@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');
*{margin:0;padding:0;box-sizing:border-box}
:root{--blue:#2563eb;--blue-dark:#1d4ed8;--blue-light:#dbeafe;--green:#16a34a;--yellow:#ca8a04;--red:#dc2626;--gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-300:#d1d5db;--gray-500:#6b7280;--gray-700:#374151;--gray-900:#111827}
body{font-family:'Inter',system-ui,sans-serif;color:var(--gray-900);background:#fff;line-height:1.6}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.container{max-width:1100px;margin:0 auto;padding:0 20px}

/* NAV */
nav{background:#fff;border-bottom:1px solid var(--gray-200);padding:12px 0;position:sticky;top:0;z-index:100}
nav .container{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px}
nav .logo{font-weight:700;font-size:1.1rem;color:var(--blue)}
nav .logo span{color:var(--gray-500);font-weight:400;font-size:.85rem}
nav .nav-links{display:flex;gap:8px;flex-wrap:wrap}
nav .nav-links a{font-size:.82rem;padding:5px 10px;border-radius:6px;color:var(--gray-700);transition:.2s}
nav .nav-links a:hover,nav .nav-links a.active{background:var(--blue-light);color:var(--blue);text-decoration:none}

/* HERO */
.hero{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;padding:50px 0 40px;text-align:center}
.hero h1{font-size:2.2rem;font-weight:800;margin-bottom:8px}
.hero p{font-size:1.1rem;opacity:.9;max-width:600px;margin:0 auto}

/* CARDS */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px;margin:30px 0}
.card{background:#fff;border:1px solid var(--gray-200);border-radius:12px;padding:24px;transition:.2s}
.card:hover{box-shadow:0 4px 20px rgba(0,0,0,.08);transform:translateY(-2px)}
.card h3{font-size:1.1rem;margin-bottom:6px}
.card p{color:var(--gray-500);font-size:.9rem}
.card .card-link{display:inline-block;margin-top:12px;font-weight:600;font-size:.9rem}

/* CALC SECTIONS */
.calc-section{padding:40px 0}
.calc-wrapper{background:#fff;border:1px solid var(--gray-200);border-radius:16px;padding:30px;max-width:800px;margin:0 auto}
.calc-wrapper h2{font-size:1.5rem;font-weight:700;margin-bottom:20px;text-align:center}
.input-group{margin-bottom:18px}
.input-group label{display:block;font-weight:600;font-size:.85rem;margin-bottom:4px;color:var(--gray-700)}
.input-group .hint{font-size:.75rem;color:var(--gray-500);margin-bottom:4px}
.input-group input[type=number],.input-group input[type=text],.input-group select{width:100%;padding:10px 14px;border:1px solid var(--gray-300);border-radius:8px;font-size:1rem;font-family:inherit}
.input-group input:focus,.input-group select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
.input-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.input-row.three{grid-template-columns:1fr 1fr 1fr}
.slider-row{display:flex;align-items:center;gap:12px}
.slider-row input[type=range]{flex:1;accent-color:var(--blue)}
.slider-row .val{min-width:90px;text-align:right;font-weight:600;font-size:.95rem}

/* RESULTS */
.result-box{background:var(--blue);color:#fff;border-radius:12px;padding:24px;text-align:center;margin:24px 0}
.result-box .big{font-size:2.8rem;font-weight:800;line-height:1.1}
.result-box .label{font-size:.9rem;opacity:.85;margin-top:4px}
.result-detail{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:16px 0}
.result-detail .item{background:var(--gray-50);border-radius:8px;padding:14px;text-align:center}
.result-detail .item .num{font-size:1.3rem;font-weight:700;color:var(--blue)}
.result-detail .item .lbl{font-size:.75rem;color:var(--gray-500);margin-top:2px}

/* DTI GAUGE */
.dti-gauge{width:200px;height:200px;border-radius:50%;margin:20px auto;display:flex;align-items:center;justify-content:center;flex-direction:column;border:8px solid var(--gray-200)}
.dti-gauge .pct{font-size:2.5rem;font-weight:800}.dti-gauge .status{font-size:.85rem;font-weight:600}
.dti-green{border-color:var(--green)}.dti-green .pct,.dti-green .status{color:var(--green)}
.dti-yellow{border-color:var(--yellow)}.dti-yellow .pct,.dti-yellow .status{color:var(--yellow)}
.dti-red{border-color:var(--red)}.dti-red .pct,.dti-red .status{color:var(--red)}

/* PIE */
.chart-container{max-width:350px;margin:20px auto}

/* TABLE */
.breakdown-table{width:100%;border-collapse:collapse;margin:16px 0}
.breakdown-table th,.breakdown-table td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--gray-200);font-size:.9rem}
.breakdown-table th{font-weight:600;color:var(--gray-500);font-size:.8rem;text-transform:uppercase}
.breakdown-table .total td{font-weight:700;border-top:2px solid var(--gray-900)}

/* CTA */
.cta-bar{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin:24px 0}
.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 22px;border-radius:8px;font-weight:600;font-size:.9rem;border:none;cursor:pointer;transition:.2s;text-decoration:none}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-dark);text-decoration:none}
.btn-outline{border:2px solid var(--blue);color:var(--blue);background:transparent}.btn-outline:hover{background:var(--blue-light);text-decoration:none}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{opacity:.9;text-decoration:none}

/* FOOTER */
footer{background:var(--gray-50);border-top:1px solid var(--gray-200);padding:30px 0;margin-top:40px;font-size:.8rem;color:var(--gray-500);text-align:center}
footer .footer-links{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:12px}
footer .footer-links a{color:var(--gray-500)}
footer .compliance{max-width:600px;margin:8px auto 0;line-height:1.5}
footer .ehl{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:8px}

/* FAQ */
.faq-item{border:1px solid var(--gray-200);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq-q{padding:16px 20px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:var(--gray-50)}
.faq-q:hover{background:var(--gray-100)}
.faq-a{padding:0 20px;max-height:0;overflow:hidden;transition:.3s}
.faq-a.open{padding:16px 20px;max-height:1000px}
.faq-a p{color:var(--gray-700);font-size:.9rem;line-height:1.7}

/* GUIDE */
.guide{background:var(--gray-50);border-radius:12px;padding:24px;margin:24px 0}
.guide h3{margin-bottom:12px}
.guide ul{list-style:none;padding:0}.guide ul li{padding:8px 0;border-bottom:1px solid var(--gray-200);font-size:.9rem}
.guide ul li:last-child{border:none}
.guide ul li strong{color:var(--blue)}

/* COMPARISON */
.compare-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0}
.compare-col{background:var(--gray-50);border-radius:12px;padding:20px;text-align:center}
.compare-col h4{margin-bottom:12px;font-size:1rem}
.compare-col .big{font-size:1.8rem;font-weight:800;color:var(--blue)}

/* RESPONSIVE */
@media(max-width:640px){
 .hero h1{font-size:1.6rem}.hero p{font-size:.95rem}
 .input-row,.input-row.three{grid-template-columns:1fr}
 .result-box .big{font-size:2rem}
 .compare-cols{grid-template-columns:1fr}
 nav .nav-links a{font-size:.75rem;padding:4px 7px}
}