/* =============================================
   FINZOOP — style.css
   Complete site-wide stylesheet
   ============================================= */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Poppins:wght@600;700;800&display=swap');

/* ── CSS Variables ── */
:root {
  --primary:       #1B4FD8;
  --secondary:     #00C896;
  --accent:        #FF6B35;
  --dark:          #0F172A;
  --light-bg:      #F8FAFF;
  --card-bg:       #FFFFFF;
  --text-primary:  #1E293B;
  --text-secondary:#64748B;
  --border:        #E2E8F0;
  --shadow-card:   0 4px 24px rgba(27,79,216,0.08);
  --shadow-hover:  0 8px 40px rgba(27,79,216,0.16);
  --radius-card:   16px;
  --radius-btn:    8px;
  --radius-input:  8px;
  --header-h:      72px;
  --transition:    0.2s ease;
  --font-body:     'Inter', sans-serif;
  --font-heading:  'Poppins', sans-serif;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--text-primary);
  background: var(--light-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; text-decoration: none; }

ul, ol { list-style: none; }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  line-height: 1.25;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 700; }
h3 { font-size: clamp(1.125rem, 2vw, 1.5rem); font-weight: 700; }
h4 { font-size: 1.125rem; font-weight: 600; }

p { color: var(--text-secondary); line-height: 1.75; }

.section-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--secondary);
  margin-bottom: 8px;
}

.section-title { margin-bottom: 12px; }
.section-subtitle { font-size: 1.0625rem; max-width: 600px; }
.section-header { text-align: center; margin-bottom: 48px; }
.section-header .section-subtitle { margin: 0 auto; }

/* ── Layout ── */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }

/* ── Grid ── */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

/* =============================================
   HEADER
   ============================================= */
#site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  height: var(--header-h);
  background: #fff;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  transition: box-shadow 0.3s ease, backdrop-filter 0.3s ease;
}

#site-header.scrolled {
  box-shadow: 0 4px 24px rgba(27,79,216,0.12);
  backdrop-filter: blur(8px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Logo */
.logo {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.logo span { color: var(--secondary); }

/* Main Nav */
.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--text-secondary);
  padding: 8px 12px;
  border-radius: 6px;
  transition: color var(--transition), background var(--transition);
  cursor: pointer;
  white-space: nowrap;
}

.nav-link:hover,
.nav-link.active {
  color: var(--primary);
  background: rgba(27,79,216,0.06);
}

.nav-link [data-lucide] { width: 14px; height: 14px; }

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  box-shadow: 0 8px 40px rgba(27,79,216,0.14);
  min-width: 280px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
  pointer-events: none;
}

.dropdown-menu.wide { min-width: 520px; }

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown.open .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: all;
}

.dropdown-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 12px;
  border-radius: 10px;
  transition: background var(--transition);
  cursor: pointer;
}

.dropdown-item:hover { background: var(--light-bg); }

.dropdown-item-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, rgba(27,79,216,0.1), rgba(0,200,150,0.1));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--primary);
}

.dropdown-item-icon [data-lucide] { width: 18px; height: 18px; }

.dropdown-item-text strong {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.dropdown-item-text span {
  font-size: 0.75rem;
  color: var(--text-secondary);
}

.dropdown-menu.wide .dropdown-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2px;
}

.dropdown-plain-list { padding: 4px 0; }

.dropdown-plain-item {
  display: block;
  padding: 9px 16px;
  font-size: 0.875rem;
  color: var(--text-secondary);
  border-radius: 8px;
  transition: background var(--transition), color var(--transition);
}

.dropdown-plain-item:hover {
  background: var(--light-bg);
  color: var(--primary);
}

/* Header CTA */
.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  border-radius: 6px;
  transition: background var(--transition);
}

.hamburger:hover { background: var(--light-bg); }

.hamburger-bar {
  width: 22px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: all 0.3s ease;
}

/* Mobile Nav Overlay */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--dark);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 24px;
  overflow-y: auto;
}

.nav-overlay.open { display: flex; }

.nav-overlay .nav-link {
  font-size: 1.25rem;
  color: rgba(255,255,255,0.9);
  padding: 14px 32px;
  border-radius: 10px;
  width: 100%;
  max-width: 320px;
  justify-content: center;
}

.nav-overlay .nav-link:hover,
.nav-overlay .nav-link.active {
  background: rgba(255,255,255,0.12);
  color: #fff;
}

.nav-overlay-close {
  position: absolute;
  top: 20px;
  right: 20px;
  background: rgba(255,255,255,0.1);
  border: none;
  color: #fff;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background var(--transition);
}

.nav-overlay-close:hover { background: rgba(255,255,255,0.2); }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  padding: 12px 24px;
  border-radius: var(--radius-btn);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn [data-lucide] { width: 16px; height: 16px; }

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

.btn-primary:hover {
  background: #e85c28;
  border-color: #e85c28;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(255,107,53,0.36);
}

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

.btn-secondary:hover {
  background: #1540b0;
  border-color: #1540b0;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(27,79,216,0.36);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: #fff;
}

.btn-outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}

.btn-outline-white:hover {
  background: rgba(255,255,255,0.15);
  border-color: #fff;
}

.btn-sm { font-size: 0.8125rem; padding: 8px 16px; }

.btn-lg { font-size: 1.0625rem; padding: 16px 32px; }

/* =============================================
   HERO SECTION
   ============================================= */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, #0e3fa8 40%, var(--secondary) 100%);
  padding: 120px 0 80px;
  color: #fff;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-inner {
  position: relative;
  z-index: 1;
}

.hero h1 {
  color: #fff;
  margin-bottom: 20px;
  max-width: 760px;
}

.hero p {
  color: rgba(255,255,255,0.88);
  font-size: 1.125rem;
  max-width: 600px;
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

/* Trust Bar */
.trust-bar {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 14px;
  padding: 20px 28px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #fff;
}

.trust-item [data-lucide] {
  width: 20px;
  height: 20px;
  color: var(--secondary);
  flex-shrink: 0;
}

.trust-item-text strong {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  font-family: var(--font-heading);
}

.trust-item-text span {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.75);
}

/* Page Hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, #0e3fa8 100%);
  padding: 80px 0 64px;
  color: #fff;
}

.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.85); font-size: 1.0625rem; max-width: 560px; }

/* =============================================
   CARDS
   ============================================= */
.card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.card:hover {
  transform: scale(1.02);
  box-shadow: var(--shadow-hover);
}

.card-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, rgba(27,79,216,0.1), rgba(0,200,150,0.1));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--primary);
}

.card-icon [data-lucide] { width: 24px; height: 24px; }

.card h3 { margin-bottom: 8px; }
.card p { font-size: 0.9375rem; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary);
  transition: gap var(--transition);
}

.card-link:hover { gap: 10px; }
.card-link [data-lucide] { width: 14px; height: 14px; }

/* Step Cards */
.step-card {
  text-align: center;
  padding: 32px 24px;
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  font-size: 0.875rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.step-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, rgba(27,79,216,0.12), rgba(0,200,150,0.12));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--primary);
}

.step-icon [data-lucide] { width: 32px; height: 32px; }

/* Testimonial Cards */
.testimonial-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 28px;
}

.stars {
  display: flex;
  gap: 2px;
  margin-bottom: 14px;
  color: #FBBF24;
}

.stars [data-lucide] { width: 16px; height: 16px; fill: currentColor; }

.testimonial-text {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: #fff;
  font-size: 0.875rem;
  flex-shrink: 0;
}

.author-info strong { display: block; font-size: 0.9375rem; }
.author-info span { font-size: 0.8125rem; color: var(--text-secondary); }

/* =============================================
   TABS
   ============================================= */
.tabs-nav {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: 100px;
  border: 1.5px solid var(--border);
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition);
}

.tab-btn:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.tab-btn.active {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* Filter Pills */
.filter-bar {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.filter-pill {
  padding: 8px 18px;
  border-radius: 100px;
  border: 1.5px solid var(--border);
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition);
}

.filter-pill:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.filter-pill.active {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
}

/* =============================================
   CALCULATOR LAYOUTS
   ============================================= */
.calc-layout {
  display: grid;
  grid-template-columns: 40% 60%;
  gap: 32px;
  align-items: start;
}

.calc-inputs {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 28px;
}

.calc-inputs h2, .calc-inputs h3 {
  margin-bottom: 24px;
  font-size: 1.375rem;
}

.calc-results {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* Input Group */
.input-group {
  margin-bottom: 24px;
}

.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.input-group label span {
  font-weight: 400;
  font-size: 0.8125rem;
  color: var(--text-secondary);
}

.input-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.input-prefix {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-secondary);
  flex-shrink: 0;
}

.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-input);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  color: var(--text-primary);
  background: var(--card-bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(27,79,216,0.12);
}

.form-input-sm {
  width: 100px;
  text-align: right;
  font-weight: 600;
}

/* Range Slider */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--border);
  border-radius: 100px;
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(27,79,216,0.3);
  cursor: pointer;
  transition: transform var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }

input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(27,79,216,0.3);
  cursor: pointer;
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-secondary);
  margin-top: 4px;
}

/* Result Card */
.result-card {
  background: linear-gradient(135deg, var(--primary) 0%, #0e3fa8 100%);
  border-radius: var(--radius-card);
  padding: 28px;
  color: #fff;
}

.result-card-title {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 4px;
}

.result-main-value {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 24px;
}

.result-rows { display: flex; flex-direction: column; gap: 14px; }

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

.result-row:last-child { border-bottom: none; padding-bottom: 0; }

.result-row-label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.8);
}

.result-row-value {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 700;
  color: #fff;
}

.result-row-value.highlight { color: var(--secondary); }

.chart-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
}

.chart-card h4 {
  font-size: 1rem;
  margin-bottom: 16px;
}

.chart-container {
  position: relative;
  max-width: 280px;
  margin: 0 auto;
}

.chart-legend {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin-top: 16px;
  flex-wrap: wrap;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--text-secondary);
}

.legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* Regime Toggle */
.regime-toggle {
  display: flex;
  background: var(--light-bg);
  border: 1.5px solid var(--border);
  border-radius: 100px;
  padding: 4px;
  margin-bottom: 24px;
  width: fit-content;
}

.regime-btn {
  padding: 8px 20px;
  border-radius: 100px;
  border: none;
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition);
}

.regime-btn.active {
  background: var(--primary);
  color: #fff;
}

/* Tenure Toggle */
.tenure-toggle {
  display: flex;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  overflow: hidden;
  width: fit-content;
}

.tenure-btn {
  padding: 6px 14px;
  border: none;
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition);
}

.tenure-btn.active {
  background: var(--primary);
  color: #fff;
}

/* Amortisation Table */
.amort-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}

.data-table th {
  background: var(--light-bg);
  padding: 12px 16px;
  text-align: right;
  font-weight: 600;
  font-size: 0.8125rem;
  color: var(--text-secondary);
  border-bottom: 1.5px solid var(--border);
}

.data-table th:first-child { text-align: left; }

.data-table td {
  padding: 11px 16px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

.data-table td:first-child { text-align: left; color: var(--text-primary); }

.data-table tbody tr:hover { background: var(--light-bg); }

/* =============================================
   FORMS
   ============================================= */
.form-group { margin-bottom: 20px; }

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-textarea { resize: vertical; min-height: 120px; }

.form-feedback {
  display: none;
  padding: 12px 16px;
  border-radius: var(--radius-input);
  font-size: 0.875rem;
  font-weight: 500;
  margin-top: 12px;
}

.form-feedback.success {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,200,150,0.12);
  color: #00856a;
  border: 1px solid rgba(0,200,150,0.3);
}

.form-feedback.error {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(239,68,68,0.1);
  color: #dc2626;
  border: 1px solid rgba(239,68,68,0.25);
}

.form-feedback [data-lucide] { width: 16px; height: 16px; flex-shrink: 0; }

/* =============================================
   FAQ ACCORDION
   ============================================= */
.faq-list { display: flex; flex-direction: column; }

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:first-child { border-top: 1px solid var(--border); }

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  cursor: pointer;
  user-select: none;
  transition: color var(--transition);
}

.faq-question h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-primary);
  transition: color var(--transition);
  padding-right: 16px;
}

.faq-question:hover h4 { color: var(--primary); }

.faq-chevron {
  flex-shrink: 0;
  color: var(--text-secondary);
  transition: transform 0.3s ease;
}

.faq-chevron [data-lucide] { width: 18px; height: 18px; }

.faq-item.open .faq-chevron { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-answer-inner {
  padding-bottom: 20px;
}

.faq-answer-inner p { font-size: 0.9375rem; }

/* =============================================
   SKELETON LOADERS
   ============================================= */
@keyframes shimmer {
  0% { background-position: -200% center; }
  100% { background-position: 200% center; }
}

.skeleton {
  background: linear-gradient(90deg, #e8eef6 25%, #f4f8ff 50%, #e8eef6 75%);
  background-size: 200% auto;
  animation: shimmer 1.5s linear infinite;
  border-radius: 8px;
}

.skeleton-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
}

.skeleton-img { height: 200px; border-radius: 10px; margin-bottom: 16px; }
.skeleton-line { height: 14px; margin-bottom: 10px; }
.skeleton-line.short { width: 60%; }
.skeleton-line.xshort { width: 40%; }

/* =============================================
   BLOG CARDS
   ============================================= */
.blog-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}

.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }

.blog-card-img {
  position: relative;
  height: 210px;
  overflow: hidden;
  background: linear-gradient(135deg, var(--light-bg), var(--border));
}

.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }

.blog-category-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: var(--primary);
  color: #fff;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
}

.blog-card-body { padding: 20px 24px 24px; }

.blog-card-body h3 {
  font-size: 1.0625rem;
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card-body p { font-size: 0.875rem; margin-bottom: 16px; }

.blog-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.8125rem;
  color: var(--text-secondary);
}

.blog-meta span { display: flex; align-items: center; gap: 4px; }
.blog-meta [data-lucide] { width: 13px; height: 13px; }

/* =============================================
   FUND CARDS
   ============================================= */
.fund-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.fund-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-hover); }

.fund-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 16px;
}

.fund-name h4 { font-size: 1rem; margin-bottom: 4px; }
.fund-name span { font-size: 0.8125rem; color: var(--text-secondary); }

.risk-badge {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
}

.risk-low { background: rgba(0,200,150,0.12); color: #008060; }
.risk-moderate { background: rgba(251,191,36,0.15); color: #92400e; }
.risk-high { background: rgba(239,68,68,0.1); color: #dc2626; }

.fund-returns {
  display: flex;
  gap: 16px;
  margin-bottom: 16px;
}

.fund-return-item {
  text-align: center;
  flex: 1;
  padding: 10px 6px;
  background: var(--light-bg);
  border-radius: 8px;
}

.fund-return-item .return-val {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--secondary);
  font-family: var(--font-heading);
}

.fund-return-item .return-label {
  font-size: 0.6875rem;
  color: var(--text-secondary);
  margin-top: 2px;
}

.fund-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

.fund-min-sip { font-size: 0.8125rem; color: var(--text-secondary); }

/* =============================================
   CREDIT CARD CARDS
   ============================================= */
.cc-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.cc-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-hover); }

.cc-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 14px;
}

.cc-bank { font-size: 0.8125rem; font-weight: 600; color: var(--text-secondary); }
.cc-card h4 { font-size: 1rem; margin-bottom: 4px; }

.cc-badge {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
  background: rgba(27,79,216,0.1);
  color: var(--primary);
}

.cc-benefits { margin-bottom: 16px; }

.cc-benefit {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

.cc-benefit [data-lucide] { width: 14px; height: 14px; color: var(--secondary); margin-top: 2px; flex-shrink: 0; }

.cc-footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  font-size: 0.8125rem;
}

.cc-fee { color: var(--text-secondary); }

/* =============================================
   INSURANCE TABS
   ============================================= */
.insurance-plan-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  margin-bottom: 16px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.insurance-plan-card:hover { transform: translateY(-2px); }

.plan-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.plan-price {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.plan-price span { font-size: 0.875rem; font-weight: 400; color: var(--text-secondary); }

.csr-badge {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--secondary);
  display: flex;
  align-items: center;
  gap: 4px;
}

.csr-badge [data-lucide] { width: 14px; height: 14px; }

/* =============================================
   BREADCRUMB
   ============================================= */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.breadcrumb a { color: var(--text-secondary); transition: color var(--transition); }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb-sep [data-lucide] { width: 12px; height: 12px; }

/* =============================================
   CTA BANNER
   ============================================= */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, #0e3fa8 100%);
  padding: 80px 0;
  text-align: center;
  color: #fff;
}

.cta-banner h2 { color: #fff; margin-bottom: 12px; }
.cta-banner p { color: rgba(255,255,255,0.85); font-size: 1.0625rem; margin-bottom: 32px; }

/* =============================================
   INFO SECTIONS
   ============================================= */
.info-section { padding: 80px 0; }

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

.tag {
  padding: 6px 14px;
  background: rgba(27,79,216,0.08);
  color: var(--primary);
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 500;
}

.tag.green {
  background: rgba(0,200,150,0.1);
  color: #008060;
}

.highlight-box {
  background: linear-gradient(135deg, rgba(27,79,216,0.06), rgba(0,200,150,0.06));
  border: 1.5px solid rgba(27,79,216,0.15);
  border-radius: var(--radius-card);
  padding: 24px;
  margin: 24px 0;
}

.highlight-box h4 { margin-bottom: 8px; }
.highlight-box p { font-size: 0.9375rem; }

/* Tax deduction cards */
.deduction-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  border-left: 4px solid var(--primary);
}

.deduction-amount {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 4px;
}

/* FD Table */
.fd-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
}

.fd-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}

.fd-table th {
  background: var(--primary);
  color: #fff;
  padding: 14px 16px;
  text-align: center;
  font-weight: 600;
  font-size: 0.8125rem;
}

.fd-table th:first-child { text-align: left; }

.fd-table td {
  padding: 12px 16px;
  text-align: center;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

.fd-table td:first-child { text-align: left; font-weight: 600; color: var(--text-primary); }

.fd-table tbody tr:hover { background: var(--light-bg); }

.fd-table tfoot td {
  font-size: 0.8125rem;
  color: var(--text-secondary);
  font-style: italic;
  padding-top: 14px;
  border-bottom: none;
}

/* =============================================
   CONTACT / INFO CARDS
   ============================================= */
.contact-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 28px 24px;
  text-align: center;
}

.contact-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, rgba(27,79,216,0.1), rgba(0,200,150,0.1));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  color: var(--primary);
}

.contact-icon [data-lucide] { width: 24px; height: 24px; }

.contact-card h4 { margin-bottom: 6px; }
.contact-card p { font-size: 0.9375rem; }
.contact-card a { color: var(--primary); font-weight: 500; }

/* =============================================
   LEGAL PAGES
   ============================================= */
.legal-content {
  max-width: 860px;
  margin: 0 auto;
  padding: 64px 24px;
}

.legal-content h2 {
  font-size: 1.375rem;
  margin: 36px 0 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.legal-content h3 {
  font-size: 1.125rem;
  margin: 24px 0 8px;
}

.legal-content p {
  font-size: 0.9375rem;
  margin-bottom: 14px;
  color: var(--text-secondary);
}

.legal-content ul {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 14px;
}

.legal-content ul li {
  font-size: 0.9375rem;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

/* Recommendation Banner */
.recommendation-banner {
  border-radius: var(--radius-card);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 16px;
  font-size: 0.9375rem;
  font-weight: 600;
}

.recommendation-banner.save-new {
  background: rgba(0,200,150,0.12);
  color: #008060;
  border: 1.5px solid rgba(0,200,150,0.3);
}

.recommendation-banner.save-old {
  background: rgba(27,79,216,0.1);
  color: var(--primary);
  border: 1.5px solid rgba(27,79,216,0.2);
}

.recommendation-banner [data-lucide] { width: 20px; height: 20px; flex-shrink: 0; }

/* Tax comparison */
.tax-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.tax-regime-card {
  border-radius: var(--radius-card);
  padding: 24px;
}

.tax-new-card {
  background: linear-gradient(135deg, rgba(0,200,150,0.08), rgba(0,200,150,0.02));
  border: 1.5px solid rgba(0,200,150,0.25);
}

.tax-old-card {
  background: linear-gradient(135deg, rgba(27,79,216,0.06), rgba(27,79,216,0.01));
  border: 1.5px solid rgba(27,79,216,0.2);
}

.tax-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.tax-new-card .tax-label { color: #008060; }
.tax-old-card .tax-label { color: var(--primary); }

.tax-value {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  margin-bottom: 4px;
}

.tax-new-card .tax-value { color: #008060; }
.tax-old-card .tax-value { color: var(--primary); }

.tax-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 0.875rem;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.tax-row:last-child { border-bottom: none; }

/* Article Styles (below calculators) */
.calc-article {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 40px;
  margin-top: 40px;
}

.calc-article h2 { margin-bottom: 16px; }
.calc-article h3 { margin: 28px 0 12px; }
.calc-article p { font-size: 0.9375rem; margin-bottom: 14px; }

.formula-box {
  background: var(--light-bg);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 20px 24px;
  font-family: 'Courier New', monospace;
  font-size: 0.9375rem;
  color: var(--text-primary);
  margin: 16px 0;
}

.formula-box p { font-family: inherit; font-size: inherit; color: inherit; }

.steps-list { counter-reset: steps; }

.steps-list li {
  counter-increment: steps;
  display: flex;
  gap: 14px;
  margin-bottom: 14px;
  align-items: flex-start;
}

.steps-list li::before {
  content: counter(steps);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8125rem;
  font-weight: 700;
  flex-shrink: 0;
}

.example-box {
  background: rgba(27,79,216,0.04);
  border-left: 4px solid var(--primary);
  border-radius: 0 10px 10px 0;
  padding: 18px 20px;
  margin: 16px 0;
}

.example-box h4 { font-size: 0.9375rem; margin-bottom: 8px; }
.example-box p { font-size: 0.875rem; }

/* Related calculators */
.related-calcs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 24px;
}

.related-calc-card {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  background: var(--light-bg);
  border-radius: 10px;
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.related-calc-card:hover {
  background: var(--card-bg);
  border-color: var(--primary);
  transform: translateY(-2px);
}

.related-calc-icon {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, rgba(27,79,216,0.12), rgba(0,200,150,0.12));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  flex-shrink: 0;
}

.related-calc-icon [data-lucide] { width: 18px; height: 18px; }
.related-calc-card span { font-size: 0.875rem; font-weight: 600; color: var(--text-primary); }

/* =============================================
   FOOTER
   ============================================= */
#site-footer {
  background: var(--dark);
  color: rgba(255,255,255,0.75);
}

.footer-main {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding: 64px 0 48px;
}

.footer-brand .logo { color: #fff; margin-bottom: 12px; display: block; }
.footer-brand .logo span { color: var(--secondary); }

.footer-tagline {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.65;
  margin-bottom: 20px;
}

.social-links { display: flex; gap: 8px; }

.social-btn {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: background var(--transition), color var(--transition);
  text-decoration: none;
}

.social-btn:hover { background: var(--primary); color: #fff; }
.social-btn [data-lucide] { width: 16px; height: 16px; }

.footer-col h4 {
  font-size: 0.9375rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 16px;
}

.footer-links { display: flex; flex-direction: column; gap: 8px; }

.footer-links a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
  text-decoration: none;
}

.footer-links a:hover { color: #fff; }

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
}

.footer-contact-item [data-lucide] {
  width: 15px;
  height: 15px;
  margin-top: 2px;
  flex-shrink: 0;
  color: var(--secondary);
}

.footer-contact-item a {
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}

.footer-contact-item a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

.footer-bottom-links a {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: color var(--transition);
}

.footer-bottom-links a:hover { color: rgba(255,255,255,0.85); }

.copyright {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.45);
}

.regulatory-disclaimer {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
}

.regulatory-disclaimer p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.7;
  text-align: center;
}

/* =============================================
   ABOUT PAGE
   ============================================= */
.team-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 28px 24px;
  text-align: center;
  transition: transform var(--transition);
}

.team-card:hover { transform: translateY(-4px); }

.team-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 800;
  color: #fff;
  margin: 0 auto 14px;
}

.team-card h4 { margin-bottom: 4px; }
.team-role { font-size: 0.8125rem; color: var(--primary); font-weight: 600; }
.team-bio { font-size: 0.875rem; margin-top: 8px; }

.license-card {
  background: var(--card-bg);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: 24px;
  border-left: 4px solid var(--secondary);
}

.license-card h4 { margin-bottom: 6px; color: var(--secondary); }
.license-card p { font-size: 0.9rem; }

.partner-logo {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
  min-height: 70px;
  transition: border-color var(--transition);
}

.partner-logo:hover { border-color: var(--primary); color: var(--primary); }

.stat-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--light-bg);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 14px 20px;
}

.stat-badge strong {
  font-family: var(--font-heading);
  font-size: 1.375rem;
  color: var(--primary);
}

.stat-badge span { font-size: 0.875rem; color: var(--text-secondary); }

/* =============================================
   UTILITY
   ============================================= */
.text-center { text-align: center; }
.text-right { text-align: right; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-40 { margin-top: 40px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-40 { margin-bottom: 40px; }
.gap-16 { gap: 16px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.hidden { display: none !important; }

.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 40px 0;
}

.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.badge-primary { background: rgba(27,79,216,0.1); color: var(--primary); }
.badge-green { background: rgba(0,200,150,0.12); color: #008060; }
.badge-orange { background: rgba(255,107,53,0.12); color: #cc4a1a; }

/* Checklist */
.check-list { display: flex; flex-direction: column; gap: 10px; }

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9375rem;
  color: var(--text-secondary);
}

.check-list li::before {
  content: '';
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: rgba(0,200,150,0.15);
  border: 2px solid var(--secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300C896' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E");
  background-size: 11px;
  background-repeat: no-repeat;
  background-position: center;
}

/* GST specific */
.gst-radio-group {
  display: flex;
  gap: 12px;
  margin-bottom: 16px;
}

.gst-radio-label {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-size: 0.9375rem;
}

/* =============================================
   RESPONSIVE — TABLET (≤1024px)
   ============================================= */
@media (max-width: 1024px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; }
  .calc-layout { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; gap: 40px; }
  .tax-compare-grid { grid-template-columns: 1fr; }
  .related-calcs { grid-template-columns: 1fr 1fr; }
}

/* =============================================
   RESPONSIVE — MOBILE (≤768px)
   ============================================= */
@media (max-width: 768px) {
  section { padding: 56px 0; }

  .main-nav,
  .header-cta .btn-secondary { display: none; }

  .hamburger { display: flex; }

  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }

  .hero { padding: 96px 0 64px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  .trust-bar { gap: 20px; }

  .footer-main { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }

  .form-row { grid-template-columns: 1fr; }

  .tabs-nav { gap: 6px; }
  .tab-btn { font-size: 0.875rem; padding: 8px 16px; }

  .calc-article { padding: 24px; }

  .related-calcs { grid-template-columns: 1fr; }

  h1 { font-size: 2rem; }
  h2 { font-size: 1.5rem; }

  .result-main-value { font-size: 2rem; }

  .tax-compare-grid { grid-template-columns: 1fr; }
}

/* =============================================
   RESPONSIVE — SMALL MOBILE (≤480px)
   ============================================= */
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .trust-bar { flex-direction: column; gap: 14px; }
  .hero-actions .btn { font-size: 0.875rem; }
  .fund-returns { gap: 8px; }
  .cc-footer { flex-direction: column; gap: 8px; align-items: flex-start; }
}

/* =============================================
   RESPONSIVE — VERY SMALL (320px)
   ============================================= */
@media (max-width: 360px) {
  h1 { font-size: 1.625rem; }
  .btn { padding: 10px 18px; font-size: 0.875rem; }
  .btn-lg { padding: 12px 22px; font-size: 1rem; }
}