/* Loan Calculators — shared stylesheet. No framework, no build step. */
:root{
  --paper:#FBF9F4;      /* warm white page */
  --ink:#1C2430;        /* deep ink text */
  --ink-2:#4A5563;      /* secondary text */
  --line:#E3DED3;       /* rules */
  --ledger:#0F5C4A;     /* ledger green — savings, primary */
  --ledger-soft:#E4F0EA;
  --amber:#B4640A;      /* costs, cautions */
  --amber-soft:#FBEBD2;
  --card:#FFFFFF;
  --focus:#2B6CB0;
  --radius:14px;
  --font-display:"Fraunces",Georgia,"Times New Roman",serif;
  --font-body:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
@media (prefers-color-scheme:dark){
  :root{
    --paper:#151A21;--ink:#F1EEE6;--ink-2:#AEB5BF;--line:#2A323D;
    --ledger:#5FC6A3;--ledger-soft:#173A31;--amber:#F0A43C;--amber-soft:#3D2A10;
    --card:#1D242E;--focus:#7FB3F5;
  }
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.55;}
a{color:var(--ledger)}
h1,h2,h3{font-family:var(--font-display);font-weight:500;line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2rem);margin-top:2.2em}
h3{font-size:1.2rem}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.site-header{display:flex;justify-content:space-between;align-items:center;padding:18px 0;border-bottom:1px solid var(--line)}
.brand{font-family:var(--font-display);font-size:1.25rem;text-decoration:none;color:var(--ink)}
.site-header nav a{color:var(--ink-2);text-decoration:none;font-size:.95rem}
.site-header nav a:hover{color:var(--ink)}
.hero{padding:44px 0 20px}
.hero p{font-size:1.1rem;color:var(--ink-2)}
.crumbs{font-size:.85rem;color:var(--ink-2);margin-bottom:14px}
.crumbs a{color:inherit}

/* ===== Calculator ===== */
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);overflow:hidden;box-shadow:0 1px 0 rgba(28,36,48,.04)}
.calc-inputs{padding:26px 24px;border-right:1px solid var(--line)}
.calc-results{padding:26px 24px;background:linear-gradient(180deg,var(--card),var(--paper));display:flex;flex-direction:column;justify-content:center}
.field{margin-bottom:18px;min-width:0}
.field label{display:block;font-size:.9rem;color:var(--ink-2);margin-bottom:6px}
.field .help{display:block;font-size:.8rem;color:var(--ink-2);margin-top:4px;opacity:.85}
.input{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:var(--card);height:46px;transition:border-color .15s,box-shadow .15s}
.input:focus-within{border-color:var(--focus);box-shadow:0 0 0 3px color-mix(in srgb,var(--focus) 22%,transparent)}
.input .affix{padding:0 12px;color:var(--ink-2);font-size:.95rem;white-space:nowrap}
.input input,.input select{flex:1;min-width:0;border:0;background:transparent;font:inherit;font-size:1.05rem;color:var(--ink);padding:0 12px;height:100%;outline:none;font-variant-numeric:tabular-nums}
.input input:first-child{padding-left:14px}
.input select{appearance:none;-webkit-appearance:none;cursor:pointer}
input[type=range]{width:100%;margin:10px 0 0;accent-color:var(--ledger)}
.group-title{font-family:var(--font-display);font-size:1.05rem;margin:22px 0 12px;padding-top:16px;border-top:1px dashed var(--line)}
.group-title:first-child{border:0;padding-top:0;margin-top:0}
.row2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px;align-items:end}
.row3{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr) minmax(0,1fr);gap:10px;align-items:end}
.mini{display:none}

.primary{margin-bottom:18px}
.primary .label{font-size:.95rem;color:var(--ink-2)}
.primary .value{font-family:var(--font-display);font-size:clamp(2.4rem,6vw,3.6rem);line-height:1.05;letter-spacing:-.02em;font-variant-numeric:tabular-nums;color:var(--ledger);transition:color .2s}
.primary .value.cost{color:var(--amber)}
.primary .note{font-size:.95rem;color:var(--ink-2);margin-top:6px}
.secondary{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px 18px;margin:0 0 20px;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.secondary div{min-width:0}
.secondary .k{font-size:.8rem;color:var(--ink-2);display:block}
.secondary .v{font-size:1.15rem;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.secondary .v.good{color:var(--ledger)}
.secondary .v.bad{color:var(--amber)}
.chart svg{width:100%;height:auto;display:block}
.chart .axis{stroke:var(--line);stroke-width:1}
.chart .lbl{fill:var(--ink-2);font-size:13px;font-family:var(--font-body)}
.chart .legend{display:flex;gap:16px;font-size:.85rem;color:var(--ink-2);margin-top:8px;flex-wrap:wrap}
.chart .legend i{display:inline-block;width:12px;height:3px;border-radius:2px;margin-right:6px;vertical-align:middle}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.btn{font:inherit;font-size:.92rem;padding:9px 14px;border-radius:9px;border:1px solid var(--line);background:var(--card);color:var(--ink);cursor:pointer}
.btn:hover{border-color:var(--ink-2)}
.btn.primary-btn{background:var(--ledger);border-color:var(--ledger);color:#fff}
.btn:focus-visible,.input input:focus-visible,a:focus-visible{outline:2px solid var(--focus);outline-offset:2px}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(20px);background:var(--ink);color:var(--paper);padding:10px 16px;border-radius:10px;font-size:.92rem;opacity:0;transition:opacity .2s,transform .2s;pointer-events:none;z-index:50}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}

/* modal */
.modal{position:fixed;inset:0;background:rgba(20,26,33,.55);display:none;align-items:center;justify-content:center;padding:20px;z-index:40}
.modal.open{display:flex}
.modal-card{background:var(--card);border-radius:var(--radius);max-width:560px;width:100%;padding:24px;border:1px solid var(--line)}
.modal-card h3{margin-top:0}
.modal-card textarea{width:100%;height:150px;font:13px/1.45 ui-monospace,SFMono-Regular,Menlo,monospace;border:1px solid var(--line);border-radius:10px;padding:12px;background:var(--paper);color:var(--ink);resize:vertical}
.modal-card .actions{justify-content:flex-end}

/* ===== Content ===== */
.content{padding:10px 0 40px}
.content ol,.content ul{padding-left:1.2em;max-width:68ch}
.content li{margin-bottom:.5em}
.example{background:var(--ledger-soft);border-left:4px solid var(--ledger);padding:16px 18px;border-radius:0 10px 10px 0;max-width:68ch}
.example p:last-child{margin:0}
details{border-top:1px solid var(--line);padding:14px 0;max-width:68ch}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--ink-2);font-weight:400}
details[open] summary::after{content:"–"}
details p{margin:10px 0 0;color:var(--ink-2)}
.related{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;margin:0;padding:0;list-style:none}
.related a{display:block;padding:16px;border:1px solid var(--line);border-radius:12px;background:var(--card);color:var(--ink);text-decoration:none}
.related a:hover{border-color:var(--ledger)}
.related strong{display:block;font-family:var(--font-display);font-weight:500;font-size:1.05rem;margin-bottom:4px}
.related span{font-size:.9rem;color:var(--ink-2)}
.site-footer{border-top:1px solid var(--line);padding:26px 0 40px;font-size:.85rem;color:var(--ink-2)}
.site-footer p{max-width:80ch}

/* index */
.hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px;list-style:none;padding:0;margin:20px 0 40px}
.hub-grid a{display:block;padding:20px;border:1px solid var(--line);border-radius:12px;background:var(--card);text-decoration:none;color:var(--ink);height:100%}
.hub-grid a:hover{border-color:var(--ledger)}
.hub-grid strong{font-family:var(--font-display);font-weight:500;font-size:1.2rem;display:block;margin-bottom:6px}
.hub-grid span{color:var(--ink-2);font-size:.92rem}

/* embed mode */
body.embed{background:transparent}
body.embed .calc{box-shadow:none}
.attribution{font-size:.8rem;color:var(--ink-2);text-align:right;padding:8px 4px}
.attribution a{color:inherit}

@media (max-width:820px){
  .calc{grid-template-columns:minmax(0,1fr)}
  .calc-inputs,.calc-results{min-width:0;max-width:100%}
  .calc-results{order:-1;border-bottom:1px solid var(--line)}
  .calc-inputs{border-right:0}
  .mini{display:flex;justify-content:space-between;align-items:baseline;gap:12px;position:sticky;top:0;z-index:5;margin:-26px -24px 18px;padding:12px 24px;background:var(--card);border-bottom:1px solid var(--line)}
  .mini .k{font-size:.85rem;color:var(--ink-2)}
  .mini .v{font-family:var(--font-display);font-size:1.5rem;color:var(--ledger);font-variant-numeric:tabular-nums}
  .row3 .field label{font-size:.8rem}
  .row3 .input .affix{padding:0 8px}
  .row3 .input input{padding:0 6px}
}
@media (max-width:480px){
  body{font-size:16px}
  .calc-inputs,.calc-results{padding:20px 16px}
  .mini{margin:-20px -16px 16px;padding:10px 16px}
  .row2{grid-template-columns:1fr}
  .secondary{grid-template-columns:1fr 1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}