/* ====== Global reset-ish (safe) ====== */
*{ box-sizing:border-box; }
html, body{ height:100%; }
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--hc-ink);
  background: var(--hc-bg);
}

/* ====== Top header ====== */
.hc-topbar{
  background: linear-gradient(180deg, var(--hc-navy), #081e30);
  color:#fff;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.hc-topbar-inner{
  max-width: 1220px;
  margin:0 auto;
  padding: 14px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}
.hc-brand{ display:flex; align-items:center; gap:12px; }
.hc-logo{
  width:44px; height:44px;
  border-radius:12px;
  background: rgba(255,255,255,.10);
  display:grid; place-items:center;
  color:#fff; text-decoration:none; font-weight:800;
}
.hc-brand-name{ font-size:20px; font-weight:800; line-height:1.1; }
.hc-brand-tag{ font-size:12px; opacity:.85; }

.hc-top-actions{ display:flex; gap:10px; align-items:center; }

.hc-nav{
  max-width: 1220px;
  margin:0 auto;
  padding: 10px 16px 14px;
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}
.hc-nav-item{
  text-decoration:none;
  color:#fff;
  padding:10px 14px;
  border-radius:14px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.10);
  font-weight:700;
  font-size:14px;
}
.hc-nav-item:hover{ background: rgba(255,255,255,.14); }

/* ====== Buttons ====== */
.btn-primary, .btn-ghost, .btn-outline{
  display:inline-flex; align-items:center; justify-content:center;
  border-radius:14px;
  padding:10px 14px;
  font-weight:800;
  text-decoration:none;
  cursor:pointer;
  border:1px solid transparent;
  user-select:none;
}
.btn-primary{
  background: var(--hc-blue);
  color:#fff;
  border-color: rgba(255,255,255,.15);
}
.btn-primary:hover{ background: var(--hc-blue-2); }
.btn-ghost{
  background: rgba(255,255,255,.08);
  color:#fff;
  border-color: rgba(255,255,255,.12);
}
.btn-ghost:hover{ background: rgba(255,255,255,.14); }
.btn-outline{
  background: #fff;
  color: var(--hc-navy);
  border-color: rgba(255,255,255,.18);
}
.btn-outline:hover{ filter: brightness(.98); }

/* ====== Under construction banner ====== */
.hc-under-construction{
  background: var(--hc-yellow-2);
  border-bottom: 2px solid rgba(15,23,42,.08);
}
.hc-uc-inner{
  max-width: 1220px;
  margin:0 auto;
  padding: 12px 16px;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:14px;
}
.hc-uc-badge{
  display:inline-block;
  font-weight:900;
  letter-spacing:.04em;
  background: var(--hc-yellow);
  padding:6px 10px;
  border-radius:12px;
  margin-right:10px;
}
.hc-uc-text{ color:#111827; }
.hc-uc-right{ white-space:nowrap; }
.hc-uc-stamp{
  display:inline-block;
  background:#fff;
  border:1px solid rgba(15,23,42,.12);
  padding:6px 10px;
  border-radius:999px;
  font-weight:800;
}

/* ====== Page layout grid (THIS is the structure fix) ====== */
.hc-page{ max-width: 1220px; margin: 0 auto; padding: 18px 16px 28px; }
.hc-grid{
  display:grid;
  grid-template-columns: 240px 1fr 320px; /* left, center, right */
  gap: 16px;
  align-items:start;
}
.hc-col{ min-width:0; }
@media (max-width: 1100px){
  .hc-grid{ grid-template-columns: 1fr; }
}

/* ====== Page heading ====== */
.hc-page-head{ margin: 8px 0 12px; }
.hc-h1{ margin:0; font-size:38px; letter-spacing:-.02em; }
.hc-subtitle{ margin:8px 0 0; color: var(--hc-muted); font-size:15px; }

/* ====== Cards ====== */
.hc-card{
  background: var(--hc-card);
  border: 1px solid var(--hc-line);
  border-radius: 18px;
  padding: 16px;
  box-shadow: 0 10px 26px rgba(15,23,42,.05);
  margin-bottom: 16px;
}
.hc-card-head{ margin-bottom: 10px; }
.hc-h2{ margin:0 0 10px; font-size:28px; }
.hc-h3{ margin:0 0 10px; font-size:22px; }
.hc-muted{ color: var(--hc-muted); margin: 6px 0; }

/* ====== Panels ====== */
.hc-panel{
  background: var(--hc-card);
  border: 1px solid var(--hc-line);
  border-radius: 18px;
  padding: 14px;
  box-shadow: 0 10px 26px rgba(15,23,42,.05);
  margin-bottom: 16px;
}
.hc-panel-title{ font-weight:900; font-size:18px; margin-bottom:6px; }
.hc-panel-subtitle{ color: var(--hc-muted); font-size:13px; margin-bottom:12px; }

.hc-panel-box{
  border: 1px solid var(--hc-line);
  border-radius: 14px;
  padding: 12px;
  margin-bottom: 12px;
  background: #f8fafc;
}
.hc-panel-group{ font-weight:900; color:#334155; margin-bottom:8px; }
.hc-panel-link{
  display:block;
  padding: 8px 10px;
  margin: 6px 0;
  border-radius: 12px;
  text-decoration:none;
  color: var(--hc-blue);
  font-weight:800;
}
.hc-panel-link:hover{ background: rgba(29,78,216,.08); }

/* Right panel news */
.hc-news{ display:flex; flex-direction:column; gap:10px; }
.hc-news-item{
  border: 1px solid var(--hc-line);
  border-radius: 14px;
  padding: 12px;
  background:#ffffff;
}
.hc-news-title{ font-weight:900; margin-bottom:4px; }
.hc-news-text{ color: var(--hc-muted); font-size:13px; }

.hc-rates-embed{
  border: 1px solid var(--hc-line);
  border-radius: 14px;
  overflow:hidden;
  background:#fff;
}

/* ====== Calculator form ====== */
.calc-form{ margin-top: 10px; }
.calc-section-title{
  font-weight:900;
  margin: 14px 0 10px;
  font-size:18px;
}
.calc-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 14px;
}
@media (max-width: 720px){
  .calc-grid{ grid-template-columns: 1fr; }
}

.calc-field span{
  display:block;
  font-weight:800;
  margin-bottom:6px;
}
.calc-field input, .calc-field select{
  width: 100%;
  max-width: 360px;   /* ✅ this is the “25% of old width” fix */
  padding: 10px 12px;
  border-radius: 12px;
  border: 1px solid var(--hc-line);
  background:#fff;
  font-size: 15px;
}
.calc-actions{
  margin-top: 14px;
  display:flex;
  gap:10px;
  align-items:center;
}

.hc-cta-inline{
  margin-top: 14px;
  padding: 14px;
  border: 1px dashed rgba(29,78,216,.35);
  border-radius: 16px;
  background: rgba(29,78,216,.04);
}
.hc-cta-inline-title{ font-weight:900; margin-bottom:6px; }
.hc-cta-inline-text{ color: var(--hc-muted); margin: 8px 0; }

/* Results */
.hc-results{ background:#fbfdff; }
.hc-results-grid{
  display:grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
}
@media (max-width: 960px){
  .hc-results-grid{ grid-template-columns: 1fr; }
}
.hc-kpi{
  border: 1px solid var(--hc-line);
  border-radius: 16px;
  padding: 12px;
  background:#fff;
}
.hc-kpi-label{ color: var(--hc-muted); font-weight:800; }
.hc-kpi-value{ font-size:28px; font-weight:950; margin-top:6px; }
.hc-kpi-sub{ color: var(--hc-muted); font-size:13px; margin-top:6px; }
.hc-note{
  margin-top: 12px;
  border: 1px solid var(--hc-line);
  border-radius: 16px;
  padding: 12px;
  background:#fff;
  color:#0f172a;
}

/* Misc list */
.hc-list{ margin: 10px 0 0; color: var(--hc-muted); }
.hc-list li{ margin: 8px 0; }