/* Amortization Nerd — styles (light default, opt-in dark, mobile-first) */
:root {
  --bg: #f4f6fb;
  --bg-soft: #eaeef7;
  --card: #ffffff;
  --card-edge: #dde3f0;
  --text: #16203a;
  --text-dim: #5b6685;
  --accent: #0ea56f;
  --accent-soft: rgba(14, 165, 111, .1);
  --accent2: #4d5fd6;
  --accent3: #d98324;
  --accent4: #d6456b;
  --danger: #d6456b;
  --on-accent: #ffffff;
  --radius: 16px;
  --shadow: 0 8px 24px rgba(22, 32, 58, .08);
}
:root[data-theme="dark"] {
  --bg: #0d1220;
  --bg-soft: #131a2c;
  --card: #171f35;
  --card-edge: #232d4a;
  --text: #e8ecf6;
  --text-dim: #9aa5c0;
  --accent: #3ddc97;
  --accent-soft: rgba(61, 220, 151, .12);
  --accent2: #7c8cff;
  --accent3: #ffb454;
  --accent4: #ff6b8b;
  --danger: #ff6b8b;
  --on-accent: #06251a;
  --shadow: 0 8px 30px rgba(0, 0, 0, .35);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: ui-rounded, "SF Pro Rounded", -apple-system, "Segoe UI", Roboto, Inter, system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

/* header */
.site-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 18px; max-width: 1080px; margin: 0 auto;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--text); }
.brand-logo { width: 40px; height: 40px; }
.brand-name { font-size: 1.25rem; font-weight: 800; letter-spacing: -.02em; }
.brand-name em { font-style: normal; color: var(--accent); }
.theme-toggle {
  background: var(--card); color: var(--text); border: 1px solid var(--card-edge);
  border-radius: 50%; width: 38px; height: 38px; font-size: 1.1rem; cursor: pointer;
}
/* dictionary-entry joke */
.dict-entry {
  max-width: 620px; margin: 6px auto 16px; padding: 16px 22px;
  background: var(--card); border: 1px solid var(--card-edge); border-left: 4px solid var(--accent);
  border-radius: 12px; box-shadow: var(--shadow);
  font-family: Georgia, "Times New Roman", serif;
}
.dict-head { margin: 0; }
.dict-word { font-size: 1.35rem; font-weight: 700; letter-spacing: .01em; }
.dict-pron { color: var(--text-dim); font-size: .95rem; }
.dict-pos { font-style: italic; color: var(--text-dim); font-size: .95rem; }
.dict-def { margin: 6px 0 8px; font-size: 1.05rem; }
.dict-def strong { color: var(--accent4); letter-spacing: .04em; }
.dict-ety { margin: 0; font-size: .85rem; color: var(--text-dim); line-height: 1.45; }
@media (max-width: 680px) { .dict-entry { margin-left: 16px; margin-right: 16px; } }

.tagline { text-align: center; margin: 4px 16px 18px; color: var(--text-dim); font-size: 1.02rem; }
.tagline strong { color: var(--accent); }
.tagline-sub { display: block; font-size: .8rem; opacity: .8; margin-top: 2px; }
.tagline-credit { display: block; font-size: .82rem; font-weight: 600; color: var(--text); opacity: .85; margin-top: 6px; }

/* tabs */
.tabs {
  display: flex; gap: 8px; overflow-x: auto; padding: 4px 16px 14px;
  max-width: 1080px; margin: 0 auto; scrollbar-width: none;
}
.tabs::-webkit-scrollbar { display: none; }
.tab {
  flex-shrink: 0; padding: 10px 16px; border-radius: 999px; border: 1px solid var(--card-edge);
  background: var(--card); color: var(--text-dim); font-weight: 600; font-size: .92rem;
  cursor: pointer; transition: all .18s;
}
.tab.active { background: var(--accent); border-color: var(--accent); color: var(--on-accent); }
.tab:not(.active):hover { color: var(--text); border-color: var(--accent); }

main, .content { max-width: 1080px; margin: 0 auto; padding: 0 16px; }

.card {
  background: var(--card); border: 1px solid var(--card-edge);
  border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px;
}

/* payment tool layout */
.tool-grid { display: grid; grid-template-columns: 1fr; gap: 18px; }
@media (min-width: 880px) { .tool-grid { grid-template-columns: 1.4fr 1fr; align-items: start; } .payment-card { position: sticky; top: 16px; } }

.row-between { display: flex; align-items: center; justify-content: space-between; gap: 10px; flex-wrap: wrap; margin-bottom: 18px; }
.segment { display: inline-flex; background: var(--bg-soft); border-radius: 999px; padding: 4px; }
.seg-btn {
  border: 0; background: transparent; color: var(--text-dim); padding: 8px 18px;
  border-radius: 999px; font-weight: 700; font-size: .9rem; cursor: pointer;
}
.seg-btn.active { background: var(--accent); color: var(--on-accent); }
.scenario-chips { display: inline-flex; gap: 6px; }
.chip {
  width: 36px; height: 36px; border-radius: 12px; border: 1px solid var(--card-edge);
  background: var(--bg-soft); color: var(--text-dim); font-weight: 800; cursor: pointer;
}
.chip.active { background: var(--accent2); border-color: var(--accent2); color: #fff; }
.chip.has-data:not(.active) { border-color: var(--accent2); color: var(--accent2); }

/* fields */
.field { display: block; margin-bottom: 14px; }
.field-label { display: block; font-size: .8rem; font-weight: 700; letter-spacing: .02em; color: var(--text-dim); margin-bottom: 6px; text-transform: uppercase; }
.hint { text-transform: none; font-weight: 500; color: var(--accent); }
.input-wrap {
  display: flex; align-items: center; background: var(--bg-soft);
  border: 1.5px solid var(--card-edge); border-radius: 12px; overflow: hidden;
  transition: border-color .15s;
}
.input-wrap:focus-within { border-color: var(--accent); }
.prefix, .suffix { padding: 0 10px; color: var(--text-dim); font-weight: 600; }
.prefix { padding-right: 0; }
input, select {
  width: 100%; border: 0; background: transparent; color: var(--text);
  font: inherit; font-size: 1.05rem; font-weight: 600; padding: 12px 10px; outline: none;
  min-width: 0;
}
select {
  background: var(--bg-soft); border: 1.5px solid var(--card-edge); border-radius: 12px;
  appearance: none; cursor: pointer; padding-right: 28px;
  background-image: linear-gradient(45deg, transparent 50%, var(--text-dim) 50%), linear-gradient(135deg, var(--text-dim) 50%, transparent 50%);
  background-position: calc(100% - 18px) 55%, calc(100% - 13px) 55%;
  background-size: 5px 5px; background-repeat: no-repeat;
}
select:focus { border-color: var(--accent); }
input::placeholder { color: var(--text-dim); opacity: .5; font-weight: 500; }

.linked-grid, .two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 0 12px; }
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 12px; }
@media (max-width: 560px) { .three-col { grid-template-columns: 1fr; } }
.linked-note { font-size: .8rem; color: var(--text-dim); margin: -4px 0 14px; }

/* progressive lock */
.locked { opacity: .38; pointer-events: none; filter: saturate(.5); }
.section-label {
  font-size: .8rem; font-weight: 800; text-transform: uppercase; letter-spacing: .06em;
  color: var(--text-dim); margin: 18px 0 10px; border-top: 1px dashed var(--card-edge); padding-top: 16px;
}
.check { display: flex; align-items: center; gap: 9px; font-size: .95rem; font-weight: 600; margin: 10px 0; cursor: pointer; }
.check input { width: 20px; height: 20px; accent-color: var(--accent); flex-shrink: 0; }
.schedule-check { margin-top: 18px; font-size: 1.02rem; }
.mi-note { font-size: .85rem; color: var(--accent3); background: rgba(255, 180, 84, .09); border-radius: 10px; padding: 9px 12px; }
.mi-note:empty { display: none; }

/* payment card */
.payment-card { text-align: center; }
.payment-label { font-size: .85rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--text-dim); }
.payment-amount { font-size: 2.9rem; font-weight: 900; letter-spacing: -.03em; color: var(--accent); margin: 4px 0 6px; font-variant-numeric: tabular-nums; }
.donut-wrap { width: 130px; margin: 6px auto; }
.donut-wrap:has(svg:empty) { display: none; }
.breakdown { list-style: none; margin: 10px 0 0; padding: 0; text-align: left; }
.breakdown li { display: flex; justify-content: space-between; padding: 7px 4px; font-size: .95rem; border-bottom: 1px solid var(--card-edge); font-variant-numeric: tabular-nums; }
.breakdown li:last-child { border-bottom: 0; }
.breakdown .dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 8px; }
.breakdown .bd-val { font-weight: 700; }
.upfront-note { font-size: .8rem; color: var(--text-dim); margin-top: 10px; text-align: left; }
.upfront-note:empty { display: none; }

.compare-strip { display: grid; gap: 8px; margin-top: 14px; }
.compare-strip:empty { display: none; }
.cmp-mini {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--bg-soft); border-radius: 10px; padding: 8px 12px; font-size: .9rem;
  cursor: pointer; border: 1px solid transparent;
}
.cmp-mini:hover { border-color: var(--accent2); }
.cmp-mini .n { font-weight: 800; color: var(--accent2); }
.cmp-mini .v { font-weight: 800; font-variant-numeric: tabular-nums; }
.cmp-mini .d { color: var(--text-dim); font-size: .8rem; }

/* what-if + schedule */
.whatif-card { margin-top: 18px; }
.whatif-title { font-size: 1.15rem; font-weight: 800; margin: 0 0 4px; }
.whatif-title .q { color: var(--accent3); }
.whatif-sub { color: var(--text-dim); font-size: .9rem; margin: 0 0 16px; }
.whatif-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 0 14px; }
.result-banner {
  display: flex; flex-wrap: wrap; gap: 10px 26px; align-items: baseline;
  background: var(--accent-soft); border: 1px solid var(--accent);
  border-radius: 12px; padding: 14px 16px; margin: 8px 0 16px; font-size: .95rem;
}
.result-banner strong { color: var(--accent); font-size: 1.15rem; }
.result-banner .rb-item { display: flex; flex-direction: column; }
.result-banner .rb-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .05em; color: var(--text-dim); font-weight: 700; }

.stat-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 12px; margin: 16px 0; }
.stat {
  background: var(--card); border: 1px solid var(--card-edge); border-radius: 12px;
  padding: 14px 16px;
}
.stat .s-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .05em; color: var(--text-dim); font-weight: 700; }
.stat .s-value { font-size: 1.45rem; font-weight: 900; font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.stat .s-value.good { color: var(--accent); }
.stat .s-value.warn { color: var(--accent3); }
.stat .s-sub { font-size: .78rem; color: var(--text-dim); }

/* schedule table */
.sched-wrap { margin-top: 14px; }
.table-scroll { overflow-x: auto; border-radius: 12px; border: 1px solid var(--card-edge); }
table.sched, table.info-table, table.mini-table {
  width: 100%; border-collapse: collapse; font-size: .88rem; font-variant-numeric: tabular-nums;
  background: var(--card); min-width: 560px;
}
.sched th, .info-table th, .mini-table th {
  text-align: right; padding: 10px 12px; font-size: .72rem; text-transform: uppercase; letter-spacing: .04em;
  color: var(--text-dim); border-bottom: 1px solid var(--card-edge); position: sticky; top: 0; background: var(--card);
}
.sched th:first-child, .sched td:first-child,
.info-table th:first-child, .info-table td:first-child,
.mini-table th:first-child, .mini-table td:first-child { text-align: left; }
.sched td, .info-table td, .mini-table td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--card-edge); }
.info-table th, .info-table td { text-align: left; }
.sched tr.year-row { background: var(--bg-soft); cursor: pointer; font-weight: 700; }
.sched tr.year-row:hover { background: var(--accent-soft); }
.sched tr.year-row .caret { display: inline-block; transition: transform .15s; margin-right: 6px; color: var(--accent); }
.sched tr.year-row.open .caret { transform: rotate(90deg); }
.sched tr.month-row { cursor: pointer; }
.sched tr.month-row:hover { background: var(--accent-soft); }
.sched tr.month-row.has-extra td { color: var(--accent); font-weight: 700; }
.sched .neg { color: var(--accent4); }
.sched-tip { font-size: .8rem; color: var(--text-dim); margin: 8px 2px; }
.sched-tip .k { color: var(--accent); font-weight: 700; }

/* generic tool pages */
.tool-title { margin: 0 0 4px; font-size: 1.3rem; font-weight: 800; letter-spacing: -.01em; }
.tool-sub { margin: 0 0 18px; color: var(--text-dim); font-size: .93rem; }
.mini-payment { font-size: 1.05rem; font-weight: 700; color: var(--accent); min-height: 1.4em; }
.ghost-btn {
  background: transparent; border: 1.5px dashed var(--card-edge); color: var(--text-dim);
  border-radius: 12px; padding: 10px 16px; font: inherit; font-weight: 700; cursor: pointer; width: 100%;
  margin-bottom: 6px;
}
.ghost-btn:hover { border-color: var(--accent); color: var(--accent); }
.bl-row { display: grid; grid-template-columns: 1.2fr 1fr .8fr 34px; gap: 10px; align-items: end; }
.bl-row .field { margin-bottom: 10px; }
.bl-del { background: transparent; border: 0; color: var(--text-dim); font-size: 1.2rem; cursor: pointer; padding-bottom: 18px; }
.bl-del:hover { color: var(--danger); }
@media (max-width: 560px) { .bl-row { grid-template-columns: 1fr 1fr; } .bl-row .field:first-child { grid-column: 1 / -1; } .bl-del { position: absolute; } }

.big-result { text-align: center; padding: 26px 20px; margin-top: 18px; }
.big-result .br-label { font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; color: var(--text-dim); font-weight: 700; }
.big-result .br-value { font-size: 3rem; font-weight: 900; color: var(--accent); letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.big-result .br-sub { color: var(--text-dim); font-size: .9rem; }

/* svg chart */
.chart-card { margin-top: 16px; padding: 18px; }
.chart-card h3 { margin: 0 0 8px; font-size: 1rem; }
.chart-svg { width: 100%; height: auto; display: block; }
.legend { display: flex; gap: 18px; font-size: .82rem; color: var(--text-dim); margin-top: 6px; flex-wrap: wrap; }
.legend .dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 6px; }

/* content / SEO */
.content { padding-top: 40px; padding-bottom: 10px; }
.death-pledge {
  font-family: Georgia, "Times New Roman", serif; font-size: 1.15rem; line-height: 1.5;
  color: var(--text); background: var(--card); border: 1px solid var(--card-edge);
  border-left: 4px solid var(--accent4); border-radius: 12px; box-shadow: var(--shadow);
  padding: 16px 22px; margin: 0 0 30px; max-width: 640px;
}
.content section { margin-bottom: 34px; }
.content h2 { font-size: 1.35rem; letter-spacing: -.01em; }
.content p { color: var(--text-dim); max-width: 72ch; }
.content strong { color: var(--text); }
details { background: var(--card); border: 1px solid var(--card-edge); border-radius: 12px; padding: 14px 18px; margin-bottom: 10px; }
details summary { font-weight: 700; cursor: pointer; }
details p { margin: 10px 0 2px; }
.site-footer { max-width: 1080px; margin: 0 auto; padding: 26px 16px 46px; color: var(--text-dim); font-size: .82rem; border-top: 1px solid var(--card-edge); }

/* saved scenarios */
.saved-card { margin-top: 18px; }
.saved-row { display: flex; align-items: stretch; gap: 8px; margin-bottom: 8px; }
.saved-load {
  flex: 1; display: flex; justify-content: space-between; align-items: center; gap: 10px;
  background: var(--bg-soft); border: 1px solid var(--card-edge); border-radius: 12px;
  padding: 12px 14px; font: inherit; color: var(--text); cursor: pointer; text-align: left; min-width: 0;
}
.saved-load:hover { border-color: var(--accent); }
.saved-name { font-weight: 800; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.saved-sum { color: var(--text-dim); font-size: .85rem; flex-shrink: 0; font-variant-numeric: tabular-nums; }
.saved-share, .saved-del {
  background: var(--bg-soft); border: 1px solid var(--card-edge); border-radius: 12px;
  width: 44px; font-size: 1rem; cursor: pointer; color: var(--text-dim);
}
.saved-share:hover { border-color: var(--accent2); }
.saved-del:hover { border-color: var(--danger); color: var(--danger); }
@media (max-width: 560px) { .saved-load { flex-wrap: wrap; } .saved-sum { flex-shrink: 1; } }

/* header buttons */
.header-btns { display: flex; gap: 8px; }

/* Ask a Professional CTA */
.ask-cta {
  display: block; width: 100%; max-width: 640px; margin: 0 0 22px; padding: 18px 22px;
  background: linear-gradient(120deg, var(--accent), var(--accent2));
  color: #fff; border: 0; border-radius: 14px; cursor: pointer;
  font: inherit; font-size: 1.25rem; font-weight: 900; letter-spacing: -.01em;
  text-align: left; box-shadow: var(--shadow); transition: transform .12s, box-shadow .12s;
}
.ask-cta:hover { transform: translateY(-2px); box-shadow: 0 12px 34px rgba(0,0,0,.25); }
.ask-click { text-decoration: underline; text-underline-offset: 3px; }
.ask-sub { display: block; font-size: .82rem; font-weight: 600; opacity: .92; margin-top: 6px; }

/* lead modal */
.modal-backdrop {
  position: fixed; inset: 0; background: rgba(8, 12, 24, .62); backdrop-filter: blur(3px);
  display: flex; align-items: center; justify-content: center; z-index: 100; padding: 16px;
}
.modal-backdrop[hidden] { display: none; }
.modal {
  background: var(--card); border: 1px solid var(--card-edge); border-radius: var(--radius);
  box-shadow: 0 18px 60px rgba(0,0,0,.4); padding: 24px; width: 100%; max-width: 520px;
  max-height: 92vh; overflow-y: auto; position: relative;
}
.modal-close {
  position: absolute; top: 12px; right: 12px; width: 34px; height: 34px;
  background: var(--bg-soft); border: 1px solid var(--card-edge); border-radius: 50%;
  color: var(--text-dim); font-size: 1rem; cursor: pointer;
}
.modal-close:hover { color: var(--danger); border-color: var(--danger); }
textarea {
  width: 100%; background: var(--bg-soft); border: 1.5px solid var(--card-edge); border-radius: 12px;
  color: var(--text); font: inherit; font-size: 1rem; padding: 12px; resize: vertical; outline: none;
}
textarea:focus { border-color: var(--accent); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form-error { color: var(--danger); font-size: .88rem; font-weight: 600; min-height: 1.2em; margin: 8px 0; }
.submit-btn {
  width: 100%; padding: 14px; border: 0; border-radius: 12px; cursor: pointer;
  background: var(--accent); color: var(--on-accent); font: inherit; font-size: 1.05rem; font-weight: 800;
}
.submit-btn:disabled { opacity: .45; cursor: not-allowed; }
.lf-thanks { text-align: center; padding: 12px 0; }
.lf-thanks-emoji { font-size: 2.4rem; margin-bottom: 6px; }

.tab-panel { animation: fadein .25s ease; }
@keyframes fadein { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }