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

:root {
  --bg: #fafafa;
  --bg-card: #ffffff;
  --bg-card-hover: #f5f5f5;
  --bg-elevated: #f0f0f0;
  --border: #e0e0e0;
  --border-light: #d0d0d0;
  --text: #1a1a1a;
  --text-secondary: #555555;
  --text-muted: #888888;
  --accent: #1a9e92;
  --accent-dim: rgba(46, 196, 182, 0.10);
  --accent-hover: #25a89c;
  --amber: #c48a1a;
  --amber-dim: rgba(196, 138, 26, 0.12);
  --red: #d04444;
  --red-dim: rgba(208, 68, 68, 0.10);
  --green: #1a8a4a;
  --green-dim: rgba(26, 138, 74, 0.10);
  --font-heading: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 2px 12px rgba(0,0,0,0.08);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

[data-theme="dark"] {
  --bg: #0D0D0D;
  --bg-card: #161616;
  --bg-card-hover: #1c1c1c;
  --bg-elevated: #1a1a1a;
  --border: #2a2a2a;
  --border-light: #333;
  --text: #e8e6e3;
  --text-secondary: #9a9590;
  --text-muted: #666;
  --accent: #2ec4b6;
  --accent-dim: rgba(46, 196, 182, 0.15);
  --accent-hover: #3dd5c7;
  --amber: #e8a838;
  --amber-dim: rgba(232, 168, 56, 0.15);
  --red: #e85d5d;
  --red-dim: rgba(232, 93, 93, 0.12);
  --green: #4ade80;
  --green-dim: rgba(74, 222, 128, 0.12);
  --shadow: 0 4px 24px rgba(0,0,0,0.3);
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 5rem; /* offset for sticky header */
}

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

/* ── Header ── */
.site-header {
  padding: 1.5rem 2rem;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  z-index: 100;
}
.site-header .logo {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  color: var(--text);
  letter-spacing: -0.02em;
  text-decoration: none;
}
.site-header .logo span { color: var(--accent); }
.header-right {
  display: flex;
  gap: 1rem;
  align-items: center;
}
.btn-theme-toggle {
  background: var(--bg-card);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  padding: 0.4rem 0.75rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.8rem;
  font-family: var(--font-body);
  transition: var(--transition);
}
.btn-theme-toggle:hover { border-color: var(--accent); color: var(--accent); }

[data-theme="dark"] .site-header { background: rgba(13,13,13,0.92); }

/* ── Layout ── */
.container { max-width: 1100px; margin: 0 auto; padding: 0 1.5rem; }

/* ── Hero / Intro ── */
.hero {
  text-align: center;
  padding: 4rem 1.5rem 3rem;
}
.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 3.2rem);
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
  line-height: 1.15;
}
.hero h1 em { font-style: normal; color: var(--accent); }
.hero p {
  color: var(--text-secondary);
  font-size: 1.1rem;
  max-width: 560px;
  margin: 0 auto 2rem;
}
.btn-start {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--accent);
  color: #1a1a1a;
  border: none;
  padding: 0.9rem 2rem;
  font-size: 1rem;
  font-weight: 600;
  font-family: var(--font-body);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
}
.btn-start:hover:not(:disabled) { background: var(--accent-hover); transform: translateY(-1px); }
.btn-start:disabled { opacity: 0.5; cursor: not-allowed; }
.btn-start svg { width: 18px; height: 18px; }

/* ── Wizard ── */
#wizard {
  display: none;
  padding: 2rem 0 4rem;
}
#wizard.active { display: block; }

.wizard-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 2.5rem;
}
.progress-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--border);
  transition: var(--transition);
}
.progress-dot.active { background: var(--accent); transform: scale(1.2); }
.progress-dot.done { background: var(--accent); opacity: 0.5; }
.progress-line {
  width: 24px;
  height: 2px;
  background: var(--border);
  transition: var(--transition);
}
.progress-line.done { background: var(--accent); opacity: 0.5; }

.wizard-step {
  display: none;
  animation: fadeSlideIn 0.4s ease;
}
.wizard-step.active { display: block; }

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-card {
  max-width: 640px;
  margin: 0 auto;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2.5rem;
}
.step-card .step-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 0.75rem;
  font-weight: 600;
}
.step-card h2 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}
.step-card .step-desc {
  color: var(--text-secondary);
  font-size: 0.9rem;
  margin-bottom: 1.5rem;
}

.options-grid {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.option-btn {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  width: 100%;
  text-align: left;
  background: var(--bg);
  border: 1px solid var(--border);
  color: var(--text);
  padding: 0.85rem 1.1rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.95rem;
  transition: var(--transition);
  position: relative;
}
.option-btn:hover { border-color: var(--accent); background: var(--accent-dim); }
.option-btn.selected {
  border-color: var(--accent);
  background: var(--accent-dim);
}
.option-btn .check-indicator {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid var(--border-light);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.option-btn.multi .check-indicator { border-radius: 4px; }
.option-btn.selected .check-indicator {
  border-color: var(--accent);
  background: var(--accent);
}
.option-btn.selected .check-indicator::after {
  content: '\2713';
  color: #1a1a1a;
  font-size: 0.7rem;
  font-weight: 700;
}
.option-btn .option-detail {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ── Balance inputs (account splitter) ── */
.balance-inputs {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 0.5rem;
}
.balance-input-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.balance-input-row label {
  font-weight: 500;
  font-size: 0.95rem;
  min-width: 120px;
}
.balance-input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-card);
  overflow: hidden;
  flex: 1;
  max-width: 240px;
}
.balance-currency {
  padding: 0.55rem 0 0.55rem 0.75rem;
  font-weight: 600;
  color: var(--text-secondary);
  font-size: 0.95rem;
}
.balance-input {
  border: none;
  outline: none;
  background: transparent;
  padding: 0.55rem 0.75rem 0.55rem 0.35rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  width: 100%;
  -moz-appearance: textfield;
}
.balance-input::-webkit-outer-spin-button,
.balance-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.balance-input:focus {
  outline: none;
}
.balance-input-wrap:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-dim);
}
.balance-total {
  margin-top: 1rem;
  padding-top: 0.75rem;
  border-top: 1px solid var(--border);
  font-size: 0.95rem;
  color: var(--text-secondary);
  text-align: right;
}
.balance-total strong {
  color: var(--text);
  font-size: 1.1rem;
}

/* ── Fee Popover Tooltips ── */
.fee-popover-wrap {
  position: relative;
  display: inline;
}
.fee-popover-trigger {
  text-decoration: underline dotted;
  text-decoration-color: var(--text-secondary);
  text-underline-offset: 3px;
  cursor: help;
  display: inline-flex;
  align-items: baseline;
  gap: 0.25em;
}
.fee-popover-trigger .tooltip-icon {
  font-size: 0.75em;
  opacity: 0.6;
}
.fee-popover {
  display: none;
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-size: 0.82rem;
  line-height: 1.5;
  color: var(--text-secondary);
  white-space: pre-line;
  box-shadow: var(--shadow);
  z-index: 50;
  min-width: 220px;
  max-width: 320px;
  pointer-events: none;
}
.fee-popover::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  border: 6px solid transparent;
  border-top-color: var(--border);
}
.fee-popover.visible {
  display: block;
}
/* On narrow screens, anchor left instead of center to avoid overflow */
@media (max-width: 640px) {
  .fee-popover {
    left: 0;
    transform: none;
    max-width: calc(100vw - 3rem);
  }
  .fee-popover::after {
    left: 1rem;
    transform: none;
  }
}

.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  max-width: 640px;
  margin: 1.5rem auto 0;
}
.btn-wizard {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.65rem 1.4rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid var(--border);
  background: var(--bg-card);
  color: var(--text-secondary);
}
.btn-wizard:hover { border-color: var(--text-secondary); color: var(--text); }
.btn-wizard.primary {
  background: var(--accent);
  color: #1a1a1a;
  border-color: var(--accent);
  font-weight: 600;
}
.btn-wizard.primary:hover { background: var(--accent-hover); }
.btn-wizard:disabled { opacity: 0.3; cursor: not-allowed; }
.btn-wizard svg { width: 16px; height: 16px; }

/* ── Results ── */
#results {
  display: none;
  padding: 2rem 0 4rem;
}
#results.active { display: block; animation: fadeSlideIn 0.5s ease; }

.results-header {
  text-align: center;
  margin-bottom: 2rem;
}
.results-header h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.5rem, 3.5vw, 2.2rem);
  margin-bottom: 0.5rem;
}
.results-header p { color: var(--text-secondary); font-size: 0.95rem; }

.results-actions {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.btn-action {
  padding: 0.5rem 1.1rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.85rem;
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid var(--border);
  background: var(--bg-card);
  color: var(--text-secondary);
  font-weight: 500;
}
.btn-action:hover { border-color: var(--accent); color: var(--accent); }
.btn-action.active { border-color: var(--accent); color: var(--accent); background: var(--accent-dim); }

.fscs-notice {
  background: var(--amber-dim);
  border: 1px solid rgba(232,168,56,0.3);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  margin-bottom: 1.5rem;
  font-size: 0.85rem;
  color: var(--amber);
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.fscs-notice svg { flex-shrink: 0; margin-top: 2px; }

.breakeven-insight {
  background: var(--accent-dim);
  border: 1px solid rgba(46, 196, 182, 0.3);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  margin-bottom: 1.5rem;
  font-size: 0.85rem;
  color: var(--text-secondary);
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.breakeven-insight svg { flex-shrink: 0; margin-top: 2px; }

/* Broker Cards */
.broker-list { display: flex; flex-direction: column; gap: 1rem; }

.broker-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}
.broker-card:hover { border-color: var(--border-light); }
.broker-card.top-pick { border-color: var(--accent); }
.broker-card.top-pick .card-header { border-left: 3px solid var(--accent); }

.card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  user-select: none;
}
.card-rank {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--text-muted);
  width: 32px;
  text-align: center;
  flex-shrink: 0;
}
.broker-card.top-pick .card-rank { color: var(--accent); }

.card-info { flex: 1; min-width: 0; }
.card-info h3 {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  margin-bottom: 0.2rem;
}
.card-info .broker-reason {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

.card-cost {
  text-align: right;
  flex-shrink: 0;
}
.card-cost .cost-amount {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text);
  font-family: var(--font-body);
}
.card-cost .cost-label {
  font-size: 0.72rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.cost-bar-container {
  padding: 0 1.5rem 0;
  margin-top: -0.25rem;
}
.cost-bar-track {
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  overflow: hidden;
}
.cost-bar-fill {
  height: 100%;
  border-radius: 2px;
  background: var(--accent);
  transition: width 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}

.card-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  padding: 0.75rem 1.5rem 0;
}
.tag {
  display: inline-block;
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.tag-green { background: var(--green-dim); color: var(--green); }
.tag-amber { background: var(--amber-dim); color: var(--amber); }
.tag-red { background: var(--red-dim); color: var(--red); }
.tag-accent { background: var(--accent-dim); color: var(--accent); }

.card-compare-toggle {
  padding: 0.5rem 1.25rem 0.75rem;
}
.compare-checkbox {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: var(--accent);
  cursor: pointer;
  font-weight: 500;
  padding: 0.35rem 0.75rem;
  border: 1px dashed var(--accent);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  opacity: 0.7;
}
.compare-checkbox:hover,
.compare-checkbox:has(input:checked) {
  opacity: 1;
  background: var(--accent-dim);
  border-style: solid;
}
.compare-checkbox input {
  accent-color: var(--accent);
}

.card-details {
  display: none;
  border-top: 1px solid var(--border);
  padding: 1.5rem;
  animation: fadeSlideIn 0.3s ease;
}
.card-details.open { display: block; }

.details-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.detail-item {
  display: flex;
  flex-direction: column;
}
.detail-item .detail-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin-bottom: 0.2rem;
}
.detail-item .detail-value {
  font-size: 0.95rem;
  font-weight: 500;
}

.detail-warnings {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.warning-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: var(--amber);
  margin-bottom: 0.4rem;
}
.warning-item svg { flex-shrink: 0; margin-top: 2px; }

.detail-notes {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
  font-size: 0.82rem;
  color: var(--text-secondary);
}

.detail-calc-cta {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}

.btn-calc-link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  padding: 0.5rem 0;
  transition: var(--transition);
}

.btn-calc-link:hover {
  color: var(--accent-hover);
}

.show-all-btn {
  display: block;
  width: 100%;
  max-width: 640px;
  margin: 1.5rem auto 0;
  padding: 0.8rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  font-family: var(--font-body);
  font-size: 0.9rem;
  cursor: pointer;
  transition: var(--transition);
}
.show-all-btn:hover { border-color: var(--accent); color: var(--accent); }

/* ── Comparison Table ── */
#comparison {
  display: none;
  padding: 2rem 0 4rem;
}
#comparison.active { display: block; animation: fadeSlideIn 0.5s ease; }

.comparison-header {
  text-align: center;
  margin-bottom: 2rem;
}
.comparison-header h2 {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
}
.comparison-header p { color: var(--text-secondary); font-size: 0.9rem; }

.comparison-table-wrapper {
  overflow-x: auto;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
  min-width: 500px;
}
.comparison-table th,
.comparison-table td {
  padding: 0.85rem 1.2rem;
  text-align: left;
  border-bottom: 1px solid var(--border);
}
.comparison-table thead th {
  background: var(--bg-elevated);
  font-weight: 600;
  color: var(--text);
  position: sticky;
  top: 0;
  font-size: 0.95rem;
}
.comparison-table tbody tr:last-child td { border-bottom: none; }
.comparison-table tbody tr:hover { background: var(--bg-card-hover); }
.comparison-table .row-label {
  color: var(--text-secondary);
  font-weight: 500;
  white-space: nowrap;
}
.comparison-table .total-row td {
  font-weight: 700;
  color: var(--accent);
  border-top: 2px solid var(--accent);
  font-size: 1rem;
}
.comparison-table .lowest-cost { color: var(--green); }
.comparison-table .highest-cost { color: var(--red); opacity: 0.8; }
.btn-close-compare {
  display: block;
  margin: 1.5rem auto 0;
  padding: 0.6rem 1.5rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  font-family: var(--font-body);
  font-size: 0.85rem;
  cursor: pointer;
  transition: var(--transition);
}
.btn-close-compare:hover { border-color: var(--accent); color: var(--accent); }

/* ── What-if slider ── */
.whatif-section {
  max-width: 640px;
  margin: 2rem auto 0;
  padding: 1.5rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}
.whatif-section h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.whatif-slider-row {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.whatif-slider-row input[type="range"] {
  flex: 1;
  accent-color: var(--accent);
  cursor: pointer;
}
.whatif-value {
  font-weight: 600;
  font-size: 1.1rem;
  min-width: 90px;
  text-align: right;
  color: var(--accent);
}

/* ── Ineligible brokers section ── */
.ineligible-section {
  margin-top: 1.5rem;
}

.ineligible-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
  max-width: 640px;
  margin: 0 auto;
  padding: 0.7rem 1rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-muted);
  font-family: var(--font-body);
  font-size: 0.85rem;
  cursor: pointer;
  transition: var(--transition);
}

.ineligible-toggle:hover {
  border-color: var(--text-muted);
  color: var(--text-secondary);
}

.ineligible-chevron {
  transition: transform 0.3s ease;
}

.ineligible-list {
  margin-top: 0.75rem;
}

.broker-card.ineligible {
  opacity: 0.5;
  border-style: dashed;
}

.broker-card.ineligible:hover {
  opacity: 0.7;
}

/* ── Footer ── */
.site-footer {
  padding: 2rem 1.5rem;
  border-top: 1px solid var(--border);
  text-align: center;
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.8;
}
.site-footer a { color: var(--text-secondary); }

/* ── Site Navigation ── */
.site-nav {
  display: flex;
  gap: 0.25rem;
  align-items: center;
}
.site-nav a {
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 0.85rem;
  padding: 0.35rem 0.7rem;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  font-weight: 500;
}
.site-nav a:hover {
  color: var(--text);
  background: var(--bg-card);
}
.site-nav a.active {
  color: var(--accent);
  background: var(--accent-dim);
}

/* ── Hamburger toggle — hidden on desktop ── */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  flex-direction: column;
  gap: 4px;
}

.hamburger-line {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--text-secondary);
  border-radius: 1px;
  transition: var(--transition);
}

/* Hamburger animation when open */
.nav-toggle.open .hamburger-line:nth-child(1) {
  transform: rotate(45deg) translate(4px, 4px);
}
.nav-toggle.open .hamburger-line:nth-child(2) {
  opacity: 0;
}
.nav-toggle.open .hamburger-line:nth-child(3) {
  transform: rotate(-45deg) translate(4px, -4px);
}

/* ── Responsive ── */
@media (max-width: 768px) {
  /* Mobile hamburger nav */
  .nav-toggle {
    display: flex;
    order: 2;
  }

  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    flex-direction: column;
    padding: 0.75rem 1.5rem;
    gap: 0.25rem;
    box-shadow: var(--shadow);
  }

  .site-nav.open {
    display: flex;
  }

  .site-nav a {
    padding: 0.6rem 0.5rem;
    font-size: 0.95rem;
  }

  .btn-theme-toggle {
    order: 1;
    margin-left: auto;
    margin-right: 0.5rem;
  }

  .site-header { padding: 1rem; flex-wrap: wrap; position: relative; }
  .site-header .logo { font-size: 1.05rem; }
}

@media (max-width: 640px) {
  .step-card { padding: 1.5rem 1.25rem; }
  .card-header { padding: 1rem 1.1rem; gap: 0.75rem; flex-wrap: wrap; }
  .card-cost { text-align: left; width: 100%; margin-top: 0.5rem; display: flex; align-items: baseline; gap: 0.5rem; }
  .card-cost .cost-amount { font-size: 1.1rem; }
  .card-info h3 { font-size: 1rem; }
  .card-tags { padding: 0.5rem 1rem 0; }
  .card-compare-toggle { padding: 0.5rem 1rem 0.75rem; }
  .details-grid { grid-template-columns: 1fr; }
  .card-details { padding: 1rem; }
  .cost-bar-container { padding: 0 1rem; }
  .hero { padding: 3rem 1rem 2rem; }
  .hero h1 { font-size: 1.75rem; }
  .hero p { font-size: 0.95rem; }
  .results-actions { gap: 0.5rem; flex-direction: column; align-items: stretch; }
  .results-actions .btn-action { text-align: center; }
  .btn-action { padding: 0.4rem 0.8rem; font-size: 0.8rem; }
  .whatif-slider-row { flex-direction: column; gap: 0.5rem; }
  .comparison-table { font-size: 0.78rem; }
  .tools-grid { grid-template-columns: 1fr; }
}

/* ── Tax Year Banner ── */
.tax-year-banner {
  background: var(--accent-dim);
  border-bottom: 1px solid var(--accent);
  padding: 0.6rem 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
}
.tax-year-banner a { color: var(--accent); font-weight: 600; text-decoration: none; }
.tax-year-banner a:hover { text-decoration: underline; }
.banner-dismiss {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1.1rem;
  cursor: pointer;
  padding: 0.2rem 0.5rem;
}
.banner-dismiss:hover { color: var(--text); }

/* ── Last Verified ── */
.detail-verified {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ── Floating Comparison Bar ── */
.compare-float-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--bg-card);
  border-top: 1px solid var(--border);
  padding: 0.75rem 1.5rem;
  z-index: 99;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.1);
  animation: slideUp 0.3s ease;
}
.compare-float-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
@keyframes slideUp {
  from { transform: translateY(100%); }
  to { transform: translateY(0); }
}

/* Select pulse animation */
.option-btn.just-selected {
  animation: selectPulse 0.35s ease;
}
@keyframes selectPulse {
  0% { transform: scale(1); }
  50% { transform: scale(1.015); box-shadow: 0 0 0 3px var(--accent-dim); }
  100% { transform: scale(1); }
}

/* Multi-select counter */
.selection-counter {
  display: inline-block;
  font-size: 0.78rem;
  color: var(--accent);
  margin-bottom: 0.75rem;
  font-weight: 500;
}

/* Focus styles */
.option-btn:focus-visible,
.btn-wizard:focus-visible,
.btn-start:focus-visible,
.btn-action:focus-visible,
.card-header:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* ── Page Hero (reusable across pages) ── */
.page-hero {
  text-align: center;
  padding: 3.5rem 1.5rem 2.5rem;
}
.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
  line-height: 1.15;
}
.page-hero h1 em { font-style: normal; color: var(--accent); }
.page-hero p {
  color: var(--text-secondary);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
}

/* ── Content sections (for FAQ, text pages) ── */
.content-section {
  max-width: 720px;
  margin: 0 auto;
  padding: 2rem 1.5rem 4rem;
}
.content-section h2 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  margin: 2rem 0 0.75rem;
  color: var(--text);
}
.content-section p {
  color: var(--text-secondary);
  margin-bottom: 1rem;
  font-size: 0.95rem;
}

/* ── Homepage tool cards ── */
.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
  max-width: 900px;
  margin: 2.5rem auto 4rem;
  padding: 0 1.5rem;
}
.tool-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  transition: var(--transition);
  text-decoration: none;
  color: inherit;
  display: block;
}
.tool-card:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.tool-card:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}
.tool-card h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  margin-bottom: 0.5rem;
}
.tool-card p {
  color: var(--text-secondary);
  font-size: 0.88rem;
  line-height: 1.5;
  margin-bottom: 1rem;
}
.tool-card .card-link {
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}
.tool-card .card-link svg { width: 14px; height: 14px; }
.tool-card .tool-badge {
  display: inline-block;
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.15rem 0.5rem;
  border-radius: 100px;
  margin-bottom: 0.75rem;
  font-weight: 600;
}
.tool-badge.live { background: var(--green-dim); color: var(--green); }
.tool-badge.new { background: var(--accent-dim); color: var(--accent); }
.tool-badge.soon { background: var(--amber-dim); color: var(--amber); }

/* ── Screen Reader Only ── */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ── Toast Notification ── */
.toast {
  position: fixed;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%) translateY(1rem);
  background: var(--bg-card);
  color: var(--text);
  border: 1px solid var(--border);
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  box-shadow: var(--shadow);
  opacity: 0;
  transition: opacity 0.3s, transform 0.3s;
  z-index: 1000;
  pointer-events: none;
}
.toast.visible {
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

/* ── Loading Indicator ── */
.loading-indicator {
  text-align: center;
  padding: 3rem 1rem;
  color: var(--text-muted);
}
.spinner {
  width: 32px;
  height: 32px;
  border: 3px solid var(--border);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin: 0 auto 1rem;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ── No Results State ── */
.no-results {
  text-align: center;
  padding: 3rem 1.5rem;
  color: var(--text-secondary);
}
.no-results h3 {
  font-family: var(--font-heading);
  margin-bottom: 0.5rem;
}