* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background-color: #F2F2F2;
  color: #1A1A1A;
  overflow-x: hidden;
}

.page {
  padding: 32px 20px 60px 20px;
}

.topbar {
  background-color: #14213D;
  padding: 14px 24px;
}

.topbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 36px;
  flex-wrap: wrap;
}

.topbar-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.topbar-logo-img {
  height: 30px;
  width: 30px;
  display: block;
  border-radius: 6px;
}

.topbar-logo-text {
  color: #FFFFFF;
  font-weight: bold;
  font-size: 17px;
}

.topbar-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}

.topbar-link {
  color: #C9D3E0;
  text-decoration: none;
  font-size: 14px;
  font-weight: bold;
}

.topbar-link:hover {
  color: #FFFFFF;
}

.dropdown {
  position: relative;
}

.dropdown-toggle {
  background: none;
  border: none;
  color: #C9D3E0;
  font-size: 14px;
  font-weight: bold;
  font-family: inherit;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 0;
}

.dropdown-toggle:hover {
  color: #FFFFFF;
}

.dropdown .caret {
  font-size: 11px;
  transition: transform 0.15s ease;
}

.dropdown.open .caret {
  transform: rotate(180deg);
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 14px);
  left: 0;
  background-color: #FFFFFF;
  border-radius: 8px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
  padding: 8px;
  min-width: 220px;
  z-index: 20;
}

.dropdown.open .dropdown-menu {
  display: block;
}

.dropdown-menu a {
  display: block;
  padding: 9px 12px;
  color: #1F3864;
  font-size: 14px;
  font-weight: bold;
  text-decoration: none;
  border-radius: 6px;
  white-space: nowrap;
}

.dropdown-menu a:hover {
  background-color: #F2F5FB;
}

.topbar-right {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-left: auto;
}

.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background-color: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #D9E1F2;
  font-size: 12.5px;
  font-weight: bold;
  padding: 6px 12px;
  border-radius: 20px;
  white-space: nowrap;
}

.badge-check {
  color: #22C55E;
}

.topbar-cart {
  color: #C9D3E0;
  display: flex;
  align-items: center;
}

@media (max-width: 720px) {
  .topbar-badge {
    display: none;
  }
}

@media (max-width: 560px) {
  .topbar-link {
    display: none;
  }
}

.hero {
  background-color: #1F3864;
  padding: 48px 24px 68px 24px;
}

.hero-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 48px;
}

.hero-eyebrow {
  margin: 0 0 12px 0;
  font-size: 12.5px;
  font-weight: bold;
  letter-spacing: 0.5px;
  color: #FFC000;
}

h1 {
  color: #FFFFFF;
  font-size: 32px;
  line-height: 1.25;
  margin: 0 0 14px 0;
}

.subtitle {
  color: #D9E1F2;
  font-size: 16px;
  line-height: 1.55;
  margin: 0 0 24px 0;
  max-width: 480px;
}

.hero-cta {
  font-size: 15px;
  padding: 14px 24px;
}

.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  margin: 16px 0 0 0;
}

.hero-trust-row span {
  color: #D9E1F2;
  font-size: 13px;
  font-weight: bold;
}

.hero-secondary-link {
  display: inline-block;
  margin-top: 18px;
  color: #D9E1F2;
  font-size: 14px;
  font-weight: bold;
  text-decoration: underline;
}

.hero-secondary-link:hover {
  color: #FFFFFF;
}

.hero-visual {
  display: flex;
  justify-content: center;
}

.hero-stack {
  position: relative;
  width: 100%;
  max-width: 440px;
  padding: 34px 10px 76px 20px;
}

.hero-stack-img {
  position: absolute;
  z-index: 1;
  pointer-events: none;
  user-select: none;
}

.hero-stack-img-1 {
  width: 110%;
  top: 150px;
  left: -30px;
  transform: rotate(-4deg);
}

.hero-stack-img-2 {
  top: 46px;
  left: auto;
  right: -34px;
  width: 88%;
  transform: rotate(6deg);
  z-index: 0;
}

.hero-stack .preview-card {
  position: relative;
  z-index: 2;
  margin-left: auto;
}

.preview-card {
  background-color: #FFFFFF;
  border-radius: 10px;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
  padding: 22px 24px;
  width: 100%;
  max-width: 360px;
}

.preview-card-title {
  margin: 0 0 14px 0;
  font-size: 14px;
  font-weight: bold;
  color: #1F3864;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.preview-card-tag {
  background-color: #F2F5FB;
  color: #7F7F7F;
  font-size: 11px;
  font-weight: bold;
  padding: 3px 8px;
  border-radius: 10px;
}

.preview-row {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  color: #333333;
  padding: 7px 0;
  border-bottom: 1px solid #EEF1F6;
}

.preview-row-total {
  font-weight: bold;
  color: #1F3864;
  border-bottom: 1px solid #D9E1F2;
}

.preview-row-highlight {
  font-weight: bold;
  color: #1F7A3C;
  border-bottom: none;
  padding-top: 10px;
  font-size: 15px;
}

.preview-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 14px;
}

.preview-stat {
  background-color: #F7F9FC;
  border-radius: 6px;
  padding: 10px 12px;
  text-align: center;
}

.preview-stat-label {
  margin: 0 0 4px 0;
  font-size: 11.5px;
  color: #7F7F7F;
  font-weight: bold;
}

.preview-stat-value {
  margin: 0;
  font-size: 16px;
  font-weight: bold;
  color: #1F3864;
}

.preview-card-note {
  margin: 14px 0 0 0;
  font-size: 11.5px;
  color: #7F7F7F;
  line-height: 1.4;
}

.section-eyebrow {
  margin: 0 0 8px 0;
  font-size: 12.5px;
  font-weight: bold;
  letter-spacing: 0.5px;
  color: #1F3864;
  text-align: center;
}

.section-heading {
  margin: 0 0 8px 0;
  font-size: 24px;
  color: #1F3864;
  text-align: center;
}

.section-subheading {
  margin: 0 auto;
  max-width: 520px;
  font-size: 14.5px;
  color: #595959;
  line-height: 1.5;
  text-align: center;
}

.industry-selector {
  max-width: 900px;
  margin: 0 auto 32px auto;
  text-align: center;
}

.industry-pills {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 20px;
}

.industry-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background-color: #FFFFFF;
  border: 1px solid #D9E1F2;
  color: #1F3864;
  text-decoration: none;
  font-size: 14px;
  font-weight: bold;
  padding: 9px 18px;
  border-radius: 20px;
}

.industry-pill:hover {
  border-color: #1F3864;
}

.industry-pill-active {
  background-color: #1F3864;
  border-color: #1F3864;
  color: #FFFFFF;
}

.industry-pill-active:hover {
  background-color: #14213D;
}

@media (max-width: 860px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .hero-copy {
    text-align: center;
  }

  .subtitle {
    max-width: none;
    margin-left: auto;
    margin-right: auto;
  }

  .hero-trust-row {
    justify-content: center;
  }
}

.niche-grid {
  max-width: 1390px;
  margin: 32px auto 0 auto;
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  align-items: start;
  gap: 20px;
}

.niche-grid > .niche {
  grid-column: span 2;
}

.niche-grid > .niche:last-child:nth-child(3n+1) {
  grid-column: span 6;
}

.niche-grid > .niche:nth-last-child(2):nth-child(3n+1),
.niche-grid > .niche:nth-last-child(2):nth-child(3n+1) ~ .niche {
  grid-column: span 3;
}

@media (max-width: 700px) {
  .niche-grid {
    grid-template-columns: 1fr;
  }

  .niche-grid > .niche,
  .niche-grid > .niche:last-child:nth-child(3n+1),
  .niche-grid > .niche:nth-last-child(2):nth-child(3n+1),
  .niche-grid > .niche:nth-last-child(2):nth-child(3n+1) ~ .niche {
    grid-column: auto;
  }
}

.niche-banner {
  background-color: #1F3864;
  color: #FFFFFF;
  border-radius: 8px 8px 0 0;
  padding: 24px 24px 22px 24px;
}

.niche-eyebrow {
  margin: 0 0 6px 0;
  font-size: 13px;
  font-weight: bold;
  letter-spacing: 0.5px;
  color: #FFC000;
}

.niche-banner h2 {
  margin: 0 0 8px 0;
  font-size: 20px;
  color: #FFFFFF;
}

.niche-banner p {
  margin: 0 0 18px 0;
  color: #D9E1F2;
  font-size: 14px;
  line-height: 1.5;
}

.niche-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 16px;
}

.niche-badge {
  background-color: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: #D9E1F2;
  font-size: 12px;
  font-weight: bold;
  padding: 5px 10px;
  border-radius: 14px;
  white-space: nowrap;
}

.cta-button {
  display: inline-block;
  background-color: #FFC000;
  color: #1F3864;
  font-weight: bold;
  font-size: 14px;
  text-decoration: none;
  padding: 12px 20px;
  border-radius: 4px;
  white-space: nowrap;
}

.cta-button:hover {
  background-color: #E6AC00;
}

.niche-cta {
  display: block;
  width: 100%;
  text-align: center;
  font-size: 15px;
  padding: 14px 20px;
  white-space: normal;
}

.calc-panel {
  background-color: #FFFFFF;
  border-radius: 0 0 8px 8px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  padding: 20px 24px 22px 24px;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: start;
  gap: 24px;
  margin: 0 0 16px 0;
}

.calc-check-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #1F3864;
  font-weight: bold;
  font-size: 14px;
  text-decoration: none;
  padding: 4px 0;
}

.calc-check-item:hover {
  color: #14213D;
  text-decoration: underline;
}

.check-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background-color: #E9F5FF;
  color: #2F6FE4;
  font-size: 11px;
  font-weight: bold;
  flex-shrink: 0;
}

.niche-all-link {
  display: inline-block;
  color: #1F3864;
  font-size: 13.5px;
  font-weight: bold;
  text-decoration: none;
}

.niche-all-link:hover {
  text-decoration: underline;
}

.free-calculators {
  max-width: 900px;
  margin: 56px auto 0 auto;
  text-align: center;
}

.privacy-line {
  margin: 10px auto 0 auto;
  max-width: 480px;
  font-size: 13px;
  color: #595959;
}

.free-calc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 28px 0 0 0;
  text-align: left;
}

.free-calc-item {
  display: block;
  background-color: #FFFFFF;
  border: 1px solid #D9E1F2;
  border-radius: 8px;
  padding: 16px 18px;
  text-decoration: none;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

.free-calc-item:hover {
  border-color: #1F3864;
}

.free-calc-name {
  margin: 0 0 6px 0;
  color: #1F3864;
  font-size: 14.5px;
  font-weight: bold;
}

.free-calc-desc {
  margin: 0;
  color: #595959;
  font-size: 13px;
  line-height: 1.5;
}

.free-calc-cta {
  margin-top: 28px;
}

.free-calc-cta p {
  margin: 0 0 10px 0;
  color: #1F3864;
  font-weight: bold;
  font-size: 15px;
}

.footer {
  margin-top: 40px;
  text-align: center;
}

.footer p {
  color: #7F7F7F;
  font-size: 12.5px;
  line-height: 1.6;
  max-width: 560px;
  margin: 0 auto 10px auto;
}

.footer a {
  color: #1F3864;
}

@media (max-width: 700px) {
  .free-calc-grid {
    grid-template-columns: 1fr 1fr;
  }
}

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

  .free-calc-grid {
    grid-template-columns: 1fr;
  }
}

/* ---------------------------------------------------------------------
   Sub-pages: About, Help, Free Tools
   --------------------------------------------------------------------- */

.page-hero {
  background-color: #1F3864;
  padding: 56px 24px;
  text-align: center;
}

.page-hero-inner {
  max-width: 680px;
  margin: 0 auto;
}

.page-hero .hero-eyebrow {
  text-align: center;
}

.page-hero h1 {
  margin-bottom: 6px;
}

.content-section {
  max-width: 800px;
  margin: 0 auto 48px auto;
}

.content-section p {
  color: #333333;
  font-size: 15px;
  line-height: 1.6;
  margin: 0 0 16px 0;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 32px 0 48px 0;
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
}

.feature-card {
  background-color: #FFFFFF;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  padding: 24px 20px;
  text-align: center;
}

.feature-card h3 {
  color: #1F3864;
  font-size: 16px;
  margin: 0 0 8px 0;
}

.feature-card p {
  color: #595959;
  font-size: 14px;
  line-height: 1.5;
  margin: 0;
}

.make-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
  max-width: 640px;
  margin: 0 auto 48px auto;
}

.make-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #1F3864;
  font-weight: bold;
  font-size: 14.5px;
}

.faq-section {
  max-width: 800px;
  margin: 0 auto 40px auto;
}

.faq-section-title {
  color: #1F3864;
  font-size: 13px;
  font-weight: bold;
  letter-spacing: 0.5px;
  margin: 0 0 14px 0;
}

.faq-item {
  background-color: #FFFFFF;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  padding: 16px 20px;
  margin-bottom: 12px;
}

.faq-item h3 {
  margin: 0 0 8px 0;
  font-size: 15px;
  color: #1F3864;
}

.faq-item p {
  margin: 0;
  color: #595959;
  font-size: 14px;
  line-height: 1.5;
}

.contact-cta {
  max-width: 520px;
  margin: 0 auto 40px auto;
  text-align: center;
  background-color: #FFFFFF;
  border-radius: 10px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  padding: 32px 24px;
}

.contact-cta h2 {
  color: #1F3864;
  margin: 0 0 8px 0;
}

.contact-cta p {
  color: #595959;
  font-size: 14.5px;
  margin: 0 0 20px 0;
}

.contact-cta p.contact-cta-alt {
  margin: 14px 0 0 0;
  font-size: 13.5px;
}

.contact-cta-alt a {
  color: #1F3864;
  font-weight: bold;
  text-decoration: none;
}

.contact-cta-alt a:hover {
  text-decoration: underline;
}

.tool-group {
  max-width: 960px;
  margin: 0 auto 44px auto;
}

.tool-group-title {
  color: #1F3864;
  font-size: 16px;
  font-weight: bold;
  margin: 0 0 16px 0;
  padding-bottom: 10px;
  border-bottom: 1px solid #D9E1F2;
}

.tool-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.tool-card {
  background-color: #FFFFFF;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
}

.tool-card-name {
  color: #1F3864;
  font-weight: bold;
  font-size: 15px;
  margin: 0 0 8px 0;
}

.tool-card-desc {
  color: #595959;
  font-size: 13.5px;
  line-height: 1.5;
  margin: 0 0 14px 0;
  flex-grow: 1;
}

.tool-card-link {
  color: #1F3864;
  font-weight: bold;
  font-size: 13.5px;
  text-decoration: none;
}

.tool-card-link:hover {
  text-decoration: underline;
}

@media (max-width: 860px) {
  .feature-grid {
    grid-template-columns: 1fr;
  }

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

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

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