/* ============================================================
   USFinWise — /assets/css/style.css
   Mobile-first, dual-theme, modular design system
   ============================================================ */

/* ────────────────────────────────────────────────────────────
   1. DESIGN TOKENS & CUSTOM PROPERTIES
   ──────────────────────────────────────────────────────────── */
:root {
  /* Typography */
  --font-display: 'Syne', 'Georgia', sans-serif;
  --font-body:    'Epilogue', system-ui, sans-serif;

  /* Motion */
  --ease: cubic-bezier(.4, 0, .2, 1);
  --dur:  .28s;

  /* Border radii */
  --r-xs: 6px;
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 22px;
  --r-xl: 32px;
}

/* font-display:swap prevents FOIT (invisible text flash) */
@font-face { font-family: 'Syne';    font-display: swap; }
@font-face { font-family: 'Epilogue'; font-display: swap; }

/* ── DARK THEME (default) ────────────────────────────────── */
[data-theme="dark"] {
  --bg0:        #08090d;
  --bg1:        #0f1117;
  --bg2:        #161b26;
  --bg3:        #1e2535;
  --bg4:        #252d40;
  --bdr:        rgba(255,255,255,.07);
  --bdr2:       rgba(255,255,255,.12);
  --txt0:       #f8faff;
  --txt1:       #9ba5bf;
  --txt2:       #545e77;
  --acc:        #3b82f6;
  --acc-h:      #60a5fa;
  --acc-d:      #1d4ed8;
  --acc-glow:   rgba(59,130,246,.18);
  --acc-bg:     rgba(59,130,246,.10);
  --grn:        #10b981;
  --grn-bg:     rgba(16,185,129,.10);
  --red:        #f43f5e;
  --red-bg:     rgba(244,63,94,.10);
  --ylw:        #f59e0b;
  --ylw-bg:     rgba(245,158,11,.10);
  --nav-glass:  rgba(15,17,23,.85);
  --card-shadow: 0 8px 32px rgba(0,0,0,.45), 0 2px 8px rgba(0,0,0,.30);
  --inp-shadow:  inset 0 1px 3px rgba(0,0,0,.30);
  --grd-hero:   radial-gradient(ellipse 90% 60% at 50% -5%, rgba(59,130,246,.12) 0%, transparent 70%);
}

/* ── LIGHT THEME ─────────────────────────────────────────── */
[data-theme="light"] {
  --bg0:        #f0f4f8;
  --bg1:        #e8edf5;
  --bg2:        #ffffff;
  --bg3:        #f5f7fc;
  --bg4:        #eaeffa;
  --bdr:        rgba(0,0,0,.08);
  --bdr2:       rgba(0,0,0,.14);
  --txt0:       #0a0d14;
  --txt1:       #445069;
  --txt2:       #8b96b0;
  --acc:        #2563eb;
  --acc-h:      #3b82f6;
  --acc-d:      #1e40af;
  --acc-glow:   rgba(37,99,235,.15);
  --acc-bg:     rgba(37,99,235,.08);
  --grn:        #059669;
  --grn-bg:     rgba(5,150,105,.09);
  --red:        #dc2626;
  --red-bg:     rgba(220,38,38,.09);
  --ylw:        #d97706;
  --ylw-bg:     rgba(217,119,6,.09);
  --nav-glass:  rgba(240,244,248,.90);
  --card-shadow: 0 4px 20px rgba(0,0,0,.07), 0 1px 4px rgba(0,0,0,.05);
  --inp-shadow:  inset 0 1px 2px rgba(0,0,0,.05);
  --grd-hero:   radial-gradient(ellipse 90% 60% at 50% -5%, rgba(37,99,235,.08) 0%, transparent 70%);
}

/* ────────────────────────────────────────────────────────────
   2. RESET — Mobile-first base
   ──────────────────────────────────────────────────────────── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-tap-highlight-color: transparent;
}
body {
  font-family: var(--font-body);
  background: var(--bg0);
  color: var(--txt0);
  min-height: 100vh;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
}
a  { color: var(--acc); text-decoration: none; }
a:hover { color: var(--acc-h); }
img { display: block; max-width: 100%; }
button, select, input { font-family: var(--font-body); }
:focus-visible { outline: 2px solid var(--acc); outline-offset: 3px; }

/* Scrollbar */
::-webkit-scrollbar { width: 5px; height: 5px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: var(--bg4); border-radius: 3px; }

/* ────────────────────────────────────────────────────────────
   3. LAYOUT UTILITIES
   ──────────────────────────────────────────────────────────── */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 16px; /* mobile: tighter padding */
}
@media (min-width: 600px) { .container { padding: 0 20px; } }

/* Two-column grid — stacks on mobile */
.grid-2 {
  display: grid;
  grid-template-columns: 1fr;   /* mobile: single column */
  gap: 20px;
  align-items: start;
}
@media (min-width: 860px) {
  .grid-2 { grid-template-columns: 1fr 1fr; gap: 24px; }
}

.mt-3 { margin-top: 12px; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.hidden { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  overflow: hidden; clip: rect(0,0,0,0);
}

/* ────────────────────────────────────────────────────────────
   4. NAVIGATION
   ──────────────────────────────────────────────────────────── */
#navbar {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--nav-glass);
  backdrop-filter: blur(20px) saturate(160%);
  -webkit-backdrop-filter: blur(20px) saturate(160%);
  border-bottom: 1px solid var(--bdr);
  transition: background var(--dur) var(--ease);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 62px;
  gap: 12px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 9px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-svg {
  flex-shrink: 0;
  filter: drop-shadow(0 2px 6px rgba(30,64,175,.25));
  transition: filter var(--dur) var(--ease);
}
.logo:hover .logo-svg { filter: drop-shadow(0 4px 12px rgba(30,64,175,.4)); }
.logo-text-wrap { display: flex; flex-direction: column; }
.logo-name {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--txt0);
  letter-spacing: .04em;
  line-height: 1;
}
.logo-us { color: #1d4ed8; font-weight: 800; }

/* Tab navigation */
.nav-tabs {
  display: flex;
  align-items: center;
  gap: 3px;
  overflow-x: auto;
  scrollbar-width: none;
  flex: 1;
  justify-content: center;
}
.nav-tabs::-webkit-scrollbar { display: none; }
.nav-tab {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 7px 13px;
  border: none;
  border-radius: var(--r-sm);
  background: transparent;
  cursor: pointer;
  color: var(--txt1);
  font-size: .8rem;
  font-weight: 500;
  white-space: nowrap;
  transition: all var(--dur) var(--ease);
  font-family: var(--font-body);
}
.nav-tab:hover  { background: var(--bg3); color: var(--txt0); }
.nav-tab.active {
  background: var(--acc-bg);
  color: var(--acc-h);
  border: 1px solid rgba(59,130,246,.25);
}
.nav-tab .t-ico { font-size: 14px; }

/* Right controls */
.nav-right { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

/* Theme toggle pill */
.toggle-pill { width: 50px; height: 26px; position: relative; cursor: pointer; }
.toggle-pill input { opacity: 0; width: 0; height: 0; position: absolute; }
.toggle-track {
  position: absolute; inset: 0;
  background: var(--bg3); border: 1px solid var(--bdr2);
  border-radius: 13px; transition: background var(--dur) var(--ease);
}
.toggle-thumb {
  position: absolute; top: 3px; left: 3px;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--acc);
  transition: transform var(--dur) var(--ease);
  display: flex; align-items: center; justify-content: center; font-size: 10px;
}
.toggle-pill input:checked ~ .toggle-track { background: var(--bg4); }
.toggle-pill input:checked ~ .toggle-thumb { transform: translateX(24px); }

/* Hamburger (mobile only) */
.hamburger {
  display: none;
  background: none; border: none;
  cursor: pointer; padding: 4px; color: var(--txt0);
}
/* Mobile menu breakpoint */
@media (max-width: 700px) {
  .nav-tabs { display: none; }
  .nav-tabs.open {
    display: flex; flex-direction: column; align-items: stretch;
    position: fixed; top: 62px; left: 0; right: 0;
    background: var(--bg1); border-bottom: 1px solid var(--bdr);
    padding: 12px; z-index: 199; gap: 4px;
  }
  .hamburger { display: flex; }
}

/* ────────────────────────────────────────────────────────────
   5. HERO SECTION
   ──────────────────────────────────────────────────────────── */
.hero {
  background: var(--bg1);
  background-image: var(--grd-hero);
  border-bottom: 1px solid var(--bdr);
  padding: 36px 0 28px; /* mobile */
  position: relative;
  overflow: hidden;
}
@media (min-width: 600px) { .hero { padding: 44px 0 36px; } }

/* Subtle grid texture overlay */
.hero::before {
  content: '';
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(var(--bdr) 1px, transparent 1px),
    linear-gradient(90deg, var(--bdr) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 40%, transparent 100%);
}
.hero-inner { position: relative; text-align: center; }

/* Freshness badge */
.freshness-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: var(--grn-bg); border: 1px solid rgba(16,185,129,.25);
  color: var(--grn);
  font-size: .72rem; font-weight: 600; letter-spacing: .07em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 20px; margin-bottom: 16px;
}
.freshness-dot {
  width: 6px; height: 6px; border-radius: 50%; background: var(--grn);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .5; transform: scale(.8); }
}

/* Hero heading — fluid type scale */
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 5vw, 3.1rem);
  font-weight: 800;
  line-height: 1.05;
  color: var(--txt0);
  margin-bottom: 14px;
  letter-spacing: -.02em;
}
.hero h1 .hl { color: var(--acc); }

.hero-sub {
  font-size: .95rem;
  color: var(--txt1);
  max-width: 500px;
  margin: 0 auto 24px;
}
@media (min-width: 600px) { .hero-sub { font-size: 1rem; } }

/* KPI strip — responsive wrap */
.hero-kpis {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  list-style: none;
}
@media (min-width: 480px) { .hero-kpis { gap: 32px; } }
.kpi { text-align: center; }
.kpi-n {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 700; color: var(--acc);
}
.kpi-l {
  display: block;
  font-size: .7rem; color: var(--txt2);
  text-transform: uppercase; letter-spacing: .06em; margin-top: 2px;
}

/* ────────────────────────────────────────────────────────────
   6. AD SLOTS
   ──────────────────────────────────────────────────────────── */
.ad-zone {
  min-height: 90px;
  background: var(--bg1);
  border: 1px dashed var(--bdr);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--txt2); font-size: .72rem;
  margin: 16px 0;
}

/* ────────────────────────────────────────────────────────────
   7. MAIN CONTENT & TOOL PANELS
   ──────────────────────────────────────────────────────────── */
main { padding: 28px 0 60px; }
@media (min-width: 600px) { main { padding: 36px 0 80px; } }

/* Tool panel visibility — SPA tab system */
.tool { display: none; animation: fadeUp .32s var(--ease); }
.tool.active { display: block; }
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Tool header */
.tool-header { margin-bottom: 24px; }
@media (min-width: 600px) { .tool-header { margin-bottom: 32px; } }

/* Breadcrumb */
.bc { margin-bottom: 10px; }
.bc ol { list-style: none; display: flex; gap: 4px; padding: 0; margin: 0; flex-wrap: wrap; }
.bc a  { color: var(--txt2); font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; }
.bc [aria-current="page"] { color: var(--acc); font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; }

.tool-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 3vw, 1.9rem);
  font-weight: 700; letter-spacing: -.02em; margin-bottom: 6px;
}
.tool-header > p { font-size: .88rem; color: var(--txt1); max-width: 560px; }

/* ────────────────────────────────────────────────────────────
   8. CARDS
   ──────────────────────────────────────────────────────────── */
.card {
  background: var(--bg2);
  border: 1px solid var(--bdr);
  border-radius: var(--r-lg);
  padding: 20px 18px 18px;
  box-shadow: var(--card-shadow);
  transition: background var(--dur) var(--ease), border var(--dur) var(--ease);
}
@media (min-width: 600px) { .card { padding: 28px 28px 24px; } }

.card-hd {
  font-family: var(--font-display);
  font-size: 1rem; font-weight: 700; color: var(--txt0); margin-bottom: 4px;
}
.card-sub {
  font-size: .72rem; color: var(--txt2);
  text-transform: uppercase; letter-spacing: .07em; margin-bottom: 20px;
}

/* ────────────────────────────────────────────────────────────
   9. FORM CONTROLS
   ──────────────────────────────────────────────────────────── */
.field { margin-bottom: 16px; }
@media (min-width: 600px) { .field { margin-bottom: 18px; } }

.field-label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: .78rem; font-weight: 500; color: var(--txt1); margin-bottom: 7px;
}
.field-label .unit {
  font-size: .75rem; font-weight: 600; color: var(--acc);
  background: var(--acc-bg); padding: 2px 8px; border-radius: 20px;
}

/* Input wrapper for prefix/suffix symbols */
.inp-wrap { position: relative; display: flex; align-items: center; }
.inp-pre, .inp-suf {
  position: absolute; font-size: .85rem; font-weight: 500;
  color: var(--txt2); pointer-events: none; z-index: 1;
}
.inp-pre { left: 12px; }
.inp-suf { right: 12px; }

input[type="number"],
input[type="text"],
select {
  width: 100%;
  background: var(--bg3);
  border: 1.5px solid var(--bdr);
  border-radius: var(--r-sm);
  padding: 10px 12px;
  font-size: .9rem;
  color: var(--txt0);
  transition: border var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease);
  box-shadow: var(--inp-shadow);
  outline: none;
  -moz-appearance: textfield;
}
input[type="number"]::-webkit-outer-spin-button,
input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }
.has-pre input, .has-pre select { padding-left: 28px; }
.has-suf input { padding-right: 32px; }

input:focus, select:focus {
  border-color: var(--acc);
  box-shadow: 0 0 0 3px var(--acc-glow), var(--inp-shadow);
  background: var(--bg2);
}
input::placeholder { color: var(--txt2); }

select {
  appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='7'%3E%3Cpath d='.5.5l4.5 5 4.5-5' stroke='%23545e77' fill='none' stroke-width='1.4' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 32px;
}

/* Range slider */
.slider-field { margin-bottom: 16px; }
.slider-header {
  display: flex; justify-content: space-between; align-items: center; margin-bottom: 9px;
}
.slider-label { font-size: .78rem; font-weight: 500; color: var(--txt1); }
.slider-val {
  font-size: .82rem; font-weight: 600; color: var(--acc);
  background: var(--acc-bg); padding: 2px 10px; border-radius: 20px;
  border: 1px solid rgba(59,130,246,.2); min-width: 52px; text-align: center;
}
input[type="range"] {
  width: 100%; height: 3px; appearance: none; -webkit-appearance: none;
  background: var(--bdr); border-radius: 2px; outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 17px; height: 17px; border-radius: 50%;
  background: var(--acc); box-shadow: 0 0 0 3px var(--acc-glow), 0 2px 6px rgba(0,0,0,.2);
  cursor: pointer; transition: box-shadow var(--dur) var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover { box-shadow: 0 0 0 5px var(--acc-glow); }
input[type="range"]::-moz-range-thumb {
  width: 17px; height: 17px; border: none; border-radius: 50%; background: var(--acc);
}

/* Divider */
.divider { height: 1px; background: var(--bdr); margin: 16px 0; }

/* ────────────────────────────────────────────────────────────
   10. BUTTONS
   ──────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  padding: 11px 20px; border: none; border-radius: var(--r-sm);
  font-family: var(--font-body); font-size: .85rem; font-weight: 600;
  cursor: pointer; transition: all var(--dur) var(--ease);
  text-decoration: none; white-space: nowrap;
}
.btn-primary {
  background: var(--acc); color: #fff;
  width: 100%; padding: 13px; font-size: .9rem;
  box-shadow: 0 4px 14px var(--acc-glow);
}
.btn-primary:hover {
  background: var(--acc-h); transform: translateY(-1px);
  box-shadow: 0 6px 20px var(--acc-glow);
}
.btn-primary:active { transform: translateY(0); }
.btn-ghost {
  background: var(--bg3); color: var(--txt1); border: 1px solid var(--bdr);
}
.btn-ghost:hover { background: var(--bg4); color: var(--txt0); }
.btn-sm { padding: 6px 12px; font-size: .75rem; }

/* ────────────────────────────────────────────────────────────
   11. RESULTS PANEL
   ──────────────────────────────────────────────────────────── */
.results {
  background: var(--bg2); border: 1px solid var(--bdr);
  border-radius: var(--r-lg); padding: 18px;
  box-shadow: var(--card-shadow);
}
@media (min-width: 600px) { .results { padding: 24px; } }

.results-label {
  font-family: var(--font-display); font-size: 1rem; font-weight: 700;
  color: var(--txt0); margin-bottom: 16px;
}

/* Primary result highlight */
.res-primary {
  background: linear-gradient(135deg, var(--acc-bg), var(--grn-bg));
  border: 1px solid var(--bdr2); border-radius: var(--r-md);
  padding: 16px 18px; text-align: center; margin-bottom: 14px;
}
.res-primary .res-label {
  font-size: .7rem; color: var(--txt1); text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 5px;
}
.res-primary .res-amount {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 4vw, 2.5rem);
  font-weight: 800; color: var(--txt0); letter-spacing: -.03em; line-height: 1;
}
.res-primary .res-sub { font-size: .72rem; color: var(--txt2); margin-top: 5px; }

/* Stats grid — 2-up */
.stats-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px;
}
.stat {
  background: var(--bg3); border: 1px solid var(--bdr);
  border-radius: var(--r-sm); padding: 12px 14px;
}
.stat-label { font-size: .68rem; color: var(--txt2); margin-bottom: 3px; }
.stat-value { font-size: 1rem; font-weight: 600; color: var(--txt0); }
.stat-value.green { color: var(--grn); }
.stat-value.red   { color: var(--red); }
.stat-value.blue  { color: var(--acc); }

/* Progress bar */
.prog-wrap { margin-bottom: 14px; }
.prog-header {
  display: flex; justify-content: space-between;
  font-size: .72rem; color: var(--txt2); margin-bottom: 6px;
}
.prog-bar {
  height: 6px; background: var(--bg4); border-radius: 3px; overflow: hidden;
}
.prog-fill {
  height: 100%; border-radius: 3px;
  background: linear-gradient(90deg, var(--acc), var(--grn));
  transition: width .6s var(--ease);
}

/* ────────────────────────────────────────────────────────────
   12. SVG CHARTS
   ──────────────────────────────────────────────────────────── */
.chart-section { margin: 14px 0; }
.chart-title {
  font-size: .68rem; color: var(--txt2); text-transform: uppercase;
  letter-spacing: .07em; margin-bottom: 10px; font-weight: 500;
}

/* Donut chart layout */
.donut-row { display: flex; align-items: center; gap: 16px; padding: 6px 0; }
.donut-svg { flex-shrink: 0; }
.donut-legend { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.leg-item { display: flex; align-items: center; gap: 8px; }
.leg-dot  { width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0; }
.leg-text { flex: 1; font-size: .76rem; color: var(--txt1); }
.leg-val  { font-size: .8rem; font-weight: 600; color: var(--txt0); }

/* Bar chart */
.bar-chart-wrap { position: relative; }
.bar-row {
  display: flex; align-items: flex-end; gap: 3px; height: 100px;
}
@media (min-width: 600px) { .bar-row { gap: 4px; height: 110px; } }
.bar-col {
  flex: 1; display: flex; flex-direction: column; justify-content: flex-end;
  align-items: center; cursor: pointer; position: relative;
}
.bar-seg {
  width: 100%; min-height: 2px; border-radius: 3px 3px 0 0;
  transition: height .5s var(--ease), opacity .2s;
}
.bar-col:hover .bar-seg { opacity: .82; }

/* Bar tooltip */
.bar-col:hover .bar-tip { display: block; }
.bar-tip {
  display: none; position: absolute; bottom: 100%; left: 50%; transform: translateX(-50%);
  background: var(--bg2); border: 1px solid var(--bdr); border-radius: var(--r-xs);
  padding: 4px 8px; font-size: .68rem; color: var(--txt0); white-space: nowrap;
  margin-bottom: 4px; z-index: 10; box-shadow: var(--card-shadow);
}

/* X-axis labels */
.bar-xl { display: flex; gap: 3px; margin-top: 6px; }
@media (min-width: 600px) { .bar-xl { gap: 4px; } }
.bar-xl-item { flex: 1; text-align: center; font-size: .57rem; color: var(--txt2); }

/* ────────────────────────────────────────────────────────────
   13. AMORTIZATION TABLE
   ──────────────────────────────────────────────────────────── */
.amort-toggle {
  width: 100%; background: var(--bg3); border: 1px solid var(--bdr);
  border-radius: var(--r-sm); padding: 9px 14px;
  color: var(--txt1); font-size: .78rem; font-weight: 500;
  cursor: pointer; display: flex; align-items: center; justify-content: space-between;
  transition: all var(--dur) var(--ease); font-family: var(--font-body);
}
.amort-toggle:hover { background: var(--bg4); color: var(--txt0); }
.amort-wrap {
  max-height: 280px; overflow-y: auto; margin-top: 10px;
  border: 1px solid var(--bdr); border-radius: var(--r-sm);
}
.amort-wrap.hide { display: none; }
.amort-wrap::-webkit-scrollbar { width: 4px; }
.amort-wrap::-webkit-scrollbar-thumb { background: var(--bg4); border-radius: 2px; }

table { width: 100%; border-collapse: collapse; font-size: .73rem; }
thead th {
  background: var(--bg3); color: var(--txt2); padding: 9px 10px;
  text-align: right; font-weight: 500; position: sticky; top: 0;
  border-bottom: 1px solid var(--bdr);
}
thead th:first-child { text-align: left; }
tbody tr { border-bottom: 1px solid var(--bdr); transition: background var(--dur) var(--ease); }
tbody tr:hover { background: var(--bg3); }
td { padding: 8px 10px; text-align: right; color: var(--txt1); }
td:first-child { text-align: left; color: var(--txt2); }
td.g { color: var(--grn); }
td.r { color: var(--red); }

/* ────────────────────────────────────────────────────────────
   14. TIP / CALLOUT BOXES
   ──────────────────────────────────────────────────────────── */
.tip {
  background: var(--acc-bg); border-left: 3px solid var(--acc);
  border-radius: 0 var(--r-xs) var(--r-xs) 0;
  padding: 10px 13px; margin: 12px 0;
  font-size: .78rem; color: var(--txt1); line-height: 1.5;
}
.tip strong { color: var(--acc); }
.tip.green  { background: var(--grn-bg); border-color: var(--grn); }
.tip.green strong { color: var(--grn); }
.tip.red    { background: var(--red-bg); border-color: var(--red); }
.tip.red strong { color: var(--red); }

/* ────────────────────────────────────────────────────────────
   15. SEO ARTICLE SECTIONS
   ──────────────────────────────────────────────────────────── */
.seo-art { margin-top: 44px; border-top: 1px solid var(--bdr); padding-top: 36px; }
@media (min-width: 600px) { .seo-art { margin-top: 56px; padding-top: 44px; } }

.art-meta { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 18px; }
.art-tag {
  font-size: .67rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em;
  color: var(--acc); background: var(--acc-bg); padding: 3px 11px; border-radius: 20px;
}
.art-date { font-size: .74rem; color: var(--txt2); }
.art-title {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 2.5vw, 1.75rem);
  font-weight: 700; color: var(--txt0); letter-spacing: -.02em; margin-bottom: 14px;
}
.art-body { max-width: 720px; }
.art-body p  { color: var(--txt1); font-size: .9rem; line-height: 1.85; margin-bottom: 16px; }
.art-body h3 {
  font-family: var(--font-display); font-size: 1.05rem;
  font-weight: 700; color: var(--txt0); margin: 24px 0 10px;
}
.art-body ul { color: var(--txt1); font-size: .88rem; line-height: 1.8; margin: 0 0 16px 18px; }
.art-body li { margin-bottom: 4px; }
.art-body strong { color: var(--txt0); font-weight: 600; }
.art-placeholder {
  background: var(--bg3); border: 1px dashed var(--bdr2); border-radius: var(--r-md);
  padding: 20px; margin-top: 20px; text-align: center; font-size: .8rem; color: var(--txt2);
}

/* ────────────────────────────────────────────────────────────
   16. COOKIE CONSENT BANNER
   ──────────────────────────────────────────────────────────── */
#cookie {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 500;
  background: var(--bg2); border-top: 1px solid var(--bdr2);
  padding: 12px 16px;
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  box-shadow: 0 -8px 24px rgba(0,0,0,.2);
  animation: slideUp .4s var(--ease);
}
@media (min-width: 600px) { #cookie { padding: 14px 20px; } }
#cookie.gone { display: none; }
@keyframes slideUp { from { transform: translateY(100%); } to { transform: translateY(0); } }
#cookie p { font-size: .78rem; color: var(--txt1); flex: 1; min-width: 200px; }
#cookie p a { color: var(--acc); }
.cookie-btns { display: flex; gap: 8px; flex-shrink: 0; }

/* ────────────────────────────────────────────────────────────
   17. FOOTER
   ──────────────────────────────────────────────────────────── */
footer { background: var(--bg1); border-top: 1px solid var(--bdr); padding: 32px 0 20px; }
@media (min-width: 600px) { footer { padding: 40px 0 24px; } }

/* Footer grid — mobile: 2 cols → desktop: 4 cols */
.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px; margin-bottom: 24px;
}
@media (min-width: 700px) {
  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; }
}
@media (max-width: 420px) { .footer-grid { grid-template-columns: 1fr; } }

.f-brand p { font-size: .78rem; color: var(--txt2); margin-top: 10px; line-height: 1.6; }
.f-col h5 {
  font-size: .67rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .08em; color: var(--txt2); margin-bottom: 12px;
}
.f-col a {
  display: block; font-size: .78rem; color: var(--txt1); margin-bottom: 7px;
  transition: color var(--dur) var(--ease);
}
.f-col a:hover { color: var(--acc); }

.f-bottom {
  border-top: 1px solid var(--bdr); padding-top: 16px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 10px;
}
.f-bottom p { font-size: .7rem; color: var(--txt2); }
.f-disclaimer { font-size: .68rem; color: var(--txt2); margin-top: 12px; line-height: 1.5; }

/* ────────────────────────────────────────────────────────────
   18. LEGAL MODAL SYSTEM
   ──────────────────────────────────────────────────────────── */
#legal-overlay {
  display: none; position: fixed; inset: 0; z-index: 900;
  background: rgba(0,0,0,.72); backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  align-items: flex-start; justify-content: center;
  padding: 24px 12px; overflow-y: auto;
}
@media (min-width: 600px) { #legal-overlay { padding: 40px 16px; } }
#legal-overlay.open { display: flex; }

#legal-modal {
  background: var(--bg2); border: 1px solid var(--bdr2);
  border-radius: var(--r-xl); width: 100%; max-width: 780px;
  box-shadow: 0 32px 80px rgba(0,0,0,.6);
  animation: modalIn .3s var(--ease); position: relative;
}
@keyframes modalIn { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:translateY(0); } }

.lm-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 22px 16px; border-bottom: 1px solid var(--bdr);
  position: sticky; top: 0; background: var(--bg2);
  border-radius: var(--r-xl) var(--r-xl) 0 0; z-index: 2;
}
@media (min-width: 600px) { .lm-header { padding: 24px 28px 20px; } }
.lm-header h2 {
  font-family: var(--font-display); font-size: 1.1rem; font-weight: 700;
  color: var(--txt0); letter-spacing: -.02em;
}
.lm-close {
  width: 32px; height: 32px; border-radius: 50%; border: 1px solid var(--bdr);
  background: var(--bg3); color: var(--txt1); cursor: pointer;
  display: flex; align-items: center; justify-content: center; font-size: 1rem;
  transition: all var(--dur) var(--ease); flex-shrink: 0;
}
.lm-close:hover { background: var(--red-bg); color: var(--red); border-color: var(--red); }

.lm-body {
  padding: 20px 22px; max-height: 70vh; overflow-y: auto; scrollbar-width: thin;
}
@media (min-width: 600px) { .lm-body { padding: 28px; max-height: 72vh; } }
.lm-body::-webkit-scrollbar { width: 4px; }
.lm-body::-webkit-scrollbar-thumb { background: var(--bg4); border-radius: 2px; }

.lm-badge {
  display: inline-flex; align-items: center; gap: 7px; margin-bottom: 20px;
  background: var(--acc-bg); border: 1px solid rgba(59,130,246,.2);
  color: var(--acc-h); font-size: .7rem; font-weight: 600;
  letter-spacing: .07em; text-transform: uppercase; padding: 4px 12px; border-radius: 20px;
}
.lm-body h3 {
  font-family: var(--font-display); font-size: 1rem; font-weight: 700;
  color: var(--txt0); margin: 24px 0 9px; letter-spacing: -.01em;
}
.lm-body h3:first-of-type { margin-top: 0; }
.lm-body p  { font-size: .86rem; color: var(--txt1); line-height: 1.82; margin-bottom: 13px; }
.lm-body ul { font-size: .85rem; color: var(--txt1); line-height: 1.8; margin: 0 0 14px 18px; }
.lm-body li { margin-bottom: 5px; }
.lm-body strong { color: var(--txt0); font-weight: 600; }
.lm-body a { color: var(--acc); }
.lm-body a:hover { color: var(--acc-h); }
.lm-divider { height: 1px; background: var(--bdr); margin: 20px 0; }
.lm-warn {
  background: var(--red-bg); border: 1px solid rgba(244,63,94,.2);
  border-radius: var(--r-sm); padding: 13px 15px; margin: 14px 0;
  font-size: .82rem; color: var(--txt1); line-height: 1.6;
}
.lm-warn strong { color: var(--red); }
.lm-info {
  background: var(--acc-bg); border: 1px solid rgba(59,130,246,.18);
  border-radius: var(--r-sm); padding: 13px 15px; margin: 14px 0;
  font-size: .82rem; color: var(--txt1); line-height: 1.6;
}
.lm-info strong { color: var(--acc-h); }
.lm-footer {
  padding: 14px 22px 20px; border-top: 1px solid var(--bdr);
  font-size: .72rem; color: var(--txt2); line-height: 1.5;
}
@media (min-width: 600px) { .lm-footer { padding: 16px 28px 22px; } }

/* Contact form in legal modal */
.cf-field { margin-bottom: 13px; }
.cf-field label {
  display: block; font-size: .75rem; font-weight: 500; color: var(--txt1); margin-bottom: 6px;
}
.cf-field input,
.cf-field select,
.cf-field textarea {
  width: 100%; background: var(--bg3); border: 1.5px solid var(--bdr);
  border-radius: var(--r-sm); padding: 9px 12px; font-size: .85rem;
  color: var(--txt0); font-family: var(--font-body); outline: none; resize: vertical;
  transition: border var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.cf-field input:focus,
.cf-field select:focus,
.cf-field textarea:focus { border-color: var(--acc); box-shadow: 0 0 0 3px var(--acc-glow); }
.cf-field textarea { min-height: 88px; }
.cf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 500px) { .cf-row { grid-template-columns: 1fr; } }
.cf-success {
  display: none; text-align: center; padding: 24px 18px;
  background: var(--grn-bg); border: 1px solid rgba(16,185,129,.2);
  border-radius: var(--r-md); margin-top: 12px;
}
.cf-success .cs-icon { font-size: 2rem; margin-bottom: 8px; }
.cf-success p { font-size: .85rem; color: var(--grn); font-weight: 500; }

/* Sitemap in legal modal */
.sm-section { margin-bottom: 22px; }
.sm-section h3 {
  font-family: var(--font-display); font-size: .92rem; font-weight: 700;
  color: var(--txt0); margin-bottom: 10px; padding-bottom: 6px; border-bottom: 1px solid var(--bdr);
}
.sm-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 8px; }
.sm-link {
  display: flex; align-items: center; gap: 7px; padding: 8px 12px;
  background: var(--bg3); border: 1px solid var(--bdr); border-radius: var(--r-sm);
  font-size: .8rem; color: var(--txt1); text-decoration: none;
  transition: all var(--dur) var(--ease);
}
.sm-link:hover { background: var(--acc-bg); color: var(--acc-h); border-color: rgba(59,130,246,.25); }
.sm-link .sm-ico { font-size: 13px; }

/* ────────────────────────────────────────────────────────────
   19. CMS LOADING STATE
   Shows a subtle spinner while site_data.json is being fetched
   ──────────────────────────────────────────────────────────── */
.cms-loading-bar {
  position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 9999;
  background: linear-gradient(90deg, var(--acc), var(--grn), var(--acc));
  background-size: 200% 100%;
  animation: cmsLoad 1.2s linear infinite;
}
@keyframes cmsLoad { to { background-position: -200% 0; } }
.cms-loading-bar.done { animation: none; opacity: 0; transition: opacity .3s; }