@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;600;700;800&display=swap');

/* ──────────────────────────────────────────────
   FINRATO — Design System 2026
   Palette: blue brand + teal accent
────────────────────────────────────────────── */
:root{
  --brand:#2563eb;
  --brand-dark:#1e40af;
  --accent:#0d9488;
  --accent-dark:#0f766e;
  --accent-light:#f0fdfa;
  --card:#ffffff;
  --ink:#0f172a;
  --muted:#64748b;
  --soft:#f1f5f9;
  --line:#e2e8f0;
  --warn:#b45309;
  --radius:16px;
  --shadow:0 1px 3px rgba(0,0,0,.05),0 8px 24px rgba(0,0,0,.07);
  --shadow-lift:0 4px 8px rgba(0,0,0,.05),0 20px 40px rgba(0,0,0,.11);
  --maxw:780px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}

body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--ink);
  background:linear-gradient(160deg,#dbeafe 0%,#f0fdf9 180px,#f8fafc 360px);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

.wrap{max-width:var(--maxw);margin:0 auto;padding:24px 18px 64px}

/* ── HEADER ── */
header.site{
  display:flex;align-items:center;justify-content:space-between;
  padding:20px 0;gap:12px;flex-wrap:wrap;
}
.logo{
  font-weight:800;font-size:1.2rem;letter-spacing:-.04em;
  text-decoration:none;color:var(--brand);
}
.logo span{color:var(--accent)}

.langs{display:flex;gap:6px;font-size:.85rem}
.langs a{
  padding:5px 10px;border-radius:8px;text-decoration:none;
  color:var(--muted);border:1px solid transparent;font-weight:600;
  transition:background .15s,color .15s;
}
.langs a:hover{background:var(--soft)}
.langs a.active{background:var(--brand);color:#fff}

/* ── TYPOGRAPHY ── */
h1{
  font-size:clamp(1.5rem,4vw,2rem);line-height:1.15;
  letter-spacing:-.03em;margin:.2em 0 .3em;font-weight:800;
}
.lead{color:var(--muted);margin:0 0 22px;font-size:1.02rem}

/* ── CARD ── */
.card{
  background:var(--card);border:1px solid var(--line);
  border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;
}

/* ── FORM ── */
.grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.grid{grid-template-columns:1fr}}

label{display:block;font-weight:600;font-size:.87rem;margin:0 0 6px;color:var(--muted)}
.field{margin-bottom:14px}
.input{position:relative}

input[type=number]{
  width:100%;padding:12px 44px 12px 14px;font-size:1.05rem;
  border:1.5px solid var(--line);border-radius:10px;background:#fff;
  -moz-appearance:textfield;font-family:inherit;font-weight:600;
  color:var(--ink);transition:border-color .15s,box-shadow .15s;
}
input[type=number]::-webkit-inner-spin-button,
input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none}
input[type=number]:focus{
  outline:none;border-color:var(--brand);
  box-shadow:0 0 0 3px rgba(37,99,235,.12);
}
.input .unit{
  position:absolute;right:13px;top:50%;transform:translateY(-50%);
  color:var(--muted);font-size:.84rem;pointer-events:none;font-weight:600;
}

.seg{display:flex;gap:6px;margin-top:8px}
.seg button{
  flex:1;padding:8px;border:1.5px solid var(--line);background:#fff;
  border-radius:8px;cursor:pointer;font-size:.84rem;color:var(--muted);
  font-family:inherit;font-weight:600;transition:all .15s;
}
.seg button.active{background:var(--brand);color:#fff;border-color:var(--brand)}
.seg button:hover:not(.active){background:var(--soft)}

/* ── RESULTS ── */
.results{margin-top:20px;display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
@media(max-width:560px){.results{grid-template-columns:1fr}}

.result{
  background:var(--soft);border-radius:12px;padding:18px 14px;
  text-align:center;border:1px solid var(--line);
}
.result .k{
  font-size:.73rem;color:var(--muted);margin-bottom:6px;
  font-weight:700;text-transform:uppercase;letter-spacing:.05em;
}
.result .v{font-size:1.5rem;font-weight:800;letter-spacing:-.03em}
.result.primary{
  background:linear-gradient(135deg,var(--brand) 0%,var(--brand-dark) 100%);
  color:#fff;border:none;
  box-shadow:0 8px 24px rgba(37,99,235,.22);
}
.result.primary .k{color:#bfdbfe}

/* ── CTA / AFFILIATE OFFERS ── */
.cta{
  margin-top:20px;
  background:linear-gradient(135deg,var(--accent-light),#ccfbf1);
  border:1px solid #99f6e4;border-radius:12px;padding:18px;
}
.cta h3{margin:0 0 4px;font-size:1rem;color:var(--accent-dark);font-weight:700}
.cta p{margin:0 0 12px;color:var(--accent-dark);font-size:.9rem}
.cta p.disclaimer{color:var(--muted);font-size:.75rem;margin-top:10px;margin-bottom:0}
.offers{display:grid;gap:8px}
.offer{
  display:flex;align-items:center;justify-content:space-between;gap:12px;
  background:#fff;border:1.5px solid var(--line);border-radius:10px;
  padding:13px 14px;text-decoration:none;color:var(--ink);transition:all .18s;
}
.offer:hover{
  border-color:var(--accent);transform:translateY(-2px);
  box-shadow:0 6px 20px rgba(13,148,136,.15);
}
.offer .name{font-weight:700;font-size:.95rem}
.offer .meta{font-size:.78rem;color:var(--muted);margin-top:2px}
.offer .go{
  background:var(--accent);color:#fff;padding:8px 15px;
  border-radius:8px;font-size:.84rem;font-weight:700;
  white-space:nowrap;flex-shrink:0;transition:background .15s;
}
.offer:hover .go{background:var(--accent-dark)}
.disclaimer{font-size:.75rem;color:var(--muted);margin-top:10px;line-height:1.5}

/* AdSense — hidden until account approved */
.ad{display:none}

/* ── FAQ ── */
.faq{margin-top:36px}
.faq h2{font-size:1.2rem;margin:0 0 14px;font-weight:700}
details{
  background:#fff;border:1px solid var(--line);border-radius:10px;
  padding:14px 16px;margin-bottom:8px;transition:box-shadow .15s;
}
details[open]{box-shadow:var(--shadow)}
details summary{font-weight:600;cursor:pointer;font-size:.94rem;list-style:none}
details summary::-webkit-details-marker{display:none}
details p{color:var(--muted);margin:10px 0 0;font-size:.92rem}

/* ── FOOTER ── */
footer.site{
  margin-top:48px;padding-top:20px;border-top:1px solid var(--line);
  color:var(--muted);font-size:.81rem;
}
footer.site a{color:var(--muted)}
footer.site a.legal-link{color:var(--brand);font-weight:600}

/* ── NAV TOOLS ── */
.tools{display:flex;gap:4px;font-size:.88rem;margin:0 auto 0 14px}
.tools a{
  padding:6px 12px;border-radius:8px;text-decoration:none;
  color:var(--muted);font-weight:600;transition:all .15s;
}
.tools a:hover{background:var(--soft)}
.tools a.active{background:#dbeafe;color:var(--brand)}
@media(max-width:560px){.tools{order:3;width:100%;margin:6px 0 0}}

/* ── BUDGET CALCULATOR ── */
.cat-group{margin-bottom:18px}
.cat-group h3{
  font-size:.76rem;margin:0 0 10px;color:var(--muted);
  text-transform:uppercase;letter-spacing:.05em;font-weight:700;
}
.cat{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.cat .lab{flex:1;font-weight:500;font-size:.94rem;display:flex;align-items:center;flex-wrap:wrap;gap:6px}
.cat .switch-tag{
  font-size:.65rem;background:var(--accent-light);
  color:var(--accent-dark);border:1px solid #99f6e4;
  border-radius:6px;padding:1px 6px;white-space:nowrap;font-weight:700;
}
.cat .input{width:140px;flex:none}
.cat input[type=number]{padding:9px 36px 9px 10px;font-size:.97rem}
.empty-state{color:var(--muted);text-align:center;padding:20px;font-size:.95rem}
.save-amt{font-size:1.6rem;font-weight:800;color:var(--accent);margin:2px 0 4px}
.bd-row{margin-bottom:10px}
.bd-head{display:flex;justify-content:space-between;font-size:.87rem;margin-bottom:3px}
.bd-bar{height:8px;background:var(--soft);border-radius:5px;overflow:hidden}
.bd-fill{
  height:100%;
  background:linear-gradient(90deg,var(--brand),var(--accent));
  border-radius:5px;transition:width .25s;
}
.donut{max-width:210px;display:block;margin:4px auto 18px}
.donut circle{transition:stroke-dasharray .3s,stroke-dashoffset .3s}
.bd-dot{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:7px;vertical-align:middle}

/* ── LEGAL PAGES ── */
.legal{max-width:760px}
.legal h2{font-size:1.18rem;margin:30px 0 8px;padding-top:8px;font-weight:700}
.legal h3{font-size:.98rem;margin:18px 0 6px;font-weight:600}
.legal p,.legal li{color:#334155;font-size:.94rem;line-height:1.7}
.legal ul{padding-left:20px}
.legal .upd{color:var(--muted);font-size:.84rem;margin-top:0}
.legal .toc{background:var(--soft);border-radius:10px;padding:14px 18px;font-size:.9rem}
.legal .toc a{color:var(--brand);text-decoration:none}
.legal .warn-box{
  background:#fef9c3;border:1px solid #fde047;border-radius:10px;
  padding:14px 16px;color:#713f12;font-size:.91rem;
}

/* ── HUB CALC GRID ── */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:4px}
@media(max-width:560px){.calc-grid{grid-template-columns:1fr}}

.calc-card{
  display:block;background:#fff;border:1.5px solid var(--line);
  border-radius:14px;padding:20px;text-decoration:none;color:var(--ink);
  transition:transform .2s,box-shadow .2s,border-color .2s;
}
.calc-card:hover{
  border-color:var(--brand);transform:translateY(-3px);
  box-shadow:var(--shadow-lift);
}
.calc-card .ic{font-size:1.65rem;line-height:1;margin-bottom:10px;display:block}
.calc-card h3{margin:0 0 5px;font-size:.98rem;color:var(--brand);font-weight:700}
.calc-card p{margin:0;font-size:.85rem;color:var(--muted);line-height:1.45}

/* ── 2-COL INPUTS ── */
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.row2{grid-template-columns:1fr}}

/* ── HERO SECTION (hub pages) ── */
.hero{
  background:linear-gradient(135deg,#1e3a8a 0%,#1d4ed8 55%,#0e7490 100%);
  border-radius:var(--radius);padding:40px 32px 36px;
  margin-bottom:26px;color:#fff;position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;top:-70px;right:-60px;
  width:300px;height:300px;
  background:radial-gradient(circle,rgba(13,148,136,.45) 0%,transparent 70%);
  pointer-events:none;
}
.hero::after{
  content:'';position:absolute;bottom:-90px;left:10%;
  width:280px;height:280px;
  background:radial-gradient(circle,rgba(147,197,253,.2) 0%,transparent 70%);
  pointer-events:none;
}
.hero h1{
  color:#fff;margin:0 0 10px;
  font-size:clamp(1.55rem,4vw,2.1rem);
  position:relative;z-index:1;
}
.hero-sub{
  color:rgba(255,255,255,.78);margin:0 0 24px;
  font-size:1rem;position:relative;z-index:1;
}
.trust-bar{display:flex;gap:8px;flex-wrap:wrap;position:relative;z-index:1}
.badge{
  background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);
  color:rgba(255,255,255,.95);padding:5px 13px;border-radius:20px;
  font-size:.79rem;font-weight:700;letter-spacing:.01em;
}
@media(max-width:560px){.hero{padding:28px 20px 24px}}

/* ── WARN BOX (debt calc, legal) ── */
.warn-box{
  background:#fef9c3;border:1px solid #fde047;border-radius:10px;
  padding:13px 16px;color:#713f12;font-size:.9rem;
}