/* Mortgage Calculator v2 — dark theme (palette from the original) */
:root {
  --bg: #0b0c0e;
  --panel: #16181c;
  --panel-2: #1d2026;
  --border: #2a2e36;
  --text: #e7e9ee;
  --muted: #9aa1ad;
  --accent: #0054e9;
  --accent-2: #1a65eb;
  --prop: #00b2ee;   /* property */
  --prin: #009acd;   /* principal */
  --int:  #ee4040;   /* interest */
  --pay:  #2dd55b;   /* payment */
  --ext:  #32cd32;   /* extra */
  --warn: #ffc409;
  --danger:#c5000f;
  --radius: 12px;
  --shadow: 0 1px 3px rgba(0,0,0,.4), 0 8px 24px rgba(0,0,0,.25);
  font-synthesis: none;
}
* { box-sizing: border-box; }
html, body { margin: 0; background: var(--bg); color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 15px; line-height: 1.45; }

header.app {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 22px; border-bottom: 1px solid var(--border);
  position: sticky; top: 0; background: rgba(11,12,14,.85); backdrop-filter: blur(8px); z-index: 10;
}
header.app h1 { font-size: 17px; margin: 0; font-weight: 650; letter-spacing: .2px; }
header.app .tag { font-size: 12px; color: var(--muted); }
header.app .spacer { flex: 1; }
header.app .top-control { display: inline-flex; align-items: center; gap: 7px; font-size: 11px; color: var(--muted); }
header.app .top-control select { width: auto; min-width: 132px; padding: 4px 28px 4px 9px; border-radius: 999px; font-size: 11px;
  color: var(--text); background-color: var(--panel-2); }

main { display: grid; grid-template-columns: 380px 1fr; gap: 20px; padding: 20px; max-width: 1400px; margin: 0 auto; align-items: start; }
@media (max-width: 920px) { main { grid-template-columns: 1fr; } }
@media (max-width: 600px) {
  header.app { flex-wrap: wrap; align-items: flex-start; gap: 8px; padding: 12px; position: static; }
  header.app .tag { flex-basis: 100%; }
  header.app .spacer { display: none; }
  header.app .top-control { width: 100%; justify-content: space-between; }
  header.app .top-control select { max-width: 62%; min-width: 136px; }
  main { padding: 12px; gap: 12px; width: 100%; overflow: hidden; }
  .panel { min-width: 0; }
  .panel .bd { padding: 12px; }
  .inline2, .inline3 { grid-template-columns: 1fr; }
  .payment-hero { grid-template-columns: 1fr; gap: 12px; padding: 14px; }
  .payment-hero .big { font-size: 30px; }
  .kpis { grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); }
  .audit-row { grid-template-columns: 1fr; gap: 3px; }
  .tabs { flex-wrap: wrap; }
}

.panel { background: var(--panel); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); }
.panel .hd { padding: 12px 16px; border-bottom: 1px solid var(--border); font-weight: 600; font-size: 13px;
  text-transform: uppercase; letter-spacing: .5px; color: var(--muted); display:flex; align-items:center; gap:8px; }
.panel .bd { padding: 14px 16px; }

/* form */
.field { margin-bottom: 14px; }
.field:last-child { margin-bottom: 0; }
.field label { display: block; font-size: 12.5px; color: var(--muted); margin-bottom: 5px; }
.field .row { display: flex; gap: 8px; align-items: center; }
.input, select { width: 100%; background: var(--panel-2); border: 1px solid var(--border); color: var(--text);
  border-radius: 9px; padding: 9px 11px; font-size: 14px; outline: none; transition: border-color .15s; }
.input:focus, select:focus { border-color: var(--accent-2); }
.input.money { text-align: right; font-variant-numeric: tabular-nums; }
.seg { display: inline-flex; background: var(--panel-2); border: 1px solid var(--border); border-radius: 9px; overflow: hidden; }
.seg button { background: transparent; border: 0; color: var(--muted); padding: 7px 12px; font-size: 13px; cursor: pointer; }
.seg button.active { background: var(--accent); color: #fff; }
.hint { font-size: 11.5px; color: var(--muted); margin-top: 4px; }
.hint.warn { color: var(--warn); }
.hint.ok { color: var(--pay); }
.scope-note { margin-top: 7px; border: 1px solid rgba(45,213,91,.25); background: rgba(45,213,91,.08);
  color: var(--pay); border-radius: 8px; padding: 8px 10px; font-size: 12px; }
.scope-note.on { border-color: rgba(255,196,9,.32); background: rgba(255,196,9,.09); color: var(--warn); }
.slider { width: 100%; accent-color: var(--accent); }
details.group { border-top: 1px solid var(--border); margin-top: 8px; padding-top: 8px; }
details.group > summary { cursor: pointer; font-size: 12.5px; color: var(--muted); list-style: none; padding: 4px 0; user-select: none; }
details.group > summary::before { content: "▸ "; }
details.group[open] > summary::before { content: "▾ "; }
.rate-schedule-panel { border: 1px solid var(--border); background: rgba(29,32,38,.62); border-radius: 8px; padding: 10px; margin: -2px 0 14px; }
.rate-schedule-panel .field { margin-bottom: 10px; }
.inline2 { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.inline3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.checkrow { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--text); }

/* results */
.results { display: grid; gap: 16px; }
.audit-disclosure { order: 8; }
#disclaimer { order: 99; }
.audit-disclosure > summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between;
  gap: 14px; padding: 13px 16px; user-select: none; }
.audit-summary > span:first-child { min-width: 0; }
.audit-disclosure > summary::-webkit-details-marker { display: none; }
.audit-summary strong { display: block; font-size: 13px; color: var(--text); font-weight: 650; }
.audit-summary small { display: block; color: var(--muted); font-size: 11.5px; margin-top: 2px; }
.audit-toggle { flex: 0 0 auto; border: 1px solid rgba(45,213,91,.3); background: rgba(45,213,91,.08);
  color: var(--pay); border-radius: 999px; padding: 5px 10px; font-size: 11.5px; font-weight: 650; }
.audit-toggle .hide { display: none; }
.audit-disclosure[open] .audit-toggle .view { display: none; }
.audit-disclosure[open] .audit-toggle .hide { display: inline; }
.audit-body { border-top: 1px solid var(--border); }
@media (max-width: 600px) {
  .audit-disclosure > summary { align-items: flex-start; flex-direction: column; gap: 9px; }
}
.payment-hero { display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: center; padding: 18px 20px; }
.payment-hero .big { font-size: 38px; font-weight: 700; font-variant-numeric: tabular-nums; line-height: 1; }
.payment-hero .big small { font-size: 15px; color: var(--muted); font-weight: 500; }
.payment-hero .sub { color: var(--muted); font-size: 13px; margin-top: 6px; }
.kpis { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px,1fr)); gap: 1px; background: var(--border); border-radius: var(--radius); overflow: hidden; }
.kpi { background: var(--panel); padding: 12px 14px; }
.kpi .l { font-size: 11.5px; color: var(--muted); }
.kpi .v { font-size: 18px; font-weight: 650; font-variant-numeric: tabular-nums; margin-top: 3px; }
.kpi .v.int { color: var(--int); }
.kpi .v.ok { color: var(--pay); }

.legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: 12px; color: var(--muted); padding: 0 16px 8px; }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: 5px; vertical-align: middle; }

/* chart */
.mc-chart { display: block; }
.mc-grid { stroke: #23262d; stroke-width: 1; }
.mc-axis { fill: var(--muted); font-size: 10.5px; }
.mc-area-balance { fill: rgba(0,154,205,.18); }
.mc-line-balance { stroke: var(--prin); stroke-width: 2; }
.mc-marker { stroke: var(--accent-2); stroke-width: 1; stroke-dasharray: 3 3; }
.mc-tip { position: absolute; top: 14px; background: var(--panel-2); border: 1px solid var(--border);
  border-radius: 8px; padding: 8px 10px; font-size: 12px; pointer-events: none; box-shadow: var(--shadow); white-space: nowrap; }
.chart-wrap { position: relative; }

/* table */
.tabs { display: flex; gap: 4px; }
.tabs button { background: var(--panel-2); border: 1px solid var(--border); color: var(--muted); padding: 5px 12px;
  border-radius: 8px; font-size: 12.5px; cursor: pointer; }
.tabs button.active { background: var(--accent); color: #fff; border-color: var(--accent); }
.tabs.tabs-compact button { padding: 4px 9px; font-size: 11.5px; }
.assumption-strip { display: grid; grid-template-columns: repeat(auto-fit, minmax(155px, 1fr)); gap: 8px; margin-bottom: 12px; }
.assumption-chip { border: 1px solid var(--border); background: var(--panel-2); border-radius: 8px; padding: 8px 10px; min-height: 54px; }
.assumption-chip .k { color: var(--muted); font-size: 10.5px; text-transform: uppercase; letter-spacing: .45px; }
.assumption-chip .v { color: var(--text); font-size: 13px; font-weight: 650; margin-top: 3px; font-variant-numeric: tabular-nums; }
.assumption-chip .s { color: var(--muted); font-size: 11px; margin-top: 2px; }
.audit-view { padding-top: 2px; }
.audit-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 10px; }
.audit-box { border: 1px solid var(--border); border-radius: 8px; background: rgba(29,32,38,.72); overflow: hidden; }
.audit-box .audit-title { padding: 9px 11px; color: var(--muted); font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; border-bottom: 1px solid var(--border); }
.audit-row { display: grid; grid-template-columns: minmax(115px, .8fr) 1fr; gap: 10px; padding: 7px 11px; border-bottom: 1px solid rgba(42,46,54,.72); font-size: 12.5px; }
.audit-row:last-child { border-bottom: 0; }
.audit-row span:first-child { color: var(--muted); }
.audit-row span:last-child { color: var(--text); font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.audit-row code { color: var(--text); white-space: normal; overflow-wrap: anywhere; }
.audit-badges { display: flex; flex-wrap: wrap; gap: 7px; }
.trust-badge { border: 1px solid var(--border); border-radius: 999px; padding: 4px 8px; font-size: 11.5px; color: var(--muted); background: var(--panel-2); }
.trust-badge.exact { color: var(--pay); border-color: rgba(45,213,91,.35); }
.trust-badge.rule { color: var(--prop); border-color: rgba(0,178,238,.35); }
.trust-badge.estimate { color: var(--warn); border-color: rgba(255,196,9,.35); }
.source-list { display: grid; gap: 8px; }
.source-item { border: 1px solid var(--border); border-radius: 8px; background: var(--panel-2); padding: 9px 11px; font-size: 12.5px; }
.source-item a { color: var(--accent-2); text-decoration: none; }
.source-item a:hover { text-decoration: underline; }
.source-item .meta { color: var(--muted); font-size: 11.5px; margin-top: 3px; }
table.amort { width: 100%; border-collapse: collapse; font-size: 12.5px; font-variant-numeric: tabular-nums; }
table.amort th, table.amort td { padding: 7px 10px; text-align: right; border-bottom: 1px solid var(--border); }
table.amort th { color: var(--muted); font-weight: 600; position: sticky; top: 0; background: var(--panel); }
table.amort td:first-child, table.amort th:first-child { text-align: left; }
table.amort td.int { color: var(--int); }
table.amort td.prin { color: var(--prin); }
.scroll { max-height: 380px; overflow: auto; border-radius: 8px; }

.note { font-size: 11.5px; color: var(--muted); padding: 10px 16px; border-top: 1px solid var(--border); }
.badge { font-size: 10.5px; padding: 2px 7px; border-radius: 999px; background: rgba(0,84,233,.18); color: var(--accent-2); }
.row-split { display: flex; justify-content: space-between; gap: 10px; padding: 7px 0; border-bottom: 1px solid var(--border); font-size: 13.5px; }
.row-split:last-child { border-bottom: 0; }
.row-split .v { font-variant-numeric: tabular-nums; }
.row-split.total { font-weight: 700; font-size: 15px; }

/* VRM rate-schedule editor + editable table cell + warnings */
.tabs-btn { background: var(--panel-2); border: 1px dashed var(--border); color: var(--accent-2); padding: 6px 12px;
  border-radius: 8px; font-size: 12.5px; cursor: pointer; }
.tabs-btn:hover { border-color: var(--accent-2); }
.vrm-row { display: grid; grid-template-columns: 1fr 90px 28px; gap: 6px; align-items: center; margin-bottom: 6px; }
.vrm-row input { background: var(--panel-2); border: 1px solid var(--border); color: var(--text); border-radius: 7px; padding: 7px 9px; font-size: 13px; width: 100%; }
.vrm-row .rm { background: transparent; border: 0; color: var(--int); cursor: pointer; font-size: 16px; line-height: 1; }
.rate-schedule-panel.emphasis { border-color: rgba(0,178,238,.42); background: rgba(0,178,238,.07); }
.adhoc-ledger { border: 1px solid var(--border); border-radius: 8px; background: rgba(29,32,38,.55); padding: 9px; margin: 8px 0; }
.ledger-title { color: var(--muted); font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .45px; margin-bottom: 7px; }
.ledger-columns { display: grid; grid-template-columns: 1fr 94px minmax(92px, 1fr) 28px; gap: 6px; color: var(--muted); font-size: 11px; margin: 0 0 4px; }
.adhoc-row { display: grid; grid-template-columns: 1fr 94px minmax(92px, 1fr) 28px; gap: 6px; align-items: center; margin-bottom: 6px; }
.adhoc-row input { background: var(--panel-2); border: 1px solid var(--border); color: var(--text); border-radius: 7px; padding: 7px 9px; font-size: 13px; min-width: 0; width: 100%; }
.adhoc-row input.money { text-align: right; }
.adhoc-row .rm { background: transparent; border: 0; color: var(--int); cursor: pointer; font-size: 16px; line-height: 1; }
.ledger-empty { color: var(--muted); font-size: 12px; padding: 2px 0 8px; }
@media (max-width: 600px) {
  .ledger-columns { display: none; }
  .adhoc-row { grid-template-columns: 1fr; }
  .adhoc-row .rm { justify-self: end; }
}
input.cell-extra { width: 84px; background: var(--panel-2); border: 1px solid var(--border); color: var(--ext);
  border-radius: 6px; padding: 3px 6px; font-size: 12px; text-align: right; font-variant-numeric: tabular-nums; }
input.cell-extra:focus { border-color: var(--accent-2); outline: none; }
tr.negam td { color: var(--warn) !important; }
tr.negam td.prin { color: var(--warn) !important; }
.warnbox { background: rgba(255,196,9,.12); border: 1px solid rgba(255,196,9,.4); color: var(--warn);
  border-radius: 8px; padding: 9px 12px; font-size: 12.5px; margin: 4px 0; }
.kpi .v.warn { color: var(--warn); }