:root {
  --bg: #f8faf7;
  --surface: #ffffff;
  --surface-alt: #f0f7f3;
  --text: #1b2b22;
  --muted: #4d6357;
  --brand: #e37a14;
  --brand-dark: #b95d04;
  --accent: #1f7a4f;
  --border: #d5e2d9;
  --shadow: 0 10px 30px rgba(22, 40, 31, 0.08);
  --radius: 16px;
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

body {
  font-family: "Trebuchet MS", "Segoe UI", Tahoma, sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at 10% 15%, rgba(227, 122, 20, 0.12), transparent 35%),
    radial-gradient(circle at 90% 10%, rgba(31, 122, 79, 0.12), transparent 40%),
    var(--bg);
  line-height: 1.55;
}

.container {
  width: min(1100px, 92vw);
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}

.header-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 0;
}

.brand {
  font-weight: 800;
  text-decoration: none;
  color: var(--text);
  font-size: 1.05rem;
  letter-spacing: 0.2px;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}

.site-nav a {
  text-decoration: none;
  color: var(--text);
  font-weight: 600;
  padding: 8px 11px;
  border-radius: 999px;
  border: 1px solid transparent;
}

.site-nav a:hover,
.site-nav a.active {
  border-color: var(--border);
  background: var(--surface-alt);
}

.nav-dropdown {
  position: relative;
}

.nav-dropdown-toggle {
  border: 1px solid transparent;
  background: transparent;
  color: var(--text);
  font-weight: 600;
  padding: 8px 11px;
  border-radius: 999px;
  cursor: pointer;
  font: inherit;
}

.nav-dropdown-toggle::after {
  content: " ▾";
  font-size: 0.75rem;
}

.nav-dropdown:hover .nav-dropdown-toggle,
.nav-dropdown:focus-within .nav-dropdown-toggle {
  border-color: var(--border);
  background: var(--surface-alt);
}

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 235px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 6px;
  z-index: 40;
}

.nav-dropdown-menu a {
  display: block;
  border-radius: 10px;
  padding: 8px 10px;
  border: 1px solid transparent;
  white-space: nowrap;
}

.nav-dropdown-menu a:hover {
  border-color: var(--border);
  background: var(--surface-alt);
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  display: block;
}

main {
  padding: 24px 0 48px;
}

.hero,
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero {
  padding: 24px;
  margin-bottom: 20px;
}

.hero h1 {
  margin: 0 0 10px;
  font-size: clamp(1.45rem, 2.4vw, 2rem);
  line-height: 1.2;
}

.hero p {
  margin: 0;
  color: var(--muted);
}

.hero-actions {
  margin-top: 14px;
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.grid {
  display: grid;
  gap: 14px;
}

.calculator-grid {
  grid-template-columns: 1fr;
}

.card {
  padding: 18px;
}

.card h2,
.card h3 {
  margin-top: 0;
}

.card p {
  color: var(--muted);
}

.btn,
button {
  border: 0;
  border-radius: 12px;
  padding: 11px 14px;
  cursor: pointer;
  background: var(--brand);
  color: #fff;
  font-weight: 700;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.14s ease, background 0.2s ease;
}

.btn:hover,
button:hover {
  background: var(--brand-dark);
  transform: translateY(-1px);
}

.btn.secondary,
button.secondary {
  background: var(--surface-alt);
  color: var(--text);
  border: 1px solid var(--border);
}

input,
select {
  width: 100%;
  padding: 10px 11px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font: inherit;
  color: var(--text);
  background: #fff;
}

input[type="range"] {
  padding: 0;
  border: 0;
  accent-color: var(--brand);
}

.range-wrap {
  margin-top: 8px;
}

.range-meta {
  display: flex;
  justify-content: space-between;
  color: var(--muted);
  font-size: 0.82rem;
  margin-top: 4px;
}

label {
  font-weight: 600;
  display: block;
  margin-bottom: 7px;
}

.optional-tag {
  display: inline-block;
  font-size: 0.74rem;
  padding: 1px 7px;
  border-radius: 999px;
  border: 1px solid var(--border);
  color: var(--muted);
  background: var(--surface-alt);
  vertical-align: middle;
}

.helper-text {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.field {
  margin-bottom: 12px;
}

.inline-row {
  display: grid;
  gap: 8px;
  grid-template-columns: 1fr;
}

.toggle-group,
.preset-group {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.toggle-group label {
  margin: 0;
  font-weight: 600;
  padding: 8px 11px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--surface-alt);
}

.toggle-group input {
  width: auto;
  margin-right: 6px;
}

.result-box {
  margin-top: 12px;
  padding: 14px;
  border-radius: 12px;
  border: 1px solid #cfe3d6;
  background: #f6fbf8;
}

.result-item {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  padding: 6px 0;
  border-bottom: 1px dashed #d7e7de;
}

.result-item:last-child {
  border-bottom: 0;
}

.result-value {
  font-weight: 800;
  color: var(--accent);
}

.prepay-fields {
  margin-top: 4px;
}

.is-hidden {
  display: none;
}

.prepay-result-box {
  background: #f3fbf5;
  border-color: #bfe4c9;
}

.interest-saved {
  color: #117a39;
  font-weight: 800;
}

.benefit-note {
  margin-top: 10px;
  color: var(--accent);
  font-weight: 600;
}

.strategy-row {
  margin-top: 8px;
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}

.strategy-badge {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: 4px 10px;
  font-size: 0.82rem;
  font-weight: 700;
  border: 1px solid #b8d8c4;
  background: #ebf8f1;
  color: #0f6b35;
}

.strategy-hint {
  color: var(--muted);
  font-size: 0.88rem;
}

.compare-strip {
  margin-top: 12px;
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr;
}

.compare-col {
  border: 1px solid var(--border);
  border-radius: 12px;
  background: #fff;
  padding: 10px 12px;
}

.compare-col h3 {
  margin: 0 0 8px;
  font-size: 1rem;
}

.compare-item {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  padding: 4px 0;
  color: var(--muted);
}

.compare-item strong {
  color: var(--text);
}

.error-text {
  margin-top: 8px;
  color: #b3261e;
  font-weight: 600;
}

.steps {
  margin-top: 12px;
  background: #fff;
  border: 1px dashed var(--border);
  border-radius: 10px;
  padding: 10px 12px;
  color: var(--muted);
}

.ad-container,
.ad-space {
  border: 1px dashed #c4d8cb;
  background: linear-gradient(120deg, #f7faf8, #eef6f1);
  border-radius: 12px;
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #667e70;
  font-weight: 600;
  margin: 18px 0;
  text-align: center;
  padding: 8px;
  width: 100%;
}

.ad-container.auto-ad {
  opacity: 0.95;
}

.content-block {
  margin-top: 16px;
}

.content-block h2 {
  margin-bottom: 8px;
}

.site-footer {
  border-top: 1px solid var(--border);
  background: #ffffff;
}

.footer-wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  padding: 14px 0;
  flex-wrap: wrap;
}

.footer-links {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.footer-links a {
  color: var(--text);
  text-decoration: none;
  font-weight: 600;
}

.calc-link-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 14px;
}

.goal-tags {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 10px;
}

.goal-tag {
  display: inline-flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 4px 10px;
  font-size: 0.82rem;
  color: var(--muted);
  background: var(--surface-alt);
  font-weight: 700;
}

.safe-private {
  margin: 4px 0;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 600;
}

.trust-grid {
  margin-top: 14px;
}

.trust-card {
  background: linear-gradient(135deg, #f7fbf8, #edf7f1);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 18px;
  box-shadow: var(--shadow);
}

.trust-card h3 {
  margin: 0 0 8px;
}

.trust-card p {
  margin: 0;
}

.trust-icon {
  width: 42px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 10px;
  border-radius: 12px;
  background: #e4f4ea;
  color: var(--accent);
  font-size: 1.1rem;
  font-weight: 800;
}

.footer-trust-strip {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  align-items: center;
}

.footer-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 10px;
  border-radius: 999px;
  background: var(--surface-alt);
  border: 1px solid var(--border);
  color: var(--muted);
  font-size: 0.85rem;
  font-weight: 700;
}

.table-wrap {
  margin-top: 12px;
  overflow-x: auto;
}

.amortization-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 620px;
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}

.amortization-table th,
.amortization-table td {
  border-bottom: 1px solid var(--border);
  padding: 8px 10px;
  text-align: left;
  font-size: 0.9rem;
}

.amortization-table th {
  background: var(--surface-alt);
  color: var(--text);
}

.blog-meta {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin: 8px 0 12px;
}

.chip {
  display: inline-flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 4px 10px;
  font-size: 0.8rem;
  color: var(--muted);
  background: var(--surface-alt);
}

.summary-box {
  margin: 12px 0;
  padding: 12px;
  border-left: 4px solid var(--brand);
  border-radius: 10px;
  background: #fff8f1;
}

.related-list {
  display: grid;
  gap: 8px;
  margin-top: 10px;
}

.related-list a {
  text-decoration: none;
  font-weight: 600;
  color: var(--accent);
}

.featured-badge {
  background: #28a745;
  color: white;
  padding: 4px 8px;
  font-size: 12px;
  border-radius: 4px;
  display: inline-block;
  margin-bottom: 8px;
}

/* Explanation and FAQ Sections */
.explanation-section {
  background-color: var(--surface-alt);
  padding: 16px;
  border-radius: 12px;
  margin-top: 16px;
  border-left: 4px solid var(--brand);
}

.explanation-section h3 {
  margin-top: 0;
  color: var(--accent);
  font-size: 1.1rem;
}

.explanation-section p {
  margin: 8px 0;
  font-size: 0.95rem;
  color: var(--text);
}

.faq-section {
  background-color: var(--surface-alt);
  padding: 20px;
  border-radius: 12px;
  margin-top: 20px;
}

.faq-section h2 {
  margin-top: 0;
  color: var(--text);
  font-size: 1.4rem;
  border-bottom: 2px solid var(--brand);
  padding-bottom: 10px;
}

.faq-item {
  margin: 16px 0;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}

.faq-item:last-child {
  border-bottom: none;
}

.faq-item h4 {
  margin: 0 0 8px 0;
  color: var(--accent);
  font-size: 1rem;
  font-weight: 600;
}

.faq-item p {
  margin: 0;
  color: var(--text);
  font-size: 0.95rem;
  line-height: 1.5;
}

/* Copy Button */
.copy-btn {
  background-color: var(--surface);
  color: var(--text);
  border: 1px solid var(--brand);
  cursor: pointer;
  font-weight: 600;
  transition: all 0.3s ease;
}

.copy-btn:hover {
  background-color: var(--brand);
  color: white;
  transform: translateY(-2px);
}

.copy-btn:active {
  transform: translateY(0);
}

.copy-feedback {
  display: inline-block;
  margin-left: 8px;
  color: #117a39;
  font-size: 0.85rem;
  font-weight: 600;
}

@media (min-width: 760px) {
  .calculator-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .calculator-grid > .card:last-child:nth-child(3n + 1) {
    grid-column: 2;
  }

  .inline-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero {
    padding: 30px;
  }

  .compare-strip {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 759px) {
  .ad-container,
  .ad-space {
    min-height: 64px;
    margin: 14px 0;
    font-size: 0.9rem;
  }

  .nav-dropdown {
    width: 100%;
  }

  .nav-dropdown-toggle {
    width: 100%;
    text-align: left;
  }

  .nav-dropdown-menu {
    position: static;
    min-width: 100%;
    margin-top: 6px;
  }
}