/* ===== Finance Tools - Global Styles ===== */
:root {
  --primary: #1a56db;
  --primary-dark: #1e40af;
  --primary-light: #e8edff;
  --success: #059669;
  --success-light: #d1fae5;
  --warning: #d97706;
  --warning-light: #fef3c7;
  --danger: #dc2626;
  --danger-light: #fee2e2;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 1px 3px rgba(0,0,0,.1), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,.07), 0 2px 4px rgba(0,0,0,.06);
  --shadow-lg: 0 10px 15px rgba(0,0,0,.1), 0 4px 6px rgba(0,0,0,.05);
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--gray-50);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

/* Layout */
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.site-logo {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gray-900);
  text-decoration: none;
}
.site-logo span { color: var(--primary); }

.site-nav { display: flex; gap: 24px; align-items: center; }
.site-nav a {
  color: var(--gray-600);
  font-size: .9rem;
  font-weight: 500;
  transition: color .2s;
}
.site-nav a:hover { color: var(--primary); text-decoration: none; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  padding: 60px 0;
  text-align: center;
}
.hero h1 { font-size: 2.5rem; font-weight: 700; margin-bottom: 16px; }
.hero p { font-size: 1.15rem; opacity: .9; max-width: 640px; margin: 0 auto 32px; }

/* Tool Card Grid */
.tool-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 24px;
  padding: 48px 0;
}

.tool-card {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 32px;
  transition: box-shadow .2s, transform .2s;
  display: flex;
  flex-direction: column;
}
.tool-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}
.tool-card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 16px;
}
.tool-card h3 { font-size: 1.2rem; margin-bottom: 8px; color: var(--gray-900); }
.tool-card p { font-size: .9rem; color: var(--gray-500); margin-bottom: 16px; flex: 1; }
.tool-card .tag {
  display: inline-block;
  font-size: .75rem;
  padding: 2px 8px;
  border-radius: 4px;
  margin-right: 6px;
  margin-bottom: 12px;
}
.tag-low { background: var(--success-light); color: var(--success); }
.tag-med { background: var(--warning-light); color: var(--warning); }
.tool-card .btn {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  padding: 10px 20px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .9rem;
  text-align: center;
  transition: background .2s;
}
.tool-card .btn:hover { background: var(--primary-dark); text-decoration: none; }

/* Tool Page Layout */
.tool-page { padding: 40px 0 60px; }
.tool-layout {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 32px;
  align-items: start;
}
@media (max-width: 900px) {
  .tool-layout { grid-template-columns: 1fr; }
}

/* Calculator Box */
.calc-box {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 32px;
  position: sticky;
  top: 80px;
}
.calc-box h2 {
  font-size: 1.3rem;
  margin-bottom: 24px;
  color: var(--gray-900);
}

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 1rem;
  transition: border-color .2s;
  background: #fff;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,86,219,.15);
}
.form-group .input-prefix {
  position: relative;
}
.form-group .input-prefix::before {
  content: '$';
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  font-size: 1rem;
}
.form-group .input-prefix input {
  padding-left: 30px;
}
.form-group .input-suffix::after {
  content: '%';
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  font-size: 1rem;
}
.form-group .input-suffix {
  position: relative;
}
.form-group .input-suffix input {
  padding-right: 30px;
}

.btn-calc {
  width: 100%;
  padding: 14px;
  background: var(--primary);
  color: #fff;
  border: none;
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s;
}
.btn-calc:hover { background: var(--primary-dark); }

/* Results */
.calc-results {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
  display: none;
}
.calc-results.show { display: block; }
.result-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--gray-100);
}
.result-row:last-child { border-bottom: none; }
.result-label { color: var(--gray-500); font-size: .9rem; }
.result-value { font-weight: 700; color: var(--gray-900); font-size: .95rem; }
.result-highlight {
  background: var(--primary-light);
  border-radius: var(--radius);
  padding: 16px;
  margin-top: 12px;
  text-align: center;
}
.result-highlight .big-number {
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary);
}
.result-highlight .big-label {
  font-size: .85rem;
  color: var(--gray-500);
  margin-top: 4px;
}

/* Content Area */
.tool-content { min-width: 0; }
.tool-content h1 {
  font-size: 2rem;
  margin-bottom: 8px;
  color: var(--gray-900);
}
.tool-content .breadcrumb {
  font-size: .85rem;
  color: var(--gray-400);
  margin-bottom: 24px;
}
.tool-content .breadcrumb a { color: var(--gray-400); }
.tool-content .breadcrumb a:hover { color: var(--primary); }

.content-section {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid var(--gray-200);
}
.content-section h2 {
  font-size: 1.4rem;
  margin-bottom: 16px;
  color: var(--gray-900);
}
.content-section h3 {
  font-size: 1.15rem;
  margin: 20px 0 10px;
  color: var(--gray-800);
}
.content-section p {
  color: var(--gray-600);
  margin-bottom: 14px;
  font-size: .95rem;
}
.content-section ul, .content-section ol {
  margin: 0 0 14px 20px;
  color: var(--gray-600);
  font-size: .95rem;
}
.content-section li { margin-bottom: 6px; }

.formula-box {
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 16px 0;
  font-family: 'SF Mono', 'Fira Code', monospace;
  font-size: .9rem;
  color: var(--gray-700);
  overflow-x: auto;
}

/* FAQ */
.faq-item {
  margin-bottom: 12px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
}
.faq-question {
  padding: 16px 20px;
  font-weight: 600;
  color: var(--gray-800);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: #fff;
  transition: background .2s;
}
.faq-question:hover { background: var(--gray-50); }
.faq-question::after { content: '+'; font-size: 1.2rem; color: var(--gray-400); }
.faq-question.open::after { content: '−'; }
.faq-answer {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
  color: var(--gray-600);
  font-size: .9rem;
  background: #fff;
}
.faq-answer.open {
  max-height: 500px;
  padding: 0 20px 16px;
}

/* Related Tools */
.related-tools {
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid var(--gray-200);
}
.related-tools h2 { font-size: 1.3rem; margin-bottom: 20px; }
.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 16px;
}
.related-card {
  background: #fff;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 16px;
  transition: border-color .2s;
}
.related-card:hover { border-color: var(--primary); text-decoration: none; }
.related-card h4 { font-size: .95rem; color: var(--gray-800); margin-bottom: 4px; }
.related-card p { font-size: .8rem; color: var(--gray-400); }

/* Footer */
.site-footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: 48px 0 24px;
  margin-top: 60px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
.footer-col h4 { color: #fff; font-size: .9rem; margin-bottom: 12px; }
.footer-col a { display: block; color: var(--gray-400); font-size: .85rem; margin-bottom: 8px; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom {
  border-top: 1px solid var(--gray-700);
  padding-top: 20px;
  font-size: .8rem;
  text-align: center;
}

/* Responsive */
@media (max-width: 768px) {
  .hero h1 { font-size: 1.8rem; }
  .hero p { font-size: 1rem; }
  .tool-grid { grid-template-columns: 1fr; }
  .site-nav { display: none; }
}

/* Ad placeholder */
.ad-slot {
  background: var(--gray-100);
  border: 1px dashed var(--gray-300);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  color: var(--gray-400);
  font-size: .8rem;
  margin: 20px 0;
  min-height: 90px;
}