:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --text: #10213a;
  --muted: #5f6b7a;
  --primary: #1b63f0;
  --primary-dark: #144fc1;
  --border: #dce4f0;
  --success: #1f8b4d;
  --radius: 14px;
  --shadow: 0 10px 24px rgba(20, 40, 70, 0.08);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Inter, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.5;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1120px, 92%);
  margin: 0 auto;
}

.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 68px;
  gap: 1rem;
}

.brand {
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 0.2px;
}

.menu {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

.menu a {
  color: var(--muted);
  font-weight: 500;
}

.menu a[aria-current="page"] {
  color: var(--primary);
}

.hero {
  padding: 3.5rem 0;
}

.hero-grid,
.calculator-layout,
.placeholder-grid {
  display: grid;
  gap: 1.2rem;
}

.hero h1 {
  margin: 0.3rem 0 0.7rem;
  font-size: clamp(1.7rem, 4.2vw, 2.6rem);
  line-height: 1.2;
}

.eyebrow {
  margin: 0;
  color: var(--primary);
  font-size: 0.84rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
}

.hero-copy,
.page-title p,
.muted {
  color: var(--muted);
}

.hero-actions {
  margin-top: 1.2rem;
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
}

.btn {
  border: 1px solid transparent;
  border-radius: 10px;
  padding: 0.65rem 1rem;
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.15s ease;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
}

.btn-primary:hover {
  background: var(--primary-dark);
}

.btn-ghost {
  background: #fff;
  color: var(--text);
  border-color: var(--border);
}

.btn-ghost:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.2rem;
}

.feature-list {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--muted);
}

.section-space {
  padding: 2rem 0 3rem;
}

.page-title h1 {
  margin: 0.3rem 0;
}

.field {
  display: grid;
  gap: 0.48rem;
  margin-bottom: 1rem;
}

.advanced-payments {
  margin-top: 0.4rem;
}

.advanced-panel {
  max-height: 0;
  opacity: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, opacity 0.25s ease;
}

.advanced-panel.is-open {
  max-height: 460px;
  opacity: 1;
  margin-top: 0.8rem;
}

label {
  font-size: 0.92rem;
  font-weight: 600;
}

input[type="number"],
select {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: #fff;
  padding: 0.6rem 0.65rem;
  font-size: 0.95rem;
}

input[type="range"] {
  width: 100%;
}

.input-with-prefix {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: #fff;
}

.input-with-prefix span {
  padding-left: 0.65rem;
  color: var(--muted);
}

.input-with-prefix input {
  border: 0;
  background: transparent;
}

.term-group {
  display: grid;
  grid-template-columns: 1fr 120px;
  gap: 0.6rem;
}

.result-grid {
  margin: 0;
  display: grid;
  gap: 1rem;
}

.result-grid dt {
  color: var(--muted);
  font-size: 0.9rem;
}

.result-grid dd {
  margin: 0.12rem 0 0;
  font-size: 1.35rem;
  font-weight: 700;
}

.share-tools {
  margin-top: 1.3rem;
  border-top: 1px solid var(--border);
  padding-top: 1rem;
}

.share-tools h3 {
  margin: 0 0 0.7rem;
  font-size: 1rem;
}

.share-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
}

.copy-feedback {
  min-height: 1.2rem;
  margin: 0.7rem 0 0;
  color: var(--success);
  font-size: 0.88rem;
}

.comparison-grid {
  margin-top: 1.1rem;
  display: grid;
  gap: 0.8rem;
}

.comparison-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.7rem 0.8rem;
  background: #f8fbff;
}

.comparison-card p {
  margin: 0.25rem 0;
}

.savings-banner {
  margin-top: 1.2rem;
  border-color: #c9e5d3;
  background: #f0faf4;
  color: #1f5e37;
}

.share-toast {
  position: fixed;
  right: 1rem;
  bottom: 1rem;
  z-index: 20;
  padding: 0.7rem 0.95rem;
  background: #0f5132;
  color: #fff;
  border-radius: 10px;
  box-shadow: var(--shadow);
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.share-toast.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.share-modal {
  position: fixed;
  inset: 0;
  background: rgba(16, 33, 58, 0.55);
  display: grid;
  place-items: center;
  padding: 1rem;
  z-index: 25;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
}

.share-modal.is-open {
  opacity: 1;
  pointer-events: auto;
}

.share-modal-card {
  width: min(560px, 100%);
}

.share-modal-card h3 {
  margin-top: 0;
}

.share-modal-card input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.6rem 0.65rem;
  font-size: 0.9rem;
  margin-bottom: 0.85rem;
}

.amortization-card {
  margin-top: 1.2rem;
}

.charts-section {
  margin-top: 1.2rem;
}

.charts-section .page-title {
  margin-bottom: 0.8rem;
}

.charts-section .page-title h2 {
  margin: 0.2rem 0 0;
}

.chart-grid {
  display: grid;
  gap: 1rem;
}

.chart-card h3 {
  margin: 0 0 0.8rem;
  font-size: 1.02rem;
}

.chart-wrap {
  position: relative;
  width: 100%;
  min-height: 260px;
}

.chart-wrap canvas {
  width: 100% !important;
  height: 260px !important;
}

.amortization-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  flex-wrap: wrap;
}

.amortization-header h2 {
  margin: 0;
}

.schedule-panel {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.35s ease, opacity 0.25s ease;
}

.schedule-panel.is-open {
  max-height: 2400px;
  opacity: 1;
  margin-top: 1rem;
}

.amortization-summary {
  display: grid;
  gap: 0.65rem;
}

.summary-item {
  border: 1px solid var(--border);
  background: #f9fbff;
  border-radius: 10px;
  padding: 0.7rem 0.8rem;
  display: grid;
  gap: 0.2rem;
}

.summary-item span {
  color: var(--muted);
  font-size: 0.85rem;
}

.summary-item strong {
  font-size: 1rem;
}

.schedule-actions {
  margin-top: 1rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.schedule-table-wrap {
  margin-top: 1rem;
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: 10px;
}

.schedule-table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
  background: #fff;
}

.schedule-table th,
.schedule-table td {
  padding: 0.62rem 0.7rem;
  border-bottom: 1px solid var(--border);
  text-align: right;
  white-space: nowrap;
  font-size: 0.9rem;
}

.schedule-table th:first-child,
.schedule-table td:first-child {
  text-align: left;
}

.schedule-table thead th {
  background: #f2f6fd;
  color: #344a67;
  font-weight: 700;
}

.schedule-table tbody tr:first-child {
  background: #eef5ff;
}

.schedule-table tbody tr.payoff-row {
  background: #e8f8ef;
}

.schedule-table tbody tr.extra-row td:first-child::after {
  content: "  Extra";
  color: var(--primary);
  font-size: 0.78rem;
  font-weight: 700;
  margin-left: 0.35rem;
}

#affordabilityWarning.warning {
  color: #9b1c1c;
  font-weight: 600;
}

.interest-bar-row {
  display: grid;
  grid-template-columns: 170px 1fr;
  gap: 0.7rem;
  align-items: center;
  margin-top: 0.6rem;
}

.interest-bar-row span {
  color: var(--muted);
  font-size: 0.88rem;
}

.interest-bar-track {
  height: 12px;
  border-radius: 999px;
  background: #e6edf7;
  overflow: hidden;
}

.interest-bar-fill {
  height: 100%;
  background: var(--primary);
}

.interest-bar-fill.danger {
  background: #b7791f;
}

.blog-grid,
.tool-grid,
.related-tools-grid {
  display: grid;
  gap: 1rem;
}

.blog-card h2,
.tool-card h2 {
  margin: 0 0 0.35rem;
}

.blog-card h3 {
  margin: 0.25rem 0 0.4rem;
}

.blog-meta {
  color: var(--muted);
  font-size: 0.9rem;
}

.blog-toolbar {
  display: grid;
  gap: 0.8rem;
  margin-bottom: 1rem;
}

.blog-toolbar input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.65rem 0.75rem;
  font-size: 0.94rem;
}

.filter-chips {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.filter-chip {
  border: 1px solid var(--border);
  background: #fff;
  color: var(--muted);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
}

.filter-chip.is-active {
  border-color: var(--primary);
  color: var(--primary);
  background: #eff5ff;
}

.featured-grid .blog-card {
  border-color: #cdddf7;
  background: linear-gradient(180deg, #f8fbff 0%, #ffffff 100%);
}

.article-layout {
  display: grid;
  gap: 1rem;
}

.article-meta {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 0.9rem;
}

.toc-list {
  margin: 0;
  padding-left: 1.15rem;
}

.article-body h2 {
  margin: 1.3rem 0 0.5rem;
}

.article-body p {
  margin: 0 0 0.95rem;
  color: #253b59;
}

.faq-list details {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.6rem 0.8rem;
  margin-bottom: 0.6rem;
  background: #fff;
}

.site-footer {
  border-top: 1px solid var(--border);
  background: var(--surface);
  margin-top: 2.5rem;
}

.footer-content {
  min-height: 62px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  color: var(--muted);
  font-size: 0.9rem;
}

.footer-links {
  display: flex;
  gap: 0.9rem;
}

@media print {
  body {
    background: #fff;
    color: #000;
  }

  .site-header,
  .site-footer,
  .share-tools,
  .share-toast,
  .share-modal,
  .advanced-payments,
  .schedule-actions,
  .btn {
    display: none !important;
  }

  .card {
    box-shadow: none;
    border-color: #bbb;
    break-inside: avoid;
  }

  .schedule-panel {
    max-height: none !important;
    opacity: 1 !important;
    overflow: visible !important;
  }

  .schedule-table-wrap {
    overflow: visible;
  }
}

@media (min-width: 768px) {
  .hero-grid {
    grid-template-columns: 1.25fr 0.9fr;
    align-items: center;
  }

  .calculator-layout {
    grid-template-columns: 1.12fr 0.88fr;
    align-items: start;
  }

  .blog-grid,
  .tool-grid,
  .related-tools-grid,
  .placeholder-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .featured-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .chart-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .amortization-summary {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .comparison-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}