:root {
  --gold: #c9a84c;
  --deep: #0d0a04;
  --card-bg: rgba(20, 15, 4, 0.88);
  --accent: #e25f0e;
  --text: #f0ead6;
  --muted: #a89e84;
  --green: #4caf82;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Lato', sans-serif;
  background: var(--deep);
  color: var(--text);
  background-image: url("https://www.publicdomainpictures.net/pictures/270000/velka/flag-of-bhutan-bhutan-flag-nation.jpg");
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
}

nav {
  position: fixed;
  top: 0;
  width: 100%;
  background: rgba(0,0,0,0.92);
  backdrop-filter: blur(8px);
  padding: 14px 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  z-index: 999;
  border-bottom: 1px solid rgba(201,168,76,0.25);
  flex-wrap: wrap;
}

nav a {
  color: var(--muted);
  text-decoration: none;
  font-family: 'Cinzel', serif;
  font-size: 13px;
  letter-spacing: 1.5px;
  padding: 8px 16px;
  border-radius: 4px;
  transition: color 0.2s, background 0.2s;
  cursor: pointer;
  text-transform: uppercase;
}

nav a:hover, nav a.active-link {
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}

.nav-brand {
  color: var(--gold);
  font-family: 'Cinzel', serif;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 2px;
  margin-right: auto;
}

section, .overlay { display: none; }
.active { display: flex; }

/* ── HOME ── */
#home {
  min-height: 100vh;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 100px 20px 60px;
  background: rgba(0,0,0,0.55);
}

#home h1 {
  font-family: 'Cinzel', serif;
  font-size: clamp(36px, 6vw, 64px);
  color: var(--gold);
  letter-spacing: 3px;
  line-height: 1.2;
  margin-bottom: 12px;
  text-shadow: 0 2px 20px rgba(0,0,0,0.8);
}

#home .subtitle {
  font-size: 13px;
  letter-spacing: 4px;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 36px;
}

.home-description {
  max-width: 620px;
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  border-left: 4px solid var(--accent);
  padding: 24px 28px;
  border-radius: 8px;
  font-size: 15px;
  line-height: 1.75;
  color: var(--text);
  margin-bottom: 36px;
}

.home-stats {
  display: flex;
  gap: 20px;
  margin-bottom: 40px;
  flex-wrap: wrap;
  justify-content: center;
}

.stat-pill {
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.35);
  padding: 10px 22px;
  border-radius: 50px;
  font-size: 13px;
  color: var(--gold);
  letter-spacing: 1px;
}

.btn-primary {
  padding: 14px 40px;
  font-family: 'Cinzel', serif;
  font-size: 14px;
  letter-spacing: 2px;
  border: 2px solid var(--gold);
  background: transparent;
  color: var(--gold);
  cursor: pointer;
  border-radius: 4px;
  text-transform: uppercase;
  transition: background 0.25s, color 0.25s;
}

.btn-primary:hover {
  background: var(--gold);
  color: var(--deep);
}

/* ── DASHBOARD ── */
#dashboard {
  flex-direction: column;
  align-items: center;
  min-height: 100vh;
  padding: 100px 20px 60px;
  background: rgba(0,0,0,0.6);
}

#dashboard h2 {
  font-family: 'Cinzel', serif;
  font-size: 28px;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.section-tagline {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 16px;
  letter-spacing: 1px;
}

.dashboard-desc {
  max-width: 720px;
  text-align: center;
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.15);
  border-top: 3px solid var(--gold);
  padding: 20px 28px;
  border-radius: 8px;
  font-size: 14.5px;
  line-height: 1.75;
  color: var(--muted);
  margin-bottom: 28px;
}

.dashboard-desc strong { color: var(--text); }

.tableau-container {
  width: 95%;
  max-width: 1100px;
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(0,0,0,0.6);
}

.tableau-container iframe {
  display: block;
  width: 100%;
  height: 550px;
  border: none;
}

.dashboard-note {
  margin-top: 16px;
  font-size: 12px;
  color: var(--muted);
  font-style: italic;
}

/* ── BUDGET ── */
#budget {
  flex-direction: column;
  align-items: center;
  min-height: 100vh;
  padding: 100px 20px 60px;
  background: linear-gradient(rgba(0,0,0,0.65), rgba(0,0,0,0.75)),
              url("https://thumbs.dreamstime.com/z/bhutanese-ngultrum-banknotes-depicting-kings-currency-kingdom-bhutan-currently-pegged-to-indian-rupee-parity-126929954.jpg") center/cover no-repeat;
}

#budget h2 {
  font-family: 'Cinzel', serif;
  font-size: 28px;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.budget-intro {
  max-width: 680px;
  text-align: center;
  font-size: 14.5px;
  line-height: 1.75;
  color: var(--muted);
  margin-bottom: 10px;
}

.budget-rule {
  background: rgba(226,95,14,0.12);
  border: 1px solid rgba(226,95,14,0.35);
  padding: 10px 24px;
  border-radius: 50px;
  font-size: 13px;
  color: var(--accent);
  margin-bottom: 32px;
  letter-spacing: 1px;
}

.budget-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
  max-width: 1100px;
}

.budget-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  padding: 28px 24px;
  border-radius: 12px;
  width: 280px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
}

.budget-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.5);
}

.budget-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
}

.budget-card.low::before  { background: #5cb8e4; }
.budget-card.mid::before  { background: var(--gold); }
.budget-card.high::before { background: var(--green); }

.budget-card h3 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 16px;
  margin-bottom: 18px;
  letter-spacing: 1px;
}

.budget-row {
  display: flex;
  justify-content: space-between;
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 14px;
}

.budget-row:last-child { border-bottom: none; }
.budget-row .label { color: var(--muted); }
.budget-row .value { color: var(--text); font-weight: 700; }
.budget-row.saving .value { color: var(--green); }
.budget-row.saving .label { color: var(--green); }

.budget-bar-wrap { margin-top: 16px; }

.budget-bar-wrap p {
  font-size: 11px;
  color: var(--muted);
  margin-bottom: 6px;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.budget-bar {
  background: rgba(255,255,255,0.08);
  border-radius: 20px;
  height: 8px;
  overflow: hidden;
}

.budget-bar-fill {
  height: 100%;
  border-radius: 20px;
  background: var(--green);
}

.budget-tips-wrap {
  margin-top: 40px;
  max-width: 860px;
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 12px;
  padding: 28px 32px;
}

.budget-tips-wrap h3 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 16px;
  margin-bottom: 20px;
  letter-spacing: 1px;
}

.tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 14px;
}

.tip-mini {
  background: rgba(255,255,255,0.04);
  padding: 14px 16px;
  border-radius: 8px;
  border-left: 3px solid var(--accent);
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--muted);
}

.tip-mini strong { color: var(--text); display: block; margin-bottom: 4px; }

/* ── QUIZ ── */
#quiz {
  flex-direction: column;
  align-items: center;
  min-height: 100vh;
  padding: 100px 20px 60px;
  background: linear-gradient(rgba(0,0,0,0.68), rgba(0,0,0,0.78)), #0d0a04;
}

#quiz h2 {
  font-family: 'Cinzel', serif;
  font-size: 28px;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
  text-align: center;
}

.quiz-tagline {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 32px;
  letter-spacing: 1px;
  text-align: center;
}

/* ── START SCREEN ── */
#quiz-start {
  max-width: 580px;
  width: 100%;
  text-align: center;
}

.quiz-start-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  border-top: 3px solid var(--gold);
  border-radius: 14px;
  padding: 36px 32px;
  margin-bottom: 24px;
}

.quiz-start-card p {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.75;
  margin-bottom: 24px;
}

.quiz-meta-pills {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 28px;
}

.quiz-meta-pill {
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  font-size: 12px;
  padding: 6px 16px;
  border-radius: 50px;
  letter-spacing: 1px;
}

/* ── QUESTION SCREEN ── */
#quiz-question { display: none; max-width: 680px; width: 100%; }

.quiz-progress-bar-wrap {
  width: 100%;
  margin-bottom: 10px;
}

.quiz-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 6px;
  letter-spacing: 1px;
}

.quiz-progress-track {
  background: rgba(255,255,255,0.08);
  border-radius: 20px;
  height: 6px;
  overflow: hidden;
  width: 100%;
}

.quiz-progress-fill {
  height: 100%;
  border-radius: 20px;
  background: var(--gold);
  transition: width 0.4s ease;
}

.quiz-q-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 14px;
  padding: 32px 28px;
  margin-top: 16px;
}

.quiz-q-number {
  font-size: 11px;
  color: var(--accent);
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 10px;
}

.quiz-q-text {
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  margin-bottom: 26px;
  font-weight: 700;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.quiz-option {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 10px;
  padding: 14px 18px;
  cursor: pointer;
  font-size: 14.5px;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 14px;
  transition: background 0.2s, border-color 0.2s, color 0.2s;
}

.quiz-option:hover:not(.disabled) {
  background: rgba(201,168,76,0.1);
  border-color: rgba(201,168,76,0.45);
  color: var(--text);
}

.quiz-option.selected {
  border-color: var(--gold);
  background: rgba(201,168,76,0.14);
  color: var(--text);
}

.quiz-option.correct {
  border-color: var(--green);
  background: rgba(76,175,130,0.14);
  color: var(--green);
}

.quiz-option.wrong {
  border-color: #e25f0e;
  background: rgba(226,95,14,0.12);
  color: #e25f0e;
}

.quiz-option.disabled { cursor: default; pointer-events: none; }

.option-letter {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 50%;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Cinzel', serif;
  font-size: 12px;
  color: var(--gold);
  flex-shrink: 0;
}

.quiz-option.correct .option-letter {
  background: rgba(76,175,130,0.2);
  border-color: var(--green);
  color: var(--green);
}

.quiz-option.wrong .option-letter {
  background: rgba(226,95,14,0.2);
  border-color: var(--accent);
  color: var(--accent);
}

.quiz-feedback {
  margin-top: 18px;
  padding: 14px 18px;
  border-radius: 8px;
  font-size: 13.5px;
  line-height: 1.65;
  display: none;
}

.quiz-feedback.correct-fb {
  background: rgba(76,175,130,0.1);
  border: 1px solid rgba(76,175,130,0.3);
  color: var(--green);
}

.quiz-feedback.wrong-fb {
  background: rgba(226,95,14,0.1);
  border: 1px solid rgba(226,95,14,0.3);
  color: #f0955a;
}

.quiz-next-btn {
  margin-top: 22px;
  padding: 12px 36px;
  font-family: 'Cinzel', serif;
  font-size: 13px;
  letter-spacing: 2px;
  border: 2px solid var(--gold);
  background: transparent;
  color: var(--gold);
  cursor: pointer;
  border-radius: 6px;
  text-transform: uppercase;
  transition: background 0.25s, color 0.25s;
  display: none;
}

.quiz-next-btn:hover {
  background: var(--gold);
  color: var(--deep);
}

/* ── RESULTS SCREEN ── */
#quiz-results { display: none; max-width: 700px; width: 100%; text-align: center; }

.quiz-score-ring-wrap {
  margin-bottom: 28px;
}

.quiz-score-circle {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  border: 5px solid var(--gold);
  background: rgba(201,168,76,0.08);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.quiz-score-number {
  font-family: 'Cinzel', serif;
  font-size: 42px;
  color: var(--gold);
  line-height: 1;
}

.quiz-score-label {
  font-size: 12px;
  color: var(--muted);
  letter-spacing: 1px;
  margin-top: 4px;
}

.quiz-result-title {
  font-family: 'Cinzel', serif;
  font-size: 22px;
  color: var(--gold);
  margin-bottom: 8px;
  letter-spacing: 1px;
}

.quiz-result-subtitle {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 28px;
}

.quiz-ai-feedback-box {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  border-left: 4px solid var(--accent);
  border-radius: 10px;
  padding: 22px 24px;
  text-align: left;
  margin-bottom: 24px;
}

.quiz-ai-feedback-box h4 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 1px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.quiz-ai-feedback-text {
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
}

.quiz-result-breakdown {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 10px;
  padding: 22px 24px;
  text-align: left;
  margin-bottom: 24px;
}

.quiz-result-breakdown h4 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.breakdown-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  font-size: 13.5px;
}

.breakdown-item:last-child { border-bottom: none; }

.breakdown-icon {
  font-size: 16px;
  margin-top: 1px;
  flex-shrink: 0;
}

.breakdown-q { color: var(--muted); flex: 1; line-height: 1.5; }
.breakdown-q strong { color: var(--text); display: block; margin-bottom: 2px; font-size: 12px; }

.quiz-retry-btn {
  padding: 13px 36px;
  font-family: 'Cinzel', serif;
  font-size: 13px;
  letter-spacing: 2px;
  border: 2px solid var(--gold);
  background: transparent;
  color: var(--gold);
  cursor: pointer;
  border-radius: 6px;
  text-transform: uppercase;
  transition: background 0.25s, color 0.25s;
  margin-right: 12px;
}

.quiz-retry-btn:hover {
  background: var(--gold);
  color: var(--deep);
}

/* ── ABOUT ── */
#about {
  flex-direction: column;
  align-items: center;
  min-height: 100vh;
  padding: 100px 20px 60px;
  background: linear-gradient(rgba(0,0,0,0.62), rgba(0,0,0,0.72)),
              url("https://images.unsplash.com/photo-1522202176988-66273c2b033f?ixlib=rb-4.0.3&auto=format&fit=crop&w=1350&q=80") center/cover no-repeat;
}

#about h2 {
  font-family: 'Cinzel', serif;
  font-size: 28px;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

.about-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
  max-width: 1100px;
  margin-top: 28px;
}

.about-card {
  background: var(--card-bg);
  backdrop-filter: blur(8px);
  padding: 28px 26px;
  border-radius: 14px;
  width: 310px;
  border: 1px solid rgba(201,168,76,0.15);
  border-top: 3px solid var(--gold);
  box-shadow: 0 8px 32px rgba(0,0,0,0.5);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.about-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 16px 48px rgba(0,0,0,0.6);
}

.about-card h3 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  margin-bottom: 14px;
  font-size: 15px;
  letter-spacing: 1px;
}

.about-card p, .about-card li {
  color: var(--muted);
  font-size: 13.5px;
  line-height: 1.7;
}

.about-card p + p { margin-top: 10px; }
.about-card ul { list-style: none; padding-left: 0; }

.about-card ul li {
  margin: 10px 0;
  padding-left: 22px;
  position: relative;
}

.about-card ul li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--accent);
}

.tech-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 8px;
}

.tech-tag {
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  font-size: 12px;
  padding: 4px 12px;
  border-radius: 20px;
  letter-spacing: 0.5px;
}

footer {
  background: rgba(0,0,0,0.92);
  color: var(--muted);
  text-align: center;
  padding: 20px;
  font-size: 13px;
  letter-spacing: 1px;
  border-top: 1px solid rgba(201,168,76,0.15);
}

footer span { color: var(--gold); }

@keyframes bounce {
  0%, 80%, 100% { transform: translateY(0); opacity: 0.4; }
  40% { transform: translateY(-6px); opacity: 1; }
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.fade-in { animation: fadeIn 0.35s ease forwards; }

/* AI loading dots */
.ai-loading { display: flex; gap: 5px; align-items: center; padding: 4px 0; }
.ai-loading span {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--gold);
  animation: bounce 1s infinite;
  display: inline-block;
}

/* ── BUDGET PLANNER ── */
#planner {
  flex-direction: column;
  align-items: center;
  min-height: 100vh;
  padding: 100px 20px 60px;
  background: linear-gradient(rgba(0,0,0,0.65), rgba(0,0,0,0.75)), #0d0a04;
}

#planner h2 {
  font-family: 'Cinzel', serif;
  font-size: 28px;
  color: var(--gold);
  letter-spacing: 2px;
  margin-bottom: 8px;
}

#planner h3 {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.planner-download-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background: rgba(10,8,2,0.9);
  border: 1px solid rgba(201,168,76,0.35);
  border-top: 3px solid var(--gold);
  border-radius: 14px;
  padding: 20px 24px;
  max-width: 860px;
  width: 100%;
  margin: 24px 0 16px;
  flex-wrap: wrap;
}

.planner-download-left {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  flex: 1;
}

.planner-dl-icon { font-size: 36px; flex-shrink: 0; margin-top: 4px; }

.planner-dl-title {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 15px;
  margin-bottom: 6px;
  letter-spacing: 0.5px;
}

.planner-dl-desc {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.55;
  margin-bottom: 10px;
}

.planner-dl-tags { display: flex; flex-wrap: wrap; gap: 6px; }

.planner-tag {
  font-size: 11px;
  padding: 3px 10px;
  border-radius: 20px;
  border: 1px solid rgba(201,168,76,0.25);
  color: rgba(201,168,76,0.75);
  background: rgba(201,168,76,0.06);
}

.planner-dl-btn {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  padding: 12px 22px;
  border-radius: 8px;
  border: 2px solid var(--gold);
  background: transparent;
  color: var(--gold);
  font-family: 'Cinzel', serif;
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  letter-spacing: 1px;
  transition: background 0.2s, color 0.2s;
}

.planner-dl-btn:hover, .planner-dl-btn.large:hover { background: var(--gold); color: var(--deep); }
.planner-dl-btn.large { padding: 14px 32px; font-size: 14px; }

.planner-story {
  max-width: 860px;
  width: 100%;
  background: rgba(226,95,14,0.1);
  border: 1px solid rgba(226,95,14,0.3);
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  padding: 14px 20px;
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 32px;
  line-height: 1.65;
}

.planner-story-quote { color: var(--accent); font-style: italic; font-size: 15px; }
.planner-story strong { color: var(--green); }

.planner-how-wrap {
  max-width: 860px;
  width: 100%;
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 12px;
  padding: 28px 32px;
  margin-bottom: 36px;
}

.planner-steps { display: flex; flex-direction: column; gap: 14px; }

.planner-step {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.65;
}

.planner-step strong { color: var(--text); }

.planner-step-num {
  width: 30px; height: 30px; min-width: 30px;
  border-radius: 50%;
  background: rgba(201,168,76,0.12);
  border: 1.5px solid var(--gold);
  color: var(--gold);
  font-family: 'Cinzel', serif;
  font-size: 13px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.planner-sheets-wrap {
  max-width: 1100px;
  width: 100%;
  margin-bottom: 36px;
}

.planner-sheets-wrap h3 { text-align: center; margin-bottom: 24px; }

.planner-sheets-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 20px;
}

.planner-sheet-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 12px;
  padding: 22px 20px;
  transition: transform 0.25s, box-shadow 0.25s;
}

.planner-sheet-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(0,0,0,0.5);
}

.planner-sheet-header {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

.planner-sheet-desc {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 14px;
}

.planner-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 12.5px;
}

.planner-table th {
  background: rgba(201,168,76,0.12);
  color: var(--gold);
  padding: 7px 8px;
  text-align: left;
  font-family: 'Cinzel', serif;
  font-size: 11px;
  letter-spacing: 0.5px;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}

.planner-table td {
  padding: 7px 8px;
  color: var(--muted);
  border-bottom: 1px solid rgba(255,255,255,0.04);
}

.planner-table tr:last-child td { border-bottom: none; }

.section-row td {
  background: rgba(201,168,76,0.06);
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 6px 8px;
}

.total-row td { color: var(--text); font-weight: 700; background: rgba(255,255,255,0.03); }
.savings-row td { color: var(--green) !important; }
.input-cell { color: rgba(201,168,76,0.4) !important; font-style: italic; }

.tag-needs  { color: #5cb8e4; font-size: 11px; }
.tag-wants  { color: var(--accent); font-size: 11px; }
.tag-savings { color: var(--green); font-size: 11px; }

.progress-cell { display: flex; align-items: center; gap: 6px; }

.mini-bar {
  width: 50px; height: 6px;
  background: rgba(255,255,255,0.08);
  border-radius: 10px;
  overflow: hidden;
  flex-shrink: 0;
}

.mini-fill { height: 100%; background: var(--green); border-radius: 10px; }

.dashboard-preview {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 4px;
}

.dash-metric {
  flex: 1;
  min-width: 80px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 8px;
  padding: 10px 12px;
  text-align: center;
}

.dash-val { color: var(--text); font-weight: 700; font-size: 13px; margin-bottom: 4px; }
.dash-lbl { color: var(--muted); font-size: 10px; letter-spacing: 0.5px; }
.green-val .dash-val { color: var(--green); }

.planner-steps-wrap {
  max-width: 860px;
  width: 100%;
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 12px;
  padding: 28px 32px;
  margin-bottom: 36px;
}

.sonam-steps { display: flex; flex-direction: column; gap: 12px; }

.sonam-step {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.65;
}

.sonam-num {
  width: 26px; height: 26px; min-width: 26px;
  border-radius: 50%;
  background: rgba(226,95,14,0.15);
  border: 1.5px solid var(--accent);
  color: var(--accent);
  font-family: 'Cinzel', serif;
  font-size: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.planner-cta {
  max-width: 860px;
  width: 100%;
  background: rgba(201,168,76,0.07);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 14px;
  padding: 32px;
  text-align: center;
}

.planner-cta-text {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 20px;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

.planner-cta-sub {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 24px;
  line-height: 1.65;
}

@media (max-width: 600px) {
  .planner-download-card { flex-direction: column; }
  .planner-sheets-grid { grid-template-columns: 1fr; }
  .planner-how-wrap, .planner-steps-wrap { padding: 20px 16px; }
}
.ai-loading span:nth-child(2) { animation-delay: 0.2s; }
.ai-loading span:nth-child(3) { animation-delay: 0.4s; }

/* ── SHEET VISUAL PREVIEWS ── */
.planner-sheets-visual {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  width: 100%;
}

.psv-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 12px;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
}

.psv-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 14px 36px rgba(0,0,0,0.55);
}

.psv-img-wrap {
  width: 100%;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  background: rgba(0,0,0,0.3);
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.psv-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
  transition: transform 0.35s ease;
}

.psv-card:hover .psv-img {
  transform: scale(1.04);
}

.psv-info {
  padding: 14px 16px;
}

.psv-label {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 13px;
  letter-spacing: 1px;
  margin-bottom: 6px;
}

.psv-desc {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}

@media (max-width: 600px) {
  .planner-sheets-visual {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }
}

/* ── FINANCIAL PLATFORMS ── */
.platforms-wrap {
  max-width: 1100px;
  width: 100%;
  margin-top: 52px;
}

.platforms-title {
  font-family: 'Cinzel', serif;
  color: var(--gold);
  font-size: 20px;
  letter-spacing: 1.5px;
  text-align: center;
  margin-bottom: 10px;
}

.platforms-sub {
  color: var(--muted);
  font-size: 13.5px;
  text-align: center;
  margin-bottom: 28px;
  line-height: 1.65;
}

.platforms-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 18px;
}

.platform-card {
  background: var(--card-bg);
  border: 1px solid rgba(201,168,76,0.18);
  border-top: 3px solid var(--gold);
  border-radius: 12px;
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: transform 0.25s, box-shadow 0.25s;
}

.platform-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 14px 36px rgba(0,0,0,0.5);
}

.platform-header {
  display: flex;
  align-items: center;
  gap: 12px;
}

.platform-icon {
  font-size: 22px;
  flex-shrink: 0;
}

.platform-name {
  font-family: 'Cinzel', serif;
  color: var(--text);
  font-size: 13px;
  letter-spacing: 0.5px;
  margin-bottom: 3px;
}

.platform-tag {
  font-size: 11px;
  color: var(--accent);
  letter-spacing: 0.5px;
}

.platform-desc {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.65;
  flex: 1;
}

.platform-link {
  display: inline-block;
  font-size: 12.5px;
  font-family: 'Cinzel', serif;
  color: var(--gold);
  text-decoration: none;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 4px;
  padding: 7px 14px;
  letter-spacing: 0.5px;
  transition: background 0.2s, color 0.2s;
  text-align: center;
}

.platform-link:hover {
  background: var(--gold);
  color: var(--deep);
}

.platforms-note {
  margin-top: 22px;
  font-size: 12.5px;
  color: var(--muted);
  text-align: center;
  background: rgba(201,168,76,0.06);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 8px;
  padding: 12px 20px;
  line-height: 1.65;
}

.platforms-note strong { color: var(--text); }

@media (max-width: 600px) {
  .platforms-grid { grid-template-columns: 1fr; }
}
.ai-loading span:nth-child(3) { animation-delay: 0.4s; }