:root {
  color-scheme: light;
  --bg: #f8fafc;
  --text: #0f172a;
  --muted: #64748b;
  --border: #e2e8f0;
  --accent: #0369a1;
  --card-shadow: 0 8px 30px rgba(15, 23, 42, 0.08);
}

* { box-sizing: border-box; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  line-height: 1.65;
  margin: 0;
  background: var(--bg);
  color: var(--text);
}

.wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 24px 20px 48px;
}

.hero {
  background: linear-gradient(135deg, #0f172a, #1e3a5f, var(--accent));
  border-radius: 22px;
  padding: 28px 24px;
  color: #fff;
  box-shadow: var(--card-shadow);
  margin-bottom: 20px;
}

.hero h1 {
  margin: 0 0 10px;
  font-size: clamp(1.2rem, 3.2vw, 1.55rem);
  line-height: 1.35;
}

.hero p {
  margin: 0;
  opacity: 0.92;
  font-size: 0.95rem;
}

.card {
  background: #fff;
  border-radius: 16px;
  padding: 24px 22px;
  box-shadow: var(--card-shadow);
  border: 1px solid var(--border);
  margin-bottom: 16px;
}

.card h2 {
  margin: 0 0 12px;
  font-size: 1.15rem;
}

.card h3 {
  margin: 20px 0 8px;
  font-size: 1rem;
}

.card p, .card li {
  color: #334155;
}

.card ol, .card ul {
  padding-left: 1.25rem;
}

.card li { margin-bottom: 8px; }

.topnav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
  font-size: 0.9rem;
}

.topnav a {
  color: var(--accent);
  text-decoration: none;
}

.topnav a:hover { text-decoration: underline; }

.bank-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.bank-list a {
  display: block;
  padding: 14px 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  box-shadow: 0 2px 10px rgba(15, 23, 42, 0.04);
}

.bank-list a:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.cta {
  display: inline-block;
  margin-top: 8px;
  padding: 12px 20px;
  background: linear-gradient(135deg, #0369a1, #0ea5e9);
  color: #fff !important;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 600;
}

.tip {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 12px;
  padding: 14px 16px;
  margin: 16px 0;
  font-size: 0.92rem;
}

footer.site-footer {
  text-align: center;
  color: var(--muted);
  font-size: 0.85rem;
  padding: 24px 20px 40px;
}

footer.site-footer a {
  color: var(--accent);
  text-decoration: none;
}