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    <title>Learning Module - Financial Education | Nivezo</title>
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    {
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        "@type": "LearningResource",
        "name": "Financial Education Module",
        "description": "Interactive financial education module to build your personal finance knowledge. Learn investment strategies, budgeting, and wealth building techniques.",
        "url": "https://nivezo.in/module.html",
        "image": "https://nivezo.in/assets/images/modules-social-share.jpg",
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        "educationalLevel": "Beginner",
        "learningResourceType": "Course Module",
        "teaches": [
            "Personal Finance Fundamentals",
            "Money Management",
            "Financial Planning",
            "Investment Basics"
        ],
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        "inLanguage": "en-US",
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            "audienceType": "Adults learning personal finance"
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            "name": "Nivezo Financial Education Course",
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    <style>
        :root {
            --primary-color: #2563eb;
            --primary-dark: #1d4ed8;
            --bg-primary: #ffffff;
            --text-primary: #1e293b;
            --text-secondary: #64748b;
            --bg-secondary: #f8fafc;
            --border-color: #e2e8f0;
        }

        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
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        body {
            font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
            line-height: 1.6;
            color: var(--text-primary);
            background: var(--bg-secondary);
        }

        .navbar {
            background-color: var(--bg-primary);
            padding: 1rem 0;
            box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
            margin-bottom: 2rem;
        }

        .navbar .container {
            display: flex;
            justify-content: space-between;
            align-items: center;
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 2rem;
        }

        .nav-brand {
            font-size: 1.5rem;
            font-weight: 700;
            background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            text-decoration: none;
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }

        .nav-pie-chart {
            width: 24px;
            height: 24px;
            border: 3px solid var(--primary-color);
            border-radius: 50%;
            border-top-color: var(--primary-dark);
            border-right-color: transparent;
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        .nav-actions {
            display: flex;
            align-items: center;
            gap: 1rem;
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        .btn {
            padding: 0.5rem 1rem;
            border-radius: 0.5rem;
            font-weight: 500;
            cursor: pointer;
            border: none;
            transition: all 0.3s ease;
            font-size: 0.9rem;
            text-decoration: none;
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
        }

        .btn-secondary {
            background: #f1f5f9;
            color: var(--text-primary);
        }

        .btn:hover {
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
        }

        .container {
            max-width: 800px;
            margin: 0 auto;
            padding: 0 2rem;
        }

        .back-link {
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
            color: var(--primary-color);
            text-decoration: none;
            font-weight: 500;
            margin-bottom: 2rem;
            transition: all 0.3s ease;
        }

        .back-link:hover {
            color: var(--primary-dark);
        }

        .back-to-modules {
            margin-top: 3rem;
            padding-top: 2rem;
            border-top: 2px solid var(--border-color);
            text-align: center;
        }

        .loading-container {
            text-align: center;
            padding: 4rem 2rem;
        }

        .loading-spinner {
            width: 50px;
            height: 50px;
            border: 4px solid var(--border-color);
            border-top: 4px solid var(--primary-color);
            border-radius: 50%;
            animation: spin 1s linear infinite;
            margin: 0 auto 1rem;
        }

        @keyframes spin {
            0% { transform: rotate(0deg); }
            100% { transform: rotate(360deg); }
        }

        .error-message {
            text-align: center;
            padding: 2rem;
            color: #dc2626;
            background: #fef2f2;
            border-radius: 0.5rem;
            border: 1px solid #fecaca;
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        .module-post {
            background: var(--bg-primary);
            border-radius: 1.5rem;
            padding: 3rem;
            box-shadow: 0 10px 30px rgba(0,0,0,0.1);
            margin-bottom: 2rem;
        }

        .module-header {
            margin-bottom: 3rem;
            padding-bottom: 2rem;
            border-bottom: 2px solid var(--border-color);
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        .module-number {
            display: inline-block;
            background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
            color: white;
            padding: 0.5rem 1.5rem;
            border-radius: 2rem;
            font-size: 0.9rem;
            font-weight: 600;
            margin-bottom: 1.5rem;
            text-transform: uppercase;
            letter-spacing: 0.5px;
        }

        .module-title {
            font-size: 3rem;
            font-weight: 800;
            color: var(--text-primary);
            margin-bottom: 1.5rem;
            line-height: 1.1;
        }

        .module-description {
            font-size: 1.2rem;
            color: var(--text-secondary);
            margin-bottom: 2rem;
            line-height: 1.7;
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        .module-content {
            font-size: 1.1rem;
            line-height: 1.8;
            color: var(--text-primary);
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        .module-content h1 {
            font-size: 2rem;
            font-weight: 700;
            color: var(--text-primary);
            margin: 2rem 0 1rem 0;
            padding-bottom: 0.5rem;
            border-bottom: 2px solid var(--border-color);
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        .module-content h2 {
            font-size: 1.5rem;
            font-weight: 600;
            color: var(--text-primary);
            margin: 2rem 0 1rem 0;
        }

        .module-content h3 {
            font-size: 1.25rem;
            font-weight: 600;
            color: var(--text-primary);
            margin: 1.5rem 0 0.75rem 0;
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        .module-content p {
            margin-bottom: 1.5rem;
            line-height: 1.7;
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        .module-content ul, .module-content ol {
            margin: 1rem 0 1.5rem 2rem;
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        .module-content li {
            margin-bottom: 0.5rem;
        }

        .module-content blockquote {
            background: var(--bg-secondary);
            border-left: 4px solid var(--primary-color);
            margin: 1.5rem 0;
            padding: 1rem 1.5rem;
            font-style: italic;
            color: var(--text-secondary);
        }

        .module-content pre {
            background: #f8f9fa;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1.5rem 0;
            overflow-x: auto;
            border: 1px solid var(--border-color);
        }

        .module-content code {
            font-family: 'Monaco', 'Menlo', 'Ubuntu Mono', monospace;
            font-size: 0.9rem;
        }

        .module-content hr {
            border: none;
            height: 2px;
            background: var(--border-color);
            margin: 2rem 0;
        }

        .callout {
            background: var(--bg-secondary);
            border-left: 4px solid var(--primary-color);
            padding: 1rem;
            margin: 1.5rem 0;
            border-radius: 0.5rem;
            display: flex;
            align-items: flex-start;
            gap: 0.75rem;
        }

        .callout-icon {
            font-size: 1.2rem;
            flex-shrink: 0;
        }

        .toggle {
            background: var(--bg-secondary);
            border: 1px solid var(--border-color);
            border-radius: 0.5rem;
            margin: 1rem 0;
        }

        .toggle summary {
            padding: 1rem;
            cursor: pointer;
            font-weight: 500;
            color: var(--text-primary);
            border-radius: 0.5rem;
            transition: background-color 0.2s ease;
        }

        .toggle summary:hover {
            background: var(--hover-color);
        }

        .toggle[open] summary {
            border-bottom: 1px solid var(--border-color);
            border-radius: 0.5rem 0.5rem 0 0;
        }

        .error-content {
            background: #fef2f2;
            border: 1px solid #fecaca;
            color: #dc2626;
            padding: 2rem;
            border-radius: 0.5rem;
            margin: 2rem 0;
            text-align: center;
        }

        .error-content p {
            margin-bottom: 1rem;
        }

        .error-content .btn {
            background: #dc2626;
            color: white;
            padding: 0.75rem 1.5rem;
            border: none;
            border-radius: 0.5rem;
            cursor: pointer;
            font-weight: 500;
            transition: all 0.3s ease;
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
        }

        .error-content .btn:hover {
            background: #b91c1c;
            transform: translateY(-2px);
        }

        .module-icon-header {
            font-size: 3rem;
            margin: 1rem 0;
            filter: drop-shadow(0 2px 4px rgba(0,0,0,0.1));
        }

        .module-meta-header {
            display: flex;
            gap: 2rem;
            justify-content: center;
            color: var(--text-secondary);
            font-size: 0.9rem;
            margin-top: 1rem;
        }

        .module-meta-header span {
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }

        .module-section {
            background: var(--bg-primary);
            border-radius: 1rem;
            padding: 2rem;
            margin-bottom: 2rem;
            box-shadow: 0 2px 4px rgba(0,0,0,0.05);
            border: 1px solid var(--border-color);
        }

        .module-section h2 {
            color: var(--primary-color);
            margin-bottom: 1.5rem;
            font-size: 1.5rem;
            display: flex;
            align-items: center;
            gap: 0.75rem;
        }

        .objective-text {
            font-size: 1.1rem;
            line-height: 1.7;
            color: var(--text-primary);
            font-style: italic;
            background: var(--bg-secondary);
            padding: 1.5rem;
            border-radius: 0.5rem;
            border-left: 4px solid var(--primary-color);
        }

        .outcomes-list, .takeaways-list {
            list-style: none;
            padding: 0;
        }

        .outcomes-list li, .takeaways-list li {
            background: var(--bg-secondary);
            padding: 1rem;
            margin-bottom: 0.75rem;
            border-radius: 0.5rem;
            border-left: 4px solid var(--success-color);
            position: relative;
            padding-left: 2.5rem;
        }

        .outcomes-list li::before, .takeaways-list li::before {
            content: '✓';
            position: absolute;
            left: 1rem;
            color: var(--success-color);
            font-weight: bold;
        }

        .content-section {
            margin-bottom: 2.5rem;
            padding-bottom: 2rem;
            border-bottom: 1px solid var(--border-color);
        }

        .content-section:last-child {
            border-bottom: none;
            margin-bottom: 0;
            padding-bottom: 0;
        }

        .content-section h3 {
            color: var(--text-primary);
            margin-bottom: 1rem;
            font-size: 1.3rem;
        }

        .content-section p {
            line-height: 1.8;
            color: var(--text-primary);
            font-size: 1.05rem;
        }

        .example-box {
            background: linear-gradient(135deg, #f0f9ff, #e0f2fe);
            border: 1px solid #0ea5e9;
            border-left: 4px solid #0ea5e9;
            border-radius: 0.75rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            box-shadow: 0 2px 8px rgba(14, 165, 233, 0.1);
        }

        .example-box h4 {
            color: #0c4a6e;
            margin-bottom: 1rem;
            font-size: 1.1rem;
        }

        .quiz-section {
            background: linear-gradient(135deg, var(--bg-primary), var(--bg-secondary));
            border: 2px solid var(--primary-color);
        }

        .quiz-intro {
            color: var(--text-secondary);
            margin-bottom: 2rem;
            font-style: italic;
        }

        .quiz-question {
            background: var(--bg-primary);
            padding: 2rem;
            border-radius: 0.75rem;
            margin-bottom: 2rem;
            border: 1px solid var(--border-color);
        }

        .question-text {
            color: var(--text-primary);
            margin-bottom: 1.5rem;
            font-size: 1.1rem;
            line-height: 1.6;
        }

        .question-options {
            display: flex;
            flex-direction: column;
            gap: 1rem;
        }

        .option-label {
            display: flex;
            align-items: center;
            gap: 1rem;
            padding: 1rem;
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            cursor: pointer;
            transition: all 0.3s ease;
            border: 2px solid var(--border-color);
        }

        .option-label:hover {
            background: var(--hover-color);
            border-color: var(--primary-color);
        }

        .option-input {
            width: 20px;
            height: 20px;
            accent-color: var(--primary-color);
        }

        .option-text {
            font-size: 1rem;
            color: var(--text-primary);
        }

        .btn-quiz-submit {
            background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
            color: white;
            padding: 1rem 2rem;
            border: none;
            border-radius: 0.75rem;
            font-size: 1.1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.3s ease;
            display: flex;
            align-items: center;
            gap: 0.75rem;
            margin: 2rem auto 0;
        }

        .btn-quiz-submit:hover {
            transform: translateY(-2px);
            box-shadow: 0 8px 20px rgba(37, 99, 235, 0.3);
        }

        .quiz-results {
            background: var(--bg-primary);
            padding: 2rem;
            border-radius: 1rem;
            text-align: center;
        }

        .quiz-results.completed {
            border: 2px solid var(--success-color);
            background: linear-gradient(135deg, var(--bg-primary), #f0fdf4);
        }

        .quiz-results.passed {
            border: 2px solid var(--success-color);
            background: linear-gradient(135deg, var(--bg-primary), #f0fdf4);
        }

        .quiz-results.failed {
            border: 2px solid #dc2626;
            background: linear-gradient(135deg, var(--bg-primary), #fef2f2);
        }

        /* Module 3 Specific Styles */
        .comparison-table {
            width: 100%;
            border-collapse: collapse;
            margin: 1rem 0;
            font-size: 0.9rem;
        }

        .comparison-table th,
        .comparison-table td {
            padding: 0.75rem;
            text-align: left;
            border-bottom: 1px solid var(--border-color);
        }

        .comparison-table th {
            background: var(--bg-secondary);
            font-weight: 600;
            color: var(--text-primary);
        }

        .risk-very-low { color: #16a34a; font-weight: 600; }
        .risk-low { color: #65a30d; font-weight: 600; }
        .risk-medium { color: #d97706; font-weight: 600; }
        .risk-medium-high { color: #dc2626; font-weight: 600; }
        .risk-high { color: #dc2626; font-weight: 600; }
        .risk-na { color: #6b7280; font-weight: 600; }
        .risk-low-medium { color: #ca8a04; font-weight: 600; }

        .liquidity-highest { color: #059669; font-weight: 600; }
        .liquidity-very-high { color: #16a34a; font-weight: 600; }
        .liquidity-high { color: #65a30d; font-weight: 600; }
        .liquidity-medium { color: #d97706; font-weight: 600; }
        .liquidity-medium-low { color: #ea580c; font-weight: 600; }
        .liquidity-low { color: #dc2626; font-weight: 600; }
        .liquidity-very-low { color: #b91c1c; font-weight: 600; }

        .table-container {
            overflow-x: auto;
            margin: 1rem 0;
            border-radius: 0.5rem;
            border: 1px solid var(--border-color);
        }

        .spotlight-card {
            background: linear-gradient(135deg, #fef3c7, #fde68a);
            border: 1px solid #f59e0b;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .dual-perspective {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
            margin: 1rem 0;
        }

        .perspective-card {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            border-left: 4px solid var(--primary-color);
        }

        .perspective-card h5 {
            margin-bottom: 0.5rem;
            color: var(--text-primary);
        }

        .perspective-card ul {
            margin: 0;
            padding-left: 1.5rem;
        }

        .perspective-card li {
            margin-bottom: 0.5rem;
            font-size: 0.9rem;
        }

        .conclusion-box {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            margin-top: 1rem;
            border-left: 4px solid var(--primary-color);
        }

        .einstein-quote-card {
            background: linear-gradient(135deg, #e0e7ff, #c7d2fe);
            border: 1px solid #6366f1;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            text-align: center;
        }

        .einstein-quote-card blockquote {
            font-size: 1.25rem;
            font-style: italic;
            margin: 1rem 0;
            color: var(--text-primary);
        }

        .einstein-quote-card cite {
            font-size: 0.9rem;
            color: var(--text-secondary);
        }

        .growth-table {
            margin: 1rem 0;
        }

        .growth-table table {
            width: 100%;
            border-collapse: collapse;
        }

        .growth-table th,
        .growth-table td {
            padding: 0.75rem;
            text-align: left;
            border-bottom: 1px solid var(--border-color);
        }

        .growth-table th {
            background: var(--bg-secondary);
            font-weight: 600;
        }

        .growth-table .amount {
            font-weight: 600;
            color: var(--primary-color);
        }

        .growth-table .highlight {
            background: linear-gradient(135deg, #fee2e2, #fecaca);
            color: #dc2626;
            font-weight: 700;
        }

        .example-card {
            background: var(--bg-secondary);
            border-radius: 0.75rem;
            padding: 1.5rem;
            margin: 1rem 0;
            border: 1px solid var(--border-color);
        }

        .magic-formula-card {
            background: linear-gradient(135deg, #fef3c7, #fde68a);
            border: 2px solid #f59e0b;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            text-align: center;
        }

        .formula-box {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            box-shadow: 0 2px 8px rgba(0,0,0,0.1);
        }

        .interactive-chart-card {
            background: var(--bg-secondary);
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            border: 1px solid var(--border-color);
        }

        .calculator-form {
            margin: 1.5rem 0;
        }

        .form-row {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
            margin-bottom: 1rem;
        }

        .form-group {
            display: flex;
            flex-direction: column;
        }

        .form-group label {
            font-weight: 600;
            margin-bottom: 0.5rem;
            color: var(--text-primary);
        }

        .form-group input {
            padding: 0.75rem;
            border: 1px solid var(--border-color);
            border-radius: 0.5rem;
            font-size: 1rem;
            transition: border-color 0.3s ease;
        }

        .form-group input:focus {
            outline: none;
            border-color: var(--primary-color);
            box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
        }

        .calculate-btn {
            background: var(--primary-color);
            color: white;
            border: none;
            padding: 0.75rem 1.5rem;
            border-radius: 0.5rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.3s ease;
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }

        .calculate-btn:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
        }

        .calculator-results {
            margin-top: 1.5rem;
            padding: 1.5rem;
            background: white;
            border-radius: 0.75rem;
            border: 1px solid var(--border-color);
        }

        .result-cards {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
            gap: 1rem;
            margin-bottom: 1.5rem;
        }

        .result-card {
            text-align: center;
            padding: 1rem;
            border-radius: 0.5rem;
            border: 1px solid var(--border-color);
        }

        .result-card.total-invested {
            background: linear-gradient(135deg, #e0f2fe, #b3e5fc);
            border-color: #0288d1;
        }

        .result-card.future-value {
            background: linear-gradient(135deg, #e8f5e8, #c8e6c9);
            border-color: #388e3c;
        }

        .result-card.wealth-gain {
            background: linear-gradient(135deg, #fff3e0, #ffe0b2);
            border-color: #f57c00;
        }

        .result-value {
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--text-primary);
            margin-bottom: 0.25rem;
        }

        .result-label {
            font-size: 0.9rem;
            color: var(--text-secondary);
            font-weight: 500;
        }

        .growth-chart-container {
            margin-top: 1rem;
            padding: 1rem;
            background: var(--bg-secondary);
            border-radius: 0.5rem;
        }

        .comparison-card {
            background: var(--bg-secondary);
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            border: 1px solid var(--border-color);
        }

        .investor-comparison {
            display: grid;
            grid-template-columns: 1fr auto 1fr;
            gap: 1rem;
            align-items: center;
            margin: 1rem 0;
        }

        .investor {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            text-align: center;
            border: 2px solid var(--border-color);
        }

        .investor.early-investor {
            border-color: #16a34a;
        }

        .investor.late-investor {
            border-color: #dc2626;
        }

        .investor-icon {
            font-size: 2rem;
            margin-bottom: 0.5rem;
        }

        .investor h5 {
            color: var(--text-primary);
            margin-bottom: 0.5rem;
        }

        .investor p {
            font-size: 0.9rem;
            color: var(--text-secondary);
            margin-bottom: 1rem;
        }

        .investor-result {
            padding: 0.75rem;
            background: var(--bg-secondary);
            border-radius: 0.5rem;
        }

        .result-amount {
            display: block;
            font-size: 1.25rem;
            font-weight: 700;
            color: var(--primary-color);
            margin-bottom: 0.25rem;
        }

        .result-detail {
            font-size: 0.8rem;
            color: var(--text-secondary);
        }

        .vs-divider {
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--text-secondary);
            text-align: center;
        }

        .comparison-insight {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            margin-top: 1rem;
            border-left: 4px solid var(--primary-color);
        }

        .subsection-card {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            margin: 1rem 0;
            border: 1px solid var(--border-color);
        }

        .subsection-card h4 {
            color: var(--primary-color);
            margin-bottom: 1rem;
        }

        .benefits-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 1rem;
            margin: 1rem 0;
        }

        .benefit-card {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            text-align: center;
            border: 1px solid var(--border-color);
        }

        .benefit-icon {
            font-size: 1.5rem;
            margin-bottom: 0.5rem;
        }

        .benefit-card h5 {
            color: var(--text-primary);
            margin-bottom: 0.5rem;
        }

        .benefit-card p {
            font-size: 0.9rem;
            color: var(--text-secondary);
        }

        .goal-risk-mapping {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
            margin: 1rem 0;
        }

        .mapping-item {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            border: 1px solid var(--border-color);
            display: flex;
            align-items: center;
            gap: 1rem;
        }

        .mapping-item.short-term {
            border-left: 4px solid #dc2626;
        }

        .mapping-item.long-term {
            border-left: 4px solid #16a34a;
        }

        .mapping-icon {
            font-size: 1.5rem;
            flex-shrink: 0;
        }

        .mapping-strategy {
            background: var(--bg-secondary);
            padding: 0.5rem;
            border-radius: 0.25rem;
            font-size: 0.9rem;
            margin-top: 0.5rem;
            font-weight: 500;
        }

        .factors-table {
            margin: 1rem 0;
        }

        .factors-table table {
            width: 100%;
            border-collapse: collapse;
        }

        .factors-table th,
        .factors-table td {
            padding: 0.75rem;
            text-align: left;
            border-bottom: 1px solid var(--border-color);
        }

        .factors-table th {
            background: var(--bg-secondary);
            font-weight: 600;
        }

        .allocation-table {
            margin: 1rem 0;
        }

        .allocation-table table {
            width: 100%;
            border-collapse: collapse;
        }

        .allocation-table th,
        .allocation-table td {
            padding: 0.75rem;
            text-align: center;
            border-bottom: 1px solid var(--border-color);
        }

        .allocation-table th {
            background: var(--bg-secondary);
            font-weight: 600;
        }

        .equity-high { color: #16a34a; font-weight: 700; }
        .equity-medium { color: #65a30d; font-weight: 700; }
        .equity-low { color: #d97706; font-weight: 700; }
        .equity-very-low { color: #dc2626; font-weight: 700; }

        .debt-low { color: #dc2626; font-weight: 700; }
        .debt-medium { color: #d97706; font-weight: 700; }
        .debt-high { color: #65a30d; font-weight: 700; }
        .debt-very-high { color: #16a34a; font-weight: 700; }

        .others-medium { color: #6b7280; font-weight: 700; }

        .outcome-list {
            display: flex;
            flex-direction: column;
            gap: 0.75rem;
            margin: 1rem 0;
        }

        .outcome-item {
            display: flex;
            align-items: center;
            gap: 0.75rem;
            padding: 0.75rem;
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            border: 1px solid var(--border-color);
        }

        .outcome-icon {
            font-size: 1.25rem;
            color: var(--primary-color);
        }

        .key-principle-box {
            background: linear-gradient(135deg, #e0e7ff, #c7d2fe);
            border: 1px solid #6366f1;
            border-radius: 0.75rem;
            padding: 1rem;
            margin: 1rem 0;
            text-align: center;
            font-weight: 500;
        }

        .action-card {
            background: linear-gradient(135deg, #dcfce7, #bbf7d0);
            border: 1px solid #16a34a;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .action-card h4 {
            color: #166534;
            margin-bottom: 1rem;
        }

        .action-card ul {
            margin: 0.5rem 0;
        }

        .action-card li {
            margin-bottom: 0.5rem;
        }

        .chart-container {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            border: 1px solid var(--border-color);
            text-align: center;
        }

        .risk-return-chart {
            margin: 1rem 0;
            display: flex;
            justify-content: center;
            min-height: 300px;
        }

        .risk-return-chart canvas {
            border: 1px solid var(--border-color);
            border-radius: 0.5rem;
            background: white;
        }

        .chart-legend {
            display: flex;
            justify-content: center;
            gap: 2rem;
            margin-top: 1rem;
        }

        .legend-item {
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }

        .legend-color {
            width: 16px;
            height: 16px;
            border-radius: 50%;
        }

        .legend-color.saving {
            background: #3b82f6;
        }

        .legend-color.investing {
            background: #ef4444;
        }

        /* Module 4 Specific Styles */
        .external-link-card {
            background: linear-gradient(135deg, #e0f2fe, #b3e5fc);
            border: 1px solid #0288d1;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            text-align: center;
        }

        .external-link-btn {
            background: var(--primary-color);
            color: white;
            padding: 0.75rem 1.5rem;
            border-radius: 0.5rem;
            text-decoration: none;
            font-weight: 600;
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
            transition: all 0.3s ease;
            margin-top: 1rem;
        }

        .external-link-btn:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
        }

        .earning-methods-card {
            background: var(--bg-secondary);
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            border: 1px solid var(--border-color);
        }

        .earning-methods {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
            margin: 1rem 0;
        }

        .earning-method {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            text-align: center;
            border: 2px solid var(--border-color);
        }

        .earning-method.appreciation {
            border-color: #16a34a;
        }

        .earning-method.dividends {
            border-color: #0ea5e9;
        }

        .method-icon {
            font-size: 2rem;
            margin-bottom: 0.5rem;
        }

        .method-example {
            background: var(--bg-secondary);
            padding: 0.5rem;
            border-radius: 0.25rem;
            font-size: 0.9rem;
            margin-top: 0.75rem;
            font-style: italic;
        }

        .regulation-card {
            background: linear-gradient(135deg, #f0f9ff, #e0f2fe);
            border: 1px solid #0ea5e9;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .market-factors {
            display: flex;
            flex-wrap: wrap;
            gap: 0.5rem;
            margin: 1rem 0;
        }

        .market-factor {
            background: white;
            padding: 0.5rem 0.75rem;
            border-radius: 1rem;
            font-size: 0.9rem;
            border: 1px solid var(--border-color);
        }

        .important-note {
            background: #fef3c7;
            border: 1px solid #f59e0b;
            border-radius: 0.5rem;
            padding: 1rem;
            margin-top: 1rem;
        }

        .challenge-card {
            background: linear-gradient(135deg, #fef3c7, #fde68a);
            border: 1px solid #f59e0b;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .challenge-questions {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 0.75rem;
            margin: 1rem 0;
        }

        .challenge-question {
            background: white;
            padding: 0.75rem;
            border-radius: 0.5rem;
            text-align: center;
            font-weight: 500;
            border: 1px solid var(--border-color);
        }

        .key-insight-card {
            background: linear-gradient(135deg, #dcfce7, #bbf7d0);
            border: 1px solid #16a34a;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .insight-box {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            border-left: 4px solid var(--primary-color);
        }

        .business-investing-card {
            background: linear-gradient(135deg, #e0e7ff, #c7d2fe);
            border: 1px solid #6366f1;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .reward-list {
            margin: 1rem 0;
        }

        .reward-list li {
            margin-bottom: 0.5rem;
            padding-left: 1rem;
            position: relative;
        }

        .reward-list li::before {
            content: '💰';
            position: absolute;
            left: 0;
        }

        .risk-reward-principle {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            text-align: center;
            font-weight: 500;
        }

        .money-making-secret-card {
            background: linear-gradient(135deg, #fef2f2, #fee2e2);
            border: 1px solid #ef4444;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
        }

        .secret-content {
            background: white;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
        }

        .secret-highlight {
            background: linear-gradient(135deg, #fef3c7, #fde68a);
            border: 1px solid #f59e0b;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            text-align: center;
        }

        .fund-types-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 1rem;
            margin: 1rem 0;
        }

        .fund-type {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            text-align: center;
            border: 2px solid var(--border-color);
            transition: all 0.3s ease;
        }

        .fund-type:hover {
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(0,0,0,0.1);
        }

        .fund-type.equity {
            border-color: #16a34a;
        }

        .fund-type.debt {
            border-color: #0ea5e9;
        }

        .fund-type.hybrid {
            border-color: #f59e0b;
        }

        .fund-type.index {
            border-color: #6366f1;
        }

        .fund-type.thematic {
            border-color: #ef4444;
        }

        .fund-icon {
            font-size: 2rem;
            margin-bottom: 0.5rem;
        }

        .fund-suitable {
            background: var(--bg-secondary);
            padding: 0.5rem;
            border-radius: 0.25rem;
            font-size: 0.9rem;
            margin-top: 0.75rem;
            font-style: italic;
        }

        .sip-working-card {
            background: var(--bg-secondary);
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1.5rem 0;
            border: 1px solid var(--border-color);
        }

        .sip-example {
            background: white;
            border-radius: 0.75rem;
            padding: 1rem;
            margin: 1rem 0;
        }

        .scenario-timeline {
            display: flex;
            align-items: center;
            gap: 1rem;
            margin: 1rem 0;
        }

        .scenario-month {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            text-align: center;
            flex: 1;
        }

        .month-label {
            font-weight: 600;
            margin-bottom: 0.5rem;
        }

        .market-condition.down {
            color: #dc2626;
            font-size: 0.9rem;
            margin-bottom: 0.5rem;
        }

        .market-condition.up {
            color: #16a34a;
            font-size: 0.9rem;
            margin-bottom: 0.5rem;
        }

        .investment-result {
            background: white;
            padding: 0.5rem;
            border-radius: 0.25rem;
            font-size: 0.85rem;
            font-weight: 500;
        }

        .scenario-arrow {
            font-size: 1.5rem;
            color: var(--primary-color);
            font-weight: 700;
        }

        .scenario-conclusion {
            background: linear-gradient(135deg, #dcfce7, #bbf7d0);
            border: 1px solid #16a34a;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
        }

        .comparison-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1rem;
            margin: 1rem 0;
        }

        .comparison-item {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            text-align: center;
            border: 2px solid var(--border-color);
        }

        .comparison-item.sip {
            border-color: #16a34a;
        }

        .comparison-item.lumpsum {
            border-color: #0ea5e9;
        }

        .comparison-icon {
            font-size: 2rem;
            margin-bottom: 0.5rem;
        }

        .comparison-conclusion {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            text-align: center;
            font-style: italic;
        }

        .selection-steps {
            margin: 1.5rem 0;
        }

        .step-card {
            background: white;
            border-radius: 1rem;
            padding: 1.5rem;
            margin: 1rem 0;
            border: 1px solid var(--border-color);
            display: flex;
            gap: 1rem;
        }

        .step-number {
            background: var(--primary-color);
            color: white;
            width: 40px;
            height: 40px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 700;
            font-size: 1.2rem;
            flex-shrink: 0;
        }

        .step-content {
            flex: 1;
        }

        .step-insight {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            border-left: 4px solid var(--primary-color);
        }

        .step-warning {
            background: #fef3c7;
            border: 1px solid #f59e0b;
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
        }

        .goal-list {
            margin: 1rem 0;
        }

        .horizon-guide {
            display: grid;
            gap: 0.75rem;
            margin: 1rem 0;
        }

        .horizon-item {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .horizon-item.short {
            border-left: 4px solid #dc2626;
        }

        .horizon-item.medium-short {
            border-left: 4px solid #f59e0b;
        }

        .horizon-item.medium {
            border-left: 4px solid #0ea5e9;
        }

        .horizon-item.long {
            border-left: 4px solid #16a34a;
        }

        .horizon-period {
            font-weight: 600;
            color: var(--text-primary);
        }

        .horizon-recommendation {
            font-size: 0.9rem;
            color: var(--text-secondary);
        }

        .risk-guide {
            display: grid;
            gap: 0.75rem;
            margin: 1rem 0;
        }

        .risk-level {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .risk-level.low {
            border-left: 4px solid #16a34a;
        }

        .risk-level.medium {
            border-left: 4px solid #f59e0b;
        }

        .risk-level.high {
            border-left: 4px solid #dc2626;
        }

        .risk-label {
            font-weight: 600;
            color: var(--text-primary);
        }

        .risk-recommendation {
            font-size: 0.9rem;
            color: var(--text-secondary);
        }

        .performance-checklist, .expense-tips, .manager-checklist, .strategy-checklist {
            margin: 1rem 0;
        }

        .performance-checklist li, .expense-tips li, .manager-checklist li, .strategy-checklist li {
            margin-bottom: 0.5rem;
            padding-left: 1rem;
            position: relative;
        }

        .performance-checklist li::before {
            content: '📊';
            position: absolute;
            left: 0;
        }

        .expense-tips li::before {
            content: '💰';
            position: absolute;
            left: 0;
        }

        .manager-checklist li::before {
            content: '👨‍💼';
            position: absolute;
            left: 0;
        }

        .strategy-checklist li::before {
            content: '📋';
            position: absolute;
            left: 0;
        }

        .performance-checklist-plain, .expense-tips-plain, .manager-checklist-plain, .strategy-checklist-plain {
            margin: 1rem 0;
        }

        .performance-checklist-plain li, .expense-tips-plain li, .manager-checklist-plain li, .strategy-checklist-plain li {
            margin-bottom: 0.5rem;
        }

        .comparison-overview {
            display: grid;
            grid-template-columns: 1fr auto 1fr;
            gap: 1rem;
            align-items: center;
            margin: 1.5rem 0;
        }

        .overview-item {
            background: white;
            border-radius: 0.75rem;
            padding: 1.5rem;
            text-align: center;
            border: 2px solid var(--border-color);
        }

        .overview-item.mutual-funds {
            border-color: #16a34a;
        }

        .overview-item.stocks {
            border-color: #ef4444;
        }

        .overview-icon {
            font-size: 2rem;
            margin-bottom: 0.5rem;
        }

        .overview-vs {
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--text-secondary);
            text-align: center;
        }

        .portfolio-note {
            background: var(--bg-secondary);
            border-radius: 0.5rem;
            padding: 1rem;
            margin: 1rem 0;
            text-align: center;
            font-style: italic;
        }

        .choice-guides {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1.5rem;
            margin: 1.5rem 0;
        }

        .choice-guide {
            background: white;
            border-radius: 1rem;
            padding: 1.5rem;
            border: 2px solid var(--border-color);
        }

        .choice-guide.mutual-funds-guide {
            border-color: #16a34a;
        }

        .choice-guide.stocks-guide {
            border-color: #ef4444;
        }

        .guide-header {
            display: flex;
            align-items: center;
            gap: 0.75rem;
            margin-bottom: 1rem;
        }

        .guide-icon {
            font-size: 1.5rem;
        }

        .guide-list {
            margin: 0;
            padding-left: 1.5rem;
        }

        .guide-list li {
            margin-bottom: 0.5rem;
        }

        /* Responsive Design */
        @media (max-width: 768px) {
            .dual-perspective {
                grid-template-columns: 1fr;
            }

            .form-row {
                grid-template-columns: 1fr;
            }

            .investor-comparison {
                grid-template-columns: 1fr;
                gap: 1rem;
            }

            .vs-divider {
                order: 2;
            }

            .investor.late-investor {
                order: 3;
            }

            .benefits-grid {
                grid-template-columns: 1fr;
            }

            .goal-risk-mapping {
                grid-template-columns: 1fr;
            }

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

            .chart-legend {
                flex-direction: column;
                align-items: center;
                gap: 1rem;
            }

            .earning-methods {
                grid-template-columns: 1fr;
            }

            .challenge-questions {
                grid-template-columns: 1fr;
            }

            .fund-types-grid {
                grid-template-columns: 1fr;
            }

            .scenario-timeline {
                flex-direction: column;
            }

            .scenario-arrow {
                transform: rotate(90deg);
            }

            .comparison-grid {
                grid-template-columns: 1fr;
            }

            .comparison-overview {
                grid-template-columns: 1fr;
                gap: 1rem;
            }

            .overview-vs {
                order: 2;
            }

            .overview-item.stocks {
                order: 3;
            }

            .choice-guides {
                grid-template-columns: 1fr;
            }

            .horizon-item {
                flex-direction: column;
                text-align: center;
                gap: 0.5rem;
            }

            .risk-level {
                flex-direction: column;
                text-align: center;
                gap: 0.5rem;
            }

            .step-card {
                flex-direction: column;
                text-align: center;
            }
        }

        /* Content Cards Styles */
        .content-cards {
            display: flex;
            flex-direction: column;
            gap: 20px;
        }

        .intro-card, .highlight-card, .definition-card, .warning-card, 
        .myth-buster-card, .benefits-card, .requirements-card, .story-card {
            background: #fff;
            border-radius: 12px;
            padding: 24px;
            box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
            border-left: 4px solid #3498db;
            transition: transform 0.2s ease, box-shadow 0.2s ease;
        }

        .intro-card:hover, .highlight-card:hover, .definition-card:hover, 
        .warning-card:hover, .myth-buster-card:hover, .benefits-card:hover, 
        .requirements-card:hover, .story-card:hover {
            transform: translateY(-2px);
            box-shadow: 0 6px 12px rgba(0, 0, 0, 0.15);
        }

        .highlight-card {
            border-left-color: #e74c3c;
            background: linear-gradient(135deg, #fff 0%, #ffeaa7 100%);
        }

        .definition-card {
            border-left-color: #2ecc71;
            background: linear-gradient(135deg, #fff 0%, #d5f4e6 100%);
        }

        .warning-card {
            border-left-color: #f39c12;
            background: linear-gradient(135deg, #fff 0%, #fef5e7 100%);
        }

        .card-icon {
            font-size: 2rem;
            margin-bottom: 12px;
            display: inline-block;
        }

        .card-header {
            display: flex;
            align-items: center;
            gap: 12px;
            margin-bottom: 16px;
        }

        .card-header .card-icon {
            margin-bottom: 0;
        }

        /* Concept Cards Grid */
        .concept-cards {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 16px;
            margin: 20px 0;
        }

        .concept-card {
            background: #f8f9fa;
            border-radius: 8px;
            padding: 20px;
            text-align: center;
            border: 2px solid #e9ecef;
            transition: all 0.2s ease;
        }

        .concept-card:hover {
            border-color: #3498db;
            background: #e3f2fd;
        }

        .concept-card h5 {
            margin: 12px 0 8px 0;
            color: #2c3e50;
            font-size: 1.1rem;
        }

        .concept-card p {
            margin: 0;
            color: #7f8c8d;
            font-size: 0.9rem;
        }

        /* Freedom Points */
        .freedom-points {
            display: flex;
            flex-direction: column;
            gap: 12px;
            margin-top: 16px;
        }

        .freedom-point {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 12px;
            background: #f8f9fa;
            border-radius: 8px;
        }

        .point-icon {
            font-size: 1.5rem;
            min-width: 32px;
        }

        /* Myth Buster */
        .myth-buster-card {
            border-left-color: #e74c3c;
        }

        .reality {
            margin-top: 12px;
            padding: 12px;
            background: #d5f4e6;
            border-radius: 8px;
            border-left: 3px solid #2ecc71;
        }

        .reality-label {
            font-weight: bold;
            color: #27ae60;
        }

        /* Component Cards */
        .components-grid h4 {
            margin-bottom: 20px;
            color: #2c3e50;
        }

        .component-cards {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 16px;
        }

        .component-card {
            background: #fff;
            border: 2px solid #e9ecef;
            border-radius: 10px;
            padding: 20px;
            text-align: center;
            transition: all 0.3s ease;
        }

        .component-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
        }

        .component-card.income { border-color: #3498db; }
        .component-card.expenses { border-color: #e74c3c; }
        .component-card.savings { border-color: #2ecc71; }
        .component-card.investments { border-color: #f39c12; }
        .component-card.debt { border-color: #9b59b6; }
        .component-card.insurance { border-color: #1abc9c; }

        .component-card h5 {
            margin: 12px 0 8px 0;
            color: #2c3e50;
        }

        /* Benefits */
        .benefit-list {
            display: flex;
            flex-direction: column;
            gap: 12px;
            margin-top: 16px;
        }

        .benefit-item {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 12px;
            background: #f8f9fa;
            border-radius: 8px;
            transition: background 0.2s ease;
        }

        .benefit-item:hover {
            background: #e3f2fd;
        }

        .benefit-icon {
            font-size: 1.2rem;
            min-width: 24px;
        }

        /* Requirements */
        .requirement-badges {
            display: flex;
            flex-wrap: wrap;
            gap: 12px;
            margin-top: 16px;
        }

        .requirement-badge {
            background: linear-gradient(135deg, #3498db, #2980b9);
            color: white;
            padding: 8px 16px;
            border-radius: 20px;
            font-weight: 500;
            font-size: 0.9rem;
        }

        /* Story Card */
        .story-comparison {
            display: grid;
            grid-template-columns: 1fr auto 1fr;
            gap: 20px;
            align-items: center;
            margin: 20px 0;
        }

        .person {
            background: #f8f9fa;
            border-radius: 10px;
            padding: 20px;
            text-align: center;
        }

        .person-a {
            border: 2px solid #e74c3c;
        }

        .person-b {
            border: 2px solid #2ecc71;
        }

        .person-icon {
            font-size: 2rem;
            margin-bottom: 12px;
        }

        .person h5 {
            margin: 0 0 12px 0;
            color: #2c3e50;
        }

        .person p {
            margin: 4px 0;
            font-size: 0.9rem;
        }

        .vs {
            font-size: 1.5rem;
            font-weight: bold;
            color: #7f8c8d;
            text-align: center;
        }

        .story-conclusion {
            background: #e8f5e8;
            border-radius: 8px;
            padding: 16px;
            border-left: 4px solid #2ecc71;
        }

        .story-lesson {
            margin-top: 12px;
            font-style: italic;
            color: #27ae60;
        }

        /* Mindset Specific Styles */
        .mindset-definition-card {
            border-left-color: #9b59b6;
            background: linear-gradient(135deg, #fff 0%, #f3e5f5 100%);
        }

        .mindset-influences {
            display: flex;
            flex-direction: column;
            gap: 12px;
            margin-top: 16px;
        }

        .influence-item {
            display: flex;
            align-items: center;
            gap: 12px;
            padding: 10px;
            background: #f8f9fa;
            border-radius: 6px;
        }

        .influence-icon {
            font-size: 1.2rem;
            min-width: 24px;
        }

        .beliefs-section {
            display: flex;
            flex-direction: column;
            gap: 32px;
            margin: 24px 0;
        }

        .section-header {
            display: flex;
            align-items: center;
            gap: 12px;
            margin-bottom: 20px;
        }

        .harmful-belief-cards, .positive-belief-cards {
            display: flex;
            flex-direction: column;
            gap: 16px;
        }

        .harmful-belief-card, .positive-belief-card {
            display: flex;
            gap: 16px;
            padding: 20px;
            border-radius: 10px;
            transition: all 0.2s ease;
        }

        .harmful-belief-card {
            background: linear-gradient(135deg, #fff 0%, #fef2f2 100%);
            border: 2px solid #fecaca;
        }

        .harmful-belief-card:hover {
            border-color: #f87171;
            transform: translateX(4px);
        }

        .positive-belief-card {
            background: linear-gradient(135deg, #fff 0%, #f0fdf4 100%);
            border: 2px solid #bbf7d0;
        }

        .positive-belief-card:hover {
            border-color: #4ade80;
            transform: translateX(4px);
        }

        .belief-number {
            min-width: 32px;
            height: 32px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: bold;
            font-size: 1.1rem;
            flex-shrink: 0;
        }

        .harmful-belief-card .belief-number {
            background: #dc2626;
            color: white;
        }

        .positive-belief-card .belief-number {
            background: #16a34a;
            color: white;
        }

        .belief-content {
            flex: 1;
        }

        .belief-quote {
            font-size: 1.1rem;
            font-weight: 600;
            margin-bottom: 8px;
            color: #1f2937;
        }

        .belief-explanation {
            color: #6b7280;
            line-height: 1.6;
        }

        .key-insight-card {
            border-left-color: #8b5cf6;
            background: linear-gradient(135deg, #fff 0%, #f3e8ff 100%);
        }

        .good-news {
            margin-top: 12px;
            color: #16a34a;
            font-weight: 500;
        }

        .interactive-card {
            border-left-color: #06b6d4;
            background: linear-gradient(135deg, #fff 0%, #ecfeff 100%);
        }

        .exercise-content {
            margin-top: 16px;
        }

        .question-box {
            background: #f0f9ff;
            border: 1px solid #0ea5e9;
            border-radius: 8px;
            padding: 16px;
            margin: 16px 0;
        }

        .question-box p {
            margin: 8px 0;
            color: #0c4a6e;
            font-weight: 500;
        }

        .remember-note {
            display: flex;
            align-items: center;
            gap: 12px;
            background: #fef3c7;
            border: 1px solid #f59e0b;
            border-radius: 8px;
            padding: 12px;
            margin-top: 16px;
        }

        .note-icon {
            font-size: 1.2rem;
            flex-shrink: 0;
        }

        /* Responsive Design */
        @media (max-width: 768px) {
            .concept-cards {
                grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
            }
            
            .component-cards {
                grid-template-columns: 1fr;
            }
            
            .story-comparison {
                grid-template-columns: 1fr;
                gap: 12px;
            }
            
            .vs {
                order: 2;
            }
            
            .requirement-badges {
                justify-content: center;
            }

            .harmful-belief-card, .positive-belief-card {
                flex-direction: column;
                gap: 12px;
            }

            .beliefs-section {
                gap: 24px;
            }
        }

        .score-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 2rem;
            flex-wrap: wrap;
            gap: 1rem;
        }

        .score-display {
            display: flex;
            align-items: center;
            gap: 1rem;
        }

        .score {
            font-size: 2rem;
            font-weight: bold;
            color: var(--primary-color);
        }

        .percentage {
            font-size: 1.5rem;
            font-weight: bold;
            color: var(--text-secondary);
        }

        .result-message {
            font-size: 1.1rem;
            margin-bottom: 2rem;
            font-weight: 500;
        }

        .quiz-results.completed .result-message {
            color: var(--success-color);
        }

        .quiz-results.passed .result-message {
            color: var(--success-color);
        }

        .quiz-results.failed .result-message {
            color: #dc2626;
        }

        .detailed-results {
            text-align: left;
            margin-bottom: 2rem;
        }

        .detailed-results h4 {
            margin-bottom: 1rem;
            color: var(--text-primary);
        }

        .result-item {
            background: var(--bg-secondary);
            padding: 1.5rem;
            border-radius: 0.5rem;
            margin-bottom: 1rem;
            border-left: 4px solid var(--border-color);
        }

        .result-item.correct {
            border-left-color: var(--success-color);
            background: #f0fdf4;
        }

        .result-item.incorrect {
            border-left-color: #dc2626;
            background: #fef2f2;
        }

        .result-question {
            font-weight: 600;
            margin-bottom: 0.5rem;
            color: var(--text-primary);
        }

        .your-answer {
            color: var(--text-secondary);
            font-size: 0.95rem;
        }

        .correct-answer {
            color: var(--success-color);
            font-size: 0.95rem;
            font-weight: 500;
        }

        .quiz-actions {
            display: flex;
            gap: 1rem;
            justify-content: center;
            flex-wrap: wrap;
        }

        .btn-retake, .btn-continue {
            padding: 0.75rem 1.5rem;
            border: none;
            border-radius: 0.5rem;
            font-weight: 500;
            cursor: pointer;
            transition: all 0.3s ease;
            text-decoration: none;
            display: inline-flex;
            align-items: center;
            gap: 0.5rem;
        }

        .btn-retake {
            background: var(--text-secondary);
            color: white;
        }

        .btn-continue {
            background: var(--success-color);
            color: white;
        }

        .btn-retake:hover, .btn-continue:hover {
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(0,0,0,0.15);
        }

        .content-placeholder {
            padding: 2rem;
            background: linear-gradient(135deg, var(--bg-secondary) 0%, #f1f5f9 100%);
            border-radius: 1rem;
            margin: 2rem 0;
            text-align: center;
            border: 1px solid var(--border-color);
        }

        .content-placeholder h3 {
            color: var(--text-primary);
            margin-bottom: 1rem;
            font-size: 1.3rem;
        }

        .content-placeholder p {
            color: var(--text-secondary);
            margin-bottom: 1rem;
        }

        @media (max-width: 768px) {
            .container {
                padding: 0 1rem;
            }
            
            .module-post {
                padding: 1.5rem;
            }
            
            .module-title {
                font-size: 2rem;
            }

            .module-meta-header {
                flex-direction: column;
                gap: 1rem;
            }

            .module-section {
                padding: 1.5rem;
            }

            .score-header {
                flex-direction: column;
                text-align: center;
            }

            .quiz-actions {
                flex-direction: column;
                align-items: center;
            }

            .btn-retake, .btn-continue {
                width: 100%;
                max-width: 300px;
                justify-content: center;
            }

            .option-label {
                padding: 0.75rem;
            }

            .quiz-question {
                padding: 1.5rem;
            }
        }

        @media (max-width: 768px) {
            .container {
                padding: 1rem;
            }
        }

        /* User Info Form Styles */
        .user-info-container {
            padding: 2rem;
            background: var(--bg-secondary);
            min-height: calc(100vh - 200px);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .user-info-content {
            background: var(--bg-primary);
            border-radius: 1rem;
            padding: 2rem;
            max-width: 500px;
            width: 100%;
            box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
        }

        .user-info-header {
            text-align: center;
            margin-bottom: 2rem;
        }

        .user-info-header h2 {
            color: var(--text-primary);
            font-size: 1.5rem;
            margin-bottom: 1rem;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 0.5rem;
        }

        .certification-notice {
            background: linear-gradient(135deg, #fef3c7, #fed7aa);
            padding: 1rem;
            border-radius: 0.5rem;
            color: #92400e;
            font-size: 0.9rem;
            border: 1px solid #fed7aa;
            display: flex;
            align-items: center;
            gap: 0.5rem;
            margin: 0;
        }

        .user-info-form {
            display: flex;
            flex-direction: column;
            gap: 1.5rem;
        }

        .form-group {
            display: flex;
            flex-direction: column;
            gap: 0.5rem;
        }

        .form-group label {
            font-weight: 500;
            color: var(--text-primary);
            display: flex;
            align-items: center;
            gap: 0.5rem;
            font-size: 0.9rem;
        }

        .form-group input {
            padding: 0.75rem;
            border: 2px solid var(--border-color);
            border-radius: 0.5rem;
            font-size: 1rem;
            transition: all 0.3s ease;
            background: var(--bg-primary);
        }

        .form-group input:focus {
            outline: none;
            border-color: var(--primary-color);
            box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
        }

        .form-group input.error {
            border-color: #ef4444;
            box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.1);
        }

        .form-group input.success {
            border-color: var(--success-color);
            box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.1);
        }

        .error-message {
            color: #ef4444;
            font-size: 0.85rem;
            display: none;
            margin-top: 0.25rem;
        }

        .error-message.show {
            display: block;
        }

        .input-hint {
            color: var(--text-secondary);
            font-size: 0.8rem;
            margin-top: 0.25rem;
        }

        .form-actions {
            margin-top: 1rem;
        }

        .btn-save-info {
            width: 100%;
            padding: 1rem;
            background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
            color: white;
            border: none;
            border-radius: 0.5rem;
            font-weight: 500;
            font-size: 1rem;
            cursor: pointer;
            transition: all 0.3s ease;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 0.5rem;
        }

        .btn-save-info:hover {
            transform: translateY(-2px);
            box-shadow: 0 6px 16px rgba(37, 99, 235, 0.3);
        }

        .btn-save-info:disabled {
            opacity: 0.6;
            cursor: not-allowed;
            transform: none;
            box-shadow: none;
        }

        @media (max-width: 768px) {
            .user-info-container {
                padding: 1rem;
            }
            
            .user-info-content {
                padding: 1.5rem;
            }
            
            .user-info-header h2 {
                font-size: 1.25rem;
            }
            
            .phone-input-container {
                flex-direction: column;
                gap: 0.75rem;
            }
            
            .phone-input-container select {
                min-width: auto;
                width: 100%;
            }
        }

        .form-group input.success {
            border-color: var(--success-color);
            box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.1);
        }

        .phone-input-container {
            display: flex;
            gap: 0.5rem;
        }

        .phone-input-container select {
            flex: 0 0 auto;
            padding: 0.75rem;
            border: 2px solid var(--border-color);
            border-radius: 0.5rem;
            font-size: 1rem;
            background: var(--bg-primary);
            color: var(--text-primary);
            cursor: pointer;
            transition: all 0.3s ease;
            min-width: 140px;
        }

        .phone-input-container select:focus {
            outline: none;
            border-color: var(--primary-color);
            box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
        }

        .phone-input-container input {
            flex: 1;
            margin: 0;
        }

        .phone-input-container select.error,
        .phone-input-container input.error {
            border-color: #ef4444;
            box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.1);
        }

        .phone-input-container select.success,
        .phone-input-container input.success {
            border-color: var(--success-color);
            box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.1);
        }

        .error-message.show {
            display: block;
        }

        .input-hint {
            color: var(--text-secondary);
            font-size: 0.8rem;
            margin-top: 0.25rem;
        }

        .form-actions {
            margin-top: 1rem;
        }

        .btn-save-info {
            width: 100%;
            padding: 1rem;
            background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
            color: white;
            border: none;
            border-radius: 0.5rem;
            font-weight: 500;
            font-size: 1rem;
            cursor: pointer;
            transition: all 0.3s ease;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 0.5rem;
        }

        .btn-save-info:hover {
            transform: translateY(-2px);
            box-shadow: 0 6px 16px rgba(37, 99, 235, 0.3);
        }

        .btn-save-info:disabled {
            opacity: 0.6;
            cursor: not-allowed;
            transform: none;
            box-shadow: none;
        }

        @media (max-width: 768px) {
            .user-info-container {
                padding: 1rem;
            }
            
            .user-info-content {
                padding: 1.5rem;
            }
            
            .user-info-header h2 {
                font-size: 1.25rem;
            }
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        .management-card p {
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            .comparison-cards {
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            'module-1': {
                id: 'module-1',
                moduleNumber: 1,
                title: 'Foundations of Personal Finance',
                description: 'Build a foundational understanding of money, reframe your relationship with it, and recognize why financial freedom is the most important life goal.',
                icon: '📘',
                duration: '45 mins',
                difficulty: 'Beginner',
                objective: 'To help learners build a foundational understanding of money, reframe their relationship with it, and recognize why financial freedom is the most important life goal regardless of background, profession, or current income.',
                learningOutcomes: [
                    'Understand the true meaning of financial freedom and why it should be your first life goal',
                    'Break existing money myths and limiting beliefs that hold people back',
                    'Discover how mindset shapes money decisions more than income does',
                    'Learn common financial traps and mistakes people fall into — and how to avoid them',
                    'Get clarity on the behaviours and habits that lead to long-term wealth creation'
                ],
                content: {
                    sections: [
                        {
                            title: 'Why Financial Freedom Matters',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">🎯</div>
                                    <h4>The Universal Question</h4>
                                    <p>Most people work hard their entire lives. They hustle, chase degrees, jobs, promotions, and clients. But ask yourself: <strong>why?</strong></p>
                                    <p>Why do we really strive for a better career or higher income?</p>
                                </div>

                                <div class="concept-cards">
                                    <div class="concept-card">
                                        <div class="card-icon">🏠</div>
                                        <h5>Family Security</h5>
                                        <p>Protecting loved ones</p>
                                    </div>
                                    <div class="concept-card">
                                        <div class="card-icon">😌</div>
                                        <h5>Peace of Mind</h5>
                                        <p>Stress-free living</p>
                                    </div>
                                    <div class="concept-card">
                                        <div class="card-icon">✨</div>
                                        <h5>Lifestyle Goals</h5>
                                        <p>Living your dreams</p>
                                    </div>
                                    <div class="concept-card">
                                        <div class="card-icon">🤝</div>
                                        <h5>Respect</h5>
                                        <p>Social recognition</p>
                                    </div>
                                </div>

                                <div class="highlight-card">
                                    <div class="card-icon">💎</div>
                                    <h4>The Foundation: Financial Freedom</h4>
                                    <p>Beneath all these goals lies one foundation that makes everything possible.</p>
                                </div>

                                <div class="definition-card">
                                    <h4>🔑 What is Financial Freedom?</h4>
                                    <div class="freedom-points">
                                        <div class="freedom-point">
                                            <span class="point-icon">💰</span>
                                            <span>You earn <strong>passive income</strong> sufficient to cover your lifestyle and goals</span>
                                        </div>
                                        <div class="freedom-point">
                                            <span class="point-icon">🛡️</span>
                                            <span>You're <strong>financially safe</strong> and no sudden shocks can derail your life</span>
                                        </div>
                                        <div class="freedom-point">
                                            <span class="point-icon">🎭</span>
                                            <span>You <strong>work by choice</strong>, not compulsion</span>
                                        </div>
                                    </div>
                                </div>

                                <div class="warning-card">
                                    <div class="card-icon">⚠️</div>
                                    <h5>Important Note</h5>
                                    <p>Before you think, "I already have inherited wealth," know this: <strong>wealth without planning or purpose is just capital waiting to be lost.</strong></p>
                                    <p>This module will challenge your assumptions and rewire your understanding of money.</p>
                                </div>
                            `
                        },
                        {
                            title: 'What is Personal Finance?',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">💡</div>
                                    <h4>Simple Definition</h4>
                                    <p>Personal finance is how you manage your money in daily life. It's about making smart choices around earning, spending, saving, and investing.</p>
                                </div>

                                <div class="myth-buster-card">
                                    <div class="card-icon">🚫</div>
                                    <h4>Common Myth</h4>
                                    <p>"Personal finance is about being good at numbers or finance jargon"</p>
                                    <div class="reality">
                                        <span class="reality-label">Reality:</span>
                                        <span>It's about <strong>behavior, clarity, and decision-making</strong></span>
                                    </div>
                                </div>

                                <div class="components-grid">
                                    <h4>📊 What Personal Finance Includes:</h4>
                                    <div class="component-cards">
                                        <div class="component-card income">
                                            <div class="card-icon">💼</div>
                                            <h5>Income</h5>
                                            <p>Money from jobs, business, or side hustles</p>
                                        </div>
                                        <div class="component-card expenses">
                                            <div class="card-icon">🛒</div>
                                            <h5>Expenses</h5>
                                            <p>Spending on needs and wants</p>
                                        </div>
                                        <div class="component-card savings">
                                            <div class="card-icon">🏦</div>
                                            <h5>Savings</h5>
                                            <p>Money set aside for future use</p>
                                        </div>
                                        <div class="component-card investments">
                                            <div class="card-icon">📈</div>
                                            <h5>Investments</h5>
                                            <p>Money in assets that grow over time</p>
                                        </div>
                                        <div class="component-card debt">
                                            <div class="card-icon">💳</div>
                                            <h5>Debt Management</h5>
                                            <p>Handling loans, EMIs, and credit</p>
                                        </div>
                                        <div class="component-card insurance">
                                            <div class="card-icon">🛡️</div>
                                            <h5>Insurance</h5>
                                            <p>Protection against financial risks</p>
                                        </div>
                                    </div>
                                </div>

                                <div class="benefits-card">
                                    <div class="card-icon">🎯</div>
                                    <h4>Benefits of Good Personal Finance</h4>
                                    <div class="benefit-list">
                                        <div class="benefit-item">
                                            <span class="benefit-icon">🎮</span>
                                            <span>Feel in control of your money</span>
                                        </div>
                                        <div class="benefit-item">
                                            <span class="benefit-icon">😌</span>
                                            <span>Reduce financial anxiety</span>
                                        </div>
                                        <div class="benefit-item">
                                            <span class="benefit-icon">🧠</span>
                                            <span>Make thoughtful, not emotional decisions</span>
                                        </div>
                                        <div class="benefit-item">
                                            <span class="benefit-icon">🚀</span>
                                            <span>Build towards financial freedom</span>
                                        </div>
                                    </div>
                                </div>

                                <div class="requirements-card">
                                    <div class="card-icon">✅</div>
                                    <h4>What You Actually Need</h4>
                                    <p>You don't need a finance degree. You just need:</p>
                                    <div class="requirement-badges">
                                        <span class="requirement-badge">👁️ Awareness</span>
                                        <span class="requirement-badge">💪 Discipline</span>
                                        <span class="requirement-badge">🔄 Consistency</span>
                                    </div>
                                </div>

                                <div class="story-card">
                                    <div class="card-header">
                                        <div class="card-icon">💭</div>
                                        <h4>Real-Life Story</h4>
                                    </div>
                                    <div class="story-comparison">
                                        <div class="person person-a">
                                            <div class="person-icon">👨‍💼</div>
                                            <h5>Person A</h5>
                                            <p><strong>Earns:</strong> ₹50,000/month</p>
                                            <p><strong>Savings:</strong> ₹0</p>
                                            <p><strong>Lifestyle:</strong> Paycheck to paycheck</p>
                                        </div>
                                        <div class="vs">VS</div>
                                        <div class="person person-b">
                                            <div class="person-icon">👩‍💼</div>
                                            <h5>Person B</h5>
                                            <p><strong>Earns:</strong> ₹50,000/month</p>
                                            <p><strong>Savings:</strong> ₹5,000/month</p>
                                            <p><strong>Invests:</strong> For 10 years</p>
                                        </div>
                                    </div>
                                    <div class="story-conclusion">
                                        <p><strong>Who feels more confident?</strong> Person B - not because they earn more, but because they manage better!</p>
                                        <p class="story-lesson">💡 <em>This is personal finance in action - using simple habits to change your future.</em></p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'The Money Mindset',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">🧠</div>
                                    <h4>What Really Matters</h4>
                                    <p>When it comes to money, the numbers matter — but your <strong>beliefs, emotions, and habits</strong> matter even more.</p>
                                </div>

                                <div class="mindset-definition-card">
                                    <div class="card-icon">💭</div>
                                    <h4>Your Money Mindset Shapes Everything</h4>
                                    <div class="mindset-influences">
                                        <div class="influence-item">
                                            <span class="influence-icon">💼</span>
                                            <span>How you earn</span>
                                        </div>
                                        <div class="influence-item">
                                            <span class="influence-icon">💳</span>
                                            <span>How you spend</span>
                                        </div>
                                        <div class="influence-item">
                                            <span class="influence-icon">🏦</span>
                                            <span>How much you save</span>
                                        </div>
                                        <div class="influence-item">
                                            <span class="influence-icon">📈</span>
                                            <span>How you invest</span>
                                        </div>
                                        <div class="influence-item">
                                            <span class="influence-icon">😌</span>
                                            <span>How wealthy or stressed you become</span>
                                        </div>
                                    </div>
                                </div>

                                <div class="warning-card">
                                    <div class="card-icon">⚠️</div>
                                    <h4>The Hidden Influence</h4>
                                    <p>Many money beliefs are inherited unconsciously from our parents, environment, or society.</p>
                                    <p><strong>Unless we examine and challenge them, they silently control our decisions for life.</strong></p>
                                </div>

                                <div class="beliefs-section">
                                    <div class="harmful-beliefs-section">
                                        <div class="section-header">
                                            <div class="card-icon">🚩</div>
                                            <h4>Common (But Harmful) Money Beliefs</h4>
                                        </div>
                                        
                                        <div class="harmful-belief-cards">
                                            <div class="harmful-belief-card">
                                                <div class="belief-number">1</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">"Money is the root of all evil"</div>
                                                    <div class="belief-explanation">Common in cultures where wealth is seen as selfish. In reality, <strong>money is a tool</strong> that can be used for good or bad.</div>
                                                </div>
                                            </div>

                                            <div class="harmful-belief-card">
                                                <div class="belief-number">2</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">"I don't deserve to be rich"</div>
                                                    <div class="belief-explanation">Leads to <strong>self-sabotage</strong>. Even high earners don't retain wealth because they feel unworthy.</div>
                                                </div>
                                            </div>

                                            <div class="harmful-belief-card">
                                                <div class="belief-number">3</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">"Rich people are unhappy or dishonest"</div>
                                                    <div class="belief-explanation">If you believe wealth brings corruption, you may <strong>unconsciously avoid</strong> financial success.</div>
                                                </div>
                                            </div>

                                            <div class="harmful-belief-card">
                                                <div class="belief-number">4</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">"I'm just not good with money"</div>
                                                    <div class="belief-explanation">Leads to avoidance. But managing money is a <strong>learnable skill</strong> — no one is born financially smart.</div>
                                                </div>
                                            </div>

                                            <div class="harmful-belief-card">
                                                <div class="belief-number">5</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">"Money is scarce and hard to earn"</div>
                                                    <div class="belief-explanation">Creates fear, hoarding, and anxiety — and <strong>closes your mind</strong> to opportunities.</div>
                                                </div>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="positive-beliefs-section">
                                        <div class="section-header">
                                            <div class="card-icon">✅</div>
                                            <h4>The Right Money Mindset to Build</h4>
                                        </div>
                                        
                                        <div class="positive-belief-cards">
                                            <div class="positive-belief-card">
                                                <div class="belief-number">1</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">Money is a servant, not a master</div>
                                                    <div class="belief-explanation">You control it — it doesn't control you.</div>
                                                </div>
                                            </div>

                                            <div class="positive-belief-card">
                                                <div class="belief-number">2</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">Wealth is built gradually, not instantly</div>
                                                    <div class="belief-explanation">No "get rich quick" — but there is "get wealthy slowly and surely."</div>
                                                </div>
                                            </div>

                                            <div class="positive-belief-card">
                                                <div class="belief-number">3</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">Behaviour is everything</div>
                                                    <div class="belief-explanation">Many high earners go broke. Many average earners become wealthy by managing better.</div>
                                                </div>
                                            </div>

                                            <div class="positive-belief-card">
                                                <div class="belief-number">4</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">Rich doesn't mean sacrificing joy</div>
                                                    <div class="belief-explanation">Smart money management brings peace, generosity, and freedom.</div>
                                                </div>
                                            </div>

                                            <div class="positive-belief-card">
                                                <div class="belief-number">5</div>
                                                <div class="belief-content">
                                                    <div class="belief-quote">Everyone can learn to manage money</div>
                                                    <div class="belief-explanation">Whether you're 18 or 58, it's never too late to start.</div>
                                                </div>
                                            </div>
                                        </div>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Understanding Income, Expenses, Assets, and Liabilities',
                            content: `Income, Expenses, Assets, and Liabilities: these four terms aren't just accounting jargon — they are the lifelines of your financial health.

<h4>🧾 1. Income</h4>
Income is the money you earn. This could come from:
• A job (salary, bonuses)
• Freelance work or consulting  
• Business profits
• Rental income
• Dividends from investments
• Royalties or passive streams

<strong>Key point:</strong> Income is your fuel. It gives you the power to build assets, cover expenses, and move toward financial freedom.

<h4>💸 2. Expenses</h4>
Expenses are the money you spend. These can be:
• Fixed (rent, EMIs, insurance premiums)
• Variable (groceries, fuel, outings)
• Occasional (travel, electronics, repairs)

Spending isn't bad. But spending more than you earn creates a problem — you start relying on loans or credit cards, which pull you into a debt cycle.

<h4>🏠 3. Assets</h4>
Assets are the things you own that have value and can generate money or be sold.

Types of assets:
• Money in bank accounts
• Stocks, mutual funds, FDs
• Real estate (owned house, land)  
• Gold, crypto, valuable collectibles
• Businesses
• Intellectual property

<strong>Remember:</strong> Your income buys your assets. Your assets buy your freedom.

<h4>💳 4. Liabilities</h4>
Liabilities are what you owe — your debts or obligations.

Common liabilities:
• Home loan, Car loan, Education loan
• Credit card debt, Personal loans
• Buy-now-pay-later EMIs

<strong>The goal is to keep liabilities:</strong> Minimal, Productive, Well-managed

<div class="example-box">
<h4>The Interconnected Loop</h4>
Income → Covers Expenses → Surplus → Invested into Assets
Assets → Generate More Income → Help Reduce Dependence on Active Income
Liabilities → Eat Into Income → Delay Asset Building
</div>`
                        },
                        {
                            title: 'The Path to Financial Freedom',
                            content: `There's no secret formula to financial success. No hidden trick. No overnight magic.

But there is a simple, proven path — one that most people ignore because it looks too ordinary:

<strong>Earn. Save. Invest. Repeat.</strong>

Sounds boring? That's because real wealth is built in silence, not with hype.

<h4>Step 1: Earn Well (But Don't Overrate It)</h4>
High income ≠ financial freedom. We've seen people earning ₹10 lakh a year who are financially stuck, and people earning ₹5 lakh a year who are inching closer to freedom.

<h4>Step 2: Save Consistently</h4>
This is where most people lose the game. They increase their income and immediately increase their expenses. This is called <strong>lifestyle inflation</strong>, and it silently kills your ability to build wealth.

To save consistently:
• Understand the difference between needs and wants
• Learn to defer gratification  
• Set a fixed saving goal every month
• Automate your savings — save before you spend

<h4>Step 3: Invest Wisely</h4>
If you just save money in a bank account, inflation will eat its value. But if you invest it in equity, mutual funds, or real estate, you let compounding work for you.

<strong>"Compounding is the eighth wonder of the world." — Albert Einstein</strong>

<h4>Step 4: Repeat It</h4>
Wealth is a behaviour, not a transaction. The secret lies in consistency, not intensity. Do the right things repeatedly — even when it's boring.

<h4>Common Behavioural Traps</h4>

<strong>1. Impulse Spending</strong> — Fix: Pause 24 hours before any non-essential purchase
<strong>2. Debt Addiction</strong> — Fix: Pay full bills monthly, avoid borrowing for lifestyle  
<strong>3. Short-Term Thinking</strong> — Fix: Keep your goals visible
<strong>4. FOMO</strong> — Fix: Stick to your financial plan, ignore noise
<strong>5. No Learning</strong> — Fix: Read one finance article weekly

<div class="example-box">
<h4>Real-Life Application</h4>
If you save ₹10,000 every month starting at age 25 and invest it in mutual funds with 12% annual returns, by age 45 you'll have over ₹1 crore.

You don't need to earn crores; you just need to master the basics and stay consistent.
</div>`
                        }
                    ]
                },
                takeaways: [
                    'Financial freedom is not a luxury, it\'s a necessity for everyone',
                    'Your beliefs about money shape your behaviour far more than your income',
                    'It doesn\'t matter where you start, what matters is how you manage',
                    'Avoid traps, build habits, and commit to learning consistently',
                    'Earn. Save. Invest. Repeat. This is the proven formula.'
                ],
                quiz: [
                    {
                        question: 'What defines financial freedom?',
                        options: [
                            'Owning a big house',
                            'Earning more than others',
                            'Having enough passive income to live life on your terms',
                            'Saving ₹1 crore'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which of the following is a common financial trap?',
                        options: [
                            'Creating a monthly budget',
                            'Chasing instant gratification through spending',
                            'Investing early',
                            'Building an emergency fund'
                        ],
                        correct: 1
                    },
                    {
                        question: 'What is one major myth about money?',
                        options: [
                            'Investing helps your money grow',
                            'Financial goals give you direction',
                            'Rich people are inherently unhappy',
                            'Saving is important'
                        ],
                        correct: 2
                    },
                    {
                        question: 'What is the most important factor in building wealth?',
                        options: [
                            'Having a high income',
                            'Being born into a wealthy family',
                            'Consistent behaviour and discipline',
                            'Taking big investment risks'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which sequence represents the path to financial freedom?',
                        options: [
                            'Spend. Borrow. Invest. Hope.',
                            'Earn. Save. Invest. Repeat.',
                            'Invest. Earn. Save. Spend.',
                            'Save. Spend. Earn. Invest.'
                        ],
                        correct: 1
                    },
                    {
                        question: 'What is "lifestyle inflation"?',
                        options: [
                            'When prices of goods increase',
                            'When you increase expenses as your income grows',
                            'When you invest in lifestyle businesses',
                            'When you live beyond your means temporarily'
                        ],
                        correct: 1
                    }
                ]
            },
            'module-2': {
                id: 'module-2',
                moduleNumber: 2,
                title: 'Risks, and Myths in Personal Finance',
                description: 'Understand different type of financial risks, Myths, risk management approach in personal finance. Must Read.',
                icon: '⚠️',
                duration: '50 mins',
                difficulty: 'Beginner',
                objective: 'To break through harmful money myths, uncover the real risks in financial decision-making, and cultivate practical, common-sense thinking that leads to financial confidence and long-term stability.',
                learningOutcomes: [
                    'Understand the several types of financial risk and how they affect everyday decisions',
                    'Identify and challenge common money myths that lead to poor financial behaviour',
                    'Distinguish between emotional and rational money decisions',
                    'Apply clear, practical thinking to avoid common mistakes',
                    'Build a mindset that supports long-term wealth creation'
                ],
                content: {
                    sections: [
                        {
                            title: 'Understanding Financial Risk',
                            content: `
                                <div class="concept-cards">
                                    <div class="definition-card">
                                        <h4>🔍 What is Financial Risk?</h4>
                                        <p>Financial risk refers to the possibility of losing money or facing unexpected financial difficulty. Most people associate risk with stock markets or business losses. Most people associate risks to different asset classes based on their own understanding. For example, they say real estate is not risky. This assumption is totally wrong.</p>
                                        <p><strong>However, risk exists in every financial decision we make.</strong></p>
                                    </div>
                                    
                                    <div class="highlight-card">
                                        <h5>📝 Examples of Financial Risk</h5>
                                        <ul class="risk-examples">
                                            <li>Keeping all savings in a bank account and losing purchasing power due to inflation</li>
                                            <li>Buying a house without planning, leading to debt pressure, or becoming house poor. (House poor means a person who owns house but have no asset left and/or paying huge EMIs leaving little savings in hand to build wealth)</li>
                                            <li>Having no health insurance and facing large hospital bills leading to erosion of savings/investments at one go</li>
                                            <li>Relying on a single income source without backup</li>
                                        </ul>
                                    </div>
                                    
                                    <div class="warning-card">
                                        <div class="card-icon">💡</div>
                                        <h5>Important Note</h5>
                                        <p>Risks are not meant to be avoided. You can never plan your financial life with absolute zero risk. Managing risk does not mean avoiding action. It means understanding the consequences of your choices and preparing for them with a plan.</p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Common Types of Risk',
                            content: `
                                <div class="intro-card">
                                    <p>We cannot avoid risks. We should not avoid risks. We should understand them first. Some of the key risks every individual should know about:</p>
                                </div>
                                
                                <div class="concept-cards">
                                    <div class="concept-card">
                                        <div class="card-icon">📈</div>
                                        <h5>Inflation Risk</h5>
                                        <p>When your money grows slower than prices, its value decreases. The economies which are growing, chances of inflation is higher. Inflation keep eroding the value of your money. One hundred Rs today is more valuable than one hundred Rs after 5 years – That is the inflation.</p>
                                    </div>
                                    
                                    <div class="concept-card">
                                        <div class="card-icon">📊</div>
                                        <h5>Market Risk</h5>
                                        <p>Investments like stocks may rise or fall in value in the short term due to market sentiments as investors try to take actions before the actual situation arises which sometimes leads to false sentiments.</p>
                                    </div>
                                    
                                    <div class="concept-card">
                                        <div class="card-icon">🏢</div>
                                        <h5>Business Risk</h5>
                                        <p>Failure of business due to multiple internal or external factors like fail to create relevant product for market, fail to reach to end consumer, management failure to allocate capital properly, fail to keep up good corporate governance or failure to manage finances.</p>
                                    </div>
                                    
                                    <div class="concept-card">
                                        <div class="card-icon">💧</div>
                                        <h5>Liquidity Risk</h5>
                                        <p>Not being able to sell your investment quickly without losing much of its value. Assets like real estate may be difficult to convert into cash during emergencies.</p>
                                    </div>
                                    
                                    <div class="concept-card">
                                        <div class="card-icon">🏦</div>
                                        <h5>Credit Risk</h5>
                                        <p>The risk of not getting landed money back. Also called default risk. Happens when you purchase bond, debenture or fixed income security which ultimately lend the money to end user, and the user fails to payback.</p>
                                    </div>
                                    
                                    <div class="concept-card">
                                        <div class="card-icon">🏥</div>
                                        <h5>Health/Death Risk</h5>
                                        <p>Financial strain caused by sudden medical issues or death in the absence of insurance. This leads to sudden shock to your financials and may derail your entire financial planning.</p>
                                    </div>
                                </div>
                                
                                <div class="highlight-card">
                                    <p><strong>Understanding these risks helps you make more balanced decisions rather than fearing everything or avoiding action altogether.</strong></p>
                                </div>
                            `
                        },
                        {
                            title: 'Money Myths That Hurt Financial Growth',
                            content: `
                                <div class="intro-card">
                                    <p>Many people operate with outdated or untrue beliefs about money. These myths hold them back from making progress.</p>
                                </div>
                                
                                <div class="myth-cards">
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"You need to earn a lot to become wealthy."</h5>
                                        <p><strong>Reality:</strong> Disciplined savings and investments matter more than how much you earn. Your saving ratio and investing ratio determines your wealth in long run.</p>
                                    </div>
                                    
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"Investing is the same as gambling."</h5>
                                        <p><strong>Reality:</strong> Investing is based on informed decisions and long-term planning with proper risk calculation and management, while gambling is based on luck and random outcome.</p>
                                    </div>
                                    
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"Debt is always bad."</h5>
                                        <p><strong>Reality:</strong> Credit card debt and personal loans for consumption are harmful. But responsible debt, like a home loan or business loan, can help build long-term assets.</p>
                                    </div>
                                    
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"I'll start saving when I earn more."</h5>
                                        <p><strong>Reality:</strong> If you cannot save when you earn less, you likely will not save when you earn more. Saving is a habit, not a byproduct of income level.</p>
                                    </div>
                                    
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"Finance is too complicated for regular people."</h5>
                                        <p><strong>Reality:</strong> Most financial concepts can be understood with consistent learning and curiosity.</p>
                                    </div>
                                    
                                    <div class="myth-card">
                                        <div class="myth-icon">❌</div>
                                        <h5>"We will plan retirement when we are older."</h5>
                                        <p><strong>Reality:</strong> The earlier you start planning for retirement, the more time your money has to grow through compound interest.</p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Real Risks vs Imaginary Fears',
                            content: `
                                <div class="comparison-cards">
                                    <div class="warning-card">
                                        <div class="card-icon">😰</div>
                                        <h5>Many people worry about the wrong things</h5>
                                        <ul>
                                            <li>They fear mutual funds but spend impulsively without budgeting</li>
                                            <li>They avoid stock markets but have no emergency fund or insurance</li>
                                            <li>They worry about short-term market drops but ignore the long-term cost of inflation</li>
                                        </ul>
                                    </div>
                                    
                                    <div class="highlight-card">
                                        <div class="card-icon">🎯</div>
                                        <h5>Real financial risk lies in:</h5>
                                        <ul>
                                            <li>Not having a plan</li>
                                            <li>Not tracking your spending</li>
                                            <li>Not building assets</li>
                                            <li>Relying entirely on your job or business for stability</li>
                                        </ul>
                                    </div>
                                </div>
                                
                                <div class="definition-card">
                                    <p><strong>Once you identify the true risks, you can focus on building protection against them rather than reacting emotionally.</strong></p>
                                </div>
                            `
                        },
                        {
                            title: 'Mitigating the Risks (Risk Management)',
                            content: `
                                <div class="intro-card">
                                    <p>Good financial decisions are not just about understanding the risks, it is also about finding a ways and strategies to mitigate them. Here are some approach and strategies you can implement to manage risks.</p>
                                </div>
                                
                                <div class="risk-management-cards">
                                    <div class="management-card">
                                        <div class="card-icon">📈</div>
                                        <h5>Inflation Risk Management</h5>
                                        <p>To protect against inflation, try investing good portion in assets that have the potential to grow faster than inflation, such as equities or equity mutual funds. Avoid keeping all your money in low-interest savings or fixed deposits.</p>
                                    </div>
                                    
                                    <div class="management-card">
                                        <div class="card-icon">📊</div>
                                        <h5>Market Risk Management</h5>
                                        <p>Diversify your investments across asset classes (equity, debt, gold, etc.) to reduce dependence on market timing. Focus on long-term financial goals rather than reacting to short-term volatility. Use systematic investment plans (SIPs) to average out market fluctuations.</p>
                                    </div>
                                    
                                    <div class="management-card">
                                        <div class="card-icon">🏢</div>
                                        <h5>Business Risk Management</h5>
                                        <p>Avoid putting too much money into one stock or company-specific investment. Invest in diversified mutual funds or index funds that spread risk across sectors. When investing directly in businesses, analyze management quality, financial health, and competitive edge.</p>
                                    </div>
                                    
                                    <div class="management-card">
                                        <div class="card-icon">💧</div>
                                        <h5>Liquidity Risk Management</h5>
                                        <p>Maintain adequate emergency fund in highly liquid instruments like savings accounts or liquid mutual funds. Do not allocate all money to illiquid assets like real estate or long-term lock-in products. Match investment choices to the time horizon of your goals.</p>
                                    </div>
                                    
                                    <div class="management-card">
                                        <div class="card-icon">🏦</div>
                                        <h5>Credit Risk Management</h5>
                                        <p>Stick to bonds, FDs, and debt funds with high credit ratings or backed by strong institutions. Avoid chasing very high returns in unknown or unrated fixed-income instruments. Diversify across issuers and instruments to spread risk. Monitor ratings and exit if a downgrade or default seems likely.</p>
                                    </div>
                                    
                                    <div class="management-card">
                                        <div class="card-icon">🏥</div>
                                        <h5>Health/Death Risk Management</h5>
                                        <p>Buy adequate health insurance for yourself and your family to protect against medical expenses. Secure term life insurance early, especially if you have dependents. Keep emergency savings for uncovered or out-of-pocket costs. Review your coverage periodically to keep pace with changing needs.</p>
                                    </div>
                                </div>
                            `
                        }
                    ]
                },
                takeaways: [
                    'Risk is present in every decision. It is not about avoidance, but management.',
                    'Most people fear financial actions like investing but ignore silent risks like inflation and unplanned expenses.',
                    'Myths and inherited beliefs often block people from building wealth.',
                    'Managing Risk is about right strategies and approach for each of the major risk category.',
                    'Clear thinking and consistency are more important than one-time big moves.'
                ],
                quiz: [
                    {
                        question: 'Which of the following is a real financial risk?',
                        options: [
                            'Investing in SIPs for 10 years',
                            'Not having health insurance',
                            'Using a savings account',
                            'Reading finance books'
                        ],
                        correct: 1
                    },
                    {
                        question: 'What is a myth about personal finance?',
                        options: [
                            'You should save a part of your income',
                            'You need to be rich to start investing',
                            'Spending less than you earn is wise',
                            'Emergency funds are helpful'
                        ],
                        correct: 1
                    },
                    {
                        question: 'Which of the following is a sensible way to manage market risk in your investment portfolio?',
                        options: [
                            'Selling all investments during a market dip',
                            'Investing only in one trending stock for maximum returns',
                            'Timing the market by entering and exiting frequently',
                            'Diversifying across asset classes and investing through SIPs over the long term'
                        ],
                        correct: 3
                    },
                    {
                        question: 'Which of the following is a financially sensible action?',
                        options: [
                            'Borrowing to invest in stock markets for faster returns',
                            'Keeping all savings in a savings account to avoid risk',
                            'Diversifying investments based on your risk profile and goals',
                            'Avoiding any investment until you earn more'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which of the following is the most effective way to mitigate inflation risk over the long term?',
                        options: [
                            'Keeping all savings in a fixed deposit',
                            'Investing in real estate for rental income',
                            'Holding most of your money in a savings account',
                            'Investing in equity or equity mutual funds with long-term growth potential'
                        ],
                        correct: 3
                    },
                    {
                        question: 'Which of the following is an example of "liquidity risk"?',
                        options: [
                            'Not being able to sell an investment quickly without losing value',
                            'Losing money due to market volatility',
                            'Having low emergency savings',
                            'Investing in high-return schemes'
                        ],
                        correct: 0
                    }
                ]
            },
            'module-3': {
                id: 'module-3',
                moduleNumber: 3,
                title: 'Saving, Investing & The Power of Compounding',
                description: 'Understand various saving and investing options, the power of compound interest and develop a systematic approach for long-term wealth creation.',
                icon: '📘',
                duration: '75 mins',
                difficulty: 'Intermediate',
                objective: 'Understand various saving and investing options, the power of compound interest and develop a systematic approach for long-term wealth creation.',
                learningOutcomes: [
                    'Learn the difference between saving and investing',
                    'Discover various investment options and their risks',
                    'Understand how compound interest works',
                    'Create a systematic investment plan'
                ],
                content: {
                    sections: [
                        {
                            title: 'Introduction: Why Saving and Investing Matter',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">💡</div>
                                    <h4>The Foundation of Financial Freedom</h4>
                                    <p>Most people confuse saving with investing, but they serve different purposes. <strong>Saving is about building security for the short term, while investing is about growing wealth for the long term.</strong> Together, they form the foundation of financial freedom.</p>
                                </div>

                                <div class="key-message-card">
                                    <div class="card-icon">🎯</div>
                                    <h4>Essential Principle</h4>
                                    <div class="principle-box">
                                        <p><strong>Saving is defensive. Investing is offensive. You need both to win.</strong></p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Types of Saving Options',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">🏦</div>
                                    <h4>Understanding Saving Options</h4>
                                    <p>Savings options are tools designed primarily for <strong>capital preservation, low risk, and liquidity</strong>; not for generating high returns. They help:</p>
                                    <ul class="benefit-list">
                                        <li>Maintain financial stability</li>
                                        <li>Manage short-term goals or sudden needs</li>
                                        <li>Act as a safety net in emergencies</li>
                                    </ul>
                                    <p class="note-text">Unlike investments, saving options generally offer predictable but lower returns and are not intended to beat inflation or grow wealth significantly.</p>
                                </div>

                                <div class="comparison-table-card">
                                    <h4>📊 Saving Options Comparison</h4>
                                    <div class="table-container" style="overflow-x: auto;">
                                        <table class="comparison-table">
                                            <thead>
                                                <tr>
                                                    <th>Option</th>
                                                    <th>Risk</th>
                                                    <th>Returns (Approx.)</th>
                                                    <th>Liquidity</th>
                                                    <th>Ideal Use</th>
                                                </tr>
                                            </thead>
                                            <tbody>
                                                <tr>
                                                    <td><strong>Cash/Current Account</strong></td>
                                                    <td class="risk-na">NA</td>
                                                    <td>0%</td>
                                                    <td class="liquidity-highest">Highest</td>
                                                    <td>Daily expenses, business operations</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Savings Account</strong></td>
                                                    <td class="risk-very-low">Very Low</td>
                                                    <td>2%–3.5%</td>
                                                    <td class="liquidity-very-high">Very High (instant)</td>
                                                    <td>Day-to-day expenses, emergency buffer</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Fixed Deposits (FDs)</strong></td>
                                                    <td class="risk-low">Low</td>
                                                    <td>5%–7%</td>
                                                    <td class="liquidity-medium">Medium to Low</td>
                                                    <td>Short-term savings, capital protection</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Recurring Deposits (RDs)</strong></td>
                                                    <td class="risk-low">Low</td>
                                                    <td>5%–6.5%</td>
                                                    <td class="liquidity-medium">Medium</td>
                                                    <td>Planned future expenses (e.g., insurance premiums)</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Post Office Savings</strong></td>
                                                    <td class="risk-low">Low</td>
                                                    <td>4%–7.5%</td>
                                                    <td class="liquidity-medium">Medium</td>
                                                    <td>Safe rural saving schemes, senior citizen use</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Liquid Mutual Funds</strong></td>
                                                    <td class="risk-low">Low</td>
                                                    <td>4%–6%</td>
                                                    <td class="liquidity-very-high">Very High</td>
                                                    <td>Emergency fund with better returns than bank savings</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Gold</strong></td>
                                                    <td class="risk-medium">Medium</td>
                                                    <td>5%-10%</td>
                                                    <td class="liquidity-high">High</td>
                                                    <td>Short- to mid-term hedge against inflation</td>
                                                </tr>
                                            </tbody>
                                        </table>
                                    </div>
                                </div>

                                <div class="spotlight-card">
                                    <div class="card-icon">🥇</div>
                                    <h4>Gold: A Special Case</h4>
                                    <p>Gold holds a unique and debated position in personal finance.</p>
                                    
                                    <div class="dual-perspective">
                                        <div class="perspective-card inflation-hedge">
                                            <h5>🛡️ Gold as a Hedge Against Inflation</h5>
                                            <ul>
                                                <li>Historically, gold prices have tended to rise when inflation is high or currencies weaken.</li>
                                                <li>It retains purchasing power across generations and geopolitical uncertainty.</li>
                                                <li>Many investors use gold (physical, ETF, or SGB) to preserve value, especially when equity or currency markets are unstable.</li>
                                            </ul>
                                        </div>
                                        
                                        <div class="perspective-card investment">
                                            <h5>📈 Gold as an Investment</h5>
                                            <ul>
                                                <li>Some consider gold an "investment" due to potential capital appreciation.</li>
                                                <li>However, it does not produce income (no interest or dividends), and long-term returns often trail equities.</li>
                                                <li>Its role is often supporting rather than leading your portfolio.</li>
                                            </ul>
                                        </div>
                                    </div>
                                    
                                    <div class="conclusion-box">
                                        <p><strong>In short:</strong> Gold is not meant to grow wealth aggressively, but it's valuable as a stabilizer during financial stress.</p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Types of Investing Options',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">📈</div>
                                    <h4>Understanding Investment Options</h4>
                                    <p>Investing options are meant to <strong>grow your wealth over time</strong> by putting your money into assets that have the potential to earn returns higher than inflation. Unlike saving tools, investments may carry short-term risk or volatility, but they reward you with compounding, capital appreciation, and income over the long term.</p>
                                </div>

                                <div class="characteristics-card">
                                    <h4>🎯 Key Characteristics of Investing Options</h4>
                                    <div class="characteristic-list">
                                        <div class="characteristic-item">
                                            <span class="characteristic-icon">🚀</span>
                                            <span>Aim to build wealth, not just preserve it</span>
                                        </div>
                                        <div class="characteristic-item">
                                            <span class="characteristic-icon">📊</span>
                                            <span>Returns are market-linked or growth-based</span>
                                        </div>
                                        <div class="characteristic-item">
                                            <span class="characteristic-icon">🎯</span>
                                            <span>Best suited for medium- to long-term goals like retirement, home purchase, child education, etc.</span>
                                        </div>
                                    </div>
                                </div>

                                <div class="comparison-table-card">
                                    <h4>💰 Investment Options Comparison</h4>
                                    <div class="table-container" style="overflow-x: auto;">
                                        <table class="comparison-table">
                                            <thead>
                                                <tr>
                                                    <th style="min-width: 180px;">Option</th>
                                                    <th>Risk</th>
                                                    <th>Returns (Approx.)</th>
                                                    <th>Liquidity</th>
                                                    <th style="min-width: 200px;">Ideal Use</th>
                                                </tr>
                                            </thead>
                                            <tbody>
                                                <tr>
                                                    <td><strong>Equity Mutual Funds</strong></td>
                                                    <td class="risk-medium-high">Medium–High</td>
                                                    <td>10%–14% (long term)</td>
                                                    <td class="liquidity-high">High</td>
                                                    <td>Long-term wealth creation, SIP investing</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Direct Stocks (Equity)</strong></td>
                                                    <td class="risk-high">High</td>
                                                    <td>Variable (0–20%+)</td>
                                                    <td class="liquidity-high">High</td>
                                                    <td>Experienced investors with research discipline</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Index Funds / ETFs</strong></td>
                                                    <td class="risk-medium">Medium</td>
                                                    <td>10%–13%</td>
                                                    <td class="liquidity-high">High</td>
                                                    <td>Low-cost, passive long-term investing</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Public Provident Fund (PPF)</strong></td>
                                                    <td class="risk-low">Low</td>
                                                    <td>~7.1% (tax-free)</td>
                                                    <td class="liquidity-very-low">Very Low (15-year lock-in)</td>
                                                    <td>Retirement planning, tax-saving</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>National Pension Scheme (NPS)</strong></td>
                                                    <td class="risk-medium">Medium</td>
                                                    <td>8%–10%</td>
                                                    <td class="liquidity-low">Low (till age 60)</td>
                                                    <td>Retirement corpus with partial tax benefits</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Real Estate</strong></td>
                                                    <td class="risk-medium-high">Medium–High</td>
                                                    <td>5%–12% (location-based)</td>
                                                    <td class="liquidity-very-low">Very Low</td>
                                                    <td>Long-term wealth preservation, rental income</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>REITs / INVITs</strong></td>
                                                    <td class="risk-medium">Medium</td>
                                                    <td>6%–10% yield + growth</td>
                                                    <td class="liquidity-high">High (traded on exchanges)</td>
                                                    <td>Alternative income-generating asset</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Debt Mutual Funds</strong></td>
                                                    <td class="risk-low-medium">Low–Medium</td>
                                                    <td>5%–8%</td>
                                                    <td class="liquidity-medium">Medium</td>
                                                    <td>Lower-risk alternatives to FDs for stable income</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Corporate Bonds / Debentures</strong></td>
                                                    <td class="risk-medium">Medium</td>
                                                    <td>7%–9%</td>
                                                    <td class="liquidity-medium-low">Medium–Low</td>
                                                    <td>Income with slightly higher risk than FDs</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Smallcase Portfolios</strong></td>
                                                    <td class="risk-medium-high">Medium–High</td>
                                                    <td>Market-linked</td>
                                                    <td class="liquidity-high">High</td>
                                                    <td>Thematic long-term investing (e.g., EVs, value)</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>ULIPs / Endowment Plans</strong></td>
                                                    <td class="risk-low-medium">Low–Medium</td>
                                                    <td>4%–6% net (low liquidity)</td>
                                                    <td class="liquidity-very-low">Very Low</td>
                                                    <td>Insurance-cum-investment (not ideal for returns)</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Sovereign Gold Bonds (SGBs)</strong></td>
                                                    <td class="risk-low-medium">Low–Medium</td>
                                                    <td>2.5% + Gold Price</td>
                                                    <td class="liquidity-low">Low (8-year lock-in)</td>
                                                    <td>Safe way to invest in gold + fixed interest</td>
                                                </tr>
                                            </tbody>
                                        </table>
                                    </div>
                                </div>

                                <div class="chart-container">
                                    <h4>📊 Risk vs Return Analysis</h4>
                                    <div class="risk-return-chart">
                                        <canvas id="riskReturnChart" width="400" height="300"></canvas>
                                    </div>
                                    <div class="chart-legend">
                                        <div class="legend-item">
                                            <span class="legend-color saving"></span>
                                            <span>Saving Options</span>
                                        </div>
                                        <div class="legend-item">
                                            <span class="legend-color investing"></span>
                                            <span>Investment Options</span>
                                        </div>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Power of Compounding – Explained Simply',
                            content: `
                                <div class="einstein-quote-card">
                                    <div class="card-icon">💡</div>
                                    <h4>Einstein's Wisdom</h4>
                                    <blockquote>
                                        <p>"Compounding is the 8th wonder of the world."</p>
                                        <cite>– Albert Einstein</cite>
                                    </blockquote>
                                </div>

                                <div class="definition-card">
                                    <div class="card-icon">🔄</div>
                                    <h4>What is Compounding?</h4>
                                    <p>It is when your investment earns returns and those returns are added back to your original investment and those returns themselves start earning more returns. Over time, this leads to <strong>exponential growth</strong>.</p>
                                </div>

                                <div class="examples-section">
                                    <div class="example-card">
                                        <h4>💰 Example 1: Lump Sum Investment of ₹2,00,000 at 12% Annual Return</h4>
                                        <p>Let's say you invest ₹2,00,000 just once and let it grow without adding anything more:</p>
                                        
                                        <div class="growth-table">
                                            <table>
                                                <thead>
                                                    <tr>
                                                        <th>Time Period</th>
                                                        <th>Future Value (Approx.)</th>
                                                    </tr>
                                                </thead>
                                                <tbody>
                                                    <tr>
                                                        <td>After 10 years</td>
                                                        <td class="amount">₹6,21,000+</td>
                                                    </tr>
                                                    <tr>
                                                        <td>After 20 years</td>
                                                        <td class="amount">₹19,30,000+</td>
                                                    </tr>
                                                    <tr>
                                                        <td>After 30 years</td>
                                                        <td class="amount highlight">₹59,85,000+</td>
                                                    </tr>
                                                </tbody>
                                            </table>
                                        </div>
                                        
                                        <div class="conclusion-box">
                                            <p><strong>₹2 lakhs becomes nearly ₹60 lakhs in 30 years — purely through the power of compounding!</strong></p>
                                        </div>
                                    </div>

                                    <div class="example-card">
                                        <h4>📅 Example 2: Monthly SIP of ₹5,000 at 12% Annual Return</h4>
                                        <p>Now let's say instead of one-time investment, you invest ₹5,000 every month via SIP:</p>
                                        
                                        <div class="growth-table">
                                            <table>
                                                <thead>
                                                    <tr>
                                                        <th>Time Period</th>
                                                        <th>Total Invested</th>
                                                        <th>Future Value (Approx.)</th>
                                                    </tr>
                                                </thead>
                                                <tbody>
                                                    <tr>
                                                        <td>After 10 years</td>
                                                        <td>₹6,00,000</td>
                                                        <td class="amount">₹11,61,000+</td>
                                                    </tr>
                                                    <tr>
                                                        <td>After 20 years</td>
                                                        <td>₹12,00,000</td>
                                                        <td class="amount">₹38,35,000+</td>
                                                    </tr>
                                                    <tr>
                                                        <td>After 30 years</td>
                                                        <td>₹18,00,000</td>
                                                        <td class="amount highlight">₹1,05,80,000+</td>
                                                    </tr>
                                                </tbody>
                                            </table>
                                        </div>
                                        
                                        <div class="conclusion-box">
                                            <p><strong>Just ₹5,000/month becomes over ₹1 crore in 30 years!</strong></p>
                                        </div>
                                    </div>
                                </div>

                                <div class="magic-formula-card">
                                    <div class="card-icon">🔁</div>
                                    <h4>The Magic Formula</h4>
                                    <div class="formula-box">
                                        <p><strong>Time + Reinvestment = Magic</strong></p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Why Starting Early Matters',
                            content: `
                                <div class="importance-card">
                                    <div class="card-icon">⏰</div>
                                    <h4>The Time Advantage</h4>
                                    <ul class="advantage-list">
                                        <li>The earlier you start, the more time compounding works in your favour.</li>
                                        <li>Waiting even 5 years can halve your final corpus.</li>
                                        <li>Time can often matter more than the amount invested.</li>
                                    </ul>
                                </div>

                                <div class="comparison-insight-card">
                                    <div class="card-icon">📊</div>
                                    <h4>Real Impact Example</h4>
                                    <p>A 25-year-old investing ₹5,000/month until age 60 can accumulate <strong>3x more</strong> than someone who starts at 35 with the same amount.</p>
                                </div>

                                <div class="interactive-chart-card">
                                    <h4>📈 Interactive Compound Interest Calculator</h4>
                                    <p>Use this calculator to see how your investments can grow over time:</p>
                                    
                                    <div class="calculator-form">
                                        <div class="form-row">
                                            <div class="form-group">
                                                <label for="initialAmount">Initial Investment (₹)</label>
                                                <input type="number" id="initialAmount" value="200000" min="0" step="1000">
                                            </div>
                                            <div class="form-group">
                                                <label for="monthlyAmount">Monthly SIP (₹)</label>
                                                <input type="number" id="monthlyAmount" value="5000" min="0" step="500">
                                            </div>
                                        </div>
                                        
                                        <div class="form-row">
                                            <div class="form-group">
                                                <label for="annualReturn">Annual Return (%)</label>
                                                <input type="number" id="annualReturn" value="12" min="1" max="30" step="0.5">
                                            </div>
                                            <div class="form-group">
                                                <label for="investmentYears">Investment Period (Years)</label>
                                                <input type="number" id="investmentYears" value="20" min="1" max="50" step="1">
                                            </div>
                                        </div>
                                        
                                        <button onclick="calculateCompounding()" class="calculate-btn">
                                            <i class="fas fa-calculator"></i> Calculate Growth
                                        </button>
                                    </div>
                                    
                                    <div id="calculatorResults" class="calculator-results" style="display: none;">
                                        <div class="result-cards">
                                            <div class="result-card total-invested">
                                                <div class="result-value" id="totalInvested">₹0</div>
                                                <div class="result-label">Total Invested</div>
                                            </div>
                                            <div class="result-card future-value">
                                                <div class="result-value" id="futureValue">₹0</div>
                                                <div class="result-label">Future Value</div>
                                            </div>
                                            <div class="result-card wealth-gain">
                                                <div class="result-value" id="wealthGain">₹0</div>
                                                <div class="result-label">Wealth Gain</div>
                                            </div>
                                        </div>
                                        
                                        <div class="growth-chart-container">
                                            <canvas id="growthChart" width="400" height="200"></canvas>
                                        </div>
                                    </div>
                                </div>

                                <div class="comparison-card">
                                    <h4>👥 Early vs Late Investor Comparison</h4>
                                    <div class="investor-comparison">
                                        <div class="investor early-investor">
                                            <div class="investor-icon">✅</div>
                                            <h5>Early Investor</h5>
                                            <p>Starts at age 25 and invests ₹5,000/month for 35 years</p>
                                            <div class="investor-result">
                                                <span class="result-amount">₹1.68 Crores</span>
                                                <span class="result-detail">Total invested: ₹21 lakhs</span>
                                            </div>
                                        </div>
                                        
                                        <div class="vs-divider">VS</div>
                                        
                                        <div class="investor late-investor">
                                            <div class="investor-icon">🕒</div>
                                            <h5>Late Investor</h5>
                                            <p>Starts at age 35 and invests ₹5,000/month for 25 years</p>
                                            <div class="investor-result">
                                                <span class="result-amount">₹63 Lakhs</span>
                                                <span class="result-detail">Total invested: ₹15 lakhs</span>
                                            </div>
                                        </div>
                                    </div>
                                    
                                    <div class="comparison-insight">
                                        <p>As shown, the early investor ends up with significantly more, even though both invest similar monthly amounts — simply because compounding has more time to work.</p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Why Asset Allocation is Crucial',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">⚖️</div>
                                    <h4>The Foundation of Success</h4>
                                    <p>Asset allocation is the foundation of a successful personal finance strategy. It means <strong>distributing your investments across different asset classes</strong> such as equity, debt, gold, real estate, and cash instead of putting all your money in one place.</p>
                                    <p>It helps balance risk and reward, ensures long-term stability, and aligns your portfolio with your life goals and financial circumstances.</p>
                                </div>

                                <div class="subsection-card">
                                    <h4>A. Diversification: The First Layer of Risk Mitigation</h4>
                                    <div class="principle-box">
                                        <p><strong>No single asset class performs well all the time.</strong></p>
                                    </div>
                                    
                                    <p>Equity may boom during economic growth but fall during downturns. Gold may shine during uncertainty, while debt instruments offer steady returns during volatility.</p>
                                    
                                    <div class="benefits-grid">
                                        <div class="benefit-card">
                                            <div class="benefit-icon">🛡️</div>
                                            <h5>Risk Reduction</h5>
                                            <p>You reduce the impact of underperformance from any one investment</p>
                                        </div>
                                        <div class="benefit-card">
                                            <div class="benefit-icon">📈</div>
                                            <h5>Smooth Returns</h5>
                                            <p>You smooth out short-term fluctuations and lower the overall risk</p>
                                        </div>
                                        <div class="benefit-card">
                                            <div class="benefit-icon">🔄</div>
                                            <h5>Cycle Balance</h5>
                                            <p>You allow different parts of your portfolio to perform in different cycles</p>
                                        </div>
                                    </div>
                                    
                                    <div class="example-box">
                                        <p><strong>Example:</strong> If equity underperforms this year, your debt or gold allocation might still deliver stable returns, keeping your overall wealth on track.</p>
                                    </div>
                                </div>

                                <div class="subsection-card">
                                    <h4>B. Asset Allocation Helps Match Risk to Purpose</h4>
                                    <p>Different goals require different risk approaches:</p>
                                    
                                    <div class="goal-risk-mapping">
                                        <div class="mapping-item short-term">
                                            <div class="mapping-icon">🚗</div>
                                            <div class="mapping-content">
                                                <h5>Short-term goals</h5>
                                                <p>(like a car purchase in 1–2 years)</p>
                                                <div class="mapping-strategy">need capital protection → more debt or liquid assets</div>
                                            </div>
                                        </div>
                                        
                                        <div class="mapping-item long-term">
                                            <div class="mapping-icon">🎓</div>
                                            <div class="mapping-content">
                                                <h5>Long-term goals</h5>
                                                <p>(like retirement or child's education in 10+ years)</p>
                                                <div class="mapping-strategy">need growth → more equity and SIPs</div>
                                            </div>
                                        </div>
                                    </div>
                                    
                                    <div class="insight-box">
                                        <p>The right asset mix ensures your money works efficiently based on when you need it.</p>
                                    </div>
                                </div>

                                <div class="subsection-card">
                                    <h4>C. Personalized Allocation Based on Multiple Factors</h4>
                                    <p>There is no one-size-fits-all. Asset allocation must be based on:</p>
                                    
                                    <div class="factors-table">
                                        <table>
                                            <thead>
                                                <tr>
                                                    <th>Factor</th>
                                                    <th>Impact on Allocation</th>
                                                </tr>
                                            </thead>
                                            <tbody>
                                                <tr>
                                                    <td><strong>Age</strong></td>
                                                    <td>Younger investors can take more risk (more equity)</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Risk Appetite</strong></td>
                                                    <td>Conservative vs. Aggressive investors need different mixes</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Liabilities</strong></td>
                                                    <td>More debt = need for stability → more debt and cash</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Net Worth</strong></td>
                                                    <td>Higher wealth allows flexibility in taking calculated risk</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Willingness</strong></td>
                                                    <td>Some people can afford risk but may not be mentally comfortable</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>Financial Goals</strong></td>
                                                    <td>Each goal's time horizon and criticality drives the mix</td>
                                                </tr>
                                            </tbody>
                                        </table>
                                    </div>
                                    
                                    <div class="example-box">
                                        <p><strong>For example:</strong> A 30-year-old saving for retirement can afford 70% equity. But a 60-year-old nearing retirement may need 70% in debt to protect capital.</p>
                                    </div>
                                </div>

                                <div class="subsection-card">
                                    <h4>D. Typical Asset Allocation Guidelines (Age-Based)</h4>
                                    <div class="allocation-table">
                                        <table>
                                            <thead>
                                                <tr>
                                                    <th>Age Group</th>
                                                    <th>Equity %</th>
                                                    <th>Debt %</th>
                                                    <th>Gold/Others %</th>
                                                    <th>Purpose</th>
                                                </tr>
                                            </thead>
                                            <tbody>
                                                <tr>
                                                    <td><strong>20–35</strong></td>
                                                    <td class="equity-high">70–80%</td>
                                                    <td class="debt-low">10–20%</td>
                                                    <td class="others-medium">10%</td>
                                                    <td>Long-term growth</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>36–50</strong></td>
                                                    <td class="equity-medium">50–60%</td>
                                                    <td class="debt-medium">30–40%</td>
                                                    <td class="others-medium">10%</td>
                                                    <td>Growth + stability</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>51–65</strong></td>
                                                    <td class="equity-low">20–40%</td>
                                                    <td class="debt-high">50–60%</td>
                                                    <td class="others-medium">10%</td>
                                                    <td>Capital preservation, income</td>
                                                </tr>
                                                <tr>
                                                    <td><strong>65+</strong></td>
                                                    <td class="equity-very-low">10–20%</td>
                                                    <td class="debt-very-high">70–80%</td>
                                                    <td class="others-medium">10%</td>
                                                    <td>Income focus, low-risk</td>
                                                </tr>
                                            </tbody>
                                        </table>
                                    </div>
                                    
                                    <div class="disclaimer-box">
                                        <p><strong>These are general guidelines.</strong> Actual allocation must match the individual's unique profile.</p>
                                    </div>
                                </div>

                                <div class="subsection-card">
                                    <h4>E. Outcome: Growth with Control</h4>
                                    <p>Right asset allocation allows your wealth to:</p>
                                    
                                    <div class="outcome-list">
                                        <div class="outcome-item">
                                            <span class="outcome-icon">📈</span>
                                            <span>Grow consistently over time</span>
                                        </div>
                                        <div class="outcome-item">
                                            <span class="outcome-icon">🛡️</span>
                                            <span>Absorb short-term shocks in markets</span>
                                        </div>
                                        <div class="outcome-item">
                                            <span class="outcome-icon">🎯</span>
                                            <span>Stay aligned with your real-life goals (not market noise)</span>
                                        </div>
                                    </div>
                                    
                                    <div class="key-principle-box">
                                        <p>You are not betting on a single outcome, you are building a balanced, adaptive system.</p>
                                    </div>
                                </div>

                                <div class="action-card">
                                    <div class="card-icon">✅</div>
                                    <h4>Action Steps</h4>
                                    <p><strong>Do not put all your money in one asset class.</strong></p>
                                    <ul>
                                        <li>Use a mix of equity, debt, and alternatives based on:
                                            <ul>
                                                <li>Your age</li>
                                                <li>Risk profile</li>
                                                <li>Financial goals</li>
                                            </ul>
                                        </li>
                                    </ul>
                                    <p>Proper asset allocation reduces risk and improves consistency of returns.</p>
                                </div>
                            `
                        }
                    ]
                },
                takeaways: [
                    'Saving and Investing serve different purposes and ways to execute them are different.',
                    'There are many ways to get exposure in different asset classes based on different needs. Diversification helps manage investment risk.',
                    'Compound interest is the eighth wonder of the world. Time is your greatest asset when investing. Start early, even with lesser amounts.',
                    'Asset Allocation depends on several factors, and it is different for different individuals.'
                ],
                quiz: [
                    {
                        question: 'What is the primary purpose of a savings account?',
                        options: [
                            'To earn high returns',
                            'To invest in the stock market',
                            'To keep funds easily accessible for emergencies',
                            'To plan for long-term retirement goals'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which investment option is generally considered to offer the highest long-term returns?',
                        options: [
                            'Fixed Deposits',
                            'Real Estate',
                            'Equity Mutual Funds',
                            'Gold'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which of the following best defines compounding?',
                        options: [
                            'Earning interest on your initial investment only',
                            'Paying off debt slowly',
                            'Earning returns on your original investment and also on previous returns',
                            'Avoiding taxes by reinvesting profits'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Why is starting to invest early important?',
                        options: [
                            'It allows you to avoid paying taxes',
                            'It gives you more time to spend your money',
                            'It gives compounding more time to work and grow wealth',
                            'It guarantees higher returns'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which of these best explains asset allocation?',
                        options: [
                            'Putting all your money in one high-return stock',
                            'Spreading investments across different asset classes based on your risk profile',
                            'Investing only in fixed deposits and bonds',
                            'Avoiding risk by not investing at all'
                        ],
                        correct: 1
                    },
                    {
                        question: 'If you invest ₹5,000 per month for 30 years at 12% annual return, what is the approximate corpus you\'ll accumulate?',
                        options: [
                            '₹15 lakhs',
                            '₹30 lakhs',
                            '₹50 lakhs',
                            '₹1+ crores'
                        ],
                        correct: 3
                    }
                ]
            },
            'module-4': {
                id: 'module-4',
                moduleNumber: 4,
                title: 'All About Stocks, Mutual Funds, and SIPs',
                description: 'This module is designed to help learners understand how the stock market works, what mutual funds are, and how SIPs make investing simple and disciplined.',
                icon: '📊',
                duration: '65 mins',
                difficulty: 'Intermediate',
                objective: 'This module is designed to help learners understand how the stock market works, what mutual funds are, and how SIPs (Systematic Investment Plans) make investing simple and disciplined. The goal is to remove fear, build confidence, and enable you to make smarter long-term investment choices.',
                learningOutcomes: [
                    'Understand what stocks are and how they create wealth',
                    'Learn the basics of the stock market and its risks',
                    'Understand different types of mutual funds and how they work',
                    'Know how to start and manage a SIP',
                    'Learn when and how to use stocks vs. mutual funds in your portfolio',
                    'Avoid common mistakes while investing'
                ],
                content: {
                    sections: [
                        {
                            title: 'What is a Stock?',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">🏢</div>
                                    <h4>Stock = Ownership</h4>
                                    <p>A stock (also called an equity share) is a <strong>small ownership piece of a company</strong>. When you buy a stock, you become a part-owner of that company. If the company grows and becomes profitable, your share value also grows.</p>
                                </div>

                                <div class="concept-cards">
                                    <div class="concept-card">
                                        <div class="card-icon">🏪</div>
                                        <h5>Stock Exchanges</h5>
                                        <p>Stocks are traded on stock exchanges like <strong>NSE and BSE in India</strong> so that buying and selling becomes easier.</p>
                                    </div>
                                    <div class="concept-card">
                                        <div class="card-icon">📈</div>
                                        <h5>Market Indices</h5>
                                        <p><strong>Nifty and Sensex</strong> are indices which represent the basket of major 50 and 30 stocks respectively.</p>
                                    </div>
                                </div>

                                <div class="external-link-card">
                                    <div class="card-icon">📚</div>
                                    <h4>Learn More About Market Indices</h4>
                                    <p>Want to understand how Sensex and Nifty are calculated?</p>
                                    <a href="https://lifenivesh.com/blogs-and-articles/f/sensex-and-nifty-what-are-they-and-how-are-they-calculated" target="_blank" class="external-link-btn">
                                        <i class="fas fa-external-link-alt"></i> LifeNivesh Article
                                    </a>
                                </div>
                            `
                        },
                        {
                            title: 'How Do You Make Money in Stocks?',
                            content: `
                                <div class="earning-methods-card">
                                    <h4>💰 Two Ways to Earn from Stocks</h4>
                                    <div class="earning-methods">
                                        <div class="earning-method appreciation">
                                            <div class="method-icon">📈</div>
                                            <h5>Capital Appreciation</h5>
                                            <p>When the price of your stock goes up</p>
                                            <div class="method-example">Example: Buy at ₹100, sell at ₹150 = ₹50 profit</div>
                                        </div>
                                        <div class="earning-method dividends">
                                            <div class="method-icon">💵</div>
                                            <h5>Dividends</h5>
                                            <p>When the company shares its profits with you</p>
                                            <div class="method-example">Example: ₹5 dividend on ₹100 stock = 5% return</div>
                                        </div>
                                    </div>
                                </div>

                                <div class="warning-card">
                                    <div class="card-icon">⚠️</div>
                                    <h4>Important: Stocks Carry Risk</h4>
                                    <p>Prices can go up or down based on:</p>
                                    <ul class="risk-factors">
                                        <li>Market conditions and company performance</li>
                                        <li>Demand/supply and investor sentiment</li>
                                        <li>Sometimes without any fundamental business change</li>
                                    </ul>
                                    <p class="risk-note">So, one can lose money or gain money based on price fluctuations in stocks in short term without any change in business earning potential.</p>
                                </div>

                                <div class="regulation-card">
                                    <div class="card-icon">🏛️</div>
                                    <h4>Market Regulation & Behavior</h4>
                                    <p>The stock market is <strong>regulated by SEBI in India</strong>. The market reacts to:</p>
                                    <div class="market-factors">
                                        <span class="market-factor">📰 News</span>
                                        <span class="market-factor">🎯 Expectations</span>
                                        <span class="market-factor">📊 Business Results</span>
                                        <span class="market-factor">🌍 Global Events</span>
                                        <span class="market-factor">😨 Fear & 🤑 Greed</span>
                                    </div>
                                    <div class="important-note">
                                        <p><strong>It is important to invest with a long-term mindset and not based on tips or hype.</strong></p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'How to Invest in Stocks?',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">💳</div>
                                    <h4>Getting Started</h4>
                                    <p>Stocks can be bought directly from <strong>demat accounts</strong>.</p>
                                </div>

                                <div class="challenge-card">
                                    <div class="card-icon">🤔</div>
                                    <h4>The Real Challenge</h4>
                                    <p>But the important and complex part is:</p>
                                    <div class="challenge-questions">
                                        <div class="challenge-question">❓ Which stock to buy?</div>
                                        <div class="challenge-question">💰 How much to buy?</div>
                                        <div class="challenge-question">⏰ How long to hold?</div>
                                        <div class="challenge-question">📤 When to sell?</div>
                                    </div>
                                </div>

                                <div class="key-insight-card">
                                    <div class="card-icon">🔑</div>
                                    <h4>Key Insight</h4>
                                    <div class="insight-box">
                                        <p>Remember that <strong>the stock is nothing but a portion of a business</strong>. So, while buying a stock for long term, one should consider the fundamentals of the business and business potential.</p>
                                    </div>
                                </div>

                                <div class="business-investing-card">
                                    <div class="card-icon">🏆</div>
                                    <h4>Why Business Investing is Rewarding</h4>
                                    <p><strong>Business investing (Equity/Stock Investing) is considered as the most rewarding form of investing</strong> because:</p>
                                    <ul class="reward-list">
                                        <li>When you buy a stock, you become a partial owner of the business</li>
                                        <li>If business does well sustainably for longer period of time, you can make immense wealth</li>
                                        <li>Don't forget the risk behind it is also considerably high among all asset classes</li>
                                    </ul>
                                    <div class="risk-reward-principle">
                                        <p><strong>Naturally high risk comes with high reward and vice versa.</strong></p>
                                    </div>
                                </div>

                                <div class="money-making-secret-card">
                                    <div class="card-icon">💡</div>
                                    <h4>The Money-Making Secret</h4>
                                    <div class="secret-content">
                                        <p>One doesn't make money on how great the business is or how much profitable the company is.</p>
                                        <div class="secret-highlight">
                                            <p><strong>One makes money by anticipating the future earning growth potential of the business.</strong></p>
                                        </div>
                                        <p>To conclude it simply: one can't make much money by looking at past or present of the business/stock but by looking at the <strong>future potential</strong> of the business.</p>
                                    </div>
                                </div>

                                <div class="external-link-card">
                                    <div class="card-icon">🧠</div>
                                    <h4>Understanding Investment Psychology</h4>
                                    <p>Learn more about the risk and psychological aspects of stock investing:</p>
                                    <a href="https://nivezo.in/stock-market-biggest-risk-is-investors-themselves" target="_blank" class="external-link-btn">
                                        <i class="fas fa-external-link-alt"></i> Nivezo Article
                                    </a>
                                </div>
                            `
                        },
                        {
                            title: 'What is a Mutual Fund?',
                            content: `
                                <div class="definition-card">
                                    <div class="card-icon">🏦</div>
                                    <h4>Simple Definition</h4>
                                    <p>A mutual fund <strong>collects money from many investors and invests it in a mix of stocks, bonds, or other assets</strong>. It is managed by professional fund managers. Mutual funds are ideal for people who want to invest without directly choosing individual stocks.</p>
                                </div>

                                <div class="fund-types-section">
                                    <h4>🎯 Types of Mutual Funds</h4>
                                    
                                    <div class="fund-types-grid">
                                        <div class="fund-type equity">
                                            <div class="fund-icon">📈</div>
                                            <h5>Equity Mutual Funds</h5>
                                            <p><strong>Invest mostly in stocks.</strong></p>
                                            <div class="fund-suitable">Suitable for long-term growth</div>
                                        </div>
                                        
                                        <div class="fund-type debt">
                                            <div class="fund-icon">🏛️</div>
                                            <h5>Debt Mutual Funds</h5>
                                            <p><strong>Invest in bonds or fixed income instruments.</strong></p>
                                            <div class="fund-suitable">Suitable for stability</div>
                                        </div>
                                        
                                        <div class="fund-type hybrid">
                                            <div class="fund-icon">⚖️</div>
                                            <h5>Hybrid Funds</h5>
                                            <p><strong>Invest in both equity and debt.</strong></p>
                                            <div class="fund-suitable">Balance of growth and safety</div>
                                        </div>
                                        
                                        <div class="fund-type index">
                                            <div class="fund-icon">📊</div>
                                            <h5>Index Funds</h5>
                                            <p><strong>Track a market index like Nifty 50.</strong></p>
                                            <div class="fund-suitable">Passive and low cost</div>
                                        </div>
                                        
                                        <div class="fund-type thematic">
                                            <div class="fund-icon">🎲</div>
                                            <h5>Thematic Funds</h5>
                                            <p><strong>Invest in specific theme/sectors.</strong></p>
                                            <div class="fund-suitable">Highly risky but rewarding. Suitable for high-risk individuals</div>
                                        </div>
                                    </div>
                                </div>

                                <div class="external-link-card">
                                    <div class="card-icon">📖</div>
                                    <h4>Learn More About Mutual Funds</h4>
                                    <p>There are also, lot of other types of mutual funds. Learn more about them:</p>
                                    <a href="https://nivezo.in/the-fundamentals-of-mutual-funds-and-sip" target="_blank" class="external-link-btn">
                                        <i class="fas fa-external-link-alt"></i> Nivezo Article
                                    </a>
                                </div>
                            `
                        },
                        {
                            title: 'What is a SIP (Systematic Investment Plan)?',
                            content: `
                                <div class="definition-card">
                                    <div class="card-icon">🔄</div>
                                    <h4>SIP Explained</h4>
                                    <p>SIP is a method to <strong>invest a fixed amount regularly (monthly or quarterly) into a mutual fund</strong>. It builds the habit of investing and allows you to benefit from rupee cost averaging. SIPs are one of the easiest ways to build long-term wealth without needing to time the market.</p>
                                </div>

                                <div class="sip-working-card">
                                    <div class="card-icon">📅</div>
                                    <h4>How SIP Works</h4>
                                    <p>SIP allows you to invest regularly in market irrespective of the level of the market.</p>
                                    
                                    <div class="sip-example">
                                        <div class="example-scenario">
                                            <h5>📅 Example: Monthly SIP on 5th of Every Month</h5>
                                            <div class="scenario-timeline">
                                                <div class="scenario-month march">
                                                    <div class="month-label">March 5th</div>
                                                    <div class="market-condition down">Market down due to bad news</div>
                                                    <div class="investment-result">✅ You invest at lower level</div>
                                                </div>
                                                <div class="scenario-arrow">→</div>
                                                <div class="scenario-month april">
                                                    <div class="month-label">April 5th</div>
                                                    <div class="market-condition up">Market higher comparatively</div>
                                                    <div class="investment-result">📈 You invest at higher level</div>
                                                </div>
                                            </div>
                                            <div class="scenario-conclusion">
                                                <p><strong>Overall Result:</strong> When you invest for multiple months, it will average out the market level properly.</p>
                                            </div>
                                        </div>
                                    </div>
                                </div>

                                <div class="comparison-card">
                                    <h4>🆚 SIP vs. Lump Sum</h4>
                                    <div class="comparison-grid">
                                        <div class="comparison-item sip">
                                            <div class="comparison-icon">🔄</div>
                                            <h5>SIP</h5>
                                            <p>Good for salaried people or those who want to invest gradually</p>
                                        </div>
                                        <div class="comparison-item lumpsum">
                                            <div class="comparison-icon">💰</div>
                                            <h5>Lump Sum</h5>
                                            <p>Suitable when you have a large amount to invest at once</p>
                                        </div>
                                    </div>
                                    <div class="comparison-conclusion">
                                        <p>Both methods can be used based on your situation and market condition.</p>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'How to Select Mutual Fund and What to Look For?',
                            content: `
                                <div class="intro-card">
                                    <div class="card-icon">🎯</div>
                                    <h4>The Right Approach</h4>
                                    <p>Selecting the right mutual fund is <strong>not about chasing the best past returns</strong> — it's about choosing a fund that fits your goals, time horizon, and comfort with risk.</p>
                                </div>

                                <div class="selection-steps">
                                    <div class="step-card">
                                        <div class="step-number">1</div>
                                        <div class="step-content">
                                            <h4>🎯 Define Your Goal First</h4>
                                            <p>Every mutual fund is built for a purpose. Start by identifying why you're investing:</p>
                                            <ul class="goal-list">
                                                <li><strong>Retirement</strong> (long-term)?</li>
                                                <li><strong>Buying a car or house</strong> (medium-term)?</li>
                                                <li><strong>Emergency fund or parking surplus money</strong> (short-term)?</li>
                                                <li><strong>Saving taxes</strong> (ELSS)?</li>
                                            </ul>
                                            <div class="step-insight">
                                                <p>Your goal decides whether you need a growth-oriented equity fund, a balanced hybrid fund, or a safer debt fund.</p>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">2</div>
                                        <div class="step-content">
                                            <h4>⏰ Know Your Time Horizon</h4>
                                            <div class="horizon-guide">
                                                <div class="horizon-item short">
                                                    <div class="horizon-period">Less than 1 year</div>
                                                    <div class="horizon-recommendation">Go for liquid funds or ultra-short-term debt funds</div>
                                                </div>
                                                <div class="horizon-item medium-short">
                                                    <div class="horizon-period">1 to 3 years</div>
                                                    <div class="horizon-recommendation">Choose short-duration debt funds or conservative hybrid funds</div>
                                                </div>
                                                <div class="horizon-item medium">
                                                    <div class="horizon-period">3 to 5 years</div>
                                                    <div class="horizon-recommendation">Balanced advantage funds or large-cap funds</div>
                                                </div>
                                                <div class="horizon-item long">
                                                    <div class="horizon-period">5+ years</div>
                                                    <div class="horizon-recommendation">Equity mutual funds, index funds, or even small-cap funds for high-risk investors</div>
                                                </div>
                                            </div>
                                            <div class="step-insight">
                                                <p>Time helps manage risk — the longer the horizon, the more volatility you can afford.</p>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">3</div>
                                        <div class="step-content">
                                            <h4>🎚️ Assess Your Risk Appetite</h4>
                                            <p>Ask yourself: Can I handle ups and downs in value?</p>
                                            <div class="risk-guide">
                                                <div class="risk-level low">
                                                    <div class="risk-label">Low Risk</div>
                                                    <div class="risk-recommendation">Stick to debt mutual funds, hybrid funds, or index funds</div>
                                                </div>
                                                <div class="risk-level medium">
                                                    <div class="risk-label">Medium Risk</div>
                                                    <div class="risk-recommendation">Go for large and flexi-cap equity funds</div>
                                                </div>
                                                <div class="risk-level high">
                                                    <div class="risk-label">High Risk</div>
                                                    <div class="risk-recommendation">Try mid-cap, small-cap, or sectoral funds, only if you understand them</div>
                                                </div>
                                            </div>
                                            <div class="step-insight">
                                                <p>Risk is not just emotional — it also depends on your income stability, liabilities, and age.</p>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">4</div>
                                        <div class="step-content">
                                            <h4>📊 Look at Consistent Fund Performance</h4>
                                            <ul class="performance-checklist-plain">
                                                <li>Check returns over <strong>3, 5, and 7 years</strong>, not just 1-year return</li>
                                                <li>Compare with benchmark index and category average</li>
                                                <li>Look for stable performance, not one-time spikes</li>
                                                <li>Don't chase the "top performer" — consistency matters more</li>
                                            </ul>
                                            <div class="step-warning">
                                                <p>⚠️ Avoid newly launched funds unless you understand the strategy well.</p>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">5</div>
                                        <div class="step-content">
                                            <h4>💰 Expense Ratio Matters</h4>
                                            <p>This is the annual cost of managing your investment, deducted from returns.</p>
                                            <ul class="expense-tips-plain">
                                                <li>Direct plans have lower expense ratios than regular plans</li>
                                                <li>Index funds and ETFs have the lowest expenses</li>
                                                <li>Over 10–20 years, even a 1% cost difference affects final returns significantly</li>
                                            </ul>
                                            <div class="step-insight">
                                                <p>Always check the latest TER (Total Expense Ratio) before investing.</p>
                                            </div>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">6</div>
                                        <div class="step-content">
                                            <h4>👨‍💼 Check the Fund Manager and AMC Track Record</h4>
                                            <ul class="manager-checklist-plain">
                                                <li>Experience and reputation of the fund manager</li>
                                                <li>Stability and transparency of the AMC (Asset Management Company)</li>
                                                <li>Past performance under the same fund manager adds trust</li>
                                                <li>Look for clear investment strategy and fund objectives</li>
                                            </ul>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">7</div>
                                        <div class="step-content">
                                            <h4>📋 Understand the Fund Category and Strategy</h4>
                                            <ul class="strategy-checklist-plain">
                                                <li>Read the fund factsheet</li>
                                                <li>Understand where the fund invests — is it focused on large-cap, mid-cap, value stocks, bonds, or a mix?</li>
                                                <li>Know the volatility and risk grade (usually shown as low, moderate, high)</li>
                                                <li>Avoid funds whose strategy you don't understand or cannot explain in one line</li>
                                            </ul>
                                        </div>
                                    </div>

                                    <div class="step-card">
                                        <div class="step-number">8</div>
                                        <div class="step-content">
                                            <h4>🔄 Use SIP if Uncertain About Timing</h4>
                                            <p>If you're unsure when to invest, don't wait. Start a Systematic Investment Plan (SIP).</p>
                                            <div class="step-insight">
                                                <p>It helps you invest gradually and reduce the impact of market volatility.</p>
                                            </div>
                                        </div>
                                    </div>
                                </div>
                            `
                        },
                        {
                            title: 'Mutual Funds vs. Stocks – What Should You Choose?',
                            content: `
                                <div class="comparison-overview">
                                    <div class="overview-item mutual-funds">
                                        <div class="overview-icon">🏦</div>
                                        <h4>Mutual Funds</h4>
                                        <p>Safer for beginners, managed by experts, suitable for goals</p>
                                    </div>
                                    <div class="overview-vs">VS</div>
                                    <div class="overview-item stocks">
                                        <div class="overview-icon">📈</div>
                                        <h4>Stocks</h4>
                                        <p>Require research, high risk and reward, suitable for active investors</p>
                                    </div>
                                </div>

                                <div class="portfolio-note">
                                    <p>You can use both approaches in your portfolio based on your knowledge and risk appetite.</p>
                                </div>

                                <div class="choice-guides">
                                    <div class="choice-guide mutual-funds-guide">
                                        <div class="guide-header">
                                            <div class="guide-icon">🏦</div>
                                            <h4>Choose Mutual Funds If:</h4>
                                        </div>
                                        <ul class="guide-list">
                                            <li>You are new to investing</li>
                                            <li>You don't want to pick and track stocks</li>
                                            <li>You want professional help and peace of mind</li>
                                            <li>You prefer structured, goal-based investing</li>
                                        </ul>
                                    </div>

                                    <div class="choice-guide stocks-guide">
                                        <div class="guide-header">
                                            <div class="guide-icon">📈</div>
                                            <h4>Choose Stocks If:</h4>
                                        </div>
                                        <ul class="guide-list">
                                            <li>You have time and willingness to learn</li>
                                            <li>You enjoy researching companies and markets</li>
                                            <li>You are comfortable with higher short-term risk</li>
                                            <li>You want to take more control over your portfolio</li>
                                        </ul>
                                    </div>
                                </div>
                            `
                        }
                    ]
                },
                takeaways: [
                    'Stocks give ownership in companies but require knowledge and risk tolerance',
                    'Mutual funds are a simple way to invest in markets with professional help',
                    'SIPs make investing disciplined and remove emotional decision-making',
                    'Long-term investing beats short-term trading for most people',
                    'Diversify and stay consistent rather than chasing quick returns',
                    'You don\'t need to be an expert to start. You just need to begin.'
                ],
                quiz: [
                    {
                        question: 'What does it mean when you buy a stock?',
                        options: [
                            'You are giving a loan to the company',
                            'You are betting on the company',
                            'You become part-owner of the company',
                            'You get a guaranteed return'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which of the following is true about mutual funds?',
                        options: [
                            'They always give guaranteed returns',
                            'They are managed by fund managers',
                            'They require you to select individual stocks',
                            'They cannot invest in bonds'
                        ],
                        correct: 1
                    },
                    {
                        question: 'What is a SIP?',
                        options: [
                            'A type of fixed deposit',
                            'A loan repayment method',
                            'A regular way to invest in particular asset class',
                            'A form of stock trading'
                        ],
                        correct: 2
                    },
                    {
                        question: 'Which type of mutual fund is best for long-term growth and wealth building?',
                        options: [
                            'Equity Mutual Fund',
                            'Liquid Mutual Fund',
                            'Debt Mutual Fund',
                            'Fixed Deposit'
                        ],
                        correct: 0
                    },
                    {
                        question: 'Which of these is a benefit of SIP investing?',
                        options: [
                            'It helps avoid market risk completely',
                            'It guarantees profits every month',
                            'It builds discipline and averages cost over time',
                            'It allows trading multiple times a day'
                        ],
                        correct: 2
                    },
                    {
                        question: 'What is the main risk in directly investing in stocks?',
                        options: [
                            'Fixed returns',
                            'Lack of liquidity',
                            'Market volatility and emotional decision-making',
                            'Low long-term growth'
                        ],
                        correct: 2
                    }
                ]
            }
        };

        function getModuleData(moduleId) {
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        function renderModule(module) {
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                <div class="module-section">
                    <h2><i class="fas fa-target"></i> Objective</h2>
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                    <h2><i class="fas fa-lightbulb"></i> Learning Outcomes</h2>
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                <div class="module-section quiz-section">
                    <h2><i class="fas fa-question-circle"></i> Knowledge Check</h2>
                    <p class="quiz-intro">Test your understanding of this module with these questions:</p>
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                    <div class="module-icon-header">${module.icon}</div>
                    <h1 class="module-title">${escapeHtml(module.title)}</h1>
                    <p class="module-description">${escapeHtml(module.description)}</p>
                    <div class="module-meta-header">
                        <span><i class="fas fa-clock"></i> ${module.duration}</span>
                        <span><i class="fas fa-signal"></i> ${module.difficulty}</span>
                    </div>
                </div>
                
                <div class="module-content">
                    ${objectiveSection}
                    ${learningOutcomesSection}
                    ${contentSection}
                    ${takeawaysSection}
                    ${quizSection}
                </div>
                
                <div class="back-to-modules">
                    <a href="learning-modules.html" class="back-link">
                        <i class="fas fa-arrow-left"></i>
                        Back to Learning Modules
                    </a>
                </div>
            `;
            
            // Initialize Module 3 charts if this is Module 3
            if (module.id === 'module-3') {
                initializeModule3Charts();
            }
        }

        function formatDate(dateString) {
            return new Date(dateString).toLocaleDateString('en-US', {
                year: 'numeric',
                month: 'long',
                day: 'numeric'
            });
        }

        function escapeHtml(text) {
            const div = document.createElement('div');
            div.textContent = text;
            return div.innerHTML;
        }

        function renderQuiz(questions) {
            return questions.map((q, index) => `
                <div class="quiz-question" data-question="${index}">
                    <h4 class="question-text">Question ${index + 1}: ${escapeHtml(q.question)}</h4>
                    <div class="question-options">
                        ${q.options.map((option, optIndex) => `
                            <label class="option-label">
                                <input type="radio" name="question-${index}" value="${optIndex}" class="option-input">
                                <span class="option-text">${escapeHtml(option)}</span>
                            </label>
                        `).join('')}
                    </div>
                </div>
            `).join('') + `
                <button onclick="submitQuiz()" class="btn-quiz-submit">
                    <i class="fas fa-check"></i> Submit Quiz
                </button>
            `;
        }

        async function submitQuiz() {
            const moduleId = getModuleId();
            const module = getModuleData(moduleId);
            
            if (!module) return;
            
            const questions = module.quiz;
            let score = 0;
            let totalQuestions = questions.length;
            let results = [];
            
            questions.forEach((question, index) => {
                const selectedOption = document.querySelector(`input[name="question-${index}"]:checked`);
                const isCorrect = selectedOption && parseInt(selectedOption.value) === question.correct;
                
                if (isCorrect) score++;
                
                results.push({
                    question: question.question,
                    selectedAnswer: selectedOption ? question.options[selectedOption.value] : 'No answer selected',
                    correctAnswer: question.options[question.correct],
                    isCorrect: isCorrect
                });
            });
            
            displayQuizResults(score, totalQuestions, results);
        }

        async function displayQuizResults(score, total, results) {
            const percentage = Math.round((score / total) * 100);
            const moduleId = getModuleId();
            
            // Save quiz score using global function
            if (window.parent && window.parent.saveQuizScore) {
                await window.parent.saveQuizScore(moduleId, score, total, percentage);
            } else if (window.saveQuizScore) {
                await window.saveQuizScore(moduleId, score, total, percentage);
            } else {
                // Fallback to local implementation
                await saveQuizScore(moduleId, score, total, percentage);
            }
            
            // Mark module as completed regardless of score (just answering unlocks next module)
            if (window.parent && window.parent.markModuleCompleted) {
                await window.parent.markModuleCompleted(moduleId);
            } else if (window.markModuleCompleted) {
                await window.markModuleCompleted(moduleId);
            } else {
                // Fallback to local implementation
                await markModuleCompleted(moduleId);
            }
            
            const resultsHTML = `
                <div class="quiz-results completed">
                    <div class="score-header">
                        <h3><i class="fas fa-trophy"></i> Module Completed!</h3>
                        <div class="score-display">
                            <span class="score">${score}/${total}</span>
                            <span class="percentage">${percentage}%</span>
                        </div>
                    </div>
                    
                    <p class="result-message">
                        Great job! You have completed this module and unlocked the next one. 
                        ${percentage >= 70 ? 'Excellent performance!' : 'Consider reviewing the content to improve your understanding.'}
                    </p>
                    
                    <div class="detailed-results">
                        <h4>Detailed Results:</h4>
                        ${results.map((result, index) => `
                            <div class="result-item ${result.isCorrect ? 'correct' : 'incorrect'}">
                                <div class="result-question">Question ${index + 1}: ${escapeHtml(result.question)}</div>
                                <div class="result-answers">
                                    <div class="your-answer">Your answer: ${escapeHtml(result.selectedAnswer)}</div>
                                    ${!result.isCorrect ? `<div class="correct-answer">Correct answer: ${escapeHtml(result.correctAnswer)}</div>` : ''}
                                </div>
                            </div>
                        `).join('')}
                    </div>
                    
                    <div class="quiz-actions">
                        <button onclick="retakeQuiz()" class="btn-retake">
                            <i class="fas fa-redo"></i> Retake Quiz
                        </button>
                        <a href="learning-modules.html" class="btn-continue">
                            <i class="fas fa-arrow-right"></i> Continue Learning Journey
                        </a>
                    </div>
                </div>
            `;
            
            document.getElementById('quiz-container').style.display = 'none';
            document.getElementById('quiz-results').innerHTML = resultsHTML;
            document.getElementById('quiz-results').style.display = 'block';
        }

        async function markModuleCompleted(moduleId) {
            if (!currentUser) {
                console.warn('Cannot mark module completed: user not authenticated');
                return;
            }

            try {
                // Use the saveUserProgress function from learning-modules
                if (window.parent && window.parent.saveUserProgress) {
                    await window.parent.saveUserProgress(moduleId);
                } else {
                    // If not available from parent, implement it here
                    await saveModuleProgress(moduleId);
                }
                
                console.log('Module marked as completed:', moduleId);
            } catch (error) {
                console.error('Error marking module as completed:', error);
                
                // Fallback to basic Storage for this session
                try {
                    // Wait for Storage to be available
                    let attempts = 0;
                    while (typeof Storage === 'undefined' && attempts < 50) {
                        await new Promise(resolve => setTimeout(resolve, 100));
                        attempts++;
                    }
                    
                    if (typeof Storage !== 'undefined') {
                        let completedModules = await Storage.get('completedModules') || [];
                        if (!completedModules.includes(moduleId)) {
                            completedModules.push(moduleId);
                            await Storage.set('completedModules', completedModules);
                        }
                    } else {
                        console.warn('Storage not available for fallback completion tracking');
                    }
                } catch (fallbackError) {
                    console.error('Error in fallback completion tracking:', fallbackError);
                }
            }
        }

        async function saveQuizScore(moduleId, score, total, percentage) {
            if (!currentUser) return;

            // Wait for Storage to be available
            let attempts = 0;
            while (typeof Storage === 'undefined' && attempts < 50) {
                await new Promise(resolve => setTimeout(resolve, 100));
                attempts++;
            }

            if (typeof Storage === 'undefined') {
                console.error('Storage not available for saving quiz score');
                return;
            }

            try {
                const scoresKey = `quizScores_${currentUser.uid}`;
                const currentScores = await Storage.get(scoresKey) || {};
                
                // Save or update score (keep the best score)
                if (!currentScores[moduleId] || percentage > currentScores[moduleId].percentage) {
                    currentScores[moduleId] = {
                        score: score,
                        total: total,
                        percentage: percentage,
                        lastAttempt: new Date().toISOString(),
                        attempts: (currentScores[moduleId]?.attempts || 0) + 1
                    };
                    
                                // Save to Storage
            await Storage.set(scoresKey, currentScores);
                    
                    // Save to Firebase
                    try {
                        const { saveQuizScores } = await import('./firestoreService.js');
                        await saveQuizScores(currentScores);
                        console.log('Quiz scores synced to Firebase successfully');
                    } catch (error) {
                        console.warn('Failed to sync quiz scores to Firebase:', error);
                    }
                }
            } catch (error) {
                console.error('Error saving quiz score:', error);
            }
        }

        async function saveModuleProgress(moduleId) {
            if (!currentUser) return;

            // Wait for Storage to be available
            let attempts = 0;
            while (typeof Storage === 'undefined' && attempts < 50) {
                await new Promise(resolve => setTimeout(resolve, 100));
                attempts++;
            }

            if (typeof Storage === 'undefined') {
                console.error('Storage not available for saving module progress');
                return;
            }

            try {
                // Get current progress
                const progressKey = `userProgress_${currentUser.uid}`;
                const currentProgress = await Storage.get(progressKey) || [];
                
                // Add new completion if not already present
                if (!currentProgress.includes(moduleId)) {
                    currentProgress.push(moduleId);
                    
                                // Save to Storage immediately
            await Storage.set(progressKey, currentProgress);
                    
                    // Save to Firebase
                    try {
                        const { saveUserProgress } = await import('./firestoreService.js');
                        await saveUserProgress(currentProgress);
                        console.log('Progress synced to Firebase successfully');
                    } catch (error) {
                        console.warn('Failed to sync progress to Firebase:', error);
                    }
                }
            } catch (error) {
                console.error('Error saving module progress:', error);
            }
        }

        function retakeQuiz() {
            // Reset all radio buttons
            document.querySelectorAll('input[type="radio"]').forEach(input => {
                input.checked = false;
            });
            
            // Show quiz container and hide results
            document.getElementById('quiz-container').style.display = 'block';
            document.getElementById('quiz-results').style.display = 'none';
        }

        let currentUser = null;

        // Check if user is authenticated
        async function checkAuthentication() {
            try {
                const { auth } = await import('./firebase.js');
                const { onAuthStateChanged } = await import('https://www.gstatic.com/firebasejs/11.9.1/firebase-auth.js');
                
                // Return a promise that resolves when auth state is determined
                return new Promise((resolve, reject) => {
                    // Increased timeout to 5 seconds for better reliability
                    const timeout = setTimeout(() => {
                        console.log('Auth check timeout - checking current user state');
                        
                        // Check if Firebase user is already available
                        if (auth.currentUser) {
                            // Check if email is verified
                            if (!auth.currentUser.emailVerified) {
                                console.log('❌ Timeout auth check failed - email not verified for user:', auth.currentUser.email);
                                window.location.href = 'learning-modules.html';
                                reject(new Error('Email not verified'));
                                return;
                            }
                            
                            console.log('Found existing authenticated user:', auth.currentUser.email);
                            currentUser = auth.currentUser;
                            resolve(auth.currentUser);
                            return;
                        }
                        
                        console.log('No authenticated user found, redirecting to learning modules');
                        window.location.href = 'learning-modules.html';
                        reject(new Error('Authentication timeout'));
                    }, 5000);
                    
                    const unsubscribe = onAuthStateChanged(auth, (user) => {
                        clearTimeout(timeout);
                        unsubscribe();
                        
                        console.log('Auth state determined:', user ? user.email : 'No user');
                        
                        if (!user) {
                            console.log('User not authenticated, redirecting to learning modules');
                            window.location.href = 'learning-modules.html';
                            reject(new Error('User not authenticated'));
                            return;
                        }
                        
                        // Check if email is verified
                        if (!user.emailVerified) {
                            console.log('❌ Email not verified for user:', user.email, 'redirecting to learning modules');
                            window.location.href = 'learning-modules.html';
                            reject(new Error('Email not verified'));
                            return;
                        }
                        
                        currentUser = user;
                        console.log('Authentication successful, user:', user.email);
                        resolve(user);
                    });
                    
                    // Also check if user is already authenticated immediately
                    if (auth.currentUser) {
                        // Check if email is verified
                        if (!auth.currentUser.emailVerified) {
                            console.log('❌ Immediate auth check failed - email not verified for user:', auth.currentUser.email);
                            window.location.href = 'learning-modules.html';
                            reject(new Error('Email not verified'));
                            return;
                        }
                        
                        clearTimeout(timeout);
                        currentUser = auth.currentUser;
                        console.log('Immediate auth check passed:', auth.currentUser.email);
                        resolve(auth.currentUser);
                    }
                });
                
            } catch (error) {
                console.error('Error checking authentication:', error);
                // On error, redirect to learning modules page
                window.location.href = 'learning-modules.html';
                throw error;
            }
        }

        // User info collection functions (Firebase integrated)

        function validateForm(formData) {
            let isValid = true;
            const errors = {};

            // Validate full name
            if (!formData.fullName || formData.fullName.trim().length < 2) {
                errors.fullName = 'Full name must be at least 2 characters long';
                isValid = false;
            }

            // Validate email
            const emailRegex = /^[^\s@]+@[^\s@]+\.[^\s@]+$/;
            if (!formData.emailAddress || !emailRegex.test(formData.emailAddress)) {
                errors.emailAddress = 'Please enter a valid email address';
                isValid = false;
            }

            // Validate country code
            if (!formData.countryCode) {
                errors.countryCode = 'Please select a country code';
                isValid = false;
            }

            // Validate phone number (10-15 digits)
            const phoneRegex = /^[0-9]{10,15}$/;
            if (!formData.phoneNumber || !phoneRegex.test(formData.phoneNumber)) {
                errors.phoneNumber = 'Phone number must be 10-15 digits';
                isValid = false;
            }

            return { isValid, errors };
        }

        function showFieldError(fieldName, message) {
            const field = document.getElementById(fieldName);
            const errorElement = document.getElementById(fieldName + 'Error');
            
            if (field && errorElement) {
                field.classList.add('error');
                field.classList.remove('success');
                errorElement.textContent = message;
                errorElement.classList.add('show');
            }
        }

        function showFieldSuccess(fieldName) {
            const field = document.getElementById(fieldName);
            const errorElement = document.getElementById(fieldName + 'Error');
            
            if (field && errorElement) {
                field.classList.remove('error');
                field.classList.add('success');
                errorElement.classList.remove('show');
            }
        }

        function clearFieldErrors() {
            ['fullName', 'emailAddress', 'countryCode', 'phoneNumber'].forEach(fieldName => {
                const field = document.getElementById(fieldName);
                const errorElement = document.getElementById(fieldName + 'Error');
                
                if (field) {
                    field.classList.remove('error', 'success');
                }
                if (errorElement) {
                    errorElement.classList.remove('show');
                }
            });
        }

        function showUserInfoStatus(message, isError = false) {
            // Create or get status element
            let statusElement = document.getElementById('userInfoStatus');
            if (!statusElement) {
                statusElement = document.createElement('div');
                statusElement.id = 'userInfoStatus';
                statusElement.style.cssText = `
                    padding: 12px;
                    margin: 15px 0;
                    border-radius: 8px;
                    text-align: center;
                    font-weight: 500;
                    transition: all 0.3s ease;
                `;
                
                // Insert after the form
                const form = document.getElementById('userInfoForm');
                form.parentNode.insertBefore(statusElement, form.nextSibling);
            }
            
            // Set message and styling
            statusElement.textContent = message;
            statusElement.style.backgroundColor = isError ? '#fee2e2' : '#dcfce7';
            statusElement.style.color = isError ? '#dc2626' : '#16a34a';
            statusElement.style.border = isError ? '1px solid #fecaca' : '1px solid #bbf7d0';
            statusElement.style.display = 'block';
            
            // Auto-hide after delay
            setTimeout(() => {
                statusElement.style.display = 'none';
            }, isError ? 4000 : 3000);
        }

        async function populateUserInfoForm() {
            const userInfo = await getUserInfo();
            if (userInfo) {
                document.getElementById('fullName').value = userInfo.fullName || '';
                document.getElementById('emailAddress').value = userInfo.emailAddress || '';
                document.getElementById('countryCode').value = userInfo.countryCode || '+91';
                document.getElementById('phoneNumber').value = userInfo.phoneNumber || '';
            }
            
            // If user is authenticated, pre-fill email from auth
            if (currentUser && currentUser.email) {
                document.getElementById('emailAddress').value = currentUser.email;
            }
        }

        function handleUserInfoForm() {
            const form = document.getElementById('userInfoForm');
            
            form.addEventListener('submit', async (e) => {
                e.preventDefault();
                
                const formData = {
                    fullName: document.getElementById('fullName').value.trim(),
                    emailAddress: document.getElementById('emailAddress').value.trim(),
                    countryCode: document.getElementById('countryCode').value,
                    phoneNumber: document.getElementById('phoneNumber').value.trim()
                };
                
                clearFieldErrors();
                const validation = validateForm(formData);
                
                if (!validation.isValid) {
                    // Show errors
                    Object.keys(validation.errors).forEach(fieldName => {
                        showFieldError(fieldName, validation.errors[fieldName]);
                    });
                    return;
                }
                
                // Show success
                Object.keys(formData).forEach(fieldName => {
                    showFieldSuccess(fieldName);
                });
                
                // Disable submit button while saving
                const submitBtn = document.querySelector('.btn-save-info');
                const originalText = submitBtn.innerHTML;
                submitBtn.disabled = true;
                submitBtn.innerHTML = '<i class="fas fa-spinner fa-spin"></i> Saving...';
                
                try {
                    // Save user info using the enhanced Storage system
                    await saveUserInfo(formData);
                    console.log('User info saved successfully:', formData);
                    
                    // Show success message
                    showUserInfoStatus('Profile saved successfully!', false);
                    
                    // Hide user info form and show module after brief delay
                    setTimeout(() => {
                        document.getElementById('userInfoContainer').style.display = 'none';
                        loadModuleContent();
                    }, 1000);
                } catch (error) {
                    console.error('Error saving user info:', error);
                    // Show error but allow to continue
                    showUserInfoStatus('Profile saved locally. You can continue learning.', false);
                    
                    setTimeout(() => {
                        document.getElementById('userInfoContainer').style.display = 'none';
                        loadModuleContent();
                    }, 2000);
                } finally {
                    // Re-enable submit button
                    submitBtn.disabled = false;
                    submitBtn.innerHTML = originalText;
                }
            });
            
            // Real-time validation
            ['fullName', 'emailAddress', 'countryCode', 'phoneNumber'].forEach(fieldName => {
                const field = document.getElementById(fieldName);
                if (field) {
                    field.addEventListener('blur', () => {
                        const formData = {
                            fullName: document.getElementById('fullName').value.trim(),
                            emailAddress: document.getElementById('emailAddress').value.trim(),
                            countryCode: document.getElementById('countryCode').value,
                            phoneNumber: document.getElementById('phoneNumber').value.trim()
                        };
                        
                        const validation = validateForm(formData);
                        
                        if (validation.errors[fieldName]) {
                            showFieldError(fieldName, validation.errors[fieldName]);
                        } else if (formData[fieldName]) {
                            showFieldSuccess(fieldName);
                        }
                    });
                }
            });
            
            // Phone number input restriction
            const phoneField = document.getElementById('phoneNumber');
            phoneField.addEventListener('input', (e) => {
                e.target.value = e.target.value.replace(/[^0-9]/g, '').substring(0, 15);
            });
        }

        function loadModuleContent() {
            const moduleId = getModuleId();
            
            if (!moduleId) {
                document.getElementById('errorContainer').style.display = 'block';
                return;
            }
            
            try {
                const module = getModuleData(moduleId);
                
                if (!module) {
                    document.getElementById('errorContainer').style.display = 'block';
                    return;
                }
                
                document.title = `${module.title} - Learning Module | Nivezo`;
                
                renderModule(module);
                document.getElementById('moduleContainer').style.display = 'block';
            } catch (error) {
                console.error('Error loading module:', error);
                document.getElementById('errorContainer').style.display = 'block';
            }
        }

                async function initializePage() {
            try {
                console.log('Initializing module page...');
                
                // Check authentication first - this will redirect if not authenticated
                const user = await checkAuthentication();
                console.log('Authentication passed for user:', user.email);
                
                document.getElementById('loadingContainer').style.display = 'none';
                
                // Check if user info is collected
                const hasUserInfo = await checkUserInfo();
                console.log('User info check result:', hasUserInfo);
                
                if (hasUserInfo) {
                    console.log('User info already collected, loading module content...');
                    loadModuleContent();
                } else {
                    console.log('User info not collected, showing collection form...');
                    // Show user info collection form
                    document.getElementById('userInfoContainer').style.display = 'block';
                    await populateUserInfoForm();
                    handleUserInfoForm();
                }
                
            } catch (authError) {
                console.error('Authentication error during initialization:', authError);
                // checkAuthentication already handles the redirect
                document.getElementById('loadingContainer').style.display = 'none';
                document.getElementById('errorContainer').style.display = 'block';
            }
        }

        document.addEventListener('DOMContentLoaded', () => {
            initializePage().catch(console.error);
        });

        // Module 3 Interactive Functions
        
        // Compound Interest Calculator
        function calculateCompounding() {
            const initialAmount = parseFloat(document.getElementById('initialAmount').value) || 0;
            const monthlyAmount = parseFloat(document.getElementById('monthlyAmount').value) || 0;
            const annualReturn = parseFloat(document.getElementById('annualReturn').value) || 12;
            const years = parseFloat(document.getElementById('investmentYears').value) || 20;
            
            const monthlyRate = annualReturn / 100 / 12;
            const months = years * 12;
            
            // Calculate compound growth for initial investment
            const principalGrowth = initialAmount * Math.pow(1 + annualReturn / 100, years);
            
            // Calculate compound growth for monthly SIP
            let sipGrowth = 0;
            if (monthlyAmount > 0 && monthlyRate > 0) {
                sipGrowth = monthlyAmount * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate);
            } else if (monthlyAmount > 0) {
                sipGrowth = monthlyAmount * months;
            }
            
            const totalInvested = initialAmount + (monthlyAmount * months);
            const futureValue = principalGrowth + sipGrowth;
            const wealthGain = futureValue - totalInvested;
            
            // Display results
            document.getElementById('totalInvested').textContent = formatCurrency(totalInvested);
            document.getElementById('futureValue').textContent = formatCurrency(futureValue);
            document.getElementById('wealthGain').textContent = formatCurrency(wealthGain);
            
            // Show results container
            document.getElementById('calculatorResults').style.display = 'block';
            
            // Create growth chart
            createGrowthChart(initialAmount, monthlyAmount, annualReturn, years);
        }
        
        function formatCurrency(amount) {
            if (amount >= 10000000) {
                return '₹' + (amount / 10000000).toFixed(2) + ' Cr';
            } else if (amount >= 100000) {
                return '₹' + (amount / 100000).toFixed(2) + ' L';
            } else {
                return '₹' + amount.toLocaleString('en-IN');
            }
        }
        
        function createGrowthChart(principal, monthly, rate, years) {
            const canvas = document.getElementById('growthChart');
            if (!canvas) return;
            
            const ctx = canvas.getContext('2d');
            const width = canvas.width;
            const height = canvas.height;
            
            // Clear canvas
            ctx.clearRect(0, 0, width, height);
            
            // Calculate data points
            const dataPoints = [];
            const monthlyRate = rate / 100 / 12;
            
            for (let year = 0; year <= years; year++) {
                const months = year * 12;
                const principalGrowth = principal * Math.pow(1 + rate / 100, year);
                const sipGrowth = monthly > 0 ? monthly * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate) : 0;
                const totalValue = principalGrowth + sipGrowth;
                const totalInvested = principal + (monthly * months);
                
                dataPoints.push({
                    year: year,
                    value: totalValue,
                    invested: totalInvested
                });
            }
            
            // Find max value for scaling
            const maxValue = Math.max(...dataPoints.map(d => d.value));
            const padding = 40;
            const chartWidth = width - 2 * padding;
            const chartHeight = height - 2 * padding;
            
            // Draw axes
            ctx.strokeStyle = '#e2e8f0';
            ctx.lineWidth = 1;
            ctx.beginPath();
            ctx.moveTo(padding, padding);
            ctx.lineTo(padding, height - padding);
            ctx.lineTo(width - padding, height - padding);
            ctx.stroke();
            
            // Draw investment line (blue)
            ctx.strokeStyle = '#3b82f6';
            ctx.lineWidth = 2;
            ctx.beginPath();
            dataPoints.forEach((point, index) => {
                const x = padding + (point.year / years) * chartWidth;
                const y = height - padding - (point.invested / maxValue) * chartHeight;
                if (index === 0) {
                    ctx.moveTo(x, y);
                } else {
                    ctx.lineTo(x, y);
                }
            });
            ctx.stroke();
            
            // Draw growth line (green)
            ctx.strokeStyle = '#16a34a';
            ctx.lineWidth = 3;
            ctx.beginPath();
            dataPoints.forEach((point, index) => {
                const x = padding + (point.year / years) * chartWidth;
                const y = height - padding - (point.value / maxValue) * chartHeight;
                if (index === 0) {
                    ctx.moveTo(x, y);
                } else {
                    ctx.lineTo(x, y);
                }
            });
            ctx.stroke();
            
            // Add labels
            ctx.fillStyle = '#64748b';
            ctx.font = '12px Arial';
            ctx.fillText('Years', width - 50, height - 10);
            ctx.save();
            ctx.translate(15, height / 2);
            ctx.rotate(-Math.PI / 2);
            ctx.fillText('Amount (₹)', 0, 0);
            ctx.restore();
            
            // Add legend
            ctx.fillStyle = '#3b82f6';
            ctx.fillRect(padding, 10, 15, 10);
            ctx.fillStyle = '#64748b';
            ctx.font = '12px Arial';
            ctx.fillText('Total Invested', padding + 20, 20);
            
            ctx.fillStyle = '#16a34a';
            ctx.fillRect(padding + 120, 10, 15, 10);
            ctx.fillText('Future Value', padding + 140, 20);
        }
        
        // Risk Return Chart
        function createRiskReturnChart() {
            const canvas = document.getElementById('riskReturnChart');
            if (!canvas) {
                console.log('Risk Return Chart canvas not found');
                return;
            }
            
            const ctx = canvas.getContext('2d');
            if (!ctx) {
                console.log('Could not get 2D context for chart');
                return;
            }
            
            const width = canvas.width;
            const height = canvas.height;
            
            console.log('Creating risk return chart with dimensions:', width, 'x', height);
            
            // Clear canvas
            ctx.clearRect(0, 0, width, height);
            
            // Investment options data
            const savingOptions = [
                { name: 'Savings Account', risk: 1, return: 3 },
                { name: 'Fixed Deposits', risk: 2, return: 6 },
                { name: 'Liquid MF', risk: 2, return: 5 },
                { name: 'Gold', risk: 4, return: 7.5 }
            ];
            
            const investmentOptions = [
                { name: 'PPF', risk: 2, return: 7.1 },
                { name: 'Debt MF', risk: 3, return: 6.5 },
                { name: 'NPS', risk: 4, return: 9 },
                { name: 'Index Funds', risk: 5, return: 11.5 },
                { name: 'Equity MF', risk: 6, return: 12 },
                { name: 'Real Estate', risk: 6, return: 8.5 },
                { name: 'Direct Stocks', risk: 8, return: 15 },
                { name: 'Smallcase', risk: 7, return: 13 }
            ];
            
            const padding = 50;
            const chartWidth = width - 2 * padding;
            const chartHeight = height - 2 * padding;
            
            // Draw axes
            ctx.strokeStyle = '#e2e8f0';
            ctx.lineWidth = 1;
            ctx.beginPath();
            ctx.moveTo(padding, height - padding);
            ctx.lineTo(width - padding, height - padding);
            ctx.moveTo(padding, padding);
            ctx.lineTo(padding, height - padding);
            ctx.stroke();
            
            // Draw grid lines
            ctx.strokeStyle = '#f1f5f9';
            ctx.lineWidth = 0.5;
            for (let i = 1; i <= 10; i++) {
                const x = padding + (i / 10) * chartWidth;
                const y = height - padding - (i / 10) * chartHeight;
                
                ctx.beginPath();
                ctx.moveTo(x, padding);
                ctx.lineTo(x, height - padding);
                ctx.stroke();
                
                ctx.beginPath();
                ctx.moveTo(padding, y);
                ctx.lineTo(width - padding, y);
                ctx.stroke();
            }
            
            // Plot saving options (blue)
            ctx.fillStyle = '#3b82f6';
            savingOptions.forEach(option => {
                const x = padding + (option.risk / 10) * chartWidth;
                const y = height - padding - (option.return / 20) * chartHeight;
                
                ctx.beginPath();
                ctx.arc(x, y, 6, 0, 2 * Math.PI);
                ctx.fill();
                
                ctx.fillStyle = '#1e40af';
                ctx.font = '10px Arial';
                ctx.fillText(option.name, x + 8, y + 3);
                ctx.fillStyle = '#3b82f6';
            });
            
            // Plot investment options (red)
            ctx.fillStyle = '#ef4444';
            investmentOptions.forEach(option => {
                const x = padding + (option.risk / 10) * chartWidth;
                const y = height - padding - (option.return / 20) * chartHeight;
                
                ctx.beginPath();
                ctx.arc(x, y, 6, 0, 2 * Math.PI);
                ctx.fill();
                
                ctx.fillStyle = '#dc2626';
                ctx.font = '10px Arial';
                ctx.fillText(option.name, x + 8, y + 3);
                ctx.fillStyle = '#ef4444';
            });
            
            // Add axis labels
            ctx.fillStyle = '#64748b';
            ctx.font = '14px Arial';
            ctx.fillText('Risk Level', width / 2 - 30, height - 10);
            ctx.save();
            ctx.translate(15, height / 2);
            ctx.rotate(-Math.PI / 2);
            ctx.fillText('Expected Return (%)', 0, 0);
            ctx.restore();
            
            // Add scale labels
            ctx.font = '12px Arial';
            for (let i = 0; i <= 10; i += 2) {
                ctx.fillText(i.toString(), padding + (i / 10) * chartWidth - 5, height - padding + 15);
            }
            for (let i = 0; i <= 20; i += 5) {
                ctx.fillText(i + '%', padding - 30, height - padding - (i / 20) * chartHeight + 5);
            }
        }
        
        // Initialize charts when page loads
        function initializeModule3Charts() {
            // Small delay to ensure DOM is fully loaded
            setTimeout(() => {
                if (document.getElementById('riskReturnChart')) {
                    createRiskReturnChart();
                }
            }, 200);
        }

        // Firebase integration for user profile
        async function saveUserInfoToFirebase(userInfo) {
            try {
                const { saveUserProfile } = await import('./firestoreService.js');
                await saveUserProfile(userInfo);
                console.log('User profile saved to Firebase successfully');
                return true;
            } catch (error) {
                console.error('Error saving user profile to Firebase:', error);
                // Don't throw error - allow form to continue with localStorage only
                return false;
            }
        }

        async function getUserInfoFromFirebase() {
            try {
                const { fetchUserProfile } = await import('./firestoreService.js');
                const profile = await fetchUserProfile();
                if (profile) {
                    // Wait for Storage to be available before saving
                    let attempts = 0;
                    while (typeof Storage === 'undefined' && attempts < 50) {
                        await new Promise(resolve => setTimeout(resolve, 100));
                        attempts++;
                    }
                    
                    // Save to Storage for offline access if available
                    if (typeof Storage !== 'undefined') {
                        try {
                            await Storage.set('userProfileInfo', profile);
                            console.log('User profile cached to Storage');
                        } catch (storageError) {
                            console.warn('Failed to cache profile to Storage:', storageError);
                        }
                    }
                    
                    console.log('User profile loaded from Firebase');
                    return profile;
                }
                return null;
            } catch (error) {
                console.error('Error fetching user profile from Firebase:', error);
                // Don't call getUserInfo() here to avoid infinite recursion
                return null;
            }
        }

                async function saveUserInfo(userInfo) {
            console.log('Saving user info:', userInfo);
            
            // Wait for Storage to be available
            let attempts = 0;
            while (typeof Storage === 'undefined' && attempts < 50) {
                await new Promise(resolve => setTimeout(resolve, 100));
                attempts++;
            }
            
            if (typeof Storage === 'undefined') {
                console.error('Storage not available, cannot save user info');
                throw new Error('Storage not available');
            }
            
            // Save using enhanced Storage system (handles Firestore sync automatically)
            const success = await Storage.set('userProfileInfo', userInfo);
            
            if (success) {
                console.log('User profile saved successfully with cloud sync');
                return true;
            } else {
                console.warn('User profile saved locally but cloud sync may have failed');
                return true; // Still consider it successful since data is saved locally
            }
        }

        async function getUserInfo() {
            console.log('Getting user info...');
            
            // Wait for Storage to be available
            let attempts = 0;
            while (typeof Storage === 'undefined' && attempts < 50) {
                await new Promise(resolve => setTimeout(resolve, 100));
                attempts++;
            }
            
            if (typeof Storage === 'undefined') {
                console.log('Storage not available, cannot get user info');
                return null;
            }
            
            // First try to get from Firebase (most up-to-date)
            if (currentUser) {
                try {
                    console.log('Attempting to get user info from Firebase...');
                    const firebaseProfile = await getUserInfoFromFirebase();
                    if (firebaseProfile) {
                        console.log('User info loaded from Firebase:', firebaseProfile);
                        return firebaseProfile;
                    }
                } catch (error) {
                    console.warn('Failed to fetch from Firebase, using Storage:', error);
                }
            }
            
            // Fall back to Storage
            console.log('Attempting to get user info from Storage...');
            try {
                const stored = await Storage.get('userProfileInfo');
                console.log('User info from Storage:', stored);
                return stored || null;
            } catch (error) {
                console.error('Error getting user info from Storage:', error);
                return null;
            }
        }

        async function checkUserInfo() {
            console.log('Checking user info...');
            try {
                const userInfo = await getUserInfo();
                console.log('User info retrieved:', userInfo);
                
                const hasCompleteInfo = userInfo && 
                    userInfo.fullName && 
                    userInfo.emailAddress && 
                    userInfo.countryCode && 
                    userInfo.phoneNumber;
                
                console.log('User info check result:', hasCompleteInfo);
                console.log('User info details:', {
                    hasUserInfo: !!userInfo,
                    hasFullName: !!(userInfo?.fullName),
                    hasEmail: !!(userInfo?.emailAddress),
                    hasCountryCode: !!(userInfo?.countryCode),
                    hasPhoneNumber: !!(userInfo?.phoneNumber)
                });
                
                return hasCompleteInfo;
            } catch (error) {
                console.error('Error checking user info:', error);
                return false;
            }
        }

        // Initialize the page when DOM is ready
        document.addEventListener('DOMContentLoaded', initializePage);
        
        // Provide module data for the save button system
        window.getFormData = function() {
            const moduleId = getModuleId();
            const moduleData = getModuleData(moduleId);
            
            return {
                moduleId: moduleId,
                moduleData: moduleData,
                currentUser: currentUser,
                userEmail: currentUser?.email,
                moduleTitle: moduleData?.title || 'Unknown Module',
                progress: 'in-progress',
                timestamp: new Date().toISOString()
            };
        };

    </script>
</body>
</html>