/* ============================================================
   CroreSutra.in — Master Stylesheet
   Font: Inter | Blue theme | Version 1.0
   To change color: update --primary vars only
   To change font:  update --font only
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

:root {
  --primary:        #1558B0;
  --primary-dark:   #082860;
  --primary-deeper: #051d47;
  --primary-mid:    #1D4ED8;
  --primary-light:  #3B82F6;
  --primary-pale:   #93C5FD;
  --primary-bg:     #EBF4FF;
  --primary-border: #BFDBFE;
  --accent:         #2563EB;
  --green:          #15803D;
  --green-light:    #DCFCE7;
  --red:            #DC2626;
  --red-light:      #FEE2E2;
  --amber:          #D97706;
  --amber-light:    #FEF3C7;
  --ink:            #0d0d0d;
  --ink2:           #111111;
  --ink3:           #222222;
  --ink4:           #444444;
  --ink5:           #666666;
  --border:         #CCCCCC;
  --border-light:   #E0E0E0;
  --border-lighter: #EFEFEF;
  --bg:             #FFFFFF;
  --bg-alt:         #F7F7F7;
  --font:           'Inter', system-ui, sans-serif;
  --text-xs:  12px; --text-sm: 13px; --text-base: 15px;
  --text-md:  16px; --text-lg: 18px; --text-xl:   20px;
  --text-2xl: 24px; --text-3xl:30px; --text-4xl:  36px;
  --r-sm: 6px; --r-md: 10px; --r-lg: 16px; --r-xl: 24px; --r-full: 9999px;
  --shadow-sm: 0 1px 3px rgba(8,40,96,.06);
  --shadow-md: 0 4px 16px rgba(8,40,96,.09);
  --shadow-lg: 0 8px 32px rgba(8,40,96,.11);
  --shadow-xl: 0 16px 48px rgba(8,40,96,.13);
  --transition: all .18s ease;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font);font-size:var(--text-base);line-height:1.7;color:var(--ink2);background:var(--bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-feature-settings:"cv02","cv03","cv04","cv11";overflow-x:hidden;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
ul,ol{list-style:none;}
button{cursor:pointer;font-family:var(--font);}
input,select,textarea{font-family:var(--font);}

/* TOPBAR */
.topbar{background:var(--primary-dark);color:rgba(255,255,255,.82);font-size:var(--text-xs);font-weight:600;text-align:center;padding:7px 1.5rem;letter-spacing:.02em;}
.topbar b{color:#7DD3FC;font-weight:700;}

/* NAV */
.nav{background:var(--bg);border-bottom:2px solid var(--primary);position:sticky;top:0;z-index:1000;box-shadow:0 2px 12px rgba(21,88,176,.08);transition:box-shadow .2s;}
/* ── STICKY NAV WRAPPER ─────────────────────────────── */
#site-nav{position:sticky;top:0;z-index:1001;}

.nav-inner{max-width:1200px;margin:0 auto;padding:0 1.5rem;display:flex;align-items:center;height:64px;gap:6px;}
.logo{display:flex;align-items:center;gap:9px;flex-shrink:0;margin-right:16px;text-decoration:none;}
.logo-mark{width:36px;height:36px;background:var(--primary);border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:18px;}
.logo-name{font-size:18px;font-weight:700;color:#111111;}
.logo-name span{color:#1558B0;}
.nav-links{display:flex;align-items:center;gap:2px;flex:1;}
.nav-links>li{position:relative;}
.nav-links>li>a{display:flex;align-items:center;gap:4px;padding:6px 11px;font-size:13px;font-weight:600;color:#222222;border-radius:var(--r-sm);transition:var(--transition);white-space:nowrap;}
.nav-links>li>a:hover,.nav-links>li>a.active{background:var(--primary-bg);color:var(--primary);}
.nav-links>li.nav-open>a{background:var(--primary-bg);color:var(--primary);}.dropdown.open{display:block;}.nav-links>li:hover>.dropdown{display:block;}.nav-links>li:hover>a{color:var(--primary);}
.dropdown{display:none;position:absolute;top:100%;left:0;background:#ffffff;border:1.5px solid var(--border-light);border-top:3px solid var(--primary);border-radius:0 0 var(--r-md) var(--r-md);min-width:220px;box-shadow:0 8px 24px rgba(0,0,0,.15);padding:6px;z-index:2000;margin-top:0;}
.dropdown a{display:flex;align-items:center;gap:10px;padding:9px 12px;font-size:var(--text-sm);font-weight:600;color:var(--ink3);border-radius:var(--r-sm);transition:var(--transition);}
.dropdown a:hover{background:var(--primary-bg);color:var(--primary);}
.drop-icon{width:28px;height:28px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0;}.dic{width:28px;height:28px;border-radius:6px;display:inline-flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0;margin-right:2px;}
.nav-cta{margin-left:auto;background:var(--primary);color:#fff!important;padding:8px 20px;border-radius:var(--r-sm);font-size:var(--text-sm);font-weight:700;transition:var(--transition);white-space:nowrap;flex-shrink:0;}
.nav-cta:hover{background:var(--primary-dark)!important;}
.nav-toggle{display:none;background:none;border:none;padding:8px;margin-left:auto;}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;transition:var(--transition);border-radius:2px;}

/* TICKER */

/* HERO */

/* ── TICKER CLASSES (shared.js injects these) ──────────── */
.ticker{background:#0E3D8A;padding:6px 1.5rem;overflow:hidden;position:relative;}
.ticker-track{display:flex;gap:0;animation:tickerScroll 35s linear infinite;width:max-content;}
.ticker-track:hover{animation-play-state:paused;}
.ti{display:flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:rgba(255,255,255,.75);white-space:nowrap;padding:0 18px;}
.ti-l{color:rgba(255,255,255,.45);font-weight:500;margin-right:2px;}
.ti-sep{color:rgba(255,255,255,.2);padding:0 2px;}
.up{color:#4ADE80;}
.dn{color:#F87171;}
@keyframes tickerScroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

.hero{background:linear-gradient(145deg,var(--primary-deeper) 0%,var(--primary-dark) 45%,var(--primary) 100%);padding:60px 1.5rem 68px;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;right:-100px;top:-100px;width:500px;height:500px;border-radius:50%;background:rgba(59,130,246,.08);pointer-events:none;}
.hero::after{content:'₹';position:absolute;right:5%;top:50%;transform:translateY(-50%);font-size:280px;font-weight:900;color:rgba(255,255,255,.035);line-height:1;pointer-events:none;font-family:var(--font);}
.hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:3.5rem;align-items:center;position:relative;z-index:1;}
.hero-pill{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.22);border-radius:var(--r-full);padding:5px 16px;font-size:var(--text-xs);font-weight:700;color:rgba(255,255,255,.9);letter-spacing:.06em;text-transform:uppercase;margin-bottom:20px;}
.hero h1{font-size:clamp(30px,4vw,50px);font-weight:900;color:#fff;line-height:1.1;letter-spacing:-.025em;margin-bottom:18px;}
.hero h1 em{font-style:normal;color:#93C5FD;}
.hero-sub{font-size:var(--text-md);font-weight:500;color:rgba(255,255,255,.78);line-height:1.7;margin-bottom:26px;max-width:500px;}
.hero-points{display:flex;flex-direction:column;gap:10px;margin-bottom:32px;}
.hero-point{display:flex;align-items:center;gap:10px;font-size:var(--text-sm);font-weight:600;color:rgba(255,255,255,.88);}
.hero-point::before{content:'✓';width:22px;height:22px;background:rgba(255,255,255,.16);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;color:#93C5FD;flex-shrink:0;}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;}
.btn-hero-primary{background:#fff;color:var(--primary-dark);padding:13px 26px;border-radius:var(--r-md);font-size:var(--text-base);font-weight:800;transition:var(--transition);display:inline-block;border:none;}
.btn-hero-primary:hover{background:var(--primary-bg);transform:translateY(-1px);}
.btn-hero-ghost{background:rgba(255,255,255,.13);color:#fff;border:1.5px solid rgba(255,255,255,.28);padding:13px 26px;border-radius:var(--r-md);font-size:var(--text-base);font-weight:700;transition:var(--transition);display:inline-block;}
.btn-hero-ghost:hover{background:rgba(255,255,255,.22);}

/* MINI CALC WIDGET */
.calc-widget{background:#fff;border-radius:var(--r-xl);padding:28px 24px;box-shadow:var(--shadow-xl);position:relative;z-index:1;}
.cw-title{font-size:var(--text-md);font-weight:800;color:var(--ink);margin-bottom:2px;}
.cw-sub{font-size:var(--text-sm);font-weight:500;color:var(--ink4);margin-bottom:16px;}
.cw-tabs{display:flex;gap:5px;margin-bottom:16px;}
.cw-tab{flex:1;padding:8px 4px;border-radius:var(--r-sm);font-size:var(--text-sm);font-weight:700;border:2px solid var(--border-light);background:var(--bg);color:var(--ink3);transition:var(--transition);}
.cw-tab.active{background:var(--primary);color:#fff;border-color:var(--primary);}
.cw-field{margin-bottom:14px;}
.cw-lbl{display:flex;justify-content:space-between;font-size:var(--text-sm);font-weight:700;color:var(--ink3);margin-bottom:6px;}
.cw-lbl b{color:var(--primary);font-size:var(--text-md);font-weight:800;}
.cw-field input[type=range]{width:100%;height:5px;accent-color:var(--primary);cursor:pointer;}
.cw-result{background:var(--primary-bg);border-radius:var(--r-lg);padding:16px;margin-top:8px;border:1.5px solid var(--primary-border);}
.cw-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;}
.cw-row:last-child{margin-bottom:0;}
.cw-rl{font-size:var(--text-sm);font-weight:600;color:var(--ink3);}
.cw-rv{font-size:var(--text-md);font-weight:800;color:var(--primary-dark);}
.cw-rv.big{font-size:22px;color:var(--green);}
.cw-rv.red{color:var(--red);}
.cw-divider{height:1px;background:var(--primary-border);margin:8px 0;}
.cw-btn{width:100%;margin-top:14px;background:var(--primary);color:#fff;padding:12px;border-radius:var(--r-md);font-size:var(--text-base);font-weight:800;border:none;transition:var(--transition);}
.cw-btn:hover{background:var(--primary-dark);}

/* TRUST BAR */
.trust-bar{background:var(--bg-alt);border-bottom:1px solid var(--border-light);padding:14px 1.5rem;}
.trust-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:2rem;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:8px;font-size:var(--text-sm);font-weight:700;color:var(--ink3);}
.trust-item b{font-size:var(--text-xl);font-weight:900;color:var(--primary);}
.trust-sep{color:var(--border);font-size:18px;}

/* SECTIONS */
.section{padding:64px 1.5rem;}
.section-alt{background:var(--bg-alt);}
.section-inner{max-width:1200px;margin:0 auto;}
.eyebrow{font-size:var(--text-xs);font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--primary);margin-bottom:8px;}
.section-title{font-size:clamp(22px,2.8vw,32px);font-weight:900;color:var(--ink);line-height:1.2;letter-spacing:-.02em;}
.section-title em{font-style:normal;color:var(--primary);}
.section-desc{font-size:var(--text-md);font-weight:500;color:var(--ink3);margin-top:10px;max-width:540px;line-height:1.65;}
.section-header{display:flex;align-items:flex-end;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-bottom:36px;}
.see-all{font-size:var(--text-sm);font-weight:700;color:var(--primary);display:inline-flex;align-items:center;gap:4px;transition:gap .15s;white-space:nowrap;}
.see-all:hover{gap:8px;}

/* CONTENT NAV */
.content-nav{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:32px;}
.cnav-pill{display:flex;align-items:center;gap:7px;padding:9px 16px;border-radius:var(--r-md);border:2px solid var(--border-light);background:var(--bg);transition:var(--transition);text-decoration:none;}
.cnav-pill:hover{border-color:var(--primary-pale);background:var(--primary-bg);}
.cnav-pill .ci{font-size:16px;}
.cnav-pill .cn{font-size:var(--text-sm);font-weight:700;color:var(--ink3);}
.cnav-pill:hover .cn{color:var(--primary);}

/* CATEGORY CARDS */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(175px,1fr));gap:14px;}
.cat-card{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-lg);padding:20px 16px;transition:var(--transition);display:block;text-decoration:none;}
.cat-card:hover{border-color:var(--primary-pale);box-shadow:var(--shadow-md);transform:translateY(-2px);}
.cat-icon{width:44px;height:44px;border-radius:var(--r-md);display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:13px;}
.cat-name{font-size:var(--text-base);font-weight:800;color:var(--ink);margin-bottom:4px;}
.cat-count{font-size:var(--text-sm);font-weight:600;color:var(--ink4);}

/* CALCULATOR CARDS */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;}
.calc-card{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-lg);padding:22px;transition:var(--transition);display:block;text-decoration:none;position:relative;overflow:hidden;}
.calc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--primary-light);opacity:0;transition:opacity .2s;}
.calc-card:hover{box-shadow:var(--shadow-md);border-color:var(--primary-pale);transform:translateY(-2px);}
.calc-card:hover::before{opacity:1;}
.calc-badge{display:inline-block;background:var(--primary-bg);color:var(--primary-dark);font-size:var(--text-xs);font-weight:800;padding:3px 10px;border-radius:var(--r-full);margin-bottom:10px;letter-spacing:.05em;text-transform:uppercase;}
.calc-name{font-size:var(--text-md);font-weight:800;color:var(--ink);margin-bottom:7px;}
.calc-desc{font-size:var(--text-sm);font-weight:500;color:#333333;line-height:1.55;margin-bottom:12px;}
.calc-link{font-size:var(--text-sm);font-weight:800;color:var(--primary);}

/* FULL CALCULATOR PAGE */
.calc-page{max-width:1200px;margin:0 auto;padding:40px 1.5rem;}
.calc-page-grid{display:grid;grid-template-columns:1fr 400px;gap:2.5rem;align-items:start;}
.calc-sidebar{position:sticky;top:84px;}
.calc-box{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-xl);padding:32px;box-shadow:var(--shadow-sm);}
.calc-box-title{font-size:var(--text-2xl);font-weight:900;color:var(--ink);margin-bottom:6px;letter-spacing:-.02em;}
.calc-box-desc{font-size:var(--text-base);color:var(--ink3);font-weight:500;margin-bottom:28px;line-height:1.6;}
.calc-field{margin-bottom:22px;}
.calc-label{display:flex;justify-content:space-between;align-items:center;font-size:var(--text-sm);font-weight:700;color:var(--ink3);margin-bottom:8px;}
.calc-label span{font-size:var(--text-md);font-weight:800;color:var(--primary);}
.calc-field input[type=range]{width:100%;height:6px;accent-color:var(--primary);cursor:pointer;margin-bottom:4px;}
.calc-minmax{display:flex;justify-content:space-between;font-size:var(--text-xs);color:var(--ink5);font-weight:500;}
.calc-field input[type=number]{width:100%;padding:10px 14px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:var(--text-base);font-weight:600;color:var(--ink);transition:var(--transition);outline:none;}
.calc-field input[type=number]:focus{border-color:var(--primary);}
.result-box{background:var(--primary-bg);border:2px solid var(--primary-border);border-radius:var(--r-xl);padding:28px;margin-top:24px;}
.result-main{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;}
.result-label{font-size:var(--text-base);font-weight:700;color:var(--ink3);}
.result-value{font-size:28px;font-weight:900;color:var(--green);}
.result-divider{height:1px;background:var(--primary-border);margin:12px 0;}
.result-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;}
.result-row:last-child{margin-bottom:0;}
.result-row-label{font-size:var(--text-sm);font-weight:600;color:var(--ink3);}
.result-row-val{font-size:var(--text-base);font-weight:800;color:var(--primary-dark);}
.insight-box{background:var(--bg);border:1.5px solid var(--border-light);border-left:4px solid var(--primary);border-radius:0 var(--r-md) var(--r-md) 0;padding:16px 20px;margin-top:20px;}
.insight-title{font-size:var(--text-sm);font-weight:800;color:var(--primary);margin-bottom:5px;}
.insight-text{font-size:var(--text-sm);font-weight:500;color:#111111;line-height:1.6;}

/* BREAKDOWN TABLE */
.breakdown-section{margin-top:40px;}
.breakdown-toggle{display:flex;gap:8px;margin-bottom:20px;}
.toggle-btn{padding:8px 20px;border-radius:var(--r-full);font-size:var(--text-sm);font-weight:700;border:2px solid var(--border-light);background:var(--bg);color:var(--ink3);transition:var(--transition);}
.toggle-btn.active{background:var(--primary);color:#fff;border-color:var(--primary);}
.breakdown-title{font-size:var(--text-xl);font-weight:800;color:var(--ink);margin-bottom:16px;}
.table-wrap{overflow-x:auto;border-radius:var(--r-lg);border:1.5px solid var(--border-light);}
table{width:100%;border-collapse:collapse;font-size:var(--text-sm);}
thead tr{background:var(--primary);}
thead th{padding:12px 16px;text-align:left;font-weight:700;color:#fff;white-space:nowrap;}
tbody tr{border-bottom:1px solid var(--border-lighter);}
tbody tr:last-child{border-bottom:none;}
tbody tr:hover{background:var(--bg-alt);}
tbody td{padding:11px 16px;font-weight:600;color:var(--ink2);white-space:nowrap;}
tbody td.positive{color:var(--green);font-weight:700;}
tbody td.total-row{font-weight:800;color:var(--ink);background:var(--primary-bg);}

/* RULES */
.rules-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px;}
.rule-card{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-lg);padding:26px;transition:var(--transition);display:block;text-decoration:none;}
.rule-card:hover{box-shadow:var(--shadow-md);border-color:var(--primary-pale);}
.rule-num{font-size:48px;font-weight:900;color:var(--primary-border);line-height:1;margin-bottom:12px;letter-spacing:-.03em;}
.rule-title{font-size:var(--text-lg);font-weight:800;color:var(--ink);margin-bottom:8px;}
.rule-body{font-size:var(--text-sm);font-weight:500;color:var(--ink3);line-height:1.65;margin-bottom:14px;}
.rule-tag{display:inline-flex;align-items:center;gap:5px;background:var(--primary-bg);color:var(--primary);font-size:var(--text-xs);font-weight:800;padding:5px 12px;border-radius:var(--r-full);text-transform:uppercase;letter-spacing:.04em;}

/* BANNER */
.banner{background:linear-gradient(135deg,var(--primary-dark),var(--primary));border-radius:var(--r-xl);padding:48px 44px;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;position:relative;overflow:hidden;}
.banner-icon{position:absolute;right:44px;top:50%;transform:translateY(-50%);font-size:120px;opacity:.1;pointer-events:none;}
.banner h2{font-size:var(--text-3xl);font-weight:900;color:#fff;margin-bottom:8px;letter-spacing:-.02em;}
.banner p{font-size:var(--text-base);font-weight:500;color:rgba(255,255,255,.78);max-width:460px;line-height:1.65;}
.btn-banner{background:#fff;color:var(--primary-dark);padding:14px 28px;border-radius:var(--r-md);font-size:var(--text-base);font-weight:800;flex-shrink:0;transition:var(--transition);display:inline-block;border:none;}
.btn-banner:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,0,0,.18);}

/* BLOG */
.blog-cats{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px;}
.bcat{padding:7px 16px;border-radius:var(--r-full);font-size:var(--text-sm);font-weight:700;border:2px solid var(--border-light);color:var(--ink3);transition:var(--transition);background:var(--bg);}
.bcat:hover,.bcat.active{background:var(--primary);color:#fff;border-color:var(--primary);}
.blog-grid{display:grid;grid-template-columns:2fr 1fr;gap:16px;}
.blog-featured{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-xl);overflow:hidden;display:block;transition:var(--transition);text-decoration:none;}
.blog-featured:hover{box-shadow:var(--shadow-md);border-color:var(--primary-pale);}
.blog-feat-img{height:200px;display:flex;align-items:center;justify-content:center;font-size:56px;background:linear-gradient(135deg,var(--primary-dark),var(--primary));}
.blog-feat-body{padding:24px;}
.blog-cat-pill{display:inline-block;background:var(--primary-bg);color:var(--primary-dark);font-size:var(--text-xs);font-weight:800;padding:4px 12px;border-radius:var(--r-full);margin-bottom:10px;text-transform:uppercase;letter-spacing:.05em;}
.blog-title{font-size:var(--text-xl);font-weight:800;color:var(--ink);line-height:1.3;margin-bottom:10px;}
.blog-excerpt{font-size:var(--text-sm);font-weight:500;color:var(--ink3);line-height:1.65;margin-bottom:14px;}
.blog-meta{font-size:var(--text-xs);font-weight:600;color:var(--ink4);display:flex;align-items:center;gap:8px;}
.blog-meta-dot{width:3px;height:3px;background:var(--border);border-radius:50%;}
.blog-list{display:flex;flex-direction:column;gap:10px;}
.blog-item{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-lg);padding:15px;display:flex;gap:12px;transition:var(--transition);text-decoration:none;}
.blog-item:hover{box-shadow:var(--shadow-sm);border-color:var(--primary-pale);}
.blog-item-icon{width:44px;height:44px;border-radius:var(--r-md);flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:20px;}
.blog-item-cat{font-size:var(--text-xs);font-weight:800;color:var(--primary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:3px;}
.blog-item-title{font-size:var(--text-sm);font-weight:700;color:var(--ink);line-height:1.4;margin-bottom:4px;}
.blog-item-date{font-size:var(--text-xs);font-weight:600;color:var(--ink4);}

/* WHY */
.why-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(215px,1fr));gap:14px;}
.why-card{background:var(--bg);border:1.5px solid var(--border-light);border-radius:var(--r-lg);padding:22px;}
.why-icon{width:44px;height:44px;border-radius:var(--r-md);background:var(--primary-bg);display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:14px;}
.why-title{font-size:var(--text-base);font-weight:800;color:var(--ink);margin-bottom:6px;}
.why-desc{font-size:var(--text-sm);font-weight:500;color:var(--ink3);line-height:1.6;}

/* NEWSLETTER */
.newsletter{background:var(--primary-bg);border:2px solid var(--primary-border);border-radius:var(--r-xl);padding:48px 40px;text-align:center;}
.newsletter h2{font-size:var(--text-3xl);font-weight:900;color:var(--primary-dark);margin-bottom:8px;letter-spacing:-.02em;}
.newsletter p{font-size:var(--text-base);font-weight:500;color:var(--ink3);margin-bottom:24px;}
.nl-form{display:flex;max-width:440px;margin:0 auto;border-radius:var(--r-md);overflow:hidden;box-shadow:var(--shadow-sm);}
.nl-form input{flex:1;padding:13px 16px;border:1.5px solid var(--border);border-right:none;font-size:var(--text-base);font-weight:500;color:var(--ink);outline:none;border-radius:var(--r-md) 0 0 var(--r-md);}
.nl-form input:focus{border-color:var(--primary-light);}
.nl-form button{padding:13px 20px;background:var(--primary);color:#fff;border:none;font-size:var(--text-base);font-weight:800;border-radius:0 var(--r-md) var(--r-md) 0;transition:var(--transition);white-space:nowrap;}
.nl-form button:hover{background:var(--primary-dark);}
.nl-note{font-size:var(--text-xs);font-weight:500;color:var(--ink4);margin-top:12px;}

/* AD SLOTS */
.ad-slot{background:var(--bg-alt);border:1px dashed var(--border);border-radius:var(--r-md);display:flex;align-items:center;justify-content:center;color:var(--ink5);font-size:var(--text-xs);font-weight:600;text-transform:uppercase;letter-spacing:.06em;}
.ad-leaderboard{height:90px;margin:24px 0;}
.ad-rectangle{height:250px;margin:24px 0;}
.ad-inline{height:120px;margin:32px 0;}

/* BREADCRUMB */
.breadcrumb{background:var(--bg-alt);border-bottom:1px solid var(--border-light);padding:12px 1.5rem;}
.breadcrumb-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:8px;font-size:var(--text-sm);font-weight:600;}
.breadcrumb a{color:var(--primary);}
.breadcrumb-sep{color:var(--border);}

/* FOOTER */
footer{background:var(--primary-dark);color:rgba(255,255,255,.68);padding:56px 1.5rem 28px;}
.footer-inner{max-width:1200px;margin:0 auto;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:44px;}
.footer-logo{display:flex;align-items:center;gap:9px;margin-bottom:14px;}
.footer-logo-mark{width:32px;height:32px;background:var(--primary);border-radius:6px;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:16px;}
.footer-logo-name{font-size:var(--text-xl);font-weight:900;color:#fff;letter-spacing:-.02em;}
.footer-logo-name span{color:var(--primary-pale);}
.footer-tagline{font-size:var(--text-sm);font-weight:500;line-height:1.65;max-width:240px;}
.footer-col h4{font-size:var(--text-xs);font-weight:800;color:#fff;letter-spacing:.08em;text-transform:uppercase;margin-bottom:16px;}
.footer-col ul{display:flex;flex-direction:column;gap:10px;}
.footer-col a{font-size:var(--text-sm);font-weight:500;color:rgba(255,255,255,.62);transition:color .15s;}
.footer-col a:hover{color:#fff;}
.footer-col a.hl{color:var(--primary-pale);font-weight:700;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;align-items:flex-start;justify-content:space-between;flex-wrap:wrap;gap:1rem;}
.footer-disc{font-size:var(--text-xs);font-weight:500;color:rgba(255,255,255,.38);max-width:600px;line-height:1.6;}
.footer-copy{font-size:var(--text-xs);font-weight:600;color:rgba(255,255,255,.38);white-space:nowrap;}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 22px;border-radius:var(--r-sm);font-size:var(--text-sm);font-weight:700;transition:var(--transition);border:none;}
.btn-primary{background:var(--primary);color:#fff;}
.btn-primary:hover{background:var(--primary-dark);}
.btn-outline{background:transparent;color:var(--primary);border:2px solid var(--primary-border);}
.btn-outline:hover{background:var(--primary-bg);}
.btn-lg{padding:13px 28px;font-size:var(--text-base);}

/* ANIMATIONS */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.fade-up{animation:fadeUp .55s ease both;}
.d1{animation-delay:.1s}.d2{animation-delay:.2s}.d3{animation-delay:.3s}.d4{animation-delay:.4s}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr;}
  .calc-widget{max-width:420px;}
  .calc-page-grid{grid-template-columns:1fr;}
  .calc-sidebar{position:static;}
  .blog-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:768px){
  .nav-links{display:none;}
  .nav-toggle{display:block;}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:64px;left:0;right:0;background:var(--bg);padding:12px;border-bottom:2px solid var(--primary);box-shadow:var(--shadow-lg);z-index:999;gap:4px;}
  .dropdown{position:static;box-shadow:none;border:none;padding:4px 0 4px 16px;}
  .hero h1{font-size:30px;}
  .hero::after{display:none;}
  .banner{padding:28px 24px;}
  .banner-icon{display:none;}
  .newsletter{padding:32px 20px;}
  .footer-grid{grid-template-columns:1fr;}
  .section{padding:48px 1.5rem;}
}
@media(max-width:480px){
  .cat-grid{grid-template-columns:repeat(2,1fr);}
  .calc-grid{grid-template-columns:1fr;}
  .rules-grid{grid-template-columns:1fr;}
  .why-grid{grid-template-columns:1fr;}
}

/* ── CALCULATOR PAGE LAYOUT ──────────────────────────────── */
.calc-pg-wrap { max-width: 1200px; margin: 0 auto; padding: 36px 1.5rem 60px; }
.calc-pg-grid { display: grid; grid-template-columns: 1fr 320px; gap: 2rem; align-items: start; }
.calc-sidebar-col { position: sticky; top: 80px; }
.calc-box { background: #fff; border: 1px solid #F1F5F9; border-radius: 20px; padding: 32px; box-shadow: 0 1px 3px rgba(0,0,0,.06); }
.cbt { font-size: 26px; font-weight: 700; color: #0F172A; margin-bottom: 8px; letter-spacing: -.02em; }
.cbd { font-size: 15px; color: #444444; line-height: 1.65; margin-bottom: 28px; }
.calc-field { margin-bottom: 22px; }
.calc-lbl { display: flex; justify-content: space-between; font-size: 13px; font-weight: 600; color: #374151; margin-bottom: 8px; }
.calc-lbl span { font-size: 15px; font-weight: 700; color: #1558B0; }
.calc-field input[type=range] { width: 100%; height: 5px; accent-color: #1558B0; cursor: pointer; }
.calc-mm { display: flex; justify-content: space-between; font-size: 11px; color: #9CA3AF; margin-top: 3px; }
.calc-res { background: #EBF4FF; border: 1px solid #BFDBFE; border-radius: 16px; padding: 20px; margin-top: 20px; }
.cr-row { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid rgba(191,219,254,.5); }
.cr-row:last-child { border-bottom: none; }
.cr-l { font-size: 13px; font-weight: 500; color: #374151; }
.cr-v { font-size: 15px; font-weight: 700; color: #0E3D8A; }
.cr-v.positive { color: #15803D; }
.cr-v.big-green { font-size: 22px; color: #15803D; }
.cr-v.red { color: #DC2626; }
.insight-box { background: #fff; border-left: 4px solid #1558B0; border-radius: 0 10px 10px 0; padding: 14px 18px; margin-top: 18px; border-top: 1px solid #F1F5F9; border-right: 1px solid #F1F5F9; border-bottom: 1px solid #F1F5F9; }
.ib-text { font-size: 14px; color: #111111; font-weight: 500; line-height: 1.7; }
.ib-title { font-size: 12px; font-weight: 700; color: #1558B0; margin-bottom: 5px; }
.ib-text { font-size: 13px; color: #374151; line-height: 1.6; }
.table-wrap { overflow-x: auto; border-radius: 12px; border: 1px solid #F1F5F9; }
table { width: 100%; border-collapse: collapse; font-size: 13px; }
thead tr { background: #1558B0; }
thead th { padding: 11px 14px; text-align: left; font-weight: 600; color: #fff; white-space: nowrap; }
tbody tr { border-bottom: 1px solid #F9FAFB; }
tbody tr:hover { background: #F9FAFB; }
tbody td { padding: 10px 14px; font-weight: 500; color: #1E293B; white-space: nowrap; }
tbody td.positive { color: #15803D; font-weight: 600; }
tbody td.total-row { font-weight: 700; background: #EBF4FF; }
.sb-box { background: #fff; border: 1px solid #F1F5F9; border-radius: 16px; padding: 20px; }
.sb-title { font-size: 13px; font-weight: 700; color: #0F172A; margin-bottom: 14px; text-transform: uppercase; letter-spacing: .06em; }
.rel-calc { display: block; font-size: 13px; font-weight: 600; color: #1558B0; padding: 8px 0; border-bottom: 1px solid #F9FAFB; transition: color .15s; }
.rel-calc:hover { color: #0E3D8A; }
.faq-item { border-bottom: 1px solid #F1F5F9; }
.faq-q { width: 100%; text-align: left; padding: 16px 0; font-size: 15px; font-weight: 700; color: #111111; background: none; border: none; cursor: pointer; font-family: inherit; display: flex; justify-content: space-between; align-items: center; }
.fq-arrow { font-size: 12px; color: #444444; transition: transform .2s; }
.faq-q:has(+ .open) .fq-arrow { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; font-size: 14px; color: #111111; font-weight: 500; line-height: 1.75; transition: max-height .3s ease; }
.faq-a.open { max-height: 300px; padding-bottom: 16px; }
.breadcrumb { background: #F9FAFB; border-bottom: 1px solid #F1F5F9; padding: 10px 1.5rem; }
.bc-in { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 500; flex-wrap: wrap; }
.bc-in a { color: #1558B0; }
.bsep { color: #D1D5DB; }

/* ── RULES PAGE ──────────────────────────────────────────── */
.rules-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; }
.rule-card { background: #fff; border: 1px solid #F1F5F9; border-radius: 16px; padding: 26px; display: block; transition: all .2s; box-shadow: 0 1px 3px rgba(0,0,0,.05); }
.rule-card:hover { box-shadow: 0 4px 12px rgba(0,0,0,.08); border-color: #BFDBFE; }
.rule-num { font-size: 40px; font-weight: 700; color: #BFDBFE; line-height: 1; margin-bottom: 12px; }
.rule-title { font-size: 17px; font-weight: 700; color: #0F172A; margin-bottom: 8px; }
.rule-body { font-size: 14px; color: #374151; line-height: 1.65; margin-bottom: 14px; }
.rule-tag { display: inline-block; background: #EBF4FF; color: #1558B0; font-size: 11px; font-weight: 600; padding: 4px 12px; border-radius: 20px; text-transform: uppercase; letter-spacing: .04em; }

/* ── CALC GRID ───────────────────────────────────────────── */
.calc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 14px; }
.calc-card { background: #fff; border: 1px solid #F1F5F9; border-radius: 14px; padding: 22px; display: block; transition: all .2s; box-shadow: 0 1px 3px rgba(0,0,0,.05); }
.calc-card:hover { box-shadow: 0 4px 12px rgba(0,0,0,.08); border-color: #BFDBFE; transform: translateY(-2px); }
.calc-name { font-size: 15px; font-weight: 700; color: #0F172A; margin-bottom: 7px; }
.calc-desc { font-size: 13px; color: #333333; line-height: 1.55; margin-bottom: 12px; }
.calc-link { font-size: 13px; font-weight: 700; color: #1558B0; }

/* ── FOOTER ──────────────────────────────────────────────── */
footer { background: #0F172A; color: rgba(255,255,255,.6); padding: 52px 1.5rem 28px; }
.fi { max-width: 1200px; margin: 0 auto; }
.fg { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem; margin-bottom: 40px; }
.fl { display: flex; align-items: center; gap: 8px; margin-bottom: 12px; }
.flm { width: 30px; height: 30px; background: #1558B0; border-radius: 5px; display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: 15px; }
.fln { font-size: 17px; font-weight: 700; color: #fff; }
.fln span { color: #93C5FD; }
.ftag { font-size: 13px; line-height: 1.65; max-width: 230px; }
.fc h4 { font-size: 11px; font-weight: 600; color: #fff; letter-spacing: .07em; text-transform: uppercase; margin-bottom: 14px; }
.fc ul { display: flex; flex-direction: column; gap: 9px; }
.fc a { font-size: 13px; color: rgba(255,255,255,.55); transition: color .15s; }
.fc a:hover { color: #fff; }
.fc a.hl { color: #93C5FD; font-weight: 600; }
.fbot { border-top: 1px solid rgba(255,255,255,.08); padding-top: 20px; display: flex; align-items: flex-start; justify-content: space-between; flex-wrap: wrap; gap: 1rem; }
.fdisc { font-size: 11px; color: rgba(255,255,255,.32); max-width: 580px; line-height: 1.6; }
.fcopy { font-size: 12px; color: rgba(255,255,255,.32); white-space: nowrap; }

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:1024px) { .calc-pg-grid { grid-template-columns: 1fr; } .calc-sidebar-col { position: static; } .fg { grid-template-columns: 1fr 1fr; } }
@media(max-width:768px) { .calc-grid { grid-template-columns: 1fr; } .rules-grid { grid-template-columns: 1fr; } .fg { grid-template-columns: 1fr; } }

/* ── LOADING & ERROR STATES ──────────────────────────────── */
.loading-state{text-align:center;padding:48px 20px;color:#666666;}
.loading-state .spinner{width:36px;height:36px;border:3px solid #EFEFEF;border-top-color:#1558B0;border-radius:50%;animation:spin .8s linear infinite;margin:0 auto 16px;}
@keyframes spin{to{transform:rotate(360deg)}}
.error-state{text-align:center;padding:40px 20px;}
.error-state .err-icon{font-size:36px;margin-bottom:12px;}
.error-state p{color:#DC2626;font-weight:600;margin-bottom:8px;}
.error-state small{color:#666;font-size:13px;display:block;margin-bottom:16px;}

/* ── RATE BADGE ─────────────────────────────────── */
.rate-badge{display:inline-block;background:#EBF4FF;color:#0C447C;font-size:11px;font-weight:700;padding:2px 8px;border-radius:20px;margin-left:6px;vertical-align:middle;}

.nav.scrolled{box-shadow:0 4px 20px rgba(21,88,176,.15);}

/* ── CATEGORY FILTER BUTTONS (global) ──────────────── */
.btag{padding:7px 16px;font-size:13px;font-weight:700;border-radius:20px;border:1.5px solid #222222;background:#fff;color:#111111;cursor:pointer;transition:all .15s;font-family:inherit;}
.btag:hover{border-color:#1558B0;color:#1558B0;background:#EBF4FF;}
.btag.active{background:#1558B0;color:#fff;border-color:#1558B0;}