/* ═══════════════════════════════════════
   DESIGN TOKENS (PREMIUM FINTECH)
   ═══════════════════════════════════════ */
:root {
  --bg:          #f8fafc;
  --surface:     #ffffff;
  --surface-2:   #f1f5f9;
  --card:        rgba(255, 255, 255, 0.85);
  --ink:         #0f172a;
  --ink-2:       #334155;
  --muted:       #64748b;
  --divider:     rgba(15, 23, 42, 0.06);
  --accent:      #10b981;
  --accent-soft: #d1fae5;
  --accent-hover:#059669;
  --success:     #10b981;
  --danger:      #ef4444;
  
  --gradient-primary: linear-gradient(135deg, #059669 0%, #10b981 100%);
  --gradient-glow: linear-gradient(135deg, #10b981 0%, #3b82f6 100%);
  
  --ff-sans:     'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --ff-display:  'Outfit', sans-serif;
  
  --radius-sm:   8px;
  --radius:      16px;
  --radius-lg:   24px;
  
  --shadow-sm:   0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow:      0 10px 25px -8px rgba(15, 23, 42, 0.08);
  --shadow-lg:   0 20px 40px -12px rgba(15, 23, 42, 0.1), inset 0 0 0 1px rgba(255, 255, 255, 0.6);
  --shadow-glow: 0 0 40px 0 rgba(16, 185, 129, 0.15), inset 0 0 0 1px rgba(16, 185, 129, 0.25);
  
  --t:           0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* ═══════════════════════════════════════
   AMBIENT & EFFECTS
═══════════════════════════════════════ */
.ambient-bg { position: fixed; top: 0; left: 0; right: 0; bottom: 0; pointer-events: none; overflow: hidden; z-index: -10; background: radial-gradient(circle at 0% 0%, #ffffff 0%, #f8fafc 100%); }
.ambient-blob { position: absolute; border-radius: 50%; filter: blur(80px); opacity: 0.4; animation: ambient-float 20s infinite alternate ease-in-out; }
.blob-1 { top: -10%; right: -5%; width: 500px; height: 500px; background: rgba(16, 185, 129, 0.15); animation-duration: 18s; }
.blob-2 { top: 30%; left: -10%; width: 400px; height: 400px; background: rgba(59, 130, 246, 0.1); animation-delay: -5s; animation-duration: 22s; }
.blob-3 { bottom: -10%; right: 15%; width: 600px; height: 600px; background: rgba(16, 185, 129, 0.08); animation-duration: 25s; }

@keyframes ambient-float {
  0% { transform: translate(0, 0) scale(1); }
  100% { transform: translate(40px, 60px) scale(1.1); }
}

.text-gradient { background: linear-gradient(135deg, #0f172a 30%, #10b981 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }

/* Redundant Reveal Classes Removed To Clear Cache/Conflicting logic */


/* ═══════════════════════════════════════
   RESET
═══════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--ff-sans); -webkit-font-smoothing: antialiased; line-height: 1.6; }
h1,h2,h3,h4,h5,h6,p { margin: 0; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* ═══════════════════════════════════════
   LAYOUT
═══════════════════════════════════════ */
.container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 28px; }
@media (max-width: 768px) { .container { padding: 0 16px; } }

/* ═══════════════════════════════════════
   NAV
═══════════════════════════════════════ */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(252, 253, 253, 0.8); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border-bottom: 1px solid transparent; transition: all var(--t); }
.nav--scrolled { border-bottom-color: var(--divider); box-shadow: 0 4px 6px -1px rgba(0,0,0,0.01); background: rgba(255, 255, 255, 0.9); }
.nav-inner { display: flex; align-items: center; height: 64px; }
.nav-logo { font-size: 17px; font-weight: 700; letter-spacing: -0.025em; color: var(--ink); flex-shrink: 0; }
.nav-logo span { color: var(--accent); }
.footer-logo span { color: var(--accent); }
.nav-links { display: flex; align-items: center; gap: 2px; margin-left: auto; }
.nav-link { padding: 7px 13px; border-radius: 8px; font-size: 14px; font-weight: 500; color: var(--ink-2); transition: background var(--t), color var(--t); }
.nav-link:hover { background: var(--surface); }
.nav-cta { margin-left: 10px; background: var(--ink); color: white; padding: 8px 18px; border-radius: 10px; font-size: 14px; font-weight: 600; transition: all var(--t); }
.nav-cta:hover { background: #1a1a1a; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,0,0,0.15); }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 8px; border-radius: 8px; margin-left: auto; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--ink); border-radius: 1px; }
@media (max-width: 768px) { .nav-links { display: none; } .hamburger { display: flex; } }

/* ═══════════════════════════════════════
   MOBILE MENU
═══════════════════════════════════════ */
.mobile-menu-overlay { position: fixed; inset: 0; z-index: 200; background: var(--bg); display: flex; flex-direction: column; padding: 20px 20px 32px; opacity: 0; pointer-events: none; transform: translateY(-8px); transition: opacity 0.25s ease, transform 0.25s ease; }
.mobile-menu-overlay.open { opacity: 1; pointer-events: all; transform: translateY(0); }
.mobile-menu-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 36px; }
.mobile-menu-close { width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; border-radius: 10px; background: var(--surface); font-size: 18px; color: var(--ink); }
.mobile-menu-links { display: flex; flex-direction: column; }
.mobile-menu-link { padding: 18px 0; font-size: 26px; font-weight: 600; color: var(--ink); letter-spacing: -0.02em; border-bottom: 1px solid var(--divider); display: flex; align-items: center; justify-content: space-between; }
.mobile-menu-link::after { content: '→'; font-size: 18px; color: var(--muted); font-weight: 400; }

/* ═══════════════════════════════════════
   BUTTONS
═══════════════════════════════════════ */
.btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--ink); color: white; padding: 14px 28px; border-radius: 12px; font-size: 15px; font-weight: 600; letter-spacing: -0.01em; cursor: pointer; transition: all var(--t); text-wrap: nowrap; position: relative; overflow: hidden; }
.btn-primary:hover { background: var(--ink-2); transform: translateY(-1px); box-shadow: 0 12px 20px -10px rgba(15, 23, 42, 0.3); }
.btn-primary:active { transform: translateY(1px); }
.btn-arrow { font-size: 16px; transition: transform 0.2s ease; }
.btn-primary:hover .btn-arrow { transform: translateX(3px); }
@media (max-width: 640px) { .btn-primary { width: 100%; justify-content: center; padding: 16px; font-size: 16px; } }

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.hero { padding: 72px 0 56px; }
@media (max-width: 768px) { .hero { padding: 44px 0 40px; } }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: var(--surface); border: 1px solid var(--divider); border-radius: 100px; padding: 6px 14px 6px 10px; font-size: 12px; font-weight: 600; letter-spacing: 0.04em; color: var(--muted); margin-bottom: 24px; }
.hero-eyebrow-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--success); }
.hero-title { font-family: var(--ff-display); font-size: clamp(42px, 6vw, 76px); line-height: 1.05; letter-spacing: -0.025em; color: var(--ink); margin-bottom: 20px; max-width: 700px; }
.hero-sub { font-size: clamp(15px, 2vw, 18px); color: var(--muted); line-height: 1.68; max-width: 520px; margin-bottom: 32px; font-weight: 400; }
.hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.hero-trust-text { font-size: 13px; color: var(--muted); font-weight: 500; }
@media (max-width: 640px) { .hero-actions { flex-direction: column; align-items: stretch; gap: 12px; } .hero-trust-text { text-align: center; } }
.hero-insight { margin-top: 48px; background: var(--surface); border: 1px solid var(--divider); border-radius: var(--radius-lg); padding: 24px 28px; max-width: 640px; }
@media (max-width: 768px) { .hero-insight { margin-top: 36px; padding: 20px; } }
.hero-insight-label { font-size: 11px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--danger); margin-bottom: 10px; }
.hero-insight-text { font-size: 15px; color: var(--ink-2); line-height: 1.6; margin-bottom: 20px; }
.hero-insight-text strong { color: var(--ink); }
.hero-insight-compare { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 16px; }
@media (max-width: 480px) { .hero-insight-compare { grid-template-columns: 1fr; gap: 8px; } .compare-divider { text-align: center; } }
.compare-item { background: rgba(255,255,255,0.6); backdrop-filter: blur(10px); border: 1px solid var(--divider); border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow-sm); transition: transform var(--t), box-shadow var(--t); }
.compare-item:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.compare-item.compare-wrong { border-color: rgba(239,68,68,0.1); background: linear-gradient(180deg, rgba(255,255,255,0.8) 0%, rgba(239,68,68,0.02) 100%); }
.compare-item.compare-right { border-color: rgba(16,185,129,0.25); background: linear-gradient(180deg, rgba(255,255,255,0.8) 0%, rgba(16,185,129,0.05) 100%); box-shadow: 0 8px 20px -6px rgba(16,185,129,0.1); }
.compare-label { display: block; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); margin-bottom: 6px; }
.compare-val { display: block; font-family: var(--ff-display); font-size: 32px; letter-spacing: -0.02em; line-height: 1; margin-bottom: 5px; }
.compare-wrong .compare-val { color: var(--danger); }
.compare-right .compare-val { color: var(--success); }
.compare-val span { font-family: var(--ff-sans); font-size: 15px; font-weight: 500; color: var(--muted); }
.compare-note { font-size: 11px; color: var(--muted); }
.compare-divider { font-size: 13px; font-weight: 600; color: var(--muted); text-align: center; }
.hero-trust { display: flex; align-items: center; gap: 28px; margin-top: 40px; flex-wrap: wrap; }
.hero-trust-item { display: flex; flex-direction: column; gap: 1px; }
.hero-trust-item strong { font-size: 17px; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; }
.hero-trust-item span { font-size: 12px; color: var(--muted); }

/* ═══════════════════════════════════════
   AD UNIT SLOTS
═══════════════════════════════════════ */
.ad-unit { overflow: hidden; display: flex; align-items: center; justify-content: center; background: var(--surface); border: 1px dashed var(--divider); color: var(--muted); font-size: 11px; letter-spacing: 0.05em; max-width: 100%; box-sizing: border-box; }
.ad-unit--header { height: 90px; min-height: 90px; margin-bottom: 0; }
.ad-unit--mid { height: 90px; min-height: 90px; margin: 40px 0; }
.ad-unit--sidebar { height: 280px; min-height: 280px; margin-top: 14px; border-radius: var(--radius); }

/* ═══════════════════════════════════════
   SECTION SHARED
═══════════════════════════════════════ */
.section-eyebrow { display: block; font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.section-title { font-family: var(--ff-display); font-size: clamp(28px, 4vw, 44px); letter-spacing: -0.025em; color: var(--ink); margin-top: 8px; }
.section-sub { font-size: 16px; color: var(--muted); max-width: 480px; margin: 10px auto 0; text-align: center; line-height: 1.6; }

/* ═══════════════════════════════════════
   CALCULATOR SECTION
═══════════════════════════════════════ */
.calc-section { padding: 72px 0 80px; }
@media (max-width: 768px) { .calc-section { padding: 48px 0 64px; } }
.calc-section-header { text-align: center; margin-bottom: 48px; }
.calc-layout { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 1024px) { .calc-layout { grid-template-columns: 1.2fr 0.8fr; gap: 32px; align-items: start; } .calc-results-sticky { position: sticky; top: 80px; } }

/* ═══════════════════════════════════════
   INPUT PANEL
═══════════════════════════════════════ */
.input-panel { background: var(--card); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); border: 1px solid rgba(255, 255, 255, 0.7); border-radius: var(--radius-lg); box-shadow: var(--shadow); overflow: hidden; transition: all var(--t); }
.input-panel:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.input-panel-header { display: flex; align-items: center; justify-content: space-between; padding: 20px 24px 18px; border-bottom: 1px solid var(--divider); gap: 12px; background: rgba(255, 255, 255, 0.3); }
.input-panel-title { font-size: 17px; font-weight: 700; color: var(--ink); letter-spacing: -0.02em; }
.mode-toggle { display: flex; background: var(--surface); border-radius: 10px; padding: 3px; gap: 2px; flex-shrink: 0; }
.mode-btn { padding: 6px 14px; border-radius: 8px; font-size: 12px; font-weight: 600; color: var(--muted); transition: all var(--t); }
@media (max-width: 768px) { .mode-btn { padding: 10px 16px; font-size: 13px; min-height: 44px; } }
.mode-btn.active { background: white; color: var(--ink); box-shadow: var(--shadow-sm); }
.input-section { border-bottom: 1px solid var(--divider); }
.input-section:last-child { border-bottom: none; }
.input-section-header { display: flex; align-items: center; justify-content: space-between; padding: 15px 24px; width: 100%; color: var(--ink); font-size: 13px; font-weight: 700; letter-spacing: -0.01em; text-align: left; transition: background var(--t); }
.input-section-header:hover { background: var(--surface); }
.input-section-icon { color: var(--muted); font-size: 14px; transition: transform 0.25s ease; }
.input-section-icon.open { transform: rotate(180deg); }
.input-section-body { padding: 0; max-height: 0; overflow: hidden; transition: max-height 0.38s ease, padding 0.38s ease; }
.input-section-body.open { max-height: 1200px; padding: 10px 24px 22px; }

/* ═══════════════════════════════════════
   SLIDER
═══════════════════════════════════════ */
.slider-field { margin-bottom: 22px; }
.slider-field:last-child { margin-bottom: 0; }
.slider-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 10px; }
.slider-label { font-size: 13px; font-weight: 500; color: var(--ink-2); }
.slider-val { font-size: 13px; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; min-width: 56px; text-align: right; }
.premium-slider { width: 100%; height: 6px; border-radius: 3px; appearance: none; -webkit-appearance: none; outline: none; cursor: pointer; background: var(--surface-2); transition: background var(--t); }
.premium-slider::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: white; border: 1px solid rgba(0,0,0,0.05); box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06); cursor: pointer; transition: transform 0.15s, box-shadow 0.15s; }
.premium-slider::-webkit-slider-thumb:hover { transform: scale(1.15); box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05); }
.premium-slider::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: white; border: 1px solid rgba(0,0,0,0.05); box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1); cursor: pointer; }
@media (hover: none) { .premium-slider::-webkit-slider-thumb { width: 36px; height: 36px; } .premium-slider::-moz-range-thumb { width: 36px; height: 36px; } }
.slider-help { font-size: 12px; color: var(--muted); margin-top: 8px; line-height: 1.5; font-weight: 400; }

/* ═══════════════════════════════════════
   CURRENCY INPUT
═══════════════════════════════════════ */
.currency-field { margin-bottom: 20px; }
.field-label { display: block; font-size: 13px; font-weight: 500; color: var(--ink-2); margin-bottom: 8px; }
.currency-input { display: flex; align-items: center; gap: 4px; background: white; border: 1.5px solid var(--divider); border-radius: var(--radius-sm); padding: 12px 14px; transition: border-color var(--t), box-shadow var(--t); }
.currency-input.focused { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(16,185,129,0.1); }
.currency-input .prefix { font-size: 16px; font-weight: 500; color: var(--muted); }
.currency-input input { border: none; outline: none; font-size: 16px; font-weight: 600; color: var(--ink); width: 100%; background: transparent; font-variant-numeric: tabular-nums; min-height: 24px; }
.field-help { font-size: 11px; color: var(--muted); margin-top: 6px; line-height: 1.5; }
.expense-total { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; background: var(--surface); border-radius: var(--radius-sm); margin-top: 8px; font-size: 13px; color: var(--muted); }
.expense-total strong { color: var(--ink); font-size: 13px; }

/* TAX BREAKDOWN */
.tax-breakdown { background: var(--surface); border-radius: var(--radius-sm); padding: 12px 14px; margin-bottom: 18px; }
.tax-row { display: flex; justify-content: space-between; padding: 4px 0; font-size: 13px; color: var(--ink-2); }
.tax-total { font-weight: 700; color: var(--ink); padding-top: 10px; border-top: 1px solid var(--divider); margin-top: 4px; }
.tax-val { font-variant-numeric: tabular-nums; font-weight: 600; }
.tax-disclaimer { font-size: 11px; color: var(--muted); line-height: 1.55; margin-top: 14px; }

/* ═══════════════════════════════════════
   AFFILIATE CARD
═══════════════════════════════════════ */
.affiliate-card { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); padding: 16px 18px; box-shadow: var(--shadow-sm); margin-top: 14px; }
.affiliate-tag { font-size: 10px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.affiliate-name { font-size: 15px; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; margin-bottom: 4px; }
.affiliate-desc { font-size: 13px; color: var(--muted); line-height: 1.6; margin-bottom: 10px; }
.affiliate-cta { font-size: 13px; font-weight: 600; color: var(--accent); }
.affiliate-cta:hover { text-decoration: underline; }

/* ═══════════════════════════════════════
   RESULTS PANEL
═══════════════════════════════════════ */
.results-panel { display: flex; flex-direction: column; gap: 14px; }

/* Primary rate card */
.primary-rate-card { background: linear-gradient(135deg, rgba(255,255,255,0.9) 0%, rgba(209,250,229,0.4) 100%); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border: 1px solid rgba(16,185,129,0.3); border-radius: var(--radius-lg); padding: 28px 30px; box-shadow: var(--shadow-glow); position: relative; overflow: hidden; transition: all var(--t); }
.primary-rate-card:hover { transform: translateY(-4px); box-shadow: 0 20px 50px -10px rgba(16,185,129,0.2), inset 0 0 0 1px rgba(16,185,129,0.3); }
.primary-rate-card::before { content: ''; position: absolute; top: -50px; right: -50px; width: 180px; height: 180px; background: radial-gradient(circle, rgba(16,185,129,0.15) 0%, transparent 70%); pointer-events: none; }
@media (max-width: 768px) { .primary-rate-card { padding: 20px; } }
.primary-rate-eyebrow { display: flex; align-items: center; justify-content: space-between; margin-bottom: 10px; }
.rate-check { width: 22px; height: 22px; background: var(--success); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-size: 11px; font-weight: 700; flex-shrink: 0; }
.primary-rate-number { display: flex; align-items: baseline; gap: 2px; margin-bottom: 6px; }
.rate-dollar { font-family: var(--ff-display); font-size: 28px; color: var(--muted); line-height: 1; }
.rate-value { font-family: var(--ff-display); font-size: clamp(64px, 8vw, 96px); line-height: 0.95; color: var(--ink); letter-spacing: -0.03em; font-variant-numeric: tabular-nums; }
.rate-per { font-size: 22px; font-weight: 400; color: var(--muted); margin-left: 4px; }
.rate-comparison { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-bottom: 14px; }
.naive-label { font-size: 13px; color: var(--muted); }
.naive-label s { color: var(--danger); font-style: normal; }
.uplift-badge { font-size: 11px; font-weight: 700; background: rgba(16,185,129,0.12); color: var(--success); padding: 3px 9px; border-radius: 100px; }
.min-rate-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 0 0; border-top: 1px solid rgba(0,0,0,0.07); font-size: 13px; color: var(--muted); }
.min-rate-row strong { color: var(--ink-2); font-size: 14px; }

/* Legal disclaimer */
.legal-disclaimer { background: rgba(225,29,72,0.04); border: 1px solid rgba(225,29,72,0.12); border-radius: var(--radius-sm); padding: 12px 14px; font-size: 11px; color: var(--muted); line-height: 1.6; }

/* Metrics grid */
.metrics-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.metric-card { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); padding: 14px 16px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 3px; }
.metric-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em; color: var(--muted); }
.metric-value { font-size: 20px; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }
.metric-sub { font-size: 11px; color: var(--muted); }
.metric-warning .metric-value { color: var(--danger); }
.metric-info .metric-value { color: #0ea5e9; }

/* Revenue summary */
.revenue-summary { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); padding: 16px 18px; box-shadow: var(--shadow-sm); }
.revenue-row { display: flex; justify-content: space-between; align-items: center; padding: 5px 0; font-size: 13px; color: var(--ink-2); }
.revenue-row strong { font-weight: 700; font-size: 14px; }
.revenue-minus { color: var(--muted); font-size: 13px; font-variant-numeric: tabular-nums; }
.revenue-divider { height: 1px; background: var(--divider); margin: 6px 0; }
.revenue-net strong { color: var(--success); font-size: 16px; }

/* Chart */
.chart-section { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow-sm); }
.chart-title { font-size: 13px; font-weight: 700; color: var(--ink); margin-bottom: 14px; }
.chart-layout { display: flex; align-items: center; gap: 16px; }
.chart-wrap { flex-shrink: 0; width: 130px; height: 130px; position: relative; }
.chart-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; pointer-events: none; gap: 2px; }
.chart-center-val { font-family: var(--ff-display); font-size: 18px; color: var(--ink); line-height: 1; letter-spacing: -0.02em; }
.chart-center-label { font-size: 9px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.07em; }
.chart-legend { display: flex; flex-direction: column; gap: 9px; flex: 1; min-width: 0; }
.legend-item { display: flex; align-items: center; gap: 8px; }
.legend-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.legend-label { font-size: 12px; color: var(--ink-2); flex: 1; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.legend-pct { font-size: 12px; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }

/* Insight */
.insight-card { display: flex; gap: 10px; align-items: flex-start; background: var(--surface); border-radius: var(--radius-sm); padding: 14px 16px; font-size: 13px; color: var(--ink-2); line-height: 1.6; }
.insight-card strong { color: var(--ink); }
.insight-icon { flex-shrink: 0; font-size: 15px; margin-top: 1px; }

/* ═══════════════════════════════════════
   STICKY MOBILE RATE BAR
═══════════════════════════════════════ */
.sticky-rate-bar { position: fixed; bottom: 0; left: 0; right: 0; z-index: 90; background: rgba(10,10,10,0.97); color: white; display: flex; align-items: center; justify-content: space-between; padding: 12px 20px; transform: translateY(100%); transition: transform 0.3s ease; border-top: 1px solid rgba(255,255,255,0.08); }
.sticky-rate-bar.visible { transform: translateY(0); }
.sticky-rate-info { display: flex; flex-direction: column; gap: 2px; }
.sticky-label { font-size: 10px; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.45); }
.sticky-rate-num { font-family: var(--ff-display); font-size: 30px; color: white; line-height: 1; letter-spacing: -0.02em; }
.sticky-rate-num span { font-family: var(--ff-sans); font-size: 14px; color: rgba(255,255,255,0.5); }
.sticky-cta-btn { background: var(--accent); color: white; padding: 10px 20px; border-radius: 10px; font-size: 14px; font-weight: 600; letter-spacing: -0.01em; transition: all var(--t); }
.sticky-cta-btn:hover { filter: brightness(1.1); }
@media (min-width: 1024px) { .sticky-rate-bar { display: none; } }

/* ═══════════════════════════════════════
   EDUCATION — WHY
═══════════════════════════════════════ */
.why-section { padding: 80px 0; }
@media (max-width: 768px) { .why-section { padding: 56px 0; } }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
@media (max-width: 768px) { .why-grid { grid-template-columns: 1fr; gap: 14px; } }
.why-card { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow-sm); }
.why-num { font-family: var(--ff-display); font-size: 44px; color: var(--divider); line-height: 1; margin-bottom: 14px; }
.why-title { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 8px; letter-spacing: -0.01em; }
.why-text { font-size: 14px; color: var(--muted); line-height: 1.65; }

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-section { padding: 80px 0; background: var(--surface); }
@media (max-width: 768px) { .faq-section { padding: 56px 0; } }
.faq-grid { column-count: 2; column-gap: 20px; margin-top: 48px; }
@media (max-width: 768px) { .faq-grid { column-count: 1; } }
.faq-item { break-inside: avoid; background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
.faq-q { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; padding: 17px 20px; font-size: 14px; font-weight: 600; color: var(--ink); cursor: pointer; width: 100%; text-align: left; line-height: 1.45; transition: background var(--t); }
.faq-q:hover { background: var(--surface); }
.faq-icon { flex-shrink: 0; font-size: 20px; color: var(--muted); transition: transform 0.25s ease; line-height: 1; margin-top: -1px; }
.faq-icon.open { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-a.open { max-height: 600px; }
.faq-a-inner { padding: 0 20px 18px; font-size: 14px; color: var(--muted); line-height: 1.68; border-top: 1px solid var(--divider); padding-top: 14px; }

/* ═══════════════════════════════════════
   SPONSOR
═══════════════════════════════════════ */
.sponsor-section { padding: 60px 0; background: var(--bg); border-top: 1px solid var(--divider); }
.sponsor-eyebrow { text-align: center; font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 28px; }
.sponsor-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 768px) { .sponsor-grid { grid-template-columns: 1fr; gap: 12px; } }
.sponsor-card { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius); padding: 20px 22px; display: flex; flex-direction: column; gap: 10px; }
.sponsor-tag { font-size: 10px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.sponsor-logo { width: 44px; height: 44px; background: var(--surface); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 22px; }
.sponsor-tagline { font-size: 11px; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--muted); }
.sponsor-name { font-size: 15px; font-weight: 700; color: var(--ink); letter-spacing: -0.01em; margin-top: 2px; }
.sponsor-desc { font-size: 13px; color: var(--muted); line-height: 1.6; }
.sponsor-cta { font-size: 13px; font-weight: 600; color: var(--accent); }
.sponsor-cta:hover { text-decoration: underline; }

/* ═══════════════════════════════════════
   BLOG
═══════════════════════════════════════ */
.blog-section { padding: 80px 0; background: var(--surface); }
@media (max-width: 768px) { .blog-section { padding: 56px 0; } }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
@media (max-width: 768px) { .blog-grid { grid-template-columns: 1fr; gap: 16px; } }
@media (min-width: 768px) and (max-width: 1024px) { .blog-grid { grid-template-columns: 1fr 1fr; } }
.blog-card { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform var(--t), box-shadow var(--t); display: block; }
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.blog-img { height: 170px; display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden; }
.blog-card-body { padding: 20px 22px; }
.blog-cat { font-size: 10px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--accent); margin-bottom: 8px; }
.blog-title { font-size: 15px; font-weight: 700; color: var(--ink); line-height: 1.4; margin-bottom: 10px; letter-spacing: -0.01em; }
.blog-excerpt { font-size: 13px; color: var(--muted); line-height: 1.65; margin-bottom: 14px; }
.blog-meta { display: flex; align-items: center; justify-content: space-between; font-size: 12px; color: var(--muted); padding-top: 12px; border-top: 1px solid var(--divider); }

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.footer { background: #0a0a0a; color: rgba(255,255,255,0.6); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .footer-logo { color: white; font-size: 18px; display: block; margin-bottom: 12px; }
.footer-brand p { font-size: 13px; line-height: 1.65; max-width: 240px; }
.footer-badges { display: flex; gap: 8px; margin-top: 16px; flex-wrap: wrap; }
.footer-badge { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.1); border-radius: 100px; padding: 4px 12px; font-size: 11px; font-weight: 600; color: rgba(255,255,255,0.5); }
.footer-col-title { font-size: 11px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: rgba(255,255,255,0.35); margin-bottom: 14px; }
.footer-link { display: block; font-size: 14px; color: rgba(255,255,255,0.55); padding: 4px 0; transition: color var(--t); }
.footer-link:hover { color: white; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.08); font-size: 12px; flex-wrap: wrap; gap: 8px; }
.footer-disclaimer { color: rgba(255,255,255,0.35); }

/* ═══════════════════════════════════════
   INNER PAGES (about, contact, legal)
═══════════════════════════════════════ */
.page-hero { padding: 64px 0 48px; border-bottom: 1px solid var(--divider); }
.page-hero-eyebrow { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.page-hero-title { font-family: var(--ff-display); font-size: clamp(32px, 5vw, 56px); letter-spacing: -0.025em; color: var(--ink); margin-bottom: 16px; }
.page-hero-sub { font-size: 17px; color: var(--muted); line-height: 1.68; max-width: 540px; }
.page-body { padding: 64px 0 96px; }
.page-content { max-width: 680px; }
.page-content h2 { font-family: var(--ff-display); font-size: 26px; color: var(--ink); margin-bottom: 12px; margin-top: 40px; letter-spacing: -0.02em; }
.page-content h2:first-child { margin-top: 0; }
.page-content p { font-size: 15px; color: var(--ink-2); line-height: 1.75; margin-bottom: 16px; }
.page-content ul { font-size: 15px; color: var(--ink-2); line-height: 1.75; margin-bottom: 16px; padding-left: 20px; }
.page-content li { margin-bottom: 6px; }
.page-content a { color: var(--accent); text-decoration: underline; }

/* Contact form */
.contact-form { background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow); }
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 13px; font-weight: 600; color: var(--ink-2); margin-bottom: 8px; }
.form-input { width: 100%; padding: 12px 14px; border: 1.5px solid var(--divider); border-radius: var(--radius-sm); font-size: 16px; color: var(--ink); background: white; transition: border-color var(--t), box-shadow var(--t); }
.form-input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(16,185,129,0.1); }
.form-textarea { resize: vertical; min-height: 140px; }
.form-submit { display: inline-flex; align-items: center; gap: 8px; background: var(--ink); color: white; padding: 14px 28px; border-radius: 12px; font-size: 15px; font-weight: 600; cursor: pointer; transition: all var(--t); border: none; }
.form-submit:hover { background: #1c1c1c; transform: translateY(-1px); box-shadow: 0 8px 24px rgba(0,0,0,0.16); }

/* Blog inner page */
.article-header { padding: 64px 0 40px; }
.article-meta { display: flex; align-items: center; gap: 16px; font-size: 13px; color: var(--muted); margin-bottom: 20px; flex-wrap: wrap; }
.article-cat { font-size: 11px; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--accent); }
.article-title { font-family: var(--ff-display); font-size: clamp(28px, 5vw, 52px); letter-spacing: -0.025em; color: var(--ink); margin-bottom: 20px; line-height: 1.1; }
.article-sub { font-size: 18px; color: var(--muted); line-height: 1.65; max-width: 640px; }
.article-body { padding: 0 0 80px; }
.article-content { max-width: 680px; }
.article-content h2 { font-family: var(--ff-display); font-size: 28px; color: var(--ink); margin-bottom: 12px; margin-top: 48px; letter-spacing: -0.02em; }
.article-content h3 { font-size: 18px; font-weight: 700; color: var(--ink); margin-bottom: 10px; margin-top: 32px; }
.article-content p { font-size: 16px; color: var(--ink-2); line-height: 1.78; margin-bottom: 20px; }
.article-content ul, .article-content ol { font-size: 16px; color: var(--ink-2); line-height: 1.78; margin-bottom: 20px; padding-left: 24px; }
.article-content li { margin-bottom: 8px; }
.article-content strong { color: var(--ink); }
.article-content a { color: var(--accent); text-decoration: underline; }
.article-callout { background: var(--surface); border-left: 3px solid var(--accent); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 18px 20px; margin: 28px 0; font-size: 15px; color: var(--ink-2); line-height: 1.65; }
.article-disclaimer { background: rgba(225,29,72,0.04); border: 1px solid rgba(225,29,72,0.12); border-radius: var(--radius-sm); padding: 14px 16px; font-size: 13px; color: var(--muted); line-height: 1.6; margin-top: 48px; }

/* Author Component */
.article-author { display: flex; align-items: center; gap: 16px; background: var(--card); border: 1px solid var(--divider); border-radius: var(--radius-lg); padding: 24px; margin-top: 48px; box-shadow: var(--shadow-sm); }
.author-avatar { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; background: var(--surface-2); flex-shrink: 0; }
.author-info { flex: 1; }
.author-name { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 4px; letter-spacing: -0.01em; }
.author-bio { font-size: 14px; color: var(--muted); line-height: 1.6; margin-bottom: 8px; }
.author-link { font-size: 13px; font-weight: 600; color: var(--accent); }
.author-link:hover { text-decoration: underline; }
@media (max-width: 480px) {
  .article-author { flex-direction: column; text-align: center; padding: 20px; }
  .author-avatar { margin-bottom: 4px; }
}

/* Blog index */
.blog-hero { padding: 72px 0 56px; }
.blog-featured { display: grid; grid-template-columns: 1fr; gap: 20px; margin-top: 48px; }
@media (min-width: 768px) { .blog-featured { grid-template-columns: 1.6fr 1fr; } }
.blog-card-featured .blog-img { height: 240px; }

/* Utility */
.hidden { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }