/* Mortgage Calculator. Shares the layout language of sites.jackhammons.com,
   with a green standing in for the usual accent red. The series colours are
   a validated categorical set, light and dark stepped separately. */
:root{
  color-scheme:light dark;
  --bg:#101614;--panel:#18201d;--panel-2:#1f2925;--line:#2f3b36;
  --ink:#eef3f0;--ink-2:#b9c6bf;--ink-3:#86968e;
  --accent:#4fb38b;--accent-soft:rgba(79,179,139,.15);--bad:#e66767;
  --s1:#3987e5;--s2:#d95926;--s3:#199e70;--s4:#c98500;--s5:#d55181;--s6:#008300;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
@media (prefers-color-scheme:light){
  :root{--bg:#f6f8f5;--panel:#ffffff;--panel-2:#f0f3ef;--line:#dbe2dc;
        --ink:#14201b;--ink-2:#4a5a52;--ink-3:#5d6b64;
        --accent:#2f7d5e;--accent-soft:rgba(47,125,94,.1);--bad:#c43b3a;
        --s1:#2a78d6;--s2:#eb6834;--s3:#1baf7a;--s4:#eda100;--s5:#e87ba4;--s6:#008300}
}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);
     line-height:1.55;-webkit-font-smoothing:antialiased;
     display:flex;flex-direction:column;min-height:100vh}
.wrap{width:min(1080px,calc(100vw - 32px));margin:0 auto}
a{color:inherit}
h1{font-family:var(--serif);font-weight:600;font-size:clamp(32px,6vw,52px);
   letter-spacing:-.025em;line-height:1.05;margin:6px 0 8px}
h2{font-family:var(--serif);font-size:19px;margin:0;letter-spacing:-.01em;font-weight:600}
.lede{color:var(--ink-2);font-size:17px;margin:0;max-width:60ch}
.eyebrow{font-family:var(--mono);font-size:11px;letter-spacing:.2em;
         text-transform:uppercase;color:var(--ink-3);margin:0}

header{padding:48px 0 26px}
main{flex:1;padding-bottom:56px}
section{margin-top:30px}
.head{display:flex;align-items:center;justify-content:space-between;gap:16px;
      margin-bottom:12px;flex-wrap:wrap}

.panel{background:var(--panel);border:1px solid var(--line);border-radius:14px}
.grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:20px;align-items:start}
.grid > section{margin-top:0}

/* ---- inputs ---- */
.inputs{padding:20px 22px 22px}
.inputs h2{margin:20px 0 10px;font-size:16px;color:var(--ink-2)}
.inputs h2:first-child{margin-top:0}
.field{display:block;margin-bottom:12px;min-width:0}
.pair{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lbl{display:block;font-size:12.5px;color:var(--ink-2);margin-bottom:4px;font-weight:500}
.box{display:flex;align-items:center;background:var(--panel-2);border:1px solid var(--line);
     border-radius:9px;padding:0 10px;transition:border-color .15s,box-shadow .15s}
.box:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.box i{font-style:normal;color:var(--ink-3);font-family:var(--mono);font-size:13px;white-space:nowrap}
/* 16px is the floor below which iOS Safari zooms the page on focus; keep every
   field at or above it rather than disabling zoom in the viewport meta. */
.box input,.box select{flex:1;min-width:0;width:100%;font:inherit;font-family:var(--mono);font-size:16px;
  color:var(--ink);background:transparent;border:0;outline:0;padding:9px 6px;
  font-variant-numeric:tabular-nums}
.box select{padding-left:0;cursor:pointer}
.box select option{background:var(--panel);color:var(--ink)}
/* The unit picker sits where the "/yr" adornment did: muted, no wider than
   its text, and 16px like every other field, since iOS zooms on a select too. */
.box select.unit{flex:0 1 auto;width:auto;color:var(--ink-3);padding:9px 0 9px 4px;text-align:right}
.box:has(select.unit) input{min-width:5ch}
.inputs .h2-row{margin:20px 0 10px}
.inputs .h2-row h2{margin:0}
#split-fields[hidden],#escrow-fields[hidden],#new-fields[hidden],#progress-fields[hidden],
#price-field[hidden],#next-field[hidden]{display:none}
.field[hidden]{display:none}
/* The first-payment month has the row to itself on a new loan; on a loan
   under way it shares it with the last-payment month. */
#date-fields #start-field{grid-column:1 / -1}
#date-fields #start-field:has(+#maturity-field:not([hidden])){grid-column:auto}
.inferred{background:var(--accent-soft);border:1px solid var(--accent);border-radius:9px;padding:10px 12px;margin-bottom:12px}
.inferred p{margin:2px 0 0;font-size:13.5px;color:var(--ink-2)}
.inferred b{font-family:var(--mono);font-weight:600;color:var(--ink);font-size:15px;margin-right:6px}
.inferred.invalid{border-color:var(--bad);background:transparent}
.box input[type=month]{padding-left:0}
/* The month select and year box that stand in for a month field where the
   browser has no picker: the year keeps room for four digits and its arrows. */
.box select[id$="-month"]{flex:1 1 4.5em}
.box input[id$="-year"]{flex:1 1 5.5em;min-width:5.5ch;padding-right:0}
.hint{display:block;font-size:11.5px;color:var(--ink-3);margin-top:3px}
.field.invalid .box{border-color:var(--bad)}
.field.invalid .lbl{color:var(--bad)}

.actions{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-top:18px}
button{font:inherit;font-size:13px;color:var(--ink);background:var(--accent-soft);
  border:1px solid var(--accent);border-radius:999px;padding:7px 14px;cursor:pointer}
button.quiet{background:transparent;border-color:var(--line);color:var(--ink-2)}
button:hover{border-color:var(--ink-3)}
button:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.status{font-size:12.5px;color:var(--ink-3)}

/* ---- results ---- */
.results{padding:22px 24px 24px;position:sticky;top:16px}
.total{font-family:var(--mono);font-weight:600;font-size:clamp(42px,7vw,64px);
  letter-spacing:-.04em;line-height:1;margin:8px 0 6px;font-variant-numeric:tabular-nums}
.total small{font-size:.32em;color:var(--ink-3);letter-spacing:0;margin-left:4px;font-weight:500}
.sub{color:var(--ink-2);margin:0 0 18px;font-size:14px;min-height:1.5em}

.stack{display:flex;gap:2px;height:14px;border-radius:4px;overflow:hidden;background:var(--panel-2)}
.stack .seg{flex:0 0 auto;flex-basis:0;min-width:3px;transition:flex-grow .3s}
.stack .seg[hidden]{display:none}
.s1 .sw,.seg.s1{background:var(--s1)} .s2 .sw,.seg.s2{background:var(--s2)}
.s3 .sw,.seg.s3{background:var(--s3)} .s4 .sw,.seg.s4{background:var(--s4)}
.s5 .sw,.seg.s5{background:var(--s5)} .s6 .sw,.seg.s6{background:var(--s6)}
.sw{display:inline-block;width:10px;height:10px;border-radius:3px;flex:none}

.legend{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:2px}
.legend li{display:flex;align-items:center;gap:10px;padding:5px 0;font-size:14px;
  border-bottom:1px dashed var(--line)}
.legend li:last-child{border-bottom:0}
.legend .nm{flex:1;color:var(--ink-2)}
.legend b{font-family:var(--mono);font-weight:500;font-variant-numeric:tabular-nums}
.legend li.zero{opacity:.45}
.legend li[hidden]{display:none}

.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;margin:20px 0 0;
  background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.fact{background:var(--panel);padding:12px 14px;margin:0}
.fact dt{font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--ink-3);margin:0 0 3px}
.fact dd{margin:0;font-family:var(--mono);font-size:17px;font-variant-numeric:tabular-nums}
.fact dd small{display:block;font-size:11.5px;color:var(--ink-3);margin-top:2px;font-family:var(--sans)}
.fact.muted dd span{color:var(--ink-3)}

/* ---- chart ---- */
.chart-panel{padding:16px 18px 10px;position:relative}
.chart-legend{list-style:none;display:flex;gap:2px 14px;flex-wrap:wrap;margin:0 0 6px;padding:0;
  font-size:13px;color:var(--ink-2)}
.chart-legend li{display:flex}
/* Each axis has its own group in the legend: a caption, then its lines.
   Right-axis lines are dashed everywhere they appear — chart, legend,
   tooltip — so the eye can pair a line with its scale without reading. */
.chart-legend .axis-cap{align-items:center;font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-3);padding:3px 0;white-space:nowrap}
.chart-legend .axis-cap+li{margin-left:-6px}
.chart-legend .gap{flex-basis:100%;height:4px}
.chart-legend button{display:flex;align-items:center;gap:7px;font:inherit;font-size:13px;color:var(--ink-2);
  background:transparent;border:1px solid transparent;border-radius:999px;padding:3px 8px 3px 6px;cursor:pointer}
.chart-legend button:hover{border-color:var(--line)}
.chart-legend button:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
.chart-legend button[aria-pressed="false"]{color:var(--ink-3);text-decoration:line-through}
.chart-legend button[aria-pressed="false"] .sw{opacity:.25}
.chart-legend .sw{height:2px;width:16px;border-radius:2px}
.chart-legend button.dashed .sw,.tip .tr.dashed .sw{background:repeating-linear-gradient(90deg,currentColor 0 4px,transparent 4px 7px)}
.chart-legend button.dashed.s3 .sw,.tip .tr.dashed.s3 .sw{color:var(--s3)} .chart-legend button.dashed.s4 .sw,.tip .tr.dashed.s4 .sw{color:var(--s4)}
.chart-legend button.dashed.s2 .sw,.tip .tr.dashed.s2 .sw{color:var(--s2)} .chart-legend button.dashed.s6 .sw,.tip .tr.dashed.s6 .sw{color:var(--s6)}
.chart{position:relative;width:100%}
.chart svg{display:block;width:100%;height:auto}
.chart .grid line{stroke:var(--line);stroke-width:1}
.chart .grid text{fill:var(--ink-3);font-family:var(--mono);font-size:11px}
.chart .empty-lines{fill:var(--ink-3);font-size:13px}
.chart .line{fill:none;stroke-width:2;stroke-linejoin:round;stroke-linecap:round}
.chart .line.s1{stroke:var(--s1)} .chart .line.s2{stroke:var(--s2)}
.chart .line.s3{stroke:var(--s3)} .chart .line.s4{stroke:var(--s4)}
.chart .line.s6{stroke:var(--s6)} .chart .dot.s6{fill:var(--s6)}
.chart .line.dashed{stroke-dasharray:5 4}
.chart .axis-title{fill:var(--ink-3);font-family:var(--mono);font-size:9.5px;letter-spacing:.14em;text-transform:uppercase}
.chart .cross{stroke:var(--ink-3);stroke-width:1;stroke-dasharray:3 3}
.chart .today{stroke:var(--ink-2);stroke-width:1.2;stroke-dasharray:1.5 4;stroke-linecap:round}
.chart .today-label{fill:var(--ink-2);font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase}
.chart .dot{stroke:var(--panel);stroke-width:2}
.chart .dot.s1{fill:var(--s1)} .chart .dot.s2{fill:var(--s2)}
.chart .dot.s3{fill:var(--s3)} .chart .dot.s4{fill:var(--s4)}
.chart .hit{fill:transparent;cursor:crosshair;touch-action:pan-y}
.empty{color:var(--ink-3);font-size:14px;padding:30px 0;text-align:center;margin:0}
.schedule td.empty{text-align:center;font-family:var(--sans)}
.tip{position:absolute;pointer-events:none;background:var(--panel-2);border:1px solid var(--line);
  border-radius:10px;padding:9px 12px;font-size:12.5px;min-width:200px;
  box-shadow:0 6px 20px rgba(0,0,0,.18);z-index:2}
.tip b{font-weight:600}
.tip .tr{display:flex;align-items:center;gap:8px;margin-top:4px;color:var(--ink-2)}
.tip .tr .sw{height:2px;width:12px}
.tip .tr.dashed .sw{background-color:transparent}
.tip .tr > span:first-child:empty{width:12px}
.tip em{font-style:normal;margin-left:auto;font-family:var(--mono);color:var(--ink);padding-left:14px}

/* ---- schedule ---- */
.seg-toggle{display:flex;gap:6px}
.seg-toggle button{background:transparent;border-color:var(--line);color:var(--ink-2);padding:5px 12px;font-size:12.5px}
.seg-toggle button[aria-pressed="true"]{background:var(--accent-soft);border-color:var(--accent);color:var(--ink)}
.table-wrap{max-height:520px;overflow:auto}
.schedule{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}
.schedule th,.schedule td{padding:8px 14px;text-align:right;white-space:nowrap;border-bottom:1px solid var(--line)}
.schedule thead th{position:sticky;top:0;background:var(--panel);font-family:var(--mono);font-size:10.5px;
  letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);font-weight:500;z-index:1}
.schedule th:first-child{text-align:left}
.schedule tbody th{font-weight:500;font-family:var(--mono)}
.schedule tbody th small{color:var(--ink-3);margin-left:6px;font-family:var(--sans);font-weight:400}
.schedule td{font-family:var(--mono)}
.schedule td:last-child{color:var(--ink)}
.schedule .nil{color:var(--ink-3)}
.schedule tbody tr:last-child th,.schedule tbody tr:last-child td{border-bottom:0}
/* app.js marks the table when no row has an extra payment or any PMI. */
.schedule.no-extra :is(th,td):nth-child(4),.schedule.no-pmi :is(th,td):nth-child(5){display:none}

code{font-family:var(--mono);font-size:12.5px;background:var(--panel-2);
  border:1px solid var(--line);border-radius:5px;padding:1px 6px}

.noscript{background:var(--panel);border:1px solid var(--line);border-left:3px solid var(--accent);
  border-radius:12px;padding:16px 18px;margin-top:24px;color:var(--ink-2);font-size:14.5px}

footer{border-top:1px solid var(--line);padding:24px 0 40px;color:var(--ink-3);font-size:12.5px}
footer p{margin:0 0 8px}
footer p:last-child{margin:0}

@media (max-width:820px){
  .grid{grid-template-columns:minmax(0,1fr)}
  .results{position:static;order:-1}
}
@media (max-width:560px){
  /* Over the plot the tooltip would hide most of a chart this narrow, so it
     sits under it, in the flow of the page. */
  .tip{position:static;margin:8px 0 6px;min-width:0;box-shadow:none}
}
@media (max-width:440px){
  /* A month input needs the full width to show "September 2026". */
  #date-fields #start-field:has(+#maturity-field:not([hidden])),#date-fields #maturity-field{grid-column:1 / -1}
  .facts{grid-template-columns:1fr}
  /* Four columns of dollars have to fit a phone: tighter cells, and the row
     label drops its "from". */
  .schedule{font-size:12px}
  .schedule th,.schedule td{padding:7px 6px}
  .schedule th:first-child{padding-left:12px}
  .schedule :is(th,td):last-child{padding-right:12px}
  .schedule tbody th small{margin-left:4px}
  .schedule .wide{display:none}
  .inputs,.results{padding-left:16px;padding-right:16px}
}
@media (max-width:350px){
  /* Half the form's width cannot hold a number and its unit picker, or
     "30 years", at the 16px the fields need. */
  .pair{grid-template-columns:1fr;gap:0}
}
@media (prefers-reduced-motion:reduce){ *{transition:none!important} }