/* totalinterestcalc.com — shared stylesheet */
/* Self-hosted JetBrains Mono (latin subset, woff2) */
@font-face{font-family:'JetBrains Mono';font-style:normal;font-weight:400;font-display:swap;
  src:url('/assets/fonts/jetbrains-mono-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'JetBrains Mono';font-style:normal;font-weight:500;font-display:swap;
  src:url('/assets/fonts/jetbrains-mono-latin-500-normal.woff2') format('woff2')}
@font-face{font-family:'JetBrains Mono';font-style:normal;font-weight:700;font-display:swap;
  src:url('/assets/fonts/jetbrains-mono-latin-700-normal.woff2') format('woff2')}
@font-face{font-family:'JetBrains Mono';font-style:normal;font-weight:800;font-display:swap;
  src:url('/assets/fonts/jetbrains-mono-latin-800-normal.woff2') format('woff2')}

:root[data-theme="light"]{
  --bg:#ffffff; --bg-raise:#fafafa; --bg-panel:#ffffff; --line:#e6e8ee;
  --ink:#1c2230; --ink-dim:#5d6675; --ink-faint:#9aa1ae;
  --principal:#1273c4; --interest:#d92f2f; --interest-glow:rgba(217,47,47,.07);
  --save:#0e9f6e; --save-glow:rgba(14,159,110,.09);
  --accent:#c77800; --grid:#f1f2f6;
  --shadow:0 14px 40px rgba(28,34,48,.09);
}
:root[data-theme="dark"]{
  --bg:#0b0e14; --bg-raise:#11151f; --bg-panel:#151a26; --line:#222a3a;
  --ink:#dde3ee; --ink-dim:#8b95a9; --ink-faint:#5a6378;
  --principal:#3fa9f5; --interest:#ff5d5d; --interest-glow:rgba(255,93,93,.14);
  --save:#3ddc97; --save-glow:rgba(61,220,151,.12);
  --accent:#ffb454; --grid:#1b2230;
  --shadow:0 18px 50px rgba(0,0,0,.5);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'JetBrains Mono',ui-monospace,Menlo,Consolas,monospace;
  background:var(--bg);color:var(--ink);line-height:1.55;font-size:15px;
  transition:background .25s,color .25s}
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:0;
  background:linear-gradient(var(--grid) 1px,transparent 1px) 0 0/100% 56px,
    linear-gradient(90deg,var(--grid) 1px,transparent 1px) 0 0/56px 100%;
  opacity:.35;mask-image:radial-gradient(ellipse 90% 60% at 50% 0%,#000 0%,transparent 75%)}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px;position:relative;z-index:1}
a{color:var(--principal)}

header{border-bottom:1px solid var(--line);background:color-mix(in srgb,var(--bg) 80%,transparent);
  backdrop-filter:blur(8px);position:sticky;top:0;z-index:50}
.hrow{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{font-weight:800;font-size:16px;letter-spacing:-.5px;text-decoration:none;color:var(--ink)}
.logo b{color:var(--interest)}.logo span{color:var(--ink-faint);font-weight:400}
nav{display:flex;gap:22px;align-items:center}
nav a{color:var(--ink-dim);text-decoration:none;font-size:13px}
nav a:hover{color:var(--ink)}
#themeBtn{background:var(--bg-panel);border:1px solid var(--line);color:var(--ink);
  border-radius:8px;padding:6px 12px;font:inherit;font-size:13px;cursor:pointer}
#themeBtn:hover{border-color:var(--ink-faint)}
#menuBtn{display:none;background:none;border:1px solid var(--line);border-radius:8px;
  color:var(--ink);font:inherit;padding:6px 10px;cursor:pointer}
@media(max-width:760px){
  nav{position:fixed;inset:60px 0 auto 0;background:var(--bg);border-bottom:1px solid var(--line);
    flex-direction:column;align-items:flex-start;padding:16px 24px;gap:14px;display:none}
  nav.open{display:flex}
  nav a{display:block;font-size:15px}
  #menuBtn{display:block}
}

.crumb{font-size:12px;color:var(--ink-faint);margin:22px 0 0}
.crumb a{color:var(--ink-dim);text-decoration:none}
.kicker{margin:34px 0 6px;color:var(--accent);font-size:12px;letter-spacing:.22em;text-transform:uppercase}
h1{font-size:clamp(24px,4vw,36px);font-weight:800;letter-spacing:-1px;line-height:1.18}
h1 em{font-style:normal;color:var(--interest);text-decoration:underline;
  text-decoration-thickness:3px;text-underline-offset:6px;
  text-decoration-color:color-mix(in srgb,var(--interest) 50%,transparent)}
.sub{color:var(--ink-dim);max-width:62ch;margin-top:10px;font-size:14px}
.promise{display:inline-flex;gap:8px;align-items:center;margin-top:14px;font-size:12px;
  color:var(--save);background:var(--save-glow);
  border:1px solid color-mix(in srgb,var(--save) 35%,transparent);
  padding:5px 12px;border-radius:999px}

.calc{display:grid;grid-template-columns:340px 1fr;gap:22px;margin:32px 0 0;align-items:start}
@media(max-width:860px){.calc{grid-template-columns:1fr}}
.panel{background:var(--bg-panel);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow)}
.panel-pad{padding:22px}
.panel h2{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:18px}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;font-size:12px;color:var(--ink-dim);margin-bottom:7px}
.field label output{color:var(--ink);font-weight:700}
.inrow{display:flex;border:1px solid var(--line);border-radius:9px;overflow:hidden;background:var(--bg-raise)}
.inrow:focus-within{border-color:var(--principal)}
.inrow .unit{padding:10px 12px;color:var(--ink-faint);border-right:1px solid var(--line);font-size:14px;user-select:none}
.inrow input,.inrow select{flex:1;min-width:0;background:transparent;border:0;outline:0;color:var(--ink);
  font:inherit;font-size:16px;font-weight:700;padding:10px 12px}
select{cursor:pointer}
input[type=range]{width:100%;accent-color:var(--save);cursor:pointer;margin-top:2px}
.seg{display:grid;grid-template-columns:repeat(4,1fr);gap:6px}
.seg button{background:var(--bg-raise);border:1px solid var(--line);color:var(--ink-dim);
  font:inherit;font-size:13px;font-weight:700;padding:9px 0;border-radius:8px;cursor:pointer}
.seg button.on{background:var(--ink);color:var(--bg);border-color:var(--ink)}
.hint{font-size:11px;color:var(--ink-faint);margin-top:6px}

.shock{padding:26px 26px 22px;border-bottom:1px solid var(--line);
  background:radial-gradient(120% 160% at 85% -20%,var(--interest-glow),transparent 60%)}
.shock .lbl{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-dim)}
.shock .big{font-size:clamp(38px,6.5vw,64px);font-weight:800;letter-spacing:-2.5px;line-height:1.05;
  color:var(--interest);margin:6px 0 2px;font-variant-numeric:tabular-nums}
.shock .ctx{color:var(--ink-dim);font-size:13px}
.shock .ctx b{color:var(--ink)}
.badge{display:inline-block;margin-top:12px;font-size:12px;font-weight:700;
  color:var(--interest);border:1px solid color-mix(in srgb,var(--interest) 45%,transparent);
  background:var(--interest-glow);padding:5px 12px;border-radius:999px}

.split{padding:18px 26px;border-bottom:1px solid var(--line)}
.bar{display:flex;height:30px;border-radius:8px;overflow:hidden;border:1px solid var(--line)}
.bar div{display:flex;align-items:center;padding:0 10px;font-size:11px;font-weight:700;color:#fff;
  white-space:nowrap;overflow:hidden;transition:width .45s cubic-bezier(.2,.8,.2,1)}
.bar .bp{background:var(--principal)}.bar .bi{background:var(--interest)}
.legend{display:flex;gap:18px;margin-top:9px;font-size:12px;color:var(--ink-dim);flex-wrap:wrap}
.dot{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:6px;vertical-align:1px}

.stats{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--line)}
.stat{padding:16px 20px;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat .k{font-size:11px;color:var(--ink-faint);letter-spacing:.1em;text-transform:uppercase}
.stat .v{font-size:19px;font-weight:800;margin-top:3px;font-variant-numeric:tabular-nums}
@media(max-width:600px){.stats{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}}

.scen{padding:20px 26px;border-bottom:1px solid var(--line);
  background:radial-gradient(110% 180% at 0% 120%,var(--save-glow),transparent 55%)}
.scen .row{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:8px}
.scen h3{font-size:13px;letter-spacing:.05em}
.scen .save{color:var(--save);font-weight:800;font-size:17px;font-variant-numeric:tabular-nums}
.scen .meta{font-size:12px;color:var(--ink-dim);margin-top:6px}
.scen .meta b{color:var(--save)}

.chartbox{padding:20px 14px 8px}
.chartbox h3{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-faint);padding:0 12px 8px}
svg text{font-family:'JetBrains Mono',monospace}

.sched{margin-top:8px;padding:10px 26px 22px;overflow-x:auto}
.sched table,table.static{width:100%;border-collapse:collapse;font-size:12.5px;font-variant-numeric:tabular-nums}
.sched th,table.static th{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);
  text-align:right;padding:8px 6px;border-bottom:1px solid var(--line)}
.sched th:first-child,.sched td:first-child,table.static th:first-child,table.static td:first-child{text-align:left}
.sched td,table.static td{padding:7px 6px;text-align:right;border-bottom:1px solid var(--line);color:var(--ink-dim)}
.sched td.ci{color:var(--interest);font-weight:700}
.sched tr:hover td,table.static tr:hover td{color:var(--ink)}
.acts{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.btn{font:inherit;font-size:13px;font-weight:700;padding:10px 16px;border-radius:9px;cursor:pointer;
  border:1px solid var(--line);background:var(--bg-raise);color:var(--ink);text-decoration:none}
.btn:hover{border-color:var(--ink-faint)}
.btn.primary{background:var(--interest);border-color:var(--interest);color:#fff}
.btn.primary:hover{filter:brightness(1.08)}

.prose{max-width:74ch;margin:44px 0;font-size:14.5px}
.prose h2{font-size:19px;font-weight:800;letter-spacing:-.4px;margin:34px 0 12px}
.prose h3{font-size:15px;font-weight:700;margin:24px 0 8px}
.prose p{margin:0 0 14px;color:var(--ink-dim)}
.prose b,.prose strong{color:var(--ink)}
.prose ul,.prose ol{margin:0 0 14px 22px;color:var(--ink-dim)}
.prose li{margin-bottom:6px}
.prose code{background:var(--bg-raise);border:1px solid var(--line);border-radius:5px;
  padding:1px 6px;font-size:13px;color:var(--accent)}
.prose table.static{margin:18px 0}

.faq{max-width:74ch;margin:40px 0 60px}
.faq h2{font-size:19px;font-weight:800;margin-bottom:14px}
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:var(--bg-panel)}
.faq summary{padding:14px 18px;cursor:pointer;font-weight:700;font-size:13.5px;list-style:none}
.faq summary::before{content:"+ ";color:var(--accent)}
.faq details[open] summary::before{content:"− "}
.faq details p{padding:0 18px 14px;font-size:13.5px;color:var(--ink-dim)}

.tools{margin:56px 0}
.tools h2{font-size:20px;font-weight:800;letter-spacing:-.5px;margin-bottom:4px}
.tools>p{color:var(--ink-dim);font-size:13px;margin-bottom:20px}
.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px}
.tcard{background:var(--bg-panel);border:1px solid var(--line);border-radius:12px;padding:18px;
  text-decoration:none;color:var(--ink);transition:transform .15s,border-color .15s;display:block}
.tcard:hover{transform:translateY(-3px);border-color:var(--accent)}
.tcard .num{font-size:11px;color:var(--accent);letter-spacing:.15em}
.tcard h3{font-size:14.5px;margin:6px 0 5px;font-weight:700}
.tcard p{font-size:12px;color:var(--ink-dim);margin:0}

.cmp{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
@media(max-width:720px){.cmp{grid-template-columns:1fr}}
.cmp .panel{padding:22px}
.cmp h3{font-size:13px;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:10px}
.cmp .big2{font-size:30px;font-weight:800;letter-spacing:-1.5px;color:var(--interest);font-variant-numeric:tabular-nums}
.cmp .row2{display:flex;justify-content:space-between;font-size:13px;padding:7px 0;border-bottom:1px solid var(--line);color:var(--ink-dim)}
.cmp .row2 b{color:var(--ink);font-variant-numeric:tabular-nums}
.verdict{margin-top:18px;padding:16px 20px;border:1px solid color-mix(in srgb,var(--save) 35%,transparent);
  background:var(--save-glow);border-radius:12px;font-size:13.5px}
.verdict b{color:var(--save)}

footer{border-top:1px solid var(--line);margin-top:30px;padding:44px 0 26px;color:var(--ink-faint);font-size:13px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr 1fr;gap:28px}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.fgrid{grid-template-columns:1fr}}
.flogo{display:flex;align-items:center;gap:10px;text-decoration:none}
.flogo .badge2{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;
  border-radius:9px;background:var(--ink);color:var(--bg);font-weight:800;font-size:15px;letter-spacing:-.5px}
.flogo .word{font-size:18px;font-weight:800;color:var(--ink);letter-spacing:-.5px}
.flogo .word em{font-style:normal;color:var(--interest)}
.fbrand p{margin-top:12px;max-width:32ch;color:var(--ink-dim);line-height:1.55}
footer h6{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:14px;font-weight:700}
footer ul{list-style:none}
footer li{margin-bottom:11px}
footer a{color:var(--ink-dim);text-decoration:none;font-size:13.5px}
footer a:hover{color:var(--ink)}
.fbottom{margin-top:34px;padding-top:18px;border-top:1px solid var(--line);max-width:none;
  display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;color:var(--ink-faint);font-size:12.5px}

@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.r1,.r2,.r3{animation:rise .55s cubic-bezier(.2,.8,.2,1) both}
.r2{animation-delay:.1s}.r3{animation-delay:.2s}
@media print{header,footer,.scen,.acts,nav,#themeBtn{display:none!important}body::before{display:none}}

/* free-tools network cards */
:root[data-theme="light"]{--linkblue:#1a0dab}
:root[data-theme="dark"]{--linkblue:#8ab4f8}
.netcard h3{font-size:16px;margin:6px 0 4px}
.netcard .url{display:block;font-size:16.5px;font-weight:700;color:var(--linkblue);
  text-decoration:underline;text-underline-offset:3px;word-break:break-all;margin-bottom:8px}
.netcard p{font-size:14px;line-height:1.55;color:var(--ink-dim);margin:0}
.netcard:hover .url{filter:brightness(1.15)}

/* amortization cross-outs: eliminated years of the original plan */
tr.ghost td{color:var(--ink-faint);text-decoration:line-through;
  text-decoration-color:var(--interest);text-decoration-thickness:1.5px;opacity:.72}
tr.ghostnote td{color:var(--save);font-weight:700;padding-top:10px;border-bottom:none;font-size:12.5px}

/* live-rate context on reference pages */
.livebadge{font-size:13px;color:var(--save);background:var(--save-glow);
  border:1px solid color-mix(in srgb,var(--save) 35%,transparent);
  border-radius:8px;padding:9px 12px;margin:0 0 14px}
.livebadge.dim{color:var(--ink-dim);background:transparent;border-color:var(--line)}
.livebadge a{color:var(--accent)}
tr.liverow td{background:var(--save-glow)}
.livemark{font-size:11px;color:var(--save);font-weight:700;white-space:nowrap}

/* micro-payment pane */
.mitem{display:flex;align-items:center;gap:10px;padding:11px 10px;border:1px solid var(--line);
  border-radius:10px;margin-bottom:8px;cursor:pointer;transition:border-color .15s, background .15s}
.mitem:has(.mchk:checked){border-color:color-mix(in srgb,var(--save) 45%,transparent);background:var(--save-glow)}
.mitem .mchk{accent-color:var(--save);width:16px;height:16px;flex:0 0 auto}
.memoji{font-size:18px;flex:0 0 auto}
.mname{flex:1 1 auto;font-size:14px}
.mamtwrap{color:var(--ink-dim);font-size:13px;white-space:nowrap}
.mamt{width:64px;background:transparent;border:1px solid var(--line);border-radius:6px;
  color:var(--ink);font:inherit;font-size:13px;padding:3px 6px;text-align:right}
.mgain{font-size:12.5px;font-weight:700;color:var(--save);min-width:110px;text-align:right;white-space:nowrap}
.mtotal{margin-top:12px;font-size:13px;color:var(--ink-dim)}
.mtotal b{color:var(--save)}

/* consent banner */
#consentBar{position:fixed;left:0;right:0;bottom:0;z-index:100;
  background:var(--bg-panel);border-top:1px solid var(--line);
  box-shadow:0 -8px 30px rgba(0,0,0,.18)}
#consentBar .ccin{max-width:1060px;margin:0 auto;padding:14px 24px;display:flex;
  gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
#consentBar p{font-size:12.5px;color:var(--ink-dim);margin:0;max-width:62ch}
#consentBar a{color:var(--accent)}
#consentBar .ccbtns{display:flex;gap:10px;flex:0 0 auto}
#consentBar .btn.primary{background:var(--accent);color:#fff;border-color:var(--accent)}

/* themed toast (site-wide replacement for native alert) */
#ticToast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,12px);
  z-index:110;max-width:min(92vw,560px);padding:11px 18px;border-radius:10px;
  background:var(--bg-panel);border:1px solid var(--line);color:var(--ink);
  font-size:13px;box-shadow:var(--shadow);opacity:0;pointer-events:none;
  transition:opacity .2s ease,transform .2s ease;word-break:break-all}
#ticToast.show{opacity:1;transform:translate(-50%,0)}
#ticToast[data-tone="good"]{border-color:color-mix(in srgb,var(--save) 45%,transparent);color:var(--save)}
#ticToast[data-tone="bad"]{border-color:color-mix(in srgb,var(--interest) 45%,transparent)}