/* Statebank MN · Үйлчлүүлэгчийн санал — prelend (MN) */

:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --text: #102f5b;
  --muted: #6f7b91;
  --primary: #102f5b;
  --primary-dark: #152b5c;
  --accent: #003a8d;
  --line: #d7e0ec;
  --soft: #eef3fa;
  --shadow: 0 16px 40px rgba(16, 47, 91, 0.08);
  --radius: 14px;
  --font: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

.page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.wrap {
  width: min(1080px, calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: inherit;
  text-decoration: none;
  font-weight: 800;
}

.brand:hover {
  text-decoration: none;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  color: #fff;
  background: linear-gradient(145deg, var(--primary), var(--accent));
  font-size: 14px;
  font-weight: 900;
}

.brand-text {
  display: flex;
  flex-direction: column;
  gap: 1px;
  line-height: 1.2;
}

.brand-name {
  font-size: 14px;
  letter-spacing: -0.01em;
}

.brand-sub {
  font-size: 11px;
  font-weight: 600;
  color: var(--muted);
  letter-spacing: 0.01em;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 650;
}

.nav-links a {
  color: inherit;
}

.nav-links a:hover,
.nav-links a.is-active {
  color: var(--primary);
}

.hero {
  padding: 56px 0 28px;
  background:
    radial-gradient(circle at 12% 20%, rgba(42, 122, 106, 0.12), transparent 28%),
    radial-gradient(circle at 88% 10%, rgba(31, 78, 121, 0.12), transparent 30%),
    linear-gradient(180deg, #ffffff 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--line);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  padding: 7px 12px;
  border-radius: 999px;
  background: var(--soft);
  border: 1px solid #c5d6ea;
  color: var(--primary-dark);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.hero h1 {
  margin: 0 0 16px;
  max-width: 16ch;
  font-size: clamp(1.9rem, 4.2vw, 2.85rem);
  line-height: 1.12;
  letter-spacing: -0.02em;
}

.hero-lead {
  margin: 0 0 24px;
  max-width: 38rem;
  color: var(--muted);
  font-size: 1.05rem;
}

.hero-lead strong {
  color: var(--text);
}

.hero-note {
  margin: 18px 0 0;
  font-size: 0.82rem;
  color: var(--muted);
  font-weight: 650;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 10px;
  border: 1px solid transparent;
  font-weight: 750;
  font-size: 0.95rem;
  text-decoration: none;
  cursor: pointer;
  font-family: inherit;
}

.btn:hover {
  text-decoration: none;
}

.btn-primary {
  color: #fff;
  background: var(--primary);
  box-shadow: 0 12px 24px rgba(31, 78, 121, 0.22);
}

.btn-primary:hover {
  background: var(--primary-dark);
}

.btn-secondary {
  color: var(--primary-dark);
  background: #fff;
  border-color: var(--line);
}

.hero-panel {
  padding: 24px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.hero-panel h2 {
  margin: 0 0 10px;
  font-size: 1.15rem;
}

.hero-panel p {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 0.95rem;
}

.panel-badge {
  display: inline-block;
  margin-bottom: 10px;
  padding: 4px 10px;
  border-radius: 999px;
  background: rgba(0, 58, 141, 0.1);
  color: var(--accent);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.panel-foot {
  margin: 14px 0 0 !important;
  padding-top: 12px;
  border-top: 1px solid var(--line);
  font-size: 0.82rem !important;
}

.checklist {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 10px;
}

.checklist li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.92rem;
  color: var(--text);
}

.checklist .dot {
  flex: 0 0 auto;
  width: 18px;
  height: 18px;
  margin-top: 2px;
  border-radius: 50%;
  background: rgba(42, 122, 106, 0.14);
  color: var(--accent);
  display: grid;
  place-items: center;
  font-size: 11px;
  font-weight: 900;
}

main {
  flex: 1;
  padding: 48px 0 72px;
}

.section {
  margin-bottom: 56px;
}

.section-head {
  max-width: 40rem;
  margin-bottom: 28px;
}

.section-head h2 {
  margin: 0 0 10px;
  font-size: clamp(1.45rem, 2.8vw, 1.9rem);
  line-height: 1.2;
}

.section-head p {
  margin: 0;
  color: var(--muted);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.cards--two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
  padding: 22px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 8px 22px rgba(21, 32, 51, 0.04);
}

.card-icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 10px;
  background: var(--soft);
  color: var(--primary);
  font-weight: 900;
  font-size: 0.85rem;
}

.card h3 {
  margin: 0 0 8px;
  font-size: 1.05rem;
}

.card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.card--muted {
  background: var(--soft);
  border-style: dashed;
}

.card--muted h3 {
  margin: 0 0 8px;
  font-size: 0.98rem;
}

.article-list {
  display: grid;
  gap: 14px;
}

.article-item {
  display: grid;
  grid-template-columns: 88px 1fr;
  gap: 16px;
  padding: 18px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  text-decoration: none;
  color: inherit;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.article-item:hover {
  text-decoration: none;
  border-color: #b8c9de;
  box-shadow: var(--shadow);
}

.article-tag {
  display: grid;
  place-items: center;
  min-height: 72px;
  border-radius: 10px;
  background: linear-gradient(145deg, var(--soft), #dfeaf5);
  color: var(--primary-dark);
  font-size: 0.75rem;
  font-weight: 800;
  text-align: center;
  padding: 8px;
  line-height: 1.25;
}

.article-item h3 {
  margin: 0 0 6px;
  font-size: 1.05rem;
}

.article-item p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.note-box {
  padding: 20px 22px;
  border-radius: var(--radius);
  background: #f2faf7;
  border: 1px solid #c7e6db;
  color: var(--muted);
  font-size: 0.92rem;
}

.note-box strong {
  color: var(--text);
}

.page-hero {
  padding: 36px 0 8px;
}

.page-hero h1 {
  margin: 0 0 10px;
  font-size: clamp(1.7rem, 3.5vw, 2.2rem);
}

.page-hero p {
  margin: 0;
  max-width: 40rem;
  color: var(--muted);
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 0 0 14px;
  padding: 0;
  list-style: none;
  font-size: 0.82rem;
  color: var(--muted);
}

.breadcrumbs a {
  color: var(--muted);
}

.prose {
  max-width: 46rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 8px 22px rgba(21, 32, 51, 0.04);
}

.prose h2 {
  margin: 1.6rem 0 0.6rem;
  font-size: 1.2rem;
}

.prose h2:first-child {
  margin-top: 0;
}

.prose p,
.prose li {
  color: var(--muted);
}

.prose ul {
  padding-left: 1.2rem;
}

.prose a {
  font-weight: 650;
}

.footer {
  margin-top: auto;
  padding: 28px 0 36px;
  border-top: 1px solid var(--line);
  background: #fff;
}

.footer-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  color: var(--muted);
  font-size: 0.86rem;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 16px;
}

.footer-links a {
  color: var(--muted);
}

.footer-disclaimer {
  display: block;
  margin-top: 4px;
  font-size: 0.78rem;
  opacity: 0.85;
}

@media (max-width: 900px) {
  .hero-grid,
  .cards,
  .cards--two {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    max-width: none;
  }

  .nav-links {
    display: none;
  }
}

@media (max-width: 600px) {
  .article-item {
    grid-template-columns: 1fr;
  }

  .article-tag {
    min-height: 48px;
    justify-self: start;
    padding: 8px 12px;
  }

  .prose {
    padding: 20px 16px;
  }
}