:root {
    --primary: #0077B6;
    --secondary: #90E0EF;
    --dark: #023E8A;
    --light: #F8F9FA;
    --text: #212529;
    --text-muted: #6C757D;
    --white: #ffffff;
    --container-width: 1200px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --shadow-sm: 0 2px 4px rgba(0,0,0,0.05);
    --shadow: 0 10px 30px rgba(0,0,0,0.08);
    --shadow-lg: 0 20px 40px rgba(0,0,0,0.12);
    --radius: 12px;
    --radius-lg: 24px;
    --footer-bg: #011627;
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    line-height: 1.6;
    color: var(--text);
    background: #ffffff;
    padding-bottom: 60px; /* Space for fixed disclaimer */
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* Typography */
h1, h2, h3, h4 {
    color: var(--dark);
    margin-bottom: 1.2rem;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.5rem, 5vw, 3.8rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 700; }
h3 { font-size: 1.6rem; font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }

p { margin-bottom: 1.5rem; }

/* Header */
.main-header {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    padding: 0.8rem 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.main-header nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 10px;
}

.pi-symbol {
    font-size: 1.8rem;
    color: var(--primary);
    background: var(--secondary);
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 32px;
    align-items: center;
}

.nav-links > li {
    position: relative;
    padding: 10px 0;
}

.nav-links a {
    text-decoration: none;
    color: var(--text);
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 5px;
}

.nav-links a:hover {
    color: var(--primary);
}

/* Dropdown */
.dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    background: #fff;
    min-width: 240px;
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 12px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    list-style: none;
    z-index: 10;
    border: 1px solid rgba(0,0,0,0.05);
}

.has-dropdown:hover .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown li a {
    padding: 10px 20px;
    display: block;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text-muted);
}

.dropdown li a:hover {
    background: var(--light);
    color: var(--primary);
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--primary);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    border-radius: var(--radius);
    text-decoration: none;
    font-weight: 700;
    font-size: 1rem;
    transition: var(--transition);
    cursor: pointer;
    border: none;
    text-align: center;
}

.btn-primary {
    background: var(--primary);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 119, 182, 0.25);
}

.btn-secondary {
    background: var(--secondary);
    color: var(--dark);
}

.btn-secondary:hover {
    background: #72D2E6;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(144, 224, 239, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: var(--white);
}

.btn-back {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 18px;
    background: var(--light);
    color: var(--dark);
    text-decoration: none;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.9rem;
    transition: var(--transition);
    border: 1px solid rgba(0,0,0,0.05);
    margin-bottom: 24px;
}

.btn-back:hover {
    background: var(--secondary);
    color: var(--dark);
    transform: translateX(-5px);
}

.btn-white {
    background: var(--white);
    color: var(--primary);
}

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

.btn-block { width: 100%; }

/* Hero Variants */
.hero-bg {
    position: relative;
    padding: 140px 0 100px;
    background-size: cover;
    background-position: center;
    color: var(--white);
    overflow: hidden;
}

.hero-bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(2, 62, 138, 0.95) 0%, rgba(0, 119, 182, 0.7) 100%);
    z-index: 1;
}

.hero-bg .container {
    position: relative;
    z-index: 2;
}

.hero-bg h1 { color: var(--white); }
.hero-bg .lead { color: rgba(255,255,255,0.9); font-size: 1.3rem; }

.hero-small {
    padding: 80px 0;
    background: var(--light);
    text-align: center;
}

/* Calculator Hub */
.calculator-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
    gap: 32px;
    margin: 60px 0;
}

.calc-card {
    background: #fff;
    padding: 40px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid rgba(0,0,0,0.03);
    display: flex;
    flex-direction: column;
}

.calc-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.calc-icon {
    width: 64px;
    height: 64px;
    background: var(--light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 16px;
    margin-bottom: 24px;
}

.calc-card h3 {
    font-size: 1.4rem;
    margin-bottom: 12px;
}

.calc-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    margin-bottom: 24px;
    flex-grow: 1;
}

/* Form Styles */
.form-group {
    margin-bottom: 24px;
    position: relative;
}

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 0.9rem;
    color: var(--dark);
}

.form-group input, 
.form-group select, 
.form-group textarea {
    width: 100%;
    padding: 14px 18px;
    border: 2px solid #E9ECEF;
    border-radius: 12px;
    font-size: 1rem;
    font-family: inherit;
    transition: var(--transition);
    background: #FDFDFD;
    color: var(--text);
}

.form-group input:focus, 
.form-group select:focus, 
.form-group textarea:focus {
    border-color: var(--primary);
    background: #fff;
    outline: none;
    box-shadow: 0 0 0 4px rgba(0, 119, 182, 0.05);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

/* Premium Form Elements */
.interest-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 20px;
}

.chip-input {
    display: none;
}

.chip-label {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    background: var(--light);
    border: 2px solid transparent;
    border-radius: 50px;
    cursor: pointer;
    font-weight: 600;
    font-size: 0.9rem;
    transition: var(--transition);
}

.chip-input:checked + .chip-label {
    background: var(--secondary);
    border-color: var(--primary);
    color: var(--dark);
}

/* Calculator Single Layout */
.calc-single-wrapper {
    padding: 60px 0 100px;
}

.calc-main-card {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    display: grid;
    grid-template-columns: 1fr 1fr;
}

.calc-inputs {
    padding: 60px;
    background: var(--white);
}

.calc-results-panel {
    padding: 60px;
    background: var(--dark);
    color: var(--white);
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.calc-results-panel h3 { color: var(--secondary); margin-bottom: 40px; }

.result-item {
    margin-bottom: 30px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    padding-bottom: 20px;
}

.result-label {
    display: block;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 8px;
    opacity: 0.8;
}

.result-value {
    font-size: 2.2rem;
    font-weight: 800;
}

.calc-info-section {
    margin-top: 80px;
}

.calc-explanation {
    margin-top: 60px;
}

/* Stats Grid */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 20px;
    margin-top: 40px;
}

.stat-item {
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    padding: 24px;
    border-radius: var(--radius);
    border: 1px solid rgba(255,255,255,0.2);
    text-align: center;
}

.stat-label {
    display: block;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    opacity: 0.8;
    margin-bottom: 8px;
}

.stat-value {
    display: block;
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--secondary);
}

/* Content Layout */
.content-wrapper {
    padding: 80px 0;
    display: grid;
    grid-template-columns: 1fr 380px;
    gap: 64px;
}

.article-content {
    font-size: 1.1rem;
    color: #4A4A4A;
}

.article-content h2, .article-content h3 {
    margin-top: 48px;
    margin-bottom: 24px;
}

/* Feature Cards */
.feature-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin: 40px 0;
}

.feature-box {
    background: var(--light);
    padding: 32px;
    border-radius: var(--radius);
    border-left: 5px solid var(--primary);
    transition: var(--transition);
}

.feature-box:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
}

/* FAQ Accordion */
.faq-section {
    margin-top: 80px;
    background: #fff;
}

.faq-item {
    border-bottom: 1px solid #EEF2F6;
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    background: none;
    border: none;
    text-align: left;
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--dark);
    cursor: pointer;
    transition: var(--transition);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease-out;
}

.faq-answer-inner { padding-bottom: 24px; color: var(--text-muted); }
.faq-item.active .faq-answer { max-height: 500px; }

/* Footer Improvements */
.main-footer {
    background: var(--footer-bg);
    color: #8E9AAF;
    padding: 100px 0 0; /* No bottom padding here, handled by sub-footer */
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 60px;
    padding-bottom: 80px;
}

.footer-brand .logo {
    color: var(--white);
    margin-bottom: 24px;
}

.footer-brand p {
    font-size: 0.95rem;
    line-height: 1.7;
    margin-bottom: 32px;
}

.social-links {
    display: flex;
    gap: 16px;
}

.social-link {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.05);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
    text-decoration: none;
}

.social-link:hover {
    background: var(--primary);
    transform: translateY(-3px);
}

.footer-col h4 {
    color: var(--white);
    font-size: 1.1rem;
    margin-bottom: 30px;
    position: relative;
    padding-bottom: 12px;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 2px;
    background: var(--primary);
}

.footer-links-list {
    list-style: none;
}

.footer-links-list li {
    margin-bottom: 15px;
}

.footer-links-list a {
    color: #8E9AAF;
    text-decoration: none;
    transition: var(--transition);
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-links-list a:hover {
    color: var(--secondary);
    padding-left: 5px;
}

.footer-contact-info {
    font-size: 0.9rem;
}

.footer-contact-item {
    display: flex;
    gap: 12px;
    margin-bottom: 20px;
}

.footer-contact-item i {
    color: var(--primary);
    flex-shrink: 0;
}

.footer-bottom {
    background: rgba(0,0,0,0.2);
    padding: 40px 0;
    border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 40px;
}

.copyright {
    font-size: 0.85rem;
}

.footer-legal-links {
    display: flex;
    gap: 24px;
    list-style: none;
}

.footer-legal-links a {
    color: #8E9AAF;
    text-decoration: none;
    font-size: 0.85rem;
}

.footer-legal-links a:hover { color: var(--white); }

.footer-warning-box {
    margin-top: 40px;
    padding: 24px;
    background: rgba(255,255,255,0.02);
    border: 1px solid rgba(255,255,255,0.05);
    border-radius: var(--radius);
    font-size: 0.8rem;
    line-height: 1.6;
    color: rgba(142, 154, 175, 0.7);
}

/* Fixed Disclaimer Bar */
.sticky-disclaimer {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(1, 22, 39, 0.98);
    backdrop-filter: blur(10px);
    color: #fff;
    padding: 12px 0;
    z-index: 9999;
    border-top: 2px solid var(--primary);
    box-shadow: 0 -10px 30px rgba(0,0,0,0.3);
}

.disclaimer-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    font-size: 0.8rem;
    line-height: 1.4;
}

.disclaimer-text {
    flex-grow: 1;
}

.disclaimer-close {
    background: var(--primary);
    border: none;
    color: white;
    padding: 4px 12px;
    border-radius: 4px;
    font-size: 0.75rem;
    font-weight: 700;
    cursor: pointer;
    white-space: nowrap;
    transition: var(--transition);
}

.disclaimer-close:hover {
    background: var(--dark);
}

/* Animations */
.reveal-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: all 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-on-scroll.revealed {
    opacity: 1;
    transform: translateY(0);
}

.w-100 { width: 100%; }

/* Contact Specific */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 80px;
    align-items: start;
    margin-top: 60px;
}

.trust-signals-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 40px;
}

.trust-signal-item {
    background: #fff;
    padding: 24px;
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    text-align: center;
}

.trust-signal-item i {
    color: var(--primary);
    margin-bottom: 12px;
}

/* Mobile */
@media (max-width: 992px) {
    .calc-main-card { grid-template-columns: 1fr; }
    .content-wrapper { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .contact-grid { grid-template-columns: 1fr; gap: 60px; }
}

@media (max-width: 768px) {
    .nav-links { display: none; }
    .mobile-menu-toggle { display: block; }
    .calc-inputs, .calc-results-panel { padding: 30px; }
    .disclaimer-content { flex-direction: column; text-align: center; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-bottom-inner { flex-direction: column; text-align: center; gap: 20px; }
    .footer-legal-links { justify-content: center; flex-wrap: wrap; }
    .form-row { grid-template-columns: 1fr; }
}