:root {
  --bg: #0a0f1a;
  --surface: #111827;
  --surface2: #1a2235;
  --surface3: #1f2d44;
  --border: rgba(255,255,255,0.08);
  --border-strong: rgba(255,255,255,0.15);
  --gold: #f0b429;
  --gold-dim: #c8922a;
  --gold-glow: rgba(240,180,41,0.15);
  --gold-glow2: rgba(240,180,41,0.08);
  --text: #f0f4ff;
  --text-sec: #8896b3;
  --text-muted: #3d4f6e;
  --accent: #3b82f6;
  --success: #10b981;
  --danger: #ef4444;
  --radius: 12px;
  --radius-lg: 20px;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  min-height: 100vh;
  line-height: 1.6;
  overflow-x: hidden;
}

/* ── BACKGROUND DECORATION ── */
.bg-orb {
  position: fixed; pointer-events: none; z-index: 0; border-radius: 50%;
  filter: blur(80px); opacity: 0.35;
}
.bg-orb-1 { width: 600px; height: 600px; background: radial-gradient(circle, rgba(240,180,41,0.3), transparent); top: -200px; right: -200px; }
.bg-orb-2 { width: 500px; height: 500px; background: radial-gradient(circle, rgba(59,130,246,0.2), transparent); bottom: 0; left: -150px; }
.bg-grid {
  position: fixed; inset: 0; z-index: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 0%, black 30%, transparent 100%);
}
body > * { position: relative; z-index: 1; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 200;
  background: rgba(10,15,26,0.92);
  backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--border);
  padding: 0 2rem;
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}
.logo { font-size: 20px; font-weight: 800; letter-spacing: -0.5px; display: flex; align-items: center; gap: 10px; }
.logo-icon {
  width: 32px; height: 32px; border-radius: 9px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dim));
  display: flex; align-items: center; justify-content: center; font-size: 16px;
}
.logo em { color: var(--gold); font-style: normal; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-link {
  background: none; border: none; color: var(--text-sec);
  font-size: 14px; font-weight: 500; padding: 8px 14px;
  border-radius: 8px; cursor: pointer; transition: all .2s;
  text-decoration: none; display: flex; align-items: center; gap: 5px;
}
.nav-link:hover { background: var(--gold-glow2); color: var(--text); }
.nav-link.active { color: var(--gold); }

/* DROPDOWN */
.dropdown { position: relative; }
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); right: 0;
  background: var(--surface);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
  padding: 6px;
  min-width: 200px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.6);
  opacity: 0; pointer-events: none;
  transform: translateY(-8px);
  transition: opacity .2s, transform .2s;
  z-index: 300;
}
.dropdown:hover .dropdown-menu,
.dropdown-menu:hover {
  opacity: 1; pointer-events: auto; transform: translateY(0);
}
.dropdown-item {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 12px; border-radius: 8px;
  color: var(--text-sec); font-size: 14px; font-weight: 500;
  text-decoration: none; transition: all .2s; cursor: pointer;
}
.dropdown-item:hover { background: var(--gold-glow2); color: var(--text); }
.dropdown-item .di-icon { font-size: 18px; }
.dropdown-divider { height: 1px; background: var(--border); margin: 4px 0; }
.dropdown-arrow { font-size: 10px; transition: transform .2s; }
.dropdown:hover .dropdown-arrow { transform: rotate(180deg); }
@media (max-width: 700px) { .nav-links { display: none; } }

/* ── HERO ── */

.hero {
  padding: 80px 2rem 64px;
  text-align: center;
  border-bottom: 1px solid var(--border);
  background: radial-gradient(ellipse 90% 50% at 50% -5%, rgba(240,180,41,0.1), transparent);
  position: relative; overflow: hidden;
}

.hero::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: url(https://images.unsplash.com/photo-1689732888407-310424e3a372?q=80&w=870&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D);
    background-size: cover;
    background-position: center;
    opacity: 0.4;
    z-index: -1;
}

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--gold-glow); border: 1px solid rgba(240,180,41,0.3);
  color: var(--gold); font-size: 12px; font-weight: 700;
  padding: 5px 16px; border-radius: 20px; margin-bottom: 24px;
  text-transform: uppercase; letter-spacing: .05em;
}
.hero h1 {
  font-size: clamp(32px, 5.5vw, 60px);
  font-weight: 900; letter-spacing: -2px; line-height: 1.05; margin-bottom: 18px;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero p { font-size: 18px; color: var(--text-sec); max-width: 520px; margin: 0 auto 40px; }
.hero-stats { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; }
.hero-stat .num { font-size: 32px; font-weight: 800; color: var(--gold); }
.hero-stat .lbl { font-size: 13px; color: var(--text-sec); }

/* ── TOOLS SECTION ── */
.tools-section { max-width: 1120px; margin: 0 auto; padding: 48px 1.5rem; }
.tools-tabs {
  display: flex; gap: 8px; flex-wrap: wrap;
  margin-bottom: 32px; border-bottom: 1px solid var(--border); padding-bottom: 16px;
}
.tab-btn {
  background: none; border: 1px solid var(--border);
  color: var(--text-sec); font-size: 13px; font-weight: 500;
  padding: 8px 18px; border-radius: 8px; cursor: pointer;
  transition: all .2s; display: flex; align-items: center; gap: 6px;
}
.tab-btn:hover { border-color: var(--border-strong); color: var(--text); }
.tab-btn.active { background: var(--gold-glow); border-color: var(--gold); color: var(--gold); }

/* ── CALC PANELS ── */
.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 720px) { .calc-panel.active { grid-template-columns: 1fr; } }

.calc-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 28px;
}
.calc-card h2 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.calc-card .subtitle { font-size: 13px; color: var(--text-sec); margin-bottom: 24px; line-height: 1.5; }

/* FORM */
.field { margin-bottom: 18px; }
.field label {
  display: block; font-size: 11px; font-weight: 700;
  color: var(--text-sec); text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 8px;
}
.field-row { display: flex; gap: 0; }
.field input, .field select {
  width: 100%; background: var(--surface2);
  border: 1px solid var(--border-strong); color: var(--text);
  font-size: 15px; font-weight: 500; padding: 12px 16px;
  border-radius: 10px; outline: none; transition: border-color .2s;
  -moz-appearance: textfield; font-family: inherit;
}
.field input::-webkit-outer-spin-button,
.field input::-webkit-inner-spin-button { -webkit-appearance: none; }
.field input:focus, .field select:focus {
  border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-glow);
}
.prefix {
  background: var(--surface2); border: 1px solid var(--border-strong);
  border-right: none; border-radius: 10px 0 0 10px;
  padding: 12px 14px; color: var(--text-sec); font-size: 14px;
  display: flex; align-items: center; white-space: nowrap;
}
.prefix + input { border-radius: 0 10px 10px 0; }
.suffix-select {
  width: 110px !important; flex-shrink: 0;
  border-radius: 0 10px 10px 0 !important; border-left: none !important;
}
.prefix-input { border-radius: 10px 0 0 10px !important; }
.calc-btn {
  width: 100%; padding: 14px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dim));
  color: #0a0f1a; font-size: 15px; font-weight: 800;
  border: none; border-radius: 10px; cursor: pointer;
  transition: opacity .2s, transform .1s; letter-spacing: .02em; margin-top: 4px;
}
.calc-btn:hover { opacity: .9; }
.calc-btn:active { transform: scale(0.98); }

/* RESULT CARD */
.result-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 24px;
  display: flex; flex-direction: column; gap: 14px; overflow: hidden;
}
.result-card h3 { font-size: 13px; font-weight: 700; color: var(--text-sec); text-transform: uppercase; letter-spacing: .05em; }
.result-hero {
  background: var(--surface2); border: 1px solid var(--border-strong);
  border-radius: var(--radius); padding: 18px 22px; text-align: center;
}
.result-hero .label { font-size: 11px; color: var(--text-sec); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 4px; }
.result-hero .value { font-size: 34px; font-weight: 900; color: var(--gold); letter-spacing: -1px; }
.result-hero .unit { font-size: 13px; color: var(--text-sec); margin-top: 3px; }
.result-rows { display: flex; flex-direction: column; gap: 8px; }
.result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 14px; background: var(--surface2); border-radius: 8px;
}
.result-row .r-label { font-size: 13px; color: var(--text-sec); }
.result-row .r-value { font-size: 14px; font-weight: 700; color: var(--text); }
.r-value.green { color: var(--success); }
.r-value.red { color: var(--danger); }
.r-value.gold { color: var(--gold); }

/* CHART */
.chart-wrap {
  background: var(--surface2); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 16px;
  position: relative;
}
.chart-title { font-size: 12px; font-weight: 700; color: var(--text-sec); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 12px; }
.chart-wrap canvas { max-height: 200px; }

/* BAR BREAKDOWN */
.breakdown-bar {
  height: 10px; border-radius: 20px; background: var(--surface2);
  overflow: hidden; display: flex; margin: 8px 0 6px;
}
.bar-principal { background: var(--accent); transition: width .8s ease; }
.bar-interest { background: var(--gold); transition: width .8s ease; }
.bar-legend { display: flex; gap: 14px; font-size: 12px; color: var(--text-sec); }
.legend-dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; margin-right: 5px; vertical-align: middle; }

.result-placeholder {
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; text-align: center; gap: 12px;
  padding: 52px 24px;
  border: 2px dashed var(--border); border-radius: var(--radius-lg);
  color: var(--text-sec);
}
.result-placeholder .big-icon { font-size: 44px; opacity: .35; }
.result-placeholder p { font-size: 14px; }

/* ── FEATURES ── */
.features {
  border-top: 1px solid var(--border);
  padding: 72px 1.5rem; max-width: 1120px; margin: 0 auto;
}
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin-top: 40px; }
.feat-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px;
  transition: border-color .2s;
}
.feat-card:hover { border-color: var(--gold-dim); }
.feat-icon { font-size: 30px; margin-bottom: 12px; }
.feat-card h4 { font-size: 15px; font-weight: 700; margin-bottom: 6px; }
.feat-card p { font-size: 13px; color: var(--text-sec); }

/* ── BLOG PREVIEW STRIP ── */
.blog-strip {
  border-top: 1px solid var(--border);
  padding: 72px 1.5rem; max-width: 1120px; margin: 0 auto;
}
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; margin-top: 36px; }
.blog-preview-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden;
  text-decoration: none; color: inherit;
  transition: border-color .25s, transform .2s;
  display: block;
}
.blog-preview-card:hover { border-color: var(--gold-dim); transform: translateY(-2px); }
.blog-preview-img {
  height: 160px; background: linear-gradient(135deg, var(--surface2), var(--surface3));
  display: flex; align-items: center; justify-content: center;
  font-size: 48px; overflow: hidden;
}
.blog-preview-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-preview-body { padding: 18px 20px; }
.blog-preview-tag {
  font-size: 11px; font-weight: 700; color: var(--gold);
  text-transform: uppercase; letter-spacing: .05em; margin-bottom: 8px;
}
.blog-preview-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 8px; line-height: 1.3; }
.blog-preview-card p { font-size: 13px; color: var(--text-sec); line-height: 1.6; }
.blog-preview-meta { font-size: 12px; color: var(--text-muted); margin-top: 14px; }

.section-eyebrow { font-size: 12px; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 10px; }
.section-title { font-size: clamp(24px, 3.5vw, 38px); font-weight: 900; letter-spacing: -1px; margin-bottom: 10px; }
.section-sub { font-size: 16px; color: var(--text-sec); max-width: 460px; }
.view-all-btn {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 28px; padding: 11px 22px;
  border: 1px solid var(--border-strong); border-radius: 10px;
  color: var(--text-sec); font-size: 14px; font-weight: 600;
  text-decoration: none; transition: all .2s;
}
.view-all-btn:hover { border-color: var(--gold-dim); color: var(--gold); }

/* ── FOOTER ── */
footer {
  border-top: 1px solid var(--border);
  padding: 36px 2rem; text-align: center;
  color: var(--text-muted); font-size: 13px;
}
footer a { color: var(--text-sec); text-decoration: none; }
footer a:hover { color: var(--gold); }
.footer-links { display: flex; justify-content: center; gap: 24px; margin-top: 12px; flex-wrap: wrap; }

/* ── POST CONTENT STYLES ── */
#post-content h1 { font-size: clamp(24px,4vw,40px); font-weight:900; letter-spacing:-1px; margin-bottom:12px; line-height:1.1; }
#post-content h2 { font-size: 22px; font-weight:800; margin:28px 0 10px; color:var(--text); }
#post-content h3 { font-size:18px; font-weight:700; margin:20px 0 8px; color:var(--gold); }
#post-content p { font-size:16px; color:var(--text-sec); line-height:1.8; margin-bottom:16px; }
#post-content a { color:var(--gold); }
#post-content ul, #post-content ol { margin:12px 0 16px 24px; color:var(--text-sec); font-size:16px; line-height:1.8; }
#post-content .post-meta { font-size:13px; color:var(--text-muted); margin-bottom:28px; margin-top:6px; }
#post-content .post-hero-img { width:100%; border-radius:var(--radius-lg); margin:20px 0 32px; max-height:380px; object-fit:cover; display:block; }
#post-content blockquote { border-left:3px solid var(--gold); padding:12px 20px; background:var(--surface); border-radius:0 10px 10px 0; margin:16px 0; color:var(--text-sec); font-style:italic; }

/* ── MULTI-PAGE ADDITIONS ── */
.page-wrap { max-width: 1120px; margin: 0 auto; padding: 40px 1.5rem 0; }
.breadcrumb { font-size: 13px; color: var(--text-muted); margin-bottom: 18px; }
.breadcrumb a { color: var(--text-sec); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }
.calc-page-hero { padding: 8px 0 32px; }
.calc-page-hero h1 { font-size: clamp(28px, 4.5vw, 44px); font-weight: 900; letter-spacing: -1.5px; line-height: 1.1; margin-bottom: 14px; }
.calc-page-hero p { font-size: 16px; color: var(--text-sec); max-width: 680px; }
.single-calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin: 24px 0 56px; }
@media (max-width: 720px) { .single-calc-grid { grid-template-columns: 1fr; } }
.article { max-width: 760px; margin: 0 auto 64px; }
.article h2 { font-size: 24px; font-weight: 800; margin: 36px 0 14px; letter-spacing: -0.5px; }
.article h3 { font-size: 18px; font-weight: 700; margin: 22px 0 10px; color: var(--gold); }
.article p { font-size: 16px; color: var(--text-sec); line-height: 1.85; margin-bottom: 16px; }
.article ul, .article ol { margin: 10px 0 18px 22px; color: var(--text-sec); font-size: 16px; line-height: 1.85; }
.article strong { color: var(--text); }
.related-tools { display: grid; grid-template-columns: repeat(auto-fit,minmax(200px,1fr)); gap: 14px; margin: 20px 0 56px; }
.related-tools a { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 16px 18px; text-decoration: none; color: var(--text); font-size: 14px; font-weight: 600; transition: border-color .2s; display:block; }
.related-tools a:hover { border-color: var(--gold-dim); }
.related-tools a span { display: block; font-size: 12px; color: var(--text-sec); font-weight: 400; margin-top: 4px; }
.faq-section { max-width: 760px; margin: 0 auto 64px; }
.faq-item { border-bottom: 1px solid var(--border); padding: 18px 0; }
.faq-item summary { cursor: pointer; font-size: 16px; font-weight: 700; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::before { content: "+"; color: var(--gold); margin-right: 10px; font-weight: 900; }
.faq-item[open] summary::before { content: "−"; }
.faq-item p { margin-top: 10px; color: var(--text-sec); font-size: 15px; line-height: 1.75; }
.calc-card .field:first-of-type { margin-top: 0; }