/* ============================================
   MORTGAGE CALCULATOR — page-specific styles
   Accent: blue — Finance category
   Inherits variables from css/styles.css
   ============================================ */

/* ---- Page wrapper ---- */
.calc-page {
  position: relative; z-index: 1;
  max-width: 1380px; margin: 0 auto;
  padding: 48px 24px 80px;
  display: grid;
  grid-template-columns: 1fr 520px;
  grid-template-rows: auto auto;
  gap: 48px; align-items: start;
}
.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: #60a5fa; }
.calc-breadcrumb i { font-size: 10px; }

/* ---- Category tag ---- */
.calc-page-tag {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 4px 12px 4px 8px;
  background: rgba(96,165,250,0.10); border: 1px solid rgba(96,165,250,0.26);
  border-radius: 100px; font-size: 12px; font-weight: 600; color: #60a5fa;
  text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 18px;
}
body.light-theme .calc-page-tag {
  background: rgba(37,99,235,0.07); border-color: rgba(37,99,235,0.2); color: #2563eb;
}

/* ---- Page title ---- */
.calc-page-title {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: clamp(28px, 3.2vw, 44px); font-weight: 800;
  line-height: 1.1; letter-spacing: -1.5px; color: var(--text); margin-bottom: 16px;
}
.calc-page-title span { color: #60a5fa; }
body.light-theme .calc-page-title span { color: #2563eb; }

.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: #60a5fa; font-size: 12px; }
body.light-theme .calc-feature-pill i { color: #2563eb; }

/* ---- Content blocks ---- */
.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
   ============================================ */
.mort-formula-box {
  background: var(--bg-3); border: 1px solid var(--border);
  border-left: 3px solid #60a5fa; border-radius: var(--radius-sm); overflow: hidden;
}
body.light-theme .mort-formula-box { border-left-color: #2563eb; }
.mort-formula-title {
  display: flex; align-items: center; gap: 8px; padding: 9px 16px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em;
  color: #60a5fa; border-bottom: 1px solid var(--border); background: var(--bg-2);
}
body.light-theme .mort-formula-title { color: #2563eb; }
.mort-formula-body {
  font-family: 'DM Mono', monospace; font-size: 13px; line-height: 2.2;
  color: var(--text-muted); padding: 14px 18px;
}
.mort-formula-body sup { font-size: 9px; vertical-align: super; }
.mort-formula-note {
  padding: 8px 18px 14px; font-size: 12px; color: var(--text-dim); line-height: 1.6;
  border-top: 1px solid var(--border); font-style: italic;
}
.mvar { color: #60a5fa; font-weight: 700; }
body.light-theme .mvar { color: #2563eb; }

/* ============================================
   LTV TIER CARDS
   ============================================ */
.ltv-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 12px; margin-top: 18px;
}
.ltv-card {
  border-radius: var(--radius-sm); padding: 16px 14px;
  display: flex; flex-direction: column; gap: 6px;
  border: 1px solid var(--border);
  transition: transform var(--transition), box-shadow var(--transition);
}
.ltv-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.ltv-card-pct {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 22px; font-weight: 800; letter-spacing: -0.5px;
}
.ltv-card-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; }
.ltv-card-desc  { font-size: 12px; line-height: 1.5; color: var(--text-muted); }

.ltv-good { background: rgba(52,211,153,0.06); border-color: rgba(52,211,153,0.25); }
.ltv-good .ltv-card-pct   { color: #34d399; }
.ltv-good .ltv-card-label { color: #34d399; }
body.light-theme .ltv-good { background: rgba(5,150,105,0.05); border-color: rgba(5,150,105,0.2); }
body.light-theme .ltv-good .ltv-card-pct,
body.light-theme .ltv-good .ltv-card-label { color: #059669; }

.ltv-ok { background: rgba(251,191,36,0.06); border-color: rgba(251,191,36,0.25); }
.ltv-ok .ltv-card-pct   { color: #fbbf24; }
.ltv-ok .ltv-card-label { color: #fbbf24; }
body.light-theme .ltv-ok { background: rgba(217,119,6,0.05); border-color: rgba(217,119,6,0.2); }
body.light-theme .ltv-ok .ltv-card-pct,
body.light-theme .ltv-ok .ltv-card-label { color: #d97706; }

.ltv-high { background: rgba(251,113,133,0.06); border-color: rgba(251,113,133,0.25); }
.ltv-high .ltv-card-pct   { color: #fb7185; }
.ltv-high .ltv-card-label { color: #fb7185; }
body.light-theme .ltv-high { background: rgba(225,29,72,0.05); border-color: rgba(225,29,72,0.2); }
body.light-theme .ltv-high .ltv-card-pct,
body.light-theme .ltv-high .ltv-card-label { color: #e11d48; }

/* ============================================
   COMPARISON TABLE
   ============================================ */
.mort-cmp-table-wrap {
  overflow-x: auto; border: 1px solid var(--border);
  border-radius: var(--radius-sm); margin: 16px 0;
}
.mort-cmp-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.mort-cmp-table thead tr { background: var(--bg-3); }
.mort-cmp-table th {
  padding: 10px 14px; text-align: left;
  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);
}
.mort-cmp-table td {
  padding: 9px 14px; color: var(--text-muted); border-bottom: 1px solid var(--border);
}
.mort-cmp-table tbody tr:last-child td { border-bottom: none; }
.mort-cmp-table tbody tr:nth-child(even) { background: var(--bg-2); }
.mmval { font-family: 'DM Mono', monospace; font-weight: 700; color: var(--text) !important; }
.msave { color: #34d399 !important; font-weight: 600; }
.mhigh { color: #60a5fa !important; font-weight: 700; }
body.light-theme .msave { color: #059669 !important; }
body.light-theme .mhigh { color: #2563eb !important; }

/* ---- 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: #60a5fa; }
body.light-theme .faq-question:hover { color: #2563eb; }
.faq-question i { font-size: 12px; color: var(--text-dim); flex-shrink: 0; transition: transform var(--transition), color var(--transition); }
.faq-item.open .faq-question i { transform: rotate(180deg); color: #60a5fa; }
body.light-theme .faq-item.open .faq-question i { color: #2563eb; }
.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; }

/* ---- 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); white-space: nowrap;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}
.also-search-chip:hover { background: rgba(96,165,250,0.1); border-color: #60a5fa; color: #60a5fa; }
body.light-theme .also-search-chip:hover { background: rgba(37,99,235,0.07); border-color: #2563eb; color: #2563eb; }

/* ============================================
   CALC CARD
   ============================================ */
.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 rgba(96,165,250,0.06);
}
.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: rgba(96,165,250,0.1); border: 1px solid rgba(96,165,250,0.22);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: #60a5fa; flex-shrink: 0;
}
body.light-theme .calc-card-icon { background: rgba(37,99,235,0.07); border-color: rgba(37,99,235,0.2); color: #2563eb; }
.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: 14px; }
.form-label {
  display: flex; align-items: center; gap: 7px;
  font-size: 12px; font-weight: 600; color: var(--text-muted);
  margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.05em;
  flex-wrap: wrap;
}
.form-label i { color: #60a5fa; font-size: 12px; }
body.light-theme .form-label i { color: #2563eb; }
.label-optional {
  font-size: 11px; font-weight: 500; color: var(--text-dim);
  text-transform: none; letter-spacing: 0; margin-left: 2px;
}

.form-input {
  width: 100%; padding: 11px 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);
  -moz-appearance: textfield; appearance: none;
}
.form-input::-webkit-outer-spin-button,
.form-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.form-input:hover  { border-color: var(--border-hover); }
.form-input:focus  { border-color: #60a5fa; box-shadow: 0 0 0 3px rgba(96,165,250,0.15); background: var(--surface); }
body.light-theme .form-input:focus { border-color: #2563eb; box-shadow: 0 0 0 3px rgba(37,99,235,0.10); }
.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: 14px 0; }

/* Input with prefix */
.input-with-prefix { position: relative; display: flex; align-items: center; }
.input-with-prefix .form-input.has-prefix { padding-left: 30px; }
.input-prefix {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  font-family: 'DM Mono', monospace; font-size: 13px; font-weight: 700;
  color: var(--text-muted); pointer-events: none; z-index: 1; user-select: none;
}

/* Input with unit suffix */
.input-with-suffix { position: relative; display: flex; align-items: center; }
.input-with-suffix .form-input.has-suffix { padding-right: 78px; }
.unit-suffix-badge {
  position: absolute; right: 0; top: 0; bottom: 0;
  display: flex; align-items: center; padding: 0 12px;
  background: var(--bg-3); border-left: 1px solid var(--border);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-family: 'DM Mono', monospace; font-size: 11px; font-weight: 700;
  color: var(--text-dim); white-space: nowrap; user-select: none; pointer-events: none;
}

/* ============================================
   DOWN PAYMENT — split row: $ amount + % input
   ============================================ */
.input-split-row {
  display: flex; gap: 8px; align-items: stretch;
}
.dp-prefix-wrap { flex: 1; }
.dp-pct-wrap    { flex: 0 0 100px; }
.dp-pct-wrap .form-input.has-suffix { padding-right: 42px; }
.dp-pct-wrap .unit-suffix-badge { padding: 0 10px; }

/* ---- LTV badge on label ---- */
.ltv-badge {
  margin-left: auto; padding: 2px 9px;
  font-family: 'DM Mono', monospace; font-size: 11px; font-weight: 700;
  border-radius: 100px; border: 1px solid;
  transition: background var(--transition), color var(--transition), border-color var(--transition);
  /* default: neutral */
  background: rgba(96,165,250,0.1); color: #60a5fa; border-color: rgba(96,165,250,0.3);
}
body.light-theme .ltv-badge {
  background: rgba(37,99,235,0.07); color: #2563eb; border-color: rgba(37,99,235,0.25);
}
.ltv-badge.good {
  background: rgba(52,211,153,0.12); color: #34d399; border-color: rgba(52,211,153,0.3);
}
.ltv-badge.ok {
  background: rgba(251,191,36,0.12); color: #fbbf24; border-color: rgba(251,191,36,0.3);
}
.ltv-badge.high {
  background: rgba(251,113,133,0.12); color: #fb7185; border-color: rgba(251,113,133,0.3);
}
body.light-theme .ltv-badge.good { background: rgba(5,150,105,0.08); color: #059669; border-color: rgba(5,150,105,0.25); }
body.light-theme .ltv-badge.ok   { background: rgba(217,119,6,0.08); color: #d97706; border-color: rgba(217,119,6,0.25); }
body.light-theme .ltv-badge.high { background: rgba(225,29,72,0.08); color: #e11d48; border-color: rgba(225,29,72,0.25); }

/* ---- LTV progress bar (shown after inputs filled) ---- */
.ltv-bar-row {
  display: flex; align-items: center; gap: 10px; margin-top: 8px;
}
.ltv-bar-track {
  flex: 1; height: 6px; background: var(--bg-3); border: 1px solid var(--border);
  border-radius: 3px; overflow: hidden;
}
.ltv-bar-fill {
  height: 100%; border-radius: 3px;
  transition: width 0.45s ease, background 0.45s ease;
  background: #60a5fa;
}
.ltv-bar-fill.ltv-fill-good { background: #34d399; }
.ltv-bar-fill.ltv-fill-ok   { background: #fbbf24; }
.ltv-bar-fill.ltv-fill-high { background: #fb7185; }
body.light-theme .ltv-bar-fill.ltv-fill-good { background: #059669; }
body.light-theme .ltv-bar-fill.ltv-fill-ok   { background: #d97706; }
body.light-theme .ltv-bar-fill.ltv-fill-high { background: #e11d48; }
.ltv-bar-label {
  font-family: 'DM Mono', monospace; font-size: 11px; font-weight: 700;
  white-space: nowrap; color: var(--text-dim); flex-shrink: 0;
}

/* ---- Loan amount display pill ---- */
.loan-amount-display {
  display: flex; align-items: center; gap: 8px; padding: 9px 14px;
  background: rgba(96,165,250,0.06); border: 1px solid rgba(96,165,250,0.2);
  border-radius: var(--radius-sm); font-size: 13px; color: var(--text-muted);
  margin-bottom: 14px;
}
body.light-theme .loan-amount-display {
  background: rgba(37,99,235,0.05); border-color: rgba(37,99,235,0.18);
}
.loan-amount-display i { color: #60a5fa; font-size: 13px; flex-shrink: 0; }
body.light-theme .loan-amount-display i { color: #2563eb; }
.loan-amount-display strong { color: var(--text); font-family: 'DM Mono', monospace; font-weight: 700; }

/* ---- 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;
}
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); }

/* Hero */
.result-hero {
  padding: 20px 24px 18px;
  background: linear-gradient(135deg, rgba(96,165,250,0.08) 0%, transparent 60%);
  border-bottom: 1px solid var(--border);
  display: flex; flex-direction: column; gap: 6px;
}
.result-hero-label {
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: #60a5fa;
}
body.light-theme .result-hero-label { color: #2563eb; }
.result-pmt {
  font-family: 'Bricolage Grotesque', sans-serif;
  font-size: 48px; font-weight: 800; letter-spacing: -2px; color: var(--text); line-height: 1;
}
.result-hero-sub { font-size: 14px; color: var(--text-muted); font-weight: 500; }

/* ---- 4-stat grid ---- */
.mort-stats {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 1px; background: var(--border); border-bottom: 1px solid var(--border);
}
.mort-stat {
  background: var(--surface); padding: 16px 18px;
  display: flex; flex-direction: column; gap: 4px;
  transition: background var(--transition);
}
.mort-stat:hover { background: var(--bg-3); }
.mstat-val {
  font-family: 'Bricolage Grotesque', sans-serif; font-size: 18px; font-weight: 700;
  color: var(--text); line-height: 1.1; font-variant-numeric: tabular-nums;
}
.mstat-label {
  font-size: 10px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.07em; color: var(--text-dim);
}

/* ---- Breakdown bar ---- */
.mort-bar-section {
  background: var(--surface); border-bottom: 1px solid var(--border); padding: 14px 20px 16px;
}
.mort-bar-title {
  display: flex; align-items: center; gap: 8px; margin-bottom: 12px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-dim);
}
.mort-bar-title i { color: #60a5fa; }
body.light-theme .mort-bar-title i { color: #2563eb; }
.mort-bar-track {
  display: flex; height: 10px; border-radius: 5px; overflow: hidden;
  background: var(--bg-3); border: 1px solid var(--border); margin-bottom: 10px;
}
.mort-bar-seg { height: 100%; transition: width 0.6s cubic-bezier(0.34,1.56,0.64,1); }
.seg-principal { background: #60a5fa; }
.seg-interest  { background: #fb7185; }
body.light-theme .seg-principal { background: #2563eb; }
body.light-theme .seg-interest  { background: #e11d48; }
.mort-bar-legend { display: flex; flex-wrap: wrap; gap: 14px; }
.mort-bar-legend-item { display: flex; align-items: center; gap: 7px; font-size: 12px; font-weight: 600; color: var(--text-muted); }
.mort-dot { width: 10px; height: 10px; border-radius: 3px; flex-shrink: 0; }
.dot-principal { background: #60a5fa; }
.dot-interest  { background: #fb7185; }
body.light-theme .dot-principal { background: #2563eb; }
body.light-theme .dot-interest  { background: #e11d48; }

/* ============================================
   EXTRA PAYMENT SAVINGS PANEL
   ============================================ */
.extra-savings-section {
  background: var(--bg-2); border-bottom: 1px solid var(--border); padding: 14px 20px 16px;
}
.extra-savings-title {
  display: flex; align-items: center; gap: 8px; margin-bottom: 14px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-dim);
}
.extra-savings-title i { color: #fbbf24; }
body.light-theme .extra-savings-title i { color: #d97706; }

.extra-savings-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 12px;
}
.extra-savings-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: 14px 16px; display: flex; flex-direction: column; gap: 6px;
}
.extra-savings-accent {
  border-color: rgba(52,211,153,0.35);
  background: rgba(52,211,153,0.05);
}
body.light-theme .extra-savings-accent {
  border-color: rgba(5,150,105,0.3);
  background: rgba(5,150,105,0.04);
}
.esc-label {
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.07em; color: var(--text-dim);
}
.extra-savings-accent .esc-label { color: #34d399; }
body.light-theme .extra-savings-accent .esc-label { color: #059669; }
.esc-payoff {
  font-family: 'Bricolage Grotesque', sans-serif; font-size: 18px; font-weight: 800;
  letter-spacing: -0.5px; color: var(--text);
}
.extra-savings-accent .esc-payoff { color: #34d399; }
body.light-theme .extra-savings-accent .esc-payoff { color: #059669; }
.esc-interest { font-size: 12px; color: var(--text-muted); font-family: 'DM Mono', monospace; }

.extra-savings-callout {
  display: flex; align-items: flex-start; gap: 9px; padding: 10px 14px;
  background: rgba(52,211,153,0.07); border: 1px solid rgba(52,211,153,0.25);
  border-radius: var(--radius-sm); font-size: 13px; color: var(--text-muted); line-height: 1.55;
}
body.light-theme .extra-savings-callout {
  background: rgba(5,150,105,0.05); border-color: rgba(5,150,105,0.22);
}
.extra-savings-callout i { color: #34d399; font-size: 14px; flex-shrink: 0; margin-top: 1px; }
body.light-theme .extra-savings-callout i { color: #059669; }

/* ============================================
   BALANCE + EQUITY CHART
   ============================================ */
.mort-chart-section {
  background: var(--surface); border-bottom: 1px solid var(--border); padding: 14px 20px 18px;
}
.mort-chart-title {
  display: flex; align-items: center; gap: 8px; margin-bottom: 14px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-dim);
}
.mort-chart-title i { color: #60a5fa; }
body.light-theme .mort-chart-title i { color: #2563eb; }
.mort-chart-wrap {
  position: relative; width: 100%; height: 220px;
}
.mort-chart-wrap canvas { width: 100% !important; height: 100% !important; }
.mort-chart-legend {
  display: flex; flex-wrap: wrap; gap: 14px; margin-top: 12px;
}
.mort-legend-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 11px; font-weight: 600; color: var(--text-muted);
}
.mort-legend-dot {
  width: 10px; height: 10px; border-radius: 3px; flex-shrink: 0;
}

/* ============================================
   AMORTIZATION SCHEDULE
   ============================================ */
.amort-section { background: var(--surface); border-bottom: 1px solid var(--border); }
.amort-section-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px; border-bottom: 1px solid var(--border);
  flex-wrap: wrap; gap: 10px;
}
.amort-section-title {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-dim);
}
.amort-section-title i { color: #60a5fa; }
body.light-theme .amort-section-title i { color: #2563eb; }
.amort-controls { display: flex; align-items: center; gap: 8px; }

.amort-toggle {
  display: flex; background: var(--bg-3); border: 1px solid var(--border);
  border-radius: var(--radius-sm); padding: 2px; gap: 2px;
}
.amort-tog-opt {
  padding: 5px 12px; border: none; border-radius: calc(var(--radius-sm) - 2px);
  background: transparent; font-family: 'DM Sans', sans-serif; font-size: 12px; font-weight: 600;
  color: var(--text-muted); cursor: pointer;
  transition: background var(--transition), color var(--transition), box-shadow var(--transition);
}
.amort-tog-opt:hover { color: var(--text); }
.amort-tog-opt.active {
  background: var(--surface); color: #60a5fa;
  box-shadow: 0 1px 4px rgba(0,0,0,0.1);
}
body.light-theme .amort-tog-opt.active { color: #2563eb; }

.amort-csv-btn {
  display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px;
  background: rgba(96,165,250,0.1); border: 1px solid rgba(96,165,250,0.28);
  border-radius: var(--radius-sm); font-family: 'DM Sans', sans-serif;
  font-size: 12px; font-weight: 600; color: #60a5fa; cursor: pointer;
  transition: background var(--transition), box-shadow var(--transition);
}
.amort-csv-btn:hover { background: rgba(96,165,250,0.2); box-shadow: 0 2px 8px rgba(96,165,250,0.2); }
body.light-theme .amort-csv-btn {
  background: rgba(37,99,235,0.07); border-color: rgba(37,99,235,0.22); color: #2563eb;
}
body.light-theme .amort-csv-btn:hover { background: rgba(37,99,235,0.14); }

.amort-table-wrap { overflow-x: auto; max-height: 320px; overflow-y: auto; }
.amort-table-wrap::-webkit-scrollbar { width: 4px; height: 4px; }
.amort-table-wrap::-webkit-scrollbar-track { background: var(--bg-3); }
.amort-table-wrap::-webkit-scrollbar-thumb { background: var(--border-hover); border-radius: 2px; }

.amort-table { width: 100%; border-collapse: collapse; font-size: 12px; }
.amort-table thead { position: sticky; top: 0; z-index: 2; }
.amort-table thead tr { background: var(--bg-3); }
.amort-table th {
  padding: 9px 12px; 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: 2px solid var(--border); white-space: nowrap;
}
.amort-table th:first-child { text-align: left; padding-left: 18px; }
.amort-table td {
  padding: 7px 12px; text-align: right; border-bottom: 1px solid var(--border);
  color: var(--text-muted); font-variant-numeric: tabular-nums;
  font-family: 'DM Mono', monospace; font-size: 11px;
}
.amort-table td:first-child { text-align: left; padding-left: 18px; font-family: 'DM Sans', sans-serif; font-size: 12px; font-weight: 600; color: var(--text); }
.amort-table tbody tr:hover { background: var(--bg-3); }
.amort-table tbody tr.year-summary { background: var(--bg-2); }
.amort-table tbody tr.year-summary td { font-weight: 700; color: var(--text); border-top: 1px solid var(--border); }
.amort-table tbody tr.year-summary td:first-child { color: #60a5fa; }
body.light-theme .amort-table tbody tr.year-summary td:first-child { color: #2563eb; }
/* Equity column — teal */
.amort-table td.col-equity { color: #34d399; font-weight: 600; }
body.light-theme .amort-table td.col-equity { color: #059669; }

.amort-show-more {
  width: 100%; padding: 12px; display: flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--bg-2); 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-show-more:hover { background: var(--bg-3); color: #60a5fa; }
body.light-theme .amort-show-more:hover { color: #2563eb; }
.amort-show-more i { font-size: 11px; }

/* Result note */
.result-note {
  display: flex; align-items: flex-start; gap: 8px;
  padding: 10px 20px; font-size: 12px; color: var(--text-dim); background: var(--bg-2);
}
.result-note i { color: #60a5fa; font-size: 11px; flex-shrink: 0; margin-top: 2px; }
body.light-theme .result-note i { color: #2563eb; }

/* ============================================
   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: 1380px; 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: rgba(96,165,250,0.1); border: 1px solid rgba(96,165,250,0.22);
  border-radius: 100px; font-size: 12px; font-weight: 600; color: #60a5fa;
  text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px;
}
body.light-theme .topic-cluster-tag { background: rgba(37,99,235,0.07); border-color: rgba(37,99,235,0.2); color: #2563eb; }
.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 #60a5fa; border-radius: var(--radius); padding: 22px; position: relative; }
body.light-theme .cluster-primary { border-color: #2563eb; }
.cluster-primary::before { content: ''; position: absolute; inset: 0; border-radius: inherit; background: linear-gradient(135deg, rgba(96,165,250,0.07) 0%, transparent 60%); pointer-events: none; }
.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: #60a5fa; margin-bottom: 10px; }
body.light-theme .cluster-primary-label { color: #2563eb; }
.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: rgba(96,165,250,0.1); border: 1px solid rgba(96,165,250,0.2); border-radius: 100px; font-size: 11px; font-weight: 600; color: #60a5fa; }
body.light-theme .cluster-keywords span { background: rgba(37,99,235,0.07); border-color: rgba(37,99,235,0.18); color: #2563eb; }

.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(--bg-3); }
.cluster-link-icon { flex-shrink: 0; width: 34px; height: 34px; border-radius: 8px; background: rgba(96,165,250,0.1); display: flex; align-items: center; justify-content: center; font-size: 15px; color: #60a5fa; }
body.light-theme .cluster-link-icon { background: rgba(37,99,235,0.07); color: #2563eb; }
.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); }
.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: #60a5fa; }
body.light-theme .cluster-link-item:hover .cluster-link-arrow { color: #2563eb; }
.cluster-link-all { background: var(--bg-2); }

.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: #60a5fa; transform: translateY(-3px); box-shadow: var(--shadow); }
body.light-theme .crosslink-card:hover { border-color: #2563eb; }
.crosslink-card i { font-size: 20px; color: #60a5fa; }
body.light-theme .crosslink-card i { color: #2563eb; }
.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: 1380px; margin: 0 auto; padding: 0 24px 40px; }
.ad-slot > div { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }

/* Fade-up */
.fade-up { opacity: 0; transform: translateY(16px); transition: opacity 0.5s ease, transform 0.5s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* ============================================
   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; }
  .ltv-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .calc-page { padding: 24px 16px 48px; }
  .crosslink-grid { grid-template-columns: 1fr; }
  .ltv-grid { grid-template-columns: 1fr; }
  .result-pmt { font-size: 36px; }
  .mort-stats { grid-template-columns: 1fr 1fr; }
  .extra-savings-grid { grid-template-columns: 1fr; }
  .input-split-row { flex-direction: column; }
  .dp-pct-wrap { flex: unset; width: 100%; }
  .amort-section-header { flex-direction: column; align-items: flex-start; }
  .topic-cluster-inner { padding: 36px 16px; }
}

@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);
  }
}