/* ============================================================
   Shared styles — Financial Tools site
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&family=Inter:wght@400;500;600&family=Space+Mono:wght@400;700&display=swap');

:root {
  --bg: #F3F5F8;
  --surface: #FFFFFF;
  --sidebar: #FBFCFE;
  --ink: #141925;
  --ink-soft: #3A4252;
  --muted: #6A7384;
  --faint: #98A1B0;
  --line: #E3E7EE;
  --line-soft: #EDF0F4;
  --accent: #1B3B6F;
  --accent-soft: rgba(27, 59, 111, 0.07);
  --gold: #B0822A;
  --live: #1A7F5A;
  --live-soft: rgba(26, 127, 90, 0.10);
  --radius: 6px;
  --sidebar-w: 268px;
}

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

html { scroll-behavior: smooth; }

body {
  background: var(--bg);
  color: var(--ink);
  font-family: 'Inter', system-ui, sans-serif;
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

/* ---------- Layout ---------- */
.layout { display: flex; min-height: 100vh; }

.main {
  flex: 1;
  min-width: 0;
  padding: 56px 56px 80px;
  max-width: 1080px;
}

/* ---------- Sidebar ---------- */
.sidebar {
  width: var(--sidebar-w);
  flex-shrink: 0;
  background: var(--sidebar);
  border-right: 1px solid var(--line);
  padding: 28px 0;
  position: sticky;
  top: 0;
  height: 100vh;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
}

.brand {
  padding: 0 24px 24px;
  border-bottom: 1px solid var(--line-soft);
  margin-bottom: 16px;
}

.brand .mark {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--ink);
  display: block;
}

.brand .tag {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--faint);
  margin-top: 4px;
}

.nav-label {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--faint);
  padding: 0 24px 10px;
}

.nav-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 9px 24px;
  border-left: 2px solid transparent;
  transition: background 0.12s, border-color 0.12s;
}

.nav-item:hover { background: var(--accent-soft); }

.nav-item.active {
  background: var(--accent-soft);
  border-left-color: var(--accent);
}

.nav-item.disabled {
  opacity: 0.5;
  cursor: default;
}
.nav-item.disabled:hover { background: transparent; }

.nav-item .ticker {
  font-family: 'Space Mono', monospace;
  font-size: 11px;
  font-weight: 700;
  color: var(--accent);
  width: 42px;
  flex-shrink: 0;
}
.nav-item.disabled .ticker { color: var(--faint); }

.nav-item .nav-name {
  font-size: 13.5px;
  color: var(--ink-soft);
  flex: 1;
}
.nav-item.active .nav-name { color: var(--ink); font-weight: 500; }

.nav-item .dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--live);
  flex-shrink: 0;
}
.nav-item.disabled .dot { background: var(--line); }

.sidebar-footer {
  margin-top: auto;
  padding: 20px 24px 4px;
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.1em;
  color: var(--faint);
}

/* ---------- Page header ---------- */
.eyebrow {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: inline-block;
  padding: 4px 12px;
  background: rgba(176,130,42,0.08);
  border-radius: 4px;
}

h1 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 42px;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
  color: var(--ink);
}

.lead {
  font-size: 16px;
  color: var(--muted);
  max-width: 620px;
  line-height: 1.6;
}

.page-head {
  margin-bottom: 40px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--line);
}

/* ---------- Catalog (homepage) ---------- */
.section-label {
  font-family: 'Space Mono', monospace;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 18px;
}

.catalog { border-top: 1px solid var(--line); }

.cat-row {
  display: grid;
  grid-template-columns: 54px 80px 1fr auto;
  gap: 20px;
  align-items: center;
  padding: 22px 4px;
  border-bottom: 1px solid var(--line);
  transition: background 0.12s;
}

a.cat-row:hover { background: var(--surface); }

.cat-row .idx {
  font-family: 'Space Mono', monospace;
  font-size: 12px;
  color: var(--faint);
}

.cat-row .tk {
  font-family: 'Space Mono', monospace;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
}
.cat-row.soon .tk { color: var(--faint); }

.cat-row .body .name {
  font-family: 'Fraunces', serif;
  font-size: 19px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 2px;
}

.cat-row .body .desc {
  font-size: 13.5px;
  color: var(--muted);
}

.badge {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
  white-space: nowrap;
}
.badge.live { color: var(--live); background: var(--live-soft); }
.badge.soon { color: var(--faint); background: var(--line-soft); }

/* ---------- Calculator UI ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 36px;
  align-items: start;
}

.panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 28px 26px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.03);
  position: sticky;
  top: 20px;
}

.panel-label {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 22px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.field { margin-bottom: 20px; }
.field:last-child { margin-bottom: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field-row.c3 { grid-template-columns: 1fr 1fr 1fr; }

label {
  display: block;
  font-family: 'Space Mono', monospace;
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 8px;
}

/* ---- range slider ---- */
.slider-wrap { display: flex; align-items: center; gap: 10px; margin-top: 6px; }
.slider-wrap input[type="range"] {
  flex: 1; height: 4px; -webkit-appearance: none; appearance: none;
  background: var(--line); border-radius: 2px; outline: none;
  cursor: pointer;
}
.slider-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 16px; height: 16px; border-radius: 50%;
  background: var(--accent); border: 2px solid var(--bg); cursor: pointer;
  box-shadow: 0 1px 4px rgba(0,0,0,0.15);
}
.slider-wrap input[type="range"]::-moz-range-thumb {
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--accent); border: 2px solid var(--bg); cursor: pointer;
}
.slider-val {
  font-family: 'Space Mono', monospace; font-size: 11px; color: var(--muted);
  min-width: 48px; text-align: right;
}

input[type="number"],
input[type="text"].calc-text,
.panel input[type="text"]:not(.calc-screen):not(.formula-input),
select.calc-select {
  width: 100%;
  max-width: 100%;
  background: var(--bg);
  border: 1px solid var(--line);
  color: var(--ink);
  padding: 13px 15px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  border-radius: 8px;
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
  box-sizing: border-box;
  -webkit-appearance: none;
  appearance: none;
}
input[type="number"]:hover,
.panel input[type="text"]:not(.calc-screen):not(.formula-input):hover {
  border-color: var(--muted);
}
input[type="number"]:focus,
input[type="text"].calc-text:focus,
.panel input[type="text"]:not(.calc-screen):not(.formula-input):focus,
select.calc-select:focus {
  outline: none;
  border-color: var(--accent);
  background: var(--surface);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }

/* input with a prefix/suffix adornment (e.g. $ or %) */
.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .adorn {
  position: absolute; font-family: 'Space Mono', monospace; font-size: 13px;
  color: var(--muted); pointer-events: none;
}
.input-wrap .adorn.pre { left: 14px; }
.input-wrap .adorn.suf { right: 14px; }
.input-wrap input.has-pre { padding-left: 30px; }
.input-wrap input.has-suf { padding-right: 34px; }

.results { display: flex; flex-direction: column; gap: 20px; }

.main-result {
  background: linear-gradient(135deg, var(--accent) 0%, #2a5fc0 100%);
  border-radius: 16px;
  padding: 36px;
  color: #fff;
  box-shadow: 0 4px 16px rgba(27,59,111,0.2);
}
.main-result .label {
  font-family: 'Space Mono', monospace;
  font-size: 10px; letter-spacing: 0.14em; text-transform: uppercase;
  color: rgba(255,255,255,0.6); margin-bottom: 10px;
}
.main-result .value {
  font-family: 'Fraunces', serif;
  font-size: 54px; font-weight: 500; line-height: 1; letter-spacing: -0.02em;
}
.main-result .value .unit { color: rgba(255,255,255,0.5); }

.stats {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1px; background: var(--line);
  border: 1px solid var(--line); border-radius: 14px; overflow: hidden;
}
.stat { background: var(--surface); padding: 22px; }
.stat .label {
  font-family: 'Space Mono', monospace;
  font-size: 10px; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 8px;
}
.stat .value { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; }

.keystats {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px,1fr));
  gap: 12px;
}
.keystat {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: 12px; padding: 18px;
}
.keystat .label {
  font-family: 'Space Mono', monospace;
  font-size: 10px; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 6px;
}
.keystat .value { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; }

.savings {
  background: var(--live-soft);
  border: 1px solid rgba(26,127,90,0.25);
  border-radius: 14px;
  padding: 18px 22px; font-size: 14px; color: var(--ink-soft);
}
.savings strong { color: var(--live); font-weight: 600; }
.savings.hidden { display: none; }

.chart-panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px;
}
.chart-container { position: relative; height: 280px; }

/* ---------- Mobile nav toggle ---------- */
.topbar { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 920px) {
  .calc-grid { grid-template-columns: 1fr; gap: 24px; }
  .panel { position: static; border-radius: 14px; }
}

@media (max-width: 760px) {
  .layout { flex-direction: column; }
  .sidebar {
    position: static; width: 100%; height: auto;
    border-right: none; border-bottom: 1px solid var(--line);
    padding: 18px 0;
  }
  .nav { display: flex; overflow-x: auto; padding: 0 16px; gap: 4px; }
  .nav-label, .sidebar-footer { display: none; }
  .nav-item {
    flex-direction: column; align-items: flex-start; gap: 2px;
    padding: 8px 14px; border-left: none; border-bottom: 2px solid transparent;
    white-space: nowrap; border-radius: 4px;
  }
  .nav-item.active { border-left: none; border-bottom-color: var(--accent); }
  .nav-item .nav-name { font-size: 12px; }
  .nav-item .dot { display: none; }
  .brand { border-bottom: none; padding-bottom: 12px; margin-bottom: 8px; }
  .main { padding: 28px 18px 64px; }
  h1 { font-size: 30px; }
  .cat-row { grid-template-columns: 40px 1fr; gap: 12px; }
  .cat-row .tk, .cat-row .badge { display: none; }
  .main-result { padding: 26px; border-radius: 14px; }
  .main-result .value { font-size: 40px; }
  .stats { grid-template-columns: 1fr 1fr; }
  .keystats { grid-template-columns: 1fr 1fr; }
  /* tighter inputs on phones, keep font >=16px to stop iOS auto-zoom */
  input[type="number"],
  .panel input[type="text"]:not(.calc-screen):not(.formula-input) {
    padding: 11px 13px; font-size: 16px; border-radius: 8px;
  }
  .field { margin-bottom: 16px; }
  .field-row { gap: 10px; }
  .panel { padding: 22px 18px; border-radius: 14px; }
  .calc-grid { gap: 20px; }
  /* prevent any fixed-width inputs from overflowing the panel */
  .panel input, .panel select { max-width: 100%; box-sizing: border-box; }
  .slider-wrap input[type="range"] { height: 6px; }
}

/* ============================================================
   Reusable components (added for tools)
   ============================================================ */

.panel-divider {
  border: none;
  border-top: 1px solid var(--line-soft);
  margin: 22px 0;
}

.panel-sub {
  font-family: 'Space Mono', monospace;
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--faint);
  margin-bottom: 16px;
}

/* Toggle / checkbox row */
.toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 4px 0;
  margin-bottom: 14px;
}
.toggle-row label {
  margin: 0;
  text-transform: none;
  letter-spacing: 0;
  font-family: 'Inter', sans-serif;
  font-size: 13.5px;
  color: var(--ink-soft);
}
.switch { position: relative; width: 40px; height: 22px; flex-shrink: 0; }
.switch input { opacity: 0; width: 0; height: 0; }
.switch .slider {
  position: absolute; inset: 0; cursor: pointer;
  background: var(--line); border-radius: 100px; transition: 0.18s;
}
.switch .slider::before {
  content: ""; position: absolute; height: 16px; width: 16px;
  left: 3px; top: 3px; background: #fff; border-radius: 50%; transition: 0.18s;
}
.switch input:checked + .slider { background: var(--accent); }
.switch input:checked + .slider::before { transform: translateX(18px); }

.conditional { display: none; }
.conditional.show { display: block; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Space Mono', monospace; font-size: 11px;
  letter-spacing: 0.08em; text-transform: uppercase;
  padding: 10px 16px; border-radius: 4px; cursor: pointer;
  border: 1px solid var(--accent); background: var(--accent); color: #fff;
  transition: opacity 0.15s;
}
.btn:hover { opacity: 0.88; }
.btn.ghost { background: transparent; color: var(--accent); }
.btn.ghost:hover { background: var(--accent-soft); opacity: 1; }

/* PITI / result breakdown */
.breakdown {
  display: flex; flex-direction: column; gap: 1px;
  background: var(--line); border: 1px solid var(--line);
  border-radius: 12px; overflow: hidden;
}
.breakdown .row {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--surface); padding: 14px 18px; font-size: 14px;
}
.breakdown .row .k { color: var(--muted); display: flex; align-items: center; gap: 8px; }
.breakdown .row .k .swatch { width: 10px; height: 10px; border-radius: 3px; }
.breakdown .row .v { font-family: 'Space Mono', monospace; font-size: 13px; color: var(--ink); font-weight: 500; }
.breakdown .row.muted .v { color: var(--faint); }

/* Schedule table */
.table-wrap {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden;
}
.table-head {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; border-bottom: 1px solid var(--line);
}
.table-head .panel-label { margin: 0; }
.table-scroll { max-height: 360px; overflow-y: auto; }
table.schedule { width: 100%; border-collapse: collapse; }
table.schedule th, table.schedule td {
  text-align: right; padding: 9px 14px; font-size: 12.5px;
  font-family: 'Space Mono', monospace; white-space: nowrap;
}
table.schedule th {
  position: sticky; top: 0; background: var(--sidebar);
  color: var(--faint); font-weight: 400; font-size: 10px;
  letter-spacing: 0.08em; text-transform: uppercase;
  border-bottom: 1px solid var(--line);
}
table.schedule td { color: var(--ink-soft); border-bottom: 1px solid var(--line-soft); }
table.schedule td:first-child, table.schedule th:first-child { text-align: left; color: var(--muted); }
table.schedule tr.year-row td { background: var(--accent-soft); color: var(--ink); font-weight: 700; }

/* ============================================================
   Sidebar hide/show
   ============================================================ */
.brand-row { display: flex; align-items: center; justify-content: space-between; }
.nav-hide-btn {
  background: transparent; border: none; color: var(--faint);
  cursor: pointer; font-size: 20px; line-height: 1; padding: 2px 6px;
  border-radius: 4px;
}
.nav-hide-btn:hover { color: var(--ink); background: var(--accent-soft); }

.nav-show-btn {
  position: fixed; top: 14px; left: 14px; z-index: 60;
  width: 38px; height: 38px; border-radius: 8px;
  border: 1px solid var(--line); background: var(--surface);
  color: var(--ink-soft); cursor: pointer; font-size: 17px;
  display: none; align-items: center; justify-content: center;
  box-shadow: 0 2px 8px rgba(20,25,37,0.06);
}
.nav-show-btn:hover { border-color: var(--accent); color: var(--accent); }

.layout.nav-hidden .sidebar { display: none; }
.layout.nav-hidden .nav-show-btn { display: flex; }
.layout.nav-hidden .main { padding-left: 68px; }

@media (max-width: 760px) {
  .layout.nav-hidden .main { padding-left: 20px; }
}

/* Catalog category labels (homepage) */
.cat-group-label {
  font-family: 'Space Mono', monospace; font-size: 11px; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--accent); margin: 30px 0 10px;
}
.cat-group-label:first-of-type { margin-top: 0; }
.catalog + .cat-group-label { margin-top: 34px; }

/* Tabs (used by multi-section tools) */
.tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--line); margin-bottom: 26px; flex-wrap: wrap; }
.tab {
  font-family: 'Space Mono', monospace; font-size: 11px; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--muted); padding: 10px 16px; cursor: pointer;
  border: none; background: none; border-bottom: 2px solid transparent; margin-bottom: -1px;
}
.tab:hover { color: var(--ink); }
.tab.active { color: var(--accent); border-bottom-color: var(--accent); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* Single big metric row helper */
.metric-row { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden; }

/* ============================================================
   v3 — spacing fix, logo, guide/about
   ============================================================ */
/* FIX: catalog name/description were inline and ran together */
.cat-row .body { display: flex; flex-direction: column; gap: 4px; }
.cat-row .body .name { margin-bottom: 0; line-height: 1.2; }
.cat-row .body .desc { line-height: 1.45; }

/* Brand logo */
.brand-link { display: flex; align-items: center; gap: 9px; }
.logo { flex-shrink: 0; display: block; }
.sidebar-footer { display: flex; align-items: center; gap: 8px; }
.sidebar-footer .logo { width: 16px; height: 16px; }
.sidebar-footer span { line-height: 1.3; }

/* Nicer overview hero */
.hero-stats { display: flex; gap: 28px; margin-top: 22px; flex-wrap: wrap; }
.hero-stat .n { font-family: 'Fraunces', serif; font-size: 30px; font-weight: 500; color: var(--accent); line-height: 1; }
.hero-stat .l { font-family: 'Space Mono', monospace; font-size: 10px; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-top: 6px; }

a.cat-row:hover { background: var(--surface); transform: translateX(3px); }
.cat-row { transition: background 0.12s, transform 0.12s; }

/* Guide page */
.guide-intro { font-size: 15px; color: var(--muted); max-width: 640px; margin-bottom: 36px; }
.guide-item { padding: 26px 0; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 70px 1fr; gap: 24px; }
.guide-item .gtk { font-family: 'Space Mono', monospace; font-size: 13px; font-weight: 700; color: var(--accent); }
.guide-item h3 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; margin-bottom: 8px; }
.guide-item p { font-size: 14px; color: var(--ink-soft); line-height: 1.6; margin-bottom: 8px; }
.guide-item .gcat { font-family:'Space Mono',monospace; font-size:9px; letter-spacing:0.1em; text-transform:uppercase; color:var(--faint); }
@media (max-width:600px){ .guide-item{grid-template-columns:1fr;gap:8px;} }

/* About page */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 760px; }
@media (max-width:640px){ .about-grid{grid-template-columns:1fr;} }
.about-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.about-card h3 { font-family:'Fraunces',serif; font-size:18px; font-weight:500; margin-bottom:14px; }
.about-card p { font-size:14px; color:var(--ink-soft); line-height:1.65; margin-bottom:12px; }
.contact-row { display:flex; align-items:center; gap:10px; padding:11px 0; border-bottom:1px solid var(--line-soft); font-size:14px; }
.contact-row:last-child{border-bottom:none;}
.contact-row .ck { font-family:'Space Mono',monospace; font-size:10px; letter-spacing:0.08em; text-transform:uppercase; color:var(--muted); width:80px; flex-shrink:0; }
.contact-row .cv { color:var(--ink); }
.contact-row a.cv { color:var(--accent); }

/* ============================================================
   v4 — collapse fix, info modal, excel cta, featured, debt table
   ============================================================ */
/* Collapse: center content instead of leaving dead space */
.layout.nav-hidden .main { margin-left: auto; margin-right: auto; padding-left: 56px; padding-right: 56px; }
@media (max-width:760px){ .layout.nav-hidden .main { padding-left: 20px; padding-right: 20px; } }

/* Sidebar: soon tag instead of dots */
.nav-item .soon-tag { font-family:'Space Mono',monospace; font-size:8px; letter-spacing:0.08em; text-transform:uppercase;
  color:var(--faint); border:1px solid var(--line); border-radius:100px; padding:1px 6px; margin-left:auto; }

/* Info button on calc pages */
.page-head { position: relative; }
.info-btn { position:absolute; top:0; right:0; font-family:'Space Mono',monospace; font-size:11px; letter-spacing:0.04em;
  background:var(--surface); border:1px solid var(--line); color:var(--accent); padding:8px 14px; border-radius:6px; cursor:pointer; transition:.15s; }
.info-btn:hover { background:var(--accent-soft); border-color:var(--accent); }
.info-modal { position:fixed; inset:0; background:rgba(20,25,37,0.45); display:none; align-items:center; justify-content:center; z-index:100; padding:20px; }
.info-modal.open { display:flex; }
.info-card { background:var(--surface); border-radius:10px; max-width:600px; width:100%; max-height:82vh; overflow-y:auto; padding:34px; position:relative; box-shadow:0 20px 60px rgba(20,25,37,0.25); }
.info-close { position:absolute; top:16px; right:18px; background:none; border:none; font-size:26px; line-height:1; color:var(--faint); cursor:pointer; }
.info-close:hover { color:var(--ink); }
.info-body h3 { font-family:'Fraunces',serif; font-size:18px; font-weight:600; margin:18px 0 8px; color:var(--accent); }
.info-body h3:first-child { margin-top:0; }
.info-body p { font-size:14px; line-height:1.65; color:var(--ink-soft); margin-bottom:10px; }
.info-body b { color:var(--ink); font-weight:600; }

/* Excel request CTA */
.excel-cta { display:flex; align-items:center; gap:10px; margin-top:40px; padding-top:22px; border-top:1px solid var(--line);
  font-size:13px; color:var(--muted); }
.excel-cta a { color:#1D6F42; font-weight:500; }
.excel-cta svg { flex-shrink:0; }

/* Featured cards on homepage */
.featured { display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin:36px 0 8px; }
@media (max-width:760px){ .featured { grid-template-columns:1fr; } }
.feat-card { background:var(--surface); border:1px solid var(--line); border-radius:10px; padding:24px; transition:.15s; display:flex; flex-direction:column; }
.feat-card:hover { border-color:var(--accent); transform:translateY(-2px); box-shadow:0 8px 24px rgba(27,59,111,0.08); }
.feat-tk { font-family:'Space Mono',monospace; font-size:11px; font-weight:700; letter-spacing:0.1em; color:var(--gold); margin-bottom:10px; }
.feat-name { font-family:'Fraunces',serif; font-size:21px; font-weight:500; margin-bottom:8px; }
.feat-desc { font-size:13px; color:var(--muted); line-height:1.5; flex:1; margin-bottom:14px; }
.feat-go { font-family:'Space Mono',monospace; font-size:11px; color:var(--accent); letter-spacing:0.04em; }

/* Bigger, warmer hero */
.home-hero { background:linear-gradient(135deg, rgba(27,59,111,0.04), rgba(176,130,42,0.05)); border:1px solid var(--line);
  border-radius:14px; padding:44px 40px; margin-bottom:8px; }
.home-hero h1 { margin-bottom:14px; }
.home-hero .lead { margin-bottom:0; }

/* Debt table — fix cramped first column */
.debt-table { table-layout:fixed; }
.debt-table th:nth-child(1), .debt-table td:nth-child(1) { width:40%; }
.debt-table th:nth-child(2), .debt-table td:nth-child(2) { width:24%; }
.debt-table th:nth-child(3), .debt-table td:nth-child(3) { width:18%; }
.debt-table th:nth-child(4), .debt-table td:nth-child(4) { width:18%; }

/* About: report bug */
.bug-box { background:var(--accent-soft); border:1px solid var(--line); border-radius:var(--radius); padding:20px 24px; margin-top:24px; max-width:760px; font-size:14px; color:var(--ink-soft); }
.bug-box a { color:var(--accent); font-weight:500; }

/* ============================================================
   v5 — warmth + persistence UI (save / load / email)
   ============================================================ */
/* Warmer page header: gradient rule + gentle tint */
.page-head { border-bottom: none; padding-bottom: 26px; }
.page-head::after { content:''; position:absolute; left:0; bottom:0; height:2px; width:100%;
  background: linear-gradient(90deg, var(--accent) 0%, var(--gold) 45%, rgba(176,130,42,0) 100%); opacity:0.55; border-radius:2px; }

/* Main result: subtle depth gradient + gold edge */
.main-result { background: linear-gradient(140deg,#1f4279 0%,#15315c 100%);
  position: relative; overflow: hidden; }
.main-result::before { content:''; position:absolute; top:0; left:0; width:100%; height:3px;
  background: linear-gradient(90deg, var(--gold), rgba(176,130,42,0)); }

/* Featured cards get a warm top accent on hover */
.feat-card { position: relative; overflow: hidden; }
.feat-card::before { content:''; position:absolute; top:0; left:0; height:3px; width:100%;
  background: linear-gradient(90deg, var(--accent), var(--gold)); transform: scaleX(0); transform-origin:left; transition: transform .2s; }
.feat-card:hover::before { transform: scaleX(1); }

/* Persistence toolbar (injected on calc pages) */
.calc-toolbar { display:flex; align-items:center; gap:10px; flex-wrap:wrap; margin: -16px 0 30px;
  padding: 12px 16px; background: var(--sidebar); border:1px solid var(--line); border-radius:8px; }
.calc-toolbar .ct-status { font-family:'Space Mono',monospace; font-size:10px; letter-spacing:0.06em; text-transform:uppercase; color:var(--live); display:flex; align-items:center; gap:6px; }
.calc-toolbar .ct-status::before { content:''; width:7px; height:7px; border-radius:50%; background:var(--live); }
.calc-toolbar .ct-spacer { flex:1; }
.ct-btn { font-family:'Space Mono',monospace; font-size:11px; letter-spacing:0.03em; background:var(--surface);
  border:1px solid var(--line); color:var(--ink-soft); padding:8px 13px; border-radius:6px; cursor:pointer; transition:.15s; }
.ct-btn:hover { border-color:var(--accent); color:var(--accent); }
.ct-btn.primary { background:var(--accent); color:#fff; border-color:var(--accent); }
.ct-btn.primary:hover { background:#16335f; color:#fff; }
.ct-select { font-family:'Space Mono',monospace; font-size:11px; background:var(--surface); border:1px solid var(--line);
  color:var(--ink-soft); padding:8px 10px; border-radius:6px; cursor:pointer; max-width:170px; }

/* Generic modal (reuse info-modal styling for save/email) */
.fc-modal { position:fixed; inset:0; background:rgba(20,25,37,0.45); display:none; align-items:center; justify-content:center; z-index:120; padding:20px; }
.fc-modal.open { display:flex; }
.fc-card { background:var(--surface); border-radius:12px; max-width:440px; width:100%; padding:32px; position:relative; box-shadow:0 20px 60px rgba(20,25,37,0.25); }
.fc-card h3 { font-family:'Fraunces',serif; font-size:21px; font-weight:600; margin-bottom:8px; }
.fc-card p { font-size:13.5px; color:var(--muted); line-height:1.55; margin-bottom:18px; }
.fc-card .fc-close { position:absolute; top:14px; right:16px; background:none; border:none; font-size:26px; line-height:1; color:var(--faint); cursor:pointer; }
.fc-card input[type=text], .fc-card input[type=email] { width:100%; background:var(--bg); border:1px solid var(--line); color:var(--ink);
  padding:12px 14px; font-family:'Inter',sans-serif; font-size:14px; border-radius:7px; margin-bottom:14px; }
.fc-card input:focus { outline:none; border-color:var(--accent); }
.fc-actions { display:flex; gap:10px; }
.fc-actions .ct-btn { flex:1; text-align:center; padding:12px; }
.saved-list { list-style:none; margin:0 0 6px; padding:0; }
.saved-list li { display:flex; align-items:center; justify-content:space-between; padding:10px 0; border-bottom:1px solid var(--line-soft); font-size:13px; }
.saved-list .sl-load { color:var(--accent); cursor:pointer; font-family:'Space Mono',monospace; font-size:11px; }
.saved-list .sl-del { color:var(--faint); cursor:pointer; font-size:16px; }
.saved-list .sl-del:hover { color:#C0556B; }
.fc-empty { font-size:13px; color:var(--faint); padding:8px 0 16px; }

.result-sub { font-family:'Space Mono',monospace; font-size:12px; color:rgba(255,255,255,0.62); margin-top:8px; letter-spacing:0.03em; }

.check-row { display:flex; align-items:center; gap:9px; font-size:13.5px; color:var(--ink-soft); cursor:pointer; margin:4px 0 12px; }
.check-row input { width:16px; height:16px; accent-color:var(--accent); cursor:pointer; }
.field.conditional { display:none; } .field.conditional.show { display:block; }

/* ============================================================
   v6 — topbar/auth, collapsible sidebar, formulas, email CTA
   ============================================================ */
/* Top-right bar (About + auth) */
.topbar { display:flex; align-items:center; justify-content:flex-end; gap:18px; margin-bottom:6px; min-height:24px; }
.topbar-link { font-family:'Space Mono',monospace; font-size:11px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted); text-decoration:none; }
.topbar-link:hover { color:var(--accent); }
.topbar-auth { display:flex; align-items:center; gap:10px; }
.auth-hi { font-family:'Space Mono',monospace; font-size:11px; color:var(--ink-soft); letter-spacing:.02em; }
.auth-btn { font-family:'Space Mono',monospace; font-size:11px; letter-spacing:.05em; text-transform:uppercase;
  background:var(--surface); border:1px solid var(--line); color:var(--accent); padding:6px 13px; border-radius:6px; cursor:pointer; transition:.15s; }
.auth-btn:hover { border-color:var(--accent); background:var(--accent-soft); }
@media (max-width:640px){ .topbar{ gap:12px; } }

/* Collapsible sidebar categories */
.nav-cat { display:flex; align-items:center; justify-content:space-between; width:100%; background:none; border:none; cursor:pointer;
  font-family:'Space Mono',monospace; font-size:10px; letter-spacing:.12em; text-transform:uppercase; color:var(--faint);
  padding:15px 8px 7px; margin-top:2px; }
.nav-cat:hover { color:var(--muted); }
.nav-chev { transition:transform .16s ease; font-size:13px; }
.nav-cat.open .nav-chev { transform:rotate(90deg); color:var(--accent); }
.nav-sub { display:none; }
.nav-sub.open { display:block; }

/* Formula explainer box */
.formula-box { margin-top:30px; border:1px solid var(--line); border-radius:10px; overflow:hidden; background:var(--surface); }
.formula-toggle { width:100%; text-align:left; background:var(--sidebar); border:none; cursor:pointer; padding:14px 18px;
  font-family:'Space Mono',monospace; font-size:11px; letter-spacing:.06em; text-transform:uppercase; color:var(--accent);
  display:flex; align-items:center; justify-content:space-between; }
.formula-toggle .fm-chev { transition:transform .16s; }
.formula-toggle.open .fm-chev { transform:rotate(180deg); }
.formula-body { display:none; padding:20px 22px 8px; }
.formula-body.open { display:block; }
.formula-body p { font-size:13.5px; color:var(--ink-soft); line-height:1.6; margin-bottom:14px; }
.formula-body .fm { font-family:'Space Mono',monospace; font-size:15px; color:var(--ink); background:var(--bg);
  border:1px solid var(--line); border-radius:8px; padding:16px 18px; margin-bottom:16px; text-align:center; line-height:1.8; }
.formula-body .frac { display:inline-block; border-bottom:1px solid var(--ink); padding:0 4px; line-height:1.1; }
.formula-body .frac + span { display:inline-block; padding:0 4px; }
.formula-body sup { font-size:.7em; }

/* Bottom Save-to-email CTA */
.email-cta { margin-top:24px; display:flex; align-items:center; justify-content:space-between; gap:18px; flex-wrap:wrap;
  background:linear-gradient(135deg, var(--accent-soft), rgba(176,130,42,0.06)); border:1px solid var(--line);
  border-radius:10px; padding:18px 22px; }
.email-cta div { font-size:13.5px; color:var(--ink-soft); }
.email-cta strong { color:var(--ink); }

/* Homepage hero: FinCalc big + subtitle */
.home-hero h1.brand-hero { font-size:64px; letter-spacing:-0.02em; margin-bottom:6px; }
.hero-sub { font-family:'Fraunces',serif; font-size:24px; font-weight:500; color:var(--ink-soft); margin-bottom:18px; }
@media (max-width:640px){ .home-hero h1.brand-hero{ font-size:46px; } .hero-sub{ font-size:19px; } }

/* Bigger, more visible tabs (options etc.) */
.tabs.big { gap:6px; }
.tabs.big .tab { font-size:12.5px; padding:13px 22px; border:1px solid transparent; border-bottom:2px solid transparent; border-radius:8px 8px 0 0; }
.tabs.big .tab.active { background:var(--accent-soft); border-bottom-color:var(--accent); }

.auth-btn.dash-cta { background:var(--accent); color:#fff; border-color:var(--accent); }
.auth-btn.dash-cta:hover { background:#16335f; color:#fff; }


/* ---- Pop-out calculator widget (bigger, iPhone-style) ---- */
.calc-pop-btn { background:none; border:none; cursor:pointer; font-family:'Space Mono',monospace; font-size:11px; letter-spacing:.08em; text-transform:uppercase; color:var(--muted); }
.calc-pop-btn:hover { color:var(--accent); }
.calc-card { max-width:420px; padding:26px; width:calc(100vw - 40px); }
.calc-top { display:flex; align-items:center; justify-content:space-between; margin-bottom:14px; }
.calc-name { font-family:'Space Mono',monospace; font-size:12px; color:var(--muted); text-transform:uppercase; letter-spacing:.1em; }
.calc-screen { width:100%; box-sizing:border-box; text-align:right; font-family:'Space Mono',monospace; font-size:34px; padding:20px 18px; background:var(--ink); color:#fff; border:none; border-radius:10px; margin-bottom:14px; min-height:34px; overflow-x:auto; white-space:nowrap; word-break:break-all; }
.calc-pad { display:grid; grid-template-columns:repeat(4,1fr); gap:9px; }
.calc-key { padding:18px 0; font-family:'Space Mono',monospace; font-size:18px; background:var(--surface); border:1px solid var(--line); border-radius:9px; cursor:pointer; color:var(--ink); transition:.1s; -webkit-tap-highlight-color:transparent; touch-action:manipulation; user-select:none; }
.calc-key:hover { background:var(--bg); border-color:var(--accent); transform:translateY(-1px); }
.calc-key:active { transform:translateY(0); background:var(--accent-soft); }
.calc-key.op { color:var(--accent); font-weight:700; }
.calc-key.fn { font-size:15px; color:var(--muted); }
.calc-key.eq { background:var(--accent); color:#fff; border-color:var(--accent); }
.calc-key.eq:hover { background:#16335f; }
@media (max-width:480px) {
  .calc-card { padding:18px; max-width:none; width:calc(100vw - 24px); }
  .calc-screen { font-size:26px; padding:16px 14px; }
  .calc-key { padding:16px 0; font-size:17px; border-radius:8px; }
  .calc-pad { gap:7px; }
}

.globe-btn { background:none; border:none; cursor:pointer; font-family:'Space Mono',monospace; font-size:11px; letter-spacing:.06em; text-transform:uppercase; color:var(--muted); }
.globe-btn:hover { color:var(--accent); }

/* ============================================================
   v7 — visual glowup
   ============================================================ */

/* Smoother, richer panel */
.panel {
  box-shadow: 0 2px 12px rgba(20,25,37,0.04), 0 0 0 1px rgba(0,0,0,0.03);
  transition: box-shadow 0.2s, transform 0.2s;
}
.panel:hover {
  box-shadow: 0 4px 20px rgba(20,25,37,0.07), 0 0 0 1px rgba(0,0,0,0.04);
}

/* Better main result gradient */
.main-result {
  background: linear-gradient(140deg, #1a3968 0%, #254d8a 40%, #2a5fc0 100%);
  box-shadow: 0 6px 24px rgba(27,59,111,0.25), inset 0 1px 0 rgba(255,255,255,0.08);
}
.main-result .value { text-shadow: 0 2px 8px rgba(0,0,0,0.15); }

/* Nicer stats cards */
.stat {
  transition: background 0.15s;
}
.stat:hover {
  background: var(--bg);
}
.stats {
  border-radius: 14px;
  box-shadow: 0 1px 4px rgba(20,25,37,0.04);
}

/* Better breakdown rows */
.breakdown {
  border-radius: 14px;
  box-shadow: 0 1px 4px rgba(20,25,37,0.04);
}
.breakdown .row {
  transition: background 0.12s;
}
.breakdown .row:hover {
  background: var(--bg);
}

/* Polished chart panel */
.chart-panel {
  box-shadow: 0 1px 6px rgba(20,25,37,0.04);
  transition: box-shadow 0.2s;
}
.chart-panel:hover {
  box-shadow: 0 3px 12px rgba(20,25,37,0.07);
}

/* Input focus glow */
input[type="number"]:focus,
input[type="text"].calc-text:focus,
select.calc-select:focus {
  box-shadow: 0 0 0 3px var(--accent-soft), 0 1px 3px rgba(27,59,111,0.1);
}

/* Warmer tabs */
.tabs.big .tab {
  transition: color 0.15s, border-color 0.15s, background 0.15s;
  border-radius: 8px 8px 0 0;
}
.tabs.big .tab:hover {
  background: var(--accent-soft);
}
.tabs.big .tab.active {
  background: var(--accent-soft);
  border-bottom-color: var(--accent);
  color: var(--accent);
  font-weight: 700;
}

/* Nicer buttons */
.btn {
  transition: all 0.15s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.08);
}
.btn:hover {
  opacity: 1;
  transform: translateY(-1px);
  box-shadow: 0 3px 8px rgba(0,0,0,0.12);
}
.btn.ghost {
  box-shadow: none;
}
.btn.ghost:hover {
  transform: translateY(-1px);
  box-shadow: 0 2px 6px rgba(27,59,111,0.1);
}

/* Nicer compare boxes (debt calc) */
.cbox { transition: background 0.15s; }
.cbox.winner { background: rgba(26,127,90,0.08); }
.cbox.winner .cv { color: var(--live); }

/* Savings / warning boxes */
.savings {
  border-radius: 12px;
  box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}

/* Key stats cards */
.keystat {
  transition: transform 0.15s, box-shadow 0.15s;
}
.keystat:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(20,25,37,0.06);
}

/* Strat description helper text */
.strat-desc {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.55;
  margin-top: 4px;
}

/* Better scrollbar in table areas */
.table-scroll::-webkit-scrollbar { width: 6px; }
.table-scroll::-webkit-scrollbar-track { background: var(--bg); }
.table-scroll::-webkit-scrollbar-thumb { background: var(--line); border-radius: 3px; }
.table-scroll::-webkit-scrollbar-thumb:hover { background: var(--muted); }

/* Panel divider refinement */
.panel-divider {
  margin: 24px 0;
  opacity: 0.7;
}

/* Responsive refinements */
@media (max-width: 920px) {
  .panel { box-shadow: 0 1px 6px rgba(20,25,37,0.05); }
}