:root {
  --bg-primary: #0D1B2A;
  --bg-secondary: #112236;
  --bg-card: #162844;
  --accent-gold: #F4B942;
  --accent-blue: #4A90D9;
  --accent-gold-dim: rgba(244, 185, 66, 0.15);
  --text-primary: #FFFFFF;
  --text-secondary: rgba(255,255,255,0.6);
  --text-muted: rgba(255,255,255,0.35);
  --principal-color: #4A90D9;
  --interest-color: #F4B942;
}

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

html {
  scroll-behavior: smooth;
}

body {
  background: var(--bg-primary);
  color: var(--text-primary);
  font-family: 'DM Sans', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* Navbar */
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 60px;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(13, 27, 42, 0.85);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
}

.brand-name {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-weight: 700;
  font-size: 20px;
  letter-spacing: -0.3px;
}

.nav-links {
  display: flex;
  gap: 32px;
}

.nav-links a {
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s;
}

.nav-links a:hover {
  color: var(--text-primary);
}

/* Hero */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  min-height: 100vh;
  padding: 140px 60px 80px;
  align-items: center;
  max-width: 1400px;
  margin: 0 auto;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent-gold-dim);
  border: 1px solid rgba(244, 185, 66, 0.25);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  color: var(--accent-gold);
  letter-spacing: 0.3px;
  width: fit-content;
}

.tag-dot {
  width: 6px;
  height: 6px;
  background: var(--accent-gold);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.7); }
}

.hero-headline {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(42px, 5.5vw, 72px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -1.5px;
  color: var(--text-primary);
}

.hero-headline em {
  font-style: normal;
  color: var(--accent-gold);
}

.hero-sub {
  font-size: 18px;
  color: var(--text-secondary);
  max-width: 440px;
  line-height: 1.6;
}

/* Calc preview box */
.hero-calc-preview {
  margin-top: 8px;
}

.calc-preview-inner {
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 360px;
}

.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.calc-label {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

.calc-val {
  font-size: 15px;
  font-weight: 600;
  color: var(--text-primary);
}

.calc-sub {
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 400;
  margin-left: 4px;
}

.calc-rate {
  color: var(--accent-gold);
}

.rate-live {
  background: rgba(244, 185, 66, 0.2);
  color: var(--accent-gold);
  font-size: 9px;
  font-weight: 700;
  padding: 2px 5px;
  border-radius: 4px;
  letter-spacing: 0.5px;
  margin-left: 6px;
  vertical-align: middle;
}

.calc-divider {
  height: 1px;
  background: rgba(255,255,255,0.08);
  margin: 4px 0;
}

.calc-total {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.total-label {
  font-size: 13px;
  color: var(--text-secondary);
  font-weight: 500;
}

.total-val {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--text-primary);
}

.total-sub {
  font-size: 14px;
  color: var(--text-muted);
  font-weight: 400;
}

/* Hero visual - Chart card */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.chart-card {
  background: var(--bg-secondary);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 20px;
  padding: 24px;
  box-shadow: 0 32px 64px rgba(0,0,0,0.4);
}

.chart-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
}

.chart-title {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
}

.chart-badge {
  background: rgba(74, 144, 217, 0.2);
  color: var(--accent-blue);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 100px;
  letter-spacing: 0.3px;
}

.chart-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 140px;
  padding: 0 4px;
}

.bar-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  gap: 2px;
  height: 100%;
}

.bar {
  width: 100%;
  border-radius: 3px 3px 0 0;
  transition: height 0.3s ease;
}

.bar.principal {
  background: linear-gradient(to top, rgba(74, 144, 217, 0.4), rgba(74, 144, 217, 0.9));
}

.bar.interest {
  background: linear-gradient(to top, rgba(244, 185, 66, 0.3), rgba(244, 185, 66, 0.7));
}

.chart-legend {
  display: flex;
  gap: 20px;
  margin-top: 16px;
  justify-content: flex-end;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: var(--text-muted);
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 2px;
}

.principal-dot {
  background: var(--principal-color);
}

.interest-dot {
  background: var(--interest-color);
}

.chart-stats {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.stat-highlight .stat-val {
  color: #4ade80;
}

.stat-label {
  font-size: 11px;
  color: var(--text-muted);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.stat-val {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
}

/* Hero quote */
.hero-quote {
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 12px;
  padding: 16px 20px;
  border-left: 3px solid var(--accent-gold);
}

.hero-quote p {
  font-size: 14px;
  color: var(--text-secondary);
  font-style: italic;
  line-height: 1.5;
}

.hero-quote span {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 4px;
  display: block;
}

/* Rate ticker */
.rate-ticker {
  background: var(--bg-secondary);
  border-top: 1px solid rgba(255,255,255,0.05);
  border-bottom: 1px solid rgba(255,255,255,0.05);
  padding: 20px 60px;
  display: flex;
  align-items: center;
  gap: 32px;
}

.ticker-label {
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  font-weight: 600;
  white-space: nowrap;
}

.ticker-items {
  display: flex;
  align-items: center;
  gap: 24px;
  flex: 1;
}

.ticker-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.ticker-term {
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.ticker-rate {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
}

.ticker-divider {
  width: 1px;
  height: 32px;
  background: rgba(255,255,255,0.08);
}

.ticker-update {
  font-size: 11px;
  color: var(--text-muted);
  margin-left: auto;
  white-space: nowrap;
}

/* Why section */
.why-section {
  padding: 100px 60px;
  max-width: 1400px;
  margin: 0 auto;
}

.section-label {
  font-size: 11px;
  color: var(--accent-gold);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-weight: 700;
  margin-bottom: 16px;
}

.section-headline {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(28px, 3.5vw, 48px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin-bottom: 56px;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.why-card {
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 16px;
  padding: 32px;
  transition: border-color 0.2s;
}

.why-card:hover {
  border-color: rgba(244, 185, 66, 0.2);
}

.why-icon {
  width: 44px;
  height: 44px;
  background: var(--accent-gold-dim);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.why-card h3 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
}

.why-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Features section */
.features-section {
  padding: 100px 60px;
  background: var(--bg-secondary);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.feature-card {
  padding: 28px;
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.05);
  border-radius: 14px;
  transition: transform 0.2s, border-color 0.2s;
}

.feature-card:hover {
  transform: translateY(-2px);
  border-color: rgba(74, 144, 217, 0.2);
}

.feature-num {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--accent-gold);
  margin-bottom: 14px;
  letter-spacing: 0.5px;
}

.feature-card h4 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 8px;
}

.feature-card p {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* How it works */
.how-it-works {
  padding: 100px 60px;
  max-width: 1400px;
  margin: 0 auto;
}

.steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
}

.step {
  max-width: 300px;
  text-align: center;
}

.step-num {
  width: 52px;
  height: 52px;
  background: var(--accent-gold);
  color: var(--bg-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 22px;
  font-weight: 800;
  margin: 0 auto 18px;
}

.step h3 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
}

.step p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

.step-connector {
  flex-shrink: 0;
  padding: 0 20px;
  margin-top: -20px;
}

/* Closing */
.closing {
  padding: 120px 60px;
  text-align: center;
  background: linear-gradient(180deg, var(--bg-primary) 0%, var(--bg-secondary) 100%);
}

.closing-inner {
  max-width: 680px;
  margin: 0 auto;
}

.closing-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent-gold-dim);
  border: 1px solid rgba(244, 185, 66, 0.25);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  color: var(--accent-gold);
  letter-spacing: 0.3px;
  margin-bottom: 28px;
}

.closing h2 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(32px, 4vw, 56px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -1px;
  margin-bottom: 20px;
}

.closing p {
  font-size: 17px;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* Footer */
.footer {
  padding: 48px 60px 40px;
  border-top: 1px solid rgba(255,255,255,0.06);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  text-align: center;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-weight: 700;
  font-size: 16px;
}

.footer-copy {
  font-size: 13px;
  color: var(--text-secondary);
}

.footer-legal {
  font-size: 11px;
  color: var(--text-muted);
  max-width: 480px;
}

/* Responsive */
@media (max-width: 1024px) {
  .navbar { padding: 16px 32px; }
  .hero { padding: 120px 32px 60px; gap: 48px; }
  .why-section, .how-it-works { padding: 80px 32px; }
  .features-section { padding: 80px 32px; }
  .closing { padding: 80px 32px; }
  .rate-ticker { padding: 16px 32px; gap: 20px; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { flex-direction: column; gap: 40px; }
  .step-connector { display: none; }
}

@media (max-width: 768px) {
  .navbar { padding: 14px 20px; }
  .nav-links { display: none; }
  .hero {
    grid-template-columns: 1fr;
    padding: 100px 20px 60px;
    gap: 48px;
  }
  .hero-visual { display: none; }
  .hero-headline { font-size: 38px; }
  .calc-preview-inner { max-width: 100%; }
  .why-section, .features-section, .how-it-works, .closing { padding: 60px 20px; }
  .why-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .rate-ticker {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 16px 20px;
  }
  .ticker-items { flex-wrap: wrap; }
  .ticker-update { display: none; }
  .footer { padding: 32px 20px 24px; }
}