:root {
  --cc-ink: #18263a;
  --cc-muted: #5e7087;
  --cc-line: rgba(24, 38, 58, 0.12);
  --cc-surface: rgba(255, 255, 255, 0.95);
  --cc-surface-soft: rgba(255, 255, 255, 0.82);
  --cc-brand: #0f6abf;
  --cc-brand-deep: #0b345f;
  --cc-brand-soft: #e8f2fb;
  --cc-brand-2: #13a39a;
  --cc-positive: #157347;
  --cc-caution: #af6a11;
  --cc-danger: #a33d3d;
  --cc-highlight: #f08a38;
  --cc-shadow: 0 24px 54px rgba(16, 33, 58, 0.08);
  --cc-radius: 22px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--cc-ink);
  background:
    radial-gradient(circle at 0% 0%, rgba(19, 163, 154, 0.12), transparent 32%),
    radial-gradient(circle at 100% 12%, rgba(15, 106, 191, 0.12), transparent 36%),
    linear-gradient(180deg, #eef5ff 0%, #f7f9fc 44%, #f9f7f1 100%);
}

.app-shell,
.app-shell input,
.app-shell select,
.app-shell textarea,
.app-shell button {
  font: inherit;
}

.app-shell {
  width: min(1200px, 94vw);
  margin: 24px auto 48px;
  color: var(--cc-ink);
}

.app-shell a {
  color: inherit;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 100;
}

.hero-credit-card {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
  gap: 22px;
  margin-top: 16px;
  padding: 28px;
  border-radius: 30px;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.06), transparent 42%),
    linear-gradient(135deg, var(--cc-brand-deep), var(--cc-brand) 56%, var(--cc-brand-2));
  box-shadow: var(--cc-shadow);
}

.hero-credit-card > [data-simplekit-header] {
  grid-column: 1 / -1;
}

.hero-credit-card .site-topbar {
  margin-bottom: 0;
}

.hero-copy,
.hero-side,
.hero-highlight,
.hero-mini-grid,
.results-stack,
.calculator-followup,
.calculator-card,
.input-card,
.form-toolbar,
.feature-grid,
.info-grid,
.comparison-grid,
.guidance-grid,
.target-grid,
.scenario-grid,
.related-tools-grid,
.callout-row {
  display: grid;
  gap: 12px;
}

.hero-side {
  align-content: start;
}

.eyebrow,
.section-kicker,
.step-kicker,
.mini-kicker,
.trust-label,
.status-pill {
  display: inline-flex;
  width: fit-content;
  margin: 0;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.eyebrow,
.mini-kicker {
  opacity: 0.86;
}

.section-kicker,
.step-kicker,
.trust-label {
  color: var(--cc-brand);
}

.hero-credit-card h1,
.panel h2 {
  margin: 0;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
}

.hero-credit-card h1 {
  font-size: clamp(2.5rem, 4.5vw, 4.9rem);
  line-height: 1.02;
  max-width: 11ch;
}

.hero-subtitle,
.hero-proof,
.muted,
.small-copy,
.panel-header p,
.results-block-head p,
.comparison-card p,
.faq-list p,
.related-tool-card p,
.tip-card p,
.result-card p {
  margin: 0;
}

.hero-subtitle {
  font-size: 1.08rem;
  font-weight: 700;
  max-width: 60ch;
}

.hero-proof,
.panel-header p,
.results-block-head p,
.feature-grid p,
.info-card p,
.comparison-card p,
.faq-list p,
.related-tool-card p,
.tip-card p,
.result-card p {
  line-height: 1.6;
}

.hero-actions,
.toolbar-actions,
.form-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.hero-trust-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.hero-trust-row span,
.hero-mini-grid div,
.hero-highlight {
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(7px);
}

.hero-trust-row span,
.hero-mini-grid div {
  padding: 10px 12px;
  font-size: 0.9rem;
}

.hero-mini-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.hero-highlight {
  padding: 18px;
}

.hero-highlight strong {
  display: block;
  font-size: clamp(1.8rem, 5vw, 3rem);
  line-height: 1.04;
  margin-bottom: 10px;
}

.mini-summary-label {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.82rem;
}

.panel,
.results-shell,
.results-status,
.feature-grid article,
.info-card,
.comparison-card,
.related-tool-card,
.tip-card,
.result-card {
  border: 1px solid var(--cc-line);
  border-radius: var(--cc-radius);
  background: var(--cc-surface);
  box-shadow: 0 10px 30px rgba(15, 34, 53, 0.04);
}

.page-flow {
  display: grid;
  gap: 14px;
  margin-top: 14px;
}

.panel {
  padding: 18px;
}

.lower-panel {
  border-color: rgba(24, 38, 58, 0.08);
  box-shadow: 0 4px 18px rgba(15, 34, 53, 0.025);
}

.panel-header,
.results-block-head,
.input-card-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}

.panel-header > p,
.results-block-head > p,
.input-card-head > p {
  max-width: 42ch;
}

.feature-grid,
.info-grid,
.result-grid,
.comparison-grid,
.guidance-grid,
.target-grid,
.scenario-grid,
.related-tools-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.feature-grid {
  margin-top: 12px;
}

.feature-grid article,
.info-card,
.comparison-card,
.related-tool-card,
.tip-card,
.result-card {
  padding: 12px;
}

.feature-grid strong,
.info-card h3,
.comparison-card strong,
.related-tool-card strong,
.result-card strong,
.tip-card strong {
  display: block;
  margin-bottom: 8px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(320px, 0.92fr) minmax(0, 1.08fr);
  align-items: start;
  gap: 14px;
  margin-top: 14px;
}

.calculator-followup {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 14px;
}

.calculator-card {
  align-content: start;
  padding: 16px;
  border-radius: 24px;
  border: 1px solid var(--cc-line);
  background: var(--cc-surface-soft);
}

.form-toolbar {
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: start;
}

.input-card {
  padding: 16px;
  border-radius: 18px;
  background: #fff;
  border: 1px solid var(--cc-line);
}

.input-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.form-field {
  display: grid;
  gap: 8px;
}

.form-field span {
  font-weight: 700;
}

.field-help,
.field-feedback {
  color: var(--cc-muted);
  font-size: 0.92rem;
  line-height: 1.5;
}

.field-with-prefix,
.field-with-suffix {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: center;
  overflow: hidden;
  border: 1px solid var(--cc-line);
  border-radius: 14px;
  background: #fff;
}

.field-with-suffix {
  grid-template-columns: minmax(0, 1fr) auto;
}

.field-with-prefix span,
.field-with-suffix span {
  padding: 12px 12px 12px 14px;
  color: var(--cc-muted);
  background: rgba(15, 106, 191, 0.05);
}

.field-with-suffix span {
  padding: 12px 14px 12px 12px;
}

.form-field input {
  width: 100%;
  padding: 12px 14px;
  border: 0;
  color: var(--cc-ink);
  background: transparent;
}

.form-field input[aria-invalid="true"] {
  background: rgba(163, 61, 61, 0.05);
}

.form-field.has-error .field-with-prefix,
.form-field.has-error .field-with-suffix {
  border-color: rgba(163, 61, 61, 0.45);
  box-shadow: 0 0 0 3px rgba(163, 61, 61, 0.08);
}

.form-field.has-error .field-help {
  color: var(--cc-danger);
}

.form-field input:focus,
.form-field button:focus,
.faq-list summary:focus,
.related-tool-card a:focus {
  outline: 3px solid rgba(15, 106, 191, 0.22);
  outline-offset: 2px;
}

.form-field input::placeholder {
  color: #8b98a4;
}

.callout-row {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 12px;
}

.field-feedback {
  margin-top: 12px;
  padding: 10px 12px;
  border: 1px solid var(--cc-line);
  border-radius: 14px;
  background: rgba(15, 106, 191, 0.05);
}

.quick-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 12px;
}

.chip-btn {
  min-height: 38px;
  padding: 0 12px;
  border: 1px solid rgba(15, 106, 191, 0.14);
  border-radius: 999px;
  background: #fff;
  color: var(--cc-ink);
  cursor: pointer;
  transition: transform 120ms ease, border-color 120ms ease, background-color 120ms ease;
}

.chip-btn:hover,
.chip-btn:focus {
  transform: translateY(-1px);
  border-color: rgba(15, 106, 191, 0.34);
  background: rgba(15, 106, 191, 0.05);
  outline: none;
}

.tip-card {
  background: linear-gradient(180deg, #f9fcfe, #ffffff);
}

.results-status {
  padding: 12px 14px;
}

.results-status[data-tone="positive"] {
  background: linear-gradient(180deg, rgba(21, 115, 71, 0.08), #fff);
}

.results-status[data-tone="caution"] {
  background: linear-gradient(180deg, rgba(175, 106, 17, 0.1), #fff);
}

.results-status[data-tone="danger"] {
  background: linear-gradient(180deg, rgba(163, 61, 61, 0.09), #fff);
}

.results-status strong {
  display: block;
  margin-bottom: 6px;
}

.results-shell {
  padding: 16px;
}

.results-wide .results-block-head {
  margin-bottom: 10px;
}

.results-wide {
  background:
    linear-gradient(180deg, rgba(15, 106, 191, 0.015), rgba(255, 255, 255, 0.98));
}

.guidance-shell,
.targets-shell,
.share-shell {
  border-color: transparent;
  background: transparent;
  box-shadow: none;
  padding: 0;
}

.guidance-shell .results-block-head,
.targets-shell .results-block-head,
.share-shell .results-block-head {
  margin-bottom: 6px;
}

.result-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.result-card:first-child {
  grid-column: span 3;
  background:
    linear-gradient(135deg, rgba(15, 106, 191, 0.08), rgba(19, 163, 154, 0.04)),
    #fff;
}

.result-card {
  position: relative;
  overflow: hidden;
}

.result-card::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 5px;
  background: linear-gradient(90deg, var(--cc-brand), rgba(15, 106, 191, 0.12));
}

.result-card .result-value {
  display: block;
  margin-bottom: 6px;
  font-size: clamp(1.2rem, 2.1vw, 1.8rem);
  line-height: 1.08;
}

.comparison-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
}

.comparison-card {
  background: linear-gradient(180deg, #ffffff, #f9fbfd);
  border-radius: 16px;
  box-shadow: 0 4px 14px rgba(15, 34, 53, 0.03);
}

.guidance-shell .comparison-card,
.targets-shell .comparison-card {
  border-radius: 14px;
  box-shadow: none;
  border-color: rgba(24, 38, 58, 0.08);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.82), rgba(249, 251, 253, 0.82));
  padding: 10px 11px;
}

.spotlight-panel {
  display: grid;
  grid-template-columns: minmax(250px, 0.82fr) minmax(0, 1.18fr);
  gap: 12px;
}

.spotlight-card {
  padding: 14px;
  border: 1px solid var(--cc-line);
  border-radius: 20px;
  background: linear-gradient(180deg, #ffffff, #f8fbfd);
}

.spotlight-card strong {
  display: block;
  font-size: clamp(1.25rem, 2.4vw, 2rem);
  line-height: 1.06;
  margin: 6px 0;
}

.spotlight-metrics {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid rgba(24, 38, 58, 0.08);
}

.spotlight-metrics strong {
  font-size: 1.1rem;
  margin: 4px 0 0;
}

.spotlight-chart-card {
  display: grid;
  gap: 10px;
}

.spotlight-chart-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}

.spotlight-chart-head > p {
  max-width: 26ch;
  margin: 0;
  color: var(--cc-muted);
  line-height: 1.45;
}

.spotlight-chart-head strong {
  font-size: 1.15rem;
  margin: 4px 0 0;
}

.chart-wrap {
  border: 1px solid rgba(24, 38, 58, 0.08);
  border-radius: 16px;
  background: linear-gradient(180deg, rgba(255,255,255,0.92), rgba(232,242,251,0.55));
  padding: 8px;
}

.spotlight-chart {
  display: block;
  width: 100%;
  height: auto;
}

.chart-axis {
  stroke: rgba(24, 38, 58, 0.18);
  stroke-width: 1;
}

.chart-line {
  fill: none;
  stroke-width: 2.5;
}

.chart-line-principal {
  stroke: #0f6abf;
}

.chart-line-interest {
  stroke: #f08a38;
}

.chart-label {
  fill: var(--cc-muted);
  font-size: 12px;
}

.payment-bar {
  display: flex;
  height: 12px;
  margin-top: 12px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.08);
}

.payment-bar-interest {
  background: linear-gradient(90deg, #f08a38, #f3b16f);
}

.payment-bar-principal {
  background: linear-gradient(90deg, #1c6f98, #2f8db5);
}

.payment-bar-label {
  margin-top: 8px;
  font-size: 0.92rem;
  color: var(--cc-muted);
}

.spotlight-primary {
  background:
    linear-gradient(135deg, rgba(15, 106, 191, 0.08), rgba(19, 163, 154, 0.05)),
    #ffffff;
}

.comparison-value {
  display: block;
  font-size: 1.16rem;
  margin-bottom: 4px;
}

.guidance-card {
  min-height: 100%;
}

.guidance-card-compact .comparison-value {
  font-size: 1rem;
}

.target-card,
.scenario-card {
  min-height: 100%;
}

.share-shell .form-actions {
  justify-content: flex-start;
}

.targets-shell {
  margin-top: -2px;
}

.targets-shell .target-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
}

.target-utility-card {
  display: grid;
  align-content: start;
  gap: 2px;
  min-height: auto;
  background: rgba(15, 106, 191, 0.035) !important;
}

.target-utility-card .trust-label {
  color: var(--cc-muted);
}

.target-utility-card .comparison-value {
  font-size: 1.35rem;
}

.target-utility-card p {
  color: var(--cc-muted);
  line-height: 1.4;
}

.status-pill {
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(15, 106, 191, 0.1);
  color: var(--cc-brand);
}

.status-pill.is-positive {
  background: rgba(21, 115, 71, 0.12);
  color: var(--cc-positive);
}

.status-pill.is-caution {
  background: rgba(175, 106, 17, 0.14);
  color: var(--cc-caution);
}

.status-pill.is-danger {
  background: rgba(163, 61, 61, 0.12);
  color: var(--cc-danger);
}

.assumptions-list {
  margin: 12px 0 0;
  padding-left: 1.25rem;
  line-height: 1.55;
}

.compact-method {
  display: grid;
  grid-template-columns: minmax(260px, 0.95fr) minmax(0, 1.05fr);
  gap: 14px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--cc-line);
}

.compact-method-copy h3 {
  margin: 4px 0 8px;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
  font-size: clamp(1.45rem, 2.4vw, 2rem);
}

.compact-method-copy p {
  margin: 0;
  line-height: 1.55;
}

.faq-list {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr;
}

.faq-list details {
  border: 1px solid rgba(24, 38, 58, 0.08);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.8);
  padding: 10px 12px;
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
}

.faq-list p {
  margin-top: 10px;
}

.related-tool-card {
  display: grid;
  gap: 8px;
  align-content: start;
  box-shadow: none;
  border-color: rgba(24, 38, 58, 0.09);
  background: rgba(255, 255, 255, 0.8);
}

.related-tool-card a {
  text-decoration: none;
}

.related-tool-card .btn {
  justify-self: start;
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 0 14px;
  border-radius: 999px;
  border: 1px solid rgba(15, 106, 191, 0.16);
  background: rgba(15, 106, 191, 0.04);
}

.summary-shell,
.comparison-shell,
.share-shell {
  grid-column: 1 / -1;
}

.guidance-shell .guidance-grid,
.targets-shell .target-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.comparison-shell {
  background:
    linear-gradient(180deg, rgba(15, 106, 191, 0.03), rgba(255, 255, 255, 0.98));
}

.share-shell {
  padding-top: 4px;
}

[data-simplekit-support] {
  margin-top: 2px;
  opacity: 0.76;
}

[data-simplekit-support] a,
[data-simplekit-support] button {
  box-shadow: none !important;
  filter: saturate(0.84);
  transform: scale(0.94);
  transform-origin: right bottom;
}

.learn-panel .info-grid,
.faq-panel .faq-list,
.next-step-panel .related-tools-grid {
  margin-top: 8px;
}

.next-step-panel {
  padding-bottom: 14px;
}

.inline-disclaimer {
  display: grid;
  grid-template-columns: minmax(220px, 0.7fr) minmax(0, 1.3fr);
  gap: 14px;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid rgba(24, 38, 58, 0.08);
}

.inline-disclaimer h3 {
  margin: 4px 0 0;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
  font-size: clamp(1.2rem, 2vw, 1.6rem);
}

.inline-disclaimer p {
  margin: 0;
  max-width: 75ch;
  line-height: 1.5;
}

@media (max-width: 980px) {
  .hero-credit-card,
  .calculator-layout,
  .calculator-followup,
  .compact-method,
  .inline-disclaimer,
  .feature-grid,
  .info-grid,
  .result-grid,
  .comparison-grid,
  .guidance-grid,
  .target-grid,
  .scenario-grid,
  .spotlight-panel,
  .hero-mini-grid,
  .related-tools-grid,
  .callout-row {
    grid-template-columns: 1fr;
  }

  .input-grid {
    grid-template-columns: 1fr;
  }

  .panel-header,
  .results-block-head,
  .input-card-head,
  .form-toolbar,
  .spotlight-chart-head {
    grid-template-columns: 1fr;
    display: grid;
  }
}

@media (max-width: 720px) {
  .app-shell {
    width: min(100%, calc(100vw - 24px));
    margin: 12px auto 28px;
  }

  .hero-credit-card,
  .panel,
  .results-shell,
  .calculator-card {
    padding: 16px;
    border-radius: 22px;
  }

  .hero-credit-card h1 {
    max-width: none;
  }

  .hero-actions,
  .toolbar-actions,
  .form-actions {
    flex-direction: column;
  }

  .hero-actions .btn,
  .toolbar-actions .btn,
  .form-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .faq-list {
    grid-template-columns: 1fr;
  }
}