/* ==========================================================================
   MoneyLander — Design System
   ========================================================================== */

:root {
  --navy:       #1F3A5F;
  --navy-deep:  #152847;
  --cream:      #F5F1ED;
  --surface:    #FFFBF8;
  --cyan:       #06B6D4;
  --cyan-soft:  rgba(6, 182, 212, 0.12);
  --text:       #2D2520;
  --text-light: #6B5F57;
  --white:      #FFFFFF;
  --border:     #E8DED6;
  --shadow:     0 18px 40px rgba(31, 58, 95, 0.08);
  --shadow-lg:  0 24px 60px rgba(31, 58, 95, 0.12);
  --radius-xl:  36px;
  --radius-lg:  28px;
  --radius-md:  18px;
  --radius-sm:  12px;
  --container:  1180px;
}

/* ---------- Reset & Base ---------- */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Sora', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--cream);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.container { width: min(var(--container), calc(100% - 2rem)); margin: 0 auto; }
.section { padding: 5rem 0; }
.page-shell { min-height: 100vh; display: flex; flex-direction: column; }
main { flex: 1; }

/* ---------- Header ---------- */

.site-header {
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  background: rgba(245, 241, 237, 0.92);
  border-bottom: 1px solid rgba(31, 58, 95, 0.08);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: 1rem 0;
}
.brand {
  display: flex; align-items: center; gap: 0.75rem;
  font-weight: 800; font-size: 1.2rem; color: var(--navy); letter-spacing: -0.02em;
}
.brand-icon {
  width: 40px; height: 40px; border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--navy), var(--cyan));
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-weight: 800; font-size: 1.1rem;
}
.brand-logo { height: 42px; width: auto; }
.header-nav { display: flex; align-items: center; gap: 0.25rem; }
.header-actions { display: flex; align-items: center; gap: 0.75rem; }
.menu-toggle {
  display: none; align-items: center; justify-content: center;
  width: 48px; height: 48px; border-radius: 999px;
  border: 1px solid rgba(31, 58, 95, 0.15);
  background: rgba(255, 255, 255, 0.72);
  color: var(--navy); font-size: 1.1rem; cursor: pointer;
}

/* ---------- Nav Items & Dropdowns ---------- */

.nav-item { position: relative; }
.nav-item > a {
  display: flex; align-items: center; gap: 0.35rem;
  padding: 0.6rem 1rem; font-weight: 600; font-size: 0.95rem;
  color: var(--text-light); border-radius: var(--radius-sm); transition: all 0.2s;
}
.nav-item > a:hover, .nav-item:hover > a {
  color: var(--navy); background: rgba(31, 58, 95, 0.05);
}
.nav-item > a .fa-chevron-down { font-size: 0.65rem; opacity: 0.5; transition: all 0.2s; }
.nav-item:hover > a .fa-chevron-down { opacity: 1; transform: rotate(180deg); }

.dropdown {
  position: absolute; top: 100%; left: 0; min-width: 240px; padding: 0.75rem;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: all 0.25s ease; z-index: 100;
}
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: flex; align-items: center; gap: 0.75rem;
  padding: 0.65rem 0.85rem; border-radius: var(--radius-sm);
  font-size: 0.88rem; font-weight: 500; color: var(--text); transition: all 0.2s;
}
.dropdown a:hover { background: var(--cream); color: var(--cyan); }
.dropdown a i { width: 18px; text-align: center; color: var(--navy); font-size: 0.85rem; transition: color 0.2s; }
.dropdown a:hover i { color: var(--cyan); }
.dropdown-label {
  display: block; padding: 0.5rem 0.85rem 0.25rem;
  font-size: 0.68rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--text-light);
}
.dropdown-divider { height: 1px; background: var(--border); margin: 0.5rem 0.85rem; }
.dropdown-view-all { font-weight: 700 !important; color: var(--navy) !important; }
.dropdown-view-all:hover { color: var(--cyan) !important; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 0.5rem; min-height: 52px; padding: 0.9rem 1.6rem;
  border-radius: 999px; font-weight: 700; font-size: 1rem;
  border: 2px solid transparent; transition: all 0.25s ease;
  cursor: pointer; font-family: inherit; text-decoration: none;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--white); color: var(--navy); box-shadow: 0 12px 28px rgba(255,255,255,0.3); }
.btn-primary:hover { box-shadow: 0 16px 36px rgba(255,255,255,0.4); }
.btn-secondary { background: var(--navy); color: var(--white); box-shadow: 0 12px 28px rgba(31,58,95,0.2); }
.btn-secondary:hover { background: var(--navy-deep); }
.btn-outline { border-color: rgba(255,255,255,0.3); background: rgba(255,255,255,0.08); color: var(--white); }
.btn-outline:hover { background: rgba(255,255,255,0.15); }
.btn-ghost { border-color: rgba(31,58,95,0.15); background: rgba(255,255,255,0.65); color: var(--navy); }

/* ---------- Search Overlay ---------- */

.search-toggle {
  width: 44px; height: 44px; border-radius: 999px;
  border: 1px solid rgba(31,58,95,0.15); background: rgba(255,255,255,0.65);
  color: var(--navy); font-size: 1rem; cursor: pointer;
  display: flex; align-items: center; justify-content: center; transition: all 0.2s;
}
.search-toggle:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.search-overlay {
  position: fixed; top: 0; left: 0; right: 0; bottom: 0; z-index: 200;
  background: rgba(21,40,71,0.6); backdrop-filter: blur(6px);
  display: flex; align-items: flex-start; justify-content: center; padding-top: 12vh;
  opacity: 0; visibility: hidden; transition: all 0.3s ease;
}
.search-overlay.is-open { opacity: 1; visibility: visible; }
.search-box {
  width: min(640px, calc(100% - 2rem)); background: var(--white);
  border-radius: var(--radius-lg); box-shadow: 0 30px 80px rgba(0,0,0,0.25);
  overflow: hidden; transform: translateY(-20px); transition: transform 0.3s ease;
}
.search-overlay.is-open .search-box { transform: translateY(0); }
.search-input-wrap {
  display: flex; align-items: center; gap: 1rem;
  padding: 1.25rem 1.5rem; border-bottom: 1px solid var(--border);
}
.search-input-wrap i { color: var(--text-light); font-size: 1.1rem; flex-shrink: 0; }
.search-input-wrap input {
  flex: 1; border: none; outline: none; font-family: inherit;
  font-size: 1.1rem; color: var(--text); background: transparent;
}
.search-input-wrap input::placeholder { color: var(--text-light); }
.search-close {
  background: none; border: none; color: var(--text-light);
  font-size: 0.8rem; cursor: pointer; padding: 0.4rem;
  border-radius: 8px; transition: all 0.2s;
}
.search-close:hover { background: var(--cream); color: var(--text); }
.search-hints { padding: 1.25rem 1.5rem; }
.search-hints-label {
  font-size: 0.7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--text-light); margin-bottom: 0.75rem;
}
.search-hints a {
  display: inline-block; padding: 0.4rem 0.9rem; margin: 0.2rem;
  border-radius: 999px; background: var(--cream);
  font-size: 0.82rem; font-weight: 600; color: var(--navy); transition: all 0.2s;
}
.search-hints a:hover { background: var(--navy); color: var(--white); }

/* ---------- Hero ---------- */

.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, #243a66 55%, #2a4d73 100%);
  color: var(--white); padding: 6rem 0; min-height: 680px;
  display: flex; align-items: center;
}
.hero::before {
  content: ''; position: absolute; top: -120px; right: -80px;
  width: 550px; height: 550px; border-radius: 50%;
  background: radial-gradient(circle, rgba(6,182,212,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: ''; position: absolute; bottom: -180px; left: -60px;
  width: 450px; height: 450px; border-radius: 50%;
  background: radial-gradient(circle, rgba(6,182,212,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 420px;
  gap: 3rem; align-items: center; position: relative; z-index: 1;
}
.eyebrow {
  display: inline-block; padding: 0.5rem 1.2rem; border-radius: 999px;
  font-size: 0.75rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  background: rgba(6,182,212,0.15); border: 1px solid rgba(6,182,212,0.3);
  color: rgba(255,255,255,0.95); margin-bottom: 1.5rem;
}
.hero h1 {
  font-size: clamp(2.6rem, 5vw, 3.8rem); font-weight: 800;
  line-height: 1.08; letter-spacing: -0.03em; margin: 0 0 1.5rem 0;
}
.hero p {
  font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.8);
  max-width: 520px; margin: 0 0 2.5rem 0;
}
.hero-actions { display: flex; gap: 1rem; margin-bottom: 3rem; }
.hero-stats { display: flex; gap: 3rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.15); }
.hero-stats .stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 0.25rem; }
.hero-stats .stat-value { font-size: 1.5rem; font-weight: 800; }

/* Hero Card */
.hero-card {
  background: rgba(255,255,255,0.97); border-radius: var(--radius-lg);
  padding: 2rem; box-shadow: 0 20px 60px rgba(0,0,0,0.15);
}
.hero-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 0.5rem; }
.hero-card-header span { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--navy); }
.hero-card-header i { color: var(--cyan); font-size: 0.9rem; }
.hero-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--text); margin: 0 0 1.5rem 0; }
.tool-btn {
  display: flex; align-items: center; gap: 1rem; width: 100%;
  padding: 0.9rem 1rem; border-radius: var(--radius-sm);
  background: var(--cream); border: 1px solid var(--border);
  color: var(--text); text-align: left; cursor: pointer;
  transition: all 0.25s ease; font-family: inherit; font-size: inherit;
}
.tool-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); transform: translateY(-2px); }
.tool-btn:hover .tool-icon { background: rgba(255,255,255,0.15); }
.tool-btn:hover .tool-icon i { color: var(--white); }
.tool-btn:hover .tool-sub { color: rgba(255,255,255,0.7); }
.tool-icon {
  width: 40px; height: 40px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  background: var(--cyan-soft); flex-shrink: 0; transition: all 0.25s ease;
}
.tool-icon i { color: var(--navy); font-size: 0.95rem; transition: color 0.25s ease; }
.tool-title { font-size: 0.9rem; font-weight: 600; }
.tool-sub { font-size: 0.75rem; color: var(--text-light); transition: color 0.25s ease; }
.tool-list { display: flex; flex-direction: column; gap: 0.6rem; margin-bottom: 1.5rem; }
.topic-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.5rem; }
.topic-btn {
  display: flex; flex-direction: column; align-items: center; gap: 0.4rem;
  padding: 0.75rem 0.5rem; border-radius: var(--radius-sm);
  background: var(--cream); border: 1px solid transparent;
  color: var(--navy); font-size: 0.72rem; font-weight: 600;
  cursor: pointer; transition: all 0.25s ease; font-family: inherit;
}
.topic-btn i { font-size: 1rem; color: var(--navy); transition: color 0.25s ease; }
.topic-btn:hover { background: var(--navy); color: var(--white); transform: translateY(-2px); }
.topic-btn:hover i { color: var(--white); }
.topic-label {
  font-size: 0.7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--text-light); margin-bottom: 0.5rem;
}

/* ---------- Section Headers ---------- */

.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-eyebrow {
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--cyan); margin-bottom: 0.75rem;
}
.section-header h2 {
  font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800;
  letter-spacing: -0.02em; color: var(--text); margin: 0 0 0.75rem 0; line-height: 1.15;
}
.section-header p { font-size: 1.05rem; color: var(--text-light); max-width: 560px; margin: 0 auto; }

/* ---------- Category Grid ---------- */

.category-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
.category-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 2rem 1.5rem;
  text-align: center; transition: all 0.3s ease; cursor: pointer; display: block;
}
.category-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(6,182,212,0.3); }
.category-icon {
  width: 56px; height: 56px; border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.25rem; background: var(--cyan-soft);
}
.category-icon i { font-size: 1.3rem; color: var(--navy); }
.category-card h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin: 0 0 0.4rem 0; }
.category-card p { font-size: 0.8rem; color: var(--text-light); margin: 0; line-height: 1.5; }

/* ---------- Article Cards ---------- */

.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.article-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden;
  transition: all 0.3s ease; cursor: pointer; display: block;
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.article-img { width: 100%; height: 200px; object-fit: cover; }
.article-body { padding: 1.75rem; }
.article-tag {
  display: inline-block; padding: 0.3rem 0.8rem; border-radius: 999px;
  font-size: 0.7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.05em; background: var(--cyan-soft); color: var(--navy); margin-bottom: 0.75rem;
}
.article-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--text); margin: 0 0 0.6rem 0; line-height: 1.35; }
.article-card p { font-size: 0.85rem; color: var(--text-light); margin: 0; line-height: 1.6; }

/* ---------- Tools Grid (Collapsible) ---------- */

.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.tools-grid-small { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.25rem; margin-top: 1.25rem; }
.tools-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.75rem;
  box-shadow: 0 2px 8px rgba(31,58,95,0.04); transition: all 0.3s ease;
}
.tools-card:hover { box-shadow: var(--shadow); border-color: rgba(6,182,212,0.2); }
.tools-card-header { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.6rem; }
.tools-card-icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  background: var(--cyan-soft); flex-shrink: 0;
}
.tools-card-icon i { font-size: 1rem; color: var(--navy); }
.tools-card-header h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin: 0; }
.tools-card-desc { font-size: 0.85rem; color: var(--text-light); margin: 0 0 1rem 0; line-height: 1.5; }
.tools-card-toggle {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-family: inherit; font-size: 0.82rem; font-weight: 700;
  color: var(--navy); background: none; border: none; cursor: pointer; padding: 0; transition: color 0.2s;
}
.tools-card-toggle:hover { color: var(--cyan); }
.tools-card-toggle i { font-size: 0.65rem; transition: transform 0.3s ease; }
.tools-card-toggle.is-open i { transform: rotate(180deg); }
.tools-card-list {
  list-style: none; margin: 0; padding: 0;
  max-height: 0; overflow: hidden; transition: max-height 0.4s ease, margin 0.3s ease;
}
.tools-card-list.is-open { margin-top: 1rem; }
.tools-card-list li { border-top: 1px solid var(--border); }
.tools-card-list li:last-child { border-bottom: 1px solid var(--border); }
.tools-card-list a {
  display: flex; align-items: center; gap: 0.6rem;
  padding: 0.6rem 0.25rem; font-size: 0.88rem; font-weight: 500;
  color: var(--text); transition: all 0.15s;
}
.tools-card-list a:hover { color: var(--cyan); padding-left: 0.5rem; }
.tools-card-list a i { font-size: 0.7rem; color: var(--text-light); width: 16px; text-align: center; transition: color 0.15s; }
.tools-card-list a:hover i { color: var(--cyan); }
.tools-grid-small .tools-card { padding: 1.25rem; }
.tools-grid-small .tools-card-icon { width: 36px; height: 36px; border-radius: 10px; }
.tools-grid-small .tools-card-icon i { font-size: 0.85rem; }
.tools-grid-small .tools-card-header h3 { font-size: 0.9rem; }
.tools-grid-small .tools-card-desc { font-size: 0.8rem; }
.tools-grid-small .tools-card-toggle { font-size: 0.78rem; }

/* ---------- FAQ ---------- */

.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; width: 100%; padding: 1.25rem 0; background: none;
  border: none; cursor: pointer; font-family: inherit;
  font-size: 1.05rem; font-weight: 700; color: var(--text);
  text-align: left; transition: color 0.2s;
}
.faq-question:hover { color: var(--cyan); }
.faq-question i { font-size: 0.7rem; color: var(--text-light); flex-shrink: 0; transition: transform 0.3s ease; }
.faq-question.is-open i { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s ease; }
.faq-answer.is-open { padding-bottom: 1.25rem; }
.faq-answer p { font-size: 0.92rem; line-height: 1.7; color: var(--text-light); margin: 0; }
.faq-answer a {
  color: var(--navy); font-weight: 600;
  text-decoration: underline; text-decoration-color: rgba(31,58,95,0.3); text-underline-offset: 3px;
}
.faq-answer a:hover { color: var(--cyan); }

/* ---------- Trust Strip ---------- */

.trust-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.trust-item { text-align: center; padding: 2rem 1rem; }
.trust-item i { font-size: 1.5rem; color: var(--cyan); margin-bottom: 1rem; display: block; }
.trust-item strong { display: block; font-size: 0.95rem; font-weight: 700; color: var(--text); margin-bottom: 0.4rem; }
.trust-item p { font-size: 0.8rem; color: var(--text-light); margin: 0; line-height: 1.5; }

/* ---------- Breadcrumb ---------- */

.breadcrumb { padding: 1.25rem 0; }
.breadcrumb ol { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 0.4rem; flex-wrap: wrap; }
.breadcrumb li { display: flex; align-items: center; gap: 0.4rem; font-size: 0.82rem; color: var(--text-light); }
.breadcrumb li a { color: var(--text-light); font-weight: 500; transition: color 0.2s; }
.breadcrumb li a:hover { color: var(--cyan); }
.breadcrumb li[aria-current="page"] { font-weight: 600; color: var(--navy); }
.breadcrumb .sep { font-size: 0.65rem; color: var(--border); }

/* ---------- Page Layout ---------- */

.page-grid { display: grid; grid-template-columns: 1fr 300px; gap: 2.5rem; align-items: start; }
.page-title {
  font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800;
  color: var(--text); letter-spacing: -0.02em; line-height: 1.15; margin: 0 0 0.5rem 0;
}
.page-updated { font-size: 0.8rem; color: var(--text-light); margin-bottom: 2rem; }
.page-updated i { margin-right: 0.25rem; }

/* ---------- Calculator Widget ---------- */

.calc-widget {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 2.5rem; margin-bottom: 1.5rem;
  box-shadow: 0 2px 8px rgba(31,58,95,0.04);
}
.calc-widget h2 { font-size: 1.2rem; font-weight: 700; color: var(--navy); margin: 0 0 1.5rem 0; }
.calc-form { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.calc-field { display: flex; flex-direction: column; gap: 0.4rem; }
.calc-field.full-width { grid-column: 1 / -1; }
.calc-field label { font-size: 0.85rem; font-weight: 600; color: var(--text); }
.calc-field label small { font-weight: 400; color: var(--text-light); }
.calc-input {
  width: 100%; padding: 0.85rem 1rem; border: 1px solid var(--border);
  border-radius: var(--radius-sm); font-family: inherit; font-size: 1rem;
  color: var(--text); background: var(--white); transition: border-color 0.2s;
}
.calc-input:focus { outline: none; border-color: var(--cyan); box-shadow: 0 0 0 3px rgba(6,182,212,0.12); }
.calc-input::placeholder { color: var(--text-light); opacity: 0.5; }
.calc-btn-submit {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 0.5rem; min-height: 52px; padding: 0.9rem 2rem;
  border-radius: 999px; font-weight: 700; font-size: 1rem;
  border: none; cursor: pointer; font-family: inherit;
  background: var(--navy); color: var(--white);
  box-shadow: 0 8px 20px rgba(31,58,95,0.2); transition: all 0.25s ease; margin-top: 0.5rem;
}
.calc-btn-submit:hover { background: var(--navy-deep); transform: translateY(-2px); }
.calc-results { display: none; margin-top: 2rem; padding-top: 2rem; border-top: 1px solid var(--border); }
.calc-results.is-visible { display: block; }
.calc-results-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.result-card { background: var(--cream); border-radius: var(--radius-md); padding: 1.25rem; text-align: center; }
.result-card.primary { background: var(--navy); color: var(--white); grid-column: 1 / -1; }
.result-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; opacity: 0.7; margin-bottom: 0.35rem; }
.result-value { font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; }
.result-card:not(.primary) .result-value { color: var(--navy); }
.result-card.primary .result-value { font-size: 2.8rem; }
.result-note { font-size: 0.82rem; color: var(--text-light); margin-top: 1.25rem; line-height: 1.6; }
.calc-helper { font-size: 0.8rem; color: var(--text-light); font-style: italic; margin-top: 0.25rem; }
.calc-method { margin-top: 1.25rem; }
.calc-method-toggle {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-family: inherit; font-size: 0.82rem; font-weight: 600;
  color: var(--navy); background: none; border: none; cursor: pointer; padding: 0; transition: color 0.2s;
}
.calc-method-toggle:hover { color: var(--cyan); }
.calc-method-toggle i { font-size: 0.6rem; transition: transform 0.3s; }
.calc-method-toggle.is-open i { transform: rotate(180deg); }
.calc-method-body { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.calc-method-body.is-open { padding-top: 0.75rem; }
.calc-method-body p { font-size: 0.85rem; color: var(--text-light); line-height: 1.6; margin: 0; }
.calc-method-body code { background: var(--cream); padding: 0.15rem 0.4rem; border-radius: 4px; font-size: 0.82rem; }

/* ---------- SEO Content ---------- */

.seo-content { margin: 2.5rem 0; }
.seo-content h2 { font-size: 1.4rem; font-weight: 800; color: var(--text); margin: 2rem 0 0.75rem 0; letter-spacing: -0.01em; }
.seo-content h2:first-child { margin-top: 0; }
.seo-content p { font-size: 0.95rem; line-height: 1.75; color: var(--text); margin: 0 0 1rem 0; }
.seo-content a {
  color: var(--navy); font-weight: 600; text-decoration: underline;
  text-decoration-color: rgba(31,58,95,0.3); text-underline-offset: 3px; transition: text-decoration-color 0.2s;
}
.seo-content a:hover { text-decoration-color: var(--cyan); color: var(--cyan); }
.seo-content img { border-radius: var(--radius-lg); margin: 1.5rem 0; }

/* ---------- Guide Content ---------- */

.guide-content { font-size: 0.98rem; line-height: 1.8; }
.guide-content p { margin: 0 0 1.25rem 0; color: var(--text); }
.guide-content h2 { font-size: 1.4rem; font-weight: 800; color: var(--text); margin: 2.5rem 0 0.75rem 0; letter-spacing: -0.01em; }
.guide-content h2:first-child { margin-top: 0; }
.guide-content a {
  color: var(--navy); font-weight: 600; text-decoration: underline;
  text-decoration-color: rgba(31,58,95,0.3); text-underline-offset: 3px; transition: text-decoration-color 0.2s;
}
.guide-content a:hover { text-decoration-color: var(--cyan); color: var(--cyan); }
.guide-content img { border-radius: var(--radius-lg); margin: 1.5rem 0; }

/* Guide Hero */
.guide-hero { position: relative; overflow: hidden; border-radius: var(--radius-xl); margin-bottom: 2.5rem; }
.guide-hero img { width: 100%; height: 320px; object-fit: cover; }
.guide-hero-overlay { position: absolute; inset: 0; background: linear-gradient(0deg, rgba(21,40,71,0.7) 0%, rgba(21,40,71,0.1) 60%); }
.guide-hero-content { position: absolute; bottom: 0; left: 0; right: 0; padding: 2rem 2.5rem; }
.guide-hero-tag {
  display: inline-block; padding: 0.35rem 0.9rem; border-radius: 999px;
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em;
  background: rgba(6,182,212,0.25); border: 1px solid rgba(6,182,212,0.4);
  color: var(--white); margin-bottom: 0.75rem;
}
.guide-hero h1 {
  font-size: clamp(1.6rem, 4vw, 2.4rem); font-weight: 800;
  color: var(--white); line-height: 1.15; letter-spacing: -0.02em; margin: 0;
}

/* Article Meta */
.article-meta {
  display: flex; align-items: center; gap: 1.5rem;
  margin-bottom: 2rem; padding-bottom: 1.5rem; border-bottom: 1px solid var(--border);
}
.article-meta-item { display: flex; align-items: center; gap: 0.4rem; font-size: 0.82rem; color: var(--text-light); }
.article-meta-item i { font-size: 0.75rem; }
.reading-time { padding: 0.25rem 0.7rem; border-radius: 999px; background: var(--cyan-soft); font-weight: 600; color: var(--navy); }

/* Step List */
.step-list { list-style: none; margin: 1.5rem 0; padding: 0; counter-reset: steps; }
.step-list li {
  counter-increment: steps; position: relative;
  padding: 1.25rem 1.25rem 1.25rem 4rem; margin-bottom: 0.75rem;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md);
}
.step-list li::before {
  content: counter(steps); position: absolute; left: 1.25rem; top: 1.25rem;
  width: 28px; height: 28px; border-radius: 999px;
  background: var(--navy); color: var(--white);
  font-size: 0.78rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step-list li strong { display: block; font-size: 0.95rem; margin-bottom: 0.35rem; color: var(--navy); }
.step-list li p { margin: 0; font-size: 0.9rem; color: var(--text-light); }

/* Callout */
.callout {
  padding: 1.25rem 1.5rem; border-radius: var(--radius-md);
  margin: 1.5rem 0; display: flex; gap: 0.75rem; align-items: flex-start;
}
.callout i { flex-shrink: 0; margin-top: 0.15rem; }
.callout p { margin: 0; font-size: 0.9rem; }
.callout-info { background: var(--cyan-soft); border: 1px solid rgba(6,182,212,0.2); }
.callout-info i { color: var(--cyan); }
.callout-warning { background: rgba(245,158,11,0.08); border: 1px solid rgba(245,158,11,0.2); }
.callout-warning i { color: #F59E0B; }

/* ---------- Sidebar ---------- */

.sidebar { position: sticky; top: 5rem; }
.sidebar-widget {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.5rem; margin-bottom: 1.25rem;
  box-shadow: 0 2px 8px rgba(31,58,95,0.04);
}
.sidebar-widget h3 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin: 0 0 1rem 0; }
.sidebar-links { list-style: none; margin: 0; padding: 0; }
.sidebar-links li { border-top: 1px solid var(--border); }
.sidebar-links li:first-child { border-top: none; }
.sidebar-links a {
  display: flex; align-items: center; gap: 0.5rem;
  padding: 0.6rem 0; font-size: 0.85rem; font-weight: 500;
  color: var(--text); transition: all 0.15s;
}
.sidebar-links a:hover { color: var(--cyan); padding-left: 0.3rem; }
.sidebar-links a i { font-size: 0.6rem; color: var(--text-light); transition: color 0.15s; }
.sidebar-links a:hover i { color: var(--cyan); }
.sidebar-featured {
  display: block; padding: 1rem; background: var(--navy);
  border-radius: var(--radius-sm); color: var(--white);
  text-align: center; font-size: 0.85rem; font-weight: 700;
  transition: all 0.2s; margin-top: 0.75rem;
}
.sidebar-featured:hover { background: var(--navy-deep); transform: translateY(-2px); }
.sidebar-featured i { margin-right: 0.3rem; }

/* Table of Contents */
.toc ol { list-style: none; margin: 0; padding: 0; counter-reset: toc; }
.toc ol li { counter-increment: toc; border-top: 1px solid var(--border); }
.toc ol li:first-child { border-top: none; }
.toc ol li a {
  display: flex; align-items: baseline; gap: 0.5rem;
  padding: 0.55rem 0; font-size: 0.82rem; font-weight: 500;
  color: var(--text); transition: color 0.15s;
}
.toc ol li a::before { content: counter(toc) "."; font-weight: 700; font-size: 0.75rem; color: var(--cyan); min-width: 1.2rem; }
.toc ol li a:hover { color: var(--cyan); }

/* ---------- Ad Placeholder ---------- */

.ad-slot {
  background: repeating-linear-gradient(45deg, rgba(31,58,95,0.03), rgba(31,58,95,0.03) 10px, transparent 10px, transparent 20px);
  border: 2px dashed var(--border); border-radius: var(--radius-md);
  padding: 1.5rem; text-align: center; margin: 1.5rem 0;
}
.ad-slot span { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-light); opacity: 0.6; }

/* ---------- Related Cards ---------- */

.related-section { margin: 2.5rem 0; }
.related-section h2 { font-size: 1.4rem; font-weight: 800; color: var(--text); margin: 0 0 1.25rem 0; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.related-card {
  display: flex; align-items: center; gap: 0.75rem;
  padding: 1rem; background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.88rem; font-weight: 600;
  color: var(--text); transition: all 0.2s;
}
.related-card:hover { background: var(--navy); color: var(--white); border-color: var(--navy); transform: translateY(-2px); }
.related-card i { color: var(--cyan); font-size: 0.85rem; transition: color 0.2s; }
.related-card:hover i { color: rgba(255,255,255,0.7); }

/* ---------- Intro Text ---------- */

.intro-text { font-size: 1.02rem; line-height: 1.75; color: var(--text); margin-bottom: 2rem; }
.intro-text p { margin: 0 0 1rem 0; }

/* ---------- Disclaimer ---------- */

.disclaimer {
  font-size: 0.8rem; line-height: 1.6; color: var(--text-light); opacity: 0.7;
  margin: 2rem 0; padding-top: 1.5rem; border-top: 1px solid var(--border);
}
.disclaimer a { color: var(--text-light); text-decoration: underline; }

/* ---------- Footer ---------- */

.site-footer { background: var(--surface); border-top: 1px solid var(--border); padding: 3rem 0; }
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.footer-links { display: flex; gap: 2rem; }
.footer-links a { font-size: 0.85rem; font-weight: 600; color: var(--text-light); transition: color 0.2s; }
.footer-links a:hover { color: var(--navy); }
.footer-copy { font-size: 0.78rem; color: var(--text-light); opacity: 0.7; max-width: 480px; }

/* ---------- Responsive ---------- */

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 420px; }
  .category-grid { grid-template-columns: repeat(2, 1fr); }
  .article-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-strip { grid-template-columns: repeat(2, 1fr); }
  .tools-grid { grid-template-columns: repeat(2, 1fr); }
  .tools-grid-small { grid-template-columns: repeat(2, 1fr); }
  .page-grid { grid-template-columns: 1fr; }
  .sidebar { position: static; display: none; }
  .calc-results-grid { grid-template-columns: 1fr 1fr; }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .hero { padding: 6rem 0 3rem; min-height: auto; }
  .hero h1 { font-size: 2.2rem; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-stats { flex-direction: column; gap: 1.5rem; }
  .header-nav { display: none; }
  .header-actions { display: none; }
  .menu-toggle { display: flex; }
  .dropdown { display: none; }
  .category-grid { grid-template-columns: 1fr 1fr; }
  .article-grid { grid-template-columns: 1fr; }
  .trust-strip { grid-template-columns: 1fr 1fr; }
  .tools-grid { grid-template-columns: 1fr; }
  .tools-grid-small { grid-template-columns: 1fr 1fr; }
  .page-grid { grid-template-columns: 1fr; }
  .calc-form { grid-template-columns: 1fr; }
  .calc-results-grid { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .guide-hero img { height: 220px; }
  .guide-hero-content { padding: 1.5rem; }
  .guide-hero h1 { font-size: 1.4rem; }
  .step-list li { padding-left: 3.5rem; }
  .article-meta { flex-wrap: wrap; gap: 0.75rem; }
  .footer-inner { flex-direction: column; text-align: center; }
  .page-title { font-size: 1.6rem; }
  .calc-widget { padding: 1.5rem; }
  .cookie-banner-inner { flex-direction: column; }
  .cookie-banner-actions { flex-direction: column; }
  .cookie-prefs-modal { margin: 1rem; max-height: calc(100vh - 2rem); }
}

/* ---------- Cookie Consent ---------- */

.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 300;
  background: var(--white);
  border-top: 1px solid var(--border);
  box-shadow: 0 -8px 30px rgba(31, 58, 95, 0.1);
  padding: 1.25rem;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.cookie-banner.is-visible {
  transform: translateY(0);
}
.cookie-banner-inner {
  max-width: var(--container);
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.cookie-banner-text {
  flex: 1;
}
.cookie-banner-text strong {
  font-size: 0.95rem;
  color: var(--text);
  display: block;
  margin-bottom: 0.25rem;
}
.cookie-banner-text p {
  font-size: 0.82rem;
  color: var(--text-light);
  margin: 0;
  line-height: 1.5;
}
.cookie-banner-actions {
  display: flex;
  gap: 0.5rem;
  flex-shrink: 0;
}
.btn-cookie {
  padding: 0.6rem 1.2rem;
  border-radius: 999px;
  font-family: inherit;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
}
.btn-cookie-accept {
  background: var(--navy);
  color: var(--white);
}
.btn-cookie-accept:hover {
  background: var(--navy-deep);
}
.btn-cookie-reject {
  background: var(--cream);
  color: var(--text);
  border: 1px solid var(--border);
}
.btn-cookie-reject:hover {
  background: var(--border);
}
.btn-cookie-manage {
  background: transparent;
  color: var(--navy);
  border: 1px solid rgba(31, 58, 95, 0.2);
}
.btn-cookie-manage:hover {
  background: rgba(31, 58, 95, 0.05);
}

/* Cookie Preferences Modal */
.cookie-prefs-overlay {
  position: fixed;
  inset: 0;
  z-index: 350;
  background: rgba(21, 40, 71, 0.5);
  backdrop-filter: blur(4px);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
}
.cookie-prefs-overlay.is-visible {
  opacity: 1;
  visibility: visible;
}
.cookie-prefs-modal {
  width: min(480px, calc(100% - 2rem));
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
  overflow: hidden;
  transform: translateY(20px);
  transition: transform 0.3s ease;
}
.cookie-prefs-overlay.is-visible .cookie-prefs-modal {
  transform: translateY(0);
}
.cookie-prefs-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--border);
}
.cookie-prefs-header h2 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  margin: 0;
}
.cookie-prefs-close {
  background: none;
  border: none;
  color: var(--text-light);
  font-size: 1rem;
  cursor: pointer;
  padding: 0.3rem;
  border-radius: 8px;
  transition: all 0.2s;
}
.cookie-prefs-close:hover {
  background: var(--cream);
  color: var(--text);
}
.cookie-prefs-body {
  padding: 1rem 1.5rem;
}
.cookie-pref-group {
  border-bottom: 1px solid var(--border);
  padding: 1rem 0;
}
.cookie-pref-group:last-child {
  border-bottom: none;
}
.cookie-pref-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.cookie-pref-row strong {
  font-size: 0.9rem;
  color: var(--text);
  display: block;
  margin-bottom: 0.15rem;
}
.cookie-pref-row p {
  font-size: 0.78rem;
  color: var(--text-light);
  margin: 0;
  line-height: 1.4;
}
.cookie-toggle.always-on {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--cyan);
  flex-shrink: 0;
}

/* Toggle switch */
.cookie-switch {
  position: relative;
  display: inline-block;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
}
.cookie-switch input {
  opacity: 0;
  width: 0;
  height: 0;
}
.cookie-slider {
  position: absolute;
  inset: 0;
  background: var(--border);
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.3s;
}
.cookie-slider::before {
  content: '';
  position: absolute;
  height: 18px;
  width: 18px;
  left: 3px;
  bottom: 3px;
  background: var(--white);
  border-radius: 50%;
  transition: all 0.3s;
}
.cookie-switch input:checked + .cookie-slider {
  background: var(--cyan);
}
.cookie-switch input:checked + .cookie-slider::before {
  transform: translateX(20px);
}
.cookie-prefs-footer {
  display: flex;
  justify-content: flex-end;
  gap: 0.5rem;
  padding: 1rem 1.5rem;
  border-top: 1px solid var(--border);
}

/* Floating cookie icon */
.cookie-float {
  position: fixed;
  bottom: 1.25rem;
  left: 1.25rem;
  z-index: 100;
  width: 44px;
  height: 44px;
  border-radius: 999px;
  background: var(--navy);
  color: var(--white);
  border: none;
  font-size: 1.1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(31, 58, 95, 0.25);
  transition: all 0.25s ease;
}
.cookie-float:hover {
  background: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(31, 58, 95, 0.3);
}