/* Mortgage Calculator. Warm paper, one emerald accent, mono numerals. */

:root {
  --paper: #f6f3ec;
  --surface: #ffffff;
  --ink: #1c1917;
  --muted: #6b645a;
  --faint: #a8a094;
  --line: #e4ded0;
  --accent: #0b6e4f;
  --accent-deep: #084f39;
  --accent-soft: #e2efe7;
  --amber: #b45309;
  --amber-soft: #f7ead9;
  --danger: #b3261e;
  --radius: 14px;
  --font-head: "Outfit", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-num: "JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, monospace;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
}

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }

h1, h2, h3 { font-family: var(--font-head); letter-spacing: -0.02em; line-height: 1.2; margin: 0 0 0.5em; }
h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 700; }
h2 { font-size: 1.35rem; font-weight: 600; }
h3 { font-size: 1.05rem; font-weight: 600; }

p { margin: 0 0 1em; }

/* ---------- header ---------- */

.site-header { padding: 56px 0 8px; }
.kicker {
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 12px;
}
.lede { font-size: 1.1rem; color: var(--muted); max-width: 65ch; }

/* ---------- panels ---------- */

.panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 20px 40px -28px rgba(28, 25, 23, 0.25);
}

.calc-grid {
  display: grid;
  grid-template-columns: minmax(300px, 5fr) 7fr;
  gap: 20px;
  margin: 32px 0 20px;
  align-items: start;
}

.results-col { display: grid; gap: 20px; }

/* ---------- form fields ---------- */

.field { margin-bottom: 20px; }
.field:last-child { margin-bottom: 0; }

.field-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 8px;
}
.field-head label, .field > label, .field-label {
  font-weight: 600;
  font-size: 0.95rem;
  display: block;
  margin-bottom: 8px;
}
.field-head label { margin-bottom: 0; }
.field-value {
  font-family: var(--font-num);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--accent-deep);
  white-space: nowrap;
}

.input-row { display: grid; grid-template-columns: 1fr 130px; gap: 12px; align-items: center; }

input[type="number"] {
  font-family: var(--font-num);
  font-size: 0.95rem;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--paper);
  color: var(--ink);
  width: 100%;
}
input[type="number"]:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
  border-color: var(--accent);
}

.hint { font-size: 0.85rem; color: var(--muted); margin: 6px 0 0; }
.hint-inline { font-weight: 400; color: var(--muted); }

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 28px;
  background: transparent;
  cursor: pointer;
  margin: 0;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 3px;
  background: linear-gradient(to right, var(--accent) 0%, var(--accent) var(--fill, 50%), var(--line) var(--fill, 50%), var(--line) 100%);
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--surface);
  border: 2px solid var(--accent);
  margin-top: -7px;
  transition: transform 120ms ease-out;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-track { height: 6px; border-radius: 3px; background: var(--line); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 3px; background: var(--accent); }
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--surface); border: 2px solid var(--accent);
}

.segmented { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; }
.segmented button {
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 10px 0;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--paper);
  color: var(--muted);
  cursor: pointer;
  transition: background-color 150ms ease-out, color 150ms ease-out, border-color 150ms ease-out;
}
.segmented button:hover { border-color: var(--accent); color: var(--accent-deep); }
.segmented button.active {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}
.segmented button:active { transform: scale(0.97); }

.check-row { display: flex; gap: 10px; align-items: flex-start; }
.check-row input[type="checkbox"] {
  width: 20px; height: 20px; margin-top: 3px; flex: none;
  accent-color: var(--accent);
}
.check-row label { font-weight: 600; font-size: 0.95rem; }

.sub {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--muted);
  margin: 28px 0 16px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

/* ---------- results ---------- */

.payment-panel .result-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--muted);
  margin: 0 0 4px;
}
.payment-total {
  font-family: var(--font-num);
  font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 600;
  letter-spacing: -0.03em;
  color: var(--accent-deep);
  margin: 0 0 20px;
}

.stacked-bar {
  display: flex;
  height: 14px;
  border-radius: 7px;
  overflow: hidden;
  background: var(--paper);
  margin-bottom: 16px;
}
.stacked-bar span { display: block; height: 100%; transition: width 250ms ease-out; }

.breakdown-list { list-style: none; margin: 0 0 20px; padding: 0; }
.breakdown-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 7px 0;
  border-bottom: 1px solid var(--line);
  font-size: 0.95rem;
}
.breakdown-list li:last-child { border-bottom: none; }
.dot { width: 10px; height: 10px; border-radius: 50%; flex: none; }
.breakdown-list .name { flex: 1; }
.breakdown-list .amt { font-family: var(--font-num); font-weight: 600; }

.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; margin: 0; }
.stats > div { padding: 10px 0; border-top: 1px solid var(--line); }
.stats dt { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 2px; }
.stats dd { margin: 0; font-family: var(--font-num); font-weight: 600; font-size: 1.05rem; }

.speedup {
  margin-top: 20px;
  background: var(--accent-soft);
  border-radius: 10px;
  padding: 18px 20px;
}
.speedup h3 { color: var(--accent-deep); margin-bottom: 8px; }
.speedup .stats > div { border-top-color: rgba(11, 110, 79, 0.2); }

/* ---------- chart ---------- */

.chart-wrap { position: relative; height: 300px; }
.chart-wrap canvas { width: 100%; height: 100%; display: block; }
.legend { display: flex; gap: 20px; margin-top: 12px; font-size: 0.85rem; color: var(--muted); }
.legend-item { display: flex; align-items: center; gap: 8px; }
.swatch { width: 22px; height: 4px; border-radius: 2px; display: inline-block; }
.sw-base { background: var(--amber); }
.sw-extra { background: var(--accent); }

/* ---------- schedule table ---------- */

.schedule-panel { margin-bottom: 20px; }
.table-scroll { overflow-x: auto; margin-top: 16px; }
table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
thead th {
  text-align: left;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
  padding: 10px 12px;
  border-bottom: 2px solid var(--line);
  position: sticky;
  top: 0;
  background: var(--surface);
}
tbody td { padding: 9px 12px; border-bottom: 1px solid var(--line); }
tbody tr.year-row { cursor: pointer; }
tbody tr.year-row:hover td { background: var(--paper); }
.num { font-family: var(--font-num); text-align: right; font-variant-numeric: tabular-nums; }
thead th.num { text-align: right; }
tr.month-row td { background: var(--paper); font-size: 0.85rem; color: var(--muted); }
tr.month-row td.num { color: var(--ink); }
.expand-btn {
  font-family: var(--font-num);
  font-size: 0.8rem;
  color: var(--accent);
  background: none;
  border: none;
  cursor: pointer;
  padding: 2px 6px;
  border-radius: 6px;
}
.expand-btn:hover { background: var(--accent-soft); }

/* ---------- refinance ---------- */

.refi-panel { margin-bottom: 20px; }
.refi-grid { display: grid; grid-template-columns: 1fr 1fr 1.2fr; gap: 28px; margin-top: 16px; }
.refi-grid .field label { font-size: 0.9rem; }
.refi-results {
  background: var(--paper);
  border-radius: 10px;
  padding: 20px;
}
.refi-verdict { font-weight: 600; margin: 12px 0 0; color: var(--accent-deep); }
.refi-verdict.bad { color: var(--danger); }

/* ---------- guide copy ---------- */

.guide { max-width: 72ch; margin: 48px auto; padding: 0 4px; }
.guide h2 { font-size: 1.5rem; margin: 2em 0 0.6em; }
.guide h2:first-child { margin-top: 0; }
.guide h3 { font-size: 1.1rem; margin: 1.6em 0 0.4em; color: var(--accent-deep); }
.guide p { color: #35302a; }

/* ---------- disclaimer / footer ---------- */

.disclaimer {
  border: 1px solid var(--amber);
  background: var(--amber-soft);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin-bottom: 32px;
}
.disclaimer h2 { font-size: 1rem; color: var(--amber); margin-bottom: 6px; }
.disclaimer p { margin: 0; font-size: 0.92rem; color: #5b4a33; }

.site-footer { padding: 24px 0 48px; color: var(--faint); font-size: 0.85rem; }
.site-footer p { margin: 0; }

.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap;
}

:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }

/* ---------- responsive ---------- */

@media (max-width: 900px) {
  .calc-grid { grid-template-columns: 1fr; }
  .refi-grid { grid-template-columns: 1fr; }
  .panel { padding: 20px; }
  .site-header { padding: 36px 0 4px; }
  .input-row { grid-template-columns: 1fr 110px; }
  .stats { grid-template-columns: 1fr 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}