/* =====================================================
   BuildMyAsset — Stylesheet v2.0
   Theme: Modern Fintech — Cream + Ink + Gold + Blue
   ===================================================== */

/* ---- CSS Variables ---- */
:root {
  /* Base Palette */
  --cream:       #F5F0E8;
  --cream-dark:  #EDE8DC;
  --ink:         #1A1714;
  --ink-mid:     #3D3830;
  --ink-light:   #7A7268;

  /* Gold */
  --gold:        #D4A843;
  --gold-light:  #F5ECD4;

  /* Primary Blue (trust + CTAs) */
  --blue:        #2563EB;
  --blue-hover:  #1D4ED8;
  --blue-light:  #EFF6FF;

  /* Traffic Lights */
  --green:       #16A34A;
  --green-bg:    #EAF5EE;
  --green-mid:   #22C55E;
  --yellow:      #CA8A04;
  --yellow-bg:   #FEF9C3;
  --yellow-mid:  #EAB308;
  --red:         #DC2626;
  --red-bg:      #FEF2F2;
  --red-mid:     #EF4444;

  /* UI */
  --card-bg:     #FFFFFF;
  --shadow-sm:   0 2px 8px rgba(26,23,20,0.07);
  --shadow-md:   0 6px 24px rgba(26,23,20,0.10);
  --shadow-lg:   0 16px 48px rgba(26,23,20,0.13);
  --shadow-blue: 0 8px 32px rgba(37,99,235,0.28);
  --radius:      14px;
  --radius-sm:   8px;
  --radius-lg:   20px;
  --transition:  0.25s cubic-bezier(0.4,0,0.2,1);
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--cream);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* ---- Layout Container ---- */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* =====================================================
   NAVIGATION
   ===================================================== */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  transition: background var(--transition), box-shadow var(--transition);
}

.nav.scrolled {
  background: rgba(20, 18, 16, 0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.06);
}

.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'DM Serif Display', serif;
  font-size: 20px;
  color: #fff;
  text-decoration: none;
  letter-spacing: -0.01em;
  flex-shrink: 0;
}
.nav-logo span { color: var(--gold); }
.logo-icon { flex-shrink: 0; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color var(--transition);
}
.nav-link:hover { color: #fff; }

.nav-cta {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  background: var(--blue);
  padding: 9px 22px;
  border-radius: 100px;
  text-decoration: none;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  letter-spacing: -0.01em;
}
.nav-cta:hover {
  background: var(--blue-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-blue);
}

.nav-mobile-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-mobile-btn span {
  display: block;
  width: 22px;
  height: 2px;
  background: rgba(255,255,255,0.8);
  border-radius: 2px;
  transition: all var(--transition);
}

/* =====================================================
   HERO
   ===================================================== */
.hero {
  position: relative;
  background: var(--ink);
  color: #fff;
  padding: 160px 24px 110px;
  text-align: center;
  overflow: hidden;
  min-height: 92vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.hero-glow {
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 900px;
  height: 600px;
  background: radial-gradient(ellipse at 50% 0%,
    rgba(212,168,67,0.2) 0%,
    rgba(37,99,235,0.1) 40%,
    transparent 70%);
  pointer-events: none;
}

.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 80px;
  background: var(--cream);
  clip-path: ellipse(55% 100% at 50% 100%);
}

.hero-inner {
  position: relative;
  max-width: 780px;
  margin: 0 auto;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(212,168,67,0.3);
  background: rgba(212,168,67,0.08);
  padding: 8px 20px;
  border-radius: 100px;
  margin-bottom: 36px;
  animation: fadeDown 0.7s ease both;
}

.badge-dot {
  width: 7px;
  height: 7px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s ease infinite;
}

.hero-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(38px, 7vw, 76px);
  line-height: 1.07;
  color: #fff;
  margin-bottom: 28px;
  letter-spacing: -0.025em;
  animation: fadeDown 0.7s 0.1s ease both;
}

.hero-title em {
  font-style: italic;
  background: linear-gradient(135deg, var(--gold) 0%, #F5C842 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: clamp(16px, 2.5vw, 20px);
  font-weight: 400;
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin: 0 auto 44px;
  line-height: 1.75;
  animation: fadeDown 0.7s 0.2s ease both;
}
.hero-sub strong { color: rgba(255,255,255,0.92); font-weight: 600; }

.hero-cta-group {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
  animation: fadeDown 0.7s 0.3s ease both;
}

.btn-hero {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--blue);
  color: #fff;
  font-family: 'DM Sans', sans-serif;
  font-size: 17px;
  font-weight: 700;
  padding: 18px 36px;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all var(--transition);
  box-shadow: var(--shadow-blue);
  letter-spacing: -0.01em;
}
.btn-hero:hover {
  background: var(--blue-hover);
  transform: translateY(-3px);
  box-shadow: 0 14px 44px rgba(37,99,235,0.45);
}

.btn-arrow {
  font-size: 20px;
  transition: transform var(--transition);
}
.btn-hero:hover .btn-arrow { transform: translateX(5px); }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  padding: 18px 28px;
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  transition: all var(--transition);
}
.btn-ghost:hover {
  color: #fff;
  border-color: rgba(255,255,255,0.4);
  background: rgba(255,255,255,0.05);
}

.hero-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  font-weight: 500;
  animation: fadeDown 0.7s 0.4s ease both;
}

.hero-scroll-hint {
  position: absolute;
  bottom: 96px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  color: rgba(255,255,255,0.28);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  animation: heroScroll 2.5s 1.5s ease infinite;
}

/* =====================================================
   SCROLL REVEAL
   ===================================================== */
.reveal-item {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.reveal-item.visible {
  opacity: 1;
  transform: translateY(0);
}
/* Stagger siblings */
.problem-grid  .reveal-item:nth-child(2) { transition-delay: 0.1s; }
.problem-grid  .reveal-item:nth-child(3) { transition-delay: 0.2s; }
.steps-grid    .reveal-item:nth-child(3) { transition-delay: 0.1s; }
.steps-grid    .reveal-item:nth-child(5) { transition-delay: 0.2s; }
.features-grid .reveal-item:nth-child(2) { transition-delay: 0.08s; }
.features-grid .reveal-item:nth-child(3) { transition-delay: 0.16s; }
.features-grid .reveal-item:nth-child(4) { transition-delay: 0.24s; }
.features-grid .reveal-item:nth-child(5) { transition-delay: 0.32s; }
.features-grid .reveal-item:nth-child(6) { transition-delay: 0.40s; }

/* =====================================================
   SECTION COMMONS
   ===================================================== */
.section-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 16px;
}

.section-heading {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(28px, 4vw, 46px);
  line-height: 1.12;
  color: var(--ink);
  letter-spacing: -0.025em;
  margin-bottom: 56px;
}


/* =====================================================
   STATS STRIP
   ===================================================== */
.stats-strip {
  background: var(--ink);
  padding: 0;
  position: relative;
  z-index: 1;
}
.stats-strip-inner {
  display: flex;
  align-items: stretch;
  justify-content: center;
  border-top: 1px solid rgba(255,255,255,0.07);
}
.strip-stat {
  flex: 1;
  text-align: center;
  padding: 36px 24px;
  transition: background var(--transition);
}
.strip-stat:hover { background: rgba(255,255,255,0.04); }
.strip-number {
  font-family: "DM Serif Display", serif;
  font-size: clamp(28px, 4vw, 44px);
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
  letter-spacing: -0.02em;
}
.strip-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}
.strip-divider {
  width: 1px;
  background: rgba(255,255,255,0.07);
  align-self: stretch;
  margin: 20px 0;
}
@media (max-width: 600px) {
  .stats-strip-inner { display: grid; grid-template-columns: 1fr 1fr; }
  .strip-divider { display: none; }
  .strip-stat { border: 1px solid rgba(255,255,255,0.06); margin: -0.5px; }
}

/* =====================================================
   PROBLEM SECTION
   ===================================================== */
.problem-section {
  padding: 96px 0;
  background: var(--cream);
}

.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 36px;
}

.problem-card {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.problem-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(220,38,38,0.15);
}

.problem-icon { font-size: 36px; }

.problem-card h3 {
  font-size: 15.5px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.45;
}

.problem-card p {
  font-size: 14px;
  color: var(--ink-light);
  line-height: 1.7;
  flex: 1;
}

.problem-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
  width: fit-content;
  margin-top: 4px;
}

.danger-tag {
  background: var(--red-bg);
  color: var(--red);
  border: 1px solid rgba(220,38,38,0.2);
}

.problem-stat {
  background: var(--ink);
  color: rgba(255,255,255,0.82);
  border-radius: var(--radius-lg);
  padding: 28px 40px;
  font-size: 16px;
  line-height: 1.65;
  text-align: center;
}
.problem-stat strong {
  color: var(--gold);
  font-size: 18px;
  font-weight: 700;
}

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-section {
  padding: 96px 0;
  background: var(--cream-dark);
}

.steps-grid {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 8px;
}

.step-card {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  flex: 1;
  max-width: 300px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}

.step-number {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--blue);
  background: var(--blue-light);
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 18px;
}

.step-icon { font-size: 40px; margin-bottom: 16px; }

.step-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}

.step-card p {
  font-size: 14px;
  color: var(--ink-light);
  line-height: 1.65;
}
.step-card p strong { color: var(--ink-mid); }

.step-connector {
  font-size: 26px;
  color: var(--blue);
  padding: 0 4px;
  margin-top: 90px;
  opacity: 0.35;
  font-weight: 300;
  flex-shrink: 0;
}

/* =====================================================
   FEATURES
   ===================================================== */
.features-section {
  padding: 96px 0;
  background: var(--cream);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.feature-card {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(37,99,235,0.15);
}

.feature-icon-wrap {
  width: 52px;
  height: 52px;
  background: var(--fc, #EFF6FF);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 18px;
}

.feature-card h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}

.feature-card p {
  font-size: 14px;
  color: var(--ink-light);
  line-height: 1.65;
}

/* =====================================================
   PROOF SECTION
   ===================================================== */
.proof-section {
  padding: 96px 0;
  background: var(--ink);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.proof-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(212,168,67,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(212,168,67,0.04) 1px, transparent 1px);
  background-size: 64px 64px;
  pointer-events: none;
}

.proof-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.quote-mark {
  font-family: 'DM Serif Display', serif;
  font-size: 96px;
  line-height: 0.65;
  color: var(--gold);
  margin-bottom: 24px;
  opacity: 0.7;
}

blockquote {
  font-size: 18px;
  line-height: 1.8;
  color: rgba(255,255,255,0.82);
  font-weight: 400;
  margin-bottom: 32px;
}

.quote-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--gold), var(--blue));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'DM Serif Display', serif;
  font-size: 20px;
  color: #fff;
  flex-shrink: 0;
}

.quote-author strong {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: #fff;
}
.quote-author span {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}

.proof-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255,255,255,0.08);
  overflow: hidden;
}

.stat-item {
  padding: 34px 24px;
  background: rgba(255,255,255,0.03);
  text-align: center;
  transition: background var(--transition);
}
.stat-item:hover { background: rgba(255,255,255,0.07); }

.stat-number {
  font-family: 'DM Serif Display', serif;
  font-size: 44px;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}

/* =====================================================
   MAIN WRAP / FORM SECTION
   ===================================================== */
.main-wrap {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px 80px;
}

.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(26px, 4vw, 36px);
  color: var(--ink);
  margin-bottom: 40px;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.form-section { padding-top: 80px; }

.form-group-header {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin: 36px 0 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.form-group-header::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--cream-dark);
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 20px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

label {
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-mid);
  display: flex;
  align-items: center;
  gap: 6px;
}

label .unit {
  font-size: 11px;
  font-weight: 500;
  color: var(--ink-light);
  background: var(--cream-dark);
  padding: 1px 7px;
  border-radius: 4px;
}

input[type="number"],
input[type="email"] {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-sm);
  background: var(--card-bg);
  color: var(--ink);
  font-family: 'DM Sans', sans-serif;
  font-size: 16px; /* 16px prevents iOS Safari auto-zoom on focus */
  font-weight: 500;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
  outline: none;
  -moz-appearance: textfield;
}
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; }

input[type="number"]:focus,
input[type="email"]:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
  transform: translateY(-1px);
}

input.invalid {
  border-color: var(--red-mid);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}

.field-hint {
  font-size: 11.5px;
  color: var(--ink-light);
}

.form-submit-row {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  margin-top: 44px;
}

.form-trust-note {
  font-size: 12.5px;
  color: var(--ink-light);
}

/* CTA Button */
.cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--blue);
  color: #fff;
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  font-weight: 700;
  padding: 17px 36px;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  box-shadow: var(--shadow-blue);
  letter-spacing: -0.01em;
}
.cta-btn:hover {
  background: var(--blue-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(37,99,235,0.38);
}
.cta-btn:active { transform: translateY(0); }

.cta-btn .btn-icon {
  font-size: 18px;
  transition: transform var(--transition);
}
.cta-btn:hover .btn-icon { transform: translateX(4px); }

.cta-secondary {
  background: transparent;
  color: var(--ink);
  border: 1.5px solid var(--cream-dark);
  box-shadow: none;
  margin-top: 16px;
  font-size: 14px;
  padding: 13px 28px;
}
.cta-secondary:hover {
  background: var(--cream-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

/* =====================================================
   RESULTS
   ===================================================== */
.results-section {
  padding-top: 80px;
  animation: fadeUp 0.5s ease both;
}

.decision-card {
  display: flex;
  align-items: center;
  gap: 24px;
  padding: 32px 36px;
  border-radius: var(--radius-lg);
  margin-bottom: 24px;
  animation: scaleIn 0.4s cubic-bezier(0.34,1.56,0.64,1) both;
}
.decision-card.safe   { background: var(--green-bg); border: 2px solid rgba(22,163,74,0.25); }
.decision-card.risky  { background: var(--yellow-bg); border: 2px solid rgba(202,138,4,0.25); }
.decision-card.danger { background: var(--red-bg);   border: 2px solid rgba(220,38,38,0.25); }

.decision-icon { font-size: 52px; line-height: 1; }

.decision-label {
  font-family: 'DM Serif Display', serif;
  font-size: 32px;
  line-height: 1.1;
}
.decision-card.safe   .decision-label { color: var(--green); }
.decision-card.risky  .decision-label { color: var(--yellow); }
.decision-card.danger .decision-label { color: var(--red); }

.decision-confidence {
  font-size: 13px;
  font-weight: 500;
  margin-top: 4px;
  color: var(--ink-light);
}

.summary-box {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  padding: 24px 28px;
  font-size: 15px;
  line-height: 1.75;
  color: var(--ink-mid);
  margin-bottom: 36px;
  box-shadow: var(--shadow-sm);
}

.metrics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 16px;
  margin-bottom: 36px;
}

.metric-card {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
  text-align: center;
}
.metric-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.metric-icon { font-size: 24px; margin-bottom: 10px; }

.metric-value {
  font-family: 'DM Serif Display', serif;
  font-size: 22px;
  color: var(--ink);
  margin-bottom: 4px;
}

.metric-label {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-light);
}

/* DTI Bar */
.dti-bar-section {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 36px;
  box-shadow: var(--shadow-sm);
}

.dti-bar-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-mid);
}

.dti-track {
  position: relative;
  height: 12px;
  background: var(--cream-dark);
  border-radius: 100px;
  overflow: visible;
  margin-bottom: 8px;
}

.dti-fill {
  height: 100%;
  border-radius: 100px;
  transition: width 1.3s cubic-bezier(0.4,0,0.2,1);
  width: 0%;
}
.dti-fill.safe   { background: linear-gradient(90deg, #16A34A, #4ADE80); }
.dti-fill.risky  { background: linear-gradient(90deg, #CA8A04, #FACC15); }
.dti-fill.danger { background: linear-gradient(90deg, #DC2626, #F87171); }

.dti-marker {
  position: absolute;
  top: -20px;
  transform: translateX(-50%);
  font-size: 11px;
  font-weight: 600;
  color: var(--ink-light);
}
.dti-marker::after {
  content: '';
  position: absolute;
  top: 22px; left: 50%;
  transform: translateX(-50%);
  width: 1px;
  height: 18px;
  background: var(--ink-light);
  opacity: 0.4;
}

.dti-zones {
  display: flex;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-top: 4px;
}
.zone-safe   { flex: 35; color: var(--green); }
.zone-risky  { flex: 15; color: var(--yellow); }
.zone-danger { flex: 50; color: var(--red); text-align: right; }

/* Flags */
.flags-section {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  padding: 28px 28px 20px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 24px;
}

.flags-title {
  font-family: 'DM Serif Display', serif;
  font-size: 22px;
  color: var(--ink);
  margin-bottom: 20px;
}

.flags-list { display: flex; flex-direction: column; gap: 12px; }

.flag-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  line-height: 1.65;
  animation: fadeUp 0.4s ease both;
}
.flag-item.success { background: var(--green-bg);  color: #0F5132; border-left: 3px solid var(--green-mid); }
.flag-item.warning { background: var(--yellow-bg); color: #6B4800; border-left: 3px solid var(--yellow-mid); }
.flag-item.danger  { background: var(--red-bg);    color: #7B1A12; border-left: 3px solid var(--red-mid); }

.flag-emoji { font-size: 20px; flex-shrink: 0; margin-top: 1px; }

/* =====================================================
   EMAIL CAPTURE
   ===================================================== */
.email-capture-card {
  background: linear-gradient(135deg, #1E3A8A 0%, #2563EB 100%);
  border-radius: var(--radius-lg);
  padding: 32px 36px;
  margin-bottom: 24px;
  box-shadow: var(--shadow-blue);
  position: relative;
  overflow: hidden;
}
.email-capture-card::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.email-capture-card::after {
  content: '';
  position: absolute;
  bottom: -40px; left: 20%;
  width: 160px; height: 160px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
  pointer-events: none;
}

.email-capture-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
}

.email-capture-icon { font-size: 36px; }

.email-capture-text h3 {
  font-size: 17px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 5px;
}
.email-capture-text p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
}

.email-form { display: flex; gap: 8px; }

.email-form input[type="email"] {
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid rgba(255,255,255,0.2);
  font-size: 16px; /* prevents iOS auto-zoom */
  background: rgba(255,255,255,0.12);
  color: #fff;
  width: 210px;
  transform: none;
}
.email-form input[type="email"]::placeholder { color: rgba(255,255,255,0.45); }
.email-form input[type="email"]:focus {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.5);
  box-shadow: none;
  transform: none;
}

.email-submit-btn {
  padding: 12px 20px;
  background: #fff;
  color: var(--blue);
  border: none;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  font-family: 'DM Sans', sans-serif;
}
.email-submit-btn:hover {
  background: #F0F9FF;
  transform: translateY(-1px);
}

/* =====================================================
   BOTTOM CTA
   ===================================================== */
.bottom-cta {
  padding: 96px 0;
  background: var(--ink);
  position: relative;
  overflow: hidden;
}
.bottom-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(37,99,235,0.18) 0%, transparent 60%);
  pointer-events: none;
}

.bottom-cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 620px;
  margin: 0 auto;
}

.bottom-cta-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.bottom-cta-inner h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(28px, 4vw, 48px);
  color: #fff;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 20px;
}

.bottom-cta-inner p {
  font-size: 17px;
  color: rgba(255,255,255,0.55);
  line-height: 1.75;
  margin-bottom: 40px;
}

.bottom-cta-trust {
  margin-top: 24px;
  font-size: 13px;
  color: rgba(255,255,255,0.3);
  letter-spacing: 0.04em;
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
  background: #100F0D;
  color: rgba(255,255,255,0.45);
  padding: 64px 0 32px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 80px;
  margin-bottom: 48px;
}

.footer-logo {
  font-family: 'DM Serif Display', serif;
  font-size: 24px;
  color: #fff;
  margin-bottom: 14px;
}
.footer-logo span { color: var(--gold); }

.footer-brand p {
  font-size: 14px;
  line-height: 1.65;
  max-width: 280px;
}

.footer-links { display: flex; gap: 56px; }

.footer-col {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col h4 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  margin-bottom: 6px;
}

.footer-col a {
  font-size: 14px;
  color: rgba(255,255,255,0.38);
  text-decoration: none;
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col a:hover { color: rgba(255,255,255,0.75); }

.coming-soon {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(212,168,67,0.12);
  padding: 1px 7px;
  border-radius: 4px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 28px;
  text-align: center;
  font-size: 12px;
  line-height: 1.75;
  color: rgba(255,255,255,0.22);
}
.footer-calc-note { margin-top: 4px; }

/* =====================================================
   MOBILE STICKY CTA
   ===================================================== */
.mobile-sticky {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  padding: 12px 16px 16px;
  background: rgba(20, 18, 16, 0.96);
  backdrop-filter: blur(10px);
  box-shadow: 0 -4px 28px rgba(0,0,0,0.25);
  z-index: 998;
  transform: translateY(100%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
}
.mobile-sticky.visible { transform: translateY(0); }

.mobile-sticky-btn {
  display: block;
  width: 100%;
  text-align: center;
  background: var(--blue);
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  padding: 15px 24px;
  border-radius: var(--radius);
  text-decoration: none;
  transition: background var(--transition);
  font-family: 'DM Sans', sans-serif;
}

/* =====================================================
   TOAST
   ===================================================== */
.toast {
  position: fixed;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%) translateY(16px);
  background: var(--ink);
  color: #fff;
  padding: 14px 28px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 600;
  box-shadow: var(--shadow-lg);
  z-index: 9999;
  opacity: 0;
  transition: all 0.3s ease;
  white-space: nowrap;
  pointer-events: none;
}
.toast.show {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

/* =====================================================
   ANIMATIONS
   ===================================================== */
@keyframes fadeDown {
  from { opacity: 0; transform: translateY(-20px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.93); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.5; transform: scale(1.5); }
}
@keyframes heroScroll {
  0%, 100% { transform: translateX(-50%) translateY(0); opacity: 0.28; }
  50%       { transform: translateX(-50%) translateY(7px); opacity: 0.5; }
}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .problem-grid  { grid-template-columns: repeat(2, 1fr); }
  .proof-inner   { grid-template-columns: 1fr; gap: 56px; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-mobile-btn { display: flex; }

  .hero { padding: 130px 20px 80px; min-height: auto; }
  .hero-cta-group { flex-direction: column; align-items: stretch; }
  .btn-hero, .btn-ghost { justify-content: center; text-align: center; }

  .steps-grid { flex-direction: column; align-items: center; }
  .step-connector { transform: rotate(90deg); margin: -10px 0; }
  .step-card { max-width: 100%; width: 100%; }

  .email-capture-inner { grid-template-columns: 1fr; gap: 16px; }
  .email-form { flex-direction: column; }
  .email-form input[type="email"] { width: 100%; }

  .footer-inner { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { flex-wrap: wrap; gap: 32px; }

  .mobile-sticky { display: block; }
}

@media (max-width: 600px) {
  .problem-grid  { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }

  .form-grid     { grid-template-columns: 1fr; }
  .metrics-grid  { grid-template-columns: repeat(2, 1fr); }
  .decision-card { flex-direction: column; text-align: center; gap: 14px; }
  .cta-btn       { width: 100%; justify-content: center; }

  .proof-stats   { grid-template-columns: 1fr 1fr; }
  .hero-trust    { flex-direction: column; gap: 8px; }
  .section-heading { margin-bottom: 36px; }
}

@media (max-width: 480px) {
  .hero { padding: 110px 16px 70px; }
  .problem-section, .how-section, .features-section,
  .proof-section, .bottom-cta { padding: 64px 0; }
  .metrics-grid { grid-template-columns: 1fr; }
}

/* =====================================================
   MOBILE NAV OPEN STATE
   ===================================================== */
.nav-links.mobile-open {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 68px; left: 0; right: 0;
  background: rgba(20,18,16,0.97);
  backdrop-filter: blur(16px);
  padding: 20px 24px 28px;
  gap: 20px;
  border-top: 1px solid rgba(255,255,255,0.06);
  z-index: 999;
}
.nav-links.mobile-open .nav-link { font-size: 16px; }
.nav-links.mobile-open .nav-cta  { text-align: center; padding: 14px 24px; border-radius: var(--radius); }

/* =====================================================
   TOOLS / CALCULATORS SECTION
   ===================================================== */
.tools-section {
  padding: 96px 0;
  background: var(--cream-dark);
}

.tools-sub {
  font-size: 17px;
  color: var(--ink-light);
  margin-top: -36px;
  margin-bottom: 44px;
  line-height: 1.6;
}

/* Tabs */
.tools-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
  background: var(--cream);
  padding: 6px;
  border-radius: var(--radius);
  width: fit-content;
  box-shadow: var(--shadow-sm);
}

.tool-tab {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-light);
  background: transparent;
  border: none;
  padding: 10px 20px;
  border-radius: 10px;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.tool-tab:hover { color: var(--ink); background: var(--cream-dark); }
.tool-tab.active {
  background: var(--card-bg);
  color: var(--blue);
  box-shadow: var(--shadow-sm);
}

/* Panel */
.tool-panel {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
  animation: fadeUp 0.35s ease both;
}

.tool-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

/* Inputs side */
.tool-inputs { display: flex; flex-direction: column; gap: 32px; }

.tool-field { display: flex; flex-direction: column; gap: 10px; }

.tool-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.tool-label-row label {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink-mid);
}
.tool-value-display {
  font-size: 14px;
  font-weight: 700;
  color: var(--blue);
  background: var(--blue-light);
  padding: 3px 12px;
  border-radius: 100px;
  min-width: 80px;
  text-align: center;
}

/* Slider */
.tool-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  border-radius: 100px;
  background: linear-gradient(
    to right,
    var(--blue) 0%,
    var(--blue) var(--pct, 50%),
    var(--cream-dark) var(--pct, 50%),
    var(--cream-dark) 100%
  );
  outline: none;
  cursor: pointer;
  touch-action: pan-y; /* allows vertical scroll while dragging horizontal slider on mobile */
  transition: background var(--transition);
  /* larger tap area on mobile without changing visual height */
  padding: 10px 0;
  margin: -10px 0;
  box-sizing: content-box;
}
.tool-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--blue);
  border: 3px solid #fff;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 10px rgba(37,99,235,0.35);
  transition: transform var(--transition), box-shadow var(--transition);
}
.tool-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 4px 16px rgba(37,99,235,0.5);
}
.tool-slider::-moz-range-thumb {
  width: 20px; height: 20px;
  background: var(--blue);
  border: 3px solid #fff;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 10px rgba(37,99,235,0.35);
}

.tool-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--ink-light);
  font-weight: 500;
}

/* Result side */
.tool-result {
  display: flex;
  flex-direction: column;
  gap: 24px;
  background: var(--cream);
  border-radius: var(--radius);
  padding: 28px;
  border: 1.5px solid var(--cream-dark);
}

.tool-result-main { text-align: center; }

.tool-result-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin-bottom: 8px;
}

.tool-result-value {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(28px, 4vw, 44px);
  color: var(--blue);
  letter-spacing: -0.02em;
  line-height: 1;
}

.tool-result-breakdown { display: flex; flex-direction: column; gap: 10px; }

.tool-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13.5px;
  color: var(--ink-mid);
  padding: 8px 0;
  border-bottom: 1px solid var(--cream-dark);
}
.tool-result-row:last-of-type { border-bottom: none; }
.tool-result-row strong { font-weight: 700; color: var(--ink); }

.highlight-row strong { color: var(--blue); font-size: 15px; }

.positive { color: var(--green) !important; }
.negative { color: var(--red) !important; }

/* Result bar */
.tool-result-bar {
  display: flex;
  height: 8px;
  border-radius: 100px;
  overflow: hidden;
  margin-top: 4px;
}
.result-bar-invested {
  background: var(--blue);
  border-radius: 100px 0 0 100px;
  transition: width 0.8s cubic-bezier(0.4,0,0.2,1);
}
.result-bar-returns {
  background: var(--green-mid);
  border-radius: 0 100px 100px 0;
  transition: width 0.8s cubic-bezier(0.4,0,0.2,1);
}
.tool-result-bar-labels {
  display: flex;
  justify-content: space-between;
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ink-light);
}

.tool-cta {
  display: block;
  text-align: center;
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
  text-decoration: none;
  padding: 12px;
  border: 1.5px solid rgba(37,99,235,0.2);
  border-radius: var(--radius-sm);
  background: var(--blue-light);
  transition: all var(--transition);
}
.tool-cta:hover {
  background: rgba(37,99,235,0.12);
  border-color: var(--blue);
}

/* =====================================================
   INVESTMENT COMPARISON
   ===================================================== */
.invest-compare {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
  animation: fadeUp 0.5s ease both;
}

.invest-compare-header {
  margin-bottom: 28px;
}
.invest-compare-header h3 {
  font-family: 'DM Serif Display', serif;
  font-size: 24px;
  color: var(--ink);
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.invest-compare-header p {
  font-size: 14px;
  color: var(--ink-light);
  line-height: 1.5;
}

.invest-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 20px;
}

.invest-card {
  background: var(--cream);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius);
  padding: 20px 16px;
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.invest-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.invest-card-highlight {
  background: var(--blue-light);
  border-color: rgba(37,99,235,0.25);
}

.invest-card-head {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 4px;
}

.invest-icon { font-size: 26px; flex-shrink: 0; }

.invest-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.3;
}

.invest-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 2px 8px;
  border-radius: 4px;
  margin-top: 4px;
}
.tag-gold {
  background: rgba(212,168,67,0.15);
  color: #92600A;
  border: 1px solid rgba(212,168,67,0.3);
}
.tag-blue {
  background: var(--blue-light);
  color: var(--blue);
  border: 1px solid rgba(37,99,235,0.2);
}

.invest-value {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(20px, 3vw, 28px);
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1;
}
.invest-card-highlight .invest-value { color: var(--blue); }

.invest-sub {
  font-size: 11px;
  color: var(--ink-light);
  font-weight: 500;
}

.invest-detail {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 11.5px;
  color: var(--ink-light);
  padding-top: 8px;
  border-top: 1px solid var(--cream-dark);
  margin-top: 4px;
  flex-wrap: wrap;
  gap: 4px;
}

.gain-pos { color: var(--green); font-weight: 700; }
.gain-neg { color: var(--red);   font-weight: 700; }

.invest-note {
  font-size: 11px;
  color: var(--ink-light);
  line-height: 1.5;
  font-style: italic;
}

.invest-disclaimer {
  font-size: 12px;
  color: var(--ink-light);
  line-height: 1.5;
  padding: 12px 16px;
  background: var(--yellow-bg);
  border: 1px solid rgba(202,138,4,0.2);
  border-radius: var(--radius-sm);
}

/* =====================================================
   RESPONSIVE — TOOLS + INVEST COMPARE
   ===================================================== */
@media (max-width: 1024px) {
  .invest-cards { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .tool-grid   { grid-template-columns: 1fr; gap: 28px; }
  .tool-panel  { padding: 24px; }
  .tools-tabs  { width: 100%; }
  .tool-tab    { flex: 1; text-align: center; padding: 10px 12px; font-size: 13px; }
  .invest-cards { grid-template-columns: repeat(2, 1fr); }

  /* Larger slider thumb for finger tap accuracy */
  .tool-slider::-webkit-slider-thumb { width: 28px; height: 28px; }
  .tool-slider::-moz-range-thumb { width: 26px; height: 26px; }
}

@media (max-width: 500px) {
  .invest-cards { grid-template-columns: 1fr; }
  .tools-tabs   { flex-wrap: wrap; }
}

/* =====================================================
   CHECK PAGE
   ===================================================== */
body.check-page {
  background: var(--cream);
}

.check-page .nav { position: sticky; }

.check-page-header {
  background: var(--ink);
  padding: 100px 24px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.check-page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(212,168,67,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.check-page-header::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 60px;
  background: var(--cream);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.check-page-header-inner {
  position: relative;
  z-index: 1;
  max-width: 600px;
  margin: 0 auto;
}
.check-page-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.check-page-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(32px, 6vw, 56px);
  color: #fff;
  letter-spacing: -0.025em;
  margin-bottom: 16px;
}
.check-page-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
}

/* =====================================================
   TOOL CARDS (Homepage)
   ===================================================== */
.tool-cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
}

/* Featured card spans 2 rows */
.tool-card-featured {
  grid-row: span 2;
  flex-direction: column;
  justify-content: space-between;
}

.tool-card {
  background: var(--card-bg);
  border: 1.5px solid var(--cream-dark);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  cursor: pointer;
}
.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(37,99,235,0.25);
}

.tool-card-featured {
  background: linear-gradient(160deg, #EFF6FF 0%, #DBEAFE 100%);
  border-color: rgba(37,99,235,0.2);
}
.tool-card-featured:hover {
  border-color: rgba(37,99,235,0.5);
  box-shadow: 0 12px 36px rgba(37,99,235,0.15);
}

.tool-card-icon-wrap {
  width: 52px;
  height: 52px;
  background: var(--tc, #EFF6FF);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  flex-shrink: 0;
}

.tool-card-body { flex: 1; }

.tool-card-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--blue);
  background: rgba(37,99,235,0.1);
  border: 1px solid rgba(37,99,235,0.2);
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 10px;
}

.tool-card-body h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 7px;
  letter-spacing: -0.01em;
}
.tool-card-featured .tool-card-body h3 { font-size: 20px; }

.tool-card-body p {
  font-size: 13.5px;
  color: var(--ink-light);
  line-height: 1.65;
}

.tool-card-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  padding-top: 12px;
  border-top: 1px solid rgba(37,99,235,0.12);
  margin-top: auto;
}
.tool-card-cta span {
  transition: transform var(--transition);
}
.tool-card:hover .tool-card-cta span { transform: translateX(4px); }

@media (max-width: 900px) {
  .tool-cards-grid { grid-template-columns: 1fr 1fr; }
  .tool-card-featured { grid-row: span 1; }
}
@media (max-width: 560px) {
  .tool-cards-grid { grid-template-columns: 1fr; }
}

/* =====================================================
   CALCULATOR PAGES (sip/fd/compound/emi)
   ===================================================== */
.calc-page-header {
  background: var(--ink);
  padding: 100px 24px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.calc-page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(212,168,67,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.calc-page-header::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 60px;
  background: var(--cream);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.calc-page-header-inner {
  position: relative;
  z-index: 1;
  max-width: 600px;
  margin: 0 auto;
}
.calc-page-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.calc-page-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(32px, 6vw, 56px);
  color: #fff;
  letter-spacing: -0.025em;
  margin-bottom: 16px;
}
.calc-page-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
}

.calc-page-wrap {
  max-width: 860px;
  margin: 0 auto;
  padding: 64px 24px 80px;
}

.calc-related {
  margin-top: 48px;
  padding-top: 40px;
  border-top: 1.5px solid var(--cream-dark);
}
.calc-related-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-light);
  margin-bottom: 16px;
}
.calc-related-links {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.calc-related-link {
  font-size: 14px;
  font-weight: 600;
  color: var(--blue);
  background: var(--blue-light);
  border: 1.5px solid rgba(37,99,235,0.15);
  padding: 9px 18px;
  border-radius: 100px;
  text-decoration: none;
  transition: all var(--transition);
}
.calc-related-link:hover {
  background: rgba(37,99,235,0.12);
  border-color: var(--blue);
}
.calc-related-link.featured {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
}
.calc-related-link.featured:hover {
  background: var(--blue-hover);
}