/* ---------- ROOT VARIABLES & RESET ---------- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', sans-serif;
    background-color: #f9fcff;
    color: #14273e;
    line-height: 1.5;
}

/* smartmoney99 brand colours – deep navy, mint accent, gold for premium */
:root {
    --primary: #0b2f4e;
    /* deep navy – trust & stability */
    --primary-light: #1f4a6e;
    --accent: #00b8a9;
    /* fresh mint – growth, INR feel */
    --accent-soft: #d4f2f0;
    --gold: #ffb347;
    /* warm gold for premium plans */
    --white: #ffffff;
    --offwhite: #f8fafd;
    --gray-light: #eef2f6;
    --text-dark: #14273e;
    --text-soft: #2c3e50;
    --shadow-sm: 0 12px 28px -8px rgba(0, 32, 64, 0.08);
    --shadow-hover: 0 20px 32px -10px rgba(0, 110, 130, 0.14);
    --border-radius: 24px;
    --border-radius-sm: 16px;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

img,
svg {
    vertical-align: middle;
}

.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ---------- TYPOGRAPHY & UTILITY ---------- */
h1,
h2,
h3,
h4 {
    font-weight: 700;
    letter-spacing: -0.02em;
}

h2 {
    font-size: 2.2rem;
    margin-bottom: 1rem;
}

@media (max-width: 768px) {
    h2 {
        font-size: 1.9rem;
    }
}

.section-padding {
    padding: 80px 0;
}

@media (max-width: 768px) {
    .section-padding {
        padding: 56px 0;
    }
}

.badge {
    display: inline-block;
    background: var(--accent-soft);
    color: var(--primary);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 0.4rem 1rem;
    border-radius: 40px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    border: 1px solid rgba(0, 184, 169, 0.2);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--primary);
    color: white;
    font-weight: 600;
    padding: 0.9rem 2rem;
    border-radius: 50px;
    border: none;
    cursor: pointer;
    transition: 0.2s ease;
    font-size: 1rem;
    border: 1px solid transparent;
}

.btn i {
    font-size: 0.9rem;
}

.btn:hover {
    background: var(--primary-light);
    transform: translateY(-3px);
    box-shadow: var(--shadow-hover);
}

.btn-outline {
    background: transparent;
    border: 1.5px solid var(--primary);
    color: var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: white;
}

/* ---------- HEADER / NAVBAR ---------- */
header {
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.02);
    position: sticky;
    top: 0;
    z-index: 999;
}

.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.03em;
}

.logo i {
    color: var(--accent);
    font-size: 2rem;
}

.logo span {
    background: linear-gradient(145deg, var(--primary) 20%, #0a4b6e);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.logo .dot {
    color: var(--accent);
    -webkit-text-fill-color: var(--accent);
    font-size: 2rem;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    font-weight: 600;
    color: var(--text-soft);
}

.nav-links a {
    position: relative;
    padding: 6px 0;
}

.nav-links a.active {
    color: var(--primary);
    font-weight: 700;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0%;
    height: 2.5px;
    background: var(--accent);
    transition: 0.2s;
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.hamburger {
    display: none;
    font-size: 1.8rem;
    color: var(--primary);
    cursor: pointer;
}

/* ---------- MOBILE NAV ---------- */
@media (max-width: 880px) {
    .hamburger {
        display: block;
    }

    .nav-links {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: white;
        padding: 24px 0 32px;
        box-shadow: 0 20px 24px -8px rgba(0, 0, 0, 0.04);
        border-bottom: 2px solid var(--accent-soft);
        gap: 20px;
        z-index: 99;
    }

    .nav-links.active {
        display: flex;
    }

    .container {
        padding: 0 20px;
    }
}

/* ---------- HERO SECTION ---------- */
.hero {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 40px;
    padding: 40px 0 20px;
}

.hero-content {
    flex: 1 1 45%;
}

.hero-content .badge {
    margin-bottom: 20px;
}

.hero-content h1 {
    font-size: 3.2rem;
    font-weight: 800;
    line-height: 1.2;
    color: var(--primary);
    margin-bottom: 24px;
}

.hero-content h1 i {
    color: var(--accent);
    font-size: 3rem;
}

.hero-desc {
    font-size: 1.2rem;
    color: #2a4058;
    margin-bottom: 32px;
    max-width: 550px;
}

.hero-btns {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-visual {
    flex: 1 1 40%;
    background: linear-gradient(145deg, #e7f3f0, #d4ece9);
    padding: 32px 24px;
    border-radius: var(--border-radius);
    text-align: center;
    box-shadow: var(--shadow-sm);
    position: relative;
}

.hero-visual i {
    font-size: 3.8rem;
    color: var(--primary);
    background: white;
    padding: 20px;
    border-radius: 60px;
    box-shadow: 0 10px 18px rgba(0, 0, 0, 0.02);
}

.hero-visual h3 {
    font-size: 2.2rem;
    margin-top: 16px;
    color: var(--primary);
}

.hero-visual p {
    font-size: 1.1rem;
}

.inr-big {
    font-size: 2.5rem;
    font-weight: 800;
    color: #0b4b3a;
}

@media (max-width: 880px) {
    .hero {
        flex-direction: column;
    }

    .hero-content h1 {
        font-size: 2.6rem;
    }
}

/* ---------- INR PLANS SECTION (core) ---------- */
.plans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 40px;
}

.plan-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 36px 24px 32px;
    box-shadow: var(--shadow-sm);
    transition: all 0.25s;
    border: 1px solid rgba(0, 184, 169, 0.08);
    position: relative;
    display: flex;
    flex-direction: column;
}

.plan-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-hover);
    border-color: var(--accent);
}

.popular {
    border: 2px solid var(--gold);
    background: #fffcf2;
}

.popular-badge {
    position: absolute;
    top: -12px;
    left: 24px;
    background: var(--gold);
    color: #1e3a4e;
    font-size: 0.8rem;
    font-weight: 700;
    padding: 6px 18px;
    border-radius: 40px;
    letter-spacing: 0.4px;
    box-shadow: 0 6px 10px rgba(255, 180, 70, 0.2);
}

.plan-name {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.plan-price {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--primary);
    margin: 16px 0 8px;
}

.plan-price span {
    font-size: 1rem;
    font-weight: 500;
    color: #4a667b;
}

.plan-features {
    margin: 24px 0 28px;
    flex-grow: 1;
}

.plan-features li {
    padding: 8px 0;
    display: flex;
    gap: 10px;
    align-items: center;
    border-bottom: 1px dashed #e2eef2;
}

.plan-features i {
    color: var(--accent);
    width: 20px;
}

.plan-card .btn {
    width: 100%;
}

@media (max-width: 992px) {
    .plans-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 640px) {
    .plans-grid {
        grid-template-columns: 1fr;
    }
}

/* ---------- WHY SMARTMONEY99 (features) ---------- */
.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.feature-item {
    background: white;
    padding: 32px 18px;
    border-radius: var(--border-radius-sm);
    text-align: center;
    box-shadow: var(--shadow-sm);
}

.feature-item i {
    font-size: 2.4rem;
    color: var(--accent);
    background: #e0f2ef;
    padding: 16px;
    border-radius: 50%;
    margin-bottom: 20px;
}

.feature-item h4 {
    font-size: 1.3rem;
    margin-bottom: 8px;
}

@media (max-width: 880px) {
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 480px) {
    .features-grid {
        grid-template-columns: 1fr;
    }
}

/* ---------- INR RETURN CALCULATOR (JS) ---------- */
.calculator {
    background: linear-gradient(120deg, #ffffff, #f6fbfc);
    border-radius: var(--border-radius);
    padding: 48px 40px;
    margin-top: 40px;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(0, 184, 169, 0.2);
}

.calc-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 40px;
    align-items: center;
}

.calc-form {
    flex: 1 1 45%;
}

.calc-preview {
    flex: 1 1 40%;
    background: var(--primary);
    color: white;
    padding: 36px 28px;
    border-radius: 32px;
    text-align: center;
}

.input-group {
    margin-bottom: 24px;
}

.input-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--text-dark);
}

.input-group input {
    width: 100%;
    padding: 16px 20px;
    border: 1px solid #ccdce5;
    border-radius: 60px;
    font-size: 1.1rem;
    font-family: 'Inter', sans-serif;
    transition: 0.2s;
}

.input-group input:focus {
    border-color: var(--accent);
    outline: none;
    box-shadow: 0 0 0 3px rgba(0, 184, 169, 0.2);
}

.calc-preview h4 {
    font-size: 1.4rem;
    font-weight: 500;
    margin-bottom: 20px;
    color: #b9f3ef;
}

.calc-preview .final-value {
    font-size: 3rem;
    font-weight: 800;
    margin: 16px 0;
    word-break: break-word;
}

.calc-preview i {
    color: var(--gold);
    margin-right: 6px;
}

@media (max-width: 880px) {
    .calc-grid {
        flex-direction: column;
    }

    .calculator {
        padding: 32px 20px;
    }
}

/* ---------- CTA & FOOTER ---------- */
.cta-section {
    background: var(--primary);
    border-radius: 36px;
    padding: 60px 40px;
    color: white;
    text-align: center;
}

.cta-section h2 {
    color: white;
    margin-bottom: 16px;
}

.cta-section .btn {
    background: white;
    color: var(--primary);
    margin-top: 24px;
}

footer {
    background: #0b1e2c;
    color: #aec0cf;
    padding: 48px 0 32px;
    margin-top: 60px;
}

.footer-content {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 40px;
}

.footer-logo {
    font-size: 2rem;
    font-weight: 700;
    color: white;
}

.footer-links {
    display: flex;
    gap: 64px;
    flex-wrap: wrap;
}

.footer-col p {
    font-weight: 600;
    color: white;
    margin-bottom: 16px;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col a:hover {
    color: var(--accent);
}

.copyright {
    text-align: center;
    margin-top: 56px;
    padding-top: 28px;
    border-top: 1px solid #1f405a;
    color: #8ea3b4;
}

@media (max-width: 640px) {
    .footer-content {
        flex-direction: column;
        gap: 32px;
    }
}