/* ========================================
   SimuFiscal — Main Stylesheet
   Theme: Charcoal #111111 + Electric Blue #3b82f6 + Gold #fbbf24
   ======================================== */

@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Nunito:wght@400;600;700&display=swap');

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --charcoal: #111111;
  --charcoal-2: #1a1a1a;
  --charcoal-3: #222222;
  --charcoal-4: #2a2a2a;
  --blue: #3b82f6;
  --blue-dark: #1d4ed8;
  --blue-light: #60a5fa;
  --blue-subtle: rgba(59, 130, 246, 0.1);
  --gold: #fbbf24;
  --gold-subtle: rgba(251, 191, 36, 0.15);
  --text-primary: #f1f5f9;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --border: rgba(59, 130, 246, 0.2);
  --border-hover: rgba(59, 130, 246, 0.5);
  --success: #22c55e;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 4px 24px rgba(0, 0, 0, 0.4);
  --shadow-blue: 0 4px 24px rgba(59, 130, 246, 0.15);
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  background-color: var(--charcoal);
  color: var(--text-primary);
  font-family: 'Nunito', -apple-system, sans-serif;
  font-weight: 400;
  line-height: 1.6;
  min-height: 100vh;
  padding-bottom: 70px;
}

@media (min-width: 768px) { body { padding-bottom: 0; } }

h1 { font-family: 'Bebas Neue', sans-serif; letter-spacing: 0.04em; }
h2, h3, h4, h5, h6 { font-family: 'Nunito', sans-serif; font-weight: 700; }

a { color: var(--blue); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--blue-light); }

img { max-width: 100%; height: auto; display: block; }

/* ---- LAYOUT ---- */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.section { padding: 60px 0; }
.section-sm { padding: 40px 0; }

/* ---- HEADER ---- */
header {
  background: rgba(17, 17, 17, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-icon { width: 36px; height: 36px; }

.logo-text {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 1.6rem;
  letter-spacing: 0.05em;
  color: var(--text-primary);
  line-height: 1;
}

.logo-text span { color: var(--blue); }

nav { display: none; }

@media (min-width: 768px) {
  nav { display: flex; align-items: center; gap: 4px; }
}

nav a {
  color: var(--text-secondary);
  font-weight: 600;
  font-size: 0.88rem;
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
}

nav a:hover, nav a.active {
  color: var(--blue-light);
  background: var(--blue-subtle);
}

.header-cta {
  display: none;
}

@media (min-width: 900px) {
  .header-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--blue);
    color: #fff;
    font-weight: 700;
    font-size: 0.85rem;
    padding: 8px 18px;
    border-radius: 999px;
    transition: background 0.2s, transform 0.2s;
  }
  .header-cta:hover { background: var(--blue-dark); color: #fff; transform: translateY(-1px); }
}

/* ---- MOBILE BOTTOM NAV ---- */
.mobile-nav {
  display: flex;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background: var(--charcoal-2);
  border-top: 1px solid var(--border);
  padding: 8px 0 env(safe-area-inset-bottom, 8px);
}

@media (min-width: 768px) { .mobile-nav { display: none; } }

.mobile-nav a {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  color: var(--text-muted);
  font-size: 0.68rem;
  font-weight: 600;
  padding: 4px 2px;
  transition: color 0.2s;
}

.mobile-nav a:hover, .mobile-nav a.active { color: var(--blue); }

.mobile-nav .nav-icon {
  font-size: 1.2rem;
  line-height: 1;
}

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--charcoal) 0%, #0f172a 50%, var(--charcoal-2) 100%);
  padding: 80px 0 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--blue-subtle);
  border: 1px solid var(--border);
  color: var(--blue-light);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 20px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hero h1 {
  font-size: clamp(2.4rem, 6vw, 4.5rem);
  line-height: 1.05;
  margin-bottom: 20px;
  text-transform: uppercase;
}

.hero h1 .accent { color: var(--blue); }

.hero-sub {
  font-size: 1.15rem;
  color: var(--text-secondary);
  max-width: 560px;
  margin: 0 auto 36px;
  font-weight: 400;
}

.hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 40px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 50px;
  padding-top: 40px;
  border-top: 1px solid var(--border);
}

.stat { text-align: center; }
.stat-value {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 2.2rem;
  color: var(--blue);
  line-height: 1;
}
.stat-label { font-size: 0.8rem; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; margin-top: 4px; }

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Nunito', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 28px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: all 0.25s;
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 4px 16px rgba(59, 130, 246, 0.35);
}
.btn-primary:hover { background: var(--blue-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(59, 130, 246, 0.45); }

.btn-outline {
  background: transparent;
  color: var(--blue-light);
  border: 2px solid var(--border-hover);
}
.btn-outline:hover { background: var(--blue-subtle); color: var(--blue-light); border-color: var(--blue); }

.btn-gold {
  background: var(--gold);
  color: var(--charcoal);
}
.btn-gold:hover { background: #f59e0b; color: var(--charcoal); transform: translateY(-2px); }

.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

/* ---- CARDS GRID ---- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
}

.cards-grid-2 {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
}

.card {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: border-color 0.25s, transform 0.25s, box-shadow 0.25s;
}

.card:hover {
  border-color: var(--blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-blue);
}

.card-icon {
  width: 52px;
  height: 52px;
  background: var(--blue-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 18px;
}

.card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-primary);
}

.card p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  margin-bottom: 20px;
  line-height: 1.6;
}

.card-tag {
  display: inline-block;
  background: var(--blue-subtle);
  color: var(--blue-light);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 14px;
}

/* ---- SECTION TITLES ---- */
.section-title {
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 700;
  margin-bottom: 10px;
}

.section-title .accent { color: var(--blue); }

.section-sub {
  color: var(--text-secondary);
  font-size: 1rem;
  margin-bottom: 40px;
  max-width: 600px;
}

.section-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 32px;
}

.divider {
  width: 60px;
  height: 4px;
  background: linear-gradient(90deg, var(--blue), var(--blue-light));
  border-radius: 2px;
  margin-bottom: 20px;
}

/* ---- CALCULATOR FORM ---- */
.calc-page { padding: 40px 0 80px; }

.calc-header {
  text-align: center;
  margin-bottom: 40px;
}

.calc-header h1 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  text-transform: uppercase;
  margin-bottom: 12px;
}

.calc-header p {
  color: var(--text-secondary);
  font-size: 1rem;
  max-width: 500px;
  margin: 0 auto;
}

.calc-layout {
  display: grid;
  gap: 28px;
}

@media (min-width: 900px) {
  .calc-layout { grid-template-columns: 1fr 1fr; align-items: start; }
}

.calc-card {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}

.calc-card h2 {
  font-size: 1.15rem;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
  color: var(--blue-light);
}

.form-group { margin-bottom: 20px; }

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-secondary);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.form-group input,
.form-group select {
  width: 100%;
  background: var(--charcoal-3);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  color: var(--text-primary);
  font-family: 'Nunito', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.15);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%2364748b'%3E%3Cpath d='M5.23 7.21a.75.75 0 011.06.02L10 11.168l3.71-3.938a.75.75 0 111.08 1.04l-4.25 4.5a.75.75 0 01-1.08 0l-4.25-4.5a.75.75 0 01.02-1.06z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 20px;
  padding-right: 40px;
}

.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 5px;
}

.input-group {
  display: flex;
  align-items: stretch;
}

.input-group input {
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  border-right: none;
  flex: 1;
}

.input-addon {
  background: var(--charcoal-4);
  border: 1px solid var(--border);
  border-left: none;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 0 14px;
  display: flex;
  align-items: center;
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 700;
}

/* ---- RESULTS ---- */
.results-card {
  background: var(--charcoal-3);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}

.results-card.hidden { display: none; }

.results-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--blue-light);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
}

.result-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  gap: 12px;
}

.result-row:last-child { border-bottom: none; }

.result-label {
  font-size: 0.88rem;
  color: var(--text-secondary);
  font-weight: 600;
  flex: 1;
}

.result-value {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-primary);
  text-align: right;
  white-space: nowrap;
}

.result-row.highlight {
  background: var(--blue-subtle);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  margin: 8px -4px;
}

.result-row.highlight .result-value { color: var(--blue-light); font-size: 1.2rem; }

.result-row.total {
  background: linear-gradient(135deg, rgba(59, 130, 246, 0.15), rgba(29, 78, 216, 0.1));
  border: 1px solid var(--blue);
  border-radius: var(--radius-sm);
  padding: 16px 16px;
  margin: 12px -4px;
}

.result-row.total .result-label { color: var(--text-primary); font-size: 0.95rem; }
.result-row.total .result-value { color: var(--blue); font-size: 1.4rem; }

.result-badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
}

.badge-blue { background: var(--blue-subtle); color: var(--blue-light); }
.badge-gold { background: var(--gold-subtle); color: var(--gold); }
.badge-green { background: rgba(34, 197, 94, 0.1); color: var(--success); }

.no-tax-message {
  text-align: center;
  padding: 28px 20px;
  color: var(--success);
}

.no-tax-message .tax-icon { font-size: 2.5rem; margin-bottom: 10px; }
.no-tax-message p { font-weight: 700; font-size: 1.1rem; }
.no-tax-message span { font-size: 0.88rem; color: var(--text-muted); font-weight: 400; }

/* ---- EXPLAINER ---- */
.explainer {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  margin-top: 32px;
}

.explainer h2 {
  font-size: 1.3rem;
  margin-bottom: 18px;
}

.explainer p {
  color: var(--text-secondary);
  margin-bottom: 14px;
  font-size: 0.95rem;
  line-height: 1.7;
}

.explainer h3 {
  font-size: 1.05rem;
  margin: 20px 0 10px;
  color: var(--blue-light);
}

.explainer ul, .explainer ol {
  padding-left: 22px;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.8;
}

.tmi-table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
  font-size: 0.9rem;
}

.tmi-table th {
  background: var(--charcoal-4);
  color: var(--blue-light);
  padding: 10px 14px;
  text-align: left;
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.tmi-table td {
  padding: 10px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

.tmi-table tr:hover td { background: rgba(255,255,255,0.02); }
.tmi-table .rate { color: var(--text-primary); font-weight: 700; }

/* ---- BLOG ---- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.blog-card {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.25s, transform 0.25s, box-shadow 0.25s;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  border-color: var(--blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-blue);
}

.blog-card-thumb {
  height: 160px;
  background: linear-gradient(135deg, var(--charcoal-3) 0%, #0f172a 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  border-bottom: 1px solid var(--border);
}

.blog-card-body {
  padding: 22px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.blog-cat {
  background: var(--blue-subtle);
  color: var(--blue-light);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.blog-date {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.blog-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
  line-height: 1.4;
}

.blog-card h3 a { color: var(--text-primary); }
.blog-card h3 a:hover { color: var(--blue-light); }

.blog-card p {
  font-size: 0.86rem;
  color: var(--text-secondary);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 16px;
}

.blog-read-more {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

.blog-read-more:hover { color: var(--blue-light); }

/* ---- ARTICLE ---- */
.article-hero {
  background: linear-gradient(135deg, var(--charcoal) 0%, #0f172a 100%);
  padding: 60px 0 40px;
  border-bottom: 1px solid var(--border);
}

.article-breadcrumb {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.article-breadcrumb a { color: var(--blue); }
.article-breadcrumb span { color: var(--text-muted); }

.article-hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  line-height: 1.1;
  margin-bottom: 16px;
  text-transform: uppercase;
}

.article-hero-meta {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: var(--text-muted);
}

.article-body {
  padding: 50px 0 80px;
}

.article-content {
  max-width: 780px;
}

.article-layout {
  display: grid;
  gap: 40px;
}

@media (min-width: 1000px) {
  .article-layout { grid-template-columns: 1fr 300px; align-items: start; }
}

.article-content p {
  color: var(--text-secondary);
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 18px;
}

.article-content h2 {
  font-size: 1.5rem;
  color: var(--text-primary);
  margin: 36px 0 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.article-content h3 {
  font-size: 1.15rem;
  color: var(--blue-light);
  margin: 24px 0 10px;
}

.article-content ul, .article-content ol {
  padding-left: 22px;
  color: var(--text-secondary);
  font-size: 0.97rem;
  line-height: 1.9;
  margin-bottom: 18px;
}

.article-content strong { color: var(--text-primary); font-weight: 700; }
.article-content a { color: var(--blue); }
.article-content a:hover { color: var(--blue-light); }

.article-content .highlight-box {
  background: var(--blue-subtle);
  border-left: 4px solid var(--blue);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 24px 0;
}

.article-content .highlight-box p {
  margin-bottom: 0;
  color: var(--blue-light);
}

.article-content .warning-box {
  background: rgba(251, 191, 36, 0.08);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 24px 0;
}

.article-content .warning-box p {
  margin-bottom: 0;
  color: var(--gold);
}

/* ---- SIDEBAR ---- */
.sidebar { display: flex; flex-direction: column; gap: 20px; }

.sidebar-card {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
}

.sidebar-card h3 {
  font-size: 1rem;
  margin-bottom: 16px;
  color: var(--blue-light);
}

.sidebar-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.sidebar-links li a {
  font-size: 0.88rem;
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 10px;
  border-radius: var(--radius-sm);
  transition: all 0.2s;
}

.sidebar-links li a:hover { background: var(--blue-subtle); color: var(--blue-light); }

/* ---- TOC ---- */
.toc {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  margin-bottom: 32px;
}

.toc-title { font-size: 0.85rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 12px; }

.toc ol {
  padding-left: 18px;
  color: var(--text-secondary);
  font-size: 0.88rem;
  line-height: 2;
}

.toc ol a { color: var(--text-secondary); }
.toc ol a:hover { color: var(--blue-light); }

/* ---- BLOG INDEX ---- */
.blog-hero {
  background: linear-gradient(135deg, var(--charcoal) 0%, #0f172a 100%);
  padding: 60px 0;
  border-bottom: 1px solid var(--border);
  text-align: center;
}

.blog-hero h1 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  text-transform: uppercase;
  margin-bottom: 12px;
}

.blog-hero p { color: var(--text-secondary); max-width: 500px; margin: 0 auto; }

/* ---- TAGS ---- */
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin: 20px 0; }

.tag {
  background: var(--charcoal-3);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 999px;
  transition: all 0.2s;
}

.tag:hover { border-color: var(--blue); color: var(--blue-light); background: var(--blue-subtle); }

/* ---- LEGAL PAGES ---- */
.legal-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px 0 80px;
}

.legal-content h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  text-transform: uppercase;
  margin-bottom: 8px;
}

.legal-content .updated {
  color: var(--text-muted);
  font-size: 0.85rem;
  margin-bottom: 36px;
}

.legal-content h2 {
  font-size: 1.25rem;
  margin: 30px 0 12px;
  color: var(--blue-light);
}

.legal-content p {
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 14px;
}

.legal-content ul {
  padding-left: 20px;
  color: var(--text-secondary);
  line-height: 1.9;
  margin-bottom: 14px;
}

/* ---- FOOTER ---- */
footer {
  background: var(--charcoal-2);
  border-top: 1px solid var(--border);
  padding: 48px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

.footer-brand p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.7;
  margin-top: 12px;
  max-width: 280px;
}

.footer-col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-links a {
  color: var(--text-muted);
  font-size: 0.88rem;
  transition: color 0.2s;
}

.footer-links a:hover { color: var(--blue-light); }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  color: var(--text-muted);
  font-size: 0.82rem;
}

.footer-bottom-links {
  display: flex;
  gap: 16px;
}

.footer-bottom-links a {
  color: var(--text-muted);
  font-size: 0.82rem;
}

.footer-bottom-links a:hover { color: var(--blue-light); }

.disclaimer {
  background: var(--charcoal-3);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  margin-bottom: 28px;
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ---- ADSENSE ---- */
.adsense-slot {
  background: var(--charcoal-3);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px;
  text-align: center;
  margin: 28px 0;
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ---- PROGRESS BAR ---- */
.progress-bar {
  height: 6px;
  background: var(--charcoal-4);
  border-radius: 3px;
  overflow: hidden;
  margin: 8px 0;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--blue-light));
  border-radius: 3px;
  transition: width 0.5s ease;
}

/* ---- ACCORDION ---- */
.accordion { display: flex; flex-direction: column; gap: 8px; }

.accordion-item {
  background: var(--charcoal-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.accordion-trigger {
  width: 100%;
  background: none;
  border: none;
  padding: 16px 20px;
  text-align: left;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  color: var(--text-primary);
  font-family: 'Nunito', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  transition: color 0.2s;
}

.accordion-trigger:hover { color: var(--blue-light); }

.accordion-chevron {
  transition: transform 0.25s;
  color: var(--text-muted);
  font-size: 0.7rem;
}

.accordion-item.open .accordion-chevron { transform: rotate(180deg); }

.accordion-content {
  display: none;
  padding: 0 20px 16px;
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.7;
}

.accordion-item.open .accordion-content { display: block; }

/* ---- BREADCRUMB ---- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: var(--text-muted);
  padding: 16px 0;
  flex-wrap: wrap;
}

.breadcrumb a { color: var(--blue); }
.breadcrumb span { color: var(--border-hover); }

/* ---- UTILS ---- */
.text-center { text-align: center; }
.text-blue { color: var(--blue); }
.text-gold { color: var(--gold); }
.text-muted { color: var(--text-muted); }
.text-success { color: var(--success); }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }
.hidden { display: none !important; }

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .section { padding: 40px 0; }
  .hero { padding: 50px 0 40px; }
  .cards-grid { grid-template-columns: 1fr; }
  .cards-grid-2 { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .calc-header h1 { font-size: 2rem; }
  .footer-grid { gap: 24px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero h1 { font-size: 2.2rem; }
  .btn { padding: 10px 20px; font-size: 0.9rem; }
}