/* ============================================================
   ZhunMoney — SG money tools
   Design ref: Wise (calm fintech) × gov.uk (typographic honesty)
   × kopitiam warmth. Fraunces display + Inter UI.
   ============================================================ */

:root {
  --paper: #F6F4EE;
  --paper-deep: #EFECE3;
  --card: #FFFFFF;
  --ink: #17211B;
  --ink-soft: #3D4A41;
  --muted: #6E766C;
  --line: #E2DED2;
  --green: #0E7C5B;
  --green-deep: #0A5C44;
  --green-wash: #E3F0EA;
  --amber: #B4540A;
  --amber-wash: #F8EBDD;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 2px rgba(23,33,27,.05), 0 8px 28px rgba(23,33,27,.07);
  --serif: "Fraunces", "Iowan Old Style", Georgia, serif;
  --sans: "Inter", -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.55;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

/* ---------- layout ---------- */
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 780px; margin: 0 auto; padding: 0 24px; }

/* ---------- top nav ---------- */
.nav {
  background: rgba(246,244,238,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
}
.nav-inner {
  max-width: 1120px; margin: 0 auto; padding: 14px 24px;
  display: flex; align-items: center; gap: 28px;
}
.brand {
  font-family: var(--serif); font-weight: 600; font-size: 22px;
  color: var(--ink); text-decoration: none; letter-spacing: -.01em;
  display: flex; align-items: center; gap: 9px;
}
.brand-mark {
  width: 26px; height: 26px; border-radius: 8px;
  background: var(--green); color: #fff;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 700; font-family: var(--sans);
}
.nav-links { display: flex; gap: 4px; margin-left: auto; align-items: center; flex-wrap: wrap; }
.nav-links a {
  text-decoration: none; color: var(--ink-soft); font-size: 14px; font-weight: 500;
  padding: 7px 13px; border-radius: 999px;
}
.nav-links a:hover { background: var(--paper-deep); color: var(--ink); }
.nav-links a.active { background: var(--green-wash); color: var(--green-deep); }
.lang-pill {
  border: 1px solid var(--line); font-weight: 700; letter-spacing: .05em;
}
.lang-pill:hover { border-color: var(--green); }
html[lang="zh-SG"] body { font-family: "Noto Sans SC", var(--sans); }
html[lang="zh-SG"] h1, html[lang="zh-SG"] h2, html[lang="zh-SG"] .tool-card h3,
html[lang="zh-SG"] .result-big, html[lang="zh-SG"] .mini .v, html[lang="zh-SG"] .brand,
html[lang="zh-SG"] .foot-brand, html[lang="zh-SG"] .panel-title {
  font-family: "Noto Sans SC", var(--sans); letter-spacing: 0;
}
.nav-cta {
  background: var(--ink); color: #fff !important;
}
.nav-cta:hover { background: var(--green-deep) !important; }

/* ---------- hero ---------- */
.hero { padding: 84px 0 56px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--green-deep); background: var(--green-wash);
  padding: 6px 14px; border-radius: 999px; margin-bottom: 22px;
}
h1 {
  font-family: var(--serif); font-weight: 560;
  font-size: clamp(38px, 5.4vw, 58px);
  line-height: 1.08; letter-spacing: -.02em; max-width: 15ch;
}
h1 em { font-style: italic; color: var(--green-deep); }
.lede { font-size: 19px; color: var(--ink-soft); max-width: 56ch; margin-top: 20px; }
.lede strong { color: var(--ink); }

/* ---------- card grid ---------- */
.grid {
  display: grid; gap: 18px; padding: 12px 0 72px;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
}
.tool-card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px 24px 22px;
  text-decoration: none; color: inherit; display: block;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.tool-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #CFC9B8; }
.tool-icon {
  width: 42px; height: 42px; border-radius: 11px;
  background: var(--green-wash); color: var(--green-deep);
  display: flex; align-items: center; justify-content: center; margin-bottom: 16px;
}
.tool-card h3 { font-family: var(--serif); font-size: 21px; font-weight: 600; letter-spacing: -.01em; margin-bottom: 7px; }
.tool-card p { font-size: 14.5px; color: var(--muted); }
.tool-go { font-size: 13.5px; font-weight: 600; color: var(--green-deep); margin-top: 14px; display: inline-flex; align-items: center; gap: 5px; }

/* ---------- calculator layout ---------- */
.calc-head { padding: 52px 0 8px; }
.calc-head h1 { font-size: clamp(30px, 4vw, 42px); max-width: 22ch; }
.calc-head .lede { margin-top: 12px; font-size: 17px; }
.calc-grid {
  display: grid; grid-template-columns: 400px 1fr; gap: 24px;
  padding: 28px 0 80px; align-items: start;
}
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-grid > * { min-width: 0; }

.panel {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px;
}
.panel-title { font-family: var(--serif); font-size: 19px; font-weight: 600; margin-bottom: 18px; }

.field { margin-bottom: 18px; }
.field:last-child { margin-bottom: 0; }
.field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 13.5px; font-weight: 600; color: var(--ink-soft); margin-bottom: 7px;
}
.field label .val {
  font-family: var(--serif); font-size: 17px; font-weight: 600; color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.field input[type=number], .field select {
  width: 100%; padding: 11px 13px; font-size: 15px; font-family: var(--sans);
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: var(--paper); color: var(--ink); outline: none;
  font-variant-numeric: tabular-nums;
}
.field input:focus, .field select:focus { border-color: var(--green); background: #fff; box-shadow: 0 0 0 3px var(--green-wash); }
.field input[type=range] { width: 100%; accent-color: var(--green); margin-top: 4px; }
.hint { font-size: 12.5px; color: var(--muted); margin-top: 5px; }

.seg { display: flex; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 3px; gap: 3px; }
.seg button {
  flex: 1; border: 0; background: transparent; padding: 8px 6px; font-size: 13.5px;
  font-weight: 600; color: var(--muted); border-radius: 6px; cursor: pointer; font-family: var(--sans);
}
.seg button.on { background: #fff; color: var(--green-deep); box-shadow: 0 1px 3px rgba(23,33,27,.12); }

.btn {
  width: 100%; padding: 14px; border: 0; border-radius: var(--radius-sm);
  background: var(--green); color: #fff; font-size: 15.5px; font-weight: 650;
  cursor: pointer; font-family: var(--sans); transition: background .15s ease;
}
.btn:hover { background: var(--green-deep); }

/* ---------- results ---------- */
.result-hero { padding: 6px 0 20px; border-bottom: 1px dashed var(--line); margin-bottom: 20px; }
.result-label { font-size: 12.5px; font-weight: 650; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.result-big {
  font-family: var(--serif); font-size: clamp(38px, 4.6vw, 52px);
  font-weight: 600; letter-spacing: -.02em; color: var(--green-deep);
  font-variant-numeric: tabular-nums; line-height: 1.1; margin-top: 4px;
}
.result-sub { font-size: 14px; color: var(--muted); margin-top: 6px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .split { grid-template-columns: 1fr; } }
.mini {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius-sm); padding: 16px 18px;
}
.mini .k { font-size: 12.5px; color: var(--muted); font-weight: 600; }
.mini .v { font-family: var(--serif); font-size: 25px; font-weight: 600; margin-top: 3px; font-variant-numeric: tabular-nums; }
.mini .v.pos { color: var(--green-deep); }
.mini .v.neg { color: var(--amber); }

/* bar compare */
.bars { margin: 18px 0 4px; display: grid; gap: 14px; }
.bar-row { display: grid; gap: 6px; }
.bar-row .bar-top { display: flex; justify-content: space-between; font-size: 13.5px; font-weight: 600; color: var(--ink-soft); }
.bar-row .bar-top span:last-child { font-variant-numeric: tabular-nums; color: var(--ink); }
.bar-track { height: 12px; background: var(--paper-deep); border-radius: 999px; overflow: hidden; }
.bar-fill { height: 100%; border-radius: 999px; background: var(--green); width: 0%; transition: width .7s cubic-bezier(.22,1,.36,1); }
.bar-fill.dim { background: #C9C2AF; }
.bar-fill.warn { background: var(--amber); }

/* methodology / assumptions */
.assume { margin-top: 22px; background: var(--amber-wash); border: 1px solid #EBD3B8; border-radius: var(--radius-sm); padding: 16px 18px; }
.assume h4 { font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--amber); margin-bottom: 8px; }
.assume ul { margin-left: 18px; font-size: 13.5px; color: var(--ink-soft); display: grid; gap: 4px; }

.related { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 24px; }
.chip {
  font-size: 13px; font-weight: 600; text-decoration: none; color: var(--green-deep);
  background: var(--green-wash); padding: 7px 14px; border-radius: 999px;
}
.chip:hover { background: #D2E6DC; }

/* payout trajectory table */
.payout-table { width:100%; border-collapse:separate; border-spacing:0; margin-top:6px; }
.payout-table th { text-align:right; font-size:12.5px; color:var(--muted); font-weight:650; padding:10px 12px; border-bottom:1px solid var(--line); font-variant-numeric:tabular-nums; }
.payout-table th:first-child { text-align:left; }
.payout-table td { text-align:right; padding:13px 12px; border-bottom:1px solid var(--line); font-variant-numeric:tabular-nums; font-size:16.5px; font-weight:600; }
.payout-table td:first-child { text-align:left; font-weight:500; font-size:14px; line-height:1.35; }
.payout-table tr:last-child td { border-bottom:0; }
.payout-table .hot { color: var(--green-deep); }
.t-note { font-size:12px; color:var(--muted); font-weight:400; }
@media (max-width: 560px) {
  .payout-table .t-note { display: none; }
  .payout-table th, .payout-table td { padding: 11px 8px; font-size: 14.5px; }
  .payout-table td:first-child { font-size: 13.5px; }
  .panel { padding: 20px; }
}

/* ---------- small screens ---------- */
@media (max-width: 640px) {
  .nav-inner { flex-wrap: wrap; gap: 10px; padding: 12px 16px; }
  .nav-links {
    flex-wrap: nowrap; overflow-x: auto; width: 100%; margin-left: 0;
    scrollbar-width: none; -webkit-overflow-scrolling: touch;
  }
  .nav-links::-webkit-scrollbar { display: none; }
  .nav-links a { white-space: nowrap; }
  .hero { padding: 52px 0 40px; }
  .calc-head { padding: 36px 0 4px; }
  h1 { letter-spacing: -.015em; }
}

/* ---------- footer ---------- */
footer { border-top: 1px solid var(--line); background: var(--paper-deep); padding: 44px 0 56px; margin-top: 40px; }
.foot-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; }
@media (max-width: 720px) { .foot-grid { grid-template-columns: 1fr; } }
.foot-brand { font-family: var(--serif); font-size: 20px; font-weight: 600; margin-bottom: 8px; }
footer p { font-size: 13px; color: var(--muted); max-width: 46ch; }
footer h5 { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 10px; }
footer ul { list-style: none; display: grid; gap: 7px; }
footer ul a { font-size: 13.5px; color: var(--ink-soft); text-decoration: none; }
footer ul a:hover { color: var(--green-deep); }
.disclaimer { font-size: 12px; color: var(--muted); margin-top: 28px; padding-top: 18px; border-top: 1px solid var(--line); }

/* section headers */
.sec { padding: 64px 0 8px; }
.sec h2 { font-family: var(--serif); font-size: clamp(26px, 3.4vw, 36px); font-weight: 600; letter-spacing: -.015em; max-width: 24ch; }
.sec p.sub { color: var(--muted); font-size: 16px; margin-top: 10px; max-width: 60ch; }

/* trust strip */
.strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; padding: 36px 0 8px; }
@media (max-width: 720px) { .strip { grid-template-columns: 1fr; } }
.strip .item { padding: 20px; border-left: 3px solid var(--green); background: var(--card); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; }
.strip .item h4 { font-size: 15px; font-weight: 650; margin-bottom: 5px; }
.strip .item p { font-size: 13.5px; color: var(--muted); }

/* ---------- ad slots ---------- */
.ad-slot { min-height: 0; }
.ad-slot:empty { display: none; }
.ad-slot:not(:empty) {
  margin: 26px auto; max-width: 760px; text-align: center;
  min-height: 100px; display: flex; align-items: center; justify-content: center;
}
.ad-slot:not(:empty)::before {
  content: "Advertisement"; position: relative; font-size: 10.5px;
  letter-spacing: .12em; text-transform: uppercase; color: var(--muted);
  margin-bottom: -100px;
}