/*-------------------------------------------------
                    ROOT
-------------------------------------------------*/
:root {
  --primary-blue: #0052cc;
  --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
  --bg-light: #f8fafc;
  --bg-soft: #f1f5f9;
  --white: #ffffff;
  --text-main: #0f172a;
  --text-muted: #64748b;
  --border-color: #e2e8f0;
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 12px 30px rgba(15, 23, 42, 0.08);
  --radius: 14px;
  --transition: all 0.3s ease;
}

/*-------------------------------------------------
                    RESET
-------------------------------------------------*/
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html,
body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-main);
  background: var(--white);
  line-height: 1.6;
}

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

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

ul {
  list-style: none;
}

section {
  scroll-margin-top: 90px;
}

/*-------------------------------------------------
                  GLOBAL
-------------------------------------------------*/
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

.section-padding {
  padding: 80px 0;
}

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

.section-intro {
  max-width: 780px;
  margin-bottom: 2rem;
}

.section-kicker {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--primary-blue);
  margin-bottom: 0.75rem;
}

.section-intro h2 {
  font-size: 2rem;
  line-height: 1.2;
  margin-bottom: 0.85rem;
  color: var(--text-main);
}

.section-intro p {
  color: var(--text-muted);
  font-size: 1rem;
}

/*-------------------------------------------------
                    HERO
-------------------------------------------------*/
.finance-hero {
  background: var(--hero-gradient);
  color: var(--white);
  padding: 2.8rem 0 3.8rem;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  margin-bottom: 1rem;
  opacity: 0.92;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 0.45rem 0.8rem;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  margin-bottom: 1rem;
}

.finance-hero h1 {
  font-size: 3rem;
  line-height: 1.15;
  max-width: 760px;
  margin-bottom: 1rem;
}

.finance-hero p {
  max-width: 760px;
  font-size: 1.05rem;
  opacity: 0.96;
}

.hero-highlights {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 1.6rem;
}

.hero-highlights span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0.55rem 0.9rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  font-size: 0.85rem;
  font-weight: 500;
}

.hero-highlights i {
  width: 15px;
  height: 15px;
}

/*-------------------------------------------------
               FEATURED TOOLS
-------------------------------------------------*/
.featured-tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.featured-tool-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.35rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.featured-tool-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #cbd5e1;
}

.featured-tool-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.featured-tool-card h3 {
  font-size: 1rem;
  margin-bottom: 0.6rem;
}

.featured-tool-card p {
  font-size: 0.92rem;
  color: var(--text-muted);
}

/*-------------------------------------------------
                 MAIN LAYOUT
-------------------------------------------------*/
.main-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 2rem;
  align-items: start;
}

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

/*-------------------------------------------------
            SIMPLE CATEGORY DIRECTORY
-------------------------------------------------*/
.simple-category-directory {
  display: grid;
  gap: 1.25rem;
}

.category-directory-block {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.45rem;
  box-shadow: var(--shadow-sm);
}

.category-directory-header {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 1rem;
  align-items: start;
  margin-bottom: 1rem;
}

.category-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
}

.category-directory-header h3 {
  font-size: 1.05rem;
  line-height: 1.35;
  margin-bottom: 0.45rem;
}

.category-directory-header p {
  font-size: 0.94rem;
  color: var(--text-muted);
}

.calculator-link-list {
  display: grid;
  gap: 0.6rem;
  margin: 0 0 1rem 0;
  padding-left: 1.15rem;
  list-style: disc;
}

.calculator-link-list li {
  color: var(--text-main);
}

.calculator-link-list a {
  color: var(--primary-blue);
  font-weight: 500;
}

.calculator-link-list a:hover {
  color: var(--primary-blue);
  text-decoration: underline;
}

.category-page-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border-color);
  border-radius: 10px;
  background: var(--bg-light);
  color: var(--primary-blue);
  font-weight: 600;
  font-size: 0.92rem;
}

.category-page-btn:hover {
  background: #eef4ff;
  border-color: rgba(0, 82, 204, 0.22);
}

/*-------------------------------------------------
                   SIDEBAR
-------------------------------------------------*/
.sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  position: sticky;
  top: 95px;
}

.sidebar-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-card-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.9rem;
}

.sidebar-card h3 {
  font-size: 1.05rem;
  margin-bottom: 0.6rem;
}

.sidebar-card p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.sidebar-link-list {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.sidebar-link-list li a {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-main);
  display: inline-flex;
  flex-wrap: wrap;
  gap: 6px;
  align-items: center;
}

.sidebar-link-list li a:hover {
  color: var(--primary-blue);
}

.mini-badge {
  display: inline-flex;
  align-items: center;
  font-size: 0.65rem;
  font-weight: 700;
  padding: 0.18rem 0.45rem;
  border-radius: 999px;
}

.mini-badge.hot {
  background: #fff1f2;
  color: #e11d48;
}

.mini-badge.popular {
  background: #eff6ff;
  color: #1d4ed8;
}

.tip-list {
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.tip-list li {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.9rem;
  padding-bottom: 0.65rem;
  border-bottom: 1px solid var(--border-color);
}

.tip-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.tip-list span {
  color: var(--text-muted);
}

.tip-list strong {
  color: var(--text-main);
  text-align: right;
}

/*-------------------------------------------------
                PROCESS SECTION
-------------------------------------------------*/
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.2rem;
}

.process-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow-sm);
}

.process-number {
  width: 34px;
  height: 34px;
  border-radius: 999px;
  background: var(--primary-blue);
  color: var(--white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 1rem;
}

.process-card h3 {
  font-size: 1rem;
  margin-bottom: 0.6rem;
}

.process-card p {
  color: var(--text-muted);
  font-size: 0.92rem;
}

/*-------------------------------------------------
                INFO SPLIT
-------------------------------------------------*/
.info-split-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 1.5rem;
}

.info-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow-sm);
}

.info-card h2 {
  font-size: 1.75rem;
  line-height: 1.2;
  margin: 0.35rem 0 1rem;
}

.info-card h3 {
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.info-card p {
  color: var(--text-muted);
  margin-bottom: 0.9rem;
  font-size: 0.96rem;
}

.check-list {
  display: grid;
  gap: 0.7rem;
}

.check-list li {
  position: relative;
  padding-left: 1.4rem;
  color: var(--text-main);
  font-size: 0.94rem;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--primary-blue);
  font-weight: 800;
}

/*-------------------------------------------------
                 DISCLAIMER
-------------------------------------------------*/
.disclaimer-wrap {
  padding-top: 0;
}

.disclaimer-card {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 1rem;
  align-items: start;
  background: linear-gradient(180deg, #f8fbff 0%, #f1f5f9 100%);
  border: 1px solid #dbeafe;
  border-radius: 18px;
  padding: 1.6rem;
  box-shadow: var(--shadow-sm);
}

.disclaimer-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: rgba(0, 82, 204, 0.08);
  color: var(--primary-blue);
  display: flex;
  align-items: center;
  justify-content: center;
}

.disclaimer-content h2 {
  font-size: 1.4rem;
  line-height: 1.25;
  margin-bottom: 0.75rem;
}

.disclaimer-content p {
  color: var(--text-muted);
  margin-bottom: 0.8rem;
}

.disclaimer-content p:last-child {
  margin-bottom: 0;
}

/*-------------------------------------------------
                    FAQ
-------------------------------------------------*/
.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.faq-card {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: var(--radius);
  padding: 1.35rem;
  box-shadow: var(--shadow-sm);
}

.faq-card h3 {
  font-size: 1rem;
  line-height: 1.35;
  margin-bottom: 0.6rem;
}

.faq-card p {
  color: var(--text-muted);
  font-size: 0.93rem;
}

/*-------------------------------------------------
                RELATED TOOLS
-------------------------------------------------*/
.related-tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.95rem;
}

.related-tool {
  background: var(--white);
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 0.95rem 1rem;
  text-align: center;
  font-weight: 600;
  font-size: 0.93rem;
  box-shadow: var(--shadow-sm);
}

.related-tool:hover {
  border-color: var(--primary-blue);
  color: var(--primary-blue);
  transform: translateY(-2px);
}

/*-------------------------------------------------
                    FOOTER
-------------------------------------------------*/
.footer {
  padding: 80px 0 40px;
  background: var(--white);
  border-top: 1px solid var(--border-color);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 60px;
}

.footer-brand p {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin: 20px 0;
  max-width: 350px;
}

.copyright {
  font-size: 0.8rem !important;
  margin-top: 40px !important;
}

.footer-links h4 {
  margin-bottom: 20px;
  font-size: 1rem;
}

.footer-links ul li {
  margin-bottom: 12px;
}

.footer-links ul li a {
  color: var(--text-muted);
  font-size: 0.9rem;
}

.footer-links ul li a:hover {
  color: var(--primary-blue);
}

/*-------------------------------------------------
                  RESPONSIVE
-------------------------------------------------*/
@media (max-width: 1100px) {
  .featured-tools-grid,
  .process-grid,
  .related-tools-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .info-split-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 992px) {
  .main-layout {
    grid-template-columns: 1fr;
  }

  .sidebar {
    position: static;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .section-padding {
    padding: 64px 0;
  }

  .container {
    padding: 0 18px;
  }

  .finance-hero h1 {
    font-size: 2.2rem;
  }

  .faq-grid,
  .featured-tools-grid,
  .process-grid,
  .related-tools-grid {
    grid-template-columns: 1fr;
  }

  .category-directory-header {
    grid-template-columns: 1fr;
    gap: 0.85rem;
  }

  .disclaimer-card {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}

@media (max-width: 560px) {
  .finance-hero {
    padding: 2.4rem 0 3rem;
  }

  .finance-hero h1 {
    font-size: 1.9rem;
  }

  .section-intro h2,
  .info-card h2,
  .disclaimer-content h2 {
    font-size: 1.5rem;
  }

  .hero-highlights {
    flex-direction: column;
    align-items: flex-start;
  }

  .category-page-btn {
    width: 100%;
  }
}