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

body {
  font-family: Arial, sans-serif;
  background: #f7f3eb;
  color: #2b241f;
  line-height: 1.6;
}

.navbar {
  height: 85px;
  padding: 0 7%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #f7f3eb;
  border-bottom: 1px solid #ddd2c2;
  position: sticky;
  top: 0;
  z-index: 10;
}

.logo {
  font-weight: bold;
  font-size: 15px;
  line-height: 1;
}

.logo span {
  font-weight: normal;
}

nav a {
  margin-left: 30px;
  text-decoration: none;
  color: #2b241f;
  font-size: 15px;
}

.hero {
  min-height: 620px;
  padding: 90px 7%;
  background: linear-gradient(to right, #f7f3eb 0%, #f7f3eb 50%, #efe7d8 100%);
  display: flex;
  align-items: center;
}

.hero-text {
  max-width: 720px;
}

.hero h1 {
  font-size: 64px;
  line-height: 1.05;
  font-weight: 400;
  letter-spacing: -2px;
  text-transform: uppercase;
}

.hero p {
  margin-top: 30px;
  max-width: 680px;
  font-size: 17px;
}

.btn {
  display: inline-block;
  margin-top: 30px;
  background: #8b5e34;
  color: white;
  padding: 14px 26px;
  border-radius: 4px;
  text-decoration: none;
  font-weight: bold;
}

.services {
  padding: 80px 7%;
}

.services h2 {
  font-size: 46px;
  font-weight: 400;
  margin-bottom: 45px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  padding: 38px;
  min-height: 240px;
}

.service-card h3 {
  font-size: 24px;
  margin-bottom: 20px;
}

.service-card p {
  margin-bottom: 25px;
}

.service-card a {
  color: #2b241f;
  font-weight: bold;
}

.light {
  background: #e8ece9;
}

.brown {
  background: #b18a5b;
}

.split-section {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  min-height: 550px;
}

.split-text {
  padding: 90px 7%;
  background: #f7f3eb;
}

.split-text h2 {
  font-size: 48px;
  line-height: 1.1;
  font-weight: 400;
  margin-bottom: 25px;
}

.split-text p {
  margin-bottom: 18px;
}

.split-image {
  background: #e9dfbb;
  display: flex;
  align-items: center;
  justify-content: center;
}

.split-image img {
  width: 70%;
  max-height: 360px;
  object-fit: cover;
}

.ticker {
  background: #7b542f;
  color: white;
  padding: 18px 0;
  overflow: hidden;
  white-space: nowrap;
  font-weight: bold;
  text-transform: uppercase;
}

.ticker span {
  display: inline-block;
  animation: scroll 22s linear infinite;
}

@keyframes scroll {
  from {
    transform: translateX(100%);
  }

  to {
    transform: translateX(-100%);
  }
}

.education {
  padding: 85px 7%;
  background: #3b2a1d;
  color: white;
}

.education h2 {
  font-size: 46px;
  font-weight: 400;
  margin-bottom: 45px;
}

.education-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 45px;
}

.education h3 {
  font-size: 26px;
  margin-bottom: 15px;
}

.cta {
  text-align: center;
  padding: 100px 7%;
  background: #f7f3eb;
}

.cta h2 {
  font-size: 50px;
  font-weight: 400;
}

.cta p {
  margin-top: 15px;
  font-size: 18px;
}

.btn.dark {
  background: #3b2a1d;
}

footer {
  padding: 60px 7% 30px;
  background: #f7f3eb;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 2fr;
  gap: 40px;
  margin-bottom: 40px;
}

.disclaimer {
  font-size: 13px;
  color: #5c5148;
  max-width: 900px;
}

.copyright {
  margin-top: 25px;
  font-size: 13px;
}

/* Tools Page */

.tools-hero {
  padding: 90px 7%;
  background: #3b2a1d;
  color: white;
}

.tools-hero h1 {
  font-size: 56px;
  font-weight: 400;
  margin-bottom: 20px;
}

.tools-hero p {
  max-width: 750px;
  font-size: 18px;
}

.calculator-section {
  padding: 90px 7%;
  background: #f7f3eb;
}

.calculator-section h2 {
  font-size: 46px;
  font-weight: 400;
  margin-bottom: 10px;
}

.calculator-intro {
  max-width: 750px;
  margin-bottom: 45px;
  font-size: 17px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 45px;
  align-items: start;
}

.calculator-form {
  background: white;
  padding: 30px;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
}

.calculator-form h3 {
  margin-bottom: 25px;
  font-size: 24px;
}

.calculator-form label {
  display: block;
  margin-top: 15px;
  margin-bottom: 6px;
  font-weight: bold;
  font-size: 14px;
}

.calculator-form input {
  width: 100%;
  padding: 12px;
  border: 1px solid #c7c0b5;
  border-radius: 6px;
  font-size: 16px;
}

.calculator-form button {
  margin-top: 25px;
  width: 100%;
  background: #8b5e34;
  color: white;
  border: none;
  padding: 15px;
  border-radius: 6px;
  font-weight: bold;
  cursor: pointer;
}

.calculator-results {
  background: white;
  padding: 35px;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
}

.big-number {
  font-size: 44px;
  font-weight: bold;
  color: #3b2a1d;
  margin: 15px 0 25px;
}

.summary-boxes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 35px;
}

.summary-boxes div {
  background: #e8ece9;
  padding: 18px;
  border-radius: 10px;
}

.summary-boxes span {
  display: block;
  font-size: 13px;
  margin-bottom: 8px;
}

.summary-boxes strong {
  font-size: 20px;
}

#retirementChart {
  max-height: 420px;
}

@media (max-width: 900px) {
  nav {
    display: none;
  }

  .hero h1 {
    font-size: 42px;
  }

  .service-grid,
  .split-section,
  .education-grid,
  .footer-grid,
  .calculator-layout,
  .summary-boxes {
    grid-template-columns: 1fr;
  }

  .split-image img {
    width: 90%;
    margin: 50px 0;
  }

  .tools-hero h1 {
    font-size: 40px;
  }

  .big-number {
    font-size: 34px;
  }
}
.tools-menu {
  padding: 80px 7%;
  background: #f7f3eb;
}

.tools-menu h2 {
  font-size: 46px;
  font-weight: 400;
  margin-bottom: 10px;
}

.tool-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 25px;
  margin-top: 35px;
}

.tool-card {
  text-align: left;
  background: white;
  padding: 30px;
  border: none;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
  cursor: pointer;
}

.tool-card h3 {
  font-size: 24px;
  margin-bottom: 12px;
}

.tool-card p {
  color: #5c5148;
}

.tool-card:hover {
  transform: translateY(-4px);
  transition: 0.2s ease;
}

.hidden {
  display: none;
}

.tool-section.active {
  display: block;

}.credit-card-input {
  border: 1px solid #ddd2c2;
  padding: 18px;
  border-radius: 10px;
  margin-top: 20px;
  background: #f7f3eb;
}

.credit-card-input h4 {
  margin-bottom: 12px;
}

.table-wrapper {
  margin-top: 20px;
  overflow-x: auto;
}

#payoffScheduleTable {
  width: 100%;
  border-collapse: collapse;
  margin-top: 15px;
  font-size: 14px;
}

#payoffScheduleTable th,
#payoffScheduleTable td {
  border-bottom: 1px solid #ddd2c2;
  padding: 10px;
  text-align: left;
}

#payoffScheduleTable th {
  background: #e8ece9;
}

.schedule-title {
  margin-top: 35px;
}

#strategyComparison {
  background: #e8ece9;
  padding: 18px;
  border-radius: 10px;
  margin: 15px 0 25px;
}
.modal {
  display: none;
  position: fixed;
  z-index: 999;
  left: 0;
  top: 0;
  width: 100%;
  height: 100%;
  background: rgba(43, 36, 31, 0.75);
}

.modal-content {
  background: #f7f3eb;
  margin: 5% auto;
  padding: 35px;
  width: 90%;
  max-width: 600px;
  border-radius: 14px;
  position: relative;
  box-shadow: 0 8px 24px rgba(0,0,0,0.25);
}

.modal-content h2 {
  margin-bottom: 10px;
}

.modal-content p {
  margin-bottom: 25px;
}

.modal-content form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.modal-content input,
.modal-content select,
.modal-content textarea {
  padding: 14px;
  border: 1px solid #c7c0b5;
  border-radius: 6px;
  font-size: 16px;
}

.modal-content button {
  background: #8b5e34;
  color: white;
  border: none;
  padding: 15px;
  border-radius: 6px;
  font-weight: bold;
  cursor: pointer;
}

.close {
  position: absolute;
  right: 22px;
  top: 15px;
  font-size: 30px;
  cursor: pointer;
}