/* Chowdhury Fintech - shared site styles
   Colours and spacing live in :root so the whole site can be re-themed in one place. */

:root {
  --navy: #0d2546;
  --navy-2: #163a6b;
  --blue: #2563c9;
  --teal: #0e9f9a;
  --teal-soft: #e3f5f4;
  --ink: #142033;
  --muted: #5a6577;
  --line: #e2e7ef;
  --bg: #ffffff;
  --bg-soft: #f5f8fc;
  --card: #ffffff;
  --warn: #b7791f;
  --ok: #138a52;
  --bad: #c0392b;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(13, 37, 70, .08);
  --shadow-lg: 0 24px 60px rgba(13, 37, 70, .16);
  --max: 1180px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg);
  font-size: 16px; line-height: 1.6; -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img, svg { max-width: 100%; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 .5em; color: var(--navy); letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 84px 0; }
.section.soft { background: var(--bg-soft); }
.section.dark { background: var(--navy); color: #dbe6f5; }
.section.dark h2, .section.dark h3 { color: #fff; }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--teal); margin-bottom: 12px;
}
.lead { font-size: 1.13rem; color: var(--muted); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.section-head { margin-bottom: 44px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 22px; border-radius: 10px; font-weight: 700; font-size: .95rem;
  border: 2px solid transparent; cursor: pointer; transition: .18s ease; font-family: inherit;
  text-decoration: none !important; white-space: nowrap;
}
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: #0b8a85; transform: translateY(-1px); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-dark:hover { background: var(--navy-2); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); }
.btn-sm { padding: 9px 15px; font-size: .88rem; }
.btn-block { width: 100%; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 800; text-decoration: none !important; }
.logo-mark {
  width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 100%); color: #fff; font-size: .95rem; font-weight: 800;
}
.logo-text { line-height: 1.05; font-size: 1.08rem; }
.logo-text small { display: block; font-size: .66rem; letter-spacing: .16em; color: var(--muted); font-weight: 600; text-transform: uppercase; }
.nav-links { display: flex; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--ink); font-weight: 600; font-size: .94rem; text-decoration: none; white-space: nowrap; }
.logo-text { white-space: nowrap; }
.nav-links a:hover, .nav-links a.active { color: var(--teal); }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.menu-btn { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }

/* Hero */
.hero {
  padding: 72px 0 84px;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(14,159,154,.14), transparent 60%),
    radial-gradient(700px 400px at -10% 20%, rgba(37,99,201,.10), transparent 60%),
    var(--bg);
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero h1 span { color: var(--teal); }
.hero .lead { margin: 18px 0 28px; }
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.checks { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 26px; padding: 0; list-style: none; color: var(--muted); font-size: .92rem; }
.checks li::before { content: "✓"; color: var(--teal); font-weight: 800; margin-right: 7px; }

/* Mock dashboard in hero */
.mock {
  background: var(--card); border-radius: 18px; box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  padding: 20px; position: relative;
}
.mock-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.mock-top b { color: var(--navy); }
.pill { font-size: .74rem; font-weight: 700; padding: 4px 10px; border-radius: 99px; background: var(--teal-soft); color: var(--teal); }
.pill.warn { background: #fdf3e1; color: var(--warn); }
.pill.ok { background: #e6f6ee; color: var(--ok); }
.pill.grey { background: #eef1f6; color: var(--muted); }
.kpis { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 16px; }
.kpi { background: var(--bg-soft); border-radius: 10px; padding: 12px; }
.kpi small { color: var(--muted); font-size: .74rem; display: block; }
.kpi b { font-size: 1.15rem; color: var(--navy); }
.bars { display: flex; align-items: flex-end; gap: 8px; height: 110px; padding: 10px 4px 0; border-bottom: 1px solid var(--line); }
.bars span { flex: 1; border-radius: 6px 6px 0 0; background: linear-gradient(180deg, var(--teal), #63c6c2); }
.bars span.alt { background: linear-gradient(180deg, var(--navy-2), #6c8fc2); }
.mock-list { list-style: none; padding: 0; margin: 14px 0 0; font-size: .86rem; }
.mock-list li { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px dashed var(--line); }
.float-card {
  position: absolute; background: #fff; border-radius: 12px; box-shadow: var(--shadow); border: 1px solid var(--line);
  padding: 10px 14px; font-size: .82rem; display: flex; align-items: center; gap: 10px;
}
.float-card .dot { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); font-weight: 800; }
.float-a { left: -34px; bottom: 40px; }
.float-b { right: -22px; top: -18px; }

/* Stats strip */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.stat { padding: 22px; border-radius: var(--radius); background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); }
.stat b { display: block; font-size: 1.7rem; color: #fff; font-weight: 800; }
.stat span { font-size: .9rem; }

/* Cards */
.grid { display: grid; gap: 22px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px;
  transition: .2s ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: #cfd8e6; }
.card p { color: var(--muted); font-size: .95rem; margin-bottom: 0; }
.icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; margin-bottom: 16px;
  background: var(--teal-soft); color: var(--teal);
}
.icon svg { width: 24px; height: 24px; }
.card .more { display: inline-block; margin-top: 12px; font-weight: 700; font-size: .9rem; color: var(--teal); }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-top: 58px; }
.step::before {
  counter-increment: step; content: counter(step, decimal-leading-zero);
  position: absolute; top: 0; left: 0; font-size: 2.2rem; font-weight: 800; color: var(--teal); opacity: .9;
}
.step p { color: var(--muted); font-size: .95rem; }

/* Compare table */
.compare { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.compare th, .compare td { padding: 15px 18px; text-align: left; border-bottom: 1px solid var(--line); font-size: .95rem; }
.compare thead th { background: var(--navy); color: #fff; font-size: .88rem; letter-spacing: .03em; }
.compare td:nth-child(3) { color: var(--ok); font-weight: 600; }
.compare td:nth-child(2) { color: var(--muted); }

/* Chips */
.chips { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.chip { padding: 12px 20px; border-radius: 99px; background: #fff; border: 1px solid var(--line); font-weight: 600; color: var(--navy); }

/* Pricing */
.price-card { position: relative; display: flex; flex-direction: column; }
.price-card.featured { border: 2px solid var(--teal); box-shadow: var(--shadow); }
.price-card .badge {
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%); background: var(--teal); color: #fff;
  font-size: .72rem; font-weight: 800; letter-spacing: .08em; padding: 5px 12px; border-radius: 99px;
}
.price { font-size: 2.3rem; font-weight: 800; color: var(--navy); margin: 8px 0 2px; }
.price small { font-size: .9rem; color: var(--muted); font-weight: 500; }
.ticks { list-style: none; padding: 0; margin: 18px 0 24px; flex: 1; }
.ticks li { padding: 6px 0 6px 26px; position: relative; font-size: .94rem; }
.ticks li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 800; }

/* Team */
.person { display: flex; gap: 18px; align-items: flex-start; }
.avatar {
  width: 64px; height: 64px; flex: none; border-radius: 16px; display: grid; place-items: center; color: #fff;
  font-weight: 800; font-size: 1.3rem; background: linear-gradient(135deg, var(--navy-2), var(--teal));
}
.person .role { color: var(--teal); font-weight: 700; font-size: .88rem; margin-bottom: 8px; }
.tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.tag { font-size: .76rem; padding: 4px 10px; border-radius: 99px; background: var(--bg-soft); color: var(--navy); font-weight: 600; }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 22px; margin-bottom: 12px; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.3rem; color: var(--teal); line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 12px 0 0; color: var(--muted); }

/* CTA band + contact */
.cta-band {
  border-radius: 22px; padding: 48px; color: #dbe6f5;
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 55%, #0f6f7c 100%);
  display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start;
}
.cta-band h2 { color: #fff; }
.cta-band.cta-inline { grid-template-columns: 1fr auto; align-items: center; }
.grid > * { min-width: 0; }
.form { display: grid; gap: 12px; }
.form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field label { display: block; font-size: .84rem; font-weight: 600; margin-bottom: 5px; color: inherit; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border-radius: 10px; border: 1px solid var(--line); font: inherit; font-size: .95rem;
  background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid rgba(14,159,154,.25); border-color: var(--teal); }
.form-note { font-size: .8rem; opacity: .8; }
.contact-lines { list-style: none; padding: 0; margin: 22px 0 0; }
.contact-lines li { padding: 6px 0; }
.contact-lines a { color: #fff; font-weight: 600; }

/* Footer */
.site-footer { background: #0a1d38; color: #9fb1c9; padding: 60px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 30px; }
.site-footer h4 { color: #fff; font-size: .95rem; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { padding: 4px 0; }
.site-footer a { color: #9fb1c9; }
.site-footer a:hover { color: #fff; }
.site-footer .logo { color: #fff; margin-bottom: 14px; }
.site-footer .logo-text small { color: #7f93ad; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); margin-top: 40px; padding-top: 20px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .84rem; }

/* WhatsApp floating button */
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 60; width: 56px; height: 56px; border-radius: 50%;
  background: #25d366; color: #fff; display: grid; place-items: center; box-shadow: 0 10px 24px rgba(37,211,102,.4);
}
.wa-float svg { width: 28px; height: 28px; }

/* Page hero (inner pages) */
.page-hero { padding: 64px 0 56px; background: linear-gradient(180deg, var(--bg-soft), #fff); border-bottom: 1px solid var(--line); }

/* Demo tool (software page) */
.tool { background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); overflow: hidden; }
.tool-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; padding: 16px 22px; background: var(--navy); color: #fff; }
.tool-head b { font-size: 1rem; }
.tool-body { padding: 22px; display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.4fr); gap: 22px; }
@media (max-width: 1180px) { .tool-body { grid-template-columns: minmax(0, 1fr); } .tool textarea { min-height: 180px; } }
.tool textarea { width: 100%; min-height: 300px; font-family: Consolas, "Courier New", monospace; font-size: .8rem; padding: 12px; border-radius: 10px; border: 1px solid var(--line); resize: vertical; }
.tool-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 12px; }
.table-wrap { overflow: auto; max-height: 360px; border: 1px solid var(--line); border-radius: 10px; }
table.data { width: 100%; border-collapse: collapse; font-size: .82rem; }
table.data th { position: sticky; top: 0; background: var(--bg-soft); text-align: left; padding: 9px 10px; color: var(--navy); border-bottom: 1px solid var(--line); }
table.data td { padding: 8px 10px; border-bottom: 1px solid var(--line); white-space: nowrap; }
table.data td.num { text-align: right; font-variant-numeric: tabular-nums; }
.summary { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 12px; }
.summary div { background: var(--bg-soft); border-radius: 10px; padding: 10px 12px; }
.summary small { display: block; color: var(--muted); font-size: .74rem; }
.summary b { color: var(--navy); }
.empty { color: var(--muted); font-size: .92rem; padding: 40px 10px; text-align: center; }

/* Tax calculator: click-based steps + live result */
table.data td:first-child { white-space: normal; }
.calc-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 26px; align-items: start; }
.calc-result { position: sticky; top: 90px; max-height: calc(100vh - 110px); overflow-y: auto; border-radius: 18px; }
.step-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px; margin-bottom: 18px; }
.step-title { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 16px; }
.step-title h3 { margin: 3px 0 2px; }
.step-no { width: 34px; height: 34px; flex: none; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 800; }
.help { font-size: .84rem; color: var(--muted); margin: 6px 0 0; line-height: 1.5; }
.help b { color: var(--teal); }
.muted { color: var(--muted); }
.choices { display: grid; gap: 10px; }
.choices.c2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.choices.c3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.choice { position: relative; cursor: pointer; display: block; }
.choice input, .pchip input { position: absolute; opacity: 0; pointer-events: none; }
.choice span { display: block; height: 100%; border: 1.5px solid var(--line); border-radius: 12px; padding: 12px 14px; transition: .15s; background: #fff; }
.choice:hover span { border-color: #b8c4d6; }
.choice b { display: block; color: var(--navy); font-size: .94rem; }
.choice small { display: block; color: var(--muted); font-size: .79rem; margin-top: 2px; line-height: 1.4; }
.choice input:checked + span { border-color: var(--teal); background: var(--teal-soft); box-shadow: 0 0 0 3px rgba(14,159,154,.12); }
.choice input:focus-visible + span, .pchip input:focus-visible + span { outline: 3px solid rgba(14,159,154,.4); outline-offset: 2px; }
.multi .choice input:checked + span b::after { content: "  ✓"; color: var(--teal); }
.q { margin-top: 18px; }
.q-label { display: block; font-weight: 700; font-size: .92rem; color: var(--ink); margin-bottom: 8px; }
.pills-row { display: flex; flex-wrap: wrap; gap: 8px; }
.pchip { position: relative; cursor: pointer; }
.pchip span { display: inline-block; padding: 8px 16px; border-radius: 99px; border: 1.5px solid var(--line); background: #fff; font-weight: 600; font-size: .9rem; transition: .15s; }
.pchip:hover span { border-color: #b8c4d6; }
.pchip input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.money { display: flex; align-items: stretch; max-width: 320px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; overflow: hidden; }
.money:focus-within { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(14,159,154,.15); }
.money span { display: grid; place-items: center; padding: 0 12px; background: var(--bg-soft); color: var(--muted); font-weight: 700; }
.money input { border: 0; outline: 0; padding: 11px 12px; width: 100%; font: inherit; font-size: 1.05rem; font-weight: 600; color: var(--ink); }
.quick { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 8px; }
.quick button { border: 1px solid var(--line); background: var(--bg-soft); border-radius: 8px; padding: 6px 10px; font: inherit; font-size: .82rem; font-weight: 600; color: var(--navy); cursor: pointer; }
.quick button:hover, .quick button.on { border-color: var(--teal); background: var(--teal-soft); color: var(--teal); }
.two { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 18px; }
.live-line { margin-top: 16px; padding: 10px 14px; background: var(--bg-soft); border-radius: 10px; font-size: .88rem; }
.reveal-box { border-left: 3px solid var(--teal); padding-left: 14px; margin-top: 8px; }
.reveal-box[hidden] { display: none; }

.res-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); padding: 22px; }
.res-head small { display: block; color: var(--muted); font-weight: 700; font-size: .84rem; }
.res-amt { font-size: 2.6rem; font-weight: 800; color: var(--navy); line-height: 1.15; }
.res-head span { font-size: .84rem; color: var(--muted); }
.res-status { display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 12px 14px; border-radius: 12px; margin: 14px 0; font-weight: 700; }
.res-status b { font-size: 1.2rem; }
.res-status.pay { background: #fff4e5; color: #7a5212; }
.res-status.refund { background: #e6f6ee; color: var(--ok); }
.res-status.zero { background: var(--bg-soft); color: var(--navy); }
.res-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.res-stats div { background: var(--bg-soft); border-radius: 10px; padding: 9px 11px; }
.res-stats small { display: block; color: var(--muted); font-size: .74rem; }
.res-stats b { color: var(--navy); font-size: .95rem; }
.res-card h4 { margin: 20px 0 8px; font-size: .98rem; }
.why { margin: 0; padding-left: 18px; font-size: .88rem; }
.why li { margin-bottom: 5px; }
.tips { display: grid; gap: 8px; }
.tip { display: flex; gap: 10px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 12px; background: #fcfdfe; }
.tip-i { font-size: 1.15rem; line-height: 1.35; }
.tip b { color: var(--navy); font-size: .9rem; }
.tip p { margin: 2px 0 0; font-size: .83rem; color: var(--muted); line-height: 1.5; }
.calc-detail { margin: 16px 0; }
.calc-detail summary { cursor: pointer; font-weight: 700; color: var(--teal); margin-bottom: 8px; }
.res-note { font-size: .76rem; color: var(--muted); margin: 10px 0 0; }
.calc-bar { display: none; }
.tool-tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.tool-tabs a { padding: 8px 16px; border-radius: 99px; border: 1.5px solid var(--line); background: #fff; font-weight: 700; font-size: .9rem; color: var(--navy); text-decoration: none; }
.tool-tabs a:hover { border-color: var(--teal); color: var(--teal); }
.tool-tabs a.on { background: var(--navy); border-color: var(--navy); color: #fff; }
.mode-pick { max-width: 640px; }
.compare-pk div.on { background: var(--teal-soft); outline: 2px solid var(--teal); }
.compare-pk div.on small { color: var(--teal); font-weight: 700; }
.pills-row.months { gap: 6px; }
.pills-row.months .pchip span { padding: 6px 12px; font-size: .85rem; }
.team-input { width: 100%; min-height: 200px; font-family: Consolas, "Courier New", monospace; font-size: .82rem; padding: 12px; border-radius: 10px; border: 1.5px solid var(--line); resize: vertical; }
.team-input:focus { outline: 3px solid rgba(14,159,154,.25); border-color: var(--teal); }
table.data tfoot th { background: var(--bg-soft); border-top: 2px solid var(--line); padding: 9px 10px; text-align: left; }
table.data tfoot th.num { text-align: right; }
@media (max-width: 1000px) {
  .calc-grid { grid-template-columns: minmax(0, 1fr); }
  .calc-result { position: static; }
  .calc-bar {
    display: flex; position: fixed; left: 12px; right: 86px; bottom: 18px; z-index: 55; justify-content: space-between; gap: 10px;
    align-items: center; padding: 12px 14px; border-radius: 12px; background: var(--navy); color: #fff; font-size: .86rem;
    box-shadow: var(--shadow-lg); text-decoration: none !important; transition: opacity .2s;
  }
  .calc-bar b { color: #7fe0db; white-space: nowrap; }
  .calc-bar .go { white-space: nowrap; font-weight: 700; }
  .calc-bar.hide { opacity: 0; pointer-events: none; }
}
@media (max-width: 640px) {
  .choices.c3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .two { grid-template-columns: minmax(0, 1fr); }
  .money { max-width: none; }
  .step-card { padding: 18px; }
  .res-amt { font-size: 2.2rem; }
  .calc-bar { font-size: .8rem; padding: 10px 12px; left: 10px; right: 80px; }
}

/* Login */
.auth { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; }
.auth-side {
  background: linear-gradient(140deg, var(--navy) 0%, var(--navy-2) 60%, #0f6f7c 100%); color: #dbe6f5;
  padding: 48px; display: flex; flex-direction: column; justify-content: space-between;
}
.auth-side h2 { color: #fff; }
.auth-side .logo { color: #fff; }
.auth-side .logo-text small { color: #9fc3ec; }
.auth-main { display: grid; place-items: center; padding: 40px 20px; }
.auth-box { width: 100%; max-width: 400px; }
.notice { background: #fdf3e1; color: #7a5212; border: 1px solid #f3dcae; border-radius: 10px; padding: 10px 14px; font-size: .86rem; margin-bottom: 18px; }
.divider { display: flex; align-items: center; gap: 12px; color: var(--muted); font-size: .82rem; margin: 18px 0; }
.divider::before, .divider::after { content: ""; flex: 1; height: 1px; background: var(--line); }

/* Portal */
.portal { display: grid; grid-template-columns: 240px 1fr; min-height: 100vh; background: var(--bg-soft); }
.sidebar { background: var(--navy); color: #b9c8dc; padding: 22px 16px; position: sticky; top: 0; height: 100vh; }
.sidebar .logo { color: #fff; margin-bottom: 30px; }
.sidebar .logo-text small { color: #7f93ad; }
.side-nav { list-style: none; padding: 0; margin: 0; }
.side-nav a { display: flex; align-items: center; gap: 10px; padding: 10px 12px; border-radius: 10px; color: #b9c8dc; font-weight: 600; font-size: .92rem; text-decoration: none; }
.side-nav a:hover, .side-nav a.active { background: rgba(255,255,255,.08); color: #fff; }
.portal-main { padding: 26px 30px 60px; min-width: 0; }
.portal-top { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 22px; }
.demo-banner { background: #fdf3e1; border: 1px solid #f3dcae; color: #7a5212; border-radius: 10px; padding: 10px 14px; font-size: .88rem; margin-bottom: 20px; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.panel h3 { font-size: 1.02rem; }
.metric small { color: var(--muted); font-size: .8rem; display: block; }
.metric b { font-size: 1.5rem; color: var(--navy); }
.metric .delta { font-size: .8rem; font-weight: 700; }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 11px 0; border-bottom: 1px solid var(--line); font-size: .92rem; }
.progress { height: 10px; background: #e9eef5; border-radius: 99px; overflow: hidden; margin: 8px 0 4px; }
.progress span { display: block; height: 100%; background: linear-gradient(90deg, var(--teal), #4cc3be); border-radius: 99px; }
.dropzone { display: block; border: 2px dashed #c7d2e1; border-radius: 12px; padding: 26px; text-align: center; color: var(--muted); cursor: pointer; transition: .2s; }
.dropzone:hover, .dropzone.drag { border-color: var(--teal); background: var(--teal-soft); color: var(--teal); }
.file-list { list-style: none; padding: 0; margin: 12px 0 0; font-size: .86rem; }
.file-list li { padding: 6px 0; border-bottom: 1px dashed var(--line); display: flex; justify-content: space-between; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* Responsive */
@media (max-width: 1000px) {
  .hero-grid, .cta-band, .tool-body { grid-template-columns: 1fr; }
  .g4 { grid-template-columns: repeat(2, 1fr); }
  .g3 { grid-template-columns: repeat(2, 1fr); }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .float-a { left: 10px; }
  .float-b { right: 10px; }
}
@media (max-width: 1080px) {
  .nav-links { display: none; }
  .menu-btn { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column; gap: 0; position: absolute; top: 72px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 16px; box-shadow: var(--shadow);
  }
  .nav-links.open a { display: block; padding: 12px 0; border-bottom: 1px solid var(--line); }
}
@media (max-width: 860px) {
  .nav-cta .btn-ghost { display: none; }
  .auth { grid-template-columns: 1fr; }
  .auth-side { display: none; }
  .portal { grid-template-columns: minmax(0, 1fr); }
  .portal > * { min-width: 0; }
  .sidebar { position: static; height: auto; padding: 14px 16px; }
  .sidebar .logo { margin-bottom: 10px; }
  .side-nav { display: flex; overflow-x: auto; gap: 4px; }
  .side-nav a { white-space: nowrap; }
  .portal-main { padding: 20px 16px 50px; }
}
@media (max-width: 640px) {
  .section { padding: 60px 0; }
  .g2, .g3, .g4, .stats, .footer-grid, .form .row, .kpis, .summary { grid-template-columns: 1fr; }
  .cta-band { padding: 28px 20px; }
  .cta-band.cta-inline { grid-template-columns: 1fr; }
  .btn { white-space: normal; text-align: center; }
  .nav-cta .btn-primary { display: none; }
  .float-card { display: none; }
  .compare th, .compare td { padding: 11px 10px; font-size: .85rem; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}