:root {
  --bg: #f3f6fb;
  --surface: #ffffff;
  --surface-2: #f8fafd;
  --line: #dde5f0;
  --ink: #1a2a44;
  --muted: #5b6d86;
  --brand: #f4a100;
  --brand-dark: #cc8400;
  --primary: #1f5dd8;
  --hero-start: #204797;
  --hero-end: #1a2f63;
}

* { box-sizing: border-box; }
html, body { margin: 0; }

body {
  font-family: Inter, Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--bg);
}

.container {
  width: min(1140px, 92vw);
  margin: 0 auto;
}

.topbar {
  background: #11335e;
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  position: sticky;
  top: 0;
  z-index: 40;
}

.nav-wrap {
  min-height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.brand {
  text-decoration: none;
  color: #fff;
  font-weight: 800;
  font-size: clamp(1rem, 0.8rem + 1vw, 1.25rem);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-links > a,
.nav-dropdown-toggle {
  color: #fff;
  text-decoration: none;
  background: none;
  border: 0;
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
}

.nav-item { position: relative; }

.categories-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  display: none;
  min-width: 220px;
  padding: 8px;
  border-radius: 10px;
  border: 1px solid var(--line);
  background: var(--surface);
  box-shadow: 0 12px 28px rgba(8, 17, 34, 0.18);
}

.categories.open .categories-menu {
  display: grid;
  gap: 4px;
}

.categories-menu a {
  text-decoration: none;
  color: var(--ink);
  font-size: 0.9rem;
  padding: 8px;
  border-radius: 8px;
}

.categories-menu a:hover { background: #edf3ff; }

.start-btn {
  background: var(--brand);
  border: 0;
  color: #fff;
  border-radius: 10px;
  padding: 10px 14px;
  font-weight: 700;
}

.hero {
  background: linear-gradient(120deg, var(--hero-start), var(--hero-end));
  color: #fff;
  padding: 44px 0 52px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 20px;
  align-items: center;
}

.hero-copy h1 {
  margin: 0;
  line-height: 1.1;
  font-size: clamp(1.8rem, 1.1rem + 2.5vw, 2.85rem);
}

.hero-copy h1 span { color: #9be1ff; }

.hero-copy p {
  margin: 16px 0 20px;
  color: #e7efff;
  line-height: 1.5;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; }

.btn {
  display: inline-block;
  text-decoration: none;
  border-radius: 10px;
  padding: 10px 14px;
  font-weight: 700;
  font-size: 0.92rem;
}

.btn-primary { background: #fff; color: #14357a; }
.btn-outline { border: 1px solid #99bbff; color: #eff5ff; }

.feature-shell {
  border: 1px solid rgba(255,255,255,0.25);
  background: rgba(255,255,255,0.08);
  border-radius: 14px;
  padding: 14px;
}

.feature-cards {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.feature {
  border-radius: 10px;
  padding: 14px;
}
.feature h3 { margin: 0 0 6px; font-size: 1rem; }
.feature p { margin: 0; font-size: 0.86rem; color: #eef4ff; }

.mortgage { background: linear-gradient(145deg, #3b72db, #5f90ef); }
.loan { background: linear-gradient(145deg, #1498c6, #1eadc6); }
.invest { background: linear-gradient(145deg, #4f58de, #7174ed); }
.retire { background: linear-gradient(145deg, #8f44d6, #ac5ef1); }

.catalog-section { padding: 28px 0; }

.catalog-layout {
  display: grid;
  grid-template-columns: 270px 1fr;
  gap: 18px;
  align-items: start;
}

.filters,
.tool-results {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
}

.filters {
  position: sticky;
  top: 82px;
  padding: 14px;
}

.filters-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.filters h2 {
  margin: 0;
  color: var(--brand-dark);
  font-size: 1rem;
}

.filter-toggle {
  display: none;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--muted);
  padding: 6px 9px;
}

.label {
  display: block;
  margin: 12px 0 7px;
  color: #3d5270;
  font-size: 0.9rem;
  font-weight: 700;
}

.search-input {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px;
  font-size: 0.94rem;
}

.category-list {
  display: grid;
  gap: 7px;
  max-height: 320px;
  overflow: auto;
  padding-right: 4px;
}

.category-list label {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #405670;
  font-size: 0.9rem;
}

.clear-btn {
  width: 100%;
  margin-top: 14px;
  border: 0;
  border-radius: 8px;
  background: var(--brand);
  color: #fff;
  padding: 10px;
  font-weight: 700;
  cursor: pointer;
}

.tool-results { padding: 16px; }

.results-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 12px;
}

.results-head h2 { margin: 0; }
.results-count { margin: 0; color: var(--muted); }

.tool-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.tool {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px;
  background: var(--surface);
}

.tool .icon {
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: #ffe6ad;
  margin-bottom: 7px;
}

.tool h3 {
  margin: 0 0 7px;
  font-size: 1rem;
  color: #d58d00;
}

.tool p {
  margin: 0 0 9px;
  color: #4d637e;
  font-size: 0.9rem;
  line-height: 1.45;
}

.chip-row {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
  margin-bottom: 10px;
}

.chip-row span {
  font-size: 0.72rem;
  background: #f2f6fc;
  color: #5d728d;
  padding: 4px 8px;
  border-radius: 999px;
}

.tool a {
  display: inline-block;
  text-decoration: none;
  background: var(--brand);
  color: #fff;
  border-radius: 8px;
  padding: 7px 10px;
  font-size: 0.84rem;
  font-weight: 700;
}

.empty-state {
  margin-top: 12px;
  border: 1px dashed var(--line);
  border-radius: 10px;
  padding: 11px;
  color: var(--muted);
  background: #fbfdff;
}

.category-columns {
  background: #123c5f;
  padding: 24px 0;
}

.columns-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.col-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px;
}

.avatar {
  width: 66px;
  height: 66px;
  border-radius: 50%;
  margin: 0 auto 10px;
  display: grid;
  place-items: center;
  font-size: 28px;
  background: #e2e9f3;
}

.col-card h3 {
  margin: 0 0 8px;
  text-align: center;
  font-size: 1.02rem;
  color: #565ccf;
}

.col-card ul { margin: 0; padding-left: 18px; }
.col-card li { font-size: 0.88rem; color: #365189; line-height: 1.46; }

.about { padding: 24px 0; }

.about-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
}

.about-card h2 {
  margin: 0 0 10px;
  text-align: center;
}

.about-card p {
  margin: 0 auto 10px;
  max-width: 900px;
  color: #4e647e;
  line-height: 1.55;
}

.stats {
  max-width: 680px;
  margin: 10px auto 0;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}

.stats div {
  background: #e7edf7;
  border-radius: 10px;
  padding: 12px;
  text-align: center;
}

.stats strong {
  display: block;
  color: #2c61e0;
  font-size: 1.45rem;
}

.stats span {
  font-size: 0.86rem;
  color: #4a617d;
}

footer {
  background: #0d2440;
  color: #fff;
  padding: 24px 0 12px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 12px;
  border-bottom: 1px solid rgba(255,255,255,0.2);
  padding-bottom: 12px;
}

footer h3,
footer h4 { margin: 0 0 8px; }

footer p,
footer a {
  display: block;
  margin: 0;
  color: #e7f1ff;
  text-decoration: none;
  font-size: 0.88rem;
  line-height: 1.45;
}

.copyright {
  margin: 12px 0 0;
  text-align: center;
  font-size: 0.82rem;
}

@media (max-width: 1024px) {
  .catalog-layout { grid-template-columns: 230px 1fr; }
  .tool-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .columns-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 840px) {
  .nav-wrap { flex-wrap: wrap; padding: 12px 0; }
  .nav-links { order: 3; width: 100%; flex-wrap: wrap; }

  .hero-grid,
  .catalog-layout,
  .tool-grid,
  .columns-grid,
  .stats,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .filters { position: static; }
  .filter-toggle { display: inline-block; }

  .filters-panel { display: none; margin-top: 7px; }
  .filters.open .filters-panel { display: block; }

  .categories-menu {
    position: static;
    min-width: 0;
    margin-top: 8px;
  }

  .results-head {
    flex-direction: column;
    align-items: flex-start;
  }
}