/* ============================================
   AUTO LOAN CALCULATOR — page-specific styles
   Accent: blue/indigo — Finance category
   Inherits all variables from css/styles.css
   ============================================ */

/* ---- Page wrapper ---- */
.calc-page {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  margin: 0 auto;
  padding: 48px 24px 80px;
  display: grid;
  grid-template-columns: 1fr 480px;
  grid-template-rows: auto auto;
  gap: 48px;
  align-items: start;
}

/* ---- Left column ---- */
.calc-page-info {
  position: static;
}

/* Breadcrumb */
.calc-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-dim);
  margin-bottom: 20px;
  flex-wrap: wrap;
}
.calc-breadcrumb a { color: var(--text-dim); transition: color var(--transition); }
.calc-breadcrumb a:hover { color: var(--accent); }
.calc-breadcrumb i { font-size: 10px; }

/* Category tag — blue for Finance */
.calc-page-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 4px 12px 4px 8px;
  background: var(--blue-dim);
  border: 1px solid rgba(91,156,246,0.22);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}
body.light-theme .calc-page-tag {
  background: var(--accent-dim);
  border-color: rgba(37,99,235,0.2);
  color: var(--accent);
}
.calc-page-tag i { font-size: 13px; }

/* Page title */
.calc-page-title {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(28px, 3.2vw, 46px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -1.5px;
  color: var(--text);
  margin-bottom: 16px;
}
.calc-page-title span { color: var(--blue); }
body.light-theme .calc-page-title span { color: var(--accent); }

/* Description */
.calc-page-desc {
  font-size: 16px;
  line-height: 1.75;
  color: var(--text-muted);
  margin-bottom: 32px;
}

/* Feature pills */
.calc-features {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 40px;
}
.calc-feature-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
}
.calc-feature-pill i { color: var(--accent); font-size: 12px; }

/* Content */
.calc-page-content {
  margin-top: 0;
  min-width: 0;
}

.calc-page-content.fade-up {
  opacity: 1;
  transform: none;
  animation: none;
  transition: none;
  visibility: visible;
}

.content-block { margin-bottom: 40px; }
.content-block h2 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.5px;
  color: var(--text);
  margin-bottom: 14px;
}
.content-block p {
  font-size: 15px;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: 10px;
}
.content-block strong { color: var(--text); font-weight: 600; }

/* Formula box */
.formula-box {
  background: var(--bg-3);
  border: 1px solid var(--border);
  border-left: 3px solid var(--blue);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 16px 0;
}
body.light-theme .formula-box { border-left-color: var(--accent); }
.formula-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--blue);
  margin-bottom: 10px;
}
body.light-theme .formula-title { color: var(--accent); }
.formula-body {
  font-family: 'DM Mono', monospace;
  font-size: 13px;
  line-height: 2;
  color: var(--text-muted);
}
.formula-var { color: var(--blue); font-weight: 700; }
body.light-theme .formula-var { color: var(--accent); }
.formula-note {
  font-size: 12px;
  font-style: italic;
  color: var(--text-dim);
  margin-top: 8px;
  padding-top: 8px;
  border-top: 1px solid var(--border);
}

/* Example box */
.example-box {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--blue);
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 14px;
  line-height: 1.8;
  color: var(--text-muted);
  margin: 14px 0;
}
body.light-theme .example-box { border-left-color: var(--accent); }
.example-box strong { color: var(--text); }

/* Steps */
.steps-list {
  list-style: none;
  counter-reset: steps;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 14px 0;
}
.steps-list li {
  counter-increment: steps;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-muted);
}
.steps-list li::before {
  content: counter(steps);
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--blue-dim);
  border: 1px solid rgba(91,156,246,0.25);
  color: var(--blue);
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}
body.light-theme .steps-list li::before {
  background: var(--accent-dim);
  border-color: rgba(37,99,235,0.2);
  color: var(--accent);
}
.steps-list li strong { color: var(--text); }

/* Factors grid */
.factors-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 18px 0;
}
.factor-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  transition: border-color var(--transition);
}
.factor-card:hover { border-color: var(--border-hover); }
.factor-icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: var(--blue-dim);
  border: 1px solid rgba(91,156,246,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  color: var(--blue);
}
body.light-theme .factor-icon {
  background: var(--accent-dim);
  border-color: rgba(37,99,235,0.18);
  color: var(--accent);
}
.factor-body { display: flex; flex-direction: column; gap: 5px; }
.factor-body strong { font-size: 14px; font-weight: 700; color: var(--text); }
.factor-body span { font-size: 13px; line-height: 1.6; color: var(--text-muted); }

/* Amortization tip card */
.amort-tip-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 18px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid #f59e0b;
  border-radius: var(--radius);
  margin: 16px 0;
  font-size: 14px;
  line-height: 1.75;
  color: var(--text-muted);
}
.amort-tip-card i { color: #f59e0b; font-size: 18px; flex-shrink: 0; margin-top: 2px; }
.amort-tip-card strong { color: var(--text); }

/* FAQ */
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item:hover { border-color: var(--border-hover); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 14px 18px;
  background: transparent;
  border: none;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  text-align: left;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--accent); }
.faq-question i {
  font-size: 12px;
  color: var(--text-dim);
  transition: transform var(--transition), color var(--transition);
  flex-shrink: 0;
}
.faq-item.open .faq-question i { transform: rotate(180deg); color: var(--accent); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  font-size: 14px;
  line-height: 1.75;
  color: var(--text-muted);
  padding: 0 18px;
}
.faq-item.open .faq-answer { max-height: 500px; padding: 0 18px 16px; }

/* People also search chips */
.also-search-grid { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.also-search-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 100px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  transition: background var(--transition), border-color var(--transition), color var(--transition);
  white-space: nowrap;
}
.also-search-chip:hover {
  background: var(--blue-dim);
  border-color: var(--blue);
  color: var(--blue);
}
body.light-theme .also-search-chip:hover {
  background: var(--accent-dim);
  border-color: var(--accent);
  color: var(--accent);
}
.also-search-chip i { font-size: 12px; }

/* ============================================
   CALC CARD (right column)
   ============================================ */
.calc-panel {
  position: sticky;
  top: calc(var(--header-h) + 24px);
}
.calc-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg), 0 0 60px var(--blue-dim);
}

/* Card header (mobile only) */
.calc-card-header {
  padding: 20px 24px 18px;
  background: var(--bg-2);
  border-bottom: 1px solid var(--border);
  display: none;
  align-items: center;
  gap: 12px;
}
@media (max-width: 1024px) { .calc-card-header { display: flex; } }
.calc-card-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--blue-dim);
  border: 1px solid rgba(91,156,246,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--blue); flex-shrink: 0;
}
body.light-theme .calc-card-icon {
  background: var(--accent-dim);
  border-color: rgba(37,99,235,0.2);
  color: var(--accent);
}
.calc-card-header-text h3 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 2px;
}
.calc-card-header-text p { font-size: 12px; color: var(--text-dim); }
.calc-card-body { padding: 24px; }

/* Form elements */
.form-group { margin-bottom: 16px; }
.form-label {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 7px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.form-label i { color: var(--blue); font-size: 12px; }
body.light-theme .form-label i { color: var(--accent); }
.form-optional {
  font-size: 11px; font-weight: 400; color: var(--text-dim);
  margin-left: 4px; text-transform: none; letter-spacing: 0;
}

.form-input {
  width: 100%;
  padding: 10px 14px;
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
  appearance: none;
  -webkit-appearance: none;
}
.form-input:hover { border-color: var(--border-hover); }
.form-input:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-dim);
  background: var(--surface);
}
body.light-theme .form-input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-dim);
}
.form-input.error {
  border-color: var(--pink) !important;
  box-shadow: 0 0 0 3px var(--pink-dim) !important;
}
.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23888' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
  cursor: pointer;
}
.form-divider { height: 1px; background: var(--border); margin: 18px 0; }

/* Input with suffix (%, mo) */
.input-with-suffix { position: relative; }
.input-with-suffix .form-input { padding-right: 44px; }
.input-suffix {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dim);
  pointer-events: none;
}

/* Term quick-pick chips */
.term-quick {
  display: flex;
  gap: 6px;
  margin-bottom: 2px;
  flex-wrap: wrap;
}
.term-chip {
  padding: 5px 11px;
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}
.term-chip:hover {
  background: var(--blue-dim);
  border-color: var(--blue);
  color: var(--blue);
}
body.light-theme .term-chip:hover {
  background: var(--accent-dim);
  border-color: var(--accent);
  color: var(--accent);
}
.term-chip.active {
  background: var(--blue-dim);
  border-color: var(--blue);
  color: var(--blue);
  font-weight: 700;
}
body.light-theme .term-chip.active {
  background: var(--accent-dim);
  border-color: var(--accent);
  color: var(--accent);
}

/* Calculate button */
.calc-btn-primary {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  padding: 14px 20px;
  background: var(--accent);
  color: #0c0f1a;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 16px;
  font-weight: 700;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: opacity var(--transition), transform var(--transition), box-shadow var(--transition);
  position: relative;
  overflow: hidden;
  margin-top: 4px;
}
body.light-theme .calc-btn-primary { color: #fff; }
.calc-btn-primary::after {
  content: ''; position: absolute; inset: 0;
  background: #000; opacity: 0; transition: opacity 0.15s;
}
.calc-btn-primary:hover { box-shadow: 0 4px 20px var(--accent-glow); }
.calc-btn-primary:hover::after { opacity: 0.06; }
.calc-btn-primary:active { transform: scale(0.98); }

/* Error toast */
.calc-error {
  display: flex; align-items: center; gap: 10px;
  padding: 12px 16px;
  background: var(--pink-dim);
  border: 1px solid rgba(251,113,133,0.3);
  border-radius: var(--radius-sm);
  color: var(--pink);
  font-size: 14px; font-weight: 500;
  margin-top: 12px;
  opacity: 0; transform: translateY(-6px);
  transition: opacity 0.3s ease, transform 0.3s ease;
  pointer-events: none;
}
.calc-error.show { opacity: 1; transform: translateY(0); pointer-events: auto; }

/* ============================================
   RESULT CARD
   ============================================ */
.result-card {
  margin-top: 20px;
  background: var(--bg-2);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  display: none;
  opacity: 0;
  transform: translateY(8px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}
.result-card.show { display: block; opacity: 1; transform: translateY(0); }

/* Monthly payment hero */
.result-hero {
  padding: 22px 24px 18px;
  background: linear-gradient(135deg, var(--blue-dim) 0%, transparent 60%);
  border-bottom: 1px solid var(--border);
  text-align: center;
}
body.light-theme .result-hero {
  background: linear-gradient(135deg, var(--accent-dim) 0%, transparent 60%);
}
.result-hero-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-dim);
  margin-bottom: 6px;
}
.result-monthly {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 44px;
  font-weight: 800;
  letter-spacing: -2px;
  color: var(--text);
  line-height: 1.05;
}
.result-hero-sub {
  font-size: 13px;
  color: var(--text-dim);
  margin-top: 6px;
}

/* Stats grid 2×2 */
.loan-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--border);
}
.loan-stat {
  padding: 14px 18px;
  background: var(--surface);
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.loan-stat-label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--text-dim);
}
.loan-stat-value {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.3px;
}
.loan-stat-value.stat-interest { color: var(--pink); }

/* Chart */
.result-chart-wrap {
  padding: 20px 24px;
  background: var(--surface);
  border-top: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.result-chart-wrap canvas { flex-shrink: 0; width: 100px !important; height: 100px !important; }
.chart-legend { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.legend-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-muted);
}
.legend-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.dot-principal { background: var(--blue); }
body.light-theme .dot-principal { background: var(--accent); }
.dot-interest { background: var(--pink); }
.dot-tax { background: #f59e0b; }

/* Scroll to amort button */
.amort-scroll-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  padding: 12px 16px;
  background: transparent;
  border: none;
  border-top: 1px solid var(--border);
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.amort-scroll-btn:hover {
  background: var(--bg-3);
  color: var(--blue);
}
body.light-theme .amort-scroll-btn:hover { color: var(--accent); }
.amort-scroll-btn i { font-size: 12px; }

/* ============================================
   AMORTIZATION SECTION (full width)
   ============================================ */
.amort-section {
  position: relative;
  z-index: 1;
  background: var(--bg-2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin-top: 0;
}
.amort-section.hidden { display: none; }
.amort-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 40px 24px 56px;
}

/* Amort header */
.amort-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.amort-title {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.5px;
  color: var(--text);
  margin-bottom: 4px;
}
.amort-subtitle { font-size: 14px; color: var(--text-dim); }
.amort-controls {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

/* Monthly/Yearly toggle */
.schedule-toggle {
  display: flex;
  background: var(--bg-3);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 3px;
  gap: 2px;
}
.toggle-opt {
  padding: 6px 16px;
  border-radius: 100px;
  border: none;
  background: transparent;
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.toggle-opt.active {
  background: var(--blue);
  color: #fff;
}
body.light-theme .toggle-opt.active { background: var(--accent); }

/* Action buttons */
.amort-actions { display: flex; gap: 8px; flex-wrap: wrap; }
.amort-action-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 14px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition), transform 0.15s;
}
.amort-action-btn:hover {
  background: var(--blue-dim);
  border-color: var(--blue);
  color: var(--blue);
  transform: translateY(-1px);
}
body.light-theme .amort-action-btn:hover {
  background: var(--accent-dim);
  border-color: var(--accent);
  color: var(--accent);
}

/* Table */
.amort-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
}
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  min-width: 560px;
}
.amort-table thead tr {
  background: var(--bg-3);
}
body.light-theme .amort-table thead tr { background: var(--surface-2, #f1f5f9); }
.amort-table th {
  padding: 12px 16px;
  text-align: right;
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-dim);
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
.amort-table th:first-child { text-align: left; }
.amort-table td {
  padding: 10px 16px;
  text-align: right;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
  font-variant-numeric: tabular-nums;
}
.amort-table td:first-child { text-align: left; font-weight: 600; color: var(--text); }
.amort-table tbody tr:last-child td { border-bottom: none; }
.amort-table tbody tr:nth-child(even) { background: var(--bg-2); }
.amort-table .td-principal { color: var(--blue); font-weight: 600; }
body.light-theme .amort-table .td-principal { color: var(--accent); }
.amort-table .td-interest { color: var(--pink); font-weight: 600; }
.amort-table .td-balance { font-family: 'DM Mono', monospace; font-size: 13px; }
.amort-table .row-year {
  background: var(--bg-3) !important;
  font-weight: 700;
  color: var(--text-dim);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.amort-table .row-year td {
  color: var(--text-dim);
  padding: 7px 16px;
  border-bottom: 1px solid var(--border);
}

/* ============================================
   TOPIC CLUSTER
   ============================================ */
.topic-cluster-section {
  position: relative; z-index: 1;
  background: var(--bg-2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.topic-cluster-inner { max-width: 1280px; margin: 0 auto; padding: 56px 24px; }
.topic-cluster-header { max-width: 680px; margin-bottom: 40px; }
.topic-cluster-tag {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 4px 12px 4px 8px;
  background: var(--purple-dim);
  border: 1px solid rgba(167,139,250,0.22);
  border-radius: 100px;
  font-size: 12px; font-weight: 600; color: var(--purple);
  text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px;
}
.topic-cluster-header h2 {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(22px, 2.5vw, 30px);
  font-weight: 800; letter-spacing: -0.8px; color: var(--text); margin-bottom: 12px;
}
.topic-cluster-header p { font-size: 15px; line-height: 1.75; color: var(--text-muted); }
.cluster-grid { display: grid; grid-template-columns: 280px 1fr; gap: 24px; margin-bottom: 40px; align-items: start; }
.cluster-primary {
  background: var(--surface);
  border: 2px solid var(--blue);
  border-radius: var(--radius);
  padding: 22px; position: relative;
}
body.light-theme .cluster-primary { border-color: var(--accent); }
.cluster-primary::before {
  content: ''; position: absolute; inset: 0; border-radius: inherit;
  background: linear-gradient(135deg, var(--blue-dim) 0%, transparent 60%);
  pointer-events: none;
}
body.light-theme .cluster-primary::before { background: linear-gradient(135deg, var(--accent-dim) 0%, transparent 60%); }
.cluster-primary-label {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--blue); margin-bottom: 10px;
}
body.light-theme .cluster-primary-label { color: var(--accent); }
.cluster-primary h3 { font-family: 'Bricolage Grotesque', sans-serif; font-size: 18px; font-weight: 700; color: var(--text); margin-bottom: 8px; position: relative; }
.cluster-primary p { font-size: 13px; line-height: 1.65; color: var(--text-muted); margin-bottom: 14px; position: relative; }
.cluster-keywords { display: flex; flex-wrap: wrap; gap: 6px; position: relative; }
.cluster-keywords span {
  padding: 3px 9px;
  background: var(--blue-dim); border: 1px solid rgba(91,156,246,0.2);
  border-radius: 100px; font-size: 11px; font-weight: 600; color: var(--blue);
}
body.light-theme .cluster-keywords span { background: var(--accent-dim); border-color: rgba(37,99,235,0.2); color: var(--accent); }
.cluster-links { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.cluster-links h3 {
  font-family: 'Bricolage Grotesque', sans-serif; font-size: 14px; font-weight: 700;
  color: var(--text-dim); text-transform: uppercase; letter-spacing: 0.06em;
  padding: 14px 20px; border-bottom: 1px solid var(--border); background: var(--bg-3);
}
.cluster-link-list { display: flex; flex-direction: column; }
.cluster-link-item {
  display: flex; align-items: center; gap: 14px; padding: 14px 20px;
  border-bottom: 1px solid var(--border); transition: background var(--transition);
}
.cluster-link-item:last-child { border-bottom: none; }
.cluster-link-item:hover { background: var(--surface-2, var(--bg-3)); }
.cluster-link-icon {
  flex-shrink: 0; width: 34px; height: 34px; border-radius: 8px;
  background: var(--blue-dim); display: flex; align-items: center; justify-content: center;
  font-size: 15px; color: var(--blue);
}
body.light-theme .cluster-link-icon { background: var(--accent-dim); color: var(--accent); }
.cluster-link-text { flex: 1; display: flex; flex-direction: column; gap: 2px; }
.cluster-link-text strong { font-size: 14px; font-weight: 600; color: var(--text); }
.cluster-link-text span { font-size: 12px; color: var(--text-dim); line-height: 1.4; }
.cluster-link-arrow { color: var(--text-dim); font-size: 12px; transition: transform var(--transition), color var(--transition); }
.cluster-link-item:hover .cluster-link-arrow { transform: translateX(3px); color: var(--blue); }
body.light-theme .cluster-link-item:hover .cluster-link-arrow { color: var(--accent); }
.cluster-link-all { background: var(--bg-2); }
.cluster-link-all .cluster-link-icon { background: var(--purple-dim); color: var(--purple); }
.cluster-crosslinks { padding-top: 32px; border-top: 1px solid var(--border); }
.cluster-crosslinks h3 { font-family: 'Bricolage Grotesque', sans-serif; font-size: 18px; font-weight: 700; letter-spacing: -0.3px; color: var(--text); margin-bottom: 6px; }
.cluster-crosslinks > p { font-size: 14px; color: var(--text-muted); margin-bottom: 20px; }
.crosslink-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.crosslink-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 18px 16px; display: flex; flex-direction: column; gap: 8px;
  transition: border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}
.crosslink-card:hover { border-color: var(--blue); transform: translateY(-3px); box-shadow: var(--shadow); }
body.light-theme .crosslink-card:hover { border-color: var(--accent); }
.crosslink-card i { font-size: 20px; color: var(--blue); }
body.light-theme .crosslink-card i { color: var(--accent); }
.crosslink-card strong { font-family: 'Bricolage Grotesque', sans-serif; font-size: 14px; font-weight: 700; color: var(--text); }
.crosslink-card span { font-size: 12px; line-height: 1.5; color: var(--text-dim); }

/* ============================================
   AD SLOT
   ============================================ */
.ad-slot {
  position: relative; z-index: 1;
  max-width: 1280px; margin: 0 auto; padding: 0 24px 40px;
}
.ad-slot > div { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }

.hidden { display: none !important; }

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
  .calc-page { grid-template-columns: 1fr; padding: 32px 20px 60px; gap: 32px; }
  .calc-page-info { position: static; }
  .calc-panel { position: static; order: 2; }
  .calc-page-content { order: 3; }
  .cluster-grid { grid-template-columns: 1fr; }
  .crosslink-grid { grid-template-columns: 1fr 1fr; }
  .factors-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .calc-page { padding: 24px 16px 48px; gap: 24px; }
  .factors-grid { grid-template-columns: 1fr; }
  .crosslink-grid { grid-template-columns: 1fr; }
  .result-monthly { font-size: 36px; }
  .loan-stats { grid-template-columns: 1fr 1fr; }
  .amort-header { flex-direction: column; gap: 16px; }
  .amort-controls { width: 100%; justify-content: space-between; }
  .topic-cluster-inner { padding: 36px 16px; }
  .calc-features { gap: 6px; }
}

/* Print styles */
@media print {
  .site-header, .mobile-menu, .mobile-menu-overlay, .calc-page-info,
  .calc-panel, .topic-cluster-section, .ad-slot, footer,
  .amort-header .amort-controls { display: none !important; }
  .amort-section { display: block !important; border: none; }
  .amort-inner { padding: 0; }
  .amort-table { font-size: 11px; }
  .amort-table th, .amort-table td { padding: 6px 10px; }
}

@media (min-width: 1025px) {
  .calc-page-info {
    grid-row: 1 / 2;
    grid-column: 1 / 2;
  }
  .calc-page-content {
    grid-row: 2 / 3;
    grid-column: 1 / 2;
  }
  .calc-panel {
    grid-row: 1 / 3;
    grid-column: 2 / 3;
    align-self: start;
    position: sticky;
    top: calc(var(--header-h) + 24px);
  }
}