/* toplaenud.ee — mobile-first, system fonts, zero external assets */
:root {
  --bg:#fff; --bg2:#f2f5fa; --text:#152238; --muted:#5a6b82; --accent:#1b54c4; --accent2:#123f97;
  --border:#dde3ec; --ok:#12855a; --warn:#b97a08; --bad:#c0392b; --star:#f5a623; --radius:12px; --maxw:48rem;
}
@media (prefers-color-scheme: dark){:root{--bg:#0f1622;--bg2:#172234;--text:#e6edf6;--muted:#9fb0c6;--border:#28374f;--accent:#5b8def;--accent2:#8fb4ff;}}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1rem}
a{color:var(--accent)}
h1{font-size:1.55rem;line-height:1.25;margin:.9rem 0 .35rem}
h2{font-size:1.25rem;margin:1.8rem 0 .5rem}
h3{font-size:1.05rem;margin:1.2rem 0 .4rem}
p,li{max-width:65ch}
.lead{color:var(--muted);margin-top:0}
header.site{border-bottom:1px solid var(--border)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:.6rem 1rem}
.logo{font-weight:800;text-decoration:none;color:var(--text);font-size:1.1rem}
.logo span{color:var(--accent)}
nav.tools{display:flex;gap:.5rem;overflow-x:auto;padding:.5rem 1rem .7rem;scrollbar-width:none}
nav.tools::-webkit-scrollbar{display:none}
nav.tools a{white-space:nowrap;font-size:.85rem;text-decoration:none;color:var(--muted);border:1px solid var(--border);padding:.3rem .7rem;border-radius:999px}
nav.tools a[aria-current="page"]{color:var(--accent);border-color:var(--accent);font-weight:600}
.calc{background:var(--bg2);border:1px solid var(--border);border-radius:var(--radius);padding:1rem;margin:1rem 0 1.25rem}
.calc .grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.calc label{display:block;font-size:.8rem;font-weight:600;color:var(--muted);margin-bottom:.25rem}
.calc input,.calc select{width:100%;padding:.7rem .75rem;font-size:1.05rem;color:var(--text);background:var(--bg);border:1px solid var(--border);border-radius:8px;min-height:48px}
.calc input:focus,.calc select:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.full{grid-column:1/-1}
.result{min-height:6rem;margin-top:1rem;padding:1rem;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius)}
.result .big{font-size:2.1rem;font-weight:800;line-height:1.1}
.result .sub{color:var(--muted);font-size:.9rem;margin-top:.35rem}
.result table{width:100%;border-collapse:collapse;margin-top:.5rem;font-size:.95rem}
.result td{padding:.3rem 0;border-bottom:1px solid var(--border)}
.result td:last-child{text-align:right;font-weight:700;font-variant-numeric:tabular-nums}
.result .save{color:var(--ok);font-weight:800}
.actions{display:flex;gap:.5rem;margin-top:.75rem;flex-wrap:wrap}
.actions button{font-size:.85rem;padding:.5rem .9rem;border-radius:999px;border:1px solid var(--border);background:var(--bg);color:var(--muted);cursor:pointer}
article{padding-bottom:2rem}
details{border:1px solid var(--border);border-radius:10px;padding:.7rem .9rem;margin:.5rem 0}
details summary{font-weight:600;cursor:pointer}
table.cmp{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.92rem;display:block;overflow-x:auto}
table.cmp th,table.cmp td{text-align:left;padding:.55rem .5rem;border-bottom:1px solid var(--border);white-space:nowrap}
table.cmp th{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.02em}
table.cmp td.name{font-weight:700}
.stars{color:var(--star);letter-spacing:1px}
.note{background:var(--bg2);border-left:3px solid var(--accent);padding:.6rem .9rem;border-radius:0 8px 8px 0;font-size:.92rem}
.warn-box{background:#fff6e8;border-left:3px solid var(--warn);padding:.6rem .9rem;border-radius:0 8px 8px 0;font-size:.92rem;color:#7a5200}
@media (prefers-color-scheme:dark){.warn-box{background:#2a2413;color:#e8c98a}}
.reviewed{display:flex;gap:.5rem;align-items:center;color:var(--muted);font-size:.85rem;margin:.5rem 0 1rem}
.cta{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:.6rem 1.1rem;border-radius:999px;margin:.3rem 0}
.cta:hover{background:var(--accent2)}
.cards{display:grid;grid-template-columns:1fr;gap:.75rem;padding:0;margin:1rem 0;list-style:none}
.cards a{display:block;text-decoration:none;color:var(--text);border:1px solid var(--border);border-radius:var(--radius);padding:.9rem 1rem}
.cards b{color:var(--accent)}
.cards small{color:var(--muted);display:block;margin-top:.15rem}
.lender-card{border:1px solid var(--border);border-radius:var(--radius);padding:1rem;margin:1rem 0;background:var(--bg2)}
.lender-card .top{display:flex;justify-content:space-between;align-items:baseline;gap:.5rem}
.lender-card .kv{display:grid;grid-template-columns:1fr 1fr;gap:.3rem .8rem;margin:.6rem 0;font-size:.92rem}
.lender-card .kv b{font-variant-numeric:tabular-nums}
footer.site{border-top:1px solid var(--border);margin-top:2rem;padding:1.25rem 0 2rem;color:var(--muted);font-size:.85rem}
footer.site nav{display:flex;flex-wrap:wrap;gap:.75rem;margin-bottom:.75rem}
footer.site a{color:var(--muted)}
.disclaimer{font-size:.8rem}
@media (min-width:640px){h1{font-size:1.95rem}.cards{grid-template-columns:1fr 1fr}.calc .grid{grid-template-columns:1fr 1fr 1fr}.calc .grid.two{grid-template-columns:1fr 1fr}}
@media print{header.site,footer.site,.calc,.cta{display:none}}