:root {
  --gold: #c9a84c;
  --gold-h: #d4b86a;
  --bg: #0c0b09;
  --surface: #131210;
  --surface-2: #1a1815;
  --border: rgba(255, 255, 255, 0.08);
  --text: #ebe7de;
  --text-2: #a8a49a;
  --accent: #7a9ec4;
  --danger: #e07070;
  --radius: 12px;
  --shadow: 0 12px 40px rgba(0, 0, 0, 0.35);
  --font: "Segoe UI", system-ui, -apple-system, sans-serif;
  --mono: "Cascadia Code", "Consolas", monospace;
}

html[data-theme="light"] {
  --bg: #f4f1ea;
  --surface: #ffffff;
  --surface-2: #f8f6f1;
  --border: rgba(12, 11, 9, 0.1);
  --text: #1a1815;
  --text-2: #5c5850;
  --shadow: 0 12px 32px rgba(12, 11, 9, 0.08);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
}

a {
  color: var(--gold);
}

.container {
  width: min(1120px, calc(100% - 2rem));
  margin-inline: auto;
}

.calc-header {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(10px);
  background: color-mix(in srgb, var(--bg) 88%, transparent);
  border-bottom: 1px solid var(--border);
}

.calc-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 0;
}

.brand {
  font-weight: 700;
  letter-spacing: 0.04em;
  text-decoration: none;
  color: var(--text);
}

.brand span {
  color: var(--gold);
}

.btn {
  appearance: none;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 0.7rem 1.2rem;
  font: inherit;
  font-weight: 600;
  cursor: pointer;
  transition: 0.2s ease;
}

.btn--primary {
  background: var(--gold);
  color: #0c0b09;
}

.btn--primary:hover {
  background: var(--gold-h);
}

.btn--ghost {
  background: transparent;
  border-color: var(--border);
  color: var(--text);
}

.btn--ghost:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.hero {
  padding: 3.5rem 0 2.5rem;
}

.hero__eyebrow {
  color: var(--gold);
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 0 0 0.75rem;
}

.hero h1 {
  margin: 0 0 1rem;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  line-height: 1.15;
  max-width: 18ch;
}

.hero__lead {
  margin: 0;
  color: var(--text-2);
  max-width: 58ch;
  font-size: 1.05rem;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

.section {
  padding: 2.5rem 0;
}

.section__title {
  margin: 0 0 0.35rem;
  font-size: 1.5rem;
}

.section__subtitle {
  margin: 0 0 1.5rem;
  color: var(--text-2);
}

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

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem 1.25rem;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.field label {
  font-size: 0.92rem;
  font-weight: 600;
}

.field input,
.field select {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface-2);
  color: var(--text);
  padding: 0.75rem 0.9rem;
  font: inherit;
}

.field input:focus,
.field select:focus {
  outline: 2px solid color-mix(in srgb, var(--gold) 45%, transparent);
  border-color: var(--gold);
}

.field small {
  color: var(--text-2);
  font-size: 0.8rem;
}

.field-error {
  min-height: 1rem;
  color: var(--danger);
  font-size: 0.8rem;
}

.form-actions {
  grid-column: 1 / -1;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
  margin-top: 0.25rem;
}

.scenarios {
  margin-top: 1.25rem;
}

.scenarios__label {
  margin: 0 0 0.6rem;
  color: var(--text-2);
  font-size: 0.9rem;
}

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

.chip-btn {
  border: 1px solid var(--border);
  background: var(--surface-2);
  color: var(--text);
  border-radius: 999px;
  padding: 0.45rem 0.85rem;
  font: inherit;
  font-size: 0.85rem;
  cursor: pointer;
}

.chip-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}

.summary-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 1.1rem;
}

.summary-card h3 {
  margin: 0;
  font-size: 0.85rem;
  color: var(--text-2);
  font-weight: 500;
}

.summary-card__value {
  margin: 0.45rem 0 0;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--gold);
}

.summary-card__hint {
  margin: 0.35rem 0 0;
  font-size: 0.78rem;
  color: var(--text-2);
}

.chart-wrap {
  height: 360px;
  margin-top: 1rem;
}

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

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.86rem;
}

thead {
  background: var(--surface-2);
}

th,
td {
  padding: 0.65rem 0.75rem;
  border-bottom: 1px solid var(--border);
  text-align: right;
  white-space: nowrap;
}

th:first-child,
td:first-child,
th:nth-child(2),
td:nth-child(2) {
  text-align: left;
}

tbody tr:hover {
  background: color-mix(in srgb, var(--gold) 6%, transparent);
}

tr.is-period-end {
  background: color-mix(in srgb, var(--gold) 10%, transparent);
}

tr.is-accumulation {
  opacity: 0.72;
}

.insights {
  margin-top: 1.25rem;
}

.insights h3 {
  margin: 0 0 0.75rem;
  font-size: 1rem;
}

.insights ul {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--text-2);
}

.insights li + li {
  margin-top: 0.35rem;
}

.form-grid--wide {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

@media (max-width: 960px) {
  .form-grid--wide {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.table-toolbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-bottom: 0.75rem;
}

.table-toolbar select {
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface-2);
  color: var(--text);
  padding: 0.45rem 0.65rem;
  font: inherit;
}

.formula-grid {
  display: grid;
  gap: 0.75rem;
}

.formula-item {
  padding: 0.9rem 1rem;
  border-radius: 10px;
  background: var(--surface-2);
  border: 1px solid var(--border);
}

.formula-item code {
  font-family: var(--mono);
  color: var(--gold);
  font-size: 0.9rem;
}

.faq details {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface);
  padding: 0.85rem 1rem;
}

.faq details + details {
  margin-top: 0.6rem;
}

.faq summary {
  cursor: pointer;
  font-weight: 600;
}

.faq p {
  margin: 0.6rem 0 0;
  color: var(--text-2);
}

.calc-footer {
  padding: 2rem 0 3rem;
  color: var(--text-2);
  font-size: 0.9rem;
  border-top: 1px solid var(--border);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

@media (max-width: 760px) {
  .form-grid,
  .form-grid--wide {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    max-width: none;
  }

  .chart-wrap {
    height: 280px;
  }

  th,
  td {
    font-size: 0.78rem;
    padding: 0.5rem;
  }
}

/* Mode tabs */
.mode-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
  flex-wrap: wrap;
}

.mode-tab {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.5rem 1rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  cursor: pointer;
  font-size: 0.9rem;
}

.mode-tab:has(input:checked) {
  border-color: var(--gold);
  background: color-mix(in srgb, var(--gold) 12%, transparent);
}

.mode-tab input {
  accent-color: var(--gold);
}

/* Range sliders */
.field--range input[type="range"] {
  width: 100%;
  accent-color: var(--gold);
}

.field--check label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  cursor: pointer;
}

/* Sticky results bar */
.sticky-bar {
  position: sticky;
  top: 52px;
  z-index: 15;
  background: color-mix(in srgb, var(--surface) 95%, transparent);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(8px);
}

.sticky-bar__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
  padding: 0.55rem 0;
  font-size: 0.85rem;
  color: var(--text-2);
}

.sticky-bar strong {
  color: var(--gold);
}

/* Export */
.export-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.25rem;
}

.share-card {
  margin-top: 1rem;
  max-width: 360px;
  position: absolute;
  left: -9999px;
}

.share-card__brand {
  color: var(--gold);
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}

.share-card__title {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 1rem;
}

.share-card__row {
  display: flex;
  justify-content: space-between;
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}

.share-card__row strong {
  color: var(--gold);
}

.share-card__fi {
  margin-top: 0.75rem;
  color: #6db88a;
  font-weight: 600;
}

.share-card__foot {
  margin-top: 0.75rem;
  font-size: 0.8rem;
  color: var(--text-2);
}

tr.is-fi-year {
  outline: 2px solid #6db88a;
  outline-offset: -2px;
}

.tax-detail {
  font-size: 0.78rem;
  color: var(--text-2);
  max-width: 180px;
  white-space: normal;
  text-align: left !important;
}

.table-pct {
  font-size: 0.72rem;
  color: var(--text-2);
  font-weight: 500;
}

.col-invested {
  color: #7a9ec4;
}

.col-profit {
  color: #6db88a;
}

.col-capital {
  color: var(--gold);
  font-weight: 600;
}

.col-capital .table-pct {
  color: var(--text-2);
  font-weight: 500;
}

thead th:nth-child(n) {
  white-space: nowrap;
}

/* Print / PDF */
@media print {
  .calc-header,
  .sticky-bar,
  .hero,
  #calculator,
  .export-bar,
  .section--print-hide,
  .calc-footer,
  .faq {
    display: none !important;
  }

  body {
    background: #fff;
    color: #000;
  }

  .panel,
  .summary-card {
    box-shadow: none;
    border: 1px solid #ccc;
  }

  .summary-card__value {
    color: #000;
  }
}

/* Compare */
.compare-toolbar {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-top: 1.25rem;
  flex-wrap: wrap;
}

.compare-toolbar label {
  font-weight: 600;
}

.compare-toolbar select {
  border: 1px solid var(--border);
  border-radius: 8px;
  background: var(--surface-2);
  color: var(--text);
  padding: 0.45rem 0.65rem;
  font: inherit;
  min-width: 220px;
}

.compare-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1rem;
}

.compare-col {
  padding: 1rem;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--surface);
}

.compare-col h3 {
  margin: 0 0 0.75rem;
  font-size: 0.95rem;
  color: var(--gold);
}

.compare-col--alt h3 {
  color: var(--text-2);
}

.compare-row {
  display: flex;
  justify-content: space-between;
  gap: 0.5rem;
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

.compare-row strong.is-positive {
  color: #6db88a;
}

.compare-row strong.is-negative {
  color: #e07a5f;
}

/* Tax bars */
.tax-bar {
  display: flex;
  height: 10px;
  border-radius: 4px;
  overflow: hidden;
  background: var(--surface-2);
  min-width: 80px;
}

.tax-bar__seg {
  display: block;
  height: 100%;
}

.tax-bar__legend {
  display: block;
  font-size: 0.72rem;
  color: var(--text-2);
  margin-top: 0.2rem;
}

.tax-year-row {
  display: grid;
  grid-template-columns: 72px 1fr 100px;
  gap: 0.75rem;
  align-items: center;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--border);
}

.tax-year-row__label {
  font-weight: 600;
  font-size: 0.85rem;
}

.tax-year-row__sum {
  text-align: right;
  font-size: 0.85rem;
  color: var(--text-2);
}

.chart-subtitle {
  margin: 0 0 0.75rem;
  font-size: 1rem;
}

.chart-wrap--short {
  height: 180px;
}

/* Version picker & nav */
.calc-nav {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.85rem;
}

.calc-nav__link {
  color: var(--text-2);
  text-decoration: none;
}

.calc-nav__link:hover {
  color: var(--gold);
}

.calc-nav__current {
  color: var(--gold);
  font-weight: 600;
}

.picker {
  padding: 3rem 0 4rem;
}

.picker__title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  margin: 0 0 0.75rem;
}

.picker__lead {
  color: var(--text-2);
  max-width: 640px;
  margin-bottom: 2rem;
}

.picker-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.25rem;
}

.picker-grid--3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.bond-results {
  display: grid;
  gap: 1.25rem;
}

.bond-results__block h3 {
  margin: 0 0 0.75rem;
  font-size: 1rem;
  color: var(--gold);
}

.picker-card {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  padding: 1.5rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  text-decoration: none;
  color: inherit;
  transition: border-color 0.2s, transform 0.2s;
}

.picker-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.picker-card--featured {
  border-color: color-mix(in srgb, var(--gold) 40%, var(--border));
  background: color-mix(in srgb, var(--gold) 6%, var(--surface));
}

.picker-card__tag {
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}

.picker-card h2 {
  margin: 0;
  font-size: 1.35rem;
}

.picker-card p {
  margin: 0;
  color: var(--text-2);
  flex: 1;
}

.picker-card__cta {
  color: var(--gold);
  font-weight: 600;
  margin-top: 0.5rem;
}

@media (max-width: 760px) {
  .calc-nav {
    display: none;
  }

  .picker-grid,
  .picker-grid--3 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .compare-grid {
    grid-template-columns: 1fr;
  }

  .tax-year-row {
    grid-template-columns: 1fr;
    gap: 0.35rem;
  }

  .tax-year-row__sum {
    text-align: left;
  }
}