/* =====================================================================================
   4% RULE CALCULATOR PAGE
   ===================================================================================== */

   :root {
    --primary-blue: #0052cc;
    --primary-blue-dark: #003e9c;
    --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
    --bg-light: #f8fafc;
    --bg-soft: #f1f5f9;
    --white: #ffffff;
    --text-main: #1e293b;
    --text-muted: #64748b;
    --text-soft: #94a3b8;
    --border-color: #e2e8f0;
    --border-strong: #cbd5e1;
    --success-bg: #ecfdf5;
    --success-border: #bbf7d0;
    --success-text: #166534;
    --warning-bg: #fff7ed;
    --warning-border: #fed7aa;
    --warning-text: #9a3412;
    --neutral-bg: #eff6ff;
    --neutral-border: #bfdbfe;
    --neutral-text: #1d4ed8;
    --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(15, 23, 42, 0.10);
    --shadow-lg: 0 20px 40px rgba(2, 32, 71, 0.08);
    --radius: 12px;
    --radius-lg: 18px;
    --radius-xl: 24px;
    --transition: all 0.3s ease;
}

/* =====================================================================================
   BASE
   ===================================================================================== */

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: 'Inter', sans-serif;
    color: var(--text-main);
    background: var(--white);
    line-height: 1.65;
}

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

a {
    color: var(--primary-blue);
    text-decoration: none;
}

a:hover {
    text-decoration: underline;
}

main,
section,
article,
nav,
div {
    min-width: 0;
}

/* =====================================================================================
   LAYOUT
   ===================================================================================== */

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding-left: 16px;
    padding-right: 16px;
}

.section-padding {
    padding: 72px 0;
}

.section-spacing {
    margin-top: 32px;
}

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

/* =====================================================================================
   HERO
   ===================================================================================== */

.hero {
    background: var(--hero-gradient);
    color: var(--white);
    padding: 44px 0 72px;
}

.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.82);
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.92);
}

.breadcrumb .current {
    color: #ffffff;
    font-weight: 600;
}

.hero-content {
    max-width: 860px;
}

.hero-content h1 {
    margin: 0 0 18px;
    font-size: clamp(2.2rem, 4vw, 3.5rem);
    line-height: 1.1;
    font-weight: 800;
    letter-spacing: -0.03em;
}

.hero-lead,
.hero-summary {
    margin: 0;
    max-width: 820px;
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.92);
}

.hero-summary {
    margin-top: 14px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 28px;
}

/* =====================================================================================
   BUTTONS
   ===================================================================================== */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    min-height: 48px;
    padding: 12px 20px;
    border-radius: 12px;
    border: 1px solid transparent;
    font-weight: 600;
    font-size: 0.98rem;
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
    white-space: nowrap;
}

.btn:hover {
    text-decoration: none;
    transform: translateY(-1px);
}

.btn-primary {
    background: var(--primary-blue);
    color: var(--white);
    box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
    background: var(--primary-blue-dark);
}

.btn-secondary {
    background: var(--white);
    color: var(--primary-blue);
    border-color: var(--border-color);
}

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

/* =====================================================================================
   CARDS / GENERAL CONTENT
   ===================================================================================== */

.section-card,
.final-cta-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: 28px;
}

.section-card h2,
.final-cta-card h2 {
    margin: 0 0 14px;
    font-size: clamp(1.45rem, 2vw, 2rem);
    line-height: 1.25;
    letter-spacing: -0.02em;
}

.section-card h3,
.final-cta-card h3 {
    margin: 0 0 10px;
    font-size: 1.05rem;
    line-height: 1.35;
}

.section-card p,
.final-cta-card p {
    margin: 0 0 14px;
    color: var(--text-main);
}

.section-card p:last-child,
.final-cta-card p:last-child {
    margin-bottom: 0;
}

.intro-strip .section-card {
    margin-top: -36px;
    position: relative;
    z-index: 2;
    box-shadow: var(--shadow-lg);
}

.section-intro {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 24px;
}

.card-icon {
    width: 54px;
    height: 54px;
    border-radius: 16px;
    background: var(--neutral-bg);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
}

.section-subtext {
    color: var(--text-muted);
    margin: 6px 0 0;
}

/* =====================================================================================
   MAIN CALCULATOR LAYOUT
   ===================================================================================== */

.calculator-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(0, 0.92fr);
    gap: 24px;
    align-items: start;
}

.calculator-card {
    width: 100%;
    min-width: 0;
}

.results-card {
    position: sticky;
    top: 110px;
}

/* =====================================================================================
   MODE SWITCH
   ===================================================================================== */

   .mode-switch {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    padding: 6px;
    background: #e5e7eb;
    border: 1px solid #d1d5db;
    border-radius: 14px;
}

.mode-btn {
    width: 100%;
    min-height: 44px;
    padding: 10px 12px;
    border: 0;
    border-radius: 10px;
    background: transparent;
    font: inherit;
    font-weight: 600;
    text-align: center;
    cursor: pointer;
}

.mode-btn.active,
.mode-btn[aria-selected="true"] {
    background: #ffffff;
    color: #0052cc;
    box-shadow: 0 2px 4px rgba(0,0,0,0.06);
}

/* =====================================================================================
   FORM
   ===================================================================================== */

.form-grid {
    display: grid;
    gap: 18px;
}

.form-grid.two-col {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.form-group {
    min-width: 0;
}

.form-group-full {
    grid-column: 1 / -1;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-size: 0.96rem;
    font-weight: 600;
    color: var(--text-main);
}

.form-group input,
.form-group select {
    width: 100%;
    min-width: 0;
    height: 52px;
    padding: 0 14px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: var(--white);
    color: var(--text-main);
    font: inherit;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 4px rgba(0, 82, 204, 0.10);
}

.hidden-field {
    display: none;
}

.toggle-box {
    margin-top: 18px;
}

.check-row {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    color: var(--text-main);
    font-weight: 500;
}

.check-row input {
    width: 18px;
    height: 18px;
    accent-color: var(--primary-blue);
}

.info-callout {
    margin-top: 18px;
    padding: 16px 18px;
    border-radius: 14px;
    border: 1px solid;
}

.info-callout p {
    margin: 0;
    font-size: 0.96rem;
}

.info-callout.neutral {
    background: var(--neutral-bg);
    border-color: var(--neutral-border);
    color: var(--neutral-text);
}

.info-callout.success {
    background: var(--success-bg);
    border-color: var(--success-border);
    color: var(--success-text);
}

.form-message {
    margin-top: 16px;
    min-height: 22px;
    font-size: 0.94rem;
    font-weight: 500;
    color: #b91c1c;
}

.button-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 22px;
}

/* =====================================================================================
   RESULTS
   ===================================================================================== */

.results-placeholder {
    min-height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: flex-start;
    text-align: left;
}

.placeholder-icon {
    width: 64px;
    height: 64px;
    border-radius: 18px;
    background: var(--bg-soft);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.45rem;
    margin-bottom: 18px;
}

.results-placeholder h2 {
    margin-bottom: 10px;
}

.results-placeholder p {
    color: var(--text-muted);
}

.results-content.hidden {
    display: none;
}

.results-header {
    display: flex;
    justify-content: space-between;
    gap: 18px;
    margin-bottom: 22px;
}

.results-main {
    min-width: 0;
}

.mini-label {
    display: inline-block;
    margin-bottom: 8px;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    text-transform: uppercase;
}

.dark-label {
    color: var(--text-muted);
}

.results-main h2 {
    margin: 0 0 10px;
    font-size: clamp(2rem, 3vw, 2.8rem);
    line-height: 1.05;
    color: var(--primary-blue);
}

.results-main p {
    color: var(--text-muted);
    margin: 0;
}

.results-badge {
    flex-shrink: 0;
    min-width: 120px;
    padding: 14px 16px;
    border-radius: 14px;
    background: var(--bg-soft);
    border: 1px solid var(--border-color);
    text-align: center;
}

.results-badge span {
    display: block;
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-bottom: 6px;
}

.results-badge strong {
    font-size: 1.2rem;
    color: var(--primary-blue);
}

.results-grid {
    display: grid;
    gap: 14px;
    margin-bottom: 20px;
}

.results-grid.desktop-one-col {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.result-tile {
    background: var(--bg-light);
    border: 1px solid var(--border-color);
    border-radius: 14px;
    padding: 16px;
}

.result-tile span {
    display: block;
    margin-bottom: 8px;
    font-size: 0.92rem;
    color: var(--text-muted);
}

.result-tile strong {
    display: block;
    font-size: 1.18rem;
    line-height: 1.3;
    color: var(--text-main);
    word-break: break-word;
}

.interpretation-grid {
    display: grid;
    gap: 14px;
    margin-bottom: 18px;
}

.interpretation-grid.desktop-one-col {
    grid-template-columns: 1fr;
}

.interpret-card {
    background: var(--bg-light);
    border: 1px solid var(--border-color);
    border-radius: 14px;
    padding: 18px;
}

.interpret-card h3 {
    margin-bottom: 8px;
}

.interpret-card p {
    margin: 0;
    color: var(--text-muted);
}

.results-actions {
    margin-top: 16px;
}

.result-scroll-btn {
    width: 100%;
}

main .result-scroll-btn.btn-secondary {
    background: var(--bg-light);
    color: var(--text-main);
    border-color: var(--border-color);
}

main .result-scroll-btn.btn-secondary:hover {
    background: #eef4ff;
}

/* =====================================================================================
   INCOME STRIP
   ===================================================================================== */

.income-strip {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
    margin-top: 20px;
}

.income-box {
    background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
    text-align: center;
}

.income-box span {
    display: block;
    margin-bottom: 8px;
    font-size: 0.92rem;
    color: var(--text-muted);
}

.income-box strong {
    display: block;
    font-size: 1.2rem;
    color: var(--primary-blue);
    line-height: 1.25;
    word-break: break-word;
}

/* =====================================================================================
   FORMULA / MINI CARDS / GRIDS
   ===================================================================================== */

.formula-box {
    margin-top: 18px;
    padding: 18px;
    border-radius: 16px;
    background: var(--bg-soft);
    border: 1px solid var(--border-color);
}

.formula-box p {
    margin: 0 0 8px;
    font-weight: 700;
}

.formula-box p:last-child {
    margin-bottom: 0;
}

.mini-cards {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
    margin-top: 20px;
}

.mini-cards.four {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.mini-card {
    background: var(--bg-light);
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
}

.section-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

/* =====================================================================================
   TABLES
   ===================================================================================== */

.table-wrap {
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    margin-top: 20px;
    border: 1px solid var(--border-color);
    border-radius: 16px;
    background: var(--white);
}

.info-table {
    width: 100%;
    min-width: 720px;
    border-collapse: collapse;
}

.info-table th,
.info-table td {
    padding: 14px 16px;
    text-align: left;
    vertical-align: top;
    border-bottom: 1px solid var(--border-color);
}

.info-table th {
    background: #f8fbff;
    color: var(--text-main);
    font-size: 0.94rem;
    font-weight: 700;
    white-space: nowrap;
}

.info-table td {
    color: var(--text-main);
    font-size: 0.95rem;
}

.info-table tbody tr:last-child td {
    border-bottom: 0;
}

/* =====================================================================================
   COMPARISON
   ===================================================================================== */

.comparison-grid {
    display: grid;
    gap: 16px;
    margin-top: 20px;
}

.comparison-grid.three {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.comparison-card {
    border: 1px solid var(--border-color);
    border-radius: 18px;
    background: var(--white);
    padding: 22px;
    box-shadow: var(--shadow-sm);
}

.comparison-card.featured {
    border-color: rgba(0, 82, 204, 0.28);
    box-shadow: 0 16px 32px rgba(0, 82, 204, 0.10);
    background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.comparison-amount {
    margin: 0 0 4px;
    font-size: 1.45rem;
    font-weight: 800;
    color: var(--primary-blue);
}

.comparison-sub {
    margin: 0 0 12px;
    color: var(--text-muted);
}

/* =====================================================================================
   LISTS / WARNINGS
   ===================================================================================== */

.feature-list {
    margin: 16px 0 0;
    padding-left: 20px;
}

.feature-list li {
    margin-bottom: 10px;
    color: var(--text-main);
}

.warning-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin-top: 20px;
}

.warning-item {
    padding: 18px;
    border-radius: 16px;
    background: var(--warning-bg);
    border: 1px solid var(--warning-border);
}

.warning-item h3 {
    color: var(--warning-text);
}

/* =====================================================================================
   FAQ
   ===================================================================================== */

.faq-list {
    margin-top: 16px;
}

.faq-item {
    border: 1px solid var(--border-color);
    border-radius: 14px;
    background: var(--white);
    overflow: hidden;
}

.faq-item + .faq-item {
    margin-top: 12px;
}

.faq-question {
    width: 100%;
    border: 0;
    background: transparent;
    padding: 18px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    text-align: left;
    font: inherit;
    font-weight: 700;
    color: var(--text-main);
    cursor: pointer;
}

.faq-question i {
    color: var(--text-muted);
    transition: var(--transition);
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    display: none;
    padding: 0 20px 18px;
}

.faq-item.active .faq-answer {
    display: block;
}

.faq-answer p {
    color: var(--text-muted);
    margin: 0;
}

/* =====================================================================================
   RELATED GRID
   ===================================================================================== */

.related-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
    margin-top: 20px;
}

.related-card {
    display: block;
    padding: 22px;
    border-radius: 18px;
    border: 1px solid var(--border-color);
    background: var(--white);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    color: inherit;
}

.related-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    text-decoration: none;
}

.related-card h3 {
    color: var(--text-main);
}

.related-card p {
    color: var(--text-muted);
    margin-bottom: 14px;
}

.related-card span {
    font-weight: 700;
    color: var(--primary-blue);
}

/* =====================================================================================
   FINAL CTA
   ===================================================================================== */

.final-cta-card {
    background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
    border: 1px solid rgba(0, 82, 204, 0.14);
    box-shadow: var(--shadow-lg);
}

/* =====================================================================================
   RESPONSIVE
   ===================================================================================== */

@media (max-width: 1100px) {
    .calculator-layout {
        grid-template-columns: 1fr;
    }

    .results-card {
        position: static;
        top: auto;
    }

    .results-grid.desktop-one-col {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .comparison-grid.three,
    .related-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .mini-cards.four {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .income-strip {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 768px) {
    .section-padding {
        padding: 56px 0;
    }

    .hero {
        padding: 36px 0 56px;
    }

    .hero-content h1 {
        font-size: 2.05rem;
    }

    .hero-actions,
    .button-row {
        flex-direction: column;
        align-items: stretch;
    }

    .mode-switch {
        grid-template-columns: 1fr 1fr !important;
    }

    .btn {
        width: 100%;
    }

    .section-card,
    .final-cta-card {
        padding: 22px 18px;
        border-radius: 16px;
    }

    .intro-strip .section-card {
        margin-top: -24px;
    }

    .section-intro {
        flex-direction: column;
    }

    .form-grid.two-col,
    .section-grid,
    .comparison-grid.three,
    .related-grid,
    .warning-list,
    .mini-cards,
    .mini-cards.four,
    .income-strip,
    .results-grid.desktop-one-col {
        grid-template-columns: 1fr;
    }

    .results-header {
        flex-direction: column;
        align-items: flex-start;
    }

    .results-badge {
        min-width: 0;
        width: 100%;
        text-align: left;
    }

    .comparison-card,
    .result-tile,
    .mini-card,
    .warning-item,
    .related-card,
    .income-box {
        padding: 18px 16px;
    }

    .info-table {
        min-width: 640px;
    }

}

@media (max-width: 480px) {
    .container {
        padding-left: 14px;
        padding-right: 14px;
    }

    .hero-content h1 {
        font-size: 1.85rem;
    }

    .hero-lead,
    .hero-summary {
        font-size: 0.98rem;
    }

    .mode-btn {
        font-size: 0.92rem;
        padding: 10px 8px;
    }

    .section-card h2,
    .final-cta-card h2 {
        font-size: 1.35rem;
    }

    .results-main h2 {
        font-size: 1.9rem;
    }

    .result-tile strong,
    .income-box strong,
    .comparison-amount {
        font-size: 1.08rem;
    }

    .faq-question {
        padding: 16px;
    }

    .faq-answer {
        padding: 0 16px 16px;
    }

    .info-table {
        min-width: 580px;
    }
}