*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#0D0D14;--surface:#111118;--surface2:#0F0F1A;--card:#13131C;
  --border:rgba(255,255,255,0.06);--border2:rgba(255,255,255,0.1);
  --text:#F0EDE8;--text2:#A8A8B8;--text3:#666678;
  --gold:#FFB800;--danger:#FF3B1F;--safe:#00D68F;--warn:#FFB800;--info:#4D8FFF;
  --r:16px;--r-sm:10px;--sh:0 4px 24px rgba(0,0,0,0.3);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;-webkit-font-smoothing:antialiased;}

/* NAV */
nav{background:rgba(13,13,20,0.92);backdrop-filter:blur(20px);border-bottom:1px solid var(--border);padding:0 28px;height:62px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:500}
.nav-logo{font-family:'Fraunces',serif;font-size:20px;font-weight:400;color:var(--text);text-decoration:none;letter-spacing:-0.03em;display:flex;align-items:baseline}
.nav-logo-in{font-family:'DM Sans',sans-serif;font-size:11px;color:var(--text3);letter-spacing:0.04em;margin-left:3px}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{color:var(--text3);text-decoration:none;font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;transition:all 0.15s}
.nav-links a:hover,.nav-links a.active{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-dropdown{position:relative}
.nav-drop-btn{background:none;border:none;color:var(--text3);font-size:13px;font-weight:500;padding:6px 12px;border-radius:100px;cursor:pointer;font-family:'DM Sans',sans-serif;transition:all 0.15s}
.nav-drop-btn:hover,.nav-drop-btn.open{color:var(--text);background:rgba(255,255,255,0.06)}
.nav-drop-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;background:var(--card);border:1px solid var(--border2);border-radius:12px;padding:6px;min-width:200px;box-shadow:var(--sh);z-index:100}
.nav-drop-menu.open{display:flex;flex-direction:column}
.nav-drop-menu a{color:var(--text2);text-decoration:none;font-size:13px;padding:8px 12px;border-radius:8px;transition:all 0.12s}
.nav-drop-menu a:hover{background:rgba(255,255,255,0.06);color:var(--text)}
.nav-hamburger{display:none;background:none;border:none;color:var(--text);font-size:20px;cursor:pointer;padding:4px 8px}

/* TICKER */
.ticker{background:var(--surface);border-bottom:1px solid var(--border);padding:8px 28px;font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text3);display:flex;align-items:center;gap:8px}
.ticker-dot{width:6px;height:6px;border-radius:50%;background:var(--safe);flex-shrink:0;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:0.4}}
.ticker a{color:var(--gold);text-decoration:none}

/* HERO */
.hero{padding:48px 28px 24px;max-width:720px;margin:0 auto;text-align:center}
.hero h1{font-family:'Fraunces',serif;font-size:clamp(32px,5vw,48px);font-weight:700;color:var(--text);letter-spacing:-0.03em;line-height:1.1;margin-bottom:12px}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero-sub{font-size:16px;color:var(--text2);line-height:1.6;max-width:500px;margin:0 auto}

/* MAIN */
.main{max-width:720px;margin:0 auto;padding:0 28px 80px}

/* TOOL CARD */
.tool-card{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:28px;margin-bottom:24px;position:relative;overflow:hidden}
.tool-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--safe),var(--info))}

.input-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.input-group{display:flex;flex-direction:column;gap:6px}
.input-group label{font-family:'JetBrains Mono',monospace;font-size:10px;font-weight:600;color:var(--text3);letter-spacing:0.12em;text-transform:uppercase}
.input-group input,.input-group select{background:var(--surface);border:1px solid var(--border2);border-radius:var(--r-sm);padding:12px 14px;color:var(--text);font-size:15px;font-family:'DM Sans',sans-serif;outline:none;transition:all 0.15s;width:100%}
.input-group input:focus,.input-group select:focus{border-color:rgba(0,214,143,0.4);background:var(--surface2)}
.full-width{grid-column:1/-1}

.hint{font-size:12px;color:var(--text3);margin-top:4px;font-family:'JetBrains Mono',monospace;letter-spacing:0.02em}

.calc-btn{width:100%;padding:16px;background:var(--safe);color:#0D0D14;border:none;border-radius:var(--r-sm);font-family:'Fraunces',serif;font-size:18px;font-weight:700;font-style:italic;cursor:pointer;transition:all 0.2s;margin-top:8px}
.calc-btn:hover{filter:brightness(1.08);transform:translateY(-1px)}

/* RESULTS */
.results{display:none;margin-top:24px}
.results.show{display:block}

.result-hero{text-align:center;padding:28px;background:var(--surface);border:1px solid var(--border);border-radius:var(--r);margin-bottom:20px}
.result-label{font-family:'JetBrains Mono',monospace;font-size:10px;color:var(--text3);letter-spacing:0.12em;text-transform:uppercase;margin-bottom:8px}
.result-amount{font-family:'Fraunces',serif;font-size:clamp(36px,6vw,56px);font-weight:900;letter-spacing:-0.03em;margin-bottom:8px}
.result-sub{font-size:13px;color:var(--text3)}

.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px}
.result-box{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-sm);padding:14px;text-align:center}
.result-box-label{font-family:'JetBrains Mono',monospace;font-size:9px;color:var(--text3);letter-spacing:0.1em;text-transform:uppercase;margin-bottom:6px}
.result-box-value{font-family:'Fraunces',serif;font-size:18px;font-weight:700;color:var(--text)}

.verdict-bar{padding:16px 20px;border-radius:var(--r-sm);margin-bottom:20px;font-size:14px;line-height:1.7}
.verdict-bar.good{background:rgba(0,214,143,0.08);border:1px solid rgba(0,214,143,0.2);color:var(--safe)}
.verdict-bar.warn{background:rgba(255,184,0,0.08);border:1px solid rgba(255,184,0,0.2);color:var(--warn)}
.verdict-bar.bad{background:rgba(255,59,31,0.08);border:1px solid rgba(255,59,31,0.2);color:var(--danger)}

.bank-table{width:100%;border-collapse:collapse;margin-bottom:20px;font-size:14px}
.bank-table th{font-family:'JetBrains Mono',monospace;font-size:9px;color:var(--text3);letter-spacing:0.1em;text-transform:uppercase;padding:10px 14px;border-bottom:1px solid var(--border);text-align:left}
.bank-table td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--text2)}
.bank-table tr:last-child td{border-bottom:none}
.bank-table .good{color:var(--safe)}
.bank-table .warn{color:var(--warn)}
.bank-table .bad{color:var(--danger)}

.next-steps{background:var(--surface);border:1px solid var(--border);border-radius:var(--r);padding:20px;margin-bottom:24px}
.next-steps h4{font-family:'JetBrains Mono',monospace;font-size:10px;font-weight:600;color:var(--text3);letter-spacing:0.12em;text-transform:uppercase;margin-bottom:14px}
.next-steps-links{display:flex;flex-direction:column;gap:8px}
.next-steps-links a{font-size:14px;color:var(--text2);text-decoration:none;padding:10px 14px;background:var(--card);border:1px solid var(--border);border-radius:9px;display:flex;justify-content:space-between;align-items:center;transition:all 0.15s}
.next-steps-links a:hover{border-color:var(--border2)}

.reset-btn{width:100%;padding:12px;background:transparent;border:1px solid var(--border2);color:var(--text2);border-radius:var(--r-sm);font-size:14px;cursor:pointer;font-family:'DM Sans',sans-serif;transition:all 0.15s}
.reset-btn:hover{border-color:var(--text3);color:var(--text)}

/* INFO */
.info-section{margin-top:40px;padding-top:32px;border-top:1px solid var(--border)}
.info-section h2{font-family:'Fraunces',serif;font-size:24px;font-weight:700;color:var(--text);letter-spacing:-0.02em;margin-bottom:14px}
.info-section p{font-size:15px;color:var(--text2);line-height:1.8;margin-bottom:16px}
.info-table{width:100%;border-collapse:collapse;margin:16px 0;font-size:14px}
.info-table th{font-family:'JetBrains Mono',monospace;font-size:9px;color:var(--text3);letter-spacing:0.1em;text-transform:uppercase;padding:10px 14px;border-bottom:1px solid var(--border);text-align:left}
.info-table td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--text2)}
.info-table tr:last-child td{border-bottom:none}
.good-t{color:var(--safe)}
.warn-t{color:var(--warn)}
.bad-t{color:var(--danger)}

/* FOOTER */
footer{background:var(--surface);border-top:1px solid var(--border);padding:40px 28px;margin-top:60px}
.footer-logo{font-family:'Fraunces',serif;font-size:18px;color:var(--text);margin-bottom:8px;display:flex;align-items:baseline}
.footer-logo-in{font-family:'DM Sans',sans-serif;font-size:11px;color:var(--text3);margin-left:3px}
.footer-tagline{font-size:13px;color:var(--text3);margin-bottom:20px}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 20px;margin-bottom:20px}
.footer-links a{color:var(--text3);text-decoration:none;font-size:12px}
.footer-links a:hover{color:var(--gold)}
.footer-divider{height:1px;background:var(--border);margin-bottom:16px}
.footer-legal{font-size:11px;color:var(--text3);line-height:1.8;font-family:'JetBrains Mono',monospace;letter-spacing:0.02em}

@media(max-width:600px){
  .input-row{grid-template-columns:1fr}
  .result-grid{grid-template-columns:1fr 1fr}
  nav{padding:0 16px}
  .hero,.main{padding-left:16px;padding-right:16px}
  .nav-links{display:none}
  .nav-links.open{display:flex;flex-direction:column;position:fixed;top:62px;left:0;right:0;background:var(--card);border-bottom:1px solid var(--border);padding:12px;z-index:400}
  .nav-hamburger{display:block}
}

/* TOOLTIPS */
.tt-wrap{position:relative;display:inline-flex;align-items:center;gap:4px;overflow:visible}
.tt-icon{width:13px;height:13px;border-radius:50%;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);display:inline-flex;align-items:center;justify-content:center;font-size:9px;color:var(--text3);cursor:pointer;flex-shrink:0}
.tt-icon:hover{background:rgba(255,184,0,0.15);border-color:rgba(255,184,0,0.4);color:var(--gold)}
.tt-box{display:none;position:fixed;background:#1A1A26;border:1px solid rgba(255,255,255,0.15);border-radius:10px;padding:12px 16px;width:230px;font-size:12px;color:#F0EDE8;line-height:1.65;z-index:9999;box-shadow:0 8px 32px rgba(0,0,0,0.7);pointer-events:none}
.tt-wrap:hover .tt-box{display:block}