/* XIRR Card — premium fintech design system
 * Dark-first (default), refined light theme via [data-theme="light"].
 * Palette: deep ink + emerald accent + gold for the paid tier.
 */

:root,
[data-theme="dark"] {
  --bg: #0a0e13;
  --bg-soft: #0d1319;
  --surface: #121a24;
  --surface-2: #182431;
  --surface-3: #1f2d3d;
  --line: rgba(148, 178, 200, 0.14);
  --line-strong: rgba(148, 178, 200, 0.28);
  --ink: #eaf1f7;
  --ink-2: #b9c7d6;
  --muted: #8494a7;
  --accent: #10b981;
  --accent-deep: #0b8a5c;
  --accent-ink: #052e21;
  --accent-soft: rgba(16, 185, 129, 0.12);
  --gold: #e8b34b;
  --gold-deep: #c99a35;
  --gold-soft: rgba(232, 179, 75, 0.12);
  --danger: #f26d6d;
  --danger-soft: rgba(242, 109, 109, 0.12);
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 16px 48px rgba(0, 0, 0, 0.42);
  --shadow-sm: 0 6px 20px rgba(0, 0, 0, 0.28);
  --hero-glow-1: rgba(16, 185, 129, 0.16);
  --hero-glow-2: rgba(232, 179, 75, 0.08);
  --topbar-bg: rgba(10, 14, 19, 0.82);
  --input-bg: #0d141c;
  color-scheme: dark;
}

[data-theme="light"] {
  --bg: #f5f7fa;
  --bg-soft: #eef1f5;
  --surface: #ffffff;
  --surface-2: #f1f4f8;
  --surface-3: #e8edf3;
  --line: #e1e8f0;
  --line-strong: #c6d2e0;
  --ink: #0e1b2c;
  --ink-2: #33475f;
  --muted: #64748b;
  --accent: #0b8a5c;
  --accent-deep: #076b47;
  --accent-ink: #ffffff;
  --accent-soft: rgba(11, 138, 92, 0.1);
  --gold: #b7791f;
  --gold-deep: #96631a;
  --gold-soft: rgba(183, 121, 31, 0.1);
  --danger: #c03535;
  --danger-soft: rgba(192, 53, 53, 0.08);
  --shadow: 0 16px 40px rgba(15, 42, 67, 0.12);
  --shadow-sm: 0 6px 18px rgba(15, 42, 67, 0.08);
  --hero-glow-1: rgba(11, 138, 92, 0.1);
  --hero-glow-2: rgba(183, 121, 31, 0.08);
  --topbar-bg: rgba(245, 247, 250, 0.85);
  --input-bg: #ffffff;
  color-scheme: light;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Noto Sans', Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  transition: background 0.25s ease, color 0.25s ease;
}
.wrap { max-width: 920px; margin: 0 auto; padding: 0 18px; }
.hidden { display: none !important; }
.muted { color: var(--muted); }
.small { font-size: 0.85rem; }
.num, .stat-val, .xirr-big, .fund-xirr, .cv-row input, .entry-table td {
  font-variant-numeric: tabular-nums;
  font-feature-settings: 'tnum';
}
code {
  background: var(--surface-2); padding: 2px 7px; border-radius: 6px;
  font-size: 0.85em; border: 1px solid var(--line);
}

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 6px;
}

/* ============ topbar ============ */
.topbar {
  position: sticky; top: 0; z-index: 60;
  background: var(--topbar-bg);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.topbar-in {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; padding-top: 12px; padding-bottom: 12px;
}
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.brand-mark {
  width: 34px; height: 34px; border-radius: 10px; flex: none;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-deep) 100%);
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.35);
}
.brand-mark svg { width: 20px; height: 20px; }
.brand-name { font-weight: 800; font-size: 1.12rem; letter-spacing: -0.01em; }
.topbar-right { display: flex; align-items: center; gap: 10px; }
.privacy-pill {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 0.74rem; font-weight: 600; color: var(--ink-2);
  background: var(--accent-soft); border: 1px solid var(--line);
  padding: 7px 12px; border-radius: 999px; white-space: nowrap;
}
.privacy-pill svg { width: 13px; height: 13px; flex: none; }
.icon-btn {
  width: 44px; height: 44px; border-radius: 12px; flex: none;
  background: var(--surface-2); border: 1px solid var(--line);
  color: var(--ink-2); cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  transition: transform 0.15s ease, background 0.2s ease;
}
.icon-btn:hover { background: var(--surface-3); }
.icon-btn:active { transform: scale(0.94); }
.icon-btn svg { width: 20px; height: 20px; }
.icon-btn .moon { display: none; }
[data-theme="light"] .icon-btn .sun { display: none; }
[data-theme="light"] .icon-btn .moon { display: block; }

/* ============ wizard stepper ============ */
.wizard { border-bottom: 1px solid var(--line); background: var(--bg-soft); }
.wizard-steps {
  display: flex; align-items: center; gap: 4px;
  padding-top: 12px; padding-bottom: 12px; overflow-x: auto;
}
.wstep {
  display: inline-flex; align-items: center; gap: 8px; flex: none;
  font-size: 0.82rem; font-weight: 600; color: var(--muted);
  padding: 6px 4px; white-space: nowrap;
  transition: color 0.25s ease;
}
.wstep-dot {
  width: 26px; height: 26px; border-radius: 50%; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700;
  background: var(--surface-2); border: 1px solid var(--line-strong); color: var(--muted);
  transition: all 0.25s ease;
}
.wstep.is-active { color: var(--ink); }
.wstep.is-active .wstep-dot {
  background: var(--accent); border-color: var(--accent); color: var(--accent-ink);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.wstep.is-done { color: var(--ink-2); }
.wstep.is-done .wstep-dot { background: var(--accent-soft); border-color: var(--accent); color: var(--accent); }
.wstep-bar { flex: 1 1 24px; min-width: 16px; height: 2px; background: var(--line); border-radius: 2px; }
.wstep.is-done + .wstep-bar { background: var(--accent); }

/* ============ hero ============ */
.hero {
  position: relative; overflow: hidden;
  padding: 64px 0 56px;
  background:
    radial-gradient(560px 300px at 12% -40px, var(--hero-glow-1), transparent 70%),
    radial-gradient(520px 320px at 88% 10%, var(--hero-glow-2), transparent 70%),
    var(--bg);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(var(--line-strong) 1px, transparent 1px);
  background-size: 26px 26px; opacity: 0.25;
  mask-image: radial-gradient(70% 90% at 50% 0%, black, transparent);
  -webkit-mask-image: radial-gradient(70% 90% at 50% 0%, black, transparent);
}
.hero .wrap { position: relative; z-index: 1; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.76rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--accent); background: var(--accent-soft);
  border: 1px solid var(--line); padding: 7px 14px; border-radius: 999px;
  margin-bottom: 18px;
}
.eyebrow .pulse { width: 7px; height: 7px; border-radius: 50%; background: var(--accent); animation: pulse 2s infinite; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.35; } }
.hero h1 {
  font-size: 2rem; line-height: 1.18; letter-spacing: -0.02em;
  margin: 0 0 14px; max-width: 22ch; font-weight: 800;
}
.hero h1 em { font-style: normal; color: var(--accent); }
.hero .sub { font-size: 1.05rem; color: var(--ink-2); max-width: 36rem; margin: 0 0 22px; }
.hero-points { list-style: none; padding: 0; margin: 0 0 26px; display: grid; gap: 10px; max-width: 36rem; }
.hero-points li {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--surface); border: 1px solid var(--line);
  padding: 13px 16px; border-radius: var(--radius-sm); font-size: 0.94rem; color: var(--ink-2);
}
.hero-points li strong { color: var(--ink); }
.hero-points .hp-icon {
  width: 30px; height: 30px; border-radius: 9px; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--accent-soft); color: var(--accent); font-size: 0.95rem;
}
.hero-points li.gold .hp-icon { background: var(--gold-soft); color: var(--gold); }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-note { color: var(--muted); font-size: 0.85rem; margin-top: 16px; display: flex; align-items: center; gap: 8px; }
.hero-note svg { width: 15px; height: 15px; flex: none; }

/* ============ buttons ============ */
.btn {
  border: none; border-radius: 12px; padding: 13px 22px; font-size: 1rem;
  font-weight: 700; font-family: inherit; cursor: pointer; min-height: 48px;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  transition: transform 0.12s ease, box-shadow 0.2s ease, background 0.2s ease, filter 0.2s ease;
  text-decoration: none;
}
.btn:active { transform: scale(0.97); }
.btn-primary {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-deep) 100%);
  color: #fff; box-shadow: 0 8px 22px rgba(16, 185, 129, 0.32);
}
[data-theme="light"] .btn-primary { color: #fff; }
.btn-primary:hover { filter: brightness(1.07); box-shadow: 0 10px 26px rgba(16, 185, 129, 0.4); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-deep) 100%);
  color: #231a05; box-shadow: 0 8px 22px rgba(232, 179, 75, 0.3);
}
.btn-gold:hover { filter: brightness(1.06); }
.btn-ghost { background: var(--surface-2); color: var(--ink); border: 1px solid var(--line); }
.btn-ghost:hover { background: var(--surface-3); border-color: var(--line-strong); }
.btn-lg { font-size: 1.08rem; padding: 15px 30px; min-height: 54px; border-radius: 14px; }
.btn-block { width: 100%; margin-top: 12px; }
.linklike {
  background: none; border: none; color: var(--accent); text-decoration: underline;
  text-underline-offset: 3px; cursor: pointer; font-size: inherit; padding: 4px 2px; font-weight: 600;
}

/* ============ sections ============ */
.section { padding: 44px 0; }
.section.alt { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { display: flex; align-items: baseline; gap: 14px; margin-bottom: 6px; flex-wrap: wrap; }
.section h2 { font-size: 1.45rem; margin: 0; letter-spacing: -0.01em; font-weight: 800; display: flex; align-items: center; gap: 12px; }
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 50%; flex: none;
  background: var(--accent-soft); color: var(--accent);
  border: 1px solid var(--accent); font-size: 0.9rem; font-weight: 800;
}
.section-desc { color: var(--muted); font-size: 0.94rem; margin: 0 0 20px; max-width: 40rem; }
.subhead { margin: 30px 0 8px; font-size: 1.05rem; font-weight: 700; }
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm);
}

/* ============ tabs ============ */
.tabs {
  display: flex; gap: 8px; margin-bottom: 18px; flex-wrap: wrap;
  background: var(--surface); border: 1px solid var(--line);
  padding: 6px; border-radius: 16px;
}
.tab {
  border: none; background: transparent; border-radius: 11px; flex: 1 1 auto;
  padding: 12px 18px; min-height: 48px; font-size: 0.94rem; font-weight: 700; font-family: inherit;
  cursor: pointer; color: var(--muted);
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  transition: all 0.2s ease;
}
.tab svg { width: 17px; height: 17px; }
.tab:hover { color: var(--ink); }
.tab.active { background: var(--accent-soft); color: var(--accent); box-shadow: inset 0 0 0 1px var(--accent); }
.tabpane { display: none; }
.tabpane.active { display: block; animation: fadeSlide 0.28s ease; }
@keyframes fadeSlide { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

/* ============ dropzone ============ */
.dropzone {
  border: 1.5px dashed var(--line-strong); border-radius: var(--radius);
  padding: 44px 22px; text-align: center; background: var(--surface);
  cursor: pointer; transition: all 0.22s ease; position: relative; overflow: hidden;
}
.dropzone:hover { border-color: var(--accent); background: var(--accent-soft); }
.dropzone.dragover { border-color: var(--accent); background: var(--accent-soft); transform: scale(1.005); }
.dropzone.is-loading { pointer-events: none; opacity: 0.75; }
.dz-icon {
  width: 58px; height: 58px; border-radius: 18px; margin: 0 auto 14px;
  background: var(--accent-soft); display: flex; align-items: center; justify-content: center;
}
.dz-icon svg { width: 28px; height: 28px; color: var(--accent); }
.dropzone p { margin: 6px 0; }
.dz-title { font-size: 1.06rem; font-weight: 700; color: var(--ink); }
.dz-sub { font-size: 0.86rem; color: var(--muted); max-width: 30rem; margin-left: auto; margin-right: auto; }
.dz-trust {
  display: inline-flex; align-items: center; gap: 7px; margin-top: 12px;
  font-size: 0.78rem; font-weight: 600; color: var(--accent);
  background: var(--accent-soft); padding: 7px 13px; border-radius: 999px;
}
.dz-trust svg { width: 13px; height: 13px; }
.pwd-row { margin-top: 16px; }
.pwd-row label { font-size: 0.9rem; color: var(--ink-2); display: block; margin-bottom: 8px; }
.pwd-flex { display: flex; gap: 10px; }
.pwd-flex input { flex: 1; }

.parse-status { margin-top: 14px; font-size: 0.92rem; min-height: 24px; display: flex; align-items: center; gap: 10px; }
.parse-status.ok { color: var(--accent); font-weight: 600; }
.parse-status.err { color: var(--danger); font-weight: 600; }
.parse-status.loading { color: var(--muted); }
.spinner {
  width: 18px; height: 18px; flex: none; border-radius: 50%;
  border: 2.5px solid var(--line-strong); border-top-color: var(--accent);
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* skeleton shimmer */
.skeleton-rows { display: grid; gap: 10px; margin-top: 16px; }
.skel {
  height: 52px; border-radius: var(--radius-sm);
  background: linear-gradient(100deg, var(--surface-2) 40%, var(--surface-3) 50%, var(--surface-2) 60%);
  background-size: 200% 100%; animation: shimmer 1.3s infinite;
  border: 1px solid var(--line);
}
@keyframes shimmer { to { background-position: -200% 0; } }

/* ============ forms ============ */
input[type="text"], input[type="number"], input[type="date"], input[type="password"],
textarea, select {
  border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  padding: 12px 14px; font-size: 1rem; width: 100%; font-family: inherit;
  background: var(--input-bg); color: var(--ink);
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
  min-height: 48px;
}
input::placeholder, textarea::placeholder { color: var(--muted); opacity: 0.8; }
input:focus, textarea:focus, select:focus {
  outline: none; border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
textarea { resize: vertical; line-height: 1.6; }

/* ============ tables ============ */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 14px 0; border-radius: var(--radius-sm); border: 1px solid var(--line); }
.entry-table { border-collapse: collapse; width: 100%; min-width: 620px; font-size: 0.9rem; background: var(--surface); }
.entry-table th, .entry-table td { padding: 10px 12px; border-bottom: 1px solid var(--line); text-align: left; }
.entry-table thead th {
  background: var(--surface-2); font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--muted); font-weight: 700; border-bottom: 1px solid var(--line-strong);
}
.entry-table tbody tr:last-child td { border-bottom: none; }
.entry-table tbody tr { transition: background 0.15s ease; }
.entry-table tbody tr:hover { background: var(--surface-2); }
.entry-table input, .entry-table select { padding: 8px 10px; font-size: 0.9rem; min-height: 42px; }
.entry-table input[type="date"] { min-width: 140px; }
.row-del {
  background: var(--danger-soft); border: none; color: var(--danger);
  width: 44px; height: 44px; border-radius: 10px; font-size: 1rem; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  transition: transform 0.12s ease, background 0.2s ease;
}
.row-del:hover { background: var(--danger); color: #fff; }
.row-del:active { transform: scale(0.92); }
.add-row-btn { margin: 6px 0 18px; }

/* warnings / errors */
.warnings { margin: 12px 0; display: grid; gap: 8px; }
.warning {
  background: var(--gold-soft); border: 1px solid var(--gold);
  border-radius: var(--radius-sm); padding: 11px 15px; font-size: 0.9rem; color: var(--ink-2);
  display: flex; gap: 10px; align-items: flex-start;
}
.warning .w-ico { flex: none; color: var(--gold); font-weight: 800; }
.error { color: var(--danger); font-weight: 600; font-size: 0.9rem; margin: 10px 0; display: flex; gap: 8px; align-items: center; }
.empty-state {
  text-align: center; padding: 36px 20px; color: var(--muted);
  border: 1.5px dashed var(--line-strong); border-radius: var(--radius); background: var(--surface);
}
.empty-state .es-icon { font-size: 2rem; margin-bottom: 8px; }
.empty-state p { margin: 4px 0 16px; }

/* current values */
#currentValues { display: grid; gap: 10px; }
.cv-row {
  display: grid; grid-template-columns: 1fr 170px; gap: 12px; align-items: center;
  background: var(--surface); border: 1px solid var(--line);
  padding: 12px 14px; border-radius: var(--radius-sm);
  transition: border-color 0.2s ease;
}
.cv-row:focus-within { border-color: var(--accent); }
.cv-name { font-weight: 600; font-size: 0.92rem; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.asof-row { display: flex; align-items: center; gap: 12px; margin-top: 16px; max-width: 340px; }
.asof-row label { font-size: 0.9rem; color: var(--ink-2); font-weight: 600; white-space: nowrap; }
.calc-row { margin-top: 22px; display: flex; flex-direction: column; gap: 8px; align-items: stretch; }

/* ============ results ============ */
.result-hero {
  text-align: center; border-radius: 20px; padding: 36px 20px 30px; margin-bottom: 18px;
  background:
    radial-gradient(420px 200px at 50% -60px, var(--hero-glow-1), transparent 70%),
    var(--surface);
  border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
}
.result-hero::before {
  content: ""; position: absolute; top: 0; left: 10%; right: 10%; height: 3px;
  background: linear-gradient(90deg, transparent, var(--accent), transparent);
  border-radius: 3px;
}
.res-label { font-size: 0.74rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.xirr-big {
  font-size: 3.4rem; font-weight: 800; letter-spacing: -0.03em; line-height: 1.05;
  color: var(--accent); margin: 8px 0 4px;
  font-family: 'Noto Sans', 'Inter', sans-serif;
}
.xirr-big.neg { color: var(--danger); }
.res-verdict { font-size: 0.95rem; color: var(--ink-2); max-width: 34rem; margin: 0 auto; }
.stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 10px; }
.stat {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 16px;
  display: flex; gap: 12px; align-items: flex-start;
  transition: transform 0.18s ease, box-shadow 0.2s ease;
}
.stat:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.stat-ico {
  width: 38px; height: 38px; border-radius: 11px; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--surface-2); color: var(--accent);
}
.stat-ico svg { width: 19px; height: 19px; }
.stat-ico.gold { background: var(--gold-soft); color: var(--gold); }
.stat-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); font-weight: 700; }
.stat-val { font-size: 1.3rem; font-weight: 800; color: var(--ink); letter-spacing: -0.01em; margin-top: 2px; }
.stat-val.neg { color: var(--danger); }
.stat-val.pos { color: var(--accent); }

/* fund cards */
.fund-cards { display: grid; gap: 12px; margin: 14px 0 6px; }
.fund-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px; transition: transform 0.18s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.fund-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); border-color: var(--line-strong); }
.fund-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 12px; }
.fund-name { font-weight: 700; font-size: 0.98rem; line-height: 1.4; }
.fund-xirr {
  font-family: 'Noto Sans', 'Inter', sans-serif; font-weight: 800; font-size: 1.35rem;
  letter-spacing: -0.01em; white-space: nowrap; color: var(--accent);
}
.fund-xirr.neg { color: var(--danger); }
.fund-meta { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 0; padding-top: 12px; border-top: 1px solid var(--line); }
.fund-meta > div { min-width: 0; }
.fund-meta dt { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); font-weight: 700; margin-bottom: 3px; }
.fund-meta dd { margin: 0; font-weight: 700; font-size: 0.98rem; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.fund-meta dd.neg { color: var(--danger); }
.fund-meta dd.pos { color: var(--accent); }

/* unlock */
.unlock-box {
  border: 1px solid var(--gold); border-radius: 18px;
  padding: 30px 24px; margin: 30px 0; text-align: center;
  background:
    radial-gradient(360px 160px at 50% -40px, var(--gold-soft), transparent 70%),
    var(--surface);
  box-shadow: var(--shadow-sm); position: relative; overflow: hidden;
}
.unlock-badge {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold-deep); background: var(--gold-soft);
  padding: 6px 13px; border-radius: 999px; margin-bottom: 12px;
}
[data-theme="dark"] .unlock-badge { color: var(--gold); }
.unlock-box h3 { margin: 0 0 8px; font-size: 1.3rem; letter-spacing: -0.01em; }
.unlock-box p { max-width: 32rem; margin-left: auto; margin-right: auto; }
.unlock-box.unlocked { border-color: var(--accent); }
.unlocked-check {
  width: 54px; height: 54px; border-radius: 50%; margin: 0 auto 12px;
  background: var(--accent-soft); color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  animation: popIn 0.4s cubic-bezier(0.2, 1.4, 0.4, 1);
}
.unlocked-check svg { width: 26px; height: 26px; }
@keyframes popIn { from { transform: scale(0.5); opacity: 0; } to { transform: scale(1); opacity: 1; } }

/* ============ faq ============ */
.faq { display: grid; gap: 10px; }
.faq-item {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 0; overflow: hidden; transition: border-color 0.2s ease;
}
.faq-item[open] { border-color: var(--line-strong); }
.faq-item summary {
  padding: 16px 18px; font-weight: 700; cursor: pointer; list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 56px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .fi-chev { flex: none; color: var(--muted); transition: transform 0.22s ease; font-size: 0.8rem; }
.faq-item[open] summary .fi-chev { transform: rotate(180deg); }
.faq-item .fi-body { padding: 0 18px 18px; color: var(--ink-2); font-size: 0.95rem; }
.faq-item .fi-body p { margin: 0; }

/* ============ footer ============ */
footer { border-top: 1px solid var(--line); padding: 30px 0 40px; font-size: 0.9rem; background: var(--bg-soft); }
footer .foot-brand { font-weight: 800; color: var(--ink); }
.foot-privacy {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 10px;
  font-size: 0.82rem; color: var(--accent);
}
.foot-privacy svg { width: 14px; height: 14px; }

/* ============ modal ============ */
.modal-backdrop {
  position: fixed; inset: 0; z-index: 100;
  background: rgba(4, 8, 12, 0.66);
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center; padding: 18px;
  animation: fadeIn 0.22s ease;
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal {
  background: var(--surface); border: 1px solid var(--line-strong);
  border-radius: 20px; padding: 30px 26px; max-width: 430px; width: 100%;
  position: relative; box-shadow: var(--shadow);
  animation: modalIn 0.3s cubic-bezier(0.2, 1.2, 0.4, 1);
  max-height: 92vh; overflow-y: auto;
}
@keyframes modalIn { from { opacity: 0; transform: translateY(18px) scale(0.97); } to { opacity: 1; transform: none; } }
.modal h3 { margin: 0 0 6px; font-size: 1.25rem; letter-spacing: -0.01em; }
.modal-close {
  position: absolute; top: 10px; right: 10px; width: 44px; height: 44px;
  background: none; border: none; font-size: 1.15rem; cursor: pointer; color: var(--muted);
  border-radius: 12px; display: inline-flex; align-items: center; justify-content: center;
}
.modal-close:hover { background: var(--surface-2); color: var(--ink); }
.price-line { font-size: 1.35rem; margin: 4px 0 6px; }
.paywarn {
  background: var(--gold-soft); border: 1px solid var(--gold); border-radius: var(--radius-sm);
  padding: 11px 14px; font-size: 0.85rem; margin: 14px 0; color: var(--ink-2);
}
.divider { display: flex; align-items: center; gap: 10px; margin: 20px 0 8px; color: var(--muted); font-size: 0.84rem; }
.divider::before, .divider::after { content: ""; flex: 1; height: 1px; background: var(--line); }
#utrInput { letter-spacing: 3px; font-size: 1.25rem; text-align: center; margin: 10px 0; font-weight: 700; }

/* ============ responsive ============ */
@media (min-width: 640px) {
  .hero { padding: 84px 0 72px; }
  .hero h1 { font-size: 2.9rem; }
  .stat-grid { grid-template-columns: repeat(4, 1fr); }
  .xirr-big { font-size: 4.2rem; }
  .fund-cards { grid-template-columns: repeat(2, 1fr); }
  .calc-row { align-items: flex-start; }
  .calc-row .btn-lg { min-width: 280px; }
}
@media (min-width: 960px) {
  .fund-cards { grid-template-columns: repeat(3, 1fr); }
}

/* ============ reduced motion ============ */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

/* QA fixes: disabled pay button + skipped-lines review block */
.btn-disabled,
.btn:disabled {
  opacity: 0.45;
  cursor: not-allowed;
  filter: grayscale(0.4);
}
.skipped-block ul.skipped-lines {
  list-style: none;
  margin: 8px 0 0;
  padding: 0;
  max-height: 180px;
  overflow-y: auto;
}
.skipped-block ul.skipped-lines li {
  padding: 6px 0;
  border-top: 1px dashed rgba(255, 255, 255, 0.12);
  font-size: 0.85em;
}
.skipped-block ul.skipped-lines code {
  display: block;
  opacity: 0.85;
  word-break: break-word;
}
.skipped-block .skip-reason {
  display: inline-block;
  margin-top: 2px;
  padding: 1px 8px;
  border-radius: 999px;
  font-size: 0.78em;
  background: rgba(232, 179, 75, 0.15);
  color: #e8b34b;
}

/* QA: cash-flow direction badges in review table + verdict disclaimer */
.dir-badge {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 999px;
  font-size: 0.78em;
  font-weight: 600;
  white-space: nowrap;
}
.dir-in { background: rgba(239, 68, 68, 0.13); color: #f87171; }
.dir-out { background: rgba(16, 185, 129, 0.13); color: #10b981; }
.dir-zero { background: rgba(148, 163, 184, 0.15); color: #94a3b8; }
.res-disclaimer {
  font-size: 0.8em;
  opacity: 0.65;
  margin-top: 6px;
}
.hero-caveat { opacity: 0.75; font-size: 0.92em; }