/* rifinance.xyz — Compound Interest Calculator
   Visual identity: navy + amber, sans-serif headings, sharp corners, centered hero. */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px; line-height: 1.6;
  color: #1c2533; background: #fdfcf7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: #b8860b; text-decoration: none; }
a:hover { color: #0a2540; text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-weight: 800;
  letter-spacing: -.015em;
  color: #0a2540;
  line-height: 1.2;
  margin: 0 0 .55em;
}
h1 { font-size: clamp(2rem, 4vw, 2.8rem); letter-spacing: -.025em; }
h2 { font-size: clamp(1.4rem, 2.4vw, 1.7rem); margin-top: 1.6em; }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }

code, kbd, samp, .mono {
  font-family: "JetBrains Mono", Consolas, "Courier New", monospace;
  font-size: .92em; background: #f4ede0; padding: .1em .4em; border-radius: 3px;
}

:root {
  --navy: #0a2540;
  --navy-light: #1d3557;
  --amber: #d4a017;
  --amber-light: #e8c060;
  --amber-soft: #faf2dc;
  --cream: #fdfcf7;
  --beige: #f4ede0;
  --line: #e3dcc9;
  --text: #1c2533;
  --muted: #5c6a7a;
}

.container { width: min(1080px, 92%); margin: 0 auto; }

/* ---- Header ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--cream);
  border-bottom: 2px solid var(--navy);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: .9rem 0;
}
.brand { display: inline-flex; align-items: center; gap: .65rem; font-weight: 700; line-height: 1.1; }
.brand-mark {
  display: inline-grid; place-items: center;
  width: 36px; height: 36px; border-radius: 4px;
  background: var(--navy); color: #fff;
  font-weight: 800; font-size: .85rem; letter-spacing: -.5px;
  flex-shrink: 0;
  border: 1px solid var(--amber);
}
.brand-text { display: inline-flex; flex-direction: column; gap: 1px; }
.brand-name {
  color: var(--navy); font-size: 1rem; font-weight: 800; letter-spacing: -.02em;
  text-transform: lowercase;
}
.brand-tagline {
  font-size: .72rem; font-weight: 500;
  color: var(--amber); letter-spacing: .04em;
  text-transform: uppercase;
}
@media (max-width: 720px) { .brand-tagline { display: none; } }

.nav { display: flex; flex-wrap: wrap; gap: .25rem .85rem; align-items: center; row-gap: .25rem; }
.nav a {
  font-weight: 600; color: var(--navy); font-size: .85rem;
  padding: .25rem 0; white-space: nowrap;
  text-transform: uppercase; letter-spacing: .03em;
}
.nav a:hover { color: var(--amber); text-decoration: none; }
.nav-toggle {
  display: none; background: transparent; border: 0; padding: .4rem; cursor: pointer;
}
.nav-toggle span {
  display: block; width: 22px; height: 2px; background: var(--navy);
  margin: 5px 0;
}

/* ---- Hero (centered) ---- */
.hero {
  text-align: center;
  padding: 3.5rem 0 2rem;
  background: linear-gradient(180deg, var(--cream) 0%, var(--beige) 100%);
  border-bottom: 1px solid var(--line);
}
.hero-inner { max-width: 760px; margin: 0 auto; }
.eyebrow {
  display: inline-block;
  font-size: .78rem; letter-spacing: .15em; text-transform: uppercase;
  color: var(--amber); font-weight: 700;
  padding: .25rem .8rem; border: 1px solid var(--amber);
  border-radius: 2px;
  margin-bottom: 1.2rem;
}
.lead { font-size: 1.1rem; color: var(--muted); max-width: 60ch; margin: 0 auto 1em; }

/* ---- Tool ---- */
.tool {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 4px solid var(--amber);
  padding: 1.6rem;
  margin: 2rem 0;
  border-radius: 4px;
  box-shadow: 0 4px 12px rgba(10, 37, 64, .06);
}
.tool h2 { margin-top: 0; }
.tool-grid {
  display: grid; gap: 1.2rem;
  grid-template-columns: 1fr 1fr;
}
.field { display: flex; flex-direction: column; gap: .35rem; }
.field label { font-size: .85rem; font-weight: 600; color: var(--navy); }
.field input, .field select {
  font: inherit; padding: .65rem .8rem;
  border: 1px solid var(--line); border-radius: 3px;
  background: var(--cream); color: var(--text);
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--amber);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(212, 160, 23, .2);
}
.field small { color: var(--muted); font-size: .78rem; }

.tool-output {
  margin-top: 1.4rem; padding: 1.2rem;
  background: var(--navy); color: #fff;
  border-radius: 4px;
}
.tool-output h3 { color: var(--amber); margin: 0 0 .6rem; font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; }
.tool-output .big {
  font-size: 2.4rem; font-weight: 800; color: #fff;
  letter-spacing: -.02em; line-height: 1.1;
}
.tool-output .breakdown {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1rem; margin-top: 1.2rem;
  border-top: 1px solid rgba(255,255,255,.15);
  padding-top: 1.2rem;
}
.tool-output .breakdown div span:first-child {
  display: block; font-size: .75rem; color: var(--amber-light);
  text-transform: uppercase; letter-spacing: .08em; margin-bottom: .2rem;
}
.tool-output .breakdown div span:last-child {
  font-size: 1.2rem; font-weight: 700; color: #fff;
}

.privacy-note {
  font-size: .85rem; color: var(--muted);
  border-left: 3px solid var(--amber);
  padding: .5rem .8rem; margin-top: 1rem;
  background: var(--amber-soft);
}

/* ---- Content ---- */
.content { padding: 1rem 0 3rem; }
.content section { margin-bottom: 2rem; }

.author-card {
  display: grid; grid-template-columns: 80px 1fr; gap: 1.2rem;
  align-items: start; padding: 1.4rem;
  background: var(--beige); border-radius: 4px;
  border-left: 4px solid var(--amber);
  margin: 1rem 0;
}
.author-avatar {
  width: 80px; height: 80px; border-radius: 50%;
  background: var(--navy); color: var(--amber);
  font-size: 1.8rem; font-weight: 800;
  display: grid; place-items: center;
  border: 2px solid var(--amber);
}
.author-meta { color: var(--muted); font-size: .9rem; margin: 0 0 .5rem; }
.cred-row { display: flex; flex-wrap: wrap; gap: .35rem; margin-top: .5rem; }
.cred-row span {
  display: inline-block; padding: .15rem .55rem;
  background: #fff; border: 1px solid var(--line);
  border-radius: 2px; font-size: .75rem; color: var(--navy);
  font-weight: 600;
}

/* Reference / data tables */
.ref-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 4px; }
.ref-table { width: 100%; border-collapse: collapse; font-size: .92rem; min-width: 480px; }
.ref-table th, .ref-table td {
  padding: .65rem .85rem; text-align: left;
  border-bottom: 1px solid var(--line);
}
.ref-table thead th {
  background: var(--navy); color: #fff;
  font-weight: 700; text-transform: uppercase; font-size: .8rem; letter-spacing: .05em;
}
.ref-table tbody tr:hover td { background: var(--amber-soft); }

.callout {
  border-left: 3px solid var(--navy);
  background: var(--beige);
  padding: .9rem 1.1rem;
  margin: 1.1rem 0; font-size: .95rem;
}

/* Forms */
.form-card {
  background: #fff; border: 1px solid var(--line);
  border-radius: 4px; padding: 1.6rem;
  margin: 1rem 0 2rem;
  border-top: 4px solid var(--amber);
}
.form-card label { display: grid; gap: .35rem; margin-bottom: 1rem; font-size: .9rem; color: var(--navy); font-weight: 600; }
.form-card input, .form-card textarea, .form-card select {
  font: inherit; padding: .6rem .8rem;
  border: 1px solid var(--line); border-radius: 3px; background: var(--cream);
}
.form-card input:focus, .form-card textarea:focus, .form-card select:focus {
  outline: none; border-color: var(--amber);
  box-shadow: 0 0 0 3px rgba(212, 160, 23, .2); background: #fff;
}
.btn {
  display: inline-block; padding: .6rem 1.2rem;
  font: inherit; font-weight: 700; font-size: .9rem;
  border-radius: 3px; cursor: pointer;
  border: 1px solid var(--navy); background: var(--navy); color: #fff;
  text-transform: uppercase; letter-spacing: .05em;
}
.btn:hover { background: var(--amber); border-color: var(--amber); color: var(--navy); }

/* Footer */
.site-footer {
  background: var(--navy); color: #cfd8e3;
  padding: 2.2rem 0 1.3rem;
}
.site-footer a { color: var(--amber-light); }
.site-footer a:hover { color: #fff; }
.site-footer .brand-mark { background: var(--amber); color: var(--navy); border-color: #fff; }
.site-footer .brand-name { color: #fff; }
.site-footer .brand-tagline { color: var(--amber-light); }
.footer-grid {
  display: grid; gap: 1.6rem;
  grid-template-columns: 2fr 1fr 1fr;
  margin-bottom: 1.4rem;
}
.site-footer h4 {
  color: #fff; font-size: .85rem;
  margin-bottom: .6rem; text-transform: uppercase; letter-spacing: .08em;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: .35rem 0; font-size: .9rem; }
.footer-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: .8rem;
  padding-top: 1.1rem; border-top: 1px solid rgba(255,255,255,.1);
  font-size: .82rem; color: #8395a8;
}

/* Responsive */
@media (max-width: 820px) {
  .tool-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .author-card { grid-template-columns: 1fr; }
  .author-avatar { width: 64px; height: 64px; font-size: 1.4rem; }

  .nav-toggle { display: block; }
  .nav {
    position: absolute; top: 100%; right: 4%; left: 4%;
    background: var(--cream); border: 1px solid var(--line); border-radius: 4px;
    flex-direction: column; align-items: stretch; gap: 0;
    padding: .5rem; box-shadow: 0 4px 12px rgba(10,37,64,.15);
    display: none;
  }
  .nav.open { display: flex; }
  .nav a { padding: .65rem .8rem; }
  .nav a:hover { background: var(--beige); }
}