:root {
  --bg: #f1f4f9;
  --surface: #ffffff;
  --border: #dde2ec;
  --border-strong: #c3cbdb;
  --text: #141b2b;
  --muted: #5d6880;
  --accent: #2c56e0;
  --accent-soft: #eaeffd;
  --good: #0f7b47;
  --good-soft: #e7f5ed;
  --good-border: #b4ddc6;
  --bad: #b3261e;
  --bad-soft: #fdeeec;
  --bad-border: #f0c4bf;
  --warn: #7a4a06;
  --warn-soft: #fff6e5;
  --warn-border: #f0d5a0;
  --radius: 14px;
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

[hidden] {
  display: none !important;
}

body {
  margin: 0;
  padding: 0 1.5rem 3rem;
  background: var(--bg);
  color: var(--text);
  font: 16px/1.55 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-variant-numeric: tabular-nums;
}

/* ---------- masthead ---------- */

.masthead {
  max-width: 1180px;
  margin: 0 auto;
  padding: 1.75rem 0 1.25rem;
}

.masthead__inner {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.masthead h1 {
  margin: 0;
  font-size: 1.7rem;
  letter-spacing: -0.025em;
}

.masthead__sub {
  margin: 0.15rem 0 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.glance {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.glance__cell {
  min-width: 118px;
  padding: 0.5rem 0.8rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 10px;
}

.glance__cell--good .glance__value {
  color: var(--good);
}

.glance__label {
  display: block;
  font-size: 0.68rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

.glance__value {
  display: block;
  font-size: 1.15rem;
  font-weight: 650;
  letter-spacing: -0.02em;
}

/* ---------- layout ---------- */

.layout {
  max-width: 1180px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 1.5rem;
  align-items: start;
}

.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
}

.results {
  align-self: start;
}

/* ---------- steps ---------- */

.step {
  border-top: 1px solid var(--border);
  padding-top: 1.4rem;
  margin-top: 1.4rem;
}

.step:first-of-type {
  border-top: 0;
  padding-top: 0;
  margin-top: 0;
}

.step__head {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  margin: 0 0 0.9rem;
  font-size: 1rem;
}

.step__num {
  flex: none;
  width: 26px;
  height: 26px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 700;
}

.step__text {
  display: flex;
  flex-direction: column;
}

.step__title {
  font-size: 1.02rem;
  font-weight: 650;
  letter-spacing: -0.01em;
}

.step__sub {
  font-size: 0.8rem;
  font-weight: 400;
  color: var(--muted);
}

/* ---------- fields ---------- */

.field {
  margin-top: 0.85rem;
  min-width: 0;
}

.field > label {
  display: block;
  font-size: 0.89rem;
  font-weight: 550;
}

.hint {
  display: block;
  font-size: 0.76rem;
  color: var(--muted);
  margin-top: 0.05rem;
}

.field-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 0 1rem;
}

input[type="text"],
input[type="number"],
select {
  width: 100%;
  margin-top: 0.3rem;
  padding: 0.55rem 0.7rem;
  font: inherit;
  font-variant-numeric: tabular-nums;
  color: inherit;
  background: var(--surface);
  border: 1px solid var(--border-strong);
  border-radius: 9px;
}

input:focus-visible,
select:focus-visible,
button:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
}

/* money input with inline $ and Max button */

.money {
  position: relative;
  display: block;
  margin-top: 0.3rem;
}

.money__sign {
  position: absolute;
  left: 0.7rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  font-size: 0.92rem;
  pointer-events: none;
}

.money input {
  margin-top: 0;
  padding-left: 1.5rem;
  padding-right: 3.4rem;
  font-weight: 550;
}

.money__max {
  position: absolute;
  right: 0.3rem;
  top: 50%;
  transform: translateY(-50%);
  padding: 0.22rem 0.55rem;
  font: inherit;
  font-size: 0.72rem;
  font-weight: 650;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--accent-soft);
  border: 1px solid transparent;
  border-radius: 6px;
  cursor: pointer;
}

.money__max:hover {
  border-color: var(--accent);
}

/* headroom meter */

.meter {
  display: block;
  margin-top: 0.35rem;
}

.meter__bar {
  display: block;
  height: 5px;
  border-radius: 99px;
  background: #e6eaf2;
  overflow: hidden;
}

.meter__level {
  display: block;
  height: 100%;
  border-radius: 99px;
  background: var(--accent);
  transition: width 120ms ease-out;
}

.meter--full .meter__level {
  background: var(--good);
}

.meter__text {
  display: block;
  margin-top: 0.2rem;
  font-size: 0.73rem;
  color: var(--muted);
}

.meter--full .meter__text {
  color: var(--good);
  font-weight: 600;
}

/* checks, radios, callout */

.radio-row {
  display: flex;
  gap: 0.6rem;
  margin-top: 0.4rem;
}

.radio {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.6rem 0.8rem;
  border: 1px solid var(--border-strong);
  border-radius: 9px;
  font-size: 0.92rem;
  cursor: pointer;
}

.radio:has(input:checked) {
  border-color: var(--accent);
  background: var(--accent-soft);
  font-weight: 600;
}

.check-row {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  margin-top: 0.9rem;
}

.check {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.88rem;
  cursor: pointer;
}

.callout {
  margin: 0.8rem 0 0;
  padding: 0.6rem 0.75rem;
  background: var(--accent-soft);
  border-radius: 9px;
  font-size: 0.79rem;
  color: #33406a;
}

.reset {
  margin-top: 1.6rem;
  padding: 0.55rem 1rem;
  font: inherit;
  font-size: 0.88rem;
  color: var(--muted);
  background: transparent;
  border: 1px solid var(--border-strong);
  border-radius: 9px;
  cursor: pointer;
}

.reset:hover {
  color: var(--text);
  border-color: var(--muted);
}

/* ---------- results ---------- */

.headline {
  padding: 0.2rem 0 0.1rem;
}

.headline__label {
  margin: 0;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

.headline__value {
  margin: 0.1rem 0 0;
  font-size: 2.6rem;
  font-weight: 700;
  letter-spacing: -0.035em;
}

.headline__meta {
  margin: 0.15rem 0 0;
  font-size: 0.84rem;
  color: var(--muted);
}

.rates {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.55rem;
  margin: 1.1rem 0 0.4rem;
}

.rate-pill {
  padding: 0.55rem 0.7rem;
  background: var(--bg);
  border-radius: 10px;
}

.rate-pill__label {
  display: block;
  font-size: 0.7rem;
  color: var(--muted);
}

.rate-pill__value {
  display: block;
  font-size: 1.05rem;
  font-weight: 650;
}

.result-block {
  margin-top: 1.5rem;
}

.result-block__title {
  margin: 0 0 0.5rem;
  font-size: 0.73rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--muted);
}

.line {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.33rem 0;
  font-size: 0.91rem;
}

.line__value {
  font-weight: 550;
  white-space: nowrap;
}

.line--minus .line__value {
  color: var(--muted);
}

.line--total {
  border-top: 1px solid var(--border);
  margin-top: 0.25rem;
  padding-top: 0.5rem;
  font-weight: 700;
}

.line--muted {
  color: var(--muted);
}

.line--good .line__value {
  color: var(--good);
  font-weight: 700;
}

.line--bad .line__value {
  color: var(--bad);
  font-weight: 700;
}

/* savings + verdict callouts */

.savings {
  background: var(--good-soft);
  border: 1px solid var(--good-border);
  border-radius: 11px;
  padding: 0.9rem 1rem;
}

.savings .result-block__title {
  color: var(--good);
}

.savings__banner {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 0.4rem;
}

.savings__value {
  font-size: 1.9rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--good);
}

.savings__caption {
  font-size: 0.84rem;
  color: var(--muted);
}

.savings__note {
  margin: 0.6rem 0 0;
  font-size: 0.8rem;
  color: var(--muted);
}

.verdict {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-top: 0.9rem;
  padding: 0.75rem 0.9rem;
  border-radius: 11px;
}

.verdict--good {
  background: var(--good-soft);
  border: 1px solid var(--good-border);
}

.verdict--bad {
  background: var(--bad-soft);
  border: 1px solid var(--bad-border);
}

.verdict--neutral {
  background: var(--bg);
  border: 1px solid var(--border);
}

.verdict__value {
  font-size: 1.6rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.verdict--good .verdict__value {
  color: var(--good);
}

.verdict--bad .verdict__value {
  color: var(--bad);
}

.verdict__caption {
  font-size: 0.84rem;
  color: var(--muted);
}

/* tables */

.brackets,
.compare {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.84rem;
}

.brackets th,
.compare th {
  text-align: right;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
  padding-bottom: 0.35rem;
  border-bottom: 1px solid var(--border-strong);
}

.brackets th:first-child,
.compare th:first-child {
  text-align: left;
}

.brackets th:nth-child(2) {
  text-align: left;
}

.brackets td,
.compare td {
  padding: 0.38rem 0;
  border-bottom: 1px solid var(--border);
}

.brackets .num,
.compare td.num {
  text-align: right;
  padding-left: 0.5rem;
}

.brackets__rate {
  font-weight: 700;
  color: var(--accent);
}

.compare__current td {
  font-weight: 700;
  background: var(--accent-soft);
}

.compare__current td:first-child {
  border-top-left-radius: 6px;
  border-bottom-left-radius: 6px;
  padding-left: 0.4rem;
}

.compare__current td:last-child {
  border-top-right-radius: 6px;
  border-bottom-right-radius: 6px;
  padding-right: 0.4rem;
}

.compare__sub td:first-child {
  padding-left: 0.9rem;
  color: var(--muted);
}

.compare__total td {
  font-weight: 700;
}

.compare__note {
  margin: 0.6rem 0 0;
  font-size: 0.79rem;
  color: var(--muted);
}

.warnings {
  color: var(--warn);
  background: var(--warn-soft);
  border: 1px solid var(--warn-border);
  border-radius: 11px;
  padding: 0.9rem 1rem;
}

.warnings .result-block__title {
  color: inherit;
}

.warnings ul {
  margin: 0;
  padding-left: 1.1rem;
  font-size: 0.83rem;
}

.warnings li + li {
  margin-top: 0.45rem;
}

.footnote {
  max-width: 1180px;
  margin: 1.5rem auto 0;
  color: var(--muted);
  font-size: 0.79rem;
}

@media (max-width: 900px) {
  .layout {
    grid-template-columns: 1fr;
  }

  .masthead__inner {
    align-items: flex-start;
  }
}