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

:root {
  --primary: #F57F17;
  --primary-light: #FFB300;
  --primary-dark: #E65100;
  --accent: #6A1B9A;
  --accent-light: #9C27B0;
  --accent-dark: #4A148C;
  --bg: #FFFDF7;
  --bg-alt: #FFF8E1;
  --text: #2D2D2D;
  --text-light: #5F5F5F;
  --white: #FFFFFF;
  --shadow: 0 4px 20px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 32px rgba(0,0,0,0.14);
  --radius: 16px;
  --pill: 50px;
  --transition: 0.3s ease;
  --max-width: 1200px;
}

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

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

body {
  font-family: 'Montserrat', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  overflow-x: hidden;
}

a {
  color: var(--accent);
  text-decoration: none;
  transition: color var(--transition);
}

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

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

h1, h2, h3, h4 {
  line-height: 1.3;
  font-weight: 700;
}

h1 { font-size: 2.2rem; }
h2 { font-size: 1.7rem; margin-bottom: 1rem; }
h3 { font-size: 1.3rem; margin-bottom: 0.8rem; }

p { margin-bottom: 1rem; }

ul, ol {
  margin: 0 0 1rem 1.5rem;
}

li {
  margin-bottom: 0.4rem;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* ===== HEADER / NAV ===== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition);
}

.header.scrolled {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 8px;
}

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

.header.scrolled .logo {
  color: var(--primary);
}

.nav-links {
  display: flex;
  gap: 24px;
  list-style: none;
  margin: 0;
}

.nav-links a {
  color: var(--white);
  font-weight: 500;
  font-size: 0.95rem;
  transition: color var(--transition);
  text-decoration: none;
}

.header.scrolled .nav-links a {
  color: var(--text);
}

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

.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 5px;
}

.burger span {
  width: 28px;
  height: 3px;
  background: var(--white);
  border-radius: 3px;
  transition: var(--transition);
}

.header.scrolled .burger span {
  background: var(--text);
}

/* ===== HERO ===== */
.hero {
  min-height: 600px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent) 100%);
  display: flex;
  align-items: center;
  padding: 120px 20px 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}

.hero-content {
  max-width: var(--max-width);
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-text {
  color: var(--white);
}

.hero-text h1 {
  font-size: 2.5rem;
  margin-bottom: 1.2rem;
  line-height: 1.2;
}

.hero-text p {
  font-size: 1.15rem;
  opacity: 0.92;
  margin-bottom: 2rem;
  line-height: 1.7;
}

/* ===== HERO SINGLE (inner pages) ===== */
.hero-single {
  min-height: 340px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--accent) 100%);
  display: flex;
  align-items: center;
  padding: 120px 20px 60px;
  position: relative;
  overflow: hidden;
}

.hero-single::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -15%;
  width: 500px;
  height: 500px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}

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

.hero-single h1 {
  color: var(--white);
  font-size: 2.2rem;
  margin-bottom: 1rem;
}

.hero-single p {
  color: rgba(255,255,255,0.9);
  font-size: 1.1rem;
  max-width: 700px;
}

/* ===== BREADCRUMBS ===== */
.breadcrumbs {
  padding: 16px 0;
  font-size: 0.85rem;
  color: var(--text-light);
}

.breadcrumbs a {
  color: var(--accent);
}

.breadcrumbs span {
  margin: 0 6px;
  color: #ccc;
}

/* ===== CALCULATOR ===== */
.calculator {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
}

.calculator h2 {
  color: var(--accent);
  margin-bottom: 1.5rem;
  font-size: 1.4rem;
}

.calc-group {
  margin-bottom: 1.2rem;
}

.calc-group label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  font-size: 0.95rem;
}

.calc-group input,
.calc-group select {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid #E0E0E0;
  border-radius: 12px;
  font-family: inherit;
  font-size: 1rem;
  transition: border-color var(--transition);
  background: var(--bg);
}

.calc-group input:focus,
.calc-group select:focus {
  outline: none;
  border-color: var(--primary);
}

.calc-btn {
  display: inline-block;
  background: var(--primary);
  color: var(--white);
  padding: 14px 40px;
  border-radius: var(--pill);
  border: none;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
  width: 100%;
  margin-top: 8px;
}

.calc-btn:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
}

.calc-result {
  margin-top: 1.5rem;
  padding: 20px;
  background: var(--bg-alt);
  border-radius: 12px;
  display: none;
}

.calc-result.active {
  display: block;
}

.calc-result h3 {
  color: var(--accent);
  margin-bottom: 0.8rem;
}

.calc-result-item {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid #E0E0E0;
  font-size: 0.95rem;
}

.calc-result-item:last-child {
  border-bottom: none;
}

.calc-result-item .amount {
  font-weight: 700;
  color: var(--primary-dark);
}

/* ===== CTA BUTTON ===== */
.cta-button {
  display: inline-block;
  background: var(--primary);
  color: var(--white);
  padding: 14px 36px;
  border-radius: var(--pill);
  font-weight: 700;
  font-size: 1rem;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  text-align: center;
}

.cta-button:hover {
  background: var(--primary-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245,127,23,0.35);
}

.cta-button.accent {
  background: var(--accent);
}

.cta-button.accent:hover {
  background: var(--accent-dark);
  box-shadow: 0 6px 20px rgba(106,27,154,0.35);
}

/* ===== SECTIONS ===== */
.section {
  padding: 70px 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-skew {
  position: relative;
  padding: 90px 0 70px;
}

.section-skew::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 80px;
  background: var(--bg-alt);
  transform: skewY(-2deg);
  transform-origin: top left;
}

.section-title {
  text-align: center;
  margin-bottom: 2.5rem;
}

.section-title h2 {
  color: var(--accent);
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.section-title p {
  color: var(--text-light);
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0 auto;
}

/* ===== CARDS ===== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

.card-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.card h3 {
  color: var(--accent);
}

.card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

.card .card-link {
  display: inline-block;
  margin-top: 12px;
  font-weight: 600;
  color: var(--primary);
}

/* ===== INFO BOX ===== */
.info-box {
  background: var(--bg-alt);
  border-left: 4px solid var(--primary);
  padding: 20px 24px;
  border-radius: 0 12px 12px 0;
  margin: 1.5rem 0;
}

.info-box.accent {
  border-left-color: var(--accent);
}

.info-box h4 {
  color: var(--primary-dark);
  margin-bottom: 0.5rem;
}

.info-box.accent h4 {
  color: var(--accent);
}

/* ===== TABLE ===== */
.table-responsive {
  overflow-x: auto;
  margin: 1.5rem 0;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.data-table th {
  background: var(--accent);
  color: var(--white);
  padding: 14px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 0.9rem;
}

.data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid #F0F0F0;
  font-size: 0.9rem;
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table tr:hover td {
  background: var(--bg-alt);
}

/* ===== FAQ ACCORDION ===== */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border-radius: 12px;
  margin-bottom: 12px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 18px 24px;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color var(--transition);
}

.faq-question:hover {
  color: var(--accent);
}

.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  transition: transform var(--transition);
}

.faq-item.active .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 24px 18px;
  color: var(--text-light);
  line-height: 1.7;
}

/* ===== CONTENT ARTICLE ===== */
.content-article {
  max-width: 860px;
  margin: 0 auto;
  padding: 40px 20px;
}

.content-article h2 {
  color: var(--accent);
  margin-top: 2.5rem;
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--bg-alt);
}

.content-article h3 {
  color: var(--primary-dark);
  margin-top: 1.8rem;
}

.content-article ul, .content-article ol {
  margin-bottom: 1.2rem;
}

.content-article strong {
  color: var(--text);
}

/* ===== PARTNER BLOCK ===== */
.partner-block {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  border-radius: var(--radius);
  padding: 32px;
  color: var(--white);
  text-align: center;
  margin: 2rem 0;
}

.partner-block h3 {
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 0.8rem;
}

.partner-block p {
  opacity: 0.92;
  margin-bottom: 1.5rem;
}

.partner-block .cta-button {
  background: var(--primary);
}

/* ===== FOOTER ===== */
.footer {
  background: var(--accent-dark);
  color: rgba(255,255,255,0.85);
}

.footer-top {
  padding: 50px 0 30px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
}

.footer-col h4 {
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-col ul li {
  margin-bottom: 8px;
}

.footer-col ul a {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  transition: color var(--transition);
}

.footer-col ul a:hover {
  color: var(--primary-light);
}

.footer-col p {
  font-size: 0.9rem;
  line-height: 1.6;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 20px 0;
  text-align: center;
  font-size: 0.85rem;
}

.footer-bottom p {
  margin-bottom: 0.3rem;
}

.footer-disclaimer {
  font-size: 0.8rem;
  opacity: 0.7;
  max-width: 700px;
  margin: 8px auto 0;
  line-height: 1.5;
}

/* ===== ANIMATIONS ===== */
.fade-in {
  opacity: 0;
  transform: translateY(30px) scale(0.97);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0) scale(1);
}

/* ===== INTERNAL LINKS BLOCK ===== */
.internal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 1.5rem 0;
}

.internal-links a {
  display: inline-block;
  padding: 10px 20px;
  background: var(--bg-alt);
  border-radius: var(--pill);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--accent);
  transition: background var(--transition), color var(--transition);
}

.internal-links a:hover {
  background: var(--accent);
  color: var(--white);
}

/* ===== MOBILE NAV ===== */
.mobile-nav {
  position: fixed;
  top: 0;
  right: -100%;
  width: 280px;
  height: 100vh;
  background: var(--white);
  z-index: 1001;
  padding: 80px 30px 30px;
  transition: right 0.35s ease;
  box-shadow: -4px 0 20px rgba(0,0,0,0.1);
}

.mobile-nav.active {
  right: 0;
}

.mobile-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.mobile-nav ul li {
  margin-bottom: 16px;
}

.mobile-nav ul a {
  color: var(--text);
  font-size: 1.05rem;
  font-weight: 600;
}

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

.mobile-nav-close {
  position: absolute;
  top: 20px;
  right: 20px;
  background: none;
  border: none;
  font-size: 2rem;
  cursor: pointer;
  color: var(--text);
}

.overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0,0,0,0.4);
  z-index: 1000;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}

.overlay.active {
  opacity: 1;
  pointer-events: all;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .nav-links {
    display: none;
  }
  .burger {
    display: flex;
  }
  .hero-content {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero-text h1 {
    font-size: 2rem;
  }
  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.4rem; }
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  html { font-size: 15px; }
  .hero {
    min-height: auto;
    padding: 100px 16px 50px;
  }
  .hero-single {
    min-height: auto;
    padding: 100px 16px 40px;
  }
  .hero-text h1 {
    font-size: 1.6rem;
  }
  .calculator {
    padding: 20px;
  }
  .cards-grid {
    grid-template-columns: 1fr;
  }
  .footer-top {
    grid-template-columns: 1fr;
  }
  .section {
    padding: 50px 0;
  }
  .content-article {
    padding: 24px 16px;
  }
}

/* ===== RSA AD PLACEHOLDER ===== */
.rsa-block {
  background: #F5F5F5;
  border: 1px dashed #CCC;
  border-radius: 12px;
  padding: 24px;
  text-align: center;
  margin: 2rem 0;
  min-height: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #999;
  font-size: 0.85rem;
}