/* ToolName — clean, fast, trust-forward calculator styling.
   Light, high-contrast, mobile-first. No frameworks. */

:root{
  --bg:#f6f8fb; --card:#ffffff; --ink:#0f172a; --muted:#64748b; --line:#e6eaf0;
  --brand:#2563eb; --brand-dk:#1d4ed8; --good:#059669; --warn:#d97706;
  --shadow:0 1px 2px rgba(15,23,42,.04),0 8px 24px rgba(15,23,42,.06);
  --radius:14px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
.wrap{max-width:1040px;margin:0 auto;padding:0 18px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1{font-size:2rem;margin:.6em 0 .2em;letter-spacing:-.02em}
h2{font-size:1.3rem;margin:0 0 .4em;letter-spacing:-.01em}
h3{font-size:1.05rem;margin:0 0 .4em}
.muted{color:var(--muted)}
.small{font-size:.85rem}
.lede{font-size:1.08rem;color:#334155;max-width:70ch;margin:.2em 0 1.4em}

/* header / footer */
.site-head{background:#fff;border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;height:58px}
.logo{font-weight:800;font-size:1.15rem;color:var(--ink)}
.crumbs{font-size:.85rem;color:var(--muted)}
.crumbs span{margin:0 4px;color:#cbd5e1}
.site-foot{margin-top:48px;border-top:1px solid var(--line);background:#fff;color:var(--muted);font-size:.9rem}
.site-foot .wrap{padding:20px 18px}

/* layout */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:20px}
@media(max-width:760px){.calc-grid{grid-template-columns:1fr}h1{font-size:1.6rem}}

/* inputs */
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}
.ip{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;
  background:#fbfcfe;overflow:hidden;transition:border-color .15s}
.ip:focus-within{border-color:var(--brand)}
.ip .pre,.ip .post{padding:0 10px;color:var(--muted);font-weight:600;background:#f1f5f9;align-self:stretch;display:flex;align-items:center}
.ip input{flex:1;border:0;background:transparent;padding:11px 12px;font-size:1.05rem;color:var(--ink);width:100%;outline:none}
.select{width:100%;padding:11px 12px;font-size:1.05rem;border:1.5px solid var(--line);border-radius:10px;background:#fbfcfe;color:var(--ink);outline:none;cursor:pointer}
.select:focus{border-color:var(--brand)}
.hint{font-size:.82rem;color:var(--muted);margin-top:5px}
.link{border:0;background:none;color:var(--brand);cursor:pointer;font-size:.82rem;padding:0;text-decoration:underline}

/* segmented control */
.seg{display:flex;gap:6px}
.seg button{flex:1;padding:10px;border:1.5px solid var(--line);background:#fbfcfe;border-radius:10px;
  font-weight:600;color:var(--muted);cursor:pointer;transition:.12s}
.seg button.on{background:var(--brand);border-color:var(--brand);color:#fff}
.extra{margin-top:8px;border-top:1px dashed var(--line);padding-top:10px}
.extra summary{cursor:pointer;font-weight:600;color:var(--brand);font-size:.92rem}
.extra .field{margin-top:12px}

/* results */
.results{display:flex;flex-direction:column}
.big-out{text-align:center;padding:6px 0 14px;border-bottom:1px solid var(--line);margin-bottom:14px}
.big-label{color:var(--muted);font-size:.9rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.big-value{font-size:2.6rem;font-weight:800;color:var(--brand-dk);letter-spacing:-.02em;line-height:1.1;margin:4px 0}
.big-sub{color:var(--muted);font-size:.92rem}
.breakdown{list-style:none;margin:0 0 14px;padding:0}
.breakdown li{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px dashed var(--line);font-size:.96rem}
.breakdown li span{color:#475569}
.totals{display:grid;gap:8px;background:#f8fafc;border-radius:10px;padding:12px}
.totals div{display:flex;justify-content:space-between;font-size:.95rem}
.totals span{color:var(--muted)}
.interpret{margin:14px 0 0;padding:12px 14px;background:#eff6ff;border-left:3px solid var(--brand);border-radius:8px;font-size:.95rem;color:#1e293b}

/* chart */
.chart-card .chart-box{width:100%}
canvas{display:block;width:100%}

/* compare table */
.table-scroll{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:right;padding:11px 10px;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
thead th{color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
tr.cur{background:#eff6ff}
tr.cur td{font-weight:700}

/* formula */
.formula{font-size:1.3rem;text-align:center;padding:16px;background:#f8fafc;border-radius:10px;margin:10px 0}
.frac{display:inline-flex;flex-direction:column;vertical-align:middle;text-align:center;margin:0 4px}
.frac span:first-child{border-bottom:2px solid var(--ink);padding:0 8px 2px}
.frac span:last-child{padding:2px 8px 0}
.formula-vals{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}
.formula-vals code{background:#0f172a;color:#e2e8f0;padding:6px 10px;border-radius:7px;font-size:.88rem}
.formula-vals code.hl{background:var(--good)}

/* hub / index */
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:8px 0 8px}
@media(max-width:760px){.hub-grid{grid-template-columns:1fr}}
.hub-card{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px;color:var(--ink);transition:transform .12s,box-shadow .12s}
.hub-card:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(15,23,42,.1);text-decoration:none}
.hub-emoji{font-size:2rem;margin-bottom:6px}
.hub-card h2{font-size:1.15rem;margin:0 0 6px}
.hub-card p{color:#475569;font-size:.95rem;margin:0 0 14px;flex:1}
.hub-go{color:var(--brand);font-weight:600;font-size:.92rem}

/* prose / faq / trust */
.prose{max-width:75ch;margin:8px auto 0}
.prose h2{margin-top:28px}
.prose ol,.prose ul{padding-left:1.2em}
.prose li{margin:.3em 0}
.faq{border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin:8px 0;background:#fff}
.faq summary{cursor:pointer;font-weight:600}
.faq p{margin:.6em 0 0;color:#334155}
.trust{margin-top:24px;background:#f8fafc;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.trust ul{margin:.4em 0}
.disclaimer{color:var(--warn)}
abbr{cursor:help;text-decoration:underline dotted}

/* debt rows (snowball/avalanche) */
.debt-row{display:grid;grid-template-columns:1.3fr 1fr .8fr 1fr auto;gap:8px;align-items:center;margin-bottom:8px}
.debt-row .d-name{border:1.5px solid var(--line);border-radius:10px;background:#fbfcfe;padding:11px 12px;font-size:.95rem;color:var(--ink);outline:none;min-width:0}
.debt-row .d-name:focus{border-color:var(--brand)}
.debt-row .ip input{padding:11px 8px;font-size:.95rem}
.d-del{border:1.5px solid var(--line);background:#fff;color:var(--muted);border-radius:10px;width:38px;height:42px;cursor:pointer;font-size:.9rem}
.d-del:hover{border-color:#dc2626;color:#dc2626}
.add-debt{margin-top:6px;border:1.5px dashed var(--brand);background:#eff6ff;color:var(--brand-dk);border-radius:10px;padding:10px;width:100%;cursor:pointer;font-weight:600;font-size:.92rem}
.add-debt:hover{background:#dbeafe}
.debt-head{display:grid;grid-template-columns:1.3fr 1fr .8fr 1fr auto;gap:8px;font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-weight:600;margin-bottom:6px;padding:0 2px}
@media(max-width:760px){.debt-row,.debt-head{grid-template-columns:1fr 1fr;}.debt-head{display:none}}

/* ===================== Calcora premium theme upgrade ===================== */
:root{
  --brand:#4f46e5; --brand-dk:#4338ca;
  --ink:#0b1220; --muted:#5b6b84; --line:#e7ebf3;
  --radius:16px;
  --shadow:0 1px 2px rgba(16,24,40,.04), 0 14px 34px -12px rgba(16,24,40,.14);
  --brand-grad:linear-gradient(135deg,#6366f1,#4f46e5 55%,#4338ca);
}
body{
  background:
    radial-gradient(1100px 460px at 100% -8%, rgba(99,102,241,.07), transparent 60%),
    radial-gradient(820px 460px at -8% 2%, rgba(5,150,105,.05), transparent 55%),
    var(--bg);
}
/* sticky, frosted header with gradient hairline */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.82);
  -webkit-backdrop-filter:saturate(180%) blur(12px);backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--line)}
.site-head::before{content:"";position:absolute;left:0;right:0;top:0;height:2px;background:var(--brand-grad)}
.site-head .wrap{position:relative}
/* brand lockup */
.logo{display:inline-flex;align-items:center;gap:9px;font-weight:800;letter-spacing:-.02em;font-size:1.18rem;color:var(--ink)}
.logo:hover{text-decoration:none}
.logo-mark{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;
  border-radius:9px;background:var(--brand-grad);color:#fff;font-weight:800;font-size:.98rem;letter-spacing:0;
  box-shadow:0 5px 14px -3px rgba(79,70,229,.55)}
/* typography polish */
h1{letter-spacing:-.03em;font-weight:800}
.lede{color:#334155}
/* cards + hover accents */
.card{border-color:var(--line)}
.hub-card{transition:transform .16s cubic-bezier(.4,0,.2,1), box-shadow .16s, border-color .16s}
.hub-card:hover{border-color:rgba(79,70,229,.35)}
.hub-emoji{filter:saturate(1.05)}
/* segmented control + emphasis */
.seg button.on{background:var(--brand-grad);border-color:transparent;box-shadow:0 5px 14px -4px rgba(79,70,229,.55)}
.ip:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px rgba(79,70,229,.12)}
.interpret{background:linear-gradient(180deg,#eef2ff,#f6f7ff);border-left:3px solid var(--brand)}
tr.cur{background:#eef2ff}
.trust{background:linear-gradient(180deg,#f8fafc,#f4f6fb)}
.add-debt{border-color:var(--brand);background:#eef2ff;color:var(--brand-dk)}
.add-debt:hover{background:#e0e7ff}
/* accessibility: visible focus */
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{
  outline:2px solid var(--brand);outline-offset:2px;border-radius:6px}
/* section rhythm */
.calc-grid{gap:20px}
.card{padding:22px}
@media(max-width:760px){.card{padding:18px}}

/* Collapsible "show the formula" section — closed by default (zero-friction result up top) */
details.formula-card > summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:.5rem}
details.formula-card > summary::-webkit-details-marker{display:none}
details.formula-card > summary::before{content:"\25B8";color:var(--brand);font-weight:700;transition:transform .15s ease}
details.formula-card[open] > summary::before{transform:rotate(90deg)}
details.formula-card > summary h2{display:inline;margin:0}
details.formula-card > summary:hover h2{color:var(--brand)}