/* Вільні та багаті — інструменти. Спокійний, чистий стиль. */
:root{
  --bg:#f7f4ec; --card:#fffdf8; --ink:#1f2a24; --muted:#5d6b63; --line:#e3ddcf;
  --green:#2d6a4f; --green-2:#40916c; --green-soft:#e3efe7; --gold:#c98f1f; --gold-soft:#fbf0d9;
  --red:#b5462f; --red-soft:#f8e3dd; --blue:#2f5d8a;
  --radius:14px; --shadow:0 1px 2px rgba(31,42,36,.06),0 6px 20px rgba(31,42,36,.06);
  --font: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.55}
a{color:var(--green)} a:hover{color:var(--green-2)}
img{max-width:100%}
.wrap{max-width:1040px;margin:0 auto;padding:0 16px}
/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:58px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:.2px}
.brand-mark{width:32px;height:32px;border-radius:9px;background:var(--green);color:#fff;display:grid;place-items:center;font-size:15px;font-weight:800}
.brand small{display:block;font-weight:500;color:var(--muted);font-size:12px;letter-spacing:0}
.nav-toggle{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);background:var(--card);border-radius:10px;padding:8px 12px;font:inherit;cursor:pointer;color:var(--ink)}
.site-nav{display:none;position:absolute;left:0;right:0;top:58px;background:var(--card);border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:8px 16px 14px}
.site-nav a{display:block;padding:10px 6px;text-decoration:none;color:var(--ink);border-radius:8px}
.site-nav a[aria-current="page"]{background:var(--green-soft);color:var(--green);font-weight:700}
@media(min-width:980px){
  .nav-toggle{display:none}
  .site-nav{display:block;position:static;border:0;box-shadow:none;background:none}
  .site-nav ul{display:flex;gap:2px;padding:0;flex-wrap:wrap}
  .site-nav a{padding:5px 7px;font-size:13px;white-space:nowrap}
  .site-nav .nl{display:none}
}
.site-nav .ns{display:none}
@media(min-width:980px){.site-nav .ns{display:inline}.site-nav .ni{display:none}}
@media(min-width:980px){.brand small{display:none}.brand{white-space:nowrap;flex-shrink:0}}
/* hero */
.hero{padding:28px 0 8px}
.hero h1{font-size:clamp(26px,5vw,38px);line-height:1.15;margin:0 0 10px}
.hero p.lead{font-size:clamp(16px,2.4vw,19px);color:var(--muted);margin:0 0 6px;max-width:720px}
.eyebrow{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green);background:var(--green-soft);padding:3px 9px;border-radius:999px;margin-bottom:10px}
/* layout */
main{padding-bottom:40px}
.grid{display:grid;gap:16px;grid-template-columns:minmax(0,1fr)}
.grid>*{min-width:0}
@media(min-width:760px){.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.tool-layout{grid-template-columns:minmax(280px,380px) minmax(0,1fr);align-items:start}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.card h2{margin:0 0 12px;font-size:20px}
.card h3{margin:16px 0 8px;font-size:17px}
section{margin-top:18px}
/* tool cards on landing */
.tool-card{display:flex;flex-direction:column;gap:6px;text-decoration:none;color:var(--ink);transition:transform .12s ease, box-shadow .12s ease}
.tool-card:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(31,42,36,.10);color:var(--ink)}
.tool-card .ico{font-size:26px}
.tool-card h3{margin:2px 0 0;font-size:18px}
.tool-card p{margin:0;color:var(--muted);font-size:15px}
.tag{display:inline-block;font-size:12px;font-weight:700;padding:2px 8px;border-radius:999px;background:var(--green-soft);color:var(--green);align-self:flex-start}
.tag.gold{background:var(--gold-soft);color:#8a5c00}.tag.grey{background:#eee9dd;color:var(--muted)}
.soon{opacity:.75}
/* forms */
label{display:block;font-weight:600;font-size:14px;margin:12px 0 4px}
.hint{display:block;font-weight:400;color:var(--muted);font-size:13px;margin-top:2px}
input[type=number],input[type=text],input[type=email],input[type=month],input[type=date],select{
  width:100%;font:inherit;padding:10px 12px;border:1px solid #d6cfbf;border-radius:10px;background:#fff;color:var(--ink);min-height:44px}
input:focus,select:focus,button:focus-visible,a:focus-visible{outline:3px solid rgba(45,106,79,.3);outline-offset:1px;border-color:var(--green)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.input-suffix{position:relative}.input-suffix span{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:14px;pointer-events:none}
.input-suffix input{padding-right:46px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;border:0;border-radius:10px;padding:11px 18px;background:var(--green);color:#fff;cursor:pointer;text-decoration:none;min-height:44px}
.btn:hover{background:var(--green-2);color:#fff}
.btn.secondary{background:var(--card);color:var(--green);border:1px solid var(--green)}
.btn.small{padding:6px 12px;min-height:34px;font-size:14px}
.btn.ghost{background:transparent;color:var(--muted);border:1px solid var(--line)}
.btn[disabled]{opacity:.5;cursor:not-allowed}
.seg{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff}
.seg button{font:inherit;border:0;background:transparent;padding:8px 14px;cursor:pointer;color:var(--muted);min-height:40px}
.seg button.on{background:var(--green);color:#fff;font-weight:700}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:6px}
.chip{font:inherit;font-size:13px;border:1px solid var(--line);background:#fff;border-radius:999px;padding:5px 11px;cursor:pointer}
.chip.on{border-color:var(--green);background:var(--green-soft);color:var(--green);font-weight:700}
/* results */
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px}
.kpi .k{font-size:13px;color:var(--muted)}
.kpi .v{font-size:22px;font-weight:800;line-height:1.2;margin-top:2px;font-variant-numeric:tabular-nums}
.kpi .s{font-size:13px;color:var(--muted)}
.kpi.good{background:var(--green-soft);border-color:#c7dfcf}.kpi.warn{background:var(--gold-soft);border-color:#efd9a8}.kpi.bad{background:var(--red-soft);border-color:#efc5b9}
.pos{color:var(--green)}.neg{color:var(--red)}
.note{background:var(--gold-soft);border:1px solid #efd9a8;border-radius:12px;padding:12px 14px;font-size:14px}
.note.green{background:var(--green-soft);border-color:#c7dfcf}
.muted{color:var(--muted)} .small{font-size:13px}
.progress{height:12px;background:#ece6d8;border-radius:999px;overflow:hidden}
.progress>div{height:100%;background:linear-gradient(90deg,var(--green),var(--green-2));border-radius:999px;transition:width .3s}
.chart-box{position:relative;height:300px;margin-top:12px}
@media(min-width:760px){.chart-box{height:360px}}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:14px;font-variant-numeric:tabular-nums}
th,td{padding:8px 10px;text-align:right;border-bottom:1px solid #efe9dc;white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{background:#f3efe4;font-weight:700;position:sticky;top:0}
tr.hl td{background:var(--green-soft);font-weight:700}
details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:10px 14px;margin-top:10px}
details summary{cursor:pointer;font-weight:700}
.howto ol,.howto ul{padding-left:20px}
.sources li{margin-bottom:4px;font-size:14px}
/* quiz */
.q{border:1px solid var(--line);border-radius:12px;padding:14px;background:#fff;margin-bottom:10px}
.q .qn{font-size:12px;font-weight:700;color:var(--green);letter-spacing:.06em;text-transform:uppercase}
.q h3{margin:4px 0 6px;font-size:17px}
.q p{margin:0 0 10px;color:var(--muted);font-size:14px}
.yn{display:flex;gap:8px}
.yn button{flex:1;font:inherit;font-weight:700;padding:10px;border-radius:10px;border:1px solid var(--line);background:#fff;cursor:pointer;min-height:44px}
.yn button.on.yes{background:var(--green);border-color:var(--green);color:#fff}
.yn button.on.no{background:#6b5f4c;border-color:#6b5f4c;color:#fff}
.score-big{font-size:48px;font-weight:900;line-height:1;color:var(--green)}
.tip{border-left:4px solid var(--gold);background:#fff;padding:10px 14px;border-radius:0 12px 12px 0;margin:10px 0}
.tip h4{margin:0 0 4px;font-size:16px}
.tip ul{margin:6px 0 0;padding-left:18px}
/* email */
.email-box{background:linear-gradient(135deg,#24563f,#2d6a4f);color:#f2f7f3;border-radius:var(--radius);padding:20px}
.email-box h2{color:#fff;margin:0 0 6px}
.email-box p{margin:0 0 12px;color:#d8e8de}
.email-box form{display:flex;flex-wrap:wrap;gap:8px}
.email-box input[type=email]{flex:1 1 220px;border:0}
.email-box .btn{background:var(--gold);color:#1f2a24}.email-box .btn:hover{background:#ddb04d}
.email-box .consent{font-size:12px;color:#cfe0d5;flex-basis:100%;display:flex;gap:8px;align-items:flex-start;font-weight:400;margin:4px 0 0}
.email-box .form-msg{flex-basis:100%;font-size:14px;margin-top:4px}
.hp{position:absolute!important;left:-9999px!important}
/* pro lock */
.pro{position:relative;border:2px dashed #d9c89b;background:repeating-linear-gradient(45deg,#fffaf0,#fffaf0 10px,#fbf3df 10px,#fbf3df 20px)}
.pro .lock{font-size:28px}
.pro ul{margin:8px 0 12px;padding-left:20px}
/* footer */
.site-footer{border-top:1px solid var(--line);background:#efe9dc;padding:22px 0 30px;font-size:14px;color:var(--muted)}
.site-footer .disclaimer{font-weight:800;color:var(--ink);font-size:15px}
.site-footer a{color:var(--ink)}
.footer-links{display:flex;flex-wrap:wrap;gap:14px;margin:10px 0}
.portfolio-table input{min-height:38px;padding:6px 8px;font-size:14px;min-width:80px}
.portfolio-table td{padding:6px}
.vis-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media print{.site-header,.email-box,.nav-toggle{display:none}}
/* --- merged site: gates, budget page, beta banners --- */
.gate .email-box{border:2px dashed rgba(255,255,255,.35)}
.lockline{display:flex;gap:10px;align-items:flex-start;background:var(--gold-soft);border:1px solid #efd9a8;border-radius:12px;padding:12px 14px;margin-top:12px}
.lockline .ico{font-size:22px;line-height:1}
.tag.pro{background:#efe9fb;color:#5b3f9a}
.tag.red{background:var(--red-soft);color:var(--red)}
.beta-banner{border:2px solid var(--red);background:var(--red-soft);color:#5a1f1a;border-radius:var(--radius);padding:14px 16px;margin-top:14px}
.beta-banner b{display:block;font-size:17px;margin-bottom:4px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:10px}
.steps li{counter-increment:s;position:relative;padding:10px 12px 10px 48px;background:#fff;border:1px solid var(--line);border-radius:12px}
.steps li::before{content:counter(s);position:absolute;left:12px;top:10px;width:26px;height:26px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:grid;place-items:center;font-size:14px}
.sheet-list{display:grid;gap:10px}
@media(min-width:760px){.sheet-list{grid-template-columns:1fr 1fr}}
.sheet-list div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px}
.sheet-list b{display:block}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:10px}
.extras-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
/* --- тест «Який ти інвестор?» (investor-quiz.html) --- */
.iq-types{display:flex;gap:10px;font-size:34px;margin:6px 0 4px}
.iq-quiz{max-width:680px;margin-left:auto;margin-right:auto;overflow:hidden;scroll-margin-top:72px}
.iq-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:10px}
.iq-count{font-size:13px;font-weight:700;color:var(--green);letter-spacing:.04em;text-transform:uppercase}
.iq-progress{height:8px;margin-bottom:14px}
.iq-q h2{font-size:clamp(19px,4.6vw,23px);line-height:1.3;margin:4px 0 6px;outline:none}
.iq-q>p{margin:0 0 14px;font-size:14px}
.iq-qemoji{font-size:38px;line-height:1}
.iq-opts{display:grid;gap:10px}
.iq-opt{display:flex;align-items:center;gap:12px;width:100%;text-align:left;font:inherit;font-size:16px;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;min-height:54px;cursor:pointer;transition:border-color .15s,background .15s,transform .1s}
@media(hover:hover){.iq-opt:hover{border-color:var(--green-2);background:#fbfaf5}}
.iq-opt:active{transform:scale(.99)}
.iq-opt.on{border-color:var(--green);background:var(--green-soft);font-weight:700}
.iq-key{flex:0 0 28px;height:28px;border-radius:8px;display:grid;place-items:center;background:#f1ece0;color:var(--muted);font-weight:800;font-size:14px}
.iq-opt.on .iq-key{background:var(--green);color:#fff}
.iq-q.in-right{animation:iqInR .28s ease both}.iq-q.in-left{animation:iqInL .28s ease both}
@keyframes iqInR{from{opacity:0;transform:translateX(28px)}to{opacity:1;transform:none}}
@keyframes iqInL{from{opacity:0;transform:translateX(-28px)}to{opacity:1;transform:none}}
#iq-result{animation:iqFade .35s ease both;scroll-margin-top:72px}
@keyframes iqFade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion: reduce){.iq-q.in-right,.iq-q.in-left,#iq-result{animation:none}.iq-opt{transition:none}}
/* картка для скріншоту: 4:5 (1080×1350 при ширині 540px і 2× щільності) */
.iq-share{container-type:inline-size;width:100%;max-width:540px;margin:0 auto}
.iq-card{aspect-ratio:4/5;width:100%;border-radius:5cqw;padding:6.5cqw 6.5cqw 5cqw;color:#fff;display:flex;flex-direction:column;
  background:radial-gradient(120% 80% at 85% 0%,rgba(255,255,255,.18),transparent 60%),linear-gradient(160deg,var(--c1),var(--c2));box-shadow:0 12px 40px rgba(31,42,36,.18);overflow:hidden}
.iq-ck{font-size:3.6cqw;font-weight:800;letter-spacing:.14em;text-transform:uppercase;opacity:.85}
.iq-cemoji{font-size:16cqw;line-height:1.1;margin:2cqw 0 .6cqw}
.iq-cname{font-size:9.2cqw;font-weight:900;line-height:1.05;letter-spacing:-.01em}
.iq-ctag{font-size:4.6cqw;line-height:1.3;margin-top:2.2cqw;opacity:.95}
.iq-ctraits{list-style:none;padding:0;margin:3.4cqw 0 2.4cqw;display:flex;flex-wrap:wrap;gap:1.6cqw}
.iq-ctraits li{font-size:3.3cqw;font-weight:700;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:1.2cqw 3cqw}
.iq-cscale{list-style:none;padding:0;margin:auto 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1.6cqw}
.iq-cscale li{text-align:center;border-radius:3cqw;padding:1.8cqw .6cqw;background:rgba(0,0,0,.14);opacity:.6}
.iq-cscale li span{display:block;font-size:6cqw;line-height:1.2}
.iq-cscale li small{display:block;font-size:2.6cqw;font-weight:700;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.iq-cscale li.on{opacity:1;background:rgba(255,255,255,.95);color:var(--c1)}
.iq-cfoot{display:flex;justify-content:space-between;align-items:baseline;gap:3cqw;margin-top:3.6cqw;padding-top:3cqw;border-top:1px solid rgba(255,255,255,.3);font-size:3cqw;line-height:1.3;opacity:.9}
.iq-cfoot span:last-child{white-space:nowrap}
.iq-actions{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;align-items:center;margin:16px auto 0;max-width:680px}
.iq-shot{text-align:center;margin:6px 0 0}
.iq-linknote{max-width:540px;margin:0 auto 14px;display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:space-between}
.iq-full{max-width:780px;margin:18px auto 0}
.iq-full h3{margin-top:20px}
.iq-first{margin-bottom:6px}
.iq-meters{display:grid;gap:12px;margin:10px 0}
@media(min-width:620px){.iq-meters{grid-template-columns:1fr 1fr}}
.iq-mh{display:flex;justify-content:space-between;font-size:14px;margin-bottom:4px}
.iq-mist li{margin-bottom:4px}
.iq-alloc{display:flex;height:34px;border-radius:10px;overflow:hidden;font-size:13px;font-weight:800;color:#fff}
.iq-alloc span{display:grid;place-items:center;min-width:34px}
.a-cash{background:#7d8b84}.a-bonds{background:var(--blue)}.a-etf{background:var(--green)}
.iq-legend{list-style:none;padding:0;margin:10px 0;display:grid;gap:4px;font-size:14px}
.iq-legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:8px;vertical-align:-1px}
.iq-tools{display:grid;gap:10px;grid-template-columns:minmax(0,1fr)}
@media(min-width:620px){.iq-tools{grid-template-columns:repeat(3,minmax(0,1fr))}}
.iq-tools .tool-card{flex-direction:row;align-items:center;gap:10px;padding:12px 14px;font-weight:700;font-size:15px}
.iq-tools .tool-card .ico{font-size:22px}
@media(min-width:980px) and (max-width:1099px){.site-nav a{padding:5px 4px;font-size:12.5px}}