/* ========== RESET & VARS ========== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#070b14;--bg2:#0d1424;--card:rgba(14,21,40,.82);--card-solid:#0e1528;
  --inset:rgba(8,12,22,.7);--border:rgba(255,255,255,.06);--border-h:rgba(255,255,255,.12);
  --text:#eaf0ff;--text-dim:rgba(234,240,255,.55);--muted:rgba(234,240,255,.3);
  --emerald:#10e8a0;--emerald-dim:rgba(16,232,160,.12);--emerald-glow:rgba(16,232,160,.35);
  --sky:#38bdf8;--sky-dim:rgba(56,189,248,.1);
  --violet:#a78bfa;--violet-dim:rgba(167,139,250,.1);
  --coral:#f97066;
  --grad-hero:linear-gradient(135deg,#10e8a0 0%,#38bdf8 50%,#a78bfa 100%);
  --grad-accent:linear-gradient(135deg,#10e8a0,#0bc584);
  --track:rgba(255,255,255,.06);--grid:rgba(255,255,255,.04);
  --radius:20px;--radius-sm:14px;--radius-xs:10px;
  --header:rgba(7,11,20,.88);
  --shadow-card:0 4px 40px rgba(0,0,0,.4),0 0 0 1px rgba(255,255,255,.04);
  --shadow-glow:0 0 60px rgba(16,232,160,.08);
}
[data-theme="light"]{
  --bg:#f6f8fc;--bg2:#eef1f8;--card:rgba(255,255,255,.9);--card-solid:#fff;
  --inset:rgba(240,243,250,.8);--border:rgba(0,0,0,.07);--border-h:rgba(0,0,0,.14);
  --text:#0f172a;--text-dim:rgba(15,23,42,.55);--muted:rgba(15,23,42,.3);
  --emerald:#059669;--emerald-dim:rgba(5,150,105,.08);--emerald-glow:rgba(5,150,105,.2);
  --sky:#0284c7;--sky-dim:rgba(2,132,199,.07);
  --violet:#7c3aed;--violet-dim:rgba(124,58,237,.07);
  --coral:#dc2626;
  --grad-hero:linear-gradient(135deg,#059669 0%,#0284c7 50%,#7c3aed 100%);
  --grad-accent:linear-gradient(135deg,#059669,#047857);
  --track:rgba(0,0,0,.06);--grid:rgba(0,0,0,.05);
  --header:rgba(246,248,252,.9);
  --shadow-card:0 2px 24px rgba(0,0,0,.06),0 0 0 1px rgba(0,0,0,.04);
  --shadow-glow:0 0 40px rgba(5,150,105,.06);
}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Outfit',system-ui,sans-serif;background:var(--bg);color:var(--text);min-height:100vh;overflow-x:hidden;transition:background .5s,color .5s}

/* ========== AMBIENT BG ========== */
.scene{position:fixed;inset:0;pointer-events:none;z-index:0;overflow:hidden}
.scene .blob{position:absolute;border-radius:50%;filter:blur(100px);opacity:.5;transition:opacity .5s}
.blob-1{width:700px;height:700px;top:-20%;right:-15%;background:radial-gradient(circle,rgba(16,232,160,.1),transparent 70%)}
.blob-2{width:600px;height:600px;bottom:-15%;left:-12%;background:radial-gradient(circle,rgba(56,189,248,.07),transparent 70%)}
.blob-3{width:400px;height:400px;top:40%;left:50%;transform:translateX(-50%);background:radial-gradient(circle,rgba(167,139,250,.05),transparent 70%)}
.noise{position:fixed;inset:0;pointer-events:none;z-index:1;opacity:.025;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-size:128px 128px;
}

/* ========== HEADER ========== */
header{position:sticky;top:0;z-index:100;background:var(--header);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border-bottom:1px solid var(--border)}
.hdr{max-width:1080px;margin:0 auto;padding:14px 28px;display:flex;justify-content:space-between;align-items:center}
.logo-wrap{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--text)}
.logo-mark{width:38px;height:34px;border-radius:10px;background:var(--grad-accent);display:grid;place-items:center;font:700 11px/1 'JetBrains Mono',monospace;color:#fff;box-shadow:0 2px 12px var(--emerald-glow);letter-spacing:-.5px}
.logo-text{font-weight:700;font-size:18px;letter-spacing:-.4px}
.logo-text span{opacity:.4;font-weight:400;font-size:13px;margin-left:6px}
.hdr-right{display:flex;align-items:center;gap:16px}
.hdr-nav{display:flex;gap:4px}
.hdr-nav a{font-size:13px;font-weight:500;padding:6px 14px;border-radius:8px;text-decoration:none;color:var(--text-dim);transition:all .2s}
.hdr-nav a:hover,.hdr-nav a.active{color:var(--emerald);background:var(--emerald-dim)}
.theme-btn{width:46px;height:26px;border-radius:13px;border:1.5px solid var(--border-h);cursor:pointer;position:relative;background:var(--bg2);transition:all .3s;flex-shrink:0}
.theme-btn::after{content:'';width:18px;height:18px;border-radius:50%;background:var(--emerald);position:absolute;top:2.5px;left:3px;transition:.3s;box-shadow:0 0 8px var(--emerald-glow)}
[data-theme="light"] .theme-btn::after{left:22px;background:var(--sky)}

/* ========== MAIN ========== */
main{max-width:1080px;margin:0 auto;padding:0 24px;position:relative;z-index:2}

/* ========== HERO ========== */
.hero{text-align:center;padding:56px 0 40px}
.hero-badge{display:inline-flex;align-items:center;gap:8px;padding:6px 16px 6px 8px;border-radius:99px;background:var(--emerald-dim);border:1px solid rgba(16,232,160,.15);font-size:12px;font-weight:600;color:var(--emerald);margin-bottom:20px;letter-spacing:.3px}
.hero-badge .dot{width:7px;height:7px;border-radius:50%;background:var(--emerald);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
.hero h1{font-size:clamp(32px,6vw,56px);font-weight:800;letter-spacing:-1.5px;line-height:1.1;margin-bottom:16px}
.hero h1 em{font-style:normal;background:var(--grad-hero);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hero p{font-size:17px;color:var(--text-dim);max-width:620px;margin:0 auto;line-height:1.6}

/* ========== TABS ========== */
.tabs{display:flex;gap:6px;justify-content:center;flex-wrap:wrap;margin-bottom:36px;padding:6px;background:var(--card);border:1px solid var(--border);border-radius:16px;width:fit-content;margin-left:auto;margin-right:auto}
.tab{padding:11px 22px;border:none;border-radius:12px;background:transparent;color:var(--text-dim);font-size:14px;font-weight:600;cursor:pointer;transition:all .25s;font-family:inherit;white-space:nowrap;position:relative}
.tab.active{background:var(--emerald);color:#fff;box-shadow:0 4px 20px var(--emerald-glow)}
.tab:not(.active):hover{color:var(--text);background:var(--inset)}
.tab-icon{margin-right:6px}

/* ========== GLASS PANELS ========== */
.glass{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:32px;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:var(--shadow-card);transition:all .35s;position:relative;overflow:hidden}
.glass::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.08),transparent)}
.glass:hover{box-shadow:var(--shadow-card),var(--shadow-glow);border-color:var(--border-h)}
.glass+.glass{margin-top:24px}
.panel-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:36px}

/* ========== SLIDERS ========== */
.sg{margin-bottom:30px}
.sg-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.sg-label{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--text-dim)}
.sg-val{font-size:24px;font-weight:700;letter-spacing:-.5px;font-family:'Outfit',sans-serif}
.sg-wrap{position:relative;height:40px;display:flex;align-items:center}
.sg-track{position:absolute;width:100%;height:5px;border-radius:3px;background:var(--track)}
.sg-fill{position:absolute;height:5px;border-radius:3px;background:var(--grad-accent);transition:width .06s}
.sg-thumb{position:absolute;width:22px;height:22px;border-radius:50%;background:var(--emerald);box-shadow:0 0 0 4px var(--emerald-dim),0 0 16px var(--emerald-glow);transition:left .06s;pointer-events:none}
.sg input[type=range]{position:absolute;width:100%;height:40px;opacity:0;cursor:pointer;z-index:2;margin:0;-webkit-appearance:none}
.sg-mm{display:flex;justify-content:space-between;margin-top:8px;font-size:11px;color:var(--muted);font-weight:500}

/* ========== STAT CARDS ========== */
.stats{display:flex;gap:14px;flex-wrap:wrap}
.st{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);padding:20px;flex:1;min-width:140px;position:relative;overflow:hidden;transition:all .25s}
.st::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:var(--grad-accent);opacity:0;transition:opacity .25s}
.st:hover{transform:translateY(-3px);box-shadow:var(--shadow-card);border-color:var(--border-h)}
.st:hover::before{opacity:1}
.st-label{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:8px;font-weight:600}
.st-val{font-size:22px;font-weight:700;letter-spacing:-.4px}
.st-val.em{color:var(--emerald)}
.st-val.sky{color:var(--sky)}
.st-val.violet,.st-val.vi{color:var(--violet)}
.st-val.coral{color:var(--coral)}
.st-sub{font-size:12px;color:var(--text-dim);margin-top:5px}

/* ========== DONUT ========== */
.donut-wrap{position:relative;width:100%;height:230px}
.donut-center{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;pointer-events:none}
.donut-center .dc-big{font-size:20px;font-weight:700}
.donut-center .dc-sm{font-size:11px;color:var(--text-dim);margin-top:2px}
.legend{display:flex;gap:20px;justify-content:center;margin-top:8px}
.lg-item{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:500;color:var(--text-dim)}
.lg-dot{width:10px;height:10px;border-radius:50%}

/* ========== CHARTS ========== */
.chart-wrap{position:relative;width:100%;height:280px}
.chart-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
.chart-hdr h3{font-size:17px;font-weight:700;letter-spacing:-.3px}
.chart-hdr span{font-size:13px;color:var(--text-dim);font-weight:500}

/* ========== INSIGHT BOX ========== */
.insight{margin-top:24px;padding:20px 24px;background:var(--inset);border-radius:var(--radius-sm);border:1px solid var(--border);font-size:14px;line-height:1.8;color:var(--text-dim);position:relative;overflow:hidden}
.insight::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--grad-accent);border-radius:2px}
.insight strong{color:var(--text)}
.insight .hi{color:var(--emerald);font-weight:700}

/* ========== COMPOUND / TOGGLE BTNS ========== */
.cpd-wrap{margin-top:4px}
.cpd-label{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--text-dim);margin-bottom:12px}
.cpd-btns{display:flex;gap:8px;flex-wrap:wrap}
.cpd-btn{padding:9px 18px;border-radius:var(--radius-xs);font-size:13px;cursor:pointer;transition:all .2s;border:1.5px solid var(--border);background:transparent;color:var(--text-dim);font-family:inherit;font-weight:500}
.cpd-btn.on{background:var(--emerald);color:#fff;border-color:var(--emerald);font-weight:600;box-shadow:0 2px 12px var(--emerald-glow)}

/* ========== ADVANCED ========== */
.adv-btn{background:none;border:1px solid var(--border);border-radius:var(--radius-xs);padding:9px 18px;color:var(--text-dim);font-size:13px;cursor:pointer;transition:all .25s;display:inline-flex;align-items:center;gap:7px;font-family:inherit;font-weight:500}
.adv-btn:hover{border-color:var(--emerald);color:var(--emerald)}
.adv-box{margin-top:24px;padding:24px;background:var(--inset);border-radius:var(--radius-sm);border:1px solid var(--border)}
.goal-in{width:100%;padding:12px 16px;border-radius:var(--radius-xs);border:1.5px solid var(--border);background:var(--bg2);color:var(--text);font-size:15px;outline:none;font-family:inherit;transition:border-color .2s}
.goal-in:focus{border-color:var(--emerald)}
.goal-tip{margin-top:12px;padding:12px 16px;background:var(--emerald-dim);border:1px solid rgba(16,232,160,.12);border-radius:var(--radius-xs);font-size:13px;color:var(--emerald);font-weight:500}

/* ========== COMPARE ========== */
.cmp-row{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:24px}
.cmp-card{flex:1;min-width:240px;position:relative;padding-left:20px}
.cmp-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;border-radius:2px}
.cmp-card.sip::before{background:var(--emerald)}
.cmp-card.fd::before{background:var(--sky)}
.cmp-big{font-size:30px;font-weight:800;letter-spacing:-.5px;font-family:'Outfit',sans-serif}
.cmp-big.sip{color:var(--emerald)}
.cmp-big.fd{color:var(--sky)}

/* ========== BREAKDOWN TABLE ========== */
.table-wrap{overflow-x:auto;margin-top:16px;border-radius:var(--radius-sm);border:1px solid var(--border)}
.breakdown-table{width:100%;border-collapse:collapse;font-size:13px}
.breakdown-table th{text-align:left;padding:12px 16px;background:var(--inset);color:var(--text-dim);font-weight:600;text-transform:uppercase;letter-spacing:.5px;font-size:11px;border-bottom:1px solid var(--border)}
.breakdown-table td{padding:12px 16px;border-bottom:1px solid var(--border);color:var(--text-dim)}
.breakdown-table tr:last-child td{border-bottom:none}
.breakdown-table tr:hover td{background:var(--emerald-dim);color:var(--text)}
.breakdown-table td:first-child{font-weight:600;color:var(--text)}

/* ========== SEO CONTENT SECTIONS ========== */
.content-section{margin-top:48px}
.content-section h2{font-size:clamp(22px,3.5vw,30px);font-weight:800;letter-spacing:-.5px;margin-bottom:20px;line-height:1.2}
.content-section h2 em{font-style:normal;color:var(--emerald)}
.content-section h3{font-size:18px;font-weight:700;margin:24px 0 10px;letter-spacing:-.2px}
.content-section p,.content-section li{font-size:15px;line-height:1.8;color:var(--text-dim)}
.content-section ul{list-style:none;padding:0}
.content-section li{padding:6px 0 6px 24px;position:relative}
.content-section li::before{content:'';position:absolute;left:0;top:14px;width:8px;height:8px;border-radius:50%;background:var(--emerald-dim);border:2px solid var(--emerald)}
.formula-box{margin:20px 0;padding:20px 24px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);font-family:'JetBrains Mono',monospace;font-size:15px;color:var(--emerald);letter-spacing:.5px;overflow-x:auto}

/* ========== FAQ ========== */
.faq{margin-top:48px}
.faq h2{font-size:clamp(22px,3.5vw,30px);font-weight:800;letter-spacing:-.5px;margin-bottom:24px}
.faq-item{border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:10px;overflow:hidden;background:var(--card);transition:all .3s}
.faq-item:hover{border-color:var(--border-h)}
.faq-q{padding:18px 24px;font-size:15px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;-webkit-user-select:none;user-select:none}
.faq-q::after{content:'+';font-size:20px;color:var(--emerald);font-weight:300;transition:transform .3s;flex-shrink:0}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s;padding:0 24px}
.faq-item.open .faq-a{max-height:400px;padding:0 24px 20px}
.faq-a p{font-size:14px;line-height:1.8;color:var(--text-dim)}

/* ========== ALL CALCULATORS ========== */
.all-calcs{margin-top:72px;padding:0 24px;text-align:center}
.all-calcs h2{font-size:clamp(22px,3vw,28px);font-weight:700;letter-spacing:-.5px;margin-bottom:8px}
.all-calcs p.sub{color:var(--text-dim);font-size:15px;margin-bottom:32px}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px;max-width:900px;margin:0 auto}
.calc-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px 20px;text-decoration:none;color:var(--text);display:flex;align-items:center;gap:14px;transition:all .25s ease}
.calc-card:hover{border-color:var(--emerald);background:var(--emerald-dim);transform:translateY(-2px);box-shadow:0 8px 24px rgba(16,232,160,.1)}
.calc-card .cc-icon{width:44px;height:44px;border-radius:12px;background:var(--emerald-dim);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.calc-card .cc-info{text-align:left}
.calc-card .cc-name{font-weight:600;font-size:14px;line-height:1.3}
.calc-card .cc-desc{font-size:12px;color:var(--text-dim);margin-top:3px;line-height:1.4}

/* ========== FOOTER ========== */
footer{margin-top:64px;padding:32px 24px;border-top:1px solid var(--border);text-align:center}
footer p{font-size:12px;color:var(--muted);line-height:1.8}
footer a{color:var(--emerald);text-decoration:none}

/* ========== SECTIONS HIDDEN ========== */
.sec{display:none}
.sec.on{display:block;animation:riseIn .45s ease-out both}
.hidden{display:none!important}

/* ========== ANIMATIONS ========== */
@keyframes fadeUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
@keyframes riseIn{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
.ani{animation:fadeUp .6s ease-out both}
.ani-d1{animation-delay:.1s}
.ani-d2{animation-delay:.2s}
.ani-d3{animation-delay:.3s}

/* ========== RESPONSIVE ========== */
@media(max-width:768px){
  .glass{padding:24px;border-radius:16px}
  .hero{padding:40px 0 28px}
  .hdr-nav{display:none}
  .stats{flex-direction:column}
  .st{min-width:auto}
  .cmp-row{flex-direction:column}
  .tabs{padding:5px}
  .tab{padding:9px 16px;font-size:13px}
  .panel-grid{grid-template-columns:1fr;gap:28px}
  .breakdown-table{font-size:12px}
  .breakdown-table th,.breakdown-table td{padding:10px 10px}
}
@media(max-width:400px){
  .glass{padding:18px 16px}
  .hero h1{font-size:28px}
}