/* ============================================================
   Osservatorio Bancario LAB STP (banche.labstp.com)
   Stile derivato dai token del sito principale labstp.com
   (assets/pages.css). Mantenere coerenti i colori brand.
   ============================================================ */
:root{
  --navy:#002176; --navy-dark:#001550; --navy-mid:#0a2d8f;
  --cyan:#2D98DC; --cyan-l:#5BB8F0; --cyan-pale:#EAF5FD;
  --warm:#F7F5F0; --warm2:#F2EFE8; --white:#FFFFFF;
  --g100:#F0EEE8; --g200:#DDD9D0; --g400:#9E9A91; --g600:#5A5650;
  --text:#1A1830;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.7;color:var(--text);background:var(--white);overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit}

/* ═══ NAV ═══ */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,0.97);backdrop-filter:blur(16px);height:70px;display:flex;align-items:center;justify-content:space-between;padding:0 5%;border-bottom:1px solid var(--g200)}
.nav-logo{display:flex;align-items:center;gap:.7rem;text-decoration:none}
.nav-logo img{height:38px}
.nav-logo span{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--cyan);border-left:1px solid var(--g200);padding-left:.7rem}
.nav-links{display:flex;align-items:center;gap:1.8rem;list-style:none}
.nav-links a{color:var(--navy);text-decoration:none;font-size:.78rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;transition:color .2s}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--cyan)}
.btn-nav{background:var(--navy);color:#fff;border:none;padding:10px 22px;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;transition:background .2s}
.btn-nav:hover{background:var(--navy-mid)}

/* ═══ HERO ═══ */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:140px 5% 70px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;top:-40%;right:-10%;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(45,152,220,.22),transparent 65%)}
.ph-inner{max-width:1180px;margin:0 auto;position:relative;z-index:2}
.crumb{font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;color:var(--cyan-l);margin-bottom:1.4rem}
.crumb a{color:var(--cyan-l);text-decoration:none}
.crumb a:hover{color:#fff}
.page-hero .eyebrow{font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--cyan);font-weight:600;margin-bottom:1rem}
.page-hero h1{font-family:'Fraunces',serif;font-size:clamp(2.1rem,4.2vw,3.4rem);font-weight:700;line-height:1.1;letter-spacing:-.01em;max-width:24ch}
.page-hero h1 em{font-style:italic;font-weight:300;color:var(--cyan-l)}
.page-hero .lead{margin-top:1.3rem;font-size:1.08rem;color:#cdd8ef;max-width:64ch;font-weight:300}
.hero-meta{margin-top:1.4rem;font-size:.85rem;color:#8ea3d8;display:flex;flex-wrap:wrap;gap:1.4rem}

/* ═══ LAYOUT ═══ */
.container{max-width:1180px;margin:0 auto;padding:0 5%}
section.block{padding:72px 0}
section.block.warm{background:var(--warm)}
.sec-head{margin-bottom:2.6rem;max-width:62ch}
.sec-head .eyebrow{font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;color:var(--cyan);font-weight:600;margin-bottom:.7rem}
.sec-head h2{font-family:'Fraunces',serif;font-size:clamp(1.8rem,2.8vw,2.5rem);font-weight:600;color:var(--navy);line-height:1.15}
.sec-head p{margin-top:1rem;color:var(--g600);font-size:1.02rem}

/* ═══ CARD ARTICOLI ═══ */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.4rem}
.card{background:#fff;border:1px solid var(--g200);border-radius:2px;padding:2rem 1.8rem;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 40px rgba(0,33,118,.1);border-color:var(--cyan)}
.card .tag{font-size:.68rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--cyan);margin-bottom:.8rem}
.card h3{font-family:'Fraunces',serif;font-size:1.28rem;font-weight:600;color:var(--navy);margin-bottom:.7rem;line-height:1.25}
.card h3 a{text-decoration:none}
.card h3 a:hover{color:var(--cyan)}
.card p{color:var(--g600);font-size:.95rem;flex:1}
.card .meta{margin-top:1rem;padding-top:1rem;border-top:1px solid var(--g100);font-size:.8rem;color:var(--g400)}
.card .leggi{margin-top:.8rem;font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);text-decoration:none}
.card .leggi:hover{color:var(--cyan)}

/* ═══ FASCIA CTA ═══ */
.band{background:var(--navy);color:#fff;padding:64px 0}
.band .container{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:2rem}
.band h2{font-family:'Fraunces',serif;font-size:clamp(1.6rem,2.6vw,2.2rem);font-weight:600;line-height:1.2;max-width:24ch}
.band p{color:#cdd8ef;margin-top:.8rem;max-width:52ch;font-weight:300}
.btn-p{background:var(--cyan);color:#fff;border:none;padding:15px 34px;font-size:.82rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s;white-space:nowrap}
.btn-p:hover{background:var(--cyan-l);transform:translateY(-2px);box-shadow:0 8px 24px rgba(45,152,220,.35)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4);padding:13px 30px;font-size:.82rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;text-decoration:none;display:inline-block;transition:all .2s}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}

/* ═══ PROSE ARTICOLO ═══ */
.prose{max-width:74ch}
.prose p{margin-bottom:1.15rem;color:#3a3850}
.prose h2{font-family:'Fraunces',serif;color:var(--navy);font-size:1.65rem;margin:2.4rem 0 1rem;line-height:1.2}
.prose h3{font-family:'Fraunces',serif;color:var(--navy);font-size:1.35rem;margin:2rem 0 .8rem}
.prose ul,.prose ol{margin:0 0 1.2rem 1.2rem}
.prose li{margin-bottom:.5rem;color:#3a3850}
.prose blockquote{border-left:3px solid var(--cyan);background:var(--cyan-pale);padding:1rem 1.4rem;margin:1.4rem 0;font-style:italic;color:var(--navy)}
.prose a{color:var(--cyan);text-decoration:underline}

/* Scheda provvedimento */
.scheda{background:var(--warm);border:1px solid var(--g200);border-left:4px solid var(--navy);padding:1.4rem 1.6rem;margin:1.8rem 0;font-size:.92rem}
.scheda h4{font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);margin-bottom:.7rem}
.scheda dl{display:grid;grid-template-columns:max-content 1fr;gap:.3rem 1.2rem}
.scheda dt{font-weight:600;color:var(--navy)}
.scheda dd{color:var(--g600)}

/* Box "il punto del consulente" */
.punto-ctu{background:var(--cyan-pale);border:1px solid var(--cyan-l);padding:1.6rem 1.8rem;margin:2rem 0}
.punto-ctu h4{font-family:'Fraunces',serif;color:var(--navy);font-size:1.15rem;margin-bottom:.7rem}
.punto-ctu p{color:#27406b;font-size:.96rem;margin-bottom:.8rem}
.punto-ctu p:last-child{margin-bottom:0}

.disclaimer{font-size:.78rem;color:var(--g400);border-top:1px solid var(--g100);margin-top:2.6rem;padding-top:1.2rem;line-height:1.6}

/* ═══ FOOTER ═══ */
footer{background:var(--navy-dark);color:#cdd8ef;padding:64px 5% 32px;font-size:.9rem}
.ft-inner{max-width:1180px;margin:0 auto}
.ft-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2.4rem;padding-bottom:2.4rem;border-bottom:1px solid rgba(255,255,255,.12)}
.ft-logo{height:42px;margin-bottom:1.1rem;filter:brightness(0) invert(1)}
.ft-brand p{font-size:.9rem;color:#aebbd8;margin-bottom:.6rem}
.ft-cred{font-size:.78rem;color:#8593b5;line-height:1.6}
.ft-col h4{color:#fff;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1rem;font-weight:600}
.ft-col p,.ft-col a{display:block;color:#aebbd8;text-decoration:none;font-size:.86rem;margin-bottom:.55rem;line-height:1.5}
.ft-col a:hover{color:var(--cyan-l)}
.ft-bottom{padding-top:1.8rem;font-size:.76rem;color:#7f8db0;line-height:1.6}

@media(max-width:860px){
  .nav-links{display:none}
  .ft-top{grid-template-columns:1fr;gap:1.8rem}
  .band .container{flex-direction:column;align-items:flex-start}
  .scheda dl{grid-template-columns:1fr}
}