/* Merchant Processing Guide — NerdWallet/Wirecutter inspired */
:root {
  --primary: #1a1a2e;
  --accent: #0066ff;
  --accent-hover: #0052cc;
  --bg: #ffffff;
  --bg-alt: #f7f8fa;
  --text: #1a1a2e;
  --text-muted: #6b7280;
  --border: #e5e7eb;
  --success: #10b981;
  --warning: #f59e0b;
  --radius: 8px;
  --max-w: 1200px;
  --content-w: 780px;
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  font-size: 17px;
}

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

/* NAV */
.nav {
  border-bottom: 1px solid var(--border);
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-logo {
  font-size: 20px;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: -0.5px;
}
.nav-logo span { color: var(--accent); }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a { color: var(--text-muted); font-size: 15px; font-weight: 500; }
.nav-links a:hover { color: var(--text); text-decoration: none; }
.nav-cta {
  background: var(--accent);
  color: #fff !important;
  padding: 8px 20px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
}
.nav-cta:hover { background: var(--accent-hover); text-decoration: none; }

/* HERO */
.hero {
  background: linear-gradient(135deg, #0a0a1a 0%, #1a1a3e 100%);
  color: #fff;
  padding: 80px 24px;
  text-align: center;
}
.hero h1 {
  font-size: 42px;
  font-weight: 800;
  max-width: 700px;
  margin: 0 auto 16px;
  letter-spacing: -1px;
  line-height: 1.15;
}
.hero p {
  font-size: 19px;
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin: 0 auto 32px;
}
.hero-cta {
  display: inline-block;
  background: var(--accent);
  color: #fff !important;
  padding: 14px 36px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 17px;
  transition: background 0.2s;
}
.hero-cta:hover { background: var(--accent-hover); text-decoration: none; }

/* SECTION */
.section {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 64px 24px;
}
.section-title {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.section-subtitle {
  color: var(--text-muted);
  margin-bottom: 40px;
  font-size: 17px;
}

/* ARTICLE CARDS */
.articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 24px;
}
.article-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: box-shadow 0.2s;
}
.article-card:hover {
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}
.article-card .tag {
  display: inline-block;
  background: var(--bg-alt);
  color: var(--text-muted);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 12px;
}
.article-card h3 {
  font-size: 19px;
  font-weight: 700;
  margin-bottom: 8px;
  line-height: 1.3;
}
.article-card h3 a { color: var(--text); }
.article-card h3 a:hover { color: var(--accent); text-decoration: none; }
.article-card p {
  color: var(--text-muted);
  font-size: 15px;
  line-height: 1.5;
}
.article-card .meta {
  margin-top: 16px;
  font-size: 13px;
  color: var(--text-muted);
}

/* COMPARISON TABLE */
.comparison-banner {
  background: var(--bg-alt);
  border-radius: var(--radius);
  padding: 40px;
  text-align: center;
  margin: 48px 0;
}
.comparison-banner h2 { font-size: 24px; margin-bottom: 12px; }
.comparison-banner p { color: var(--text-muted); margin-bottom: 24px; }

/* ARTICLE PAGE */
.article-header {
  max-width: var(--content-w);
  margin: 0 auto;
  padding: 48px 24px 0;
}
.article-header .breadcrumb {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 16px;
}
.article-header h1 {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}
.article-header .byline {
  font-size: 15px;
  color: var(--text-muted);
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}
.article-content {
  max-width: var(--content-w);
  margin: 0 auto;
  padding: 32px 24px 64px;
}
.article-content h2 {
  font-size: 24px;
  font-weight: 700;
  margin: 36px 0 16px;
}
.article-content h3 {
  font-size: 20px;
  font-weight: 600;
  margin: 28px 0 12px;
}
.article-content p { margin-bottom: 16px; }
.article-content ul, .article-content ol {
  margin: 0 0 16px 24px;
}
.article-content li { margin-bottom: 8px; }
.article-content blockquote {
  border-left: 3px solid var(--accent);
  padding: 16px 24px;
  background: var(--bg-alt);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 24px 0;
  font-style: italic;
  color: var(--text-muted);
}

/* RATING BOX */
.rating-box {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin: 24px 0;
  display: flex;
  align-items: flex-start;
  gap: 20px;
}
.rating-box.top-pick { border-color: var(--success); border-width: 2px; }
.rating-box .badge {
  background: var(--success);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  padding: 4px 8px;
  border-radius: 4px;
  white-space: nowrap;
}
.rating-box h4 { font-size: 18px; margin-bottom: 4px; }
.rating-box .score { font-size: 28px; font-weight: 800; color: var(--accent); }
.rating-box .pros-cons { font-size: 14px; color: var(--text-muted); }

/* QUIZ CTA */
.quiz-cta {
  background: linear-gradient(135deg, #0a0a1a 0%, #1a1a3e 100%);
  color: #fff;
  border-radius: var(--radius);
  padding: 40px;
  text-align: center;
  margin: 40px 0;
}
.quiz-cta h3 { font-size: 22px; margin-bottom: 8px; }
.quiz-cta p { color: rgba(255,255,255,0.7); margin-bottom: 20px; }

/* FOOTER */
.footer {
  background: var(--primary);
  color: rgba(255,255,255,0.6);
  padding: 48px 24px;
  font-size: 14px;
}
.footer-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
}
.footer h4 { color: #fff; margin-bottom: 16px; font-size: 15px; }
.footer ul { list-style: none; }
.footer li { margin-bottom: 8px; }
.footer a { color: rgba(255,255,255,0.6); }
.footer a:hover { color: #fff; }
.footer-bottom {
  max-width: var(--max-w);
  margin: 32px auto 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  font-size: 13px;
}

/* MOBILE */
@media (max-width: 768px) {
  .hero h1 { font-size: 28px; }
  .hero { padding: 48px 20px; }
  .articles-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .footer-inner { grid-template-columns: 1fr; }
  .rating-box { flex-direction: column; }
  .article-header h1 { font-size: 26px; }
}