:root {
  --bg: #f7f2ea;
  --panel: rgba(255, 252, 247, 0.92);
  --panel-strong: #fffaf3;
  --ink: #14213d;
  --muted: #5d6b82;
  --line: rgba(20, 33, 61, 0.12);
  --accent: #c56a2d;
  --accent-deep: #8e4415;
  --green: #1d6b52;
  --blue: #355c7d;
  --rose: #c84d6d;
  --gold: #d3a62c;
  --peach: #f3b59c;
  --peach-deep: #e89172;
  --salmon: #ff6b61;
  --salmon-deep: #df4f45;
  --lilac: #b6c4ff;
  --lilac-deep: #8294ef;
  --graph-interest: var(--lilac);
  --graph-principal: var(--peach);
  font-family: 'Space Grotesk', 'Segoe UI', sans-serif;
  color: var(--ink);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  min-height: 100vh;
  background:
    radial-gradient(circle at top left, rgba(197, 106, 45, 0.22), transparent 30%),
    radial-gradient(circle at 85% 18%, rgba(58, 110, 165, 0.18), transparent 24%),
    linear-gradient(160deg, #f8efe2 0%, #f5f2eb 45%, #ecf1f8 100%);
}

body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(20, 33, 61, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(20, 33, 61, 0.025) 1px, transparent 1px);
  background-size: 28px 28px;
  mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.9), transparent 85%);
}

.app {
  width: min(1180px, calc(100% - 2rem));
  margin: 0 auto;
  padding: 2rem 0 3rem;
}

.hero {
  padding: 2rem;
}

.eyebrow {
  margin: 0 0 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  color: var(--accent-deep);
  font-weight: 700;
}

h1,
h2,
h3 {
  margin: 0;
  font-weight: 700;
  line-height: 0.95;
}

h1 {
  max-width: 11ch;
  font-family: 'Instrument Serif', Georgia, serif;
  font-size: clamp(3rem, 8vw, 5.7rem);
  letter-spacing: -0.04em;
}

h2 {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
}

h3 {
  font-size: 1.15rem;
}

.subtitle {
  margin: 0.75rem 0 0;
  max-width: 58ch;
  color: var(--muted);
  line-height: 1.5;
}

.layout {
  display: grid;
  grid-template-columns: minmax(300px, 420px) minmax(0, 1fr);
  gap: 1rem;
}

.panel {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: 0 18px 48px rgba(20, 33, 61, 0.08);
  backdrop-filter: blur(10px);
}

.form-panel,
.results-panel,
.extra-payments-panel,
.insights-panel {
  padding: 1.35rem;
}

.section-heading {
  margin-bottom: 1rem;
}

.section-heading.compact {
  margin-bottom: 0.8rem;
}

.field-grid,
.stat-grid,
.milestone-grid {
  display: grid;
  gap: 0.9rem;
}

.field-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field-wide {
  grid-column: 1 / -1;
}

.field {
  display: grid;
  gap: 0.4rem;
}

.field span,
.label,
.meta,
th {
  color: var(--muted);
}

.field input {
  width: 100%;
  border: 1px solid rgba(20, 33, 61, 0.16);
  background: var(--panel-strong);
  color: var(--ink);
  border-radius: 18px;
  padding: 0.95rem 1rem;
  font: inherit;
  font-size: 1rem;
  transition: border-color 180ms ease, transform 180ms ease, box-shadow 180ms ease;
}

.field select {
  width: 100%;
  border: 1px solid rgba(20, 33, 61, 0.16);
  background: var(--panel-strong);
  color: var(--ink);
  border-radius: 18px;
  padding: 0.95rem 1rem;
  font: inherit;
  font-size: 1rem;
  transition: border-color 180ms ease, transform 180ms ease, box-shadow 180ms ease;
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: rgba(197, 106, 45, 0.7);
  box-shadow: 0 0 0 4px rgba(197, 106, 45, 0.12);
  transform: translateY(-1px);
}

.toggle-group {
  display: inline-grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.35rem;
  padding: 0.35rem;
  border: 1px solid rgba(20, 33, 61, 0.12);
  background: rgba(20, 33, 61, 0.04);
  border-radius: 18px;
}

.toggle-option {
  position: relative;
  cursor: pointer;
}

.toggle-option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.toggle-option span {
  display: block;
  border-radius: 14px;
  padding: 0.8rem 1rem;
  text-align: center;
  color: var(--muted);
  font-weight: 700;
  transition: background 180ms ease, color 180ms ease, box-shadow 180ms ease;
}

.toggle-option input:checked + span {
  background: rgba(182, 196, 255, 0.32);
  color: #3854a6;
  box-shadow: inset 0 0 0 1px rgba(130, 148, 239, 0.28);
}

.arm-fields {
  margin-top: 0.9rem;
}

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

.extra-payments-panel {
  margin-top: 1rem;
}

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

.extra-panel-block {
  margin-top: 0;
  border-top: 0;
  padding-top: 0;
}

.stat-card,
.milestone-card {
  background: var(--panel-strong);
  border: 1px solid rgba(20, 33, 61, 0.08);
  border-radius: 22px;
  padding: 1rem;
}

.stat-card strong,
.milestone-card strong {
  display: block;
  font-size: 1.55rem;
  margin-top: 0.3rem;
}

.highlight {
  background: linear-gradient(135deg, rgba(197, 106, 45, 0.16), rgba(255, 250, 243, 0.9));
  position: relative;
}

.meta {
  display: inline-block;
  margin-top: 0.4rem;
}

.loan-meta-row {
  display: grid;
  gap: 0.2rem;
  padding-right: 4.25rem;
}

.loan-meta-label {
  white-space: nowrap;
}

.loan-meta-value {
  color: var(--ink);
  font-weight: 700;
  font-size: 1.25rem;
}

.loan-meta-pill {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  background: rgba(20, 33, 61, 0.08);
  padding: 0.2rem 0.55rem;
  color: var(--ink);
  font-weight: 700;
}

.highlight .loan-meta-pill {
  position: absolute;
  right: 1rem;
  bottom: 1rem;
}

.breakdown-panel {
  margin-top: 1.1rem;
  border-top: 1px solid var(--line);
  padding-top: 1rem;
}

.breakdown-list {
  display: grid;
  gap: 0.8rem;
}

.breakdown-gallery {
  display: grid;
  gap: 0.9rem;
}

.breakdown-tabs {
  display: flex;
  gap: 0.55rem;
  flex-wrap: wrap;
}

.breakdown-tab {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  border: 1px solid rgba(20, 33, 61, 0.12);
  background: var(--panel-strong);
  color: var(--muted);
  border-radius: 999px;
  padding: 0.55rem 0.85rem;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}

.breakdown-tab.is-active {
  background: rgba(182, 196, 255, 0.26);
  color: #3854a6;
  border-color: rgba(130, 148, 239, 0.45);
}

.meatballs {
  display: inline-flex;
  gap: 0.18rem;
}

.meatballs span {
  width: 0.34rem;
  height: 0.34rem;
  border-radius: 999px;
  background: currentColor;
  opacity: 0.7;
}

.breakdown-gallery-body {
  min-height: 13rem;
}

.breakdown-graph-card {
  display: grid;
  gap: 0.75rem;
}

.breakdown-legend {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 0.92rem;
}

.breakdown-legend span {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
}

.legend-swatch {
  width: 0.75rem;
  height: 0.75rem;
  border-radius: 999px;
  display: inline-block;
}

.legend-swatch.is-interest {
  background: var(--graph-interest);
}

.legend-swatch.is-principal {
  background: var(--graph-principal);
}

.legend-swatch.is-extra {
  background: var(--salmon);
}

.stacked-chart-card {
  border-radius: 20px;
  padding: 0.75rem 0.6rem 0.35rem;
  background: rgba(20, 33, 61, 0.02);
}

.stacked-chart-shell {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.6rem;
  align-items: end;
}

.stacked-y-axis {
  height: 9.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  align-items: flex-end;
  color: var(--muted);
  font-size: 0.68rem;
  white-space: nowrap;
  margin-bottom: 2rem;
}

.stacked-chart-stage {
  position: relative;
}

.stacked-grid-lines {
  position: absolute;
  inset: 0 0 2rem 0;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  pointer-events: none;
}

.stacked-grid-lines span {
  display: block;
  border-top: 1px solid rgba(20, 33, 61, 0.08);
}

.stacked-chart {
  display: grid;
  grid-template-columns: repeat(auto-fit, 0.68rem);
  justify-content: space-between;
  gap: 0.22rem;
  align-items: end;
  min-height: 12.25rem;
}

.stacked-col {
  display: grid;
  gap: 0.35rem;
  align-items: end;
  justify-items: center;
}

.stacked-bar-wrap {
  width: 0.52rem;
  height: 9.75rem;
  display: flex;
  flex-direction: column-reverse;
  justify-content: end;
  gap: 0.08rem;
}

.stacked-bar {
  display: block;
  min-height: 2px;
  border-radius: 999px;
}

.stacked-bar.is-interest {
  background: linear-gradient(180deg, #efe6ff, var(--graph-interest));
}

.stacked-bar.is-principal {
  background: linear-gradient(180deg, #f9ddd1, var(--graph-principal));
}

.stacked-bar.is-extra {
  background: linear-gradient(180deg, #ffb1aa, var(--salmon-deep));
}

.stacked-label {
  color: var(--muted);
  font-size: 0.68rem;
  text-align: center;
  writing-mode: vertical-rl;
  text-orientation: mixed;
  transform: rotate(200deg);
  transform-origin: center;
  line-height: 1;
  white-space: nowrap;
}

.chart-note {
  margin: 0;
  color: var(--muted);
  line-height: 1.4;
}

.extra-payment-controls {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.8rem;
  align-items: end;
}

.recurring-controls {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.recurring-controls-note {
  grid-column: 1 / -1;
}

.recurring-extra-note {
  color: var(--muted);
  background: var(--panel-strong);
  border: 1px dashed rgba(20, 33, 61, 0.14);
  border-radius: 16px;
  padding: 0.95rem 1rem;
  line-height: 1.4;
}

.extra-payment-controls button,
.ghost-button {
  border: 1px solid rgba(20, 33, 61, 0.12);
  background: var(--panel-strong);
  color: var(--ink);
  border-radius: 16px;
  padding: 0.95rem 1rem;
  font: inherit;
  cursor: pointer;
}

.extra-payment-list {
  list-style: none;
  padding: 0;
  margin: 0.9rem 0 0;
  display: grid;
  gap: 0.7rem;
}

#extraPaymentList {
  max-height: 24.5rem;
  overflow-y: auto;
  padding-right: 0.25rem;
}

.extra-payment-item,
.extra-payment-empty {
  background: var(--panel-strong);
  border: 1px solid rgba(20, 33, 61, 0.08);
  border-radius: 18px;
  padding: 0.8rem 0.9rem;
}

.extra-payment-item {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
}

.extra-payment-item div {
  display: grid;
  gap: 0.2rem;
}

.extra-payment-item span,
.extra-payment-empty {
  color: var(--muted);
}

.ghost-button {
  padding: 0.6rem 0.85rem;
}

.breakdown-row {
  display: grid;
  gap: 0.45rem;
}

.breakdown-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.breakdown-bar {
  height: 12px;
  border-radius: 999px;
  background: rgba(20, 33, 61, 0.08);
  overflow: hidden;
}

.breakdown-fill {
  display: block;
  height: 100%;
  border-radius: inherit;
}

.is-principal {
  background: linear-gradient(90deg, var(--peach-deep), var(--peach));
}

.is-tax {
  background: linear-gradient(90deg, var(--lilac-deep), var(--lilac));
}

.is-insurance {
  background: linear-gradient(90deg, #f6d8ca, #fbebe2);
}

.is-hoa {
  background: linear-gradient(90deg, #c7b6f5, #e5dcff);
}

.breakdown-fill.is-extra {
  background: linear-gradient(90deg, var(--salmon-deep), var(--salmon));
}

.insights-panel {
  margin-top: 1rem;
}

.milestone-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  margin-bottom: 1rem;
}

.table-wrap {
  overflow-x: auto;
  max-height: 34rem;
  overflow-y: auto;
  border: 1px solid rgba(20, 33, 61, 0.08);
  border-radius: 22px;
  background: var(--panel-strong);
}

table {
  width: 100%;
  border-collapse: collapse;
}

thead th {
  position: sticky;
  top: 0;
  background: #f3efe8;
  z-index: 1;
}

th,
td {
  padding: 0.9rem 1rem;
  text-align: left;
  white-space: nowrap;
}

thead {
  background: rgba(20, 33, 61, 0.04);
}

tbody tr + tr td {
  border-top: 1px solid rgba(20, 33, 61, 0.07);
}

tbody tr.is-current-month td {
  background: rgba(197, 106, 45, 0.16);
  border-top-color: rgba(197, 106, 45, 0.24);
}

tbody tr.is-current-month td:first-child {
  box-shadow: inset 4px 0 0 var(--accent-deep);
  font-weight: 700;
}

.empty-state,
.empty-cell {
  color: var(--muted);
}

.empty-cell {
  text-align: center;
}

@media (max-width: 920px) {
  .layout {
    grid-template-columns: 1fr;
  }

  .milestone-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .extra-payments-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .app {
    width: min(100% - 1rem, 100%);
    padding-top: 1rem;
  }

  .hero,
  .form-panel,
  .results-panel,
  .insights-panel {
    padding: 1rem;
  }

  .field-grid,
  .stat-grid,
  .milestone-grid {
    grid-template-columns: 1fr;
  }

  .extra-payment-controls {
    grid-template-columns: 1fr;
  }

  h1 {
    max-width: none;
    font-size: clamp(2.6rem, 15vw, 4rem);
  }
}