/* MeroKalam.com official retirement-calculator-nepal styles. Unauthorized copying or republication is not permitted. */
/* ════════════════════════════════════════
   TOKENS — Warm Saffron Editorial (matches BMI calculator)
════════════════════════════════════════ */
  .card,.input-card,.result-panel,.breakdown-wrap,.timeline-wrap,.exp-card,.milestone-card,.advice-card,.article,.accordion,.proj-card,.readiness-band{background:#fff!important;border-color:#e8e2d8!important;color:#1c1c1c!important}
  .inp,.sel{background:#fff!important;border-color:#d4cbbc!important;color:#1c1c1c!important}
}


/* ─── BREADCRUMB ─── */
.bc{font-size:.78rem;color:var(--muted);margin-bottom:1.5rem;display:flex;align-items:center;gap:.3rem;flex-wrap:wrap}
.bc a{color:var(--muted);text-decoration:none}
.bc a:hover{color:var(--saffron);text-decoration:underline}

/* ─── HERO ─── */
.hero{
  margin-bottom:2rem;
  background:linear-gradient(160deg,#ffffff 0%,#f8fbff 58%,#eef6ff 100%);
  border-radius:var(--rr);
  padding:1.75rem 1.5rem 1.5rem;
  border:1px solid #dbeafe;
  box-shadow:0 2px 14px rgba(37,99,235,.08);
}
.hero-badge{
  display:inline-flex;align-items:center;gap:.4rem;
  background:var(--saffron-lt);border:1px solid rgba(232,135,42,.25);
  border-radius:99px;padding:.28rem .85rem;
  font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--saffron);margin-bottom:.9rem;
}
.hero h1{
  font-size:clamp(1.7rem,5vw,2.6rem);font-weight:800;
  letter-spacing:-.025em;line-height:1.1;margin-bottom:.55rem;
  background:linear-gradient(135deg,#2563eb 0%,#0891b2 100%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
  text-align:center;width:100%;
}
.hero h1 span{background:none;-webkit-background-clip:unset;background-clip:unset;-webkit-text-fill-color:transparent;}
.hero-sub{font-size:.97rem;color:var(--muted);width:100%;max-width:none;line-height:1.7;text-align:left}

/* hero stats row */
.hero-stats{
  display:flex;gap:1.5rem;flex-wrap:wrap;margin-top:1.25rem;
  padding:1rem 1.25rem;
  background:linear-gradient(135deg,var(--paper) 0%,var(--warm) 100%);
  border-radius:var(--r);
  border:1px solid var(--border2);
  border-left:3px solid var(--saffron);
  box-shadow:var(--shadow-sm);
}
.hstat{display:flex;flex-direction:column;gap:.1rem}
.hstat-val{font-size:1.05rem;font-weight:800;color:var(--saffron)}
.hstat-lbl{font-size:.65rem;color:var(--muted);letter-spacing:.05em;text-transform:uppercase}


/* ─── SECTION LABELS ─── */
.section-label{
  font-size:.68rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;
  color:var(--saffron);margin-bottom:.5rem;display:flex;align-items:center;gap:.5rem;
}
.section-label::after{content:'';flex:1;height:1px;background:var(--border2)}
.section-title{font-size:1.3rem;font-weight:800;color:var(--ink);letter-spacing:-.015em;margin-bottom:.3rem}
.section-sub{font-size:.88rem;color:var(--muted);margin-bottom:1.25rem;line-height:1.6}

/* ─── SCHEME INFO CARDS (soft neutral) ─── */
.scheme-info-grid{
  display:grid;grid-template-columns:1fr 1fr 1fr;gap:.75rem;margin-bottom:1.75rem;
}
@media(max-width:520px){
  .scheme-info-grid{
    display:flex;overflow-x:auto;-webkit-overflow-scrolling:touch;
    scrollbar-width:none;gap:.65rem;padding-bottom:.25rem;
  }
  .scheme-info-grid::-webkit-scrollbar{display:none}
  .sic{min-width:220px;flex-shrink:0;}
}
.sic{
  background:var(--paper);border:1.5px solid var(--border);
  border-radius:16px;padding:1.25rem;position:relative;overflow:hidden;
  box-shadow:var(--shadow-sm);
}
.sic::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--saffron),var(--saffron2));
  border-radius:16px 16px 0 0;
}
.sic::after{
  content:'';position:absolute;bottom:-16px;right:-16px;
  width:64px;height:64px;border-radius:50%;
  background:var(--saffron-lt);
}
.sic-badge{
  font-size:.58rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:var(--saffron);display:inline-block;
  background:var(--saffron-lt);border:1px solid rgba(232,135,42,.25);
  border-radius:99px;padding:.18rem .6rem;margin-bottom:.6rem;
}
.sic h3{font-size:.88rem;font-weight:700;color:var(--ink);margin-bottom:.4rem}
.sic p{font-size:.74rem;color:var(--muted);line-height:1.6}
.sic-rate{
  font-size:1.35rem;font-weight:900;
  color:var(--saffron);display:block;margin-top:.5rem;
}

/* ─── MAIN INPUT CARD ─── */
.input-card{
  background:var(--paper);border:1px solid var(--border);border-radius:16px;
  box-shadow:var(--shadow-lg);overflow:hidden;margin-bottom:1.75rem;
}
.card-head{
  padding:1.25rem 1.5rem;border-bottom:1px solid var(--border);
  background:linear-gradient(135deg,var(--saffron-lt),var(--paper));
  display:flex;align-items:center;gap:.75rem;
}
.card-head-icon{
  width:2.6rem;height:2.6rem;border-radius:.7rem;
  background:var(--saffron);display:flex;align-items:center;justify-content:center;
  font-size:1.25rem;flex-shrink:0;
}
.card-head h2{font-size:1.1rem;font-weight:800;color:var(--ink);margin-bottom:.1rem;letter-spacing:-.01em}
.card-head p{font-size:.78rem;color:var(--muted)}
.ic-body{padding:1.5rem}

/* ─── FORM GRIDS ─── */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:.85rem;margin-bottom:1rem}
.form-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:.85rem;margin-bottom:1rem}
.field-lbl{
  font-size:.65rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  color:var(--muted);margin-bottom:.35rem;display:flex;align-items:center;gap:.3rem;
}
.field-hint{font-size:.6rem;color:var(--dim);font-weight:400;letter-spacing:0;text-transform:none}

/* ─── INPUTS ─── */
.inp-wrap{position:relative}
.inp,.sel{
  width:100%;border:1.5px solid var(--border2);border-radius:var(--r);
  padding:.78rem 3rem .78rem 1rem;font-size:1.1rem;font-weight:700;
  font-family:inherit;color:var(--ink);background:var(--paper);
  transition:all .18s;-webkit-appearance:none;appearance:none;
}
.inp::placeholder{color:var(--dim);font-weight:400}
.inp:focus,.sel:focus{outline:none;border-color:var(--saffron);box-shadow:0 0 0 3px rgba(232,135,42,.12);background:#fffdf9}
.inp-unit{
  position:absolute;right:.9rem;top:50%;transform:translateY(-50%);
  font-size:.78rem;font-weight:700;color:var(--dim);pointer-events:none;
}
.inp-prefix{
  position:absolute;left:.9rem;top:50%;transform:translateY(-50%);
  font-size:.85rem;font-weight:700;color:var(--muted);pointer-events:none;
}
.inp-prefix~.inp{padding-left:2rem}
.sel-wrap{position:relative}
.sel-wrap::after{
  content:'';position:absolute;right:.9rem;top:50%;transform:translateY(-50%);
  width:0;height:0;border-left:5px solid transparent;border-right:5px solid transparent;
  border-top:6px solid var(--muted);pointer-events:none;
}
.sel-wrap .sel{padding-right:2.2rem;cursor:pointer}

/* ─── RANGE SLIDERS ─── */
.slider-field{margin-bottom:0}
.slider-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.4rem}
.slider-val{
  font-size:.95rem;font-weight:800;color:var(--saffron);
  background:var(--saffron-lt);border:1px solid rgba(232,135,42,.25);
  border-radius:.4rem;padding:.08rem .45rem;
}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;
  border-radius:99px;outline:none;cursor:pointer;
  background:linear-gradient(90deg,var(--saffron) 0%,var(--saffron) var(--pct,50%),var(--border) var(--pct,50%),var(--border) 100%);
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:20px;height:20px;border-radius:50%;
  background:var(--paper);border:3px solid var(--saffron);
  box-shadow:0 2px 6px rgba(232,135,42,.3);transition:transform .15s;
}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
.slider-labels{display:flex;justify-content:space-between;font-size:.65rem;color:var(--dim);margin-top:.3rem}

/* ─── SCHEME TOGGLE BUTTONS ─── */
.scheme-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.6rem;margin-bottom:1.25rem}
.scheme-btn{
  padding:.75rem .6rem;border:2px solid var(--border2);border-radius:var(--r);
  background:var(--paper);cursor:pointer;text-align:center;
  transition:all .18s;font-family:inherit;
}
.scheme-btn:hover{border-color:var(--saffron2);background:var(--saffron-lt)}
.scheme-btn.on{border-color:var(--saffron);background:var(--saffron-lt);box-shadow:0 0 0 3px rgba(232,135,42,.12)}
.scheme-icon{font-size:1.3rem;display:block;margin-bottom:.3rem}
.scheme-name{font-size:.78rem;font-weight:800;color:var(--ink);display:block;margin-bottom:.1rem}
.scheme-full{font-size:.62rem;color:var(--muted);display:block;line-height:1.35;margin-bottom:.2rem}
.scheme-rate{font-size:.63rem;color:var(--saffron-dk);display:block;font-weight:700}
.scheme-who{font-size:.6rem;color:var(--dim);display:block;margin-top:.15rem;line-height:1.3}
.scheme-note{font-size:.76rem;color:var(--muted);margin-top:.5rem;margin-bottom:1.25rem;line-height:1.6;padding:.6rem .85rem;background:var(--warm);border-radius:8px;border-left:3px solid var(--saffron)}

/* ─── CALCULATE BUTTON ─── */
.btn-calc{
  width:100%;padding:.9rem;border:none;border-radius:var(--r);
  background:linear-gradient(135deg,var(--saffron),#d4601a);
  color:white;font-family:inherit;font-size:1rem;font-weight:800;
  cursor:pointer;letter-spacing:.01em;
  box-shadow:0 4px 14px rgba(232,135,42,.35);
  transition:all .2s;display:flex;align-items:center;justify-content:center;gap:.5rem;
}
.btn-calc:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(232,135,42,.45)}
.btn-calc:active{transform:translateY(0)}

/* ─── DIVIDER ─── */
.divider{height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:1.25rem 0}

/* ─── ERROR / INFO BOXES ─── */
.err-box{display:none;margin-top:.75rem;padding:.65rem 1rem;background:var(--red-lt);border:1.5px solid #fca5a5;border-radius:10px;color:#991b1b;font-size:.86rem;font-weight:600}
.err-box.on{display:block}
.info-box{display:none;margin-top:.75rem;padding:.65rem 1rem;background:var(--amber-lt);border:1.5px solid rgba(217,119,6,.3);border-radius:10px;color:var(--amber);font-size:.86rem;font-weight:600}
.info-box.on{display:block}

/* ════════════════════════════════════════
   RESULTS
════════════════════════════════════════ */
.result-panel{display:none;margin-bottom:1.75rem}
.result-panel.on{
  display:block;animation:fadeUp .35s ease both;
  border-radius:16px;
  background:var(--paper);border:1.5px solid var(--border);
  border-top:3px solid var(--saffron);
  padding:1.5rem;box-shadow:var(--shadow-lg);
  margin-top:-.5rem;
}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

/* ─── READINESS SCORE BAND ─── */
.readiness-band{
  border-radius:var(--rr);padding:1.5rem;margin-bottom:1rem;
  border:2px solid;display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap;
}
.readiness-ring{width:88px;height:88px;flex-shrink:0;position:relative}
.readiness-ring svg{width:100%;height:100%;transform:rotate(-90deg)}
.ring-bg{fill:none;stroke:rgba(0,0,0,.08);stroke-width:8}
.ring-fg{fill:none;stroke-width:8;stroke-linecap:round;transition:stroke-dashoffset .8s cubic-bezier(.4,0,.2,1)}
.ring-label{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
.ring-pct{font-size:1.3rem;font-weight:900;line-height:1}
.ring-word{font-size:.52rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;opacity:.65}
.readiness-info{flex:1;min-width:180px}
.readiness-info h3{font-size:1.1rem;font-weight:800;margin-bottom:.3rem;color:var(--ink)}
.readiness-info p{font-size:.84rem;color:var(--muted);line-height:1.6}

/* ─── PROJECTION NUMBER CARDS ─── */
.proj-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.85rem;margin-bottom:1rem}
.proj-card{
  background:var(--paper);border:1px solid var(--border);border-radius:var(--r);
  padding:1.1rem;box-shadow:var(--shadow-sm);
}
.proj-card-accent{
  background:var(--forest);border-color:rgba(30,92,58,.7);
}
.proj-label{font-size:.62rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;margin-bottom:.4rem}
.proj-label-light{color:var(--muted)}
.proj-label-dark{color:rgba(255,255,255,.5)}
.proj-amount{font-size:1.6rem;font-weight:900;line-height:1.1;letter-spacing:-.02em;margin-bottom:.2rem}
.proj-amount-light{color:var(--ink)}
.proj-amount-dark{color:var(--saffron2)}
.proj-sub{font-size:.72rem}
.proj-sub-light{color:var(--muted)}
.proj-sub-dark{color:rgba(255,255,255,.45)}

/* ─── TIMELINE ─── */
.timeline-wrap{
  background:var(--paper);border:1px solid var(--border);border-radius:16px;
  padding:1.5rem;box-shadow:var(--shadow-sm);margin-bottom:1rem;overflow:hidden;
}
.timeline-title{
  font-size:.65rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:var(--muted);margin-bottom:1.25rem;
}
.timeline-track{
  height:8px;background:var(--border);border-radius:99px;
  margin-bottom:1rem;position:relative;overflow:hidden;
}
.timeline-fill{
  height:100%;border-radius:99px;
  background:linear-gradient(90deg,var(--forest) 0%,var(--saffron) 60%,var(--amber) 100%);
  transition:width .8s cubic-bezier(.4,0,.2,1);
}
.timeline-markers{display:flex;justify-content:space-between;position:relative}
.tm{display:flex;flex-direction:column;align-items:center;gap:.25rem;flex:1}
.tm-dot{
  width:10px;height:10px;border-radius:50%;border:2px solid var(--border2);
  background:var(--paper);transition:all .3s;
}
.tm-dot.reached{background:var(--saffron);border-color:#c96f15;box-shadow:0 0 0 3px rgba(232,135,42,.2)}
.tm-dot.current{background:var(--forest);border-color:var(--forest);box-shadow:0 0 0 4px rgba(30,92,58,.15);transform:scale(1.3)}
.tm-age{font-size:.65rem;font-weight:700;color:var(--muted)}
.tm-label{font-size:.58rem;color:var(--dim);text-align:center;line-height:1.3}
.tm-amount{font-size:.6rem;font-weight:800;color:var(--forest)}

/* ─── BREAKDOWN BARS ─── */
.breakdown-wrap{
  background:var(--paper);border:1px solid var(--border);border-radius:16px;
  padding:1.5rem;box-shadow:var(--shadow-sm);margin-bottom:1rem;
}
.breakdown-title{
  font-size:.65rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:var(--muted);margin-bottom:1.1rem;
}
.bar-row{display:flex;align-items:center;gap:.75rem;margin-bottom:.85rem}
.bar-row:last-child{margin-bottom:0}
.bar-icon{font-size:1.1rem;width:1.6rem;text-align:center;flex-shrink:0}
.bar-info{flex:1;min-width:0}
.bar-name{font-size:.8rem;font-weight:700;color:var(--ink);display:flex;justify-content:space-between;margin-bottom:.3rem}
.bar-amt{font-size:.75rem;font-weight:800;color:var(--forest)}
.bar-track{height:7px;background:var(--warm);border-radius:99px;overflow:hidden}
.bar-fill{height:100%;border-radius:99px;transition:width .7s cubic-bezier(.4,0,.2,1)}

/* ─── MONTHLY EXPENSES ─── */
.expense-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem;margin-bottom:1rem}
.exp-card{
  background:var(--paper);border:1px solid var(--border);border-radius:var(--r);
  padding:.9rem;box-shadow:var(--shadow-sm);
}
.exp-icon{font-size:1.1rem;display:block;margin-bottom:.3rem}
.exp-name{font-size:.75rem;font-weight:700;color:var(--ink2);margin-bottom:.15rem}
.exp-amt{font-size:1rem;font-weight:800;color:var(--forest)}
.exp-note{font-size:.65rem;color:var(--dim);line-height:1.4}

/* ─── MILESTONES ─── */
.milestone-row{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-bottom:1.75rem}
.milestone-card{
  background:var(--paper);border:1px solid var(--border);border-radius:var(--r);
  padding:1rem;box-shadow:var(--shadow-sm);text-align:center;
  transition:all .2s;position:relative;overflow:hidden;
}
.milestone-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:var(--border);transition:background .3s;
}
.milestone-card.on-track::before{background:linear-gradient(90deg,var(--forest),#84cc16)}
.milestone-card.behind::before{background:linear-gradient(90deg,var(--amber),var(--red))}
.milestone-age{
  font-size:1.6rem;font-weight:900;color:var(--ink);
  display:block;line-height:1;margin-bottom:.25rem;
}
.milestone-lbl{font-size:.62rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin-bottom:.5rem;display:block}
.milestone-amt{font-size:.88rem;font-weight:800;color:var(--ink);display:block;margin-bottom:.2rem}
.milestone-status{font-size:.65rem;font-weight:700;padding:.18rem .55rem;border-radius:99px;display:inline-block;margin-top:.25rem}
.status-good{background:var(--forest-lt);color:var(--forest)}
.status-warn{background:var(--amber-lt);color:var(--amber)}
.status-behind{background:var(--red-lt);color:var(--red)}

/* ─── ADVICE CARDS ─── */
.advice-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-bottom:1.75rem}
.advice-card{
  background:var(--paper);border:1px solid var(--border);border-radius:var(--r);
  padding:1.1rem;box-shadow:var(--shadow-sm);transition:all .2s;
}
.advice-card:hover{box-shadow:var(--shadow);transform:translateY(-1px)}
.advice-icon{font-size:1.4rem;display:block;margin-bottom:.45rem}
.advice-card h3{font-size:.85rem;font-weight:800;color:var(--ink);margin-bottom:.3rem}
.advice-card p,.advice-card li{font-size:.78rem;color:var(--muted);line-height:1.6}
.advice-card ul{padding-left:1.1rem}
.advice-card li{margin-bottom:.15rem}

/* ─── ARTICLE ─── */
.article{
  background:var(--paper);border:1px solid var(--border);border-radius:16px;
  padding:2rem;box-shadow:var(--shadow-sm);margin-bottom:1.75rem;line-height:1.75;
}
.article h2{font-size:1.2rem;font-weight:800;color:var(--ink);letter-spacing:-.015em;margin:0 0 .6rem;margin-top:1.5rem}
.article h2:first-child{margin-top:0}
.article h3{font-size:.97rem;font-weight:700;color:var(--ink2);margin:.9rem 0 .35rem}
.article p{font-size:.9rem;color:var(--ink2);margin-bottom:.65rem}
.article p:last-child{margin-bottom:0}
.article ul,.article ol{padding-left:1.3rem;margin-bottom:.65rem}
.article li{font-size:.9rem;color:var(--ink2);margin-bottom:.28rem;line-height:1.65}
.article strong{color:var(--ink)}
.article a{color:var(--saffron);text-decoration:none}
.article a:hover{text-decoration:underline}

/* table */
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:8px;border:1px solid var(--border);margin:.75rem 0}
.tbl{width:100%;border-collapse:collapse;font-size:.84rem}
.tbl th{background:var(--warm);padding:.5rem .75rem;text-align:left;font-weight:700;font-size:.7rem;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--border);white-space:nowrap}
.tbl td{padding:.45rem .75rem;border-bottom:1px solid #f0ece4;color:var(--ink2)}
.tbl td:first-child{font-weight:700;color:var(--ink)}
.tbl tr:last-child td{border-bottom:none}
.tbl tr:hover td{background:var(--warm)}

/* ─── FAQ ─── */
.faq-title{font-size:1.2rem;font-weight:800;color:var(--ink);letter-spacing:-.015em;margin-bottom:1rem}
.accordion{border:1px solid var(--border);border-radius:var(--r);overflow:hidden;background:var(--paper);box-shadow:var(--shadow-sm);margin-bottom:1.75rem}
.acc-item{border-bottom:1px solid var(--border)}
.acc-item:last-child{border-bottom:none}
.acc-btn{width:100%;background:var(--paper);border:none;padding:.95rem 1.1rem;display:flex;justify-content:space-between;align-items:center;cursor:pointer;text-align:left;font-family:inherit;font-size:.88rem;font-weight:600;color:var(--ink2);transition:all .18s}
.acc-btn:hover{background:var(--warm);color:var(--ink)}
.acc-btn.open{color:var(--ink)}
.acc-arr{font-size:.68rem;color:var(--dim);transition:transform .28s;flex-shrink:0;margin-left:.75rem}
.acc-btn.open .acc-arr{transform:rotate(180deg)}
.acc-body{max-height:0;overflow:hidden;transition:max-height .32s ease}
.acc-body.open{max-height:700px}
.acc-content{padding:.1rem 1.1rem 1.1rem}
.acc-content p,.acc-content li{font-size:.86rem;color:var(--muted);line-height:1.75}
.acc-content p+p{margin-top:.4rem}
.acc-content ul{padding-left:1.2rem}
.acc-content li{margin-bottom:.25rem}
.acc-content strong{color:var(--ink2)}

/* ─── RELATED ─── */
.related h2{font-size:1rem;font-weight:700;color:var(--ink2);margin-bottom:.75rem}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.6rem}
.rel-link{background:var(--paper);border:1px solid var(--border);border-radius:var(--r);padding:.75rem 1rem;text-decoration:none;color:var(--ink2);font-size:.85rem;font-weight:600;display:flex;align-items:center;gap:.5rem;box-shadow:var(--shadow-sm);transition:all .18s}
.rel-link:hover{border-color:var(--saffron);color:var(--saffron);transform:translateY(-1px);box-shadow:var(--shadow)}

/* ─── RESPONSIVE ─── */
@media(max-width:580px){
  .page{padding:1.25rem .9rem 3rem}
  .hero h1{font-size:1.6rem}
  .hero-stats{gap:1rem}
  .form-grid,.form-grid-3{grid-template-columns:1fr 1fr}
  .scheme-grid{grid-template-columns:1fr 1fr}
  .proj-grid{grid-template-columns:1fr 1fr}
  .milestone-row{grid-template-columns:1fr 1fr 1fr}
  .advice-grid{grid-template-columns:1fr}
  .related-grid{grid-template-columns:1fr}
  .expense-grid{grid-template-columns:1fr 1fr}
  .ic-body{padding:1.1rem}
  .article{padding:1.1rem}
  .breakdown-wrap,.timeline-wrap{padding:1.1rem}
}
@media(max-width:400px){
  .form-grid-3{grid-template-columns:1fr 1fr}
  .scheme-grid{grid-template-columns:1fr}
  .milestone-row{grid-template-columns:1fr 1fr}
  .milestone-card:last-child{grid-column:1/-1}
}