/* ══════════════════════════════════════════════
   site.css — Shared styles for FinCalc site pages
   (Home/main.html keeps its own embedded styles for
   the calculators; this file covers Nav, Footer,
   Blog, About & Privacy pages so the look stays
   consistent without duplicating the whole stylesheet.)
   ══════════════════════════════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#F4F3EE;--sf:#FFF;--sf2:#F5F4F0;--bd:#E4E1D9;--bd2:#CBC7BC;
  --tx:#1A1816;--tx2:#5A5652;--tx3:#9A9590;
  --ac:#2B5EE8;--acb:#EEF2FE;--act:#1A3DAA;
  --gn:#1A7A4A;--gnb:#E4F4EC;--gnt:#0F5A35;
  --gd:#8A6500;--gdb:#FFF4D0;
  --r:12px;--rs:8px;--rl:16px;
  --sh:0 1px 3px rgba(0,0,0,.07),0 4px 16px rgba(0,0,0,.05);
  --fn:'DM Sans',sans-serif;--mo:'DM Mono',monospace;
}
html,body{font-family:var(--fn);background:var(--bg);color:var(--tx);font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--ac);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:920px;margin:0 auto;padding:0 12px}

/* ── SITE HEADER / NAV ── */
.site-header{background:var(--sf);border-bottom:1px solid var(--bd);position:sticky;top:0;z-index:50}
.nav-wrap{max-width:920px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:10px 12px;gap:10px}
.nav-logo{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;color:var(--tx);letter-spacing:.06em;text-transform:uppercase;flex-shrink:0}
.nav-logo:hover{text-decoration:none}
.nav-logo-ic{width:24px;height:24px;background:var(--ac);border-radius:6px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.nav-logo-ic svg{width:13px;height:13px;stroke:#fff;fill:none;stroke-width:2.2;stroke-linecap:round}
.site-nav{display:none;align-items:center;gap:4px;flex-wrap:wrap}
.nav-link{font-size:13px;font-weight:500;color:var(--tx2);padding:8px 11px;border-radius:var(--rs);white-space:nowrap}
.nav-link:hover{background:var(--sf2);color:var(--tx);text-decoration:none}
.nav-link.active{background:var(--acb);color:var(--act)}
.nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;background:var(--sf2);border:1px solid var(--bd);border-radius:var(--rs);font-size:17px;cursor:pointer;color:var(--tx)}
.site-nav.open{display:flex;flex-direction:column;align-items:stretch;position:absolute;top:100%;left:0;right:0;background:var(--sf);border-bottom:1px solid var(--bd);padding:8px 12px 12px;box-shadow:var(--sh)}
.site-nav.open .nav-link{padding:11px 12px}
@media(min-width:720px){
  .site-nav{display:flex;position:static;background:none;border:none;box-shadow:none;padding:0}
  .nav-toggle{display:none}
}

/* ── SITE FOOTER ── */
.site-footer{background:var(--sf);border-top:1px solid var(--bd);margin-top:40px}
.footer-wrap{max-width:920px;margin:0 auto;padding:26px 12px 34px;display:flex;flex-direction:column;gap:16px;align-items:center;text-align:center}
.footer-links{display:flex;gap:6px;flex-wrap:wrap;justify-content:center}
.footer-links a{font-size:13px;color:var(--tx2);padding:6px 10px;border-radius:var(--rs)}
.footer-links a:hover{background:var(--sf2);color:var(--tx);text-decoration:none}
.footer-copy{font-size:12px;color:var(--tx3)}
.back-to-top{background:var(--sf2);border:1px solid var(--bd);border-radius:20px;padding:7px 14px;font-family:var(--fn);font-size:12px;font-weight:600;color:var(--tx2);cursor:pointer}
.back-to-top:hover{background:var(--acb);color:var(--act);border-color:var(--ac)}
@media(min-width:620px){.footer-wrap{flex-direction:row;justify-content:space-between;text-align:left}}

/* ── PAGE HERO (About / Blog / Privacy) ── */
.page-hero{text-align:center;padding:34px 12px 22px}
.page-hero .eyebrow{display:inline-block;font-size:11px;font-weight:600;color:var(--tx3);letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.page-hero h1{font-size:clamp(22px,5vw,36px);font-weight:300;letter-spacing:-.02em;line-height:1.15;color:var(--tx)}
.page-hero h1 strong{font-weight:600;color:var(--ac)}
.page-hero p{color:var(--tx2);font-size:14px;max-width:560px;margin:10px auto 0;line-height:1.7}

/* ── GENERIC CARD / SECTION ── */
.section{max-width:760px;margin:0 auto;padding:28px 12px}
.section h2{font-size:clamp(18px,3.4vw,24px);font-weight:600;color:var(--tx);margin-bottom:12px;letter-spacing:-.01em}
.section h3{font-size:16px;font-weight:600;color:var(--tx);margin:18px 0 8px}
.section p{color:var(--tx2);font-size:14px;line-height:1.75;margin-bottom:12px}
.section ul,.section ol{color:var(--tx2);font-size:14px;line-height:1.8;padding-left:20px;margin-bottom:12px}
.card-box{background:var(--sf);border:1px solid var(--bd);border-radius:var(--rl);padding:20px;box-shadow:var(--sh)}

/* ── PROFILE / AVATAR PLACEHOLDER ── */
.avatar-ph{width:120px;height:120px;border-radius:50%;background:linear-gradient(135deg,var(--acb),var(--gnb));border:1px solid var(--bd);display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:40px}

/* ── CTA BUTTON ── */
.btn{display:inline-flex;align-items:center;gap:6px;background:var(--ac);color:#fff;font-family:var(--fn);font-weight:600;font-size:13px;padding:12px 20px;border-radius:var(--rs);border:none;cursor:pointer}
.btn:hover{background:var(--act);text-decoration:none}
.btn.outline{background:transparent;color:var(--ac);border:1px solid var(--ac)}
.btn.outline:hover{background:var(--acb)}
.cta-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}

/* ── CONTACT LIST ── */
.contact-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:10px}
.contact-list li{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--tx2)}
.contact-list .ico{width:30px;height:30px;background:var(--acb);color:var(--act);border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:14px}

/* ── BLOG CARDS ── */
.blog-grid{display:grid;grid-template-columns:1fr;gap:16px;padding:6px 12px 10px;max-width:920px;margin:0 auto}
@media(min-width:640px){.blog-grid{grid-template-columns:1fr 1fr}}
@media(min-width:900px){.blog-grid{grid-template-columns:1fr 1fr 1fr}}
.blog-card{background:var(--sf);border:1px solid var(--bd);border-radius:var(--rl);overflow:hidden;box-shadow:var(--sh);display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.blog-card:hover{transform:translateY(-3px);box-shadow:0 4px 20px rgba(0,0,0,.09)}
.blog-card-img{width:100%;aspect-ratio:16/9;background:linear-gradient(135deg,var(--acb),var(--gnb));display:flex;align-items:center;justify-content:center;font-size:34px;color:var(--ac)}
.blog-card-body{padding:16px;display:flex;flex-direction:column;gap:8px;flex:1}
.blog-card-date{font-size:11px;font-weight:600;color:var(--tx3);text-transform:uppercase;letter-spacing:.05em}
.blog-card-title{font-size:16px;font-weight:600;color:var(--tx);line-height:1.35}
.blog-card-title a{color:inherit}
.blog-card-title a:hover{color:var(--ac);text-decoration:none}
.blog-card-excerpt{font-size:13px;color:var(--tx2);line-height:1.6;flex:1}
.blog-card-more{font-size:13px;font-weight:600;color:var(--ac);align-self:flex-start;margin-top:4px}

/* ── ARTICLE PAGE ── */
.article-hero{max-width:760px;margin:0 auto;padding:30px 12px 4px}
.article-meta{display:flex;gap:10px;flex-wrap:wrap;font-size:12px;color:var(--tx3);margin-bottom:10px;text-transform:uppercase;letter-spacing:.04em;font-weight:600}
.article-title{font-size:clamp(22px,4.6vw,32px);font-weight:600;letter-spacing:-.01em;color:var(--tx);line-height:1.2;margin-bottom:14px}
.article-featured-img{width:100%;aspect-ratio:16/9;border-radius:var(--rl);background:linear-gradient(135deg,var(--acb),var(--gnb));display:flex;align-items:center;justify-content:center;font-size:46px;color:var(--ac);margin-bottom:6px}
.toc{background:var(--sf2);border:1px solid var(--bd);border-radius:var(--r);padding:14px 16px;margin:18px 0}
.toc-title{font-size:11px;font-weight:700;color:var(--tx3);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.toc ol{margin:0;padding-left:18px;font-size:13px;color:var(--ac);line-height:2}
article.section{max-width:760px}
.faq-item{border-bottom:1px solid var(--bd);padding:12px 0}
.faq-item:last-child{border-bottom:none}
.faq-q{font-weight:600;color:var(--tx);font-size:14px;margin-bottom:6px}
.faq-a{color:var(--tx2);font-size:14px;line-height:1.7}
.related-grid{display:grid;grid-template-columns:1fr;gap:12px}
@media(min-width:620px){.related-grid{grid-template-columns:1fr 1fr}}
.related-card{background:var(--sf2);border:1px solid var(--bd);border-radius:var(--r);padding:14px;font-size:13px;font-weight:600;color:var(--tx)}
.related-card:hover{border-color:var(--ac);text-decoration:none}
.share-row{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}
.share-btn{font-size:12px;font-weight:600;padding:9px 14px;border-radius:20px;border:1px solid var(--bd);background:var(--sf2);color:var(--tx2);cursor:pointer}
.share-btn:hover{border-color:var(--ac);color:var(--ac);text-decoration:none}
.back-blog{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--ac);margin:16px 12px}