.financial-tools {
    padding: 60px;
    background: #f5f7fb;
}

.tools-wrapper {
    display: flex;
    gap: 40px;
}

.tools-sidebar {
    width: 260px;
}

.tools-sidebar h2 {
    font-size: 34px;
    margin-bottom: 20px;
    color: #1B262C;
}

.tool-btn {
    display: block;
    width: 100%;
    padding: 16px;
    margin-bottom: 12px;
    border: none;
    border-radius: 12px;
    background: #e8edf3;
    color: #1B262C;
    font-weight: 600;
    cursor: pointer;
    transition: 0.3s;
}


/* ACTIVE */

.tool-btn.active {
    background: #0F4C75;
    color: white;
}

.tool-btn:hover {
    background: #3282B8;
    color: white;
}

.tool-content {
    flex: 1;
    background: white;
    padding: 40px;
    border-radius: 18px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.result-card {
    width: 300px;
    background: #eef2f6;
    padding: 40px;
    border-radius: 18px;
    text-align: center;
}

.result-title {
    font-size: 14px;
    letter-spacing: 1px;
    color: #6b7a90;
}

#resultValue {
    font-size: 46px;
    color: #B88700;
    font-weight: 700;
}

.result-desc {
    font-size: 13px;
    color: #8c98a8;
    margin: 10px 0 20px;
}

.result-btn {
    background: #0F4C75;
    color: white;
    border: none;
    padding: 14px;
    width: 100%;
    border-radius: 10px;
    cursor: pointer;
    font-weight: 600;
}

.result-btn:hover {
    background: #3282B8;
}

input[type=range] {
    width: 100%;
    margin: 10px 0 20px;
}

.slider-value {
    font-size: 18px;
    font-weight: 600;
    color: #0F4C75;
    margin-bottom: 25px;
}

#resultValue {
    font-size: 46px;
    font-weight: 700;
    color: #0F4C75;
}

.tool-btn {
    opacity: 1 !important;
    filter: none !important;
}

.slider-value {
    font-size: 18px;
    font-weight: 600;
    color: #0F4C75;
    margin-bottom: 25px;
}

#resultValue {
    font-size: 46px;
    font-weight: 700;
    color: #0F4C75;
}

.tool-btn {
    opacity: 1 !important;
    filter: none !important;
}

.gst-calculator {
    padding: 20px;
}

.gst-toggle {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
}

.gst-btn {
    padding: 12px 22px;
    border: none;
    border-radius: 10px;
    background: #e7ebf0;
    cursor: pointer;
    font-weight: 600;
}

.gst-btn.active {
    background: #0F2A44;
    color: #fff;
}

.gst-rates {
    display: flex;
    gap: 10px;
    margin: 15px 0 20px;
}

.rate-btn {
    padding: 10px 18px;
    border: none;
    border-radius: 10px;
    background: #e7ebf0;
    cursor: pointer;
}

.rate-btn.active {
    background: #0F4C75;
    color: #fff;
}

.gst-result-box {
    background: #f4f7fb;
    padding: 20px;
    border-radius: 14px;
    margin-top: 20px;
}

.gst-row {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
}

.gst-row.total {
    font-weight: 700;
    font-size: 18px;
}

.tool-input {
    width: 100%;
    padding: 12px;
    border-radius: 10px;
    border: 1px solid #ddd;
    margin-bottom: 20px;
}

.user-type-toggle {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
}

.toggle-btn {
    flex: 1;
    padding: 10px;
    border: none;
    background: #d3deea;
    /* was #e9edf3 */
    border-radius: 8px;
    cursor: pointer;
    font-weight: 600;
}

.toggle-btn.active {
    background: #0f2747;
    color: white;
}

.checkbox-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 20px;
}


/* GST BUTTON FIX */

.gst-btn {
    background: #d3deea !important;
    color: #1a2a44;
    font-weight: 600;
}

.gst-btn.active {
    background: #0f2a44 !important;
    color: white;
}

.rate-btn {
    background: #d3deea !important;
    color: #1a2a44;
    font-weight: 600;
}

.rate-btn.active {
    background: #0F4C75 !important;
    color: white;
}


/* GST spacing fix */

#toolContent h3 {
    margin-bottom: 15px;
}

#toolContent label {
    display: block;
    margin-top: 18px;
    margin-bottom: 6px;
    font-weight: 600;
    color: #1a2a44;
}

.gst-toggle {
    margin-bottom: 15px;
}

.gst-rates {
    margin-top: 10px;
    margin-bottom: 20px;
}

.gst-result-box {
    margin-top: 25px;
}

.dsc-result-box {
    background: #f5f7fa;
    padding: 20px;
    border-radius: 12px;
    margin-top: 20px;
}

.dsc-row {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
}

.dsc-row.total {
    font-weight: bold;
    font-size: 18px;
}

.apply-dsc-btn {
    margin-top: 20px;
    width: 100%;
    padding: 12px;
    background: #0F4C75;
    /* slightly brighter gold */
    border: none;
    border-radius: 10px;
    font-weight: bold;
    cursor: pointer;
}

.dsc-container {
    display: flex;
    gap: 60px;
    margin-top: 20px;
    align-items: flex-start;
}

.dsc-left {
    flex: 1;
}

.dsc-title {
    font-size: 26px;
    font-weight: 700;
    margin-bottom: 20px;
    color: #1a2a44;
}

.dsc-input {
    width: 100%;
    padding: 12px;
    border-radius: 8px;
    border: 1px solid #d6dde7;
    margin-bottom: 20px;
}

.user-type {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
}

.user-type button {
    flex: 1;
    padding: 12px;
    border-radius: 8px;
    border: none;
    background: #d3deea;
    /* was #e6edf5 */
    font-weight: 600;
    cursor: pointer;
    color: #1a2a44;
}

.user-type button.active {
    background: #0f2a44;
    color: white;
}

.usb-check {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 500;
}

.dsc-summary {
    width: 420px;
    background: #f7f9fc;
    padding: 30px;
    border-radius: 12px;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.summary-row {
    display: flex;
    justify-content: space-between;
    margin-bottom: 18px;
    font-size: 17px;
}

.summary-row.total {
    font-size: 22px;
    font-weight: 700;
    color: #1a2a44;
}


/* ============================= */


/* MOBILE RESPONSIVE */


/* ============================= */

@media (max-width: 992px) {
    .financial-tools {
        padding: 40px 20px;
    }
    .tools-wrapper {
        flex-direction: column;
        gap: 30px;
    }
    .tools-sidebar {
        width: 100%;
    }
    .tools-sidebar h2 {
        font-size: 26px;
        text-align: center;
    }
    .tool-btn {
        padding: 14px;
        font-size: 14px;
    }
    .tool-content {
        padding: 25px;
    }
    .result-card {
        width: 100%;
        padding: 30px 20px;
    }
}


/* ============================= */


/* SMALL MOBILE */


/* ============================= */

@media (max-width: 600px) {
    .financial-tools {
        padding: 30px 15px;
    }
    .tools-sidebar h2 {
        font-size: 22px;
    }
    .tool-content {
        padding: 20px;
        border-radius: 14px;
    }
    .tool-btn {
        padding: 12px;
        font-size: 13px;
    }
    #resultValue {
        font-size: 34px;
    }
    .result-title {
        font-size: 12px;
    }
    .result-desc {
        font-size: 12px;
    }
    .gst-toggle,
    .gst-rates {
        flex-wrap: wrap;
    }
    .gst-btn,
    .rate-btn {
        flex: 1;
        font-size: 13px;
        padding: 10px;
    }
    .dsc-container {
        flex-direction: column;
        gap: 30px;
    }
    .dsc-summary {
        width: 100%;
        padding: 25px;
    }
    .summary-row {
        font-size: 15px;
    }
    .summary-row.total {
        font-size: 20px;
    }
}

* {
    box-sizing: border-box;
}

html,
body {
    overflow-x: hidden;
}

.container,
.wrapper,
section {
    width: 100%;
    max-width: 100%;
}

@media (max-width: 768px) {
    .hero-section {
        padding: 30px 20px;
        text-align: center;
    }
    .hero-section h1 {
        font-size: 26px;
        line-height: 1.3;
    }
    .hero-section p {
        font-size: 14px;
    }
    .hero-section img {
        width: 100%;
        height: auto;
    }
}

@media (max-width:768px) {
    .navbar {
        padding: 12px 18px;
    }
    .nav-links {
        display: none;
    }
    .hamburger {
        display: block;
    }
    .logo img {
        width: 120px;
    }
}

img {
    max-width: 100%;
    height: auto;
}

section {
    padding-left: 20px;
    padding-right: 20px;
}