/* ============================================================
   EveryRupee — planner.css
   Shared styles for planner.html & education.html
   Design: Premium Fintech Minimalism
   Palette: Forest Green · Antique Gold · Warm Cream
   ============================================================ */

/* ── Google Fonts ─────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,600&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,300&display=swap');

/* ── Design Tokens ────────────────────────────────────────── */
:root {
  --green-900: #0d2b1e;
  --green-800: #163d2b;
  --green-700: #1e5238;
  --green-600: #276645;
  --green-500: #2d7a52;
  --green-400: #3d9668;
  --green-300: #6ab891;
  --green-100: #d4ede0;
  --green-50:  #edf7f2;

  --gold-700: #7a5c0d;
  --gold-600: #9b7519;
  --gold-500: #c49a2b;
  --gold-400: #d4a93c;
  --gold-300: #e8c86a;
  --gold-100: #f9edca;
  --gold-50:  #fdf8ec;

  --cream-100: #faf6f0;
  --cream-200: #f4ede0;
  --cream-300: #ece1cc;

  --text-primary:   #0d2b1e;
  --text-secondary: #3a5a48;
  --text-muted:     #7a9b88;
  --text-inverse:   #faf6f0;

  --surface-base:   #faf6f0;
  --surface-card:   #ffffff;
  --surface-dark:   #0d2b1e;

  --border-light: rgba(13,43,30,0.10);
  --border-mid:   rgba(13,43,30,0.18);

  --shadow-sm: 0 2px 8px rgba(13,43,30,0.07);
  --shadow-md: 0 6px 24px rgba(13,43,30,0.10);
  --shadow-lg: 0 16px 48px rgba(13,43,30,0.14);
  --shadow-gold: 0 4px 20px rgba(196,154,43,0.25);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-xl: 36px;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;

  --transition-fast:   150ms cubic-bezier(0.4,0,0.2,1);
  --transition-base:   280ms cubic-bezier(0.4,0,0.2,1);
  --transition-slow:   480ms cubic-bezier(0.4,0,0.2,1);
  --transition-spring: 360ms cubic-bezier(0.34,1.56,0.64,1);
}

/* ── Reset ────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: var(--font-body);
  background-color: var(--surface-base);
  color: var(--text-primary);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  min-height: 100vh;
}

/* ── Nav ──────────────────────────────────────────────────── */
.er-nav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 100;
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 48px;
  background: rgba(250,246,240,0.88);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow var(--transition-base);
}
.er-nav.scrolled { box-shadow: var(--shadow-md); }

.er-nav__logo {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--green-800);
  text-decoration: none;
  letter-spacing: -0.02em;
}
.er-nav__logo span { color: var(--gold-500); }

.er-nav__links {
  display: flex; gap: 36px; align-items: center;
  list-style: none;
}
.er-nav__links a {
  font-size: 0.9rem; font-weight: 500;
  color: var(--text-secondary);
  text-decoration: none;
  letter-spacing: 0.01em;
  transition: color var(--transition-fast);
  position: relative;
}
.er-nav__links a::after {
  content: '';
  position: absolute; bottom: -3px; left: 0; right: 100%;
  height: 1.5px;
  background: var(--gold-500);
  transition: right var(--transition-base);
}
.er-nav__links a:hover { color: var(--green-700); }
.er-nav__links a:hover::after,
.er-nav__links a.active::after { right: 0; }
.er-nav__links a.active { color: var(--green-700); font-weight: 600; }

.er-nav__cta {
  background: var(--green-700);
  color: var(--text-inverse) !important;
  padding: 10px 24px;
  border-radius: 100px;
  font-weight: 600 !important;
  transition: background var(--transition-fast), transform var(--transition-spring), box-shadow var(--transition-fast) !important;
}
.er-nav__cta::after { display: none !important; }
.er-nav__cta:hover {
  background: var(--green-600) !important;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(30,82,56,0.3);
}

/* ── Page Hero ────────────────────────────────────────────── */
.page-hero {
  padding: 140px 48px 80px;
  max-width: 900px;
  margin: 0 auto;
  text-align: center;
}

.hero-video {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover; /* This makes the video crop perfectly to fill the space without squishing */
  z-index: 1;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  /* A black overlay at 60% opacity. Adjust the 0.6 up or down depending on how bright your video is */
  background-color: rgba(0, 0, 0, 0.1); 
  z-index: 2;
}

.hero-content {
  position: relative;
  z-index: 3;
}

.page-hero__eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.8rem; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold-600);
  background: var(--gold-50);
  border: 1px solid var(--gold-100);
  padding: 6px 16px; border-radius: 100px;
  margin-bottom: 24px;
}
.page-hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--green-900);
  letter-spacing: -0.03em;
  margin-bottom: 20px;
}
.page-hero__title em {
  font-style: italic; color: var(--gold-600);
}
.page-hero__subtitle {
  font-size: 1.1rem;
  /* color: var(--text-secondary); */
  color: #184511;
  max-width: 560px;
  margin: 0 auto;
  font-weight: 600;
  line-height: 1.7;
}

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem; font-weight: 600;
  border: none; cursor: pointer;
  border-radius: 100px;
  padding: 14px 32px;
  transition: all var(--transition-base);
  text-decoration: none;
  letter-spacing: 0.01em;
  position: relative; overflow: hidden;
}
.btn::before {
  content: '';
  position: absolute; inset: 0;
  background: rgba(255,255,255,0);
  transition: background var(--transition-fast);
}
.btn:hover::before { background: rgba(255,255,255,0.1); }
.btn:active { transform: scale(0.98); }

.btn-primary {
  background: var(--green-700);
  color: var(--text-inverse);
  box-shadow: 0 4px 16px rgba(30,82,56,0.28);
}
.btn-primary:hover {
  background: var(--green-600);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(30,82,56,0.36);
}
.btn-gold {
  background: var(--gold-500);
  color: #fff;
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover {
  background: var(--gold-400);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(196,154,43,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--green-700);
  border: 1.5px solid var(--green-700);
}
.btn-outline:hover {
  background: var(--green-50);
  transform: translateY(-2px);
}
.btn-ghost {
  background: transparent;
  color: var(--text-secondary);
  padding: 10px 20px;
}
.btn-ghost:hover { background: var(--cream-200); }

.btn-sm { padding: 9px 20px; font-size: 0.85rem; }
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }

.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ── Cards ────────────────────────────────────────────────── */
.card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

/* ── Form Elements ────────────────────────────────────────── */
.form-group {
  display: flex; flex-direction: column; gap: 8px;
  margin-bottom: 20px;
}
.form-label {
  font-size: 0.875rem; font-weight: 600;
  color: var(--text-secondary);
  letter-spacing: 0.02em;
}
.form-label .required { color: var(--gold-500); margin-left: 3px; }

.form-input, .form-select, .form-textarea {
  font-family: var(--font-body);
  font-size: 1rem; font-weight: 400;
  color: var(--text-primary);
  background: var(--surface-base);
  border: 1.5px solid var(--border-mid);
  border-radius: var(--radius-md);
  padding: 13px 16px;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
  outline: none;
  width: 100%;
  appearance: none;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--green-600);
  box-shadow: 0 0 0 3px rgba(45,122,82,0.12);
  background: #fff;
}
.form-input::placeholder { color: var(--text-muted); }

.input-prefix {
  position: relative;
}
.input-prefix::before {
  content: attr(data-prefix);
  position: absolute; left: 14px; top: 50%;
  transform: translateY(-50%);
  font-size: 1rem; font-weight: 500;
  color: var(--text-muted);
  pointer-events: none;
  z-index: 1;
}
.input-prefix .form-input { padding-left: 32px; }

.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
}

/* Range slider */
.form-range {
  -webkit-appearance: none;
  width: 100%; height: 4px;
  border-radius: 100px;
  background: var(--green-100);
  outline: none;
  cursor: pointer;
}
.form-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--green-600);
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(13,43,30,0.25);
  cursor: grab;
  transition: transform var(--transition-spring), box-shadow var(--transition-fast);
}
.form-range::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scale(1.2);
  box-shadow: 0 4px 16px rgba(13,43,30,0.35);
}

/* ── Badge ────────────────────────────────────────────────── */
.badge {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.75rem; font-weight: 600;
  padding: 4px 12px; border-radius: 100px;
  letter-spacing: 0.03em;
}
.badge-green { background: var(--green-100); color: var(--green-700); }
.badge-gold  { background: var(--gold-100);  color: var(--gold-700);  }
.badge-cream { background: var(--cream-200); color: var(--text-secondary); }

/* ── Progress ─────────────────────────────────────────────── */
.progress-bar {
  height: 4px; border-radius: 100px;
  background: var(--green-100);
  overflow: hidden;
}
.progress-bar__fill {
  height: 100%;
  background: linear-gradient(90deg, var(--green-600), var(--gold-400));
  border-radius: 100px;
  transition: width var(--transition-slow);
}

/* ── Section Utility ──────────────────────────────────────── */
.section {
  padding: 80px 48px;
  max-width: 1160px;
  margin: 0 auto;
}
.section-sm { padding: 48px 48px; }

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem,3vw,2.8rem);
  font-weight: 700;
  color: var(--green-900);
  letter-spacing: -0.025em;
  line-height: 1.2;
  margin-bottom: 12px;
}
.section-subtitle {
  font-size: 1rem;
  color: var(--text-muted);
  font-weight: 300;
  max-width: 480px;
  line-height: 1.7;
}

/* ── Divider ──────────────────────────────────────────────── */
.divider {
  border: none;
  border-top: 1px solid var(--border-light);
  margin: 48px 0;
}
.divider-gold {
  border-top: 1px solid var(--gold-100);
}

/* ── Trust Strip ──────────────────────────────────────────── */
.trust-strip {
  display: flex; flex-wrap: wrap; gap: 16px; align-items: center;
  padding: 16px 0;
}
.trust-badge {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.8rem; font-weight: 500;
  color: var(--text-muted);
}
.trust-badge svg { color: var(--green-500); width: 16px; height: 16px; }

/* ── Notification Toast ───────────────────────────────────── */
.toast {
  position: fixed; bottom: 32px; right: 32px;
  z-index: 500;
  background: var(--green-900);
  color: var(--text-inverse);
  padding: 16px 24px;
  border-radius: var(--radius-md);
  font-size: 0.9rem; font-weight: 500;
  display: flex; align-items: center; gap: 12px;
  box-shadow: var(--shadow-lg);
  transform: translateY(80px); opacity: 0;
  transition: all var(--transition-spring);
  max-width: 360px;
}
.toast.show { transform: translateY(0); opacity: 1; }
.toast svg { width: 20px; height: 20px; color: var(--green-300); flex-shrink: 0; }

/* ── Scroll reveal ────────────────────────────────────────── */
.reveal {
  opacity: 0; transform: translateY(28px);
  transition: opacity var(--transition-slow), transform var(--transition-slow);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 80ms; }
.reveal-delay-2 { transition-delay: 160ms; }
.reveal-delay-3 { transition-delay: 240ms; }
.reveal-delay-4 { transition-delay: 320ms; }

/* ────────────────────────────────────────────────────────────
   PLANNER PAGE SPECIFIC
   ──────────────────────────────────────────────────────────── */

/* Step Wizard */
.wizard {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 24px 80px;
}

.wizard__steps-indicator {
  display: flex; align-items: center; justify-content: center;
  gap: 0; margin-bottom: 56px;
}
.step-indicator {
  display: flex; align-items: center;
}
.step-indicator__dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem; font-weight: 700;
  border: 2px solid var(--border-mid);
  background: var(--surface-card);
  color: var(--text-muted);
  transition: all var(--transition-base);
  position: relative; z-index: 1;
  cursor: default;
}
.step-indicator__dot.active {
  border-color: var(--green-600);
  background: var(--green-600);
  color: #fff;
  box-shadow: 0 0 0 5px rgba(45,122,82,0.15);
}
.step-indicator__dot.completed {
  border-color: var(--green-500);
  background: var(--green-500);
  color: #fff;
}
.step-indicator__line {
  flex: 1; height: 2px;
  background: var(--border-mid);
  min-width: 40px;
  transition: background var(--transition-base);
}
.step-indicator__line.completed { background: var(--green-500); }

.step-indicator__label {
  display: none;
}

/* Step Panel */
.step-panel {
  display: none;
  animation: stepFadeIn 0.35s ease;
}
.step-panel.active { display: block; }

@keyframes stepFadeIn {
  from { opacity: 0; transform: translateX(20px); }
  to   { opacity: 1; transform: translateX(0); }
}

.step-panel__header {
  margin-bottom: 36px;
}
.step-panel__num {
  font-size: 0.78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--gold-500);
  margin-bottom: 8px;
}
.step-panel__title {
  font-family: var(--font-display);
  font-size: 1.9rem; font-weight: 700;
  color: var(--green-900);
  letter-spacing: -0.02em;
  line-height: 1.2;
}
.step-panel__desc {
  margin-top: 10px;
  font-size: 0.95rem; color: var(--text-muted);
  font-weight: 300; line-height: 1.7;
}

.step-panel__card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

/* Two-column form grid */
.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

/* Risk selector */
.risk-options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 4px;
}
.risk-option {
  border: 2px solid var(--border-mid);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  cursor: pointer;
  transition: all var(--transition-base);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.risk-option::before {
  content: '';
  position: absolute; inset: 0;
  opacity: 0;
  transition: opacity var(--transition-fast);
}
.risk-option:hover { border-color: var(--green-400); transform: translateY(-2px); }
.risk-option.selected {
  border-color: var(--green-600);
  background: var(--green-50);
}
.risk-option__icon { font-size: 2rem; margin-bottom: 10px; }
.risk-option__label {
  font-weight: 700; font-size: 0.95rem;
  color: var(--text-primary); margin-bottom: 4px;
}
.risk-option__desc {
  font-size: 0.78rem; color: var(--text-muted);
  line-height: 1.5;
}
.risk-option input[type="radio"] { position: absolute; opacity: 0; }

/* Goal checkboxes */
.goal-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.goal-option {
  display: flex; align-items: center; gap: 14px;
  border: 1.5px solid var(--border-mid);
  border-radius: var(--radius-md);
  padding: 16px;
  cursor: pointer;
  transition: all var(--transition-base);
}
.goal-option:hover { border-color: var(--green-400); background: var(--green-50); }
.goal-option.selected { border-color: var(--green-600); background: var(--green-50); }
.goal-option input { position: absolute; opacity: 0; }
.goal-option__icon { font-size: 1.4rem; }
.goal-option__label { font-weight: 600; font-size: 0.9rem; color: var(--text-primary); }

/* Step navigation */
.step-nav {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px;
}

/* Encouragement banner */
.encouragement {
  background: linear-gradient(135deg, var(--green-50) 0%, var(--gold-50) 100%);
  border: 1px solid var(--gold-100);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 24px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  font-weight: 500;
}
.encouragement span:first-child { font-size: 1.2rem; }

/* ── Dashboard (Results) ──────────────────────────────────── */
.dashboard {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 48px 100px;
  display: none;
}
.dashboard.active { display: block; }

.dashboard__header {
  padding: 48px 0 36px;
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 48px;
}
.dashboard__greeting {
  font-size: 0.85rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--gold-600);
  margin-bottom: 8px;
}
.dashboard__title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--green-900);
  letter-spacing: -0.025em;
  line-height: 1.25;
}
.dashboard__title span { color: var(--gold-500); }
.dashboard__subtitle {
  margin-top: 10px;
  font-size: 1rem; color: var(--text-muted);
  font-weight: 300;
}

/* Dashboard grid */
.dashboard-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 32px;
}
.dashboard-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

/* Summary stat cards */
.stat-card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
}
.stat-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--green-500), var(--gold-400));
}
.stat-card__label {
  font-size: 0.8rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 8px;
}
.stat-card__value {
  font-family: var(--font-display);
  font-size: 2.2rem; font-weight: 700;
  color: var(--green-900);
  letter-spacing: -0.03em;
  line-height: 1;
}
.stat-card__value--gold { color: var(--gold-600); }
.stat-card__sub {
  font-size: 0.8rem; color: var(--text-muted);
  margin-top: 6px;
}

/* Chart containers */
.chart-card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.chart-card__title {
  font-family: var(--font-display);
  font-size: 1.2rem; font-weight: 600;
  color: var(--green-900);
  margin-bottom: 4px;
}
.chart-card__subtitle {
  font-size: 0.83rem; color: var(--text-muted);
  margin-bottom: 24px;
}
.chart-wrapper { position: relative; }

/* Pie chart (CSS-based) */
.pie-chart-container {
  display: flex; gap: 32px; align-items: center;
}
.pie-chart {
  width: 180px; height: 180px;
  border-radius: 50%;
  position: relative;
  flex-shrink: 0;
}
.pie-legend { flex: 1; }
.pie-legend-item {
  display: flex; align-items: center; gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.88rem;
}
.pie-legend-item:last-child { border-bottom: none; }
.pie-legend-dot {
  width: 12px; height: 12px;
  border-radius: 3px; flex-shrink: 0;
}
.pie-legend-label { flex: 1; color: var(--text-secondary); font-weight: 500; }
.pie-legend-pct {
  font-weight: 700; color: var(--green-900);
}


/* 1. The main container - Forces the 5 columns to sit in a row */
.proj-bars {
  display: flex;
  justify-content: space-between;
  align-items: flex-end; /* Anchors everything to the bottom */
  width: 100%;
}

/* 2. The column for each year */
.proj-bar-group {
  display: flex;
  flex-direction: column;
  align-items: center;
  height: 100%;
  width: 18%; /* Gives each column equal breathing room */
}

/* 3. The actual visual bar */
.proj-bar {
  width: 36px; /* Width of the gold bar */
  background-color: var(--gold-400, #CBA358); /* The gold color from your legend */
  border-radius: 4px 4px 0 0; /* Rounded top corners */
  margin: 0 auto;
  
  /* CRITICAL: Must be relative so the text tip can float above it */
  position: relative; 
  display: flex;
  justify-content: center;
  transition: height 0.8s ease-out; /* Smooth animation when JS loads it */
}

/* 4. The Wealth Text (e.g., ₹4.4Cr) */
.proj-bar-tip {
  /* Position absolute pulls it OUT of the colored bar so it floats on top */
  position: absolute;
  top: -24px; /* Pushes the text 24px above the gold bar */
  font-weight: 600;
  color: var(--text-main, #333);
  font-size: 0.9rem;
  white-space: nowrap; /* Prevents text from breaking into two lines */
}

/* 5. The Year Label (e.g., 5Y, 10Y) */
.proj-bar-year {
  margin-top: 12px;
  color: var(--text-muted, #888);
  font-size: 0.85rem;
  font-weight: 500;
  text-align: center;
}

/* Investment cards */
.investment-cards { display: grid; gap: 16px; }

.inv-card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base);
}
.inv-card:hover { box-shadow: var(--shadow-md); }

.inv-card__header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  gap: 16px;
}
.inv-card__header-left { display: flex; align-items: center; gap: 14px; }
.inv-card__icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--green-50);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.inv-card__name {
  font-weight: 700; font-size: 1rem;
  color: var(--text-primary); margin-bottom: 2px;
}
.inv-card__allocation {
  font-size: 0.8rem; font-weight: 600;
  color: var(--gold-600);
}
.inv-card__return {
  text-align: right; flex-shrink: 0;
}
.inv-card__return-value {
  font-family: var(--font-display);
  font-size: 1.3rem; font-weight: 700;
  color: var(--green-700);
}
.inv-card__return-label {
  font-size: 0.72rem; color: var(--text-muted);
}
.inv-card__chevron {
  width: 20px; height: 20px;
  color: var(--text-muted);
  transition: transform var(--transition-base);
  flex-shrink: 0;
}
.inv-card.open .inv-card__chevron { transform: rotate(180deg); }

.inv-card__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
}
.inv-card.open .inv-card__body { max-height: 800px; }

.inv-card__detail {
  padding: 0 24px 24px;
  border-top: 1px solid var(--border-light);
}
.inv-detail-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 20px 0;
}
.inv-detail-item {
  background: var(--surface-base);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}
.inv-detail-item__label {
  font-size: 0.72rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--text-muted); margin-bottom: 4px;
}
.inv-detail-item__value {
  font-size: 0.92rem; font-weight: 600; color: var(--text-primary);
}

.inv-steps { margin: 16px 0; }
.inv-steps__title {
  font-size: 0.85rem; font-weight: 700;
  color: var(--green-800); margin-bottom: 12px;
  text-transform: uppercase; letter-spacing: 0.05em;
}
.inv-step {
  display: flex; gap: 12px; margin-bottom: 10px;
  align-items: flex-start;
}
.inv-step__num {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--green-600);
  color: #fff;
  font-size: 0.72rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 1px;
}
.inv-step__text {
  font-size: 0.88rem; color: var(--text-secondary);
  line-height: 1.5;
}

.scam-flags {
  background: #fff8f0;
  border: 1px solid #f5d5aa;
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  margin-top: 14px;
}
.scam-flags__title {
  font-size: 0.78rem; font-weight: 700;
  color: #b84c00;
  text-transform: uppercase; letter-spacing: 0.06em;
  margin-bottom: 8px;
  display: flex; align-items: center; gap: 6px;
}
.scam-flag-item {
  font-size: 0.82rem; color: #7a3800;
  padding: 3px 0;
  display: flex; gap: 8px;
}
.scam-flag-item::before { content: '⚠️'; flex-shrink: 0; }

/* ────────────────────────────────────────────────────────────
   EDUCATION PAGE SPECIFIC
   ──────────────────────────────────────────────────────────── */

/* Tab nav */
.edu-tabs {
  display: flex; gap: 4px;
  background: var(--cream-200);
  border-radius: 100px;
  padding: 6px;
  margin-bottom: 48px;
  width: fit-content;
}
.edu-tab {
  padding: 10px 28px;
  border-radius: 100px;
  border: none; background: transparent;
  font-family: var(--font-body);
  font-size: 0.9rem; font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition-base);
}



.edu-tab.active {
  background: var(--surface-card);
  color: var(--green-800);
  font-weight: 700;
  box-shadow: var(--shadow-sm);
}



/* Topic grid */
.topic-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 20px;
  margin-bottom: 48px;
}

.topic-card {
  background: var(--surface-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 0;
  overflow: hidden;
  margin-top: 5rem;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  cursor: pointer;
}
.topic-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }



.topic-card__top {
  padding: 28px;
  border-bottom: 1px solid var(--border-light);
}
.topic-card__icon {
  font-size: 2rem; margin-bottom: 16px;
  display: block;
}
.topic-card__title {
  font-family: var(--font-display);
  font-size: 1.2rem; font-weight: 600;
  color: var(--green-900); margin-bottom: 8px;
}
.topic-card__desc {
  font-size: 0.85rem; color: var(--text-muted);
  line-height: 1.6;
}
.topic-card__bottom {
  padding: 16px 28px;
  display: flex; align-items: center; justify-content: space-between;
}
.topic-card__tag {
  font-size: 0.75rem; font-weight: 600;
  color: var(--gold-600);
  background: var(--gold-50);
  padding: 4px 12px; border-radius: 100px;
}
.topic-card__arrow {
  color: var(--text-muted);
  transition: transform var(--transition-fast);
}
.topic-card:hover .topic-card__arrow { transform: translateX(4px); color: var(--green-600); }

/* Topic detail modal */
.topic-modal {
  position: fixed; inset: 0;
  z-index: 200;
  display: none;
  align-items: center; justify-content: center;
  padding: 24px;
}
.topic-modal.active { display: flex; }

.topic-modal__overlay {
  position: absolute; inset: 0;
  background: rgba(13,43,30,0.55);
  backdrop-filter: blur(6px);
  cursor: pointer;
}
.topic-modal__panel {
  position: relative; z-index: 1;
  background: var(--surface-card);
  border-radius: var(--radius-xl);
  width: 100%; max-width: 700px;
  max-height: 88vh;
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  animation: modalIn 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
@keyframes modalIn {
  from { opacity: 0; transform: scale(0.9) translateY(20px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}
.topic-modal__close {
  position: sticky; top: 16px;
  float: right; margin: 16px 16px 0 0;
  width: 36px; height: 36px;
  border-radius: 50%; border: 1.5px solid var(--border-mid);
  background: var(--surface-card);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; color: var(--text-muted);
  transition: all var(--transition-fast);
}
.topic-modal__close:hover { background: var(--cream-200); color: var(--text-primary); }

.topic-modal__content { padding: 32px; clear: both; }
.topic-modal__eyebrow {
  font-size: 0.75rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--gold-500); margin-bottom: 8px;
}
.topic-modal__title {
  font-family: var(--font-display);
  font-size: 2rem; font-weight: 700;
  color: var(--green-900); margin-bottom: 8px;
  letter-spacing: -0.025em;
}
.topic-modal__tag { margin-bottom: 24px; }

/* Toggle ELI18 */
.eli18-toggle {
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 24px;
  padding: 14px 18px;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--radius-md);
}
.toggle-switch {
  position: relative; width: 44px; height: 24px;
  flex-shrink: 0;
}
.toggle-switch input { opacity: 0; width: 0; height: 0; }
.toggle-slider {
  position: absolute; inset: 0;
  background: var(--border-mid);
  border-radius: 100px;
  cursor: pointer;
  transition: background var(--transition-base);
}
.toggle-slider::before {
  content: '';
  position: absolute;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: #fff;
  left: 3px; top: 3px;
  transition: transform var(--transition-spring);
  box-shadow: 0 1px 4px rgba(0,0,0,0.2);
}
.toggle-switch input:checked + .toggle-slider { background: var(--green-600); }
.toggle-switch input:checked + .toggle-slider::before { transform: translateX(20px); }
.eli18-toggle-label { font-size: 0.88rem; font-weight: 600; color: var(--green-800); }
.eli18-toggle-desc { font-size: 0.78rem; color: var(--text-muted); }

.content-expert { display: block; }
.content-beginner { display: none; }
.eli18-active .content-expert { display: none; }
.eli18-active .content-beginner { display: block; }

/* Topic content sections */
.topic-section {
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border-light);
}
.topic-section:last-child { border-bottom: none; margin-bottom: 0; }
.topic-section__title {
  font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--gold-600); margin-bottom: 10px;
}
.topic-section p {
  font-size: 0.95rem; color: var(--text-secondary);
  line-height: 1.75;
}

/* FAQ accordion */
.faq-item {
  border-bottom: 1px solid var(--border-light);
  overflow: hidden;
}
.faq-item__q {
  width: 100%; text-align: left;
  padding: 16px 0;
  display: flex; align-items: center; justify-content: space-between;
  background: transparent; border: none;
  font-family: var(--font-body);
  font-size: 0.92rem; font-weight: 600;
  color: var(--text-primary); cursor: pointer;
  gap: 12px;
  transition: color var(--transition-fast);
}
.faq-item__q:hover { color: var(--green-700); }
.faq-item__q svg {
  width: 18px; height: 18px;
  color: var(--text-muted); flex-shrink: 0;
  transition: transform var(--transition-base);
}
.faq-item.open .faq-item__q svg { transform: rotate(180deg); }
.faq-item__a {
  max-height: 0; overflow: hidden;
  transition: max-height var(--transition-slow);
  font-size: 0.88rem; color: var(--text-muted);
  line-height: 1.7; padding-bottom: 0;
}
.faq-item.open .faq-item__a {
  max-height: 300px;
  padding-bottom: 16px;
}

/* Fraud warning */
.fraud-warning {
  background: linear-gradient(135deg, #fff8f0, #fff3e5);
  border: 1px solid #f5d5aa;
  border-left: 4px solid #e07c24;
  border-radius: var(--radius-md);
  padding: 16px 18px;
  margin-top: 16px;
}
.fraud-warning__title {
  font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: #b84c00;
  display: flex; align-items: center; gap: 6px;
  margin-bottom: 8px;
}
.fraud-warning p {
  font-size: 0.85rem; color: #7a3800; line-height: 1.6;
}

/* Real example */
.real-example {
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--radius-md);
  padding: 16px 18px;
  margin-top: 16px;
}
.real-example__title {
  font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--green-700);
  display: flex; align-items: center; gap: 6px;
  margin-bottom: 8px;
}
.real-example p {
  font-size: 0.88rem; color: var(--text-secondary); line-height: 1.65;
}

/* ── Footer ───────────────────────────────────────────────── */
.er-footer {
  background: var(--surface-dark);
  color: rgba(250,246,240,0.7);
  padding: 56px 48px;
  text-align: center;
}
.er-footer__logo {
  font-family: var(--font-display);
  font-size: 1.8rem; font-weight: 700;
  color: var(--text-inverse);
  margin-bottom: 12px;
}
.er-footer__logo span { color: var(--gold-400); }
.er-footer__tagline { font-size: 0.9rem; margin-bottom: 32px; font-weight: 300; }
.er-footer__disclaimer {
  font-size: 0.75rem; color: rgba(250,246,240,0.4);
  max-width: 580px; margin: 0 auto;
  line-height: 1.7;
}

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 768px) {
  .er-nav { padding: 16px 24px; }
  .er-nav__links { display: none; }
  .section { padding: 60px 24px; }
  .page-hero { padding: 120px 24px 60px; }
  .wizard { padding: 0 16px 60px; }
  .step-panel__card { padding: 24px; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .risk-options { grid-template-columns: 1fr; }
  .goal-options { grid-template-columns: 1fr; }
  .dashboard { padding: 0 24px 80px; }
  .dashboard-grid { grid-template-columns: 1fr; }
  .dashboard-grid-3 { grid-template-columns: 1fr 1fr; }
  .inv-detail-grid { grid-template-columns: 1fr 1fr; }
  .pie-chart-container { flex-direction: column; }
  .topic-grid { grid-template-columns: 1fr; }
  .topic-modal__panel { border-radius: var(--radius-lg); }
}

@media (max-width: 480px) {
  .dashboard-grid-3 { grid-template-columns: 1fr; }
  .inv-detail-grid { grid-template-columns: 1fr; }
}

img {
  height: 250px;
  width: 500px;
  margin-bottom: 2.5rem;
  margin-left: 1.5rem;
  margin-top: 1.5rem;
}

.content {
  height: 300px;
  width: 500px;
  border: 0.5px solid black;
  color: #FAF6F0;
  background-color: #163d2b;
  border-radius: 2rem;
  padding: 1rem 3rem;
  margin-top: 1.5rem;
  margin-right: 2rem;
  margin-bottom: 1.5rem;
  font-size: 1.5rem;
  font-family: Playfair Display, serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;
}

.content:hover {
  box-shadow: 2px 2px 10px rgba(0,0,0,0.3);
}

.new1 {
  display: flex;
  border-radius: 2rem;
  justify-content: space-around;
  align-items: center;
  width: 90%;
  margin-left: 4rem;
  margin-bottom: 4rem;
  background-color: #0D2B1E;
}