:root {
  --bg: #f4f7f6;
  --surface: #ffffff;
  --text: #1c2b2a;
  --text-muted: #5c6b6a;
  --border: #dfe7e5;
  --primary: #0f7a5c;
  --primary-dark: #0b5d45;
  --primary-light: #e4f4ee;
  --accent: #ff7a45;
  --danger: #c0392b;
  --warning-bg: #fff4dd;
  --warning-border: #e8c987;
  --warning-text: #6b4d0f;
  --radius: 12px;
  --shadow: 0 2px 10px rgba(15, 40, 35, 0.06);
  color-scheme: light;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.5;
}

/* ---------- Disclaimer banner ---------- */
.disclaimer-banner {
  background: var(--warning-bg);
  border-bottom: 1px solid var(--warning-border);
  color: var(--warning-text);
  padding: 10px 20px;
  text-align: center;
  font-size: 0.85rem;
}

.disclaimer-banner p {
  margin: 0;
  max-width: 900px;
  margin: 0 auto;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #fff;
  padding: 48px 20px 56px;
  text-align: center;
}

.hero-inner {
  max-width: 720px;
  margin: 0 auto;
}

.hero h1 {
  margin: 0 0 10px;
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
}

.flame {
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.25));
}

.tagline {
  margin: 0;
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.9);
}

/* ---------- Intro / FAQ (SEO content) ---------- */
.intro {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
}

.intro-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: 32px 20px;
  text-align: center;
}

.intro h2 {
  margin: 0 0 12px;
  font-size: 1.4rem;
  color: var(--primary-dark);
}

.intro p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.65;
}

.faq {
  background: var(--surface);
  border-top: 1px solid var(--border);
}

.faq-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: 40px 20px;
}

.faq h2 {
  margin: 0 0 18px;
  font-size: 1.4rem;
  text-align: center;
}

.faq details {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 14px 16px;
  margin-bottom: 10px;
  background: #fbfcfc;
}

.faq summary {
  font-weight: 700;
  cursor: pointer;
  list-style: none;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::before {
  content: "+ ";
  color: var(--primary);
}

.faq details[open] summary::before {
  content: "\2212 ";
}

.faq details p {
  margin: 10px 0 0;
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.6;
}

/* ---------- Layout ---------- */
.layout {
  max-width: 1080px;
  margin: -30px auto 0;
  padding: 0 20px 60px;
  display: grid;
  grid-template-columns: minmax(320px, 420px) 1fr;
  gap: 24px;
  align-items: start;
}

@media (max-width: 860px) {
  .layout {
    grid-template-columns: 1fr;
  }
}

.panel {
  background: var(--surface);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  padding: 24px;
  min-width: 0; /* grid items don't shrink below content's intrinsic width by default, which pushed the page wider than the viewport on phones */
}

@media (max-width: 480px) {
  .panel {
    padding: 18px;
  }
}

.panel h2 {
  margin: 0 0 6px;
  font-size: 1.3rem;
}

.hint {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin: 0 0 16px;
}

/* ---------- Debt rows / form ---------- */
.debt-row {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px;
  margin-bottom: 14px;
  position: relative;
  background: #fbfcfc;
}

.debt-row-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.debt-row-header span {
  font-weight: 700;
  color: var(--primary-dark);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.remove-debt-btn {
  background: none;
  border: none;
  color: var(--text-muted);
  cursor: pointer;
  font-size: 0.85rem;
  text-decoration: underline;
  /* padding + negative margin enlarges the tap target to ~44px without shifting the visible label */
  padding: 13px 8px;
  margin: -13px -8px -13px 0;
  touch-action: manipulation;
}

.remove-debt-btn:hover {
  color: var(--danger);
}

.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.field {
  margin-bottom: 12px;
}

.field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 4px;
}

.field-help {
  display: block;
  font-weight: 400;
  color: var(--text-muted);
  font-size: 0.78rem;
  margin-top: 2px;
}

input[type="text"],
input[type="number"] {
  width: 100%;
  padding: 11px 10px;
  border: 1px solid var(--border);
  border-radius: 8px;
  /* 16px minimum stops iOS Safari from auto-zooming the page when a field is focused */
  font-size: 16px;
  background: #fff;
  color: var(--text);
}

input:focus {
  outline: 2px solid var(--primary);
  outline-offset: 1px;
}

.input-prefix,
.input-suffix {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: #fff;
  overflow: hidden;
}

.input-prefix span,
.input-suffix span {
  padding: 0 10px;
  color: var(--text-muted);
  font-size: 0.9rem;
  background: #f0f3f2;
  align-self: stretch;
  display: flex;
  align-items: center;
}

.input-prefix input,
.input-suffix input {
  border: none;
  border-radius: 0;
}

.input-prefix input:focus,
.input-suffix input:focus {
  outline: none;
}

.btn {
  display: inline-block;
  border: none;
  border-radius: 8px;
  padding: 13px 20px;
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform 0.05s ease, background 0.15s ease;
  touch-action: manipulation;
}

.btn:active {
  transform: scale(0.98);
}

.btn-secondary {
  background: var(--primary-light);
  color: var(--primary-dark);
  width: 100%;
  margin-bottom: 18px;
}

.btn-secondary:hover {
  background: #d5eee3;
}

.btn-secondary:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  width: 100%;
  font-size: 1.05rem;
  padding: 13px 20px;
}

.btn-primary:hover {
  background: #ef6a35;
}

.extra-payment-field {
  border-top: 1px dashed var(--border);
  padding-top: 16px;
  margin-top: 4px;
}

.form-error {
  color: var(--danger);
  font-size: 0.88rem;
  margin: 10px 0 0;
  min-height: 1.2em;
}

/* ---------- Results ---------- */
.results-panel[hidden] {
  display: none;
}

.stat-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
  margin-bottom: 28px;
}

.stat-card {
  background: var(--primary-light);
  border-radius: var(--radius);
  padding: 16px;
  text-align: center;
}

.stat-card .value {
  display: block;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary-dark);
  line-height: 1.2;
}

.stat-card .label {
  font-size: 0.78rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.results-block {
  margin-bottom: 32px;
}

.results-block h3 {
  margin: 0 0 6px;
  font-size: 1.1rem;
}

.payoff-order {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.payoff-order li {
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 14px;
  background: #fbfcfc;
}

.payoff-order .rank {
  flex: 0 0 auto;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
}

.payoff-order .info {
  flex: 1;
}

.payoff-order .info .name {
  font-weight: 700;
}

.payoff-order .info .meta {
  color: var(--text-muted);
  font-size: 0.85rem;
}

.payoff-order .done-in {
  text-align: right;
  font-weight: 700;
  color: var(--primary-dark);
  font-size: 0.9rem;
  white-space: nowrap;
}

#balance-chart {
  width: 100%;
  height: auto;
  max-width: 100%;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
}

.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 10px;
  font-size: 0.82rem;
  color: var(--text-muted);
}

.chart-legend .legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.chart-legend .swatch {
  width: 12px;
  height: 12px;
  border-radius: 3px;
  display: inline-block;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
  min-width: 560px;
}

thead th {
  text-align: left;
  background: var(--primary-light);
  color: var(--primary-dark);
  padding: 10px 12px;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

tbody td {
  padding: 10px 12px;
  border-top: 1px solid var(--border);
}

.warning-note {
  background: var(--warning-bg);
  border: 1px solid var(--warning-border);
  color: var(--warning-text);
  padding: 12px 14px;
  border-radius: var(--radius);
  font-size: 0.88rem;
}

.warning-note[hidden] {
  display: none;
}

/* ---------- Footer ---------- */
.site-footer {
  max-width: 900px;
  margin: 0 auto;
  padding: 24px 20px 60px;
  color: var(--text-muted);
  font-size: 0.82rem;
  text-align: center;
}

.footer-meta {
  margin-top: 8px;
  font-weight: 600;
}