:root {
  color-scheme: light;
  --bg: #f3f6f8;
  --surface: #ffffff;
  --surface-2: #f8fafb;
  --text: #17232d;
  --muted: #60707c;
  --line: #dbe3e8;
  --accent: #0b806f;
  --accent-strong: #07675a;
  --accent-soft: #e3f4f0;
  --danger: #b42318;
  --danger-soft: #fef0ed;
  --shadow: 0 16px 45px rgba(31, 48, 59, 0.08);
  --radius: 22px;
}

html[data-theme="dark"] {
  color-scheme: dark;
  --bg: #0d1519;
  --surface: #142026;
  --surface-2: #19272e;
  --text: #edf4f3;
  --muted: #a9b8bd;
  --line: #2c3d44;
  --accent: #5fd4bd;
  --accent-strong: #8ce5d4;
  --accent-soft: #173b36;
  --danger: #ff9c91;
  --danger-soft: #40221f;
  --shadow: 0 16px 45px rgba(0, 0, 0, 0.28);
}

@media (prefers-color-scheme: dark) {
  html[data-theme="auto"] {
    color-scheme: dark;
    --bg: #0d1519;
    --surface: #142026;
    --surface-2: #19272e;
    --text: #edf4f3;
    --muted: #a9b8bd;
    --line: #2c3d44;
    --accent: #5fd4bd;
    --accent-strong: #8ce5d4;
    --accent-soft: #173b36;
    --danger: #ff9c91;
    --danger-soft: #40221f;
    --shadow: 0 16px 45px rgba(0, 0, 0, 0.28);
  }
}

* {
  box-sizing: border-box;
}

html {
  min-width: 320px;
  background: var(--bg);
}

body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at 12% 0%, color-mix(in srgb, var(--accent) 11%, transparent), transparent 30rem),
    var(--bg);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

button,
input,
select {
  color: inherit;
  font: inherit;
}

button,
select {
  cursor: pointer;
}

button:focus-visible,
input:focus-visible,
select:focus-visible,
a:focus-visible {
  outline: 3px solid color-mix(in srgb, var(--accent) 45%, transparent);
  outline-offset: 2px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.toolbar-actions {
  display: flex;
  align-items: center;
  gap: 8px;
}

.compact-control select {
  min-height: 40px;
  padding: 0 32px 0 12px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
}

main {
  max-width: 1360px;
  margin: 0 auto;
  padding: 16px clamp(16px, 3vw, 36px) 36px;
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

.market-rate {
  padding: 12px 14px;
  display: grid;
  grid-template-columns: auto auto minmax(170px, 1fr) auto;
  align-items: center;
  gap: 12px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: color-mix(in srgb, var(--surface) 92%, transparent);
}

.market-rate-heading {
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 700;
}

.status-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #e4a11b;
  box-shadow: 0 0 0 4px color-mix(in srgb, #e4a11b 15%, transparent);
}

.market-rate.loaded .status-dot {
  background: var(--accent);
  box-shadow: 0 0 0 4px color-mix(in srgb, var(--accent) 15%, transparent);
}

.market-rate.failed .status-dot {
  background: var(--danger);
  box-shadow: 0 0 0 4px color-mix(in srgb, var(--danger) 15%, transparent);
}

.market-rate-value {
  margin: 0;
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.05em;
}

.market-rate-meta {
  min-height: 0;
  margin: 0;
  color: var(--muted);
  font-size: 0.83rem;
}

.source-link {
  color: var(--accent-strong);
  font-size: 0.8rem;
  font-weight: 750;
}

.workspace {
  padding-top: 0;
}

.workspace-toolbar {
  max-width: 1040px;
  margin-right: auto;
  margin-bottom: 14px;
  margin-left: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.button {
  min-height: 40px;
  padding: 8px 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  border: 1px solid transparent;
  border-radius: 13px;
  font-weight: 750;
}

.button.primary {
  color: #fff;
  background: #087568;
  border-color: #065f55;
}

.button.primary:hover { background: #065f55; }

.button.secondary {
  border-color: var(--line);
  background: var(--surface);
}

.button:hover {
  transform: translateY(-1px);
}

.button:disabled {
  opacity: 0.45;
  cursor: not-allowed;
  transform: none;
}

.add-card-button {
  width: 40px;
  height: 40px;
  flex: 0 0 40px;
}

.icon-button:disabled {
  opacity: 0.45;
  cursor: not-allowed;
}

.cards {
  display: flex;
  flex-wrap: wrap;
  align-items: start;
  justify-content: center;
  gap: 14px;
}

.loan-card {
  flex: 1 1 400px;
  max-width: 600px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.card-header {
  padding: 13px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid var(--line);
}

.scenario-kicker {
  margin: 0;
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 750;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.icon-button {
  width: 34px;
  height: 34px;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 12px;
  color: var(--muted);
  background: var(--surface-2);
  font-size: 1.4rem;
  line-height: 1;
}

.loan-form {
  padding: 16px 18px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 9px;
}

.field,
.field-group {
  min-width: 0;
}

.field {
  display: grid;
  grid-template-columns: minmax(130px, 0.8fr) minmax(0, 1.3fr);
  align-items: center;
  gap: 8px 12px;
}

.field > span:first-child,
.field-group legend {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
}

.field small {
  grid-column: 2;
  color: var(--muted);
  font-size: 0.7rem;
  line-height: 1.35;
}

.full {
  grid-column: 1 / -1;
}

input,
select {
  width: 100%;
  min-height: 39px;
  padding: 7px 10px;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--surface-2);
}

input::placeholder {
  color: color-mix(in srgb, var(--muted) 65%, transparent);
}

.input-shell {
  min-width: 0;
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--surface-2);
}

.input-shell:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 14%, transparent);
}

.input-shell input {
  min-width: 0;
  border: 0;
  background: transparent;
  outline: 0;
  box-shadow: none;
}

.input-shell > span:last-child {
  padding-right: 12px;
  color: var(--muted);
  font-size: 0.78rem;
  white-space: nowrap;
}

.split-fields {
  display: grid;
  grid-template-columns: 0.65fr 1.35fr;
  gap: 10px;
}

.field-group {
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  border: 0;
}

.field-group legend {
  margin-bottom: 7px;
}

.inline-action {
  grid-column: 2;
  align-self: flex-start;
  padding: 0;
  border: 0;
  background: transparent;
  text-align: left;
}

.form-message {
  margin: 0 18px 16px;
  padding: 10px 12px;
  border-radius: 12px;
  color: var(--muted);
  background: var(--surface-2);
  font-size: 0.82rem;
}

.form-message.error {
  color: var(--danger);
  background: var(--danger-soft);
}

.result-panel {
  padding: 16px 18px;
  border-top: 1px solid var(--line);
  background: var(--surface-2);
}

@media (min-width: 1100px) {
  .cards > .loan-card:only-child:has(.result-panel:not([hidden])) {
    flex-basis: 100%;
    max-width: 1040px;
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(390px, 0.92fr);
    grid-template-rows: auto 1fr;
  }

  .cards > .loan-card:only-child:has(.result-panel:not([hidden])) .card-header {
    grid-column: 1 / -1;
  }

  .cards > .loan-card:only-child:has(.result-panel:not([hidden])) .loan-form {
    grid-column: 1;
    grid-row: 2;
    align-content: start;
  }

  .cards > .loan-card:only-child:has(.result-panel:not([hidden])) .form-message {
    grid-column: 1;
  }

  .cards > .loan-card:only-child:has(.result-panel:not([hidden])) .result-panel {
    grid-column: 2;
    grid-row: 2 / span 2;
    border-top: 0;
    border-left: 1px solid var(--line);
  }
}

.payment-block {
  margin-bottom: 12px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.payment-block.single {
  grid-template-columns: 1fr;
}

.payment-metric {
  padding: 10px 12px;
  border: 1px solid color-mix(in srgb, var(--accent) 26%, var(--line));
  border-radius: 14px;
  background: var(--accent-soft);
}

.payment-metric span {
  display: block;
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 700;
}

.payment-metric strong {
  display: block;
  margin-top: 3px;
  font-size: 1.25rem;
  letter-spacing: -0.04em;
}

.result-list {
  margin: 0 0 20px;
}

.result-row {
  padding: 8px 0;
  display: flex;
  justify-content: space-between;
  gap: 14px;
  border-bottom: 1px solid var(--line);
}

.result-row:last-child {
  border-bottom: 0;
}

.result-row dt {
  color: var(--muted);
  font-size: 0.8rem;
}

.result-row dd {
  margin: 0;
  text-align: right;
  font-size: 0.84rem;
  font-variant-numeric: tabular-nums;
  font-weight: 750;
}

.result-row.total {
  margin-top: 5px;
  padding-top: 13px;
}

.result-row.total dt,
.result-row.total dd {
  color: var(--text);
  font-size: 0.92rem;
  font-weight: 800;
}

.open-schedule {
  width: 100%;
}

.schedule-dialog {
  width: min(1180px, calc(100% - 28px));
  max-width: none;
  height: min(820px, calc(100% - 28px));
  max-height: none;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: var(--text);
  background: var(--surface);
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.3);
}

.schedule-dialog::backdrop {
  background: rgba(4, 12, 16, 0.7);
  backdrop-filter: blur(5px);
}

.dialog-frame {
  height: 100%;
  display: flex;
  flex-direction: column;
}

.dialog-header,
.dialog-actions {
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  border-bottom: 1px solid var(--line);
}

.dialog-header h2,
.dialog-actions p {
  margin: 0;
}

.dialog-actions p {
  color: var(--muted);
  font-size: 0.85rem;
}

.table-scroll {
  overflow: auto;
  flex: 1;
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  font-variant-numeric: tabular-nums;
}

.schedule-table th,
.schedule-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--line);
  text-align: right;
  white-space: nowrap;
}

.schedule-table th:first-child,
.schedule-table td:first-child,
.schedule-table th:nth-child(2),
.schedule-table td:nth-child(2) {
  text-align: left;
}

.schedule-table thead th {
  position: sticky;
  top: 0;
  z-index: 1;
  color: var(--muted);
  background: var(--surface-2);
}

.schedule-table tr.deferred-row td {
  background: color-mix(in srgb, var(--accent-soft) 50%, transparent);
}

@media (max-width: 780px) {
  .market-rate {
    grid-template-columns: 1fr auto;
    flex: 1 1 100%;
  }

  .market-rate-meta,
  .market-rate .source-link {
    grid-column: 1 / -1;
  }

  .workspace-toolbar {
    flex-wrap: wrap;
  }

  .toolbar-actions {
    width: 100%;
  }

  .loan-form {
    grid-template-columns: 1fr;
  }

  .loan-form > * {
    grid-column: 1;
  }

  .dialog-header,
  .dialog-actions {
    padding: 16px;
  }

  .dialog-actions {
    align-items: stretch;
    flex-direction: column;
  }
}

@media (max-width: 430px) {
  .compact-control select {
    padding-left: 8px;
    padding-right: 24px;
  }

  .loan-form,
  .result-panel {
    padding: 14px;
  }

  .card-header {
    padding: 12px 14px;
  }

  .form-message {
    margin-right: 14px;
    margin-left: 14px;
  }

  .field {
    grid-template-columns: minmax(105px, 0.75fr) minmax(0, 1.25fr);
    gap: 6px 8px;
  }
}

@media (prefers-reduced-motion: no-preference) {
  .button,
  .loan-card,
  .market-rate {
    transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
  }
}