/* ============================================================
   INTEREST NINJA — styles.css — Light Theme
   ============================================================ */

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

:root {
  --navy:       #0A1628;
  --royal:      #1A3A6B;
  --cyan:       #00C2E0;
  --cyan-dark:  #009ab3;
  --white:      #FFFFFF;
  --offwhite:   #F4F7FB;
  --offwhite2:  #EEF2F8;
  --slate:      #6B7A99;
  --slate-light:#8A9BBD;
  --border:     rgba(10,22,40,0.10);
  --border-mid: rgba(10,22,40,0.14);
  --shadow:     0 4px 24px rgba(10,22,40,0.10);
  --shadow-lg:  0 12px 48px rgba(10,22,40,0.14);
  --radius:     16px;
  --radius-sm:  10px;
  --radius-pill:50px;
  --font-head:  'Montserrat', sans-serif;
  --font-body:  'Inter', sans-serif;
  --font-mono:  'JetBrains Mono', monospace;
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; scroll-padding-top: 88px; }
body { font-family: var(--font-body); color: var(--navy); background: var(--white); line-height: 1.6; overflow-x: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: var(--font-body); border: none; background: none; }
input, select { font-family: var(--font-body); }
ul { list-style: none; }

h1,h2,h3,h4 { font-family: var(--font-head); line-height: 1.15; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }
p  { font-size: 1rem; color: var(--slate); line-height: 1.75; }
.mono { font-family: var(--font-mono); }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section--sm { padding: 64px 0; }
.section--offwhite { background: var(--white); }
.section-label { display: inline-block; font-family: var(--font-mono); font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--cyan-dark); margin-bottom: 12px; }
.section-title { margin-bottom: 16px; color: var(--navy); }
.section-sub { max-width: 560px; }
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 32px; border-radius: var(--radius-pill); font-family: var(--font-head); font-size: 0.9rem; font-weight: 700; letter-spacing: 0.02em; transition: var(--transition); text-decoration: none; }
.btn-primary { background: var(--royal); color: var(--white); border: 2px solid var(--royal); }
.btn-primary:hover { background: var(--navy); border-color: var(--navy); transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-ghost { background: transparent; color: var(--royal); border: 2px solid var(--royal); }
.btn-ghost:hover { background: var(--royal); color: var(--white); transform: translateY(-2px); }
.btn-sm { padding: 10px 22px; font-size: 0.82rem; }

/* Navbar */
.navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; padding: 16px 0; background: rgba(255,255,255,0.95); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); transition: var(--transition); }
.navbar.scrolled { box-shadow: var(--shadow); }
.navbar__inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.navbar__logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.navbar__logo img { height: 36px; width: auto; display: block; }
.navbar__logo-text { font-family: var(--font-head); font-weight: 800; font-size: 1.2rem; color: var(--navy); letter-spacing: -0.02em; }
.navbar__links { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.navbar__links a { color: var(--slate); font-weight: 500; font-size: 0.9rem; padding: 8px 14px; border-radius: var(--radius-sm); transition: var(--transition); }
.navbar__links a:hover, .navbar__links a.active { color: var(--navy); background: var(--offwhite); }
.navbar__links a.active { color: var(--royal); font-weight: 600; }
.navbar__burger { display: none; flex-direction: column; gap: 5px; padding: 8px; cursor: pointer; }
.navbar__burger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: var(--transition); }
.navbar__burger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar__burger.active span:nth-child(2) { opacity: 0; }
.navbar__burger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.navbar__mobile { display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: var(--white); z-index: 999; flex-direction: column; align-items: center; justify-content: center; gap: 24px; }
.navbar__mobile.open { display: flex; }
.navbar__mobile a { color: var(--navy); font-family: var(--font-head); font-size: 1.6rem; font-weight: 700; transition: var(--transition); }
.navbar__mobile a:hover { color: var(--royal); }
.navbar__mobile-close { position: absolute; top: 20px; right: 24px; background: none; border: none; color: var(--navy); font-size: 2rem; cursor: pointer; }

/* Hero */
.hero { min-height: 100vh; background: var(--white); display: flex; align-items: center; position: relative; overflow: hidden; padding-top: 100px; }
.hero::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(ellipse 55% 55% at 75% 50%, rgba(0,194,224,0.06) 0%, transparent 70%), radial-gradient(ellipse 40% 40% at 15% 70%, rgba(26,58,107,0.04) 0%, transparent 60%); animation: meshFloat 8s ease-in-out infinite alternate; }
@keyframes meshFloat { from { transform: scale(1) translateY(0); } to { transform: scale(1.04) translateY(-10px); } }
.hero--page { min-height: 38vh; padding: 140px 0 80px; }
.hero__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.hero__label { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-mono); font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--cyan-dark); margin-bottom: 20px; }
.hero__label::before { content: ''; display: block; width: 28px; height: 2px; background: var(--cyan); }
.hero__title { color: var(--navy); margin-bottom: 20px; }
.hero__title span { color: var(--royal); }
.hero__sub { color: var(--slate); font-size: 1.1rem; margin-bottom: 36px; max-width: 480px; }
.hero__btns { display: flex; flex-wrap: wrap; gap: 14px; position: relative; z-index: 1; }

/* Dashboard card */
.hero__visual { position: relative; display: flex; justify-content: center; z-index: 1; }
.dashboard-card { background: var(--white); border: 1px solid var(--border-mid); border-radius: 24px; padding: 32px; width: 100%; max-width: 380px; box-shadow: var(--shadow-lg); animation: float 5s ease-in-out infinite; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.dashboard-card__header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.dashboard-card__title { font-family: var(--font-head); font-size: 0.8rem; font-weight: 700; color: var(--slate); text-transform: uppercase; letter-spacing: 0.08em; }
.dashboard-card__badge { background: rgba(0,194,224,0.1); color: var(--cyan-dark); font-family: var(--font-mono); font-size: 0.7rem; padding: 4px 10px; border-radius: 20px; }
.dashboard-stat { margin-bottom: 20px; }
.dashboard-stat__label { font-size: 0.78rem; color: var(--slate); margin-bottom: 4px; font-weight: 500; }
.dashboard-stat__value { font-family: var(--font-mono); font-size: 1.6rem; font-weight: 500; color: var(--navy); }
.dashboard-stat__value--cyan { color: var(--cyan-dark); }
.dashboard-bar { height: 8px; background: var(--offwhite2); border-radius: 4px; margin-top: 20px; overflow: hidden; }
.dashboard-bar__fill { height: 100%; width: 0%; background: linear-gradient(90deg, var(--royal), var(--cyan)); border-radius: 4px; animation: barGrow 1.8s ease-out forwards; }
@keyframes barGrow { from { width: 0; } to { width: 62%; } }
.dashboard-pill-row { display: flex; gap: 8px; margin-top: 20px; }
.dashboard-pill { background: var(--offwhite); border: 1px solid var(--border); border-radius: 20px; padding: 6px 14px; font-size: 0.75rem; color: var(--slate); font-family: var(--font-mono); }

/* Feature strip */
.features { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.feature-card { padding: 32px 24px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--border); transition: var(--transition); }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature-icon { width: 52px; height: 52px; border-radius: 14px; background: rgba(0,194,224,0.1); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; color: var(--cyan-dark); font-size: 1.4rem; }
.feature-card h4 { margin-bottom: 8px; color: var(--navy); }

/* Hub cards */
.hub-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 52px; }
.hub-card { background: var(--white); border: 1px solid var(--border-mid); border-radius: var(--radius); padding: 40px 32px; transition: var(--transition); position: relative; overflow: hidden; }
.hub-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--royal), var(--cyan)); opacity: 0; transition: var(--transition); }
.hub-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.hub-card:hover::before { opacity: 1; }
.hub-icon { width: 60px; height: 60px; border-radius: 16px; background: rgba(0,194,224,0.1); display: flex; align-items: center; justify-content: center; margin-bottom: 24px; color: var(--cyan-dark); }
.hub-card h3 { color: var(--navy); margin-bottom: 12px; }
.hub-card p  { color: var(--slate); font-size: 0.92rem; margin-bottom: 28px; }

/* Stats */
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.stat-card { text-align: center; padding: 40px 24px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); }
.stat-number { font-family: var(--font-head); font-size: clamp(2.4rem, 4vw, 3.6rem); font-weight: 900; color: var(--royal); line-height: 1; margin-bottom: 8px; }
.stat-label { font-size: 0.95rem; color: var(--slate); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; position: relative; }
.steps::before { content: ''; position: absolute; top: 36px; left: calc(16.66% + 20px); right: calc(16.66% + 20px); height: 2px; background: linear-gradient(90deg, var(--cyan), var(--royal), var(--cyan)); }
.step { text-align: center; padding: 0 24px; }
.step__num { width: 72px; height: 72px; border-radius: 50%; background: var(--royal); border: 3px solid var(--cyan); color: var(--white); font-family: var(--font-head); font-size: 1.4rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 24px; position: relative; z-index: 1; box-shadow: 0 0 0 8px var(--white); }
.step h3 { margin-bottom: 10px; color: var(--navy); }

/* Calc section & cards */
.calc-section { background: var(--white); padding: 80px 0; }
.calc-card { background: var(--white); border: 1px solid var(--border); border-radius: 24px; padding: 48px; box-shadow: var(--shadow); margin-bottom: 40px; }
.calc-card__header { margin-bottom: 36px; }
.calc-card__title { color: var(--navy); margin-bottom: 8px; font-size: 1.5rem; }
.calc-card__sub { color: var(--slate); font-size: 0.9rem; }

/* Input grid */
.input-grid   { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 36px; }
.input-grid--2 { grid-template-columns: repeat(2, 1fr); }
.input-grid--3 { grid-template-columns: repeat(3, 1fr); }
.input-grid--4 { grid-template-columns: repeat(4, 1fr); }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--slate); text-transform: uppercase; letter-spacing: 0.06em; }
.form-group input, .form-group select { background: var(--offwhite); border: 1.5px solid var(--border-mid); border-radius: 10px; padding: 12px 16px; color: var(--navy); font-size: 1rem; transition: var(--transition); outline: none; }
.form-group input::placeholder { color: var(--slate-light); }
.form-group input:focus, .form-group select:focus { border-color: var(--cyan); background: var(--white); box-shadow: 0 0 0 3px rgba(0,194,224,0.12); }
.form-group input.error { border-color: #dc3545; }
.form-error { font-size: 0.78rem; color: #dc3545; display: none; }
.form-error.visible { display: block; }
.form-group select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7A99' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; cursor: pointer; }
.form-group select option { background: var(--white); color: var(--navy); }

/* Outputs */
.output-grid   { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 32px; }
.output-grid--2 { grid-template-columns: repeat(2, 1fr); }
.output-grid--3 { grid-template-columns: repeat(3, 1fr); }
.output-box { background: var(--offwhite); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 20px; text-align: center; }
.output-box__label { font-size: 0.75rem; color: var(--slate); text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600; margin-bottom: 8px; }
.output-box__value { font-family: var(--font-mono); font-size: 1.5rem; color: var(--navy); font-weight: 500; }
.output-box__value--cyan { color: var(--cyan-dark); }
.output-box__value--highlight { font-size: 2rem; color: var(--royal); }

/* Proportion bar */
.proportion-bar { height: 12px; border-radius: 6px; background: var(--offwhite2); overflow: hidden; margin: 12px 0; display: flex; }
.proportion-bar__principal { background: var(--royal); height: 100%; transition: width 0.5s ease; }
.proportion-bar__interest  { background: var(--cyan); height: 100%; flex: 1; }
.proportion-labels { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--slate); font-family: var(--font-mono); }

/* Amort table */
.amort-toggle { background: var(--offwhite); border: 1px solid var(--border-mid); color: var(--royal); padding: 10px 20px; border-radius: var(--radius-pill); font-size: 0.85rem; font-weight: 600; cursor: pointer; transition: var(--transition); margin-top: 16px; }
.amort-toggle:hover { background: var(--offwhite2); }
.amort-table-wrap { display: none; margin-top: 24px; overflow-x: auto; }
.amort-table-wrap.open { display: block; }
.amort-table { width: 100%; border-collapse: collapse; font-family: var(--font-mono); font-size: 0.82rem; color: var(--slate); }
.amort-table th { padding: 10px 14px; text-align: right; border-bottom: 2px solid var(--border-mid); color: var(--slate); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; white-space: nowrap; }
.amort-table th:first-child { text-align: left; }
.amort-table td { padding: 10px 14px; text-align: right; border-bottom: 1px solid var(--border); }
.amort-table td:first-child { text-align: left; color: var(--navy); }
.amort-table tr:hover td { background: var(--offwhite); }

/* Before/After */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 24px; }
.compare-card { border-radius: var(--radius-sm); padding: 24px; border: 1px solid var(--border); }
.compare-card--before { background: rgba(220,53,69,0.04); border-color: rgba(220,53,69,0.2); }
.compare-card--after  { background: rgba(0,194,224,0.04); border-color: rgba(0,194,224,0.2); }
.compare-card__label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 700; margin-bottom: 12px; }
.compare-card--before .compare-card__label { color: #dc3545; }
.compare-card--after  .compare-card__label { color: var(--cyan-dark); }
.compare-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.compare-row:last-child { border: none; }
.compare-row__key { color: var(--slate); }
.compare-row__val { font-family: var(--font-mono); color: var(--navy); }

/* Callouts */
.callout { border-radius: var(--radius-sm); padding: 20px 24px; margin: 24px 0; border-left: 4px solid; display: flex; gap: 14px; align-items: flex-start; }
.callout--warn { background: rgba(220,53,69,0.06); border-color: #dc3545; }
.callout--tip  { background: rgba(0,194,224,0.06); border-color: var(--cyan); }
.callout--info { background: rgba(26,58,107,0.06); border-color: var(--royal); }
.callout__icon { font-size: 1.2rem; flex-shrink: 0; margin-top: 2px; }
.callout--warn .callout__icon { color: #dc3545; }
.callout--tip  .callout__icon { color: var(--cyan-dark); }
.callout--info .callout__icon { color: var(--royal); }
.callout__title { font-family: var(--font-head); font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.callout__text  { font-size: 0.88rem; color: var(--slate); line-height: 1.6; }

/* Accordion */
.guide-section { padding: 80px 0; background: var(--white); }
.accordion { margin-top: 40px; }
.accordion-item { background: var(--white); border-radius: var(--radius-sm); margin-bottom: 10px; overflow: hidden; border: 1px solid var(--border); }
.accordion-trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 22px 28px; background: none; border: none; cursor: pointer; text-align: left; transition: var(--transition); }
.accordion-trigger:hover { background: var(--offwhite); }
.accordion-trigger h4 { font-size: 1.05rem; color: var(--navy); }
.accordion-arrow { width: 32px; height: 32px; border-radius: 50%; background: var(--offwhite2); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: var(--transition); color: var(--royal); font-size: 1.2rem; }
.accordion-item.open .accordion-arrow { transform: rotate(180deg); background: var(--royal); color: var(--white); }
.accordion-body { display: none; padding: 0 28px 28px; }
.accordion-item.open .accordion-body { display: block; }
.guide-list { list-style: none; padding: 0; margin: 12px 0 0; }
.guide-list li { padding: 8px 0 8px 20px; position: relative; font-size: 0.95rem; color: var(--slate); border-bottom: 1px solid var(--border); }
.guide-list li:last-child { border: none; }
.guide-list li::before { content: '→'; position: absolute; left: 0; color: var(--cyan-dark); font-weight: 700; }

/* Tabs */
.tabs { display: flex; gap: 6px; background: var(--offwhite2); border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 5px; width: fit-content; margin: 0 auto 56px; }
.tab-btn { padding: 10px 26px; border-radius: var(--radius-pill); font-family: var(--font-head); font-size: 0.9rem; font-weight: 700; color: var(--slate); background: none; border: none; cursor: pointer; transition: var(--transition); white-space: nowrap; }
.tab-btn.active { background: var(--white); color: var(--royal); box-shadow: var(--shadow); }
.tab-btn:hover:not(.active) { color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* Planner */
.card-planner { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.planner-row { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr auto; gap: 10px; align-items: end; }
.planner-row input { background: var(--offwhite); border: 1.5px solid var(--border-mid); border-radius: 8px; padding: 10px 12px; color: var(--navy); font-size: 0.9rem; outline: none; transition: var(--transition); }
.planner-row input:focus { border-color: var(--cyan); background: var(--white); }
.planner-row input::placeholder { color: var(--slate-light); }
.remove-card-btn { background: rgba(220,53,69,0.08); border: 1px solid rgba(220,53,69,0.2); color: #dc3545; width: 36px; height: 36px; border-radius: 8px; display: flex; align-items: center; justify-content: center; cursor: pointer; font-size: 1.2rem; transition: var(--transition); flex-shrink: 0; }
.remove-card-btn:hover { background: rgba(220,53,69,0.16); }
.add-card-btn { background: var(--offwhite); border: 1.5px dashed var(--border-mid); color: var(--royal); padding: 12px; border-radius: 10px; font-size: 0.88rem; font-weight: 600; width: 100%; text-align: center; cursor: pointer; transition: var(--transition); }
.add-card-btn:hover { background: var(--offwhite2); }

/* Strategy */
.strategy-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 24px; }
.strategy-card { border-radius: var(--radius-sm); padding: 28px; border: 1px solid var(--border); background: var(--offwhite); }
.strategy-card__label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 700; margin-bottom: 16px; }
.strategy-avalanche .strategy-card__label { color: #dc3545; }
.strategy-snowball  .strategy-card__label { color: var(--cyan-dark); }
.strategy-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.strategy-row:last-child { border: none; }
.strategy-row span:first-child { color: var(--slate); }
.strategy-row span:last-child  { font-family: var(--font-mono); color: var(--navy); }
.strategy-winner { margin-top: 12px; padding: 12px 16px; border-radius: 8px; font-size: 0.85rem; font-weight: 700; text-align: center; border: 1px solid var(--border); background: var(--offwhite); color: var(--navy); }

/* DTI */
.dti-gauge { margin-top: 20px; }
.dti-bar { height: 14px; border-radius: 7px; background: var(--offwhite2); overflow: hidden; margin: 10px 0; }
.dti-bar__fill { height: 100%; border-radius: 7px; transition: width 0.5s ease, background 0.3s ease; }
.dti-label { font-size: 0.78rem; color: var(--slate); display: flex; justify-content: space-between; }

/* Disclaimer */
.disclaimer { background: var(--offwhite); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px 24px; font-size: 0.82rem; color: var(--slate); line-height: 1.6; margin: 32px 0; }

/* Footer */
.footer { background: var(--navy); border-top: 1px solid rgba(255,255,255,0.06); padding: 72px 0 40px; }
.footer__inner { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }
.footer__logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer__logo img { height: 36px; width: auto; display: block; }
.footer__logo-text { font-family: var(--font-head); font-weight: 800; font-size: 1.1rem; color: var(--white); }
.footer__tagline { color: rgba(255,255,255,0.5); font-size: 0.9rem; margin-bottom: 0; }
.footer__col-title { font-family: var(--font-head); font-size: 0.8rem; font-weight: 700; color: var(--white); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px; }
.footer__links { display: flex; flex-direction: column; gap: 10px; }
.footer__links a { color: rgba(255,255,255,0.5); font-size: 0.9rem; transition: var(--transition); }
.footer__links a:hover { color: var(--cyan); }
.footer__bottom { border-top: 1px solid rgba(255,255,255,0.06); padding-top: 28px; display: flex; align-items: flex-start; gap: 24px; flex-wrap: wrap; }
.footer__disclaimer { font-size: 0.8rem; color: rgba(255,255,255,0.35); line-height: 1.7; flex: 1; }
.footer__copy { font-size: 0.8rem; color: rgba(255,255,255,0.35); white-space: nowrap; }

/* 404 */
.not-found { min-height: 100vh; background: var(--offwhite); display: flex; align-items: center; justify-content: center; text-align: center; }
.not-found__code { font-family: var(--font-mono); font-size: 8rem; font-weight: 400; color: var(--border-mid); line-height: 1; margin-bottom: 16px; }
.not-found h2 { color: var(--navy); margin-bottom: 16px; }
.not-found p  { color: var(--slate); margin-bottom: 36px; }

/* Scroll animation */
.fade-up { opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }
.fade-up:nth-child(4) { transition-delay: 0.3s; }

/* Responsive */
@media (max-width: 1024px) {
  .features { grid-template-columns: repeat(2,1fr); }
  .hub-grid { grid-template-columns: repeat(2,1fr); }
  .input-grid, .input-grid--3 { grid-template-columns: repeat(2,1fr); }
  .input-grid--4 { grid-template-columns: repeat(2,1fr); }
  .output-grid { grid-template-columns: repeat(2,1fr); }
  .footer__inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .navbar__links { display: none; }
  .navbar__burger { display: flex; }
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .features { grid-template-columns: 1fr; }
  .hub-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 32px; }
  .steps::before { display: none; }
  .input-grid, .input-grid--2, .input-grid--3, .input-grid--4 { grid-template-columns: 1fr; }
  .output-grid, .output-grid--2, .output-grid--3 { grid-template-columns: 1fr 1fr; }
  .compare-grid, .strategy-grid { grid-template-columns: 1fr; }
  .calc-card { padding: 28px 20px; }
  .planner-row { grid-template-columns: 1fr 1fr; }
  .footer__inner { grid-template-columns: 1fr; }
  .tabs { flex-direction: column; border-radius: var(--radius); width: 100%; }
  .tab-btn { border-radius: var(--radius-sm); }
}
@media (max-width: 480px) {
  .output-grid, .output-grid--2, .output-grid--3 { grid-template-columns: 1fr; }
  h1 { font-size: 2rem; }
  .hero__btns { flex-direction: column; }
  .btn { justify-content: center; }
}