/* =========================================
   DEBT PAYOFF CALCULATOR — GLOBAL STYLES
   Aesthetic: Premium Dark Finance
   ========================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,600;0,9..144,700;1,9..144,400&family=Plus+Jakarta+Sans:wght@300;400;500;600;700&family=DM+Mono:wght@400;500&display=swap');

/* ── Design Tokens ── */
:root {
  --bg-base:      #07101E;
  --bg-surface:   #0C1828;
  --bg-card:      rgba(255,255,255,0.04);
  --bg-card-hover:rgba(255,255,255,0.065);
  --border:       rgba(255,255,255,0.08);
  --border-focus: rgba(0,214,122,0.5);
  --accent:       #00D67A;
  --accent-dim:   rgba(0,214,122,0.12);
  --accent-glow:  0 0 40px rgba(0,214,122,0.18);
  --gold:         #F5A623;
  --gold-dim:     rgba(245,166,35,0.12);
  --danger:       #FF4D68;
  --danger-dim:   rgba(255,77,104,0.12);
  --text-primary: #ECF1F9;
  --text-secondary:#7A9BB5;
  --text-muted:   #3D5A78;
  --shadow-card:  0 8px 40px rgba(0,0,0,0.4);
  --shadow-deep:  0 20px 80px rgba(0,0,0,0.6);
  --radius-sm:    8px;
  --radius-md:    14px;
  --radius-lg:    22px;
  --font-display: 'Fraunces', Georgia, serif;
  --font-body:    'Plus Jakarta Sans', system-ui, sans-serif;
  --font-mono:    'DM Mono', 'Courier New', monospace;
  --nav-h:        70px;
  --transition:   0.22s cubic-bezier(0.4,0,0.2,1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  background: var(--bg-base);
  color: var(--text-primary);
  font-family: var(--font-body);
  line-height: 1.7;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* Subtle grid texture */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  background-image:
    linear-gradient(rgba(0,214,122,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0,214,122,0.015) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
  z-index: 0;
}

/* ── Typography ── */
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.2; font-weight: 600; }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; font-family: var(--font-body); font-weight: 600; }
p { color: var(--text-secondary); margin-bottom: 1rem; }
a { color: var(--accent); text-decoration: none; transition: opacity var(--transition); }
a:hover { opacity: 0.8; }
strong { color: var(--text-primary); font-weight: 600; }

/* ── Navigation ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--nav-h);
  background: rgba(7,16,30,0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
}
.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-primary);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo em { color: var(--accent); font-style: normal; }
.logo-mark {
  width: 34px;
  height: 34px;
  background: var(--accent-dim);
  border: 1px solid var(--border-focus);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  color: var(--accent);
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 8px;
  align-items: center;
}
.nav-links a {
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 20px;
  transition: all var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--text-primary);
  background: var(--bg-card);
}
.nav-cta {
  background: var(--accent) !important;
  color: var(--bg-base) !important;
  font-weight: 600 !important;
}
.nav-cta:hover { opacity: 0.9 !important; background: var(--accent) !important; }
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  color: var(--text-primary);
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 1.1rem;
  transition: all var(--transition);
}
.nav-toggle:hover { background: var(--bg-card); }

/* Mobile nav */
@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: fixed;
    top: var(--nav-h);
    left: 0;
    right: 0;
    background: rgba(7,16,30,0.97);
    backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 20px;
    gap: 4px;
    border-bottom: 1px solid var(--border);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 16px; width: 100%; text-align: center; }
}

/* ── Layout Utilities ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; position: relative; z-index: 1; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-label {
  font-size: 0.75rem;
  font-family: var(--font-mono);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-accent { color: var(--accent); }
.text-muted { color: var(--text-muted); }

/* ── Cards ── */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
}
.card:hover { background: var(--bg-card-hover); border-color: rgba(255,255,255,0.12); }
.card-glow { box-shadow: var(--accent-glow); border-color: rgba(0,214,122,0.2); }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 40px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: none;
  text-decoration: none;
}
.btn-primary {
  background: var(--accent);
  color: var(--bg-base);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,214,122,0.35); opacity: 1; }
.btn-outline {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid var(--border);
}
.btn-outline:hover { background: var(--bg-card); border-color: rgba(255,255,255,0.15); transform: translateY(-1px); }
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }
.btn-full { width: 100%; }

/* ── Form Elements ── */
.form-group { margin-bottom: 22px; }
.form-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-secondary);
  margin-bottom: 8px;
}
.input-wrap {
  position: relative;
}
.input-prefix, .input-suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-family: var(--font-mono);
  font-size: 0.95rem;
  pointer-events: none;
}
.input-prefix { left: 16px; }
.input-suffix { right: 16px; }
input[type="number"], input[type="text"], select {
  width: 100%;
  background: rgba(255,255,255,0.05);
  border: 1px solid var(--border);
  color: var(--text-primary);
  font-family: var(--font-mono);
  font-size: 1.1rem;
  padding: 14px 16px;
  border-radius: var(--radius-md);
  transition: all var(--transition);
  outline: none;
  appearance: none;
  -moz-appearance: textfield;
}
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; }
input.has-prefix { padding-left: 32px; }
input.has-suffix { padding-right: 44px; }
input:focus, select:focus {
  border-color: var(--border-focus);
  background: rgba(0,214,122,0.06);
  box-shadow: 0 0 0 3px rgba(0,214,122,0.08);
}
input::placeholder { color: var(--text-muted); }
.form-hint { font-size: 0.78rem; color: var(--text-muted); margin-top: 6px; }

/* Range slider */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  padding: 0;
  border: none;
  cursor: pointer;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid var(--bg-base);
  box-shadow: 0 0 0 1px var(--accent), 0 4px 12px rgba(0,214,122,0.4);
  cursor: pointer;
  transition: all var(--transition);
}
input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
input[type="range"]:focus { background: rgba(0,214,122,0.2); box-shadow: none; }

/* ── Hero Section ── */
.hero {
  padding: 80px 0 60px;
  text-align: center;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50px;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 400px;
  background: radial-gradient(ellipse at center, rgba(0,214,122,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent-dim);
  border: 1px solid rgba(0,214,122,0.2);
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 { margin-bottom: 20px; }
.hero h1 em { font-style: italic; color: var(--accent); }
.hero-sub {
  font-size: 1.15rem;
  color: var(--text-secondary);
  max-width: 580px;
  margin: 0 auto 40px;
  line-height: 1.65;
}

/* ── Calculator Layout ── */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  background: var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-deep);
}
.calc-inputs-panel {
  background: var(--bg-surface);
  padding: 40px 36px;
}
.calc-results-panel {
  background: var(--bg-card);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}
.calc-results-panel::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 300px;
  height: 300px;
  background: radial-gradient(ellipse, rgba(0,214,122,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.panel-title {
  font-size: 0.72rem;
  font-family: var(--font-mono);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.panel-title::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Result Metrics ── */
.results-empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  height: 100%;
  min-height: 300px;
  color: var(--text-muted);
  text-align: center;
}
.results-empty .empty-icon { font-size: 2.5rem; margin-bottom: 16px; opacity: 0.4; }
.results-empty p { font-size: 0.9rem; color: var(--text-muted); }
.results-grid { display: none; }
.results-grid.visible { display: block; }

.metric {
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.metric:last-child { border-bottom: none; }
.metric-label {
  font-size: 0.72rem;
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.metric-value {
  font-family: var(--font-mono);
  font-size: 1.9rem;
  font-weight: 500;
  color: var(--text-primary);
  line-height: 1;
}
.metric-value.accent { color: var(--accent); }
.metric-value.gold { color: var(--gold); }
.metric-value.danger { color: var(--danger); }
.metric-sub {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 4px;
}

/* Interest breakdown bar */
.breakdown-bar {
  height: 8px;
  border-radius: 4px;
  background: var(--border);
  margin-top: 12px;
  overflow: hidden;
}
.breakdown-fill {
  height: 100%;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--accent), var(--gold));
  transition: width 0.8s cubic-bezier(0.4,0,0.2,1);
  width: 0%;
}
.breakdown-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 6px;
}

/* Error state */
.calc-error {
  display: none;
  background: var(--danger-dim);
  border: 1px solid rgba(255,77,104,0.25);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  color: var(--danger);
  font-size: 0.88rem;
  margin-top: 16px;
  align-items: center;
  gap: 10px;
}
.calc-error.show { display: flex; }

/* ── Visualization / Chart ── */
.viz-section {
  padding: 60px 0 40px;
}
.viz-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 32px;
  flex-wrap: wrap;
  gap: 16px;
}
.chart-container {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  overflow: hidden;
}
#amort-chart {
  width: 100%;
  height: 280px;
  display: block;
}
.chart-legend {
  display: flex;
  gap: 24px;
  margin-top: 20px;
  flex-wrap: wrap;
}
.legend-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--text-secondary);
}
.legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 2px;
  flex-shrink: 0;
}

/* ── What-If Section ── */
.whatif-section {
  padding: 20px 0 60px;
}
.whatif-card {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.whatif-header { margin-bottom: 32px; }
.whatif-header h2 { margin-bottom: 8px; }
.whatif-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.whatif-controls { }
.whatif-slider-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.whatif-amount {
  font-family: var(--font-mono);
  font-size: 2rem;
  color: var(--accent);
  font-weight: 500;
}
.whatif-results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.whatif-metric {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 18px;
}
.whatif-metric-label { font-size: 0.72rem; font-family: var(--font-mono); text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); margin-bottom: 8px; }
.whatif-metric-base { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 4px; font-family: var(--font-mono); }
.whatif-metric-new { font-size: 1.3rem; font-family: var(--font-mono); color: var(--accent); font-weight: 500; }
.whatif-metric-save { font-size: 0.78rem; color: var(--gold); margin-top: 4px; }

/* ── Amortization Table ── */
.table-section { padding: 20px 0 80px; }
.table-toggle-btn {
  background: none;
  border: 1px solid var(--border);
  color: var(--text-secondary);
  padding: 10px 20px;
  border-radius: 20px;
  font-family: var(--font-body);
  font-size: 0.85rem;
  cursor: pointer;
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
}
.table-toggle-btn:hover { background: var(--bg-card); color: var(--text-primary); }
.table-wrapper {
  display: none;
  margin-top: 24px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.table-wrapper.open { display: block; }
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--font-mono);
  font-size: 0.85rem;
}
.amort-table th {
  background: rgba(255,255,255,0.04);
  padding: 14px 20px;
  text-align: right;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.amort-table th:first-child { text-align: left; }
.amort-table td {
  padding: 12px 20px;
  text-align: right;
  color: var(--text-secondary);
  border-bottom: 1px solid rgba(255,255,255,0.03);
}
.amort-table td:first-child { text-align: left; color: var(--text-muted); }
.amort-table tr:hover td { background: rgba(255,255,255,0.02); }
.amort-table tr:last-child td { border-bottom: none; }
.td-principal { color: var(--accent) !important; }
.td-interest { color: var(--gold) !important; }
.td-balance { color: var(--text-primary) !important; }
.table-pagination {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-top: 1px solid var(--border);
  font-size: 0.82rem;
  color: var(--text-muted);
}
.table-pagination-btns { display: flex; gap: 8px; }
.page-btn {
  background: var(--bg-card);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  padding: 6px 14px;
  border-radius: 6px;
  font-size: 0.8rem;
  cursor: pointer;
  transition: all var(--transition);
  font-family: var(--font-body);
}
.page-btn:hover, .page-btn.active { background: var(--accent-dim); border-color: var(--border-focus); color: var(--accent); }
.page-btn:disabled { opacity: 0.3; cursor: not-allowed; }

/* ── Content / Article Sections ── */
.content-section { padding: 80px 0; }
.content-prose { max-width: 860px; }
.content-prose h2 { margin-bottom: 16px; margin-top: 48px; }
.content-prose h2:first-child { margin-top: 0; }
.content-prose h3 { margin-bottom: 12px; margin-top: 32px; color: var(--text-primary); }
.content-prose p { margin-bottom: 18px; }
.content-prose ul, .content-prose ol { margin: 0 0 18px 0; padding-left: 24px; }
.content-prose li { color: var(--text-secondary); margin-bottom: 8px; }
.content-prose li strong { color: var(--text-primary); }

/* Callout boxes */
.callout {
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin: 24px 0;
  border-left: 3px solid;
}
.callout-tip { background: var(--accent-dim); border-color: var(--accent); }
.callout-warning { background: var(--gold-dim); border-color: var(--gold); }
.callout-danger { background: var(--danger-dim); border-color: var(--danger); }
.callout-title {
  font-size: 0.75rem;
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 8px;
}
.callout-tip .callout-title { color: var(--accent); }
.callout-warning .callout-title { color: var(--gold); }
.callout-danger .callout-title { color: var(--danger); }
.callout p { margin-bottom: 0; }

/* Stat highlight boxes */
.stat-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 32px 0;
}
.stat-box {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
}
.stat-box .stat-number {
  font-family: var(--font-mono);
  font-size: 2rem;
  font-weight: 500;
  color: var(--accent);
  display: block;
  line-height: 1;
  margin-bottom: 6px;
}
.stat-box .stat-label { font-size: 0.82rem; color: var(--text-muted); }

/* FAQ accordion */
.faq-list { margin-top: 40px; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: rgba(0,214,122,0.25); }
.faq-question {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  text-align: left;
  cursor: pointer;
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 0.97rem;
  font-weight: 600;
  transition: all var(--transition);
  gap: 16px;
}
.faq-question:hover { background: var(--bg-card); }
.faq-icon {
  color: var(--accent);
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1);
}
.faq-item.open .faq-answer { max-height: 600px; }
.faq-answer-inner {
  padding: 0 24px 20px;
  color: var(--text-secondary);
  font-size: 0.93rem;
  line-height: 1.75;
  border-top: 1px solid var(--border);
  padding-top: 18px;
}
.faq-answer-inner p { margin-bottom: 12px; }
.faq-answer-inner p:last-child { margin-bottom: 0; }

/* ── Comparison Table ── */
.compare-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 700px;
}
.compare-table th {
  background: var(--bg-surface);
  padding: 16px 20px;
  text-align: left;
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.compare-table td {
  padding: 16px 20px;
  color: var(--text-secondary);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  font-size: 0.9rem;
  vertical-align: top;
}
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: rgba(255,255,255,0.02); }
.compare-table .method-name { color: var(--text-primary); font-weight: 600; }
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.05em;
}
.badge-green { background: var(--accent-dim); color: var(--accent); }
.badge-yellow { background: var(--gold-dim); color: var(--gold); }
.badge-red { background: var(--danger-dim); color: var(--danger); }

/* ── Internal Links / Related ── */
.related-links {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
  margin-top: 40px;
}
.related-link-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  text-decoration: none;
  transition: all var(--transition);
  display: block;
}
.related-link-card:hover {
  background: var(--bg-card-hover);
  border-color: rgba(0,214,122,0.2);
  transform: translateY(-2px);
  opacity: 1;
}
.related-link-card .rl-label { font-size: 0.7rem; font-family: var(--font-mono); text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent); margin-bottom: 8px; }
.related-link-card .rl-title { color: var(--text-primary); font-weight: 600; font-size: 0.95rem; margin-bottom: 4px; }
.related-link-card .rl-desc { color: var(--text-muted); font-size: 0.8rem; line-height: 1.4; }

/* ── Footer ── */
.site-footer {
  background: var(--bg-surface);
  border-top: 1px solid var(--border);
  padding: 60px 0 40px;
  position: relative;
  z-index: 1;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand p { font-size: 0.85rem; color: var(--text-muted); margin-top: 12px; line-height: 1.6; }
.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: var(--text-secondary); font-size: 0.88rem; text-decoration: none; transition: color var(--transition); }
.footer-col a:hover { color: var(--text-primary); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-disclaimer { font-size: 0.78rem; color: var(--text-muted); max-width: 700px; line-height: 1.5; }
.footer-copy { font-size: 0.78rem; color: var(--text-muted); flex-shrink: 0; }

/* ── Animations ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes countUp {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-in { animation: fadeUp 0.5s cubic-bezier(0.4,0,0.2,1) both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }

/* ── Page Hero (inner pages) ── */
.page-hero {
  padding: 60px 0 40px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 60px;
  position: relative;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 600px 300px at 30% 50%, rgba(0,214,122,0.05) 0%, transparent 70%);
  pointer-events: none;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb span { opacity: 0.4; }

/* ── Divider ── */
.divider { height: 1px; background: var(--border); margin: 60px 0; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-results-panel { min-height: auto; }
  .whatif-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .section { padding: 60px 0; }
  .card { padding: 24px; }
  .calc-inputs-panel, .calc-results-panel { padding: 28px 24px; }
  .whatif-card { padding: 28px 24px; }
  .whatif-results-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  h1 { font-size: 2rem; }
}

/* ── Reverse calculator grid responsive ── */
@media (max-width: 700px) {
  #reverseGrid { grid-template-columns: 1fr !important; }
}