@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

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

:root {
  --bg:          #080c18;
  --bg-2:        #0e1425;
  --bg-card:     rgba(255,255,255,0.05);
  --bg-input:    rgba(255,255,255,0.07);
  --border:      rgba(255,255,255,0.10);
  --border-focus:rgba(255,255,255,0.30);
  --text:        #e8ecf8;
  --text-muted:  #6d7a94;
  --text-mid:    #a0adc2;
  --shadow:      0 8px 32px rgba(0,0,0,0.4);
  --shadow-sm:   0 2px 12px rgba(0,0,0,0.3);
  --radius:      16px;
  --radius-sm:   10px;
  --radius-xs:   7px;

  /* Accent colors per calculator */
  --loan:        #5b8dee;
  --loan-2:      #3a65d4;
  --mortgage:    #818cf8;
  --mortgage-2:  #5b65d4;
  --invest:      #34d399;
  --invest-2:    #059669;
  --sip:         #fb923c;
  --sip-2:       #c2410c;
  --savings:     #f472b6;
  --savings-2:   #be185d;
  --retire:      #22d3ee;
  --retire-2:    #0e7490;

  --success:     #34d399;
  --danger:      #f87171;
  --gold:        #fbbf24;
}

html { -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
  padding-bottom: calc(70px + env(safe-area-inset-bottom));
  -webkit-font-smoothing: antialiased;
}

/* ── HEADER ── */
header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(8,12,24,0.9);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--border);
  padding: env(safe-area-inset-top) 0 0;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem 0.75rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}

.logo-icon {
  width: 34px; height: 34px;
  background: linear-gradient(135deg, #5b8dee, #818cf8);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  box-shadow: 0 4px 12px rgba(91,141,238,0.4);
}

.logo-text {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.3px;
}

.logo-text span { color: #5b8dee; }

/* ── TAB NAV ── */
.tab-nav {
  display: flex;
  gap: 0.5rem;
  padding: 0 1.25rem 0.9rem;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  -webkit-overflow-scrolling: touch;
}
.tab-nav::-webkit-scrollbar { display: none; }

.tab-btn {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.45rem 1rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 100px;
  color: var(--text-muted);
  font-family: inherit;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.25s ease;
  white-space: nowrap;
  letter-spacing: 0.1px;
}

.tab-btn .tab-icon { font-size: 0.95rem; }

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

.tab-btn.active {
  color: #fff;
  border-color: transparent;
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.tab-btn[data-calc="loan"].active      { background: linear-gradient(135deg, var(--loan), var(--loan-2)); }
.tab-btn[data-calc="mortgage"].active  { background: linear-gradient(135deg, var(--mortgage), var(--mortgage-2)); }
.tab-btn[data-calc="investment"].active{ background: linear-gradient(135deg, var(--invest), var(--invest-2)); }
.tab-btn[data-calc="sip"].active       { background: linear-gradient(135deg, var(--sip), var(--sip-2)); }
.tab-btn[data-calc="savings"].active   { background: linear-gradient(135deg, var(--savings), var(--savings-2)); }
.tab-btn[data-calc="retirement"].active{ background: linear-gradient(135deg, var(--retire), var(--retire-2)); }

/* ── MAIN CONTAINER ── */
.container {
  max-width: 680px;
  margin: 0 auto;
  padding: 1.25rem 1rem 1rem;
}

/* ── CALCULATOR SECTIONS ── */
.calculator-section { display: none; animation: fadeUp 0.35s ease; }
.calculator-section.active { display: block; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ── CALC HEADER ── */
.calc-hero {
  border-radius: var(--radius);
  padding: 1.5rem 1.5rem 2rem;
  margin-bottom: 1.25rem;
  position: relative;
  overflow: hidden;
}

#loan .calc-hero       { background: linear-gradient(135deg, var(--loan) 0%, var(--loan-2) 100%); }
#mortgage .calc-hero   { background: linear-gradient(135deg, var(--mortgage) 0%, var(--mortgage-2) 100%); }
#investment .calc-hero { background: linear-gradient(135deg, var(--invest) 0%, var(--invest-2) 100%); }
#sip .calc-hero        { background: linear-gradient(135deg, var(--sip) 0%, var(--sip-2) 100%); }
#savings .calc-hero    { background: linear-gradient(135deg, var(--savings) 0%, var(--savings-2) 100%); }
#retirement .calc-hero { background: linear-gradient(135deg, var(--retire) 0%, var(--retire-2) 100%); }

.calc-hero::before {
  content: '';
  position: absolute;
  top: -40%; right: -20%;
  width: 200px; height: 200px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
}
.calc-hero::after {
  content: '';
  position: absolute;
  bottom: -30%; left: -10%;
  width: 150px; height: 150px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
}

.calc-hero-icon {
  font-size: 2rem;
  margin-bottom: 0.6rem;
  position: relative; z-index: 1;
}

.calc-hero h1 {
  font-size: 1.5rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.4px;
  position: relative; z-index: 1;
  margin-bottom: 0.25rem;
}

.calc-hero p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  position: relative; z-index: 1;
}

/* ── FORM CARD ── */
.form-card {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-bottom: 1.25rem;
}

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

.form-group { display: flex; flex-direction: column; }
.form-group.full { grid-column: 1 / -1; }

label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 0.45rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.label-optional {
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  font-size: 0.75rem;
  color: var(--text-muted);
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.input-pre, .input-suf {
  position: absolute;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-muted);
  pointer-events: none;
  z-index: 1;
}
.input-pre { left: 0.85rem; }
.input-suf { right: 0.85rem; }

input[type="number"],
input[type="text"],
select {
  width: 100%;
  padding: 0.7rem 0.85rem;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xs);
  color: var(--text);
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 500;
  transition: border-color 0.2s, background 0.2s;
  -webkit-appearance: none;
  appearance: none;
}

input.pre  { padding-left: 2rem; }
input.suf  { padding-right: 2.5rem; }

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236d7a94' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  padding-right: 2.25rem;
  cursor: pointer;
}

input:focus, select:focus {
  outline: none;
  border-color: var(--border-focus);
  background: rgba(255,255,255,0.09);
}

input::-webkit-inner-spin-button,
input::-webkit-outer-spin-button { -webkit-appearance: none; }

/* ── BUTTONS ── */
.btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
  padding: 0.9rem;
  border: none;
  border-radius: var(--radius-xs);
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
  letter-spacing: 0.2px;
}

.btn-primary {
  color: #fff;
  box-shadow: 0 4px 16px rgba(0,0,0,0.3);
}
.btn-primary:active { transform: scale(0.98); }

#loan .btn-primary       { background: linear-gradient(135deg, var(--loan), var(--loan-2)); }
#mortgage .btn-primary   { background: linear-gradient(135deg, var(--mortgage), var(--mortgage-2)); }
#investment .btn-primary { background: linear-gradient(135deg, var(--invest), var(--invest-2)); }
#sip .btn-primary        { background: linear-gradient(135deg, var(--sip), var(--sip-2)); }
#savings .btn-primary    { background: linear-gradient(135deg, var(--savings), var(--savings-2)); }
#retirement .btn-primary { background: linear-gradient(135deg, var(--retire), var(--retire-2)); }

.btn-ghost {
  background: var(--bg-card);
  border: 1px solid var(--border);
  color: var(--text-mid);
  padding: 0.65rem 1.25rem;
  width: auto;
  font-size: 0.85rem;
  border-radius: 100px;
}
.btn-ghost:hover { border-color: var(--border-focus); color: var(--text); }

/* ── RESULTS ── */
.results { display: none; }
.results.active { display: block; animation: fadeUp 0.35s ease; }

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.result-card {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1rem 1.1rem;
  position: relative;
  overflow: hidden;
}

.result-card.span2 { grid-column: 1 / -1; }

.result-label {
  font-size: 0.73rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--text-muted);
  margin-bottom: 0.35rem;
}

.result-value {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.5px;
  line-height: 1.2;
}

.result-card.primary {
  border-color: transparent;
  grid-column: 1 / -1;
}

#loan .result-card.primary       { background: linear-gradient(135deg, var(--loan), var(--loan-2)); }
#mortgage .result-card.primary   { background: linear-gradient(135deg, var(--mortgage), var(--mortgage-2)); }
#investment .result-card.primary { background: linear-gradient(135deg, var(--invest), var(--invest-2)); }
#sip .result-card.primary        { background: linear-gradient(135deg, var(--sip), var(--sip-2)); }
#savings .result-card.primary    { background: linear-gradient(135deg, var(--savings), var(--savings-2)); }
#retirement .result-card.primary { background: linear-gradient(135deg, var(--retire), var(--retire-2)); }

.result-card.primary .result-label,
.result-card.primary .result-value { color: #fff; }

.result-card.primary .result-value { font-size: 2rem; }

/* ── BREAKDOWN BAR ── */
.section-block {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}

.section-title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--text-mid);
  margin-bottom: 1rem;
}

.breakdown-bar {
  display: flex;
  height: 10px;
  border-radius: 100px;
  overflow: hidden;
  gap: 2px;
  margin-bottom: 1rem;
}

.bar-seg {
  border-radius: 100px;
  transition: width 0.6s cubic-bezier(0.34,1.56,0.64,1);
}

.breakdown-items {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.bd-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.88rem;
}

.bd-left { display: flex; align-items: center; gap: 0.6rem; }

.bd-dot {
  width: 10px; height: 10px;
  border-radius: 3px;
  flex-shrink: 0;
}

.bd-label { color: var(--text-mid); font-weight: 500; }
.bd-value { font-weight: 700; color: var(--text); }

/* ── EXTRA PAYMENTS ── */
.extra-block {
  background: rgba(52,211,153,0.08);
  border: 1px solid rgba(52,211,153,0.25);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}

.extra-block .section-title { color: var(--success); }

.extra-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.extra-item { text-align: center; }

.extra-item .label {
  font-size: 0.73rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--success);
  opacity: 0.8;
  margin-bottom: 0.3rem;
}

.extra-item .value {
  font-size: 1rem;
  font-weight: 800;
  color: var(--success);
}

/* ── TOGGLE COMPARE ── */
.compare-block {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  margin-bottom: 1.25rem;
}

.compare-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
}

.compare-title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-mid);
}

/* Toggle Switch */
.toggle {
  position: relative;
  width: 44px; height: 24px;
  flex-shrink: 0;
}
.toggle input { opacity: 0; width: 0; height: 0; position: absolute; }
.toggle-track {
  position: absolute; inset: 0;
  background: rgba(255,255,255,0.12);
  border-radius: 100px;
  transition: background 0.3s;
  cursor: pointer;
}
.toggle-track::before {
  content: '';
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  background: #fff;
  border-radius: 50%;
  transition: transform 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
.toggle input:checked ~ .toggle-track { background: var(--loan); }
.toggle input:checked ~ .toggle-track::before { transform: translateX(20px); }

.compare-grid {
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--border);
}
.compare-grid.open { display: grid; }

.compare-col {
  background: var(--bg-2);
  padding: 1rem 1.25rem;
}

.compare-col-title {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.75rem;
  color: var(--text-mid);
}

.compare-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.83rem;
}
.compare-row:last-child { border-bottom: none; }
.compare-row .ck { color: var(--text-muted); }
.compare-row .cv { font-weight: 700; color: var(--text); }
.compare-row .cv.good { color: var(--success); }
.compare-row .cv.bad  { color: var(--danger); }

/* ── AMORTIZATION ── */
.amort-block {
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  margin-bottom: 1.25rem;
}

.amort-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  user-select: none;
}

.amort-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-mid);
}

.amort-arrow {
  font-size: 0.75rem;
  color: var(--text-muted);
  transition: transform 0.25s;
}
.amort-header.open .amort-arrow { transform: rotate(180deg); }

.amort-content { display: none; }
.amort-content.open { display: block; }

.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 420px;
  overflow-y: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}

thead th {
  position: sticky;
  top: 0;
  background: var(--bg);
  padding: 0.6rem 0.85rem;
  text-align: right;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
thead th:first-child { text-align: left; }

tbody td {
  padding: 0.6rem 0.85rem;
  text-align: right;
  color: var(--text-mid);
  border-bottom: 1px solid rgba(255,255,255,0.04);
  white-space: nowrap;
}
tbody td:first-child { text-align: left; color: var(--text-muted); font-weight: 600; }
tbody tr:last-child td { border-bottom: none; }
tbody tr:hover td { background: rgba(255,255,255,0.03); }

/* ── INSIGHTS ── */
.insights-block {
  background: rgba(251,191,36,0.06);
  border: 1px solid rgba(251,191,36,0.2);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}

.insights-title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--gold);
  opacity: 0.9;
  margin-bottom: 0.85rem;
}

.insight-item {
  display: flex;
  gap: 0.65rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(251,191,36,0.1);
  font-size: 0.88rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5;
}
.insight-item:last-child { border-bottom: none; padding-bottom: 0; }
.insight-icon { font-size: 0.85rem; flex-shrink: 0; margin-top: 2px; }

.insight-more-btn {
  background: rgba(251,191,36,0.1);
  border: 1px solid rgba(251,191,36,0.25);
  color: var(--gold);
  border-radius: 100px;
  padding: 0.45rem 1.1rem;
  font-family: inherit;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  margin-top: 0.75rem;
  transition: all 0.2s;
}
.insight-more-btn:hover { background: rgba(251,191,36,0.2); }

.insight-detail { display: none; margin-top: 0.85rem; padding-top: 0.85rem; border-top: 1px dashed rgba(251,191,36,0.2); }
.insight-detail.open { display: block; }

/* ── DISCLAIMER ── */
.disclaimer {
  background: rgba(248,113,113,0.06);
  border: 1px solid rgba(248,113,113,0.15);
  border-radius: var(--radius-xs);
  padding: 0.85rem 1rem;
  margin-bottom: 1.25rem;
  font-size: 0.78rem;
  color: rgba(248,113,113,0.75);
  line-height: 1.5;
}

/* ── PMI ALERT ── */
.alert-block {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  background: rgba(248,113,113,0.07);
  border: 1px solid rgba(248,113,113,0.2);
  border-radius: var(--radius-xs);
  padding: 0.9rem 1rem;
  margin-bottom: 1.25rem;
  font-size: 0.85rem;
  color: rgba(248,113,113,0.9);
}
.alert-block.info {
  background: rgba(91,141,238,0.08);
  border-color: rgba(91,141,238,0.2);
  color: rgba(150,185,255,0.85);
}
.alert-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

/* ── PROGRESS BAR (for retirement readiness) ── */
.readiness-bar {
  height: 10px;
  background: rgba(255,255,255,0.08);
  border-radius: 100px;
  overflow: hidden;
  margin: 0.75rem 0;
}
.readiness-fill {
  height: 100%;
  border-radius: 100px;
  background: linear-gradient(90deg, var(--retire), #22d3ee);
  transition: width 1s cubic-bezier(0.34,1.56,0.64,1);
}

/* ── YEAR BAR CHART ── */
.bar-chart {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.bar-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.78rem;
}
.bar-year { width: 32px; color: var(--text-muted); font-weight: 600; flex-shrink: 0; text-align: right; }
.bar-track { flex: 1; height: 8px; background: rgba(255,255,255,0.07); border-radius: 100px; overflow: hidden; }
.bar-fill  { height: 100%; border-radius: 100px; transition: width 0.8s ease; }
.bar-val   { width: 72px; text-align: right; font-weight: 600; color: var(--text); flex-shrink: 0; }

/* ── FOOTER ── */
footer {
  background: var(--bg-2);
  border-top: 1px solid var(--border);
  padding: 1.5rem 1.5rem calc(1.5rem + env(safe-area-inset-bottom));
  text-align: center;
}
footer p { font-size: 0.78rem; color: var(--text-muted); line-height: 1.7; }
footer a { color: var(--text-muted); text-decoration: none; }
footer a:hover { color: var(--text-mid); }

/* ── SCROLLBAR ── */
::-webkit-scrollbar { width: 5px; height: 5px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.12); border-radius: 10px; }

/* ── RESPONSIVE ── */
@media (max-width: 420px) {
  .form-grid { grid-template-columns: 1fr; }
  .extra-grid { grid-template-columns: 1fr 1fr; }
  .result-card.primary .result-value { font-size: 1.75rem; }
  .compare-grid { grid-template-columns: 1fr; }
  .calc-hero h1 { font-size: 1.3rem; }
}

@media (min-width: 540px) {
  .container { padding: 1.5rem 1.25rem; }
  .calc-hero { padding: 2rem 2rem 2.5rem; }
  .form-card { padding: 1.75rem; }
}