/* =============================================
   LIC-Calculator.com — Premium Design System
   Light Theme Default | Mobile-First | India
   ============================================= */

/* ── Google Fonts ── */
/* Fonts loaded non-blocking via HTML preload — DO NOT use @import here */

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body,h1,h2,h3,h4,h5,h6,p,ul,ol,figure{margin:0}
ul,ol{list-style:none}
img,svg{display:block;max-width:100%}
input,button,textarea,select{font:inherit;color:inherit;border:none;background:none}
button{cursor:pointer}
a{color:inherit;text-decoration:none}
table{border-collapse:collapse;width:100%}

/* ══════════════════════════════
   DESIGN TOKENS — LIGHT (Default)
   ══════════════════════════════ */
:root{
  --primary:#1a56db;
  --primary-dark:#1e3a8a;
  --primary-light:#3b82f6;
  --primary-lighter:#dbeafe;
  --primary-bg:rgba(26,86,219,0.06);
  --primary-glow:rgba(26,86,219,0.12);
  --accent:#b45309;
  --accent-light:#d97706;
  --accent-bg:rgba(180,83,9,0.06);
  --success:#059669;
  --success-bg:rgba(5,150,105,0.08);
  --error:#dc2626;
  --error-bg:rgba(220,38,38,0.06);
  --warning:#d97706;
  --warning-bg:rgba(217,119,6,0.06);

  --bg-body:#f8fafc;
  --bg-white:#ffffff;
  --bg-surface:#f1f5f9;
  --bg-card:#ffffff;
  --bg-card-hover:#ffffff;
  --bg-input:#f8fafc;
  --bg-input-focus:#ffffff;
  --bg-hero:linear-gradient(135deg,#0f2557 0%,#1a3f8f 30%,#1a56db 60%,#2563eb 100%);

  --text-primary:#111827;
  --text-secondary:#4b5563;
  --text-muted:#9ca3af;
  --text-on-primary:#ffffff;

  --border:#e5e7eb;
  --border-hover:#d1d5db;
  --border-active:var(--primary);

  --shadow-xs:0 1px 2px rgba(0,0,0,0.05);
  --shadow-sm:0 1px 3px rgba(0,0,0,0.08),0 1px 2px rgba(0,0,0,0.04);
  --shadow:0 4px 6px -1px rgba(0,0,0,0.07),0 2px 4px -2px rgba(0,0,0,0.05);
  --shadow-md:0 10px 15px -3px rgba(0,0,0,0.08),0 4px 6px -4px rgba(0,0,0,0.04);
  --shadow-lg:0 20px 25px -5px rgba(0,0,0,0.08),0 8px 10px -6px rgba(0,0,0,0.04);
  --shadow-xl:0 24px 48px -12px rgba(0,0,0,0.12);
  --shadow-primary:0 4px 14px rgba(26,86,219,0.25);
  --shadow-glow:0 0 40px rgba(26,86,219,0.08);

  --radius:10px;
  --radius-lg:16px;
  --radius-xl:24px;
  --radius-full:9999px;
  --nav-height:68px;
  --max-width:1200px;
  --transition:0.2s ease;
  --transition-slow:0.35s ease;
}

/* ── Dark Mode ── */
body.dark-mode{
  --bg-body:#0b1120;
  --bg-white:#111827;
  --bg-surface:#1e293b;
  --bg-card:#1e293b;
  --bg-card-hover:#263548;
  --bg-input:#1e293b;
  --bg-input-focus:#263548;
  --text-primary:#f1f5f9;
  --text-secondary:#94a3b8;
  --text-muted:#64748b;
  --border:#334155;
  --border-hover:#475569;
  --shadow-xs:0 1px 2px rgba(0,0,0,0.3);
  --shadow-sm:0 1px 3px rgba(0,0,0,0.4);
  --shadow:0 4px 6px rgba(0,0,0,0.4);
  --shadow-md:0 10px 15px rgba(0,0,0,0.4);
  --shadow-lg:0 20px 25px rgba(0,0,0,0.5);
  --shadow-xl:0 24px 48px rgba(0,0,0,0.5);
  --primary-bg:rgba(59,130,246,0.12);
  --primary-lighter:#1e3a5f;
}

/* ── Base ── */
body{
  font-family:'DM Sans','Segoe UI',system-ui,-apple-system,sans-serif;
  background:var(--bg-body);
  color:var(--text-primary);
  min-height:100vh;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
  font-size:15px;
  line-height:1.6;
}

/* ── Typography ── */
h1,h2,h3,h4,h5,h6{font-family:'Inter','Segoe UI',system-ui,sans-serif;font-weight:700;line-height:1.25;color:var(--text-primary)}
h1{font-size:clamp(1.75rem,4.5vw,2.75rem);letter-spacing:-0.03em;font-weight:800}
h2{font-size:clamp(1.4rem,3vw,2rem);letter-spacing:-0.02em}
h3{font-size:clamp(1.05rem,2vw,1.3rem)}
h4{font-size:1rem;font-weight:600}
p{line-height:1.7;color:var(--text-secondary)}
.text-gradient{background:linear-gradient(135deg,var(--primary),#7c3aed);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}

/* ── Container ── */
.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 16px}
@media(min-width:640px){.container{padding:0 24px}}
@media(min-width:1024px){.container{padding:0 32px}}

/* ── Sections ── */
.section{padding:64px 0}
@media(min-width:768px){.section{padding:80px 0}}
.section-header{text-align:center;margin-bottom:40px}
.section-header h2{margin-bottom:10px}
.section-header p{max-width:560px;margin:0 auto;font-size:0.95rem}
.section-badge{
  display:inline-flex;align-items:center;gap:6px;
  font-size:0.75rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;
  padding:5px 14px;border-radius:var(--radius-full);
  background:var(--primary-bg);color:var(--primary);
  border:1px solid rgba(26,86,219,0.15);margin-bottom:14px;
}

/* ══════════════════════════════
   HEADER
   ══════════════════════════════ */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:100;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);
  height:var(--nav-height);
  transition:box-shadow var(--transition),background var(--transition);
}
body.dark-mode .site-header{background:rgba(17,24,39,0.92)}
.site-header.scrolled{box-shadow:var(--shadow-md)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:var(--nav-height);gap:16px}

/* Logo */
.nav-logo{display:flex;align-items:center;gap:8px;font-family:'Inter',sans-serif;font-weight:800;font-size:1.15rem;color:var(--text-primary);white-space:nowrap}
.nav-logo-icon{
  width:36px;height:36px;border-radius:10px;
  background:var(--bg-hero);
  display:flex;align-items:center;justify-content:center;
  color:#fff;flex-shrink:0;
  box-shadow:0 2px 8px rgba(26,86,219,0.3);
}
.nav-logo span{color:var(--primary)}

/* Nav Menu */
.nav-menu{display:none;align-items:center;gap:2px}
@media(min-width:1024px){.nav-menu{display:flex}}
.nav-link{
  padding:8px 14px;font-size:0.875rem;font-weight:500;
  color:var(--text-secondary);border-radius:8px;transition:var(--transition);
}
.nav-link:hover,.nav-link.active{color:var(--primary);background:var(--primary-bg)}

/* Dropdown */
.nav-dropdown{position:relative}
.nav-dropdown-trigger{display:flex;align-items:center;gap:4px}
.nav-dropdown-trigger svg{width:12px;height:12px;transition:var(--transition)}
.nav-dropdown:hover .nav-dropdown-trigger svg{transform:rotate(180deg)}
.nav-dropdown-menu{
  position:absolute;top:calc(100% + 4px);left:50%;transform:translateX(-50%) translateY(6px);
  background:var(--bg-white);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:6px;min-width:260px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:var(--transition);box-shadow:var(--shadow-xl);z-index:50;
}
.nav-dropdown:hover .nav-dropdown-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.nav-dropdown-item{display:flex;align-items:center;gap:10px;padding:8px 12px;border-radius:8px;font-size:0.85rem;color:var(--text-secondary);transition:var(--transition)}
.nav-dropdown-item:hover{background:var(--primary-bg);color:var(--primary)}
.nav-dropdown-item .item-icon{width:30px;height:30px;border-radius:8px;background:var(--primary-bg);display:flex;align-items:center;justify-content:center;font-size:0.85rem;flex-shrink:0}
.nav-dropdown-item .item-text{display:flex;flex-direction:column}
.nav-dropdown-item .item-name{font-weight:600;color:var(--text-primary);font-size:0.83rem}
.nav-dropdown-item .item-desc{font-size:0.72rem;color:var(--text-muted)}

/* Theme Toggle */
.nav-actions{display:flex;align-items:center;gap:6px}
.theme-toggle{
  width:36px;height:36px;border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  color:var(--text-muted);background:var(--bg-surface);
  border:1px solid var(--border);transition:var(--transition);
}
.theme-toggle:hover{color:var(--primary);border-color:var(--border-hover)}
.theme-toggle svg{width:18px;height:18px}

/* Mobile Menu Button */
.mobile-menu-btn{display:flex;flex-direction:column;gap:5px;padding:8px;cursor:pointer}
@media(min-width:1024px){.mobile-menu-btn{display:none}}
.mobile-menu-btn span{width:20px;height:2px;background:var(--text-secondary);border-radius:2px;transition:var(--transition)}
.mobile-menu-btn.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.mobile-menu-btn.active span:nth-child(2){opacity:0}
.mobile-menu-btn.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Mobile Nav */
.mobile-nav{
  position:fixed;top:var(--nav-height);left:0;right:0;bottom:0;
  background:var(--bg-white);z-index:99;
  transform:translateX(100%);transition:var(--transition-slow);
  padding:16px;overflow-y:auto;
}
.mobile-nav.open{transform:translateX(0)}
.mobile-nav-link{display:block;padding:12px 14px;font-size:1rem;font-weight:500;color:var(--text-secondary);border-radius:8px;transition:var(--transition)}
.mobile-nav-link:hover,.mobile-nav-link.active{color:var(--primary);background:var(--primary-bg)}
.mobile-nav-divider{height:1px;background:var(--border);margin:10px 0}
.mobile-nav-group-title{font-size:0.7rem;text-transform:uppercase;letter-spacing:0.08em;color:var(--text-muted);padding:6px 14px;font-weight:700}

/* ══════════════════════════════
   HERO — Premium Gradient
   ══════════════════════════════ */
.hero{
  padding:calc(var(--nav-height) + 48px) 0 56px;
  background:var(--bg-hero);
  color:#fff;
  position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;top:0;left:0;right:0;bottom:0;
  background:
    radial-gradient(ellipse 600px 400px at 20% 80%,rgba(59,130,246,0.3),transparent),
    radial-gradient(ellipse 500px 300px at 80% 20%,rgba(139,92,246,0.15),transparent);
  pointer-events:none;
}
.hero::after{
  content:'';position:absolute;bottom:-2px;left:0;right:0;height:60px;
  background:var(--bg-body);
  clip-path:ellipse(55% 100% at 50% 100%);
}
.hero-content{position:relative;z-index:1;text-align:center;max-width:780px;margin:0 auto}
.hero-content h1{color:#fff;margin-bottom:16px;font-size:clamp(1.6rem,4.5vw,2.6rem)}
.hero-content h1 .highlight{background:linear-gradient(90deg,#fbbf24,#f97316);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hero-content>p{color:rgba(255,255,255,0.85);font-size:clamp(0.9rem,1.8vw,1.08rem);max-width:600px;margin:0 auto 28px}

.hero-cta{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;margin-bottom:32px}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 24px;font-size:0.9rem;font-weight:600;border-radius:var(--radius);
  transition:var(--transition);border:1px solid transparent;white-space:nowrap;
}
.btn svg{width:16px;height:16px}
.btn-primary{background:var(--primary);color:#fff;box-shadow:var(--shadow-primary)}
.btn-primary:hover{background:var(--primary-dark);transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,86,219,0.35)}
.btn-white{background:#fff;color:var(--primary);border-color:rgba(255,255,255,0.3);font-weight:700}
.btn-white:hover{background:#f8fafc;transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.btn-outline{background:transparent;color:var(--primary);border-color:var(--border)}
.btn-outline:hover{background:var(--primary-bg);border-color:var(--primary)}
.btn-accent{background:var(--accent);color:#fff}
.btn-accent:hover{background:var(--accent-light);transform:translateY(-1px)}

/* Trust Badges */
.hero-badges{display:flex;align-items:center;justify-content:center;gap:20px;flex-wrap:wrap}
.hero-badge{display:flex;align-items:center;gap:5px;font-size:0.8rem;color:rgba(255,255,255,0.75);font-weight:500}
.hero-badge svg{width:14px;height:14px;color:#34d399}

/* ══════════════════════════════
   PLANS GRID
   ══════════════════════════════ */
.plans-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(min-width:640px){.plans-grid{grid-template-columns:repeat(3,1fr);gap:16px}}
@media(min-width:1024px){.plans-grid{grid-template-columns:repeat(4,1fr);gap:16px}}

.plan-card{
  background:var(--bg-card);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:22px 16px;
  transition:all var(--transition);
  cursor:pointer;
  text-align:center;
  position:relative;
}
.plan-card:hover{
  border-color:var(--primary);
  box-shadow:0 8px 30px rgba(26,86,219,0.12);
  transform:translateY(-4px);
}
.plan-card-icon{
  width:48px;height:48px;border-radius:12px;
  background:linear-gradient(135deg,var(--primary-bg),rgba(26,86,219,0.12));
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;margin:0 auto 12px;
}
.plan-card h3{font-size:0.9rem;margin-bottom:2px}
.plan-card .plan-number{font-size:0.72rem;color:var(--text-muted);margin-bottom:8px}
.plan-card .plan-type{
  display:inline-block;font-size:0.65rem;font-weight:700;
  padding:2px 8px;border-radius:var(--radius-full);
  background:var(--primary-bg);color:var(--primary);
  text-transform:uppercase;letter-spacing:0.04em;
}
.plan-card .plan-tagline{font-size:0.78rem;color:var(--text-muted);margin-top:8px;line-height:1.45;display:none}
@media(min-width:640px){.plan-card .plan-tagline{display:block}}

/* ══════════════════════════════
   CALCULATOR — Premium Look
   ══════════════════════════════ */
.calc-wrapper{
  background:var(--bg-card);
  border:1px solid var(--border);
  border-radius:var(--radius-xl);
  overflow:hidden;
  box-shadow:var(--shadow-xl),var(--shadow-glow);
  position:relative;
}
.calc-wrapper::before{
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--primary),#7c3aed,var(--primary-light));
  border-radius:var(--radius-xl) var(--radius-xl) 0 0;
}

/* Tabs */
.calc-tabs{display:flex;background:var(--bg-surface);border-bottom:2px solid var(--border);overflow-x:auto;-webkit-overflow-scrolling:touch;position:relative}
.calc-tab{
  flex:1;min-width:0;padding:16px 12px;
  display:flex;align-items:center;justify-content:center;gap:6px;
  font-size:0.82rem;font-weight:600;color:var(--text-muted);
  transition:var(--transition);border-bottom:3px solid transparent;margin-bottom:-2px;
  white-space:nowrap;position:relative;
}
@media(min-width:640px){.calc-tab{font-size:0.9rem;padding:16px 24px}}
.calc-tab:hover{color:var(--text-secondary);background:rgba(26,86,219,0.03)}
.calc-tab.active{color:var(--primary);border-bottom-color:var(--primary);background:var(--bg-card);font-weight:700}
.calc-tab svg{width:16px;height:16px;flex-shrink:0}

/* Body */
.calc-body{padding:24px;display:grid;grid-template-columns:1fr;gap:28px}
@media(min-width:640px){.calc-body{padding:32px}}
@media(min-width:900px){.calc-body{grid-template-columns:1fr 1fr;gap:40px;padding:36px}}

/* Form */
.calc-form{display:flex;flex-direction:column;gap:18px}
.form-row{display:grid;grid-template-columns:1fr;gap:14px}
@media(min-width:480px){.form-row{grid-template-columns:1fr 1fr}}
.form-group{display:flex;flex-direction:column;gap:5px}
.form-group.full-width{grid-column:1/-1}
.form-label{font-size:0.82rem;font-weight:600;color:var(--text-secondary)}
.form-label .required{color:var(--error);font-weight:700}

.form-input,.form-select{
  width:100%;padding:12px 16px;
  background:var(--bg-input);
  border:1.5px solid var(--border);
  border-radius:var(--radius);
  color:var(--text-primary);
  font-size:0.9rem;
  transition:var(--transition);
  appearance:none;-webkit-appearance:none;
}
.form-input:focus,.form-select:focus{outline:none;border-color:var(--primary);background:var(--bg-input-focus);box-shadow:0 0 0 4px var(--primary-glow)}
.form-input::placeholder{color:var(--text-muted)}
.form-input.error{border-color:var(--error)}
.form-select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%239ca3af' viewBox='0 0 16 16'%3E%3Cpath d='M8 11.5l-5-5h10l-5 5z'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:36px;cursor:pointer;
}
.form-hint{font-size:0.72rem;color:var(--text-muted)}
.form-error{font-size:0.72rem;color:var(--error);display:none}
.form-error.show{display:block}
.form-textarea{width:100%;padding:12px 16px;background:var(--bg-input);border:1.5px solid var(--border);border-radius:var(--radius);color:var(--text-primary);font-size:0.9rem;transition:var(--transition);resize:vertical;min-height:120px;font-family:inherit}
.form-textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px var(--primary-glow)}

/* Riders */
.rider-group{display:flex;flex-direction:column;gap:8px}
.rider-item{
  display:flex;align-items:center;gap:10px;
  padding:12px 14px;background:var(--bg-surface);
  border:1px solid var(--border);border-radius:var(--radius);
  cursor:pointer;transition:var(--transition);
}
.rider-item:hover{border-color:var(--border-hover);background:rgba(26,86,219,0.03)}
.rider-item input[type=checkbox]{display:none}
.rider-toggle{
  width:40px;height:22px;border-radius:11px;
  background:var(--border);position:relative;
  transition:var(--transition);flex-shrink:0;
}
.rider-toggle::after{
  content:'';position:absolute;top:2px;left:2px;
  width:18px;height:18px;border-radius:50%;
  background:#fff;transition:var(--transition);
  box-shadow:var(--shadow-sm);
}
.rider-item input:checked~.rider-toggle{background:var(--primary)}
.rider-item input:checked~.rider-toggle::after{left:20px}
.rider-info .rider-name{font-size:0.82rem;font-weight:600}
.rider-info .rider-desc{font-size:0.7rem;color:var(--text-muted)}

/* Calculate Button — PREMIUM */
.btn-calculate{
  width:100%;padding:15px;font-size:0.95rem;font-weight:700;
  background:linear-gradient(135deg,var(--primary) 0%,#2563eb 50%,#7c3aed 100%);
  color:#fff;border-radius:var(--radius);
  box-shadow:0 4px 15px rgba(26,86,219,0.35);
  transition:all var(--transition);
  text-transform:uppercase;letter-spacing:0.04em;
  position:relative;overflow:hidden;
}
.btn-calculate::before{
  content:'';position:absolute;top:0;left:-100%;width:100%;height:100%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,0.15),transparent);
  transition:left 0.5s ease;
}
.btn-calculate:hover{transform:translateY(-2px);box-shadow:0 8px 30px rgba(26,86,219,0.45)}
.btn-calculate:hover::before{left:100%}
.btn-calculate:active{transform:translateY(0)}

/* ══════════════════════════════
   RESULTS — Rich & Premium
   ══════════════════════════════ */
.results-panel{display:flex;flex-direction:column;gap:20px;transition:var(--transition-slow)}
.results-panel.hidden{opacity:0;pointer-events:none;position:absolute;visibility:hidden}

.results-header{text-align:center;padding-bottom:16px;border-bottom:2px solid var(--border)}
.results-header h3{font-size:1.05rem;margin-bottom:4px}
.results-header .plan-info{font-size:0.78rem;color:var(--text-muted)}

.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.result-card{
  background:var(--bg-surface);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:18px 14px;text-align:center;
  transition:all var(--transition);
  position:relative;
}
.result-card:hover{border-color:var(--border-hover);box-shadow:var(--shadow-sm);transform:translateY(-1px)}

/* PRIMARY result card — Big, bold, gradient border */
.result-card.primary{
  grid-column:1/-1;
  background:linear-gradient(135deg,rgba(26,86,219,0.06) 0%,rgba(139,92,246,0.04) 100%);
  border:2px solid rgba(26,86,219,0.2);
  padding:24px 14px;
  position:relative;overflow:hidden;
}
.result-card.primary::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--primary),#7c3aed);
}

.result-amount{font-family:'Inter',sans-serif;font-size:1.2rem;font-weight:800;color:var(--text-primary);margin-bottom:4px}
.result-card.primary .result-amount{
  font-size:clamp(1.6rem,4vw,2.2rem);
  background:linear-gradient(135deg,var(--primary),#7c3aed);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.result-label{font-size:0.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.05em;font-weight:600}

/* Payment Modes — Rich Cards */
.payment-modes{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}
@media(min-width:480px){.payment-modes{grid-template-columns:repeat(4,1fr)}}
.mode-card{
  background:var(--bg-surface);
  border:1.5px solid var(--border);
  border-radius:var(--radius);
  padding:14px 8px;text-align:center;
  cursor:pointer;transition:all var(--transition);
  position:relative;
}
.mode-card:hover{border-color:var(--border-hover);box-shadow:var(--shadow-sm)}
.mode-card.active{
  border-color:var(--primary);
  background:linear-gradient(135deg,rgba(26,86,219,0.08),rgba(26,86,219,0.03));
  box-shadow:0 2px 12px rgba(26,86,219,0.12);
}
.mode-card.active::after{
  content:'';position:absolute;top:0;left:20%;right:20%;height:2px;
  background:var(--primary);border-radius:0 0 2px 2px;
}
.mode-label{font-size:0.68rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.05em;margin-bottom:4px;font-weight:700}
.mode-amount{font-family:'Inter',sans-serif;font-size:0.92rem;font-weight:700;color:var(--text-primary)}
.mode-card.active .mode-amount{color:var(--primary);font-weight:800}

/* Chart */
.chart-area{display:flex;flex-direction:column;align-items:center;gap:12px;padding:12px 0}
.chart-area canvas{max-width:220px}
.chart-legend{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.legend-item{display:flex;align-items:center;gap:6px;font-size:0.78rem;color:var(--text-secondary);font-weight:500}
.legend-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}

/* Placeholder */
.results-placeholder{
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;padding:48px 16px;gap:16px;min-height:360px;
}
.results-placeholder svg{width:72px;height:72px;color:var(--text-muted);opacity:0.2}
.results-placeholder p{color:var(--text-muted);font-size:0.88rem;max-width:260px}

/* ══════════════════════════════
   FEATURES — Elevated Cards
   ══════════════════════════════ */
.features-grid{display:grid;grid-template-columns:1fr;gap:14px}
@media(min-width:480px){.features-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:900px){.features-grid{grid-template-columns:repeat(4,1fr)}}
.feature-card{
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:28px 22px;
  transition:all var(--transition);
  position:relative;overflow:hidden;
}
.feature-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:var(--primary);opacity:0;transition:opacity var(--transition);
}
.feature-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--primary-lighter)}
.feature-card:hover::before{opacity:1}
.feature-icon{
  width:48px;height:48px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:16px;
}
.feature-icon.blue{background:linear-gradient(135deg,rgba(26,86,219,0.1),rgba(26,86,219,0.05));color:var(--primary)}
.feature-icon.gold{background:linear-gradient(135deg,rgba(180,83,9,0.1),rgba(180,83,9,0.05));color:var(--accent)}
.feature-icon.green{background:linear-gradient(135deg,rgba(5,150,105,0.1),rgba(5,150,105,0.05));color:var(--success)}
.feature-icon.purple{background:linear-gradient(135deg,rgba(139,92,246,0.1),rgba(139,92,246,0.05));color:#7c3aed}
.feature-card h3{font-size:0.95rem;margin-bottom:6px}
.feature-card p{font-size:0.82rem;line-height:1.55}
.feature-card .feature-link{
  display:inline-flex;align-items:center;gap:4px;
  margin-top:12px;font-size:0.8rem;font-weight:600;color:var(--primary);
  transition:gap var(--transition);
}
.feature-card:hover .feature-link{gap:8px}

/* ══════════════════════════════
   HOW IT WORKS
   ══════════════════════════════ */
.steps-grid{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:640px){.steps-grid{grid-template-columns:repeat(3,1fr);gap:32px}}
.step{text-align:center}
.step-number{
  width:52px;height:52px;border-radius:50%;
  background:linear-gradient(135deg,var(--primary),#7c3aed);color:#fff;
  font-family:'Inter',sans-serif;font-weight:800;font-size:1.1rem;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 14px;box-shadow:0 4px 16px rgba(26,86,219,0.3);
}
.step h3{margin-bottom:6px;font-size:0.95rem}
.step p{font-size:0.82rem;max-width:260px;margin:0 auto}

/* ══════════════════════════════
   ARTICLES / BLOG PREVIEW
   ══════════════════════════════ */
.articles-grid{display:grid;grid-template-columns:1fr;gap:16px}
@media(min-width:640px){.articles-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:900px){.articles-grid{grid-template-columns:repeat(3,1fr)}}
.article-card{
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius-lg);overflow:hidden;
  transition:all var(--transition);
}
.article-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--primary-lighter)}
.article-card-body{padding:24px 20px}
.article-card-tag{
  font-size:0.7rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;
  color:var(--primary);margin-bottom:10px;
  background:var(--primary-bg);display:inline-block;padding:3px 10px;border-radius:var(--radius-full);
}
.article-card h3{font-size:0.92rem;margin-bottom:8px;line-height:1.4}
.article-card p{font-size:0.8rem;color:var(--text-muted);line-height:1.55}
.article-card .read-more{display:inline-flex;align-items:center;gap:4px;margin-top:12px;font-size:0.8rem;font-weight:600;color:var(--primary)}

/* ══════════════════════════════
   FAQ — Polished
   ══════════════════════════════ */
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:10px}
.faq-item{
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius-lg);overflow:hidden;
  transition:border-color var(--transition),box-shadow var(--transition);
}
.faq-item:hover{border-color:var(--border-hover)}
.faq-question{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 20px;cursor:pointer;
  font-weight:600;font-size:0.9rem;color:var(--text-primary);gap:10px;
}
.faq-question svg{width:18px;height:18px;color:var(--text-muted);transition:var(--transition);flex-shrink:0}
.faq-item.active .faq-question svg{transform:rotate(180deg);color:var(--primary)}
.faq-item.active{border-color:var(--primary);box-shadow:0 2px 12px rgba(26,86,219,0.08)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.3s ease}
.faq-answer-inner{padding:0 20px 16px;font-size:0.86rem;line-height:1.7;color:var(--text-secondary)}

/* ══════════════════════════════
   DISCLAIMER
   ══════════════════════════════ */
.disclaimer-section{background:var(--bg-surface)}
.disclaimer-box{
  max-width:800px;margin:0 auto;
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:28px;
  box-shadow:var(--shadow-sm);
}
@media(min-width:640px){.disclaimer-box{padding:36px}}
.disclaimer-box h3{display:flex;align-items:center;gap:8px;margin-bottom:16px;color:var(--warning);font-size:1.05rem}
.disclaimer-box h3 svg{width:22px;height:22px;flex-shrink:0}
.disclaimer-box p,.disclaimer-box li{font-size:0.84rem;color:var(--text-secondary);line-height:1.65;margin-bottom:6px}
.disclaimer-box ul{padding-left:18px}
.disclaimer-box ul li{list-style:disc;margin-bottom:4px}
.disclaimer-highlight{
  background:linear-gradient(135deg,var(--warning-bg),rgba(217,119,6,0.03));
  border:1px solid rgba(217,119,6,0.2);
  border-radius:var(--radius);padding:14px 18px;margin-top:16px;
  font-size:0.82rem;color:var(--accent);font-weight:500;line-height:1.5;
}

/* ══════════════════════════════
   POLICIES STRIP
   ══════════════════════════════ */
.policies-strip{
  background:var(--bg-surface);border-top:1px solid var(--border);
  padding:20px 0;
}
.policies-links{
  display:flex;align-items:center;justify-content:center;
  flex-wrap:wrap;gap:8px 20px;
}
.policies-links a{font-size:0.8rem;color:var(--text-muted);font-weight:500;transition:var(--transition)}
.policies-links a:hover{color:var(--primary)}
.policies-links .sep{color:var(--border);font-size:0.7rem}

/* ══════════════════════════════
   FOOTER
   ══════════════════════════════ */
.site-footer{background:var(--bg-white);border-top:1px solid var(--border);padding:48px 0 0}
body.dark-mode .site-footer{background:var(--bg-surface)}
.footer-grid{display:grid;grid-template-columns:1fr;gap:32px;padding-bottom:32px}
@media(min-width:640px){.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:900px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
.footer-brand{max-width:280px}
.footer-brand .nav-logo{margin-bottom:10px}
.footer-brand>p{font-size:0.82rem;margin-bottom:14px}
.footer-section h4{font-size:0.75rem;text-transform:uppercase;letter-spacing:0.08em;color:var(--text-muted);margin-bottom:12px;font-weight:700}
.footer-links{display:flex;flex-direction:column;gap:8px}
.footer-link{font-size:0.82rem;color:var(--text-secondary);transition:var(--transition)}
.footer-link:hover{color:var(--primary)}

/* Social Links */
.social-links{display:flex;gap:8px;margin-top:4px}
.social-link{
  width:34px;height:34px;border-radius:8px;
  background:var(--bg-surface);border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  font-size:0.7rem;font-weight:700;color:var(--text-muted);
  transition:all var(--transition);
}
.social-link:hover{background:var(--primary);color:#fff;border-color:var(--primary);transform:translateY(-2px);box-shadow:0 4px 12px rgba(26,86,219,0.3)}

/* Footer Bottom */
.footer-bottom{border-top:1px solid var(--border);padding:16px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px}
.footer-bottom p{font-size:0.75rem;color:var(--text-muted)}
.footer-bottom .footer-legal{display:flex;gap:16px}
.footer-bottom .footer-legal a{font-size:0.75rem;color:var(--text-muted)}
.footer-bottom .footer-legal a:hover{color:var(--primary)}

/* ══════════════════════════════
   CONTENT PAGES
   ══════════════════════════════ */
.content-page{padding-top:calc(var(--nav-height) + 40px);padding-bottom:64px}
.page-hero{text-align:center;margin-bottom:40px}
.page-hero h1{margin-bottom:8px}
.page-hero p{color:var(--text-muted);font-size:0.92rem}
.page-content{max-width:760px;margin:0 auto;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px 20px;box-shadow:var(--shadow-sm)}
@media(min-width:640px){.page-content{padding:36px 40px}}
.page-content h2{font-size:1.15rem;margin:28px 0 10px;padding-top:20px;border-top:1px solid var(--border)}
.page-content h2:first-child{border-top:none;margin-top:0;padding-top:0}
.page-content h3{font-size:0.95rem;margin:20px 0 8px}
.page-content p{font-size:0.88rem;margin-bottom:12px}
.page-content ul,.page-content ol{padding-left:20px;margin-bottom:12px}
.page-content li{font-size:0.88rem;color:var(--text-secondary);margin-bottom:6px;list-style:disc;line-height:1.6}
.page-content ol li{list-style:decimal}
.page-content a{color:var(--primary);text-decoration:underline}
.page-content a:hover{color:var(--primary-dark)}
.page-content strong{color:var(--text-primary)}
.page-content .last-updated{font-size:0.78rem;color:var(--text-muted);margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--border)}

/* Contact Grid */
.contact-grid{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:768px){.contact-grid{grid-template-columns:1fr 1fr}}
.contact-info-card{background:var(--bg-surface);border:1px solid var(--border);border-radius:var(--radius);padding:20px}
.contact-info-card h3{font-size:0.95rem;margin-bottom:12px}
.contact-detail{display:flex;align-items:flex-start;gap:10px;margin-bottom:10px;font-size:0.85rem;color:var(--text-secondary)}
.contact-detail strong{color:var(--text-primary)}
.contact-form{display:flex;flex-direction:column;gap:14px}
.contact-form .btn-primary{width:100%;padding:13px}

/* ══════════════════════════════
   TOAST
   ══════════════════════════════ */
.toast{
  position:fixed;top:calc(var(--nav-height) + 12px);right:12px;z-index:200;
  display:flex;align-items:center;gap:8px;
  padding:12px 16px;border-radius:var(--radius);
  background:var(--bg-white);border:1px solid var(--border);
  box-shadow:var(--shadow-xl);
  transform:translateX(120%);transition:var(--transition);
  max-width:360px;
}
.toast.toast-show{transform:translateX(0)}
.toast-error{border-color:rgba(220,38,38,0.3)}
.toast-success{border-color:rgba(5,150,105,0.3)}
.toast-icon{font-size:1rem;flex-shrink:0}
.toast-message{font-size:0.82rem;color:var(--text-primary)}

/* ══════════════════════════════
   ANIMATIONS
   ══════════════════════════════ */
@keyframes fadeInUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes shimmer{0%{background-position:-200% 0}100%{background-position:200% 0}}
.reveal{opacity:0;transform:translateY(20px);transition:opacity 0.5s ease,transform 0.5s ease}
.reveal.visible{opacity:1;transform:translateY(0)}

/* ══════════════════════════════
   SCROLLBAR
   ══════════════════════════════ */
::-webkit-scrollbar{width:6px;height:6px}
::-webkit-scrollbar-track{background:var(--bg-body)}
::-webkit-scrollbar-thumb{background:var(--border);border-radius:3px}
::-webkit-scrollbar-thumb:hover{background:var(--border-hover)}
::selection{background:var(--primary);color:#fff}

/* ══════════════════════════════
   COOKIE CONSENT BANNER
   ══════════════════════════════ */
.cookie-consent{position:fixed;bottom:0;left:0;right:0;background:var(--bg-card);border-top:1px solid var(--border);padding:16px 20px;z-index:9999;display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;font-size:0.82rem;box-shadow:0 -4px 20px rgba(0,0,0,0.08);animation:slideUp 0.4s ease}
@keyframes slideUp{from{transform:translateY(100%)}to{transform:translateY(0)}}
.cookie-consent p{margin:0;color:var(--text-secondary);max-width:700px;text-align:center}
.cookie-consent a{color:var(--primary);text-decoration:underline}
.cookie-consent button{background:var(--primary);color:#fff;padding:8px 24px;border-radius:6px;font-size:0.82rem;font-weight:600;border:none;cursor:pointer;white-space:nowrap;transition:background 0.2s}
.cookie-consent button:hover{background:var(--primary-dark)}
.cookie-consent .cookie-decline{background:transparent;color:var(--text-muted);border:1px solid var(--border);padding:8px 16px}
.cookie-consent.hidden{display:none}

/* ══════════════════════════════
   PRINT
   ══════════════════════════════ */
@media print{
  .site-header,.mobile-nav,.hero-cta,.calc-tabs,.calc-form,.btn-calculate,.faq-section,.site-footer,.theme-toggle,.mobile-menu-btn,.policies-strip,.cookie-consent{display:none!important}
  body{background:#fff!important;color:#000!important}
  .results-panel{opacity:1!important;position:static!important;visibility:visible!important}
}