/* Modern 2026 fintech theme — loaded last */

:root {
  --font: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  --ink: #0B1524;
  --muted: #5A6B80;
  --cream: transparent;
  --paper: rgba(255, 255, 255, 0.72);
  --line: rgba(255, 255, 255, 0.58);
  --shadow: rgba(11, 31, 58, 0.08);
  --glass: rgba(255, 255, 255, 0.58);
  --glass-strong: rgba(255, 255, 255, 0.82);
  --glass-tint: rgba(255, 255, 255, 0.34);
  --glass-border: rgba(255, 255, 255, 0.7);
  --glass-edge: rgba(255, 255, 255, 0.95);
  --blur: 24px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --radius: 22px;
  --radius-sm: 14px;
}

html {
  scroll-padding-top: 96px;
}

html, body, button, input, select, textarea, table, th, td,
h1, h2, h3, h4, p, a, span, label, li, div, strong, em, small, b {
  font-family: var(--font) !important;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

html, body {
  background: #e7eef6;
  color: var(--ink);
}

body {
  position: relative;
  isolation: isolate;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  background:
    radial-gradient(ellipse 64% 46% at 6% -10%, rgba(11, 31, 58, 0.2), transparent 58%),
    radial-gradient(ellipse 48% 38% at 98% 0%, rgba(74, 124, 186, 0.28), transparent 54%),
    radial-gradient(ellipse 46% 34% at 82% 96%, rgba(166, 204, 230, 0.46), transparent 52%),
    radial-gradient(ellipse 38% 32% at 8% 90%, rgba(96, 168, 176, 0.22), transparent 50%),
    linear-gradient(180deg, #f4f7fb 0%, #e8eef6 46%, #e3ebf4 100%);
}

body.home {
  background: transparent;
}

.shell {
  max-width: 1180px;
}

button, .ghost {
  border-radius: 999px;
  font-weight: 600;
  transition: transform 0.22s var(--ease), box-shadow 0.22s var(--ease), background 0.22s var(--ease);
}

button:hover, .ghost:hover {
  transform: translateY(-1px);
}

label {
  text-transform: none;
  letter-spacing: -0.01em;
  font-weight: 600;
}

/* —— Island header —— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: transparent !important;
  border: 0 !important;
  box-shadow: none !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  padding: 10px 16px 0;
}

.site-header-inner {
  position: relative;
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: blur(28px) saturate(180%);
  -webkit-backdrop-filter: blur(28px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.86);
  border-radius: 20px;
  box-shadow: 0 10px 40px rgba(11, 31, 58, 0.08), inset 0 1px 0 rgba(255, 255, 255, 0.95);
  min-height: 68px;
  padding-left: 16px;
  padding-right: 16px;
  transition: box-shadow 0.28s var(--ease), min-height 0.28s var(--ease);
}

.site-header.is-scrolled .site-header-inner {
  box-shadow: 0 8px 28px rgba(11, 31, 58, 0.12), inset 0 1px 0 rgba(255, 255, 255, 0.95);
  min-height: 60px;
}

@media (min-width: 901px) {
  .site-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
  }

  .site-nav {
    flex: 1 1 auto;
    justify-content: flex-end;
    min-width: 0;
  }
}

.brand strong {
  font-weight: 700;
  letter-spacing: -0.04em;
}

.brand em {
  font-weight: 500;
  letter-spacing: 0.02em;
  text-transform: none;
}

.brand img {
  box-shadow: 0 0 0 2px rgba(255, 255, 255, 0.85), 0 8px 18px rgba(11, 31, 58, 0.12);
}

.site-nav a,
.nav-drop-btn {
  font-weight: 600;
  border-radius: 999px;
  letter-spacing: -0.01em;
}

.site-nav a:hover {
  background: var(--glass-strong);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.nav-cta {
  background: rgba(11, 31, 58, 0.94) !important;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: 999px !important;
  box-shadow: 0 8px 20px rgba(11, 31, 58, 0.2);
}

.nav-toggle {
  background: var(--glass);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
}

.header-actions {
  display: flex !important;
  align-items: center;
  gap: 8px;
  flex: 0 0 auto;
}

.header-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 36px;
  padding: 6px 13px;
  background: var(--glass) !important;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--glass-border) !important;
  border-radius: 999px !important;
  font-size: 13px;
  font-weight: 600 !important;
  color: var(--brand) !important;
  text-decoration: none;
  white-space: nowrap;
}

.header-chip-expert {
  background: rgba(11, 31, 58, 0.94) !important;
  color: #fff !important;
  border-color: transparent !important;
  box-shadow: 0 8px 18px rgba(11, 31, 58, 0.18);
}

.nav-mega {
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(32px) saturate(180%);
  -webkit-backdrop-filter: blur(32px) saturate(180%);
  border: 1px solid var(--glass-border);
  border-radius: 22px;
  box-shadow: 0 24px 56px rgba(11, 31, 58, 0.14);
}

/* —— Homepage —— */
.home-hero {
  background: transparent;
  padding-top: 28px;
}

.home-hero-copy h1 {
  font-weight: 700;
  letter-spacing: -0.05em;
}

.home-hero-copy > p {
  font-weight: 500;
  line-height: 1.65;
  color: var(--muted);
}

.gender-avatar,
.gender-btn,
.filter-chip {
  background: var(--glass);
  backdrop-filter: blur(16px) saturate(160%);
  -webkit-backdrop-filter: blur(16px) saturate(160%);
  border: 1px solid var(--glass-border);
  box-shadow: 0 6px 18px var(--shadow);
}

.gender-btn,
.filter-chip {
  border-radius: 999px;
  font-weight: 600;
  transition: transform 0.2s var(--ease), background 0.2s var(--ease), box-shadow 0.2s var(--ease);
}

.gender-btn:hover,
.filter-chip:hover {
  transform: translateY(-1px);
}

.gender-btn.is-active,
.filter-chip.is-active {
  background: rgba(11, 31, 58, 0.92);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 8px 22px rgba(11, 31, 58, 0.22);
}

.hero-viewport {
  background: var(--glass-tint);
  backdrop-filter: blur(28px) saturate(170%);
  -webkit-backdrop-filter: blur(28px) saturate(170%);
  border: 1px solid var(--glass-border);
  box-shadow: 0 22px 56px rgba(11, 31, 58, 0.14), inset 0 1px 0 var(--glass-edge);
  border-radius: 28px;
}

.hero-slide {
  background: linear-gradient(155deg, rgba(5, 14, 28, 0.62) 0%, rgba(11, 31, 58, 0.48) 48%, rgba(22, 50, 92, 0.4) 100%);
  min-height: 292px;
}

.hero-slide.tone-teal {
  background: linear-gradient(155deg, rgba(15, 90, 78, 0.5), rgba(60, 184, 154, 0.38));
}

.hero-slide.has-image,
.hero-slide.tone-teal.has-image,
.hero-slide.tone-navy.has-image {
  background-image: linear-gradient(180deg, rgba(11, 31, 58, 0.16) 0%, rgba(11, 31, 58, 0.82) 100%), var(--hero-image);
  background-size: cover;
  background-position: center;
}

.promo-card.has-image,
.promo-card.tone-rose.has-image,
.promo-card.tone-teal.has-image,
.promo-card.tone-navy.has-image {
  background-image: linear-gradient(180deg, rgba(11, 31, 58, 0.1) 0%, rgba(11, 31, 58, 0.78) 100%), var(--promo-image);
  background-size: cover;
  background-position: center;
  color: #fff;
}

.hero-slide h2,
.promo-card strong {
  font-weight: 700;
  letter-spacing: -0.03em;
}

.hero-slide .btn-gold {
  background: rgba(255, 255, 255, 0.92);
  color: var(--brand);
  position: relative;
  z-index: 1;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.btn-gold {
  background: rgba(11, 31, 58, 0.94);
  color: #fff;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 8px 22px rgba(11, 31, 58, 0.2);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}

.hero-dots button {
  background: rgba(255, 255, 255, 0.5);
}

.hero-dots button.is-active {
  background: rgba(11, 31, 58, 0.86);
}

.product-card {
  background: var(--glass);
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid var(--glass-border);
  border-radius: 22px;
  box-shadow: 0 10px 30px var(--shadow), inset 0 1px 0 var(--glass-edge);
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s var(--ease);
}

.product-card-title {
  font-weight: 600;
  letter-spacing: -0.02em;
}

.product-card:hover {
  transform: translateY(-4px);
  border-color: var(--glass-edge);
  box-shadow: 0 18px 40px rgba(11, 31, 58, 0.12);
}

.product-featured {
  background: #D8F3EA;
  color: #0F7A62;
  letter-spacing: 0.06em;
  font-weight: 800;
  border-radius: 999px;
}

.product-card.is-featured .product-tile {
  box-shadow: none;
}

.plan-icon {
  border-radius: 18px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.promo-card {
  background: var(--glass-tint);
  backdrop-filter: blur(22px) saturate(170%);
  -webkit-backdrop-filter: blur(22px) saturate(170%);
  border: 1px solid var(--glass-border);
  border-radius: 24px;
  box-shadow: 0 14px 36px var(--shadow), inset 0 1px 0 var(--glass-edge);
  color: var(--ink);
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease);
}

.promo-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 44px rgba(11, 31, 58, 0.14);
}

.promo-card.tone-rose,
.promo-card.tone-teal,
.promo-card.tone-navy {
  color: #fff;
}

.promo-card.tone-rose {
  background: linear-gradient(155deg, rgba(11, 31, 58, 0.58), rgba(22, 50, 92, 0.42));
}

.promo-card.tone-teal {
  background: linear-gradient(155deg, rgba(15, 122, 98, 0.5), rgba(60, 184, 154, 0.36));
}

.promo-card.tone-navy {
  background: linear-gradient(155deg, rgba(28, 42, 74, 0.55), rgba(58, 90, 154, 0.4));
}

.why-card,
.calc-col,
.advisor-card,
.soon-card,
.card,
.kpi,
.auth-card {
  background: var(--glass);
  backdrop-filter: blur(22px) saturate(165%);
  -webkit-backdrop-filter: blur(22px) saturate(165%);
  border: 1px solid var(--glass-border);
  box-shadow: 0 12px 32px var(--shadow), inset 0 1px 0 var(--glass-edge);
}

.why-card,
.calc-col,
.advisor-card,
.soon-card,
.card {
  border-radius: var(--radius);
}

.kpi {
  border-radius: 18px;
  padding: 16px 18px;
}

.kpi-value {
  letter-spacing: -0.03em;
  font-weight: 700;
}

.calc-section,
.advisor-grid {
  background: transparent;
}

.calc-col header {
  background: rgba(255, 255, 255, 0.3);
}

.calc-col.tone-rose header,
.calc-col.tone-teal header,
.calc-col.tone-navy header {
  background: rgba(255, 255, 255, 0.24);
}

.calc-col a:hover {
  background: rgba(255, 255, 255, 0.38);
}

.help-band {
  background: transparent;
}

.section-kicker,
.hero-promo-badge strong,
.product-ribbon,
.home-footer .footer-col-head h2 {
  font-weight: 700;
}

.btn-ghost {
  background: var(--glass);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1px solid var(--glass-border);
  border-radius: 999px;
  font-weight: 600;
}

.view-all-products {
  background: var(--glass) !important;
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid var(--glass-border) !important;
  color: var(--brand) !important;
  border-radius: 999px !important;
  font-weight: 600 !important;
  box-shadow: 0 8px 24px var(--shadow);
}

.product-ribbon.tone-green,
.product-ribbon.tone-soft {
  background: rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

/* —— Calculator —— */
.page-hero {
  background: linear-gradient(155deg, rgba(5, 14, 28, 0.88), rgba(11, 31, 58, 0.74) 58%, rgba(22, 50, 92, 0.58));
  backdrop-filter: blur(22px);
  -webkit-backdrop-filter: blur(22px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  margin: 16px 16px 0;
  border-radius: 24px;
}

.page-hero .shell {
  padding-top: 8px;
  padding-bottom: 8px;
}

.page-hero h1 {
  font-weight: 700;
  letter-spacing: -0.04em;
}

.export-panel,
.rate-check {
  border-radius: 16px;
}

input:not([type="checkbox"]):not([type="radio"]):not([type="hidden"]):not([type="file"]):not([type="color"]),
select,
textarea {
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
}

input:not([type="checkbox"]):not([type="radio"]):not([type="hidden"]):not([type="file"]):not([type="color"]):focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: rgba(11, 31, 58, 0.35);
  box-shadow: 0 0 0 4px rgba(11, 31, 58, 0.08);
}

.lead-product-pick input {
  width: 16px;
  height: 16px;
  padding: 0;
  border-radius: 4px;
  background: #fff;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  box-shadow: none;
}

.lead-product-pick input:focus {
  box-shadow: 0 0 0 3px rgba(11, 31, 58, 0.12);
}

th {
  letter-spacing: -0.01em;
}

.table-wrap {
  border-radius: 0 0 22px 22px;
}

/* —— Footer / auth —— */
.home-footer.site-footer,
.site-footer {
  background: rgba(11, 31, 58, 0.86);
  backdrop-filter: blur(32px) saturate(160%);
  -webkit-backdrop-filter: blur(32px) saturate(160%);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 28px;
}

.auth-page {
  background: transparent;
  min-height: 100vh;
  display: grid;
  place-items: center;
  padding: 32px 16px;
}

.auth-card {
  border-radius: 28px;
  padding: 36px 32px;
  width: min(420px, 100%);
}

.auth-card h1 {
  letter-spacing: -0.04em;
}

@media (max-width: 480px) {
  .auth-page { padding: 20px 12px; }
  .auth-card { padding: 24px 16px; border-radius: 18px; }
}

.site-flash {
  border-radius: 14px;
}

@media (max-width: 1180px) {
  .header-chip-expert .header-chip-text {
    display: none;
  }

  .site-nav a {
    padding-left: 10px;
    padding-right: 10px;
  }
}

@media (max-width: 900px) {
  .site-header {
    padding: 8px 12px 0;
  }

  .site-header-inner {
    border-radius: 16px;
  }

  .header-chip-expert .header-chip-text {
    display: none;
  }

  body.calculator-page .site-nav,
  body.nav-open .site-nav {
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(24px) saturate(180%);
    -webkit-backdrop-filter: blur(24px) saturate(180%);
    border-radius: 16px;
    border: 1px solid var(--glass-border);
    box-shadow: 0 16px 36px rgba(11, 31, 58, 0.12);
    left: 8px;
    right: 8px;
  }

  body.home .product-card {
    background: transparent;
    border: 0;
    box-shadow: none;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
  }

  body.home .product-card:hover {
    transform: none;
    box-shadow: none;
  }

  body.home .product-tile {
    background: var(--glass);
    backdrop-filter: blur(16px) saturate(160%);
    -webkit-backdrop-filter: blur(16px) saturate(160%);
    border: 1px solid var(--glass-border);
    box-shadow: 0 8px 20px var(--shadow), inset 0 1px 0 var(--glass-edge);
  }

  body.home .hero-viewport {
    border-radius: 22px;
  }

  body.home .hero-slide {
    min-height: 200px;
  }

  .page-hero {
    margin: 10px 12px 0;
    border-radius: 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    transition: none !important;
    animation: none !important;
  }
}

@supports not ((backdrop-filter: blur(2px)) or (-webkit-backdrop-filter: blur(2px))) {
  .site-header-inner,
  .product-card,
  .why-card,
  .calc-col,
  .card,
  .kpi,
  .auth-card,
  .hero-viewport {
    background: rgba(255, 255, 255, 0.94);
  }

  .site-footer,
  .home-footer.site-footer {
    background: #0B1F3A;
  }
}