:root{
  --bg:#06070a;
  --card:#0b1220;
  --accent:#60a5fa;
  --muted:#94a3b8;
  --radius:12px;
  --text:#e6eef9;
}
*{box-sizing:border-box}
body{font-family:Inter,system-ui,Segoe UI,Roboto,Arial,sans-serif;background:#000;margin:0;color:var(--text);-webkit-font-smoothing:antialiased;min-height:100vh}
.container{width:min(100%,calc(100vw - 4cm));max-width:calc(100vw - 4cm);margin:360px auto 40px;padding:36px 32px;background:rgba(11,18,32,0.84);border:1px solid rgba(255,255,255,0.14);border-radius:24px;backdrop-filter:blur(24px);position:relative;z-index:1}
header h1{margin:0 0 6px;font-size:1.8rem;color:var(--text)}
header p{margin:0 0 18px;color:var(--muted)}
.ages,.form{display:flex;gap:16px;margin-bottom:22px;flex-wrap:wrap}
label{display:flex;flex-direction:column;background:linear-gradient(180deg, rgba(255,255,255,0.02), rgba(255,255,255,0.01));padding:18px;border-radius:var(--radius);flex:1;min-width:220px;border:1px solid rgba(255,255,255,0.03)}
input{font-size:1rem;padding:12px;border:1px solid rgba(255,255,255,0.06);border-radius:10px;margin-top:10px;background:transparent;color:var(--text)}
.actions{display:flex;gap:12px;align-items:center}
button{background:linear-gradient(180deg,var(--accent),#3b82f6);color:#071022;border:0;padding:12px 18px;border-radius:12px;cursor:pointer;font-weight:700;letter-spacing:0.01em;box-shadow:0 10px 26px rgba(96,165,250,0.18)}
.info-btn{width:20px;height:20px;border-radius:50%;border:none;background:#e6eef9;color:#1d4ed8;font-weight:700;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;margin-left:8px;font-size:0.72rem;line-height:1;min-width:0;min-height:0;padding:0;touch-action:manipulation;z-index:30}
.results{background:linear-gradient(180deg, rgba(255,255,255,0.02), rgba(255,255,255,0.01));padding:22px;border-radius:16px;border:1px solid rgba(255,255,255,0.04);margin-top:18px}
.results h2{margin:0 0 10px}
.result-label{margin:0 0 6px;font-size:0.95rem;color:var(--muted);letter-spacing:0.02em;text-transform:uppercase}
.result-large{margin:0 0 14px;font-size:1.25rem;font-weight:800;line-height:1.2;color:#ffffff}
.result-secondary{margin:0;font-size:1rem;color:var(--muted);line-height:1.6}
.growth-chart{display:block;width:100%;max-width:100%;height:240px;margin-top:18px;border-radius:16px;background:#05101e;border:1px solid rgba(255,255,255,0.08)}
footer{margin-top:14px;color:var(--muted);font-size:0.9rem}
/* hero banner */
.hero{position:fixed;top:0;left:0;right:0;min-height:380px;height:380px;background-image:linear-gradient(180deg, rgba(0,0,0,0.03) 0%, rgba(0,0,0,0.2) 20%, rgba(0,0,0,0.72) 70%), url('background.jpg');background-size:cover;background-position:center center;display:flex;align-items:flex-end;overflow:hidden;z-index:0}
.hero::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg, rgba(0,0,0,0.1) 0%, rgba(0,0,0,0.85) 35%, rgba(0,0,0,1) 100%)}
.hero-overlay{width:100%;padding:40px 0;position:relative;z-index:1}
.hero-inner{max-width:920px;margin:0 auto;padding:20px 28px;color:var(--text)}
@media (min-width:521px){.hero-inner{max-width:calc(100vw - 4cm);width:min(100%,calc(100vw - 4cm));padding:20px 32px}}
.hero h1{margin:0;font-size:2.4rem;letter-spacing:0.02em}
.hero .slogan{margin-top:8px;color:var(--muted);font-size:1.05rem;line-height:1.6}

@media (max-width:520px){.hero{background-position:center center;height:320px;background-size:cover;background-repeat:no-repeat}
  .hero::after{background:linear-gradient(180deg, rgba(0,0,0,0.08) 0%, rgba(0,0,0,0.18) 15%, rgba(0,0,0,0.35) 40%, rgba(0,0,0,0.65) 70%, rgba(0,0,0,0.95) 100%)}
  .hero-overlay{padding:36px 0 24px}
  .hero-inner{display:flex;flex-direction:column;justify-content:flex-start;padding-top:12px}
  .container{width:min(92vw,420px);margin:340px auto 24px;max-width:100%;border-radius:22px;padding:22px 18px}
  .ages{flex-wrap:wrap;gap:10px;margin-bottom:16px}
  .ages label{flex:1 1 48% !important;min-width:0}
  .form{flex-direction:column;gap:10px;margin-bottom:16px}
  label{min-width:auto;padding:14px}
  .actions{flex-direction:column;align-items:stretch}
  button{width:100%}}

/* make ages inline and compact */
.ages label{flex:0 1 160px}

/* small subtle card for input blocks */
label{background:linear-gradient(180deg, rgba(255,255,255,0.02), rgba(255,255,255,0.01));}


input::placeholder{color:#8b96a8}
.horizon-summary{margin:18px 0 0;padding:14px 16px;border-radius:12px;background:rgba(255,255,255,0.03);color:var(--text);border:1px solid rgba(255,255,255,0.05);font-size:0.98rem;line-height:1.6}

/* info button */
.info-btn{width:24px;height:24px;border-radius:50%;border:none;background:#e6eef9;color:#1d4ed8;font-weight:700;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;margin-left:8px;font-size:0.75rem;line-height:1;min-width:24px;min-height:24px;padding:0}
.rate-row{display:flex;align-items:center;gap:8px;position:relative}
.rate-label{position:relative}
.rate-info-panel{position:absolute;top:100%;right:0;left:auto;z-index:40;max-width:280px;min-width:220px;margin-top:10px;padding:12px 14px;border-radius:16px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.16);backdrop-filter:blur(20px);box-shadow:0 18px 45px rgba(0,0,0,0.28);opacity:0;visibility:hidden;pointer-events:none;transition:opacity 0.2s ease, visibility 0.2s ease}
.rate-info-panel[aria-hidden="false"]{opacity:1;visibility:visible;pointer-events:auto}
.rate-info-panel::before{content:'';position:absolute;top:-8px;right:16px;width:16px;height:16px;background:rgba(255,255,255,0.1);border-left:1px solid rgba(255,255,255,0.16);border-top:1px solid rgba(255,255,255,0.16);transform:rotate(45deg)}
.rate-info-panel p{margin:0 0 8px;font-size:0.83rem;line-height:1.6;color:#e8f1ff}
.rate-info-panel p:last-child{margin-bottom:0}
.formula-info{width:100%;margin:0 0 16px;padding:12px 0;border-top:1px solid rgba(255,255,255,0.08);border-bottom:1px solid rgba(255,255,255,0.08)}
.formula-trigger{background:transparent;border:none;color:#f8fbff;font-size:0.88rem;text-align:left;padding:0;cursor:pointer;letter-spacing:0.02em;display:flex;align-items:center;gap:8px;font-weight:400}
.formula-trigger::after{content:'▾';font-size:0.78rem;color:#f8fbff;transition:transform 0.2s ease}
.formula-trigger.active::after{transform:rotate(180deg)}
.formula-details{display:block;margin-top:0;max-height:0;overflow:hidden;opacity:0;transition:max-height 0.25s ease, opacity 0.25s ease, margin-top 0.25s ease, padding 0.25s ease; padding:0 16px; border-radius:16px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.12);color:#f4f7ff}
.formula-details[aria-hidden="false"]{max-height:320px;opacity:1;margin-top:12px;padding:16px;border-radius:16px}
.formula-title{margin:0 0 8px;font-size:0.98rem;font-weight:700;color:#ffffff}
.formula-code{margin:0 0 10px;font-family:Menlo,Monaco,Consolas,monospace;font-size:0.95rem;color:#e2e8f0}
.formula-vars,.formula-note{margin:0 0 8px;font-size:0.9rem;line-height:1.6;color:#c8d4e3}
.formula-vars strong{color:#ffffff}
.rate-info-panel{max-height:0;overflow:hidden;opacity:0;transition:max-height 0.25s ease, opacity 0.25s ease, margin-top 0.25s ease, padding 0.25s ease; padding:0 0; color:#f4f7ff}
.rate-info-panel[aria-hidden="false"]{max-height:220px;opacity:1;margin-top:12px;padding:12px 14px; border-radius:14px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.12)}
.rate-info-panel p{margin:0 0 8px;font-size:0.85rem;line-height:1.6;color:#d8e0f0}
.rate-info-panel p:last-child{margin-bottom:0}

/* modal */
.modal{display:none;position:fixed;inset:0;background:rgba(0,0,0,0.45);align-items:center;justify-content:center;padding:20px;z-index:60}
.modal[aria-hidden="false"]{display:flex}
.modal-content{background:var(--card);padding:18px;border-radius:10px;max-width:640px;box-shadow:0 10px 30px rgba(2,6,23,0.15);position:relative}
.modal-close{position:absolute;right:10px;top:8px;border:none;background:transparent;font-size:20px;cursor:pointer}
.modal-content h3{margin-top:0}