:root{
  --bg:#0b1020;
  --primary:#6b5cf6;
  --primary-2:#8c6ff8;
  --accent:#4ec3ff;
  --text:#0f1222;
  --muted:#667085;
  --white:#fff;
  --card:#ffffff;
  --card-alt:#f6f7fb;
  --radius:16px;
  --shadow:0 10px 20px rgba(20,16,60,.08), 0 2px 6px rgba(20,16,60,.05);
  --shadow-lg:0 20px 40px rgba(20,16,60,.12);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);scroll-behavior:smooth}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{max-width:1100px;margin:0 auto;padding:0 20px}

strong {
  display:inline !important;
}

/* Header */
.site-header{
  position:sticky; top:0; z-index:1000;
  backdrop-filter:saturate(180%) blur(8px);
  background:linear-gradient(180deg, rgba(14,13,40,.72), rgba(14,13,40,.64)) , transparent;
  color:var(--white);
}
.site-header.scrolled{box-shadow:var(--shadow)}
.nav-wrap{display:flex; align-items:center; justify-content:space-between; min-height:64px}
.brand{display:flex; align-items:center; gap:10px; font-weight:700; letter-spacing:.2px}
.brand .brand-logo{font-size:22px}
.brand .brand-text{font-size:18px}

.nav ul{display:flex; align-items:center; gap:18px; list-style:none; margin:0; padding:0}
.nav a{opacity:.9}
.nav a:hover, .nav a.active{opacity:1}
.nav-cta .btn{padding:.6rem 1rem}

.nav-toggle{display:none; background:none; border:0; cursor:pointer}
.nav-toggle .bar{display:block; width:22px; height:2px; background:#e8ebff; margin:5px 0}

/* Buttons */
.btn{display:inline-block; border-radius:12px; padding:.8rem 1.1rem; font-weight:600; border:1px solid transparent; transition:.2s transform, .2s box-shadow}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--primary); color:#fff; box-shadow:var(--shadow)}
.btn-ghost{background:#fff; color:#2f3190; border:1px solid #dfe3ff; box-shadow:var(--shadow)}
.link-deep{display:inline-block; margin-top:10px; color:#dff6ff}

.hero-fold{
  background:
    radial-gradient(1200px 500px at 20% -10%, rgba(135,121,255,.45), transparent),
    radial-gradient(1000px 400px at 100% 10%, rgba(78,195,255,.30), transparent),
    linear-gradient(135deg, #5b4ff5, #7a6df7 40%, #6f89ff 80%);
  color:#fff;
  padding: clamp(24px, 5vh, 48px) 0;
}
.hero-grid.--af{
  display:grid; gap:28px; align-items:center;
  grid-template-columns: 1.05fr 1fr;
}

/* LEFT */
.af-left{display:grid; gap:14px}
.af-title{font-size: clamp(26px, 5vw, 44px); margin:0; color:#fff; font-weight:800}
.af-badge{
  display:flex; gap:14px; align-items:center;
  background:linear-gradient(135deg, rgb(164 157 157 / 75%), rgb(122 123 251,.85));
  border:1px solid rgba(255,255,255,.8);
  border-radius:14px; padding:12px 16px; box-shadow:0 12px 28px rgba(8,4,60,.12);
}
.af-badge img{filter: drop-shadow(0 6px 12px rgba(20,16,60,.25)); border-radius:10px}
.af-badge strong{display:block; color:#ffffff; background:linear-gradient(90deg,#fff,#eef4ff); -webkit-background-clip:text; color:transparent}
.af-badge p{margin:2px 0 0; color:#eef2ff; opacity:.92; font-size:14px}

.af-bullets{list-style:none; padding:0; margin:4px 0 0; display:grid; gap:10px}
.af-bullets li{
  position:relative; padding-left:28px; font-weight:600; color:#fff;
}
.af-bullets li::before{
  content:""; position:absolute; left:0; top:2px; width:16px; height:16px; border-radius:3px;
  background:conic-gradient(from 0deg at 50% 50%, #ff3b3b, #ff3b3b) ;
  -webkit-mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 16 16"><path fill="white" d="M6.3 11.3L2.6 7.6l1.4-1.4 2.3 2.3L12 2.8l1.4 1.4z"/></svg>') no-repeat center / contain;
          mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 16 16"><path fill="white" d="M6.3 11.3L2.6 7.6l1.4-1.4 2.3 2.3L12 2.8l1.4 1.4z"/></svg>') no-repeat center / contain;
}

/* Buttons row */
.af-cta{display:flex; gap:10px; flex-wrap:wrap; margin-top:6px}

/* RIGHT: gradient panel + fields */
.af-right{
  background:linear-gradient(135deg, #7d8cff, #7aa0ff 50%, #8ab0ff);
  border-radius:14px; padding:16px; box-shadow:0 14px 28px rgba(20,16,60,.15);
  border:1px solid rgba(255,255,255,.7);
}
.af-form{display:grid; gap:12px}
.af-field{display:grid; gap:6px}
.af-field label{font-weight:700; color:#fff}
.af-field input{
  width:100%;
  padding:12px 14px; border-radius:10px; font:inherit; outline:0;
  background:#fff; border:1px solid #e7eaf7; color:#0f1222;
}
.af-field input:focus{border-color:#c7ccff; box-shadow:0 0 0 4px #c7ccff33}

/* Result pills */
.af-results{
  display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:4px;
}
.af-pill{
  color:#2f3190;
  background:linear-gradient(180deg, #ffffff, #f5f7ff);
  border:1px solid #e8eaf5; border-radius:12px; padding:12px 14px;
  box-shadow:0 10px 18px rgba(15,12,60,.08);
}
.af-pill-caption{display:block; font-size:12px; color:#6b6f90; margin-bottom:4px}
.af-pill strong{font-size:20px}
.af-results .muted.small{grid-column:1 / -1;font-size:small}

/* Reuse existing buttons (already defined in your css); ensure contrast here */
.btn-primary{background:#6b5cf6; color:#fff}
.btn-ghost{background:#ffffff; color:#2f3190; border:1px solid #dfe3ff}

/* Responsive */
@media (max-width: 980px){
  .hero-grid.--af{grid-template-columns:1fr}
}
/* Calculator card */
.calc-card{
  background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.35);
  border-radius:18px; padding:18px;
  box-shadow:0 12px 30px rgba(0,0,0,.18);
  backdrop-filter: blur(8px) saturate(140%);
}
.field{display:flex; flex-direction:column; gap:6px; margin-bottom:10px}
.field label{font-weight:700}
.field input{
  border-radius:12px; border:1px solid var(--border);
  padding:12px 14px; font:inherit; background:#fff; color:var(--text);
}
.field input:focus{border-color:#c9ccf3; box-shadow:0 0 0 4px #c9ccf333; outline:0}

.calc-result{display:grid; gap:10px; margin-top:12px}
.pill{
  background:linear-gradient(145deg,#ffffff,#f3f5ff);
  color:#0f1222; border:1px solid #e6e9f8; border-radius:14px; padding:12px 14px;
  box-shadow:var(--shadow)
}
.pill span{display:block; font-size:12px; opacity:.75}
.pill strong{font-size:22px}
.calc-links{margin-top:12px; display:flex; justify-content:flex-end}

/* Sections */
.section{padding:70px 0}
.section.alt{background:var(--card-alt)}
.section-title{text-align:center; margin:0 0 26px; font-size:32px}

/* Cards grid */
.cards-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:18px}
.card{
  background:var(--card); border-radius:var(--radius); padding:22px; box-shadow:var(--shadow);
  transition:transform .2s, box-shadow .2s; min-height:160px
}
.card:hover{transform:translateY(-3px); box-shadow:var(--shadow-lg)}
.card .icon{font-size:28px; margin-bottom:10px}

/* Simulator */
.simulator{display:grid; grid-template-columns: 1.1fr .9fr; gap:24px; align-items:flex-start}
.sim-form{background:var(--card); border-radius:var(--radius); padding:18px; box-shadow:var(--shadow)}
.field{display:flex; flex-direction:column; gap:6px; margin-bottom:14px}
.field label{font-weight:600}
.field input, .contact-form input, .contact-form textarea{
  padding:.8rem .9rem; border-radius:10px; border:1px solid #e4e7ee; outline:none; font:inherit;
  background:#fff;
}
.field input:focus, .contact-form input:focus, .contact-form textarea:focus{border-color:#c9ccf3; box-shadow:0 0 0 4px #c9ccf333}
.form-buttons{display:flex; gap:10px; margin-top:8px;flex-direction:row-reverse;}

.sim-result{display:grid; gap:12px}
.result-pill{
  background:linear-gradient(145deg, #ffffff, #f3f5ff);
  border:1px solid #e6e9f8; border-radius:14px; padding:16px; box-shadow:var(--shadow)
}
.result-pill span{display:block; color:var(--muted); font-size:13px}
.result-pill strong{font-size:22px}

/* Content & utilities */
.content p{line-height:1.65}
.cols-2{display:grid; grid-template-columns:repeat(2,1fr); gap:18px}
.note{background:#f1f5ff; border:1px dashed #c8d3ff; border-radius:12px; padding:14px}
.checklist{list-style:none; padding:0; margin:12px 0}
.checklist li{padding-left:28px; position:relative; margin-bottom:8px}
.checklist li::before{content:"✔"; position:absolute; left:0; color:#25b36a}

/* Formula */
.formula{
  border-radius:12px; padding:16px; background:#0f1a44; color:#eaf0ff; box-shadow:var(--shadow);
  margin:12px 0; text-align:center; font-weight:600
}
.formula .legend{font-weight:500; opacity:.9; margin-top:6px}

/* Pros & Cons */
.pros-cons{display:grid; grid-template-columns:1fr 1fr; gap:18px}
.pros-cons > div{background:#fff; border-radius:12px; padding:16px; box-shadow:var(--shadow)}
.pros-cons h3{margin:0 0 8px}

/* Accordion */
.accordion{max-width:900px; margin:0 auto}
.acc-item{background:#fff; border:1px solid #e8eaf5; border-radius:12px; padding:12px 14px; box-shadow:var(--shadow); margin-bottom:12px}
.acc-summary{cursor:pointer; list-style:none; font-weight:600}
.acc-summary::-webkit-details-marker{display:none}

/* Contact */
.contact-form{display:grid; grid-template-columns:repeat(2,1fr); gap:14px; background:#fff; padding:18px; border-radius:14px; box-shadow:var(--shadow)}
.contact-form .full{grid-column:1 / -1}

/* Footer */
.site-footer{background:#0f1130; color:#dfe3ff; padding:28px 0}
.footer-grid{display:grid; grid-template-columns:1fr auto; gap:18px; align-items:center}
.foot-links{list-style:none; display:flex; gap:16px; margin:0}
.brand.foot{font-weight:700}

/* Back to top */
.back-to-top{
  position:fixed; right:18px; bottom:18px; width:44px; height:44px; border-radius:999px; border:0; cursor:pointer;
  background:#ffffff; color:#2c2f8f; box-shadow:var(--shadow); display:none; align-items:center; justify-content:center; font-size:20px
}
.back-to-top.show{display:flex}

/* Responsive */
@media (max-width: 980px){
  .hero-grid{grid-template-columns:1fr}
  .simulator{grid-template-columns:1fr}
  .cards-grid{grid-template-columns:repeat(2,1fr)}
  .cols-2, .pros-cons{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
}
@media (max-width: 820px){
  .nav-toggle{display:block}
  .nav ul{position:absolute; right:20px; top:64px; background:#1a1750; border:1px solid #3a36a8; border-radius:12px;
          padding:10px; flex-direction:column; gap:10px; width:min(260px, 86vw); display:none}
  .nav ul.show{display:flex}
  .nav-cta{display:none}
}
@media (max-width: 600px){
  .cards-grid{grid-template-columns:1fr}
  .contact-form{grid-template-columns:1fr}
  .hero-copy h1{font-size:36px}
}

/* Examples */
.examples-grid{
  display:grid; gap:20px; 
  grid-template-columns:repeat(3,1fr);
  margin-top:18px;
}
.ex-card{
  background:#fff; border:1px solid #e8eaf5; border-radius:16px; 
  padding:20px; box-shadow:0 10px 20px rgba(20,16,60,.06);
  display:flex; flex-direction:column; align-items:stretch;
}
.ex-card h3{ margin:6px 0 4px; }
.ex-sub{ margin:0 0 12px; color:#667085; }
.ex-metrics{
  display:grid; grid-template-columns:repeat(3,1fr); gap:10px;
  background:#f6f7fb; border:1px solid #e6e9f8; border-radius:12px; padding:12px 10px; 
  margin-bottom:14px;
}
.ex-metrics > div{ display:flex;flex-direction:column-reverse;text-align:center }
.ex-money{ color:#09a66d; font-weight:700 }
.ex-years{ color:#2d63ff; font-weight:700 }
.ex-rate{ color:#e05252; font-weight:700 }
.ex-apply{ width:100%; margin-top:auto }

@media (max-width: 980px){
  .examples-grid{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width: 620px){
  .examples-grid{ grid-template-columns:1fr; }
}