:root {
  --bg: #f7f7f7;
  --surface: #ffffff;
  --text: #222222;
  --muted: #555555;
  --border: #d0d0d0;
  --link: #0b57a4;
  --link-hover: #083d73;
  --accent: #1a6bb5;
  --accent-dark: #0f4f8a;
  --result: #eef6ff;
  --warn: #8a1f1f;
  --ok: #0d5c2e;
  --max: 980px;
  --font: "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --mono: "Consolas", "Liberation Mono", Menlo, monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.5;
  font-size: 16px;
}
a { color: var(--link); text-decoration: none; }
a:hover { color: var(--link-hover); text-decoration: underline; }
img { max-width: 100%; height: auto; }

.wrap {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 0.85rem 0;
}
.header-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.65rem 1rem;
}
.brand {
  display: flex;
  align-items: baseline;
  gap: 0.55rem;
  flex-wrap: wrap;
  flex: 1;
}
.brand a {
  color: var(--text);
  text-decoration: none;
  font-size: 1.55rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.brand a:hover { color: var(--accent); text-decoration: none; }
.brand span {
  color: var(--muted);
  font-size: 0.92rem;
}
.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.1rem;
  font-size: 0.95rem;
}
.nav a { font-weight: 600; }
.nav-toggle {
  display: none;
  border: 1px solid var(--border);
  background: #fff;
  font: inherit;
  font-weight: 600;
  padding: 0.35rem 0.7rem;
  cursor: pointer;
}
@media (max-width: 720px) {
  .nav-toggle { display: inline-block; }
  .nav {
    display: none;
    width: 100%;
    flex-direction: column;
    gap: 0.55rem;
    padding-top: 0.35rem;
  }
  .nav.open { display: flex; }
}

.hero {
  background: var(--surface);
  border: 1px solid var(--border);
  margin-top: 1.1rem;
  padding: 1.25rem 1.35rem;
}
.hero h1 {
  margin: 0 0 0.45rem;
  font-size: clamp(1.45rem, 2.5vw, 1.85rem);
  font-weight: 700;
  letter-spacing: -0.02em;
}
.hero p {
  margin: 0;
  color: var(--muted);
  max-width: 62ch;
}

.search-box {
  margin-top: 1rem;
  display: flex;
  gap: 0.5rem;
}
.search-box input {
  flex: 1;
  min-width: 0;
  padding: 0.55rem 0.7rem;
  border: 1px solid var(--border);
  font: inherit;
}
.search-box button {
  padding: 0.55rem 0.9rem;
  border: 1px solid var(--accent-dark);
  background: var(--accent);
  color: #fff;
  font: inherit;
  font-weight: 600;
  cursor: pointer;
}
.search-box button:hover { background: var(--accent-dark); }

.grid-cats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.1rem 0 1.5rem;
}
@media (min-width: 900px) {
  .grid-cats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 720px) {
  .grid-cats { grid-template-columns: 1fr; }
}

.cat {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 0.95rem 1.05rem 1.1rem;
}
.cat h2 {
  margin: 0 0 0.55rem;
  font-size: 1.05rem;
  border-bottom: 1px solid var(--border);
  padding-bottom: 0.4rem;
}
.cat ul {
  margin: 0;
  padding: 0;
  list-style: none;
  columns: 1;
}
.cat li { margin: 0.28rem 0; }
.cat a { font-size: 0.95rem; }

.layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 240px;
  gap: 1rem;
  margin: 1.1rem 0 1.75rem;
  align-items: start;
}
@media (max-width: 860px) {
  .layout { grid-template-columns: 1fr; }
}

.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 1.15rem 1.2rem 1.35rem;
}
.panel h1 {
  margin: 0 0 0.35rem;
  font-size: clamp(1.35rem, 2.4vw, 1.7rem);
  letter-spacing: -0.02em;
}
.lead {
  margin: 0 0 1rem;
  color: var(--muted);
}

.calc-form {
  display: grid;
  gap: 0.75rem;
  max-width: 520px;
}
.field label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 0.25rem;
}
.field .hint {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 400;
  margin-top: 0.15rem;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 0.5rem 0.65rem;
  border: 1px solid var(--border);
  font: inherit;
  background: #fff;
}
.row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
@media (max-width: 520px) {
  .row-2 { grid-template-columns: 1fr; }
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 0.25rem;
}
.btn {
  appearance: none;
  border: 1px solid var(--accent-dark);
  background: var(--accent);
  color: #fff;
  font: inherit;
  font-weight: 600;
  padding: 0.55rem 1rem;
  cursor: pointer;
}
.btn:hover { background: var(--accent-dark); }
.btn-secondary {
  background: #fff;
  color: var(--text);
  border-color: var(--border);
}
.btn-secondary:hover { background: #f0f0f0; }

.result {
  margin-top: 1rem;
  background: var(--result);
  border: 1px solid #c5daf0;
  padding: 0.9rem 1rem;
  display: none;
}
.result.show { display: block; }
.result h2 {
  margin: 0 0 0.45rem;
  font-size: 1.05rem;
}
.result .big {
  font-size: 1.45rem;
  font-weight: 700;
  margin: 0.15rem 0 0.55rem;
}
.result table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.94rem;
}
.result th,
.result td {
  text-align: left;
  padding: 0.35rem 0.4rem;
  border-bottom: 1px solid #d7e6f5;
  vertical-align: top;
}
.result th { width: 45%; color: var(--muted); font-weight: 600; }
.error {
  color: var(--warn);
  margin-top: 0.65rem;
  font-weight: 600;
  display: none;
}
.error.show { display: block; }

.howto {
  margin-top: 1.35rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.howto h2 {
  margin: 0 0 0.45rem;
  font-size: 1.1rem;
}
.howto p, .howto li { color: var(--muted); }
.howto ul { padding-left: 1.2rem; }

.side {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 0.9rem 1rem 1.05rem;
}
.side h2 {
  margin: 0 0 0.5rem;
  font-size: 0.98rem;
  border-bottom: 1px solid var(--border);
  padding-bottom: 0.35rem;
}
.side ul {
  margin: 0;
  padding: 0;
  list-style: none;
}
.side li { margin: 0.28rem 0; }
.side a { font-size: 0.92rem; }

.crumbs {
  font-size: 0.88rem;
  color: var(--muted);
  margin-bottom: 0.75rem;
}
.crumbs a { font-weight: 600; }

.site-footer {
  border-top: 1px solid var(--border);
  background: var(--surface);
  padding: 1.1rem 0 1.4rem;
  color: var(--muted);
  font-size: 0.9rem;
}
.site-footer .links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.1rem;
  margin-bottom: 0.5rem;
}
.site-footer p { margin: 0.25rem 0; }
.donate-inline { margin-top: 0.55rem !important; }

.donate {
  margin-top: 1rem;
  padding-top: 0.85rem;
  border-top: 1px solid var(--border);
  max-width: 420px;
}
.donate h2 {
  margin: 0 0 0.35rem;
  font-size: 1.05rem;
}
.donate p {
  margin: 0 0 0.75rem;
  color: var(--muted);
  font-size: 0.95rem;
}
#paypal-container-8CYKXFC95D8EA { min-height: 45px; }

.faq details {
  border-top: 1px solid var(--border);
  padding: 0.65rem 0;
}
.faq details:first-child { border-top: 0; }
.faq summary {
  cursor: pointer;
  font-weight: 600;
}
.faq p { margin: 0.4rem 0 0; color: var(--muted); }

.table-scroll { overflow-x: auto; }
.amortization {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
  margin-top: 0.65rem;
}
.amortization th,
.amortization td {
  border: 1px solid #c5daf0;
  padding: 0.3rem 0.4rem;
  text-align: right;
}
.amortization th:first-child,
.amortization td:first-child { text-align: left; }
.amortization thead th { background: #dff0ff; }

.note {
  font-size: 0.88rem;
  color: var(--muted);
  margin-top: 0.75rem;
}
.mono { font-family: var(--mono); }
.hidden { display: none !important; }
.result-actions { margin-top: 0.55rem; }
.side-more { margin: 0.75rem 0 0; font-size: 0.9rem; }
.cat h2 a { color: var(--text); text-decoration: none; }
.cat h2 a:hover { color: var(--accent); }
.cat-more { margin: 0.55rem 0 0; font-size: 0.9rem; }
.popular { margin-top: 1.1rem; }
.popular h2 { margin: 0 0 0.55rem; font-size: 1.05rem; }
.popular-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem 0.85rem;
}
.popular-list a { font-weight: 600; }

.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--surface);
  border-top: 1px solid var(--border);
  box-shadow: 0 -2px 12px rgba(0, 0, 0, 0.08);
  z-index: 1000;
  padding: 0.85rem 0;
}
.cookie-inner {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem 1rem;
  justify-content: space-between;
}
.cookie-inner p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
  flex: 1;
  min-width: 200px;
}
.cookie-actions {
  display: flex;
  gap: 0.5rem;
  flex-shrink: 0;
}