:root{
  --ink:       #0E1117;
  --ink-soft:  #1C2333;
  --card:      #1E2535;
  --card-lite: #252D40;
  --gold:      #F5C842;
  --gold-glow: rgba(245,200,66,.15);
  --teal:      #2EC4B6;
  --red:       #FF6B6B;
  --green:     #4ECB71;
  --amber:     #F4A261;
  --text:      #E8EAF0;
  --text-soft: #8B92A8;
  --border:    rgba(255,255,255,.08);
  --r-sm:      6px;
  --r-md:      14px;
  --r-lg:      24px;
  --shadow:    0 8px 40px rgba(0,0,0,.45);
  --f-head:    'Playfair Display', serif;
  --f-body:    'Mulish', sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--f-body);
  background:var(--ink);
  color:var(--text);
  min-height:100vh;
  overflow-x:hidden;
}
body::before{
  content:'';position:fixed;inset:0;
  background-image:
    linear-gradient(rgba(245,200,66,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(245,200,66,.025) 1px,transparent 1px);
  background-size:48px 48px;
  pointer-events:none;z-index:0;
}

/* ── ADS ── */
.ad-unit{
  position:relative;z-index:1;text-align:center;
  background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-md);overflow:hidden;
}
.ad-unit-label{
  font-size:10px;color:var(--text-soft);
  text-transform:uppercase;letter-spacing:.1em;
  padding:6px 0 4px;display:block;
}
.ad-leaderboard{width:100%;min-height:100px;padding:8px;}
.ad-rectangle{width:100%;min-height:300px;padding:8px;}
.ad-sidebar{width:100%;min-height:260px;padding:8px;}

/* ── HEADER ── */
.site-header{
  position:relative;z-index:1;
  background:linear-gradient(135deg,#0E1117 0%,#1a2236 100%);
  border-bottom:1px solid var(--border);
  padding:0 24px;overflow:hidden;
}
.site-header::after{
  content:'🛡';position:absolute;
  right:40px;top:-10px;
  font-size:220px;line-height:1;
  opacity:.04;pointer-events:none;
  user-select:none;
}
.header-inner{
  max-width:1140px;margin:0 auto;
  padding:52px 0 68px;
  display:grid;grid-template-columns:1fr auto;
  gap:32px;align-items:center;
}
.breadcrumb{
  display:flex;align-items:center;gap:8px;
  font-size:12px;color:var(--text-soft);margin-bottom:18px;
}
.breadcrumb a{color:var(--gold);text-decoration:none;}
.breadcrumb a:hover{text-decoration:underline;}
.breadcrumb span{opacity:.4;}
h1{
  font-family:var(--f-head);
  font-size:clamp(2rem,4vw,3.4rem);
  font-weight:900;color:#fff;
  line-height:1.08;margin-bottom:14px;
}
h1 .accent{color:var(--gold);}
.header-desc{font-size:1rem;color:var(--text-soft);font-weight:300;line-height:1.7;max-width:560px;}
.header-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px;}
.pill{
  display:inline-flex;align-items:center;gap:5px;
  background:rgba(245,200,66,.1);border:1px solid rgba(245,200,66,.2);
  color:var(--gold);font-size:12px;font-weight:600;
  padding:5px 12px;border-radius:100px;
}
.header-quick{
  background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:24px 28px;
  min-width:220px;text-align:center;
}
.hq-label{font-size:12px;color:var(--text-soft);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;}
.hq-val{font-family:var(--f-head);font-size:2.2rem;font-weight:700;color:var(--gold);line-height:1;}
.hq-sub{font-size:12px;color:var(--text-soft);margin-top:6px;}

/* ── LAYOUT ── */
.page-wrap{
  position:relative;z-index:1;
  max-width:1140px;margin:0 auto;
  padding:44px 24px 0;
  display:grid;grid-template-columns:1fr 340px;
  gap:28px;align-items:start;
}

/* ── CARD ── */
.card{
  background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:32px;box-shadow:var(--shadow);
}
.card+.card{margin-top:24px;}
.card-head{
  display:flex;align-items:center;gap:10px;
  font-family:var(--f-head);font-size:1.1rem;font-weight:700;color:#fff;
  margin-bottom:24px;padding-bottom:16px;border-bottom:1px solid var(--border);
}
.card-icon{
  width:34px;height:34px;
  background:var(--gold-glow);border:1px solid rgba(245,200,66,.25);
  border-radius:8px;display:flex;align-items:center;justify-content:center;
  font-size:16px;flex-shrink:0;
}

/* ── STEP LABELS ── */
.step-label{
  font-size:11px;font-weight:700;text-transform:uppercase;
  letter-spacing:.1em;color:var(--gold);
  border-bottom:1px solid var(--border);
  padding-bottom:8px;margin:20px 0 14px;
  display:flex;align-items:center;gap:8px;
}
.step-num{
  width:20px;height:20px;
  background:var(--gold);color:var(--ink);
  border-radius:50%;font-size:11px;font-weight:800;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}

/* ── EXPENSE FIELDS ── */
.expense-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:12px;margin-bottom:4px;
}
.field{display:flex;flex-direction:column;gap:5px;}
.field label{
  font-size:11px;font-weight:700;color:var(--text-soft);
  text-transform:uppercase;letter-spacing:.06em;
}
.field .hint{font-size:10px;color:var(--text-soft);opacity:.7;}
.input-wrap{position:relative;}
.input-prefix{
  position:absolute;left:12px;top:50%;transform:translateY(-50%);
  font-size:14px;font-weight:700;color:var(--gold);pointer-events:none;
}
.field input,.field select{
  background:var(--ink-soft);border:1.5px solid var(--border);
  border-radius:var(--r-sm);padding:10px 12px 10px 30px;
  color:var(--text);font-family:var(--f-body);font-size:14px;
  outline:none;width:100%;
  transition:border-color .2s,box-shadow .2s;appearance:none;
}
.field input.no-prefix,.field select.no-prefix{padding-left:12px;}
.field input:focus,.field select:focus{
  border-color:var(--gold);box-shadow:0 0 0 3px rgba(245,200,66,.12);
}
.total-row{
  display:flex;justify-content:space-between;align-items:center;
  background:rgba(245,200,66,.07);border:1px solid rgba(245,200,66,.2);
  border-radius:var(--r-sm);padding:12px 16px;margin-top:12px;
}
.total-row span:first-child{font-size:13px;font-weight:700;color:var(--text-soft);text-transform:uppercase;letter-spacing:.06em;}
.total-row span:last-child{font-family:var(--f-head);font-size:1.3rem;font-weight:800;color:var(--gold);}

/* ── PROFILE GRID ── */
.profile-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.profile-grid .field input.no-prefix{padding-left:12px;}

/* ── RISK SELECTOR ── */
.risk-tabs{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:8px;margin-bottom:4px;
}
.risk-tab{
  padding:10px 6px;border:1.5px solid var(--border);
  background:var(--ink-soft);border-radius:var(--r-sm);
  color:var(--text-soft);font-family:var(--f-body);
  font-size:12px;font-weight:600;cursor:pointer;
  transition:all .2s;text-align:center;line-height:1.3;
}
.risk-tab:hover{border-color:rgba(245,200,66,.3);}
.risk-tab.active{background:var(--gold-glow);border-color:var(--gold);color:var(--gold);}
.risk-tab .rt-icon{font-size:20px;display:block;margin-bottom:4px;}
.risk-tab .rt-label{font-size:11px;}
.risk-tab .rt-months{font-size:10px;opacity:.7;margin-top:2px;}

/* ── CURRENCY ── */
.currency-select{
  background:var(--ink-soft);border:1px solid var(--border);
  border-radius:100px;padding:7px 16px;color:var(--text);
  font-family:var(--f-body);font-size:13px;font-weight:600;
  cursor:pointer;outline:none;appearance:none;
  margin-bottom:20px;
}

/* ── BUTTON ── */
.btn-calc{
  width:100%;margin-top:22px;padding:16px;
  background:var(--gold);color:var(--ink);border:none;
  border-radius:var(--r-md);font-family:var(--f-head);
  font-size:1.05rem;font-weight:700;cursor:pointer;
  letter-spacing:.02em;transition:all .2s;
  box-shadow:0 4px 24px rgba(245,200,66,.3);
  display:flex;align-items:center;justify-content:center;gap:10px;
}
.btn-calc:hover{background:#fff;transform:translateY(-2px);box-shadow:0 8px 32px rgba(245,200,66,.4);}
.btn-calc:active{transform:translateY(0);}

/* ── RESULTS ── */
#result-panel{display:none;}
#result-panel.show{display:block;animation:fadeUp .4s ease;}
@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}

.result-hero{
  background:linear-gradient(135deg,var(--card-lite),var(--card));
  border:1px solid rgba(245,200,66,.2);border-radius:var(--r-md);
  padding:28px 24px;text-align:center;margin-bottom:20px;
  position:relative;overflow:hidden;
}
.result-hero::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 50% 0%,var(--gold-glow),transparent 70%);
}
.rh-label{font-size:12px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.1em;margin-bottom:6px;}
.rh-number{font-family:var(--f-head);font-size:clamp(2.2rem,5vw,3.6rem);font-weight:900;color:var(--gold);line-height:1;margin-bottom:6px;}
.rh-sub{font-size:.9rem;color:var(--text-soft);}

/* Mini grid */
.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px;}
.mini-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:18px;}
.mini-card{background:var(--ink-soft);border:1px solid var(--border);border-radius:var(--r-sm);padding:14px;}
.mini-label{font-size:11px;font-weight:700;color:var(--text-soft);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px;}
.mini-val{font-family:var(--f-head);font-size:1.1rem;font-weight:700;color:#fff;}
.mini-sub{font-size:11px;color:var(--text-soft);margin-top:2px;}
.mini-card.accent .mini-val{color:var(--gold);}
.mini-card.green  .mini-val{color:var(--green);}
.mini-card.red    .mini-val{color:var(--red);}
.mini-card.teal   .mini-val{color:var(--teal);}
.mini-card.amber  .mini-val{color:var(--amber);}

/* Coverage meter */
.coverage-wrap{margin-bottom:20px;}
.coverage-header{display:flex;justify-content:space-between;font-size:12px;color:var(--text-soft);font-weight:600;margin-bottom:8px;}
.coverage-bar{height:14px;border-radius:100px;background:var(--ink-soft);overflow:hidden;position:relative;}
.coverage-fill{height:100%;border-radius:100px;transition:width .9s cubic-bezier(.34,1.56,.64,1);}
.coverage-target-line{
  position:absolute;top:0;bottom:0;width:2px;
  background:#fff;opacity:.4;
}
.coverage-labels{display:flex;justify-content:space-between;font-size:11px;color:var(--text-soft);margin-top:5px;}

/* Savings plan table */
.plan-table{width:100%;border-collapse:collapse;font-size:13px;margin-top:8px;}
.plan-table thead th{
  background:var(--ink-soft);color:var(--text-soft);
  font-size:11px;font-weight:700;text-transform:uppercase;
  letter-spacing:.06em;padding:9px 12px;text-align:left;
}
.plan-table thead th:last-child{text-align:right;}
.plan-table tbody td{padding:10px 12px;border-bottom:1px solid var(--border);color:var(--text);font-size:13px;}
.plan-table tbody td:last-child{text-align:right;font-weight:700;color:var(--gold);}
.plan-table tbody tr:last-child td{border-bottom:none;}
.plan-table tbody tr:hover td{background:rgba(255,255,255,.02);}
.plan-table .highlight td{background:rgba(245,200,66,.06);}

/* Status badge */
.status-badge{
  display:inline-flex;align-items:center;gap:6px;
  padding:8px 16px;border-radius:100px;
  font-size:13px;font-weight:700;margin-bottom:18px;
}
.status-badge.great{background:rgba(78,203,113,.15);color:var(--green);border:1px solid rgba(78,203,113,.3);}
.status-badge.good{background:rgba(46,196,182,.15);color:var(--teal);border:1px solid rgba(46,196,182,.3);}
.status-badge.building{background:rgba(244,162,97,.15);color:var(--amber);border:1px solid rgba(244,162,97,.3);}
.status-badge.start{background:rgba(255,107,107,.15);color:var(--red);border:1px solid rgba(255,107,107,.3);}

/* Recommendation block */
.rec-block{
  background:var(--ink-soft);border-left:4px solid var(--gold);
  border-radius:0 var(--r-sm) var(--r-sm) 0;
  padding:16px 18px;margin-bottom:16px;
}
.rec-block h3{font-family:var(--f-head);font-size:.95rem;font-weight:700;color:var(--gold);margin-bottom:6px;}
.rec-block p{font-size:.875rem;color:var(--text-soft);line-height:1.65;margin:0;}

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

.rules-list{display:flex;flex-direction:column;gap:10px;}
.rule-item{
  display:flex;gap:12px;align-items:flex-start;
  padding:12px;background:var(--ink-soft);
  border-radius:var(--r-sm);border:1px solid var(--border);
}
.rule-icon{font-size:20px;flex-shrink:0;line-height:1.2;}
.rule-body{}
.rule-title{font-size:13px;font-weight:700;color:#fff;margin-bottom:3px;}
.rule-desc{font-size:12px;color:var(--text-soft);line-height:1.5;}

.months-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;}
.month-card{
  background:var(--ink-soft);border:1px solid var(--border);
  border-radius:var(--r-sm);padding:12px;text-align:center;
}
.month-card .mc-type{font-size:11px;color:var(--text-soft);font-weight:600;margin-bottom:4px;}
.month-card .mc-months{font-family:var(--f-head);font-size:1.4rem;font-weight:800;color:var(--gold);}
.month-card .mc-label{font-size:10px;color:var(--text-soft);margin-top:2px;}

/* ── CONTENT ── */
.content-wrap{
  max-width:1140px;margin:0 auto;
  padding:48px 24px 80px;
  position:relative;z-index:1;
}
.content-wrap h2{
  font-family:var(--f-head);
  font-size:clamp(1.5rem,3vw,2rem);
  font-weight:800;color:#fff;
  margin-bottom:14px;margin-top:52px;
}
.content-wrap h2:first-of-type{margin-top:0;}
.content-wrap h3{font-family:var(--f-head);font-size:1.1rem;font-weight:700;color:var(--gold);margin:28px 0 10px;}
.content-wrap p{color:var(--text-soft);line-height:1.85;font-size:.975rem;margin-bottom:14px;}
.content-wrap p strong{color:var(--text);}
.content-wrap a{color:var(--gold);}
.content-wrap ul,.content-wrap ol{padding-left:22px;margin-bottom:14px;}
.content-wrap li{color:var(--text-soft);line-height:1.8;font-size:.975rem;margin-bottom:6px;}
.content-wrap li strong{color:var(--text);}

.formula-box{
  background:var(--card);border:1px solid rgba(245,200,66,.2);
  border-left:4px solid var(--gold);
  border-radius:0 var(--r-sm) var(--r-sm) 0;
  padding:18px 20px;margin:20px 0;
  font-family:monospace;font-size:.9rem;color:var(--gold);line-height:2;
}
.big-table{width:100%;border-collapse:collapse;font-size:13px;}
.big-table thead th{
  background:var(--card);color:var(--text-soft);
  font-size:11px;font-weight:700;text-transform:uppercase;
  letter-spacing:.07em;padding:11px 12px;text-align:left;
  border-bottom:2px solid var(--border);
}
.big-table thead th:last-child{text-align:right;}
.big-table tbody td{padding:10px 12px;border-bottom:1px solid var(--border);color:var(--text);}
.big-table tbody td:last-child{text-align:right;font-weight:700;color:var(--gold);}
.big-table tbody tr:hover td{background:rgba(255,255,255,.02);}
.big-table .highlight-row td{background:rgba(245,200,66,.05);}

/* 6 Info Cards */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0;}
.info-card{
  background:var(--card);border:1px solid var(--border);
  border-radius:var(--r-md);padding:24px;
  transition:border-color .2s,transform .2s;
}
.info-card:hover{border-color:rgba(245,200,66,.3);transform:translateY(-3px);}
.info-card h3{font-family:var(--f-head);font-size:1rem;font-weight:700;color:#fff;margin:0 0 10px;}
.info-card p{font-size:.875rem;color:var(--text-soft);line-height:1.65;margin:0;}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:3px;}
.faq-item{background:var(--card);border:1px solid var(--border);border-radius:var(--r-sm);overflow:hidden;}
.faq-q{
  padding:16px 20px;font-weight:600;font-size:.92rem;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;
  color:#fff;user-select:none;transition:background .2s;
}
.faq-q:hover{background:var(--card-lite);}
.faq-q .arr{color:var(--gold);transition:transform .3s;font-size:1rem;flex-shrink:0;margin-left:12px;}
.faq-item.open .faq-q .arr{transform:rotate(180deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;font-size:.9rem;color:var(--text-soft);line-height:1.75;}
.faq-item.open .faq-a{max-height:400px;padding:0 20px 18px;}

/* Footer */
footer{
  background:var(--ink-soft);border-top:1px solid var(--border);
  color:var(--text-soft);text-align:center;
  padding:36px 24px;font-size:13px;line-height:1.8;
  position:relative;z-index:1;
}
footer a{color:var(--gold);text-decoration:none;}
footer a:hover{text-decoration:underline;}
.footer-links{display:flex;flex-wrap:wrap;justify-content:center;gap:16px;margin:10px 0;}
.footer-copy{margin-top:14px;font-size:12px;opacity:.6;}

/* Responsive */
@media(max-width:960px){
  .page-wrap{grid-template-columns:1fr;}
  .header-inner{grid-template-columns:1fr;}
  .header-quick{display:none;}
  .info-grid{grid-template-columns:1fr 1fr;}
  .mini-grid-3{grid-template-columns:1fr 1fr;}
}
@media(max-width:640px){
  .card{padding:20px 16px;}
  .expense-grid{grid-template-columns:1fr;}
  .profile-grid{grid-template-columns:1fr;}
  .risk-tabs{grid-template-columns:1fr 1fr;}
  .mini-grid{grid-template-columns:1fr;}
  .mini-grid-3{grid-template-columns:1fr;}
  .info-grid{grid-template-columns:1fr;}
  .months-grid{grid-template-columns:1fr 1fr;}
}