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

:root {
    --bg: #fafafa;
    --surface: #fff;
    --text: #111;
    --text-2: #555;
    --text-3: #888;
    --border: #e2e2e2;
    --border-focus: #111;
    --accent: #111;
    --accent-soft: #f3f3f3;
    --radius: 2px;
    --mono: "SF Mono", "Roboto Mono", "Menlo", monospace;
    --chart-line: #e2e2e2;
    --chart-text: #888;
}

@media (prefers-color-scheme: dark) {
    :root {
        --bg: #1a1a1a;
        --surface: #242424;
        --text: #e0e0e0;
        --text-2: #aaa;
        --text-3: #777;
        --border: #444;
        --border-focus: #999;
        --accent: #e0e0e0;
        --accent-soft: #2d2d2d;
        --chart-line: #444;
        --chart-text: #777;
    }
}

:root[data-theme="dark"] {
    --bg: #1a1a1a;
    --surface: #242424;
    --text: #e0e0e0;
    --text-2: #aaa;
    --text-3: #777;
    --border: #444;
    --border-focus: #999;
    --accent: #e0e0e0;
    --accent-soft: #2d2d2d;
    --chart-line: #444;
    --chart-text: #777;
}

:root[data-theme="light"] {
    --bg: #fafafa;
    --surface: #fff;
    --text: #111;
    --text-2: #555;
    --text-3: #888;
    --border: #e2e2e2;
    --border-focus: #111;
    --accent: #111;
    --accent-soft: #f3f3f3;
    --chart-line: #e2e2e2;
    --chart-text: #888;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, "Inter", "Segoe UI", system-ui, sans-serif;
    max-width: 780px;
    margin: 0 auto;
    padding: 2.5rem 1.5rem 4rem;
    line-height: 1.55;
    color: var(--text);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    color-scheme: light;
}

:root[data-theme="dark"] body {
    color-scheme: dark;
}

/* Hook */
.hook {
    margin-bottom: 2rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--border);
}

.hook-line {
    font-size: 1.5rem;
    font-weight: 300;
    line-height: 1.3;
    letter-spacing: -0.02em;
    color: var(--text-2);
}

.hook-value {
    font-family: var(--mono);
    font-weight: 500;
    color: var(--text);
}

.hook-emphasis {
    color: var(--text);
    font-weight: 700;
    font-size: 1.55rem;
}

.hook-sub {
    font-size: 0.8125rem;
    color: var(--text-3);
    margin-top: 0.35rem;
    letter-spacing: 0.02em;
}

/* Header row */
.header-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
}

.country-toggle {
    display: inline-flex;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}

.country-btn {
    border: none;
    background: var(--surface);
    padding: 0.3rem 0.9rem;
    font-size: 0.75rem;
    font-weight: 500;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    cursor: pointer;
    color: var(--text-2);
    transition: all 0.1s;
}

.country-btn.active {
    background: var(--accent);
    color: #fff;
}

.country-btn:not(.active):hover {
    background: var(--accent-soft);
    color: var(--text);
}

.clear-btn {
    background: none;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.3rem 0.75rem;
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-3);
    cursor: pointer;
    transition: all 0.1s;
}

.clear-btn:hover {
    border-color: var(--text);
    color: var(--text);
}

/* Header actions */
.header-actions {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

/* Theme toggle */
.theme-toggle {
    background: none;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.3rem 0.75rem;
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-3);
    cursor: pointer;
    transition: all 0.1s;
}

.theme-toggle:hover {
    border-color: var(--text);
    color: var(--text);
}

.theme-icon { display: none; }
:root[data-theme-mode="auto"], :root:not([data-theme-mode]) { }
:root[data-theme-mode="auto"] .theme-icon-auto,
:root:not([data-theme-mode]) .theme-icon-auto { display: inline; }
:root[data-theme-mode="light"] .theme-icon-light { display: inline; }
:root[data-theme-mode="dark"] .theme-icon-dark { display: inline; }

/* Country info */
.country-info {
    margin-bottom: 1.5rem;
    font-size: 0.75rem;
    line-height: 1.55;
    color: var(--text-2);
}

.country-info-label {
    display: inline-block;
    font-size: 0.625rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-3);
    margin-bottom: 0.35rem;
}

.country-info ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.country-info li {
    padding-left: 0.75rem;
    position: relative;
    margin-bottom: 0.25rem;
}

.country-info li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.55em;
    width: 3px;
    height: 3px;
    background: var(--text-3);
    border-radius: 50%;
}

.country-info li strong {
    color: var(--text);
    font-weight: 600;
}

/* Sections */
.section {
    margin-bottom: 1.5rem;
}

.section-title {
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-3);
    margin-bottom: 0.75rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

/* Core row */
.core-row {
    margin-bottom: 0.75rem;
}

/* Input rows */
.input-row {
    display: flex;
    gap: 0.625rem;
    flex-wrap: wrap;
}

.input-row .field {
    flex: 1;
    min-width: 130px;
}

.field label {
    display: block;
    font-size: 0.6875rem;
    font-weight: 500;
    letter-spacing: 0.02em;
    margin-bottom: 0.25rem;
    color: var(--text-2);
}

.input-wrap {
    display: flex;
    align-items: center;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    background: var(--surface);
    transition: border-color 0.1s;
}

.input-wrap:focus-within {
    border-color: var(--border-focus);
    box-shadow: none;
}

.input-wrap input[readonly] {
    background: var(--accent-soft);
    color: var(--text-2);
    cursor: default;
}

.input-wrap input {
    flex: 1;
    border: none;
    padding: 0.5rem 0.6rem;
    font-size: 0.875rem;
    font-family: var(--mono);
    font-weight: 400;
    outline: none;
    width: 100%;
    min-width: 0;
    color: var(--text);
}

.prefix, .suffix {
    padding: 0.5rem 0.55rem;
    background: var(--accent-soft);
    color: var(--text-3);
    font-size: 0.75rem;
    font-weight: 500;
    white-space: nowrap;
    letter-spacing: 0;
}

.prefix {
    border-right: 1px solid var(--border);
}

.suffix {
    border-left: 1px solid var(--border);
}

select {
    width: 100%;
    padding: 0.5rem 0.5rem;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    font-size: 0.8125rem;
    font-weight: 500;
    background: var(--surface);
    cursor: pointer;
    color: var(--text);
}

select:focus {
    border-color: var(--border-focus);
    box-shadow: none;
    outline: none;
}

/* Scenario hint */
.scenario-hint {
    font-size: 0.6875rem;
    color: var(--text-3);
    margin-bottom: 0.5rem;
    line-height: 1.45;
}

/* Collapsible sections */
.section-toggle {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    text-align: left;
}

.section-toggle .section-title {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

.toggle-arrow {
    font-size: 0.625rem;
    color: var(--text-3);
    transition: transform 0.15s;
    display: inline-block;
}

.toggle-arrow.open {
    transform: rotate(180deg);
}

.section-body {
    overflow: hidden;
    transition: max-height 0.25s ease, opacity 0.2s ease, margin 0.2s ease;
    max-height: 500px;
    opacity: 1;
    margin-top: 0.75rem;
}

.section-body.collapsed {
    max-height: 0;
    opacity: 0;
    margin-top: 0;
}

/* PMI row */
.pmi-row {
    margin-top: 0.5rem;
}

.pmi-row .field {
    max-width: 200px;
}

.hint {
    font-size: 0.6875rem;
    color: var(--text-3);
    margin-top: 0.4rem;
    line-height: 1.45;
}

.hint.warning {
    color: #c0392b;
    font-size: 0.8125rem;
    font-weight: 600;
    margin-top: 0.5rem;
}

:root[data-theme="dark"] .hint.warning {
    color: #e85555;
}

/* Term cards */
.terms-list {
    margin-bottom: 0.375rem;
}

.term-card {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.75rem 0.9rem;
    margin-bottom: 0.375rem;
    background: var(--surface);
}

.term-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.5rem;
}

.term-card-header h3 {
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-2);
}

.remove-term {
    background: none;
    border: none;
    color: var(--text-3);
    font-size: 0.875rem;
    cursor: pointer;
    padding: 0 0.2rem;
    line-height: 1;
    transition: color 0.1s;
}

.remove-term:hover {
    color: #c0392b;
}

.term-fields {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 0.5rem;
}

.term-fields .field {
    min-width: 0;
}

.btn-link {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.4rem 0.8rem;
    color: var(--text-2);
    cursor: pointer;
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    width: 100%;
    transition: all 0.1s;
}

.btn-link:hover {
    border-color: var(--text);
    color: var(--text);
}

/* Results */
.results-section {
    display: none;
}

.results-section.visible {
    display: block;
}

.result-summary {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 0.375rem;
    margin-bottom: 1.25rem;
}

.summary-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.75rem 0.9rem;
    text-align: left;
}

.summary-card .label {
    font-size: 0.625rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-3);
    margin-bottom: 0.2rem;
}

.summary-card .value {
    font-size: 1.125rem;
    font-weight: 600;
    font-family: var(--mono);
    letter-spacing: -0.02em;
    color: var(--text);
}

.summary-card.accent {
    background: var(--accent);
    border-color: var(--accent);
    color: #fff;
}

.summary-card.accent .label {
    color: rgba(255,255,255,0.55);
}

.summary-card.accent .value {
    color: #fff;
}

.biweekly-compare {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.65rem 0.9rem;
    margin-bottom: 1.25rem;
    font-size: 0.8125rem;
    color: var(--text-2);
    line-height: 1.5;
}

.biweekly-compare strong {
    color: var(--text);
    font-weight: 600;
}

.term-result {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.65rem 0.9rem;
    margin-bottom: 0.375rem;
    background: var(--surface);
}

.term-result h4 {
    font-size: 0.6875rem;
    font-weight: 600;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--text-2);
    margin-bottom: 0.4rem;
}

.term-result-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 0.3rem 0.75rem;
    font-size: 0.8125rem;
}

.term-result-grid dt {
    color: var(--text-3);
    font-size: 0.6875rem;
    font-weight: 500;
    letter-spacing: 0.02em;
}

.term-result-grid dd {
    font-weight: 500;
    font-family: var(--mono);
    font-size: 0.8125rem;
    letter-spacing: -0.01em;
    margin-left: 0;
    color: var(--text);
}

/* Scenario comparison */
.scenario-compare {
    margin-bottom: 1.25rem;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}

.scenario-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.8125rem;
}

.scenario-table th {
    font-size: 0.625rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-3);
    padding: 0.5rem 0.7rem;
    border-bottom: 1px solid var(--border);
    background: var(--accent-soft);
    text-align: right;
    white-space: nowrap;
}

.scenario-table th:first-child {
    text-align: left;
}

.scenario-table td {
    padding: 0.4rem 0.7rem;
    border-bottom: 1px solid var(--border);
    text-align: right;
    font-family: var(--mono);
    font-size: 0.8125rem;
    letter-spacing: -0.01em;
    white-space: nowrap;
}

.scenario-table td:first-child {
    text-align: left;
    font-family: -apple-system, system-ui, sans-serif;
    color: var(--text-2);
}

.scenario-table tr:last-child td {
    border-bottom: none;
}

.scenario-label {
    font-size: 0.625rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.scenario-label.opt { color: #2a7a4a; }
.scenario-label.pess { color: #a83232; }

:root[data-theme="dark"] .scenario-label.opt { color: #4eca7a; }
:root[data-theme="dark"] .scenario-label.pess { color: #e85555; }

/* Dark mode: accent card uses inverted scheme */
:root[data-theme="dark"] .summary-card.accent {
    background: #e0e0e0;
    border-color: #e0e0e0;
    color: #1a1a1a;
}
:root[data-theme="dark"] .summary-card.accent .label {
    color: rgba(26,26,26,0.55);
}
:root[data-theme="dark"] .summary-card.accent .value {
    color: #1a1a1a;
}

/* Dark mode: active buttons */
:root[data-theme="dark"] .country-btn.active,
:root[data-theme="dark"] .toggle-btn.active {
    background: var(--text);
    color: var(--bg);
}

/* Dark mode: inputs */
:root[data-theme="dark"] .input-wrap input {
    background: transparent;
    color: var(--text);
    caret-color: var(--text);
}

:root[data-theme="dark"] .input-wrap input[readonly] {
    color: var(--text-3);
}

:root[data-theme="dark"] select {
    background: var(--surface);
    color: var(--text);
}

:root[data-theme="dark"] .input-wrap input:-webkit-autofill {
    -webkit-box-shadow: 0 0 0 30px #242424 inset;
    -webkit-text-fill-color: var(--text);
}

/* Missing years */
.missing-years {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.65rem 0.9rem;
    margin-bottom: 1.25rem;
    font-size: 0.8125rem;
    color: var(--text-2);
    line-height: 1.55;
}

.missing-years strong {
    color: var(--text);
    font-weight: 600;
    font-family: var(--mono);
}

/* Charts */
.chart-section {
    display: none;
}

.chart-section.visible {
    display: block;
}

canvas {
    width: 100%;
    height: 280px;
}

/* Schedule toggle */
.schedule-toggle {
    display: inline-flex;
    gap: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}

.toggle-btn {
    border: none;
    background: var(--surface);
    padding: 0.2rem 0.6rem;
    font-size: 0.625rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    cursor: pointer;
    color: var(--text-2);
    transition: all 0.1s;
}

.toggle-btn.active {
    background: var(--accent);
    color: #fff;
}

/* Amortization table */
.table-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border: 1px solid var(--border);
    border-radius: var(--radius);
}

#schedule-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.75rem;
    font-family: var(--mono);
}

#schedule-table th {
    background: var(--accent-soft);
    text-align: right;
    padding: 0.4rem 0.6rem;
    border-bottom: 1px solid var(--border);
    font-weight: 600;
    font-size: 0.625rem;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: var(--text-2);
    white-space: nowrap;
    position: sticky;
    top: 0;
}

#schedule-table th:first-child {
    text-align: left;
}

#schedule-table td {
    text-align: right;
    padding: 0.35rem 0.6rem;
    border-bottom: 1px solid var(--border);
    white-space: nowrap;
    color: var(--text);
}

#schedule-table td:first-child {
    text-align: left;
    color: var(--text-2);
}

#schedule-table tbody tr.term-boundary td {
    border-top: 2px solid var(--text-3);
}

/* Footer */
.tool-footer {
    margin-top: 3rem;
    padding-top: 1rem;
    border-top: 1px solid var(--border);
    font-size: 0.6875rem;
    line-height: 1.55;
    color: var(--text-3);
}

/* Responsive */
@media (max-width: 500px) {
    body {
        padding: 1.25rem 0.75rem 3rem;
    }

    .hook-line {
        font-size: 1.2rem;
    }

    .term-fields {
        grid-template-columns: 1fr 1fr;
    }
    .result-summary {
        grid-template-columns: 1fr 1fr;
    }
    .term-result-grid {
        grid-template-columns: 1fr 1fr;
    }
}