/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Poppins', sans-serif;
    line-height: 1.6;
    color: #333;
    background-color: #fff;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Header Styles */
.header {
    background: #fff;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 3px solid #4f46e5;
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 0;
}

.logo a {
    display: flex;
    align-items: center;
    text-decoration: none;
    font-weight: 700;
    font-size: 1.5rem;
    color: #4f46e5;
}

.logo i {
    margin-right: 0.5rem;
    font-size: 1.8rem;
}

/* Navigation Styles */
.main-nav {
    display: flex;
}

.nav-menu {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 0;
}

.nav-menu > li {
    position: relative;
    margin: 0;
}

.nav-menu > li > a {
    display: flex;
    align-items: center;
    padding: 1rem 1.5rem;
    text-decoration: none;
    color: #374151;
    font-weight: 500;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    border-radius: 8px;
    margin: 0 2px;
}

.nav-menu > li > a:hover {
    color: #4f46e5;
    background-color: #f8fafc;
}

/* Dropdown Styles */
.dropdown-toggle i {
    margin-left: 0.5rem;
    font-size: 0.8rem;
    transition: transform 0.3s ease;
}

.dropdown:hover .dropdown-toggle i {
    transform: rotate(180deg);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: #fff;
    min-width: 220px;
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
    border-radius: 12px;
    padding: 0.5rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    border: 1px solid #e5e7eb;
    z-index: 1000;
}

.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-menu li {
    list-style: none;
    margin: 0;
}

.dropdown-menu a {
    display: block;
    padding: 0.75rem 1.25rem;
    color: #374151;
    text-decoration: none;
    font-weight: 400;
    font-size: 0.9rem;
    transition: all 0.3s ease;
    border-radius: 6px;
    margin: 2px 0.5rem;
}

.dropdown-menu a:hover {
    background-color: #f3f4f6;
    color: #4f46e5;
    transform: translateX(5px);
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
    border-radius: 6px;
    transition: background-color 0.3s ease;
}

.mobile-menu-toggle:hover {
    background-color: #f3f4f6;
}

.mobile-menu-toggle span {
    width: 25px;
    height: 3px;
    background-color: #374151;
    margin: 3px 0;
    transition: all 0.3s ease;
    border-radius: 2px;
}

/* Mobile Menu Animation */
.mobile-menu-toggle.active span:nth-child(1) {
    transform: rotate(-45deg) translate(-5px, 6px);
}

.mobile-menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active span:nth-child(3) {
    transform: rotate(45deg) translate(-5px, -6px);
}

/* Main Content */
.main-content {
    margin-top: 2rem;
    margin-bottom: 4rem;
}

/* Breadcrumb */
.breadcrumb {
    display: flex;
    align-items: center;
    margin-bottom: 2rem;
    font-size: 0.9rem;
    color: #6b7280;
}

.breadcrumb a {
    color: #4f46e5;
    text-decoration: none;
}

.breadcrumb a:hover {
    text-decoration: underline;
}

.breadcrumb i {
    margin: 0 0.5rem;
    font-size: 0.8rem;
}

/* Article Styles */
.blog-article {
    max-width: 800px;
    margin: 0 auto;
}

.article-header {
    text-align: center;
    margin-bottom: 3rem;
    padding: 2rem 0;
}

.category-badge {
    display: inline-block;
    padding: 0.5rem 1rem;
    border-radius: 25px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.category-badge.financial {
    background-color: #dcfce7;
    color: #166534;
}

.article-title {
    font-size: 3rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.article-excerpt {
    font-size: 1.2rem;
    color: #6b7280;
    line-height: 1.6;
    max-width: 650px;
    margin: 0 auto;
}

/* Article Content */
.article-content {
    font-size: 1.1rem;
    line-height: 1.8;
    color: #374151;
}

.content-section {
    margin-bottom: 3rem;
}

.content-section h2 {
    font-size: 2.2rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 1.5rem;
    border-bottom: 3px solid #4f46e5;
    padding-bottom: 0.5rem;
}

.content-section h3 {
    font-size: 1.5rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 1rem;
}

.lead-paragraph {
    font-size: 1.3rem;
    font-weight: 500;
    color: #4f46e5;
    margin-bottom: 1.5rem;
}

.highlight-text {
    font-size: 1.2rem;
    font-weight: 600;
    color: #4f46e5;
    text-align: center;
    padding: 1rem;
    background: linear-gradient(135deg, #f0f9ff 0%, #e0e7ff 100%);
    border-radius: 12px;
    border-left: 4px solid #4f46e5;
    margin: 2rem 0;
}

/* Content Boxes */
.warning-box, .example-box, .next-steps-box {
    padding: 2rem;
    border-radius: 12px;
    margin: 2rem 0;
    border-left: 4px solid;
}

.warning-box {
    background: #fef2f2;
    border-left-color: #ef4444;
}

.warning-box h3 {
    color: #dc2626;
    margin-bottom: 1rem;
}

.example-box {
    background: #f0f9ff;
    border-left-color: #0ea5e9;
}

.example-box h3 {
    color: #0284c7;
    margin-bottom: 1rem;
}

.next-steps-box {
    background: #f0fdf4;
    border-left-color: #22c55e;
    text-align: center;
}

/* Grid Layouts */
.factors-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.factor-card {
    background: #fff;
    border: 1px solid #e5e7eb;
    border-radius: 12px;
    padding: 1.5rem;
    box-shadow: 0 4px 6px rgba(0,0,0,0.05);
    transition: all 0.3s ease;
}

.factor-card:hover {
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
    transform: translateY(-2px);
}

.factor-card h3 {
    display: flex;
    align-items: center;
    color: #1f2937;
    margin-bottom: 1rem;
}

.factor-card h3 i {
    margin-right: 0.5rem;
    color: #4f46e5;
}

.cta-text {
    margin-top: 1rem;
    font-weight: 500;
}

.inline-cta {
    color: #4f46e5;
    text-decoration: none;
    font-weight: 600;
}

.inline-cta:hover {
    text-decoration: underline;
}

/* Scenarios Grid */
.scenarios-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin: 2rem 0;
}

.scenario-card {
    background: #fff;
    border: 2px solid #e5e7eb;
    border-radius: 15px;
    padding: 2rem;
    box-shadow: 0 6px 15px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
}

.scenario-card:hover {
    border-color: #4f46e5;
    box-shadow: 0 10px 25px rgba(79,70,229,0.15);
    transform: translateY(-3px);
}

.scenario-card h3 {
    color: #1f2937;
    font-size: 1.3rem;
    margin-bottom: 1.5rem;
    text-align: center;
    border-bottom: 2px solid #f3f4f6;
    padding-bottom: 0.5rem;
}

.scenario-details p {
    margin-bottom: 0.5rem;
}

.savings-target {
    font-size: 1.3rem;
    background: linear-gradient(135deg, #4f46e5, #7c3aed);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    text-align: center;
    margin: 1rem 0;
}

.scenario-note {
    font-style: italic;
    color: #6b7280;
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid #e5e7eb;
}

/* CTA Box */
.cta-box {
    background: linear-gradient(135deg, #4f46e5, #7c3aed);
    padding: 2rem;
    border-radius: 15px;
    text-align: center;
    margin: 2rem 0;
}

.cta-box p {
    color: #fff;
    font-size: 1.2rem;
    font-weight: 500;
}

.cta-button {
    background: #fff;
    color: #4f46e5;
    padding: 1rem 2rem;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 600;
    display: inline-block;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}

.cta-button:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0,0,0,0.15);
}

/* Tools Grid */
.tools-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.tool-card {
    background: #fff;
    border: 1px solid #e5e7eb;
    border-radius: 12px;
    padding: 2rem 1.5rem;
    text-align: center;
    box-shadow: 0 4px 10px rgba(0,0,0,0.05);
    transition: all 0.3s ease;
}

.tool-card:hover {
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
    transform: translateY(-3px);
}

.tool-card i {
    font-size: 2.5rem;
    color: #4f46e5;
    margin-bottom: 1rem;
}

.tool-card h3 {
    color: #1f2937;
    margin-bottom: 1rem;
    font-size: 1.2rem;
}

.tool-card p {
    color: #6b7280;
    margin-bottom: 1.5rem;
    font-size: 0.95rem;
}

.tool-link {
    background: #4f46e5;
    color: #fff;
    padding: 0.75rem 1.5rem;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
    display: inline-block;
}

.tool-link:hover {
    background: #3730a3;
    transform: translateY(-1px);
}

/* Strategies List */
.strategies-list {
    margin: 2rem 0;
}

.strategy-item {
    display: flex;
    align-items: flex-start;
    margin-bottom: 2rem;
    background: #fff;
    border: 1px solid #e5e7eb;
    border-radius: 12px;
    padding: 1.5rem;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.strategy-number {
    background: linear-gradient(135deg, #4f46e5, #7c3aed);
    color: #fff;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    margin-right: 1.5rem;
    flex-shrink: 0;
}

.strategy-content h3 {
    color: #1f2937;
    margin-bottom: 0.5rem;
    font-size: 1.2rem;
}

/* Advanced Topics */
.advanced-topics {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.topic-card {
    background: #fff;
    border: 1px solid #e5e7eb;
    border-radius: 12px;
    padding: 1.5rem;
    box-shadow: 0 4px 10px rgba(0,0,0,0.05);
}

.topic-card h3 {
    display: flex;
    align-items: center;
    color: #1f2937;
    margin-bottom: 1rem;
}

.topic-card h3 i {
    margin-right: 0.5rem;
    color: #4f46e5;
}

/* FAQ Styles */
.faq-list {
    margin: 2rem 0;
}

.faq-item {
    background: #fff;
    border: 1px solid #e5e7eb;
    border-radius: 12px;
    margin-bottom: 1rem;
    padding: 1.5rem;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.faq-item h3 {
    color: #1f2937;
    font-size: 1.1rem;
    margin-bottom: 1rem;
    font-weight: 600;
}

.faq-item p {
    color: #4b5563;
    line-height: 1.6;
}

/* Guidelines Grid */
.guidelines-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
    margin: 2rem 0;
}

.guideline-item {
    background: #fff;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 1.5rem;
    text-align: center;
    transition: all 0.3s ease;
}

.guideline-item:hover {
    border-color: #4f46e5;
    transform: translateY(-2px);
}

.guideline-item h3 {
    color: #1f2937;
    margin-bottom: 0.5rem;
    font-size: 1.1rem;
}

.guideline-item p {
    color: #4f46e5;
    font-weight: 600;
    font-size: 1.1rem;
}

/* Action CTA */
.action-cta {
    background: linear-gradient(135deg, #1f2937, #374151);
    padding: 3rem 2rem;
    border-radius: 20px;
    text-align: center;
    margin: 3rem 0;
    color: #fff;
}

.action-cta h3 {
    color: #fff;
    font-size: 1.8rem;
    margin-bottom: 1rem;
}

.action-cta p {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    color: #d1d5db;
}

.primary-cta-button {
    background: linear-gradient(135deg, #4f46e5, #7c3aed);
    color: #fff;
    padding: 1.2rem 2.5rem;
    border-radius: 12px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
    display: inline-flex;
    align-items: center;
    transition: all 0.3s ease;
    box-shadow: 0 8px 20px rgba(79,70,229,0.3);
}

.primary-cta-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 30px rgba(79,70,229,0.4);
}

.primary-cta-button i {
    margin-right: 0.5rem;
}

/* Footer Styles */
.footer {
    background: #1f2937;
    color: #d1d5db;
    padding: 3rem 0 1rem;
    margin-top: 4rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-section h4 {
    color: #fff;
    font-size: 1.1rem;
    margin-bottom: 1rem;
    font-weight: 600;
}

.footer-logo {
    display: flex;
    align-items: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: #4f46e5;
    margin-bottom: 1rem;
}

.footer-logo i {
    margin-right: 0.5rem;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.5rem;
}

.footer-section ul li a {
    color: #d1d5db;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section ul li a:hover {
    color: #4f46e5;
}

.footer-bottom {
    border-top: 1px solid #374151;
    padding-top: 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-links {
    display: flex;
    gap: 2rem;
}

.footer-links a {
    color: #9ca3af;
    text-decoration: none;
    font-size: 0.9rem;
}

.footer-links a:hover {
    color: #4f46e5;
}

/* Responsive Design */
@media (max-width: 768px) {
    .container {
        padding: 0 15px;
    }
    
    .main-nav {
        position: fixed;
        top: 100%;
        left: 0;
        width: 100%;
        background: #fff;
        box-shadow: 0 4px 20px rgba(0,0,0,0.1);
        transform: translateY(-100%);
        transition: all 0.3s ease;
        opacity: 0;
        visibility: hidden;
        z-index: 999;
    }
    
    .main-nav.active {
        transform: translateY(0);
        opacity: 1;
        visibility: visible;
    }
    
    .nav-menu {
        flex-direction: column;
        padding: 1rem 0;
        align-items: stretch;
    }
    
    .nav-menu > li {
        margin: 0;
        border-bottom: 1px solid #f3f4f6;
    }
    
    .nav-menu > li:last-child {
        border-bottom: none;
    }
    
    .nav-menu > li > a {
        padding: 1rem 1.5rem;
        margin: 0;
        border-radius: 0;
        justify-content: space-between;
    }
    
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        border-radius: 0;
        background: #f9fafb;
        margin: 0;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
    }
    
    .dropdown.active .dropdown-menu {
        max-height: 300px;
    }
    
    .dropdown-menu a {
        padding: 0.75rem 2rem;
        margin: 0;
        border-radius: 0;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    .article-title {
        font-size: 2rem;
    }
    
    .factors-grid,
    .scenarios-grid,
    .tools-grid {
        grid-template-columns: 1fr;
    }
    
    .guidelines-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .footer-links {
        order: 2;
    }
}

@media (max-width: 480px) {
    .article-title {
        font-size: 1.8rem;
    }
    
    .content-section h2 {
        font-size: 1.8rem;
    }
    
    .strategy-item {
        flex-direction: column;
        text-align: center;
    }
    
    .strategy-number {
        margin-right: 0;
        margin-bottom: 1rem;
    }
}