/* ─── Design tokens ──────────────────────────────────────────────────────── */
:root {
  --bg:           #f5f5f0;
  --surface:      #ffffff;
  --surface-2:    #f9f9f6;
  --border:       #e0dfd8;
  --border-2:     #c8c7be;
  --text-primary: #1a1a18;
  --text-secondary:#4a4a46;
  --text-muted:   #7a7a74;
  --accent:       #1a4f2e;
  --accent-light: #e8f2ec;
  --accent-mid:   #2d7a47;
  --accent-hover: #153d24;
  --red:          #c0392b;
  --amber:        #c47a00;
  --radius:       6px;
  --radius-lg:    12px;
  --shadow-sm:    0 1px 3px rgba(0,0,0,0.08);
  --shadow:       0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:    0 8px 32px rgba(0,0,0,0.12);
  --max-width:    960px;
}

/* ─── Reset ──────────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: 'IBM Plex Sans', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent-mid); text-decoration: none; }
a:hover { color: var(--accent-hover); text-decoration: underline; }
img, svg { display: block; }

/* ─── Layout ─────────────────────────────────────────────────────────────── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* ─── Header ─────────────────────────────────────────────────────────────── */
.site-header {
  background: var(--accent);
  height: 58px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}
.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: -0.01em;
}
.logo:hover { color: #fff; text-decoration: none; }
.logo-leaf {
  width: 22px;
  height: 22px;
  fill: #fff;
  flex-shrink: 0;
}
.site-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.site-nav a {
  color: rgba(255,255,255,0.85);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 6px 10px;
  border-radius: var(--radius);
  transition: color 0.15s, background 0.15s;
  text-decoration: none;
}
.site-nav a:hover, .site-nav a.active {
  color: #fff;
  background: rgba(255,255,255,0.10);
  text-decoration: none;
}

/* ─── Hero ───────────────────────────────────────────────────────────────── */
.hero {
  background: var(--accent);
  color: #fff;
  padding: 32px 20px 28px;
  border-bottom: 3px solid var(--accent-mid);
}
.hero h1 {
  font-size: clamp(1.4rem, 4vw, 2rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}
.hero p {
  color: rgba(255,255,255,0.82);
  font-size: 0.95rem;
  max-width: 620px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 20px;
  padding: 4px 12px;
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.01em;
  margin-bottom: 14px;
  color: rgba(255,255,255,0.95);
}

/* Hero for inner pages */
.page-hero {
  background: var(--accent);
  color: #fff;
  padding: 28px 0 24px;
  border-bottom: 3px solid var(--accent-mid);
}
.page-hero h1 {
  font-size: clamp(1.3rem, 3.5vw, 1.8rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.page-hero p {
  color: rgba(255,255,255,0.82);
  font-size: 0.9rem;
}

/* ─── Main content area ──────────────────────────────────────────────────── */
.main-content {
  padding: 28px 20px 56px;
}
.content-col {
  max-width: 760px;
  margin: 0 auto;
}

/* ─── Calculator card ────────────────────────────────────────────────────── */
.calc-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  margin-bottom: 24px;
  overflow: hidden;
}
.calc-header {
  background: var(--accent-light);
  border-bottom: 1px solid var(--border);
  padding: 14px 24px;
}
.calc-header h2 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--accent);
  margin: 0;
}
.calc-body {
  padding: 24px;
}

/* ─── Form ───────────────────────────────────────────────────────────────── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px 20px;
  margin-bottom: 20px;
}
.field-full { grid-column: 1 / -1; }

.field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 5px;
}
.field .hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 3px;
}
.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix {
  position: absolute;
  left: 12px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-secondary);
  font-family: 'IBM Plex Mono', monospace;
  pointer-events: none;
  user-select: none;
}
.input-wrap input[type="number"],
.input-wrap input[type="text"] {
  width: 100%;
  padding: 11px 12px 11px 26px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.95rem;
  color: var(--text-primary);
  background: var(--surface);
  transition: border-color 0.15s, box-shadow 0.15s;
  -moz-appearance: textfield;
}
.input-wrap input[type="number"]::-webkit-outer-spin-button,
.input-wrap input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }
.input-wrap input:focus {
  outline: none;
  border-color: var(--accent-mid);
  box-shadow: 0 0 0 3px rgba(45,122,71,0.12);
}
select {
  width: 100%;
  padding: 11px 12px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.9rem;
  color: var(--text-primary);
  background: var(--surface);
  cursor: pointer;
  transition: border-color 0.15s, box-shadow 0.15s;
}
select:focus {
  outline: none;
  border-color: var(--accent-mid);
  box-shadow: 0 0 0 3px rgba(45,122,71,0.12);
}

/* TD1X radio toggle */
.radio-group {
  display: flex;
  gap: 8px;
}
.radio-group label {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 9px 14px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: border-color 0.15s, background 0.15s, color 0.15s;
  user-select: none;
}
.radio-group input[type="radio"] { display: none; }
.radio-group input[type="radio"]:checked + label {
  border-color: var(--accent-mid);
  background: var(--accent-light);
  color: var(--accent);
}
.radio-group label:hover {
  border-color: var(--accent-mid);
  color: var(--accent);
}

/* YTD collapsible */
.ytd-toggle-btn {
  background: none;
  border: none;
  color: var(--accent-mid);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  padding: 0;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 4px;
}
.ytd-toggle-btn:hover { color: var(--accent-hover); }
.ytd-section {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  margin-bottom: 20px;
}
.ytd-section .form-grid { margin-bottom: 0; }

/* Calculate button */
.btn-calculate {
  width: 100%;
  padding: 15px 24px;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: background 0.15s, box-shadow 0.15s;
}
.btn-calculate:hover {
  background: var(--accent-hover);
  box-shadow: var(--shadow);
}
.btn-calculate:active { transform: translateY(1px); }

/* ─── Trust strip ────────────────────────────────────────────────────────── */
.trust-strip {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 10px 16px;
  font-size: 0.8rem;
  color: var(--text-secondary);
  display: flex;
  flex-wrap: wrap;
  gap: 6px 16px;
  margin-bottom: 24px;
}
.trust-strip span {
  color: var(--accent-mid);
  font-weight: 700;
}

/* ─── Results ────────────────────────────────────────────────────────────── */
#results {
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  margin-bottom: 28px;
  overflow: hidden;
}
.results-inner { padding: 24px; }
.results-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 16px;
}
.result-table {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 16px;
}
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 16px;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.result-row:last-child { border-bottom: none; }
.result-row.result-bold {
  background: var(--accent-light);
  font-weight: 600;
}
.result-row.result-highlight {
  background: var(--accent);
  color: #fff;
  font-weight: 600;
}
.result-row.result-highlight .rr-value { color: #fff; }
.rr-value {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-primary);
}

/* Rate blocks */
.rate-blocks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.rate-block {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 14px;
}
.rate-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
}
.rate-value {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--accent);
}
.rate-sub {
  font-size: 0.73rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* TD1X comparison table */
.compare-header {
  display: grid;
  grid-template-columns: 1fr 130px 130px;
  gap: 0;
  padding: 8px 16px;
  background: var(--accent);
  border-radius: var(--radius) var(--radius) 0 0;
  margin-bottom: 0;
}
.col-head {
  font-size: 0.78rem;
  font-weight: 700;
  color: #fff;
  text-align: right;
  line-height: 1.3;
}
.col-head small { font-weight: 400; opacity: 0.8; }
.compare-table .result-row {
  display: grid;
  grid-template-columns: 1fr 130px 130px;
}
.compare-table .rr-label { font-size: 0.88rem; }
.compare-table .rr-value { text-align: right; }
.compare-table .rr-b { color: var(--accent-mid); }
.compare-saving {
  background: var(--accent-light);
  border: 1px solid #b8d8c4;
  border-radius: var(--radius);
  padding: 10px 14px;
  font-size: 0.85rem;
  color: var(--text-secondary);
  margin-top: 12px;
}

/* Error message */
.error-msg {
  padding: 14px 16px;
  background: #fff5f5;
  border: 1px solid #f5c6cb;
  border-radius: var(--radius);
  color: var(--red);
  font-size: 0.875rem;
}

/* ─── Disclaimers ────────────────────────────────────────────────────────── */
.disclaimers {
  background: #fffbf0;
  border: 1px solid #f0d98a;
  border-radius: var(--radius);
  padding: 12px 16px;
  font-size: 0.78rem;
  color: var(--text-secondary);
  margin-bottom: 28px;
}
.disclaimers ul {
  margin: 6px 0 0 16px;
  line-height: 1.7;
}

/* ─── Info / methodology sections ────────────────────────────────────────── */
.info-section {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
  box-shadow: var(--shadow-sm);
}
.info-section h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.01em;
  margin-bottom: 12px;
}
.info-section h3 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--accent);
  margin: 16px 0 6px;
}
.info-section p, .info-section li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.65;
}
.info-section ul, .info-section ol {
  margin: 8px 0 8px 20px;
}
.info-section li { margin-bottom: 4px; }

.info-box {
  background: var(--accent-light);
  border: 1px solid #b8d8c4;
  border-left: 4px solid var(--accent-mid);
  border-radius: var(--radius);
  padding: 12px 16px;
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin: 14px 0;
}

.formula {
  background: var(--surface-2);
  border-left: 3px solid var(--accent-mid);
  padding: 10px 16px;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-family: 'IBM Plex Mono', monospace;
  font-size: 0.82rem;
  color: var(--text-secondary);
  margin: 10px 0;
  overflow-x: auto;
}

/* ─── Page content (about, faq, etc.) ───────────────────────────────────── */
.page-content {
  padding: 32px 20px 56px;
}
.page-content h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-primary);
  margin: 24px 0 8px;
}
.page-content h2:first-child { margin-top: 0; }
.page-content h3 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--accent);
  margin: 18px 0 6px;
}
.page-content p {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 12px;
}
.page-content ul, .page-content ol {
  margin: 8px 0 12px 20px;
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.7;
}
.page-content li { margin-bottom: 4px; }
.page-content a { color: var(--accent-mid); }
.page-content a:hover { color: var(--accent-hover); }

/* FAQ accordion */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 8px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  background: var(--surface);
  border: none;
  padding: 14px 16px;
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background 0.15s;
}
.faq-q:hover { background: var(--accent-light); }
.faq-q[aria-expanded="true"] { background: var(--accent-light); color: var(--accent); }
.faq-icon { font-size: 0.75rem; color: var(--text-muted); transition: transform 0.2s; }
.faq-q[aria-expanded="true"] .faq-icon { transform: rotate(90deg); }
.faq-a {
  padding: 0 16px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease, padding 0.2s;
}
.faq-a.open {
  padding: 12px 16px 16px;
  max-height: 800px;
}
.faq-a p, .faq-a ul { font-size: 0.88rem; color: var(--text-secondary); }
.faq-a ul { margin-left: 18px; margin-top: 6px; }

/* ─── Contact form ───────────────────────────────────────────────────────── */
.contact-form {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 20px 0 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-form .field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 5px;
}
.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 11px 14px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 0.9rem;
  color: var(--text-primary);
  background: var(--surface);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--accent-mid);
  box-shadow: 0 0 0 3px rgba(45,122,71,0.12);
}
.contact-form textarea {
  min-height: 110px;
  resize: vertical;
}
.calc-btn {
  display: inline-block;
  padding: 13px 28px;
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: var(--radius);
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: background 0.15s, box-shadow 0.15s;
}
.calc-btn:hover { background: var(--accent-hover); box-shadow: var(--shadow); }
.calc-btn:disabled { opacity: 0.7; cursor: not-allowed; }

/* ─── Footer ─────────────────────────────────────────────────────────────── */
.site-footer {
  background: var(--accent);
  color: rgba(255,255,255,0.70);
  padding: 36px 20px 24px;
  font-size: 0.82rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1.5fr 1fr;
  gap: 32px;
  max-width: var(--max-width);
  margin: 0 auto 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.footer-col h4 {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #fff;
  margin-bottom: 10px;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  margin-bottom: 5px;
  text-decoration: none;
  transition: color 0.15s;
}
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
}
.footer-bottom a { color: rgba(255,255,255,0.65); }
.footer-bottom a:hover { color: #fff; }

/* ─── Responsive ─────────────────────────────────────────────────────────── */
@media (max-width: 680px) {
  .form-grid { grid-template-columns: 1fr; }
  .field-full { grid-column: 1; }
  .rate-blocks { grid-template-columns: 1fr; }
  .compare-header,
  .compare-table .result-row { grid-template-columns: 1fr 90px 90px; }
  .col-head { font-size: 0.72rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .site-nav a { padding: 6px 7px; font-size: 0.82rem; }
}
@media (max-width: 420px) {
  .footer-grid { grid-template-columns: 1fr; }
  .compare-header,
  .compare-table .result-row { grid-template-columns: 1fr 80px 80px; }
}