/* === NetWorth — Shared Site Styles === */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{--bg:#0a0b10;--bg2:#0e1017;--card:#161922;--border:#232738;--text:#e8e8ec;--text2:#c4c4cc;--muted:#6b6f80;--green:#22c55e;--red:#ef4444;--blue:#3b82f6;--purple:#a855f7;--orange:#f59e0b;--pink:#ec4899;--radius:12px}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen,sans-serif;background:var(--bg);color:var(--text);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;display:block}

/* === NAV === */
.site-nav{background:var(--card);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.nav-inner{max-width:1100px;margin:0 auto;padding:0 24px;height:60px;display:flex;align-items:center;justify-content:space-between}
.nav-logo{font-size:1.15rem;font-weight:700;color:var(--text);display:flex;align-items:center;gap:8px;text-decoration:none}
.nav-logo:hover{text-decoration:none}
.nav-links{display:flex;align-items:center;gap:24px}
.nav-links>a,.nav-drop-trigger{color:var(--muted);font-size:.88rem;font-weight:500;text-decoration:none;transition:color .2s;cursor:pointer;background:none;border:none;font-family:inherit}
.nav-links>a:hover,.nav-links>a.active,.nav-drop-trigger:hover,.nav-dropdown.active .nav-drop-trigger{color:var(--text);text-decoration:none}
.nav-dropdown{position:relative}
.nav-drop-trigger{display:flex;align-items:center;gap:3px;padding:0}
.nav-drop-menu{display:none;position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);background:var(--card);border:1px solid var(--border);border-radius:12px;min-width:260px;padding:8px;box-shadow:0 8px 32px rgba(0,0,0,.4);z-index:200}
.nav-dropdown.open .nav-drop-menu{display:block}
.nav-drop-menu a{display:flex;align-items:center;gap:10px;padding:10px 14px;border-radius:8px;font-size:.84rem;color:var(--text2);text-decoration:none;transition:background .15s}
.nav-drop-menu a:hover{background:rgba(59,130,246,.08);color:var(--text);text-decoration:none}
.nav-cta{background:var(--blue)!important;color:#fff!important;padding:8px 20px!important;border-radius:8px;font-weight:600!important;font-size:.82rem!important;transition:opacity .2s}
.nav-cta:hover{opacity:.85;text-decoration:none}
.nav-toggle{display:none;background:none;border:none;color:var(--text);font-size:1.4rem;cursor:pointer}
@media(max-width:768px){
  .nav-links{display:none;position:absolute;top:60px;left:0;right:0;background:var(--card);border-bottom:1px solid var(--border);flex-direction:column;padding:16px 24px;gap:12px;z-index:99}
  .nav-inner.open .nav-links{display:flex}
  .nav-toggle{display:block}
  .nav-dropdown{width:100%}
  .nav-drop-menu{position:static;transform:none;box-shadow:none;border:none;padding:4px 0 4px 12px;min-width:0;display:none;background:transparent}
  .nav-dropdown.open .nav-drop-menu{display:block}
  .nav-drop-trigger{width:100%}
}

/* === FOOTER === */
.site-footer{border-top:1px solid var(--border);padding:48px 24px 32px;margin-top:60px}
.footer-inner{max-width:1100px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.footer-about .footer-brand{font-size:1.15rem;font-weight:700;margin-bottom:12px}
.footer-desc{font-size:.82rem;color:var(--muted);line-height:1.6;max-width:280px}
.footer-col h4{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--text);margin-bottom:14px}
.footer-col{display:flex;flex-direction:column;gap:10px}
.footer-col a{color:var(--muted);font-size:.82rem;text-decoration:none;transition:color .15s}
.footer-col a:hover{color:var(--text);text-decoration:none}
.footer-bottom{border-top:1px solid var(--border);margin-top:32px;padding-top:20px;text-align:center}
.footer-bottom p{font-size:.72rem;color:var(--muted)}
.footer-links{display:flex;justify-content:center;gap:24px;margin-bottom:16px;flex-wrap:wrap}
.footer-links a{color:var(--muted);font-size:.82rem;text-decoration:none}
.footer-links a:hover{color:var(--text)}
.footer-copy{font-size:.72rem;color:var(--muted)}
@media(max-width:768px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
  .footer-desc{max-width:100%}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
}

/* === LAYOUT === */
.container{max-width:1100px;margin:0 auto;padding:0 24px}
.container-sm{max-width:760px;margin:0 auto;padding:0 24px}
.section{padding:60px 0}

/* === TYPOGRAPHY === */
.page-hero{text-align:center;padding:60px 0 40px}
.page-hero h1{font-size:2.2rem;font-weight:800;line-height:1.3;margin-bottom:12px}
.page-hero h1 .accent{color:var(--green)}
.page-hero p{font-size:1.05rem;color:var(--muted);max-width:580px;margin:0 auto;line-height:1.7}
h2{font-size:1.4rem;font-weight:700;margin-bottom:16px}
h3{font-size:1.1rem;font-weight:600;margin-bottom:10px}

/* === CARDS === */
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;transition:border-color .2s}
.card:hover{border-color:rgba(59,130,246,.3)}

/* === GRID === */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:768px){.grid-2,.grid-3{grid-template-columns:1fr}}

/* === BUTTONS === */
.btn{display:inline-block;padding:12px 28px;border-radius:10px;font-size:.92rem;font-weight:600;text-decoration:none;transition:all .2s;cursor:pointer;border:none}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{opacity:.9}
.btn-outline{background:transparent;color:var(--blue);border:1px solid var(--blue)}
.btn-outline:hover{background:rgba(59,130,246,.1)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{opacity:.9}
.btn-lg{padding:14px 36px;font-size:1rem}
.btn-sm{padding:8px 18px;font-size:.82rem}

/* === CTA BANNER === */
.cta-banner{background:linear-gradient(135deg,var(--card),#1a1d2e);border:1px solid var(--border);border-radius:14px;padding:36px;text-align:center;margin:40px 0}
.cta-banner h3{font-size:1.2rem;font-weight:700;margin-bottom:8px}
.cta-banner p{font-size:.88rem;color:var(--muted);margin-bottom:20px}

/* === FORMS === */
.form-group{margin-bottom:18px}
.form-group label{display:block;font-size:.78rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.form-input,.form-textarea,.form-select{width:100%;padding:12px 16px;background:var(--bg);border:1px solid var(--border);border-radius:10px;color:var(--text);font-size:.92rem;outline:none;transition:border-color .2s;font-family:inherit}
.form-input:focus,.form-textarea:focus,.form-select:focus{border-color:var(--blue)}
.form-textarea{min-height:120px;resize:vertical}
.form-hint{font-size:.7rem;color:var(--muted);margin-top:4px}
.form-preview{font-size:.78rem;font-weight:600;color:var(--blue);margin-top:4px;min-height:20px}

/* === BREADCRUMBS === */
.breadcrumbs{font-size:.78rem;color:var(--muted);margin-bottom:20px}
.breadcrumbs a{color:var(--muted)}
.breadcrumbs a:hover{color:var(--text)}

/* === CALCULATOR COMPONENTS === */
.calc-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:32px;margin-bottom:28px}
.calc-card h2{font-size:1.15rem;font-weight:700;margin-bottom:20px}
.calc-field{margin-bottom:20px}
.calc-field label{display:block;font-size:.78rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.calc-field input{width:100%;padding:14px 16px;background:var(--bg);border:1px solid var(--border);border-radius:10px;color:var(--text);font-size:1.05rem;font-weight:600;outline:none;transition:border-color .2s;font-family:inherit}
.calc-field input:focus{border-color:var(--blue)}
.calc-result{background:var(--bg);border-radius:12px;padding:24px;text-align:center;margin-top:20px}
.calc-result-label{font-size:.72rem;text-transform:uppercase;letter-spacing:1px;font-weight:600;color:var(--muted);margin-bottom:6px}
.calc-result-value{font-size:2rem;font-weight:800;line-height:1.2}
.calc-result-sub{font-size:.78rem;color:var(--muted);margin-top:6px}
.calc-bar{height:6px;background:var(--border);border-radius:4px;margin-top:12px;overflow:hidden}
.calc-bar-fill{height:100%;border-radius:4px;background:linear-gradient(90deg,var(--red),var(--orange),var(--green));transition:width .5s ease}

/* === CONTENT SECTIONS === */
.content-section{margin:40px 0;padding:0}
.content-section h2{font-size:1.25rem;font-weight:700;margin-bottom:14px}
.content-section p{font-size:.9rem;color:var(--text2);line-height:1.8;margin-bottom:14px}
.content-section ul,.content-section ol{margin:10px 0 16px 20px;font-size:.9rem;color:var(--text2)}
.content-section li{margin-bottom:8px;line-height:1.7}

.example-box{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:24px;margin:16px 0;font-size:.88rem;color:var(--text2);line-height:1.8}

/* === TIPS GRID === */
.tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:16px}
.tip-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:20px;transition:border-color .2s}
.tip-card:hover{border-color:rgba(59,130,246,.2)}
.tip-icon{font-size:1.5rem;margin-bottom:8px}
.tip-card h4{font-size:.88rem;font-weight:700;margin-bottom:4px}
.tip-card p{font-size:.8rem;color:var(--muted);line-height:1.6;margin:0}
@media(max-width:600px){.tips-grid{grid-template-columns:1fr}}

/* === FAQ === */
.faq-item{border-bottom:1px solid var(--border);padding:0}
.faq-q{padding:16px 0;font-size:.92rem;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--text);transition:color .2s}
.faq-q::after{content:'+';font-size:1.1rem;color:var(--muted);transition:transform .2s;flex-shrink:0;margin-left:12px}
.faq-item.open .faq-q::after{content:'−'}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease,padding .3s ease}
.faq-item.open .faq-a{max-height:500px;padding-bottom:16px}
.faq-a div,.faq-a p{font-size:.86rem;color:var(--muted);line-height:1.7}

/* === ARTICLE === */
.article-content{line-height:1.8}
.article-content p{font-size:.92rem;color:var(--text2);margin-bottom:16px}
.article-content h2{font-size:1.3rem;margin-top:36px;margin-bottom:14px}
.article-content h3{font-size:1.05rem;margin-top:24px;margin-bottom:10px}
.article-content ul,.article-content ol{margin:12px 0 16px 20px;color:var(--text2);font-size:.92rem}
.article-content li{margin-bottom:8px;line-height:1.7}
.article-content blockquote{border-left:3px solid var(--blue);padding:14px 20px;margin:20px 0;background:rgba(59,130,246,.05);border-radius:0 8px 8px 0;font-size:.88rem;color:var(--text2);font-style:italic}
.article-meta{font-size:.78rem;color:var(--muted);margin-bottom:24px;display:flex;align-items:center;gap:12px;flex-wrap:wrap}

/* === RELATED ARTICLES === */
.related-articles{margin-top:48px;padding-top:32px;border-top:1px solid var(--border)}
.related-articles h3{font-size:1.1rem;font-weight:700;margin-bottom:20px}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.related-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:20px;text-decoration:none;display:block;transition:border-color .2s}
.related-card:hover{border-color:rgba(59,130,246,.3);text-decoration:none}
.related-card .rc-tag{display:inline-block;padding:2px 8px;border-radius:4px;font-size:.62rem;font-weight:600;text-transform:uppercase;margin-bottom:8px}
.related-card h4{font-size:.88rem;font-weight:700;color:var(--text);margin-bottom:4px;line-height:1.4}
.related-card p{font-size:.76rem;color:var(--muted);line-height:1.5;margin:0}
@media(max-width:600px){.related-grid{grid-template-columns:1fr}}

/* === AUTHOR BOX === */
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--border);border-radius:12px;padding:20px;margin-top:32px}
.author-avatar{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--green));display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0}
.author-info h4{font-size:.88rem;font-weight:700;margin-bottom:2px}
.author-info p{font-size:.78rem;color:var(--muted);line-height:1.5;margin:0}

/* === TAGS === */
.tag{display:inline-block;padding:4px 10px;border-radius:6px;font-size:.7rem;font-weight:600;text-transform:uppercase}
.tag-green{background:rgba(34,197,94,.1);color:var(--green)}
.tag-blue{background:rgba(59,130,246,.1);color:var(--blue)}
.tag-orange{background:rgba(245,158,11,.1);color:var(--orange)}
.tag-purple{background:rgba(168,85,247,.1);color:var(--purple)}
.tag-pink{background:rgba(236,72,153,.1);color:var(--pink)}

/* === TRUST SECTION === */
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:28px}
.trust-item{text-align:center;padding:24px 16px;background:var(--card);border:1px solid var(--border);border-radius:12px}
.trust-item .ti-icon{font-size:1.8rem;margin-bottom:10px}
.trust-item h4{font-size:.85rem;font-weight:700;margin-bottom:4px}
.trust-item p{font-size:.75rem;color:var(--muted);line-height:1.5;margin:0}
@media(max-width:768px){.trust-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.trust-grid{grid-template-columns:1fr}}

/* === AUDIENCE SECTION === */
.audience-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}
.audience-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:20px;text-align:center;transition:border-color .2s}
.audience-card:hover{border-color:rgba(59,130,246,.2)}
.audience-card .au-icon{font-size:2rem;margin-bottom:10px}
.audience-card h4{font-size:.88rem;font-weight:700;margin-bottom:4px}
.audience-card p{font-size:.78rem;color:var(--muted);line-height:1.5;margin:0}
@media(max-width:600px){.audience-grid{grid-template-columns:1fr}}

/* === STAT COUNTER === */
.stat-strip{display:flex;justify-content:center;gap:48px;padding:32px 0;flex-wrap:wrap}
.stat-item{text-align:center}
.stat-item .sv{font-size:1.8rem;font-weight:800;background:linear-gradient(135deg,var(--green),var(--blue));-webkit-background-clip:text;-webkit-text-fill-color:transparent}
.stat-item .sl{font-size:.72rem;color:var(--muted);margin-top:2px;text-transform:uppercase;letter-spacing:.5px}

/* === UTILITY === */
.text-center{text-align:center}
.mt-0{margin-top:0}.mt-1{margin-top:8px}.mt-2{margin-top:16px}.mt-3{margin-top:24px}.mt-4{margin-top:32px}
.mb-0{margin-bottom:0}.mb-1{margin-bottom:8px}.mb-2{margin-bottom:16px}.mb-3{margin-bottom:24px}.mb-4{margin-bottom:32px}
.hidden{display:none}

/* === CALC CARD === */
.calc-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:32px;margin-bottom:40px;box-shadow:0 4px 24px rgba(0,0,0,.3)}
.calc-card h2{font-size:1.1rem;font-weight:700;margin-bottom:20px;display:flex;align-items:center;gap:8px}
.calc-field{margin-bottom:18px}
.calc-field label{display:block;font-size:.78rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.calc-field input,.calc-field select{width:100%;padding:14px 16px;background:var(--bg);border:1px solid var(--border);border-radius:10px;color:var(--text);font-size:1.05rem;font-weight:600;outline:none;transition:border-color .2s}
.calc-field input:focus,.calc-field select:focus{border-color:var(--blue)}
.calc-field select{appearance:none;cursor:pointer}
.calc-result{margin-top:24px;padding:24px;border-radius:12px;text-align:center;transition:all .3s}
.calc-result.positive{background:rgba(34,197,94,.08);border:1px solid rgba(34,197,94,.2)}
.calc-result.negative{background:rgba(239,68,68,.08);border:1px solid rgba(239,68,68,.2)}
.calc-result.neutral{background:rgba(59,130,246,.08);border:1px solid rgba(59,130,246,.2)}
.calc-result-label{font-size:.75rem;text-transform:uppercase;letter-spacing:.8px;font-weight:600;margin-bottom:6px}
.calc-result-value{font-size:2.2rem;font-weight:800;line-height:1.2}
.calc-result-sub{font-size:.8rem;color:var(--muted);margin-top:8px}
.calc-bar{height:8px;border-radius:6px;background:rgba(239,68,68,.15);margin-top:14px;overflow:hidden}
.calc-bar-fill{height:100%;border-radius:6px;background:var(--green);transition:width .5s ease}

/* === CONTENT SECTIONS === */
.content-section{margin-bottom:36px}
.content-section h2{font-size:1.25rem;font-weight:700;margin-bottom:14px;display:flex;align-items:center;gap:8px}
.content-section h3{font-size:1rem;font-weight:600;margin:18px 0 8px;color:var(--text)}
.content-section p{font-size:.9rem;color:var(--muted);line-height:1.8;margin-bottom:12px}
.content-section ul{list-style:none;padding:0}
.content-section li{font-size:.88rem;color:var(--muted);padding:8px 0 8px 24px;position:relative;line-height:1.6}
.content-section li::before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:700}
.example-box{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:16px 20px;margin:14px 0;font-size:.85rem;color:var(--text);line-height:1.7}
.example-box strong{color:var(--green)}

/* === TIPS GRID === */
.tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:14px}
.tip-card{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:16px;transition:border-color .2s}
.tip-card:hover{border-color:var(--blue)}
.tip-card .tip-icon{font-size:1.3rem;margin-bottom:6px}
.tip-card h4{font-size:.82rem;font-weight:700;margin-bottom:4px;color:var(--text)}
.tip-card p{font-size:.75rem;color:var(--muted);line-height:1.5;margin:0}
@media(max-width:600px){.tips-grid{grid-template-columns:1fr}}

/* === FAQ === */
.faq-item{border-bottom:1px solid var(--border);padding:14px 0}
.faq-q{font-size:.9rem;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.faq-q::after{content:'+';font-size:1.1rem;color:var(--muted);transition:transform .2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{font-size:.84rem;color:var(--muted);line-height:1.7;max-height:0;overflow:hidden;transition:max-height .3s ease,padding .3s ease}
.faq-item.open .faq-a{max-height:300px;padding-top:10px}

/* === RESPONSIVE === */
@media(max-width:768px){
  .page-hero{padding:40px 0 30px}
  .page-hero h1{font-size:1.6rem}
  .page-hero p{font-size:.92rem}
  .section{padding:40px 0}
  h2{font-size:1.2rem}
  .calc-card{padding:22px 18px}
  .calc-result-value{font-size:1.6rem}
  .container-sm{padding:0 16px}
}