/* pensiya-kontrol · Optibiz soft-tech DNA · v22b */
:root{
  --bg:#0F1618;
  --bg-2:#121A1C;
  --surface:#1A2428;
  --surface-2:#222D32;
  --light:#F4F7F5;
  --ink:#F3F6F4;
  --ink-dark:#12181A;
  --muted:#8B9A96;
  --accent:#C1DF63;
  --accent-soft:#C1DF6322;
  --line:#2A363A;
  --line-light:#D5DED9;
  --font:'Manrope',system-ui,sans-serif;
  --display:'Sora',var(--font);
  --r-pill:999px;
  --r-card:24px;
  --r-field:14px;
  --shadow:0 18px 40px rgba(0,0,0,.28);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font);
  background:linear-gradient(180deg,var(--bg) 0%,var(--bg-2) 40%,#0C1214 100%);
  color:var(--ink);
  line-height:1.55;
  min-height:100vh;
  font-size:15px;
}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{width:min(1080px,100% - 32px);margin:0 auto}
.disc-bar{
  background:#0A1012;
  color:var(--muted);
  font-size:12px;
  line-height:1.45;
  text-align:center;
  padding:10px 16px;
  border-bottom:1px solid var(--line);
}
.disc-bar b{color:var(--accent);font-weight:700}

/* nav */
.site-head{padding:14px 0 8px;position:sticky;top:0;z-index:20;backdrop-filter:blur(10px);background:rgba(15,22,24,.86)}
.site-head-in{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.logo{
  font-family:var(--display);font-weight:700;font-size:18px;text-decoration:none;letter-spacing:-.02em
}
.logo span{color:var(--accent)}
.nav{
  display:flex;flex-wrap:wrap;gap:4px;padding:4px;
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-pill)
}
.nav a{
  text-decoration:none;font-size:13px;font-weight:600;color:var(--muted);
  padding:8px 12px;border-radius:var(--r-pill);white-space:nowrap
}
.nav a:hover,.nav a.on{background:var(--accent-soft);color:var(--accent)}
.nav-cta{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:40px;padding:0 16px;border-radius:var(--r-pill);
  background:#fff;color:var(--ink-dark);font-weight:700;font-size:13px;text-decoration:none
}
.nav-cta:hover{background:var(--accent)}

/* hero */
.hero{padding:28px 0 40px}
.hero-grid{
  display:grid;gap:28px;align-items:stretch
}
@media(min-width:900px){
  .hero-grid{grid-template-columns:1.05fr .95fr;gap:36px;align-items:center}
}
.badge{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--accent);color:var(--ink-dark);
  font-size:12px;font-weight:800;padding:7px 12px;border-radius:12px;margin-bottom:16px
}
.hero h1{
  font-family:var(--display);font-weight:700;font-size:clamp(28px,5vw,44px);
  line-height:1.12;letter-spacing:-.03em;margin-bottom:12px;max-width:16ch
}
.hero-lead{color:var(--muted);font-size:16px;max-width:38ch;margin-bottom:22px}
.hero-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-bottom:18px}
.btn-lime{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:48px;padding:0 22px;border-radius:var(--r-pill);border:none;cursor:pointer;
  background:var(--accent);color:var(--ink-dark);font:inherit;font-weight:800;font-size:15px;text-decoration:none
}
.btn-lime:hover{filter:brightness(1.05)}
.btn-ghost{
  display:inline-flex;align-items:center;justify-content:center;
  width:48px;height:48px;border-radius:50%;border:1px solid var(--line);
  background:var(--surface);color:var(--accent);text-decoration:none;font-size:18px
}
.hero-note{font-size:12px;color:var(--muted);max-width:42ch}

/* phone / panel mock — mobile UI, not iOS */
.mock{
  position:relative;background:linear-gradient(160deg,#1E2A2F 0%,#141C1F 100%);
  border:1px solid var(--line);border-radius:28px;padding:18px 16px 22px;
  box-shadow:var(--shadow);min-height:320px;overflow:hidden
}
.mock::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(ellipse at 80% 0%,rgba(193,223,99,.18),transparent 45%),
    linear-gradient(135deg,transparent 40%,rgba(193,223,99,.05) 100%);
  pointer-events:none
}
.mock-bar{
  display:flex;justify-content:space-between;align-items:center;
  font-size:11px;color:var(--muted);margin-bottom:14px;position:relative
}
.mock-dots{display:flex;gap:5px}
.mock-dots i{width:7px;height:7px;border-radius:50%;background:var(--line);display:block}
.mock-dots i:last-child{background:var(--accent)}
.mock-card{
  position:relative;background:var(--surface-2);border:1px solid var(--line);
  border-radius:18px;padding:16px;margin-bottom:12px
}
.mock-card .lbl{font-size:11px;color:var(--muted);margin-bottom:6px}
.mock-card .big{
  font-family:var(--display);font-size:28px;font-weight:700;color:var(--accent);letter-spacing:-.02em
}
.mock-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.mock-mini{
  background:rgba(255,255,255,.03);border:1px solid var(--line);
  border-radius:14px;padding:12px;font-size:12px;color:var(--muted)
}
.mock-mini b{display:block;color:var(--ink);font-size:16px;margin-top:4px}

/* calc card */
.calc-block{padding:8px 0 48px}
.calc-shell{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-card);
  padding:20px;box-shadow:var(--shadow)
}
@media(min-width:860px){
  .calc-shell{display:grid;grid-template-columns:1.1fr .9fr;gap:20px;padding:24px}
}
.calc-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;margin-bottom:14px;flex-wrap:wrap}
.calc-head h2{font-family:var(--display);font-size:20px;font-weight:700}
.calc-tag{
  font-size:11px;font-weight:700;color:var(--accent);background:var(--accent-soft);
  padding:6px 10px;border-radius:var(--r-pill);white-space:nowrap
}
.fields{display:grid;gap:10px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.lbl{display:block;font-size:12px;font-weight:600;color:var(--muted);margin-bottom:5px}
.inp,.sel{
  width:100%;min-height:46px;padding:0 14px;border-radius:var(--r-field);
  border:1px solid var(--line);background:var(--bg);color:var(--ink);font:inherit;font-size:15px
}
.inp:focus,.sel:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:transparent}
.calc-out{
  background:linear-gradient(180deg,var(--surface-2),#182024);
  border:1px solid var(--line);border-radius:20px;padding:18px;display:flex;flex-direction:column;justify-content:center
}
.calc-out .hint{font-size:12px;color:var(--muted);margin-bottom:8px}
.calc-out .sum{
  font-family:var(--display);font-size:clamp(28px,4vw,40px);font-weight:700;
  color:var(--accent);letter-spacing:-.03em;line-height:1.1
}
.calc-out .meta{font-size:13px;color:var(--muted);margin-top:8px}
.calc-out .warn{
  margin-top:12px;padding:10px 12px;border-radius:12px;background:rgba(193,223,99,.08);
  border:1px solid rgba(193,223,99,.25);font-size:12px;color:#DCE9B8;display:none
}
.calc-out .warn.on{display:block}
.calc-disc{font-size:11px;color:var(--muted);margin-top:12px;line-height:1.45}

/* light section */
.section-light{
  background:var(--light);color:var(--ink-dark);
  padding:48px 0;border-radius:32px 32px 0 0;margin-top:8px
}
.section-light + .section-dark,.section-dark{padding:48px 0}
.section-dark .sec-title,.section-light .sec-title{
  font-family:var(--display);font-size:clamp(22px,3vw,30px);font-weight:700;
  letter-spacing:-.02em;margin-bottom:8px
}
.section-light .sec-sub{color:#5A6A66;margin-bottom:22px;max-width:48ch}
.section-dark .sec-sub{color:var(--muted);margin-bottom:22px;max-width:48ch}

/* stats constants */
.stats{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:28px 0 8px
}
@media(min-width:700px){.stats{grid-template-columns:repeat(4,1fr)}}
.stat{
  padding-top:10px;border-top:2px solid var(--accent)
}
.stat b{
  display:block;font-family:var(--display);font-size:22px;font-weight:700;
  color:var(--ink);letter-spacing:-.02em
}
.section-dark .stat b{color:var(--ink)}
.section-light .stat b{color:var(--ink-dark)}
.stat span{display:block;font-size:12px;color:var(--muted);margin-top:4px;line-height:1.35}
.section-light .stat span{color:#5A6A66}

/* checklist walkthrough */
.walk-prep{
  display:grid;gap:8px;margin:0 0 18px
}
@media(min-width:700px){.walk-prep{grid-template-columns:1fr 1fr 1fr;gap:10px}}
.walk-prep > div{
  display:flex;gap:10px;align-items:flex-start;
  background:#fff;border:1px solid var(--line-light);border-radius:14px;padding:12px 14px;
  font-size:13px;color:#5A6A66
}
.walk-prep b{
  flex-shrink:0;width:24px;height:24px;border-radius:8px;
  background:var(--ink-dark);color:var(--accent);display:flex;align-items:center;justify-content:center;
  font-size:12px;font-family:var(--display)
}
.check-grid{display:grid;gap:10px}
.chk{
  display:flex;gap:12px;align-items:flex-start;
  background:#fff;border:1px solid var(--line-light);border-radius:16px;padding:14px 16px;
  cursor:pointer;user-select:none;transition:border-color .15s,background .15s
}
.chk:hover{border-color:#A8C96A;background:#FAFDF6}
.chk.is-on{border-color:#C1DF63;background:#F4FAE8}
.chk input{position:absolute;opacity:0;width:1px;height:1px;pointer-events:none}
.chk .box{
  width:22px;height:22px;flex-shrink:0;margin-top:2px;border-radius:6px;
  border:2px solid #9AA8A3;background:#fff;
  transition:background .15s,border-color .15s
}
.chk .box::after{
  content:"";display:block;width:6px;height:11px;margin:2px auto 0;
  border:solid transparent;border-width:0 2px 2px 0;
  transform:rotate(45deg);opacity:0
}
.chk.is-on .box{background:var(--accent);border-color:#9BB84A}
.chk.is-on .box::after{border-color:var(--ink-dark);opacity:1}
.chk-body{min-width:0;flex:1}
.chk-body label{
  display:block;font-size:15px;font-weight:700;color:var(--ink-dark);
  cursor:pointer;pointer-events:none;margin-bottom:6px
}
.chk-body p{font-size:13px;color:#5A6A66;margin:0 0 4px;line-height:1.45}
.chk-body p:last-child{margin-bottom:0}
.chk-body a{color:#3D6B28;font-weight:700;text-decoration:underline;text-underline-offset:2px}
.walk-next{
  margin-top:18px;padding:18px;border-radius:20px;
  background:var(--ink-dark);color:var(--ink)
}
.walk-next-top{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:10px}
.walk-next .progress{color:var(--accent);margin:0}
.walk-next h3{font-family:var(--display);font-size:18px;margin:0 0 8px}
.walk-next p{font-size:14px;color:var(--muted);margin:0 0 14px;max-width:52ch}
.walk-actions{display:flex;flex-wrap:wrap;gap:10px}
.walk-actions .btn-dark{background:#fff;color:var(--ink-dark)}
.walk-actions .btn-lime{min-height:42px;padding:0 16px;font-size:13px}
.btn-dark{
  display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:0 16px;
  border-radius:var(--r-pill);border:none;cursor:pointer;
  background:var(--ink-dark);color:#fff;font:inherit;font-weight:700;font-size:13px;text-decoration:none
}
.walk-next-top .btn-dark{background:transparent;border:1px solid var(--line);color:var(--muted);min-height:36px;font-size:12px}
.walk-next-top .btn-dark:hover{color:var(--ink);border-color:var(--muted)}

/* yearly */
.year-list{display:grid;gap:10px}
.year-item{
  display:grid;grid-template-columns:56px 1fr;gap:14px;align-items:start;
  background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:14px 16px
}
.year-item .mo{
  font-family:var(--display);font-weight:700;font-size:13px;color:var(--accent);
  background:var(--accent-soft);border-radius:12px;padding:8px 0;text-align:center
}
.year-item p{font-size:14px;color:var(--muted);margin:0}

/* tool cards */
.tools{
  display:grid;gap:12px
}
@media(min-width:640px){.tools{grid-template-columns:1fr 1fr}}
@media(min-width:900px){.tools{grid-template-columns:1fr 1fr 1fr}}
.tool{
  background:var(--surface);border:1px solid var(--line);border-radius:22px;
  padding:18px;text-decoration:none;color:inherit;transition:border-color .15s,transform .15s
}
.tool:hover{border-color:var(--accent);transform:translateY(-2px)}
.tool-ico{
  width:40px;height:40px;border-radius:12px;background:var(--accent-soft);
  display:flex;align-items:center;justify-content:center;margin-bottom:12px;color:var(--accent)
}
.tool-ico svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.tool h3{font-size:16px;font-weight:700;margin-bottom:6px}
.tool p{font-size:13px;color:var(--muted);margin:0}

/* feed — text beside thumb, never under narrow column */
.feed{
  display:grid;gap:0;background:var(--surface);border:1px solid var(--line);
  border-radius:22px;overflow:hidden
}
.feed a{
  display:grid;grid-template-columns:52px minmax(0,1fr);column-gap:12px;row-gap:2px;
  align-items:center;padding:14px;border-top:1px solid var(--line);
  text-decoration:none;color:inherit
}
.feed a:first-child{border-top:0}
.feed a:hover{background:rgba(193,223,99,.06)}
.feed .thumb{
  width:52px;height:52px;border-radius:14px;
  grid-column:1;grid-row:1 / span 2;align-self:center;
  background:var(--accent-soft);display:flex;align-items:center;justify-content:center;
  color:var(--accent)
}
.feed .thumb svg{
  width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.7;
  stroke-linecap:round;stroke-linejoin:round
}
.feed strong{
  display:block;font-size:14px;margin:0;grid-column:2;grid-row:1;min-width:0;color:var(--ink)
}
.feed span{
  display:block;font-size:12px;color:var(--muted);line-height:1.4;
  grid-column:2;grid-row:2;min-width:0
}
@media(min-width:800px){
  .feed{grid-template-columns:1fr 1fr}
  .feed a:nth-child(2){border-top:0}
  .feed a:nth-child(2n+1){border-right:1px solid var(--line)}
}
@media(max-width:520px){
  .feed a{grid-template-columns:48px minmax(0,1fr)}
  .feed .thumb{width:48px;height:48px}
}

/* how-to cards on light */
.how{display:grid;gap:12px}
@media(min-width:700px){.how{grid-template-columns:1fr 1fr 1fr}}
.how-card{
  background:#fff;border:1px solid var(--line-light);border-radius:20px;padding:16px
}
.how-card .n{
  font-family:var(--display);font-weight:700;color:var(--accent);
  background:#12181A;width:32px;height:32px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;margin-bottom:10px;font-size:14px
}
.how-card h3{font-size:15px;margin-bottom:6px}
.how-card p{font-size:13px;color:#5A6A66;margin:0}

/* prose pages */
.page{padding:28px 0 56px;max-width:720px}
.page h1{font-family:var(--display);font-size:clamp(26px,4vw,36px);letter-spacing:-.02em;margin-bottom:10px}
.lead{color:var(--muted);font-size:16px;margin-bottom:22px}
.prose h2{font-family:var(--display);font-size:20px;margin:28px 0 10px;color:var(--accent)}
.prose p{color:var(--muted);margin-bottom:14px}
.prose ul{margin:0 0 14px 18px;color:var(--muted)}
.prose li{margin-bottom:6px}
.back{display:inline-block;color:var(--muted);text-decoration:none;margin-bottom:18px;font-size:13px;font-weight:600}
.back:hover{color:var(--accent)}
.cta-inline{
  display:inline-flex;margin-top:20px;min-height:46px;padding:0 20px;align-items:center;
  border-radius:var(--r-pill);background:var(--accent);color:var(--ink-dark);
  font-weight:800;text-decoration:none
}

footer{
  border-top:1px solid var(--line);padding:28px 0 40px;margin-top:8px;font-size:13px;color:var(--muted)
}
footer .row{display:flex;flex-wrap:wrap;gap:12px 18px;margin-bottom:10px}
footer a{color:var(--accent);text-decoration:none;font-weight:600}
footer a:hover{text-decoration:underline}
.sticky-cta{
  position:fixed;left:0;right:0;bottom:0;z-index:40;
  padding:10px 16px calc(10px + env(safe-area-inset-bottom));
  background:linear-gradient(180deg,transparent,rgba(10,18,16,.94) 28%,rgba(10,18,16,.98));
  display:flex;justify-content:center;pointer-events:none
}
.sticky-cta a{
  pointer-events:auto;width:100%;max-width:420px;text-align:center;text-decoration:none;
  display:inline-flex;align-items:center;justify-content:center;min-height:48px
}
.sticky-cta.is-away{opacity:0;pointer-events:none;transform:translateY(12px);transition:opacity .2s,transform .2s}
body{padding-bottom:78px}

.section-light footer,.light-foot{color:#5A6A66}
.light-foot a{color:#3D6B28}

@media(max-width:520px){
  .nav{width:100%;justify-content:center}
  .nav-cta{width:100%}
  .hero h1{max-width:none}
}