:root {
  --navy: #071b3d;
  --navy-2: #102f61;
  --green: #0b8f67;
  --teal: #0d9aa7;
  --blue: #1769e8;
  --purple: #7057dc;
  --amber: #df8b16;
  --ink: #17223d;
  --muted: #5c6b88;
  --line: #dbe5f2;
  --soft: #f6f9fd;
  --card: #ffffff;
  --shadow: 0 18px 50px rgba(18, 40, 78, 0.10);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 85% 8%, rgba(23,105,232,.07), transparent 28%),
    radial-gradient(circle at 12% 30%, rgba(11,143,103,.06), transparent 26%),
    #fff;
}
a { color: inherit; }
.no-js-warning { background: #fff3cd; color: #4d3a00; padding: 12px 20px; text-align: center; font-weight: 800; }

.site-header {
  position: sticky; top: 0; z-index: 20;
  display: flex; align-items: center; justify-content: space-between; gap: 22px;
  padding: 17px 6vw;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(219,229,242,.86);
}
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 900; line-height: 1; letter-spacing: -.02em; }
.brand-icon { width: 42px; height: 42px; display: inline-grid; place-items: center; }
.brand-icon svg { width: 42px; height: 42px; }
.brand-icon rect { fill: #fff; stroke: var(--line); }
.brand-icon path { fill: none; stroke-linecap: round; stroke-linejoin: round; stroke-width: 3.5; }
.brand-icon path:nth-of-type(1) { stroke: var(--blue); }
.brand-icon path:nth-of-type(2) { stroke: var(--green); }
.brand-break { display: none; }
.nav { display: flex; align-items: center; gap: 26px; font-size: 14px; font-weight: 780; }
.nav a { text-decoration: none; color: var(--navy); }
.nav a:hover { color: var(--green); }
.header-button, .primary-button, .secondary-button {
  border: 0; border-radius: 12px; padding: 13px 19px; font-weight: 850; cursor: pointer; text-decoration: none; display: inline-flex; align-items: center; justify-content: center;
}
.header-button, .primary-button { color: #fff; background: linear-gradient(135deg, #0b8f67, #1769e8); box-shadow: 0 12px 24px rgba(23,105,232,.18); }
.secondary-button { color: var(--navy); background: #fff; border: 1px solid #bfcde2; }
.full-width { width: 100%; }
.mobile-menu-button { display: none; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 10px 12px; font-size: 20px; }

.home-hero {
  min-height: 620px;
  display: grid;
  grid-template-columns: minmax(0, .95fr) minmax(380px, 1.05fr);
  gap: 38px;
  align-items: center;
  padding: 58px 6vw 42px;
  border-bottom: 1px solid var(--line);
  overflow: hidden;
}
.eyebrow { display: inline-flex; padding: 8px 12px; border-radius: 999px; color: var(--green); background: #e9f8f2; font-weight: 850; margin: 0 0 18px; }
.hero-copy h1, .tool-hero h1, .knowledge-hero h1 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(44px, 6vw, 78px);
  line-height: .95;
  letter-spacing: -.055em;
}
.hero-copy h1 span { color: var(--green); }
.hero-subtitle, .tool-hero p, .knowledge-hero p {
  max-width: 650px; color: var(--muted); line-height: 1.55; font-size: 20px; font-weight: 620;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }

.mountain-panel {
  position: relative;
  min-height: 500px;
  border-radius: 34px;
  overflow: hidden;
  background: linear-gradient(180deg, #eef8ff, #ffffff 46%, #dff3e7 100%);
}
.sun { position: absolute; top: 150px; left: 44%; width: 86px; height: 86px; border-radius: 50%; background: #fff0a3; box-shadow: 0 0 50px rgba(255,240,163,.75); }
.mountain { position: absolute; bottom: 0; clip-path: polygon(50% 0, 100% 100%, 0 100%); }
.mountain.back { width: 520px; height: 320px; right: 70px; background: linear-gradient(135deg, #cfdef2, #7ab0e8); opacity: .7; }
.mountain.front { width: 620px; height: 410px; right: -12px; background: linear-gradient(135deg, #c7dcfb, #3b7dc2 52%, #2d7f69); }
.path { position: absolute; right: 140px; bottom: -80px; width: 120px; height: 520px; transform: rotate(28deg); border-radius: 999px; background: linear-gradient(90deg, #fff5dc, #ffffff); box-shadow: 0 0 0 8px rgba(255,255,255,.45); }
.milestone-marker { position: absolute; padding: 9px 13px; border-radius: 9px; color: #fff; font-weight: 900; box-shadow: 0 12px 24px rgba(0,0,0,.14); }
.marker-10 { left: 100px; bottom: 95px; background: var(--blue); }
.marker-100 { left: 230px; bottom: 205px; background: var(--green); }
.marker-500 { right: 200px; top: 170px; background: var(--blue); }
.marker-1m { right: 84px; top: 80px; background: var(--green); }

.section, .snapshot-section, .notice-card, .tool-shell, .bookmark-card, .neutral-box, .partner-space {
  width: min(1120px, calc(100% - 40px));
  margin: 28px auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255,255,255,.96);
  box-shadow: var(--shadow);
}
.section { padding: 30px; }
.section-heading { display: flex; justify-content: space-between; gap: 22px; align-items: flex-start; margin-bottom: 22px; }
.section-heading.centred { display: block; text-align: center; }
.section-heading h2, .snapshot-section h2, .tool-shell h2, .neutral-box h2, .partner-space h2 {
  margin: 0 0 8px; color: var(--navy); letter-spacing: -.035em; font-size: 30px;
}
.section-heading p, .snapshot-section p, .neutral-box p, .partner-space p { margin: 0; color: var(--muted); line-height: 1.55; }

.snapshot-section { padding: 28px; }
.snapshot-card { display: grid; grid-template-columns: 1.1fr 1fr 1fr 1.2fr; gap: 0; border: 1px solid var(--line); border-radius: 20px; overflow: hidden; background: #fff; }
.snapshot-item { padding: 24px; border-right: 1px solid var(--line); display: grid; gap: 6px; }
.snapshot-item span { color: var(--muted); font-size: 13px; font-weight: 800; }
.snapshot-item strong { color: var(--green); font-size: 26px; letter-spacing: -.04em; }
.snapshot-item small { color: var(--muted); }
.snapshot-item.highlight { background: #f0fbf6; }
.mini-chart { display: grid; place-items: center; padding: 18px; }

.card-grid { display: grid; gap: 20px; }
.card-grid.three { grid-template-columns: repeat(3, 1fr); }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.feature-card, .plain-card, .knowledge-card {
  display: block; padding: 26px; border: 1px solid var(--line); border-radius: 20px; text-decoration: none; background: #fff; transition: transform .18s ease, box-shadow .18s ease;
}
.feature-card:hover, .knowledge-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.feature-card h3, .plain-card h3, .knowledge-card h3 { margin: 14px 0 8px; color: var(--navy); }
.feature-card p, .plain-card p, .knowledge-card p { color: var(--muted); line-height: 1.55; }
.feature-card strong, .knowledge-card a { color: var(--green); text-decoration: none; font-weight: 900; }
.feature-icon { width: 58px; height: 58px; display: inline-grid; place-items: center; border-radius: 19px; font-weight: 900; font-size: 24px; }
.feature-icon.blue { color: var(--blue); background: #eef5ff; }
.feature-icon.green { color: var(--green); background: #e9f8f2; }
.feature-icon.purple { color: var(--purple); background: #f1edff; }
.feature-icon.teal { color: var(--teal); background: #e8fbfd; }
.feature-icon.amber { color: var(--amber); background: #fff5e9; }
.muted-section { background: linear-gradient(135deg, #f4faff, #ffffff); }

.notice-card { padding: 22px 26px; border-color: #ffd897; background: #fff8eb; color: #4b3a18; box-shadow: none; line-height: 1.55; }

.tool-hero, .knowledge-hero {
  padding: 46px 6vw 24px;
}
.tool-hero h1 { font-size: clamp(40px, 5vw, 58px); }
.breadcrumb { font-size: 13px !important; color: var(--muted); margin-bottom: 12px; }
.tool-shell {
  display: grid;
  grid-template-columns: minmax(320px, .9fr) minmax(420px, 1.1fr);
  gap: 0;
  overflow: hidden;
}
.input-panel, .results-panel { padding: 28px; }
.input-panel { border-right: 1px solid var(--line); background: #fbfdff; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.form-grid.single { grid-template-columns: 1fr; }
label { display: grid; gap: 7px; color: var(--navy); font-weight: 850; font-size: 14px; }
input, select {
  width: 100%; min-height: 52px; border: 1px solid #cdd9ea; border-radius: 12px; padding: 0 13px; background: #fff; color: var(--navy); font: inherit; font-weight: 760; outline: none;
}
input:focus, select:focus { border-color: var(--green); box-shadow: 0 0 0 4px rgba(11,143,103,.12); }
.money-input { display: flex; align-items: center; border: 1px solid #cdd9ea; border-radius: 12px; background: #fff; overflow: hidden; }
.money-input span { padding-left: 13px; color: var(--navy); font-weight: 850; }
.money-input input { border: 0; border-radius: 0; box-shadow: none !important; }

.rate-options, .cover-options {
  border: 0; padding: 0; margin: 20px 0; display: grid; gap: 12px;
}
.rate-options { grid-template-columns: repeat(3, 1fr); }
.cover-options { grid-template-columns: repeat(2, 1fr); }
.rate-options legend, .cover-options legend { color: var(--navy); font-weight: 900; margin-bottom: 10px; }
.rate-options label, .cover-options label {
  cursor: pointer; min-height: 120px; display: grid; place-items: center; text-align: center; gap: 4px; border: 1px solid var(--line); border-radius: 18px; background: #fff; padding: 16px;
}
.rate-options label.active, .cover-options label.active { border-color: var(--blue); box-shadow: 0 0 0 4px rgba(23,105,232,.08); }
.rate-options input, .cover-options input { display: none; }
.rate-options span, .cover-options span { font-size: 28px; color: var(--blue); font-weight: 950; }
.rate-options small, .cover-options small { color: var(--muted); font-weight: 750; }
.tool-note { color: var(--muted); font-size: 13px; line-height: 1.55; }

.summary-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.summary-grid article {
  border: 1px solid var(--line); border-radius: 18px; padding: 20px; background: #fff;
}
.summary-grid span { display: block; color: var(--muted); font-size: 13px; font-weight: 850; }
.summary-grid strong { display: block; margin: 8px 0; color: var(--green); font-size: 28px; letter-spacing: -.04em; }
.summary-grid small { color: var(--muted); line-height: 1.4; }
.chart-card { margin-top: 16px; padding: 18px; border: 1px solid var(--line); border-radius: 18px; background: #fff; }
.chart-title { display: flex; justify-content: space-between; gap: 16px; align-items: baseline; margin-bottom: 12px; }
.chart-title h3 { margin: 0; color: var(--navy); }
.chart-title p { margin: 0; color: var(--muted); font-size: 13px; }
#investmentChart { width: 100%; height: 330px; display: block; }

.bookmark-card { display: flex; justify-content: space-between; align-items: center; gap: 18px; padding: 20px 24px; box-shadow: none; background: #f5faff; border-color: #cfe1ff; }
.bookmark-card strong { color: var(--navy); }
.bookmark-card p { margin: 4px 0 0; color: var(--muted); }

.milestone-track { display: grid; grid-template-columns: repeat(6, 1fr); gap: 0; position: relative; padding: 16px 0 8px; }
.milestone-track::before { content: ""; position: absolute; left: 42px; right: 42px; top: 42px; height: 2px; background: linear-gradient(90deg, var(--green), var(--blue), var(--purple)); opacity: .35; }
.milestone { display: grid; justify-items: center; gap: 8px; position: relative; z-index: 1; text-align: center; }
.milestone-dot { display: grid; place-items: center; width: 54px; height: 54px; border-radius: 50%; background: #fff; color: var(--green); border: 2px solid currentColor; font-weight: 950; font-size: 13px; }
.milestone:nth-child(3) .milestone-dot, .milestone:nth-child(4) .milestone-dot { color: var(--blue); }
.milestone:nth-child(5) .milestone-dot, .milestone:nth-child(6) .milestone-dot { color: var(--purple); }
.milestone strong { color: var(--navy); }
.milestone span { color: var(--muted); font-size: 13px; }

.scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.scenario-card { padding: 22px; border: 1px solid var(--line); border-radius: 18px; background: #fff; }
.scenario-card.featured { border-color: var(--blue); box-shadow: 0 0 0 4px rgba(23,105,232,.08); }
.scenario-card h3 { margin: 0 0 8px; color: var(--navy); }
.rate { color: var(--green); font-weight: 900; }
.scenario-value { margin: 14px 0; color: var(--navy); font-size: 30px; font-weight: 950; letter-spacing: -.04em; }
.scenario-card p { color: var(--muted); line-height: 1.5; }

.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
th, td { padding: 13px 14px; border-bottom: 1px solid var(--line); text-align: right; }
th:first-child, td:first-child { text-align: left; }
th { background: #f6f9fd; color: var(--navy); font-size: 13px; }
td { color: var(--ink); font-weight: 650; }
tr:last-child td { border-bottom: 0; }

.emergency-layout .input-panel { background: #fff; }
.emergency-summary { margin-top: 18px; }
.emergency-visual-header { background: linear-gradient(90deg, #fff 0%, #fff 52%, #eef8ff 100%); }

.knowledge-hero {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(320px, .65fr);
  gap: 32px;
  align-items: center;
}
.book-illustration { min-height: 260px; position: relative; background: linear-gradient(135deg, #f4faff, #fff); border-radius: 28px; overflow: hidden; border: 1px solid var(--line); }
.book { position: absolute; left: 80px; width: 220px; height: 38px; border-radius: 8px; box-shadow: 0 12px 24px rgba(18,40,78,.12); }
.book.blue { bottom: 78px; background: var(--blue); transform: rotate(-4deg); }
.book.green { bottom: 112px; background: var(--green); transform: rotate(3deg); }
.book.purple { bottom: 46px; background: var(--purple); transform: rotate(2deg); }
.plant { position: absolute; left: 70px; bottom: 120px; width: 50px; height: 95px; border-left: 5px solid var(--green); border-radius: 50%; }
.plant::before, .plant::after { content: ""; position: absolute; width: 40px; height: 22px; background: #b8ead8; border-radius: 50%; }
.plant::before { left: -36px; top: 18px; transform: rotate(28deg); }
.plant::after { left: 5px; top: 38px; transform: rotate(-28deg); }
.knowledge-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.glossary-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.glossary-grid article { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 18px; }
.glossary-grid strong { color: var(--navy); }
.glossary-grid p { color: var(--muted); line-height: 1.5; }
.neutral-box, .partner-space { padding: 24px 28px; box-shadow: none; }
.neutral-box { background: #f4faff; border-color: #cfe1ff; }
.partner-space { display: flex; justify-content: space-between; align-items: center; gap: 20px; border-style: dashed; }
.partner-space span { border-radius: 999px; padding: 9px 13px; background: #f2efff; color: var(--purple); font-weight: 900; white-space: nowrap; }

.site-footer { margin-top: 44px; background: var(--navy); color: #fff; padding: 34px 6vw 20px; }
.footer-inner { display: grid; grid-template-columns: .9fr 1.4fr; gap: 44px; }
.footer-logo { color: #fff; }
.footer-logo .brand-icon rect { fill: rgba(255,255,255,.08); stroke: rgba(255,255,255,.22); }
.footer-brand p { color: rgba(255,255,255,.76); line-height: 1.6; max-width: 380px; }
.footer-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.footer-links h3 { margin: 0 0 12px; }
.footer-links a { display: block; color: rgba(255,255,255,.78); text-decoration: none; margin: 9px 0; }
.footer-badges { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 28px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.18); color: rgba(255,255,255,.78); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.62); font-size: 14px; }

@media (max-width: 1000px) {
  .nav { display: none; }
  .nav.open { display: grid; position: absolute; top: 76px; left: 20px; right: 20px; background: #fff; padding: 18px; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); }
  .mobile-menu-button { display: inline-block; }
  .home-hero, .tool-shell, .knowledge-hero, .footer-inner { grid-template-columns: 1fr; }
  .input-panel { border-right: 0; border-bottom: 1px solid var(--line); }
  .snapshot-card, .card-grid.three, .card-grid.four, .summary-grid, .knowledge-grid, .glossary-grid { grid-template-columns: 1fr; }
  .snapshot-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .rate-options, .cover-options { grid-template-columns: 1fr; }
  .milestone-track { grid-template-columns: repeat(2, 1fr); row-gap: 22px; }
  .milestone-track::before { display: none; }
}

@media (max-width: 640px) {
  .site-header { padding: 14px 18px; }
  .header-button { display: none; }
  .home-hero { min-height: auto; padding: 42px 20px 28px; }
  .hero-copy h1, .tool-hero h1, .knowledge-hero h1 { font-size: 42px; }
  .hero-subtitle, .tool-hero p, .knowledge-hero p { font-size: 17px; }
  .mountain-panel { min-height: 310px; }
  .section, .snapshot-section, .notice-card, .tool-shell, .bookmark-card, .neutral-box, .partner-space { width: calc(100% - 24px); border-radius: 18px; }
  .section, .snapshot-section, .input-panel, .results-panel, .neutral-box, .partner-space { padding: 20px; }
  .tool-hero, .knowledge-hero { padding: 34px 20px 18px; }
  .form-grid { grid-template-columns: 1fr; }
  .summary-grid article { padding: 17px; }
  .bookmark-card, .partner-space { flex-direction: column; align-items: flex-start; }
  .footer-links { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}


.custom-growth-row {
  margin: 0 0 18px;
}

.custom-growth-row small {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.4;
}

.percent-input {
  display: flex;
  align-items: center;
  border: 1px solid #cdd9ea;
  border-radius: 12px;
  background: #fff;
  overflow: hidden;
}

.percent-input input {
  border: 0;
  border-radius: 0;
  box-shadow: none !important;
}

.percent-input span {
  padding: 0 14px 0 6px;
  color: var(--navy);
  font-weight: 900;
}

.custom-growth-row.active .percent-input {
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(23,105,232,.08);
}

.chart-card {
  background:
    linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
}

#investmentChart {
  min-height: 380px;
}


.dashboard-panel {
  position: relative;
  min-height: 500px;
  border-radius: 34px;
  overflow: hidden;
  background:
    radial-gradient(circle at 82% 8%, rgba(23,105,232,.12), transparent 28%),
    linear-gradient(135deg, #ffffff 0%, #f5f9ff 58%, #eef8f5 100%);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 26px;
  display: grid;
  grid-template-rows: auto auto auto 1fr auto;
  gap: 16px;
}

.dashboard-header {
  display: flex;
  gap: 8px;
  align-items: center;
}

.dashboard-dot {
  width: 11px;
  height: 11px;
  border-radius: 50%;
  background: #c8d6ea;
}

.dashboard-dot:nth-child(2) {
  background: #b6e5d6;
}

.dashboard-dot:nth-child(3) {
  background: #ccd8ff;
}

.dashboard-card,
.dashboard-footer-card {
  background: rgba(255,255,255,.92);
  border: 1px solid rgba(219,229,242,.95);
  border-radius: 20px;
  padding: 18px;
  box-shadow: 0 12px 28px rgba(18,40,78,.07);
}

.dashboard-card span,
.dashboard-footer-card span {
  display: block;
  color: var(--muted);
  font-size: 13px;
  font-weight: 850;
  margin-bottom: 8px;
}

.dashboard-card strong,
.dashboard-footer-card strong {
  display: block;
  color: var(--navy);
  font-size: 27px;
  letter-spacing: -.04em;
}

.dashboard-card small {
  display: block;
  color: var(--muted);
  margin-top: 6px;
}

.main-metric strong {
  color: var(--green);
  font-size: clamp(38px, 5vw, 58px);
}

.dashboard-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.dashboard-chart {
  position: relative;
  min-height: 160px;
  border: 1px solid var(--line);
  border-radius: 22px;
  background:
    linear-gradient(#edf3fb 1px, transparent 1px),
    linear-gradient(90deg, #edf3fb 1px, transparent 1px),
    #ffffff;
  background-size: 100% 36px, 44px 100%;
  overflow: hidden;
  padding: 18px;
}

.chart-line {
  position: absolute;
  left: 34px;
  right: 34px;
  height: 4px;
  border-radius: 999px;
  transform-origin: left center;
}

.line-a {
  bottom: 50px;
  background: var(--green);
  transform: rotate(-15deg);
  box-shadow: 0 10px 18px rgba(11,143,103,.18);
}

.line-b {
  bottom: 78px;
  background: var(--blue);
  transform: rotate(-25deg);
  box-shadow: 0 10px 18px rgba(23,105,232,.18);
}

.chart-bar {
  position: absolute;
  bottom: 18px;
  width: 22px;
  border-radius: 8px 8px 0 0;
  background: linear-gradient(180deg, rgba(23,105,232,.85), rgba(11,143,103,.85));
}

.bar-1 { left: 38px; height: 38px; }
.bar-2 { left: 86px; height: 56px; }
.bar-3 { left: 134px; height: 78px; }
.bar-4 { left: 182px; height: 98px; }
.bar-5 { left: 230px; height: 122px; }

.dashboard-footer-card {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
}

.dashboard-footer-card span {
  margin-bottom: 0;
}

.dashboard-footer-card strong {
  color: var(--blue);
  font-size: 24px;
}

.learning-path .path-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.path-steps article,
.investment-type-grid article,
.concept-grid article,
.checklist-grid article {
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  padding: 22px;
}

.path-steps article span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 14px;
  background: #e9f8f2;
  color: var(--green);
  font-weight: 950;
  margin-bottom: 12px;
}

.path-steps h3,
.investment-type-grid h3,
.concept-grid h3 {
  margin: 0 0 8px;
  color: var(--navy);
}

.path-steps p,
.investment-type-grid p,
.concept-grid p,
.checklist-grid p {
  color: var(--muted);
  line-height: 1.58;
}

.path-steps a {
  color: var(--green);
  font-weight: 900;
  text-decoration: none;
}

.investment-type-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.investment-type-grid ul {
  margin: 16px 0 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 1.65;
}

.investment-type-grid li::marker {
  color: var(--green);
}

.concept-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.example-box {
  margin-top: 14px;
  border-radius: 16px;
  background: #f4faff;
  border: 1px solid #d8e7ff;
  padding: 14px;
}

.example-box strong {
  color: var(--navy);
}

.example-box p {
  margin: 6px 0 0;
  font-size: 14px;
}

.comparison-table-wrap {
  overflow-x: auto;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  border: 1px solid var(--line);
  border-radius: 16px;
  overflow: hidden;
  background: #fff;
}

.comparison-table th,
.comparison-table td {
  padding: 15px 16px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.comparison-table th {
  background: #f6f9fd;
  color: var(--navy);
}

.comparison-table td {
  color: var(--muted);
  line-height: 1.5;
}

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

.table-note {
  color: var(--muted);
  line-height: 1.55;
  margin: 16px 0 0;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.checklist-grid article {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px;
}

.checklist-grid span {
  display: inline-grid;
  place-items: center;
  min-width: 30px;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: #e9f8f2;
  color: var(--green);
  font-weight: 950;
}

.checklist-grid p {
  margin: 3px 0 0;
}

.glossary-grid.expanded {
  grid-template-columns: repeat(4, 1fr);
}

@media (max-width: 1000px) {
  .learning-path .path-steps,
  .investment-type-grid,
  .concept-grid,
  .checklist-grid,
  .glossary-grid.expanded {
    grid-template-columns: 1fr;
  }
}


.quick-goals {
  margin: 16px 0 2px;
}

.quick-goals > span {
  display: block;
  color: var(--navy);
  font-weight: 850;
  font-size: 14px;
  margin-bottom: 9px;
}

.quick-goals div {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.quick-goals button {
  border: 1px solid var(--line);
  background: #ffffff;
  color: var(--navy);
  border-radius: 999px;
  padding: 9px 12px;
  font-weight: 850;
  cursor: pointer;
}

.quick-goals button.active,
.quick-goals button:hover {
  border-color: var(--blue);
  background: #eef5ff;
  color: var(--blue);
}

.article-list {
  display: grid;
  gap: 18px;
}

.article-card {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 18px;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  padding: 22px;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease;
}

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

.article-card h2 {
  margin: 0 0 8px;
  color: var(--navy);
  letter-spacing: -.025em;
}

.article-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.55;
}

.article-card span {
  color: var(--green);
  font-weight: 900;
  white-space: nowrap;
}

.article-meta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin: 0 0 14px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 750;
}

.article-page {
  width: min(880px, calc(100% - 40px));
  margin: 30px auto;
}

.article-page article {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow);
  padding: 34px;
}

.article-page h1 {
  margin: 0 0 16px;
  color: var(--navy);
  font-size: clamp(38px, 5vw, 58px);
  line-height: 1;
  letter-spacing: -.05em;
}

.article-page h2 {
  margin-top: 34px;
  color: var(--navy);
  letter-spacing: -.025em;
}

.article-page p,
.article-page li {
  color: var(--muted);
  line-height: 1.7;
  font-size: 17px;
}

.article-page ul,
.article-page ol {
  padding-left: 22px;
}

.article-callout {
  margin: 28px 0;
  padding: 20px;
  border-radius: 18px;
  background: #f4faff;
  border: 1px solid #d8e7ff;
}

.article-callout strong {
  color: var(--navy);
}

.article-cta {
  margin-top: 34px;
  padding: 22px;
  border-radius: 20px;
  background: linear-gradient(135deg, #eef5ff, #eefcf6);
  border: 1px solid var(--line);
}

.article-cta h2 {
  margin-top: 0;
}

.article-disclaimer {
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: 14px;
  color: var(--muted);
}

@media (max-width: 700px) {
  .article-card {
    grid-template-columns: 1fr;
  }

  .article-page {
    width: calc(100% - 24px);
  }

  .article-page article {
    padding: 22px;
  }
}


.growth-note {
  margin: -4px 0 16px;
  padding: 13px 15px;
  border-radius: 14px;
  background: #fff8eb;
  border: 1px solid #ffd897;
  color: #5b4518;
  font-size: 13px;
  line-height: 1.55;
  font-weight: 650;
}

.rate-options small {
  text-align: center;
  line-height: 1.25;
  max-width: 130px;
}


.tool-hero {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  padding: 46px 0 24px;
}

.knowledge-hero {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  padding: 46px 0 24px;
}

.home-hero {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  padding-left: 0;
  padding-right: 0;
}

.tool-hero p,
.knowledge-hero p {
  max-width: 720px;
}

@media (max-width: 640px) {
  .tool-hero,
  .knowledge-hero {
    width: calc(100% - 24px);
    padding: 34px 0 18px;
  }

  .home-hero {
    width: calc(100% - 24px);
    padding-left: 0;
    padding-right: 0;
  }
}


.welcome-section .plain-card {
  min-height: 245px;
}

.home-hero .hero-subtitle {
  max-width: 760px;
}


.calculator-preview-panel {
  position: relative;
  min-height: 500px;
  border-radius: 34px;
  overflow: hidden;
  background: #ffffff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 26px;
  display: grid;
  gap: 16px;
  align-content: start;
}

.preview-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--navy);
  font-size: 14px;
  font-weight: 900;
  border-bottom: 1px solid var(--line);
  padding-bottom: 14px;
}

.preview-inputs {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}

.preview-inputs div,
.preview-result {
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px;
  background: #fbfdff;
}

.preview-inputs span,
.preview-result span,
.preview-result small {
  display: block;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.preview-inputs strong,
.preview-result strong {
  display: block;
  color: var(--navy);
  font-size: 24px;
  letter-spacing: -.04em;
  margin-top: 4px;
}

.preview-result {
  background: #f2fbf7;
  border-color: #ccefe2;
}

.preview-result strong {
  color: var(--green);
  font-size: 42px;
}

.preview-result small {
  margin-top: 6px;
  font-weight: 650;
}

.preview-line-chart {
  position: relative;
  height: 170px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
  overflow: hidden;
  padding: 14px;
}

.preview-line-chart svg {
  position: relative;
  z-index: 2;
  width: 100%;
  height: 100%;
}

.grid-line {
  position: absolute;
  left: 14px;
  right: 14px;
  height: 1px;
  background: #edf3fb;
  z-index: 1;
}

.grid-line.one { top: 38px; }
.grid-line.two { top: 84px; }
.grid-line.three { top: 130px; }

.preview-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 750;
}

.preview-legend span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.preview-legend i {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  display: inline-block;
}

.blue-dot { background: var(--blue); }
.green-dot { background: var(--green); }

@media (max-width: 640px) {
  .calculator-preview-panel {
    min-height: auto;
    padding: 18px;
  }

  .preview-result strong {
    font-size: 34px;
  }
}

.dashboard-panel { display: none !important; }


.purpose-section {
  padding: 34px;
}

.purpose-copy {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(260px, .6fr);
  gap: 28px;
  align-items: start;
}

.purpose-copy h2 {
  margin: 0 0 12px;
  color: var(--navy);
  letter-spacing: -.035em;
  font-size: 30px;
}

.purpose-copy p {
  color: var(--muted);
  line-height: 1.65;
  margin: 0 0 14px;
  font-size: 17px;
}

.purpose-note {
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  padding: 22px;
}

.purpose-note strong {
  color: var(--navy);
  display: block;
  margin-bottom: 8px;
}

.purpose-note p {
  margin: 0;
  font-size: 15px;
}

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

.use-case-grid .plain-card {
  min-height: 230px;
}

.natural-grid {
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.hero-small-note {
  max-width: 620px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.55;
}

@media (max-width: 1000px) {
  .purpose-copy,
  .use-case-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .purpose-section {
    padding: 22px;
  }
}


.legal-page{width:min(920px,calc(100% - 40px));margin:30px auto}.legal-page article{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);padding:34px}.legal-page h1{margin:0 0 10px;color:var(--navy);font-size:clamp(38px,5vw,56px);letter-spacing:-.045em;line-height:1}.legal-page h2{color:var(--navy);margin-top:34px;letter-spacing:-.025em}.legal-page h3{color:var(--navy);margin-top:24px}.legal-page p,.legal-page li{color:var(--muted);line-height:1.7;font-size:16px}.legal-page a{color:var(--green);font-weight:850}.last-updated,.legal-small{font-size:14px!important}.legal-table-wrap{overflow-x:auto;margin:18px 0}.legal-table{width:100%;border-collapse:collapse;border:1px solid var(--line);border-radius:16px;overflow:hidden}.legal-table th,.legal-table td{padding:14px 15px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.legal-table th{background:#f6f9fd;color:var(--navy)}.legal-table td{color:var(--muted);line-height:1.55}.legal-table tr:last-child td{border-bottom:0}

.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:9999;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center;max-width:1120px;margin:0 auto;padding:18px;border:1px solid var(--line);border-radius:22px;background:rgba(255,255,255,.98);box-shadow:0 18px 60px rgba(10,26,55,.2)}.cookie-banner__content h2{margin:0 0 6px;color:var(--navy);font-size:20px}.cookie-banner__content p{margin:0;color:var(--muted);line-height:1.5;font-size:14px}.cookie-banner__links{display:flex;gap:14px;flex-wrap:wrap;margin-top:9px}.cookie-banner__links a{color:var(--green);font-weight:850;font-size:14px;text-decoration:none}.cookie-banner__actions,.cookie-modal__actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.cookie-button{min-height:44px;border-radius:12px;border:1px solid var(--line);padding:10px 14px;font-weight:850;cursor:pointer;background:#fff;color:var(--navy)}.cookie-button--primary{color:#fff;border-color:transparent;background:linear-gradient(135deg,#0b8f67,#1769e8)}.cookie-button--secondary{background:#fff;color:var(--navy)}.cookie-modal-backdrop{position:fixed;inset:0;z-index:10000;display:grid;place-items:center;padding:20px;background:rgba(7,27,61,.45)}.cookie-modal{width:min(680px,100%);max-height:min(720px,calc(100vh - 40px));overflow:auto;border-radius:24px;border:1px solid var(--line);background:#fff;box-shadow:0 24px 80px rgba(7,27,61,.3);padding:24px}.cookie-modal__header{display:flex;justify-content:space-between;gap:18px;align-items:center;margin-bottom:12px}.cookie-modal__header h2{margin:0;color:var(--navy)}.cookie-modal__close{width:40px;height:40px;border:1px solid var(--line);border-radius:50%;background:#fff;color:var(--navy);cursor:pointer;font-size:24px;line-height:1}.cookie-modal p{color:var(--muted);line-height:1.55}.cookie-setting-row{display:grid;grid-template-columns:1fr auto;gap:18px;align-items:center;border:1px solid var(--line);border-radius:18px;padding:16px;margin:12px 0;background:#fbfdff}.cookie-setting-row strong{color:var(--navy)}.cookie-setting-row p{margin:6px 0 0;font-size:14px}.cookie-setting-row input{width:24px;height:24px;min-height:24px}.cookie-always-on{color:var(--green);font-weight:900;white-space:nowrap}@media(max-width:860px){.cookie-banner{grid-template-columns:1fr}.cookie-banner__actions,.cookie-modal__actions{justify-content:stretch}.cookie-button{flex:1}}@media(max-width:640px){.legal-page{width:calc(100% - 24px)}.legal-page article{padding:22px}.cookie-banner{left:10px;right:10px;bottom:10px;padding:14px}.cookie-setting-row{grid-template-columns:1fr}}


.knowledge-intro-box {
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  padding: 24px;
}

.knowledge-intro-box p {
  color: var(--muted);
  line-height: 1.65;
  margin: 0 0 14px;
  font-size: 17px;
}

.knowledge-intro-box p:last-child {
  margin-bottom: 0;
}


.calculator-directory {
  display: grid;
  gap: 14px;
}

.calculator-directory.compact {
  gap: 12px;
}

.calculator-row {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 18px;
  align-items: center;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #fff;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease;
}

.calculator-row:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.calculator-row h2 {
  margin: 0 0 6px;
  color: var(--navy);
  font-size: 22px;
  letter-spacing: -.025em;
}

.calculator-row p {
  margin: 0;
  color: var(--muted);
  line-height: 1.5;
}

.calculator-row strong {
  color: var(--green);
  white-space: nowrap;
}

.result-callout {
  margin-top: 16px;
  padding: 18px;
  border-radius: 18px;
  background: #f4faff;
  border: 1px solid #d8e7ff;
  color: var(--navy);
  font-weight: 800;
  line-height: 1.55;
}

.feature-icon.amber {
  color: var(--amber);
  background: #fff5e9;
}

@media (max-width: 760px) {
  .calculator-row {
    grid-template-columns: 1fr;
  }

  .calculator-row strong {
    white-space: normal;
  }
}

.nav { gap: 20px; }


.support-section {
  background: #ffffff;
}

.support-section .secondary-button {
  margin-top: 8px;
}

/* v24 section alignment */


.purpose-section .purpose-copy,
.support-section .purpose-copy {
  grid-template-columns: 1fr;
  max-width: 920px;
  margin: 0 auto;
  text-align: center;
}

.purpose-section .purpose-copy p,
.support-section .purpose-copy p {
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}

.support-section .secondary-button {
  display: inline-flex;
  margin-left: auto;
  margin-right: auto;
}

/* v25 footer cleanup */
.footer-badges { display: none !important; }


/* v27 growth chart title fix */
.chart-title {
  display: block;
}

.chart-title h3 {
  white-space: nowrap;
}


.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
}

.nav-dropdown-toggle {
  color: var(--navy);
  text-decoration: none;
  font-weight: 850;
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%);
  width: 260px;
  display: none;
  z-index: 1000;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
  box-shadow: var(--shadow);
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  display: grid;
  gap: 4px;
}

.nav-dropdown-menu a {
  display: block;
  padding: 10px 12px;
  border-radius: 12px;
  color: var(--navy);
  text-decoration: none;
  font-weight: 800;
  font-size: 14px;
}

.nav-dropdown-menu a:hover,
.nav-dropdown-menu a:focus {
  background: #f4f8ff;
  color: var(--blue);
}

.calculator-choice-list {
  display: grid;
  gap: 16px;
}

.calculator-choice-card {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 18px;
  align-items: center;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 22px;
  background: #fff;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease;
}

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

.calculator-choice-card h2 {
  margin: 2px 0 7px;
  color: var(--navy);
  font-size: 24px;
  letter-spacing: -.03em;
}

.calculator-choice-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.5;
}

.calculator-choice-card strong {
  color: var(--green);
  white-space: nowrap;
}

.choice-label {
  color: var(--green) !important;
  font-weight: 900;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .04em;
}

@media (max-width: 900px) {
  .nav-dropdown {
    display: block;
  }

  .nav-dropdown-menu {
    position: static;
    transform: none;
    display: grid;
    width: auto;
    margin: 8px 0 0 12px;
    padding: 0;
    border: 0;
    box-shadow: none;
    background: transparent;
  }

  .nav-dropdown-menu a {
    padding: 7px 0;
    color: var(--muted);
  }

  .calculator-choice-card {
    grid-template-columns: 1fr;
  }

  .calculator-choice-card strong {
    white-space: normal;
  }
}


/* v29 dropdown hover fix */
.nav-dropdown {
  position: relative;
  padding: 10px 0;
  margin: -10px 0;
}

.nav-dropdown::after {
  content: "";
  position: absolute;
  left: -18px;
  right: -18px;
  top: 100%;
  height: 14px;
}

.nav-dropdown-menu {
  top: 100%;
  margin-top: 0;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu,
.nav-dropdown-menu:hover {
  display: grid;
  gap: 4px;
}

@media (max-width: 900px) {
  .nav-dropdown {
    padding: 0;
    margin: 0;
  }

  .nav-dropdown::after {
    display: none;
  }
}


/* v32 Emergency Fund page polish */
.emergency-page .tool-hero {
  background: transparent;
  border: 0;
  box-shadow: none;
  padding-top: 46px;
  padding-bottom: 26px;
}

.emergency-page .tool-hero h1,
.emergency-page .tool-hero p,
.emergency-page .tool-hero .breadcrumb {
  max-width: 820px;
}

.emergency-page .tool-hero h1 {
  margin-bottom: 14px;
}

.emergency-page .tool-shell {
  margin-top: 8px;
}

.emergency-page .input-panel {
  background:
    radial-gradient(circle at top right, rgba(11, 143, 103, .08), transparent 34%),
    #ffffff;
}

.emergency-page .input-panel h2 {
  margin-bottom: 18px;
}

.emergency-page .results-panel {
  background:
    radial-gradient(circle at bottom left, rgba(23, 105, 232, .08), transparent 32%),
    #ffffff;
}


/* v33 reset figures buttons */
.calculator-actions {
  display: flex;
  justify-content: flex-start;
  margin-top: 18px;
}

.reset-figures-button {
  min-width: 150px;
}


/* v36 reset button consistency */
.reset-figures-button {
  color: #ffffff !important;
  border-color: transparent !important;
  background: linear-gradient(135deg, #0b8f67, #1769e8) !important;
  box-shadow: 0 10px 24px rgba(23, 105, 232, .18);
}

.reset-figures-button:hover {
  transform: translateY(-1px);
  box-shadow: 0 14px 28px rgba(23, 105, 232, .22);
}


/* v42 Knowledge Hub header cleanup */
.knowledge-page .tool-hero,
.knowledge-page .knowledge-hero {
  max-width: 980px;
  margin-left: auto;
  margin-right: auto;
  padding-top: 58px;
  padding-bottom: 44px;
  text-align: center;
}

.knowledge-page .tool-hero h1,
.knowledge-page .knowledge-hero h1 {
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}

.knowledge-page .tool-hero p,
.knowledge-page .knowledge-hero p {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.knowledge-page .hero-grid,
.knowledge-page .knowledge-hero-grid {
  display: block;
}

.knowledge-page .knowledge-visual,
.knowledge-page .hero-visual,
.knowledge-page .education-visual {
  display: none !important;
}


/* v43 Knowledge Hub infographic removal */
.knowledge-page .knowledge-hero {
  display: block;
  max-width: 980px;
  margin: 0 auto;
  padding: 64px 24px 46px;
  text-align: center;
}

.knowledge-page .knowledge-hero > div {
  max-width: 820px;
  margin: 0 auto;
}

.knowledge-page .knowledge-hero h1 {
  max-width: 860px;
  margin-left: auto;
  margin-right: auto;
}

.knowledge-page .knowledge-hero p {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.knowledge-page .book-illustration,
.knowledge-page .plant,
.knowledge-page .book {
  display: none !important;
}