/* ============================================
   FinanceSuite — Professional Banking UI
   ============================================ */

:root {
    --navy-900: #0a1628;
    --navy-800: #0f2140;
    --navy-700: #142d58;
    --navy-600: #1a3a6e;
    --navy-500: #1e4d8e;
    --navy-400: #2a6bc4;
    --navy-300: #5a9ae6;
    --navy-200: #93c4f5;
    --navy-100: #d0e5fd;
    --navy-50:  #eaf3fc;

    --gold-600: #b8860b;
    --gold-500: #d4a017;
    --gold-400: #e6b422;
    --gold-300: #f0c94d;
    --gold-200: #f7d97a;
    --gold-100: #fdf0c4;

    --success: #059669;
    --success-light: #d1fae5;
    --danger: #dc2626;
    --danger-light: #fee2e2;

    --gray-900: #111827;
    --gray-800: #1f2937;
    --gray-700: #374151;
    --gray-600: #4b5563;
    --gray-500: #6b7280;
    --gray-400: #9ca3af;
    --gray-300: #d1d5db;
    --gray-200: #e5e7eb;
    --gray-100: #f3f4f6;
    --gray-50:  #f9fafb;
    --white: #ffffff;

    --shadow-sm: 0 1px 2px rgba(10,22,40,0.05);
    --shadow-md: 0 4px 12px rgba(10,22,40,0.08);
    --shadow-lg: 0 10px 30px rgba(10,22,40,0.12);
    --shadow-xl: 0 20px 50px rgba(10,22,40,0.16);

    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;

    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-serif: 'Playfair Display', Georgia, serif;
}

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-sans);
    background: var(--gray-50);
    color: var(--gray-800);
    line-height: 1.6;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

/* ============================================
   Top Bar
   ============================================ */
.top-bar {
    background: var(--navy-900);
    color: var(--navy-200);
    font-size: 0.8rem;
    padding: 6px 0;
}

.top-bar-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-bar-links a {
    color: var(--navy-300);
    text-decoration: none;
    margin-left: 20px;
    transition: color 0.2s;
}

.top-bar-links a:hover {
    color: var(--white);
}

/* ============================================
   Main Header
   ============================================ */
.main-header {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--shadow-sm);
}

.header-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: inherit;
}

.logo-icon {
    width: 36px;
    height: 36px;
    color: var(--navy-500);
}

.logo-icon svg {
    width: 100%;
    height: 100%;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.logo-main {
    font-family: var(--font-serif);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--navy-800);
    letter-spacing: -0.02em;
}

.logo-sub {
    font-size: 0.7rem;
    color: var(--gray-500);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.header-nav {
    display: flex;
    gap: 4px;
    background: var(--gray-100);
    padding: 4px;
    border-radius: var(--radius-md);
}

.nav-tab {
    padding: 8px 20px;
    border: none;
    background: transparent;
    color: var(--gray-600);
    font-family: var(--font-sans);
    font-size: 0.875rem;
    font-weight: 500;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all 0.2s;
}

.nav-tab:hover {
    color: var(--gray-900);
    background: var(--white);
}

.nav-tab.active {
    background: var(--white);
    color: var(--navy-700);
    box-shadow: var(--shadow-sm);
    font-weight: 600;
}

/* ============================================
   Hero Section
   ============================================ */
.hero {
    background: linear-gradient(135deg, var(--navy-800) 0%, var(--navy-600) 50%, var(--navy-500) 100%);
    padding: 60px 24px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content {
    max-width: 700px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.hero h1 {
    font-family: var(--font-serif);
    font-size: 2.8rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.hero p {
    font-size: 1.1rem;
    color: var(--navy-200);
    max-width: 550px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ============================================
   App Container
   ============================================ */
.app-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 32px 24px;
    flex: 1 0 auto;
    min-height: calc(100vh - 400px);
}

/* ============================================
   Calculator Selector
   ============================================ */
.calc-selector {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    gap: 5px;
    margin-bottom: 32px;
}

.calc-selector.cat-loans { grid-template-columns: repeat(4, 1fr); }
.calc-selector.cat-investing { grid-template-columns: repeat(6, 1fr); }
.calc-selector.cat-daily { grid-template-columns: repeat(5, 1fr); }

.calc-chip {
    display: none;
}

.calc-chip.visible {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 14px 16px;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all 0.2s;
    font-family: var(--font-sans);
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--gray-700);
    text-align: left;
}

.calc-chip:hover {
    border-color: var(--navy-300);
    box-shadow: var(--shadow-md);
    transform: translateY(-1px);
}

.calc-chip.active {
    border-color: var(--navy-500);
    background: var(--navy-50);
    color: var(--navy-700);
    box-shadow: 0 0 0 3px rgba(30,77,142,0.1);
}

.calc-chip-icon {
    width: 32px;
    height: 32px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}

.calc-chip-icon.loans { background: #dbeafe; }
.calc-chip-icon.investing { background: #dcfce7; }
.calc-chip-icon.daily { background: #fef3c7; }

/* ============================================
   Workspace
   ============================================ */
.workspace {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 24px;
    align-items: start;
}

/* ============================================
   Calculator Panel
   ============================================ */
.calc-panel {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    width: 100%;
    min-width: 0;
}

.calc-header {
    padding: 28px 32px 20px;
    border-bottom: 1px solid var(--gray-100);
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
}

.calc-title-area h2 {
    font-family: var(--font-serif);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--navy-800);
    margin-bottom: 6px;
    letter-spacing: -0.01em;
}

.calc-title-area p {
    color: var(--gray-600);
    font-size: 0.9rem;
    line-height: 1.5;
}

.calc-badge {
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    flex-shrink: 0;
    margin-top: 4px;
}

.calc-badge.loans { background: #dbeafe; color: #1e40af; }
.calc-badge.investing { background: #dcfce7; color: #166534; }
.calc-badge.daily { background: #fef3c7; color: #92400e; }

.calc-body {
    padding: 28px 32px 32px;
    width: 100%;
}

/* ============================================
   Form Inputs
   ============================================ */
.calc-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 28px;
    width: 100%;
}

.input-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.input-group.full-width {
    grid-column: 1 / -1;
}

.input-group label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gray-700);
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

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

.input-wrapper .prefix,
.input-wrapper .suffix {
    position: absolute;
    color: var(--gray-500);
    font-size: 0.9rem;
    font-weight: 500;
    pointer-events: none;
}

.input-wrapper .prefix { left: 14px; }
.input-wrapper .suffix { right: 14px; }

.input-wrapper input,
.input-wrapper select {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 1rem;
    color: var(--gray-900);
    background: var(--white);
    transition: all 0.2s;
    outline: none;
}

.input-wrapper input.has-prefix { padding-left: 30px; }
.input-wrapper input.has-suffix { padding-right: 40px; }

.input-wrapper input:focus,
.input-wrapper select:focus {
    border-color: var(--navy-400);
    box-shadow: 0 0 0 3px rgba(30,77,142,0.1);
}

.input-wrapper input::placeholder {
    color: var(--gray-400);
}

.input-wrapper select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%236b7280' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

/* ============================================
   Action Buttons
   ============================================ */
.calc-actions {
    display: flex;
    gap: 12px;
    margin-bottom: 28px;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    background: linear-gradient(135deg, var(--navy-600), var(--navy-500));
    color: var(--white);
    border: none;
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.95rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    box-shadow: 0 2px 8px rgba(30,77,142,0.3);
}

.btn-primary:hover {
    background: linear-gradient(135deg, var(--navy-700), var(--navy-600));
    box-shadow: 0 4px 12px rgba(30,77,142,0.4);
    transform: translateY(-1px);
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 24px;
    background: var(--white);
    color: var(--gray-700);
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.95rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
}

.btn-secondary:hover {
    border-color: var(--gray-400);
    background: var(--gray-50);
}

/* ============================================
   Results — FIXED: always visible to prevent bounce
   ============================================ */
.calc-results {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    overflow: hidden;
    min-height: 140px;
}

.results-placeholder {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 40px 24px;
    text-align: center;
}

.placeholder-icon {
    color: var(--gray-300);
}

.results-placeholder p {
    color: var(--gray-400);
    font-size: 0.9rem;
}

.results-content {
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(8px); }
    to { opacity: 1; transform: translateY(0); }
}

.results-header {
    padding: 16px 24px;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
}

.results-header h3 {
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--gray-600);
}

.results-grid {
    padding: 24px;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
}

.result-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.result-label {
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--gray-600);
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.result-value {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-800);
    letter-spacing: -0.02em;
    line-height: 1.3;
}

.result-value.highlight {
    color: var(--success);
}

.result-value.danger {
    color: var(--danger);
}

.result-sub {
    font-size: 0.8rem;
    color: var(--gray-500);
}

/* ============================================
   Info Panel (Sidebar)
   ============================================ */
.info-panel {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.info-card {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 24px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
}

.info-card h4 {
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--gray-600);
    margin-bottom: 12px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--gray-100);
}

.info-card p {
    font-size: 0.9rem;
    color: var(--gray-700);
    line-height: 1.7;
}

.related-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.related-list li a {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 12px;
    background: var(--gray-50);
    border-radius: var(--radius-sm);
    text-decoration: none;
    color: var(--navy-600);
    font-size: 0.875rem;
    font-weight: 500;
    transition: all 0.2s;
    cursor: pointer;
}

.related-list li a:hover {
    background: var(--navy-50);
    color: var(--navy-800);
}

.related-list li a::before {
    content: '→';
    color: var(--gray-400);
    font-weight: 600;
}

/* ============================================
   Footer
   ============================================ */
.main-footer {
    background: var(--navy-900);
    color: var(--navy-200);
    margin-top: auto;
}

.footer-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 48px 24px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}

.footer-logo {
    font-family: var(--font-serif);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--white);
    display: block;
    margin-bottom: 12px;
}

.footer-brand p {
    font-size: 0.9rem;
    line-height: 1.6;
    max-width: 300px;
}

.footer-links {
    display: flex;
    gap: 64px;
    justify-content: flex-end;
}

.footer-col h5 {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--navy-300);
    margin-bottom: 16px;
}

.footer-col a {
    display: block;
    color: var(--navy-200);
    text-decoration: none;
    font-size: 0.9rem;
    padding: 4px 0;
    transition: color 0.2s;
}

.footer-col a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid var(--navy-700);
    padding: 20px 24px;
    text-align: center;
    font-size: 0.8rem;
    color: var(--navy-400);
    max-width: 1280px;
    margin: 0 auto;
}

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 900px) {
    .workspace {
        grid-template-columns: 1fr;
    }

    .info-panel {
        order: -1;
    }

    .calc-inputs {
        grid-template-columns: 1fr;
    }

    .hero h1 {
        font-size: 2rem;
    }

    .footer-inner {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-links {
        justify-content: flex-start;
    }

    /* Override fixed column counts on smaller screens */
    .calc-selector.cat-loans,
    .calc-selector.cat-investing,
    .calc-selector.cat-daily {
        grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    }
}

@media (max-width: 600px) {
    .header-inner {
        flex-direction: column;
        height: auto;
        padding: 12px 16px;
        gap: 12px;
    }

    .calc-selector {
        grid-template-columns: 1fr 1fr;
    }

    .calc-header {
        flex-direction: column;
        gap: 12px;
        padding: 20px;
    }

    .calc-body {
        padding: 20px;
    }

    .results-grid {
        grid-template-columns: 1fr;
    }

    .hero {
        padding: 40px 16px;
    }

    .hero h1 {
        font-size: 1.6rem;
    }

    .top-bar {
        display: none;
    }
}

/* ============================================
   NEW: Auth UI — Sign In Button
   ============================================ */
.header-actions {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.btn-signin {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    background: var(--navy-600);
    color: var(--white);
    border: none;
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.85rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
}

.btn-signin:hover {
    background: var(--navy-700);
}

/* ============================================
   NEW: User Badge
   ============================================ */
.user-badge {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 6px 12px;
    background: var(--gray-100);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
}

.user-avatar {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy-500);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.85rem;
    flex-shrink: 0;
}

.user-info {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.user-name {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gray-800);
}

.user-tier {
    font-size: 0.7rem;
    font-weight: 500;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.user-tier.tier-premium {
    color: var(--gold-600);
}

.btn-signout {
    background: none;
    border: none;
    color: var(--gray-400);
    cursor: pointer;
    padding: 4px;
    display: flex;
    transition: color 0.2s;
}

.btn-signout:hover {
    color: var(--danger);
}

/* ============================================
   NEW: Auth Modal
   ============================================ */
.auth-modal {
    position: fixed;
    inset: 0;
    z-index: 1000;
    display: flex;
    align-items: center;
    justify-content: center;
}

.auth-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(10, 22, 40, 0.6);
    backdrop-filter: blur(4px);
}

.auth-dialog {
    position: relative;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 40px;
    max-width: 420px;
    width: 90%;
    max-height: calc(100vh - 40px);
    overflow-y: auto;
    text-align: center;
    margin: 20px 0;
    box-sizing: border-box;
}

.auth-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: none;
    border: none;
    color: var(--gray-400);
    cursor: pointer;
    padding: 4px;
    transition: color 0.2s;
}

.auth-close:hover {
    color: var(--gray-700);
}

.auth-icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 20px;
    background: var(--navy-50);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy-500);
}

.auth-content h2 {
    font-family: var(--font-serif);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--navy-800);
    margin-bottom: 12px;
}

.auth-content > p {
    font-size: 0.9rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: 28px;
}

.btn-google {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 14px 28px;
    background: var(--white);
    color: var(--gray-700);
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.95rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
    width: 100%;
    justify-content: center;
}

.btn-google:hover {
    border-color: var(--gray-400);
    background: var(--gray-50);
}

.auth-footer {
    margin-top: 20px;
}

.auth-footer p {
    font-size: 0.8rem;
    color: var(--gray-400);
}

/* ============================================
   NEW: Premium Lock Badge on Chips
   ============================================ */
.calc-chip.premium-locked {
    opacity: 0.6;
    border-color: var(--gold-200);
    background: var(--gold-100);
}

.calc-chip.premium-locked:hover {
    border-color: var(--gold-300);
    transform: none;
}

.premium-lock {
    position: static;
    display: inline-block;
    flex-shrink: 0;
    background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
    color: var(--white);
    font-size: 0.65rem;
    font-weight: 700;
    padding: 3px 8px;
    border-radius: 10px;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    box-shadow: 0 2px 6px rgba(212,160,23,0.4);
}

/* ============================================
   NEW: Ad Slots
   ============================================ */
.ad-slot {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

.ad-top { margin-top: 24px; }
.ad-bottom { margin-top: 32px; }

.ad-placeholder {
    background: var(--gray-100);
    border: 1px dashed var(--gray-300);
    border-radius: var(--radius-md);
    padding: 20px;
    text-align: center;
    color: var(--gray-400);
    font-size: 0.8rem;
}

.ad-sidebar .ad-placeholder {
    padding: 16px;
}

/* ============================================
   NEW: Calculation History Section
   ============================================ */
.history-section {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px 32px;
}

.history-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 16px;
}

.history-header h3 {
    font-family: var(--font-serif);
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--navy-800);
}

.history-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}

.history-count {
    font-size: 0.85rem;
    color: var(--gray-500);
    font-weight: 500;
}

.btn-upgrade {
    background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
    box-shadow: 0 2px 8px rgba(212,160,23,0.3);
}

.btn-upgrade:hover {
    background: linear-gradient(135deg, var(--gold-600), var(--gold-500));
    box-shadow: 0 4px 12px rgba(212,160,23,0.4);
    transform: translateY(-1px);
}

.history-list {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 12px;
}

.history-item {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md);
    padding: 16px;
}

.history-item-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 6px;
}

.history-item-header strong {
    font-size: 0.9rem;
    color: var(--navy-800);
}

.history-date {
    font-size: 0.75rem;
    color: var(--gray-400);
}

.history-result {
    font-size: 0.85rem;
    color: var(--gray-600);
}

.history-empty {
    grid-column: 1 / -1;
    text-align: center;
    color: var(--gray-400);
    font-size: 0.9rem;
    padding: 24px;
}

/* ============================================
   NEW: Responsive overrides for new features
   ============================================ */
@media (max-width: 900px) {
    .header-inner {
        flex-wrap: wrap;
        height: auto;
        padding: 12px 24px;
        gap: 12px;
    }

    .header-nav {
        order: 3;
        width: 100%;
        justify-content: center;
    }

    .calc-selector.cat-loans,
    .calc-selector.cat-investing,
    .calc-selector.cat-daily {
        grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    }
}

@media (max-width: 600px) {
    .header-inner {
        flex-direction: column;
        height: auto;
        padding: 12px 16px;
        gap: 12px;
    }

    .header-nav {
        order: 3;
        width: 100%;
    }

    .header-actions {
        order: 2;
    }

    .calc-selector {
        grid-template-columns: 1fr 1fr;
    }

    .history-list {
        grid-template-columns: 1fr;
    }
}

/* ============================================
   Multi-page edition — additions
   ============================================ */

/* Nav tabs are links on multi-page layout */
.header-nav a.nav-tab {
    display: inline-block;
    text-decoration: none;
}

/* Mobile hamburger */
.nav-toggle {
    display: none;
    background: transparent;
    border: none;
    color: var(--gray-700);
    cursor: pointer;
    padding: 6px;
}

/* Breadcrumbs */
.breadcrumbs {
    max-width: 1280px;
    margin: 0 auto;
    padding: 16px 24px 0;
    font-size: 0.8rem;
    color: var(--gray-500);
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}
.breadcrumbs a {
    color: var(--navy-600);
    text-decoration: none;
}
.breadcrumbs a:hover { text-decoration: underline; }
.breadcrumbs span:last-child { color: var(--gray-700); font-weight: 500; }

/* H1 on calculator pages */
#calc-title {
    font-family: var(--font-serif);
    font-size: 1.9rem;
    font-weight: 700;
    color: var(--navy-800);
    margin: 0 0 8px;
    letter-spacing: -0.02em;
}

.premium-note {
    display: inline-block;
    margin-top: 4px;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--navy-700);
    background: var(--navy-100, #eef2ff);
    padding: 4px 10px;
    border-radius: 999px;
}

.calc-badge.premium {
    background: var(--navy-800);
    color: #fff;
}

/* Lock overlay (premium gate) */
.lock-overlay {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(2px);
    border-radius: var(--radius-lg, 16px);
    z-index: 5;
}
.lock-box {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg, 16px);
    box-shadow: var(--shadow-lg, 0 12px 32px rgba(15, 23, 42, 0.12));
    padding: 32px;
    text-align: center;
    max-width: 420px;
    color: var(--navy-800);
}
.lock-box h3 {
    font-family: var(--font-serif);
    margin: 12px 0 8px;
    font-size: 1.3rem;
}
.lock-box p {
    color: var(--gray-600);
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 20px;
}
.lock-actions {
    display: flex;
    gap: 10px;
    justify-content: center;
    flex-wrap: wrap;
}
#calc-panel { position: relative; }

/* Home page */
.home-container { min-height: auto; }
.home-cat { margin-bottom: 40px; }
.home-cat-title {
    font-family: var(--font-serif);
    font-size: 1.4rem;
    color: var(--navy-800);
    margin-bottom: 16px;
}
.home-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 14px;
}
.calc-card {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-md, 10px);
    padding: 18px;
    text-decoration: none;
    transition: all 0.18s;
}
.calc-card:hover {
    border-color: var(--navy-300, #a5b4fc);
    box-shadow: var(--shadow-md, 0 6px 18px rgba(15, 23, 42, 0.08));
    transform: translateY(-2px);
}
.calc-card-icon { font-size: 1.5rem; line-height: 1; }
.calc-card-body { display: flex; flex-direction: column; gap: 4px; }
.calc-card-name {
    font-weight: 600;
    color: var(--navy-800);
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}
.calc-card-name .premium-lock { font-size: 0.68rem; }
.calc-card-desc {
    font-size: 0.8rem;
    color: var(--gray-500);
    line-height: 1.5;
}

/* Premium banner on home */
.premium-banner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
    border-radius: var(--radius-lg, 16px);
    padding: 28px 32px;
    margin-top: 8px;
}
.premium-banner h3 {
    font-family: var(--font-serif);
    color: var(--white);
    margin: 0 0 6px;
    font-size: 1.3rem;
}
.premium-banner p {
    color: var(--navy-200);
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.6;
}

/* Premium page */
.premium-container { min-height: auto; }
.premium-hero { text-align: center; margin: 16px 0 40px; }
.premium-hero h1 {
    font-family: var(--font-serif);
    font-size: 2.2rem;
    color: var(--navy-800);
    margin: 0 0 10px;
}
.premium-hero p { color: var(--gray-600); font-size: 1.05rem; margin: 0; }
.premium-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 18px;
}
.premium-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg, 16px);
    padding: 28px;
    box-shadow: var(--shadow-sm);
}
.premium-card h2 {
    font-family: var(--font-serif);
    font-size: 1.15rem;
    color: var(--navy-800);
    margin: 0 0 16px;
}
.premium-feat-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--gray-700);
}
.premium-feat-list a { color: var(--navy-600); text-decoration: none; }
.premium-feat-list a:hover { text-decoration: underline; }
.premium-price-card { text-align: center; border-color: var(--navy-300, #a5b4fc); }
.premium-price {
    font-family: var(--font-serif);
    font-size: 2.6rem;
    font-weight: 700;
    color: var(--navy-800);
}
.premium-price span { font-size: 1rem; color: var(--gray-500); font-weight: 500; }
.premium-price-annual { color: var(--gray-600); margin-bottom: 12px; font-size: 0.95rem; }
.premium-card p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.6; margin: 0 0 18px; }

/* Legal pages */
.legal-container { min-height: auto; }
.legal-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-lg, 16px);
    padding: 40px;
    max-width: 820px;
    margin: 0 auto;
    box-shadow: var(--shadow-sm);
}
.legal-card h1 {
    font-family: var(--font-serif);
    font-size: 1.9rem;
    color: var(--navy-800);
    margin: 0 0 6px;
}
.legal-updated { color: var(--gray-500); font-size: 0.85rem; margin-bottom: 28px; }
.legal-card h2 {
    font-size: 1.05rem;
    color: var(--navy-800);
    margin: 24px 0 8px;
}
.legal-card p { color: var(--gray-700); line-height: 1.7; font-size: 0.92rem; }

/* Info panel: formula + FAQ */
.info-formula-head { margin-top: 18px; }
.info-formula p {
    font-size: 0.82rem;
    color: var(--gray-600);
    line-height: 1.6;
    background: var(--gray-100);
    border-left: 3px solid var(--navy-300, #a5b4fc);
    padding: 10px 14px;
    border-radius: 0 8px 8px 0;
    margin: 0;
}
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item {
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 10px 14px;
    background: var(--white);
}
.faq-item summary {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--navy-800);
    cursor: pointer;
}
.faq-item p {
    font-size: 0.8rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin: 8px 0 0;
}

/* Amortization table */
.calc-extras { margin-top: 24px; }
.amort-controls { margin-bottom: 10px; font-size: 0.85rem; color: var(--gray-600); }
.amort-controls select {
    margin-left: 6px;
    padding: 4px 8px;
    border: 1px solid var(--gray-300);
    border-radius: 6px;
    font-family: var(--font-sans);
}
.amort-scroll {
    max-height: 420px;
    overflow: auto;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
}
.amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.8rem;
}
.amort-table th {
    position: sticky;
    top: 0;
    background: var(--navy-800);
    color: #fff;
    text-align: left;
    padding: 8px 12px;
    font-weight: 600;
}
.amort-table td {
    padding: 6px 12px;
    border-top: 1px solid var(--gray-100);
    color: var(--gray-700);
}
.amort-table tr:nth-child(even) td { background: var(--gray-50, #f8fafc); }

/* Responsive: hamburger + collapsible nav */
@media (max-width: 900px) {
    .nav-toggle { display: block; }
    .header-nav {
        display: none;
        flex-direction: column;
        width: 100%;
        background: var(--white);
        border: 1px solid var(--gray-200);
        border-radius: var(--radius-md, 10px);
        padding: 8px;
        box-shadow: var(--shadow-md, 0 8px 20px rgba(15,23,42,0.1));
    }
    .header-nav.open { display: flex; }
    .header-nav a.nav-tab { padding: 10px 16px; }
    .header-inner { flex-wrap: wrap; }
    .premium-banner { flex-direction: column; text-align: center; }
}

/* ============================================
   Auth Modal — Email/Password form (2026-09-04)
   ============================================ */
.auth-tabs {
    display: flex;
    background: var(--gray-100);
    border-radius: var(--radius-sm);
    padding: 4px;
    margin-bottom: 20px;
    gap: 4px;
}

.auth-tab {
    flex: 1;
    padding: 9px 0;
    background: none;
    border: none;
    border-radius: 6px;
    font-family: var(--font-sans);
    font-size: 0.88rem;
    font-weight: 500;
    color: var(--gray-500);
    cursor: pointer;
    transition: all 0.2s;
}

.auth-tab.active {
    background: var(--white);
    color: var(--navy-700);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.12);
}

.auth-error {
    background: #fdecea;
    color: var(--danger);
    border: 1px solid #f8c9c5;
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    font-size: 0.85rem;
    margin-bottom: 16px;
    text-align: left;
}

.auth-input {
    display: block;
    width: 100%;
    padding: 13px 14px;
    margin-bottom: 14px;
    background: var(--white);
    border: 1.5px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.95rem;
    color: var(--gray-800);
    transition: border-color 0.2s, box-shadow 0.2s;
    box-sizing: border-box;
}

.auth-input:focus {
    outline: none;
    border-color: var(--navy-500);
    box-shadow: 0 0 0 3px rgba(21, 61, 113, 0.12);
}

.auth-input::placeholder {
    color: var(--gray-400);
}

#auth-name-row {
    display: block;
}

.auth-submit {
    width: 100%;
    justify-content: center;
    margin-bottom: 4px;
}

.auth-submit:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

.auth-or {
    display: flex;
    align-items: center;
    gap: 14px;
    margin: 18px 0;
    color: var(--gray-400);
    font-size: 0.8rem;
}

.auth-or::before,
.auth-or::after {
    content: "";
    flex: 1;
    height: 1px;
    background: var(--gray-200);
}