/* Compound calculators — brand stylesheet (no external dependencies) */
:root{
  --sage:#5F8D64;
  --sage-dark:#3E6B44;
  --sage-deep:#2E5233;
  --sage-soft:#EBF2EA;
  --terra:#C4703F;
  --terra-dark:#A5572D;
  --terra-soft:#FAEDE3;
  --ink:#262A23;
  --muted:#6C7066;
  --bg:#FBFAF6;
  --card:#FFFFFF;
  --line:#E6E3D8;
  --radius:14px;
  --maxw:1120px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font);
  background:var(--bg);
  color:var(--ink);
  line-height:1.65;
  font-size:16.5px;
  -webkit-font-smoothing:antialiased;
}
/* ---------- header ---------- */
.site-header{
  background:var(--card);
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:50;
}
.site-header .inner{
  max-width:var(--maxw);margin:0 auto;padding:0.85rem 1.25rem;
  display:flex;align-items:center;gap:1rem;flex-wrap:wrap;
}
.brand{display:flex;align-items:center;gap:0.6rem;text-decoration:none;color:var(--ink)}
.brand-mark{
  width:34px;height:34px;border-radius:10px;flex:0 0 34px;
  background:linear-gradient(135deg,var(--sage) 0%,var(--sage-dark) 60%,var(--terra) 130%);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:800;font-size:1.05rem;
}
.brand-name{font-weight:800;font-size:1.15rem;letter-spacing:-0.01em}
.brand-name em{font-style:normal;color:var(--sage-dark)}
.main-nav{margin-left:auto;display:flex;gap:0.15rem;flex-wrap:wrap}
.main-nav a{
  text-decoration:none;color:var(--muted);font-size:0.86rem;font-weight:600;
  padding:0.45rem 0.7rem;border-radius:8px;white-space:nowrap;
}
.main-nav a:hover{background:var(--sage-soft);color:var(--sage-deep)}
.main-nav a.active{background:var(--sage-dark);color:#fff}
/* ---------- layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}
.hero{
  background:linear-gradient(180deg,var(--sage-soft) 0%,var(--bg) 100%);
  padding:3.2rem 0 2.6rem;text-align:center;
}
.hero h1{font-size:2.35rem;letter-spacing:-0.02em;line-height:1.2;margin-bottom:0.7rem}
.hero h1 .accent{color:var(--terra-dark)}
.hero p.lede{max-width:640px;margin:0 auto;color:var(--muted);font-size:1.08rem}
.section{padding:2.4rem 0}
.section h2{font-size:1.5rem;letter-spacing:-0.01em;margin-bottom:0.4rem}
.section .sub{color:var(--muted);margin-bottom:1.4rem;max-width:680px}
/* ---------- cards ---------- */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.tool-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.35rem;text-decoration:none;color:var(--ink);
  display:flex;flex-direction:column;gap:0.55rem;
  transition:transform .12s ease,box-shadow .12s ease;
}
.tool-card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(62,107,68,.12)}
.tool-card .icon{
  width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  font-size:1.35rem;background:var(--sage-soft);
}
.tool-card:nth-child(even) .icon{background:var(--terra-soft)}
.tool-card h3{font-size:1.08rem;letter-spacing:-0.01em}
.tool-card p{color:var(--muted);font-size:0.93rem;flex:1}
.tool-card .go{color:var(--sage-dark);font-weight:700;font-size:0.92rem}
.tool-card:hover .go{color:var(--terra-dark)}
/* ---------- how-to strip ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.step{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.3rem;
}
.step .n{
  width:32px;height:32px;border-radius:50%;background:var(--sage-dark);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:0.6rem;
}
.step h3{font-size:1.02rem;margin-bottom:0.35rem}
.step p{color:var(--muted);font-size:0.93rem}
/* ---------- calculator layout ---------- */
.calc-head{padding:2.2rem 0 1.2rem}
.calc-head h1{font-size:2rem;letter-spacing:-0.02em;margin-bottom:0.5rem}
.calc-head p{color:var(--muted);max-width:700px}
.calc-grid{
  display:grid;grid-template-columns:360px 1fr;gap:1.25rem;align-items:start;
  margin-bottom:1.5rem;
}
.panel{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.35rem;
}
.panel h2{font-size:1.05rem;margin-bottom:1rem;letter-spacing:-0.01em}
.field{margin-bottom:1.05rem}
.field label{display:block;font-weight:650;font-size:0.9rem;margin-bottom:0.35rem}
.field .hint{font-size:0.8rem;color:var(--muted);font-weight:400;display:block;margin-top:0.15rem}
.field input[type=number],.field input[type=text]{
  width:100%;padding:0.6rem 0.7rem;border:1.5px solid var(--line);border-radius:9px;
  font-size:1rem;font-family:var(--font);background:#fff;color:var(--ink);
}
.field input:focus{outline:none;border-color:var(--sage)}
.field input[type=range]{width:100%;accent-color:var(--sage-dark);margin-top:0.4rem}
.input-row{display:flex;gap:0.5rem;align-items:center}
.input-row .prefix{
  background:var(--sage-soft);border:1.5px solid var(--line);border-right:none;
  padding:0.6rem 0.7rem;border-radius:9px 0 0 9px;font-weight:700;color:var(--sage-deep);
}
.input-row input{border-radius:0 9px 9px 0 !important}
.results{display:flex;flex-direction:column;gap:1.25rem;min-width:0}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.stat{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.1rem 1.2rem;
}
.stat .k{font-size:0.8rem;color:var(--muted);font-weight:650;text-transform:uppercase;letter-spacing:0.04em}
.stat .v{font-size:1.55rem;font-weight:800;letter-spacing:-0.02em;margin-top:0.15rem}
.stat .v.green{color:var(--sage-dark)}
.stat .v.orange{color:var(--terra-dark)}
.stat .d{font-size:0.82rem;color:var(--muted);margin-top:0.1rem}
.chart-box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem}
.chart-box h3{font-size:1rem;margin-bottom:0.6rem}
.chart-box canvas{width:100%;display:block}
.legend{display:flex;gap:1.2rem;flex-wrap:wrap;margin-top:0.6rem;font-size:0.85rem;color:var(--muted)}
.legend span{display:inline-flex;align-items:center;gap:0.4rem}
.dot{width:12px;height:12px;border-radius:3px;display:inline-block}
/* ---------- tables ---------- */
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--card);max-height:340px;overflow-y:auto}
table{width:100%;border-collapse:collapse;font-size:0.9rem}
th,td{padding:0.6rem 0.8rem;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{background:var(--sage-soft);color:var(--sage-deep);font-weight:700;position:sticky;top:0}
tbody tr:nth-child(even){background:#FCFBF8}
/* ---------- explainer ---------- */
.explainer{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.8rem;margin:1.5rem 0;
}
.explainer h2{font-size:1.35rem;margin:1.4rem 0 0.5rem;letter-spacing:-0.01em}
.explainer h2:first-child{margin-top:0}
.explainer p{margin-bottom:0.9rem;color:#3A3D35}
.explainer ul{margin:0 0 0.9rem 1.3rem;color:#3A3D35}
.explainer li{margin-bottom:0.4rem}
.explainer .math{
  background:var(--sage-soft);border-left:4px solid var(--sage-dark);
  padding:0.9rem 1.1rem;border-radius:0 10px 10px 0;margin:1rem 0;
  font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:0.92rem;
}
.sources{font-size:0.85rem;color:var(--muted);margin-top:1rem}
.sources a{color:var(--sage-dark)}
.disclaimer{
  background:var(--terra-soft);border:1px solid #EAD3BD;border-radius:var(--radius);
  padding:1rem 1.2rem;font-size:0.88rem;color:#6E4A2F;margin:1.5rem 0;
}
/* ---------- debt rows ---------- */
.debt-row{
  border:1px solid var(--line);border-radius:10px;padding:0.8rem;margin-bottom:0.7rem;background:#FCFBF8;
}
.debt-row .row-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:0.5rem}
.debt-row .row-head strong{font-size:0.92rem}
.debt-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0.5rem}
.debt-grid label{font-size:0.76rem;color:var(--muted);font-weight:650;display:block;margin-bottom:0.2rem}
.debt-grid input{width:100%;padding:0.45rem 0.5rem;border:1.5px solid var(--line);border-radius:8px;font-size:0.92rem}
.btn{
  display:inline-block;border:none;cursor:pointer;font-family:var(--font);
  padding:0.6rem 1.1rem;border-radius:9px;font-weight:700;font-size:0.92rem;
}
.btn-add{background:var(--sage-soft);color:var(--sage-deep)}
.btn-add:hover{background:#DCE8DB}
.btn-del{background:none;color:var(--terra-dark);padding:0.2rem 0.5rem;font-size:0.85rem}
.btn-del:hover{text-decoration:underline}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.compare .panel h3{font-size:1rem;margin-bottom:0.6rem}
.winner{border:2px solid var(--sage-dark) !important}
/* ---------- footer ---------- */
.site-footer{border-top:1px solid var(--line);margin-top:2rem;background:var(--card)}
.site-footer .inner{max-width:var(--maxw);margin:0 auto;padding:1.6rem 1.25rem;color:var(--muted);font-size:0.86rem}
.site-footer nav{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:0.8rem}
.site-footer nav a{color:var(--sage-dark);text-decoration:none;font-weight:600}
.site-footer nav a:hover{text-decoration:underline}
/* ---------- responsive ---------- */
@media (max-width:920px){
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .calc-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .compare{grid-template-columns:1fr}
}
@media (max-width:600px){
  .card-grid{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr}
  .hero h1{font-size:1.8rem}
  .calc-head h1{font-size:1.55rem}
  .main-nav a{font-size:0.8rem;padding:0.35rem 0.5rem}
}