:root {
  --navy-950: #07152e;
  --navy-900: #0b1f3a;
  --navy-800: #12345b;

  --blue-700: #1457d9;
  --blue-600: #1769e0;
  --blue-500: #2f80ed;
  --blue-100: #eaf3ff;
  --blue-50: #f4f9ff;

  --cyan-500: #18b7c9;
  --green-600: #07875f;
  --green-50: #ebfaf4;
  --amber-500: #e99b13;
  --purple-600: #7047c7;

  --text: #132238;
  --muted: #607086;
  --soft: #8b98aa;

  --surface: #ffffff;
  --surface-soft: #f7f9fc;
  --surface-blue: #f2f7ff;

  --border: #e2e8f0;
  --border-strong: #d4ddea;

  --shadow-sm: 0 6px 20px rgba(10, 31, 58, .06);
  --shadow-md: 0 14px 40px rgba(10, 31, 58, .09);
  --shadow-lg: 0 25px 70px rgba(10, 31, 58, .13);

  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 26px;
  --radius-xl: 34px;

  --max-width: 1200px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--surface);
  color: var(--text);
  font-family:
    Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont,
    "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select {
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

.container {
  width: min(calc(100% - 40px), var(--max-width));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -60px;
  z-index: 1000;
  padding: 10px 16px;
  background: var(--navy-950);
  color: #fff;
  border-radius: 8px;
}

.skip-link:focus {
  top: 16px;
}

/* HEADER */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .94);
  border-bottom: 1px solid rgba(226, 232, 240, .9);
  backdrop-filter: blur(16px);
}

.navbar {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.brand-mark {
  width: 38px;
  height: 38px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  color: white;
  font-weight: 900;
  font-size: 20px;
  background:
    linear-gradient(135deg, var(--blue-600), var(--cyan-500));
  box-shadow: 0 8px 20px rgba(23, 105, 224, .22);
}

.brand-name {
  color: var(--navy-950);
  font-size: 21px;
  font-weight: 900;
  letter-spacing: -.6px;
}

.brand-domain {
  color: var(--blue-600);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-left: auto;
}

.main-nav a {
  color: #405269;
  font-size: 14px;
  font-weight: 700;
  transition: color .18s ease;
}

.main-nav a:hover,
.main-nav a:focus-visible {
  color: var(--blue-600);
}

.country-button {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--navy-900);
  padding: 9px 13px;
  border-radius: 12px;
  font-weight: 750;
  cursor: pointer;
}

.mobile-menu-button {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--border);
  border-radius: 11px;
  background: #fff;
  color: var(--navy-900);
  cursor: pointer;
}

/* HERO */

.hero {
  position: relative;
  overflow: hidden;
  padding: 94px 0 74px;
  background:
    radial-gradient(circle at 80% 10%, rgba(47,128,237,.12), transparent 27%),
    radial-gradient(circle at 15% 80%, rgba(24,183,201,.10), transparent 25%),
    linear-gradient(180deg, #fbfdff 0%, #f6faff 100%);
  border-bottom: 1px solid #edf2f7;
}

.hero::before {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  border: 1px solid rgba(23, 105, 224, .07);
  border-radius: 50%;
  right: -240px;
  top: -280px;
}

.hero-inner {
  position: relative;
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 12px;
  color: var(--blue-700);
  background: var(--blue-100);
  border: 1px solid #d8e9ff;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .07em;
  text-transform: uppercase;
}

.eyebrow-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--blue-600);
}

.hero h1 {
  margin: 24px auto 20px;
  max-width: 820px;
  color: var(--navy-950);
  font-size: clamp(42px, 6.5vw, 72px);
  line-height: 1.02;
  letter-spacing: -3.2px;
  font-weight: 900;
}

.hero h1 span {
  background: linear-gradient(100deg, var(--blue-600), #0c9fae);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero-copy {
  max-width: 690px;
  margin: 0 auto;
  color: var(--muted);
  font-size: clamp(17px, 2vw, 20px);
}

.hero-points {
  margin: 30px auto 0;
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 18px 26px;
  color: #42556c;
  font-size: 13px;
  font-weight: 700;
}

.hero-point {
  display: flex;
  align-items: center;
  gap: 7px;
}

.check {
  width: 19px;
  height: 19px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--green-50);
  color: var(--green-600);
  font-size: 11px;
}

/* COMMON SECTION */

.section {
  padding: 82px 0;
}

.section-soft {
  background: var(--surface-soft);
}

.section-heading {
  margin-bottom: 34px;
}

.section-heading.center {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 40px;
}

.section-kicker {
  display: block;
  margin-bottom: 8px;
  color: var(--blue-600);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .11em;
}

.section-heading h2 {
  margin: 0;
  color: var(--navy-950);
  font-size: clamp(30px, 4vw, 42px);
  line-height: 1.15;
  letter-spacing: -1.5px;
}

.section-heading p {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 16px;
}

/* COUNTRIES */

.country-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.country-card {
  position: relative;
  min-height: 132px;
  padding: 23px;
  display: flex;
  align-items: center;
  gap: 17px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition:
    transform .18s ease,
    border-color .18s ease,
    box-shadow .18s ease;
}

.country-card:hover {
  transform: translateY(-3px);
  border-color: #b9d5fb;
  box-shadow: var(--shadow-md);
}

.country-flag {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  border-radius: 14px;
  background: var(--surface-soft);
  font-size: 29px;
}

.country-card h3 {
  margin: 0 0 3px;
  color: var(--navy-900);
  font-size: 17px;
}

.country-card p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
}

.arrow {
  margin-left: auto;
  color: var(--blue-600);
  font-size: 19px;
  transition: transform .18s ease;
}

.country-card:hover .arrow {
  transform: translateX(3px);
}

/* FEATURED TOOLS */

.tool-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.tool-card {
  position: relative;
  padding: 27px;
  min-height: 260px;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition:
    transform .18s ease,
    box-shadow .18s ease,
    border-color .18s ease;
}

.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #c7d9ef;
}

.tool-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 20px;
  border-radius: 14px;
  background: var(--blue-100);
  color: var(--blue-700);
  font-size: 22px;
}

.tool-meta {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--soft);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.tool-card h3 {
  margin: 8px 0 8px;
  color: var(--navy-950);
  font-size: 20px;
  line-height: 1.25;
}

.tool-card p {
  margin: 0 0 22px;
  color: var(--muted);
  font-size: 14px;
}

.tool-link {
  margin-top: auto;
  color: var(--blue-600);
  font-size: 13px;
  font-weight: 850;
}

/* CATEGORIES */

.category-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.category-card {
  padding: 26px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: #fff;
}

.category-symbol {
  margin-bottom: 15px;
  font-size: 26px;
}

.category-card h3 {
  margin: 0 0 7px;
  color: var(--navy-950);
  font-size: 17px;
}

.category-card p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
}

/* TRUST */

.trust-panel {
  position: relative;
  overflow: hidden;
  padding: 52px;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 60px;
  align-items: center;
  color: #fff;
  border-radius: var(--radius-xl);
  background:
    radial-gradient(circle at 100% 0%, rgba(47,128,237,.38), transparent 34%),
    linear-gradient(135deg, #07172f, #0b294b);
  box-shadow: var(--shadow-lg);
}

.trust-panel h2 {
  margin: 10px 0 15px;
  font-size: clamp(30px, 4vw, 43px);
  line-height: 1.12;
  letter-spacing: -1.5px;
}

.trust-panel p {
  margin: 0;
  color: #c3d0df;
}

.trust-list {
  display: grid;
  gap: 12px;
}

.trust-item {
  padding: 15px 17px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: 14px;
}

.trust-check {
  flex: 0 0 auto;
  color: #7de0bd;
  font-weight: 900;
}

.trust-item strong {
  display: block;
  margin-bottom: 2px;
  font-size: 14px;
}

.trust-item span {
  color: #adbdcf;
  font-size: 12px;
}

/* FOOTER */

.site-footer {
  padding: 58px 0 26px;
  background: #061225;
  color: #aebdce;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: 50px;
}

.footer-brand p {
  max-width: 330px;
  margin: 15px 0 0;
  font-size: 13px;
  color: #8fa1b6;
}

.footer-title {
  margin: 0 0 15px;
  color: #fff;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.footer-links {
  display: grid;
  gap: 9px;
}

.footer-links a {
  color: #9eafc1;
  font-size: 13px;
}

.footer-links a:hover {
  color: #fff;
}

.footer-bottom {
  margin-top: 45px;
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  border-top: 1px solid rgba(255,255,255,.09);
  color: #71869e;
  font-size: 12px;
}

/* RESPONSIVE */

@media (max-width: 920px) {
  .main-nav {
    display: none;
  }

  .mobile-menu-button {
    display: grid;
    place-items: center;
  }

  .country-grid,
  .tool-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .category-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-panel {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(calc(100% - 28px), var(--max-width));
  }

  .navbar {
    min-height: 66px;
  }

  .brand-mark {
    width: 35px;
    height: 35px;
  }

  .hero {
    padding: 66px 0 55px;
  }

  .hero h1 {
    letter-spacing: -2px;
  }

  .hero-points {
    gap: 10px 16px;
  }

  .section {
    padding: 62px 0;
  }

  .country-grid,
  .tool-grid,
  .category-grid {
    grid-template-columns: 1fr;
  }

  .country-card {
    min-height: 108px;
  }

  .tool-card {
    min-height: 225px;
  }

  .trust-panel {
    padding: 30px 23px;
    border-radius: 24px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 35px 24px;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition: none !important;
  }
}

@media (max-width: 920px) {
  .main-nav.is-open {
    position: absolute;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    top: 66px;
    left: 14px;
    right: 14px;
    padding: 10px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
  }

  .main-nav.is-open a {
    padding: 12px 14px;
    border-radius: 9px;
  }

  .main-nav.is-open a:hover {
    background: var(--surface-soft);
  }
}

@media (max-width: 620px) {
  .country-button {
    display: none;
  }
}

/* COUNTRY HUBS */

.country-hero {
  padding: 50px 0 64px;
  background:
    radial-gradient(circle at 85% 10%, rgba(47,128,237,.11), transparent 27%),
    linear-gradient(180deg, #fbfdff, #f4f8fd);
  border-bottom: 1px solid var(--border);
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 42px;
  color: var(--muted);
  font-size: 13px;
}

.breadcrumb a {
  color: var(--blue-600);
  font-weight: 700;
}

.country-hero-content {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 210px;
  align-items: center;
  gap: 70px;
}

.country-label {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 15px;
  color: var(--blue-700);
  font-size: 13px;
  font-weight: 850;
}

.country-hero h1 {
  max-width: 760px;
  margin: 0;
  color: var(--navy-950);
  font-size: clamp(38px, 5vw, 58px);
  line-height: 1.06;
  letter-spacing: -2.3px;
}

.country-hero p {
  max-width: 720px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 17px;
}

.country-summary {
  padding: 27px;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,.86);
  box-shadow: var(--shadow-sm);
}

.summary-number {
  color: var(--blue-600);
  font-size: 42px;
  line-height: 1;
  font-weight: 900;
  letter-spacing: -2px;
}

.country-summary strong {
  margin-top: 8px;
  color: var(--navy-950);
}

.country-summary > span:last-child {
  margin-top: 3px;
  color: var(--muted);
  font-size: 12px;
}

@media (max-width: 760px) {
  .country-hero {
    padding: 35px 0 48px;
  }

  .breadcrumb {
    margin-bottom: 28px;
  }

  .country-hero-content {
    grid-template-columns: 1fr;
    gap: 27px;
  }

  .country-summary {
    max-width: 260px;
  }
}

/* =========================================================
   CALCULATOR PAGES
   ========================================================= */

.tool-hero {
  padding: 38px 0 45px;
  background:
    radial-gradient(circle at 85% 0%, rgba(47,128,237,.10), transparent 28%),
    linear-gradient(180deg, #fbfdff, #f7faff);
  border-bottom: 1px solid var(--border);
}

.tool-hero h1 {
  max-width: 820px;
  margin: 13px 0 12px;
  color: var(--navy-950);
  font-size: clamp(36px, 5vw, 55px);
  line-height: 1.06;
  letter-spacing: -2.1px;
}

.tool-hero-copy {
  max-width: 760px;
  margin: 0;
  color: var(--muted);
  font-size: 17px;
}

.tool-status {
  margin-top: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
}

.status-chip {
  padding: 6px 10px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: rgba(255,255,255,.85);
  color: #53657b;
  font-size: 11px;
  font-weight: 750;
}

.calculator-section {
  padding: 48px 0 70px;
  background: #f7f9fc;
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, .95fr) minmax(380px, 1.05fr);
  gap: 24px;
  align-items: start;
}

.calculator-card,
.result-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
}

.calculator-card {
  padding: 29px;
}

.calculator-card h2,
.result-card h2 {
  margin: 0;
  color: var(--navy-950);
  font-size: 21px;
  letter-spacing: -.5px;
}

.card-intro {
  margin: 6px 0 25px;
  color: var(--muted);
  font-size: 13px;
}

.form-section {
  margin-top: 27px;
  padding-top: 25px;
  border-top: 1px solid var(--border);
}

.form-section:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.form-section-title {
  margin: 0 0 16px;
  color: var(--navy-900);
  font-size: 13px;
  font-weight: 850;
  text-transform: uppercase;
  letter-spacing: .07em;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 17px;
}

.form-field {
  min-width: 0;
}

.form-field.full {
  grid-column: 1 / -1;
}

.form-field label {
  display: block;
  margin-bottom: 7px;
  color: #34465d;
  font-size: 12px;
  font-weight: 800;
}

.input-wrap {
  position: relative;
}

.input-prefix,
.input-suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: #718096;
  font-size: 14px;
  pointer-events: none;
}

.input-prefix {
  left: 13px;
}

.input-suffix {
  right: 13px;
}

.input-wrap.has-prefix input {
  padding-left: 29px;
}

.input-wrap.has-suffix input {
  padding-right: 35px;
}

.form-field input,
.form-field select {
  width: 100%;
  height: 46px;
  padding: 0 13px;
  color: var(--navy-950);
  background: #fff;
  border: 1px solid var(--border-strong);
  border-radius: 11px;
  outline: none;
  transition:
    border-color .15s ease,
    box-shadow .15s ease;
}

.form-field input:focus,
.form-field select:focus {
  border-color: var(--blue-500);
  box-shadow: 0 0 0 3px rgba(47,128,237,.11);
}

.field-help {
  display: block;
  margin-top: 6px;
  color: var(--soft);
  font-size: 10.5px;
  line-height: 1.45;
}

.checkbox-row {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 13px;
  background: var(--surface-soft);
  border: 1px solid var(--border);
  border-radius: 11px;
}

.checkbox-row input {
  width: 17px;
  height: 17px;
  margin-top: 2px;
  flex: 0 0 auto;
}

.checkbox-row label {
  margin: 0;
  color: #3d4e63;
  font-size: 12px;
  font-weight: 650;
}

.primary-button {
  width: 100%;
  min-height: 49px;
  margin-top: 24px;
  border: 0;
  border-radius: 12px;
  color: #fff;
  background:
    linear-gradient(135deg, var(--blue-700), var(--blue-500));
  font-weight: 850;
  cursor: pointer;
  box-shadow: 0 10px 24px rgba(23,105,224,.20);
}

.primary-button:hover {
  filter: brightness(.97);
}

.form-error {
  min-height: 18px;
  margin: 9px 0 0;
  color: #b42318;
  font-size: 11px;
  font-weight: 700;
}

/* RESULTS */

.result-card {
  position: sticky;
  top: 96px;
  overflow: hidden;
}

.result-top {
  padding: 30px;
  color: #fff;
  background:
    radial-gradient(circle at 100% 0%, rgba(66,153,225,.42), transparent 36%),
    linear-gradient(135deg, #07172f, #0d3159);
}

.result-label {
  color: #b9cadc;
  font-size: 11px;
  font-weight: 850;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.net-pay {
  margin-top: 6px;
  font-size: clamp(40px, 6vw, 56px);
  line-height: 1;
  font-weight: 900;
  letter-spacing: -2px;
}

.net-period {
  margin-top: 7px;
  color: #c1cfdd;
  font-size: 13px;
}

.annual-net {
  margin-top: 20px;
  padding-top: 17px;
  display: flex;
  justify-content: space-between;
  gap: 15px;
  border-top: 1px solid rgba(255,255,255,.13);
  color: #bdcad8;
  font-size: 12px;
}

.annual-net strong {
  color: #fff;
  font-size: 14px;
}

.result-body {
  padding: 27px 30px 30px;
}

.result-heading {
  margin-bottom: 15px;
  color: var(--navy-950);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .07em;
}

.result-row {
  padding: 9px 0;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  border-bottom: 1px solid #edf1f5;
  color: #53657b;
  font-size: 12.5px;
}

.result-row strong {
  color: var(--navy-900);
  font-variant-numeric: tabular-nums;
}

.result-row.total {
  margin-top: 4px;
  padding-top: 14px;
  border-bottom: 0;
  color: var(--navy-950);
  font-weight: 850;
}

.result-row.net {
  margin-top: 9px;
  padding: 13px;
  border: 0;
  border-radius: 10px;
  background: var(--green-50);
  color: #076b4d;
  font-weight: 850;
}

.result-row.net strong {
  color: #076b4d;
}

.result-note {
  margin: 16px 0 0;
  color: var(--soft);
  font-size: 10.5px;
  line-height: 1.5;
}

.breakdown {
  margin-top: 25px;
}

.breakdown-item {
  margin-top: 11px;
}

.breakdown-label {
  margin-bottom: 5px;
  display: flex;
  justify-content: space-between;
  color: #596a7f;
  font-size: 10.5px;
  font-weight: 750;
}

.breakdown-track {
  height: 8px;
  overflow: hidden;
  background: #edf2f7;
  border-radius: 999px;
}

.breakdown-bar {
  height: 100%;
  min-width: 0;
  border-radius: inherit;
  transition: width .3s ease;
}

.breakdown-bar.net {
  background: #16a474;
}

.breakdown-bar.tax {
  background: #3978db;
}

.breakdown-bar.deduction {
  background: #9a72d8;
}

/* TOOL CONTENT */

.tool-content {
  max-width: 850px;
  margin: 0 auto;
}

.content-section {
  padding: 35px 0;
  border-bottom: 1px solid var(--border);
}

.content-section:last-child {
  border-bottom: 0;
}

.content-section h2 {
  margin: 0 0 13px;
  color: var(--navy-950);
  font-size: 28px;
  letter-spacing: -.8px;
}

.content-section h3 {
  margin: 25px 0 8px;
  color: var(--navy-900);
  font-size: 18px;
}

.content-section p,
.content-section li {
  color: #53657b;
  font-size: 14px;
}

.content-section a {
  color: var(--blue-600);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.info-box {
  margin: 20px 0;
  padding: 18px;
  border: 1px solid #cfe1f8;
  border-radius: 13px;
  background: var(--blue-50);
  color: #40556e;
  font-size: 13px;
}

.warning-box {
  margin: 20px 0;
  padding: 18px;
  border: 1px solid #f0d6a4;
  border-radius: 13px;
  background: #fffaf0;
  color: #6d5321;
  font-size: 13px;
}

.faq-item {
  padding: 18px 0;
  border-top: 1px solid var(--border);
}

.faq-item h3 {
  margin: 0 0 7px;
  font-size: 16px;
}

.faq-item p {
  margin: 0;
}

.source-list {
  padding-left: 20px;
}

@media (max-width: 900px) {
  .calculator-shell {
    grid-template-columns: 1fr;
  }

  .result-card {
    position: static;
  }
}

@media (max-width: 560px) {
  .calculator-section {
    padding: 25px 0 50px;
  }

  .calculator-card {
    padding: 21px 17px;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .result-top,
  .result-body {
    padding-left: 21px;
    padding-right: 21px;
  }

  .tool-hero {
    padding: 29px 0 35px;
  }
}

.result-alert {
  margin-top: 18px;
  padding: 12px 14px;
  border: 1px solid #b9e5d3;
  border-radius: 10px;
  background: #effbf6;
  color: #146447;
  font-size: 11px;
  line-height: 1.5;
  font-weight: 650;
}
/* =========================================================
   MORTGAGE CALCULATOR
   ========================================================= */

.mortgage-breakdown {
  margin-top: 27px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
}

.breakdown-bar.mortgage-pi {
  background: #1769e0;
}

.breakdown-bar.mortgage-tax {
  background: #18a7b9;
}

.breakdown-bar.mortgage-insurance {
  background: #7758c7;
}

.breakdown-bar.mortgage-hoa {
  background: #d18b32;
}

.breakdown-bar.mortgage-pmi {
  background: #c55a7a;
}

.breakdown-bar.mortgage-extra {
  background: #0b9569;
}

.mortgage-summary-grid {
  margin-top: 26px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 9px;
}

.mortgage-summary-item {
  min-width: 0;
  padding: 13px 11px;
  border: 1px solid var(--border);
  border-radius: 11px;
  background: var(--surface-soft);
}

.mortgage-summary-item span {
  display: block;
  margin-bottom: 5px;
  color: var(--soft);
  font-size: 9px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .05em;
}

.mortgage-summary-item strong {
  display: block;
  color: var(--navy-950);
  font-size: 13px;
  line-height: 1.25;
}

.mortgage-comparison-section {
  padding: 70px 0;
  background: #fff;
  border-bottom: 1px solid var(--border);
}

.mortgage-comparison-grid {
  margin-top: 28px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 17px;
}

.comparison-card {
  padding: 25px;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
}

.comparison-card-highlight {
  border-color: #bfd6f6;
  background:
    linear-gradient(180deg, #fbfdff, #f4f8ff);
}

.savings-card {
  border-color: #bfe4d6;
  background:
    linear-gradient(180deg, #fbfffd, #f1fbf7);
}

.comparison-label {
  display: block;
  color: var(--blue-600);
  font-size: 10px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .07em;
}

.savings-card .comparison-label {
  color: #07875f;
}

.comparison-card h3 {
  margin: 7px 0 20px;
  color: var(--navy-950);
  font-size: 19px;
}

.comparison-stat {
  padding: 11px 0;
  display: flex;
  justify-content: space-between;
  gap: 15px;
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 12px;
}

.comparison-stat strong {
  color: var(--navy-950);
  text-align: right;
}

.amortization-card {
  margin-top: 27px;
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow-sm);
}

.table-scroll {
  overflow-x: auto;
}

.amortization-table {
  width: 100%;
  min-width: 730px;
  border-collapse: collapse;
  font-size: 12px;
}

.amortization-table th {
  padding: 13px 16px;
  color: #64758a;
  background: #f7f9fc;
  border-bottom: 1px solid var(--border);
  text-align: right;
  font-size: 10px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.amortization-table th:first-child,
.amortization-table th:nth-child(2) {
  text-align: left;
}

.amortization-table td {
  padding: 12px 16px;
  color: #53657b;
  border-bottom: 1px solid #edf1f5;
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.amortization-table td:first-child,
.amortization-table td:nth-child(2) {
  text-align: left;
}

.amortization-table tbody tr:last-child td {
  border-bottom: 0;
}

.amortization-table tbody tr:hover {
  background: #fbfcfe;
}

.mortgage-formula {
  margin: 21px 0;
  padding: 22px;
  display: grid;
  gap: 7px;
  border: 1px solid #cfe1f8;
  border-radius: 13px;
  background: var(--blue-50);
}

.mortgage-formula strong {
  margin-bottom: 8px;
  color: var(--navy-950);
  font-size: 18px;
  letter-spacing: -.3px;
}

.mortgage-formula span {
  color: #52677f;
  font-size: 12px;
}

.related-tools-grid {
  margin-top: 22px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.related-tool {
  padding: 19px;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--border);
  border-radius: 13px;
  background: #fff;
  text-decoration: none !important;
  transition:
    transform .15s ease,
    border-color .15s ease,
    box-shadow .15s ease;
}

.related-tool:hover {
  transform: translateY(-2px);
  border-color: #bfd6f6;
  box-shadow: var(--shadow-sm);
}

.related-tool span {
  color: var(--blue-600);
  font-size: 9px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .07em;
}

.related-tool strong {
  margin-top: 5px;
  color: var(--navy-950);
  font-size: 14px;
}

.related-tool small {
  margin-top: 7px;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.5;
}

.form-field input:disabled {
  color: #78889a;
  background: #f4f6f8;
  cursor: not-allowed;
}

@media (max-width: 760px) {
  .mortgage-comparison-grid,
  .related-tools-grid {
    grid-template-columns: 1fr;
  }

  .mortgage-summary-grid {
    grid-template-columns: 1fr;
  }

  .mortgage-comparison-section {
    padding: 50px 0;
  }
}