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

:root {
  --blue-deep: #0a1f6e;
  --blue-mid: #1a46c8;
  --blue-bright: #3b82f6;
  --blue-glow: #60a5fa;
  --green-accent: #22c55e;
  --white: #ffffff;
  --text-muted: rgba(255, 255, 255, 0.72);
  --font-display: "Outfit", sans-serif;
  --font-body: "DM Sans", sans-serif;
}

body {
  font-family: var(--font-body);
  background: linear-gradient(180deg, #081c58 0%, #051040 100%);
  color: var(--white);
  line-height: 1.65;
  min-height: 100vh;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 5vw;
  background: rgba(8, 28, 88, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
}

.brand img {
  border-radius: 10px;
}

.site-header nav {
  display: flex;
  gap: 1.75rem;
}

.site-header nav a {
  font-size: 0.92rem;
  font-weight: 500;
  opacity: 0.85;
  transition: opacity 0.2s, color 0.2s;
}

.site-header nav a:hover,
.site-header nav a[aria-current="page"] {
  opacity: 1;
  color: var(--blue-glow);
}

.nav-toggle {
  display: none;
}

.nav-toggle-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle-btn span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

/* Page Hero */
.page-hero {
  text-align: center;
  padding: 4.5rem 5vw 3rem;
}

.kicker {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue-glow);
  margin-bottom: 1rem;
}

.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 1rem;
}

.subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 580px;
  margin: 0 auto;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  text-align: center;
  margin-bottom: 2.5rem;
}

/* Terms Grid */
.terms-grid {
  padding: 3rem 5vw 4rem;
}

.cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  max-width: 960px;
  margin: 0 auto;
}

.term-card {
  padding: 2rem;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(96, 165, 250, 0.2);
  transition: border-color 0.25s, transform 0.25s;
}

.term-card:hover {
  border-color: rgba(96, 165, 250, 0.45);
  transform: translateY(-3px);
}

.term-card .label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-glow);
  margin-bottom: 0.5rem;
}

.term-card strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 0.65rem;
  color: var(--green-accent);
}

.term-card p {
  font-size: 0.92rem;
  color: var(--text-muted);
}

/* Example Calculation */
.example {
  padding: 4rem 5vw;
  background: rgba(0, 0, 0, 0.18);
}

.example-inner {
  max-width: 820px;
  margin: 0 auto;
}

.example h2 {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.5vw, 1.85rem);
  margin-bottom: 1rem;
  text-align: center;
}

.example-intro {
  text-align: center;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.example-intro strong {
  color: var(--white);
}

.calc-table-wrap {
  overflow-x: auto;
  margin-bottom: 1.5rem;
  border-radius: 16px;
  border: 1px solid rgba(96, 165, 250, 0.2);
}

.calc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.calc-table th,
.calc-table td {
  padding: 1rem 1.25rem;
  text-align: left;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.calc-table thead {
  background: rgba(26, 70, 200, 0.35);
}

.calc-table th {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.calc-table td:last-child {
  font-weight: 600;
  color: var(--blue-glow);
  white-space: nowrap;
}

.calc-table .total-row {
  background: rgba(34, 197, 94, 0.12);
}

.calc-table .total-row td {
  font-weight: 700;
  color: var(--green-accent);
  border-bottom: none;
}

.note {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
  padding-left: 1rem;
  border-left: 3px solid var(--blue-bright);
}

.disclaimer {
  padding: 1.25rem 1.5rem;
  border-radius: 12px;
  background: rgba(234, 179, 8, 0.12);
  border: 1px solid rgba(234, 179, 8, 0.3);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
}

.disclaimer strong {
  color: #fbbf24;
}

/* Requirements */
.requirements {
  padding: 4rem 5vw;
}

.req-list {
  list-style: none;
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.req-list li {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1.5rem;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.req-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.req-list strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.05rem;
  margin-bottom: 0.25rem;
}

.req-list p {
  font-size: 0.92rem;
  color: var(--text-muted);
}

/* Process */
.process {
  padding: 4rem 5vw 5rem;
  background: rgba(0, 0, 0, 0.12);
}

.process-steps {
  list-style: none;
  max-width: 680px;
  margin: 0 auto;
  counter-reset: step;
}

.process-steps li {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
}

.process-steps li:last-child {
  border-bottom: none;
}

.step-num {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-bright), var(--blue-mid));
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
}

.process-steps strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.05rem;
  margin-bottom: 0.25rem;
}

.process-steps p {
  font-size: 0.9rem;
  color: var(--text-muted);
}

/* Footer */
.site-footer {
  padding: 2.5rem 5vw;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(0, 0, 0, 0.25);
}

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

.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-display);
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.footer-tag {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}

.footer-copy {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
}

@media (max-width: 720px) {
  .cards {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .nav-toggle-btn {
    display: flex;
  }

  .site-header nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    background: rgba(8, 28, 88, 0.98);
    padding: 0;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
  }

  .site-header nav a {
    padding: 1rem 5vw;
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  }

  .nav-toggle:checked ~ nav {
    max-height: 280px;
  }

  .nav-toggle:checked + .nav-toggle-btn span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .nav-toggle:checked + .nav-toggle-btn span:nth-child(2) {
    opacity: 0;
  }

  .nav-toggle:checked + .nav-toggle-btn span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .calc-table th,
  .calc-table td {
    padding: 0.75rem;
    font-size: 0.82rem;
  }
}