/* FamilyFinanceTools.com - Shared Styles */
/* Keep it simple, fast, and consistent */

:root{
  --bg: #0b1220;
  --panel: #0f1a2e;
  --card: #111f38;
  --text: #e8eefc;
  --muted: #b9c6e6;
  --faint: #7f8bb0;
  --border: rgba(255,255,255,0.12);

  --accent: #7aa7ff;
  --accent2: #6ee7b7;

  --shadow: 0 10px 30px rgba(0,0,0,0.30);
  --radius: 18px;
  --radius2: 26px;

  --maxw: 1100px;
  --pad: 18px;
  --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Apple Color Emoji", "Segoe UI Emoji";
  --mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
}

*{ box-sizing: border-box; }
html,body{ height:100%; }
body{
  margin:0;
  font-family: var(--font);
  background: radial-gradient(1200px 600px at 30% -10%, rgba(122,167,255,0.25), transparent 50%),
              radial-gradient(1000px 500px at 100% 0%, rgba(110,231,183,0.18), transparent 55%),
              var(--bg);
  color: var(--text);
  line-height: 1.5;
}

a{ color: var(--text); text-decoration: none; }
a:hover{ text-decoration: underline; text-underline-offset: 4px; }
img{ max-width:100%; height:auto; display:block; }

.container{
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--pad);
}

.skip{
  position:absolute;
  left:-9999px;
  top:auto;
  width:1px;
  height:1px;
  overflow:hidden;
}
.skip:focus{
  left: 16px;
  top: 16px;
  width:auto;
  height:auto;
  padding: 10px 12px;
  background: #000;
  border: 1px solid var(--border);
  border-radius: 10px;
  z-index: 9999;
}

.header{
  position: sticky;
  top:0;
  backdrop-filter: blur(10px);
  background: rgba(11,18,32,0.7);
  border-bottom: 1px solid var(--border);
  z-index: 50;
}
.nav{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap: 10px;
  font-weight: 800;
  letter-spacing: .2px;
}
.navlinks{
  display:flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items:center;
}
.navlinks a{
  color: var(--muted);
  padding: 8px 10px;
  border-radius: 12px;
}
.navlinks a:hover{
  color: var(--text);
  background: rgba(255,255,255,0.06);
  text-decoration:none;
}
.navcta{
  display:flex;
  gap: 10px;
  align-items:center;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap: 8px;
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,0.06);
  color: var(--text);
  text-decoration:none;
  cursor:pointer;
  user-select:none;
}
.btn:hover{
  background: rgba(255,255,255,0.10);
  text-decoration:none;
}
.btn.primary{
  border-color: rgba(122,167,255,0.45);
  background: linear-gradient(135deg, rgba(122,167,255,0.25), rgba(110,231,183,0.16));
}
.btn.primary:hover{
  background: linear-gradient(135deg, rgba(122,167,255,0.32), rgba(110,231,183,0.22));
}
.btn.ghost{
  background: transparent;
}
.btn.small{ padding: 8px 10px; border-radius: 12px; font-size: 14px; }

.hero{
  padding: 48px 0 18px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 18px;
  align-items: stretch;
}
@media (max-width: 920px){
  .hero-grid{ grid-template-columns: 1fr; }
}

.panel{
  background: rgba(15,26,46,0.70);
  border: 1px solid var(--border);
  border-radius: var(--radius2);
  box-shadow: var(--shadow);
}
.panel.pad{ padding: 20px; }

.h1{
  font-size: clamp(28px, 3.2vw, 44px);
  line-height: 1.1;
  margin: 0 0 10px;
  letter-spacing: -0.6px;
}
.lede{
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 16px;
  max-width: 70ch;
}
.trust{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
  color: var(--muted);
  font-size: 14px;
}
.pill{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding: 8px 10px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,0.05);
}

.section{
  padding: 18px 0;
}
.section h2{
  margin: 0 0 10px;
  font-size: 22px;
  letter-spacing: -0.3px;
}
.section p{ color: var(--muted); margin: 0 0 12px; }

.grid{
  display:grid;
  gap: 14px;
}
.grid.cards{
  grid-template-columns: repeat(3, 1fr);
}
@media (max-width: 920px){
  .grid.cards{ grid-template-columns: 1fr; }
}

.card{
  background: rgba(17,31,56,0.8);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.25);
}
.card h3{
  margin: 0 0 6px;
  font-size: 18px;
}
.card p{
  margin: 0 0 12px;
  color: var(--muted);
  font-size: 14px;
}
.card .meta{
  display:flex;
  justify-content: space-between;
  gap: 10px;
  align-items:center;
  color: var(--faint);
  font-size: 12px;
}

.kbd{
  font-family: var(--mono);
  font-size: 12px;
  padding: 2px 6px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: rgba(255,255,255,0.05);
  color: var(--muted);
}

.hr{
  height:1px;
  background: rgba(255,255,255,0.10);
  margin: 18px 0;
}

.footer{
  padding: 28px 0 40px;
  border-top: 1px solid var(--border);
  margin-top: 20px;
  color: var(--muted);
}
.footer-grid{
  display:grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 16px;
}
@media (max-width: 920px){
  .footer-grid{ grid-template-columns: 1fr; }
}
.footer a{ color: var(--muted); }
.footer a:hover{ color: var(--text); }
.small{ font-size: 13px; color: var(--muted); }

/* Calculator layout */
.calc-layout{
  display:grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 14px;
  align-items:start;
}
@media (max-width: 980px){
  .calc-layout{ grid-template-columns: 1fr; }
}
.form{
  display:grid;
  gap: 12px;
}
.field{
  display:grid;
  gap: 6px;
}
label{
  font-size: 13px;
  color: var(--muted);
}
input, select{
  width: 100%;
  padding: 11px 12px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(0,0,0,0.25);
  color: var(--text);
  outline:none;
}
input::placeholder{ color: rgba(185,198,230,0.55); }
input:focus, select:focus{
  border-color: rgba(122,167,255,0.55);
  box-shadow: 0 0 0 3px rgba(122,167,255,0.18);
}

.help{
  font-size: 12px;
  color: var(--faint);
}
.results{
  display:grid;
  gap: 12px;
}
.kpis{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
@media (max-width: 520px){
  .kpis{ grid-template-columns: 1fr; }
}
.kpi{
  border: 1px solid var(--border);
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius);
  padding: 14px;
}
.kpi .label{ color: var(--muted); font-size: 12px; }
.kpi .value{ font-size: 22px; font-weight: 800; margin-top: 4px; letter-spacing: -0.3px; }
.note{
  border: 1px dashed rgba(255,255,255,0.22);
  border-radius: var(--radius);
  padding: 12px;
  color: var(--muted);
  background: rgba(255,255,255,0.03);
  font-size: 13px;
}

/* Ad placeholders */
.ad{
  border: 1px dashed rgba(255,255,255,0.25);
  border-radius: var(--radius);
  padding: 14px;
  color: var(--faint);
  font-size: 12px;
  background: rgba(255,255,255,0.03);
}
.ad strong{ color: var(--muted); }