/* ============================================================
   Insure — teaching insurance premium calculator
   ============================================================ */
:root {
  color-scheme: light;
  --bg: #edf0f3;
  --surface: #ffffff;
  --surface-2: #f5f7f9;
  --ink: #141c26;
  --ink-2: #3c4a59;
  --muted: #5f6e7e;
  --line: #d3dae2;
  --line-2: #e6ebf0;
  --accent: #1c5cab;
  --accent-ink: #ffffff;
  --accent-soft: #cde2fb;
  --accent-bar: #86b6ef;
  --warm: #b4600f;
  --warm-soft: #fbead8;
  --good: #0a7d0a;
  --critical: #c23434;
  --focus: #1c5cab;
  --font-display: "Unbounded", "Arial Black", "Helvetica Neue", Arial, sans-serif;
  --font-body: "IBM Plex Sans", "Segoe UI", Roboto, Arial, sans-serif;
  --font-mono: "IBM Plex Mono", "Consolas", "Courier New", monospace;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    color-scheme: dark;
    --bg: #11161c;
    --surface: #1a2129;
    --surface-2: #212a34;
    --ink: #eef2f6;
    --ink-2: #c5cfd9;
    --muted: #93a2b2;
    --line: #2f3a47;
    --line-2: #26303b;
    --accent: #5598e7;
    --accent-ink: #0b1626;
    --accent-soft: #1d3557;
    --accent-bar: #2a5a99;
    --warm: #e8a15a;
    --warm-soft: #3a2a17;
    --good: #4cc04c;
    --critical: #ef6b6b;
    --focus: #86b6ef;
  }
}
:root[data-theme="dark"] {
  color-scheme: dark;
  --bg: #11161c;
  --surface: #1a2129;
  --surface-2: #212a34;
  --ink: #eef2f6;
  --ink-2: #c5cfd9;
  --muted: #93a2b2;
  --line: #2f3a47;
  --line-2: #26303b;
  --accent: #5598e7;
  --accent-ink: #0b1626;
  --accent-soft: #1d3557;
  --accent-bar: #2a5a99;
  --warm: #e8a15a;
  --warm-soft: #3a2a17;
  --good: #4cc04c;
  --critical: #ef6b6b;
  --focus: #86b6ef;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 15px;
  line-height: 1.5;
  font-feature-settings: "tnum" 1;
}
a { color: var(--accent); }
button, input, select { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }
.num { font-variant-numeric: tabular-nums; font-family: var(--font-mono); }

/* ---------- Header ---------- */
.site {
  max-width: 1240px;
  margin: 0 auto;
  padding: 28px 24px 56px;
}
.masthead {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px 32px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 24px;
}
.eyebrow {
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 6px;
}
h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(24px, 3.2vw, 34px);
  line-height: 1.15;
  letter-spacing: -.01em;
  margin: 0;
  text-wrap: balance;
}
.masthead p.lead {
  max-width: 62ch;
  margin: 8px 0 0;
  color: var(--ink-2);
}
.formula {
  font-family: var(--font-mono);
  font-size: 13px;
  color: var(--muted);
  background: var(--surface-2);
  border: 1px solid var(--line-2);
  border-radius: 6px;
  padding: 10px 14px;
  white-space: nowrap;
  overflow-x: auto;
  max-width: 100%;
}
.formula b { color: var(--ink); font-weight: 600; }

/* ---------- QR ---------- */
.masthead-side { display: flex; flex-direction: column; align-items: flex-end; gap: 10px; max-width: 100%; }
.qr-card {
  display: flex; align-items: center; gap: 12px;
  padding: 8px 12px 8px 8px;
  border: 1px solid var(--line); border-radius: 8px;
  background: var(--surface); cursor: pointer; text-align: left;
}
.qr-card:hover { border-color: var(--accent); }
.qr-img { display: block; width: 96px; height: 96px; background: #fff; border-radius: 4px; padding: 4px; }
.qr-text { display: grid; gap: 2px; }
.qr-title { font-weight: 600; font-size: 13px; }
.qr-url { font-family: var(--font-mono); font-size: 13px; color: var(--accent); }
.qr-hint { font-size: 11px; color: var(--muted); }
.qr-dialog {
  border: none; padding: 0; margin: 0;
  width: 100vw; height: 100vh; max-width: none; max-height: none;
  background: #fff; color: #141c26;
}
.qr-dialog::backdrop { background: #fff; }
.qr-stage {
  height: 100%; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 18px; padding: 24px;
}
.qr-big { width: min(70vh, 80vw); height: auto; display: block; }
.qr-big-url { font-family: var(--font-display); font-weight: 600; font-size: clamp(22px, 4vw, 44px); letter-spacing: -.01em; }
.qr-big-hint { font-size: clamp(14px, 1.8vw, 20px); color: #5f6e7e; text-align: center; }
.qr-close {
  position: fixed; top: 16px; right: 20px;
  border: 1px solid #d3dae2; background: #fff; color: #141c26;
  border-radius: 999px; width: 44px; height: 44px; font-size: 26px; line-height: 1; cursor: pointer;
}
.qr-close:hover { border-color: #1c5cab; color: #1c5cab; }
@media (max-width: 640px) {
  .masthead-side { align-items: stretch; }
  .qr-card { display: none; }
}

/* ---------- Layout ---------- */
.layout {
  display: grid;
  grid-template-columns: minmax(300px, 400px) minmax(0, 1fr);
  gap: 24px;
  align-items: start;
}
@media (max-width: 900px) {
  .layout { grid-template-columns: minmax(0, 1fr); }
  #breakdown td .sub:not(.keep) { display: none; }
}
.panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 10px;
}
.panel + .panel { margin-top: 16px; }
.panel-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 18px 10px;
}
.panel-head h2 {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 14px;
  letter-spacing: .01em;
  margin: 0;
}
.panel-head .hint { font-size: 12px; color: var(--muted); }
.panel-body { padding: 0 18px 16px; }

/* ---------- Car picker ---------- */
.cars { display: grid; gap: 8px; margin: 0; padding: 0; list-style: none; }
.car {
  display: grid;
  grid-template-columns: auto 1fr auto auto;
  gap: 2px 12px;
  align-items: center;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
  background: var(--surface);
  transition: border-color .15s, background .15s;
}
.car:hover { border-color: var(--accent-bar); }
.car input { margin: 0; accent-color: var(--accent); grid-row: span 2; }
.car.is-on { border-color: var(--accent); background: var(--accent-soft); }
.car .name { font-weight: 600; }
.car .body { font-size: 12px; color: var(--muted); grid-column: 2; grid-row: 2; }
.car .price { font-family: var(--font-mono); font-size: 14px; grid-column: 3; grid-row: 1 / span 2; text-align: right; }
.car .seg {
  font-size: 11px;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--muted);
  margin-left: 6px;
}

/* ---------- Risk list ---------- */
.risk-hint { margin: 0 0 10px; color: var(--ink-2); }
.risks { display: grid; gap: 6px; margin: 0; padding: 0; list-style: none; }
.risk {
  border: 1px solid var(--line-2);
  border-radius: 8px;
  background: var(--surface);
}
.risk.is-on { border-color: var(--line); background: var(--surface-2); }
.risk label {
  display: grid;
  grid-template-columns: auto 1fr auto auto;
  gap: 2px 10px;
  align-items: center;
  padding: 9px 12px;
  cursor: pointer;
}
.risk input { margin: 0; accent-color: var(--accent); grid-row: span 2; }
.risk .name { font-weight: 600; }
.risk .desc { font-size: 12px; color: var(--muted); grid-column: 2; grid-row: 2; }
.risk .prob {
  grid-column: 3;
  grid-row: 1 / span 2;
  font-family: var(--font-mono);
  font-size: 12px;
  text-align: right;
  line-height: 1.25;
  white-space: nowrap;
}
.risk .prob small { display: block; color: var(--muted); font-size: 11px; }
.risk details { border-top: 1px solid var(--line-2); }
.risk summary {
  font-size: 12px;
  color: var(--muted);
  padding: 6px 12px;
  cursor: pointer;
  list-style: none;
}
.risk summary::-webkit-details-marker { display: none; }
.risk summary::before { content: "› "; }
.risk details[open] summary::before { content: "⌄ "; }
.risk .source {
  font-size: 12px;
  color: var(--ink-2);
  padding: 0 12px 10px;
  margin: 0;
}
.toolbar { display: flex; gap: 8px; }
.btn {
  border: 1px solid var(--line);
  background: var(--surface);
  border-radius: 6px;
  padding: 4px 10px;
  font-size: 12px;
  cursor: pointer;
}
.btn:hover { border-color: var(--accent); color: var(--accent); }
.btn-primary {
  background: var(--accent);
  color: var(--accent-ink);
  border-color: var(--accent);
  font-size: 14px;
  padding: 9px 16px;
  font-weight: 600;
}
.btn-primary:hover { color: var(--accent-ink); filter: brightness(1.08); }

/* ---------- Add forms ---------- */
.add { margin-top: 10px; border-top: 1px dashed var(--line); padding-top: 8px; }
.add summary { font-size: 13px; color: var(--accent); cursor: pointer; list-style: none; }
.add summary::-webkit-details-marker { display: none; }
.add summary::before { content: "+ "; font-weight: 600; }
.add[open] summary::before { content: "− "; }
.add-form { display: grid; gap: 8px; margin-top: 8px; }
.add-form label { display: grid; gap: 4px; font-size: 12px; color: var(--muted); }
.add-form input { padding: 7px 10px; border: 1px solid var(--line); border-radius: 6px; background: var(--surface); font-size: 14px; }
.add-form .btn-primary { justify-self: start; font-size: 13px; padding: 7px 14px; }
.add-hint { font-size: 12px; color: var(--muted); margin: 0; }
.del {
  border: none; background: none; color: var(--muted); cursor: pointer;
  font-size: 16px; line-height: 1; padding: 2px 6px; border-radius: 4px;
}
.del:hover { color: var(--critical); background: var(--surface-2); }
.car .del, .risk .del { grid-column: 4; grid-row: 1 / span 2; }
.tag { font-size: 10px; letter-spacing: .06em; text-transform: uppercase; color: var(--warm); margin-left: 6px; }

/* ---------- Contract params ---------- */
.field { display: grid; gap: 6px; margin-bottom: 14px; }
.field:last-child { margin-bottom: 0; }
.field > span { font-size: 12px; color: var(--muted); letter-spacing: .04em; text-transform: uppercase; }
.seg-control { display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 4px; position: relative; }
.seg-control label {
  text-align: center;
  padding: 7px 6px;
  border: 1px solid var(--line);
  border-radius: 6px;
  font-size: 13px;
  cursor: pointer;
}
.seg-control label small { display: block; font-size: 11px; color: var(--muted); }
.seg-control input { position: absolute; opacity: 0; width: 0; height: 0; }
.seg-control label.is-on { border-color: var(--accent); background: var(--accent-soft); }
.seg-control label:focus-within { outline: 2px solid var(--focus); outline-offset: 2px; }
.seg-control label.is-on small { color: var(--ink-2); }
select {
  padding: 8px 10px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--surface);
}
.range-row { display: grid; grid-template-columns: 1fr auto; gap: 12px; align-items: center; }
input[type="range"] { width: 100%; accent-color: var(--accent); }

/* ---------- Results ---------- */
.hero {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 8px 24px;
  padding: 20px 22px;
}
@media (max-width: 640px) { .hero { grid-template-columns: 1fr; } }
.hero .label { font-size: 12px; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; }
.hero .big {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(30px, 4.6vw, 46px);
  line-height: 1.05;
  letter-spacing: -.02em;
  font-variant-numeric: tabular-nums;
  margin: 4px 0 2px;
}
.hero .big small { white-space: nowrap; font-size: .5em; font-weight: 500; color: var(--muted); letter-spacing: 0; margin-left: 4px; }
.hero .sub { color: var(--ink-2); }
.kpis { display: grid; grid-template-columns: repeat(3, auto); gap: 4px 20px; align-self: end; }
@media (max-width: 640px) { .kpis { grid-template-columns: repeat(3, 1fr); } }
.kpi .label { font-size: 11px; }
.kpi .val { font-family: var(--font-mono); font-size: 16px; }
.hero-note {
  grid-column: 1 / -1;
  border-top: 1px solid var(--line-2);
  padding-top: 10px;
  font-size: 13px;
  color: var(--muted);
}
.hero-note b { color: var(--warm); font-weight: 600; }

/* ---------- Table ---------- */
.table-wrap { overflow-x: auto; }
table { border-collapse: collapse; width: 100%; font-size: 13.5px; }
th, td { padding: 8px 10px; text-align: left; border-bottom: 1px solid var(--line-2); vertical-align: top; }
th {
  font-size: 11px;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
  white-space: nowrap;
}
td.n, th.n { text-align: right; font-family: var(--font-mono); white-space: nowrap; }
td .share { display: inline-block; height: 8px; border-radius: 4px; background: var(--accent-bar); vertical-align: middle; margin-right: 6px; }
td .sharev { font-family: var(--font-mono); font-size: 12px; color: var(--muted); }
tr.total td { font-weight: 600; border-bottom: none; border-top: 2px solid var(--line); }
tr.muted td { color: var(--muted); }
td .sub { display: block; font-size: 11.5px; color: var(--muted); font-family: var(--font-body); }
.empty { color: var(--muted); padding: 12px 0; }

/* ---------- Chart ---------- */
.chart { width: 100%; height: auto; display: block; }
.chart text { font-family: var(--font-body); font-size: 12px; fill: var(--ink-2); }
.chart .val { font-family: var(--font-mono); fill: var(--ink); }
.chart .bar { fill: var(--accent-bar); }
.chart .bar.is-on { fill: var(--accent); }
.chart .grid { stroke: var(--line-2); stroke-width: 1; }
.chart .axis { stroke: var(--line); stroke-width: 1; }
.chart .pct { fill: var(--muted); }
.chart .lbl.is-on { fill: var(--ink); font-weight: 600; }
.chart .tick { fill: var(--muted); font-size: 11px; }
.chart-note { font-size: 12px; color: var(--muted); margin: 8px 0 0; max-width: 72ch; }

/* ---------- Simulation ---------- */
.sim-controls { display: flex; flex-wrap: wrap; gap: 10px 16px; align-items: center; margin-bottom: 14px; }
.sim-controls .hint { font-size: 12px; color: var(--muted); max-width: 56ch; }
.sim-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; margin-bottom: 14px; }
@media (max-width: 720px) { .sim-grid { grid-template-columns: repeat(2, 1fr); } }
.tile { background: var(--surface-2); border-radius: 8px; padding: 10px 12px; }
.tile .label { font-size: 11px; color: var(--muted); letter-spacing: .05em; text-transform: uppercase; }
.tile .val { font-family: var(--font-mono); font-size: 18px; margin-top: 2px; }
.tile .val.good { color: var(--good); }
.tile .val.bad { color: var(--critical); }
.tile .sub { font-size: 12px; color: var(--muted); }
.sim-empty { color: var(--muted); font-size: 13px; margin: 0; }
.sim-verdict { font-size: 13.5px; margin: 0 0 12px; color: var(--ink-2); max-width: 72ch; }

/* ---------- Footer ---------- */
.foot {
  margin-top: 28px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
  font-size: 13px;
  color: var(--muted);
  max-width: 80ch;
}
.foot p { margin: 0 0 8px; }

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; }
}