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

body { 
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; 
    line-height: 1.6; 
    color: #333; 
    background: #ffffff; 
}

.main-header { 
    background: rgba(255, 255, 255, 0.95); 
    backdrop-filter: blur(20px); 
    border-bottom: 1px solid rgba(0, 0, 0, 0.1); 
    position: sticky; 
    top: 0; 
    z-index: 1000; 
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.05); 
}

.nav-container { 
    max-width: 1200px; 
    margin: 0 auto; 
    display: flex; 
    align-items: center; 
    justify-content: space-between; 
    padding: 0 24px; 
    height: 70px; 
}

.logo a { 
    font-size: 26px; 
    font-weight: 700; 
    color: #204080; 
    text-decoration: none; 
    letter-spacing: -0.5px; 
}

.nav-links { 
    display: flex; 
    list-style: none; 
    gap: 12px; 
    align-items: center; 
}

.nav-links a { 
    color: #333; 
    text-decoration: none; 
    font-size: 16px; 
    font-weight: 500; 
    padding: 14px 18px; 
    border-radius: 10px; 
    transition: all 0.2s ease; 
}

.nav-links a:hover, .nav-links a.active { 
    color: #204080; 
    background: rgba(32, 64, 128, 0.08); 
}

.dropdown { 
    position: relative; 
}

.dropdown-content { 
    display: none; 
    position: absolute; 
    top: 100%; 
    left: 0; 
    background: white; 
    min-width: 200px; 
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.12); 
    border-radius: 12px; 
    padding: 8px 0; 
    z-index: 1000; 
}

.dropdown:hover .dropdown-content { 
    display: block; 
}

.dropdown-content a { 
    display: block; 
    padding: 12px 20px; 
    color: #333; 
    text-decoration: none; 
    border-radius: 0; 
}

.dropdown-content a:hover { 
    background: #f8f9ff; 
    color: #204080; 
}

.mobile-menu-btn { 
    display: none; 
    background: none; 
    border: none; 
    font-size: 24px; 
    color: #333; 
    cursor: pointer; 
}

@media (max-width: 768px) {
    .mobile-menu-btn { 
        display: block; 
    }
    .nav-links { 
        display: none; 
        position: absolute; 
        top: 100%; 
        left: 0; 
        right: 0; 
        background: white; 
        flex-direction: column; 
        padding: 20px; 
        box-shadow: 0 8px 32px rgba(0, 0, 0, 0.12); 
    }
    .nav-links.active { 
        display: flex; 
    }
    .nav-links a { 
        padding: 12px 0; 
        border-radius: 0; 
        border-bottom: 1px solid #eee; 
    }
}

.breadcrumb { 
    background: #f8f9ff; 
    padding: 12px 0; 
}

.breadcrumb ol { 
    list-style: none; 
    display: flex; 
    gap: 8px; 
    max-width: 1200px; 
    margin: 0 auto; 
    padding: 0 24px; 
}

.breadcrumb a { 
    color: #204080; 
    text-decoration: none; 
    font-size: 14px; 
}

.breadcrumb li:not(:last-child):after { 
    content: "›"; 
    margin-left: 8px; 
    color: #666; 
}

.container { 
    max-width: 1200px; 
    margin: 0 auto; 
    padding: 0 24px; 
}

.page-header { 
    background: linear-gradient(135deg, #f8f9ff 0%, #e8f2ff 100%); 
    padding: 60px 0; 
    text-align: center; 
}

.page-title { 
    font-size: 42px; 
    font-weight: 700; 
    color: #1a1a1a; 
    margin-bottom: 16px; 
    letter-spacing: -1px; 
}

.page-subtitle { 
    font-size: 20px; 
    color: #204080; 
    margin-bottom: 16px; 
    font-weight: 600; 
}

.page-description { 
    font-size: 18px; 
    color: #666; 
    max-width: 600px; 
    margin: 0 auto; 
}

.main-content { 
    max-width: 1000px; 
    margin: 0 auto; 
    padding: 60px 24px; 
}

.calculator-section { 
    background: white; 
    border-radius: 20px; 
    padding: 40px; 
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08); 
    margin-bottom: 40px; 
    border: 1px solid rgba(0, 0, 0, 0.05); 
}

.section-title { 
    font-size: 28px; 
    font-weight: 700; 
    color: #204080; 
    margin-bottom: 24px; 
    text-align: center; 
}

.form-grid { 
    display: grid; 
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); 
    gap: 24px; 
    margin-bottom: 32px; 
}

.input-group { 
    margin-bottom: 24px; 
}

.input-label { 
    display: block; 
    font-weight: 600; 
    color: #204080; 
    margin-bottom: 8px; 
    font-size: 16px; 
}

.input-wrapper { 
    position: relative; 
}

.form-input { 
    width: 100%; 
    padding: 16px 20px; 
    border: 2px solid #e5e5e5; 
    border-radius: 12px; 
    font-size: 16px; 
    transition: all 0.2s ease; 
    background: white; 
}

.form-input:focus { 
    outline: none; 
    border-color: #204080; 
    box-shadow: 0 0 0 4px rgba(32, 64, 128, 0.1); 
}

.with-currency { 
    padding-left: 48px; 
}

.with-percent { 
    padding-right: 48px; 
}

.currency-symbol { 
    position: absolute; 
    left: 16px; 
    top: 50%; 
    transform: translateY(-50%); 
    color: #666; 
    font-weight: 600; 
}

.percent-symbol { 
    position: absolute; 
    right: 16px; 
    top: 50%; 
    transform: translateY(-50%); 
    color: #666; 
    font-weight: 600; 
}

.select-wrapper { 
    position: relative; 
}

.form-select { 
    width: 100%; 
    padding: 16px 20px; 
    border: 2px solid #e5e5e5; 
    border-radius: 12px; 
    font-size: 16px; 
    transition: all 0.2s ease; 
    background: white; 
    appearance: none; 
}

.form-select:focus { 
    outline: none; 
    border-color: #204080; 
    box-shadow: 0 0 0 4px rgba(32, 64, 128, 0.1); 
}

.select-arrow { 
    position: absolute; 
    right: 16px; 
    top: 50%; 
    transform: translateY(-50%); 
    color: #666; 
    pointer-events: none; 
}

.button-group { 
    display: flex; 
    gap: 16px; 
    margin-top: 24px; 
}

.calculate-btn, .reset-btn { 
    background: linear-gradient(135deg, #204080 0%, #3366cc 100%); 
    color: white; 
    padding: 16px 32px; 
    border: none; 
    border-radius: 12px; 
    font-size: 16px; 
    font-weight: 600; 
    cursor: pointer; 
    transition: all 0.2s ease; 
    flex: 1; 
}

.reset-btn { 
    background: linear-gradient(135deg, #666 0%, #888 100%); 
}

.calculate-btn:hover { 
    transform: translateY(-2px); 
    box-shadow: 0 8px 25px rgba(32, 64, 128, 0.25); 
}

.reset-btn:hover { 
    transform: translateY(-2px); 
    box-shadow: 0 8px 25px rgba(102, 102, 102, 0.25); 
}

.results-section { 
    display: none; 
    background: linear-gradient(135deg, #f8f9ff 0%, #e8f2ff 100%); 
    border-radius: 16px; 
    padding: 32px; 
    margin-top: 32px; 
}

.results-title { 
    font-size: 24px; 
    font-weight: 700; 
    color: #204080; 
    margin-bottom: 24px; 
    text-align: center; 
}

.results-grid { 
    display: grid; 
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); 
    gap: 24px; 
    margin-bottom: 32px; 
}

.result-card { 
    background: white; 
    border-radius: 16px; 
    padding: 24px; 
    text-align: center; 
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08); 
}

.result-card h3 { 
    color: #204080; 
    font-size: 18px; 
    font-weight: 700; 
    margin-bottom: 16px; 
}

.result-value { 
    font-size: 32px; 
    font-weight: 700; 
    color: #204080; 
    margin-bottom: 8px; 
}

.result-label { 
    font-size: 14px; 
    color: #666; 
    font-weight: 600; 
}

.breakdown-section { 
    background: white; 
    border-radius: 12px; 
    padding: 24px; 
    margin-top: 24px; 
}

.breakdown-title { 
    font-size: 20px; 
    font-weight: 700; 
    color: #204080; 
    margin-bottom: 16px; 
}

.breakdown-item { 
    display: flex; 
    justify-content: space-between; 
    padding: 12px 0; 
    border-bottom: 1px solid #eee; 
}

.breakdown-item:last-child { 
    border-bottom: none; 
}

.breakdown-label { 
    color: #666; 
    font-weight: 500; 
}

.breakdown-value {
    font-weight: 700;
    color: #204080;
}

.total-row {
    border-top: 2px solid #204080;
    margin-top: 8px;
    padding-top: 16px;
    font-weight: 700;
}

.total-row .breakdown-label,
.total-row .breakdown-value {
    font-size: 18px;
    color: #204080;
}

.input-help {
    display: block;
    font-size: 14px;
    color: #666;
    margin-top: 4px;
    font-style: italic;
}

.info-section {
    background: #f8f9ff;
    border-radius: 16px;
    padding: 32px;
    margin-top: 40px;
}

.info-title {
    font-size: 24px;
    font-weight: 700;
    color: #204080;
    margin-bottom: 24px;
    text-align: center;
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.info-card {
    background: white;
    border-radius: 12px;
    padding: 24px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.info-card h3 {
    color: #204080;
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 12px;
}

.info-card ul {
    list-style: none;
}

.info-card li {
    padding: 8px 0;
    color: #666;
    position: relative;
}

.info-card li:before {
    content: "•";
    color: #204080;
    font-weight: bold;
    position: absolute;
    left: -16px;
}

/* Strategy Section */
.strategy-section {
    background: white;
    border-radius: 16px;
    padding: 40px;
    margin-top: 40px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.strategy-content {
    max-width: 1000px;
    margin: 0 auto;
}

.strategy-intro {
    text-align: center;
    margin-bottom: 40px;
}

.strategy-intro p {
    font-size: 18px;
    color: #666;
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto;
}

.strategy-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 32px;
}

.strategy-card {
    background: #f8f9ff;
    border-radius: 16px;
    padding: 32px;
    text-align: center;
    border: 1px solid rgba(32, 64, 128, 0.1);
    transition: all 0.3s ease;
}

.strategy-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 25px rgba(32, 64, 128, 0.15);
    border-color: #204080;
}

.strategy-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #204080 0%, #3366cc 100%);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
}

.strategy-icon i {
    font-size: 32px;
    color: white;
}

.strategy-card h3 {
    font-size: 22px;
    font-weight: 600;
    color: #1a1a1a;
    margin-bottom: 16px;
}

.strategy-card p {
    font-size: 16px;
    color: #666;
    line-height: 1.6;
    margin-bottom: 20px;
}

.strategy-card ul {
    list-style: none;
    text-align: left;
    padding: 0;
}

.strategy-card li {
    padding: 6px 0;
    color: #333;
    position: relative;
    padding-left: 20px;
    font-size: 15px;
}

.strategy-card li:before {
    content: "✓";
    color: #28a745;
    font-weight: bold;
    position: absolute;
    left: 0;
}

.related-calculators {
    background: white;
    border-radius: 16px;
    padding: 32px;
    margin-top: 40px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 20px;
}

.related-card {
    display: block;
    background: #f8f9ff;
    border-radius: 12px;
    padding: 20px;
    text-decoration: none;
    color: #333;
    transition: all 0.2s ease;
    border: 2px solid transparent;
}

.related-card:hover {
    border-color: #204080;
    transform: translateY(-2px);
}

.related-card i {
    color: #204080;
    font-size: 24px;
    margin-bottom: 12px;
}

.related-card span {
    font-weight: 600;
    display: block;
    margin-bottom: 8px;
}

.faq-section {
    margin-top: 40px;
}

.faq-header {
    text-align: center;
    margin-bottom: 32px;
}

.faq-header h2 {
    font-size: 28px;
    font-weight: 700;
    color: #204080;
    margin-bottom: 12px;
}

.faq-header p {
    color: #666;
    font-size: 16px;
}

.faq-container {
    background: white;
    border-radius: 16px;
    padding: 24px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.faq-item {
    border-bottom: 1px solid #eee;
}

.faq-item:last-child {
    border-bottom: none;
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 0;
    cursor: pointer;
    transition: all 0.2s ease;
}

.faq-question:hover {
    color: #204080;
}

.faq-question h3 {
    font-size: 16px;
    font-weight: 600;
    margin: 0;
}

.faq-question i {
    color: #204080;
    transition: transform 0.2s ease;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer p {
    padding: 0 0 20px 0;
    color: #666;
    line-height: 1.6;
}

.main-footer {
    background: #1a1a1a;
    color: white;
    padding: 60px 0 30px 0;
    margin-top: 80px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-section h3 {
    color: #204080;
    margin-bottom: 20px;
    font-size: 20px;
}

.footer-section ul {
    list-style: none;
    padding: 0;
}

.footer-section ul li {
    margin-bottom: 12px;
}

.footer-section ul li a {
    color: #ccc;
    text-decoration: none;
    transition: color 0.2s ease;
}

.footer-section ul li a:hover {
    color: #204080;
}

.footer-bottom {
    border-top: 1px solid #333;
    padding-top: 30px;
    text-align: center;
    color: #999;
}

@media (max-width: 768px) {
    .page-title {
        font-size: 32px;
    }
    .form-grid {
        grid-template-columns: 1fr;
    }
    .results-grid {
        grid-template-columns: 1fr;
    }
    .info-grid {
        grid-template-columns: 1fr;
    }
    .related-grid {
        grid-template-columns: 1fr;
    }
    .strategy-grid {
        grid-template-columns: 1fr;
    }
    .button-group {
        flex-direction: column;
    }
    .main-content {
        padding: 40px 24px;
    }
    .calculator-section {
        padding: 24px;
    }
    .strategy-section {
        padding: 24px;
    }
    .page-header {
        padding: 40px 0;
    }
    .page-title {
        font-size: 28px;
    }
    .strategy-intro p {
        font-size: 16px;
    }
}