:root {
  color-scheme: light dark;
  --tool-bg: #f7f8f5;
  --tool-panel: #ffffff;
  --tool-ink: #1f3a3d;
  --tool-muted: #6b7280;
  --tool-accent: #2f6f73;
  --tool-gold: #d9b24c;
  --tool-line: rgba(31, 58, 61, 0.16);
  --tool-soft: rgba(47, 111, 115, 0.1);
}

body {
  background:
    linear-gradient(180deg, rgba(47, 111, 115, 0.08), transparent 260px),
    var(--tool-bg);
}

.tool-home {
  display: grid;
  gap: 14px;
  margin: 24px 0 30px;
}

.tool-card {
  display: grid;
  gap: 8px;
  padding: 20px;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: var(--tool-panel);
  color: var(--tool-ink);
  text-decoration: none;
  box-shadow: 0 18px 42px rgba(31, 58, 61, 0.1);
}

.tool-card:focus-visible,
.schedule-toggle:focus-visible,
.loan-tool input:focus-visible,
.loan-tool select:focus-visible {
  outline: 3px solid rgba(217, 178, 76, 0.7);
  outline-offset: 2px;
}

.tool-card-kicker,
.panel-kicker {
  margin: 0;
  color: var(--tool-accent);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

.tool-card strong {
  font-size: 1.25rem;
}

.tool-card span:last-child {
  color: var(--tool-muted);
}

.loan-tool {
  display: grid;
  gap: 14px;
  margin: 22px 0 32px;
}

.loan-panel {
  position: relative;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: var(--tool-panel);
  box-shadow: 0 18px 42px rgba(31, 58, 61, 0.1);
  overflow: hidden;
}

.input-panel,
.result-panel {
  padding: 16px;
}

.panel-head {
  display: grid;
  gap: 3px;
  margin-bottom: 14px;
}

.panel-head h2 {
  margin: 0;
  font-size: 1.2rem;
}

.field-grid {
  display: grid;
  gap: 12px;
}

.loan-tool label {
  display: grid;
  gap: 6px;
  color: var(--tool-ink);
  font-weight: 800;
}

.loan-tool small {
  color: var(--tool-muted);
  font-size: 0.82rem;
  font-weight: 500;
}

.loan-tool input,
.loan-tool select {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: color-mix(in srgb, var(--tool-panel) 88%, var(--tool-bg));
  color: var(--tool-ink);
  font: inherit;
  font-size: 16px;
}

.loan-tool input {
  padding: 10px 12px;
}

.loan-tool select {
  padding: 10px;
}

.period-row {
  display: grid;
  grid-template-columns: 1fr 96px;
  gap: 8px;
}

.method-field {
  display: grid;
  gap: 8px;
  margin: 16px 0 0;
  padding: 12px;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: var(--tool-soft);
}

.method-field legend {
  padding: 0 4px;
  color: var(--tool-ink);
  font-weight: 900;
}

.method-field label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
}

.method-field input {
  width: 18px;
  min-height: 18px;
  accent-color: var(--tool-accent);
}

.loan-error {
  min-height: 1.3em;
  margin: 10px 0 0;
  color: #a33a2f;
  font-weight: 800;
}

.receipt-strip {
  position: absolute;
  inset: 0 0 auto;
  height: 9px;
  background: repeating-linear-gradient(90deg, var(--tool-gold) 0 18px, var(--tool-accent) 18px 36px);
}

.result-panel {
  padding-top: 26px;
}

.result-grid {
  display: grid;
  gap: 10px;
}

.result-grid > div {
  display: grid;
  gap: 2px;
  padding: 13px;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: color-mix(in srgb, var(--tool-panel) 92%, var(--tool-bg));
}

.result-grid span {
  color: var(--tool-muted);
  font-size: 0.86rem;
  font-weight: 800;
}

.result-grid strong {
  color: var(--tool-ink);
  font-size: clamp(1.35rem, 8vw, 2.1rem);
  letter-spacing: 0;
  line-height: 1.1;
  word-break: keep-all;
}

.schedule-toggle {
  width: 100%;
  min-height: 46px;
  margin-top: 14px;
  border: 1px solid var(--tool-accent);
  border-radius: 8px;
  background: var(--tool-accent);
  color: #fff;
  font: inherit;
  font-size: 16px;
  font-weight: 900;
  cursor: pointer;
}

.schedule-wrap {
  max-height: 520px;
  border: 1px solid var(--tool-line);
  border-radius: 8px;
  background: var(--tool-panel);
  overflow: auto;
}

.schedule-wrap.is-collapsed {
  max-height: 0;
  border-width: 0;
  overflow: hidden;
}

.schedule-table {
  min-width: 680px;
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.schedule-table th,
.schedule-table td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--tool-line);
  text-align: right;
  white-space: nowrap;
}

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

.schedule-table th {
  position: sticky;
  top: 0;
  background: var(--tool-accent);
  color: #fff;
}

@media (min-width: 760px) {
  .loan-tool {
    grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
    align-items: start;
  }

  .schedule-wrap {
    grid-column: 1 / -1;
  }

  .field-grid {
    grid-template-columns: 1fr 0.65fr;
  }

  .field-grid label:first-child,
  .field-grid label:last-child {
    grid-column: 1 / -1;
  }

  .method-field {
    grid-template-columns: repeat(3, 1fr);
  }

  .method-field legend {
    grid-column: 1 / -1;
  }
}

@media (prefers-color-scheme: dark) {
  :root {
    --tool-bg: #121918;
    --tool-panel: #182221;
    --tool-ink: #edf4ef;
    --tool-muted: #a7b2ad;
    --tool-line: rgba(237, 244, 239, 0.16);
    --tool-soft: rgba(217, 178, 76, 0.11);
  }

  .tool-card,
  .loan-panel,
  .schedule-wrap {
    box-shadow: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
  }
}