:root {
    /* Premium Fintech Palette */
    --bg-main: #F7F8FA;
    --surface: #FFFFFF;
    --text-main: #0F172A; /* Slate 900 */
    --text-muted: #475569; /* Slate 600 */
    --accent: #10B981; /* Emerald */
    --navy: #0B1220;
    --border: #E5E7EB; /* Gray 200 */
    
    /* Trust Gradient */
    --trust-gradient: linear-gradient(135deg, #0284c7 0%, #10b981 100%);
    --shadow-soft: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -1px rgba(0, 0, 0, 0.03);
    --shadow-hover: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -2px rgba(0, 0, 0, 0.04);
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px;
}

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

body {
    background-color: var(--bg-main);
    color: var(--text-main);
    font-family: 'Inter', -apple-system, sans-serif;
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border-width: 0;
}

h1, h2, h3, h4, .logo, .huge-number, .formula-math {
    font-family: 'Space Grotesk', sans-serif;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.text-gradient {
    background: var(--trust-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}

/* Header */
.fin-header { background: var(--surface); border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 100; padding: 16px 0; }
.header-flex { display: flex; justify-content: space-between; align-items: center; }
.logo { display: flex; align-items: center; gap: 10px; font-size: 1.15rem; font-weight: 700; color: var(--navy); text-decoration: none; white-space: nowrap; }
.logo svg { flex-shrink: 0; }
nav a { color: var(--text-muted); text-decoration: none; margin-left: 32px; font-weight: 500; font-size: 0.95rem; transition: color 0.2s; }
nav a:hover { color: var(--navy); }

/* Hero Section */
.hero { text-align: center; padding: 70px 0 50px; max-width: 850px; margin: 0 auto; }
.hero h1 { font-size: clamp(36px, 6vw, 72px); font-weight: 700; line-height: 1.1; letter-spacing: -0.04em; color: var(--navy); margin-bottom: 20px; }
.hero p { color: var(--text-muted); font-size: 1.2rem; margin-bottom: 40px; }

/* Last Updated SEO Text */
.last-updated { font-size: 0.9rem; color: #64748B; margin-top: -10px; margin-bottom: 40px; font-weight: 500; }

/* Social Proof */
.social-proof { display: flex; justify-content: center; flex-wrap: wrap; gap: 16px; margin-bottom: 40px; }
.proof-item { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 12px; width: 160px; }
.proof-icon { width: 40px; height: 40px; border-radius: 50%; background: transparent; border: 2px solid var(--accent); color: var(--accent); display: flex; align-items: center; justify-content: center; }
.proof-icon svg { width: 20px; height: 20px; }
.proof-item span { font-size: 0.95rem; font-weight: 600; color: var(--text-muted); white-space: nowrap; }

/* AdSense Strategy */
.ad-slot { width: 100%; max-width: 728px; min-height: 90px; background: #F8FAFC; border-radius: 16px; border: 1px dashed #CBD5E1; margin: 0 auto 60px; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.ad-placeholder { color: #94A3B8; font-size: 0.85rem; font-weight: 500; letter-spacing: 0.05em; text-transform: uppercase; }

/* Scenario Presets */
.presets-container { display: flex; align-items: center; gap: 12px; margin-bottom: 32px; overflow-x: auto; padding-bottom: 10px; scrollbar-width: none; }
.presets-container::-webkit-scrollbar { display: none; }
.presets-label { font-size: 0.9rem; font-weight: 600; color: var(--text-muted); white-space: nowrap; margin-right: 8px; }
.preset-btn { background: var(--surface); border: 1px solid var(--border); color: var(--text-main); padding: 10px 20px; border-radius: 100px; font-size: 0.95rem; font-weight: 500; font-family: 'Inter', sans-serif; cursor: pointer; white-space: nowrap; transition: all 0.2s ease; }
.preset-btn:hover { border-color: var(--text-muted); box-shadow: var(--shadow-soft); }
.preset-btn.active { background: var(--navy); color: var(--surface); border-color: var(--navy); }

/* Soft Card & Base Tool Grid */
.soft-card { background: var(--surface); border: 1px solid var(--border); border-radius: 24px; padding: 40px; box-shadow: var(--shadow-soft); width: 100%; }
.tool-grid { display: grid; grid-template-columns: 35% 1fr; gap: 32px; margin-bottom: 60px; align-items: start; width: 100%; }
.input-group { margin-bottom: 28px; }
.input-group label { display: block; margin-bottom: 10px; font-size: 0.95rem; font-weight: 600; color: var(--text-muted); }
input[type="number"], select { width: 100%; background: var(--bg-main); border: 1px solid var(--border); color: var(--text-main); padding: 14px 18px; border-radius: 12px; font-family: 'Inter', sans-serif; font-size: 1rem; font-weight: 500; outline: none; transition: all 0.2s; box-sizing: border-box; }
select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e"); background-repeat: no-repeat; background-position: right 18px center; background-size: 16px; padding-right: 40px; cursor: pointer; }
input[type="number"]:focus, select:focus { border-color: #0284c7; background: var(--surface); box-shadow: 0 0 0 4px rgba(2, 132, 199, 0.1); }
.slider-wrapper { display: flex; align-items: center; gap: 16px; }
input[type="range"] { flex-grow: 1; accent-color: #0284c7; height: 6px; border-radius: 3px; outline: none; }
.slider-wrapper input[type="number"] { width: 90px; padding: 12px; text-align: center; }

/* Advanced Settings Toggle */
.advanced-toggle-btn { background: none; border: none; color: #0284c7; font-weight: 600; font-family: 'Inter', sans-serif; font-size: 0.95rem; cursor: pointer; padding: 0; margin-top: 10px; text-align: left; transition: color 0.2s; }
.advanced-toggle-btn:hover { color: var(--navy); }
.advanced-settings-panel { display: none; margin-top: 24px; padding-top: 24px; border-top: 1px dashed var(--border); }
.advanced-settings-panel.show { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }

/* Results */
.results-panel { position: sticky; top: 100px; }
.summary-header { margin-bottom: 32px; }
.summary-label { font-size: 1.1rem; font-weight: 500; color: var(--text-muted); margin-bottom: 8px; }
.huge-number { font-size: 64px; font-weight: 700; letter-spacing: -0.02em; color: var(--navy); line-height: 1.1; word-break: break-word; }
.split-metrics { display: flex; gap: 48px; margin-bottom: 32px; border-top: 1px solid var(--border); padding-top: 32px; }
.metric { display: flex; align-items: flex-start; gap: 16px; }
.indicator { width: 14px; height: 14px; border-radius: 4px; margin-top: 8px; flex-shrink: 0; }
.indicator.gray { background-color: var(--border); }
.indicator.green { background-color: var(--accent); }
.metric-label { font-size: 0.95rem; color: var(--text-muted); margin-bottom: 4px; }
.metric-value { font-size: 1.4rem; font-weight: 600; color: var(--text-main); word-break: break-word; }
.text-success { color: var(--accent); }
.chart-container { position: relative; height: 350px; width: 100%; margin-bottom: 24px; }

/* Dynamic Insight Box */
.dynamic-insight-box { background: rgba(2, 132, 199, 0.05); border-left: 4px solid var(--accent); padding: 16px 20px; border-radius: 8px 16px 16px 8px; margin-bottom: 32px; }
.dynamic-insight-box p { margin: 0; color: var(--navy); font-size: 0.95rem; font-weight: 500; line-height: 1.6; }
.dynamic-insight-box strong { font-weight: 700; color: var(--text-main); }

/* Actions (Copy Link) */
.results-actions { display: flex; justify-content: flex-end; margin-top: -10px; margin-bottom: 20px;}
.copy-btn { display: flex; align-items: center; gap: 8px; background: var(--bg-main); border: 1px solid var(--border); padding: 8px 16px; border-radius: 100px; font-size: 0.85rem; font-weight: 600; color: var(--text-muted); cursor: pointer; font-family: 'Inter', sans-serif; transition: all 0.2s; }
.copy-btn:hover { background: var(--surface); color: var(--navy); border-color: var(--text-muted); }

/* Yearly Breakdown Table Toggle */
.breakdown-wrapper { margin-top: 24px; border-top: 1px solid var(--border); padding-top: 24px; text-align: center;}
.breakdown-toggle-btn { background: var(--bg-main); border: 1px solid var(--border); border-radius: 100px; padding: 10px 24px; font-family: 'Inter', sans-serif; font-weight: 600; font-size: 0.95rem; color: var(--navy); cursor: pointer; transition: all 0.2s; }
.breakdown-toggle-btn:hover { background: var(--surface); border-color: var(--text-muted); }
.breakdown-container { display: none; margin-top: 24px; text-align: left; }
.breakdown-container.show { display: block; animation: fadeIn 0.3s ease; }
.yearly-table th, .yearly-table td { padding: 12px 16px; font-size: 0.95rem; }

/* ==========================================================
   SEO CONTENT CLUSTER STYLES
   ========================================================== */
.seo-content-wrapper { display: flex; flex-direction: column; gap: 60px; margin-bottom: 100px; }
.seo-block { padding: 60px; }
.seo-block h2 { font-size: 2.2rem; margin-bottom: 30px; letter-spacing: -0.02em; line-height: 1.2; color: var(--navy); }
.seo-block h3 { font-size: 1.5rem; color: var(--navy); margin: 0 0 16px; line-height: 1.3; }
.h-mt { margin-top: 50px !important; }
.seo-block p { color: var(--text-muted); margin-bottom: 24px; font-size: 1.1rem; }

/* Table of Contents */
.toc-container { padding: 32px 40px; margin-bottom: -20px; }
.toc-container h3 { font-size: 1.2rem; margin-bottom: 16px; color: var(--navy); }
.toc-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.toc-list a { color: var(--text-muted); text-decoration: none; font-weight: 500; font-size: 1.05rem; display: flex; align-items: center; transition: color 0.2s; }
.toc-list a::before { content: "→"; color: var(--accent); margin-right: 12px; font-weight: bold; }
.toc-list a:hover { color: #0284c7; }

/* Grid Layouts */
.grid-2-col { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 32px; }

/* Feature Image */
.seo-feature-image { width: 100%; max-height: 400px; object-fit: cover; border-radius: 16px; margin-bottom: 24px; border: 1px solid var(--border); box-shadow: var(--shadow-soft); }

/* Formula Box */
.formula-box { background: var(--bg-main); border: 1px solid var(--border); border-radius: 16px; padding: 32px; margin: 32px 0; text-align: center; }
.formula-title { font-weight: 600; color: var(--navy); text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.9rem; margin-bottom: 16px !important; }
.formula-math { font-size: 2.5rem; color: #0284c7; margin-bottom: 24px; font-weight: 700; letter-spacing: 0.05em; }
.formula-legend { list-style: none; text-align: left; max-width: 400px; margin: 0 auto; color: var(--text-muted); }
.formula-legend li { margin-bottom: 8px; font-size: 0.95rem; border-bottom: 1px dashed var(--border); padding-bottom: 8px; }
.formula-legend li:last-child { border: none; }

/* Stat Highlights */
.highlight-theme { background: var(--trust-gradient); color: #FFFFFF; border: none; }
.highlight-theme h2 { color: #FFFFFF; }
.highlight-theme p { color: rgba(255,255,255,0.9); }
.stat-card { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); border-radius: 16px; padding: 24px; display: flex; flex-direction: column; }
.stat-featured { background: rgba(255, 255, 255, 0.25); border-color: rgba(255,255,255,0.5); transform: scale(1.05); box-shadow: 0 10px 25px rgba(0,0,0,0.1); }
.stat-rate { font-size: 0.9rem; font-weight: 600; color: rgba(255,255,255,0.8); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.05em; }
.stat-featured .stat-rate, .text-white { color: #FFFFFF; }
.stat-value { font-size: 2rem; font-weight: 700; color: #FFFFFF; font-family: 'Space Grotesk', sans-serif; margin-bottom: 4px; }
.stat-desc { font-size: 0.85rem; color: rgba(255,255,255,0.8); }

/* Info Strips */
.info-strip { background: var(--bg-main); padding: 24px; border-radius: 16px; border: 1px solid var(--border); }
.strip-header { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.material-icon { width: 24px; height: 24px; color: var(--accent); flex-shrink: 0; }
.strip-header h4 { margin-bottom: 0; font-size: 1.1rem; color: var(--navy); }
.info-strip p { font-size: 0.95rem; margin-bottom: 0; }

/* Timelines / Age Grid */
.timeline-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin: 40px 0; }
.timeline-item { display: flex; gap: 20px; background: var(--bg-main); padding: 24px; border-radius: 16px; align-items: flex-start;}
.age-badge { background: var(--trust-gradient); color: #fff; padding: 8px 16px; border-radius: 100px; font-weight: 700; font-size: 0.9rem; white-space: nowrap; }
.age-content h4 { font-size: 1.2rem; color: var(--navy); margin-bottom: 8px; }
.age-content p { font-size: 0.95rem; margin-bottom: 0; }

/* Pull Quote */
.pull-quote { font-family: 'Space Grotesk', sans-serif; font-size: 1.5rem; font-weight: 600; color: var(--navy); border-left: 4px solid var(--accent); padding-left: 24px; margin: 40px 0; line-height: 1.4; }

/* Warning Theme */
.warning-theme { background: var(--surface); border: 1px solid var(--border); border-left: 5px solid var(--accent); box-shadow: var(--shadow-soft); }
.styled-list { padding-left: 20px; color: var(--text-muted); }
.styled-list li { margin-bottom: 16px; font-size: 1.05rem; }
.styled-list strong { color: var(--navy); }

/* Glossary */
.bg-subtle { background: #F8FAFC; }
.glossary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 32px; }
.glossary-item dt { font-weight: 700; color: var(--navy); font-size: 1.1rem; margin-bottom: 8px; font-family: 'Space Grotesk', sans-serif; }
.glossary-item dd { color: var(--text-muted); font-size: 0.95rem; margin-left: 0; }

/* Author Box */
.author-box { border-top: 4px solid var(--accent); }

/* Related Links */
.related-tools-box { background: var(--trust-gradient); }
.related-tools-box h2 { color: #fff; }
.related-links { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.related-links li a { color: rgba(255, 255, 255, 0.85); text-decoration: none; font-weight: 500; display: flex; align-items: center; gap: 8px; transition: all 0.2s; }
.related-links li a::before { content: "→"; color: #fff; opacity: 0.6; transition: opacity 0.2s; }
.related-links li a:hover { color: #ffffff; }
.related-links li a:hover::before { opacity: 1; }

/* Tables */
.table-responsive { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 40px 0; border-radius: 16px; border: 1px solid var(--border); background: var(--surface); width: 100%; }
.premium-table { width: 100%; min-width: 600px; border-collapse: collapse; }
.premium-table th, .premium-table td { padding: 20px 24px; text-align: left; border-bottom: 1px solid var(--border); }
.premium-table th { background: #F8FAFC; font-weight: 600; color: var(--navy); font-size: 1.05rem; white-space: nowrap; }
.premium-table td { color: var(--text-muted); font-size: 1.05rem; }
.premium-table tbody tr:last-child td { border-bottom: none; }

/* FAQ Accordion */
.faq-accordion { display: flex; flex-direction: column; gap: 16px; margin-top: 30px; }
.faq-item { background: var(--bg-main); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; transition: box-shadow 0.2s; }
.faq-item:hover { box-shadow: var(--shadow-soft); }
.faq-item summary { padding: 24px; font-size: 1.15rem; font-weight: 600; color: var(--navy); cursor: pointer; list-style: none; position: relative; padding-right: 50px; }
.faq-item summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--text-muted); transition: transform 0.3s; }
.faq-item[open] summary::after { content: "−"; color: var(--accent); }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-content { padding: 0 24px 24px; }
.faq-content p { margin: 0; color: var(--text-muted); font-size: 1.05rem; }

/* Mobile Floating CTA */
.mobile-jump-btn { display: none; position: fixed; bottom: 24px; right: 24px; background: var(--trust-gradient); color: #fff; padding: 14px 24px; border-radius: 100px; font-weight: 700; font-family: 'Space Grotesk', sans-serif; box-shadow: 0 10px 25px rgba(16, 185, 129, 0.4); z-index: 90; text-decoration: none; transition: transform 0.2s; }
.mobile-jump-btn:active { transform: scale(0.95); }

/* Global Cookie Bar */
#global-cookie-bar { position: fixed; bottom: 30px; left: 50%; transform: translateX(-50%); width: 90%; max-width: 600px; background: var(--surface); border: 1px solid var(--border); padding: 20px 24px; border-radius: 20px; display: flex; justify-content: space-between; align-items: center; z-index: 9999; box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04); }
#global-cookie-bar p { font-size: 0.95rem; color: var(--text-muted); margin-right: 20px; margin-bottom: 0; }
#global-cookie-bar a { color: #0284c7; text-decoration: underline; }
#cookie-accept-btn { background: var(--navy); color: var(--surface); border: none; padding: 10px 24px; border-radius: 100px; cursor: pointer; font-weight: 600; font-family: 'Inter', sans-serif; transition: background 0.2s; white-space: nowrap; }
#cookie-accept-btn:hover { background: var(--text-muted); }

/* Footer */
footer { border-top: 1px solid var(--border); padding: 60px 0; background: var(--surface); }
.footer-content { display: flex; flex-direction: column; align-items: center; gap: 24px; text-align: center; }
.btn-back { color: var(--text-muted); text-decoration: none; font-weight: 600; transition: color 0.2s; }
.btn-back:hover { color: var(--navy); }
.legal-links a { color: var(--text-muted); text-decoration: none; margin: 0 16px; font-size: 0.95rem; }

/* ==========================================================================
   STRICT MOBILE RESPONSIVENESS OVERRIDES
   ========================================================================== */
@media (max-width: 992px) {
    .tool-grid { grid-template-columns: 1fr; }
    .grid-2-col, .grid-3-col, .glossary-grid { grid-template-columns: 1fr; }
    .stat-featured { transform: scale(1); }
    .related-links { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .container { padding: 0 16px; }
    .soft-card, .seo-block { padding: 24px 20px; }
    .toc-container { padding: 24px 20px; }
    
    .desktop-nav { display: none; }
    .logo { font-size: 1.05rem; }
    
    .hero h1 { font-size: 32px; }
    .hero p { font-size: 1.05rem; }
    .huge-number { font-size: 44px; }
    .seo-block h2 { font-size: 1.8rem; }
    .formula-math { font-size: 1.8rem; }
    
    .split-metrics { flex-direction: column; gap: 20px; }
    .seo-content-wrapper { gap: 40px; margin-bottom: 60px; }
    
    .social-proof { gap: 24px 10px; margin-bottom: 40px; }
    .proof-item { width: calc(50% - 10px); } 
    
    .timeline-grid { grid-template-columns: 1fr; gap: 16px; }
    .timeline-item { flex-direction: column; gap: 12px; }
    
    #global-cookie-bar { flex-direction: column; gap: 16px; text-align: center; width: calc(100% - 32px); }
    #global-cookie-bar p { margin-right: 0; }
    
    .chart-container { height: 300px; }
    .mobile-jump-btn { display: block; }
}