/* ========================================
   CoachMyFinance – Complete Stylesheet
   ======================================== */

/* ── Reset & Variables ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --primary: #6366f1;
  --primary-dark: #4f46e5;
  --accent: #22d3ee;
  --green: #10b981;
  --amber: #f59e0b;
  --red: #f43f5e;
  --purple: #8b5cf6;
  --bg: #f8fafc;
  --bg-alt: #eef2ff;
  --surface: #ffffff;
  --text: #1e293b;
  --text-light: #64748b;
  --border: #e2e8f0;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(0,0,0,.06);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.1);
  --transition: .3s ease;
}
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--primary); text-decoration: none; }
ul, ol { list-style-position: inside; }

/* ── Container ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }

/* ── Navbar ── */
#navbar {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: var(--transition);
}
#navbar.scrolled {
  border-bottom-color: var(--border);
  box-shadow: 0 2px 16px rgba(0,0,0,.06);
}
.nav-container {
  max-width: 1400px; margin: 0 auto; padding: 0 1.5rem;
  display: flex; align-items: center; height: 48px; gap: 1rem;
}
.logo { font-weight: 800; font-size: 1.3rem; color: var(--text); margin-right: auto; }
.logo span { color: var(--primary); }

/* Nav Sign In button */
.nav-account-btn {
  padding: .4rem .9rem;
  background: linear-gradient(135deg, #6366f1, #8b5cf6);
  color: #fff !important;
  border-radius: 8px;
  font-size: .78rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  transition: transform .15s, box-shadow .2s;
}
.nav-account-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(99,102,241,.35);
}
.nav-signin-btn {
  background: linear-gradient(135deg, #6366f1, #8b5cf6) !important;
  color: #fff !important;
  border: none !important;
}

/* Nav bottom row (links) */
.nav-bottom-row {
  max-width: 1400px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  padding: 0 1.5rem .35rem;
  gap: .75rem;
}


/* Language switcher */
.lang-switcher { display: flex; gap: .3rem; }
.lang-btn {
  padding: .3rem .55rem; border-radius: 6px;
  border: 1.5px solid var(--border); background: var(--surface);
  font-size: .75rem; font-weight: 600; cursor: pointer;
  color: var(--text-light); transition: var(--transition);
}
.lang-btn:hover { border-color: var(--primary); color: var(--primary); }
.lang-btn.active {
  background: var(--primary); color: #fff; border-color: var(--primary);
}

/* Hamburger */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: .25rem;
}
.hamburger span {
  width: 24px; height: 2px; background: var(--text);
  border-radius: 2px; transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Nav links */
.nav-links {
  display: flex; list-style: none; gap: .1rem;
  flex-wrap: nowrap; flex-shrink: 1;
}
.nav-links a {
  padding: .3rem .55rem; border-radius: 8px;
  color: var(--text-light); font-size: .8rem; font-weight: 500;
  transition: var(--transition); white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active-link {
  color: var(--primary); background: var(--bg-alt);
}
.nav-course-link {
  background: var(--primary) !important; color: #fff !important;
  border-radius: 8px !important; font-weight: 600 !important;
}
.nav-course-link:hover {
  background: var(--primary-dark) !important;
}

/* ── Hero – Redesigned Landing ── */
.highlight { color: var(--primary); }
.hero-landing {
  position: relative; overflow: hidden;
  min-height: 80vh; display: flex; align-items: center; justify-content: center;
  padding: 6.5rem 1.5rem 3.5rem; text-align: center;
  background: linear-gradient(135deg, #1e1b4b 0%, #312e81 30%, #4f46e5 65%, #6366f1 100%);
  color: #fff;
}
.hero-bg-shapes { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.shape { position: absolute; border-radius: 50%; opacity: .07; background: #fff; }
.shape-1 { width: 600px; height: 600px; top: -200px; right: -150px; }
.shape-2 { width: 400px; height: 400px; bottom: -120px; left: -100px; }
.shape-3 { width: 250px; height: 250px; top: 40%; left: 55%; }
.hero-landing-inner { position: relative; z-index: 2; max-width: 780px; }
.hero-badge {
  display: inline-block; background: rgba(255,255,255,.15); backdrop-filter: blur(6px);
  padding: .45rem 1.2rem; border-radius: 30px; font-size: .82rem; font-weight: 600;
  margin-bottom: 1.5rem; border: 1px solid rgba(255,255,255,.2);
}
.hero-landing h1 {
  font-size: clamp(2.2rem, 5.5vw, 3.5rem); font-weight: 800; line-height: 1.12;
  margin-bottom: 1rem;
}
.hero-landing .highlight { color: #a5b4fc; }
.hero-landing .hero-sub {
  font-size: 1.1rem; color: rgba(255,255,255,.8); max-width: 600px;
  margin: 0 auto 2rem; line-height: 1.65;
}
.hero-stats-row {
  display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; margin-top: .5rem;
}
.hero-stat-pill {
  display: flex; align-items: center; gap: .4rem;
  background: rgba(255,255,255,.12); backdrop-filter: blur(6px);
  padding: .55rem 1.1rem; border-radius: 12px;
  font-size: .85rem; border: 1px solid rgba(255,255,255,.1);
}
.hero-stat-pill strong { font-weight: 800; font-size: 1.05rem; }
.stat-icon { font-size: 1.1rem; }

/* ── Course Start Section ── */
.section-course-start {
  background: linear-gradient(180deg, #eef2ff 0%, #f8fafc 100%);
  padding: 3.5rem 0 3rem;
}
.course-start-header { text-align: center; margin-bottom: 2rem; }
.cs-badge { font-size: 2.5rem; display: block; margin-bottom: .5rem; }
.course-start-header .section-title { margin-bottom: .5rem; }
.course-start-header .section-intro { max-width: 520px; margin: 0 auto; }

/* Course progress bar for returning users */
.cs-progress-bar { max-width: 500px; margin: 0 auto 2rem; }
.cs-progress-info { display: flex; justify-content: space-between; font-size: .82rem; color: var(--text-light); margin-bottom: .3rem; }
.cs-progress-track { height: 8px; background: var(--border); border-radius: 4px; overflow: hidden; }
.cs-progress-fill { height: 100%; width: 0; background: linear-gradient(90deg, #10b981, #34d399); border-radius: 4px; transition: width .6s; }

/* Module label */
.cs-module-label {
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  margin-bottom: 1.25rem; font-weight: 700; font-size: .95rem; color: #10b981;
}
.cs-module-icon { font-size: 1.3rem; }

/* Lesson cards */
.cs-lessons-grid {
  display: grid; grid-template-columns: 1fr; gap: .85rem;
  max-width: 640px; margin: 0 auto 2rem;
}
.cs-lesson-card {
  display: flex; align-items: center; gap: 1rem;
  background: var(--surface); border: 2px solid var(--border);
  border-radius: 14px; padding: 1.25rem 1.5rem;
  text-decoration: none; color: var(--text);
  transition: all .25s ease; box-shadow: 0 2px 8px rgba(0,0,0,.04);
  position: relative; overflow: hidden;
}
.cs-lesson-card::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 0;
  background: linear-gradient(135deg, #6366f1, #818cf8); transition: width .3s;
}
.cs-lesson-card:hover {
  border-color: var(--primary); transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(99,102,241,.15);
}
.cs-lesson-card:hover::before { width: 5px; }
.cs-lesson-card.completed { border-color: #a7f3d0; background: #f0fdf4; }
.cs-lesson-card.completed::before { width: 5px; background: #10b981; }
.cs-lesson-card.locked { opacity: .5; pointer-events: none; }
.cs-lesson-number {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--purple));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem; flex-shrink: 0; position: relative; z-index: 1;
}
.cs-lesson-card.completed .cs-lesson-number {
  background: linear-gradient(135deg, #10b981, #34d399);
}
.cs-lesson-card.completed .cs-lesson-number::after { content: '✓'; }
.cs-lesson-body { flex: 1; position: relative; z-index: 1; }
.cs-lesson-body h3 { font-size: 1rem; font-weight: 700; margin: 0 0 .25rem; color: var(--text); }
.cs-lesson-body p { font-size: .82rem; color: var(--text-light); margin: 0 0 .4rem; line-height: 1.4; }
.cs-lesson-meta { display: flex; gap: 1rem; font-size: .75rem; color: var(--text-light); }
.cs-xp { color: #f59e0b; font-weight: 700; }
.cs-lesson-arrow {
  font-size: 1.3rem; color: var(--primary); font-weight: 700; flex-shrink: 0;
  opacity: 0; transform: translateX(-8px); transition: all .25s; position: relative; z-index: 1;
}
.cs-lesson-card:hover .cs-lesson-arrow { opacity: 1; transform: translateX(0); }

/* CTA */
.cs-cta-row { text-align: center; margin-bottom: 2.5rem; }
.cs-main-cta { font-size: 1.05rem; padding: .9rem 2rem; }
.btn-lg { font-size: 1.05rem; padding: .85rem 2rem; }
.cs-cta-sub { font-size: .8rem; color: var(--text-light); margin-top: .75rem; }

/* Roadmap visual */
.cs-roadmap {
  display: flex; align-items: center; justify-content: center; gap: 0;
  flex-wrap: wrap; max-width: 700px; margin: 0 auto;
  padding: 1.5rem; background: var(--surface); border-radius: 14px;
  box-shadow: 0 2px 12px rgba(0,0,0,.05);
}
.cs-road-step {
  display: flex; flex-direction: column; align-items: center; gap: .3rem;
  padding: .5rem .75rem; border-radius: 10px; transition: all .2s;
}
.cs-road-step.active { background: #ecfdf5; }
.cs-road-step.completed { background: #f0fdf4; }
.cs-road-icon { font-size: 1.5rem; }
.cs-road-step span:last-child { font-size: .7rem; font-weight: 700; color: var(--text-light); text-transform: uppercase; letter-spacing: .3px; }
.cs-road-step.active span:last-child { color: #10b981; }
.cs-road-line { width: 30px; height: 3px; background: var(--border); border-radius: 2px; flex-shrink: 0; }
.cs-road-step.completed + .cs-road-line,
.cs-road-line + .cs-road-step.completed { background: #10b981; }

/* ── Buttons ── */
.btn {
  display: inline-block; padding: .8rem 2rem; border-radius: 10px;
  font-weight: 600; font-size: .95rem;
  border: none; cursor: pointer; transition: var(--transition);
}
.btn-primary {
  background: var(--primary); color: #fff;
  box-shadow: 0 4px 16px rgba(99,102,241,.3);
}
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(99,102,241,.4); }

/* Course CTA (hero) */
.btn-course { background: linear-gradient(135deg, #10b981, #059669); color: #fff; box-shadow: 0 4px 16px rgba(16,185,129,.3); margin-left: .75rem; }
.btn-course:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(16,185,129,.4); }
.nav-course-link { background: linear-gradient(135deg, #10b981, #059669) !important; color: #fff !important; padding: .35rem .75rem !important; border-radius: 8px !important; font-weight: 700 !important; font-size: .8rem; }

/* ── Rich Life Quiz Section ── */
.section-richlife {
  background: linear-gradient(135deg, #eef2ff 0%, #faf5ff 50%, #ecfdf5 100%);
}
.quiz-progress {
  max-width: 600px; margin: 0 auto 2.5rem; height: 12px;
  background: var(--border); border-radius: 8px;
  position: relative; overflow: hidden;
}
.quiz-progress-fill {
  height: 100%; width: 0%; border-radius: 8px;
  background: linear-gradient(90deg, var(--primary), var(--purple));
  transition: width .5s ease;
}
.quiz-progress-text {
  position: absolute; inset: 0; display: flex;
  align-items: center; justify-content: center;
  font-size: .7rem; font-weight: 700; color: var(--text);
}
.quiz-container { max-width: 700px; margin: 0 auto; }
.quiz-step {
  display: none; animation: quizFadeIn .4s ease;
}
.quiz-step.active { display: block; }
@keyframes quizFadeIn {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.quiz-question { text-align: center; margin-bottom: 1.5rem; }
.quiz-q-num {
  display: inline-block; background: var(--primary); color: #fff;
  padding: .2rem .7rem; border-radius: 20px; font-size: .78rem;
  font-weight: 700; margin-bottom: .5rem;
}
.quiz-question h3 { font-size: 1.2rem; }
.quiz-options { display: flex; flex-direction: column; gap: .6rem; }
.quiz-option {
  display: flex; align-items: center; gap: .75rem;
  padding: 1rem 1.25rem; border-radius: 12px;
  background: var(--surface); border: 2px solid var(--border);
  cursor: pointer; transition: var(--transition);
  font-size: .95rem; box-shadow: var(--shadow);
}
.quiz-option:hover { border-color: var(--primary); transform: translateX(6px); }
.quiz-option input { display: none; }
.quiz-option.selected {
  border-color: var(--primary); background: #eef2ff;
  box-shadow: 0 0 0 3px rgba(99,102,241,.15);
}
.quiz-emoji { font-size: 1.4rem; flex-shrink: 0; }

/* Quiz Results */
.quiz-results { max-width: 800px; margin: 0 auto; animation: quizFadeIn .5s ease; }
.results-header { text-align: center; margin-bottom: 2rem; }
.results-header h3 { font-size: 1.6rem; }
.results-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 1.25rem; margin-bottom: 2rem;
}
.result-vision-card, .result-numbers-card, .result-risk-card, .result-alloc-card {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow);
}
.result-vision-card {
  text-align: center; border-top: 4px solid var(--primary);
}
.vision-icon { font-size: 3rem; margin-bottom: .5rem; }
.result-vision-card h4, .result-numbers-card h4,
.result-risk-card h4, .result-alloc-card h4 { margin-bottom: .75rem; font-size: 1rem; }
.result-number-row {
  display: flex; justify-content: space-between;
  padding: .4rem 0; border-bottom: 1px solid var(--border);
  font-size: .88rem;
}
.risk-meter {
  height: 12px; border-radius: 8px; overflow: hidden;
  background: linear-gradient(90deg, var(--green), var(--amber), var(--red));
  position: relative; margin-bottom: .5rem;
}
.risk-meter-fill {
  position: absolute; top: -3px; width: 18px; height: 18px;
  border-radius: 50%; background: #fff;
  border: 3px solid var(--text); transition: left .5s ease;
  left: 25%;
}
.risk-label { font-size: .85rem; font-weight: 600; text-align: center; display: block; }
.alloc-bars { display: flex; flex-direction: column; gap: .4rem; }
.alloc-bar-item {
  display: flex; align-items: center; gap: .5rem; font-size: .82rem;
}
.alloc-bar-fill {
  height: 20px; border-radius: 6px; transition: width .6s ease;
  display: flex; align-items: center; padding-left: .5rem;
  color: #fff; font-weight: 600; font-size: .75rem;
}
.results-actions {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow); margin-bottom: 1.5rem;
}
.results-actions h4 { margin-bottom: 1rem; text-align: center; }
.action-steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
}
.action-step-card {
  background: var(--bg-alt); border-radius: 10px;
  padding: 1rem; display: flex; gap: .75rem; align-items: flex-start;
}
.action-step-num {
  background: var(--primary); color: #fff; width: 28px; height: 28px;
  border-radius: 50%; display: flex; align-items: center;
  justify-content: center; font-weight: 800; font-size: .85rem;
  flex-shrink: 0;
}
.action-step-card p { font-size: .85rem; line-height: 1.5; }
#rlRetakeBtn { display: block; margin: 0 auto; }

/* ── Leverage Section ── */
.lev-math { margin-top: 1rem; }
.lev-math-row {
  display: flex; justify-content: space-between;
  padding: .4rem 0; border-bottom: 1px solid var(--border);
  font-size: .9rem;
}
.lev-math-row.lev-total {
  border-bottom: none; padding-top: .6rem;
  font-size: 1rem;
}
.leverage-real-cost { margin-top: 3rem; }
.leverage-real-cost > h3 { text-align: center; margin-bottom: .5rem; font-size: 1.3rem; }
.mortgage-visual {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 2rem; margin: 2rem 0;
}
.mortgage-example {
  background: var(--surface); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-lg);
}
.mortgage-header {
  background: linear-gradient(135deg, var(--primary), var(--purple));
  color: #fff; padding: 1.25rem; text-align: center;
}
.mortgage-header h4 { font-size: 1.1rem; }
.mortgage-details { padding: 1.25rem; }
.mortgage-row {
  display: flex; justify-content: space-between;
  padding: .5rem 0; border-bottom: 1px solid var(--border);
  font-size: .92rem;
}
.mortgage-total-box {
  background: #fff7ed; padding: 1.25rem;
  border-top: 3px solid var(--amber);
}
.mortgage-total-row {
  display: flex; justify-content: space-between;
  align-items: center; padding: .5rem 0;
}
.borrow-vs-pay {
  display: flex; flex-direction: column;
  justify-content: center; gap: 1.5rem;
}
.bvp-bar { position: relative; }
.bvp-label {
  font-size: .82rem; font-weight: 600; margin-bottom: .35rem;
  display: block; color: var(--text-light);
}
.bvp-fill {
  height: 42px; border-radius: 8px; display: flex;
  align-items: center; padding: 0 1rem;
  font-weight: 700; color: #fff; font-size: .9rem;
  transition: width .8s ease;
}
.bvp-bar.borrowed .bvp-fill { background: var(--primary); }
.bvp-bar.paid .bvp-fill { background: linear-gradient(90deg, var(--primary) 66%, var(--red) 66%); }
.bvp-bar.interest-only .bvp-fill { background: var(--red); }

.loan-calculator {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; box-shadow: var(--shadow); margin-top: 2rem;
}
.loan-calculator h4 { text-align: center; margin-bottom: 1.5rem; font-size: 1.1rem; }

/* ── Sections ── */
.section { padding: 5rem 0; }
.section-alt { background: var(--bg-alt); }
.section-title {
  font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800;
  text-align: center; margin-bottom: .75rem;
}
.section-intro {
  text-align: center; color: var(--text-light); max-width: 700px;
  margin: 0 auto 3rem; font-size: 1.05rem;
}

/* ── Collapsible Sections (details/summary) ── */
.section-collapse {
  width: 100%;
}
.section-collapse > summary {
  cursor: pointer;
  list-style: none !important;
  list-style-type: none !important;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: .5rem .75rem;
  padding: .5rem 0;
  user-select: none;
  -webkit-tap-highlight-color: transparent;
}
details > summary::-webkit-details-marker,
.section-collapse > summary::-webkit-details-marker { display: none !important; }
details > summary::marker,
.section-collapse > summary::marker { display: none !important; font-size: 0; content: '' !important; }
.section-collapse > summary:focus { outline: none; }
.section-collapse > summary:focus-visible { outline: 2px solid var(--primary); outline-offset: 4px; border-radius: 8px; }
.section-collapse > summary > .section-title {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 800;
  text-align: center;
  margin: 0;
  pointer-events: none;
}
.section-collapse > summary > .section-intro-line {
  display: block;
  width: 100%;
  flex-basis: 100%;
  text-align: center;
  color: var(--text-light);
  max-width: 700px;
  margin: .25rem auto 0;
  font-size: 1.05rem;
  pointer-events: none;
}
.section-toggle-arrow {
  font-size: 1.4rem;
  color: var(--primary);
  transition: transform .3s ease;
  flex-shrink: 0;
  line-height: 1;
  display: inline-block;
  pointer-events: none;
}
.section-collapse[open] > summary > .section-toggle-arrow {
  transform: rotate(90deg);
}
.section-collapse > summary:hover .section-toggle-arrow {
  color: var(--primary-dark);
}
.section-collapse > summary:hover .section-title {
  color: var(--primary);
}
.section-collapse-body {
  padding-top: 2rem;
}

/* ── Two-col layout ── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: start; }
.col-text, .col-visual { min-width: 0; }

/* ── Info Cards ── */
.info-card {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem; margin-bottom: 1.25rem;
  border-left: 4px solid var(--primary);
  box-shadow: var(--shadow);
}
.info-card h3 { margin-bottom: .6rem; font-size: 1.1rem; }
.info-card ul, .info-card ol { margin-top: .5rem; }
.info-card li { margin-bottom: .5rem; line-height: 1.6; }
.info-card.accent-blue { border-left-color: var(--accent); }
.info-card.accent-green { border-left-color: var(--green); }
.info-card.accent-purple { border-left-color: var(--purple); }

/* ── Bar Chart (Risk vs Return) ── */
.visual-box {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; box-shadow: var(--shadow);
}
.visual-box h4 { text-align: center; margin-bottom: 1.5rem; font-size: 1.1rem; }
.bar-chart { display: flex; justify-content: center; }
.bar-group {
  display: flex; gap: 1rem; align-items: flex-end;
  height: 220px; padding: 1rem 0;
}
.bar {
  width: 52px; height: var(--h); background: var(--c);
  border-radius: 8px 8px 0 0; position: relative;
  display: flex; align-items: flex-start; justify-content: center;
  transition: var(--transition);
}
.bar span {
  position: absolute; top: -24px; font-size: .75rem; font-weight: 700; color: var(--text);
}
.bar::after {
  content: attr(data-label);
  position: absolute; bottom: -22px; font-size: .65rem; font-weight: 500;
  color: var(--text-light); white-space: nowrap;
}
.bar:hover { filter: brightness(1.1); transform: scaleY(1.05); transform-origin: bottom; }
.chart-note { font-size: .8rem; color: var(--text-light); text-align: center; margin-top: 2rem; }

/* ── Card Grid ── */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem; }
.card {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid transparent;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.card-icon { font-size: 2rem; margin-bottom: .75rem; }
.card h3 { font-size: 1.05rem; margin-bottom: .5rem; }
.card p { color: var(--text-light); font-size: .92rem; }

/* ── Comparison Box (diversification) ── */
.comparison-box {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; margin-top: 2.5rem; box-shadow: var(--shadow);
}
.comparison-box h3 { text-align: center; margin-bottom: 1.5rem; }
.comparison-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.comparison-item { padding: 1.25rem; border-radius: var(--radius); }
.comparison-item.bad { background: #fff1f2; }
.comparison-item.good { background: #ecfdf5; }
.comparison-item h4 { margin-bottom: .75rem; font-size: 1rem; }
.mini-bars { display: flex; flex-direction: column; gap: .4rem; }
.mini-bar {
  padding: .4rem .6rem; border-radius: 6px; font-size: .75rem;
  font-weight: 600; color: #fff;
}
.comparison-item p { margin-top: .75rem; font-size: .88rem; color: var(--text-light); }

/* ── Principles ── */
.principles-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 1.5rem; }
.principle {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
  position: relative; padding-left: 4.5rem;
  border: 1px solid transparent; transition: var(--transition);
}
.principle:hover { border-color: var(--primary); }
.principle::before {
  content: attr(data-num); position: absolute; left: 1.25rem; top: 1.25rem;
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--primary); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem;
}
.principle h3 { font-size: 1.05rem; margin-bottom: .5rem; }
.principle p { color: var(--text-light); font-size: .92rem; }
.compound-demo { margin-top: 1rem; }
.compound-bar {
  background: var(--primary); width: var(--w);
  padding: .5rem .75rem; border-radius: 6px;
  color: #fff; font-size: .8rem; font-weight: 600;
  margin-bottom: .35rem; transition: width 1s ease;
}
.fee-comparison { margin-top: 1rem; }
.fee-item {
  display: flex; align-items: center; gap: .75rem;
  margin-bottom: .5rem; font-size: .9rem;
}
.fee-pct { font-size: 1.1rem; font-weight: 800; min-width: 50px; }
.good-text { color: var(--green) !important; }
.bad-text { color: var(--red) !important; }

/* ── ETFs ── */
.etf-vs-stock {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow); margin-bottom: 1.5rem;
}
.etf-vs-stock h4 { text-align: center; margin-bottom: 1rem; }
table { width: 100%; border-collapse: collapse; }
th, td { padding: .6rem .75rem; text-align: left; border-bottom: 1px solid var(--border); font-size: .88rem; }
th { font-weight: 600; background: var(--bg-alt); }
.popular-etfs {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow);
}
.popular-etfs h4 { margin-bottom: 1rem; }
.etf-list { display: flex; flex-direction: column; gap: .5rem; }
.etf-item { display: flex; align-items: center; gap: .75rem; font-size: .9rem; }
.etf-ticker {
  background: var(--primary); color: #fff; padding: .25rem .6rem;
  border-radius: 6px; font-weight: 700; font-size: .78rem;
  min-width: 50px; text-align: center;
}

/* ── Bonds ── */
.bond-visual { display: flex; justify-content: center; margin-bottom: 2.5rem; }
.bond-card-visual {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; box-shadow: var(--shadow-lg); max-width: 460px; width: 100%;
  border-top: 5px solid var(--primary);
}
.bond-header {
  text-align: center; font-weight: 800; font-size: 1.2rem;
  margin-bottom: 1rem; color: var(--primary);
}
.bond-detail {
  display: flex; justify-content: space-between;
  padding: .5rem 0; border-bottom: 1px solid var(--border);
  font-size: .95rem;
}
.bond-flow {
  display: flex; gap: .5rem; margin-top: 1.25rem; flex-wrap: wrap;
}
.flow-step {
  background: var(--bg-alt); padding: .5rem .75rem; border-radius: 8px;
  font-size: .82rem; flex: 1; text-align: center; min-width: 140px;
}
.bond-total {
  margin-top: 1rem; text-align: center; font-weight: 600;
  color: var(--green); font-size: .95rem;
}

/* ── SICAV & Costs Section ── */
/* Iceberg */
.iceberg-section {
  display: grid; grid-template-columns: 1fr 1fr; gap: 2rem;
  align-items: start; margin-bottom: 3rem;
}
.iceberg {
  background: var(--surface); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-lg);
}
.iceberg-above {
  padding: 1.5rem; background: #fff7ed;
}
.iceberg-above h3 { margin-bottom: .75rem; font-size: 1rem; }
.iceberg-waterline {
  height: 6px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
  position: relative;
}
.iceberg-waterline::after {
  content: '~~~~ SURFACE ~~~~';
  position: absolute; top: -10px; width: 100%; text-align: center;
  font-size: .7rem; color: var(--accent); font-weight: 700; letter-spacing: 2px;
}
.iceberg-below {
  padding: 1.5rem; background: #0f172a; color: #cbd5e1;
}
.iceberg-below h3 { color: #94a3b8; margin-bottom: .75rem; font-size: 1rem; }
.fee-row {
  display: flex; align-items: center; gap: .75rem;
  padding: .5rem 0; border-bottom: 1px solid rgba(255,255,255,.08);
  flex-wrap: wrap;
}
.visible-fee { border-bottom-color: rgba(0,0,0,.08); }
.fee-name { flex: 1; font-size: .88rem; min-width: 160px; }
.fee-val { font-weight: 700; font-size: .9rem; }
.fee-note { width: 100%; font-size: .75rem; color: var(--text-light); margin-top: .15rem; }
.iceberg-below .fee-note { color: #64748b; }

.total-cost-box {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; text-align: center; box-shadow: var(--shadow);
  display: flex; flex-direction: column; align-items: center; gap: .75rem;
}
.total-cost-range { display: flex; align-items: baseline; gap: .75rem; }
.big-number { font-size: 2.2rem; font-weight: 800; }

/* Impact comparison */
.cost-impact-section { margin-bottom: 3rem; }
.cost-impact-section h3 { text-align: center; margin-bottom: .5rem; font-size: 1.3rem; }
.impact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; margin: 2rem 0; }
.impact-card {
  border-radius: var(--radius); padding: 1.75rem;
  box-shadow: var(--shadow);
}
.impact-card h4 { margin-bottom: 1rem; font-size: 1.1rem; }
.bad-bg { background: #fff1f2; }
.good-bg { background: #ecfdf5; }
.impact-detail {
  display: flex; justify-content: space-between;
  padding: .4rem 0; border-bottom: 1px solid rgba(0,0,0,.06); font-size: .9rem;
}
.impact-result {
  margin-top: 1rem; padding-top: 1rem;
  border-top: 2px solid rgba(0,0,0,.1);
  display: flex; flex-direction: column; align-items: center; gap: .25rem;
}
.impact-diff {
  text-align: center; margin-top: 1.5rem;
  padding: 1.5rem; background: #fef2f2; border-radius: var(--radius);
  display: flex; flex-wrap: wrap; justify-content: center;
  align-items: baseline; gap: .5rem; font-size: 1rem;
}

/* Why active fails */
.why-active-fails { margin-bottom: 3rem; }
.why-active-fails h3 { text-align: center; margin-bottom: 1.5rem; font-size: 1.3rem; }

/* Cost calculator */
.cost-calculator {
  background: var(--surface); border-radius: var(--radius);
  padding: 2.5rem; box-shadow: var(--shadow-lg);
  margin-bottom: 3rem;
}
.cost-calculator h3 { text-align: center; margin-bottom: .5rem; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; margin-top: 2rem; }
.calc-inputs { display: flex; flex-direction: column; gap: 1rem; }

/* SICAV CTA */
.sicav-cta {
  background: linear-gradient(135deg, var(--primary), var(--purple));
  border-radius: var(--radius); padding: 2.5rem; color: #fff;
  box-shadow: var(--shadow-lg);
}
.sicav-cta h3 { text-align: center; margin-bottom: 1.5rem; font-size: 1.3rem; }
.cta-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; }
.cta-step {
  display: flex; gap: 1rem; align-items: flex-start;
  background: rgba(255,255,255,.12); border-radius: 10px; padding: 1.25rem;
}
.cta-step p { font-size: .9rem; line-height: 1.55; }
.step-num {
  background: #fff; color: var(--primary); width: 36px; height: 36px;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-weight: 800; flex-shrink: 0;
}

/* ── Simulator ── */
.simulator-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 2rem; }
.simulator-controls {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
}
.slider-group { margin-bottom: 1rem; }
.slider-group label {
  display: flex; justify-content: space-between;
  font-size: .9rem; font-weight: 500; margin-bottom: .25rem;
}
input[type="range"] {
  width: 100%; -webkit-appearance: none; height: 6px;
  border-radius: 3px; background: var(--border); outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px;
  border-radius: 50%; background: var(--primary); cursor: pointer;
  box-shadow: 0 2px 6px rgba(99,102,241,.3);
}
.total-bar {
  height: 28px; background: var(--border); border-radius: 8px;
  position: relative; margin: 1rem 0; overflow: hidden;
}
.total-fill {
  height: 100%; border-radius: 8px;
  background: linear-gradient(90deg, var(--green), var(--primary));
  transition: width .3s ease; width: 100%;
}
.total-bar span {
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem; font-weight: 600;
}
.sim-params { margin-top: 1.5rem; }
.param { margin-bottom: 1rem; }
.param label { display: block; font-size: .85rem; font-weight: 500; margin-bottom: .3rem; }
.param input[type="number"] {
  width: 100%; padding: .6rem .75rem; border-radius: 8px;
  border: 1.5px solid var(--border); font-size: .95rem;
  font-family: inherit; transition: var(--transition);
}
.param input[type="number"]:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(99,102,241,.1); }

.simulator-results {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow);
}
.result-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 1rem; margin-bottom: 1.5rem; }
.result-card {
  background: var(--bg-alt); border-radius: 10px; padding: 1rem;
  text-align: center;
}
.result-card.highlight-card { background: linear-gradient(135deg, var(--primary), var(--purple)); color: #fff; }
.result-card.highlight-card .result-value { color: #fff; }
.result-label { display: block; font-size: .75rem; font-weight: 500; color: var(--text-light); margin-bottom: .3rem; }
.highlight-card .result-label { color: rgba(255,255,255,.8); }
.result-value { font-size: 1.2rem; font-weight: 800; color: var(--text); }

.growth-chart {
  width: 100%; height: 260px; position: relative;
  background: var(--bg); border-radius: 10px; overflow: hidden;
}
.growth-chart canvas { width: 100% !important; height: 100% !important; }
.disclaimer { font-size: .78rem; color: var(--text-light); text-align: center; margin-top: 1rem; }

/* ── Glossary ── */
.glossary-search { max-width: 400px; margin: 0 auto 2rem; }
.glossary-search input {
  width: 100%; padding: .75rem 1rem; border-radius: 10px;
  border: 1.5px solid var(--border); font-size: .95rem;
  font-family: inherit; transition: var(--transition);
}
.glossary-search input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(99,102,241,.1); }
.glossary-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1rem; }
.glossary-item {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.25rem; box-shadow: var(--shadow);
  border-left: 4px solid var(--primary);
}
.glossary-item h4 { font-size: .95rem; margin-bottom: .35rem; color: var(--primary); }
.glossary-item p { font-size: .88rem; color: var(--text-light); line-height: 1.55; }

/* ── Bank Comparison Section ── */
.bank-source-badge {
  background: linear-gradient(135deg, #eef2ff, #e0e7ff);
  border: 1px solid #c7d2fe;
  border-radius: 12px; padding: .75rem 1.25rem;
  text-align: center; font-size: .88rem; color: #4338ca;
  margin-bottom: 2rem; font-weight: 500;
}
.bank-filter-tabs {
  display: flex; justify-content: center; gap: .5rem;
  margin-bottom: 2rem; flex-wrap: wrap;
}
.bank-tab {
  padding: .55rem 1.25rem; border-radius: 100px;
  border: 2px solid var(--border); background: var(--surface);
  font-weight: 600; font-size: .85rem; cursor: pointer;
  transition: var(--transition); color: var(--text-light);
}
.bank-tab:hover { border-color: var(--primary); color: var(--primary); }
.bank-tab.active {
  background: var(--primary); color: #fff;
  border-color: var(--primary);
}

.bank-cards-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(420px, 1fr));
  gap: 1.5rem; margin-bottom: 2.5rem;
}

.bank-card {
  background: var(--surface); border-radius: var(--radius);
  border: 1px solid var(--border); padding: 1.5rem;
  box-shadow: var(--shadow); transition: var(--transition);
  position: relative; overflow: hidden;
}
.bank-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.bank-card.hidden { display: none; }

.bank-card-header {
  display: flex; align-items: center; gap: 1rem; margin-bottom: 1rem;
}
.bank-logo-circle {
  width: 48px; height: 48px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 800; font-size: .9rem;
  flex-shrink: 0;
}
.bank-card-header h3 { font-size: 1.1rem; margin-bottom: .15rem; }

.bank-type-tag {
  display: inline-block; padding: .15rem .6rem;
  border-radius: 100px; font-size: .7rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .5px;
}
.bank-type-tag.broker { background: #dbeafe; color: #1d4ed8; }
.bank-type-tag.neobank { background: #dcfce7; color: #15803d; }
.bank-type-tag.traditional { background: #fef3c7; color: #b45309; }

.bank-score {
  margin-left: auto; font-size: 1.6rem; font-weight: 800;
  flex-shrink: 0; text-align: center; line-height: 1;
}
.bank-score small { font-size: .65rem; font-weight: 500; opacity: .6; }
.bank-score.score-excellent { color: #15803d; }
.bank-score.score-good { color: #65a30d; }
.bank-score.score-average { color: #ca8a04; }
.bank-score.score-poor { color: #ea580c; }
.bank-score.score-bad { color: #dc2626; }
.bank-score.not-surveyed {
  font-size: .75rem; font-weight: 600; color: var(--text-light);
  background: var(--bg-alt); padding: .35rem .65rem; border-radius: 8px;
}

/* Score chips row */
.bank-scores-row {
  display: flex; gap: .5rem; margin-bottom: 1rem; flex-wrap: wrap;
}
.score-chip {
  display: flex; flex-direction: column; align-items: center;
  padding: .4rem .65rem; border-radius: 8px;
  font-size: .7rem; flex: 1; min-width: 60px; text-align: center;
}
.score-chip span { font-size: .65rem; opacity: .8; margin-bottom: .15rem; }
.score-chip strong { font-size: 1rem; }
.score-chip.excellent { background: #dcfce7; color: #15803d; }
.score-chip.good { background: #f0fdf4; color: #65a30d; }
.score-chip.average { background: #fef9c3; color: #a16207; }
.score-chip.poor { background: #ffedd5; color: #c2410c; }
.score-chip.bad { background: #fee2e2; color: #dc2626; }
.score-chip.na { background: var(--bg-alt); color: var(--text-light); }

/* Pros & Cons */
.bank-pros-cons {
  display: flex; flex-direction: column; gap: .5rem;
  margin-bottom: 1rem; font-size: .85rem; line-height: 1.55;
}
.bank-pros { color: #15803d; }
.bank-cons { color: #dc2626; }
.bank-pros strong, .bank-cons strong { margin-right: .25rem; }

/* Deep Dive Toggle */
.bank-deepdive-toggle {
  width: 100%; padding: .65rem 1rem;
  background: linear-gradient(135deg, #eef2ff, #e0e7ff);
  border: 1px solid #c7d2fe; border-radius: 10px;
  font-weight: 600; font-size: .85rem; color: #4338ca;
  cursor: pointer; transition: var(--transition);
}
.bank-deepdive-toggle:hover { background: linear-gradient(135deg, #e0e7ff, #c7d2fe); }
.bank-deepdive-toggle.open { border-radius: 10px 10px 0 0; }

/* Deep Dive Panel */
.bank-deepdive {
  display: none; background: #f8faff;
  border: 1px solid #c7d2fe; border-top: none;
  border-radius: 0 0 10px 10px; padding: 1.25rem;
  margin-top: -1px;
}
.bank-deepdive.open { display: block; }
.bank-deepdive h4 {
  color: var(--primary); margin-bottom: 1rem;
  font-size: 1.05rem;
}

.dd-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.dd-item {
  background: #fff; border-radius: 10px;
  padding: 1rem; border: 1px solid #e2e8f0;
}
.dd-item strong { display: block; margin-bottom: .4rem; font-size: .9rem; }
.dd-item p { font-size: .82rem; line-height: 1.6; color: var(--text-light); }
.dd-item:last-child {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, #f0fdf4, #dcfce7);
  border-color: #bbf7d0;
}

/* Tax Disclaimer */
.bank-tax-disclaimer {
  background: linear-gradient(135deg, #0f172a, #1e293b);
  border-radius: var(--radius); padding: 2rem;
  color: #e2e8f0;
}
.bank-tax-disclaimer h3 {
  color: #fff; font-size: 1.2rem; margin-bottom: 1.5rem;
  text-align: center;
}
.tax-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.tax-item {
  background: rgba(255,255,255,.05);
  border-radius: 12px; padding: 1.25rem;
  border: 1px solid rgba(255,255,255,.08);
}
.tax-item strong {
  display: block; margin-bottom: .5rem;
  color: #a5b4fc; font-size: .95rem;
}
.tax-item p { font-size: .85rem; line-height: 1.6; color: #94a3b8; }
.tax-item:last-child {
  background: rgba(99,102,241,.15);
  border-color: rgba(99,102,241,.3);
}
.tax-item:last-child strong { color: #c4b5fd; }
.tax-item:last-child p { color: #c4b5fd; }

/* ── Footer ── */
footer { background: #0f172a; color: #94a3b8; padding: 3rem 0 0; }
.footer-content { display: flex; justify-content: space-between; gap: 2rem; flex-wrap: wrap; }
.footer-brand { flex: 1; min-width: 200px; }
.footer-brand .logo { color: #fff; }
.footer-brand p { margin-top: .5rem; font-size: .85rem; max-width: 320px; }
.footer-links h4 { color: #fff; margin-bottom: .75rem; }
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: .4rem; }
.footer-links a { color: #94a3b8; font-size: .88rem; }
.footer-links a:hover { color: var(--primary); }
.footer-bottom {
  text-align: center; padding: 1.5rem 0; margin-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.08); font-size: .82rem;
}

/* ── Back to Top ── */
.back-to-top {
  position: fixed; bottom: 2rem; right: 2rem;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--primary); color: #fff; font-size: 1.2rem;
  border: none; cursor: pointer;
  box-shadow: 0 4px 16px rgba(99,102,241,.3);
  opacity: 0; transform: translateY(20px);
  transition: var(--transition); z-index: 999;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover { background: var(--primary-dark); }

/* ── Chatbot ── */
.chatbot-fab {
  position: fixed; bottom: 2rem; left: 2rem;
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--primary); color: #fff; font-size: 1.5rem;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; box-shadow: 0 4px 20px rgba(99,102,241,.4);
  z-index: 1001; transition: var(--transition);
  border: none;
  animation: fab-pulse 2s ease-in-out infinite;
}
.chatbot-fab:hover { transform: scale(1.1); }
.chatbot-fab.hidden { opacity: 0; pointer-events: none; transform: scale(0); }
@keyframes fab-pulse {
  0%, 100% { box-shadow: 0 4px 20px rgba(99, 102, 241, .4); }
  50% { box-shadow: 0 4px 32px rgba(99, 102, 241, .7); }
}

.chatbot-window {
  position: fixed; bottom: 2rem; left: 2rem;
  width: 380px; max-height: 520px;
  background: var(--surface); border-radius: 16px;
  box-shadow: var(--shadow-lg); z-index: 1002;
  display: flex; flex-direction: column;
  transform: scale(0); transform-origin: bottom left;
  opacity: 0; transition: transform .3s ease, opacity .2s ease;
  overflow: hidden;
}
.chatbot-window.open { transform: scale(1); opacity: 1; }

.chat-header {
  background: var(--primary); color: #fff;
  padding: .85rem 1rem; display: flex;
  justify-content: space-between; align-items: center;
  font-weight: 600; font-size: .95rem;
}
.chat-close {
  background: none; border: none; color: #fff;
  font-size: 1.2rem; cursor: pointer; padding: .25rem;
}
.chat-messages {
  flex: 1; padding: 1rem; overflow-y: auto;
  max-height: 360px; min-height: 200px;
  display: flex; flex-direction: column; gap: .5rem;
}
.chat-msg {
  max-width: 85%; border-radius: 12px; padding: .6rem .85rem;
}
.chat-msg p { font-size: .88rem; line-height: 1.5; }
.chat-msg.bot {
  background: var(--bg-alt); align-self: flex-start;
  border-bottom-left-radius: 4px;
}
.chat-msg.user {
  background: var(--primary); color: #fff; align-self: flex-end;
  border-bottom-right-radius: 4px;
}
.chat-msg.typing { opacity: .6; }
.chat-input-row {
  display: flex; border-top: 1px solid var(--border); padding: .5rem;
}
.chat-input-row input {
  flex: 1; border: none; padding: .6rem .75rem;
  font-size: .9rem; font-family: inherit; outline: none;
}
.chat-input-row button {
  background: var(--primary); color: #fff; border: none;
  padding: .6rem 1rem; border-radius: 8px; font-weight: 600;
  cursor: pointer; transition: var(--transition); font-size: .85rem;
}
.chat-input-row button:hover { background: var(--primary-dark); }

/* ── Alternative Investments Section ── */
.alt-warning-banner {
  display: flex; gap: 1rem; align-items: flex-start;
  background: linear-gradient(135deg, #fff7ed, #fef3c7);
  border: 2px solid var(--amber);
  border-radius: var(--radius); padding: 1.25rem 1.5rem;
  margin-bottom: 1.5rem;
}
.alt-warning-icon { font-size: 2rem; flex-shrink: 0; }
.alt-warning-banner strong { color: #b45309; font-size: 1rem; display: block; margin-bottom: .3rem; }
.alt-warning-banner p { color: #92400e; font-size: .88rem; line-height: 1.6; margin: 0; }

/* Filter Chips */
.alt-filters {
  display: flex; flex-wrap: wrap; gap: .6rem;
  margin-bottom: 2rem; justify-content: center;
}
.alt-filter-chip {
  padding: .5rem 1.15rem; border-radius: 50px;
  border: 2px solid var(--border); background: var(--surface);
  font-size: .85rem; font-weight: 600; cursor: pointer;
  color: var(--text-light); transition: var(--transition);
  font-family: inherit;
}
.alt-filter-chip:hover {
  border-color: var(--primary); color: var(--primary);
  background: #eef2ff; transform: translateY(-1px);
}
.alt-filter-chip.active {
  background: var(--primary); color: #fff;
  border-color: var(--primary); box-shadow: 0 4px 12px rgba(99,102,241,.3);
}

.alt-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(380px, 1fr));
  gap: 1.75rem; margin-bottom: 2.5rem;
}
.alt-card {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem 1.75rem 1.75rem; box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all .35s cubic-bezier(.4,0,.2,1);
  overflow: hidden; position: relative;
  display: flex; flex-direction: column;
  padding-top: calc(5px + 1.5rem);
}
.alt-card::before {
  content: ''; position: absolute;
  top: 0; left: 0; right: 0; height: 5px;
  transition: height .3s ease;
}
.alt-card:hover::before { height: 6px; }
.alt-card.alt-hidden {
  display: none;
}
.alt-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(0,0,0,.1);
  border-color: transparent;
}
/* Accent top bar via ::before */
.alt-accent-art::before       { background: linear-gradient(90deg, #ec4899, #f472b6); }
.alt-accent-watches::before   { background: linear-gradient(90deg, #f59e0b, #fbbf24); }
.alt-accent-bags::before      { background: linear-gradient(90deg, #f43f5e, #fb7185); }
.alt-accent-wine::before      { background: linear-gradient(90deg, #991b1b, #dc2626); }
.alt-accent-cars::before      { background: linear-gradient(90deg, #ef4444, #f87171); }
.alt-accent-sneakers::before  { background: linear-gradient(90deg, #06b6d4, #22d3ee); }
.alt-accent-cards::before     { background: linear-gradient(90deg, #8b5cf6, #a78bfa); }
.alt-accent-realestate::before{ background: linear-gradient(90deg, #10b981, #34d399); }
/* Hover glow per accent */
.alt-accent-art:hover       { box-shadow: 0 20px 40px rgba(236,72,153,.15); }
.alt-accent-watches:hover   { box-shadow: 0 20px 40px rgba(245,158,11,.15); }
.alt-accent-bags:hover      { box-shadow: 0 20px 40px rgba(244,63,94,.15); }
.alt-accent-wine:hover      { box-shadow: 0 20px 40px rgba(153,27,27,.15); }
.alt-accent-cars:hover      { box-shadow: 0 20px 40px rgba(239,68,68,.15); }
.alt-accent-sneakers:hover  { box-shadow: 0 20px 40px rgba(6,182,212,.15); }
.alt-accent-cards:hover     { box-shadow: 0 20px 40px rgba(139,92,246,.15); }
.alt-accent-realestate:hover{ box-shadow: 0 20px 40px rgba(16,185,129,.15); }

.alt-card-header {
  display: flex; gap: 1rem; align-items: center; margin-bottom: 1rem;
  position: relative;
}
.alt-icon {
  font-size: 2.2rem; width: 56px; height: 56px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 14px; flex-shrink: 0;
  transition: transform .3s ease;
}
.alt-card:hover .alt-icon { transform: scale(1.1) rotate(-3deg); }
/* Icon backgrounds per accent */
.alt-accent-art .alt-icon       { background: linear-gradient(135deg, #fce7f3, #fbcfe8); }
.alt-accent-watches .alt-icon   { background: linear-gradient(135deg, #fef3c7, #fde68a); }
.alt-accent-bags .alt-icon      { background: linear-gradient(135deg, #ffe4e6, #fecdd3); }
.alt-accent-wine .alt-icon      { background: linear-gradient(135deg, #fef2f2, #fecaca); }
.alt-accent-cars .alt-icon      { background: linear-gradient(135deg, #fee2e2, #fca5a5); }
.alt-accent-sneakers .alt-icon  { background: linear-gradient(135deg, #cffafe, #a5f3fc); }
.alt-accent-cards .alt-icon     { background: linear-gradient(135deg, #ede9fe, #ddd6fe); }
.alt-accent-realestate .alt-icon{ background: linear-gradient(135deg, #d1fae5, #a7f3d0); }

.alt-card-header h3 { font-size: 1.05rem; margin-bottom: .3rem; }
.alt-tags { display: flex; gap: .4rem; flex-wrap: wrap; }
.alt-risk, .alt-expertise {
  font-size: .68rem; font-weight: 600; padding: .2rem .5rem;
  border-radius: 6px; text-transform: uppercase; letter-spacing: .02em;
}
.alt-risk.high { background: #fee2e2; color: #dc2626; }
.alt-risk.medium { background: #fef3c7; color: #d97706; }
.alt-expertise.expert { background: #ede9fe; color: #7c3aed; }
.alt-expertise.intermediate { background: #e0f2fe; color: #0284c7; }
.alt-expertise.beginner { background: #d1fae5; color: #059669; }

/* Return badge */
.alt-return-badge {
  margin-left: auto; flex-shrink: 0;
  background: linear-gradient(135deg, #eef2ff, #e0e7ff);
  color: var(--primary); font-weight: 800; font-size: .85rem;
  padding: .35rem .7rem; border-radius: 8px;
  border: 1px solid rgba(99,102,241,.2);
  white-space: nowrap;
}

.alt-card > p, .alt-card-body > p {
  color: var(--text-light); font-size: .88rem; line-height: 1.65;
  margin-bottom: 1.25rem; flex: 1;
}

.alt-pros-cons {
  display: grid; grid-template-columns: 1fr 1fr; gap: .75rem;
  margin-bottom: 1.25rem;
}
.alt-pros, .alt-cons {
  background: var(--bg-alt); border-radius: 10px; padding: .75rem .85rem;
}
.alt-pros { border-left: 3px solid var(--green); }
.alt-cons { border-left: 3px solid var(--red); }
.alt-pros-cons h4 { font-size: .8rem; margin-bottom: .4rem; }
.alt-pros ul, .alt-cons ul {
  list-style: none; padding: 0; margin: 0;
}
.alt-pros li, .alt-cons li {
  font-size: .78rem; color: var(--text-light); line-height: 1.5;
  padding: .2rem 0; padding-left: .5rem; position: relative;
}
.alt-pros li::before { content: "• "; color: var(--green); font-weight: 700; }
.alt-cons li::before { content: "• "; color: var(--red); font-weight: 700; }

.alt-entry {
  background: linear-gradient(135deg, var(--bg-alt), #f0f0f4);
  border-radius: 10px;
  padding: .75rem 1rem; font-size: .85rem;
  display: flex; gap: .5rem; align-items: center; flex-wrap: wrap;
  border: 1px solid var(--border);
}
.alt-entry span:first-child { font-weight: 700; white-space: nowrap; }

/* Show more / less */
.alt-show-more-btn {
  display: block; width: 100%; background: none;
  border: 1.5px dashed var(--border); border-radius: 8px;
  padding: .55rem; font-size: .82rem; font-weight: 600;
  color: var(--primary); cursor: pointer;
  font-family: inherit; transition: var(--transition);
  margin-top: .5rem;
}
.alt-show-more-btn:hover {
  background: #eef2ff; border-color: var(--primary);
}
.alt-show-more-btn.open {
  border-style: solid;
}

.alt-card-details {
  max-height: 0; overflow: hidden;
  transition: max-height .4s cubic-bezier(.4,0,.2,1), opacity .3s ease, margin .3s ease;
  opacity: 0; margin-top: 0;
}
.alt-card-details.open {
  max-height: 600px; opacity: 1; margin-top: 1rem;
}

/* Table toggle */
.alt-toggle-table-btn {
  display: block; width: 100%;
  background: var(--surface); border: 2px solid var(--border);
  border-radius: var(--radius); padding: 1rem;
  font-size: 1rem; font-weight: 700; color: var(--text);
  cursor: pointer; font-family: inherit;
  transition: var(--transition); margin-bottom: 1rem;
  box-shadow: var(--shadow);
}
.alt-toggle-table-btn:hover {
  border-color: var(--primary); color: var(--primary);
}
.alt-toggle-table-btn.open {
  border-color: var(--primary); color: var(--primary);
  border-bottom-left-radius: 0; border-bottom-right-radius: 0;
  margin-bottom: 0;
}
.alt-table-collapsed {
  max-height: 0; overflow: hidden; opacity: 0;
  transition: max-height .5s ease, opacity .3s ease;
  margin-bottom: 0;
  border-top: none; border-top-left-radius: 0; border-top-right-radius: 0;
}
.alt-table-collapsed.open {
  max-height: 1000px; opacity: 1;
  margin-bottom: 2rem;
}

/* Alt Comparison Table */
.alt-comparison-table {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; box-shadow: var(--shadow); margin-bottom: 2rem;
}
.alt-comparison-table h3 { text-align: center; margin-bottom: 1.5rem; font-size: 1.15rem; }
.alt-table-wrapper { overflow-x: auto; }
.alt-comparison-table table {
  width: 100%; border-collapse: collapse; font-size: .88rem;
}
.alt-comparison-table th {
  background: var(--bg-alt); padding: .75rem 1rem;
  text-align: left; font-weight: 600; font-size: .8rem;
  text-transform: uppercase; letter-spacing: .03em; color: var(--text-light);
  border-bottom: 2px solid var(--border);
}
.alt-comparison-table td {
  padding: .75rem 1rem; border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.alt-comparison-table tbody tr:hover { background: var(--bg-alt); }
.alt-badge {
  font-size: .7rem; font-weight: 600; padding: .2rem .5rem;
  border-radius: 6px; white-space: nowrap;
}
.alt-badge.high { background: #fee2e2; color: #dc2626; }
.alt-badge.medium { background: #fef3c7; color: #d97706; }
.alt-badge.beginner { background: #d1fae5; color: #059669; }
.alt-badge.intermediate { background: #e0f2fe; color: #0284c7; }
.alt-badge.expert { background: #ede9fe; color: #7c3aed; }
.alt-badge.high-liq { background: #d1fae5; color: #059669; }
.alt-badge.med-liq { background: #fef3c7; color: #d97706; }
.alt-badge.low-liq { background: #fee2e2; color: #dc2626; }
.alt-table-footnote {
  font-size: .78rem; color: var(--text-light);
  font-style: italic; margin-top: 1rem; text-align: center;
}

/* Alt Takeaway Box */
.alt-takeaway {
  background: linear-gradient(135deg, #eef2ff, #e0e7ff);
  border: 2px solid var(--primary);
  border-radius: var(--radius); padding: 1.75rem;
}
.alt-takeaway h3 { margin-bottom: .75rem; color: var(--primary-dark); }
.alt-takeaway p { color: var(--text); font-size: .95rem; line-height: 1.7; margin: 0; }

/* ── Investment Plan Wizard ── */
.plan-sentence-builder {
  background: linear-gradient(135deg, #6366f1, #8b5cf6);
  border-radius: var(--radius); padding: 2.5rem;
  text-align: center; margin-bottom: 2.5rem;
  box-shadow: 0 12px 40px rgba(99,102,241,.25);
}
.plan-sentence {
  font-size: 1.25rem; font-weight: 600; color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: .5rem; margin-bottom: 1.5rem; line-height: 2.2;
}
.plan-inline-input {
  display: inline-flex; align-items: center;
  background: rgba(255,255,255,.2); border-radius: 8px;
  padding: .2rem .5rem; border: 2px solid rgba(255,255,255,.4);
}
.plan-currency { color: #fff; font-weight: 700; margin-right: .2rem; }
.plan-inline-input input {
  background: transparent; border: none; color: #fff;
  font-size: 1.25rem; font-weight: 700; width: 80px;
  text-align: center; outline: none; font-family: inherit;
}
.plan-inline-input input::placeholder { color: rgba(255,255,255,.6); }
.plan-sentence select {
  background: rgba(255,255,255,.2); border: 2px solid rgba(255,255,255,.4);
  border-radius: 8px; color: #fff; font-size: 1rem; font-weight: 600;
  padding: .4rem .75rem; cursor: pointer; font-family: inherit;
  outline: none; appearance: none; -webkit-appearance: none; -moz-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='white'%3E%3Cpath d='M6 9L1 4h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .6rem center;
  padding-right: 2rem;
}
.plan-sentence select option { color: var(--text); background: var(--surface); }
.plan-start-btn { font-size: 1.1rem; padding: .9rem 2.5rem; background: #fff !important; color: var(--primary) !important; box-shadow: 0 4px 20px rgba(0,0,0,.15); }
.plan-start-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,.2); }

/* Wizard progress */
.plan-wizard {
  background: var(--surface); border-radius: var(--radius);
  padding: 2rem; box-shadow: var(--shadow); margin-bottom: 2rem;
}
.plan-progress {
  position: relative; margin-bottom: 2rem;
  background: var(--border); border-radius: 6px; height: 6px;
}
.plan-progress-bar {
  height: 100%; border-radius: 6px;
  background: linear-gradient(90deg, var(--primary), var(--purple));
  transition: width .4s ease; width: 20%;
}
.plan-step-indicators {
  display: flex; justify-content: space-between;
  position: relative; top: -14px; padding: 0 .5rem;
}
.plan-step-dot {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--border); color: var(--text-light);
  display: flex; align-items: center; justify-content: center;
  font-size: .7rem; font-weight: 700; transition: var(--transition);
}
.plan-step-dot.active { background: var(--primary); color: #fff; }
.plan-step-dot.completed { background: var(--green); color: #fff; }

/* Steps */
.plan-step { display: none; text-align: center; padding: 1rem 0; }
.plan-step.active { display: block; animation: planFadeIn .4s ease; }
@keyframes planFadeIn { from { opacity: 0; transform: translateX(20px); } to { opacity: 1; transform: translateX(0); } }
.plan-step-icon { font-size: 3rem; margin-bottom: .75rem; }
.plan-step h3 { font-size: 1.3rem; margin-bottom: .5rem; }
.plan-step > p { color: var(--text-light); font-size: .92rem; margin-bottom: 1.5rem; max-width: 600px; margin-left: auto; margin-right: auto; }

/* Option buttons – grid */
.plan-options-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: .75rem; max-width: 600px; margin: 0 auto 1.5rem;
}
.plan-option {
  background: var(--bg-alt); border: 2px solid var(--border);
  border-radius: 10px; padding: 1rem; cursor: pointer;
  font-size: 1rem; font-weight: 600; font-family: inherit;
  transition: var(--transition); text-align: center; color: var(--text);
}
.plan-option:hover { border-color: var(--primary); background: #eef2ff; }
.plan-option.active { border-color: var(--primary); background: #eef2ff; box-shadow: 0 0 0 3px rgba(99,102,241,.15); }
.plan-option small { display: block; font-size: .75rem; font-weight: 500; color: var(--text-light); margin-top: .2rem; }

/* Option buttons – vertical */
.plan-options-vertical { max-width: 600px; margin: 0 auto; display: flex; flex-direction: column; gap: .75rem; }
.plan-option-v {
  display: flex; align-items: center; gap: 1rem;
  background: var(--bg-alt); border: 2px solid var(--border);
  border-radius: 12px; padding: 1rem 1.25rem; cursor: pointer;
  text-align: left; transition: var(--transition); font-family: inherit;
  color: var(--text);
}
.plan-option-v:hover { border-color: var(--primary); background: #eef2ff; }
.plan-option-v.active { border-color: var(--primary); background: #eef2ff; box-shadow: 0 0 0 3px rgba(99,102,241,.15); }
.plan-option-emoji { font-size: 2rem; flex-shrink: 0; }
.plan-option-v strong { display: block; font-size: .95rem; margin-bottom: .15rem; }
.plan-option-v p { font-size: .82rem; color: var(--text-light); margin: 0; }

/* Custom input */
.plan-custom-input {
  max-width: 300px; margin: 0 auto;
}
.plan-custom-input label { display: block; font-size: .85rem; color: var(--text-light); margin-bottom: .3rem; }
.plan-custom-input input {
  width: 100%; padding: .65rem .85rem; border-radius: 8px;
  border: 1.5px solid var(--border); font-size: 1rem;
  font-family: inherit; text-align: center; font-weight: 600;
}
.plan-custom-input input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(99,102,241,.1); }

/* Nav buttons */
.plan-nav-buttons {
  display: flex; justify-content: space-between; margin-top: 2rem;
  padding-top: 1.5rem; border-top: 1px solid var(--border);
}
.plan-btn-back {
  background: var(--bg-alt); color: var(--text); border: 1.5px solid var(--border);
}
.plan-btn-back:hover { border-color: var(--primary); color: var(--primary); }
.plan-btn-next { margin-left: auto; }

/* ── Plan Results ── */
.plan-results { animation: planFadeIn .5s ease; }
.plan-results-header { text-align: center; margin-bottom: 2rem; }
.plan-results-header h3 { font-size: 1.5rem; margin-bottom: .5rem; }
.plan-results-header p { color: var(--text-light); font-size: .92rem; }

.plan-profile-card {
  display: flex; align-items: center; gap: 1.5rem;
  background: var(--surface); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow); margin-bottom: 1.5rem;
  flex-wrap: wrap;
}
.plan-profile-badge {
  background: linear-gradient(135deg, var(--primary), var(--purple));
  color: #fff; padding: .75rem 1.5rem; border-radius: 10px;
  font-weight: 700; font-size: 1.1rem; text-transform: uppercase;
  letter-spacing: .03em; white-space: nowrap;
}
.plan-profile-details { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.plan-detail { font-size: .9rem; color: var(--text-light); }
.plan-detail strong { color: var(--text); display: block; font-size: .95rem; }

.plan-allocation-card, .plan-etf-card, .plan-projection-card, .plan-action-card {
  background: var(--surface); border-radius: var(--radius);
  padding: 1.75rem; box-shadow: var(--shadow); margin-bottom: 1.5rem;
}
.plan-allocation-card h4, .plan-etf-card h4, .plan-projection-card h4, .plan-action-card h4 {
  font-size: 1.05rem; margin-bottom: 1.25rem;
}

/* Allocation bar */
.plan-alloc-bar {
  height: 40px; border-radius: 10px; overflow: hidden;
  display: flex; margin-bottom: 1rem;
}
.plan-alloc-segment {
  height: 100%; display: flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 700; color: #fff;
  transition: width .5s ease;
  min-width: 30px;
}
.plan-alloc-legend {
  display: flex; flex-wrap: wrap; gap: .75rem 1.5rem; justify-content: center;
}
.plan-alloc-legend-item {
  display: flex; align-items: center; gap: .4rem; font-size: .85rem;
}
.plan-alloc-dot {
  width: 12px; height: 12px; border-radius: 3px; flex-shrink: 0;
}

/* ETF grid */
.plan-etf-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1rem; margin-bottom: 1rem;
}
.plan-etf-item {
  background: var(--bg-alt); border-radius: 10px; padding: 1rem;
  border-left: 4px solid var(--primary);
}
.plan-etf-name { font-weight: 700; font-size: .95rem; margin-bottom: .2rem; }
.plan-etf-ticker { font-size: .8rem; color: var(--primary); font-weight: 600; margin-bottom: .3rem; }
.plan-etf-desc { font-size: .8rem; color: var(--text-light); line-height: 1.5; }

.plan-etf-note {
  font-size: .82rem; color: var(--text-light); text-align: center;
  background: var(--bg-alt); border-radius: 8px; padding: .75rem 1rem;
  margin-top: .5rem;
}

/* Projection results – reuse simulator .result-cards layout */
.plan-proj-results {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1rem; margin-bottom: 1.5rem;
}
.plan-proj-results .result-card {
  transition: transform .2s ease, box-shadow .2s ease;
}
.plan-proj-results .result-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(0,0,0,.08);
}

/* Action steps */
.plan-steps-list { display: flex; flex-direction: column; gap: 1rem; }
.plan-action-step {
  display: flex; align-items: flex-start; gap: 1rem;
}
.plan-action-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--purple));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .95rem; flex-shrink: 0;
}
.plan-action-step strong { font-size: .95rem; display: block; margin-bottom: .2rem; }
.plan-action-step p { font-size: .85rem; color: var(--text-light); margin: 0; line-height: 1.5; }

.plan-restart-row { text-align: center; margin-top: 2rem; }

/* ── Scroll Reveal ── */
.reveal {
  opacity: 0; transform: translateY(30px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ── Responsive ── */
@media (max-width: 900px) {
  .two-col, .comparison-grid, .impact-grid, .iceberg-section, .calc-grid, .mortgage-visual { grid-template-columns: 1fr; }
  .simulator-grid { grid-template-columns: 1fr; }
  .results-grid { grid-template-columns: 1fr; }
  .hero-landing { min-height: 70vh; padding-top: 6rem; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .bank-cards-grid { grid-template-columns: 1fr; }
  .dd-grid { grid-template-columns: 1fr; }
  .dd-item:last-child { grid-column: auto; }
  .tax-grid { grid-template-columns: 1fr; }
  .alt-cards-grid { grid-template-columns: 1fr; }
  .alt-pros-cons { grid-template-columns: 1fr; }
  .alt-return-badge { font-size: .75rem; padding: .25rem .5rem; }
  .plan-sentence { font-size: 1rem; }
  .plan-etf-grid { grid-template-columns: 1fr; }
  .plan-profile-card { flex-direction: column; text-align: center; }
  .plan-profile-details { justify-content: center; }
  .plan-proj-results { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 1100px) {
  .hamburger { display: flex; }
  .nav-bottom-row {
    position: absolute; top: 48px; left: 0; width: 100%;
    flex-direction: column; align-items: stretch;
    background: var(--surface);
    padding: 1rem 1.5rem; gap: .5rem;
    box-shadow: var(--shadow);
    transform: translateY(-10px); opacity: 0;
    pointer-events: none; transition: var(--transition);
  }
  .nav-bottom-row.open { transform: translateY(0); opacity: 1; pointer-events: all; }
  .nav-links {
    flex-direction: row; flex-wrap: wrap;
    justify-content: center; gap: .35rem;
  }
  .nav-links li { flex: 0 0 auto; }
  .nav-links a { padding: .6rem .9rem; font-size: .85rem; display: block; text-align: center; }
}
@media (max-width: 768px) {
  .nav-links {
    flex-direction: column; gap: .2rem;
  }
  .nav-links li { flex: 1 1 100%; }
  .nav-links a { padding: .7rem 1rem; text-align: left; }
  .principles-grid { grid-template-columns: 1fr; }
  .principle { padding-left: 4rem; }
  .cta-steps { grid-template-columns: 1fr; }
  .chatbot-window { width: calc(100vw - 2rem); left: 1rem; bottom: 1rem; }
  .chatbot-fab { bottom: 1rem; left: 1rem; }
  .hero-stats-row { gap: .5rem; }
  .hero-stat-pill { padding: .4rem .75rem; font-size: .78rem; }
  .cs-roadmap { gap: .25rem; padding: 1rem; }
  .cs-road-line { width: 16px; }
  .cs-road-step { padding: .35rem .5rem; }
  .cs-road-icon { font-size: 1.2rem; }
  .plan-sentence { font-size: .9rem; flex-direction: column; }
  .plan-sentence-builder { padding: 1.5rem; }
  .plan-options-grid { grid-template-columns: 1fr 1fr; }
  .alt-filters { gap: .4rem; }
  .alt-filter-chip { padding: .4rem .85rem; font-size: .78rem; }
}
@media (max-width: 480px) {
  .section { padding: 3rem 0; }
  .bar-group { gap: .5rem; }
  .bar { width: 40px; }
  .result-cards { grid-template-columns: 1fr 1fr; }
  .hero-landing h1 { font-size: 1.8rem; }
  .hero-stat-pill { font-size: .72rem; padding: .35rem .6rem; }
  .cs-lesson-card { padding: 1rem; }
  .cs-lesson-number { width: 36px; height: 36px; font-size: .85rem; }
}

/* ===== BELGIAN TAX & LEGISLATION SECTION ===== */

/* Highlight boxes (deposit guarantee, optimisation) */
.tax-highlight-box {
  display: flex;
  gap: 1rem;
  padding: 1.5rem;
  border-radius: 16px;
  margin-bottom: 1.5rem;
  line-height: 1.7;
}
.tax-highlight-box p,
.tax-highlight-box ul { margin: .4rem 0 0; font-size: .95rem; color: #334155; }
.tax-highlight-box strong { font-size: 1.05rem; }
.tax-highlight-icon { font-size: 2rem; flex-shrink: 0; }

.tax-highlight-safety {
  background: linear-gradient(135deg, #dbeafe 0%, #eff6ff 100%);
  border-left: 5px solid #3b82f6;
}
.tax-highlight-optimise {
  background: linear-gradient(135deg, #fef3c7 0%, #fffbeb 100%);
  border-left: 5px solid #f59e0b;
}
.tax-optimise-list {
  list-style: none;
  padding: 0;
}
.tax-optimise-list li {
  padding: .35rem 0;
  border-bottom: 1px solid rgba(0,0,0,.06);
}
.tax-optimise-list li:last-child { border-bottom: none; }

/* Grid heading */
.tax-grid-heading {
  text-align: center;
  font-size: 1.4rem;
  font-weight: 700;
  margin: 2.5rem 0 1.5rem;
  color: #1e293b;
}

/* Tax cards grid */
.tax-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(380px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}
.tax-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 12px rgba(0,0,0,.07);
  overflow: hidden;
  transition: transform .2s, box-shadow .2s;
}
.tax-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
}
.tax-card-header {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: 1.25rem 1.5rem;
  background: linear-gradient(135deg, #f8fafc 0%, #f1f5f9 100%);
  border-bottom: 1px solid #e2e8f0;
}
.tax-card-header h4 { margin: 0; font-size: 1.05rem; font-weight: 700; color: #1e293b; flex: 1; }
.tax-card-icon { font-size: 1.6rem; }

/* Liquidity badges */
.tax-liquidity-badge {
  font-size: .7rem;
  font-weight: 700;
  padding: .3rem .7rem;
  border-radius: 20px;
  white-space: nowrap;
  text-transform: uppercase;
  letter-spacing: .5px;
}
.tax-liq-high   { background: #dcfce7; color: #166534; }
.tax-liq-medium { background: #fef3c7; color: #92400e; }
.tax-liq-low    { background: #fee2e2; color: #991b1b; }

.tax-card-body { padding: 1.25rem 1.5rem; }
.tax-detail-row {
  display: flex;
  gap: .75rem;
  padding: .75rem 0;
  border-bottom: 1px solid #f1f5f9;
  font-size: .9rem;
  line-height: 1.6;
}
.tax-detail-row:last-child { border-bottom: none; }
.tax-label {
  flex-shrink: 0;
  width: 110px;
  font-weight: 700;
  color: #6366f1;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .4px;
  padding-top: 2px;
}
.tax-value { color: #334155; flex: 1; }

/* Comparison table */
.tax-table-wrapper {
  overflow-x: auto;
  margin-bottom: 2rem;
}
.tax-comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .88rem;
  min-width: 700px;
}
.tax-comparison-table th {
  background: #1e293b;
  color: #fff;
  padding: .85rem 1rem;
  text-align: left;
  font-weight: 600;
  white-space: nowrap;
}
.tax-comparison-table td {
  padding: .75rem 1rem;
  border-bottom: 1px solid #e2e8f0;
  color: #334155;
}
.tax-comparison-table tr:nth-child(even) { background: #f8fafc; }
.tax-comparison-table tr:hover { background: #eef2ff; }

/* Small liquidity badges in table */
.tax-liq-badge-sm {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  padding: .2rem .55rem;
  border-radius: 12px;
  white-space: nowrap;
}
.tax-liq-badge-sm.high   { background: #dcfce7; color: #166534; }
.tax-liq-badge-sm.medium { background: #fef3c7; color: #92400e; }
.tax-liq-badge-sm.low    { background: #fee2e2; color: #991b1b; }

.tax-table-footnote {
  font-size: .8rem;
  color: #64748b;
  margin-top: .75rem;
  font-style: italic;
}

/* Responsive */
@media (max-width: 768px) {
  .tax-grid { grid-template-columns: 1fr; }
  .tax-highlight-box { flex-direction: column; }
  .tax-detail-row { flex-direction: column; gap: .25rem; }
  .tax-label { width: auto; }
  .tax-card-header { flex-wrap: wrap; }
  .tax-comparison-table { font-size: .78rem; }
}

/* ===== PORTFOLIO TRACKER ===== */
.pf-upload-bar { display: flex; align-items: center; gap: 1rem; margin-bottom: 1.5rem; flex-wrap: wrap; }
.pf-upload-btn { display: inline-flex; align-items: center; gap: .5rem; padding: .6rem 1.2rem; background: #6366f1; color: #fff; border-radius: 10px; cursor: pointer; font-weight: 600; font-size: .88rem; transition: background .2s; }
.pf-upload-btn:hover { background: #4f46e5; }
.pf-upload-hint { font-size: .78rem; color: #64748b; }

.pf-categories { display: flex; flex-direction: column; gap: .75rem; margin-bottom: 2rem; }
.pf-category { background: #fff; border-radius: 14px; box-shadow: 0 2px 8px rgba(0,0,0,.06); overflow: hidden; }
.pf-cat-header { display: flex; justify-content: space-between; align-items: center; width: 100%; padding: 1rem 1.25rem; border: none; background: #f8fafc; font-family: inherit; font-size: 1rem; font-weight: 700; color: #1e293b; cursor: pointer; transition: background .2s; }
.pf-cat-header:hover { background: #eef2ff; }
.pf-cat-total { font-size: 1.1rem; color: #6366f1; font-weight: 800; }
.pf-cat-body { padding: 1rem 1.25rem; }
.pf-add-row { display: flex; gap: .5rem; flex-wrap: wrap; align-items: center; margin-top: .75rem; }
.pf-input { padding: .5rem .75rem; border: 1.5px solid #e2e8f0; border-radius: 8px; font-family: inherit; font-size: .85rem; color: #1e293b; }
.pf-input.pf-name { flex: 1; min-width: 120px; }
.pf-input.pf-value { width: 110px; }
.pf-input.pf-subtype { width: 150px; }
.pf-add-btn { padding: .5rem 1rem; background: #22c55e; color: #fff; border: none; border-radius: 8px; font-family: inherit; font-weight: 700; font-size: .82rem; cursor: pointer; white-space: nowrap; }
.pf-add-btn:hover { background: #16a34a; }

/* ── Chatbot CTA Section ── */
.section-chatbot-cta {
  padding: 3rem 0;
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #0f172a 100%);
}
.cta-chatbot-card {
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
  padding: 2.5rem 2rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 20px;
  backdrop-filter: blur(8px);
}
.cta-chatbot-icon { font-size: 3rem; margin-bottom: .75rem; }
.cta-chatbot-card .section-title { color: #fff; margin-bottom: .75rem; }
.cta-chatbot-desc { color: #cbd5e1; font-size: .95rem; line-height: 1.65; margin-bottom: 1.5rem; }
.cta-chatbot-tiers {
  display: flex; justify-content: center; gap: 1.5rem;
  margin-bottom: 1.5rem; flex-wrap: wrap;
}
.cta-tier {
  display: flex; flex-direction: column; align-items: center; gap: .2rem;
  font-size: .85rem; color: #e2e8f0;
}
.cta-tier-badge { font-size: 1.5rem; }
.cta-tier strong { font-size: .9rem; }
.cta-tier span:last-child { font-size: .78rem; color: #94a3b8; }
.cta-chatbot-btn { display: inline-block; margin-bottom: .75rem; }
.cta-chatbot-note { font-size: .8rem; color: #64748b; margin: 0; }
.pf-empty { color: #94a3b8; font-style: italic; font-size: .85rem; padding: .5rem 0; }
.pf-item { display: flex; align-items: center; gap: .75rem; padding: .5rem 0; border-bottom: 1px solid #f1f5f9; }
.pf-item:last-child { border-bottom: none; }
.pf-item-info { flex: 1; }
.pf-item-info strong { display: block; font-size: .9rem; color: #1e293b; }
.pf-item-sub { font-size: .72rem; color: #94a3b8; text-transform: uppercase; }
.pf-item-value { font-weight: 700; color: #6366f1; font-size: .95rem; }
.pf-item-delete { background: none; border: none; color: #ef4444; font-size: .9rem; cursor: pointer; padding: .25rem; }

/* Dashboard */
.pf-dashboard { background: #fff; border-radius: 16px; padding: 1.5rem; box-shadow: 0 4px 16px rgba(0,0,0,.08); }
.pf-dashboard h3 { font-size: 1.3rem; font-weight: 800; color: #1e293b; margin: 0 0 1.25rem; }
.pf-stats-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 1rem; margin-bottom: 1.5rem; }
.pf-stat-card { text-align: center; padding: 1rem; background: #f8fafc; border-radius: 12px; border: 1px solid #e2e8f0; }
.pf-stat-value { font-size: 1.5rem; font-weight: 800; color: #1e293b; }
.pf-stat-label { font-size: .75rem; color: #64748b; font-weight: 500; margin-top: .2rem; }

.pf-alloc-section { margin-bottom: 1.5rem; }
.pf-alloc-section h4 { margin: 0 0 .75rem; font-size: 1rem; color: #1e293b; }
.pf-alloc-bar { height: 20px; border-radius: 10px; overflow: hidden; background: #e2e8f0; display: flex; }
.pf-alloc-legend { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: .75rem; }
.pf-legend-item { font-size: .82rem; color: #334155; display: flex; align-items: center; gap: .3rem; }
.pf-legend-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }

.pf-risk-section { margin-bottom: 1.5rem; }
.pf-risk-section h4 { margin: 0 0 .75rem; font-size: 1rem; }
.pf-risk-meter { height: 10px; background: #e2e8f0; border-radius: 5px; overflow: hidden; margin-bottom: 1rem; }
.pf-risk-fill { height: 100%; border-radius: 5px; transition: width .5s; }
.pf-risk-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; margin-bottom: 1rem; }
.pf-risk-item { display: flex; justify-content: space-between; padding: .4rem .75rem; background: #f8fafc; border-radius: 8px; font-size: .82rem; }
.pf-risk-label { color: #64748b; }
.pf-risk-val { font-weight: 600; color: #1e293b; }
.pf-risk-warn { background: #fef2f2; border: 1px solid #fecaca; }
.pf-risk-warn .pf-risk-val { color: #dc2626; }

.pf-recommendations { background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: 12px; padding: 1rem; margin-bottom: 1rem; }
.pf-recommendations h5 { margin: 0 0 .5rem; font-size: .95rem; }
.pf-recommendations ul { margin: 0; padding-left: 1.25rem; }
.pf-recommendations li { font-size: .85rem; color: #334155; margin-bottom: .35rem; line-height: 1.5; }

.pf-market-conditions { background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 12px; padding: 1rem; }
.pf-market-conditions h5 { margin: 0 0 .5rem; font-size: .95rem; }

.pf-csv-result { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 1.25rem; margin-top: 1.5rem; }
.pf-csv-result h4 { margin: 0 0 .5rem; }

@media (max-width: 640px) {
  .pf-add-row { flex-direction: column; }
  .pf-input { width: 100% !important; min-width: auto !important; max-width: none !important; }
  .pf-risk-grid { grid-template-columns: 1fr; }
  .pf-stats-row { grid-template-columns: 1fr 1fr; }
}

/* ===== EXPENSE TRACKER ===== */
.pf-expense-section { margin-top: 2.5rem; }
.pf-expense-section h3 { font-size: 1.3rem; font-weight: 800; color: #1e293b; margin-bottom: .5rem; }
.exp-add-row { display: flex; gap: .5rem; flex-wrap: wrap; align-items: center; margin-bottom: 1rem; }
.exp-list { margin-bottom: 1.5rem; }
.exp-table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.exp-table th { text-align: left; padding: .6rem .5rem; background: #f8fafc; color: #64748b; font-weight: 600; font-size: .75rem; text-transform: uppercase; border-bottom: 2px solid #e2e8f0; }
.exp-table td { padding: .5rem; border-bottom: 1px solid #f1f5f9; vertical-align: middle; }
.exp-table tr:hover td { background: #f8fafc; }
.exp-value-slider { accent-color: #6366f1; }
.exp-vs-label { display: inline-block; width: 20px; text-align: center; font-weight: 700; color: #6366f1; }
.exp-value-analysis { margin-top: 1.5rem; }
.exp-value-analysis h5 { margin: 0 0 .75rem; font-size: .95rem; }
.exp-ranking { display: flex; flex-direction: column; gap: .5rem; }
.exp-rank-item { display: grid; grid-template-columns: 1fr 80px 100px 50px; gap: .5rem; align-items: center; padding: .4rem .75rem; background: #f8fafc; border-radius: 8px; font-size: .82rem; }
.exp-rank-name { color: #334155; }
.exp-rank-cost { color: #64748b; text-align: right; }
.exp-rank-bar { background: #e2e8f0; border-radius: 4px; height: 8px; overflow: hidden; }
.exp-rank-score { font-weight: 700; text-align: right; }
@media (max-width: 640px) {
  .exp-add-row { flex-direction: column; }
  .exp-table { font-size: .78rem; }
  .exp-table th:nth-child(5), .exp-table td:nth-child(5) { display: none; }
  .exp-rank-item { grid-template-columns: 1fr 60px 60px 40px; font-size: .75rem; }
}

/* ===== PROPERTY CALCULATOR ===== */
.prop-calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
@media (max-width: 900px) { .prop-calc-grid { grid-template-columns: 1fr; } }

.prop-form-card, .prop-results-card { background: #fff; border-radius: 16px; padding: 1.5rem; box-shadow: 0 2px 12px rgba(0,0,0,.07); }
.prop-form-card h3, .prop-results-card h3 { font-size: 1.15rem; font-weight: 800; color: #1e293b; margin: 0 0 1rem; }

.prop-group { margin-bottom: 1.25rem; padding-bottom: 1rem; border-bottom: 1px solid #f1f5f9; }
.prop-group:last-of-type { border-bottom: none; }
.prop-group h4 { font-size: .9rem; font-weight: 700; color: #6366f1; margin: 0 0 .75rem; }

.prop-field { margin-bottom: .75rem; }
.prop-field label { display: block; font-size: .78rem; font-weight: 600; color: #475569; margin-bottom: .3rem; text-transform: uppercase; letter-spacing: .3px; }
.prop-field input, .prop-field select { width: 100%; padding: .55rem .75rem; border: 1.5px solid #e2e8f0; border-radius: 8px; font-family: inherit; font-size: .88rem; color: #1e293b; box-sizing: border-box; }
.prop-field input:focus, .prop-field select:focus { outline: none; border-color: #6366f1; box-shadow: 0 0 0 3px rgba(99,102,241,.1); }
.prop-row { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
@media (max-width: 500px) { .prop-row { grid-template-columns: 1fr; } }

/* Results */
.prop-verdict { text-align: center; margin-bottom: 1.5rem; }
.prop-verdict-score { font-size: 2.5rem; font-weight: 900; }
.prop-verdict-label { font-size: 1.1rem; font-weight: 700; margin-bottom: .5rem; }
.prop-verdict-bar { height: 10px; background: #e2e8f0; border-radius: 6px; overflow: hidden; }

.prop-stats { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; margin-bottom: 1.5rem; }
.prop-stat { display: flex; justify-content: space-between; align-items: center; padding: .5rem .75rem; background: #f8fafc; border-radius: 8px; font-size: .82rem; }
.prop-stat-label { color: #64748b; }
.prop-stat-val { color: #1e293b; font-weight: 600; text-align: right; }
@media (max-width: 640px) { .prop-stats { grid-template-columns: 1fr; } }

.prop-cost-breakdown h4 { margin: 0 0 .75rem; font-size: 1rem; }
.prop-cost-table { width: 100%; border-collapse: collapse; font-size: .82rem; margin-bottom: 1rem; }
.prop-cost-table th { text-align: left; padding: .5rem; background: #f1f5f9; color: #64748b; font-weight: 600; font-size: .72rem; text-transform: uppercase; }
.prop-cost-table td { padding: .45rem .5rem; border-bottom: 1px solid #f1f5f9; color: #334155; }
.prop-cost-table tr.prop-cost-total { background: #eef2ff; }
.prop-cost-table tr.prop-cost-total td { font-weight: 700; border-top: 2px solid #6366f1; }

.prop-25yr-summary { background: linear-gradient(135deg, #f0fdf4 0%, #eff6ff 100%); border: 1px solid #bbf7d0; border-radius: 12px; padding: 1rem; font-size: .88rem; line-height: 1.8; margin-bottom: 1.5rem; }

.prop-risk-factors h4 { margin: 0 0 .75rem; font-size: 1rem; }