/* ========================================
   FINANCIAL HEALTH SCORE — GLOBAL STYLES
   ======================================== */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:wght@300;400;500;600;700&display=swap');

:root {
  --navy: #0B1F3A;
  --navy-mid: #1A3457;
  --navy-light: #234876;
  --green: #1DB954;
  --green-dark: #17A34A;
  --green-light: #E8F8EE;
  --amber: #F59E0B;
  --red: #EF4444;
  --white: #FFFFFF;
  --off-white: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-400: #94A3B8;
  --gray-600: #475569;
  --gray-800: #1E293B;
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(11,31,58,0.10);
  --shadow-lg: 0 12px 40px rgba(11,31,58,0.14);
  --radius: 12px;
  --radius-lg: 20px;
}

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

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

body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

/* TYPOGRAPHY */
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.25; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }

p { color: var(--gray-600); margin-bottom: 1rem; }
a { color: var(--navy); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--green-dark); }

.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 30px; border-radius: 8px; font-family: var(--font-body);
  font-size: 1rem; font-weight: 600; cursor: pointer; border: none;
  transition: all 0.2s ease; text-decoration: none;
}
.btn-primary {
  background: var(--green); color: var(--white);
}
.btn-primary:hover { background: var(--green-dark); color: var(--white); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(29,185,84,0.35); }
.btn-outline {
  background: transparent; color: var(--navy); border: 2px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; }

/* NAV */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.97); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--gray-200);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 24px; max-width: 1100px; margin: 0 auto;
}
.nav-logo {
  font-family: var(--font-display); font-size: 1.35rem; color: var(--navy);
  display: flex; align-items: center; gap: 10px;
}
.nav-logo .logo-icon {
  width: 36px; height: 36px; background: var(--navy); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.nav-logo .logo-icon span { color: var(--green); font-size: 1.1rem; font-family: var(--font-body); font-weight: 700; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { font-size: 0.9rem; font-weight: 500; color: var(--gray-600); }
.nav-links a:hover { color: var(--navy); }
.nav-links .nav-cta {
  background: var(--navy); color: var(--white) !important;
  padding: 10px 22px; border-radius: 7px;
}
.nav-links .nav-cta:hover { background: var(--green); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; }
.hamburger span { width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: 0.3s; }

/* HERO */
.hero {
  background: linear-gradient(145deg, var(--navy) 0%, var(--navy-mid) 60%, #0F3460 100%);
  padding: 100px 0 90px; position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(29,185,84,0.12) 0%, transparent 70%);
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: center;
  max-width: 1100px; margin: 0 auto; padding: 0 24px; position: relative; z-index: 1;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(29,185,84,0.15); border: 1px solid rgba(29,185,84,0.3);
  color: #6EE7A0; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.05em;
  padding: 6px 14px; border-radius: 100px; margin-bottom: 24px; text-transform: uppercase;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { color: var(--green); font-style: normal; }
.hero-sub { color: rgba(255,255,255,0.72); font-size: 1.15rem; margin-bottom: 36px; }
.trust-badges {
  display: flex; flex-wrap: wrap; gap: 16px; margin-top: 28px;
}
.trust-badge {
  display: flex; align-items: center; gap: 6px;
  color: rgba(255,255,255,0.6); font-size: 0.82rem;
}
.trust-badge svg { color: var(--green); flex-shrink: 0; }

/* SCORE CARD (hero visual) */
.hero-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg); padding: 32px; backdrop-filter: blur(12px);
}
.score-ring-wrap { display: flex; justify-content: center; margin-bottom: 24px; }
.score-ring { position: relative; width: 160px; height: 160px; }
.score-ring svg { transform: rotate(-90deg); }
.score-ring-bg { fill: none; stroke: rgba(255,255,255,0.1); stroke-width: 12; }
.score-ring-fill { fill: none; stroke: var(--green); stroke-width: 12; stroke-linecap: round; stroke-dasharray: 440; stroke-dashoffset: 110; transition: stroke-dashoffset 1.5s ease; }
.score-center {
  position: absolute; inset: 0; display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.score-number { font-family: var(--font-display); font-size: 2.8rem; color: var(--white); line-height: 1; }
.score-label { font-size: 0.75rem; color: var(--green); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.hero-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.metric-box {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px; padding: 14px; text-align: center;
}
.metric-box .val { font-family: var(--font-display); font-size: 1.4rem; color: var(--white); }
.metric-box .lbl { font-size: 0.72rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.05em; margin-top: 2px; }
.risk-pill {
  display: inline-block; padding: 4px 12px; border-radius: 100px;
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em;
}
.risk-low { background: rgba(29,185,84,0.2); color: var(--green); }
.risk-moderate { background: rgba(245,158,11,0.2); color: var(--amber); }
.risk-high { background: rgba(239,68,68,0.2); color: var(--red); }

/* HOW IT WORKS */
.how-section { background: var(--off-white); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 48px; }
.step { text-align: center; padding: 32px 24px; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%; background: var(--navy);
  color: var(--white); font-family: var(--font-display); font-size: 1.5rem;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
}
.step h4 { color: var(--navy); margin-bottom: 10px; }

/* FEATURES */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.feature-card {
  border: 1px solid var(--gray-200); border-radius: var(--radius); padding: 28px 24px;
  transition: all 0.25s; position: relative; overflow: hidden; background: var(--white);
}
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--green); transform: scaleX(0); transition: transform 0.3s;
}
.feature-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.feature-card:hover::before { transform: scaleX(1); }
.feature-icon {
  width: 48px; height: 48px; border-radius: 10px; background: var(--green-light);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
  font-size: 1.4rem;
}
.feature-card h4 { color: var(--navy); margin-bottom: 8px; }
.feature-card a { color: var(--green-dark); font-size: 0.88rem; font-weight: 600; }

/* WHY IT MATTERS */
.why-section { background: var(--navy); }
.why-section h2 { color: var(--white); }
.why-section p { color: rgba(255,255,255,0.65); }
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; margin-top: 48px; }
.why-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius); padding: 28px;
}
.why-card h4 { color: var(--white); margin-bottom: 10px; }
.why-stat { font-family: var(--font-display); font-size: 2rem; color: var(--green); margin-bottom: 8px; }

/* BLOG SECTION */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 48px; }
.blog-card {
  border: 1px solid var(--gray-200); border-radius: var(--radius); overflow: hidden;
  transition: box-shadow 0.25s, transform 0.25s; background: var(--white);
}
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.blog-thumb { height: 180px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); display: flex; align-items: center; justify-content: center; font-size: 3rem; }
.blog-body { padding: 22px; }
.blog-tag { font-size: 0.75rem; font-weight: 700; color: var(--green-dark); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 8px; display: block; }
.blog-card h4 { color: var(--navy); margin-bottom: 10px; font-size: 1.05rem; line-height: 1.4; }
.blog-card p { font-size: 0.88rem; margin: 0; }
.blog-meta { font-size: 0.78rem; color: var(--gray-400); margin-top: 14px; }

/* FOOTER */
footer { background: var(--gray-800); color: rgba(255,255,255,0.6); }
.footer-top { padding: 60px 24px 40px; max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
.footer-brand p { font-size: 0.88rem; margin-top: 14px; line-height: 1.7; }
.footer-col h5 { color: var(--white); font-family: var(--font-body); font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.88rem; color: rgba(255,255,255,0.55); margin-bottom: 10px; transition: color 0.2s; }
.footer-col a:hover { color: var(--green); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 24px; max-width: 1100px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; font-size: 0.82rem; }
.footer-socials { display: flex; gap: 14px; }
.footer-socials a { color: rgba(255,255,255,0.45); font-size: 1rem; }
.footer-socials a:hover { color: var(--green); }

/* SECTION HEADER */
.section-header { text-align: center; max-width: 620px; margin: 0 auto 48px; }
.section-header h2 { margin-bottom: 16px; }
.section-tag {
  display: inline-block; font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--green-dark); margin-bottom: 12px;
}

/* CALCULATOR PAGE */
.calc-page { padding: 60px 0 80px; background: var(--off-white); }
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.calc-form { background: var(--white); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-md); }
.calc-results { background: var(--white); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-md); }
.form-group { margin-bottom: 22px; }
.form-group label { display: block; font-size: 0.88rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.form-group input, .form-group select {
  width: 100%; padding: 12px 16px; border: 2px solid var(--gray-200); border-radius: 8px;
  font-family: var(--font-body); font-size: 1rem; color: var(--gray-800);
  transition: border-color 0.2s; outline: none; background: var(--white);
}
.form-group input:focus, .form-group select:focus { border-color: var(--navy); }
.form-group input.error { border-color: var(--red); }
.error-msg { font-size: 0.78rem; color: var(--red); margin-top: 4px; }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--gray-400); font-weight: 600; pointer-events: none; }
.input-prefix input { padding-left: 36px; }
.calc-btn { width: 100%; padding: 16px; font-size: 1rem; font-weight: 700; background: var(--navy); color: var(--white); border: none; border-radius: 8px; cursor: pointer; transition: background 0.2s; margin-top: 8px; font-family: var(--font-body); }
.calc-btn:hover { background: var(--green); }

/* RESULTS */
.result-score-wrap { text-align: center; margin-bottom: 32px; }
.result-ring { position: relative; width: 180px; height: 180px; margin: 0 auto 16px; }
.result-ring svg { transform: rotate(-90deg); }
.result-score-num { font-family: var(--font-display); font-size: 3.5rem; line-height: 1; }
.result-risk-label { font-size: 0.85rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; margin-top: 6px; }
.metrics-list { display: flex; flex-direction: column; gap: 14px; }
.metric-row { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; background: var(--off-white); border-radius: 8px; }
.metric-row .metric-name { font-size: 0.88rem; font-weight: 500; color: var(--gray-600); }
.metric-row .metric-val { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.suggestions { margin-top: 28px; }
.suggestions h4 { color: var(--navy); margin-bottom: 14px; }
.suggestion-item { display: flex; gap: 10px; padding: 12px 0; border-bottom: 1px solid var(--gray-100); font-size: 0.88rem; color: var(--gray-600); align-items: flex-start; }
.suggestion-item:last-child { border: none; }
.suggestion-icon { color: var(--green); flex-shrink: 0; margin-top: 2px; }
.placeholder-state { text-align: center; padding: 40px 20px; color: var(--gray-400); }
.placeholder-state svg { font-size: 3rem; margin-bottom: 16px; opacity: 0.4; }

/* FAQ */
.faq-section { padding: 60px 0; }
.faq-list { max-width: 720px; margin: 40px auto 0; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-q {
  width: 100%; text-align: left; padding: 20px 0; background: none; border: none;
  font-family: var(--font-body); font-size: 1rem; font-weight: 600; color: var(--navy);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-a { display: none; padding: 0 0 20px; font-size: 0.92rem; color: var(--gray-600); }
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-arrow { transition: transform 0.2s; flex-shrink: 0; }

/* PAGE HERO (inner pages) */
.page-hero { background: var(--navy); padding: 60px 0 50px; }
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.65); font-size: 1.1rem; }
.breadcrumb { font-size: 0.82rem; color: rgba(255,255,255,0.45); margin-bottom: 16px; }
.breadcrumb a { color: rgba(255,255,255,0.45); }
.breadcrumb a:hover { color: var(--green); }

/* BLOG PAGE */
.blog-hero { background: var(--navy); padding: 70px 0 60px; }
.blog-hero h1 { color: var(--white); }
.blog-full-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 40px; }
article.article-content h2 { margin: 2rem 0 1rem; }
article.article-content h3 { margin: 1.5rem 0 0.8rem; }
article.article-content p { margin-bottom: 1.2rem; }
article.article-content ul, article.article-content ol { padding-left: 24px; margin-bottom: 1.2rem; color: var(--gray-600); }
article.article-content li { margin-bottom: 6px; }

/* UTILITY */
.text-center { text-align: center; }
.mt-2 { margin-top: 16px; }
.mt-4 { margin-top: 32px; }
.mt-6 { margin-top: 48px; }
.green { color: var(--green-dark); }
.hidden { display: none; }

/* PROGRESS BAR */
.progress-bar { background: var(--gray-100); border-radius: 100px; height: 8px; overflow: hidden; margin-top: 6px; }
.progress-fill { height: 100%; border-radius: 100px; background: var(--green); transition: width 1s ease; }
.progress-fill.amber { background: var(--amber); }
.progress-fill.red { background: var(--red); }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .steps { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: 1fr; }
  .blog-grid, .blog-full-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-wrap { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
}
@media (max-width: 600px) {
  .features-grid { grid-template-columns: 1fr; }
  .blog-grid, .blog-full-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .hero { padding: 60px 0; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
}

/* MOBILE NAV */
.mobile-nav {
  position: fixed; inset: 0; background: var(--navy); z-index: 999;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 28px;
  opacity: 0; pointer-events: none; transition: opacity 0.3s;
}
.mobile-nav.open { opacity: 1; pointer-events: all; }
.mobile-nav a { color: var(--white); font-size: 1.4rem; font-family: var(--font-display); }
.mobile-close { position: absolute; top: 24px; right: 24px; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; }