/* ===== RESET & BASE ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
    /* Light Theme Colors */
    --bg-primary: #f8fafc;
    --bg-secondary: #ffffff;
    --bg-card: #ffffff;
    --bg-hover: #f1f5f9;
    --bg-subtle: #f8fafc;

    /* Accent Colors */
    --accent-1: #4f46e5;
    --accent-2: #7c3aed;
    --accent-3: #0ea5e9;
    --accent-green: #10b981;
    --accent-amber: #f59e0b;
    --accent-rose: #f43f5e;

    /* Gradients */
    --gradient-main: linear-gradient(135deg, #4f46e5, #7c3aed);
    --gradient-hero: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    --gradient-accent: linear-gradient(135deg, #4f46e5, #0ea5e9);
    --gradient-warm: linear-gradient(135deg, #f59e0b, #f43f5e);
    --gradient-soft: linear-gradient(135deg, rgba(79,70,229,0.08), rgba(124,58,237,0.08));
    --gradient-card: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);

    /* Text Colors */
    --text-primary: #0f172a;
    --text-secondary: #475569;
    --text-muted: #94a3b8;
    --text-accent: #4f46e5;

    /* Borders */
    --border-light: #e2e8f0;
    --border-medium: #cbd5e1;
    --border-accent: rgba(79, 70, 229, 0.2);

    /* Shadows */
    --shadow-xs: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.08), 0 1px 2px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08), 0 2px 4px -2px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.08), 0 8px 10px -6px rgba(0, 0, 0, 0.04);
    --shadow-glow: 0 0 40px rgba(79, 70, 229, 0.12);

    /* Typography */
    --font-main: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-mono: 'JetBrains Mono', 'Fira Code', monospace;

    /* Spacing */
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;

    /* Transitions */
    --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
    --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
    --transition-fast: 0.15s var(--ease-out);
    --transition-normal: 0.3s var(--ease-out);
    --transition-slow: 0.5s var(--ease-out);
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: var(--font-main);
    background: var(--bg-primary);
    color: var(--text-primary);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

.container {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 24px;
}

.hidden { display: none !important; }

/* ===== SKIP LINK ===== */
.skip-link {
    position: absolute;
    top: -100%;
    left: 16px;
    background: var(--accent-1);
    color: #fff;
    padding: 12px 24px;
    border-radius: var(--radius-md);
    z-index: 1000;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: top 0.2s;
}
.skip-link:focus { top: 16px; }

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(20px) saturate(180%);
    -webkit-backdrop-filter: blur(20px) saturate(180%);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition-normal);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

.header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-icon {
    width: 42px;
    height: 42px;
    border-radius: var(--radius-md);
    background: var(--gradient-main);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    font-weight: 800;
    color: #fff;
    box-shadow: 0 4px 12px rgba(79, 70, 229, 0.3);
    transition: transform var(--transition-fast);
}

.logo:hover .logo-icon {
    transform: scale(1.05) rotate(-3deg);
}

.logo-text {
    font-size: 19px;
    font-weight: 700;
    color: var(--text-primary);
    letter-spacing: -0.3px;
}

.nav { display: flex; gap: 4px; }

.nav-link {
    padding: 8px 18px;
    border-radius: var(--radius-full);
    text-decoration: none;
    color: var(--text-secondary);
    font-size: 14px;
    font-weight: 500;
    transition: var(--transition-fast);
    position: relative;
}

.nav-link:hover {
    color: var(--accent-1);
    background: var(--gradient-soft);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 2px;
    left: 50%;
    transform: translateX(-50%) scaleX(0);
    width: 20px;
    height: 2px;
    background: var(--accent-1);
    border-radius: 2px;
    transition: transform var(--transition-fast);
}

.nav-link:hover::after {
    transform: translateX(-50%) scaleX(1);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
    border-radius: var(--radius-sm);
    transition: background var(--transition-fast);
}

.mobile-menu-btn:hover { background: var(--bg-hover); }

.mobile-menu-btn span {
    width: 22px;
    height: 2px;
    background: var(--text-secondary);
    border-radius: 2px;
    transition: var(--transition-fast);
}

/* ===== BREADCRUMB ===== */
.breadcrumb-nav {
    padding: 88px 0 0;
}

.breadcrumb-list {
    list-style: none;
    display: flex;
    gap: 8px;
    font-size: 13px;
    color: var(--text-muted);
    padding: 0;
}

.breadcrumb-list li::after {
    content: '/';
    margin-left: 8px;
    color: var(--border-medium);
}

.breadcrumb-list li:last-child::after { content: ''; }

.breadcrumb-list a {
    color: var(--text-muted);
    text-decoration: none;
    transition: color var(--transition-fast);
}

.breadcrumb-list a:hover { color: var(--accent-1); }

/* ===== HERO ===== */
.hero {
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
    text-align: center;
    background: linear-gradient(180deg, #f0f4ff 0%, var(--bg-primary) 100%);
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -10%;
    width: 120%;
    height: 200%;
    background: radial-gradient(ellipse at 30% 20%, rgba(79, 70, 229, 0.06) 0%, transparent 50%),
                radial-gradient(ellipse at 70% 80%, rgba(124, 58, 237, 0.05) 0%, transparent 50%),
                radial-gradient(ellipse at 50% 50%, rgba(14, 165, 233, 0.03) 0%, transparent 60%);
    pointer-events: none;
}

.hero-bg-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}

.shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.5;
    animation: float 8s ease-in-out infinite;
}

.shape-1 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(79, 70, 229, 0.15), transparent 70%);
    top: -80px;
    right: -60px;
}

.shape-2 {
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(124, 58, 237, 0.12), transparent 70%);
    bottom: -40px;
    left: -40px;
    animation-delay: -3s;
}

.shape-3 {
    width: 180px;
    height: 180px;
    background: radial-gradient(circle, rgba(14, 165, 233, 0.1), transparent 70%);
    top: 40%;
    left: 55%;
    animation-delay: -5s;
}

@keyframes float {
    0%, 100% { transform: translateY(0) scale(1); }
    50% { transform: translateY(-20px) scale(1.03); }
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 22px;
    border-radius: var(--radius-full);
    background: var(--bg-secondary);
    border: 1px solid var(--border-light);
    font-size: 13px;
    font-weight: 600;
    color: var(--accent-1);
    margin-bottom: 32px;
    box-shadow: var(--shadow-sm);
    animation: fadeInUp 0.6s var(--ease-out);
    position: relative;
    z-index: 1;
}

.hero-badge::before {
    content: '';
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--accent-green);
    box-shadow: 0 0 8px rgba(16, 185, 129, 0.5);
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.7; transform: scale(1.2); }
}

.hero-title {
    font-size: clamp(2.4rem, 5.5vw, 4rem);
    font-weight: 800;
    line-height: 1.12;
    margin-bottom: 24px;
    letter-spacing: -0.03em;
    animation: fadeInUp 0.6s var(--ease-out) 0.1s both;
    position: relative;
    z-index: 1;
}

.gradient-text {
    background: var(--gradient-main);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 18px;
    color: var(--text-secondary);
    max-width: 620px;
    margin: 0 auto 48px;
    line-height: 1.7;
    animation: fadeInUp 0.6s var(--ease-out) 0.2s both;
    position: relative;
    z-index: 1;
}

.hero-stats {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 40px;
    margin-bottom: 48px;
    animation: fadeInUp 0.6s var(--ease-out) 0.3s both;
    position: relative;
    z-index: 1;
}

.stat-item { text-align: center; }

.stat-value {
    display: block;
    font-size: 32px;
    font-weight: 800;
    color: var(--text-primary);
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.stat-label {
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 500;
    margin-top: 4px;
}

.stat-divider {
    width: 1px;
    height: 48px;
    background: var(--border-light);
}

.hero-cta {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 36px;
    border-radius: var(--radius-full);
    background: var(--gradient-main);
    color: #fff;
    font-weight: 700;
    font-size: 16px;
    text-decoration: none;
    transition: var(--transition-normal);
    box-shadow: 0 4px 20px rgba(79, 70, 229, 0.35);
    animation: fadeInUp 0.6s var(--ease-out) 0.4s both;
    position: relative;
    z-index: 1;
}

.hero-cta:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 30px rgba(79, 70, 229, 0.45);
}

.hero-cta:active {
    transform: translateY(-1px);
}

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===== SECTION COMMON ===== */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-tag {
    display: inline-block;
    padding: 6px 16px;
    border-radius: var(--radius-full);
    background: var(--gradient-soft);
    border: 1px solid var(--border-accent);
    font-size: 12px;
    font-weight: 700;
    color: var(--accent-1);
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 16px;
}

.section-title {
    font-size: clamp(1.8rem, 3.5vw, 2.5rem);
    font-weight: 800;
    margin-bottom: 16px;
    letter-spacing: -0.02em;
    color: var(--text-primary);
}

.section-desc {
    font-size: 16px;
    color: var(--text-secondary);
    max-width: 640px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ===== CALCULATOR ===== */
.calculator-section {
    padding: 100px 0;
}

.calc-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: start;
}

.calc-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}

.calc-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-main);
    border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

.calc-form {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-label {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
    background: var(--bg-primary);
    border: 2px solid var(--border-light);
    border-radius: var(--radius-md);
    transition: var(--transition-fast);
    overflow: hidden;
}

.input-wrapper:focus-within {
    border-color: var(--accent-1);
    box-shadow: 0 0 0 4px rgba(79, 70, 229, 0.1);
}

.input-icon {
    padding: 0 16px;
    font-size: 15px;
    font-weight: 700;
    color: var(--text-muted);
    border-right: 1px solid var(--border-light);
    background: var(--bg-hover);
    align-self: stretch;
    display: flex;
    align-items: center;
}

.input-wrapper input,
.input-wrapper select {
    flex: 1;
    padding: 14px 16px;
    background: transparent;
    border: none;
    color: var(--text-primary);
    font-size: 15px;
    font-family: var(--font-main);
    outline: none;
    width: 100%;
}

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

.input-wrapper select { cursor: pointer; }

.input-wrapper select option {
    background: var(--bg-secondary);
    color: var(--text-primary);
    padding: 8px;
}

.form-help {
    font-size: 12px;
    color: var(--text-muted);
    line-height: 1.4;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.btn-calculate {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 16px 32px;
    border: none;
    border-radius: var(--radius-md);
    background: var(--gradient-main);
    color: #fff;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition-normal);
    font-family: var(--font-main);
    margin-top: 8px;
    letter-spacing: -0.01em;
}

.btn-calculate:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(79, 70, 229, 0.4);
}

.btn-calculate:active {
    transform: scale(0.98);
}

.btn-icon {
    font-size: 20px;
    transition: transform var(--transition-fast);
}

.btn-calculate:hover .btn-icon {
    transform: translateX(4px);
}

/* ===== RESULTS ===== */
.results-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    animation: fadeInUp 0.5s var(--ease-out);
    position: relative;
    overflow: hidden;
}

.results-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(135deg, #10b981, #0ea5e9);
    border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

.results-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 28px;
}

.results-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text-primary);
}

.btn-reset {
    padding: 8px 18px;
    border-radius: var(--radius-full);
    background: var(--bg-primary);
    border: 1px solid var(--border-light);
    color: var(--text-secondary);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-fast);
    font-family: var(--font-main);
}

.btn-reset:hover {
    color: var(--accent-rose);
    border-color: var(--accent-rose);
    background: rgba(244, 63, 94, 0.05);
}

.result-grid {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 28px;
}

.result-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px;
    border-radius: var(--radius-md);
    background: var(--bg-primary);
    border: 1px solid var(--border-light);
    transition: var(--transition-fast);
}

.result-item.highlight {
    background: linear-gradient(135deg, rgba(79, 70, 229, 0.06), rgba(124, 58, 237, 0.06));
    border-color: rgba(79, 70, 229, 0.15);
}

.result-item.total {
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.06), rgba(14, 165, 233, 0.06));
    border-color: rgba(16, 185, 129, 0.15);
}

.result-label {
    font-size: 14px;
    color: var(--text-secondary);
    font-weight: 500;
}

.result-value {
    font-size: 18px;
    font-weight: 700;
    font-family: var(--font-mono);
    color: var(--text-primary);
    letter-spacing: -0.02em;
}

.result-item.highlight .result-value {
    color: var(--accent-2);
}

.result-item.total .result-value {
    color: var(--accent-green);
    font-size: 20px;
}

.result-rate {
    font-size: 12px;
    color: var(--text-muted);
    margin-left: 8px;
    font-weight: 500;
}

.result-annual {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    padding: 20px;
    background: var(--bg-primary);
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    margin-bottom: 28px;
}

.annual-item { text-align: center; }

.annual-label {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 6px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.annual-value {
    font-size: 17px;
    font-weight: 700;
    font-family: var(--font-mono);
    color: var(--accent-3);
    letter-spacing: -0.02em;
}

/* Comparison */
.result-comparison {
    padding: 24px;
    background: var(--bg-primary);
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    margin-bottom: 24px;
}

.result-comparison h4 {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-secondary);
    margin-bottom: 18px;
}

.comparison-row {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
}

.comp-label {
    font-size: 12px;
    color: var(--text-muted);
    width: 130px;
    flex-shrink: 0;
    font-weight: 500;
}

.comp-bar {
    flex: 1;
    height: 28px;
    background: var(--bg-hover);
    border-radius: var(--radius-full);
    overflow: hidden;
    border: 1px solid var(--border-light);
}

.comp-fill {
    height: 100%;
    border-radius: var(--radius-full);
    transition: width 0.8s var(--ease-out);
}

.comp-fill.old { background: var(--border-medium); }
.comp-fill.new { background: var(--gradient-main); }

.comp-value {
    font-size: 13px;
    font-weight: 600;
    font-family: var(--font-mono);
    width: 80px;
    text-align: right;
    color: var(--text-primary);
}

.comp-diff {
    font-size: 14px;
    color: var(--accent-green);
    margin-top: 14px;
    font-weight: 600;
}

.btn-print {
    width: 100%;
    padding: 14px;
    border-radius: var(--radius-md);
    background: var(--bg-primary);
    border: 1px solid var(--border-light);
    color: var(--text-secondary);
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-fast);
    font-family: var(--font-main);
}

.btn-print:hover {
    border-color: var(--accent-1);
    color: var(--accent-1);
    background: var(--gradient-soft);
}

/* ===== DA RATES TABLE ===== */
.rates-section {
    padding: 100px 0;
    background: var(--bg-secondary);
}

.table-wrapper {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    overflow-x: auto;
}

.da-table {
    width: 100%;
    border-collapse: collapse;
}

.da-table th {
    padding: 18px 24px;
    text-align: left;
    font-size: 12px;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
    background: var(--bg-primary);
    border-bottom: 2px solid var(--border-light);
}

.da-table td {
    padding: 16px 24px;
    font-size: 14px;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border-light);
    transition: background var(--transition-fast);
}

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

.da-table tr:hover td { background: var(--bg-hover); }

.da-table tr.latest td {
    background: linear-gradient(135deg, rgba(79, 70, 229, 0.05), rgba(124, 58, 237, 0.05));
    color: var(--text-primary);
    font-weight: 600;
}

.da-table tr.frozen td {
    background: rgba(244, 63, 94, 0.03);
    color: var(--accent-rose);
    font-style: italic;
}

.badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: var(--radius-full);
    font-size: 11px;
    font-weight: 700;
    background: var(--bg-primary);
    color: var(--text-muted);
    border: 1px solid var(--border-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.badge-latest {
    background: linear-gradient(135deg, rgba(79, 70, 229, 0.1), rgba(124, 58, 237, 0.1));
    color: var(--accent-1);
    border-color: rgba(79, 70, 229, 0.2);
}

.badge-active {
    background: rgba(16, 185, 129, 0.1);
    color: var(--accent-green);
    border-color: rgba(16, 185, 129, 0.2);
}

.badge-restored {
    background: rgba(245, 158, 11, 0.1);
    color: var(--accent-amber);
    border-color: rgba(245, 158, 11, 0.2);
}

.badge-frozen {
    background: rgba(244, 63, 94, 0.1);
    color: var(--accent-rose);
    border-color: rgba(244, 63, 94, 0.2);
}

/* ===== HOW SECTION ===== */
.how-section {
    padding: 100px 0;
}

.info-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.info-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    padding: 36px;
    transition: var(--transition-normal);
    position: relative;
    overflow: hidden;
}

.info-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    opacity: 0;
    transition: opacity var(--transition-fast);
}

.info-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(79, 70, 229, 0.15);
}

.info-card:hover::before { opacity: 1; }

.info-icon {
    font-size: 36px;
    margin-bottom: 20px;
    display: inline-block;
}

.info-card h3 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 16px;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.info-card p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.8;
}

.info-card ul {
    list-style: none;
    margin-top: 12px;
}

.info-card li {
    padding: 8px 0;
    font-size: 14px;
    color: var(--text-secondary);
    padding-left: 24px;
    position: relative;
    line-height: 1.6;
}

.info-card li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 14px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--gradient-main);
}

.formula-box {
    padding: 18px 22px;
    background: var(--bg-primary);
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    margin-bottom: 18px;
    position: relative;
    overflow: hidden;
}

.formula-box::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--gradient-main);
}

.formula-box code {
    font-family: var(--font-mono);
    font-size: 14px;
    color: var(--accent-1);
    font-weight: 500;
}

/* ===== FAQ ===== */
.faq-section {
    padding: 100px 0;
    background: var(--bg-secondary);
}

.faq-list {
    max-width: 780px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: var(--transition-fast);
}

.faq-item:hover {
    border-color: rgba(79, 70, 229, 0.15);
}

.faq-item[open] {
    border-color: rgba(79, 70, 229, 0.2);
    box-shadow: var(--shadow-md);
}

.faq-question {
    padding: 22px 28px;
    cursor: pointer;
    font-size: 15px;
    font-weight: 600;
    color: var(--text-primary);
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    transition: var(--transition-fast);
    line-height: 1.5;
}

.faq-question::-webkit-details-marker { display: none; }

.faq-question:hover {
    color: var(--accent-1);
}

.faq-question::after {
    content: '+';
    font-size: 22px;
    font-weight: 300;
    color: var(--text-muted);
    transition: var(--transition-normal);
    flex-shrink: 0;
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: var(--bg-primary);
    border: 1px solid var(--border-light);
}

.faq-item[open] .faq-question::after {
    content: '−';
    color: var(--accent-1);
    background: var(--gradient-soft);
    border-color: rgba(79, 70, 229, 0.2);
    transform: rotate(180deg);
}

.faq-answer {
    padding: 0 28px 24px;
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.9;
    animation: fadeIn 0.3s var(--ease-out);
}

.faq-answer strong {
    color: var(--text-primary);
    font-weight: 600;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(-4px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===== FOOTER ===== */
.footer {
    padding: 80px 0 40px;
    border-top: 1px solid var(--border-light);
    background: var(--bg-primary);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 48px;
}

.footer-brand .logo-icon {
    display: inline-flex;
}

.footer-brand .logo-text {
    vertical-align: middle;
    margin-left: 10px;
}

.footer-desc {
    margin-top: 16px;
    font-size: 14px;
    color: var(--text-muted);
    max-width: 380px;
    line-height: 1.7;
}

.footer-links h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 18px;
    color: var(--text-primary);
}

.footer-links a {
    display: block;
    padding: 6px 0;
    font-size: 14px;
    color: var(--text-muted);
    text-decoration: none;
    transition: var(--transition-fast);
    position: relative;
}

.footer-links a:hover {
    color: var(--accent-1);
    padding-left: 8px;
}

.footer-bottom {
    border-top: 1px solid var(--border-light);
    padding-top: 28px;
    text-align: center;
}

.footer-bottom p {
    font-size: 13px;
    color: var(--text-muted);
}

.footer-disclaimer {
    margin-top: 10px;
    font-size: 12px;
    color: var(--text-muted);
    opacity: 0.8;
}

.footer-disclaimer a {
    color: var(--accent-1);
    text-decoration: none;
    font-weight: 500;
}

.footer-disclaimer a:hover {
    text-decoration: underline;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
    .nav { display: none; }
    .nav.open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        background: var(--bg-secondary);
        border-bottom: 1px solid var(--border-light);
        padding: 16px;
        box-shadow: var(--shadow-lg);
    }
    .nav.open .nav-link {
        padding: 14px 20px;
        border-radius: var(--radius-md);
    }
    .mobile-menu-btn { display: flex; }

    .hero { padding: 60px 0 80px; }
    .hero-stats { flex-direction: column; gap: 20px; }
    .stat-divider { width: 48px; height: 1px; }

    .calc-wrapper { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .info-grid { grid-template-columns: 1fr; }
    .footer-content { grid-template-columns: 1fr; gap: 32px; }
    .result-annual { grid-template-columns: 1fr; }
    .comparison-row { flex-wrap: wrap; }
    .comp-label { width: 100%; }

    .breadcrumb-nav { padding-top: 82px; }

    .rates-section,
    .how-section,
    .faq-section,
    .calculator-section {
        padding: 70px 0;
    }
}

@media (max-width: 480px) {
    .hero-title { font-size: 2rem; }
    .hero-subtitle { font-size: 16px; }
    .stat-value { font-size: 26px; }

    .calc-card,
    .results-card {
        padding: 28px;
    }

    .da-table th,
    .da-table td {
        padding: 12px 16px;
        font-size: 13px;
    }

    .section-title { font-size: 1.6rem; }
    .section-header { margin-bottom: 40px; }

    .faq-question { padding: 18px 20px; font-size: 14px; }
    .faq-answer { padding: 0 20px 20px; }
}

/* ===== PRINT ===== */
@media print {
    .header, .hero, .rates-section, .how-section, .faq-section, .footer,
    .btn-calculate, .btn-reset, .btn-print, .section-header,
    .breadcrumb-nav, .skip-link {
        display: none !important;
    }
    body { background: #fff; color: #000; }
    .results-card {
        display: block !important;
        background: #fff;
        border: 1px solid #ddd;
        box-shadow: none;
        max-width: 100%;
    }
    .results-card::before { display: none; }
    .result-item { background: #f9f9f9; border: 1px solid #eee; }
    .result-value, .annual-value, .comp-value { color: #000 !important; }
    .result-comparison { background: #f9f9f9; }
}