: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; }
.mini-bars .opportunity-bar { background: linear-gradient(180deg, #7cffbd, var(--green)); box-shadow: 0 0 0 4px rgba(83, 230, 160, 0.14), 0 0 30px rgba(83, 230, 160, 0.52); opacity: 1; }

.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; min-height: 44px; }
.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;
  min-height: 44px;
  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-button { appearance: none; width: 100%; text-align: left; color: var(--text); cursor: pointer; font: inherit; transition: transform .18s ease, border-color .18s ease, background .18s ease; }
.stat-button:hover { transform: translateY(-2px); border-color: rgba(83,230,160,0.45); }
.stat-button.selected { border-color: rgba(83,230,160,0.65); background: rgba(83,230,160,0.10); }
.stat small { display: block; color: var(--muted); font-weight: 800; margin-bottom: 6px; }
.stat strong { font-size: 1.25rem; }
.stat .benchmark-label { color: var(--muted); font-size: 0.85rem; font-weight: 800; opacity: 1; }
.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); }

.compounding-section {
  background:
    radial-gradient(circle at 15% 0%, rgba(255, 209, 102, 0.12), transparent 26rem),
    rgba(255,255,255,0.025);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.compounding-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.compound-stage {
  border: 1px solid var(--border);
  border-radius: 28px;
  padding: 24px;
  display: grid;
  grid-template-columns: 72px minmax(0, 1fr);
  gap: 18px;
  align-items: start;
  background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055));
}
.stage-number {
  width: 72px;
  height: 72px;
  border-radius: 22px;
  display: grid;
  place-items: center;
  font-size: 2.4rem;
  font-weight: 1000;
  color: #06101e;
  background: linear-gradient(135deg, var(--gold), var(--green));
}
.stage-label {
  color: var(--green);
  font-weight: 900;
  margin: 0 0 8px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
}
.compound-stage h3 { font-size: 1.15rem; margin-bottom: 10px; }
.compound-stage p:last-child { margin-bottom: 0; }
.stage-four .stage-number { background: linear-gradient(135deg, var(--green), var(--blue)); }
.stage-three .stage-number { background: linear-gradient(135deg, var(--blue), var(--gold)); }
.rule-72-card {
  margin-top: 20px;
  border: 1px solid var(--border);
  border-radius: 28px;
  padding: 26px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 22px;
  align-items: center;
  background: rgba(255,255,255,0.07);
}
.rule-72-card h3 { margin-bottom: 10px; }
.rule-formula {
  border: 1px solid rgba(83, 230, 160, 0.35);
  border-radius: 22px;
  padding: 18px;
  text-align: center;
  background: rgba(83,230,160,0.1);
}
.rule-formula span, .rule-formula strong { display: block; }
.rule-formula span { color: var(--gold); font-size: 1.2rem; font-weight: 1000; }
.rule-formula strong { margin-top: 8px; color: var(--green); font-size: 1.05rem; }
.rule-example { grid-column: 1 / -1; margin: 0; }
.compounding-note { margin: 18px auto 0; max-width: 920px; text-align: center; }

.compound-calculator {
  margin-top: 22px;
  border: 1px solid var(--border);
  border-radius: 28px;
  padding: 26px;
  background: linear-gradient(180deg, rgba(106,168,255,0.11), rgba(255,255,255,0.055));
}
.compound-calc-copy { max-width: 760px; margin-bottom: 18px; }
.compound-calc-copy h3 { margin-bottom: 10px; }
.compound-form { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; }
.compound-form label { display: grid; gap: 8px; color: #d9e5f8; font-weight: 800; font-size: 0.9rem; }
.compound-form input, .compound-form select {
  width: 100%;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: rgba(8,17,31,0.85);
  color: var(--text);
  padding: 11px;
}
.compound-results { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-top: 18px; }
.compound-result-card { border: 1px solid var(--border); border-radius: 18px; padding: 16px; background: rgba(255,255,255,0.055); }
.compound-result-card small { display: block; color: var(--muted); font-weight: 800; margin-bottom: 6px; }
.compound-result-card strong { color: var(--green); font-size: 1.25rem; }
.compound-result-card.growth strong { color: var(--gold); }

.crossover-section {
  margin-top: 22px;
  border: 1px solid var(--border);
  border-radius: 28px;
  padding: 26px;
  background: linear-gradient(180deg, rgba(83,230,160,0.1), rgba(255,255,255,0.055));
}
.crossover-copy { max-width: 900px; margin-bottom: 18px; }
.crossover-copy h3 { margin-bottom: 10px; }
.crossover-layout { display: grid; grid-template-columns: 330px minmax(0, 1fr); gap: 18px; align-items: stretch; }
.crossover-form { display: grid; gap: 12px; align-content: start; }
.crossover-form label { display: grid; gap: 8px; color: #d9e5f8; font-weight: 800; font-size: 0.9rem; }
.crossover-form input {
  width: 100%;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: rgba(8,17,31,0.85);
  color: var(--text);
  padding: 11px;
}
.crossover-card { border: 1px solid var(--border); border-radius: 22px; padding: 16px; background: rgba(8,17,31,0.42); min-height: 360px; }
#crossoverChart { max-height: 330px; }
.crossover-results { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; margin-top: 18px; }
.crossover-result-card { border: 1px solid var(--border); border-radius: 18px; padding: 16px; background: rgba(255,255,255,0.055); }
.crossover-result-card small { display: block; color: var(--muted); font-weight: 800; margin-bottom: 6px; }
.crossover-result-card strong { display: block; color: var(--green); font-size: 1.14rem; }
.crossover-result-card.coast strong { color: var(--gold); }
.crossover-result-card p { margin: 8px 0 0; font-size: 0.82rem; line-height: 1.4; }



.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;
}

/* Wealthsimple step-by-step guide */
.wealthsimple-guide-section {
  background: rgba(255,255,255,0.025);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.wealthsimple-guide-section .wealthsimple-promo.referral-promo {
  margin-bottom: 36px;
}
.ws-steps {
  display: grid;
  gap: 20px;
}
.ws-step {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr);
  gap: 20px;
  align-items: start;
  border: 1px solid var(--border);
  border-radius: 24px;
  padding: 22px;
  background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055));
}
.ws-step-num {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--green), var(--blue));
  color: #06101e;
  font-weight: 1000;
  font-size: 1.35rem;
  flex-shrink: 0;
}
.ws-step-body h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}
.ws-step-body p {
  margin-bottom: 14px;
}
.ws-step-body .button {
  display: inline-flex;
}
.ws-step-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin-bottom: 10px;
}
.ws-referral-note {
  margin: 8px 0 0;
  font-size: 0.85rem;
  color: var(--green);
}
.ws-step-referral {
  border-color: rgba(83, 230, 160, 0.35);
}

.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, .compounding-grid, .rule-72-card, .compound-form, .compound-results, .crossover-layout, .crossover-results, .foundation-layout, .foundation-grid, .risk-spectrum-row { grid-template-columns: 1fr; }
  .etf-matrix-header { display: none; }
  .market-label { justify-content: center; }
  .rule-example { grid-column: auto; }
  .nav-links { display: none; }
  .wealthsimple { align-items: stretch; flex-direction: column; }
  .wealthsimple-actions { justify-content: flex-start; }
  .wealthsimple-promo-actions { align-items: stretch; }
}

.foundation-section { background: rgba(255,255,255,0.025); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.foundation-layout { display: grid; grid-template-columns: 320px minmax(0, 1fr); gap: 24px; align-items: center; }
.foundation-illustration { width: 100%; max-width: 320px; justify-self: center; filter: drop-shadow(0 24px 50px rgba(0,0,0,0.3)); }
.foundation-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.foundation-card { border: 1px solid var(--border); border-radius: 22px; padding: 20px; background: linear-gradient(180deg, var(--panel-2), rgba(255,255,255,0.055)); }
.foundation-card .icon { font-size: 1.7rem; margin-bottom: 10px; }
.foundation-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.foundation-card p { margin: 0; }
.risk-spectrum { border: 1px solid var(--border); border-radius: 24px; overflow: hidden; background: rgba(255,255,255,0.055); }
.risk-spectrum-row { display: grid; grid-template-columns: 210px minmax(0, 0.9fr) minmax(0, 1.2fr); gap: 14px; align-items: center; padding: 14px 18px; border-bottom: 1px solid var(--border); }
.risk-spectrum-row:last-child { border-bottom: 0; }
.risk-spectrum-row.header { color: var(--muted); text-transform: uppercase; letter-spacing: 0.08em; font-weight: 900; font-size: 0.78rem; background: rgba(255,255,255,0.08); }
.risk-spectrum-row span { color: var(--muted); font-weight: 800; }
.risk-spectrum-row strong { color: var(--green); }
.risk-spectrum-row p { margin: 0; }
.center-note { text-align: center; max-width: 900px; margin: 18px auto 0; }
.dip-actions { display: flex; gap: 8px; flex-wrap: wrap; justify-content: flex-end; }
.etf-risk-note { max-width: 900px; margin-left: auto; margin-right: auto; }


/* Mobile-first hardening pass: keep late-added sections responsive. */
img, svg, canvas { max-width: 100%; }
button, input, select, textarea { font: inherit; }
input, select { min-height: 44px; }

@media (max-width: 920px) {
  .foundation-layout,
  .foundation-grid,
  .risk-spectrum-row,
  .crossover-layout,
  .crossover-results,
  .compound-form,
  .compound-results,
  .compounding-grid,
  .rule-72-card {
    grid-template-columns: 1fr;
  }

  .foundation-illustration {
    max-width: min(280px, 78vw);
    order: -1;
  }

  .risk-spectrum-row.header {
    display: none;
  }

  .risk-spectrum-row {
    align-items: start;
  }

  .risk-card-grid {
    grid-template-columns: 1fr;
  }

  .risk-spectrum-row span,
  .risk-spectrum-row strong,
  .risk-spectrum-row p {
    display: block;
  }

  .crossover-card,
  .chart-card {
    min-height: 0;
  }

  #dcaChart,
  #crossoverChart {
    max-height: 300px;
  }
}

@media (max-width: 680px) {
  .wrap {
    width: min(100% - 28px, 1160px);
  }

  .site-header {
    position: static;
  }

  .nav {
    padding: 12px 0;
  }

  .brand {
    font-size: 1rem;
  }

  .brand-mark {
    width: 30px;
    height: 30px;
    border-radius: 10px;
  }

  .hero {
    gap: 24px;
    padding: 42px 0 34px;
  }

  h1 {
    font-size: clamp(2.55rem, 15vw, 4.25rem);
  }

  h2 {
    font-size: clamp(1.85rem, 10vw, 2.65rem);
  }

  h3 {
    font-size: 1.18rem;
  }

  .lede {
    font-size: 1.05rem;
  }

  .section {
    padding: 48px 0;
  }

  .hero-actions,
  .region-picker,
  .wealthsimple-actions,
  .ws-step-actions {
    align-items: stretch;
    width: 100%;
  }

  .hero-actions .button,
  .region-picker .button,
  .wealthsimple-actions .button,
  .ws-step-actions .button,
  .wealthsimple-promo-actions .button {
    width: 100%;
  }

  .button {
    min-height: 44px;
    padding: 12px 16px;
    text-align: center;
  }

  .trust-row span {
    font-size: 0.88rem;
  }

  .hero-card {
    min-height: 280px;
    padding: 24px;
    border-radius: 24px;
  }

  .card-glow {
    width: 210px;
    height: 210px;
    top: -70px;
    right: -70px;
  }

  .hero-card h2 {
    font-size: 2.2rem;
  }

  .benefit-card,
  .chart-card,
  .controls,
  .compound-calculator,
  .crossover-section,
  .tfsa-card,
  .budget-card,
  .wealthsimple,
  .wealthsimple-promo,
  .risk-card,
  details,
  .foundation-card,
  .pillar,
  .means-card {
    border-radius: 22px;
    padding: 20px;
  }

  .calculator-layout,
  .timing-grid,
  .split,
  .wealthsimple-promo,
  .ws-step,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .dip-editor-head,
  .dip-pill,
  .wealthsimple {
    flex-direction: column;
    align-items: stretch;
  }

  .dip-actions {
    justify-content: stretch;
  }

  .dip-actions .button {
    flex: 1 1 140px;
  }

  .compare-row {
    grid-template-columns: 1fr;
    gap: 6px;
  }

  .compare-row.header {
    display: none;
  }

  .bar {
    min-width: 0;
    width: 100% !important;
  }

  .daily-table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }

  .daily-table-wrap table {
    min-width: 560px;
  }

  .daily-table-wrap th,
  .daily-table-wrap td {
    white-space: nowrap;
  }

  .etf-matrix {
    display: block;
  }

  .market-label,
  .etf-cell {
    margin-bottom: 12px;
  }

  .market-label {
    justify-content: flex-start;
    background: rgba(83,230,160,0.12);
  }

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

  .compound-stage {
    grid-template-columns: 56px minmax(0, 1fr);
    gap: 14px;
  }

  .stage-number {
    width: 56px;
    height: 56px;
    border-radius: 18px;
    font-size: 1.9rem;
  }

  .compound-result-card strong,
  .crossover-result-card strong,
  .stat strong {
    font-size: 1.08rem;
    overflow-wrap: anywhere;
  }

  .crossover-card {
    padding: 12px;
  }

  #dcaChart,
  #crossoverChart {
    max-height: 260px;
  }

  .footer-grid {
    gap: 14px;
  }
}

@media (max-width: 420px) {
  .wrap {
    width: min(100% - 22px, 1160px);
  }

  h1 {
    font-size: clamp(2.3rem, 15vw, 3.4rem);
  }

  .eyebrow {
    font-size: 0.75rem;
    letter-spacing: 0.12em;
  }

  .mini-bars {
    height: 86px;
    gap: 8px;
  }

  .stats,
  .tfsa-result,
  .compound-results,
  .crossover-results {
    grid-template-columns: 1fr;
  }

  .daily-table-wrap table {
    min-width: 520px;
    font-size: 0.74rem;
  }

  .wealthsimple-logo-lockup {
    font-size: 1.05rem;
  }
}

.microcopy { color: var(--green); font-weight: 900; margin-top: 10px; }
.lede-support { margin-top: -4px; }
.model-details { margin-top: 12px; padding: 14px 16px; border: 1px solid var(--border); border-radius: 18px; background: rgba(255,255,255,0.055); }
.model-details summary, .dip-editor summary { cursor: pointer; font-weight: 900; color: var(--text); }
.dip-editor summary { margin-bottom: 12px; }
.referral-label { display: inline-flex; align-items: center; justify-content: center; color: var(--green); font-size: 0.78rem; font-weight: 900; text-transform: uppercase; letter-spacing: 0.08em; }
.risk-card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; border: 0; background: transparent; }
.risk-card-grid .risk-spectrum-row { grid-template-columns: 1fr; border: 1px solid var(--border); border-radius: 22px; background: rgba(255,255,255,0.07); }
.footer-disclosure ul { margin: 12px 0 0; padding-left: 20px; color: var(--muted); line-height: 1.55; }
.footer-disclosure li + li { margin-top: 6px; }

.crossover-result-card.income strong { color: var(--green); }

.scenario-picker { border: 1px solid var(--border); border-radius: 18px; padding: 14px; background: rgba(255,255,255,0.055); margin-bottom: 16px; }
.scenario-buttons { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.section-footnote { margin-top: 18px; border: 1px solid var(--border); border-radius: 18px; padding: 14px 16px; background: rgba(255,255,255,0.045); }
.section-footnote summary { cursor: pointer; color: var(--green); font-weight: 900; }
.section-footnote p { margin-bottom: 0; }
.income-target-section { margin-top: 22px; border: 1px solid var(--border); border-radius: 28px; padding: 26px; background: linear-gradient(180deg, rgba(83,230,160,0.1), rgba(255,255,255,0.055)); }


.journey-section { padding-top: 36px; }
.journey-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.journey-card { display: block; padding: 24px; border: 1px solid var(--border); border-radius: 22px; background: rgba(255,255,255,0.055); color: var(--text); text-decoration: none; box-shadow: var(--shadow); transition: transform .18s ease, border-color .18s ease, background .18s ease; }
.journey-card:hover { transform: translateY(-2px); border-color: rgba(83,230,160,0.45); background: rgba(83,230,160,0.08); }
.journey-card span { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 999px; background: linear-gradient(135deg, var(--green), var(--blue)); color: #07111f; font-weight: 900; margin-bottom: 14px; }
.journey-card strong { display: block; font-size: 1.25rem; margin-bottom: 8px; }
.journey-card p { margin: 0; color: var(--muted); }
.section-footnote { margin-top: 22px; padding: 14px 16px; border: 1px solid rgba(255,255,255,0.12); border-radius: 16px; background: rgba(255,255,255,0.035); color: var(--muted); }
.section-footnote summary { cursor: pointer; color: var(--text); font-weight: 800; }
.section-footnote p { margin: 10px 0 0; }
.scenario-picker { display: grid; gap: 12px; }
.scenario-buttons { display: flex; flex-wrap: wrap; gap: 8px; }
.scenario-buttons .button.active { background: rgba(83, 230, 160, 0.18); border-color: rgba(83, 230, 160, 0.55); color: var(--green); }
@media (max-width: 820px) { .journey-grid { grid-template-columns: 1fr; } .journey-card { padding: 20px; } }