html, body {
  margin: 0;
  padding: 0;
}

body {
  font-family: Arial, sans-serif;
  margin: 0;
  padding: 0;
  line-height: 1.6;
}

header, footer {
  background: #0b5ed7;
  color: #fff;
  padding: 15px;
  text-align: center;
}

main {
  padding: 20px;
}

.calculator-box {
  max-width: 400px;
  margin: auto;
  background: #f4f4f4;
  padding: 20px;
  border-radius: 5px;
}

label {
  display: block;
  margin-bottom: 10px;
}

button {
  background: #0b5ed7;
  color: white;
  border: none;
  padding: 10px;
  cursor: pointer;
}
/* HEADER & NAV */
.site-header {
  background: linear-gradient(135deg, #0b5ed7, #084298);
  color: #fff;
}

.nav-container {
  max-width: 1200px;
  margin: auto;
  padding: 15px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo a {
  font-size: 22px;
  font-weight: bold;
  color: #fff;
  text-decoration: none;
}

.logo span {
  opacity: 0.8;
}

.main-nav a {
  margin-left: 18px;
  color: #fff;
  text-decoration: none;
  font-size: 15px;
  opacity: 0.9;
}

.main-nav a:hover,
.main-nav a.active {
  opacity: 1;
  text-decoration: underline;
}

/* HERO */
.hero {
  max-width: 900px;
  margin: auto;
  padding: 60px 20px 70px;
  text-align: center;
}

.hero h1 {
  font-size: 34px;
  margin-bottom: 15px;
}

.hero p {
  font-size: 18px;
  opacity: 0.95;
  max-width: 700px;
  margin: auto;
}

.hero-cta {
  margin-top: 30px;
}

.primary-btn {
  background: #fff;
  color: #0b5ed7;
  padding: 12px 22px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: bold;
  margin-right: 10px;
}

.secondary-btn {
  border: 1px solid #fff;
  color: #fff;
  padding: 12px 22px;
  border-radius: 6px;
  text-decoration: none;
}

.hero-trust {
  margin-top: 25px;
  font-size: 14px;
  opacity: 0.9;
}

.hero-trust span {
  margin: 0 8px;
}

/* MOBILE */
@media (max-width: 768px) {
  .main-nav {
    display: none;
  }

  .hero h1 {
    font-size: 26px;
  }

  .hero p {
    font-size: 16px;
  }
}
/* PAGE HERO */
.page-hero {
  background: #f4f7fb;
  padding: 40px 20px;
  text-align: center;
}

.page-hero h1 {
  margin-bottom: 10px;
}

/* CALCULATOR LAYOUT */
.calculator-wrapper {
  max-width: 1100px;
  margin: 40px auto;
  padding: 0 20px;
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 30px;
}

.calculator-card,
.info-card {
  background: #fff;
  border-radius: 8px;
  padding: 25px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.05);
}

.field {
  margin-bottom: 15px;
}

.field label {
  display: block;
  margin-bottom: 6px;
  font-weight: bold;
}

.field input,
.field select {
  width: 100%;
  padding: 10px;
  border-radius: 5px;
  border: 1px solid #ccc;
}

.calculate-btn {
  width: 100%;
  background: #0b5ed7;
  color: #fff;
  padding: 12px;
  border: none;
  border-radius: 6px;
  font-size: 16px;
  cursor: pointer;
  margin-top: 10px;
}

.result-box {
  margin-top: 20px;
  font-size: 18px;
  font-weight: bold;
  color: #0b5ed7;
}

.info-card ul {
  padding-left: 18px;
}

.explanation-section {
  max-width: 900px;
  margin: 40px auto;
  padding: 0 20px;
}

.disclaimer {
  font-size: 14px;
  opacity: 0.8;
}

/* MOBILE */
@media (max-width: 768px) {
  .calculator-wrapper {
    grid-template-columns: 1fr;
  }
}
/* COMMON CONTAINER */
.container {
  max-width: 1100px;
  margin: auto;
  padding: 0 20px;
}

/* TOOLS SECTION */
.tools-section {
  padding: 60px 0;
  background: #ffffff;
}

.section-title {
  text-align: center;
  font-size: 28px;
  margin-bottom: 40px;
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 25px;
}

.tool-card {
  background: #f4f7fb;
  padding: 25px;
  border-radius: 8px;
  text-decoration: none;
  color: #000;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.tool-card h3 {
  margin-bottom: 10px;
  color: #0b5ed7;
}

.tool-card p {
  font-size: 15px;
  opacity: 0.9;
}

.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 25px rgba(0,0,0,0.08);
}

/* WHY SECTION */
.why-section {
  padding: 60px 0;
  background: #f4f7fb;
}

.section-text {
  max-width: 750px;
  margin: auto;
  text-align: center;
  font-size: 17px;
  opacity: 0.95;
}
/* COMMON CONTAINER */
.container {
  max-width: 1100px;
  margin: auto;
  padding: 0 20px;
}

/* TOOLS SECTION */
.tools-section {
  padding: 60px 0;
  background: #ffffff;
}

.section-title {
  text-align: center;
  font-size: 28px;
  margin-bottom: 40px;
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 25px;
}

.tool-card {
  background: #f4f7fb;
  padding: 25px;
  border-radius: 8px;
  text-decoration: none;
  color: #000;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.tool-card h3 {
  margin-bottom: 10px;
  color: #0b5ed7;
}

.tool-card p {
  font-size: 15px;
  opacity: 0.9;
}

.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 25px rgba(0,0,0,0.08);
}

/* WHY SECTION */
.why-section {
  padding: 60px 0;
  background: #f4f7fb;
}

.section-text {
  max-width: 750px;
  margin: auto;
  text-align: center;
  font-size: 17px;
  opacity: 0.95;
}
.tool-card {
  display: block;
}
.tool-card {
  background: #f8fafc;
}
.why-section {
  border-top: 1px solid #e6e6e6;
}
/* BREADCRUMBS */
.breadcrumb {
  background: #f8fafc;
  padding: 12px 0;
  font-size: 14px;
}

.breadcrumb a {
  color: #0b5ed7;
  text-decoration: none;
}

.breadcrumb span {
  margin: 0 6px;
  color: #777;
}

.breadcrumb .current {
  color: #555;
  font-weight: 500;
}
.breadcrumb {
  font-size: 13px;
}
/* FAQ SECTION */
.faq-section {
  padding: 60px 0;
  background: #ffffff;
}

.faq-item {
  margin-bottom: 20px;
}

.faq-item h3 {
  font-size: 18px;
  margin-bottom: 6px;
}

.faq-item p {
  font-size: 15px;
  line-height: 1.6;
  color: #333;
}
.hero-disclaimer {
  margin-top: 12px;
  font-size: 13px;
  opacity: 0.85;
}
/* FORCE breadcrumb to sit BELOW header */
.breadcrumb {
  margin-top: 0 !important;
  padding-top: 10px;
}

/* FIX: hide breadcrumb if it appears above header */
body > .breadcrumb {
  display: none;
}