/* FinNest — Smart Money Calculators & Guides
   Base stylesheet (self-contained, no external fonts/libraries) */

:root {
  --color-bg: #f6f8fa;
  --color-surface: #ffffff;
  --color-surface-2: #eef2f6;
  --color-text: #172130;
  --color-text-soft: #566173;
  --color-primary: #0f6e5c;
  --color-primary-dark: #0a4f42;
  --color-primary-soft: #e4f3ef;
  --color-accent: #c9971f;
  --color-accent-soft: #faf1dc;
  --color-border: #e3e8ee;
  --color-danger: #b3413a;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow: 0 2px 10px rgba(16, 32, 42, .06), 0 1px 2px rgba(16, 32, 42, .08);
  --shadow-lg: 0 12px 32px rgba(16, 32, 42, .12);
  --max-width: 1160px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

@media (prefers-color-scheme: dark) {
  :root {
    --color-bg: #0e1620;
    --color-surface: #151f2b;
    --color-surface-2: #1b2634;
    --color-text: #e8edf3;
    --color-text-soft: #a7b3c2;
    --color-primary: #2fbb9c;
    --color-primary-dark: #23a186;
    --color-primary-soft: #12332c;
    --color-accent: #e3b94a;
    --color-accent-soft: #33291a;
    --color-border: #253244;
    --shadow: 0 2px 10px rgba(0, 0, 0, .35);
    --shadow-lg: 0 12px 32px rgba(0, 0, 0, .45);
  }
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--color-primary-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.25; font-weight: 700; letter-spacing: -0.01em; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--color-primary);
  color: #fff; padding: 10px 16px; z-index: 200; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  backdrop-filter: saturate(180%) blur(8px);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { font-size: 1.35rem; font-weight: 800; color: var(--color-text); }
.logo span { color: var(--color-primary); }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a { color: var(--color-text-soft); font-weight: 600; font-size: 0.96rem; }
.main-nav a:hover, .main-nav a.active { color: var(--color-primary-dark); text-decoration: none; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--color-border); border-radius: 8px;
  width: 42px; height: 42px; font-size: 1.2rem; color: var(--color-text); cursor: pointer;
}

@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute; top: 68px; left: 0; right: 0; background: var(--color-surface);
    border-bottom: 1px solid var(--color-border); flex-direction: column; align-items: flex-start;
    padding: 12px 20px 20px; gap: 4px; display: none; box-shadow: var(--shadow);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 10px 0; width: 100%; }
}

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--color-primary-dark), var(--color-primary) 65%);
  color: #fff; padding: 64px 0 80px; margin-bottom: -40px;
}
.hero h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); margin: 0 0 14px; color: #fff; }
.hero p.lead { font-size: 1.15rem; color: rgba(255,255,255,.9); max-width: 640px; margin: 0 0 26px; }
.hero-search {
  background: var(--color-surface); border-radius: var(--radius); padding: 8px; display: flex;
  gap: 8px; max-width: 520px; box-shadow: var(--shadow-lg);
}
.hero-search input {
  flex: 1; border: none; background: transparent; padding: 12px 14px; font-size: 1rem; color: var(--color-text); outline: none;
}
.hero-badges { display: flex; gap: 18px; margin-top: 28px; flex-wrap: wrap; }
.hero-badge { font-size: 0.85rem; color: rgba(255,255,255,.85); display: flex; align-items: center; gap: 8px; }
.hero-badge b { color: #fff; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: var(--radius-sm); font-weight: 700; font-size: 0.98rem;
  border: none; cursor: pointer; transition: transform .12s ease, box-shadow .12s ease;
}
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--color-primary); color: #fff; }
.btn-primary:hover { background: var(--color-primary-dark); }
.btn-accent { background: var(--color-accent); color: #2b2005; }
.btn-block { width: 100%; }
.btn-ghost { background: var(--color-surface-2); color: var(--color-text); }

/* Cards / sections */
.section { padding: 56px 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 36px; }
.section-head h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 10px; }
.section-head p { color: var(--color-text-soft); }

.card {
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 24px;
}

.grid {
  display: grid; gap: 20px;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
}
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }

.tool-card {
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius);
  padding: 22px; box-shadow: var(--shadow); transition: transform .15s ease, box-shadow .15s ease;
  display: flex; flex-direction: column; gap: 10px;
}
.tool-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); text-decoration: none; }
.tool-icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--color-primary-soft);
  color: var(--color-primary-dark); display: flex; align-items: center; justify-content: center;
  font-size: 1.05rem; font-weight: 800; letter-spacing: -0.01em; flex-shrink: 0;
}
.tool-card h3 { margin: 0; font-size: 1.08rem; color: var(--color-text); }
.tool-card p { margin: 0; color: var(--color-text-soft); font-size: 0.92rem; }
.tool-card .tag {
  align-self: flex-start; font-size: 0.72rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  color: var(--color-primary-dark); background: var(--color-primary-soft); padding: 3px 9px; border-radius: 999px;
}

.guide-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.guide-card h3 { margin: 4px 0 8px; font-size: 1.08rem; }
.guide-card p { color: var(--color-text-soft); font-size: 0.92rem; margin: 0 0 10px; }
.guide-card .read-more { font-weight: 700; font-size: 0.88rem; }
.guide-meta { font-size: 0.78rem; color: var(--color-text-soft); text-transform: uppercase; letter-spacing: .03em; font-weight: 700; }

/* Breadcrumb */
.breadcrumb { font-size: 0.85rem; color: var(--color-text-soft); margin: 18px 0; }
.breadcrumb a { color: var(--color-text-soft); }
.breadcrumb span { margin: 0 6px; }

/* Tool page layout */
.tool-page-head { padding: 40px 0 8px; }
.tool-page-head h1 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); margin: 6px 0 10px; }
.tool-page-head p.lead { color: var(--color-text-soft); font-size: 1.05rem; max-width: 720px; }

.calculator {
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 28px; margin: 28px 0 8px;
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
@media (max-width: 640px) { .calc-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 0.88rem; font-weight: 700; color: var(--color-text); }
.field .hint { font-size: 0.78rem; color: var(--color-text-soft); }
.field input, .field select {
  padding: 12px 14px; border-radius: var(--radius-sm); border: 1.5px solid var(--color-border);
  background: var(--color-bg); color: var(--color-text); font-size: 1rem; width: 100%;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--color-primary); }
.calc-actions { display: flex; gap: 12px; margin-top: 22px; flex-wrap: wrap; }

.result-panel {
  margin-top: 24px; padding: 22px; border-radius: var(--radius); background: var(--color-primary-soft);
  border: 1px solid var(--color-primary); display: none;
}
.result-panel.visible { display: block; }
.result-panel .result-headline { font-size: 1.7rem; font-weight: 800; color: var(--color-primary-dark); margin: 0 0 6px; }
.result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 14px; margin-top: 14px; }
.result-item { background: var(--color-surface); border-radius: var(--radius-sm); padding: 12px 14px; border: 1px solid var(--color-border); }
.result-item .label { font-size: 0.76rem; color: var(--color-text-soft); text-transform: uppercase; letter-spacing: .03em; font-weight: 700; }
.result-item .value { font-size: 1.15rem; font-weight: 800; margin-top: 2px; }
.error-msg { color: var(--color-danger); font-size: 0.88rem; margin-top: 10px; display: none; font-weight: 600; }
.error-msg.visible { display: block; }

/* Article / guide content */
.article { padding: 40px 0 60px; }
.article-inner { max-width: 740px; margin: 0 auto; }
.article-inner h1 { font-size: clamp(1.7rem, 3.6vw, 2.4rem); margin-bottom: 8px; }
.article-meta { color: var(--color-text-soft); font-size: 0.88rem; margin-bottom: 28px; }
.article-inner h2 { margin-top: 38px; font-size: 1.4rem; }
.article-inner h3 { margin-top: 26px; font-size: 1.15rem; }
.article-inner p { margin: 14px 0; color: var(--color-text); }
.article-inner ul, .article-inner ol { margin: 14px 0; padding-left: 22px; }
.article-inner li { margin: 6px 0; }
.article-inner .callout {
  background: var(--color-accent-soft); border-left: 4px solid var(--color-accent);
  padding: 16px 18px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 22px 0;
}
.cta-box {
  margin-top: 40px; background: var(--color-surface-2); border-radius: var(--radius);
  padding: 24px; text-align: center; border: 1px solid var(--color-border);
}
.cta-box h3 { margin-top: 0; }

/* Content blocks reused on tool pages: how it works / faq */
.content-block { padding: 10px 0 30px; }
.content-block h2 { font-size: 1.5rem; margin-bottom: 14px; }
.content-block p { color: var(--color-text); }
.two-col { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items: start; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }

/* FAQ accordion (native details/summary, no JS) */
.faq-item {
  border: 1px solid var(--color-border); border-radius: var(--radius-sm); margin-bottom: 10px;
  background: var(--color-surface); overflow: hidden;
}
.faq-item summary {
  padding: 16px 18px; font-weight: 700; cursor: pointer; list-style: none; position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 18px; top: 14px; font-size: 1.3rem; color: var(--color-primary); font-weight: 400;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item .faq-answer { padding: 0 18px 18px; color: var(--color-text-soft); }

/* Related links */
.related { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; }
.related a {
  background: var(--color-surface-2); padding: 8px 14px; border-radius: 999px; font-size: 0.86rem;
  font-weight: 600; color: var(--color-text);
}
.related a:hover { background: var(--color-primary-soft); color: var(--color-primary-dark); text-decoration: none; }

/* Category filter pills (tools/guides index) */
.pill-row { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 28px; }
.pill {
  border: 1px solid var(--color-border); background: var(--color-surface); padding: 8px 16px;
  border-radius: 999px; font-size: 0.86rem; font-weight: 700; color: var(--color-text-soft); cursor: pointer;
}
.pill.active, .pill:hover { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }

/* Static pages (about/contact/legal) */
.page-content { padding: 48px 0 70px; }
.page-content .article-inner h2 { margin-top: 32px; }

.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-top: 20px; }
@media (max-width: 760px) { .contact-grid { grid-template-columns: 1fr; } }
.info-list { list-style: none; padding: 0; margin: 0; }
.info-list li { padding: 12px 0; border-bottom: 1px solid var(--color-border); }
.info-list b { display: block; font-size: 0.8rem; text-transform: uppercase; letter-spacing: .03em; color: var(--color-text-soft); margin-bottom: 3px; }

/* Footer */
.site-footer { background: var(--color-surface); border-top: 1px solid var(--color-border); margin-top: 60px; }
.footer-inner { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr 1fr; gap: 32px; padding: 48px 0 30px; }
@media (max-width: 960px) { .footer-inner { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 760px) { .footer-inner { grid-template-columns: 1fr 1fr; } }
.footer-col h4 { font-size: 0.85rem; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-soft); margin-bottom: 14px; }
.footer-col p { color: var(--color-text-soft); font-size: 0.9rem; }
.footer-col a { display: block; color: var(--color-text-soft); font-size: 0.92rem; padding: 5px 0; }
.footer-col a:hover { color: var(--color-primary-dark); }
.footer-bottom {
  border-top: 1px solid var(--color-border); padding: 20px 0 34px; display: flex; justify-content: space-between;
  flex-wrap: wrap; gap: 8px; color: var(--color-text-soft); font-size: 0.82rem;
}
.footer-bottom .disclaimer-note { max-width: 560px; }

/* 404 */
.notfound { text-align: center; padding: 100px 20px; }
.notfound h1 { font-size: 5rem; margin: 0; color: var(--color-primary); }

/* File tools: drop zone, file list, output list */
.file-drop {
  border: 2px dashed var(--color-border); border-radius: var(--radius); padding: 42px 20px;
  text-align: center; cursor: pointer; background: var(--color-bg); transition: border-color .15s ease, background .15s ease;
}
.file-drop:hover, .file-drop:focus-visible { border-color: var(--color-primary); }
.file-drop.dragover { border-color: var(--color-primary); background: var(--color-primary-soft); }
.file-drop input[type='file'] { display: none; }
.file-drop p { margin: 4px 0; }
.file-drop .hint { color: var(--color-text-soft); font-size: 0.85rem; }
.file-list { margin-top: 16px; display: flex; flex-direction: column; gap: 8px; }
.file-item {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  background: var(--color-surface-2); border-radius: var(--radius-sm); padding: 10px 14px; font-size: 0.9rem;
}
.file-item .remove-btn {
  background: none; border: none; color: var(--color-danger); cursor: pointer; font-weight: 700;
  font-size: 1rem; line-height: 1; padding: 4px 6px;
}
.tool-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px 20px; margin-top: 18px; }
.output-list { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
.output-item {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  background: var(--color-surface); border: 1px solid var(--color-primary); border-radius: var(--radius-sm); padding: 12px 16px;
}
.output-item .btn { padding: 8px 16px; font-size: 0.88rem; }
.privacy-note {
  display: flex; align-items: center; gap: 8px; font-size: 0.85rem; color: var(--color-text-soft);
  background: var(--color-surface-2); border-radius: var(--radius-sm); padding: 10px 14px; margin-top: 16px;
}

/* Utility */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.text-soft { color: var(--color-text-soft); }