/* ============================================================
   RiskCalcPro — Design System v5.0 (2026)
   Aesthetic: Premium SaaS Dark · Financial Terminal
   Font: Plus Jakarta Sans (EN) + Noto Sans Thai (TH)
   ============================================================ */
:root {
  --bg:        #070810;
  --bg2:       #0d0e1a;
  --surface:   #11121f;
  --surface2:  #181929;
  --surface3:  #1e2035;
  --border:    rgba(255,255,255,0.055);
  --border2:   rgba(255,255,255,0.10);
  --accent:    #818cf8;
  --accent-d:  #6366f1;
  --accent2:   #34d399;
  --accent3:   #f59e0b;
  --cyan:      #22d3ee;
  --red:       #fb7185;
  --yellow:    #fbbf24;
  --text:      #e2e4f0;
  --muted:     #6b7280;
  --muted2:    #9ca3af;
  --white:     #ffffff;
  --max:       1080px;
  --r:         12px;
  --r-sm:      8px;
  --r-lg:      16px;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{font-size:16px;scroll-behavior:smooth;}
body{
  font-family:'Plus Jakarta Sans','Noto Sans Thai',-apple-system,BlinkMacSystemFont,sans-serif;
  background:var(--bg); color:var(--text);
  line-height:1.65; -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
body::before{
  content:''; position:fixed; inset:0; pointer-events:none; z-index:0;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.03'/%3E%3C/svg%3E");
  opacity:.4;
}
img{max-width:100%;height:auto;display:block;}
a{color:inherit;}

/* ── DISCLAIMER BAR ── */
.disclaimer-bar{
  background:rgba(245,158,11,0.08);
  border-bottom:1px solid rgba(245,158,11,0.18);
  padding:9px 20px;text-align:center;
  font-size:12px;color:var(--muted2);
  position:relative;z-index:201;
}
.disclaimer-bar strong{color:var(--yellow);}
.disclaimer-bar a{color:var(--yellow);text-decoration:none;font-weight:600;}
.disclaimer-bar a:hover{text-decoration:underline;}

/* ── NAV ── */
nav{
  position:sticky;top:0;z-index:200;
  background:rgba(7,8,16,0.85);
  backdrop-filter:blur(20px) saturate(180%);
  -webkit-backdrop-filter:blur(20px) saturate(180%);
  border-bottom:1px solid var(--border);
}
.nav-inner{
  max-width:var(--max);margin:0 auto;
  display:flex;align-items:center;justify-content:space-between;
  height:54px;padding:0 20px;
}
.logo{
  font-size:16px;font-weight:800;color:var(--white);
  text-decoration:none;letter-spacing:-0.4px;
  display:flex;align-items:center;gap:7px;
}
.logo-dot{
  width:8px;height:8px;border-radius:50%;
  background:var(--accent2);display:inline-block;
  box-shadow:0 0 10px var(--accent2);
  animation:pulseDot 2.4s ease-in-out infinite;
}
@keyframes pulseDot{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.15);opacity:.7}}
.nav-links{display:flex;gap:6px;align-items:center;}
.nav-links a{
  color:var(--muted2);text-decoration:none;
  font-size:13px;font-weight:500;
  padding:6px 10px;border-radius:6px;
  transition:color .15s,background .15s;
}
.nav-links a:hover{color:var(--white);background:var(--surface2);}
.nav-lang{
  display:flex;align-items:center;gap:0;
  border:1px solid var(--border2);border-radius:6px;
  overflow:hidden;margin:0 4px;
}
.nav-lang a{
  padding:5px 10px;font-size:12px;font-weight:600;
  color:var(--muted2);border-radius:0;
}
.nav-lang a.active{background:var(--surface3);color:var(--white);}
.nav-cta{
  background:linear-gradient(135deg,var(--accent),var(--accent-d)) !important;
  color:var(--white) !important;padding:7px 16px !important;
  border-radius:8px;font-size:13px !important;font-weight:700 !important;
  box-shadow:0 4px 15px rgba(129,140,248,0.3);
  transition:opacity .15s,box-shadow .15s !important;
}
.nav-cta:hover{opacity:.9 !important;box-shadow:0 4px 22px rgba(129,140,248,0.5) !important;background:linear-gradient(135deg,var(--accent),var(--accent-d)) !important;}
.menu-toggle{display:none;background:none;border:none;color:var(--white);cursor:pointer;padding:6px;}

/* ── MARKET TICKER ── */
.ticker-wrap{
  background:var(--surface);border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  padding:10px 0;overflow:hidden;position:relative;
}
.ticker-inner{
  display:flex;gap:32px;width:max-content;
  will-change:transform;
}
/* ticker animation ควบคุมโดย JS requestAnimationFrame */
.ticker-item{
  display:flex;align-items:center;gap:8px;
  font-size:12px;white-space:nowrap;
}
.ticker-name{color:var(--muted2);font-weight:600;}
.ticker-price{color:var(--white);font-weight:700;}
.ticker-chg{font-size:11px;font-weight:700;padding:2px 7px;border-radius:4px;}
.up{color:var(--accent2);background:rgba(52,211,153,0.1);}
.dn{color:var(--red);background:rgba(251,113,133,0.1);}

/* ── HERO ── */
.hero{
  padding:80px 20px 64px;
  text-align:center;position:relative;
  overflow:hidden;
}
.hero-glow{
  position:absolute;top:-100px;left:50%;
  transform:translateX(-50%);
  width:680px;height:440px;
  background:radial-gradient(ellipse at center,
    rgba(129,140,248,0.13) 0%,
    rgba(52,211,153,0.07) 40%,
    transparent 70%);
  pointer-events:none;z-index:0;
}
.hero-content{position:relative;z-index:1;}
.hero-badge{
  display:inline-flex;align-items:center;gap:7px;
  background:rgba(52,211,153,0.08);
  border:1px solid rgba(52,211,153,0.2);
  color:var(--accent2);padding:5px 16px;
  border-radius:100px;font-size:12px;font-weight:600;
  letter-spacing:0.3px;margin-bottom:24px;
}
.hero-badge::before{
  content:'';width:6px;height:6px;border-radius:50%;
  background:var(--accent2);
  box-shadow:0 0 6px var(--accent2);
  animation:pulse 2s infinite;
}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
.hero h1{
  font-size:clamp(32px,4.6vw,56px);
  font-weight:800;line-height:1.08;
  letter-spacing:-1.6px;color:var(--white);
  margin-bottom:18px;max-width:720px;
  margin-left:auto;margin-right:auto;
}
.hero h1 .grad{
  background:linear-gradient(135deg,var(--accent),var(--cyan));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
  background-clip:text;
}
.hero-sub{
  color:var(--muted2);font-size:16px;
  max-width:520px;margin:0 auto 32px;line-height:1.7;
}
.hero-cta-row{
  display:flex;gap:12px;justify-content:center;
  flex-wrap:wrap;margin-bottom:36px;
}
.btn-primary{
  background:linear-gradient(135deg,var(--accent),var(--accent-d));
  color:var(--white);text-decoration:none;
  padding:13px 28px;border-radius:10px;
  font-size:14px;font-weight:700;
  box-shadow:0 6px 20px rgba(129,140,248,0.35);
  transition:opacity .18s,box-shadow .18s,transform .18s;
  border:none;cursor:pointer;font-family:inherit;
  display:inline-flex;align-items:center;gap:6px;
}
.btn-primary:hover{opacity:.92;box-shadow:0 8px 26px rgba(129,140,248,0.55);transform:translateY(-1px);}
.btn-secondary{
  background:transparent;color:var(--text);
  border:1px solid var(--border2);
  padding:13px 24px;border-radius:10px;
  font-size:14px;font-weight:600;
  text-decoration:none;
  transition:border-color .18s,color .18s,background .18s;
  display:inline-flex;align-items:center;gap:6px;cursor:pointer;font-family:inherit;
}
.btn-secondary:hover{border-color:var(--accent);color:var(--white);background:rgba(129,140,248,0.05);}
.hero-stats{
  display:flex;justify-content:center;
  gap:36px;margin-bottom:36px;flex-wrap:wrap;
}
.stat{text-align:center;min-width:80px;}
.stat-n{
  font-size:28px;font-weight:800;color:var(--white);
  display:block;letter-spacing:-0.5px;line-height:1;
}
.stat-l{font-size:11px;color:var(--muted);margin-top:4px;display:block;letter-spacing:0.6px;text-transform:uppercase;padding:0 6px;}

/* ── SEARCH ── */
.search-wrap{
  position:relative;display:inline-block;
  max-width:480px;width:100%;
}
.search-wrap input{
  width:100%;
  background:var(--surface);
  border:1px solid var(--border2);
  color:var(--white);padding:14px 20px 14px 46px;
  border-radius:12px;font-size:14px;
  font-family:inherit;transition:border-color .2s,box-shadow .2s;
}
.search-wrap input:focus{
  outline:none;border-color:var(--accent);
  box-shadow:0 0 0 3px rgba(129,140,248,0.12);
}
.search-wrap input::placeholder{color:var(--muted);}
.search-icon{
  position:absolute;left:15px;top:50%;
  transform:translateY(-50%);
  color:var(--muted);font-size:16px;pointer-events:none;
}
#search-results{
  position:absolute;top:calc(100% + 6px);left:0;right:0;
  background:var(--surface2);border:1px solid var(--border2);
  border-radius:10px;z-index:50;max-height:260px;
  overflow-y:auto;display:none;text-align:left;
  box-shadow:0 20px 40px rgba(0,0,0,0.4);
}
#search-results a{
  display:block;padding:11px 15px;color:var(--text);
  border-bottom:1px solid var(--border);text-decoration:none;
  font-size:13px;transition:background .12s;
}
#search-results a:last-child{border-bottom:none;}
#search-results a:hover{background:var(--surface3);color:var(--accent);}
#search-results .no-result{padding:14px;color:var(--muted);font-size:13px;}

/* ── QUICK CALC ── */
.quick-calc{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:24px;
  max-width:520px;margin:0 auto 56px;text-align:left;
  box-shadow:0 8px 32px rgba(0,0,0,0.32);
}
.qc-head{
  display:flex;align-items:center;gap:8px;
  font-size:11px;font-weight:700;color:var(--accent2);
  letter-spacing:1.5px;text-transform:uppercase;margin-bottom:16px;
}
.qc-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;align-items:end;}
.qc-f label{display:block;font-size:11px;color:var(--muted);margin-bottom:5px;font-weight:500;}
.qc-f input{
  width:100%;background:var(--surface2);border:1px solid var(--border);
  color:var(--white);padding:9px 11px;border-radius:var(--r-sm);
  font-size:14px;font-family:inherit;transition:border-color .15s;
}
.qc-f input:focus{outline:none;border-color:var(--accent);}
.qc-out .ql{font-size:10px;color:var(--muted);margin-bottom:3px;letter-spacing:0.5px;text-transform:uppercase;}
.qc-out .qv{
  font-size:26px;font-weight:800;
  background:linear-gradient(135deg,var(--accent2),var(--cyan));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
  background-clip:text;
}

/* ── SECTIONS ── */
.section{padding:56px 20px;position:relative;z-index:1;}
.s-inner{max-width:var(--max);margin:0 auto;}
.eyebrow{
  font-size:10px;font-weight:700;color:var(--accent);
  letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;
}
.s-title{
  font-size:clamp(22px,2.8vw,30px);font-weight:800;
  color:var(--white);letter-spacing:-0.5px;margin-bottom:32px;
}
.s-sub{font-size:14px;color:var(--muted2);margin-top:-22px;margin-bottom:28px;max-width:600px;}

/* ── TOOL CARDS ── */
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:12px;}
.g2{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;}

.tc{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:20px;
  text-decoration:none;color:var(--text);
  display:block;transition:border-color .2s,transform .2s,box-shadow .2s;
  position:relative;overflow:hidden;
}
.tc::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(129,140,248,0.04),transparent);
  opacity:0;transition:opacity .2s;pointer-events:none;
}
.tc:hover{
  border-color:rgba(129,140,248,0.35);
  transform:translateY(-2px);
  box-shadow:0 8px 24px rgba(0,0,0,0.28);
}
.tc:hover::after{opacity:1;}
.tc.star{
  background:linear-gradient(135deg,rgba(129,140,248,0.1),rgba(52,211,153,0.04));
  border-color:rgba(129,140,248,0.25);
}
.tc-badge{
  display:inline-block;
  background:rgba(52,211,153,0.12);color:var(--accent2);
  font-size:9px;font-weight:800;padding:2px 7px;
  border-radius:4px;letter-spacing:1px;text-transform:uppercase;
  margin-bottom:10px;
}
.tc-svg{width:42px;height:42px;margin-bottom:12px;display:block;}
.tc-svg svg{width:42px;height:42px;}
.tc-t{font-weight:700;font-size:13px;color:var(--white);margin-bottom:5px;}
.tc-d{font-size:12px;color:var(--muted);line-height:1.55;}

/* ── WHY/FEATURES ── */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.why-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:24px;}
.why-icon{font-size:24px;margin-bottom:12px;}
.why-title{font-weight:700;font-size:14px;color:var(--white);margin-bottom:6px;}
.why-desc{font-size:12px;color:var(--muted2);line-height:1.65;}

/* ── TESTIMONIAL ── */
.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
.testi{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:20px;
}
.testi-stars{color:var(--accent3);font-size:13px;letter-spacing:1px;margin-bottom:10px;}
.testi-quote{font-size:13px;color:var(--text);line-height:1.7;margin-bottom:14px;font-style:italic;}
.testi-author{display:flex;align-items:center;gap:10px;}
.testi-avatar{
  width:34px;height:34px;border-radius:50%;
  background:linear-gradient(135deg,var(--accent),var(--cyan));
  display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:13px;color:var(--white);
}
.testi-name{font-size:12px;font-weight:700;color:var(--white);}
.testi-role{font-size:11px;color:var(--muted);}

/* ── TRUST/STATS BAR ── */
.trust-bar{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:24px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
  margin-bottom:14px;
}
.trust-item{text-align:center;border-right:1px solid var(--border);padding:0 12px;}
.trust-item:last-child{border-right:none;}
.trust-n{font-size:24px;font-weight:800;color:var(--white);letter-spacing:-0.5px;line-height:1;}
.trust-n .grad{background:linear-gradient(135deg,var(--accent2),var(--cyan));-webkit-background-clip:text;-webkit-text-fill-color:transparent;}
.trust-l{font-size:11px;color:var(--muted);margin-top:6px;letter-spacing:0.6px;text-transform:uppercase;}

/* ── THAI BANNER ── */
.th-banner{
  background:linear-gradient(135deg,rgba(52,211,153,0.07),rgba(34,211,238,0.04));
  border:1px solid rgba(52,211,153,0.18);
  border-radius:var(--r);padding:20px 24px;
  display:flex;align-items:center;gap:16px;
}
.th-banner-text h3{font-size:16px;font-weight:700;color:var(--white);margin-bottom:3px;}
.th-banner-text p{font-size:12px;color:var(--muted2);}
.th-banner a{
  margin-left:auto;
  background:var(--accent2);color:#062117;
  padding:8px 18px;border-radius:var(--r-sm);
  text-decoration:none;font-weight:700;font-size:12px;
  white-space:nowrap;transition:opacity .15s,transform .15s;
}
.th-banner a:hover{opacity:.9;transform:translateX(2px);}

/* ── CATEGORY CARDS ── */
.cat{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:18px;}
.cat-t{font-size:10px;font-weight:700;color:var(--accent);letter-spacing:1.8px;text-transform:uppercase;margin-bottom:14px;}
.cat a{
  display:flex;align-items:center;gap:6px;
  color:var(--muted2);text-decoration:none;font-size:12px;
  padding:6px 0;transition:color .15s;border-bottom:1px solid var(--border);
}
.cat a:last-child{border-bottom:none;}
.cat a::before{content:'›';color:var(--accent);font-size:14px;opacity:.7;}
.cat a:hover{color:var(--white);}

/* ── EMAIL CAPTURE ── */
.email-sect{
  background:linear-gradient(135deg,rgba(129,140,248,0.08),rgba(52,211,153,0.04));
  border-top:1px solid var(--border);border-bottom:1px solid var(--border);
  padding:60px 20px;text-align:center;
}
.email-inner{max-width:440px;margin:0 auto;}
.email-inner h2{
  font-size:26px;font-weight:800;color:var(--white);
  letter-spacing:-0.5px;margin-bottom:10px;
}
.email-inner p{color:var(--muted2);font-size:14px;margin-bottom:22px;line-height:1.7;}
.email-form{display:flex;gap:8px;}
.email-form input{
  flex:1;background:var(--surface);border:1px solid var(--border2);
  color:var(--white);padding:12px 14px;border-radius:var(--r-sm);
  font-size:13px;font-family:inherit;
  transition:border-color .15s;
}
.email-form input:focus{outline:none;border-color:var(--accent);}
.email-form button{
  background:linear-gradient(135deg,var(--accent),var(--accent-d));
  color:var(--white);border:none;padding:12px 20px;
  border-radius:var(--r-sm);font-size:13px;font-weight:700;
  cursor:pointer;font-family:inherit;white-space:nowrap;
  box-shadow:0 4px 12px rgba(129,140,248,0.3);
  transition:opacity .15s;
}
.email-form button:hover{opacity:.88;}
.email-note{font-size:11px;color:var(--muted);margin-top:10px;}
.email-consent{font-size:11px;color:var(--muted);margin-top:14px;line-height:1.6;}
.email-consent a{color:var(--accent2);text-decoration:none;}

/* ── FOOTER ── */
footer{
  background:var(--surface);border-top:1px solid var(--border);
  padding:48px 20px 24px;position:relative;z-index:1;
}
.foot-grid{
  max-width:var(--max);margin:0 auto;
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;
  margin-bottom:32px;
}
.foot-brand p{
  color:var(--muted2);font-size:13px;line-height:1.7;
  margin-top:12px;max-width:300px;
}
.foot-col h4{
  font-size:11px;font-weight:700;color:var(--white);
  letter-spacing:1.5px;text-transform:uppercase;margin-bottom:14px;
}
.foot-col a{
  display:block;color:var(--muted2);text-decoration:none;
  font-size:13px;padding:4px 0;transition:color .15s;
}
.foot-col a:hover{color:var(--white);}
.foot-bottom{
  max-width:var(--max);margin:0 auto;
  border-top:1px solid var(--border);padding-top:20px;
  display:flex;justify-content:space-between;flex-wrap:wrap;
  gap:14px;align-items:center;
}
.foot-copy{color:var(--muted);font-size:12px;}
.foot-legal{display:flex;gap:14px;flex-wrap:wrap;}
.foot-legal a{color:var(--muted);text-decoration:none;font-size:12px;transition:color .15s;}
.foot-legal a:hover{color:var(--white);}

/* ── CALCULATOR PAGE LAYOUT ── */
.calc-page{padding:36px 20px;position:relative;z-index:1;}
.calc-inner{max-width:var(--max);margin:0 auto;}
.calc-header{margin-bottom:28px;}
.calc-bread{
  display:flex;align-items:center;gap:6px;
  font-size:12px;color:var(--muted);margin-bottom:14px;
}
.calc-bread a{color:var(--muted2);text-decoration:none;transition:color .15s;}
.calc-bread a:hover{color:var(--accent);}
.calc-bread .sep{color:var(--muted);}
.calc-page h1{
  font-size:clamp(26px,3.4vw,38px);font-weight:800;
  color:var(--white);letter-spacing:-0.8px;line-height:1.15;
  margin-bottom:8px;
}
.calc-page .calc-subtitle{
  font-size:15px;color:var(--muted2);max-width:680px;line-height:1.65;
}
.main-grid{
  display:grid;grid-template-columns:1.4fr 1fr;gap:24px;
}
.calc-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:28px;
  box-shadow:0 4px 24px rgba(0,0,0,0.2);
}
.fg{margin-bottom:15px;}
.fg label{display:block;font-size:12px;color:var(--muted);margin-bottom:5px;font-weight:500;letter-spacing:0.2px;}
.fg input,.fg select,.fg textarea{
  width:100%;background:var(--surface2);border:1px solid var(--border);
  color:var(--white);padding:11px 13px;border-radius:var(--r-sm);
  font-size:14px;font-family:inherit;transition:border-color .15s,box-shadow .15s;
}
.fg input:focus,.fg select:focus,.fg textarea:focus{
  outline:none;border-color:var(--accent);
  box-shadow:0 0 0 3px rgba(129,140,248,0.1);
}
.fg select option{background:var(--surface2);}
.fr2{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.fr3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;}

.btn{
  background:linear-gradient(135deg,var(--accent),var(--accent-d));
  color:var(--white);border:none;padding:11px 24px;
  border-radius:var(--r-sm);font-size:13px;font-weight:700;
  cursor:pointer;font-family:inherit;
  box-shadow:0 4px 12px rgba(129,140,248,0.25);
  transition:opacity .15s,box-shadow .15s;
}
.btn:hover{opacity:.92;box-shadow:0 4px 18px rgba(129,140,248,0.4);}
.btn-ghost{
  background:transparent;border:1px solid var(--border2);
  color:var(--muted2);padding:10px 16px;border-radius:var(--r-sm);
  font-size:13px;cursor:pointer;font-family:inherit;transition:all .15s;
}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent);}
.btn-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px;}

.res-box{
  margin-top:22px;
  background:linear-gradient(135deg,rgba(129,140,248,0.07),rgba(52,211,153,0.04));
  border:1px solid rgba(129,140,248,0.18);border-radius:var(--r);padding:22px;
}
.res-box h3{font-size:11px;font-weight:700;color:var(--accent);letter-spacing:1.5px;text-transform:uppercase;margin-bottom:12px;}
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;}
.ri{background:var(--surface2);border:1px solid var(--border);border-radius:var(--r-sm);padding:14px;}
.ri .rl{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;margin-bottom:5px;}
.ri .rv{font-size:20px;font-weight:800;color:var(--white);}
.rv.ac{
  background:linear-gradient(135deg,var(--accent2),var(--cyan));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
}
.rv.gn{color:var(--accent2);}
.rv.rd{color:var(--red);}
.sum-box{
  margin-top:14px;background:var(--surface2);
  border-radius:var(--r-sm);padding:11px 14px;
  font-size:13px;color:var(--muted2);line-height:1.6;
}
.formula{
  background:var(--surface2);border:1px solid var(--border);
  border-left:3px solid var(--accent);
  border-radius:var(--r-sm);padding:12px 16px;
  font-weight:700;font-size:13px;color:var(--accent);
  margin:14px 0 22px;line-height:1.7;font-family:'JetBrains Mono','SF Mono',Consolas,monospace;
}

.info-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:20px;margin-bottom:14px;
}
.info-card h3{font-size:14px;font-weight:700;color:var(--white);margin-bottom:12px;}
.info-card p{font-size:13px;color:var(--muted2);line-height:1.75;margin-bottom:10px;}
.info-card p:last-child{margin-bottom:0;}
.faq-i{padding-bottom:12px;margin-bottom:12px;border-bottom:1px solid var(--border);}
.faq-i:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0;}
.faq-q{font-size:13px;font-weight:700;color:var(--white);margin-bottom:6px;}
.faq-a{font-size:12px;color:var(--muted2);line-height:1.7;}

.related-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:18px;}
.related-box h4{font-size:11px;font-weight:700;color:var(--accent);letter-spacing:1.5px;text-transform:uppercase;margin-bottom:14px;}
.related-box a{display:flex;align-items:center;justify-content:space-between;color:var(--muted2);text-decoration:none;font-size:13px;padding:7px 0;border-bottom:1px solid var(--border);transition:color .15s;}
.related-box a:last-child{border-bottom:none;}
.related-box a:hover{color:var(--accent);}
.related-box a::after{content:'→';opacity:.5;}

.warn-box{
  background:rgba(245,158,11,0.06);border:1px solid rgba(245,158,11,0.18);
  border-radius:var(--r-sm);padding:12px 14px;font-size:12px;color:var(--muted2);
  line-height:1.65;margin-top:14px;
}
.warn-box strong{color:var(--yellow);}

/* ── CONTENT/LEGAL PAGES ── */
.content{max-width:780px;margin:0 auto;padding:48px 20px;position:relative;z-index:1;}
.content h1{font-size:clamp(28px,3.6vw,42px);font-weight:800;color:var(--white);letter-spacing:-1px;margin-bottom:12px;}
.content .updated{color:var(--muted);font-size:13px;margin-bottom:32px;}
.content h2{font-size:20px;font-weight:800;color:var(--white);margin:32px 0 12px;letter-spacing:-0.3px;}
.content h3{font-size:16px;font-weight:700;color:var(--white);margin:22px 0 10px;}
.content p{color:var(--muted2);font-size:15px;line-height:1.85;margin-bottom:14px;}
.content ul,.content ol{color:var(--muted2);font-size:15px;line-height:1.85;margin-bottom:14px;padding-left:22px;}
.content ul li,.content ol li{margin-bottom:6px;}
.content strong{color:var(--text);font-weight:700;}
.content a{color:var(--accent2);text-decoration:none;border-bottom:1px solid rgba(52,211,153,0.3);}
.content a:hover{border-bottom-color:var(--accent2);}
.legal-toc{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--r);padding:18px 22px;margin-bottom:32px;
}
.legal-toc h3{font-size:12px;font-weight:700;color:var(--accent);letter-spacing:1.5px;text-transform:uppercase;margin-bottom:10px;}
.legal-toc ol{margin:0;padding-left:18px;font-size:13px;}
.legal-toc ol li{margin-bottom:4px;}
.legal-toc a{color:var(--muted2);text-decoration:none;border:none;}
.legal-toc a:hover{color:var(--white);}
.law-ref{
  background:var(--surface2);border-left:3px solid var(--accent3);
  padding:12px 16px;border-radius:0 var(--r-sm) var(--r-sm) 0;margin:16px 0;
  font-size:13px;color:var(--muted2);line-height:1.7;
}
.law-ref strong{color:var(--accent3);}

/* ── BLOG ── */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.blog-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--text);transition:border-color .2s,transform .2s;display:block;}
.blog-card:hover{border-color:rgba(129,140,248,0.35);transform:translateY(-2px);}
.blog-thumb{height:140px;background:linear-gradient(135deg,var(--accent),var(--cyan));display:flex;align-items:center;justify-content:center;font-size:48px;}
.blog-body{padding:18px;}
.blog-tag{display:inline-block;background:rgba(129,140,248,0.12);color:var(--accent);font-size:10px;font-weight:700;padding:3px 8px;border-radius:4px;letter-spacing:1px;text-transform:uppercase;margin-bottom:10px;}
.blog-title{font-size:15px;font-weight:700;color:var(--white);margin-bottom:8px;line-height:1.4;}
.blog-excerpt{font-size:13px;color:var(--muted2);line-height:1.6;margin-bottom:12px;}
.blog-meta{font-size:11px;color:var(--muted);}

/* ── COPY BUTTON ── */
.copy-btn{
  display:inline-flex;align-items:center;gap:5px;
  background:var(--surface2);border:1px solid var(--border);
  color:var(--muted2);font-size:11px;font-weight:600;
  padding:5px 10px;border-radius:6px;cursor:pointer;
  margin-left:auto;transition:all .15s;font-family:inherit;
}
.copy-btn:hover{border-color:var(--accent2);color:var(--accent2);}

/* ── COOKIE BANNER ── */
.cookie-banner{
  position:fixed;bottom:20px;left:20px;right:20px;
  max-width:580px;margin:0 auto;
  background:var(--surface);border:1px solid var(--border2);
  border-radius:var(--r);padding:18px 22px;
  z-index:300;
  box-shadow:0 12px 40px rgba(0,0,0,0.5);
  display:none;
}
.cookie-banner.show{display:block;}
.cookie-banner p{font-size:13px;color:var(--muted2);line-height:1.6;margin-bottom:14px;}
.cookie-banner p a{color:var(--accent2);text-decoration:none;}
.cookie-actions{display:flex;gap:8px;flex-wrap:wrap;}
.cookie-actions button{
  flex:1;min-width:120px;padding:9px 14px;border-radius:6px;
  font-size:12px;font-weight:600;cursor:pointer;font-family:inherit;
}
.cookie-accept{background:linear-gradient(135deg,var(--accent),var(--accent-d));color:var(--white);border:none;}
.cookie-decline{background:transparent;border:1px solid var(--border2);color:var(--muted2);}

/* ── BACK TO TOP ── */
.back-top{
  position:fixed;bottom:20px;right:20px;
  width:42px;height:42px;border-radius:50%;
  background:var(--surface);border:1px solid var(--border2);
  color:var(--white);font-size:18px;cursor:pointer;
  display:none;align-items:center;justify-content:center;
  z-index:150;transition:transform .2s,border-color .2s;
}
.back-top.show{display:flex;}
.back-top:hover{border-color:var(--accent);transform:translateY(-2px);}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .main-grid{grid-template-columns:1fr;}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .trust-bar{grid-template-columns:repeat(2,1fr);}
  .trust-item{border-right:none;}
}
@media(max-width:768px){
  .menu-toggle{display:block;}
  .nav-links{
    position:absolute;top:54px;left:0;right:0;
    background:var(--bg2);border-bottom:1px solid var(--border);
    flex-direction:column;align-items:stretch;
    padding:14px 20px;gap:0;display:none;
  }
  .nav-links.open{display:flex;}
  .nav-links a{padding:10px 0;border-radius:0;border-bottom:1px solid var(--border);}
  .nav-links a:last-child{border-bottom:none;}
  .nav-lang{margin:8px 0;align-self:flex-start;}
  .g3,.g4,.testimonial-grid,.why-grid,.blog-grid{grid-template-columns:1fr 1fr;}
  .g2{grid-template-columns:1fr;}
  .qc-row{grid-template-columns:1fr 1fr;}
  .email-form{flex-direction:column;}
  .foot-grid{grid-template-columns:1fr 1fr;gap:24px;}
  .foot-bottom{flex-direction:column;text-align:center;}
  .hero-stats{gap:24px;}
  .res-grid,.fr2,.fr3{grid-template-columns:1fr;}
  .th-banner{flex-wrap:wrap;}
  .th-banner a{margin-left:0;}
}
@media(max-width:480px){
  .g3,.g4,.testimonial-grid,.why-grid,.blog-grid{grid-template-columns:1fr;}
  .hero h1{letter-spacing:-1px;}
  .trust-bar{grid-template-columns:1fr;gap:14px;}
  .trust-item{border-bottom:1px solid var(--border);padding-bottom:14px;}
  .trust-item:last-child{border-bottom:none;}
  .foot-grid{grid-template-columns:1fr;}
  .qc-row{grid-template-columns:1fr;}
}

/* ── PRINT ── */
@media print{
  nav,.disclaimer-bar,.email-sect,footer,.back-top,.cookie-banner,.btn-row{display:none!important;}
  body{background:#fff;color:#000;}
  .calc-card,.res-box,.info-card{break-inside:avoid;}
}

/* ── ACCESSIBILITY ── */
:focus-visible{outline:2px solid var(--accent);outline-offset:2px;}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}