@font-face { font-family: "Baloo 2"; font-weight: 700; font-display: swap; src: url(/fonts/baloo2-700.ttf) format("truetype"); }
@font-face { font-family: "Baloo 2"; font-weight: 800; font-display: swap; src: url(/fonts/baloo2-800.ttf) format("truetype"); }
@font-face { font-family: "Public Sans"; font-weight: 500; font-display: swap; src: url(/fonts/publicsans-500.ttf) format("truetype"); }
@font-face { font-family: "Public Sans"; font-weight: 700; font-display: swap; src: url(/fonts/publicsans-700.ttf) format("truetype"); }
@font-face { font-family: "IBM Plex Mono"; font-weight: 500; font-display: swap; src: url(/fonts/plexmono-500.ttf) format("truetype"); }
/* Colors, type and shape follow the LOAF design system tokens. */
:root {
  --bg: #F3F5F1; --card: #FFFFFF; --crumb: #F1E3C6; --line: #D6DDD7; --line-strong: #8FA198;
  --ink: #10291F; --muted: #4F6359; --accent: #1F5A43; --accent-strong: #174634; --accent-ink: #FFFFFF; --accent-soft: #DCEBE3;
  --gold-text: #8A5A14; --gold-soft: #F6E7C8; --high: #B3261E; --medium: #8A5A14; --low: #1F7A4D;
  --high-soft: #FBE4E2; --warn-bg: #F6E7C8; --shadow: 0 1px 2px rgba(16,41,31,.08), 0 4px 12px rgba(16,41,31,.06);
  --display: "Baloo 2", "Arial Rounded MT Bold", system-ui, sans-serif;
  --sans: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Menlo, Consolas, monospace;
  --logo-light: inline; --logo-dark: none;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0D1A15; --card: #13241D; --crumb: #2B2416; --line: #25392F; --line-strong: #4E6559;
    --ink: #E9EFEA; --muted: #9FB2A8; --accent: #6CC29C; --accent-strong: #86D1AF; --accent-ink: #0D1A15; --accent-soft: #173528;
    --gold-text: #E2B25A; --gold-soft: #33270F; --high: #F2867E; --medium: #E8B44A; --low: #6CCB94;
    --high-soft: #3A1512; --warn-bg: #33270F; --shadow: none;
    --logo-light: none; --logo-dark: inline;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0D1A15; --card: #13241D; --crumb: #2B2416; --line: #25392F; --line-strong: #4E6559;
    --ink: #E9EFEA; --muted: #9FB2A8; --accent: #6CC29C; --accent-strong: #86D1AF; --accent-ink: #0D1A15; --accent-soft: #173528;
    --gold-text: #E2B25A; --gold-soft: #33270F; --high: #F2867E; --medium: #E8B44A; --low: #6CCB94;
    --high-soft: #3A1512; --warn-bg: #33270F; --shadow: none;
  --logo-light: none; --logo-dark: inline;
  color-scheme: dark;
}
.brand .logo-dark { display: var(--logo-dark, none); }
.brand .logo-light { display: var(--logo-light, inline); }
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 500 16px/1.5 var(--sans); }
a { color: var(--accent); }
header.site, main, footer.site { width: min(880px, 100% - 32px); margin-inline: auto; }
header.site { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; }
.brand { display: inline-flex; line-height: 0; }
.brand img { height: 36px; width: auto; }
nav.site { display: flex; flex-wrap: wrap; justify-content: flex-end; row-gap: 4px; }
nav.site button.link { margin-left: 18px; }
nav.site a { margin-left: 18px; text-decoration: none; font-weight: 700; }
h1, h2, h3 { font-family: var(--display); }
h1 { font-size: clamp(2rem, 5.5vw, 2.75rem); line-height: 1.1; font-weight: 800; margin: 28px 0 12px; text-wrap: balance; }
h2 { font-size: 1.6rem; line-height: 1.25; font-weight: 700; margin: 36px 0 8px; }
h3 { font-size: 1.25rem; line-height: 1.3; font-weight: 700; margin: 22px 0 6px; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 40em; }
.button, button { display: inline-block; background: var(--accent); color: var(--accent-ink); border: 0; border-radius: 10px; padding: 12px 20px; font: inherit; font-weight: 700; text-decoration: none; cursor: pointer; }
button:hover, .button:hover { background: var(--accent-strong); }
button.link:hover { background: none; }
button:disabled { opacity: .5; cursor: not-allowed; }
button.link { background: none; color: var(--accent); padding: 0; font-weight: 600; text-decoration: underline; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 16px; padding: 24px; }
.grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); margin-top: 16px; }
label { display: block; font-weight: 700; margin: 14px 0 4px; }
input[type=email], input[type=password], input[type=text] { width: 100%; padding: 12px; border: 1px solid var(--line-strong); border-radius: 10px; font: inherit; background: var(--bg); color: var(--ink); }
input:focus-visible, button:focus-visible, a:focus-visible, summary:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.error { color: var(--high); font-weight: 700; }
.panel { max-width: 420px; margin: 40px auto; }
.credits { display: flex; align-items: baseline; gap: 10px; }
.credits strong { font: 500 2.2rem/1 var(--mono); font-variant-numeric: tabular-nums; }
.muted, .meta, .note { color: var(--muted); }
.drop { border: 2px dashed var(--line-strong); border-radius: 12px; padding: 18px; margin: 12px 0; }
.draft { background: var(--warn-bg); border-radius: 8px; padding: 10px 14px; font-weight: 600; }
.flag { border-left: 5px solid var(--line); padding: 6px 0 6px 14px; margin: 12px 0; }
.flag.high { border-color: var(--high); } .flag.medium { border-color: var(--medium); } .flag.low { border-color: var(--low); }
.flag-head { margin: 0; font-weight: 700; }
.badge { text-transform: uppercase; font-size: .72rem; letter-spacing: .06em; padding: 2px 7px; border-radius: 99px; border: 1px solid currentColor; }
.flag.high .badge { color: var(--high); } .flag.medium .badge { color: var(--medium); } .flag.low .badge { color: var(--low); }
.why { margin: 4px 0; }
dl { margin: 0; } .row { display: grid; grid-template-columns: minmax(120px, 1fr) 2fr; gap: 4px 16px; padding: 8px 0; border-bottom: 1px solid var(--line); }
dt { color: var(--muted); } dd { margin: 0; font-family: var(--mono); font-size: .94rem; }
.cite { margin-top: 4px; font-size: .92rem; } .cite summary { cursor: pointer; color: var(--accent); }
.cite.unverified summary { color: var(--medium); font-weight: 700; }
blockquote { margin: 6px 0; padding: 6px 12px; border-left: 3px solid var(--line); color: var(--muted); font-style: italic; }
footer.site { color: var(--muted); font-size: .9rem; padding: 36px 0 28px; }
@media (max-width: 560px) { .row { grid-template-columns: 1fr; } nav.site a { margin-left: 12px; } }
@media print { header.site, footer.site, form, #signout { display: none; } body { background: #fff; color: #000; } }
.files { margin: 8px 0 0; padding-left: 20px; } .files li { margin: 4px 0; }
.files button.link { margin-left: 6px; } .files button.link:disabled { opacity: .4; text-decoration: none; }
.package ul { margin: 4px 0 12px; padding-left: 20px; font-family: var(--mono); font-size: .94rem; }

button.secondary { background: transparent; color: var(--accent); border: 2px solid var(--accent); margin: 0 8px 8px 0; }
.step { color: var(--muted); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; font-size: .8rem; margin: 0 0 4px; }
label.inline { display: flex; align-items: center; gap: 8px; font-weight: 500; margin: 8px 0; }
.steps { padding-left: 20px; } .steps li { margin: 10px 0; }
.qr { background: #fff; display: block; width: fit-content; padding: 10px; border-radius: 12px; border: 1px solid var(--line); margin-top: 8px; }
.qr img { display: block; }
.cant-scan { margin: 12px 0; } .cant-scan summary { cursor: pointer; color: var(--accent); font-weight: 600; }
code { font-family: var(--mono); word-break: break-all; }
[hidden] { display: none !important; }
.note-ok { color: var(--accent); font-weight: 700; }
select { width: 100%; padding: 12px; border: 1px solid var(--line-strong); border-radius: 10px; font: inherit; background: var(--bg); color: var(--ink); }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
nav.site a[aria-current] { font-weight: 800; }
section.card + section.card { margin-top: 20px; }
.table-wrap { overflow-x: auto; }
table.people { width: 100%; border-collapse: collapse; margin: 8px 0 12px; }
table.people th, table.people td { text-align: left; padding: 12px 10px; border-bottom: 1px solid var(--line); vertical-align: middle; }
table.people th { color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; }
table.people td.who { word-break: break-all; }
table.people select { width: auto; padding: 6px 10px; }
.status { font-weight: 700; } .status.off { color: var(--muted); }
form.invite { display: grid; gap: 14px 16px; grid-template-columns: 2fr 1.4fr auto; align-items: end; }
form.invite label { margin-top: 0; }
@media (max-width: 700px) { form.invite { grid-template-columns: 1fr; } }

/* Tool picker and conditions checklist */
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.tools { border: 0; padding: 0; margin: 0 0 16px; display: flex; flex-wrap: wrap; gap: 8px 20px; }
.tools label { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; cursor: pointer; }
.actions { display: flex; gap: 12px; flex-wrap: wrap; }
button.secondary { background: var(--accent-soft); color: var(--accent-strong); border: 1px solid var(--line-strong); }
button.secondary:hover { background: var(--line); }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; padding: 12px 0; border-bottom: 1px solid var(--line); }
.checklist input[type=checkbox] { width: 20px; height: 20px; margin-top: 4px; flex: none; }
.cond { min-width: 0; }
.cond p { margin: 0 0 4px; }
.cond-action { font-weight: 700; }
.cond-meta { color: var(--muted); font-size: .9rem; }
.cond blockquote { margin: 6px 0; padding-left: 12px; border-left: 3px solid var(--line-strong); color: var(--muted); }
.cond-ask { background: var(--gold-soft); border-radius: 8px; padding: 6px 10px; }
@media print { header, nav, .toolnav, .tools, #upload-form, .actions, .credits { display: none !important; } }

/* Cash-out payoff worksheet */
.payoff-table { overflow-x: auto; }
table.tradelines { width: 100%; border-collapse: collapse; }
table.tradelines th, table.tradelines td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--line); vertical-align: top; }
table.tradelines input[type=checkbox] { width: 20px; height: 20px; }
table.tradelines tr.unverified { background: var(--warn-bg); }
input.money { width: 8.5em; padding: 8px; border: 1px solid var(--line-strong); border-radius: 8px; font: 500 1rem var(--mono); background: var(--bg); color: var(--ink); text-align: right; }
.payoff-inputs .grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 12px 20px; }
.payoff-inputs label { display: grid; align-content: start; gap: 4px; font-weight: 700; }
.payoff-inputs input { width: 100%; padding: 10px; border: 1px solid var(--line-strong); border-radius: 8px; font: inherit; background: var(--bg); color: var(--ink); }
.payoff-out .sum { display: flex; justify-content: space-between; gap: 16px; margin: 6px 0; padding-bottom: 6px; border-bottom: 1px solid var(--line); }
.payoff-out .sum strong { font-family: var(--mono); font-variant-numeric: tabular-nums; }
.ranking li.paid { font-weight: 700; } .ranking li.unpaid { color: var(--muted); }

/* Tools menu: tools down the left, the chosen tool opens in the body */
body:has(.workspace:not([hidden])) header.site, body:has(.workspace:not([hidden])) main, body:has(.workspace:not([hidden])) footer.site { width: min(1180px, 100% - 32px); }
.workspace { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: 32px; align-items: start; }
.toolbody { min-width: 0; }
.toolnav { position: sticky; top: 16px; display: grid; gap: 12px; padding-top: 8px; }
.toolnav-toggle { display: none; margin: 0; }
#toolnav-body { display: grid; gap: 12px; }
#tool-search { width: 100%; padding: 10px 12px; border: 1px solid var(--line-strong); border-radius: 10px; font: inherit; background: var(--card); color: var(--ink); }
#toolnav-list { display: grid; gap: 14px; }
#toolnav-list h2 { font: 700 .72rem var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 0 0 4px 10px; }
#toolnav-list ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
#toolnav-list li { display: flex; align-items: center; }
.toolnav-item { flex: 1; text-align: left; background: none; color: var(--ink); border-radius: 8px; padding: 8px 10px; font-weight: 600; }
.toolnav-item:hover, .toolnav-item[aria-current="page"] { background: var(--accent-soft); color: var(--accent-strong); }
.toolnav-item[aria-current="page"] { font-weight: 700; }
button.star { background: none; color: var(--line-strong); padding: 4px 6px; font-size: 1rem; line-height: 1; opacity: 0; }
#toolnav-list li:hover .star, button.star:focus-visible, button.star[aria-pressed="true"] { opacity: 1; }
button.star:hover { background: none; color: var(--gold-text); }
button.star[aria-pressed="true"] { color: var(--gold-text); }
@media (hover: none) { button.star { opacity: 1; } }
@media (max-width: 760px) {
  .workspace { grid-template-columns: minmax(0, 1fr); gap: 12px; }
  .toolnav { position: static; }
  .toolnav-toggle { display: inline-block; justify-self: start; }
}

.eyebrow { margin: 28px 0 0; font-family: var(--display); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-text); }
.eyebrow + h1 { margin-top: 6px; }
.card.tool { display: flex; flex-direction: column; align-items: flex-start; gap: 4px; }
.card.tool h3 { margin: 6px 0 2px; }
.card.tool p { margin: 0; }
.tag { font-size: .8rem; font-weight: 700; padding: 3px 10px; border-radius: 999px; background: var(--gold-soft); color: var(--gold-text); }
.tag.live { background: var(--accent-soft); color: var(--accent); }
.grid.tools { grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); }
.theme-pick { margin-left: 18px; font: 500 14px var(--sans); color: var(--ink); background: var(--card); border: 1px solid var(--line-strong); border-radius: 8px; padding: 4px 8px; }
.usage-controls { display: flex; flex-wrap: wrap; gap: 20px; margin-bottom: 16px; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 16px; }
.stats > div { display: flex; flex-direction: column; }
.stat { font: 800 32px/1.1 var(--display); color: var(--ink); }
.bars { display: flex; align-items: flex-end; gap: 3px; height: 120px; border-bottom: 1px solid var(--line-strong); }
.bar { flex: 1 1 0; min-width: 2px; background: var(--accent); border-radius: 3px 3px 0 0; }
.pdf-export { margin: 0 0 12px; }