/* =========================================================
   Components — nav, buttons, cards, forms (reference match)
   ========================================================= */

/* ----- Glass card ----- */
.glass-card {
  border: 1px solid hsla(0, 0%, 100%, 0.4);
  background-color: hsla(0, 0%, 100%, 0.7);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-radius: var(--radius);
  box-shadow: 0 4px 24px rgba(11, 23, 40, 0.06);
}
.dark .glass-card {
  border-color: hsla(0, 0%, 100%, 0.08);
  background-color: hsla(215, 45%, 11%, 0.7);
}

/* Premium border for product cards */
.premium-border { position: relative; }
.premium-border::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(135deg, rgba(222,168,33,.6), rgba(191,204,217,.3), rgba(222,168,33,.4));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
  z-index: 1;
}

/* ----- Buttons (rounded-md, h-11 / h-10 / h-9) ----- */
.btn-ref {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  font-family: var(--font-sans);
  font-weight: 500;
  line-height: 1.25;
  border-radius: calc(var(--radius) - 2px); /* rounded-md ≈ 0.375rem when radius 0.75 */
  border: 1px solid transparent;
  transition: color .15s ease, background-color .15s ease, opacity .15s ease, border-color .15s ease;
  text-decoration: none !important;
  cursor: pointer;
}
.btn-ref:focus-visible {
  outline: 2px solid hsl(var(--ring));
  outline-offset: 2px;
}
.btn-ref i, .btn-ref svg {
  flex-shrink: 0;
}

.btn-gold-ref {
  height: 2.75rem; /* h-11 */
  padding: 0 2rem; /* px-8 */
  font-size: 1rem;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%) !important;
  border: none;
}
.btn-gold-ref:hover { opacity: 0.9; color: hsl(215 70% 12%) !important; }

.btn-ghost-light-ref {
  height: 2.75rem;
  padding: 0 2rem;
  font-size: 1rem;
  border: 1px solid rgba(255,255,255,0.3);
  background: rgba(255,255,255,0.05);
  color: #fff !important;
  backdrop-filter: blur(8px);
}
.btn-ghost-light-ref:hover {
  background: rgba(255,255,255,0.1);
  color: #fff !important;
}

.btn-navy-ref {
  height: 2.75rem;
  padding: 0 2rem;
  font-size: 0.875rem;
  background-image: var(--navy-gradient);
  color: #fff !important;
  border: none;
}
.btn-navy-ref:hover { filter: brightness(1.05); color: #fff !important; }

.btn-outline-ref {
  height: 2.75rem;
  padding: 0 2rem;
  font-size: 0.875rem;
  border: 1px solid hsl(var(--input));
  background: hsl(var(--background));
  color: hsl(var(--foreground)) !important;
}
.btn-outline-ref:hover {
  background: hsl(var(--accent));
  color: hsl(var(--accent-foreground)) !important;
}

.btn-outline-sm-ref {
  height: 2.5rem; /* h-10 */
  padding: 0 1rem;
  font-size: 0.875rem;
  border: 1px solid hsl(var(--input));
  background: hsl(var(--background));
  color: hsl(var(--foreground)) !important;
}
.btn-outline-sm-ref:hover {
  background: hsl(var(--accent));
  color: hsl(var(--accent-foreground)) !important;
}

.btn-details-ref {
  height: 2.5rem;
  width: 100%;
  margin-top: 1rem;
  padding: 0 1rem;
  font-size: 0.875rem;
  background-image: var(--navy-gradient);
  color: #fff !important;
  border: none;
  border-radius: calc(var(--radius) - 2px);
}
.btn-details-ref:hover { filter: brightness(1.05); color: #fff !important; }

.btn-signup-ref {
  height: 2.25rem; /* h-9 */
  padding: 0 0.75rem;
  font-size: 0.875rem;
  background-image: var(--navy-gradient);
  color: #fff !important;
  border: none;
}
.btn-signup-ref:hover { filter: brightness(1.05); color: #fff !important; }

.btn-login-ref {
  height: 2.25rem;
  padding: 0 0.75rem;
  font-size: 0.875rem;
  background: transparent;
  border: none;
  color: hsl(var(--foreground)) !important;
}
.btn-login-ref:hover {
  background: hsl(var(--accent));
  color: hsl(var(--accent-foreground)) !important;
}

/* Legacy aliases used in existing PHP pages */
.btn-gold,
a.btn-gold,
button.btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  height: 2.75rem;
  padding: 0 2rem;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 500;
  border-radius: calc(var(--radius) - 2px);
  border: none;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%) !important;
  text-decoration: none !important;
  transition: opacity .15s ease;
}
.btn-gold:hover { opacity: 0.9; color: hsl(215 70% 12%) !important; }

.btn-navy,
a.btn-navy,
button.btn-navy {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  height: 2.75rem;
  padding: 0 2rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 500;
  border-radius: calc(var(--radius) - 2px);
  border: none;
  background-image: var(--navy-gradient);
  color: #fff !important;
  text-decoration: none !important;
}
.btn-navy:hover { filter: brightness(1.05); color: #fff !important; }

.btn-ghost-light,
a.btn-ghost-light {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  height: 2.75rem;
  padding: 0 2rem;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 500;
  border-radius: calc(var(--radius) - 2px);
  border: 1px solid rgba(255,255,255,0.3);
  background: rgba(255,255,255,0.05);
  color: #fff !important;
  text-decoration: none !important;
}
.btn-ghost-light:hover { background: rgba(255,255,255,0.1); color: #fff !important; }

.btn-outline-navy,
.btn-outline-soft,
a.btn-outline-navy,
a.btn-outline-soft {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  height: 2.5rem;
  padding: 0 1rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  font-weight: 500;
  border-radius: calc(var(--radius) - 2px);
  border: 1px solid hsl(var(--input));
  background: hsl(var(--background));
  color: hsl(var(--foreground)) !important;
  text-decoration: none !important;
}
.btn-outline-navy:hover,
.btn-outline-soft:hover {
  background: hsl(43 74% 50% / 0.15);
  color: hsl(var(--foreground)) !important;
}
.btn-sm { height: 2.25rem !important; padding: 0 0.75rem !important; font-size: 0.8125rem !important; }
.w-100.btn-gold, .btn-gold.w-100, .w-100.btn-navy { width: 100%; }

/* ----- Forms ----- */
.form-control, .form-select {
  display: block;
  width: 100%;
  height: 2.75rem;
  padding: 0.5rem 0.75rem;
  font-family: var(--font-sans);
  font-size: 0.875rem;
  color: hsl(var(--foreground));
  background: hsl(var(--background));
  border: 1px solid hsl(var(--input));
  border-radius: calc(var(--radius) - 2px);
  transition: border-color .15s ease, box-shadow .15s ease;
}
textarea.form-control { height: auto; min-height: 6rem; }
.form-control:focus, .form-select:focus {
  outline: none;
  border-color: hsl(var(--ring));
  box-shadow: 0 0 0 2px hsl(var(--ring) / 0.2);
}
.form-label {
  display: block;
  margin-bottom: 0.375rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: hsl(var(--foreground));
}
.form-control::placeholder { color: hsl(var(--muted-foreground)); }

/* ----- Icon buttons ----- */
.icon-btn-ref {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.25rem;
  height: 2.25rem;
  padding: 0;
  border-radius: 9999px;
  border: 1px solid hsl(var(--border));
  background: hsl(var(--background));
  color: hsl(var(--muted-foreground));
  transition: background .15s ease, color .15s ease;
}
.icon-btn-ref:hover {
  background: hsl(var(--accent));
  color: hsl(var(--accent-foreground));
}

/* ----- Breadcrumb ----- */
.phz-breadcrumb { padding: 1rem 0 0; }
.phz-breadcrumb ol {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 0.35rem; align-items: center;
  font-size: 0.875rem; color: hsl(var(--muted-foreground));
}
.phz-breadcrumb li:not(:last-child)::after { content: "/"; margin-left: 0.35rem; opacity: 0.5; }
.phz-breadcrumb a { color: hsl(var(--muted-foreground)); }
.phz-breadcrumb a:hover { color: var(--gold); }
.phz-breadcrumb span { color: var(--navy); font-weight: 500; }

/* ----- Account dashboard ----- */
.account-layout {
  max-width: var(--max-7xl);
  margin: 0 auto;
  padding: 2rem 1rem 4rem;
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 1.5rem;
  align-items: start;
}
@media (max-width: 991.98px) {
  .account-layout { grid-template-columns: 1fr; }
}
.account-sidebar { padding: 1.25rem; position: sticky; top: calc(var(--header-h) + 1rem); }
.account-sidebar-head {
  display: flex; align-items: center; gap: 0.75rem;
  padding-bottom: 1rem; margin-bottom: 0.75rem;
  border-bottom: 1px solid hsl(var(--border));
}
.account-nav { display: flex; flex-direction: column; gap: 0.25rem; }
.account-nav a {
  display: flex; align-items: center; gap: 0.65rem;
  padding: 0.65rem 0.75rem; border-radius: calc(var(--radius) - 2px);
  font-size: 0.875rem; font-weight: 500;
  color: hsl(var(--muted-foreground));
  transition: background .15s ease, color .15s ease;
}
.account-nav a svg { width: 1rem; height: 1rem; }
.account-nav a:hover { background: hsl(var(--secondary) / 0.6); color: hsl(var(--foreground)); }
.account-nav a.active {
  background: hsl(var(--secondary));
  color: hsl(var(--secondary-foreground));
}
.account-panel { padding: 1.5rem; }
.dash-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-bottom: 1.5rem;
}
@media (max-width: 767.98px) { .dash-cards { grid-template-columns: 1fr; } }
.dash-card {
  padding: 1.25rem;
  border-radius: var(--radius);
  border: 1px solid hsl(var(--border));
  background: #fff;
}
.dash-card .lbl { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.06em; color: hsl(var(--muted-foreground)); font-weight: 600; }
.dash-card .val {
  margin-top: 0.35rem;
  font-family: var(--font-num);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}

/* Cart table refinements */
.cart-panel { padding: 1rem; }
.cart-table { width: 100%; }
.cart-table th {
  font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em;
  color: hsl(var(--muted-foreground)); font-weight: 600; border-bottom: 1px solid hsl(var(--border));
  padding: 0.75rem;
}
.cart-table td { padding: 1rem 0.75rem; border-bottom: 1px solid hsl(var(--border)); vertical-align: middle; }
.qty-selector { display: inline-flex; align-items: center; gap: 0.35rem; }
.qty-selector input {
  width: 3.5rem; height: 2.25rem; text-align: center;
  border: 1px solid hsl(var(--input)); border-radius: calc(var(--radius) - 2px);
}

/* Blog cards */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 991.98px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 575.98px) { .blog-grid { grid-template-columns: 1fr; } }
.blog-card { overflow: hidden; display: flex; flex-direction: column; height: 100%; }
.blog-card .thumb { aspect-ratio: 16/10; overflow: hidden; background: var(--silver-gradient); }
.blog-card .thumb img { width: 100%; height: 100%; object-fit: cover; }
.blog-card .body { padding: 1.25rem; display: flex; flex-direction: column; flex: 1; }
.blog-card .meta { font-size: 0.75rem; color: hsl(var(--muted-foreground)); margin-bottom: 0.5rem; }
.blog-card h3 { font-family: var(--font-serif); font-size: 1.15rem; color: var(--navy); margin: 0 0 0.5rem; }
.blog-card h3 a { color: inherit; }
.policy-content {
  max-width: 48rem; margin: 0 auto;
}
.policy-content h2 { font-family: var(--font-serif); color: var(--navy); font-size: 1.35rem; margin: 2rem 0 0.75rem; }
.policy-content p, .policy-content li { color: hsl(var(--muted-foreground)); line-height: 1.7; }
.policy-content h2:first-child { margin-top: 0; }

.faq-wrap { max-width: 54rem; margin: 0 auto; }
.faq-wrap .accordion-item { border: 0; overflow: hidden; }
.faq-wrap .accordion-button { font-weight: 600; color: var(--navy); background: transparent; box-shadow: none; }
.faq-wrap .accordion-button:not(.collapsed) { color: var(--navy); background: transparent; }
.spec-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
  margin: 0 0 1.5rem;
}
.auth-card {
  max-width: 440px; margin: 2.5rem auto 4rem; padding: 2rem;
}
.auth-card.auth-card-wide { max-width: 34rem; }
.search-bar {
  display: flex; gap: 0.5rem; max-width: 40rem; margin: 0 auto 2rem;
}
.search-bar input { flex: 1; }

/* =========================================================
   Reference inner pages — FAQ / Investment / Silver Bars / Rate
   Matches bolt.host layout using homepage design tokens only
   ========================================================= */

.page-hero-ref {
  background-image: var(--navy-gradient);
  color: #fff;
  text-align: center;
  padding: 4rem 1rem;
}
@media (min-width: 1024px) {
  .page-hero-ref { padding-top: 5rem; padding-bottom: 5rem; }
}
.page-hero-ref-inner {
  max-width: 48rem;
  margin: 0 auto;
}
.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  border-radius: 9999px;
  border: 1px solid rgba(222, 168, 33, 0.3);
  background: rgba(255, 255, 255, 0.05);
  padding: 0.375rem 1rem;
  font-size: 0.75rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold);
}
.page-hero-ref h1 {
  margin: 1rem 0 0;
  font-family: var(--font-serif);
  font-size: 2.25rem;
  font-weight: 700;
  color: #fff;
}
@media (min-width: 640px) {
  .page-hero-ref h1 { font-size: 3rem; }
}
.page-hero-ref .lead {
  margin: 1rem auto 0;
  max-width: 40rem;
  color: rgba(217, 224, 232, 0.85);
}

/* FAQ */
.faq-section-ref {
  max-width: 56rem;
  margin: 0 auto;
  padding: 4rem 1rem;
}
.faq-cat-head {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}
.faq-cat-head .icon-round {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 9999px;
  background-image: var(--navy-gradient);
  display: grid;
  place-items: center;
  color: var(--gold);
  flex-shrink: 0;
}
.faq-cat-head h2 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
}
.faq-accordion-ref {
  padding: 0 1rem;
}
@media (min-width: 640px) {
  .faq-accordion-ref { padding: 0 1.5rem; }
}
.faq-accordion-ref .faq-item {
  border-bottom: 1px solid hsl(var(--border));
}
.faq-accordion-ref .faq-item:last-child { border-bottom: 0; }
.faq-accordion-ref .accordion-button {
  padding: 1rem 0;
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  background: transparent;
  box-shadow: none;
  gap: 1rem;
}
.faq-accordion-ref .accordion-button:not(.collapsed) {
  background: transparent;
  color: var(--navy);
  box-shadow: none;
}
.faq-accordion-ref .accordion-button::after {
  background-image: none;
  content: "";
  width: 1rem;
  height: 1rem;
  flex-shrink: 0;
  margin-left: auto;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  transition: transform 0.2s ease;
  opacity: 0.55;
}
.faq-accordion-ref .accordion-button:not(.collapsed)::after {
  transform: rotate(-135deg);
  margin-top: 0.35rem;
}
.faq-accordion-ref .accordion-body {
  padding: 0 0 1rem;
  font-size: 0.875rem;
  color: hsl(var(--muted-foreground));
  line-height: 1.65;
}
.faq-cta-ref {
  margin-top: 3rem;
  text-align: center;
  border-radius: var(--radius);
  border: 1px solid hsl(var(--border));
  background: hsl(var(--secondary) / 0.35);
  padding: 2rem 1.5rem;
}
.faq-cta-ref h3 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
}
.faq-cta-ref p {
  margin: 0.5rem 0 1rem;
  color: hsl(var(--muted-foreground));
}
.faq-cta-meta {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem 1.25rem;
  font-size: 0.875rem;
}
.faq-cta-meta span {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: hsl(var(--foreground));
}
.faq-cta-meta i,
.faq-cta-meta svg { color: var(--gold); width: 1rem; height: 1rem; }

/* Investment steps */
.scheme-steps-ref {
  margin-top: 3rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) { .scheme-steps-ref { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .scheme-steps-ref { grid-template-columns: repeat(4, 1fr); } }
.scheme-step-card {
  position: relative;
  text-align: center;
  padding: 1.5rem;
  padding-top: 1.75rem;
}
.scheme-step-badge {
  position: absolute;
  top: -0.75rem;
  left: 50%;
  transform: translateX(-50%);
  border-radius: 9999px;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.15rem 0.75rem;
  white-space: nowrap;
}
.scheme-step-icon {
  width: 3.5rem;
  height: 3.5rem;
  margin: 0.5rem auto 0;
  border-radius: 9999px;
  background-image: var(--navy-gradient);
  box-shadow: 0 4px 12px rgba(11, 23, 40, 0.2);
  display: grid;
  place-items: center;
  color: var(--gold);
}
.scheme-step-card h3 {
  margin: 1rem 0 0;
  font-family: var(--font-serif);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy);
}
.scheme-step-card p {
  margin: 0.5rem 0 0;
  font-size: 0.875rem;
  color: hsl(var(--muted-foreground));
}

/* Investment plan cards */
.plan-grid-ref {
  margin-top: 3rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 640px) { .plan-grid-ref { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .plan-grid-ref { grid-template-columns: repeat(4, 1fr); } }
.plan-card-ref {
  position: relative;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border-radius: 1rem;
  border: 1px solid hsl(var(--border));
  padding: 1.5rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.plan-card-ref:hover {
  transform: translateY(-4px);
}
.plan-card-ref .plan-head {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.plan-card-ref .plan-icon {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 9999px;
  background: var(--silver-gradient);
  display: grid;
  place-items: center;
  color: var(--navy);
  flex-shrink: 0;
}
.plan-card-ref h3 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
}
.plan-card-ref .plan-label {
  margin: 1.25rem 0 0;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: hsl(var(--muted-foreground));
}
.plan-card-ref .plan-amount {
  margin: 0.25rem 0 0;
  font-family: var(--font-num);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.plan-card-ref .plan-pros {
  list-style: none;
  margin: 1.5rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  font-size: 0.875rem;
}
.plan-card-ref .plan-pros li {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}
.plan-card-ref .plan-pros i,
.plan-card-ref .plan-pros svg {
  width: 1rem;
  height: 1rem;
  color: var(--gold);
  flex-shrink: 0;
}
.plan-card-ref .plan-cta {
  margin-top: auto;
  padding-top: 1.5rem;
}
.plan-card-ref.is-popular {
  border-color: rgba(222, 168, 33, 0.5);
  background-image: var(--navy-gradient);
  box-shadow: 0 16px 40px rgba(12, 32, 59, 0.25);
  color: rgba(217, 224, 232, 0.9);
}
.plan-card-ref.is-popular h3 { color: #fff; }
.plan-card-ref.is-popular .plan-label { color: rgba(217, 224, 232, 0.7); }
.plan-card-ref.is-popular .plan-amount { color: var(--gold); }
.plan-card-ref.is-popular .plan-icon {
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold);
}
.plan-card-ref.is-popular .plan-pros span { color: rgba(255, 255, 255, 0.9); }
.plan-popular-badge {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  border-radius: 9999px;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 0.2rem 0.65rem;
}

/* Scheme rules */
.scheme-rules-ref {
  margin-top: 1.5rem;
  overflow: hidden;
}
.scheme-rules-head {
  background-image: var(--navy-gradient);
  color: #fff;
  padding: 1.5rem 1.5rem 1.25rem;
}
.scheme-rules-head h2 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
}
.scheme-rules-head p {
  margin: 0.35rem 0 0;
  font-size: 0.875rem;
  color: rgba(217, 224, 232, 0.7);
}
.scheme-rules-list {
  list-style: none;
  margin: 0;
  padding: 1.5rem;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
}
@media (min-width: 768px) {
  .scheme-rules-list { grid-template-columns: 1fr 1fr; }
}
.scheme-rules-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  border: 1px solid hsl(var(--border));
  background: hsl(var(--secondary) / 0.2);
  border-radius: 0.5rem;
  padding: 0.75rem;
  font-size: 0.875rem;
  color: hsl(var(--foreground) / 0.9);
}
.scheme-rules-list i,
.scheme-rules-list svg {
  width: 1rem;
  height: 1rem;
  margin-top: 0.15rem;
  color: var(--gold);
  flex-shrink: 0;
}

/* Silver bars listing */
.bars-section-ref {
  max-width: var(--max-7xl);
  margin: 0 auto;
  padding: 3rem 1rem 5rem;
}
.bars-toolbar {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2rem;
}
@media (min-width: 640px) {
  .bars-toolbar {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}
.bars-toolbar h2 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
}
.bars-toolbar .meta {
  margin: 0.15rem 0 0;
  font-size: 0.875rem;
  color: hsl(var(--muted-foreground));
}
.bars-rate-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.625rem 1rem;
}
.bars-rate-pill .icon {
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 9999px;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%);
  display: grid;
  place-items: center;
  box-shadow: 0 4px 10px rgba(187, 134, 27, 0.35);
}
.bars-rate-pill .lbl {
  display: block;
  font-size: 0.625rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: hsl(var(--muted-foreground));
}
.bars-rate-pill .val {
  display: block;
  font-family: var(--font-num);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  font-variant-numeric: tabular-nums;
}
.filter-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 2rem;
}
.filter-pills a {
  border-radius: 9999px;
  border: 1px solid hsl(var(--border));
  background: hsl(var(--secondary));
  color: hsl(var(--secondary-foreground));
  padding: 0.375rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.filter-pills a:hover {
  border-color: var(--gold);
  color: var(--navy);
}
.filter-pills a.active {
  background-image: var(--navy-gradient);
  border-color: transparent;
  color: #fff;
}
.bars-section-ref .product-grid-ref { margin-top: 0; }

/* Today's rate page */
.rate-page-ref {
  max-width: 48rem;
  margin: 0 auto;
  padding: 3rem 1rem 4rem;
}
.rate-highlight-ref {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem;
  margin-top: 1.5rem;
}
.rate-highlight-ref .icon {
  width: 3rem;
  height: 3rem;
  border-radius: 9999px;
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.rate-highlight-ref .amt {
  margin: 0;
  font-family: var(--font-num);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.rate-highlight-ref .sub {
  margin: 0.15rem 0 0;
  font-size: 0.875rem;
  color: hsl(var(--muted-foreground));
}
.rate-note-ref {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 1rem;
  margin-top: 1.5rem;
}
.rate-note-ref i,
.rate-note-ref svg {
  width: 1.25rem;
  height: 1.25rem;
  margin-top: 0.15rem;
  color: var(--gold);
  flex-shrink: 0;
}
.rate-note-ref p {
  margin: 0;
  font-size: 0.875rem;
  color: hsl(var(--muted-foreground));
  line-height: 1.6;
}
.rate-history-ref {
  margin-top: 2rem;
  overflow: hidden;
}
.rate-history-ref .head {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 1.25rem;
  border-bottom: 1px solid hsl(var(--border));
}
.rate-history-ref .head h2 {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
}
.rate-history-ref .head i,
.rate-history-ref .head svg {
  width: 1.25rem;
  height: 1.25rem;
  color: var(--gold);
}
.rate-history-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  border-top: 1px solid hsl(var(--border));
}
.rate-history-row:first-child { border-top: 0; }
.rate-history-row .left {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.rate-history-row .num {
  width: 2rem;
  height: 2rem;
  border-radius: 9999px;
  display: grid;
  place-items: center;
  font-size: 0.75rem;
  font-weight: 700;
  background: hsl(var(--secondary));
  color: hsl(var(--secondary-foreground));
}
.rate-history-row .num.is-latest {
  background-image: var(--gold-gradient);
  color: hsl(215 70% 12%);
}
.rate-history-row .price {
  margin: 0;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
}
.rate-history-row .when {
  margin: 0.1rem 0 0;
  font-size: 0.75rem;
  color: hsl(var(--muted-foreground));
}
.chip-latest {
  border-radius: 9999px;
  background: rgba(34, 197, 94, 0.1);
  color: #16a34a;
  font-size: 0.75rem;
  font-weight: 500;
  padding: 0.25rem 0.75rem;
}

.compact-summary {
  padding: 1rem 1.15rem;
}
.compact-summary h4 { margin-bottom: 0.5rem; }