/* ===== RESET & BASE ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Source Sans 3', -apple-system, BlinkMacSystemFont, sans-serif;
  color: #1e293b; background: #FAFBFD; line-height: 1.6;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

/* ===== COLORS — Navy + gold + white ===== */
:root {
  --navy: #1E3A5F;
  --navy-dark: #152D4A;
  --navy-light: #EBF0F7;
  --gold: #D4A843;
  --gold-light: #FFF8E7;
  --gold-dark: #B8922E;
  --dark: #1e293b;
  --gray: #64748b;
  --light: #FAFBFD;
  --border: #E2E8F0;
  --success: #22c55e;
  --white: #ffffff;
}

/* ===== NAV ===== */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.97); backdrop-filter: blur(12px);
  border-bottom: 2px solid var(--navy); padding: 14px 0;
}
nav .container { display: flex; justify-content: space-between; align-items: center; }
.nav-logo {
  font-size: 1.3rem; font-weight: 800; color: var(--navy);
  display: flex; align-items: center; gap: 6px;
}
.logo-shield { font-size: 1.2rem; }
.nav-links { display: flex; gap: 26px; align-items: center; }
.nav-links a { font-size: 0.92rem; font-weight: 500; color: var(--dark); transition: color 0.2s; }
.nav-links a:hover { color: var(--navy); }
.nav-cta {
  background: var(--navy); color: #fff !important; padding: 10px 22px;
  border-radius: 8px; font-weight: 700; font-size: 0.9rem; transition: all 0.2s;
}
.nav-cta:hover { background: var(--navy-dark); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { width: 24px; height: 2px; background: var(--dark); }

/* ===== HERO ===== */
.hero {
  padding: 140px 0 80px; background: var(--white); position: relative;
  border-bottom: 1px solid var(--border);
}
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-content { max-width: 540px; }
.hero-badge {
  display: inline-block; background: var(--gold-light); color: var(--gold-dark);
  padding: 6px 16px; border-radius: 50px; font-size: 0.82rem; font-weight: 600;
  margin-bottom: 20px; border: 1px solid rgba(212,168,67,0.3);
}
.hero h1 {
  font-family: 'Source Serif 4', serif;
  font-size: 2.8rem; color: var(--navy); line-height: 1.15; margin-bottom: 18px; font-weight: 700;
}
.hero h1 span { color: var(--gold); }
.hero p { font-size: 1.08rem; color: var(--gray); margin-bottom: 28px; max-width: 480px; }
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 24px; }
.btn-primary {
  background: var(--navy); color: #fff; padding: 14px 30px; border-radius: 8px;
  font-size: 1rem; font-weight: 700; border: none; cursor: pointer;
  transition: all 0.25s; display: inline-flex; align-items: center; gap: 8px;
  box-shadow: 0 4px 16px rgba(30,58,95,0.2);
}
.btn-primary:hover { background: var(--navy-dark); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(30,58,95,0.3); }
.btn-secondary {
  background: var(--white); color: var(--dark); padding: 14px 30px; border-radius: 8px;
  font-size: 1rem; font-weight: 600; border: 2px solid var(--border);
  cursor: pointer; transition: all 0.2s;
}
.btn-secondary:hover { border-color: var(--gold); background: var(--gold-light); }
.hero-trust-badges { display: flex; gap: 12px; flex-wrap: wrap; }
.trust-badge {
  display: flex; align-items: center; gap: 6px; font-size: 0.8rem; font-weight: 600;
  color: var(--navy); background: var(--navy-light); padding: 6px 14px; border-radius: 6px;
}
.trust-badge span { color: var(--success); font-weight: 700; }

/* Dashboard preview */
.hero-dashboard { position: relative; }
.dash-card {
  background: var(--white); border-radius: 16px; border: 1px solid var(--border);
  box-shadow: 0 20px 60px rgba(0,0,0,0.06); overflow: hidden;
}
.dash-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 20px; background: var(--navy); color: #fff;
}
.dash-header h4 { font-size: 0.9rem; font-weight: 600; }
.dash-year { font-size: 0.75rem; background: rgba(255,255,255,0.2); padding: 3px 10px; border-radius: 4px; }
.dash-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); }
.dash-stat { background: var(--white); padding: 16px; text-align: center; }
.dash-label { display: block; font-size: 0.72rem; color: var(--gray); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }
.dash-value { display: block; font-size: 1.3rem; font-weight: 800; color: var(--navy); }
.dash-change { display: block; font-size: 0.72rem; color: var(--gray); margin-top: 2px; }
.dash-change.positive { color: var(--success); }
.dash-chart { display: flex; align-items: flex-end; gap: 8px; padding: 20px; height: 140px; background: var(--light); }
.chart-bar {
  flex: 1; background: var(--navy-light); border-radius: 4px 4px 0 0;
  display: flex; align-items: flex-end; justify-content: center; padding-bottom: 6px;
  transition: all 0.3s;
}
.chart-bar span { font-size: 0.65rem; color: var(--gray); font-weight: 600; }
.chart-bar.active { background: var(--gold); }
.chart-bar.active span { color: var(--white); }

/* ===== STATS BAR ===== */
.stats-bar { background: var(--navy); padding: 28px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item h3 { font-size: 1.6rem; font-weight: 800; color: var(--gold); }
.stat-item p { font-size: 0.82rem; color: rgba(255,255,255,0.7); margin-top: 4px; }

/* ===== SECTION BASE ===== */
section { padding: 80px 0; }
.section-label {
  text-transform: uppercase; font-size: 0.78rem; font-weight: 700; letter-spacing: 2px;
  color: var(--gold); margin-bottom: 10px;
}
.section-title {
  font-family: 'Source Serif 4', serif;
  font-size: 2.2rem; font-weight: 700; margin-bottom: 14px; color: var(--navy);
}
.section-subtitle { font-size: 1.02rem; color: var(--gray); max-width: 560px; }
.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ===== FEATURES ===== */
.features { background: var(--light); }
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin-top: 48px; }
.feature-card {
  background: var(--white); border-radius: 16px; overflow: hidden;
  border: 1px solid var(--border); transition: all 0.3s;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.06); }
.feature-img { width: 100%; height: 140px; object-fit: cover; }
.feature-body { padding: 20px; }
.feature-icon-wrap {
  width: 40px; height: 40px; border-radius: 8px; display: inline-flex; align-items: center;
  justify-content: center; font-size: 1.2rem; margin-bottom: 10px;
  background: var(--navy-light); color: var(--navy);
}
.feature-body h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 6px; }
.feature-body p { font-size: 0.86rem; color: var(--gray); line-height: 1.6; margin-bottom: 10px; }
.feature-savings {
  display: inline-block; padding: 4px 10px; border-radius: 6px; font-size: 0.72rem;
  font-weight: 700; background: var(--gold-light); color: var(--gold-dark);
}

/* ===== CALCULATOR SECTION ===== */
.calculator-section { background: var(--white); }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.calc-content p:not(.section-label) { font-size: 1rem; color: var(--gray); margin-bottom: 24px; line-height: 1.7; }
.calc-examples { display: flex; flex-direction: column; gap: 0; border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.calc-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 20px; border-bottom: 1px solid var(--border); font-size: 0.92rem;
  background: var(--white);
}
.calc-row:last-child { border-bottom: none; }
.calc-row.total { background: var(--navy); color: #fff; font-weight: 700; }
.calc-row.total .calc-amount { color: var(--gold); }
.calc-amount { font-weight: 700; color: var(--navy); }
.calc-visual img { width: 100%; border-radius: 16px; box-shadow: 0 20px 50px rgba(0,0,0,0.06); }

/* ===== PRICING ===== */
.pricing { background: var(--light); }
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.pricing-card {
  background: var(--white); border-radius: 16px; padding: 36px 28px; border: 2px solid var(--border);
  position: relative; transition: all 0.3s;
}
.pricing-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.06); }
.pricing-card.popular { border-color: var(--gold); }
.pricing-card.popular .popular-badge {
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: var(--gold); color: var(--white); padding: 6px 20px; border-radius: 50px;
  font-size: 0.78rem; font-weight: 700; white-space: nowrap;
}
.pricing-card h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 6px; color: var(--navy); }
.pricing-card .price { font-size: 2.8rem; font-weight: 900; color: var(--dark); margin: 12px 0; }
.pricing-card .price span { font-size: 0.9rem; font-weight: 400; color: var(--gray); }
.pricing-card .price-desc { font-size: 0.85rem; color: var(--gray); margin-bottom: 20px; }
.pricing-features { margin-bottom: 24px; }
.pricing-features li { padding: 7px 0; font-size: 0.9rem; display: flex; align-items: center; gap: 10px; }
.pricing-features li::before { content: '\2713'; color: var(--success); font-weight: 700; }
.pricing-features li.disabled { color: var(--gray); opacity: 0.45; }
.pricing-features li.disabled::before { content: '\2717'; color: #ccc; }
.pricing-btn {
  display: block; width: 100%; padding: 13px; border-radius: 8px; text-align: center;
  font-size: 0.95rem; font-weight: 700; border: 2px solid var(--navy); color: var(--navy);
  background: var(--white); cursor: pointer; transition: all 0.2s; margin-bottom: 12px;
}
.pricing-btn:hover, .pricing-card.popular .pricing-btn {
  background: var(--navy); color: #fff;
}
.pricing-card.popular .pricing-btn:hover { background: var(--navy-dark); }
.pricing-note { font-size: 0.72rem; color: var(--gray); text-align: center; font-style: italic; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.testimonial-card {
  background: var(--white); padding: 28px; border-radius: 16px; border: 1px solid var(--border);
  transition: all 0.3s;
}
.testimonial-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.05); }
.testimonial-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.testimonial-savings {
  background: var(--gold-light); color: var(--gold-dark); padding: 4px 12px;
  border-radius: 6px; font-size: 0.78rem; font-weight: 700;
}
.testimonial-stars { color: #f59e0b; font-size: 0.9rem; }
.testimonial-card > p { font-size: 0.93rem; color: var(--dark); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid var(--navy-light); }
.testimonial-name { font-weight: 700; font-size: 0.9rem; }
.testimonial-role { font-size: 0.78rem; color: var(--gray); }

/* ===== FAQ ===== */
.faq { background: var(--white); }
.faq-list { max-width: 720px; margin: 48px auto 0; }
.faq-item { background: var(--light); border-radius: 10px; border: 1px solid var(--border); margin-bottom: 10px; overflow: hidden; }
.faq-question {
  padding: 18px 22px; font-size: 1rem; font-weight: 600; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  transition: background 0.2s;
}
.faq-question:hover { background: var(--navy-light); }
.faq-question::after { content: '+'; font-size: 1.3rem; color: var(--gold); font-weight: 700; transition: transform 0.3s; }
.faq-item.active .faq-question::after { transform: rotate(45deg); }
.faq-answer { padding: 0 22px; max-height: 0; overflow: hidden; transition: all 0.3s ease; }
.faq-item.active .faq-answer { padding: 0 22px 18px; max-height: 300px; }
.faq-answer p { font-size: 0.92rem; color: var(--gray); line-height: 1.7; }

/* ===== CTA ===== */
.cta-section { background: var(--light); padding: 80px 0; }
.cta-card {
  background: var(--white); border-radius: 20px; overflow: hidden;
  display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--border);
  box-shadow: 0 20px 60px rgba(0,0,0,0.04);
}
.cta-left { padding: 60px 48px; display: flex; flex-direction: column; justify-content: center; }
.cta-left h2 { font-family: 'Source Serif 4', serif; font-size: 2rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.cta-left p { font-size: 1.02rem; color: var(--gray); margin-bottom: 28px; }
.cta-note { font-size: 0.78rem; color: var(--gray); margin-top: 12px; font-style: italic; }
.cta-right img { width: 100%; height: 100%; object-fit: cover; }

/* ===== FOOTER ===== */
footer { background: var(--navy); color: rgba(255,255,255,0.6); padding: 48px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 36px; }
.footer-brand h3 { color: #fff; font-size: 1.2rem; margin-bottom: 10px; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; }
.footer-col h4 { color: var(--gold); font-size: 0.9rem; margin-bottom: 14px; }
.footer-col a { display: block; font-size: 0.85rem; padding: 4px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 20px; text-align: center; font-size: 0.8rem; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-dashboard { display: none; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-visual { display: none; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .hero h1 { font-size: 2.2rem; }
  .hero { padding-top: 120px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .section-title { font-size: 1.8rem; }
  .features-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; max-width: 400px; margin-left: auto; margin-right: auto; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-card { grid-template-columns: 1fr; }
  .cta-right { display: none; }
  .cta-left { padding: 40px 24px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.8rem; }
  .hero-buttons { flex-direction: column; }
  .hero-trust-badges { flex-direction: column; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .stat-item h3 { font-size: 1.3rem; }
  .footer-grid { grid-template-columns: 1fr; }
}