/* ============================================================
   FinCalcHub — Global Stylesheet
   ============================================================ */
:root {
  --navy:    #1B3A5C;
  --navy2:   #254d7a;
  --accent:  #1E88E5;
  --bg:      #FFFFFF;
  --surface: #F5F7FA;
  --border:  #D1D9E0;
  --text:    #1A1A2E;
  --muted:   #6B7280;
  --green:   #10B981;
  --red:     #EF4444;
  --radius:  10px;
  --shadow:  0 2px 12px rgba(27,58,92,0.10);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--bg);color:var(--text);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}

/* Header */
header{background:var(--navy);padding:0 24px;height:58px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.2)}
.logo{color:#fff;font-size:20px;font-weight:700;text-decoration:none;display:flex;align-items:center;gap:8px}
nav{display:flex;align-items:center;gap:4px}
nav a{color:rgba(255,255,255,.8);text-decoration:none;font-size:14px;font-weight:500;padding:6px 12px;border-radius:6px;transition:background .15s,color .15s}
nav a:hover{background:rgba(255,255,255,.12);color:#fff}

/* Layout */
.container{max-width:820px;margin:0 auto;padding:36px 20px}
.container-wide{max-width:1100px;margin:0 auto;padding:40px 20px}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#254d7a 100%);color:#fff;padding:64px 24px 56px;text-align:center}
.hero h1{font-size:2.6rem;font-weight:700;margin-bottom:14px;line-height:1.2}
.hero p{font-size:1.1rem;color:rgba(255,255,255,.85);max-width:540px;margin:0 auto 32px}
.hero-badges{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-bottom:32px}
.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:rgba(255,255,255,.92);padding:5px 14px;border-radius:20px;font-size:13px;font-weight:500}
.btn-hero{background:#fff;color:var(--navy);padding:14px 36px;border-radius:8px;font-size:16px;font-weight:700;text-decoration:none;display:inline-block;transition:transform .15s,box-shadow .15s;box-shadow:0 4px 14px rgba(0,0,0,.18)}
.btn-hero:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,0,0,.22)}

/* Region Bar */
.region-wrap{background:var(--surface);border-bottom:1px solid var(--border);padding:10px 20px}
.region-bar{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;max-width:820px;margin:0 auto}
.region-btn{padding:6px 18px;border:2px solid var(--border);border-radius:24px;background:#fff;font-size:13px;font-weight:600;cursor:pointer;transition:all .18s;font-family:inherit;color:var(--text)}
.region-btn:hover{border-color:var(--accent);color:var(--accent)}
.region-btn.active{border-color:var(--accent);background:var(--accent);color:#fff}

/* Card */
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:32px;margin-bottom:24px;box-shadow:var(--shadow)}
.card-title{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--border)}

/* Forms */
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{margin-bottom:18px}
label{display:block;font-size:13px;font-weight:600;color:var(--text);margin-bottom:7px}
label .hint{font-weight:400;color:var(--muted);font-size:12px;margin-left:4px}
input[type="number"],input[type="text"],select{width:100%;padding:11px 14px;border:2px solid var(--border);border-radius:8px;font-size:15px;font-family:inherit;color:var(--text);background:#fff;outline:none;transition:border-color .18s,box-shadow .18s;-webkit-appearance:none;appearance:none}
input:focus,select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(30,136,229,.13)}
select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath fill='%236B7280' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:36px}

/* Button */
.btn-calc{width:100%;padding:15px;background:var(--navy);color:#fff;border:none;border-radius:8px;font-size:16px;font-weight:700;cursor:pointer;transition:background .18s,transform .12s;font-family:inherit;margin-top:8px}
.btn-calc:hover{background:var(--navy2);transform:translateY(-1px)}

/* Results */
.results{background:linear-gradient(135deg,var(--navy) 0%,#254d7a 100%);color:#fff;border-radius:var(--radius);padding:28px 32px 24px;margin-top:24px;display:none;box-shadow:0 4px 20px rgba(27,58,92,.25)}
.results.show{display:block;animation:fadeUp .3s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
.results-title{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.6);margin-bottom:20px}
.result-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:20px}
.result-item{text-align:center}
.result-value{font-size:1.9rem;font-weight:700;color:#fff;line-height:1.1}
.result-value.positive{color:#6ee7b7}
.result-label{font-size:11px;color:rgba(255,255,255,.6);margin-top:5px;text-transform:uppercase;letter-spacing:.5px}
.results-divider{border:none;border-top:1px solid rgba(255,255,255,.15);margin:20px 0}
.breakdown-title{font-size:12px;font-weight:600;color:rgba(255,255,255,.7);margin-bottom:10px;text-transform:uppercase;letter-spacing:.6px}
.breakdown-table{width:100%;border-collapse:collapse;font-size:13px}
.breakdown-table th{background:rgba(255,255,255,.1);padding:9px 12px;text-align:left;font-weight:600;color:rgba(255,255,255,.9)}
.breakdown-table td{padding:8px 12px;border-top:1px solid rgba(255,255,255,.08);color:rgba(255,255,255,.82)}
.td-right{text-align:right;font-weight:600}

/* Action bar */
.action-bar{display:flex;gap:10px;margin-top:20px}
.btn-action{flex:1;padding:10px 14px;border:2px solid rgba(255,255,255,.4);background:transparent;color:rgba(255,255,255,.9);border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;transition:all .18s;font-family:inherit;display:flex;align-items:center;justify-content:center;gap:6px}
.btn-action:hover{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.7)}

/* Ad Slots */
.ad-slot{background:var(--surface);border:1px dashed var(--border);border-radius:8px;padding:20px;text-align:center;color:var(--muted);font-size:12px;margin:20px 0;min-height:90px;display:flex;align-items:center;justify-content:center}

/* Page hero */
.page-hero{padding:32px 20px 0}
.page-hero h1{font-size:1.9rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.page-hero .subtitle{color:var(--muted);font-size:15px;margin-bottom:6px}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--accent);text-decoration:none}

/* Calc grid (homepage) */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px;margin-top:16px}
.calc-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--text);transition:border-color .18s,box-shadow .18s,transform .15s;display:flex;flex-direction:column;gap:5px}
.calc-card:hover{border-color:var(--accent);box-shadow:0 4px 16px rgba(30,136,229,.13);transform:translateY(-2px)}
.calc-card-icon{font-size:26px;margin-bottom:4px}
.calc-card-name{font-size:15px;font-weight:700;color:var(--navy)}
.calc-card-desc{font-size:13px;color:var(--muted);line-height:1.4}

/* Related */
.related{margin-top:44px}
.related h2{font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:12px}
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:10px}
.related-card{background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:13px 15px;text-decoration:none;color:var(--text);font-size:13px;font-weight:600;transition:border-color .18s,background .18s;display:flex;align-items:center;gap:8px}
.related-card:hover{border-color:var(--accent);background:#fff}

/* FAQ */
.faq{margin-top:44px}
.faq h2{font-size:1.2rem;font-weight:700;color:var(--navy);margin-bottom:18px}
.faq-item{border-bottom:1px solid var(--border);padding:16px 0}
.faq-item:last-child{border-bottom:none}
.faq-q{font-size:15px;font-weight:600;color:var(--text);margin-bottom:8px}
.faq-a{font-size:14px;color:var(--muted);line-height:1.65}

/* Features */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:40px 0 16px}
.feature{text-align:center}
.feature-icon{font-size:32px;margin-bottom:10px}
.feature-title{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.feature-desc{font-size:13px;color:var(--muted)}

/* Footer */
footer{background:var(--navy);color:rgba(255,255,255,.7);padding:40px 24px 28px;margin-top:60px}
.footer-inner{max-width:820px;margin:0 auto}
.footer-top{display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:24px;margin-bottom:24px}
.footer-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-links a{color:rgba(255,255,255,.65);text-decoration:none;font-size:13px;transition:color .15s}
.footer-links a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:16px;font-size:12px}
.footer-disclaimer{margin-top:8px;font-size:11px;color:rgba(255,255,255,.4);line-height:1.6}
.section-label{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--accent);margin-bottom:8px}
.section-heading{font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:10px}

/* Responsive */
@media(max-width:700px){
  .hero h1{font-size:1.8rem}
  .form-row{grid-template-columns:1fr}
  .card{padding:20px 16px}
  .result-value{font-size:1.4rem}
  .features{grid-template-columns:1fr;gap:14px}
  .footer-top{flex-direction:column}
  nav{display:none}
}
@media(max-width:480px){
  .result-grid{grid-template-columns:1fr 1fr}
  .action-bar{flex-direction:column}
}