/* areyouready.sg — Spiddy Ng
   Palette: teal brand + coral accent (Singapore-friendly, serious finance) */
:root {
  --bg: #f4f7f8;
  --surface: #ffffff;
  --ink: #0f1c2e;
  --muted: #5b6b7c;
  --line: #e0e8ec;
  --brand: #0d9488;
  --brand-dark: #0f766e;
  --brand-soft: #ccfbf1;
  --brand-ink: #fff;
  --accent: #e85d4c;
  --accent-dark: #d14536;
  --accent-soft: #ffe8e4;
  --link: #0f766e;
  --warn: #9a6700;
  --warn-bg: #fff8e6;
  --ok: #0f766e;
  --ok-bg: #e6f7f4;
  --partial: #8a4b08;
  --partial-bg: #fff4e5;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(15, 28, 46, 0.05), 0 8px 28px rgba(15, 28, 46, 0.07);
  --shadow-hover: 0 4px 12px rgba(15, 28, 46, 0.1), 0 16px 40px rgba(15, 28, 46, 0.08);
  --max: 1080px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  /* Bank chips (tasteful approximations) */
  --bank-dbs: #c8102e;
  --bank-uob: #1e3a8a;
  --bank-ocbc: #e11d2e;
  --bank-citi: #003b70;
  --bank-hsbc: #db0011;
  --bank-sc: #007a33;
  --bank-amex: #006fcf;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--brand-dark); }
img { max-width: 100%; }
.wrap { width: min(100% - 2rem, var(--max)); margin-inline: auto; }

/* Header — stronger brand */
.site-header {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(1.2) blur(10px);
  -webkit-backdrop-filter: saturate(1.2) blur(10px);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 40;
}
.site-header .inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: 0.95rem 0; flex-wrap: wrap;
}
.brand {
  display: flex; flex-direction: column; gap: 0.12rem;
  text-decoration: none; color: inherit; min-width: 0;
}
.logo {
  font-weight: 780; font-size: 1.2rem; color: var(--ink);
  letter-spacing: -0.03em; line-height: 1.15;
}
.logo span { color: var(--brand); }
.tagline {
  font-size: 0.72rem; font-weight: 550; color: var(--muted);
  letter-spacing: 0.01em; line-height: 1.3;
}
.nav { display: flex; gap: 0.2rem 0.35rem; flex-wrap: wrap; align-items: center; }
.nav a {
  color: var(--muted); text-decoration: none; font-size: 0.9rem; font-weight: 600;
  padding: 0.4rem 0.7rem; border-radius: 999px;
  transition: background 0.15s ease, color 0.15s ease;
}
.nav a:hover { color: var(--ink); background: #eef4f5; }
.nav a[aria-current="page"] {
  color: var(--brand-dark); background: var(--brand-soft);
}

/* Hero band — soft gradient (home / calc section) */
.hero-band {
  background:
    radial-gradient(ellipse 80% 60% at 10% 0%, rgba(13, 148, 136, 0.14), transparent 55%),
    radial-gradient(ellipse 70% 50% at 95% 20%, rgba(232, 93, 76, 0.1), transparent 50%),
    linear-gradient(180deg, #e8f5f3 0%, var(--bg) 100%);
  border-bottom: 1px solid color-mix(in srgb, var(--brand) 12%, var(--line));
  padding: 0.5rem 0 2.25rem;
  margin-bottom: 1.75rem;
}
.hero-band .wrap { padding-top: 0.25rem; }

.hero { padding: 1.75rem 0 1.1rem; }
.hero h1 {
  margin: 0 0 0.55rem; font-size: clamp(1.7rem, 3.6vw, 2.35rem);
  letter-spacing: -0.035em; line-height: 1.18; font-weight: 780;
}
.lede { color: var(--muted); max-width: 40rem; margin: 0 0 0.35rem; font-size: 1.02rem; }
.badge-row { display: flex; flex-wrap: wrap; gap: 0.45rem; margin-bottom: 0.95rem; }
.badge {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-size: 0.74rem; font-weight: 680; padding: 0.28rem 0.65rem;
  border-radius: 999px; background: var(--ok-bg); color: var(--ok);
  border: 1px solid color-mix(in srgb, var(--ok) 18%, transparent);
}
.badge.partial { background: var(--partial-bg); color: var(--partial); border-color: color-mix(in srgb, var(--partial) 20%, transparent); }
.badge.warn { background: var(--warn-bg); color: var(--warn); border-color: #f0d78c; }
.badge.neutral { background: #eef2f5; color: var(--muted); border-color: transparent; }

/* Bank colour chips */
.bank-chip {
  display: inline-flex; align-items: center; justify-content: center;
  width: 1.65rem; height: 1.65rem; border-radius: 7px;
  font-size: 0.62rem; font-weight: 800; letter-spacing: -0.02em;
  color: #fff; flex-shrink: 0; line-height: 1;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.15);
}
.bank-chip.dbs { background: var(--bank-dbs); }
.bank-chip.uob { background: var(--bank-uob); }
.bank-chip.ocbc { background: var(--bank-ocbc); }
.bank-chip.citi { background: var(--bank-citi); }
.bank-chip.hsbc { background: var(--bank-hsbc); }
.bank-chip.sc,
.bank-chip.standard-chartered { background: var(--bank-sc); }
.bank-chip.amex,
.bank-chip.american-express { background: var(--bank-amex); }
.bank-chip.unknown { background: #64748b; }

.card-name-row {
  display: flex; align-items: center; gap: 0.55rem; flex-wrap: wrap;
}
.card-name-row h3 { margin: 0; }

.card, .panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.panel { padding: 1.35rem 1.45rem; }

/* Calculator */
.calc-grid {
  display: grid;
  gap: 1.35rem;
  grid-template-columns: 1fr;
  margin-top: 0.5rem;
}
@media (min-width: 860px) {
  .calc-grid { grid-template-columns: 300px 1fr; align-items: start; }
}
.field { margin-bottom: 0.9rem; }
.field label {
  display: block; font-size: 0.82rem; font-weight: 680; margin-bottom: 0.32rem; color: var(--ink);
}
.field .hint { font-size: 0.75rem; color: var(--muted); font-weight: 450; }
.field input[type="number"],
.field input[type="search"],
.field select {
  width: 100%; padding: 0.6rem 0.75rem; border: 1px solid var(--line);
  border-radius: var(--radius-sm); font: inherit; background: #fff;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:focus, .field select:focus {
  outline: 2px solid color-mix(in srgb, var(--brand) 40%, transparent);
  border-color: var(--brand);
}
.toggles { display: grid; gap: 0.5rem; margin: 0.75rem 0; }
.toggles label {
  display: flex; gap: 0.5rem; align-items: flex-start;
  font-size: 0.85rem; color: var(--muted); cursor: pointer;
}

/* Buttons — coral Apply is primary accent */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 0.4rem; border: 0; border-radius: 11px; padding: 0.7rem 1.15rem;
  font: inherit; font-weight: 700; cursor: pointer;
  background: var(--accent); color: #fff;
  box-shadow: 0 1px 0 rgba(255,255,255,0.15) inset, 0 2px 8px rgba(232, 93, 76, 0.28);
  transition: background 0.15s ease, transform 0.12s ease, box-shadow 0.15s ease;
  text-decoration: none;
}
.btn:hover {
  background: var(--accent-dark); color: #fff;
  box-shadow: 0 1px 0 rgba(255,255,255,0.12) inset, 0 4px 14px rgba(232, 93, 76, 0.35);
  transform: translateY(-1px);
}
.btn:active { transform: translateY(0); }
.btn.secondary {
  background: #eef2f5; color: var(--ink);
  box-shadow: none;
}
.btn.secondary:hover { background: #e2e8ed; color: var(--ink); box-shadow: none; }
.btn.block { width: 100%; }
.btn.ghost {
  background: transparent; color: var(--link);
  border: 1px solid var(--line); padding: 0.5rem 0.85rem; font-size: 0.85rem;
  box-shadow: none; font-weight: 650;
}
.btn.ghost:hover { background: #f4f7f8; color: var(--brand-dark); box-shadow: none; transform: none; }
.btn.teal {
  background: var(--brand);
  box-shadow: 0 1px 0 rgba(255,255,255,0.15) inset, 0 2px 8px rgba(13, 148, 136, 0.28);
}
.btn.teal:hover {
  background: var(--brand-dark);
  box-shadow: 0 1px 0 rgba(255,255,255,0.12) inset, 0 4px 14px rgba(13, 148, 136, 0.35);
}

/* Rank results */
.results { display: grid; gap: 0.85rem; }
.result {
  display: grid; gap: 0.4rem; padding: 1.15rem 1.2rem;
  border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
  box-shadow: var(--shadow);
  transition: box-shadow 0.18s ease, border-color 0.18s ease, transform 0.15s ease;
}
.result:hover {
  box-shadow: var(--shadow-hover);
  border-color: color-mix(in srgb, var(--brand) 25%, var(--line));
  transform: translateY(-1px);
}
.result.top {
  border-color: color-mix(in srgb, var(--brand) 40%, var(--line));
  background: linear-gradient(135deg, #f0faf8 0%, #fff 55%);
}
.result.rank-1 {
  border-color: color-mix(in srgb, var(--brand) 45%, var(--line));
  background: linear-gradient(135deg, #e6f7f4 0%, #fff 60%);
}
.result.rank-2 {
  border-color: color-mix(in srgb, #64748b 30%, var(--line));
}
.result.rank-3 {
  border-color: color-mix(in srgb, #b45309 25%, var(--line));
}
.result-head {
  display: flex; justify-content: space-between; gap: 0.85rem; align-items: flex-start; flex-wrap: wrap;
}
.result-head h3 { margin: 0; font-size: 1.02rem; }
.result-head h3 a { color: var(--ink); text-decoration: none; font-weight: 720; }
.result-head h3 a:hover { color: var(--brand-dark); }
.result-meta { font-size: 0.8rem; color: var(--muted); }
.result-score {
  font-weight: 780; font-size: 1.2rem; letter-spacing: -0.02em; color: var(--brand-dark);
  text-align: right;
}
.result-score .result-meta { display: block; font-weight: 550; font-size: 0.75rem; margin-top: 0.15rem; }
.result-notes { font-size: 0.8rem; color: var(--muted); margin: 0.15rem 0 0; padding-left: 1.1rem; }
.result-notes li { margin: 0.18rem 0; }

.rank-badge {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 2rem; height: 1.55rem; padding: 0 0.45rem;
  border-radius: 999px; font-size: 0.72rem; font-weight: 800;
  letter-spacing: 0.02em; flex-shrink: 0;
}
.rank-badge.r1 {
  background: linear-gradient(135deg, #0d9488, #0f766e);
  color: #fff;
  box-shadow: 0 2px 6px rgba(13, 148, 136, 0.35);
}
.rank-badge.r2 {
  background: linear-gradient(135deg, #94a3b8, #64748b);
  color: #fff;
}
.rank-badge.r3 {
  background: linear-gradient(135deg, #d97706, #b45309);
  color: #fff;
}
.rank-badge.rn {
  background: #eef2f5; color: var(--muted); font-weight: 700;
}

.caveat {
  background: var(--warn-bg); border: 1px solid #f0d78c; color: #5c4500;
  padding: 0.85rem 1.05rem; border-radius: var(--radius-sm); font-size: 0.88rem; margin: 1rem 0;
}

/* Table */
.table-tools {
  display: flex; flex-wrap: wrap; gap: 0.7rem; margin-bottom: 1.1rem; align-items: end;
}
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius); }
table.cards {
  width: 100%; border-collapse: collapse; font-size: 0.9rem; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden;
}
table.cards th, table.cards td {
  text-align: left; padding: 0.8rem 0.85rem; border-bottom: 1px solid var(--line);
  vertical-align: top;
}
table.cards th {
  background: #eef4f5; font-size: 0.74rem; text-transform: uppercase;
  letter-spacing: 0.04em; color: var(--muted); white-space: nowrap;
  cursor: pointer; user-select: none; font-weight: 700;
}
table.cards th:hover { color: var(--ink); }
table.cards tr:last-child td { border-bottom: 0; }
table.cards tr:hover td { background: #f7fbfb; }
.rate-list { margin: 0; padding-left: 1.1rem; }
.rate-list li { margin: 0.15rem 0; }

/* Card detail */
.detail-grid {
  display: grid; gap: 1.15rem;
  grid-template-columns: 1fr;
}
@media (min-width: 800px) {
  .detail-grid { grid-template-columns: 2fr 1fr; }
}
.kv { display: grid; gap: 0.65rem; }
.kv dt { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--muted); margin: 0; }
.kv dd { margin: 0.15rem 0 0; }
.source {
  font-size: 0.8rem; color: var(--muted); word-break: break-word;
}
.cta {
  display: flex; flex-direction: column; gap: 0.7rem;
}
.cta .btn[aria-disabled="true"], .cta .btn.disabled {
  background: #c5cbd6; color: #fff; cursor: not-allowed; pointer-events: none;
  box-shadow: none; transform: none;
}
.conditions {
  white-space: pre-wrap; font-size: 0.88rem; background: #f7fafb;
  border-radius: var(--radius-sm); padding: 0.9rem; border: 1px solid var(--line);
}
.mcc-list {
  font-family: ui-monospace, SFMono-Regular, Menlo, monospace;
  font-size: 0.78rem; color: var(--muted); word-break: break-word;
}

/* Footer */
.site-footer {
  margin-top: 3.25rem; padding: 2.25rem 0 2.75rem;
  border-top: 1px solid var(--line); color: var(--muted); font-size: 0.85rem;
  background: #eef4f5;
}
.site-footer .inner { display: grid; gap: 0.85rem; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 0.75rem 1.1rem; }
.site-footer a { color: var(--muted); }
.site-footer a:hover { color: var(--brand-dark); }

.prose h2 { margin: 1.6rem 0 0.6rem; font-size: 1.25rem; letter-spacing: -0.02em; }
.prose h3 { margin: 1.2rem 0 0.4rem; font-size: 1.05rem; }
.prose p, .prose li { color: var(--ink); }
.prose ul { padding-left: 1.2rem; }
.muted { color: var(--muted); }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); border: 0;
}

.promo-end {
  border-color: #e8a0a0;
  background: #fff1f1;
  color: #7a1f1f;
}
.result-apply {
  display: flex; flex-direction: column; gap: 0.45rem; margin-top: 0.65rem;
}
.affiliate-conditions {
  font-size: 0.82rem;
}
.cta .btn.block { width: 100%; box-sizing: border-box; }

/* Title row with bank chip on detail pages */
.hero .card-name-row h1 {
  margin: 0; font-size: clamp(1.55rem, 3.2vw, 2.1rem);
}
.hero .card-name-row .bank-chip {
  width: 2rem; height: 2rem; font-size: 0.7rem; border-radius: 8px;
}

@media (max-width: 520px) {
  .tagline { display: none; }
  .logo { font-size: 1.1rem; }
  .nav a { padding: 0.35rem 0.55rem; font-size: 0.85rem; }
  .result-score { text-align: left; width: 100%; }
  .hero-band { padding-bottom: 1.5rem; }
}

/* Plastic card placeholders — colour + name only (no bank logos / scraped art) */
.cc-face {
  --cc-from: #64748b;
  --cc-to: #334155;
  --cc-shine: rgba(255, 255, 255, 0.18);
  position: relative;
  display: inline-block;
  width: 5.375rem; /* 86 */
  height: 3.375rem; /* 54 — ~86:54 */
  border-radius: 0.45rem;
  flex-shrink: 0;
  background:
    linear-gradient(125deg, var(--cc-shine) 0%, transparent 42%),
    linear-gradient(145deg, var(--cc-from), var(--cc-to));
  box-shadow:
    0 1px 0 rgba(255, 255, 255, 0.22) inset,
    0 -1px 0 rgba(0, 0, 0, 0.18) inset,
    0 4px 12px rgba(15, 28, 46, 0.18);
  color: #fff;
  overflow: hidden;
  vertical-align: middle;
  isolation: isolate;
}
.cc-face::before {
  /* soft holographic stripe */
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    transparent 35%,
    rgba(255, 255, 255, 0.08) 48%,
    transparent 62%
  );
  pointer-events: none;
}
.cc-face-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-rows: auto 1fr auto;
  height: 100%;
  padding: 0.32rem 0.4rem 0.28rem;
  box-sizing: border-box;
}
.cc-bank {
  font-size: 0.48rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  opacity: 0.92;
  line-height: 1;
}
.cc-emv {
  width: 0.85rem;
  height: 0.65rem;
  margin-top: 0.22rem;
  border-radius: 0.12rem;
  background:
    linear-gradient(135deg, #e8c872 0%, #c9a227 45%, #a8841a 100%);
  box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.15);
  opacity: 0.95;
}
.cc-name {
  align-self: end;
  font-size: 0.58rem;
  font-weight: 750;
  letter-spacing: -0.01em;
  line-height: 1.15;
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.25);
  max-width: 100%;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.cc-network {
  position: absolute;
  right: 0.35rem;
  bottom: 0.28rem;
  font-size: 0.42rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  opacity: 0.85;
  line-height: 1;
}

/* Sizes */
.cc-face.sm {
  width: 3.6rem;
  height: 2.25rem;
  border-radius: 0.32rem;
}
.cc-face.sm .cc-face-inner { padding: 0.2rem 0.28rem 0.18rem; }
.cc-face.sm .cc-bank { font-size: 0.38rem; }
.cc-face.sm .cc-emv { width: 0.55rem; height: 0.42rem; margin-top: 0.12rem; }
.cc-face.sm .cc-name { font-size: 0.42rem; }
.cc-face.sm .cc-network { font-size: 0.32rem; right: 0.22rem; bottom: 0.16rem; }

.cc-face.md {
  width: 5.375rem;
  height: 3.375rem;
}

.cc-face.lg {
  width: 10.75rem; /* 172 */
  height: 6.75rem; /* 108 */
  border-radius: 0.75rem;
}
.cc-face.lg .cc-face-inner { padding: 0.65rem 0.75rem 0.55rem; }
.cc-face.lg .cc-bank { font-size: 0.72rem; letter-spacing: 0.08em; }
.cc-face.lg .cc-emv { width: 1.55rem; height: 1.15rem; margin-top: 0.45rem; border-radius: 0.2rem; }
.cc-face.lg .cc-name { font-size: 1.05rem; font-weight: 780; }
.cc-face.lg .cc-network { font-size: 0.7rem; right: 0.7rem; bottom: 0.55rem; }

/* Bank gradients */
.cc-face.dbs {
  --cc-from: #e11d2e;
  --cc-to: #8a0a18;
}
.cc-face.uob {
  --cc-from: #2b4cb8;
  --cc-to: #142a6b;
}
.cc-face.ocbc {
  --cc-from: #ef2a3a;
  --cc-to: #9a0f1c;
}
.cc-face.citi {
  --cc-from: #0a5a9c;
  --cc-to: #002848;
}
.cc-face.hsbc {
  --cc-from: #f01424;
  --cc-to: #8c000c;
}
.cc-face.sc,
.cc-face.standard-chartered {
  --cc-from: #0a9a45;
  --cc-to: #004d22;
}
.cc-face.amex,
.cc-face.american-express {
  --cc-from: #1a8ae8;
  --cc-to: #004a8f;
}
.cc-face.unknown {
  --cc-from: #94a3b8;
  --cc-to: #475569;
}

/* Layout hooks */
.result-head .cc-face {
  margin-right: 0.15rem;
}
.card-name-row .cc-face {
  align-self: center;
}
.hero-card-visual {
  display: flex;
  align-items: flex-start;
  gap: 1.15rem;
  flex-wrap: wrap;
  margin: 0.85rem 0 0.35rem;
}
.hero-card-visual .card-name-row {
  flex: 1 1 14rem;
  align-items: center;
}
table.cards td .cc-face {
  margin-right: 0.45rem;
}
@media (max-width: 520px) {
  .cc-face.lg {
    width: 8.6rem;
    height: 5.4rem;
  }
  .cc-face.lg .cc-name { font-size: 0.88rem; }
  .cc-face.lg .cc-bank { font-size: 0.62rem; }
  .cc-face.lg .cc-network { font-size: 0.58rem; }
}

/* Merchant directory */
.merchant-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(15.5rem, 1fr));
  gap: 0.85rem;
  margin: 1.25rem 0 2rem;
}
a.merchant-card {
  display: block;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.1rem;
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow);
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
}
a.merchant-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
  border-color: color-mix(in srgb, var(--brand) 35%, var(--line));
  color: inherit;
}
a.merchant-card strong {
  font-size: 1.05rem;
  letter-spacing: -0.02em;
}
table.cards tr.rank-1 td {
  background: color-mix(in srgb, var(--brand-soft) 55%, #fff);
}