/* Calcova — shared styles. Clean, trustworthy fintech look. */
:root{
  --bg:#f6f8fb; --card:#ffffff; --ink:#0f1b2d; --mut:#5b6b80; --line:#e4e9f0;
  --accent:#1f6feb; --accent2:#0aa97a; --accentink:#0a4bbf;
  --warn:#d97706; --shadow:0 1px 2px rgba(16,30,54,.06),0 8px 24px rgba(16,30,54,.06);
  --radius:14px; --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.6 -apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  -webkit-font-smoothing:antialiased;
  min-height:100vh;display:flex;flex-direction:column}
main{flex:1 0 auto}    /* grow to fill viewport so the footer stays at the bottom */
.crumb{max-width:var(--maxw);margin:0 auto;padding:14px 20px 0}
.crumb a{color:var(--mut);font-weight:600;font-size:14px}
.crumb a:hover{color:var(--accentink);text-decoration:none}
a{color:var(--accentink);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}

/* Content + desktop ad rail. .layout centers a flexible content column beside a
   sticky sidebar that only appears on wide screens (fills the empty gutters). */
.layout{flex:1 0 auto;display:flex;gap:30px;align-items:flex-start;max-width:var(--maxw);margin:0 auto;padding:0 20px;width:100%}
.layout > main{flex:1 1 auto;min-width:0;max-width:none;margin:0;padding:0}
.rail{flex:0 0 300px}
.rail .ad-sky{min-height:600px;position:sticky;top:80px;margin:0}
@media(max-width:1080px){ .rail{display:none} }

/* Header */
.site-head{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;height:62px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;letter-spacing:-.4px;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand .dot{width:26px;height:26px;border-radius:8px;background:linear-gradient(135deg,var(--accent),var(--accent2));
  display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:15px}
.nav a{color:var(--mut);font-weight:600;font-size:14px;margin-left:18px}
.nav a:hover{color:var(--ink);text-decoration:none}

/* Hero */
.hero{padding:40px 0 8px}
.hero h1{font-size:30px;line-height:1.2;letter-spacing:-.6px;margin:0 0 8px}
.hero p{color:var(--mut);font-size:17px;max-width:680px;margin:0}
.badge{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;
  color:var(--accentink);background:rgba(31,111,235,.09);border:1px solid rgba(31,111,235,.18);
  padding:4px 10px;border-radius:30px;margin-bottom:14px}

/* Layout */
.grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:26px 0}
@media(max-width:820px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:22px 24px}
.card h2{font-size:18px;margin:0 0 16px;letter-spacing:-.3px}

/* Form */
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--mut);margin-bottom:6px}
.field .hint{font-weight:400;color:#90a0b5}
.inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:#fff;
  padding:0 12px;transition:border .15s,box-shadow .15s}
.inp:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px rgba(31,111,235,.12)}
.inp .pre{color:var(--mut);font-weight:600}
.inp input,.inp select{border:0;outline:0;width:100%;padding:12px 8px;font-size:16px;background:transparent;color:var(--ink)}
select{cursor:pointer}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:72px;padding:9px 6px;border:1px solid var(--line);background:#fff;border-radius:9px;
  font-size:13px;font-weight:600;color:var(--mut);cursor:pointer;transition:.12s}
.seg button.on{border-color:var(--accent);background:rgba(31,111,235,.07);color:var(--accentink)}
.seg button:hover{border-color:var(--accent)}

/* Result */
.net{text-align:center;padding:6px 0 14px;border-bottom:1px dashed var(--line);margin-bottom:16px}
.net .lbl{font-size:13px;color:var(--mut);font-weight:600;text-transform:uppercase;letter-spacing:.5px}
.net .big{font-size:40px;font-weight:800;letter-spacing:-1px;color:var(--ink);margin:2px 0}
.net .per{font-size:14px;color:var(--mut)}
.net .accent{color:var(--accent2)}

.bar{height:14px;border-radius:8px;overflow:hidden;display:flex;margin:14px 0 6px;border:1px solid var(--line)}
.bar i{display:block;height:100%}
.bar .s-net{background:var(--accent2)}
.bar .s-fed{background:var(--accent)}
.bar .s-prov{background:#7c5cff}
.bar .s-cpp{background:#f0a020}
.bar .s-ei{background:#e0556e}
.legend{display:flex;flex-wrap:wrap;gap:12px;font-size:12.5px;color:var(--mut);margin-bottom:6px}
.legend span{display:inline-flex;align-items:center;gap:6px}
.legend i{width:10px;height:10px;border-radius:3px;display:inline-block}

table.brk{width:100%;border-collapse:collapse;margin-top:8px;font-size:14.5px}
table.brk td{padding:9px 2px;border-bottom:1px solid var(--line)}
table.brk td:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
table.brk tr.total td{border-top:2px solid var(--ink);border-bottom:none;font-weight:800;font-size:15.5px;padding-top:11px}
table.brk tr.sub td{color:var(--mut);font-size:13px;padding:5px 2px 5px 18px;border-bottom:none}
.rates{display:flex;gap:12px;margin-top:14px}
.rates div{flex:1;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:10px 12px;text-align:center}
.rates b{display:block;font-size:20px;letter-spacing:-.5px}
.rates span{font-size:12px;color:var(--mut)}

/* Content / SEO */
.content{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:28px 30px;margin:24px 0}
.content h2{font-size:22px;letter-spacing:-.4px;margin:26px 0 8px}
.content h2:first-child{margin-top:0}
.content h3{font-size:17px;margin:20px 0 6px}
.content p{color:#33425a}
.content table{width:100%;border-collapse:collapse;margin:14px 0;font-size:14.5px}
.content table th,.content table td{padding:9px 12px;border:1px solid var(--line);text-align:left}
.content table th{background:var(--bg);font-size:13px}
details{border:1px solid var(--line);border-radius:10px;padding:2px 16px;margin:10px 0;background:#fff}
details summary{cursor:pointer;font-weight:600;padding:12px 0}
details p{margin:0 0 14px}

/* Ad slots */
.ad{display:flex;align-items:center;justify-content:center;min-height:90px;margin:22px 0;
  border:1px dashed var(--line);border-radius:12px;color:#aab6c6;font-size:12px;letter-spacing:.5px;
  text-transform:uppercase;background:repeating-linear-gradient(45deg,#fafbfd,#fafbfd 10px,#f3f6fa 10px,#f3f6fa 20px)}

/* Hub cards */
.prov-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:14px;margin:24px 0}
.prov{display:block;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px;box-shadow:var(--shadow);transition:.14s}
.prov:hover{text-decoration:none;transform:translateY(-2px);border-color:var(--accent)}
.prov b{display:block;font-size:16px;color:var(--ink)}
.prov span{font-size:12.5px;color:var(--mut)}
.prov.soon{opacity:.55;pointer-events:none}
.prov .tag{display:inline-block;margin-top:8px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.4px}
.prov .tag.live{color:var(--accent2)}
.prov .tag.soon{color:var(--mut)}

/* RRSP vs TFSA comparison */
.vs{display:flex;gap:14px;margin-bottom:4px}
.vs-col{flex:1;text-align:center;border:1px solid var(--line);border-radius:12px;padding:15px 10px;background:var(--bg);transition:.15s}
.vs-col.win{border-color:var(--accent2);background:rgba(16,185,129,.08);box-shadow:0 0 0 2px rgba(16,185,129,.18)}
.vs-name{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:var(--mut);font-weight:700}
.vs-col b{display:block;font-size:25px;letter-spacing:-.5px;margin:4px 0}
.vs-sub{font-size:12px;color:var(--mut)}

/* Debt payoff tool */
.debt-head,.debt-row{display:grid;grid-template-columns:1.4fr 1fr .8fr 1fr 26px;gap:8px;align-items:center}
.debt-head{font-size:11px;text-transform:uppercase;letter-spacing:.4px;color:var(--mut);margin-bottom:6px;padding:0 2px}
.debt-row{margin-bottom:8px}
.debt-row .d-name{border:1px solid var(--line);border-radius:9px;padding:9px 10px;font-size:14px;background:#fff;color:var(--ink);outline:none;width:100%}
.debt-row .d-name:focus{border-color:var(--accent)}
.inp.sm{padding:0 8px}
.inp.sm input{padding:9px 4px;font-size:14px}
.inp .suf{color:var(--mut);font-weight:600}
.d-del{border:1px solid var(--line);background:#fff;color:var(--mut);border-radius:8px;width:26px;height:34px;cursor:pointer;font-size:16px;line-height:1}
.d-del:hover{border-color:var(--red);color:var(--red)}
.add-btn{margin-top:4px;border:1px dashed var(--line);background:#fff;color:var(--accentink);border-radius:9px;padding:9px 14px;font-size:13px;font-weight:600;cursor:pointer}
.add-btn:hover{border-color:var(--accent)}
.compare{background:rgba(16,185,129,.08);border:1px solid rgba(16,185,129,.25);border-radius:10px;padding:11px 14px;font-size:14px;margin-top:14px}
.order{font-size:13px;margin-top:8px}
.warn-box{background:rgba(239,68,68,.08);border:1px solid rgba(239,68,68,.25);border-radius:10px;padding:12px 14px;font-size:14px;color:#b42318}
@media(max-width:560px){
  .debt-head{display:none}
  .debt-row{grid-template-columns:1fr 1fr;gap:6px;border:1px solid var(--line);border-radius:10px;padding:10px;position:relative}
  .debt-row .d-name{grid-column:1 / -1}
  .d-del{position:absolute;top:8px;right:8px}
}

footer{border-top:1px solid var(--line);margin-top:40px;background:var(--card);flex-shrink:0}
footer .wrap{padding:24px 20px;color:var(--mut);font-size:13px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.disclaim{font-size:12.5px;color:#90a0b5;margin-top:18px;line-height:1.5}