/* =============================================
   MortgageCalc4Me — Shared Stylesheet
   Colour: Deep Navy #0f3460 + Teal #16c79a
   ============================================= */

:root {
  --primary:      #0f3460;
  --primary-mid:  #1a4a7a;
  --primary-light:#1e5799;
  --primary-pale: #e8f4f8;
  --accent:       #16c79a;
  --accent-dark:  #10a87f;
  --accent-light: #e8faf5;
  --danger:       #e94560;
  --warning:      #f5a623;
  --bg:           #f4f7fb;
  --card:         #ffffff;
  --text:         #0d1f3c;
  --text-muted:   #5a6f8a;
  --border:       #d0dce8;
  --shadow:       0 2px 12px rgba(15,52,96,0.10);
  --shadow-lg:    0 6px 30px rgba(15,52,96,0.16);
  --radius:       12px;
  --radius-sm:    8px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 1rem;
  line-height: 1.6;
  min-height: 100vh;
}
h1,h2,h3,h4 { font-family: 'Nunito', 'Segoe UI', sans-serif; font-weight: 800; line-height: 1.2; }

/* ---- Site Header ---- */
.site-header { background: var(--primary); color: #fff; position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 10px rgba(0,0,0,.25); }
.header-inner { max-width: 1100px; margin: 0 auto; padding: .75rem 1rem; display: flex; align-items: center; justify-content: space-between; }
.site-logo { display: flex; align-items: center; gap: .6rem; color: #fff; text-decoration: none; font-family: 'Nunito',sans-serif; font-weight: 900; font-size: 1.2rem; }
.site-logo span { color: var(--accent); }
.header-nav { display: flex; gap: 1.2rem; }
.header-nav a { color: rgba(255,255,255,.8); text-decoration: none; font-size: .9rem; font-weight: 600; transition: color .15s; }
.header-nav a:hover { color: var(--accent); }

/* ---- Hero ---- */
.hero { background: linear-gradient(135deg, var(--primary) 0%, #1a4a7a 60%, #0a2240 100%); color: #fff; padding: 3.5rem 1rem 4rem; text-align: center; position: relative; overflow: hidden; }
.hero::before { content:''; position:absolute; inset:0; background:url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M0 40L40 0H20L0 20M40 40V20L20 40' fill='%23ffffff' fill-opacity='0.025'/%3E%3C/svg%3E"); }
.hero-badge { display:inline-block; background:rgba(22,199,154,.15); border:1px solid rgba(22,199,154,.4); color:var(--accent); padding:.35rem .9rem; border-radius:999px; font-size:.78rem; font-weight:700; text-transform:uppercase; letter-spacing:.08em; margin-bottom:1rem; }
.hero h1 { font-size: clamp(1.8rem,5vw,3rem); margin-bottom: .75rem; }
.hero h1 span { color: var(--accent); }
.hero p { opacity: .85; max-width: 540px; margin: 0 auto; font-size: 1.05rem; }
.hero-stats { display:flex; gap:2rem; justify-content:center; margin-top:2rem; flex-wrap:wrap; }
.hero-stat strong { display:block; font-size:1.6rem; font-weight:900; color:var(--accent); }
.hero-stat span { font-size:.75rem; opacity:.7; text-transform:uppercase; letter-spacing:.05em; }

/* ---- Nav tabs (tool switcher) ---- */
.tool-tabs { background: var(--primary); border-bottom: 3px solid var(--accent); }
.tool-tabs-inner { max-width: 1100px; margin: 0 auto; display: flex; overflow-x: auto; scrollbar-width: none; }
.tool-tabs-inner::-webkit-scrollbar { display: none; }
.tab-btn { flex-shrink: 0; padding: .9rem 1.4rem; background: none; border: none; color: rgba(255,255,255,.65); font-size: .88rem; font-weight: 700; font-family: inherit; cursor: pointer; border-bottom: 3px solid transparent; margin-bottom: -3px; transition: color .15s, border-color .15s; white-space: nowrap; }
.tab-btn:hover { color: #fff; }
.tab-btn.active { color: var(--accent); border-bottom-color: var(--accent); }

/* ---- Main layout ---- */
.site-main { max-width: 1100px; margin: 0 auto; padding: 2rem 1rem 4rem; }
.tool-section { display: none; }
.tool-section.active { display: block; }

/* ---- Cards ---- */
.card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); }
.card-title { font-size: 1.15rem; font-weight: 800; color: var(--primary); margin-bottom: 1.25rem; display: flex; align-items: center; gap: .5rem; }

/* ---- Two-column grid ---- */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.three-col { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1rem; }

/* ---- Form elements ---- */
.field-group { display: flex; flex-direction: column; gap: .35rem; margin-bottom: 1.1rem; }
.field-group:last-child { margin-bottom: 0; }
label { font-size: .82rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .05em; }
.input-wrap { position: relative; }
.input-prefix { position: absolute; left: .85rem; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--text-muted); pointer-events: none; font-size: .95rem; }
.input-suffix { position: absolute; right: .85rem; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--text-muted); pointer-events: none; font-size: .95rem; }
input[type=number], input[type=text], select {
  width: 100%; padding: .7rem 1rem; border: 2px solid var(--border); border-radius: var(--radius-sm);
  font-size: .95rem; font-family: inherit; color: var(--text); background: #fff; outline: none;
  transition: border-color .2s, box-shadow .2s; -moz-appearance: textfield;
}
input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; }
input.has-prefix { padding-left: 2rem; }
input.has-suffix { padding-right: 2.5rem; }
input:focus, select:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(22,199,154,.18); }
input.error { border-color: var(--danger); }
.hint { font-size: .75rem; color: var(--text-muted); margin-top: .2rem; }

/* Toggle row */
.toggle-row { display: flex; align-items: center; gap: .75rem; padding: .7rem 0; border-bottom: 1px solid var(--border); margin-bottom: 1rem; }
.toggle-label { font-size: .9rem; font-weight: 600; flex: 1; }
.toggle { position: relative; width: 44px; height: 24px; flex-shrink: 0; }
.toggle input { opacity: 0; width: 0; height: 0; }
.toggle-slider { position: absolute; inset: 0; background: var(--border); border-radius: 999px; cursor: pointer; transition: .2s; }
.toggle-slider::before { content: ''; position: absolute; width: 18px; height: 18px; background: #fff; border-radius: 50%; left: 3px; top: 3px; transition: .2s; }
.toggle input:checked + .toggle-slider { background: var(--accent); }
.toggle input:checked + .toggle-slider::before { transform: translateX(20px); }

/* Select chips */
.chip-group { display: flex; flex-wrap: wrap; gap: .4rem; }
.chip { padding: .4rem .85rem; border: 2px solid var(--border); border-radius: 999px; background: #fff; font-size: .82rem; font-weight: 700; cursor: pointer; color: var(--text); font-family: inherit; transition: .15s; }
.chip:hover { border-color: var(--accent); }
.chip.active { background: var(--accent); border-color: var(--accent); color: #fff; }

/* ---- Results panel ---- */
.result-panel { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-mid) 100%); border-radius: var(--radius); padding: 1.75rem; color: #fff; }
.result-main { font-size: clamp(2rem,5vw,3rem); font-weight: 900; font-family: 'Nunito',sans-serif; color: var(--accent); line-height: 1.1; }
.result-label { font-size: .75rem; text-transform: uppercase; letter-spacing: .08em; opacity: .7; margin-bottom: .3rem; }
.result-sub { font-size: .9rem; opacity: .8; margin-top: .4rem; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.25rem; }
.result-item { background: rgba(255,255,255,.08); border-radius: 8px; padding: .85rem 1rem; }
.ri-label { font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; opacity: .65; }
.ri-value { font-size: 1.2rem; font-weight: 800; font-family: 'Nunito',sans-serif; color: var(--accent); margin-top: .15rem; }

/* LTV bar */
.ltv-bar-wrap { margin-top: 1.25rem; }
.ltv-bar-label { display: flex; justify-content: space-between; font-size: .75rem; opacity: .7; margin-bottom: .4rem; }
.ltv-bar-track { height: 10px; background: rgba(255,255,255,.15); border-radius: 999px; overflow: hidden; }
.ltv-bar-fill { height: 100%; background: var(--accent); border-radius: 999px; transition: width .4s ease; }
.ltv-badge { display: inline-block; margin-top: .6rem; padding: .3rem .8rem; border-radius: 999px; font-size: .75rem; font-weight: 800; background: rgba(22,199,154,.2); color: var(--accent); border: 1px solid rgba(22,199,154,.35); }

/* ---- Pie chart ---- */
.pie-wrap { display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; margin-top: 1rem; }
.pie-canvas { flex-shrink: 0; }
.pie-legend { display: flex; flex-direction: column; gap: .5rem; }
.pie-leg-item { display: flex; align-items: center; gap: .5rem; font-size: .85rem; }
.pie-dot { width: 12px; height: 12px; border-radius: 3px; flex-shrink: 0; }

/* ---- Stress test table ---- */
.rate-table { width: 100%; border-collapse: collapse; font-size: .9rem; }
.rate-table th { background: var(--primary); color: #fff; padding: .65rem 1rem; text-align: left; font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; }
.rate-table th:first-child { border-radius: 8px 0 0 0; }
.rate-table th:last-child { border-radius: 0 8px 0 0; }
.rate-table td { padding: .65rem 1rem; border-bottom: 1px solid var(--border); }
.rate-table tr.current-rate { background: var(--accent-light); font-weight: 700; }
.rate-table tr.current-rate td:first-child { border-left: 3px solid var(--accent); }
.rate-table tr.danger-rate { background: #fff5f5; }
.rate-table tr.danger-rate td { color: var(--danger); }
.rate-table .badge-current { background: var(--accent); color: #fff; font-size: .65rem; padding: .2rem .5rem; border-radius: 999px; font-weight: 800; margin-left: .4rem; vertical-align: middle; }

/* ---- Amortisation table ---- */
.amort-wrap { max-height: 320px; overflow-y: auto; border: 1px solid var(--border); border-radius: var(--radius-sm); }
.amort-table { width: 100%; border-collapse: collapse; font-size: .82rem; }
.amort-table th { background: var(--primary); color: #fff; padding: .5rem .75rem; text-align: right; font-size: .72rem; text-transform: uppercase; letter-spacing: .04em; position: sticky; top: 0; }
.amort-table th:first-child { text-align: left; }
.amort-table td { padding: .45rem .75rem; border-bottom: 1px solid #f0f4f8; text-align: right; }
.amort-table td:first-child { text-align: left; font-weight: 700; }
.amort-table tr:nth-child(even) { background: var(--bg); }

/* ---- Tips panel ---- */
.tips-list { display: flex; flex-direction: column; gap: .75rem; }
.tip-item { display: flex; gap: .75rem; align-items: flex-start; padding: .85rem; background: var(--accent-light); border-radius: 8px; border-left: 3px solid var(--accent); }
.tip-icon { font-size: 1.2rem; flex-shrink: 0; margin-top: .05rem; }
.tip-text { font-size: .88rem; color: var(--text); line-height: 1.5; }
.tip-text strong { color: var(--primary); }

/* ---- Overpayment savings box ---- */
.savings-box { background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%); border-radius: var(--radius); padding: 1.5rem; color: #fff; text-align: center; margin-top: 1rem; }
.savings-box .sb-amount { font-size: clamp(1.8rem,4vw,2.5rem); font-weight: 900; font-family: 'Nunito',sans-serif; }
.savings-box .sb-label { font-size: .85rem; opacity: .85; margin-top: .25rem; }
.savings-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; }
.savings-item { background: rgba(255,255,255,.2); border-radius: 8px; padding: .75rem; }
.si-label { font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; opacity: .8; }
.si-value { font-size: 1.15rem; font-weight: 800; font-family: 'Nunito',sans-serif; }

/* ---- Network nav ---- */
.network-nav { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px,1fr)); gap: .75rem; margin-top: 1rem; }
.net-card { display: flex; flex-direction: column; gap: .2rem; padding: .85rem 1rem; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm); text-decoration: none; color: var(--text); transition: .15s; }
.net-card:hover { border-color: var(--accent); background: var(--accent-light); }
.nc-icon { font-size: 1.4rem; }
.nc-name { font-size: .82rem; font-weight: 800; }
.nc-desc { font-size: .72rem; color: var(--text-muted); }

/* ---- Cookie banner ---- */
.cookie-banner { position: fixed; bottom: 0; left: 0; right: 0; background: var(--primary); color: #fff; padding: 1rem 1.5rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap; z-index: 999; }
.cookie-banner p { margin: 0; font-size: .9rem; }
.cookie-banner a { color: var(--accent); }
.cookie-btns { display: flex; gap: .6rem; }

/* ---- Buttons ---- */
.btn-primary { background: var(--accent); color: #fff; border: none; border-radius: var(--radius-sm); padding: .65rem 1.4rem; font-weight: 800; font-family: 'Nunito',sans-serif; cursor: pointer; font-size: .9rem; text-decoration: none; transition: .15s; display: inline-block; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-ghost { background: transparent; color: var(--text-muted); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: .65rem 1.4rem; font-weight: 600; font-family: inherit; cursor: pointer; font-size: .9rem; transition: .15s; }
.btn-ghost:hover { border-color: var(--text-muted); }
.btn-cta { background: var(--accent); color: #fff; border: none; border-radius: var(--radius-sm); padding: .85rem 2rem; font-weight: 800; font-size: 1rem; font-family: 'Nunito',sans-serif; cursor: pointer; width: 100%; transition: .15s; margin-top: .5rem; }
.btn-cta:hover { background: var(--accent-dark); transform: translateY(-1px); }

/* ---- Section titles ---- */
.section-title { font-size: 1.35rem; font-weight: 800; color: var(--primary); margin: 2.5rem 0 1.2rem; display: flex; align-items: center; gap: .5rem; }
.section-title::after { content:''; flex:1; height:2px; background:var(--border); border-radius:2px; }

/* ---- Ad slot ---- */
.ad-slot { text-align: center; margin: 1.5rem 0; min-height: 90px; background: rgba(0,0,0,.03); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--text-muted); font-size: .8rem; }

/* ---- Footer ---- */
.site-footer { background: var(--primary); color: rgba(255,255,255,.65); padding: 2rem 1rem; }
.footer-inner { max-width: 1100px; margin: 0 auto; display: flex; flex-direction: column; align-items: center; gap: .75rem; text-align: center; }
.footer-logo { display: flex; align-items: center; gap: .5rem; color: #fff; font-weight: 900; font-size: 1rem; font-family: 'Nunito',sans-serif; }
.footer-logo span { color: var(--accent); }
.footer-links { display: flex; gap: 1.2rem; flex-wrap: wrap; justify-content: center; }
.footer-links a { color: rgba(255,255,255,.6); text-decoration: none; font-size: .85rem; }
.footer-links a:hover { color: var(--accent); }
.footer-disclaimer { font-size: .75rem; color: rgba(255,255,255,.4); max-width: 600px; line-height: 1.5; }
.footer-copy { font-size: .75rem; color: rgba(255,255,255,.4); }

/* ---- Responsive ---- */
@media(max-width: 760px) {
  .two-col, .three-col { grid-template-columns: 1fr; }
  .result-grid, .savings-grid { grid-template-columns: 1fr 1fr; }
  .hero { padding: 2.5rem 1rem 3rem; }
  .header-nav { gap: .75rem; }
  .header-nav a { font-size: .8rem; }
}
@media(max-width: 480px) {
  .result-grid, .savings-grid { grid-template-columns: 1fr; }
}