/* ==========================================================================
   FinCalc Suite Pro — Professional Executive Design System v4.0
   Bloomberg-Grade Light Theme | Navy + Forest Green
   Typography: DM Sans (headings) + Inter (body) + IBM Plex Mono (numbers)
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@300;400;500;600;700;800&family=Inter:wght@300;400;500;600;700&family=IBM+Plex+Mono:wght@400;500;600;700&display=swap');

/* ==========================================================================
   DESIGN TOKEN SYSTEM — PROFESSIONAL EXECUTIVE LIGHT
   ========================================================================== */
:root {
  /* Brand Colors */
  --navy:          #0F4C81;
  --navy-dark:     #0A3460;
  --navy-light:    #1A6BAD;
  --navy-pale:     #EBF3FB;
  --navy-muted:    #DBEAFE;

  --green:         #16A34A;
  --green-dark:    #15803D;
  --green-light:   #22C55E;
  --green-pale:    #F0FDF4;
  --green-muted:   #DCFCE7;

  --gold:          #B45309;
  --gold-light:    #D97706;
  --gold-pale:     #FFFBEB;
  --gold-muted:    #FEF3C7;

  --red:           #DC2626;
  --red-light:     #EF4444;
  --red-pale:      #FEF2F2;

  --purple:        #7C3AED;
  --purple-pale:   #F5F3FF;

  /* Surface & Canvas */
  --bg:            #F8FAFC;
  --surface:       #FFFFFF;
  --surface-alt:   #F1F5F9;
  --surface-raised: #FFFFFF;

  /* Text */
  --text-900:      #0F172A;
  --text-700:      #1E293B;
  --text-500:      #475569;
  --text-400:      #64748B;
  --text-300:      #94A3B8;
  --text-200:      #CBD5E1;
  --text-100:      #E2E8F0;

  /* Borders */
  --border:        #E2E8F0;
  --border-md:     #CBD5E1;
  --border-focus:  #0F4C81;

  /* Shadows */
  --shadow-xs:  0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-sm:  0 1px 3px rgba(15, 23, 42, 0.08), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md:  0 4px 6px rgba(15, 23, 42, 0.06), 0 2px 4px rgba(15, 23, 42, 0.04);
  --shadow-lg:  0 10px 15px rgba(15, 23, 42, 0.08), 0 4px 6px rgba(15, 23, 42, 0.05);
  --shadow-xl:  0 20px 25px rgba(15, 23, 42, 0.09), 0 8px 10px rgba(15, 23, 42, 0.04);
  --shadow-nav: 0 1px 0 rgba(0,0,0,0.08), 0 4px 12px rgba(0,0,0,0.06);

  /* Radius */
  --r-xs:   4px;
  --r-sm:   6px;
  --r-md:   10px;
  --r-lg:   14px;
  --r-xl:   20px;
  --r-pill: 9999px;

  /* Spacing */
  --content-max: 1320px;
  --content-pad: 24px;
}

/* ==========================================================================
   GLOBAL RESETS
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

/* Zero-space AdSense Collapse when Disabled */
html.adsense-disabled [data-adsense-slot],
html.adsense-disabled .adsense-slot-wrapper,
html.adsense-disabled .adsense-demo-banner,
html.adsense-disabled #adsense-sticky-footer-wrap,
html.adsense-disabled ins.adsbygoogle,
[data-adsense-disabled="true"] {
  display: none !important;
  margin: 0 !important;
  padding: 0 !important;
  height: 0 !important;
  min-height: 0 !important;
  max-height: 0 !important;
  border: none !important;
  opacity: 0 !important;
  visibility: hidden !important;
  pointer-events: none !important;
  overflow: hidden !important;
}

body {
  background: var(--bg);
  color: var(--text-700);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 15px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* ==========================================================================
   TYPOGRAPHY HIERARCHY
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: 'DM Sans', 'Inter', sans-serif;
  font-weight: 700;
  color: var(--text-900);
  line-height: 1.2;
  letter-spacing: -0.02em;
}

p { color: var(--text-500); line-height: 1.7; }

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-dark); }

strong { color: var(--text-700); font-weight: 600; }
code {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.875em;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  padding: 1px 6px;
  border-radius: var(--r-xs);
  color: var(--navy);
}

/* ==========================================================================
   TOP ANNOUNCEMENT BAR
   ========================================================================== */
.announcement-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.85);
  text-align: center;
  padding: 7px 20px;
  font-family: 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.1px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.announcement-bar strong { color: #93C5FD; }
.announcement-bar a {
  color: #6EE7B7;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ==========================================================================
   LIVE MARKET TICKER
   ========================================================================== */
.ticker-bar {
  background: var(--navy);
  padding: 7px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.74rem;
  color: rgba(255,255,255,0.75);
  overflow: hidden;
}

.ticker-label {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.5);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 8px;
}

.live-dot {
  width: 6px;
  height: 6px;
  background: #4ADE80;
  border-radius: 50%;
  animation: pulseLive 2s ease-in-out infinite;
  box-shadow: 0 0 6px rgba(74, 222, 128, 0.6);
}
@keyframes pulseLive {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.8); }
}

.ticker-items {
  display: flex;
  align-items: center;
  gap: 28px;
  flex: 1;
  justify-content: flex-end;
  overflow-x: auto;
  scrollbar-width: none;
}
.ticker-items::-webkit-scrollbar { display: none; }

.ticker-item {
  display: flex;
  align-items: center;
  gap: 5px;
  white-space: nowrap;
}
.ticker-item .t-name {
  color: rgba(255,255,255,0.45);
  font-size: 0.7rem;
}
.ticker-item .t-val {
  font-weight: 600;
  color: rgba(255,255,255,0.95);
  font-size: 0.78rem;
}
.ticker-item .t-up { color: #4ADE80; font-size: 0.68rem; }
.ticker-item .t-dn { color: #F87171; font-size: 0.68rem; }

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */
header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-nav);
}

.nav-wrapper {
  max-width: var(--content-max);
  margin: 0 auto;
  padding: 0 var(--content-pad);
  display: flex;
  align-items: center;
  height: 62px;
  gap: 0;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
  margin-right: 32px;
}

.nav-logo-img {
  height: 32px;
  width: auto;
  object-fit: contain;
}

.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-name {
  font-family: 'DM Sans', sans-serif;
  font-weight: 800;
  font-size: 0.92rem;
  color: var(--navy-dark);
  letter-spacing: -0.3px;
}
.nav-logo-tagline {
  font-family: 'Inter', sans-serif;
  font-size: 0.62rem;
  font-weight: 500;
  color: var(--text-300);
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

/* Nav Items Container */
.nav-items {
  display: flex;
  align-items: center;
  flex: 1;
  gap: 0;
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-500);
  text-decoration: none;
  border-radius: var(--r-sm);
  transition: color 0.18s, background 0.18s;
  white-space: nowrap;
  cursor: pointer;
  background: none;
  border: none;
  letter-spacing: -0.1px;
}
.nav-link svg {
  width: 14px;
  height: 14px;
  stroke: currentColor;
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.nav-link:hover, .nav-link.active {
  color: var(--navy);
  background: var(--navy-pale);
}
.nav-item.open > .nav-link { color: var(--navy); background: var(--navy-pale); }
.nav-item.open > .nav-link svg { transform: rotate(180deg); }

/* MEGA MENU PANEL */
.mega-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 680px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xl);
  padding: 20px;
  display: none;
  gap: 0;
  z-index: 300;
  animation: megaIn 0.18s ease;
}
@keyframes megaIn {
  from { opacity: 0; transform: translateX(-50%) translateY(-8px); }
  to   { opacity: 1; transform: translateX(-50%) translateY(0); }
}
.nav-item:hover .mega-menu,
.nav-item.open .mega-menu {
  display: flex;
}

.mega-menu-inner {
  display: grid;
  gap: 8px;
  flex: 1;
}

.mega-col-header {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-300);
  padding: 4px 10px;
  margin-bottom: 4px;
}

.mega-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 12px;
  border-radius: var(--r-md);
  text-decoration: none;
  transition: all 0.16s ease;
  cursor: pointer;
}
.mega-item:hover { background: var(--navy-pale); }
.mega-item:hover .mega-item-title { color: var(--navy); }
.mega-item-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1rem;
}
.mega-item-body { flex: 1; }
.mega-item-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-700);
  display: block;
  margin-bottom: 2px;
  transition: color 0.16s;
}
.mega-item-desc {
  font-size: 0.76rem;
  color: var(--text-400);
  display: block;
  line-height: 1.4;
}

.mega-divider {
  width: 1px;
  background: var(--border);
  margin: 0 16px;
  align-self: stretch;
  flex-shrink: 0;
}

/* Mega menu featured section */
.mega-featured {
  width: 220px;
  flex-shrink: 0;
  background: var(--navy-pale);
  border-radius: var(--r-md);
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.mega-featured-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.mega-featured-stat {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 10px;
  background: white;
  border-radius: var(--r-sm);
  border: 1px solid var(--border);
}
.mega-featured-stat-label { font-size: 0.7rem; color: var(--text-400); font-weight: 500; }
.mega-featured-stat-val {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy-dark);
}
.mega-featured-stat-val.up { color: var(--green); }
.mega-featured-stat-val.dn { color: var(--red); }

/* Nav right side */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-left: auto;
  flex-shrink: 0;
}

.nav-region-wrap {
  display: flex;
  align-items: center;
  gap: 6px;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 5px 10px;
  background: var(--surface-alt);
  transition: border-color 0.18s;
}
.nav-region-wrap:focus-within { border-color: var(--navy); }
.nav-region-wrap svg { width: 14px; height: 14px; color: var(--text-400); }
.nav-region-select {
  background: transparent;
  border: none;
  color: var(--text-700);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.84rem;
  font-weight: 600;
  outline: none;
  cursor: pointer;
}

.nav-cta {
  background: var(--navy);
  color: white;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.84rem;
  font-weight: 700;
  padding: 7px 18px;
  border-radius: var(--r-sm);
  border: none;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all 0.18s ease;
  letter-spacing: -0.1px;
}
.nav-cta:hover { background: var(--navy-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); color: white; }

/* Mobile Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 4.5px;
  cursor: pointer;
  padding: 8px;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  background: var(--surface-alt);
  transition: all 0.18s;
}
.nav-hamburger span {
  display: block;
  width: 20px;
  height: 1.5px;
  background: var(--text-500);
  border-radius: 2px;
  transition: all 0.26s ease;
}
.nav-hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(4.5px, 4.5px); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(4.5px, -4.5px); }

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: min(340px, 88vw);
  height: 100vh;
  background: var(--surface);
  border-left: 1px solid var(--border);
  box-shadow: var(--shadow-xl);
  z-index: 1000;
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  transition: right 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  padding: 0 0 32px 0;
}
.mobile-drawer.open { right: 0; }

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  background: var(--navy);
}
.drawer-close {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: white;
  width: 32px;
  height: 32px;
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.1rem;
  transition: background 0.18s;
}
.drawer-close:hover { background: rgba(255,255,255,0.18); }
.drawer-logo-text {
  font-family: 'DM Sans', sans-serif;
  font-weight: 800;
  font-size: 1rem;
  color: white;
}

.drawer-section-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-300);
  padding: 16px 20px 6px 20px;
}

.drawer-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 20px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-500);
  text-decoration: none;
  transition: all 0.16s;
  border-left: 3px solid transparent;
}
.drawer-link:hover, .drawer-link.active {
  color: var(--navy);
  background: var(--navy-pale);
  border-left-color: var(--navy);
}
.drawer-link .dl-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.45);
  z-index: 999;
  display: none;
  backdrop-filter: blur(2px);
}
.drawer-overlay.open { display: block; }

/* ==========================================================================
   MAIN CONTENT WRAPPER
   ========================================================================== */
.main-wrapper {
  max-width: var(--content-max);
  width: 100%;
  margin: 0 auto;
  padding: 32px var(--content-pad) 64px;
  flex: 1;
}

/* ==========================================================================
   PAGE HERO — COMPACT (Calculator Pages)
   ========================================================================== */
.page-hero {
  background: var(--surface);
  border: 1px solid var(--border);
  border-top: 3px solid var(--navy);
  border-radius: var(--r-lg);
  padding: 24px 28px;
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 20px;
  box-shadow: var(--shadow-sm);
  flex-wrap: wrap;
}

.page-hero-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
  background: var(--navy-pale);
  border: 1px solid var(--navy-muted);
}

.page-hero-content { flex: 1; min-width: 220px; }

.page-hero-eyebrow {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--navy);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.page-hero-eyebrow::before {
  content: '';
  width: 16px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  display: inline-block;
}

.page-hero h1 {
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--text-900);
  margin-bottom: 6px;
  line-height: 1.2;
  letter-spacing: -0.5px;
}

.page-hero p {
  font-size: 0.9rem;
  color: var(--text-400);
  margin: 0;
  line-height: 1.6;
}

/* ==========================================================================
   SITE HERO (Index Page)
   ========================================================================== */
.site-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1A5F9E 100%);
  border-radius: var(--r-xl);
  padding: 52px 48px;
  margin-bottom: 40px;
  position: relative;
  overflow: hidden;
}
.site-hero::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  pointer-events: none;
}
.site-hero::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: 30%;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: rgba(255,255,255,0.03);
  pointer-events: none;
}

.site-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.18);
  color: #93C5FD;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--r-pill);
  margin-bottom: 18px;
}

.site-hero h1 {
  color: white;
  font-size: 2.6rem;
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -1px;
  margin-bottom: 16px;
  max-width: 600px;
}
.site-hero h1 span {
  color: #6EE7B7;
}

.site-hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 520px;
  margin-bottom: 28px;
}

.site-hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* ==========================================================================
   TRUST STATS BAR
   ========================================================================== */
.trust-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  padding: 18px 24px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  margin-bottom: 40px;
  box-shadow: var(--shadow-xs);
  flex-wrap: wrap;
}
.trust-stat {
  text-align: center;
  flex: 1;
  min-width: 120px;
}
.trust-stat-val {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
  display: block;
  letter-spacing: -0.5px;
}
.trust-stat-label {
  font-size: 0.76rem;
  color: var(--text-400);
  font-weight: 500;
  display: block;
  margin-top: 2px;
}
.trust-divider {
  width: 1px;
  height: 36px;
  background: var(--border);
  flex-shrink: 0;
}

/* ==========================================================================
   CARDS
   ========================================================================== */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
  transition: box-shadow 0.22s ease, border-color 0.22s ease, transform 0.22s ease;
}
.card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--border-md);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}

.calc-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.calc-card-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-900);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 8px;
}

/* Suite Tile Card (for index page grid) */
.suite-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 22px;
  transition: all 0.22s ease;
  box-shadow: var(--shadow-xs);
  display: flex;
  flex-direction: column;
  gap: 10px;
  position: relative;
  overflow: hidden;
}
.suite-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--navy-muted);
  transform: translateY(-3px);
}
.suite-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--navy);
  transform: scaleX(0);
  transition: transform 0.22s ease;
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.suite-card:hover::before { transform: scaleX(1); }

.suite-card-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--r-sm);
  background: var(--navy-pale);
  border: 1px solid var(--navy-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: transform 0.2s ease;
}
.suite-card:hover .suite-card-icon { transform: scale(1.06) rotate(-3deg); }

.suite-card-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.96rem;
  font-weight: 700;
  color: var(--text-900);
  line-height: 1.3;
}
.suite-card-desc {
  font-size: 0.84rem;
  color: var(--text-400);
  line-height: 1.6;
  flex: 1;
}
.suite-card-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  transition: gap 0.18s;
  margin-top: auto;
}
.suite-card:hover .suite-card-link { gap: 8px; }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: -0.1px;
  padding: 10px 22px;
  border-radius: var(--r-sm);
  border: none;
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--navy);
  color: white;
  box-shadow: 0 1px 2px rgba(15,76,129,0.3);
}
.btn-primary:hover {
  background: var(--navy-dark);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
  color: white;
}

.btn-green {
  background: var(--green);
  color: white;
  box-shadow: 0 1px 2px rgba(22,163,74,0.3);
}
.btn-green:hover {
  background: var(--green-dark);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
  color: white;
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--navy);
}
.btn-outline:hover {
  background: var(--navy-pale);
  transform: translateY(-1px);
}

.btn-ghost {
  background: var(--surface-alt);
  color: var(--text-500);
  border: 1px solid var(--border);
}
.btn-ghost:hover {
  background: var(--border);
  color: var(--text-700);
}

.btn-sm { padding: 7px 14px; font-size: 0.82rem; }
.btn-lg { padding: 13px 28px; font-size: 0.96rem; }

/* ==========================================================================
   FORM CONTROLS
   ========================================================================== */
.form-group { margin-bottom: 20px; }

.form-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-family: 'Inter', sans-serif;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-500);
  margin-bottom: 7px;
}

.form-val-tag {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  background: var(--navy-pale);
  border: 1px solid var(--navy-muted);
  padding: 2px 10px;
  border-radius: var(--r-pill);
}

.input {
  width: 100%;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  padding: 10px 14px;
  font-family: 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-900);
  outline: none;
  transition: border-color 0.18s, box-shadow 0.18s;
  appearance: none;
  -webkit-appearance: none;
}
.input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(15, 76, 129, 0.1);
}
.input:hover:not(:focus) { border-color: var(--border-md); }
.input::placeholder { color: var(--text-300); }
.input:read-only { background: var(--surface-alt); color: var(--text-400); cursor: not-allowed; }

select.input {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2394A3B8' stroke-width='2'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' d='M19 9l-7 7-7-7'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 15px;
  padding-right: 36px;
  cursor: pointer;
}

/* Range Slider */
.slider {
  width: 100%;
  height: 5px;
  border-radius: var(--r-pill);
  background: var(--border);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  border: none;
  margin: 4px 0;
}
.slider::-webkit-slider-track {
  height: 5px;
  border-radius: var(--r-pill);
  background: var(--border);
}
.slider::-webkit-slider-thumb {
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--navy);
  border: 2.5px solid white;
  box-shadow: 0 0 0 1px var(--border), var(--shadow-sm);
  cursor: pointer;
  transition: box-shadow 0.18s, transform 0.18s;
}
.slider::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 4px var(--navy-pale), 0 0 0 1px var(--border);
  transform: scale(1.1);
}
.slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--navy);
  border: 2.5px solid white;
  box-shadow: 0 0 0 1px var(--border), var(--shadow-sm);
  cursor: pointer;
}

/* Toggle Pills (FD/RD type) */
.toggle-group {
  display: flex;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 4px;
  gap: 3px;
}
.toggle-pill {
  flex: 1;
  text-align: center;
  padding: 8px 16px;
  border-radius: var(--r-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.18s;
  color: var(--text-400);
  border: none;
  background: transparent;
}
.toggle-pill.active {
  background: var(--navy);
  color: white;
  box-shadow: var(--shadow-sm);
}

/* Filter Tabs */
.filter-tabs {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}
.filter-tab {
  background: var(--surface);
  border: 1.5px solid var(--border);
  color: var(--text-500);
  padding: 7px 16px;
  border-radius: var(--r-pill);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.83rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.18s;
  white-space: nowrap;
}
.filter-tab:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--navy-pale);
}
.filter-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: white;
}

/* ==========================================================================
   RESULTS SECTION
   ========================================================================== */
.result-summary {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  border-radius: var(--r-lg);
  padding: 22px 24px;
  margin-bottom: 20px;
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.result-summary::before {
  content: '';
  position: absolute;
  top: -30px; right: -30px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
  pointer-events: none;
}
.result-summary-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: rgba(255,255,255,0.6);
  margin-bottom: 6px;
}
.result-summary-val {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 2rem;
  font-weight: 700;
  color: white;
  letter-spacing: -0.5px;
}
.result-summary-val.green { color: #4ADE80; }
.result-summary-val.gold { color: #FCD34D; }

.result-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 11px 0;
  border-bottom: 1px solid var(--border);
  gap: 12px;
  font-size: 0.88rem;
}
.result-row:last-child { border-bottom: none; }
.result-row-label { color: var(--text-400); font-weight: 500; }
.result-row-val {
  font-family: 'IBM Plex Mono', monospace;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--text-900);
}
.result-row-val.green { color: var(--green); }
.result-row-val.red { color: var(--red); }
.result-row-val.blue { color: var(--navy); }
.result-row-val.gold { color: var(--gold); }

/* Progress Bar */
.progress-track {
  background: var(--surface-alt);
  border-radius: var(--r-pill);
  height: 7px;
  margin: 14px 0;
  overflow: hidden;
  border: 1px solid var(--border);
}
.progress-fill {
  height: 100%;
  border-radius: var(--r-pill);
  background: linear-gradient(90deg, var(--navy), var(--navy-light));
  width: 0%;
  transition: width 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}
.progress-fill.green { background: linear-gradient(90deg, var(--green-dark), var(--green)); }
.progress-fill.gold  { background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.progress-fill.red   { background: linear-gradient(90deg, var(--red), var(--red-light)); }

/* ==========================================================================
   SVG DONUT CHARTS
   ========================================================================== */
.donut-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 16px 0;
}
.donut-legend {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 10px;
}
.donut-legend-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-500);
  font-family: 'Inter', sans-serif;
}
.donut-legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 3px;
  flex-shrink: 0;
}

/* ==========================================================================
   COMPARISON BARS (Tax / CI)
   ========================================================================== */
.bar-compare-item {
  margin-bottom: 14px;
}
.bar-compare-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--text-500);
  margin-bottom: 6px;
  font-family: 'Inter', sans-serif;
}
.bar-compare-header .val {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-700);
}
.bar-compare-track {
  height: 9px;
  background: var(--surface-alt);
  border-radius: var(--r-pill);
  overflow: hidden;
  border: 1px solid var(--border);
}
.bar-compare-fill {
  height: 100%;
  border-radius: var(--r-pill);
  transition: width 0.65s cubic-bezier(0.4,0,0.2,1);
}
.bar-compare-fill.navy  { background: linear-gradient(90deg, var(--navy), var(--navy-light)); }
.bar-compare-fill.green { background: linear-gradient(90deg, var(--green-dark), var(--green)); }
.bar-compare-fill.gold  { background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.bar-compare-fill.red   { background: linear-gradient(90deg, var(--red), var(--red-light)); }

/* ==========================================================================
   STATUS BADGES
   ========================================================================== */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  border-radius: var(--r-pill);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.2px;
  border: 1px solid;
}
.badge-green  { background: var(--green-pale); border-color: rgba(22,163,74,0.25); color: var(--green-dark); }
.badge-navy   { background: var(--navy-pale); border-color: rgba(15,76,129,0.2); color: var(--navy); }
.badge-gold   { background: var(--gold-pale); border-color: rgba(180,83,9,0.2); color: var(--gold); }
.badge-red    { background: var(--red-pale); border-color: rgba(220,38,38,0.2); color: var(--red); }
.badge-purple { background: var(--purple-pale); border-color: rgba(124,58,237,0.2); color: var(--purple); }
.badge-gray   { background: var(--surface-alt); border-color: var(--border); color: var(--text-400); }

/* Risk Badges */
.risk-badge {
  display: inline-flex;
  align-items: center;
  padding: 3px 10px;
  border-radius: var(--r-pill);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  white-space: nowrap;
  border: 1px solid;
}
.risk-badge.very-high { background: var(--red-pale);    border-color: rgba(220,38,38,0.22);   color: var(--red); }
.risk-badge.high      { background: var(--gold-pale);   border-color: rgba(180,83,9,0.22);    color: var(--gold); }
.risk-badge.moderate  { background: var(--navy-pale);   border-color: rgba(15,76,129,0.22);   color: var(--navy); }
.risk-badge.low       { background: var(--green-pale);  border-color: rgba(22,163,74,0.22);   color: var(--green); }

/* ==========================================================================
   INFO / CALLOUT BOXES
   ========================================================================== */
.info-box {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px 16px;
  border-radius: var(--r-md);
  margin-top: 20px;
  font-size: 0.83rem;
  line-height: 1.65;
  border: 1px solid;
}
.info-box-icon {
  flex-shrink: 0;
  font-size: 1rem;
  margin-top: 1px;
}
.info-box.sebi {
  background: var(--gold-pale);
  border-color: rgba(180,83,9,0.2);
  color: #78350F;
}
.info-box.tip {
  background: var(--navy-pale);
  border-color: rgba(15,76,129,0.15);
  color: var(--navy-dark);
}
.info-box.success {
  background: var(--green-pale);
  border-color: rgba(22,163,74,0.2);
  color: var(--green-dark);
}

/* ==========================================================================
   AMORTIZATION TABLE
   ========================================================================== */
.data-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  margin-top: 20px;
}
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.84rem;
  min-width: 520px;
}
.data-table thead tr { border-bottom: 2px solid var(--border-md); }
.data-table th {
  padding: 11px 14px;
  background: var(--surface-alt);
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-400);
  text-align: right;
  white-space: nowrap;
}
.data-table th:first-child { text-align: left; }
.data-table td {
  padding: 10px 14px;
  border-bottom: 1px solid var(--border);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.82rem;
  color: var(--text-500);
  text-align: right;
}
.data-table td:first-child {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  color: var(--text-700);
  text-align: left;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tbody tr:hover td { background: var(--navy-pale); }
.data-table tbody tr:nth-child(even) td { background: rgba(0,0,0,0.01); }

/* ==========================================================================
   SEARCH INPUT
   ========================================================================== */
.search-wrap {
  position: relative;
  margin-bottom: 24px;
}
.search-wrap svg {
  position: absolute;
  left: 13px;
  top: 50%;
  transform: translateY(-50%);
  width: 17px;
  height: 17px;
  color: var(--text-300);
  pointer-events: none;
}
.search-input {
  width: 100%;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  padding: 11px 14px 11px 40px;
  font-family: 'Inter', sans-serif;
  font-size: 0.92rem;
  color: var(--text-900);
  outline: none;
  transition: border-color 0.18s, box-shadow 0.18s;
}
.search-input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(15, 76, 129, 0.1);
}
.search-input::placeholder { color: var(--text-300); }

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--r-md);
  margin-bottom: 8px;
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.open, .faq-item:hover { border-color: var(--navy-muted); }
.faq-item.open { border-color: var(--navy); }

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 16px 18px;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.96rem;
  font-weight: 700;
  color: var(--text-700);
  background: var(--surface);
  transition: background 0.18s, color 0.18s;
  user-select: none;
}
.faq-question:hover { background: var(--navy-pale); color: var(--navy); }
.faq-item.open .faq-question { color: var(--navy); background: var(--navy-pale); }

.faq-chevron {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: var(--text-300);
  transition: transform 0.28s ease;
}
.faq-item.open .faq-chevron { transform: rotate(180deg); color: var(--navy); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.38s cubic-bezier(0.4, 0, 0.2, 1), padding 0.3s ease;
  background: var(--surface);
  padding: 0 18px;
}
.faq-item.open .faq-answer {
  max-height: 800px;
  padding: 0 18px 18px;
}
.faq-answer p, .faq-answer li {
  font-size: 0.88rem;
  color: var(--text-500);
  line-height: 1.75;
}
.faq-answer ul { padding-left: 20px; margin-top: 8px; }
.faq-answer a { color: var(--navy); font-weight: 600; }

/* ==========================================================================
   NEWS CARDS
   ========================================================================== */
.news-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: all 0.22s;
  box-shadow: var(--shadow-xs);
  border-top: 3px solid transparent;
}
.news-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--border-md);
  border-top-color: var(--navy);
  transform: translateY(-3px);
}
.news-meta { display: flex; justify-content: space-between; align-items: center; gap: 8px; flex-wrap: wrap; }
.news-source { font-size: 0.73rem; font-weight: 700; color: var(--navy); font-family: 'DM Sans', sans-serif; background: var(--navy-pale); border: 1px solid var(--navy-muted); padding: 2px 10px; border-radius: var(--r-pill); }
.news-date { font-size: 0.73rem; color: var(--text-300); font-family: 'IBM Plex Mono', monospace; }
.news-title { font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 700; color: var(--text-900); line-height: 1.4; }
.news-desc { font-size: 0.85rem; color: var(--text-400); line-height: 1.65; flex: 1; }
.news-footer { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; margin-top: 4px; }
.news-tag { font-size: 0.73rem; font-weight: 700; color: var(--green-dark); background: var(--green-pale); border: 1px solid rgba(22,163,74,0.2); border-radius: var(--r-pill); padding: 2px 10px; font-family: 'DM Sans', sans-serif; }

/* ==========================================================================
   MARKET RATE CARDS
   ========================================================================== */
.rate-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 20px;
  box-shadow: var(--shadow-xs);
  transition: all 0.22s;
}
.rate-card:hover { box-shadow: var(--shadow-md); border-color: var(--border-md); transform: translateY(-2px); }
.rate-card-label { font-size: 0.82rem; color: var(--text-400); font-weight: 600; margin-bottom: 8px; font-family: 'Inter', sans-serif; }
.rate-card-val {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: -0.5px;
  margin: 4px 0;
}
.rate-card-sub { font-size: 0.75rem; color: var(--text-300); margin-top: 4px; font-family: 'Inter', sans-serif; }

/* ==========================================================================
   SECTION HEADINGS
   ========================================================================== */
.section-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 8px;
}
.section-label::before {
  content: '';
  width: 20px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
}

.section-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--text-900);
  letter-spacing: -0.5px;
  margin-bottom: 8px;
}
.section-subtitle {
  color: var(--text-400);
  font-size: 0.9rem;
  line-height: 1.65;
  margin-bottom: 24px;
}

/* Suite Category Header */
.suite-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.suite-header-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--r-md);
  background: var(--navy-pale);
  border: 1px solid var(--navy-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.suite-header-body {}
.suite-header-num {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--text-300);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 2px;
}
.suite-header-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-900);
  letter-spacing: -0.3px;
}
.suite-header-desc {
  font-size: 0.84rem;
  color: var(--text-400);
}

/* ==========================================================================
   CONTENT SECTIONS (AdSense Content Fix)
   ========================================================================== */
.content-section {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px;
  margin-top: 32px;
  box-shadow: var(--shadow-xs);
}

.content-section h2 {
  font-size: 1.35rem;
  font-weight: 800;
  margin-bottom: 14px;
  color: var(--text-900);
  letter-spacing: -0.3px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}
.content-section h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin: 20px 0 8px;
  color: var(--navy);
}
.content-section p {
  font-size: 0.92rem;
  color: var(--text-500);
  line-height: 1.8;
  margin-bottom: 14px;
}
.content-section ul, .content-section ol {
  padding-left: 22px;
  margin-bottom: 14px;
}
.content-section li {
  font-size: 0.92rem;
  color: var(--text-500);
  line-height: 1.8;
  margin-bottom: 5px;
}
.content-section li::marker { color: var(--navy); }
.content-section a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.content-section strong { color: var(--text-700); }

/* Tips Grid */
.tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 14px;
  margin-top: 16px;
}
.tip-card {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-left: 3px solid var(--navy);
  border-radius: var(--r-md);
  padding: 14px 16px;
}
.tip-card-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}
.tip-card-body {
  font-size: 0.83rem;
  color: var(--text-500);
  line-height: 1.65;
}

/* Related Calculators */
.related-calcs {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 16px;
}
.related-calc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  padding: 8px 14px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-500);
  text-decoration: none;
  transition: all 0.18s;
}
.related-calc-link:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--navy-pale);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 52px 24px 24px;
  margin-top: auto;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.footer-grid {
  max-width: var(--content-max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand {}
.footer-brand-name {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: white;
  margin-bottom: 10px;
}
.footer-brand-desc {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.75;
  margin-bottom: 18px;
}
.footer-trust-badges {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.footer-trust-badge {
  font-size: 0.75rem;
  color: #93C5FD;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-col h5 {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 14px;
}
.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer-links a {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: color 0.18s;
  display: inline-block;
}
.footer-links a:hover { color: white; }

.footer-bottom {
  max-width: var(--content-max);
  margin: 0 auto;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.77rem;
  color: rgba(255,255,255,0.35);
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom a { color: rgba(255,255,255,0.5); text-decoration: underline; text-underline-offset: 2px; }
.footer-bottom a:hover { color: white; }

/* ==========================================================================
   GRID LAYOUTS
   ========================================================================== */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.grid-auto-sm { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }

/* ==========================================================================
   RESPONSIVE BREAKPOINTS
   ========================================================================== */
@media (max-width: 1024px) {
  .calc-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-items { display: none; }
  .nav-hamburger { display: flex; }
  .nav-region-wrap { display: none; }
  .nav-cta { display: none; }
  .nav-logo-tagline { display: none; }

  .site-hero { padding: 32px 24px; }
  .site-hero h1 { font-size: 1.8rem; }
  .trust-bar { gap: 16px; }
  .trust-divider { display: none; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .main-wrapper { padding: 20px 16px 48px; }
  .calc-card { padding: 20px; }
  .content-section { padding: 22px 18px; }
  .mega-menu { display: none !important; }
}

@media (max-width: 480px) {
  .site-hero { border-radius: var(--r-lg); }
  .site-hero h1 { font-size: 1.5rem; }
  .result-summary-val { font-size: 1.55rem; }
  .section-title { font-size: 1.25rem; }
}

/* ==========================================================================
   UTILITY CLASSES
   ========================================================================== */
.text-center { text-align: center; }
.text-right  { text-align: right; }
.w-full      { width: 100%; }
.mb-0        { margin-bottom: 0 !important; }
.mt-8        { margin-top: 32px; }
.mt-4        { margin-top: 16px; }
.flex        { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-2       { gap: 8px; }
.gap-3       { gap: 12px; }
.gap-4       { gap: 16px; }
.d-none      { display: none !important; }

/* Smooth transitions */
*, *::before, *::after {
  transition-property: background-color, border-color, color, box-shadow, opacity;
  transition-duration: 0.15s;
  transition-timing-function: ease;
}
input[type="range"], .progress-fill, .bar-compare-fill, .faq-answer, .mobile-drawer, .mega-menu {
  transition-property: initial;
}

/* ==========================================================================
   DOWNLOAD APP & GOOGLE PLAY PROMOTIONS
   ========================================================================== */
.nav-download-app {
  background: #10B981;
  background: linear-gradient(135deg, #059669 0%, #10B981 100%);
  color: white !important;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 7px 14px;
  border-radius: var(--r-sm);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  text-decoration: none;
  box-shadow: 0 2px 4px rgba(5, 150, 105, 0.25);
  transition: all 0.2s ease;
  white-space: nowrap;
}
.nav-download-app:hover {
  background: linear-gradient(135deg, #047857 0%, #059669 100%);
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(5, 150, 105, 0.35);
  color: white !important;
}
.nav-download-app svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

/* Mobile App Banner in Drawer & Footer */
.app-promo-card {
  background: linear-gradient(135deg, #0B2545 0%, #134074 100%);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--r-md);
  padding: 16px 18px;
  color: white;
  margin: 16px 0;
  box-shadow: 0 4px 12px rgba(11, 37, 69, 0.2);
}
.app-promo-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.app-promo-icon {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: white;
  padding: 3px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.app-promo-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  line-height: 1.2;
}
.app-promo-sub {
  font-size: 0.72rem;
  color: #93C5FD;
}
.app-play-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #10B981;
  color: white !important;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.84rem;
  font-weight: 700;
  padding: 9px 16px;
  border-radius: var(--r-sm);
  text-decoration: none;
  width: 100%;
  box-sizing: border-box;
  box-shadow: 0 2px 5px rgba(0,0,0,0.2);
  transition: all 0.18s ease;
}
.app-play-btn:hover {
  background: #059669;
  transform: translateY(-1px);
}

/* ==========================================================================
   SCHEDULE TABLE, VIEW SWITCHER & EXPORT CONTROLS
   ========================================================================== */
.schedule-section-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
  margin-top: 24px;
  box-shadow: var(--shadow-sm);
}

.schedule-header-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 16px;
}

.schedule-title-area {
  display: flex;
  align-items: center;
  gap: 10px;
}
.schedule-title-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--r-sm);
  background: var(--navy-pale);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}
.schedule-title-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text-900);
}
.schedule-subtitle-text {
  font-size: 0.76rem;
  color: var(--text-400);
}

.schedule-actions-row {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

/* View Toggle (Monthly vs. Yearly) */
.schedule-tabs {
  display: inline-flex;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: var(--r-pill);
  padding: 3px;
  gap: 2px;
}
.schedule-tab {
  border: none;
  background: transparent;
  padding: 6px 14px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-400);
  border-radius: var(--r-pill);
  cursor: pointer;
  transition: all 0.18s;
  white-space: nowrap;
}
.schedule-tab.active {
  background: var(--navy);
  color: white;
  box-shadow: 0 1px 3px rgba(15, 76, 129, 0.25);
}

/* Export Buttons */
.export-btn-group {
  display: flex;
  align-items: center;
  gap: 8px;
}
.btn-export {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 13px;
  border-radius: var(--r-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all 0.18s;
  white-space: nowrap;
}
.btn-export-pdf {
  background: var(--red-pale);
  border-color: rgba(220,38,38,0.25);
  color: #B91C1C;
}
.btn-export-pdf:hover {
  background: #DC2626;
  color: white;
  border-color: #DC2626;
  transform: translateY(-1px);
}
.btn-export-xls {
  background: var(--green-pale);
  border-color: rgba(220,38,38,0.25);
  color: #15803D;
  border-color: rgba(22,163,74,0.25);
}
.btn-export-xls:hover {
  background: #16A34A;
  color: white;
  border-color: #16A34A;
  transform: translateY(-1px);
}

/* Schedule Table Container */
.schedule-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  max-height: 460px;
  overflow-y: auto;
  scrollbar-width: thin;
}
.schedule-table-wrap::-webkit-scrollbar {
  width: 6px;
  height: 6px;
}
.schedule-table-wrap::-webkit-scrollbar-thumb {
  background: var(--border-md);
  border-radius: 4px;
}
.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  min-width: 580px;
}
.schedule-table th {
  position: sticky;
  top: 0;
  z-index: 10;
  background: var(--surface-alt);
  padding: 10px 14px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--text-500);
  border-bottom: 2px solid var(--border-md);
  text-align: right;
  white-space: nowrap;
}
.schedule-table th:first-child { text-align: left; }
.schedule-table td {
  padding: 8px 14px;
  border-bottom: 1px solid var(--border);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.8rem;
  color: var(--text-700);
  text-align: right;
  white-space: nowrap;
}
.schedule-table td:first-child {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  color: var(--text-900);
  text-align: left;
}
.schedule-table tbody tr:hover td {
  background: var(--navy-pale) !important;
}
.schedule-table tbody tr:nth-child(even) td {
  background: rgba(248, 250, 252, 0.7);
}
.schedule-year-header td {
  background: #EBF3FB !important;
  font-family: 'DM Sans', sans-serif !important;
  font-weight: 800 !important;
  color: var(--navy-dark) !important;
  font-size: 0.82rem !important;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 8px 14px !important;
}

/* Search bar inside schedule header */
.schedule-search-box {
  display: flex;
  align-items: center;
  gap: 6px;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 4px 10px;
  font-size: 0.8rem;
}
.schedule-search-box input {
  border: none;
  background: transparent;
  outline: none;
  font-family: 'Inter', sans-serif;
  font-size: 0.8rem;
  color: var(--text-700);
  width: 110px;
}
.schedule-search-box input::placeholder { color: var(--text-300); }

/* Responsive adjustments */
@media (max-width: 768px) {
  .schedule-section-card { padding: 16px; margin-top: 18px; }
  .schedule-header-bar { flex-direction: column; align-items: flex-start; gap: 12px; }
  .schedule-actions-row { width: 100%; justify-content: space-between; gap: 8px; }
  .export-btn-group { width: 100%; display: flex; gap: 8px; }
  .btn-export { flex: 1; justify-content: center; font-size: 0.78rem; padding: 8px 10px; }
  .schedule-tabs { width: 100%; display: flex; }
  .schedule-tab { flex: 1; text-align: center; }
  .schedule-table { min-width: 500px; }
  .schedule-search-box { width: 100%; }
  .schedule-search-box input { width: 100%; }
  .nav-download-app { padding: 6px 10px; font-size: 0.78rem; }
}

/* ==========================================================================
   Google AdSense Master Disable Rules
   When AdSense is disabled, completely collapse and hide all ad slots/blocks
   ========================================================================== */
html.adsense-disabled [data-adsense-slot],
html.adsense-disabled .adsense-slot-wrapper,
html.adsense-disabled .adsense-demo-banner,
html.adsense-disabled #adsense-sticky-footer-wrap,
html.adsense-disabled ins.adsbygoogle,
[data-adsense-disabled="true"],
[data-adsense-slot]:empty {
  display: none !important;
  margin: 0 !important;
  padding: 0 !important;
  height: 0 !important;
  min-height: 0 !important;
  max-height: 0 !important;
  border: none !important;
  opacity: 0 !important;
  visibility: hidden !important;
  pointer-events: none !important;
  overflow: hidden !important;
}