:root {
    --bg: #f6f8fb;
    --card: #ffffff;
    --text: #183153;
    --muted: #6b7a90;
    --border: #dbe3ee;
    --primary: #1f5fae;
    --primary-dark: #154783;
    --green: #2fa84f;
    --yellow: #f1d77a;
    --shadow: 0 8px 24px rgba(20, 50, 90, 0.08);
    --radius: 18px;
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    background: var(--bg);
    color: var(--text);
}

a {
    text-decoration: none;
}

.container {
    width: min(1180px, 92%);
    margin: 0 auto;
}

.site-header {
    background: #fff;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 20;
}

.nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 0;
}

.logo {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

nav {
    display: flex;
    gap: 24px;
    align-items: center;
}

.nav-link {
    color: var(--text);
    font-size: 0.95rem;
}

.nav-link span {
    color: var(--muted);
    font-size: 0.8rem;
    margin-left: 4px;
}

.nav-link.disabled {
    opacity: 0.65;
    pointer-events: none;
}

.hero {
    padding: 70px 0 40px;
    text-align: center;
}

.hero h1 {
    font-size: 2.6rem;
    margin: 0 0 14px;
}

.hero p {
    color: var(--muted);
    max-width: 760px;
    margin: 0 auto 28px;
    font-size: 1.08rem;
    line-height: 1.6;
}

.btn {
    display: inline-block;
    background: var(--primary);
    color: #fff;
    padding: 14px 26px;
    border-radius: 12px;
    font-weight: 700;
    border: none;
    cursor: pointer;
    box-shadow: var(--shadow);
}

.btn:hover {
    background: var(--primary-dark);
}

.btn-outline {
    background: #fff;
    color: var(--primary);
    border: 1px solid var(--primary);
    box-shadow: none;
}

.cards-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    margin: 36px 0 70px;
}

.info-card,
.form-card,
.result-card,
.big-card,
.table-card {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.info-card {
    padding: 28px;
    min-height: 180px;
}

.info-card h3 {
    margin-top: 0;
}

.info-card p {
    color: var(--muted);
    line-height: 1.6;
}

.coming-soon {
    display: inline-block;
    margin-top: 12px;
    color: var(--muted);
    font-size: 0.9rem;
    font-weight: 600;
}

.section {
    padding: 28px 0 60px;
}

.page-title {
    text-align: center;
    margin: 40px 0 10px;
    font-size: 2.25rem;
}

.page-subtitle {
    text-align: center;
    color: var(--muted);
    margin-bottom: 36px;
}

.refi-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 22px;
}

.form-card {
    padding: 28px;
}

.form-card h2,
.preference-card h2 {
    margin-top: 0;
    font-size: 1.4rem;
}

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    margin-bottom: 7px;
    font-weight: 600;
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 14px 14px;
    border-radius: 12px;
    border: 1px solid var(--border);
    font-size: 1rem;
    background: #fff;
}

.preference-card {
    margin-top: 22px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 28px;
}

.preference-row {
    display: flex;
    align-items: center;
    gap: 18px;
    margin: 20px 0;
}

.preference-row span {
    font-weight: 600;
    color: var(--text);
    min-width: 150px;
    text-align: center;
}

.preference-row input[type="range"] {
    flex: 1;
}

.checkbox-row {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-top: 14px;
    color: var(--text);
}

.checkbox-row input[type="number"] {
    width: 90px;
    padding: 10px;
    border: 1px solid var(--border);
    border-radius: 10px;
}

.center-action {
    text-align: center;
    margin-top: 26px;
}

.results-grid-top {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
    margin-bottom: 26px;
}

.result-card {
    padding: 24px;
    min-height: 150px;
}

.result-card h3 {
    margin: 0 0 14px;
    font-size: 1.15rem;
}

.result-card .big-number {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 10px;
}

.result-card.green {
    background: #2fa84f;
    color: #fff;
    border-color: #2fa84f;
}

.result-card.yellow {
    background: #f6e8a8;
    border-color: #eedb82;
}

.result-card.neutral {
    background: #f9fbff;
}

.split-results {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 22px;
}

.table-card,
.big-card {
    padding: 24px;
}

.table-card h2,
.big-card h2 {
    margin-top: 0;
}

table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 14px;
}

th, td {
    padding: 13px 10px;
    border-bottom: 1px solid var(--border);
    text-align: left;
    font-size: 0.95rem;
}

th {
    color: var(--text);
    background: #f8fbff;
}

.positive {
    color: #15803d;
    font-weight: 700;
}

.negative {
    color: #b42318;
    font-weight: 700;
}

.chart-box {
    height: 280px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px dashed var(--border);
    border-radius: 14px;
    color: var(--muted);
    background: #fbfdff;
    margin-top: 14px;
}

.actions-row {
    display: flex;
    gap: 16px;
    justify-content: center;
    margin-top: 28px;
    flex-wrap: wrap;
}

.site-footer {
    padding: 34px 0;
    text-align: center;
    color: var(--muted);
}

.notice {
    margin-top: 20px;
    text-align: center;
    color: var(--muted);
}

@media (max-width: 900px) {
    .refi-grid,
    .results-grid-top,
    .split-results,
    .cards-3 {
        grid-template-columns: 1fr;
    }

    .preference-row {
        flex-direction: column;
        align-items: stretch;
    }

    .preference-row span {
        min-width: auto;
    }

    nav {
        gap: 12px;
        flex-wrap: wrap;
        justify-content: flex-end;
    }
}

.readonly-field {
    background: #eef3f8 !important;
    color: #5b6778;
    cursor: not-allowed;
}