/* MoneyCalcly - shared styles (no frameworks) */
:root{
  --accent:#0f766e;--accent-dark:#115e59;--accent-soft:#e6f4f2;
  --accent2:#d97706;--accent2-soft:#fef3c7;
  --text:#111827;--muted:#374151;--subtle:#4b5563;--bg:#fff;--soft:#f6f8f9;--border:#d6dde3;--error:#b42318;
  --radius:12px;--max:1120px;--header-h:64px
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 16px)}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:17px;color:var(--text);background:var(--bg);line-height:1.65}
a{color:var(--accent)}a:hover{color:var(--accent-dark)}
.container{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
.skip-link{position:absolute;left:-999px}.skip-link:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:20}

/* Header & navigation */
.site-header{border-bottom:1px solid var(--border);background:#fff;position:sticky;top:0;z-index:10}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:var(--header-h);gap:1rem}
.logo{display:flex;align-items:center;gap:.55rem;font-weight:800;text-decoration:none;color:var(--text);font-size:1.2rem;letter-spacing:-.01em}
.logo-text span{color:var(--accent)}
.nav-toggle{display:none;background:#fff;border:1px solid var(--border);border-radius:8px;padding:.45rem .8rem;font-size:1rem;cursor:pointer;color:var(--text)}
.menu{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:.25rem}
.menu>li>a,.dd-btn{display:flex;align-items:center;gap:.35rem;padding:.5rem .7rem;border-radius:8px;text-decoration:none;color:var(--muted);font-size:.95rem;font-weight:600;background:none;border:0;cursor:pointer;font-family:inherit}
.menu>li>a:hover,.dd-btn:hover,.dd.open>.dd-btn,.dd.active>.dd-btn,.menu>li>a[aria-current]{color:var(--accent);background:var(--accent-soft)}
.dd{position:relative}
.dd-btn svg{transition:transform .15s}.dd.open .dd-btn svg{transform:rotate(180deg)}
.dd-menu{display:none;position:absolute;left:0;top:calc(100% + 6px);min-width:250px;list-style:none;margin:0;padding:.4rem;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 12px 28px rgba(17,24,39,.12)}
.dd.open .dd-menu{display:block}
.dd-menu a{display:block;padding:.5rem .7rem;border-radius:6px;text-decoration:none;color:var(--text);font-size:.95rem}
.dd-menu a:hover,.dd-menu a[aria-current]{background:var(--accent-soft);color:var(--accent-dark)}

main{padding:1.5rem 0 3rem}
.breadcrumbs ol{list-style:none;padding:0;margin:0 0 .5rem;display:flex;flex-wrap:wrap;gap:.25rem;font-size:.9rem;color:var(--subtle)}
.breadcrumbs li+li::before{content:"\203A";margin-right:.25rem}
h1{font-size:clamp(1.8rem,4vw,2.5rem);line-height:1.2;margin:.25rem 0 .75rem;letter-spacing:-.015em}
h2{font-size:1.4rem;margin-top:2.25rem;line-height:1.3}h3{font-size:1.15rem}
p,li{font-size:1.0625rem}
.intro{color:var(--muted);font-size:1.125rem;max-width:760px}

/* Ad slots: hidden until <body class="ads-on"> */
.ad-slot{display:none}
body.ads-on .ad-slot{display:flex;background:var(--soft);border:1px dashed var(--border);color:#6b7280;text-align:center;font-size:.8rem;min-height:90px;align-items:center;justify-content:center;margin:1.5rem 0;border-radius:var(--radius)}

/* Calculator layout: balanced columns */
.calc{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:1.5rem;align-items:start;margin-top:1.5rem}
.calc.wide{grid-template-columns:1fr}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.5rem;min-width:0}
.calc>form{position:sticky;top:calc(var(--header-h) + 16px)}
.field{margin-bottom:1rem}
label{display:block;font-weight:600;margin-bottom:.35rem;font-size:1rem;color:var(--text)}
.hint{font-weight:400;color:var(--subtle);font-size:.9rem}
input[type=text],select{width:100%;padding:.7rem .8rem;font-size:1.0625rem;border:1px solid #b8c2cc;border-radius:8px;background:#fff;color:var(--text);font-family:inherit}
input:focus,select:focus,button:focus-visible{outline:3px solid rgba(15,118,110,.35);outline-offset:1px;border-color:var(--accent)}
input[aria-invalid=true]{border-color:var(--error)}
.inline{display:flex;gap:.5rem}.inline input{flex:1;min-width:0}.inline select{width:auto}
.check{display:flex;gap:.5rem;align-items:center;font-weight:500}
.error{color:var(--error);font-size:.9rem;display:block}
.buttons{display:flex;gap:.75rem;margin-top:1.25rem;flex-wrap:wrap}
button{font-size:1rem;padding:.75rem 1.4rem;border-radius:8px;cursor:pointer;border:1px solid var(--accent);font-weight:700;font-family:inherit}
.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-dark)}
.btn-secondary{background:#fff;color:var(--accent)}.btn-secondary:hover{background:var(--accent-soft)}
.btn-link{background:none;border:none;color:var(--error);padding:0;font-size:.95rem;font-weight:500}
.results h2{margin-top:0}
.placeholder{color:var(--subtle)}
.form-error{color:var(--error);background:#fef3f2;border:1px solid #fecdca;padding:.75rem;border-radius:8px}
.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin:0}
.result{background:var(--soft);border-radius:8px;padding:.75rem 1rem;min-width:0}
.result dt{font-size:.9rem;color:var(--muted)}.result dd{margin:0;font-size:1.25rem;font-weight:700;overflow-wrap:anywhere}
.result.primary{grid-column:1/-1;background:var(--accent);color:#fff}.result.primary dt{color:#d1fae5}.result.primary dd{font-size:2.1rem}

/* Charts */
.charts{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;margin-top:1.25rem}
.chart{margin:0;background:var(--soft);border-radius:10px;padding:.9rem;min-width:0}
.chart figcaption{font-weight:700;font-size:.95rem;margin-bottom:.5rem;color:var(--text)}
.chart svg{width:100%;height:auto;display:block}
.donut-wrap{display:flex;gap:1rem;align-items:center;flex-wrap:wrap}.donut-wrap svg{width:130px;flex:0 0 130px}
.legend{list-style:none;padding:0;margin:0;font-size:.9rem;flex:1;min-width:150px}.legend li{font-size:.9rem;margin:.15rem 0}
.legend .pct{color:var(--subtle)}
.legend-inline{font-size:.9rem;margin:.4rem 0 0}
.key{display:inline-block;width:.8rem;height:.8rem;border-radius:3px;margin:0 .35rem 0 .2rem;vertical-align:-1px}

/* Tables */
.table-wrap{max-height:420px;overflow:auto;border:1px solid var(--border);border-radius:8px}
table{width:100%;border-collapse:collapse;font-size:.95rem;font-variant-numeric:tabular-nums}
th,td{padding:.5rem .75rem;text-align:right;border-bottom:1px solid var(--border);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--soft)}
caption{text-align:left;font-weight:600;padding:.5rem .75rem}

/* Content */
.content{max-width:780px}
.formula{background:var(--soft);padding:.75rem 1rem;border-radius:8px;font-family:ui-monospace,Menlo,Consolas,monospace;overflow-x:auto}
.example{border-left:4px solid var(--accent2);padding:.25rem 1rem;margin:1rem 0;background:#fff}
.faq{border:1px solid var(--border);border-radius:8px;padding:.75rem 1rem;margin:.5rem 0}
.faq summary{cursor:pointer;font-weight:600}
.placeholder-box{background:var(--accent2-soft);border:1px solid #fcd34d;padding:1rem;border-radius:8px;margin:1rem 0}
.related ul{padding-left:1.2rem}
.share{margin-top:1rem}.copy-status{font-size:.9rem;color:var(--subtle);word-break:break-all}
.debt-row{border:1px solid var(--border);border-radius:8px;padding:.75rem 1rem;margin:0 0 1rem}
.debt-row legend{font-weight:700;padding:0 .3rem}
.row-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 .75rem}
.compare{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem}
.strategy{padding:1rem}.strategy h3{margin-top:0}
.verdict{font-size:1.05rem}

/* Homepage */
.hero{padding:1rem 0 .5rem}
.group-title{font-size:1.2rem;margin:2rem 0 .75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-size:.95rem}
.tool-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem;list-style:none;padding:0;margin:0}
.tool-grid li{display:flex}
.tool-grid a{display:flex;flex-direction:column;width:100%;text-decoration:none;color:var(--text);border:1px solid var(--border);border-radius:var(--radius);padding:1.25rem;transition:border-color .15s,box-shadow .15s,transform .15s;background:#fff}
.tool-grid a:hover{border-color:var(--accent);box-shadow:0 8px 20px rgba(15,118,110,.12);transform:translateY(-2px)}
.icon-wrap{display:inline-flex;width:48px;height:48px;align-items:center;justify-content:center;border-radius:12px;background:var(--accent-soft);color:var(--accent);margin-bottom:.75rem}
.tool-grid li:nth-child(even) .icon-wrap{background:var(--accent2-soft);color:var(--accent2)}
.tool-grid h3{margin:0 0 .35rem;font-size:1.1rem}
.tool-grid p{margin:0 0 .75rem;color:var(--muted);font-size:.98rem;flex:1}
.go{font-weight:700;color:var(--accent);font-size:.95rem}

/* Footer */
.site-footer{border-top:1px solid var(--border);background:var(--soft);padding:1.75rem 0;font-size:.95rem;color:var(--muted)}
.site-footer ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.25rem 1rem;margin:0 0 .75rem}
.site-footer li,.site-footer p{font-size:.95rem}
.site-footer a{color:var(--muted)}.trust-links a{font-weight:600;color:var(--text)}

@media (max-width:1000px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:900px){
  .calc{grid-template-columns:1fr}.calc>form{position:static}
  .nav-toggle{display:block}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 12px 24px rgba(17,24,39,.08);max-height:calc(100vh - var(--header-h));overflow-y:auto;padding:.5rem 1.25rem 1rem}
  .site-nav.open{display:block}
  .header-inner{position:relative}
  .menu{flex-direction:column;align-items:stretch}
  .menu>li>a,.dd-btn{width:100%;justify-content:space-between;padding:.75rem .5rem;font-size:1rem}
  .dd-menu{position:static;box-shadow:none;border:0;padding:0 0 .5rem .75rem;min-width:0}
}
@media (max-width:560px){
  body{font-size:16px}
  .tool-grid{grid-template-columns:1fr}
  .result-grid{grid-template-columns:1fr}.buttons button{flex:1}
  .card{padding:1.1rem}.row-grid{grid-template-columns:1fr}
}
@media print{
  .site-header,.site-footer,.ad-slot,.breadcrumbs,.content,.calc>form,.no-print,.intro,h1,.charts,.chart,.share{display:none!important}
  .calc{display:block}.card{border:none;padding:0}.table-wrap{max-height:none;overflow:visible;border:none}
  thead th{position:static}.result.primary{background:#fff;color:#000;border:1px solid #000}.result.primary dt{color:#000}
}
.tool-grid h2{margin:0 0 .35rem;font-size:1.1rem}
.tag{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--subtle);margin-bottom:.25rem}
.results-col{min-width:0}
.result-disclaimer{margin-top:.75rem;background:var(--accent2-soft);border:1px solid #fcd34d;border-left:4px solid var(--accent2);border-radius:8px;padding:.75rem 1rem;font-size:.95rem;color:var(--text);line-height:1.5}
@media print{.result-disclaimer{display:block!important;border:1px solid #000;background:#fff}}

fieldset.group{border:1px solid var(--border);border-radius:var(--radius);padding:.75rem 1rem .25rem;margin:0 0 1rem}
fieldset.group legend{font-weight:700;padding:0 .3rem}
.dd-menu{max-height:calc(100vh - 80px);overflow-y:auto}
.est-badge{display:inline-block;margin-left:.35rem;padding:.05rem .4rem;border-radius:6px;background:#fef3c7;color:#92400e;font-size:.75rem;font-weight:700;vertical-align:middle}.est-note{background:#fffbeb;border-left:3px solid #d97706;padding:.5rem .75rem}