/* ============================================================
   TaxCompass India - design tokens
   ============================================================ */
:root {
  --bg: #f4f6f3;
  --surface: #ffffff;
  --surface-2: #eef2ec;
  --text: #1c2321;
  --muted: #5c6763;
  --line: #e3e8e0;
  --line-strong: #cfd7cc;
  --accent: #14532d;
  --accent-2: #1d6b3d;
  --accent-3: #2f8a53;
  --accent-soft: #e3f1e8;
  --accent-ink: #0f3d24;
  --gold: #c9a227;
  --old: #8a6412;
  --old-soft: #fbf3dc;
  --new: #14532d;
  --new-soft: #e3f1e8;
  --warn: #8a3b12;
  --warn-soft: #fdebdd;
  --danger: #9b1c1c;
  --danger-soft: #fde8e8;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 2px rgba(20, 35, 25, .05), 0 6px 20px rgba(20, 35, 25, .06);
  --shadow-lg: 0 2px 6px rgba(20, 35, 25, .06), 0 16px 40px rgba(20, 35, 25, .10);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, "Noto Sans", sans-serif;
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f1512;
    --surface: #171f1a;
    --surface-2: #1f2924;
    --text: #e8ece9;
    --muted: #9aa59f;
    --line: #2a3530;
    --line-strong: #37453e;
    --accent: #2f8a53;
    --accent-2: #3da368;
    --accent-3: #55b97e;
    --accent-soft: #163b26;
    --accent-ink: #0f3d24;
    --gold: #d1a935;
    --old: #d1a935;
    --old-soft: #3a2e12;
    --new: #55b97e;
    --new-soft: #163b26;
    --warn: #f0a070;
    --warn-soft: #3d2416;
    --danger: #f08a8a;
    --danger-soft: #3d1a1a;
    --shadow: 0 1px 2px rgba(0, 0, 0, .4), 0 6px 20px rgba(0, 0, 0, .35);
    --shadow-lg: 0 2px 6px rgba(0, 0, 0, .4), 0 16px 40px rgba(0, 0, 0, .5);
    color-scheme: dark;
  }
  .brand-mark { background: #e8ece9; }
  .verdict { color: #fff; }
  .stat.hi { color: #fff; }
  .disclaimer { color: #e6d3a3; }
  .risk-1 { background: #163b26; color: #9fe0b8; } .risk-2 { background: #24331a; color: #c5dc8e; } .risk-3 { background: #3a2e12; color: #e6c979; } .risk-4 { background: #3d2416; color: #f0b08e; } .risk-5 { background: #3d1a1a; color: #f0a0a0; }
  .term p { color: var(--text); }
  table.compare tbody tr:hover td { background: #1b2520; }
  .cat .typical, .term .cat, .eyebrow { color: var(--accent-3); }
  .site-footer { background: #0a110d; }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font: 15px/1.55 var(--font);
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent-2); }
h1 { font-size: clamp(1.6rem, 2.4vw, 2.1rem); margin: 0 0 .5rem; letter-spacing: -.02em; line-height: 1.15; font-weight: 700; }
h2 { font-size: 1.25rem; margin: 2rem 0 .7rem; letter-spacing: -.01em; }
h3 { font-size: 1.02rem; margin: 1.2rem 0 .5rem; }
p { margin: .3rem 0 .8rem; }
small { color: var(--muted); font-weight: 400; }
.muted { color: var(--muted); }
.small { font-size: .78rem; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 22px; }
[hidden] { display: none !important; }
:focus-visible { outline: 3px solid rgba(29, 107, 61, .45); outline-offset: 2px; border-radius: 6px; }

/* ============================================================
   Header
   ============================================================ */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: linear-gradient(135deg, #0f3d24 0%, #14532d 55%, #1a6338 100%);
  color: #fff;
  box-shadow: 0 2px 12px rgba(0, 0, 0, .12);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding-top: 12px; padding-bottom: 12px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-weight: 700; font-size: 1.2rem; letter-spacing: -.01em; }
.brand-mark { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: #fff; color: var(--accent); font-weight: 800; font-size: 1.1rem; box-shadow: 0 2px 8px rgba(0, 0, 0, .15); }
.brand-sub { color: rgba(255, 255, 255, .7); font-weight: 500; }
.brand-tag { display: none; font-size: .78rem; color: rgba(255, 255, 255, .7); font-weight: 400; margin-left: 6px; padding-left: 12px; border-left: 1px solid rgba(255, 255, 255, .25); }
@media (min-width: 900px) { .brand-tag { display: inline; } }
.tabs { display: flex; gap: 4px; overflow-x: auto; scrollbar-width: none; padding: 2px; margin: -2px; }
.tabs::-webkit-scrollbar { display: none; }
.tabs a { white-space: nowrap; padding: 8px 14px; border-radius: 999px; text-decoration: none; color: rgba(255, 255, 255, .82); font-weight: 500; font-size: .92rem; transition: background .15s, color .15s; }
.tabs a:hover { background: rgba(255, 255, 255, .12); color: #fff; }
.tabs a.active { background: #fff; color: var(--accent); font-weight: 600; box-shadow: 0 2px 8px rgba(0, 0, 0, .12); }
@media (max-width: 700px) {
  .header-inner { flex-direction: column; align-items: stretch; gap: 6px; padding-top: 10px; padding-bottom: 8px; }
  .brand { font-size: 1.05rem; }
  .brand-mark { width: 28px; height: 28px; font-size: .95rem; }
  .tabs { margin: 0 -22px; padding: 2px 22px 4px; }
  .tabs a { padding: 7px 12px; font-size: .88rem; }
  .panel { padding-top: 22px; }
  h1 { font-size: 1.5rem; }
  .stat .v { font-size: 1.2rem; }
  .regime-card .amount { font-size: 1.7rem; }
}

/* ============================================================
   Panels and section heads
   ============================================================ */
.panel { padding: 30px 0 48px; }
.panel-head { margin-bottom: 22px; max-width: 78ch; }
.eyebrow { display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-2); margin-bottom: 8px; }
.panel-head p { color: var(--muted); font-size: 1.02rem; }
.facts { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.facts span { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; border-radius: 999px; background: var(--surface); border: 1px solid var(--line); font-size: .82rem; color: var(--text); }
.facts span::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--accent-3); }

.notice { padding: 14px 16px; border-radius: var(--radius-sm); background: var(--surface); border: 1px solid var(--line); margin: 16px 0; }
.notice.warn { background: var(--warn-soft); border-color: #f1c9ad; color: var(--warn); }
.notice.error { background: var(--danger-soft); border-color: #f3b4b4; color: var(--danger); }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow); }

/* ============================================================
   Forms
   ============================================================ */
label { display: flex; flex-direction: column; gap: 5px; font-size: .9rem; font-weight: 500; }
label small { font-size: .78rem; }
label.check { flex-direction: row; align-items: flex-start; gap: 9px; font-weight: 400; line-height: 1.45; }
label.check input { margin-top: 3px; }
label.inline { flex-direction: row; align-items: center; gap: 8px; }
label.inline select { width: auto; }
input[type=number], input[type=text], input[type=search], input[type=email], input[type=date], select {
  width: 100%; padding: 9px 11px; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); font: inherit; background: var(--surface); color: var(--text);
  transition: border-color .15s, box-shadow .15s;
}
input:hover, select:hover { border-color: #b7c2b3; }
input:focus, select:focus { outline: none; border-color: var(--accent-2); box-shadow: 0 0 0 3px rgba(29, 107, 61, .18); }
input[type=number] { font-variant-numeric: tabular-nums; }
select { max-width: 100%; min-width: 0; text-overflow: ellipsis; }
.calc .inputs > label, .calc .inputs > div { min-width: 0; }
.btn { padding: 10px 18px; border-radius: 999px; border: 1px solid var(--accent); background: linear-gradient(180deg, var(--accent-2), var(--accent)); color: #fff; font: inherit; font-weight: 600; cursor: pointer; box-shadow: 0 2px 8px rgba(20, 83, 45, .25); transition: transform .12s, box-shadow .12s, filter .12s; }
.btn:hover { filter: brightness(1.06); transform: translateY(-1px); box-shadow: 0 6px 16px rgba(20, 83, 45, .28); }
.btn:active { transform: translateY(0); }
.btn.secondary { background: transparent; color: var(--accent); box-shadow: none; }
.btn.secondary:hover { background: var(--accent-soft); }
.btn:disabled { opacity: .6; cursor: default; transform: none; }
.form-actions { display: flex; justify-content: flex-end; margin-top: 8px; }
.btn-row { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 10px; }

/* ============================================================
   Tax comparison
   ============================================================ */
.tax-layout { display: grid; grid-template-columns: minmax(300px, 430px) 1fr; gap: 24px; align-items: start; }
@media (max-width: 900px) { .tax-layout { grid-template-columns: 1fr; } }
.tax-form .stage { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 10px; box-shadow: var(--shadow); overflow: hidden; }
.tax-form summary { cursor: pointer; padding: 13px 16px; font-weight: 600; list-style: none; display: flex; align-items: center; gap: 10px; }
.tax-form summary::-webkit-details-marker { display: none; }
.tax-form summary::after { content: "+"; margin-left: auto; color: var(--muted); font-weight: 400; font-size: 1.2rem; }
.tax-form details[open] summary { border-bottom: 1px solid var(--line); background: var(--surface-2); }
.tax-form details[open] summary::after { content: "–"; }
.step { display: inline-grid; place-items: center; width: 24px; height: 24px; border-radius: 50%; background: var(--accent); color: #fff; font-size: .78rem; font-weight: 700; }
.grid { display: grid; grid-template-columns: 1fr; gap: 11px; padding: 14px 16px 16px; }

.headline { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 14px; }
@media (max-width: 560px) { .headline { grid-template-columns: 1fr; } }
.regime-card { border-radius: var(--radius); padding: 16px 18px; border: 1px solid var(--line); background: var(--surface); box-shadow: var(--shadow); position: relative; overflow: hidden; }
.regime-card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 5px; }
.regime-card.old::before { background: linear-gradient(90deg, #b7861c, #d8a92b); }
.regime-card.new::before { background: linear-gradient(90deg, var(--accent), var(--accent-3)); }
.regime-card .label { font-size: .74rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 700; margin-top: 4px; }
.regime-card .amount { font-size: 2rem; font-weight: 800; margin: 4px 0 2px; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.regime-card .eff { color: var(--muted); font-size: .85rem; }
.regime-card .winner { position: absolute; top: 14px; right: 14px; background: var(--accent); color: #fff; font-size: .7rem; padding: 4px 9px; border-radius: 999px; font-weight: 700; letter-spacing: .04em; }
.verdict { grid-column: 1 / -1; padding: 14px 18px; border-radius: var(--radius); background: linear-gradient(135deg, var(--accent-ink), var(--accent)); color: #fff; font-weight: 600; font-size: 1.02rem; box-shadow: var(--shadow); }
.verdict.same { background: var(--surface); color: var(--text); border: 1px dashed var(--line-strong); box-shadow: none; font-weight: 500; }

table.compare { width: 100%; border-collapse: separate; border-spacing: 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); }
table.compare th, table.compare td { padding: 9px 13px; border-bottom: 1px solid var(--line); text-align: right; vertical-align: top; }
table.compare tr:last-child td { border-bottom: none; }
table.compare th:first-child, table.compare td:first-child { text-align: left; }
table.compare thead th { background: var(--surface-2); font-size: .74rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 700; }
table.compare tbody tr:hover td { background: #fafbf9; }
table.compare tr.group td { background: var(--accent-soft); color: var(--accent-ink); font-weight: 700; text-align: left; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; }
table.compare tr.subtotal td { font-weight: 600; }
table.compare tr.total td { font-weight: 800; font-size: 1.05rem; background: var(--accent-soft); }
table.compare td.na { color: var(--muted); font-style: italic; }
table.compare td.better { color: var(--accent); font-weight: 700; }
table.compare td.neg { color: var(--danger); }
.notes { margin-top: 12px; padding-left: 18px; }
.notes li { margin-bottom: 6px; }
.provisions { margin-top: 20px; }
.provisions summary { cursor: pointer; font-weight: 600; padding: 12px 16px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.provisions[open] summary { border-radius: var(--radius) var(--radius) 0 0; }
.prov-table td:nth-child(2) { color: var(--old); }
.prov-table td:nth-child(3) { color: var(--new); }
.prov-table td { text-align: left !important; font-size: .9rem; }
.tag { display: inline-block; font-size: .68rem; padding: 2px 7px; border-radius: 4px; background: var(--surface-2); color: var(--muted); margin-left: 6px; vertical-align: middle; font-weight: 600; }

/* ============================================================
   Calculators
   ============================================================ */
.subtabs { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 18px; }
.subtabs a, .subtabs button { display: inline-block; padding: 9px 16px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--surface); color: var(--text); text-decoration: none; font: inherit; font-weight: 500; cursor: pointer; transition: all .15s; }
.subtabs a:hover, .subtabs button:hover { border-color: var(--accent-3); color: var(--accent); }
.subtabs a.active, .subtabs button.active { background: var(--accent); color: #fff; border-color: var(--accent); box-shadow: 0 2px 8px rgba(20, 83, 45, .25); }

/* about */
.about { display: grid; gap: 14px; max-width: 900px; }
.about-section ul { padding-left: 20px; }
.about-section li { margin-bottom: 6px; }
.about .sources li { text-transform: capitalize; }
.about .sources a { text-transform: none; }
.calc { display: grid; grid-template-columns: minmax(280px, 390px) 1fr; gap: 22px; align-items: start; }
@media (max-width: 800px) { .calc, .calc.budget { grid-template-columns: 1fr; } }
.calc .inputs { display: grid; gap: 12px; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 10px; margin-bottom: 14px; }
.stat { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 13px 15px; box-shadow: var(--shadow); }
.stat .k { font-size: .72rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; font-weight: 700; }
.stat .v { font-size: 1.35rem; font-weight: 800; letter-spacing: -.01em; font-variant-numeric: tabular-nums; margin-top: 2px; }
.stat.hi { background: linear-gradient(135deg, var(--accent-ink), var(--accent)); border-color: var(--accent); color: #fff; }
.stat.hi .k { color: rgba(255, 255, 255, .75); }
.stat.bad { background: var(--danger-soft); border-color: #f3b4b4; }
.stat.bad .v { color: var(--danger); }
.bar { height: 14px; border-radius: 7px; overflow: hidden; display: flex; background: var(--surface-2); margin: 6px 0 14px; }
.bar span { display: block; height: 100%; }
.bar .a { background: var(--accent); }
.bar .b { background: var(--gold); }
.legend { display: flex; gap: 16px; font-size: .85rem; color: var(--muted); margin-bottom: 10px; flex-wrap: wrap; }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: middle; }
.explain { padding: 12px 16px; background: var(--accent-soft); border-left: 3px solid var(--accent-3); border-radius: 8px; color: var(--accent-ink); font-weight: 500; line-height: 1.5; }
.opts { border-top: 1px dashed var(--line-strong); margin-top: 4px; padding-top: 12px; }
.opts .opt-title { font-size: .74rem; text-transform: uppercase; letter-spacing: .1em; color: var(--accent-2); font-weight: 700; margin-bottom: 8px; }
.opt-help { font-size: .82rem; color: var(--muted); margin: 0 0 8px; }
.sub { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 10px 12px; margin-bottom: 8px; background: var(--surface-2); }
.sub-title { font-size: .82rem; font-weight: 600; margin-bottom: 6px; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.compare-scen th.on, .compare-scen td.on { background: var(--accent-soft); }

/* insights: break-even and what-if */
.insights { margin-bottom: 16px; border-top: 4px solid var(--gold); }
.insights h4 { margin: 16px 0 4px; font-size: .95rem; }
.slider-row { display: grid; grid-template-columns: minmax(180px, 1.1fr) 2fr; gap: 10px 16px; align-items: center; padding: 8px 0; border-bottom: 1px dashed var(--line); }
.slider-row:last-of-type { border-bottom: none; }
.slider-label { font-size: .9rem; font-weight: 500; }
.slider-label small { display: block; font-size: .76rem; }
.slider-link, .tag-link { display: inline-block; font-size: .76rem; margin-left: 6px; color: var(--accent-2); font-weight: 600; text-decoration: none; }
.slider-link:hover, .tag-link:hover { text-decoration: underline; }
.slider-ctl { display: flex; align-items: center; gap: 12px; }
.slider-ctl input[type=range] { flex: 1; accent-color: var(--accent); }
.slider-val { min-width: 92px; text-align: right; font-weight: 700; font-variant-numeric: tabular-nums; }
.whatif-result { margin-top: 10px; padding: 12px 14px; background: var(--accent-soft); border-radius: var(--radius-sm); line-height: 1.5; }
.headroom { margin-top: 14px; }
.headroom summary { cursor: pointer; font-weight: 600; color: var(--accent-2); }
.headroom .table-wrap { margin-top: 10px; }
@media (max-width: 560px) { .slider-row { grid-template-columns: 1fr; } }

/* charts */
.chart-card { margin-bottom: 14px; }
.viz-wrap { position: relative; }
.viz { display: block; font-family: inherit; overflow: visible; }
.viz-title { font-size: .82rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; margin: 4px 0 6px; }
.viz-legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .82rem; color: var(--muted); margin-bottom: 4px; }
.viz-legend i, .viz-tip i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: middle; }
.viz-tip { position: absolute; pointer-events: none; background: var(--surface); border: 1px solid var(--line-strong); border-radius: 8px; padding: 8px 10px; font-size: .82rem; box-shadow: var(--shadow-lg); z-index: 5; white-space: nowrap; }
.viz-tip-x { font-weight: 700; margin-bottom: 4px; }
.two-charts { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 820px) { .two-charts { grid-template-columns: 1fr; } }

/* headline extras: trust line and share */
.headline-foot { grid-column: 1 / -1; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-start; gap: 10px; }
.trust { font-size: .78rem; color: var(--muted); max-width: 52ch; }
.share { display: flex; flex-direction: column; align-items: flex-end; gap: 8px; }
.share-toggle { padding: 7px 14px; font-size: .88rem; }
.share-panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px; box-shadow: var(--shadow-lg); width: min(420px, 100%); display: grid; gap: 8px; }
.share-preview { width: 100%; border-radius: 10px; display: block; }
@media (max-width: 560px) { .share { align-items: stretch; } }

/* glossary tooltips */
abbr.gl { text-decoration: none; border-bottom: 1px dotted var(--accent-2); cursor: help; }
abbr.gl:hover, abbr.gl:focus { background: var(--accent-soft); outline: none; border-radius: 3px; }
.gl-tip { position: absolute; z-index: 30; background: var(--surface); color: var(--text); border: 1px solid var(--line-strong); border-radius: 10px; padding: 10px 12px; font-size: .84rem; line-height: 1.45; box-shadow: var(--shadow-lg); }
.gl-tip strong { display: block; margin-bottom: 2px; color: var(--accent-2); }

/* motion */
@keyframes panelIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.panel.enter { animation: panelIn .28s ease-out; }
.stat, .regime-card, .cat, .term, .scheme { transition: box-shadow .15s, transform .15s; }
.stat:hover, .cat:hover, .term:hover { box-shadow: var(--shadow-lg); transform: translateY(-1px); }
@media (prefers-reduced-motion: reduce) {
  .panel.enter { animation: none; }
  .stat, .regime-card, .cat, .term, .scheme, .btn { transition: none; }
  .stat:hover, .cat:hover, .term:hover, .btn:hover { transform: none; }
}

/* feedback */
.fb { position: fixed; right: 18px; bottom: 18px; z-index: 40; display: flex; flex-direction: column; align-items: flex-end; gap: 10px; }
.fb-toggle { padding: 10px 16px; border-radius: 999px; border: none; background: var(--accent); color: #fff; font: inherit; font-weight: 700; cursor: pointer; box-shadow: var(--shadow-lg); }
.fb-toggle:hover { background: var(--accent-2); }
.fb-panel { width: min(380px, calc(100vw - 36px)); padding: 16px; box-shadow: var(--shadow-lg); }
.fb-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.fb-form { display: grid; gap: 10px; }
.fb-form textarea { width: 100%; padding: 9px 11px; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); font: inherit; background: var(--surface); color: var(--text); resize: vertical; }
.fb-form textarea:focus { outline: none; border-color: var(--accent-2); box-shadow: 0 0 0 3px rgba(29, 107, 61, .18); }
.stars { display: flex; gap: 4px; }
.stars button { background: none; border: none; font-size: 1.5rem; line-height: 1; cursor: pointer; color: var(--line-strong); padding: 0 2px; }
.stars button.on { color: var(--gold); }
.stars button:hover { color: var(--gold); }
@media (max-width: 560px) { .fb { right: 12px; bottom: 12px; } }
@media print { .fb { display: none; } }

/* calculator hand-offs */
.notice.handoff { background: var(--accent-soft); border-color: #bfdccb; color: var(--accent-ink); font-size: .9rem; margin: 0 0 4px; }
.next-steps { margin-top: 14px; border-left: 4px solid var(--gold); }
.next-steps .btn-row .btn { font-size: .88rem; padding: 8px 14px; }
a.btn { text-decoration: none; display: inline-block; text-align: center; }

/* disclaimers */
.disclaimer { margin-top: 20px; padding: 12px 16px; border-left: 3px solid var(--old); background: var(--old-soft); color: #4b3a12; font-size: .85rem; border-radius: 8px; line-height: 1.5; }

/* fund panel */
.fund-panel { margin-top: 26px; }
.fund-panel h3 { margin-bottom: 2px; font-size: 1.1rem; }
.fund-panel .intro { color: var(--muted); font-size: .9rem; margin-bottom: 12px; }
.cat-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 12px; }
.cat { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; box-shadow: var(--shadow); }
.cat h4 { margin: 0 0 6px; font-size: 1rem; display: flex; flex-wrap: wrap; gap: 6px; align-items: center; }
.cat .typical { font-size: 1.5rem; font-weight: 800; color: var(--accent); font-variant-numeric: tabular-nums; letter-spacing: -.01em; }
.cat .range { font-size: .8rem; color: var(--muted); }
.cat details { margin-top: 10px; }
.cat summary { cursor: pointer; font-size: .85rem; color: var(--accent-2); font-weight: 600; }
.cat table { width: 100%; border-collapse: collapse; font-size: .82rem; margin-top: 6px; font-variant-numeric: tabular-nums; }
.cat td, .cat th { padding: 5px 6px; border-bottom: 1px solid var(--line); text-align: right; }
.cat td:first-child, .cat th:first-child { text-align: left; }
.cat th { color: var(--muted); font-weight: 700; font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; }
.risk { font-size: .68rem; padding: 3px 8px; border-radius: 999px; font-weight: 700; letter-spacing: .02em; }
.risk-1 { background: #e3f1e8; color: #14532d; }
.risk-2 { background: #e8f0d9; color: #3f5a12; }
.risk-3 { background: #fbf1dc; color: #6b4e16; }
.risk-4 { background: #fde8dd; color: #8a3b12; }
.risk-5 { background: #fde3e3; color: #9b1c1c; }

/* ============================================================
   Budget
   ============================================================ */
.budget { grid-template-columns: minmax(320px, 520px) 1fr; }
.rows { display: grid; gap: 6px; }
.row { display: grid; gap: 6px; align-items: center; }
.expense-row { grid-template-columns: 1.3fr 1fr .9fr 28px; }
.invest-row { grid-template-columns: 1.1fr 1fr .8fr .7fr .7fr 28px; }
.row-head { display: grid; gap: 6px; grid-template-columns: 1.3fr 1fr .9fr 28px; font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 700; margin: 4px 0 2px; }
.row-head.invest-head { grid-template-columns: 1.1fr 1fr .8fr .7fr .7fr 28px; }
.row input, .row select { padding: 7px 9px; font-size: .88rem; min-width: 0; }
.unit { display: flex; align-items: center; gap: 3px; font-size: .78rem; color: var(--muted); min-width: 0; }
.unit input { flex: 1; min-width: 0; }
.icon-btn { border: 1px solid var(--line); background: var(--surface); border-radius: 8px; width: 28px; height: 34px; cursor: pointer; color: var(--muted); font-size: 1.1rem; line-height: 1; }
.icon-btn:hover { color: var(--danger); border-color: var(--danger); background: var(--danger-soft); }
.budget .chips { margin-top: 8px; }
.budget .chips button { font-size: .75rem; padding: 4px 10px; }
.chart { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 14px; box-shadow: var(--shadow); }
.chart svg { display: block; font-family: inherit; }
.export { margin-top: 22px; border-top: 4px solid var(--accent-3); }
.budget .inputs { container-type: inline-size; }
@container (max-width: 440px) {
  .invest-row { grid-template-columns: 1fr 1fr 1fr 28px; }
  .invest-row select { grid-column: 1 / span 2; grid-row: 1; }
  .invest-row input[type=text] { grid-column: 3; grid-row: 1; }
  .invest-row .icon-btn { grid-column: 4; grid-row: 1; }
  .row-head.invest-head { display: none; }
}
@container (max-width: 340px) {
  .expense-row { grid-template-columns: 1fr 1fr 28px; }
  .expense-row select { grid-column: 1 / span 2; grid-row: 1; }
  .expense-row .icon-btn { grid-column: 3; grid-row: 1; }
  .row-head { display: none; }
}

/* ============================================================
   Schemes
   ============================================================ */
.filters { display: flex; flex-wrap: wrap; gap: 10px 18px; align-items: center; margin-bottom: 14px; padding: 12px 14px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); }
.schemes-table td, .schemes-table th { font-size: .88rem; }
.schemes-table th.left, .schemes-table td.left { text-align: left; }
.schemes-table tr.detail td { background: var(--surface-2); padding: 14px 18px; }
.link-btn { background: none; border: none; color: var(--accent-2); font: inherit; font-weight: 600; cursor: pointer; padding: 0; }
.link-btn:hover { text-decoration: underline; }
details.section { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 18px; margin: 12px 0; box-shadow: var(--shadow); }
details.section summary { cursor: pointer; font-weight: 600; font-size: 1.02rem; padding: 4px 0; list-style: none; display: flex; align-items: center; }
details.section summary::-webkit-details-marker { display: none; }
details.section summary::after { content: "+"; margin-left: auto; color: var(--muted); font-size: 1.2rem; }
details.section[open] summary { margin-bottom: 10px; }
details.section[open] summary::after { content: "–"; }
.scheme-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 12px; }
.scheme { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; box-shadow: var(--shadow); }
.scheme h3 { margin: 0 0 4px; }
.kv { display: grid; grid-template-columns: max-content 1fr; gap: 6px 16px; font-size: .9rem; }
.kv dt { color: var(--muted); }
.kv dd { margin: 0; }
@media (max-width: 560px) { .kv { grid-template-columns: 1fr; } .kv dt { margin-top: 6px; font-size: .75rem; text-transform: uppercase; letter-spacing: .06em; } }

/* ============================================================
   Glossary
   ============================================================ */
.glossary-controls { display: grid; gap: 10px; margin-bottom: 16px; }
.chips { display: flex; flex-wrap: wrap; gap: 6px; }
.chips button { padding: 6px 12px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--surface); font: inherit; font-size: .83rem; cursor: pointer; transition: all .15s; }
.chips button:hover { border-color: var(--accent-3); color: var(--accent); }
.chips button.active { background: var(--accent); color: #fff; border-color: var(--accent); }
.glossary-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 12px; }
.term { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; box-shadow: var(--shadow); }
.term h3 { margin: 0 0 4px; font-size: 1rem; }
.term p { margin: 0; font-size: .9rem; color: #2f3a36; }
.term .cat { font-size: .68rem; color: var(--accent-2); text-transform: uppercase; letter-spacing: .1em; font-weight: 700; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer { margin-top: 30px; background: #0f2a1a; color: rgba(255, 255, 255, .78); padding: 34px 0 40px; font-size: .85rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; }
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { margin: 0 0 8px; color: #fff; font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; }
.site-footer p { margin: 0 0 8px; line-height: 1.55; }
.site-footer a { color: #fff; }
.site-footer .muted { color: rgba(255, 255, 255, .55); }
.footer-bottom { margin-top: 22px; padding-top: 16px; border-top: 1px solid rgba(255, 255, 255, .12); display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; color: rgba(255, 255, 255, .55); font-size: .78rem; }