/* POV Money — shared styles */
:root {
  --bg: #0a0d12;
  --bg-2: #0f141b;
  --card: #131a23;
  --card-2: #18212c;
  --line: #233040;
  --line-2: #2d3d50;
  --text: #eef2f6;
  --muted: #9aa8b8;
  --faint: #66768a;
  --gold: #f2c14e;
  --gold-2: #ffd97a;
  --mint: #3ddc97;
  --sky: #6cb6ff;
  --rose: #ff7a8a;
  --radius: 18px;
  --radius-sm: 12px;
  --shadow: 0 20px 60px -20px rgba(0, 0, 0, .6);
  --max: 1160px;
  --serif: "Instrument Serif", Georgia, "Times New Roman", serif;
  --sans: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; color: inherit; }
::selection { background: var(--gold); color: #111; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.num { font-variant-numeric: tabular-nums; }
.gold { color: var(--gold); }
.mint { color: var(--mint); }
.muted { color: var(--muted); }
.serif { font-family: var(--serif); font-weight: 400; letter-spacing: -.01em; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(10, 13, 18, .78);
  backdrop-filter: saturate(160%) blur(14px);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid rgba(35, 48, 64, .6);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 19px; letter-spacing: -.02em; }
.brand svg { width: 32px; height: 32px; flex: none; }
.brand b { color: var(--gold); font-weight: 800; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
  padding: 8px 14px; border-radius: 999px; color: var(--muted); font-size: 15px; font-weight: 500;
  transition: color .15s, background .15s;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--text); background: var(--card); }
.nav-links .btn { margin-left: 8px; }
.menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: 10px; width: 42px; height: 42px; cursor: pointer; }
.menu-btn span { display: block; width: 18px; height: 2px; background: var(--text); margin: 4px auto; border-radius: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px; border: 1px solid transparent;
  font-weight: 700; font-size: 15px; cursor: pointer; white-space: nowrap;
  transition: transform .15s, box-shadow .2s, background .2s, border-color .2s;
}
.btn:active { transform: translateY(1px); }
.btn-gold { background: linear-gradient(135deg, var(--gold-2), var(--gold)); color: #1a1405; box-shadow: 0 10px 30px -10px rgba(242, 193, 78, .55); }
.btn-gold:hover { box-shadow: 0 14px 40px -10px rgba(242, 193, 78, .75); }
.btn-ghost { background: transparent; border-color: var(--line-2); color: var(--text); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-lg { padding: 16px 28px; font-size: 16px; }
.btn-sm { padding: 8px 16px; font-size: 14px; }
.btn-block { width: 100%; }

/* ---------- Hero ---------- */
.hero { position: relative; padding: 72px 0 40px; text-align: center; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: -40% -10% auto; height: 700px; z-index: -1;
  background:
    radial-gradient(600px 300px at 50% 30%, rgba(242, 193, 78, .16), transparent 70%),
    radial-gradient(500px 300px at 85% 10%, rgba(61, 220, 151, .10), transparent 70%),
    radial-gradient(500px 300px at 10% 20%, rgba(108, 182, 255, .08), transparent 70%);
}
.hero-grid {
  position: absolute; inset: 0; z-index: -1; opacity: .35;
  background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at 50% 0%, #000 20%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse at 50% 0%, #000 20%, transparent 70%);
}
.pill {
  display: inline-flex; align-items: center; gap: 8px; padding: 6px 14px; border-radius: 999px;
  background: rgba(242, 193, 78, .1); border: 1px solid rgba(242, 193, 78, .3);
  color: var(--gold-2); font-size: 13px; font-weight: 600; letter-spacing: .02em;
}
.pill .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--mint); box-shadow: 0 0 0 4px rgba(61, 220, 151, .2); }
h1, h2, h3 { margin: 0; line-height: 1.1; letter-spacing: -.02em; }
.hero h1 { font-size: clamp(40px, 7vw, 76px); font-weight: 800; margin: 22px auto 18px; max-width: 900px; }
.hero h1 .serif { font-style: italic; color: var(--gold); font-size: 1.08em; }
.hero p.lead { font-size: clamp(17px, 2vw, 20px); color: var(--muted); max-width: 640px; margin: 0 auto; }
.hero-cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }
.hero-stats { display: flex; justify-content: center; gap: 36px; flex-wrap: wrap; margin-top: 36px; color: var(--muted); font-size: 14px; }
.hero-stats strong { display: block; color: var(--text); font-size: 26px; font-weight: 800; letter-spacing: -.02em; }

/* Page hero (tool pages) */
.page-hero { padding: 56px 0 28px; text-align: center; position: relative; }
.page-hero::before {
  content: ""; position: absolute; inset: 0 0 auto; height: 380px; z-index: -1;
  background: radial-gradient(500px 240px at 50% 0%, rgba(242, 193, 78, .13), transparent 70%);
}
.page-hero h1 { font-size: clamp(34px, 5.5vw, 58px); font-weight: 800; margin: 16px auto 14px; max-width: 820px; }
.page-hero h1 .serif { font-style: italic; color: var(--gold); }
.page-hero p { color: var(--muted); font-size: 18px; max-width: 620px; margin: 0 auto; }
.crumbs { font-size: 14px; color: var(--faint); }
.crumbs a:hover { color: var(--gold); }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 44px; }
.eyebrow { color: var(--gold); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.section-head h2 { font-size: clamp(30px, 4.5vw, 48px); font-weight: 800; margin: 12px 0; }
.section-head h2 .serif { font-style: italic; color: var(--gold); }
.section-head p { color: var(--muted); font-size: 18px; margin: 0; }
.alt { background: linear-gradient(180deg, var(--bg-2), var(--bg)); border-top: 1px solid var(--line); }

/* ---------- Cards ---------- */
.card {
  background: linear-gradient(180deg, var(--card), var(--bg-2));
  border: 1px solid var(--line); border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow);
}

/* ---------- Calculator ---------- */
.calc { max-width: 1000px; margin: 0 auto; text-align: left; }
.calc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.calc-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.field label { display: block; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.field .hint { font-size: 12px; color: var(--faint); margin-top: 6px; }
.input {
  display: flex; align-items: center; background: var(--bg); border: 1px solid var(--line-2);
  border-radius: var(--radius-sm); transition: border-color .15s, box-shadow .15s;
}
.input:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(242, 193, 78, .14); }
.input span { padding: 0 14px; color: var(--faint); font-weight: 600; }
.input input, .input select {
  flex: 1; min-width: 0; background: transparent; border: 0; outline: 0; padding: 14px 14px;
  font-size: 18px; font-weight: 700; font-variant-numeric: tabular-nums;
}
.input span + input { padding-left: 0; }
.input input + span { padding-left: 0; }
.input select { cursor: pointer; appearance: none; -webkit-appearance: none; }
.input select option { background: var(--card); }
input[type=number]::-webkit-inner-spin-button, input[type=number]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
input[type=number] { -moz-appearance: textfield; }

.adv { margin-top: 16px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: rgba(10, 13, 18, .4); }
.adv summary { cursor: pointer; padding: 14px 18px; font-weight: 600; color: var(--muted); list-style: none; display: flex; justify-content: space-between; align-items: center; }
.adv summary::-webkit-details-marker { display: none; }
.adv summary::after { content: "+"; font-size: 20px; color: var(--gold); transition: transform .2s; }
.adv[open] summary::after { transform: rotate(45deg); }
.adv .calc-grid { padding: 0 18px 18px; }
.check { display: flex; align-items: center; gap: 10px; color: var(--muted); font-size: 15px; cursor: pointer; padding-top: 22px; }
.check input { width: 18px; height: 18px; accent-color: var(--gold); }

.calc-actions { margin-top: 22px; }
.disclaimer { font-size: 13px; color: var(--faint); margin: 16px 0 0; text-align: center; }

/* Results */
.results { margin-top: 28px; display: none; }
.results.show { display: block; animation: rise .5s ease both; }
@keyframes rise { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.results-head { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: 10px; margin-bottom: 18px; }
.results-head h3 { font-size: 26px; }
.results-head p { margin: 4px 0 0; color: var(--muted); font-size: 14px; }

.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.stats.cols-3 { grid-template-columns: repeat(3, 1fr); }
.stats.cols-2 { grid-template-columns: repeat(2, 1fr); }
.stat { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 18px; }
.stat .k { font-size: 11px; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: var(--faint); }
.stat .v { font-size: 26px; font-weight: 800; letter-spacing: -.02em; margin-top: 4px; font-variant-numeric: tabular-nums; }
.stat .s { font-size: 13px; color: var(--muted); }
.stat.hl { border-color: rgba(242, 193, 78, .45); background: linear-gradient(180deg, rgba(242, 193, 78, .1), var(--bg)); }
.stat.hl .v { color: var(--gold); }
.stat.good .v { color: var(--mint); }
.stat.bad .v { color: var(--rose); }

.insight {
  margin-top: 14px; padding: 16px 18px; border-radius: var(--radius-sm);
  background: rgba(61, 220, 151, .08); border: 1px solid rgba(61, 220, 151, .3); color: #cdf5e3; font-size: 15px;
}
.insight strong { color: var(--mint); }

/* Milestone track */
.track { margin-top: 18px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.track::before { content: ""; position: absolute; left: 12.5%; right: 12.5%; top: 17px; height: 2px; background: linear-gradient(90deg, var(--mint), var(--gold)); opacity: .5; }
.ms { text-align: center; position: relative; }
.ms .b { width: 36px; height: 36px; border-radius: 50%; margin: 0 auto 8px; display: grid; place-items: center; background: var(--card-2); border: 2px solid var(--gold); color: var(--gold); font-weight: 800; font-size: 13px; position: relative; }
.ms .b.no { border-color: var(--line-2); color: var(--faint); }
.ms .t { font-weight: 800; font-size: 18px; }
.ms .a { color: var(--muted); font-size: 13px; }

/* Chart */
.chart-box { margin-top: 18px; background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 12px 8px; position: relative; }
.chart-legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: 13px; color: var(--muted); padding: 0 8px 8px; }
.chart-legend i { display: inline-block; width: 12px; height: 3px; border-radius: 2px; margin-right: 6px; vertical-align: middle; }
.chart svg { width: 100%; height: auto; display: block; overflow: visible; }
.chart .grid line { stroke: var(--line); stroke-dasharray: 3 4; }
.chart .axis text { fill: var(--faint); font-size: 11px; font-family: var(--sans); }
.chart-tip {
  position: absolute; pointer-events: none; background: var(--card-2); border: 1px solid var(--line-2);
  border-radius: 10px; padding: 10px 12px; font-size: 13px; box-shadow: var(--shadow); opacity: 0;
  transition: opacity .12s; min-width: 150px; z-index: 5;
}
.chart-tip b { display: block; margin-bottom: 4px; }
.chart-tip div { display: flex; justify-content: space-between; gap: 14px; color: var(--muted); }
.chart-tip div span:last-child { color: var(--text); font-weight: 700; font-variant-numeric: tabular-nums; }

/* Table */
.table-wrap { margin-top: 18px; overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-sm); max-height: 420px; }
table { width: 100%; border-collapse: collapse; font-size: 14px; font-variant-numeric: tabular-nums; }
th, td { padding: 10px 14px; text-align: right; white-space: nowrap; border-bottom: 1px solid var(--line); }
th:first-child, td:first-child { text-align: left; }
thead th { position: sticky; top: 0; background: var(--card-2); color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .06em; font-weight: 700; }
tbody tr:hover { background: rgba(255, 255, 255, .02); }

.share-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; justify-content: center; }

/* ---------- Tools grid ---------- */
.tools { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.tool {
  position: relative; display: flex; flex-direction: column; padding: 26px; border-radius: var(--radius);
  background: linear-gradient(180deg, var(--card), var(--bg-2)); border: 1px solid var(--line);
  transition: transform .2s, border-color .2s, box-shadow .2s;
}
.tool:hover { transform: translateY(-4px); border-color: rgba(242, 193, 78, .5); box-shadow: 0 24px 50px -24px rgba(242, 193, 78, .3); }
.tool .ic { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: rgba(242, 193, 78, .12); color: var(--gold); margin-bottom: 18px; }
.tool .ic svg { width: 24px; height: 24px; }
.tool h3 { font-size: 20px; margin-bottom: 8px; }
.tool p { color: var(--muted); margin: 0 0 18px; font-size: 15px; flex: 1; }
.tool .go { color: var(--gold); font-weight: 700; font-size: 14px; }
.tool .tag { position: absolute; top: 20px; right: 20px; font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; background: rgba(61, 220, 151, .12); color: var(--mint); }

/* ---------- Channels ---------- */
.channels { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; }
.channel {
  display: flex; align-items: center; gap: 14px; padding: 16px; border-radius: var(--radius);
  background: var(--card); border: 1px solid var(--line); transition: border-color .2s, transform .2s;
}
.channel:hover { border-color: #ff4e45; transform: translateY(-2px); }
.channel img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; flex: none; border: 2px solid var(--line-2); }
.channel .n { font-weight: 700; line-height: 1.25; }
.channel .h { color: var(--faint); font-size: 13px; }
.channel .yt { margin-left: auto; flex: none; color: #ff4e45; }
.channel .yt svg { width: 26px; height: 26px; }

/* ---------- Sponsor ---------- */
.sponsor-box {
  display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center;
  padding: 48px; border-radius: 28px; position: relative; overflow: hidden;
  background: radial-gradient(500px 300px at 100% 0%, rgba(242, 193, 78, .18), transparent 70%), linear-gradient(180deg, var(--card), var(--bg-2));
  border: 1px solid rgba(242, 193, 78, .3);
}
.sponsor-box h2 { font-size: clamp(30px, 4vw, 44px); font-weight: 800; margin: 10px 0 14px; }
.sponsor-box h2 .serif { font-style: italic; color: var(--gold); }
.sponsor-box p { color: var(--muted); font-size: 17px; margin: 0 0 22px; }
.ticks { list-style: none; padding: 0; margin: 0 0 26px; display: grid; gap: 10px; }
.ticks li { display: flex; gap: 10px; align-items: flex-start; }
.ticks li::before { content: ""; flex: none; width: 20px; height: 20px; margin-top: 2px; border-radius: 50%; background: rgba(61, 220, 151, .15) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233ddc97' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat; }
.mail-card { background: var(--bg); border: 1px solid var(--line-2); border-radius: var(--radius); padding: 26px; text-align: center; }
.mail-card .k { font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--faint); font-weight: 700; }
.mail-card .m { display: block; font-size: clamp(18px, 2.4vw, 24px); font-weight: 800; color: var(--gold); margin: 10px 0 18px; word-break: break-all; }
.avatars { display: flex; justify-content: center; margin-bottom: 18px; }
.avatars img { width: 42px; height: 42px; border-radius: 50%; border: 2px solid var(--bg); margin-left: -10px; object-fit: cover; }
.avatars img:first-child { margin-left: 0; }

.formats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.format { padding: 24px; border-radius: var(--radius); background: var(--card); border: 1px solid var(--line); }
.format .ic { font-size: 26px; margin-bottom: 12px; }
.format h3 { font-size: 18px; margin-bottom: 6px; }
.format p { color: var(--muted); font-size: 14px; margin: 0; }

.steps { counter-reset: s; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.step { padding: 24px; border-radius: var(--radius); background: var(--card); border: 1px solid var(--line); }
.step::before { counter-increment: s; content: counter(s); display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: #1a1405; font-weight: 800; margin-bottom: 14px; }
.step h3 { font-size: 18px; margin-bottom: 6px; }
.step p { color: var(--muted); margin: 0; font-size: 15px; }

/* ---------- Why / features ---------- */
.why { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.why div { padding: 22px; border-radius: var(--radius); background: var(--card); border: 1px solid var(--line); }
.why b { display: block; font-size: 17px; margin: 10px 0 6px; }
.why p { margin: 0; color: var(--muted); font-size: 14px; }
.why .e { font-size: 24px; }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin: 0 auto; display: grid; gap: 10px; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--card); }
.faq summary { cursor: pointer; padding: 18px 22px; font-weight: 700; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold); font-size: 22px; line-height: 1; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { margin: 0; padding: 0 22px 18px; color: var(--muted); }

/* ---------- Prose (legal) ---------- */
.prose { max-width: 760px; margin: 0 auto; }
.prose h2 { font-size: 24px; margin: 36px 0 10px; }
.prose p, .prose li { color: var(--muted); }
.prose a { color: var(--gold); }

/* ---------- Debt table inputs ---------- */
.debt-rows { display: grid; gap: 10px; }
.debt-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 44px; gap: 10px; align-items: end; }
.debt-row .input input { font-size: 16px; padding: 12px; }
.icon-btn { width: 44px; height: 48px; border-radius: var(--radius-sm); border: 1px solid var(--line-2); background: var(--bg); color: var(--faint); cursor: pointer; font-size: 20px; }
.icon-btn:hover { color: var(--rose); border-color: var(--rose); }
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.compare .card { padding: 22px; box-shadow: none; }
.compare h4 { margin: 0 0 4px; font-size: 18px; }
.compare .win { border-color: rgba(61, 220, 151, .5); }
.badge { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 3px 9px; border-radius: 999px; background: rgba(61, 220, 151, .15); color: var(--mint); margin-left: 6px; vertical-align: middle; }
.order { margin: 12px 0 0; padding-left: 20px; color: var(--muted); font-size: 14px; }

/* ---------- CTA band ---------- */
.cta-band { text-align: center; padding: 56px 24px; border-radius: 28px; background: radial-gradient(500px 240px at 50% 0%, rgba(242, 193, 78, .2), transparent 70%), var(--card); border: 1px solid var(--line); }
.cta-band h2 { font-size: clamp(28px, 4vw, 42px); font-weight: 800; margin-bottom: 12px; }
.cta-band h2 .serif { font-style: italic; color: var(--gold); }
.cta-band p { color: var(--muted); margin: 0 auto 24px; max-width: 560px; font-size: 17px; }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line); padding: 56px 0 32px; margin-top: 40px; background: var(--bg-2); }
.foot { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; }
.foot h4 { margin: 0 0 14px; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--faint); }
.foot ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.foot a { color: var(--muted); font-size: 15px; }
.foot a:hover { color: var(--gold); }
.foot p { color: var(--muted); font-size: 15px; margin: 14px 0; max-width: 340px; }
.legal { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--line); color: var(--faint); font-size: 13px; }
.legal p { margin: 0 0 10px; }

.toast {
  position: fixed; left: 50%; bottom: 24px; transform: translate(-50%, 20px); opacity: 0;
  background: var(--mint); color: #062015; font-weight: 700; padding: 12px 20px; border-radius: 999px;
  transition: opacity .2s, transform .2s; z-index: 100; pointer-events: none;
}
.toast.show { opacity: 1; transform: translate(-50%, 0); }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .tools { grid-template-columns: repeat(2, 1fr); }
  .why, .formats { grid-template-columns: repeat(2, 1fr); }
  .sponsor-box { grid-template-columns: 1fr; padding: 32px; }
  .foot { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .calc-grid.cols-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  .menu-btn { display: block; }
  .nav-links {
    display: none; position: absolute; top: 68px; left: 0; right: 0; flex-direction: column; align-items: stretch;
    background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 12px 16px 18px; gap: 4px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 14px; }
  .nav-links .btn { margin: 8px 0 0; }
  .steps { grid-template-columns: 1fr; }
  .debt-row { grid-template-columns: 1fr 1fr; }
  .debt-row .field:first-child { grid-column: 1 / -1; }
  .compare { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .wrap { padding: 0 16px; }
  section { padding: 56px 0; }
  .hero { padding: 48px 0 24px; }
  .card { padding: 20px; }
  .calc-grid, .calc-grid.cols-3 { grid-template-columns: 1fr; }
  .tools, .why, .formats { grid-template-columns: 1fr; }
  .stats, .stats.cols-3 { grid-template-columns: 1fr 1fr; }
  .stat .v { font-size: 21px; }
  .track { grid-template-columns: repeat(2, 1fr); row-gap: 18px; }
  .track::before { display: none; }
  .foot { grid-template-columns: 1fr; }
  .sponsor-box { padding: 24px; border-radius: 22px; }
  .hero-stats { gap: 22px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}