*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --bg:          #080E1C;
    --surface:     #0E1628;
    --surface-2:   #141F36;
    --border:      #1C2D4A;
    --border-hi:   #26406A;
    --accent:      #06B6D4;
    --accent-lt:   #67E8F9;
    --accent-dim:  rgba(6,182,212,.13);
    --accent-glow: rgba(6,182,212,.06);
    --green:       #10B981;
    --green-dim:   rgba(16,185,129,.15);
    --red:         #F87171;
    --red-dim:     rgba(248,113,113,.15);
    --text:        #E8F0FF;
    --muted:       #6E93BC;
    --dim:         #2E456A;
    --r:           6px;
    --ease:        .2s ease;
    --ui:          'Plus Jakarta Sans', sans-serif;
    --mono:        'DM Mono', monospace;
    --display:     'Cormorant Garamond', serif;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
    background: var(--bg);
    color: var(--text);
    font-family: var(--ui);
    min-height: 100vh;
    overflow-x: hidden;
}

/* dot-grid background pattern */
body::before {
    content: '';
    position: fixed; inset: 0; z-index: 0; pointer-events: none;
    background-image: radial-gradient(circle, rgba(6,182,212,.12) 1px, transparent 1px);
    background-size: 32px 32px;
    mask-image: radial-gradient(ellipse 80% 70% at 50% 0%, black 20%, transparent 80%);
}

/* top glow */
body::after {
    content: '';
    position: fixed; inset: 0; pointer-events: none; z-index: 0;
    background: radial-gradient(ellipse 60% 40% at 50% -8%, rgba(6,182,212,.1) 0%, transparent 65%);
}

/* ── WRAPPER ── */
.wrap {
    max-width: 880px;
    margin: 0 auto;
    padding: 64px 24px 96px;
    position: relative; z-index: 1;
}

/* ── HEADER ── */
header {
    margin-bottom: 52px;
    opacity: 0;
    animation: fadeUp .6s .1s ease forwards;
}

.eyebrow {
    display: flex; align-items: center; gap: 14px;
    margin-bottom: 28px;
}

.eyebrow::before, .eyebrow::after {
    content: '';
    flex: 1; height: 1px;
    background: linear-gradient(90deg, transparent, rgba(6,182,212,.4), transparent);
}

.eyebrow span {
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .2em; text-transform: uppercase;
    color: var(--accent); opacity: .85;
}

h1 {
    font-family: var(--display);
    font-size: clamp(48px, 9vw, 84px);
    font-weight: 300;
    line-height: .9;
    letter-spacing: -.01em;
}

h1 em { font-style: italic; color: var(--accent-lt); }

.tagline {
    margin-top: 16px;
    font-family: var(--ui);
    font-size: 13px; font-weight: 400; letter-spacing: .04em;
    color: var(--muted);
}

/* ── PANEL ── */
.panel {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--r);
    overflow: hidden;
    box-shadow: 0 0 0 1px var(--border), 0 32px 80px rgba(0,0,0,.5), 0 0 60px rgba(6,182,212,.04);
    opacity: 0;
    animation: fadeUp .6s .25s ease forwards;
}

/* ── INPUT GRID ── */
.input-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
}

@media (max-width: 580px) { .input-grid { grid-template-columns: 1fr; } }

.field {
    padding: 28px 28px 24px;
    border-bottom: 1px solid var(--border);
    border-right: 1px solid var(--border);
    position: relative;
    transition: background var(--ease);
}

.field:nth-child(even) { border-right: none; }

@media (max-width: 580px) {
    .field { border-right: 1px solid var(--border); }
    .field:nth-child(even) { border-right: 1px solid var(--border); }
}

.field:focus-within { background: var(--accent-dim); }

.field-label {
    display: block;
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
    color: var(--muted);
    margin-bottom: 12px;
}

.input-row {
    display: flex; align-items: baseline; gap: 3px;
}

.pfx, .sfx {
    font-family: var(--mono);
    font-size: 18px; font-weight: 300; line-height: 1; flex-shrink: 0;
}

.pfx { color: var(--accent); }
.sfx { color: var(--muted); font-size: 14px; }

input {
    background: transparent; border: none; outline: none;
    font-family: var(--mono);
    font-size: 30px; font-weight: 300;
    color: var(--text);
    width: 100%; min-width: 0;
    caret-color: var(--accent);
    line-height: 1;
}

input::placeholder { color: var(--dim); }

input[type=number]::-webkit-inner-spin-button,
input[type=number]::-webkit-outer-spin-button { -webkit-appearance: none; }

.field-error {
    font-family: var(--ui);
    font-size: 11px; font-weight: 500;
    color: var(--red); margin-top: 7px;
    display: none;
}

.field.has-error .field-error { display: block; }
.field.has-error input { color: var(--red); }

/* ── TERM PRESETS ── */
.presets {
    display: flex; gap: 6px; margin-top: 14px;
}

.preset-btn {
    background: transparent;
    border: 1px solid var(--border-hi);
    color: var(--muted);
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .06em;
    padding: 5px 12px;
    border-radius: 4px;
    cursor: pointer;
    transition: all var(--ease);
}

.preset-btn:hover { border-color: var(--accent); color: var(--accent); }
.preset-btn.active { background: var(--accent-dim); border-color: var(--accent); color: var(--accent-lt); }

/* ── DP TOGGLE ── */
.dp-row {
    display: flex; align-items: center; gap: 10px; margin-top: 13px;
}

.dp-row-label {
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
    color: var(--dim);
}

.toggle {
    display: flex;
    background: var(--surface-2);
    border: 1px solid var(--border);
    border-radius: 4px; overflow: hidden;
}

.toggle-opt {
    padding: 4px 14px;
    font-family: var(--ui);
    font-size: 12px; font-weight: 600;
    background: none; border: none; cursor: pointer;
    color: var(--muted);
    transition: all var(--ease);
}

.toggle-opt.active { background: var(--accent-dim); color: var(--accent-lt); }

/* ── CALCULATE BTN ── */
.action { padding: 22px 28px; border-bottom: 1px solid var(--border); }

.calc-btn {
    width: 100%;
    background: linear-gradient(135deg, #0891B2 0%, #06B6D4 60%, #22D3EE 100%);
    border: none; border-radius: var(--r);
    color: #fff;
    font-family: var(--ui);
    font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    padding: 17px 24px;
    cursor: pointer;
    box-shadow: 0 4px 24px rgba(6,182,212,.35);
    transition: all .15s ease;
}

.calc-btn:hover {
    background: linear-gradient(135deg, #06B6D4 0%, #22D3EE 60%, #67E8F9 100%);
    transform: translateY(-2px);
    box-shadow: 0 8px 32px rgba(6,182,212,.5);
}

.calc-btn:active { transform: translateY(0); box-shadow: 0 2px 12px rgba(6,182,212,.3); }

/* ── RESULTS ── */
.results { display: none; }

.results.show {
    display: block;
    animation: fadeUp .4s ease forwards;
}

.section-head {
    display: flex; align-items: center; gap: 14px;
    padding: 22px 28px 0;
}

.section-head-label {
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
    color: var(--muted);
    white-space: nowrap;
}

.section-head-line { flex: 1; height: 1px; background: var(--border); }

.results-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    border-top: 1px solid var(--border);
}

@media (max-width: 580px) { .results-grid { grid-template-columns: 1fr; } }

.res-card {
    padding: 28px 28px;
    border-right: 1px solid var(--border);
}

.res-card:last-child { border-right: none; }

@media (max-width: 580px) {
    .res-card { border-right: none; border-bottom: 1px solid var(--border); }
}

.res-label {
    font-family: var(--ui);
    font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
    color: var(--muted); margin-bottom: 12px;
}

.res-value {
    font-family: var(--display);
    font-size: 42px; font-weight: 300; line-height: 1;
    color: var(--text);
}

.res-value.primary { font-size: 58px; color: var(--accent-lt); }

.res-sub {
    font-family: var(--ui);
    font-size: 12px; font-weight: 400; letter-spacing: .02em;
    color: var(--muted); margin-top: 8px;
}

/* breakdown bar */
.split-bar {
    display: flex; height: 4px; border-radius: 2px;
    background: var(--border); overflow: hidden;
    margin-top: 22px;
}

.bar-p { background: var(--green); height: 100%; width: 0; transition: width .9s cubic-bezier(.16,1,.3,1); }
.bar-i { background: var(--red);   height: 100%; width: 0; transition: width .9s .05s cubic-bezier(.16,1,.3,1); }

.bar-meta {
    display: flex; justify-content: space-between; margin-top: 9px;
}

.bar-tag {
    display: flex; align-items: center; gap: 6px;
    font-family: var(--ui);
    font-size: 11px; font-weight: 500; letter-spacing: .03em;
    color: var(--muted);
}

.dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; }
.dot.p { background: var(--green); }
.dot.i { background: var(--red); }

/* ── AMORTIZATION ── */
.amort-toggle {
    display: flex; align-items: center; gap: 12px;
    padding: 18px 28px;
    border-top: 1px solid var(--border);
    cursor: pointer;
    transition: background var(--ease);
    user-select: none;
}

.amort-toggle:hover { background: var(--accent-glow); }

.amort-toggle-label {
    font-family: var(--ui);
    font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
    color: var(--muted); flex: 1;
}

.amort-icon {
    width: 22px; height: 22px;
    border: 1px solid var(--border-hi); border-radius: 4px;
    display: flex; align-items: center; justify-content: center;
    font-size: 15px; color: var(--muted);
    transition: all var(--ease); flex-shrink: 0;
}

.amort-toggle:hover .amort-icon { border-color: var(--accent); color: var(--accent); }

.amort-body {
    display: none;
    border-top: 1px solid var(--border);
    max-height: 500px; overflow-y: auto;
}

.amort-body.open { display: block; }

.amort-body::-webkit-scrollbar { width: 4px; }
.amort-body::-webkit-scrollbar-track { background: var(--surface); }
.amort-body::-webkit-scrollbar-thumb { background: var(--border-hi); border-radius: 2px; }

.amort-table {
    width: 100%; border-collapse: collapse;
}

.amort-table thead {
    position: sticky; top: 0;
    background: var(--surface-2); z-index: 10;
}

.amort-table th {
    padding: 12px 16px;
    font-family: var(--ui);
    font-size: 10px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
    color: var(--muted);
    text-align: right;
    border-bottom: 1px solid var(--border);
}

.amort-table th:first-child { text-align: left; padding-left: 28px; }
.amort-table th:last-child  { padding-right: 28px; }

.amort-table td {
    padding: 10px 16px;
    font-family: var(--mono);
    font-size: 12px; color: var(--muted);
    text-align: right;
    border-bottom: 1px solid var(--border);
}

.amort-table tr:last-child td { border-bottom: none; }
.amort-table td:first-child { text-align: left; padding-left: 28px; color: var(--dim); font-family: var(--ui); font-size: 12px; font-weight: 500; }
.amort-table td:last-child  { padding-right: 28px; color: var(--text); }
.amort-table tr:hover td { background: var(--accent-glow); }
.amort-table tr.yr-sep td {
    background: var(--surface-2);
    color: var(--accent);
    font-family: var(--ui);
    font-size: 10px; font-weight: 700; letter-spacing: .16em;
    text-transform: uppercase; padding: 7px 16px;
}
.amort-table tr.yr-sep td:first-child { padding-left: 28px; }

.col-p { color: var(--green) !important; }
.col-i { color: var(--red) !important; }

/* ── FOOTER ── */
footer {
    margin-top: 36px; text-align: center;
    font-family: var(--ui);
    font-size: 12px; font-weight: 400; letter-spacing: .06em;
    color: var(--dim);
    opacity: 0; animation: fadeUp .6s .45s ease forwards;
}

/* ── KEYFRAMES ── */
@keyframes fadeUp {
    from { opacity: 0; transform: translateY(10px); }
    to   { opacity: 1; transform: translateY(0); }
}