/* RupayaTools — shared stylesheet. Mobile-first, no frameworks, no webfonts. */
*,*::before,*::after{box-sizing:border-box}
:root{
  --ink:#1a202c;
  --muted:#4a5568;
  --accent:#15803d;
  --accent-dark:#166534;
  --accent-soft:#f0fdf4;
  --border:#e2e8f0;
  --card:#ffffff;
  --bg:#ffffff;
  --radius:10px;
}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  font-size:16px;
}
.container{max-width:1024px;margin:0 auto;padding:0 16px}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
h1{font-size:1.75rem;line-height:1.3;margin:1.25rem 0 .75rem}
h2{font-size:1.4rem;margin:2rem 0 .6rem}
h3{font-size:1.1rem;margin:1.5rem 0 .5rem}

/* ---------- header / nav ---------- */
.site-header{border-bottom:1px solid var(--border);background:#fff;position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:58px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.logo{font-weight:800;font-size:1.35rem;color:var(--ink);letter-spacing:-.5px}
.logo:hover{text-decoration:none}
.logo span{color:var(--accent)}
/* ---------- header nav with dropdowns ---------- */
.main-nav .nav-list{display:flex;gap:4px;flex-wrap:wrap;list-style:none;margin:0;padding:0}
.nav-item{position:relative}
.nav-link{display:inline-flex;align-items:center;gap:5px;color:var(--ink);font-weight:600;padding:8px 10px;border-radius:6px;font-size:.95rem}
.nav-link:hover,.nav-link.active{background:var(--accent-soft);color:var(--accent);text-decoration:none}
.nav-link .caret{font-size:.65em;color:var(--muted);line-height:1}
.nav-link:hover .caret,.nav-link.active .caret{color:var(--accent)}
.dropdown{position:absolute;top:calc(100% + 6px);left:0;min-width:240px;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 10px 28px rgba(26,32,44,.13);padding:6px;margin:0;list-style:none;display:none;z-index:60}
.nav-item:last-child .dropdown{left:auto;right:0}
.dropdown a{display:block;padding:9px 12px;border-radius:6px;color:var(--ink);font-size:.92rem;font-weight:500;white-space:nowrap}
.dropdown a:hover,.dropdown a.active{background:var(--accent-soft);color:var(--accent);text-decoration:none}
.dropdown a.active{font-weight:700}
.nav-item:hover>.dropdown,.nav-item:focus-within>.dropdown,.nav-item.open>.dropdown{display:block}

/* ---------- footer ---------- */
.site-footer{border-top:1px solid var(--border);margin-top:3rem;background:#f8fafc}
.footer-grid{display:grid;grid-template-columns:1fr;gap:1.5rem;padding:2rem 16px 1rem}
.site-footer h3{font-size:1rem;margin:0 0 .6rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:.35rem 0}
.site-footer li a{color:var(--muted)}
.footer-bottom{border-top:1px solid var(--border);padding:1rem 16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;color:var(--muted);font-size:.9rem}
.footer-bottom p{margin:0}

/* ---------- hero ---------- */
.hero{text-align:center;padding:2.5rem 16px 2rem}
.hero h1{font-size:2.1rem;margin-bottom:.5rem}
.hero p.lead{color:var(--muted);font-size:1.1rem;max-width:640px;margin:0 auto 1.5rem}

/* ---------- tool grids & cards ---------- */
.tool-grid{display:grid;grid-template-columns:1fr;gap:12px;margin:1.25rem 0 2rem}
.tool-card{display:block;border:1px solid var(--border);border-radius:var(--radius);padding:1rem 1.1rem;background:var(--card);color:var(--ink)}
.tool-card:hover{border-color:var(--accent);text-decoration:none;box-shadow:0 2px 10px rgba(21,128,61,.08)}
.tool-card h3{margin:0 0 .25rem;font-size:1.05rem;color:var(--accent-dark)}
.tool-card p{margin:0;color:var(--muted);font-size:.93rem}
.hub-section{margin:2.5rem 0}
.hub-section>h2{border-bottom:2px solid var(--accent);padding-bottom:.4rem;display:inline-block}

/* ---------- calculator ---------- */
.calc{border:1px solid var(--border);border-radius:var(--radius);padding:1.25rem;background:var(--card);margin:1.25rem 0}
.calc-row{display:grid;grid-template-columns:1fr;gap:12px;margin-bottom:12px}
.calc-field label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem}
.calc-field input[type=number],.calc-field input[type=text],.calc-field input[type=date],.calc-field select{
  width:100%;padding:12px;font-size:1.05rem;border:1px solid #cbd5e0;border-radius:8px;background:#fff;color:var(--ink);min-height:48px}
.calc-field input:focus,.calc-field select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.calc-field .hint{font-size:.85rem;color:var(--muted);margin-top:4px}
.calc-toggle{display:flex;gap:8px;flex-wrap:wrap}
.calc-toggle button{flex:1 1 auto;padding:12px;border:1px solid #cbd5e0;border-radius:8px;background:#fff;font-size:1rem;font-weight:600;color:var(--ink);cursor:pointer;min-height:48px}
.calc-toggle button.on{background:var(--accent);border-color:var(--accent);color:#fff}
.btn{display:inline-block;background:var(--accent);color:#fff;border:none;border-radius:8px;padding:13px 26px;font-size:1.05rem;font-weight:700;cursor:pointer;min-height:48px}
.btn:hover{background:var(--accent-dark)}
.btn-row{margin-top:4px}

/* ---------- results ---------- */
.results{display:grid;grid-template-columns:1fr;gap:10px;margin-top:1.25rem}
.result-card{border:1px solid var(--border);border-radius:var(--radius);padding:1rem 1.1rem;background:var(--accent-soft)}
.result-card.primary{background:var(--accent);color:#fff;border-color:var(--accent)}
.result-card .label{font-size:.88rem;color:var(--muted);margin:0 0 .2rem}
.result-card.primary .label{color:#dcfce7}
.result-card .value{font-size:1.5rem;font-weight:800;margin:0}
.result-card .sub{font-size:.85rem;color:var(--muted);margin:.25rem 0 0}
.result-card.primary .sub{color:#dcfce7}

/* ---------- content ---------- */
.prose{max-width:760px}
.prose ul{padding-left:1.2rem}
table.data{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem}
table.data th,table.data td{border:1px solid var(--border);padding:.6rem .75rem;text-align:left}
table.data th{background:#f8fafc}
table.data td.num{text-align:right;font-variant-numeric:tabular-nums}

/* ---------- faq ---------- */
.faq{margin:2rem 0}
.faq details{border:1px solid var(--border);border-radius:8px;margin-bottom:8px;background:#fff}
.faq summary{padding:.9rem 1rem;font-weight:600;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--accent);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq .answer{padding:0 1rem 1rem;color:var(--muted)}

/* ---------- misc ---------- */
.breadcrumb{font-size:.88rem;color:var(--muted);margin:1rem 0 0}
.breadcrumb a{color:var(--accent)}
.note{background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:.9rem 1rem;margin:1.25rem 0;font-size:.95rem}
.related{border-top:1px solid var(--border);margin-top:2.5rem;padding-top:1.5rem}

/* ---------- charts ---------- */
.chart-wrap{margin-top:1.25rem;border:1px solid var(--border);border-radius:var(--radius);padding:1rem 1rem .8rem;background:#fff;box-shadow:0 1px 8px rgba(26,32,44,.06)}
.chart-title{font-size:1.02rem;margin:0 0 .15rem;color:var(--ink)}
.chart-sub{font-size:.85rem;color:var(--muted);margin:0 0 .5rem}
.chart-svg{display:block;width:100%;height:auto}
.donut-wrap .chart-svg{max-width:240px;margin:0 auto}
.chart-legend{display:flex;gap:.4rem 1.1rem;flex-wrap:wrap;justify-content:center;margin-top:.6rem;font-size:.88rem;color:var(--muted)}
.chart-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:baseline}
.chart-empty{color:var(--muted);font-size:.92rem;text-align:center;padding:1.5rem 0;margin:0}
.hbar{margin-bottom:.75rem}
.hbar:last-child{margin-bottom:.25rem}
.hbar-head{display:flex;justify-content:space-between;gap:10px;font-size:.83rem;color:var(--muted);margin-bottom:4px}
.hbar-val{font-weight:700;color:var(--ink);white-space:nowrap}
.hbar-track{height:14px;background:#eef2f7;border-radius:7px;overflow:hidden}
.hbar-fill{height:100%;border-radius:7px}

/* ---------- larger screens ---------- */
@media(min-width:640px){
  .tool-grid{grid-template-columns:repeat(2,1fr)}
  .calc-row{grid-template-columns:1fr 1fr}
  .results{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:repeat(3,1fr)}
  h1{font-size:2.1rem}
  .hero h1{font-size:2.6rem}
}
@media(min-width:960px){
  .tool-grid{grid-template-columns:repeat(3,1fr)}
}

/* ================= v5 visual refresh: bolder fintech look ================= */
html{scroll-behavior:smooth}
body{overflow-x:clip}
::selection{background:#bbf7d0;color:#14532d}

/* header: green top strip + soft shadow */
.site-header{border-top:3px solid var(--accent);box-shadow:0 2px 16px rgba(26,32,44,.08)}

/* full-bleed bands inside .container */
.hero,.page-hero{margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);padding-left:calc(50vw - 50%);padding-right:calc(50vw - 50%)}

/* ---------- homepage hero ---------- */
.hero{background-color:#166534;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='84' height='84'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.09' stroke-width='1.5'%3E%3Ccircle cx='12' cy='12' r='2.5'/%3E%3Ccircle cx='54' cy='34' r='2.5'/%3E%3Ccircle cx='26' cy='62' r='2.5'/%3E%3Ccircle cx='72' cy='70' r='2.5'/%3E%3C/g%3E%3C/svg%3E");color:#fff;text-align:center;padding-top:3.2rem;padding-bottom:3.2rem;margin-bottom:2.5rem}
.hero h1{color:#fff;font-size:2.35rem;letter-spacing:-.5px;margin:0 0 .7rem}
.hero .lead{color:#dcfce7;font-size:1.12rem;max-width:640px;margin:0 auto 1.6rem}
.hero-eyebrow{display:inline-block;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.35);color:#fff;font-size:.78rem;font-weight:800;letter-spacing:2px;text-transform:uppercase;padding:.45rem 1.1rem;border-radius:999px;margin-bottom:1.2rem}
.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:2.1rem}
.btn-light{display:inline-block;background:#fff;color:var(--accent-dark);font-weight:800;padding:13px 30px;border-radius:10px;min-height:48px;font-size:1.05rem;box-shadow:0 8px 22px rgba(0,0,0,.22);transition:transform .15s ease}
.btn-light:hover{text-decoration:none;transform:translateY(-2px);color:var(--accent-dark)}
.btn-ghost{display:inline-block;border:2px solid rgba(255,255,255,.55);color:#fff;font-weight:700;padding:11px 28px;border-radius:10px;min-height:48px;font-size:1.05rem;transition:background .15s ease,transform .15s ease}
.btn-ghost:hover{text-decoration:none;border-color:#fff;background:rgba(255,255,255,.12);color:#fff;transform:translateY(-2px)}
.hero-stats{display:flex;gap:2.2rem;justify-content:center;flex-wrap:wrap}
.hero-stats b{display:block;font-size:1.7rem;color:#fff;letter-spacing:-.5px}
.hero-stats span{font-size:.88rem;color:#bbf7d0}
.hero>*{animation:heroIn .55s ease-out both}
.hero>*:nth-child(2){animation-delay:.07s}
.hero>*:nth-child(3){animation-delay:.14s}
.hero>*:nth-child(4){animation-delay:.21s}
.hero>*:nth-child(5){animation-delay:.28s}
@keyframes heroIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

/* ---------- inner page hero band ---------- */
.page-hero{background-color:#166534;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='84' height='84'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.09' stroke-width='1.5'%3E%3Ccircle cx='12' cy='12' r='2.5'/%3E%3Ccircle cx='54' cy='34' r='2.5'/%3E%3Ccircle cx='26' cy='62' r='2.5'/%3E%3Ccircle cx='72' cy='70' r='2.5'/%3E%3C/g%3E%3C/svg%3E");color:#fff;padding-top:2.3rem;padding-bottom:2.3rem;margin-bottom:1.75rem}
.page-hero .breadcrumb{margin:0 0 .7rem;color:#bbf7d0;background:none;padding:0;font-size:.85rem;display:block}
.page-hero .breadcrumb a{color:#fff}
.page-hero h1{color:#fff;margin:0 0 .5rem;font-size:1.85rem;letter-spacing:-.3px}
.page-hero .lead{color:#dcfce7;margin:0;max-width:740px;font-size:1.04rem}
.page-hero>p{color:#dcfce7;margin:.5rem 0 0;max-width:740px}

/* ---------- breadcrumb pill (plain pages) ---------- */
.breadcrumb{display:inline-block;background:#f1f5f9;border-radius:999px;padding:.35rem 1rem}

/* ---------- tool cards with icons ---------- */
.tool-grid{gap:16px}
.tool-card{position:relative;overflow:hidden;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.tool-card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent);opacity:0;transition:opacity .18s ease}
.tool-card:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(21,128,61,.15);border-color:var(--accent);text-decoration:none}
.tool-card:hover::before{opacity:1}
.tool-icon{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:13px;background:var(--accent-soft);color:var(--accent);margin-bottom:.7rem;transition:background .18s ease,color .18s ease}
.tool-card:hover .tool-icon{background:var(--accent);color:#fff}
.tool-icon svg{width:25px;height:25px}
.tool-card h3::after{content:"\2192";margin-left:6px;opacity:0;transition:opacity .18s ease}
.tool-card:hover h3::after{opacity:1}

/* ---------- section headings ---------- */
.hub-section{margin:3rem 0}
.hub-section>h2{font-size:1.55rem;letter-spacing:-.3px}

/* ---------- calculator + results ---------- */
.calc{box-shadow:0 6px 24px rgba(26,32,44,.07);padding:1.5rem}
.btn{box-shadow:0 4px 14px rgba(21,128,61,.35);transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:none;box-shadow:0 2px 8px rgba(21,128,61,.3)}
.result-card{box-shadow:0 2px 10px rgba(26,32,44,.05)}
.result-card .value{font-size:1.7rem;letter-spacing:-.5px}
.result-card.primary{box-shadow:0 8px 20px rgba(21,128,61,.35)}

/* ---------- charts: bigger, bolder ---------- */
.chart-wrap{border-top:4px solid var(--accent);padding:1.25rem 1.25rem 1rem;box-shadow:0 4px 18px rgba(26,32,44,.07)}
.chart-title{font-size:1.12rem;display:flex;align-items:center;gap:.55rem}
.chart-title::before{content:"";width:11px;height:11px;border-radius:3px;background:var(--accent);flex:none}
.donut-wrap .chart-svg{max-width:300px}

/* ---------- faq polish ---------- */
.faq details{transition:border-color .15s ease}
.faq details:hover{border-color:var(--accent)}

/* ---------- dark footer ---------- */
.site-footer{background:#1a202c;border-top:4px solid var(--accent);margin-top:4rem}
.site-footer h3{color:#fff}
.site-footer li{margin:.45rem 0}
.site-footer li a{color:#a0aec0}
.site-footer li a:hover{color:#fff}
.footer-bottom{border-top-color:#2d3748;color:#8a94a6}

/* ---------- larger screens ---------- */
@media(min-width:640px){
  .hero{padding-top:4.2rem;padding-bottom:4.2rem}
  .hero h1{font-size:3rem}
  .page-hero{padding-top:2.8rem;padding-bottom:2.8rem}
  .page-hero h1{font-size:2.2rem}
  .tool-grid{gap:18px}
}