/* Home Loan Rate Decision Guide styles */
:root {
  --bg: #f5f7f4;
  --surface: #ffffff;
  --surface-alt: #eef2ec;
  --border: #d6decf;
  --text: #1e2a1c;
  --text-muted: #526354;
  --accent: #2f6b3a;
  --accent-strong: #1e4a26;
  --accent-soft: #d9ecdc;
  --danger: #a43b2a;
  --warning: #c47a1a;
  --shadow: 0 1px 3px rgba(30,42,28,.06), 0 4px 18px rgba(30,42,28,.06);
  --radius: 10px;
  --font: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
  font-size: 15px;
}
a { color: var(--accent-strong); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  color: var(--text);
  font-size: 17px;
}
.brand-mark {
  width: 32px; height: 32px;
  background: var(--accent);
  color: white;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px;
}
.site-nav {
  display: flex; gap: 18px; font-size: 14px;
}
.site-nav a { color: var(--text-muted); }
.site-nav a:hover { color: var(--accent-strong); text-decoration: none; }

/* Hero */
.hero {
  padding: 36px 0 24px;
}
.hero h1 {
  font-size: 28px;
  margin: 0 0 8px;
  line-height: 1.25;
}
.hero p {
  color: var(--text-muted);
  margin: 0;
  max-width: 720px;
}
.hero-meta {
  margin-top: 12px;
  display: flex; gap: 14px;
  font-size: 13px;
  color: var(--text-muted);
}
.hero-meta span {
  padding: 3px 10px;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: 999px;
}

/* Layout */
.worksheet {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}
@media (max-width: 820px) {
  .worksheet { grid-template-columns: 1fr; }
}
.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow);
}
.panel h2 {
  margin: 0 0 14px;
  font-size: 18px;
}
.panel h3 {
  margin: 18px 0 8px;
  font-size: 14px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .04em;
}

/* Form */
label {
  display: block;
  font-size: 13px;
  color: var(--text-muted);
  margin: 10px 0 4px;
}
input[type="number"], input[type="text"], select {
  width: 100%;
  padding: 9px 10px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 15px;
  background: var(--surface);
  color: var(--text);
  font-family: var(--font);
}
input:focus, select:focus {
  outline: 2px solid var(--accent-soft);
  border-color: var(--accent);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 520px) {
  .form-row { grid-template-columns: 1fr; }
}
.preset-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-top: 8px;
}
.preset-btn {
  padding: 10px;
  border: 1px solid var(--border);
  background: var(--surface-alt);
  border-radius: 6px;
  cursor: pointer;
  font-size: 13px;
  text-align: left;
  font-family: var(--font);
  transition: background .15s, border-color .15s;
}
.preset-btn:hover {
  border-color: var(--accent);
  background: var(--accent-soft);
}
.preset-btn.active {
  background: var(--accent);
  color: white;
  border-color: var(--accent-strong);
}

/* Scenario comparison */
.comparison {
  margin-top: 28px;
}
.comparison-tabs {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
  border-bottom: 1px solid var(--border);
  padding-bottom: 0;
}
.tab-btn {
  padding: 10px 16px;
  border: none;
  background: transparent;
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  font-family: var(--font);
}
.tab-btn.active {
  color: var(--accent-strong);
  border-bottom-color: var(--accent);
}
.tab-content { display: none; }
.tab-content.active { display: block; }
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (max-width: 720px) {
  .comparison-grid { grid-template-columns: 1fr; }
}
.scenario-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  background: var(--surface-alt);
}
.scenario-card h3 {
  margin-top: 0;
  text-transform: none;
  letter-spacing: 0;
  font-size: 16px;
  color: var(--text);
}
.scenario-card .rate {
  font-size: 24px;
  font-weight: 700;
  color: var(--accent-strong);
}
.scenario-card .payment {
  font-size: 18px;
  font-weight: 600;
  margin: 6px 0;
}
.scenario-card .detail {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 4px;
}
.scenario-card.better {
  background: var(--accent-soft);
  border-color: var(--accent);
}

/* Break-even */
.breakeven-result {
  margin-top: 14px;
  padding: 14px;
  background: var(--surface-alt);
  border-radius: 6px;
  font-size: 14px;
}
.breakeven-result strong {
  color: var(--accent-strong);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 14px;
  border-radius: 6px;
  border: 1px solid var(--border);
  background: var(--surface);
  cursor: pointer;
  font-size: 14px;
  font-family: var(--font);
  color: var(--text);
  transition: background .15s, border-color .15s;
}
.btn:hover { border-color: var(--accent); }
.btn-primary {
  background: var(--accent);
  color: white;
  border-color: var(--accent-strong);
}
.btn-primary:hover { background: var(--accent-strong); }
.btn-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 14px;
}

/* Glossary */
.glossary {
  margin-top: 28px;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 12px;
}
.glossary-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 14px;
}
.glossary-item h4 {
  margin: 0 0 6px;
  font-size: 14px;
  color: var(--accent-strong);
}
.glossary-item p {
  margin: 0;
  font-size: 13px;
  color: var(--text-muted);
}

/* Mistakes */
.mistakes {
  margin-top: 28px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
}
.mistakes h2 { margin-top: 0; }
.mistakes ul {
  margin: 0;
  padding-left: 20px;
}
.mistakes li {
  margin: 6px 0;
  font-size: 14px;
}

/* Saved scenarios */
.saved-list {
  margin-top: 14px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.saved-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 12px;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 13px;
}
.saved-item button {
  background: none;
  border: none;
  color: var(--danger);
  cursor: pointer;
  font-size: 13px;
  font-family: var(--font);
}

/* Footer */
.site-footer {
  margin-top: 48px;
  padding: 24px 0;
  border-top: 1px solid var(--border);
  background: var(--surface);
  font-size: 13px;
  color: var(--text-muted);
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

/* Print */
@media print {
  .site-header, .site-footer, .btn-row, .comparison-tabs, .preset-grid, .save-section { display: none; }
  .panel { box-shadow: none; border-color: #000; }
  body { background: #fff; }
}

/* Utility */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); border: 0;
}
.empty-state {
  padding: 16px;
  background: var(--surface-alt);
  border-radius: 6px;
  color: var(--text-muted);
  font-size: 14px;
}
.disclaimer {
  margin-top: 28px;
  padding: 14px;
  background: #fff7e6;
  border: 1px solid #e8d4a8;
  border-radius: 6px;
  font-size: 13px;
  color: #5a4418;
}



/* Factory-injected deployment helpers. The AI owns the site design above this block. */
.ad-unit {
  width: min(100%, 720px);
  min-height: 120px;
  margin: 24px auto;
  display: block;
}

.legal-page {
  width: min(900px, calc(100% - 32px));
  margin: 40px auto;
}

.factory-fallback-nav {
  width: min(900px, calc(100% - 32px));
  margin: 24px auto 0;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  align-items: center;
  font-size: 0.95rem;
}

.factory-fallback-nav a {
  color: inherit;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
}