:root {
  --bg: #fafaf8;
  --bg-card: #ffffff;
  --text: #1a1a1a;
  --text-muted: #666;
  --accent: #1a5276;
  --accent-light: #e8f0f7;
  --border: #e0e0d8;
  --tag-banking: #1a5276;
  --tag-healthcare: #1a6644;
  --tag-taxes: #7d3c1a;
  --tag-housing: #4a235a;
  --tag-identity: #1a4a5a;
  --tag-telecoms: #2c3e50;
  --max-width: 900px;
  --font-body: 'Georgia', 'Times New Roman', serif;
  --font-ui: system-ui, -apple-system, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  font-size: 17px;
  line-height: 1.7;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

/* HEADER */
.site-header {
  background: var(--accent);
  color: white;
  padding: 0;
}
.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 32px 24px 28px;
}
.site-title {
  font-size: 28px;
  font-weight: 700;
  letter-spacing: -0.5px;
  font-family: var(--font-ui);
}
.site-title a { color: white; }
.site-tagline {
  font-size: 14px;
  opacity: 0.8;
  margin-top: 4px;
  font-family: var(--font-ui);
}

/* NAV */
.main-nav {
  background: #14405e;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  gap: 0;
  overflow-x: auto;
}
.nav-inner a {
  color: rgba(255,255,255,0.8);
  font-family: var(--font-ui);
  font-size: 13px;
  padding: 12px 16px;
  display: block;
  white-space: nowrap;
  letter-spacing: 0.3px;
}
.nav-inner a:hover { color: white; text-decoration: none; background: rgba(255,255,255,0.08); }
.nav-inner a.active { color: white; border-bottom: 2px solid white; }

/* MAIN CONTENT */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* HERO */
.hero {
  background: var(--accent-light);
  border-bottom: 1px solid var(--border);
  padding: 40px 0;
}
.hero-inner { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.hero-label { font-family: var(--font-ui); font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; }
.hero-title { font-size: 28px; line-height: 1.3; font-weight: 700; margin-bottom: 12px; }
.hero-excerpt { font-size: 16px; color: var(--text-muted); margin-bottom: 16px; }
.hero-meta { font-family: var(--font-ui); font-size: 13px; color: var(--text-muted); }
.hero-read-link { display: inline-block; margin-top: 16px; font-family: var(--font-ui); font-size: 14px; font-weight: 600; color: var(--accent); }

/* ARTICLE GRID */
.content-area { padding: 40px 0; }
.section-title {
  font-family: var(--font-ui);
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.article-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border); border: 1px solid var(--border); margin-bottom: 40px; }
.article-card { background: var(--bg-card); padding: 24px; }
.article-card:hover { background: var(--accent-light); }
.tag {
  display: inline-block;
  font-family: var(--font-ui);
  font-size: 10px;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 2px 8px;
  border-radius: 2px;
  margin-bottom: 10px;
  color: white;
}
.tag-Banking { background: var(--tag-banking); }
.tag-Healthcare { background: var(--tag-healthcare); }
.tag-Taxes { background: var(--tag-taxes); }
.tag-Housing { background: var(--tag-housing); }
.tag-Identity { background: var(--tag-identity); }
.tag-Telecoms { background: var(--tag-telecoms); }

.card-title { font-size: 17px; font-weight: 700; margin-bottom: 8px; line-height: 1.3; }
.card-title a { color: var(--text); }
.card-title a:hover { color: var(--accent); text-decoration: none; }
.card-excerpt { font-size: 14px; color: var(--text-muted); line-height: 1.5; margin-bottom: 12px; }
.card-meta { font-family: var(--font-ui); font-size: 12px; color: var(--text-muted); }

/* ARTICLE PAGE */
.article-header { padding: 40px 0 24px; border-bottom: 1px solid var(--border); margin-bottom: 32px; }
.article-tag { margin-bottom: 12px; }
.article-title { font-size: 32px; line-height: 1.25; font-weight: 700; margin-bottom: 16px; }
.article-meta { font-family: var(--font-ui); font-size: 13px; color: var(--text-muted); }
.article-body { max-width: 680px; padding-bottom: 60px; }
.article-body p { margin-bottom: 20px; }
.article-body h2 { font-size: 21px; margin: 36px 0 14px; line-height: 1.3; }
.article-body h3 { font-size: 18px; margin: 28px 0 10px; }
.article-body strong { font-weight: 700; }

/* ADSENSE PLACEHOLDERS */
.ad-unit { background: var(--accent-light); border: 1px dashed var(--border); padding: 16px; text-align: center; font-family: var(--font-ui); font-size: 12px; color: var(--text-muted); margin: 32px 0; min-height: 90px; display: flex; align-items: center; justify-content: center; }

/* SIDEBAR */
.page-layout { display: grid; grid-template-columns: 1fr 260px; gap: 40px; padding: 40px 0; }
.sidebar { font-family: var(--font-ui); }
.widget { border: 1px solid var(--border); padding: 20px; margin-bottom: 20px; background: var(--bg-card); }
.widget-title { font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--text-muted); margin-bottom: 12px; }
.widget ul { list-style: none; }
.widget ul li { border-bottom: 1px solid var(--border); padding: 8px 0; font-size: 13px; }
.widget ul li:last-child { border-bottom: none; }
.widget ul li a { color: var(--text); }

/* STATIC PAGES */
.static-page { padding: 40px 0 60px; max-width: 680px; }
.static-page h1 { font-size: 28px; margin-bottom: 20px; }
.static-page h2 { font-size: 20px; margin: 28px 0 10px; }
.static-page p { margin-bottom: 16px; color: var(--text); }

/* FOOTER */
.site-footer { background: var(--accent); color: rgba(255,255,255,0.8); padding: 32px 0; margin-top: 0; font-family: var(--font-ui); font-size: 13px; }
.footer-inner { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; }
.footer-links a { color: rgba(255,255,255,0.7); margin-left: 20px; }
.footer-links a:hover { color: white; text-decoration: none; }

/* RESPONSIVE */
@media (max-width: 680px) {
  .article-grid { grid-template-columns: 1fr; }
  .page-layout { grid-template-columns: 1fr; }
  .sidebar { display: none; }
  .article-title { font-size: 24px; }
  .hero-title { font-size: 22px; }
}