/* ========================================
   MortgageCalculatorNow.com Design System
   Dark Navy + Gold/Amber Theme
   ======================================== */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=JetBrains+Mono:wght@400;500;600;700&display=swap');

/* --- CSS Custom Properties --- */
:root {
  /* Colors */
  --bg-primary: #07090f;
  --bg-secondary: #0d1117;
  --bg-card: #111820;
  --bg-card-hover: #161d27;
  --bg-input: #0d1117;
  --bg-input-focus: #111820;
  
  --accent: #f59e0b;
  --accent-hover: #d97706;
  --accent-light: #fbbf24;
  --accent-glow: rgba(245, 158, 11, 0.15);
  --accent-glow-strong: rgba(245, 158, 11, 0.3);
  
  --text-primary: #f0f6fc;
  --text-secondary: #8b949e;
  --text-muted: #484f58;
  --text-accent: #fbbf24;
  
  --border-color: #1c2533;
  --border-hover: #2d3748;
  --border-accent: rgba(245, 158, 11, 0.3);
  
  --green: #22c55e;
  --green-bg: rgba(34, 197, 94, 0.1);
  --red: #ef4444;
  --red-bg: rgba(239, 68, 68, 0.1);
  --yellow: #eab308;
  --yellow-bg: rgba(234, 179, 8, 0.1);
  --blue: #3b82f6;
  --blue-bg: rgba(59, 130, 246, 0.1);
  
  /* Typography */
  --font-heading: 'Outfit', sans-serif;
  --font-mono: 'JetBrains Mono', monospace;
  --font-body: 'Outfit', sans-serif;
  
  /* Spacing */
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  
  /* Borders */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-full: 9999px;
  
  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 4px 16px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.5);
  --shadow-glow: 0 0 20px var(--accent-glow);
  --shadow-glow-strong: 0 0 40px var(--accent-glow-strong);
  
  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-base: 0.25s ease;
  --transition-slow: 0.4s ease;
  
  /* Layout */
  --max-width: 1200px;
  --nav-height: 70px;
}

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-body);
  background: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.7;
  font-size: 16px;
  min-height: 100vh;
  overflow-x: hidden;
}

/* Background grid pattern */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  background: 
    radial-gradient(ellipse 80% 50% at 50% -20%, rgba(245, 158, 11, 0.06), transparent),
    linear-gradient(rgba(255,255,255,0.01) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.01) 1px, transparent 1px);
  background-size: 100% 100%, 60px 60px, 60px 60px;
  pointer-events: none;
  z-index: 0;
}

a {
  color: var(--accent);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--accent-light);
}

img {
  max-width: 100%;
  height: auto;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.15rem; }

p {
  color: var(--text-secondary);
  margin-bottom: var(--space-md);
}

/* --- Container --- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-xl);
  position: relative;
  z-index: 1;
}

.container-narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 var(--space-xl);
  position: relative;
  z-index: 1;
}

/* --- Navigation --- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 99999;
  background: rgba(7, 9, 15, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-color);
  height: var(--nav-height);
  display: flex;
  align-items: center;
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-xl);
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--text-primary);
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.nav-logo .logo-icon {
  font-size: 1.5rem;
}

.nav-logo .logo-accent {
  color: var(--accent);
}

.nav-links {
  display: flex;
  list-style: none;
  align-items: center;
  gap: var(--space-lg);
}

.nav-links a {
  color: var(--text-secondary);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition-fast);
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--accent);
}

.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--accent);
  border-radius: var(--radius-full);
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-toggle {
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-dropdown-toggle::after {
  content: '▾';
  font-size: 0.7rem;
}

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  margin-top: 12px;
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-sm);
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-fast);
  box-shadow: var(--shadow-lg);
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  margin-top: 8px;
}

.nav-dropdown-menu a {
  display: block;
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  color: var(--text-secondary);
  transition: all var(--transition-fast);
}

.nav-dropdown-menu a:hover {
  background: var(--accent-glow);
  color: var(--accent);
}

/* Mobile Nav */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: var(--space-sm);
  z-index: 2001;
  position: relative;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: all var(--transition-fast);
}

.nav-toggle.open span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.open span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -6px);
}

/* --- Hero Section --- */
.hero {
  padding: var(--space-3xl) 0 var(--space-2xl);
  text-align: center;
}

.hero h1 {
  margin-bottom: var(--space-md);
}

.hero h1 .accent {
  color: var(--accent);
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 600px;
  margin: 0 auto var(--space-xl);
}

.hero-badges {
  display: flex;
  justify-content: center;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  padding: var(--space-xs) var(--space-md);
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  color: var(--text-secondary);
}

.badge .badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--green);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

/* --- Cards --- */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--transition-base);
}

.card:hover {
  border-color: var(--border-hover);
  box-shadow: var(--shadow-md);
}

.card-glow:hover {
  border-color: var(--border-accent);
  box-shadow: var(--shadow-glow);
}

/* --- Calculator Layout --- */
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  margin-bottom: var(--space-2xl);
}

.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.calc-results {
  position: sticky;
  top: calc(var(--nav-height) + var(--space-xl));
  align-self: start;
}

/* --- Form Elements --- */
.input-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.input-group label {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-secondary);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.input-group label .label-value {
  font-family: var(--font-mono);
  color: var(--accent);
  font-weight: 600;
  font-size: 0.9rem;
}

.input-field {
  width: 100%;
  padding: 12px 16px;
  background: var(--bg-input);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-family: var(--font-mono);
  font-size: 1rem;
  transition: all var(--transition-fast);
  outline: none;
}

.input-field:focus {
  border-color: var(--accent);
  background: var(--bg-input-focus);
  box-shadow: 0 0 0 3px var(--accent-glow);
}

.input-field::placeholder {
  color: var(--text-muted);
}

/* Input with prefix/suffix */
.input-with-icon {
  position: relative;
}

.input-with-icon .prefix {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-family: var(--font-mono);
  font-size: 1rem;
  pointer-events: none;
}

.input-with-icon .suffix {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-family: var(--font-mono);
  font-size: 0.85rem;
  pointer-events: none;
}

.input-with-icon .input-field {
  padding-left: 32px;
}

.input-with-icon.has-suffix .input-field {
  padding-right: 60px;
}

/* Select */
select.input-field {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M6 9L1 4h10z' fill='%238b949e'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
  cursor: pointer;
}

/* Range Slider */
.range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--border-color);
  border-radius: 3px;
  outline: none;
  transition: background var(--transition-fast);
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: 0 0 10px var(--accent-glow);
  transition: all var(--transition-fast);
}

.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 20px var(--accent-glow-strong);
}

.range-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: none;
  box-shadow: 0 0 10px var(--accent-glow);
}

/* Term buttons */
.term-buttons {
  display: flex;
  gap: var(--space-sm);
}

.term-btn {
  flex: 1;
  padding: 10px;
  background: var(--bg-input);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-align: center;
}

.term-btn:hover {
  border-color: var(--border-hover);
  color: var(--text-primary);
}

.term-btn.active {
  background: var(--accent-glow);
  border-color: var(--accent);
  color: var(--accent);
}

/* --- Result Display --- */
.result-card {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: center;
}

.result-main {
  margin-bottom: var(--space-xl);
}

.result-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-sm);
}

.result-amount {
  font-family: var(--font-mono);
  font-size: clamp(2.5rem, 6vw, 3.5rem);
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
  text-shadow: 0 0 30px var(--accent-glow);
}

.result-amount .currency {
  font-size: 0.5em;
  vertical-align: top;
  color: var(--text-muted);
  margin-right: 2px;
}

.result-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-top: var(--space-lg);
}

.result-item {
  background: var(--bg-secondary);
  border-radius: var(--radius-sm);
  padding: var(--space-md);
  text-align: left;
}

.result-item .item-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.result-item .item-value {
  font-family: var(--font-mono);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--text-primary);
}

/* --- Summary Box --- */
.summary-box {
  background: linear-gradient(135deg, var(--accent-glow), rgba(245, 158, 11, 0.05));
  border: 1px solid var(--border-accent);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  margin: var(--space-xl) 0;
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--text-secondary);
}

.summary-box strong {
  color: var(--accent);
  font-weight: 600;
}

/* --- Comparison Table --- */
.comparison-section {
  margin: var(--space-2xl) 0;
}

.comparison-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border-color);
}

.comparison-table th,
.comparison-table td {
  padding: var(--space-md) var(--space-lg);
  text-align: left;
  border-bottom: 1px solid var(--border-color);
}

.comparison-table th {
  background: var(--bg-secondary);
  color: var(--text-secondary);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 600;
}

.comparison-table td {
  font-family: var(--font-mono);
  font-size: 0.95rem;
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table .highlight {
  background: var(--accent-glow);
  border-left: 3px solid var(--accent);
}

.comparison-table .best {
  color: var(--green);
  font-weight: 700;
}

/* --- Chart Container --- */
.chart-container {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  margin: var(--space-2xl) 0;
}

.chart-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-lg);
}

.chart-title {
  font-size: 1.2rem;
  font-weight: 600;
}

.chart-toggles {
  display: flex;
  gap: var(--space-sm);
}

.chart-toggle-btn {
  padding: 6px 14px;
  background: var(--bg-input);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-full);
  color: var(--text-secondary);
  font-size: 0.8rem;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.chart-toggle-btn.active {
  background: var(--accent-glow);
  border-color: var(--accent);
  color: var(--accent);
}

/* --- Amortization Table --- */
.amort-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: var(--space-md);
  cursor: pointer;
  color: var(--accent);
  font-weight: 500;
  transition: all var(--transition-fast);
}

.amort-toggle:hover {
  color: var(--accent-light);
}

.amort-toggle .chevron {
  transition: transform var(--transition-fast);
}

.amort-toggle.open .chevron {
  transform: rotate(180deg);
}

.amort-table-wrapper {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s ease;
}

.amort-table-wrapper.open {
  max-height: 5000px;
}

.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}

.amort-table th {
  background: var(--bg-secondary);
  padding: var(--space-sm) var(--space-md);
  color: var(--text-secondary);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  position: sticky;
  top: 0;
  text-align: left;
}

.amort-table td {
  padding: var(--space-sm) var(--space-md);
  border-bottom: 1px solid var(--border-color);
  font-family: var(--font-mono);
  font-size: 0.85rem;
  color: var(--text-secondary);
}

.amort-table tr:hover td {
  background: var(--accent-glow);
  color: var(--text-primary);
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: 12px 24px;
  border: none;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.btn-primary {
  background: var(--accent);
  color: var(--bg-primary);
}

.btn-primary:hover {
  background: var(--accent-hover);
  box-shadow: var(--shadow-glow);
  transform: translateY(-1px);
  color: var(--bg-primary);
}

.btn-secondary {
  background: var(--bg-card);
  color: var(--text-primary);
  border: 1px solid var(--border-color);
}

.btn-secondary:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.btn-ghost {
  background: transparent;
  color: var(--text-secondary);
  border: 1px solid var(--border-color);
}

.btn-ghost:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: var(--accent-glow);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.8rem;
}

/* --- Ad Slots --- */
.ad-slot {
  background: var(--bg-card);
  border: 1px dashed var(--border-color);
  border-radius: var(--radius-sm);
  padding: var(--space-lg);
  text-align: center;
  color: var(--text-muted);
  font-size: 0.75rem;
  margin: var(--space-xl) 0;
  position: relative;
  z-index: 0;
}

.ad-slot-banner {
  max-width: 728px;
  height: 90px;
  margin: var(--space-xl) auto;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 0;
}

.ad-slot-rect {
  width: 300px;
  height: 250px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: var(--space-xl) auto;
  position: relative;
  z-index: 1;
}

/* --- Affiliate Banner --- */
.affiliate-banner {
  background: linear-gradient(135deg, rgba(245, 158, 11, 0.1), rgba(245, 158, 11, 0.03));
  border: 1px solid var(--border-accent);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: center;
  margin: var(--space-2xl) 0;
  transition: all var(--transition-base);
}

.affiliate-banner:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-glow);
}

.affiliate-banner h3 {
  margin-bottom: var(--space-sm);
  color: var(--accent);
}

.affiliate-banner p {
  margin-bottom: var(--space-lg);
  font-size: 0.95rem;
}

/* --- FAQ Section --- */
.faq-section {
  margin: var(--space-3xl) 0;
}

.faq-item {
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  margin-bottom: var(--space-md);
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-item:hover {
  border-color: var(--border-hover);
}

.faq-question {
  width: 100%;
  padding: var(--space-lg);
  background: var(--bg-card);
  border: none;
  color: var(--text-primary);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: all var(--transition-fast);
}

.faq-question:hover {
  color: var(--accent);
}

.faq-question .faq-icon {
  font-size: 1.2rem;
  transition: transform var(--transition-fast);
  color: var(--accent);
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
}

.faq-answer-inner {
  padding: 0 var(--space-lg) var(--space-lg);
  color: var(--text-secondary);
  line-height: 1.8;
}

/* --- Footer --- */
.footer {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  padding: var(--space-3xl) 0 var(--space-xl);
  margin-top: var(--space-3xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-2xl);
  margin-bottom: var(--space-2xl);
}

.footer-brand {
  max-width: 300px;
}

.footer-brand .nav-logo {
  margin-bottom: var(--space-md);
}

.footer-brand p {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.footer-col h4 {
  color: var(--text-secondary);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-md);
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li {
  margin-bottom: var(--space-sm);
}

.footer-col ul a {
  color: var(--text-muted);
  font-size: 0.85rem;
  transition: color var(--transition-fast);
}

.footer-col ul a:hover {
  color: var(--accent);
}

.footer-bottom {
  border-top: 1px solid var(--border-color);
  padding-top: var(--space-xl);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.footer-social {
  display: flex;
  gap: var(--space-md);
}

.footer-social a {
  color: var(--text-muted);
  font-size: 1.2rem;
  transition: color var(--transition-fast);
}

.footer-social a:hover {
  color: var(--accent);
}

/* --- Blog/Article Styles --- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: var(--space-xl);
  margin: var(--space-2xl) 0;
}

.blog-card {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-base);
}

.blog-card:hover {
  transform: translateY(-4px);
  border-color: var(--border-accent);
  box-shadow: var(--shadow-glow);
}

.blog-card-image {
  width: 100%;
  height: 200px;
  background: var(--bg-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
}

.blog-card-content {
  padding: var(--space-lg);
}

.blog-card-tag {
  display: inline-block;
  padding: 4px 12px;
  background: var(--accent-glow);
  color: var(--accent);
  border-radius: var(--radius-full);
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: var(--space-sm);
}

.blog-card h3 {
  font-size: 1.1rem;
  margin-bottom: var(--space-sm);
  transition: color var(--transition-fast);
}

.blog-card:hover h3 {
  color: var(--accent);
}

.blog-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: var(--space-md);
}

.blog-card-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* Article page */
.article-header {
  text-align: center;
  padding: var(--space-3xl) 0 var(--space-xl);
}

.article-header .article-tag {
  display: inline-block;
  padding: 6px 16px;
  background: var(--accent-glow);
  color: var(--accent);
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: var(--space-lg);
}

.article-header h1 {
  margin-bottom: var(--space-md);
}

.article-meta {
  color: var(--text-muted);
  font-size: 0.85rem;
}

.article-content {
  max-width: 720px;
  margin: 0 auto;
  padding: var(--space-xl);
}

.article-content h2 {
  margin: var(--space-2xl) 0 var(--space-md);
  padding-top: var(--space-lg);
  border-top: 1px solid var(--border-color);
}

.article-content h3 {
  margin: var(--space-xl) 0 var(--space-md);
}

.article-content p {
  margin-bottom: var(--space-lg);
  line-height: 1.9;
  font-size: 1.05rem;
}

.article-content ul,
.article-content ol {
  margin: var(--space-md) 0 var(--space-lg);
  padding-left: var(--space-xl);
  color: var(--text-secondary);
}

.article-content li {
  margin-bottom: var(--space-sm);
  line-height: 1.8;
}

.article-content blockquote {
  border-left: 3px solid var(--accent);
  padding: var(--space-md) var(--space-lg);
  margin: var(--space-lg) 0;
  background: var(--accent-glow);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  color: var(--text-secondary);
  font-style: italic;
}

.article-content .callout {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  margin: var(--space-xl) 0;
}

.article-content .callout h4 {
  color: var(--accent);
  margin-bottom: var(--space-sm);
}

.article-cta {
  background: linear-gradient(135deg, var(--accent-glow), rgba(245, 158, 11, 0.05));
  border: 1px solid var(--border-accent);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: center;
  margin: var(--space-2xl) 0;
}

.article-cta h3 {
  margin-bottom: var(--space-sm);
  color: var(--accent);
}

.article-cta p {
  margin-bottom: var(--space-lg);
}

/* --- Calculator Card Grid --- */
.calc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--space-lg);
  margin: var(--space-2xl) 0;
}

.calc-card {
  background: var(--bg-card);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
}

.calc-card:hover {
  transform: translateY(-4px);
  border-color: var(--border-accent);
  box-shadow: var(--shadow-glow);
}

.calc-card .card-icon {
  font-size: 2rem;
  margin-bottom: var(--space-md);
}

.calc-card h3 {
  font-size: 1.1rem;
  margin-bottom: var(--space-sm);
}

.calc-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  flex: 1;
}

.calc-card .card-link {
  margin-top: var(--space-md);
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: var(--space-xs);
}

/* --- Color-coded DTI gauge --- */
.gauge-container {
  position: relative;
  margin: var(--space-xl) 0;
}

.gauge-bar {
  height: 12px;
  border-radius: 6px;
  background: linear-gradient(90deg, var(--green) 0%, var(--green) 36%, var(--yellow) 36%, var(--yellow) 43%, var(--red) 43%, var(--red) 100%);
  position: relative;
}

.gauge-marker {
  position: absolute;
  top: -8px;
  width: 4px;
  height: 28px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: left var(--transition-base);
}

.gauge-labels {
  display: flex;
  justify-content: space-between;
  margin-top: var(--space-sm);
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* --- Contact Form --- */
.contact-form {
  max-width: 600px;
  margin: 0 auto;
}

.contact-form .input-group {
  margin-bottom: var(--space-lg);
}

.contact-form textarea.input-field {
  min-height: 150px;
  resize: vertical;
}

/* --- Section Headers --- */
.section-header {
  text-align: center;
  margin-bottom: var(--space-2xl);
}

.section-header h2 {
  margin-bottom: var(--space-sm);
}

.section-header p {
  max-width: 600px;
  margin: 0 auto;
  color: var(--text-muted);
}

/* --- Utilities --- */
.text-accent { color: var(--accent); }
.text-green { color: var(--green); }
.text-red { color: var(--red); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }
.text-mono { font-family: var(--font-mono); }
.font-bold { font-weight: 700; }
.mt-1 { margin-top: var(--space-md); }
.mt-2 { margin-top: var(--space-xl); }
.mt-3 { margin-top: var(--space-2xl); }
.mb-1 { margin-bottom: var(--space-md); }
.mb-2 { margin-bottom: var(--space-xl); }
.mb-3 { margin-bottom: var(--space-2xl); }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-1 { gap: var(--space-md); }
.gap-2 { gap: var(--space-xl); }

.hidden { display: none; }

/* --- Animations --- */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes glow {
  0%, 100% { box-shadow: 0 0 15px var(--accent-glow); }
  50% { box-shadow: 0 0 30px var(--accent-glow-strong); }
}

.animate-fade-in {
  animation: fadeIn 0.6s ease forwards;
}

.animate-slide-up {
  animation: slideUp 0.8s ease forwards;
}

.animate-glow {
  animation: glow 3s ease-in-out infinite;
}

/* Stagger children */
.stagger > * {
  opacity: 0;
  animation: fadeIn 0.5s ease forwards;
}

.stagger > *:nth-child(1) { animation-delay: 0.1s; }
.stagger > *:nth-child(2) { animation-delay: 0.2s; }
.stagger > *:nth-child(3) { animation-delay: 0.3s; }
.stagger > *:nth-child(4) { animation-delay: 0.4s; }
.stagger > *:nth-child(5) { animation-delay: 0.5s; }
.stagger > *:nth-child(6) { animation-delay: 0.6s; }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .calc-wrapper {
    grid-template-columns: 1fr;
  }
  
  .calc-results {
    position: static;
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-xl);
  }
}

@media (max-width: 768px) {
  .container,
  .container-narrow {
    padding: 0 var(--space-md);
  }
  
  .nav-inner {
    padding: 0 var(--space-md);
  }
  
  .nav-links {
    display: none;
    position: fixed;
    top: var(--nav-height);
    left: 0;
    right: 0;
    bottom: auto;
    height: calc(100vh - var(--nav-height));
    background: rgba(7, 9, 15, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    flex-direction: column;
    padding: var(--space-xl);
    gap: var(--space-md);
    z-index: 99998;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    align-items: flex-start;
    border-top: 1px solid var(--border-color);
  }
  
  .nav-links.open {
    display: flex !important;
  }
  
  .nav-links li {
    width: 100%;
  }
  
  .nav-links a {
    display: block;
    padding: 14px var(--space-lg);
    font-size: 1.1rem;
    font-weight: 500;
    width: 100%;
    border-radius: var(--radius-md);
    color: var(--text-primary);
    transition: all var(--transition-fast);
  }
  
  .nav-links a:hover,
  .nav-links a.active {
    background: var(--bg-card);
    color: var(--accent);
  }
  
  .nav-links a.active::after {
    display: none;
  }
  
  .nav-toggle {
    display: flex;
  }
  
  .nav-dropdown {
    width: 100%;
  }
  
  .nav-dropdown-toggle {
    display: flex !important; /* Overrides block from .nav-links a */
    justify-content: space-between;
    align-items: center;
    width: 100%;
    padding: 14px var(--space-lg);
    background: transparent;
    border: none;
    border-radius: var(--radius-md);
    font-size: 1.1rem;
    font-weight: 500;
    color: var(--text-primary);
  }
  
  .nav-dropdown-toggle::after {
    font-size: 1.2rem;
  }
  
  .nav-dropdown-menu {
    position: static;
    transform: none;
    opacity: 0;
    visibility: hidden;
    max-height: 0;
    overflow: hidden;
    background: transparent;
    border: none;
    border-left: 2px solid var(--border-color);
    margin-top: 0;
    margin-left: var(--space-lg);
    box-shadow: none;
    width: calc(100% - var(--space-lg));
    transition: all var(--transition-base);
    border-radius: 0;
  }
  
  .nav-dropdown.open .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    max-height: 600px;
    margin-top: var(--space-xs);
    margin-bottom: var(--space-md);
  }
  
  .nav-dropdown-menu a {
    padding: 12px 16px;
    font-size: 1rem;
    color: var(--text-secondary);
  }
  
  .hero {
    padding: var(--space-2xl) 0 var(--space-xl);
  }
  
  .result-breakdown {
    grid-template-columns: 1fr;
  }
  
  .comparison-table {
    font-size: 0.8rem;
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  
  .comparison-table th,
  .comparison-table td {
    padding: var(--space-sm);
    white-space: nowrap;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
  
  .footer-bottom {
    flex-direction: column;
    gap: var(--space-md);
    text-align: center;
  }
  
  .blog-grid {
    grid-template-columns: 1fr;
  }
  
  .calc-grid {
    grid-template-columns: 1fr;
  }
  
  .term-buttons {
    flex-wrap: wrap;
  }
  
  .input-field {
    font-size: 16px;
  }
  
  .card {
    padding: var(--space-lg);
  }
  
  .result-card {
    padding: var(--space-lg);
  }
  
  canvas {
    max-width: 100%;
    height: auto !important;
  }
  
  body.nav-open {
    overflow: hidden;
  }
}

@media (max-width: 480px) {
  .hero h1 {
    font-size: 1.8rem;
  }
  
  .result-amount {
    font-size: 2.2rem;
  }
  
  .calc-card {
    padding: var(--space-lg);
  }
  
  .container,
  .container-narrow {
    padding: 0 var(--space-sm);
  }
  
  .card,
  .result-card {
    padding: var(--space-md);
  }
  
  .input-field {
    padding: 10px 12px;
    font-size: 16px;
  }
  
  .input-with-icon .input-field {
    padding-left: 28px;
  }
  
  .term-btn {
    padding: 8px;
    font-size: 0.8rem;
  }
  
  .result-item {
    padding: var(--space-sm);
  }
  
  .result-item .item-value {
    font-size: 0.95rem;
  }
}

/* --- Print Styles --- */
@media print {
  .navbar, .footer, .ad-slot, .affiliate-banner, .nav-toggle {
    display: none !important;
  }
  
  body {
    background: white;
    color: black;
  }
  
  .card, .result-card, .chart-container {
    background: white;
    border-color: #ccc;
  }
}