@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@400;500;600&family=Manrope:wght@400;500;600;700&family=Syne:wght@500;600;700;800&display=swap');

:root {
  --ink: #071018;
  --ink-soft: #3d4a55;
  --paper: #f3f1eb;
  --paper-raised: #fffcf7;
  --line: #d9d3c6;
  --brass: #b8954a;
  --brass-soft: #e8d5a3;
  --teal: #0f6b5c;
  --teal-deep: #0a4a40;
  --principal: #0f6b5c;
  --interest: #b85a32;
  --danger: #8c2f2f;
  --gold: var(--brass);
  --gold-soft: var(--brass-soft);
  --sidebar: #071018;
  --glow: rgba(184, 149, 74, 0.35);
  --radius: 4px;
  --shadow: 0 18px 50px rgba(7, 16, 24, 0.08);
}

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

html { scroll-behavior: smooth; }

body {
  background:
    radial-gradient(1200px 600px at 10% -10%, rgba(184, 149, 74, 0.12), transparent 60%),
    radial-gradient(900px 500px at 100% 0%, rgba(15, 107, 92, 0.08), transparent 55%),
    var(--paper);
  color: var(--ink);
  font-family: 'Manrope', sans-serif;
  min-height: 100vh;
}

.app {
  display: grid;
  grid-template-columns: 300px 1fr;
  min-height: 100vh;
}

.main-wrap {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.sidebar {
  background:
    linear-gradient(165deg, #0c1822 0%, #071018 45%, #0a221c 100%);
  color: var(--paper-raised);
  padding: 2rem 1.5rem 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  position: sticky;
  top: 0;
  height: 100vh;
  overflow-y: auto;
  border-right: 1px solid rgba(232, 213, 163, 0.12);
}

.brand {
  font-family: 'Syne', sans-serif;
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255, 252, 247, 0.12);
  animation: brandIn 0.7s ease both;
}
.brand a {
  color: inherit;
  text-decoration: none;
}
.brand span {
  display: block;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brass-soft);
  margin-top: 0.55rem;
  font-weight: 500;
}

.steps { list-style: none; display: flex; flex-direction: column; gap: 0.2rem; }
.step {
  display: flex;
  align-items: baseline;
  gap: 0.75rem;
  padding: 0.8rem 0.65rem;
  cursor: pointer;
  border-radius: var(--radius);
  transition: background 0.2s ease, transform 0.2s ease, opacity 0.2s ease;
  opacity: 0.55;
}
.step:hover {
  background: rgba(255, 252, 247, 0.06);
  opacity: 0.85;
  transform: translateX(2px);
}
.step.active {
  opacity: 1;
  background: linear-gradient(90deg, rgba(184, 149, 74, 0.18), rgba(255, 252, 247, 0.04));
  box-shadow: inset 2px 0 0 var(--brass);
}
.step-no {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.72rem;
  color: var(--brass-soft);
  min-width: 1.6rem;
}
.step-label { font-size: 0.9rem; font-weight: 600; }

.sidebar-foot {
  margin-top: auto;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.65rem;
  line-height: 1.65;
  color: rgba(255, 252, 247, 0.42);
  border-top: 1px solid rgba(255, 252, 247, 0.12);
  padding-top: 1.1rem;
}

.main {
  padding: 2.75rem 3.5rem 4rem;
  max-width: 880px;
  animation: riseIn 0.45s ease both;
}

.eyebrow {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 0.65rem;
}

h1 {
  font-family: 'Syne', sans-serif;
  font-size: clamp(1.85rem, 3vw, 2.55rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.12;
  margin-bottom: 0.55rem;
}

.sub {
  color: var(--ink-soft);
  font-size: 1.02rem;
  max-width: 52ch;
  margin-bottom: 2rem;
  line-height: 1.55;
}

.panel {
  background: var(--paper-raised);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  padding: 1.75rem;
}
.field { display: flex; flex-direction: column; gap: 0.4rem; }
.field.full { grid-column: 1 / -1; }

label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-soft);
}

.input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.input-wrap:focus-within {
  border-color: var(--brass);
  box-shadow: 0 0 0 3px var(--glow);
}
.input-wrap span {
  padding: 0.7rem 0.7rem;
  background: var(--paper);
  color: var(--ink-soft);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.88rem;
  border-right: 1px solid var(--line);
}
.input-wrap span:last-child:not(:first-child) {
  border-right: none;
  border-left: 1px solid var(--line);
}

input, select {
  border: none;
  outline: none;
  padding: 0.7rem 0.8rem;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.95rem;
  width: 100%;
  background: transparent;
  color: var(--ink);
}
input:focus, select:focus { background: rgba(232, 213, 163, 0.25); }

.actions {
  padding: 1.25rem 1.75rem 1.75rem;
  display: flex;
  justify-content: flex-end;
  gap: 0.75rem;
  flex-wrap: wrap;
  border-top: 1px solid var(--line);
  background: linear-gradient(180deg, transparent, rgba(243, 241, 235, 0.65));
}

button {
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.85rem 1.45rem;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}
button:hover { transform: translateY(-1px); }
.btn-primary {
  background: var(--ink);
  color: var(--paper-raised);
}
.btn-primary:hover { background: var(--teal-deep); }
.btn-ghost {
  background: transparent;
  border-color: var(--line);
  color: var(--ink);
}
.btn-ghost:hover { border-color: var(--ink); }
button:focus-visible { outline: 2px solid var(--brass); outline-offset: 2px; }

.headline-figure {
  padding: 2.25rem 1.75rem 1.75rem;
  border-bottom: 1px solid var(--line);
  background:
    linear-gradient(135deg, rgba(15, 107, 92, 0.06), transparent 55%),
    var(--paper-raised);
}
.headline-figure .label {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-soft);
  margin-bottom: 0.4rem;
}
.headline-figure .value {
  font-family: 'Syne', sans-serif;
  font-size: clamp(2.4rem, 5vw, 3.35rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--ink);
  animation: figurePop 0.55s cubic-bezier(0.2, 0.8, 0.2, 1) both;
}
.headline-figure .value small {
  font-family: 'Manrope', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--ink-soft);
}

.breakdown { padding: 1.75rem; }
.bar {
  display: flex;
  height: 30px;
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 1.5rem;
  border: 1px solid var(--line);
}
.bar .seg { height: 100%; transition: width 0.6s ease; }

.legend { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-bottom: 1.75rem; }
.legend-item { display: flex; align-items: center; gap: 0.5rem; font-size: 0.88rem; }
.swatch { width: 11px; height: 11px; border-radius: 2px; flex-shrink: 0; }

.line-item {
  display: flex;
  justify-content: space-between;
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--line);
  font-size: 0.95rem;
}
.line-item:last-child { border-bottom: none; font-weight: 700; }
.line-item .num { font-family: 'IBM Plex Mono', monospace; }

.ledger-table-wrap { max-height: 480px; overflow-y: auto; border-top: 1px solid var(--line); }
table {
  width: 100%;
  border-collapse: collapse;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.82rem;
}
thead th {
  position: sticky;
  top: 0;
  background: var(--paper-raised);
  text-align: right;
  padding: 0.75rem 1rem;
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--ink-soft);
  border-bottom: 1px solid var(--line);
}
thead th:first-child, tbody td:first-child { text-align: left; }
tbody td { padding: 0.6rem 1rem; text-align: right; border-bottom: 1px solid var(--line); }
tbody tr:hover { background: rgba(15, 107, 92, 0.04); }
.yr-strip {
  display: inline-block;
  width: 60px;
  height: 8px;
  border-radius: 2px;
  overflow: hidden;
  vertical-align: middle;
  margin-right: 0.5rem;
}
.yr-strip span { display: inline-block; height: 100%; }

.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; padding: 1.75rem; }
.compare-col { padding: 1.35rem; }
.compare-col.new {
  background: rgba(232, 213, 163, 0.22);
  border-radius: var(--radius);
  border: 1px solid var(--brass-soft);
}
.compare-col h3 {
  font-family: 'Syne', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.compare-row {
  display: flex;
  justify-content: space-between;
  padding: 0.6rem 0;
  font-size: 0.9rem;
  border-bottom: 1px dashed var(--line);
}
.compare-row .num { font-family: 'IBM Plex Mono', monospace; }

.savings-callout {
  margin: 0 1.75rem 1.75rem;
  padding: 1.5rem;
  background: linear-gradient(135deg, #071018, #0a4a40);
  color: var(--paper-raised);
  border-radius: var(--radius);
}
.savings-callout .label {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--brass-soft);
  margin-bottom: 0.4rem;
}
.savings-callout .value {
  font-family: 'Syne', sans-serif;
  font-size: 1.85rem;
  font-weight: 700;
}

.afford-result { padding: 2rem; text-align: center; }
.afford-result .value {
  font-family: 'Syne', sans-serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--teal);
}
.dti-bar {
  height: 10px;
  border-radius: 5px;
  background: var(--line);
  overflow: hidden;
  margin: 1.5rem auto 0.5rem;
  max-width: 400px;
}
.dti-bar .fill { height: 100%; border-radius: 5px; }
.dti-note { font-size: 0.82rem; color: var(--ink-soft); }

.ad-slot {
  margin: 1.75rem 0;
  min-height: 90px;
  padding: 1.1rem;
  border: 1px dashed rgba(184, 149, 74, 0.45);
  border-radius: var(--radius);
  text-align: center;
  background: linear-gradient(180deg, rgba(255, 252, 247, 0.9), rgba(232, 213, 163, 0.15));
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
}
.ad-slot .ad-label {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brass);
}
.ad-slot .ad-size {
  font-size: 0.78rem;
  color: var(--ink-soft);
}

.article {
  padding: 2.25rem;
  border-top: 1px solid var(--line);
}
.article h2 {
  font-family: 'Syne', sans-serif;
  font-size: 1.28rem;
  font-weight: 700;
  margin-bottom: 0.85rem;
  margin-top: 1.6rem;
  letter-spacing: -0.02em;
}
.article h2:first-child { margin-top: 0; }
.article p {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--ink-soft);
  margin-bottom: 1rem;
  max-width: 70ch;
}
.article ul {
  margin: 0 0 1rem 1.2rem;
  color: var(--ink-soft);
  font-size: 0.95rem;
  line-height: 1.7;
}
.article li { margin-bottom: 0.35rem; }
.article strong { color: var(--ink); font-weight: 700; }

.faq-item { border-bottom: 1px solid var(--line); }
.faq-item:last-child { border-bottom: none; }
.faq-q {
  padding: 1.1rem 0;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-q .mark {
  font-family: 'IBM Plex Mono', monospace;
  color: var(--brass);
  font-size: 1.1rem;
}
.faq-a {
  padding: 0 0 1.1rem;
  color: var(--ink-soft);
  font-size: 0.92rem;
  line-height: 1.65;
  display: none;
  max-width: 65ch;
}
.faq-item.open .faq-a { display: block; }
.faq-item.open .mark { transform: rotate(45deg); }

.draws-panel { padding: 0 1.75rem 1rem; }
.draw-row {
  display: grid;
  grid-template-columns: 100px 1fr 36px;
  gap: 0.75rem;
  align-items: center;
  margin-bottom: 0.6rem;
}
.draw-row .input-wrap { margin: 0; }
.btn-remove {
  width: 36px;
  height: 36px;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: var(--radius);
  cursor: pointer;
  color: var(--danger);
  font-size: 1rem;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0;
}
.btn-remove:hover {
  background: var(--danger);
  color: #fff;
  border-color: var(--danger);
}
.btn-add-row {
  background: transparent;
  border: 1px dashed var(--line);
  color: var(--ink-soft);
  padding: 0.6rem 1rem;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  width: 100%;
  margin-top: 0.4rem;
}
.btn-add-row:hover { border-color: var(--brass); color: var(--ink); }
.draw-hint {
  font-size: 0.75rem;
  color: var(--ink-soft);
  font-family: 'IBM Plex Mono', monospace;
  margin-bottom: 0.75rem;
}
.over-limit-flag { color: var(--danger); font-weight: 700; }

.news-card {
  padding: 1.5rem 1.75rem;
  border-bottom: 1px solid var(--line);
}
.news-card:last-child { border-bottom: none; }
.news-meta {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brass);
  margin-bottom: 0.4rem;
}
.news-card h3 {
  font-family: 'Syne', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
}
.news-card p {
  color: var(--ink-soft);
  font-size: 0.92rem;
  line-height: 1.6;
  margin-bottom: 0.6rem;
  max-width: 65ch;
}
.news-card a {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.78rem;
  color: var(--teal);
  text-decoration: none;
  border-bottom: 1px solid var(--teal);
  padding-bottom: 1px;
}
.news-card a:hover { color: var(--ink); }

.rate-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.rate-strip .rate-cell {
  flex: 1;
  min-width: 130px;
  padding: 1.25rem 1.5rem;
  border-right: 1px solid var(--line);
}
.rate-strip .rate-cell:last-child { border-right: none; }
.rate-cell .label {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
  margin-bottom: 0.3rem;
}
.rate-cell .value {
  font-family: 'Syne', sans-serif;
  font-size: 1.5rem;
  font-weight: 700;
}

.site-footer {
  max-width: 840px;
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--line);
}
.footer-cols {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
.footer-col h4 {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brass);
  margin-bottom: 0.75rem;
}
.footer-col p, .footer-col a {
  font-size: 0.85rem;
  color: var(--ink-soft);
  line-height: 1.6;
}
.footer-col a {
  display: block;
  text-decoration: none;
  margin-bottom: 0.4rem;
  cursor: pointer;
}
.footer-col a:hover { color: var(--ink); }
.footer-legal {
  font-size: 0.75rem;
  color: var(--ink-soft);
  line-height: 1.7;
  padding: 1.5rem 0 3rem;
  border-top: 1px solid var(--line);
}

.legal-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(7, 16, 24, 0.72);
  z-index: 50;
  align-items: center;
  justify-content: center;
  padding: 2rem;
  backdrop-filter: blur(4px);
}
.legal-modal.open { display: flex; }
.legal-modal-inner {
  background: var(--paper-raised);
  max-width: 600px;
  max-height: 80vh;
  overflow-y: auto;
  padding: 2.5rem;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.legal-modal-inner h2 {
  font-family: 'Syne', sans-serif;
  font-size: 1.4rem;
  margin-bottom: 1rem;
}
.legal-modal-inner p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--ink-soft);
  margin-bottom: 1rem;
}
.legal-modal-close {
  margin-top: 1rem;
  background: var(--ink);
  color: var(--paper-raised);
  border: none;
  padding: 0.6rem 1.3rem;
  border-radius: var(--radius);
  cursor: pointer;
  font-weight: 700;
}

.tools-topbar {
  display: none;
}

.ad-anchor {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 40;
  background: rgba(255, 252, 247, 0.96);
  border-top: 1px solid var(--line);
  padding: 0.35rem 1rem;
  backdrop-filter: blur(8px);
}
.ad-anchor .ad-slot {
  margin: 0.35rem auto;
  max-width: 980px;
  min-height: 60px;
}

@keyframes brandIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}
@keyframes riseIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: none; }
}
@keyframes figurePop {
  from { opacity: 0; transform: scale(0.96); }
  to { opacity: 1; transform: none; }
}

@media (max-width: 900px) {
  .app { grid-template-columns: 1fr; }
  .sidebar {
    position: relative;
    height: auto;
    flex-direction: column;
    padding: 1.1rem 1rem;
  }
  .steps {
    flex-direction: row;
    overflow-x: auto;
    gap: 0.15rem;
    padding-bottom: 0.25rem;
  }
  .step { min-width: max-content; }
  .sidebar-foot { display: none; }
  .main { padding: 1.5rem 1.15rem 5.5rem; }
  .field-grid, .compare-grid { grid-template-columns: 1fr; }
  h1 { font-size: 1.7rem; }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .rate-strip { flex-direction: column; }
  .rate-strip .rate-cell {
    border-right: none;
    border-bottom: 1px solid var(--line);
  }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation: none !important;
    transition: none !important;
  }
}