/* =========================================================
   GovtSave – styles.css
   Design tokens live in :root. Change colours/radii here.
   ========================================================= */
:root {
  --green: #047857;
  --green-dark: #022c22;
  --green-mid: #065f46;
  --green-light: #ecfdf5;
  --amber: #f59e0b;
  --amber-dark: #b45309;
  --ink: #0f172a;
  --muted: #64748b;
  --line: #e2e8f0;
  --surface: #f8fafc;
  --danger: #b91c1c;
  --radius: 16px;
  --radius-lg: 20px;
  --shadow: 0 8px 30px rgba(15, 23, 42, .05);
  --font: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; font-family: var(--font); color: var(--ink); background: #fff; line-height: 1.6; }
a { color: inherit; }
button, input, select { font: inherit; }
img, canvas { max-width: 100%; }
.container { width: min(1160px, calc(100% - 32px)); margin-inline: auto; }
.hidden { display: none !important; }
:focus-visible { outline: 3px solid #34d399; outline-offset: 2px; }

/* Smooth cross-page transitions where supported (Chrome/Edge/Safari) */
@view-transition { navigation: auto; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.nav { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; font-weight: 850; font-size: 1.35rem; }
.brand-mark { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--green); color: #fff; }
.brand em { font-style: normal; color: var(--green); }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a, .footer-link { font-size: .92rem; font-weight: 650; text-decoration: none; color: #475569; }
.nav-links a:hover, .footer-link:hover { color: var(--green); }
.nav-links a[aria-current="page"] { color: var(--green); }
.menu-btn { display: none; border: 1px solid var(--line); background: #fff; border-radius: 10px; padding: 9px 12px; cursor: pointer; }
.mobile-links { display: none; padding: 0 0 16px; }
.mobile-links a { display: block; padding: 10px 0; text-decoration: none; color: #475569; font-weight: 600; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; justify-content: center; align-items: center; gap: 8px; padding: 12px 18px; border-radius: 12px; border: 0; font-weight: 750; text-decoration: none; cursor: pointer; }
.btn-white { background: #fff; color: var(--green-dark); }
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: var(--green-mid); }
.btn-outline-light { border: 1px solid rgba(255, 255, 255, .45); color: #fff; }
.primary-btn { width: 100%; border: 0; border-radius: 12px; padding: 13px 16px; background: var(--green); color: #fff; font-weight: 800; cursor: pointer; transition: background .2s; }
.primary-btn:hover { background: var(--green-mid); }

/* Premium PDF button */
.download-btn {
  width: 100%; margin-top: 16px; display: flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 18px; border: 0; border-radius: 12px; cursor: pointer; font-weight: 850; letter-spacing: .01em;
  color: #451a03; background: linear-gradient(135deg, #fde68a 0%, #fbbf24 45%, #f59e0b 100%);
  box-shadow: 0 6px 18px rgba(245, 158, 11, .35), inset 0 1px 0 rgba(255, 255, 255, .6);
  transition: transform .15s, box-shadow .15s, filter .15s;
}
.download-btn:hover { transform: translateY(-1px); box-shadow: 0 10px 24px rgba(245, 158, 11, .45), inset 0 1px 0 rgba(255, 255, 255, .6); }
.download-btn:active { transform: translateY(0); }
.download-btn[disabled] { filter: grayscale(.7); opacity: .6; cursor: not-allowed; transform: none; box-shadow: none; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(125deg, #022c22, #047857 68%, #059669); color: #fff; padding: 72px 0; }
.hero-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; }
.eyebrow { display: inline-flex; gap: 8px; align-items: center; padding: 7px 12px; border-radius: 999px; background: rgba(255, 255, 255, .13); border: 1px solid rgba(255, 255, 255, .19); font-size: .83rem; font-weight: 700; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.7rem); line-height: 1.1; letter-spacing: -.04em; margin: 22px 0; }
.hero p { color: #d1fae5; max-width: 650px; font-size: 1.08rem; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero-panel { padding: 26px; border: 1px solid rgba(255, 255, 255, .19); background: rgba(255, 255, 255, .07); border-radius: 22px; backdrop-filter: blur(8px); }
.hero-panel strong { font-size: 1.4rem; display: block; }
.hero-stat { padding: 15px 0; border-bottom: 1px solid rgba(255, 255, 255, .15); }
.hero-stat:last-child { border: 0; }

/* ---------- Sections ---------- */
.section { padding: 68px 0; }
.section-muted { background: var(--surface); }
.section-heading { text-align: center; max-width: 760px; margin: 0 auto 38px; }
.section-heading h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); line-height: 1.2; margin: 12px 0; letter-spacing: -.03em; }
.section-heading p { color: var(--muted); margin: 0; }
.pill { display: inline-block; padding: 6px 12px; background: var(--green-light); color: var(--green); border-radius: 999px; font-size: .78rem; font-weight: 800; }

/* ---------- Rate cards ---------- */
.rate-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
.rate-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; text-align: center; }
.rate-card span { display: block; color: var(--muted); font-size: .88rem; }
.rate-card strong { display: block; font-size: 1.55rem; color: var(--green); margin: 5px 0; }
.rate-note { font-size: .8rem; color: var(--muted); text-align: center; margin: 18px 0 0; }

/* ---------- Calculators ---------- */
.calculator-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; align-items: start; }
.calculator-grid > .calculator-card:last-child:nth-child(odd) { grid-column: 1 / -1; justify-self: center; width: min(100%, calc(50% - 11px)); }
.calculator-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); min-width: 0; }
.calc-head { display: flex; justify-content: space-between; gap: 12px; align-items: flex-start; margin-bottom: 22px; }
.calc-head h3 { font-size: 1.35rem; line-height: 1.25; margin: 10px 0 0; }
.rate-badge { color: var(--green); font-size: .85rem; font-weight: 800; white-space: nowrap; }

.field { margin-bottom: 18px; }
.field label { display: block; font-size: .9rem; font-weight: 750; margin-bottom: 8px; color: #334155; }
.amount-input { width: 100%; border: 1px solid #cbd5e1; border-radius: 11px; padding: 12px 13px; background: #fff; color: var(--ink); outline: none; }
.amount-input:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(16, 185, 129, .15); }
.range { width: 100%; accent-color: var(--green); margin-top: 12px; }
.field-help { display: flex; justify-content: space-between; gap: 12px; font-size: .78rem; color: var(--muted); margin-top: 5px; }
.error { color: var(--danger); font-size: .84rem; margin: 8px 0; }

/* Results */
.results { margin-top: 20px; transition: opacity .2s; }
.results.is-stale { opacity: .45; }
.result-hero { padding: 20px; border-radius: var(--radius); background: var(--green-dark); color: #fff; }
.result-hero p { margin: 0; color: #a7f3d0; font-size: .88rem; font-weight: 700; }
.result-hero strong { display: block; font-size: clamp(1.55rem, 3vw, 2rem); line-height: 1.3; margin-top: 8px; overflow-wrap: anywhere; }
.result-hero .hero-note { display: block; color: #a7f3d0; font-size: .8rem; margin-top: 6px; }
.result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 12px; }
.result-card { border: 1px solid var(--line); border-radius: 14px; padding: 15px; min-width: 0; }
.result-card span { display: block; color: var(--muted); font-size: .8rem; font-weight: 650; }
.result-card strong { display: block; font-size: 1.15rem; margin-top: 5px; overflow-wrap: anywhere; }
.result-card.is-invest { border-top: 4px solid var(--green); }
.result-card.is-interest { border-top: 4px solid var(--amber); }
.chart-wrap { position: relative; height: 290px; margin-top: 14px; border: 1px solid var(--line); border-radius: var(--radius); padding: 14px; background: #fff; }
.chart-fallback { display: grid; place-items: center; height: 100%; color: var(--muted); font-size: .85rem; text-align: center; }
.fine-print { font-size: .77rem; color: var(--muted); line-height: 1.65; margin: 16px 0 0; }
.notice { font-size: .8rem; color: var(--muted); margin-top: 20px; }

/* ---------- Comparison ---------- */
.comparison-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 14px; }
.comparison-table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: .9rem; }
.comparison-table th { background: var(--green-dark); color: #fff; text-align: left; padding: 14px; }
.comparison-table td { padding: 14px; border-top: 1px solid var(--line); vertical-align: top; }
.comparison-table tr:nth-child(even) td { background: var(--surface); }

/* ---------- Guide cards (homepage) ---------- */
.guide-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.guide-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 25px; display: flex; flex-direction: column; align-items: flex-start; min-width: 0; transition: transform .25s, box-shadow .25s, border-color .25s; }
.guide-card:hover { transform: translateY(-4px); border-color: #a7f3d0; box-shadow: 0 15px 35px rgba(15, 23, 42, .06); }
.guide-icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; font-size: 1.3rem; margin-bottom: 18px; background: var(--green-light); color: var(--green); }
.guide-icon.blue { background: #dbeafe; color: #1d4ed8; }
.guide-icon.amber { background: #fef3c7; color: #b45309; }
.guide-icon.violet { background: #ede9fe; color: #6d28d9; }
.guide-icon.rose { background: #ffe4e6; color: #be123c; }
.guide-icon.cyan { background: #cffafe; color: #0e7490; }
.guide-tag { font-size: .72rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; color: var(--green); background: var(--green-light); padding: 5px 10px; border-radius: 999px; margin-bottom: 12px; }
.guide-title { font-size: 1.15rem; line-height: 1.45; margin: 0 0 10px; font-weight: 800; }
.guide-description { color: var(--muted); font-size: .91rem; line-height: 1.7; margin: 0 0 20px; flex-grow: 1; }
.guide-link { display: inline-flex; align-items: center; gap: 8px; color: var(--green); font-weight: 800; text-decoration: none; font-size: .9rem; }
.guide-link:hover { color: var(--green-mid); }
.guide-link:hover i { transform: translateX(3px); }
.guide-link i { transition: transform .2s; }

/* ---------- Guide article pages ---------- */
.page-hero { background: linear-gradient(125deg, #022c22, #047857 75%); color: #fff; padding: 48px 0 56px; }
.page-hero .pill { background: rgba(255, 255, 255, .15); color: #d1fae5; }
.page-hero h1 { font-size: clamp(1.9rem, 4.5vw, 3rem); line-height: 1.15; letter-spacing: -.03em; margin: 16px 0 12px; max-width: 820px; }
.page-hero p { color: #d1fae5; max-width: 700px; margin: 0; font-size: 1.05rem; }
.breadcrumb { font-size: .85rem; color: #a7f3d0; margin-bottom: 8px; }
.breadcrumb a { text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 40px; padding: 48px 0 68px; align-items: start; }
.article { min-width: 0; }
.article h2 { font-size: 1.5rem; line-height: 1.3; margin: 34px 0 12px; letter-spacing: -.02em; }
.article h2:first-child { margin-top: 0; }
.article p, .article li { color: #334155; line-height: 1.85; }
.article ul, .article ol { padding-left: 22px; }
.article a { color: var(--green); font-weight: 700; }
.callout { margin: 24px 0; padding: 20px 22px; border-radius: 14px; background: var(--green-light); border: 1px solid #a7f3d0; }
.callout h3 { margin: 0 0 8px; font-size: 1.05rem; color: var(--green-dark); }
.callout ul { margin: 0; }
.callout.warn { background: #fffbeb; border-color: #fde68a; }
.callout.warn h3 { color: var(--amber-dark); }
.fact-table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: .94rem; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.fact-table th, .fact-table td { text-align: left; padding: 12px 14px; border-top: 1px solid var(--line); vertical-align: top; }
.fact-table tr:first-child th, .fact-table tr:first-child td { border-top: 0; }
.fact-table th { width: 38%; background: var(--surface); color: #334155; }
.sidebar { position: sticky; top: 96px; display: grid; gap: 16px; }
.side-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; background: #fff; box-shadow: var(--shadow); }
.side-card h3 { margin: 0 0 8px; font-size: 1.05rem; }
.side-card p { margin: 0 0 14px; color: var(--muted); font-size: .9rem; }
.side-card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.side-card li a { text-decoration: none; font-weight: 700; color: #334155; font-size: .92rem; }
.side-card li a:hover { color: var(--green); }
.side-card .btn { width: 100%; }

/* ---------- Footer ---------- */
.site-footer { background: #020617; color: #cbd5e1; padding: 55px 0 25px; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr 1.1fr; gap: 30px; }
.site-footer h3 { color: #fff; margin: 0 0 15px; font-size: 1.05rem; }
.site-footer p, .site-footer li { font-size: .88rem; color: #94a3b8; line-height: 1.8; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer .footer-link { color: #94a3b8; }
.site-footer .footer-link:hover { color: #34d399; }
.disclaimer { margin-top: 34px; padding: 20px; border: 1px solid rgba(245, 158, 11, .33); background: rgba(245, 158, 11, .05); border-radius: 14px; }
.disclaimer h3 { color: #fcd34d; }
.disclaimer p { margin: 7px 0; }
.privacy { margin-top: 24px; }
.copyright { border-top: 1px solid #1e293b; margin-top: 28px; padding-top: 22px; display: flex; justify-content: space-between; gap: 15px; flex-wrap: wrap; font-size: .78rem; color: #64748b; }

/* ---------- Responsive ---------- */
@media (max-width: 950px) {
  .rate-grid { grid-template-columns: repeat(3, 1fr); }
  .guide-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hero-grid { grid-template-columns: 1fr .7fr; }
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
}
@media (max-width: 700px) {
  .nav-links { display: none; }
  .menu-btn { display: block; }
  .mobile-links.open { display: block; }
  .hero { padding: 54px 0; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-panel { max-width: 520px; }
  .section { padding: 52px 0; }
  .calculator-grid { grid-template-columns: 1fr; }
  .calculator-grid > .calculator-card:last-child:nth-child(odd) { width: 100%; }
  .rate-grid { grid-template-columns: repeat(2, 1fr); }
  .guide-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .calculator-card { padding: 20px; }
  .chart-wrap { height: 270px; }
  .result-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; animation: none !important; }
}
/* --- Premium Features Styling --- */
.share-btn {
  background-color: #2563eb !important;
  color: #ffffff !important;
  margin-top: 10px !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 8px !important;
  transition: all 0.2s ease-in-out !important;
}

.share-btn:hover {
  background-color: #1d4ed8 !important;
  transform: translateY(-1px);
}

.smart-tip-box {
  background-color: #f0fdf4;
  border-left: 4px solid #10b981;
  padding: 12px 16px;
  border-radius: 8px;
  margin: 16px 0;
  font-size: 0.88rem;
  color: #065f46;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.smart-tip-box i {
  color: #10b981;
  font-size: 1.1rem;
  margin-top: 2px;
}

.breakdown-toggle-btn {
  background: transparent;
  border: 1px solid #cbd5e1;
  color: #334155;
  padding: 8px 14px;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  margin-top: 12px;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: background 0.2s;
}

.breakdown-toggle-btn:hover {
  background-color: #f8fafc;
}

.yearly-breakdown-wrap {
  margin-top: 14px;
  max-height: 220px;
  overflow-y: auto;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
}

.yearly-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  text-align: left;
}

.yearly-table th {
  background-color: #f1f5f9;
  color: #475569;
  padding: 8px 12px;
  position: sticky;
  top: 0;
}

.yearly-table td {
  padding: 8px 12px;
  border-bottom: 1px solid #f1f5f9;
  color: #1e293b;
}
/* =========================================================
   PHASE 1 - PREMIUM QUICK DASHBOARD
========================================================= */

.premium-dashboard {
  padding-top: 48px;
  padding-bottom: 48px;
}

.premium-dashboard-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.premium-dashboard-card {
  position: relative;
  display: flex;
  align-items: center;
  gap: 14px;
  min-height: 112px;
  padding: 18px;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  background: #ffffff;
  color: #0f172a;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.06);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    border-color 0.2s ease;
}

.premium-dashboard-card:hover {
  transform: translateY(-4px);
  border-color: #a7f3d0;
  box-shadow: 0 14px 32px rgba(15, 23, 42, 0.10);
}

.premium-dashboard-card > div:nth-child(2) {
  min-width: 0;
  padding-right: 18px;
}

.premium-dashboard-card strong {
  display: block;
  margin-bottom: 5px;
  font-size: 15px;
  line-height: 1.35;
}

.premium-dashboard-card span {
  display: block;
  color: #64748b;
  font-size: 12.5px;
  line-height: 1.45;
}

.premium-dashboard-icon {
  flex: 0 0 46px;
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: #ecfdf5;
  color: #047857;
  font-size: 18px;
}

.dashboard-arrow {
  position: absolute;
  right: 16px;
  color: #94a3b8;
  font-size: 13px;
  transition: transform 0.2s ease, color 0.2s ease;
}

.premium-dashboard-card:hover .dashboard-arrow {
  color: #047857;
  transform: translateX(3px);
}

@media (max-width: 900px) {
  .premium-dashboard-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 560px) {
  .premium-dashboard {
    padding-top: 36px;
    padding-bottom: 36px;
  }

  .premium-dashboard-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .premium-dashboard-card {
    min-height: 96px;
    padding: 16px;
  }

  .premium-dashboard-icon {
    flex-basis: 42px;
    width: 42px;
    height: 42px;
  }
}
/* =========================================================
   PHASE 1 - MONTHLY INVESTMENT PLANNER
========================================================= */

.planner-card {
  display: grid;
  grid-template-columns: minmax(260px, 0.85fr) minmax(0, 1.15fr);
  gap: 24px;
  padding: 24px;
  border: 1px solid #e2e8f0;
  border-radius: 18px;
  background: #ffffff;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.07);
}

.planner-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.planner-form .field {
  margin: 0;
}

.planner-calculate-btn {
  width: 100%;
  margin-top: 4px;
}

.planner-results {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.planner-result-main {
  padding: 24px;
  border-radius: 16px;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  text-align: center;
}

.planner-result-main span {
  display: block;
  margin-bottom: 8px;
  color: #475569;
  font-size: 13px;
  font-weight: 600;
}

.planner-result-main strong {
  display: block;
  color: #047857;
  font-size: clamp(28px, 4vw, 40px);
  line-height: 1.15;
}

.planner-result-main small {
  display: block;
  margin-top: 8px;
  color: #64748b;
  font-size: 12px;
}

.planner-result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.planner-result-grid .result-card {
  margin: 0;
}

.planner-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 13px 15px;
  border-radius: 12px;
  background: #f8fafc;
  color: #64748b;
  font-size: 12px;
  line-height: 1.55;
}

.planner-note i {
  flex: 0 0 auto;
  margin-top: 2px;
  color: #047857;
}

/* Mobile */
@media (max-width: 760px) {
  .planner-card {
    grid-template-columns: 1fr;
    padding: 18px;
    gap: 20px;
  }

  .planner-result-grid {
    grid-template-columns: 1fr;
  }

  .planner-result-main {
    padding: 20px 16px;
  }
}
/* =========================================================
   PHASE 1 - PROFESSIONAL FAQ SECTION
========================================================= */

.faq-section {
  padding-top: 48px;
  padding-bottom: 48px;
}

.faq-list {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  background: #ffffff;
  overflow: hidden;
  box-shadow: 0 6px 18px rgba(15, 23, 42, 0.05);
  transition:
    border-color 0.2s ease,
    box-shadow 0.2s ease;
}

.faq-item:hover {
  border-color: #cbd5e1;
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.08);
}

.faq-item summary {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 19px 20px;
  cursor: pointer;
  list-style: none;
  color: #0f172a;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.45;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary i {
  flex: 0 0 auto;
  color: #64748b;
  font-size: 13px;
  transition: transform 0.2s ease;
}

.faq-item[open] summary {
  color: #047857;
}

.faq-item[open] summary i {
  transform: rotate(180deg);
  color: #047857;
}

.faq-answer {
  padding: 0 20px 20px;
  color: #64748b;
  font-size: 13px;
  line-height: 1.7;
  border-top: 1px solid #f1f5f9;
  padding-top: 16px;
}

/* Mobile */
@media (max-width: 560px) {
  .faq-section {
    padding-top: 36px;
    padding-bottom: 36px;
  }

  .faq-item summary {
    padding: 17px 16px;
    font-size: 14px;
  }

  .faq-answer {
    padding: 0 16px 17px;
    padding-top: 14px;
    font-size: 12.5px;
  }

  .faq-item summary i {
    font-size: 12px;
  }
}
/* =========================================================
   PHASE 2 - WEBSITE SEARCH BAR
========================================================= */

.site-search {
  position: relative;
  width: 280px;
  flex: 0 0 280px;
  display: flex;
  align-items: center;
}

.site-search > i {
  position: absolute;
  left: 14px;
  color: #64748b;
  font-size: 14px;
  pointer-events: none;
}

.site-search input {
  width: 100%;
  height: 42px;
  padding: 0 40px 0 38px;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  background: #f8fafc;
  color: #0f172a;
  font-size: 13px;
  outline: none;
  transition:
    border-color 0.2s ease,
    box-shadow 0.2s ease,
    background 0.2s ease;
}

.site-search input::placeholder {
  color: #94a3b8;
}

.site-search input:focus {
  border-color: #6ee7b7;
  background: #ffffff;
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.10);
}

.site-search button {
  position: absolute;
  right: 8px;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border: 0;
  border-radius: 8px;
  background: transparent;
  color: #94a3b8;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transition:
    opacity 0.2s ease,
    background 0.2s ease,
    color 0.2s ease;
}

.site-search.has-value button {
  opacity: 1;
  pointer-events: auto;
}

.site-search button:hover {
  background: #ecfdf5;
  color: #047857;
}

/* Tablet */
@media (max-width: 1050px) {
  .site-search {
    width: 230px;
    flex-basis: 230px;
  }

  .site-search input {
    font-size: 12px;
  }
}

/* Mobile */
@media (max-width: 760px) {
  .site-search {
    width: 100%;
    flex-basis: 100%;
    margin-top: 12px;
  }
}
/* =========================================================
   PHASE 2 - POPULAR CALCULATORS
========================================================= */

.popular-calculators {
  padding-top: 48px;
  padding-bottom: 48px;
}

.popular-calculator-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
}

.popular-calculator-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 205px;
  padding: 20px;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  background: #ffffff;
  color: #0f172a;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.06);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    border-color 0.2s ease;
}

.popular-calculator-card:hover {
  transform: translateY(-5px);
  border-color: #a7f3d0;
  box-shadow: 0 14px 30px rgba(15, 23, 42, 0.10);
}

.popular-calculator-icon {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  margin-bottom: 16px;
  border-radius: 12px;
  background: #ecfdf5;
  color: #047857;
  font-size: 18px;
}

.popular-calculator-content {
  padding-right: 18px;
}

.popular-label {
  display: inline-block;
  margin-bottom: 6px;
  color: #059669;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.popular-calculator-content h3 {
  margin: 0 0 7px;
  font-size: 16px;
  line-height: 1.3;
}

.popular-calculator-content p {
  margin: 0;
  color: #64748b;
  font-size: 12px;
  line-height: 1.55;
}

.popular-arrow {
  position: absolute;
  right: 18px;
  bottom: 20px;
  color: #94a3b8;
  font-size: 13px;
  transition:
    transform 0.2s ease,
    color 0.2s ease;
}

.popular-calculator-card:hover .popular-arrow {
  color: #047857;
  transform: translateX(4px);
}

/* Tablet */
@media (max-width: 1050px) {
  .popular-calculator-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* Small tablet */
@media (max-width: 720px) {
  .popular-calculator-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Mobile */
@media (max-width: 500px) {
  .popular-calculators {
    padding-top: 36px;
    padding-bottom: 36px;
  }

  .popular-calculator-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .popular-calculator-card {
    min-height: 165px;
    padding: 18px;
  }
}
/* =========================================================
   PHASE 2 - MOBILE QUICK NAVIGATION
========================================================= */

.mobile-quick-nav {
  display: none;
}

@media (max-width: 760px) {
  .mobile-quick-nav {
    position: fixed;
    left: 12px;
    right: 12px;
    bottom: 12px;
    z-index: 9999;

    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 4px;

    padding: 8px;
    border: 1px solid #e2e8f0;
    border-radius: 18px;

    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 10px 30px rgba(15, 23, 42, 0.16);

    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
  }

  .mobile-quick-nav a {
    min-width: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;

    min-height: 52px;
    padding: 6px 3px;

    border-radius: 12px;
    color: #64748b;
    text-decoration: none;

    font-size: 10px;
    font-weight: 700;

    transition:
      background 0.2s ease,
      color 0.2s ease,
      transform 0.2s ease;
  }

  .mobile-quick-nav a i {
    font-size: 16px;
  }

  .mobile-quick-nav a:hover,
  .mobile-quick-nav a:focus {
    background: #ecfdf5;
    color: #047857;
  }

  .mobile-quick-nav a:active {
    transform: scale(0.95);
  }

  /* Prevent the fixed bar from covering page content */
  body {
    padding-bottom: 86px;
  }
}
/* =========================
   PHASE 2 - PROFESSIONAL CONTACT
========================== */

.contact-section {
  padding-top: 70px;
  padding-bottom: 70px;
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  max-width: 900px;
  margin: 0 auto;
}

.contact-info-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 18px;
  padding: 30px;
  text-align: center;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.contact-info-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}

.contact-icon {
  width: 58px;
  height: 58px;
  margin: 0 auto 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  background: #eef2ff;
  color: #4f46e5;
}

.contact-info-card h3 {
  margin: 0 0 12px;
  font-size: 1.2rem;
}

.contact-info-card p {
  margin: 0 0 16px;
  line-height: 1.7;
  color: #64748b;
}

.contact-email {
  display: inline-block;
  font-weight: 700;
  text-decoration: none;
  color: #4f46e5;
  word-break: break-word;
}

.contact-email:hover {
  text-decoration: underline;
}

@media (max-width: 700px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .contact-info-card {
    padding: 24px 20px;
  }
}
/* =========================
   PHASE 3 - DARK / LIGHT MODE
========================== */

.theme-toggle {
  width: 42px;
  height: 42px;
  flex: 0 0 42px;
  border: 1px solid #dbe4ee;
  border-radius: 12px;
  background: #ffffff;
  color: #0f172a;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1rem;
  transition: all 0.2s ease;
}

.theme-toggle:hover {
  background: #f1f5f9;
  transform: translateY(-1px);
}

.theme-toggle:focus-visible {
  outline: 3px solid #5eead4;
  outline-offset: 2px;
}

/* DARK MODE */

html.dark-mode body {
  background: #0f172a;
  color: #e2e8f0;
}

html.dark-mode .site-header {
  background: #0f172a;
  border-bottom-color: #334155;
}

html.dark-mode .nav-links a,
html.dark-mode .brand {
  color: #e2e8f0;
}

html.dark-mode .site-search {
  background: #1e293b;
  border-color: #475569;
}

html.dark-mode .site-search input {
  color: #f8fafc;
}

html.dark-mode .site-search input::placeholder {
  color: #94a3b8;
}

html.dark-mode .calculator-card,
html.dark-mode .popular-calculator-card,
html.dark-mode .contact-info-card,
html.dark-mode .faq-item {
  background: #1e293b;
  border-color: #334155;
  color: #e2e8f0;
}

html.dark-mode .calculator-card h3,
html.dark-mode .contact-info-card h3,
html.dark-mode .faq-item summary,
html.dark-mode .popular-calculator-card h3 {
  color: #f8fafc;
}

html.dark-mode .calculator-card p,
html.dark-mode .contact-info-card p,
html.dark-mode .faq-item p,
html.dark-mode .popular-calculator-card p {
  color: #cbd5e1;
}

html.dark-mode .amount-input,
html.dark-mode select,
html.dark-mode input[type="number"],
html.dark-mode input[type="search"] {
  background: #0f172a;
  color: #f8fafc;
  border-color: #475569;
}

html.dark-mode .result-card {
  background: #0f172a;
  border-color: #334155;
}

html.dark-mode .rate-card {
  background: #1e293b;
  border-color: #334155;
  color: #e2e8f0;
}

html.dark-mode .rate-card p,
html.dark-mode .rate-card span {
  color: #cbd5e1;
}

html.dark-mode .section-muted {
  background: #111827;
}

html.dark-mode .site-footer {
  background: #020617;
}

html.dark-mode .theme-toggle {
  background: #1e293b;
  border-color: #475569;
  color: #facc15;
}

html.dark-mode .mobile-quick-nav {
  background: rgba(15, 23, 42, 0.94);
  border-top-color: #334155;
}

html.dark-mode .mobile-quick-nav a {
  color: #cbd5e1;
}

html.dark-mode .mobile-links {
  background: #0f172a;
  border-color: #334155;
}

html.dark-mode .mobile-links a {
  color: #e2e8f0;
}

@media (max-width: 760px) {
  .theme-toggle {
    width: 40px;
    height: 40px;
    flex-basis: 40px;
  }
}
/* =========================
   STEP 10 - ADVANCED COMPARISON CHART
========================== */

.advanced-chart-box {
  margin-top: 30px;
  padding: 28px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 18px;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
}

.advanced-chart-heading {
  text-align: center;
  margin-bottom: 24px;
}

.advanced-chart-heading h3 {
  margin: 10px 0 8px;
  font-size: 1.35rem;
}

.advanced-chart-heading p {
  margin: 0;
  color: #64748b;
}

.chart-wrapper {
  position: relative;
  width: 100%;
  height: 360px;
}

#scheme-comparison-chart {
  width: 100% !important;
  height: 100% !important;
}

/* DARK MODE */

html.dark-mode .advanced-chart-box {
  background: #1e293b;
  border-color: #334155;
}

html.dark-mode .advanced-chart-heading h3 {
  color: #f8fafc;
}

html.dark-mode .advanced-chart-heading p {
  color: #cbd5e1;
}

/* MOBILE */

@media (max-width: 700px) {
  .advanced-chart-box {
    padding: 20px 14px;
  }

  .chart-wrapper {
    height: 300px;
  }

  .advanced-chart-heading h3 {
    font-size: 1.15rem;
  }
}
/* =========================
   STEP 11 - SCHEME QUIZ
========================== */

.scheme-quiz-section {
  padding-top: 70px;
  padding-bottom: 70px;
}

.scheme-quiz-card {
  max-width: 850px;
  margin: 0 auto;
  padding: 34px;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 24px;
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.09);
}

.quiz-question {
  display: none;
}

.quiz-question.active {
  display: block;
  animation: quizFadeIn 0.3s ease;
}

@keyframes quizFadeIn {
  from {
    opacity: 0;
    transform: translateY(8px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.quiz-step {
  display: inline-block;
  margin-bottom: 10px;
  font-size: 0.82rem;
  font-weight: 700;
  color: #4f46e5;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.quiz-question h3 {
  margin: 0 0 24px;
  font-size: 1.45rem;
  color: #0f172a;
}

.quiz-options {
  display: grid;
  gap: 14px;
}

.quiz-option {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  background: #ffffff;
  color: #0f172a;
  text-align: left;
  cursor: pointer;
  transition: all 0.2s ease;
}

.quiz-option:hover {
  border-color: #818cf8;
  background: #f8faff;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(79, 70, 229, 0.08);
}

.quiz-option i {
  width: 46px;
  height: 46px;
  flex: 0 0 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 13px;
  background: #eef2ff;
  color: #4f46e5;
  font-size: 1.1rem;
}

.quiz-option span {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.quiz-option strong {
  font-size: 0.98rem;
}

.quiz-option small {
  color: #64748b;
  font-size: 0.84rem;
  line-height: 1.45;
}


/* QUIZ RESULT */

.quiz-result {
  display: none;
  text-align: center;
  animation: quizFadeIn 0.4s ease;
}

.quiz-result.show {
  display: block;
}

.quiz-result-icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 20px;
  background: #eef2ff;
  color: #4f46e5;
  font-size: 1.65rem;
}

.quiz-result-label {
  display: block;
  margin-bottom: 8px;
  color: #64748b;
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.quiz-result h3 {
  margin: 0 0 12px;
  font-size: 1.7rem;
  color: #0f172a;
}

.quiz-result p {
  max-width: 620px;
  margin: 0 auto;
  color: #64748b;
  line-height: 1.7;
}

.quiz-result-actions {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 26px;
  flex-wrap: wrap;
}

.quiz-result-actions .btn {
  min-width: 155px;
  text-align: center;
}

.quiz-disclaimer {
  margin-top: 22px !important;
  font-size: 0.78rem;
  color: #94a3b8 !important;
}


/* DARK MODE */

html.dark-mode .scheme-quiz-card {
  background: #1e293b;
  border-color: #334155;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.2);
}

html.dark-mode .quiz-question h3,
html.dark-mode .quiz-result h3 {
  color: #f8fafc;
}

html.dark-mode .quiz-option {
  background: #0f172a;
  border-color: #334155;
  color: #f8fafc;
}

html.dark-mode .quiz-option:hover {
  background: #172033;
  border-color: #6366f1;
}

html.dark-mode .quiz-option i,
html.dark-mode .quiz-result-icon {
  background: #312e81;
  color: #c7d2fe;
}

html.dark-mode .quiz-option small,
html.dark-mode .quiz-result p,
html.dark-mode .quiz-result-label {
  color: #cbd5e1;
}


/* MOBILE */

@media (max-width: 700px) {

  .scheme-quiz-section {
    padding-top: 50px;
    padding-bottom: 50px;
  }

  .scheme-quiz-card {
    padding: 22px 16px;
    border-radius: 20px;
  }

  .quiz-question h3 {
    font-size: 1.2rem;
  }

  .quiz-option {
    padding: 15px;
    gap: 12px;
  }

  .quiz-option i {
    width: 42px;
    height: 42px;
    flex-basis: 42px;
  }

  .quiz-result h3 {
    font-size: 1.4rem;
  }

  .quiz-result-actions {
    flex-direction: column;
  }

  .quiz-result-actions .btn {
    width: 100%;
  }
}
/* =========================================
   GovtSave Premium Scheme Badges
   ========================================= */

.scheme-title-row {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.scheme-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 9px;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 700;
  line-height: 1;
  white-space: nowrap;
  border: 1px solid rgba(0, 0, 0, 0.08);
}

.scheme-badge i {
  font-size: 0.68rem;
}

.badge-featured {
  background: #fff4d6;
  color: #9a6700;
  border-color: #f0d58a;
}

.badge-popular {
  background: #ffe8e8;
  color: #b42318;
  border-color: #f2b8b8;
}

.badge-income {
  background: #e8f7ef;
  color: #18794e;
  border-color: #b7e3cb;
}

.badge-longterm {
  background: #eaf2ff;
  color: #2457a6;
  border-color: #b9d0f5;
}

.badge-senior {
  background: #f1eaff;
  color: #6941c6;
  border-color: #d5c4f5;
}

/* Dark mode */
.dark-mode .scheme-badge {
  border-color: rgba(255, 255, 255, 0.14);
}

.dark-mode .badge-featured {
  background: rgba(240, 181, 52, 0.15);
  color: #f6c85f;
}

.dark-mode .badge-popular {
  background: rgba(220, 70, 70, 0.15);
  color: #ff8f8f;
}

.dark-mode .badge-income {
  background: rgba(40, 170, 100, 0.15);
  color: #70d6a0;
}

.dark-mode .badge-longterm {
  background: rgba(70, 120, 220, 0.15);
  color: #8bb4ff;
}

.dark-mode .badge-senior {
  background: rgba(130, 90, 220, 0.15);
  color: #c2a6ff;
}
/* =========================================
   GovtSave Final Premium Calculator Cards
   ========================================= */

.calculator-card {
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(15, 23, 42, 0.08);
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.07);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.calculator-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 42px rgba(15, 23, 42, 0.12);
  border-color: rgba(37, 99, 235, 0.22);
}

.calculator-card .calc-head {
  position: relative;
}

.calculator-card h3 {
  margin-top: 10px;
  line-height: 1.25;
}

.calculator-card .rate-badge {
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06);
}

/* Dark mode */

.dark-mode .calculator-card {
  border-color: rgba(255, 255, 255, 0.09);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.22);
}

.dark-mode .calculator-card:hover {
  border-color: rgba(120, 160, 255, 0.28);
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.30);
}

.dark-mode .calculator-card .rate-badge {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.20);
}
/* =========================================
   GovtSave Final Premium Result Area
   ========================================= */

.calculator-card .result {
  border-radius: 16px;
  padding: 20px;
  margin-top: 18px;
  background: linear-gradient(135deg, #f8fbff, #ffffff);
  border: 1px solid rgba(37, 99, 235, 0.10);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8);
}

.calculator-card .result-row {
  padding: 11px 0;
}

.calculator-card [data-out="hero"] {
  font-size: 1.45rem;
  font-weight: 800;
}

.dark-mode .calculator-card .result {
  background: linear-gradient(135deg, rgba(30, 45, 70, 0.55), rgba(20, 28, 42, 0.75));
  border-color: rgba(120, 160, 255, 0.14);
  box-shadow: none;
}
/* =========================================
   GovtSave Final Premium Buttons
   ========================================= */

.calculator-card .download-btn,
.calculator-card button[type="submit"] {
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}

.calculator-card .download-btn:hover,
.calculator-card button[type="submit"]:hover {
  transform: translateY(-2px);
  filter: brightness(1.03);
  box-shadow: 0 8px 20px rgba(15, 23, 42, 0.12);
}

.calculator-card .download-btn:active,
.calculator-card button[type="submit"]:active {
  transform: translateY(0);
}

.dark-mode .calculator-card .download-btn:hover,
.dark-mode .calculator-card button[type="submit"]:hover {
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.28);
}
/* =========================================
   GovtSave Final Premium Section Headings
   ========================================= */

.section-heading h2 {
  letter-spacing: -0.02em;
}

.section-heading p {
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

.section-heading .pill {
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06);
}

.dark-mode .section-heading .pill {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.18);
}
/* =========================================
   GovtSave Final Mobile Calculator Polish
   ========================================= */

@media (max-width: 760px) {
  .calculator-card {
    border-radius: 18px;
  }

  .calculator-card .calc-head {
    gap: 12px;
  }

  .calculator-card .rate-badge {
    flex-shrink: 0;
  }

  .calculator-card .result {
    padding: 16px;
  }

  .calculator-card .download-btn,
  .calculator-card button[type="submit"] {
    width: 100%;
  }

  .calculator-card [data-out="hero"] {
    font-size: 1.3rem;
  }
}
/* =========================================
   GovtSave Final Trust & Professional Touch
   ========================================= */

.contact-info-card,
.faq-item,
.guide-card,
.popular-calculator-card {
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.contact-info-card:hover,
.guide-card:hover,
.popular-calculator-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.08);
}

.faq-item {
  overflow: hidden;
}

.dark-mode .contact-info-card:hover,
.dark-mode .guide-card:hover,
.dark-mode .popular-calculator-card:hover {
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.25);
}
/* =========================================================
   GOVTSAVE - DARK MODE TEXT VISIBILITY FIX
   ========================================================= */

html.dark-mode .field label {
  color: #f1f5f9 !important;
}

html.dark-mode .field-help {
  color: #94a3b8 !important;
}

html.dark-mode .rate-badge {
  color: #6ee7b7 !important;
}

/* Inputs */
html.dark-mode input,
html.dark-mode select,
html.dark-mode textarea {
  background: #0f172a !important;
  color: #f8fafc !important;
  border-color: #475569 !important;
}

html.dark-mode input::placeholder,
html.dark-mode textarea::placeholder {
  color: #94a3b8 !important;
}

/* Comparison */
html.dark-mode .comparison-wrap label,
html.dark-mode .comparison label {
  color: #f1f5f9 !important;
}

html.dark-mode .comparison-table th {
  background: #064e3b !important;
  color: #ffffff !important;
}

html.dark-mode .comparison-table td {
  background: #1e293b !important;
  color: #f1f5f9 !important;
  border-color: #475569 !important;
}

/* Growth table */
html.dark-mode .yearly-table th {
  background: #334155 !important;
  color: #ffffff !important;
}

html.dark-mode .yearly-table td {
  background: #1e293b !important;
  color: #e2e8f0 !important;
  border-color: #475569 !important;
}

/* Growth table button */
html.dark-mode .breakdown-toggle-btn {
  color: #f1f5f9 !important;
  border-color: #64748b !important;
}

html.dark-mode .breakdown-toggle-btn:hover {
  color: #ffffff !important;
  background: #1e293b !important;
}

/* Calculator normal text */
html.dark-mode .calculator-card p,
html.dark-mode .calculator-card li {
  color: #cbd5e1 !important;
}

html.dark-mode .calculator-card small {
  color: #94a3b8 !important;
}

/* Headings */
html.dark-mode h1,
html.dark-mode h2,
html.dark-mode h3,
html.dark-mode h4,
html.dark-mode h5,
html.dark-mode h6 {
  color: #f8fafc !important;
}

/* Guide/article */
html.dark-mode .article p,
html.dark-mode .article li {
  color: #cbd5e1 !important;
}

html.dark-mode .article h2,
html.dark-mode .article h3,
html.dark-mode .article h4 {
  color: #f8fafc !important;
}

/* Fact tables */
html.dark-mode .fact-table th {
  background: #334155 !important;
  color: #ffffff !important;
}

html.dark-mode .fact-table td {
  background: #1e293b !important;
  color: #e2e8f0 !important;
  border-color: #475569 !important;
}

/* Generic labels */
html.dark-mode label {
  color: #e2e8f0 !important;
}

/* Generic strong text */
html.dark-mode strong,
html.dark-mode b {
  color: #f8fafc !important;
}
/* =========================================================
   FINAL FIX - PLANNER + SCHEME TITLE DARK MODE
   ========================================================= */

/* Monthly Investment Planner */
html.dark-mode .planner-result-main {
  background: #0f3d2e !important;
  border-color: #176b52 !important;
}

html.dark-mode .planner-result-main span {
  color: #d1fae5 !important;
}

html.dark-mode .planner-result-main strong {
  color: #6ee7b7 !important;
}

html.dark-mode .planner-result-main small {
  color: #a7f3d0 !important;
}


/* Planner result cards */
html.dark-mode .planner-result-grid .result-card {
  background: #0f172a !important;
  border-color: #334155 !important;
}

html.dark-mode .planner-result-grid .result-card span {
  color: #94a3b8 !important;
}

html.dark-mode .planner-result-grid .result-card strong {
  color: #f8fafc !important;
}


/* Scheme card title */
html.dark-mode .calculator-card .calc-head h3 {
  color: #f8fafc !important;
}


/* If scheme title is inside a title row */
html.dark-mode .scheme-title-row h3,
html.dark-mode .scheme-title-row .scheme-title {
  color: #f8fafc !important;
}


/* Yearly deposit and other calculator labels */
html.dark-mode .calculator-card .field label {
  color: #f1f5f9 !important;
}
/* =========================================================
   GOVTSAVE - GUIDE CARDS DARK MODE FIX
   ========================================================= */

html.dark-mode .guide-card {
  background: #1e293b !important;
  border-color: #334155 !important;
}

html.dark-mode .guide-title {
  color: #f8fafc !important;
}

html.dark-mode .guide-description {
  color: #cbd5e1 !important;
}

html.dark-mode .guide-tag {
  color: #047857 !important;
  background: #d1fae5 !important;
}

html.dark-mode .guide-link {
  color: #6ee7b7 !important;
}

html.dark-mode .guide-link:hover {
  color: #a7f3d0 !important;
}