/* ============================================
   BudgetCalc — Educational Fresh Theme
   budgetcalculator.github.io
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* ---- CSS Variables ---- */
:root {
  --blue-50:  #EFF6FF;
  --blue-100: #DBEAFE;
  --blue-200: #BFDBFE;
  --blue-500: #3B82F6;
  --blue-600: #2563EB;
  --blue-700: #1D4ED8;
  --blue-900: #1E3A8A;

  --amber-400: #FBBF24;
  --amber-500: #F59E0B;
  --amber-50:  #FFFBEB;

  --green-500: #22C55E;
  --green-600: #16A34A;
  --green-50:  #F0FDF4;

  --red-500:   #EF4444;
  --red-50:    #FEF2F2;

  --teal-500:  #14B8A6;
  --teal-50:   #F0FDFA;

  --gray-50:   #F8FAFC;
  --gray-100:  #F1F5F9;
  --gray-200:  #E2E8F0;
  --gray-300:  #CBD5E1;
  --gray-400:  #94A3B8;
  --gray-500:  #64748B;
  --gray-600:  #475569;
  --gray-700:  #334155;
  --gray-800:  #1E293B;
  --gray-900:  #0F172A;

  --white: #FFFFFF;

  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:    'Plus Jakarta Sans', system-ui, sans-serif;

  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 22px;
  --radius-xl: 32px;

  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow:    0 4px 16px rgba(37,99,235,.10), 0 2px 6px rgba(0,0,0,.06);
  --shadow-lg: 0 12px 40px rgba(37,99,235,.15), 0 4px 12px rgba(0,0,0,.08);
  --shadow-xl: 0 24px 64px rgba(37,99,235,.18), 0 8px 24px rgba(0,0,0,.10);

  --footer-bg: #0F172A;

  --transition: 0.25s cubic-bezier(.4,0,.2,1);
}

/* ---- Reset ---- */
*, *::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(--gray-800);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ---- Utility ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }

/* ---- Header ---- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,.90);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid transparent;
  transition: var(--transition);
}
.site-header.scrolled {
  border-bottom-color: var(--gray-200);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  height: 68px; display: flex; align-items: center; gap: 24px;
}
.logo { display: flex; align-items: center; gap: 10px; }
.logo-icon { flex-shrink: 0; }
.logo-text { font-family: var(--font-body); font-weight: 800; font-size: 1.25rem; color: var(--gray-900); letter-spacing: -.5px; }
.logo-accent { color: var(--blue-600); }
.main-nav { margin-left: auto; }
.nav-list { display: flex; gap: 4px; }
.nav-link {
  display: block; padding: 8px 14px;
  font-size: .9rem; font-weight: 600; color: var(--gray-600);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover { color: var(--blue-600); background: var(--blue-50); }
.header-actions { display: flex; align-items: center; gap: 12px; margin-left: 8px; }
.btn-primary-sm {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 9px 20px;
  background: var(--blue-600); color: var(--white);
  font-size: .875rem; font-weight: 700; border-radius: var(--radius-sm);
  transition: var(--transition);
  box-shadow: 0 2px 8px rgba(37,99,235,.3);
}
.btn-primary-sm:hover { background: var(--blue-700); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(37,99,235,.4); }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; }
.hamburger span { display: block; width: 22px; height: 2.5px; background: var(--gray-700); border-radius: 2px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
.mobile-menu { display: none; background: var(--white); border-top: 1px solid var(--gray-100); padding: 12px 0; }
.mobile-menu.open { display: block; }
.mobile-nav-list { padding: 0 24px; display: flex; flex-direction: column; gap: 2px; }
.mobile-nav-link { display: block; padding: 12px 16px; font-weight: 600; color: var(--gray-700); border-radius: var(--radius-sm); }
.mobile-nav-link:hover { background: var(--blue-50); color: var(--blue-600); }

/* ---- Buttons ---- */
.btn-primary {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 32px;
  background: var(--blue-600); color: var(--white);
  font-size: 1rem; font-weight: 700; border-radius: var(--radius);
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(37,99,235,.35);
}
.btn-primary:hover { background: var(--blue-700); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(37,99,235,.45); }
.btn-secondary {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 28px;
  background: var(--white); color: var(--blue-600);
  font-size: 1rem; font-weight: 700; border-radius: var(--radius);
  border: 2px solid var(--blue-200);
  transition: var(--transition);
}
.btn-secondary:hover { border-color: var(--blue-500); background: var(--blue-50); transform: translateY(-2px); }

/* ====================================================
   SECTION: HERO
   ==================================================== */
.hero {
  padding-top: 68px;
  background: linear-gradient(145deg, var(--blue-50) 0%, #EEF5FF 40%, var(--amber-50) 100%);
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 20% 30%, rgba(37,99,235,.08) 0%, transparent 50%),
                    radial-gradient(circle at 80% 70%, rgba(245,158,11,.08) 0%, transparent 50%);
}
.hero-inner {
  max-width: 1200px; margin: 0 auto; padding: 80px 24px 60px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 16px; border-radius: 100px;
  background: var(--blue-100); color: var(--blue-700);
  font-size: .8rem; font-weight: 700; letter-spacing: .5px; text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-badge svg { width: 14px; height: 14px; }
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5vw, 3.75rem);
  line-height: 1.1;
  color: var(--gray-900);
  margin-bottom: 20px;
}
.hero-title .accent { color: var(--blue-600); font-style: italic; }
.hero-desc {
  font-size: 1.125rem; color: var(--gray-600); line-height: 1.7;
  margin-bottom: 36px; max-width: 500px;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: flex; align-items: center; gap: 12px; }
.trust-dots { display: flex; gap: -4px; }
.trust-dot {
  width: 32px; height: 32px; border-radius: 50%; border: 2px solid white;
  background: linear-gradient(135deg, var(--blue-400, #60A5FA), var(--blue-600));
  margin-left: -8px; display: flex; align-items: center; justify-content: center;
  color: white; font-size: .65rem; font-weight: 700;
}
.trust-dot:first-child { margin-left: 0; }
.trust-text { font-size: .85rem; color: var(--gray-500); }
.trust-text strong { color: var(--gray-800); }

/* Hero Visual */
.hero-visual { position: relative; display: flex; justify-content: center; }
.hero-card-stack { position: relative; width: 100%; max-width: 420px; }
.hero-main-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-100);
}
.card-header-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.card-title-sm { font-weight: 700; font-size: 1rem; color: var(--gray-800); }
.card-badge { padding: 4px 12px; background: var(--green-50); color: var(--green-600); border-radius: 100px; font-size: .75rem; font-weight: 700; }
.budget-summary { margin-bottom: 20px; }
.budget-big { font-family: var(--font-display); font-size: 2.5rem; color: var(--gray-900); line-height: 1; }
.budget-label { font-size: .8rem; color: var(--gray-400); margin-top: 4px; }
.budget-bar-wrap { margin: 16px 0; }
.budget-bar-bg { height: 10px; background: var(--gray-100); border-radius: 100px; overflow: hidden; }
.budget-bar-fill {
  height: 100%; border-radius: 100px;
  background: linear-gradient(90deg, var(--blue-500), var(--blue-600));
  animation: barGrow 1.5s ease-out forwards;
}
@keyframes barGrow { from { width: 0; } to { width: var(--w, 68%); } }
.budget-breakdown { display: flex; flex-direction: column; gap: 10px; }
.breakdown-item { display: flex; align-items: center; gap: 10px; }
.breakdown-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.breakdown-name { font-size: .85rem; color: var(--gray-600); flex: 1; }
.breakdown-amount { font-size: .85rem; font-weight: 700; color: var(--gray-800); }
.breakdown-pct { font-size: .75rem; color: var(--gray-400); width: 36px; text-align: right; }

.floating-chip {
  position: absolute;
  background: var(--white); border-radius: var(--radius);
  padding: 10px 14px; box-shadow: var(--shadow);
  display: flex; align-items: center; gap: 8px;
  font-size: .8rem; font-weight: 600;
  animation: floatY 3s ease-in-out infinite;
}
.floating-chip.chip1 { top: -20px; right: -24px; animation-delay: 0s; }
.floating-chip.chip2 { bottom: 30px; left: -32px; animation-delay: 1.5s; }
.chip-icon { width: 28px; height: 28px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
@keyframes floatY { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* ====================================================
   SECTION: STATS STRIP
   ==================================================== */
.stats-strip {
  background: var(--blue-600);
  padding: 32px 0;
}
.stats-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 24px; text-align: center;
}
.stat-item {}
.stat-num { font-family: var(--font-display); font-size: 2.4rem; color: var(--white); line-height: 1; }
.stat-label { font-size: .85rem; color: rgba(255,255,255,.75); margin-top: 6px; }

/* ====================================================
   SECTION: CALCULATOR
   ==================================================== */
.calculator-section { padding: 100px 0; background: var(--gray-50); }
.section-header { text-align: center; margin-bottom: 56px; }
.section-eyebrow {
  display: inline-block;
  font-size: .8rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--blue-600); margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--gray-900); line-height: 1.15; margin-bottom: 16px;
}
.section-desc { font-size: 1.1rem; color: var(--gray-500); max-width: 600px; margin: 0 auto; }

.calc-layout {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 380px; gap: 32px; align-items: start;
}
.calc-panel {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); overflow: hidden;
  border: 1px solid var(--gray-100);
}
.calc-tabs { display: flex; border-bottom: 2px solid var(--gray-100); }
.calc-tab {
  flex: 1; padding: 16px; text-align: center;
  font-size: .9rem; font-weight: 700; color: var(--gray-400);
  border-bottom: 3px solid transparent; margin-bottom: -2px;
  transition: var(--transition); cursor: pointer;
}
.calc-tab.active { color: var(--blue-600); border-bottom-color: var(--blue-600); }
.calc-tab:hover:not(.active) { color: var(--gray-600); background: var(--gray-50); }
.calc-body { padding: 32px; }

.form-section-title {
  font-size: .75rem; font-weight: 700; letter-spacing: 1px;
  text-transform: uppercase; color: var(--gray-400);
  margin: 24px 0 14px; padding-bottom: 8px;
  border-bottom: 1px solid var(--gray-100);
}
.form-section-title:first-child { margin-top: 0; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-label { font-size: .82rem; font-weight: 600; color: var(--gray-600); }
.input-wrap { position: relative; display: flex; align-items: center; }
.input-prefix, .input-suffix {
  position: absolute; font-size: .9rem; font-weight: 600; color: var(--gray-400);
  pointer-events: none;
}
.input-prefix { left: 12px; }
.input-suffix { right: 12px; }
.form-input {
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm);
  font-size: .95rem; font-family: var(--font-body); color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
}
.form-input:focus { outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 3px rgba(37,99,235,.1); }
.form-input.has-prefix { padding-left: 28px; }
.form-input.has-suffix { padding-right: 32px; }
.form-select {
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm);
  font-size: .95rem; font-family: var(--font-body); color: var(--gray-800);
  background: var(--white); appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394A3B8' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center;
  padding-right: 36px;
  transition: var(--transition);
}
.form-select:focus { outline: none; border-color: var(--blue-500); box-shadow: 0 0 0 3px rgba(37,99,235,.1); }

.expense-rows { display: flex; flex-direction: column; gap: 10px; margin-bottom: 12px; }
.expense-row { display: grid; grid-template-columns: 1fr 120px auto; gap: 8px; align-items: center; }
.btn-remove-expense {
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--red-50); color: var(--red-500);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 700; flex-shrink: 0;
  transition: var(--transition);
}
.btn-remove-expense:hover { background: var(--red-500); color: white; }
.btn-add-expense {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: var(--radius-sm);
  background: var(--blue-50); color: var(--blue-600);
  font-size: .85rem; font-weight: 700;
  transition: var(--transition);
}
.btn-add-expense:hover { background: var(--blue-100); }
.calc-footer-row { padding: 20px 32px; background: var(--gray-50); border-top: 1px solid var(--gray-100); display: flex; gap: 12px; }
.btn-calculate {
  flex: 1; padding: 14px; border-radius: var(--radius);
  background: linear-gradient(135deg, var(--blue-600), var(--blue-700));
  color: white; font-size: 1rem; font-weight: 700;
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(37,99,235,.3);
}
.btn-calculate:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(37,99,235,.4); }
.btn-reset {
  padding: 14px 20px; border-radius: var(--radius);
  background: var(--gray-100); color: var(--gray-600);
  font-size: .9rem; font-weight: 600;
  transition: var(--transition);
}
.btn-reset:hover { background: var(--gray-200); }

/* Results Panel */
.results-panel {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); overflow: hidden;
  border: 1px solid var(--gray-100);
  position: sticky; top: 90px;
}
.results-header {
  background: linear-gradient(135deg, var(--blue-600), var(--blue-700));
  padding: 24px;
}
.results-title { color: white; font-weight: 700; font-size: 1rem; margin-bottom: 16px; }
.results-big-num {
  font-family: var(--font-display);
  font-size: 2.6rem; color: white; line-height: 1;
}
.results-subtitle { font-size: .8rem; color: rgba(255,255,255,.7); margin-top: 6px; }
.results-status { margin-top: 14px; }
.status-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 100px;
  font-size: .8rem; font-weight: 700;
}
.status-badge.surplus { background: rgba(34,197,94,.2); color: #BBF7D0; }
.status-badge.deficit { background: rgba(239,68,68,.2); color: #FECACA; }
.status-badge.balanced { background: rgba(250,204,21,.2); color: #FEF08A; }
.results-body { padding: 20px; }
.result-section { margin-bottom: 20px; }
.result-section-label { font-size: .72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--gray-400); margin-bottom: 10px; }
.result-rows { display: flex; flex-direction: column; gap: 8px; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: 8px 12px; border-radius: var(--radius-sm); background: var(--gray-50); }
.result-row-name { font-size: .85rem; color: var(--gray-600); display: flex; align-items: center; gap: 8px; }
.result-row-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.result-row-val { font-size: .9rem; font-weight: 700; color: var(--gray-800); }
.result-divider { height: 1px; background: var(--gray-100); margin: 12px 0; }
.result-total-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 12px; border-radius: var(--radius-sm); background: var(--blue-50); }
.result-total-label { font-size: .9rem; font-weight: 700; color: var(--blue-700); }
.result-total-val { font-size: 1rem; font-weight: 800; color: var(--blue-700); }

/* Donut chart */
.donut-wrap { position: relative; width: 140px; height: 140px; margin: 0 auto 16px; }
#donutChart { transform: rotate(-90deg); }
.donut-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.donut-pct { font-family: var(--font-display); font-size: 1.6rem; color: var(--gray-800); line-height: 1; }
.donut-label { font-size: .7rem; color: var(--gray-400); margin-top: 2px; }

.legend-list { display: flex; flex-direction: column; gap: 6px; }
.legend-item { display: flex; align-items: center; gap: 8px; }
.legend-dot { width: 10px; height: 10px; border-radius: 3px; flex-shrink: 0; }
.legend-name { font-size: .8rem; color: var(--gray-600); flex: 1; }
.legend-val { font-size: .8rem; font-weight: 700; color: var(--gray-700); }

.savings-goal-row { display: flex; flex-direction: column; gap: 6px; margin-top: 8px; }
.savings-bar-bg { height: 8px; background: var(--gray-100); border-radius: 100px; overflow: hidden; }
.savings-bar-fill { height: 100%; border-radius: 100px; transition: width 0.6s ease; }
.savings-breakdown { display: flex; justify-content: space-between; font-size: .75rem; color: var(--gray-500); }

/* Empty state */
.results-empty {
  padding: 48px 24px; text-align: center;
}
.results-empty-icon { font-size: 3rem; margin-bottom: 16px; }
.results-empty-title { font-weight: 700; color: var(--gray-700); margin-bottom: 8px; }
.results-empty-desc { font-size: .875rem; color: var(--gray-400); }

.btn-export {
  width: 100%; padding: 12px; margin-top: 16px;
  border-radius: var(--radius-sm); background: var(--blue-50); color: var(--blue-600);
  font-size: .875rem; font-weight: 700; border: 1.5px solid var(--blue-200);
  transition: var(--transition);
}
.btn-export:hover { background: var(--blue-100); }

/* ====================================================
   SECTION: HOW IT WORKS
   ==================================================== */
.how-section { padding: 100px 0; background: var(--white); }
.steps-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px;
}
.step-card {
  background: var(--gray-50); border-radius: var(--radius-lg);
  padding: 36px 28px; position: relative; overflow: hidden;
  border: 1px solid var(--gray-100);
  transition: var(--transition);
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.step-num {
  font-family: var(--font-display); font-size: 5rem; color: var(--blue-100);
  line-height: 1; position: absolute; top: 12px; right: 20px;
}
.step-icon {
  width: 52px; height: 52px; border-radius: var(--radius);
  background: var(--blue-600); color: white;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 20px;
}
.step-title { font-size: 1.15rem; font-weight: 700; color: var(--gray-900); margin-bottom: 10px; }
.step-desc { font-size: .9rem; color: var(--gray-500); line-height: 1.65; }

/* ====================================================
   SECTION: FEATURES
   ==================================================== */
.features-section { padding: 100px 0; background: var(--blue-50); }
.features-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.feature-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 28px; border: 1px solid var(--blue-100);
  transition: var(--transition);
}
.feature-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.feature-icon {
  width: 44px; height: 44px; border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; margin-bottom: 16px;
}
.feature-title { font-size: 1rem; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
.feature-desc { font-size: .875rem; color: var(--gray-500); line-height: 1.65; }

/* ====================================================
   SECTION: BUDGETING TIPS
   ==================================================== */
.tips-section { padding: 100px 0; background: var(--white); }
.tips-layout {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start;
}
.tips-content {}
.tips-intro { font-size: 1.05rem; color: var(--gray-600); line-height: 1.7; margin-bottom: 36px; }
.tips-list { display: flex; flex-direction: column; gap: 20px; }
.tip-item { display: flex; gap: 16px; align-items: flex-start; }
.tip-icon {
  width: 40px; height: 40px; border-radius: var(--radius-sm); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
}
.tip-text-wrap {}
.tip-title { font-weight: 700; color: var(--gray-800); margin-bottom: 4px; }
.tip-desc { font-size: .875rem; color: var(--gray-500); line-height: 1.6; }
.tips-visual { display: flex; flex-direction: column; gap: 20px; }
.tip-box {
  background: var(--gray-50); border-radius: var(--radius-lg); padding: 28px;
  border: 1px solid var(--gray-100);
}
.tip-box-title { font-weight: 700; font-size: 1rem; color: var(--gray-800); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.rule-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.rule-item { text-align: center; padding: 16px 8px; border-radius: var(--radius-sm); }
.rule-pct { font-family: var(--font-display); font-size: 1.8rem; color: var(--white); }
.rule-label { font-size: .75rem; color: rgba(255,255,255,.85); margin-top: 4px; }

/* ====================================================
   SECTION: METHODS
   ==================================================== */
.methods-section { padding: 100px 0; background: var(--gray-50); }
.methods-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;
}
.method-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 32px;
  border: 1px solid var(--gray-100); border-left: 4px solid;
  transition: var(--transition);
}
.method-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.method-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 16px; }
.method-name { font-size: 1.15rem; font-weight: 700; color: var(--gray-900); }
.method-badge { padding: 4px 12px; border-radius: 100px; font-size: .75rem; font-weight: 700; }
.method-desc { font-size: .9rem; color: var(--gray-500); line-height: 1.7; margin-bottom: 16px; }
.method-pros { display: flex; flex-direction: column; gap: 6px; }
.method-pro { font-size: .85rem; color: var(--gray-600); display: flex; gap: 8px; align-items: flex-start; }
.method-pro::before { content: '✓'; color: var(--green-500); font-weight: 700; flex-shrink: 0; }

/* ====================================================
   SECTION: CONTENT / SEO
   ==================================================== */
.content-section { padding: 100px 0; background: var(--white); }
.content-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.content-body h2 { font-family: var(--font-display); font-size: 2rem; color: var(--gray-900); margin-bottom: 20px; }
.content-body p { font-size: .975rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 16px; }
.content-body ul { display: flex; flex-direction: column; gap: 8px; margin: 16px 0; }
.content-body li { font-size: .975rem; color: var(--gray-600); padding-left: 20px; position: relative; }
.content-body li::before { content: '→'; position: absolute; left: 0; color: var(--blue-500); font-weight: 700; }
.keyword-cards { display: flex; flex-direction: column; gap: 16px; }
.keyword-card {
  background: var(--gray-50); border-radius: var(--radius-lg);
  padding: 24px; border: 1px solid var(--gray-100);
}
.keyword-card h3 { font-weight: 700; color: var(--gray-800); margin-bottom: 8px; font-size: 1rem; }
.keyword-card p { font-size: .875rem; color: var(--gray-500); line-height: 1.65; }

/* ====================================================
   SECTION: FAQ
   ==================================================== */
.faq-section { padding: 100px 0; background: var(--blue-50); }
.faq-inner { max-width: 800px; margin: 0 auto; padding: 0 24px; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white); border-radius: var(--radius);
  border: 1px solid var(--blue-100); overflow: hidden;
  transition: var(--transition);
}
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; cursor: pointer;
  font-weight: 700; font-size: .975rem; color: var(--gray-800);
  gap: 16px;
}
.faq-q:hover { color: var(--blue-600); }
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--blue-50); color: var(--blue-600);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0; font-weight: 700;
  transition: var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--blue-600); color: white; }
.faq-a {
  display: none; padding: 0 24px 20px;
  font-size: .9rem; color: var(--gray-600); line-height: 1.7;
  border-top: 1px solid var(--blue-50);
  padding-top: 16px;
}
.faq-item.open .faq-a { display: block; }

/* ====================================================
   SECTION: CTA
   ==================================================== */
.cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--blue-700) 0%, var(--blue-900) 100%);
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 10% 50%, rgba(255,255,255,.06) 0%, transparent 50%),
                    radial-gradient(circle at 90% 50%, rgba(245,158,11,.1) 0%, transparent 50%);
}
.cta-inner { max-width: 700px; margin: 0 auto; padding: 0 24px; text-align: center; position: relative; }
.cta-eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--amber-400); margin-bottom: 16px; }
.cta-title {
  font-family: var(--font-display); font-size: clamp(2rem, 4.5vw, 3rem);
  color: white; line-height: 1.15; margin-bottom: 20px;
}
.cta-desc { font-size: 1.05rem; color: rgba(255,255,255,.75); margin-bottom: 36px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn-cta-white {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 15px 32px; background: white; color: var(--blue-700);
  font-weight: 800; font-size: 1rem; border-radius: var(--radius);
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0,0,0,.2);
}
.btn-cta-white:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,.3); }
.btn-cta-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; background: rgba(255,255,255,.12); color: white;
  font-weight: 700; font-size: 1rem; border-radius: var(--radius);
  border: 2px solid rgba(255,255,255,.25);
  transition: var(--transition);
}
.btn-cta-ghost:hover { background: rgba(255,255,255,.2); transform: translateY(-2px); }

/* ====================================================
   FOOTER
   ==================================================== */
.site-footer { background: var(--footer-bg); }
.footer-waves { line-height: 0; background: var(--gray-50); }
.footer-waves svg { display: block; width: 100%; }
.footer-body { padding: 56px 0 32px; }
.footer-grid {
  max-width: 1200px; margin: 0 auto; padding: 0 24px 40px;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; border-bottom: 1px solid rgba(255,255,255,.08);
  margin-bottom: 32px;
}
.footer-brand .logo-text { color: white; }
.footer-tagline { font-size: .875rem; color: rgba(255,255,255,.5); line-height: 1.7; margin-top: 12px; }
.footer-heading { font-size: .8rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: rgba(255,255,255,.4); margin-bottom: 16px; }
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: .875rem; color: rgba(255,255,255,.6); transition: var(--transition); }
.footer-links a:hover { color: white; }
.footer-bottom {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.footer-copy { font-size: .8rem; color: rgba(255,255,255,.3); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: .8rem; color: rgba(255,255,255,.4); transition: var(--transition); }
.footer-legal a:hover { color: rgba(255,255,255,.8); }

/* ====================================================
   ANIMATIONS
   ==================================================== */
.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.fade-in-delay-1 { transition-delay: .1s; }
.fade-in-delay-2 { transition-delay: .2s; }
.fade-in-delay-3 { transition-delay: .3s; }

/* ====================================================
   RESPONSIVE
   ==================================================== */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .hero-main-card { max-width: 400px; margin: 0 auto; }
  .calc-layout { grid-template-columns: 1fr; }
  .results-panel { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .content-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .btn-primary-sm { display: none; }
  .hero-inner { padding: 60px 24px 40px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .tips-layout { grid-template-columns: 1fr; }
  .methods-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .rule-grid { grid-template-columns: 1fr; gap: 8px; }
  .hero-ctas { flex-direction: column; }
}

@media (max-width: 480px) {
  .features-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .expense-row { grid-template-columns: 1fr auto auto; }
}

/* Print */
@media print {
  .site-header, .site-footer, .cta-section, .btn-calculate, .btn-reset { display: none !important; }
  .results-panel { box-shadow: none; position: static; }
}