/* main.css — Amortely design system.
   Calm paper tones, evergreen primary, ochre for interest, tabular numbers
   everywhere figures appear. No external fonts or assets: fully offline. */

:root {
  --paper: #F5F3EC;
  --paper-deep: #EDEAE0;
  --panel: #FFFFFF;
  --ink: #26231E;
  --ink-soft: #5B564B;
  --ink-faint: #8D8779;
  --line: #E6E1D4;
  --line-strong: #D6D0BF;

  --green-900: #12362C;
  --green-700: #1C5744;
  --green-600: #236A53;
  --green-300: #9CC4B2;
  --green-100: #E4EFE8;
  --green-50: #F0F6F1;

  --interest: #C98A2C;
  --interest-deep: #9A6216;
  --interest-soft: #F4E7CF;

  --principal: #2E7D5B;
  --extra-blue: #5E6FCE;
  --extra-soft: #E7EAF8;

  --baseline: #A29A8B;
  --danger: #A93E2A;
  --danger-soft: #F9E9E4;
  --focus-ring: #2C6E8F;

  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(38, 35, 30, 0.05), 0 10px 30px rgba(38, 35, 30, 0.07);
  --shadow-lift: 0 2px 4px rgba(38, 35, 30, 0.07), 0 16px 40px rgba(38, 35, 30, 0.1);

  --font-ui: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-display: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --font-mono: ui-monospace, "SF Mono", SFMono-Regular, Menlo, Consolas, monospace;

  --wrap: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-ui);
  color: var(--ink);
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(35, 106, 83, 0.07), transparent 60%),
    radial-gradient(900px 420px at -10% 0%, rgba(201, 138, 44, 0.06), transparent 55%),
    var(--paper);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 22px;
}

.num { font-variant-numeric: tabular-nums; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  background: var(--green-700);
  color: #fff;
  padding: 10px 16px;
  border-radius: 8px;
  z-index: 50;
}
.skip-link:focus { left: 12px; color: #fff; }

/* ---------- Header ---------- */
.site-header {
  padding: 30px 0 10px;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}
.brand { display: flex; align-items: center; gap: 14px; }
.brand-mark {
  width: 46px;
  height: 46px;
  border-radius: 13px;
  background: linear-gradient(145deg, var(--green-600), var(--green-900));
  display: grid;
  place-items: center;
  box-shadow: var(--shadow);
  flex: none;
}
.brand h1 {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 600;
  letter-spacing: 0.01em;
  margin: 0;
  line-height: 1.15;
}
.tagline {
  margin: 2px 0 0;
  color: var(--ink-soft);
  font-size: 13.5px;
}
.privacy-note {
  margin: 0;
  font-size: 12.5px;
  color: var(--ink-faint);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255, 255, 255, 0.66);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 7px 14px;
}
.privacy-note svg { flex: none; }

/* ---------- Section scaffolding ---------- */
main { padding: 14px 0 40px; }

section { margin-top: 26px; }

.section-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 14px;
}
.overline {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-600);
  margin: 0 0 4px;
}
h2 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  margin: 0;
  line-height: 1.25;
}

.panel, .card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

/* ---------- Layout: inputs beside results ---------- */
.layout {
  display: grid;
  grid-template-columns: 396px minmax(0, 1fr);
  gap: 22px;
  align-items: start;
}
.inputs-panel {
  padding: 22px;
  position: sticky;
  top: 18px;
}

/* ---------- Inputs ---------- */
.inputs-panel h2 { margin-bottom: 4px; }
.inputs-sub {
  color: var(--ink-soft);
  font-size: 13.5px;
  margin: 4px 0 16px;
}

.field { margin-bottom: 14px; }
.field-row {
  display: flex;
  align-items: center;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #FDFCF9;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.field-row:focus-within {
  border-color: var(--green-600);
  box-shadow: 0 0 0 3px rgba(35, 106, 83, 0.14);
}
.field-row.invalid { border-color: var(--danger); }
.field-row.invalid:focus-within { box-shadow: 0 0 0 3px rgba(169, 62, 42, 0.13); }

.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-soft);
  margin-bottom: 5px;
}
.prefix, .suffix {
  padding: 0 12px;
  color: var(--ink-faint);
  font-size: 14px;
  user-select: none;
  flex: none;
}
.field-row input,
.term-units {
  border: 0;
  background: transparent;
  font: inherit;
  font-variant-numeric: tabular-nums;
  color: var(--ink);
  padding: 10px 2px;
  min-width: 0;
  width: 100%;
  outline: none;
}
.field-row input::placeholder { color: var(--ink-faint); }

.term-group { display: flex; gap: 8px; }
.term-group .field-row { flex: 1; }
.term-units {
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #FDFCF9;
  padding: 10px 8px;
  color: var(--ink-soft);
}
.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 14px;
}
.field-grid .field.wide { grid-column: 1 / -1; }

.field-error {
  color: var(--danger);
  font-size: 12.5px;
  margin: 5px 2px 0;
  min-height: 0;
  display: none;
}
.field.has-error .field-error { display: block; }

.hint { color: var(--ink-faint); font-size: 12px; margin: 5px 2px 0; }

/* presets */
.presets { display: flex; gap: 8px; flex-wrap: wrap; margin: 4px 0 18px; }
.chip {
  border: 1px solid var(--line-strong);
  background: var(--green-50);
  color: var(--green-700);
  font: inherit;
  font-size: 12.5px;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 999px;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}
.chip:hover { background: var(--green-100); }
.chip:active { transform: scale(0.97); }

/* lump sums */
.lumps-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin: 20px 0 8px;
  border-top: 1px dashed var(--line-strong);
  padding-top: 16px;
}
.lumps-head h3 {
  margin: 0;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--ink-soft);
  text-transform: uppercase;
}
.btn-ghost {
  border: 1px dashed var(--green-600);
  background: transparent;
  color: var(--green-700);
  font: inherit;
  font-size: 12.5px;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 999px;
  cursor: pointer;
}
.btn-ghost:hover { background: var(--green-50); }

.lump-row {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 8px;
  align-items: center;
  margin-bottom: 8px;
}
.lump-row .field-row input { padding: 8px 2px; }
.lump-row input[type="date"] { font-size: 13px; }
.lump-remove {
  border: 0;
  background: transparent;
  color: var(--ink-faint);
  cursor: pointer;
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: grid;
  place-items: center;
}
.lump-remove:hover { background: var(--danger-soft); color: var(--danger); }
.lumps-empty {
  color: var(--ink-faint);
  font-size: 12.5px;
  padding: 6px 2px 2px;
}
.lump-count {
  font-size: 12px;
  color: var(--green-700);
  background: var(--green-100);
  padding: 2px 9px;
  border-radius: 999px;
  margin-left: 8px;
}

.validation-note {
  margin: 12px 0 0;
  font-size: 13px;
  color: var(--danger);
  background: var(--danger-soft);
  border: 1px solid rgba(169, 62, 42, 0.25);
  border-radius: var(--radius-sm);
  padding: 9px 12px;
  display: none;
}
.validation-note.show { display: block; }

/* ---------- Insight + comparison ---------- */
.insight {
  margin: 0 0 14px;
  font-size: 15.5px;
  color: var(--ink);
  background: linear-gradient(120deg, var(--green-50), #FBF7EE);
  border: 1px solid var(--green-100);
  border-radius: var(--radius);
  padding: 14px 18px;
  box-shadow: var(--shadow);
}
.insight strong { color: var(--green-700); }

.compare-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.compare-card {
  padding: 18px 18px 16px;
  position: relative;
  overflow: hidden;
}
.compare-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
}
.compare-card.baseline::before { background: var(--baseline); }
.compare-card.plan::before { background: var(--green-600); }
.compare-card.savings::before { background: linear-gradient(90deg, var(--interest), var(--extra-blue)); }

.compare-card h3 {
  margin: 0 0 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  gap: 8px;
}
.compare-card h3 .dot { width: 9px; height: 9px; border-radius: 50%; flex: none; }
.compare-card.baseline h3 .dot { background: var(--baseline); }
.compare-card.plan h3 .dot { background: var(--green-600); }
.compare-card.savings h3 .dot {
  background: linear-gradient(135deg, var(--interest), var(--extra-blue));
}

.metric { padding: 7px 0; border-top: 1px dashed var(--line); }
.metric:first-of-type { border-top: 0; }
.metric dt {
  font-size: 12px;
  color: var(--ink-faint);
  margin-bottom: 2px;
}
.metric dd {
  margin: 0;
  font-size: 17px;
  font-weight: 650;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.compare-card .metric dd { font-family: var(--font-ui); }
.metric dd small {
  font-size: 12px;
  font-weight: 500;
  color: var(--ink-faint);
  margin-left: 4px;
}
.savings .metric dd { color: var(--green-700); }
.savings .metric dd.up { color: var(--extra-blue); }
.hero-number {
  font-size: 30px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  color: var(--green-700);
  line-height: 1.1;
}
.savings .hero-sub { font-size: 12.5px; color: var(--ink-soft); margin-top: 2px; }
.savings .hero-sub b { color: var(--extra-blue); font-weight: 650; }

/* ---------- Charts ---------- */
.charts-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.chart-card { padding: 18px 16px 12px; display: flex; flex-direction: column; }
.chart-card.span-2 { grid-column: 1 / -1; }
.chart-card h3 {
  margin: 0 4px 2px;
  font-size: 15.5px;
  font-weight: 650;
}
.chart-sub {
  margin: 0 4px 10px;
  font-size: 12.5px;
  color: var(--ink-faint);
}
.chart-frame {
  position: relative;
  width: 100%;
  height: 300px;
}
.chart-card.span-2 .chart-frame { height: 320px; }
.chart-frame svg {
  display: block;
  width: 100%;
  height: 100%;
  touch-action: pan-y;
  cursor: crosshair;
}
.chart-tooltip {
  position: absolute;
  display: none; /* hidden must leave layout entirely: an invisible absolute
                    box would still expand the page's scroll width */
  pointer-events: none;
  background: rgba(255, 255, 255, 0.97);
  border: 1px solid var(--line-strong);
  border-radius: 10px;
  box-shadow: var(--shadow-lift);
  padding: 9px 12px;
  font-size: 12.5px;
  min-width: 150px;
  max-width: 230px;
  z-index: 5;
}
.chart-tooltip.show { display: block; }
.chart-tooltip .tt-head {
  font-weight: 700;
  margin-bottom: 5px;
  padding-bottom: 5px;
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}
.chart-tooltip .tt-row {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 1.5px 0;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.chart-tooltip .tt-row .swatch {
  width: 9px;
  height: 9px;
  border-radius: 3px;
  flex: none;
}
.chart-tooltip .tt-row .tt-label { color: var(--ink-soft); margin-right: auto; }
.chart-tooltip .tt-row .tt-val { font-weight: 650; }
.chart-tooltip .tt-row.delta { color: var(--green-700); font-weight: 650; }
.chart-tooltip .tt-row.delta::before { content: ""; }

.legend {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 14px;
  margin: 10px 4px 2px;
}
.legend-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 12.5px;
  color: var(--ink-soft);
}
.legend-item .swatch {
  width: 11px;
  height: 11px;
  border-radius: 4px;
  flex: none;
}
.legend-item.dashed .swatch {
  background: repeating-linear-gradient(90deg, currentColor 0 3px, transparent 3px 6px) !important;
  background-color: transparent !important;
}
.legend-item b { color: var(--ink); font-variant-numeric: tabular-nums; font-weight: 650; }

/* svg text */
.axis-label {
  font-size: 11px;
  fill: var(--ink-faint);
  font-family: var(--font-ui);
}
.grid-line { stroke: var(--line); stroke-width: 1; }
.baseline-zero { stroke: var(--line-strong); stroke-width: 1; }
.chart-empty {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  color: var(--ink-faint);
  font-size: 13.5px;
}

/* ---------- Schedule table ---------- */
.schedule-panel { padding: 20px 0 0; overflow: hidden; }
.schedule-toolbar {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  padding: 0 20px 16px;
}
.search-box {
  flex: 1 1 240px;
  max-width: 340px;
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #FDFCF9;
  padding: 0 12px;
}
.search-box:focus-within {
  border-color: var(--green-600);
  box-shadow: 0 0 0 3px rgba(35, 106, 83, 0.14);
}
.search-box input {
  border: 0;
  background: transparent;
  font: inherit;
  font-size: 14px;
  padding: 9px 0;
  width: 100%;
  outline: none;
  min-width: 0;
}
.year-jump {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--ink-soft);
  font-size: 13px;
}
.year-jump select {
  font: inherit;
  font-size: 13.5px;
  color: var(--ink);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #FDFCF9;
  padding: 8px 10px;
  cursor: pointer;
}
.btn-primary {
  margin-left: auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 0;
  background: var(--green-700);
  color: #fff;
  font: inherit;
  font-size: 13.5px;
  font-weight: 650;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  box-shadow: var(--shadow);
  transition: background 0.15s, transform 0.1s;
}
.btn-primary:hover { background: var(--green-900); }
.btn-primary:active { transform: scale(0.98); }

.table-scroll {
  overflow: auto;
  max-height: 560px;
  border-top: 1px solid var(--line);
}
table.schedule {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  font-variant-numeric: tabular-nums;
}
table.schedule th, table.schedule td {
  padding: 8px 14px;
  text-align: right;
  white-space: nowrap;
}
table.schedule th:first-child,
table.schedule td:first-child { text-align: left; }
table.schedule th:nth-child(2),
table.schedule td:nth-child(2) { text-align: left; }
table.schedule thead th {
  position: sticky;
  top: 0;
  z-index: 2;
  background: rgba(253, 252, 249, 0.94);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  border-bottom: 1px solid var(--line-strong);
}
table.schedule tbody td { border-bottom: 1px solid var(--line); }
table.schedule tbody tr:hover td { background: var(--green-50); }
table.schedule tbody tr.year-start td { border-top: 2px solid var(--line-strong); }
table.schedule td .pnum { color: var(--ink-faint); font-size: 12px; }
table.schedule td.date-cell { color: var(--ink-soft); }
table.schedule td .lump-dot {
  display: inline-block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--extra-blue);
  margin-left: 6px;
  vertical-align: 1px;
}
table.schedule tr.final-row td {
  background: var(--green-100);
  font-weight: 650;
  border-bottom: 0;
}
table.schedule tr.final-row td:first-child { border-radius: 0 0 0 10px; }
table.schedule tr.final-row td:last-child { border-radius: 0 0 10px 0; }
table.schedule tfoot td {
  position: sticky;
  bottom: 0;
  background: var(--paper-deep);
  font-weight: 700;
  border-top: 2px solid var(--line-strong);
  border-bottom: 0;
}
.row-hidden { display: none; }
.table-status {
  padding: 10px 20px 16px;
  color: var(--ink-faint);
  font-size: 12.5px;
}

/* ---------- Footer / toast ---------- */
.site-footer {
  border-top: 1px solid var(--line);
  padding: 22px 0 34px;
  color: var(--ink-faint);
  font-size: 12.5px;
}
.site-footer .wrap { display: flex; justify-content: space-between; gap: 14px; flex-wrap: wrap; }

.toast {
  position: fixed;
  left: 50%;
  bottom: 26px;
  transform: translate(-50%, 16px);
  background: var(--green-900);
  color: #EAF4EE;
  font-size: 13.5px;
  padding: 11px 18px;
  border-radius: 999px;
  box-shadow: var(--shadow-lift);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s, transform 0.2s;
  z-index: 60;
}
.toast.show { opacity: 1; transform: translate(-50%, 0); }

a { color: var(--green-700); }

:focus-visible { outline: 2px solid var(--focus-ring); outline-offset: 2px; border-radius: 4px; }

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}

@media (max-width: 1020px) {
  .layout { grid-template-columns: 1fr; }
  .inputs-panel { position: static; }
  .compare-grid { grid-template-columns: 1fr 1fr; }
  .compare-card.savings { grid-column: 1 / -1; }
}

@media (max-width: 720px) {
  .wrap { padding: 0 14px; }
  .site-header { padding-top: 20px; }
  .brand h1 { font-size: 23px; }
  .charts-grid { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .chart-frame, .chart-card.span-2 .chart-frame { height: 250px; }
  .field-grid { grid-template-columns: 1fr; }
  .hero-number { font-size: 26px; }
  .schedule-toolbar { padding: 0 14px 12px; }
  .btn-primary { margin-left: 0; width: 100%; justify-content: center; }
  .table-scroll { max-height: 460px; }
  table.schedule th, table.schedule td { padding: 7px 10px; font-size: 12.5px; }
  .chart-tooltip { min-width: 132px; max-width: 190px; font-size: 11.5px; }
  .privacy-note { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}