/* ===== Clubul Financiar — design system ===== */
:root{
  --emerald:#10b981; --emerald-d:#059669; --blue:#2563eb; --blue-d:#1d4ed8;
  --navy:#0f2540; --gold:#E8C268;
  --bg:#ffffff; --bg-soft:#f5f8fc; --bg-soft2:#eef4fb;
  --text:#0f2540; --muted:#5b7088; --card:#ffffff; --border:#e6edf5;
  --shadow:0 10px 30px rgba(15,37,64,.08); --shadow-lg:0 24px 60px rgba(15,37,64,.14);
  --radius:16px; --radius-lg:22px; --maxw:1180px;
  --grad:linear-gradient(135deg,var(--emerald),var(--blue));
}
[data-theme="dark"]{
  --bg:#0a1424; --bg-soft:#0e1c30; --bg-soft2:#12233b;
  --text:#e8eefb; --muted:#93a7c4; --card:#101f35; --border:rgba(255,255,255,.09);
  --shadow:0 10px 30px rgba(0,0,0,.35); --shadow-lg:0 24px 60px rgba(0,0,0,.5);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;transition:background .3s,color .3s}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.section{padding:78px 0}
.section-sm{padding:48px 0}
.eyebrow{color:var(--emerald);font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.76rem}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em}
h2.title{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:800;margin:10px 0 12px}
.lead{color:var(--muted);font-size:1.08rem;max-width:640px}
.center{text-align:center}.center .lead{margin-inline:auto}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.96rem;padding:13px 24px;
  border-radius:12px;cursor:pointer;border:1px solid transparent;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 8px 24px rgba(16,185,129,.35)}
.btn-ghost{background:transparent;border-color:var(--border);color:var(--text)}
.btn-ghost:hover{border-color:var(--emerald);color:var(--emerald)}
.btn-light{background:rgba(255,255,255,.15);color:#fff;border-color:rgba(255,255,255,.3)}

/* navbar */
.nav{position:sticky;top:0;z-index:1000;background:color-mix(in srgb,var(--bg) 82%,transparent);
  backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--border)}
.nav-in{display:flex;align-items:center;gap:18px;height:64px}
.brand-logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.12rem;letter-spacing:-.02em}
.brand-logo .dot{width:30px;height:30px;border-radius:9px;background:var(--grad);display:grid;place-items:center;color:#fff;font-size:.9rem}
.nav-links{display:flex;gap:4px;margin-left:8px;flex-wrap:wrap}
.nav-links a{padding:8px 11px;border-radius:9px;color:var(--muted);font-weight:600;font-size:.92rem;transition:.15s}
.nav-links a:hover{color:var(--text);background:var(--bg-soft)}
.nav-right{margin-left:auto;display:flex;align-items:center;gap:10px}
.icon-btn{width:38px;height:38px;border-radius:10px;border:1px solid var(--border);background:var(--card);
  display:grid;place-items:center;cursor:pointer;color:var(--text)}
.icon-btn:hover{border-color:var(--emerald)}
.burger{display:none}
@media(max-width:980px){
  .nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg);flex-direction:column;
    padding:12px 18px;border-bottom:1px solid var(--border);box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px;font-size:1rem}
  .burger{display:grid}
}

/* hero */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(900px 500px at 85% -10%,rgba(37,99,235,.14),transparent 60%),
  radial-gradient(700px 460px at 0% 10%,rgba(16,185,129,.14),transparent 55%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:70px 0 84px}
.hero h1{font-size:clamp(2.1rem,5vw,3.6rem);font-weight:900}
.hero .lead{margin:18px 0 26px;font-size:1.16rem}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-trust{margin-top:26px;color:var(--muted);font-size:.86rem;display:flex;gap:18px;flex-wrap:wrap}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr;gap:30px;padding:46px 0 56px}}

/* card visual in hero */
.glasscard{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:22px;box-shadow:var(--shadow-lg)}
.chart{height:170px;display:flex;align-items:flex-end;gap:10px;padding:10px 4px 0}
.chart .bar{flex:1;background:var(--grad);border-radius:8px 8px 0 0;opacity:.88;animation:grow .9s ease both}
@keyframes grow{from{height:0}}
.mini-row{display:flex;justify-content:space-between;margin-top:14px;font-size:.85rem;color:var(--muted)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;text-align:center;box-shadow:var(--shadow)}
.stat .num{font-size:1.9rem;font-weight:900;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stat .lbl{color:var(--muted);font-size:.9rem;margin-top:4px}
@media(max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}

/* generic card grid */
.grid{display:grid;gap:18px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s,border-color .18s;height:100%}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:color-mix(in srgb,var(--emerald) 45%,var(--border))}
.card .ic{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,rgba(16,185,129,.16),rgba(37,99,235,.16));
  display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.card h3{font-size:1.12rem;margin-bottom:6px}
.card p{color:var(--muted);font-size:.95rem}
.card .more{color:var(--emerald);font-weight:700;font-size:.9rem;margin-top:12px;display:inline-block}

/* levels */
.level{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--border);
  border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);transition:.18s}
.level:hover{transform:translateY(-3px);border-color:var(--emerald)}
.level .n{flex:0 0 44px;height:44px;border-radius:12px;background:var(--grad);color:#fff;font-weight:900;display:grid;place-items:center}

/* pricing */
.price{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow);position:relative;height:100%}
.price.feat{border-color:var(--emerald);box-shadow:0 20px 50px rgba(16,185,129,.22)}
.price .tag{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--grad);color:#fff;font-size:.72rem;font-weight:800;padding:5px 14px;border-radius:999px;letter-spacing:.04em}
.price .amt{font-size:2.1rem;font-weight:900;margin:6px 0}
.price .amt span{font-size:.95rem;color:var(--muted);font-weight:600}
.price ul{list-style:none;margin:16px 0;display:flex;flex-direction:column;gap:9px}
.price li{color:var(--muted);font-size:.93rem;padding-left:24px;position:relative}
.price li::before{content:"✓";position:absolute;left:0;color:var(--emerald);font-weight:900}

/* band */
.band{background:var(--grad);color:#fff;border-radius:var(--radius-lg);padding:46px;text-align:center;box-shadow:var(--shadow-lg)}
.band h2{font-size:clamp(1.6rem,3.2vw,2.3rem);font-weight:900}
.band p{opacity:.92;margin:10px auto 22px;max-width:560px}

/* footer */
.foot{background:var(--bg-soft);border-top:1px solid var(--border);padding:54px 0 28px;margin-top:20px}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px}
.foot h4{font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin-bottom:12px}
.foot a{display:block;color:var(--text);opacity:.8;padding:5px 0;font-size:.92rem}
.foot a:hover{opacity:1;color:var(--emerald)}
.foot .soc{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.foot .soc a{width:36px;height:36px;border-radius:10px;border:1px solid var(--border);display:grid;place-items:center;opacity:.85}
.foot-bottom{border-top:1px solid var(--border);margin-top:34px;padding-top:18px;color:var(--muted);font-size:.84rem;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}

/* badge / pill */
.pill{display:inline-block;background:var(--bg-soft2);color:var(--emerald-d);border:1px solid var(--border);
  border-radius:999px;padding:5px 13px;font-size:.8rem;font-weight:700;margin:3px}

/* article */
.article{max-width:760px;margin:0 auto;padding:40px 22px 60px}
.article h1{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:900;margin:14px 0}
.article .meta{color:var(--muted);font-size:.88rem;margin-bottom:8px}
.article h2{font-size:1.5rem;margin:30px 0 10px}
.article h3{font-size:1.18rem;margin:22px 0 8px}
.article p,.article li{color:var(--text);opacity:.92;margin:10px 0;font-size:1.04rem}
.article ul{padding-left:22px}
.article .disc{margin-top:34px;padding:14px 16px;background:var(--bg-soft);border-left:3px solid var(--gold);border-radius:8px;color:var(--muted);font-size:.9rem}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media(max-width:760px){.calc{grid-template-columns:1fr}}
.calc .panel{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.field input,.field select{width:100%;padding:12px;border-radius:10px;border:1px solid var(--border);background:var(--bg);color:var(--text);font-size:1rem}
.result-big{font-size:2.4rem;font-weight:900;background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.result-row{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid var(--border);font-size:.95rem}
.result-row b{font-weight:800}
.reveal{opacity:0;transform:translateY(14px);transition:.6s}
.reveal.in{opacity:1;transform:none}