:root {
  --navy: #0f2c4d;
  --navy-light: #1b3e69;
  --green: #16a34a;
  --green-dark: #0f7a35;
  --bg: #f6f8fb;
  --card: #ffffff;
  --text: #1f2937;
  --muted: #64748b;
  --border: #e2e8f0;
  --shadow: 0 4px 20px rgba(15, 44, 77, 0.08);
  --radius: 14px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* Header / nav */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 12px rgba(0,0,0,0.12);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.2rem;
  color: #fff;
  letter-spacing: -0.3px;
}
.brand:hover { text-decoration: none; }
.brand .logo {
  width: 32px; height: 32px;
  background: var(--green);
  border-radius: 8px;
  display: grid; place-items: center;
  font-size: 1.1rem;
}
.nav-links { display: flex; gap: 6px; flex-wrap: wrap; }
.nav-links a {
  color: #cdd9e8;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 0.92rem;
  font-weight: 500;
}
.nav-links a:hover { background: var(--navy-light); color: #fff; text-decoration: none; }
.nav-toggle { display: none; background: none; border: none; color: #fff; font-size: 1.5rem; cursor: pointer; }

/* Dropdown "More" menu */
.nav-dropdown { position: relative; }
.nav-more {
  background: none; border: none; cursor: pointer;
  color: #cdd9e8; font: inherit; font-size: 0.92rem; font-weight: 500;
  padding: 8px 12px; border-radius: 8px;
}
.nav-more:hover { background: var(--navy-light); color: #fff; }
.nav-menu {
  display: none;
  position: absolute; top: 100%; left: 0;
  background: var(--navy); min-width: 200px;
  border-radius: 10px; padding: 8px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.28);
  flex-direction: column;
}
.nav-dropdown:hover .nav-menu, .nav-dropdown.open .nav-menu { display: flex; }
.nav-menu a { padding: 9px 12px; border-radius: 6px; }

@media (max-width: 760px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 64px; left: 0; right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 8px 16px 16px;
    gap: 2px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
  /* On mobile, show the dropdown's items inline instead of a hover menu */
  .nav-dropdown { width: 100%; }
  .nav-more { display: none; }
  .nav-menu { display: flex; position: static; box-shadow: none; padding: 0; background: transparent; min-width: 0; }
  .nav-menu a { padding: 12px; }
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  padding: 64px 0 72px;
  text-align: center;
}
.hero h1 { font-size: 2.6rem; line-height: 1.15; letter-spacing: -1px; margin-bottom: 16px; }
.hero h1 .accent { color: #4ade80; }
.hero p { font-size: 1.15rem; color: #cdd9e8; max-width: 620px; margin: 0 auto 28px; }
@media (max-width: 600px) { .hero h1 { font-size: 1.9rem; } }

/* Buttons */
.btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  padding: 13px 26px;
  border-radius: 10px;
  font-weight: 600;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  transition: background 0.15s, transform 0.05s;
}
.btn:hover { background: var(--green-dark); text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn-outline { background: transparent; border: 1.5px solid #4ade80; color: #4ade80; }
.btn-outline:hover { background: rgba(74,222,128,0.12); }

/* Calculator grid */
.section { padding: 56px 0; }
.section-title { text-align: center; font-size: 1.9rem; margin-bottom: 8px; letter-spacing: -0.5px; }
.section-sub { text-align: center; color: var(--muted); margin-bottom: 40px; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 22px;
}
.calc-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
  transition: transform 0.15s, box-shadow 0.15s;
  display: block;
  color: var(--text);
}
.calc-card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(15,44,77,0.13); text-decoration: none; }
.calc-card .icon { font-size: 2rem; margin-bottom: 12px; }
.calc-card h3 { font-size: 1.2rem; margin-bottom: 8px; color: var(--navy); }
.calc-card p { color: var(--muted); font-size: 0.95rem; }
.calc-card .arrow { color: var(--green); font-weight: 600; margin-top: 14px; display: inline-block; font-size: 0.92rem; }

/* Calculator page layout */
.calc-page { padding: 40px 0 64px; }
.breadcrumb { color: var(--muted); font-size: 0.9rem; margin-bottom: 18px; }
.calc-header h1 { font-size: 2.1rem; color: var(--navy); letter-spacing: -0.5px; margin-bottom: 10px; }
.calc-header p { color: var(--muted); max-width: 680px; margin-bottom: 30px; }

.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
@media (max-width: 820px) { .calc-layout { grid-template-columns: 1fr; } }

.panel {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.panel h2 { font-size: 1.15rem; margin-bottom: 20px; color: var(--navy); }

.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 6px; color: #334155; }
.field .hint { font-weight: 400; color: var(--muted); font-size: 0.82rem; }
.input-wrap { position: relative; }
.input-wrap .prefix, .input-wrap .suffix {
  position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600;
}
.input-wrap .prefix { left: 14px; }
.input-wrap .suffix { right: 14px; }
.input-wrap.has-prefix input { padding-left: 30px; }
.input-wrap.has-suffix input { padding-right: 36px; }
input[type="number"], select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: border-color 0.15s;
}
input[type="number"]:focus, select:focus { outline: none; border-color: var(--green); }
input[type="range"] { width: 100%; accent-color: var(--green); margin-top: 4px; }
.range-value { float: right; font-weight: 700; color: var(--green-dark); }

/* Results */
.result-hero {
  text-align: center;
  padding: 26px 20px;
  background: linear-gradient(135deg, #ecfdf5, #f0fdf4);
  border-radius: 12px;
  margin-bottom: 22px;
  border: 1px solid #bbf7d0;
}
.result-hero .label { color: var(--muted); font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.5px; }
.result-hero .value { font-size: 2.6rem; font-weight: 800; color: var(--green-dark); letter-spacing: -1px; line-height: 1.1; margin-top: 4px; }
.result-hero .value.small { font-size: 1.9rem; }
@media (max-width: 600px) { .result-hero .value { font-size: 2rem; } }

.stat-row { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--border); }
.stat-row:last-child { border-bottom: none; }
.stat-row .k { color: var(--muted); }
.stat-row .v { font-weight: 700; color: var(--navy); }

/* Net-worth comparison bars */
.nw-bars { margin-top: 20px; }
.nw-bar-row { margin-bottom: 14px; }
.nw-bar-row .lab { display: flex; justify-content: space-between; font-size: 0.85rem; font-weight: 600; margin-bottom: 5px; }
.nw-track { background: #eef2f7; border-radius: 8px; height: 18px; overflow: hidden; }
.nw-fill { height: 100%; border-radius: 8px; transition: width 0.25s ease; }
.nw-fill.assets { background: #16a34a; }
.nw-fill.liabilities { background: #dc2626; }

.chart-wrap { margin-top: 22px; }
.chart-wrap svg { width: 100%; height: auto; display: block; }
.chart-legend { display: flex; gap: 18px; justify-content: center; margin-top: 12px; font-size: 0.85rem; color: var(--muted); flex-wrap: wrap; }
.chart-legend span { display: inline-flex; align-items: center; gap: 6px; }
.swatch { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }

/* Content / SEO sections */
.content { max-width: 760px; margin: 48px auto 0; }
.content h2 { color: var(--navy); font-size: 1.5rem; margin: 32px 0 12px; letter-spacing: -0.3px; }
.content h3 { color: var(--navy); font-size: 1.15rem; margin: 22px 0 8px; }
.content p { margin-bottom: 14px; }
.content ul { margin: 0 0 16px 22px; }
.content li { margin-bottom: 6px; }
.faq-item { border-bottom: 1px solid var(--border); padding: 16px 0; }
.faq-item h3 { margin: 0 0 6px; }

/* Ad slots */
.ad-slot {
  margin: 28px auto;
  max-width: 970px;
  min-height: 90px;
  background: #f1f5f9;
  border: 1px dashed #cbd5e1;
  border-radius: 10px;
  display: grid; place-items: center;
  color: #94a3b8;
  font-size: 0.8rem;
  text-align: center;
}

/* Affiliate / offers */
.offers { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; margin-top: 22px; }
.offer {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 22px;
  box-shadow: var(--shadow);
}
.offer h4 { color: var(--navy); margin-bottom: 6px; }
.offer p { color: var(--muted); font-size: 0.9rem; margin-bottom: 14px; }
.offer .badge { display: inline-block; background: #ecfdf5; color: var(--green-dark); font-size: 0.72rem; font-weight: 700; padding: 3px 9px; border-radius: 20px; margin-bottom: 10px; text-transform: uppercase; letter-spacing: 0.4px; }

/* Footer */
.site-footer { background: var(--navy); color: #b6c4d6; padding: 48px 0 32px; margin-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 30px; margin-bottom: 32px; }
@media (max-width: 700px) { .footer-grid { grid-template-columns: 1fr; gap: 22px; } }
.site-footer h4 { color: #fff; margin-bottom: 12px; font-size: 0.95rem; }
.site-footer a { color: #b6c4d6; display: block; padding: 4px 0; font-size: 0.92rem; }
.site-footer a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid var(--navy-light); padding-top: 20px; font-size: 0.85rem; color: #8ba0b8; text-align: center; }
.disclaimer { font-size: 0.8rem; color: #7e93ab; max-width: 720px; margin: 14px auto 0; text-align: center; line-height: 1.5; }