/* Amortize — modern UI theme */
:root {
  --bg:          #eef1f6;
  --card:        #ffffff;
  --ink:         #1a2230;
  --ink-soft:    #3d4a5c;
  --muted:       #6b7889;
  --line:        #e4e8ef;
  --line-strong: #d3d9e3;

  --primary:      #2563eb;
  --primary-dark: #1d4ed8;
  --primary-soft: #eef4ff;
  --accent:       #0d9488;   /* teal for the calculate action */
  --accent-soft:  #e6f6f4;
  --good:         #15803d;
  --good-soft:    #e9f8ef;
  --bad:          #dc2626;
  --bad-soft:     #fdecec;
  --warn:         #b45309;
  --warn-soft:    #fdf3e3;

  --radius:   12px;
  --radius-sm: 8px;
  --shadow:   0 1px 2px rgba(16,24,40,.05), 0 4px 12px rgba(16,24,40,.06);
  --shadow-lg: 0 24px 60px rgba(15,30,60,.35);
  --font: "Segoe UI", -apple-system, BlinkMacSystemFont, "Inter", Roboto, Helvetica, Arial, sans-serif;
  --mono: "SF Mono", "Cascadia Mono", ui-monospace, "Consolas", monospace;
}

/* ---- Dark theme ---- */
:root[data-theme="dark"] {
  --bg:          #0f151d;
  --card:        #182230;
  --ink:         #e9eef4;
  --ink-soft:    #c4cedb;
  --muted:       #8b98a8;
  --line:        #26323f;
  --line-strong: #38475a;
  --primary:      #3b82f6;
  --primary-dark: #2563eb;
  --primary-soft: #1b2942;
  --accent:       #2dd4bf;
  --accent-soft:  #123531;
  --good:         #4ade80;
  --good-soft:    #10321e;
  --bad:          #f87171;
  --bad-soft:     #3a1c1c;
  --warn:         #fbbf24;
  --warn-soft:    #3a2c12;
  --shadow:    0 1px 2px rgba(0,0,0,.45), 0 4px 14px rgba(0,0,0,.4);
  --shadow-lg: 0 24px 60px rgba(0,0,0,.6);
}
:root[data-theme="dark"] .fld input, :root[data-theme="dark"] .fld select,
:root[data-theme="dark"] .field input, :root[data-theme="dark"] .field select,
:root[data-theme="dark"] .grid-hint kbd { background: #0f151d; color: var(--ink); }
:root[data-theme="dark"] .modal { background: var(--card); }
:root[data-theme="dark"] .ghost-btn:hover,
:root[data-theme="dark"] .tool:hover,
:root[data-theme="dark"] .mini-btn { background: #212d3d; }
:root[data-theme="dark"] .mini-btn:hover,
:root[data-theme="dark"] .btn.secondary:hover,
:root[data-theme="dark"] .modal h2 .x:hover { background: #29384a; }
:root[data-theme="dark"] .btn.secondary { background: #1e2a38; }
:root[data-theme="dark"] .tool.accent { color: #5eead4; }
:root[data-theme="dark"] .tool.accent .ico, :root[data-theme="dark"] .tool.accent:hover .ico { color: #5eead4; }
:root[data-theme="dark"] .tool.accent:hover { background: #164039; }
:root[data-theme="dark"] table.grid th, :root[data-theme="dark"] table.amort th,
:root[data-theme="dark"] td.rownum-cell, :root[data-theme="dark"] .addrow,
:root[data-theme="dark"] .grid-hint { background: #131c27; }
:root[data-theme="dark"] table.grid tbody tr:hover td { background: #1e2a38; }
:root[data-theme="dark"] tr.selected td.rownum-cell { background: #22324d !important; }
:root[data-theme="dark"] .cell-input:focus { background: #22303f; }
:root[data-theme="dark"] .addrow:hover { background: var(--primary-soft); }
:root[data-theme="dark"] .result-primary { background: linear-gradient(135deg, #1b2735, #182230); }
:root[data-theme="dark"] tr.year-row td, :root[data-theme="dark"] tr.total-row td { background: #1b2942; }
:root[data-theme="dark"] .overlay { background: rgba(0,0,0,.62); }
:root[data-theme="dark"] select.cell-input {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%238b98a8' d='M0 0l5 6 5-6z'/%3E%3C/svg%3E"); }

* { box-sizing: border-box; }
html, body {
  margin: 0; padding: 0; min-height: 100%;
  font-family: var(--font); font-size: 14px; color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
svg.ico { width: 18px; height: 18px; fill: none; stroke: currentColor;
  stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; display: block; }

/* ---- Sign-in gate ---- */
.auth-gate {
  position: fixed; inset: 0; z-index: 100; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, #eef3fb, #dfe8f5); padding: 24px;
}
:root[data-theme="dark"] .auth-gate { background: linear-gradient(135deg, #0f151d, #172130); }
.auth-gate[hidden] { display: none; }
.auth-card {
  background: var(--card); border: 1px solid var(--line); border-radius: 16px;
  box-shadow: var(--shadow-lg); padding: 40px 36px; max-width: 400px; width: 100%; text-align: center;
}
.auth-logo {
  width: 56px; height: 56px; margin: 0 auto 18px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--primary), #4f7ff5);
  box-shadow: 0 6px 16px rgba(37,99,235,.4);
}
.auth-logo svg { width: 30px; height: 30px; fill: #fff; }
.auth-card h1 { margin: 0; font-size: 24px; font-weight: 800; letter-spacing: -.4px; }
.auth-firm { margin: 4px 0 20px; font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: .6px; font-weight: 600; }
.auth-msg { margin: 0 0 24px; color: var(--ink-soft); font-size: 14px; line-height: 1.5; }
.auth-btn { width: 100%; padding: 12px; font-size: 15px; }
.auth-err { margin: 14px 0 0; color: var(--bad); font-size: 13px; min-height: 18px; }

/* ---- Header ---- */
.app-header {
  display: flex; align-items: center; gap: 20px;
  background: var(--card); border-bottom: 1px solid var(--line);
  padding: 12px 22px; position: sticky; top: 0; z-index: 20;
}
.brand { display: flex; align-items: center; gap: 11px; }
.logo {
  width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--primary), #4f7ff5); color: #fff;
  box-shadow: 0 3px 8px rgba(37,99,235,.35);
}
.logo .ico { width: 22px; height: 22px; stroke: none; fill: #fff; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text b { font-size: 16px; font-weight: 700; letter-spacing: -.2px; }
.brand-text small { font-size: 11px; color: var(--muted); }

.doc-wrap { display: flex; align-items: center; gap: 10px; margin-left: 12px;
  padding-left: 20px; border-left: 1px solid var(--line); }
.doc-label { font-size: 11px; text-transform: uppercase; letter-spacing: .5px; color: var(--muted); }
.doc-name {
  font-size: 15px; font-weight: 600; color: var(--ink); outline: none;
  padding: 4px 8px; border-radius: 6px; border: 1px solid transparent; min-width: 80px;
}
.doc-name:hover { border-color: var(--line-strong); }
.doc-name:focus { border-color: var(--primary); background: var(--primary-soft); }

.header-actions { margin-left: auto; display: flex; gap: 8px; }
.ghost-btn {
  font: inherit; font-weight: 600; color: var(--ink-soft); background: transparent;
  border: 1px solid var(--line-strong); border-radius: var(--radius-sm);
  padding: 7px 15px; cursor: pointer;
}
.ghost-btn:hover { background: #f4f6fa; border-color: var(--muted); }
.ghost-btn.icon-only { padding: 7px; }
.ghost-btn.icon-only .ico { color: var(--ink-soft); }

/* ---- Toolbar ---- */
.toolbar {
  display: flex; align-items: center; justify-content: center; gap: 8px; flex-wrap: wrap;
  padding: 12px 22px; background: var(--bg);
  position: sticky; top: 63px; z-index: 15;
}
.tgroup { display: flex; gap: 6px; background: var(--card); padding: 5px;
  border: 1px solid var(--line); border-radius: 10px; box-shadow: var(--shadow); }
.tgroup.right { margin-left: 0; }
.tool {
  display: inline-flex; align-items: center; gap: 7px; font: inherit; font-weight: 600;
  font-size: 13px; color: var(--ink-soft); background: transparent; border: 0;
  padding: 8px 13px; border-radius: 7px; cursor: pointer; white-space: nowrap;
}
.tool:hover { background: #f1f4f9; color: var(--ink); }
.tool:active { transform: translateY(1px); }
.tool .ico { color: var(--muted); }
.tool:hover .ico { color: var(--ink-soft); }
.tool.primary { background: var(--primary); color: #fff; }
.tool.primary .ico, .tool.primary:hover .ico { color: #fff; }
.tool.primary:hover { background: var(--primary-dark); }
.tool.accent { background: var(--accent-soft); color: #0b6b62; }
.tool.accent .ico, .tool.accent:hover .ico { color: #0b6b62; }
.tool.accent:hover { background: #d3efeb; }

/* ---- Workspace / cards ---- */
.workspace { max-width: 1180px; margin: 4px auto 40px; padding: 0 22px;
  display: flex; flex-direction: column; gap: 18px; }
.card { background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow); }

/* Setup card */
.setup-card { padding: 18px 20px; }
.setup-grid { display: grid; grid-template-columns: 2fr 1.2fr 1.2fr; gap: 20px; }
.fld { display: flex; flex-direction: column; gap: 6px; }
.fld label { font-size: 12px; font-weight: 600; color: var(--muted);
  text-transform: uppercase; letter-spacing: .4px; }
.fld input, .fld select {
  font: inherit; font-size: 14px; color: var(--ink); background: #fff;
  border: 1px solid var(--line-strong); border-radius: var(--radius-sm);
  padding: 9px 11px; width: 100%;
}
.fld input:focus, .fld select:focus { outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.15); }
.rate-wrap { position: relative; display: flex; align-items: center; }
.rate-wrap input { padding-right: 30px; font-variant-numeric: tabular-nums; }
.rate-wrap .pct { position: absolute; right: 12px; color: var(--muted); font-weight: 600; pointer-events: none; }
.unknown-tag { margin-left: 10px; background: var(--warn-soft); color: var(--warn);
  font-size: 11px; font-weight: 700; padding: 3px 9px; border-radius: 20px; white-space: nowrap; }

/* Grid card */
.grid-card { padding: 0; overflow: hidden; }
.card-head { display: flex; align-items: center; justify-content: space-between;
  padding: 15px 20px 12px; }
.card-head h2 { margin: 0; font-size: 15px; font-weight: 700; }
.card-head-actions { display: flex; gap: 8px; }
.mini-btn { display: inline-flex; align-items: center; gap: 6px; font: inherit;
  font-size: 12.5px; font-weight: 600; color: var(--ink-soft); background: #f4f6fa;
  border: 1px solid var(--line-strong); border-radius: 7px; padding: 6px 11px; cursor: pointer; }
.mini-btn .ico { width: 15px; height: 15px; color: var(--muted); }
.mini-btn:hover { background: #eaeef4; }
.mini-btn.danger:hover { background: var(--bad-soft); color: var(--bad); border-color: #f3b6b6; }
.mini-btn.danger:hover .ico { color: var(--bad); }

.grid-wrap { overflow-x: auto; border-top: 1px solid var(--line); }
table.grid { border-collapse: collapse; width: 100%; min-width: 760px; }
table.grid th {
  background: #f7f9fc; color: var(--muted); font-weight: 600; font-size: 11px;
  letter-spacing: .5px; text-transform: uppercase; text-align: left;
  padding: 9px 12px; border-bottom: 1px solid var(--line); white-space: nowrap;
}
table.grid th.c-amt, table.grid th.c-count { text-align: right; }
.c-num { width: 44px; } .c-event { width: 140px; } .c-date { width: 120px; }
.c-amt { width: 140px; } .c-count { width: 90px; } .c-period { width: 130px; }
.c-end { width: 120px; }
table.grid td { border-bottom: 1px solid var(--line); padding: 0; height: 42px; }
table.grid tr:last-child td { border-bottom: 0; }
table.grid tbody tr:hover td { background: #f9fbfe; }
table.grid tr.selected td { background: var(--primary-soft); }
table.grid tr.has-series td:first-child { box-shadow: inset 3px 0 0 var(--accent); }
table.grid tr.selected td.rownum-cell { background: #dfeaff !important; }
td.rownum-cell { text-align: center; background: #fafbfd; }
.rownum { color: var(--muted); font-size: 12px; font-weight: 600; }

.cell-input {
  width: 100%; height: 100%; border: 0; background: transparent; font: inherit;
  font-size: 14px; padding: 0 12px; color: var(--ink); outline: none;
}
.cell-input:focus { background: #fffdf4; box-shadow: inset 0 0 0 2px var(--primary); border-radius: 4px; }
.cell-input.num { text-align: right; font-variant-numeric: tabular-nums; }
.cell-input.unknown { color: var(--warn); font-weight: 700; font-style: italic; }
select.cell-input { -webkit-appearance: none; appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath fill='%236b7889' d='M0 0l5 6 5-6z'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; padding-right: 28px; }

.addrow { display: block; width: 100%; text-align: left; font: inherit; font-weight: 600;
  font-size: 13px; color: var(--primary); background: #fbfcfe; border: 0;
  border-top: 1px solid var(--line); padding: 12px 20px; cursor: pointer; }
.addrow::before { content: "+"; display: inline-grid; place-items: center; width: 18px; height: 18px;
  margin-right: 8px; border-radius: 5px; background: var(--primary-soft); color: var(--primary);
  font-weight: 700; vertical-align: -4px; }
.addrow:hover { background: var(--primary-soft); }

.grid-hint { margin: 0; padding: 11px 20px; font-size: 12.5px; color: var(--muted);
  background: #fbfcfe; border-top: 1px solid var(--line); }
.grid-hint kbd { font-family: var(--mono); font-size: 11px; background: #fff; color: var(--ink);
  border: 1px solid var(--line-strong); border-bottom-width: 2px; border-radius: 4px; padding: 1px 6px; }

/* Results card */
.results-card { display: flex; align-items: stretch; gap: 0; overflow: hidden; }
.result-primary { display: flex; flex-direction: column; justify-content: center; gap: 3px;
  padding: 20px 24px; min-width: 240px; background: linear-gradient(135deg, #f7fafd, #eef4fb);
  border-right: 1px solid var(--line); }
.result-primary .k { font-size: 12px; font-weight: 600; text-transform: uppercase;
  letter-spacing: .5px; color: var(--muted); }
.result-primary .v { font-size: 30px; font-weight: 700; letter-spacing: -.5px;
  font-variant-numeric: tabular-nums; color: var(--ink); }
.result-primary .v.good { color: var(--good); }
.result-primary .v.bad { color: var(--bad); }
.result-primary .hint { font-size: 12px; font-weight: 600; }
.result-primary .hint.good { color: var(--good); }
.result-primary .hint.warn { color: var(--warn); }

.result-stats { display: grid; grid-template-columns: repeat(5, 1fr); flex: 1; }
.result-stats .stat { display: flex; flex-direction: column; justify-content: center; gap: 4px;
  padding: 18px 18px; border-right: 1px solid var(--line); }
.result-stats .stat:last-child { border-right: 0; }
.result-stats .k { font-size: 11px; font-weight: 600; text-transform: uppercase;
  letter-spacing: .4px; color: var(--muted); }
.result-stats .v { font-size: 17px; font-weight: 700; font-variant-numeric: tabular-nums; }

.disclaimer { margin: 0; text-align: center; font-size: 12px; color: var(--muted); padding: 0 10px; }

/* ---- Modal ---- */
.overlay { position: fixed; inset: 0; background: rgba(15,25,45,.5); backdrop-filter: blur(2px);
  display: none; align-items: flex-start; justify-content: center; z-index: 60;
  padding: 48px 16px; overflow: auto; }
.overlay.open { display: flex; }
.modal { background: #fff; border-radius: 14px; box-shadow: var(--shadow-lg);
  width: min(940px, 100%); max-height: 88vh; display: flex; flex-direction: column; overflow: hidden; }
.modal h2 { margin: 0; padding: 16px 20px; font-size: 16px; font-weight: 700;
  border-bottom: 1px solid var(--line); display: flex; justify-content: space-between; align-items: center; }
.modal h2 .x { cursor: pointer; color: var(--muted); font-weight: 400; font-size: 18px;
  width: 30px; height: 30px; display: grid; place-items: center; border-radius: 7px; }
.modal h2 .x:hover { background: #f1f4f9; color: var(--ink); }
.modal .body { padding: 20px; overflow: auto; }
.modal .footer { padding: 14px 20px; border-top: 1px solid var(--line);
  display: flex; gap: 10px; justify-content: flex-end; }

.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; color: var(--ink-soft); font-size: 13px; }
.field select, .field input { width: 100%; padding: 9px 11px; border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm); font: inherit; }
.field select:focus, .field input:focus { outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.15); }
.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.rnd-opts { display: flex; flex-direction: column; gap: 11px; margin: 6px 0; }
.rnd-opts label { display: flex; align-items: center; gap: 9px; font-size: 14px; color: var(--ink); }
.rnd-opts input[type="radio"] { width: auto; margin: 0; }
.rnd-opts select { width: auto; padding: 4px 8px; margin-left: 4px; }

.en-h { margin: 0 0 8px; font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: .4px; }
.en-row { display: flex; align-items: center; gap: 6px; margin-bottom: 6px; }
.en-row .en-name { flex: 1; padding: 6px 8px; border: 1px solid var(--line-strong); border-radius: 6px; font: inherit; }
.en-enum-l { display: flex; align-items: center; gap: 4px; font-size: 12px; color: var(--muted); white-space: nowrap; }
.en-enum-l input { width: auto; margin: 0; }
.en-row .en-del { padding: 5px 9px; }

.btn { font: inherit; font-weight: 600; padding: 9px 18px; border-radius: var(--radius-sm);
  border: 1px solid var(--primary-dark); background: var(--primary); color: #fff; cursor: pointer; }
.btn:hover { background: var(--primary-dark); }
.btn.secondary { background: #fff; color: var(--ink-soft); border-color: var(--line-strong); }
.btn.secondary:hover { background: #f4f6fa; }

/* Amortization table */
table.amort { border-collapse: collapse; width: 100%; font-size: 13px;
  font-variant-numeric: tabular-nums; }
table.amort th { background: #f7f9fc; color: var(--muted); font-weight: 600; font-size: 11px;
  text-transform: uppercase; letter-spacing: .4px; padding: 8px 12px; text-align: right;
  position: sticky; top: 0; border-bottom: 1px solid var(--line-strong); }
table.amort th:nth-child(-n+3) { text-align: left; }
table.amort td { padding: 6px 12px; text-align: right; border-bottom: 1px solid var(--line); }
table.amort td:nth-child(-n+3) { text-align: left; }
table.amort tr.year-row td { background: #eef4fb; font-weight: 700; color: var(--ink-soft); }
table.amort tr.total-row td { background: #e8f0fb; font-weight: 700; border-top: 2px solid var(--primary); }
.note { color: var(--muted); font-size: 12.5px; margin-top: 12px; line-height: 1.6; }

/* ---- Loan library ---- */
.lib-toolbar { display: flex; gap: 10px; align-items: center; }
.lib-toolbar input { flex: 1; padding: 9px 12px; border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm); font: inherit; }
.lib-toolbar input:focus { outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,.15); }
.lib-toolbar .btn { white-space: nowrap; }
.lib-meta { margin: 10px 0 4px; }
.store-badge { font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 20px; letter-spacing: .3px; }
.store-badge.local { background: var(--warn-soft); color: var(--warn); }
.store-badge.sp { background: var(--good-soft); color: var(--good); }
.lib-list { margin-top: 12px; max-height: 52vh; overflow: auto; }
table.lib-table td { vertical-align: middle; }
table.lib-table td:first-child { text-align: left; }
.lib-actions { display: flex; gap: 6px; justify-content: flex-end; }
.lib-actions .mini-btn { padding: 5px 10px; }

/* ---- Client deliverable ---- */
.client-doc { color: #111; background: #fff; padding: 4px 2px; }
.cd-head { display: flex; justify-content: space-between; align-items: flex-start;
  border-bottom: 2px solid var(--primary); padding-bottom: 12px; margin-bottom: 14px; }
.cd-firm { font-size: 19px; font-weight: 800; letter-spacing: -.3px; color: var(--ink); }
.cd-sub { font-size: 12px; color: var(--muted); letter-spacing: .5px; text-transform: uppercase; }
.cd-title { font-size: 15px; font-weight: 700; color: var(--primary); text-align: right; }
.cd-loanname { margin: 0 0 12px; font-size: 17px; }
.cd-summary { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px 22px; margin-bottom: 18px; }
.cd-summary > div { display: flex; flex-direction: column; }
.cd-summary span { font-size: 10.5px; text-transform: uppercase; letter-spacing: .4px; color: var(--muted); }
.cd-summary b { font-size: 15px; font-variant-numeric: tabular-nums; }
.cd-disc { margin-top: 16px; font-size: 11px; color: var(--muted); line-height: 1.6;
  border-top: 1px solid var(--line); padding-top: 10px; }

/* Truth-in-Lending disclosure box (Reg Z federal box) */
table.tila-box { width: 100%; border-collapse: collapse; margin-top: 22px; border: 2px solid #000; }
table.tila-box th, table.tila-box td { border: 1px solid #000; padding: 8px 10px; text-align: center; vertical-align: top; }
table.tila-box th { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .3px; }
table.tila-box th span { display: block; font-size: 9px; font-weight: 400; text-transform: none;
  letter-spacing: 0; color: #444; margin-top: 4px; line-height: 1.3; }
table.tila-box td { font-size: 18px; font-weight: 700; font-variant-numeric: tabular-nums; padding: 12px 10px; }
:root[data-theme="dark"] table.tila-box, :root[data-theme="dark"] table.tila-box th,
:root[data-theme="dark"] table.tila-box td { border-color: var(--ink-soft); }
:root[data-theme="dark"] table.tila-box th span { color: var(--muted); }

@media print {
  /* When the client deliverable is open, print only it */
  body:has(#clientDoc) .modal h2, body:has(#clientDoc) .modal .footer { display: none; }
  #clientDoc { padding: 0; }
  .cd-summary b { color: #000; }
  .cd-title { color: #1d4ed8; }
}

@media (max-width: 820px) {
  .setup-grid { grid-template-columns: 1fr; }
  .results-card { flex-direction: column; }
  .result-primary { border-right: 0; border-bottom: 1px solid var(--line); }
  .result-stats { grid-template-columns: repeat(2, 1fr); }
  .result-stats .stat:nth-child(2n) { border-right: 0; }
  .result-stats .stat { border-bottom: 1px solid var(--line); }
  .tgroup.right { margin-left: 0; }
  .tool .lbl { display: none; }
  .tool.primary .lbl, .tool.accent .lbl { display: inline; }
}

@media print {
  /* Force legible light colors even if the app is in dark mode */
  :root, :root[data-theme="dark"] {
    --card: #fff; --ink: #000; --ink-soft: #222; --muted: #555;
    --line: #ccc; --line-strong: #bbb; --primary: #1d4ed8;
  }
  :root[data-theme="dark"] table.amort th { background: #f0f2f5; color: #555; }
  :root[data-theme="dark"] tr.year-row td { background: #eef4fb; }
  :root[data-theme="dark"] tr.total-row td { background: #e8f0fb; }
  :root[data-theme="dark"] .modal { background: #fff; }
  .app-header, .toolbar, .workspace { display: none; }
  body { background: #fff; }
  .overlay { position: static; background: none; padding: 0; display: block; backdrop-filter: none; }
  .overlay:not(.open) { display: none; }
  .modal { box-shadow: none; width: 100%; max-height: none; border: 0; }
  .modal h2 .x { display: none; }
}

/* ============================================================
   Refinement layer — motion, depth, focus, polish
   ============================================================ */
@media (prefers-reduced-motion: no-preference) {
  .tool, .btn, .mini-btn, .ghost-btn, .addrow, .cell-input, .fld input, .fld select,
  .doc-name, .modal h2 .x, .result-stats .stat, .store-badge {
    transition: background-color .16s ease, border-color .16s ease,
                box-shadow .16s ease, color .16s ease, transform .12s ease;
  }
  .btn:hover, .tool:hover, .mini-btn:hover, .ghost-btn:hover { transform: translateY(-1px); }
  .btn:active, .tool:active, .mini-btn:active, .ghost-btn:active { transform: translateY(0); }
  .overlay.open .modal { animation: modalIn .18s cubic-bezier(.2,.7,.3,1); }
  @keyframes modalIn { from { opacity: 0; transform: translateY(10px) scale(.985); } to { opacity: 1; transform: none; } }
  table.grid tbody tr td { transition: background-color .12s ease; }
}

/* Page depth — a soft top glow instead of a flat field */
body {
  background:
    radial-gradient(1100px 520px at 50% -8%, rgba(37,99,235,.06), transparent 72%),
    var(--bg);
  background-attachment: fixed;
}
:root[data-theme="dark"] body {
  background:
    radial-gradient(1100px 560px at 50% -6%, rgba(59,130,246,.12), transparent 72%),
    var(--bg);
  background-attachment: fixed;
}

/* Accessible focus rings (keyboard only) */
button:focus-visible, select:focus-visible, [contenteditable]:focus-visible, input:focus-visible {
  outline: 2px solid var(--primary); outline-offset: 2px;
}
.cell-input:focus-visible { outline: none; }

/* Cards: a touch more depth */
.card { box-shadow: 0 1px 2px rgba(16,24,40,.04), 0 8px 24px rgba(16,24,40,.07); }
:root[data-theme="dark"] .card { box-shadow: 0 1px 2px rgba(0,0,0,.35), 0 10px 28px rgba(0,0,0,.35); }

/* Primary action buttons get a soft glow */
.tool.primary { box-shadow: 0 2px 10px rgba(37,99,235,.35); }
.tool.primary:hover { box-shadow: 0 5px 16px rgba(37,99,235,.45); }

/* Results: state-aware accent + interactive tiles */
.result-primary { border-left: 4px solid var(--primary); }
.result-primary:has(.v.good) { border-left-color: var(--good); }
.result-primary:has(.v.bad)  { border-left-color: var(--bad); }
.result-stats .stat:hover { background: rgba(37,99,235,.045); }
:root[data-theme="dark"] .result-stats .stat:hover { background: rgba(255,255,255,.035); }

/* Grid: clearer selection */
table.grid tr.selected td:first-child { box-shadow: inset 3px 0 0 var(--primary); }

/* Slim, unobtrusive scrollbars */
* { scrollbar-width: thin; scrollbar-color: var(--line-strong) transparent; }
::-webkit-scrollbar { width: 11px; height: 11px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: var(--line-strong); border: 3px solid transparent; border-radius: 9px; background-clip: content-box; }
::-webkit-scrollbar-thumb:hover { background: var(--muted); background-clip: content-box; }

/* ---- Event-kind dot (quick scan: advance vs payment) ---- */
.kind-dot { display: inline-block; width: 7px; height: 7px; border-radius: 50%; margin-right: 6px; vertical-align: middle; }
.kind-dot.advance { background: var(--accent); }
.kind-dot.payment { background: var(--primary); }

/* ---- "Solved" flash feedback ---- */
@keyframes flashRing {
  0%   { box-shadow: 0 0 0 3px var(--good), var(--shadow); }
  100% { box-shadow: 0 0 0 0 transparent, var(--shadow); }
}
.flash-ring { animation: flashRing 1s ease; }
@media (prefers-reduced-motion: reduce) { .flash-ring { animation: none; } }