:root{
  --bg:#F2F4F7;
  --paper:#FFFFFF;
  --panel:#EAEEF2;
  --border:#D8DFE6;
  --ink:#1B2A3A;
  --ink-soft:#5B6B7C;
  --ink-faint:#8B98A6;
  --gold:#C99A3E;
  --gold-deep:#A87D2C;
  --gold-tint:#F6ECD6;
  --good:#2F7D6B;
  --good-tint:#E4F1EC;
  --bad:#B14A3E;
  --bad-tint:#F7E7E3;
  --radius:6px;
  --display: 'Space Grotesk', ui-sans-serif, system-ui, sans-serif;
  --body: 'Inter', ui-sans-serif, system-ui, sans-serif;
}

*{box-sizing:border-box;}
html{color-scheme:light;}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--body);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important;}
}

.wrap{ max-width:1000px; margin:0 auto; padding:0 24px; }
a{ color:var(--gold-deep); }

/* ---------- Header ---------- */
.site-head{
  border-bottom:1px solid var(--border);
  padding:18px 0;
  background:var(--paper);
}
.site-head .wrap{ display:flex; align-items:center; justify-content:space-between; }
.brand{
  font-family:var(--display);
  font-weight:700;
  font-size:18px;
  letter-spacing:-0.01em;
  display:flex; align-items:center; gap:9px;
  text-decoration:none;
  color:var(--ink);
}
.brand-mark{
  width:20px; height:20px;
  border-radius:50%;
  background:conic-gradient(from 220deg, var(--gold), var(--gold-tint) 60%, var(--gold));
  display:inline-block;
  flex-shrink:0;
}
.tag-line{
  font-size:12.5px;
  color:var(--ink-faint);
  font-family:var(--body);
}

/* ---------- Hero ---------- */
.hero{ padding:60px 24px 36px; }
.eyebrow{
  font-family:var(--display);
  font-size:12.5px;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold-deep);
  margin:0 0 16px;
}
.hero h1{
  font-family:var(--display);
  font-weight:700;
  font-size:clamp(30px, 4.6vw, 48px);
  line-height:1.1;
  letter-spacing:-0.015em;
  margin:0 0 18px;
  max-width:15ch;
  color:var(--ink);
}
.hero-sub{
  color:var(--ink-soft);
  max-width:58ch;
  font-size:16.5px;
  margin:0;
}

/* ---------- Hub grid ---------- */
.hub-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:16px;
  margin:8px 0 0;
}
@media (max-width:760px){ .hub-grid{ grid-template-columns:1fr; } }
.hub-card{
  display:block;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:22px;
  background:var(--paper);
  text-decoration:none;
  color:inherit;
  transition:border-color .15s ease, transform .15s ease;
}
.hub-card:hover{ border-color:var(--gold); transform:translateY(-1px); }
.hub-card .hub-tag{
  font-family:var(--display);
  font-size:11px;
  letter-spacing:0.08em;
  text-transform:uppercase;
  color:var(--gold-deep);
  background:var(--gold-tint);
  padding:3px 8px;
  border-radius:3px;
  display:inline-block;
}
.hub-card h3{
  font-family:var(--display);
  font-size:17px;
  margin:14px 0 8px;
  color:var(--ink);
}
.hub-card p{
  font-size:13.5px;
  color:var(--ink-soft);
  margin:0;
  line-height:1.5;
}

/* ---------- Tool page head ---------- */
.tool-page-head{ padding:44px 24px 8px; }
.breadcrumb{
  font-family:var(--display);
  font-size:13px;
  color:var(--ink-faint);
  text-decoration:none;
  display:inline-block;
  margin-bottom:20px;
}
.breadcrumb:hover{ color:var(--gold-deep); }
.tool-page-head h1{
  font-family:var(--display);
  font-weight:700;
  font-size:clamp(26px, 3.6vw, 38px);
  letter-spacing:-0.01em;
  margin:0 0 14px;
  color:var(--ink);
}
.tool-page-head .lede{
  color:var(--ink-soft);
  max-width:62ch;
  font-size:16px;
  margin:0;
}

/* ---------- Debt input table ---------- */
.desk{ padding:28px 24px 8px; }
.debt-panel{
  background:var(--paper);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:24px;
}
.panel-title{
  font-family:var(--display);
  font-weight:600;
  font-size:14px;
  letter-spacing:0.02em;
  color:var(--ink);
  margin-bottom:16px;
}
.debt-table{
  width:100%;
  border-collapse:collapse;
}
.debt-table th{
  text-align:left;
  font-family:var(--display);
  font-size:11px;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--ink-faint);
  padding:0 8px 8px 0;
  font-weight:600;
}
.debt-table td{
  padding:6px 8px 6px 0;
  vertical-align:middle;
}
.debt-table input{
  width:100%;
  background:var(--bg);
  border:1px solid var(--border);
  color:var(--ink);
  font-family:var(--body);
  font-size:14px;
  padding:9px 10px;
  border-radius:4px;
}
.debt-table input:focus{
  outline:none;
  border-color:var(--gold);
  box-shadow:0 0 0 1px var(--gold);
}
.debt-table .col-name{ width:26%; }
.debt-table .col-num{ width:16%; }
.debt-table .col-remove{ width:36px; }
.remove-row{
  background:none;
  border:none;
  color:var(--ink-faint);
  font-size:18px;
  cursor:pointer;
  line-height:1;
  padding:6px;
}
.remove-row:hover{ color:var(--bad); }
.add-row-btn{
  font-family:var(--display);
  font-size:13px;
  font-weight:600;
  color:var(--gold-deep);
  background:var(--gold-tint);
  border:none;
  border-radius:4px;
  padding:9px 16px;
  cursor:pointer;
  margin-top:12px;
}
.add-row-btn:hover{ background:#EFE0BC; }

.controls-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin-top:22px;
  padding-top:20px;
  border-top:1px dashed var(--border);
}
@media (max-width:600px){ .controls-row{ grid-template-columns:1fr; } }
.field label{
  display:block;
  font-family:var(--display);
  font-size:11px;
  color:var(--ink-faint);
  text-transform:uppercase;
  letter-spacing:0.05em;
  margin-bottom:6px;
}
.field input{
  width:100%;
  background:var(--bg);
  border:1px solid var(--border);
  color:var(--ink);
  font-family:var(--body);
  font-size:15px;
  padding:10px 12px;
  border-radius:4px;
}
.method-toggle{
  display:flex;
  border:1px solid var(--border);
  border-radius:4px;
  overflow:hidden;
}
.method-toggle button{
  flex:1;
  background:var(--bg);
  border:none;
  padding:10px 12px;
  font-family:var(--display);
  font-size:13.5px;
  font-weight:600;
  color:var(--ink-soft);
  cursor:pointer;
}
.method-toggle button.active{
  background:var(--ink);
  color:#fff;
}

/* ---------- Results ---------- */
.results{ margin-top:28px; }
.results-headline{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:14px;
  margin-bottom:22px;
}
@media (max-width:700px){ .results-headline{ grid-template-columns:1fr; } }
.stat-card{
  background:var(--paper);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px 20px;
}
.stat-card .stat-label{
  font-family:var(--display);
  font-size:11px;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--ink-faint);
  margin-bottom:8px;
}
.stat-card .stat-value{
  font-family:var(--display);
  font-weight:700;
  font-size:26px;
  color:var(--ink);
  font-variant-numeric:tabular-nums;
}
.stat-card.highlight{ background:var(--gold-tint); border-color:var(--gold); }
.stat-card.highlight .stat-value{ color:var(--gold-deep); }

.compare-callout{
  background:var(--good-tint);
  border:1px solid var(--good);
  border-radius:var(--radius);
  padding:16px 20px;
  font-size:14.5px;
  color:#1E5145;
  margin-bottom:22px;
}
.compare-callout strong{ color:var(--good); }
.compare-callout.neutral{
  background:var(--panel);
  border-color:var(--border);
  color:var(--ink-soft);
}
.compare-callout.neutral strong{ color:var(--ink); }

.warn-callout{
  background:var(--bad-tint);
  border:1px solid var(--bad);
  border-radius:var(--radius);
  padding:16px 20px;
  font-size:14.5px;
  color:#7A2F26;
  margin-bottom:22px;
}

/* ---------- Signature: payoff path ---------- */
.payoff-path-wrap{
  background:var(--paper);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:24px;
  margin-bottom:22px;
}
.payoff-path-wrap .panel-title{ margin-bottom:4px; }
.payoff-path-sub{
  font-size:12.5px;
  color:var(--ink-faint);
  margin-bottom:18px;
}
.payoff-path-svg{ width:100%; height:auto; display:block; }

/* ---------- Order table ---------- */
.order-table{
  width:100%;
  border-collapse:collapse;
  font-size:14px;
}
.order-table th{
  text-align:left;
  font-family:var(--display);
  font-size:11px;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--ink-faint);
  padding:0 10px 10px 0;
  border-bottom:1px solid var(--border);
}
.order-table td{
  padding:10px 10px 10px 0;
  border-bottom:1px solid var(--border);
  color:var(--ink);
  font-variant-numeric:tabular-nums;
}
.order-table tr:last-child td{ border-bottom:none; }
.order-table .rank{
  font-family:var(--display);
  font-weight:700;
  color:var(--gold-deep);
}

.disclaimer{
  font-size:12.5px;
  color:var(--ink-faint);
  max-width:72ch;
  margin:20px 0 0;
  line-height:1.6;
}

/* ---------- Article / FAQ ---------- */
.article{ padding:16px 24px 8px; }
.article h2{
  font-family:var(--display);
  font-weight:700;
  font-size:16px;
  color:var(--ink);
  margin:36px 0 14px;
}
.article p{
  color:var(--ink);
  max-width:68ch;
  font-size:15px;
  line-height:1.7;
  margin:0 0 14px;
}
.article code{
  font-family:var(--display);
  background:var(--panel);
  padding:1px 6px;
  border-radius:3px;
  color:var(--gold-deep);
  font-size:0.9em;
}

.faq{ padding:8px 24px 8px; }
.faq-item{ border-bottom:1px solid var(--border); padding:16px 0; }
.faq-item summary{
  cursor:pointer;
  font-family:var(--display);
  font-weight:600;
  font-size:15px;
  color:var(--ink);
  list-style:none;
  display:flex; justify-content:space-between; align-items:center; gap:12px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{ content:'+'; color:var(--gold-deep); font-size:19px; flex-shrink:0; }
.faq-item[open] summary::after{ content:'–'; }
.faq-item p{ color:var(--ink-soft); font-size:14px; line-height:1.6; margin:12px 0 0; max-width:64ch; }

.section-label{
  font-family:var(--display);
  font-size:13px;
  font-weight:700;
  letter-spacing:0.04em;
  text-transform:uppercase;
  color:var(--ink-faint);
  margin:0 0 14px;
}

/* ---------- Action buttons (print / export) ---------- */
.action-row{
  display:flex;
  gap:10px;
  margin:18px 0 0;
  flex-wrap:wrap;
}
.action-btn{
  font-family:var(--display);
  font-size:13.5px;
  font-weight:600;
  color:var(--ink);
  background:var(--paper);
  border:1px solid var(--border);
  border-radius:4px;
  padding:9px 16px;
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  gap:7px;
}
.action-btn:hover{ border-color:var(--gold); }
.action-btn.primary{
  background:var(--ink);
  color:#fff;
  border-color:var(--ink);
}
.action-btn.primary:hover{ background:#2A3E52; }

/* ---------- Printable sheet (fridge version) ---------- */
.print-only{ display:none; }

@media print{
  .site-head, .breadcrumb, .article, .faq, .site-foot,
  .debt-panel, .action-row, .desk > p.disclaimer,
  .results-headline, .compare-callout, .payoff-path-wrap,
  .warn-callout, .tool-page-head .lede{
    display:none !important;
  }
  body{ background:#fff; }
  .wrap{ max-width:100%; padding:0; }
  .print-only{
    display:block !important;
    padding:24px;
  }
  .print-sheet-title{
    font-family:var(--display);
    font-weight:700;
    font-size:24px;
    margin:0 0 4px;
  }
  .print-sheet-sub{
    font-size:13px;
    color:var(--ink-soft);
    margin:0 0 20px;
  }
  .print-stats{
    display:flex;
    gap:24px;
    margin-bottom:24px;
    padding-bottom:16px;
    border-bottom:2px solid var(--ink);
  }
  .print-stats div{ font-size:13px; }
  .print-stats .big{
    font-family:var(--display);
    font-weight:700;
    font-size:22px;
    display:block;
    margin-top:2px;
  }
  .print-order-list{ list-style:none; margin:0; padding:0; }
  .print-order-list li{
    display:flex;
    align-items:center;
    gap:14px;
    padding:12px 0;
    border-bottom:1px solid #ccc;
    font-size:14px;
  }
  .print-checkbox{
    width:18px; height:18px;
    border:2px solid var(--ink);
    flex-shrink:0;
  }
  .print-order-list .p-name{ font-weight:600; flex:1; }
  .print-order-list .p-date{ color:var(--ink-soft); }
}

/* ---------- Footer ---------- */
.site-foot{
  border-top:1px solid var(--border);
  padding:26px 0 46px;
  margin-top:30px;
}
.site-foot span{ font-size:13px; color:var(--ink-faint); }
.site-foot a{ color:var(--ink-faint); text-decoration:underline; }
.site-foot a:hover{ color:var(--gold-deep); }