:root {
  --bg: #f4f6fb;
  --card: #ffffff;
  --ink: #1c2333;
  --muted: #67718a;
  --line: #e3e8f2;
  --accent: #4f7cff;
  --accent-ink: #ffffff;
  --good: #1d9a6c;
  --grid: #eef1f8;
  --tick: #8a93a8;
  --shadow: 0 1px 2px rgba(28, 35, 51, .06), 0 8px 24px rgba(28, 35, 51, .05);
  --radius: 12px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html, body { margin: 0; padding: 0; }
body {
  background: var(--bg);
  color: var(--ink);
  font: 15px/1.5 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* ---------- header ---------- */
.app-header {
  display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
  padding: 18px 28px 0;
  background: linear-gradient(180deg, #ffffff, var(--bg));
  border-bottom: 1px solid var(--line);
}
.brand h1 { margin: 0; font-size: 20px; letter-spacing: -0.2px; }
.rates-widget {
  margin-left: auto; font-size: 13px; color: var(--accent); text-decoration: none;
  background: var(--card); border: 1px solid var(--line); border-radius: 999px;
  padding: 6px 14px; box-shadow: var(--shadow); font-weight: 600;
}
.rates-widget:hover { border-color: var(--accent); }
.tabs { display: flex; gap: 4px; width: 100%; padding-top: 10px; }
.tabs button {
  border: none; background: none; font: inherit; color: var(--muted);
  padding: 10px 16px; cursor: pointer; border-bottom: 2px solid transparent;
}
.tabs button.active { color: var(--ink); font-weight: 600; border-bottom-color: var(--accent); }

/* ---------- layout ---------- */
main { padding: 22px 28px 60px; }
.tab-panel { display: flex; gap: 22px; align-items: flex-start; }
.sidebar { width: 270px; flex-shrink: 0; position: sticky; top: 16px; }
.main-col { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 18px; }
@media (max-width: 900px) {
  .tab-panel { flex-direction: column; }
  .sidebar { width: 100%; position: static; }
}

.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow); padding: 18px 20px;
}
.card h2 { margin: 0 0 10px; font-size: 15px; letter-spacing: .1px; }
.muted { color: var(--muted); }
.small { font-size: 12.5px; }

.definitions summary { cursor: pointer; font-weight: 600; font-size: 14px; }
.wealth-formula { text-align: center; font-size: 21px; font-weight: 650; margin: 14px 0 6px; letter-spacing: .2px; }
.definitions dl { margin: 6px 0 0; font-size: 13px; }
.definitions dt { font-weight: 600; margin-top: 8px; }
.definitions dd { margin: 1px 0 0; color: var(--muted); }
.definitions .def-group {
  margin: 18px 0 2px; font-size: 12px; font-weight: 700; letter-spacing: .6px;
  text-transform: uppercase; color: var(--accent);
  border-bottom: 1px solid var(--grid); padding-bottom: 4px;
}
.definitions .def-group + p { margin: 4px 0 0; }

/* ---------- scenario cards ---------- */
.scn-card {
  background: var(--card); border: 1px solid var(--line); border-left: 4px solid var(--accent);
  border-radius: 10px; box-shadow: var(--shadow);
  padding: 12px 14px; margin-bottom: 10px; cursor: pointer;
  transition: transform .08s ease;
}
.scn-card:hover { transform: translateY(-1px); }
.scn-card .scn-name { font-weight: 600; font-size: 14px; }
.scn-card .scn-sub { color: var(--muted); font-size: 12.5px; margin-top: 2px; }
.scn-card .scn-pay { font-size: 15px; margin-top: 6px; font-weight: 600; }
.scn-card .scn-breakdown { color: var(--muted); font-size: 11.5px; margin-top: 2px; }
.scn-card .scn-actions { margin-top: 8px; display: flex; gap: 6px; }
.scn-actions button {
  font-size: 11.5px; border: 1px solid var(--line); background: none; color: var(--muted);
  border-radius: 6px; padding: 2px 8px; cursor: pointer;
}
.scn-actions button:hover { color: var(--ink); border-color: var(--tick); }

/* ---------- controls ---------- */
.controls { display: flex; gap: 24px; align-items: flex-end; flex-wrap: wrap; }
.control-group { display: flex; flex-direction: column; gap: 6px; }
.control-label { font-size: 12px; color: var(--muted); }
.pills { display: flex; gap: 6px; flex-wrap: wrap; }
.pills button {
  font: inherit; font-size: 13px; padding: 6px 12px; cursor: pointer;
  border: 1px solid var(--line); background: var(--card); color: var(--muted); border-radius: 999px;
}
.pills button.active {
  background: var(--accent); color: var(--accent-ink); border-color: var(--accent); font-weight: 600;
}
input[type="range"] { width: 240px; accent-color: var(--accent); }
.btn {
  font: inherit; font-size: 13.5px; padding: 8px 14px; cursor: pointer;
  border: 1px solid var(--accent); background: var(--accent); color: var(--accent-ink);
  border-radius: 8px; font-weight: 600; margin-left: auto;
}
.btn:hover { filter: brightness(1.07); }
.btn-ghost { background: none; color: var(--accent); width: 100%; margin: 0; }
.preset-block { margin-top: 10px; }
.preset-block > p { margin: 0 0 6px; }
#preset-list { display: flex; flex-direction: column; gap: 6px; }
.preset-btn { font-weight: 500; font-size: 13px; padding: 6px 10px; border-style: dashed; }
#reset-btn {
  font: inherit; font-size: 13px; font-weight: 600; cursor: pointer;
  color: #c0392b; background: var(--card); border: 1px solid var(--line);
  border-radius: 999px; padding: 6px 14px; box-shadow: var(--shadow);
}
#reset-btn:hover { border-color: #c0392b; }
#ppi-table { margin: 10px 0 14px; }
#ppi-table th, #ppi-table td { text-align: center !important; }
#ppi-table tr.ppi-you td { font-weight: 700; background: rgba(79, 124, 255, 0.07); }
.verdict { font-size: 14.5px; }
.verdict b { color: var(--good); }
.rank-list { margin-top: 14px; border-top: 1px solid var(--grid); padding-top: 6px; }
table.rank-table { border-collapse: collapse; font-size: 14px; }
table.rank-table th {
  text-align: right; color: var(--muted); font-size: 11.5px; font-weight: 600;
  text-transform: uppercase; letter-spacing: .4px; padding: 4px 18px 4px 0;
}
table.rank-table th:nth-child(2), table.rank-table td.rank-name { text-align: left; }
table.rank-table td { padding: 4px 18px 4px 0; }
table.rank-table td.rank-pos { color: var(--muted); font-size: 12px; text-align: right; width: 16px; }
table.rank-table td.rank-name i {
  display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 7px;
}
table.rank-table td.rank-val { text-align: right; font-weight: 600; font-variant-numeric: tabular-nums; }
table.rank-table td.rank-behind { text-align: right; color: var(--muted); font-variant-numeric: tabular-nums; }
.rank-best { color: var(--good); font-weight: 700; font-size: 11px; text-transform: uppercase; letter-spacing: .5px; }

/* ---------- charts ---------- */
.chart { position: relative; }
.chart svg { width: 100%; height: auto; display: block; }
.chart .grid { stroke: var(--grid); stroke-width: 1; }
.chart .tick { fill: var(--tick); font-size: 11px; }
.chart .series-line { fill: none; stroke-width: 2.5; stroke-linejoin: round; }
.chart .series-area { opacity: .8; }
.chart .crosshair { stroke: var(--tick); stroke-dasharray: 3 3; }
.chart .marker { stroke: var(--ink); stroke-dasharray: 5 4; opacity: .45; }
.chart .marker-label { fill: var(--muted); font-size: 11px; }
.chart-tip {
  position: absolute; pointer-events: none; z-index: 5;
  background: rgba(28, 35, 51, .92); color: #fff; font-size: 12px;
  border-radius: 8px; padding: 8px 10px; min-width: 150px;
}
.chart-tip .tip-title { font-weight: 600; margin-bottom: 4px; opacity: .8; }
.chart-tip i {
  display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px;
}
.chart-tip b { float: right; margin-left: 12px; }
.chart-legend { display: flex; gap: 16px; font-size: 12.5px; color: var(--muted); margin-bottom: 6px; flex-wrap: wrap; }
.chart-legend i { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; }

/* ---------- summary table ---------- */
.table-wrap { overflow-x: auto; }
table.summary { border-collapse: collapse; width: 100%; font-size: 13.5px; }
table.summary th, table.summary td { padding: 7px 12px; text-align: right; border-bottom: 1px solid var(--grid); }
table.summary th:first-child, table.summary td:first-child { text-align: left; color: var(--muted); font-weight: 500; }
table.summary thead th { color: var(--ink); border-bottom: 2px solid var(--line); }
table.summary thead th i { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; }
table.summary td.best { color: var(--good); font-weight: 700; }
table.summary tr.active-metric { background: #f6f9ff; }
table.summary tr.active-metric td:first-child { color: var(--ink); font-weight: 600; }
table.summary tr.group td {
  text-align: left; font-weight: 700; color: var(--ink); font-size: 12px;
  text-transform: uppercase; letter-spacing: .6px; padding-top: 16px;
}
table.summary tr.formula-total td { border-top: 2px solid var(--line); font-weight: 600; }

/* ---------- amortization ---------- */
details.amort-block { margin-bottom: 6px; }
details.amort-block summary { cursor: pointer; font-size: 14px; padding: 6px 0; }
table.amort { border-collapse: collapse; width: 100%; font-size: 12px; font-variant-numeric: tabular-nums; }
table.amort th, table.amort td { padding: 3px 8px; text-align: right; border-bottom: 1px solid var(--grid); }
table.amort th { position: sticky; top: 0; background: var(--card); }
.amort-scroll { max-height: 380px; overflow-y: auto; margin-top: 6px; border: 1px solid var(--line); border-radius: 8px; }

/* ---------- editor slide-over ---------- */
.overlay {
  position: fixed; inset: 0; background: rgba(20, 26, 40, .4); z-index: 20;
  display: flex; justify-content: flex-end;
}
.panel {
  width: 420px; max-width: 95vw; height: 100%; overflow-y: auto;
  background: var(--card); box-shadow: -12px 0 40px rgba(0,0,0,.18);
  padding: 22px 24px 40px; animation: slidein .18s ease;
}
@keyframes slidein { from { transform: translateX(40px); opacity: .5; } to { transform: none; opacity: 1; } }
.panel h2 { margin: 0 0 4px; font-size: 17px; }
.panel h3 {
  font-size: 12px; text-transform: uppercase; letter-spacing: .8px;
  color: var(--muted); margin: 22px 0 8px; border-bottom: 1px solid var(--line); padding-bottom: 4px;
}
.panel label.field { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin: 7px 0; font-size: 13.5px; }
.panel label.field span.hint { color: var(--muted); font-size: 12px; }
.panel input[type="text"], .panel input[type="number"], .panel select {
  font: inherit; font-size: 13.5px; padding: 6px 9px; width: 150px;
  border: 1px solid var(--line); border-radius: 7px; background: #fbfcfe; color: var(--ink);
}
.panel input:focus, .panel select:focus { outline: 2px solid var(--accent); outline-offset: -1px; }
.panel .row-btns { display: flex; gap: 8px; margin-top: 20px; }
.onetime-row { display: flex; gap: 6px; align-items: center; margin: 5px 0; font-size: 13px; }
.onetime-row input { width: 100px !important; }
.link-btn { background: none; border: none; color: var(--accent); font: inherit; font-size: 13px; cursor: pointer; padding: 0; }
.danger { color: #c0392b; }

/* ---------- calculators ---------- */
.calc-grid { display: flex; flex-wrap: wrap; gap: 18px; width: 100%; }
.calc-card { flex: 1; min-width: 0; }
.loan-stats { display: flex; flex-wrap: wrap; gap: 10px 28px; margin: 6px 0 16px; }
.loan-stats .stat { display: flex; flex-direction: column; font-size: 13px; color: var(--muted); }
.loan-stats .stat b { font-size: 17px; color: var(--ink); }
.calc-form { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 18px; margin: 14px 0; }
.calc-form label { display: flex; align-items: center; justify-content: space-between; gap: 8px; font-size: 13.5px; }
.calc-form input {
  font: inherit; font-size: 13.5px; padding: 6px 9px; width: 120px;
  border: 1px solid var(--line); border-radius: 7px; background: #fbfcfe;
}
#ppi-verdict { margin: 10px 0 14px; padding: 12px 14px; background: #f6f9ff; border-radius: 8px; }

.inline-select { font: inherit; font-size: 13px; margin-left: 8px; border: 1px solid var(--line); border-radius: 6px; padding: 3px 6px; }

.disclaimer {
  padding: 18px 28px 30px; color: var(--muted); font-size: 12.5px;
  border-top: 1px solid var(--line); text-align: center;
}

@media print {
  .sidebar, .tabs, .controls, .rates-widget, .btn, #reset-btn { display: none !important; }
  .card { box-shadow: none; break-inside: avoid; }
}