/* ============================================
   SmartWealth AI — Global Styles
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* ---- Design Tokens ---- */
:root {
  --primary: #1D4ED8;
  --primary-dark: #1E3A8A;
  --primary-light: #3B82F6;
  --emerald: #059669;
  --emerald-light: #10B981;
  --gold: #D97706;
  --gold-light: #F59E0B;
  --purple: #7C3AED;
  --red: #DC2626;

  --dark: #0F172A;
  --gray-800: #1E293B;
  --gray-700: #334155;
  --gray-600: #475569;
  --gray-500: #64748B;
  --gray-400: #94A3B8;
  --gray-300: #CBD5E1;
  --gray-200: #E2E8F0;
  --gray-100: #F1F5F9;
  --gray-50: #F8FAFC;
  --white: #FFFFFF;

  --bg: #F0F4FF;
  --card-bg: #FFFFFF;

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-xs: 0 1px 2px rgba(15,23,42,0.04);
  --shadow-sm: 0 2px 4px rgba(15,23,42,0.06), 0 1px 2px rgba(15,23,42,0.04);
  --shadow: 0 4px 12px rgba(15,23,42,0.08), 0 2px 4px rgba(15,23,42,0.04);
  --shadow-md: 0 8px 24px rgba(15,23,42,0.10), 0 2px 8px rgba(15,23,42,0.05);
  --shadow-lg: 0 16px 40px rgba(15,23,42,0.12), 0 4px 12px rgba(15,23,42,0.06);
  --shadow-xl: 0 24px 60px rgba(15,23,42,0.16), 0 8px 20px rgba(15,23,42,0.08);

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-2xl: 32px;

  --transition: 0.2s ease;
  --transition-slow: 0.35s ease;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--white);
  color: var(--dark);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); border: none; background: none; }
input, select, textarea { font-family: var(--font); }

/* ---- Layout ---- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-wide {
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 80px 0; }
.section-sm { padding: 60px 0; }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
  background: rgba(29,78,216,0.08);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-title {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--dark);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 18px;
  color: var(--gray-600);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ---- Typography ---- */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

.text-gradient {
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--emerald-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
  border: 2px solid transparent;
}

.btn-sm { padding: 8px 16px; font-size: 13px; border-radius: var(--radius-sm); }
.btn-lg { padding: 16px 32px; font-size: 16px; border-radius: var(--radius-lg); }
.btn-xl { padding: 18px 40px; font-size: 17px; border-radius: var(--radius-lg); }

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(29,78,216,0.35);
}
.btn-primary:hover {
  background: var(--primary-dark);
  box-shadow: 0 6px 20px rgba(29,78,216,0.45);
  transform: translateY(-1px);
}

.btn-emerald {
  background: var(--emerald);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(5,150,105,0.35);
}
.btn-emerald:hover {
  background: #047857;
  box-shadow: 0 6px 20px rgba(5,150,105,0.45);
  transform: translateY(-1px);
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(215,119,6,0.35);
}
.btn-gold:hover {
  background: #B45309;
  box-shadow: 0 6px 20px rgba(215,119,6,0.45);
  transform: translateY(-1px);
}

.btn-outline {
  border-color: var(--gray-300);
  color: var(--gray-700);
  background: var(--white);
}
.btn-outline:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: rgba(29,78,216,0.04);
}

.btn-outline-white {
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
}
.btn-outline-white:hover {
  border-color: rgba(255,255,255,0.8);
  background: rgba(255,255,255,0.15);
}

.btn-ghost {
  color: var(--primary);
  padding-left: 0;
  padding-right: 0;
}
.btn-ghost:hover { opacity: 0.75; }

/* ---- Cards ---- */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: all var(--transition-slow);
}
.card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gray-300);
  transform: translateY(-2px);
}

/* ---- Badges ---- */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
}

.badge-primary { background: rgba(29,78,216,0.1); color: var(--primary); }
.badge-emerald { background: rgba(5,150,105,0.1); color: var(--emerald); }
.badge-gold { background: rgba(215,119,6,0.1); color: var(--gold); }
.badge-purple { background: rgba(124,58,237,0.1); color: var(--purple); }
.badge-red { background: rgba(220,38,38,0.1); color: var(--red); }

/* ---- Forms ---- */
.form-group { margin-bottom: 20px; }

.form-label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 8px;
}

.form-input, .form-select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 15px;
  color: var(--dark);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}

.form-input:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(29,78,216,0.12);
}

.form-input::placeholder { color: var(--gray-400); }

/* ---- Navigation ---- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: all var(--transition-slow);
}

.nav.scrolled {
  border-bottom-color: var(--gray-200);
  box-shadow: var(--shadow-sm);
}

.nav-inner {
  display: flex;
  align-items: center;
  height: 68px;
  gap: 0;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 20px;
  font-weight: 800;
  color: var(--dark);
  letter-spacing: -0.03em;
  text-decoration: none;
  margin-right: auto;
  flex-shrink: 0;
}

.nav-logo-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--emerald) 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 18px;
  flex-shrink: 0;
}

.nav-logo span { color: var(--primary); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-link {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-600);
  transition: all var(--transition);
}
.nav-link:hover {
  color: var(--dark);
  background: var(--gray-100);
}
.nav-link.active { color: var(--primary); }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-left: 16px;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: all var(--transition);
}

.nav-mobile {
  display: none;
  position: fixed;
  top: 68px;
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 16px 24px 24px;
  z-index: 999;
  box-shadow: var(--shadow-lg);
}

.nav-mobile.open { display: block; }

.nav-mobile .nav-link {
  display: block;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 16px;
}

.nav-mobile .btn { width: 100%; margin-top: 12px; justify-content: center; }

/* ---- Hero ---- */
.hero {
  min-height: 100vh;
  background: linear-gradient(155deg, #0A0F2E 0%, #0F1E5C 35%, #0E3D7C 65%, #084D3F 100%);
  display: flex;
  align-items: center;
  padding-top: 68px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 40%, rgba(59,130,246,0.18) 0%, transparent 60%),
    radial-gradient(ellipse 40% 40% at 30% 70%, rgba(16,185,129,0.12) 0%, transparent 60%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 64px;
  padding: 80px 0 80px;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
  padding: 7px 16px;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}

.hero-eyebrow-dot {
  width: 7px;
  height: 7px;
  background: var(--emerald-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.85); }
}

.hero-title {
  font-size: clamp(38px, 5vw, 64px);
  font-weight: 900;
  color: var(--white);
  line-height: 1.08;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
}

.hero-title .accent {
  background: linear-gradient(90deg, #60A5FA 0%, #34D399 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.72);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-ctas {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 52px;
}

.hero-stats {
  display: flex;
  gap: 32px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.12);
}

.hero-stat {}

.hero-stat-value {
  font-size: 26px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
}

/* Hero Dashboard Visual */
.hero-visual {
  position: relative;
}

.dashboard-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 28px;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}

.dashboard-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 24px;
}

.dashboard-label {
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 4px;
}

.dashboard-value {
  font-size: 34px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}

.dashboard-change {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(16,185,129,0.15);
  color: #34D399;
  padding: 5px 10px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 600;
}

.dashboard-chart {
  margin: 0 -4px 20px;
}

.dashboard-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.metric-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 14px;
}

.metric-label {
  font-size: 11px;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 6px;
}

.metric-value {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
}

.metric-sub {
  font-size: 11px;
  color: #34D399;
  margin-top: 2px;
}

/* Floating badges on hero visual */
.hero-badge-float {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 12px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 10px;
  animation: float 4s ease-in-out infinite;
}

.hero-badge-float:nth-child(2) { animation-delay: -2s; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.hero-badge-float.badge-left {
  left: -48px;
  top: 40%;
}

.hero-badge-float.badge-bottom {
  right: -24px;
  bottom: 20%;
}

.badge-float-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.badge-float-text {}
.badge-float-label { font-size: 11px; color: var(--gray-500); }
.badge-float-value { font-size: 15px; font-weight: 700; color: var(--dark); }

/* ---- Stats Bar ---- */
.stats-bar {
  background: var(--dark);
  padding: 28px 0;
}

.stats-bar-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.stats-bar-item {
  text-align: center;
  padding: 16px 24px;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.stats-bar-item:last-child { border-right: none; }

.stats-bar-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1;
  margin-bottom: 6px;
}

.stats-bar-value.emerald { color: var(--emerald-light); }
.stats-bar-value.gold { color: var(--gold-light); }
.stats-bar-value.blue { color: #60A5FA; }

.stats-bar-label {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
}

/* ---- Tools Grid ---- */
.tools-section { background: var(--gray-50); }

.tools-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.tool-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-slow);
  position: relative;
  overflow: hidden;
}

.tool-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gradient, linear-gradient(90deg, var(--primary), var(--emerald)));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition-slow);
}

.tool-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}

.tool-card:hover::after { transform: scaleX(1); }

.tool-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  margin-bottom: 20px;
}

.tool-icon.blue { background: rgba(29,78,216,0.1); }
.tool-icon.emerald { background: rgba(5,150,105,0.1); }
.tool-icon.gold { background: rgba(215,119,6,0.1); }
.tool-icon.purple { background: rgba(124,58,237,0.1); }
.tool-icon.red { background: rgba(220,38,38,0.1); }
.tool-icon.cyan { background: rgba(6,182,212,0.1); }

.tool-name {
  font-size: 19px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}

.tool-desc {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 24px;
}

.tool-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
  transition: gap var(--transition);
}
.tool-link:hover { gap: 10px; }

/* ---- How It Works ---- */
.hiw-section { background: var(--white); }

.hiw-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.hiw-step {
  text-align: center;
}

.hiw-number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: var(--white);
  font-size: 24px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  box-shadow: 0 8px 20px rgba(29,78,216,0.3);
}

.hiw-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 12px;
}

.hiw-desc {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ---- Categories ---- */
.categories-section { background: var(--gray-50); }

.categories-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.category-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  border: 1px solid var(--gray-200);
  transition: all var(--transition-slow);
  display: block;
  text-align: center;
}

.category-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.category-icon {
  font-size: 36px;
  margin-bottom: 14px;
  display: block;
}

.category-name {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 6px;
}

.category-count {
  font-size: 12px;
  color: var(--gray-500);
}

/* ---- Articles ---- */
.articles-section { background: var(--white); }

.articles-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.article-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: all var(--transition-slow);
}

.article-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}

.article-thumb {
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 56px;
  position: relative;
  overflow: hidden;
}

.article-body { padding: 24px; }

.article-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}

.article-category {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.article-read-time {
  font-size: 12px;
  color: var(--gray-500);
}

.article-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  line-height: 1.4;
  margin-bottom: 12px;
}

.article-excerpt {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 20px;
}

.article-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  border-top: 1px solid var(--gray-100);
}

.article-author {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-600);
}

.author-avatar {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

/* ---- AI Coach Preview ---- */
.ai-coach-section {
  background: linear-gradient(155deg, #0A0F2E 0%, #0F1E5C 50%, #084D3F 100%);
  padding: 80px 0;
}

.ai-coach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.ai-coach-content {}

.ai-coach-title {
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 20px;
  line-height: 1.15;
}

.ai-coach-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.65);
  line-height: 1.75;
  margin-bottom: 36px;
}

.ai-features {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 40px;
}

.ai-feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.ai-feature-icon {
  width: 36px;
  height: 36px;
  background: rgba(16,185,129,0.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

.ai-feature-text {}
.ai-feature-title { font-size: 15px; font-weight: 600; color: var(--white); margin-bottom: 2px; }
.ai-feature-desc { font-size: 13px; color: rgba(255,255,255,0.5); }

/* Chat UI */
.chat-widget {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  overflow: hidden;
  backdrop-filter: blur(20px);
}

.chat-header {
  padding: 16px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  gap: 10px;
}

.chat-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--emerald));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
}

.chat-name { font-size: 14px; font-weight: 600; color: var(--white); }
.chat-status {
  font-size: 11px;
  color: var(--emerald-light);
  display: flex;
  align-items: center;
  gap: 4px;
}
.chat-status::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--emerald-light);
  display: inline-block;
}

.chat-messages {
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-height: 320px;
  max-height: 380px;
  overflow-y: auto;
}

.chat-msg {
  display: flex;
  gap: 10px;
  max-width: 85%;
}

.chat-msg.user {
  align-self: flex-end;
  flex-direction: row-reverse;
}

.chat-msg-avatar {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
  align-self: flex-end;
}

.chat-msg-avatar.ai { background: linear-gradient(135deg, var(--primary), var(--emerald)); }
.chat-msg-avatar.user-av { background: rgba(255,255,255,0.15); color: var(--white); }

.chat-bubble {
  padding: 12px 16px;
  border-radius: 16px;
  font-size: 14px;
  line-height: 1.5;
}

.chat-msg.ai .chat-bubble {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.9);
  border-bottom-left-radius: 4px;
}

.chat-msg.user .chat-bubble {
  background: var(--primary);
  color: var(--white);
  border-bottom-right-radius: 4px;
}

.chat-input-row {
  padding: 16px 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  gap: 10px;
}

.chat-input {
  flex: 1;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 10px 16px;
  font-size: 14px;
  color: var(--white);
  outline: none;
  transition: all var(--transition);
}

.chat-input::placeholder { color: rgba(255,255,255,0.4); }
.chat-input:focus { border-color: rgba(255,255,255,0.35); background: rgba(255,255,255,0.12); }

.chat-send-btn {
  width: 40px;
  height: 40px;
  border-radius: var(--radius);
  background: var(--primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
}
.chat-send-btn:hover { background: var(--primary-dark); transform: scale(1.05); }

/* ---- Resources ---- */
.resources-section { background: var(--gray-50); }

.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.resource-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--gray-200);
  display: flex;
  align-items: center;
  gap: 20px;
  transition: all var(--transition-slow);
}

.resource-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
  transform: translateX(4px);
}

.resource-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  flex-shrink: 0;
}

.resource-body { flex: 1; min-width: 0; }
.resource-name { font-size: 15px; font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.resource-desc { font-size: 13px; color: var(--gray-500); line-height: 1.4; }

.resource-dl-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: var(--gray-100);
  color: var(--gray-600);
  font-size: 14px;
  transition: all var(--transition);
  flex-shrink: 0;
  cursor: pointer;
  border: none;
}
.resource-dl-btn:hover { background: var(--primary); color: var(--white); }

/* ---- Testimonials ---- */
.testimonials-section { background: var(--white); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--gray-50);
  border-radius: var(--radius-xl);
  padding: 32px;
  border: 1px solid var(--gray-200);
  transition: all var(--transition-slow);
}

.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
  font-size: 15px;
}

.testimonial-quote {
  font-size: 16px;
  color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.testimonial-name { font-size: 15px; font-weight: 700; color: var(--dark); }
.testimonial-role { font-size: 13px; color: var(--gray-500); }

.testimonial-result {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(5,150,105,0.1);
  color: var(--emerald);
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  margin-top: 6px;
}

/* ---- Newsletter ---- */
.newsletter-section {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 80px 0;
}

.newsletter-inner {
  text-align: center;
  max-width: 560px;
  margin: 0 auto;
}

.newsletter-title {
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}

.newsletter-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 36px;
  line-height: 1.65;
}

.newsletter-form {
  display: flex;
  gap: 10px;
  max-width: 480px;
  margin: 0 auto 16px;
}

.newsletter-input {
  flex: 1;
  padding: 14px 20px;
  border-radius: var(--radius);
  border: none;
  font-size: 15px;
  outline: none;
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(8px);
}

.newsletter-input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-input:focus { border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.18); }

.newsletter-note {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
}

/* ---- Footer ---- */
.footer {
  background: var(--dark);
  padding: 64px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-brand {}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}

.footer-logo-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--primary), var(--emerald));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 18px;
}

.footer-logo-text {
  font-size: 19px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}

.footer-logo-text span { color: var(--primary-light); }

.footer-desc {
  font-size: 14px;
  color: rgba(255,255,255,0.45);
  line-height: 1.75;
  max-width: 280px;
  margin-bottom: 24px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-btn {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.5);
  font-size: 14px;
  transition: all var(--transition);
  cursor: pointer;
  text-decoration: none;
  border: 1px solid rgba(255,255,255,0.08);
}

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

.footer-col-title {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-link {
  font-size: 14px;
  color: rgba(255,255,255,0.45);
  transition: color var(--transition);
}
.footer-link:hover { color: rgba(255,255,255,0.85); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-copyright {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
}

.footer-legal {
  display: flex;
  gap: 20px;
}

.footer-legal a {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  transition: color var(--transition);
}
.footer-legal a:hover { color: rgba(255,255,255,0.65); }

/* ---- Utility Classes ---- */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }
.text-primary { color: var(--primary); }
.text-emerald { color: var(--emerald); }
.text-gold { color: var(--gold); }
.text-gray { color: var(--gray-500); }
.text-white { color: var(--white); }
.text-dark { color: var(--dark); }
.font-bold { font-weight: 700; }
.font-800 { font-weight: 800; }
.mt-4 { margin-top: 4px; }
.mt-8 { margin-top: 8px; }
.mt-12 { margin-top: 12px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.gap-8 { gap: 8px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.hidden { display: none; }

/* Scroll animations */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }
.fade-up:nth-child(4) { transition-delay: 0.3s; }
.fade-up:nth-child(5) { transition-delay: 0.4s; }
.fade-up:nth-child(6) { transition-delay: 0.5s; }

/* ---- Calculator Styles ---- */
.calc-page { background: var(--gray-50); min-height: 100vh; padding-top: 68px; }
.calc-hero { background: var(--dark); padding: 60px 0; }
.calc-hero-title { font-size: 40px; font-weight: 800; color: var(--white); letter-spacing: -0.02em; margin-bottom: 12px; }
.calc-hero-sub { font-size: 17px; color: rgba(255,255,255,0.6); max-width: 560px; }

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  padding: 48px 0;
}

.calc-panel {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}

.calc-panel-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
}

.calc-result-value {
  font-size: 40px;
  font-weight: 900;
  color: var(--primary);
  letter-spacing: -0.02em;
  line-height: 1;
}

.calc-result-label {
  font-size: 14px;
  color: var(--gray-500);
  margin-top: 6px;
  margin-bottom: 28px;
}

.result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.result-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
}
.result-row:last-child { border-bottom: none; }

.result-row-label { font-size: 14px; color: var(--gray-600); }
.result-row-value { font-size: 16px; font-weight: 700; color: var(--dark); }
.result-row-value.positive { color: var(--emerald); }
.result-row-value.negative { color: var(--red); }

.calc-chart-container { margin: 24px 0; }

/* ---- Tool Page Styles ---- */
.tool-page { background: var(--gray-50); min-height: 100vh; padding-top: 68px; }

.tool-hero {
  background: linear-gradient(155deg, #0A0F2E 0%, #0F1E5C 60%, #084D3F 100%);
  padding: 60px 0;
}

.tool-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  padding: 48px 0;
}

.tool-panel {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}

.progress-bar-wrap {
  background: var(--gray-100);
  border-radius: 100px;
  height: 10px;
  margin-top: 6px;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  border-radius: 100px;
  transition: width 0.6s ease;
}

/* FAQ */
.faq-section { background: var(--gray-50); padding: 64px 0; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  width: 100%;
  text-align: left;
  padding: 20px 0;
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  background: none;
  border: none;
  font-family: var(--font);
}

.faq-icon { font-size: 18px; color: var(--gray-500); transition: transform var(--transition); flex-shrink: 0; }
.faq-item.open .faq-icon { transform: rotate(45deg); color: var(--primary); }
.faq-answer { font-size: 15px; color: var(--gray-600); line-height: 1.75; padding-bottom: 20px; display: none; }
.faq-item.open .faq-answer { display: block; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; text-align: center; }
  .hero-visual { display: none; }
  .hero-ctas { justify-content: center; }
  .hero-stats { justify-content: center; }
  .tools-grid { grid-template-columns: repeat(2, 1fr); }
  .categories-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .ai-coach-grid { grid-template-columns: 1fr; gap: 40px; }
  .calc-layout, .tool-layout { grid-template-columns: 1fr; }
  .stats-bar-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-links, .nav-actions .btn-outline { display: none; }
  .nav-toggle { display: flex; }
  .section { padding: 56px 0; }
  .tools-grid { grid-template-columns: 1fr; }
  .hiw-grid { grid-template-columns: 1fr; gap: 32px; }
  .articles-grid { grid-template-columns: 1fr; }
  .resources-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .categories-grid { grid-template-columns: repeat(2, 1fr); }
  .newsletter-form { flex-direction: column; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .stats-bar-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-stats { flex-wrap: wrap; gap: 20px; }
  .dashboard-metrics { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .categories-grid { grid-template-columns: 1fr 1fr; }
  .stats-bar-grid { grid-template-columns: 1fr 1fr; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .btn-xl { padding: 14px 24px; font-size: 15px; }
}