@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;600;700;800&display=swap');

:root {
  --primary: #0077B6;
  --primary-dark: #005f91;
  --secondary: #90E0EF;
  --bg: #f7fbfe;
  --text: #0f2a3a;
  --muted: #4a6575;
  --card: #ffffff;
  --border: #d9e7ef;
  --space-1: 8px;
  --space-2: 16px;
  --space-3: 24px;
  --space-4: 32px;
  --radius: 14px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255,255,255,.95);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(8px);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  color: var(--text);
}
.brand-dot {
  width: 10px; height: 10px; border-radius: 50%;
  background: var(--primary);
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 14px;
}
.main-nav a {
  font-weight: 600;
  color: var(--text);
}
.main-nav a.active { color: var(--primary); }
.btn-blog {
  background: var(--primary);
  color: #fff !important;
  padding: 10px 14px;
  border-radius: 10px;
}
.btn-blog:hover {
  background: var(--primary-dark);
  text-decoration: none;
}

.hero {
  padding: 56px 0;
}
.hero-grid {
  display: grid;
  gap: 20px;
}
.hero h1 {
  font-size: clamp(1.8rem, 3.2vw, 3rem);
  line-height: 1.15;
  margin: 0 0 12px;
}
.hero p { color: var(--muted); }
.hero-cta {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin: 18px 0 10px;
}
.hero-card {
  background: linear-gradient(145deg, #fff, #eef8fc);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: var(--space-3);
}

.btn-primary, .btn-ghost {
  display: inline-block;
  border-radius: 10px;
  padding: 11px 16px;
  font-weight: 700;
  border: 1px solid transparent;
  cursor: pointer;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
}
.btn-primary:hover {
  background: var(--primary-dark);
  text-decoration: none;
}
.btn-ghost {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-ghost:hover {
  background: rgba(0,119,182,.08);
  text-decoration: none;
}

section { margin: 30px 0; }

.grid-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
}

.search-form {
  display: flex;
  gap: 10px;
  margin: 14px 0 20px;
}
.search-form input {
  flex: 1;
  min-width: 180px;
  padding: 11px 12px;
  border: 1px solid #c5dbe7;
  border-radius: 10px;
}
.search-form button {
  padding: 11px 14px;
  border: 0;
  border-radius: 10px;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
}

.credit-sim-section,
.sim-v2-section,
.cta-section {
  margin-top: 3rem;
  margin-bottom: 3rem;
}

.credit-grid,
.sim-v2-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-top: 1rem;
}
.credit-form,
.credit-results,
.sim-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem;
  box-shadow: 0 6px 20px rgba(0,0,0,.04);
}
.credit-form label,
.sim-form label {
  display: block;
  font-weight: 600;
  margin-top: .7rem;
  margin-bottom: .3rem;
}
.credit-form input,
.sim-form input {
  width: 100%;
  padding: .7rem .8rem;
  border: 1px solid #c7dbe8;
  border-radius: 10px;
}
.sim-results {
  margin-top: 1rem;
  background: #f4fbff;
  border: 1px solid #d9eef9;
  border-radius: 10px;
  padding: .8rem;
}

.disclaimer, .small-note {
  color: #3f5f71;
  font-size: .92rem;
}

.site-footer {
  margin-top: 44px;
  background: #062739;
  color: #dcecf5;
  padding-top: 26px;
}
.site-footer a { color: #90E0EF; }
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.18);
  margin-top: 12px;
  padding: 12px 0;
}

.reveal-on-scroll {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .35s ease, transform .35s ease;
}
.reveal-on-scroll.revealed {
  opacity: 1;
  transform: translateY(0);
}

@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.1fr .9fr; align-items: center; }
  .grid-cards { grid-template-columns: repeat(2, 1fr); }
  .credit-grid { grid-template-columns: 1.1fr .9fr; }
  .sim-v2-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.3fr .7fr; }
}