/* ============================================================
   CalcWise — "Private Banking" design system (v2, editorial)
   Rich emerald & jade jewel tones · gold accents · frosted glass
   Asymmetric hero · categorized layout · spring motion
   Fully responsive 320px → wide desktop
   ============================================================ */

:root{
  --font-display:'Bricolage Grotesque','Hanken Grotesk',serif;
  --font-body:'Hanken Grotesk',-apple-system,BlinkMacSystemFont,sans-serif;

  --bg:#eef2ee;
  --surface:#ffffff;
  --surface-2:#f5f9f6;
  --surface-frost:rgba(255,255,255,.72);

  --ink:#0c1a15;
  --ink-soft:#23332c;
  --muted:#5d6f66;
  --faint:#8a9a91;

  --brand:#0e7c5a;
  --brand-2:#11a36e;
  --brand-deep:#0a5c44;
  --brand-grad:linear-gradient(135deg,#13b277 0%,#0e7c5a 55%,#0a5240 100%);
  --mint:#e7f5ee;
  --mint-line:#cfe9dc;

  --gold:#b7892a;
  --gold-soft:#f3ead2;
  --rose:#c0492f;

  --line:#e2ebe5;
  --line-2:#d6e2db;
  --shadow-sm:0 1px 2px rgba(10,40,28,.05),0 3px 10px rgba(10,40,28,.05);
  --shadow-md:0 6px 16px rgba(10,40,28,.07),0 20px 48px rgba(10,40,28,.09);
  --shadow-lg:0 30px 80px rgba(8,60,42,.20);
  --ring:0 0 0 4px rgba(17,163,110,.16);

  --r:22px; --r-md:16px; --r-sm:12px; --pill:999px;
  --spring:cubic-bezier(.34,1.4,.5,1);
  --ease:cubic-bezier(.4,0,.2,1);
  --maxw:1120px;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font-body);color:var(--ink);line-height:1.6;
  font-weight:450;letter-spacing:-.005em;background:var(--bg);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  position:relative;overflow-x:hidden;
}
body::before{
  content:"";position:fixed;inset:-25% -10% auto -10%;height:90vh;z-index:-2;pointer-events:none;
  background:
    radial-gradient(42% 52% at 10% 6%,rgba(19,178,119,.24),transparent 70%),
    radial-gradient(40% 48% at 95% 2%,rgba(11,90,68,.20),transparent 70%),
    radial-gradient(34% 40% at 72% 26%,rgba(183,137,42,.12),transparent 70%);
  filter:blur(20px);animation:meshFloat 18s var(--ease) infinite alternate;
}
body::after{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.035;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
@keyframes meshFloat{to{transform:translate3d(-3%,2%,0) scale(1.08)}}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}
a{color:var(--brand);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--brand-deep)}

h1,h2,h3{font-family:var(--font-display);font-weight:700;letter-spacing:-.025em;line-height:1.08;color:var(--ink)}
h2{font-size:clamp(1.3rem,3vw,1.65rem);margin:0}
h3{font-size:1.05rem;margin:0}

/* ---------- header + mobile nav ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:var(--surface-frost);
  backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);
  border-bottom:1px solid rgba(226,235,229,.8);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;height:64px;position:relative}
.brand{font-family:var(--font-display);font-weight:800;font-size:1.25rem;letter-spacing:-.03em;color:var(--ink);display:flex;align-items:center;gap:9px;z-index:2}
.brand:hover{color:var(--ink)}
.brand-icon{
  display:grid;place-items:center;width:34px;height:34px;border-radius:11px;background:var(--brand-grad);
  box-shadow:0 4px 12px rgba(14,124,90,.35),inset 0 1px 0 rgba(255,255,255,.35);font-size:1rem
}
.main-nav{display:flex;gap:4px;background:rgba(231,245,238,.6);padding:5px;border-radius:var(--pill);border:1px solid var(--mint-line)}
.main-nav a{color:var(--ink-soft);font-size:.86rem;font-weight:600;padding:7px 14px;border-radius:var(--pill);transition:all .25s var(--spring)}
.main-nav a:hover{background:#fff;color:var(--brand-deep);box-shadow:var(--shadow-sm)}
.nav-toggle,.nav-burger{display:none}
.nav-burger{width:42px;height:42px;border-radius:12px;cursor:pointer;z-index:2;flex-direction:column;align-items:center;justify-content:center;gap:5px;background:var(--surface);border:1px solid var(--line)}
.nav-burger span{width:20px;height:2px;background:var(--ink);border-radius:2px;transition:transform .3s var(--ease),opacity .2s}

@media(max-width:780px){
  .main-nav{
    position:absolute;top:calc(100% + 10px);left:0;right:0;flex-direction:column;gap:2px;
    background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:8px;
    box-shadow:var(--shadow-md);opacity:0;transform:translateY(-12px) scale(.98);pointer-events:none;
    transition:opacity .25s var(--ease),transform .3s var(--spring)
  }
  .main-nav a{text-align:center;padding:13px;border-radius:10px;font-size:.95rem}
  .nav-burger{display:flex}
  .nav-toggle:checked ~ .main-nav{opacity:1;transform:none;pointer-events:auto}
  .nav-toggle:checked ~ .nav-burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle:checked ~ .nav-burger span:nth-child(2){opacity:0}
  .nav-toggle:checked ~ .nav-burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

main.container{animation:rise .7s var(--ease) both}

/* ---------- HERO ---------- */
.hero{
  display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;
  padding:clamp(36px,6vw,76px) 0 clamp(24px,3vw,40px)
}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;font-size:.74rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--brand-deep);background:var(--mint);border:1px solid var(--mint-line);
  padding:7px 14px;border-radius:var(--pill);margin-bottom:18px;animation:rise .6s both
}
.hero-text h1{
  font-size:clamp(1.85rem,6vw,3.6rem);line-height:1.06;letter-spacing:-.035em;margin:0 0 .35em;
  overflow-wrap:break-word;word-break:normal;animation:rise .7s .05s both
}
.hero-text h1 em{
  font-style:normal;background:var(--brand-grad);-webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;position:relative
}
.hero-text>p{color:var(--muted);font-size:clamp(1.02rem,2vw,1.18rem);max-width:30em;margin:0 0 28px;animation:rise .7s .12s both}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;animation:rise .7s .18s both}
.btn-primary{
  background:var(--brand-grad);color:#fff;font-family:var(--font-display);font-weight:700;font-size:1rem;
  padding:14px 26px;border-radius:var(--pill);box-shadow:0 10px 26px rgba(14,124,90,.34),inset 0 1px 0 rgba(255,255,255,.25);
  transition:transform .3s var(--spring),box-shadow .3s,filter .2s
}
.btn-primary:hover{filter:brightness(1.07);color:#fff;transform:translateY(-2px);box-shadow:0 16px 34px rgba(14,124,90,.42)}
.btn-primary:active{transform:scale(.97)}
.btn-ghost{
  background:var(--surface);color:var(--brand-deep);font-weight:600;font-size:1rem;padding:14px 22px;
  border-radius:var(--pill);border:1.5px solid var(--line-2);transition:all .25s var(--spring)
}
.btn-ghost:hover{border-color:var(--brand-2);background:var(--mint);transform:translateY(-2px)}
.hero-trust{display:flex;flex-wrap:wrap;gap:16px;margin-top:24px;font-size:.85rem;font-weight:600;color:var(--muted);animation:rise .7s .24s both}
.hero-trust span{white-space:nowrap}

/* hero visual: floating result card + chips */
.hero-visual{position:relative;min-height:300px;animation:rise .8s .15s both}
.hero-card{
  position:relative;background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:26px;
  box-shadow:var(--shadow-lg);max-width:340px;margin-left:auto;
  animation:floatY 6s ease-in-out infinite
}
.hc-label{font-size:.8rem;font-weight:600;color:var(--muted)}
.hc-amount{
  display:block;font-family:var(--font-display);font-weight:800;font-size:2.8rem;letter-spacing:-.04em;line-height:1;margin:.15em 0 .4em;
  background:var(--brand-grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent
}
.hc-bar{height:8px;border-radius:99px;background:var(--mint);overflow:hidden;margin-bottom:18px}
.hc-bar i{display:block;height:100%;background:var(--brand-grad);border-radius:99px;animation:growBar 1.4s var(--spring) both}
.hc-rows{display:grid;gap:10px}
.hc-rows div{display:flex;justify-content:space-between;font-size:.9rem;color:var(--ink-soft)}
.hc-rows b{font-variant-numeric:tabular-nums}
.hc-foot{display:block;margin-top:18px;padding-top:14px;border-top:1px solid var(--line);font-size:.82rem;font-weight:600;color:var(--muted)}
.hero-chip{
  position:absolute;background:var(--surface);border:1px solid var(--line);border-radius:var(--pill);
  padding:10px 16px;font-size:.85rem;font-weight:700;color:var(--ink);box-shadow:var(--shadow-md)
}
.chip-1{top:6%;left:-6%;animation:floatY 5s ease-in-out infinite .5s;color:var(--brand-deep)}
.chip-2{bottom:8%;left:2%;animation:floatY 7s ease-in-out infinite 1s;color:var(--gold)}

/* ---------- stats strip ---------- */
.stats-strip{
  display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);
  border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow-sm);margin:8px 0 30px
}
.stats-strip>div{background:var(--surface);padding:20px 14px;text-align:center}
.stats-strip b{display:block;font-family:var(--font-display);font-size:1.7rem;font-weight:800;letter-spacing:-.03em;background:var(--brand-grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stats-strip span{font-size:.78rem;color:var(--muted);font-weight:600;letter-spacing:.02em}

/* ---------- category sections ---------- */
.cat-section{margin:38px 0}
.cat-head{display:flex;align-items:center;gap:14px;margin-bottom:20px}
.cat-icon{
  display:grid;place-items:center;width:48px;height:48px;border-radius:14px;font-size:1.4rem;
  background:var(--mint);border:1px solid var(--mint-line);box-shadow:var(--shadow-sm);flex:0 0 auto
}
.cat-meta{flex:1;min-width:0}
.cat-meta h2{font-size:clamp(1.25rem,3vw,1.6rem)}
.cat-tag{font-size:.82rem;color:var(--faint);font-weight:600;letter-spacing:.02em}
.cat-count{font-size:.78rem;font-weight:700;color:var(--brand-deep);background:var(--mint);border:1px solid var(--mint-line);padding:6px 12px;border-radius:var(--pill);white-space:nowrap}

/* ---------- cards ---------- */
.card-grid{display:grid;gap:16px}
.cat-grid{grid-template-columns:repeat(3,1fr)}
.card{
  position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);
  padding:22px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:8px;overflow:hidden;
  transition:transform .4s var(--spring),box-shadow .4s var(--ease),border-color .3s;
  animation:rise .55s both
}
.card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--brand-grad);transform:scaleY(0);transform-origin:bottom;transition:transform .4s var(--spring)}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--mint-line);text-decoration:none}
.card:hover::before{transform:scaleY(1)}
.card-ico{
  display:grid;place-items:center;width:46px;height:46px;border-radius:13px;font-size:1.35rem;
  background:linear-gradient(135deg,var(--mint),#f1faf5);border:1px solid var(--mint-line);margin-bottom:4px;
  transition:transform .4s var(--spring)
}
.card:hover .card-ico{transform:scale(1.1) rotate(-5deg)}
.card-title{font-family:var(--font-display);font-weight:700;font-size:1.04rem;color:var(--ink);letter-spacing:-.02em;line-height:1.2}
.card-desc{font-size:.85rem;color:var(--muted);line-height:1.5;flex:1}
.card-go{font-size:.84rem;font-weight:700;color:var(--brand);display:inline-flex;align-items:center;gap:6px;margin-top:4px}
.card-go .arr{transition:transform .3s var(--spring)}
.card:hover .card-go .arr{transform:translateX(5px)}

/* stagger first row of each grid */
.cat-grid .card:nth-child(1){animation-delay:.02s}
.cat-grid .card:nth-child(2){animation-delay:.06s}
.cat-grid .card:nth-child(3){animation-delay:.1s}

/* ---------- features ---------- */
.features{margin:46px 0 10px;text-align:center}
.features-h{margin-bottom:24px;font-size:clamp(1.4rem,3.4vw,1.9rem)}
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;text-align:left}
.feature{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow-sm)}
.feat-ico{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;font-size:1.4rem;background:var(--mint);border:1px solid var(--mint-line);margin-bottom:14px}
.feature h3{font-family:var(--font-display);margin-bottom:6px}
.feature p{color:var(--muted);font-size:.92rem;margin:0}

/* ---------- breadcrumb ---------- */
.breadcrumb{font-size:.8rem;color:var(--faint);margin:20px 0 6px;font-weight:500}
.breadcrumb a{color:var(--muted)}
.breadcrumb span{color:var(--ink-soft)}

/* ---------- calculator page ---------- */
.calc-page,.content-page{max-width:760px;margin:0 auto}
.calc-page h1{display:flex;align-items:center;gap:14px;font-size:clamp(1.7rem,4.4vw,2.4rem);margin:.2em 0 .35em}
.h1-ico{display:grid;place-items:center;width:52px;height:52px;border-radius:15px;font-size:1.5rem;background:linear-gradient(135deg,var(--mint),#f1faf5);border:1px solid var(--mint-line);flex:0 0 auto;box-shadow:var(--shadow-sm)}
.calc-page .intro{color:var(--muted);margin-top:.2em;font-size:1.06rem}
.updated{font-size:.78rem;color:var(--faint);margin:.4em 0 1.4em;font-weight:500}

.calc{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:clamp(18px,4vw,28px);box-shadow:var(--shadow-md);margin:10px 0 6px;animation:rise .6s .06s both}
.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-size:.8rem;font-weight:600;color:var(--muted);letter-spacing:.01em}
.input-wrap{display:flex;align-items:center;background:var(--surface-2);border:1.5px solid var(--line-2);border-radius:var(--r-sm);overflow:hidden;transition:border-color .25s var(--ease),box-shadow .25s var(--ease),background .25s}
.input-wrap:focus-within{border-color:var(--brand-2);background:#fff;box-shadow:var(--ring)}
.affix{padding:0 13px;color:var(--muted);font-size:.92rem;font-weight:600;align-self:stretch;display:flex;align-items:center;background:rgba(231,245,238,.5)}
.affix.suffix{border-left:1px solid var(--line)}
.input-wrap input{flex:1;min-width:0;border:0;outline:0;padding:13px 14px;background:transparent;color:var(--ink);font-family:var(--font-body);font-size:1.05rem;font-weight:600;font-variant-numeric:tabular-nums}
.btn-calc{grid-column:1/-1;margin-top:4px;background:var(--brand-grad);color:#fff;border:0;border-radius:var(--r-sm);padding:16px;font-family:var(--font-display);font-size:1.05rem;font-weight:700;letter-spacing:-.01em;cursor:pointer;box-shadow:0 8px 22px rgba(14,124,90,.32),inset 0 1px 0 rgba(255,255,255,.25);transition:transform .3s var(--spring),box-shadow .3s var(--ease),filter .2s}
.btn-calc:hover{filter:brightness(1.06);box-shadow:0 12px 30px rgba(14,124,90,.42)}
.btn-calc:active{transform:scale(.975)}

.calc-result{margin-top:22px}
.calc-result[hidden]{display:none}
.results{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;margin:0;box-shadow:var(--shadow-sm)}
.results>div{display:flex;justify-content:space-between;align-items:center;gap:14px;background:#fff;padding:14px 18px;animation:slideIn .45s var(--ease) both}
.results>div:nth-child(2){animation-delay:.05s}.results>div:nth-child(3){animation-delay:.1s}.results>div:nth-child(4){animation-delay:.15s}.results>div:nth-child(5){animation-delay:.2s}
.results dt{color:var(--muted);margin:0;font-size:.92rem;font-weight:500}
.results dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums;color:var(--ink);font-size:1.02rem;text-align:right}
.results .hl{background:linear-gradient(120deg,var(--mint),#f1faf5);padding:18px}
.results .hl dt{color:var(--brand-deep);font-weight:600}
.results .hl dd{font-family:var(--font-display);font-size:clamp(1.4rem,5vw,1.7rem);font-weight:800;letter-spacing:-.03em;background:var(--brand-grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.neg,.results .neg dd{color:var(--rose);-webkit-text-fill-color:var(--rose)}
.err{color:var(--rose);font-weight:600;background:#fbeeea;border:1px solid #f0ccc2;padding:14px 16px;border-radius:var(--r-sm);margin:0}
.calc-actions{display:flex;gap:10px;margin-top:16px}
.calc-actions[hidden]{display:none}
.btn-mini{background:#fff;border:1.5px solid var(--line-2);color:var(--brand-deep);border-radius:var(--pill);padding:9px 18px;font-size:.85rem;font-weight:600;cursor:pointer;transition:all .25s var(--spring)}
.btn-mini:hover{border-color:var(--brand-2);background:var(--mint);transform:translateY(-1px);box-shadow:var(--shadow-sm)}
.btn-mini:active{transform:scale(.96)}

.table-scroll{overflow-x:auto;margin-top:16px;border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow-sm);-webkit-overflow-scrolling:touch}
.amort{width:100%;border-collapse:collapse;font-size:.86rem;font-variant-numeric:tabular-nums;background:#fff;min-width:440px}
.amort th,.amort td{padding:11px 13px;text-align:right;border-bottom:1px solid var(--line)}
.amort th:first-child,.amort td:first-child{text-align:left}
.amort thead th{background:var(--surface-2);color:var(--muted);position:sticky;top:0;font-weight:600;font-size:.78rem;letter-spacing:.03em;text-transform:uppercase}
.amort tbody tr:hover{background:var(--mint)}

/* ---------- content sections ---------- */
.howto,.about-calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:clamp(18px,4vw,26px);margin-top:18px;box-shadow:var(--shadow-sm)}
.howto ol{padding-left:0;counter-reset:step;list-style:none;margin:.4em 0 0}
.howto li{counter-increment:step;position:relative;padding:6px 0 6px 44px;margin:.3em 0;color:var(--ink-soft)}
.howto li::before{content:counter(step);position:absolute;left:0;top:5px;width:28px;height:28px;border-radius:9px;display:grid;place-items:center;font-family:var(--font-display);font-weight:700;font-size:.85rem;color:#fff;background:var(--brand-grad);box-shadow:0 3px 8px rgba(14,124,90,.3)}
.about-calc p{color:var(--ink-soft)}
.example{background:linear-gradient(120deg,var(--gold-soft),#fbf6e9);border-left:4px solid var(--gold);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:14px 18px;margin:16px 0 0;color:#5a4715}
.example strong{color:#3f3009}
.use-list{padding-left:0;list-style:none}
.use-list li{margin:.6em 0;color:var(--muted);padding-left:22px;position:relative}
.use-list li::before{content:"→";position:absolute;left:0;color:var(--brand-2);font-weight:700}
.use-list a{font-weight:600}
.seo-copy{margin:38px auto 10px;max-width:760px;color:var(--muted)}
.seo-copy h2{color:var(--ink)}

/* faq */
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:2px 20px;margin:12px 0;box-shadow:var(--shadow-sm);transition:box-shadow .3s}
.faq details[open]{box-shadow:var(--shadow-md)}
.faq summary{cursor:pointer;font-weight:600;font-size:1rem;padding:16px 0;list-style:none;display:flex;align-items:center;gap:12px;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";display:grid;place-items:center;flex:0 0 24px;height:24px;border-radius:8px;background:var(--mint);color:var(--brand);font-weight:700;font-size:1.1rem;transition:transform .35s var(--spring),background .3s}
.faq details[open] summary::before{content:"–";transform:rotate(180deg);background:var(--brand-grad);color:#fff}
.faq-a{padding:0 0 18px 36px;color:var(--muted);animation:slideIn .35s var(--ease)}

/* ad slots */
.ad-slot{display:flex;align-items:center;justify-content:center;min-height:100px;margin:24px 0;background:var(--surface-2);border:1px dashed var(--line-2);border-radius:var(--r-md);color:var(--faint);font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;font-weight:600}

/* content pages */
.content-page h1{margin:.2em 0 .5em;font-size:clamp(1.7rem,4.4vw,2.3rem)}
.content-page h2{margin-top:1.5em}
.content-page p,.content-page li{color:var(--ink-soft)}

/* related */
.related{max-width:760px;margin:0 auto}
.related .card-grid{grid-template-columns:repeat(3,1fr)}

/* ---------- footer ---------- */
.site-footer{margin-top:56px;background:linear-gradient(170deg,#0c1a15,#0a4030);color:#a9c2b6;padding:46px 0 30px;position:relative;overflow:hidden}
.site-footer::before{content:"";position:absolute;top:-40%;right:-10%;width:50%;height:120%;background:radial-gradient(circle,rgba(19,178,119,.18),transparent 65%);pointer-events:none}
.footer-cols{display:grid;grid-template-columns:2fr 1fr;gap:30px;margin-bottom:26px;position:relative}
.footer-col h3{color:#eaf6f0;font-family:var(--font-display);font-size:1rem;margin:0 0 14px;letter-spacing:-.01em}
.footer-col ul{list-style:none;margin:0;padding:0}
.footer-col:first-child ul{columns:2;column-gap:24px}
.footer-col li{margin:.45em 0;break-inside:avoid}
.footer-col a{color:#a9c2b6;font-size:.9rem;transition:color .2s}
.footer-col a:hover{color:#fff}
.site-footer .disclaimer{font-size:.78rem;line-height:1.65;border-top:1px solid rgba(255,255,255,.1);padding-top:18px;position:relative;color:#8aa89c}
.site-footer .copyright{font-size:.78rem;margin-top:10px;color:#6f8c80}
.site-footer strong{color:#cfe6db}

/* ---------- keyframes ---------- */
@keyframes rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
@keyframes slideIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes growBar{from{width:0}}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:980px){
  .hero{grid-template-columns:1fr;gap:24px}
  .hero-visual{order:-1;min-height:auto;padding:0 4px}
  .hero-card{margin:0 auto;max-width:min(360px,100%);width:100%}
  .chip-1{left:0}.chip-2{left:auto;right:0;bottom:10%}
}
@media(max-width:880px){
  .cat-grid{grid-template-columns:repeat(2,1fr)}
  .feature-grid{grid-template-columns:1fr;gap:14px}
  .related .card-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .container{padding:0 16px}
  .hero-chip{display:none}                 /* decorative — drop on phones to avoid edge clip */
  .hero-card{max-width:100%}
  .stats-strip{grid-template-columns:repeat(2,1fr)}
  .stats-strip>div{padding:16px 10px}
  .calc-form{grid-template-columns:1fr}
  .cat-head{gap:11px}
  .cat-icon{width:42px;height:42px;font-size:1.2rem}
  .cat-count{display:none}
  .hero-cta{flex-direction:column;align-items:stretch}
  .btn-primary,.btn-ghost{text-align:center}
}
@media(max-width:480px){
  .cat-grid,.related .card-grid{grid-template-columns:1fr}
  .hero-card{padding:22px}
  .hc-amount{font-size:2.4rem}
  .calc-page h1{gap:10px}
  .h1-ico{width:44px;height:44px;font-size:1.3rem}
}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}

@media print{
  body::before,body::after,.site-header,.site-footer,.ad-slot,.main-nav,.nav-burger,.related,.calc-actions,.btn-calc,.faq,.hero-visual{display:none!important}
  body{background:#fff}
  .calc{box-shadow:none;border:1px solid #000}
}