    bottom: -200px; right: -200px;
    width: 600px; height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 162, 60, 0.1) 0%, transparent 70%);
  }
  .features .container { position: relative; z-index: 2; }
  .features .section-label { color: var(--green-light); }
  .features .section-title { color: var(--cream); }
  .features .section-sub { color: rgba(250, 248, 242, 0.65); }

  .features-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  @media (max-width: 720px) { .features-list { grid-template-columns: 1fr; } }
  .feature-item {
    padding: 36px 28px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    border-right: 1px solid rgba(255,255,255,0.1);
    display: flex;
    gap: 24px;
    transition: background 0.3s;
  }
  .feature-item:hover { background: rgba(255,255,255,0.03); }
  .feature-item:nth-child(2n) { border-right: none; }
  @media (max-width: 720px) { .feature-item { border-right: none; } }
  .feature-item .ico {
    flex-shrink: 0;
    width: 48px; height: 48px;
    border-radius: 14px;
    background: rgba(116, 198, 157, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    color: var(--green-light);
  }
  .feature-item h4 {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 19px;
    color: var(--cream);
    margin-bottom: 8px;
    letter-spacing: -0.01em;
  }
  .feature-item p {
    font-size: 14px;
    color: rgba(250, 248, 242, 0.6);
    line-height: 1.6;
  }

  /* ── Loan types section ──────────────────────────────────── */
  .loan-types {
    padding: 120px 32px;
    background: var(--cream-warm);
    text-align: center;
  }
  .types-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    max-width: 900px;
    margin: 56px auto 0;
  }
  .type-tag {
    padding: 12px 22px;
    background: white;
    border: 1px solid var(--line);
    border-radius: 100px;
    font-size: 14px;
    font-weight: 600;
    color: var(--ink-soft);
    transition: all 0.2s;
  }
  .type-tag:hover { background: var(--green-pale); border-color: var(--green); transform: translateY(-2px); }
  .type-tag .em { margin-right: 6px; }

  /* ── Privacy section ─────────────────────────────────────── */
  .privacy {
    padding: 120px 32px;
    background: var(--cream);
  }
  .privacy-card {
    max-width: 900px;
    margin: 0 auto;
    background: var(--green-pale);
    border-radius: 32px;
    padding: 56px;
    border: 1px solid var(--green-light);
    position: relative;
    overflow: hidden;
  }
  .privacy-card::before {
    content: '🔒';
    position: absolute;
    top: 32px; right: 40px;
    font-size: 56px;
    opacity: 0.15;
  }
  @media (max-width: 720px) { .privacy-card { padding: 36px 24px; } .privacy-card::before { font-size: 36px; top: 24px; right: 24px; } }
  .privacy-card h2 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(28px, 4vw, 44px);
    color: var(--green-dark);
    margin-bottom: 24px;
    letter-spacing: -0.02em;
    line-height: 1.05;
  }
  .privacy-card p {
    font-size: 15px;
    color: var(--ink-soft);
    line-height: 1.7;
    margin-bottom: 16px;
  }
  .privacy-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 20px;
    color: var(--green-dark);
    margin-top: 28px;
    margin-bottom: 10px;
  }
  .privacy-card ul {
    margin: 12px 0 16px 20px;
    color: var(--ink-soft);
    font-size: 15px;
    line-height: 1.7;
  }
  .privacy-card ul li { margin-bottom: 6px; }
  .privacy-card .updated {
    margin-top: 32px;
    padding-top: 24px;
    border-top: 1px solid rgba(45, 106, 79, 0.2);
    font-size: 13px;
    color: var(--muted);
    font-style: italic;
  }

  /* ── CTA Banner ──────────────────────────────────────────── */
  .cta-banner {
    padding: 100px 32px;
    background: var(--green-dark);
    color: var(--cream);
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-banner::before {
    content: '';
    position: absolute;
    top: 50%; left: 50%;
    width: 800px; height: 800px;
    transform: translate(-50%, -50%);
    background: radial-gradient(circle, rgba(232, 162, 60, 0.1) 0%, transparent 60%);
    border-radius: 50%;
  }
  .cta-banner .inner { position: relative; z-index: 2; max-width: 700px; margin: 0 auto; }
  .cta-banner h2 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(32px, 5vw, 56px);
    line-height: 1;
    margin-bottom: 16px;
    letter-spacing: -0.03em;
  }
  .cta-banner h2 .it { font-style: italic; font-weight: 400; color: var(--accent); }
  .cta-banner p { color: rgba(250, 248, 242, 0.7); font-size: 17px; margin-bottom: 32px; }
  .cta-banner .btn-primary { background: var(--cream); color: var(--green-dark); }

  /* ── Footer ──────────────────────────────────────────────── */
  footer {
    padding: 56px 32px 40px;
    background: var(--green-darkest);
    color: rgba(250, 248, 242, 0.6);
    font-size: 13px;
  }
  footer .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 24px;
  }
  footer .brand {
    display: flex; align-items: center; gap: 12px;
    color: var(--cream);
  }
  footer .brand img { width: 40px; height: 40px; border-radius: 10px; }
  footer .brand span { font-family: 'Fraunces', serif; font-weight: 900; font-size: 22px; }
  footer .links { display: flex; gap: 28px; }
  footer .links a:hover { color: var(--green-light); }
  footer .copyright { width: 100%; text-align: center; padding-top: 32px; margin-top: 32px; border-top: 1px solid rgba(255,255,255,0.08); font-size: 12px; }
  footer .copyright .ph { color: var(--accent); }

  /* ── Animations ──────────────────────────────────────────── */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
  }
  @keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
  }
  @keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.3); }
  }

  /* Reveal on scroll */
  .reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.8s ease, transform 0.8s ease; }
  .reveal.in { opacity: 1; transform: translateY(0); }

  /* ── Community sections (OLA Reviews, Stories, Tips) ────── */
  .community-section { padding: 80px 24px; }
  .community-section.alt { background: var(--cream-warm); }
  .community-section .container { max-width: 1100px; margin: 0 auto; }
  .community-section .header-row {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 36px;
    flex-wrap: wrap;
  }
  .community-section .header-row > div:first-child { flex: 1; min-width: 280px; }
  .community-section h2 { font-size: clamp(28px, 4vw, 40px); margin-top: 8px; letter-spacing: -0.02em; }
  .community-section .section-sub { color: var(--muted); max-width: 600px; margin-top: 12px; font-size: 15px; }
  .community-section .post-cta {
    background: var(--green);
    color: white;
    padding: 10px 18px;
    border-radius: 100px;
    font-weight: 700;
    font-size: 13px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    border: none;
    cursor: pointer;
    font-family: inherit;
    transition: background 0.2s, transform 0.2s;
  }
  .community-section .post-cta:hover { background: var(--green-dark); transform: translateY(-1px); }

  /* OLA Reviews grid */
  .ola-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 14px; }
  .ola-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 14px 16px;
    cursor: pointer;
    transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  }
  .ola-card:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(45, 106, 79, 0.1); border-color: var(--green-light); }
  .ola-card.cdo { background: #FFF1F0; border-left: 4px solid var(--red); }
  .ola-card .top-row { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; }
  .ola-card .avatar {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: var(--green-pale);
    color: var(--green-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 14px;
    flex-shrink: 0;
  }
  .ola-card .name { font-weight: 800; font-size: 14px; color: var(--ink); flex: 1; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
  .ola-card .badge-status {
    font-size: 9px;
    font-weight: 900;
    letter-spacing: 0.5px;
    padding: 2px 6px;
    border-radius: 4px;
    flex-shrink: 0;
  }
  .ola-card .badge-status.registered { background: var(--green-pale); color: var(--green-dark); }
  .ola-card .badge-status.cdo { background: var(--red); color: white; }
  .ola-card .meta { font-size: 11px; color: var(--muted); margin-bottom: 8px; }
  .ola-card .stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; padding-top: 8px; border-top: 1px solid var(--line); }
  .ola-card .stat-cell { text-align: center; }
  .ola-card .stat-label { font-size: 8.5px; font-weight: 800; color: var(--muted); letter-spacing: 0.4px; }
  .ola-card .stat-value { font-size: 13px; font-weight: 900; color: var(--ink); margin-top: 2px; }
  .ola-card .stat-value.warn { color: var(--red); }
  .ola-card .no-reviews { font-size: 10px; color: var(--muted); font-style: italic; padding-top: 6px; border-top: 1px solid var(--line); text-align: center; }
  .cdo-warning {
    background: #FFF1F0;
    border-left: 4px solid var(--red);
    border-radius: 10px;
    padding: 14px 18px;
    margin-bottom: 24px;
    font-size: 13px;
    color: #8B1A0F;
    line-height: 1.5;
  }

  /* Stories grid */
  .stories-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; }
  .story-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 16px 18px;
    cursor: pointer;
    transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
  .story-card:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(45, 106, 79, 0.1); border-color: var(--green-light); }
  .story-card .author-row { display: flex; align-items: center; gap: 8px; }
  .story-card .author-avatar {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--green-pale);
    color: var(--green-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 11px;
    flex-shrink: 0;
  }
  .story-card .author-name { font-size: 12px; font-weight: 700; color: var(--ink); }
  .story-card .seed-pill { font-size: 8.5px; font-weight: 900; color: var(--green-dark); background: var(--green-pale); border-radius: 4px; padding: 2px 5px; letter-spacing: 0.4px; }
  .story-card .date { font-size: 10px; color: var(--muted); margin-left: auto; }
  .story-card .title { font-size: 15px; font-weight: 900; color: var(--ink); line-height: 1.3; }
  .story-card .preview { font-size: 12px; color: var(--muted); line-height: 1.5; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
  .story-card .tags { display: flex; gap: 4px; flex-wrap: wrap; }
  .story-card .tag { font-size: 9px; font-weight: 700; color: var(--muted); background: var(--green-cream); border-radius: 4px; padding: 2px 6px; }
  .story-card .meta-row { display: flex; align-items: center; gap: 12px; padding-top: 8px; border-top: 1px solid var(--line); font-size: 11px; color: var(--muted); }
  .story-card .upvotes { font-weight: 800; color: var(--ink); }

  /* Articles grid */
  .articles-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 14px; }
  .article-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 14px 16px;
    cursor: pointer;
    display: flex;
    gap: 12px;
    align-items: flex-start;
    transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
    position: relative;
  }
  .article-card.tips { border-left: 4px solid var(--green); }
  .article-card.guide { border-left: 4px solid #3B82F6; }
  .article-card.warning { border-left: 4px solid #E8A23C; }
  .article-card.legal { border-left: 4px solid #6C63FF; }
  .article-card.success { border-left: 4px solid var(--green); }
  .article-card:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(45, 106, 79, 0.1); border-color: var(--green-light); }
  .article-card .emoji {
    font-size: 28px;
    flex-shrink: 0;
    background: var(--green-cream);
    width: 50px;
    height: 50px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .article-card .a-content { flex: 1; min-width: 0; }
  .article-card .a-title { font-size: 14px; font-weight: 800; color: var(--ink); line-height: 1.3; margin-bottom: 4px; }
  .article-card .a-summary { font-size: 11px; color: var(--muted); line-height: 1.4; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
  .article-card .a-meta { display: flex; align-items: center; gap: 8px; margin-top: 8px; }
  .article-card .a-category {
    font-size: 8.5px;
    font-weight: 900;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    padding: 2px 6px;
    border-radius: 4px;
  }
  .article-card.tips .a-category { background: var(--green-pale); color: var(--green-dark); }
  .article-card.guide .a-category { background: #DCEBFE; color: #1E40AF; }
  .article-card.warning .a-category { background: #FEF3C7; color: #92400E; }
  .article-card.legal .a-category { background: #E5E5FF; color: #4B3DD0; }
  .article-card.success .a-category { background: var(--green-pale); color: var(--green-dark); }
  .article-card .a-read-time { font-size: 10px; color: var(--muted); }

  /* Loading skeletons */
  .skel { background: linear-gradient(90deg, #F0F0F0, #FAFAFA, #F0F0F0); background-size: 200% 100%; animation: shimmer 1.5s infinite; border-radius: 8px; }
  @keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }
  .loading-card { height: 140px; }

  /* Modal */
  .modal-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(11, 31, 20, 0.7);
    backdrop-filter: blur(4px);
    z-index: 999;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
    overflow-y: auto;
  }
  .modal-backdrop.open { display: flex; animation: fadeIn 0.2s ease; }
  @keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
  .modal-content {
    background: white;
    border-radius: 20px;
    max-width: 720px;
    width: 100%;
    max-height: 90vh;
    display: flex;
    flex-direction: column;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    animation: slideUp 0.3s ease;
  }
  @keyframes slideUp { from { transform: translateY(20px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
  .modal-header {
    flex-shrink: 0;
    padding: 18px 24px;
    border-bottom: 1px solid var(--line);
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .modal-header .close-btn {
    background: none;
    border: none;
    font-size: 22px;
    cursor: pointer;
    color: var(--muted);
    margin-left: auto;
    padding: 4px 8px;
    line-height: 1;
  }
  .modal-body { flex: 1; overflow-y: auto; padding: 20px 28px; }
  .modal-body h1, .modal-body h2, .modal-body h3 { font-family: 'Fraunces', serif; color: var(--ink); }
  .modal-body h1 { font-size: 26px; line-height: 1.2; margin-bottom: 14px; letter-spacing: -0.02em; }
  .modal-body h2 { font-size: 18px; margin-top: 18px; margin-bottom: 8px; }
  .modal-body h3 { font-size: 15px; margin-top: 14px; margin-bottom: 6px; }
  .modal-body p { font-size: 14px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 10px; }
  .modal-body ul, .modal-body ol { padding-left: 22px; margin-bottom: 10px; }
  .modal-body li { font-size: 14px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 4px; }
  .modal-body strong { color: var(--ink); font-weight: 700; }
  .modal-body .tags-row { display: flex; gap: 6px; flex-wrap: wrap; margin: 14px 0 18px; }
  .modal-body .tag { font-size: 10px; font-weight: 700; color: var(--muted); background: var(--green-cream); border-radius: 6px; padding: 4px 10px; }
  .modal-body .author-block { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
  .modal-body .author-block .a-avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--green-pale); color: var(--green-dark); display: flex; align-items: center; justify-content: center; font-weight: 900; font-size: 14px; }
  .modal-body .author-block .a-name { font-weight: 800; font-size: 13px; color: var(--ink); }
  .modal-body .author-block .a-date { font-size: 11px; color: var(--muted); }
  .modal-footer {
    flex-shrink: 0;
    padding: 14px 24px 18px;
    border-top: 1px solid var(--line);
    background: var(--cream);
    display: flex;
    align-items: center;
    gap: 12px;
  }
  .modal-footer .info-text { flex: 1; font-size: 12px; color: var(--muted); }
  .modal-footer .download-btn {
    background: var(--green);
    color: white;
    padding: 10px 18px;
    border-radius: 100px;
    font-weight: 700;
    font-size: 13px;
    border: none;
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: inherit;
    white-space: nowrap;
  }
  .modal-footer .download-btn:hover { background: var(--green-dark); }