/* Fintech Tunisia — site styles */
:root{
  --red:#e31e24; --red-d:#b3141a; --red-50:#fdecec;
  --ink:#14151a; --ink-2:#3b3d45; --muted:#6b6e78; --line:#e6e6ea; --bg:#ffffff; --bg-2:#f6f5f2; --bg-3:#efede8;
  --navy:#141c33;
  --serif:"Fraunces", Georgia, "Times New Roman", serif;
  --sans:"Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --r:16px; --r-s:10px; --shadow:0 1px 2px rgba(20,21,26,.05), 0 8px 24px rgba(20,21,26,.06);
  --c-ecosystem:#24335c; --c-regulation:#8a6a10; --c-payments:#e31e24; --c-banking:#0f5268;
  --c-inclusion:#6a2bb0; --c-funding:#1d5a3a; --c-startups:#2a2a2e; --c-africa:#b04a17;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1,h2{font-family:var(--serif);font-weight:700}
p{margin:0 0 1em}
.wrap{width:100%;max-width:1200px;margin:0 auto;padding:0 24px}
.wrap.narrow{max-width:860px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
:focus-visible{outline:3px solid var(--red);outline-offset:2px;border-radius:4px}

/* buttons, pills */
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .15s;font-family:var(--sans)}
.btn svg{width:18px;height:18px;fill:currentColor}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--red-d)}
.btn-ghost{border-color:var(--line);background:#fff;color:var(--ink)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-block{width:100%;justify-content:center}
.pill{display:inline-block;font-style:normal;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;color:var(--c,var(--red));padding:4px 10px;border-radius:999px;background:color-mix(in srgb,var(--c,var(--red)) 10%,#fff)}
.pill-ecosystem{--c:var(--c-ecosystem)}.pill-regulation{--c:var(--c-regulation)}.pill-payments{--c:var(--c-payments)}.pill-banking{--c:var(--c-banking)}
.pill-inclusion{--c:var(--c-inclusion)}.pill-funding{--c:var(--c-funding)}.pill-startups{--c:var(--c-startups)}.pill-africa{--c:var(--c-africa)}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.lead{font-size:18.5px;color:var(--ink-2);max-width:680px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.logo img{height:34px;width:auto}
.links{display:flex;gap:26px}
.links a{text-decoration:none;font-weight:600;font-size:14.5px;color:var(--ink-2);padding:6px 0;position:relative}
.links a:hover,.links a[aria-current]{color:var(--ink)}
.links a[aria-current]::after,.links a:hover::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--red);border-radius:2px}
.nav-right{display:flex;align-items:center;gap:10px}
.lang{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:13px;text-decoration:none;border:1.5px solid var(--line);padding:6px 12px;border-radius:999px}
.lang svg{width:15px;height:15px;fill:currentColor}
.lang:hover{border-color:var(--ink)}
.menu-toggle{display:none;width:42px;height:42px;border:0;background:none;cursor:pointer;padding:10px;flex-direction:column;justify-content:center;gap:5px}
.menu-toggle span{display:block;height:2px;background:var(--ink);border-radius:2px;transition:transform .2s,opacity .2s}

/* home hero */
.home-hero{padding:56px 0 40px;background:radial-gradient(900px 420px at 95% -10%,rgba(227,30,36,.10),transparent 60%),linear-gradient(180deg,var(--bg-2),#fff)}
.hero-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:48px;align-items:center}
.home-hero h1{font-size:clamp(38px,5.2vw,64px);margin-bottom:18px}
.home-hero h1 span{color:var(--red)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.feature-main{position:relative;display:block;border-radius:var(--r);overflow:hidden;text-decoration:none;box-shadow:var(--shadow)}
.feature-main img{width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;transition:transform .4s}
.feature-main:hover img{transform:scale(1.03)}
.fm-body{position:absolute;inset:auto 0 0 0;padding:60px 22px 20px;background:linear-gradient(transparent,rgba(10,10,14,.85));color:#fff;display:flex;flex-direction:column;gap:8px}
.fm-body .pill{align-self:flex-start;background:#fff;color:var(--red)}
.fm-body strong{font-family:var(--serif);font-size:24px;line-height:1.2}
.minis{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:14px}
.mini{display:flex;flex-direction:column;gap:8px;text-decoration:none}
.mini img{border-radius:var(--r-s);aspect-ratio:1200/630;object-fit:cover;width:100%;height:auto}
.mini span{display:flex;flex-direction:column;gap:6px}
.mini .pill{align-self:flex-start;font-size:10px;padding:3px 8px}
.mini strong{font-size:14px;line-height:1.3;font-weight:650}
.mini:hover strong{color:var(--red)}

/* home stats */
.home-stats{padding:10px 0 36px}
.sec-label{font-family:var(--sans);font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.hstats{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff}
.hstat{padding:22px 22px 18px;text-decoration:none;display:flex;flex-direction:column;gap:6px;border-right:1px solid var(--line);transition:background .15s}
.hstat:last-child{border-right:0}
.hstat:hover{background:var(--bg-2)}
.hstat-v{font-family:var(--serif);font-size:38px;font-weight:700;color:var(--red);line-height:1}
.hstat-l{font-weight:600;font-size:14.5px;line-height:1.35}
.hstat-s{font-size:12px;color:var(--muted)}

/* sections */
.sec{padding:64px 0}
.sec-alt{background:var(--bg-2)}
.sec-dark{background:var(--navy);color:#fff}
.sec-dark .sec-head p{color:#c9cede}
.sec-dark .more{color:#fff}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:28px}
.sec-head h2,.sec h2{font-size:clamp(28px,3.2vw,38px)}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:600;text-decoration:none;white-space:nowrap}
.more svg{width:18px;height:18px;fill:currentColor;transition:transform .15s}
.more:hover svg{transform:translateX(3px)}
.mt{margin-top:40px}

/* cards */
.grid{display:grid;gap:28px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{display:flex;flex-direction:column;background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card-media img{width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover}
.card-body{padding:18px 20px 20px;display:flex;flex-direction:column;gap:10px;flex:1}
.card .pill{align-self:flex-start}
.card h3{font-family:var(--serif);font-size:21px;line-height:1.25;margin:0}
.card h3 a{text-decoration:none}
.card h3 a:hover{color:var(--red)}
.card p{color:var(--ink-2);font-size:15px;margin:0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card .meta{margin-top:auto;font-size:13px;color:var(--muted);padding-top:4px}
.sec-dark .card{background:#1c2542;border-color:#2b3558;color:#fff}
.sec-dark .card p{color:#c9cede}.sec-dark .card .meta{color:#9aa3bd}
.card-feature{display:grid;grid-template-columns:1.25fr 1fr;align-items:stretch}
.card-feature .card-media img{height:100%}
.card-feature .card-body{padding:32px;justify-content:center}
.card-feature h3{font-size:clamp(24px,2.6vw,34px)}
.card-feature p{-webkit-line-clamp:4;font-size:16.5px}
.featured{margin-bottom:32px}

/* tiles */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tile{position:relative;border-radius:var(--r);overflow:hidden;text-decoration:none;color:#fff;aspect-ratio:4/3;display:block}
.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .4s}
.tile:hover img{transform:scale(1.05)}
.tile::after{content:"";position:absolute;inset:0;background:linear-gradient(transparent 35%,rgba(0,0,0,.7))}
.tile-t,.tile-n{position:absolute;left:18px;z-index:1}
.tile-t{bottom:36px;font-family:var(--serif);font-size:22px;font-weight:700}
.tile-n{bottom:14px;font-size:13px;opacity:.85}

/* start here */
.start-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:48px;align-items:start}
.start-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.start-list a{display:flex;gap:20px;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none}
.start-list .num{font-family:var(--serif);font-size:28px;font-weight:700;color:var(--red);min-width:44px}
.start-list strong{display:block;font-size:18px;margin-bottom:4px}
.start-list em{font-style:normal;color:var(--muted);font-size:15px}
.start-list a:hover strong{color:var(--red)}

/* programs */
.prog-teaser{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.prog-cards{display:grid;gap:16px}
.pc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.pc h3{font-size:19px;margin:8px 0 6px}
.pc p{color:var(--ink-2);margin:0;font-size:15px}
.pc-ic{font-family:var(--serif);font-weight:700;color:var(--red);font-size:20px}
.split{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;margin-top:44px;align-items:start}
.facts{display:grid;gap:12px}
.fact{background:var(--bg-2);border-radius:var(--r-s);padding:16px 18px;display:flex;flex-direction:column}
.fact strong{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--red)}
.steps{list-style:none;padding:0;margin:20px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps li{background:#fff;border-radius:var(--r);padding:22px;border:1px solid var(--line)}
.steps .num{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:700;align-items:center;justify-content:center;margin-bottom:10px}
.steps strong{display:block;font-size:18px;margin-bottom:4px}
.steps p{margin:0;color:var(--ink-2);font-size:15px}
.focus{margin-top:22px;color:var(--ink-2);max-width:760px}
.cta-box{display:flex;justify-content:space-between;align-items:center;gap:24px;background:var(--navy);color:#fff;border-radius:22px;padding:40px 44px}
.cta-box p{color:#c9cede;margin:0}

/* page head + listing */
.page-head{padding:40px 0 28px;background:linear-gradient(180deg,var(--bg-2),#fff)}
.page-head h1{font-size:clamp(32px,4.4vw,52px);max-width:900px}
.crumbs{font-size:13.5px;color:var(--muted);margin-bottom:18px;display:flex;flex-wrap:wrap;gap:8px}
.crumbs a{text-decoration:none}.crumbs a:hover{color:var(--red)}
.crumbs .sep{opacity:.5}
.tools{margin:24px 0 18px}
.search{display:flex;align-items:center;gap:10px;max-width:520px;border:1.5px solid var(--line);border-radius:999px;padding:0 16px;background:#fff}
.search:focus-within{border-color:var(--ink)}
.search svg{width:20px;height:20px;fill:var(--muted);flex:none}
.search input{border:0;outline:0;font:inherit;padding:13px 0;width:100%;background:transparent}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chip{display:inline-flex;align-items:center;gap:7px;text-decoration:none;font-size:14px;font-weight:600;padding:7px 14px;border-radius:999px;border:1.5px solid var(--line);background:#fff}
.chip b{font-size:12px;color:var(--muted);font-weight:600}
.chip:hover{border-color:var(--ink)}
.chip.active{background:var(--ink);color:#fff;border-color:var(--ink)}
.chip.active b{color:#c9c9cf}
.listing{padding:20px 0 70px}
.no-results{text-align:center;color:var(--muted);padding:40px 0}

/* article */
.post-head{padding:32px 0 0;background:linear-gradient(180deg,var(--bg-2),#fff 70%)}
.post-head h1{font-size:clamp(32px,4.6vw,54px);margin:14px 0 14px}
.dek{font-size:20px;color:var(--ink-2);line-height:1.5}
.post-meta{display:flex;flex-wrap:wrap;align-items:center;gap:8px 18px;font-size:14px;color:var(--muted);padding:6px 0 26px}
.post-meta .by{color:var(--ink);font-weight:600}
.other-lang{display:inline-flex;align-items:center;gap:6px;text-decoration:none;font-weight:600;color:var(--red)}
.other-lang svg{width:15px;height:15px;fill:currentColor}
.hero-wrap{max-width:1100px}
.post-hero{width:100%;height:auto;aspect-ratio:1200/630;border-radius:20px;box-shadow:var(--shadow)}
.post-grid{display:grid;grid-template-columns:240px minmax(0,740px);gap:64px;justify-content:center;padding-top:44px;padding-bottom:40px}
.toc{position:relative}
.toc-inner{position:sticky;top:96px}
.toc h2{font-family:var(--sans);font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.toc ol{list-style:none;margin:0 0 24px;padding:0;border-left:2px solid var(--line)}
.toc li a{display:block;padding:6px 0 6px 14px;margin-left:-2px;border-left:2px solid transparent;text-decoration:none;font-size:14px;color:var(--ink-2);line-height:1.4}
.toc li a:hover,.toc li a.on{color:var(--ink);border-left-color:var(--red)}
.share{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.share span{font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-right:4px}
.share a{width:34px;height:34px;border-radius:50%;border:1.5px solid var(--line);display:flex;align-items:center;justify-content:center;color:var(--ink)}
.share a:hover{background:var(--red);border-color:var(--red);color:#fff}
.share svg{width:15px;height:15px;fill:currentColor}
.share-bottom{display:none;margin-top:28px}
.takeaways{background:var(--red-50);border-radius:var(--r);padding:22px 26px;margin-bottom:28px;border-left:4px solid var(--red)}
.takeaways h2{font-family:var(--sans);font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--red);margin-bottom:10px}
.takeaways ul{margin:0;padding-left:20px}
.takeaways li{margin:6px 0;font-size:16.5px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:14px;margin:0 0 32px}
.stat{background:var(--navy);color:#fff;border-radius:var(--r);padding:20px}
.stat-v{font-family:var(--serif);font-size:34px;font-weight:700;line-height:1.05;color:#fff}
.stat-l{font-size:14.5px;margin:8px 0 10px;line-height:1.4;color:#e4e7f0}
.stat-s{font-size:11.5px;color:#9aa3bd}
.prose{font-size:18px;line-height:1.75;color:#24252b}
.prose h2{font-size:30px;margin:1.6em 0 .55em;scroll-margin-top:90px}
.prose h3{font-size:21px;margin:1.4em 0 .4em}
.prose p{margin:0 0 1.15em}
.prose a{color:var(--red-d);text-decoration-thickness:1px;text-underline-offset:3px}
.prose a:hover{color:var(--red)}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin:.35em 0}
.prose strong{color:var(--ink)}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 20px;border-left:3px solid var(--red);color:var(--ink-2);font-style:italic}
.table-wrap{overflow-x:auto;margin:1.4em 0;border:1px solid var(--line);border-radius:var(--r-s)}
.prose table{border-collapse:collapse;width:100%;font-size:15px;line-height:1.5}
.prose th,.prose td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--bg-2);font-weight:700}
.prose tr:last-child td{border-bottom:0}
.chart{margin:2em 0;padding:24px 24px 18px;border:1px solid var(--line);border-radius:var(--r);background:#fff;font-family:var(--sans)}
.chart figcaption{font-weight:700;font-size:17px;line-height:1.35;margin-bottom:18px;color:var(--ink)}
.bars{display:grid;gap:10px}
.bar-row{display:grid;grid-template-columns:minmax(120px,38%) 1fr auto;align-items:center;gap:12px;font-size:14px;line-height:1.3}
.bar-label{color:var(--ink-2)}
.bar-track{height:14px;background:var(--bg-3);border-radius:7px;overflow:hidden}
.bar-fill{display:block;height:100%;background:#9aa0ad;border-radius:7px}
.bar-row.hl .bar-fill,.allred .bar-fill{background:var(--red)}
.bar-row.hl .bar-label{color:var(--ink);font-weight:600}
.bar-val{font-weight:700;font-variant-numeric:tabular-nums;min-width:64px;text-align:right}
.chart .chart-src{font-size:12.5px;line-height:1.5;color:var(--muted);margin:18px 0 6px}
.chart-src a{color:inherit}
.chart-data summary{font-size:13px;color:var(--muted);cursor:pointer}
.chart-data table{margin-top:10px;font-size:14px;border-collapse:collapse;width:100%}
.chart-data td,.chart-data th{padding:6px 8px;border-bottom:1px solid var(--line);text-align:left}
.faq{margin-top:44px}
.faq h2,.sources h2,.related h2{font-size:28px}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:650;font-size:17.5px;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:26px;font-weight:400;color:var(--red);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item p{margin:0 0 18px;color:var(--ink-2);font-size:16.5px}
.sources{margin-top:40px}
.sources ol{padding-left:1.2em;font-size:14.5px;color:var(--ink-2)}
.sources li{margin:8px 0;word-break:break-word}
.sources a{color:var(--ink)}
.disclaimer{margin-top:30px;font-size:13.5px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px}
.related{padding:56px 0 64px;background:var(--bg-2)}
.related h2{margin-bottom:24px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:36px;align-items:start}
.contact-card{background:var(--navy);color:#fff;border-radius:var(--r);padding:30px}
.contact-card h2{font-size:24px}
.contact-card dl{margin:0 0 20px}
.contact-card dt{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:#9aa3bd;margin-top:16px}
.contact-card dd{margin:4px 0 0;font-size:16px}
.contact-card a{color:#fff}
.contact-card .social a{border-color:#3a4568;color:#fff}
.contact-form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow);position:relative}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px;display:flex;flex-direction:column;gap:6px}
.field label{font-weight:600;font-size:14px}
.field input,.field select,.field textarea{font:inherit;font-size:15.5px;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--r-s);background:#fff;color:var(--ink);width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--ink)}
.form-err{color:#b3141a;font-size:14px;margin:-6px 0 12px}
.form-ok{display:none;margin:14px 0 0;font-weight:600;color:#1d5a3a}
form.submitted .form-ok{display:block}
form.submitted button[type=submit]{opacity:.5;pointer-events:none}

/* newsletter + footer */
.newsletter{background:var(--red);color:#fff;padding:44px 0}
.nl-inner{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.newsletter h2{font-size:clamp(24px,2.6vw,32px);margin-bottom:6px}
.newsletter p{margin:0;color:#ffe3e3}
.nl-form{display:flex;flex-wrap:wrap;gap:10px}
.nl-form input[type=email]{flex:1;min-width:200px;font:inherit;padding:13px 18px;border-radius:999px;border:0;color:var(--ink)}
.nl-form .btn-primary{background:var(--ink)}
.nl-form .btn-primary:hover{background:#000}
.nl-form .form-ok{color:#fff;width:100%}
.site-footer{background:#0e0f13;color:#d6d7dc;padding:56px 0 28px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px}
.wordmark{font-family:var(--sans);font-weight:800;font-size:24px;color:#fff;margin-bottom:10px}
.wordmark span{color:var(--red)}
.foot-brand p{color:#a8aab3;max-width:340px}
.foot-contact a{color:#fff}
.foot-col h3{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:12px;font-family:var(--sans)}
.foot-col a{display:block;text-decoration:none;color:#a8aab3;padding:4px 0}
.foot-col a:hover{color:#fff}
.social{display:flex;gap:10px}
.social a{width:36px;height:36px;border-radius:50%;border:1.5px solid #2c2e36;display:flex;align-items:center;justify-content:center;color:#fff}
.social a:hover{background:var(--red);border-color:var(--red)}
.social svg{width:16px;height:16px;fill:currentColor}
.foot-bottom{margin-top:40px;padding-top:20px;border-top:1px solid #23252c;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px;color:#7d808a}

/* responsive */
@media (max-width:1080px){
  .links{gap:18px}
  .post-grid{grid-template-columns:minmax(0,740px);gap:0}
  .toc{display:none}
  .share-bottom{display:block}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .tiles{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:920px){
  .menu-toggle{display:flex}
  .links{position:fixed;top:68px;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:8px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(0,0,0,.08);transform:translateY(-130%);transition:transform .25s;z-index:-1}
  .links a{padding:14px 0;border-bottom:1px solid var(--line);font-size:16px}
  .links a::after{display:none}
  body.nav-open .links{transform:none}
  body.nav-open .menu-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  body.nav-open .menu-toggle span:nth-child(2){opacity:0}
  body.nav-open .menu-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .hero-grid,.start-grid,.prog-teaser,.split,.contact-grid,.nl-inner{grid-template-columns:1fr;gap:32px}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .hstats{grid-template-columns:repeat(2,1fr)}
  .hstat:nth-child(2){border-right:0}
  .hstat:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .card-feature{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .cta-box{flex-direction:column;align-items:flex-start;padding:30px}
}
@media (max-width:620px){
  .wrap{padding:0 16px}
  body{font-size:15.5px}
  .home-hero{padding:32px 0 28px}
  .grid-3,.grid-4,.tiles{grid-template-columns:1fr}
  .minis{grid-template-columns:1fr 1fr}
  .minis .mini:nth-child(3){display:none}
  .sec{padding:48px 0}
  .sec-head{flex-direction:column;align-items:flex-start}
  .prose{font-size:17px}
  .prose h2{font-size:25px}
  .dek{font-size:18px}
  .post-hero{border-radius:12px}
  .bar-row{grid-template-columns:1fr auto;gap:4px 10px}
  .bar-label{grid-column:1 / -1}
  .bar-val{min-width:0}
  .row2{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .hstat-v{font-size:30px}
  .lang span{display:none}
  .chart{padding:18px 16px 14px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.newsletter,.site-footer,.toc,.share-bottom,.related{display:none}}

/* ---------- info pages ---------- */
.sec-tight{padding:12px 0 64px}
.meta-line{font-size:13.5px;color:var(--muted);margin:8px 0 0}
.info-nav{display:flex;flex-wrap:wrap;gap:8px;margin-top:40px;padding-top:24px;border-top:1px solid var(--line)}
.info-nav a{text-decoration:none;font-weight:600;font-size:14px;padding:7px 14px;border-radius:999px;border:1.5px solid var(--line)}
.info-nav a:hover{border-color:var(--ink)}
.info-nav a[aria-current]{background:var(--ink);color:#fff;border-color:var(--ink)}
.corr-log{list-style:none;padding:0;margin:0}
.corr-log li{padding:18px 0;border-bottom:1px solid var(--line);display:grid;gap:4px}
.corr-log time{font-size:13px;color:var(--muted);font-family:var(--sans)}
.corr-log a{font-weight:650;font-family:var(--sans);font-size:17px}
.corr-log p{margin:4px 0 0;font-size:16px}
.muted{color:var(--muted)}
.foot-langs{font-size:14px}.foot-langs a{color:#a8aab3}

/* ---------- home tools ---------- */
.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.tool{display:flex;flex-direction:column;gap:6px;padding:30px;border-radius:20px;border:1px solid var(--line);background:var(--bg-2);text-decoration:none;transition:transform .2s,box-shadow .2s}
.tool:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.tool-n{font-family:var(--serif);font-size:56px;font-weight:700;line-height:1;color:var(--red)}
.tool-u{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.tool strong{font-family:var(--serif);font-size:26px;margin-top:10px}
.tool p{margin:0;color:var(--ink-2)}
.tool .more{margin-top:12px;color:var(--red)}
.tool-dark{background:var(--navy);border-color:var(--navy);color:#fff}
.tool-dark p,.tool-dark .tool-u{color:#c9cede}
.tool-dark .tool-n,.tool-dark .more{color:#ff6b70}

/* ---------- directory ---------- */
button.chip{font:inherit;font-size:14px;font-weight:600;cursor:pointer;color:var(--ink)}
button.chip.active{color:#fff}
.co-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.co-card{display:flex;flex-direction:column;gap:10px;padding:20px;border:1px solid var(--line);border-radius:var(--r);background:#fff;transition:box-shadow .2s;position:relative}
.co-card:hover{box-shadow:var(--shadow)}
.co-card h3{font-size:18px;margin:0;font-family:var(--sans);font-weight:700}
.co-card h3 a{text-decoration:none}
.co-card h3 a::after{content:"";position:absolute;inset:0}
.co-card h3 a:hover{color:var(--red)}
.co-card p{margin:0;color:var(--ink-2);font-size:14.5px;line-height:1.5}
.co-top{display:flex;gap:14px;align-items:center}
.mono{flex:none;border-radius:12px}
.co-cat{font-size:12.5px;color:var(--muted);font-weight:600}
.co-meta{display:flex;flex-wrap:wrap;gap:6px 12px;align-items:center;font-size:13px;color:var(--muted);margin-top:auto}
.co-lic{display:flex;flex-wrap:wrap;gap:6px}
.st{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;padding:3px 9px;border-radius:999px}
.st::before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor}
.st-active{color:#1d6b40;background:#e6f4ec}.st-acquired{color:#24335c;background:#e8ecf6}
.st-unclear{color:#8a5a00;background:#fbf1dc}.st-inactive{color:#6b6e78;background:#eeeef1}
.lic{display:inline-block;font-size:12px;font-weight:600;padding:3px 9px;border-radius:6px;background:var(--bg-3);color:var(--ink-2)}
.lic-bct-payment-institution,.lic-bank{background:#fdecec;color:#a3141a}
.lic-startup-label{background:#eef3ff;color:#24335c}
.lic-bct-sandbox{background:#f3ecfb;color:#5a2397}
.dir-note{margin-top:36px;font-size:13.5px;color:var(--muted);max-width:760px}
.co-head .co-title{display:flex;gap:20px;align-items:center;margin-bottom:22px}
.co-head h1{margin:0 0 6px}
.co-head .lead{margin:0}
.co-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:0}
.co-facts div{background:#fff;padding:14px 16px}
.co-facts dt{font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.co-facts dd{margin:0;font-weight:600;font-size:15px;word-break:break-word}
.status-note{margin:14px 0 0;font-size:14.5px;background:#fbf1dc;color:#5c3d00;padding:12px 16px;border-radius:var(--r-s)}
.co-body h2{font-size:24px;margin:36px 0 12px}
.co-body .prose{font-size:17px}
.prod-list,.people{padding-left:20px;margin:0}
.prod-list li,.people li{margin:6px 0}
.lic-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.lic-list li{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:14px}
a.src{font-size:13px;color:var(--muted)}
.co-body table{border-collapse:collapse;width:100%;font-size:14.5px}
.co-body th,.co-body td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.co-body th{background:var(--bg-2)}
.verify-line{margin-top:30px;font-size:13.5px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}
.mentioned{margin-top:40px}
.mentioned h2{font-size:22px}
.co-chips{display:flex;flex-wrap:wrap;gap:10px}
.co-chip{display:inline-flex;align-items:center;gap:8px;padding:5px 14px 5px 5px;border:1.5px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:14.5px}
.co-chip:hover{border-color:var(--ink)}
.co-chip .mono{border-radius:50%}

/* ---------- regulation tracker ---------- */
.reg-summary{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:26px 0 22px;max-width:820px}
.reg-summary div{background:#fff;padding:14px 18px;display:flex;flex-direction:column}
.reg-summary b{font-family:var(--serif);font-size:24px}
.reg-summary span{font-size:12.5px;color:var(--muted)}
.reg-summary .upd b{font-family:var(--sans);font-size:16px;font-weight:700;line-height:1.5;padding-top:5px}
.reg-tools{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between}
.sel select{font:inherit;font-size:14px;font-weight:600;padding:8px 14px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink)}
.timeline{list-style:none;margin:0;padding:0;position:relative}
.timeline::before{content:"";position:absolute;left:118px;top:0;bottom:0;width:2px;background:var(--line)}
.timeline .yr{padding:26px 0 10px}
.timeline .yr span{font-family:var(--serif);font-weight:700;font-size:26px;background:#fff;position:relative;padding-right:10px}
.reg{display:grid;grid-template-columns:104px 1fr;gap:28px;padding:8px 0;position:relative}
.reg::before{content:"";position:absolute;left:113px;top:26px;width:12px;height:12px;border-radius:50%;background:#fff;border:3px solid var(--muted)}
.reg[data-group=force]::before{border-color:#1d6b40}.reg[data-group=pending]::before{border-color:#c77700}
.reg[data-group=past]::before{border-color:#b9bbc2}
.reg-date{font-size:13px;color:var(--muted);padding-top:20px;text-align:right;font-variant-numeric:tabular-nums}
.reg-card{border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;background:#fff;scroll-margin-top:90px}
.reg:target .reg-card{border-color:var(--red);box-shadow:0 0 0 3px var(--red-50)}
.reg-top{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;margin-bottom:10px}
.reg-type{font-size:12.5px;color:var(--muted);font-weight:600}
.rs{font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px}
.rs-in_force{background:#e6f4ec;color:#1d6b40}
.rs-adopted_not_in_force{background:#fff1d6;color:#8a5200}
.rs-in_parliament,.rs-draft{background:#e5f0fb;color:#0f4f8a}
.rs-announced{background:#f3ecfb;color:#5a2397}
.rs-repealed,.rs-replaced{background:#eeeef1;color:#6b6e78}
.rs-unclear{background:#fff;color:#6b6e78;border:1.5px dashed #b9bbc2}
.reg-card h3{font-size:18.5px;margin:0 0 4px;font-family:var(--sans);font-weight:700;line-height:1.3}
.reg-ref{font-size:13.5px;color:var(--muted);margin:0 0 10px;font-weight:600}
.reg-card p{font-size:15px;color:var(--ink-2);margin:0 0 10px}
.reg-card .reg-note{font-size:14px;background:var(--bg-2);padding:10px 14px;border-radius:var(--r-s);color:var(--ink-2)}
.reg-meta{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:13.5px;color:var(--ink-2);margin-bottom:8px}
.reg-meta:empty{display:none}
.reg-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px}
.tp{font-size:12px;padding:2px 9px;border-radius:6px;background:var(--bg-3);color:var(--ink-2)}
.reg-rel{display:flex;flex-wrap:wrap;gap:4px 14px;font-size:14px;margin-bottom:8px}
.reg-rel span{color:var(--muted)}
.reg-rel a{color:var(--red-d)}
@media (max-width:920px){.co-grid{grid-template-columns:repeat(2,1fr)}.tools-grid{grid-template-columns:1fr}}
@media (max-width:620px){
  .co-grid{grid-template-columns:1fr}
  .reg-summary{grid-template-columns:1fr 1fr}
  .timeline::before{left:7px}
  .reg{grid-template-columns:1fr;gap:6px;padding-left:28px}
  .reg::before{left:2px;top:4px}
  .reg-date{text-align:left;padding-top:0}
  .timeline .yr{padding-left:0}
  .co-head .co-title{align-items:flex-start}
  .tool-n{font-size:44px}
}

/* ---------- 3-language switcher ---------- */
.langs{display:inline-flex;align-items:center;gap:2px;border:1.5px solid var(--line);border-radius:999px;padding:3px 4px 3px 10px}
.langs>svg{width:15px;height:15px;fill:var(--muted);margin-inline-end:4px}
.langs .lang{border:0;padding:4px 9px;border-radius:999px;font-size:13px;font-weight:700;text-decoration:none}
.langs .lang:hover{background:var(--bg-3)}
[dir=rtl] .langs{padding:3px 10px 3px 4px}
.other-lang{display:inline-flex;align-items:center;gap:6px 10px;flex-wrap:wrap}
.other-lang a{color:var(--red);font-weight:600;text-decoration:none}
.other-lang a:hover{text-decoration:underline}
@media (max-width:620px){.langs{padding:2px}.langs>svg{display:none}.langs .lang{padding:4px 7px}}

/* ---------- remittance comparator ---------- */
.remit-head{padding-bottom:20px}
.calc{margin-top:26px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px 24px;box-shadow:var(--shadow);display:grid;gap:18px;max-width:980px}
.calc-row{display:grid;grid-template-columns:1.4fr 1fr;gap:18px 28px;align-items:end}
.calc-f{display:flex;flex-direction:column;gap:8px;min-width:0}
.calc-l{font-size:13px;font-weight:700;color:var(--muted)}
.segs{display:flex;background:var(--bg-3);border-radius:12px;padding:4px;gap:4px}
.seg{flex:1;font:inherit;font-weight:700;font-size:15px;border:0;background:none;padding:10px 12px;border-radius:9px;cursor:pointer;color:var(--ink-2)}
.seg.on{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(0,0,0,.12)}
.amt{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.amt:focus-within{border-color:var(--ink)}
.amt input{flex:1;min-width:0;border:0;outline:0;font:inherit;font-size:22px;font-weight:700;padding:9px 14px;font-variant-numeric:tabular-nums;background:transparent}
.amt span{padding:0 14px;font-weight:700;color:var(--muted)}
.calc-sort select{font:inherit;font-weight:600;padding:11px 12px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--ink)}
.calc .chips{margin:0}
.rate-line{margin:16px 0 0;font-size:14.5px;color:var(--ink-2)}
.rate-line b{color:var(--ink);font-variant-numeric:tabular-nums}
.remit-list{padding-top:8px}
.remit-src{font-size:13.5px;color:var(--muted);max-width:900px;margin-bottom:16px}
.remit-results{display:grid;gap:14px}
.ro{border:1px solid var(--line);border-radius:var(--r);background:#fff;overflow:hidden}
.ro-top{border-color:#1d6b40;box-shadow:0 0 0 2px rgba(29,107,64,.12)}
.ro-badges{display:flex;gap:8px;padding:12px 20px 0}
.rbadge{font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px}
.rb-best{background:#e6f4ec;color:#1d6b40}.rb-fast{background:#e5f0fb;color:#0f4f8a}
.ro-main{display:grid;grid-template-columns:minmax(150px,1.2fr) minmax(150px,1fr) 2.2fr auto;gap:16px 24px;align-items:center;padding:16px 20px}
.ro-name strong{display:block;font-size:17px}
.ro-name span{font-size:13.5px;color:var(--muted)}
.ro-gets{display:flex;flex-direction:column}
.ro-gets .k{font-size:12px;font-weight:700;color:var(--muted)}
.ro-gets b{font-size:22px;font-variant-numeric:tabular-nums;color:var(--ink)}
.ro-gets b.ro-np{color:var(--muted)}
.ro-pay{font-size:12.5px;color:var(--muted)}
.ro-meta{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:0}
.ro-meta dt{font-size:11.5px;color:var(--muted);font-weight:600}
.ro-meta dd{margin:2px 0 0;font-weight:700;font-size:14.5px;font-variant-numeric:tabular-nums}
.ro-go{white-space:nowrap;padding:10px 16px;font-size:14px}
.ro-det{border-top:1px solid var(--line);font-size:14px}
.ro-det summary{cursor:pointer;padding:10px 20px;color:var(--ink-2);display:flex;align-items:center;gap:8px;list-style:none}
.ro-det summary::-webkit-details-marker{display:none}
.ro-det summary::after{content:"+";margin-inline-start:auto;color:var(--red);font-size:18px}
.ro-det[open] summary::after{content:"−"}
.ro-det p{margin:0;padding:0 20px 10px;color:var(--ink-2)}
.shield{width:14px;height:16px;flex:none;background:#1d6b40;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 16'%3E%3Cpath d='M7 0l7 2.5v5C14 12 10.9 15 7 16 3.1 15 0 12 0 7.5v-5z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 16'%3E%3Cpath d='M7 0l7 2.5v5C14 12 10.9 15 7 16 3.1 15 0 12 0 7.5v-5z'/%3E%3C/svg%3E") center/contain no-repeat}
.remit-fine{font-size:13px;color:var(--muted);margin-top:18px;max-width:900px}
.remit-info{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.remit-info h2{font-size:24px}
.remit-info p,.remit-info li{color:var(--ink-2);font-size:15.5px}
.remit-info ul{padding-inline-start:20px;margin:0}
.remit-info li{margin:8px 0}
.tool-red{background:var(--red);border-color:var(--red);color:#fff}
.tool-red p,.tool-red .tool-u{color:#ffe3e3}
.tool-red .tool-n,.tool-red .more{color:#fff}
.tools-grid{grid-template-columns:repeat(3,1fr)}
@media (max-width:1080px){.ro-main{grid-template-columns:1fr 1fr}.ro-meta{grid-column:1/-1}.ro-go{grid-column:1/-1;justify-self:start}}
@media (max-width:920px){.remit-info{grid-template-columns:1fr}.tools-grid{grid-template-columns:1fr}.calc-row{grid-template-columns:1fr}}
@media (max-width:620px){.ro-main{grid-template-columns:1fr;padding:14px 16px}.ro-meta{grid-template-columns:repeat(2,1fr)}.ro-go{width:100%;justify-content:center}.calc{padding:16px}.seg{padding:9px 6px;font-size:14px}.ro-badges{padding:12px 16px 0}.ro-det summary,.ro-det p{padding-inline:16px}}

.shield.shield-no{background:#b9bbc2}
.ro-promo{margin:0;padding:0 20px 12px;font-size:13.5px;color:#8a5200;font-weight:600}
@media (max-width:620px){.ro-promo{padding:0 16px 12px}}