:root{
    --navy:#1B4965;
    --navy-deep:#123549;
    --ink:#1F2937;
    --ink-soft:#5B6472;
    --ink-faint:#8A94A3;
    --bg:#F4F6F8;
    --card:#FFFFFF;
    --line:#E3E7EC;
    --green:#1E8449;
    --green-soft:#E5F3EA;
    --orange:#C1662E;
    --orange-soft:#FBEBE0;
    --navy-soft:#E4ECF2;
    --teal:#0F7A72;
    --teal-soft:#E1F1EF;
    --violet:#6A4C93;
    --violet-soft:#EEE7F5;
    --slate:#46586B;
    --slate-soft:#E7EAEE;
    --mustard:#B98900;
    --mustard-soft:#FBF1D9;
    --maroon:#8C3B3B;
    --maroon-soft:#F5E6E6;
    --pill:#EEF1F4;
    --shadow: 0 1px 2px rgba(20,30,40,.04), 0 8px 24px rgba(20,30,40,.06);
    --radius:12px;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{margin:0; background:var(--bg); color:var(--ink); font-family:'Inter',system-ui,sans-serif; -webkit-font-smoothing:antialiased;}
  @media (prefers-reduced-motion: reduce){ *{animation-duration:.001ms !important; transition-duration:.001ms !important;} }
  a{color:inherit; text-decoration:none;}
  .wrap{max-width:1100px; margin:0 auto; padding:0 24px;}

  /* ---------------- Header ---------------- */
  header.site{background:var(--card); border-bottom:1px solid var(--line); position:sticky; top:0; z-index:50;}
  .site-inner{max-width:1100px; margin:0 auto; padding:0 24px; display:flex; align-items:center; justify-content:space-between; height:64px;}
  .logo{font-weight:800; font-size:19px; color:var(--navy); letter-spacing:-0.01em;}
  nav.main-nav{display:flex; align-items:center; gap:26px; font-size:14.5px; font-weight:500;}
  nav.main-nav > a, .nav-drop > button{
    color:var(--ink-soft); background:none; border:none; cursor:pointer;
    font-family:inherit; font-size:14.5px; font-weight:500; padding:0;
    display:flex; align-items:center; gap:5px;
  }
  nav.main-nav > a.active, nav.main-nav > a:hover, .nav-drop > button:hover{color:var(--green);}
  .nav-drop{position:relative;}
  .chev{font-size:11px; transition:transform .15s ease;}
  .nav-drop[data-open="true"] .chev{transform:rotate(180deg);}
  .dropdown-menu{
    position:absolute; top:calc(100% + 14px); left:50%; transform:translateX(-50%);
    background:var(--card); border:1px solid var(--line); border-radius:10px;
    box-shadow:var(--shadow); min-width:210px; padding:8px; display:none;
  }
  .nav-drop[data-open="true"] .dropdown-menu{display:block;}
  .dropdown-menu button{
    width:100%; text-align:left; appearance:none; border:none; background:none; cursor:pointer;
    font-family:inherit; font-size:13.5px; color:var(--ink); padding:9px 10px; border-radius:6px;
  }
  .dropdown-menu button:hover{background:var(--pill);}
  @media (max-width:860px){ nav.main-nav{gap:14px;} .logo{font-size:17px;} }

  /* ---------------- Hero ---------------- */
  .hero{background:linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%); color:#fff; padding:64px 24px 72px; text-align:center;}
  .hero h1{font-size:clamp(28px,4.2vw,42px); font-weight:800; margin:0 0 16px; letter-spacing:-0.01em;}
  .hero p{font-size:16.5px; color:#CBD9E3; max-width:56ch; margin:0 auto; line-height:1.6;}

  main{padding:56px 0 0;}
  .section-title{font-size:24px; font-weight:800; color:var(--navy); margin:0 0 22px;}
  .section-title.small{font-size:19px; margin-top:8px;}

  /* ---------------- Calculator cards ---------------- */
  .calc-cards{display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-bottom:56px;}
  @media (max-width:860px){ .calc-cards{grid-template-columns:1fr;} }
  .calc-card-tile{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow); padding:26px 24px 24px; display:flex; flex-direction:column;}
  .tile-rule{width:34px; height:4px; border-radius:2px; margin-bottom:16px;}
  .tile-title{font-size:19px; font-weight:700; color:var(--navy); margin:0 0 10px;}
  .tile-desc{font-size:14px; color:var(--ink-soft); line-height:1.55; margin:0 0 18px; flex:1;}
  .tile-tags{display:flex; flex-wrap:wrap; gap:8px; margin-bottom:20px;}
  .tag{background:var(--pill); color:var(--ink-soft); font-size:12px; padding:5px 11px; border-radius:14px;}
  .tile-open{appearance:none; border:none; background:none; cursor:pointer; text-align:left; font-family:inherit; font-size:14px; font-weight:700; display:inline-flex; align-items:center; gap:6px;}
  .tile-open .arrow{transition:transform .15s ease;}
  .tile-open:hover .arrow{transform:translateX(4px);}

  /* ---------------- Learn strip ---------------- */
  .learn-cards{display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-bottom:56px;}
  @media (max-width:860px){ .learn-cards{grid-template-columns:1fr;} }
  .learn-card{
    background:var(--card); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow);
    padding:24px; cursor:pointer; transition:transform .15s ease, box-shadow .15s ease;
  }
  .learn-card:hover{transform:translateY(-2px); box-shadow:0 4px 10px rgba(20,30,40,.08), 0 14px 30px rgba(20,30,40,.08);}
  .learn-kicker{font-size:11px; text-transform:uppercase; letter-spacing:.07em; font-weight:700; margin-bottom:10px;}
  .learn-title{font-size:17px; font-weight:700; color:var(--navy); margin:0 0 8px;}
  .learn-desc{font-size:13.5px; color:var(--ink-soft); line-height:1.55; margin:0;}

  /* ---------------- Why box ---------------- */
  .why-box{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow); padding:32px 28px; margin-bottom:56px;}
  .why-box h2{font-size:20px; font-weight:800; color:var(--navy); margin:0 0 24px;}
  .why-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:28px;}
  @media (max-width:760px){ .why-grid{grid-template-columns:1fr;} }
  .why-item h3{font-size:14.5px; font-weight:700; color:var(--green); margin:0 0 8px;}
  .why-item p{font-size:13.5px; color:var(--ink-soft); line-height:1.6; margin:0;}

  /* ---------------- About ---------------- */
  #about-view{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow); padding:32px 28px; margin-bottom:56px; scroll-margin-top:90px;}
  #about-view h2{font-size:20px; font-weight:800; color:var(--navy); margin:0 0 12px;}
  #about-view p{font-size:14px; color:var(--ink-soft); line-height:1.65; max-width:70ch; margin:0 0 10px;}

  /* ---------------- Calculator panels ---------------- */
  .panel{display:none; margin-bottom:56px;}
  .panel[data-open="true"]{display:block;}
  .calc-topbar{display:flex; align-items:flex-start; justify-content:space-between; gap:16px; flex-wrap:wrap; margin-bottom:22px;}
  .back-link{appearance:none; border:none; background:none; cursor:pointer; font-family:inherit; font-size:13.5px; font-weight:600; color:var(--ink-soft); padding:6px 0; flex-shrink:0;}
  .back-link:hover{color:var(--navy);}
  .quick-switch{display:flex; gap:8px; flex-wrap:wrap; justify-content:flex-end;}
  .quick-switch button{
    appearance:none; cursor:pointer; border:1px solid var(--line); background:var(--card); color:var(--ink-soft);
    font-family:inherit; font-size:12px; font-weight:600; padding:7px 13px; border-radius:20px;
    transition:border-color .15s ease, color .15s ease;
  }
  .quick-switch button:hover{border-color:var(--accent); color:var(--accent);}

  .calc-card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow); padding:32px;}
  @media (max-width:720px){ .calc-card{padding:20px;} }
  .calc-heading{font-size:20px; font-weight:800; color:var(--navy); margin:0 0 6px;}
  .calc-subheading{font-size:13.5px; color:var(--ink-soft); margin:0 0 26px;}

  .calc-grid{display:grid; grid-template-columns:1.15fr 0.85fr; gap:40px;}
  @media (max-width:860px){ .calc-grid{grid-template-columns:1fr;} }

  .field{margin-bottom:24px;}
  .field:last-child{margin-bottom:0;}
  .field-head{display:flex; justify-content:space-between; align-items:baseline; margin-bottom:9px; gap:10px;}
  .field-label{font-size:13.5px; font-weight:600; color:var(--ink);}
  .field-value{display:flex; align-items:center; gap:2px; font-family:'IBM Plex Mono',monospace; font-size:14px; font-weight:600; background:var(--bg); border:1px solid var(--line); border-radius:8px; padding:5px 8px;}
  .field-value input{border:none; background:transparent; outline:none; font-family:'IBM Plex Mono',monospace; font-size:14px; font-weight:600; color:var(--ink); width:110px; text-align:right;}
  .unit{color:var(--ink-faint); font-size:12px;}
  .field-select{width:100%; padding:10px 12px; border:1px solid var(--line); border-radius:8px; background:var(--card); font-family:inherit; font-size:13.5px; color:var(--ink); cursor:pointer;}
  .radio-group{display:flex; gap:22px; margin-top:2px;}
  .radio-group label{display:flex; align-items:center; gap:7px; font-size:13.5px; color:var(--ink); cursor:pointer;}
  .radio-group input[type=radio]{accent-color:var(--navy); width:16px; height:16px; cursor:pointer; margin:0;}

  input[type=range]{-webkit-appearance:none; appearance:none; width:100%; height:28px; background:transparent; cursor:pointer; margin:0;}
  input[type=range]::-webkit-slider-runnable-track{height:6px; border-radius:4px; background:linear-gradient(90deg, var(--accent,#1E8449) 0%, var(--accent,#1E8449) var(--fill,50%), var(--line) var(--fill,50%), var(--line) 100%);}
  input[type=range]::-webkit-slider-thumb{-webkit-appearance:none; margin-top:-8px; width:19px; height:19px; border-radius:50%; background:var(--card); border:3px solid var(--accent,#1E8449); box-shadow:0 1px 3px rgba(0,0,0,.22);}
  input[type=range]::-moz-range-track{height:6px; border-radius:4px; background:var(--line);}
  input[type=range]::-moz-range-progress{height:6px; border-radius:4px; background:var(--accent,#1E8449);}
  input[type=range]::-moz-range-thumb{width:13px; height:13px; border-radius:50%; background:var(--card); border:3px solid var(--accent,#1E8449);}
  .range-scale{display:flex; justify-content:space-between; font-size:11px; color:var(--ink-faint); font-family:'IBM Plex Mono',monospace; margin-top:2px;}

  .results{background:var(--bg); border:1px solid var(--line); border-radius:12px; padding:24px 22px;}
  .result-hero{text-align:center; padding:4px 0 20px; border-bottom:1px dashed var(--line); margin-bottom:20px;}
  .result-hero .label{font-size:11.5px; text-transform:uppercase; letter-spacing:.07em; color:var(--ink-faint); font-family:'IBM Plex Mono',monospace;}
  .result-hero .value{font-weight:800; font-size:32px; letter-spacing:-0.01em; margin-top:6px; color:var(--navy);}
  .donut-wrap{display:flex; align-items:center; gap:20px; margin-bottom:20px;}
  .donut-wrap svg{flex-shrink:0;}
  .legend{flex:1; display:flex; flex-direction:column; gap:12px;}
  .legend-row{display:flex; align-items:center; justify-content:space-between; gap:8px; font-size:13px;}
  .legend-key{display:flex; align-items:center; gap:8px; color:var(--ink-soft);}
  .swatch{width:10px; height:10px; border-radius:3px; flex-shrink:0;}
  .legend-val{font-family:'IBM Plex Mono',monospace; font-weight:600; font-size:13px;}

  .mini-stats{display:grid; grid-template-columns:1fr 1fr; gap:10px;}
  .mini-stat{background:var(--card); border:1px solid var(--line); border-radius:9px; padding:12px 14px;}
  .mini-stat .l{font-size:10.5px; color:var(--ink-faint); font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.04em;}
  .mini-stat .v{font-family:'IBM Plex Mono',monospace; font-weight:600; font-size:14.5px; margin-top:3px;}

  .schedule{margin-top:32px;}
  .schedule-head{display:flex; align-items:center; justify-content:space-between; margin-bottom:14px; flex-wrap:wrap; gap:10px;}
  .schedule-head h3{font-size:17px; font-weight:700; color:var(--navy); margin:0;}
  .toggle{display:inline-flex; border:1px solid var(--line); border-radius:8px; overflow:hidden; font-family:'IBM Plex Mono',monospace; font-size:12px;}
  .toggle button{appearance:none; border:none; background:var(--card); color:var(--ink-soft); padding:7px 14px; cursor:pointer;}
  .toggle button[data-active="true"]{background:var(--navy); color:#fff;}

  .table-scroll{max-height:400px; overflow-y:auto; border:1px solid var(--line); border-radius:10px;}
  table{width:100%; border-collapse:collapse; font-size:13px;}
  thead th{position:sticky; top:0; background:var(--navy); color:#fff; font-family:'IBM Plex Mono',monospace; font-weight:500; text-align:right; padding:10px 14px; font-size:11px; letter-spacing:.03em; text-transform:uppercase;}
  thead th:first-child, tbody td:first-child{text-align:left;}
  tbody td{padding:9px 14px; text-align:right; border-top:1px solid var(--line); font-family:'IBM Plex Mono',monospace; color:var(--ink-soft);}
  tbody tr:nth-child(even){background:var(--bg);}
  tbody td:first-child{color:var(--ink); font-weight:600;}

  /* ---------------- Form-style calculators (Net Worth / Budget) ---------------- */
  .form-section-title{font-size:14px; font-weight:700; color:var(--navy); margin:0 0 14px; display:flex; align-items:center; gap:8px;}
  .form-section-title .dot{width:9px; height:9px; border-radius:50%; flex-shrink:0;}
  .form-row{display:flex; align-items:center; justify-content:space-between; gap:14px; margin-bottom:14px;}
  .form-row label{font-size:13.5px; color:var(--ink-soft); flex:1;}
  .form-row .field-value{width:150px; flex-shrink:0;}
  .form-row .field-value input{width:100%;}
  .form-total{display:flex; justify-content:space-between; align-items:center; padding-top:14px; margin-top:6px; border-top:1px dashed var(--line); font-size:14px; font-weight:700; color:var(--navy);}

  .compare-row{margin-bottom:16px;}
  .compare-label{display:flex; justify-content:space-between; font-size:12.5px; color:var(--ink-soft); margin-bottom:6px;}
  .compare-label b{color:var(--ink);}
  .compare-track{background:var(--card); border:1px solid var(--line); border-radius:6px; height:12px; overflow:hidden; position:relative;}
  .compare-fill{height:100%; border-radius:6px; transition:width .4s ease;}
  .compare-marker{position:absolute; top:-3px; bottom:-3px; width:2px; background:var(--ink);}

  /* ---------------- Guide pages (Stock / Investment / Blog) ---------------- */
  .guide-hero{background:linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%); color:#fff; text-align:center; padding:44px 30px; border-radius:var(--radius); margin-bottom:26px;}
  .guide-hero h2{font-size:clamp(22px,3.4vw,30px); font-weight:800; margin:0 0 12px; letter-spacing:-0.01em;}
  .guide-hero p{font-size:15px; color:#CBD9E3; max-width:60ch; margin:0 auto; line-height:1.6;}

  /* ---------------- Contact Us ---------------- */
  .contact-text{
    width:100%; padding:11px 13px; border:1px solid var(--line); border-radius:8px; background:var(--bg);
    font-family:inherit; font-size:14px; color:var(--ink); outline:none;
  }
  .contact-text:focus{border-color:var(--navy);}
  .contact-textarea{resize:vertical; min-height:120px; font-family:inherit;}
  .contact-submit{
    appearance:none; border:none; cursor:pointer; background:var(--green); color:#fff;
    font-family:inherit; font-size:14px; font-weight:700; padding:12px 24px; border-radius:9px;
    margin-top:4px;
  }
  .contact-submit:hover{background:#176b3a;}
  .contact-note{font-size:12.5px; color:var(--ink-soft); margin:12px 0 0;}
  .contact-info-row{padding:14px 0; border-bottom:1px dashed var(--line);}
  .contact-info-row:last-child{border-bottom:none;}
  .contact-info-row .l{font-size:10.5px; color:var(--ink-faint); font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.04em; margin-bottom:5px;}
  .contact-info-row .v{font-size:14px; color:var(--ink); font-weight:600; line-height:1.5;}

  .guide-tabs{display:flex; gap:10px; margin-bottom:22px; flex-wrap:wrap;}
  .guide-tab-btn{appearance:none; cursor:pointer; font-family:inherit; font-size:14px; font-weight:700; padding:12px 22px; border-radius:9px; border:1px solid var(--line); background:var(--card); color:var(--ink); transition:background .15s ease, color .15s ease, border-color .15s ease;}
  .guide-tab-btn[data-active="true"]{background:var(--green); border-color:var(--green); color:#fff;}
  .guide-tab-btn:hover:not([data-active="true"]){border-color:var(--green); color:var(--green);}

  .term-list{display:flex; flex-direction:column; gap:12px; margin-bottom:56px;}
  .term-item{border:1px solid var(--line); border-radius:11px; background:var(--card); box-shadow:var(--shadow); overflow:hidden;}
  .term-head{display:flex; align-items:center; justify-content:space-between; gap:12px; padding:19px 22px; cursor:pointer; appearance:none; border:none; background:none; width:100%; font-family:inherit; text-align:left;}
  .term-name{font-weight:700; color:var(--navy); font-size:15.5px;}
  .term-sub{font-weight:400; color:var(--ink-faint); font-size:13.5px; margin-left:6px;}
  .term-toggle{font-size:19px; line-height:1; color:var(--ink-faint); width:24px; height:24px; flex-shrink:0; display:flex; align-items:center; justify-content:center; transition:transform .2s ease, color .2s ease;}
  .term-item[data-open="true"] .term-toggle{transform:rotate(45deg); color:var(--green);}
  .term-body{max-height:0; overflow:hidden; transition:max-height .28s ease; padding:0 22px;}
  .term-body-inner{padding-bottom:22px;}
  .term-body p{margin:0 0 14px; font-size:14px; color:var(--ink-soft); line-height:1.65;}
  .term-formula{background:var(--bg); border:1px solid var(--line); border-radius:8px; padding:12px 14px; margin-bottom:14px;}
  .term-formula .fl{font-size:10.5px; text-transform:uppercase; letter-spacing:.06em; color:var(--ink-faint); display:block; margin-bottom:5px; font-family:'Inter',sans-serif; font-weight:700;}
  .term-formula code{font-family:'IBM Plex Mono',monospace; font-size:13px; color:var(--navy); font-weight:600;}
  .term-example{font-size:13.5px; color:var(--ink-soft); line-height:1.65; background:var(--green-soft); border-radius:8px; padding:12px 14px; margin:0;}
  .term-example .el{font-weight:700; color:var(--green); margin-right:5px;}

  /* ---------------- Footer ---------------- */
  footer.site-footer{background:var(--navy-deep); color:#CBD9E3; margin-top:20px;}
  .footer-inner{max-width:1100px; margin:0 auto; padding:48px 24px 26px; display:grid; grid-template-columns:1.3fr 1fr 1fr 1fr; gap:28px;}
  @media (max-width:760px){ .footer-inner{grid-template-columns:1fr 1fr; gap:26px;} }
  @media (max-width:520px){ .footer-inner{grid-template-columns:1fr;} }
  .footer-brand{font-size:17px; font-weight:800; color:#fff; margin-bottom:10px;}
  .footer-desc{font-size:13px; line-height:1.6; color:#9FB4C4; max-width:34ch;}
  .footer-col h4{font-size:11.5px; letter-spacing:.08em; text-transform:uppercase; color:#7C97A8; margin:0 0 14px;}
  .footer-col a{display:block; font-size:13.5px; color:#CBD9E3; margin-bottom:10px; cursor:pointer;}
  .footer-col a:hover{color:#fff;}
  .footer-bottom{border-top:1px solid rgba(255,255,255,.1); padding:18px 24px; max-width:1100px; margin:0 auto; display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; font-size:12px; color:#7C97A8;}

  .accent-green{--accent:#1E8449;}
  .accent-navy{--accent:#1B4965;}
  .accent-orange{--accent:#C1662E;}
  .accent-teal{--accent:#0F7A72;}
  .accent-violet{--accent:#6A4C93;}
  .accent-slate{--accent:#46586B;}
  .accent-mustard{--accent:#B98900;}
  .accent-maroon{--accent:#8C3B3B;}
/* ---------------- Article calculator CTA links ---------------- */
.article-calc-links{display:flex; flex-wrap:wrap; gap:10px; margin-top:18px;}
.article-calc-links a{background:var(--navy); color:#fff; font-size:13.5px; font-weight:600; padding:9px 16px; border-radius:20px; display:inline-flex; align-items:center; gap:6px; text-decoration:none; transition:background .15s ease;}
.article-calc-links a:hover{background:var(--navy-deep);}
.article-calc-links a .arrow{font-size:13px;}