:root {
  --primary:        #2563eb;
  --primary-dark:   #1d4ed8;
  --primary-light:  #eff6ff;
  --green:          #16a34a;
  --green-light:    #dcfce7;
  --amber:          #b45309;
  --amber-light:    #fef3c7;
  --bg:             #f1f5f9;
  --card:           #ffffff;
  --text:           #0f172a;
  --muted:          #64748b;
  --border:         #e2e8f0;
  --radius:         14px;
  --shadow:         0 1px 3px rgba(0,0,0,.06), 0 4px 20px rgba(0,0,0,.07);
}

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

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  font-size: 16px;
}

.container {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* ── Header ── */
header {
  background: linear-gradient(135deg, #1e3a8a 0%, #2563eb 100%);
  color: #fff;
  padding: 2rem 0 2.25rem;
}

.header-content {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}

h1 {
  font-size: 1.65rem;
  font-weight: 800;
  letter-spacing: -.02em;
}

.subtitle {
  margin-top: .3rem;
  opacity: .8;
  font-size: .9rem;
  max-width: 480px;
}

.tax-year-badge {
  flex-shrink: 0;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 100px;
  padding: .3rem 1rem;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .04em;
  margin-top: .2rem;
  text-transform: uppercase;
}

/* ── Main ── */
main { padding: 2rem 0 3rem; }

/* ── Cards ── */
.card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  margin-bottom: 1.25rem;
}

.card h2 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: var(--text);
}

/* ── Form ── */
#input-card { margin-bottom: 1.25rem; }

.form-section {
  padding-bottom: 1.5rem;
  margin-bottom: 1.5rem;
  border-bottom: 1px solid var(--border);
}
.form-section:last-of-type {
  border-bottom: none;
  margin-bottom: .25rem;
  padding-bottom: 0;
}

.section-label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--muted);
  margin-bottom: 1rem;
  display: block;
}

.field { margin-bottom: .875rem; }
.field:last-of-type { margin-bottom: 0; }

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .875rem;
  margin-bottom: .875rem;
}

label {
  display: flex;
  align-items: center;
  gap: .35rem;
  font-size: .875rem;
  font-weight: 600;
  margin-bottom: .35rem;
  color: var(--text);
}

.input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--border);
  border-radius: 9px;
  overflow: hidden;
  background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
.input-wrap:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}

.prefix {
  background: #f8fafc;
  border-right: 1.5px solid var(--border);
  padding: .65rem .8rem;
  font-weight: 700;
  color: var(--muted);
  font-size: .9rem;
  line-height: 1;
  user-select: none;
  flex-shrink: 0;
}

input[type="number"],
input[type="text"] {
  flex: 1;
  min-width: 0;
  border: none;
  outline: none;
  padding: .65rem .875rem;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: transparent;
  -moz-appearance: textfield;
}
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; }

.hint {
  font-size: .78rem;
  color: var(--muted);
  margin-top: .35rem;
  line-height: 1.4;
}

/* ── Select ── */
.select-wrap {
  position: relative;
  display: inline-flex;
  align-items: center;
  width: 100%;
}
.select-wrap select {
  appearance: none;
  -webkit-appearance: none;
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: 9px;
  padding: .65rem 2.5rem .65rem .875rem;
  font-size: .925rem;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  cursor: pointer;
  outline: none;
  transition: border-color .15s, box-shadow .15s;
}
.select-wrap select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.12);
}
.select-arrow {
  position: absolute;
  right: .875rem;
  pointer-events: none;
  color: var(--muted);
  display: flex;
}

/* ── Info / help buttons ── */
.info-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--border);
  border: none;
  cursor: pointer;
  font-size: .7rem;
  font-weight: 700;
  color: var(--muted);
  flex-shrink: 0;
  transition: background .15s, color .15s;
  padding: 0;
  line-height: 1;
}
.info-btn:hover { background: var(--primary); color: #fff; }

.text-link-btn {
  background: none;
  border: none;
  cursor: pointer;
  font-size: .78rem;
  font-weight: 600;
  color: var(--primary);
  padding: 0;
  font-family: inherit;
  margin-left: auto;
  text-decoration: underline;
  text-decoration-color: transparent;
  transition: text-decoration-color .15s;
}
.text-link-btn:hover { text-decoration-color: var(--primary); }

/* ── Expense method selector ── */
.expense-method-label {
  font-size: .875rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: .625rem;
  display: flex;
  align-items: center;
  gap: .35rem;
}

.method-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .625rem;
  margin-bottom: .25rem;
}

.method-card {
  display: flex;
  align-items: flex-start;
  gap: .625rem;
  border: 1.5px solid var(--border);
  border-radius: 9px;
  padding: .75rem;
  cursor: pointer;
  transition: border-color .15s, background .15s;
  user-select: none;
}
.method-card input[type="radio"] { display: none; }
.method-card:has(input:checked) {
  border-color: var(--primary);
  background: var(--primary-light);
}
.method-card .method-content {
  display: flex;
  flex-direction: column;
  gap: .1rem;
}
.method-card strong {
  font-size: .85rem;
  color: var(--text);
  font-weight: 700;
}
.method-card span {
  font-size: .775rem;
  color: var(--muted);
  line-height: 1.35;
}

/* Fallback for browsers without :has() */
.method-card.selected {
  border-color: var(--primary);
  background: var(--primary-light);
}

/* ── Profit preview ── */
.profit-preview {
  display: none;
  background: var(--primary-light);
  border: 1px solid #bfdbfe;
  border-radius: 8px;
  padding: .55rem .875rem;
  font-size: .85rem;
  color: var(--primary);
  margin-top: .75rem;
}
.profit-preview.visible { display: block; }

/* ── Toggle ── */
.toggle-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.toggle {
  position: relative;
  display: inline-block;
  width: 46px;
  height: 26px;
  cursor: pointer;
  flex-shrink: 0;
}
.toggle input { opacity: 0; width: 0; height: 0; position: absolute; }
.toggle-slider {
  position: absolute;
  inset: 0;
  background: #cbd5e1;
  border-radius: 100px;
  transition: background .2s;
}
.toggle-slider::before {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  background: #fff;
  border-radius: 50%;
  top: 3px;
  left: 3px;
  transition: transform .2s;
  box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
.toggle input:checked + .toggle-slider { background: var(--primary); }
.toggle input:checked + .toggle-slider::before { transform: translateX(20px); }

/* ── Button ── */
.btn-primary {
  display: block;
  width: 100%;
  background: var(--primary);
  color: #fff;
  border: none;
  border-radius: 9px;
  padding: .9rem 1.5rem;
  font-size: .975rem;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  transition: background .15s, box-shadow .15s;
  margin-top: 1.25rem;
  box-shadow: 0 2px 8px rgba(37,99,235,.3);
}
.btn-primary:hover { background: var(--primary-dark); box-shadow: 0 4px 12px rgba(37,99,235,.35); }
.btn-primary:active { transform: scale(.99); }

/* ── Error ── */
.error-msg {
  background: #fee2e2;
  color: #991b1b;
  border-radius: 8px;
  padding: .6rem .9rem;
  font-size: .85rem;
  font-weight: 500;
  margin-top: .75rem;
}

/* ── Year note ── */
.year-note {
  background: #fef3c7;
  border: 1px solid #fcd34d;
  border-radius: 10px;
  padding: .75rem 1rem;
  font-size: .83rem;
  color: #92400e;
  margin-bottom: 1.25rem;
  line-height: 1.5;
}
.year-note::before { content: 'Note: '; font-weight: 700; }

/* ── Summary Grid ── */
.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: .875rem;
  margin-bottom: 1.25rem;
}

.summary-card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.1rem;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: .2rem;
}

.highlight-card {
  background: linear-gradient(135deg, #1e3a8a, #2563eb);
  color: #fff;
}
.highlight-card .summary-label { color: rgba(255,255,255,.75); }
.highlight-card .summary-sub   { color: rgba(255,255,255,.65); }

.summary-label {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--muted);
}
.summary-value {
  font-size: 1.65rem;
  font-weight: 800;
  letter-spacing: -.02em;
  line-height: 1.1;
  margin-top: .1rem;
}
.summary-value.neutral { color: var(--text); }
.summary-value.blue    { color: var(--primary); }
.summary-value.amber   { color: var(--amber); }
.summary-value.green   { color: #fff; }
.summary-sub { font-size: .75rem; color: var(--muted); margin-top: .1rem; }

/* ── Save Banner ── */
.save-banner {
  background: linear-gradient(135deg, #1e3a8a, #2563eb);
  color: #fff;
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.save-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  background: rgba(255,255,255,.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.save-banner strong { font-size: 1.05rem; display: block; }
.save-banner p { font-size: .825rem; opacity: .8; margin-top: .15rem; }

/* ── Breakdown ── */
.breakdown-section {
  padding-bottom: 1.25rem;
  margin-bottom: 1.25rem;
  border-bottom: 1px solid var(--border);
}
.breakdown-section:last-child {
  padding-bottom: 0;
  margin-bottom: 0;
  border-bottom: none;
}

.breakdown-heading {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--muted);
  margin-bottom: .875rem;
  display: flex;
  align-items: center;
  gap: .5rem;
  flex-wrap: wrap;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .45rem 0;
  font-size: .9rem;
  border-bottom: 1px solid var(--border);
}
.breakdown-row:last-child { border-bottom: none; }
.breakdown-row.subtotal {
  font-weight: 700;
  font-size: .925rem;
  padding-top: .625rem;
  border-top: 2px solid var(--border) !important;
}
.breakdown-row.deduction { color: var(--muted); font-style: italic; font-size: .875rem; }

/* ── Pills ── */
.pill {
  display: inline-block;
  padding: .15rem .6rem;
  border-radius: 100px;
  font-size: .65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  line-height: 1.5;
}
.pill-green { background: var(--green-light); color: var(--green); }
.pill-amber { background: var(--amber-light); color: var(--amber); }

/* ── Colour helpers ── */
.text-green { color: var(--green); font-weight: 600; }
.text-amber { color: var(--amber); font-weight: 600; }
.muted-text { color: var(--muted); }

/* ── Notes ── */
.notes-card h3 { font-size: .95rem; font-weight: 700; margin-bottom: .875rem; }
.notes-card ul { list-style: none; display: flex; flex-direction: column; gap: .6rem; }
.notes-card li {
  font-size: .825rem;
  color: var(--muted);
  padding-left: 1.1rem;
  position: relative;
  line-height: 1.5;
}
.notes-card li::before { content: '›'; position: absolute; left: 0; color: var(--primary); font-weight: 700; }

/* ── Page title ── */
.page-title {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--text);
  margin: 2rem 0 1rem;
}

/* ── Intro block ── */
.intro-block {
  background: var(--card);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow);
  margin-bottom: 1.25rem;
  border-left: 4px solid var(--primary);
}
.intro-block p {
  font-size: .9rem;
  color: var(--muted);
  line-height: 1.65;
  margin-bottom: .75rem;
}
.intro-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: .35rem;
}
.intro-list li {
  font-size: .85rem;
  color: var(--text);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}
.intro-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
  font-size: .8rem;
}

/* ── FAQ section ── */
.faq-section {
  background: var(--card);
  border-top: 1px solid var(--border);
  padding: 3rem 0 3.5rem;
  margin-top: 1rem;
}
.faq-section h2 {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -.02em;
  margin-bottom: .5rem;
  color: var(--text);
}
.faq-intro {
  font-size: .9rem;
  color: var(--muted);
  margin-bottom: 2rem;
}
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
}
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  transition: border-color .15s;
}
.faq-item[open] { border-color: var(--primary); }
.faq-item summary {
  font-size: .9rem;
  font-weight: 600;
  color: var(--text);
  padding: 1rem 1.1rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: .75rem;
  line-height: 1.4;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform .2s;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item[open] summary { border-bottom: 1px solid var(--border); }
.faq-body {
  padding: 1rem 1.1rem;
  display: flex;
  flex-direction: column;
  gap: .625rem;
}
.faq-body p {
  font-size: .85rem;
  color: var(--muted);
  line-height: 1.65;
}
.faq-body ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: .3rem;
  padding-left: .25rem;
}
.faq-body li {
  font-size: .84rem;
  color: var(--muted);
  padding-left: 1rem;
  position: relative;
  line-height: 1.5;
}
.faq-body li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--primary);
}

/* ── Footer ── */
footer {
  background: var(--card);
  border-top: 1px solid var(--border);
  padding: 1.25rem 0;
  text-align: center;
  color: var(--muted);
  font-size: .78rem;
}

/* ── Modals ── */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,.5);
  backdrop-filter: blur(2px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 100;
  padding: 1rem;
}

.modal-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 1.75rem;
  max-width: 480px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,.2);
}
.modal-card--wide { max-width: 620px; }

.modal-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 1rem;
  padding-right: 2rem;
}
.modal-card p {
  font-size: .875rem;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: .875rem;
}
.modal-card p:last-child { margin-bottom: 0; }

.modal-close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  background: var(--bg);
  border: none;
  border-radius: 50%;
  width: 30px;
  height: 30px;
  font-size: 1.1rem;
  cursor: pointer;
  color: var(--muted);
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
  transition: background .15s, color .15s;
}
.modal-close:hover { background: var(--border); color: var(--text); }

.modal-note {
  background: var(--primary-light);
  border-radius: 8px;
  padding: .625rem .875rem;
  font-size: .8rem !important;
  color: var(--primary) !important;
  margin-top: 1rem !important;
}

/* Tax code table */
.modal-table { display: flex; flex-direction: column; gap: .375rem; margin: .875rem 0; }
.modal-row {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  font-size: .85rem;
  padding: .5rem .625rem;
  border-radius: 7px;
  background: var(--bg);
}
.modal-code {
  font-family: monospace;
  font-size: .85rem;
  font-weight: 700;
  color: var(--primary);
  min-width: 60px;
  flex-shrink: 0;
}

/* Trading allowance split */
.modal-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
  margin: .875rem 0;
}
.modal-split-col {
  border-radius: 9px;
  padding: .875rem;
  font-size: .825rem;
}
.modal-split-col strong { display: block; font-size: .8rem; margin-bottom: .5rem; }
.modal-split-col ul { list-style: none; display: flex; flex-direction: column; gap: .3rem; }
.modal-split-col li { position: relative; padding-left: .875rem; color: var(--muted); line-height: 1.4; }
.modal-split-col li::before { position: absolute; left: 0; }
.modal-split-col.good { background: #f0fdf4; }
.modal-split-col.good strong { color: var(--green); }
.modal-split-col.good li::before { content: '✓'; color: var(--green); font-size: .75rem; }
.modal-split-col.bad { background: #fff7ed; }
.modal-split-col.bad strong { color: #c2410c; }
.modal-split-col.bad li::before { content: '✗'; color: #c2410c; font-size: .75rem; }

/* Expenses grid */
.expenses-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .625rem;
  margin: .875rem 0;
}
.expense-item {
  background: var(--bg);
  border-radius: 9px;
  padding: .75rem;
  display: flex;
  flex-direction: column;
  gap: .25rem;
}
.expense-item strong { font-size: .83rem; color: var(--text); }
.expense-item span   { font-size: .78rem; color: var(--muted); line-height: 1.4; }
.expense-item--no { background: #fff1f2; grid-column: 1 / -1; }
.expense-item--no strong { color: #be123c; }

/* ── Site nav ── */
.header-right {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: .5rem;
}
.site-nav {
  display: flex;
  gap: .5rem;
}
.site-nav a {
  color: rgba(255,255,255,.8);
  text-decoration: none;
  font-size: .8rem;
  font-weight: 600;
  padding: .35rem .875rem;
  border-radius: 100px;
  border: 1px solid rgba(255,255,255,.25);
  transition: all .15s;
}
.site-nav a:hover {
  color: #fff;
  background: rgba(255,255,255,.15);
  border-color: rgba(255,255,255,.45);
}
.site-nav a.active {
  color: #fff;
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.5);
}
.site-title-link { text-decoration: none; color: inherit; }
.site-logo {
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: #fff;
}
.intro-guides-link {
  display: inline-block;
  margin-top: .875rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--primary);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color .15s;
}
.intro-guides-link:hover { border-color: var(--primary); }

/* ── Article layout ── */
.article-wrap {
  max-width: 680px;
  margin: 2.5rem auto 3rem;
}
.article-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.25rem;
  font-size: .8rem;
  color: var(--muted);
}
.back-link {
  color: var(--primary);
  text-decoration: none;
  font-weight: 600;
  font-size: .85rem;
}
.back-link:hover { text-decoration: underline; }
.article-date { color: var(--muted); }
.article-title {
  font-size: 1.75rem;
  font-weight: 800;
  letter-spacing: -.02em;
  line-height: 1.2;
  margin-bottom: 1.25rem;
  color: var(--text);
}
.article-intro {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 1.25rem;
  border-left: 3px solid var(--primary);
  padding-left: 1rem;
}
.article-wrap h2 {
  font-size: 1.2rem;
  font-weight: 700;
  margin: 2rem 0 .75rem;
  color: var(--text);
}
.article-wrap p {
  font-size: .925rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: .875rem;
}
.article-list {
  list-style: none;
  margin: .5rem 0 1rem;
  display: flex;
  flex-direction: column;
  gap: .4rem;
}
.article-list li {
  font-size: .9rem;
  color: var(--muted);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}
.article-list li::before {
  content: '›';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: 700;
}
.example-box {
  background: var(--primary-light);
  border: 1px solid #bfdbfe;
  border-radius: 10px;
  padding: 1.1rem 1.25rem;
  margin: 1rem 0 1.25rem;
}
.example-box strong {
  display: block;
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--primary);
  margin-bottom: .625rem;
}
.example-box p, .example-box li {
  font-size: .875rem;
  color: #1e40af;
}
.example-box ul {
  list-style: none;
  margin: .5rem 0;
  display: flex;
  flex-direction: column;
  gap: .3rem;
  padding-left: .5rem;
}
.example-box li { padding-left: 1rem; position: relative; }
.example-box li::before { content: '–'; position: absolute; left: 0; }

.article-cta {
  background: linear-gradient(135deg, #1e3a8a, #2563eb);
  color: #fff;
  border-radius: var(--radius);
  padding: 1.5rem;
  margin: 2rem 0;
}
.article-cta--bottom { margin-top: 2.5rem; }
.article-cta strong { display: block; font-size: 1rem; margin-bottom: .4rem; }
.article-cta p { font-size: .875rem; opacity: .85; margin-bottom: 1rem; color: #fff; }
.cta-btn {
  display: inline-block;
  background: #fff;
  color: var(--primary);
  font-weight: 700;
  font-size: .875rem;
  padding: .6rem 1.25rem;
  border-radius: 8px;
  text-decoration: none;
  transition: opacity .15s;
}
.cta-btn:hover { opacity: .9; }
.article-disclaimer {
  font-size: .78rem;
  color: var(--muted);
  border-top: 1px solid var(--border);
  padding-top: 1.25rem;
  margin-top: 2rem;
  line-height: 1.6;
}

/* ── Blog listing ── */
.blog-header {
  padding: 2.5rem 0 1.75rem;
}
.blog-header h2 {
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: -.02em;
  margin-bottom: .5rem;
}
.blog-header p {
  font-size: .925rem;
  color: var(--muted);
  max-width: 540px;
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1rem;
  margin-bottom: 2.5rem;
}
.blog-card {
  background: var(--card);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: .625rem;
  border: 1.5px solid transparent;
  transition: border-color .15s, box-shadow .15s;
}
.blog-card:hover {
  border-color: var(--primary);
  box-shadow: 0 4px 20px rgba(37,99,235,.12);
}
.blog-card-tag {
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--primary);
}
.blog-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.35;
}
.blog-card p {
  font-size: .85rem;
  color: var(--muted);
  line-height: 1.55;
  flex: 1;
}
.blog-card-read {
  font-size: .83rem;
  font-weight: 600;
  color: var(--primary);
  margin-top: .25rem;
}
.blog-cta-strip {
  background: var(--card);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 3rem;
  flex-wrap: wrap;
}
.blog-cta-strip strong { font-size: .975rem; }

/* ── Utilities ── */
.hidden { display: none !important; }

/* ── Responsive ── */
@media (min-width: 600px) {
  h1 { font-size: 2rem; }
  .summary-grid { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 660px) {
  .faq-grid { grid-template-columns: 1fr; }
}

@media (max-width: 520px) {
  .card { padding: 1.25rem; }
  .field-row { grid-template-columns: 1fr; }
  .method-options { grid-template-columns: 1fr; }
  .summary-value { font-size: 1.35rem; }
  .save-banner { flex-direction: column; text-align: center; }
  .save-icon { margin: 0 auto; }
  .modal-split { grid-template-columns: 1fr; }
  .expenses-grid { grid-template-columns: 1fr; }
  .faq-section h2 { font-size: 1.2rem; }
  .intro-block { padding: 1rem 1.1rem; }
}