/* InsureCalc Tools — Global Stylesheet */
:root {
  --primary: #1a3c5e;
  --primary-light: #2563a0;
  --primary-dark: #122b44;
  --accent: #27ae60;
  --accent-hover: #219a52;
  --bg: #f8f9fa; --card-bg: #ffffff; --text: #2d3436;
  --text-muted: #636e72; --border: #dfe6e9; --success: #00b894;
  --shadow: 0 2px 12px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --radius: 12px; --max-width: 1100px;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; background: var(--bg); color: var(--text); line-height: 1.6; -webkit-font-smoothing: antialiased; }
.site-header { background: var(--primary); padding: 0; position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 8px rgba(0,0,0,0.15); }
.header-inner { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { color: #fff; font-size: 1.4rem; font-weight: 800; text-decoration: none; display: flex; align-items: center; gap: 8px; }
.logo-icon { font-size: 1.6rem; }
nav a { color: rgba(255,255,255,0.85); text-decoration: none; font-size: 0.95rem; font-weight: 500; padding: 8px 16px; border-radius: 8px; transition: all 0.2s; }
nav a:hover { color: #fff; background: rgba(255,255,255,0.12); }
.hero { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); padding: 60px 24px; text-align: center; color: #fff; }
.hero h1 { font-size: 2.4rem; font-weight: 800; margin-bottom: 16px; line-height: 1.2; }
.hero p { font-size: 1.15rem; opacity: 0.9; max-width: 600px; margin: 0 auto; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 40px 24px; }
.tools-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 24px; margin-top: 32px; }
.tool-card { background: var(--card-bg); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); transition: transform 0.2s, box-shadow 0.2s; text-decoration: none; color: var(--text); display: flex; flex-direction: column; border: 1px solid var(--border); }
.tool-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.tool-card-icon { font-size: 2.5rem; margin-bottom: 16px; }
.tool-card h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 8px; color: var(--primary); }
.tool-card p { color: var(--text-muted); font-size: 0.95rem; flex: 1; }
.tool-card .card-cta { margin-top: 20px; color: var(--accent); font-weight: 600; font-size: 0.95rem; }
.calc-page { max-width: 800px; margin: 0 auto; padding: 40px 24px; }
.calc-page h1 { font-size: 2rem; font-weight: 800; margin-bottom: 8px; color: var(--primary-dark); }
.calc-page .subtitle { color: var(--text-muted); font-size: 1.05rem; margin-bottom: 32px; }
.calc-form { background: var(--card-bg); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); border: 1px solid var(--border); }
.form-group { margin-bottom: 24px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 8px; font-size: 0.95rem; }
.form-group .help-text { font-size: 0.82rem; color: var(--text-muted); margin-top: 4px; }
.form-group input, .form-group select { width: 100%; padding: 12px 16px; border: 2px solid var(--border); border-radius: 8px; font-size: 1rem; transition: border-color 0.2s; background: #fff; }
.form-group input:focus, .form-group select:focus { outline: none; border-color: var(--primary-light); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.btn-calculate { width: 100%; padding: 16px; background: var(--accent); color: #fff; border: none; border-radius: 8px; font-size: 1.1rem; font-weight: 700; cursor: pointer; transition: background 0.2s, transform 0.1s; }
.btn-calculate:hover { background: var(--accent-hover); }
.btn-calculate:active { transform: scale(0.98); }
.results { margin-top: 32px; display: none; }
.results.visible { display: block; }
.results-header { font-size: 1.3rem; font-weight: 700; margin-bottom: 20px; color: var(--primary-dark); }
.result-card { background: var(--card-bg); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); border: 1px solid var(--border); margin-bottom: 16px; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--border); }
.result-row:last-child { border-bottom: none; }
.result-label { font-weight: 500; color: var(--text-muted); }
.result-value { font-weight: 700; font-size: 1.1rem; }
.result-total { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); color: #fff; border-radius: var(--radius); padding: 24px; text-align: center; margin-top: 16px; }
.result-total .total-label { font-size: 0.9rem; opacity: 0.9; text-transform: uppercase; letter-spacing: 1px; }
.result-total .total-value { font-size: 2.2rem; font-weight: 800; margin-top: 4px; }
.result-total .total-range { font-size: 0.95rem; opacity: 0.8; margin-top: 4px; }
.ad-zone { background: #f0f0f0; border: 2px dashed #ccc; border-radius: 8px; padding: 20px; text-align: center; color: #999; font-size: 0.85rem; margin: 24px 0; min-height: 90px; display: flex; align-items: center; justify-content: center; }
.affiliate-box { background: linear-gradient(135deg, #fff9f0, #fff3e0); border: 1px solid #ffe0b2; border-radius: var(--radius); padding: 24px; margin-top: 24px; }
.affiliate-box h4 { font-size: 1rem; font-weight: 700; margin-bottom: 12px; }
.affiliate-link { display: inline-flex; align-items: center; gap: 8px; padding: 10px 20px; background: var(--accent); color: #fff; text-decoration: none; border-radius: 8px; font-weight: 600; font-size: 0.95rem; transition: background 0.2s; margin: 4px 8px 4px 0; }
.affiliate-link:hover { background: var(--accent-hover); }
.seo-content { margin-top: 48px; padding-top: 32px; border-top: 1px solid var(--border); }
.seo-content h2 { font-size: 1.4rem; font-weight: 700; margin-bottom: 16px; color: var(--primary-dark); }
.seo-content p { color: var(--text-muted); margin-bottom: 16px; line-height: 1.7; }
.site-footer { background: var(--primary-dark); color: rgba(255,255,255,0.7); text-align: center; padding: 32px 24px; margin-top: 60px; font-size: 0.9rem; }
.site-footer a { color: rgba(255,255,255,0.9); text-decoration: none; }
@media (max-width: 768px) { .hero h1 { font-size: 1.8rem; } .tools-grid { grid-template-columns: 1fr; } .form-row { grid-template-columns: 1fr; } .header-inner { padding: 0 16px; } nav { display: none; } .calc-page { padding: 24px 16px; } .result-total .total-value { font-size: 1.8rem; } }