*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --navy: #0F172A;
  --navy-light: #1E293B;
  --green: #10B981;
  --green-dark: #047857;
  --green-light: #D1FAE5;
  --red: #EF4444;
  --red-light: #FEE2E2;
  --white: #FFFFFF;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --shadow-sm: 0 1px 3px rgba(15,23,42,.08);
  --shadow-md: 0 4px 16px rgba(15,23,42,.1);
  --shadow-lg: 0 12px 40px rgba(15,23,42,.12);
  --radius: 16px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--navy);
  background: var(--gray-50);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: 'DM Sans', sans-serif; font-weight: 800; line-height: 1.15; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

/* ── Sticky Header ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(15,23,42,.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: box-shadow .3s;
}
.site-header.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,.25); }
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}
.logo {
  font-family: 'DM Sans', sans-serif;
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--white);
  text-decoration: none;
}
.logo span { color: var(--green); }
nav { display: flex; gap: 8px; }
nav a {
  color: var(--gray-400);
  text-decoration: none;
  font-size: .85rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 8px;
  transition: color .2s, background .2s;
}
nav a:hover { color: var(--white); background: rgba(255,255,255,.07); }
.mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.mobile-toggle span { display: block; width: 22px; height: 2px; background: var(--white); margin: 5px 0; border-radius: 2px; transition: .3s; }

/* ── Hero Section ── */
.hero {
  background: linear-gradient(165deg, var(--navy) 0%, #162036 50%, #0c1425 100%);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(16,185,129,.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-label {
  display: inline-block;
  background: rgba(16,185,129,.12);
  color: var(--green);
  font-size: .8rem;
  font-weight: 700;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 20px;
  letter-spacing: .03em;
}
.hero h1 { color: var(--white); font-size: clamp(2rem, 5vw, 3.2rem); margin-bottom: 16px; }
.hero h1 .accent { color: var(--green); }
.hero p.subtitle {
  color: var(--gray-400);
  font-size: clamp(1rem, 2vw, 1.15rem);
  max-width: 560px;
  margin-bottom: 48px;
}

/* ── Calculator Input ── */
.calc-input-group {
  display: flex;
  gap: 16px;
  align-items: stretch;
  flex-wrap: wrap;
  margin-bottom: 16px;
}
.amount-wrapper {
  position: relative;
  flex: 1;
  min-width: 220px;
}
.amount-wrapper .prefix {
  position: absolute;
  left: 20px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  font-size: 1.4rem;
  font-weight: 700;
  pointer-events: none;
}
.amount-input {
  width: 100%;
  padding: 18px 20px 18px 44px;
  font-size: 1.4rem;
  font-weight: 700;
  font-family: inherit;
  border: 2px solid rgba(255,255,255,.1);
  border-radius: 14px;
  background: rgba(255,255,255,.05);
  color: var(--white);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
}
.amount-input::placeholder { color: var(--gray-500); font-weight: 500; }
.amount-input:focus { border-color: var(--green); box-shadow: 0 0 0 4px rgba(16,185,129,.15); }

.toggle-group {
  display: flex;
  background: rgba(255,255,255,.06);
  border-radius: 12px;
  padding: 4px;
  align-self: center;
}
.toggle-btn {
  padding: 14px 24px;
  font-size: .9rem;
  font-weight: 700;
  font-family: inherit;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  background: transparent;
  color: var(--gray-400);
  transition: background .2s, color .2s;
}
.toggle-btn.active { background: var(--green); color: var(--navy); }

.quick-amounts {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.quick-btn {
  padding: 8px 18px;
  font-size: .82rem;
  font-weight: 600;
  font-family: inherit;
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 100px;
  background: transparent;
  color: var(--gray-400);
  cursor: pointer;
  transition: background .2s, color .2s, border-color .2s;
}
.quick-btn:hover { border-color: var(--green); color: var(--green); }

/* ── Platform Cards Grid ── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.platform-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 24px;
  position: relative;
  transition: transform .25s, box-shadow .25s;
  overflow: hidden;
}
.platform-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.platform-card.best::before {
  content: 'Best Value';
  position: absolute;
  top: 16px;
  right: -30px;
  background: var(--green);
  color: var(--navy);
  font-size: .7rem;
  font-weight: 800;
  padding: 4px 40px;
  transform: rotate(45deg);
  letter-spacing: .04em;
  text-transform: uppercase;
}
.card-header { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.platform-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
  color: var(--white);
  flex-shrink: 0;
}
.card-header h3 { font-size: 1.05rem; }
.card-header .fee-tag {
  margin-left: auto;
  font-size: .78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 6px;
  white-space: nowrap;
}

.take-home-row { margin-bottom: 16px; }
.take-home-label { font-size: .78rem; color: var(--gray-500); font-weight: 600; margin-bottom: 2px; }
.take-home-amount { font-family: 'DM Sans', sans-serif; font-size: 2rem; font-weight: 800; color: var(--navy); }
.fee-amount-detail { font-size: .85rem; color: var(--red); font-weight: 600; }

.fee-bar-container { margin-bottom: 14px; }
.fee-bar-bg {
  width: 100%;
  height: 10px;
  background: var(--red-light);
  border-radius: 100px;
  overflow: hidden;
}
.fee-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #10B981, #34D399);
  border-radius: 100px;
  width: 0%;
  transition: width .8s cubic-bezier(.22,1,.36,1);
}
.bar-labels {
  display: flex;
  justify-content: space-between;
  font-size: .72rem;
  font-weight: 600;
  margin-top: 5px;
}
.bar-labels .keep { color: var(--green); }
.bar-labels .fees { color: var(--red); }

.hidden-costs {
  border-top: 1px solid var(--gray-100);
  padding-top: 12px;
  font-size: .78rem;
  color: var(--gray-500);
  line-height: 1.55;
}
.hidden-costs strong { color: var(--gray-600); }

/* ── Sections ── */
.section { padding: 80px 0; }
.section-dark { background: var(--navy); }
.section-label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 12px;
}
.section h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); margin-bottom: 12px; }
.section p.section-desc { color: var(--gray-500); font-size: 1rem; max-width: 600px; margin-bottom: 40px; }
.section-dark h2 { color: var(--white); }
.section-dark p.section-desc { color: var(--gray-400); }

/* ── Annual Impact ── */
.annual-inputs {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.input-group { flex: 1; min-width: 200px; }
.input-group label {
  display: block;
  font-size: .82rem;
  font-weight: 600;
  color: var(--gray-500);
  margin-bottom: 8px;
}
.input-group input {
  width: 100%;
  padding: 14px 18px;
  font-size: 1.05rem;
  font-weight: 600;
  font-family: inherit;
  border: 2px solid var(--gray-200);
  border-radius: 12px;
  background: var(--white);
  color: var(--navy);
  outline: none;
  transition: border-color .2s;
}
.input-group input:focus { border-color: var(--green); }
.section-dark .input-group label { color: var(--gray-400); }
.section-dark .input-group input {
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.1);
  color: var(--white);
}
.section-dark .input-group input:focus { border-color: var(--green); }

.annual-summary {
  background: rgba(16,185,129,.08);
  border: 1px solid rgba(16,185,129,.15);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 40px;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gray-300);
  line-height: 1.7;
}
.annual-summary .highlight-green { color: var(--green); font-weight: 800; }
.annual-summary .highlight-red { color: var(--red); font-weight: 800; }

.bar-chart {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.bar-row {
  display: flex;
  align-items: center;
  gap: 14px;
}
.bar-row .bar-label {
  width: 130px;
  flex-shrink: 0;
  font-size: .85rem;
  font-weight: 700;
  color: var(--gray-300);
  text-align: right;
}
.bar-row .bar-track {
  flex: 1;
  height: 32px;
  background: rgba(255,255,255,.05);
  border-radius: 8px;
  overflow: hidden;
  position: relative;
}
.bar-row .bar-fill {
  height: 100%;
  border-radius: 8px;
  width: 0%;
  transition: width .8s cubic-bezier(.22,1,.36,1);
  display: flex;
  align-items: center;
  padding-left: 12px;
  font-size: .78rem;
  font-weight: 700;
  color: var(--white);
  white-space: nowrap;
  min-width: fit-content;
}
.bar-fill.green-bar { background: linear-gradient(90deg, #10B981, #34D399); }
.bar-fill.red-bar { background: linear-gradient(90deg, #EF4444, #F87171); }

/* ── Break-Even ── */
.breakeven-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.breakeven-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
}
.breakeven-card h3 { font-size: 1rem; margin-bottom: 16px; }
.breakeven-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.breakeven-row select {
  padding: 10px 14px;
  font-size: .9rem;
  font-family: inherit;
  font-weight: 600;
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  background: var(--white);
  color: var(--navy);
  outline: none;
  cursor: pointer;
  flex: 1;
}
.breakeven-row select:focus { border-color: var(--green); }
.breakeven-row .arrow-icon { color: var(--gray-400); font-size: 1.2rem; font-weight: 800; flex-shrink: 0; }
.breakeven-result {
  margin-top: 20px;
  padding: 20px;
  background: var(--gray-50);
  border-radius: 12px;
  text-align: center;
}
.breakeven-result .be-label { font-size: .82rem; color: var(--gray-500); font-weight: 600; margin-bottom: 4px; }
.breakeven-result .be-amount { font-family: 'DM Sans', sans-serif; font-size: 1.8rem; font-weight: 800; color: var(--navy); }
.breakeven-result .be-note { font-size: .8rem; color: var(--gray-500); margin-top: 4px; }

/* ── FAQ ── */
.faq-list { max-width: 750px; }
.faq-item {
  border-bottom: 1px solid var(--gray-200);
  padding: 20px 0;
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 0;
}
.faq-question::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--gray-400);
  transition: transform .25s;
  flex-shrink: 0;
}
.faq-item.open .faq-question::after { content: '−'; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer p {
  padding-top: 14px;
  font-size: .92rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ── Footer ── */
.site-footer {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 40px 0;
  text-align: center;
}
.footer-links { display: flex; justify-content: center; gap: 24px; margin-bottom: 16px; }
.footer-links a { color: var(--gray-400); text-decoration: none; font-size: .85rem; font-weight: 600; transition: color .2s; }
.footer-links a:hover { color: var(--white); }
.site-footer .footer-note { color: var(--gray-500); font-size: .8rem; margin-bottom: 8px; }
.site-footer .footer-love { color: var(--gray-400); font-size: .85rem; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
  .breakeven-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .cards-grid { grid-template-columns: 1fr; }
  .hero { padding: 60px 0 72px; }
  nav { display: none; position: absolute; top: 60px; left: 0; right: 0; background: var(--navy); flex-direction: column; padding: 16px; border-bottom: 1px solid rgba(255,255,255,.06); }
  nav.open { display: flex; }
  .mobile-toggle { display: block; }
  .calc-input-group { flex-direction: column; }
  .toggle-group { align-self: stretch; }
  .toggle-btn { flex: 1; }
  .bar-row .bar-label { width: 90px; font-size: .78rem; }
  .platform-card.best::before { top: 12px; right: -34px; font-size: .62rem; }
}