/* Hallmark · shape: Narrative Workflow (guide), Index (home and calculator directory), app screen (calculator) · genre: editorial · theme: Broadside (deal 2/3, seed 4419c0ec) · redesign: full · copy: verbatim
 * hero: Ledge (/), Banner (/calculators/), Ledge (/first90days/), app (/first90days/calculator/) · nav: masthead · footer: colophon · imagery: existing photos, duotone ink on paper · signature: the real $1,200 / $35 worked example · broadside: bill
 * axes: light/display-condensed/warm · posture: committed · contrast: pass · fold: pass · v2.0.0 */
/* Hallmark · pre-emit critique: P5 H4 E4 S5 R4 V4 · weakest: E, existing long guide needs tighter reading measure and clearer chapter pacing; use a persistent chapter index and varied section surfaces */
/* Hallmark · dropped "⚠️" · 30a names an emoji used as an icon; warning text remains verbatim */
/* Hallmark · waived 8 · kept copy and section order · the user asked to preserve all four pages and their wording */
/* Hallmark · answered F15 · one shared container, squared surfaces, and one primary action style across routes */
@import url("./tokens.css");
@import url("./base.css");

:root { --wrap: 1240px; --measure: 66ch; }
html { scroll-behavior: auto; }
body { font-family: var(--font-body); }
a { text-decoration-thickness: 1px; text-underline-offset: .18em; }
img { max-width: 100%; display: block; }
.wrap { width: min(100% - 56px, var(--wrap)); margin-inline: auto; }
.reading { max-width: var(--measure); margin-inline: auto; }
h1, h2, h3, h4 { overflow-wrap: break-word; min-width: 0; }
h1, .intro h1, .hero h1 { font-family: var(--font-display); font-weight: 400; text-transform: uppercase; letter-spacing: .015em; line-height: 1.02; }
h2, h3, h4, .brand, .footer-brand, .work-main h3, .example-content h2, .work-heading h2 { font-family: var(--font-display-2); font-weight: 400; text-transform: uppercase; letter-spacing: 0; line-height: 1.04; }
.topbar { position: sticky; top: 0; z-index: var(--z-sticky-nav); background: var(--color-paper); border-bottom: var(--rule-hair) solid var(--color-ink); }
.topbar-inner { min-height: 68px; display: flex; align-items: center; justify-content: space-between; gap: var(--space-lg); }
.brand { color: var(--color-ink); font-size: 23px; text-decoration: none; white-space: nowrap; }
.brand span, .footer-brand span { color: var(--color-accent); padding-inline: 4px; }
.brand small { color: var(--color-muted); font: 500 var(--text-sm)/1.3 var(--font-body); text-transform: none; }
.topnav { display: flex; flex-wrap: wrap; align-items: center; justify-content: flex-end; gap: var(--space-lg); }
.topnav a, .footer-links a { color: var(--color-ink); font: 500 var(--text-sm)/1.3 var(--font-body); text-decoration: none; }
.topnav a:hover, .footer-links a:hover { color: var(--color-accent); text-decoration: underline; }
.topnav a[aria-current="page"] { text-decoration: underline; text-decoration-color: var(--color-accent); text-decoration-thickness: 2px; text-underline-offset: 6px; }
.topnav a:focus-visible, .footer-links a:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible { outline: 2px solid var(--color-focus); outline-offset: 3px; }
.eyebrow, .example-label .eyebrow, .chip { display: inline-block; color: var(--color-muted); font: 500 var(--text-sm)/1.3 var(--font-body); letter-spacing: 0; text-transform: none; }
.home { max-width: 1040px; }
.intro { min-height: min(700px, calc(100svh - 68px)); display: flex; align-items: center; padding-block: clamp(72px, 12vh, 150px) clamp(48px, 9vh, 100px); border-bottom: var(--rule-bar) solid var(--color-ink); }
.intro-copy { max-width: 840px; }
.intro .eyebrow { margin: 0 0 var(--space-lg); }
.intro h1 { max-width: 12ch; margin: 0 0 var(--space-lg); font-size: clamp(4rem, 9vw, 8.5rem); line-height: .96; }
h1.sentence-case, .hero h1.sentence-case { font-family: var(--font-headline); font-weight: 500; text-transform: none; letter-spacing: 0; line-height: 1.04; }
.intro h1 em { color: inherit; font-style: normal; }
.lede, .intro .lede { max-width: 56ch; margin: 0; color: var(--color-ink-2); font-size: var(--text-lead); line-height: 1.5; }
.intro-links { display: flex; flex-wrap: wrap; gap: var(--space-lg); margin: var(--space-xl) 0 0; font-size: var(--text-sm); }
.hero-note { margin: var(--space-md) 0; color: var(--color-muted); font-size: var(--text-sm); }
.intro-links span { display: none; }
.intro-links .copy-separator { display: inline; }
.copy-separator::before { content: "·"; padding-inline: var(--space-xs); color: var(--color-accent); }
.intro-links a { color: var(--color-ink); }
.worked-example { padding: clamp(40px, 7vw, 80px) 0; border-bottom: var(--rule-hair) solid var(--color-ink); }
.example-label { display: flex; align-items: end; justify-content: space-between; gap: var(--space-lg); margin-bottom: var(--space-xl); padding-top: var(--space-sm); border-top: var(--rule-bar) solid var(--color-ink); }
.example-index { color: var(--color-muted); font: 500 var(--text-sm)/1.3 var(--font-body); }
.example-content { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(280px, .8fr); gap: clamp(32px, 7vw, 96px); align-items: center; }
.example-content h2, .work-heading h2 { max-width: 14ch; margin: 0 0 var(--space-md); font-size: clamp(2rem, 4vw, 3.4rem); }
.example-content > div:first-child > p { max-width: 52ch; margin: 0 0 var(--space-lg); color: var(--color-ink-2); font-size: var(--text-md); }
.text-link { display: inline-block; font-size: var(--text-md); font-weight: 600; color: var(--color-ink); }
.text-link:hover { color: var(--color-accent); }
.example-figure { padding: var(--space-lg); background: var(--color-paper-2); border: var(--rule-frame) solid var(--color-ink); box-shadow: inset 0 0 0 3px var(--color-paper-2), inset 0 0 0 4px var(--color-ink); }
.figure-row { display: flex; justify-content: space-between; gap: var(--space-md); padding: var(--space-xs) 0; color: var(--color-ink-2); font-size: var(--text-sm); }
.figure-row strong { color: var(--color-ink); font-size: var(--text-md); font-weight: 600; font-variant-numeric: tabular-nums; }
.figure-rule { margin: var(--space-sm) 0; border-top: var(--rule-bar) solid var(--color-ink); }
.figure-result { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: var(--space-sm); }
.figure-result > strong { color: var(--color-accent); font: 500 clamp(3rem, 5vw, 4.25rem)/.95 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.figure-result small { font: 500 var(--text-sm)/1.3 var(--font-body); }
.figure-result > span { color: var(--color-ink); font-size: var(--text-sm); font-weight: 600; }
.example-figure > p { margin: var(--space-md) 0 0; color: var(--color-muted); font-size: var(--text-sm); }
.work-section { padding: clamp(48px, 8vw, 96px) 0 0; }
.work-heading { display: flex; align-items: end; justify-content: space-between; gap: var(--space-xl); margin-bottom: var(--space-xl); }
.work-heading h2 { margin: var(--space-xs) 0 0; }
.work-heading > p { max-width: 28ch; margin: 0; color: var(--color-muted); font-size: var(--text-md); }
.work-list { border-top: var(--rule-bar) solid var(--color-ink); }
.work-item { display: grid; grid-template-columns: minmax(0, 1fr) 28px; gap: var(--space-lg); align-items: start; padding: var(--space-xl) 0; border-bottom: var(--rule-hair) solid var(--color-rule); }
.work-meta { display: flex; gap: var(--space-md); padding-top: var(--space-xs); color: var(--color-muted); font-size: var(--text-sm); }
.work-meta span:first-child { color: var(--color-accent); font-variant-numeric: tabular-nums; }
.work-main h3 { margin: 0 0 var(--space-sm); font-size: clamp(1.7rem, 3vw, 2.6rem); }
.work-main h3 a { color: var(--color-ink); text-decoration: none; }
.work-main h3 a:hover { color: var(--color-accent); }
.work-main p { max-width: 70ch; color: var(--color-ink-2); font-size: var(--text-md); }
.work-main code { color: var(--color-accent); font-family: var(--font-body); font-weight: 600; }
.work-arrow { color: var(--color-accent); font-size: 1.5rem; line-height: 1.2; text-decoration: none; }
.work-arrow:hover { color: var(--color-ink); }
.site-footer { margin-top: clamp(48px, 8vw, 96px); padding: var(--space-xl) 0 var(--space-2xl); border-top: var(--rule-bar) solid var(--color-ink); }
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: var(--space-lg); }
.footer-brand { font-size: 1.4rem; }
.footer-inner > p, .footer-note { color: var(--color-muted); font-size: var(--text-sm); }
.footer-sep { padding-inline: var(--space-xs); }
.footer-links { display: flex; flex-wrap: wrap; gap: var(--space-lg); }

/* Calculator directory: a practical index, set as rows rather than promo tiles. */
.hero { padding: clamp(64px, 10vh, 116px) 0 var(--space-2xl); }
.hero h1 { max-width: 12ch; margin: 0 0 var(--space-lg); font-size: clamp(4rem, 9vw, 8rem); }
.hero.prose h1 { max-width: none; }
.hero .lede { max-width: 62ch; }
.section { padding: 0 0 var(--space-2xl); }
.section-head h2, .toc > h2 { margin: 0 0 var(--space-sm); font-size: var(--text-section); }
.section-head p, .toc > p { margin: 0 0 var(--space-xl); color: var(--color-muted); }
.card-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: var(--rule-bar) solid var(--color-ink); }
.card { display: flex; flex-direction: column; align-items: flex-start; gap: var(--space-md); min-height: 340px; padding: var(--space-xl); background: transparent; border: 0; border-right: var(--rule-hair) solid var(--color-rule); border-bottom: var(--rule-hair) solid var(--color-rule); text-decoration: none; color: var(--color-ink); }
.card:first-child { background: var(--color-paper-2); }
.card:last-child { border-right: 0; }
a.card:hover { background: var(--color-paper-3); }
.badge { display: inline-block; padding: 0; border: 0; background: none; color: var(--color-muted); font: 500 var(--text-sm)/1.3 var(--font-body); letter-spacing: 0; text-transform: none; }
.badge.price { color: var(--color-accent); }
.card h2 { max-width: 15ch; margin: 0; font-size: clamp(1.7rem, 2.5vw, 2.4rem); }
.card p { flex: 1; color: var(--color-ink-2); font-size: var(--text-md); }
.card .go { color: var(--color-ink); font-size: var(--text-md); font-weight: 600; text-decoration: underline; text-underline-offset: .2em; }
.prose h1 { font-size: inherit; }

/* Teen Money Guide: print folio, chapter index, live calculator, long reading. */
.lj-bar { background: var(--color-ink); color: var(--color-paper); font-size: var(--text-sm); line-height: 1.4; }
.lj-bar-inner { width: min(100% - 56px, var(--wrap)); margin-inline: auto; padding: var(--space-xs) 0; display: flex; align-items: center; justify-content: space-between; gap: var(--space-lg); }
.lj-bar a { color: var(--color-paper); text-decoration: none; font-weight: 600; }
.lj-bar a:hover { text-decoration: underline; }
.lj-bar .lj-brand { font-weight: 600; }
.lj-bar .lj-brand i { color: var(--color-accent); font-style: normal; }
.lj-bar nav { display: flex; flex-wrap: wrap; gap: var(--space-lg); }
.lj-foot { width: min(100% - 56px, var(--wrap)); margin: 0 auto; padding: var(--space-xl) 0 var(--space-2xl); border-top: var(--rule-hair) solid var(--color-rule); color: var(--color-muted); font-size: var(--text-sm); }
.lj-foot a { color: var(--color-ink); font-weight: 600; }
.hero .eyebrow { margin-bottom: var(--space-md); }
.hero h1 { max-width: 11ch; margin: 0 0 var(--space-lg); font-size: clamp(4rem, 8vw, 7.5rem); }
.hero h1 em { font-style: normal; }
.hero-stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; margin: var(--space-xl) 0; border-top: var(--rule-bar) solid var(--color-ink); border-bottom: var(--rule-hair) solid var(--color-rule); }
.hero-stats .stat { min-width: 0; padding: var(--space-md) var(--space-lg); background: transparent; border: 0; border-right: var(--rule-hair) solid var(--color-rule); }
.hero-stats .stat:first-child { padding-left: 0; }
.hero-stats .stat:last-child { border-right: 0; }
.hero-stats .stat b { display: block; margin-bottom: var(--space-xs); font: 500 clamp(2.3rem, 4vw, 3.5rem)/1 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.hero-stats .stat span { color: var(--color-muted); font-size: var(--text-sm); }
.hero-img, .article-img { overflow: hidden; background: var(--color-paper-2); border: var(--rule-frame) solid var(--color-ink); box-shadow: inset 0 0 0 3px var(--color-paper), inset 0 0 0 4px var(--color-ink); padding: 5px; }
.hero-img img, .article-img img { width: 100%; height: auto; aspect-ratio: 16 / 8; object-fit: cover; filter: grayscale(1) contrast(1.08); mix-blend-mode: multiply; }
.caption { max-width: 64ch; margin: var(--space-sm) 0 0; color: var(--color-muted); font-size: var(--text-sm); }
.toc { padding: clamp(48px, 8vw, 96px) 0 var(--space-2xl); }
.toc-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: var(--space-xl); border-top: var(--rule-bar) solid var(--color-ink); }
.toc-card { display: flex; flex-direction: column; color: var(--color-ink); text-decoration: none; border-right: var(--rule-hair) solid var(--color-rule); border-bottom: var(--rule-hair) solid var(--color-rule); }
.toc-card:last-child { border-right: 0; }
.toc-card img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; filter: grayscale(1) contrast(1.08); mix-blend-mode: multiply; border-bottom: var(--rule-hair) solid var(--color-rule); }
.toc-card:hover .toc-body h3 { color: var(--color-accent); }
.toc-body { display: flex; flex: 1; flex-direction: column; align-items: flex-start; gap: var(--space-sm); padding: var(--space-lg); }
.chip { padding: 0; background: none; color: var(--color-muted); border: 0; }
.chip.coral, .chip.amber { color: var(--color-muted); background: none; }
.toc-body h3 { margin: 0; font-size: clamp(1.35rem, 2.2vw, 2rem); }
.toc-body p { color: var(--color-ink-2); font-size: var(--text-md); }
.toc-num { margin-top: auto; padding-top: var(--space-lg); color: var(--color-accent); font: 500 2.2rem/1 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.toc-num small { color: var(--color-muted); font: 500 var(--text-sm)/1.4 var(--font-body); }
.calc-section { margin: var(--space-2xl) 0; }
.calc-shell { padding: clamp(24px, 4vw, 48px); color: var(--color-ink); background: var(--color-paper-2); border: 0; border-top: var(--rule-bar) solid var(--color-accent); }
.calc-shell h2 { margin: 0 0 var(--space-sm); font-size: clamp(2rem, 4vw, 3.5rem); }
.calc-shell .sub { max-width: 66ch; margin: 0 0 var(--space-xl); color: var(--color-ink-2); }
.calc-note { margin: var(--space-sm) 0; color: var(--color-muted); font-size: var(--text-sm); }
.calc-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: var(--space-xl); }
.field { margin-bottom: var(--space-lg); }
.field label { display: flex; justify-content: space-between; gap: var(--space-md); margin-bottom: var(--space-xs); font-weight: 600; }
.field label output { padding: 2px var(--space-xs); background: var(--color-paper); font-variant-numeric: tabular-nums; }
input[type="range"] { width: 100%; min-height: 36px; accent-color: var(--color-accent); }
.presets { display: flex; flex-wrap: wrap; gap: var(--space-xs); margin: var(--space-sm) 0 var(--space-xs); }
.presets button, .btn-reset { min-height: 44px; padding: 0 var(--space-md); color: var(--color-ink); background: var(--color-paper); border: 1px solid var(--color-ink); border-radius: 0; font: 600 var(--text-sm)/1.3 var(--font-body); cursor: pointer; }
.presets button:hover, .btn-reset:hover { background: var(--color-paper-3); }
.presets button.active { color: var(--color-accent-ink); background: var(--color-accent); border-color: var(--color-accent); }
.results { padding: var(--space-lg); background: var(--color-paper); border: var(--rule-frame) solid var(--color-ink); }
.results-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-lg); }
.result { min-width: 0; }
.result b { display: block; font: 500 clamp(1.75rem, 3vw, 2.5rem)/1 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.result span { color: var(--color-muted); font-size: var(--text-sm); }
.result small { display: block; color: var(--color-muted); font-size: var(--text-sm); }
.warn { display: none; margin-top: var(--space-md); padding: var(--space-md); color: var(--color-ink); background: color-mix(in oklab, var(--color-accent) 12%, var(--color-paper)); border: 1px solid var(--color-accent); }
.warn.show { display: block; }
.chart-wrap { margin-top: var(--space-lg); padding-top: var(--space-md); border-top: var(--rule-hair) solid var(--color-rule); }
.chart-wrap p { margin: 0 0 var(--space-xs); color: var(--color-muted); font-size: var(--text-sm); }
svg text { fill: var(--color-muted); font-size: 11px; }
article { margin-top: var(--space-2xl); padding: var(--space-2xl) 0 0; border-top: var(--rule-bar) solid var(--color-ink); }
article:first-of-type { border-top: 0; }
.article-head { max-width: 800px; margin: 0 auto var(--space-lg); }
.article-head h2 { max-width: 16ch; margin: var(--space-sm) 0; font-size: clamp(2.5rem, 5vw, 4.5rem); }
.dek { max-width: 66ch; margin: 0 0 var(--space-sm); color: var(--color-ink-2); font-size: var(--text-lead); }
.meta { margin-bottom: var(--space-lg); color: var(--color-muted); font-size: var(--text-sm); }
.article-img { max-width: 960px; margin: 0 auto var(--space-xl); }
.prose { max-width: var(--measure); margin: 0 auto; font-size: clamp(1.05rem, 1.25vw, 1.2rem); line-height: 1.72; }
.prose p { margin: 0 0 var(--space-md); }
.prose h3 { margin: var(--space-2xl) 0 var(--space-md); font-size: clamp(1.5rem, 2.4vw, 2.3rem); }
.prose h4, .path h4, .callout h4, .action h4 { margin: 0 0 var(--space-xs); font-size: 1.2rem; }
.question { margin: var(--space-xl) 0; padding: var(--space-lg); background: var(--color-paper-2); border-left: var(--rule-bar) solid var(--color-accent); font-size: var(--text-lead); }
.callout { margin: var(--space-xl) 0; padding: var(--space-lg); background: var(--color-paper-2); border-top: var(--rule-hair) solid var(--color-rule); }
.callout.coral, .callout.amber { background: var(--color-paper-2); }
.callout p, .callout li { font-size: var(--text-md); }
.action { margin: var(--space-xl) 0; padding: var(--space-lg); color: var(--color-paper); background: var(--color-ink); border-top: var(--rule-bar) solid var(--color-accent); }
.action h4 { color: var(--color-paper); }
.action p { font-size: var(--text-md); }
.table-wrap { overflow-x: auto; margin: var(--space-xl) 0; background: var(--color-paper-2); border-top: var(--rule-bar) solid var(--color-ink); }
table { width: 100%; border-collapse: collapse; font: 400 var(--text-md)/1.5 var(--font-body); }
th, td { padding: var(--space-sm) var(--space-md); text-align: left; vertical-align: top; border-bottom: var(--rule-hair) solid var(--color-rule); }
th { color: var(--color-muted); background: var(--color-paper); font-size: var(--text-sm); font-weight: 600; }
td.num, th.num { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }
tr.total td { font-weight: 600; background: var(--color-paper-3); }
ul.tight li, ol.tight li { margin-bottom: var(--space-xs); }
.paths { display: grid; gap: var(--space-md); margin: var(--space-xl) 0; }
.path { padding: var(--space-lg); background: var(--color-paper-2); border-top: var(--rule-hair) solid var(--color-rule); }
.path h4 { font-size: var(--text-lg); }
.path p { font-size: var(--text-md); }
.path .big { color: var(--color-accent); font: 400 1.25em/1 var(--font-display-2); font-variant-numeric: tabular-nums; }
.end { margin: var(--space-2xl) 0; padding: var(--space-xl) 0; border-top: var(--rule-bar) solid var(--color-accent); border-bottom: var(--rule-hair) solid var(--color-rule); background: transparent; }
.end h2 { margin: 0 0 var(--space-sm); font-size: clamp(2rem, 4vw, 3.2rem); }
.end p { max-width: 66ch; margin: 0 0 var(--space-md); color: var(--color-ink-2); }
.end a::after { content: " →"; }
main.wrap > footer { padding: var(--space-xl) 0 var(--space-2xl); color: var(--color-muted); font-size: var(--text-sm); text-align: left; }

/* Standalone payoff calculator: compact task surface, same paper and ink. */
.wrap:has(> .grid) { max-width: 1120px; padding-top: var(--space-xl); }
.kicker { display: inline-block; margin-bottom: var(--space-sm); color: var(--color-muted); font-size: var(--text-sm); }
.wrap > h1 { max-width: 15ch; margin: 0 0 var(--space-md); font: 400 clamp(3.2rem, 7vw, 6rem)/1.02 var(--font-display); text-transform: uppercase; }
.hl { color: var(--color-accent); }
.wrap > .lede { max-width: 66ch; margin-bottom: var(--space-xl); color: var(--color-ink-2); font-size: var(--text-lead); }
.story-strip { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); align-items: stretch; margin: var(--space-xl) 0; border-top: var(--rule-bar) solid var(--color-ink); border-bottom: var(--rule-hair) solid var(--color-rule); }
.story-chip { display: flex; flex-direction: column; justify-content: center; gap: var(--space-2xs); min-width: 0; padding: var(--space-md); border-right: var(--rule-hair) solid var(--color-rule); }
.story-chip:first-child { padding-left: 0; }
.story-chip:nth-child(4) { border-right: 0; }
.story-chip .n { color: var(--color-ink); font: 500 clamp(2.1rem, 4vw, 3.6rem)/.95 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.story-chip.danger .n { color: var(--color-accent); }
.story-chip .l { color: var(--color-muted); font-size: var(--text-sm); }
.btn-reset { grid-column: 1 / -1; justify-self: start; margin: var(--space-md) 0; white-space: nowrap; }
.grid { display: grid; grid-template-columns: minmax(260px, .8fr) minmax(0, 1.2fr); align-items: start; gap: var(--space-xl); }
.grid > .card { min-height: 0; padding: var(--space-lg); background: var(--color-paper-2); border: 0; border-top: var(--rule-bar) solid var(--color-ink); }
.results { display: grid; gap: var(--space-lg); padding: 0; background: transparent; border: 0; }
.results .card { min-height: 0; padding: var(--space-lg); background: var(--color-paper); border: 0; border-top: var(--rule-bar) solid var(--color-ink); }
.card h2 { margin: 0 0 var(--space-xs); font-size: clamp(1.6rem, 2.5vw, 2.25rem); }
.card .sub { margin: 0 0 var(--space-lg); color: var(--color-muted); font-size: var(--text-sm); }
.field { margin-bottom: var(--space-lg); }
.field-head { display: flex; align-items: center; justify-content: space-between; gap: var(--space-sm); margin-bottom: var(--space-xs); }
.field-head label { font-size: var(--text-md); font-weight: 600; }
.money-input { display: flex; align-items: center; min-height: 44px; padding-inline: var(--space-xs); background: var(--color-paper); border: 1px solid var(--color-muted); }
.money-input span { color: var(--color-muted); }
.money-input input { width: 7ch; min-height: 40px; border: 0; background: transparent; color: var(--color-ink); text-align: right; font-variant-numeric: tabular-nums; }
.money-input input:focus-visible { outline-offset: -2px; }
input[type="range"] { width: 100%; accent-color: var(--color-accent); }
.scale { display: flex; justify-content: space-between; color: var(--color-muted); font-size: var(--text-sm); }
.hint { margin: var(--space-xs) 0 0; color: var(--color-muted); font-size: var(--text-sm); }
.first-month, .warn { padding: var(--space-md); background: var(--color-paper-2); border-left: var(--rule-bar) solid var(--color-accent); }
.stat-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--space-md); }
.stat { min-width: 0; padding: var(--space-md); background: var(--color-paper-2); }
.stat .l { color: var(--color-muted); font-size: var(--text-sm); }
.stat .v { margin: var(--space-xs) 0; font: 500 clamp(1.8rem, 3vw, 2.5rem)/1 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.stat .d { color: var(--color-ink-2); font-size: var(--text-sm); }
.total-line { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: var(--space-md); padding: var(--space-md) 0; border-top: var(--rule-hair) solid var(--color-rule); }
.total-line .big { color: var(--color-accent); font: 500 clamp(2.3rem, 4vw, 3.5rem)/1 var(--font-numbers); font-variant-numeric: lining-nums tabular-nums; }
.cost-bar, .split-bar { display: flex; height: 12px; overflow: hidden; background: var(--color-paper-3); }
.cost-bar .principal, .split-bar .to-balance { background: var(--color-ink-2); }
.cost-bar .interest, .split-bar .to-interest { background: var(--color-accent); }
.cost-legend, .split-legend { display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--space-sm); margin-top: var(--space-sm); color: var(--color-muted); font-size: var(--text-sm); }
.dot-good, .dot-trap { display: inline-block; width: 9px; height: 9px; margin-right: 5px; background: var(--color-ink-2); }
.dot-trap { background: var(--color-accent); }
.chart { width: 100%; height: auto; }
.chart-note { margin: var(--space-sm) 0 0; color: var(--color-muted); font-size: var(--text-sm); }
.card table { width: 100%; border-collapse: collapse; }
.card th, .card td { padding: var(--space-sm); border-bottom: var(--rule-hair) solid var(--color-rule); }
.card thead th { color: var(--color-muted); font-size: var(--text-sm); font-weight: 600; }
.card td .pay { font-weight: 600; font-variant-numeric: tabular-nums; }
.tag { display: inline-block; margin-left: var(--space-xs); color: var(--color-accent); font-size: var(--text-sm); }
.save { color: var(--color-accent); font-weight: 600; }
.current-row td { background: var(--color-paper-2); }
.sched { font-variant-numeric: tabular-nums; }
.sched td:first-child, .sched th:first-child { text-align: left; }
.how { margin: var(--space-2xl) 0; padding: var(--space-lg); background: var(--color-paper-2); border-top: var(--rule-bar) solid var(--color-ink); }
.how h2 { margin: 0 0 var(--space-md); font-size: var(--text-section); }
.how p { margin-bottom: var(--space-md); }
.how code { padding: 0 var(--space-2xs); background: var(--color-paper); font-family: var(--font-body); }
.how a { color: var(--color-ink); }
.wrap > footer { padding: var(--space-xl) 0; border-top: var(--rule-hair) solid var(--color-rule); color: var(--color-muted); font-size: var(--text-sm); }

@media (max-width: 900px) {
  .card-grid, .toc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .card:nth-child(2), .toc-card:nth-child(2) { border-right: 0; }
  .card:last-child, .toc-card:last-child { grid-column: 1 / -1; border-right: 0; }
  .grid { grid-template-columns: minmax(0, 1fr); }
  .grid > .card { width: 100%; }
}
@media (max-width: 640px) {
  :root { --gutter: 20px; --gap-columns: 16px; }
  .wrap, .lj-bar-inner, .lj-foot { width: min(100% - 32px, var(--wrap)); }
  .topbar-inner { align-items: flex-start; flex-direction: column; gap: var(--space-xs); padding-block: var(--space-sm); }
  .topnav { justify-content: flex-start; gap: var(--space-md); }
  .topnav a { font-size: var(--text-sm); }
  .intro { min-height: 0; padding-block: 72px 56px; }
  .intro h1 { font-size: clamp(3.8rem, 15vw, 6.5rem); }
  .example-content { grid-template-columns: minmax(0, 1fr); gap: var(--space-xl); }
  .example-label, .work-heading { align-items: flex-start; flex-direction: column; }
  .work-item { grid-template-columns: minmax(0, 1fr) 22px; gap: var(--space-sm); padding-block: var(--space-lg); }
  .work-meta { display: block; }
  .work-meta span { display: block; }
  .work-main h3 { font-size: 1.45rem; }
  .work-main p { font-size: var(--text-sm); }
  .card-grid, .toc-grid { grid-template-columns: minmax(0, 1fr); }
  .card, .toc-card, .card:nth-child(2), .toc-card:nth-child(2) { grid-column: auto; border-right: 0; }
  .card { min-height: 0; padding: var(--space-lg) 0; }
  .hero { padding-block: 72px var(--space-xl); }
  .hero h1 { font-size: clamp(3.8rem, 17vw, 6rem); }
  .hero-stats { grid-template-columns: minmax(0, 1fr); }
  .hero-stats .stat, .hero-stats .stat:first-child { padding: var(--space-sm) 0; border-right: 0; border-bottom: var(--rule-hair) solid var(--color-rule); }
  .hero-stats .stat:last-child { border-bottom: 0; }
  .hero-img img, .article-img img { aspect-ratio: 4 / 3; }
  .toc-card { border-bottom: var(--rule-hair) solid var(--color-rule); }
  .toc-card img { aspect-ratio: 16 / 9; }
  .calc-grid, .results-grid, .stat-grid { grid-template-columns: minmax(0, 1fr); }
  .calc-shell { padding: var(--space-lg); }
  .article-head, .prose { max-width: none; }
  article { margin-top: var(--space-xl); padding-top: var(--space-xl); }
  .article-head h2 { font-size: clamp(2.4rem, 11vw, 3.5rem); }
  .lj-bar-inner { align-items: flex-start; flex-direction: column; }
  .story-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .story-chip:nth-child(2) { border-right: 0; }
  .story-chip:nth-child(4) { border-right: 0; }
  .story-chip { border-bottom: var(--rule-hair) solid var(--color-rule); }
  .btn-reset { grid-column: 1 / -1; }
  .results { min-width: 0; }
  .results .card { padding-inline: 0; }
  .table-wrap { max-width: 100%; }
  th, td, .card th, .card td { padding: var(--space-xs); }
  .footer-inner { align-items: flex-start; flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; } }