/* ── Homepage-specific styles ── */
/* Header login button style (over dark header) */
.header-login-btn{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.3)}
.header-login-btn:hover{background:rgba(255,255,255,.25)}

/* ── Hero ── */
.hero{
  background:linear-gradient(135deg,#1F4E79 0%,#2E86C1 60%,#1F4E79 100%);
  color:#fff;padding:52px 24px 44px;text-align:center;position:relative;overflow:hidden;
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);
  border-radius:20px;padding:6px 16px;font-size:12px;font-weight:700;
  letter-spacing:.5px;margin-bottom:20px;position:relative;
}
.badge-dot{width:8px;height:8px;background:#4ADE80;border-radius:50%;animation:pd 2s infinite;flex-shrink:0}
@keyframes pd{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(1.3)}}
.hero h1{font-size:clamp(28px,5vw,40px);font-weight:800;margin-bottom:12px;position:relative;line-height:1.2}
.hero h1 span{color:#93C5FD}
.hero p{font-size:15px;opacity:.85;max-width:520px;margin:0 auto 28px;position:relative;line-height:1.6}
.hero-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;position:relative}
.btn-hero-primary{
  background:#fff;color:#1F4E79;padding:14px 26px;border-radius:10px;
  font-size:15px;font-weight:700;text-decoration:none;
  box-shadow:0 4px 20px rgba(0,0,0,.2);transition:transform .2s,box-shadow .2s;
  display:inline-flex;align-items:center;gap:7px;
}
.btn-hero-primary:hover{transform:translateY(-2px);box-shadow:0 8px 30px rgba(0,0,0,.25)}
.btn-hero-secondary{
  background:rgba(255,255,255,.15);color:#fff;padding:14px 26px;border-radius:10px;
  font-size:15px;font-weight:700;text-decoration:none;
  border:2px solid rgba(255,255,255,.35);transition:background .2s;
  display:inline-flex;align-items:center;gap:7px;
}
.btn-hero-secondary:hover{background:rgba(255,255,255,.25)}

/* ── Layout ── */
.wrap{max-width:880px;margin:0 auto;padding:0 16px 60px}

.sec-title{
  font-size:11px;font-weight:700;color:#334155;
  text-transform:uppercase;letter-spacing:.9px;
  margin:36px 0 14px;display:flex;align-items:center;gap:10px;
}
.sec-title::after{content:'';flex:1;height:1px;background:#e2e8f0}

/* ── Main tool cards ── */
.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.tools-grid{grid-template-columns:1fr}}

.tool-card{
  background:#fff;border-radius:16px;border:1px solid #e2e8f0;
  padding:24px;text-decoration:none;color:#1e293b;
  transition:box-shadow .2s,transform .2s;display:block;
  position:relative;overflow:hidden;
}
.tool-card:hover{box-shadow:0 8px 32px rgba(30,90,140,.12);transform:translateY(-2px)}
.tool-card.costed::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,#1F4E79,#2E86C1);
}
.tc-icon{font-size:38px;margin-bottom:14px;display:block;line-height:1}
.tc-badge{
  display:inline-block;padding:3px 10px;border-radius:8px;
  font-size:10px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;
  margin-bottom:10px;
}
.badge-credit{background:#EFF6FF;color:#1D4ED8}
.tc-title{font-size:20px;font-weight:800;margin-bottom:6px;line-height:1.2}
.tc-desc{font-size:13px;color:#475569;line-height:1.6;margin-bottom:16px}
.tc-cta{
  display:inline-flex;align-items:center;gap:4px;
  font-size:13px;font-weight:700;color:#1F4E79;
}
.tc-arr{display:inline-block;transition:transform .2s}
.tool-card:hover .tc-arr{transform:translateX(4px)}

/* ── How-to steps ── */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media(max-width:600px){.steps-grid{grid-template-columns:1fr}}
.how-item{background:#fff;border-radius:12px;border:1px solid #e2e8f0;padding:20px;text-align:center}
.how-num{width:36px;height:36px;background:linear-gradient(135deg,#1F4E79,#2E86C1);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:14px;margin:0 auto 12px}
.how-title{font-size:14px;font-weight:700;margin-bottom:6px}
.how-desc{font-size:12px;color:#475569;line-height:1.5}

/* ── Free calculators ── */
.free-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media(max-width:640px){.free-grid{grid-template-columns:1fr 1fr}}
@media(max-width:380px){.free-grid{grid-template-columns:1fr}}

.free-card{
  background:#fff;border-radius:12px;border:1px solid #e2e8f0;
  padding:18px 16px;text-decoration:none;color:#1e293b;
  transition:box-shadow .2s,border-color .2s,transform .2s;display:block;
}
.free-card:hover{border-color:#93C5FD;box-shadow:0 4px 16px rgba(30,90,140,.1);transform:translateY(-1px)}
.fc-icon{font-size:30px;margin-bottom:10px;display:block;line-height:1}
.fc-title{font-size:14px;font-weight:700;margin-bottom:4px}
.fc-desc{font-size:11px;color:#475569;line-height:1.4;margin-bottom:10px}
.fc-link{font-size:12px;font-weight:700;color:#1F4E79}

/* ── Info box ── */
.info-box{
  background:#EFF6FF;border:1px solid #BFDBFE;border-radius:12px;
  padding:14px 18px;display:flex;align-items:flex-start;gap:12px;margin-bottom:14px;
}
.info-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.info-text{font-size:13px;color:#1e40af;line-height:1.5}
.info-text strong{display:block;margin-bottom:2px;font-size:13px}

/* footer-links layout helper */
.footer-links{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:6px}