/* ============================================
   TaxSmart 2026 - Complete Tax Guide
   Clean, professional: IRS blue + green accents
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Playfair+Display:wght@600;700;800&display=swap');

:root {
  --blue-900: #001a33;
  --blue-800: #002244;
  --blue-700: #003366;
  --blue-600: #004080;
  --blue-500: #0059b3;
  --blue-400: #3380cc;
  --blue-300: #6699cc;
  --blue-200: #99b3d6;
  --blue-100: #ccd9e6;
  --blue-50: #e8eef5;
  --green-700: #1e7e34;
  --green-600: #28a745;
  --green-500: #34c759;
  --green-400: #5cd87e;
  --green-300: #85e89d;
  --green-200: #b5f0c4;
  --green-100: #d4f8dc;
  --green-50: #eafbee;
  --gold-500: #d4a843;
  --gold-400: #e0b850;
  --red-500: #dc3545;
  --red-100: #fde8ea;
  --gray-900: #1a1a2e;
  --gray-800: #2d2d44;
  --gray-700: #444466;
  --gray-600: #5a5a7a;
  --gray-500: #7a7a99;
  --gray-400: #9999b3;
  --gray-300: #c4c4d4;
  --gray-200: #e0e0ea;
  --gray-100: #f0f0f5;
  --gray-50: #f8f8fc;
  --white: #ffffff;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,26,51,0.08);
  --shadow-md: 0 4px 12px rgba(0,26,51,0.10);
  --shadow-lg: 0 8px 30px rgba(0,26,51,0.12);
  --shadow-xl: 0 16px 50px rgba(0,26,51,0.15);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --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;
  scroll-padding-top: 80px;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

/* ---- UTILITY ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 860px; margin: 0 auto; padding: 0 24px; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); border: 0;
}

/* ---- NAVIGATION ---- */
.nav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gray-200);
  transition: var(--transition);
}
.nav.scrolled {
  box-shadow: var(--shadow-md);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px; max-width: 1200px; margin: 0 auto; padding: 0 24px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; color: var(--blue-700);
  font-family: var(--font-display); font-weight: 800;
  font-size: 1.35rem; letter-spacing: -0.5px;
}
.nav-logo svg { flex-shrink: 0; }
.nav-links {
  display: flex; align-items: center; gap: 6px;
  list-style: none;
}
.nav-links a {
  text-decoration: none; color: var(--gray-600);
  font-size: 0.875rem; font-weight: 500;
  padding: 8px 14px; border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  color: var(--blue-700); background: var(--blue-50);
}
.nav-cta {
  background: var(--blue-700) !important; color: var(--white) !important;
  border-radius: var(--radius-sm) !important; font-weight: 600 !important;
}
.nav-cta:hover { background: var(--blue-600) !important; }

.mobile-toggle {
  display: none; background: none; border: none; cursor: pointer;
  color: var(--blue-700); padding: 8px;
}
.mobile-menu {
  display: none; position: fixed; top: 72px; left: 0; right: 0;
  background: var(--white); border-bottom: 1px solid var(--gray-200);
  box-shadow: var(--shadow-lg); padding: 16px 24px;
  max-height: calc(100vh - 72px); overflow-y: auto;
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block; padding: 12px 16px; text-decoration: none;
  color: var(--gray-700); font-size: 0.95rem; font-weight: 500;
  border-radius: var(--radius-sm); transition: var(--transition);
}
.mobile-menu a:hover { background: var(--blue-50); color: var(--blue-700); }

/* ---- HERO ---- */
.hero {
  position: relative; padding: 140px 0 80px; overflow: hidden;
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 50%, var(--blue-600) 100%);
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: 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='%23ffffff' fill-opacity='0.03'%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");
}
.hero::after {
  content: ''; position: absolute; bottom: -2px; left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-content {
  position: relative; z-index: 1; text-align: center;
  max-width: 800px; margin: 0 auto;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2);
  color: var(--green-300); font-size: 0.8rem; font-weight: 600;
  padding: 6px 16px; border-radius: 50px; margin-bottom: 24px;
  letter-spacing: 0.5px; text-transform: uppercase;
}
.hero-badge .dot {
  width: 8px; height: 8px; background: var(--green-500);
  border-radius: 50%; animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; } 50% { opacity: 0.4; }
}
.hero h1 {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  color: var(--white); line-height: 1.15;
  margin-bottom: 20px; letter-spacing: -1px;
}
.hero h1 span { color: var(--green-400); }
.hero p {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: var(--blue-200); max-width: 600px; margin: 0 auto 36px;
  line-height: 1.7;
}
.hero-buttons {
  display: flex; gap: 14px; justify-content: center; flex-wrap: wrap;
}
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 0.95rem; font-weight: 600;
  text-decoration: none; cursor: pointer; border: none;
  transition: var(--transition);
}
.btn-primary {
  background: var(--green-600); color: var(--white);
  box-shadow: 0 2px 12px rgba(40,167,69,0.3);
}
.btn-primary:hover {
  background: var(--green-700); transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(40,167,69,0.4);
}
.btn-secondary {
  background: rgba(255,255,255,0.12); color: var(--white);
  border: 1px solid rgba(255,255,255,0.25);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.2);
}

.hero-stats {
  display: flex; justify-content: center; gap: 48px;
  margin-top: 56px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat { text-align: center; }
.hero-stat .number {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.8rem; color: var(--white);
}
.hero-stat .label {
  font-size: 0.8rem; color: var(--blue-300);
  text-transform: uppercase; letter-spacing: 1px; margin-top: 4px;
}

/* ---- SECTION STYLING ---- */
.section {
  padding: 80px 0;
}
.section-alt { background: var(--gray-50); }
.section-dark {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-800));
  color: var(--white);
}
.section-header {
  text-align: center; margin-bottom: 56px;
}
.section-label {
  display: inline-block; font-size: 0.75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 2px;
  color: var(--blue-500); margin-bottom: 12px;
}
.section-dark .section-label { color: var(--green-400); }
.section-header h2 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--gray-900); line-height: 1.2;
  margin-bottom: 16px; letter-spacing: -0.5px;
}
.section-dark .section-header h2 { color: var(--white); }
.section-header p {
  font-size: 1.05rem; color: var(--gray-500);
  max-width: 600px; margin: 0 auto;
}
.section-dark .section-header p { color: var(--blue-300); }

/* ---- AD SLOTS ---- */
.ad-slot {
  background: var(--gray-50); border: 1px dashed var(--gray-300);
  border-radius: var(--radius-md); padding: 20px;
  text-align: center; margin: 40px 0;
  font-size: 0.75rem; color: var(--gray-400);
  min-height: 90px; display: flex; align-items: center;
  justify-content: center;
}
.ad-slot-wide { min-height: 120px; }
.ad-slot-sidebar { min-height: 250px; }

/* ---- TAX GUIDE CARDS ---- */
.guide-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 24px;
}
.guide-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  padding: 32px; cursor: pointer;
  transition: var(--transition);
  position: relative; overflow: hidden;
}
.guide-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 4px; background: linear-gradient(90deg, var(--blue-700), var(--blue-500));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s ease;
}
.guide-card:hover::before { transform: scaleX(1); }
.guide-card:hover {
  border-color: var(--blue-300);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.guide-card-icon {
  width: 48px; height: 48px; border-radius: var(--radius-md);
  background: var(--blue-50); display: flex;
  align-items: center; justify-content: center;
  margin-bottom: 16px; font-size: 1.3rem;
}
.guide-card h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.15rem; color: var(--gray-900);
  margin-bottom: 10px; line-height: 1.35;
}
.guide-card p {
  font-size: 0.9rem; color: var(--gray-500);
  line-height: 1.65; margin-bottom: 16px;
}
.guide-card .read-more {
  font-size: 0.85rem; font-weight: 600; color: var(--blue-600);
  display: inline-flex; align-items: center; gap: 6px;
  transition: var(--transition);
}
.guide-card:hover .read-more { color: var(--blue-700); gap: 10px; }

/* ---- GUIDE DETAIL (MODAL) ---- */
.guide-modal-overlay {
  display: none; position: fixed; inset: 0; z-index: 2000;
  background: rgba(0,20,40,0.6);
  backdrop-filter: blur(4px);
  overflow-y: auto; padding: 40px 24px;
}
.guide-modal-overlay.open { display: flex; justify-content: center; align-items: flex-start; }
.guide-modal {
  background: var(--white); border-radius: var(--radius-xl);
  max-width: 820px; width: 100%; position: relative;
  box-shadow: var(--shadow-xl); animation: modalIn 0.3s ease;
  margin: auto;
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.guide-modal-header {
  padding: 36px 40px 24px;
  border-bottom: 1px solid var(--gray-200);
}
.guide-modal-header h2 {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.6rem; color: var(--gray-900);
  line-height: 1.3; padding-right: 40px;
}
.guide-modal-close {
  position: absolute; top: 24px; right: 24px;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--gray-100); border: none;
  cursor: pointer; display: flex;
  align-items: center; justify-content: center;
  transition: var(--transition); font-size: 1.2rem;
  color: var(--gray-600);
}
.guide-modal-close:hover {
  background: var(--red-100); color: var(--red-500);
}
.guide-modal-body {
  padding: 32px 40px 40px;
}
.guide-modal-body h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.2rem; color: var(--gray-900);
  margin: 28px 0 12px;
}
.guide-modal-body h3:first-child { margin-top: 0; }
.guide-modal-body p {
  font-size: 0.95rem; color: var(--gray-700);
  line-height: 1.75; margin-bottom: 14px;
}
.guide-modal-body ul, .guide-modal-body ol {
  padding-left: 20px; margin-bottom: 14px;
}
.guide-modal-body li {
  font-size: 0.95rem; color: var(--gray-700);
  line-height: 1.7; margin-bottom: 6px;
}
.guide-modal-body strong { color: var(--gray-900); }
.guide-modal-body .savings-callout {
  background: var(--green-50); border-left: 4px solid var(--green-600);
  padding: 16px 20px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 20px 0;
}
.guide-modal-body .savings-callout p {
  color: var(--green-700); font-weight: 500; margin: 0;
}
.guide-modal-body .warning-callout {
  background: #fff8e1; border-left: 4px solid var(--gold-500);
  padding: 16px 20px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 20px 0;
}
.guide-modal-body .warning-callout p {
  color: #7a6520; font-weight: 500; margin: 0;
}

.guide-modal-body table {
  width: 100%; border-collapse: collapse; margin: 16px 0;
  font-size: 0.88rem;
}
.guide-modal-body th {
  background: var(--blue-50); color: var(--blue-700);
  font-weight: 600; text-align: left;
  padding: 10px 14px; border-bottom: 2px solid var(--blue-200);
}
.guide-modal-body td {
  padding: 10px 14px; border-bottom: 1px solid var(--gray-200);
  color: var(--gray-700);
}
.guide-modal-body tr:hover td { background: var(--gray-50); }

/* ---- CALCULATORS ---- */
.calc-tabs {
  display: flex; gap: 8px; margin-bottom: 32px;
  flex-wrap: wrap; justify-content: center;
}
.calc-tab {
  padding: 12px 24px; border-radius: var(--radius-sm);
  background: var(--white); border: 2px solid var(--gray-200);
  color: var(--gray-600); font-weight: 600; font-size: 0.9rem;
  cursor: pointer; transition: var(--transition);
  font-family: var(--font-body);
}
.calc-tab:hover { border-color: var(--blue-300); color: var(--blue-600); }
.calc-tab.active {
  background: var(--blue-700); border-color: var(--blue-700);
  color: var(--white);
}

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.calc-container {
  display: grid; grid-template-columns: 1fr 1fr; gap: 40px;
  background: var(--white); border-radius: var(--radius-lg);
  padding: 40px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}

.calc-form { }
.form-group {
  margin-bottom: 20px;
}
.form-group label {
  display: block; font-size: 0.85rem; font-weight: 600;
  color: var(--gray-700); margin-bottom: 6px;
}
.form-group input, .form-group select {
  width: 100%; padding: 12px 16px; border-radius: var(--radius-sm);
  border: 2px solid var(--gray-200); font-family: var(--font-body);
  font-size: 0.95rem; color: var(--gray-800);
  transition: var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none; border-color: var(--blue-500);
  box-shadow: 0 0 0 3px rgba(0,89,179,0.1);
}
.form-group .input-prefix {
  position: relative;
}
.form-group .input-prefix::before {
  content: '$'; position: absolute; left: 16px; top: 50%;
  transform: translateY(-50%); color: var(--gray-400);
  font-weight: 600;
}
.form-group .input-prefix input {
  padding-left: 32px;
}
.calc-btn {
  width: 100%; padding: 14px; border-radius: var(--radius-sm);
  background: var(--blue-700); color: var(--white);
  font-family: var(--font-body); font-size: 1rem;
  font-weight: 700; border: none; cursor: pointer;
  transition: var(--transition);
}
.calc-btn:hover { background: var(--blue-600); }

.calc-results {
  background: var(--blue-50); border-radius: var(--radius-md);
  padding: 32px; display: flex; flex-direction: column;
  justify-content: center;
}
.calc-results h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.1rem; color: var(--blue-700); margin-bottom: 24px;
}
.result-row {
  display: flex; justify-content: space-between;
  align-items: center; padding: 12px 0;
  border-bottom: 1px solid var(--blue-100);
}
.result-row:last-child { border-bottom: none; }
.result-label {
  font-size: 0.9rem; color: var(--gray-600);
}
.result-value {
  font-size: 1rem; font-weight: 700; color: var(--gray-900);
}
.result-row.highlight {
  background: var(--green-50); margin: 8px -16px;
  padding: 14px 16px; border-radius: var(--radius-sm);
  border-bottom: none;
}
.result-row.highlight .result-label { color: var(--green-700); font-weight: 600; }
.result-row.highlight .result-value {
  color: var(--green-700); font-size: 1.3rem;
  font-family: var(--font-display);
}

/* ---- TAX CALENDAR ---- */
.calendar-timeline {
  position: relative; padding-left: 40px;
}
.calendar-timeline::before {
  content: ''; position: absolute; left: 15px; top: 0; bottom: 0;
  width: 3px; background: linear-gradient(to bottom, var(--blue-500), var(--green-500));
  border-radius: 2px;
}
.calendar-item {
  position: relative; margin-bottom: 28px;
  padding: 20px 24px; background: var(--white);
  border-radius: var(--radius-md); border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.calendar-item:hover {
  box-shadow: var(--shadow-md); border-color: var(--blue-300);
}
.calendar-item::before {
  content: ''; position: absolute; left: -33px; top: 24px;
  width: 13px; height: 13px; background: var(--blue-500);
  border-radius: 50%; border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--blue-500);
}
.calendar-item.upcoming::before { background: var(--green-500); box-shadow: 0 0 0 2px var(--green-500); }
.calendar-item.past { opacity: 0.6; }
.calendar-date {
  font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--blue-500); margin-bottom: 6px;
}
.calendar-item.upcoming .calendar-date { color: var(--green-600); }
.calendar-title {
  font-weight: 700; font-size: 1rem; color: var(--gray-900);
  margin-bottom: 4px;
}
.calendar-desc {
  font-size: 0.88rem; color: var(--gray-500); line-height: 1.6;
}

/* ---- FILING STATUS DECISION TREE ---- */
.decision-tree {
  max-width: 600px; margin: 0 auto;
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  padding: 40px; box-shadow: var(--shadow-md);
}
.dt-question {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.2rem; color: var(--gray-900);
  text-align: center; margin-bottom: 24px; line-height: 1.4;
}
.dt-options {
  display: flex; gap: 12px; justify-content: center; flex-wrap: wrap;
}
.dt-option {
  padding: 14px 28px; border-radius: var(--radius-sm);
  border: 2px solid var(--blue-200); background: var(--white);
  color: var(--blue-700); font-weight: 600; font-size: 0.95rem;
  cursor: pointer; transition: var(--transition);
  font-family: var(--font-body);
}
.dt-option:hover {
  background: var(--blue-50); border-color: var(--blue-500);
}
.dt-result {
  display: none; text-align: center; padding: 24px;
  background: var(--green-50); border-radius: var(--radius-md);
}
.dt-result h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.3rem; color: var(--green-700); margin-bottom: 8px;
}
.dt-result p {
  font-size: 0.95rem; color: var(--gray-600); line-height: 1.6;
}
.dt-restart {
  margin-top: 16px; padding: 10px 20px;
  background: var(--blue-700); color: var(--white);
  border: none; border-radius: var(--radius-sm);
  font-weight: 600; cursor: pointer; font-family: var(--font-body);
  transition: var(--transition);
}
.dt-restart:hover { background: var(--blue-600); }
.dt-progress {
  display: flex; gap: 6px; justify-content: center; margin-bottom: 24px;
}
.dt-progress .dot-step {
  width: 10px; height: 10px; border-radius: 50%;
  background: var(--gray-200); transition: var(--transition);
}
.dt-progress .dot-step.active { background: var(--blue-500); }
.dt-progress .dot-step.completed { background: var(--green-500); }

/* ---- GLOSSARY ---- */
.glossary-search {
  position: relative; max-width: 480px; margin: 0 auto 36px;
}
.glossary-search input {
  width: 100%; padding: 14px 20px 14px 48px;
  border: 2px solid var(--gray-200); border-radius: 50px;
  font-size: 0.95rem; font-family: var(--font-body);
  transition: var(--transition);
}
.glossary-search input:focus {
  outline: none; border-color: var(--blue-500);
  box-shadow: 0 0 0 4px rgba(0,89,179,0.1);
}
.glossary-search svg {
  position: absolute; left: 18px; top: 50%;
  transform: translateY(-50%); color: var(--gray-400);
}
.glossary-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 16px;
}
.glossary-item {
  padding: 20px 24px; border-radius: var(--radius-md);
  border: 1px solid var(--gray-200); background: var(--white);
  transition: var(--transition);
}
.glossary-item:hover {
  border-color: var(--blue-300); box-shadow: var(--shadow-sm);
}
.glossary-term {
  font-weight: 700; color: var(--blue-700);
  font-size: 0.95rem; margin-bottom: 4px;
}
.glossary-def {
  font-size: 0.88rem; color: var(--gray-600); line-height: 1.6;
}
.glossary-item.hidden { display: none; }

/* ---- FAQ ---- */
.faq-list {
  max-width: 800px; margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-question {
  width: 100%; padding: 20px 0; display: flex;
  justify-content: space-between; align-items: center;
  background: none; border: none; cursor: pointer;
  font-family: var(--font-body); font-size: 1rem;
  font-weight: 600; color: var(--gray-900);
  text-align: left; transition: var(--transition);
}
.faq-question:hover { color: var(--blue-700); }
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--gray-100); display: flex;
  align-items: center; justify-content: center;
  flex-shrink: 0; transition: var(--transition);
  font-size: 1.1rem; color: var(--gray-500);
}
.faq-item.open .faq-icon {
  background: var(--blue-700); color: var(--white);
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.35s ease;
}
.faq-answer-inner {
  padding: 0 0 20px;
  font-size: 0.95rem; color: var(--gray-600); line-height: 1.75;
}

/* ---- FOOTER ---- */
.footer {
  background: var(--gray-900); color: var(--gray-400);
  padding: 60px 0 30px;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 48px;
}
.footer-brand {
  font-family: var(--font-display); font-weight: 700;
  font-size: 1.3rem; color: var(--white); margin-bottom: 12px;
}
.footer-desc {
  font-size: 0.88rem; line-height: 1.7; color: var(--gray-500);
}
.footer h4 {
  color: var(--white); font-size: 0.85rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 16px;
}
.footer a {
  display: block; color: var(--gray-500); text-decoration: none;
  font-size: 0.88rem; padding: 4px 0; transition: var(--transition);
}
.footer a:hover { color: var(--green-400); }
.footer-bottom {
  padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.08);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.footer-bottom p {
  font-size: 0.8rem; color: var(--gray-600);
}
.footer-disclaimer {
  font-size: 0.75rem; color: var(--gray-600);
  line-height: 1.6; margin-top: 20px; max-width: 700px;
}

/* ---- BACK TO TOP ---- */
.back-to-top {
  position: fixed; bottom: 24px; right: 24px;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--blue-700); color: var(--white);
  border: none; cursor: pointer; display: flex;
  align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: var(--transition); z-index: 999;
}
.back-to-top.visible {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.back-to-top:hover { background: var(--blue-600); transform: translateY(-2px); }

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .nav-links { display: none; }
  .mobile-toggle { display: block; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .hero { padding: 120px 0 60px; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .guide-grid { grid-template-columns: 1fr; }
  .calc-container { grid-template-columns: 1fr; }
  .glossary-grid { grid-template-columns: 1fr; }
  .guide-modal { margin: 20px; }
  .guide-modal-header { padding: 28px 24px 20px; }
  .guide-modal-body { padding: 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .section { padding: 60px 0; }
  .calendar-timeline { padding-left: 32px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.8rem; }
  .calc-tabs { gap: 6px; }
  .calc-tab { padding: 10px 16px; font-size: 0.8rem; }
  .guide-modal-overlay { padding: 16px; }
}

/* ---- ANIMATION STAGGER ---- */
.fade-in {
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1; transform: translateY(0);
}
.fade-in:nth-child(2) { transition-delay: 0.1s; }
.fade-in:nth-child(3) { transition-delay: 0.2s; }
.fade-in:nth-child(4) { transition-delay: 0.3s; }
.fade-in:nth-child(5) { transition-delay: 0.4s; }
.fade-in:nth-child(6) { transition-delay: 0.5s; }

/* ---- PRINT STYLES ---- */
@media print {
  .nav, .mobile-menu, .back-to-top, .ad-slot { display: none !important; }
  .hero { padding: 40px 0; }
  body { font-size: 12pt; }
}