/* ============================================================
   AI Money Tools — Glassmorphism Design System
   ============================================================ */
:root{
  --bg-0:#060818;
  --bg-1:#0b0f2a;
  --glass:rgba(255,255,255,.055);
  --glass-2:rgba(255,255,255,.085);
  --glass-brd:rgba(255,255,255,.12);
  --glass-brd-2:rgba(255,255,255,.22);
  --txt:#eef1ff;
  --txt-2:#aab1d6;
  --txt-3:#7c84ad;
  --c1:#5eead4; /* teal   */
  --c2:#818cf8; /* indigo */
  --c3:#f472b6; /* pink   */
  --ok:#34d399;
  --warn:#fbbf24;
  --bad:#f87171;
  --grad:linear-gradient(100deg,var(--c1),var(--c2) 55%,var(--c3));
  --radius:20px;
  --radius-s:12px;
  --shadow:0 18px 50px rgba(2,4,20,.55);
  --maxw:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg-0);
  color:var(--txt);
  line-height:1.65;
  min-height:100vh;
  overflow-x:hidden;
}
/* ---- ambient gradient orbs ---- */
.orbs{position:fixed;inset:0;z-index:-2;overflow:hidden;background:
  radial-gradient(1200px 800px at 85% -10%,rgba(129,140,248,.16),transparent 60%),
  radial-gradient(1000px 700px at -10% 30%,rgba(94,234,212,.12),transparent 60%),
  radial-gradient(900px 700px at 60% 110%,rgba(244,114,182,.12),transparent 60%),
  linear-gradient(180deg,var(--bg-0),var(--bg-1) 60%,var(--bg-0));}
.orbs::before,.orbs::after{content:"";position:absolute;border-radius:50%;filter:blur(90px);opacity:.5;animation:float 18s ease-in-out infinite alternate}
.orbs::before{width:520px;height:520px;left:-120px;top:12%;background:radial-gradient(circle,rgba(94,234,212,.35),transparent 70%)}
.orbs::after{width:620px;height:620px;right:-160px;top:45%;background:radial-gradient(circle,rgba(129,140,248,.32),transparent 70%);animation-delay:-9s}
@keyframes float{from{transform:translateY(-30px)}to{transform:translateY(40px)}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

a{color:var(--c1);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---- glass primitives ---- */
.glass{
  background:var(--glass);
  border:1px solid var(--glass-brd);
  border-radius:var(--radius);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  backdrop-filter:blur(18px) saturate(140%);
  box-shadow:var(--shadow);
}
.glass-hover{transition:transform .25s ease,border-color .25s ease,background .25s ease}
.glass-hover:hover{transform:translateY(-4px);border-color:var(--glass-brd-2);background:var(--glass-2)}

/* ---- header ---- */
.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.07);
  background:rgba(7,9,28,.72);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px)}
.nav{display:flex;align-items:center;gap:18px;height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.08rem;color:var(--txt);letter-spacing:.2px;white-space:nowrap}
.logo:hover{text-decoration:none}
.logo-mark{width:34px;height:34px;border-radius:10px;background:var(--grad);display:grid;place-items:center;font-size:17px;flex:0 0 auto;box-shadow:0 6px 18px rgba(129,140,248,.45)}
.nav-links{display:flex;gap:4px;margin-left:8px;flex:1}
.nav-links a{color:var(--txt-2);font-size:.92rem;font-weight:500;padding:8px 13px;border-radius:999px;transition:.2s}
.nav-links a:hover,.nav-links a.active{color:var(--txt);background:rgba(255,255,255,.08);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:12px}
/* region toggle */
.region-toggle{display:flex;border:1px solid var(--glass-brd);border-radius:999px;overflow:hidden;background:rgba(255,255,255,.05)}
.region-toggle button{appearance:none;border:0;background:transparent;color:var(--txt-2);font:inherit;font-size:.85rem;font-weight:600;padding:7px 14px;cursor:pointer;transition:.2s;display:flex;align-items:center;gap:6px}
.region-toggle button.on{background:var(--grad);color:#081022}
.menu-btn{display:none;appearance:none;border:1px solid var(--glass-brd);background:rgba(255,255,255,.05);color:var(--txt);border-radius:10px;width:42px;height:42px;font-size:20px;cursor:pointer}

/* ---- hero ---- */
.hero{padding:72px 0 44px;text-align:center;position:relative}
.hero .eyebrow,.eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--glass-brd);background:var(--glass);border-radius:999px;padding:7px 16px;font-size:.82rem;color:var(--txt-2);font-weight:600;letter-spacing:.4px}
.hero h1{font-size:clamp(2.1rem,5.4vw,3.6rem);line-height:1.12;font-weight:800;margin:22px auto 18px;max-width:900px;letter-spacing:-.5px}
.hero p.lede{color:var(--txt-2);font-size:clamp(1rem,2.2vw,1.18rem);max-width:720px;margin:0 auto 30px}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:.98rem;padding:13px 26px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:.22s;text-decoration:none}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-grad{background:var(--grad);color:#081022;box-shadow:0 10px 30px rgba(129,140,248,.4)}
.btn-ghost{background:var(--glass);border-color:var(--glass-brd);color:var(--txt)}
.btn-ghost:hover{border-color:var(--glass-brd-2)}
.hero-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;max-width:840px;margin:46px auto 0}
.stat{padding:20px 12px;text-align:center}
.stat b{display:block;font-size:1.7rem;font-weight:800}
.stat span{color:var(--txt-3);font-size:.82rem;font-weight:600;letter-spacing:.5px;text-transform:uppercase}

/* ---- sections ---- */
section{padding:56px 0}
.sec-head{text-align:center;max-width:720px;margin:0 auto 40px}
.sec-head .kicker{color:var(--c1);font-weight:700;font-size:.82rem;letter-spacing:2px;text-transform:uppercase}
.sec-head h2{font-size:clamp(1.6rem,3.6vw,2.3rem);font-weight:800;margin:10px 0 12px;letter-spacing:-.4px}
.sec-head p{color:var(--txt-2)}

/* ---- filters + tool grid ---- */
.filters{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-bottom:34px}
.chip{appearance:none;border:1px solid var(--glass-brd);background:var(--glass);color:var(--txt-2);font:inherit;font-size:.88rem;font-weight:600;padding:9px 20px;border-radius:999px;cursor:pointer;transition:.2s}
.chip:hover{color:var(--txt);border-color:var(--glass-brd-2)}
.chip.on{background:var(--grad);color:#081022;border-color:transparent}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.tool-card{display:flex;flex-direction:column;gap:12px;padding:24px;color:var(--txt);position:relative;overflow:hidden}
.tool-card:hover{text-decoration:none}
.tool-card .cat{font-size:.72rem;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--c1)}
.tool-card[data-cat="legal"] .cat{color:var(--c2)}
.tool-card[data-cat="lifestyle"] .cat{color:var(--c3)}
.tool-card .t-ico{width:48px;height:48px;border-radius:14px;background:rgba(255,255,255,.07);border:1px solid var(--glass-brd);display:grid;place-items:center;font-size:23px}
.tool-card h3{font-size:1.1rem;font-weight:700;letter-spacing:-.2px}
.tool-card p{color:var(--txt-2);font-size:.9rem;flex:1}
.tool-card .go{font-size:.86rem;font-weight:700;color:var(--c1)}
.tool-card.hidden{display:none}
.live-dot{position:absolute;top:18px;right:18px;display:flex;align-items:center;gap:6px;font-size:.7rem;font-weight:700;letter-spacing:1px;color:var(--ok)}
.live-dot::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--ok);box-shadow:0 0 10px var(--ok);animation:pulse 2s infinite}
@keyframes pulse{50%{opacity:.4}}

/* ---- breadcrumbs ---- */
.crumbs{padding:20px 0 0;font-size:.85rem;color:var(--txt-3)}
.crumbs a{color:var(--txt-2)}
.crumbs span{margin:0 7px;opacity:.5}

/* ---- tool page ---- */
.tool-hero{padding:34px 0 10px;text-align:left}
.tool-hero h1{font-size:clamp(1.7rem,4vw,2.5rem);font-weight:800;letter-spacing:-.5px;margin:14px 0 10px}
.tool-hero .lede{color:var(--txt-2);max-width:820px;font-size:1.05rem}
.tool-shell{padding:28px;margin-top:26px}
.tool-shell h2.panel-title{font-size:1.15rem;font-weight:700;margin-bottom:4px}
.panel-sub{color:var(--txt-3);font-size:.86rem;margin-bottom:20px}
.region-note{display:inline-flex;align-items:center;gap:8px;margin:14px 0 0;padding:7px 14px;border-radius:999px;font-size:.82rem;font-weight:600;background:rgba(94,234,212,.1);border:1px solid rgba(94,234,212,.3);color:var(--c1)}

/* region-specific blocks */
[data-r]{display:none}
body[data-region="uk"] [data-r="uk"]{display:revert}
body[data-region="us"] [data-r="us"]{display:revert}
body[data-region="uk"] .flag-us,body[data-region="us"] .flag-uk{display:none}

/* ---- forms ---- */
.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:7px}
.field label{font-size:.84rem;font-weight:600;color:var(--txt-2)}
.field .hint{font-size:.75rem;color:var(--txt-3)}
.field input,.field select,.field textarea{
  appearance:none;font:inherit;color:var(--txt);
  background:rgba(255,255,255,.06);
  border:1px solid var(--glass-brd);
  border-radius:var(--radius-s);
  padding:12px 14px;font-size:.96rem;width:100%;
  transition:border-color .2s, box-shadow .2s;
}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23aab1d6' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.field select option{background:#11153a;color:var(--txt)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--c2);box-shadow:0 0 0 3px rgba(129,140,248,.22)}
.field input[type=number]{-moz-appearance:textfield}
.field input::-webkit-outer-spin-button,.field input::-webkit-inner-spin-button{-webkit-appearance:none}
.input-wrap{position:relative}
.input-wrap .sym{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--txt-3);font-weight:600}
.input-wrap input{padding-left:32px}
textarea{resize:vertical;min-height:90px}
.check{display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--txt-2);cursor:pointer}
.check input{width:18px;height:18px;accent-color:#818cf8}
.actions{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}
fieldset{border:0}

/* ---- results ---- */
.results{display:none;margin-top:26px;padding-top:24px;border-top:1px dashed rgba(255,255,255,.15)}
.results.show{display:block;animation:fadeUp .4s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.res-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:14px;margin-bottom:20px}
.res-card{padding:18px;border-radius:var(--radius-s);background:rgba(255,255,255,.05);border:1px solid var(--glass-brd);text-align:center}
.res-card .lbl{font-size:.75rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--txt-3)}
.res-card .val{font-size:1.45rem;font-weight:800;margin-top:5px}
.res-card.hero-val{background:linear-gradient(135deg,rgba(94,234,212,.14),rgba(129,140,248,.14));border-color:rgba(129,140,248,.4)}
.res-card.hero-val .val{font-size:1.7rem;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.good{color:var(--ok)}.warn{color:var(--warn)}.bad{color:var(--bad)}
.res-table{width:100%;border-collapse:collapse;font-size:.92rem;margin:10px 0}
.res-table th,.res-table td{text-align:left;padding:11px 12px;border-bottom:1px solid rgba(255,255,255,.08)}
.res-table th{color:var(--txt-3);font-size:.76rem;text-transform:uppercase;letter-spacing:1px}
.res-table td:last-child,.res-table th:last-child{text-align:right}
.res-table tr.total td{font-weight:800;border-top:2px solid rgba(255,255,255,.2)}
.explain{background:rgba(255,255,255,.04);border-left:3px solid var(--c2);border-radius:0 var(--radius-s) var(--radius-s) 0;padding:16px 18px;font-size:.92rem;color:var(--txt-2);margin-top:16px}
.explain b{color:var(--txt)}
.bar-wrap{height:12px;border-radius:999px;background:rgba(255,255,255,.08);overflow:hidden;margin:6px 0 14px;display:flex}
.bar-seg{height:100%}
.doc-output{background:rgba(255,255,255,.05);border:1px solid var(--glass-brd);border-radius:var(--radius-s);padding:26px;font-size:.93rem;white-space:pre-wrap;font-family:Georgia,'Times New Roman',serif;line-height:1.8;max-height:560px;overflow:auto}
.pill-list{display:flex;flex-wrap:wrap;gap:10px}
.pill-list .pill{background:rgba(255,255,255,.06);border:1px solid var(--glass-brd);border-radius:999px;padding:9px 18px;font-size:.92rem;font-weight:600}

/* ---- ads ---- */
.ad-slot{margin:34px auto;text-align:center;max-width:var(--maxw);padding:0 20px}
.ad-slot .ad-box{border:1px dashed rgba(255,255,255,.14);border-radius:var(--radius-s);background:rgba(255,255,255,.025);min-height:100px;display:grid;place-items:center;color:var(--txt-3);font-size:.72rem;letter-spacing:2px;text-transform:uppercase}
.ad-slot.compact .ad-box{min-height:90px}

/* ---- SEO content ---- */
.content-prose{max-width:860px;margin:0 auto}
.content-prose h2{font-size:1.5rem;font-weight:800;margin:40px 0 14px;letter-spacing:-.3px}
.content-prose h3{font-size:1.12rem;font-weight:700;margin:26px 0 10px}
.content-prose p{color:var(--txt-2);margin-bottom:14px}
.content-prose ul,.content-prose ol{color:var(--txt-2);margin:0 0 14px 22px}
.content-prose li{margin-bottom:7px}
.content-prose table{width:100%;border-collapse:collapse;font-size:.92rem;margin:16px 0 22px}
.content-prose th,.content-prose td{text-align:left;padding:10px 12px;border-bottom:1px solid rgba(255,255,255,.1)}
.content-prose th{color:var(--txt);font-weight:700;background:rgba(255,255,255,.04)}
.content-prose td{color:var(--txt-2)}
.content-prose strong{color:var(--txt)}

/* ---- FAQ ---- */
.faq-list{max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{border-radius:var(--radius-s);overflow:hidden}
.faq-item summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px;padding:18px 22px;font-weight:600;font-size:.98rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--c1);transition:.25s;flex:0 0 auto}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .faq-a{padding:0 22px 20px;color:var(--txt-2);font-size:.93rem}

/* ---- related ---- */
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}

/* ---- compare table (home) ---- */
.vs-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px}
.vs-card{padding:24px}
.vs-card h3{font-size:1rem;font-weight:700;margin-bottom:14px;color:var(--c1)}
.vs-card .row{display:grid;grid-template-columns:34px 1fr;gap:12px;padding:12px 0;border-top:1px solid rgba(255,255,255,.08);font-size:.9rem;color:var(--txt-2)}
.vs-card .row b{color:var(--txt)}

/* ---- footer ---- */
.site-footer{margin-top:60px;border-top:1px solid rgba(255,255,255,.08);background:rgba(5,7,22,.6);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px)}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;padding:52px 0 34px}
.foot-grid h4{font-size:.82rem;letter-spacing:1.4px;text-transform:uppercase;color:var(--txt-3);margin-bottom:14px}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:9px}
.foot-grid a{color:var(--txt-2);font-size:.9rem}
.foot-grid a:hover{color:var(--txt)}
.foot-brand p{color:var(--txt-3);font-size:.88rem;margin-top:12px;max-width:320px}
.foot-legal{border-top:1px solid rgba(255,255,255,.07);padding:20px 0 26px;font-size:.78rem;color:var(--txt-3);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.disclaimer-strip{font-size:.78rem;color:var(--txt-3);padding:18px 0 0;max-width:820px}

/* ---- utility ---- */
.center{text-align:center}
.mt-0{margin-top:0}.mt-2{margin-top:18px}.mb-2{margin-bottom:18px}
.hide{display:none!important}

/* ---- responsive ---- */
@media (max-width:900px){
  .foot-grid{grid-template-columns:1fr 1fr}
  .stats-row{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:760px){
  .nav{height:60px}
  .nav-links{position:fixed;inset:60px 0 auto 0;flex-direction:column;background:rgba(7,9,28,.97);-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);padding:16px 20px 24px;border-bottom:1px solid var(--glass-brd);display:none;z-index:49}
  .nav-links.open{display:flex}
  .nav-links a{padding:13px 14px;font-size:1rem}
  .menu-btn{display:block}
  .region-toggle button{padding:7px 10px;font-size:.8rem}
  .hero{padding:48px 0 30px}
  section{padding:40px 0}
  .tool-shell{padding:20px 16px}
  .foot-grid{grid-template-columns:1fr;gap:26px;padding:40px 0 26px}
  .res-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:460px){
  .res-grid{grid-template-columns:1fr}
  .stats-row{gap:10px}
  .stat b{font-size:1.3rem}
}
@media print{
  .orbs,.site-header,.ad-slot,.site-footer,.actions,.filters,.crumbs,.related-sec,.faq-sec,.content-sec,.tool-hero .lede,.region-note{display:none!important}
  body{background:#fff;color:#000}
  .glass{background:#fff;border:1px solid #ddd;box-shadow:none;color:#000}
  .doc-output{max-height:none;color:#000;background:#fff;border:0}
  .res-card .val,.res-card .lbl{color:#000;-webkit-text-fill-color:#000}
}