/* Korkoriskilaskuri — salven.net. Self-hosted Inter, system monospace. */
@font-face{
  font-family:'Inter';
  font-style:normal;
  font-weight:400 700;
  font-display:swap;
  src:url('fonts/inter-latin.woff2') format('woff2');
}

:root{
  --bg:#0e1116; --panel:#161b22; --panel-2:#1c232d; --line:#2a323d; --line-2:#3a4552;
  --ink:#e8edf2; --ink-2:#9aa7b4; --ink-3:#6b7885;
  --accent:#4ea1ff; --accent-dim:#1d3a5c;
  --warm:#f0a637; --warm-dim:#3a2e12;
  --good:#3fb27f; --good-dim:#123026;
  --bad:#e5533f; --bad-dim:#331612;
  --mono:'SF Mono',ui-monospace,'Cascadia Code',Consolas,monospace;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);line-height:1.6;font-size:15px;-webkit-font-smoothing:antialiased}
.wrap{max-width:1020px;margin:0 auto;padding:0 20px}

/* hero */
header.hero{border-bottom:1px solid var(--line);padding:56px 0 40px;background:
  radial-gradient(120% 100% at 100% 0%, rgba(78,161,255,0.07), transparent 60%);}
.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:0.14em;text-transform:uppercase;color:var(--accent);margin-bottom:18px}
h1{font-size:clamp(30px,5vw,48px);line-height:1.08;font-weight:700;letter-spacing:-0.02em;max-width:16ch}
h1 em{font-style:normal;color:var(--warm)}
.lede{color:var(--ink-2);font-size:17px;max-width:60ch;margin-top:18px}
.hero-figures{display:flex;gap:40px;margin-top:32px;flex-wrap:wrap}
.hf{border-left:2px solid var(--line-2);padding-left:14px}
.hf .n{font-family:var(--mono);font-size:26px;font-weight:600;color:var(--ink);letter-spacing:-0.01em}
.hf .l{font-size:12px;color:var(--ink-3);text-transform:uppercase;letter-spacing:0.08em;margin-top:2px}

/* sections */
section{padding:44px 0;border-bottom:1px solid var(--line)}
.sec-head{display:flex;align-items:baseline;gap:14px;margin-bottom:6px}
.sec-num{font-family:var(--mono);font-size:13px;color:var(--accent);font-weight:600}
h2{font-size:24px;font-weight:650;letter-spacing:-0.01em}
.sec-sub{color:var(--ink-2);max-width:64ch;margin:8px 0 26px;font-size:15px}

/* controls */
.controls{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px;margin-bottom:22px}
.ctl{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:14px 16px}
.ctl label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:0.07em;color:var(--ink-3);margin-bottom:8px}
.ctl input[type=number]{width:100%;background:var(--panel-2);border:1px solid var(--line-2);border-radius:6px;color:var(--ink);
  font-family:var(--mono);font-size:17px;padding:7px 10px;outline:none}
.ctl input[type=number]:focus{border-color:var(--accent)}
.ctl select{width:100%;background:var(--panel-2);border:1px solid var(--line-2);border-radius:6px;
  color:var(--ink);font-family:var(--sans);font-size:14px;padding:7px 10px;outline:none;cursor:pointer}
.ctl select:focus{border-color:var(--accent)}
.cost-row{display:flex;gap:6px}
.cost-row input[type=number]{flex:1;min-width:0}
.cost-row select{width:auto;flex:0 0 auto;font-family:var(--mono);font-size:13px;padding:7px 6px}
.scn-card{background:var(--panel);border:1px solid var(--line);border-left:3px solid var(--accent);
  border-radius:10px;padding:14px 16px;margin-bottom:12px}
.scn-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.scn-label{font-weight:600;font-size:14px}
.scn-del{background:transparent;border:1px solid var(--line-2);border-radius:6px;color:var(--ink-3);
  font-family:var(--sans);font-size:12px;padding:4px 10px;cursor:pointer}
.scn-del:hover{border-color:var(--bad);color:var(--bad)}
.scn-card .controls{margin-bottom:0}

/* situation presets (00) — one-click starting points */
.preset-lead{font-size:13px;color:var(--ink-3);margin:0 0 10px}
.presets{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;margin:0 0 22px}
.preset{display:flex;align-items:center;gap:12px;text-align:left;background:var(--panel);
  border:1px solid var(--line-2);border-radius:10px;padding:12px 14px;cursor:pointer;
  color:var(--ink-2);font-family:inherit;transition:all .12s}
.preset:hover{border-color:var(--accent);color:var(--ink)}
.preset.on{background:var(--accent-dim);border-color:var(--accent);color:var(--ink)}
.preset .pre-ico{font-size:22px;line-height:1;flex:0 0 auto}
.preset .pre-txt{display:flex;flex-direction:column;gap:1px;min-width:0}
.preset .pre-txt b{font-size:14px;color:var(--ink);font-weight:600}
.preset .pre-txt i{font-style:normal;font-size:12px;color:var(--ink-3)}

/* comparison table */
.cmp-wrap{overflow-x:auto;margin-bottom:18px}
.cmp-table{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
.cmp-table th,.cmp-table td{text-align:right;padding:9px 12px;border-bottom:1px solid var(--line)}
.cmp-table th:first-child,.cmp-table td:first-child{text-align:left;white-space:nowrap}
.cmp-table th{color:var(--ink-3);font-size:11px;text-transform:uppercase;letter-spacing:0.05em;font-weight:600}
.cmp-table td{font-family:var(--mono);color:var(--ink)}
.cmp-table td:first-child{font-family:var(--sans);color:var(--ink-2)}
.cmp-table td.neg{color:#ff8b76}
/* traffic light in the housing-cost-share cell */
.tl{display:inline-flex;align-items:center;gap:6px;justify-content:flex-end}
.tl-dot{width:9px;height:9px;border-radius:50%;background:var(--ink-3);flex:0 0 auto}
.tl.green{color:#5fd3a0}.tl.green .tl-dot{background:#34a86e}
.tl.yellow{color:#f0c060}.tl.yellow .tl-dot{background:#f0a637}
.tl.red{color:#ff8b76}.tl.red .tl-dot{background:#e85a5a}
.scn-dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:7px;vertical-align:middle}
.tag{font-size:10px;background:var(--panel-2);border:1px solid var(--line-2);border-radius:4px;padding:1px 5px;color:var(--ink-3);font-family:var(--sans);margin-left:5px;vertical-align:middle;text-transform:none;letter-spacing:0}
.cmp-table tr.capped-row td{color:#5fd3a0;font-size:13px;border-bottom-style:dashed}
.cmp-table tr.capped-row td:first-child{font-style:italic}

/* summary cards */
.summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.summary-card{background:var(--panel);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:10px;padding:14px 16px}
.summary-card .sc-name{font-weight:600;font-size:13px;margin-bottom:8px}
.summary-card .sc-row{display:flex;justify-content:space-between;align-items:baseline;gap:10px;padding:6px 0;font-size:13px;color:var(--ink-2);border-bottom:1px solid var(--line)}
.summary-card .sc-row:last-child{border-bottom:0}
.summary-card .sc-row b{font-family:var(--mono);font-size:15px;color:var(--ink)}

/* per-scenario chart visibility toggles */
.scn-toggles{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-top:12px}
.scn-toggles .tog-label{font-size:12.5px;color:var(--ink-3);margin-right:2px}
.chip.scn-tog{opacity:0.45}
.chip.scn-tog.on{opacity:1;color:var(--ink)}

/* app teaser CTA */
#app-cta{padding:44px 0;border-bottom:1px solid var(--line)}
.cta-card{background:radial-gradient(120% 120% at 0% 0%, rgba(78,161,255,0.10), transparent 60%),var(--panel);
  border:1px solid var(--line-2);border-radius:14px;padding:26px 28px}
.cta-status{font-family:var(--mono);font-size:12.5px;color:var(--accent);margin-bottom:14px}
.cta-card h3{font-size:21px;font-weight:650;letter-spacing:-0.01em;margin-bottom:10px}
.cta-card p{color:var(--ink-2);max-width:62ch;margin-bottom:10px}
.cta-card ul{color:var(--ink-2);margin:0 0 14px 18px;max-width:62ch}
.cta-card li{margin-bottom:5px}
.cta-card .cta-lead{color:var(--ink)}
.cta-btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px}
.cta-btn{background:var(--panel-2);border:1px solid var(--line-2);border-radius:8px;padding:9px 16px;font-size:13px;color:var(--ink-3)}
.cta-btn.disabled{opacity:0.7;cursor:default}

/* traffic-light risk verdict */
.verdict{display:flex;align-items:flex-start;gap:10px;padding:13px 16px;border-radius:10px;margin:6px 0 16px;
  font-size:14px;line-height:1.45;background:var(--panel-2);border:1px solid var(--line-2);color:var(--ink-2)}
.verdict .v-dot{flex:0 0 auto;width:11px;height:11px;border-radius:50%;margin-top:4px;background:var(--ink-3)}
.verdict.green{background:rgba(52,168,110,0.10);border-color:rgba(52,168,110,0.35)}
.verdict.green .v-dot{background:#34a86e}
.verdict.yellow{background:rgba(240,166,55,0.10);border-color:rgba(240,166,55,0.38)}
.verdict.yellow .v-dot{background:#f0a637}
.verdict.red{background:rgba(232,90,90,0.10);border-color:rgba(232,90,90,0.40)}
.verdict.red .v-dot{background:#e85a5a}
.verdict b{color:var(--ink)}
.hero-note{margin-top:12px;font-size:12px;color:var(--ink-3);opacity:0.9}
.hf .n.neg{color:#e85a5a}
.hf-sub{font-family:var(--mono);font-size:11.5px;color:var(--ink-3);margin-top:3px}

/* hero income split bar */
.hero-split{margin-top:20px;max-width:520px}
.hs-bar{display:flex;height:22px;border-radius:6px;overflow:hidden;background:var(--panel-2);border:1px solid var(--line-2)}
.hs-seg{height:100%}
.hs-seg.era{background:#4ea1ff}
.hs-seg.muut{background:#f0a637}
.hs-seg.left{background:#34a86e}
.hs-leg{display:flex;flex-wrap:wrap;gap:14px;margin-top:9px;font-size:12.5px;color:var(--ink-2)}
.hs-leg i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:5px;vertical-align:middle}
.hs-leg i.era{background:#4ea1ff}
.hs-leg i.muut{background:#f0a637}
.hs-leg i.left{background:#34a86e}
.hs-leg .neg{color:#e85a5a}
.hs-block{margin-bottom:16px}
.hs-block:last-child{margin-bottom:0}
.hs-label{font-size:12px;color:var(--ink-3);margin-bottom:6px}

/* hero A/B/C loan picker */
.hero-scn{display:flex;gap:8px;margin-top:22px;flex-wrap:wrap}
.hscn{background:transparent;border:1px solid var(--line-2);border-radius:7px;padding:5px 13px;font-size:13px;
  color:var(--ink-2);cursor:pointer;font-family:inherit}
.hscn.on{color:#0b0f14;font-weight:600}

/* reverse stress test, per loan */
.rev-wrap{margin:6px 0 14px}
.rev-title{font-size:12.5px;color:var(--ink-3);margin-bottom:8px}
.rev-note{font-size:12.5px;color:var(--ink-2);margin-bottom:8px}
.rev-row{display:flex;align-items:flex-start;gap:9px;padding:9px 13px;border-radius:9px;margin-bottom:6px;
  font-size:13.5px;line-height:1.4;background:var(--panel-2);border:1px solid var(--line-2);color:var(--ink-2)}
.rev-row .v-dot{flex:0 0 auto;width:10px;height:10px;border-radius:50%;margin-top:4px;background:var(--ink-3)}
.rev-row.green{background:rgba(52,168,110,0.09);border-color:rgba(52,168,110,0.32)}
.rev-row.green .v-dot{background:#34a86e}
.rev-row.yellow{background:rgba(240,166,55,0.09);border-color:rgba(240,166,55,0.35)}
.rev-row.yellow .v-dot{background:#f0a637}
.rev-row.red{background:rgba(232,90,90,0.09);border-color:rgba(232,90,90,0.38)}
.rev-row.red .v-dot{background:#e85a5a}
.rev-row b{color:var(--ink)}
.seg{display:flex;gap:8px;flex-wrap:wrap;align-items:center;margin-bottom:22px;font-size:14px;color:var(--ink-2)}
.seg .btn,.chip{background:var(--panel);border:1px solid var(--line-2);border-radius:7px;color:var(--ink-2);
  font-family:var(--sans);font-size:13.5px;padding:6px 13px;cursor:pointer;transition:all .12s}
.seg .btn:hover,.chip:hover{border-color:var(--accent);color:var(--ink)}
.seg .btn.on{background:var(--accent-dim);border-color:var(--accent);color:var(--ink)}
.radio{display:inline-flex;gap:6px;align-items:center;cursor:pointer}
.radio input{accent-color:var(--accent)}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.chip.on{background:var(--warm-dim);border-color:var(--warm);color:var(--ink)}
.btn:focus-visible,.chip:focus-visible,input:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

/* korkokatto control */
.capbar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:16px;font-size:14px;color:var(--ink-2)}
.capbar input[type=checkbox]{accent-color:var(--accent);width:16px;height:16px}
.capbar input[type=number]{width:70px;background:var(--panel-2);border:1px solid var(--line-2);border-radius:6px;
  color:var(--ink);font-family:var(--mono);font-size:14px;padding:5px 8px;outline:none}
.capbar input[type=number]:focus{border-color:var(--accent)}
.capbar .caphint{color:var(--ink-3);font-size:12.5px}

/* active history period + capped comparison values */
.period{font-size:13.5px;color:var(--ink-2);margin:2px 0 16px}
.period b{color:var(--ink);font-family:var(--mono);font-weight:600}
.stat .statcap{font-family:var(--mono);font-size:12.5px;color:#5fd3a0;margin-top:5px;min-height:1.1em;line-height:1.1}
.stat .statcap:empty{display:none}

/* stat grid */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:0 0 18px}
.stat{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:15px 16px}
.stat.hi{background:var(--bad-dim);border-color:#5a2419}
.stat.hg{background:var(--good-dim);border-color:#1c4736}
.stat .l{font-size:11px;text-transform:uppercase;letter-spacing:0.06em;color:var(--ink-3);margin-bottom:7px}
.stat .v{font-family:var(--mono);font-size:22px;font-weight:600;letter-spacing:-0.01em}
.stat.hi .v{color:#ff8b76}
.stat.hg .v{color:#5fd3a0}

/* slider */
.slider-row{display:flex;align-items:center;gap:16px;margin-bottom:20px}
.slider-row label{font-size:13px;color:var(--ink-2);min-width:74px}
input[type=range]{flex:1;-webkit-appearance:none;appearance:none;height:4px;border-radius:2px;
  background:var(--line-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;
  background:var(--accent);cursor:pointer;border:3px solid var(--bg)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--accent);cursor:pointer;border:3px solid var(--bg)}
.slider-val{font-family:var(--mono);font-size:16px;font-weight:600;min-width:58px;text-align:right}

.callout{border-radius:10px;padding:14px 18px;margin-bottom:8px;font-size:14.5px;line-height:1.55}
.callout.good{background:var(--good-dim);border:1px solid #1c4736;color:#bfe8d5}
.callout.bad{background:var(--bad-dim);border:1px solid #5a2419;color:#f2c0b6}
.callout.neutral{background:var(--panel);border:1px solid var(--line);color:var(--ink-2)}
.callout b{color:var(--ink)}

.chart-label{font-size:12px;text-transform:uppercase;letter-spacing:0.06em;color:var(--ink-3);margin:18px 0 8px}
.chart-box{position:relative;width:100%;background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:14px}
.legend{display:flex;flex-wrap:wrap;gap:16px;margin-bottom:6px;font-size:12px;color:var(--ink-2)}
.legend span{display:flex;align-items:center;gap:6px}
.legend i{width:14px;height:3px;display:inline-block;border-radius:1px}

.era-note{font-family:var(--mono);font-size:12px;color:var(--warm);background:var(--warm-dim);
  border:1px solid #4a3a17;border-radius:8px;padding:10px 14px;margin-bottom:18px;line-height:1.5}

/* reserved ad slots — inert until AdSense is enabled (see README) */
.ad-slot{min-height:90px;margin:26px 0;border:1px dashed var(--line-2);border-radius:10px;
  display:flex;align-items:center;justify-content:center;color:var(--ink-3);font-size:11px;
  text-transform:uppercase;letter-spacing:0.08em;background:var(--panel)}
.ad-slot[data-live="1"]{border:0;background:transparent;min-height:0}

footer{padding:36px 0 60px;color:var(--ink-3);font-size:12.5px;line-height:1.65}
footer a{color:var(--accent);text-decoration:none}
footer a:hover{text-decoration:underline}
.disclaim{border-top:1px solid var(--line);padding-top:22px;max-width:78ch}

/* consent banner */
.consent{position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--panel-2);
  border-top:1px solid var(--line-2);padding:16px 20px;
  display:flex;gap:16px;align-items:center;flex-wrap:wrap;justify-content:center;
  box-shadow:0 -8px 30px rgba(0,0,0,0.35)}
/* .consent sets display:flex, which overrides the UA [hidden] rule — restore it
   so el.hidden = true actually hides the banner (dismiss + returning visitor). */
.consent[hidden]{display:none}
.consent p{color:var(--ink-2);font-size:13.5px;max-width:60ch;margin:0}
.consent a{color:var(--accent);text-decoration:none}
.consent .cbtns{display:flex;gap:10px}
.consent button{font-family:var(--sans);font-size:13.5px;padding:8px 18px;border-radius:7px;cursor:pointer;border:1px solid var(--line-2)}
.consent button.pri{background:var(--accent);border-color:var(--accent);color:#04121f;font-weight:600}
.consent button.sec{background:transparent;color:var(--ink-2)}
.consent button:hover{filter:brightness(1.08)}

@media (max-width:600px){
  header.hero{padding:40px 0 30px}
  .hero-figures{gap:24px}
  section{padding:34px 0}
  /* tighter consent banner so it doesn't eat the mobile viewport */
  .consent{padding:10px 14px;gap:8px}
  .consent p{font-size:12.5px}
  .consent .cbtns{width:100%;justify-content:center}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}