/* PERCENT.SG SHARED STYLES */

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

:root{
  --black:#2a2f35;        /* main page background */
  --off-black:#333941;    /* sections */
  --dark:#3a414a;         /* cards */
  --border:#56606a;       /* visible borders */
  --mid:#434b55;          /* chips/tags */
  --accent:#e8ff3b;
  --accent-dark:#c9de1a;
  --white:#f2f4f6;        /* main text */
  --gray:#c1c7cd;         /* secondary text */
  --red:#ff3b3b;

  /* light island colors */
  --panel:#f1f3f5;     /* was too white */
  --panel2:#f7f8fa;    /* soft off-white */
  --ink:#141618;
  --muted:#5b636b;
}
html {
  scroll-behavior: smooth; 
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Barlow', sans-serif;
  background:
    radial-gradient(1300px 700px at 10% -10%, rgba(232,255,59,0.08), transparent 60%),
    linear-gradient(180deg, #2c3239 0%, #262c33 55%, #242a30 100%);
  color: var(--white);
  overflow-x: hidden;
  font-size: 20px;  /* increased base size significantly */
  line-height: 1.65;
  max-width: 100%;
}

@media (min-width: 1200px) {
  body {
    font-size: 21px;  /* even bigger on large screens */
  }
}

/* TYPOGRAPHY */
h1 {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 900;
  font-size: clamp(3.5rem, 7vw, 6.5rem);
  line-height: 0.98;
  letter-spacing: -0.005em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

h2 {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 900;
  font-size: clamp(2rem, 4vw, 3.5rem);
  text-transform: uppercase;
  letter-spacing: 0;
  line-height: 1.08;
}

/* NAVIGATION */
nav {
  position: fixed;
  top: 0; 
  left: 0; 
  right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 2.5rem;
  background: rgba(39,45,52,0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: 4px;
  width: 44px;
  height: 40px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--white);
  border-radius: 999px;
}

.logo {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 900;
  font-size: 1.8rem;
  letter-spacing: -0.02em;
  color: var(--white);
  text-decoration: none;
}

.logo span { 
  color: var(--accent); 
}

nav ul {
  display: flex;
  gap: 2rem;
  list-style: none;
}

nav ul a {
  color: var(--gray);
  text-decoration: none;
  font-size: 1.1rem;  /* increased from 1.05rem */
  font-weight: 500;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  transition: color 0.2s;
}

nav ul a:hover { 
  color: var(--white); 
}

.nav-dropdown {
  position: relative;
}

.nav-dropdown::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  height: 10px;
}

.nav-subtoggle {
  display: none;
}

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 230px;
  margin-top: 0;
  padding: 0.45rem;
  border: 1px solid var(--border);
  border-radius: 6px;
  background: rgba(39,45,52,0.98);
  list-style: none;
  box-shadow: 0 14px 26px rgba(0, 0, 0, 0.26);
  z-index: 200;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  display: block;
}

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

.nav-dropdown-menu li {
  display: block !important;
}

.nav-dropdown-menu a {
  display: block;
  padding: 0.48rem 0.55rem;
  font-size: 0.98rem;
  text-transform: none;
  letter-spacing: 0.01em;
  color: var(--gray);
  border-radius: 4px;
}

.nav-dropdown-menu a:hover {
  background: #37414b;
  color: var(--white);
}

.nav-active {
  color: var(--white);
}

.nav-active-parent > a {
  color: var(--white);
}

.nav-cta {
  background: var(--accent);
  color: var(--black) !important;
  padding: 0.6rem 1.4rem;
  border-radius: 2px;
  font-weight: 700 !important;
  transition: background 0.2s !important;
}

.nav-cta:hover { 
  background: var(--accent-dark) !important; 
  color: var(--black) !important; 
}

/* BUTTONS */
.btn {
  padding: 1rem 2rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.1rem;  /* increased */
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  text-decoration: none;
  transition: all 0.2s;
  cursor: pointer;
  display: inline-block;
}

.btn-primary {
  background: var(--accent);
  color: var(--black);
  border: none;
}

.btn-primary:hover { 
  background: var(--accent-dark); 
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 1px solid var(--border);
}

.btn-secondary:hover { 
  border-color: var(--accent); 
  color: var(--accent); 
}

.btn-dark {
  background: var(--black);
  color: var(--accent);
  padding: 1rem 2.2rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.15rem;  /* increased */
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  text-decoration: none;
  transition: background 0.2s;
}

.btn-dark:hover { 
  background: var(--dark); 
}

.btn-outline-dark {
  border: 2px solid var(--black);
  color: var(--black);
  padding: 1rem 2.2rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.15rem;  /* increased */
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  text-decoration: none;
  transition: background 0.2s;
}

.btn-outline-dark:hover { 
  background: rgba(0,0,0,0.08); 
}

/* FOOTER */
footer {
  background: var(--off-black);
  border-top: 1px solid var(--border);
  padding: 2.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-logo {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 900;
  font-size: 1.4rem;
}

.footer-logo span { 
  color: var(--accent); 
}

.footer-links {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.footer-links a {
  font-size: 1.05rem;  /* increased from 0.95rem */
  color: var(--gray);
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: color 0.2s;
}

.footer-links a:hover { 
  color: var(--white); 
}

.footer-legal {
  font-size: 1.05rem;  /* increased from 1rem */
  color: #888;  /* lighter */
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.25rem 2.5rem;
  border-top: 1px solid var(--border);
  line-height: 1.7;
}

.page-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: 1.5rem;
  align-items: stretch;
}

.page-hero-copy {
  min-width: 0;
}

.page-hero-date {
  margin-top: 0.45rem;
  margin-bottom: 0.45rem;
}

.tool-page-hero {
  grid-template-columns: 1fr;
  gap: 0.75rem;
  max-width: 860px;
}

.tool-page-hero h1 {
  font-size: clamp(3rem, 6vw, 5rem);
  line-height: 0.96;
  margin-bottom: 0.8rem;
}

.tool-page-hero .intro {
  max-width: 760px;
}

.page-hero-media {
  border: 1px solid var(--border);
  background: linear-gradient(180deg, #39414a 0%, #313840 100%);
  border-radius: 10px;
  padding: 0.75rem;
  box-shadow: 0 18px 38px rgba(0, 0, 0, 0.2);
}

.page-hero-media img {
  width: 100%;
  height: auto;
  min-height: 240px;
  object-fit: contain;
  border-radius: 7px;
  display: block;
}

.page-hero-media figcaption {
  margin-top: 0.7rem;
  color: #dbe2e8;
  font-size: 0.98rem;
  line-height: 1.62;
}

.inline-link {
  color: #9fcbff;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

@media (max-width: 980px) {
  .page-hero {
    grid-template-columns: 1fr;
  }
}

/* ANIMATIONS */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  animation: fadeUp 0.6s ease forwards;
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes scaleIn {
  from { transform: scale(0); }
  to { transform: scale(1); }
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.3; }
}

.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }
.delay-5 { animation-delay: 0.5s; }

/* CHECKMARK (used in thank-you page) */
.checkmark {
  width: 80px;
  height: 80px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 2rem;
  font-size: 2.5rem;
  color: var(--black);
  animation: scaleIn 0.4s ease;
}

/* RESPONSIVE */
@media (max-width: 1180px) {
  nav { 
    padding: 0.9rem 1rem;
    align-items: center;
    flex-wrap: wrap;
    padding-right: 4.9rem;
  }

  .logo {
    font-size: 1.6rem;
    max-width: calc(100% - 5.2rem);
  }

  .nav-toggle {
    display: inline-flex;
    margin-left: 0;
    position: absolute;
    right: 1rem;
    top: 50%;
    transform: translateY(-50%);
    z-index: 120;
  }

  nav ul.nav-links {
    display: none;
    width: 100%;
    flex-direction: column;
    gap: 0.2rem;
    padding-top: 0.75rem;
  }

  nav.nav-open ul.nav-links {
    display: flex;
  }

  nav ul li {
    width: 100%;
  }

  nav ul a {
    display: block;
    padding: 0.65rem 0.1rem;
    font-size: 1.16rem;
    letter-spacing: 0.01em;
  }

  .nav-cta {
    width: 100%;
    text-align: center;
    margin-top: 0.35rem;
    padding: 0.8rem 1.1rem;
  }

  .nav-dropdown {
    position: relative;
  }

  .nav-dropdown::after {
    display: none;
  }

  .nav-dropdown > a {
    padding-right: 2.1rem;
  }

  .nav-subtoggle {
    display: inline-block;
    position: absolute;
    top: 0.48rem;
    right: 0;
    width: 32px;
    height: 32px;
    background: transparent;
    border: 1px solid var(--border);
    border-radius: 4px;
    color: var(--gray);
    cursor: pointer;
  }

  .nav-subtoggle::before {
    content: '+';
    display: block;
    font-size: 1.1rem;
    line-height: 1;
    text-align: center;
    margin-top: 6px;
  }

  .nav-dropdown.open .nav-subtoggle::before {
    content: '-';
  }

  .nav-dropdown-menu {
    position: static;
    min-width: 0;
    width: 100%;
    margin-top: 0.25rem;
    padding: 0.35rem;
    box-shadow: none;
    border-radius: 6px;
    background: #313a44;
  }

  .nav-dropdown:hover .nav-dropdown-menu {
    display: none;
  }

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

  .nav-dropdown-menu a {
    padding: 0.6rem 0.5rem;
    font-size: 1.02rem;
  }
}

@media (max-width: 900px) {
  body { 
    font-size: 16px;
  }

  h1 {
    font-size: clamp(2.6rem, 12vw, 4rem);
    line-height: 0.95;
  }

  footer { 
    flex-direction: column; 
    align-items: flex-start; 
  }

  .rates-v2-card-grid,
  .rates-v2-card-grid-3,
  .rates-v2-example-box {
    grid-template-columns: 1fr;
  }
}

.last-updated {
  margin-top: 0.45rem;
  margin-bottom: 0.45rem;
  font-size: 0.98rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: #aebdd0;
}

.muted {
  color: #9ca8b5;
}

.update-note {
  margin-bottom: 1rem;
  color: #b9c7d5;
  line-height: 1.55;
}

.trust-block {
  margin: 1rem 0 1.25rem;
  background: #f6fbff;
  border: 1px solid #c9d7e5;
  border-left: 5px solid #8eaac4;
  border-radius: 8px;
  padding: 0.95rem 1rem;
}

.trust-block p {
  margin: 0;
  color: #2f475f;
  font-size: 1rem;
  line-height: 1.6;
}

.trust-meta {
  margin-top: 0.35rem;
  color: #49627b;
  font-size: 0.96rem;
}

.trust-block--editorial {
  margin-top: 0;
}

.guide-wrap .decision-links {
  margin-top: 1rem;
  padding: 1.4rem 1.5rem;
  border: 1px solid #d0d9e3;
  border-left: 5px solid #89a8c5;
  background: #f8fbff;
  border-radius: 8px;
}

.guide-wrap .decision-links h2 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  line-height: 1.15;
  letter-spacing: 0;
  text-transform: none;
  margin-bottom: 0.7rem;
  color: #1f2f40;
}

.guide-wrap .decision-links p,
.guide-wrap .decision-links li {
  color: #30475f;
  line-height: 1.82;
  font-size: 1.08rem;
}

.guide-wrap .decision-links ul {
  padding-left: 1.2rem;
  margin: 0.35rem 0 0;
}

.guide-wrap .decision-links a {
  color: #1f5a89;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.rates-v2-panel {
  margin-top: 1rem;
}

.rates-v2-actions {
  margin-top: 1rem;
}

.rates-v2-mini-meta {
  font-weight: 700;
  color: #466179;
}

.rates-v2-table-shell {
  overflow-x: auto;
  margin: 0.9rem 0 1rem;
}

.rates-v2-table {
  width: 100%;
  min-width: 420px;
  border-collapse: collapse;
  border: 1px solid #cad7e4;
  background: #f3f8fc;
}

.rates-v2-table th,
.rates-v2-table td {
  padding: 0.9rem 1rem;
  text-align: left;
  border-bottom: 1px solid #d6e1ea;
  color: #284055;
}

.rates-v2-table thead th {
  background: #e6eef6;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.84rem;
  color: #577089;
}

.rates-v2-table tbody tr:last-child td {
  border-bottom: none;
}

.rates-v2-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 0.9rem;
}

.rates-v2-card {
  background: #eef4fa;
  border: 1px solid #c7d5e2;
  border-top: 4px solid #8eaac4;
  border-radius: 8px;
  padding: 1.05rem 1rem;
}

.rates-v2-card h3 {
  margin-top: 0;
}

.rates-v2-card p {
  margin-bottom: 0.7rem;
}

.rates-v2-card-grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.rates-v2-example-box {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(280px, 0.8fr);
  gap: 1rem;
  align-items: stretch;
}

.rates-v2-example-copy p strong {
  color: #20364c;
}

.rates-v2-example-metric {
  background: linear-gradient(180deg, #273443 0%, #22303d 100%);
  border: 1px solid #6f8092;
  border-top: 4px solid var(--accent);
  border-radius: 8px;
  padding: 1.1rem;
  box-shadow: 0 14px 28px rgba(14, 20, 28, 0.24);
}

.rates-v2-example-label {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #dbe7f2;
}

.rates-v2-example-value {
  margin: 0.55rem 0 0.7rem;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1;
  color: #ffffff;
  text-shadow: 0 1px 0 rgba(0, 0, 0, 0.22);
}

.rates-v2-example-metric p {
  color: #eef5fb;
  font-size: 1rem;
  line-height: 1.7;
  opacity: 1;
}

.guide-wrap .content-section .rates-v2-example-metric p,
.guide-wrap .content-section .rates-v2-example-metric li {
  color: #eef5fb;
}

.rates-v2-cta {
  margin-top: 1rem;
}

.quick-answer {
  margin: 0.75rem 0 1.25rem;
  background: #3b4654;
  border: 1px solid #5d6f83;
  border-left: 4px solid #9fc0de;
  border-radius: 6px;
  padding: 0.95rem 1rem;
}

.quick-answer h2 {
  font-size: 1.45rem;
  line-height: 1.15;
  margin-bottom: 0.55rem;
  color: #f4f8fe;
}

.quick-answer p {
  color: #e4edf7;
  margin-bottom: 0.5rem;
  line-height: 1.6;
}

.quick-answer ul {
  margin: 0.35rem 0 0.4rem;
  padding-left: 1.15rem;
}

.quick-answer li {
  color: #d8e6f4;
  margin: 0.2rem 0;
  line-height: 1.55;
}

.quick-answer .next-step {
  margin-top: 0.5rem;
  color: #cde0f3;
  font-size: 0.98rem;
}

.quick-answer-block {
  display: block;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.choice-card {
  background: #3f4c5a;
  border: 1px solid #617286;
  border-top: 2px solid var(--accent);
  border-radius: 6px;
  padding: 1rem 1rem 0.9rem;
}

.choice-card h3 {
  margin-bottom: 0.55rem;
  color: #f3f8fe;
}

.choice-card p,
.choice-card li {
  color: #e0e9f2;
}

.choice-card .inline-link {
  color: #b9ddff;
}

.choice-card ul {
  margin: 0;
}

@media (max-width: 900px) {
  .choice-grid {
    grid-template-columns: 1fr;
  }
}

/* advice card*/
.advice-card{
  margin-top: 2.5rem;
  background: var(--dark);
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent);
  padding: 2rem;
}

.advice-label{
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: #1a2a1e;
  margin-bottom: .85rem;
  display: inline-block;
  background: var(--accent);
  padding: .35rem .6rem;
  border-radius: 4px;
}

.advice-card h3{
  font-family: 'Barlow', sans-serif;
  font-size: 1.68rem;
  font-weight: 800;
  text-transform: none;
  letter-spacing: 0.015em;
  line-height: 1.3;
  margin-bottom: .75rem;
}

.advice-card p{
  color: #d0d0d0;
  line-height: 1.7;
}

.advice-buttons{
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1rem;
}

.advice-note{
  margin-top: .75rem;
  font-size: .9rem;
  color: #bdbdbd;
}

.cta-card {
  display: block;
}

.faq-block {
  display: block;
}

@media (max-width: 600px) {
  .btn {
    width: 100%;
    text-align: center;
  }
}