/* Emergency Fund Calculator - Professional CSS */

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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    line-height: 1.6;
    color: #2d3748;
    background-color: #ffffff;
    overflow-x: hidden;
}

/* Container and Layout */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.main-content {
    margin-top: 80px;
}

/* Navigation */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    z-index: 1000;
    padding: 1rem 0;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.nav-logo a {
    font-size: 1.5rem;
    font-weight: 700;
    color: #2b6cb0;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-logo i {
    font-size: 1.8rem;
}

.nav-menu {
    display: flex;
    gap: 2rem;
    align-items: center;
}

.nav-link {
    color: #4a5568;
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s ease;
    position: relative;
}

.nav-link:hover {
    color: #2b6cb0;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: #2b6cb0;
    transition: width 0.3s ease;
}

.nav-link:hover::after {
    width: 100%;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 4px;
}

.nav-toggle .bar {
    width: 25px;
    height: 3px;
    background: #4a5568;
    transition: all 0.3s ease;
    border-radius: 3px;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    padding: 120px 0 80px;
    text-align: center;
}

.hero-content h1 {
    font-size: 3.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 3rem;
    opacity: 0.95;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 2rem;
    max-width: 800px;
    margin: 0 auto;
}

.stat-item {
    text-align: center;
    padding: 1.5rem;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 12px;
    backdrop-filter: blur(10px);
}

.stat-number {
    font-size: 2.5rem;
    font-weight: 700;
    display: block;
    margin-bottom: 0.5rem;
}

.stat-label {
    font-size: 0.9rem;
    opacity: 0.9;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* Calculator Section */
.calculator-section {
    padding: 80px 0;
    background: #f8fafc;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}

.calculator-card, .results-section {
    background: white;
    border-radius: 16px;
    padding: 2.5rem;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(0, 0, 0, 0.05);
}

.calculator-card h2, .results-section h2 {
    font-size: 1.8rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 2rem;
    text-align: center;
}

/* Form Styles */
.calculator-form {
    max-width: 100%;
}

.input-grid {
    display: grid;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.input-group {
    display: flex;
    flex-direction: column;
}

.input-group label {
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 0.5rem;
    font-size: 0.95rem;
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-prefix {
    position: absolute;
    left: 12px;
    color: #718096;
    font-weight: 500;
    z-index: 2;
}

.input-group input, .input-group select {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid #e2e8f0;
    border-radius: 8px;
    font-size: 1rem;
    transition: all 0.3s ease;
    background: white;
    font-family: 'Poppins', sans-serif;
}

.input-group input[type="number"] {
    padding-left: 32px;
}

.input-group input:focus, .input-group select:focus {
    outline: none;
    border-color: #4299e1;
    box-shadow: 0 0 0 3px rgba(66, 153, 225, 0.1);
}

.input-help {
    font-size: 0.85rem;
    color: #718096;
    margin-top: 0.25rem;
    line-height: 1.4;
}

/* Slider Styles */
.slider-wrapper {
    position: relative;
    margin: 0.5rem 0;
}

.slider {
    -webkit-appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 5px;
    background: #e2e8f0;
    outline: none;
    cursor: pointer;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #4299e1;
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
}

.slider::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #4299e1;
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
}

.slider-value {
    position: absolute;
    right: 0;
    top: -35px;
    background: #2d3748;
    color: white;
    padding: 4px 8px;
    border-radius: 4px;
    font-size: 0.85rem;
    font-weight: 600;
}

/* Advanced Options */
.advanced-options {
    margin: 2rem 0;
    border: 1px solid #e2e8f0;
    border-radius: 8px;
    overflow: hidden;
}

.advanced-toggle {
    width: 100%;
    padding: 1rem;
    background: #f7fafc;
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-weight: 600;
    color: #4a5568;
    font-family: 'Poppins', sans-serif;
    transition: background-color 0.3s ease;
}

.advanced-toggle:hover {
    background: #edf2f7;
}

.advanced-toggle i {
    transition: transform 0.3s ease;
}

.advanced-toggle.active i.fa-chevron-down {
    transform: rotate(180deg);
}

.advanced-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
    background: white;
}

.advanced-content.active {
    max-height: 500px;
    padding: 1.5rem;
}

/* Risk Assessment */
.risk-assessment {
    margin: 2rem 0;
    padding: 1.5rem;
    background: #f8fafc;
    border: 2px solid #e2e8f0;
    border-radius: 12px;
    color: #2d3748;
    text-align: center;
}

.risk-assessment h3 {
    font-size: 1.3rem;
    margin-bottom: 1rem;
}

.risk-indicator {
    background: white;
    padding: 1rem;
    border-radius: 8px;
    border: 1px solid #e2e8f0;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.risk-level {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.risk-description {
    font-size: 0.95rem;
    opacity: 0.95;
}

/* Results Section */
.results-section {
    position: sticky;
    top: 100px;
}

.results-grid {
    display: grid;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.result-card {
    padding: 1.5rem;
    background: #f8fafc;
    border-radius: 12px;
    border-left: 4px solid #4299e1;
}

.result-card.primary {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    border-left: 4px solid rgba(255, 255, 255, 0.3);
}

.result-header {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.result-header i {
    font-size: 1.2rem;
    opacity: 0.8;
}

.result-header h3 {
    font-size: 1.1rem;
    font-weight: 600;
    margin: 0;
}

.result-value {
    font-size: 2.2rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: inherit;
}

.result-details {
    font-size: 0.9rem;
    opacity: 0.8;
}

/* Progress Bar */
.progress-wrapper {
    margin: 1rem 0;
}

.progress-bar {
    width: 100%;
    height: 12px;
    background: #e2e8f0;
    border-radius: 6px;
    overflow: hidden;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #48bb78, #38a169);
    transition: width 0.8s ease;
    border-radius: 6px;
}

.progress-text {
    text-align: center;
    margin-top: 0.5rem;
    font-weight: 600;
}

.gap-amount {
    font-size: 0.9rem;
    text-align: center;
    margin-top: 0.5rem;
    color: #e53e3e;
    font-weight: 600;
}

/* Chart Container */
.chart-container {
    margin: 2rem 0;
    height: 300px;
    background: white;
    border-radius: 8px;
    padding: 1rem;
}

/* Breakdown Section */
.breakdown-section {
    margin: 2rem 0;
    padding: 1.5rem;
    background: #f8fafc;
    border-radius: 12px;
}

.breakdown-section h3 {
    font-size: 1.2rem;
    margin-bottom: 1rem;
    color: #2d3748;
}

.breakdown-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

.breakdown-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.75rem;
    background: white;
    border-radius: 8px;
    border: 1px solid #e2e8f0;
}

.breakdown-label {
    font-size: 0.9rem;
    color: #718096;
}

.breakdown-value {
    font-weight: 600;
    color: #2d3748;
}

/* Action Plan */
.action-plan {
    margin: 2rem 0;
}

.action-plan h3 {
    font-size: 1.2rem;
    margin-bottom: 1rem;
    color: #2d3748;
}

.action-steps {
    display: grid;
    gap: 1rem;
}

.action-step {
    padding: 1rem;
    background: #f0fff4;
    border-left: 4px solid #48bb78;
    border-radius: 8px;
}

.action-step-number {
    font-weight: 700;
    color: #38a169;
    margin-bottom: 0.5rem;
}

.action-step-text {
    font-size: 0.95rem;
    color: #2d3748;
}

/* Introduction Section */
.intro-section {
    padding: 80px 0;
    background: white;
}

.intro-content h2 {
    text-align: center;
    font-size: 2.5rem;
    font-weight: 700;
    color: #2d3748;
    margin-bottom: 2rem;
}

.intro-description {
    text-align: center;
    font-size: 1.2rem;
    color: #4a5568;
    line-height: 1.7;
    max-width: 800px;
    margin: 0 auto 3rem;
}

.intro-benefits {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.benefit-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    text-align: left;
}

.benefit-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.benefit-text h4 {
    font-size: 1.1rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 0.5rem;
}

.benefit-text p {
    color: #718096;
    line-height: 1.6;
    margin: 0;
}

.why-important {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 12px;
    border-left: 4px solid #667eea;
}

.why-important h3 {
    font-size: 1.5rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 1.5rem;
    text-align: center;
}

.importance-points {
    display: grid;
    gap: 1rem;
}

.point {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.point i {
    color: #48bb78;
    font-size: 1.1rem;
    margin-top: 0.2rem;
    flex-shrink: 0;
}

.point span {
    color: #4a5568;
    line-height: 1.6;
}

/* Content Sections */
.importance-section, .strategies-section, .risk-guide-section, .next-steps-section, .faq-section {
    padding: 80px 0;
}

.importance-section {
    background: white;
}

.strategies-section {
    background: #f8fafc;
}

.risk-guide-section {
    background: white;
}

.next-steps-section {
    background: #f8fafc;
}

.faq-section {
    background: white;
}

.importance-section h2, .strategies-section h2, .risk-guide-section h2, .next-steps-section h2, .faq-section h2 {
    text-align: center;
    font-size: 2.5rem;
    font-weight: 700;
    color: #2d3748;
    margin-bottom: 3rem;
}

.section-subtitle {
    text-align: center;
    font-size: 1.2rem;
    color: #718096;
    margin-bottom: 3rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* Importance Grid */
.importance-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.importance-card {
    text-align: center;
    padding: 2rem;
    background: white;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.importance-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
}

.importance-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 1.5rem;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 2rem;
}

.importance-card h3 {
    font-size: 1.3rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 1rem;
}

.importance-card p {
    color: #718096;
    line-height: 1.6;
}

/* Strategies Grid */
.strategies-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

.strategy-card {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(0, 0, 0, 0.05);
    position: relative;
    overflow: hidden;
}

.strategy-number {
    position: absolute;
    top: -10px;
    right: 20px;
    font-size: 4rem;
    font-weight: 700;
    color: rgba(102, 126, 234, 0.1);
}

.strategy-card h3 {
    font-size: 1.3rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 1rem;
}

.strategy-card p {
    color: #718096;
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.strategy-tips h4, .strategy-milestones h4, .strategy-ideas h4 {
    font-size: 1rem;
    font-weight: 600;
    color: #4a5568;
    margin-bottom: 0.5rem;
}

.strategy-tips ul, .strategy-milestones ul, .strategy-ideas ul {
    list-style: none;
    padding: 0;
}

.strategy-tips li, .strategy-milestones li, .strategy-ideas li {
    padding: 0.25rem 0;
    color: #718096;
    position: relative;
    padding-left: 1.5rem;
}

.strategy-tips li::before, .strategy-milestones li::before, .strategy-ideas li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #48bb78;
    font-weight: 700;
}

/* Risk Categories */
.risk-categories {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
}

.risk-category {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(0, 0, 0, 0.05);
    position: relative;
    overflow: hidden;
}

.risk-category::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
}

.low-risk::before {
    background: linear-gradient(90deg, #48bb78, #38a169);
}

.medium-risk::before {
    background: linear-gradient(90deg, #ed8936, #dd6b20);
}

.high-risk::before {
    background: linear-gradient(90deg, #f56565, #e53e3e);
}

.risk-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1.5rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid #e2e8f0;
}

.risk-header h3 {
    font-size: 1.3rem;
    font-weight: 600;
    color: #2d3748;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.risk-months {
    font-size: 1.1rem;
    font-weight: 700;
    padding: 0.5rem 1rem;
    border-radius: 20px;
    background: #f7fafc;
    color: #4a5568;
}

.risk-characteristics h4 {
    font-size: 1rem;
    font-weight: 600;
    color: #4a5568;
    margin-bottom: 0.75rem;
}

.risk-characteristics ul {
    list-style: none;
    padding: 0;
}

.risk-characteristics li {
    padding: 0.5rem 0;
    color: #718096;
    position: relative;
    padding-left: 1.5rem;
    border-bottom: 1px solid #f1f5f9;
}

.risk-characteristics li:last-child {
    border-bottom: none;
}

.risk-characteristics li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: #4a5568;
    font-weight: 700;
}

/* CTA Section */
.cta-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.cta-card {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.cta-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
}

.cta-card.featured {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
}

.cta-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 1.5rem;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
}

.cta-card:not(.featured) .cta-icon {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
}

.cta-card h3 {
    font-size: 1.3rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

.cta-card p {
    margin-bottom: 1.5rem;
    opacity: 0.9;
    line-height: 1.6;
}

.cta-button {
    display: inline-block;
    padding: 12px 24px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
    border: 2px solid transparent;
}

.cta-button.primary {
    background: white;
    color: #667eea;
}

.cta-button.primary:hover {
    background: rgba(255, 255, 255, 0.9);
    transform: translateY(-2px);
}

.cta-button:not(.primary) {
    background: #667eea;
    color: white;
}

.cta-button:not(.primary):hover {
    background: #5a6fd8;
    transform: translateY(-2px);
}

/* FAQ Section */
.faq-categories {
    display: grid;
    gap: 3rem;
}

.faq-category h3 {
    font-size: 1.5rem;
    font-weight: 600;
    color: #2d3748;
    margin-bottom: 1.5rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid #667eea;
}

.faq-list {
    display: grid;
    gap: 1rem;
}

.faq-item {
    background: white;
    border-radius: 12px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    border: 1px solid rgba(0, 0, 0, 0.05);
    overflow: hidden;
}

.faq-question {
    padding: 1.5rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: #f8fafc;
    transition: background-color 0.3s ease;
}

.faq-question:hover {
    background: #edf2f7;
}

.faq-question h4 {
    font-size: 1.1rem;
    font-weight: 600;
    color: #2d3748;
    margin: 0;
    flex: 1;
}

.faq-question i {
    color: #718096;
    transition: transform 0.3s ease;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
    background: white;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer p {
    padding: 1.5rem;
    color: #4a5568;
    line-height: 1.7;
    margin: 0;
}

/* Footer */
.footer {
    background: #2d3748;
    color: #a0aec0;
    padding: 60px 0 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

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

.footer-logo {
    font-size: 1.5rem;
    font-weight: 700;
    color: #4299e1;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-section p {
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.footer-social {
    display: flex;
    gap: 1rem;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: #4a5568;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #a0aec0;
    text-decoration: none;
    transition: all 0.3s ease;
}

.footer-social a:hover {
    background: #4299e1;
    color: white;
    transform: translateY(-2px);
}

.footer-section ul {
    list-style: none;
    padding: 0;
}

.footer-section li {
    margin-bottom: 0.75rem;
}

.footer-section a {
    color: #a0aec0;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section a:hover {
    color: #4299e1;
}

.footer-bottom {
    border-top: 1px solid #4a5568;
    padding-top: 2rem;
    text-align: center;
}

.footer-copyright p {
    margin: 0;
    font-size: 0.9rem;
}

/* Responsive Design */
@media (max-width: 1024px) {
    .calculator-wrapper {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .results-section {
        position: static;
    }
    
    .footer-content {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }
}

@media (max-width: 768px) {
    .nav-menu {
        position: fixed;
        top: 80px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 80px);
        background: rgba(255, 255, 255, 0.98);
        backdrop-filter: blur(10px);
        flex-direction: column;
        justify-content: start;
        align-items: center;
        padding-top: 2rem;
        gap: 2rem;
        transition: left 0.3s ease;
        z-index: 999;
    }

    .nav-menu.active {
        left: 0;
    }

    .nav-toggle {
        display: flex;
    }

    .nav-toggle.active .bar:nth-child(1) {
        transform: rotate(-45deg) translate(-5px, 6px);
    }

    .nav-toggle.active .bar:nth-child(2) {
        opacity: 0;
    }

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

    .hero-content h1 {
        font-size: 2.5rem;
    }

    .hero-stats {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .intro-section, .calculator-section, .importance-section, .strategies-section, .risk-guide-section, .next-steps-section, .faq-section {
        padding: 60px 0;
    }

    .intro-content h2, .importance-section h2, .strategies-section h2, .risk-guide-section h2, .next-steps-section h2, .faq-section h2 {
        font-size: 2rem;
    }

    .intro-benefits {
        grid-template-columns: 1fr;
    }

    .importance-grid, .strategies-grid, .risk-categories, .cta-grid {
        grid-template-columns: 1fr;
    }

    .breakdown-grid {
        grid-template-columns: 1fr;
    }

    .footer-content {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 2rem;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }
    
    .hero {
        padding: 100px 0 60px;
    }
    
    .hero-content h1 {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1.1rem;
    }
    
    .calculator-card, .results-section {
        padding: 1.5rem;
    }
    
    .importance-card, .strategy-card, .risk-category, .cta-card {
        padding: 1.5rem;
    }
}

/* Print Styles */
@media print {
    .navbar, .footer, .faq-section {
        display: none;
    }
    
    .main-content {
        margin-top: 0;
    }
    
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
    
    .results-section {
        break-inside: avoid;
    }
}

/* Accessibility */
@media (prefers-reduced-motion: reduce) {
    * {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* High Contrast Mode */
@media (prefers-contrast: high) {
    .calculator-card, .results-section, .importance-card, .strategy-card, .risk-category, .cta-card, .faq-item {
        border: 2px solid #000;
    }
    
    .nav-link::after {
        background: #000;
    }
}