/* ── LoanCalcFree – Global Styles ── */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Fira+Code:wght@400;500&display=swap');

:root {
  --bg:         #ffffff;
  --bg2:        #f8f9fa;
  --bg3:        #f1f3f5;
  --bg4:        #e9ecef;
  --border:     #e2e6ea;
  --text:       #111827;
  --text2:      #4b5563;
  --text3:      #9ca3af;
  --accent:     #f97316;
  --accent-dk:  #ea6b0a;
  --accent-lt:  #fff7ed;
  --accent-br:  rgba(249,115,22,.18);
  --green:      #10b981;
  --green-lt:   #ecfdf5;
  --blue:       #3b82f6;
  --blue-lt:    #eff6ff;
  --red:        #ef4444;
  --red-lt:     #fef2f2;
  --r:          10px;
  --r-lg:       16px;
  --r-xl:       22px;
  --shadow:     0 1px 4px rgba(0,0,0,.07), 0 4px 16px rgba(0,0,0,.05);
  --shadow-lg:  0 4px 24px rgba(0,0,0,.10);
  --font:       'Plus Jakarta Sans', sans-serif;
  --mono:       'Fira Code', monospace;
  --trans:      .16s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body { font-family: var(--font); background: var(--bg); color: var(--text); font-size: 15px; line-height: 1.6; overflow-x: hidden; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
a { color: inherit; text-decoration: none; }

/* ── HEADER ── */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.96); backdrop-filter: blur(12px);
  border-bottom: 1.5px solid var(--border);
  height: 62px; display: flex; align-items: center;
}
.header-inner { display: flex; align-items: center; justify-content: space-between; width: 100%; }
.logo { font-size: 19px; font-weight: 800; color: var(--text); display: flex; align-items: center; gap: 8px; }
.logo-icon { width: 32px; height: 32px; background: var(--accent); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 17px; }
.logo span { color: var(--accent); }
.nav { display: flex; align-items: center; gap: 2px; }
.nav a { font-size: 13px; font-weight: 600; color: var(--text2); padding: 6px 12px; border-radius: 8px; transition: background var(--trans), color var(--trans); }
.nav a:hover { background: var(--accent-lt); color: var(--accent); }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; color: var(--text); }
.nav-toggle span { display: block; width: 22px; height: 2px; background: currentColor; margin: 4px 0; transition: .2s; }

/* ── HERO ── */
.hero { padding: 64px 0 52px; background: linear-gradient(135deg, #fff7ed 0%, #ffffff 55%); border-bottom: 1.5px solid var(--border); }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero-tag { display: inline-flex; align-items: center; gap: 6px; background: var(--accent-br); color: var(--accent-dk); font-size: 11px; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; margin-bottom: 18px; }
.hero-title { font-size: clamp(34px, 4.5vw, 58px); font-weight: 800; line-height: 1.1; color: var(--text); margin-bottom: 16px; }
.hero-title span { color: var(--accent); }
.hero-desc { font-size: 16px; color: var(--text2); line-height: 1.7; margin-bottom: 28px; max-width: 440px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 11px 22px; border-radius: var(--r); font-family: var(--font); font-size: 14px; font-weight: 700; border: none; cursor: pointer; transition: all var(--trans); text-decoration: none; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dk); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(249,115,22,.35); }
.btn-outline { background: transparent; color: var(--text); border: 1.5px solid var(--border); }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); background: var(--accent-lt); }

/* Hero stats */
.hero-stats { display: flex; gap: 28px; margin-top: 28px; flex-wrap: wrap; }
.hero-stat { }
.hero-stat-val { font-size: 22px; font-weight: 800; color: var(--accent); font-family: var(--mono); }
.hero-stat-label { font-size: 12px; color: var(--text3); margin-top: 2px; }

/* Hero widget */
.hero-widget { background: #fff; border: 1.5px solid var(--border); border-radius: var(--r-xl); padding: 28px; box-shadow: var(--shadow-lg); }
.hw-label { font-size: 11px; font-weight: 700; color: var(--text3); text-transform: uppercase; letter-spacing: .09em; margin-bottom: 12px; }
.hw-title { font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 20px; }
.hw-row { display: flex; gap: 10px; margin-bottom: 10px; align-items: center; }
.hw-row label { font-size: 12px; color: var(--text3); width: 100px; flex-shrink: 0; }
.hw-row input { flex: 1; padding: 8px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-family: var(--mono); font-size: 14px; color: var(--text); outline: none; transition: border-color var(--trans); }
.hw-row input:focus { border-color: var(--accent); }
.hw-btn { width: 100%; background: var(--accent); color: #fff; border: none; border-radius: 8px; padding: 10px; font-family: var(--font); font-weight: 700; font-size: 14px; cursor: pointer; margin-top: 12px; transition: background var(--trans); }
.hw-btn:hover { background: var(--accent-dk); }
.hw-result { background: var(--accent-lt); border: 1.5px solid var(--accent-br); border-radius: 10px; padding: 14px; margin-top: 12px; text-align: center; display: none; }
.hw-result-val { font-size: 26px; font-weight: 800; color: var(--accent); font-family: var(--mono); }
.hw-result-label { font-size: 12px; color: var(--text2); margin-top: 4px; }

/* ── TOOLS GRID ── */
.tools-section { padding: 72px 0; }
.section-tag { font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--accent); margin-bottom: 8px; }
.section-title { font-size: clamp(22px,3vw,30px); font-weight: 800; color: var(--text); margin-bottom: 8px; }
.section-desc { font-size: 15px; color: var(--text3); margin-bottom: 36px; }

.tools-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(270px,100%), 1fr)); gap: 18px; }
.tool-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--r-lg); padding: 24px; text-decoration: none; color: inherit; transition: all var(--trans); display: block; }
.tool-card:hover { border-color: var(--accent); box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.tc-icon { width: 46px; height: 46px; background: var(--accent-lt); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 14px; }
.tc-title { font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.tc-desc { font-size: 13px; color: var(--text3); line-height: 1.5; }
.tc-arrow { font-size: 12px; color: var(--accent); font-weight: 700; margin-top: 14px; }

/* ── TOOL PAGE ── */
.tool-page { padding: 44px 0 80px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--text3); margin-bottom: 26px; }
.breadcrumb a { color: var(--accent); }
.breadcrumb a:hover { text-decoration: underline; }
.bc-sep { color: var(--border); }
.tool-page-title { font-size: clamp(26px,4vw,40px); font-weight: 800; color: var(--text); margin-bottom: 6px; }
.tool-page-desc { font-size: 15px; color: var(--text3); margin-bottom: 32px; max-width: 600px; }

.calc-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--r-xl); padding: 32px; box-shadow: var(--shadow); margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-label { display: block; font-size: 13px; font-weight: 600; color: var(--text2); margin-bottom: 6px; }
.form-input, .form-select {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: var(--r);
  font-family: var(--font); font-size: 14px; color: var(--text);
  background: var(--bg2); outline: none; transition: border-color var(--trans), background var(--trans);
}
.form-input:focus, .form-select:focus { border-color: var(--accent); background: #fff; }
.form-hint { font-size: 12px; color: var(--text3); margin-top: 4px; }
.input-prefix { position: relative; }
.input-prefix .prefix { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--text3); font-weight: 600; font-size: 15px; pointer-events: none; }
.input-prefix .form-input { padding-left: 26px; }
.input-suffix { position: relative; }
.input-suffix .suffix { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); color: var(--text3); font-weight: 600; }
.input-suffix .form-input { padding-right: 36px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; }

.calc-btn { width: 100%; background: var(--accent); color: #fff; border: none; border-radius: var(--r); padding: 13px; font-family: var(--font); font-weight: 700; font-size: 15px; cursor: pointer; transition: background var(--trans), transform var(--trans); margin-top: 8px; }
.calc-btn:hover { background: var(--accent-dk); transform: translateY(-1px); }

/* Result panels */
.result-box { background: var(--accent-lt); border: 1.5px solid var(--accent-br); border-radius: var(--r-lg); padding: 24px; margin-top: 20px; display: none; }
.result-primary-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--accent); margin-bottom: 4px; }
.result-primary-val { font-size: clamp(32px,5vw,48px); font-weight: 800; color: var(--accent); font-family: var(--mono); line-height: 1; margin-bottom: 6px; }
.result-primary-sub { font-size: 13px; color: var(--text2); margin-bottom: 20px; }
.result-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(140px,100%),1fr)); gap: 10px; }
.result-item { background: #fff; border: 1px solid var(--border); border-radius: var(--r); padding: 14px; text-align: center; }
.ri-val { font-family: var(--mono); font-size: 17px; font-weight: 700; color: var(--text); }
.ri-label { font-size: 11px; color: var(--text3); margin-top: 3px; }

/* Amortization table */
.table-wrap { overflow-x: auto; margin-top: 24px; border-radius: var(--r-lg); border: 1.5px solid var(--border); }
.amort-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.amort-table th { background: var(--bg3); padding: 10px 14px; text-align: right; font-weight: 700; color: var(--text2); border-bottom: 1.5px solid var(--border); white-space: nowrap; }
.amort-table th:first-child { text-align: left; }
.amort-table td { padding: 9px 14px; text-align: right; border-bottom: 1px solid var(--bg3); color: var(--text2); font-family: var(--mono); font-size: 12px; }
.amort-table td:first-child { text-align: left; font-family: var(--font); font-weight: 600; color: var(--text); }
.amort-table tr:last-child td { border-bottom: none; }
.amort-table tr:hover td { background: var(--accent-lt); }
.table-note { font-size: 12px; color: var(--text3); margin-top: 8px; text-align: center; }

/* Chart area */
.chart-wrap { background: var(--bg2); border: 1.5px solid var(--border); border-radius: var(--r-lg); padding: 20px; margin-top: 20px; }
.chart-title { font-size: 13px; font-weight: 700; color: var(--text2); margin-bottom: 14px; }
.donut-wrap { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.donut-legend { display: flex; flex-direction: column; gap: 10px; }
.legend-item { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.legend-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; }

/* Info box */
.info-box { background: var(--blue-lt); border: 1.5px solid #bfdbfe; border-radius: var(--r); padding: 14px 18px; margin-top: 16px; font-size: 13px; color: var(--text2); line-height: 1.6; }
.info-box strong { color: var(--blue); }

/* ── FAQ ── */
.faq-section { padding: 64px 0; background: var(--bg2); }
.faq-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(420px,100%),1fr)); gap: 16px; margin-top: 32px; }
.faq-item { background: #fff; border: 1.5px solid var(--border); border-radius: var(--r-lg); padding: 22px 24px; }
.faq-q { font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 8px; }
.faq-a { font-size: 13px; color: var(--text3); line-height: 1.6; }

/* ── RELATED ── */
.related-section { padding: 48px 0; }
.related-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(200px,100%),1fr)); gap: 10px; margin-top: 20px; }
.related-card { background: var(--bg2); border: 1.5px solid var(--border); border-radius: var(--r); padding: 13px 16px; text-decoration: none; color: var(--text2); font-size: 13px; font-weight: 600; transition: all var(--trans); display: flex; align-items: center; gap: 8px; }
.related-card:hover { background: var(--accent-lt); color: var(--accent); border-color: var(--accent); }

/* ── SEO CONTENT ── */
.seo-content { padding: 48px 0; border-top: 1.5px solid var(--border); margin-top: 48px; }
.seo-content h2 { font-size: 19px; font-weight: 700; color: var(--text); margin: 28px 0 10px; }
.seo-content h2:first-child { margin-top: 0; }
.seo-content p { font-size: 14px; color: var(--text3); line-height: 1.7; margin-bottom: 10px; }

/* ── FOOTER ── */
.site-footer { background: #111827; color: #9ca3af; padding: 52px 0 28px; }
.footer-top { display: grid; grid-template-columns: 1fr auto; gap: 48px; margin-bottom: 40px; align-items: start; }
.footer-logo { font-size: 18px; font-weight: 800; color: #fff; margin-bottom: 8px; }
.footer-logo span { color: var(--accent); }
.footer-tagline { font-size: 13px; color: #6b7280; margin-top: 6px; }
.footer-links { display: flex; gap: 48px; flex-wrap: wrap; }
.footer-col-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: #fff; margin-bottom: 14px; }
.footer-col a { display: block; color: #6b7280; font-size: 13px; margin-bottom: 9px; transition: color var(--trans); }
.footer-col a:hover { color: var(--accent); }
.footer-bottom { border-top: 1px solid #374151; padding-top: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; font-size: 12px; }
.footer-domain { color: #fff; font-weight: 700; }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
  .nav { display: none; flex-direction: column; position: absolute; top: 62px; left: 0; right: 0; background: #fff; border-bottom: 1.5px solid var(--border); padding: 12px; z-index: 200; box-shadow: 0 4px 16px rgba(0,0,0,.08); }
  .nav.open { display: flex; }
  .nav-toggle { display: block; }
  .hero { padding: 40px 0 32px; }
  .hero-inner { grid-template-columns: 1fr; gap: 28px; }
  .hero-widget { display: none; }
  .hero-title { font-size: 34px; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-links { gap: 28px; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .calc-card { padding: 20px; }
  .related-grid { grid-template-columns: 1fr 1fr; }
  .result-grid { grid-template-columns: 1fr 1fr; }
  body { overflow-x: hidden; }
  .container { padding: 0 16px; }
}
@media (max-width: 400px) {
  .related-grid { grid-template-columns: 1fr; }
  .hero-title { font-size: 28px; }
}