* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            line-height: 1.6;
            color: #333;
            background: #f8f9fa;
        }

        /* Top Bar */
        .top-bar {
            background: #2d3748;
            color: white;
            padding: 8px 0;
            font-size: 14px;
        }

        .top-bar-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .contact-info {
            display: flex;
            gap: 20px;
        }

        .contact-info span {
            display: flex;
            align-items: center;
            gap: 5px;
        }

        .social-links {
            display: flex;
            gap: 10px;
        }

        .social-links a {
            color: white;
            text-decoration: none;
            padding: 5px;
            border-radius: 3px;
            transition: background 0.3s;
        }

        .social-links a:hover {
            background: rgba(255,255,255,0.1);
        }

        /* Header */
        .header {
            background: white;
            box-shadow: 0 2px 10px rgba(0,0,0,0.1);
            position: sticky;
            top: 0;
            z-index: 1000;
        }

        .header-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            min-height: 70px;
        }

        .logo {
            display: flex;
            align-items: center;
            gap: 10px;
            text-decoration: none;
            color: #2d3748;
        }

        .logo-icon {
            font-size: 2rem;
        }

        .logo-text {
            font-size: 1.5rem;
            font-weight: bold;
        }

        .main-nav {
            display: flex;
            list-style: none;
            gap: 30px;
        }

        .main-nav a {
            text-decoration: none;
            color: #4a5568;
            font-weight: 600;
            padding: 10px 15px;
            border-radius: 8px;
            transition: all 0.3s ease;
        }

        .main-nav a:hover, .main-nav a.active {
            background: linear-gradient(135deg, #10b981, #059669);
            color: white;
        }

        .mobile-menu-toggle {
            display: none;
            flex-direction: column;
            cursor: pointer;
            padding: 5px;
        }

        .mobile-menu-toggle span {
            width: 25px;
            height: 3px;
            background: #4a5568;
            margin: 3px 0;
            transition: 0.3s;
        }

        /* Breadcrumbs - Centered */
        .breadcrumbs {
            background: #f1f5f9;
            padding: 15px 0;
            border-bottom: 1px solid #e2e8f0;
        }

        .breadcrumbs-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
            text-align: center;
        }

        .breadcrumbs-list {
            display: inline-flex;
            list-style: none;
            gap: 10px;
            align-items: center;
        }

        .breadcrumbs-list li {
            color: #64748b;
            font-size: 14px;
        }

        .breadcrumbs-list a {
            color: #10b981;
            text-decoration: none;
        }

        .breadcrumbs-list a:hover {
            text-decoration: underline;
        }

        /* Page Header */
        .page-header {
            background: linear-gradient(135deg, #10b981 0%, #059669 100%);
            color: white;
            padding: 60px 0;
            text-align: center;
        }

        .page-header-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }

        .page-header h1 {
            font-size: 3rem;
            margin-bottom: 15px;
            text-shadow: 2px 2px 4px rgba(0,0,0,0.3);
        }

        .page-header-subtitle {
            font-size: 1.2rem;
            opacity: 0.95;
            max-width: 600px;
            margin: 0 auto 25px;
        }

        .page-stats {
            display: flex;
            justify-content: center;
            gap: 40px;
            flex-wrap: wrap;
            margin-top: 30px;
        }

        .stat-item {
            text-align: center;
        }

        .stat-number {
            display: block;
            font-size: 2rem;
            font-weight: bold;
            margin-bottom: 5px;
        }

        .stat-label {
            font-size: 0.9rem;
            opacity: 0.9;
        }

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

        .main-content {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 40px;
            padding: 40px 0;
        }

        .calculator-section {
            background: white;
            border-radius: 15px;
            padding: 40px;
            box-shadow: 0 15px 35px rgba(0,0,0,0.1);
            height: fit-content;
            position: sticky;
            top: 120px;
        }

        .calculator-title {
            font-size: 2rem;
            color: #2d3748;
            margin-bottom: 30px;
            text-align: center;
            border-bottom: 3px solid #10b981;
            padding-bottom: 15px;
        }

        .calculator-tabs {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 10px;
            margin-bottom: 25px;
        }

        .tab-btn {
            padding: 12px;
            border: 2px solid #e2e8f0;
            border-radius: 8px;
            background: white;
            cursor: pointer;
            transition: all 0.3s ease;
            font-weight: 600;
            color: #4a5568;
        }

        .tab-btn.active {
            background: linear-gradient(135deg, #10b981, #059669);
            color: white;
            border-color: #10b981;
        }

        .input-group {
            margin-bottom: 25px;
        }

        .input-group label {
            display: block;
            margin-bottom: 10px;
            font-weight: 600;
            color: #2d3748;
            font-size: 1.1rem;
        }

        .input-group input {
            width: 100%;
            padding: 15px 20px;
            border: 2px solid #e2e8f0;
            border-radius: 10px;
            font-size: 1.1rem;
            transition: border-color 0.3s ease;
        }

        .input-group input:focus {
            outline: none;
            border-color: #10b981;
            box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.1);
        }

        .currency {
            position: relative;
        }

        .currency::before {
            content: '$';
            position: absolute;
            left: 20px;
            top: 50%;
            transform: translateY(-50%);
            color: #718096;
            font-weight: 600;
            font-size: 1.1rem;
        }

        .currency input {
            padding-left: 40px;
        }

        .time-unit {
            position: relative;
        }

        .time-unit::after {
            content: 'years';
            position: absolute;
            right: 20px;
            top: 50%;
            transform: translateY(-50%);
            color: #718096;
            font-size: 0.95rem;
        }

        .result {
            background: linear-gradient(135deg, #10b981, #059669);
            color: white;
            padding: 30px;
            border-radius: 15px;
            text-align: center;
            margin-top: 30px;
            opacity: 0;
            transform: translateY(10px);
            transition: all 0.3s ease;
        }

        .result.show {
            opacity: 1;
            transform: translateY(0);
        }

        .result-value {
            font-size: 3rem;
            font-weight: bold;
            margin-bottom: 10px;
        }

        .result-label {
            font-size: 1.2rem;
            opacity: 0.9;
            margin-bottom: 15px;
        }

        .result-details {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-top: 20px;
            padding-top: 20px;
            border-top: 1px solid rgba(255,255,255,0.3);
        }

        .result-detail {
            background: rgba(255,255,255,0.1);
            padding: 15px;
            border-radius: 8px;
        }

        .result-detail-value {
            font-size: 1.5rem;
            font-weight: bold;
        }

        .result-detail-label {
            font-size: 0.9rem;
            opacity: 0.8;
        }

        .roi-interpretation {
            background: rgba(255,255,255,0.15);
            padding: 15px;
            border-radius: 8px;
            margin-top: 20px;
        }

        .roi-interpretation h4 {
            margin-bottom: 8px;
            font-size: 1.1rem;
        }

        .roi-interpretation p {
            font-size: 0.95rem;
            opacity: 0.9;
        }

        .formula-section {
            background: #f7fafc;
            border: 1px solid #e2e8f0;
            border-radius: 10px;
            padding: 20px;
            margin-top: 25px;
        }

        .formula-title {
            font-weight: 600;
            color: #2d3748;
            margin-bottom: 10px;
        }

        .formula {
            font-family: 'Courier New', monospace;
            font-size: 1.1rem;
            color: #4a5568;
            background: white;
            padding: 15px;
            border-radius: 8px;
            margin: 10px 0;
        }

        /* Content Section */
        .content-section {
            background: white;
            border-radius: 15px;
            padding: 40px;
            box-shadow: 0 15px 35px rgba(0,0,0,0.1);
        }

        .content-section h2 {
            color: #2d3748;
            margin-bottom: 20px;
            font-size: 1.8rem;
            border-bottom: 2px solid #10b981;
            padding-bottom: 10px;
        }

        .content-section h3 {
            color: #4a5568;
            margin: 25px 0 15px;
            font-size: 1.3rem;
        }

        .content-section p {
            margin-bottom: 15px;
            color: #4a5568;
            font-size: 1.05rem;
        }

        .benchmark-table {
            width: 100%;
            border-collapse: collapse;
            margin: 20px 0;
            background: white;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            border-radius: 10px;
            overflow: hidden;
        }

        .benchmark-table th,
        .benchmark-table td {
            padding: 15px;
            text-align: left;
            border-bottom: 1px solid #e2e8f0;
        }

        .benchmark-table th {
            background: linear-gradient(135deg, #10b981, #059669);
            color: white;
            font-weight: 600;
        }

        .benchmark-table tr:hover {
            background: #f8f9ff;
        }

        .tip-box {
            background: linear-gradient(135deg, #d1fae5, #a7f3d0);
            border-left: 4px solid #10b981;
            padding: 20px;
            margin: 25px 0;
            border-radius: 0 10px 10px 0;
        }

        .tip-box h4 {
            color: #065f46;
            margin-bottom: 10px;
            font-size: 1.2rem;
        }

        .tip-box p {
            color: #047857;
            margin: 0;
        }

        .roi-scale {
            background: #f0fdf4;
            border: 2px solid #86efac;
            border-radius: 10px;
            padding: 20px;
            margin: 20px 0;
        }

        .roi-scale h4 {
            color: #065f46;
            margin-bottom: 15px;
        }

        .scale-item {
            display: flex;
            align-items: center;
            margin-bottom: 10px;
            padding: 10px;
            border-radius: 5px;
            background: white;
        }

        .scale-indicator {
            width: 10px;
            height: 10px;
            border-radius: 50%;
            margin-right: 15px;
        }

        .scale-excellent { background: #10b981; }
        .scale-good { background: #34d399; }
        .scale-fair { background: #fbbf24; }
        .scale-poor { background: #ef4444; }

        /* Ad Placement Areas - Strategic Locations */
        .ad-banner {
            background: #f1f5f9;
            border: 2px dashed #cbd5e0;
            border-radius: 8px;
            padding: 20px;
            text-align: center;
            margin: 30px 0;
            color: #64748b;
            font-size: 14px;
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ad-banner:hover {
            background: #e2e8f0;
            border-color: #a0aec0;
            transform: translateY(-2px);
        }

        .ad-sidebar {
            background: #f1f5f9;
            border: 2px dashed #cbd5e0;
            border-radius: 8px;
            padding: 15px;
            text-align: center;
            margin: 20px 0;
            color: #64748b;
            font-size: 12px;
            min-height: 250px;
            display: flex;
            align-items: center;
            justify-content: center;
            position: fixed;
            right: 20px;
            top: 50%;
            transform: translateY(-50%);
            width: 160px;
            z-index: 100;
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ad-sidebar:hover {
            background: #e2e8f0;
            border-color: #a0aec0;
        }

        .ad-inline {
            background: #f1f5f9;
            border: 2px dashed #cbd5e0;
            border-radius: 8px;
            padding: 15px;
            text-align: center;
            margin: 20px 0;
            color: #64748b;
            font-size: 13px;
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ad-inline:hover {
            background: #e2e8f0;
            border-color: #a0aec0;
            transform: translateY(-1px);
        }

        .ad-floating {
            position: fixed;
            bottom: 20px;
            right: 20px;
            background: #f1f5f9;
            border: 2px dashed #cbd5e0;
            border-radius: 10px;
            padding: 15px;
            text-align: center;
            color: #64748b;
            font-size: 12px;
            width: 200px;
            z-index: 1000;
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ad-floating:hover {
            background: #e2e8f0;
            border-color: #a0aec0;
        }

        .related-calculators {
            background: #f8f9fa;
            padding: 60px 0;
        }

        .related-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 25px;
            margin-top: 30px;
        }

        .related-card {
            background: white;
            padding: 25px;
            border-radius: 15px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            text-align: center;
            transition: transform 0.3s ease;
        }

        .related-card:hover {
            transform: translateY(-5px);
        }

        .related-card-icon {
            font-size: 2.5rem;
            margin-bottom: 15px;
            display: block;
        }

        .related-card h3 {
            color: #2d3748;
            margin-bottom: 10px;
            font-size: 1.2rem;
        }

        .related-card p {
            color: #4a5568;
            font-size: 0.95rem;
            margin-bottom: 15px;
        }

        .related-card a {
            color: #10b981;
            text-decoration: none;
            font-weight: 600;
        }

        .related-card a:hover {
            text-decoration: underline;
        }

        /* FAQ Section */
        .faq-section {
            background: white;
            padding: 60px 0;
        }

        .faq-item {
            border-bottom: 1px solid #e2e8f0;
            padding: 20px 0;
        }

        .faq-question {
            font-weight: 600;
            color: #2d3748;
            margin-bottom: 10px;
            font-size: 1.1rem;
        }

        .faq-answer {
            color: #4a5568;
            line-height: 1.6;
        }

        /* Footer */
        .footer {
            background: #2d3748;
            color: white;
            padding: 60px 0 20px;
        }

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

        .footer-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 40px;
            margin-bottom: 40px;
        }

        .footer-section h3 {
            color: white;
            margin-bottom: 20px;
            font-size: 1.3rem;
        }

        .footer-section p {
            color: #a0aec0;
            line-height: 1.6;
            margin-bottom: 15px;
        }

        .footer-links {
            list-style: none;
        }

        .footer-links li {
            margin-bottom: 10px;
        }

        .footer-links a {
            color: #a0aec0;
            text-decoration: none;
            transition: color 0.3s;
        }

        .footer-links a:hover {
            color: white;
        }

        .footer-bottom {
            border-top: 1px solid #4a5568;
            padding-top: 20px;
            text-align: center;
            color: #a0aec0;
        }

        .footer-bottom-content {
            display: flex;
            justify-content: space-between;
            align-items: center;
            flex-wrap: wrap;
            gap: 15px;
        }

        /* Mobile Optimization */
        @media (max-width: 768px) {
            .top-bar-content {
                flex-direction: column;
                gap: 10px;
            }

            .contact-info {
                display: none;
            }

            .header-content {
                padding: 0 15px;
            }

            .main-nav {
                display: none;
                position: absolute;
                top: 100%;
                left: 0;
                right: 0;
                background: white;
                flex-direction: column;
                gap: 0;
                box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            }

            .main-nav.active {
                display: flex;
            }

            .main-nav a {
                padding: 15px 20px;
                border-radius: 0;
                border-bottom: 1px solid #e2e8f0;
            }

            .mobile-menu-toggle {
                display: flex;
            }

            .page-header h1 {
                font-size: 2.5rem;
            }

            .page-stats {
                gap: 20px;
            }

            .main-content {
                grid-template-columns: 1fr;
                gap: 30px;
            }

            .calculator-section {
                position: static;
                padding: 25px;
            }

            .content-section {
                padding: 25px;
            }

            .result-details {
                grid-template-columns: 1fr;
            }

            .calculator-tabs {
                grid-template-columns: 1fr;
            }

            .footer-bottom-content {
                flex-direction: column;
                text-align: center;
            }

            .ad-sidebar {
                position: static;
                width: 100%;
                transform: none;
                right: auto;
                top: auto;
                margin: 20px 0;
            }

            .ad-floating {
                position: static;
                width: 100%;
                margin: 20px 0;
                bottom: auto;
                right: auto;
            }
        }

        /* Animation for mobile menu */
        .mobile-menu-toggle.active span:nth-child(1) {
            transform: rotate(-45deg) translate(-5px, 6px);
        }

        .mobile-menu-toggle.active span:nth-child(2) {
            opacity: 0;
        }

        .mobile-menu-toggle.active span:nth-child(3) {
            transform: rotate(45deg) translate(-5px, -6px);
        }

        .hidden {
            display: none !important;
        }