/* ===== Design tokens ===== */
:root{
  --navy: #0f2a4a;
  --navy-light: #1c3f6b;
  --blue: #2563eb;
  --blue-dark: #1d4ed8;
  --teal: #0ea5a3;
  --amber: #f59e0b;
  --bg: #f6f8fb;
  --card: #ffffff;
  --border: #e2e8f0;
  --text: #1e2b3c;
  --text-muted: #5b6b7f;
  --radius: 10px;
  --shadow: 0 1px 3px rgba(15,42,74,.08), 0 8px 24px rgba(15,42,74,.06);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font);
  color:var(--text);
  background:var(--bg);
  line-height:1.55;
}
.container{max-width:1140px;margin:0 auto;padding:0 20px;}
a{color:var(--blue);text-decoration:none;}
a:hover{text-decoration:underline;}
img{max-width:100%;}

.skip-link{position:absolute;left:-999px;top:0;background:#fff;padding:10px;z-index:200;}
.skip-link:focus{left:10px;top:10px;}

/* ===== Header / Nav ===== */
.site-header{
  background:var(--navy);
  position:sticky;top:0;z-index:100;
  box-shadow:0 2px 10px rgba(0,0,0,.12);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px;}
.brand{color:#fff;font-weight:800;font-size:1.25rem;letter-spacing:.2px;}
.brand:hover{text-decoration:none;color:#fff;}
.main-nav ul{display:flex;flex-wrap:wrap;gap:2px;list-style:none;margin:0;padding:0;}
.main-nav a{
  display:block;color:#cfe0f5;padding:10px 12px;border-radius:8px;font-size:.92rem;font-weight:600;
}
.main-nav a:hover,.main-nav a.active{background:rgba(255,255,255,.12);color:#fff;text-decoration:none;}
.nav-toggle{display:none;background:none;border:0;width:40px;height:34px;flex-direction:column;justify-content:space-between;cursor:pointer;padding:4px;}
.nav-toggle span{display:block;height:3px;background:#fff;border-radius:2px;}

@media (max-width:900px){
  .nav-toggle{display:flex;}
  .main-nav{
    display:none;position:absolute;left:0;right:0;top:64px;background:var(--navy-light);
    box-shadow:0 8px 20px rgba(0,0,0,.2);
  }
  .main-nav.open{display:block;}
  .main-nav ul{flex-direction:column;padding:10px;}
  .main-nav a{padding:12px 14px;}
}

/* ===== Hero ===== */
.hero{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 55%,var(--blue) 130%);
  color:#fff;padding:48px 0 56px;
}
.hero h1{font-size:clamp(1.7rem,3.4vw,2.5rem);margin:0 0 10px;font-weight:800;}
.hero p.lede{font-size:1.05rem;color:#dce7f7;max-width:680px;margin:0;}
.breadcrumb{font-size:.82rem;color:#b9cae4;margin-bottom:14px;}
.breadcrumb a{color:#b9cae4;}
.breadcrumb a:hover{color:#fff;}

/* ===== Layout for calculator pages ===== */
.calc-wrap{
  display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);
  gap:28px;margin:-32px 0 40px;align-items:start;
}
@media (max-width:920px){ .calc-wrap{grid-template-columns:1fr;margin-top:20px;} }

.card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:26px 26px 28px;
}
.card h2{margin-top:0;font-size:1.25rem;}

/* Form styling */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px;}
.form-grid .full{grid-column:1 / -1;}
@media (max-width:560px){ .form-grid{grid-template-columns:1fr;} }

.field label{display:block;font-size:.82rem;font-weight:700;color:var(--text-muted);margin-bottom:6px;text-transform:uppercase;letter-spacing:.03em;}
.field input[type=number],
.field input[type=text],
.field select{
  width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:8px;
  font-size:.98rem;background:#fbfcfe;color:var(--text);
}
.field input:focus,.field select:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue);}
.field .hint{font-size:.76rem;color:var(--text-muted);margin-top:4px;}

.radio-row{display:flex;flex-wrap:wrap;gap:10px;}
.radio-row label{
  display:flex;align-items:center;gap:6px;border:1px solid var(--border);border-radius:8px;
  padding:8px 12px;font-size:.88rem;cursor:pointer;background:#fbfcfe;
}
.radio-row input{margin:0;}

.btn{
  display:inline-block;background:var(--blue);color:#fff;border:0;padding:13px 22px;
  border-radius:8px;font-size:1rem;font-weight:700;cursor:pointer;width:100%;margin-top:6px;
  transition:background .15s ease;
}
.btn:hover{background:var(--blue-dark);}
.btn-secondary{background:transparent;color:var(--blue);border:1px solid var(--blue);}
.btn-secondary:hover{background:#eef4ff;}

/* Results panel */
.results{position:sticky;top:84px;}
.results-card{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy-light) 100%);
  color:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;
}
.results-card h2{margin-top:0;color:#fff;font-size:1.1rem;text-transform:uppercase;letter-spacing:.04em;color:#bcd0ea;}
.result-figure{font-size:2.4rem;font-weight:800;margin:2px 0 4px;}
.result-sub{color:#bcd0ea;font-size:.85rem;margin-bottom:18px;}
.result-split{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px;}
.result-split .box{background:rgba(255,255,255,.08);border-radius:8px;padding:12px 14px;}
.result-split .box .label{font-size:.72rem;color:#bcd0ea;text-transform:uppercase;letter-spacing:.03em;}
.result-split .box .val{font-size:1.25rem;font-weight:700;margin-top:2px;}

.breakdown{margin-top:18px;border-top:1px solid rgba(255,255,255,.15);padding-top:14px;}
.breakdown table{width:100%;border-collapse:collapse;font-size:.86rem;}
.breakdown td{padding:5px 0;color:#dce7f7;}
.breakdown td:last-child{text-align:right;font-weight:700;color:#fff;}

.note-card{margin-top:16px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px;font-size:.85rem;color:var(--text-muted);}

/* Content sections below calculator */
.content-section{padding:36px 0;}
.content-section h2{font-size:1.5rem;margin-bottom:6px;}
.content-section h3{font-size:1.15rem;margin:22px 0 8px;color:var(--navy);}
.content-section p{color:var(--text-muted);max-width:820px;}
.content-section ul{color:var(--text-muted);max-width:820px;}

.two-col{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
@media (max-width:800px){ .two-col{grid-template-columns:1fr;} }

.faq-item{border-bottom:1px solid var(--border);padding:16px 0;}
.faq-item h3{margin:0 0 6px;font-size:1.02rem;}
.faq-item p{margin:0;}

/* Tool grid on hub page */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin-top:10px;}
.tool-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;
  box-shadow:var(--shadow);display:block;color:var(--text);
}
.tool-card:hover{text-decoration:none;border-color:var(--blue);transform:translateY(-2px);transition:.15s;}
.tool-card h3{margin:0 0 6px;font-size:1.05rem;color:var(--navy);}
.tool-card p{margin:0;font-size:.87rem;color:var(--text-muted);}

/* Amortization table */
.table-wrap{overflow-x:auto;margin-top:16px;border:1px solid var(--border);border-radius:8px;}
table.amort{width:100%;border-collapse:collapse;font-size:.85rem;min-width:640px;}
table.amort th{background:var(--navy);color:#fff;text-align:right;padding:10px 12px;position:sticky;top:0;}
table.amort th:first-child, table.amort td:first-child{text-align:left;}
table.amort td{padding:8px 12px;text-align:right;border-bottom:1px solid var(--border);}
table.amort tr:nth-child(even){background:#f8fafc;}
table.amort tr.year-total{background:#eef4ff;font-weight:700;}

.disclaimer{background:#fff8e6;border:1px solid #f3d98b;color:#7a5b00;border-radius:8px;padding:12px 16px;font-size:.82rem;margin-top:20px;}

.badge{display:inline-block;background:#eef4ff;color:var(--blue-dark);font-size:.72rem;font-weight:700;padding:3px 9px;border-radius:20px;text-transform:uppercase;letter-spacing:.03em;}

footer.site-footer{background:var(--navy);color:#cfe0f5;margin-top:40px;}
.footer-inner{display:grid;grid-template-columns:1.2fr 1fr;gap:36px;padding:40px 0 20px;}
@media (max-width:760px){ .footer-inner{grid-template-columns:1fr;} }
.footer-inner h2{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.04em;margin-bottom:12px;}
.footer-links{list-style:none;margin:0;padding:0;columns:2;}
.footer-links li{margin-bottom:8px;}
.footer-links a{color:#cfe0f5;font-size:.88rem;}
.footer-links a:hover{color:#fff;}
.footer-inner p{font-size:.85rem;color:#b9cae4;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:14px 0;font-size:.78rem;color:#93a9c6;}

.hidden{display:none;}