:root {
  --color-bg: #f6f7f9;
  --color-surface: #ffffff;
  --color-text: #1f2430;
  --color-muted: #5b6270;
  --color-border: #dde1e7;
  --color-primary: #1c6e5c;
  --color-primary-dark: #14503f;
  --color-accent: #c9622b;
  --color-warning-bg: #fff4e5;
  --color-warning-border: #f0b562;
  font-size: 17px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --color-bg: #171a1f;
    --color-surface: #21252c;
    --color-text: #eef0f3;
    --color-muted: #a7adb8;
    --color-border: #363c46;
    --color-primary: #4fb99e;
    --color-primary-dark: #7fd4bd;
    --color-accent: #e08a52;
    --color-warning-bg: #3a2f1c;
    --color-warning-border: #8a651f;
  }
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.5;
}

.site-header {
  padding: 1.5rem 1rem 1rem;
  text-align: center;
}
.site-header h1 { margin: 0 0 0.25rem; color: var(--color-primary-dark); }
.subtitle { margin: 0; color: var(--color-muted); }

.disclaimer {
  max-width: 820px;
  margin: 0 auto 1.5rem;
  padding: 0.9rem 1.1rem;
  background: var(--color-warning-bg);
  border: 1px solid var(--color-warning-border);
  border-radius: 10px;
  font-size: 0.92rem;
}

.tabs {
  max-width: 820px;
  margin: 0 auto 1.5rem;
  display: flex;
  gap: 0.5rem;
  padding: 0 1rem;
  flex-wrap: wrap;
}
.tab-btn {
  flex: 1 1 auto;
  padding: 0.7rem 1rem;
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  color: var(--color-text);
  border-radius: 10px;
  cursor: pointer;
  font-size: 0.95rem;
}
.tab-btn.active { border-color: var(--color-primary); color: var(--color-primary-dark); font-weight: 600; }
.tab-btn:disabled { cursor: not-allowed; opacity: 0.6; }
.badge {
  display: block;
  font-size: 0.7rem;
  font-weight: 400;
  color: var(--color-muted);
}

main {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 1rem 3rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 14px;
  padding: 1.25rem 1.4rem 1.5rem;
}
.card h2 { margin-top: 0; }

.region-fields {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}
.region-fields label {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  font-size: 0.9rem;
  color: var(--color-muted);
  flex: 1 1 200px;
}
select, input[type="text"], input[type="number"] {
  font-size: 1rem;
  padding: 0.5rem 0.6rem;
  border-radius: 8px;
  border: 1px solid var(--color-border);
  background: var(--color-bg);
  color: var(--color-text);
}
.region-status { margin: 0.75rem 0 0; font-size: 0.9rem; color: var(--color-muted); }

.entry-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 0.75rem;
}
.entry-table th {
  text-align: left;
  font-size: 0.82rem;
  color: var(--color-muted);
  font-weight: 600;
  padding: 0.4rem 0.4rem;
  border-bottom: 1px solid var(--color-border);
}
.entry-table td {
  padding: 0.35rem 0.4rem;
  border-bottom: 1px solid var(--color-border);
}
.entry-table input, .entry-table select { width: 100%; }
.remove-row-btn {
  background: none;
  border: none;
  color: var(--color-accent);
  cursor: pointer;
  font-size: 1.1rem;
  line-height: 1;
  padding: 0.3rem;
}
.empty-state {
  color: var(--color-muted);
  font-style: italic;
  padding: 0.75rem 0;
}

.secondary-btn, .primary-btn {
  font-size: 0.95rem;
  padding: 0.6rem 1.1rem;
  border-radius: 8px;
  cursor: pointer;
  border: 1px solid var(--color-primary);
}
.secondary-btn {
  background: transparent;
  color: var(--color-primary-dark);
}
.primary-btn {
  background: var(--color-primary);
  color: white;
  font-weight: 600;
  margin-top: 1rem;
}

.strategy-settings { margin-top: 1.25rem; display: flex; flex-direction: column; gap: 1rem; }
.strategy-settings > label {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  font-size: 0.9rem;
  color: var(--color-muted);
  max-width: 320px;
}
.strategy-note { font-size: 0.85rem; color: var(--color-muted); margin: 0; }

.results { margin-top: 1.5rem; }
.summary-cards {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.25rem;
}
.summary-card {
  flex: 1 1 160px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 10px;
  padding: 0.9rem 1rem;
}
.summary-card .value { font-size: 1.4rem; font-weight: 700; color: var(--color-primary-dark); }
.summary-card .label { font-size: 0.82rem; color: var(--color-muted); }

.warning-box {
  background: var(--color-warning-bg);
  border: 1px solid var(--color-warning-border);
  border-radius: 10px;
  padding: 0.9rem 1.1rem;
  margin-bottom: 1.25rem;
}

canvas#balance-chart {
  width: 100%;
  max-width: 100%;
  height: 220px;
  margin-bottom: 1.25rem;
}

.payoff-order-list { padding-left: 1.2rem; }
.payoff-order-list li { margin-bottom: 0.4rem; }

.payment-plan {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.phase-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 10px;
  padding: 0.9rem 1.1rem;
}
.phase-card h4 { margin: 0 0 0.15rem; color: var(--color-primary-dark); }
.phase-subtitle { margin: 0 0 0.6rem; font-size: 0.85rem; color: var(--color-muted); }
.phase-payments { list-style: none; margin: 0; padding: 0; }
.phase-payments li {
  display: flex;
  justify-content: space-between;
  font-size: 0.95rem;
  padding: 0.25rem 0;
  border-bottom: 1px solid var(--color-border);
}
.phase-payments li:last-child { border-bottom: none; }
.phase-total {
  margin: 0.5rem 0 0;
  text-align: right;
  font-weight: 700;
  border-top: 1px solid var(--color-border);
  padding-top: 0.4rem;
}

.resource-item {
  border-bottom: 1px solid var(--color-border);
  padding: 0.9rem 0;
}
.resource-item:last-child { border-bottom: none; }
.resource-item h3 { margin: 0 0 0.25rem; font-size: 1rem; }
.resource-item p { margin: 0.15rem 0; font-size: 0.92rem; color: var(--color-muted); }
.resource-item a { color: var(--color-primary-dark); }

.budget-summary, .adhoc-summary-box {
  margin-top: 1rem;
  padding: 0.9rem 1.1rem;
  border-radius: 10px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
}
.budget-line {
  display: flex;
  justify-content: space-between;
  font-size: 0.92rem;
  padding: 0.15rem 0;
}
.budget-line.total {
  border-top: 1px solid var(--color-border);
  margin-top: 0.4rem;
  padding-top: 0.5rem;
  font-weight: 700;
}
.budget-line.negative { color: var(--color-accent); }
.budget-summary button {
  margin-top: 0.75rem;
}

.adhoc-card { border-color: var(--color-warning-border); }
.adhoc-summary-box {
  margin-top: 0;
  border-color: var(--color-warning-border);
  background: var(--color-warning-bg);
}
.adhoc-summary-box .urgency-reason { color: inherit; opacity: 0.85; }

.suggestion-note {
  font-size: 0.85rem;
  color: var(--color-muted);
  margin: 0.3rem 0 0;
}
.suggestion-note button {
  font-size: 0.85rem;
  padding: 0.2rem 0.6rem;
  border-radius: 6px;
  border: 1px solid var(--color-primary);
  background: transparent;
  color: var(--color-primary-dark);
  cursor: pointer;
}

.urgency-reason {
  font-size: 0.85rem;
  color: var(--color-muted);
  margin: 0.15rem 0 0.6rem;
}

.urgency-list { display: flex; flex-direction: column; gap: 0.6rem; margin-bottom: 1.5rem; }
.urgency-item {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 10px;
  padding: 0.75rem 1rem;
}
.urgency-item-head { display: flex; justify-content: space-between; align-items: center; gap: 0.75rem; font-weight: 600; }
.urgency-item .urgency-reason { margin-bottom: 0; }
.urgency-badge {
  flex-shrink: 0;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  white-space: nowrap;
}
.urgency-badge.urgency-5 { background: #fbe1e1; color: #9a2a2a; }
.urgency-badge.urgency-4 { background: var(--color-warning-bg); color: #8a5a10; }
.urgency-badge.urgency-2 { background: #e4ecf7; color: #2f5590; }
.urgency-badge.urgency-1 { background: var(--color-border); color: var(--color-muted); }
@media (prefers-color-scheme: dark) {
  .urgency-badge.urgency-5 { background: #4a2323; color: #f3a9a9; }
  .urgency-badge.urgency-4 { background: #3a2f1c; color: #e0b466; }
  .urgency-badge.urgency-2 { background: #22334a; color: #9db8e0; }
}

.site-footer {
  text-align: center;
  color: var(--color-muted);
  font-size: 0.82rem;
  padding: 1rem 1rem 2.5rem;
}

@media (max-width: 480px) {
  :root { font-size: 16px; }
  .debt-table th:nth-child(2), .debt-table td:nth-child(2),
  .debt-table th:nth-child(4), .debt-table td:nth-child(4) { display: none; }
}