/* ============================================
   CROSSROCK CAPITAL - BLACK, WHITE & GOLD DESIGN
   ============================================ */

:root {
    /* Colors - Black, White, Gold */
    --primary: #000000;
    --secondary: #FFFFFF;
    --accent: #D4AF37; /* Gold */
    --accent-light: #F4E4BC;
    
    --text-primary: #000000;
    --text-secondary: #4A4A4A;
    --text-light: #8A8A8A;
    
    --bg-primary: #FFFFFF;
    --bg-secondary: #F8F8F8;
    --bg-dark: #000000;
    
    --border: #E5E5E5;
    --border-dark: #2A2A2A;
    
    /* Typography */
    --font-display: 'DM Sans', sans-serif;
    --font-body: 'Inter', sans-serif;
    
    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 2rem;
    --spacing-lg: 4rem;
    --spacing-xl: 6rem;
    
    /* Other */
    --radius: 0; /* Sharp edges for elegant look */
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ============================================
   RESET & BASE
   ============================================ */

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--text-primary);
    background: var(--bg-primary);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

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

/* ============================================
   CONTAINER
   ============================================ */

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

@media (max-width: 768px) {
    .container {
        padding: 0 1rem;
    }
}

/* ============================================
   NAVIGATION
   ============================================ */

.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border);
    transition: var(--transition);
}

.navbar.scrolled {
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.05);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.logo-img {
    height: 44px;
    width: auto;
}

.nav-menu {
    display: flex;
    gap: 3rem;
    align-items: center;
}

.nav-menu a {
    font-weight: 500;
    font-size: 0.9375rem;
    letter-spacing: 0.3px;
    color: var(--text-secondary);
    transition: var(--transition);
    position: relative;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--text-primary);
}

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--accent);
    transition: var(--transition);
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
    width: 100%;
}

.btn-primary-nav {
    background: var(--primary);
    color: white !important;
    padding: 0.625rem 1.5rem;
    font-weight: 600;
}

.btn-primary-nav::after {
    display: none;
}

.btn-primary-nav:hover {
    background: var(--accent);
}

/* Mobile Menu */
.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 0.5rem;
    z-index: 1001;
}

.mobile-menu-btn span {
    width: 25px;
    height: 2px;
    background: var(--text-primary);
    transition: var(--transition);
}

@media (max-width: 768px) {
    .mobile-menu-btn {
        display: flex;
    }
    
    .nav-menu {
        position: fixed;
        top: 80px;
        left: 0;
        right: 0;
        background: white;
        flex-direction: column;
        gap: 0;
        padding: 2rem 1.5rem;
        transform: translateX(100%);
        transition: var(--transition);
        box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
        max-height: calc(100vh - 80px);
        overflow-y: auto;
    }
    
    .nav-menu.active {
        transform: translateX(0);
    }
    
    .nav-menu li {
        width: 100%;
        padding: 1rem 0;
        border-bottom: 1px solid var(--border);
    }
    
    .nav-menu a {
        display: block;
        width: 100%;
        font-size: 1.125rem;
    }
    
    .mobile-menu-btn.active span:nth-child(1) {
        transform: rotate(45deg) translate(7px, 7px);
    }
    
    .mobile-menu-btn.active span:nth-child(2) {
        opacity: 0;
    }
    
    .mobile-menu-btn.active span:nth-child(3) {
        transform: rotate(-45deg) translate(6px, -6px);
    }
}

/* ============================================
   BUTTONS
   ============================================ */

.btn-primary,
.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 1rem 2.5rem;
    font-weight: 600;
    font-size: 0.9375rem;
    letter-spacing: 0.5px;
    transition: var(--transition);
    cursor: pointer;
    text-transform: uppercase;
}

.btn-primary {
    background: var(--primary);
    color: white;
    border: 2px solid var(--primary);
}

.btn-primary:hover {
    background: var(--accent);
    border-color: var(--accent);
}

.btn-secondary {
    background: transparent;
    color: var(--text-primary);
    border: 2px solid var(--primary);
}

.btn-secondary:hover {
    background: var(--primary);
    color: white;
}

.btn-large {
    padding: 1.25rem 3rem;
    font-size: 1rem;
}

/* ============================================
   HERO SECTION
   ============================================ */

.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 8rem 0 4rem;
    position: relative;
    overflow: hidden;
    background: linear-gradient(rgba(0, 0, 0, 0.55), rgba(0, 0, 0, 0.55)),
                url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1920&q=80') center/cover no-repeat;
    color: white;
}

.hero-content {
    max-width: 800px;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1.25rem;
    background: rgba(212, 175, 55, 0.2);
    color: #D4AF37;
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 2rem;
    letter-spacing: 0.5px;
}

.hero-badge svg {
    color: var(--accent);
}

.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 6vw, 5rem);
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 1.5rem;
    letter-spacing: -1px;
}

.highlight {
    color: var(--accent);
    position: relative;
}

.hero-subtitle {
    font-size: clamp(1.125rem, 2vw, 1.25rem);
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 2.5rem;
    max-width: 600px;
    line-height: 1.7;
}

.hero-cta {
    display: flex;
    gap: 1rem;
    margin-bottom: 4rem;
    flex-wrap: wrap;
}

.hero-cta .btn-primary {
    background: white;
    color: var(--primary);
    border-color: white;
}

.hero-cta .btn-primary:hover {
    background: var(--accent);
    color: white;
    border-color: var(--accent);
}

.hero-cta .btn-secondary {
    background: transparent;
    color: white;
    border-color: white;
}

.hero-cta .btn-secondary:hover {
    background: white;
    color: var(--primary);
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
    gap: 3rem;
    padding-top: 3rem;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.stat-item {
    text-align: left;
}

.stat-number {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    color: var(--accent);
    margin-bottom: 0.25rem;
}

.stat-label {
    font-size: 0.9375rem;
    color: rgba(255, 255, 255, 0.8);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

@media (max-width: 768px) {
    .hero {
        min-height: auto;
        padding: 6rem 0 3rem;
    }

    .hero-cta {
        flex-direction: column;
    }

    .hero-cta .btn-primary,
    .hero-cta .btn-secondary {
        width: 100%;
    }

    .hero-stats {
        grid-template-columns: repeat(3, 1fr);
        gap: 1rem;
    }

    .stat-item {
        text-align: center;
    }

    .stat-number {
        font-size: 1.75rem;
    }

    .stat-label {
        font-size: 0.6875rem;
    }
}

/* ============================================
   SECTIONS
   ============================================ */

.services-overview,
.calculator-teaser,
.featured-stories,
.trust-section,
.cta-section {
    padding: var(--spacing-xl) 0;
}

.section-header {
    text-align: center;
    margin-bottom: var(--spacing-lg);
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3.5rem);
    font-weight: 700;
    margin-bottom: 1rem;
    letter-spacing: -0.5px;
}

.section-subtitle {
    font-size: 1.25rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

.section-cta {
    text-align: center;
    margin-top: 3rem;
}

/* ============================================
   SERVICES
   ============================================ */

.services-overview {
    background: var(--bg-secondary);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 3rem;
}

.service-card {
    background: white;
    padding: 3rem;
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    display: block;
}

.service-card:hover {
    transform: translateY(-10px);
    border-color: var(--accent);
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.08);
}

.story-number {
    position: absolute;
    top: 1rem;
    right: 1rem;
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    color: var(--accent-light);
    line-height: 1;
    z-index: 1;
    pointer-events: none;
}

.service-icon {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--primary);
    color: var(--primary);
    margin-bottom: 2rem;
    transition: var(--transition);
}

.service-card:hover .service-icon {
    border-color: var(--accent);
    color: var(--accent);
}

.service-title {
    font-family: var(--font-display);
    font-size: 1.75rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.service-description {
    color: var(--text-secondary);
    margin-bottom: 2rem;
    line-height: 1.7;
}

.service-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-size: 0.875rem;
    transition: var(--transition);
}

.service-card:hover .service-link {
    gap: 0.75rem;
    color: var(--accent);
}

/* ============================================
   CALCULATOR TEASER
   ============================================ */

.calculator-teaser {
    background: var(--bg-dark);
    color: white;
}

.calculator-teaser-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 3rem;
    max-width: 900px;
    margin: 0 auto;
    flex-wrap: wrap;
}

.teaser-icon {
    flex-shrink: 0;
    color: var(--accent);
}

.teaser-text {
    flex: 1;
}

.teaser-text h2 {
    font-family: var(--font-display);
    font-size: 2rem;
    margin-bottom: 0.5rem;
}

.teaser-text p {
    color: rgba(255, 255, 255, 0.7);
}

@media (max-width: 768px) {
    .services-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .service-card {
        padding: 1.5rem;
    }

    .service-icon {
        width: 48px;
        height: 48px;
        margin-bottom: 1rem;
    }

    .service-title {
        font-size: 1.25rem;
        margin-bottom: 0.75rem;
    }

    .service-description {
        font-size: 0.875rem;
        margin-bottom: 1rem;
    }

    .calculator-teaser-content {
        flex-direction: column;
        text-align: center;
    }

    .btn-large {
        width: 100%;
    }
}

/* ============================================
   STORIES SLIDER
   ============================================ */

.stories-mobile-marquee {
    display: none;
}

.mobile-dots {
    display: none;
}

.stories-slider-wrapper {
    overflow: hidden;
    position: relative;
}

.stories-slider {
    display: flex;
    transition: transform 0.6s ease;
}

.stories-slide {
    min-width: 100%;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    padding: 0 0.5rem;
}

.story-card {
    background: white;
    border: 1px solid var(--border);
    padding: 2.5rem 2rem;
    transition: var(--transition);
    text-align: center;
}

.story-card:hover {
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.06);
}

.story-card .card-avatar {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    object-fit: cover;
    margin: 0 auto 1.25rem;
    border: 2px solid #E5E5E5;
    display: block;
}

.story-card .card-name {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.125rem;
    margin-bottom: 0.25rem;
}

.story-card .card-type {
    font-size: 0.8125rem;
    color: #D4AF37;
    font-weight: 600;
    margin-bottom: 1.25rem;
}

.story-card .card-quote {
    font-style: italic;
    font-size: 1rem;
    line-height: 1.7;
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
    overflow-wrap: break-word;
}

.story-card .card-title {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.125rem;
    line-height: 1.3;
    margin-bottom: 0.75rem;
}

.story-card .card-desc {
    font-size: 0.9375rem;
    color: var(--text-secondary);
    line-height: 1.7;
}

.slider-dots {
    display: flex;
    justify-content: center;
    gap: 0.75rem;
    margin-top: 2.5rem;
}

.slider-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: #E5E5E5;
    border: none;
    cursor: pointer;
    transition: all 0.3s;
    padding: 0;
}

.slider-dot.active {
    background: #D4AF37;
    transform: scale(1.2);
}

@media (max-width: 768px) {
    .stories-slider-wrapper {
        overflow: hidden;
    }

    .stories-slider {
        display: block;
        transform: none !important;
    }

    .stories-slide {
        display: none;
    }

    .stories-mobile-marquee {
        display: flex;
        gap: 1.5rem;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        padding-bottom: 0.5rem;
    }

    .stories-mobile-marquee::-webkit-scrollbar {
        display: none;
    }

    .stories-mobile-marquee .story-card {
        width: calc(100vw - 2rem);
        min-width: calc(100vw - 2rem);
        max-width: calc(100vw - 2rem);
        flex-shrink: 0;
        scroll-snap-align: start;
        overflow: hidden;
        word-wrap: break-word;
    }

    .slider-dots {
        display: none;
    }

    .mobile-dots {
        display: flex;
        justify-content: center;
        gap: 0.5rem;
        margin-top: 1rem;
    }

    .mobile-dot {
        width: 8px;
        height: 8px;
        border-radius: 50%;
        background: #E5E5E5;
        border: none;
        padding: 0;
        transition: all 0.3s;
    }

    .mobile-dot.active {
        background: #D4AF37;
        transform: scale(1.3);
    }
}

/* ============================================
   TRUST SECTION
   ============================================ */

.trust-section {
    background: var(--bg-secondary);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 3rem;
}

.trust-item {
    text-align: center;
}

.trust-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 1.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--primary);
    color: var(--primary);
}

.trust-item h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    margin-bottom: 0.75rem;
}

.trust-item p {
    color: var(--text-secondary);
    line-height: 1.7;
}

/* ============================================
   CTA SECTION
   ============================================ */

.cta-section {
    background: linear-gradient(135deg, #000000 0%, #1A1A1A 100%);
    color: white;
    text-align: center;
}

.cta-content h2 {
    font-family: var(--font-display);
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.cta-content p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 1.25rem;
    margin-bottom: 2rem;
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.cta-section .btn-primary {
    background: var(--accent);
    border-color: var(--accent);
}

.cta-section .btn-primary:hover {
    background: white;
    color: var(--primary);
}

.cta-section .btn-secondary {
    border-color: white;
    color: white;
}

.cta-section .btn-secondary:hover {
    background: white;
    color: var(--primary);
}

/* ============================================
   FOOTER
   ============================================ */

.footer {
    background: var(--bg-dark);
    color: white;
    padding: 4rem 0 2rem;
}

.footer-content {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 4rem;
    margin-bottom: 3rem;
}

.footer-logo {
    height: 50px;
    width: auto;
    margin-bottom: 1rem;
    filter: brightness(0) invert(1);
}

.footer-tagline {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    max-width: 400px;
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.footer-column h4 {
    font-weight: 600;
    margin-bottom: 1rem;
    font-size: 0.9375rem;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.footer-column ul {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-column a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
    font-size: 0.9375rem;
}

.footer-column a:hover {
    color: var(--accent);
}

.footer-column li:not(:has(a)) {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9375rem;
}

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid var(--border-dark);
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.875rem;
}

@media (max-width: 768px) {
    .footer-content {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-links {
        grid-template-columns: 1fr 1fr;
        gap: 1.5rem;
    }

    .footer-column:last-child {
        grid-column: 1 / -1;
    }
}

/* ============================================
   PAGE HEADER (for subpages)
   ============================================ */

.page-header {
    padding: 10rem 0 4rem;
    background: linear-gradient(135deg, #FFFFFF 0%, #F8F8F8 100%);
    text-align: center;
}

.page-title {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 700;
    margin-bottom: 1rem;
    letter-spacing: -0.5px;
}

.page-subtitle {
    font-size: 1.25rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

.page-header-hero {
    background: linear-gradient(rgba(0, 0, 0, 0.55), rgba(0, 0, 0, 0.55)),
                url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1920&q=80') center/cover no-repeat;
    color: white;
}

.page-header-hero .page-subtitle {
    color: rgba(255, 255, 255, 0.85);
}

/* ============================================
   CALCULATOR PAGE
   ============================================ */

.calculator-page {
    padding: var(--spacing-xl) 0;
    background: var(--bg-secondary);
}

.calculator-wrapper {
    max-width: 1100px;
    margin: 0 auto;
}

.calculator-main {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    background: white;
    padding: 3rem;
    border: 1px solid var(--border);
    margin-bottom: 3rem;
}

.calculator-inputs h2,
.calculator-results h3 {
    font-family: var(--font-display);
    font-size: 1.75rem;
    margin-bottom: 2rem;
}

.input-group {
    margin-bottom: 2.5rem;
}

.input-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 1rem;
    font-size: 0.9375rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.period-options {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

.period-btn {
    padding: 1.5rem 1rem;
    border: 2px solid var(--border);
    background: white;
    text-align: left;
    transition: var(--transition);
    cursor: pointer;
}

.period-btn:hover {
    border-color: var(--accent);
}

.period-btn.active {
    background: var(--primary);
    border-color: var(--primary);
}

.period-years {
    display: block;
    font-weight: 700;
    font-size: 1.125rem;
    margin-bottom: 0.25rem;
}

.period-btn.active .period-years {
    color: white;
}

.period-rate {
    display: block;
    font-size: 0.875rem;
    color: var(--text-light);
}

.period-btn.active .period-rate {
    color: var(--accent);
}

.input-wrapper {
    position: relative;
    margin-bottom: 1rem;
}

.input-wrapper input {
    width: 100%;
    padding: 1rem 3rem 1rem 1rem;
    border: 2px solid var(--border);
    font-size: 1.125rem;
    font-weight: 600;
    transition: var(--transition);
}

.input-wrapper input:focus {
    outline: none;
    border-color: var(--accent);
}

.currency {
    position: absolute;
    right: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-light);
    font-weight: 600;
}

.slider {
    width: 100%;
    height: 4px;
    background: var(--border);
    outline: none;
    -webkit-appearance: none;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    background: var(--primary);
    cursor: pointer;
    transition: var(--transition);
}

.slider::-webkit-slider-thumb:hover {
    background: var(--accent);
}

.slider::-moz-range-thumb {
    width: 20px;
    height: 20px;
    background: var(--primary);
    cursor: pointer;
    border: none;
}

.slider-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-size: 0.75rem;
    color: var(--text-light);
}

.input-note {
    margin-top: 0.5rem;
    font-size: 0.875rem;
    color: var(--text-light);
    font-style: italic;
}

.calculator-results {
    background: var(--bg-secondary);
    padding: 2rem;
}

.result-card {
    background: white;
    padding: 2rem;
    border: 1px solid var(--border);
    margin-bottom: 2rem;
}

.highlight-card {
    background: var(--primary);
    color: white;
    border: none;
}

.result-label {
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.highlight-card .result-label {
    color: var(--accent);
}

.result-value {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
}

.result-breakdown {
    background: white;
    padding: 1.5rem;
    border: 1px solid var(--border);
}

.breakdown-title {
    font-weight: 600;
    margin-bottom: 1rem;
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.breakdown-item {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 1rem 0;
}

.breakdown-item + .breakdown-item {
    border-top: 1px solid var(--border);
}

.breakdown-label {
    flex: 1;
}

.breakdown-note {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
    margin-top: 0.25rem;
}

.breakdown-value {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--accent);
}

.breakdown-divider {
    height: 1px;
    background: var(--border);
    margin: 0.5rem 0;
}

.breakdown-item.total {
    background: var(--bg-secondary);
    padding: 1rem;
    margin: 1rem -1.5rem -1.5rem;
}

.result-summary {
    background: var(--accent-light);
    padding: 1.5rem;
    margin-top: 2rem;
}

.summary-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.5rem;
}

.summary-label {
    font-weight: 600;
}

.summary-value {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
}

.summary-note {
    font-size: 0.875rem;
    color: var(--text-secondary);
    margin: 0;
}

.calculator-info {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.info-card {
    background: white;
    padding: 2rem;
    border: 1px solid var(--border);
}

.dark-card {
    background: var(--bg-dark);
    color: white;
}

.info-card h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
}

.info-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.info-list li {
    padding-left: 1.5rem;
    position: relative;
    line-height: 1.7;
    color: var(--text-secondary);
}

.dark-card .info-list li {
    color: rgba(255, 255, 255, 0.8);
}

.info-list li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--accent);
}

.example-breakdown {
    margin-top: 1rem;
}

.example-breakdown > div {
    padding: 0.5rem 0;
    color: rgba(255, 255, 255, 0.8);
}

.example-divider {
    height: 1px;
    background: rgba(255, 255, 255, 0.2);
    margin: 0.5rem 0;
}

.example-total {
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    font-size: 1.125rem;
}

.calculator-cta {
    background: var(--accent-light);
    padding: 3rem;
    text-align: center;
}

.calculator-cta h3 {
    font-family: var(--font-display);
    font-size: 2rem;
    margin-bottom: 0.5rem;
}

.calculator-cta p {
    color: var(--text-secondary);
    margin-bottom: 2rem;
}

.calculator-faq {
    padding: var(--spacing-lg) 0;
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.faq-item {
    background: white;
    padding: 2rem;
    border: 1px solid var(--border);
}

.faq-item h3 {
    font-family: var(--font-display);
    font-size: 1.25rem;
    margin-bottom: 1rem;
}

.faq-item p {
    color: var(--text-secondary);
    line-height: 1.7;
}

/* ============================================
   RESPONSIVE
   ============================================ */

@media (max-width: 768px) {
    .calculator-page {
        padding: 2rem 0;
    }

    .calculator-main {
        grid-template-columns: 1fr;
        padding: 1.25rem;
        gap: 1.5rem;
        margin-bottom: 1.5rem;
    }

    .calculator-results {
        padding: 1rem;
    }

    .result-card {
        padding: 1.25rem;
        margin-bottom: 1rem;
    }

    .result-breakdown {
        padding: 1rem;
    }

    .result-summary {
        padding: 1rem;
    }

    .breakdown-item.total {
        margin: 1rem -1rem -1rem;
        padding: 1rem;
    }

    .period-options {
        grid-template-columns: 1fr 1fr;
    }

    .calculator-info {
        grid-template-columns: 1fr;
    }

    .result-value {
        font-size: 2.25rem;
    }

    .breakdown-value {
        font-size: 1.125rem;
    }

    .summary-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.25rem;
    }

    .summary-value {
        font-size: 2rem;
        white-space: nowrap;
    }

    .calculator-inputs h2,
    .calculator-results h3 {
        font-size: 1.375rem;
        margin-bottom: 1.25rem;
    }

    .input-group {
        margin-bottom: 1.5rem;
    }

    .info-card {
        padding: 1.25rem;
    }
}

/* ========================================
   COOKIE BANNER STYLES
   ======================================== */

.cookie-banner {
    position: fixed;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    background: rgba(0, 0, 0, 0.95);
    backdrop-filter: blur(10px);
    color: white;
    padding: 16px 24px;
    border-radius: 12px;
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.3), 0 0 0 1px rgba(255, 255, 255, 0.1);
    z-index: 10000;
    max-width: 600px;
    width: calc(100% - 40px);
    transition: opacity 0.3s ease-out;
}

.cookie-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.cookie-text {
    flex: 1;
}

.cookie-text p {
    margin: 0;
    font-size: 14px;
    line-height: 1.5;
    color: rgba(255, 255, 255, 0.9);
}

.cookie-text a {
    color: #D4AF37;
    text-decoration: none;
    border-bottom: 1px solid transparent;
    transition: border-color 0.2s;
    font-weight: 500;
}

.cookie-text a:hover {
    border-bottom-color: #D4AF37;
}

.cookie-buttons {
    display: flex;
    gap: 12px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 8px 20px;
    border: none;
    border-radius: 6px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    white-space: nowrap;
    font-family: inherit;
}

.cookie-btn-text {
    background: transparent;
    color: rgba(255, 255, 255, 0.8);
}

.cookie-btn-text:hover {
    color: white;
    background: rgba(255, 255, 255, 0.1);
}

.cookie-btn-primary {
    background: #D4AF37;
    color: #000;
}

.cookie-btn-primary:hover {
    background: #E5C04A;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(212, 175, 55, 0.3);
}

/* Mobile responsive */
@media (max-width: 640px) {
    .cookie-banner {
        bottom: 0;
        left: 0;
        right: 0;
        transform: none;
        border-radius: 12px 12px 0 0;
        width: 100%;
        max-width: none;
        padding: 20px;
    }
    
    .cookie-content {
        flex-direction: column;
        align-items: stretch;
        gap: 16px;
    }
    
    .cookie-text p {
        text-align: center;
    }
    
    .cookie-buttons {
        width: 100%;
        justify-content: stretch;
    }
    
    .cookie-btn {
        flex: 1;
        padding: 12px 20px;
    }
}