:root {
    --primary-blue: #0052cc;
    --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
    --bg-light: #f8fafc;
    --white: #ffffff;
    --text-main: #1e293b;
    --text-muted: #64748b;
    --border-color: #e2e8f0;
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --radius: 12px;
    --transition: all 0.3s ease;
}

/*-------------------------------------------------------------------------------------
                                        BASE LAYOUT
--------------------------------------------------------------------------------------*/
body {
    font-family: "Inter", sans-serif;
    color: var(--text-main);
    background: var(--white);
    margin: 0;
    line-height: 1.7;
}

.container {
    width: min(1200px, calc(100% - 32px));
    margin: 0 auto;
}

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

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

img {
    max-width: 100%;
    height: auto;
}

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

a:hover {
    text-decoration: underline;
}

.prose a {
    font-weight: 600;
    text-underline-offset: 3px;
}

.left-align {
    text-align: left;
}

.hidden {
    display: none !important;
}

/*-------------------------------------------------------------------------------------
                                        SECTION HEADER
--------------------------------------------------------------------------------------*/
.section-header {
    max-width: 820px;
    margin: 0 auto 32px;
    text-align: left;
}

.section-header.left-align {
    margin: 0 0 32px;
}

.section-header h2 {
    font-size: clamp(1.7rem, 2.5vw, 2.4rem);
    line-height: 1.2;
    margin: 0 0 12px;
    color: var(--text-main);
}

.section-header p {
    margin: 0;
    color: var(--text-muted);
    font-size: 1rem;
}

/*-------------------------------------------------------------------------------------
                                             HERO
--------------------------------------------------------------------------------------*/
.hero {
    background: var(--hero-gradient);
    color: var(--white);
    padding: 42px 0 56px;
}

.hero-content {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.88);
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.95);
}

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

.eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    padding: 8px 12px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 0.875rem;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.hero h1 {
    font-size: clamp(2rem, 5vw, 3.2rem);
    line-height: 1.1;
    margin: 0 0 18px;
    color: var(--white);
}

.hero p {
    margin: 0 0 18px;
    max-width: 780px;
    color: rgba(255, 255, 255, 0.94);
    font-size: 1.02rem;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin: 26px 0 14px;
}

.hero-note {
    margin-top: 10px;
    font-size: 0.96rem;
    opacity: 0.95;
}

/*-------------------------------------------------------------------------------------
                                             BUTTONS
--------------------------------------------------------------------------------------*/
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 48px;
    padding: 0 22px;
    border-radius: 10px;
    border: 1px solid transparent;
    font-weight: 700;
    transition: var(--transition);
    cursor: pointer;
    text-decoration: none;
    font-family: inherit;
    font-size: 1rem;
}

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

.btn-primary {
    background: var(--white);
    color: var(--primary-blue);
    box-shadow: var(--shadow-sm);
    border-color: #0061ff;
}

.btn-primary:hover {
    box-shadow: var(--shadow-md);
}

.btn-secondary {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.4);
}

.calculator-card .btn-secondary {
    color: var(--text-main);
    border-color: var(--border-color);
    background: var(--white);
}

/*-------------------------------------------------------------------------------------
                                         CONTENT CARDS
--------------------------------------------------------------------------------------*/
.content-card,
.calculator-card,
.table-card,
.trust-card,
.cta-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
}

.content-card,
.trust-card {
    padding: 28px;
}

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

.prose p {
    margin: 0 0 18px;
    color: var(--text-main);
}

.intro-spacer {
    margin-bottom: 24px;
}

/* QUICK NAV - MINIMAL */
.quick-nav-section {
    margin-top: 16px;
    padding: 24px 0;
    border-bottom: 1px solid var(--border-color);
}

.quick-nav-simple h2 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    font-weight: 700;
}

.quick-nav-links {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 18px;
}

.quick-nav-links a {
    font-size: 0.95rem;
    color: var(--primary-blue);
    border-bottom: 1px solid transparent;
}

.quick-nav-links a:hover {
    color: var(--primary-blue);
}

/*-------------------------------------------------------------------------------------
                                           CALCULATOR
--------------------------------------------------------------------------------------*/
.calculator-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 24px;
    align-items: start;
}

.calculator-card {
    padding: 24px;
}

.calculator-card h3 {
    margin: 0 0 10px;
    font-size: 1.4rem;
}

.card-intro {
    color: var(--text-muted);
    margin: 0 0 20px;
}

.form-message {
    padding: 12px 14px;
    border-radius: 10px;
    margin-bottom: 18px;
    font-size: 0.95rem;
}

.error-message {
    background: #fff1f2;
    color: #b42318;
    border: 1px solid #fecdd3;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 18px;
}

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

.form-group label {
    font-weight: 700;
    color: var(--text-main);
    font-size: 0.96rem;
}

.form-group input,
.form-group select {
    min-height: 48px;
    border: 1px solid var(--border-color);
    border-radius: 10px;
    padding: 0 14px;
    font-size: 1rem;
    font-family: inherit;
    color: var(--text-main);
    background: var(--white);
    transition: var(--transition);
    box-sizing: border-box;
    width: 100%;
}

.form-group input::placeholder {
    color: #94a3b8;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 3px rgba(0, 82, 204, 0.12);
}

.form-group small {
    color: var(--text-muted);
    font-size: 0.88rem;
}

.button-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 8px;
}

/*-------------------------------------------------------------------------------------
                                             RESULTS
--------------------------------------------------------------------------------------*/
.results-placeholder {
    min-height: 320px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 12px;
    text-align: center;
    color: var(--text-muted);
    border: 1px dashed var(--border-color);
    border-radius: 12px;
    padding: 24px;
}

.results-placeholder i {
    font-size: 2rem;
    color: var(--primary-blue);
}

.results-content {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.status-banner {
    padding: 18px;
    border-radius: 12px;
    border: 1px solid var(--border-color);
    background: #f8fbff;
}

.status-badge {
    display: inline-flex;
    align-items: center;
    min-height: 34px;
    padding: 0 12px;
    border-radius: 999px;
    font-weight: 800;
    font-size: 0.88rem;
    margin-bottom: 10px;
    background: #dbeafe;
    color: #1d4ed8;
}

.status-banner.on-track .status-badge {
    background: #dcfce7;
    color: #15803d;
}

.status-banner.long-term .status-badge {
    background: #e0e7ff;
    color: #4338ca;
}

.status-banner.needs-higher .status-badge {
    background: #fef3c7;
    color: #b45309;
}

.status-banner.aggressive .status-badge {
    background: #fee2e2;
    color: #b91c1c;
}

.results-summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.summary-item {
    padding: 18px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: var(--white);
}

.summary-item.accent {
    background: #f8fbff;
}

.summary-item .label {
    display: block;
    margin-bottom: 8px;
    color: var(--text-muted);
    font-size: 0.9rem;
    font-weight: 600;
}

.summary-item strong {
    display: block;
    font-size: 1.2rem;
    line-height: 1.3;
    color: var(--text-main);
}

.snapshot-card,
.interpretation-card {
    padding: 20px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: var(--white);
}

.snapshot-card h4,
.interpretation-card h4 {
    margin: 0 0 14px;
    font-size: 1.05rem;
}

.breakdown-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.breakdown-row {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 16px;
    align-items: center;
}

.breakdown-meta {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.breakdown-meta strong {
    font-size: 0.95rem;
}

.breakdown-meta span {
    font-size: 0.88rem;
    color: var(--text-muted);
}

.breakdown-bar {
    width: 100%;
    height: 8px;
    border-radius: 999px;
    background: #eaf1fb;
    overflow: hidden;
}

.breakdown-fill {
    height: 100%;
    border-radius: 999px;
    background: var(--primary-blue);
}

.breakdown-amount {
    font-weight: 700;
    color: var(--text-main);
    white-space: nowrap;
}

/*-------------------------------------------------------------------------------------
                                          FEATURED SNIPPET
--------------------------------------------------------------------------------------*/
.snippet-list {
    margin: 0;
    padding-left: 20px;
}

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

/*-------------------------------------------------------------------------------------
                                           CARD GRIDS
--------------------------------------------------------------------------------------*/
.use-grid,
.steps-grid,
.benefit-grid,
.tips-grid,
.related-grid,
.method-grid {
    display: grid;
    gap: 20px;
}

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

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

.steps-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
}

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

.method-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    margin-bottom: 20px;
}

.use-card,
.step-card,
.benefit-card,
.tip-card,
.related-card,
.method-card {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    padding: 22px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.use-card:hover,
.step-card:hover,
.benefit-card:hover,
.tip-card:hover,
.related-card:hover,
.method-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.use-card i,
.benefit-card i {
    font-size: 1.1rem;
    color: var(--primary-blue);
    margin-bottom: 14px;
}

.use-card h3,
.step-card h3,
.benefit-card h3,
.tip-card h3,
.related-card h3,
.method-card h3 {
    margin: 0 0 10px;
    font-size: 1.05rem;
    line-height: 1.35;
}

.use-card p,
.step-card p,
.benefit-card p,
.tip-card p,
.related-card p,
.method-card p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.96rem;
}

.step-number {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #eaf1fb;
    color: var(--primary-blue);
    font-weight: 800;
    margin-bottom: 14px;
}

/*-------------------------------------------------------------------------------------
                                            FORMULA BOXES
--------------------------------------------------------------------------------------*/
.formula-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    margin: 22px 0;
}

.formula-box {
    padding: 16px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: #f8fbff;
    font-weight: 700;
    text-align: center;
}

/*-------------------------------------------------------------------------------------
                                               TABLE
--------------------------------------------------------------------------------------*/
.table-card {
    overflow-x: auto;
    margin-top: 24px;
}

.budget-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 640px;
}

.budget-table th,
.budget-table td {
    padding: 16px 18px;
    border-bottom: 1px solid var(--border-color);
    text-align: left;
}

.budget-table th {
    background: #f8fbff;
    color: var(--text-main);
    font-weight: 800;
}

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

/*-------------------------------------------------------------------------------------
                                                 FAQ
--------------------------------------------------------------------------------------*/
.faq-list {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    padding: 0 18px;
    box-shadow: var(--shadow-sm);
}

.faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 18px 0;
    font-weight: 700;
    color: var(--text-main);
    position: relative;
    padding-right: 28px;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary::after {
    content: "+";
    position: absolute;
    right: 0;
    top: 18px;
    color: var(--primary-blue);
    font-size: 1.15rem;
    font-weight: 800;
}

.faq-item[open] summary::after {
    content: "–";
}

.faq-item p {
    margin: 0;
    padding: 0 0 18px;
    color: var(--text-muted);
}

/*-------------------------------------------------------------------------------------
                                        TRUST / CTA / RELATED
--------------------------------------------------------------------------------------*/
.trust-card h2,
.cta-card h2 {
    margin: 0 0 12px;
    font-size: clamp(1.5rem, 2.4vw, 2.15rem);
    line-height: 1.2;
}

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

.related-card {
    text-decoration: none;
    color: inherit;
}

.related-card:hover {
    text-decoration: none;
}

.cta-card {
    text-align: center;
    padding: 34px 28px;
    background: var(--hero-gradient);
    color: var(--white);
    border: 0;
}

.cta-card p {
    max-width: 760px;
    margin: 0 auto 22px;
    color: rgba(255, 255, 255, 0.92);
}

.cta-card .btn-primary {
    background: var(--white);
    color: var(--primary-blue);
}

.factors-card {
    margin-top: 20px;
}

/*-------------------------------------------------------------------------------------
                                           RESPONSIVE
--------------------------------------------------------------------------------------*/
@media (max-width: 1100px) {
    .steps-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

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

    .use-grid,
    .benefit-grid,
    .related-grid,
    .method-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

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

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

    .hero {
        padding: 34px 0 48px;
    }

    
    .quick-nav-simple h2 {
        font-size: 1rem;
    }

    .quick-nav-links {
        gap: 8px 12px;
    }

    .quick-nav-links a {
        font-size: 0.9rem;
        padding: 6px 0; /* easier tap */
    }

    .hero-actions,
    .button-row {
        gap: 10px;
    }

    .calculator-card,
    .content-card,
    .trust-card,
    .cta-card {
        padding: 22px 18px;
    }

    .form-grid,
    .results-summary-grid,
    .formula-grid,
    .use-grid,
    .steps-grid,
    .benefit-grid,
    .tips-grid,
    .related-grid,
    .method-grid {
        grid-template-columns: 1fr;
    }

    .breakdown-row {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .summary-item strong {
        font-size: 1.1rem;
    }
}

@media (max-width: 520px) {
    .container {
        width: min(1200px, calc(100% - 20px));
    }

    .hero-actions .btn,
    .button-row .btn {
        width: 100%;
    }
}

@media (max-width: 480px) {

    .quick-nav-links {
        flex-direction: column;
        gap: 6px;
    }

    .quick-nav-links a {
        display: block;
        width: 100%;
    }
}