/* ─────────────────────────────────────────────────────────────────────────────
   DEBTZEN BRAND DESIGN SYSTEM & GLOBAL STYLESHEET
   ───────────────────────────────────────────────────────────────────────────── */

:root {
  /* ── Brand Colors ── */
  --bg-base:        #061221;  /* deepest navy */
  --bg-surface:     #091a2e;  /* dark navy surface */
  --bg-elevated:    #0d2240;  /* slightly lighter navy */
  --bg-card:        #0f2847;  /* card navy */
  --border:         rgba(201, 168, 76, 0.12);
  --border-glow:    rgba(201, 168, 76, 0.4);

  --gold:           #C9A84C;  /* brand gold */
  --gold-light:     #e8c96a;  /* lighter gold */
  --gold-dim:       rgba(201, 168, 76, 0.15);
  --gold-dim2:      rgba(201, 168, 76, 0.08);
  
  --navy:           #0A2540;  /* brand navy primary */
  --navy-mid:       #1B3A6B;  /* brand navy secondary */
  --navy-light:     #2a5298;  /* lighter navy accent */
  
  --emerald:        #2ECC71;  /* brand green (success) */
  --emerald-dim:    rgba(46, 204, 113, 0.12);
  --rose:           #E74C3C;  /* brand red (alert) */
  --rose-dim:       rgba(231, 76, 60, 0.12);
  --amber:          #F39C12;  /* brand amber */

  /* ── Text Colors ── */
  --text-primary:   #f0ead8;  /* warm off-white */
  --text-secondary: #CBD5E1;  /* high-contrast slate */
  --text-muted:     #94A3B8;  /* dimmed text */
  --text-dark:      #0A2540;  /* navy text on gold/light highlights */

  /* ── Radius ── */
  --radius-sm:      8px;
  --radius-md:      14px;
  --radius-lg:      22px;
  --radius-xl:      32px;

  /* ── Fonts ── */
  --font-body:      'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --font-display:   'DM Serif Display', serif;

  /* ── Shadows & Glows ── */
  --shadow-card:    0 4px 32px rgba(0, 0, 0, 0.6);
  --shadow-glow:    0 0 60px rgba(201, 168, 76, 0.15);
}

/* ─────────────────────────────────────────────
   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);
  background: var(--bg-base);
  color: var(--text-primary);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--gold-light);
  text-decoration: none;
  transition: color 0.18s ease;
}

a:hover {
  color: #fff;
}

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

button, input, select, textarea {
  font-family: var(--font-body);
  outline: none;
}

button {
  cursor: pointer;
  border: none;
  background: transparent;
}

/* ─────────────────────────────────────────────
   SCROLLBAR
   ───────────────────────────────────────────── */
::-webkit-scrollbar {
  width: 6px;
  height: 6px;
}

::-webkit-scrollbar-track {
  background: var(--bg-base);
}

::-webkit-scrollbar-thumb {
  background: var(--bg-card);
  border-radius: 99px;
}

::-webkit-scrollbar-thumb:hover {
  background: rgba(201, 168, 76, 0.3);
}

/* ─────────────────────────────────────────────
   LAYOUT CONTAINERS
   ───────────────────────────────────────────── */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-wide {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.page-wrap {
  max-width: 1100px;
  margin: 0 auto;
  padding: 48px 24px 80px;
}

/* ─────────────────────────────────────────────
   TYPOGRAPHY HELPERS
   ───────────────────────────────────────────── */
.gradient-text {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 60%, #f0d080 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.page-header {
  text-align: center;
  margin-bottom: 48px;
}

.page-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  background: var(--gold-dim2);
  border: 1px solid rgba(201, 168, 76, 0.25);
  padding: 6px 14px;
  border-radius: 99px;
  margin-bottom: 18px;
}

.page-eyebrow .dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
}

.page-h1 {
  font-family: var(--font-display);
  font-size: clamp(32px, 5vw, 64px);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.page-h1 em {
  font-style: normal;
  color: var(--gold);
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.page-sub {
  font-size: 17px;
  color: var(--text-secondary);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.6;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  background: var(--gold-dim2);
  border: 1px solid rgba(201, 168, 76, 0.25);
  padding: 6px 14px;
  border-radius: 99px;
  margin-bottom: 20px;
}

/* ─────────────────────────────────────────────
   NAVBAR & FOOTER
   ───────────────────────────────────────────── */
nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 0;
  background: rgba(6, 18, 33, 0.94);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  gap: 12px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 20px;
  font-weight: 800;
  color: var(--text-primary);
  flex-shrink: 0;
}

.nav-logo .logo-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  overflow: hidden;
  flex-shrink: 0;
  box-shadow: 0 0 18px rgba(201, 168, 76, 0.2);
}

.nav-logo .logo-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.nav-logo span.accent {
  color: var(--gold);
}

.nav-back {
  font-size: 14px;
  color: var(--text-secondary);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-back:hover {
  color: #fff;
}

.btn-nav-cta {
  display: inline-flex;
  align-items: center;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--text-dark);
  font-weight: 700;
  font-size: 13px;
  padding: 8px 18px;
  border-radius: var(--radius-sm);
  transition: all 0.2s ease;
  box-shadow: 0 4px 16px rgba(201, 168, 76, 0.25);
  white-space: nowrap;
}

.btn-nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201, 168, 76, 0.45);
}

/* BREADCRUMB */
.breadcrumb {
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  font-size: 13px;
  color: var(--text-muted);
}

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

.breadcrumb a:hover {
  color: var(--gold-light);
  text-decoration: underline;
}

/* FOOTER */
footer {
  background: var(--bg-surface);
  border-top: 1px solid var(--border);
  padding: 48px 24px;
  color: var(--text-muted);
  font-size: 13px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
  text-align: center;
}

.footer-logo {
  font-size: 22px;
  font-weight: 800;
  color: var(--gold);
}

.footer-links {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}

.footer-links a {
  color: var(--text-muted);
  font-size: 13px;
  padding: 4px 12px;
  border-radius: var(--radius-sm);
  transition: color 0.18s, background 0.18s;
}

.footer-links a:hover {
  color: var(--gold-light);
  background: rgba(255, 255, 255, 0.02);
}

.footer-legal {
  font-size: 12px;
  line-height: 1.7;
  max-width: 760px;
  color: var(--text-muted);
}

.footer-made {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.15);
}

/* ─────────────────────────────────────────────
   BUTTONS
   ───────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  font-size: 15px;
  font-weight: 600;
  transition: all 0.22s ease;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--text-dark);
  font-weight: 800;
  box-shadow: 0 4px 20px rgba(201, 168, 76, 0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201, 168, 76, 0.55);
}

.btn-ghost {
  background: rgba(255, 255, 255, 0.02);
  color: var(--text-primary);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.35);
  transform: translateY(-2px);
}

.btn-calc {
  width: 100%;
  padding: 15px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  border: 1px solid rgba(201, 168, 76, 0.3);
  color: #fff;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: 0.02em;
  transition: all 0.25s;
  box-shadow: 0 4px 20px rgba(27, 58, 107, 0.4);
}

.btn-calc:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(27, 58, 107, 0.6), 0 0 0 1px rgba(201, 168, 76, 0.4);
}

.btn-add {
  width: 100%;
  padding: 12px;
  border-radius: var(--radius-md);
  border: 1.5px dashed rgba(201,168,76,0.3);
  background: transparent;
  color: var(--gold);
  font-size: 13px;
  font-weight: 700;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-bottom: 20px;
}

.btn-add:hover {
  background: var(--gold-dim2);
  border-color: rgba(201,168,76,0.5);
  color: var(--gold-light);
}

/* ── Floating Action Button (FAB) ── */
.fab {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--text-dark);
  border-radius: var(--radius-md);
  padding: 12px 20px;
  font-size: 13px;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 8px 24px rgba(201, 168, 76, 0.4);
  transition: all 0.22s ease;
}

.fab:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 32px rgba(201, 168, 76, 0.6);
  color: var(--text-dark);
}

/* ─────────────────────────────────────────────
   CARDS & COMMON WIDGETS
   ───────────────────────────────────────────── */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
}

.card-title {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.card-title span {
  font-size: 16px;
}

.empty-state {
  text-align: center;
  padding: 48px 24px;
  color: var(--text-muted);
  border: 2px dashed rgba(201, 168, 76, 0.15);
  border-radius: var(--radius-md);
  background: rgba(201, 168, 76, 0.02);
}

.empty-state-icon {
  font-size: 48px;
  margin-bottom: 16px;
  opacity: 0.5;
}

.empty-state-text {
  font-size: 15px;
}

/* SECTION DIVIDER */
.section-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 24px 0 12px;
}

.section-divider span {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  white-space: nowrap;
}

.section-divider::before, .section-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ─────────────────────────────────────────────
   TABLES
   ───────────────────────────────────────────── */
.math-table, .foir-table, .breakdown-table, .wr-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 14px;
}

.math-table th, .foir-table th, .breakdown-table th, .wr-table th {
  background: var(--bg-surface);
  color: var(--text-secondary);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 10px 14px;
  text-align: left;
  border-bottom: 2px solid var(--border);
}

.math-table td, .foir-table td, .breakdown-table td, .wr-table td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
  font-variant-numeric: tabular-nums; /* PERFECT ALIGNMENT */
}

.math-table tr:nth-child(even) td, .foir-table tr:nth-child(even) td, .breakdown-table tr:nth-child(even) td {
  background: rgba(255, 255, 255, 0.01);
}

.math-table .bad, .foir-table .danger, .breakdown-table .tag-avalanche {
  color: var(--rose);
  font-weight: 700;
}

.math-table .good, .foir-table .safe, .breakdown-table .tag-snowball {
  color: var(--emerald);
  font-weight: 700;
}

.foir-table .warning {
  color: var(--amber);
  font-weight: 700;
}

/* ─────────────────────────────────────────────
   FORM FIELDS
   ───────────────────────────────────────────── */
.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.field label {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.field input, .field select {
  background: var(--bg-surface);
  border: 1px solid rgba(201, 168, 76, 0.15);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-primary);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  width: 100%;
}

.field input:focus, .field select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.12);
  background: var(--bg-base);
}

.field input::placeholder {
  color: var(--text-muted);
  font-weight: 400;
  opacity: 0.6;
}

.field select option {
  background: var(--bg-surface);
}

.rupee-prefix {
  position: relative;
  display: block;
  width: 100%;
}

.rupee-prefix input {
  padding-left: 28px !important;
}

.rupee-prefix::before {
  content: '₹';
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 600;
  pointer-events: none;
}

/* ─────────────────────────────────────────────
   ARTICLE MODULES (DARK THEME SPECIFIC)
   ───────────────────────────────────────────── */
.article {
  padding: 48px 0;
}

.article h2 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--text-primary);
  margin: 40px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold);
}

.article h3 {
  font-family: var(--font-body);
  font-size: 19px;
  font-weight: 700;
  color: var(--text-primary);
  margin: 28px 0 10px;
}

.article p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 18px;
}

.article ul, .article ol {
  margin: 0 0 18px 24px;
}

.article li {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 8px;
}

.article strong {
  color: #fff;
  font-weight: 700;
}

/* ── Special alert & highlight containers ── */
.alert-box {
  background: var(--rose-dim);
  border-left: 4px solid var(--rose);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 18px;
  margin: 24px 0;
}

.alert-box p {
  margin: 0;
  font-size: 14px;
  color: #f7dcd9;
}

.alert-box strong {
  color: #fff;
}

.highlight-box {
  background: var(--gold-dim);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 14px 18px;
  margin: 20px 0;
  font-size: 14px;
  color: #fceec5;
}

.highlight-box strong {
  color: var(--gold-light);
}

.step-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px;
  margin: 20px 0;
  transition: transform 0.2s;
}

.step-card:hover {
  transform: translateY(-2px);
  border-color: rgba(201, 168, 76, 0.25);
}

.step-card .step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--gold);
  color: var(--navy);
  font-size: 16px;
  font-weight: 800;
  border-radius: 50%;
  margin-bottom: 12px;
}

.step-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
  margin-top: 0;
}

.step-card p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 0;
  line-height: 1.7;
}

.related-links {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 32px 0;
}

.related-links h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 14px;
}

.related-links a {
  display: block;
  font-size: 14px;
  color: var(--gold-light);
  margin-bottom: 8px;
  font-weight: 600;
}

.related-links a:hover {
  text-decoration: underline;
  color: #fff;
}

.share-strip {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 18px;
  margin: 28px 0 0;
  flex-wrap: wrap;
}

.share-strip span {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 600;
}

.btn-whatsapp {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #25D366;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
}

.btn-whatsapp:hover {
  opacity: 0.9;
  color: #fff;
}

/* ── FAQ Section ── */
.faq-section {
  margin: 40px 0;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 12px;
}

.faq-item h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
  margin-top: 0;
}

.faq-item p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.75;
  margin: 0;
}

/* ─────────────────────────────────────────────
   CONVERSION MODULE & APP CTAs
   ───────────────────────────────────────────── */
.app-cta-strip {
  background: linear-gradient(135deg, var(--bg-card), var(--bg-surface));
  border: 1px solid rgba(201, 168, 76, 0.25);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  color: var(--text-primary);
  margin: 40px 0;
  position: relative;
  overflow: hidden;
}

.app-cta-strip::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(201,168,76,0.06), transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.app-cta-strip h3 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 800;
  color: var(--gold-light);
  margin-bottom: 8px;
  margin-top: 0;
}

.app-cta-strip p {
  font-size: 15px;
  color: var(--text-secondary);
  max-width: 460px;
  margin: 0 auto 24px;
  line-height: 1.6;
}

.app-cta-strip .micro-trust {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 14px;
}

/* ─────────────────────────────────────────────
   CALCULATOR COMPONENT UTILITIES (DARK)
   ───────────────────────────────────────────── */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}

.loan-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 20px;
}

.loan-item {
  background: var(--bg-elevated);
  border: 1px solid rgba(201,168,76,0.1);
  border-radius: var(--radius-md);
  padding: 16px;
  position: relative;
}

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

.loan-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-primary);
}

.loan-remove {
  background: var(--rose-dim);
  border: 1px solid rgba(231,76,60,0.2);
  color: var(--rose);
  border-radius: var(--radius-sm);
  padding: 3px 10px;
  font-size: 11px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
}

.loan-remove:hover {
  background: rgba(231,76,60,0.2);
}

.loan-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.loan-fields-3 {
  grid-template-columns: 1fr 1fr 1fr;
}

.income-section {
  background: var(--bg-elevated);
  border: 1px solid rgba(201,168,76,0.1);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-bottom: 20px;
}

.income-section .field label {
  color: var(--gold-light);
}

.strategy-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 20px;
}

.strategy-btn {
  padding: 12px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  background: var(--bg-elevated);
  color: var(--text-secondary);
  font-size: 13px;
  font-weight: 600;
  transition: all 0.2s;
  cursor: pointer;
  text-align: center;
}

.strategy-btn.active {
  border-color: var(--gold);
  background: var(--gold-dim);
  color: var(--gold-light);
}

.strategy-btn .s-icon {
  display: block;
  font-size: 20px;
  margin-bottom: 4px;
}

.strategy-btn .s-name {
  display: block;
  font-weight: 700;
}

.strategy-btn .s-desc {
  display: block;
  font-size: 10px;
  color: var(--text-muted);
  margin-top: 2px;
  line-height: 1.3;
}

.strategy-btn.active .s-desc {
  color: var(--gold);
}

.extra-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 24px;
}

/* RESULTS PANEL */
.results-panel {
  display: none;
  flex-direction: column;
  gap: 20px;
}

.results-panel.show {
  display: flex;
}

.result-hero, .result-highlight {
  background: linear-gradient(135deg, rgba(27,58,107,0.6), rgba(201,168,76,0.08));
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.result-hero::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(201,168,76,0.08), transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.result-hero-label, .result-highlight .label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.result-hero-date, .result-highlight .big-date, .result-highlight .big-num {
  font-family: var(--font-display);
  font-size: clamp(32px, 5vw, 52px);
  color: var(--gold);
  line-height: 1.1;
  margin-bottom: 8px;
}

.result-hero-months, .result-highlight .sub {
  font-size: 15px;
  color: var(--text-secondary);
}

.result-hero-months strong {
  color: var(--text-primary);
}

.result-stats, .result-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.result-stat, .result-card {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px;
  text-align: center;
}

.result-stat-label, .result-card .rc-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.result-stat-value, .result-card .rc-value {
  font-size: 18px;
  font-weight: 800;
  color: var(--text-primary);
  font-variant-numeric: tabular-nums;
}

.result-stat-value.danger, .result-card .rc-value.red {
  color: var(--rose);
}

.result-stat-value.good, .result-card .rc-value.green {
  color: var(--emerald);
}

.result-stat-value.warn, .result-card .rc-value.gold {
  color: var(--gold-light);
}

.result-stat-sub {
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 3px;
}

/* STRATEGY COMPARISON */
.strategy-compare {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.compare-header {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  padding: 12px 16px;
  background: rgba(201,168,76,0.06);
  border-bottom: 1px solid var(--border);
}

.compare-header span {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.compare-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  padding: 14px 16px;
  border-bottom: 1px solid rgba(201,168,76,0.06);
  align-items: center;
}

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

.compare-row-label {
  font-size: 13px;
  color: var(--text-secondary);
}

.compare-val {
  font-size: 14px;
  font-weight: 700;
}

.compare-val.highlight {
  color: var(--gold-light);
}

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

.insight-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px;
  border-radius: var(--radius-md);
  border: 1px solid;
}

.insight-item.good {
  background: var(--emerald-dim);
  border-color: rgba(46,204,113,0.2);
}

.insight-item.warn {
  background: rgba(243,156,18,0.08);
  border-color: rgba(243,156,18,0.2);
}

.insight-item.danger {
  background: var(--rose-dim);
  border-color: rgba(231,76,60,0.2);
}

.insight-item.info {
  background: var(--gold-dim2);
  border-color: rgba(201,168,76,0.2);
}

.insight-icon {
  font-size: 18px;
  flex-shrink: 0;
  margin-top: 1px;
}

.insight-text {
  font-size: 13px;
  line-height: 1.6;
}

.insight-text strong {
  display: block;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 2px;
}

.insight-item.good .insight-text strong { color: var(--emerald); }
.insight-item.warn .insight-text strong { color: var(--amber); }
.insight-item.danger .insight-text strong { color: var(--rose); }
.insight-item.info .insight-text strong { color: var(--gold-light); }
.insight-text p { color: var(--text-secondary); }

/* SCENARIO SIMULATOR */
.scenario-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.scenario-card {
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px;
}

.scenario-card-label {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.scenario-slider-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}

.scenario-slider {
  flex: 1;
  -webkit-appearance: none;
  height: 4px;
  border-radius: 99px;
  background: rgba(201,168,76,0.2);
  outline: none;
  cursor: pointer;
}

.scenario-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--navy);
  cursor: pointer;
}

.scenario-val {
  font-size: 13px;
  font-weight: 700;
  color: var(--gold-light);
  min-width: 70px;
  text-align: right;
}

.scenario-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.scenario-result-label {
  font-size: 12px;
  color: var(--text-muted);
}

.scenario-result-value {
  font-size: 15px;
  font-weight: 800;
}

.scenario-delta {
  font-size: 11px;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 99px;
  margin-left: 6px;
}

.scenario-delta.positive {
  background: var(--emerald-dim);
  color: var(--emerald);
}

.scenario-delta.negative {
  background: var(--rose-dim);
  color: var(--rose);
}

/* CONVERSION BLOCK */
.conversion-block {
  background: linear-gradient(135deg, rgba(27,58,107,0.7) 0%, rgba(10,37,64,0.9) 100%);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius-lg);
  padding: 24px;
  position: relative;
  overflow: hidden;
}

.conversion-block::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 280px;
  height: 280px;
  background: radial-gradient(circle, rgba(201,168,76,0.07), transparent 70%);
  border-radius: 50%;
}

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

.conversion-title {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.conversion-sub {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.conversion-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 22px;
}

.conv-feat {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-secondary);
}

.conv-feat-icon {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  background: rgba(46,204,113,0.15);
  border: 1px solid rgba(46,204,113,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  flex-shrink: 0;
  color: var(--emerald);
  font-weight: bold;
}

.conversion-ctas {
  display: flex;
  gap: 12px;
  align-items: center;
  flex-wrap: wrap;
}

.btn-app {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--text-dark);
  font-size: 15px;
  font-weight: 800;
  border: none;
  cursor: pointer;
  transition: all 0.22s;
  box-shadow: 0 4px 20px rgba(201,168,76,0.35);
}

.btn-app:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,168,76,0.55);
}

.btn-continue {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 14px 22px;
  border-radius: var(--radius-md);
  background: transparent;
  color: var(--text-secondary);
  font-size: 14px;
  font-weight: 600;
  border: 1px solid rgba(201,168,76,0.2);
  cursor: pointer;
  transition: all 0.2s;
}

.btn-continue:hover {
  background: var(--gold-dim2);
  color: var(--text-primary);
  border-color: rgba(201,168,76,0.4);
}

.conversion-note {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 14px;
}

/* TIMELINE AND PROGRESS */
.timeline-bar, .progress-bar-outer {
  height: 8px;
  background: rgba(255,255,255,0.06);
  border-radius: 99px;
  overflow: hidden;
  margin: 8px 0 4px;
}

.timeline-fill, .progress-bar-inner {
  height: 100%;
  border-radius: 99px;
  background: linear-gradient(90deg, var(--navy-mid), var(--gold));
  transition: width 1.2s cubic-bezier(.2,.8,.4,1);
}

.timeline-labels {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  color: var(--text-muted);
}

/* ALLOCATION TIER WIDGET */
.where-to-keep {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 20px 0;
}

.where-to-keep h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 14px;
}

.allocation-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
}

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

.allocation-row .bucket {
  font-weight: 600;
  color: var(--text-primary);
}

.allocation-row .amount {
  color: var(--gold-light);
  font-weight: 700;
}

.allocation-row .where {
  color: var(--text-muted);
  font-size: 12px;
}

/* TOOLTIP & TIP SYSTEM */
.tooltip-wrap, .tip {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.tooltip-icon, .tip-icon {
  width: 15px;
  height: 15px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 1px solid rgba(201, 168, 76, 0.3);
  color: var(--gold);
  font-size: 9px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: help;
  margin-left: 5px;
}

.tooltip-text, .tip-text {
  display: none;
  position: absolute;
  bottom: 130%;
  left: 50%;
  transform: translateX(-50%);
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 8px 12px;
  font-size: 12px;
  color: var(--text-secondary);
  z-index: 10;
  box-shadow: 0 8px 20px rgba(0,0,0,0.5);
  max-width: 240px;
  width: 200px;
  white-space: normal;
}

.tooltip-wrap:hover .tooltip-text, .tip:hover .tip-text {
  display: block;
}

/* ─────────────────────────────────────────────
   RESPONSIVE SCALING
   ───────────────────────────────────────────── */
@media (max-width: 768px) {
  .calc-layout {
    grid-template-columns: 1fr;
  }
  .result-stats, .result-grid {
    grid-template-columns: 1fr 1fr;
  }
  .scenario-grid {
    grid-template-columns: 1fr;
  }
  .fields-grid {
    grid-template-columns: 1fr;
  }
  .lifestyle-tabs {
    grid-template-columns: 1fr 1fr 1fr;
  }
  .conversion-features {
    grid-template-columns: 1fr;
  }
  .loan-fields-3 {
    grid-template-columns: 1fr 1fr;
  }
  .compare-header span:last-child, .compare-val:last-child {
    display: none;
  }
  .compare-header, .compare-row {
    grid-template-columns: 1.5fr 1fr;
  }
  .nav-inner {
    padding: 0 16px;
  }
  .footer-inner {
    padding: 0 16px;
  }
  .faq-item {
    padding: 16px;
  }
}

@media (max-width: 480px) {
  .page-wrap {
    padding: 28px 16px 60px;
  }
  .result-stats, .result-grid {
    grid-template-columns: 1fr;
  }
  .strategy-row {
    grid-template-columns: 1fr;
  }
  .extra-row {
    grid-template-columns: 1fr;
  }
  .loan-fields {
    grid-template-columns: 1fr;
  }
  .loan-fields-3 {
    grid-template-columns: 1fr;
  }
  .nav-back {
    display: none;
  }
  .fab {
    padding: 10px 14px;
    font-size: 12px;
    bottom: 16px;
    right: 16px;
  }
}

/* ─────────────────────────────────────────────
   GOOGLE ADSENSE & COOKIE CONSENT BANNER
   ───────────────────────────────────────────── */

/* Cookie Banner container */
.cookie-banner {
  position: fixed;
  bottom: -200px; /* Hidden state, slides up via JS */
  left: 24px;
  right: 24px;
  max-width: 600px;
  background: rgba(9, 26, 46, 0.98); /* Surface color with slight transparency */
  backdrop-filter: blur(12px);
  border: 1px solid var(--gold);
  border-radius: var(--radius-md);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.8), 0 0 30px rgba(201, 168, 76, 0.08);
  padding: 24px;
  z-index: 10000;
  transition: bottom 0.45s cubic-bezier(0.2, 0.8, 0.2, 1);
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .cookie-banner {
    left: auto;
    right: 32px;
    bottom: -300px;
  }
}

.cookie-banner.active {
  bottom: 24px;
}

.cookie-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--gold-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.cookie-text {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.65;
}

.cookie-text a {
  color: var(--gold-light);
  text-decoration: underline;
}

.cookie-buttons {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
}

.cookie-btn {
  padding: 10px 18px;
  font-size: 13px;
  font-weight: 700;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
  cursor: pointer;
  border: none;
  font-family: var(--font-body);
}

.cookie-accept {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--text-dark);
  box-shadow: 0 4px 12px rgba(201, 168, 76, 0.2);
}

.cookie-accept:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(201, 168, 76, 0.35);
}

.cookie-reject {
  background: rgba(255, 255, 255, 0.04);
  color: var(--text-muted);
  border: 1px solid var(--border);
}

.cookie-reject:hover {
  background: rgba(255, 255, 255, 0.08);
  color: var(--text-primary);
}

/* Ad Placeholders (prevent CLS) */
.adsense-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  width: 100%;
  background: var(--bg-surface);
  border: 1px dashed var(--border);
  border-radius: var(--radius-md);
  margin: 28px auto;
  position: relative;
  overflow: hidden;
  box-sizing: border-box;
}

.adsense-placeholder::before {
  content: 'ADVERTISEMENT';
  position: absolute;
  top: 8px;
  right: 12px;
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  opacity: 0.4;
  pointer-events: none;
}

/* Size mappings for CLS prevention */
.adsense-top {
  min-height: 100px;
  max-width: 728px;
}

.adsense-body {
  min-height: 280px;
  max-width: 728px;
}

.adsense-bottom {
  min-height: 280px;
  max-width: 728px;
}

/* Learn Grid Specificity */
.learn-ad-placeholder {
  min-height: 380px;
  background: var(--bg-card);
  border: 1px dashed var(--border);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  box-sizing: border-box;
}

.learn-ad-placeholder::before {
  content: 'ADVERTISEMENT';
  position: absolute;
  top: 14px;
  right: 18px;
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  opacity: 0.4;
}