/* PayoffLedger — shared styles */
:root{
  --paper:#F7F8F5; --card:#FFFFFF; --ink:#1A2420; --muted:#5B6963;
  --green:#0F6C4E; --green-dark:#0B523C; --amber:#B97514;
  --line:#DCE2DC; --line-strong:#B9C4BC;
  --mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
  --body:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --display:"Bricolage Grotesque","IBM Plex Sans",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);line-height:1.65;font-size:17px}
a{color:var(--green)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}

/* Header */
header.site{border-bottom:2px solid var(--ink);background:var(--card)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.brand{font-family:var(--display);font-weight:700;font-size:1.25rem;letter-spacing:-0.01em;color:var(--ink);text-decoration:none}
.brand .tick{color:var(--green)}
nav.main a{color:var(--ink);text-decoration:none;font-size:.95rem;margin-left:18px;border-bottom:2px solid transparent;padding-bottom:2px}
nav.main a:hover,nav.main a[aria-current="page"]{border-bottom-color:var(--green)}

/* Hero */
.hero{padding:56px 0 40px}
.hero h1{font-family:var(--display);font-weight:700;letter-spacing:-0.02em;font-size:clamp(1.9rem,4.5vw,3rem);line-height:1.12;margin:0 0 14px;max-width:22ch}
.hero p.lede{max-width:60ch;color:var(--muted);margin:0 0 8px}
.eyebrow{font-family:var(--mono);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green);margin:0 0 10px}

/* Calculator layout */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start;margin:28px 0 48px}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line-strong);border-radius:10px;padding:24px}
.panel h2{font-family:var(--display);font-size:1.15rem;margin:0 0 18px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.88rem;font-weight:600;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--muted)}
.field input,.field select{width:100%;padding:11px 12px;font:inherit;font-family:var(--mono);border:1px solid var(--line-strong);border-radius:6px;background:#FDFDFB;color:var(--ink)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:480px){.field-row{grid-template-columns:1fr}}

/* Signature: ledger results panel */
.ledger{background:var(--card);border:1px solid var(--line-strong);border-radius:10px;overflow:hidden}
.ledger-head{background:var(--green);color:#F2F7F4;padding:14px 20px;font-family:var(--mono);font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;display:flex;justify-content:space-between}
.ledger-body{padding:8px 20px 18px}
.ledger-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:12px 0;border-bottom:1px dashed var(--line)}
.ledger-row:last-child{border-bottom:none}
.ledger-row .k{font-size:.9rem;color:var(--muted)}
.ledger-row .v{font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:600;font-size:1.05rem;text-align:right}
.ledger-row.total .v{font-size:1.45rem;color:var(--green-dark)}
.ledger-row .v.save{color:var(--amber)}
.ledger-note{padding:10px 20px 16px;font-size:.8rem;color:var(--muted);border-top:1px solid var(--line)}

/* Amortization table */
.amort{margin:0 0 48px}
.amort h2{font-family:var(--display)}
table.sheet{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line-strong);font-family:var(--mono);font-variant-numeric:tabular-nums;font-size:.83rem}
table.sheet caption{caption-side:top;text-align:left;font-family:var(--body);font-size:.85rem;color:var(--muted);padding:0 0 8px}
table.sheet th{background:#EFF3EE;text-align:right;padding:8px 10px;border-bottom:2px solid var(--ink);font-weight:600}
table.sheet th:first-child,table.sheet td:first-child{text-align:left}
table.sheet td{text-align:right;padding:7px 10px;border-bottom:1px solid var(--line)}
.table-scroll{overflow-x:auto}

/* Article / FAQ */
article.explain{max-width:72ch;margin:0 0 56px}
article.explain h2{font-family:var(--display);font-size:1.4rem;margin-top:2.2em}
article.explain h3{font-family:var(--display);font-size:1.08rem}
.formula{font-family:var(--mono);background:var(--card);border:1px solid var(--line);border-left:4px solid var(--green);padding:14px 16px;border-radius:6px;overflow-x:auto;font-size:.92rem}
details.faq{background:var(--card);border:1px solid var(--line);border-radius:8px;margin:10px 0;padding:4px 16px}
details.faq summary{cursor:pointer;font-weight:600;padding:10px 0}
.disclaimer{background:#FBF6EC;border:1px solid #E4D3AE;border-radius:8px;padding:14px 18px;font-size:.85rem;color:#6B5426;margin:32px 0}

/* Tool cards on homepage */
.tool-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin:32px 0 56px}
.tool-card{background:var(--card);border:1px solid var(--line-strong);border-radius:10px;padding:22px;text-decoration:none;color:var(--ink);display:block;transition:border-color .15s}
.tool-card:hover{border-color:var(--green)}
.tool-card h3{font-family:var(--display);margin:0 0 8px;font-size:1.1rem}
.tool-card p{margin:0;font-size:.92rem;color:var(--muted)}
.tool-card .go{display:inline-block;margin-top:12px;font-family:var(--mono);font-size:.8rem;color:var(--green);letter-spacing:.06em}

/* Footer */
footer.site{border-top:2px solid var(--ink);background:var(--card);margin-top:40px}
footer.site .wrap{padding:26px 20px;display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:space-between;font-size:.85rem;color:var(--muted)}
footer.site a{color:var(--muted)}
.legal-page{max-width:72ch;padding:40px 0 60px}
.legal-page h1{font-family:var(--display)}