/* =====================================================
   SETTLEMENT CALCULATOR — DESIGN SYSTEM
   Premium Dark Theme · Glassmorphism · Micro-Animations
   ===================================================== */

/* Google Fonts */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=DM+Sans:wght@400;500;700&family=JetBrains+Mono:wght@400;500;600&display=swap');

/* ─── Design Tokens ─── */
:root {
  /* Colors — Deep Navy/Charcoal Base */
  --bg-primary: #0a0e1a;
  --bg-secondary: #0f1425;
  --bg-tertiary: #151b30;
  --bg-card: rgba(15, 20, 40, 0.7);
  --bg-card-hover: rgba(20, 28, 55, 0.85);
  --bg-glass: rgba(255, 255, 255, 0.03);
  --bg-glass-hover: rgba(255, 255, 255, 0.06);
  --bg-input: rgba(255, 255, 255, 0.05);
  --bg-input-focus: rgba(255, 255, 255, 0.08);

  /* Accent Gradients */
  --accent-primary: #3b82f6;
  --accent-secondary: #8b5cf6;
  --accent-tertiary: #06b6d4;
  --accent-success: #10b981;
  --accent-warning: #f59e0b;
  --accent-danger: #ef4444;
  --gradient-primary: linear-gradient(135deg, #3b82f6, #8b5cf6);
  --gradient-secondary: linear-gradient(135deg, #06b6d4, #3b82f6);
  --gradient-accent: linear-gradient(135deg, #8b5cf6, #ec4899);
  --gradient-success: linear-gradient(135deg, #10b981, #06b6d4);
  --gradient-warm: linear-gradient(135deg, #f59e0b, #ef4444);
  --gradient-hero: linear-gradient(160deg, #0a0e1a 0%, #151b30 30%, #1a1040 60%, #0f1425 100%);

  /* Text */
  --text-primary: #f1f5f9;
  --text-secondary: #94a3b8;
  --text-tertiary: #64748b;
  --text-accent: #60a5fa;
  --text-muted: #475569;

  /* Border */
  --border-subtle: rgba(255, 255, 255, 0.06);
  --border-medium: rgba(255, 255, 255, 0.1);
  --border-accent: rgba(59, 130, 246, 0.3);
  --border-glow: rgba(59, 130, 246, 0.5);

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.4);
  --shadow-md: 0 4px 14px rgba(0, 0, 0, 0.5);
  --shadow-lg: 0 10px 40px rgba(0, 0, 0, 0.6);
  --shadow-xl: 0 20px 60px rgba(0, 0, 0, 0.7);
  --shadow-glow: 0 0 30px rgba(59, 130, 246, 0.15);
  --shadow-glow-accent: 0 0 40px rgba(139, 92, 246, 0.15);

  /* Typography */
  --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'DM Sans', 'Inter', sans-serif;
  --font-mono: 'JetBrains Mono', 'Fira Code', monospace;

  /* Spacing */
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  --space-4xl: 6rem;

  /* Radii */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 400ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-spring: 500ms cubic-bezier(0.34, 1.56, 0.64, 1);

  /* Layout */
  --max-width: 1200px;
  --sidebar-width: 320px;
  --nav-height: 70px;
}

/* ─── Reset & Base ─── */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  font-size: 16px;
}

body {
  font-family: var(--font-primary);
  background: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  min-height: 100vh;
}

/* Background grain/glow effect */
body::before {
  content: '';
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: 
    radial-gradient(ellipse 80% 60% at 50% -20%, rgba(59, 130, 246, 0.08), transparent),
    radial-gradient(ellipse 60% 40% at 80% 50%, rgba(139, 92, 246, 0.05), transparent),
    radial-gradient(ellipse 50% 30% at 20% 80%, rgba(6, 182, 212, 0.04), transparent);
  pointer-events: none;
  z-index: 0;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--text-accent); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--accent-primary); }
ul, ol { list-style: none; }

/* ─── Typography ─── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 800; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.25rem); font-weight: 700; letter-spacing: -0.02em; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.125rem; font-weight: 600; }
h5 { font-size: 1rem; font-weight: 600; }

p { color: var(--text-secondary); margin-bottom: var(--space-md); }

.text-gradient {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gradient-accent {
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.75rem; }
.text-lg { font-size: 1.125rem; }
.text-center { text-align: center; }

/* ─── Layout ─── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-xl);
  position: relative;
  z-index: 1;
}

.section {
  padding: var(--space-4xl) 0;
}

.section-header {
  text-align: center;
  margin-bottom: var(--space-3xl);
}

.section-header p {
  max-width: 640px;
  margin: var(--space-md) auto 0;
  font-size: 1.1rem;
}

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-xl); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-xl); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-lg); }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-col { display: flex; flex-direction: column; }
.gap-sm { gap: var(--space-sm); }
.gap-md { gap: var(--space-md); }
.gap-lg { gap: var(--space-lg); }

/* ─── Navigation ─── */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--nav-height);
  display: flex;
  align-items: center;
  background: rgba(10, 14, 26, 0.85);
  backdrop-filter: blur(20px) saturate(1.2);
  -webkit-backdrop-filter: blur(20px) saturate(1.2);
  border-bottom: 1px solid var(--border-subtle);
  transition: background var(--transition-base), box-shadow var(--transition-base);
}

.nav.scrolled {
  background: rgba(10, 14, 26, 0.95);
  box-shadow: var(--shadow-lg);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-xl);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--text-primary);
  text-decoration: none;
}

.nav-logo-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-md);
  background: var(--gradient-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
}

.nav-link {
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  font-size: 0.9rem;
  font-weight: 500;
  transition: all var(--transition-fast);
  text-decoration: none;
  position: relative;
}

.nav-link:hover, .nav-link.active {
  color: var(--text-primary);
  background: var(--bg-glass-hover);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 2px;
  background: var(--gradient-primary);
  border-radius: 1px;
}

.nav-cta {
  padding: 0.5rem 1.25rem;
  background: var(--gradient-primary);
  border-radius: var(--radius-full);
  color: white !important;
  font-weight: 600;
  font-size: 0.875rem;
  transition: all var(--transition-base);
  box-shadow: 0 2px 10px rgba(59, 130, 246, 0.3);
}

.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(59, 130, 246, 0.4);
}

/* Mobile Nav */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--text-primary);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 0.5rem;
}

.nav-mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  right: 0;
  background: rgba(10, 14, 26, 0.98);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-subtle);
  padding: var(--space-lg);
  flex-direction: column;
  gap: var(--space-xs);
  z-index: 999;
}

.nav-mobile-menu.open {
  display: flex;
}

/* ─── Hero Section ─── */
.hero {
  padding: calc(var(--nav-height) + var(--space-4xl)) 0 var(--space-4xl);
  background: var(--gradient-hero);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -20%;
  width: 60%;
  height: 120%;
  background: radial-gradient(ellipse, rgba(59, 130, 246, 0.08), transparent 70%);
  animation: heroGlow 8s ease-in-out infinite alternate;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  right: -10%;
  width: 40%;
  height: 80%;
  background: radial-gradient(ellipse, rgba(139, 92, 246, 0.06), transparent 70%);
  animation: heroGlow 10s ease-in-out infinite alternate-reverse;
}

@keyframes heroGlow {
  0% { opacity: 0.5; transform: scale(1); }
  100% { opacity: 1; transform: scale(1.1); }
}

.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-sm);
  padding: 0.4rem 1rem;
  background: var(--bg-glass);
  border: 1px solid var(--border-medium);
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-secondary);
  margin-bottom: var(--space-xl);
}

.hero-badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-success);
  animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.5); }
}

.hero h1 {
  margin-bottom: var(--space-lg);
}

.hero-description {
  font-size: 1.2rem;
  color: var(--text-secondary);
  max-width: 600px;
  margin: 0 auto var(--space-2xl);
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-3xl);
  margin-top: var(--space-3xl);
  padding-top: var(--space-2xl);
  border-top: 1px solid var(--border-subtle);
}

.hero-stat {
  text-align: center;
}

.hero-stat-value {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-stat-label {
  font-size: 0.85rem;
  color: var(--text-tertiary);
  margin-top: var(--space-xs);
}

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-md);
  font-family: var(--font-primary);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: all var(--transition-base);
  text-decoration: none;
  line-height: 1;
}

.btn-primary {
  background: var(--gradient-primary);
  color: white;
  box-shadow: 0 2px 15px rgba(59, 130, 246, 0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 25px rgba(59, 130, 246, 0.4);
  color: white;
}

.btn-secondary {
  background: var(--bg-glass);
  color: var(--text-primary);
  border: 1px solid var(--border-medium);
}

.btn-secondary:hover {
  background: var(--bg-glass-hover);
  border-color: var(--border-accent);
  color: var(--text-primary);
}

.btn-ghost {
  background: transparent;
  color: var(--text-secondary);
  padding: 0.75rem 1rem;
}

.btn-ghost:hover { color: var(--text-primary); }

.btn-lg {
  padding: 1rem 2.25rem;
  font-size: 1.05rem;
  border-radius: var(--radius-lg);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.85rem;
}

.btn-icon {
  width: 44px;
  height: 44px;
  padding: 0;
  border-radius: var(--radius-md);
}

/* ─── Cards ─── */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--border-accent), transparent);
  opacity: 0;
  transition: opacity var(--transition-base);
}

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

.card:hover::before { opacity: 1; }

.card-glass {
  background: var(--bg-glass);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: var(--space-lg);
  position: relative;
}

.card-icon.blue { background: rgba(59, 130, 246, 0.12); color: #60a5fa; }
.card-icon.purple { background: rgba(139, 92, 246, 0.12); color: #a78bfa; }
.card-icon.teal { background: rgba(6, 182, 212, 0.12); color: #22d3ee; }
.card-icon.green { background: rgba(16, 185, 129, 0.12); color: #34d399; }
.card-icon.amber { background: rgba(245, 158, 11, 0.12); color: #fbbf24; }
.card-icon.rose { background: rgba(244, 63, 94, 0.12); color: #fb7185; }

.card h3 {
  margin-bottom: var(--space-sm);
}

.card p {
  font-size: 0.9rem;
  color: var(--text-tertiary);
  margin-bottom: var(--space-lg);
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-accent);
  transition: gap var(--transition-base);
}

.card-link:hover {
  gap: 10px;
}

/* ─── Calculator Component ─── */
.calc-container {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: var(--space-xl);
  align-items: start;
}

.calc-main {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  position: relative;
}

.calc-main::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gradient-primary);
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

.calc-sidebar {
  position: sticky;
  top: calc(var(--nav-height) + var(--space-xl));
}

.calc-title {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  margin-bottom: var(--space-2xl);
}

.calc-title-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--gradient-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
}

/* Form Elements */
.form-group {
  margin-bottom: var(--space-lg);
}

.form-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
}

.form-label-tip {
  font-size: 0.75rem;
  color: var(--text-tertiary);
  font-weight: 400;
}

.form-input, .form-select {
  width: 100%;
  padding: 0.75rem 1rem;
  background: var(--bg-input);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  color: var(--text-primary);
  font-family: var(--font-primary);
  font-size: 0.95rem;
  transition: all var(--transition-fast);
  outline: none;
}

.form-input:focus, .form-select:focus {
  background: var(--bg-input-focus);
  border-color: var(--accent-primary);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
}

.form-input::placeholder { color: var(--text-muted); }

.form-input-group {
  position: relative;
}

.form-input-prefix {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-tertiary);
  font-weight: 600;
  pointer-events: none;
}

.form-input-prefix + .form-input {
  padding-left: 2rem;
}

.form-input-suffix {
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-tertiary);
  font-size: 0.85rem;
  font-weight: 500;
  pointer-events: none;
}

.form-select {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

.form-select option {
  background: var(--bg-secondary);
  color: var(--text-primary);
}

/* Range Slider */
.form-range {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  background: var(--bg-input);
  outline: none;
  margin: var(--space-sm) 0;
}

.form-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gradient-primary);
  cursor: pointer;
  border: 3px solid var(--bg-primary);
  box-shadow: 0 2px 8px rgba(59, 130, 246, 0.4);
  transition: transform var(--transition-fast);
}

.form-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.form-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gradient-primary);
  cursor: pointer;
  border: 3px solid var(--bg-primary);
}

.form-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-tertiary);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.form-checkbox {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.form-checkbox input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--accent-primary);
  cursor: pointer;
}

/* Calculator Button */
.calc-btn {
  width: 100%;
  padding: 1rem;
  background: var(--gradient-primary);
  border: none;
  border-radius: var(--radius-md);
  color: white;
  font-family: var(--font-primary);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-base);
  box-shadow: 0 4px 15px rgba(59, 130, 246, 0.3);
  margin-top: var(--space-lg);
}

.calc-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 25px rgba(59, 130, 246, 0.4);
}

.calc-btn:active {
  transform: translateY(0);
}

/* Results Panel */
.results-panel {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-2xl);
  opacity: 0;
  transform: translateY(10px);
  transition: all var(--transition-slow);
}

.results-panel.visible {
  opacity: 1;
  transform: translateY(0);
}

.results-total {
  text-align: center;
  padding: var(--space-xl);
  margin-bottom: var(--space-xl);
  background: var(--bg-glass);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-accent);
}

.results-total-label {
  font-size: 0.85rem;
  color: var(--text-tertiary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--space-sm);
}

.results-total-value {
  font-family: var(--font-display);
  font-size: 2.75rem;
  font-weight: 800;
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.1;
}

.results-total-range {
  font-size: 0.9rem;
  color: var(--text-secondary);
  margin-top: var(--space-sm);
}

.results-breakdown {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.results-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-md);
  background: var(--bg-glass);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-subtle);
}

.results-item-label {
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.results-item-value {
  font-family: var(--font-mono);
  font-weight: 600;
  color: var(--text-primary);
}

/* Disclaimer */
.calc-disclaimer {
  margin-top: var(--space-xl);
  padding: var(--space-lg);
  background: rgba(245, 158, 11, 0.06);
  border: 1px solid rgba(245, 158, 11, 0.15);
  border-radius: var(--radius-md);
  font-size: 0.8rem;
  color: var(--text-tertiary);
  line-height: 1.6;
}

.calc-disclaimer strong {
  color: var(--accent-warning);
}

/* ─── Expert Profile Card ─── */
.expert-card {
  display: flex;
  gap: var(--space-lg);
  padding: var(--space-xl);
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
}

.expert-card:hover {
  border-color: var(--border-accent);
  box-shadow: var(--shadow-glow);
}

.expert-avatar {
  width: 80px;
  height: 80px;
  border-radius: var(--radius-lg);
  background: var(--gradient-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  flex-shrink: 0;
}

.expert-info h4 {
  margin-bottom: 2px;
}

.expert-title {
  font-size: 0.85rem;
  color: var(--text-accent);
  font-weight: 500;
  margin-bottom: var(--space-sm);
}

.expert-bio {
  font-size: 0.85rem;
  color: var(--text-tertiary);
  line-height: 1.6;
  margin-bottom: var(--space-sm) !important;
}

.expert-credentials {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
}

.credential-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  background: var(--bg-glass);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-full);
  font-size: 0.7rem;
  color: var(--text-secondary);
  font-weight: 500;
}

/* ─── FAQ Accordion ─── */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--transition-base);
}

.faq-item.open {
  border-color: var(--border-accent);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-lg);
  background: none;
  border: none;
  color: var(--text-primary);
  font-family: var(--font-primary);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  text-align: left;
  transition: color var(--transition-fast);
}

.faq-question:hover { color: var(--text-accent); }

.faq-icon {
  font-size: 1.2rem;
  transition: transform var(--transition-base);
  color: var(--text-tertiary);
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  color: var(--text-accent);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow), padding var(--transition-slow);
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding: 0 var(--space-lg) var(--space-lg);
}

.faq-answer p {
  font-size: 0.9rem;
  color: var(--text-tertiary);
  line-height: 1.7;
}

/* ─── Trust Badges ─── */
.trust-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2xl);
  flex-wrap: wrap;
  padding: var(--space-xl) 0;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  font-size: 0.85rem;
  color: var(--text-tertiary);
}

.trust-item-icon {
  font-size: 1.1rem;
  color: var(--accent-success);
}

/* ─── Breadcrumbs ─── */
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  padding: var(--space-md) 0;
  font-size: 0.8rem;
  color: var(--text-tertiary);
}

.breadcrumbs a {
  color: var(--text-tertiary);
  transition: color var(--transition-fast);
}

.breadcrumbs a:hover { color: var(--text-accent); }

.breadcrumbs .separator { color: var(--text-muted); }

/* ─── Content Sections ─── */
.content-block {
  margin: var(--space-2xl) 0;
}

.content-block h2 {
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--border-subtle);
}

.content-block h3 {
  margin: var(--space-xl) 0 var(--space-md);
}

.content-block p {
  margin-bottom: var(--space-md);
  line-height: 1.8;
}

.content-block ul, .content-block ol {
  margin: var(--space-md) 0;
  padding-left: var(--space-xl);
}

.content-block ul { list-style: disc; }
.content-block ol { list-style: decimal; }

.content-block li {
  color: var(--text-secondary);
  margin-bottom: var(--space-sm);
  line-height: 1.7;
}

/* Info Box */
.info-box {
  padding: var(--space-lg);
  background: rgba(59, 130, 246, 0.06);
  border: 1px solid rgba(59, 130, 246, 0.15);
  border-radius: var(--radius-md);
  margin: var(--space-lg) 0;
}

.info-box.success {
  background: rgba(16, 185, 129, 0.06);
  border-color: rgba(16, 185, 129, 0.15);
}

.info-box.warning {
  background: rgba(245, 158, 11, 0.06);
  border-color: rgba(245, 158, 11, 0.15);
}

.info-box h4 {
  margin-bottom: var(--space-sm);
}

.info-box p {
  font-size: 0.9rem;
  margin-bottom: 0;
}

/* ─── Page Header (inner pages) ─── */
.page-header {
  padding: calc(var(--nav-height) + var(--space-3xl)) 0 var(--space-2xl);
  background: var(--gradient-hero);
  position: relative;
}

.page-header::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(ellipse at 30% 20%, rgba(59, 130, 246, 0.06), transparent 60%);
}

.page-header .container { position: relative; z-index: 2; }

.page-header h1 {
  margin-top: var(--space-md);
  margin-bottom: var(--space-md);
}

.page-header-desc {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 640px;
  line-height: 1.7;
}

.page-header-meta {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
  margin-top: var(--space-lg);
  font-size: 0.8rem;
  color: var(--text-tertiary);
}

.page-header-meta span {
  display: flex;
  align-items: center;
  gap: 4px;
}

/* ─── Ad Zones ─── */
.ad-zone {
  background: var(--bg-glass);
  border: 1px dashed var(--border-subtle);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  text-align: center;
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: var(--space-xl) 0;
  color: var(--text-muted);
  font-size: 0.75rem;
}

.ad-zone-sidebar {
  min-height: 250px;
  margin-bottom: var(--space-lg);
}

.ad-zone-header {
  min-height: 90px;
  max-width: 728px;
  margin: var(--space-md) auto;
}

/* ─── Footer ─── */
.footer {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border-subtle);
  padding: var(--space-4xl) 0 var(--space-xl);
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: var(--space-2xl);
  margin-bottom: var(--space-3xl);
}

.footer-brand p {
  font-size: 0.9rem;
  margin-top: var(--space-md);
  max-width: 280px;
}

.footer h5 {
  margin-bottom: var(--space-lg);
  color: var(--text-primary);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.footer-link {
  color: var(--text-tertiary);
  font-size: 0.9rem;
  transition: color var(--transition-fast);
}

.footer-link:hover { color: var(--text-primary); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: var(--space-xl);
  border-top: 1px solid var(--border-subtle);
  font-size: 0.8rem;
  color: var(--text-muted);
}

.footer-bottom a {
  color: var(--text-tertiary);
}

/* ─── Utility Classes ─── */
.mt-sm { margin-top: var(--space-sm); }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }
.mt-2xl { margin-top: var(--space-2xl); }
.mb-sm { margin-bottom: var(--space-sm); }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.mb-xl { margin-bottom: var(--space-xl); }

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

/* ─── Animations ─── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes countUp {
  from { opacity: 0; transform: scale(0.8); }
  to { opacity: 1; transform: scale(1); }
}

.animate-fadeInUp {
  animation: fadeInUp 0.6s ease-out forwards;
  opacity: 0;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }

/* ─── Responsive ─── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .calc-container { grid-template-columns: 1fr; }
  .calc-sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-2xl); }
}

@media (max-width: 768px) {
  :root { --nav-height: 60px; }
  .container { padding: 0 var(--space-md); }
  .section { padding: var(--space-2xl) 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  
  .hero { padding: calc(var(--nav-height) + var(--space-2xl)) 0 var(--space-2xl); }
  .hero-stats { flex-direction: column; gap: var(--space-lg); }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  
  .expert-card { flex-direction: column; }
  .trust-bar { gap: var(--space-lg); }
  
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: var(--space-md); text-align: center; }
  
  .results-total-value { font-size: 2rem; }
  .calc-main { padding: var(--space-lg); }
}

@media (max-width: 480px) {
  h1 { font-size: 1.75rem; }
  .hero-description { font-size: 1rem; }
}

/* ─── Print Styles ─── */
@media print {
  .nav, .footer, .ad-zone, .calc-btn, .nav-toggle { display: none !important; }
  body { background: white; color: black; }
  .card, .calc-main, .results-panel { border: 1px solid #ddd; box-shadow: none; background: white; }
  .text-gradient, .results-total-value { -webkit-text-fill-color: #1a1a2e; }
}

/* ─── E-E-A-T Byline ─── */
.calc-byline {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  margin-top: var(--space-lg);
  padding-top: var(--space-md);
  border-top: 1px solid var(--border-subtle);
  font-size: 0.85rem;
  color: var(--text-secondary);
}

.byline-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--bg-card);
  box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.byline-content {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.byline-author a {
  color: var(--text-primary);
  font-weight: 600;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.byline-author a:hover {
  color: var(--accent-primary);
}

.linkedin-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  background: #0077b5;
  color: white !important;
  font-weight: bold;
  font-size: 10px;
  border-radius: 3px;
  text-decoration: none;
  margin-left: 5px;
  vertical-align: middle;
}

.linkedin-icon:hover {
  background: #005582;
}

.byline-date {
  font-size: 0.75rem;
  color: var(--text-tertiary);
}

.expert-card img.expert-avatar {
  width: 80px;
  height: 80px;
  border-radius: var(--radius-lg);
  object-fit: cover;
  padding: 0;
  background: none;
}