/* ── Calculator ──────────────────────────────────────────────── */
.calc-section { background: var(--cream); }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }

.calc-panel { background: white; border-radius: 16px; border: 1px solid var(--silver-light); padding: 40px; box-shadow: 0 4px 24px -8px rgba(0,38,74,0.07); }
.calc-panel-title { font-family: 'Poppins', sans-serif; font-size: 19px; font-weight: 500; color: var(--navy); margin: 0 0 32px; padding-bottom: 20px; border-bottom: 1px solid var(--silver-light); display: flex; align-items: center; gap: 12px; }
.panel-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--blue-soft); display: flex; align-items: center; justify-content: center; color: var(--blue); flex-shrink: 0; }

.calc-fields { display: flex; flex-direction: column; gap: 22px; }
.calc-field label { display: block; font-size: 11px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.calc-input-wrap { position: relative; }
.calc-input-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-size: 15px; color: var(--muted); font-weight: 500; pointer-events: none; }
.calc-input-suffix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: 12px; color: var(--silver); font-weight: 600; letter-spacing: 0.04em; pointer-events: none; }
.calc-input {
  width: 100%; padding: 14px 16px; font-size: 16px; font-family: 'Inter', sans-serif; font-weight: 500;
  color: var(--ink); background: var(--silver-lighter); border: 1.5px solid var(--silver-light);
  border-radius: 8px; outline: none; transition: border-color 0.2s, background 0.2s, box-shadow 0.2s;
  -moz-appearance: textfield;
}
.calc-input::-webkit-outer-spin-button,
.calc-input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.calc-input:focus { border-color: var(--blue); background: white; box-shadow: 0 0 0 3px rgba(33,125,201,0.12); }
.calc-input.has-prefix { padding-left: 30px; }
.calc-input.has-suffix { padding-right: 56px; }

.term-buttons { display: flex; gap: 8px; margin-top: 10px; flex-wrap: wrap; }
.term-btn { padding: 7px 14px; font-size: 12px; font-weight: 600; border: 1.5px solid var(--silver-light); border-radius: 6px; background: white; color: var(--muted); cursor: pointer; transition: all 0.18s; font-family: inherit; }
.term-btn:hover { border-color: var(--blue); color: var(--blue); }
.term-btn.active { border-color: var(--blue); background: var(--blue); color: white; }

.calc-actions { display: flex; gap: 12px; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--silver-light); }
.calc-btn-go { flex: 1; padding: 15px 24px; background: var(--blue); color: white; font-size: 14px; font-weight: 600; font-family: inherit; border: none; border-radius: 8px; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 8px; transition: all 0.22s; box-shadow: 0 4px 16px -6px rgba(33,125,201,0.5); }
.calc-btn-go:hover { background: var(--blue-hover); transform: translateY(-1px); }
.calc-btn-reset { padding: 15px 20px; background: transparent; color: var(--muted); font-size: 13px; font-weight: 600; font-family: inherit; border: 1.5px solid var(--silver-light); border-radius: 8px; cursor: pointer; transition: all 0.18s; }
.calc-btn-reset:hover { border-color: var(--silver); color: var(--navy); }

.calc-error { display: none; align-items: center; gap: 10px; padding: 13px 16px; margin-bottom: 22px; background: #fff5f5; border: 1.5px solid #fecaca; border-radius: 8px; font-size: 13px; color: #dc2626; }
.calc-error.show { display: flex; }

/* ── Results Panel ──────────────────────────────────────────── */
.calc-results { display: flex; flex-direction: column; gap: 18px; }
.result-main { background: var(--navy); border-radius: 16px; padding: 36px; color: white; position: relative; overflow: hidden; min-height: 180px; display: flex; align-items: center; }
.result-main::before { content: ''; position: absolute; top: -80px; right: -80px; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(33,125,201,0.3) 0%, transparent 70%); pointer-events: none; }
.result-main::after  { content: ''; position: absolute; bottom: -60px; left: -60px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, rgba(33,125,201,0.12) 0%, transparent 70%); pointer-events: none; }
.result-inner { position: relative; z-index: 1; width: 100%; }
.result-label { font-size: 11px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.55); margin-bottom: 10px; }
.result-amount { font-family: 'Poppins', sans-serif; font-size: clamp(44px, 6vw, 64px); font-weight: 500; color: white; line-height: 1; letter-spacing: -0.025em; margin-bottom: 6px; }
.result-period { font-size: 14px; color: rgba(255,255,255,0.5); margin-bottom: 24px; }
.result-meta { display: flex; gap: 28px; flex-wrap: wrap; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.12); }
.meta-item .meta-lbl { font-size: 11px; color: rgba(255,255,255,0.4); display: block; margin-bottom: 2px; }
.meta-item .meta-val { font-size: 14px; font-weight: 600; color: white; }
.result-empty { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 14px; padding: 20px; text-align: center; width: 100%; }
.result-empty-icon { width: 52px; height: 52px; border-radius: 50%; background: rgba(255,255,255,0.06); display: flex; align-items: center; justify-content: center; }
.result-empty p { font-size: 14px; color: rgba(255,255,255,0.5); max-width: 240px; line-height: 1.6; margin: 0; }

.result-comparison { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.result-term-card { background: white; border: 1.5px solid var(--silver-light); border-radius: 12px; padding: 22px 16px; text-align: center; transition: all 0.25s; }
.result-term-card:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: 0 12px 30px -12px rgba(33,125,201,0.18); }
.result-term-card.highlighted { border-color: var(--blue); background: var(--blue-soft); }
.term-card-label { font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
.term-card-amount { font-family: 'Poppins', sans-serif; font-size: 22px; font-weight: 500; color: var(--navy); letter-spacing: -0.02em; margin-bottom: 3px; }
.term-card-sub { font-size: 11px; color: var(--silver); }

.disclaimer-box { background: var(--silver-lighter); border: 1px solid var(--silver-light); border-radius: 10px; padding: 20px 24px; display: flex; gap: 14px; align-items: flex-start; }
.disclaimer-box svg { flex-shrink: 0; color: var(--silver); margin-top: 1px; }
.disclaimer-box p { font-size: 12px; color: var(--muted); line-height: 1.7; margin: 0; }

/* ── How It Works ───────────────────────────────────────────── */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step-card { background: white; border: 1px solid var(--silver-light); border-radius: 12px; padding: 34px 28px; }
.step-num { font-family: 'Poppins', sans-serif; font-size: 48px; font-weight: 300; font-style: italic; color: var(--blue); opacity: 0.35; line-height: 1; margin-bottom: 18px; }
.step-card h4 { font-family: 'Poppins', sans-serif; font-size: 18px; font-weight: 500; color: var(--navy); margin: 0 0 10px; }
.step-card p { font-size: 14px; color: var(--muted); line-height: 1.65; margin: 0; }

/* ── Calculator CTA ─────────────────────────────────────────── */
.calc-cta { background: var(--navy-deep); color: white; padding: 100px 0; text-align: center; position: relative; overflow: hidden; }
.calc-cta::before { content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); width: 1000px; height: 1000px; border-radius: 50%; border: 1px solid rgba(33,125,201,0.07); pointer-events: none; }
.calc-cta::after  { content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); width: 650px; height: 650px; border-radius: 50%; border: 1px solid rgba(33,125,201,0.1); pointer-events: none; }
.calc-cta-wrap { position: relative; z-index: 1; max-width: 600px; margin: 0 auto; }
.calc-cta-eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 12px; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase; color: var(--blue); margin-bottom: 22px; }
.calc-cta-title { font-family: 'Poppins', sans-serif; font-size: clamp(32px, 4vw, 48px); font-weight: 400; line-height: 1.1; color: white; margin: 0 0 20px; letter-spacing: -0.015em; }
.calc-cta-title em { font-style: italic; font-weight: 300; color: var(--blue); }
.calc-cta-sub { font-size: 17px; color: rgba(255,255,255,0.7); line-height: 1.65; margin: 0 0 36px; }
.calc-cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .calc-layout { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 16px; }
  .step-card { padding: 26px 22px; }
}
@media (max-width: 640px) {
  .calc-panel { padding: 24px 18px; }
  .result-main { padding: 26px 22px; }
  .result-amount { font-size: 40px; }
  .result-comparison { gap: 10px; }
  .term-card-amount { font-size: 18px; }
  .result-term-card { padding: 18px 10px; }
  .calc-cta-btns { flex-direction: column; align-items: stretch; }
  .calc-cta-btns .btn { justify-content: center; }
}