/* MoneyReckon — 2026 design system. Same class names, bold-modern skin.
   Light + dark (prefers-color-scheme). Zero external assets. */
:root{
  --green:#0BA88E; --green-d:#067a67; --ink:#0E2A24; --grey:#5c6f69;
  --line:rgba(14,42,36,.10); --bg:#F2F7F5; --card:rgba(255,255,255,.86); --gold:#C77D00;
  --hero-grad:linear-gradient(135deg,#067a67 0%,#0BA88E 55%,#22c7a9 100%);
  --page-grad:radial-gradient(1200px 500px at 80% -10%, rgba(34,199,169,.16), transparent 60%),
              radial-gradient(900px 420px at -10% 30%, rgba(6,122,103,.10), transparent 55%);
  --chart-line:#0BA88E; --chart-line2:#67b3a4; --chart-fill:rgba(11,168,142,.16); --chart-fill2:rgba(120,190,175,.35);
  --chart-grid:rgba(14,42,36,.08); --chart-text:#7d928c;
  --radius:18px;
  --shadow:0 1px 2px rgba(6,50,42,.06),0 8px 30px rgba(6,50,42,.10);
  --shadow-lift:0 2px 6px rgba(6,50,42,.08),0 16px 44px rgba(6,50,42,.16);
  --focus:0 0 0 4px rgba(11,168,142,.18);
}
@media (prefers-color-scheme: dark){
  :root{
    --green:#2BD4B4; --green-d:#5ee8cd; --ink:#E8F4F0; --grey:#9fb4ad;
    --line:rgba(232,244,240,.12); --bg:#0C1614; --card:rgba(23,35,32,.88); --gold:#eab308;
    --hero-grad:linear-gradient(135deg,#0a3a32 0%,#0d5f50 55%,#118d76 100%);
    --page-grad:radial-gradient(1200px 500px at 80% -10%, rgba(43,212,180,.10), transparent 60%),
                radial-gradient(900px 420px at -10% 30%, rgba(17,141,118,.10), transparent 55%);
    --chart-line:#2BD4B4; --chart-line2:#4a8d80; --chart-fill:rgba(43,212,180,.15); --chart-fill2:rgba(74,141,128,.35);
    --chart-grid:rgba(232,244,240,.08); --chart-text:#7d958e;
    --shadow:0 1px 2px rgba(0,0,0,.4),0 10px 34px rgba(0,0,0,.45);
    --shadow-lift:0 2px 8px rgba(0,0,0,.5),0 18px 48px rgba(0,0,0,.55);
    --focus:0 0 0 4px rgba(43,212,180,.22);
  }
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);background-image:var(--page-grad);background-attachment:fixed;
  line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--green-d);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1060px;margin:0 auto;padding:0 18px}

/* ---------- header: gradient, sticky ---------- */
.site-head{background:var(--hero-grad);color:#fff;position:sticky;top:0;z-index:50;
  box-shadow:0 2px 20px rgba(6,80,66,.25)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}
.brand{font-weight:800;color:#fff;font-size:19px;letter-spacing:-.3px}
.brand span{opacity:.75;font-weight:600}
.nav a{color:#eafff9;margin-left:20px;font-size:14px;font-weight:650;opacity:.95;transition:opacity .15s}
.nav a:hover{opacity:1;text-decoration:none}

.breadcrumb{font-size:12.5px;color:var(--grey);padding:18px 0 0}
.breadcrumb a{color:var(--grey)}

h1{font-size:clamp(28px,4.6vw,40px);line-height:1.08;margin:10px 0 8px;letter-spacing:-1px;
  background:linear-gradient(120deg,var(--ink) 60%,var(--green-d));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.intro{color:var(--grey);max-width:760px;margin:0 0 20px;font-size:16px}

/* ---------- ad slots (subtle) ---------- */
.ad{background:repeating-linear-gradient(45deg,transparent,transparent 10px,var(--line) 10px,var(--line) 11px);
  border:1px dashed var(--line);border-radius:12px;color:var(--grey);opacity:.7;font-size:11px;text-align:center;
  padding:10px;margin:16px 0;letter-spacing:.5px}
.ad.lb{min-height:90px;display:flex;align-items:center;justify-content:center}
.ad.rail{min-height:250px;display:flex;align-items:center;justify-content:center}

/* ---------- layout + glass panels ---------- */
.calc-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:20px;align-items:start}
.panel{background:var(--card);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;
  transition:box-shadow .25s}
.panel:hover{box-shadow:var(--shadow-lift)}
.panel h2{font-size:13px;margin:0 0 16px;text-transform:uppercase;letter-spacing:1.2px;color:var(--green-d)}

/* ---------- inputs ---------- */
.field{margin-bottom:15px}
.field label{display:block;font-size:13px;font-weight:700;margin-bottom:6px}
.field .help{font-weight:500;color:var(--grey);font-size:11.5px;margin-left:4px}
.control{position:relative;display:flex;align-items:center}
.control .pre,.control .suf{position:absolute;color:var(--grey);font-size:14px;pointer-events:none}
.control .pre{left:13px}.control .suf{right:13px}
input[type=number],input[type=date],input[type=time],select{width:100%;padding:12px 13px;font-size:15px;
  border:1.5px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);
  transition:border-color .15s, box-shadow .15s;font-family:inherit}
.control.has-pre input{padding-left:28px}
.control.has-suf input{padding-right:34px}
input:focus,select:focus{outline:none;border-color:var(--green);box-shadow:var(--focus)}
input[type=range]{width:100%;accent-color:var(--green);margin-top:6px}

/* ---------- results ---------- */
.results-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:8px}
.rcard{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:14px;text-align:center;
  transition:transform .18s, box-shadow .18s}
.rcard:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.rcard .v{font-size:21px;font-weight:800;color:var(--green-d);letter-spacing:-.5px;font-variant-numeric:tabular-nums}
.rcard .l{font-size:11px;color:var(--grey);margin-top:3px}
.rcard.hero{background:var(--hero-grad);border:none;box-shadow:0 10px 30px rgba(8,122,102,.35)}
.rcard.hero .v{color:#fff;font-size:26px}.rcard.hero .l{color:rgba(255,255,255,.85)}

canvas#chart{width:100%;height:250px;margin-top:16px;display:block}
.legend{display:flex;gap:16px;justify-content:center;font-size:12px;color:var(--grey);margin-top:8px}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:5px;vertical-align:-1px}

.btnrow{display:flex;gap:9px;flex-wrap:wrap;margin-top:16px}
.btn{border:1.5px solid var(--green);color:var(--green-d);background:transparent;padding:9px 15px;border-radius:11px;
  font-size:13px;font-weight:700;cursor:pointer;font-family:inherit;transition:transform .12s, box-shadow .15s, background .15s, color .15s}
.btn:hover{background:var(--green);color:#fff;transform:translateY(-1px);box-shadow:0 6px 18px rgba(11,168,142,.35)}
.btn.primary{background:var(--hero-grad);border:none;color:#fff}
.btn.primary:hover{filter:brightness(1.06)}
.copied{color:var(--green-d);font-size:12px;font-weight:700;align-self:center}

/* ---------- schedule table ---------- */
details.sched{margin-top:16px}
details.sched summary{cursor:pointer;font-weight:700;color:var(--green-d);font-size:14px;padding:6px 0}
table.sched{width:100%;border-collapse:collapse;font-size:12.5px;margin-top:8px}
table.sched th,table.sched td{padding:8px;text-align:right;border-bottom:1px solid var(--line)}
table.sched th:first-child,table.sched td:first-child{text-align:left}
table.sched thead th{color:var(--grey);font-size:11px;text-transform:uppercase;letter-spacing:.5px}
table.sched tbody tr{transition:background .12s}
table.sched tbody tr:hover{background:var(--bg)}

/* ---------- content sections ---------- */
.section{background:var(--card);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;margin:20px 0}
.section h2{font-size:20px;margin:0 0 10px;letter-spacing:-.3px}
.formula{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:13px 15px;
  font-family:ui-monospace,Menlo,monospace;font-size:14.5px;overflow-x:auto}
.faq{border-top:1px solid var(--line);padding:13px 0}
.faq:last-child{padding-bottom:0}
.faq summary{cursor:pointer;font-weight:700;font-size:15px}
.faq summary:hover{color:var(--green-d)}
.faq p{color:var(--grey);margin:8px 0 0}
.related{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px}
.related a{background:var(--bg);border:1px solid var(--line);border-radius:11px;padding:10px 14px;font-weight:650;
  font-size:14px;color:var(--ink);transition:transform .13s, border-color .13s, box-shadow .15s}
.related a:hover{border-color:var(--green);transform:translateY(-2px);box-shadow:var(--shadow);text-decoration:none;color:var(--green-d)}

/* ---------- footer ---------- */
footer{color:var(--grey);font-size:12.5px;text-align:center;padding:30px 0 38px}
footer .flinks{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-bottom:9px}
footer .flinks a{font-weight:650;font-size:13px;color:var(--grey);transition:color .15s}
footer .flinks a:hover{color:var(--green-d);text-decoration:none}
footer p{margin:0}

/* legal pages */
.legal{max-width:760px}
.legal h2{font-size:19px;margin:22px 0 8px}
.legal p,.legal li{font-size:14.5px;line-height:1.68}

/* motion preferences */
@media (prefers-reduced-motion: reduce){
  *{transition:none!important;animation:none!important}
  html{scroll-behavior:auto}
}
@media(max-width:760px){
  .calc-grid{grid-template-columns:1fr}
  .results-cards{grid-template-columns:1fr 1fr}
}