/* SmartMoney Calculators — lightweight, fast, theme-aware. No web fonts (best CWV). */
:root{
  --bg:#f6f8fb; --surface:#ffffff; --surface-2:#eef2f7; --text:#0f172a; --muted:#5a6b82;
  --border:#e2e8f0; --brand:#059669; --brand-2:#047857; --brand-ink:#ffffff;
  --accent:#2563eb; --warn:#b45309; --shadow:0 1px 2px rgba(15,23,42,.06),0 8px 24px rgba(15,23,42,.06);
  --radius:14px; --maxw:1120px;
}
@media (prefers-color-scheme:dark){
  :root{--bg:#0b1220;--surface:#111a2b;--surface-2:#0e1626;--text:#e6edf6;--muted:#9fb0c7;
    --border:#1f2b41;--brand:#10b981;--brand-2:#34d399;--accent:#60a5fa;--shadow:0 1px 2px rgba(0,0,0,.4),0 10px 30px rgba(0,0,0,.35);}
}
:root[data-theme="dark"]{--bg:#0b1220;--surface:#111a2b;--surface-2:#0e1626;--text:#e6edf6;--muted:#9fb0c7;--border:#1f2b41;--brand:#10b981;--brand-2:#34d399;--accent:#60a5fa;--shadow:0 1px 2px rgba(0,0,0,.4),0 10px 30px rgba(0,0,0,.35);}
:root[data-theme="light"]{--bg:#f6f8fb;--surface:#ffffff;--surface-2:#eef2f7;--text:#0f172a;--muted:#5a6b82;--border:#e2e8f0;--brand:#059669;--brand-2:#047857;--accent:#2563eb;}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;line-height:1.6;font-size:16px}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:var(--maxw);margin:0 auto;padding:0 18px}
h1,h2,h3{line-height:1.25;color:var(--text);margin:.2em 0 .5em}
h1{font-size:1.9rem;letter-spacing:-.02em}
h2{font-size:1.4rem;letter-spacing:-.01em}
.muted{color:var(--muted)}
.center{text-align:center}

/* Header */
.site-header{position:sticky;top:0;z-index:40;background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;gap:14px;height:62px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;color:var(--text);font-size:1.12rem;letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand .logo{width:30px;height:30px;flex:0 0 auto}
.site-nav{margin-left:auto;display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.site-nav a{color:var(--muted);font-weight:600;font-size:.94rem;padding:8px 10px;border-radius:9px}
.site-nav a:hover{color:var(--text);background:var(--surface-2);text-decoration:none}
.site-nav a[aria-current="page"]{color:var(--brand);background:color-mix(in srgb,var(--brand) 12%,transparent)}
.theme-btn{background:var(--surface-2);border:1px solid var(--border);color:var(--text);width:38px;height:38px;border-radius:10px;cursor:pointer;font-size:1rem}
.nav-toggle{display:none;margin-left:auto;background:var(--surface-2);border:1px solid var(--border);color:var(--text);width:42px;height:40px;border-radius:10px;font-size:1.3rem;cursor:pointer}
@media(max-width:860px){
  .nav-toggle{display:block}
  .site-nav{position:fixed;inset:62px 0 auto 0;margin:0;flex-direction:column;gap:0;background:var(--surface);border-bottom:1px solid var(--border);padding:8px 12px 14px;transform:translateY(-140%);transition:transform .22s ease;box-shadow:var(--shadow)}
  .site-nav.open{transform:translateY(0)}
  .site-nav a{padding:12px 8px;border-radius:8px;font-size:1rem;width:100%}
  .theme-btn{width:100%;height:44px;margin-top:6px}
}

/* Hero */
.hero{padding:44px 0 26px;background:radial-gradient(1000px 400px at 80% -10%,color-mix(in srgb,var(--brand) 16%,transparent),transparent)}
.hero h1{font-size:2.3rem;max-width:16ch}
.hero p{font-size:1.12rem;color:var(--muted);max-width:60ch}
.hero .pill{display:inline-block;font-size:.8rem;font-weight:700;color:var(--brand-2);background:color-mix(in srgb,var(--brand) 14%,transparent);padding:5px 11px;border-radius:999px;margin-bottom:14px}
@media(max-width:600px){.hero h1{font-size:1.7rem}.hero{padding:30px 0 18px}}

/* Cards / tool grid */
.section{padding:26px 0}
.grid{display:grid;gap:16px}
.tools-grid{grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.card{display:block;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);transition:transform .15s ease,border-color .15s ease}
a.card:hover{text-decoration:none;transform:translateY(-3px);border-color:color-mix(in srgb,var(--brand) 45%,var(--border))}
.card .ico{width:44px;height:44px;border-radius:11px;display:grid;place-items:center;background:color-mix(in srgb,var(--brand) 14%,transparent);color:var(--brand-2);font-size:1.4rem;margin-bottom:10px}
.card h3{margin:.1em 0 .25em;font-size:1.08rem;color:var(--text)}
.card p{margin:0;color:var(--muted);font-size:.93rem}

/* Breadcrumb */
.crumb{font-size:.85rem;color:var(--muted);padding:14px 0 0}
.crumb a{color:var(--muted)}

/* Calculator layout */
.calc-wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:22px;align-items:start;margin:14px 0 8px}
@media(max-width:820px){.calc-wrap{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px}
.panel h2{margin-top:0;font-size:1.15rem}
.field{margin:0 0 14px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--muted);font-size:.82rem}
.control{position:relative;display:flex;align-items:center}
.control .adorn{position:absolute;left:12px;color:var(--muted);font-weight:600;pointer-events:none}
.control .adorn-r{left:auto;right:12px}
input[type=number],input[type=text],select{width:100%;padding:11px 12px;border:1px solid var(--border);background:var(--surface-2);color:var(--text);border-radius:10px;font-size:1rem;font-family:inherit}
.control.has-left input{padding-left:26px}
.control.has-right input{padding-right:30px}
input:focus,select:focus{outline:2px solid color-mix(in srgb,var(--brand) 55%,transparent);outline-offset:1px;border-color:var(--brand)}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:460px){.row-2{grid-template-columns:1fr}}
.btn{display:inline-block;background:var(--brand);color:var(--brand-ink);font-weight:700;border:0;border-radius:10px;padding:12px 18px;font-size:1rem;cursor:pointer}
.btn:hover{background:var(--brand-2);text-decoration:none}
.btn.ghost{background:var(--surface-2);color:var(--text);border:1px solid var(--border)}

/* Results */
.result .big{font-size:2.2rem;font-weight:800;letter-spacing:-.02em;color:var(--brand-2);line-height:1.1}
.result .big small{display:block;font-size:.82rem;font-weight:600;color:var(--muted);letter-spacing:0}
.stat-list{list-style:none;margin:16px 0 0;padding:0}
.stat-list li{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-top:1px dashed var(--border)}
.stat-list li span:last-child{font-weight:700}
.note{font-size:.82rem;color:var(--muted);margin-top:12px}
.warnbox{display:none;background:color-mix(in srgb,var(--warn) 14%,transparent);color:var(--warn);border:1px solid color-mix(in srgb,var(--warn) 35%,transparent);padding:10px 12px;border-radius:10px;font-size:.9rem;margin-top:12px}
.warnbox.show{display:block}

/* Affiliate reco */
.reco{background:linear-gradient(180deg,color-mix(in srgb,var(--brand) 8%,var(--surface)),var(--surface));border:1px solid color-mix(in srgb,var(--brand) 30%,var(--border));border-radius:var(--radius);padding:16px;margin:18px 0}
.reco h3{margin-top:0;font-size:1rem;display:flex;align-items:center;gap:8px}
.reco .tag{font-size:.7rem;font-weight:700;color:var(--brand-2);background:color-mix(in srgb,var(--brand) 16%,transparent);padding:3px 8px;border-radius:999px}
.offer{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:11px 0;border-top:1px solid var(--border)}
.offer:first-of-type{border-top:0}
.offer b{display:block}.offer small{color:var(--muted)}
.offer .btn{padding:8px 14px;font-size:.9rem;white-space:nowrap}

/* Ad slots */
.ad-slot{margin:20px 0;min-height:90px;display:grid;place-items:center;background:repeating-linear-gradient(45deg,var(--surface-2),var(--surface-2) 10px,transparent 10px,transparent 20px);border:1px dashed var(--border);border-radius:12px;color:var(--muted);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase}
.ad-slot::before{content:"Advertisement"}
.ad-slot.filled{background:none;border:0;min-height:0}

/* Prose / content */
.prose{max-width:760px}
.prose h2{margin-top:1.4em}
.prose p,.prose li{color:var(--text)}
.prose ul{padding-left:20px}
.faq details{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:2px 16px;margin:10px 0}
.faq summary{cursor:pointer;font-weight:700;padding:12px 0}
.faq details[open]{box-shadow:var(--shadow)}
.tbl{width:100%;border-collapse:collapse;margin:12px 0;font-size:.94rem;overflow:hidden;border-radius:10px}
.tbl th,.tbl td{padding:10px 12px;border:1px solid var(--border);text-align:left}
.tbl th{background:var(--surface-2)}

/* Footer */
.site-footer{margin-top:40px;background:var(--surface);border-top:1px solid var(--border)}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:26px;padding:34px 0 20px}
@media(max-width:760px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:440px){.footer-grid{grid-template-columns:1fr}}
.footer-grid h4{font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:0 0 10px}
.footer-grid a{display:block;color:var(--text);padding:4px 0;font-size:.94rem}
.footer-grid .blurb{color:var(--muted);font-size:.9rem;max-width:34ch}
.copyright{border-top:1px solid var(--border);padding:16px 0;color:var(--muted);font-size:.85rem;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.disclaimer-min{font-size:.8rem;color:var(--muted);max-width:60ch}