* { margin: 0; padding: 0; box-sizing: border-box; }
  
  :root {
    --primary: #3db5c7;
    --primary-dark: #2e8693;
    --secondary: #764ba2;
    --accent: #f093fb;
    --success: #10b981;
    --warning: #f59e0b;
    --danger: #ef4444;
    --text: #1a202c;
    --text-light: #6c757d;
    --bg: #f8fafc;
    --card: #ffffff;
    --border: #e2e8f0;
    --gradient: linear-gradient(135deg, #3db5c7 0%, #068fa3 100%);
    --gradient-soft: linear-gradient(42deg, #3db5c74f 0%, #f3e8ff32 100%);
  }

table,
thead,
tbody,
tfoot,
tr,
th,
td {
    margin: 0;
    padding: 0;
    border: 0;
    border-spacing: 0;
    border-collapse: collapse;
    background: transparent;
    color: inherit;
    font: inherit;
    text-align: inherit;
    vertical-align: inherit;
}

  .overlay{
    position: relative;
  }
  
  body {
    font-family: 'PT Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
  }
  
  /* Header */
  .header {
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
  }
  
  .header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 16px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
  
  .logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: 1.3em;
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .logo-mark {
    width: 36px;
    height: 36px;
    background: var(--gradient);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.1em;
    box-shadow: 0 4px 12px rgba(102, 126, 234, 0.3);
  }
  
  .header-cta {
    padding: 10px 20px;
    background: var(--gradient);
    color: white;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 0.9em;
    transition: transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 4px 12px rgba(102, 126, 234, 0.25);
  }
  
  .header-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4);
  }
  
  /* Hero */
  .hero {
    max-width: 1200px;
    margin: 0 auto;
    padding: 80px 24px 60px;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    align-items: center;
  }
  
  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: var(--gradient-soft);
    color: var(--primary-dark);
    border-radius: 100px;
    font-size: 0.85em;
    font-weight: 600;
    margin-bottom: 20px;
  }
  
  .hero h1 {
    font-size: 3.2em;
    font-weight: 800;
    line-height: 1.1;
    margin-bottom: 20px;
    letter-spacing: -0.02em;
  }
  
  .hero h1 .gradient-text {
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .hero p {
    font-size: 1.15em;
    color: var(--text-light);
    margin-bottom: 32px;
    max-width: 520px;
  }
  
  .hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
  }
  
  .btn-primary {
    padding: 14px 28px;
    background: var(--gradient);
    color: white;
    border: none;
    border-radius: 10px;
    font-weight: 600;
    font-size: 1em;
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 8px 24px rgba(102, 126, 234, 0.3);
  }
  
  .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 32px rgba(102, 126, 234, 0.45);
  }
  
  .btn-secondary {
    padding: 14px 28px;
    background: white;
    color: var(--text);
    border: 1px solid var(--border);
    border-radius: 10px;
    font-weight: 600;
    font-size: 1em;
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.2s;
  }
  
  .btn-secondary:hover {
    border-color: var(--primary);
    color: var(--primary);
    transform: translateY(-2px);
  }
  
  .hero-stats {
    display: flex;
    gap: 32px;
    margin-top: 40px;
    padding-top: 32px;
    border-top: 1px solid var(--border);
  }
  
  .stat-item .stat-value {
    font-size: 1.8em;
    font-weight: 800;
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .stat-item .stat-label {
    font-size: 0.85em;
    color: var(--text-light);
  }
  
  .hero-image {
    position: relative;
  }
  
  .hero-image img {
    width: 100%;
    height: auto;
    border-radius: 20px;
    box-shadow: 0 20px 60px rgba(102, 126, 234, 0.2);
  }
  
  .floating-card {
    position: absolute;
    background: white;
    padding: 14px 18px;
    border-radius: 14px;
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.1);
    display: flex;
    align-items: center;
    gap: 12px;
    animation: float 4s ease-in-out infinite;
  }
  
  .floating-card.top {
    /*top: 20px;
    right: -20px;*/
    top: 40px;
    left: 60px;
    animation-delay: 0s;
  }
  
  .floating-card.bottom {
    /*bottom: 30px;
    left: -20px;*/
    bottom: 30px;
    right: 50px;
    animation-delay: 2s;
  }
  
  .floating-card .fc-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2em;
  }
  
  .floating-card .fc-icon.green { background: #d1fae5; }
  .floating-card .fc-icon.purple { background: #ede9fe; }
  
  .floating-card .fc-text {
    font-size: 0.85em;
  }
  
  .floating-card .fc-text strong {
    display: block;
    font-size: 1.05em;
    color: var(--text);
  }
  
  .floating-card .fc-text span {
    color: var(--text-light);
    font-size: 0.9em;
  }
  
  @keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
  }
  
  /* Tabs */
  .tabs-section {
    max-width: 1200px;
    margin: 0 auto;
    padding: 40px 24px 80px;
  }
  
  .tabs {
    display: flex;
    gap: 8px;
    padding: 8px;
    background: white;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
    margin-bottom: 32px;
    overflow-x: auto;
    scrollbar-width: none;
  }
  
  .tabs::-webkit-scrollbar { display: none; }
  
  .tab {
    flex: 1;
    min-width: max-content;
    padding: 14px 20px;
    background: transparent;
    border: none;
    border-radius: 10px;
    font-family: inherit;
    font-size: 0.95em;
    font-weight: 600;
    color: var(--text-light);
    cursor: pointer;
    transition: all 0.25s;
    white-space: nowrap;
  }
  
  .tab:hover {
    color: var(--primary);
    background: var(--gradient-soft);
  }
  
  .tab.active {
    background: var(--gradient);
    color: white;
    box-shadow: 0 6px 16px rgba(102, 126, 234, 0.3);
  }
  
  .tab-content {
    display: none;
    background: white;
    border-radius: 20px;
    padding: 48px;
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.04);
    animation: fadeIn 0.4s ease;
    scroll-margin-top: 220px;
  }
  
  .tab-content.active {
    display: block;
  }
  
  @keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
  }
  
  .tab-content h2 {
    font-size: 2em;
    font-weight: 800;
    margin-bottom: 12px;
    letter-spacing: -0.02em;
  }
  
  .tab-content h3 {
    font-size: 1.4em;
    font-weight: 700;
    margin: 32px 0 16px;
  }
  
  /* Quiz */
  .quiz-question {
    background: var(--bg);
    border-radius: 14px;
    padding: 24px;
    margin-bottom: 16px;
    border: 1px solid var(--border);
    transition: all 0.2s;
  }
  
  .quiz-question:hover {
    border-color: #cbd5e1;
  }
  
  .quiz-question p {
    font-weight: 600;
    font-size: 1.05em;
    margin-bottom: 16px;
    color: var(--text);
  }
  
  .quiz-options {
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
  
  .quiz-option {
    padding: 14px 18px;
    background: white;
    border: 2px solid var(--border);
    border-radius: 10px;
    cursor: pointer;
    transition: all 0.2s;
    font-size: 0.95em;
    display: flex;
    align-items: center;
    gap: 12px;
  }
  
  .quiz-option::before {
    content: '';
    width: 20px;
    height: 20px;
    border: 2px solid var(--border);
    border-radius: 50%;
    flex-shrink: 0;
    transition: all 0.2s;
  }
  
  .quiz-option:hover {
    border-color: var(--primary);
    transform: translateX(4px);
  }
  
  .quiz-option.selected {
    border-color: var(--primary);
    background: var(--gradient-soft);
  }
  
  .quiz-option.selected::before {
    border-color: var(--primary);
    background: var(--gradient);
    box-shadow: inset 0 0 0 3px white;
  }
  
  /* Calculator */
  .calculator-input {
    margin-bottom: 20px;
  }
  
  .calculator-input label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 0.95em;
  }
  
  .calculator-input input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--border);
    border-radius: 10px;
    font-size: 1em;
    font-family: inherit;
    transition: all 0.2s;
    background: var(--bg);
  }
  
  .calculator-input input:focus {
    outline: none;
    border-color: var(--primary);
    background: white;
    box-shadow: 0 0 0 4px rgba(102, 126, 234, 0.1);
  }
  
  /* Dashboard */
  .dashboard {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
    margin-top: 20px;
  }
  
  .dashboard-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 24px;
    transition: all 0.3s;
    position: relative;
    overflow: hidden;
  }
  
  .dashboard-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s;
  }
  
  .dashboard-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
    border-color: transparent;
  }
  
  .dashboard-card:hover::before {
    transform: scaleX(1);
  }
  
  .dashboard-card h4 {
    font-size: 0.95em;
    color: var(--text-light);
    font-weight: 600;
    margin-bottom: 12px;
  }
  
  .metric {
    font-size: 2em;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 4px;
    letter-spacing: -0.02em;
  }
  
  .metric-label {
    color: var(--text-light);
    font-size: 0.9em;
    margin-bottom: 12px;
  }
  
  .trend-up {
    color: var(--success);
    font-weight: 600;
    font-size: 0.9em;
  }
  
  .trend-down {
    color: var(--warning);
    font-weight: 600;
    font-size: 0.9em;
  }
  
  /* Matrix table */
  .matrix-table {
    width: 100%;
    border-collapse: collapse;
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
    border: 1px solid var(--border);
  }
  
  .matrix-table thead {
    background: var(--gradient) !important;
    color: white;
  }
  
  .matrix-table th {
    padding: 16px;
    text-align: left;
    font-weight: 600;
    font-size: 0.95em;
    border-color: transparent;
  }
  
  .matrix-table td {
    padding: 16px;
    border-bottom: 1px solid var(--border);
    font-size: 0.95em;
  }
  
  .matrix-table tr:last-child td {
    border-bottom: none;
  }
  
  .matrix-table tr:hover td {
    background: var(--bg);
  }
  
  .checkmark {
    color: var(--success);
    font-weight: 600;
  }
  
  .dash {
    color: var(--text-light);
  }
  
  /* CTA section */
  .cta-section {
    margin-top: 40px;
    padding: 40px;
    background: var(--gradient);
    border-radius: 20px;
    text-align: center;
    color: white;
    position: relative;
    overflow: hidden;
  }
  
  .cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255,255,255,0.15) 0%, transparent 70%);
    border-radius: 50%;
  }
  
  .cta-section h3 {
    font-size: 1.6em;
    margin-bottom: 8px;
    position: relative;
    color: white;
  }
  
  .cta-section p {
    opacity: 0.95;
    margin-bottom: 24px;
    position: relative;
  }
  
  .cta-button {
    display: inline-block;
    padding: 14px 32px;
    background: white;
    color: var(--primary);
    border-radius: 10px;
    text-decoration: none;
    font-weight: 700;
    transition: all 0.2s;
    position: relative;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
  }
  
  .cta-button:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.2);
  }
  
  /* Results */
  .result-box {
    margin-top: 30px;
    padding: 32px;
    background: var(--gradient);
    border-radius: 16px;
    color: white;
    text-align: center;
    animation: fadeIn 0.4s ease;
  }
  
  .result-box h3 {
    font-size: 1.5em;
    margin-bottom: 16px;
  }
  
  .result-score {
    font-size: 3.5em;
    font-weight: 800;
    margin: 16px 0;
    letter-spacing: -0.02em;
  }
  
  .calculation-result {
    margin-top: 30px;
    padding: 32px;
    background: var(--bg);
    border: 2px solid var(--border);
    border-radius: 16px;
    animation: fadeIn 0.4s ease;
  }
  
  .calculation-result h3 {
    margin-bottom: 16px;
  }
  
  .calculation-result .amount {
    font-size: 2.5em;
    font-weight: 800;
    background: var(--gradient);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    margin: 16px 0;
    letter-spacing: -0.02em;
  }
  
  .calculation-result ul {
    list-style: none;
    padding: 0;
  }
  
  .calculation-result ul li {
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    display: flex;
    justify-content: space-between;
  }
  
  .calculation-result ul li:last-child {
    border-bottom: none;
  }
  
  /* Footer */
  .footer {
    background: var(--text);
    color: white;
    padding: 40px 24px;
    text-align: center;
    margin-top: 40px;
  }
  
  .footer p {
    opacity: 0.7;
    font-size: 0.9em;
  }
  
  /* Responsive */
  @media (max-width: 900px) {
    .hero {
      grid-template-columns: 1fr;
      padding: 40px 24px;
      gap: 40px;
    }
    
    .hero h1 { font-size: 2.2em; }
    
    .hero-stats { gap: 20px; }
    
    .tab-content { padding: 28px 20px; }
    
    .tab-content h2 { font-size: 1.5em; }
    
    /*.floating-card { display: none; }*/
  }
  
  @media (max-width: 600px) {
    .hero h1 { font-size: 1.9em; }
    
    .hero-actions { flex-direction: column; }
    .btn-primary, .btn-secondary { width: 100%; justify-content: center; }
    
    .hero-stats { flex-wrap: wrap; gap: 16px; }
    
    .tab { padding: 12px 16px; font-size: 0.85em; }
    
    .matrix-table { font-size: 0.85em; }
    .matrix-table th, .matrix-table td { padding: 10px 8px; }
    
    .cta-section { padding: 28px 20px; }
  }