/* =================================================================
   Finance Tools Pro - Shared calculator page styles
   Loaded on every modernized *-calculator.html. All selectors scoped
   under body.calc-page to guarantee zero impact on non-calculator pages.
   ================================================================= */

body.calc-page {
    --calc-blue: #0078D4;
    --calc-blue-dark: #005BA1;
    --calc-blue-deep: #002F5F;
    --calc-coral: #FF6B6B;
    --calc-amber: #F5A524;
    --calc-green: #10B981;
    --calc-violet: #7C3AED;
    --calc-ink: #0F172A;
    --calc-slate: #475569;
    --calc-mist: #F1F5F9;
    --calc-cloud: #F8FAFC;
    --calc-line: #E2E8F0;

    background: var(--calc-cloud);
}

body.calc-page .calc-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.25rem;
}

/* =========================================================
   TRANSPARENT-OVER-HERO HEADER (desktop only) — same pattern as homepage
   ========================================================= */
@media (min-width: 768px) {
    body.calc-page {
        padding-top: 0;
    }

    body.calc-page .calc-hero {
        padding-top: calc(70px + 4rem);
    }

    body.calc-page:not(.scrolled) .header {
        background-color: transparent;
        border-bottom-color: transparent;
        box-shadow: none;
    }

    body.calc-page:not(.scrolled) .logo,
    body.calc-page:not(.scrolled) .nav-link {
        color: #fff;
    }

    body.calc-page:not(.scrolled) .nav-link:hover,
    body.calc-page:not(.scrolled) .nav-link:active {
        background-color: rgba(255, 255, 255, 0.14);
        color: #fff;
    }
}

/* =========================================================
   HERO
   ========================================================= */
body.calc-page .calc-hero {
    position: relative;
    overflow: hidden;
    /* 4rem + 4px to match the homepage hero's eyebrow position (the homepage
       eyebrow sits inside a 2-col grid with align-items:center, which nudges
       it ~3.65px lower than a flat container would). */
    padding: calc(4rem + 4px) 0 4rem;
    background:
        radial-gradient(1000px 500px at 90% -10%, rgba(124, 58, 237, 0.32) 0%, transparent 60%),
        radial-gradient(800px 400px at -10% 110%, rgba(16, 185, 129, 0.22) 0%, transparent 55%),
        linear-gradient(135deg, #0B2A52 0%, #0078D4 55%, #1E63D7 100%);
    color: #fff;
}

body.calc-page .calc-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px);
    background-size: 22px 22px;
    mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.6), transparent 70%);
    -webkit-mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.6), transparent 70%);
    pointer-events: none;
}

body.calc-page .calc-hero-inner {
    position: relative;
    z-index: 1;
}

body.calc-page .calc-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.375rem 0.875rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.25);
    font-size: 0.8125rem;
    font-weight: 600;
    color: #fff;
    margin-bottom: 1.25rem;
}

body.calc-page .calc-eyebrow-dot {
    width: 6px;
    height: 6px;
    background: #34D399;
    border-radius: 50%;
    box-shadow: 0 0 0 4px rgba(52, 211, 153, 0.25);
}

body.calc-page .calc-hero h1 {
    margin: 0 0 1rem;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    line-height: 1.1;
    letter-spacing: -0.02em;
    color: #fff;
}

body.calc-page .calc-hero h1 .calc-accent {
    color: #FBBF24;
    background: linear-gradient(135deg, #FCD34D 0%, #F59E0B 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

body.calc-page .calc-hero-sub {
    font-size: 1.125rem;
    line-height: 1.55;
    color: rgba(255, 255, 255, 0.88);
    max-width: 640px;
    margin: 0 0 1.5rem;
}

body.calc-page .calc-hero-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem 1.25rem;
    font-size: 0.8125rem;
    color: rgba(255, 255, 255, 0.7);
}

body.calc-page .calc-hero-meta time {
    color: rgba(255, 255, 255, 0.85);
    font-weight: 500;
}

/* =========================================================
   CALCULATOR SECTION
   ========================================================= */
body.calc-page .calc-section {
    padding: 0;
    position: relative;
    z-index: 2;
}

body.calc-page .calc-card {
    background: #fff;
    border-radius: 20px;
    box-shadow: 0 24px 60px -20px rgba(15, 23, 42, 0.18), 0 0 0 1px rgba(15, 23, 42, 0.04);
    margin-top: -2.5rem;
    overflow: hidden;
}

body.calc-page .calc-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 0;
}

body.calc-page .calc-form-pane {
    padding: 2rem 2rem 2rem 2.25rem;
}

body.calc-page .calc-form-pane h2 {
    margin: 0 0 0.25rem;
    font-size: 1.375rem;
    color: var(--calc-ink);
    font-weight: 700;
    letter-spacing: -0.01em;
}

body.calc-page .calc-form-pane > p {
    margin: 0 0 1.5rem;
    color: var(--calc-slate);
    font-size: 0.9375rem;
}

/* Form fields */
body.calc-page .calc-field {
    margin-bottom: 1.5rem;
}

body.calc-page .calc-field:last-of-type {
    margin-bottom: 0;
}

body.calc-page .calc-field-head {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 0.5rem;
}

body.calc-page .calc-field-head label {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--calc-slate);
}

body.calc-page .calc-field-value {
    font-size: 0.9375rem;
    font-weight: 700;
    color: var(--calc-ink);
    font-variant-numeric: tabular-nums;
}

body.calc-page .calc-input-wrap {
    position: relative;
    display: flex;
    align-items: center;
    background: #fff;
    border: 1.5px solid var(--calc-line);
    border-radius: 10px;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    overflow: hidden;
}

body.calc-page .calc-input-wrap:focus-within {
    border-color: var(--calc-blue);
    box-shadow: 0 0 0 3px rgba(0, 120, 212, 0.15);
}

body.calc-page .calc-input-prefix,
body.calc-page .calc-input-suffix {
    padding: 0 0.75rem;
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--calc-slate);
    background: var(--calc-cloud);
    height: 100%;
    display: flex;
    align-items: center;
    border-right: 1px solid var(--calc-line);
}

body.calc-page .calc-input-suffix {
    border-right: none;
    border-left: 1px solid var(--calc-line);
}

body.calc-page .calc-input {
    flex: 1;
    border: none;
    outline: none;
    padding: 0.75rem 0.875rem;
    font-size: 1rem;
    font-weight: 600;
    color: var(--calc-ink);
    background: #fff;
    font-variant-numeric: tabular-nums;
    width: 100%;
    min-width: 0;
}

body.calc-page .calc-input::placeholder {
    color: #94A3B8;
    font-weight: 500;
}

/* Slider row */
body.calc-page .calc-slider-row {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-top: 0.625rem;
}

body.calc-page .calc-step {
    flex: 0 0 auto;
    width: 28px;
    height: 28px;
    padding: 0;
    border: 1px solid var(--calc-line);
    background: #fff;
    color: var(--calc-blue);
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 700;
    line-height: 1;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    user-select: none;
    transition: background 0.15s ease, border-color 0.15s ease, transform 0.05s ease;
}

body.calc-page .calc-step:hover:not(:disabled) {
    background: var(--calc-mist);
    border-color: var(--calc-blue);
}

body.calc-page .calc-step:active:not(:disabled) {
    transform: translateY(1px);
}

body.calc-page .calc-step:disabled {
    color: #CBD5E1;
    background: var(--calc-cloud);
    cursor: not-allowed;
}

body.calc-page .calc-slider {
    -webkit-appearance: none;
    appearance: none;
    flex: 1 1 auto;
    min-width: 0;
    height: 6px;
    background: var(--calc-line);
    border-radius: 999px;
    outline: none;
    cursor: pointer;
}

body.calc-page .calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    background: var(--calc-blue);
    border: 3px solid #fff;
    border-radius: 50%;
    box-shadow: 0 2px 8px rgba(0, 120, 212, 0.4);
    cursor: pointer;
}

body.calc-page .calc-slider::-moz-range-thumb {
    width: 18px;
    height: 18px;
    background: var(--calc-blue);
    border: 3px solid #fff;
    border-radius: 50%;
    box-shadow: 0 2px 8px rgba(0, 120, 212, 0.4);
    cursor: pointer;
}

/* Quick presets */
body.calc-page .calc-presets {
    margin-top: 1.75rem;
    padding-top: 1.5rem;
    border-top: 1px dashed var(--calc-line);
}

body.calc-page .calc-presets-label {
    display: block;
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--calc-slate);
    margin-bottom: 0.625rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

body.calc-page .calc-presets-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

body.calc-page .calc-preset {
    padding: 0.5rem 0.875rem;
    border: 1px solid var(--calc-line);
    background: #fff;
    color: var(--calc-blue);
    border-radius: 999px;
    font-size: 0.8125rem;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.15s ease, border-color 0.15s ease, transform 0.05s ease;
}

body.calc-page .calc-preset:hover {
    background: var(--calc-mist);
    border-color: var(--calc-blue);
}

body.calc-page .calc-preset:active {
    transform: translateY(1px);
}

/* =========================================================
   RESULT CARD (dark, on the right)
   ========================================================= */
body.calc-page .calc-result-pane {
    background: linear-gradient(160deg, #0B2A52 0%, #002F5F 100%);
    color: #fff;
    padding: 2rem 2.25rem 2rem 2rem;
    position: relative;
    overflow: hidden;
}

body.calc-page .calc-result-pane::before {
    content: "";
    position: absolute;
    top: -40%;
    right: -20%;
    width: 360px;
    height: 360px;
    background: radial-gradient(circle, rgba(124, 58, 237, 0.35) 0%, transparent 70%);
    pointer-events: none;
}

body.calc-page .calc-result-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.25rem 0.625rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    font-size: 0.6875rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: #fff;
    position: relative;
    z-index: 1;
}

body.calc-page .calc-result-eyebrow-dot {
    width: 6px;
    height: 6px;
    background: #34D399;
    border-radius: 50%;
    box-shadow: 0 0 0 3px rgba(52, 211, 153, 0.25);
}

body.calc-page .calc-result-amount {
    margin: 0.875rem 0 0.25rem;
    font-size: clamp(2.25rem, 3.5vw, 3rem);
    font-weight: 800;
    line-height: 1;
    letter-spacing: -0.02em;
    font-variant-numeric: tabular-nums;
    color: #fff;
    position: relative;
    z-index: 1;
}

body.calc-page .calc-result-meta {
    font-size: 0.8125rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
}

/* Principal vs Interest split bar */
body.calc-page .calc-split {
    position: relative;
    z-index: 1;
    margin-bottom: 1.5rem;
}

body.calc-page .calc-split-bar {
    display: flex;
    height: 10px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.12);
    overflow: hidden;
    margin-bottom: 0.875rem;
}

body.calc-page .calc-split-principal {
    background: linear-gradient(90deg, #34D399 0%, #10B981 100%);
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

body.calc-page .calc-split-interest {
    background: linear-gradient(90deg, #F59E0B 0%, #F97316 100%);
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

body.calc-page .calc-split-legend {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
}

body.calc-page .calc-split-item {
    display: flex;
    flex-direction: column;
    gap: 0.125rem;
}

body.calc-page .calc-split-item-head {
    display: flex;
    align-items: center;
    gap: 0.375rem;
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.7);
}

body.calc-page .calc-split-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
}

body.calc-page .calc-split-dot.principal {
    background: #34D399;
}

body.calc-page .calc-split-dot.interest {
    background: #F59E0B;
}

body.calc-page .calc-split-amt {
    font-size: 1rem;
    font-weight: 700;
    color: #fff;
    font-variant-numeric: tabular-nums;
}

body.calc-page .calc-result-total {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 1rem 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    margin-bottom: 1.25rem;
    position: relative;
    z-index: 1;
}

body.calc-page .calc-result-total-label {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.75);
}

body.calc-page .calc-result-total-value {
    font-size: 1.25rem;
    font-weight: 700;
    color: #fff;
    font-variant-numeric: tabular-nums;
}

body.calc-page .calc-amort-toggle {
    width: 100%;
    padding: 0.75rem 1rem;
    background: rgba(255, 255, 255, 0.1);
    color: #fff;
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 10px;
    font-size: 0.875rem;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.15s ease, border-color 0.15s ease;
    position: relative;
    z-index: 1;
}

body.calc-page .calc-amort-toggle:hover {
    background: rgba(255, 255, 255, 0.16);
    border-color: rgba(255, 255, 255, 0.35);
}

/* =========================================================
   AMORTIZATION TABLE
   ========================================================= */
body.calc-page .calc-amort-section {
    padding: 1.5rem 2rem 2rem;
    border-top: 1px solid var(--calc-line);
    background: var(--calc-cloud);
}

body.calc-page .calc-amort-section h3 {
    margin: 0 0 1rem;
    font-size: 1.0625rem;
    color: var(--calc-ink);
    font-weight: 700;
}

body.calc-page .calc-amort-table-wrap {
    overflow-x: auto;
    border-radius: 12px;
    border: 1px solid var(--calc-line);
    background: #fff;
}

body.calc-page .calc-amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.875rem;
    min-width: 480px;
}

body.calc-page .calc-amort-table thead th {
    padding: 0.875rem 1rem;
    text-align: right;
    background: #fff;
    color: var(--calc-slate);
    font-weight: 600;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    border-bottom: 2px solid var(--calc-line);
}

body.calc-page .calc-amort-table thead th:first-child {
    text-align: left;
}

body.calc-page .calc-amort-table tbody td {
    padding: 0.75rem 1rem;
    text-align: right;
    font-variant-numeric: tabular-nums;
    border-bottom: 1px solid var(--calc-line);
    color: var(--calc-ink);
}

body.calc-page .calc-amort-table tbody td:first-child {
    text-align: left;
    font-weight: 600;
    color: var(--calc-slate);
}

body.calc-page .calc-amort-table tbody tr:last-child td {
    border-bottom: none;
}

body.calc-page .calc-amort-table tbody tr:nth-child(even) {
    background: var(--calc-cloud);
}

body.calc-page .calc-amort-principal {
    color: var(--calc-green);
    font-weight: 600;
}

body.calc-page .calc-amort-interest {
    color: var(--calc-amber);
    font-weight: 600;
}

/* =========================================================
   SECTION HEADERS (reused below the calculator)
   ========================================================= */
body.calc-page .calc-section-head {
    text-align: center;
    margin-bottom: 2rem;
}

body.calc-page .calc-section-eyebrow {
    display: inline-block;
    color: var(--calc-blue);
    font-weight: 700;
    font-size: 0.8125rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 0.625rem;
}

body.calc-page .calc-section-head h2 {
    margin: 0 0 0.625rem;
    font-size: clamp(1.625rem, 2.5vw, 2rem);
    font-weight: 800;
    color: var(--calc-ink);
    letter-spacing: -0.01em;
}

body.calc-page .calc-section-head p {
    margin: 0 auto;
    max-width: 640px;
    color: var(--calc-slate);
    font-size: 1rem;
    line-height: 1.6;
}

/* =========================================================
   LONG-FORM CONTENT
   ========================================================= */
body.calc-page .calc-content {
    padding: 4rem 0 0;
}

body.calc-page .calc-content-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 2.5rem;
}

body.calc-page .calc-content-card {
    background: #fff;
    border: 1px solid var(--calc-line);
    border-radius: 16px;
    padding: 1.75rem 2rem;
}

body.calc-page .calc-content-card h2 {
    margin: 0 0 0.875rem;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--calc-ink);
    letter-spacing: -0.01em;
}

body.calc-page .calc-content-card h3 {
    margin: 1.25rem 0 0.5rem;
    font-size: 1rem;
    font-weight: 700;
    color: var(--calc-ink);
}

body.calc-page .calc-content-card p,
body.calc-page .calc-content-card li {
    color: var(--calc-slate);
    font-size: 0.9375rem;
    line-height: 1.65;
}

body.calc-page .calc-content-card p {
    margin: 0 0 0.875rem;
}

body.calc-page .calc-content-card ul {
    padding-left: 1.25rem;
    margin: 0.5rem 0 0.875rem;
}

body.calc-page .calc-content-card li {
    margin-bottom: 0.375rem;
}

body.calc-page .calc-content-card strong {
    color: var(--calc-ink);
    font-weight: 600;
}

/* EMI formula block */
body.calc-page .calc-formula {
    background: linear-gradient(135deg, var(--calc-cloud) 0%, var(--calc-mist) 100%);
    border: 1px solid var(--calc-line);
    border-radius: 12px;
    padding: 1.5rem;
    margin: 1rem 0 1.25rem;
    text-align: center;
    font-size: 0.9375rem;
}

body.calc-page .calc-formula-inline {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    font-variant-numeric: tabular-nums;
}

body.calc-page .calc-formula-lhs {
    font-weight: 700;
    color: var(--calc-ink);
    font-size: 1.0625rem;
}

body.calc-page .calc-formula-frac {
    display: inline-flex;
    flex-direction: column;
    text-align: center;
}

body.calc-page .calc-formula-num {
    padding: 0.375rem 0.75rem;
    border-bottom: 2px solid var(--calc-ink);
    font-weight: 600;
    color: var(--calc-ink);
}

body.calc-page .calc-formula-den {
    padding: 0.375rem 0.75rem;
    font-weight: 600;
    color: var(--calc-ink);
}

/* =========================================================
   FAQ ACCORDION
   ========================================================= */
body.calc-page .calc-faq {
    padding: 4rem 0;
}

body.calc-page .calc-faq-list {
    max-width: 820px;
    margin: 0 auto;
}

body.calc-page .calc-faq-item {
    background: #fff;
    border: 1px solid var(--calc-line);
    border-radius: 12px;
    padding: 1rem 1.25rem;
    margin-bottom: 0.625rem;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

body.calc-page .calc-faq-item[open] {
    border-color: var(--calc-blue);
    box-shadow: 0 4px 16px rgba(0, 120, 212, 0.08);
}

body.calc-page .calc-faq-item summary {
    cursor: pointer;
    font-weight: 600;
    color: var(--calc-ink);
    font-size: 0.9375rem;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
}

body.calc-page .calc-faq-item summary::-webkit-details-marker {
    display: none;
}

body.calc-page .calc-faq-item summary::after {
    content: "";
    width: 12px;
    height: 12px;
    border-right: 2px solid var(--calc-slate);
    border-bottom: 2px solid var(--calc-slate);
    transform: rotate(45deg);
    transition: transform 0.2s ease;
    flex: 0 0 auto;
    margin-bottom: 4px;
}

body.calc-page .calc-faq-item[open] summary::after {
    transform: rotate(-135deg);
    margin-bottom: 0;
    margin-top: 4px;
    border-color: var(--calc-blue);
}

body.calc-page .calc-faq-item p {
    margin: 0.75rem 0 0;
    color: var(--calc-slate);
    font-size: 0.9375rem;
    line-height: 1.65;
}

/* =========================================================
   RELATED RESOURCES
   ========================================================= */
body.calc-page .calc-related {
    padding: 0 0 4rem;
}

body.calc-page .calc-related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

body.calc-page .calc-related-col {
    background: #fff;
    border: 1px solid var(--calc-line);
    border-radius: 16px;
    padding: 1.5rem 1.75rem;
}

body.calc-page .calc-related-col h3 {
    margin: 0 0 1rem;
    font-size: 1rem;
    font-weight: 700;
    color: var(--calc-ink);
    letter-spacing: -0.005em;
}

body.calc-page .calc-related-col ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

body.calc-page .calc-related-col li {
    margin-bottom: 0.5rem;
}

body.calc-page .calc-related-col a {
    color: var(--calc-blue);
    text-decoration: none;
    font-size: 0.9375rem;
    line-height: 1.5;
    transition: color 0.15s ease;
}

body.calc-page .calc-related-col a:hover {
    color: var(--calc-blue-dark);
    text-decoration: underline;
}

body.calc-page .calc-related-col a.calc-related-all {
    font-weight: 600;
    margin-top: 0.5rem;
    display: inline-block;
}

/* =========================================================
   CTA BANNER
   ========================================================= */
body.calc-page .calc-cta-banner {
    margin: 0 0 3rem;
    padding: 2.5rem 2.5rem;
    background: linear-gradient(135deg, var(--calc-blue) 0%, var(--calc-blue-dark) 100%);
    border-radius: 20px;
    color: #fff;
    text-align: center;
    position: relative;
    overflow: hidden;
}

body.calc-page .calc-cta-banner::before {
    content: "";
    position: absolute;
    top: -50%;
    right: -10%;
    width: 360px;
    height: 360px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.18) 0%, transparent 70%);
    pointer-events: none;
}

body.calc-page .calc-cta-banner h2 {
    margin: 0 0 0.5rem;
    font-size: 1.5rem;
    font-weight: 700;
    color: #fff;
    position: relative;
}

body.calc-page .calc-cta-banner p {
    margin: 0 0 1.25rem;
    color: rgba(255, 255, 255, 0.9);
    font-size: 1rem;
    position: relative;
}

body.calc-page .calc-cta-row {
    display: inline-flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    justify-content: center;
    position: relative;
}

body.calc-page .calc-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.75rem 1.25rem;
    border-radius: 10px;
    font-size: 0.9375rem;
    font-weight: 600;
    text-decoration: none;
    transition: background 0.15s ease, transform 0.05s ease, box-shadow 0.15s ease;
    cursor: pointer;
    border: none;
}

body.calc-page .calc-btn-primary {
    background: #fff;
    color: var(--calc-blue);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

body.calc-page .calc-btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.12);
}

body.calc-page .calc-btn-ghost {
    background: rgba(255, 255, 255, 0.14);
    color: #fff;
    border: 1px solid rgba(255, 255, 255, 0.25);
}

body.calc-page .calc-btn-ghost:hover {
    background: rgba(255, 255, 255, 0.22);
}

/* =========================================================
   DISCLAIMER
   ========================================================= */
body.calc-page .calc-disclaimer {
    padding: 0 0 3rem;
    color: var(--calc-slate);
    font-size: 0.8125rem;
    line-height: 1.65;
    text-align: center;
    max-width: 820px;
    margin: 0 auto;
}

body.calc-page .calc-disclaimer strong {
    color: var(--calc-ink);
}

/* =========================================================
   MOBILE STICKY RESULT BAR
   ========================================================= */
body.calc-page .calc-mobile-sticky {
    display: none;
}

@media (max-width: 960px) {
    body.calc-page .calc-mobile-sticky {
        display: flex;
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        z-index: 60;
        align-items: center;
        justify-content: space-between;
        gap: 1rem;
        padding: 0.875rem 1.25rem;
        padding-bottom: calc(0.875rem + env(safe-area-inset-bottom, 0px));
        background: linear-gradient(160deg, #0B2A52 0%, #002F5F 100%);
        color: #fff;
        box-shadow: 0 -6px 24px rgba(0, 0, 0, 0.18);
    }
    body.calc-page .calc-mobile-sticky-label {
        font-size: 0.6875rem;
        font-weight: 700;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        opacity: 0.85;
    }
    body.calc-page .calc-mobile-sticky-value {
        font-size: 1.5rem;
        font-weight: 800;
        font-variant-numeric: tabular-nums;
        letter-spacing: -0.01em;
    }
    /* Reserve space so content isn't hidden behind the sticky bar */
    body.calc-page .calc-section {
        padding-bottom: 5rem;
    }
}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 960px) {
    body.calc-page .calc-grid {
        grid-template-columns: 1fr;
    }
    body.calc-page .calc-content-grid {
        grid-template-columns: 1fr;
    }
    body.calc-page .calc-related-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 560px) {
    body.calc-page .calc-hero {
        padding: 2rem 0 3rem;
    }
    body.calc-page .calc-hero h1 {
        font-size: 1.875rem;
    }
    body.calc-page .calc-hero-sub {
        font-size: 1rem;
    }
    body.calc-page .calc-form-pane,
    body.calc-page .calc-result-pane {
        padding: 1.5rem 1.25rem;
    }
    body.calc-page .calc-content-card {
        padding: 1.25rem 1.25rem;
    }
    body.calc-page .calc-cta-banner {
        padding: 2rem 1.25rem;
    }
    body.calc-page .calc-amort-section {
        padding: 1.25rem;
    }
}

/* =========================================================
   RESOURCE PAGES (long-form articles)
   ========================================================= */

/* Callouts — used inline within .calc-content-card */
body.calc-page .calc-note,
body.calc-page .calc-tip,
body.calc-page .calc-warn {
    padding: 1rem 1.25rem;
    border-radius: 10px;
    border-left: 4px solid;
    margin: 1rem 0 1.25rem;
    font-size: 0.9375rem;
    line-height: 1.6;
}
body.calc-page .calc-note { background: rgba(0, 120, 212, 0.06); border-color: var(--calc-blue); }
body.calc-page .calc-tip  { background: rgba(16, 185, 129, 0.07); border-color: var(--calc-green); }
body.calc-page .calc-warn { background: rgba(245, 165, 36, 0.09); border-color: var(--calc-amber); }
body.calc-page .calc-note p:last-child,
body.calc-page .calc-tip p:last-child,
body.calc-page .calc-warn p:last-child { margin-bottom: 0; }

/* Breadcrumb — lives inside .calc-hero-inner, above eyebrow */
body.calc-page .calc-breadcrumb {
    padding: 0 0 0.75rem;
    font-size: 0.8125rem;
    color: rgba(255, 255, 255, 0.65);
}
body.calc-page .calc-breadcrumb a {
    color: rgba(255, 255, 255, 0.75);
    text-decoration: none;
}
body.calc-page .calc-breadcrumb a:hover { color: #fff; }
body.calc-page .calc-breadcrumb-sep {
    margin: 0 0.5rem;
    opacity: 0.5;
}

/* Full-width content card — overrides 2-col grid */
body.calc-page .calc-content-card--full { grid-column: 1 / -1; }

/* Prose table */
body.calc-page .calc-table-wrap {
    overflow-x: auto;
    border-radius: 12px;
    border: 1px solid var(--calc-line);
    background: #fff;
    margin: 1rem 0 1.25rem;
}
body.calc-page .calc-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.875rem;
}
body.calc-page .calc-table thead th {
    padding: 0.75rem 1rem;
    background: var(--calc-mist);
    color: var(--calc-slate);
    font-weight: 600;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    border-bottom: 2px solid var(--calc-line);
    text-align: left;
}
body.calc-page .calc-table tbody td {
    padding: 0.625rem 1rem;
    border-bottom: 1px solid var(--calc-line);
    color: var(--calc-ink);
    line-height: 1.5;
}
body.calc-page .calc-table tbody tr:nth-child(even) { background: var(--calc-cloud); }
body.calc-page .calc-table tbody tr:last-child td { border-bottom: none; }

/* Numbered step list (used by how-sip-works, how-fd-works) */
body.calc-page .calc-steps {
    list-style: none;
    padding: 0;
    counter-reset: step;
    margin: 1rem 0 1.25rem;
    display: grid;
    gap: 1rem;
}
body.calc-page .calc-steps > li {
    counter-increment: step;
    position: relative;
    padding: 1rem 1.25rem 1rem 3.75rem;
    background: #fff;
    border: 1px solid var(--calc-line);
    border-radius: 12px;
}
body.calc-page .calc-steps > li::before {
    content: counter(step);
    position: absolute;
    left: 1rem;
    top: 1rem;
    width: 2rem;
    height: 2rem;
    border-radius: 50%;
    background: var(--calc-blue);
    color: #fff;
    font-weight: 700;
    display: grid;
    place-items: center;
    font-size: 0.875rem;
}
body.calc-page .calc-steps h3 {
    margin: 0 0 0.25rem;
    font-size: 1rem;
}
body.calc-page .calc-steps p { margin: 0; }

/* Links inside content cards */
body.calc-page .calc-content-card a {
    color: var(--calc-blue);
    text-decoration: none;
}
body.calc-page .calc-content-card a:hover {
    color: var(--calc-blue-dark);
    text-decoration: underline;
}