/* ══════════════════════════════════════════════════════════
   MAVERICK INVESTOR — shared stylesheet
   Design system ported from RiskMaverick (assets/css/site.css there).
   Light is the default here; [data-theme="dark"] switches to the dark
   palette. The no-flash read of localStorage 'mi-theme' is an inline
   script at the top of each page's <head>; the toggle is assets/js/theme.js.
══════════════════════════════════════════════════════════ */

/* ── Tokens — light (default) ── */
:root {
  --bg: #FBFBF9;            /* Page canvas */
  --bg-elev: #FFFFFF;       /* Ticker, bands, inputs */
  --surface: #FFFFFF;       /* Cards, table headers */
  --surface-2: #F3F3EF;     /* Card hover, inset panels */
  --ink: #12141A;           /* Primary text */
  --ink-muted: #555C66;     /* Secondary text */
  --border: #E3E3DD;        /* All 1px rules */
  --accent: #FF7A1A;        /* Button fills, markers */
  --accent-text: #A34600;   /* Accent used as text */
  --accent-fg: #12141A;     /* Text on an accent fill */
  --accent-dim: rgba(255,122,26,.16);
  --accent-border: rgba(255,122,26,.35);
  /* Opaque orange-tinted tile: the tint laid over the card colour, so the
     page-wide candles don't show through. */
  --tile-accent: linear-gradient(var(--accent-dim), var(--accent-dim)), var(--surface);
  --pos: #16A34A;
  --neg: #DC2626;
  --amber: #B45309;
  --blue: #2563EB;          /* Debt / allocation, large-cap badges */
  --violet: #7C3AED;        /* Mid-cap badges */
  --shadow: 0 1px 3px rgba(0,0,0,.08);
  --shadow-lift: 0 8px 24px rgba(0,0,0,.08);
  --bg-veil: rgba(251,251,249,.92);
  --scrim: rgba(18,20,26,.55);

  --pos-dim: rgba(22,163,74,.12);
  --neg-dim: rgba(220,38,38,.12);
  --amber-dim: rgba(180,83,9,.12);
  --border-soft: rgba(0,0,0,.06);

  --font: 'Inter', system-ui, sans-serif;
  --mono: 'JetBrains Mono', ui-monospace, monospace;
  /* Instrument Serif ships a single 400 weight — display type is never bolded. */
  --font-display: "Instrument Serif", Georgia, "Times New Roman", serif;
  --t-hero: clamp(38px, 4.6vw, 60px);
  --maxw: 1200px;
  --edge: 1cm;                               /* Sitewide left/right page margin */
  --content-inset: calc(var(--edge) + 5mm);  /* Content start: 5mm clear of the guide line */
  --edge-line: rgba(255,122,26,.35);

  --s1: 4px;  --s2: 8px;  --s3: 12px; --s4: 16px;
  --s5: 24px; --s6: 32px; --s7: 48px; --s8: 64px;

  --r-chip: 4px;
  --r: 8px;
  --r-pill: 999px;

  --e-out: cubic-bezier(.22,.61,.36,1);
  --m-micro: 180ms;
}

/* ── Tokens — dark ── */
[data-theme="dark"] {
  --bg: #0A0B0D;
  --bg-elev: #101317;
  --surface: #14171B;
  --surface-2: #1B1F25;
  --ink: #F4F6F8;
  --ink-muted: #9AA2AB;
  --border: #262B32;
  --accent: #FF7A1A;
  --accent-text: #FF8A38;
  --accent-fg: #04121C;
  --accent-dim: rgba(255,122,26,.14);
  --accent-border: rgba(255,122,26,.35);
  --pos: #4ADE80;
  --neg: #F87171;
  --amber: #F59E0B;
  --blue: #60A5FA;
  --violet: #C4B5FD;
  --shadow: none;
  --shadow-lift: none;
  --bg-veil: rgba(10,11,13,.92);
  --scrim: rgba(0,0,0,.65);
  --pos-dim: rgba(74,222,128,.12);
  --neg-dim: rgba(248,113,113,.12);
  --amber-dim: rgba(245,158,11,.12);
  --border-soft: rgba(255,255,255,.06);
}

/* Physical 1cm margins eat a phone screen — scale them down. */
@media (max-width:767px){ :root{ --edge:20px; --content-inset:28px; } }
@media (max-width:420px){ :root{ --edge:14px; --content-inset:20px; } }

/* ══════════════════════════════════════════════════════════
   BASE
══════════════════════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: clip; background: var(--bg); }
body {
  position: relative; color: var(--ink);
  font-family: var(--font); font-size: 15px; line-height: 1.6;
  min-height: 100vh; overflow-x: clip;
}
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 400; letter-spacing: -0.01em; color: var(--ink); }
a { color: inherit; text-decoration: none; }
a:visited { color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
strong { color: var(--ink); }
button { font-family: inherit; }
.logo:focus-visible, button:focus-visible, a:focus-visible, input:focus-visible {
  outline: 2px solid var(--accent); outline-offset: 2px; border-radius: var(--r-chip);
}
/* Range sliders: thin track, accent thumb — matches in both themes. */
input[type=range] { -webkit-appearance: none; appearance: none; height: 18px; background: transparent; cursor: pointer; }
input[type=range]::-webkit-slider-runnable-track { height: 4px; border-radius: 2px; background: var(--border); }
input[type=range]::-moz-range-track { height: 4px; border-radius: 2px; background: var(--border); }
input[type=range]::-moz-range-progress { height: 4px; border-radius: 2px; background: var(--accent); }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 14px; height: 14px; margin-top: -5px; border-radius: 50%; background: var(--accent); border: 2px solid var(--surface); box-shadow: 0 0 0 1px var(--accent); }
input[type=range]::-moz-range-thumb { width: 12px; height: 12px; border-radius: 50%; background: var(--accent); border: 2px solid var(--surface); box-shadow: 0 0 0 1px var(--accent); }
.mono { font-family: var(--mono); font-variant-numeric: tabular-nums; }

/* Overflow guide rails at the page margin, from under the header to the
   bottom of the document. --header-h is measured by assets/js/edge-guide.js. */
body::before, body::after {
  content: ""; position: absolute; top: var(--header-h, 100px); bottom: 0;
  width: 1px; background: var(--edge-line); z-index: 9999; pointer-events: none;
}
body::before { left: var(--edge); }
body::after  { right: var(--edge); }

/* Page column: content starts 5mm inside the guide line. */
.container { max-width: calc(var(--maxw) + 2 * var(--content-inset)); margin: 0 auto; padding: 0 var(--content-inset); }
section { padding: var(--s8) 0; }
.center { text-align: center; }

/* Section headings */
.section-label {
  display: inline-flex; align-items: center; gap: var(--s3);
  font: 500 12px/1 var(--mono); letter-spacing: .12em; text-transform: uppercase;
  color: var(--ink-muted); margin-bottom: var(--s4);
}
.section-label::before { content: ""; width: 24px; height: 1px; background: var(--accent); flex: none; }
.section-label svg { width: 13px; height: 13px; }
.section-title { font-size: clamp(30px, 3.4vw, 44px); line-height: 1.1; margin-bottom: var(--s3); }
.section-sub { font-size: 16px; color: var(--ink-muted); max-width: 58ch; }
.center .section-sub { margin: 0 auto; }

/* ══════════════════════════════════════════════════════════
   BUTTONS
══════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s2);
  min-height: 46px; padding: var(--s3) var(--s5); border-radius: var(--r);
  border: 1px solid transparent; font: 600 15px/1 var(--font); cursor: pointer; white-space: nowrap;
  transition: transform var(--m-micro) var(--e-out), background var(--m-micro) var(--e-out),
              border-color var(--m-micro) var(--e-out), color var(--m-micro) var(--e-out);
}
.btn svg { width: 15px; height: 15px; flex-shrink: 0; }
.btn:active { transform: scale(.98); }
.btn-primary, a.btn-primary:visited { background: var(--accent); color: var(--accent-fg); }
.btn-primary:hover { transform: translateY(-2px); }
.btn-secondary, a.btn-secondary:visited { background: transparent; color: var(--ink); border-color: var(--border); }
.btn-secondary:hover { border-color: var(--accent); color: var(--accent-text); }

/* ══════════════════════════════════════════════════════════
   TICKER (top bar, above the nav — as on RiskMaverick)
══════════════════════════════════════════════════════════ */
.ticker-bar {
  background: var(--bg-elev); border-bottom: 1px solid var(--border);
  padding: 7px 0; overflow: hidden;
}
.ticker-track {
  display: flex; gap: 2.5rem; width: max-content; white-space: nowrap;
  animation: ticker 90s linear infinite;
}
.ticker-track:hover { animation-play-state: paused; }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.ticker-item { display: inline-flex; align-items: center; gap: .5rem; font: 500 12.5px/1 var(--mono); color: var(--ink); }
.ticker-item .name { color: var(--ink-muted); letter-spacing: .04em; }
.ticker-item .up   { color: var(--pos); }
.ticker-item .down { color: var(--neg); }
.ticker-item .sep  { color: var(--border); }
@media (prefers-reduced-motion: reduce) { .ticker-track { animation: none; } }

/* ══════════════════════════════════════════════════════════
   NAV  (markup rendered by assets/js/chrome.js)
══════════════════════════════════════════════════════════ */
mi-nav, mi-footer { display: contents; }
.nav {
  position: sticky; top: 0; z-index: 50;
  background: var(--bg-veil); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 22px;
  padding: 10px var(--content-inset); height: 68px; margin: 0 auto;
}
.logo { display: flex; align-items: center; gap: 10px; color: var(--ink); justify-self: start; }
.logo-icon { width: 46px; height: 46px; border-radius: var(--r); overflow: hidden; flex-shrink: 0; background: #0A0B0D; }
.logo-icon img { width: 100%; height: 100%; object-fit: cover; }
.logo-word { font: 800 18px/1 var(--font); letter-spacing: -.01em; color: var(--ink); }
.logo-word strong { color: var(--accent-text); font-weight: 800; }
.nav-brand { display: flex; align-items: center; gap: 16px; justify-self: start; min-width: 0; }
.nav-tagline { padding-left: 16px; border-left: 1px solid var(--border); font: 400 16px/1.15 var(--font-display); color: var(--ink-muted); white-space: nowrap; }
.nav-tagline em { color: var(--accent-text); }
/* Room for it beside six links only on wide screens; the collapsed (burger)
   nav has room again until phone widths. */
@media (max-width: 1180px) and (min-width: 901px) { .nav-tagline { display: none; } }
@media (max-width: 640px) { .nav-tagline { display: none; } }
.nav-links { display: flex; align-items: center; gap: 24px; justify-self: end; }
.nav-links a { color: var(--ink-muted); font: 600 14px/1 var(--font); padding: 6px 0; border-bottom: 2px solid transparent; transition: color var(--m-micro); }
.nav-links a:hover { color: var(--ink); }
.nav-links a[aria-current="page"] { color: var(--ink); border-bottom-color: var(--accent); }
.nav-act { display: flex; align-items: center; gap: 10px; justify-self: end; }
.icon-btn {
  display: grid; place-items: center; width: 36px; height: 36px; background: transparent;
  border: 1px solid var(--border); border-radius: var(--r); color: var(--ink); cursor: pointer;
}
.icon-btn:hover { border-color: var(--accent); color: var(--accent-text); }
.icon-btn svg { width: 16px; height: 16px; }
/* Show the icon for the theme you would switch TO. */
.ico-sun { display: none; }
.ico-moon { display: block; }
[data-theme="dark"] .ico-sun { display: block; }
[data-theme="dark"] .ico-moon { display: none; }
.nav-toggle { display: none; width: 44px; height: 44px; place-items: center; background: none; border: 0; color: var(--ink); font-size: 22px; cursor: pointer; }
@media (max-width: 900px) {
  .nav-inner { display: flex; justify-content: space-between; }
  .nav-toggle { display: grid; }
  .nav-links {
    display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column;
    align-items: stretch; gap: 0; background: var(--surface); border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lift); padding: 8px var(--content-inset);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px 0; font-size: 16px; border-bottom: 1px solid var(--border-soft); }
  .nav-links a[aria-current="page"] { color: var(--accent-text); border-bottom-color: var(--border-soft); }
  .logo-icon { width: 38px; height: 38px; }
}

/* ══════════════════════════════════════════════════════════
   FOOTER  (markup rendered by assets/js/chrome.js)
══════════════════════════════════════════════════════════ */
.site-footer { border-top: 1px solid var(--border); background: var(--bg-elev); margin-top: var(--s2); }
.footer-inner {
  margin: 0 auto; padding: var(--s7) var(--content-inset) var(--s5);
  display: grid; grid-template-columns: minmax(240px, 1.6fr) repeat(3, minmax(120px, 1fr));
  gap: 2rem 1.75rem; align-items: start;
}
.footer-brand { display: flex; flex-direction: column; gap: var(--s4); max-width: 38ch; }
.footer-brand .logo-icon { width: 40px; height: 40px; }
.footer-brand p { font-size: 13.5px; color: var(--ink-muted); line-height: 1.6; }
.footer-tagline { font: 400 20px/1.2 var(--font-display); color: var(--ink); }
.footer-tagline em { color: var(--accent-text); }
.sebi-badge {
  align-self: flex-start; display: inline-flex; align-items: center; gap: .4rem;
  border: 1px solid var(--border); border-radius: var(--r-chip); padding: 6px 10px;
  font: 600 11.5px/1 var(--font); color: var(--ink-muted); background: var(--surface);
}
.sebi-badge svg { width: 13px; height: 13px; color: var(--pos); }
.social-row { display: flex; gap: .5rem; }
.social-btn {
  width: 36px; height: 36px; display: grid; place-items: center;
  border: 1px solid var(--border); border-radius: var(--r); color: var(--ink-muted);
  transition: color var(--m-micro), border-color var(--m-micro);
}
.social-btn:hover { color: var(--accent-text); border-color: var(--accent); }
.social-btn svg { width: 16px; height: 16px; }
.footer-col h4 { font: 700 11.5px/1 var(--font); text-transform: uppercase; letter-spacing: .06em; color: var(--ink); margin: 0 0 14px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.site-footer a, .site-footer a:visited { color: var(--ink-muted); }
.footer-col a { font: 600 13px/1.3 var(--font); }
.site-footer a:hover { color: var(--accent-text); }
.footer-legal {
  margin: 0 auto; padding: var(--s4) var(--content-inset) var(--s5); border-top: 1px solid var(--border);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: .5rem 1.5rem;
  color: var(--ink-muted); font-size: 12.5px;
}
@media (max-width: 900px) { .footer-inner { grid-template-columns: repeat(3, 1fr); } .footer-brand { grid-column: 1 / -1; max-width: none; } }
@media (max-width: 560px) { .footer-inner { grid-template-columns: repeat(2, 1fr); } }

/* ══════════════════════════════════════════════════════════
   PAGE UTILITIES — floating back / back-to-top circles
   (created by assets/js/page-utils.js)
══════════════════════════════════════════════════════════ */
/* 1mm inside the right guide line. */
.pageutils { position: fixed; right: calc(var(--edge) + 1mm); bottom: var(--edge); z-index: 70; display: flex; flex-direction: column; gap: 10px; }
.pageutils button {
  width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--border); background: var(--surface);
  color: var(--ink-muted); font: 600 16px/1 var(--mono); cursor: pointer; box-shadow: 0 4px 14px rgba(0,0,0,.14);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .2s, transform .2s, visibility .2s, color .15s, border-color .15s;
}
.pageutils button.show { opacity: 1; visibility: visible; transform: none; }
.pageutils button:hover { color: var(--accent-text); border-color: var(--accent); }
@media (max-width: 767px) { .pageutils button { width: 44px; height: 44px; } }
@media (prefers-reduced-motion: reduce) { .pageutils button { transition: none; } }

/* ══════════════════════════════════════════════════════════
   SHARED WIDGETS
══════════════════════════════════════════════════════════ */
.live-dot {
  display: inline-block; width: 7px; height: 7px; background: var(--pos); border-radius: 50%;
  margin-right: 6px; vertical-align: middle; animation: pulse 1.4s ease-in-out infinite;
}
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: .3; } }
.positive { color: var(--pos); font-weight: 700; }
.negative { color: var(--neg); font-weight: 700; }

.disclaimer {
  background: var(--tile-accent); border: 1px solid var(--accent-border); border-left: 3px solid var(--accent);
  border-radius: var(--r); padding: var(--s4) var(--s5);
  font-size: 13px; color: var(--ink-muted); line-height: 1.65; max-width: 900px; margin: 0 auto;
}
.disclaimer-icon svg { width: 16px; height: 16px; vertical-align: -3px; margin-right: 4px; color: var(--accent-text); }

/* Contact popup (footer "Contact") */
.email-popup { display: none; position: fixed; inset: 0; z-index: 9999; background: var(--scrim); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); align-items: center; justify-content: center; }
.email-popup.open { display: flex; }
.email-popup-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); padding: var(--s6) var(--s6); text-align: center; max-width: 360px; width: 90%; box-shadow: var(--shadow-lift); }
.email-popup-card .ep-label { font: 500 11px/1 var(--mono); color: var(--ink-muted); text-transform: uppercase; letter-spacing: .12em; margin-bottom: .6rem; }
.email-popup-card .ep-addr { font: 600 16px/1.3 var(--mono); color: var(--ink); margin-bottom: var(--s5); }
.email-popup-card .ep-btns { display: flex; gap: .75rem; justify-content: center; }
.email-popup-card .ep-ok { color: var(--pos); font-size: 13px; margin-top: .75rem; opacity: 0; transition: opacity .2s; height: 1em; }

/* Toast */
.mi-toast {
  position: fixed; bottom: 2rem; left: 50%; transform: translateX(-50%); z-index: 9999;
  background: var(--ink); color: var(--bg); padding: .9rem 1.5rem; border-radius: var(--r);
  font-weight: 600; font-size: 14px; box-shadow: var(--shadow-lift);
}

/* ══════════════════════════════════════════════════════════
   INNER PAGES — shared structure (same system as Home)
   <body class="page-xxx">  →  section.page-hero  →  .page-body of tiles
══════════════════════════════════════════════════════════ */
.page-hero { position: relative; padding: var(--s7) 0 var(--s6); }
.page-hero h1 { font-size: clamp(40px, 5vw, 62px); line-height: 1.04; letter-spacing: -.02em; margin-bottom: var(--s4); }
.page-hero h1 em { font-style: italic; color: var(--accent-text); }
.page-hero .lede { font-size: 17px; color: var(--ink-muted); max-width: 66ch; }
.page-hero .lede strong { color: var(--ink); }
.page-hero .hero-btns { margin-top: var(--s5); }
.meta-chip {
  display: inline-block; margin-top: var(--s4); font: 500 12px/1.6 var(--mono); color: var(--ink-muted);
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-chip); padding: 6px 10px;
}
.meta-chip span { color: var(--ink); }
.page-body { display: flex; flex-direction: column; gap: var(--s5); padding-bottom: var(--s8); }
.page-body > section:not(.tile), .page-section { padding: 0; }
.page-section-head { margin: var(--s6) 0 var(--s2); }

/* The standard tile: solid, so the page candles never show through. */
.tile { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); box-shadow: var(--shadow); padding: var(--s6); min-width: 0; }
.tile--accent { background: var(--tile-accent); border-color: var(--accent-border); }
.tile-title, .tile .tile-title {
  display: flex; align-items: center; gap: var(--s3); margin-bottom: var(--s5);
  font: 500 12px/1.2 var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--ink-muted);
}
.page-body .disclaimer { max-width: none; margin: 0; }
.tile-title::before { content: ""; width: 24px; height: 1px; background: var(--accent); flex: none; }
.tile h2 { font-size: clamp(26px, 2.6vw, 34px); line-height: 1.12; margin-bottom: var(--s3); }
.tile h3 { font-size: 22px; line-height: 1.2; margin-bottom: var(--s2); }
.tile p { color: var(--ink-muted); }
.tile-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: var(--s4); }
@media (max-width: 680px) { .tile { padding: var(--s5) var(--s4); } }

/* Form fields */
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field > label, .field-label { font: 600 11px/1.2 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); }
select, input[type=text], input[type=number], input[type=email], input[type=tel], input[type=date], textarea {
  font: 500 14px/1.3 var(--font); color: var(--ink); background: var(--bg-elev);
  border: 1px solid var(--border); border-radius: var(--r); padding: 10px 12px; min-width: 0; max-width: 100%;
  transition: border-color var(--m-micro);
}
select:focus, input[type=text]:focus, input[type=number]:focus, input[type=email]:focus, input[type=tel]:focus, input[type=date]:focus, textarea:focus {
  outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-dim);
}
select { cursor: pointer; }

/* Tabs / pill filters (same look as the Home fund filter) */
.tabs { display: flex; gap: var(--s2); flex-wrap: wrap; }
.tab {
  padding: 9px 16px; border-radius: var(--r); border: 1px solid var(--border); background: var(--surface);
  font: 600 13.5px/1 var(--font); color: var(--ink-muted); cursor: pointer;
  transition: color var(--m-micro), border-color var(--m-micro), background var(--m-micro);
}
.tab:hover { color: var(--ink); border-color: var(--accent); }
.tab.active { background: var(--accent); border-color: var(--accent); color: var(--accent-fg); }

/* Data tables */
.tbl-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--r); background: var(--surface); }
.data-table { width: 100%; border-collapse: collapse; font-size: 13.5px; }
.data-table thead th {
  background: var(--surface-2); color: var(--ink-muted); font: 600 10.5px/1.2 var(--mono); letter-spacing: .08em;
  text-transform: uppercase; padding: 11px 12px; white-space: nowrap; border-bottom: 1px solid var(--border); text-align: center;
}
.data-table tbody td { padding: 10px 12px; border-top: 1px solid var(--border-soft); white-space: nowrap; text-align: center; font-variant-numeric: tabular-nums; }
.data-table tbody tr:hover td { background: var(--surface-2); }
.data-table .l { text-align: left; }

/* Chips and small badges */
.chip { display: inline-block; font: 600 10.5px/1 var(--font); letter-spacing: .06em; text-transform: uppercase; padding: 5px 8px; border-radius: var(--r-chip); background: var(--surface-2); color: var(--ink-muted); }
.chip--accent { background: var(--accent-dim); color: var(--accent-text); }
.note { font-size: 13.5px; color: var(--ink-muted); line-height: 1.7; }
.note strong { color: var(--ink); }
.legend { font-size: 12.5px; color: var(--ink-muted); margin-top: var(--s3); line-height: 1.7; }

/* ══════════════════════════════════════════════════════════
   TILE REVEAL — the hero portfolio card's entrance, for every tile
   (assets/js/reveal.js; html.rv is set in <head> unless reduced motion)
══════════════════════════════════════════════════════════ */
.rv :is(.hero-sip-calc, .fund-cat-block, .why-card, .ret-cta-card, .app-grid, .disclaimer, .tile):not(.is-in) {
  opacity: 0; transform: translateY(30px) scale(.97);
}
/* power2.out, 0.8s — the same curve GSAP uses for the portfolio card. Once the
   entrance ends (.is-done) each tile's own hover transition applies again. */
.rv :is(.hero-sip-calc, .fund-cat-block, .why-card, .ret-cta-card, .app-grid, .disclaimer, .tile).is-in:not(.is-done) {
  transition: opacity .8s cubic-bezier(.25,.46,.45,.94), transform .8s cubic-bezier(.25,.46,.45,.94);
}

/* ══════════════════════════════════════════════════════════
   HOME — intro video
══════════════════════════════════════════════════════════ */
#mv-intro { position: fixed; inset: 0; z-index: 99999; background: #0A0B0D; display: flex; align-items: center; justify-content: center; cursor: pointer; transition: opacity .55s ease; }
#mv-intro.mv-out { opacity: 0; pointer-events: none; }
#mv-intro video { width: 100%; height: 100%; object-fit: cover; }
#mv-intro .mv-fade { position: absolute; inset: 0; pointer-events: none; background: radial-gradient(circle at 50% 45%, transparent 55%, rgba(10,11,13,.55) 100%); }
#mv-skip {
  position: absolute; bottom: 6%; right: 6%; background: rgba(10,11,13,.55);
  border: 1px solid rgba(255,255,255,.22); color: #F4F6F8; font: 600 12px/1 var(--mono);
  letter-spacing: .14em; padding: .6rem 1.1rem; border-radius: var(--r);
  -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
}
@media (prefers-reduced-motion: reduce) { #mv-intro { display: none !important; } }

/* ══════════════════════════════════════════════════════════
   HOME — hero
══════════════════════════════════════════════════════════ */
.hero { position: relative; padding: var(--s7) 0 var(--s8); border-bottom: 1px solid var(--border); }
/* Page-wide candlestick backdrop (Home). Fixed behind everything; tiles and
   cards have solid backgrounds, so the candles show only in the gaps. */
.page-candles { position: fixed; inset: 0; width: 100%; height: 100%; pointer-events: none; z-index: -1; opacity: .2; }
[data-theme="dark"] .page-candles { opacity: .24; }
@media (prefers-reduced-motion: reduce) { .page-candles { display: none; } }
.hero > .container { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: var(--s7); align-items: center; }
.hero-label { display: inline-flex; align-items: center; gap: var(--s3); font: 500 12px/1 var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: var(--s5); }
.hero-label::before { content: ""; width: 24px; height: 1px; background: var(--accent); }
.hero-label svg { width: 14px; height: 14px; color: var(--accent-text); }
.hero h1 { font-size: var(--t-hero); line-height: 1.04; letter-spacing: -0.02em; margin-bottom: var(--s5); }
.hero h1 span { font-style: italic; color: var(--accent-text); }
.hero p { font-size: 17px; color: var(--ink-muted); margin-bottom: var(--s6); max-width: 46ch; }
.hero-btns { display: flex; gap: var(--s3); flex-wrap: wrap; }
.hero-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s3); margin-top: var(--s6); padding-top: var(--s5); border-top: 1px solid var(--border-soft); max-width: 480px; }
.stat-pill { text-align: left; }
.stat-pill .val { font: 600 26px/1.1 var(--mono); color: var(--ink); font-variant-numeric: tabular-nums; }
.stat-pill .lbl { font-size: 11.5px; color: var(--ink-muted); text-transform: uppercase; letter-spacing: .08em; margin-top: 4px; }
.stat-pill.pill-pop .val { animation: pillPop .35s ease-out; }
@keyframes pillPop { 0% { color: var(--ink); } 40% { color: var(--accent-text); } 100% { color: var(--ink); } }

.hero-visual { position: relative; }
.hero-cards-layout { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, 1fr); gap: var(--s4); align-items: stretch; }
.hero-card-wrap { position: relative; }

/* Example portfolio card */
.dashboard-card {
  position: relative; z-index: 1; height: 100%;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r);
  box-shadow: var(--shadow-lift); padding: var(--s5); color: var(--ink);
}
.dc-header { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--s2); margin-bottom: var(--s4); }
.dc-title { font: 400 20px/1.1 var(--font-display); color: var(--ink); }
.dc-caption { font-size: 11px; color: var(--ink-muted); margin-top: 3px; }
.dc-badge { flex: none; background: var(--accent-dim); color: var(--accent-text); font: 600 10px/1 var(--mono); letter-spacing: .08em; padding: 5px 8px; border-radius: var(--r-chip); }
.alloc-bar-wrap { display: flex; border-radius: var(--r-chip); overflow: hidden; height: 22px; margin-bottom: var(--s4); gap: 2px; }
.alloc-seg { display: flex; align-items: center; justify-content: center; font: 600 9px/1 var(--mono); color: var(--ink); white-space: nowrap; overflow: hidden; }
.alloc-eq   { background: color-mix(in srgb, var(--pos) 30%, transparent); }
.alloc-debt { background: color-mix(in srgb, var(--blue) 28%, transparent); }
.alloc-int  { background: color-mix(in srgb, var(--accent) 35%, transparent); }
.alloc-gold { background: color-mix(in srgb, var(--amber) 32%, transparent); }
.dc-amount { font: 600 30px/1.1 var(--mono); font-variant-numeric: tabular-nums; margin-bottom: 4px; }
.dc-change { font: 500 11.5px/1.4 var(--mono); color: var(--pos); margin-bottom: var(--s4); }
.dc-stats-row { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 6px; margin-bottom: var(--s4); }
.dc-stat { background: var(--surface-2); border-radius: var(--r-chip); padding: 7px 4px; text-align: center; }
.ds-val { font: 600 12px/1.2 var(--mono); color: var(--ink); white-space: nowrap; }
.ds-lbl { font-size: 9px; color: var(--ink-muted); letter-spacing: .06em; text-transform: uppercase; }
.dc-chart { height: 64px; display: flex; align-items: flex-end; gap: 4px; margin-bottom: var(--s4); }
.dc-bar { flex: 1; background: var(--surface-2); border-radius: 2px 2px 0 0; }
.dc-bar.hi { background: var(--accent); }
.dc-funds { display: flex; flex-direction: column; gap: 8px; }
.dc-fund { display: flex; justify-content: space-between; align-items: center; gap: var(--s2); font-size: 12.5px; padding-top: 8px; border-top: 1px solid var(--border-soft); }
.dc-fund .fname { color: var(--ink-muted); }
.dc-fund .fval { font: 600 12px/1 var(--mono); white-space: nowrap; }
.dc-fund .fup { color: var(--pos); }
.dc-fund .fdn { color: var(--neg); }

.float-badge {
  position: absolute; z-index: 2; display: flex; align-items: center; gap: .45rem;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r);
  box-shadow: var(--shadow-lift); padding: 8px 12px; font: 600 12px/1 var(--font); color: var(--ink);
  animation: float 3s ease-in-out infinite; white-space: nowrap;
}
.float-badge.one { bottom: -16px; left: -18px; }
.float-badge.two { top: -14px; right: -14px; animation-delay: 1.5s; }
.fb-icon { display: inline-flex; color: var(--accent-text); }
.fb-icon svg { width: 15px; height: 15px; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-6px); } }
@media (prefers-reduced-motion: reduce) { .float-badge { animation: none; } }

/* Hero calculators */
.hero-calc-stack { display: flex; flex-direction: column; gap: var(--s4); }
.hero-sip-calc {
  flex: 1; display: flex; flex-direction: column;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r);
  box-shadow: var(--shadow); padding: var(--s4) var(--s4) var(--s4);
}
.hsc-title { display: flex; align-items: center; gap: .4rem; font: 500 11px/1 var(--mono); text-transform: uppercase; letter-spacing: .12em; color: var(--ink-muted); margin-bottom: var(--s4); }
.hsc-title svg { width: 13px; height: 13px; color: var(--accent-text); flex-shrink: 0; }
.hsc-row { display: grid; grid-template-columns: 70px minmax(0, 1fr) 62px; align-items: center; gap: .45rem; margin-bottom: 10px; }
.hsc-row label { font-size: 12px; color: var(--ink-muted); }
.hsc-row input[type=range] { width: 100%; cursor: pointer; }
.hsc-row span { font: 600 12px/1 var(--mono); color: var(--ink); text-align: right; }
.hsc-result {
  margin-top: auto; display: flex; align-items: center; justify-content: space-between; gap: var(--s2);
  background: var(--accent-dim); border: 1px solid var(--accent-border); border-radius: var(--r);
  padding: 10px 12px;
}
.hsc-corpus { font: 600 20px/1.1 var(--mono); color: var(--accent-text); white-space: nowrap; }
.hsc-sub { font-size: 11px; color: var(--ink-muted); text-align: right; line-height: 1.4; }

/* ══════════════════════════════════════════════════════════
   HOME — live fund tracker
══════════════════════════════════════════════════════════ */
.tracker-controls { display: flex; gap: var(--s2); flex-wrap: wrap; margin: var(--s6) 0 var(--s5); }
.tab-btn {
  padding: 9px 16px; border-radius: var(--r); border: 1px solid var(--border);
  background: var(--surface); font: 600 13.5px/1 var(--font); color: var(--ink-muted); cursor: pointer;
  transition: color var(--m-micro), border-color var(--m-micro), background var(--m-micro);
}
.tab-btn:hover { color: var(--ink); border-color: var(--accent); }
.tab-btn.active { background: var(--accent); border-color: var(--accent); color: var(--accent-fg); }
.fund-cat-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s5); }
.fund-cat-block { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); overflow: hidden; box-shadow: var(--shadow); }
.fcb-header { padding: 14px var(--s5); display: flex; align-items: center; justify-content: space-between; border-bottom: 1px solid var(--border); }
.fcb-header-left { display: flex; align-items: center; gap: .6rem; }
.fcb-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.fcb-icon { display: inline-flex; color: var(--accent-text); }
.fcb-icon svg { width: 16px; height: 16px; }
.fcb-name { font: 400 21px/1 var(--font-display); color: var(--ink); }
.fcb-count { font: 500 10.5px/1 var(--mono); letter-spacing: .06em; text-transform: uppercase; color: var(--ink-muted); background: var(--surface-2); padding: 5px 8px; border-radius: var(--r-chip); }
.fcb-row-hdr, .fcb-row { display: grid; grid-template-columns: minmax(0, 1fr) 82px 64px 58px; gap: .5rem; align-items: center; padding: 0 var(--s5); }
.fcb-row-hdr { background: var(--surface-2); padding-top: 8px; padding-bottom: 8px; border-bottom: 1px solid var(--border); }
.fcb-row-hdr span { font: 600 10px/1 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); }
.fcb-row-hdr span:nth-child(n+2) { text-align: right; }
.fcb-row { padding-top: 11px; padding-bottom: 11px; border-bottom: 1px solid var(--border-soft); transition: background var(--m-micro); }
.fcb-row:last-child { border-bottom: none; }
.fcb-row:hover { background: var(--surface-2); }
.fcb-fund-name { font-size: 13.5px; font-weight: 600; color: var(--ink); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.fcb-nav, .fcb-d1, .fcb-1y { font: 500 12.5px/1 var(--mono); font-variant-numeric: tabular-nums; text-align: right; }
.fcb-nav { color: var(--ink); font-weight: 600; }
.fcb-1y { color: var(--ink-muted); }
.fcb-d1.positive, .fcb-1y.positive { color: var(--pos); }
.fcb-d1.negative, .fcb-1y.negative { color: var(--neg); }

/* ══════════════════════════════════════════════════════════
   HOME — why us
══════════════════════════════════════════════════════════ */
.why-section { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.why-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s4); margin-top: var(--s7); }
.why-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); padding: var(--s5);
  transition: border-color var(--m-micro) var(--e-out), transform var(--m-micro) var(--e-out);
}
.why-card:hover { border-color: var(--accent); transform: translateY(-4px); }
.why-icon { display: grid; place-items: center; width: 44px; height: 44px; border-radius: var(--r); background: var(--accent-dim); color: var(--accent-text); margin-bottom: var(--s4); }
.why-icon svg { width: 22px; height: 22px; }
.why-card h3 { font-size: 22px; line-height: 1.2; margin-bottom: var(--s2); }
.why-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.55; }

/* ══════════════════════════════════════════════════════════
   HOME — goal-plan call to action
══════════════════════════════════════════════════════════ */
.ret-cta-section { padding: var(--s7) 0; }
.ret-cta-card {
  display: flex; align-items: center; gap: var(--s6); flex-wrap: wrap;
  background: var(--tile-accent); border: 1px solid var(--accent-border); border-radius: var(--r);
  padding: var(--s6) var(--s6);
}
.ret-cta-icon { display: grid; place-items: center; width: 64px; height: 64px; flex-shrink: 0; border-radius: var(--r); background: var(--surface); color: var(--accent-text); border: 1px solid var(--accent-border); }
.ret-cta-icon svg { width: 32px; height: 32px; }
.ret-cta-text { flex: 1; min-width: 240px; }
.ret-cta-text h3 { font-size: 28px; line-height: 1.15; margin-bottom: var(--s2); }
.ret-cta-text p { color: var(--ink-muted); font-size: 15px; }

/* ══════════════════════════════════════════════════════════
   HOME — mobile app
══════════════════════════════════════════════════════════ */
.app-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--s8); align-items: center;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r);
  box-shadow: var(--shadow); padding: var(--s7) var(--s7);
}
.app-features { display: flex; flex-direction: column; gap: var(--s5); margin-top: var(--s6); }
.app-feat { display: flex; gap: var(--s4); align-items: flex-start; }
.af-icon { width: 40px; height: 40px; flex-shrink: 0; display: grid; place-items: center; border-radius: var(--r); background: var(--accent-dim); color: var(--accent-text); }
.af-icon svg { width: 20px; height: 20px; }
.af-text h4 { font-size: 20px; line-height: 1.2; margin-bottom: 2px; }
.af-text p { font-size: 14px; color: var(--ink-muted); line-height: 1.5; }
.phone-mockup { display: flex; gap: var(--s6); align-items: flex-end; justify-content: center; }
.phone { display: flex; flex-direction: column; align-items: center; gap: .75rem; }
/* The handsets stay dark in both themes — they are drawings of devices. */
.phone-body {
  width: 130px; height: 250px; background: #0F0F0F; border: 3px solid #333; border-radius: 16px;
  display: flex; flex-direction: column; align-items: center; justify-content: center; position: relative;
  box-shadow: 0 12px 32px rgba(0,0,0,.22);
}
.phone-body.iphone { height: 270px; border-radius: 28px; border-color: #2A2A2A; }
.phone-speaker { width: 40px; height: 4px; background: #444; border-radius: 2px; position: absolute; top: 10px; }
.phone-notch { width: 44px; height: 10px; background: #1A1A1A; border: 2px solid #2A2A2A; border-radius: 6px; position: absolute; top: 12px; }
.phone-home { width: 30px; height: 30px; border-radius: 50%; border: 2px solid #333; position: absolute; bottom: 8px; }
.phone-bar { width: 80px; height: 4px; background: #333; border-radius: 2px; position: absolute; bottom: 10px; }
.phone-screen { text-align: center; padding: 0 10px; }
.phone-screen svg { width: 28px; height: 28px; color: #FF7A1A; margin: 0 auto .5rem; display: block; }
.phone-soon { color: #FF8A38; font: 600 10px/1 var(--mono); letter-spacing: .08em; text-transform: uppercase; }
.phone-name { color: #9AA2AB; font-size: 9.5px; margin-top: .45rem; line-height: 1.4; }
.phone-label { font-size: 12.5px; color: var(--ink-muted); font-weight: 600; }

/* ══════════════════════════════════════════════════════════
   HOME — responsive
══════════════════════════════════════════════════════════ */
@media (max-width: 1180px) {
  .hero-grid { grid-template-columns: 1fr; gap: var(--s7); }
  .hero-visual { max-width: 760px; }
}
@media (max-width: 1099px) {
  .why-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 899px) {
  section { padding: var(--s7) 0; }
  .app-grid { grid-template-columns: 1fr; gap: var(--s6); padding: var(--s6) var(--s5); }
  .fund-cat-grid { grid-template-columns: 1fr; }
}
@media (max-width: 680px) {
  .hero { padding: var(--s6) 0 var(--s7); }
  .hero-cards-layout { grid-template-columns: 1fr; }
  .float-badge.one { left: 8px; }
  .float-badge.two { right: 8px; }
  .why-grid { grid-template-columns: 1fr; }
  .fcb-row-hdr, .fcb-row { grid-template-columns: minmax(0, 1fr) 74px 58px 52px; padding-left: var(--s4); padding-right: var(--s4); }
  .ret-cta-card { padding: var(--s5); }
  .ret-cta-card .btn { width: 100%; }
}
@media (max-width: 420px) {
  .stat-pill .val { font-size: 21px; }
  .hero-btns .btn { width: 100%; }
  .fcb-row-hdr, .fcb-row { grid-template-columns: minmax(0, 1fr) 68px 54px; }
  .fcb-row-hdr span:nth-child(4), .fcb-1y { display: none; }
}

/* ══════════════════════════════════════════════════════════
   PAGE — Stock Screener  (body.page-screener)
══════════════════════════════════════════════════════════ */
.page-screener .seg { display: flex; gap: var(--s3); flex-wrap: wrap; }
.page-screener .seg button {
  flex: 1; min-width: 190px; text-align: left; cursor: pointer; color: var(--ink);
  background: var(--bg-elev); border: 1px solid var(--border); border-radius: var(--r); padding: 14px 16px;
  transition: border-color var(--m-micro), background var(--m-micro);
}
.page-screener .seg button:hover { border-color: var(--accent); }
.page-screener .seg button .st { display: block; font: 400 21px/1.2 var(--font-display); margin-bottom: 2px; }
.page-screener .seg button .ss { font-size: 12.5px; color: var(--ink-muted); }
.page-screener .seg button.active { border-color: var(--accent); background: var(--tile-accent); }
.page-screener .seg button.active .st { color: var(--accent-text); }
.page-screener .weights { display: flex; gap: var(--s2); flex-wrap: wrap; margin-top: var(--s4); }
.page-screener .wchip { font: 500 12px/1 var(--mono); background: var(--surface-2); border-radius: var(--r-chip); padding: 7px 10px; color: var(--ink-muted); }
.page-screener .wchip-v { color: var(--accent-text); font-weight: 700; }
.page-screener .controls { display: flex; gap: var(--s4); flex-wrap: wrap; align-items: flex-end; }
.page-screener .ctl { display: flex; flex-direction: column; gap: 6px; }
.page-screener .ctl label { font: 600 11px/1.2 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); }
.page-screener .ctl select { min-width: 190px; }
.page-screener .controls .tabs { margin-left: auto; }
.page-screener .count { font: 500 12.5px/1.4 var(--mono); color: var(--ink-muted); margin: var(--s4) 0 var(--s3); }
.page-screener .tbl-wrap table { min-width: 1000px; }
.page-screener .cmp-wrap { overflow-x: auto; margin-top: var(--s4); border: 1px solid var(--border); border-radius: var(--r); }
.page-screener .cmp-wrap table { min-width: 1040px; }
.page-screener .rank { font-family: var(--mono); color: var(--ink-muted); font-weight: 600; }
.page-screener .nm { font-weight: 600; color: var(--ink); }
.page-screener .sec { font-size: 11.5px; color: var(--ink-muted); }
.page-screener .idx-badge { display: inline-block; font: 600 10.5px/1 var(--mono); padding: 5px 7px; border-radius: var(--r-chip); }
.page-screener .idx-large { background: color-mix(in srgb, var(--blue) 14%, transparent); color: var(--blue); }
.page-screener .idx-mid { background: color-mix(in srgb, var(--violet) 14%, transparent); color: var(--violet); }
.page-screener .idx-small { background: var(--pos-dim); color: var(--pos); }
.page-screener .pos { color: var(--pos); font-weight: 600; }
.page-screener .neg { color: var(--neg); font-weight: 600; }
.page-screener .score { font: 700 14px/1 var(--mono); color: var(--accent-text); }
.page-screener .tag { display: inline-block; font: 600 10.5px/1 var(--font); padding: 5px 8px; border-radius: var(--r-chip); background: var(--accent-dim); color: var(--accent-text); }
.page-screener .bar { height: 6px; width: 48px; display: inline-block; vertical-align: middle; margin-left: 8px; background: var(--surface-2); border-radius: 3px; overflow: hidden; }
.page-screener .bar > i { display: block; height: 100%; background: var(--accent); }
.page-screener .cmp-bm td { background: var(--surface-2); }
.page-screener .cmp-bm td .nm { color: var(--ink-muted); }
.page-screener .cmp-firststock td { border-top: 2px solid var(--accent-border); }
.page-screener .cmp-empty { color: var(--ink-muted); font-size: 14px; padding: var(--s4); border: 1px dashed var(--border); border-radius: var(--r); text-align: center; }
.page-screener .empty-row { text-align: center; padding: var(--s6); color: var(--ink-muted); }
@media (max-width: 680px) { .page-screener .controls .tabs { margin-left: 0; } .page-screener .ctl, .page-screener .ctl select { width: 100%; } }
.page-screener .data-table thead th, .page-screener .data-table tbody td { padding-left: 8px; padding-right: 8px; }

/* ══════════════════════════════════════════════════════════
   PAGE — About  (body.page-about)
══════════════════════════════════════════════════════════ */
.page-about .about-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, .8fr); gap: var(--s7); align-items: center; }
.page-about .about-tagline { font: 400 22px/1.3 var(--font-display); color: var(--ink); margin-bottom: var(--s4); }
.page-about .about-stats { grid-template-columns: repeat(4, minmax(0, 1fr)); max-width: 560px; }
.page-about .about-photo { padding: var(--s3); max-width: 380px; justify-self: end; width: 100%; }
.page-about .about-photo img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: calc(var(--r) - 2px); }
.page-about .section-sub { margin-bottom: var(--s6); }
.page-about .timeline { position: relative; padding-left: 32px; }
.page-about .timeline::before { content: ""; position: absolute; left: 6px; top: 6px; bottom: 6px; width: 2px; background: linear-gradient(var(--accent), var(--border)); border-radius: 2px; }
.page-about .tl-item { position: relative; padding-bottom: var(--s6); }
.page-about .tl-item:last-child { padding-bottom: 0; }
.page-about .tl-dot { position: absolute; left: -32px; top: 4px; width: 14px; height: 14px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 0 0 1px var(--accent); }
.page-about .tl-period { font: 600 11px/1.2 var(--mono); color: var(--accent-text); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 6px; }
.page-about .tl-role { font: 400 26px/1.15 var(--font-display); color: var(--ink); }
.page-about .tl-org { font-size: 14px; font-weight: 600; color: var(--ink-muted); margin-bottom: var(--s3); }
.page-about .tl-desc { font-size: 15px; color: var(--ink-muted); line-height: 1.75; max-width: 80ch; }
.page-about .tl-aside { margin-top: var(--s4); font-size: 14px; font-style: italic; border-left: 3px solid var(--accent); padding-left: 14px; }
.page-about .tl-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: var(--s3); }
.page-about .tl-tag { font: 600 11px/1 var(--font); padding: 6px 9px; border-radius: var(--r-chip); background: var(--accent-dim); color: var(--accent-text); }
.page-about .about-skills { margin-top: var(--s4); }
.page-about .cert-badges { display: flex; flex-wrap: wrap; gap: var(--s3); margin-top: var(--s4); align-items: center; }
.page-about .cert-badge-img { height: 60px; width: auto; object-fit: contain; }
.page-about .cert-badge-cfa { height: 84px; }
.page-about .cert-badge { display: inline-flex; align-items: center; font: 600 11px/1 var(--mono); padding: 7px 10px; border-radius: var(--r-chip); }
.page-about .cert-frm { background: color-mix(in srgb, var(--violet) 12%, transparent); color: var(--violet); border: 1px dashed var(--violet); }
.page-about .philosophy blockquote { font: 400 clamp(22px, 2.4vw, 30px)/1.3 var(--font-display); color: var(--ink); border-left: 3px solid var(--accent); padding-left: var(--s5); margin-bottom: var(--s4); }
.page-about .philosophy p { font-size: 15px; line-height: 1.75; max-width: 90ch; }
@media (max-width: 899px) {
  .page-about .about-grid { grid-template-columns: 1fr; gap: var(--s6); }
  .page-about .about-photo { justify-self: start; max-width: 300px; order: -1; }
}
@media (max-width: 560px) { .page-about .about-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ══════════════════════════════════════════════════════════
   PAGE — MF Advisor  (body.page-mf) — a stepped wizard
══════════════════════════════════════════════════════════ */
.page-mf .step { display: none; }
.page-mf .step.active { display: block; }
.page-mf #step7 { display: none; }
.page-mf #step7.active { display: block; }
/* Hovering a goal card fades that goal's photo in behind the picker
   (previewGoal/resetBg in the page script set the image and opacity). */
.page-mf #step0 { position: relative; overflow: hidden; }
.page-mf #goalBg {
  position: absolute; inset: 0; z-index: 0; opacity: 0; pointer-events: none;
  background-size: cover; background-position: center; transform: scale(1.04);
  transition: opacity .6s var(--e-out), transform .8s var(--e-out), background-image .4s;
}
.page-mf #goalBg::after {   /* page-colour wash keeps the heading readable in both themes */
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, color-mix(in srgb, var(--bg) 82%, transparent) 0%, color-mix(in srgb, var(--bg) 55%, transparent) 45%, color-mix(in srgb, var(--bg) 80%, transparent) 100%);
}
.page-mf #goalBg[style*="opacity: 1"] { transform: scale(1); }
.page-mf .goal-content { position: relative; z-index: 1; }

/* Step 0: goal picker */
.page-mf .goal-content { max-width: calc(980px + 2 * var(--content-inset)); margin: 0 auto; padding: var(--s7) var(--content-inset) var(--s8); text-align: center; }
.page-mf .goal-content .section-label { justify-content: center; }
.page-mf .goal-content h1 { font-size: clamp(40px, 5vw, 62px); line-height: 1.04; letter-spacing: -.02em; margin-bottom: var(--s4); }
.page-mf .goal-content h1 em { font-style: italic; color: var(--accent-text); }
.page-mf .goal-content .lede { font-size: 17px; color: var(--ink-muted); max-width: 520px; margin: 0 auto var(--s7); }
.page-mf .goal-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s4); }
.page-mf .goal-card {
  cursor: pointer; text-align: left; overflow: hidden; padding: 0;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); box-shadow: var(--shadow);
  transition: border-color var(--m-micro) var(--e-out), transform var(--m-micro) var(--e-out);
}
.page-mf .goal-card:hover, .page-mf .goal-card-selected { border-color: var(--accent); transform: translateY(-4px); }
.page-mf .goal-card .gc-img { height: 120px; background-size: cover; background-position: center; transition: transform .4s; }
.page-mf .goal-card:hover .gc-img { transform: scale(1.05); }
.page-mf .goal-card .gc-emoji { display: none; }
.page-mf .goal-card .gc-label { font: 400 22px/1.2 var(--font-display); color: var(--ink); padding: var(--s4) var(--s4) 2px; }
.page-mf .goal-card .gc-sub { font-size: 13px; color: var(--ink-muted); padding: 0 var(--s4) var(--s4); }

/* Steps 1 to 5 */
.page-mf .step-wrap { max-width: calc(680px + 2 * var(--content-inset)); margin: 0 auto; padding: var(--s6) var(--content-inset) var(--s8); }
.page-mf #step5 .step-wrap { max-width: calc(760px + 2 * var(--content-inset)); }
.page-mf .back-link { display: inline-flex; align-items: center; gap: 6px; background: none; border: 0; cursor: pointer; color: var(--ink-muted); font: 600 13.5px/1 var(--font); margin-bottom: var(--s5); }
.page-mf .back-link:hover { color: var(--accent-text); }
.page-mf .progress-wrap { height: 4px; background: var(--border); border-radius: 2px; overflow: hidden; margin-bottom: var(--s5); }
.page-mf .progress-fill { height: 100%; background: var(--accent); border-radius: 2px; transition: width .4s ease; }
.page-mf .step-lbl { display: inline-flex; align-items: center; gap: var(--s3); font: 500 12px/1 var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: var(--s3); }
.page-mf .step-lbl::before { content: ""; width: 24px; height: 1px; background: var(--accent); }
.page-mf .step-wrap h2 { font-size: clamp(32px, 3.6vw, 44px); line-height: 1.08; margin-bottom: var(--s2); }
.page-mf .step-sub { color: var(--ink-muted); font-size: 15.5px; margin-bottom: var(--s5); }
.page-mf .goal-banner:empty { display: none; }
.page-mf .goal-banner { display: flex; align-items: center; gap: var(--s3); background: var(--tile-accent); border: 1px solid var(--accent-border); border-radius: var(--r); padding: 12px 16px; margin-bottom: var(--s5); }
.page-mf .goal-banner-bg { display: none; }
.page-mf .gb-emoji { font-size: 26px; line-height: 1; }
.page-mf .gb-name { font: 400 20px/1.1 var(--font-display); color: var(--ink); }
.page-mf .gb-sub { font-size: 12.5px; color: var(--accent-text); }
.page-mf .form-card { margin-bottom: var(--s4); }
.page-mf .form-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: var(--s4); }
.page-mf .form-group { margin-bottom: var(--s4); }
.page-mf .form-row .form-group, .page-mf .form-group:last-child { margin-bottom: 0; }
.page-mf #lump-expense-block { margin-bottom: var(--s5); }
.page-mf .form-group label { display: block; font: 600 11px/1.3 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); margin-bottom: 8px; }
.page-mf .form-group label.fg-title { font: 400 22px/1.2 var(--font-display); text-transform: none; letter-spacing: -.01em; color: var(--ink); }
.page-mf .form-group input[type=text], .page-mf .form-group input[type=number] { width: 100%; }
.page-mf .pfx { position: relative; }
.page-mf .pfx-sym { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--ink-muted); font-weight: 600; }
.page-mf .pfx input { padding-left: 28px; }
.page-mf .hint { font-size: 12px; color: var(--ink-muted); margin-top: 6px; line-height: 1.5; }
.page-mf .inflation-note { font-size: 12px; color: var(--amber); margin-top: 6px; }
.page-mf .ret-expense-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); margin-bottom: var(--s4); }
.page-mf .ret-expense-grid .form-group { margin-bottom: 0; }
.page-mf .ret-total { display: flex; justify-content: space-between; align-items: center; gap: var(--s3); background: var(--tile-accent); border: 1px solid var(--accent-border); border-radius: var(--r); padding: 12px 16px; margin-bottom: var(--s2); }
.page-mf .ret-total-lbl { font-size: 13px; color: var(--ink-muted); }
.page-mf .ret-total-val { font: 600 18px/1 var(--mono); color: var(--accent-text); white-space: nowrap; }
.page-mf .sip-preview { margin-bottom: var(--s4); }
.page-mf .sp-lbl { font: 600 11px/1 var(--mono); letter-spacing: .1em; text-transform: uppercase; color: var(--accent-text); margin-bottom: 8px; }
.page-mf .sp-val { font: 600 32px/1.1 var(--mono); color: var(--ink); }
.page-mf .sp-sub { font-size: 12.5px; color: var(--ink-muted); margin-top: 4px; }
.page-mf .slider-wrap { margin: 10px 0 2px; }
.page-mf .inline-slider { width: 100%; display: block; }
.page-mf .slider-labels { display: flex; justify-content: space-between; font: 500 10.5px/1 var(--mono); color: var(--ink-muted); margin-top: 4px; }

/* Toggle cards and switch */
.page-mf .toggle-card { margin-bottom: var(--s4); padding: var(--s5); }
.page-mf .toggle-row { display: flex; align-items: center; gap: var(--s4); justify-content: space-between; }
.page-mf .tr-label { font-size: 15.5px; font-weight: 600; color: var(--ink); }
.page-mf .tr-sub { font-size: 13px; color: var(--ink-muted); }
.page-mf .sw { position: relative; display: inline-block; width: 46px; height: 26px; flex-shrink: 0; }
.page-mf .sw input { opacity: 0; width: 0; height: 0; }
.page-mf .sw-slide { position: absolute; inset: 0; cursor: pointer; background: var(--surface-2); border: 1px solid var(--border); border-radius: 13px; transition: .25s; }
.page-mf .sw-slide::before { content: ""; position: absolute; width: 20px; height: 20px; left: 2px; top: 2px; background: var(--surface); border: 1px solid var(--border); border-radius: 50%; transition: .25s; }
.page-mf .sw input:checked + .sw-slide { background: var(--accent); border-color: var(--accent); }
.page-mf .sw input:checked + .sw-slide::before { transform: translateX(20px); border-color: var(--accent); }
.page-mf .sw input:focus-visible + .sw-slide { outline: 2px solid var(--accent); outline-offset: 2px; }
.page-mf .expand { max-height: 0; overflow: hidden; transition: max-height .4s ease; }
.page-mf .expand.open { max-height: 480px; }
.page-mf .expand-inner { padding-top: var(--s4); display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); }
.page-mf .expand-inner .form-group { margin-bottom: 0; }

/* Risk quiz */
.page-mf .qp-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r); padding: var(--s5) var(--s4); text-align: center; cursor: pointer; transition: border-color var(--m-micro), transform var(--m-micro); }
.page-mf .qp-card:hover { border-color: var(--accent); transform: translateY(-3px); }
.page-mf .qp-icon { font-size: 28px; margin-bottom: 6px; }
.page-mf .qp-label { font: 400 22px/1.2 var(--font-display); color: var(--ink); margin-bottom: 4px; }
.page-mf .qp-desc { font-size: 13px; color: var(--ink-muted); line-height: 1.45; }
.page-mf .q-num-lbl { font: 600 11px/1 var(--mono); color: var(--accent-text); letter-spacing: .1em; text-transform: uppercase; margin-bottom: 8px; }
.page-mf .q-text { font: 400 22px/1.3 var(--font-display); color: var(--ink); margin-bottom: var(--s4); }
.page-mf .opts { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s2); }
.page-mf .opt { width: 100%; text-align: left; padding: 12px 14px; background: var(--bg-elev); border: 1px solid var(--border); border-radius: var(--r); color: var(--ink); font: 500 14px/1.4 var(--font); cursor: pointer; transition: border-color var(--m-micro), background var(--m-micro); }
.page-mf .opt:hover { border-color: var(--accent); }
.page-mf .opt.sel { border-color: var(--accent); background: var(--tile-accent); color: var(--accent-text); font-weight: 600; }

/* Buttons */
.page-mf .btn-row { display: flex; gap: var(--s3); margin-top: var(--s5); flex-wrap: wrap; }
.page-mf .btn-row.center { justify-content: center; }
.page-mf .btn-ghost { background: transparent; color: var(--ink); border-color: var(--border); }
.page-mf .btn-ghost:hover { border-color: var(--accent); color: var(--accent-text); }
.page-mf .btn-sm { min-height: 38px; padding: 8px 16px; font-size: 13.5px; }

/* Step 6: loader */
.page-mf #step6.active { display: flex; align-items: center; justify-content: center; min-height: 70vh; }
.page-mf .loader-box { text-align: center; padding: var(--s6) var(--content-inset); }
.page-mf .spin-ring { position: relative; width: 104px; height: 104px; margin: 0 auto var(--s5); border-radius: 50%; border: 4px solid var(--border); border-top-color: var(--accent); animation: mf-spin 1.1s linear infinite; }
.page-mf .spin-inner { position: absolute; inset: 10px; border-radius: 50%; border: 3px solid transparent; border-top-color: var(--accent-border); animation: mf-spin 1.8s linear infinite reverse; }
.page-mf .spin-emoji { position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); font-size: 28px; }
@keyframes mf-spin { to { transform: rotate(360deg); } }
.page-mf .loader-title { font: 400 32px/1.1 var(--font-display); color: var(--ink); margin-bottom: 6px; }
.page-mf .loader-sub { color: var(--ink-muted); margin-bottom: var(--s5); }
.page-mf .load-steps { max-width: 300px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; text-align: left; }
.page-mf .load-step { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--ink-muted); }
.page-mf .load-step.done { color: var(--pos); }
.page-mf .load-step.cur { color: var(--accent-text); }
.page-mf .ls-dot { width: 8px; height: 8px; border-radius: 50%; background: currentColor; flex-shrink: 0; }
.page-mf .load-step.cur .ls-dot { animation: pulse .7s ease-in-out infinite; }

/* Step 7: results */
.page-mf .results-wrap { max-width: calc(1080px + 2 * var(--content-inset)); margin: 0 auto; padding: var(--s6) var(--content-inset) var(--s8); display: flex; flex-direction: column; gap: var(--s5); }
.page-mf .results-wrap > .back-link { align-self: flex-start; margin-bottom: 0; }
/* The goal banner is a photo, so it keeps a dark scrim and light text in both themes. */
.page-mf .res-goal-banner { position: relative; border-radius: var(--r); overflow: hidden; min-height: 160px; display: flex; align-items: flex-end; border: 1px solid var(--border); }
.page-mf .rgb-bg { position: absolute; inset: 0; background-size: cover; background-position: center; }
.page-mf .rgb-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(10,11,13,.9), rgba(10,11,13,.25)); }
.page-mf .rgb-text { position: relative; padding: var(--s5) var(--s6); color: #F4F6F8; }
.page-mf .rgb-text .emoji { font-size: 28px; }
.page-mf .rgb-text h2 { font-size: clamp(28px, 3vw, 40px); color: #F4F6F8; }
.page-mf .rgb-text .rgb-sub { color: rgba(244,246,248,.78); font-size: 14px; }
.page-mf .persona-pill { padding: var(--s4) var(--s5); border-left: 3px solid var(--accent); }
.page-mf .pp-name { font: 400 22px/1.2 var(--font-display); color: var(--accent-text); }
.page-mf .pp-desc { font-size: 14px; color: var(--ink-muted); line-height: 1.5; margin-top: 4px; }
.page-mf .primary-sip-box { background: var(--tile-accent); border-color: var(--accent-border); text-align: center; padding: var(--s7) var(--s6); }
.page-mf .psb-lbl { font: 500 12px/1 var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--accent-text); margin-bottom: var(--s3); }
.page-mf .psb-amt { font: 600 clamp(40px, 6vw, 60px)/1 var(--mono); color: var(--ink); margin-bottom: var(--s2); }
.page-mf .psb-sub { font-size: 14.5px; color: var(--ink-muted); }
.page-mf .psb-ret { font-size: 13px; color: var(--ink-muted); margin-top: 4px; }
.page-mf .summary-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: var(--s4); }
.page-mf .sc { padding: var(--s5); }
.page-mf .sc-lbl { font: 600 10.5px/1.3 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 8px; }
.page-mf .sc-val { font: 600 22px/1.15 var(--mono); color: var(--ink); }
.page-mf .sc-sub { font-size: 12.5px; color: var(--ink-muted); margin-top: 4px; }
.page-mf .section-title { font-size: 26px; line-height: 1.15; margin-bottom: var(--s4); }
.page-mf .scen-wrap { padding: 0; overflow: hidden; }
.page-mf .scen-wrap .section-title { padding: var(--s5) var(--s5) 0; }
.page-mf .scen-table, .page-mf .ptable { width: 100%; border-collapse: collapse; font-size: 14px; }
.page-mf .scen-table th, .page-mf .ptable th { background: var(--surface-2); color: var(--ink-muted); font: 600 10.5px/1.2 var(--mono); letter-spacing: .08em; text-transform: uppercase; padding: 11px 14px; text-align: left; border-bottom: 1px solid var(--border); white-space: nowrap; }
.page-mf .scen-table td, .page-mf .ptable td { padding: 12px 14px; border-top: 1px solid var(--border-soft); color: var(--ink); font-variant-numeric: tabular-nums; }
.page-mf .scen-table tr.hl td { background: var(--tile-accent); color: var(--accent-text); font-weight: 600; }
.page-mf .scen-table tr.hl td:first-child { box-shadow: inset 3px 0 0 var(--accent); }
.page-mf .badge-rec { display: inline-block; margin-left: 8px; vertical-align: middle; background: var(--accent); color: var(--accent-fg); font: 700 10px/1 var(--font); padding: 4px 6px; border-radius: var(--r-chip); }
.page-mf .chart-sub { color: var(--ink-muted); font-size: 14px; margin: -8px 0 var(--s5); }
.page-mf .sliders-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s5); margin-bottom: var(--s5); }
.page-mf .sl-group label { display: flex; justify-content: space-between; align-items: center; font: 600 11px/1.3 var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 8px; }
.page-mf .sl-group label span { font-size: 14px; letter-spacing: 0; color: var(--accent-text); }
.page-mf .sl-group input[type=range] { width: 100%; }
.page-mf .chart-h { position: relative; height: 320px; }
.page-mf .ptable-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--r); }
.page-mf .ptable { min-width: 700px; }
.page-mf .ptable tr:hover td { background: var(--surface-2); }
.page-mf .fund-cell { font-weight: 600; min-width: 180px; }
.page-mf .cat-pill { display: inline-block; padding: 4px 8px; border-radius: var(--r-chip); font: 600 11px/1 var(--font); }
.page-mf .c-lc   { background: color-mix(in srgb, var(--blue) 14%, transparent);   color: var(--blue); }
.page-mf .c-fc   { background: color-mix(in srgb, var(--violet) 14%, transparent); color: var(--violet); }
.page-mf .c-mc   { background: var(--accent-dim); color: var(--accent-text); }
.page-mf .c-sc   { background: var(--amber-dim); color: var(--amber); }
.page-mf .c-gold { background: var(--amber-dim); color: var(--amber); }
.page-mf .c-debt { background: var(--pos-dim); color: var(--pos); }
.page-mf .alloc-bar-wrap { display: inline-block; vertical-align: middle; width: 80px; height: 6px; margin-left: 8px; background: var(--surface-2); border-radius: 3px; overflow: hidden; }
.page-mf .alloc-bar { height: 100%; background: var(--accent); }
.page-mf .rebal-line { position: relative; padding-left: 28px; }
.page-mf .rebal-line::before { content: ""; position: absolute; left: 6px; top: 4px; bottom: 4px; width: 2px; background: var(--border); }
.page-mf .rebal-item { position: relative; margin-bottom: var(--s5); }
.page-mf .rebal-item:last-child { margin-bottom: 0; }
.page-mf .rebal-dot { position: absolute; left: -28px; top: 4px; width: 14px; height: 14px; border-radius: 50%; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 0 0 1px var(--accent); }
.page-mf .rebal-yr { font: 600 11px/1.2 var(--mono); color: var(--accent-text); letter-spacing: .1em; text-transform: uppercase; margin-bottom: 4px; }
.page-mf .rebal-action { font-size: 15px; font-weight: 600; color: var(--ink); margin-bottom: 2px; }
.page-mf .rebal-why { font-size: 13.5px; color: var(--ink-muted); line-height: 1.55; }
.page-mf .results-wrap .disclaimer { max-width: none; margin: 0; }
.page-mf .results-wrap .btn-row { margin-top: 0; }

@media (max-width: 760px) {
  .page-mf .goal-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .page-mf .goal-card .gc-img { height: 90px; }
  .page-mf .ret-expense-grid, .page-mf .expand-inner, .page-mf .opts, .page-mf .sliders-row { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════════════════════
   PAGE — Tools & Goals  (body.page-tools)
══════════════════════════════════════════════════════════ */
.page-tools .page-section-head.center .section-label { justify-content: center; }
.page-tools .page-section-head { margin-bottom: var(--s5); }

/* Downloadable tools */
.page-tools .tools-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s4); }
.page-tools .tool-card { position: relative; display: flex; flex-direction: column; transition: border-color var(--m-micro) var(--e-out), transform var(--m-micro) var(--e-out); }
.page-tools .tool-card:hover { border-color: var(--accent-border); transform: translateY(-4px); }
.page-tools .tool-tag { position: absolute; top: var(--s4); right: var(--s4); }
.page-tools .tool-icon, .page-tools .gb-icon { display: grid; place-items: center; width: 44px; height: 44px; border-radius: var(--r); background: var(--accent-dim); color: var(--accent-text); margin-bottom: var(--s4); flex: none; }
.page-tools .tool-icon svg, .page-tools .gb-icon svg { width: 22px; height: 22px; }
.page-tools .tool-card p { font-size: 14px; line-height: 1.65; flex: 1; margin-bottom: var(--s5); }
.page-tools .tool-dl-btn, .page-tools .gb-dl-link { align-self: flex-start; }
.page-tools .btn svg { width: 16px; height: 16px; }

/* Goal calculators */
.page-tools .goals-banner { display: flex; align-items: center; gap: var(--s5); margin: var(--s6) 0 var(--s4); }
.page-tools .goals-banner .gb-icon { margin: 0; }
.page-tools .gb-text { flex: 1; min-width: 0; }
.page-tools .gb-text h3 { margin-bottom: 4px; }
.page-tools .gb-text p { font-size: 14px; }
.page-tools .goal-tiles-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: var(--s4); }
.page-tools .goal-tile { padding: var(--s5); display: flex; flex-direction: column; gap: var(--s4); }
.page-tools .gt-header { display: flex; align-items: center; gap: var(--s3); }
.page-tools .gt-icon { display: grid; place-items: center; width: 34px; height: 34px; border-radius: var(--r); background: var(--accent-dim); color: var(--accent-text); flex: none; }
.page-tools .gt-icon svg { width: 18px; height: 18px; }
.page-tools .gt-name { font: 400 22px/1.1 var(--font-display); color: var(--ink); }
.page-tools .gt-inp-row { display: flex; flex-direction: column; gap: 6px; }
.page-tools .gt-inp-row label { font: 600 10.5px/1.3 var(--mono); text-transform: uppercase; letter-spacing: .06em; color: var(--ink-muted); }
.page-tools .gt-inp-row label span { color: var(--accent-text); }
.page-tools .gt-number { width: 100%; font-family: var(--mono); }
.page-tools .gt-slider { width: 100%; }
.page-tools .gt-result { margin-top: auto; border-top: 1px solid var(--border); padding-top: var(--s3); display: flex; flex-direction: column; gap: 6px; }
.page-tools .gt-result-row { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s2); font-size: 12.5px; color: var(--ink-muted); }
.page-tools .gt-result-row strong { font: 600 14px/1.2 var(--mono); color: var(--ink); white-space: nowrap; }
.page-tools .gt-result-row strong.gt-sip { color: var(--accent-text); font-size: 16px; }

/* Step-up SIP · Lump Sum · EMI */
.page-tools .calc-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s4); }
.page-tools .calc-card { display: flex; flex-direction: column; }
.page-tools .calc-form { display: flex; flex-direction: column; gap: var(--s4); flex: 1; }
.page-tools .form-group { display: flex; flex-direction: column; gap: 6px; }
.page-tools .form-group label { font-size: 13.5px; color: var(--ink-muted); }
.page-tools .form-group label strong { font: 600 13.5px/1 var(--mono); color: var(--ink); }
.page-tools .form-group input[type=range] { width: 100%; }
.page-tools .calc-result { margin-top: auto; background: var(--tile-accent); border: 1px solid var(--accent-border); border-radius: var(--r); padding: var(--s4); }
.page-tools .res-label { font: 600 10.5px/1.2 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); }
.page-tools .res-value { font: 600 28px/1.2 var(--mono); color: var(--accent-text); margin: 6px 0 4px; }
.page-tools .res-sub { font-size: 12.5px; color: var(--ink-muted); }

/* Buy vs Rent */
.page-tools .bvr-grid { display: grid; grid-template-columns: 400px minmax(0, 1fr); gap: var(--s4); align-items: start; }
.page-tools .bvr-toggle { display: flex; gap: var(--s2); margin-bottom: var(--s5); }
.page-tools .bvr-toggle .tab-btn { flex: 1; }
.page-tools .bvr-verdict { border-radius: var(--r); padding: var(--s4) var(--s5); font-size: 15px; line-height: 1.5; color: var(--ink); margin-bottom: var(--s4); background: var(--tile-accent); border: 1px solid var(--accent-border); }
.page-tools .bvr-verdict strong { color: var(--accent-text); }
.page-tools .bvr-chart-wrap { height: 300px; position: relative; }
.page-tools .bvr-note { font-size: 13px; color: var(--ink-muted); margin-top: var(--s2); text-align: center; }
.page-tools .bvr-stats { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s2); margin-top: var(--s4); }
.page-tools .bvr-stat { background: var(--surface-2); border: 1px solid var(--border); border-radius: var(--r); padding: var(--s3); min-width: 0; }
.page-tools .bvr-stat .lbl { font: 600 10px/1.3 var(--mono); text-transform: uppercase; letter-spacing: .06em; color: var(--ink-muted); margin-bottom: 4px; }
.page-tools .bvr-stat .val { font: 600 15px/1.2 var(--mono); color: var(--accent-text); }
.page-tools .bvr-disc { font-size: 12px; color: var(--ink-muted); margin-top: var(--s4); }

@media (max-width: 1200px) {
  .page-tools .goal-tiles-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .page-tools .tools-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 960px) {
  .page-tools .calc-grid, .page-tools .bvr-grid { grid-template-columns: minmax(0, 1fr); }
  .page-tools .bvr-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .page-tools .goal-tiles-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  .page-tools .tools-grid, .page-tools .goal-tiles-grid { grid-template-columns: minmax(0, 1fr); }
  .page-tools .goals-banner { flex-direction: column; align-items: flex-start; }
  .page-tools .res-value { font-size: 24px; }
}

/* ══════════════════════════════════════════════════════════
   PAGE — Learn  (body.page-learn) — tabbed guides
══════════════════════════════════════════════════════════ */
.page-learn .learn-section { scroll-margin-top: 140px; }
.page-learn .learn-panel { display: none; }
.page-learn .learn-panel.active { display: block; }
.page-learn .accordion { border-bottom: 1px solid var(--border); }
.page-learn .learn-panel > .accordion:first-child { border-top: 1px solid var(--border); }
.page-learn .accordion-hdr {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: var(--s4);
  padding: var(--s4) var(--s2); background: none; border: 0; cursor: pointer; text-align: left;
  font: 400 22px/1.25 var(--font-display); color: var(--ink); transition: color var(--m-micro);
}
.page-learn .accordion-hdr:hover, .page-learn .accordion-hdr.open { color: var(--accent-text); }
.page-learn .acc-icon {
  flex: none; display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%;
  border: 1px solid var(--border); font: 400 18px/1 var(--mono); color: var(--accent-text); transition: transform var(--m-micro) var(--e-out), border-color var(--m-micro);
}
.page-learn .accordion-hdr.open .acc-icon { transform: rotate(45deg); border-color: var(--accent); }
.page-learn .accordion-body { display: none; padding: 0 var(--s2) var(--s5); color: var(--ink-muted); font-size: 15px; line-height: 1.75; max-width: 80ch; }
.page-learn .accordion-body.open { display: block; }
.page-learn .accordion-body strong { color: var(--ink); }
.page-learn .source-badge { display: table; margin-top: var(--s4); text-transform: none; letter-spacing: .02em; font-family: var(--mono); }

/* Rates */
.page-learn .rate-stats { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s4); margin-bottom: var(--s6); }
.page-learn .rate-chip { padding: var(--s5); }
.page-learn .rate-chip-label { font: 600 10.5px/1.2 var(--mono); text-transform: uppercase; letter-spacing: .08em; color: var(--ink-muted); }
.page-learn .rate-chip-value { font: 600 34px/1.2 var(--mono); color: var(--accent-text); margin: var(--s2) 0 4px; }
.page-learn .rate-chip-sub { font-size: 13px; color: var(--ink-muted); }
.page-learn .rates-title { margin-bottom: var(--s4); }
.page-learn .rates-title span { font: 500 13px/1 var(--mono); color: var(--ink-muted); }
.page-learn .rates-table td:first-child, .page-learn .rates-table th:first-child { text-align: left; }
.page-learn .rates-note { font-size: 13px; color: var(--ink-muted); margin-top: var(--s3); line-height: 1.6; }

@media (max-width: 640px) {
  .page-learn .rate-stats { grid-template-columns: minmax(0, 1fr); }
  .page-learn .accordion-hdr { font-size: 19px; }
  .page-learn .rates-table td { white-space: normal; }
}