:root {
  --ink: #0e1726;
  --ink-2: #3a4658;
  --muted: #6b7789;
  --bg: #f6f7fb;
  --card: #ffffff;
  --tint: #eef1fb;
  --line: #e3e7f0;

  --mint: #19c98b;
  --lime: #c8f04a;
  --violet: #6c5cff;
  --coral: #ff5d6c;
  --amber: #ffb547;

  --need: #6c5cff;
  --want: #ffb547;
  --save: #19c98b;

  --radius: 22px;
  --radius-sm: 14px;
  --shadow: 0 1px 2px rgba(14, 23, 38, .04), 0 12px 32px -12px rgba(14, 23, 38, .14);
  --shadow-lg: 0 30px 60px -20px rgba(14, 23, 38, .3);
  --ease-out: cubic-bezier(.22, 1, .36, 1);

  --font-head: "Unbounded", "Manrope", system-ui, sans-serif;
  --font: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { margin: 0; line-height: 1.15; }
p { margin: 0; }
button { font: inherit; cursor: pointer; }
a { color: inherit; }

.container { width: min(1180px, 100% - 40px); margin-inline: auto; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 15px 26px;
  border-radius: 999px;
  border: 0;
  font-weight: 700;
  font-size: 16px;
  text-decoration: none;
  transition: transform .16s var(--ease-out), box-shadow .2s, background .2s;
}
.btn:active { transform: scale(.97); }
.btn--primary { background: var(--ink); color: #fff; box-shadow: 0 10px 24px -10px rgba(14,23,38,.6); }
.btn--primary:hover { background: #1d2a40; }
.btn--ghost { background: rgba(255,255,255,.7); color: var(--ink); border: 1px solid var(--line); backdrop-filter: blur(8px); }
.btn--ghost:hover { background: #fff; }
.btn--danger { background: var(--coral); color: #fff; }
.btn--safe { background: var(--mint); color: #fff; }
.btn--danger:hover, .btn--safe:hover { filter: brightness(1.05); }

/* ===== Nav ===== */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 50;
  transition: background .3s, box-shadow .3s;
}
.nav.is-scrolled { background: rgba(246,247,251,.82); backdrop-filter: blur(14px); box-shadow: 0 1px 0 var(--line); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo__mark {
  display: grid; place-items: center;
  width: 40px; height: 40px; border-radius: 12px;
  background: var(--ink); color: var(--lime);
  font-family: var(--font-head); font-weight: 800; font-size: 20px;
}
.logo__text { font-family: var(--font-head); font-weight: 700; font-size: 12px; line-height: 1.15; text-transform: uppercase; letter-spacing: .02em; }
.logo--light .logo__mark { background: var(--lime); color: var(--ink); }
.logo--light .logo__text { color: #fff; }
.nav__links { display: flex; gap: 4px; }
.nav__links a {
  text-decoration: none; font-weight: 600; font-size: 15px;
  padding: 8px 14px; border-radius: 999px; color: var(--ink-2);
  transition: background .2s, color .2s;
}
.nav__links a:hover { background: #fff; color: var(--ink); }
.nav__burger { display: none; background: none; border: 0; width: 44px; height: 44px; position: relative; }
.nav__burger span { position: absolute; left: 11px; right: 11px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s var(--ease-out); }
.nav__burger span:first-child { top: 17px; }
.nav__burger span:last-child { top: 25px; }
.nav__burger[aria-expanded="true"] span:first-child { transform: translateY(4px) rotate(45deg); }
.nav__burger[aria-expanded="true"] span:last-child { transform: translateY(-4px) rotate(-45deg); }

/* ===== Hero ===== */
.hero { position: relative; overflow: hidden; padding: 140px 0 90px; }
.hero__bg { position: absolute; inset: 0; pointer-events: none; }
.blob { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; }
.blob--1 { width: 520px; height: 520px; background: #c7bfff; top: -160px; right: -80px; }
.blob--2 { width: 420px; height: 420px; background: #b6f5d8; bottom: -160px; left: -120px; }
.blob--3 { width: 300px; height: 300px; background: #e9fbb0; top: 40%; left: 45%; }
.hero__inner { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: center; }
.pill {
  display: inline-block; padding: 8px 14px; border-radius: 999px;
  background: rgba(255,255,255,.75); border: 1px solid var(--line);
  font-size: 13px; font-weight: 700; color: var(--ink-2);
}
.hero__title {
  font-family: var(--font-head); font-weight: 800;
  font-size: clamp(36px, 5.4vw, 66px);
  letter-spacing: -.02em;
  margin: 22px 0 22px;
}
.grad {
  background: linear-gradient(100deg, var(--violet), #19b98b 70%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero__lead { font-size: 19px; color: var(--ink-2); max-width: 540px; }
.hero__actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 34px; }

.hero__visual { position: relative; height: 460px; }
.card-float {
  position: absolute;
  background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 20px 22px;
  animation: float 6s ease-in-out infinite;
}
.card-float--wallet { top: 20px; left: 10%; width: 300px; background: var(--ink); color: #fff; }
.card-float--goal { top: 215px; right: 0; width: 280px; display: flex; gap: 14px; align-items: center; animation-delay: -2s; }
.card-float--alert { bottom: 10px; left: 0; width: 300px; display: flex; gap: 14px; align-items: center; animation-delay: -4s; }
.cf__label { font-size: 13px; font-weight: 700; opacity: .75; }
.cf__sum { font-family: var(--font-head); font-size: 34px; font-weight: 700; margin: 6px 0 16px; }
.cf__bar { display: flex; gap: 4px; height: 10px; }
.cf__bar span { border-radius: 6px; }
.cf__bar span:nth-child(1) { background: var(--violet); }
.cf__bar span:nth-child(2) { background: var(--amber); }
.cf__bar span:nth-child(3) { background: var(--lime); }
.cf__legend { display: flex; gap: 14px; margin-top: 10px; font-size: 12px; opacity: .7; }
.cf__legend i { font-style: normal; }
.cf__icon { flex: none; display: grid; place-items: center; width: 50px; height: 50px; border-radius: 14px; background: var(--tint); font-size: 24px; }
.cf__icon--red { background: #ffe5e8; color: var(--coral); font-weight: 800; }
.cf__progress { height: 8px; background: var(--tint); border-radius: 6px; margin: 8px 0 6px; overflow: hidden; }
.cf__progress span { display: block; width: 68%; height: 100%; background: var(--mint); border-radius: 6px; }
.cf__small { font-size: 13px; color: var(--muted); }
.card-float--alert .cf__label { opacity: 1; }
.coin {
  position: absolute; display: grid; place-items: center;
  border-radius: 50%; font-family: var(--font-head); font-weight: 800;
  background: radial-gradient(circle at 30% 30%, #f6ff9c, var(--lime) 60%, #a5cf21);
  color: var(--ink); box-shadow: 0 14px 30px -10px rgba(120,160,0,.6);
  animation: float 5s ease-in-out infinite;
}
.coin--1 { width: 64px; height: 64px; font-size: 26px; top: 0; right: 12%; animation-delay: -1s; }
.coin--2 { width: 44px; height: 44px; font-size: 18px; bottom: 40px; right: 10%; animation-delay: -3s; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

/* ===== Sections ===== */
.section { padding: 100px 0; }
.section--tint { background: var(--tint); }
.section--dark { background: var(--ink); color: #fff; }
.section__head { max-width: 720px; margin-bottom: 48px; }
.section__head h2 { font-family: var(--font-head); font-weight: 700; font-size: clamp(28px, 3.6vw, 44px); letter-spacing: -.02em; margin: 14px 0 14px; }
.section__head p { font-size: 18px; color: var(--muted); }
.section__head--light p { color: rgba(255,255,255,.65); }
.eyebrow {
  display: inline-block; font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase;
  color: var(--violet); background: rgba(108,92,255,.1); padding: 6px 12px; border-radius: 999px;
}
.eyebrow--light { color: var(--lime); background: rgba(200,240,74,.12); }

/* ===== About ===== */
.about { padding-top: 20px; }
.about__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.about__card { background: var(--card); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.about__num { font-family: var(--font-head); font-weight: 800; font-size: 14px; color: var(--violet); margin-bottom: 18px; }
.about__card h3 { font-family: var(--font-head); font-size: 22px; font-weight: 700; margin-bottom: 10px; }
.about__card p { color: var(--ink-2); }
.about__card:nth-child(3) { background: var(--ink); color: #fff; }
.about__card:nth-child(3) p { color: rgba(255,255,255,.75); }
.about__card:nth-child(3) .about__num { color: var(--lime); }

/* ===== Problems ===== */
.problems { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.problem {
  background: var(--card); border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow); display: flex; flex-direction: column; gap: 10px;
  transition: transform .3s var(--ease-out), box-shadow .3s;
}
.problem:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.problem__icon { font-size: 30px; width: 58px; height: 58px; display: grid; place-items: center; background: var(--tint); border-radius: 16px; margin-bottom: 6px; }
.problem h3 { font-size: 20px; font-weight: 800; }
.problem p { color: var(--ink-2); flex: 1; }
.problem__fix { margin-top: 8px; padding: 12px 14px; background: #e8faf2; border-radius: 12px; font-size: 14px; color: #0b6b49; }

.survey {
  margin-top: 40px; display: grid; grid-template-columns: .8fr 1.2fr; gap: 40px; align-items: center;
  background: var(--card); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow);
}
.survey h3 { font-family: var(--font-head); font-size: 24px; font-weight: 700; margin-bottom: 12px; }
.survey p { color: var(--muted); }
.survey__meta { margin-top: 16px; font-size: 14px; }
.survey__chart { display: flex; flex-direction: column; gap: 16px; }
.srow__label { display: flex; justify-content: space-between; gap: 16px; font-weight: 600; font-size: 15px; margin-bottom: 6px; }
.srow__label b { font-family: var(--font-head); color: var(--violet); }
.srow__track { height: 12px; background: var(--tint); border-radius: 8px; overflow: hidden; }
.srow__fill { height: 100%; width: 0; border-radius: 8px; background: linear-gradient(90deg, var(--violet), #9b8cff); transition: width 1.1s var(--ease-out); }

/* ===== Tabs ===== */
.tabs { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 28px; }
.tab {
  display: flex; align-items: center; gap: 8px;
  padding: 12px 20px; border-radius: 999px; border: 1px solid var(--line);
  background: #fff; font-weight: 700; color: var(--ink-2);
  transition: background .2s, color .2s, transform .16s var(--ease-out);
}
.tab:active { transform: scale(.97); }
.tab.is-active { background: var(--ink); color: #fff; border-color: var(--ink); }
.tabpanel { display: none; }
.tabpanel.is-active { display: block; animation: fadeUp .45s var(--ease-out); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.tip-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.tip { background: #fff; border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.tip b {
  display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px;
  background: var(--lime); font-family: var(--font-head); font-size: 15px; margin-bottom: 16px;
}
.tip h4 { font-size: 18px; font-weight: 800; margin-bottom: 8px; }
.tip p { color: var(--ink-2); font-size: 15px; }
.link-cta { display: inline-block; margin-top: 24px; font-weight: 800; color: var(--violet); text-decoration: none; }
.link-cta:hover { text-decoration: underline; }

/* ===== Fields ===== */
.field { display: flex; flex-direction: column; gap: 6px; }
.field > span { font-size: 14px; font-weight: 700; color: var(--ink-2); }
.field__input {
  display: flex; align-items: center; background: var(--bg); border: 1.5px solid var(--line);
  border-radius: var(--radius-sm); padding: 0 14px; transition: border-color .2s, background .2s;
}
.field__input:focus-within { border-color: var(--violet); background: #fff; }
.field__input input { flex: 1; min-width: 0; border: 0; background: none; outline: none; font: inherit; font-weight: 700; font-size: 17px; padding: 12px 0; color: var(--ink); }
.field__input em { font-style: normal; color: var(--muted); font-weight: 700; }
input[type=number]::-webkit-inner-spin-button { opacity: .4; }

/* ===== Budget ===== */
.budget { display: grid; grid-template-columns: 1.1fr .9fr; gap: 24px; }
.budget__form, .budget__result { background: #fff; border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.budget__form { display: grid; gap: 22px; }
.field--income .field__input { background: #f3f1ff; border-color: #d9d3ff; }
.field--income .field__input input { font-size: 24px; font-family: var(--font-head); }
.budget__group { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; }
.budget__group-title { grid-column: 1 / -1; display: flex; align-items: center; gap: 8px; font-weight: 800; }
.dot { width: 12px; height: 12px; border-radius: 50%; display: inline-block; }
.dot--need { background: var(--need); }
.dot--want { background: var(--want); }
.dot--save { background: var(--save); }
.dot--left { background: #d7dbe6; }

.budget__result { display: flex; flex-direction: column; align-items: center; gap: 24px; position: sticky; top: 96px; align-self: start; }
.donut {
  --need-p: 0; --want-p: 0; --save-p: 0;
  width: 230px; height: 230px; border-radius: 50%; position: relative;
  background: conic-gradient(
    var(--need) 0 calc(var(--need-p) * 1%),
    var(--want) 0 calc((var(--need-p) + var(--want-p)) * 1%),
    var(--save) 0 calc((var(--need-p) + var(--want-p) + var(--save-p)) * 1%),
    #e6e9f1 0 100%
  );
  transition: background .4s;
}
.donut__center {
  position: absolute; inset: 34px; border-radius: 50%; background: #fff;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.donut__center span { font-size: 13px; color: var(--muted); font-weight: 700; }
.donut__center strong { font-family: var(--font-head); font-size: 26px; }
.donut__center strong.is-neg { color: var(--coral); }
.compare { list-style: none; margin: 0; padding: 0; width: 100%; display: grid; gap: 12px; }
.compare li { display: grid; grid-template-columns: auto 1fr auto; gap: 10px; align-items: center; font-size: 15px; }
.compare li b { font-weight: 800; }
.compare small { color: var(--muted); font-weight: 600; }
.verdict { width: 100%; padding: 16px 18px; border-radius: var(--radius-sm); font-size: 15px; font-weight: 600; }
.verdict--good { background: #e8faf2; color: #0b6b49; }
.verdict--warn { background: #fff4e0; color: #8a5300; }
.verdict--bad { background: #ffe8ea; color: #a1182a; }

/* ===== Goal ===== */
.goal__presets { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 20px; }
.goal__presets button {
  padding: 10px 18px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-weight: 700;
  transition: transform .16s var(--ease-out), border-color .2s;
}
.goal__presets button:hover { border-color: var(--violet); }
.goal__presets button:active { transform: scale(.96); }
.goal__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.goal__inputs { background: #fff; border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); display: grid; gap: 18px; align-content: start; }
.field--range b { color: var(--violet); font-family: var(--font-head); }
input[type=range] { width: 100%; accent-color: var(--violet); height: 28px; }
.goal__card {
  border-radius: var(--radius); padding: 36px; color: #fff; text-align: center;
  background: linear-gradient(145deg, #6c5cff, #3a2fb8);
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.goal__card::after { content: ""; position: absolute; width: 300px; height: 300px; border-radius: 50%; background: rgba(200,240,74,.2); top: -120px; right: -120px; filter: blur(20px); }
.goal__emoji { font-size: 56px; }
.goal__title { font-family: var(--font-head); font-size: 22px; margin-top: 6px; }
.goal__time { margin: 18px 0 4px; display: flex; align-items: baseline; justify-content: center; gap: 10px; }
.goal__time span { font-family: var(--font-head); font-size: 72px; font-weight: 800; line-height: 1; color: var(--lime); }
.goal__time small { font-size: 20px; font-weight: 700; }
.goal__date { opacity: .75; }
.goal__bar { height: 12px; background: rgba(255,255,255,.2); border-radius: 8px; margin: 26px 0 8px; overflow: hidden; }
.goal__bar span { display: block; height: 100%; width: 0; background: var(--lime); border-radius: 8px; transition: width .5s var(--ease-out); }
.goal__pct { font-size: 14px; opacity: .85; }
.goal__hint { margin-top: 20px; padding: 14px; border-radius: 14px; background: rgba(255,255,255,.12); font-size: 15px; position: relative; z-index: 1; }

/* ===== Scam ===== */
.scam { max-width: 560px; margin-inline: auto; }
.scam__progress { height: 6px; background: rgba(255,255,255,.12); border-radius: 6px; margin-bottom: 24px; overflow: hidden; }
.scam__progress span { display: block; height: 100%; width: 0; background: var(--lime); transition: width .4s var(--ease-out); }
.phone { background: #1a2638; border: 1px solid rgba(255,255,255,.08); border-radius: 28px; overflow: hidden; }
.phone__top { display: flex; gap: 12px; align-items: center; padding: 18px 22px; border-bottom: 1px solid rgba(255,255,255,.08); }
.phone__avatar { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: #2c3b54; font-size: 20px; }
.phone__from { font-weight: 800; }
.phone__channel { font-size: 13px; opacity: .55; }
.phone__body { padding: 26px 22px 30px; min-height: 150px; }
.bubble { background: #26354d; padding: 16px 18px; border-radius: 6px 20px 20px 20px; font-size: 16px; line-height: 1.5; animation: fadeUp .4s var(--ease-out); }
.scam__actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 20px; }
.scam__feedback, .scam__final { margin-top: 20px; background: #1a2638; border-radius: 22px; padding: 24px; animation: fadeUp .4s var(--ease-out); }
.scam__feedback p, .scam__final p { opacity: .8; margin: 8px 0 18px; }
.scam__verdict { font-family: var(--font-head); font-size: 20px; }
.scam__verdict.ok { color: var(--lime); }
.scam__verdict.no { color: #ff8a95; }
.scam__final { text-align: center; }
.scam__score { font-family: var(--font-head); font-size: 56px; color: var(--lime); font-weight: 800; }

/* ===== Quiz ===== */
.quiz { max-width: 760px; margin-inline: auto; background: #fff; border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); }
.quiz__start, .quiz__result { text-align: center; }
.quiz__start-icon { font-size: 60px; margin-bottom: 10px; }
.quiz__start p { color: var(--ink-2); margin-bottom: 24px; }
.quiz__meta { display: flex; align-items: center; gap: 16px; font-weight: 800; color: var(--muted); font-size: 14px; margin-bottom: 20px; }
.quiz__bar { flex: 1; height: 8px; background: var(--tint); border-radius: 6px; overflow: hidden; }
.quiz__bar span { display: block; height: 100%; width: 0; background: var(--violet); transition: width .4s var(--ease-out); }
.quiz__q h3 { font-size: 22px; font-weight: 800; margin-bottom: 22px; }
.quiz__options { display: grid; gap: 10px; }
.opt {
  text-align: left; padding: 16px 18px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--line); background: var(--bg); font-weight: 600; font-size: 16px; color: var(--ink);
  transition: border-color .2s, background .2s, transform .16s var(--ease-out);
}
.opt:hover:not(:disabled) { border-color: var(--violet); background: #fff; }
.opt:active:not(:disabled) { transform: scale(.99); }
.opt:disabled { cursor: default; }
.opt.is-right { border-color: var(--mint); background: #e8faf2; }
.opt.is-wrong { border-color: var(--coral); background: #ffe8ea; }
.quiz__explain { margin-top: 18px; padding: 16px; border-radius: var(--radius-sm); background: var(--tint); color: var(--ink-2); font-size: 15px; }
#quizNext { margin-top: 20px; }
.ring {
  --p: 0;
  width: 150px; height: 150px; border-radius: 50%; margin: 0 auto 20px;
  background: conic-gradient(var(--violet) calc(var(--p) * 1%), var(--tint) 0);
  display: grid; place-items: center; position: relative;
}
.ring::before { content: ""; position: absolute; inset: 14px; background: #fff; border-radius: 50%; }
.ring span { position: relative; font-family: var(--font-head); font-size: 34px; font-weight: 800; }
.quiz__result h3 { font-family: var(--font-head); font-size: 26px; margin-bottom: 12px; }
.quiz__result p { color: var(--ink-2); margin-bottom: 24px; max-width: 520px; margin-inline: auto; }

/* ===== Checklist ===== */
.checklist { max-width: 760px; margin-inline: auto; background: #fff; border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.checklist__progress { display: flex; align-items: center; gap: 18px; margin-bottom: 20px; }
.checklist__count { font-family: var(--font-head); font-size: 22px; font-weight: 700; white-space: nowrap; }
.checklist__bar { flex: 1; height: 10px; background: var(--tint); border-radius: 6px; overflow: hidden; }
.checklist__bar span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--mint), var(--lime)); transition: width .4s var(--ease-out); }
.checklist ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.checklist label { display: flex; align-items: center; gap: 14px; padding: 12px 14px; border-radius: 12px; cursor: pointer; transition: background .2s; font-weight: 600; }
.checklist label:hover { background: var(--bg); }
.checklist input { appearance: none; flex: none; width: 24px; height: 24px; border-radius: 8px; border: 2px solid #c9cfdc; display: grid; place-items: center; transition: background .2s, border-color .2s; cursor: pointer; }
.checklist input::after { content: "✓"; color: #fff; font-weight: 800; font-size: 14px; transform: scale(0); transition: transform .2s var(--ease-out); }
.checklist input:checked { background: var(--mint); border-color: var(--mint); }
.checklist input:checked::after { transform: scale(1); }
.checklist input:checked + span { color: var(--muted); text-decoration: line-through; }

/* ===== Solutions ===== */
.solutions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.solution { padding: 28px; border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.solution span { font-size: 34px; }
.solution h4 { font-size: 19px; font-weight: 800; margin: 12px 0 8px; }
.solution p { color: var(--ink-2); }

/* ===== Footer ===== */
.footer { background: var(--ink); color: rgba(255,255,255,.75); padding: 60px 0; }
.footer__inner { display: grid; gap: 16px; }
.footer__small { font-size: 14px; opacity: .6; }

/* ===== Reveal ===== */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
.reveal.is-visible { opacity: 1; transform: none; }

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .tip-grid { grid-template-columns: repeat(2, 1fr); }
  .problems, .solutions { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 880px) {
  .nav__links {
    position: absolute; top: 72px; left: 16px; right: 16px;
    flex-direction: column; background: #fff; padding: 12px; border-radius: 18px; box-shadow: var(--shadow-lg);
    opacity: 0; transform: translateY(-8px); pointer-events: none;
    transition: opacity .2s, transform .2s var(--ease-out);
  }
  .nav__links.is-open { opacity: 1; transform: none; pointer-events: auto; }
  .nav__links a { padding: 12px 14px; }
  .nav__burger { display: block; }
  .hero { padding-top: 110px; }
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { height: 420px; max-width: 460px; width: 100%; margin-inline: auto; }
  .about__grid, .survey, .budget, .goal__grid { grid-template-columns: 1fr; }
  .budget__result { position: static; }
  .section { padding: 70px 0; }
}
@media (max-width: 600px) {
  .problems, .solutions, .tip-grid { grid-template-columns: 1fr; }
  .card-float--wallet { left: 0; width: 260px; }
  .card-float--goal { width: 250px; }
  .card-float--alert { width: 270px; }
  .quiz, .survey, .budget__form, .budget__result, .goal__inputs, .checklist { padding: 24px; }
  .goal__time span { font-size: 56px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}