:root {
  --bg: #f5f6f8;
  --surface: #ffffff;
  --surface-2: #fafbfc;
  --text: #1b1f23;
  --text-muted: #5b6470;
  --border: #dfe3e8;
  --border-strong: #c6cdd6;
  --accent: #2f6feb;
  --accent-contrast: #ffffff;
  --accent-soft: #e5edfd;
  --danger: #c0392b;
  --ok: #1f8a4c;
  --chart-balance: #2f6feb;
  --chart-principal: #4caf8a;
  --chart-interest: #e07b3b;
  --shadow: 0 1px 2px rgba(16, 22, 28, 0.04), 0 4px 12px rgba(16, 22, 28, 0.05);
  --radius: 10px;
  --radius-sm: 6px;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, "Liberation Mono", monospace;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f1216;
    --surface: #161a20;
    --surface-2: #1c2128;
    --text: #e6e8eb;
    --text-muted: #8a94a1;
    --border: #2a313a;
    --border-strong: #3a424d;
    --accent: #5b8bf2;
    --accent-contrast: #0f1216;
    --accent-soft: #1e2a44;
    --chart-balance: #7ba3f5;
    --chart-principal: #6bc79a;
    --chart-interest: #f0a273;
    --shadow: 0 1px 2px rgba(0, 0, 0, 0.35), 0 6px 18px rgba(0, 0, 0, 0.35);
  }
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 15px;
  line-height: 1.45;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.app-header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 24px 12px;
}
.app-header h1 {
  margin: 0;
  font-size: 22px;
  letter-spacing: -0.01em;
}
.currency-tag {
  padding: 2px 8px;
  font-size: 12px;
  font-weight: 600;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent);
  letter-spacing: 0.04em;
}

.tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  padding: 0 24px;
  border-bottom: 1px solid var(--border);
}
.tab {
  appearance: none;
  background: transparent;
  border: 1px solid transparent;
  border-bottom: none;
  color: var(--text-muted);
  font: inherit;
  font-weight: 500;
  padding: 9px 14px;
  border-top-left-radius: var(--radius-sm);
  border-top-right-radius: var(--radius-sm);
  cursor: pointer;
  position: relative;
  top: 1px;
}
.tab:hover { color: var(--text); }
.tab[aria-selected="true"] {
  background: var(--surface);
  color: var(--text);
  border-color: var(--border);
  box-shadow: 0 -2px 0 var(--accent) inset;
}

.layout {
  flex: 1;
  padding: 20px 24px 40px;
  max-width: 1400px;
  width: 100%;
  margin: 0 auto;
}

.single-view {
  display: grid;
  grid-template-columns: minmax(300px, 380px) 1fr;
  gap: 20px;
  align-items: start;
}

@media (max-width: 900px) {
  .single-view { grid-template-columns: 1fr; }
  .app-header, .tabs, .layout { padding-left: 14px; padding-right: 14px; }
}

.panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
}
.panel-title {
  margin: 0 0 12px;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
}

.mode-form {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 10px 12px;
}
.mode-form[hidden] { display: none; }
.mode-form .field { grid-column: span 1; min-width: 0; }
.mode-form .field.wide { grid-column: span 2; }

.field label {
  display: flex;
  flex-direction: column;
  gap: 4px;
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 500;
}
.field input,
.field select {
  appearance: none;
  -webkit-appearance: none;
  background: var(--surface-2);
  color: var(--text);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 8px 10px;
  font: inherit;
  font-size: 14px;
  font-variant-numeric: tabular-nums;
  transition: border-color .12s ease, box-shadow .12s ease;
  width: 100%;
  min-width: 0;
  max-width: 100%;
}
.field select {
  background-image: linear-gradient(45deg, transparent 50%, var(--text-muted) 50%),
                    linear-gradient(135deg, var(--text-muted) 50%, transparent 50%);
  background-position: calc(100% - 14px) 50%, calc(100% - 9px) 50%;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
  padding-right: 28px;
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.field input[aria-invalid="true"] {
  border-color: var(--danger);
}

.extras-panel {
  margin-top: 16px;
  border-top: 1px dashed var(--border);
  padding-top: 12px;
}
.extras-panel > summary {
  cursor: pointer;
  font-weight: 600;
  font-size: 13px;
  color: var(--text);
  list-style: none;
  padding: 4px 0;
  user-select: none;
}
.extras-panel > summary::-webkit-details-marker { display: none; }
.extras-panel > summary::before {
  content: "▸";
  display: inline-block;
  width: 1em;
  margin-right: 4px;
  transition: transform .15s ease;
  color: var(--text-muted);
}
.extras-panel[open] > summary::before { transform: rotate(90deg); }

.one-time-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 10px;
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 600;
}
.one-time-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 6px;
}
.one-time-row {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 8px;
  align-items: end;
}
.one-time-row .btn-remove {
  align-self: stretch;
}

.hint {
  margin: 10px 0 0;
  font-size: 11px;
  color: var(--text-muted);
}

.btn-small,
.btn-remove,
.btn-primary,
.btn-ghost {
  appearance: none;
  font: inherit;
  font-weight: 500;
  cursor: pointer;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: var(--surface-2);
  color: var(--text);
  padding: 6px 10px;
  font-size: 12px;
}
.btn-small:hover,
.btn-remove:hover,
.btn-ghost:hover { border-color: var(--border-strong); }
.btn-primary {
  background: var(--accent);
  color: var(--accent-contrast);
  border-color: var(--accent);
  padding: 8px 14px;
  font-size: 13px;
  font-weight: 600;
}
.btn-primary:hover { filter: brightness(1.05); }
.btn-remove { color: var(--danger); }
.btn-ghost { background: transparent; }

.panel-outputs {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.summary-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 10px;
}
.summary-card {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}
.summary-card .label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  font-weight: 600;
}
.summary-card .value {
  font-size: 20px;
  font-weight: 600;
  margin-top: 4px;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.summary-card .sub {
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 2px;
}
.summary-card.accent { border-color: var(--accent); box-shadow: inset 0 0 0 1px var(--accent-soft); }

.chart-container {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px;
  overflow: hidden;
}
.chart-range-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 12px;
  margin-bottom: 10px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
  font-size: 12px;
  color: var(--text-muted);
}
.chart-range-toolbar .chart-range-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
}
.chart-range-toolbar label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 500;
  margin: 0;
}
.chart-range-toolbar select {
  appearance: none;
  -webkit-appearance: none;
  background: var(--surface);
  color: var(--text);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 6px 24px 6px 8px;
  font: inherit;
  font-size: 13px;
  font-variant-numeric: tabular-nums;
  background-image: linear-gradient(45deg, transparent 50%, var(--text-muted) 50%),
                    linear-gradient(135deg, var(--text-muted) 50%, transparent 50%);
  background-position: calc(100% - 10px) 50%, calc(100% - 5px) 50%;
  background-size: 4px 4px, 4px 4px;
  background-repeat: no-repeat;
  min-width: 0;
}
.chart-range-toolbar select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 2px var(--accent-soft);
}
.chart-range-toolbar .chart-range-reset {
  margin-left: auto;
}
@media (max-width: 600px) {
  .chart-range-toolbar .chart-range-reset {
    margin-left: 0;
    width: 100%;
  }
}
.chart-container svg {
  display: block;
  width: 100%;
  height: auto;
}
.chart-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 16px;
  font-size: 12px;
  color: var(--text-muted);
  padding: 6px 2px 0;
}
.chart-legend .dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 2px;
  margin-right: 6px;
  vertical-align: -1px;
}
.chart-empty {
  text-align: center;
  color: var(--text-muted);
  font-size: 13px;
  padding: 20px 0;
}

.schedule-details > summary {
  cursor: pointer;
  font-weight: 600;
  padding: 6px 2px;
  user-select: none;
  list-style: none;
}
.schedule-details > summary::-webkit-details-marker { display: none; }
.schedule-details > summary::before {
  content: "▸";
  display: inline-block;
  width: 1em;
  margin-right: 4px;
  transition: transform .15s ease;
  color: var(--text-muted);
}
.schedule-details[open] > summary::before { transform: rotate(90deg); }

.schedule-scroll {
  max-height: 420px;
  overflow: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-top: 8px;
}
.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-variant-numeric: tabular-nums;
  font-size: 13px;
}
.schedule-table th,
.schedule-table td {
  padding: 6px 10px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
.schedule-table th:first-child,
.schedule-table td:first-child { text-align: left; }
.schedule-table thead th {
  position: sticky;
  top: 0;
  background: var(--surface);
  font-weight: 600;
  color: var(--text-muted);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  z-index: 1;
}
.schedule-table tbody tr.year-start td {
  border-top: 2px solid var(--border-strong);
}
.schedule-table tbody tr:hover td { background: var(--accent-soft); }

.compare-view {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.compare-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
}
.compare-hint {
  color: var(--text-muted);
  font-size: 12px;
}
.scenarios-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 14px;
}
.scenario-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 14px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.scenario-card .scenario-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
}
.scenario-card .scenario-name {
  font-weight: 600;
  border: 1px solid transparent;
  background: transparent;
  color: var(--text);
  font-size: 15px;
  padding: 4px 6px;
  border-radius: var(--radius-sm);
  flex: 1;
  min-width: 0;
}
.scenario-card .scenario-name:hover,
.scenario-card .scenario-name:focus {
  border-color: var(--border);
  background: var(--surface-2);
  outline: none;
}
.scenario-card .scenario-mode {
  font-size: 12px;
  color: var(--text-muted);
}
.scenario-card .scenario-swatch {
  width: 10px;
  height: 10px;
  border-radius: 999px;
  display: inline-block;
}
.scenario-card form {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 8px;
}
.scenario-card form .field { min-width: 0; }
.scenario-card form .field.wide { grid-column: span 2; }
.scenario-metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 12px;
  font-size: 12px;
}
.scenario-metrics .k { color: var(--text-muted); }
.scenario-metrics .v { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; }

.compare-summary {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
}
.compare-summary table {
  width: 100%;
  border-collapse: collapse;
  font-variant-numeric: tabular-nums;
  font-size: 13px;
}
.compare-summary th,
.compare-summary td {
  padding: 8px 12px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
.compare-summary th:first-child,
.compare-summary td:first-child { text-align: left; }
.compare-summary thead th {
  font-weight: 600;
  color: var(--text-muted);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: var(--surface-2);
}

.app-footer {
  text-align: center;
  font-size: 12px;
  color: var(--text-muted);
  padding: 12px;
}

@media print {
  .tabs, .extras-panel, .compare-toolbar, .app-footer { display: none !important; }
  .schedule-details[open] .schedule-scroll { max-height: none; overflow: visible; }
  .panel { box-shadow: none; border-color: #bbb; }
  body { background: #fff; color: #000; }
}