:root {
  --bg: #08111f;
  --bg-2: #10192f;
  --panel: rgba(255, 255, 255, 0.08);
  --panel-2: rgba(255, 255, 255, 0.12);
  --text: #f4f7fb;
  --muted: #aebbd0;
  --green: #53e6a0;
  --blue: #6aa8ff;
  --gold: #ffd166;
  --red: #ff6b6b;
  --border: rgba(255, 255, 255, 0.16);
  --shadow: 0 24px 80px rgba(0, 0, 0, 0.38);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(83, 230, 160, 0.18), transparent 30rem),
    radial-gradient(circle at 85% 10%, rgba(106, 168, 255, 0.18), transparent 28rem),
    linear-gradient(180deg, var(--bg), #0d1324 44%, #070b13);
  min-height: 100vh;
}

a { color: inherit; text-decoration: none; }
p { color: var(--muted); line-height: 1.65; }
.wrap { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(18px);
  background: rgba(8, 17, 31, 0.72);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.brand { display: inline-flex; gap: 10px; align-items: center; font-weight: 900; letter-spacing: -0.03em; font-size: 1.15rem; }
.brand-mark {
  width: 34px; height: 34px; border-radius: 12px;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--green), var(--blue));
  color: #06101e; font-weight: 1000;
  box-shadow: 0 10px 30px rgba(83, 230, 160, 0.25);
}
.nav-links { display: flex; gap: 24px; color: var(--muted); font-weight: 700; font-size: 0.95rem; }
.nav-links a:hover { color: var(--text); }

.hero { display: grid; grid-template-columns: minmax(0, 1.1fr) 420px; gap: 48px; align-items: center; padding: 86px 0 56px; }
.eyebrow { color: var(--green); text-transform: uppercase; letter-spacing: 0.16em; font-size: 0.78rem; font-weight: 900; margin: 0 0 12px; }
h1, h2, h3 { margin: 0; letter-spacing: -0.055em; line-height: 1.02; }
h1 { font-size: clamp(3.2rem, 8vw, 6.9rem); max-width: 780px; }
h1 span { color: transparent; background: linear-gradient(90deg, var(--green), var(--blue)); -webkit-background-clip: text; background-clip: text; }
h2 { font-size: clamp(2.1rem, 4vw, 4rem); }
h3 { font-size: 1.35rem; }
.lede { font-size: 1.22rem; max-width: 680px; }
.hero-actions, .region-picker { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin-top: 28px; }
.button {
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 13px 19px;
  font-weight: 900;
  cursor: pointer;
  transition: transform 0.18s ease, border-color 0.18s ease, background 0.18s ease;
  display: inline-flex; align-items: center; justify-content: center;
}
.button:hover { transform: translateY(-2px); }
.button.primary { background: linear-gradient(135deg, var(--green), var(--blue)); color: #06101e; border-color: transparent; }
.button.ghost { background: rgba(255, 255, 255, 0.06); color: var(--text); }
.button.ghost.active { border-color: var(--green); box-shadow: 0 0 0 4px rgba(83, 230, 160, 0.08); }
.trust-row { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 12px; }
.trust-row span { border: 1px solid var(--border); border-radius: 999px; padding: 8px 12px; color: var(--muted); background: rgba(255,255,255,0.05); }

.hero-card, .benefit-card, .chart-card, .controls, .wealthsimple, details, .ladder, .tfsa-card, .risk-card, .budget-card, .wealthsimple-promo {
  background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055));
  border: 1px solid var(--border);
  border-radius: 28px;
  box-shadow: var(--shadow);
}
.hero-card { position: relative; overflow: hidden; min-height: 430px; padding: 34px; display: flex; flex-direction: column; justify-content: flex-end; }
.card-glow { position: absolute; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(83,230,160,0.45), transparent 65%); top: -80px; right: -80px; }
.card-label { color: var(--gold); font-weight: 900; margin: 0 0 10px; }
.hero-card h2 { font-size: 3rem; }
.mini-bars { display: flex; gap: 12px; height: 120px; align-items: end; margin-top: 28px; }
.mini-bars span { flex: 1; border-radius: 12px 12px 4px 4px; background: linear-gradient(180deg, var(--green), var(--blue)); opacity: 0.88; }

.section { padding: 72px 0; }
.section-heading { margin-bottom: 28px; }
.section-heading.center { text-align: center; max-width: 760px; margin-left: auto; margin-right: auto; }
.wide { grid-column: 1 / -1; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.benefit-card { padding: 28px; box-shadow: none; }
.benefit-card.caution-card { border-color: rgba(255, 209, 102, 0.38); }
.benefit-card.danger-card { border-color: rgba(255, 107, 107, 0.42); }
.icon { font-size: 2.2rem; display: inline-block; margin-bottom: 16px; }

.timing-section { background: rgba(255,255,255,0.025); border-top: 1px solid var(--border); }
.timing-grid { display: grid; grid-template-columns: minmax(0, 1fr) 480px; gap: 36px; align-items: center; }
.source-note, .chart-note { font-size: 0.88rem; }
.source-note a { color: var(--green); text-decoration: underline; text-underline-offset: 3px; }
.risk-card { padding: 26px; box-shadow: none; }
.risk-card h3 { margin-bottom: 20px; }
.risk-row { display: grid; gap: 12px; margin-bottom: 22px; }
.risk-row strong, .risk-row small { display: block; }
.risk-row small { color: var(--muted); margin-top: 4px; }
.bar-pair { display: grid; gap: 10px; }
.bar {
  width: var(--w);
  min-width: 150px;
  border-radius: 999px;
  padding: 10px 12px;
  color: #06101e;
  font-weight: 1000;
  font-size: 0.88rem;
  box-shadow: inset 0 -10px 20px rgba(0,0,0,0.14);
}
.bar.lump { background: linear-gradient(90deg, var(--gold), #ff9f1c); }
.bar.lump.risk { background: linear-gradient(90deg, var(--red), #e85d5d); }
.bar.dca { background: linear-gradient(90deg, var(--green), var(--blue)); }
.chart-note { border-top: 1px solid var(--border); padding-top: 16px; margin-bottom: 0; }
.compare-table { margin-top: 18px; border: 1px solid var(--border); border-radius: 18px; overflow: hidden; }
.compare-row { display: grid; grid-template-columns: 120px 1fr 1fr; gap: 12px; padding: 10px 16px; font-size: 0.85rem; align-items: center; }
.compare-row:not(:last-child) { border-bottom: 1px solid var(--border); }
.compare-row.header { background: rgba(255,255,255,0.08); font-weight: 900; text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.75rem; color: var(--muted); }
.compare-row.header span:first-child { color: transparent; }
.compare-row span:first-child { color: var(--muted); font-weight: 700; }
.compare-row span:nth-child(2) { color: var(--green); }
.compare-row span:nth-child(3) { color: var(--gold); }
.stat strong span { font-size: 0.85rem; font-weight: 700; opacity: 0.8; margin-left: 4px; }

.calculator-section { background: rgba(255,255,255,0.035); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.calculator-layout { display: grid; grid-template-columns: 340px minmax(0, 1fr); gap: 22px; align-items: stretch; }
.controls { padding: 22px; box-shadow: none; }
.controls label { display: grid; gap: 8px; font-weight: 800; color: #d9e5f8; margin-bottom: 18px; }
.chart-assumptions { font-size: 0.85rem; color: var(--muted); margin-top: 10px; }
.derived-total {
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 14px;
  background: rgba(255,255,255,0.055);
  margin: 4px 0 16px;
}
.derived-total small, .derived-total span { display: block; color: var(--muted); font-weight: 800; }
.derived-total strong { display: block; color: var(--green); font-size: 1.45rem; margin: 4px 0; }
.derived-total span { font-size: 0.78rem; line-height: 1.45; }
.controls input, .controls select {
  width: 100%; accent-color: var(--green);
  border-radius: 12px; border: 1px solid var(--border);
  background: rgba(8,17,31,0.85); color: var(--text);
  padding: 10px;
}
.controls output { color: var(--green); font-weight: 900; }
.dip-editor {
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 14px;
  margin-bottom: 18px;
  background: rgba(255,255,255,0.055);
}
.dip-editor-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: start;
  margin-bottom: 14px;
}
.control-title { display: block; font-weight: 900; color: #d9e5f8; margin-bottom: 4px; }
.dip-editor-head small { color: var(--muted); line-height: 1.35; }
.button.compact { padding: 9px 12px; font-size: 0.8rem; white-space: nowrap; }
.dip-input-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.controls .dip-input-grid label { margin-bottom: 0; font-size: 0.86rem; }
.checkbox-label {
  display: flex !important;
  align-items: center;
  gap: 8px !important;
  align-self: end;
  padding: 10px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: rgba(8,17,31,0.55);
}
.checkbox-label input { width: auto; }
.dip-list { display: grid; gap: 8px; margin-top: 14px; }
.dip-pill {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 10px;
  background: rgba(8,17,31,0.55);
  color: var(--muted);
  font-size: 0.82rem;
  line-height: 1.35;
}
.dip-pill button {
  border: 0;
  border-radius: 999px;
  padding: 7px 10px;
  background: rgba(255,255,255,0.1);
  color: var(--text);
  cursor: pointer;
  font-weight: 800;
}
.empty-dips { margin: 0; font-size: 0.82rem; }
.chart-card { padding: 22px; min-height: 520px; }
#dcaChart { max-height: 390px; }
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 18px; }
.stat { border: 1px solid var(--border); border-radius: 18px; padding: 16px; background: rgba(255,255,255,0.055); }
.stat small { display: block; color: var(--muted); font-weight: 800; margin-bottom: 6px; }
.stat strong { font-size: 1.25rem; }
.stat.good strong { color: var(--green); }
.stat.warn strong { color: var(--gold); }
.daily-comparison {
  margin-top: 18px;
  padding: 16px 18px;
}
.daily-comparison p {
  margin: 10px 0 14px;
  font-size: 0.9rem;
}
.daily-table-wrap {
  max-height: 430px;
  overflow-y: auto;
  overflow-x: hidden;
  border: 1px solid var(--border);
  border-radius: 18px;
  max-width: 100%;
}
.daily-table-wrap table {
  width: 100%;
  border-collapse: collapse;
  table-layout: fixed;
  font-size: 0.78rem;
}
.daily-table-wrap th, .daily-table-wrap td {
  padding: 8px 6px;
  text-align: right;
  border-bottom: 1px solid rgba(255,255,255,0.09);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.daily-table-wrap th:first-child, .daily-table-wrap td:first-child { text-align: left; width: 48px; }
.daily-table-wrap thead th {
  position: sticky;
  top: 0;
  z-index: 1;
  background: #152036;
  color: var(--green);
}
.daily-table-wrap tbody tr:nth-child(even) { background: rgba(255,255,255,0.035); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: center; }
.ladder { padding: 16px; box-shadow: none; }
.ladder div { display: flex; justify-content: space-between; gap: 16px; padding: 16px; border-bottom: 1px solid var(--border); }
.ladder div:last-child { border-bottom: 0; }
.ladder div:first-child { color: var(--muted); text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.78rem; }
.ladder strong { color: var(--green); }

.budget-section { padding-top: 36px; }
.budget-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.budget-card { padding: 24px; box-shadow: none; }
.budget-card p { margin-bottom: 0; }
.wealthsimple-promo {
  margin-top: 22px;
  padding: 24px;
  display: grid;
  grid-template-columns: 190px minmax(0, 1fr) 210px;
  gap: 20px;
  align-items: center;
  box-shadow: none;
}
.wealthsimple-logo-lockup {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--text);
  font-size: 1.3rem;
  font-weight: 900;
  text-transform: lowercase;
}
.wealthsimple-badge {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: #fff;
  color: #111827;
  font-weight: 1000;
  font-size: 1.1rem;
}
.wealthsimple-promo-copy h3 { margin-bottom: 8px; }
.wealthsimple-promo-copy p { margin: 0; }
.wealthsimple-promo-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
}
.wealthsimple-promo-actions .button {
  white-space: nowrap;
}

.means-section { background: rgba(255,255,255,0.025); border-top: 1px solid var(--border); padding-bottom: 84px; }
.means-cards { display: grid; gap: 16px; }
.means-card { border: 1px solid var(--border); border-radius: 24px; padding: 22px; background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055)); }
.means-card .icon { font-size: 1.8rem; margin-bottom: 10px; }
.means-card h3 { margin-bottom: 8px; font-size: 1.1rem; }
.means-card p { margin: 0; }

.ticker-section { background: rgba(255,255,255,0.035); }
.region-picker { justify-content: center; }
.location-note { text-align: center; margin-top: 14px; }
.ticker-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 28px; }
.ticker-card { border: 1px solid var(--border); background: rgba(255,255,255,0.07); border-radius: 24px; padding: 22px; }
.ticker-card .ticker, .etf-cell .ticker { display: inline-flex; border-radius: 999px; background: rgba(83,230,160,0.13); color: var(--green); padding: 7px 11px; font-weight: 1000; margin-bottom: 14px; }
.ticker-card p { margin-bottom: 0; }
.etf-matrix {
  display: grid;
  grid-template-columns: 140px minmax(0, 1fr) minmax(0, 1fr);
  gap: 12px;
  margin-top: 28px;
  align-items: stretch;
}
.etf-matrix-header, .market-label, .etf-cell {
  border: 1px solid var(--border);
  background: rgba(255,255,255,0.07);
  border-radius: 22px;
  padding: 18px;
}
.etf-matrix-header {
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 0.78rem;
  font-weight: 900;
}
.market-label {
  display: flex;
  align-items: center;
  color: var(--text);
  font-weight: 1000;
  font-size: 1.05rem;
}
.etf-cell h3 { font-size: 1.05rem; margin-bottom: 8px; }
.etf-cell p { margin: 0; }
.etf-cell.cap { background: rgba(106,168,255,0.09); }
.etf-cell.growth { background: rgba(83,230,160,0.09); }
.wealthsimple { margin-top: 24px; padding: 24px; display: flex; justify-content: space-between; gap: 24px; align-items: center; box-shadow: none; }
.wealthsimple h3 { margin-bottom: 8px; }
.wealthsimple .tip { color: var(--text); font-weight: 800; margin-top: 12px; }
.wealthsimple-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }

.tfsa-section { align-items: stretch; }
.tfsa-card { padding: 28px; box-shadow: none; }
.tfsa-card h3 { margin-bottom: 10px; }
.calculator-note { margin-top: 8px; }
.tfsa-form { display: grid; gap: 14px; margin-top: 20px; }
.tfsa-form label { display: grid; gap: 8px; font-weight: 800; color: #d9e5f8; }
.tfsa-form input {
  width: 100%;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: rgba(8,17,31,0.85);
  color: var(--text);
  padding: 12px;
}
.tfsa-result { display: grid; grid-template-columns: 1fr; gap: 12px; margin-top: 18px; }
.tfsa-result p { margin: 0; }

.faq { max-width: 900px; }
details { box-shadow: none; padding: 20px 24px; margin-bottom: 14px; }
summary { cursor: pointer; font-weight: 900; font-size: 1.1rem; }
.withdraw-section { background: rgba(255,255,255,0.025); border-top: 1px solid var(--border); }
.withdraw-pillars { display: grid; grid-template-columns: 1fr; gap: 16px; }
.pillar { border: 1px solid var(--border); border-radius: 24px; padding: 22px; background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055)); }
.pillar .icon { font-size: 1.8rem; margin-bottom: 10px; }
.pillar h3 { margin-bottom: 8px; font-size: 1.1rem; }
.pillar p { margin: 0; }
.footer { border-top: 1px solid var(--border); padding: 40px 0; background: rgba(0,0,0,0.2); }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }

@media (max-width: 920px) {
  .hero, .calculator-layout, .split, .footer-grid, .timing-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 56px; }
  .hero-card { min-height: 320px; }
  .grid-3, .ticker-grid, .stats, .budget-grid, .wealthsimple-promo, .etf-matrix, .dip-input-grid { grid-template-columns: 1fr; }
  .etf-matrix-header { display: none; }
  .market-label { justify-content: center; }
  .nav-links { display: none; }
  .wealthsimple { align-items: stretch; flex-direction: column; }
  .wealthsimple-actions { justify-content: flex-start; }
  .wealthsimple-promo-actions { align-items: stretch; }
}