/* ===== Pennywise Finance — Global Stylesheet ===== */

:root {
  --c-bg: #f7f8fb;
  --c-surface: #ffffff;
  --c-surface-2: #f0f3f8;
  --c-ink: #0f1830;
  --c-ink-soft: #4a5570;
  --c-ink-mute: #7884a0;
  --c-border: #e3e7ef;
  --c-border-strong: #c9d1de;
  --c-brand: #1f6f54;
  --c-brand-dark: #155441;
  --c-brand-soft: #e6f3ee;
  --c-accent: #f4b942;
  --c-warn: #c2410c;
  --c-danger: #b42318;
  --c-good: #15803d;

  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 16px;

  --shadow-sm: 0 1px 2px rgba(15,24,48,0.05);
  --shadow: 0 4px 14px rgba(15,24,48,0.07);
  --shadow-lg: 0 10px 30px rgba(15,24,48,0.10);

  --maxw: 1140px;

  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica,
    Arial, sans-serif;
  --font-numeric: "SF Mono", ui-monospace, "Cascadia Mono", "Roboto Mono",
    Menlo, Consolas, monospace;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--c-bg);
  color: var(--c-ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--c-brand);
  text-decoration: none;
}
a:hover { text-decoration: underline; }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 56px 0;
}

@media (max-width: 720px) {
  .section { padding: 36px 0; }
}

.grid {
  display: grid;
  gap: 24px;
}

.grid--2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0,1fr)); }

@media (max-width: 880px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--c-border);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 18px;
  color: var(--c-ink);
}
.brand:hover { text-decoration: none; }
.brand__mark {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--c-brand), #2c8a6c);
  color: #fff;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 14px;
  letter-spacing: 0.5px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav a {
  color: var(--c-ink-soft);
  font-weight: 500;
  font-size: 15px;
}
.nav a:hover { color: var(--c-ink); text-decoration: none; }
.nav a.active { color: var(--c-brand); }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--c-border-strong);
  border-radius: var(--radius-sm);
  width: 40px; height: 36px;
  cursor: pointer;
  align-items: center; justify-content: center;
}
.nav-toggle span {
  display: block;
  width: 18px; height: 2px;
  background: var(--c-ink);
  position: relative;
}
.nav-toggle span::before,
.nav-toggle span::after {
  content: ""; position: absolute; left: 0;
  width: 18px; height: 2px; background: var(--c-ink);
}
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after  { top:  6px; }

@media (max-width: 820px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: absolute;
    top: 64px; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--c-border);
    flex-direction: column;
    gap: 0;
    align-items: stretch;
    padding: 8px 0;
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 12px 20px; border-bottom: 1px solid var(--c-border); }
  .nav a:last-child { border-bottom: 0; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, #ffffff 0%, var(--c-brand-soft) 100%);
  padding: 64px 0 48px;
}
.hero__eyebrow {
  display: inline-block;
  background: #fff;
  color: var(--c-brand);
  font-weight: 600;
  font-size: 13px;
  padding: 6px 12px;
  border-radius: 999px;
  border: 1px solid var(--c-brand-soft);
  margin-bottom: 16px;
}
.hero h1 {
  font-size: clamp(28px, 4.4vw, 44px);
  line-height: 1.15;
  margin: 0 0 16px;
  letter-spacing: -0.02em;
}
.hero p.lede {
  font-size: 18px;
  color: var(--c-ink-soft);
  max-width: 640px;
  margin: 0 0 24px;
}

/* ---------- Page header (calculator/article tops) ---------- */
.page-header {
  padding: 40px 0 24px;
  border-bottom: 1px solid var(--c-border);
  background: #fff;
}
.page-header h1 {
  font-size: clamp(26px, 3.5vw, 36px);
  line-height: 1.2;
  margin: 8px 0 8px;
  letter-spacing: -0.02em;
}
.page-header p {
  color: var(--c-ink-soft);
  margin: 0;
  max-width: 720px;
}
.crumbs {
  font-size: 13px;
  color: var(--c-ink-mute);
}
.crumbs a { color: var(--c-ink-soft); }

/* ---------- Cards ---------- */
.card {
  background: var(--c-surface);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.card h2, .card h3 { margin-top: 0; }

.tool-card {
  display: flex;
  flex-direction: column;
  gap: 12px;
  text-decoration: none;
  color: inherit;
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.tool-card:hover {
  text-decoration: none;
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: var(--c-border-strong);
}
.tool-card__icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--c-brand-soft);
  color: var(--c-brand);
  display: grid; place-items: center;
  font-size: 22px;
}
.tool-card h3 { font-size: 18px; margin: 0; }
.tool-card p  { color: var(--c-ink-soft); margin: 0; font-size: 15px; }
.tool-card__cta {
  margin-top: auto;
  font-weight: 600;
  color: var(--c-brand);
  font-size: 14px;
}

/* ---------- Buttons / form ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--c-brand);
  color: #fff;
  font-weight: 600;
  border: 0;
  padding: 12px 18px;
  border-radius: 999px;
  cursor: pointer;
  font-size: 15px;
  transition: background .15s ease, transform .05s ease;
}
.btn:hover { background: var(--c-brand-dark); text-decoration: none; }
.btn:active { transform: translateY(1px); }
.btn--ghost {
  background: #fff;
  color: var(--c-ink);
  border: 1px solid var(--c-border-strong);
}
.btn--ghost:hover { background: var(--c-surface-2); }

label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--c-ink-soft);
  margin: 0 0 6px;
}
.field {
  position: relative;
}
.field__hint {
  font-size: 12px;
  color: var(--c-ink-mute);
  margin-top: 4px;
}
.field__prefix {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--c-ink-mute);
  font-weight: 600;
  pointer-events: none;
}
.field__suffix {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--c-ink-mute);
  font-weight: 600;
  pointer-events: none;
  font-size: 14px;
}
input[type="number"],
input[type="text"],
input[type="email"],
select,
textarea {
  width: 100%;
  background: #fff;
  border: 1px solid var(--c-border-strong);
  border-radius: var(--radius);
  padding: 12px 14px;
  font-size: 16px;
  color: var(--c-ink);
  font-family: inherit;
  transition: border-color .12s ease, box-shadow .12s ease;
}
input.has-prefix { padding-left: 28px; }
input.has-suffix { padding-right: 36px; }
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--c-brand);
  box-shadow: 0 0 0 3px rgba(31,111,84,0.15);
}
input[type="range"] {
  width: 100%;
  accent-color: var(--c-brand);
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (max-width: 600px) { .field-row { grid-template-columns: 1fr; } }

/* ---------- Calculator layout ---------- */
.calc {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr);
  gap: 28px;
  align-items: start;
}
@media (max-width: 940px) { .calc { grid-template-columns: 1fr; } }

.calc__inputs h2,
.calc__results h2 { font-size: 18px; margin: 0 0 16px; }

.results-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}
@media (max-width: 480px) { .results-list { grid-template-columns: 1fr; } }

.result {
  background: var(--c-surface-2);
  border-radius: var(--radius);
  padding: 14px 16px;
}
.result__label {
  font-size: 12px;
  color: var(--c-ink-mute);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.result__value {
  font-family: var(--font-numeric);
  font-size: 22px;
  font-weight: 700;
  color: var(--c-ink);
}
.result--good .result__value { color: var(--c-good); }
.result--warn .result__value { color: var(--c-warn); }

table.data {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
table.data th, table.data td {
  text-align: right;
  padding: 8px 10px;
  border-bottom: 1px solid var(--c-border);
}
table.data th:first-child, table.data td:first-child {
  text-align: left;
}
table.data thead th {
  background: var(--c-surface-2);
  color: var(--c-ink-soft);
  font-weight: 600;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.scroll-x {
  overflow-x: auto;
  border: 1px solid var(--c-border);
  border-radius: var(--radius);
}

/* ---------- Chart canvas ---------- */
.chart-wrap {
  background: var(--c-surface-2);
  border-radius: var(--radius);
  padding: 12px;
  margin-bottom: 16px;
}
canvas { display: block; width: 100% !important; max-height: 280px; }

/* ---------- Article / prose ---------- */
.prose h2 { font-size: 22px; margin: 32px 0 12px; }
.prose h3 { font-size: 18px; margin: 24px 0 8px; }
.prose p, .prose ul, .prose ol { margin: 0 0 14px; color: var(--c-ink-soft); }
.prose ul, .prose ol { padding-left: 22px; }
.prose li { margin-bottom: 6px; }
.prose strong { color: var(--c-ink); }
.prose blockquote {
  border-left: 4px solid var(--c-brand-soft);
  padding: 8px 16px;
  color: var(--c-ink-soft);
  margin: 16px 0;
  background: #fff;
}

/* ---------- Ad slots ---------- */
.ad-slot {
  display: block;
  margin: 24px auto;
  background: repeating-linear-gradient(
    45deg, #f3f5fa, #f3f5fa 8px, #eef1f7 8px, #eef1f7 16px);
  border: 1px dashed var(--c-border-strong);
  border-radius: var(--radius);
  color: var(--c-ink-mute);
  text-align: center;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 32px 12px;
  min-height: 90px;
}
.ad-slot--leaderboard { max-width: 728px; min-height: 90px; }
.ad-slot--rectangle   { max-width: 336px; min-height: 280px; }
.ad-slot--inline      { width: 100%; min-height: 100px; margin: 28px 0; }

/* ---------- Disclaimer + alerts ---------- */
.disclaimer {
  font-size: 13px;
  color: var(--c-ink-mute);
  background: #fff8e7;
  border: 1px solid #f5e6b3;
  padding: 12px 14px;
  border-radius: var(--radius);
  margin-top: 24px;
}
.alert {
  border-radius: var(--radius);
  padding: 12px 14px;
  font-size: 14px;
  border: 1px solid;
}
.alert--info {
  background: #eff6ff;
  border-color: #bfdbfe;
  color: #1e3a8a;
}

/* ---------- Footer ---------- */
.site-footer {
  border-top: 1px solid var(--c-border);
  padding: 40px 0 60px;
  margin-top: 56px;
  background: #fff;
  color: var(--c-ink-soft);
  font-size: 14px;
}
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 32px;
}
@media (max-width: 760px) {
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 460px) {
  .site-footer__grid { grid-template-columns: 1fr; }
}
.site-footer h4 {
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 12px;
  color: var(--c-ink);
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: var(--c-ink-soft); }
.site-footer a:hover { color: var(--c-brand); text-decoration: none; }
.site-footer__bottom {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--c-border);
  font-size: 13px;
  color: var(--c-ink-mute);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px;
}

/* ---------- Cookie banner ---------- */
.cookie-banner {
  position: fixed;
  bottom: 16px; left: 16px; right: 16px;
  max-width: 720px;
  margin: 0 auto;
  background: var(--c-ink);
  color: #fff;
  padding: 16px 20px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: none;
  align-items: center;
  gap: 14px;
  z-index: 50;
  font-size: 14px;
}
.cookie-banner.is-shown { display: flex; flex-wrap: wrap; }
.cookie-banner p { margin: 0; flex: 1; min-width: 220px; }
.cookie-banner a { color: #f4b942; }
.cookie-banner .btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.cookie-banner .btn--ghost:hover { background: rgba(255,255,255,0.1); }

/* ---------- Utility ---------- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.text-center { text-align: center; }
.muted { color: var(--c-ink-mute); }
.tag {
  display: inline-block;
  background: var(--c-brand-soft);
  color: var(--c-brand-dark);
  border-radius: 999px;
  padding: 3px 10px;
  font-size: 12px;
  font-weight: 600;
}
.divider { height: 1px; background: var(--c-border); margin: 32px 0; border: 0; }

/* keyboard focus visibility */
:focus-visible {
  outline: 2px solid var(--c-brand);
  outline-offset: 2px;
  border-radius: 4px;
}