:root{--ink:#022a31;--ink2:#0e4148;--teal:#006a67;--teal2:#00a38d;--mint:#dff7f2;--mist:#f3fbf9;--paper:#fbfffe;--line:#c7dfdb;--muted:#5b777b;--warn:#e96747;--gold:#f3b85f;--shadow:0 24px 55px rgba(2,42,49,.11);--soft:0 10px 25px rgba(2,42,49,.08);--radius:26px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:radial-gradient(circle at 80% 10%,#d7faf2 0,#f5fbfa 28%,#eff8f6 72%);color:var(--ink);font-family:Inter,Aptos,ui-sans-serif,system-ui,-apple-system,Segoe UI,Arial,sans-serif;letter-spacing:-.005em}body:before{content:"";position:fixed;inset:0;pointer-events:none;background-image:linear-gradient(rgba(0,106,103,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(0,106,103,.025) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(#000,transparent 75%)}a{text-decoration:none;color:inherit}.shell{max-width:1220px;margin:auto;padding-left:26px;padding-right:26px}.site-header{height:66px;position:sticky;top:0;z-index:30;display:flex;align-items:center;gap:26px;padding:0 max(26px,calc((100vw - 1220px)/2 + 26px));background:rgba(244,252,250,.78);backdrop-filter:blur(20px);border-bottom:1px solid rgba(0,106,103,.12)}.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:-.02em}.brand-mark{width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:linear-gradient(135deg,var(--teal),#033b43);color:white;box-shadow:inset 0 -6px 12px rgba(255,255,255,.12)}.desktop-nav{display:flex;align-items:center;justify-content:center;gap:8px;flex:1;font-size:13px}.desktop-nav a{padding:9px 13px;border-radius:999px;color:#345e63}.desktop-nav a:hover{background:#dff4f0;color:var(--ink)}.header-cta,.btn{border-radius:999px;font-weight:900;font-size:14px}.header-cta{background:var(--teal);color:#fff;padding:11px 17px;box-shadow:0 10px 22px rgba(0,106,103,.22)}.hero{min-height:650px;display:grid;grid-template-columns:1fr 1.03fr;gap:62px;align-items:center;padding-top:74px;padding-bottom:70px}.eyebrow,.kicker{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(0,106,103,.18);background:#dbf5f0;color:var(--teal);padding:7px 13px;border-radius:999px;font-size:12px;font-weight:900}.eyebrow:before,.kicker:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--teal2)}h1,h2{font-weight:950;letter-spacing:-.035em;line-height:.98;margin:16px 0;color:#012530}h1{font-size:clamp(50px,7vw,90px);max-width:680px}h2{font-size:clamp(36px,4.7vw,62px);max-width:800px}h3{letter-spacing:-.018em;margin:0 0 10px;font-size:20px}p{line-height:1.62}.hero-lead,.section-heading p{font-size:17px;color:var(--muted);max-width:740px}.hero-actions{display:flex;gap:15px;margin:28px 0 22px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 20px;transition:.18s ease}.btn:hover,.header-cta:hover{transform:translateY(-2px)}.btn-primary{background:linear-gradient(135deg,var(--teal),#034852);color:#fff;box-shadow:0 14px 30px rgba(0,106,103,.25)}.btn-ghost{background:rgba(255,255,255,.78);border:1px solid var(--line);box-shadow:var(--soft)}.trust-row{display:flex;gap:22px;flex-wrap:wrap;font-size:13px;color:#557276}.growth-card,.step-card,.broker-card,.calculator-card,.flow-card,.fund-card,.decision-card,.portfolio-card,.timeline article,.content-grid article,.article-card,.faq-list details,.newsletter{background:rgba(255,255,255,.88);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--radius)}.growth-card{position:relative;padding:26px;overflow:visible}.card-top{display:flex;justify-content:space-between;gap:20px}.card-top small,.calc-title small{display:block;color:#608085;font-weight:900;font-size:11px;letter-spacing:.08em}.card-top b{display:block;margin-top:6px}.card-top strong{font-size:26px;color:var(--teal)}canvas{width:100%;height:auto;display:block}.chart-legend{display:flex;justify-content:center;gap:26px;color:var(--muted);font-size:12px}.chart-legend i{display:inline-block;width:20px;height:3px;background:var(--teal);border-radius:4px;margin-right:7px;vertical-align:middle}.stat-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;border-top:1px solid var(--line);margin-top:16px;padding-top:16px}.stat-strip div,.metrics span{background:#f0faf7;border-radius:16px;padding:12px}.stat-strip small,.metrics small{display:block;color:#6b8387;text-transform:uppercase;font-weight:900;font-size:10px;letter-spacing:.08em}.stat-strip b,.metrics b{display:block;margin-top:4px}.floating-pill{position:absolute;right:24px;bottom:-22px;background:#012f38;color:#fff;border-radius:999px;padding:12px 18px;font-weight:900;font-size:13px;box-shadow:var(--soft)}.section{padding:92px 0}.section-heading{text-align:center;display:grid;justify-items:center;margin-bottom:40px}.section-heading.compact{text-align:left;justify-items:start}.step-grid,.broker-grid,.article-grid,.content-grid,.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step-card,.content-grid article,.insight-grid article{padding:26px}.step-card span{display:grid;place-items:center;width:42px;height:42px;background:var(--mint);border-radius:50%;font-weight:950;color:var(--teal);margin-bottom:20px}.compare-toolbar,.calc-tabs,.portfolio-controls{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0 24px}.compare-toolbar button,.calc-tabs button,.portfolio-controls button{border:1px solid var(--line);background:rgba(255,255,255,.75);border-radius:999px;padding:12px 16px;color:#32585d;font-weight:900;cursor:pointer}.compare-toolbar button.active,.calc-tabs button.active,.portfolio-controls button.active{background:var(--ink);color:#fff;border-color:var(--ink)}.broker-grid{align-items:stretch}.broker-card{padding:0;display:flex;flex-direction:column;overflow:hidden;min-height:590px}.broker-head{padding:24px;border-bottom:1px solid var(--line);background:linear-gradient(140deg,#fff,#ecfaf6)}.broker-logo-row{display:flex;align-items:center;justify-content:space-between}.logo-badge{width:46px;height:46px;border-radius:16px;display:grid;place-items:center;background:var(--ink);color:white;font-weight:950}.rating{color:#b77916;font-weight:900}.broker-head h3{font-size:26px;margin-top:16px}.best-badge{display:inline-flex;background:#fff5d9;border:1px solid #edd18a;color:#6e4c0b;border-radius:999px;padding:6px 10px;font-weight:900;font-size:12px;margin-top:6px}.broker-table{padding:20px 24px;display:grid;gap:10px;flex:1}.broker-row{display:flex;justify-content:space-between;gap:14px;border-bottom:1px dashed #d6e8e4;padding-bottom:9px}.broker-row span:first-child{color:var(--muted);font-weight:800}.broker-row span:last-child{text-align:right;font-weight:900}.proscons{display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:0 24px 20px}.proscons div{background:#f3fbf9;border-radius:16px;padding:13px}.proscons b{font-size:12px;text-transform:uppercase;color:var(--teal)}.proscons p{font-size:13px;margin:5px 0 0}.broker-card .btn{margin:0 24px 24px}.broker-note{margin-top:18px;background:#fff8e9;border:1px solid #f0d39a;border-radius:18px;padding:16px;color:#684d17}.calculator-card{padding:26px;display:grid;grid-template-columns:360px 1fr;gap:28px}.calc-title h3{font-size:28px}.input-grid{display:grid;gap:14px}.field label{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);font-weight:900}.field input,.field select{width:100%;margin-top:8px;border:1px solid var(--line);border-radius:16px;padding:13px;background:white;font:inherit;color:var(--ink);font-weight:750}.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}.chart-wrap{position:relative;background:linear-gradient(180deg,#fbfffe,#f1fbf8);border:1px solid var(--line);border-radius:22px;padding:12px}.chart-tooltip{position:absolute;pointer-events:none;background:#012f38;color:#fff;border-radius:12px;padding:8px 10px;font-size:12px;box-shadow:var(--soft);white-space:pre}.calc-explain{font-size:14px;color:var(--muted);margin:14px 0 0}.flow-card{padding:28px;display:flex;align-items:center;justify-content:center;gap:18px}.flow-node{background:#ecfaf6;border:1px solid var(--line);border-radius:18px;padding:18px 24px;font-weight:950;text-align:center}.flow-node.wide{background:var(--ink);color:white}.flow-arrow{font-size:26px;color:var(--teal);font-weight:950}.fund-compare{display:grid;grid-template-columns:1fr 1fr;gap:24px}.fund-card{padding:28px;position:relative;overflow:hidden}.fund-card.featured{border-color:#92d9cd}.fund-logo{width:54px;height:54px;border-radius:18px;display:grid;place-items:center;font-weight:950;color:white;margin-bottom:18px}.vanguard{background:#a3302b}.amundi{background:#16645d}.fund-card h3{font-size:34px}.fund-name{color:var(--muted);font-weight:800}.fund-card li{margin:12px 0;line-height:1.5}.decision-card{margin-top:24px;padding:26px;display:flex;align-items:center;gap:28px;justify-content:space-between}.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.timeline article{padding:26px}.timeline small{font-weight:950;color:var(--teal);text-transform:uppercase}.portfolio-card{display:grid;grid-template-columns:420px 1fr;align-items:center;gap:28px;padding:28px}.profile-line{display:flex;align-items:center;gap:10px;margin:12px 0}.profile-dot{width:12px;height:12px;border-radius:50%;background:var(--teal)}.article-card{padding:24px;transition:.18s ease}.article-card:hover{transform:translateY(-4px)}.article-card span{color:var(--teal);font-size:12px;font-weight:950;text-transform:uppercase}.article-card h3{font-size:22px;margin-top:10px}.faq-list{display:grid;gap:14px}.faq-list details{padding:20px}.faq-list summary{font-weight:950;cursor:pointer}.newsletter{margin-bottom:70px;padding:36px;display:grid;grid-template-columns:1fr 420px;gap:32px;align-items:center;background:linear-gradient(135deg,#fff,#e5f8f3)}.newsletter h2{font-size:44px}.newsletter form{display:flex;gap:10px}.newsletter input{flex:1;border:1px solid var(--line);border-radius:999px;padding:0 18px;font:inherit}.footer{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:28px;padding-bottom:38px;color:var(--muted);font-size:14px}.reveal{animation:rise .7s ease both}.delay-1{animation-delay:.15s}@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}@media(max-width:930px){.desktop-nav{display:none}.hero,.calculator-card,.portfolio-card,.newsletter{grid-template-columns:1fr}.step-grid,.broker-grid,.article-grid,.content-grid,.insight-grid,.timeline,.fund-compare{grid-template-columns:1fr}.hero{gap:30px;padding-top:40px}.section{padding:64px 0}.proscons{grid-template-columns:1fr}.decision-card{display:block}.flow-card{flex-direction:column}.flow-arrow{transform:rotate(90deg)}.metrics,.stat-strip{grid-template-columns:1fr}.newsletter form{min-height:48px}}@media(max-width:560px){.shell{padding-left:18px;padding-right:18px}.site-header{padding:0 18px}.header-cta{display:none}h1{font-size:48px}.hero-actions{flex-direction:column}.btn{width:100%}.newsletter form{flex-direction:column}.footer{display:block}.calculator-card{padding:18px}.calc-tabs button,.compare-toolbar button{flex:1}.portfolio-card{padding:18px}}
.ak-section {
  background: linear-gradient(180deg, #eefbf8 0%, #f7fcfb 100%);
  padding: 96px 20px;
}

.ak-wrap {
  max-width: 1180px;
  margin: 0 auto;
}

.ak-head {
  max-width: 760px;
  margin-bottom: 34px;
}

.ak-pill {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  padding: 8px 13px;
  border-radius: 999px;
  background: #dff6f1;
  border: 1px solid #a9ded6;
  color: #006a67;
  font-size: 12px;
  font-weight: 900;
  margin-bottom: 16px;
}

.ak-head h2 {
  font-size: clamp(38px, 5vw, 64px);
  line-height: .96;
  letter-spacing: -0.035em;
  margin: 0 0 18px;
  color: #002b36;
}

.ak-head p,
.ak-left p,
.ak-card p,
.ak-products p,
.ak-compare p {
  color: #42636b;
  line-height: 1.65;
}

.ak-shell {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 24px;
  margin-bottom: 24px;
}

.ak-left,
.ak-card,
.ak-products article,
.ak-compare {
  background: rgba(255,255,255,.9);
  border: 1px solid #cfe3df;
  border-radius: 28px;
  box-shadow: 0 24px 60px rgba(0,43,54,.09);
}

.ak-left {
  padding: 26px;
}

.ak-left h3 {
  margin: 0 0 18px;
  color: #002b36;
  font-size: 22px;
}

.ak-options {
  display: grid;
  gap: 10px;
}

.ak-options button {
  appearance: none;
  border: 1px solid #cfe3df;
  background: linear-gradient(135deg, #ffffff, #effaf7);
  border-radius: 16px;
  padding: 14px 16px;
  color: #002b36;
  font-weight: 900;
  text-align: left;
  cursor: pointer;
  transition: .2s ease;
}

.ak-options button:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(0,43,54,.1);
}

.ak-options button.active {
  background: #006a67;
  color: white;
  border-color: #006a67;
}

.ak-note {
  margin-top: 18px;
  padding: 14px;
  border-radius: 16px;
  background: #fff8e8;
  border: 1px solid #efd59b;
  font-size: 13px;
}

.ak-card {
  padding: 34px;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 28px;
  position: relative;
  overflow: hidden;
}

.ak-card:after {
  content: "";
  position: absolute;
  right: -90px;
  top: -90px;
  width: 280px;
  height: 280px;
  background: radial-gradient(circle, rgba(0,163,141,.22), transparent 65%);
}

.ak-badge {
  display: inline-flex;
  padding: 8px 13px;
  border-radius: 999px;
  background: #dff6f1;
  color: #006a67;
  font-size: 12px;
  font-weight: 900;
  margin-bottom: 14px;
}

.ak-card h3 {
  margin: 0 0 14px;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1;
  letter-spacing: -0.03em;
  color: #002b36;
}

.ak-facts {
  display: grid;
  gap: 10px;
  position: relative;
  z-index: 2;
}

.ak-fact {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 14px 0;
  border-bottom: 1px dashed #d4e7e3;
}

.ak-fact span {
  color: #668087;
  font-weight: 800;
}

.ak-fact strong {
  color: #002b36;
  text-align: right;
}

.ak-reason {
  margin-top: 18px;
  padding: 18px;
  border-radius: 20px;
  background: linear-gradient(135deg, #effaf7, #ffffff);
  border: 1px solid #d4e7e3;
}

.ak-btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 44px;
  padding: 0 18px;
  border-radius: 999px;
  background: #006a67;
  color: white;
  font-weight: 900;
  text-decoration: none;
  margin-top: 10px;
}

.ak-products {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin: 24px 0;
}

.ak-products article {
  padding: 24px;
  transition: .2s ease;
}

.ak-products article:hover {
  transform: translateY(-4px);
}

.ak-products span {
  display: inline-flex;
  color: #006a67;
  font-size: 12px;
  font-weight: 950;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.ak-products h3 {
  color: #002b36;
  margin: 0 0 10px;
  font-size: 21px;
  line-height: 1.1;
}

.ak-products strong {
  display: block;
  margin-top: 16px;
  color: #002b36;
  font-size: 18px;
}

.ak-compare {
  padding: 30px;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 34px;
  align-items: center;
  background: linear-gradient(135deg, white, #e4f8f3);
}

.ak-compare h3 {
  color: #002b36;
  font-size: 38px;
  line-height: 1;
  letter-spacing: -0.03em;
  margin: 0 0 14px;
}

.ak-bars {
  display: grid;
  gap: 14px;
}

.ak-bars div {
  position: relative;
  overflow: hidden;
  background: rgba(255,255,255,.76);
  border: 1px solid #cfe3df;
  border-radius: 18px;
  padding: 15px;
}

.ak-bars b {
  position: absolute;
  inset: 0 auto 0 0;
  background: linear-gradient(90deg, rgba(0,163,141,.2), rgba(0,106,103,.04));
}

.ak-bars span,
.ak-bars em {
  position: relative;
  z-index: 2;
  display: block;
  font-style: normal;
  font-weight: 900;
}

.ak-bars span {
  color: #002b36;
}

.ak-bars em {
  color: #006a67;
  font-size: 13px;
  margin-top: 4px;
}

@media (max-width: 920px) {
  .ak-shell,
  .ak-card,
  .ak-compare {
    grid-template-columns: 1fr;
  }

  .ak-products {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 620px) {
  .ak-products {
    grid-template-columns: 1fr;
  }

  .ak-section {
    padding: 70px 16px;
  }
}
.hero-v2 {
  min-height: 620px;
  grid-template-columns: .9fr 1.05fr;
  gap: 70px;
}

.hero-v2 h1 {
  font-size: clamp(48px, 6.4vw, 86px);
  line-height: .92;
  letter-spacing: -0.055em;
  max-width: 560px;
}

.hero-v2 .hero-lead {
  max-width: 540px;
  font-size: 18px;
}

.hero-v2 .hero-lead strong {
  color: var(--ink);
  font-weight: 950;
}

.hero-chart-card {
  padding: 28px;
  border-radius: 28px;
  background: rgba(255,255,255,.9);
  max-width: 560px;
  justify-self: end;
}

.expected-value {
  text-align: right;
}

.expected-value strong {
  display: block;
  margin-top: 4px;
  font-size: 28px;
  color: var(--teal);
}

.hero-chart-shell {
  position: relative;
  margin-top: 8px;
  border-bottom: 1px solid var(--line);
}

.hero-tooltip {
  position: absolute;
  pointer-events: none;
  background: white;
  border: 1px solid var(--line);
  color: var(--ink);
  border-radius: 12px;
  padding: 11px 13px;
  font-size: 12px;
  font-weight: 850;
  box-shadow: var(--soft);
  transform: translate(-50%, -115%);
  white-space: nowrap;
}

.hero-tooltip::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: -6px;
  width: 10px;
  height: 10px;
  background: white;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  transform: translateX(-50%) rotate(45deg);
}

.hero-stats {
  border-top: 0;
  margin-top: 14px;
  padding-top: 0;
}

.hero-stats div {
  background: transparent;
  padding: 0;
}

.hero-stats small {
  color: #607f84;
}

.hero-stats b {
  font-size: 17px;
}

.hero-stats div:nth-child(2) b {
  color: #00a86b;
}

.hero-proof span {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.hero-v2 .floating-pill {
  right: 26px;
  bottom: -20px;
  background: var(--teal);
}

@media (max-width: 930px) {
  .hero-v2 {
    grid-template-columns: 1fr;
  }

  .hero-chart-card {
    justify-self: stretch;
    max-width: none;
  }
}

@media (max-width: 560px) {
  .hero-v2 h1 {
    font-size: 52px;
  }

  .hero-stats {
    grid-template-columns: 1fr 1fr 1fr;
  }

  .hero-stats b {
    font-size: 14px;
  }
}
.hero-chart-card {
  overflow: hidden;
  padding-bottom: 34px;
}

.hero-chart-shell {
  overflow: hidden;
  padding-bottom: 4px;
}

.hero-chart-shell canvas {
  display: block;
  max-width: 100%;
}

.hero-stats {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  align-items: stretch;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

.hero-stats div {
  min-width: 0;
  background: #f0faf7;
  border-radius: 18px;
  padding: 16px 18px;
}

.hero-stats small {
  display: block;
  white-space: nowrap;
  font-size: 11px;
  letter-spacing: .08em;
  color: #607f84;
}

.hero-stats b {
  display: block;
  margin-top: 8px;
  white-space: nowrap;
  font-size: clamp(16px, 1.6vw, 19px);
  line-height: 1.1;
}

.hero-stats div:nth-child(2) b {
  color: #00a86b;
}

.hero-v2 .floating-pill {
  right: 28px;
  bottom: 18px;
  transform: none;
  z-index: 5;
}

.hero-chart-card {
  padding-bottom: 84px;
}

@media (max-width: 620px) {
  .hero-stats {
    gap: 8px;
  }

  .hero-stats div {
    padding: 12px 10px;
  }

  .hero-stats small {
    font-size: 9px;
  }

  .hero-stats b {
    font-size: 13px;
  }

  .hero-v2 .floating-pill {
    left: 18px;
    right: 18px;
    justify-content: center;
    text-align: center;
  }

  .hero-chart-card {
    padding-bottom: 86px;
  }
}
/* --- Polished design-system sections from reference screens --- */
.section-heading-wide{max-width:980px;margin-inline:0 auto}.section-heading.centered{text-align:center;justify-items:center}.section-heading.centered h2{margin-inline:auto}.section-heading.centered p{margin-inline:auto}.vwce-breakdown-section,.tbsz-showcase,.portfolio-showcase,.life-stage-section{position:relative}.market-card{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px;align-items:center;background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:30px;padding:34px;box-shadow:var(--shadow);overflow:hidden}.market-bars{display:grid;gap:14px}.market-bar{border:1px solid var(--line);border-radius:16px;background:rgba(255,255,255,.72);padding:14px 16px}.market-bar div{display:flex;align-items:center;justify-content:space-between;gap:14px;font-weight:950}.market-bar span{font-size:14px;color:var(--ink)}.market-bar i{display:block;height:6px;border-radius:999px;background:linear-gradient(90deg,var(--teal),var(--teal2));margin-top:10px}.market-info-card{background:linear-gradient(135deg,#dff7f2,#d5f5ec);border:1px solid rgba(0,106,103,.09);border-radius:28px;padding:34px;box-shadow:inset 0 1px 0 rgba(255,255,255,.5)}.market-info-card>span{display:block;text-transform:uppercase;letter-spacing:.09em;font-weight:950;color:var(--teal);font-size:12px;margin-bottom:18px}.market-info-card h3{font-size:clamp(28px,3.4vw,42px);line-height:1.05;letter-spacing:-.035em;margin-bottom:18px}.market-info-card p{color:var(--ink2);max-width:560px}.market-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.market-facts div{background:rgba(255,255,255,.72);border-radius:16px;padding:15px}.market-facts small{display:block;text-transform:uppercase;letter-spacing:.08em;color:#557276;font-weight:900;font-size:10px}.market-facts b{display:block;margin-top:5px}.refined-funds{margin-top:24px}.tbsz-showcase .section-heading h2{font-size:clamp(42px,5.5vw,70px);max-width:930px}.tbsz-timeline article{min-height:178px;background:rgba(255,255,255,.88);border-radius:28px}.tbsz-timeline article.featured{background:#dff7f2;border:2px solid var(--teal);box-shadow:0 24px 55px rgba(0,106,103,.12)}.tbsz-timeline article h3{font-size:24px}.tbsz-compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:28px}.tbsz-compare-grid article{background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:var(--shadow);min-height:230px}.tbsz-compare-grid h3{font-size:28px;margin-bottom:22px}.tbsz-compare-grid p{color:var(--ink2);margin:0 0 14px}.portfolio-showcase .section-heading h2{font-size:clamp(42px,5.5vw,70px);max-width:760px}.portfolio-card-modern{grid-template-columns:1fr 1.05fr;grid-template-areas:"tabs tabs" "chart text";padding:36px;border-radius:30px;background:rgba(255,255,255,.9);box-shadow:var(--shadow)}.portfolio-card-modern .portfolio-controls{grid-area:tabs;margin:0 0 20px}.portfolio-card-modern canvas{grid-area:chart;max-width:420px;justify-self:center}.portfolio-card-modern #portfolioText{grid-area:text;align-self:center;max-width:460px}.portfolio-card-modern #portfolioText h3{font-size:30px;margin-bottom:14px}.portfolio-card-modern #portfolioText p{color:var(--ink2);font-size:17px}.portfolio-controls button{background:white}.portfolio-controls button.active{background:var(--ink);border-color:var(--ink);color:white}.portfolio-meta{display:flex;gap:14px;margin:22px 0}.portfolio-meta span{background:#e9f8f5;border-radius:16px;padding:14px 22px;min-width:110px}.portfolio-meta small{display:block;text-transform:uppercase;letter-spacing:.08em;color:#607f84;font-weight:950;font-size:10px}.portfolio-meta b{display:block;margin-top:5px}.profile-line{border:1px solid var(--line);border-radius:14px;padding:12px 14px;margin:10px 0;display:grid;grid-template-columns:16px 1fr auto;gap:12px;align-items:center;background:rgba(255,255,255,.7)}.profile-line span:last-child{font-weight:800}.profile-dot{width:10px;height:10px;border-radius:50%}.life-stage-section .section-heading h2{font-size:clamp(42px,5.4vw,70px);max-width:800px}.life-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:46px}.life-grid article{background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow);min-height:160px;transition:transform .18s ease, box-shadow .18s ease}.life-grid article:hover{transform:translateY(-4px);box-shadow:0 28px 60px rgba(2,42,49,.13)}.life-grid span{display:grid;place-items:center;width:42px;height:42px;background:var(--mint);color:var(--teal);border-radius:14px;font-weight:950;margin-bottom:16px}.life-grid h3{font-size:24px}.life-grid p{color:var(--muted)}@media(max-width:930px){.market-card,.portfolio-card-modern,.tbsz-compare-grid{grid-template-columns:1fr}.portfolio-card-modern{grid-template-areas:"tabs" "chart" "text"}.life-grid{grid-template-columns:1fr}.market-facts{grid-template-columns:1fr}.section-heading-wide{max-width:100%}}@media(max-width:620px){.market-card{padding:20px}.market-info-card{padding:24px}.portfolio-card-modern{padding:20px}.portfolio-meta{flex-direction:column}.tbsz-compare-grid article{min-height:0}.life-grid{gap:16px}}
/* First steps cards — screenshot style */
.first-steps .step-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  align-items: stretch;
}

.first-steps .step-card {
  position: relative;
  min-height: 210px;
  padding: 32px 28px 28px;
  border-radius: 24px;
  border: 1px solid rgba(15, 75, 80, .14);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 14px 34px rgba(15, 42, 50, .08);
  transition:
    transform .22s ease,
    box-shadow .22s ease,
    border-color .22s ease,
    background .22s ease;
  overflow: hidden;
}

.first-steps .step-card::after {
  content: "";
  position: absolute;
  inset: auto -40px -55px auto;
  width: 150px;
  height: 150px;
  border-radius: 999px;
  background: radial-gradient(circle, rgba(0, 163, 141, .13), transparent 68%);
  opacity: 0;
  transition: opacity .22s ease, transform .22s ease;
}

.first-steps .step-card:hover {
  transform: translateY(-7px);
  border-color: rgba(0, 106, 103, .32);
  background: linear-gradient(180deg, #ffffff 0%, #f1fbf8 100%);
  box-shadow:
    0 4px 14px rgba(15, 42, 50, .06),
    0 26px 56px rgba(15, 75, 80, .18);
}

.first-steps .step-card:hover::after {
  opacity: 1;
  transform: scale(1.08);
}

.first-steps .step-card span {
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
  border-radius: 999px;
  background: #dff7f2;
  color: #006a67;
  font-size: 0;
  box-shadow: inset 0 0 0 1px rgba(0, 106, 103, .08);
}

.first-steps .step-card span::before {
  font-size: 18px;
  line-height: 1;
}

.first-steps .step-card:nth-child(1) span::before {
  content: "◎";
}

.first-steps .step-card:nth-child(2) span::before {
  content: "⚑";
}

.first-steps .step-card:nth-child(3) span::before {
  content: "▣";
}

.first-steps .step-card h3 {
  position: relative;
  z-index: 2;
  margin: 0 0 10px;
  font-size: 18px;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: #022a31;
}

.first-steps .step-card p {
  position: relative;
  z-index: 2;
  margin: 0;
  max-width: 94%;
  font-size: 14px;
  line-height: 1.55;
  color: #5b777b;
}

@media (max-width: 930px) {
  .first-steps .step-grid {
    grid-template-columns: 1fr;
  }

  .first-steps .step-card {
    min-height: auto;
  }
}
/* ETF explainer section */
.etf-explainer {
  padding-top: 92px;
  padding-bottom: 92px;
}

.etf-heading {
  margin-bottom: 44px;
}

.etf-heading h2 {
  max-width: 760px;
}

.etf-heading p {
  max-width: 720px;
}

.etf-explainer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, .95fr);
  gap: 48px;
  align-items: center;
}

.etf-flow-list {
  display: grid;
  gap: 14px;
}

.etf-flow-item {
  display: grid;
  grid-template-columns: 58px 1fr;
  align-items: center;
  gap: 18px;
  min-height: 104px;
  padding: 20px 24px;
  border-radius: 24px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 14px 34px rgba(15, 42, 50, .08);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}

.etf-flow-item:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 106, 103, .32);
  box-shadow:
    0 4px 14px rgba(15, 42, 50, .06),
    0 26px 56px rgba(15, 75, 80, .16);
}

.etf-icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 999px;
  background: #006a67;
  color: #fff;
  font-size: 21px;
  font-weight: 900;
}

.etf-flow-item h3 {
  margin: 0 0 4px;
  font-size: 18px;
  color: #022a31;
}

.etf-flow-item p {
  margin: 0;
  font-size: 14px;
  color: #5b777b;
}

.etf-flow-arrow {
  text-align: center;
  color: #7fb7ad;
  font-size: 28px;
  line-height: 1;
  font-weight: 900;
}

.etf-benefits-card {
  padding: 32px;
  border-radius: 24px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 14px 34px rgba(15, 42, 50, .08);
}

.etf-benefits-card h3 {
  margin: 0 0 18px;
  font-size: 22px;
  color: #022a31;
}

.etf-benefits-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 13px;
}

.etf-benefits-card li {
  position: relative;
  padding-left: 26px;
  color: #022a31;
  font-size: 14px;
  line-height: 1.45;
}

.etf-benefits-card li::before {
  content: "✣";
  position: absolute;
  left: 0;
  top: 0;
  color: #006a67;
  font-weight: 900;
}

@media (max-width: 930px) {
  .etf-explainer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

@media (max-width: 560px) {
  .etf-flow-item {
    grid-template-columns: 46px 1fr;
    padding: 18px;
  }

  .etf-icon {
    width: 40px;
    height: 40px;
    font-size: 17px;
  }

  .etf-benefits-card {
    padding: 24px;
  }
}
/* VWCE breakdown section */
.vwce-breakdown-section {
  padding-top: 92px;
  padding-bottom: 92px;
}

.vwce-heading {
  margin-bottom: 42px;
}

.vwce-heading h2 {
  max-width: 780px;
}

.vwce-heading p {
  max-width: 680px;
}

.vwce-breakdown-card {
  display: grid;
  grid-template-columns: minmax(320px, .95fr) minmax(380px, 1.15fr);
  gap: 34px;
  align-items: center;
  padding: 44px 48px;
  border-radius: 28px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 18px 42px rgba(15, 42, 50, .09);
}

.region-list {
  display: grid;
  gap: 12px;
}

.region-item {
  padding: 16px 18px 13px;
  border-radius: 18px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: rgba(255,255,255,.78);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease, background .2s ease;
}

.region-item:hover,
.region-item.active {
  transform: translateY(-2px);
  border-color: #006a67;
  background: #e5f8f3;
  box-shadow: 0 14px 28px rgba(15, 75, 80, .1);
}

.region-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 10px;
  font-weight: 950;
  color: #022a31;
}

.region-top span {
  display: inline-flex;
  align-items: center;
  gap: 9px;
}

.dot {
  width: 10px;
  height: 10px;
  display: inline-block;
  border-radius: 999px;
  background: #006a67;
}

.dot.usa { background: #007a72; }
.dot.europe { background: #00a38d; }
.dot.japan { background: #7bdacb; }
.dot.emerging { background: #007a95; }
.dot.other { background: #f3a33d; }

.region-bar {
  height: 5px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(0, 106, 103, .08);
}

.region-bar b {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: #007a72;
}

.region-item p {
  margin: 9px 0 0;
  font-size: 12px;
  color: #5b777b;
}

.vwce-info-card {
  padding: 34px;
  border-radius: 24px;
  background: linear-gradient(135deg, #e5f8f3 0%, #d0f6ee 100%);
}

.vwce-info-card > span {
  display: block;
  margin-bottom: 16px;
  color: #006a67;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.vwce-info-card h3 {
  margin: 0 0 18px;
  max-width: 520px;
  color: #022a31;
  font-size: clamp(30px, 3.3vw, 42px);
  line-height: 1.02;
  letter-spacing: -0.035em;
}

.vwce-info-card p {
  margin: 0;
  max-width: 560px;
  color: #214c53;
  font-size: 15px;
  line-height: 1.6;
}

.vwce-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 28px;
}

.vwce-stats div {
  padding: 18px 16px;
  border-radius: 16px;
  background: rgba(255,255,255,.72);
}

.vwce-stats small {
  display: block;
  margin-bottom: 6px;
  color: #5b777b;
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
}

.vwce-stats strong {
  display: block;
  color: #022a31;
  font-size: 17px;
}

@media (max-width: 930px) {
  .vwce-breakdown-card {
    grid-template-columns: 1fr;
    padding: 28px;
  }
}

@media (max-width: 560px) {
  .vwce-breakdown-card {
    padding: 20px;
    border-radius: 22px;
  }

  .vwce-info-card {
    padding: 24px;
  }

  .vwce-stats {
    grid-template-columns: 1fr;
  }
}
/* VWCE + WEBN all-world section */
.vwce-breakdown-section {
  padding-top: 92px;
  padding-bottom: 92px;
}

.vwce-heading {
  margin-bottom: 42px;
}

.vwce-heading h2 {
  max-width: 860px;
}

.vwce-heading p {
  max-width: 760px;
}

.vwce-breakdown-card {
  display: grid;
  grid-template-columns: minmax(320px, .95fr) minmax(380px, 1.15fr);
  gap: 34px;
  align-items: center;
  padding: 44px 48px;
  border-radius: 28px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 18px 42px rgba(15, 42, 50, .09);
}

.region-list {
  display: grid;
  gap: 12px;
}

.region-item {
  padding: 16px 18px 13px;
  border-radius: 18px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: rgba(255,255,255,.78);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease, background .2s ease;
}

.region-item:hover,
.region-item.active {
  transform: translateY(-2px);
  border-color: #006a67;
  background: #e5f8f3;
  box-shadow: 0 14px 28px rgba(15, 75, 80, .1);
}

.region-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 10px;
  font-weight: 950;
  color: #022a31;
}

.region-top span {
  display: inline-flex;
  align-items: center;
  gap: 9px;
}

.dot {
  width: 10px;
  height: 10px;
  display: inline-block;
  border-radius: 999px;
}

.dot.usa { background: #007a72; }
.dot.europe { background: #00a38d; }
.dot.japan { background: #7bdacb; }
.dot.emerging { background: #007a95; }
.dot.other { background: #f3a33d; }

.region-bar {
  height: 5px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(0, 106, 103, .08);
}

.region-bar b {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: #007a72;
}

.region-item p {
  margin: 9px 0 0;
  font-size: 12px;
  color: #5b777b;
}

.vwce-info-card {
  padding: 34px;
  border-radius: 24px;
  background: linear-gradient(135deg, #e5f8f3 0%, #d0f6ee 100%);
}

.vwce-info-card > span,
.allworld-card > span,
.allworld-decision > span {
  display: block;
  margin-bottom: 14px;
  color: #006a67;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.vwce-info-card h3 {
  margin: 0 0 18px;
  max-width: 520px;
  color: #022a31;
  font-size: clamp(30px, 3.3vw, 42px);
  line-height: 1.02;
  letter-spacing: -0.035em;
}

.vwce-info-card p {
  margin: 0;
  max-width: 560px;
  color: #214c53;
  font-size: 15px;
  line-height: 1.6;
}

.vwce-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 28px;
}

.vwce-stats div {
  padding: 18px 16px;
  border-radius: 16px;
  background: rgba(255,255,255,.72);
}

.vwce-stats small {
  display: block;
  margin-bottom: 6px;
  color: #5b777b;
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
}

.vwce-stats strong {
  display: block;
  color: #022a31;
  font-size: 17px;
}

.allworld-compare {
  display: grid;
  grid-template-columns: 1fr 1fr 1.08fr;
  gap: 22px;
  margin-top: 24px;
}

.allworld-card,
.allworld-decision {
  padding: 28px;
  border-radius: 26px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 14px 34px rgba(15, 42, 50, .08);
}

.allworld-card.featured {
  border-color: rgba(0, 106, 103, .35);
  background: linear-gradient(180deg, #ffffff 0%, #ecfaf6 100%);
}

.allworld-card h3,
.allworld-decision h3 {
  margin: 0 0 8px;
  font-size: 34px;
  color: #022a31;
}

.allworld-card .fund-name {
  margin: 0 0 18px;
  color: #5b777b;
  font-weight: 800;
}

.allworld-card ul {
  margin: 0;
  padding-left: 18px;
}

.allworld-card li {
  margin: 10px 0;
  line-height: 1.45;
  color: #214c53;
}

.allworld-decision p {
  color: #214c53;
}

.allworld-decision .btn {
  margin-top: 12px;
}

@media (max-width: 980px) {
  .vwce-breakdown-card,
  .allworld-compare {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  .vwce-breakdown-card,
  .allworld-card,
  .allworld-decision {
    padding: 22px;
    border-radius: 22px;
  }

  .vwce-stats {
    grid-template-columns: 1fr;
  }
}
/* ETF vs állampapír choice section */
.etf-bond-choice {
  padding-top: 84px;
  padding-bottom: 84px;
}

.etf-bond-choice .section-heading {
  margin-bottom: 34px;
}

.etf-bond-choice h2 {
  max-width: 900px;
}

.choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.choice-card {
  padding: 34px;
  border-radius: 26px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow:
    0 1px 2px rgba(15, 42, 50, .04),
    0 14px 34px rgba(15, 42, 50, .08);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}

.choice-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 106, 103, .32);
  box-shadow:
    0 4px 14px rgba(15, 42, 50, .06),
    0 26px 56px rgba(15, 75, 80, .16);
}

.choice-card.featured {
  border-color: #006a67;
  background: linear-gradient(135deg, #e7f8f4 0%, #d8f6ef 100%);
}

.choice-card h3 {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 18px;
  font-size: 27px;
  line-height: 1.15;
  color: #022a31;
}

.choice-icon {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 999px;
  color: #006a67;
  background: #dff7f2;
  font-size: 17px;
  flex: 0 0 auto;
}

.choice-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 12px;
}

.choice-card li {
  color: #214c53;
  font-size: 15px;
  line-height: 1.45;
}

@media (max-width: 820px) {
  .choice-grid {
    grid-template-columns: 1fr;
  }

  .choice-card h3 {
    font-size: 23px;
  }
}
.faq-list details p {
  max-width: 860px;
}

.faq-list details {
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.faq-list details:hover {
  transform: translateY(-2px);
  border-color: rgba(0, 106, 103, .28);
}
.hero-v2 h1 {
  font-size: clamp(32px, 5.2vw, 62px);
  line-height: .96;
  letter-spacing: -0.045em;
}
.invest-choice-section {
  padding-top: 76px;
  padding-bottom: 76px;
}

.invest-choice-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.invest-choice-grid article {
  padding: 28px;
  border-radius: 26px;
  border: 1px solid rgba(15, 75, 80, .16);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffe 100%);
  box-shadow: 0 1px 2px rgba(15,42,50,.04), 0 14px 34px rgba(15,42,50,.08);
  transition: .22s ease;
}

.invest-choice-grid article:hover {
  transform: translateY(-5px);
  border-color: rgba(0,106,103,.32);
  box-shadow: 0 26px 56px rgba(15,75,80,.16);
}

.invest-choice-grid span {
  display: inline-flex;
  margin-bottom: 14px;
  padding: 7px 12px;
  border-radius: 999px;
  background: #dff7f2;
  color: #006a67;
  font-size: 12px;
  font-weight: 900;
}

.invest-choice-grid h3 {
  font-size: 24px;
}

.invest-choice-grid p {
  color: #5b777b;
}

.invest-choice-grid a {
  display: inline-flex;
  margin-top: 12px;
  color: #006a67;
  font-weight: 900;
}

@media (max-width: 820px) {
  .invest-choice-grid {
    grid-template-columns: 1fr;
  }
}
.action-roadmap,
.report-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.action-roadmap article,
.report-steps article {
  position: relative;
  padding: 28px;
  border-radius: 26px;
  border: 1px solid rgba(15,75,80,.16);
  background: linear-gradient(180deg,#fff 0%,#fbfffe 100%);
  box-shadow: 0 1px 2px rgba(15,42,50,.04), 0 14px 34px rgba(15,42,50,.08);
  transition: .22s ease;
}

.action-roadmap article:hover,
.report-steps article:hover {
  transform: translateY(-5px);
  border-color: rgba(0,106,103,.34);
  box-shadow: 0 26px 56px rgba(15,75,80,.16);
}

.action-roadmap span,
.report-steps span {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  border-radius: 999px;
  background: #dff7f2;
  color: #006a67;
  font-weight: 950;
}

.action-roadmap h3,
.report-steps h3 {
  font-size: 23px;
  margin-bottom: 10px;
}

.action-roadmap p,
.report-steps p {
  color: #5b777b;
}

.action-roadmap a {
  display: inline-flex;
  margin-top: 12px;
  color: #006a67;
  font-weight: 950;
}

.report-warning {
  margin-top: 24px;
  padding: 20px;
  border-radius: 20px;
  border: 1px solid #efd59b;
  background: #fff8e8;
  color: #684d17;
}

@media (max-width: 930px) {
  .action-roadmap,
  .report-steps {
    grid-template-columns: 1fr;
  }
}
.brand {
  font-family: "Plus Jakarta Sans", Inter, system-ui, sans-serif;
  font-weight: 950;
}

.brand-mark {
  background: linear-gradient(135deg, #0f4b50, #00a38d);
  color: #fff;
}

.brand-accent {
  color: #006a67;
}

/* === Calculator redesign: shadcn/TanStack-inspired static implementation === */
:root{
  --color-background: #fbfffe;
  --color-foreground: #0f2a32;
  --color-card: #ffffff;
  --color-primary: #0f4b50;
  --color-primary-soft: #e2f6f2;
  --color-muted-foreground: #647b80;
  --color-border: #dbe9e6;
  --shadow-card: 0 4px 14px rgba(15,42,50,.06), 0 1px 3px rgba(15,42,50,.04);
  --shadow-elevated: 0 20px 50px -20px rgba(15,75,80,.25);
}

.calculator-section{
  position:relative;
}

.calculator-section::before{
  content:"";
  position:absolute;
  inset:40px max(18px,calc((100vw - 1220px)/2 + 26px));
  border-radius:34px;
  background:linear-gradient(135deg, rgba(226,246,242,.72), rgba(255,255,255,.42));
  z-index:-1;
}

.calc-tabs{
  padding:8px;
  width:max-content;
  max-width:100%;
  background:rgba(255,255,255,.74);
  border:1px solid var(--color-border);
  border-radius:999px;
  box-shadow:var(--shadow-card);
}

.calc-tabs button{
  position:relative;
  border:0;
  background:transparent;
  min-height:42px;
  padding:0 16px;
  color:var(--color-muted-foreground);
  box-shadow:none;
  transition:background .18s ease,color .18s ease,transform .18s ease;
}

.calc-tabs button:hover{
  transform:translateY(-1px);
  color:var(--color-foreground);
  background:rgba(226,246,242,.7);
}

.calc-tabs button.active{
  background:var(--color-primary);
  color:#fff;
  box-shadow:0 10px 22px rgba(15,75,80,.18);
}

.calculator-card{
  position:relative;
  overflow:hidden;
  border-color:rgba(15,75,80,.13);
  background:linear-gradient(180deg, rgba(255,255,255,.96), rgba(250,255,254,.94));
  box-shadow:var(--shadow-elevated);
}

.calculator-card::after{
  content:"";
  position:absolute;
  right:-160px;
  top:-160px;
  width:360px;
  height:360px;
  border-radius:999px;
  background:radial-gradient(circle, rgba(0,163,141,.16), transparent 64%);
  pointer-events:none;
}

.calculator-card.calc-panel-animate{
  animation:calcFade .24s ease both;
}

@keyframes calcFade{
  from{opacity:.7;transform:translateY(8px)}
  to{opacity:1;transform:none}
}

.calc-left,.calc-right{
  position:relative;
  z-index:2;
}

.calc-title small{
  color:var(--color-primary);
}

.calc-title h3{
  font-size:clamp(26px,3vw,38px);
  line-height:1.06;
  letter-spacing:-.035em;
  margin:8px 0 12px;
}

.calc-title p{
  color:var(--color-muted-foreground);
}

.input-grid{
  margin-top:24px;
}

.field{
  padding:16px;
  border:1px solid var(--color-border);
  border-radius:20px;
  background:rgba(255,255,255,.82);
  box-shadow:0 1px 2px rgba(15,42,50,.03);
}

.field label{
  align-items:center;
  margin-bottom:12px;
}

.field label b{
  color:var(--color-primary);
  font-size:13px;
}

.field-row{
  display:grid;
  grid-template-columns:108px 1fr;
  gap:12px;
  align-items:center;
}

.field input[type="number"]{
  margin:0;
  height:42px;
  padding:0 12px;
  border-radius:14px;
  text-align:right;
  font-weight:850;
}

.field input[type="range"]{
  appearance:none;
  width:100%;
  height:8px;
  margin:0;
  padding:0;
  border:0;
  border-radius:999px;
  background:linear-gradient(90deg,var(--color-primary) var(--progress,50%), #e6f1ee var(--progress,50%));
  cursor:pointer;
}

.field input[type="range"]::-webkit-slider-thumb{
  appearance:none;
  width:22px;
  height:22px;
  border-radius:999px;
  border:4px solid #fff;
  background:var(--color-primary);
  box-shadow:0 5px 14px rgba(15,75,80,.25);
}

.field input[type="range"]::-moz-range-thumb{
  width:16px;
  height:16px;
  border-radius:999px;
  border:4px solid #fff;
  background:var(--color-primary);
  box-shadow:0 5px 14px rgba(15,75,80,.25);
}

.metrics{
  grid-template-columns:repeat(3,minmax(0,1fr));
}

.metrics span{
  position:relative;
  overflow:hidden;
  min-height:84px;
  padding:16px;
  background:linear-gradient(180deg,#f1faf7,#fff);
  border:1px solid rgba(15,75,80,.08);
  box-shadow:0 1px 2px rgba(15,42,50,.03);
}

.metrics span::after{
  content:"";
  position:absolute;
  right:-24px;
  top:-28px;
  width:80px;
  height:80px;
  border-radius:999px;
  background:rgba(0,163,141,.08);
}

.metrics b{
  position:relative;
  z-index:2;
  color:var(--color-foreground);
  font-size:clamp(17px,2vw,23px);
  letter-spacing:-.02em;
}

.chart-wrap{
  overflow:hidden;
  background:
    linear-gradient(180deg,rgba(255,255,255,.94),rgba(240,250,247,.88)),
    radial-gradient(circle at 75% 12%,rgba(0,163,141,.12),transparent 38%);
  border-color:rgba(15,75,80,.14);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.75);
}

.chart-wrap canvas{
  filter:drop-shadow(0 10px 18px rgba(15,75,80,.04));
}

.chart-tooltip{
  z-index:4;
  background:var(--color-card);
  color:var(--color-foreground);
  border:1px solid var(--color-border);
  box-shadow:var(--shadow-card);
  border-radius:14px;
  font-weight:850;
}

.calc-explain{
  padding:14px 16px;
  border-radius:18px;
  background:#fff8e8;
  border:1px solid #efd59b;
  color:#684d17;
}

@media(max-width:930px){
  .calc-tabs{
    width:100%;
    border-radius:24px;
  }

  .calc-tabs button{
    flex:1 1 160px;
  }

  .field-row{
    grid-template-columns:1fr;
  }

  .field input[type="number"]{
    text-align:left;
  }
}

@media(max-width:560px){
  .calc-tabs{
    padding:6px;
  }

  .calc-tabs button{
    min-height:40px;
    font-size:12px;
  }

  .metrics{
    grid-template-columns:1fr;
  }
}