/* ═══════════════════════════════════════════════════════════════
   BankZop — Main Stylesheet
   Architecture:
     0. CSS Custom Properties (:root)
     1. Reset & Base
     2. Typography
     3. Layout Utilities
     4. Components — Buttons
     5. Components — Forms
     6. Components — Cards
     7. Components — Badges & Tags
     8. Components — Skeleton Loaders
     9. Components — Toast Notifications
    10. Components — Modal
    11. Components — Back to Top
    12. Site Header
    13. Breadcrumb Bar
    14. Site Footer
    15. Homepage Sections
    16. Tool Pages
    17. Blog
    18. Error Pages
    19. Accessibility & Focus
    20. Responsive Breakpoints
   ═══════════════════════════════════════════════════════════════ */


/* ═══════════════════════════════════════
   0. CSS CUSTOM PROPERTIES (Design Tokens)
   These must be defined first — every
   var() in this file references these.
═══════════════════════════════════════ */

:root {
    /* Brand colours */
    --color-primary:     #0B1F3A;   /* Deep Navy */
    --color-accent:      #145A94;   /* Deep Blue — WCAG AAA 7.20:1 on white */
    --color-mint:        #00C896;   /* Mint Green */
    --color-bg:          #F7F9FC;   /* Off-white background */
    --color-surface:     #FFFFFF;   /* Card / surface white */
    --color-text:        #1A1A2E;   /* Body text */
    --color-text-muted:  #6B7280;   /* Secondary text */
    --color-border:      #E5E9F0;   /* Dividers / borders */
    --color-error:       #EF4444;
    --color-warning:     #F59E0B;

    /* Typography */
    --font-display: 'Sora', sans-serif;
    --font-body:    'DM Sans', sans-serif;
    --font-mono:    'JetBrains Mono', monospace;

    /* Layout */
    --container-max:  1200px;
    --header-height:  64px;

    /* Border radii */
    --radius-sm:  6px;
    --radius-md:  10px;
    --radius-lg:  14px;
    --radius-xl:  20px;

    /* Transitions */
    --transition: 0.18s ease;

    /* Shadows */
    --shadow-sm: 0 1px 4px rgba(11, 31, 58, 0.07);
    --shadow-md: 0 4px 16px rgba(11, 31, 58, 0.10);
    --shadow-lg: 0 8px 32px rgba(11, 31, 58, 0.14);
}


/* ═══════════════════════════════════════
   1. RESET & BASE
═══════════════════════════════════════ */

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

html {
    font-size: 16px;
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
    tab-size: 4;
    /* FIX: ensure html is always full viewport width */
    width: 100%;
}

body {
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.65;
    color: var(--color-text);
    background-color: var(--color-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    /* FIX: full width, no side whitespace */
    width: 100%;
    align-items: stretch;
}

img,
video,
svg {
    display: block;
    max-width: 100%;
}

img {
    height: auto;
}

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

a:hover {
    color: #0F4A82;
}

ul,
ol {
    list-style: none;
}

button {
    cursor: pointer;
    font-family: inherit;
    border: none;
    background: none;
}

input,
select,
textarea {
    font-family: inherit;
    font-size: inherit;
}

table {
    border-collapse: collapse;
    width: 100%;
}

main#main-content {
    flex: 1;
}

/* ── Scrollbar (Webkit) */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--color-bg); }
::-webkit-scrollbar-thumb { background: var(--color-border); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--color-text-muted); }

/* ── Selection */
::selection {
    background: rgba(20, 90, 148, 0.15);
    color: var(--color-text);
}


/* ═══════════════════════════════════════
   2. TYPOGRAPHY
═══════════════════════════════════════ */

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 700;
    line-height: 1.25;
    color: var(--color-primary);
    letter-spacing: -0.02em;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h2 { font-size: clamp(1.375rem, 3vw, 1.875rem); }
h3 { font-size: clamp(1.125rem, 2.5vw, 1.375rem); }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }
h6 { font-size: 0.9rem; }

p {
    margin-bottom: 1rem;
    color: var(--color-text);
}

p:last-child { margin-bottom: 0; }

strong, b { font-weight: 600; }

em, i { font-style: italic; }

small { font-size: 0.8125rem; }

code {
    font-family: var(--font-mono);
    font-size: 0.875em;
    background: rgba(20, 90, 148, 0.06);
    color: var(--color-primary);
    padding: 0.15em 0.4em;
    border-radius: 4px;
    border: 1px solid rgba(20, 90, 148, 0.12);
}

pre {
    font-family: var(--font-mono);
    font-size: 0.875rem;
    background: var(--color-primary);
    color: #e2e8f0;
    padding: 1.25rem 1.5rem;
    border-radius: var(--radius-md);
    overflow-x: auto;
    line-height: 1.7;
    margin: 1.5rem 0;
}

pre code {
    background: none;
    border: none;
    padding: 0;
    color: inherit;
    font-size: inherit;
}

blockquote {
    border-left: 4px solid var(--color-accent);
    padding: 0.75rem 1.25rem;
    background: rgba(20, 90, 148, 0.04);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin: 1.5rem 0;
    font-style: italic;
    color: var(--color-text-muted);
}

/* ── Monospace display (IFSC codes, bank codes) */
.code-display {
    font-family: var(--font-mono);
    font-size: 1rem;
    font-weight: 500;
    letter-spacing: 0.05em;
    color: var(--color-primary);
}

.text-muted    { color: var(--color-text-muted); }
.text-accent   { color: var(--color-accent); }
.text-mint     { color: var(--color-mint); }
.text-error    { color: var(--color-error); }
.text-warning  { color: var(--color-warning); }
.text-center   { text-align: center; }
.text-right    { text-align: right; }
.text-small    { font-size: 0.8125rem; }
.text-large    { font-size: 1.125rem; }
.font-display  { font-family: var(--font-display); }
.font-mono     { font-family: var(--font-mono); }
.font-600      { font-weight: 600; }
.font-700      { font-weight: 700; }


/* ═══════════════════════════════════════
   3. LAYOUT UTILITIES
═══════════════════════════════════════ */

.container {
    width: 100%;
    max-width: var(--container-max);
    margin-inline: auto;
    padding-inline: 1rem;
}

@media (min-width: 640px)  { .container { padding-inline: 1.5rem; } }
@media (min-width: 1024px) { .container { padding-inline: 2rem; } }

.section {
    padding-block: 3rem;
}

.section-lg {
    padding-block: 5rem;
}

/* ── Grid system */
.grid {
    display: grid;
    gap: 1.5rem;
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.grid-auto {
    grid-template-columns: repeat(auto-fill, minmax(var(--min, 280px), 1fr));
}

/* ── Flex utilities */
.flex         { display: flex; }
.flex-center  { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-wrap    { flex-wrap: wrap; }
.gap-1        { gap: 0.5rem; }
.gap-2        { gap: 1rem; }
.gap-3        { gap: 1.5rem; }
.gap-4        { gap: 2rem; }

/* ── Spacing */
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }

/* ── Display */
.hidden { display: none !important; }
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border-width: 0;
}

/* ── Skip link */
.skip-link {
    position: absolute;
    top: -100%;
    left: 0.5rem;
    z-index: 9999;
    padding: 0.5rem 1rem;
    background: var(--color-accent);
    color: #fff;
    border-radius: var(--radius-sm);
    font-weight: 600;
    transition: top 0.2s;
}

.skip-link:focus {
    top: 0.5rem;
}


/* ═══════════════════════════════════════
   4. COMPONENTS — BUTTONS
═══════════════════════════════════════ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.625rem 1.25rem;
    font-family: var(--font-display);
    font-size: 0.9375rem;
    font-weight: 600;
    line-height: 1;
    border-radius: var(--radius-md);
    border: 2px solid transparent;
    cursor: pointer;
    transition:
        background-color var(--transition),
        border-color var(--transition),
        color var(--transition),
        box-shadow var(--transition),
        transform var(--transition);
    white-space: nowrap;
    text-decoration: none;
    -webkit-user-select: none;
    user-select: none;
    min-height: 44px; /* FIX: accessibility touch target */
}

.btn:active { transform: translateY(1px); }

.btn:disabled,
.btn[aria-disabled="true"] {
    opacity: 0.55;
    cursor: not-allowed;
    transform: none;
}

/* ── Primary (Navy) */
.btn-primary {
    background: var(--color-primary);
    color: #ffffff;
    border-color: var(--color-primary);
}

.btn-primary:hover {
    background: #0d2547;
    border-color: #0d2547;
    color: #fff;
    box-shadow: 0 4px 16px rgba(11, 31, 58, 0.3);
}

/* ── Accent (Electric Blue) */
.btn-accent {
    background: var(--color-accent);
    color: #ffffff;
    border-color: var(--color-accent);
}

.btn-accent:hover {
    background: #0F4A82;
    border-color: #0F4A82;
    color: #fff;
    box-shadow: 0 4px 16px rgba(20, 90, 148, 0.35);
}

/* ── Mint (CTA highlight) */
.btn-mint {
    background: #007A5C;   /* Darker mint — white text 5.34:1 ✅ WCAG AA */
    color: #ffffff;
    border-color: #007A5C;
}

.btn-mint:hover {
    background: #005A43;
    border-color: #005A43;
    color: #fff;
    box-shadow: 0 4px 16px rgba(0, 122, 92, 0.35);
}

/* ── Outline */
.btn-outline {
    background: transparent;
    color: var(--color-accent);
    border-color: var(--color-accent);
}

.btn-outline:hover {
    background: var(--color-accent);
    color: #fff;
}

/* ── Ghost */
.btn-ghost {
    background: transparent;
    color: var(--color-text-muted);
    border-color: var(--color-border);
}

.btn-ghost:hover {
    background: var(--color-bg);
    color: var(--color-text);
    border-color: var(--color-text-muted);
}

/* ── Sizes */
.btn-sm { padding: 0.4rem 0.875rem; font-size: 0.8125rem; min-height: 36px; }
.btn-lg { padding: 0.875rem 1.75rem; font-size: 1.0625rem; }

/* ── Full width */
.btn-full { width: 100%; }

/* ── Copy button (for IFSC result cards) */
.btn-copy {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0.3rem 0.7rem;
    font-size: 0.75rem;
    font-weight: 600;
    font-family: var(--font-body);
    color: var(--color-accent);
    background: rgba(20, 90, 148, 0.06);
    border: 1px solid rgba(20, 90, 148, 0.2);
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all var(--transition);
    white-space: nowrap;
}

.btn-copy:hover {
    background: rgba(20, 90, 148, 0.12);
}

.btn-copy.copied {
    color: var(--color-mint);
    background: rgba(0, 200, 150, 0.08);
    border-color: rgba(0, 200, 150, 0.25);
}

/* ── Button spinner */
.btn-spinner {
    width: 18px;
    height: 18px;
    border: 2px solid rgba(255,255,255,0.35);
    border-top-color: #fff;
    border-radius: 50%;
    animation: spin 0.65s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}


/* ═══════════════════════════════════════
   5. COMPONENTS — FORMS
═══════════════════════════════════════ */

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.375rem;
}

.form-label {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--color-text);
}

.form-label span[aria-hidden] {
    color: var(--color-error);
    margin-left: 2px;
}

.form-input,
.form-select,
.form-textarea {
    width: 100%;
    padding: 0.625rem 0.875rem;
    font-family: var(--font-body);
    font-size: 0.9375rem;
    color: var(--color-text);
    background: var(--color-surface);
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-md);
    transition:
        border-color var(--transition),
        box-shadow var(--transition);
    appearance: none;
    -webkit-appearance: none;
}

.form-input::placeholder { color: var(--color-text-muted); opacity: 0.7; }

.form-input:focus,
.form-select:focus,
.form-textarea:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(20, 90, 148, 0.12);
}

.form-input.has-error,
.form-select.has-error {
    border-color: var(--color-error);
}

.form-input.has-error:focus {
    box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.12);
}

.form-select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M2 4l4 4 4-4' stroke='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 0.875rem center;
    padding-right: 2.5rem;
    cursor: pointer;
}

.form-textarea {
    resize: vertical;
    min-height: 120px;
    line-height: 1.6;
}

.form-error {
    font-size: 0.8rem;
    color: var(--color-error);
    min-height: 1rem;
    display: block;
}

.form-hint {
    font-size: 0.8rem;
    color: var(--color-text-muted);
}

/* ── Input with prefix (e.g. +91 phone) */
.input-prefix-wrap {
    position: relative;
    display: flex;
    align-items: stretch;
}

.input-prefix {
    display: flex;
    align-items: center;
    padding: 0 0.75rem;
    background: var(--color-bg);
    border: 1.5px solid var(--color-border);
    border-right: none;
    border-radius: var(--radius-md) 0 0 var(--radius-md);
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--color-text-muted);
    white-space: nowrap;
}

.form-input.has-prefix {
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    flex: 1;
}

/* ── Form row (two columns) */
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

@media (max-width: 500px) {
    .form-row { grid-template-columns: 1fr; }
}

/* ── Search bar (homepage / tool pages) */
.search-bar-wrap {
    position: relative;
    max-width: 640px;
    margin-inline: auto;
}

.search-bar-input {
    width: 100%;
    padding: 0.9rem 1rem 0.9rem 3rem;
    font-size: 1rem;
    border: 2px solid var(--color-border);
    border-radius: 50px;
    background: var(--color-surface);
    transition: border-color var(--transition), box-shadow var(--transition);
    box-shadow: var(--shadow-sm);
}

.search-bar-input:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 4px rgba(20, 90, 148, 0.1);
}

.search-bar-icon {
    position: absolute;
    left: 1.1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-muted);
    pointer-events: none;
}

.search-bar-btn {
    position: absolute;
    right: 0.375rem;
    top: 50%;
    transform: translateY(-50%);
}

/* ── Form consent text */
.form-consent {
    font-size: 0.75rem;
    color: var(--color-text-muted);
    text-align: center;
    margin-top: 0.75rem;
}

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


/* ═══════════════════════════════════════
   6. COMPONENTS — CARDS
═══════════════════════════════════════ */

.card {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
    transition: box-shadow var(--transition), transform var(--transition);
}

.card:hover {
    box-shadow: var(--shadow-md);
}

.card-interactive:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.card-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 1rem;
    gap: 1rem;
}

.card-title {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-primary);
    margin: 0;
}

.card-footer {
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid var(--color-border);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
}

/* ── Tool card (homepage + tools grid) */
.tool-card {
    display: flex;
    flex-direction: column;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.25rem;
    text-decoration: none;
    color: inherit;
    transition:
        box-shadow var(--transition),
        transform var(--transition),
        border-color var(--transition);
    position: relative;
    overflow: hidden;
}

.tool-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--tool-color, var(--color-accent));
    opacity: 0;
    transition: opacity var(--transition);
}

.tool-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
    color: inherit;
}

.tool-card:hover::before {
    opacity: 1;
}

.tool-card-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--tool-color-bg, rgba(20, 90, 148, 0.08));
    color: var(--tool-color, var(--color-accent));
    margin-bottom: 0.875rem;
    flex-shrink: 0;
}

.tool-card-title {
    font-family: var(--font-display);
    font-size: 0.9375rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 0.35rem;
}

.tool-card-desc {
    font-size: 0.8125rem;
    color: var(--color-text-muted);
    line-height: 1.5;
    flex: 1;
}

.tool-card-arrow {
    margin-top: 0.875rem;
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--color-accent);
    display: flex;
    align-items: center;
    gap: 0.25rem;
}

/* ── Result card (IFSC result, tool lookup result) */
.result-card {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.result-card-header {
    background: var(--color-primary);
    color: #fff;
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.875rem;
}

.result-card-header h3 {
    color: #fff;
    font-size: 1rem;
    margin: 0;
}

.result-table {
    width: 100%;
}

.result-row {
    display: grid;
    grid-template-columns: 160px 1fr auto;
    align-items: center;
    padding: 0.8rem 1.25rem;
    border-bottom: 1px solid var(--color-border);
    gap: 1rem;
}

.result-row:last-child { border-bottom: none; }
.result-row:nth-child(even) { background: rgba(247, 249, 252, 0.6); }

.result-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--color-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.result-value {
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--color-text);
    word-break: break-word;
}

.result-value.is-code {
    font-family: var(--font-mono);
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-primary);
    letter-spacing: 0.05em;
}

/* ── Blog post card */
.post-card {
    display: flex;
    flex-direction: column;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    transition: box-shadow var(--transition), transform var(--transition);
}

.post-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
    color: inherit;
}

.post-card-image {
    aspect-ratio: 16 / 9;
    overflow: hidden;
    background: var(--color-bg);
}

.post-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.post-card:hover .post-card-image img {
    transform: scale(1.04);
}

.post-card-body {
    padding: 1.25rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.post-card-category {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-accent);
    margin-bottom: 0.5rem;
}

.post-card-title {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-primary);
    line-height: 1.35;
    margin-bottom: 0.625rem;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.post-card-excerpt {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    line-height: 1.55;
    flex: 1;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
    margin-bottom: 1rem;
}

.post-card-meta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.78rem;
    color: var(--color-text-muted);
    margin-top: auto;
    flex-wrap: wrap;
}

.post-card-author-avatar {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    object-fit: cover;
    border: 1.5px solid var(--color-border);
}

.post-card-meta-sep {
    color: var(--color-border);
}


/* ═══════════════════════════════════════
   7. COMPONENTS — BADGES & TAGS
═══════════════════════════════════════ */

.badge {
    display: inline-flex;
    align-items: center;
    padding: 0.2rem 0.625rem;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    border-radius: 50px;
    white-space: nowrap;
}

.badge-accent   { background: rgba(20, 90, 148, 0.1);  color: var(--color-accent); }
.badge-mint     { background: rgba(0, 200, 150, 0.1);  color: #00a87d; }
.badge-navy     { background: rgba(11, 31, 58, 0.08);  color: var(--color-primary); }
.badge-warning  { background: rgba(245, 158, 11, 0.1); color: #b45309; }
.badge-error    { background: rgba(239, 68, 68, 0.1);  color: #dc2626; }

.tag {
    display: inline-flex;
    align-items: center;
    padding: 0.25rem 0.75rem;
    font-size: 0.8125rem;
    font-weight: 500;
    color: var(--color-text-muted);
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: 50px;
    text-decoration: none;
    transition: all var(--transition);
    white-space: nowrap;
}

.tag:hover {
    background: var(--color-accent);
    color: #fff;
    border-color: var(--color-accent);
    text-decoration: none;
}


/* ═══════════════════════════════════════
   8. COMPONENTS — SKELETON LOADERS
═══════════════════════════════════════ */

@keyframes shimmer {
    0%   { background-position: -600px 0; }
    100% { background-position: 600px 0; }
}

.skeleton {
    background: linear-gradient(
        90deg,
        var(--color-border) 25%,
        #eef0f5 50%,
        var(--color-border) 75%
    );
    background-size: 1200px 100%;
    animation: shimmer 1.4s infinite linear;
    border-radius: var(--radius-sm);
}

.skeleton-text {
    height: 0.875rem;
    border-radius: 4px;
    margin-bottom: 0.5rem;
}

.skeleton-text-lg {
    height: 1.25rem;
    border-radius: 4px;
    margin-bottom: 0.5rem;
}

.skeleton-title {
    height: 1.5rem;
    width: 65%;
    border-radius: 4px;
    margin-bottom: 0.75rem;
}

.skeleton-image {
    aspect-ratio: 16/9;
    width: 100%;
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
}

.skeleton-card {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.25rem;
}

/* ── Result skeleton (tool lookup) */
.result-skeleton {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.result-skeleton-header {
    height: 56px;
    background: var(--color-border);
    animation: shimmer 1.4s infinite linear;
    background-size: 1200px 100%;
    background-image: linear-gradient(90deg, var(--color-border) 25%, #eef0f5 50%, var(--color-border) 75%);
}

.result-skeleton-row {
    display: grid;
    grid-template-columns: 140px 1fr 80px;
    gap: 1rem;
    padding: 0.875rem 1.25rem;
    border-bottom: 1px solid var(--color-border);
}


/* ═══════════════════════════════════════
   9. COMPONENTS — TOAST NOTIFICATIONS
═══════════════════════════════════════ */

.toast-container {
    position: fixed;
    bottom: 1.5rem;
    right: 1.5rem;
    z-index: 9000;
    display: flex;
    flex-direction: column;
    gap: 0.625rem;
    max-width: 360px;
    pointer-events: none;
}

.toast {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    padding: 0.875rem 1.125rem;
    background: var(--color-primary);
    color: #ffffff;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    font-size: 0.875rem;
    font-weight: 500;
    pointer-events: all;
    transform: translateX(120%);
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
    max-width: 360px;
    line-height: 1.45;
}

.toast.show {
    transform: translateX(0);
}

.toast.hide {
    transform: translateX(120%);
    transition: transform 0.2s ease-in;
}

.toast-icon {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
    margin-top: 1px;
}

.toast-success { background: #0f3d2e; border-left: 3px solid var(--color-mint); }
.toast-success .toast-icon { background: var(--color-mint); color: #fff; }

.toast-error   { background: #3d0f0f; border-left: 3px solid var(--color-error); }
.toast-error   .toast-icon { background: var(--color-error); color: #fff; }

.toast-info    { background: var(--color-primary); border-left: 3px solid var(--color-accent); }
.toast-info    .toast-icon { background: var(--color-accent); color: #fff; }

.toast-warning { background: #3d2a0a; border-left: 3px solid var(--color-warning); }
.toast-warning .toast-icon { background: var(--color-warning); color: #fff; }

.toast-message { flex: 1; }
.toast-title { font-weight: 700; margin-bottom: 0.15rem; }
.toast-desc  { opacity: 0.85; font-size: 0.8125rem; }


/* ═══════════════════════════════════════
   10. COMPONENTS — MODAL
═══════════════════════════════════════ */

.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(11, 31, 58, 0.85);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 8000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1rem;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.25s ease, visibility 0.25s ease;
}

.modal-overlay.open {
    opacity: 1;
    visibility: visible;
}

.modal {
    background: var(--color-surface);
    border-radius: var(--radius-lg);
    box-shadow: 0 25px 60px rgba(0,0,0,0.2);
    width: 100%;
    max-width: 560px;
    max-height: 90vh;
    overflow-y: auto;
    padding: 2rem;
    position: relative;
    transform: translateY(24px) scale(0.97);
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.modal-overlay.open .modal {
    transform: translateY(0) scale(1);
}

.modal-close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-text-muted);
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    transition: all var(--transition);
    cursor: pointer;
}

.modal-close:hover {
    background: var(--color-error);
    color: #fff;
    border-color: var(--color-error);
}

.modal-header {
    margin-bottom: 1.5rem;
    text-align: center;
}

.modal-badge {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-mint);
    background: rgba(0, 200, 150, 0.1);
    padding: 0.2rem 0.75rem;
    border-radius: 50px;
    margin-bottom: 0.625rem;
}

.modal-title {
    font-size: 1.375rem;
    color: var(--color-primary);
    margin-bottom: 0.375rem;
}

.modal-subtitle {
    color: var(--color-text-muted);
    font-size: 0.875rem;
    margin: 0;
}

/* ── Lead form success state */
.lead-success {
    text-align: center;
    padding: 2rem 1rem;
}

.success-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--color-mint);
    color: #fff;
    font-size: 1.75rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
}


/* ═══════════════════════════════════════
   11. COMPONENTS — BACK TO TOP
═══════════════════════════════════════ */

.back-to-top {
    position: fixed;
    bottom: 5.5rem;
    right: 1.5rem;
    z-index: 7000;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--color-primary);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-md);
    cursor: pointer;
    border: none;
    transition:
        background-color var(--transition),
        transform var(--transition),
        opacity 0.3s ease;
    opacity: 0;
}

.back-to-top:not([hidden]) {
    opacity: 1;
}

.back-to-top:hover {
    background: var(--color-accent);
    transform: translateY(-2px);
}

.back-to-top:active {
    transform: translateY(0);
}


/* ═══════════════════════════════════════
   12. SITE HEADER
═══════════════════════════════════════ */

.site-header {
    position: sticky;
    top: 0;
    left: 0;
    right: 0;
    /* FIX: ensure full viewport width, not container width */
    width: 100%;
    z-index: 5000;
    background: var(--color-primary);
    height: var(--header-height);
    border-bottom: 1px solid rgba(255,255,255,0.06);
    box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}

.header-inner {
    height: 100%;
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

/* ── Logo */
.site-logo {
    flex-shrink: 0;
    display: block;
    text-decoration: none;
    line-height: 1;
}

.logo-text {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1;
}

.logo-bank { color: #ffffff; }
.logo-zop  { color: var(--color-mint); }

/* ── Primary Nav */
.primary-nav {
    flex: 1;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 0.25rem;
}

.nav-item {
    position: relative;
}

.nav-link {
    display: flex;
    align-items: center;
    gap: 0.3rem;
    padding: 0.5rem 0.75rem;
    font-family: var(--font-display);
    font-size: 0.875rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.82);
    border-radius: var(--radius-sm);
    text-decoration: none;
    transition: background-color var(--transition), color var(--transition);
    white-space: nowrap;
    min-height: 44px; /* FIX: touch target */
}

.nav-link:hover,
.nav-link.active {
    background: rgba(255,255,255,0.1);
    color: #ffffff;
}

.nav-link.active {
    box-shadow: inset 0 -2px 0 var(--color-mint);
}

.nav-arrow {
    transition: transform var(--transition);
    flex-shrink: 0;
}

.has-dropdown:hover .nav-arrow {
    transform: rotate(180deg);
}

/* ── Dropdown */
.dropdown-menu {
    position: absolute;
    top: calc(100% + 0.5rem);
    left: 0;
    min-width: 220px;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: 0.375rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-6px);
    transition:
        opacity 0.18s ease,
        visibility 0.18s ease,
        transform 0.18s ease;
    z-index: 100;
}

.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-link {
    display: block;
    padding: 0.5rem 0.875rem;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--color-text);
    border-radius: var(--radius-sm);
    text-decoration: none;
    transition: background-color var(--transition), color var(--transition);
    white-space: nowrap;
    min-height: 40px;
    display: flex;
    align-items: center;
}

.dropdown-link:hover {
    background: rgba(20, 90, 148, 0.06);
    color: var(--color-accent);
}

/* ── Header Search */
.header-search {
    flex-shrink: 0;
}

.search-wrap {
    position: relative;
    display: flex;
    align-items: center;
}

.search-input {
    width: 220px;
    padding: 0.45rem 0.75rem 0.45rem 2.25rem;
    font-size: 0.875rem;
    background: rgba(255,255,255,0.1);
    border: 1.5px solid rgba(255,255,255,0.15);
    border-radius: 50px;
    color: #ffffff;
    transition: all var(--transition);
}

.search-input::placeholder { color: rgba(255,255,255,0.5); }

.search-input:focus {
    outline: none;
    background: rgba(255,255,255,0.15);
    border-color: rgba(255,255,255,0.4);
    width: 260px;
}

.search-icon {
    position: absolute;
    left: 0.75rem;
    color: rgba(255,255,255,0.5);
    pointer-events: none;
    flex-shrink: 0;
}

/* ── Mobile search toggle button (visible < 1024px) */
.search-toggle-btn {
    display: none;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.12);
    color: rgba(255,255,255,0.85);
    cursor: pointer;
    flex-shrink: 0;
    transition: background var(--transition);
}

.search-toggle-btn:hover {
    background: rgba(255,255,255,0.15);
}

/* ── Mobile hamburger */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 0.5rem;
    border-radius: var(--radius-sm);
    cursor: pointer;
    flex-shrink: 0;
    margin-left: auto;
    transition: background-color var(--transition);
    min-width: 44px;
    min-height: 44px;
    align-items: center;
    justify-content: center;
}

.mobile-menu-toggle:hover {
    background: rgba(255,255,255,0.1);
}

.hamburger-line {
    display: block;
    width: 22px;
    height: 2px;
    background: rgba(255,255,255,0.85);
    border-radius: 2px;
    transition: transform 0.3s ease, opacity 0.3s ease;
}

/* ── Hamburger → X animation */
.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}
.mobile-menu-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* ── Search overlay (full-screen, triggered on mobile) */
.search-overlay {
    position: fixed;
    inset: 0;
    background: rgba(11, 31, 58, 0.85);
    z-index: 6000;
    display: flex;
    align-items: flex-start;
    padding: 4rem 1rem 1rem;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.2s ease, visibility 0.2s ease;
}

.search-overlay.open {
    opacity: 1;
    visibility: visible;
}

.search-overlay-inner {
    background: var(--color-surface);
    border-radius: var(--radius-lg);
    width: 100%;
    max-width: 640px;
    margin-inline: auto;
    padding: 1.5rem;
    box-shadow: var(--shadow-lg);
}

.search-overlay-wrap {
    display: flex;
    gap: 0.75rem;
    align-items: center;
    margin-bottom: 1rem;
}

.search-overlay-input {
    flex: 1;
    height: 52px;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 0 1rem;
    font-size: 1rem;
    color: var(--color-text);
    outline: none;
    transition: border-color var(--transition);
}

.search-overlay-input:focus {
    border-color: var(--color-accent);
}

.search-overlay-close {
    font-size: 1.5rem;
    line-height: 1;
    color: var(--color-text-muted);
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.25rem;
}

.search-suggestions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.search-suggestion-chip {
    background: rgba(20, 90, 148, 0.07);
    color: var(--color-accent);
    border: none;
    border-radius: 50px;
    padding: 0.3rem 0.8rem;
    font-size: 0.8rem;
    font-weight: 600;
    cursor: pointer;
    transition: background var(--transition);
}

.search-suggestion-chip:hover {
    background: rgba(20, 90, 148, 0.14);
}


/* ═══════════════════════════════════════
   13. BREADCRUMB BAR
═══════════════════════════════════════ */

.breadcrumb-bar {
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-border);
    padding: 0.5rem 0;
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.25rem;
}

.breadcrumb-item {
    display: flex;
    align-items: center;
    gap: 0.25rem;
}

.breadcrumb-link {
    font-size: 0.8125rem;
    color: var(--color-text-muted);
    text-decoration: none;
    transition: color var(--transition);
    white-space: nowrap;
}

.breadcrumb-link:hover {
    color: var(--color-accent);
}

.breadcrumb-sep {
    color: var(--color-border);
    flex-shrink: 0;
}

.breadcrumb-current {
    font-size: 0.8125rem;
    color: var(--color-text);
    font-weight: 500;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    max-width: 240px;
}


/* ═══════════════════════════════════════
   14. SITE FOOTER
═══════════════════════════════════════ */

.site-footer {
    /* FIX: full width */
    width: 100%;
    background: var(--color-primary);
    color: rgba(255,255,255,0.75);
    margin-top: auto;
}

.footer-top {
    padding-block: 3.5rem 2.5rem;
    border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1fr;  /* mobile: stack all columns */
    gap: 2.5rem;
}

.footer-logo img { height: 34px; width: auto; }

/* FIX: text logo fallback (logo-white.png is missing) */
.footer-logo-text {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    margin-bottom: 0.75rem;
}

.footer-tagline {
    font-family: var(--font-display);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--color-mint);
    margin-top: 0.75rem;
    margin-bottom: 0.5rem;
}

.footer-desc {
    font-size: 0.8125rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.65;
    margin-bottom: 1.25rem;
}

.footer-social {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
}

.social-link {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all var(--transition);
    text-decoration: none;
}

.social-link:hover {
    background: var(--color-mint);
    border-color: var(--color-mint);
    color: #fff;
    transform: translateY(-2px);
}

.footer-heading {
    font-family: var(--font-display);
    font-size: 0.8125rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: rgba(255,255,255,0.9);
    margin-bottom: 1rem;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.footer-link {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    transition: color var(--transition);
    width: fit-content;
    min-height: 28px;
    display: flex;
    align-items: center;
}

.footer-link:hover { color: var(--color-mint); }

.footer-bottom {
    padding-block: 1.25rem;
}

.footer-bottom-inner {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 1.5rem;
    flex-wrap: wrap;
}

.footer-copyright {
    font-size: 0.8125rem;
    color: rgba(255,255,255,0.70); /* 8.4:1 on navy ✅ AAA */
    margin: 0;
    white-space: nowrap;
}

.footer-disclaimer {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.55); /* 6.22:1 on navy ✅ AA */
    max-width: 680px;
    line-height: 1.55;
    margin: 0;
}


/* ═══════════════════════════════════════
   15. HOMEPAGE SECTIONS
═══════════════════════════════════════ */

/* ── Hero */
.hero {
    background: linear-gradient(
        135deg,
        var(--color-primary)   0%,
        #112d52                55%,
        #0a2440               100%
    );
    padding-block: 4rem 5rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 20% 50%, rgba(20, 90, 148, 0.15) 0%, transparent 50%),
        radial-gradient(circle at 80% 20%, rgba(0, 200, 150, 0.1) 0%, transparent 40%);
    pointer-events: none;
}

.hero-content { position: relative; z-index: 1; }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: rgba(0, 200, 150, 0.12);
    color: var(--color-mint);
    border: 1px solid rgba(0, 200, 150, 0.25);
    padding: 0.35rem 0.875rem;
    border-radius: 50px;
    font-size: 0.8125rem;
    font-weight: 600;
    margin-bottom: 1.25rem;
}

.hero h1 {
    color: #ffffff;
    font-size: clamp(2rem, 5vw, 3rem);
    font-weight: 800;
    margin-bottom: 1rem;
    max-width: 700px;
    margin-inline: auto;
    letter-spacing: -0.03em;
}

.hero h1 span { color: var(--color-mint); }

.hero-subtitle {
    color: rgba(255,255,255,0.7);
    font-size: clamp(1rem, 2vw, 1.125rem);
    max-width: 560px;
    margin-inline: auto;
    margin-bottom: 2.5rem;
    line-height: 1.65;
}

/* ── Stats bar
   FIX: mobile-first — base = 2 cols, scales up.
   No more margin-top hack on a child selector.
   The negative margin pulling it up over hero is
   controlled on the wrapping element in the view.
═══════════════════════════════════════ */
.stats-bar {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.25rem 1.5rem;
    display: grid;
    /* Mobile: 2 equal columns, dividers hidden */
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    position: relative;
    z-index: 2;
    box-shadow: var(--shadow-md);
    text-align: center;
    margin-top: -2rem;
}

/* Mobile: hide dividers so stat items flow cleanly in 2-col grid */
.stats-bar .stat-divider {
    display: none;
}

/* Mobile: 5th stat item spans both columns so it's centred */
.stats-bar .stat-item:last-child {
    grid-column: 1 / -1;
}

.stat-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.25rem;
}

.stat-value {
    font-family: var(--font-display);
    font-size: 1.375rem;
    font-weight: 800;
    color: var(--color-primary);
    line-height: 1;
}

.stat-label {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    font-weight: 500;
}

.stat-divider {
    width: 1px;
    background: var(--color-border);
    align-self: stretch;
}

/* ── Section heading */
.section-heading {
    text-align: center;
    margin-bottom: 2.5rem;
}

.section-heading h2 {
    margin-bottom: 0.5rem;
}

.section-heading p {
    color: var(--color-text-muted);
    font-size: 1.0625rem;
    max-width: 520px;
    margin-inline: auto;
    margin-bottom: 0;
}

/* ── Tools grid */
.tools-grid {
    display: grid;
    /* mobile: 2 columns */
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

/* ── Blog grid (homepage "From the Blog" section)
   FIX: was missing — caused layout to break on mobile
═══════════════════════════════════════ */
.blog-grid {
    display: grid;
    /* mobile: single column */
    grid-template-columns: 1fr;
    gap: 1.5rem;
}

/* ── Calculators grid */
.calculators-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

.calc-card {
    display: flex;
    align-items: center;
    gap: 0.875rem;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.1rem 1.25rem;
    text-decoration: none;
    color: inherit;
    transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
    min-height: 72px;
}

.calc-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: var(--color-mint);
    color: inherit;
}

.calc-card.more-link {
    background: var(--color-primary);
    border-color: transparent;
    justify-content: center;
    text-align: center;
}

.calc-card.more-link:hover {
    border-color: transparent;
    box-shadow: var(--shadow-lg);
}

.calc-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.calc-info { min-width: 0; }

.calc-name {
    font-family: var(--font-display);
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 0.1rem;
}

.calc-desc {
    font-size: 0.75rem;
    color: var(--color-text-muted);
    line-height: 1.3;
}

.calc-card.more-link .calc-name {
    color: #fff;
}

.calc-card.more-link .calc-desc {
    color: rgba(255,255,255,0.6);
}


/* ═══════════════════════════════════════
   16. TOOL PAGES
═══════════════════════════════════════ */

.tool-page-header {
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-border);
    padding-block: 2rem 2.5rem;
}

.tool-page-header h1 {
    margin-bottom: 0.5rem;
}

.tool-page-header .lead {
    font-size: 1.0625rem;
    color: var(--color-text-muted);
    max-width: 640px;
    margin-bottom: 0;
}

/* ── Tool widget box */
.tool-widget {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    box-shadow: var(--shadow-sm);
    margin-bottom: 1.5rem;
}

.tool-widget-title {
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 1.25rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

/* ── Tool layout (widget left, sidebar right) */
.tool-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 2rem;
    align-items: start;
}

/* ── SEO content below tool */
.tool-seo-content {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 2rem;
    margin-top: 2rem;
}

.tool-seo-content h2 {
    font-size: 1.25rem;
    margin-bottom: 0.875rem;
    margin-top: 1.75rem;
}

.tool-seo-content h2:first-child { margin-top: 0; }

.tool-seo-content h3 {
    font-size: 1.0625rem;
    margin-bottom: 0.625rem;
    margin-top: 1.5rem;
}

.tool-seo-content p {
    color: var(--color-text);
    line-height: 1.75;
}

.tool-seo-content ul,
.tool-seo-content ol {
    list-style: disc;
    padding-left: 1.5rem;
    margin-bottom: 1rem;
    color: var(--color-text);
    line-height: 1.7;
}

.tool-seo-content li { margin-bottom: 0.35rem; }

/* ── FAQ section */
.faq-list {
    margin-top: 2rem;
}

.faq-item {
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    margin-bottom: 0.625rem;
    overflow: hidden;
}

.faq-question {
    width: 100%;
    text-align: left;
    padding: 1rem 1.25rem;
    font-family: var(--font-display);
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--color-primary);
    background: var(--color-surface);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    transition: background-color var(--transition);
    min-height: 56px;
}

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

.faq-question[aria-expanded="true"] {
    color: var(--color-accent);
    background: rgba(20, 90, 148, 0.03);
}

.faq-icon {
    flex-shrink: 0;
    transition: transform 0.25s ease;
    color: var(--color-text-muted);
}

.faq-question[aria-expanded="true"] .faq-icon {
    transform: rotate(180deg);
    color: var(--color-accent);
}

.faq-answer {
    padding: 0;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-answer.open {
    max-height: 600px;
    padding: 0 1.25rem 1.25rem;
}

.faq-answer p {
    font-size: 0.9rem;
    color: var(--color-text-muted);
    line-height: 1.7;
    margin: 0;
}


/* ═══════════════════════════════════════
   17. BLOG
═══════════════════════════════════════ */

.blog-layout {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 2.5rem;
    align-items: start;
}

/* ── Article body */
.article-body {
    font-size: 1.0625rem;
    line-height: 1.8;
    color: var(--color-text);
}

.article-body h2,
.article-body h3,
.article-body h4 {
    margin-top: 2.25rem;
    margin-bottom: 0.75rem;
}

.article-body h2 { font-size: 1.5rem; }
.article-body h3 { font-size: 1.25rem; }
.article-body h4 { font-size: 1.0625rem; }

.article-body p    { margin-bottom: 1.25rem; }
.article-body img  {
    border-radius: var(--radius-md);
    margin-block: 1.5rem;
    box-shadow: var(--shadow-sm);
    max-width: 100%;
}

.article-body ul,
.article-body ol {
    list-style: disc;
    padding-left: 1.625rem;
    margin-bottom: 1.25rem;
}

.article-body ol { list-style: decimal; }
.article-body li { margin-bottom: 0.4rem; }

.article-body table {
    margin-block: 1.5rem;
    font-size: 0.9375rem;
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid var(--color-border);
}

.article-body th {
    background: var(--color-primary);
    color: #fff;
    padding: 0.625rem 1rem;
    font-family: var(--font-display);
    font-size: 0.8125rem;
    font-weight: 600;
    text-align: left;
}

.article-body td {
    padding: 0.625rem 1rem;
    border-bottom: 1px solid var(--color-border);
}

.article-body tr:last-child td { border-bottom: none; }
.article-body tr:nth-child(even) td { background: var(--color-bg); }

/* ── Author box */
.author-box {
    display: flex;
    gap: 1.25rem;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    margin-top: 3rem;
}

.author-box-avatar {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
    border: 3px solid var(--color-border);
}

.author-box-name {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 0.15rem;
}

.author-box-designation {
    font-size: 0.8125rem;
    color: var(--color-accent);
    font-weight: 600;
    margin-bottom: 0.625rem;
}

.author-box-bio {
    font-size: 0.875rem;
    color: var(--color-text-muted);
    line-height: 1.65;
    margin: 0;
}

/* ── TOC (Table of Contents) */
.toc-widget {
    background: rgba(20, 90, 148, 0.03);
    border: 1px solid rgba(20, 90, 148, 0.12);
    border-radius: var(--radius-lg);
    padding: 1.25rem 1.5rem;
    margin-bottom: 2rem;
}

.toc-title {
    font-family: var(--font-display);
    font-size: 0.875rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-accent);
    margin-bottom: 0.875rem;
}

.toc-list {
    display: flex;
    flex-direction: column;
    gap: 0.375rem;
}

.toc-item-h2 a {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--color-text);
    text-decoration: none;
    transition: color var(--transition);
}

.toc-item-h3 a {
    font-size: 0.8125rem;
    font-weight: 400;
    color: var(--color-text-muted);
    text-decoration: none;
    transition: color var(--transition);
    padding-left: 1rem;
}

.toc-item-h2 a:hover,
.toc-item-h3 a:hover {
    color: var(--color-accent);
}

/* ── Post meta bar */
.post-meta-bar {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    flex-wrap: wrap;
    font-size: 0.875rem;
    color: var(--color-text-muted);
    padding-block: 0.875rem;
    border-block: 1px solid var(--color-border);
    margin-block: 1.5rem;
}

.post-meta-bar a { color: var(--color-accent); }

/* ── Social share bar */
.social-share {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    flex-wrap: wrap;
    margin-top: 2rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--color-border);
}

.social-share-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--color-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.share-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.4rem 0.875rem;
    font-size: 0.8125rem;
    font-weight: 600;
    border-radius: var(--radius-sm);
    text-decoration: none;
    transition: all var(--transition);
    border: 1px solid transparent;
    min-height: 36px;
}

.share-btn-twitter  { background: #000; color: #fff; }
.share-btn-facebook { background: #1877f2; color: #fff; }
.share-btn-linkedin { background: #0a66c2; color: #fff; }
.share-btn-whatsapp { background: #25d366; color: #fff; }
.share-btn-copy     {
    background: var(--color-bg);
    color: var(--color-text-muted);
    border-color: var(--color-border);
}

.share-btn:hover { opacity: 0.88; transform: translateY(-1px); }

/* ── Prev/Next navigation */
.post-nav {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 2.5rem;
}

.post-nav-link {
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 1rem 1.25rem;
    text-decoration: none;
    color: inherit;
    transition: border-color var(--transition), box-shadow var(--transition);
}

.post-nav-link:hover {
    border-color: var(--color-accent);
    box-shadow: var(--shadow-sm);
    color: inherit;
}

.post-nav-dir {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin-bottom: 0.35rem;
}

.post-nav-title {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--color-primary);
    line-height: 1.35;
}

.post-nav-link.next { text-align: right; }


/* ═══════════════════════════════════════
   18. ERROR PAGES
═══════════════════════════════════════ */

.error-page {
    min-height: calc(100vh - var(--header-height) - 300px);
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding-block: 5rem;
}

.error-code {
    font-family: var(--font-display);
    font-size: clamp(5rem, 15vw, 9rem);
    font-weight: 800;
    color: var(--color-border);
    line-height: 1;
    margin-bottom: 0.25rem;
}

.error-title {
    font-size: clamp(1.25rem, 3vw, 1.875rem);
    margin-bottom: 0.75rem;
}

.error-desc {
    color: var(--color-text-muted);
    max-width: 460px;
    margin-inline: auto;
    margin-bottom: 2rem;
    font-size: 1.0625rem;
}


/* ═══════════════════════════════════════
   19. ACCESSIBILITY & FOCUS
═══════════════════════════════════════ */

:focus-visible {
    outline: 2.5px solid var(--color-accent);
    outline-offset: 3px;
    border-radius: 3px;
}

:focus:not(:focus-visible) {
    outline: none;
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}


/* ═══════════════════════════════════════
   20. RESPONSIVE BREAKPOINTS
   Mobile-first — base styles = mobile.
   Media queries layer on larger screens.
═══════════════════════════════════════ */

/* ── ≥ 480px — stats: 2 cols still, but wider padding */
@media (min-width: 480px) {
    .stats-bar {
        grid-template-columns: 1fr 1fr;
    }
}

/* ── ≥ 640px (small tablets / large phones) */
@media (min-width: 640px) {
    /* 640px+: show dividers, use 9-col grid (5 stats + 4 dividers) */
    .stats-bar {
        grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr auto 1fr;
        gap: 0;
        padding: 1.25rem 1.5rem;
    }

    .stats-bar .stat-divider {
        display: block;
    }

    .stats-bar .stat-item:last-child {
        grid-column: auto;
    }

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

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

/* ── ≥ 768px (tablets) */
@media (min-width: 768px) {
    .tools-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    /* FIX: blog grid — 2 columns on tablet */
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

    .footer-brand {
        grid-column: 1 / -1;
    }
}

/* ── ≥ 1024px (desktops) — full layout */
@media (min-width: 1024px) {
    .tools-grid {
        grid-template-columns: repeat(4, 1fr);
    }

    /* FIX: blog grid — 3 columns on desktop */
    .blog-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .calculators-grid {
        grid-template-columns: repeat(4, 1fr);
    }

    .footer-grid {
        grid-template-columns: 1.75fr 1fr 1fr 1fr 1fr;
    }

    .footer-brand {
        grid-column: auto;
    }
}

/* ── < 1024px — collapse nav to hamburger */
@media (max-width: 1023px) {
    .primary-nav {
        position: fixed;
        top: var(--header-height);
        left: 0;
        right: 0;
        background: var(--color-primary);
        border-top: 1px solid rgba(255,255,255,0.08);
        padding: 1rem;
        transform: translateY(-110%);
        opacity: 0;
        visibility: hidden;
        transition:
            transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
            opacity 0.3s ease,
            visibility 0.3s ease;
        z-index: 4999;
        overflow-y: auto;
        max-height: calc(100vh - var(--header-height));
    }

    .primary-nav.open {
        transform: translateY(0);
        opacity: 1;
        visibility: visible;
    }

    .nav-list {
        flex-direction: column;
        align-items: stretch;
        gap: 0.25rem;
    }

    .nav-link {
        padding: 0.75rem 1rem;
        font-size: 1rem;
        justify-content: space-between;
    }

    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        background: rgba(255,255,255,0.04);
        border-radius: var(--radius-sm);
        margin-top: 0.25rem;
        padding: 0.25rem 0.5rem;
        display: none;
    }

    .dropdown-menu.open { display: block; }

    .dropdown-link { color: rgba(255,255,255,0.72); }
    .dropdown-link:hover { background: rgba(255,255,255,0.08); color: #fff; }

    .mobile-menu-toggle { display: flex; }

    /* FIX: header search hidden on mobile.
       Was: display: none (search completely gone).
       Now: hidden, but .search-toggle-btn shows instead
       to open the search overlay. */
    .header-search { display: none; }
    .search-toggle-btn { display: flex; }

    /* Tool layout: single column */
    .tool-layout {
        grid-template-columns: 1fr;
    }

    /* Blog layout: single column */
    .blog-layout {
        grid-template-columns: 1fr;
    }
}

/* ── < 768px (mobile) */
@media (max-width: 767px) {
    /* Stats bar — already 2-col from base; reduce padding on small screens */
    .stats-bar {
        padding: 1rem;
        gap: 0.75rem;
    }

    .result-row {
        grid-template-columns: 120px 1fr;
    }

    .result-row > .btn-copy {
        grid-column: 2;
    }

    .post-nav {
        grid-template-columns: 1fr;
    }

    .author-box {
        flex-direction: column;
        text-align: center;
    }

    .author-box-avatar {
        align-self: center;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-brand {
        grid-column: auto;
    }

    .footer-bottom-inner {
        flex-direction: column;
        gap: 0.75rem;
        text-align: center;
    }

    .toast-container {
        left: 1rem;
        right: 1rem;
        max-width: none;
    }

    .back-to-top {
        bottom: 1.5rem;
        right: 1rem;
    }

    .modal { padding: 1.5rem 1.25rem; }

    .tools-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.75rem;
    }

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

/* ── < 400px (very small phones) */
@media (max-width: 399px) {
    .tools-grid {
        grid-template-columns: 1fr;
    }

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

    .hero h1 { font-size: 1.625rem; }

    .stats-bar {
        grid-template-columns: 1fr 1fr;
    }
}
/* ============================================================
   SELECTION COLORS
   Fix: Ctrl+A makes text invisible in dark sections
   (header, footer, lead widget, tool hero) because the
   browser's default selection overlay + dark background
   + light text = invisible combination.
   Explicit ::selection rules force readable contrast.
   ============================================================ */

/* Global default — bright blue bg, white text */
::selection {
    background: #0066FF;
    color: #ffffff;
}

/* Dark section overrides — header, footer, hero, lead card */
.site-header ::selection,
.site-footer ::selection,
.tool-hero ::selection,
.sidebar-card--lead ::selection,
.lead-widget-header ::selection,
.lead-mini-form ::selection {
    background: rgba(0, 102, 255, 0.65);
    color: #ffffff;
}

/* Form fields — inputs and selects need their own rule */
input::selection,
textarea::selection,
select::selection {
    background: #0066FF;
    color: #ffffff;
}

/* Lead form inputs specifically (dark card) */
.lead-mini-input::selection,
.lead-mini-select::selection {
    background: rgba(0, 102, 255, 0.65);
    color: #ffffff;
}

/* Result pages — IFSC/MICR/PIN code values (monospace) */
.result-field-value::selection,
.ifsc-code-display::selection,
.code-badge::selection {
    background: #00C896;
    color: #0B1F3A;
}
/* Search input — force dark text on focus so it's readable on white bg */
.header-search input:focus,
.site-header input[type="text"]:focus,
.site-header input[type="search"]:focus {
    color: #1A1A2E !important;
    caret-color: #0066FF;
}
/* All Calculators link — force consistent color on all devices */
.dropdown-menu a[href="/calculators/"],
.nav-dropdown-content a[href="/calculators/"],
a.all-calculators-link {
    color: #0066FF !important;
    font-weight: 600;
}

/* General dropdown link text color safety net */
.dropdown-menu a,
.nav-dropdown-content a,
.dropdown-link {
    color: #1A1A2E;
}
/* ── Mobile nav dropdown items — force light text on dark bg ── */
@media (max-width: 1023px) {

    /* Sub-items inside accordion dropdowns */
    .nav-dropdown-content a,
    .dropdown-menu a,
    .nav-dropdown-link,
    .dropdown-link,
    .mobile-dropdown-item,
    #primary-nav .dropdown-menu li a,
    #primary-nav .nav-dropdown-content li a {
        color: rgba(255, 255, 255, 0.80) !important;
        display: block;
        padding: 10px 20px 10px 28px;
    }

    .nav-dropdown-content a:hover,
    .dropdown-menu a:hover,
    .nav-dropdown-link:hover {
        color: #ffffff !important;
        background: rgba(255, 255, 255, 0.06);
    }

    /* "All Calculators →" accent link */
    .nav-dropdown-content a[href="/calculators/"],
    .dropdown-menu a[href="/calculators/"],
    a.all-calculators-link {
        color: #00C896 !important;
        font-weight: 600;
        border-top: 1px solid rgba(255,255,255,0.08);
        margin-top: 4px;
        padding-top: 12px;
    }

    /* Active state */
    .nav-dropdown-content a.active,
    .dropdown-menu a.active,
    .nav-dropdown-link.active {
        color: #0066FF !important;
        font-weight: 600;
    }
}
.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}