/* =========================================================
   PEQUR.ONLINE — Personal Finance Design System
   Premium dark navy + gold theme
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Playfair+Display:wght@600;700&family=Material+Symbols+Outlined:opsz,wght,FILL,GRAD@24,400,0,0&display=swap');

/* ---- Reset ---- */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

/* ---- Tokens ---- */
:root {
    --navy: #0a0f1e;
    --navy-mid: #111827;
    --navy-card: #1a2235;
    --navy-border: #1e2d45;
    --gold: #f5bc42;
    --gold-light: #fdd87a;
    --gold-dim: #c49a28;
    --white: #f0f4ff;
    --muted: #9aa5be;
    --success: #34d399;
    --danger: #f87171;
    --font-body: 'DM Sans', system-ui, sans-serif;
    --font-head: 'Playfair Display', Georgia, serif;
    --r-sm: 6px;
    --r-md: 12px;
    --r-lg: 18px;
    --max-w: 820px;
    --shadow-card: 0 4px 24px rgba(0, 0, 0, 0.38);
    --transition: 0.22s ease;
}

html {
    scroll-behavior: smooth;
}

body {
    background: var(--navy);
    color: var(--white);
    font-family: var(--font-body);
    font-size: 17px;
    line-height: 1.78;
    -webkit-font-smoothing: antialiased;
}

/* ---- Links ---- */
a {
    color: var(--gold);
    text-decoration: none;
    transition: color var(--transition);
}

a:hover {
    color: var(--gold-light);
}

/* ---- Gold Highlight & Teasers ---- */
.highlight--gold {
    background: linear-gradient(135deg, rgba(245, 188, 66, 0.1) 0%, rgba(245, 188, 66, 0.02) 100%);
    border-left: 4px solid var(--gold);
    padding: 2.5rem;
    border-radius: var(--r-md);
    margin: 3rem 0;
}

.calculator-teaser {
    display: flex;
    align-items: center;
    gap: 2rem;
    transition: transform var(--transition);
}

.calculator-teaser:hover {
    transform: translateY(-5px);
}

.calculator-teaser__content h3 {
    margin-bottom: 0.75rem;
    color: var(--gold);
    display: flex;
    align-items: center;
}

.calculator-teaser__content p {
    margin-bottom: 1.5rem;
    color: var(--muted);
    font-size: 1.05rem;
}

.btn--gold {
    background: var(--gold);
    color: var(--navy);
    box-shadow: 0 4px 15px rgba(245, 188, 66, 0.2);
}

.btn--gold:hover {
    background: var(--gold-light);
    box-shadow: 0 6px 20px rgba(245, 188, 66, 0.3);
}

a:focus-visible {
    outline: 2px solid var(--gold);
    outline-offset: 3px;
}

/* ---- Typography ---- */
h1,
h2,
h3,
h4 {
    font-family: var(--font-head);
    line-height: 1.25;
    color: var(--white);
    letter-spacing: -0.01em;
}

h1 {
    font-size: clamp(2rem, 5vw, 3rem);
    margin-bottom: 1.2rem;
}

h2 {
    font-size: clamp(1.55rem, 3.5vw, 2.1rem);
    margin-bottom: 1rem;
    padding-top: 0.5rem;
}

h3 {
    font-size: clamp(1.2rem, 2.5vw, 1.5rem);
    margin-bottom: 0.75rem;
}

h4 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
    color: var(--gold);
    font-family: var(--font-body);
    font-weight: 600;
}

p {
    margin-bottom: 1.1rem;
    color: #d4daf0;
}

ul,
ol {
    padding-left: 1.5rem;
    margin-bottom: 1.1rem;
}

li {
    margin-bottom: 0.45rem;
    color: #d4daf0;
}

strong {
    color: var(--white);
    font-weight: 600;
}

blockquote {
    border-left: 3px solid var(--gold);
    padding: 0.9rem 1.25rem;
    background: var(--navy-card);
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
    margin: 1.5rem 0;
    color: var(--white);
    font-style: normal;
}

/* ---- Layout container ---- */
.container {
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 1.25rem;
}

.page-wrapper {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

main {
    flex: 1;
}

/* ---- Header / Nav ---- */
.site-header {
    background: rgba(10, 15, 30, 0.95);
    backdrop-filter: blur(12px);
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid var(--navy-border);
    padding: 0;
}

.nav-inner {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.logo {
    font-family: var(--font-head);
    font-size: 1.5rem;
    color: var(--gold);
    font-weight: 700;
    letter-spacing: -0.02em;
    display: flex;
    align-items: center;
    gap: 6px;
}

.logo span {
    color: var(--white);
    font-size: 0.85rem;
    font-family: var(--font-body);
    font-weight: 400;
    opacity: 0.7;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2rem;
    padding: 0;
    margin: 0;
}

.nav-links a {
    color: var(--muted);
    font-size: 0.92rem;
    font-weight: 500;
    letter-spacing: 0.01em;
    padding: 6px 0;
    border-bottom: 2px solid transparent;
    transition: color var(--transition), border-color var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--gold);
    border-bottom-color: var(--gold);
}

.nav-cta {
    background: var(--gold);
    color: var(--navy) !important;
    padding: 8px 18px !important;
    border-radius: var(--r-sm) !important;
    font-weight: 700 !important;
    border-bottom: none !important;
    transition: background var(--transition), transform var(--transition) !important;
}

.nav-cta:hover {
    background: var(--gold-light) !important;
    transform: translateY(-1px);
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: all var(--transition);
}

/* ---- Ad unit wrappers ---- */
.ad-unit {
    text-align: center;
    background: transparent;
    border: none;
    border-radius: var(--r-md);
    padding: 10px 0;
    margin: 2rem auto;
    overflow: hidden;
    max-width: 100%;
}

.ad-unit--header {
    max-width: 100%;
    margin: 0;
    border-radius: 0;
    border-left: none;
    border-right: none;
    border-top: none;
}

.ad-unit--mid {
    max-width: 380px;
}

.ad-unit--footer {
    max-width: 340px;
}

.ad-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--muted);
    margin-bottom: 6px;
    display: block;
    opacity: 0.6;
}

/* ---- Sticky Bottom Ad ---- */
.ad-sticky-bottom {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    z-index: 999;
    background: rgba(10, 15, 30, 0.98);
    backdrop-filter: blur(10px);
    border-top: 1px solid var(--navy-border);
    padding: 45px 0;
    text-align: center;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.6);
    display: flex;
    justify-content: center;
    transition: transform 0.3s ease;
}

.ad-sticky-close {
    position: absolute;
    top: -24px;
    right: 10px;
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    color: var(--muted);
    border-radius: 4px 4px 0 0;
    padding: 2px 10px;
    font-size: 11px;
    cursor: pointer;
    font-weight: 600;
}

/* ---- Hero ---- */
.hero {
    padding: 4.5rem 1.25rem 3.5rem;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -200px;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(245, 188, 66, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

.hero--inner {
    max-width: var(--max-w);
    margin: 0 auto;
    position: relative;
    z-index: 2;
}

.hero-img-container {
    margin-top: 2rem;
    border-radius: var(--r-lg);
    overflow: hidden;
    border: 1px solid var(--navy-border);
    box-shadow: var(--shadow-card);
    background: var(--navy-mid);
    line-height: 0;
}

.hero-img {
    width: 100%;
    height: auto;
    aspect-ratio: 16 / 9;
    object-fit: cover;
    opacity: 0.9;
    transition: transform 0.4s ease;
}

.hero-img-container:hover .hero-img {
    transform: scale(1.02);
    opacity: 1;
}

.hero__tag {
    display: inline-block;
    background: rgba(245, 188, 66, 0.12);
    color: var(--gold);
    border: 1px solid rgba(245, 188, 66, 0.3);
    border-radius: 100px;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 4px 14px;
    margin-bottom: 1.2rem;
}

.hero__sub {
    font-size: clamp(1rem, 2vw, 1.2rem);
    color: var(--muted);
    margin-top: 0.75rem;
    max-width: 600px;
}

.hero__meta {
    font-size: 0.82rem;
    color: var(--muted);
    margin-top: 1.8rem;
    display: flex;
    align-items: center;
    gap: 1.5rem;
    flex-wrap: wrap;
}

.hero__meta-dot {
    width: 4px;
    height: 4px;
    background: var(--navy-border);
    border-radius: 50%;
}

/* ---- Cards ---- */
.card {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-lg);
    padding: 1.75rem;
    transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.card:hover {
    border-color: rgba(245, 188, 66, 0.4);
    transform: translateY(-3px);
    box-shadow: var(--shadow-card);
}

.card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 1.25rem;
    margin: 2rem 0;
}

.card__icon {
    font-size: 1.8rem;
    margin-bottom: 0.75rem;
    display: block;
}

.card__title {
    font-size: 1.05rem;
    font-weight: 600;
    margin-bottom: 0.4rem;
    font-family: var(--font-body);
}

.card__desc {
    font-size: 0.9rem;
    color: var(--muted);
    margin: 0;
}

/* ---- Highlight box ---- */
.highlight {
    background: linear-gradient(135deg, rgba(245, 188, 66, 0.1) 0%, rgba(245, 188, 66, 0.04) 100%);
    border: 1px solid rgba(245, 188, 66, 0.25);
    border-radius: var(--r-md);
    padding: 1.5rem 1.75rem;
    margin: 2rem 0;
}

.highlight--blue {
    background: linear-gradient(135deg, rgba(59, 130, 246, 0.1) 0%, rgba(59, 130, 246, 0.04) 100%);
    border-color: rgba(59, 130, 246, 0.25);
}

.highlight--green {
    background: linear-gradient(135deg, rgba(52, 211, 153, 0.1) 0%, rgba(52, 211, 153, 0.04) 100%);
    border-color: rgba(52, 211, 153, 0.25);
}

/* ---- Comparison tables ---- */
.compare-table {
    width: 100%;
    border-collapse: collapse;
    margin: 1.5rem 0;
    font-size: 0.92rem;
    border-radius: var(--r-md);
    overflow: hidden;
}

.compare-table th {
    background: var(--navy-card);
    color: var(--gold);
    padding: 0.85rem 1rem;
    text-align: left;
    font-weight: 600;
    border-bottom: 1px solid var(--navy-border);
    font-family: var(--font-body);
    font-size: 0.88rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.compare-table td {
    padding: 0.8rem 1rem;
    border-bottom: 1px solid var(--navy-border);
    color: #d4daf0;
}

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

.compare-table tr:nth-child(even) td {
    background: rgba(26, 34, 53, 0.5);
}

.compare-table tr:hover td {
    background: var(--navy-card);
}

/* ---- Key stat boxes ---- */
.stat-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: 1rem;
    margin: 2rem 0;
}

.stat-box {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    padding: 1.25rem;
    text-align: center;
}

.stat-box__num {
    font-size: 2rem;
    font-weight: 700;
    color: var(--gold);
    font-family: var(--font-head);
    display: block;
    line-height: 1;
    margin-bottom: 0.4rem;
}

.stat-box__label {
    font-size: 0.82rem;
    color: var(--muted);
}

/* ---- FAQ ---- */
.faq-list {
    margin: 1.5rem 0;
}

.faq-item {
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    margin-bottom: 0.75rem;
    overflow: hidden;
}

.faq-q {
    width: 100%;
    background: var(--navy-card);
    border: none;
    color: var(--white);
    text-align: left;
    padding: 1.1rem 1.25rem;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: var(--font-body);
    transition: background var(--transition);
}

.faq-q:hover {
    background: rgba(26, 34, 53, 0.8);
}

.faq-q[aria-expanded="true"] {
    border-bottom: 1px solid var(--navy-border);
}

.faq-icon {
    font-size: 1.1rem;
    color: var(--gold);
    transition: transform var(--transition);
}

.faq-q[aria-expanded="true"] .faq-icon {
    transform: rotate(45deg);
}

.faq-a {
    padding: 1rem 1.25rem;
    font-size: 0.95rem;
    color: #c8d0e8;
    display: none;
}

.faq-a.open {
    display: block;
}

/* ---- Author / EEAT strip ---- */
.author-strip {
    display: flex;
    align-items: center;
    gap: 1rem;
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    padding: 1.1rem 1.5rem;
    margin: 2.5rem 0;
}

.author-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, #f5bc42, #c49a28);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.2rem;
    color: var(--navy);
    flex-shrink: 0;
}

.author-info {
    font-size: 0.88rem;
}

.author-name {
    font-weight: 600;
    color: var(--white);
}

.author-cred {
    color: var(--muted);
    font-size: 0.82rem;
    margin-top: 2px;
}

/* ---- Internal link cards ---- */
.link-cards {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: 1rem;
    margin: 2rem 0;
}

.link-card {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    padding: 1.25rem 1.5rem;
    display: flex;
    align-items: center;
    gap: 0.8rem;
    transition: border-color var(--transition), transform var(--transition);
    color: var(--white) !important;
}

.link-card:hover {
    border-color: var(--gold);
    transform: translateX(4px);
    color: var(--gold) !important;
}

.link-card__arrow {
    color: var(--gold);
    font-size: 1.1rem;
    margin-left: auto;
}

/* ---- Section dividers ---- */
.section-divider {
    border: none;
    height: 1px;
    background: linear-gradient(to right, transparent, var(--navy-border), transparent);
    margin: 3rem 0;
}

/* ---- Content area ---- */
.content-body {
    padding: 2.5rem 1.25rem;
}

.content-body .container {
    max-width: var(--max-w);
}

/* ---- Breadcrumb ---- */
.breadcrumb {
    font-size: 0.82rem;
    color: var(--muted);
    padding: 1rem 0 0;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    flex-wrap: wrap;
}

.breadcrumb a {
    color: var(--muted);
}

.breadcrumb a:hover {
    color: var(--gold);
}

.breadcrumb__sep {
    opacity: 0.4;
}

.breadcrumb__current {
    color: var(--white);
}

/* ---- Footer ---- */
.site-footer {
    background: var(--navy-mid);
    border-top: 1px solid var(--navy-border);
    padding: 3rem 1.25rem 1.5rem;
    margin-top: 4rem;
    padding-bottom: 120px; /* Space for sticky ad */
}

.footer-inner {
    max-width: 1100px;
    margin: 0 auto;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 2.5rem;
    margin-bottom: 2.5rem;
}

.footer-brand p {
    font-size: 0.9rem;
    color: var(--muted);
    margin-top: 0.75rem;
}

.footer-col h4 {
    font-size: 0.82rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 0.9rem;
    font-family: var(--font-body);
}

.footer-col ul {
    list-style: none;
    padding: 0;
}

.footer-col ul li {
    margin-bottom: 0.5rem;
}

.footer-col ul a {
    color: var(--muted);
    font-size: 0.9rem;
}

.footer-col ul a:hover {
    color: var(--gold);
}

.footer-bottom {
    border-top: 1px solid var(--navy-border);
    padding-top: 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 0.75rem;
    font-size: 0.82rem;
    color: var(--muted);
}

.footer-disclaimer {
    font-size: 0.78rem;
    color: var(--muted);
    margin-top: 1.5rem;
    line-height: 1.6;
    opacity: 0.75;
}

/* ---- Scroll animations ---- */
.fade-in {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity 0.55s ease, transform 0.55s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ---- Utility ---- */
.text-gold {
    color: var(--gold);
}

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

.text-small {
    font-size: 0.88rem;
}

.mt-1 {
    margin-top: 0.5rem;
}

.mt-2 {
    margin-top: 1rem;
}

.mt-3 {
    margin-top: 1.5rem;
}

.mb-2 {
    margin-bottom: 1rem;
}

.mb-3 {
    margin-bottom: 1.5rem;
}

/* ---- Responsive ---- */
@media (max-width: 720px) {
    .nav-links {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 64px;
        left: 0;
        right: 0;
        background: var(--navy-mid);
        border-bottom: 1px solid var(--navy-border);
        padding: 1rem 1.25rem 1.5rem;
        gap: 0;
        z-index: 99;
    }

    .nav-links.open {
        display: flex;
    }

    .nav-links a {
        padding: 0.75rem 0;
        border-bottom: 1px solid var(--navy-border);
        display: block;
    }

    .nav-links li:last-child a {
        border-bottom: none;
    }

    .hamburger {
        display: flex;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .footer-bottom {
        flex-direction: column;
        align-items: flex-start;
    }

    .stat-row {
        grid-template-columns: repeat(2, 1fr);
    }

    .card-grid {
        grid-template-columns: 1fr;
    }

    .compare-table {
        font-size: 0.82rem;
    }

    .compare-table th,
    .compare-table td {
        padding: 0.65rem 0.75rem;
    }
}

@media (max-width: 480px) {
    html {
        font-size: 15px;
    }

    .hero {
        padding: 3rem 1rem 2.5rem;
    }

    .stat-row {
        grid-template-columns: 1fr 1fr;
    }
}

.h-field {
    display: none !important;
}

.form-message {
    padding: 1rem;
    border-radius: var(--r-sm);
    margin-bottom: 2rem;
    display: none;
    font-size: 0.95rem;
}

.form-message--success {
    display: block;
    background: rgba(52, 211, 153, 0.1);
    border: 1px solid var(--success);
    color: var(--success);
}

.form-message--error {
    display: block;
    background: rgba(248, 113, 113, 0.1);
    border: 1px solid var(--danger);
    color: var(--danger);
}


/* ---- Forms ---- */
.contact-form {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-lg);
    padding: 2.5rem;
    margin: 2rem 0;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    font-size: 0.88rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--gold);
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    background: var(--navy-mid);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-sm);
    padding: 0.8rem 1rem;
    color: var(--white);
    font-family: var(--font-body);
    font-size: 1rem;
    transition: border-color var(--transition), box-shadow var(--transition);
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(245, 188, 66, 0.1);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--gold);
    color: var(--navy);
    font-weight: 700;
    padding: 0.9rem 2rem;
    border-radius: var(--r-sm);
    border: none;
    cursor: pointer;
    font-family: var(--font-body);
    font-size: 1rem;
    transition: background var(--transition), transform var(--transition);
}

.btn:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
}

.btn--full {
    width: 100%;
}

.contact-info {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.info-item {
    background: var(--navy-mid);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    padding: 1.5rem;
    text-align: center;
}

.info-item icon {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
    display: block;
}

.info-item h4 {
    margin-bottom: 0.25rem;
}

.info-item p {
    font-size: 0.9rem;
    margin: 0;
    color: var(--muted);
}

/* ---- Section Inner ---- */
.section-inner {
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 1.25rem;
}

/* ---- UI Polish & Icons ---- */
.material-symbols-outlined {
    font-family: 'Material Symbols Outlined' !important;
    font-size: 1.4rem;
    vertical-align: middle;
    margin-right: 0.5rem;
    color: var(--gold);
    font-style: normal;
}

/* ---- Calculator UI ---- */
.calc-container {
    background: var(--navy-card);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-lg);
    padding: 2.5rem;
    margin: 2rem 0;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 2.5rem;
    box-shadow: var(--shadow-card);
}

@media (max-width: 800px) {
    .calc-container {
        grid-template-columns: 1fr;
        padding: 1.5rem;
    }
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.input-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    background: var(--navy-mid);
    border-radius: 5px;
    outline: none;
    margin: 1rem 0;
}

.input-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: var(--gold);
    cursor: pointer;
    border-radius: 50%;
    box-shadow: 0 0 10px rgba(245, 188, 66, 0.3);
}

.calc-results {
    background: var(--navy-mid);
    border: 1px solid var(--navy-border);
    border-radius: var(--r-md);
    padding: 2.5rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
    text-align: center;
}

.result-main {
    font-size: 3rem;
    font-family: var(--font-head);
    color: var(--gold);
    font-weight: 700;
    margin-bottom: 0.25rem;
}

.result-label {
    text-transform: uppercase;
    font-size: 0.75rem;
    letter-spacing: 1px;
    color: var(--muted);
    margin-bottom: 1.5rem;
}

.result-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    text-align: left;
}

.res-item h4 {
    font-size: 0.75rem;
    color: var(--muted);
    margin: 0;
}

.res-item p {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--white);
    margin: 0.25rem 0 0;
}

.wealth-score {
    margin-top: 1.5rem;
    padding: 1rem;
    background: rgba(245, 188, 66, 0.08);
    border-radius: var(--r-sm);
    font-size: 0.9rem;
    color: var(--gold-light);
}