/* ============================================
   SmartCalc Finance — Premium Financial Aesthetic
   Bloomberg meets NerdWallet, more approachable
   ============================================ */

/* --- CSS Variables --- */
:root {
    --navy: #0a1628;
    --navy-light: #142240;
    --navy-mid: #1a2d52;
    --gold: #c9a84c;
    --gold-light: #dfc67a;
    --gold-dark: #a88b35;
    --gold-subtle: #f8f3e6;
    --cream: #fdfbf7;
    --cream-dark: #f5f0e8;
    --paper: #faf8f4;
    --white: #ffffff;
    --gray-50: #f9fafb;
    --gray-100: #f3f4f6;
    --gray-200: #e5e7eb;
    --gray-300: #d1d5db;
    --gray-400: #9ca3af;
    --gray-500: #6b7280;
    --gray-600: #4b5563;
    --gray-700: #374151;
    --gray-800: #1f2937;
    --text-primary: #0f172a;
    --text-secondary: #475569;
    --text-muted: #94a3b8;
    --success: #059669;
    --danger: #dc2626;
    --serif: 'DM Serif Display', Georgia, 'Times New Roman', serif;
    --sans: 'Source Sans 3', 'Segoe UI', system-ui, -apple-system, sans-serif;
    --mono: 'JetBrains Mono', 'Fira Code', monospace;
    --shadow-sm: 0 1px 3px rgba(10,22,40,0.06), 0 1px 2px rgba(10,22,40,0.04);
    --shadow-md: 0 4px 12px rgba(10,22,40,0.08), 0 2px 4px rgba(10,22,40,0.04);
    --shadow-lg: 0 12px 40px rgba(10,22,40,0.1), 0 4px 12px rgba(10,22,40,0.06);
    --shadow-gold: 0 4px 20px rgba(201,168,76,0.15);
    --radius-sm: 6px;
    --radius: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
    font-size: 16px;
}

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

/* Paper texture overlay */
body::before {
    content: '';
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    pointer-events: none;
    z-index: 9999;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.025'/%3E%3C/svg%3E");
    background-repeat: repeat;
    opacity: 0.4;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; line-height: 1.2; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); color: var(--navy); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); color: var(--navy); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); color: var(--navy); }
h4 { font-size: 1.1rem; }

a { color: var(--gold-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }

img { max-width: 100%; height: auto; }

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 32px;
    font-family: var(--sans);
    font-size: 0.95rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    border: 2px solid transparent;
    border-radius: var(--radius);
    cursor: pointer;
    transition: all var(--transition);
    text-decoration: none;
    gap: 8px;
}
.btn-primary {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}
.btn-primary:hover {
    background: var(--navy-mid);
    border-color: var(--gold);
    box-shadow: var(--shadow-gold);
    color: var(--white);
    transform: translateY(-1px);
}
.btn-outline {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}
.btn-outline:hover {
    background: var(--navy);
    color: var(--white);
    transform: translateY(-1px);
}

/* --- Header --- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(250,248,244,0.92);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid rgba(10,22,40,0.06);
    padding: 0;
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--navy);
}
.logo-text {
    font-family: var(--serif);
    font-size: 1.35rem;
    letter-spacing: -0.01em;
}
.logo-accent { color: var(--gold); }
.logo-icon svg { display: block; }

.main-nav {
    display: flex;
    gap: 36px;
}
.main-nav a {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-secondary);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 4px 0;
    position: relative;
    text-decoration: none;
}
.main-nav a::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: width var(--transition);
}
.main-nav a:hover { color: var(--navy); }
.main-nav a:hover::after { width: 100%; }

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}
.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: all var(--transition);
}

/* --- Hero --- */
.hero {
    position: relative;
    padding: 100px 0 80px;
    background: linear-gradient(170deg, var(--navy) 0%, var(--navy-light) 55%, var(--navy-mid) 100%);
    overflow: hidden;
}
.hero-bg-pattern {
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(ellipse at 20% 50%, rgba(201,168,76,0.08) 0%, transparent 60%),
        radial-gradient(ellipse at 80% 20%, rgba(201,168,76,0.05) 0%, transparent 50%);
}
.hero-bg-pattern::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c9a84c' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    opacity: 0.6;
}
.hero-content {
    position: relative;
    z-index: 1;
    max-width: 740px;
    text-align: center;
    margin: 0 auto;
}
.hero-badge {
    display: inline-block;
    padding: 6px 20px;
    background: rgba(201,168,76,0.12);
    border: 1px solid rgba(201,168,76,0.25);
    border-radius: 50px;
    color: var(--gold-light);
    font-size: 0.82rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 28px;
}
.hero h1 {
    color: var(--white);
    margin-bottom: 24px;
    line-height: 1.15;
}
.hero h1 .gold { color: var(--gold); }
.hero-sub {
    color: rgba(255,255,255,0.7);
    font-size: 1.15rem;
    line-height: 1.75;
    margin-bottom: 36px;
    max-width: 620px;
    margin-left: auto;
    margin-right: auto;
}
.hero-cta-row {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 60px;
}
.hero .btn-primary {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
}
.hero .btn-primary:hover {
    background: var(--gold-light);
    border-color: var(--gold-light);
}
.hero .btn-outline {
    color: var(--white);
    border-color: rgba(255,255,255,0.3);
}
.hero .btn-outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.5);
    color: var(--white);
}

.hero-stats {
    display: flex;
    justify-content: center;
    gap: 60px;
}
.hero-stat { text-align: center; }
.hero-stat-num {
    display: block;
    font-family: var(--serif);
    font-size: 2.4rem;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 4px;
}
.hero-stat-label {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 600;
}

/* --- Sections --- */
.section {
    padding: 80px 0;
}
.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 56px;
}
.section-tag {
    display: inline-block;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold-dark);
    background: var(--gold-subtle);
    padding: 5px 16px;
    border-radius: 50px;
    margin-bottom: 16px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p {
    color: var(--text-secondary);
    font-size: 1.05rem;
}

/* --- Calculator Overview Grid --- */
.calc-overview {
    background: var(--white);
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
}
.calc-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 20px;
}
.calc-card {
    display: flex;
    flex-direction: column;
    padding: 28px 24px;
    background: var(--paper);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    text-decoration: none;
    color: var(--text-primary);
    transition: all var(--transition);
    position: relative;
    overflow: hidden;
}
.calc-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: var(--gold);
    transform: scaleX(0);
    transition: transform var(--transition);
    transform-origin: left;
}
.calc-card:hover {
    border-color: var(--gold);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
    color: var(--text-primary);
}
.calc-card:hover::before { transform: scaleX(1); }
.calc-card-icon {
    width: 48px;
    height: 48px;
    color: var(--gold-dark);
    margin-bottom: 16px;
}
.calc-card-icon svg { width: 100%; height: 100%; }
.calc-card h3 {
    font-size: 1.15rem;
    margin-bottom: 8px;
}
.calc-card p {
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.5;
}

/* --- Ad Slots --- */
.ad-slot {
    min-height: 250px;
    border: 1px dashed #ddd;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #fafafa;
    border-radius: var(--radius);
    margin: 32px 0;
    font-size: 0.85rem;
    color: var(--text-muted);
    font-weight: 500;
    letter-spacing: 0.04em;
}

/* --- Calculator Sections --- */
.calculator-section {
    padding: 60px 0;
}
.calculator-section:nth-child(even) {
    background: var(--white);
}
.calc-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 40px;
    align-items: start;
}
.calc-header {
    margin-bottom: 32px;
    position: relative;
}
.calc-number {
    font-family: var(--mono);
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--gold);
    letter-spacing: 0.04em;
    display: block;
    margin-bottom: 8px;
}
.calc-header h2 { margin-bottom: 12px; }
.calc-header p {
    color: var(--text-secondary);
    font-size: 0.98rem;
    max-width: 580px;
}

.calc-body {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-sm);
}

/* --- Inputs --- */
.calc-inputs {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-bottom: 24px;
}

.input-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}
.input-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-secondary);
    letter-spacing: 0.01em;
}
.input-group input,
.input-group select {
    font-family: var(--sans);
    font-size: 1rem;
    padding: 12px 16px;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    background: var(--white);
    color: var(--text-primary);
    transition: border-color var(--transition), box-shadow var(--transition);
    width: 100%;
}
.input-group input:focus,
.input-group select:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}
.input-group input::placeholder { color: var(--text-muted); }
.input-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
}

.input-prefix, .input-suffix {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: border-color var(--transition), box-shadow var(--transition);
    background: var(--white);
}
.input-prefix:focus-within, .input-suffix:focus-within {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}
.input-prefix span, .input-suffix span {
    padding: 12px 14px;
    background: var(--gray-50);
    color: var(--text-muted);
    font-weight: 600;
    font-size: 0.9rem;
    border-right: 1px solid var(--gray-200);
    white-space: nowrap;
    user-select: none;
}
.input-suffix span {
    border-right: none;
    border-left: 1px solid var(--gray-200);
    order: 2;
}
.input-prefix input, .input-suffix input {
    border: none;
    border-radius: 0;
    flex: 1;
    min-width: 0;
}
.input-prefix input:focus, .input-suffix input:focus {
    box-shadow: none;
}

.calc-btn {
    width: 100%;
    padding: 16px;
    font-size: 1rem;
}

/* --- Results --- */
.calc-results {
    margin-top: 28px;
    padding-top: 28px;
    border-top: 1px solid var(--gray-200);
    animation: fadeIn 0.4s ease;
}
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(8px); }
    to { opacity: 1; transform: translateY(0); }
}

.result-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 16px;
    margin-bottom: 24px;
}
.result-card {
    padding: 20px;
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    text-align: center;
}
.result-card.primary {
    background: var(--navy);
    border-color: var(--navy);
}
.result-card.primary .result-label { color: rgba(255,255,255,0.7); }
.result-card.primary .result-value { color: var(--gold); }
.result-label {
    display: block;
    font-size: 0.78rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-muted);
    margin-bottom: 6px;
}
.result-value {
    display: block;
    font-family: var(--serif);
    font-size: 1.5rem;
    color: var(--navy);
    line-height: 1.2;
}

/* --- Amortization Table --- */
.amortization-preview { margin-top: 24px; }
.amortization-preview h4 {
    font-family: var(--sans);
    font-size: 0.9rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-secondary);
    margin-bottom: 12px;
}
.table-wrap {
    overflow-x: auto;
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}
table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.88rem;
}
thead {
    background: var(--navy);
}
thead th {
    padding: 12px 16px;
    color: var(--gold-light);
    font-weight: 600;
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    text-align: right;
    font-family: var(--sans);
}
thead th:first-child { text-align: center; }
tbody td {
    padding: 10px 16px;
    text-align: right;
    color: var(--text-primary);
    font-family: var(--mono);
    font-size: 0.82rem;
    border-bottom: 1px solid var(--gray-100);
}
tbody td:first-child { text-align: center; color: var(--text-muted); }
tbody tr:last-child td { border-bottom: none; }
tbody tr:hover { background: var(--gold-subtle); }

/* --- Chart --- */
.chart-container {
    margin-top: 8px;
    padding: 16px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}

/* --- Sidebar --- */
.calc-sidebar {
    position: sticky;
    top: 92px;
}
.sidebar-tip {
    padding: 24px;
    background: var(--gold-subtle);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: var(--radius-lg);
    margin-bottom: 24px;
}
.sidebar-tip h4 {
    font-family: var(--sans);
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--navy);
    margin-bottom: 10px;
}
.sidebar-tip p {
    font-size: 0.9rem;
    color: var(--text-secondary);
    line-height: 1.6;
}

/* --- Budget Specific --- */
.budget-expenses { grid-column: 1 / -1; }
.budget-expenses h4 {
    font-family: var(--sans);
    font-weight: 700;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-secondary);
    margin-bottom: 16px;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--gray-200);
}
.expense-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.budget-breakdown {
    margin-top: 16px;
}
.budget-bar {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
    font-size: 0.88rem;
}
.budget-bar-label {
    width: 120px;
    font-weight: 600;
    color: var(--text-secondary);
    flex-shrink: 0;
    font-size: 0.82rem;
}
.budget-bar-track {
    flex: 1;
    height: 24px;
    background: var(--gray-100);
    border-radius: 12px;
    overflow: hidden;
    position: relative;
}
.budget-bar-fill {
    height: 100%;
    border-radius: 12px;
    transition: width 0.6s ease;
    display: flex;
    align-items: center;
    justify-content: flex-end;
    padding-right: 8px;
    font-size: 0.72rem;
    font-weight: 700;
    color: white;
    min-width: 40px;
}
.budget-bar-amount {
    font-family: var(--mono);
    font-size: 0.82rem;
    color: var(--text-primary);
    width: 80px;
    text-align: right;
    flex-shrink: 0;
}

/* --- Net Worth Columns --- */
.nw-columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    margin-bottom: 24px;
}
.nw-col-title {
    font-family: var(--sans);
    font-weight: 700;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 16px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--gray-200);
}
.assets-title { color: var(--success); border-color: var(--success); }
.liabilities-title { color: var(--danger); border-color: var(--danger); }

/* --- Emergency Fund Progress Bar --- */
.ef-progress-bar-wrap { margin-top: 16px; }
.ef-progress-bar {
    width: 100%;
    height: 32px;
    background: var(--gray-100);
    border-radius: 16px;
    overflow: hidden;
}
.ef-progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--gold-dark), var(--gold));
    border-radius: 16px;
    transition: width 0.8s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--navy);
}

/* --- Guides Section --- */
.guides-section {
    background: var(--cream);
}
.guide-article {
    max-width: 780px;
    margin: 0 auto 48px;
    padding: 40px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}
.guide-article h3 {
    margin-bottom: 20px;
    padding-bottom: 16px;
    border-bottom: 2px solid var(--gold-subtle);
    position: relative;
}
.guide-article h3::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 60px;
    height: 2px;
    background: var(--gold);
}
.guide-article p {
    color: var(--text-secondary);
    font-size: 1rem;
    line-height: 1.8;
    margin-bottom: 16px;
}
.guide-article p:last-child { margin-bottom: 0; }

/* --- FAQ --- */
.faq-section {
    background: var(--white);
    border-top: 1px solid var(--gray-200);
}
.faq-list {
    max-width: 780px;
    margin: 0 auto;
}
.faq-item {
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    margin-bottom: 12px;
    overflow: hidden;
    transition: border-color var(--transition);
}
.faq-item[open] {
    border-color: var(--gold);
    box-shadow: var(--shadow-sm);
}
.faq-item summary {
    padding: 20px 24px;
    font-family: var(--serif);
    font-size: 1.1rem;
    color: var(--navy);
    cursor: pointer;
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    transition: background var(--transition);
    user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
    content: '+';
    font-family: var(--sans);
    font-size: 1.4rem;
    font-weight: 300;
    color: var(--gold);
    flex-shrink: 0;
    margin-left: 16px;
    transition: transform 0.3s ease;
}
.faq-item[open] summary::after {
    content: '−';
}
.faq-item summary:hover { background: var(--gray-50); }
.faq-answer {
    padding: 0 24px 20px;
    animation: fadeIn 0.3s ease;
}
.faq-answer p {
    color: var(--text-secondary);
    font-size: 0.95rem;
    line-height: 1.75;
}

/* --- Footer --- */
.site-footer {
    background: var(--navy);
    color: rgba(255,255,255,0.7);
    padding: 64px 0 32px;
}
.footer-inner {
    display: grid;
    grid-template-columns: 1.2fr repeat(3, 1fr);
    gap: 48px;
}
.footer-brand .logo-text {
    color: var(--white);
    display: block;
    margin-bottom: 12px;
}
.footer-brand p {
    font-size: 0.9rem;
    line-height: 1.6;
    max-width: 280px;
}
.footer-col h4 {
    font-family: var(--sans);
    font-weight: 700;
    font-size: 0.82rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--gold);
    margin-bottom: 16px;
}
.footer-col a {
    display: block;
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
    padding: 4px 0;
    transition: color var(--transition);
}
.footer-col a:hover { color: var(--white); }
.footer-bottom {
    grid-column: 1 / -1;
    padding-top: 32px;
    margin-top: 16px;
    border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-bottom p {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.4);
    text-align: center;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
    .calc-layout {
        grid-template-columns: 1fr;
    }
    .calc-sidebar {
        position: static;
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 20px;
    }
    .footer-inner {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .main-nav {
        display: none;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        background: var(--white);
        border-bottom: 1px solid var(--gray-200);
        flex-direction: column;
        padding: 20px 24px;
        gap: 16px;
        box-shadow: var(--shadow-md);
    }
    .main-nav.active { display: flex; }
    .nav-toggle { display: flex; }

    .hero { padding: 60px 0; }
    .hero-stats { gap: 32px; }
    .hero-stat-num { font-size: 1.8rem; }

    .calc-inputs {
        grid-template-columns: 1fr;
    }
    .expense-grid {
        grid-template-columns: 1fr;
    }
    .nw-columns {
        grid-template-columns: 1fr;
    }
    .calc-sidebar {
        grid-template-columns: 1fr;
    }
    .calc-body {
        padding: 24px;
    }
    .guide-article {
        padding: 28px;
    }
    .result-cards {
        grid-template-columns: 1fr 1fr;
    }
    .footer-inner {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .section { padding: 56px 0; }
    .calculator-section { padding: 40px 0; }
}

@media (max-width: 480px) {
    .hero-cta-row {
        flex-direction: column;
        align-items: center;
    }
    .hero-cta-row .btn { width: 100%; }
    .hero-stats { flex-direction: column; gap: 16px; }
    .result-cards { grid-template-columns: 1fr; }
    .calc-grid { grid-template-columns: 1fr; }
    .btn { padding: 12px 24px; font-size: 0.9rem; }
}