* {
     box-sizing: border-box;
 }

 body {
     font-family: 'Inter', 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
     background: linear-gradient(135deg, #f5f7fa 0%, #c3cfe2 100%);
     margin: 0;
     color: #333;
     line-height: 1.6;
     min-height: 100vh;
 }

 
 /* START OF NAVBAR CSS */
 .navbar {
     background: linear-gradient(135deg, #0b3d91, #092f70);
     box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
     padding: 15px 0;
     position: sticky;
     top: 0;
     z-index: 1000;
 }

 .navbar-brand {
     font-weight: 700;
     font-size: 1.5rem;
     color: #fff !important;
     display: flex;
     align-items: center;
 }

 .navbar-brand:hover {
     color: #00ffcc !important;
 }

 .navbar-nav .nav-link {
     color: #fff !important;
     font-weight: 500;
     margin: 0 10px;
     transition: color 0.3s ease, transform 0.3s ease;
 }

 .navbar-nav .nav-link:hover {
     color: #00ffcc !important;
     transform: translateY(-2px);
 }

 .navbar-toggler {
     border: none;
     background: rgba(255, 255, 255, 0.1);
 }

 .navbar-toggler-icon {
     background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28255, 255, 255, 0.5%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='m4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
 }

 .container {
     max-width: 1200px;
     margin: 0 auto;
     padding: 20px;
 }


 .hero {
     background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
     border-radius: 16px;
     padding: 50px 30px;
     margin-bottom: 30px;
     box-shadow: 0 15px 35px rgba(0, 0, 0, 0.1);
     color: #fff;
     display: flex;
     flex-direction: column;
     align-items: center;
     position: relative;
     overflow: hidden;
 }

 .hero::before {
     content: '';
     position: absolute;
     top: 0;
     left: 0;
     right: 0;
     bottom: 0;
     background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="2" fill="rgba(255,255,255,0.1)"/></svg>') repeat;
     opacity: 0.1;
 }

 .hero-content {
     display: flex;
     flex-direction: row;
     gap: 40px;
     align-items: center;
     width: 100%;
     max-width: 1000px;
     position: relative;
     z-index: 1;
 }



 .hero-text {
     flex: 1;
 }

 .hero-text h1 {
     font-size: 2.8rem;
     margin-bottom: 15px;
     font-weight: 700;
     text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);
 }

 .hero-text p {
     font-size: 1.2rem;
     margin-bottom: 20px;
     opacity: 0.9;
 }

 .hero-text ul {
     list-style: none;
     padding: 0;
     display: flex;
     flex-direction: column;
     gap: 10px;
 }

 .hero-text li {
     font-size: 1.1rem;
     font-weight: 500;
     display: flex;
     align-items: center;
     gap: 8px;
 }

 .calculator {
     background: #fff;
     border-radius: 12px;
     box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
     padding: 30px;
     max-width: 450px;
     width: 100%;
     transition: transform 0.3s ease, box-shadow 0.3s ease;
 }

 .calculator:hover {
     transform: translateY(-5px);
     box-shadow: 0 15px 40px rgba(0, 0, 0, 0.2);
 }

 .calculator h2 {
     margin-top: 0;
     margin-bottom: 20px;
     color: #0b3d91;
     font-size: 1.5rem;
     text-align: center;
 }
     .info-box a {
            color: #4f6ef7;
            font-weight: 900;
            text-decoration: none;
        }

        .info-box a:hover {
            text-decoration: underline;
        }

 .input-group {
     margin-bottom: 20px;
 }

 .input-group label {
     font-weight: 600;
     margin-bottom: 8px;
     display: block;
     color: #555;
 }

 .input-group input {
     width: 100%;
     padding: 12px;
     font-size: 1rem;
     border-radius: 8px;
     border: 2px solid #e0e0e0;
     transition: border-color 0.3s ease, box-shadow 0.3s ease;
 }

 .input-group input:focus {
     outline: none;
     border-color: #0b3d91;
     box-shadow: 0 0 8px rgba(11, 61, 145, 0.3);
 }

 .input-group input:invalid {
     border-color: #0b3d91;
 }

 .checkbox-group {
     margin-bottom: 20px;
 }

 .checkbox-group h5 {
     color: #555;
     margin: 0 0 10px 0;
     font-weight: 600;
 }

 .checkbox-group label {
     display: flex;
     align-items: center;
     font-weight: 500;
     cursor: pointer;
     gap: 10px;
 }

 .checkbox-group input {
     margin: 0;
     transform: scale(1.2);
 }

 .hero .btn {
     background: linear-gradient(135deg, #00ffcc 0%, #00d4aa 100%);
     color: #003333;
     border: none;
     padding: 14px 36px;
     font-size: 1.1rem;
     font-weight: 600;
     border-radius: 30px;
     margin-top: 20px;
     cursor: pointer;
     position: relative;
     overflow: hidden;
     transition: background 0.3s ease, transform 0.2s ease;
     z-index: 1;
 }

 /* ripple circle */
 .hero .btn::before {
     content: '';
     position: absolute;
     top: 50%;
     left: 50%;
     width: 0;
     height: 0;
     background: rgba(255, 255, 255, 0.35);
     border-radius: 50%;
     transform: translate(-50%, -50%);
     transition: width 0.6s ease, height 0.6s ease;
     z-index: -1;
 }

 /* hover effect */
 .hero .btn:hover::before {
     width: 320px;
     height: 320px;
 }

 .hero .btn:hover {
     background: linear-gradient(135deg, #00d4aa 0%, #00bfa5 100%);
     transform: translateY(-2px);
 }

 /* active click */
 .hero .btn:active {
     transform: translateY(0);
 }

 /* disabled state (future safe) */
 .hero .btn:disabled {
     opacity: 0.6;
     cursor: not-allowed;
 }

 #calculator-form .btn {
     background: linear-gradient(135deg, #0b3d91 0%, #092f70 100%);
     color: #fff;
     border: none;
     padding: 14px;
     font-size: 1.2rem;
     border-radius: 8px;
     cursor: pointer;
     width: 100%;
     font-weight: 600;
     transition: background 0.3s ease, transform 0.2s ease;
     margin-bottom: 10px;
     position: relative;
     overflow: hidden;
 }

 #calculator-form .btn::before {
     content: '';
     position: absolute;
     top: 50%;
     left: 50%;
     width: 0;
     height: 0;
     background: rgba(255, 255, 255, 0.2);
     border-radius: 50%;
     transform: translate(-50%, -50%);
     transition: width 0.6s, height 0.6s;
 }

 #calculator-form .btn:hover::before {
     width: 300px;
     height: 300px;
 }

 #calculator-form .btn:hover {
     background: linear-gradient(135deg, #092f70 0%, #071f50 100%);
     transform: translateY(-2px);
 }

 #calculator-form .btn:active {
     transform: translateY(0);
 }

 #calculator-form .btn:disabled {
     opacity: 0.6;
     cursor: not-allowed;
 }

 #calculator-form .btn-secondary {
     background: #f0f0f0;
     color: #333;
     border: 1px solid #ccc;
 }

 #calculator-form .btn-secondary:hover {
     background: #e0e0e0;
     color: #333;
 }

 .result {
     display: none;
     margin-top: 30px;
     padding: 25px;
     border-radius: 12px;
     background: #fff;
     box-shadow: 0 5px 15px rgba(0, 0, 0, 0.1);
     animation: fadeIn 0.5s ease;
 }

 .result.pass {
     border-left: 6px solid #28a745;
 }

 .result.fail {
     border-left: 6px solid #dc3545;
 }

 .result h2 {
     margin-top: 0;
     color: #0b3d91;
 }

 .result p {
     margin: 10px 0;
     font-size: 1.1rem;
 }

 @keyframes fadeIn {
     from {
         opacity: 0;
         transform: translateY(20px);
     }

     to {
         opacity: 1;
         transform: translateY(0);
     }
 }

 .section {
     padding: 50px 30px;
     background: #fff;
     margin-bottom: 25px;
     margin-bottom: 20px;
     border-radius: 12px;
     box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
 }

 .section:hover {
     transform: translateY(-2px);
 }

 .section h2 {
     font-size: 2.2rem;
     font-weight: 800;
     margin-bottom: 20px;
     color: #0b3d91;
     text-align: center;
 }

 .section p {
     font-size: 1.1rem;
     margin-bottom: 15px;
     text-align: center;
 }

 .cards {
     display: grid;
     grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
     gap: 20px;
     margin-top: 30px;
 }

 .card {
     border: 1px solid #e0e0e0;
     border-radius: 10px;
     padding: 20px;
     text-align: center;
     transition: transform 0.3s ease, box-shadow 0.3s ease;
     background: #f9f9f9;
 }

 .card:hover {
     transform: translateY(-5px);
     box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);
 }

 .card a {
     text-decoration: none;
     color: #0b3d91;
     font-weight: 600;
     font-size: 1.1rem;
 }

 /* CARDS */
 .cards {
     display: grid;
     grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
     gap: 20px;
     margin-top: 30px;
 }

 .card {
     border-radius: 14px;
     padding: 25px;
     background: #f9fbff;
     border: 1px solid #e3e9f4;
     transition: transform 0.3s ease, box-shadow 0.3s ease;
     text-align: center;
 }

 .card:hover {
     transform: translateY(-6px);
     box-shadow: 0 15px 30px rgba(0, 0, 0, 0.12);
 }

 .card i {
     font-size: 2.5rem;
     color: #667eea;
     margin-bottom: 15px;
 }

 .card h5 {
     font-size: 1.3rem;
     font-weight: 700;
     color: #0b3d91;
     margin-bottom: 10px;
 }

 .card p {
     font-size: 1.05rem;
 }


 .faq {
     margin-bottom: 15px;
     border-radius: 8px;
     overflow: hidden;
     box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
 }

 .faq h3 {
     background: linear-gradient(135deg, #eef3fb 0%, #d4e4f7 100%);
     padding: 15px;
     cursor: pointer;
     margin: 0;
     font-size: 1.1rem;
     transition: background 0.3s ease;
     display: flex;
     align-items: center;
     justify-content: space-between;
 }

 .faq h3::after {
     content: '+';
     font-size: 1.5rem;
     transition: transform 0.3s ease;
 }

 .faq.open h3::after {
     transform: rotate(45deg);
 }

 .faq h3:hover {
     background: linear-gradient(135deg, #d4e4f7 0%, #b8d4f0 100%);
 }

 .faq p {
     display: none;
     padding: 15px;
     background: #fafafa;
     margin: 0;
     border-top: 1px solid #e0e0e0;
     animation: slideDown 0.3s ease;
 }

 @keyframes slideDown {
     from {
         max-height: 0;
         opacity: 0;
     }

     to {
         max-height: 500px;
         opacity: 1;
     }
 }

 /* START OF FOOTER CSS */
 footer {
     background: linear-gradient(135deg, #0b3d91, #092f70);
     border-radius: 14px;
     padding: 40px 30px;
     text-align: center;
     color: #fff;
     margin-top: 40px;
     box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
 }

 footer a {
     color: #fff;
     margin: 0 20px;
     text-decoration: none;
     font-weight: 500;
     transition: color 0.3s ease, transform 0.3s ease;
     display: inline-block;
 }

 footer a:hover {
     color: #00ffcc;
     text-decoration: underline;
     transform: translateY(-2px);
 }

 footer p {
     margin-top: 20px;
     font-size: 0.9rem;
     opacity: 0.85;
 }

 @media (max-width: 1200px) {
     .disclaimer {
         margin: 30px auto;
         padding: 25px;
     }
 }

 /* Responsive Design */
 @media (max-width: 1024px) {
     .hero-content {
         flex-direction: column;
         gap: 30px;
     }

     .hero-text h1 {
         font-size: 2.5rem;
     }
 }

 @media (max-width: 992px) {
     .cards {
         grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
     }

     .disclaimer {
         max-width: 800px;
         padding: 25px;
     }

     .disclaimer h1 {
         font-size: 2rem;
     }

     .disclaimer h2 {
         font-size: 1.3rem;
     }
 }

 @media (max-width: 768px) {
     .navbar {
         padding: 10px;
     }

     .hero {
         padding: 30px 20px;
     }

     .hero-text h1 {
         font-size: 2.2rem;
     }

     .hero-text ul {
         align-items: flex-start;
     }

     .calculator {
         padding: 20px;
         max-width: 100%;
     }

     .section {
         padding: 40px 20px;
     }


     .cards {
         grid-template-columns: 1fr;
         gap: 15px;
     }

     .card {
         padding: 20px;
     }

     .card i {
         font-size: 2rem;
     }

     .card h5 {
         font-size: 1.2rem;
     }

     .card p {
         font-size: 1rem;
     }

     .section h2 {
         font-size: 1.8rem;
     }

     footer {
         padding: 30px 20px;
     }

     footer a {
         display: block;
         margin: 10px 0;
     }

     .disclaimer {
         margin: 20px;
         padding: 20px;
     }

     .disclaimer h1 {
         font-size: 1.8rem;
     }

     .disclaimer h2 {
         font-size: 1.2rem;
     }

     .disclaimer p,
     .disclaimer ul li,
     .note {
         font-size: 1rem;
     }
 }

 @media (max-width: 576px) {
     .disclaimer {
         margin: 15px;
         padding: 15px;
     }

     .disclaimer h1 {
         font-size: 1.6rem;
     }

     .disclaimer h2 {
         font-size: 1.1rem;
     }

     .disclaimer p,
     .disclaimer ul li,
     .note {
         font-size: 0.95rem;
     }
 }

 @media (max-width: 480px) {
     .hero-text h1 {
         font-size: 1.8rem;
     }
      
     .navbar-brand {
         font-size: 1rem;
     }

     .hero-text p {
         font-size: 1rem;
     }

     .hero-text li {
         font-size: 1rem;
     }

     .calculator h2 {
         font-size: 1.3rem;
     }

     .btn {
         font-size: 1rem;
         padding: 12px;
     }

     .section h2 {
         font-size: 1.6rem;
     }

     .section p {
         font-size: 1rem;
     }

     footer a {
         display: block;
         margin: 10px 0;
     }
 }

 /* Accessibility */
 .sr-only {
     position: absolute;
     width: 1px;
     height: 1px;
     padding: 0;
     margin: -1px;
     overflow: hidden;
     clip: rect(0, 0, 0, 0);
     white-space: nowrap;
     border: 0;
 }

 /* Error styling */
 .error {
     color: #dc3545;
     font-size: 0.9rem;
     margin-top: 5px;
 }

 .mb-3 {
     margin-bottom: 20px;
 }

 /* Loading state */
 .loading {
     position: relative;
 }

 .loading::after {
     content: '';
     position: absolute;
     top: 50%;
     left: 50%;
     width: 20px;
     height: 20px;
     margin: -10px 0 0 -10px;
     border: 2px solid #f3f3f3;
     border-top: 2px solid #0b3d91;
     border-radius: 50%;
     animation: spin 1s linear infinite;
 }

 @keyframes spin {
     0% {
         transform: rotate(0deg);
     }

     100% {
         transform: rotate(360deg);
     }
 }

 /* Additional improvements */
 .hero-text ul li::before {
     content: '✓';
     color: #28a745;
     font-weight: bold;
 }

 .result .icon {
     font-size: 1.5rem;
     margin-right: 10px;
 }

 .calculator form {
     position: relative;
 }

 .calculator .loading-overlay {
     display: none;
     position: absolute;
     top: 0;
     left: 0;
     right: 0;
     bottom: 0;
     background: rgba(255, 255, 255, 0.8);
     align-items: center;
     justify-content: center;
     z-index: 10;
 }

 .calculator.loading .loading-overlay {
     display: flex;
 }


 /* disclaimer  */

 .disclaimer {
     margin: 40px auto;
     padding: 30px;
     border-radius: 14px;
     transition: transform 0.3s ease;
 }

 .disclaimer:hover {
     transform: translateY(-2px);
 }

 .disclaimer h1 {
     color: #0b3d91;
     text-align: center;
     margin-bottom: 20px;
     font-size: 2.2rem;
     font-weight: 700;
 }

 .disclaimer h2 {
     color: #0b3d91;
     margin-top: 30px;
     font-weight: 800;
     font-size: 2rem;
     font-weight: 600;
 }

 .disclaimer h2 i {
     margin-right: 10px;
     color: #667eea;
 }

 .disclaimer p {
     font-size: 1.05rem;
     line-height: 1.7;
     margin-top: 10px;
 }

 .disclaimer ul {
     margin-top: 10px;
     list-style-type: none;
     padding-left: 20px;
 }

 .disclaimer ul li {
     margin-bottom: 8px;
     font-size: 1.05rem;
 }

 .disclaimer ul li::before {
     content: "• ";
     color: #667eea;
     font-weight: bold;
 }



 .note {
     background: #f0f6ff;
     border-left: 5px solid #0b3d91;
     padding: 15px;
     margin-top: 25px;
     border-radius: 8px;
     font-size: 1rem;
     transition: background 0.3s ease;
 }

 .note:hover {
     background: #e0f0ff;

 }