/* ============================================================
   LIC Calculator .app — Global Stylesheet
   Brand: Blue #1550a0 | Yellow #f9b917 | Dark #22262e
   ============================================================ */
:root{
  --blue:#1550a0;
  --blue-dark:#0e3a77;
  --blue-light:#eaf1fb;
  --yellow:#f9b917;
  --yellow-dark:#d99a00;
  --dark:#22262e;
  --gray:#5b6472;
  --gray-light:#f4f6fa;
  --border:#dfe6f0;
  --green:#0c9d58;
  --whatsapp:#25d366;
  --red:#d93025;
  --radius:14px;
  --shadow:0 6px 24px rgba(16,50,100,.10);
  --shadow-lg:0 14px 44px rgba(16,50,100,.16);
  --font:'Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);color:var(--dark);background:#fff;line-height:1.65;font-size:16px;overflow-x:hidden}
img{max-width:100%;height:auto}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1180px;margin:0 auto;padding:0 18px}
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:1fr 1fr}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* ---------- Header ---------- */
.topbar{background:var(--blue-dark);color:#fff;font-size:13px;padding:6px 0}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.topbar span{min-width:0;overflow-wrap:break-word}
.topbar a{color:var(--yellow);font-weight:600}
@media(max-width:600px){.topbar{font-size:11.5px}.topbar .container{justify-content:center;text-align:center}}
header.site-header{position:sticky;top:0;z-index:1000;background:#fff;box-shadow:0 2px 14px rgba(0,0,0,.08)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:10px 0;gap:14px}
.logo-link{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-link img{height:52px;width:auto}
nav.main-nav ul{display:flex;list-style:none;gap:6px;align-items:center;flex-wrap:wrap}
nav.main-nav a{display:block;padding:10px 14px;font-weight:600;color:var(--dark);border-radius:8px;font-size:15px}
nav.main-nav a:hover,nav.main-nav a.active{background:var(--blue-light);color:var(--blue);text-decoration:none}
.dropdown{position:relative}
.dropdown>a::after{content:" ▾";font-size:11px}
.dropdown-menu{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:290px;box-shadow:var(--shadow-lg);border-radius:12px;padding:8px;z-index:1200;border:1px solid var(--border)}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:block}
.dropdown-menu a{padding:9px 14px;font-weight:500;font-size:14px;border-radius:8px;white-space:nowrap}
.nav-cta{background:var(--yellow);color:var(--blue-dark)!important;font-weight:700!important;border-radius:999px!important;padding:10px 20px!important}
.nav-cta:hover{background:var(--yellow-dark)!important;color:#fff!important}
.hamburger{display:none;background:none;border:2px solid var(--blue);border-radius:8px;padding:7px 11px;font-size:20px;color:var(--blue);cursor:pointer;line-height:1}
@media(max-width:900px){
  .hamburger{display:block}
  nav.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;box-shadow:var(--shadow-lg);padding:12px;max-height:calc(100vh - 80px);overflow-y:auto}
  nav.main-nav.open{display:block}
  nav.main-nav ul{flex-direction:column;align-items:stretch;gap:2px}
  .dropdown-menu{display:block;position:static;box-shadow:none;border:none;padding-left:18px;min-width:0}
  .logo-link img{height:42px}
}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--blue-dark) 0%,var(--blue) 55%,#2a6fce 100%);color:#fff;padding:56px 0 70px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:rgba(249,185,23,.15)}
.hero::before{content:"";position:absolute;left:-120px;bottom:-160px;width:340px;height:340px;border-radius:50%;background:rgba(255,255,255,.06)}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(28px,4.2vw,46px);line-height:1.18;margin-bottom:16px;font-weight:800}
.hero h1 .hl{color:var(--yellow)}
.hero p.lead{font-size:clamp(15px,1.6vw,19px);opacity:.94;margin-bottom:26px;max-width:560px}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:26px}
.hero-badges span{background:rgba(255,255,255,.14);backdrop-filter:blur(4px);padding:7px 15px;border-radius:999px;font-size:13.5px;font-weight:600;border:1px solid rgba(255,255,255,.22)}
.btn{display:inline-block;padding:14px 30px;border-radius:999px;font-weight:700;font-size:16px;cursor:pointer;border:none;transition:.25s;text-align:center}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-yellow{background:var(--yellow);color:var(--blue-dark)}
.btn-yellow:hover{background:#ffca35;box-shadow:0 8px 22px rgba(249,185,23,.45)}
.btn-outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7);margin-left:10px}
.btn-outline:hover{background:#fff;color:var(--blue)}
.hero-anim{text-align:center}
.hero-anim lottie-player,.hero-anim dotlottie-player{margin:0 auto;filter:drop-shadow(0 18px 40px rgba(0,0,0,.25))}
@media(max-width:860px){
  .hero .container{grid-template-columns:1fr}
  .hero-anim{order:-1}
  .hero-anim lottie-player{max-width:270px!important;height:230px!important}
  .hero{padding:36px 0 48px}
  .btn-outline{margin-left:0;margin-top:10px}
}

/* ---------- Sections ---------- */
section{padding:56px 0}
section.alt{background:var(--gray-light)}
.sec-head{text-align:center;max-width:760px;margin:0 auto 40px}
.sec-head h2{font-size:clamp(24px,3vw,34px);color:var(--blue-dark);margin-bottom:12px;font-weight:800}
.sec-head p{color:var(--gray);font-size:16.5px}
.kicker{display:inline-block;background:var(--blue-light);color:var(--blue);padding:5px 16px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.6px;text-transform:uppercase;margin-bottom:14px}

/* ---------- Cards ---------- */
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;border:1px solid var(--border);transition:.25s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.tool-card{display:block;color:inherit;position:relative;overflow:hidden}
.tool-card:hover{text-decoration:none;border-color:var(--blue)}
.tool-card .t-icon{width:56px;height:56px;border-radius:14px;background:var(--blue-light);display:flex;align-items:center;justify-content:center;font-size:28px;margin-bottom:16px}
.tool-card h3{font-size:18.5px;color:var(--blue-dark);margin-bottom:8px}
.tool-card p{font-size:14.5px;color:var(--gray);margin-bottom:12px}
.tool-card .t-link{font-weight:700;color:var(--blue);font-size:14px}
.tool-card .t-link::after{content:" →"}

/* ---------- Calculator ---------- */
.calc-wrap{background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);overflow:hidden;border:1px solid var(--border);max-width:1080px;margin:0 auto}
.calc-head{background:linear-gradient(120deg,var(--blue-dark),var(--blue));color:#fff;padding:22px 28px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.calc-head .c-ico{font-size:34px}
.calc-head h2,.calc-head h1{font-size:clamp(18px,2.4vw,24px);font-weight:800;margin:0}
.calc-head p{font-size:13.5px;opacity:.85;margin:2px 0 0}
.calc-body{display:grid;grid-template-columns:1fr 1fr;gap:0}
@media(max-width:860px){.calc-body{grid-template-columns:1fr}}
.calc-form{padding:28px}
.calc-result{background:var(--gray-light);padding:28px;border-left:1px solid var(--border);display:flex;flex-direction:column}
@media(max-width:860px){.calc-result{border-left:none;border-top:1px solid var(--border)}}
.f-group{margin-bottom:18px}
.f-group label{display:block;font-weight:700;font-size:14px;margin-bottom:7px;color:var(--dark)}
.f-group label small{font-weight:500;color:var(--gray)}
.f-group input,.f-group select{width:100%;padding:13px 15px;border:2px solid var(--border);border-radius:10px;font-size:16px;font-family:var(--font);background:#fff;color:var(--dark);transition:.2s;-webkit-appearance:none;appearance:none}
.f-group 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='%231550a0' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;padding-right:38px}
.f-group input:focus,.f-group select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(21,80,160,.12)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:480px){.f-row{grid-template-columns:1fr}}
.range-val{float:right;font-weight:800;color:var(--blue)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(to right,var(--blue) 0%,var(--blue) var(--fill,50%),var(--border) var(--fill,50%));outline:none;padding:0;border:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:5px solid var(--blue);cursor:pointer;box-shadow:0 2px 8px rgba(0,0,0,.25)}
input[type=range]::-moz-range-thumb{width:15px;height:15px;border-radius:50%;background:#fff;border:5px solid var(--blue);cursor:pointer}
.btn-calc{width:100%;background:linear-gradient(120deg,var(--blue),var(--blue-dark));color:#fff;padding:15px;font-size:17px;border-radius:12px;margin-top:6px}
.btn-calc:hover{box-shadow:0 8px 24px rgba(21,80,160,.4)}

/* result panel */
.res-placeholder{text-align:center;margin:auto;color:var(--gray)}
.res-placeholder .rp-ico{font-size:52px;display:block;margin-bottom:10px}
.res-main{background:linear-gradient(120deg,var(--blue),var(--blue-dark));color:#fff;border-radius:14px;padding:20px;text-align:center;margin-bottom:16px}
.res-main .rm-label{font-size:13px;opacity:.85;text-transform:uppercase;letter-spacing:.8px}
.res-main .rm-value{font-size:clamp(28px,3.4vw,38px);font-weight:800;margin:4px 0}
.res-main .rm-sub{font-size:13px;opacity:.9}
.res-rows{background:#fff;border-radius:12px;border:1px solid var(--border);overflow:hidden;margin-bottom:16px}
.res-row{display:flex;justify-content:space-between;align-items:center;padding:11px 16px;border-bottom:1px solid var(--border);font-size:14.5px;gap:10px}
.res-row:last-child{border-bottom:none}
.res-row .rr-l{color:var(--gray);font-weight:600}
.res-row .rr-v{font-weight:800;color:var(--blue-dark);text-align:right}
.res-row.hl{background:#fff8e6}
.res-row.hl .rr-v{color:var(--yellow-dark)}
.res-note{font-size:12px;color:var(--gray);margin-bottom:14px;line-height:1.5}
.res-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:auto}
@media(max-width:480px){.res-actions{grid-template-columns:1fr}}
.btn-wa{background:var(--whatsapp);color:#fff;padding:13px;border-radius:11px;font-size:15px;display:flex;align-items:center;justify-content:center;gap:8px}
.btn-wa:hover{background:#1fb457;color:#fff;text-decoration:none}
.btn-print{background:#fff;color:var(--blue);border:2px solid var(--blue);padding:12px;border-radius:11px;font-size:15px;display:flex;align-items:center;justify-content:center;gap:8px}
.btn-print:hover{background:var(--blue);color:#fff}
.btn-copy{grid-column:1/-1;background:var(--blue-light);color:var(--blue);padding:11px;border-radius:11px;font-size:14px;font-weight:700}
.btn-copy:hover{background:#d9e6f8}

/* chart bar */
.mini-chart{display:flex;align-items:flex-end;gap:10px;height:110px;margin:14px 0;padding:0 6px}
.mini-chart .bar{flex:1;border-radius:8px 8px 0 0;position:relative;min-height:12px;animation:grow .8s ease}
.mini-chart .bar span{position:absolute;top:-22px;left:0;right:0;text-align:center;font-size:11px;font-weight:700;color:var(--gray)}
.mini-chart .bar em{position:absolute;bottom:-20px;left:0;right:0;text-align:center;font-size:11px;font-style:normal;color:var(--gray)}
.bar-blue{background:linear-gradient(180deg,#2a6fce,var(--blue-dark))}
.bar-yellow{background:linear-gradient(180deg,#ffd257,var(--yellow-dark))}
.bar-green{background:linear-gradient(180deg,#34c47c,#0c9d58)}
@keyframes grow{from{height:0}}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border-radius:12px;border:1px solid var(--border);box-shadow:var(--shadow);margin:22px 0;-webkit-overflow-scrolling:touch}
table.styled{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px;background:#fff}
table.styled th{background:var(--blue);color:#fff;padding:12px 15px;text-align:left;font-size:13.5px;text-transform:uppercase;letter-spacing:.4px;white-space:nowrap}
table.styled td{padding:11px 15px;border-bottom:1px solid var(--border)}
table.styled tr:nth-child(even){background:var(--gray-light)}
table.styled tr:hover{background:var(--blue-light)}

/* ---------- FAQ ---------- */
.faq-item{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:12px;overflow:hidden}
.faq-item summary{padding:17px 20px;font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:15.5px;color:var(--blue-dark)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:22px;color:var(--blue);font-weight:400;flex-shrink:0}
.faq-item[open] summary::after{content:"−"}
.faq-item[open] summary{background:var(--blue-light)}
.faq-item .faq-a{padding:16px 20px;color:var(--gray);font-size:14.5px;border-top:1px solid var(--border)}

/* ---------- Content / article ---------- */
.page-hero{background:linear-gradient(120deg,var(--blue-dark),var(--blue));color:#fff;padding:40px 0;text-align:center}
.page-hero h1{font-size:clamp(24px,3.4vw,38px);font-weight:800;margin-bottom:8px}
.page-hero p{opacity:.9;max-width:700px;margin:0 auto;font-size:15.5px}
.breadcrumb{font-size:13px;margin-bottom:12px;opacity:.85}
.breadcrumb a{color:var(--yellow)}
.content{max-width:820px;margin:0 auto}
.content h2{color:var(--blue-dark);font-size:26px;margin:34px 0 14px}
.content h3{color:var(--blue);font-size:20px;margin:26px 0 10px}
.content p{margin-bottom:15px;color:#3a414d}
.content ul,.content ol{margin:0 0 16px 24px}
.content li{margin-bottom:8px;color:#3a414d}
.content blockquote{border-left:4px solid var(--yellow);background:#fffbef;padding:14px 20px;border-radius:0 10px 10px 0;margin:18px 0;font-style:italic;color:var(--gray)}
.tip-box{background:var(--blue-light);border-left:4px solid var(--blue);padding:16px 20px;border-radius:0 12px 12px 0;margin:20px 0;font-size:14.5px}
.tip-box strong{color:var(--blue-dark)}
.warn-box{background:#fff4f2;border-left:4px solid var(--red);padding:16px 20px;border-radius:0 12px 12px 0;margin:20px 0;font-size:14.5px}

/* ---------- Steps / features ---------- */
.step{display:flex;gap:16px;align-items:flex-start;margin-bottom:20px}
.step .s-num{width:42px;height:42px;flex-shrink:0;border-radius:50%;background:var(--yellow);color:var(--blue-dark);font-weight:800;font-size:18px;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 10px rgba(249,185,23,.4)}
.step h3{font-size:17px;color:var(--blue-dark);margin-bottom:4px}
.step p{font-size:14.5px;color:var(--gray)}
.stat-band{background:linear-gradient(120deg,var(--blue-dark),var(--blue));color:#fff;padding:38px 0}
.stat-band .grid-4{text-align:center}
.stat-band .stat b{display:block;font-size:clamp(26px,3vw,38px);color:var(--yellow);font-weight:800}
.stat-band .stat span{font-size:14px;opacity:.9}

/* ---------- Blog cards ---------- */
.post-card{display:flex;flex-direction:column;height:100%}
.post-card .p-tag{display:inline-block;background:var(--yellow);color:var(--blue-dark);font-size:11.5px;font-weight:800;padding:4px 12px;border-radius:99px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.5px;align-self:flex-start}
.post-card h3{font-size:18px;line-height:1.4;margin-bottom:10px}
.post-card h3 a{color:var(--blue-dark)}
.post-card p{font-size:14px;color:var(--gray);flex:1}
.post-card .p-meta{font-size:12.5px;color:var(--gray);margin-top:14px;padding-top:12px;border-top:1px solid var(--border)}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--yellow),#ffca35);padding:46px 0;text-align:center}
.cta-band h2{color:var(--blue-dark);font-size:clamp(22px,3vw,32px);margin-bottom:10px;font-weight:800}
.cta-band p{color:#6b5200;margin-bottom:22px;font-weight:500}
.cta-band .btn{background:var(--blue-dark);color:#fff}
.cta-band .btn:hover{background:var(--blue)}

/* ---------- Footer ---------- */
footer.site-footer{background:var(--dark);color:#c9d1de;padding:52px 0 0;font-size:14px}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px;padding-bottom:36px}
@media(max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.f-grid{grid-template-columns:1fr}}
.f-grid img{height:48px;margin-bottom:14px;background:#fff;border-radius:10px;padding:6px}
.f-grid h4{color:#fff;font-size:15.5px;margin-bottom:16px;text-transform:uppercase;letter-spacing:.6px}
.f-grid ul{list-style:none}
.f-grid li{margin-bottom:9px}
.f-grid a{color:#c9d1de}
.f-grid a:hover{color:var(--yellow)}
.f-bottom{border-top:1px solid #3a4150;padding:18px 0;text-align:center;font-size:13px;color:#8b94a3}
.f-bottom a{color:var(--yellow)}
.f-disclaimer{background:#1a1e25;padding:14px 0;font-size:12px;color:#8b94a3;text-align:center;line-height:1.6}

/* ---------- WhatsApp float ---------- */
.wa-float{position:fixed;bottom:22px;right:22px;width:58px;height:58px;background:var(--whatsapp);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 20px rgba(37,211,102,.5);z-index:999;animation:pulse 2.2s infinite}
.wa-float svg{width:32px;height:32px;fill:#fff}
.wa-float:hover{transform:scale(1.1);text-decoration:none}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,.5)}70%{box-shadow:0 0 0 18px rgba(37,211,102,0)}100%{box-shadow:0 0 0 0 rgba(37,211,102,0)}}
.back-top{position:fixed;bottom:92px;right:30px;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;border:none;font-size:19px;cursor:pointer;display:none;z-index:998;box-shadow:var(--shadow)}
.back-top.show{display:block}

/* ---------- Forms (contact) ---------- */
.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:13px 15px;border:2px solid var(--border);border-radius:10px;font-size:15.5px;font-family:var(--font);margin-bottom:16px}
.contact-form input:focus,.contact-form textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(21,80,160,.12)}
.contact-form label{font-weight:700;font-size:14px;display:block;margin-bottom:6px}

/* ---------- Animations ---------- */
.fade-up{opacity:0;transform:translateY(26px);transition:.7s ease}
.fade-up.vis{opacity:1;transform:none}
.marquee{overflow:hidden;background:var(--blue-dark);color:#fff;padding:9px 0;font-size:13.5px}
.marquee-inner{display:inline-block;white-space:nowrap;animation:scrollx 30s linear infinite;padding-left:100%}
@keyframes scrollx{to{transform:translateX(-100%)}}
.marquee b{color:var(--yellow)}

/* ---------- Print / PDF ---------- */
@media print{
  header.site-header,footer.site-footer,.topbar,.marquee,.wa-float,.back-top,.res-actions,.btn-calc,.hero,.cta-band,nav,.no-print{display:none!important}
  body{background:#fff}
  .calc-wrap{box-shadow:none;border:1px solid #999}
  .calc-body{grid-template-columns:1fr 1fr}
  .print-brand{display:block!important;text-align:center;padding:14px;border-bottom:2px solid var(--blue)}
  .print-brand img{height:52px}
  section{padding:12px 0}
  .card:hover{transform:none}
}
.print-brand{display:none}