/* ===== CSS VARIABLES (Blue-Green Trust Palette) ===== */
    :root {
      --primary: #1e40af;
      --primary-light: #3b82f6;
      --primary-dark: #1e3a8a;
      --primary-bg: #eff6ff;
      --green: #10b981;
      --green-dark: #059669;
      --green-bg: #ecfdf5;
      --amber: #f59e0b;
      --amber-dark: #d97706;
      --red: #ef4444;
      --gray-50: #f8fafc;
      --gray-100: #f1f5f9;
      --gray-200: #e2e8f0;
      --gray-300: #cbd5e1;
      --gray-500: #64748b;
      --gray-700: #374151;
      --gray-900: #0f172a;
      --radius: 12px;
      --shadow: 0 1px 3px rgba(0,0,0,0.07), 0 4px 16px rgba(0,0,0,0.04);
      --shadow-lg: 0 4px 24px rgba(0,0,0,0.09);
    }

    /* ===== RESET & BASE ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
      background: var(--gray-50);
      color: var(--gray-900);
      line-height: 1.6;
    }
    a { color: inherit; text-decoration: none; }

    /* ===== HEADER ===== */
    header {
      background: #fff;
      border-bottom: 1px solid var(--gray-200);
      position: sticky;
      top: 0;
      z-index: 100;
      padding: 0 1.5rem;
      box-shadow: 0 1px 4px rgba(0,0,0,0.04);
    }
    .header-inner {
      max-width: 1140px;
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
      height: 64px;
    }
    .logo {
      display: flex;
      align-items: center;
      gap: 10px;
      font-weight: 800;
      font-size: 1.15rem;
      color: var(--gray-900);
      text-decoration: none;
    }
    .logo:hover { opacity: 0.85; }
    .logo-icon {
      width: 38px;
      height: 38px;
      background: linear-gradient(135deg, var(--primary), var(--primary-light));
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: #fff;
      font-size: 1.15rem;
      box-shadow: 0 2px 8px rgba(30,64,175,0.25);
    }
    nav { display: flex; gap: 1.8rem; overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: none; }
    nav::-webkit-scrollbar { display: none; }
    nav a {
      font-size: 0.9rem;
      font-weight: 500;
      color: var(--gray-500);
      transition: color 0.2s;
      position: relative;
    }
    nav a:hover { color: var(--primary); }
    nav a::after {
      content: '';
      position: absolute;
      bottom: -4px;
      left: 0;
      width: 0;
      height: 2px;
      background: var(--primary);
      transition: width 0.2s;
    }
    nav a:hover::after { width: 100%; }

    /* ===== AD SLOTS (hidden until activated) ===== */
    .ad-slot { display: none; background: var(--gray-100); border: 1px dashed var(--gray-300); border-radius: 8px; min-height: 90px; text-align: center; padding: 1rem; color: var(--gray-300); font-size: 0.8rem; }
    .ad-slot-banner { max-width: 728px; margin: 0 auto 1.5rem; }
    .ad-slot-sidebar { width: 100%; margin-bottom: 1rem; }

    /* ===== HERO ===== */
    .hero {
      background: linear-gradient(135deg, var(--primary-bg) 0%, #e0f2fe 50%, var(--green-bg) 100%);
      padding: 3.5rem 1.5rem 2.5rem;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -60px;
      right: -60px;
      width: 240px;
      height: 240px;
      background: radial-gradient(circle, rgba(16,185,129,0.12) 0%, transparent 70%);
      border-radius: 50%;
    }
    .hero h1 {
      font-size: clamp(1.9rem, 4.5vw, 3rem);
      font-weight: 900;
      color: var(--gray-900);
      line-height: 1.15;
      margin-bottom: 0.85rem;
      letter-spacing: -0.02em;
    }
    .hero h1 span {
      background: linear-gradient(135deg, var(--green-dark), var(--green));
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      background-clip: text;
    }
    .hero p {
      font-size: 1.08rem;
      color: var(--gray-500);
      max-width: 620px;
      margin: 0 auto 1.25rem;
      line-height: 1.65;
    }
    .hero-trust {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 1.2rem;
      margin-bottom: 1.5rem;
      font-size: 0.8rem;
      color: var(--gray-500);
      flex-wrap: wrap;
    }
    .hero-trust-item {
      display: flex;
      align-items: center;
      gap: 0.35rem;
    }
    .trust-icon { font-size: 0.95rem; }
    .etf-quick-btns {
      display: flex;
      gap: 0.5rem;
      justify-content: center;
      flex-wrap: wrap;
    }
    .etf-quick-btn {
      padding: 0.45rem 1.1rem;
      border-radius: 999px;
      border: 1.5px solid var(--green);
      color: var(--green-dark);
      font-size: 0.85rem;
      font-weight: 600;
      cursor: pointer;
      background: #fff;
      transition: all 0.2s;
      box-shadow: 0 1px 4px rgba(16,185,129,0.1);
    }
    .etf-quick-btn:hover {
      background: var(--green);
      color: #fff;
      box-shadow: 0 2px 10px rgba(16,185,129,0.25);
    }
    .etf-quick-btn.active {
      background: var(--green);
      color: #fff;
      box-shadow: 0 2px 10px rgba(16,185,129,0.35);
    }

    /* ===== SCENARIO PRESETS ===== */
    .scenarios {
      max-width: 1140px;
      margin: 0 auto;
      padding: 1.5rem 1.5rem 0.5rem;
    }
    .scenarios-title {
      font-size: 0.82rem;
      font-weight: 700;
      color: var(--gray-500);
      text-transform: uppercase;
      letter-spacing: 0.06em;
      margin-bottom: 0.75rem;
      text-align: center;
    }
    .scenario-btns {
      display: flex;
      gap: 0.6rem;
      justify-content: center;
      flex-wrap: wrap;
    }
    .scenario-btn {
      padding: 0.6rem 1.2rem;
      border-radius: var(--radius);
      border: 1.5px solid var(--gray-200);
      background: #fff;
      font-size: 0.85rem;
      font-weight: 600;
      color: var(--gray-700);
      cursor: pointer;
      transition: all 0.2s;
      font-family: inherit;
      box-shadow: var(--shadow);
      white-space: nowrap;
    }
    .scenario-btn:hover {
      border-color: var(--primary-light);
      color: var(--primary);
      box-shadow: var(--shadow-lg);
      transform: translateY(-1px);
    }
    .scenario-btn.active {
      border-color: var(--primary);
      background: var(--primary-bg);
      color: var(--primary);
      box-shadow: 0 0 0 2px rgba(59,130,246,0.15);
    }

    /* ===== MAIN LAYOUT ===== */
    .main-wrap {
      max-width: 1140px;
      margin: 0 auto;
      padding: 1.5rem 1.5rem 2rem;
    }
    .calc-grid {
      display: grid;
      grid-template-columns: 400px 1fr;
      gap: 1.5rem;
      align-items: start;
    }

    /* ===== CARD ===== */
    .card {
      background: #fff;
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      padding: 1.5rem;
      border: 1px solid var(--gray-200);
    }
    .card-title {
      font-size: 1rem;
      font-weight: 700;
      color: var(--gray-900);
      margin-bottom: 1.25rem;
      display: flex;
      align-items: center;
      gap: 0.5rem;
    }
    .card-title .icon { font-size: 1.1rem; }

    /* ===== FORM ===== */
    .field-group { margin-bottom: 1rem; }
    .field-label {
      display: block;
      font-size: 0.82rem;
      font-weight: 600;
      color: var(--gray-700);
      margin-bottom: 0.35rem;
    }
    .field-hint {
      font-size: 0.75rem;
      color: var(--gray-300);
      margin-left: 0.4rem;
      font-weight: 400;
    }
    .input-wrap {
      position: relative;
      display: flex;
      align-items: center;
    }
    .input-prefix, .input-suffix {
      position: absolute;
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--gray-500);
      pointer-events: none;
      z-index: 1;
    }
    .input-prefix { left: 12px; }
    .input-suffix { right: 12px; }
    input[type="number"], input[type="text"], select {
      width: 100%;
      height: 44px;
      border: 1.5px solid var(--gray-200);
      border-radius: 8px;
      font-size: 0.95rem;
      font-family: inherit;
      color: var(--gray-900);
      background: #fff;
      transition: border-color 0.2s, box-shadow 0.2s;
      outline: none;
      padding: 0 12px;
    }
    input[type="number"]:focus, input[type="text"]:focus, select:focus {
      border-color: var(--primary-light);
      box-shadow: 0 0 0 3px rgba(59,130,246,0.12);
    }
    .has-prefix input { padding-left: 28px; }
    .has-suffix input { padding-right: 32px; }

    /* number input spinners hide */
    input[type="number"]::-webkit-inner-spin-button,
    input[type="number"]::-webkit-outer-spin-button {
      -webkit-appearance: none;
      margin: 0;
    }
    input[type="number"] { -moz-appearance: textfield; }

    .toggle-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 0.65rem 0.75rem;
      background: var(--gray-50);
      border-radius: 8px;
      border: 1.5px solid var(--gray-200);
    }
    .toggle-label { font-size: 0.88rem; font-weight: 600; color: var(--gray-700); }
    .toggle-sub { font-size: 0.75rem; color: var(--gray-300); display: block; }
    .toggle {
      width: 48px; height: 26px;
      background: var(--gray-200);
      border-radius: 999px;
      cursor: pointer;
      position: relative;
      transition: background 0.25s;
      border: none;
      flex-shrink: 0;
    }
    .toggle.on { background: var(--green); }
    .toggle::after {
      content: '';
      position: absolute;
      top: 3px; left: 3px;
      width: 20px; height: 20px;
      background: #fff;
      border-radius: 50%;
      transition: transform 0.25s;
      box-shadow: 0 1px 3px rgba(0,0,0,0.18);
    }
    .toggle.on::after { transform: translateX(22px); }

    /* advanced section */
    .advanced-toggle {
      display: flex;
      align-items: center;
      gap: 0.4rem;
      cursor: pointer;
      font-size: 0.82rem;
      font-weight: 600;
      color: var(--primary-light);
      padding: 0.5rem 0;
      border: none;
      background: none;
      width: 100%;
    }
    .advanced-toggle .chevron { transition: transform 0.2s; display: inline-block; }
    .advanced-toggle.open .chevron { transform: rotate(180deg); }
    .advanced-section {
      display: none;
      padding-top: 0.25rem;
      border-top: 1px solid var(--gray-100);
      margin-top: 0.25rem;
    }
    .advanced-section.open { display: block; }

    /* range slider */
    .range-wrap {
      display: flex;
      align-items: center;
      gap: 0.75rem;
    }
    input[type="range"] {
      flex: 1;
      height: 5px;
      border-radius: 999px;
      accent-color: var(--primary-light);
      cursor: pointer;
      -webkit-appearance: none;
      background: var(--gray-200);
      outline: none;
    }
    input[type="range"]::-webkit-slider-thumb {
      -webkit-appearance: none;
      width: 18px;
      height: 18px;
      border-radius: 50%;
      background: var(--primary-light);
      cursor: pointer;
      box-shadow: 0 1px 4px rgba(59,130,246,0.3);
    }
    .range-val {
      font-weight: 700;
      font-size: 1rem;
      color: var(--primary-light);
      min-width: 48px;
      text-align: right;
    }

    /* ETF dropdown */
    #etfSelect { cursor: pointer; }
    #etfSelect option { font-size: 0.85rem; }

    /* ETF badge */
    .etf-badge {
      display: inline-block;
      background: var(--green-bg);
      color: var(--green-dark);
      font-size: 0.68rem;
      font-weight: 700;
      padding: 2px 8px;
      border-radius: 999px;
      text-transform: none;
      letter-spacing: 0;
      margin-left: 0.4rem;
    }

    /* Inline editable params grid */
    .inline-param-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0.6rem;
    }
    .inline-param-item {
      background: var(--gray-50);
      border: 1.5px solid var(--gray-200);
      border-radius: 8px;
      padding: 0.5rem 0.65rem;
      transition: border-color 0.2s;
    }
    .inline-param-item:focus-within {
      border-color: var(--primary-light);
      box-shadow: 0 0 0 3px rgba(59,130,246,0.08);
    }
    .inline-label {
      display: block;
      font-size: 0.7rem;
      font-weight: 600;
      color: var(--gray-500);
      margin-bottom: 0.25rem;
      text-transform: uppercase;
      letter-spacing: 0.03em;
    }
    .inline-param-item input,
    .inline-param-item select {
      width: 100%;
      height: 36px;
      border: 1px solid var(--gray-200) !important;
      border-radius: 6px !important;
      font-size: 0.88rem !important;
      font-weight: 700 !important;
      color: var(--primary) !important;
      background: #fff !important;
      padding: 0 10px !important;
      box-shadow: none !important;
      transition: border-color 0.18s !important;
    }
    .inline-param-item input:focus,
    .inline-param-item select:focus {
      border-color: var(--primary-light) !important;
      box-shadow: 0 0 0 2px rgba(59,130,246,0.12) !important;
    }

    /* ===== RESULTS ===== */
    .summary-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0.85rem;
      margin-bottom: 1.25rem;
    }
    .stat-card {
      background: var(--gray-50);
      border: 1px solid var(--gray-200);
      border-radius: var(--radius);
      padding: 1.1rem 1.2rem;
      transition: box-shadow 0.2s;
    }
    .stat-card:hover { box-shadow: var(--shadow-lg); }
    .stat-card.highlight {
      background: linear-gradient(135deg, var(--primary), var(--primary-light));
      border-color: transparent;
    }
    .stat-card.highlight .stat-label { color: rgba(255,255,255,0.8); }
    .stat-card.highlight .stat-value { color: #fff; }
    .stat-label { font-size: 0.72rem; font-weight: 600; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.35rem; }
    .stat-value { font-size: 1.65rem; font-weight: 900; color: var(--gray-900); line-height: 1.1; letter-spacing: -0.02em; }
    .stat-sub { font-size: 0.75rem; color: var(--gray-500); margin-top: 0.25rem; }
    .stat-card.highlight .stat-sub { color: rgba(255,255,255,0.75); }

    /* result action buttons */
    .result-actions {
      display: flex;
      gap: 0.5rem;
      margin-bottom: 1rem;
      flex-wrap: wrap;
    }
    .result-action-btn {
      padding: 0.4rem 0.8rem;
      border-radius: 8px;
      border: 1px solid var(--gray-200);
      background: #fff;
      font-size: 0.78rem;
      font-weight: 600;
      color: var(--gray-700);
      cursor: pointer;
      font-family: inherit;
      transition: all 0.18s;
      display: flex;
      align-items: center;
      gap: 0.3rem;
    }
    .result-action-btn:hover {
      border-color: var(--primary-light);
      color: var(--primary);
      background: var(--primary-bg);
    }

    /* charts */
    .chart-tabs {
      display: flex;
      gap: 0.4rem;
      margin-bottom: 1rem;
      border-bottom: 1px solid var(--gray-100);
      padding-bottom: 0.5rem;
    }
    .chart-tab {
      padding: 0.3rem 0.85rem;
      border-radius: 6px;
      font-size: 0.8rem;
      font-weight: 600;
      cursor: pointer;
      border: none;
      background: transparent;
      color: var(--gray-500);
      transition: all 0.18s;
      font-family: inherit;
    }
    .chart-tab.active { background: var(--primary); color: #fff; }
    .chart-wrap { height: 220px; }

    /* breakdown bar */
    .breakdown-bar {
      height: 14px;
      border-radius: 999px;
      overflow: hidden;
      display: flex;
      margin-bottom: 0.75rem;
    }
    .bar-seg { height: 100%; transition: width 0.5s ease; }
    .breakdown-legend {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0.4rem 1rem;
    }
    .legend-item {
      display: flex;
      align-items: center;
      gap: 0.4rem;
      font-size: 0.78rem;
    }
    .legend-dot { width: 10px; height: 10px; border-radius: 3px; flex-shrink: 0; }

    /* data table */
    .table-wrap { overflow-x: auto; margin-top: 0.5rem; }
    .data-table {
      width: 100%;
      border-collapse: collapse;
      font-size: 0.82rem;
    }
    .data-table th {
      background: var(--gray-50);
      padding: 0.55rem 0.65rem;
      text-align: right;
      font-weight: 700;
      color: var(--gray-700);
      border-bottom: 2px solid var(--gray-200);
      white-space: nowrap;
    }
    .data-table th:first-child { text-align: left; }
    .data-table td {
      padding: 0.5rem 0.65rem;
      text-align: right;
      border-bottom: 1px solid var(--gray-100);
      color: var(--gray-700);
    }
    .data-table td:first-child { text-align: left; font-weight: 600; }
    .data-table tr:hover td { background: var(--gray-50); }
    .data-table .positive { color: var(--green); font-weight: 600; }
    /* Milestone rows */
    .data-table tr.milestone-row td { background: #ecfdf5; font-weight: 600; }
    .data-table tr.milestone-row td:first-child { color: var(--green-dark); }
    .milestone-badge {
      display: inline-block;
      background: var(--green);
      color: #fff;
      font-size: 0.65rem;
      font-weight: 700;
      padding: 1px 7px;
      border-radius: 999px;
      margin-left: 4px;
      vertical-align: middle;
      letter-spacing: 0.02em;
    }
    .show-more-btn {
      display: block;
      width: 100%;
      text-align: center;
      padding: 0.6rem;
      font-size: 0.82rem;
      font-weight: 600;
      color: var(--primary-light);
      cursor: pointer;
      border: none;
      background: transparent;
      font-family: inherit;
      border-top: 1px solid var(--gray-100);
      margin-top: 0.25rem;
    }
    .show-more-btn:hover { background: var(--primary-bg); }

    /* ===== GOAL PLANNER ===== */
    .goal-section {
      margin-top: 1.5rem;
    }
    .goal-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1.5rem;
    }
    .goal-result-grid {
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 0.75rem;
    }
    .goal-stat {
      background: linear-gradient(135deg, #fffbeb, #fef3c7);
      border: 1px solid #fde68a;
      border-radius: var(--radius);
      padding: 1rem 1.1rem;
      text-align: center;
    }
    .goal-stat .stat-value { font-size: 1.35rem; color: #d97706; }
    .goal-stat .stat-label { color: #92400e; }
    .calc-btn {
      width: 100%;
      height: 46px;
      background: linear-gradient(135deg, var(--amber), var(--amber-dark));
      color: #fff;
      border: none;
      border-radius: 10px;
      font-size: 0.95rem;
      font-weight: 700;
      cursor: pointer;
      font-family: inherit;
      transition: opacity 0.2s, transform 0.15s;
      margin-top: 0.5rem;
      box-shadow: 0 2px 10px rgba(245,158,11,0.25);
    }
    .calc-btn:hover { opacity: 0.92; transform: translateY(-1px); }
    .calc-btn.secondary {
      background: linear-gradient(135deg, var(--primary), var(--primary-light));
      box-shadow: 0 2px 10px rgba(30,64,175,0.2);
    }

    /* ===== FAQ ===== */
    .section-title {
      font-size: 1.5rem;
      font-weight: 900;
      color: var(--gray-900);
      text-align: center;
      margin-bottom: 0.4rem;
      letter-spacing: -0.02em;
    }
    .section-sub {
      font-size: 0.92rem;
      color: var(--gray-500);
      text-align: center;
      margin-bottom: 2rem;
    }

    /* ===== DISCLAIMER ===== */
    .disclaimer {
      max-width: 800px;
      margin: 0 auto;
      background: #fff8ed;
      border: 1px solid #fde68a;
      border-radius: 10px;
      padding: 1rem 1.25rem;
      font-size: 0.8rem;
      color: #78350f;
      line-height: 1.6;
    }
    .disclaimer strong { color: #92400e; }

    /* ===== FOOTER ===== */
    footer {
      background: var(--gray-900);
      color: var(--gray-500);
      text-align: center;
      padding: 1.5rem;
      font-size: 0.8rem;
      margin-top: 3rem;
    }
    footer a { color: var(--gray-300); margin: 0 0.5rem; }
    footer a:hover { color: #fff; }
    .footer-links { margin-bottom: 0.5rem; }

    /* ===== SECTIONS SPACING ===== */
    .section { padding: 2.5rem 1.5rem; }
    .section-alt { background: #fff; }
    .section-inner { max-width: 1140px; margin: 0 auto; }

    /* ===== SHARE MODAL ===== */
    .modal-overlay {
      display: none;
      position: fixed;
      top: 0; left: 0; right: 0; bottom: 0;
      background: rgba(0,0,0,0.5);
      z-index: 200;
      align-items: center;
      justify-content: center;
    }
    .modal-overlay.open { display: flex; }
    .modal {
      background: #fff;
      border-radius: 16px;
      padding: 2rem;
      max-width: 480px;
      width: 90%;
      box-shadow: 0 20px 60px rgba(0,0,0,0.2);
    }
    .modal h3 {
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--gray-900);
      margin-bottom: 1rem;
    }
    .modal-close {
      float: right;
      background: none;
      border: none;
      font-size: 1.2rem;
      cursor: pointer;
      color: var(--gray-500);
    }
    .share-preview {
      background: var(--gray-50);
      border-radius: 10px;
      padding: 1rem;
      margin-bottom: 1rem;
      font-size: 0.85rem;
      line-height: 1.6;
      border: 1px solid var(--gray-200);
    }
    .share-btns {
      display: flex;
      gap: 0.5rem;
      flex-wrap: wrap;
    }
    .share-btn {
      flex: 1;
      padding: 0.6rem;
      border-radius: 8px;
      border: 1px solid var(--gray-200);
      background: #fff;
      font-size: 0.82rem;
      font-weight: 600;
      cursor: pointer;
      font-family: inherit;
      transition: all 0.18s;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 0.3rem;
    }
    .share-btn:hover {
      border-color: var(--primary-light);
      background: var(--primary-bg);
    }

    /* ===== PRINT STYLES ===== */
    @media print {
      header, nav, .hero, .scenarios, .ad-slot, .result-actions,
      #goal-planner, .faq-section, .disclaimer, footer,
      .advanced-toggle, .show-more-btn, .calc-btn, .etf-quick-btns,
      .hero-trust, .modal-overlay, .explore-grid { display: none !important; }
      body { background: #fff; }
      .card { box-shadow: none; border: 1px solid #ccc; }
      .calc-grid { grid-template-columns: 1fr; }
      .stat-value { font-size: 1.4rem; }
      .chart-wrap { height: 180px; }
      .section { padding: 1rem; }
    }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 900px) {
      .calc-grid { grid-template-columns: 1fr; }
      .goal-grid { grid-template-columns: 1fr; }
      .goal-result-grid { grid-template-columns: 1fr 1fr; }
      .inline-param-grid { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 600px) {
      .summary-grid { grid-template-columns: 1fr 1fr; }
      .goal-result-grid { grid-template-columns: 1fr; }
      .inline-param-grid { grid-template-columns: 1fr 1fr; }
      .hero { padding: 2rem 1rem 1.5rem; }
      .main-wrap { padding: 1rem; }
      .card { padding: 1.1rem; }
      .hero-trust { gap: 0.6rem; }
      .scenario-btns { gap: 0.4rem; }
      .scenario-btn { padding: 0.5rem 0.8rem; font-size: 0.8rem; }
      .stat-value { font-size: 1.35rem; }
      nav { gap: 1rem; }
      nav a { font-size: 0.82rem; }
    }

/* ===== FAQ ENHANCED (replaces blog) ===== */
.faq-section {
  max-width: 860px;
  margin: 2.5rem auto 0;
  padding: 0 1.5rem 3rem;
}
.faq-section-title {
  font-size: 1.6rem;
  font-weight: 900;
  color: var(--gray-900);
  text-align: center;
  margin-bottom: 0.5rem;
}
.faq-section-sub {
  font-size: 0.95rem;
  color: var(--gray-500);
  text-align: center;
  margin-bottom: 2rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 0.65rem;
  background: #fff;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.faq-item:hover { box-shadow: var(--shadow); }
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--gray-900);
  gap: 1rem;
  user-select: none;
}
.faq-q:hover { color: var(--primary); }
.faq-arrow {
  font-size: 0.7rem;
  color: var(--gray-500);
  transition: transform 0.25s;
  flex-shrink: 0;
}
.faq-a {
  display: none;
  padding: 0 1.25rem 1.1rem;
  font-size: 0.88rem;
  color: var(--gray-700);
  line-height: 1.75;
}
/* FAQ topic group headers */
.faq-topic-header {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
  margin: 2rem 0 0.75rem;
  padding-bottom: 0.4rem;
  border-bottom: 2px solid var(--primary-bg);
}
.faq-topic-header:first-child { margin-top: 0; }

/* ===== LEGAL PAGES (privacy, terms) ===== */
.legal-page {
  max-width: 800px;
  margin: 0 auto;
  padding: 3rem 1.5rem 4rem;
}
.legal-page h1 {
  font-size: 2rem;
  font-weight: 900;
  color: var(--gray-900);
  margin-bottom: 0.5rem;
}
.legal-page .legal-updated {
  font-size: 0.82rem;
  color: var(--gray-500);
  margin-bottom: 2rem;
}
.legal-page h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--gray-900);
  margin: 1.8rem 0 0.6rem;
}
.legal-page p, .legal-page li {
  font-size: 0.92rem;
  color: var(--gray-700);
  line-height: 1.75;
  margin-bottom: 0.6rem;
}
.legal-page ul {
  margin: 0.5rem 0 1rem 1.5rem;
}
.legal-page ul li {
  margin-bottom: 0.4rem;
}
/* Terms: No Advice Disclaimer */
.no-advice-disclaimer {
  color: var(--red);
}
.advice-warning {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: 8px;
  padding: 1rem 1.25rem;
  margin-top: 0.5rem;
}
.advice-warning p {
  color: #991b1b;
  margin-bottom: 0.5rem;
}
.advice-warning ul {
  margin: 0.5rem 0 0.75rem 1.5rem;
}
.advice-warning li {
  color: #991b1b;
  font-size: 0.88rem;
  margin-bottom: 0.3rem;
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--gray-900);
  color: rgba(255,255,255,0.65);
  padding: 2.5rem 1.5rem 1.5rem;
  margin-top: 0;
}
.footer-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 2rem;
}
.footer-col-title {
  font-size: 0.78rem;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
}
.footer-col a {
  display: block;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  padding: 0.25rem 0;
  transition: color 0.2s;
}
.footer-col a:hover { color: #fff; }
.footer-bottom {
  max-width: 1140px;
  margin: 1.5rem auto 0;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.78rem;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  margin-top: 0.5rem;
  line-height: 1.5;
}

@media (max-width: 600px) {
  .footer-inner { grid-template-columns: 1fr; gap: 1.2rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ===== SEO LANDING PAGE STYLES ===== */
.seo-h2 {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--gray-900);
  margin: 2.5rem 0 0.85rem;
  letter-spacing: -0.01em;
  line-height: 1.3;
}
.seo-p {
  font-size: 0.95rem;
  color: var(--gray-700);
  line-height: 1.8;
  margin-bottom: 1rem;
}
.seo-list {
  margin: 0.75rem 0 1.25rem 1.5rem;
  font-size: 0.92rem;
  color: var(--gray-700);
  line-height: 1.85;
}
.seo-list li {
  margin-bottom: 0.5rem;
}

/* Formula box */
.seo-formula-box {
  background: linear-gradient(135deg, var(--primary-bg), #e0f2fe);
  border: 1px solid rgba(59,130,246,0.2);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  text-align: center;
  font-size: 1.05rem;
  color: var(--primary-dark);
  line-height: 1.8;
  margin: 1rem 0 1.5rem;
}

/* Highlight box */
.seo-highlight-box {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin: 1.5rem 0;
  box-shadow: var(--shadow);
}
.seo-highlight-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.65rem;
}
.seo-highlight-box p {
  font-size: 0.92rem;
  color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

/* Compare grid (DRIP vs Non-DRIP) */
.seo-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 1rem 0 0.5rem;
}
.seo-compare-item {
  border-radius: 10px;
  padding: 1.1rem;
  text-align: center;
}
.seo-compare-item.drip {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
}
.seo-compare-item.no-drip {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
}
.seo-compare-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.35rem;
}
.seo-compare-item.no-drip .seo-compare-label {
  color: var(--gray-500);
}
.seo-compare-value {
  font-size: 1.65rem;
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 0.25rem;
}
.seo-compare-sub {
  font-size: 0.78rem;
  opacity: 0.8;
}
.seo-compare-item.no-drip .seo-compare-sub {
  color: var(--gray-500);
  opacity: 1;
}

/* Comparison table */
.seo-comparison-table {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  margin: 1rem 0 1.5rem;
}
.seo-table-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  padding: 0.7rem 1rem;
  font-size: 0.88rem;
  border-bottom: 1px solid var(--gray-100);
}
.seo-table-row:last-child { border-bottom: none; }
.seo-table-row.header {
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  font-size: 0.82rem;
}
.seo-table-row:not(.header):nth-child(even) {
  background: var(--gray-50);
}
.seo-table-row div:not(:first-child) {
  text-align: center;
  font-weight: 600;
}
/* 4-column variant for passive-income page */
.seo-comparison-table.four-col .seo-table-row {
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
}

/* Yield grid */
.seo-yield-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0.6rem;
  margin: 0.75rem 0;
}
.seo-yield-item {
  text-align: center;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 0.75rem 0.5rem;
}
.seo-yield-pct {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary);
}
.seo-yield-val {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gray-700);
  margin-top: 0.2rem;
}

/* ETF cards */
.seo-etf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 1rem 0 1.5rem;
}
.seo-etf-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 1.1rem;
  box-shadow: var(--shadow);
  transition: box-shadow 0.2s;
}
.seo-etf-card:hover { box-shadow: var(--shadow-lg); }
.seo-etf-ticker {
  font-size: 1.15rem;
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 0.15rem;
}
.seo-etf-name {
  font-size: 0.78rem;
  color: var(--gray-500);
  margin-bottom: 0.4rem;
  line-height: 1.4;
}
.seo-etf-yield {
  display: inline-block;
  background: var(--green-bg);
  color: var(--green-dark);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 2px 10px;
  border-radius: 999px;
  margin-bottom: 0.5rem;
}
.seo-etf-desc {
  font-size: 0.84rem;
  color: var(--gray-700);
  line-height: 1.55;
}

/* FIRE cards */
.seo-fire-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 1rem 0 1.5rem;
}
.seo-fire-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-align: center;
  box-shadow: var(--shadow);
}
.seo-fire-icon {
  font-size: 1.8rem;
  margin-bottom: 0.5rem;
}
.seo-fire-title {
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--gray-900);
  margin-bottom: 0.35rem;
}
.seo-fire-desc {
  font-size: 0.82rem;
  color: var(--gray-500);
  line-height: 1.55;
}

/* CTA box */
.seo-cta-box {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 16px;
  padding: 2rem;
  text-align: center;
  margin: 2rem 0 1rem;
}
.seo-cta-title {
  font-size: 1.3rem;
  font-weight: 900;
  color: #fff;
  margin-bottom: 0.5rem;
}
.seo-cta-text {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.65;
  margin-bottom: 1rem;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}

/* Related tools */
.seo-related {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--gray-200);
}
.seo-related-title {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.65rem;
}
.seo-related-links {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}
.seo-related-links a {
  display: inline-block;
  padding: 0.45rem 1rem;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  transition: all 0.2s;
  background: #fff;
}
.seo-related-links a:hover {
  border-color: var(--primary-light);
  background: var(--primary-bg);
  box-shadow: var(--shadow);
}

/* Responsive: SEO pages */
@media (max-width: 700px) {
  .seo-compare-grid { grid-template-columns: 1fr; }
  .seo-yield-grid { grid-template-columns: repeat(3, 1fr); }
  .seo-etf-grid { grid-template-columns: 1fr; }
  .seo-fire-grid { grid-template-columns: 1fr; }
  .seo-table-row { grid-template-columns: 1.3fr 1fr 1fr; font-size: 0.82rem; }
  .seo-comparison-table.four-col .seo-table-row { grid-template-columns: 1.2fr 1fr 1fr 1fr; font-size: 0.78rem; }
}
@media (max-width: 500px) {
  .seo-yield-grid { grid-template-columns: repeat(2, 1fr); }
  .seo-comparison-table.four-col .seo-table-row { grid-template-columns: 1fr 1fr; }
}

/* ===== EXPLORE MORE (Hub-and-Spoke) ===== */
.explore-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.explore-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-align: center;
  transition: all 0.2s;
  box-shadow: var(--shadow);
  display: block;
  text-decoration: none;
  color: inherit;
}
.explore-card:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}
.explore-icon {
  font-size: 2rem;
  margin-bottom: 0.65rem;
}
.explore-title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--gray-900);
  margin-bottom: 0.4rem;
}
.explore-desc {
  font-size: 0.84rem;
  color: var(--gray-500);
  line-height: 1.6;
}

@media (max-width: 700px) {
  .explore-grid { grid-template-columns: 1fr; }
}

/* Screen reader only */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}