/* ==========================================================================
   MoneyOrNot — design system
   Friendly professional: warm neutrals, deep slate ink, emerald accent.
   ========================================================================== */

:root {
  color-scheme: light;

  /* Surfaces */
  --bg: #f8f7f4;
  --surface: #ffffff;
  --surface-2: #f4f3ef;
  --surface-3: #ecebe6;
  --border: #e5e3dd;
  --border-strong: #d2cfc7;

  /* Ink */
  --ink: #142033;
  --ink-2: #364154;
  --muted: #5d6676;
  --faint: #8a909b;

  /* Brand */
  --accent: #0f8f6a;
  --accent-ink: #0a6b50;
  --accent-strong: #075a43;
  --accent-soft: #e6f4ee;
  --accent-softer: #f2f9f5;
  --ocean: #2a63c4;
  --ocean-soft: #eaf0fb;
  --orange: #e07a2e;

  /* Status */
  --danger: #b42318;
  --danger-soft: #fdf1f0;
  --info: #1e4f9c;
  --info-soft: #eef3fb;

  /* Charts */
  --grid: #ebe9e3;
  --axis: #c9c6bd;

  /* Shape */
  --radius: 18px;
  --radius-md: 12px;
  --radius-sm: 9px;
  --shadow-sm: 0 1px 2px rgba(20, 32, 51, 0.05);
  --shadow: 0 1px 2px rgba(20, 32, 51, 0.04), 0 6px 24px rgba(20, 32, 51, 0.06);
  --ring: 0 0 0 3px rgba(15, 143, 106, 0.28);

  /* Type */
  --font: Inter, ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;

  --container: 1160px;
  --gutter: 16px;
}

@media (min-width: 720px) {
  :root {
    --gutter: 28px;
  }
}

/* ---------------------------------------------------------------- base */

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
}

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

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1,
h2,
h3,
h4 {
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 0 0 0.5em;
}

h1 {
  font-size: clamp(1.75rem, 1.3rem + 2vw, 2.5rem);
  font-weight: 750;
  letter-spacing: -0.025em;
}

h2 {
  font-size: clamp(1.25rem, 1.1rem + 0.6vw, 1.5rem);
  font-weight: 700;
}

h3 {
  font-size: 1.0625rem;
  font-weight: 650;
}

p {
  margin: 0 0 1em;
}

a {
  color: var(--accent-ink);
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
}

a:hover {
  color: var(--accent-strong);
}

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

img,
svg {
  max-width: 100%;
}

[hidden] {
  display: none !important;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -48px;
  z-index: 100;
  background: var(--ink);
  color: #fff;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: top 0.15s;
}

.skip-link:focus {
  top: 12px;
  color: #fff;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

/* ---------------------------------------------------------------- header */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(248, 247, 244, 0.86);
  backdrop-filter: saturate(1.4) blur(10px);
  -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--border);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 62px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  text-decoration: none;
  font-weight: 750;
  font-size: 1.125rem;
  letter-spacing: -0.02em;
}

.brand:hover {
  color: var(--ink);
}

.brand svg {
  width: 30px;
  height: 30px;
  flex: none;
}

.brand .brand-or {
  color: var(--accent);
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--ink);
  border-radius: 999px;
  padding: 8px 14px;
  font: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  cursor: pointer;
}

.nav-toggle svg {
  width: 18px;
  height: 18px;
}

.site-menu {
  display: none;
  position: absolute;
  top: calc(100% + 1px);
  left: 0;
  right: 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow);
  padding: 8px var(--gutter) 16px;
}

.site-menu.is-open {
  display: block;
}

.site-menu ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 2px;
}

.site-menu a {
  display: block;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  color: var(--ink-2);
  text-decoration: none;
  font-weight: 550;
}

.site-menu a:hover,
.site-menu a[aria-current='page'] {
  background: var(--accent-soft);
  color: var(--accent-strong);
}

@media (min-width: 960px) {
  .nav-toggle {
    display: none;
  }
  .site-menu {
    display: block;
    position: static;
    background: none;
    border: 0;
    box-shadow: none;
    padding: 0;
  }
  .site-menu ul {
    display: flex;
    gap: 2px;
  }
  .site-menu a {
    padding: 7px 11px;
    font-size: 0.9375rem;
  }
}

/* ---------------------------------------------------------------- page layout */

.page-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 32px;
  padding-block: 20px 56px;
}

.page-aside {
  display: none;
}

/* Only when ads are live does a sidebar column exist at all. */
@media (min-width: 1240px) {
  .ads-on .page-grid {
    max-width: calc(var(--container) + 332px);
    grid-template-columns: minmax(0, 1fr) 300px;
  }
  .ads-on .page-aside {
    display: block;
  }
}

.breadcrumb {
  font-size: 0.875rem;
  color: var(--muted);
  margin-bottom: 12px;
}

.breadcrumb ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 0;
  padding: 0;
}

.breadcrumb li + li::before {
  content: '/';
  margin-right: 6px;
  color: var(--faint);
}

.breadcrumb a {
  color: var(--muted);
  text-decoration: none;
}

.breadcrumb a:hover {
  color: var(--accent-ink);
  text-decoration: underline;
}

.page-intro {
  margin-bottom: 24px;
  max-width: 760px;
}

.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 650;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--accent-ink);
  margin-bottom: 8px;
}

.lede {
  font-size: 1.0625rem;
  color: var(--ink-2);
  margin: 0;
}

/* ---------------------------------------------------------------- cards */

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

/* ---------------------------------------------------------------- calculator */

.calc {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 20px;
  align-items: start;
}

@media (min-width: 900px) {
  .calc {
    grid-template-columns: minmax(0, 5fr) minmax(0, 6fr);
    gap: 24px;
  }
  .calc-results {
    position: sticky;
    top: 80px;
  }
}

.calc-inputs,
.calc-results {
  padding: 20px;
}

@media (min-width: 720px) {
  .calc-inputs,
  .calc-results {
    padding: 26px;
  }
}

.calc-title {
  font-size: 1rem;
  font-weight: 700;
  margin: 0 0 4px;
}

.solver-hint {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 0.875rem;
  color: var(--muted);
  margin: 0 0 18px;
}

.solver-hint svg {
  flex: none;
  width: 16px;
  height: 16px;
  margin-top: 3px;
  color: var(--accent);
}

.fields {
  display: grid;
  gap: 16px;
}

.fields--2 {
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
}

.field {
  min-width: 0;
}

.field-head {
  display: flex;
  align-items: center;
  gap: 8px;
  min-height: 28px;
  margin-bottom: 4px;
}

.field-head label,
.field-label {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--ink-2);
  margin-right: auto;
}

.field-hint {
  font-size: 0.8125rem;
  color: var(--muted);
  margin: 6px 0 0;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.input,
.field input[type='text'],
.field select {
  width: 100%;
  min-height: 48px;
  padding: 10px 14px;
  font: inherit;
  font-size: 1.0625rem; /* >=16px stops iOS zoom-on-focus */
  font-weight: 550;
  color: var(--ink);
  background: var(--surface);
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius-md);
  font-variant-numeric: tabular-nums;
  transition: border-color 0.15s, box-shadow 0.15s, background 0.15s;
  -webkit-appearance: none;
  appearance: none;
}

.field select {
  padding-right: 40px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%235d6676' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 6l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  font-weight: 500;
  cursor: pointer;
}

.field input:hover,
.field select:hover {
  border-color: #b9b5ab;
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: var(--ring);
}

.field input::placeholder {
  color: var(--faint);
  font-weight: 450;
}

.input-wrap .unit {
  position: absolute;
  right: 14px;
  color: var(--muted);
  font-size: 0.9375rem;
  pointer-events: none;
}

.input-wrap:has(.unit) input {
  padding-right: 64px;
}

.sign-btn {
  position: absolute;
  right: 6px;
  width: 36px;
  height: 36px;
  border: 0;
  border-radius: 8px;
  background: var(--surface-2);
  color: var(--ink-2);
  font: inherit;
  font-size: 1.125rem;
  font-weight: 600;
  cursor: pointer;
}

.sign-btn:hover {
  background: var(--accent-soft);
  color: var(--accent-strong);
}

.input-wrap:has(.sign-btn) input {
  padding-right: 50px;
}

/* Solve button + solved state */
.solve-btn {
  border: 1px solid var(--border);
  background: var(--surface-2);
  color: var(--muted);
  font: inherit;
  font-size: 0.75rem;
  font-weight: 650;
  letter-spacing: 0.02em;
  border-radius: 999px;
  padding: 3px 10px;
  cursor: pointer;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
}

.solve-btn:hover {
  border-color: var(--accent);
  color: var(--accent-ink);
  background: var(--accent-softer);
}

.solved-badge {
  display: none;
  align-items: center;
  gap: 4px;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--accent-strong);
  background: var(--accent-soft);
  border-radius: 999px;
  padding: 3px 10px;
}

.solved-badge::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
}

.field.is-solved .solved-badge {
  display: inline-flex;
}

.field.is-solved .solve-btn,
.field.is-unsolved .solve-btn {
  display: none;
}

.field.is-solved input {
  background: var(--accent-softer);
  border-color: rgba(15, 143, 106, 0.55);
  border-style: dashed;
}

.field.is-solved input::placeholder {
  color: var(--accent-strong);
  font-weight: 700;
  opacity: 1;
}

.field.is-unsolved input {
  border-style: dashed;
}

.field.is-error input,
.field.is-error select {
  border-color: var(--danger);
  background: var(--danger-soft);
}

.field.is-error input:focus {
  box-shadow: 0 0 0 3px rgba(180, 35, 24, 0.2);
}

.field.is-notice input {
  border-color: rgba(30, 79, 156, 0.45);
  border-style: dashed;
  background: var(--info-soft);
}

.field.is-notice .field-msg {
  color: var(--info);
}

.field.is-notice:has(input:placeholder-shown) .solve-btn {
  display: none;
}

.field-msg {
  margin: 6px 0 0;
  font-size: 0.8125rem;
  font-weight: 550;
  color: var(--danger);
}

.field-msg:empty {
  display: none;
}

/* Inline toggle (checkbox styled as a switch) */
.switch {
  display: flex;
  align-items: center;
  gap: 12px;
  cursor: pointer;
  font-size: 0.9375rem;
  font-weight: 550;
  color: var(--ink-2);
  min-height: 44px;
}

.switch input {
  position: relative;
  flex: none;
  width: 44px;
  height: 26px;
  margin: 0;
  border-radius: 999px;
  background: var(--border-strong);
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
  transition: background 0.15s;
}

.switch input::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 3px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.2);
  transition: transform 0.15s;
}

.switch input:checked {
  background: var(--accent);
}

.switch input:checked::after {
  transform: translateX(18px);
}

.switch input:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* Segmented presets / chips */
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.chip {
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--ink-2);
  font: inherit;
  font-size: 0.8125rem;
  font-weight: 600;
  border-radius: 999px;
  padding: 6px 12px;
  cursor: pointer;
  min-height: 34px;
}

.chip:hover {
  border-color: var(--accent);
  color: var(--accent-ink);
}

.chip[aria-pressed='true'] {
  background: var(--accent-soft);
  border-color: var(--accent);
  color: var(--accent-strong);
}

/* Accordions */
details.advanced,
details.breakdown {
  border-top: 1px solid var(--border);
  margin-top: 20px;
  padding-top: 4px;
}

details.advanced > summary,
details.breakdown > summary {
  display: flex;
  align-items: center;
  gap: 10px;
  list-style: none;
  cursor: pointer;
  padding: 12px 0;
  font-weight: 650;
  font-size: 0.9375rem;
  color: var(--ink-2);
  border-radius: var(--radius-sm);
}

details > summary::-webkit-details-marker {
  display: none;
}

details.advanced > summary::after,
details.breakdown > summary::after {
  content: '';
  margin-left: auto;
  width: 9px;
  height: 9px;
  border-right: 2px solid var(--muted);
  border-bottom: 2px solid var(--muted);
  transform: rotate(45deg) translateY(-3px);
  transition: transform 0.15s;
}

details[open].advanced > summary::after,
details[open].breakdown > summary::after {
  transform: rotate(-135deg) translateY(-2px);
}

details.advanced > summary:hover,
details.breakdown > summary:hover {
  color: var(--accent-ink);
}

.summary-note {
  font-weight: 450;
  color: var(--muted);
  font-size: 0.8125rem;
}

.advanced-body {
  display: grid;
  gap: 16px;
  padding: 4px 0 8px;
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 42px;
  padding: 9px 16px;
  font: inherit;
  font-size: 0.9375rem;
  font-weight: 650;
  border-radius: 999px;
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--ink-2);
  cursor: pointer;
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s, color 0.15s;
}

.btn:hover {
  border-color: var(--accent);
  color: var(--accent-ink);
}

.btn svg {
  width: 16px;
  height: 16px;
}

.btn--primary {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}

.btn--primary:hover {
  background: var(--accent-ink);
  border-color: var(--accent-ink);
  color: #fff;
}

.btn--small {
  min-height: 34px;
  padding: 5px 12px;
  font-size: 0.8125rem;
}

/* ---------------------------------------------------------------- results */

.result-label {
  font-size: 0.8125rem;
  font-weight: 650;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 8px;
}

.result-summary {
  font-size: clamp(1.0625rem, 1rem + 0.35vw, 1.25rem);
  line-height: 1.5;
  font-weight: 500;
  color: var(--ink);
  margin: 0 0 20px;
  text-wrap: pretty;
}

.result-summary strong {
  font-weight: 750;
  color: var(--accent-strong);
}

.result-summary.is-error,
.result-summary.is-info {
  font-size: 1rem;
  font-weight: 550;
  border-radius: var(--radius-md);
  padding: 14px 16px;
}

.result-summary.is-error {
  color: var(--danger);
  background: var(--danger-soft);
  border: 1px solid rgba(180, 35, 24, 0.18);
}

.result-summary.is-info {
  color: var(--info);
  background: var(--info-soft);
  border: 1px solid rgba(30, 79, 156, 0.15);
}

.hero-number {
  font-size: clamp(2.25rem, 1.8rem + 2vw, 3rem);
  font-weight: 760;
  letter-spacing: -0.03em;
  line-height: 1.05;
  color: var(--ink);
  margin: 0 0 6px;
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 10px;
  margin: 0 0 20px;
}

.stat {
  background: var(--surface-2);
  border-radius: var(--radius-md);
  padding: 12px 14px;
  min-width: 0;
}

.stat-label {
  display: block;
  font-size: 0.8125rem;
  color: var(--muted);
  font-weight: 550;
}

.stat-value {
  display: block;
  font-size: 1.25rem;
  font-weight: 720;
  letter-spacing: -0.01em;
  color: var(--ink);
  overflow-wrap: anywhere;
}

.stat-sub {
  display: block;
  font-size: 0.8125rem;
  color: var(--muted);
}

.stat--accent {
  background: var(--accent-soft);
}

.stat--accent .stat-value {
  color: var(--accent-strong);
}

[data-results] {
  transition: opacity 0.15s;
}

[data-results].is-stale .stat-grid,
[data-results].is-stale .chart,
[data-results].is-stale .stale-dim,
[data-results].is-stale details.breakdown {
  opacity: 0.35;
  pointer-events: none;
  filter: grayscale(0.6);
}

/* Comparison bars (HTML/CSS) */
.compare {
  display: grid;
  gap: 12px;
  margin-bottom: 20px;
}

.compare-row {
  display: grid;
  gap: 6px;
}

.compare-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.9375rem;
}

.compare-head span:first-child {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: var(--ink-2);
}

.compare-head strong {
  font-weight: 720;
  font-variant-numeric: tabular-nums;
}

.compare-track {
  height: 14px;
  background: var(--surface-2);
  border-radius: 999px;
  overflow: hidden;
}

.compare-fill {
  height: 100%;
  border-radius: 0 999px 999px 0;
  background: var(--c, var(--accent));
  transition: width 0.25s ease;
}

.split-bar {
  display: flex;
  gap: 2px;
  height: 16px;
  border-radius: 999px;
  overflow: hidden;
  background: var(--surface-2);
  margin: 6px 0 10px;
}

.split-bar span {
  display: block;
  height: 100%;
  background: var(--c);
  min-width: 2px;
}

.winner-tag {
  display: inline-flex;
  align-items: center;
  font-size: 0.6875rem;
  font-weight: 750;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: var(--accent-soft);
  color: var(--accent-strong);
  border-radius: 999px;
  padding: 2px 8px;
}

/* ---------------------------------------------------------------- charts */

.chart {
  position: relative;
  margin: 4px 0 8px;
  min-height: 160px;
  border-radius: var(--radius-md);
  outline-offset: 4px;
}

.chart svg {
  display: block;
  overflow: visible;
  font-family: var(--font);
  user-select: none;
  -webkit-user-select: none;
  touch-action: pan-y;
}

.chart .grid {
  stroke: var(--grid);
  stroke-width: 1;
}

.chart .grid--zero,
.chart .baseline {
  stroke: var(--axis);
  stroke-width: 1;
}

.chart .tick {
  fill: var(--faint);
  font-size: 12px;
  font-variant-numeric: tabular-nums;
}

.chart .line {
  fill: none;
  stroke-width: 2;
  stroke-linejoin: round;
  stroke-linecap: round;
}

.chart .line--dashed {
  stroke-dasharray: 5 5;
}

.chart .area {
  opacity: 0.1;
}

.chart .ref {
  stroke: var(--ink-2);
  stroke-width: 1.25;
  stroke-dasharray: 6 5;
}

.chart .ref-label {
  fill: var(--ink-2);
  font-size: 12px;
  font-weight: 600;
}

.chart .dot {
  stroke: var(--surface);
  stroke-width: 2;
}

.chart .end-label {
  fill: var(--ink-2);
  font-size: 12px;
  font-weight: 650;
  font-variant-numeric: tabular-nums;
}

.chart .crosshair {
  stroke: var(--ink-2);
  stroke-width: 1;
  opacity: 0.5;
}

.chart .hover-band {
  fill: var(--ink);
  opacity: 0.06;
}

.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 16px;
  list-style: none;
  margin: 0 0 10px;
  padding: 0;
  font-size: 0.8125rem;
  color: var(--ink-2);
}

.chart-legend li {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.key {
  display: inline-block;
  flex: none;
  background: var(--c);
}

.key--line {
  width: 14px;
  height: 3px;
  border-radius: 2px;
}

.key--dashed {
  background: repeating-linear-gradient(90deg, var(--c) 0 4px, transparent 4px 7px);
}

.key--rect {
  width: 11px;
  height: 11px;
  border-radius: 3px;
}

.chart-tooltip {
  position: absolute;
  z-index: 5;
  min-width: 140px;
  max-width: 240px;
  padding: 10px 12px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  box-shadow: 0 8px 28px rgba(20, 32, 51, 0.14);
  font-size: 0.8125rem;
  line-height: 1.45;
  pointer-events: none;
  opacity: 0;
  transform: translateY(4px);
  transition: opacity 0.12s, transform 0.12s;
}

.chart-tooltip.is-visible {
  opacity: 1;
  transform: none;
}

.tip-head {
  font-weight: 650;
  color: var(--muted);
  margin-bottom: 4px;
}

.tip-row {
  display: flex;
  align-items: center;
  gap: 8px;
  white-space: nowrap;
}

.tip-row strong {
  color: var(--ink);
  font-weight: 720;
  font-variant-numeric: tabular-nums;
}

.tip-row span:last-child:not(.key) {
  color: var(--muted);
}

.chart-caption {
  font-size: 0.8125rem;
  color: var(--muted);
  margin: 0;
}

/* ---------------------------------------------------------------- tables */

.table-wrap {
  overflow: auto;
  max-height: 420px;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  -webkit-overflow-scrolling: touch;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
  font-variant-numeric: tabular-nums;
}

.data-table th,
.data-table td {
  padding: 9px 12px;
  text-align: right;
  white-space: nowrap;
  border-bottom: 1px solid var(--border);
}

.data-table th:first-child,
.data-table td:first-child {
  text-align: left;
}

.data-table thead th {
  position: sticky;
  top: 0;
  background: var(--surface-2);
  font-weight: 650;
  color: var(--ink-2);
  font-size: 0.8125rem;
  z-index: 1;
}

.data-table tbody tr:last-child td {
  border-bottom: 0;
}

.data-table tbody tr:hover td {
  background: var(--accent-softer);
}

.data-table .neg {
  color: var(--danger);
}

.data-table tfoot td {
  font-weight: 700;
  background: var(--surface-2);
  position: sticky;
  bottom: 0;
}

/* ---------------------------------------------------------------- prose / explanation */

.content-section {
  margin-top: 40px;
  max-width: 760px;
}

.prose {
  color: var(--ink-2);
  font-size: 1.0625rem;
}

.prose h2 {
  margin-top: 1.6em;
}

.prose h2:first-child {
  margin-top: 0;
}

.prose ul,
.prose ol {
  padding-left: 1.25em;
  margin: 0 0 1em;
}

.prose li {
  margin-bottom: 0.4em;
}

.prose strong {
  color: var(--ink);
}

.formula {
  display: block;
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  margin: 0 0 1em;
  font-family: var(--mono);
  font-size: 0.9375rem;
  color: var(--ink);
  overflow-x: auto;
  white-space: nowrap;
}

.callout {
  background: var(--accent-softer);
  border: 1px solid var(--accent-soft);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  font-size: 0.9375rem;
  color: var(--ink-2);
  margin: 0 0 1em;
}

.faq details {
  border-bottom: 1px solid var(--border);
}

.faq summary {
  cursor: pointer;
  padding: 14px 0;
  font-weight: 650;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

.faq summary::after {
  content: '+';
  font-weight: 500;
  color: var(--muted);
  font-size: 1.25rem;
  line-height: 1;
}

.faq details[open] summary::after {
  content: '−';
}

.faq details p {
  margin: 0 0 14px;
}

/* ---------------------------------------------------------------- related tools */

.related {
  margin-top: 48px;
}

.related h2 {
  font-size: 1.125rem;
}

.tool-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 14px;
}

.tool-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 18px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  text-decoration: none;
  color: var(--ink);
  box-shadow: var(--shadow-sm);
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
}

.tool-card:hover {
  border-color: rgba(15, 143, 106, 0.5);
  box-shadow: var(--shadow);
  transform: translateY(-1px);
  color: var(--ink);
}

.tool-card h3 {
  margin: 0;
  font-size: 1rem;
}

.tool-card p {
  margin: 0;
  font-size: 0.875rem;
  color: var(--muted);
}

.tool-icon {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--accent-soft);
  color: var(--accent-ink);
  margin-bottom: 6px;
}

.tool-icon svg {
  width: 20px;
  height: 20px;
}

.tool-card .tag {
  margin-top: auto;
  padding-top: 8px;
  font-size: 0.75rem;
  font-weight: 650;
  color: var(--accent-ink);
}

/* ---------------------------------------------------------------- hub (index) */

.hub-hero {
  padding: 36px 0 8px;
  max-width: 760px;
}

.hub-hero h1 {
  font-size: clamp(2rem, 1.4rem + 2.8vw, 3.25rem);
  letter-spacing: -0.035em;
}

.search {
  position: relative;
  max-width: 560px;
  margin: 24px 0 12px;
}

.search svg {
  position: absolute;
  left: 16px;
  top: 50%;
  width: 20px;
  height: 20px;
  transform: translateY(-50%);
  color: var(--muted);
  pointer-events: none;
}

.search input {
  width: 100%;
  min-height: 54px;
  padding: 12px 16px 12px 48px;
  font: inherit;
  font-size: 1.0625rem;
  border: 1.5px solid var(--border-strong);
  border-radius: 999px;
  background: var(--surface);
  color: var(--ink);
  box-shadow: var(--shadow-sm);
  -webkit-appearance: none;
  appearance: none;
}

.search input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: var(--ring);
}

.popular {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--muted);
}

.popular a {
  display: inline-block;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--surface);
  border: 1px solid var(--border);
  text-decoration: none;
  color: var(--ink-2);
  font-weight: 550;
}

.popular a:hover {
  border-color: var(--accent);
  color: var(--accent-ink);
}

.category {
  margin-top: 36px;
}

.category-head {
  display: flex;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 14px;
}

.category-head h2 {
  margin: 0;
  font-size: 1.125rem;
}

.category-head p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9375rem;
}

.no-results {
  padding: 28px;
  text-align: center;
  color: var(--muted);
  background: var(--surface);
  border: 1px dashed var(--border-strong);
  border-radius: var(--radius);
  margin-top: 28px;
}

.trust {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin-top: 48px;
}

.trust div {
  padding: 18px;
  border-radius: var(--radius);
  background: var(--surface-2);
}

.trust h3 {
  font-size: 0.9375rem;
  margin-bottom: 4px;
}

.trust p {
  margin: 0;
  font-size: 0.875rem;
  color: var(--muted);
}

/* ---------------------------------------------------------------- debt rows */

.debt-list {
  display: grid;
  gap: 12px;
  margin-bottom: 12px;
}

.debt-row {
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  padding: 14px;
  background: var(--surface-2);
  border-radius: var(--radius-md);
  border: 1px solid transparent;
}

.debt-row.is-error {
  border-color: rgba(180, 35, 24, 0.35);
  background: var(--danger-soft);
}

.debt-row .field--name {
  grid-column: 1 / -1;
  padding-right: 44px;
}

.debt-row label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 4px;
}

.debt-row input {
  min-height: 44px !important;
  font-size: 1rem !important;
}

.debt-remove {
  position: absolute;
  top: 10px;
  right: 10px;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border: 0;
  border-radius: 50%;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
}

.debt-remove:hover {
  background: var(--surface-3);
  color: var(--danger);
}

.debt-remove svg {
  width: 16px;
  height: 16px;
}

@media (min-width: 560px) {
  .debt-row {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.order-list {
  list-style: none;
  counter-reset: order;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 6px;
  font-size: 0.875rem;
}

.order-list li {
  counter-increment: order;
  display: flex;
  justify-content: space-between;
  gap: 10px;
  padding: 7px 10px;
  border-radius: var(--radius-sm);
  background: var(--surface-2);
}

.order-list li span:first-child::before {
  content: counter(order) '. ';
  color: var(--muted);
  font-weight: 650;
}

.order-list li span:last-child {
  color: var(--muted);
  white-space: nowrap;
}

.strategy-grid {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  margin-bottom: 20px;
}

.strategy {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 14px;
}

.strategy h3 {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9375rem;
  margin-bottom: 8px;
}

.strategy dl {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2px 12px;
  margin: 0 0 10px;
  font-size: 0.875rem;
}

.strategy dt {
  color: var(--muted);
}

.strategy dd {
  margin: 0;
  text-align: right;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

/* ---------------------------------------------------------------- ad slots */

/* Collapsed by default: no box, no space, no margin. */
.ad-slot.hidden {
  display: none !important;
}

.ad-slot {
  margin: 0 auto;
  text-align: center;
  overflow: hidden;
}

.ads-on .ad-slot--leaderboard {
  max-width: 728px;
  min-height: 90px;
  margin: 16px auto 0;
}

.ads-on .ad-slot--infeed {
  min-height: 250px;
  margin: 32px 0 0;
}

.ads-on .ad-slot--sidebar {
  position: sticky;
  top: 80px;
  min-height: 600px;
  width: 300px;
}

/* ---------------------------------------------------------------- footer */

.site-footer {
  border-top: 1px solid var(--border);
  background: var(--surface);
  padding: 40px 0 28px;
  font-size: 0.9375rem;
  color: var(--muted);
}

.footer-grid {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
}

.site-footer h2 {
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--ink-2);
  margin-bottom: 10px;
}

.site-footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 6px;
}

.site-footer a {
  color: var(--muted);
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--accent-ink);
  text-decoration: underline;
}

.footer-note {
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  font-size: 0.8125rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
}

.footer-note p {
  margin: 0;
  max-width: 640px;
}

/* ---------------------------------------------------------------- toast */

.toast {
  position: fixed;
  left: 50%;
  bottom: 24px;
  z-index: 60;
  transform: translate(-50%, 16px);
  max-width: calc(100vw - 32px);
  padding: 12px 18px;
  background: var(--ink);
  color: #fff;
  border-radius: 999px;
  font-size: 0.9375rem;
  font-weight: 550;
  box-shadow: 0 10px 30px rgba(20, 32, 51, 0.25);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s, transform 0.2s;
}

.toast.is-visible {
  opacity: 1;
  transform: translate(-50%, 0);
}

/* ---------------------------------------------------------------- methodology */

.toc {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin-bottom: 32px;
}

.toc ol {
  margin: 0;
  padding-left: 1.2em;
  columns: 2 220px;
  font-size: 0.9375rem;
}

.method-block {
  scroll-margin-top: 84px;
  padding-top: 8px;
  margin-bottom: 36px;
}

/* ---------------------------------------------------------------- print */

@media print {
  .site-header,
  .site-footer,
  .ad-slot,
  .form-actions,
  .solve-btn,
  .related {
    display: none !important;
  }
  body {
    background: #fff;
  }
  .card {
    box-shadow: none;
  }
  details.breakdown {
    display: block;
  }
}

@media (forced-colors: active) {
  .chart .line,
  .chart .bar {
    forced-color-adjust: none;
  }
}

@media (max-width: 420px) {
  .summary-note {
    display: none;
  }
}

.debt-row .field-msg {
  grid-column: 1 / -1;
  margin: 0;
}