/* DQYDJ.ca — Canadian finance tools. Clean, fast, no frameworks. */
:root{
  --ink:#14213d; --ink-soft:#3a4356; --muted:#6b7488;
  --red:#d80621; --red-dark:#a80419;
  --bg:#fbfbfd; --card:#ffffff; --line:#e6e8ef;
  --navy:#0f1b33; --gold:#f4b400;
  --radius:14px; --shadow:0 6px 24px rgba(20,33,61,.08);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:18px;padding:12px 20px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:800;font-size:1.35rem;letter-spacing:.5px}
.brand:hover{text-decoration:none}
.brand img{width:38px;height:38px;border-radius:9px;background:#fff}
.brand small{display:block;font-size:.68rem;font-weight:500;color:#aeb8cf;letter-spacing:1.5px;text-transform:uppercase}
nav.main-nav{margin-left:auto;display:flex;gap:4px;flex-wrap:wrap}
nav.main-nav a{color:#dfe4f0;font-size:.92rem;font-weight:600;padding:8px 12px;border-radius:8px}
nav.main-nav a:hover{background:rgba(255,255,255,.1);text-decoration:none;color:#fff}
.menu-toggle{display:none;background:none;border:1px solid #3a4a6e;color:#fff;border-radius:8px;padding:6px 12px;font-size:1rem;margin-left:auto;cursor:pointer}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1d2f57 60%,#27407a 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero h1{font-size:2.6rem;line-height:1.15;margin:0 0 12px;max-width:640px}
.hero h1 .accent{color:var(--gold)}
.hero p.lede{font-size:1.15rem;color:#c9d3ea;max-width:620px;margin:0 0 28px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 26px;border-radius:10px;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-dark);text-decoration:none;color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:#5b6b93}
.btn-ghost:hover{background:rgba(255,255,255,.08);text-decoration:none;color:#fff}
.hero-stats{display:flex;gap:36px;margin-top:36px;flex-wrap:wrap}
.hero-stats div strong{display:block;font-size:1.6rem;color:var(--gold)}
.hero-stats div span{font-size:.85rem;color:#aeb8cf}

/* Tool grid */
.section{padding:56px 0}
.section h2{font-size:1.9rem;margin:0 0 8px}
.section .sub{color:var(--muted);margin:0 0 28px;max-width:700px}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
.tool-card:hover{transform:translateY(-3px);box-shadow:0 12px 32px rgba(20,33,61,.13)}
.tool-card .icon{font-size:2rem;margin-bottom:10px}
.tool-card h3{margin:0 0 8px;font-size:1.15rem}
.tool-card h3 a{color:var(--ink)}
.tool-card p{color:var(--muted);font-size:.95rem;margin:0 0 14px;flex:1}
.tool-card .tag{align-self:flex-start;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--red);background:#fdeef0;padding:4px 10px;border-radius:20px;margin-bottom:12px}

/* Calculator layout */
.calc-page{padding:40px 0 64px}
.calc-page h1{font-size:2rem;margin:0 0 6px}
.calc-page .lede{color:var(--muted);max-width:720px;margin:0 0 28px}
.calc-grid{display:grid;grid-template-columns:380px 1fr;gap:24px;align-items:start}
@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.panel h2{font-size:1.15rem;margin:0 0 16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--muted);font-size:.82rem;display:block;margin-top:4px}
input[type=text],input[type=number],select{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:9px;font-size:1rem;font-family:var(--font);background:#fff;color:var(--ink)}
input:focus,select:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(216,6,33,.12)}
input[type=range]{width:100%}
.result-hero{background:linear-gradient(135deg,var(--navy),#27407a);color:#fff;border-radius:var(--radius);padding:28px;margin-bottom:20px;text-align:center}
.result-hero .big{font-size:3rem;font-weight:800;color:var(--gold);line-height:1.1}
.result-hero .caption{color:#c9d3ea;font-size:.95rem}
.stat-table{width:100%;border-collapse:collapse;font-size:.95rem;margin-top:8px}
.stat-table th,.stat-table td{padding:10px 12px;text-align:right;border-bottom:1px solid var(--line)}
.stat-table th:first-child,.stat-table td:first-child{text-align:left}
.stat-table th{background:#f4f6fa;font-weight:700}
.stat-table tr.highlight td{background:#fff8e6;font-weight:700}
.bar-row{display:grid;grid-template-columns:110px 1fr 90px;gap:10px;align-items:center;margin:8px 0;font-size:.9rem}
.bar-track{background:#eef0f6;border-radius:6px;height:14px;overflow:hidden}
.bar-fill{background:linear-gradient(90deg,var(--red),#f25c6a);height:100%;border-radius:6px}
.method{background:#f4f6fa;border-radius:var(--radius);padding:22px;margin-top:32px;font-size:.92rem;color:var(--ink-soft)}
.method h3{margin-top:0;font-size:1.05rem}
.sources{font-size:.82rem;color:var(--muted);margin-top:24px;border-top:1px solid var(--line);padding-top:14px}

/* Footer */
.site-footer{background:var(--navy);color:#aeb8cf;padding:44px 0 28px;margin-top:40px;font-size:.9rem}
.site-footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
@media(max-width:760px){.site-footer .wrap{grid-template-columns:1fr}}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:.95rem}
.site-footer a{color:#c9d3ea}
.site-footer .fine{grid-column:1/-1;border-top:1px solid #2a3a5e;padding-top:18px;font-size:.8rem;color:#7e8aa5}
.disclaimer{background:#fff3cd;border:1px solid #ffe08a;border-radius:10px;padding:14px 18px;font-size:.86rem;color:#6b5518;margin:28px 0}

@media(max-width:700px){
  nav.main-nav{display:none;width:100%;flex-direction:column;background:var(--navy);padding:8px 0}
  nav.main-nav.open{display:flex}
  .menu-toggle{display:block}
  .hero h1{font-size:2rem}
  .result-hero .big{font-size:2.2rem}
}