/* ============================================================
   fin.adecoder.com — Design System & Styles
   Zero frameworks. Pure CSS3 with custom properties.
   WCAG 2.1 AA compliant. Fluid responsive.
   ============================================================ */

/* ---------- DESIGN TOKENS ---------- */
:root {
  /* Brand Colors */
  --color-primary: #0066FF;
  --color-primary-hover: #0052CC;
  --color-primary-light: #E6F0FF;
  --color-primary-dark: #004DB3;
  --color-secondary: #00C896;
  --color-secondary-hover: #00A87D;
  --color-accent: #FF6B35;

  /* Neutral Palette */
  --color-gray-50: #F8FAFC;
  --color-gray-100: #F1F5F9;
  --color-gray-200: #E2E8F0;
  --color-gray-300: #CBD5E1;
  --color-gray-400: #94A3B8;
  --color-gray-500: #64748B;
  --color-gray-600: #475569;
  --color-gray-700: #334155;
  --color-gray-800: #1E293B;
  --color-gray-900: #0F172A;

  /* Semantic Colors */
  --color-success: #10B981;
  --color-warning: #F59E0B;
  --color-error: #EF4444;
  --color-info: #3B82F6;

  /* Surface Colors (Light Mode) */
  --surface-bg: #FFFFFF;
  --surface-secondary: var(--color-gray-50);
  --surface-tertiary: var(--color-gray-100);
  --surface-border: var(--color-gray-200);
  --surface-elevated: #FFFFFF;

  /* Text Colors (Light Mode) */
  --text-primary: var(--color-gray-900);
  --text-secondary: var(--color-gray-600);
  --text-tertiary: var(--color-gray-400);
  --text-inverse: #FFFFFF;

  /* Typography — System Font Stack */
  --font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, Roboto, 'Helvetica Neue', Arial, sans-serif;
  --font-mono: 'SF Mono', 'Cascadia Code', 'Fira Code', Consolas, monospace;

  /* Fluid Type Scale */
  --text-xs: clamp(0.694rem, 0.3vw + 0.6rem, 0.75rem);
  --text-sm: clamp(0.8rem, 0.4vw + 0.7rem, 0.875rem);
  --text-base: clamp(0.9rem, 0.5vw + 0.8rem, 1rem);
  --text-lg: clamp(1rem, 0.6vw + 0.9rem, 1.125rem);
  --text-xl: clamp(1.125rem, 0.8vw + 1rem, 1.25rem);
  --text-2xl: clamp(1.25rem, 1.2vw + 1rem, 1.5rem);
  --text-3xl: clamp(1.5rem, 2vw + 1rem, 1.875rem);
  --text-4xl: clamp(1.875rem, 3vw + 1rem, 2.25rem);
  --text-5xl: clamp(2.25rem, 5vw + 1rem, 3rem);
  --text-hero: clamp(2.5rem, 7vw, 3.75rem);

  /* Font Weights */
  --font-normal: 400;
  --font-medium: 500;
  --font-semibold: 600;
  --font-bold: 700;
  --font-extrabold: 800;

  /* Line Heights */
  --leading-tight: 1.2;
  --leading-snug: 1.375;
  --leading-normal: 1.6;
  --leading-relaxed: 1.75;

  /* Spacing Scale */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Border Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-2xl: 1.5rem;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.04);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.05);
  --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.18);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,102,255,0.15), 0 8px 16px -4px rgba(0,0,0,0.06);

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4,0,0.2,1);
  --transition-base: 250ms cubic-bezier(0.4,0,0.2,1);
  --transition-slow: 350ms cubic-bezier(0.4,0,0.2,1);
  --transition-spring: 500ms cubic-bezier(0.34,1.56,0.64,1);

  /* Layout */
  --container-max: 1200px;
  --container-narrow: 800px;
  --header-height: 72px;
  --sidebar-width: 280px;

  /* Z-Index Scale */
  --z-dropdown: 100;
  --z-sticky: 200;
  --z-overlay: 300;
  --z-modal: 400;
  --z-toast: 500;
}

/* ---------- DARK MODE TOKENS ---------- */
[data-theme="dark"] {
  --surface-bg: #0F172A;
  --surface-secondary: #1E293B;
  --surface-tertiary: #283548;
  --surface-border: #334155;
  --surface-elevated: #1E293B;
  --text-primary: #F1F5F9;
  --text-secondary: #94A3B8;
  --text-tertiary: #64748B;
  --color-primary-light: #1E3A5F;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.4), 0 2px 4px -2px rgba(0,0,0,0.3);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.5), 0 4px 6px -4px rgba(0,0,0,0.3);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.5), 0 8px 10px -6px rgba(0,0,0,0.3);
  --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.6);
  --shadow-card-hover: 0 20px 40px -8px rgba(0,102,255,0.25), 0 8px 16px -4px rgba(0,0,0,0.3);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --surface-bg: #0F172A;
    --surface-secondary: #1E293B;
    --surface-tertiary: #283548;
    --surface-border: #334155;
    --surface-elevated: #1E293B;
    --text-primary: #F1F5F9;
    --text-secondary: #94A3B8;
    --text-tertiary: #64748B;
    --color-primary-light: #1E3A5F;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.3);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.4), 0 2px 4px -2px rgba(0,0,0,0.3);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.5), 0 4px 6px -4px rgba(0,0,0,0.3);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.5), 0 8px 10px -6px rgba(0,0,0,0.3);
    --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.6);
    --shadow-card-hover: 0 20px 40px -8px rgba(0,102,255,0.25), 0 8px 16px -4px rgba(0,0,0,0.3);
  }
}

/* ---------- REDUCED MOTION ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- CSS RESET ---------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  hanging-punctuation: first last;
}

body {
  font-family: var(--font-family);
  font-size: var(--text-base);
  line-height: var(--leading-normal);
  color: var(--text-primary);
  background-color: var(--surface-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  min-height: 100vh;
}

img, picture, video, canvas, svg {
  display: block;
  max-width: 100%;
  height: auto;
}

input, button, textarea, select {
  font: inherit;
  color: inherit;
}

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-primary-hover);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
  border-radius: var(--radius-sm);
}

h1, h2, h3, h4, h5, h6 {
  line-height: var(--leading-tight);
  font-weight: var(--font-bold);
  color: var(--text-primary);
  text-wrap: balance;
}

p {
  text-wrap: pretty;
  max-width: 72ch;
}

ul, ol {
  list-style: none;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

/* ---------- UTILITY CLASSES ---------- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: var(--space-6);
}

.container--narrow {
  max-width: var(--container-narrow);
}

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

.section {
  padding-block: clamp(3rem, 8vw, 6rem);
}

.section__header {
  text-align: center;
  margin-bottom: var(--space-12);
}

.section__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-4);
  background: var(--color-primary-light);
  color: var(--color-primary);
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-4);
  letter-spacing: 0.02em;
}

.section__title {
  font-size: var(--text-4xl);
  margin-bottom: var(--space-4);
}

.section__subtitle {
  font-size: var(--text-lg);
  color: var(--text-secondary);
  max-width: 600px;
  margin-inline: auto;
}

/* ---------- SKIP LINK ---------- */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  padding: var(--space-3) var(--space-6);
  background: var(--color-primary);
  color: var(--text-inverse);
  font-weight: var(--font-semibold);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  z-index: var(--z-toast);
  transition: top var(--transition-fast);
}

.skip-link:focus {
  top: 0;
  color: var(--text-inverse);
}

/* ---------- HEADER / NAV ---------- */
.header {
  position: sticky;
  top: 0;
  z-index: var(--z-sticky);
  background: var(--surface-bg);
  border-bottom: 1px solid var(--surface-border);
  height: var(--header-height);
  transition: box-shadow var(--transition-base);
}

.header--scrolled {
  box-shadow: var(--shadow-md);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.header__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-xl);
  font-weight: var(--font-extrabold);
  color: var(--text-primary);
  text-decoration: none;
}

.header__logo:hover {
  color: var(--text-primary);
}

.header__logo-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: var(--font-extrabold);
  font-size: var(--text-sm);
}

.header__nav {
  display: flex;
  align-items: center;
  gap: var(--space-8);
}

.header__nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-6);
}

.header__nav-link {
  font-size: var(--text-sm);
  font-weight: var(--font-medium);
  color: var(--text-secondary);
  transition: color var(--transition-fast);
  padding: var(--space-2) 0;
  position: relative;
}

.header__nav-link:hover,
.header__nav-link--active {
  color: var(--color-primary);
}

.header__nav-link--active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--color-primary);
  border-radius: var(--radius-full);
}

.header__actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

/* Theme Toggle */
.theme-toggle {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--surface-tertiary);
  color: var(--text-secondary);
  transition: background var(--transition-fast), color var(--transition-fast);
  border: 1px solid var(--surface-border);
}

.theme-toggle:hover {
  background: var(--color-primary-light);
  color: var(--color-primary);
}

.theme-toggle__icon--dark,
[data-theme="dark"] .theme-toggle__icon--light {
  display: none;
}

[data-theme="dark"] .theme-toggle__icon--dark {
  display: block;
}

/* Mobile Menu Toggle */
.header__menu-btn {
  display: none;
  width: 40px;
  height: 40px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
}

.header__menu-btn span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text-primary);
  border-radius: var(--radius-full);
  transition: transform var(--transition-base), opacity var(--transition-base);
}

.header__menu-btn--open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.header__menu-btn--open span:nth-child(2) {
  opacity: 0;
}

.header__menu-btn--open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

@media (max-width: 768px) {
  .header__menu-btn {
    display: flex;
  }

  .header__nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--surface-bg);
    flex-direction: column;
    align-items: stretch;
    padding: var(--space-6);
    gap: var(--space-4);
    transform: translateX(100%);
    transition: transform var(--transition-base);
    z-index: var(--z-overlay);
    overflow-y: auto;
  }

  .header__nav--open {
    transform: translateX(0);
  }

  .header__nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .header__nav-link {
    padding: var(--space-4);
    font-size: var(--text-lg);
    border-bottom: 1px solid var(--surface-border);
  }

  .header__nav-link--active::after {
    display: none;
  }

  .header__actions {
    padding-top: var(--space-4);
    border-top: 1px solid var(--surface-border);
    justify-content: center;
  }
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  border-radius: var(--radius-lg);
  transition: all var(--transition-fast);
  white-space: nowrap;
  border: 2px solid transparent;
  text-decoration: none;
  line-height: 1.4;
}

.btn--primary {
  background: var(--color-primary);
  color: var(--text-inverse);
}

.btn--primary:hover {
  background: var(--color-primary-hover);
  color: var(--text-inverse);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(0,102,255,0.3);
}

.btn--secondary {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn--secondary:hover {
  background: var(--color-primary-light);
  color: var(--color-primary);
}

.btn--ghost {
  background: transparent;
  color: var(--text-secondary);
}

.btn--ghost:hover {
  background: var(--surface-tertiary);
  color: var(--text-primary);
}

.btn--lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
  border-radius: var(--radius-xl);
}

.btn--sm {
  padding: var(--space-2) var(--space-4);
  font-size: var(--text-xs);
}

.btn--icon {
  width: 40px;
  height: 40px;
  padding: 0;
}

.btn--success {
  background: var(--color-success);
  color: var(--text-inverse);
}

.btn--success:hover {
  background: #059669;
  color: var(--text-inverse);
}

/* ---------- HERO SECTION ---------- */
.hero {
  position: relative;
  padding-top: clamp(3rem, 8vw, 6rem);
  padding-bottom: clamp(3rem, 8vw, 6rem);
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: -1;
  overflow: hidden;
}

.hero__bg-gradient {
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  filter: blur(120px);
  opacity: 0.12;
}

.hero__bg-gradient--1 {
  top: -200px;
  right: -100px;
  background: var(--color-primary);
}

.hero__bg-gradient--2 {
  bottom: -200px;
  left: -100px;
  background: var(--color-secondary);
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

.hero__content {
  position: relative;
  z-index: 1;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  background: var(--color-primary-light);
  color: var(--color-primary);
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-6);
}

.hero__badge-dot {
  width: 6px;
  height: 6px;
  background: var(--color-success);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

.hero__title {
  font-size: var(--text-hero);
  font-weight: var(--font-extrabold);
  line-height: 1.1;
  margin-bottom: var(--space-6);
  letter-spacing: -0.02em;
}

.hero__title-highlight {
  background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero__subtitle {
  font-size: var(--text-lg);
  color: var(--text-secondary);
  margin-bottom: var(--space-8);
  max-width: 520px;
  line-height: var(--leading-relaxed);
}

.hero__ctas {
  display: flex;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
  flex-wrap: wrap;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  flex-wrap: wrap;
}

.hero__trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: var(--text-secondary);
}

.hero__trust-icon {
  color: var(--color-success);
}

/* Hero Visual Side */
.hero__visual {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero__stats-card {
  background: var(--surface-elevated);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-2xl);
  width: 100%;
  max-width: 420px;
}

[data-theme="dark"] .hero__stats-card {
  background: rgba(30,41,59,0.8);
}

.hero__stats-card-title {
  font-size: var(--text-sm);
  color: var(--text-tertiary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-6);
}

.hero__stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
}

.hero__stat {
  text-align: center;
  padding: var(--space-4);
  background: var(--surface-secondary);
  border-radius: var(--radius-lg);
}

.hero__stat-value {
  font-size: var(--text-3xl);
  font-weight: var(--font-extrabold);
  color: var(--color-primary);
  margin-bottom: var(--space-1);
}

.hero__stat-label {
  font-size: var(--text-xs);
  color: var(--text-tertiary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero__floating-badge {
  position: absolute;
  background: var(--surface-elevated);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  padding: var(--space-3) var(--space-5);
  box-shadow: var(--shadow-lg);
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  animation: float 6s ease-in-out infinite;
}

.hero__floating-badge--1 {
  top: 10%;
  left: -10%;
  animation-delay: 0s;
}

.hero__floating-badge--2 {
  bottom: 15%;
  right: -5%;
  animation-delay: -3s;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@media (max-width: 768px) {
  .hero__inner {
    grid-template-columns: 1fr;
    gap: var(--space-10);
    text-align: center;
  }

  .hero__subtitle {
    margin-inline: auto;
  }

  .hero__ctas {
    justify-content: center;
  }

  .hero__trust {
    justify-content: center;
  }

  .hero__stats-card {
    max-width: 360px;
    margin-inline: auto;
  }

  .hero__floating-badge {
    display: none;
  }
}

/* ---------- TOOLS SECTION ---------- */
.tools {
  background: var(--surface-secondary);
}

.tools__search-bar {
  display: flex;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
  flex-wrap: wrap;
}

.tools__search-input {
  flex: 1;
  min-width: 200px;
  padding: var(--space-3) var(--space-5);
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-lg);
  font-size: var(--text-sm);
  color: var(--text-primary);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.tools__search-input::placeholder {
  color: var(--text-tertiary);
}

.tools__search-input:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(0,102,255,0.1);
  outline: none;
}

.tools__filter-tabs {
  display: flex;
  gap: var(--space-2);
  flex-wrap: wrap;
}

.tools__filter-tab {
  padding: var(--space-2) var(--space-5);
  font-size: var(--text-sm);
  font-weight: var(--font-medium);
  color: var(--text-secondary);
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-full);
  transition: all var(--transition-fast);
}

.tools__filter-tab:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.tools__filter-tab--active {
  background: var(--color-primary);
  color: var(--text-inverse);
  border-color: var(--color-primary);
}

.tools__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--space-6);
}

/* Tool Card */
.tool-card {
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  cursor: pointer;
  transition: transform var(--transition-base), box-shadow var(--transition-base);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  position: relative;
  overflow: hidden;
}

.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
}

.tool-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-secondary));
  opacity: 0;
  transition: opacity var(--transition-base);
}

.tool-card:hover::before {
  opacity: 1;
}

.tool-card__icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.tool-card__icon--basic {
  background: #E6F0FF;
  color: var(--color-primary);
}

.tool-card__icon--mid {
  background: #E6FFF5;
  color: var(--color-secondary);
}

.tool-card__icon--advanced {
  background: #FFF0E6;
  color: var(--color-accent);
}

[data-theme="dark"] .tool-card__icon--basic {
  background: rgba(0,102,255,0.15);
}

[data-theme="dark"] .tool-card__icon--mid {
  background: rgba(0,200,150,0.15);
}

[data-theme="dark"] .tool-card__icon--advanced {
  background: rgba(255,107,53,0.15);
}

.tool-card__title {
  font-size: var(--text-lg);
  font-weight: var(--font-semibold);
}

.tool-card__desc {
  font-size: var(--text-sm);
  color: var(--text-secondary);
  line-height: var(--leading-normal);
  flex: 1;
}

.tool-card__tag {
  display: inline-block;
  padding: var(--space-1) var(--space-3);
  font-size: var(--text-xs);
  font-weight: var(--font-medium);
  border-radius: var(--radius-full);
  align-self: flex-start;
}

.tool-card__tag--basic {
  background: #E6F0FF;
  color: var(--color-primary);
}

.tool-card__tag--mid {
  background: #E6FFF5;
  color: #00875A;
}

.tool-card__tag--advanced {
  background: #FFF0E6;
  color: #CC4400;
}

[data-theme="dark"] .tool-card__tag--basic {
  background: rgba(0,102,255,0.15);
}

[data-theme="dark"] .tool-card__tag--mid {
  background: rgba(0,200,150,0.15);
}

[data-theme="dark"] .tool-card__tag--advanced {
  background: rgba(255,107,53,0.15);
}

.tool-card__footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: var(--space-3);
  border-top: 1px solid var(--surface-border);
}

.tool-card__cta {
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.tool-card__cta-arrow {
  transition: transform var(--transition-fast);
}

.tool-card:hover .tool-card__cta-arrow {
  transform: translateX(4px);
}

.tools__no-results {
  grid-column: 1 / -1;
  text-align: center;
  padding: var(--space-16) var(--space-6);
  color: var(--text-tertiary);
  font-size: var(--text-lg);
}

/* ---------- FEATURES SECTION ---------- */
.features__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-8);
}

.feature-card {
  text-align: center;
  padding: var(--space-8);
  border-radius: var(--radius-xl);
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}

.feature-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.feature-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-xl);
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-inline: auto;
  margin-bottom: var(--space-5);
}

.feature-card__title {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
}

.feature-card__desc {
  font-size: var(--text-sm);
  color: var(--text-secondary);
  margin-inline: auto;
}

/* ---------- HOW IT WORKS ---------- */
.how-it-works {
  background: var(--surface-secondary);
}

.how-it-works__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  position: relative;
}

.how-it-works__steps::before {
  content: '';
  position: absolute;
  top: 44px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-secondary));
  z-index: 0;
}

.how-it-works__step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.how-it-works__step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--text-inverse);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-xl);
  font-weight: var(--font-bold);
  margin-inline: auto;
  margin-bottom: var(--space-5);
  box-shadow: 0 4px 15px rgba(0,102,255,0.3);
}

.how-it-works__step-icon {
  font-size: 1.3rem;
}

.how-it-works__step-title {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
}

.how-it-works__step-desc {
  font-size: var(--text-sm);
  color: var(--text-secondary);
  margin-inline: auto;
}

@media (max-width: 640px) {
  .how-it-works__steps {
    grid-template-columns: 1fr;
    gap: var(--space-10);
  }

  .how-it-works__steps::before {
    top: 0;
    bottom: 0;
    left: 27px;
    right: auto;
    width: 2px;
    height: auto;
  }

  .how-it-works__step {
    text-align: left;
    padding-left: 80px;
  }

  .how-it-works__step-number {
    position: absolute;
    left: 0;
    top: 0;
    margin: 0;
  }
}

/* ---------- SEO CONTENT BLOCK ---------- */
.seo-content {
  background: var(--surface-bg);
}

.seo-content__body {
  max-width: 800px;
  margin-inline: auto;
}

.seo-content__body h2 {
  font-size: var(--text-3xl);
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
}

.seo-content__body h3 {
  font-size: var(--text-2xl);
  margin-top: var(--space-8);
  margin-bottom: var(--space-3);
}

.seo-content__body p {
  color: var(--text-secondary);
  margin-bottom: var(--space-5);
  line-height: var(--leading-relaxed);
  max-width: none;
}

/* ---------- TESTIMONIALS ---------- */
.testimonials {
  background: var(--surface-secondary);
}

.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-6);
}

.testimonial-card {
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
}

.testimonial-card__stars {
  display: flex;
  gap: 2px;
  margin-bottom: var(--space-4);
  color: #FBBF24;
  font-size: var(--text-lg);
}

.testimonial-card__text {
  font-size: var(--text-base);
  color: var(--text-secondary);
  line-height: var(--leading-relaxed);
  margin-bottom: var(--space-5);
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: var(--font-bold);
  font-size: var(--text-sm);
}

.testimonial-card__name {
  font-weight: var(--font-semibold);
  font-size: var(--text-sm);
}

.testimonial-card__role {
  font-size: var(--text-xs);
  color: var(--text-tertiary);
}

/* ---------- FAQ ---------- */
.faq__list {
  max-width: 800px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq__item {
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq__item--open {
  border-color: var(--color-primary);
}

.faq__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: var(--space-5) var(--space-6);
  text-align: left;
  font-size: var(--text-base);
  font-weight: var(--font-semibold);
  color: var(--text-primary);
  background: none;
  border: none;
  cursor: pointer;
  gap: var(--space-4);
}

.faq__question:hover {
  color: var(--color-primary);
}

.faq__icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  transition: transform var(--transition-base);
}

.faq__item--open .faq__icon {
  transform: rotate(180deg);
}

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow), padding var(--transition-slow);
}

.faq__answer-inner {
  padding: 0 var(--space-6) var(--space-5);
  font-size: var(--text-sm);
  color: var(--text-secondary);
  line-height: var(--leading-relaxed);
}

/* ---------- CTA BANNER ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--color-primary), #0052CC);
  color: white;
  border-radius: var(--radius-2xl);
  padding: clamp(2rem, 5vw, 4rem);
  text-align: center;
  margin: clamp(2rem, 5vw, 4rem) auto;
  max-width: var(--container-max);
  margin-inline: var(--space-6);
}

@media (min-width: 1248px) {
  .cta-banner {
    margin-inline: auto;
  }
}

.cta-banner__title {
  font-size: var(--text-4xl);
  color: white;
  margin-bottom: var(--space-4);
}

.cta-banner__desc {
  font-size: var(--text-lg);
  opacity: 0.9;
  margin-bottom: var(--space-8);
  max-width: 600px;
  margin-inline: auto;
}

.cta-banner .btn--primary {
  background: white;
  color: var(--color-primary);
}

.cta-banner .btn--primary:hover {
  background: var(--color-gray-100);
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

/* ---------- FOOTER ---------- */
.footer {
  background: var(--color-gray-900);
  color: var(--color-gray-300);
  padding-top: var(--space-16);
  padding-bottom: var(--space-8);
}

[data-theme="dark"] .footer {
  background: #070D1A;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}

.footer__brand-desc {
  font-size: var(--text-sm);
  color: var(--color-gray-400);
  margin-top: var(--space-4);
  line-height: var(--leading-relaxed);
  max-width: 300px;
}

.footer__heading {
  font-size: var(--text-sm);
  font-weight: var(--font-semibold);
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-5);
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer__link {
  font-size: var(--text-sm);
  color: var(--color-gray-400);
  transition: color var(--transition-fast);
}

.footer__link:hover {
  color: white;
}

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: var(--space-8);
  border-top: 1px solid var(--color-gray-800);
  font-size: var(--text-xs);
  color: var(--color-gray-500);
  flex-wrap: wrap;
  gap: var(--space-4);
}

@media (max-width: 768px) {
  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .footer__grid {
    grid-template-columns: 1fr;
  }
}

/* ---------- MODAL / DRAWER ---------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  backdrop-filter: blur(4px);
  z-index: var(--z-modal);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-4);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-base), visibility var(--transition-base);
}

.modal-overlay--open {
  opacity: 1;
  visibility: visible;
}

.modal {
  background: var(--surface-bg);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-2xl);
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transform: translateY(20px) scale(0.97);
  transition: transform var(--transition-base);
}

.modal-overlay--open .modal {
  transform: translateY(0) scale(1);
}

.modal__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-5) var(--space-6);
  border-bottom: 1px solid var(--surface-border);
  flex-shrink: 0;
}

.modal__title {
  font-size: var(--text-xl);
  font-weight: var(--font-bold);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.modal__close {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-tertiary);
  transition: background var(--transition-fast), color var(--transition-fast);
}

.modal__close:hover {
  background: var(--surface-tertiary);
  color: var(--text-primary);
}

.modal__body {
  padding: var(--space-6);
  overflow-y: auto;
  flex: 1;
}

.modal__footer {
  display: flex;
  justify-content: flex-end;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-6);
  border-top: 1px solid var(--surface-border);
  flex-shrink: 0;
}

/* Tool Form Controls */
.form-group {
  margin-bottom: var(--space-5);
}

.form-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: var(--font-medium);
  color: var(--text-primary);
  margin-bottom: var(--space-2);
}

.form-label__hint {
  font-weight: var(--font-normal);
  color: var(--text-tertiary);
}

.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  background: var(--surface-secondary);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  color: var(--text-primary);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(0,102,255,0.1);
  outline: none;
}

.form-input--error {
  border-color: var(--color-error);
}

.form-input--error:focus {
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}

.form-error {
  font-size: var(--text-xs);
  color: var(--color-error);
  margin-top: var(--space-1);
  display: none;
}

.form-error--visible {
  display: block;
}

.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%2364748B' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}

.form-textarea {
  resize: vertical;
  min-height: 100px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

@media (max-width: 480px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

/* Results Display */
.result-panel {
  background: var(--color-primary-light);
  border: 1px solid var(--color-primary);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  margin-top: var(--space-5);
}

.result-panel__title {
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  font-weight: var(--font-semibold);
  margin-bottom: var(--space-4);
}

.result-panel__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--space-2) 0;
  border-bottom: 1px solid rgba(0,102,255,0.1);
}

.result-panel__row:last-child {
  border-bottom: none;
}

.result-panel__label {
  font-size: var(--text-sm);
  color: var(--text-secondary);
}

.result-panel__value {
  font-size: var(--text-lg);
  font-weight: var(--font-bold);
  color: var(--text-primary);
  font-variant-numeric: tabular-nums;
}

.result-panel__value--highlight {
  color: var(--color-primary);
  font-size: var(--text-2xl);
}

/* Table for amortization, etc */
.result-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--space-4);
  font-size: var(--text-sm);
}

.result-table th,
.result-table td {
  padding: var(--space-2) var(--space-3);
  text-align: right;
  border-bottom: 1px solid var(--surface-border);
}

.result-table th {
  font-weight: var(--font-semibold);
  color: var(--text-tertiary);
  font-size: var(--text-xs);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: sticky;
  top: 0;
  background: var(--surface-bg);
}

.result-table th:first-child,
.result-table td:first-child {
  text-align: left;
}

.result-table__scroll {
  max-height: 300px;
  overflow-y: auto;
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-md);
}

/* SVG Donut Chart */
.chart-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-6);
  flex-wrap: wrap;
  margin-top: var(--space-4);
}

.chart-container svg {
  width: 180px;
  height: 180px;
}

.chart-legend {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.chart-legend__item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: var(--text-secondary);
}

.chart-legend__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

/* Score meter */
.score-meter {
  width: 100%;
  max-width: 300px;
  margin-inline: auto;
  text-align: center;
  padding: var(--space-5);
}

.score-meter__ring {
  width: 160px;
  height: 160px;
  margin-inline: auto;
  margin-bottom: var(--space-4);
}

.score-meter__value {
  font-size: var(--text-4xl);
  font-weight: var(--font-extrabold);
}

.score-meter__grade {
  font-size: var(--text-xl);
  font-weight: var(--font-bold);
  margin-top: var(--space-2);
}

/* Chat UI for AI Advisor */
.chat-container {
  display: flex;
  flex-direction: column;
  height: 400px;
}

.chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: var(--space-4);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.chat-message {
  max-width: 85%;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-lg);
  font-size: var(--text-sm);
  line-height: var(--leading-normal);
  animation: msg-in 0.3s ease;
}

@keyframes msg-in {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.chat-message--user {
  align-self: flex-end;
  background: var(--color-primary);
  color: white;
  border-bottom-right-radius: var(--radius-sm);
}

.chat-message--bot {
  align-self: flex-start;
  background: var(--surface-tertiary);
  color: var(--text-primary);
  border-bottom-left-radius: var(--radius-sm);
}

.chat-prompts {
  display: flex;
  gap: var(--space-2);
  flex-wrap: wrap;
  padding: var(--space-3) var(--space-4);
  border-top: 1px solid var(--surface-border);
}

.chat-prompt-btn {
  padding: var(--space-1) var(--space-3);
  font-size: var(--text-xs);
  background: var(--surface-tertiary);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-full);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.chat-prompt-btn:hover {
  background: var(--color-primary-light);
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.chat-input-row {
  display: flex;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-4);
  border-top: 1px solid var(--surface-border);
}

.chat-input-row input {
  flex: 1;
}

/* ---------- CONTACT PAGE ---------- */
.contact-page {
  padding-top: var(--space-12);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: start;
}

.contact-info__item {
  display: flex;
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}

.contact-info__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-lg);
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info__label {
  font-size: var(--text-sm);
  color: var(--text-tertiary);
  margin-bottom: var(--space-1);
}

.contact-info__value {
  font-weight: var(--font-semibold);
}

.contact-form {
  background: var(--surface-bg);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.contact-form__success {
  display: none;
  text-align: center;
  padding: var(--space-8);
}

.contact-form__success--visible {
  display: block;
}

.contact-form__success-icon {
  font-size: 3rem;
  margin-bottom: var(--space-4);
}

@media (max-width: 768px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }
}

/* ---------- ABOUT PAGE ---------- */
.about-hero {
  text-align: center;
  padding: clamp(3rem, 8vw, 6rem) 0;
}

.about-hero__title {
  font-size: var(--text-hero);
  margin-bottom: var(--space-6);
}

.about-hero__desc {
  font-size: var(--text-lg);
  color: var(--text-secondary);
  max-width: 600px;
  margin-inline: auto;
}

.about-section {
  padding: var(--space-16) 0;
}

.about-values {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: var(--space-6);
}

.about-value-card {
  padding: var(--space-6);
  background: var(--surface-secondary);
  border-radius: var(--radius-xl);
  border: 1px solid var(--surface-border);
}

.about-value-card__icon {
  font-size: 2rem;
  margin-bottom: var(--space-4);
}

.about-value-card__title {
  font-size: var(--text-xl);
  margin-bottom: var(--space-3);
}

.about-value-card__desc {
  font-size: var(--text-sm);
  color: var(--text-secondary);
  line-height: var(--leading-relaxed);
}

/* ---------- PRIVACY PAGE ---------- */
.legal-content {
  max-width: 800px;
  margin-inline: auto;
  padding: var(--space-12) 0;
}

.legal-content h1 {
  font-size: var(--text-4xl);
  margin-bottom: var(--space-2);
}

.legal-content__date {
  color: var(--text-tertiary);
  font-size: var(--text-sm);
  margin-bottom: var(--space-10);
}

.legal-content h2 {
  font-size: var(--text-2xl);
  margin-top: var(--space-10);
  margin-bottom: var(--space-4);
}

.legal-content p,
.legal-content li {
  color: var(--text-secondary);
  margin-bottom: var(--space-4);
  line-height: var(--leading-relaxed);
  max-width: none;
}

.legal-content ul {
  padding-left: var(--space-6);
  list-style: disc;
}

/* ---------- PAGE HEADER (for subpages) ---------- */
.page-header {
  background: var(--surface-secondary);
  padding: var(--space-12) 0 var(--space-8);
  text-align: center;
  border-bottom: 1px solid var(--surface-border);
}

.page-header__title {
  font-size: var(--text-4xl);
  margin-bottom: var(--space-3);
}

.page-header__desc {
  font-size: var(--text-lg);
  color: var(--text-secondary);
}

/* ---------- BREADCRUMB ---------- */
.breadcrumb {
  padding: var(--space-4) 0;
  font-size: var(--text-sm);
  color: var(--text-tertiary);
}

.breadcrumb a {
  color: var(--text-tertiary);
}

.breadcrumb a:hover {
  color: var(--color-primary);
}

.breadcrumb__separator {
  margin-inline: var(--space-2);
}

/* ---------- BODY SCROLL LOCK ---------- */
body.modal-open {
  overflow: hidden;
}

/* ---------- TOAST ---------- */
.toast {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  background: var(--color-gray-900);
  color: white;
  padding: var(--space-4) var(--space-6);
  border-radius: var(--radius-lg);
  font-size: var(--text-sm);
  box-shadow: var(--shadow-xl);
  z-index: var(--z-toast);
  transform: translateY(120%);
  transition: transform var(--transition-spring);
}

[data-theme="dark"] .toast {
  background: var(--surface-tertiary);
}

.toast--visible {
  transform: translateY(0);
}

/* ---------- PRINT STYLES ---------- */
@media print {
  .header, .footer, .modal-overlay, .toast, .cta-banner {
    display: none !important;
  }

  body {
    color: black;
    background: white;
  }

  .container {
    max-width: 100%;
  }
}

/* ---------- TRANSACTION LIST (expense tracker) ---------- */
.txn-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-top: var(--space-4);
  max-height: 250px;
  overflow-y: auto;
}

.txn-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-3);
  background: var(--surface-secondary);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
}

.txn-item__left {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.txn-item__cat {
  font-size: var(--text-xs);
  color: var(--text-tertiary);
}

.txn-item__right {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.txn-item__amount {
  font-weight: var(--font-semibold);
  font-variant-numeric: tabular-nums;
}

.txn-item__amount--expense {
  color: var(--color-error);
}

.txn-item__amount--income {
  color: var(--color-success);
}

.txn-item__delete {
  width: 24px;
  height: 24px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-tertiary);
  font-size: var(--text-xs);
}

.txn-item__delete:hover {
  background: rgba(239,68,68,0.1);
  color: var(--color-error);
}

/* Debt strategy comparison */
.strategy-comparison {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-4);
}

@media (max-width: 480px) {
  .strategy-comparison {
    grid-template-columns: 1fr;
  }
}

.strategy-card {
  padding: var(--space-4);
  border-radius: var(--radius-lg);
  border: 2px solid var(--surface-border);
  text-align: center;
}

.strategy-card--recommended {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.strategy-card__name {
  font-size: var(--text-sm);
  font-weight: var(--font-bold);
  margin-bottom: var(--space-2);
}

.strategy-card__stat {
  font-size: var(--text-xl);
  font-weight: var(--font-extrabold);
  color: var(--color-primary);
}

.strategy-card__label {
  font-size: var(--text-xs);
  color: var(--text-tertiary);
  margin-top: var(--space-1);
}

/* Risk quiz */
.quiz-option {
  display: block;
  width: 100%;
  text-align: left;
  padding: var(--space-3) var(--space-4);
  margin-bottom: var(--space-2);
  background: var(--surface-secondary);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  color: var(--text-primary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.quiz-option:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.quiz-option--selected {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
  font-weight: var(--font-semibold);
}

.quiz-progress {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

.quiz-progress__bar {
  flex: 1;
  height: 6px;
  background: var(--surface-tertiary);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.quiz-progress__fill {
  height: 100%;
  background: var(--color-primary);
  border-radius: var(--radius-full);
  transition: width var(--transition-base);
}

.quiz-progress__text {
  font-size: var(--text-xs);
  color: var(--text-tertiary);
  white-space: nowrap;
}

/* Action plan items */
.action-plan {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-top: var(--space-4);
}

.action-plan__item {
  display: flex;
  gap: var(--space-3);
  padding: var(--space-3);
  background: var(--surface-secondary);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  align-items: flex-start;
}

.action-plan__icon {
  flex-shrink: 0;
  margin-top: 2px;
}

/* Allocation bar */
.allocation-bar {
  display: flex;
  height: 24px;
  border-radius: var(--radius-full);
  overflow: hidden;
  margin: var(--space-4) 0;
}

.allocation-bar__segment {
  transition: width var(--transition-base);
  min-width: 2px;
}

/* ---------- ANIMATIONS (compositor-only) ---------- */
@keyframes fade-in-up {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll--visible {
  opacity: 1;
  transform: translateY(0);
}