:root{
    --paper: #EEF0EA;
    --paper-2: #E4E7DE;
    --card: #FBFCF8;
    --ink: #16242F;
    --muted: #5B6B64;
    --line: #CDD3C6;
    --green: #1F6F54;
    --green-dark: #163F30;
    --ochre: #B9822E;
    --red: #C1443A;
    --slate: #7C8579;
    --radius: 16px;
  }

  *{box-sizing:border-box;}
  html,body{margin:0;padding:0;}
  body{
    background:var(--paper);
    color:var(--ink);
    font-family:'Inter', system-ui, sans-serif;
    min-height:100vh;
    display:flex;
    justify-content:center;
    padding:40px 16px 70px;
  }

  .stage{ width:100%; max-width:560px; }

  header{ margin-bottom:26px; }

  .eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    font-family:'Space Mono', monospace;
    font-size:11px;
    letter-spacing:0.12em;
    text-transform:uppercase;
    color:var(--green-dark);
    border:1px solid var(--green);
    padding:5px 12px;
    border-radius:2px;
    margin-bottom:20px;
  }
  .eyebrow::before{ content:"§"; color:var(--green); }

  h1{
    font-family:'Archivo', sans-serif;
    font-weight:800;
    font-size:clamp(28px, 6.5vw, 38px);
    line-height:1.08;
    margin:0 0 10px;
    letter-spacing:-0.01em;
  }

  .sub{
    color:var(--muted);
    font-size:15px;
    line-height:1.55;
    max-width:440px;
  }

  .mode-toggle{
    display:flex;
    gap:10px;
    margin-bottom:18px;
  }
  .mode-btn{
    flex:1;
    font-family:'Archivo', sans-serif;
    font-weight:700;
    font-size:13.5px;
    padding:14px 10px;
    border-radius:12px;
    border:1px solid var(--line);
    background:var(--card);
    color:var(--muted);
    cursor:pointer;
    text-align:center;
    transition:background 0.15s, border-color 0.15s, color 0.15s;
  }
  .mode-btn.active{
    background:var(--green);
    border-color:var(--green);
    color:#fff;
  }
  .mode-btn:hover:not(.active){ border-color:var(--green); color:var(--ink); }
  .mode-btn:focus-visible{ outline:2px solid var(--green); outline-offset:2px; }

  .card{
    background:var(--card);
    border:1px solid var(--line);
    border-radius:var(--radius);
    padding:26px 24px;
    box-shadow:0 1px 0 rgba(22,36,47,0.03);
  }

  .card + .card{ margin-top:18px; }

  .section-label{
    font-family:'Space Mono', monospace;
    font-size:11px;
    text-transform:uppercase;
    letter-spacing:0.1em;
    color:var(--green-dark);
    margin:0 0 16px;
    padding-bottom:10px;
    border-bottom:1px solid var(--line);
  }

  .field-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:16px 14px;
  }

  .field{ display:flex; flex-direction:column; gap:6px; }
  .field.full{ grid-column:1 / -1; }

  label{
    font-family:'Space Mono', monospace;
    font-size:11px;
    text-transform:uppercase;
    letter-spacing:0.08em;
    color:var(--muted);
  }

  .input-wrap{
    display:flex;
    align-items:center;
    border:1px solid var(--line);
    border-radius:10px;
    background:var(--paper-2);
    padding:0 12px;
    transition:border-color 0.15s, background 0.15s;
  }
  .input-wrap:focus-within{
    border-color:var(--green);
    background:var(--card);
  }
  .input-wrap .prefix, .input-wrap .suffix{
    font-family:'Space Mono', monospace;
    color:var(--muted);
    font-size:14px;
  }
  input[type="number"]{
    flex:1;
    min-width:0;
    border:none;
    background:transparent;
    outline:none;
    font-family:'Space Mono', monospace;
    font-size:16px;
    font-weight:700;
    color:var(--ink);
    padding:12px 6px;
  }
  input[type="number"]::-webkit-outer-spin-button,
  input[type="number"]::-webkit-inner-spin-button{ -webkit-appearance:none; margin:0; }
  input[type="number"]{ -moz-appearance:textfield; }

  .term-toggle{ display:flex; gap:8px; }
  .term-btn{
    flex:1;
    font-family:'Space Mono', monospace;
    font-size:12px;
    font-weight:700;
    padding:11px 8px;
    border-radius:8px;
    border:1px solid var(--line);
    background:var(--paper-2);
    color:var(--muted);
    cursor:pointer;
    text-align:center;
    transition:background 0.15s, border-color 0.15s, color 0.15s;
  }
  .term-btn.active{ background:var(--green); border-color:var(--green); color:#fff; }
  .term-btn:hover:not(.active){ border-color:var(--green); color:var(--ink); }
  .term-btn:focus-visible{ outline:2px solid var(--green); outline-offset:2px; }

  .chip-row{ display:flex; gap:8px; flex-wrap:wrap; margin-top:2px; }
  .chip{
    font-family:'Space Mono', monospace;
    font-size:12px;
    font-weight:700;
    padding:7px 13px;
    border-radius:999px;
    border:1px solid var(--line);
    background:var(--paper-2);
    color:var(--muted);
    cursor:pointer;
    transition:background 0.15s, border-color 0.15s, color 0.15s;
  }
  .chip.active{ background:var(--green); border-color:var(--green); color:#fff; }
  .chip:hover:not(.active){ border-color:var(--green); color:var(--ink); }
  .chip:focus-visible{ outline:2px solid var(--green); outline-offset:2px; }

  .calc-btn{
    width:100%;
    margin-top:22px;
    font-family:'Archivo', sans-serif;
    font-weight:700;
    font-size:15px;
    letter-spacing:0.01em;
    padding:15px;
    border-radius:10px;
    border:none;
    background:var(--green);
    color:#fff;
    cursor:pointer;
    transition:background 0.15s, transform 0.1s;
  }
  .calc-btn:hover{ background:var(--green-dark); }
  .calc-btn:active{ transform:scale(0.99); }

  .assumption{
    font-size:12px;
    color:var(--muted);
    margin-top:10px;
    line-height:1.5;
  }

  #resultCard{ display:none; }
  #resultCard.show{ display:block; }

  .verdict-title{
    font-family:'Archivo', sans-serif;
    font-weight:800;
    font-size:23px;
    line-height:1.15;
  }
  .verdict-title.good{ color:var(--green-dark); }
  .verdict-title.caution{ color:var(--ochre); }
  .verdict-title.bad{ color:var(--red); }

  .verdict-sub{
    color:var(--muted);
    font-size:14px;
    line-height:1.55;
    margin:6px 0 0;
  }

  .term-note{
    display:none;
    margin:14px 0 6px;
    padding:12px 14px;
    border-radius:8px;
    font-size:13px;
    line-height:1.55;
    border-left:3px solid;
  }
  .term-note.show{ display:block; }
  .term-note.caution{ background:rgba(185,130,46,0.09); border-left-color:var(--ochre); }
  .term-note.good{ background:rgba(31,111,84,0.09); border-left-color:var(--green); }

  .chart-wrap{ margin:18px 0; display:none; }
  .chart-wrap.show{ display:block; }
  svg{ width:100%; height:auto; display:block; }
  .chart-legend{
    display:flex; gap:18px; margin-top:10px;
    font-family:'Space Mono', monospace; font-size:11.5px; color:var(--muted);
  }
  .chart-legend span{ display:inline-flex; align-items:center; gap:6px; }
  .swatch{ width:14px; height:3px; display:inline-block; border-radius:2px; }

  .bar-wrap{ margin:18px 0; display:none; }
  .bar-wrap.show{ display:block; }
  .cost-bar{
    display:flex;
    height:30px;
    border-radius:8px;
    overflow:hidden;
    border:1px solid var(--line);
  }
  .cost-bar-seg{
    display:flex; align-items:center; justify-content:center;
    font-family:'Space Mono', monospace; font-size:11px; font-weight:700; color:#fff;
    white-space:nowrap; overflow:hidden;
    transition:width 0.4s ease;
  }
  .cost-bar-seg.principal{ background:var(--green); }
  .cost-bar-seg.interest{ background:var(--ochre); }
  .cost-bar-seg.insurance{ background:var(--slate); }
  .cost-bar-seg.hoa{ background:var(--red); }
  .cost-bar-legend{
    display:flex; justify-content:space-between; margin-top:10px;
    font-family:'Space Mono', monospace; font-size:11.5px; color:var(--muted);
  }

  .stat-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:1px;
    background:var(--line);
    border:1px solid var(--line);
    border-radius:10px;
    overflow:hidden;
    margin-top:6px;
  }
  .stat{ background:var(--card); padding:14px 16px; }
  .stat.full{ grid-column:1 / -1; }
  .stat-label{
    font-family:'Space Mono', monospace;
    font-size:10.5px;
    text-transform:uppercase;
    letter-spacing:0.06em;
    color:var(--muted);
    margin-bottom:6px;
  }
  .stat-value{ font-family:'Space Mono', monospace; font-weight:700; font-size:18px; color:var(--ink); }
  .stat-value.pos{ color:var(--green-dark); }
  .stat-value.neg{ color:var(--red); }

  footer{
    text-align:center;
    color:var(--muted);
    font-size:12px;
    margin-top:30px;
    line-height:1.6;
  }
  footer a{
    color:var(--muted);
    text-decoration:underline;
  }
  footer a:hover{ color:var(--green-dark); }

  @media (max-width: 420px){
    .field-grid{ grid-template-columns:1fr; }
  }

  /* ===== Site-wide nav (used across hub + every tool page) ===== */
  .site-nav{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    padding-bottom:16px;
    margin-bottom:26px;
    border-bottom:1px solid var(--line);
  }
  .site-logo{
    font-family:'Archivo', sans-serif;
    font-weight:800;
    font-size:15px;
    color:var(--ink);
    text-decoration:none;
    letter-spacing:-0.01em;
  }
  .site-nav-link{
    font-family:'Space Mono', monospace;
    font-size:11.5px;
    color:var(--green-dark);
    text-decoration:none;
    border:1px solid var(--green);
    padding:6px 12px;
    border-radius:999px;
    transition:background 0.15s, color 0.15s;
    white-space:nowrap;
  }
  .site-nav-link:hover{ background:var(--green); color:#fff; }
  .site-nav-link:focus-visible{ outline:2px solid var(--green); outline-offset:2px; }

  /* ===== Hub tool grid (used on the homepage only) ===== */
  .tool-grid{
    display:flex;
    flex-direction:column;
    gap:14px;
  }
  .tool-card{
    display:block;
    background:var(--card);
    border:1px solid var(--line);
    border-radius:var(--radius);
    padding:22px 24px;
    text-decoration:none;
    color:inherit;
    transition:border-color 0.15s, transform 0.1s;
  }
  .tool-card:hover{ border-color:var(--green); transform:translateY(-1px); }
  .tool-card:focus-visible{ outline:2px solid var(--green); outline-offset:2px; }
  .tool-card.soon{ opacity:0.6; cursor:default; }
  .tool-card.soon:hover{ border-color:var(--line); transform:none; }
  .tool-card-tag{
    display:inline-block;
    font-family:'Space Mono', monospace;
    font-size:10.5px;
    text-transform:uppercase;
    letter-spacing:0.08em;
    color:var(--green-dark);
    background:rgba(31,111,84,0.08);
    padding:4px 10px;
    border-radius:999px;
    margin-bottom:10px;
  }
  .tool-card-title{
    font-family:'Archivo', sans-serif;
    font-weight:700;
    font-size:19px;
    margin:0 0 6px;
    color:var(--ink);
  }
  .tool-card-desc{
    font-size:13.5px;
    color:var(--muted);
    line-height:1.55;
    margin:0 0 12px;
  }
  .tool-card-cta{
    font-family:'Space Mono', monospace;
    font-size:12px;
    font-weight:700;
    color:var(--green-dark);
  }
  .tool-card-cta.soon-tag{ color:var(--muted); }