/* ============================================================
   Reset & Base
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue:       #1a56db;
  --blue-dark:  #1341b8;
  --blue-light: #ebf0ff;
  --green:      #057a55;
  --green-bg:   #f0fdf4;
  --text:       #111827;
  --muted:      #6b7280;
  --border:     #e5e7eb;
  --bg:         #f9fafb;
  --white:      #ffffff;
  --radius:     8px;
  --shadow:     0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ============================================================
   Header
   ============================================================ */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}

.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: .75rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 2rem;
}

.logo {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--blue);
  white-space: nowrap;
  text-decoration: none;
}
.logo:hover { text-decoration: none; }

.nav {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.nav a {
  font-size: .9rem;
  font-weight: 500;
  color: var(--text);
  white-space: nowrap;
  padding: .25rem 0;
  border-bottom: 2px solid transparent;
  transition: color .15s, border-color .15s;
}
.nav a:hover { color: var(--blue); border-color: var(--blue); text-decoration: none; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  margin-left: auto;
  padding: .25rem .5rem;
}

.ad-banner {
  max-width: 1200px;
  margin: 0 auto;
  padding: .5rem 1.25rem;
  min-height: 90px;
  background: #f3f4f6;
}

/* ============================================================
   Layout
   ============================================================ */
.site-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.5rem 1.25rem 3rem;
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 2rem;
  align-items: start;
}

.main-content { min-width: 0; }

.sidebar {
  position: sticky;
  top: 130px;
}

.ad-sidebar-slot {
  background: #f3f4f6;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: .5rem;
  min-height: 260px;
}

.ad-inline {
  background: #f3f4f6;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: .5rem;
  margin: 2rem 0;
  min-height: 100px;
}

.ad-label {
  font-size: .7rem;
  color: var(--muted);
  text-align: center;
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-bottom: .25rem;
}

/* ============================================================
   Page Hero
   ============================================================ */
.page-hero {
  margin-bottom: 1.75rem;
}

.page-hero h1 {
  font-size: 1.9rem;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: .4rem;
}

.page-hero p {
  color: var(--muted);
  font-size: 1rem;
}

/* ============================================================
   Calculator Card
   ============================================================ */
.calc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.75rem;
  margin-bottom: 2rem;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
}

/* ============================================================
   Form Controls
   ============================================================ */
.field { display: flex; flex-direction: column; gap: .35rem; }

.field label {
  font-size: .85rem;
  font-weight: 600;
  color: var(--text);
}

.field .hint {
  font-size: .75rem;
  color: var(--muted);
  margin-top: -.2rem;
}

.input-wrap {
  position: relative;
}

.input-wrap .prefix,
.input-wrap .suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  font-size: .9rem;
  pointer-events: none;
}

.input-wrap .prefix { left: .75rem; }
.input-wrap .suffix { right: .75rem; }

.input-wrap input,
.input-wrap select {
  width: 100%;
  padding: .6rem .75rem;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: .95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color .15s, box-shadow .15s;
  -moz-appearance: textfield;
}

.input-wrap input::-webkit-inner-spin-button,
.input-wrap input::-webkit-outer-spin-button { -webkit-appearance: none; }

.input-wrap input:focus,
.input-wrap select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,.15);
}

.input-wrap.has-prefix input { padding-left: 1.75rem; }
.input-wrap.has-suffix input { padding-right: 2.5rem; }

input[type="range"] {
  width: 100%;
  accent-color: var(--blue);
  cursor: pointer;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
  display: inline-block;
  padding: .65rem 1.5rem;
  border-radius: 6px;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: background .15s, transform .1s;
}

.btn:active { transform: scale(.98); }

.btn-primary {
  background: var(--blue);
  color: var(--white);
}

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

.btn-row {
  grid-column: 1 / -1;
  display: flex;
  gap: 1rem;
  margin-top: .5rem;
}

/* ============================================================
   Results
   ============================================================ */
.results {
  display: none;
  margin-top: 1.75rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
}

.results.visible { display: block; }

.result-highlight {
  background: var(--blue-light);
  border: 1px solid #c3d1f7;
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.result-highlight .big-number {
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--blue);
  line-height: 1;
}

.result-highlight .big-label {
  font-size: .85rem;
  color: var(--blue-dark);
  font-weight: 500;
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.result-item {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: .9rem 1rem;
}

.result-item .val {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
}

.result-item .lbl {
  font-size: .78rem;
  color: var(--muted);
  margin-top: .2rem;
}

.result-item.good .val { color: var(--green); }

/* Pie chart (SVG) */
.piti-chart {
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
  margin: 1.25rem 0;
}

.piti-legend { display: flex; flex-direction: column; gap: .5rem; }
.legend-item { display: flex; align-items: center; gap: .5rem; font-size: .85rem; }
.legend-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; }

/* ============================================================
   Amortization Table
   ============================================================ */
.amort-controls {
  display: flex;
  gap: 1rem;
  align-items: center;
  margin-bottom: 1rem;
  flex-wrap: wrap;
}

.toggle-btn {
  background: var(--bg);
  border: 1px solid var(--border);
  padding: .35rem .85rem;
  border-radius: 6px;
  font-size: .85rem;
  cursor: pointer;
  font-weight: 500;
}
.toggle-btn.active {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  max-height: 480px;
  overflow-y: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}

thead th {
  background: #f1f5f9;
  padding: .6rem .9rem;
  text-align: right;
  font-weight: 600;
  font-size: .8rem;
  color: var(--muted);
  position: sticky;
  top: 0;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}

thead th:first-child { text-align: left; }

tbody tr:nth-child(even) { background: #f9fafb; }
tbody tr:hover { background: var(--blue-light); }

tbody td {
  padding: .5rem .9rem;
  text-align: right;
  border-bottom: 1px solid #f3f4f6;
}

tbody td:first-child { text-align: left; font-weight: 500; }

.year-row td {
  background: #e8eeff !important;
  font-weight: 700;
  cursor: pointer;
}

.year-row:hover td { background: #d5e0ff !important; }

/* ============================================================
   SEO Content Block
   ============================================================ */
.seo-content {
  margin-top: 2rem;
  font-size: .95rem;
  line-height: 1.7;
  color: var(--text);
}

.seo-content h2 {
  font-size: 1.3rem;
  font-weight: 700;
  margin: 1.5rem 0 .6rem;
}

.seo-content h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin: 1.25rem 0 .5rem;
}

.seo-content p { margin-bottom: .85rem; }

.seo-content ul {
  padding-left: 1.25rem;
  margin-bottom: .85rem;
}

.seo-content ul li { margin-bottom: .4rem; }

/* ============================================================
   Homepage Cards
   ============================================================ */
.home-hero {
  margin-bottom: 2rem;
}

.home-hero h1 {
  font-size: 2.2rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: .6rem;
}

.home-hero p {
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 600px;
}

.calc-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
  margin-top: 2rem;
}

.calc-card-link {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  display: block;
  color: var(--text);
  text-decoration: none;
  transition: border-color .15s, box-shadow .15s, transform .15s;
}

.calc-card-link:hover {
  border-color: var(--blue);
  box-shadow: 0 4px 12px rgba(26,86,219,.12);
  transform: translateY(-2px);
  text-decoration: none;
}

.calc-card-link .icon { font-size: 2rem; margin-bottom: .75rem; }
.calc-card-link h2 { font-size: 1.1rem; font-weight: 700; margin-bottom: .4rem; }
.calc-card-link p { font-size: .875rem; color: var(--muted); line-height: 1.5; }
.card-icon { margin-bottom: .85rem; }
.card-cta { display: inline-block; margin-top: .85rem; font-size: .85rem; font-weight: 600; color: var(--blue); }

/* Stat banner */
.stat-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin-bottom: .5rem;
  flex-wrap: wrap;
  gap: 1rem;
}
.stat-item { text-align: center; padding: 0 1.25rem; }
.stat-number { display: block; font-size: 1.75rem; font-weight: 800; color: var(--blue); line-height: 1; }
.stat-label { display: block; font-size: .78rem; color: var(--muted); margin-top: .25rem; text-transform: uppercase; letter-spacing: .04em; }
.stat-divider { width: 1px; height: 2.5rem; background: var(--border); }

/* Logo SVG */
.logo { display: flex; align-items: center; gap: .45rem; }
.logo svg { flex-shrink: 0; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer {
  background: var(--white);
  border-top: 1px solid var(--border);
  margin-top: 2rem;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.5rem 1.25rem;
  text-align: center;
}

.footer-links {
  display: flex;
  gap: 1.25rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: .75rem;
}

.footer-links a { font-size: .875rem; color: var(--muted); }
.footer-links a:hover { color: var(--blue); }

.footer-cols {
  display: flex;
  gap: 3rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1.25rem;
  text-align: left;
}

.footer-col { display: flex; flex-direction: column; gap: .4rem; min-width: 130px; }
.footer-col-title { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--text); margin-bottom: .25rem; }
.footer-col a { font-size: .875rem; color: var(--muted); }
.footer-col a:hover { color: var(--blue); text-decoration: none; }

/* Contact form */
.contact-wrap { max-width: 560px; }
.contact-wrap > p { color: var(--muted); margin-bottom: 1.5rem; }
.contact-note { margin-top: 1rem; font-size: .85rem; color: var(--muted); }
.contact-form { margin-top: 0; }
.contact-form textarea { width: 100%; padding: .6rem .75rem; border: 1px solid var(--border); border-radius: var(--radius); font-size: 1rem; font-family: inherit; resize: vertical; color: var(--text); background: var(--white); transition: border-color .15s, box-shadow .15s; }
.contact-form textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,86,219,.15); }
.hidden { display: none; }

.footer-disclaimer {
  font-size: .78rem;
  color: var(--muted);
  max-width: 700px;
  margin: 0 auto .5rem;
}

.footer-copy { font-size: .78rem; color: var(--muted); }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 900px) {
  .site-wrap {
    grid-template-columns: 1fr;
  }

  .sidebar {
    position: static;
  }

  .ad-sidebar-slot {
    display: none;
  }
}

@media (max-width: 640px) {
  .nav {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 1rem 1.25rem;
    gap: .75rem;
    box-shadow: var(--shadow);
  }

  .nav.open { display: flex; }

  .nav-toggle { display: block; }

  .header-inner { position: relative; }

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

  .page-hero h1 { font-size: 1.5rem; }

  .home-hero h1 { font-size: 1.75rem; }

  .result-highlight .big-number { font-size: 1.8rem; }
}

@media (max-width: 400px) {
  .site-wrap { padding: 1rem .75rem 2rem; }
  .calc-card { padding: 1.25rem 1rem; }
}