/* =========================================================================
   Lumera — global stylesheet (v2 design pass)
   Fintech-clean: real type, layered depth, numbers as heroes.
   1. Fonts · 2. Tokens · 3. Reset · 4. Layout · 5. Header · 6. Hero
   7. Tool card · 8. Forms · 9. Results · 10. Comparison · 11. Chart
   12. Amort table · 13. Ad slots · 14. Content · 15. Footer
   16. Responsive · 17. Reduced motion · 18. Print
   ========================================================================= */

/* -------- 1. Fonts ------------------------------------------------------ */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');

/* -------- 2. Tokens ----------------------------------------------------- */
:root {
  --bg:            #fbfaf8;
  --bg-halo:       #eef2ff;
  --surface:       #ffffff;
  --surface-2:     #f6f4ef;
  --surface-sink:  #f0ede7;
  --text:          #17171c;
  --text-muted:    #56545f;
  --text-soft:     #8b8892;
  --border:        #eae7e0;
  --border-strong: #d8d3ca;

  --accent:        #2563eb;
  --accent-strong: #1d4ed8;
  --accent-soft:   #e7efff;
  --accent-b:      #0d9488;
  --accent-b-soft: #d7f2ee;
  --accent-c:      #ea580c;
  --accent-c-soft: #fde6d6;

  --winner:        #059669;
  --winner-soft:   #e5f6ed;
  --danger:        #d1435b;
  --danger-soft:   #fbe7eb;

  --chart-axis:    #b9b5ac;
  --chart-grid:    #ece8e0;
  --chart-text:    #56545f;

  --shadow-sm:  0 1px 2px rgba(16,24,40,.04), 0 1px 3px rgba(16,24,40,.05);
  --shadow-md:  0 2px 4px rgba(16,24,40,.04), 0 12px 28px -8px rgba(16,24,40,.12);
  --shadow-lg:  0 24px 60px -18px rgba(16,24,40,.22);
  --ring:       0 0 0 4px var(--accent-soft);

  --radius-xs: 6px;
  --radius-sm: 9px;
  --radius-md: 13px;
  --radius-lg: 18px;
  --radius-xl: 24px;

  --gutter: clamp(1rem, 2.6vw, 2.25rem);
  --container: 1140px;

  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, Roboto, Helvetica, Arial, sans-serif;
  --display: "Manrope", "Inter", -apple-system, "Segoe UI", system-ui, sans-serif;

  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg:            #101116;
    --bg-halo:       #17203a;
    --surface:       #191b22;
    --surface-2:     #21242c;
    --surface-sink:  #14161c;
    --text:          #f0eff2;
    --text-muted:    #b4b1bb;
    --text-soft:     #83808b;
    --border:        #2a2d36;
    --border-strong: #3b3f4a;
    --accent:        #4a82f5;
    --accent-strong: #6a9bff;
    --accent-soft:   #1b2c50;
    --accent-b-soft: #0f2f2b;
    --accent-c-soft: #3a2113;
    --winner-soft:   #0f3325;
    --danger-soft:   #3a1620;
    --chart-grid:    #282b33;
    --chart-text:    #b4b1bb;
    --shadow-md:  0 2px 4px rgba(0,0,0,.3), 0 14px 30px -8px rgba(0,0,0,.5);
    --shadow-lg:  0 24px 60px -18px rgba(0,0,0,.6);
  }
}
:root[data-theme="dark"] {
  --bg:            #101116;
  --bg-halo:       #17203a;
  --surface:       #191b22;
  --surface-2:     #21242c;
  --surface-sink:  #14161c;
  --text:          #f0eff2;
  --text-muted:    #b4b1bb;
  --text-soft:     #83808b;
  --border:        #2a2d36;
  --border-strong: #3b3f4a;
  --accent:        #4a82f5;
  --accent-strong: #6a9bff;
  --accent-soft:   #1b2c50;
  --accent-b-soft: #0f2f2b;
  --accent-c-soft: #3a2113;
  --winner-soft:   #0f3325;
  --danger-soft:   #3a1620;
  --chart-grid:    #282b33;
  --chart-text:    #b4b1bb;
}

/* -------- 3. Reset ------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; }
html {
  -webkit-text-size-adjust: 100%;
  tab-size: 2;
  scroll-behavior: smooth;
  overflow-x: clip;
}
body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.55;
  color: var(--text);
  background: var(--bg);
  background-image:
    radial-gradient(1200px 520px at 50% -280px, var(--bg-halo), transparent 70%);
  background-repeat: no-repeat;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}
img, svg, canvas { display: block; max-width: 100%; }
button { font: inherit; color: inherit; cursor: pointer; border: 0; background: none; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
p { text-wrap: pretty; }
h1, h2, h3, h4 { text-wrap: balance; line-height: 1.12; letter-spacing: -0.02em; color: var(--text); font-family: var(--display); }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; border-radius: 4px; }

.skip-link {
  position: fixed; top: -100px; left: 1rem;
  padding: .55rem 1rem; background: var(--surface); color: var(--text);
  z-index: 9999; border-radius: 8px; font-weight: 600;
  box-shadow: var(--shadow-md);
}
.skip-link:focus { top: 1rem; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
/* Author display rules (flex/grid) must not override the hidden attribute. */
[hidden] { display: none !important; }

/* -------- 4. Layout ----------------------------------------------------- */
.container { max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
section { padding-block: clamp(2rem, 4vw, 3.5rem); }

/* -------- 5. Header ----------------------------------------------------- */
.site-header {
  padding-block: .9rem;
  border-bottom: 1px solid var(--border);
  background: var(--bg);
  background: color-mix(in srgb, var(--bg) 82%, transparent);
  position: sticky; top: 0; z-index: 20;
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  backdrop-filter: saturate(180%) blur(10px);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand {
  display: inline-flex; align-items: center; gap: .6rem;
  font-family: var(--display); font-weight: 800; letter-spacing: -0.03em; color: var(--text);
  font-size: 1.2rem;
}
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 28px; height: 28px; border-radius: 8px;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-b) 100%);
  box-shadow: 0 2px 8px -1px color-mix(in srgb, var(--accent) 55%, transparent);
  position: relative;
}
.brand-mark::after {
  content: ""; position: absolute; inset: 0; border-radius: 8px;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.35);
}
.site-header-nav { display: flex; align-items: center; gap: .8rem; }
.lang-switch {
  padding: .4rem .8rem; border-radius: 999px;
  border: 1px solid var(--border-strong); color: var(--text-muted);
  font-size: .9rem; font-weight: 500;
  transition: all .18s var(--ease-out);
}
.lang-switch:hover { color: var(--text); border-color: var(--text-soft); background: var(--surface); text-decoration: none; }

/* -------- 6. Hero ------------------------------------------------------- */
.hero { padding-block: clamp(1.8rem, 3.5vw, 3rem) clamp(1rem, 2vw, 1.5rem); text-align: center; }
.hero-title {
  font-family: var(--display);
  font-size: clamp(2rem, 4.6vw, 3.1rem);
  font-weight: 800; letter-spacing: -0.035em; line-height: 1.04;
  margin-inline: auto; max-width: 20ch;
  color: var(--text);
}
@supports ((-webkit-background-clip: text) or (background-clip: text)) {
  .hero-title {
    background: linear-gradient(180deg, var(--text) 30%, color-mix(in srgb, var(--text) 72%, var(--accent)) 100%);
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent;
  }
}
.hero-subtitle {
  color: var(--text-muted);
  font-size: clamp(1.02rem, 1.4vw, 1.2rem);
  max-width: 60ch; margin: .8rem auto 0;
  line-height: 1.55;
}

/* -------- 7. Tool card -------------------------------------------------- */
.tool { padding-top: .5rem; padding-bottom: 2rem; }
.tool-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: clamp(1rem, 2.2vw, 1.8rem);
}
.scenarios { display: grid; gap: 1rem; grid-template-columns: 1fr; align-items: stretch; }
@media (min-width: 960px) {
  .scenarios { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
}
@media (min-width: 1100px) {
  .scenarios:has([data-scenario="C"]:not([hidden])) {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}
@media (max-width: 1099px) {
  .scenarios:has([data-scenario="C"]:not([hidden])) {
    grid-template-columns: 1fr;
  }
}
.scenario {
  --sc: var(--accent);
  --sc-soft: var(--accent-soft);
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.1rem;
  display: flex; flex-direction: column; gap: .95rem;
  position: relative; min-width: 0;
  height: 100%;
}
.scenario::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px;
  background: var(--sc);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.scenario[data-scenario="B"] { --sc: var(--accent-b); --sc-soft: var(--accent-b-soft); }
.scenario[data-scenario="C"] { --sc: var(--accent-c); --sc-soft: var(--accent-c-soft); }
.scenario-head {
  display: flex; align-items: center; justify-content: space-between; gap: .55rem;
  min-height: 32px;
}
.scenario-title {
  font-family: var(--display);
  font-size: 1.02rem; font-weight: 700; letter-spacing: -0.01em;
  display: inline-flex; align-items: center; gap: .55rem;
  min-width: 0;
}
.scenario-dot {
  width: 10px; height: 10px; border-radius: 50%; flex: 0 0 auto;
  background: var(--sc); box-shadow: 0 0 0 3px var(--sc-soft);
}
.btn-remove {
  flex: 0 0 auto; white-space: nowrap;
  display: inline-flex; align-items: center; gap: .28rem;
  height: 32px; padding: 0 .75rem;
  border-radius: 999px;
  color: var(--text-muted); font-size: .78rem; font-weight: 600;
  background: var(--surface);
  border: 1px solid var(--border-strong);
  transition: color .15s var(--ease-out), background .15s var(--ease-out), border-color .15s var(--ease-out);
}
.btn-remove::before {
  content: "\00d7";
  font-size: 1.15em; font-weight: 700; line-height: 1;
  transform: translateY(-.04em);
}
.btn-remove:hover,
.btn-remove:focus-visible {
  color: var(--danger);
  background: var(--danger-soft);
  border-color: color-mix(in srgb, var(--danger) 38%, var(--border-strong));
  text-decoration: none;
}

.scenario-slot {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  gap: .7rem;
  width: 100%; height: 100%;
  min-height: 220px;
  padding: 1.4rem 1.15rem;
  border: 1.5px dashed var(--border-strong);
  border-radius: var(--radius-lg);
  background: color-mix(in srgb, var(--surface-2) 55%, transparent);
  color: var(--text-muted);
  text-align: center;
  font-family: var(--display);
  font-weight: 700; font-size: .95rem;
  letter-spacing: -0.01em;
  line-height: 1.3;
  transition: border-color .18s var(--ease-out), color .18s var(--ease-out), background .18s var(--ease-out), transform .18s var(--ease-out);
}
.scenario-slot:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: var(--accent-soft);
  transform: translateY(-1px);
  text-decoration: none;
}
.scenario-slot-plus {
  width: 44px; height: 44px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.55rem; font-weight: 500; line-height: 1;
  background: var(--surface);
  border: 1px solid var(--border-strong);
  color: inherit;
  box-shadow: var(--shadow-sm);
}
@media (max-width: 959px) {
  .scenario-slot { min-height: 148px; }
}

/* -------- 8. Forms ------------------------------------------------------ */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; align-items: end; }
.form-grid > * { min-width: 0; }
.field { display: flex; flex-direction: column; gap: .32rem; min-width: 0; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-size: .8rem; color: var(--text-muted); font-weight: 500; letter-spacing: .01em;
  line-height: 1.3;
}
.form-grid > .field:not(.field--full) label {
  min-height: 2.6em;
  display: flex;
  align-items: flex-end;
}

.scenario input[type="number"],
.scenario input[type="text"],
.scenario select {
  width: 100%; min-width: 0; max-width: 100%;
  height: 40px; padding: 0 .7rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-strong);
  background: var(--surface);
  color: var(--text);
  font: inherit; font-variant-numeric: tabular-nums;
  transition: border-color .15s var(--ease-out), box-shadow .15s var(--ease-out);
}
.scenario input::placeholder { color: var(--text-soft); }
.scenario input[type="number"] {
  -moz-appearance: textfield;
  appearance: textfield;
}
.scenario input[type="number"]::-webkit-outer-spin-button,
.scenario input[type="number"]::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.scenario select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%238b8892' d='M1.4 1.2L6 5.8 10.6 1.2'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right .7rem center;
  background-size: 12px 8px;
  padding-right: 2rem;
}
.scenario input:focus,
.scenario select:focus { outline: none; border-color: var(--accent); box-shadow: var(--ring); }
.scenario input:hover:not(:focus),
.scenario select:hover:not(:focus) { border-color: var(--text-soft); }

.scenario form { display: flex; flex-direction: column; flex: 1 1 auto; }
.form-grid + .details-block { margin-top: .75rem; }
.details-block + .details-block { margin-top: .5rem; }

.extras-group + .extras-group {
  padding-top: .75rem;
  border-top: 1px solid var(--border);
}
.details-body .form-grid { gap: .55rem; }

.details-block {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
  transition: border-color .15s var(--ease-out);
}
.details-block[open] { border-color: var(--border-strong); }
.details-block > summary {
  padding: .55rem .8rem; cursor: pointer;
  font-size: .82rem; font-weight: 500; color: var(--text-muted);
  line-height: 1.3;
  list-style: none; user-select: none;
  display: flex; align-items: center; justify-content: space-between; gap: .4rem;
  min-width: 0;
}
.details-block > summary::-webkit-details-marker { display: none; }
.details-block > summary::after {
  content: "›"; font-size: 1.1em; line-height: 1; color: var(--text-soft);
  flex: 0 0 auto;
  transition: transform .2s var(--ease-out);
}
.details-block[open] > summary::after { transform: rotate(90deg); }
.details-body {
  padding: .8rem .85rem .95rem; border-top: 1px solid var(--border);
  display: flex; flex-direction: column; gap: .75rem;
  min-width: 0;
}
.checkbox-row {
  display: flex; align-items: flex-start; gap: .55rem; padding: .15rem 0 0;
  font-size: .82rem; color: var(--text-muted); cursor: pointer; line-height: 1.35;
}
.checkbox-row input[type="checkbox"] { width: 18px; height: 18px; margin-top: .1rem; accent-color: var(--accent); flex: 0 0 auto; }

/* -------- 9. Results (numbers as heroes) -------------------------------- */
.results {
  margin-top: auto; padding: .9rem; border-radius: var(--radius-md);
  background: var(--surface); border: 1px solid var(--border);
  min-height: 17.5rem;
  display: flex; flex-direction: column;
}
.result-rows { display: flex; flex-direction: column; gap: .1rem; }
.result-rows .row {
  display: flex; justify-content: space-between; align-items: baseline; gap: .8rem;
  padding: .4rem 0; border-bottom: 1px solid var(--border);
}
.result-rows .row:last-child { border-bottom: 0; }
.result-rows dt { color: var(--text-muted); font-size: .86rem; display: flex; flex-direction: column; }
.result-rows .row-help { color: var(--text-soft); font-size: .72rem; margin-top: .12rem; font-weight: 400; }
.result-rows dd { font-variant-numeric: tabular-nums; font-weight: 600; color: var(--text); }
.result-rows .row--primary { padding: .5rem 0; }
.result-rows .row--primary dt { color: var(--text); font-weight: 500; font-size: .9rem; }
.result-rows .row--primary dd {
  font-family: var(--display);
  font-size: 1.25rem; font-weight: 800; letter-spacing: -0.02em;
  color: var(--text);
}
.result-rows .row--highlight {
  background: var(--winner-soft); border-radius: var(--radius-xs);
  padding: .45rem .6rem; margin: .15rem -0.35rem; border-bottom: 0;
}
.result-rows .row--highlight dt { color: color-mix(in srgb, var(--winner) 70%, var(--text)); }
.result-rows .row--highlight dd { color: var(--winner); font-weight: 800; font-family: var(--display); }

.results-error {
  color: var(--danger); font-size: .9rem; padding: .7rem .8rem;
  background: var(--danger-soft); border-radius: var(--radius-sm);
}
.results-idle {
  color: var(--text-soft);
  font-size: .88rem;
  text-align: center;
  line-height: 1.45;
  padding: 1.15rem .85rem;
  flex: 1;
  display: flex; align-items: center; justify-content: center;
}

/* -------- 10. Comparison ------------------------------------------------ */
.comparison {
  margin-top: 1.4rem; padding: 1.3rem; border-radius: var(--radius-lg);
  background: linear-gradient(180deg, var(--surface-2), var(--surface));
  border: 1px solid var(--border);
}
.comp-title { font-family: var(--display); font-size: 1.15rem; font-weight: 700; margin-bottom: .8rem; text-align: center; }
.comp-table-scroll { overflow-x: auto; border-radius: var(--radius-sm); }
.comp-table { width: 100%; table-layout: fixed; border-collapse: collapse; font-size: .92rem; min-width: 380px; }
.comp-table th, .comp-table td {
  padding: .6rem .7rem; border-bottom: 1px solid var(--border);
  text-align: right; font-variant-numeric: tabular-nums;
}
.comp-table th[scope="row"] { text-align: left; color: var(--text-muted); font-weight: 500; }
.comp-table thead th { text-align: right; color: var(--text-muted); font-weight: 600; font-family: var(--display); border-bottom-width: 2px; }
.comp-table thead th:first-child { text-align: left; }
.comp-table .row--primary td, .comp-table .row--primary th { font-weight: 700; font-size: 1rem; }
.comp-table .row--primary td { font-family: var(--display); }
.cell--winner { background: var(--winner-soft); color: var(--winner); font-weight: 700; }
.comp-table thead .cell--winner { color: var(--winner); }

.comp-winner { margin-top: 1rem; display: flex; flex-wrap: wrap; align-items: center; gap: .7rem; justify-content: center; text-align: center; }
.pill--winner {
  background: var(--winner); color: #fff;
  padding: .4rem .9rem; border-radius: 999px;
  font-size: .88rem; font-weight: 700; font-family: var(--display);
  box-shadow: 0 4px 12px -3px color-mix(in srgb, var(--winner) 55%, transparent);
}
.comp-winner-gap { color: var(--text-muted); font-size: .92rem; }
.comp-caveat { margin-top: .7rem; color: var(--text-soft); font-size: .82rem; text-align: center; max-width: 60ch; margin-inline: auto; }

.add-scenario { margin-top: 1.1rem; display: flex; gap: .6rem; flex-wrap: wrap; justify-content: center; }

/* Buttons */
.btn {
  padding: .6rem 1.15rem; border-radius: 999px;
  font-weight: 600; font-size: .92rem; cursor: pointer;
  transition: all .16s var(--ease-out);
  border: 1px solid transparent;
  display: inline-flex; align-items: center; gap: .4rem;
}
.btn--primary { background: var(--accent); color: #fff; box-shadow: 0 4px 12px -3px color-mix(in srgb, var(--accent) 50%, transparent); }
.btn--primary:hover { background: var(--accent-strong); transform: translateY(-1px); }
.btn--ghost { background: var(--surface); border-color: var(--border-strong); color: var(--text-muted); }
.btn--ghost:hover { color: var(--text); border-color: var(--text-soft); }

/* -------- 11. Chart ----------------------------------------------------- */
.chart-wrap {
  margin-top: 1.4rem; padding: 1.2rem;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg);
}
.chart-title { font-family: var(--display); font-size: .95rem; font-weight: 700; margin-bottom: .6rem; color: var(--text-muted); }
canvas.chart { width: 100%; height: 300px; display: block; }

/* -------- 12. Amortization table --------------------------------------- */
.amort { margin-top: 1.4rem; }
.amort > summary {
  cursor: pointer; padding: .65rem .9rem;
  border: 1px solid var(--border); border-radius: var(--radius-sm);
  background: var(--surface);
  font-size: .95rem; color: var(--text-muted); font-weight: 600; font-family: var(--display);
  list-style: none;
  display: flex; align-items: center; gap: .5rem;
}
.amort > summary::-webkit-details-marker { display: none; }
.amort > summary::before { content: "▸"; color: var(--text-soft); transition: transform .2s var(--ease-out); }
.amort[open] > summary::before { transform: rotate(90deg); }
.amort[open] > summary { border-bottom-left-radius: 0; border-bottom-right-radius: 0; }
.amort-body {
  border: 1px solid var(--border); border-top: none;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  background: var(--surface); padding: 1rem; overflow-x: auto;
}
.amort-table { width: 100%; border-collapse: collapse; font-size: .87rem; font-variant-numeric: tabular-nums; min-width: 420px; }
.amort-table th, .amort-table td { padding: .48rem .65rem; border-bottom: 1px solid var(--border); text-align: right; }
.amort-table thead th { background: var(--surface-2); color: var(--text-muted); font-weight: 600; position: sticky; top: 0; }
.amort-table tbody tr:hover td { background: var(--surface-2); }
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-controls { margin-top: .9rem; display: flex; gap: .5rem; flex-wrap: wrap; }

/* -------- 13. Ad slots -------------------------------------------------- */
.ad-slot {
  margin-block: 2rem; padding: 1rem; min-height: 90px;
  display: flex; align-items: center; justify-content: center;
  border: 1px dashed var(--border-strong); border-radius: var(--radius-md);
  color: var(--text-soft); font-size: .78rem; letter-spacing: .08em; text-transform: uppercase;
  background: var(--surface-2);
}
.ad-slot--in-content { min-height: 250px; }

/* -------- 14. Content --------------------------------------------------- */
.how { display: grid; gap: 1rem; grid-template-columns: 1fr; margin-top: 1rem; }
@media (min-width: 720px) { .how { grid-template-columns: repeat(3, 1fr); } }
.how-step {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 1.3rem;
  transition: transform .18s var(--ease-out), box-shadow .18s var(--ease-out);
}
.how-step:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.how-step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 11px;
  background: linear-gradient(135deg, var(--accent-soft), color-mix(in srgb, var(--accent-soft) 60%, var(--surface)));
  color: var(--accent-strong); font-family: var(--display);
  font-weight: 800; font-size: 1.05rem; margin-bottom: .7rem;
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--accent) 18%, transparent);
}
.how-step h3 { font-size: 1.05rem; margin-bottom: .35rem; }
.how-step p { color: var(--text-muted); font-size: .92rem; }

.seo-body { padding-block: 1.5rem; max-width: 760px; margin-inline: auto; }
.seo-body h2 {
  font-family: var(--display); font-size: clamp(1.35rem, 2.2vw, 1.6rem);
  font-weight: 700; margin-top: 2rem; margin-bottom: .7rem; text-align: center;
}
.seo-body h2:first-child { margin-top: 0; }
.seo-body p { color: var(--text-muted); margin-bottom: 1rem; max-width: none; font-size: 1.04rem; line-height: 1.7; }
.seo-body strong { color: var(--text); font-weight: 600; }
.seo-body em { color: var(--text); font-style: italic; }
.seo-body--center,
.seo-body--center p { text-align: center; }

.faq { margin-top: 1.5rem; max-width: 760px; margin-inline: auto; }
.faq h2 { font-family: var(--display); margin-bottom: 1rem; text-align: center; font-size: clamp(1.35rem, 2.2vw, 1.6rem); }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-md); margin-bottom: .6rem; background: var(--surface); overflow: hidden; transition: border-color .15s var(--ease-out); }
.faq-item[open] { border-color: var(--border-strong); }
.faq-item summary {
  cursor: pointer; padding: .95rem 1.1rem; font-weight: 600; color: var(--text);
  list-style: none; display: flex; align-items: center; gap: .7rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::before {
  content: "+"; display: inline-flex; align-items: center; justify-content: center;
  width: 1.4em; height: 1.4em; flex: 0 0 auto; border-radius: 50%;
  background: var(--accent-soft); color: var(--accent-strong); font-weight: 700;
  transition: transform .2s var(--ease-out);
}
.faq-item[open] summary::before { content: "\2212"; transform: rotate(180deg); }
.faq-a { padding: 0 1.1rem 1rem 1.1rem; color: var(--text-muted); }

.privacy-badge {
  margin-top: 1rem;
  text-align: center;
  color: var(--text-soft);
  font-size: .82rem;
  line-height: 1.45;
}

/* -------- 15. Footer ---------------------------------------------------- */
.site-footer {
  border-top: 1px solid var(--border); padding-block: 2rem; margin-top: 3rem;
  background: var(--surface); color: var(--text-muted); font-size: .88rem;
}
.site-footer .container { display: flex; flex-wrap: wrap; gap: 1rem 1.5rem; justify-content: space-between; align-items: center; }
.site-footer a { color: var(--text-muted); }
.site-footer a:hover { color: var(--text); }
.footer-nav { display: flex; flex-wrap: wrap; gap: 1.2rem; }

/* -------- 16. Responsive ------------------------------------------------ */
@media (max-width: 539px) {
  .form-grid { grid-template-columns: 1fr; }
  .site-header-nav { gap: .5rem; }
  .hero-title { font-size: clamp(1.7rem, 8vw, 2.1rem); }
  .tool-card { padding: 1rem; border-radius: var(--radius-lg); }
}

/* -------- 17. Reduced motion ------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .how-step:hover, .btn--primary:hover, .scenario-slot:hover { transform: none; }
}

/* -------- 18. Print ---------------------------------------------------- */
@media print {
  .site-header, .site-footer, .ad-slot, .chart-wrap, .add-scenario, .scenario-slot,
  .btn-remove, .amort-controls, form { display: none !important; }
  body { background: #fff; color: #000; }
  .amort, .amort[open] > summary { display: block; }
  .amort > summary { display: none; }
  .amort-body { border: 0; padding: 0; }
  .amort-table { font-size: .8rem; }
  .amort-table thead th { position: static; background: transparent; }
  a { color: #000; text-decoration: none; }
  .comp-table { break-inside: avoid; }
}