:root {
  --bg: #f5f7fb;
  --card: #ffffff;
  --text: #1f2937;
  --muted: #64748b;
  --border: #dbe2ea;
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --accent: #f59e0b;
  --good: #047857;
  --warning: #b45309;
  --danger: #b91c1c;
  --shadow: 0 20px 45px rgba(15, 23, 42, 0.08);
  --radius: 24px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background:
    radial-gradient(circle at top left, rgba(37, 99, 235, 0.14), transparent 34rem),
    linear-gradient(135deg, #f8fafc 0%, var(--bg) 100%);
  color: var(--text);
  min-height: 100vh;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.nav {
  max-width: 1160px;
  margin: 0 auto;
  padding: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  font-weight: 900;
  letter-spacing: -0.03em;
}

.brand:hover { text-decoration: none; }

.brand-mark {
  display: inline-grid;
  place-items: center;
  width: 36px;
  height: 36px;
  color: white;
  background: var(--primary);
  border-radius: 12px;
  box-shadow: 0 10px 22px rgba(37, 99, 235, 0.25);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  font-weight: 700;
}

.nav-links a { color: #334155; }

.menu-button {
  display: none;
  border: 1px solid var(--border);
  background: white;
  color: var(--text);
  border-radius: 12px;
  padding: 9px 12px;
  font-size: 1.1rem;
}

main {
  max-width: 1160px;
  margin: 0 auto;
  padding: 18px 20px 52px;
}

.hero {
  padding: 58px 0 36px;
  text-align: center;
}

.eyebrow {
  color: var(--primary);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  margin-bottom: 12px;
}

.hero h1,
.page-header h1 {
  margin: 0 auto 16px;
  max-width: 950px;
  font-size: clamp(2.25rem, 6vw, 4.8rem);
  line-height: 0.97;
  letter-spacing: -0.07em;
}

.hero p,
.page-header p {
  margin: 0 auto;
  max-width: 780px;
  color: var(--muted);
  font-size: 1.08rem;
  line-height: 1.65;
}

.hero-actions {
  margin-top: 26px;
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
}

.button,
button.primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 16px;
  padding: 14px 18px;
  background: var(--primary);
  color: white;
  font-size: 1rem;
  font-weight: 900;
  cursor: pointer;
  box-shadow: 0 14px 26px rgba(37, 99, 235, 0.18);
}

.button:hover,
button.primary:hover {
  background: var(--primary-dark);
  text-decoration: none;
}

.button.secondary {
  background: white;
  color: var(--text);
  border: 1px solid var(--border);
  box-shadow: none;
}

.section { margin-top: 24px; }

.section-header { margin-bottom: 18px; }

.section-header h2,
.card h2 {
  margin: 0 0 8px;
  font-size: clamp(1.45rem, 3vw, 2rem);
  letter-spacing: -0.04em;
}

.section-header p,
.card p,
.article-body p,
.article-body li {
  color: var(--muted);
  line-height: 1.7;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.card {
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
}

.tool-card {
  display: flex;
  flex-direction: column;
  min-height: 265px;
}

.tool-card .icon {
  font-size: 2rem;
  margin-bottom: 14px;
}

.tool-card .button {
  margin-top: auto;
  width: fit-content;
}

.callout {
  border: 1px solid rgba(37, 99, 235, 0.22);
  background: rgba(37, 99, 235, 0.08);
  border-radius: var(--radius);
  padding: 24px;
}

.ad-placeholder {
  margin: 28px 0;
  border: 2px dashed #cbd5e1;
  border-radius: 18px;
  min-height: 92px;
  display: grid;
  place-items: center;
  text-align: center;
  color: var(--muted);
  background: rgba(255, 255, 255, 0.58);
  padding: 20px;
}

.page-header {
  text-align: center;
  padding: 42px 0 28px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: 390px 1fr;
  gap: 24px;
  align-items: start;
}

.calculator-panel {
  position: sticky;
  top: 18px;
}

label {
  display: block;
  margin-bottom: 8px;
  font-weight: 800;
  font-size: 0.92rem;
}

.input-group { margin-bottom: 18px; }

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 13px 14px;
  font-size: 1rem;
  outline: none;
  background: #fff;
  color: var(--text);
  transition: border 0.2s, box-shadow 0.2s;
  font-family: inherit;
}

textarea {
  min-height: 150px;
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.three-col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.hint {
  margin-top: 7px;
  color: var(--muted);
  font-size: 0.82rem;
  line-height: 1.35;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-bottom: 24px;
}

.summary-box {
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 18px;
  background: #f8fafc;
}

.summary-box span {
  display: block;
  color: var(--muted);
  font-size: 0.86rem;
  margin-bottom: 8px;
}

.summary-box strong {
  display: block;
  font-size: clamp(1.28rem, 3vw, 2rem);
  letter-spacing: -0.04em;
  overflow-wrap: anywhere;
}

.good { color: var(--good); }
.warning { color: var(--warning); }
.danger { color: var(--danger); }

.bar-wrap {
  margin: 18px 0 28px;
  border: 1px solid var(--border);
  border-radius: 18px;
  overflow: hidden;
  background: #eef2f7;
}

.bar {
  display: flex;
  width: 100%;
  min-height: 46px;
  color: #fff;
  font-size: 0.85rem;
  font-weight: 900;
}

.principal-bar,
.interest-bar,
.growth-bar,
.contribution-bar,
.shortfall-bar,
.goal-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 42px;
  padding: 0 8px;
}

.principal-bar { background: var(--primary); }
.interest-bar { background: var(--accent); }
.contribution-bar { background: var(--primary); }
.growth-bar { background: var(--good); }
.shortfall-bar { background: var(--danger); }
.goal-bar { background: var(--primary); }

.note {
  color: var(--muted);
  line-height: 1.55;
  margin: 0 0 20px;
}

.table-holder {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: 18px;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 740px;
  background: #fff;
}

th,
td {
  padding: 12px 14px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

th:first-child,
td:first-child { text-align: left; }

th {
  background: #f8fafc;
  color: #374151;
  font-size: 0.86rem;
}

tr:last-child td { border-bottom: 0; }

.article-body {
  max-width: 820px;
  margin: 0 auto;
}

.article-body h2,
.article-body h3 {
  letter-spacing: -0.03em;
  color: var(--text);
}

.article-body h2 { margin-top: 34px; }

.article-body ul,
.article-body ol { padding-left: 1.3rem; }

.article-meta {
  color: var(--muted);
  margin-bottom: 22px;
}

.form-success-note {
  background: rgba(4, 120, 87, 0.09);
  border: 1px solid rgba(4, 120, 87, 0.22);
  color: #065f46;
  border-radius: 16px;
  padding: 14px;
  margin-bottom: 18px;
}

.site-footer {
  max-width: 1160px;
  margin: 0 auto;
  padding: 32px 20px 44px;
  color: var(--muted);
  font-size: 0.92rem;
}

.footer-grid {
  border-top: 1px solid var(--border);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
}

.footer-grid div:last-child {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.fine-print { margin-top: 16px; }

@media (max-width: 1060px) {
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 920px) {
  .grid-3,
  .calculator-layout {
    grid-template-columns: 1fr;
  }

  .calculator-panel { position: static; }
}

@media (max-width: 700px) {
  .nav { align-items: flex-start; }

  .menu-button { display: inline-block; }

  .nav-links {
    display: none;
    position: absolute;
    top: 70px;
    right: 20px;
    left: 20px;
    padding: 18px;
    background: white;
    border: 1px solid var(--border);
    border-radius: 18px;
    box-shadow: var(--shadow);
    flex-direction: column;
    align-items: flex-start;
  }

  .nav-links.open { display: flex; }

  .grid-2,
  .grid-3,
  .grid-4,
  .two-col,
  .three-col,
  .summary-grid {
    grid-template-columns: 1fr;
  }

  .hero { padding-top: 34px; }

  .footer-grid { flex-direction: column; }
}

/* SEO growth update */
.faq {
  margin-top: 24px;
}

.faq details {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 16px 18px;
  margin-bottom: 12px;
}

.faq summary {
  cursor: pointer;
  font-weight: 900;
  color: var(--text);
}

.faq p {
  margin-bottom: 0;
}

.result-tag {
  display: inline-flex;
  align-items: center;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(37, 99, 235, 0.1);
  color: var(--primary);
  font-weight: 900;
  font-size: 0.82rem;
}

.link-list {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.link-list a {
  display: block;
  padding: 14px 16px;
  border: 1px solid var(--border);
  background: white;
  border-radius: 14px;
  color: var(--text);
  font-weight: 800;
}

.link-list a:hover {
  border-color: var(--primary);
  text-decoration: none;
}

.mini-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

@media (max-width: 700px) {
  .mini-grid {
    grid-template-columns: 1fr;
  }
}