:root {
  color-scheme: light;
  --ink: #17211d;
  --ink-soft: #52605a;
  --ink-faint: #74807a;
  --surface: #fffefb;
  --surface-muted: #f4f4ef;
  --surface-raised: #ffffff;
  --line: #dcdfd8;
  --line-strong: #bec6bd;
  --accent: #1f5b4a;
  --accent-strong: #174536;
  --accent-soft: #e7f0eb;
  --attention: #8a5c20;
  --attention-soft: #f8eedc;
  --shadow: 0 24px 70px rgba(27, 42, 35, 0.08);
  --radius-large: 24px;
  --radius-medium: 16px;
  --radius-small: 11px;
  --ease-out: cubic-bezier(0.23, 1, 0.32, 1);
  font-family:
    Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI",
    "Noto Sans TC", sans-serif;
  font-synthesis: none;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  min-width: 320px;
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(circle at 12% -12%, rgba(165, 198, 180, 0.26), transparent 34rem),
    var(--surface-muted);
  font-size: 16px;
  line-height: 1.6;
}

button,
input {
  font: inherit;
}

button,
label,
summary {
  -webkit-tap-highlight-color: transparent;
}

button {
  color: inherit;
}

.skip-link {
  position: fixed;
  z-index: 20;
  top: 12px;
  left: 12px;
  padding: 8px 12px;
  color: white;
  background: var(--accent-strong);
  border-radius: 8px;
  transform: translateY(-180%);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 720;
  text-decoration: none;
  letter-spacing: -0.01em;
}

.brand-mark {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  color: white;
  background: var(--accent);
  border-radius: 10px 10px 12px 12px;
  font-size: 14px;
}

.version-tag {
  color: var(--ink-soft);
  font-size: 13px;
  font-weight: 650;
}

main {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.hero {
  max-width: 770px;
  padding: 58px 0 44px;
}

.eyebrow,
.step-label {
  margin: 0 0 10px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 780;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 20px;
  font-size: clamp(36px, 7vw, 66px);
  line-height: 1.08;
  letter-spacing: -0.055em;
}

.hero-copy {
  max-width: 670px;
  margin-bottom: 22px;
  color: var(--ink-soft);
  font-size: clamp(17px, 2vw, 20px);
}

.privacy-note {
  display: inline-flex;
  align-items: flex-start;
  gap: 9px;
  color: var(--accent-strong);
  font-size: 14px;
  font-weight: 620;
}

.privacy-note svg {
  flex: 0 0 auto;
  margin-top: 1px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.7;
}

.workspace {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 28px;
  align-items: start;
}

.calculator-card,
.results-card {
  padding: clamp(22px, 4vw, 42px);
  background: var(--surface-raised);
  border: 1px solid rgba(190, 198, 189, 0.72);
  border-radius: var(--radius-large);
  box-shadow: var(--shadow);
}

.form-heading {
  padding-bottom: 28px;
}

.form-heading h2,
.results-header h2 {
  margin-bottom: 8px;
  font-size: clamp(26px, 4vw, 34px);
  line-height: 1.2;
  letter-spacing: -0.035em;
}

.form-heading p:last-child,
.diagnostic-heading p {
  margin-bottom: 0;
  color: var(--ink-soft);
}

.form-section {
  min-width: 0;
  margin: 0;
  padding: 30px 0;
  border: 0;
  border-top: 1px solid var(--line);
}

.compact-section {
  padding-top: 28px;
}

.form-section legend {
  width: 100%;
  padding: 0;
  font-size: 19px;
  font-weight: 740;
  letter-spacing: -0.02em;
}

.section-help {
  margin: 5px 0 20px;
  color: var(--ink-soft);
  font-size: 14px;
}

.choice-group,
.preset-group {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 16px;
}

.choice-card,
.preset-card {
  position: relative;
  min-width: 0;
  cursor: pointer;
}

.choice-card input,
.preset-card input {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  opacity: 0;
  pointer-events: none;
}

.choice-card > span,
.preset-card > span {
  min-height: 76px;
  padding: 15px 16px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 2px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-small);
  transition:
    border-color 150ms ease,
    background-color 150ms ease,
    transform 140ms var(--ease-out);
}

.choice-card strong,
.preset-card strong {
  font-size: 15px;
}

.choice-card small,
.preset-card small {
  color: var(--ink-soft);
  font-size: 13px;
  line-height: 1.45;
}

.choice-card input:checked + span,
.preset-card input:checked + span {
  background: var(--accent-soft);
  border-color: var(--accent);
  box-shadow: inset 0 0 0 1px var(--accent);
}

.choice-card input:focus-visible + span,
.preset-card input:focus-visible + span {
  outline: 3px solid rgba(31, 91, 74, 0.24);
  outline-offset: 2px;
}

.choice-card:active > span,
.preset-card:active > span {
  transform: scale(0.985);
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px 16px;
}

.loan-fields {
  margin-top: 22px;
}

.field {
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 7px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 660;
}

.field-wide {
  grid-column: 1 / -1;
}

.input-shell {
  min-height: 52px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--surface);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-small);
  transition:
    border-color 150ms ease,
    box-shadow 150ms ease,
    background-color 150ms ease;
}

.input-shell:focus-within {
  background: white;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(31, 91, 74, 0.14);
}

.input-shell:has(input[aria-invalid="true"]) {
  border-color: var(--attention);
  box-shadow: 0 0 0 3px rgba(138, 92, 32, 0.12);
}

.input-shell input {
  width: 100%;
  min-width: 0;
  padding: 13px 4px 13px 15px;
  color: var(--ink);
  background: transparent;
  border: 0;
  outline: 0;
  font-size: 17px;
  font-variant-numeric: tabular-nums;
}

.input-shell input::-webkit-outer-spin-button,
.input-shell input::-webkit-inner-spin-button {
  margin: 0;
  appearance: none;
}

.unit {
  flex: 0 0 auto;
  padding: 0 14px 0 8px;
  color: var(--ink-soft);
  font-size: 13px;
  font-weight: 620;
}

.field-note,
.field-error {
  min-height: 0;
  color: var(--ink-faint);
  font-size: 12px;
  font-weight: 500;
  line-height: 1.45;
}

.field-error:not(:empty) {
  color: var(--attention);
}

.loan-disclaimer {
  margin: 20px 0 0;
  padding: 13px 15px;
  color: var(--ink-soft);
  background: var(--surface-muted);
  border-radius: 10px;
  font-size: 13px;
}

.form-errors {
  margin: 2px 0 16px;
  padding: 13px 15px;
  color: #664516;
  background: var(--attention-soft);
  border: 1px solid #e7d1ad;
  border-radius: var(--radius-small);
  font-size: 14px;
}

.submit-button {
  width: 100%;
  min-height: 56px;
  padding: 14px 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  color: white;
  background: var(--accent);
  border: 0;
  border-radius: 13px;
  cursor: pointer;
  font-weight: 760;
  box-shadow: 0 12px 28px rgba(31, 91, 74, 0.2);
  transition:
    transform 140ms var(--ease-out),
    background-color 150ms ease,
    box-shadow 150ms ease;
}

.submit-button svg,
.reference-panel svg {
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.submit-button:active {
  transform: scale(0.98);
}

.submit-button:focus-visible,
.text-button:focus-visible,
.reference-panel summary:focus-visible {
  outline: 3px solid rgba(31, 91, 74, 0.24);
  outline-offset: 3px;
}

.submit-note {
  margin: 10px 0 0;
  color: var(--ink-faint);
  text-align: center;
  font-size: 12px;
}

.results-card {
  opacity: 1;
  transform: translateY(0);
  transition:
    opacity 220ms var(--ease-out),
    transform 220ms var(--ease-out);
}

.results-card[data-entering="true"] {
  opacity: 0;
  transform: translateY(10px);
}

.results-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}

.results-header h2 {
  margin-bottom: 0;
}

.text-button {
  flex: 0 0 auto;
  padding: 8px 2px;
  color: var(--accent);
  background: transparent;
  border: 0;
  cursor: pointer;
  font-size: 14px;
  font-weight: 730;
  text-underline-offset: 4px;
}

.text-button:active {
  transform: scale(0.97);
}

.result-overview {
  padding: 26px 0 18px;
}

.overview-kicker {
  margin-bottom: 8px;
  color: var(--ink-soft);
  font-size: 14px;
}

.overview-title {
  margin-bottom: 8px;
  font-size: clamp(24px, 4vw, 32px);
  line-height: 1.25;
  letter-spacing: -0.035em;
}

.overview-copy {
  margin-bottom: 0;
  color: var(--ink-soft);
}

.loan-summary {
  padding: 16px;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  background: var(--surface-muted);
  border-radius: var(--radius-medium);
}

.summary-item {
  min-width: 0;
}

.summary-item small {
  display: block;
  margin-bottom: 2px;
  color: var(--ink-faint);
  font-size: 12px;
}

.summary-item strong {
  display: block;
  overflow-wrap: anywhere;
  font-size: 15px;
  font-variant-numeric: tabular-nums;
}

.diagnostic-heading {
  padding: 32px 0 16px;
}

.diagnostic-heading h3 {
  margin-bottom: 4px;
  font-size: 19px;
}

.diagnostic-heading p {
  font-size: 14px;
}

.diagnostic-list {
  margin: 0;
  padding: 0;
  display: grid;
  gap: 11px;
  list-style: none;
}

.diagnostic-item {
  position: relative;
  padding: 18px 18px 18px 56px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-medium);
}

.diagnostic-index {
  position: absolute;
  top: 18px;
  left: 18px;
  width: 26px;
  height: 26px;
  display: grid;
  place-items: center;
  color: var(--accent-strong);
  background: var(--accent-soft);
  border-radius: 8px;
  font-size: 12px;
  font-weight: 800;
}

.diagnostic-item[data-state="risk"] {
  border-color: #d9be94;
}

.diagnostic-item[data-state="risk"] .diagnostic-index {
  color: #6f4815;
  background: var(--attention-soft);
}

.diagnostic-item[data-state="watch"] {
  border-color: #b9c9c0;
}

.diagnostic-trigger {
  margin-bottom: 4px;
  color: var(--ink-faint);
  font-size: 12px;
  font-weight: 680;
  letter-spacing: 0.035em;
}

.diagnostic-item h4 {
  margin: 0 0 6px;
  font-size: 17px;
  line-height: 1.35;
}

.diagnostic-summary {
  margin-bottom: 5px;
  color: var(--ink);
  font-size: 15px;
  font-weight: 640;
}

.diagnostic-detail {
  margin-bottom: 0;
  color: var(--ink-soft);
  font-size: 14px;
}

.reference-panel {
  margin-top: 26px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.reference-panel summary {
  padding: 18px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  font-weight: 720;
  list-style: none;
}

.reference-panel summary::-webkit-details-marker {
  display: none;
}

.reference-panel summary small {
  display: block;
  color: var(--ink-faint);
  font-size: 11px;
  font-weight: 650;
  letter-spacing: 0.07em;
}

.reference-panel svg {
  transition: transform 170ms var(--ease-out);
}

.reference-panel[open] svg {
  transform: rotate(180deg);
}

.reference-content {
  padding: 0 0 20px;
  color: var(--ink-soft);
  font-size: 14px;
}

.reference-value {
  margin-bottom: 5px;
  color: var(--ink);
  font-size: 25px;
  font-weight: 780;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.025em;
}

.reference-content p:last-child {
  margin-bottom: 0;
}

.education-note {
  margin-top: 24px;
  padding: 17px 18px;
  background: var(--surface-muted);
  border-radius: var(--radius-medium);
}

.education-note strong {
  font-size: 14px;
}

.education-note p {
  margin: 4px 0 0;
  color: var(--ink-soft);
  font-size: 13px;
}

footer {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
  padding: 34px 0 46px;
  color: var(--ink-faint);
  text-align: center;
  font-size: 12px;
}

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

.noscript {
  position: fixed;
  right: 16px;
  bottom: 16px;
  left: 16px;
  margin: 0 auto;
  padding: 14px 16px;
  color: #664516;
  background: var(--attention-soft);
  border: 1px solid #e7d1ad;
  border-radius: var(--radius-small);
  text-align: center;
}

[hidden] {
  display: none !important;
}

@media (min-width: 880px) {
  .workspace:has(.results-card:not([hidden])) {
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
  }

  .workspace:has(.results-card:not([hidden])) .calculator-card,
  .workspace:has(.results-card:not([hidden])) .results-card {
    position: sticky;
    top: 20px;
    max-height: calc(100vh - 40px);
    overflow-y: auto;
  }
}

@media (max-width: 640px) {
  .site-header,
  main,
  footer {
    width: min(100% - 24px, 1120px);
  }

  .site-header {
    padding-top: 14px;
  }

  .brand {
    font-size: 14px;
  }

  .version-tag {
    font-size: 11px;
  }

  .hero {
    padding: 38px 2px 30px;
  }

  h1 {
    margin-bottom: 16px;
    font-size: 39px;
  }

  .calculator-card,
  .results-card {
    padding: 24px 18px;
    border-radius: 20px;
  }

  .choice-group,
  .preset-group,
  .field-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .field-wide {
    grid-column: auto;
  }

  .choice-group,
  .preset-group {
    gap: 8px;
  }

  .choice-card > span,
  .preset-card > span {
    min-height: 66px;
  }

  .field-grid {
    gap: 18px;
  }

  .form-section {
    padding: 26px 0;
  }

  .results-header {
    align-items: center;
  }

  .diagnostic-item {
    padding: 17px 16px 17px 52px;
  }

  .diagnostic-index {
    top: 17px;
    left: 16px;
  }
}

@media (hover: hover) and (pointer: fine) {
  .choice-card:hover > span,
  .preset-card:hover > span {
    border-color: var(--accent);
  }

  .submit-button:hover {
    background: var(--accent-strong);
    box-shadow: 0 14px 32px rgba(31, 91, 74, 0.26);
  }

  .text-button:hover {
    text-decoration: underline;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .choice-card > span,
  .preset-card > span,
  .submit-button,
  .results-card,
  .reference-panel svg {
    transition-property: opacity, background-color, border-color, box-shadow;
    transition-duration: 120ms;
  }

  .choice-card:active > span,
  .preset-card:active > span,
  .submit-button:active,
  .text-button:active,
  .results-card[data-entering="true"],
  .reference-panel[open] svg {
    transform: none;
  }
}