body {
            font-family: 'Poppins', sans-serif;
            background: #f0f2f5;
            color: #222;
        }

        .hero {
            background: linear-gradient(135deg, #4c6ef5, #15aabf);
            padding: 10px 20px;
            color: white;
            border-radius: 0 0 40px 40px;
            text-align: center;
        }

        .hero h1 {
            font-size: 36px;
            font-weight: 600;
        }

        .hero p {
            font-size: 18px;
            opacity: 0.9;
        }

        .tool-card1 {
            background: #fff;
            border-radius: 15px;
            padding: 25px;
            text-align: center;
            box-shadow: 0 4px 12px rgba(0,0,0,0.1);
            transition: 0.3s;
        }

        .tool-card1:hover {
            transform: translateY(-6px);
            box-shadow: 0 8px 20px rgba(0,0,0,0.15);
        }

        footer {
            background: linear-gradient(135deg, #15aabf, #4c6ef5 );
            color: #fff;
            text-align: center;
            padding: 12px 35px;
            margin-top: 4px;
            border-radius: 25px 25px 0 0;
        }
        footer a {
            color: #fff;
            text-decoration: none;
            transition: color 0.3s ease;
        }

        footer a:hover {
            color: #000;
            text-decoration: none;
        }
        .container {
            max-width: 1200px;
        }
        
        /* --- Section Header --- */
        .section-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 25px;
        }
        .section-title {
            font-size: 1.8rem;
            font-weight: 700;
            color: #1e293b;
            margin-bottom: 0;
            border-bottom: 3px solid #0d6efd;
            padding-bottom: 5px;
        }
        .more-tools-btn {
            font-weight: 600;
            font-size: 0.95rem;
            padding: 8px 18px;
            border-radius: 8px;
        }

        /* --- Tool Card --- */
        .tool-card-link {
            text-decoration: none;
            display: block;
            height: 100%;
        }
        .tool-card2 {
            background: #fff;
            border-radius: 16px;
            padding: 15px;
            box-shadow: 0 8px 20px rgba(13, 110, 253, 0.08);
            transition: all 0.3s ease;
            border: 1px solid #e2e8f0;
            height: 100%;
        }

        .tool-card2:hover {
            transform: translateY(-8px);
            box-shadow: 0 15px 35px rgba(13, 110, 253, 0.15);
        }
        .tool-card2 h6,
        .tool-card2 h5,
        .tool-card2 h4 {
            color: #0d6efd;   /* blue title */
        }

        .tool-card2 p {
            color: #000 !important;      /* black description */
        }

        .tool-icon {
            font-size: 38px;
            color: #0d6efd;
            margin-bottom: 12px;
        }

        .tool-title {
            font-size: 1.15rem;
            font-weight: 700;
            margin-bottom: 4px;
            color: #1e293b;
        }

        .tool-desc {
            color: #64748b;
            font-size: 0.85rem;
            margin-bottom: 0;
        }

        /* Mobile adjustments */

        @media (max-width: 768px) {
            .hero h1 { font-size: 22px; }
            .hero p { font-size: 15px; }
            nav a.nav-link { font-size: 16px !important; }
            .section-title { font-size: 1.5rem; }
            footer { padding: 10px 1px !important; font-size: 14px; }
            .tool-card2 { padding: 10px; }

        }


        /* pages */
        /* ==== PREMIUM PROFESSIONAL SIDEBAR ==== */
        .modern-sidebar {
            background: #ffffff;
            width: 260px;
            padding: 18px 14px;
            border-right: 1px solid #e5e7eb;
            box-shadow: 4px 0 18px rgba(0,0,0,0.04);
        }

        /* Heading */
        .modern-sidebar h4 {
            font-size: 1.05rem;
            font-weight: 700;
            letter-spacing: .3px;
            padding-left: 6px;
            margin-bottom: 12px;
            color: #0f172a;
            text-transform: uppercase;
        }

        /* Links */
        .modern-sidebar a {
            display: flex;
            align-items: center;
            gap: 10px;
            padding: 10px 12px;
            margin-bottom: 6px;
            border-radius: 10px;
            font-size: 0.92rem;
            font-weight: 500;
            color: #475569;
            text-decoration: none;
            transition: 0.25s ease;
            background: #fafafa;
            border: 1px solid #f1f5f9;
            box-shadow: 0px 1px 2px rgba(0,0,0,0.03);
        }

        /* Hover Effect */
        .modern-sidebar a:hover {
            background: #e8f3ff;
            border-color: #bfdbfe;
            color: #0d6efd;
            transform: translateX(4px);
        }

        /* Active Page */
        .modern-sidebar a.active {
            background: linear-gradient(135deg, #0d6efd, #1d4ed8);
            color: white;
            border: none;
            box-shadow: 0px 2px 10px rgba(13,110,253,0.4);
        }

        /* Active hover still blue */
        .modern-sidebar a.active:hover {
            transform: translateX(4px);
        }

        /* ICON CIRCLE (Auto Generated Pill Look) */
        .modern-sidebar a::before {
            content: "›";
            font-size: 16px;
            color: inherit;
            opacity: 0.7;
        }

        /* Make list compact on desktop only */
        @media (min-width: 992px) {
            .modern-sidebar a {
                padding: 9px 10px;
                margin-bottom: 5px;
            }
        }


        .main-wrapper {
            display: flex;
            min-height: 100vh;
        }
        .sidebar-wrapper {
            background: #ffffff;
            padding: 16px 14px !important;
            border-right: 1px solid #e2e8f0;
            width: 280px;
            flex-shrink: 0;
        }
        .content-area {
            flex-grow: 1;
            padding: 36px;
            min-width: 0;
        }

        /* Sidebar Links Styling */
        .sidebar-wrapper h4 {
            font-weight: 700;
            margin-bottom: 14px !important;  /* 24px se reduce */
            padding: 0 6px;
            color: #1e293b;
        }
        .sidebar-wrapper a {
            display: block;
            padding: 8px 8px !important;
            color: #475569;
            text-decoration: none;
            border-radius: 8px;
            transition: background 0.2s, color 0.2s;
            font-weight: 500;
            margin-bottom: 2px !important;
        }
        .sidebar-wrapper a:hover:not(.active) {
            background: #e0f2fe;
            color: #0d6efd;
        }
        .sidebar-wrapper a.active {
            background: #0d6efd;
            color: #fff;
            box-shadow: 0 4px 10px rgba(13, 110, 253, 0.2);
        }

        /* Cards & Results Styling */
        .card {
            border-radius: 16px;
            border: none;
            box-shadow: 0 10px 30px rgba(13, 110, 253, 0.08);
        }
        .result-box {
            background: #e9f0ff;
            border-radius: 12px;
            padding: 18px;
            border: 1px solid #c7d2fe;
        }
        .result-box .h5 {
            color: #0d6efd;
            font-size: 1.6rem;
        }
        .result-box p {
            color: #16a34a; /* Green for total earned */
            font-size: 1rem;
        }
        .result-box small {
            color: #475569 !important;
        }
        .form-label {
            font-weight: 600;
            color: #334155;
        }

        /* --- MOBILE VIEW (< 992px) --- */
        @media (max-width: 991px) {
            .main-wrapper {
                display: block;
            }
            .sidebar-wrapper {
                position: relative;
                height: auto;
                width: 100%;
                margin-left: 0;
                border-right: none;
                border-top: 1px solid #e2e8f0;
                padding: 18px;
            }
            .content-area {
                order: -1;
                margin-left: 0;
                padding: 18px;
            }
            
            /* ... Mobile Sidebar Links ... */
            .sidebar-wrapper h4 {
                margin-bottom: 12px;
                text-align: center;
                border-bottom: 2px solid #0d6efd;
                padding-bottom: 8px;
            }
            .sidebar-link-grid {
                display: grid;
                grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
                gap: 8px;
            }
            .sidebar-wrapper a {
                text-align: center;
                padding: 10px 5px;
                margin-bottom: 0;
                font-size: 0.9rem;
                background: #d1e9f0;
                color: #334155;
            }
            .sidebar-wrapper a:hover:not(.active) {
                background: #e0f2fe;
                color: #0d6efd;
            }
            .sidebar-wrapper a.active {
                background: #0d6efd;
                color: #fff;
            }
        }

        /* SIP-Lumsum css */

        .nav-tabs {
            border-bottom: none;
            margin-bottom: 0;
        }
        .nav-tabs .nav-link {
            font-weight: 600;
            color: #475569;
            border: 1px solid #e2e8f0;
            border-bottom: 1px solid transparent;
            border-radius: 10px 10px 0 0;
            margin-right: 2px;
        }
        .nav-tabs .nav-link.active {
            color: #0d6efd;
            background-color: #fff;
            border-color: #e2e8f0;
            border-bottom-color: #fff !important;
            margin-bottom: -1px;
        }

        
        .tab-content .card {
            margin-top: 0 !important;
        }
        #sip-calculator .card {
            border-top-left-radius: 0 !important;
        }
        #lumpsum-calculator .card {
            border-top-right-radius: 0 !important;
        }
        #fd-calculator .card {
            border-top-left-radius: 0 !important;
        }