@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

:root{
  --navy:#0a1f38; --navy-2:#0e2a4d; --emerald:#10b981; --emerald-d:#059669;
  --gold:#f59e0b; --bg:#f7fafc; --card:#ffffff; --ink:#12233a; --muted:#5b6b82;
  --line:#e4eaf1; --radius:20px;
  --shadow-sm:0 1px 3px rgba(10,31,56,.08);
  --shadow-md:0 10px 34px rgba(10,31,56,.12);
  --shadow-lg:0 24px 60px rgba(10,31,56,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
::selection{background:#d1fae5}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.86);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{color:var(--navy);text-decoration:none;font-weight:900;font-size:1.3rem;letter-spacing:-.02em;display:inline-flex;align-items:center;gap:10px}
.logo-mark{width:34px;height:34px;flex:none}
.logo span{color:var(--emerald-d)}
.site-header nav a{color:var(--muted);text-decoration:none;margin-left:22px;font-size:.93rem;font-weight:600;transition:color .2s}
.site-header nav a:hover{color:var(--navy)}

/* ---------- Hero ---------- */
.hero-wrap{background:radial-gradient(1200px 500px at 20% -10%,#14467c 0%,transparent 60%),radial-gradient(900px 420px at 90% 0%,#0b5c4a 0%,transparent 55%),linear-gradient(160deg,var(--navy) 0%,#0a1a33 100%);color:#fff;padding:64px 0 120px;position:relative;overflow:hidden}
.hero{max-width:1120px;margin:0 auto;padding:0 20px;text-align:center;position:relative;z-index:1}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(16,185,129,.14);border:1px solid rgba(16,185,129,.45);color:#a7f3d0;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:8px 16px;border-radius:999px;margin-bottom:22px}
.badge .dot{width:8px;height:8px;border-radius:50%;background:var(--emerald);box-shadow:0 0 10px var(--emerald);animation:pulse 2s infinite}
@keyframes pulse{50%{opacity:.4}}
.hero h1{font-size:clamp(1.9rem,5vw,3.2rem);font-weight:800;letter-spacing:-.03em;line-height:1.15;margin-bottom:14px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#34d399,#a7f3d0);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .sub{color:#b9c6d8;font-size:clamp(1rem,2.4vw,1.18rem);max-width:640px;margin:0 auto 30px}
.trust-row{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;margin-top:26px;color:#8fa1b8;font-size:.86rem;font-weight:500}
.trust-row span{display:inline-flex;align-items:center;gap:7px}
.trust-row svg{width:15px;height:15px;stroke:var(--emerald);flex-shrink:0}

/* ---------- Calculator card ---------- */
.calc-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px;max-width:780px;margin:-86px auto 0;box-shadow:var(--shadow-lg);position:relative;z-index:5;text-align:left}
.calc-grid{display:grid;grid-template-columns:1fr;gap:16px;margin-bottom:20px}
@media(min-width:680px){.calc-grid{grid-template-columns:1fr 1fr 1fr}}
@media(min-width:680px){.calc-grid.sd-grid{grid-template-columns:1fr 1fr}}
.calc-card label{font-size:.82rem;font-weight:700;color:var(--navy);display:block;letter-spacing:.01em}
.calc-card input,.calc-card select{width:100%;margin-top:8px;padding:15px 16px;border:2px solid var(--line);border-radius:14px;font-size:1.02rem;font-family:inherit;background:#fbfdff;color:var(--ink);transition:border-color .2s,box-shadow .2s;appearance:none}
.calc-card input:focus,.calc-card select:focus{outline:none;border-color:var(--emerald);box-shadow:0 0 0 4px rgba(16,185,129,.14);background:#fff}
.calc-card select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%235b6b82' stroke-width='2.4'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center}
.input-money{position:relative;display:block}
.input-money>span{position:absolute;left:16px;top:50%;transform:translateY(-42%);color:var(--muted);font-weight:600}
.input-money input{padding-left:34px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:linear-gradient(135deg,var(--emerald),var(--emerald-d));color:#fff;border:none;border-radius:14px;padding:17px 30px;font-size:1.06rem;font-weight:800;font-family:inherit;cursor:pointer;text-decoration:none;letter-spacing:-.01em;box-shadow:0 10px 24px rgba(16,185,129,.35);transition:transform .15s,box-shadow .2s;width:100%}
.btn:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(16,185,129,.45)}
.btn:active{transform:translateY(0)}
.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--line);box-shadow:none;font-size:.95rem;padding:12px 20px;width:auto}
.btn.ghost:hover{border-color:var(--emerald);color:var(--emerald-d)}
.error{color:#dc2626;margin-top:12px;font-size:.9rem;font-weight:600}

/* ---------- Results ---------- */
.results{margin-top:26px;border-top:1px solid var(--line);padding-top:26px;animation:fadeUp .5s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.takehome{text-align:center;background:linear-gradient(135deg,#ecfdf5,#d1fae5);border:1px solid #a7f3d0;border-radius:16px;padding:26px 20px;margin-bottom:20px;position:relative;overflow:hidden}
.takehome::before{content:"";position:absolute;top:-40px;right:-40px;width:140px;height:140px;background:radial-gradient(circle,rgba(16,185,129,.25),transparent 70%)}
.th-label{font-size:.78rem;color:var(--emerald-d);text-transform:uppercase;letter-spacing:.1em;font-weight:800;margin-bottom:6px}
.th-annual{font-size:clamp(2.4rem,8vw,3.4rem);font-weight:900;color:var(--navy);letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.chip-row{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;margin-top:14px}
.chip{background:#fff;border:1px solid #a7f3d0;border-radius:999px;padding:7px 16px;font-size:.88rem;color:var(--muted);font-weight:600}
.chip b{color:var(--navy);font-variant-numeric:tabular-nums}
.chip.rate{background:var(--navy);color:#fff;border-color:var(--navy)}
.chip.rate b{color:#a7f3d0}
.breakdown{margin-top:6px}
.breakdown .row{display:grid;grid-template-columns:130px 1fr 96px;align-items:center;gap:12px;margin:11px 0;font-size:.93rem}
.breakdown .row .name{color:var(--muted);font-weight:600;font-size:.86rem}
.breakdown .bar{height:12px;background:#eef2f7;border-radius:999px;overflow:hidden}
.breakdown .bar i{display:block;height:100%;border-radius:999px;width:0;transition:width 1s cubic-bezier(.22,1,.36,1)}
.breakdown .amt{text-align:right;font-weight:700;font-variant-numeric:tabular-nums}
.breakdown .total-row{border-top:2px solid var(--line);padding-top:12px;margin-top:12px}
.share-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.fine{font-size:.8rem;color:var(--muted);margin-top:14px}

/* ---------- Ad slots ---------- */
.ad-slot{min-height:90px;display:flex;align-items:center;justify-content:center;margin:26px auto;color:#9fb0c3;font-size:.78rem;letter-spacing:.04em;border:1px dashed #d4dde8;border-radius:12px;background:#f1f5f9}
.ad-slot:empty::after{content:"Advertisement"}

/* ---------- Content sections ---------- */
.content{padding:44px 20px;max-width:860px}
.content h2{color:var(--navy);margin:34px 0 12px;font-size:clamp(1.3rem,3vw,1.6rem);font-weight:800;letter-spacing:-.02em}
.content h2:first-child{margin-top:0}
.content p,.content ol{margin-bottom:14px;color:#3b4c63}
.content ol{padding-left:22px}
.content a{color:var(--emerald-d);font-weight:600}
.section-title{text-align:center;margin:44px 0 8px}
.section-title h2{color:var(--navy);font-size:clamp(1.4rem,3.4vw,1.9rem);font-weight:800;letter-spacing:-.02em}
.section-title .sub{color:var(--muted);margin-top:6px}

/* ---------- State grid ---------- */
.state-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:22px 0 8px}
@media(min-width:680px){.state-grid{grid-template-columns:repeat(4,1fr)}}
.state-grid a{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none;color:var(--navy);font-weight:700;font-size:.93rem;display:flex;justify-content:space-between;align-items:center;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .2s,border-color .2s}
.state-grid a:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--emerald)}
.state-grid a small{font-weight:600;font-size:.72rem;padding:4px 10px;border-radius:999px;background:#eef2f7;color:var(--muted)}
.state-grid a small.notax{background:#d1fae5;color:var(--emerald-d)}

/* ---------- Showdown promo ---------- */
.showdown-promo{background:linear-gradient(135deg,#0a1f38,#0d3b2e 130%);color:#fff;border-radius:24px;padding:44px 28px;text-align:center;margin:44px 20px;max-width:1080px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.showdown-promo::before{content:"⚡";position:absolute;font-size:11rem;opacity:.07;right:-16px;top:-30px;transform:rotate(-12deg)}
.showdown-promo h2{margin-bottom:10px;font-size:clamp(1.5rem,4vw,2.1rem);font-weight:800;letter-spacing:-.02em}
.showdown-promo p{color:#b9c6d8;margin-bottom:24px;max-width:520px;margin-left:auto;margin-right:auto}
.showdown-promo .btn{width:auto}

/* ---------- FAQ ---------- */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0;overflow:hidden;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--shadow-sm)}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy);padding:16px 18px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--emerald-d);font-weight:400;flex-shrink:0;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0;padding:0 18px 18px;color:#3b4c63}

/* ---------- Page hero / tables ---------- */
.page-hero{background:linear-gradient(160deg,var(--navy),#0a1a33);color:#fff;padding:52px 20px;text-align:center}
.page-hero h1{font-size:clamp(1.6rem,4.5vw,2.3rem);font-weight:800;letter-spacing:-.02em;margin-bottom:10px}
.page-hero p{color:#b9c6d8;max-width:640px;margin:0 auto}
table.data{width:100%;border-collapse:collapse;margin:18px 0;background:#fff;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--line)}
table.data th,table.data td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;font-size:.92rem}
table.data th{background:var(--navy);color:#fff;font-weight:700}
table.data tr:last-child td{border-bottom:none}

/* ---------- Showdown ranks ---------- */
.podium{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:20px 0 8px}
.podium .p{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 12px;text-align:center;box-shadow:var(--shadow-sm)}
.podium .p.first{border:2px solid var(--gold);box-shadow:0 10px 30px rgba(245,158,11,.25);order:2}
.podium .p.second{order:1;margin-top:18px}
.podium .p.third{order:3;margin-top:18px}
.podium .medal{font-size:2rem}
.podium .pname{font-weight:800;color:var(--navy);margin:6px 0 2px}
.podium .pkeep{font-weight:800;color:var(--emerald-d);font-size:1.15rem;font-variant-numeric:tabular-nums}
.rank-row{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin-bottom:8px;box-shadow:var(--shadow-sm)}
.rank-row .r{font-weight:900;color:var(--emerald-d);width:40px;font-variant-numeric:tabular-nums}
.rank-row .s{flex:1;font-weight:600}
.rank-row .k{font-variant-numeric:tabular-nums;font-weight:800}
.rank-row.hl{border:2px solid var(--emerald);background:#ecfdf5}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#8fa1b8;margin-top:60px;padding:44px 0 30px}
.site-footer .wrap{display:flex;flex-direction:column;gap:14px;align-items:center;text-align:center}
.site-footer .logo{color:#fff}
.site-footer nav a{color:#b9c6d8;text-decoration:none;margin:0 12px;font-size:.9rem;font-weight:500}
.site-footer nav a:hover{color:#fff}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}.breakdown .bar i{transition:none}}