/* ============================================
   AM I BROKE? — Stylesheet
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=Playfair+Display:wght@700;900&family=Inter:wght@400;500;600;700&display=swap');

/* ---- Variables ---- */
:root {
  --blue: #1C1CF5;
  --cream: #FAF7F4;
  --pink: #F0B4C8;
  --white: #ffffff;
  --dark: #111118;
  --gray: #6B7280;
  --card-shadow: 0 2px 16px rgba(0, 0, 0, 0.06);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  background: var(--cream);
  color: var(--dark);
  overflow-x: hidden;
}

/* ============================================
   HERO
   ============================================ */
.hero {
  background: var(--blue);
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  padding: 80px 40px;
}

/* Decorative blue panels (mimicking the original's photo overlays) */
.hero-panel {
  position: absolute;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.06);
  pointer-events: none;
}
.hero-panel--left  { width: 33%; height: 75%; left: 2%;  top: 12%; }
.hero-panel--right { width: 35%; height: 65%; right: 2%; top: 18%; }


.hero-content {
  text-align: center;
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.hero-eyebrow {
  color: var(--pink);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(52px, 16vw, 170px);
  font-weight: 900;
  color: var(--pink);
  line-height: 0.92;
  margin-bottom: 24px;
}

.hero-divider {
  border: none;
  border-top: 2px solid rgba(240, 180, 200, 0.35);
  margin: 24px auto;
  width: 75%;
}

.hero-tagline {
  color: rgba(255, 255, 255, 0.92);
  font-size: 16px;
  font-weight: 500;
  line-height: 1.7;
  margin-bottom: 44px;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-block;
  padding: 16px 44px;
  border-radius: 50px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.1em;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: opacity 0.2s ease, transform 0.15s ease;
}

.btn:hover {
  opacity: 0.88;
  transform: translateY(-2px);
}

.btn-hero {
  background: var(--pink);
  color: var(--blue);
}

.btn-judge {
  background: var(--blue);
  color: var(--white);
  width: 100%;
  padding: 22px;
  font-size: 15px;
  border-radius: 12px;
  letter-spacing: 0.15em;
  margin-top: 12px;
  display: block;
  text-align: center;
  position: relative;
  overflow: hidden;
  animation: judge-pulse 2.4s ease-in-out infinite;
}

@keyframes judge-pulse {
  0%, 100% { box-shadow: 0 4px 24px rgba(28, 28, 245, 0.35); }
  50%       { box-shadow: 0 6px 36px rgba(28, 28, 245, 0.55), 0 0 0 8px rgba(28, 28, 245, 0.08); }
}

.btn-judge::after {
  content: '';
  position: absolute;
  top: -50%;
  left: -60%;
  width: 40%;
  height: 200%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.22), transparent);
  transform: skewX(-20deg);
  animation: judge-shimmer 3s ease-in-out infinite;
}

@keyframes judge-shimmer {
  0%   { left: -60%; }
  100% { left: 130%; }
}

/* ============================================
   CALCULATOR SECTION
   ============================================ */
.calculator-section {
  background: var(--cream);
  padding: 110px 60px;
}

.calculator-grid {
  max-width: 1120px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 80px;
  align-items: start;
}

/* Left info panel */
.step-label {
  display: inline-block;
  border: 1.5px solid var(--blue);
  color: var(--blue);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 20px;
}

.section-title {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(52px, 7.5vw, 88px);
  color: var(--blue);
  line-height: 0.96;
  margin-bottom: 22px;
}

.section-body {
  font-size: 15px;
  line-height: 1.75;
  color: #3a3a3a;
  font-weight: 600;
  margin-bottom: 36px;
}

.trust-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.trust-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 600;
  color: var(--blue);
}

.trust-icon {
  width: 38px;
  height: 38px;
  background: #ece5f8;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
  flex-shrink: 0;
}

/* Right form card */
.calculator-form-wrapper {
  background: var(--white);
  border-radius: 24px;
  border: 2px solid var(--blue);
  padding: 52px 48px;
  box-shadow: var(--card-shadow);
}

.calculator-form {
  display: flex;
  flex-direction: column;
  gap: 34px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--blue);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.form-group input {
  background: rgba(28, 28, 245, 0.03);
  border: 2px solid rgba(28, 28, 245, 0.18);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 30px;
  font-weight: 700;
  color: var(--dark);
  font-family: 'Inter', sans-serif;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
  width: 100%;
}

.form-group input:focus {
  border-color: var(--blue);
  background: rgba(28, 28, 245, 0.06);
  box-shadow: 0 0 0 4px rgba(28, 28, 245, 0.1);
}

.form-group input::placeholder {
  color: #D5D0CC;
  font-weight: 400;
}

.form-hint {
  font-size: 11px;
  color: var(--gray);
  line-height: 1.5;
  margin-top: 4px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 28px;
  align-items: start;
}

.form-group--narrow input {
  width: 130px;
}

/* ---- Housing type pill toggle ---- */
.housing-toggle {
  display: flex;
  border: 2px solid var(--blue);
  border-radius: 50px;
  overflow: hidden;
  width: fit-content;
  margin-bottom: 12px;
}

.housing-toggle__btn {
  padding: 12px 24px;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.08em;
  cursor: pointer;
  border: none;
  background: transparent;
  color: var(--blue);
  transition: background 0.2s ease, color 0.2s ease;
  line-height: 1;
}

.housing-toggle__btn--active {
  background: var(--blue);
  color: var(--white);
}

.housing-toggle__btn:not(.housing-toggle__btn--active):hover {
  background: rgba(28, 28, 245, 0.07);
}

/* ---- Bedroom selector (renter-only) ---- */
.bedroom-select {
  margin-top: 14px;
}

.bedroom-select[hidden] {
  display: none;
}

.bedroom-select__label {
  display: block;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 10px;
}

.bedroom-select__options {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.br-btn {
  padding: 10px 14px;
  border: 1.5px solid var(--blue);
  border-radius: 20px;
  background: transparent;
  color: var(--blue);
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
}

.br-btn--active {
  background: var(--blue);
  color: var(--white);
}

.br-btn:not(.br-btn--active):hover {
  background: rgba(28, 28, 245, 0.07);
}

/* ============================================
   RESULTS SECTION
   ============================================ */
.results-section {
  background: var(--cream);
  padding: 80px 60px 100px;
}

.results-section[hidden] {
  display: none;
}

.results-inner {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 48px;
}

/* ---- Results entrance animations ---- */
@keyframes result-slide-up {
  from { opacity: 0; transform: translateY(32px); }
  to   { opacity: 1; transform: translateY(0); }
}

.results-inner .verdict {
  animation: result-slide-up 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.05s both;
}

.results-inner .result-tests {
  animation: result-slide-up 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.2s both;
}

.results-inner .rent-insight {
  animation: result-slide-up 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.35s both;
}

.results-inner .car-insight {
  animation: result-slide-up 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.35s both;
}

.results-inner .result-stats {
  animation: result-slide-up 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.5s both;
}

/* ---- Loading state ---- */
.results-loading {
  text-align: center;
  padding: 40px 0;
}

.results-loading__icon {
  font-size: 56px;
  animation: loading-bounce 0.9s ease-in-out infinite alternate;
  display: block;
  margin-bottom: 24px;
}

@keyframes loading-bounce {
  from { transform: translateY(0); }
  to   { transform: translateY(-14px); }
}

.results-loading__title {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(36px, 6vw, 56px);
  color: var(--blue);
  margin-bottom: 10px;
}

.results-loading__subtitle {
  font-size: 15px;
  color: var(--gray);
  font-weight: 500;
}

/* ---- Verdict ---- */
.verdict {
  width: 100%;
  border-radius: 24px;
  padding: 52px 48px;
  text-align: center;
  border: 3px solid transparent;
}

.verdict--great {
  background: #e8faf0;
  border-color: #22c55e;
}

.verdict--okay {
  background: #fffbeb;
  border-color: #f59e0b;
}

.verdict--broke {
  background: #fef2f2;
  border-color: #ef4444;
}

.verdict__eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 14px;
  opacity: 0.6;
  color: var(--dark);
}

.verdict__title {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(40px, 12vw, 110px);
  line-height: 0.95;
  margin-bottom: 16px;
}

.verdict--great .verdict__title { color: #16a34a; }
.verdict--okay  .verdict__title { color: #d97706; }
.verdict--broke .verdict__title { color: #dc2626; }

.verdict__tagline {
  font-size: 16px;
  font-weight: 600;
  color: #444;
  line-height: 1.5;
}

/* ---- Test cards ---- */
.result-tests {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.result-test {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border-radius: 14px;
  padding: 20px 24px;
  border: 2px solid transparent;
  box-shadow: var(--card-shadow);
}

.result-test--pass { border-color: #bbf7d0; }
.result-test--fail { border-color: #fecaca; }

.result-test__icon {
  font-size: 22px;
  line-height: 1;
}

.result-test__label {
  font-size: 15px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 2px;
}

.result-test__rule {
  font-size: 12px;
  color: var(--gray);
  font-weight: 500;
}

.result-test__actual {
  font-size: 20px;
  font-weight: 800;
  font-family: 'Inter', sans-serif;
  white-space: nowrap;
}

.result-test__actual--pass { color: #16a34a; }
.result-test__actual--fail { color: #dc2626; }

/* ---- Summary stats ---- */
.result-stats {
  width: 100%;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.stat {
  background: var(--white);
  border-radius: 16px;
  padding: 24px 20px;
  text-align: center;
  box-shadow: var(--card-shadow);
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.stat__label {
  font-size: 11px;
  font-weight: 700;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.stat__value {
  font-size: 22px;
  font-weight: 800;
  color: var(--dark);
}

.stat--positive .stat__value { color: #16a34a; }
.stat--negative .stat__value { color: #dc2626; }

/* ---- Rent insight card + chart ---- */
.rent-insight {
  width: 100%;
  background: #eef2ff;
  border: 2px solid var(--blue);
  border-radius: 16px;
  padding: 28px 32px;
}

.rent-insight__label {
  font-size: 11px;
  font-weight: 700;
  color: var(--blue);
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 20px;
}

/* Chart layout — stacked bars */
.rent-chart {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

/* Each bar row: label | track | amount */
.rent-chart__row {
  display: grid;
  grid-template-columns: 120px 1fr auto;
  align-items: center;
  gap: 14px;
}

.rent-chart__row-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
}

.rent-chart__row-amount {
  font-size: 18px;
  font-weight: 800;
  color: var(--dark);
  min-width: 80px;
  text-align: right;
}

.rent-chart__row-amount--over  { color: #dc2626; }
.rent-chart__row-amount--under { color: #16a34a; }

/* Track */
.rent-chart__track {
  height: 28px;
  background: rgba(28, 28, 245, 0.08);
  border-radius: 14px;
  overflow: hidden;
}

.rent-chart__fill {
  height: 100%;
  border-radius: 14px;
  transition: width 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

.rent-chart__fill--over  { background: #ef4444; }
.rent-chart__fill--under { background: #16a34a; }
.rent-chart__fill--bench { background: var(--blue); opacity: 0.55; }

/* Footer: context label + badge */
.rent-chart__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 2px;
}

.rent-chart__context {
  font-size: 12px;
  font-weight: 600;
  color: var(--gray);
  text-transform: capitalize;
}

.rent-chart__badge {
  font-size: 13px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
  white-space: nowrap;
}

.rent-chart__badge--over  { background: #fee2e2; color: #dc2626; }
.rent-chart__badge--under { background: #dcfce7; color: #16a34a; }

/* ZORI trend line */
.rent-trend {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 13px;
  line-height: 1.5;
  color: var(--dark);
}

.rent-trend--falling { background: #dcfce7; }
.rent-trend--rising  { background: #fef3c7; }
.rent-trend--flat    { background: #f0f4ff; }

.rent-trend__arrow {
  font-size: 18px;
  font-weight: 700;
  flex-shrink: 0;
}

.rent-trend--falling .rent-trend__arrow { color: #16a34a; }
.rent-trend--rising  .rent-trend__arrow { color: #d97706; }
.rent-trend--flat    .rent-trend__arrow { color: var(--gray); }

/* Overpaying nudge */
.rent-nudge {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1.5px dashed rgba(28, 28, 245, 0.2);
}

.rent-nudge__icon {
  font-size: 22px;
  flex-shrink: 0;
  line-height: 1;
}

.rent-nudge__title {
  font-size: 14px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
}

.rent-nudge__text {
  font-size: 13px;
  line-height: 1.65;
  color: var(--gray);
}

/* ---- Car payment insight card ---- */
.car-insight {
  background: #fff;
  border: 2px solid rgba(28, 28, 245, 0.12);
  border-radius: 16px;
  padding: 28px 28px 24px;
  margin-top: 24px;
}

.car-insight__label {
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 20px;
}

.car-chart {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.car-chart__row {
  display: grid;
  grid-template-columns: 120px 1fr auto;
  align-items: center;
  gap: 12px;
}

.car-chart__row-label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--gray);
}

.car-chart__track {
  height: 22px;
  background: rgba(28, 28, 245, 0.08);
  border-radius: 11px;
  overflow: hidden;
}

.car-chart__fill {
  height: 100%;
  border-radius: 11px;
  transition: width 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

.car-chart__fill--over  { background: #dc2626; }
.car-chart__fill--bench { background: var(--blue); opacity: 0.7; }

.car-chart__row-amount {
  font-size: 15px;
  font-weight: 800;
  min-width: 60px;
  text-align: right;
}

.car-chart__row-amount--over { color: #dc2626; }

.car-chart__footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 6px;
}

.car-chart__context {
  font-size: 12px;
  color: var(--gray);
  font-weight: 600;
}

.car-chart__badge {
  font-size: 12px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
  white-space: nowrap;
}

.car-chart__badge--over { background: #fee2e2; color: #dc2626; }

.car-nudge {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1.5px dashed rgba(28, 28, 245, 0.2);
}

.car-nudge__icon {
  font-size: 22px;
  flex-shrink: 0;
  line-height: 1;
}

.car-nudge__title {
  font-size: 14px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
}

.car-nudge__text {
  font-size: 13px;
  line-height: 1.65;
  color: var(--gray);
}

/* ---- Next Steps action paths ---- */
.next-steps {
  margin-top: 48px;
  padding-top: 40px;
  border-top: 2px solid rgba(28, 28, 245, 0.08);
  text-align: center;
}

.next-steps__title {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(32px, 5vw, 48px);
  color: var(--blue);
  margin: 12px 0 8px;
}

.next-steps__subtitle {
  font-size: 15px;
  color: var(--gray);
  margin-bottom: 32px;
}

.next-steps__cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
  text-align: left;
}

.action-card {
  background: var(--white);
  border-radius: 16px;
  padding: 28px 28px 24px;
  border: 2px solid rgba(28, 28, 245, 0.10);
  border-top: 5px solid var(--blue);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.action-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(0, 0, 0, 0.09);
}

.action-card--housing { border-top-color: var(--blue); }
.action-card--car     { border-top-color: #f59e0b; }
.action-card--debt    { border-top-color: #ef4444; }
.action-card--budget  { border-top-color: #8b5cf6; }
.action-card--wealth  { border-top-color: #16a34a; }

.action-card__header {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.action-card__icon {
  font-size: 28px;
  flex-shrink: 0;
  line-height: 1.2;
}

.action-card__title {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
}

.action-card__subtitle {
  font-size: 13px;
  color: var(--gray);
  margin-top: 4px;
}

.action-card__tips {
  list-style: none;
  margin: 18px 0;
  padding: 0;
}

.action-card__tips li {
  font-size: 13px;
  line-height: 1.65;
  color: var(--gray);
  padding: 5px 0 5px 24px;
  position: relative;
}

.action-card__tips li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--blue);
  font-weight: 700;
}

.action-card__resource {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(28, 28, 245, 0.04);
  border: 1.5px solid rgba(28, 28, 245, 0.12);
  border-radius: 10px;
  padding: 14px 16px;
  text-decoration: none;
  color: var(--dark);
  transition: background 0.2s, border-color 0.2s;
}

.action-card__resource:hover {
  background: rgba(28, 28, 245, 0.08);
  border-color: var(--blue);
}

.action-card__resource-icon {
  font-size: 22px;
  flex-shrink: 0;
}

.action-card__resource-title {
  font-size: 13px;
  font-weight: 700;
}

.action-card__resource-desc {
  font-size: 12px;
  color: var(--gray);
  margin-top: 2px;
}

.action-card__resource-cta {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--blue);
  white-space: nowrap;
  margin-left: auto;
}

@media (max-width: 600px) {
  .results-section    { padding: 60px 24px; }
  .verdict            { padding: 36px 24px; }
  .result-stats       { grid-template-columns: 1fr; }
  .result-test        { grid-template-columns: auto 1fr auto; gap: 12px; }
  .action-card__resource { flex-direction: column; text-align: center; gap: 8px; }
  .action-card__resource-cta { margin-left: 0; }
  .hero-badge         { display: none; }
  .hero-panel--left,
  .hero-panel--right  { display: none; }
  .why-section        { padding: 70px 24px; }
  .why-card           { padding: 28px 22px; }
}

/* Bar charts: stack label+amount on top, full-width bar below */
@media (max-width: 500px) {
  .rent-chart__row,
  .car-chart__row {
    grid-template-columns: 1fr auto;
    gap: 4px 8px;
  }

  .rent-chart__row-label,
  .car-chart__row-label  { grid-row: 1; grid-column: 1; }

  .rent-chart__row-amount,
  .car-chart__row-amount { grid-row: 1; grid-column: 2; font-size: 15px; min-width: unset; }

  .rent-chart__track,
  .car-chart__track      { grid-row: 2; grid-column: 1 / -1; }
}

/* ============================================
   WHY IT MATTERS
   ============================================ */
.why-section {
  background: var(--cream);
  padding: 110px 60px;
  text-align: center;
}

.why-title {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(42px, 6vw, 68px);
  color: var(--blue);
  margin-bottom: 18px;
}

.why-accent {
  width: 64px;
  height: 4px;
  background: var(--pink);
  border-radius: 2px;
  margin: 0 auto 64px;
}

.why-grid {
  max-width: 1120px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.why-card {
  background: var(--white);
  border-radius: 20px;
  padding: 44px 34px;
  text-align: left;
  box-shadow: var(--card-shadow);
  border-top: 5px solid transparent;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.11);
}

/* Per-card accent colours */
.why-card--housing { border-top-color: var(--blue); }
.why-card--debt    { border-top-color: #ef4444; }
.why-card--cash    { border-top-color: #16a34a; }

.why-icon {
  width: 54px;
  height: 54px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 26px;
}

/* Per-card icon tints */
.why-card--housing .why-icon { background: #e0e0ff; }
.why-card--debt    .why-icon { background: #fee2e2; }
.why-card--cash    .why-icon { background: #dcfce7; }

.why-card h3 {
  color: var(--blue);
  font-size: 19px;
  font-weight: 700;
  margin-bottom: 12px;
}

.why-card p {
  font-size: 14px;
  line-height: 1.75;
  color: #555;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--blue);
  padding: 52px 60px;
}

.footer-inner {
  max-width: 1120px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto;
  row-gap: 20px;
}

.footer-logo {
  color: var(--white);
  font-family: 'Bebas Neue', sans-serif;
  font-size: 26px;
  letter-spacing: 0.1em;
  align-self: end;
}

.footer-disclaimer {
  color: rgba(255, 255, 255, 0.65);
  font-size: 12px;
  line-height: 1.6;
  text-align: right;
  align-self: end;
}

.footer-nav {
  display: flex;
  align-items: center;
  gap: 14px;
  grid-column: 1 / -1;
  justify-content: center;
  padding-top: 8px;
  border-top: 1px solid rgba(255,255,255,0.15);
}

.footer-nav a {
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  font-size: 13px;
  font-weight: 500;
  transition: color 0.2s;
}

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

.footer-nav .dot {
  color: rgba(255, 255, 255, 0.35);
  font-size: 10px;
}

/* ============================================
   SECONDARY PAGES (About, Contact, Privacy)
   ============================================ */
.page-nav {
  background: var(--blue);
  padding: 16px 40px;
  display: flex;
  align-items: center;
}

.page-nav__back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--pink);
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-decoration: none;
  text-transform: uppercase;
  opacity: 0.85;
  transition: opacity 0.18s ease;
}

.page-nav__back:hover { opacity: 1; }

.page-hero {
  background: var(--blue);
  padding: 60px 60px 80px;
  text-align: center;
}

.page-hero h1 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: clamp(52px, 8vw, 96px);
  color: var(--pink);
  line-height: 1;
}

.page-hero p {
  color: rgba(255,255,255,0.85);
  font-size: 16px;
  margin-top: 16px;
}

.page-content {
  max-width: 780px;
  margin: 0 auto;
  padding: 80px 40px;
}

.page-content h2 {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 36px;
  color: var(--blue);
  margin: 40px 0 12px;
}

.page-content p,
.page-content li {
  font-size: 15px;
  line-height: 1.8;
  color: #444;
  margin-bottom: 12px;
}

.page-content ul {
  padding-left: 20px;
  margin-bottom: 12px;
}

/* Contact form */
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 40px;
}

.contact-form label {
  font-size: 12px;
  font-weight: 700;
  color: var(--blue);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  background: var(--white);
  border: 2px solid rgba(28, 28, 245, 0.2);
  border-radius: 10px;
  padding: 14px 16px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  color: var(--dark);
  outline: none;
  transition: border-color 0.2s;
}

.contact-form input:focus,
.contact-form textarea:focus {
  border-color: var(--blue);
}

.contact-form textarea {
  min-height: 140px;
  resize: vertical;
}

.btn-submit {
  background: var(--blue);
  color: var(--white);
  padding: 16px 40px;
  border-radius: 50px;
  font-size: 14px;
  letter-spacing: 0.1em;
  align-self: flex-start;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 900px) {
  .calculator-section { padding: 70px 24px; }
  .calculator-grid    { grid-template-columns: 1fr; gap: 44px; }
  .why-section        { padding: 70px 24px; }
  .why-grid           { grid-template-columns: 1fr; }
  .footer             { padding: 44px 24px; }
  .footer-inner       { grid-template-columns: 1fr; }
  .footer-disclaimer  { text-align: left; }
  .results-section    { padding: 60px 24px; }
}

@media (max-width: 600px) {
  .calculator-form-wrapper { padding: 32px 24px; }
  .hero { padding: 80px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .form-group--narrow input { width: 100%; }
  .page-hero { padding: 80px 24px 60px; }
  .page-content { padding: 60px 24px; }
}