/* ===========================================================
   FreeCalculator4U — shared design system
   Light theme, mobile-first, tool-first layout
   =========================================================== */

:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --border:#e4e9f2;
  --border-strong:#d6dcea;
  --text:#101828;
  --dim:#5b6577;
  --subdim:#8a93a6;
  --primary:#2563eb;
  --primary-dark:#1d4ed8;
  --primary-light:#eaf1ff;
  --accent:#0d9488;
  --accent-light:#e6f7f5;
  --success:#059669;
  --success-light:#e7f8f1;
  --danger:#dc2626;
  --danger-light:#fdecec;
  --warning:#b45309;
  --warning-light:#fef3e2;
  --math:#7c3aed;
  --math-light:#f1e9fe;
  --convert:#db2777;
  --convert-light:#fce7f3;
  --radius:12px;
  --radius-sm:8px;
  --shadow:0 1px 2px rgba(16,24,40,.05);
  --shadow-md:0 2px 8px rgba(16,24,40,.08);
  --maxw:1120px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  display:flex;flex-direction:column;min-height:100vh;
}
#main{flex:1 0 auto}
img{max-width:100%;display:block}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
ul{list-style:none}
button{font-family:inherit}

.container{max-width:var(--maxw);margin:0 auto;padding:0 18px}

/* ---------- Skip link ---------- */
.skip-link{
  position:absolute;left:-999px;top:0;background:var(--primary);color:#fff;
  padding:10px 16px;border-radius:0 0 8px 0;z-index:1000;
}
.skip-link:focus{left:0}

/* ---------- Header ---------- */
.site-header{
  background:#0f1830;
  box-shadow:0 2px 14px rgba(15,24,48,.28);
  position:sticky;top:0;z-index:500;
}
.header-inner{
  max-width:var(--maxw);margin:0 auto;padding:12px 18px;
  display:flex;align-items:center;gap:18px;
}
.logo{
  display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;color:var(--text);
  letter-spacing:-.3px;flex-shrink:0;
}
.logo-mark{
  width:30px;height:30px;border-radius:8px;
  background:var(--primary);
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:15px;
  flex-shrink:0;
}
.logo-text{white-space:nowrap}
.logo span.brand-free{color:var(--primary)}
.logo span.brand-calc{color:var(--text)}
.logo span.brand-4u{color:var(--accent)}
.logo span.brand-tld{color:var(--subdim);font-weight:600}

/* header sits on a colored gradient, so the wordmark and icon badge get light-on-color treatment */
.site-header .logo-mark{background:#fff;color:var(--primary)}
.site-header .logo .brand-free{color:#fff}
.site-header .logo .brand-calc{color:#fff}
.site-header .logo .brand-4u{color:#99f6e4}
.site-header .logo .brand-tld{color:rgba(255,255,255,.65)}
.site-header .nav-toggle{border-color:rgba(255,255,255,.4);color:#fff}

.main-nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.main-nav ul{display:flex;align-items:center;gap:2px}
.main-nav a{
  color:var(--dim);font-weight:600;font-size:14.5px;padding:9px 13px;border-radius:9px;
}
.main-nav a:hover{background:var(--primary-light);color:var(--primary);text-decoration:none}
.nav-toggle{
  display:none;background:none;border:1px solid var(--border);border-radius:9px;
  width:42px;height:42px;align-items:center;justify-content:center;cursor:pointer;color:var(--text);
  margin-left:auto;
}
.nav-toggle svg{width:22px;height:22px}

/* ---------- Nav category dropdowns ---------- */
.nav-drop{position:relative}
.nav-drop-btn{
  display:flex;align-items:center;gap:5px;background:none;border:none;cursor:pointer;
  color:var(--dim);font-weight:600;font-size:14.5px;padding:9px 13px;border-radius:9px;font-family:inherit;
}
.nav-drop-btn:hover{background:var(--primary-light);color:var(--primary)}
.nav-drop-btn .caret{width:9px;height:9px;transition:transform .15s;flex-shrink:0}
.nav-drop.open .nav-drop-btn .caret{transform:rotate(180deg)}
.nav-drop-menu{display:none;flex-direction:column}
.nav-drop.open .nav-drop-menu{display:flex}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs{padding:14px 0 0;font-size:13px;color:var(--subdim)}
.breadcrumbs a{color:var(--subdim);font-weight:500}
.breadcrumbs a:hover{color:var(--primary)}
.breadcrumbs .sep{margin:0 6px}

/* ---------- Page head (compact — tool must be visible first) ---------- */
.page-head{padding:10px 0 16px}
.page-head h1{font-size:26px;font-weight:800;letter-spacing:-.4px;margin-bottom:6px}
.page-head p{color:var(--dim);font-size:15px;max-width:70ch}

.hero{padding:22px 0 20px;text-align:center}
.hero h1{font-size:25px;font-weight:800;letter-spacing:-.4px;margin-bottom:8px}
.hero p{color:var(--dim);font-size:15px;max-width:56ch;margin:0 auto}

/* ---------- Search box (homepage) ---------- */
.search-box{max-width:520px;margin:20px auto 0;position:relative}
.search-box input[type=text]{
  width:100%;padding:14px 16px 14px 44px;border:1.5px solid var(--border-strong);
  border-radius:14px;font-size:15.5px;background:#fff;color:var(--text);outline:none;
  box-shadow:var(--shadow);
}
.search-box input:focus{border-color:var(--primary)}
.search-box svg{position:absolute;left:15px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:var(--subdim);pointer-events:none}
.search-empty{display:none;text-align:center;color:var(--subdim);padding:24px 0;font-size:14px}

/* ---------- Section titles ---------- */
.section-title{display:flex;align-items:baseline;justify-content:space-between;margin:34px 0 14px}
.section-title h2{font-size:20px;font-weight:800;letter-spacing:-.3px}
.section-title a{font-size:13.5px;font-weight:600}

/* ---------- Homepage calculator widget ---------- */
.calc-widget{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);overflow:hidden;max-width:480px;margin:18px auto 0;
}
.calc-modes{display:flex;border-bottom:1px solid var(--border)}
.calc-mode-btn{
  flex:1;padding:12px 8px;border:none;background:none;font-weight:700;font-size:13px;
  color:var(--subdim);cursor:pointer;font-family:inherit;border-bottom:2px solid transparent;
}
.calc-mode-btn.on{color:var(--primary);border-bottom-color:var(--primary)}

.calc-screen{padding:18px 16px 12px;text-align:right;background:#f8f9fc}
.calc-screen .prev{font-size:12.5px;color:var(--subdim);min-height:16px;overflow-wrap:break-word;word-break:break-all;font-family:ui-monospace,Consolas,monospace}
.calc-screen .main{font-size:32px;font-weight:700;color:var(--text);letter-spacing:-.5px;overflow-wrap:break-word;word-break:break-all;font-family:ui-monospace,Consolas,monospace;line-height:1.2}

.calc-pad{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border)}
.calc-key{
  background:#fff;border:none;padding:15px 0;font-size:16px;font-weight:600;color:var(--text);
  cursor:pointer;font-family:inherit;transition:background .1s;
}
.calc-key:active{background:#eef1f6}
.calc-key.op{background:var(--primary-light);color:var(--primary-dark);font-weight:700}
.calc-key.op:active{background:#dbe7ff}
.calc-key.fn{background:#f4f6fa;color:var(--dim);font-weight:700}
.calc-key.eq{background:var(--primary);color:#fff;font-weight:700}
.calc-key.eq:active{background:var(--primary-dark)}
.calc-key.wide{grid-column:span 2}
.calc-key:disabled{opacity:.25;cursor:not-allowed}
.calc-pad.cols8{grid-template-columns:repeat(8,1fr)}
.calc-pad.cols8 .calc-key{padding:12px 0;font-size:12.5px}

.calc-radix-tabs{display:flex;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.calc-radix-tab{flex:1;padding:8px 0;border:none;background:#fff;font-size:12px;font-weight:700;color:var(--subdim);cursor:pointer;font-family:inherit}
.calc-radix-tab.on{color:var(--primary);background:var(--primary-light)}

.calc-radix-rows{padding:8px 16px;background:#f8f9fc}
.calc-radix-rows.cols2{display:grid;grid-template-columns:1fr 1fr;gap:2px 18px}
.calc-radix-row{display:flex;justify-content:space-between;gap:8px;padding:3px 0;font-size:12px;color:var(--subdim);font-family:ui-monospace,Consolas,monospace}
.calc-radix-row .rlabel{color:var(--subdim);font-weight:700;width:32px;flex-shrink:0}
.calc-radix-row .rval{color:var(--text);overflow-wrap:break-word;word-break:break-all;text-align:right;flex:1}
.calc-radix-row.active .rlabel,.calc-radix-row.active .rval{color:var(--primary-dark)}

/* ---------- Category sub-menu (homepage) ---------- */
.cat-menu{display:flex;flex-direction:column;gap:0;border:1px solid var(--border);border-radius:var(--radius);background:var(--card);box-shadow:var(--shadow);overflow:hidden}
.cat-menu-group{padding:16px 20px;border-top:1px solid var(--border)}
.cat-menu-group:first-child{border-top:none}
.cat-menu-title{
  display:inline-flex;align-items:center;gap:6px;font-size:15px;font-weight:800;color:var(--text);
  margin-bottom:10px;
}
.cat-menu-title:hover{color:var(--primary);text-decoration:none}
.cat-menu-title .arrow{color:var(--primary);font-weight:700}
.cat-menu-links{display:flex;flex-wrap:wrap;gap:8px}
.cat-menu-links a{
  font-size:13px;font-weight:600;color:var(--dim);background:#f4f6fa;border:1px solid var(--border);
  padding:7px 12px;border-radius:99px;
}
.cat-menu-links a:hover{background:var(--primary-light);color:var(--primary-dark);border-color:var(--primary-light);text-decoration:none}

/* ---------- Category grid (category index pages) ---------- */
.cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:8px}
.cat-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:20px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;
}
.cat-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);text-decoration:none}
.cat-icon{
  width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  font-size:22px;margin-bottom:12px;
}
.cat-card.c-finance .cat-icon{background:var(--primary-light);color:var(--primary)}
.cat-card.c-date .cat-icon{background:var(--accent-light);color:var(--accent)}
.cat-card.c-tools .cat-icon{background:var(--warning-light);color:var(--warning)}
.cat-card.c-health .cat-icon{background:var(--success-light);color:var(--success)}
.cat-card.c-math .cat-icon{background:var(--math-light);color:var(--math)}
.cat-card.c-convert .cat-icon{background:var(--convert-light);color:var(--convert)}
.cat-card h3{font-size:16.5px;font-weight:700;color:var(--text);margin-bottom:4px}
.cat-card p{font-size:13px;color:var(--subdim)}

/* ---------- Tool grid ---------- */
.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tool-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);
  padding:16px;display:flex;gap:12px;align-items:flex-start;box-shadow:var(--shadow);
  transition:transform .15s,box-shadow .15s;
}
.tool-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);text-decoration:none}
.tool-emoji{
  width:38px;height:38px;border-radius:10px;background:var(--primary-light);
  display:flex;align-items:center;justify-content:center;font-size:19px;flex-shrink:0;
}
.tool-card h3{font-size:14.5px;font-weight:700;color:var(--text);margin-bottom:2px}
.tool-card p{font-size:12.5px;color:var(--subdim);line-height:1.4}
.tool-card .badge{
  display:inline-block;margin-top:6px;font-size:10.5px;font-weight:700;color:var(--accent);
  background:var(--accent-light);padding:2px 8px;border-radius:99px;
}

/* ---------- Tool page layout ---------- */
.tool-layout{display:grid;grid-template-columns:1fr;gap:14px;padding-bottom:32px}

.calc-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:16px;box-shadow:var(--shadow);
}
.calc-card + .calc-card{margin-top:12px}
.calc-card h2.ct{
  font-size:10.5px;font-weight:800;color:var(--subdim);text-transform:uppercase;
  letter-spacing:.6px;margin-bottom:10px;
}

.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.field{display:flex;flex-direction:column;gap:4px;margin-bottom:10px}
.field.full{grid-column:1/-1}
.field label{font-size:12.5px;font-weight:600;color:var(--dim)}
.field label .opt{font-weight:500;color:var(--subdim);font-size:11px}
.field .hint{font-size:11px;color:var(--subdim)}
.input-wrap{position:relative}
.input-wrap .prefix,.input-wrap .suffix{
  position:absolute;top:50%;transform:translateY(-50%);color:var(--subdim);font-weight:600;font-size:14px;
  pointer-events:none;
}
.input-wrap .prefix{left:12px}
.input-wrap .suffix{right:12px}
.input-wrap input.has-prefix{padding-left:28px}
.input-wrap input.has-suffix{padding-right:36px}

/* number input + %/$ unit select, side by side */
.field-unit{display:flex;gap:6px}
.field-unit input{flex:1;min-width:0}
.field-unit select{width:60px;flex-shrink:0;padding:10px 4px;text-align:center;background-position:right 5px center;padding-right:16px}

input[type=text],input[type=number],input[type=date],select{
  width:100%;padding:10px 12px;border:1px solid var(--border-strong);border-radius:8px;
  background:#fbfcfe;color:var(--text);font-size:15px;font-weight:500;outline:none;
  min-height:40px;transition:border-color .15s,background .15s;-webkit-appearance:none;appearance:none;
}
input:focus,select:focus{border-color:var(--primary);background:#fff}
select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235b6577' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 12px center;padding-right:30px;cursor:pointer;
}
input[type=date]{color-scheme:light}

.toggle-row{
  display:flex;align-items:center;justify-content:space-between;gap:10px;
  padding:9px 0;border-top:1px solid var(--border);
}
.toggle-row:first-of-type{border-top:none;margin-top:0}
.toggle-row .tlabel{font-size:13px;font-weight:600;color:var(--text)}
.toggle-row .tlabel .opt{display:block;font-weight:500;color:var(--subdim);font-size:11px;margin-top:1px}
.switch{position:relative;width:36px;height:21px;flex-shrink:0}
.switch input{opacity:0;width:0;height:0;position:absolute}
.slider{
  position:absolute;inset:0;background:#d7dce6;border-radius:99px;cursor:pointer;transition:.2s;
}
.slider::before{
  content:"";position:absolute;width:15px;height:15px;left:3px;top:3px;background:#fff;border-radius:50%;
  transition:.2s;
}
.switch input:checked+.slider{background:var(--primary)}
.switch input:checked+.slider::before{transform:translateX(15px)}
.optional-fields{display:none;padding-top:2px}
.optional-fields.on{display:block}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  border:none;border-radius:8px;font-weight:700;font-size:14.5px;cursor:pointer;
  padding:11px 18px;transition:background .15s,transform .1s;min-height:42px;
}
.btn:active{transform:scale(.985)}
.btn-primary{background:var(--primary);color:#fff}
.btn-primary:hover{background:var(--primary-dark)}
.btn-block{width:100%}
.btn-ghost{background:var(--primary-light);color:var(--primary-dark)}
.btn-row{display:flex;gap:8px;margin-top:2px}

/* ---------- Results ---------- */
.result-card{
  border-radius:var(--radius);padding:16px;background:var(--card);
  border:1px solid var(--border);margin-top:12px;
}
.result-headline{text-align:left;padding-bottom:10px;border-bottom:1px solid var(--border);margin-bottom:8px}
.result-headline .amount{font-size:26px;font-weight:800;color:var(--primary-dark);letter-spacing:-.4px;line-height:1.2}
.result-headline .label{font-size:11px;color:var(--subdim);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-top:2px}
.result-rows .rrow{
  display:flex;justify-content:space-between;align-items:center;padding:6px 0;
  border-bottom:1px solid var(--border);font-size:13px;
}
.result-rows .rrow:last-child{border-bottom:none}
.result-rows .rrow .k{color:var(--dim)}
.result-rows .rrow .v{font-weight:700;color:var(--text)}
.result-rows .rrow .v.pos{color:var(--success)}
.result-rows .rrow .v.neg{color:var(--danger)}
.result-placeholder{text-align:center;color:var(--subdim);font-size:13.5px;padding:26px 10px}

/* colored headline bar, bleeds to card edges */
.result-topbar{
  background:var(--primary);color:#fff;border-radius:var(--radius) var(--radius) 0 0;
  padding:12px 16px;margin:-16px -16px 12px;display:flex;align-items:baseline;justify-content:space-between;gap:8px;
}
.result-topbar .lbl{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;opacity:.9}
.result-topbar .amt{font-size:22px;font-weight:800;letter-spacing:-.3px}

/* monthly/total payment breakdown table */
table.pay{width:100%;border-collapse:collapse;font-size:12.5px;margin-bottom:4px}
table.pay th{text-align:right;padding:5px 4px;font-size:10px;color:var(--subdim);text-transform:uppercase;letter-spacing:.3px;font-weight:700;border-bottom:1px solid var(--border)}
table.pay th:first-child{text-align:left}
table.pay td{padding:6px 4px;text-align:right;border-bottom:1px solid var(--border)}
table.pay td:first-child{text-align:left;color:var(--dim)}
table.pay tr.total td{font-weight:800;color:var(--text);border-top:1.5px solid var(--border-strong);border-bottom:none;padding-top:8px}

/* donut chart + legend */
.donut-wrap{display:flex;align-items:center;gap:14px;padding:10px 0 12px;flex-wrap:wrap;border-top:1px solid var(--border);margin-top:8px}
.donut-wrap svg{flex-shrink:0}
.legend{display:flex;flex-direction:column;gap:5px;flex:1;min-width:130px}
.legend.legend-row{flex-direction:row;flex-wrap:wrap;gap:8px 14px}
.legend-item{display:flex;align-items:center;gap:6px;font-size:11.5px;color:var(--dim)}
.legend-item .dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.legend-item .pct{margin-left:auto;font-weight:700;color:var(--text)}

/* BMI gauge */
.bmi-gauge{
  position:relative;height:10px;border-radius:99px;margin:14px 0 10px;
  background:linear-gradient(to right,
    #0d9488 0%, #0d9488 14%,
    #059669 14%, #059669 40%,
    #b45309 40%, #b45309 60%,
    #dc2626 60%, #dc2626 100%);
}
.bmi-marker{
  position:absolute;top:-4px;width:3px;height:18px;background:var(--text);border-radius:2px;
  transform:translateX(-1.5px);transition:left .2s;
}

.result-actions{display:flex;gap:8px;margin-top:12px}
.result-actions .btn{flex:1;font-size:12.5px;padding:9px 6px;min-height:36px}

/* amortization table */
.amort-wrap{overflow-x:auto;margin-top:12px;border-radius:8px;border:1px solid var(--border)}
table.amort{width:100%;border-collapse:collapse;font-size:12.5px;min-width:520px}
table.amort th{
  background:#f8f9fc;text-align:right;padding:8px 10px;font-weight:700;color:var(--dim);
  font-size:11px;text-transform:uppercase;letter-spacing:.4px;position:sticky;top:0;
}
table.amort th:first-child,table.amort td:first-child{text-align:left}
table.amort td{padding:7px 10px;text-align:right;border-top:1px solid var(--border);color:var(--text)}
table.amort tbody tr:nth-child(even){background:#fafbfd}

/* ---------- Info / SEO content section ---------- */
.info-section{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px;box-shadow:var(--shadow);
}
.info-section h2{font-size:17px;font-weight:800;margin-bottom:8px;letter-spacing:-.2px}
.info-section h3{font-size:14.5px;font-weight:700;margin:14px 0 5px}
.info-section p{color:var(--dim);font-size:14px;margin-bottom:9px}
.info-section ul,.info-section ol{margin:0 0 9px 20px;color:var(--dim);font-size:14px}
.info-section ul{list-style:disc}
.info-section ol{list-style:decimal}
.info-section li{margin-bottom:4px}

.faq-item{border-top:1px solid var(--border);padding:11px 0}
.faq-item:first-of-type{border-top:none}
.faq-q{
  display:flex;justify-content:space-between;align-items:center;gap:10px;cursor:pointer;
  font-weight:700;font-size:14px;color:var(--text);
}
.faq-q .plus{font-size:18px;color:var(--primary);transition:transform .2s;flex-shrink:0}
.faq-item.open .faq-q .plus{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a p{padding-top:8px;margin-bottom:0}
.faq-item.open .faq-a{max-height:400px}

/* ---------- Related tools ---------- */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}

/* ---------- Sidebar link list (compact, no cards/icons) ---------- */
.side-links{display:flex;flex-direction:column}
.side-links li{border-bottom:1px solid var(--border)}
.side-links li:last-child{border-bottom:none}
.side-links a{display:block;padding:8px 1px;font-size:13px;font-weight:600;color:var(--primary)}
.side-links a:hover{color:var(--primary-dark);text-decoration:underline}

/* ---------- Ad slot ---------- */
.ad-slot{
  min-height:0;margin:20px 0;text-align:center;
}
.ad-slot:empty{display:none}

/* ---------- ASCII table ---------- */
.ascii-controls{display:flex;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.ascii-controls select,.ascii-controls input{width:auto;flex:1;min-width:160px}
table.ascii-table{width:100%;border-collapse:collapse;font-size:13.5px}
table.ascii-table th{
  background:#f8f9fc;padding:9px 10px;text-align:left;font-weight:700;color:var(--dim);
  font-size:11px;text-transform:uppercase;letter-spacing:.4px;border-bottom:2px solid var(--border);
}
table.ascii-table td{padding:8px 10px;border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums}
table.ascii-table td.char{font-size:16px;font-weight:700;color:var(--primary-dark);font-family:ui-monospace,Consolas,monospace}
table.ascii-table tbody tr:hover{background:var(--primary-light)}
table.ascii-table tbody tr.hidden{display:none}

/* ---------- Legal pages ---------- */
.legal-content{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.legal-content h2{font-size:18px;font-weight:800;margin:20px 0 8px}
.legal-content h2:first-child{margin-top:0}
.legal-content p,.legal-content li{color:var(--dim);font-size:14.5px;margin-bottom:10px}
.legal-content ul{margin-left:20px;list-style:disc}
.legal-content .updated{color:var(--subdim);font-size:13px;margin-bottom:18px}

/* ---------- Footer ---------- */
.site-footer{background:#0f1830;color:#c7cede;margin-top:50px}
.footer-inner{max-width:var(--maxw);margin:0 auto;padding:40px 18px 20px;display:grid;grid-template-columns:1.2fr 2.4fr;gap:24px}
.footer-links{display:grid;grid-template-columns:repeat(7,1fr);gap:24px 12px}
.footer-brand .logo{color:#fff}
.footer-brand .logo .brand-calc{color:#fff}
.footer-brand .logo .brand-4u{color:#5eead4}
.footer-brand p{font-size:13px;color:#8b93ac;margin-top:10px;max-width:34ch}
.footer-col{min-width:0}
.footer-col h4{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:#8b93ac;margin-bottom:12px;white-space:nowrap}
.footer-col ul li{margin-bottom:9px}
.footer-col a{color:#c7cede;font-size:13.5px;display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.footer-col a:hover{color:#fff}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.08);padding:16px 18px;text-align:center;
  font-size:12.5px;color:#6b7390;max-width:var(--maxw);margin:0 auto;
}
.footer-bottom .disc{max-width:70ch;margin:0 auto 8px;line-height:1.6}

/* ---------- Utility ---------- */
.mt-0{margin-top:0}
.text-center{text-align:center}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

/* ---------- Print (used by "Print" / "Save as PDF" buttons) ---------- */
@media print{
  .no-print{display:none!important}
  body{background:#fff}
  .container{max-width:100%}
  .tool-layout{grid-template-columns:1fr!important}
  .print-card{border:1px solid #ccc;box-shadow:none}
  .result-topbar{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}

/* ===========================================================
   Responsive
   =========================================================== */
@media (min-width:760px){
  .tool-layout{grid-template-columns:1.15fr .85fr;align-items:start}
  .tool-layout .col-main{grid-column:1}
  .tool-layout .col-side{grid-column:2}
  .tool-layout.cols3 .col-related{grid-column:1/-1}

  .nav-drop-menu{
    position:absolute;top:calc(100% + 6px);left:0;background:#fff;border:1px solid var(--border);
    border-radius:10px;box-shadow:var(--shadow-md);padding:6px;z-index:600;min-width:200px;
  }
  .nav-drop-menu a{padding:9px 10px;border-radius:7px;font-size:13.5px;font-weight:600;color:var(--text)}
  .nav-drop-menu a:hover{background:var(--primary-light);color:var(--primary-dark);text-decoration:none}
  .nav-drop-menu a.nav-drop-all{border-top:1px solid var(--border);margin-top:4px;padding-top:9px;color:var(--primary);font-size:12px}

  .site-header .main-nav > ul > li > a{color:rgba(255,255,255,.88)}
  .site-header .main-nav > ul > li > a:hover{background:rgba(255,255,255,.16);color:#fff}
  .site-header .nav-drop-btn{color:rgba(255,255,255,.88)}
  .site-header .nav-drop-btn:hover{background:rgba(255,255,255,.16);color:#fff}

  .nowrap-lg{white-space:nowrap}
}

@media (max-width:759px){
  .main-nav{
    display:none;position:fixed;top:63px;left:0;right:0;bottom:0;background:#fff;z-index:400;
    padding:10px 18px;overflow-y:auto;
  }
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:2px}
  .main-nav a{display:block;padding:13px 10px;font-size:16px;border-bottom:1px solid var(--border)}
  .nav-toggle{display:flex}

  .main-nav .nav-drop-btn{width:100%;justify-content:space-between;padding:13px 10px;font-size:16px;border-bottom:1px solid var(--border)}
  .main-nav .nav-drop-menu{padding:0 0 0 14px;background:#fbfcfe}
  .main-nav .nav-drop-menu a{padding:12px 10px;font-size:15px;border-bottom:1px solid var(--border)}
  .main-nav .nav-drop-menu a.nav-drop-all{color:var(--primary);font-weight:700}

  .hero{padding:24px 0 18px}
  .hero h1{font-size:25px}
  .hero p{font-size:14.5px}

  .cat-grid{grid-template-columns:1fr}
  .tool-grid{grid-template-columns:1fr}
  .related-grid{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr;gap:22px}
  .footer-links{grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:22px 16px}
  .result-headline .amount{font-size:28px}
  .page-head h1{font-size:22px}
}

@media (min-width:760px) and (max-width:980px){
  .cat-grid{grid-template-columns:repeat(3,1fr)}
  .tool-grid{grid-template-columns:repeat(2,1fr)}
  .related-grid{grid-template-columns:repeat(2,1fr)}
}

@media (min-width:980px){
  .tool-layout.cols3{grid-template-columns:1fr 1.05fr .6fr}
  .tool-layout.cols3 .col-main{grid-column:1}
  .tool-layout.cols3 .col-side{grid-column:2}
  .tool-layout.cols3 .col-related{grid-column:3;grid-row:1}
  .tool-layout.cols3 .col-related .side-links a{font-size:12.5px}
}