/* ============================================================
   CarMarkup – Main Stylesheet
   Version: 2.0 | Production Ready | WCAG 2.2 Compliant
   ============================================================ */

/* ── Custom Properties (Design Tokens) ─────────────────────── */
:root {
  --clr-primary:       #0F4C5C;
  --clr-primary-dark:  #0a3545;
  --clr-primary-mid:   #1A7A7A;
  --clr-accent:        #20B2AA;
  --clr-accent-light:  #5eead4;
  --clr-accent-fade:   rgba(32, 178, 170, 0.12);
  --clr-surface:       #F0F8F9;
  --clr-card:          #ffffff;
  --clr-text:          #1a202c;
  --clr-text-muted:    #4a5568;
  --clr-border:        #e2e8f0;
  --clr-error:         #e53e3e;
  --clr-warning:       #f59e0b;
  --clr-balloon:       #fef3c7;

  --font-sans: 'Inter', system-ui, -apple-system, BlinkMacSystemFont,
               'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;

  --shadow-xs: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-sm: 0 1px 4px rgba(0,0,0,0.07), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.09), 0 2px 4px rgba(0,0,0,0.04);
  --shadow-lg: 0 8px 28px rgba(0,0,0,0.11), 0 4px 8px rgba(0,0,0,0.05);

  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 18px;
  --radius-xl: 22px;

  --header-h:    64px;
  --max-w:       1300px;
  --pad-x:       1.25rem;

  --ease:        cubic-bezier(0.4, 0, 0.2, 1);
  --dur-fast:    0.15s;
  --dur:         0.22s;
  --dur-slow:    0.35s;
}

/* ── Reset ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  background: var(--clr-surface);
  color: var(--clr-text);
  min-height: 100vh;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { max-width: 100%; display: block; }

a { color: var(--clr-accent); text-decoration: none; }
a:hover { text-decoration: underline; }
a:focus-visible { outline: 3px solid var(--clr-accent); outline-offset: 3px; border-radius: 3px; }

button:focus-visible,
input:focus-visible,
select:focus-visible { outline: 3px solid rgba(32, 178, 170, 0.55); outline-offset: 2px; }

/* ── Container ──────────────────────────────────────────────── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--pad-x);
}

/* ── Utility ─────────────────────────────────────────────────── */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}
.hidden { display: none !important; }

/* ── Skip Link (Accessibility) ──────────────────────────────── */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--clr-primary);
  color: #fff;
  padding: 0.6rem 1.2rem;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  font-weight: 700;
  font-size: 0.875rem;
  z-index: 9999;
  text-decoration: none;
  transition: top 0.2s;
}
.skip-link:focus { top: 0; }

/* ── Site Header ─────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: linear-gradient(135deg, var(--clr-primary) 0%, var(--clr-primary-mid) 100%);
  height: var(--header-h);
  box-shadow: 0 2px 20px rgba(15, 76, 92, 0.35);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 1rem;
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
}
.site-logo svg { width: 34px; height: 34px; color: #fff; }
.logo-text-wrap { line-height: 1; }
.logo-name {
  font-size: 1.125rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.03em;
  display: block;
}
.logo-name span { color: var(--clr-accent-light); }
.logo-tagline {
  font-size: 0.6875rem;
  color: rgba(255,255,255,0.6);
  font-weight: 400;
  letter-spacing: 0.04em;
  display: block;
  margin-top: 2px;
}

/* Currency Selector */
.header-right { display: flex; align-items: center; gap: 0.75rem; }

.currency-wrap {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.13);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-xs);
  padding: 0.375rem 0.75rem;
}
.currency-wrap label {
  font-size: 0.6875rem;
  color: rgba(255,255,255,0.7);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
  cursor: pointer;
}
.currency-wrap select {
  background: transparent;
  border: none;
  color: #fff;
  font-size: 0.875rem;
  font-weight: 700;
  font-family: var(--font-sans);
  cursor: pointer;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  padding-right: 1.25rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='rgba(255,255,255,0.65)' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.1rem center;
  background-size: 12px;
  max-width: 160px;
}
.currency-wrap select option { background: var(--clr-primary); color: #fff; }

/* ── Breadcrumb ──────────────────────────────────────────────── */
.breadcrumb-nav {
  background: #fff;
  border-bottom: 1px solid var(--clr-border);
  padding: 0.5rem 0;
}
.breadcrumb {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.375rem;
  list-style: none;
}
.breadcrumb li { display: flex; align-items: center; gap: 0.375rem; }
.breadcrumb li + li::before {
  content: '›';
  color: var(--clr-text-muted);
  font-size: 1rem;
  line-height: 1;
}
.breadcrumb a,
.breadcrumb span { font-size: 0.8rem; color: var(--clr-text-muted); font-weight: 500; }
.breadcrumb a:hover { color: var(--clr-accent); text-decoration: none; }
.breadcrumb li:last-child span { color: var(--clr-primary); font-weight: 700; }

/* ── Ad Slots ────────────────────────────────────────────────── */
.ad-slot {
  background: #f8fafc;
  border: 1.5px dashed #d1dce6;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 90px;
  padding: 1rem;
  text-align: center;
  color: #a0aec0;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin: 1rem 0;
}

/* ── Main Content ────────────────────────────────────────────── */
.main-content { padding: 1.5rem 0 2rem; }

/* ── Page Intro ──────────────────────────────────────────────── */
.page-intro { margin-bottom: 1.5rem; }

.page-intro h1 {
  font-size: clamp(1.375rem, 3.5vw, 2.125rem);
  font-weight: 800;
  color: var(--clr-primary);
  letter-spacing: -0.03em;
  line-height: 1.2;
  margin-bottom: 0.5rem;
}
.page-intro p {
  font-size: 0.9375rem;
  color: var(--clr-text-muted);
  max-width: 680px;
  line-height: 1.7;
}

/* ── Calculator Grid ─────────────────────────────────────────── */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  align-items: start;
}
@media (min-width: 1040px) {
  .calc-grid { grid-template-columns: 370px 1fr; }
}
@media (min-width: 1200px) {
  .calc-grid { grid-template-columns: 400px 1fr; }
}

/* ── Input Panel ─────────────────────────────────────────────── */
.input-panel {
  background: var(--clr-card);
  border-radius: var(--radius-xl);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  padding: 1.5rem 1.375rem;
}
@media (min-width: 1040px) {
  .input-panel {
    position: sticky;
    top: calc(var(--header-h) + 1rem);
    max-height: calc(100vh - var(--header-h) - 2rem);
    overflow-y: auto;
  }
}

.panel-title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--clr-primary);
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding-bottom: 0.875rem;
  border-bottom: 1px solid var(--clr-border);
}
.panel-title svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ── Form Groups ─────────────────────────────────────────────── */
.form-group { margin-bottom: 0.9375rem; }
.form-group:last-of-type { margin-bottom: 0; }

.form-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.7rem;
  font-weight: 700;
  color: #4a5568;
  text-transform: uppercase;
  letter-spacing: 0.065em;
  margin-bottom: 0.375rem;
}
.label-accent { color: var(--clr-accent); font-weight: 800; }

.input-field {
  width: 100%;
  padding: 0.5625rem 0.8125rem;
  border: 2px solid var(--clr-border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--clr-text);
  background: #fff;
  font-family: var(--font-sans);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  outline: none;
  -moz-appearance: textfield;
}
.input-field::-webkit-inner-spin-button,
.input-field::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.input-field:focus {
  border-color: var(--clr-accent);
  box-shadow: 0 0 0 3px rgba(32, 178, 170, 0.17);
}
.input-field.is-error { border-color: var(--clr-error); }
.input-field.is-readonly {
  background: #f7fafc;
  cursor: not-allowed;
  color: var(--clr-text-muted);
}

.input-hint  { font-size: 0.7375rem; color: var(--clr-text-muted); margin-top: 0.25rem; font-weight: 500; }
.input-error { font-size: 0.7375rem; color: var(--clr-error); margin-top: 0.35rem; font-weight: 700; animation: shake 0.3s ease; }

@keyframes shake {
  0%, 100% { transform: translateX(0); }
  25% { transform: translateX(-4px); }
  75% { transform: translateX(4px); }
}

/* ── Range Slider ────────────────────────────────────────────── */
.range-row {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  margin-bottom: 0.25rem;
}
.range-row input[type="range"] { flex: 1; min-width: 0; }
.range-row .input-field { width: 68px; flex-shrink: 0; text-align: center; padding-left: 0.25rem; padding-right: 0.25rem; }

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  cursor: pointer;
  outline: none;
  background: linear-gradient(
    to right,
    var(--clr-primary) 0%,
    var(--clr-primary) var(--fill, 18%),
    var(--clr-border) var(--fill, 18%),
    var(--clr-border) 100%
  );
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--clr-primary);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.22);
  transition: transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.18); box-shadow: 0 3px 12px rgba(0,0,0,0.28); }
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--clr-primary);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.22);
}
input[type="range"]:focus-visible { outline: 3px solid rgba(32, 178, 170, 0.5); outline-offset: 4px; border-radius: 3px; }

/* ── Boxed Subsections ───────────────────────────────────────── */
.box-section {
  background: #f7fafc;
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-bottom: 0.9375rem;
}
.box-title {
  font-size: 0.6875rem;
  font-weight: 700;
  color: var(--clr-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}
.charge-row { display: flex; gap: 0.5rem; margin-bottom: 0.5rem; }
.charge-row:last-child { margin-bottom: 0; }
.charge-row .input-field:first-child { flex: 2; font-size: 0.8125rem; }
.charge-row .input-field:last-child  { flex: 3; }

/* ── Toggle Switch ───────────────────────────────────────────── */
.toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.toggle-label {
  font-size: 0.7rem;
  font-weight: 700;
  color: #4a5568;
  text-transform: uppercase;
  letter-spacing: 0.065em;
}
.toggle-switch {
  position: relative;
  display: inline-block;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
}
.toggle-switch input { opacity: 0; width: 0; height: 0; position: absolute; }
.toggle-track {
  position: absolute;
  inset: 0;
  background: #cbd5e0;
  border-radius: 12px;
  cursor: pointer;
  transition: background var(--dur-slow) var(--ease);
}
.toggle-track::before {
  content: '';
  position: absolute;
  width: 18px;
  height: 18px;
  left: 3px;
  bottom: 3px;
  background: #fff;
  border-radius: 50%;
  transition: transform var(--dur-slow) var(--ease);
  box-shadow: 0 1px 4px rgba(0,0,0,0.2);
}
.toggle-switch input:checked + .toggle-track { background: var(--clr-accent); }
.toggle-switch input:checked + .toggle-track::before { transform: translateX(20px); }
.toggle-switch input:focus-visible + .toggle-track { outline: 3px solid rgba(32,178,170,0.5); outline-offset: 2px; }

/* ── Balloon Fields ──────────────────────────────────────────── */
.balloon-fields {
  display: none;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px dashed var(--clr-border);
}
.balloon-fields.is-active { display: flex; }

/* ── Effective Rate Box ──────────────────────────────────────── */
.rate-box {
  background: linear-gradient(135deg, #f0fdfa, #e6faf7);
  border: 1px solid rgba(32,178,170,0.2);
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-top: 1rem;
}
.rate-box-label {
  font-size: 0.6875rem;
  font-weight: 700;
  color: var(--clr-primary);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.25rem;
}
.rate-box-value {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--clr-accent);
  letter-spacing: -0.02em;
}

/* Reset Button */
.btn-reset {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  width: 100%;
  background: transparent;
  color: var(--clr-text-muted);
  border: 1.5px dashed #cbd5e0;
  border-radius: var(--radius-sm);
  padding: 0.5rem 1rem;
  font-size: 0.8125rem;
  font-weight: 600;
  font-family: var(--font-sans);
  cursor: pointer;
  transition: color var(--dur) var(--ease), border-color var(--dur) var(--ease), background var(--dur) var(--ease);
  margin-top: 1rem;
}
.btn-reset:hover { color: var(--clr-error); border-color: var(--clr-error); background: rgba(229, 62, 62, 0.04); }
.btn-reset svg { width: 14px; height: 14px; }

/* ── Results Panel ───────────────────────────────────────────── */
.results-panel { display: flex; flex-direction: column; gap: 1.25rem; }

/* ── Summary Cards ───────────────────────────────────────────── */
.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.75rem;
}
@media (min-width: 560px)  { .summary-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 800px)  { .summary-grid { grid-template-columns: repeat(4, 1fr); } }

.summary-card {
  background: var(--clr-card);
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  border-left: 3px solid var(--clr-accent);
  box-shadow: var(--shadow-xs);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  overflow: hidden;
}
.summary-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.summary-card.card-highlight {
  border-left-color: var(--clr-primary);
  background: linear-gradient(135deg, #f0fdfa 0%, #ffffff 100%);
}

.card-label {
  display: block;
  font-size: 0.6375rem;
  font-weight: 700;
  color: var(--clr-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 0.3125rem;
}
.card-value {
  font-size: 1rem;
  font-weight: 800;
  color: var(--clr-primary);
  line-height: 1.25;
  word-break: break-all;
  transition: color 0.3s;
}
.card-value.val-accent { color: var(--clr-accent); font-size: 1.125rem; }

@keyframes pulse-highlight {
  0%, 100% { color: var(--clr-primary); }
  50%       { color: var(--clr-accent); }
}
.value-flash { animation: pulse-highlight 0.55s ease; }

/* ── Chart Cards ─────────────────────────────────────────────── */
.chart-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 600px) { .chart-grid { grid-template-columns: 1fr 1fr; } }

.chart-card {
  background: var(--clr-card);
  border-radius: var(--radius-lg);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-xs);
  padding: 1rem 1rem 0.75rem;
}
.chart-card h3 {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--clr-primary);
  margin-bottom: 0.75rem;
}
.chart-wrap { position: relative; height: 260px; }

/* ── Table Cards ─────────────────────────────────────────────── */
.table-card {
  background: var(--clr-card);
  border-radius: var(--radius-lg);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-xs);
  padding: 1rem;
  overflow: hidden;
}
.table-card h3 {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--clr-primary);
  margin-bottom: 0.75rem;
}
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.table-scroll-inner { max-height: 460px; overflow-y: auto; }

.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  min-width: 680px;
}
.amort-table th {
  background: var(--clr-primary);
  color: #fff;
  padding: 0.5625rem 0.625rem;
  text-align: right;
  font-weight: 700;
  font-size: 0.6625rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  position: sticky;
  top: 0;
  z-index: 2;
  white-space: nowrap;
  -webkit-print-color-adjust: exact;
  print-color-adjust: exact;
}
.amort-table th:first-child { text-align: center; }
.amort-table td {
  padding: 0.4375rem 0.625rem;
  text-align: right;
  border-bottom: 1px solid #edf2f7;
  font-weight: 500;
  color: #2d3748;
  white-space: nowrap;
}
.amort-table td:first-child {
  text-align: center;
  font-weight: 700;
  color: var(--clr-primary);
}
.amort-table tbody tr { transition: background var(--dur-fast); }
.amort-table tbody tr:hover { background: #f0fdfa; }
.amort-table tbody tr.is-balloon { background: var(--clr-balloon); }
.amort-table tbody tr.is-balloon:hover { background: #fde68a; }

/* ── Action Buttons ──────────────────────────────────────────── */
.action-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: var(--clr-primary);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 0.625rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 700;
  font-family: var(--font-sans);
  cursor: pointer;
  transition: background var(--dur) var(--ease), transform var(--dur-fast) var(--ease), box-shadow var(--dur) var(--ease);
  text-decoration: none;
}
.btn-primary:hover { background: #1A7A7A; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(15,76,92,0.25); }
.btn-primary:active { transform: translateY(0); }
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; transform: none; box-shadow: none; }
.btn-primary svg { width: 16px; height: 16px; flex-shrink: 0; }

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: #fff;
  color: var(--clr-primary);
  border: 2px solid var(--clr-primary);
  border-radius: var(--radius-sm);
  padding: 0.5625rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 700;
  font-family: var(--font-sans);
  cursor: pointer;
  transition: background var(--dur) var(--ease), transform var(--dur-fast) var(--ease);
}
.btn-secondary:hover { background: #f0fdfa; transform: translateY(-1px); }
.btn-secondary svg { width: 16px; height: 16px; flex-shrink: 0; }

/* PDF button stale-data indicator – pulsing dot when inputs changed */
#btnPDF[data-stale="1"] { position: relative; }
#btnPDF[data-stale="1"]::after {
  content: '';
  position: absolute;
  top: 6px;
  right: 6px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #f59e0b;
  animation: pulse-dot 1.4s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.5; transform: scale(1.5); }
}

/* ── Toast Notification ──────────────────────────────────────── */
.toast {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  background: var(--clr-primary);
  color: #fff;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.875rem;
  box-shadow: 0 4px 20px rgba(15, 76, 92, 0.35);
  z-index: 9999;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.28s var(--ease), transform 0.28s var(--ease);
  pointer-events: none;
  min-width: 180px;
  text-align: center;
}
.toast.is-visible { opacity: 1; transform: translateY(0); }

/* ── Content Sections ────────────────────────────────────────── */
.content-section {
  padding: 2.75rem 0;
  border-top: 1px solid var(--clr-border);
}

.section-badge {
  display: inline-block;
  background: var(--clr-accent-fade);
  color: var(--clr-accent);
  font-size: 0.6875rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  padding: 0.25rem 0.75rem;
  border-radius: 100px;
  margin-bottom: 0.75rem;
}
.section-heading {
  font-size: clamp(1.25rem, 2.8vw, 1.75rem);
  font-weight: 800;
  color: var(--clr-primary);
  letter-spacing: -0.025em;
  line-height: 1.25;
  margin-bottom: 0.75rem;
}
.section-lead {
  font-size: 0.9375rem;
  color: var(--clr-text-muted);
  line-height: 1.75;
  max-width: 700px;
}

/* ── Steps Grid ──────────────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 1.125rem;
  margin-top: 1.875rem;
}
.step-card {
  background: var(--clr-card);
  border-radius: var(--radius-lg);
  padding: 1.375rem 1.25rem;
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-xs);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.step-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.step-num {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--clr-primary), var(--clr-accent));
  color: #fff;
  font-size: 1.0625rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  box-shadow: 0 3px 10px rgba(15,76,92,0.25);
}
.step-title { font-size: 0.9375rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.375rem; }
.step-body  { font-size: 0.875rem; color: var(--clr-text-muted); line-height: 1.65; }

/* ── Benefits Grid ───────────────────────────────────────────── */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.125rem;
  margin-top: 1.875rem;
}
.benefit-card {
  background: var(--clr-card);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-xs);
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.benefit-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.benefit-icon {
  width: 46px;
  height: 46px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, rgba(15,76,92,0.09), rgba(32,178,170,0.14));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.benefit-icon svg { width: 22px; height: 22px; color: var(--clr-primary); }
.benefit-title { font-size: 0.9375rem; font-weight: 700; color: var(--clr-primary); margin-bottom: 0.3125rem; }
.benefit-body  { font-size: 0.875rem; color: var(--clr-text-muted); line-height: 1.6; }

/* ── FAQ Section ─────────────────────────────────────────────── */
.faq-list { margin: 1.875rem 0 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 0.75rem; }

.faq-item {
  background: var(--clr-card);
  border: 1px solid var(--clr-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.faq-item.is-open { box-shadow: var(--shadow-sm); border-color: rgba(32,178,170,0.3); }

.faq-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--clr-primary);
  text-align: left;
  gap: 1rem;
  transition: background var(--dur-fast) var(--ease);
}
.faq-btn:hover { background: #f7fdfc; }
.faq-btn[aria-expanded="true"] { color: var(--clr-primary); }

.faq-chevron {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--clr-accent-fade);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform var(--dur-slow) var(--ease), background var(--dur) var(--ease);
}
.faq-chevron svg { width: 14px; height: 14px; color: var(--clr-accent); transition: color var(--dur) var(--ease); }
.faq-item.is-open .faq-chevron { transform: rotate(180deg); background: var(--clr-accent); }
.faq-item.is-open .faq-chevron svg { color: #fff; }

.faq-body {
  display: none;
  padding: 0 1.25rem 1.125rem;
  font-size: 0.9rem;
  color: var(--clr-text-muted);
  line-height: 1.75;
  border-top: 1px solid #f0f0f0;
}
.faq-item.is-open .faq-body { display: block; }

/* ── CTA Banner ──────────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--clr-primary) 0%, var(--clr-primary-mid) 100%);
  border-radius: var(--radius-xl);
  padding: 2.25rem 2rem;
  text-align: center;
  margin: 2rem 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(32,178,170,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.cta-banner h2 {
  font-size: clamp(1.125rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 0.5rem;
  position: relative;
}
.cta-banner p {
  color: rgba(255,255,255,0.72);
  font-size: 0.9375rem;
  margin-bottom: 1.375rem;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}
.btn-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #fff;
  color: var(--clr-primary);
  border: none;
  border-radius: var(--radius-sm);
  padding: 0.75rem 2rem;
  font-size: 0.9375rem;
  font-weight: 800;
  font-family: var(--font-sans);
  cursor: pointer;
  text-decoration: none;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  position: relative;
}
.btn-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.18); text-decoration: none; color: var(--clr-primary); }
.btn-cta svg { width: 17px; height: 17px; }

/* ── Disclaimer ──────────────────────────────────────────────── */
.disclaimer {
  background: #fffbeb;
  border: 1px solid rgba(245, 158, 11, 0.4);
  border-radius: var(--radius-md);
  padding: 1.125rem 1.375rem;
  margin: 1.5rem 0;
}
.disclaimer h3 {
  font-size: 0.875rem;
  font-weight: 700;
  color: #92400e;
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.disclaimer p {
  font-size: 0.8125rem;
  color: #78350f;
  line-height: 1.7;
}

/* ── Site Footer ─────────────────────────────────────────────── */
.site-footer {
  background: var(--clr-primary);
  color: rgba(255,255,255,0.7);
  padding: 2.75rem 0 1.5rem;
  margin-top: 2.5rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 2.25rem;
}
@media (min-width: 720px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr; } }

.footer-logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  margin-bottom: 0.875rem;
}
.footer-logo svg { width: 28px; height: 28px; color: var(--clr-accent); }
.footer-logo-name { font-size: 1.0625rem; font-weight: 800; color: #fff; letter-spacing: -0.02em; }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; max-width: 280px; }

.footer-col-title {
  font-size: 0.75rem;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 0.875rem;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.85); transition: color var(--dur) var(--ease); text-decoration: none; }
.footer-links a:hover { color: var(--clr-accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.625rem;
  font-size: 0.8125rem;
}
.footer-bottom a { color: var(--clr-accent); }

/* ── Scrollbar ───────────────────────────────────────────────── */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: #f0f4f7; border-radius: 3px; }
::-webkit-scrollbar-thumb { background: #c1cdd6; border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--clr-accent); }


/* ── Mobile Optimizations ────────────────────────────────────── */
@media (max-width: 480px) {
  /* Header Stacking */
  .site-header { height: auto; padding: 0.75rem 0; }
  .site-header .container { flex-direction: column; gap: 0.5rem; justify-content: center; }
  .site-logo svg { width: 28px; height: 28px; }
  .logo-name { font-size: 1.1rem; }
  .logo-tagline { font-size: 0.7rem; }
  
  /* Typography & Spacing */
  .page-intro h1 { font-size: 2rem; }
  .page-intro p { font-size: 1rem; }
  .content-section { padding: 1.5rem 0; }
  
  /* Calculator Panel */
  .calc-wrapper { padding: 0; border-radius: 0; border-left: none; border-right: none; box-shadow: none; }
  .input-panel { padding: 1.25rem 1rem; }
  .results-panel { padding: 1.5rem 1rem; }
  
  /* Form Inputs (16px prevents iOS Safari auto-zoom) */
  .form-group input, .form-group select, .input-group input { font-size: 16px !important; }
  
  /* Buttons */
  .actions-row { flex-direction: column; }
  .actions-row .btn-primary, .actions-row .btn-secondary { width: 100%; justify-content: center; }
  
  /* Tables */
  .amort-table th, .amort-table td { padding: 0.5rem; font-size: 0.85rem; }
  .table-scroll { max-height: 400px; border-radius: 8px; }
  
  /* Summary Cards */
  .summary-value { font-size: 1.15rem; }
}

/* -- Print Styles -------------------------------------------------- */
@media print {
  @page { margin: 1.5cm 1cm; size: A4; }

  *, *::before, *::after {
    -webkit-print-color-adjust: exact !important;
    print-color-adjust: exact !important;
  }

  body { background: #fff !important; color: #111 !important; font-size: 10pt !important; }

  .site-header,
  .breadcrumb-nav,
  .ad-slot,
  .actions-row,
  .action-row,
  .site-footer,
  .content-section,
  .cta-banner,
  .skip-link,
  .no-print,
  .input-panel { display: none !important; }

  .container { max-width: 100% !important; padding: 0 !important; }
  .results-panel { display: block !important; width: 100% !important; padding: 0 !important; }

  .grid-cols-2,
  .grid-cols-4 { display: flex !important; flex-wrap: wrap !important; gap: 8px !important; }

  .summary-card {
    width: calc(50% - 4px) !important;
    box-shadow: none !important;
    border: 1px solid #ccc !important;
    break-inside: avoid !important;
    margin-bottom: 6px !important;
    padding: 10px 12px !important;
  }

  .chart-grid { display: flex !important; flex-wrap: wrap !important; gap: 10px !important; }
  .chart-card {
    width: calc(50% - 5px) !important;
    box-shadow: none !important;
    border: 1px solid #ccc !important;
    break-inside: avoid !important;
    padding: 8px !important;
  }
  canvas { max-width: 100% !important; height: auto !important; }

  /* KEY FIX: unlock the 460px scrollable container so ALL months print */
  .table-scroll { overflow: visible !important; }
  .table-scroll-inner {
    max-height: none !important;
    height: auto !important;
    overflow: visible !important;
  }

  /* Allow the amortization card to flow across many pages */
  .table-card {
    box-shadow: none !important;
    border: 1px solid #ccc !important;
    overflow: visible !important;
    break-inside: auto !important;
    page-break-inside: auto !important;
  }

  .amort-table {
    font-size: 8pt !important;
    width: 100% !important;
    border-collapse: collapse !important;
  }
  .amort-table th {
    background: #0f4c5c !important;
    color: #fff !important;
    padding: 5px 6px !important;
    font-size: 8pt !important;
  }
  .amort-table td {
    padding: 4px 6px !important;
    font-size: 8pt !important;
  }
  .amort-table td,
  .amort-table th { border: 1px solid #ccc !important; }
  .amort-table tbody tr.is-balloon { background: #fef9c3 !important; }

  /* Repeat column headers on every new printed page */
  thead { display: table-header-group !important; }
  tfoot { display: table-footer-group !important; }
  tr { page-break-inside: avoid !important; break-inside: avoid !important; }

  .table-card,
  .chart-grid,
  .summary-grid { margin-bottom: 16pt !important; }
}