/*
 * LearnwithStanley Calculators
 * Palette: white, black and dark blue. Type: Playfair Display (headings) + DM Sans (text).
 */
:root {
  --navy-900: #071a33;
  --navy-800: #0b2545;
  --navy-700: #13315c;
  --navy-600: #1e4f8a;
  --black: #0a0f1a;

  --bg: #f4f6f9;
  --surface: #ffffff;
  --surface-2: #eef2f7;
  --ink: #0a0f1a;
  --ink-2: #364152;
  --ink-3: #697586;
  --line: #dde3eb;
  --accent: #13315c;
  --accent-ink: #ffffff;
  --accent-soft: #e6edf7;
  --link: #1e4f8a;

  --save: #13315c;
  --save-fill: rgba(19, 49, 92, 0.12);
  --draw: #5b8cc9;
  --draw-fill: rgba(91, 140, 201, 0.16);
  --contrib: #98a2b3;
  --contrib-fill: rgba(152, 162, 179, 0.2);
  --good: #0f6b4f;
  --warn: #b45309;
  --bad: #b42318;

  --hero-bg: linear-gradient(135deg, #071a33 0%, #0b2545 45%, #1e4f8a 100%);
  --radius: 6px;
  --shadow: 0 1px 2px rgba(10, 15, 26, 0.04), 0 4px 16px rgba(10, 15, 26, 0.05);
  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --sans: "DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #070c16;
    --surface: #0e1626;
    --surface-2: #162238;
    --ink: #eef2f8;
    --ink-2: #c3ccda;
    --ink-3: #8b97a9;
    --line: #1f2c44;
    --accent: #8fb4ea;
    --accent-ink: #071a33;
    --accent-soft: #162a4a;
    --link: #8fb4ea;
    --save: #8fb4ea;
    --save-fill: rgba(143, 180, 234, 0.16);
    --draw: #4a78b5;
    --draw-fill: rgba(74, 120, 181, 0.2);
    --contrib: #6b7a90;
    --contrib-fill: rgba(107, 122, 144, 0.22);
    --good: #5cc6a0;
    --warn: #f2b84b;
    --bad: #f07a6e;
    --shadow: none;
    color-scheme: dark;
  }
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--link); }
:focus-visible { outline: 2px solid var(--navy-600); outline-offset: 2px; }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 16px; }

/* Header */
.site-header { background: var(--surface); border-top: 4px solid var(--navy-800); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-family: var(--serif); font-weight: 700; color: var(--ink); text-decoration: none; font-size: 1.2rem; line-height: 1.2; white-space: nowrap; }
.brand::before { content: "STAN"; display: inline-grid; place-items: center; height: 32px; padding: 0 9px; background: var(--navy-800); color: #fff; font-family: var(--sans); font-weight: 700; font-size: 0.78rem; letter-spacing: 0.14em; border-radius: 4px; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .brand::before { background: #fff; color: var(--navy-800); } }
@media (max-width: 420px) { .brand { font-size: 1.02rem; } .brand::before { height: 28px; padding: 0 7px; font-size: 0.68rem; } }
.nav { display: flex; gap: 4px; flex-wrap: wrap; }
.nav a { color: var(--ink-2); text-decoration: none; font-weight: 700; padding: 8px 14px; border-radius: var(--radius); text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.74rem; border: 1px solid var(--line); }
.nav a:hover { border-color: var(--navy-700); color: var(--navy-700); }
.nav a[aria-current="page"] { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }

/* Page intro */
.intro { padding: 36px 0 22px; }
.intro h1 { font-family: var(--serif); font-weight: 700; font-size: clamp(1.7rem, 3.5vw, 2.4rem); line-height: 1.15; letter-spacing: -0.01em; margin: 0 0 10px; color: var(--ink); }
.intro h1::after { content: ""; display: block; width: 48px; height: 3px; background: var(--navy-600); margin-top: 14px; }
.intro p { color: var(--ink-2); margin: 0; max-width: 64ch; }

/* Calculator layout */
.calc { display: grid; grid-template-columns: minmax(280px, 360px) 1fr; gap: 22px; align-items: start; padding-bottom: 40px; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.inputs { padding: 22px; position: sticky; top: 16px; }
@media (max-width: 860px) { .inputs { position: static; } }
.inputs h2, .panel h2 { font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--navy-600); margin: 0 0 14px; font-weight: 700; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .inputs h2, :root:not([data-theme="light"]) .panel h2 { color: var(--accent); } }
.inputs h2:not(:first-child) { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); }

.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; font-size: 0.92rem; margin-bottom: 6px; }
.field .hint { display: block; font-size: 0.8rem; color: var(--ink-3); margin-top: 4px; }
.input { display: flex; align-items: center; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); transition: border-color 0.15s, box-shadow 0.15s; }
.input:hover { border-color: #b9c3d1; }
.input:focus-within { border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(30, 79, 138, 0.15); }
.input .affix { color: var(--ink-3); font-weight: 600; padding: 0 10px; font-size: 0.95rem; white-space: nowrap; }
.input .affix:first-child { padding-right: 0; }
.input .affix:last-child { padding-left: 0; }
.input input { flex: 1; min-width: 0; border: 0; background: transparent; color: var(--ink); font: inherit; font-weight: 600; padding: 10px 12px; outline: none; font-variant-numeric: tabular-nums; }
.field.invalid .input { border-color: var(--bad); }

.slider-row { display: flex; gap: 12px; align-items: center; }
.slider-row input[type="range"] { flex: 1; accent-color: var(--navy-700); }
.slider-row .input { width: 104px; flex: none; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border: 1px solid var(--line); background: var(--surface); color: var(--ink); font: inherit; font-weight: 600; font-size: 0.88rem; padding: 9px 14px; border-radius: var(--radius); cursor: pointer; text-decoration: none; transition: background 0.15s, border-color 0.15s, color 0.15s; }
.btn:hover { border-color: var(--navy-700); color: var(--navy-700); }
.btn svg { width: 16px; height: 16px; flex: none; }
.btn-primary { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }
.btn-primary:hover { background: var(--navy-700); border-color: var(--navy-700); color: #fff; }
.input-actions { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 8px; }

/* Results */
.results { display: grid; gap: 20px; min-width: 0; }
.hero { position: relative; overflow: hidden; padding: 26px; background: var(--hero-bg); color: #fff; border: 0; }
.hero::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; border: 36px solid rgba(255, 255, 255, 0.05); pointer-events: none; }
.hero .label { font-weight: 700; color: #b9cdea; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.14em; }
.hero .big { font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.1rem); font-weight: 700; letter-spacing: -0.01em; line-height: 1.1; margin: 6px 0 8px; font-variant-numeric: lining-nums tabular-nums; }
.hero .sub { color: #dbe5f3; font-size: 0.95rem; max-width: 60ch; }
.hero-actions { position: relative; z-index: 1; margin-top: 16px; display: flex; gap: 8px; flex-wrap: wrap; }
.hero .btn-share { background: #fff; border-color: #fff; color: var(--navy-800); font-weight: 700; }
.hero .btn-share:hover { background: #e6edf7; border-color: #e6edf7; color: var(--navy-900); }

.stats { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 420px) { .stats { grid-template-columns: 1fr; } }
.stat { padding: 16px 18px; border-left: 3px solid var(--navy-700); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .stat { border-left-color: var(--accent); } }
.stat .label { color: var(--ink-3); font-size: 0.8rem; font-weight: 600; }
.stat .value { font-size: 1.4rem; font-weight: 700; letter-spacing: -0.01em; margin-top: 2px; font-variant-numeric: tabular-nums; color: var(--ink); }
.stat .note { color: var(--ink-3); font-size: 0.8rem; margin-top: 2px; }
.stat.good .value { color: var(--good); }
.stat.warn .value { color: var(--warn); }
.stat.bad .value { color: var(--bad); }

.panel { padding: 22px; min-width: 0; }
.panel-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 10px; }
.panel-head h2 { margin: 0; }

.toggle { display: inline-flex; background: var(--surface-2); border-radius: var(--radius); padding: 3px; }
.toggle button { border: 0; background: transparent; color: var(--ink-2); font: inherit; font-size: 0.8rem; font-weight: 700; padding: 6px 10px; border-radius: 4px; cursor: pointer; }
.toggle button[aria-pressed="true"] { background: var(--navy-800); color: #fff; }

.legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: 0.85rem; color: var(--ink-2); margin-bottom: 4px; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }

.callout { padding: 14px 16px; border-radius: var(--radius); background: var(--accent-soft); border-left: 3px solid var(--navy-600); color: var(--ink-2); font-size: 0.92rem; }
.callout strong { color: var(--ink); }

/* Chart */
.chart { position: relative; width: 100%; }
.chart svg { display: block; width: 100%; height: auto; overflow: visible; }
.chart .grid line { stroke: var(--line); }
.chart .axis text { fill: var(--ink-3); font-size: 11px; font-family: var(--sans); }
.chart .marker line { stroke: var(--ink-3); stroke-dasharray: 3 4; }
.chart .marker text { fill: var(--ink-2); font-size: 11px; font-weight: 700; font-family: var(--sans); }
.chart .hover-line { stroke: var(--ink-3); }
.chart-tip { position: absolute; pointer-events: none; background: var(--black); color: #fff; font-size: 0.8rem; padding: 8px 10px; border-radius: 6px; white-space: nowrap; transform: translate(-50%, -100%); opacity: 0; transition: opacity 0.1s; z-index: 2; }
.chart-tip b { display: block; margin-bottom: 2px; }
.chart-tip span { display: block; font-variant-numeric: tabular-nums; }

/* Table */
details.table { margin-top: 6px; }
details.table summary { cursor: pointer; font-weight: 700; color: var(--link); font-size: 0.9rem; padding: 6px 0; }
.table-scroll { overflow-x: auto; max-height: 420px; overflow-y: auto; border: 1px solid var(--line); border-radius: var(--radius); margin-top: 8px; }
table { border-collapse: collapse; width: 100%; font-size: 0.88rem; font-variant-numeric: tabular-nums; }
th, td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--line); white-space: nowrap; }
th:first-child, td:first-child { text-align: left; }
thead th { position: sticky; top: 0; background: var(--navy-800); color: #fff; font-weight: 600; }
tbody tr:nth-child(even) td { background: var(--surface-2); }
tr.phase-draw td:first-child { color: var(--navy-600); }

/* Home */
.banner { position: relative; overflow: hidden; background: var(--hero-bg); color: #fff; padding: 64px 0 60px; text-align: center; margin-bottom: 36px; }
.banner::before, .banner::after { content: ""; position: absolute; border-radius: 50%; border: 48px solid rgba(255, 255, 255, 0.04); pointer-events: none; }
.banner::before { width: 360px; height: 360px; left: -140px; bottom: -200px; }
.banner::after { width: 280px; height: 280px; right: -90px; top: -130px; }
.banner .wrap { position: relative; z-index: 1; }
.banner .banner-kicker { font-size: 0.76rem; font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; color: #b9cdea; margin: 0 auto 14px; }
.banner h1 { font-family: var(--serif); font-weight: 700; font-size: clamp(2.1rem, 5.5vw, 3.4rem); line-height: 1.1; margin: 0 0 16px; }
.banner p { margin: 0 auto; max-width: 56ch; color: #dbe5f3; }
.banner .trust { display: flex; justify-content: center; gap: 10px 26px; flex-wrap: wrap; margin-top: 24px; font-size: 0.85rem; color: #dbe5f3; }
.banner .trust span::before { content: "\2713"; margin-right: 8px; color: #8fb4ea; font-weight: 700; }

.group-title { display: flex; align-items: center; gap: 14px; font-family: var(--serif); font-size: 1.4rem; margin: 6px 0 16px; }
.group-title::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.tools { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 16px; padding-bottom: 36px; }
.tool { position: relative; display: flex; flex-direction: column; padding: 22px; text-decoration: none; color: var(--ink); transition: transform 0.15s, border-color 0.15s, box-shadow 0.15s; }
.tool::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: var(--navy-700); border-radius: var(--radius) var(--radius) 0 0; transform: scaleX(0); transform-origin: left; transition: transform 0.2s; }
.tool:hover { transform: translateY(-2px); border-color: #b9c3d1; box-shadow: 0 8px 24px rgba(10, 15, 26, 0.08); }
.tool:hover::before { transform: scaleX(1); }
.tool .tag { align-self: flex-start; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--navy-600); background: var(--accent-soft); padding: 4px 8px; border-radius: 4px; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .tool .tag { color: var(--accent); } }
.tool h2 { font-family: var(--serif); margin: 12px 0 6px; font-size: 1.35rem; line-height: 1.25; }
.tool p { margin: 0 0 16px; color: var(--ink-2); flex: 1; }
.tool .go { font-weight: 700; color: var(--link); text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.78rem; }

/* Footer */
.site-footer { background: var(--black); color: #a9b4c4; padding: 32px 0 36px; font-size: 0.82rem; margin-top: 8px; }
.site-footer p { margin: 0 0 8px; max-width: 92ch; }
.site-footer .disclosure { color: #c3ccda; }
.site-footer .disclosure strong { color: #fff; }
.site-footer a { color: #8fb4ea; }
.site-footer .footer-bottom { display: flex; gap: 16px; flex-wrap: wrap; justify-content: space-between; margin-top: 16px; padding-top: 16px; border-top: 1px solid #1f2a3d; }
.site-footer .footer-bottom span { color: #fff; font-family: var(--serif); font-weight: 700; }

/* Long-form pages (disclosure) */
.prose { max-width: 72ch; padding-bottom: 48px; }
.prose h2 { font-family: var(--serif); font-size: 1.3rem; margin: 28px 0 8px; }
.prose p, .prose li { color: var(--ink-2); }
.prose ul { padding-left: 20px; }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* Notes under a calculator */
.notes { color: var(--ink-3); font-size: 0.85rem; max-width: 90ch; margin: -20px 0 32px; }

/* Breakdown bars (insurance, net worth) */
.bars { display: grid; gap: 10px; margin-top: 6px; }
.bar-row { display: grid; grid-template-columns: minmax(110px, 180px) 1fr auto; gap: 12px; align-items: center; font-size: 0.9rem; }
.bar-row .bar-label { color: var(--ink-2); }
.bar-row .bar-track { height: 12px; background: var(--surface-2); border-radius: 3px; overflow: hidden; }
.bar-row .bar-fill { height: 100%; background: var(--save); border-radius: 3px; }
.bar-row .bar-fill.neg { background: var(--draw); }
.bar-row .bar-fill.muted { background: var(--contrib); }
.bar-row .bar-value { font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; min-width: 90px; }
.bar-row.total { border-top: 1px solid var(--line); padding-top: 10px; font-weight: 700; }
@media (max-width: 520px) { .bar-row { grid-template-columns: 1fr auto; } .bar-row .bar-track { grid-column: 1 / -1; order: 3; } }

/* Side-by-side comparison */
.compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 420px) { .compare { grid-template-columns: 1fr; } }
.compare .stat.winner { border-color: var(--navy-700); box-shadow: inset 0 0 0 1px var(--navy-700); }
.badge { display: inline-block; font-size: 0.66rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; background: var(--navy-800); color: #fff; padding: 2px 6px; margin-left: 6px; vertical-align: 2px; border-radius: 3px; }

/* Editable list (debt payoff) */
.debt { border: 1px solid var(--line); border-left: 3px solid var(--navy-700); padding: 12px; margin-bottom: 10px; background: var(--surface-2); border-radius: var(--radius); }
.debt-head { display: flex; justify-content: space-between; align-items: center; gap: 8px; margin-bottom: 8px; }
.debt-head input { border: 0; background: transparent; font: inherit; font-weight: 700; color: var(--ink); padding: 2px 0; min-width: 0; flex: 1; }
.debt-head button { border: 0; background: none; color: var(--ink-3); cursor: pointer; font: inherit; font-size: 0.82rem; }
.debt-head button:hover { color: var(--bad); }
.debt-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.debt-grid label { font-size: 0.75rem; color: var(--ink-3); font-weight: 600; display: block; margin-bottom: 3px; }
.debt-grid .input input { padding: 8px; font-size: 0.9rem; }
.debt-grid .input .affix { padding: 0 6px; font-size: 0.85rem; }

/* Share dialog */
.share-dialog { width: min(560px, calc(100vw - 32px)); max-height: calc(100vh - 32px); padding: 0; border: 0; border-radius: 10px; background: var(--surface); color: var(--ink); box-shadow: 0 24px 64px rgba(7, 26, 51, 0.35); }
.share-dialog::backdrop { background: rgba(7, 12, 22, 0.6); }
.share-head { display: flex; justify-content: space-between; align-items: center; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.share-head h2 { font-family: var(--serif); font-size: 1.25rem; margin: 0; }
.share-close { border: 0; background: none; font-size: 1.6rem; line-height: 1; color: var(--ink-3); cursor: pointer; padding: 2px 6px; }
.share-body { padding: 18px 20px 20px; display: grid; gap: 16px; }
.share-preview { width: min(100%, 360px); margin: 0 auto; aspect-ratio: 1 / 1; border-radius: 6px; border: 1px solid var(--line); background: var(--surface-2); display: block; }
.share-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.share-grid .btn { justify-content: flex-start; }
.share-grid .btn-primary { grid-column: 1 / -1; justify-content: center; }
.share-note { font-size: 0.78rem; color: var(--ink-3); margin: 0; }
.share-toast { font-size: 0.85rem; color: var(--good); font-weight: 600; min-height: 1.2em; margin: 0; }

@media print {
  .site-header .nav, .input-actions, .toggle, .hero-actions { display: none; }
  .inputs { position: static; }
  body { background: #fff; }
}

/* Email access gate */
.gated main { filter: blur(6px); pointer-events: none; user-select: none; }
body.gate-open { overflow: hidden; }
.gate { position: fixed; inset: 0; z-index: 50; display: grid; place-items: center; padding: 16px; background: rgba(7, 12, 22, 0.55); backdrop-filter: blur(2px); }
.gate-card { width: min(440px, 100%); background: var(--surface); color: var(--ink); border-radius: 10px; padding: 30px 28px 24px; box-shadow: 0 24px 64px rgba(7, 26, 51, 0.35); border-top: 5px solid var(--navy-800); text-align: center; }
.gate-mark { display: inline-block; background: var(--navy-800); color: #fff; font-weight: 700; font-size: 0.78rem; letter-spacing: 0.14em; padding: 7px 10px; border-radius: 4px; }
.gate-card h2 { font-family: var(--serif); font-size: 1.6rem; line-height: 1.2; margin: 16px 0 8px; }
.gate-card > p { color: var(--ink-2); margin: 0 0 18px; }
.gate-card input[type="email"] { width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); color: var(--ink); outline: none; }
.gate-card input[type="email"]:focus { border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(30, 79, 138, 0.15); }
.gate-card .btn-primary { width: 100%; margin-top: 10px; padding: 12px 14px; font-size: 1rem; }
.gate-card .btn-primary:disabled { opacity: 0.7; cursor: wait; }
.gate-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.gate-error { color: var(--bad); font-size: 0.88rem; font-weight: 600; min-height: 1.2em; margin: 8px 0 0; }
.gate-fine { font-size: 0.75rem; color: var(--ink-3); margin: 6px 0 14px; text-align: left; }
.gate-fine a { color: var(--link); }
.gate-back { display: inline-block; border: 0; background: none; font: inherit; font-size: 0.88rem; font-weight: 600; color: var(--link); text-decoration: none; cursor: pointer; padding: 4px; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .gate-mark { background: #fff; color: var(--navy-800); } }