/* ═══════════════════════════════════
   RESET
═══════════════════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:'DM Sans',sans-serif;
  background:var(--paper);color:var(--ink);
  min-height:100vh;
  -webkit-font-smoothing:antialiased;
  transition:background .3s,color .3s;
  overflow-x:hidden;
}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
button{font-family:inherit;cursor:pointer;}

/* ═══════════════════════════════════
   HERO
═══════════════════════════════════ */
.hero{
  background:var(--surface);
  border-bottom:1px solid var(--border);
  padding:clamp(1.5rem,6vw,2.5rem) var(--pad) clamp(1rem,4vw,1.5rem);
  position:relative;overflow:hidden;
  border-radius: 35px;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle,var(--border) 1px,transparent 1px);
  background-size:24px 24px;opacity:.7;pointer-events:none;
}
.hero::after{
  content:'';position:absolute;
  top:-160px;right:-120px;
  width:560px;height:560px;border-radius:50%;
  background:var(--green-lt);opacity:.55;
  pointer-events:none;
}
.hero-inner{
  max-width:var(--max);margin:0 auto;
  position:relative;z-index:1;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.7rem;font-weight:600;letter-spacing:1.5px;
  text-transform:uppercase;color:var(--green);
  background:var(--green-lt);
  padding:4px 12px;border-radius:100px;margin-bottom:1.1rem;
}
.hero h1{
  font-family:'Playfair Display',serif;
  font-size:clamp(2rem,5vw,3.4rem);
  font-weight:700;line-height:1.1;
  letter-spacing:-.4px;color:var(--ink);margin-bottom:.85rem;
}
.hero h1 em{font-style:italic;color:var(--green);}
.hero-sub{
  font-size:clamp(.9rem,1.8vw,1.05rem);
  color:var(--ink-2);line-height:1.75;
  max-width:580px;margin-bottom:1.75rem;
}

.hero-search{
  display:flex;align-items:center;
  background:var(--surface);
  border:1.5px solid var(--border);
  border-radius:100px;
  padding:.45rem .5rem .45rem 1.1rem;
  max-width:480px;
  box-shadow:var(--shadow);
  transition:border-color .2s,box-shadow .2s;
  gap:.5rem;
}
.hero-search:focus-within{
  border-color:var(--green);
  box-shadow:0 0 0 4px var(--green-lt),var(--shadow);
}
.hero-search-input{
  flex:1;border:none;outline:none;
  font-size:.9rem;font-family:'DM Sans',sans-serif;
  background:transparent;color:var(--ink);
}
.hero-search-input::placeholder{color:var(--ink-3);}
.hero-search-btn{
  background:var(--green);color:#fff;
  border:none;border-radius:100px;
  padding:.45rem 1.1rem;font-size:.84rem;font-weight:600;
  font-family:inherit;transition:opacity .2s;white-space:nowrap;
  display:flex;align-items:center;gap:5px;
}
.hero-search-btn:hover{opacity:.88;}

/* ═══════════════════════════════════
   MOST POPULAR STRIP
═══════════════════════════════════ */
.popular-section{
  background:var(--green);
  padding:clamp(.75rem,4vw,1.3rem) var(--pad);
  border-radius: 35px;
}
.popular-inner{max-width:var(--max);margin:0 auto;}
.popular-label{
  font-size:.68rem;font-weight:600;letter-spacing:1.5px;
  text-transform:uppercase;color:rgba(255,255,255,.65);
  margin-bottom:1.1rem;display:flex;align-items:center;gap:.5rem;
}
.popular-label::after{content:'';flex:1;height:1px;background:rgba(255,255,255,.2);}
.popular-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  gap:1rem;
}
.popular-card{
  background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.15);
  border-radius:var(--r);
  padding:1.4rem 1.5rem;
  backdrop-filter:blur(6px);
  transition:background .2s,transform .2s;
  display:block;
  position:relative;overflow:hidden;
}
.popular-card::before{
  content:'';position:absolute;
  top:0;right:0;bottom:0;
  width:3px;background:rgba(255,255,255,.35);
  border-radius:0 var(--r) var(--r) 0;
  transform:scaleY(0);transform-origin:center;
  transition:transform .25s;
}
.popular-card:hover{background:rgba(255,255,255,.18);transform:translateY(-2px);}
.popular-card:hover::before{transform:scaleY(1);}
.popular-card-icon{
  width:38px;height:38px;border-radius:9px;
  background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;
  font-size:16px;color:#fff;margin-bottom:.85rem;
}
.popular-card-name{
  font-size:1rem;font-weight:600;color:#fff;margin-bottom:.35rem;
  display:flex;align-items:center;justify-content:space-between;
}
.popular-card-name i{font-size:12px;opacity:.6;}
.popular-card-desc{font-size:.78rem;color:rgba(255,255,255,.75);line-height:1.55;margin-bottom:.9rem;}
.popular-card-inputs{
  display:flex;gap:.4rem;flex-wrap:wrap;
}
.popular-chip{
  font-size:.62rem;font-weight:500;
  background:rgba(255,255,255,.15);
  color:rgba(255,255,255,.85);
  padding:2px 8px;border-radius:100px;
}
.popular-cta{
  margin-top:1rem;
  display:inline-flex;align-items:center;gap:5px;
  font-size:.78rem;font-weight:600;color:#fff;
  opacity:.85;transition:opacity .18s;
}
.popular-card:hover .popular-cta{opacity:1;}

/* ═══════════════════════════════════
   ALL TOOLS SECTION
═══════════════════════════════════ */
.tools-section{
  padding:clamp(1.5rem,5vw,1rem) var(--pad);
}
.tools-inner{max-width:var(--max);margin:0 auto;}

.tabs-row{
  display:flex;gap:.4rem;flex-wrap:wrap;
  margin-bottom:2.25rem;
}
.tab-pill{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:100px;
  padding:.42rem 1rem;
  font-size:.82rem;font-weight:500;
  color:var(--ink-2);
  transition:all .2s;
}
.tab-pill.active{
  background:var(--green);color:#fff;
  border-color:var(--green);
  box-shadow:0 2px 12px rgba(26,107,74,.3);
}
.tab-pill:hover:not(.active){
  background:var(--surface-2);
  border-color:var(--border);color:var(--ink);
}

.calc-group{margin-bottom:2.75rem;}
.calc-group:last-child{margin-bottom:0;}
.group-header{
  display:flex;align-items:center;gap:.75rem;
  margin-bottom:1.1rem;
}
.group-icon{
  width:34px;height:34px;border-radius:var(--r-sm);
  display:flex;align-items:center;justify-content:center;
  font-size:16px;flex-shrink:0;
}
.group-icon.loans  {background:var(--rose-lt);color:var(--rose);}
.group-icon.invest {background:var(--green-lt);color:var(--green);}
.group-icon.income {background:var(--gold-lt);color:var(--gold);}
.group-title{
  font-family:'Playfair Display',serif;
  font-size:1.15rem;font-weight:500;color:var(--ink);
}
.group-line{flex:1;height:1px;background:var(--border);}

.calc-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(270px,1fr));
  gap:.85rem;
}
.calc-card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:1.3rem 1.4rem;
  display:flex;flex-direction:column;gap:.7rem;
  transition:box-shadow .25s,transform .25s,border-color .25s;
  position:relative;overflow:hidden; height: 100%;
}
.calc-card::after{
  content:'';position:absolute;
  bottom:0;left:0;right:0;height:3px;
  border-radius:0 0 var(--r) var(--r);
  transform:scaleX(0);transform-origin:left;
  transition:transform .3s;
}
.calc-card.loans-card::after  {background:var(--rose);}
.calc-card.invest-card::after {background:var(--green);}
.calc-card.income-card::after {background:var(--gold);}
.calc-card:hover{
  box-shadow:var(--shadow);
  transform:translateY(-3px);
  border-color:var(--surface-3);
}
.calc-card:hover::after{transform:scaleX(1);}
.calc-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:.5rem;}
.calc-card-icon{
  width:40px;height:40px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:17px;flex-shrink:0;
}
.loans-card  .calc-card-icon{background:var(--rose-lt);color:var(--rose);}
.invest-card .calc-card-icon{background:var(--green-lt);color:var(--green);}
.income-card .calc-card-icon{background:var(--gold-lt);color:var(--gold);}
.calc-card-arrow{
  font-size:13px;color:var(--ink-3);
  transition:color .2s,transform .2s;margin-top:2px;
}
.calc-card:hover .calc-card-arrow{color:var(--green);transform:translate(2px,-2px);}
.calc-card-name{
  font-size:.96rem;font-weight:600;color:var(--ink);
  display:flex;align-items:center;gap:6px;flex-wrap:wrap;
}
.calc-card-desc{
  font-size:.78rem;color:var(--ink-2);line-height:1.6;
  flex:1;
}
.calc-chips{display:flex;gap:.35rem;flex-wrap:wrap;}
.chip{
  font-size:.62rem;color:var(--ink-3);
  background:var(--surface-2);
  padding:2px 8px;border-radius:100px;
  display:inline-flex;align-items:center;gap:3px;
}
.chip i{font-size:9px;}
.calc-cta{
  display:inline-flex;align-items:center;gap:5px;
  font-size:.78rem;font-weight:600;
  color:var(--green);
  padding:.42rem .85rem;border-radius:var(--r-xs);
  background:var(--green-lt);
  transition:background .2s;align-self:flex-start;
  margin-top:.1rem;
}

.editorial{
  background:var(--surface);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:clamp(1.5rem,4vw,1rem) var(--pad);
  border-radius: 35px;
}
.editorial-inner{
  max-width:var(--max);margin:0 auto;
  display:block;grid-template-columns:1fr 1fr;
  gap:clamp(2rem,5vw,5rem);align-items:center;
}
.editorial-label{
  font-size:.68rem;font-weight:600;letter-spacing:1.5px;
  text-transform:uppercase;color:var(--green);
  background:var(--green-lt);display:inline-flex;
  padding:3px 11px;border-radius:100px;margin-bottom:.9rem;
}
.editorial h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.6rem,3.5vw,2.5rem);
  font-weight:700;line-height:1.15;
  color:var(--ink);margin-bottom:.85rem;
  letter-spacing:-.3px;
}
.editorial p{
  font-size:.9rem;color:var(--ink-2);line-height:1.8;margin-bottom:1.25rem;
}
.editorial a{color:var(--green);font-weight:500;}
.editorial a:hover{text-decoration:underline;}
.editorial-stats{
  display:grid;grid-template-columns:1fr 1fr;gap:1rem;
}
.e-stat{
  background:var(--surface-2);border-radius:var(--r-sm);
  padding:1rem 1.1rem;
  border-left:3px solid var(--green);
}
.e-stat-num{
  font-family:'Playfair Display',serif;
  font-size:2rem;font-weight:700;color:var(--green);line-height:1;
}
.e-stat-lbl{font-size:.75rem;color:var(--ink-2);margin-top:3px;}

/* ═══════════════════════════════════
   CTA BANNER
═══════════════════════════════════ */
.cta-banner{
  background:linear-gradient(135deg,var(--green) 0%,var(--green-2) 100%);
  padding:clamp(1.5rem,5vw,3rem) var(--pad);
  text-align:center;
  position:relative;overflow:hidden;
  border-radius: 35px;
}
.cta-banner::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle,rgba(255,255,255,.06) 1px,transparent 1px);
  background-size:20px 20px;
}
.cta-banner-inner{position:relative;z-index:1;}
.cta-banner h2{
  font-family:'Playfair Display',serif;
  font-size:clamp(1.7rem,4vw,2.6rem);
  font-weight:700;color:#fff;margin-bottom:.65rem;letter-spacing:-.3px;
}
.cta-banner p{
  font-size:.95rem;color:rgba(255,255,255,.8);
  max-width:460px;margin:0 auto 1.75rem;line-height:1.7;
}
.cta-btns{display:flex;gap:.65rem;justify-content:center;flex-wrap:wrap;}
.btn-white{
  display:inline-flex;align-items:center;gap:6px;
  background:#fff;color:var(--green);
  padding:.65rem 1.5rem;border-radius:var(--r-sm);
  font-size:.88rem;font-weight:600;border:none;
  transition:opacity .2s;
}
.btn-white:hover{opacity:.9;}
.btn-ghost{
  display:inline-flex;align-items:center;gap:6px;
  background:transparent;color:#fff;
  padding:.65rem 1.5rem;border-radius:var(--r-sm);
  font-size:.88rem;font-weight:500;
  border:1.5px solid rgba(255,255,255,.4);
  transition:border-color .2s,background .2s;
}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.1);}

/* ═══════════════════════════════════
   DISCLAIMER
═══════════════════════════════════ */
.disc-bar{
  padding:.9rem var(--pad);
  border-top:1px solid var(--border);
  background:var(--paper);
}
.disc-bar-inner{
  max-width:var(--max);margin:0 auto;
  display:flex;align-items:flex-start;gap:.6rem;
}
.disc-icon{color:var(--ink-3);font-size:13px;flex-shrink:0;margin-top:2px;}
.disc-text{font-size:.72rem;color:var(--ink-3);line-height:1.6;}