/* ===========================================================================
   Marcus Runs the Math -- shared stylesheet
   Brand: navy + gold (matches Marcus's image-post brand), mobile-first,
   big inputs/results, fast (no framework, no web fonts, system font stack).
=========================================================================== */

:root {
  --navy-900: #0a1628;
  --navy-800: #0f1f38;
  --navy-700: #16284a;
  --navy-600: #1f3660;
  --gold-500: #d4af37;
  --gold-400: #e5c767;
  --gold-100: #faf3dc;
  --ink: #0a1628;
  --paper: #ffffff;
  --paper-soft: #f6f7fb;
  --border: #e1e5ee;
  --muted: #5b6577;
  --green: #1f7a4d;
  --red: #b3261e;
  --radius: 14px;
  --max-w: 760px;
  --shadow: 0 4px 18px rgba(10, 22, 40, 0.08);
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--paper-soft);
  line-height: 1.5;
  font-size: 17px;
}

a { color: var(--navy-600); }
a:hover { color: var(--gold-500); }

img { max-width: 100%; display: block; }

.wrap {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 18px;
}

/* ---------------------------------------------------------------------
   Header
--------------------------------------------------------------------- */
.site-header {
  background: var(--navy-900);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 3px solid var(--gold-500);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 10px;
  padding-bottom: 10px;
  gap: 10px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: #fff;
  min-width: 0;
}
.brand-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold-500);
  flex: none;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
  min-width: 0;
}
.brand-text .name {
  font-weight: 800;
  font-size: 15px;
  color: #fff;
  white-space: nowrap;
}
.brand-text .tag {
  font-size: 11px;
  color: var(--gold-400);
  white-space: nowrap;
}
.home-link {
  color: var(--gold-400);
  font-size: 14px;
  text-decoration: none;
  font-weight: 600;
  flex: none;
}

/* ---------------------------------------------------------------------
   Hero / page title
--------------------------------------------------------------------- */
.page-hero {
  background: linear-gradient(180deg, var(--navy-900), var(--navy-700));
  color: #fff;
  padding: 22px 0 26px;
}
.page-hero h1 {
  margin: 0 0 6px;
  font-size: 26px;
  font-weight: 800;
}
.page-hero p {
  margin: 0;
  color: #cdd6e8;
  font-size: 15px;
  max-width: 56ch;
}
.badge-row { margin-top: 10px; display: flex; flex-wrap: wrap; gap: 8px; }
.badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--navy-900);
  background: var(--gold-400);
  padding: 3px 9px;
  border-radius: 999px;
}

/* ---------------------------------------------------------------------
   Calculator card
--------------------------------------------------------------------- */
.card {
  background: var(--paper);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
  margin: -18px 0 22px;
  border: 1px solid var(--border);
}
.calc-card { margin-top: -18px; }

.field {
  margin-bottom: 14px;
}
.field label {
  display: block;
  font-weight: 700;
  font-size: 14px;
  margin-bottom: 6px;
  color: var(--navy-800);
}
.field .hint {
  font-weight: 400;
  color: var(--muted);
  font-size: 12.5px;
}
.field input[type="number"],
.field input[type="text"],
.field input[type="email"],
.field input[type="date"],
.field select {
  width: 100%;
  font-size: 19px;
  padding: 13px 14px;
  border: 2px solid var(--border);
  border-radius: 10px;
  background: var(--paper-soft);
  color: var(--ink);
  font-family: inherit;
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--gold-500);
  background: #fff;
}
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.radio-group {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.radio-group label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 14px;
  background: var(--paper-soft);
  border: 2px solid var(--border);
  padding: 9px 12px;
  border-radius: 10px;
  cursor: pointer;
}
.radio-group input { accent-color: var(--navy-600); width: 18px; height: 18px; }
.radio-group label.active { border-color: var(--gold-500); background: var(--gold-100); }

.btn {
  display: inline-block;
  width: 100%;
  text-align: center;
  background: var(--navy-900);
  color: #fff;
  border: none;
  padding: 16px 18px;
  font-size: 18px;
  font-weight: 800;
  border-radius: 12px;
  cursor: pointer;
  margin-top: 4px;
}
.btn:hover { background: var(--navy-700); }
.btn.gold { background: var(--gold-500); color: var(--navy-900); }
.btn.gold:hover { background: var(--gold-400); }
.btn.secondary {
  background: #fff;
  color: var(--navy-800);
  border: 2px solid var(--border);
}

/* ---------------------------------------------------------------------
   Results
--------------------------------------------------------------------- */
.results {
  margin-top: 18px;
  border-top: 2px dashed var(--border);
  padding-top: 18px;
}
.results.hidden { display: none; }
.result-hero {
  text-align: center;
  background: var(--navy-900);
  color: #fff;
  border-radius: 12px;
  padding: 18px;
  margin-bottom: 14px;
}
.result-hero .amount {
  font-size: 34px;
  font-weight: 900;
  color: var(--gold-400);
  line-height: 1.1;
}
.result-hero .label {
  font-size: 13px;
  color: #cdd6e8;
  margin-top: 4px;
}
.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 14px;
}
.result-box {
  background: var(--paper-soft);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 10px 12px;
}
.result-box .v { font-weight: 800; font-size: 18px; }
.result-box .k { font-size: 12px; color: var(--muted); }
.result-box.full { grid-column: 1 / -1; }

.compare-table, .amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  margin: 10px 0 4px;
}
.compare-table th, .compare-table td,
.amort-table th, .amort-table td {
  padding: 8px 6px;
  text-align: right;
  border-bottom: 1px solid var(--border);
}
.compare-table th:first-child, .compare-table td:first-child,
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-table-wrap { overflow-x: auto; }

.callout {
  background: var(--gold-100);
  border: 1px solid var(--gold-400);
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 14.5px;
  margin: 12px 0;
}
.callout.green { background: #eaf6ef; border-color: var(--green); }
.callout.red { background: #fdecea; border-color: var(--red); }
.callout strong { color: var(--navy-900); }

/* ---------------------------------------------------------------------
   Ad slots -- reserved space below results, fixed min-height so the
   phone layout never shifts once real ad code is dropped in later.
   No ad network script is loaded in v1.
--------------------------------------------------------------------- */
.ad-slot {
  margin: 20px 0;
  min-height: 100px;
  display: block;
  background: transparent;
  border: none;
}
.ad-slot.tall { min-height: 250px; }

/* ---------------------------------------------------------------------
   Article / content section (below the calculator -- real content)
--------------------------------------------------------------------- */
.content-section {
  background: var(--paper);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px 18px;
  margin-bottom: 22px;
  border: 1px solid var(--border);
}
.content-section h2 {
  font-size: 20px;
  margin: 0 0 10px;
  color: var(--navy-900);
  border-bottom: 2px solid var(--gold-400);
  padding-bottom: 8px;
}
.content-section h3 {
  font-size: 16px;
  margin: 18px 0 6px;
  color: var(--navy-800);
}
.content-section p { margin: 0 0 12px; color: #273048; }
.content-section ul, .content-section ol { margin: 0 0 12px; padding-left: 22px; color: #273048; }
.content-section li { margin-bottom: 6px; }

.faq-item { border-bottom: 1px solid var(--border); padding: 12px 0; }
.faq-item:last-child { border-bottom: none; }
.faq-item h3 { margin: 0 0 6px; font-size: 15px; }
.faq-item p { margin: 0; font-size: 14.5px; color: var(--muted); }

.assumptions-list { font-size: 13.5px; color: var(--muted); }
.source-list { font-size: 12.5px; color: var(--muted); }
.source-list a { color: var(--navy-600); }

.disclaimer-strip {
  font-size: 12.5px;
  color: var(--muted);
  text-align: center;
  padding: 10px 18px 0;
}

/* ---------------------------------------------------------------------
   Home page: calculator grid by category
--------------------------------------------------------------------- */
.category { margin-bottom: 22px; }
.category h2 {
  font-size: 15px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--navy-800);
  margin: 0 0 10px;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}
.calc-link {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--paper);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px;
  text-decoration: none;
  color: var(--ink);
  box-shadow: var(--shadow);
}
.calc-link .icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--navy-900);
  color: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: -0.02em;
  flex: none;
}
.calc-link .txt { min-width: 0; }
.calc-link .txt .t { font-weight: 800; font-size: 15.5px; display: block; margin-bottom: 2px; }
.calc-link .txt .d { font-size: 12.5px; color: var(--muted); display: block; }
.calc-link .arrow { margin-left: auto; color: var(--gold-500); font-weight: 900; flex: none; }

@media (min-width: 640px) {
  .calc-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------------------------------------------------------------------
   Email capture box
--------------------------------------------------------------------- */
.email-box {
  background: var(--navy-900);
  color: #fff;
  border-radius: var(--radius);
  padding: 20px 18px;
  margin-bottom: 22px;
  text-align: center;
}
.email-box h2 { margin: 0 0 6px; font-size: 18px; color: #fff; border: none; padding: 0; }
.email-box p { color: #cdd6e8; font-size: 13.5px; margin: 0 0 14px; }
.email-form { display: flex; flex-direction: column; gap: 10px; max-width: 420px; margin: 0 auto; }
.email-form input[type="email"] {
  font-size: 17px;
  padding: 13px 14px;
  border-radius: 10px;
  border: none;
}
.email-form .privacy-note { font-size: 11px; color: #9fb0cc; }
.email-form .status-msg { font-size: 13px; font-weight: 700; min-height: 18px; }
.email-form .status-msg.ok { color: var(--gold-400); }
.email-form .status-msg.err { color: #ff9b9b; }

/* ---------------------------------------------------------------------
   Footer
--------------------------------------------------------------------- */
.site-footer {
  background: var(--navy-900);
  color: #cdd6e8;
  padding: 24px 0 90px;
  font-size: 13px;
}
.site-footer .book-cta {
  text-align: center;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--navy-600);
  margin-bottom: 16px;
}
.site-footer .book-cta a {
  color: var(--gold-400);
  font-weight: 800;
  text-decoration: none;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  justify-content: center;
  margin-bottom: 12px;
}
.footer-links a { color: #cdd6e8; text-decoration: none; }
.footer-links a:hover { color: var(--gold-400); }
.footer-fine { text-align: center; color: #7f8bab; font-size: 11.5px; line-height: 1.6; }

/* ---------------------------------------------------------------------
   Printable savings tracker
--------------------------------------------------------------------- */
.tracker-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 6px;
  margin: 14px 0;
}
.tracker-box {
  aspect-ratio: 1;
  border: 2px solid var(--navy-700);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 700;
  color: var(--navy-800);
  text-align: center;
  padding: 2px;
}
.print-only-title { display: none; }
@media print {
  .site-header, .site-footer, .ad-slot, .no-print, .content-section, .email-box { display: none !important; }
  body { background: #fff; }
  .card { box-shadow: none; border: none; }
  .print-only-title { display: block; margin: 0 0 14px; font-size: 20px; color: var(--navy-900); }
}

/* ---------------------------------------------------------------------
   Small screens polish (390px target)
--------------------------------------------------------------------- */
@media (max-width: 420px) {
  .page-hero h1 { font-size: 22px; }
  .result-hero .amount { font-size: 28px; }
  .field-row { grid-template-columns: 1fr; }
  body { font-size: 16px; }
  .site-header .wrap { flex-wrap: wrap; row-gap: 4px; }
  .brand-text .tag { display: none; }
  .brand-text .name { font-size: 13.5px; }
  .brand-avatar { width: 36px; height: 36px; }
  .home-link { font-size: 13px; }
}