:root {
  --kv-bg:       #0f172a;
  --kv-card:     #1e293b;
  --kv-card-2:   #273449;
  --kv-text:     #f1f5f9;
  --kv-muted:    #94a3b8;
  --kv-accent:   #38bdf8;
  --kv-accent-h: #0ea5e9;
  --kv-border:   #334155;
  --kv-pass:     #22c55e;
  --kv-fail:     #ef4444;
  --kv-warn:     #f59e0b;
}

html:not(.dark) {
  --kv-bg:     #edf2f7;
  --kv-card:   #d4dce8;
  --kv-card-2: #c5cfe0;
  --kv-text:   #0f172a;
  --kv-muted:  #475569;
  --kv-border: #e2e8f0;
  --kv-accent: #0369a1;
  --kv-warn:   #d97706;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html, body {
  background: var(--kv-bg);
  color: var(--kv-text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.5;
}

/* ── Header ── */
.app-header {
  padding: 20px 16px 14px;
  border-bottom: 1px solid var(--kv-border);
  position: relative;
  text-align: center;
}
.home-logo {
  position: absolute;
  top: 18px;
  left: 16px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  text-decoration: none;
}
.home-logo img { width: 32px; height: 32px; opacity: 0.9; display: block; transition: opacity 0.15s; }
.home-logo:hover img { opacity: 1; }
.home-logo-label {
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.03em;
  color: var(--kv-muted);
  transition: color 0.15s;
  white-space: nowrap;
}
.home-logo:hover .home-logo-label { color: var(--kv-accent); }
.app-header h1 { font-size: 1.5rem; padding: 0 52px; }
.app-header p  { color: var(--kv-muted); font-size: 0.88rem; margin-top: 4px; padding: 0 52px; }

/* ── Theme toggle ── */
.theme-toggle {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 32px;
  height: 32px;
  border-radius: 8px;
  border: 1px solid var(--kv-border);
  background: var(--kv-card);
  cursor: pointer;
  color: var(--kv-muted);
  font-size: 0.9rem;
  transition: background 0.15s, border-color 0.15s;
}
.theme-toggle:hover {
  background: var(--kv-card-2);
  border-color: var(--kv-accent);
  color: var(--kv-text);
}

/* ── Layout ── */
main {
  max-width: 1100px;
  margin: 0 auto;
  padding: 16px;
}

.layout {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 16px;
  align-items: start;
}
@media (max-width: 780px) {
  .app-header { display: flex; align-items: flex-start; gap: 8px; padding: 12px 16px; }
  .home-logo { position: static; flex: 0 0 auto; order: 1; padding-top: 6px; }
  .app-header-center { flex: 1; min-width: 0; order: 2; text-align: center; }
  .theme-toggle { position: static; flex: 0 0 auto; order: 3; }
  .app-header h1 { font-size: 1.1rem; padding: 0; }
  .app-header p  { padding: 0; font-size: 0.82rem; }
  .layout { grid-template-columns: 1fr; }
}

/* ── Disclaimer banner ── */
.disclaimer-banner {
  text-align: center;
  font-size: 0.7rem;
  line-height: 1.5;
  color: var(--text-muted);
  padding: 6px 24px;
  margin: 0;
}

/* ── Tabs ── */
.tabs {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 8px;
  padding: 4px;
}
.tab-btn {
  flex: 1;
  padding: 8px 6px;
  background: transparent;
  color: var(--kv-muted);
  border: none;
  border-radius: 6px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
  text-align: center;
}
.tab-btn.active {
  background: var(--kv-accent);
  color: var(--kv-bg);
}
.tab-btn:not(.active):hover { color: var(--kv-text); }

/* ── Input panel ── */
.input-panel {
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 10px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.section-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--kv-muted);
  margin-bottom: 10px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 10px;
}
.field:last-child { margin-bottom: 0; }

.field label {
  font-size: 0.82rem;
  color: var(--kv-muted);
  display: flex;
  align-items: center;
  gap: 5px;
}

.field input[type="number"],
.field input[type="text"],
.field input[type="range"],
.field select {
  padding: 9px 11px;
  background: var(--kv-card-2);
  color: var(--kv-text);
  border: 1px solid var(--kv-border);
  border-radius: 6px;
  font-size: 0.95rem;
  width: 100%;
}
.field input[type="number"]:focus,
.field input[type="text"]:focus,
.field select:focus {
  outline: none;
  border-color: var(--kv-accent);
}

.field .hint {
  font-size: 0.75rem;
  color: var(--kv-muted);
}

.field .derived {
  font-size: 0.78rem;
  color: var(--kv-accent);
  margin-top: 1px;
}

.field input[type="range"] {
  padding: 4px 0;
  accent-color: var(--kv-accent);
  cursor: pointer;
}

.range-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--kv-muted);
  margin-top: 2px;
}

.field-group {
  background: var(--kv-card-2);
  border: 1px solid var(--kv-border);
  border-radius: 8px;
  padding: 12px;
}

/* hidden strategy fields */
.strategy-fields { display: none; }
.strategy-fields.active { display: block; }

.btn-calculate {
  width: 100%;
  padding: 12px;
  background: var(--kv-accent);
  color: var(--kv-bg);
  border: none;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.15s;
}
.btn-calculate:hover { background: var(--kv-accent-h); }

/* Auto-repayment badge + reset */
.auto-tag {
  display: inline-block;
  padding: 1px 7px;
  background: rgba(56,189,248,0.12);
  color: var(--kv-accent);
  border-radius: 999px;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.3px;
  vertical-align: middle;
}
.auto-tag.hidden { display: none; }

.repayment-row { display: flex; gap: 6px; }
.repayment-row input { flex: 1; }

.repay-reset {
  padding: 0 11px;
  background: var(--kv-card-2);
  border: 1px solid var(--kv-border);
  border-radius: 6px;
  color: var(--kv-muted);
  cursor: pointer;
  font-size: 1.1rem;
  line-height: 1;
  transition: color 0.15s, border-color 0.15s;
}
.repay-reset:hover { color: var(--kv-accent); border-color: var(--kv-accent); }

.btn-pdf {
  width: 100%;
  padding: 10px;
  background: transparent;
  color: var(--kv-muted);
  border: 1px solid var(--kv-border);
  border-radius: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  transition: color 0.15s, border-color 0.15s;
}
.btn-pdf:hover { color: var(--kv-text); border-color: var(--kv-text); }

.btn-reset {
  width: 100%;
  padding: 8px;
  background: transparent;
  color: var(--kv-muted);
  border: 1px solid var(--kv-border);
  border-radius: 8px;
  font-size: 0.85rem;
  cursor: pointer;
}
.btn-reset:hover { color: var(--kv-fail); border-color: var(--kv-fail); }

/* ── Checkbox field ── */
.sensitivity-field { margin-bottom: 0; }
.checkbox-label {
  flex-direction: row !important;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  user-select: none;
  color: var(--kv-muted);
  font-size: 0.82rem;
}
.checkbox-label input[type="checkbox"] {
  width: 15px;
  height: 15px;
  accent-color: var(--kv-accent);
  cursor: pointer;
  flex-shrink: 0;
}

/* ── Out-of-pocket note ── */
.out-of-pocket-note {
  padding: 10px 14px;
  border-radius: 7px;
  font-size: 0.88rem;
  border: 1px solid var(--kv-warn);
  background: rgba(245,158,11,0.08);
  color: var(--kv-warn);
}

/* ── Warning banner ── */
.warning-banner {
  display: none;
  padding: 10px 14px;
  border-radius: 7px;
  font-size: 0.85rem;
  border: 1px solid;
  margin-bottom: 12px;
}
.warning-banner.warn {
  display: block;
  background: rgba(245,158,11,0.1);
  border-color: var(--kv-warn);
  color: var(--kv-warn);
}
.warning-banner.fail {
  display: block;
  background: rgba(239,68,68,0.1);
  border-color: var(--kv-fail);
  color: var(--kv-fail);
}

/* ── Results panel ── */
.results-panel {
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-width: 0;   /* prevent grid column from expanding to table content width */
}

.placeholder {
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 10px;
  padding: 40px 20px;
  text-align: center;
  color: var(--kv-muted);
  font-size: 0.95rem;
}

/* ── Summary cards ── */
.summary-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
@media (max-width: 500px) {
  .summary-cards { grid-template-columns: 1fr; }
}

.summary-card {
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 8px;
  padding: 14px;
  text-align: center;
}
.summary-card .card-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--kv-muted);
}
.summary-card .card-value {
  font-size: 1.5rem;
  font-weight: 700;
  margin: 4px 0 2px;
}
.summary-card .card-sub {
  font-size: 0.75rem;
  color: var(--kv-muted);
}

.summary-card.pre-budget-card {
  background: color-mix(in srgb, var(--kv-warn) 10%, var(--kv-card));
  border-color: var(--kv-warn);
  box-shadow: 0 0 0 1px color-mix(in srgb, var(--kv-warn) 40%, transparent);
}
.summary-card.pre-budget-card .card-label {
  color: var(--kv-warn);
}

.pass  { color: var(--kv-pass); }
.fail  { color: var(--kv-fail); }
.warn  { color: var(--kv-warn); }

/* ── Charts ── */
.chart-card {
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 10px;
  padding: 16px;
}
.chart-card h3 {
  font-size: 0.88rem;
  color: var(--kv-muted);
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.chart-card canvas { width: 100% !important; height: 240px !important; display: block; }

/* ── Verdict ── */
.verdict {
  padding: 14px 18px;
  border-radius: 8px;
  border: 1px solid;
  font-size: 0.95rem;
  font-weight: 600;
}
.verdict.pass {
  background: rgba(34,197,94,0.1);
  border-color: var(--kv-pass);
  color: var(--kv-pass);
}
.verdict.warn {
  background: rgba(245,158,11,0.1);
  border-color: var(--kv-warn);
  color: var(--kv-warn);
}
.verdict.fail {
  background: rgba(239,68,68,0.1);
  border-color: var(--kv-fail);
  color: var(--kv-fail);
}

/* ── Chart explainer ── */
.chart-explainer {
  font-size: 0.78rem;
  color: var(--kv-muted);
  margin-bottom: 12px;
  line-height: 1.5;
}

.chart-cgt-note {
  font-size: 0.75rem;
  color: var(--kv-muted);
  margin-top: 8px;
  line-height: 1.4;
  opacity: 0.8;
}

/* ── Table glossary ── */
.table-glossary {
  padding: 12px 16px 10px;
  border-bottom: 1px solid var(--kv-border);
}
.glossary-title {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--kv-muted);
  margin-bottom: 8px;
}
.glossary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px 24px;
}
@media (max-width: 600px) {
  .glossary-grid { grid-template-columns: 1fr; }
}
.glossary-grid > div { display: flex; flex-direction: column; gap: 1px; }
.glossary-grid dt {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--kv-text);
}
.glossary-grid dd {
  font-size: 0.73rem;
  color: var(--kv-muted);
  margin: 0;
  line-height: 1.4;
}

/* ── Year table ── */
.table-card {
  background: var(--kv-card);
  border: 1px solid var(--kv-border);
  border-radius: 10px;
  overflow: hidden;
  width: 100%;
  min-width: 0;
}
.table-card summary {
  padding: 12px 16px;
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--kv-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.table-card summary::after { content: "▸"; transition: transform 0.2s; }
.table-card[open] summary::after { transform: rotate(90deg); }
.table-card summary::-webkit-details-marker { display: none; }

.table-wrap { overflow-x: auto; }

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}
thead th {
  padding: 8px 12px;
  background: var(--kv-card-2);
  color: var(--kv-muted);
  font-weight: 600;
  text-align: right;
  white-space: nowrap;
  border-bottom: 1px solid var(--kv-border);
}
thead th:first-child { text-align: left; }
tbody td {
  padding: 7px 12px;
  text-align: right;
  border-bottom: 1px solid var(--kv-border);
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}
tbody td:first-child { text-align: left; font-weight: 600; }
tbody tr:last-child td { border-bottom: none; }
tbody tr:hover { background: var(--kv-card-2); }
.td-pass { color: var(--kv-pass); }
.td-warn { color: var(--kv-warn); }

/* ── Tooltip ── */
.tip {
  display: inline-block;
  width: 14px;
  height: 14px;
  background: var(--kv-card-2);
  border: 1px solid var(--kv-border);
  border-radius: 50%;
  font-size: 0.65rem;
  text-align: center;
  line-height: 13px;
  color: var(--kv-muted);
  cursor: help;
  position: relative;
}
.tip:hover::after {
  content: attr(data-tip);
  position: absolute;
  left: 20px;
  top: -4px;
  background: var(--kv-card-2);
  border: 1px solid var(--kv-border);
  border-radius: 6px;
  padding: 6px 10px;
  font-size: 0.78rem;
  color: var(--kv-text);
  white-space: pre-wrap;
  width: 220px;
  z-index: 10;
  line-height: 1.4;
  font-weight: 400;
}

/* ── Print inputs summary (hidden in browser, shown in PDF) ── */
.print-inputs { display: none; }

/* ── Print / PDF ── */
@media print {
  * { -webkit-print-color-adjust: exact; print-color-adjust: exact; }

  .tabs, .input-panel, .btn-pdf, footer { display: none !important; }

  .app-header { padding: 12px 0; border-bottom: 1px solid #334155; }
  .home-logo { display: none; }

  main { padding: 0; max-width: 100%; }

  .layout { display: block; }

  .results-panel { display: flex !important; gap: 12px; }

  .placeholder { display: none !important; }

  #results { display: flex !important; }

  /* Force table open for print */
  #yearDetails { display: block; }
  #yearDetails summary { display: none; }

  .chart-card { page-break-inside: avoid; }
  .table-card  { page-break-inside: avoid; }
  .summary-cards { page-break-inside: avoid; }

  .print-inputs {
    display: block;
    background: var(--kv-card);
    border: 1px solid var(--kv-border);
    border-radius: 10px;
    padding: 14px 16px;
    page-break-inside: avoid;
  }
  .print-inputs h3 {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    color: var(--kv-muted);
    margin-bottom: 10px;
  }
  .print-inputs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0 32px;
  }
  .pi-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 4px 0;
    border-bottom: 1px solid var(--kv-border);
    font-size: 0.82rem;
    gap: 8px;
  }
  .pi-row:last-child { border-bottom: none; }
  .pi-label { color: var(--kv-muted); }
  .pi-value { font-weight: 600; text-align: right; }
}

/* ── Budget badge ── */
.budget-badge {
  display: inline-block;
  margin-top: 8px;
  padding: 4px 10px;
  background: color-mix(in srgb, var(--kv-pass) 15%, var(--kv-card));
  border: 1px solid var(--kv-pass);
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--kv-pass);
  letter-spacing: 0.3px;
}

/* ── Tool info & FAQ ── */
.tool-info {
  max-width: 900px;
  margin: 48px auto 0;
  padding: 0 20px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
@media (max-width: 680px) { .tool-info { grid-template-columns: 1fr; } }
.tool-info h2 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--kv-text);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--kv-border);
}
.tool-about p { font-size: 0.9rem; color: var(--kv-muted); line-height: 1.6; margin-bottom: 8px; }
.faq-item { border-bottom: 1px solid var(--kv-border); padding: 10px 0; }
.faq-item summary {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--kv-text);
  cursor: pointer;
  list-style: none;
  padding-right: 20px;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; position: absolute; right: 0; color: var(--kv-muted); }
.faq-item[open] summary::after { content: '−'; }
.faq-item p { font-size: 0.85rem; color: var(--kv-muted); line-height: 1.6; margin-top: 8px; }
.faq-item ul { font-size: 0.85rem; color: var(--kv-muted); line-height: 1.6; margin-top: 8px; padding-left: 18px; }
.faq-item li { margin-bottom: 4px; }
.faq-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 1px 6px;
  border-radius: 4px;
  margin-left: 6px;
  vertical-align: middle;
  background: color-mix(in srgb, var(--kv-pass) 15%, var(--kv-card));
  border: 1px solid var(--kv-pass);
  color: var(--kv-pass);
  letter-spacing: 0.3px;
}

/* ── Tool navigation bar ── */
.kv-tool-nav{display:flex;justify-content:center;overflow-x:auto;border-bottom:1px solid var(--kv-border);background:var(--kv-bg);padding:0 16px;scrollbar-width:none;}
.kv-tool-nav::-webkit-scrollbar{display:none;}
.kv-tool-nav a{flex-shrink:0;padding:10px 14px;font-size:0.82rem;font-weight:500;color:var(--kv-muted);text-decoration:none;border-bottom:2px solid transparent;white-space:nowrap;transition:color 0.15s;}
.kv-tool-nav a:hover{color:var(--kv-text);}
.kv-tool-nav a.kv-nav-active{color:var(--kv-accent);border-bottom-color:var(--kv-accent);}
html:not(.dark) .kv-tool-nav{background:#edf2f7;border-color:#e2e8f0;}
html:not(.dark) .kv-tool-nav a{color:#475569;}
html:not(.dark) .kv-tool-nav a:hover{color:#0f172a;}
html:not(.dark) .kv-tool-nav a.kv-nav-active{color:#0369a1;border-bottom-color:#0369a1;}
@media(max-width:800px){.kv-tool-nav{justify-content:flex-start;}}