.hero,
.page,
.explainer {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}

.hero {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr;
  gap: 24px;
  padding-top: 24px;
  padding-bottom: 18px;
}

.hero-copy,
.hero-card,
.panel,
.explainer {
  background:
    radial-gradient(circle at top right, rgba(16, 185, 129, 0.12), transparent 32%),
    linear-gradient(180deg, rgba(255,255,255,0.96), rgba(243,248,252,0.98));
  border: 1px solid rgba(148, 163, 184, 0.28);
  border-radius: 24px;
  box-shadow: 0 24px 60px rgba(15, 23, 42, 0.08);
}

.hero-copy {
  padding: 28px;
}

.eyebrow {
  margin: 0 0 10px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 12px;
  color: #0f766e;
}

.hero h1 {
  margin: 0;
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 0.95;
}

.tagline {
  font-size: 1.05rem;
  line-height: 1.6;
  max-width: 38rem;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.hero-points span,
.hero-card strong {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
}

.hero-points span {
  padding: 9px 12px;
  background: rgba(255,255,255,0.7);
  border: 1px solid rgba(148, 163, 184, 0.25);
  border-radius: 999px;
}

.hero-card {
  padding: 24px;
  align-self: start;
}

.hero-card ul {
  margin: 14px 0 0;
  padding-left: 18px;
  line-height: 1.8;
}

.page {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 18px;
}

.input-panel,
.schedule-panel,
.comparison-panel {
  grid-column: span 2;
}

.panel,
.explainer {
  padding: 24px;
}

.panel-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: start;
  margin-bottom: 16px;
}

.controls,
.debt-list {
  display: grid;
  gap: 12px;
}

.controls {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-bottom: 16px;
}

.debt-row {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr) auto;
  gap: 12px;
  padding: 14px;
  border: 1px solid rgba(148, 163, 184, 0.22);
  border-radius: 18px;
  background: rgba(255,255,255,0.72);
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.field span,
.muted,
.status {
  color: var(--fg-mute);
  font-size: 0.93rem;
}

input,
select,
button {
  font: inherit;
}

input,
select {
  min-height: 46px;
  border-radius: 14px;
  border: 1px solid rgba(148, 163, 184, 0.32);
  padding: 0 14px;
  background: white;
}

input:focus,
select:focus {
  outline: 2px solid rgba(16, 185, 129, 0.28);
  border-color: #10b981;
}

.actions {
  display: flex;
  gap: 12px;
  margin-top: 18px;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 14px;
  margin: 0;
}

.summary-grid div {
  padding: 16px;
  border-radius: 18px;
  background: rgba(255,255,255,0.8);
  border: 1px solid rgba(148, 163, 184, 0.2);
}

.summary-grid dt {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--fg-mute);
}

.summary-grid dd {
  margin: 10px 0 0;
  font-size: 1.25rem;
  font-weight: 700;
}

.table-wrap {
  overflow-x: auto;
  border-radius: 18px;
  border: 1px solid rgba(148, 163, 184, 0.22);
  background: rgba(255,255,255,0.82);
}

table {
  width: 100%;
  border-collapse: collapse;
}

th,
td {
  padding: 12px 14px;
  border-bottom: 1px solid rgba(148, 163, 184, 0.18);
  text-align: left;
}

th {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.num {
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.explainer {
  margin-top: 18px;
  margin-bottom: 18px;
}

.ad-slot {
  min-height: 72px;
}

@media (max-width: 900px) {
  .hero,
  .page {
    grid-template-columns: 1fr;
  }

  .input-panel,
  .schedule-panel,
  .comparison-panel {
    grid-column: auto;
  }

  .controls,
  .debt-row {
    grid-template-columns: 1fr;
  }

  .panel-head,
  .actions {
    flex-direction: column;
  }
}