/* ========== Calculator Page ========== */
.page-calc{ background: #ffffff; }

/* Hero */
.calc-hero{
  position: relative;
  padding: 140px 0 36px;
  background: linear-gradient(180deg, #f4f8fd 0%, #ffffff 100%);
  overflow: hidden;
}
.calc-hero-bg{position: absolute; inset: 0; pointer-events: none; overflow: hidden}
.calc-orb{position: absolute; border-radius: 50%; filter: blur(100px); opacity: .55}
.calc-orb-a{width: 460px; height: 460px; background: rgba(5,68,139,.1); top: -160px; left: -120px}
.calc-orb-b{width: 380px; height: 380px; background: rgba(28,115,214,.1); top: 0; right: -100px}
.calc-grid-mask{
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(5,68,139,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(5,68,139,.04) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 30%, transparent 80%);
}
.calc-hero .container{position: relative; z-index: 1}

.calc-eyebrow{
  display: inline-block;
  font-size: 11px; letter-spacing: .26em; text-transform: uppercase;
  font-weight: 700; color: var(--brand);
  padding: 6px 14px; border: 1px solid rgba(5,68,139,.2);
  border-radius: 999px; margin-bottom: 18px;
  background: rgba(255,255,255,.7);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
}
.calc-accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.calc-hero-head{text-align: center; max-width: 760px; margin: 0 auto 32px}
.calc-hero-head h1{font-size: clamp(28px, 3.6vw, 44px); font-weight: 700; letter-spacing: -0.025em; line-height: 1.1; margin-bottom: 14px}
.calc-hero-head p{font-size: 14.5px; color: var(--muted); line-height: 1.7}

.calc-currency{display: inline-flex; align-items: center; gap: 10px; margin-top: 18px; font-size: 12px; color: var(--muted)}

/* Tool tabs */
.calc-tabs{
  display: flex; gap: 4px; padding: 5px;
  background: #fff; border: 1px solid var(--line);
  border-radius: 14px; width: fit-content; margin: 0 auto;
  box-shadow: 0 6px 22px rgba(5,68,139,.08);
  flex-wrap: wrap; justify-content: center;
}
.calc-tab{
  display: inline-flex; align-items: center; gap: 7px;
  padding: 9px 16px; border-radius: 10px;
  background: transparent; color: var(--muted);
  font-size: 13px; font-weight: 600;
  transition: all .25s; cursor: pointer; border: 0;
}
.calc-tab svg{width: 15px; height: 15px}
.calc-tab:hover{color: var(--brand); background: var(--brand-light)}
.calc-tab.active{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff; box-shadow: 0 6px 16px rgba(5,68,139,.3);
}

.calc-sub-tabs{margin: 32px auto 24px}

/* Main */
.calc-main{position: relative; padding: 48px 0 96px; background: #ffffff}

.calc-title-row{
  display: flex; justify-content: space-between; align-items: flex-end;
  gap: 24px; flex-wrap: wrap; margin-bottom: 28px;
}
.calc-title-row h2{font-size: clamp(22px, 2.4vw, 30px); font-weight: 700; letter-spacing: -0.02em; margin-bottom: 4px}
.calc-title-row p{font-size: 14px; color: var(--muted)}
.calc-actions{display: flex; gap: 8px}
.calc-icon-btn{
  width: 38px; height: 38px; border-radius: 10px;
  background: #fff; border: 1px solid var(--line); color: var(--ink);
  display: inline-flex; align-items: center; justify-content: center;
  cursor: pointer; transition: all .2s;
}
.calc-icon-btn svg{width: 16px; height: 16px}
.calc-icon-btn:hover{background: var(--brand-light); color: var(--brand); border-color: rgba(5,68,139,.2)}
.calc-icon-btn--primary{background: linear-gradient(135deg, #05448b, #1c73d6); color: #fff; border-color: transparent}
.calc-icon-btn--primary:hover{color: #fff; opacity: .92}

/* Layout */
.calc-layout{display: grid; grid-template-columns: 1fr 360px; gap: 24px; align-items: start}
.calc-layout--full{grid-template-columns: 1fr 380px}

/* Mode selector */
.calc-mode-grid{display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 16px}
.calc-mode{
  position: relative; padding: 18px 12px;
  background: #fff; border: 1px solid var(--line);
  border-radius: 14px; text-align: center; cursor: pointer;
  transition: all .25s; display: flex; flex-direction: column;
  align-items: center; gap: 6px;
}
.calc-mode-icon{
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--brand-light); color: var(--brand);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 4px; transition: all .25s;
}
.calc-mode-icon svg{width: 18px; height: 18px}
.calc-mode strong{font-size: 13px; color: var(--ink)}
.calc-mode span{font-size: 11px; color: var(--muted)}
.calc-mode:hover{border-color: rgba(5,68,139,.25); transform: translateY(-2px)}
.calc-mode.active{
  border-color: transparent;
  background: linear-gradient(135deg, rgba(5,68,139,.04), rgba(28,115,214,.06));
  box-shadow: 0 0 0 2px var(--brand) inset, 0 8px 22px rgba(5,68,139,.12);
}
.calc-mode.active .calc-mode-icon{background: linear-gradient(135deg, #05448b, #1c73d6); color: #fff}

/* Card */
.calc-card{background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px; margin-bottom: 16px}
.calc-card--accent{background: linear-gradient(180deg, #fffaf3, #fff); border-color: rgba(245,166,35,.25)}
.calc-card--existing{background: linear-gradient(180deg, #fff7f0, #fff); border-color: rgba(245,166,35,.25)}
.calc-card--new{background: linear-gradient(180deg, #f0fbf4, #fff); border-color: rgba(34,197,94,.25)}
.calc-card--tabs{padding: 0; overflow: hidden}
.calc-card--tabs .calc-extras-body{padding: 22px}

.calc-card-head{display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; gap: 16px; flex-wrap: wrap}
.calc-card-title{display: flex; align-items: center; gap: 10px}
.calc-card-icon{
  width: 28px; height: 28px; border-radius: 8px;
  background: rgba(245,166,35,.15); color: #d68910;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 13px;
}
.calc-card-title strong{font-size: 14px; color: var(--ink)}

/* Headings inside cards */
.calc-h3{font-size: 15px; font-weight: 700; margin-bottom: 14px; color: var(--ink)}
.calc-h4{font-size: 13px; font-weight: 700; color: var(--ink); margin: 18px 0 10px; letter-spacing: .02em}

/* Rows / fields */
.calc-row{display: grid; gap: 14px}
.calc-row + .calc-row{margin-top: 14px}
.calc-row-2{grid-template-columns: 1fr 1fr}
.calc-row-3{grid-template-columns: 1fr 1fr 1fr}

.calc-field{display: flex; flex-direction: column; gap: 6px}
.calc-field--full{grid-column: 1 / -1}
.calc-field label{font-size: 12px; font-weight: 600; color: var(--muted)}
.calc-field input,
.calc-field select{
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--line); border-radius: 10px;
  font-size: 15px; font-family: inherit; font-weight: 600;
  color: var(--ink); background: #fafbfd; transition: all .2s;
}
.calc-field input:focus,
.calc-field select:focus{
  outline: none; border-color: var(--brand);
  background: #fff; box-shadow: 0 0 0 3px rgba(5,68,139,.1);
}
.calc-field input:disabled{background: #f4f8fd; color: var(--brand); font-weight: 700; cursor: default}

.calc-tenor{display: flex; gap: 8px; align-items: center}
.calc-tenor input{flex: 1}

/* Toggle pill */
.calc-toggle{display: inline-flex; background: var(--brand-light); padding: 3px; border-radius: 10px; flex-shrink: 0}
.calc-toggle button{
  padding: 8px 14px; border: 0; background: transparent;
  border-radius: 8px; font-size: 12px; font-weight: 600;
  color: var(--muted); cursor: pointer; transition: all .2s;
  display: inline-flex; align-items: center; gap: 4px; font-family: inherit;
}
.calc-toggle button svg{width: 12px; height: 12px}
.calc-toggle button.active{
  background: #fff; color: var(--brand);
  box-shadow: 0 2px 6px rgba(5,68,139,.12);
}

/* Loan amount display */
.calc-loan-display{
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 16px; margin-top: 14px;
  background: linear-gradient(135deg, var(--brand-light), rgba(28,115,214,.08));
  border-radius: 10px; border: 1px dashed rgba(5,68,139,.25);
}
.calc-loan-display--alt{flex-direction: row; gap: 18px}
.calc-loan-display--alt > div{flex: 1; display: flex; flex-direction: column; gap: 2px}
.calc-loan-label{font-size: 11px; color: var(--muted); font-weight: 600; letter-spacing: .04em; text-transform: uppercase}
.calc-loan-value{font-size: 18px; font-weight: 700; color: var(--brand)}
.calc-mini{font-size: 14px; font-weight: 600; color: var(--ink)}

/* Extras tabs */
.calc-extras-tabs{display: flex; gap: 0; border-bottom: 1px solid var(--line); padding: 0 14px}
.calc-extra-tab{
  padding: 14px 18px; border: 0; background: transparent;
  font-size: 13px; font-weight: 600; color: var(--muted);
  display: inline-flex; align-items: center; gap: 8px;
  position: relative; cursor: pointer; border-bottom: 2px solid transparent;
  font-family: inherit;
}
.calc-extra-tab svg{width: 14px; height: 14px}
.calc-extra-tab:hover{color: var(--brand)}
.calc-extra-tab.active{color: var(--brand); border-bottom-color: var(--brand)}
.calc-dot{width: 6px; height: 6px; background: #d1d8e0; border-radius: 50%; margin-left: 2px; transition: background .2s}
.calc-dot[data-on="true"]{background: #22c55e}
.calc-extra-pane{display: none}
.calc-extra-pane.active{display: block}

.calc-extra-row{
  display: flex; justify-content: space-between; align-items: center;
  padding: 4px 0;
}
.calc-extra-row > span{font-size: 14px; font-weight: 600; color: var(--ink)}
.calc-note{font-size: 12px; color: var(--muted); margin-top: 12px; padding-top: 12px; border-top: 1px dashed var(--line)}

/* Switch */
.calc-switch{display: inline-flex; align-items: center; gap: 10px; cursor: pointer; user-select: none}
.calc-switch input{display: none}
.calc-switch-track{
  position: relative; width: 42px; height: 22px;
  background: #d1d8e0; border-radius: 999px;
  transition: background .25s; display: inline-block;
}
.calc-switch-thumb{
  position: absolute; top: 2px; left: 2px;
  width: 18px; height: 18px; background: #fff;
  border-radius: 50%; transition: transform .25s;
  box-shadow: 0 2px 6px rgba(0,0,0,.2);
}
.calc-switch input:checked + .calc-switch-track{background: var(--brand)}
.calc-switch input:checked + .calc-switch-track .calc-switch-thumb{transform: translateX(20px)}
.calc-switch-label{font-size: 13px; color: var(--muted); font-weight: 500}
.calc-switch--sm .calc-switch-track{width: 36px; height: 20px}
.calc-switch--sm .calc-switch-thumb{width: 16px; height: 16px}
.calc-switch--sm input:checked + .calc-switch-track .calc-switch-thumb{transform: translateX(16px)}

/* Toggle card (insurance/property sub-rows) */
.calc-toggle-card{
  background: #fafbfd; border: 1px solid var(--line);
  border-radius: 12px; padding: 16px; margin-top: 14px;
}
.calc-toggle-card-head{display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px}

/* Radio group */
.calc-radio-group{display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 16px}
.calc-radio-group label{
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 14px; background: #fafbfd; border: 1px solid var(--line);
  border-radius: 10px; font-size: 13px; font-weight: 500;
  cursor: pointer; transition: all .2s;
}
.calc-radio-group label:has(input:checked){
  border-color: var(--brand); background: var(--brand-light); color: var(--brand);
  font-weight: 600;
}
.calc-radio-group input{accent-color: var(--brand)}

/* Add buttons / collapsible cards (DBR) */
.calc-collapse-card{
  background: #fafbfd; border: 1px solid var(--line);
  border-radius: 12px; padding: 16px;
}
.calc-collapse-head{display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px}
.calc-collapse-head strong{font-size: 14px; color: var(--ink)}
.calc-collapse-head span{font-size: 12px; color: var(--muted); font-variant-numeric: tabular-nums; font-weight: 600}
.calc-rows{display: flex; flex-direction: column; gap: 8px}
.calc-row-card{
  display: grid; grid-template-columns: 1fr 90px 70px 24px;
  gap: 6px; padding: 8px; background: #fff;
  border: 1px solid var(--line); border-radius: 8px;
  align-items: center;
}
.calc-row-card select,
.calc-row-card input{padding: 8px 10px; font-size: 13px; border: 1px solid var(--line); border-radius: 6px; background: #fff; font-weight: 500}
.calc-row-card input:focus,
.calc-row-card select:focus{outline: none; border-color: var(--brand)}
.calc-row-remove{
  width: 24px; height: 24px; border: 0; background: #fdecec;
  color: #c94545; border-radius: 6px; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 14px; line-height: 1;
}
.calc-row-remove:hover{background: #fbd5d5}
.calc-add-btn{
  width: 100%; padding: 10px; margin-top: 10px;
  border: 1px dashed rgba(5,68,139,.3); background: transparent;
  border-radius: 10px; color: var(--brand); font-weight: 600;
  font-size: 13px; cursor: pointer; transition: all .2s; font-family: inherit;
}
.calc-add-btn:hover{background: var(--brand-light); border-color: var(--brand)}
.calc-mini-summary{
  margin-top: 10px; padding: 10px; background: var(--brand-light);
  border-radius: 8px; display: flex; justify-content: space-between;
  align-items: center; font-size: 13px;
}
.calc-mini-summary strong{color: var(--brand); font-variant-numeric: tabular-nums}

/* Sticky results */
.calc-results{position: sticky; top: 100px; display: flex; flex-direction: column; gap: 14px}

/* Summary cards */
.calc-summary{background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px}
.calc-summary--primary{background: linear-gradient(160deg, #fff, var(--brand-light)); border-color: rgba(5,68,139,.15)}
.calc-summary--total{padding: 16px 20px}
.calc-summary--metric{padding: 14px 16px; display: flex; flex-direction: column; gap: 4px}
.calc-summary--ok{border-color: rgba(34,197,94,.4); background: linear-gradient(160deg, #fff, #f0fbf4)}
.calc-summary--warn{border-color: rgba(245,166,35,.4); background: linear-gradient(160deg, #fff, #fffaf0)}
.calc-summary--info{border-color: rgba(28,115,214,.3); background: linear-gradient(160deg, #fff, #eef4fc)}

.calc-summary-head{
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: .14em;
  color: var(--muted); margin-bottom: 12px;
}
.calc-summary-head svg{width: 14px; height: 14px}
.calc-summary-head--plain{color: var(--muted)}

.calc-monthly{font-size: 28px; font-weight: 700; letter-spacing: -0.02em; color: var(--brand); margin-bottom: 12px; line-height: 1; font-variant-numeric: tabular-nums}
.calc-monthly--total{
  font-size: 22px;
  background: linear-gradient(135deg, #05448b, #1c73d6);
  -webkit-background-clip: text; background-clip: text; color: transparent;
  margin-bottom: 0;
}

.calc-metric-label{font-size: 11px; font-weight: 700; letter-spacing: .12em; color: var(--muted); text-transform: uppercase}
.calc-metric-num{font-size: 22px; font-weight: 700; color: var(--brand); letter-spacing: -0.01em; line-height: 1.1; font-variant-numeric: tabular-nums}
.calc-metric-sub{font-size: 11px; color: var(--muted)}
.calc-summary--ok .calc-metric-num{color: #16a34a}
.calc-summary--warn .calc-metric-num{color: #d97706}

.calc-summary-row{
  display: flex; justify-content: space-between; align-items: center;
  padding: 8px 0; border-bottom: 1px solid rgba(5,68,139,.06); font-size: 13px;
}
.calc-summary-row:last-child{border-bottom: 0}
.calc-summary-row > span{color: var(--muted); display: flex; align-items: center; gap: 6px}
.calc-summary-row > strong{color: var(--ink); font-weight: 600; font-variant-numeric: tabular-nums}
.calc-summary-row--accent > span{color: var(--ink); font-weight: 600}
.calc-summary-row--accent > strong{color: var(--brand); font-weight: 700}
.calc-summary-row--sub{padding: 4px 0; font-size: 12px}
.calc-summary-row--sub > span{color: var(--muted); padding-left: 18px}
.calc-summary-row--sub > strong{color: var(--ink); font-weight: 500; opacity: .8}
.calc-summary-row .warn{color: #d97706}
.calc-chip{
  display: inline-block; font-size: 10px; padding: 2px 7px;
  border-radius: 6px; background: #d1fae5; color: #047857;
  font-weight: 700; letter-spacing: .04em; margin-left: 6px;
}

/* Grid metrics */
.calc-grid-2{display: grid; grid-template-columns: 1fr 1fr; gap: 12px}

/* Status card */
.calc-status-card{
  padding: 18px 20px; border-radius: 14px;
  background: linear-gradient(135deg, #f0fbf4, #fff);
  border: 1px solid rgba(34,197,94,.3);
  display: flex; flex-direction: column; gap: 6px;
}
.calc-status-card.bad{
  background: linear-gradient(135deg, #fef2f2, #fff);
  border-color: rgba(220,38,38,.3);
}
.calc-status-card strong{font-size: 14px; color: #16a34a}
.calc-status-card.bad strong{color: #dc2626}
.calc-status-card span{font-size: 12.5px; color: var(--muted); line-height: 1.55}

/* DBR pill */
.calc-dbr-pill{background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 16px 20px}
.calc-dbr-head{display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px}
.calc-dbr-head span{font-size: 11px; color: var(--muted); font-weight: 700; letter-spacing: .12em; text-transform: uppercase}
.calc-dbr-head strong{font-size: 22px; font-weight: 700; color: var(--brand)}
.calc-dbr-bar{height: 6px; background: var(--brand-light); border-radius: 3px; overflow: hidden; margin-bottom: 8px}
.calc-dbr-fill{height: 100%; width: 0; background: linear-gradient(90deg, #22c55e 0%, #f5a623 70%, #ef4444 100%); border-radius: 3px; transition: width .4s ease}
.calc-dbr-status{font-size: 11.5px; color: var(--muted)}

/* BT Pair */
.calc-bt-pair > .calc-card{margin-bottom: 0}

/* Bottom tabs */
.calc-bottom{margin-top: 36px; background: #fff; border: 1px solid var(--line); border-radius: 18px; overflow: hidden}
.calc-bottom-tabs{display: grid; grid-template-columns: repeat(4, 1fr); border-bottom: 1px solid var(--line); background: #fafbfd}
.calc-bottom-tab{
  padding: 16px 12px; border: 0; background: transparent;
  font-size: 13px; font-weight: 600; color: var(--muted);
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; cursor: pointer; border-bottom: 2px solid transparent;
  transition: all .2s; font-family: inherit;
}
.calc-bottom-tab svg{width: 16px; height: 16px}
.calc-bottom-tab:hover{color: var(--brand); background: rgba(5,68,139,.04)}
.calc-bottom-tab.active{color: var(--brand); border-bottom-color: var(--brand); background: #fff}
.calc-bottom-pane{display: none; padding: 28px}
.calc-bottom-pane.active{display: block}
.calc-bottom-pane h3{font-size: 17px; font-weight: 700; margin-bottom: 18px}

/* Tables */
.calc-table{display: flex; flex-direction: column}
.calc-table-row{display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 14px}
.calc-table-row:last-child{border-bottom: 0}
.calc-table-row > span{color: var(--ink); font-weight: 500}
.calc-table-row > strong{color: var(--ink); font-weight: 700; font-variant-numeric: tabular-nums}
.calc-table-row .warn{color: #d97706}
.calc-table-row--sub > span{color: var(--muted); padding-left: 16px; font-size: 13px}
.calc-table-row--sub > strong{font-weight: 500; opacity: .8; font-size: 13px}
.calc-table-row--total{
  background: var(--brand-light); margin-top: 8px;
  padding: 14px 16px; border-radius: 10px; border-bottom: 0;
}
.calc-table-row--total > span,
.calc-table-row--total > strong{color: var(--brand); font-weight: 700; font-size: 15px}

/* Donut */
.calc-chart-wrap{display: grid; grid-template-columns: 280px 1fr; gap: 36px; align-items: center}
.calc-donut{
  position: relative; width: 240px; height: 240px;
  border-radius: 50%;
  background: conic-gradient(#05448b 0deg 0deg, #d1d8e0 0deg 360deg);
  display: flex; align-items: center; justify-content: center;
  transition: background .5s ease;
}
.calc-donut::before{content: ""; position: absolute; inset: 24px; background: #fff; border-radius: 50%}
.calc-donut-center{position: relative; z-index: 1; text-align: center}
.calc-donut-label{font-size: 11px; color: var(--muted); letter-spacing: .14em; text-transform: uppercase; font-weight: 600; display: block; margin-bottom: 4px}
.calc-donut-center strong{font-size: 22px; font-weight: 700; color: var(--brand); letter-spacing: -0.01em}
.calc-legend{list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px}
.calc-legend li{display: grid; grid-template-columns: 14px 1fr auto; gap: 12px; align-items: center; font-size: 13px}
.calc-legend-swatch{width: 14px; height: 14px; border-radius: 4px}
.calc-legend strong{font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums}

/* Bar chart */
.calc-bar-chart{
  display: flex; gap: 4px; align-items: flex-end;
  height: 180px; padding: 12px 0;
  border-bottom: 1px solid var(--line);
  border-left: 1px solid var(--line);
  margin-top: 16px;
}
.calc-bar{
  flex: 1; min-width: 0;
  display: flex; flex-direction: column; justify-content: flex-end;
  gap: 1px; position: relative;
  border-radius: 3px 3px 0 0; overflow: hidden;
}
.calc-bar-principal{background: #05448b}
.calc-bar-interest{background: #f5a623}
.calc-bar-tooltip{
  position: absolute; bottom: 100%; left: 50%; transform: translateX(-50%);
  background: var(--ink); color: #fff; font-size: 11px;
  padding: 4px 8px; border-radius: 4px; white-space: nowrap;
  opacity: 0; pointer-events: none; transition: opacity .2s;
}
.calc-bar:hover .calc-bar-tooltip{opacity: 1}

/* Schedule */
.calc-schedule-head{display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 18px}
.calc-schedule-head h3{margin: 0}
.calc-schedule-wrap{overflow-x: auto; border: 1px solid var(--line); border-radius: 10px; max-height: 480px; overflow-y: auto}
.calc-schedule{width: 100%; border-collapse: collapse; font-size: 13px}
.calc-schedule th,
.calc-schedule td{padding: 10px 14px; text-align: right; border-bottom: 1px solid var(--line); font-variant-numeric: tabular-nums; white-space: nowrap}
.calc-schedule th:first-child,
.calc-schedule td:first-child{text-align: left; font-weight: 600}
.calc-schedule thead{background: #fafbfd; position: sticky; top: 0; z-index: 1}
.calc-schedule th{font-weight: 700; color: var(--muted); font-size: 11px; letter-spacing: .06em; text-transform: uppercase}
.calc-schedule tr:last-child td{border-bottom: 0}
.calc-schedule tr:hover{background: var(--brand-light)}

.calc-counter{font-size: 11px; color: var(--muted); font-weight: 500; margin-left: 8px}

/* Tips */
.calc-tips{display: grid; grid-template-columns: 1fr 1fr; gap: 14px}
.calc-tip{
  padding: 18px; border-radius: 12px;
  background: var(--brand-light); border: 1px solid rgba(5,68,139,.12);
  display: flex; gap: 14px;
}
.calc-tip-icon{
  width: 36px; height: 36px; border-radius: 10px;
  background: #fff; color: var(--brand);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.calc-tip-icon svg{width: 18px; height: 18px}
.calc-tip strong{display: block; font-size: 14px; margin-bottom: 4px}
.calc-tip span{font-size: 13px; color: var(--muted); line-height: 1.55}

/* ROI Projections */
.calc-projections{display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px}
.calc-proj{
  background: linear-gradient(160deg, #fff, var(--brand-light));
  border: 1px solid rgba(5,68,139,.15); border-radius: 14px; padding: 18px;
}
.calc-proj h4{font-size: 14px; font-weight: 700; color: var(--brand); margin-bottom: 12px}
.calc-proj .calc-summary-row{font-size: 12px}

/* Doc list */
.calc-doc-result{margin-top: 22px; background: var(--brand-light); border: 1px solid rgba(5,68,139,.15); border-radius: 12px; padding: 18px}
.calc-doc-head{display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px}
.calc-doc-section{margin-bottom: 14px}
.calc-doc-section strong{display: block; font-size: 12px; color: var(--brand); letter-spacing: .1em; text-transform: uppercase; margin-bottom: 6px}
.calc-doc-section ul{list-style: none; padding: 0; margin: 0}
.calc-doc-section li{padding: 4px 0; font-size: 13px; color: var(--ink); display: flex; gap: 8px; align-items: flex-start}
.calc-doc-section li::before{content: "✓"; color: #22c55e; font-weight: 700}

/* Select */
.calc-select{
  padding: 8px 12px; border: 1px solid var(--line); border-radius: 8px;
  font-size: 13px; font-family: inherit; font-weight: 500;
  color: var(--ink); background: #fff; cursor: pointer;
}
.calc-select:focus{outline: none; border-color: var(--brand)}

/* Ref panes */
.calc-ref-pane{display: none}
.calc-ref-pane.active{display: block}

/* FAQ */
.calc-faq{padding: 80px 0; background: linear-gradient(180deg, #fff, #f4f8fd)}
.calc-faq-head{text-align: center; max-width: 600px; margin: 0 auto 40px}
.calc-faq-head h2{font-size: clamp(24px, 2.8vw, 36px); font-weight: 700; letter-spacing: -0.025em; margin-bottom: 12px}
.calc-faq-head p{font-size: 14.5px; color: var(--muted); line-height: 1.6}
.calc-faq-grid{display: grid; grid-template-columns: 1fr 1fr; gap: 12px; max-width: 1080px; margin: 0 auto}
.calc-faq-item{background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; transition: border-color .2s}
.calc-faq-item:hover{border-color: rgba(5,68,139,.25)}
.calc-faq-item summary{
  list-style: none; display: flex; align-items: center; gap: 12px;
  padding: 16px 18px; cursor: pointer;
  font-size: 14px; font-weight: 600; color: var(--ink);
}
.calc-faq-item summary::-webkit-details-marker{display: none}
.calc-faq-num{
  width: 26px; height: 26px; border-radius: 50%;
  background: linear-gradient(135deg, #22c55e, #16a34a); color: #fff;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; flex-shrink: 0;
}
.calc-faq-arrow{margin-left: auto; color: var(--muted); transition: transform .2s; font-size: 18px; line-height: 1}
.calc-faq-item[open] .calc-faq-arrow{transform: rotate(90deg)}
.calc-faq-body{padding: 0 18px 18px 56px; font-size: 13px; line-height: 1.65; color: var(--muted)}

/* CTA card */
.calc-cta-card{
  margin: 40px auto 0; max-width: 1080px;
  background: linear-gradient(135deg, #05448b, #1c73d6);
  border-radius: 18px; padding: 28px 32px;
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px; flex-wrap: wrap; color: #fff;
  box-shadow: 0 16px 40px rgba(5,68,139,.25);
}
.calc-cta-card strong{display: block; font-size: 20px; font-weight: 700; margin-bottom: 6px}
.calc-cta-card span{display: block; font-size: 14px; opacity: .85; line-height: 1.55; max-width: 540px}
.calc-cta-actions{display: flex; gap: 10px; flex-wrap: wrap}
.calc-cta-card .btn-primary{background: #fff; color: var(--brand)}
.calc-cta-card .btn-primary:hover{background: #f0f5ff}
.calc-cta-card .btn-ghost{border-color: rgba(255,255,255,.4); color: #fff}
.calc-cta-card .btn-ghost:hover{background: rgba(255,255,255,.1); color: #fff}

/* Responsive */
@media (max-width: 1100px){
  .calc-layout,
  .calc-layout--full{grid-template-columns: 1fr}
  .calc-results{position: static; flex-direction: column}
  .calc-mode-grid{grid-template-columns: repeat(2, 1fr)}
  .calc-bottom-tabs{grid-template-columns: repeat(2, 1fr)}
  .calc-chart-wrap{grid-template-columns: 1fr; justify-items: center}
  .calc-faq-grid{grid-template-columns: 1fr}
  .calc-tips,
  .calc-projections{grid-template-columns: 1fr}
  .calc-grid-2{grid-template-columns: 1fr 1fr}
  .calc-bt-pair{grid-template-columns: 1fr}
}
@media (max-width: 600px){
  .calc-hero{padding: 110px 0 30px}
  .calc-tabs{padding: 4px}
  .calc-tab{padding: 8px 10px; font-size: 12px}
  .calc-row-2,
  .calc-row-3{grid-template-columns: 1fr}
  .calc-tenor{flex-direction: column; align-items: stretch}
  .calc-extras-tabs{flex-wrap: wrap}
  .calc-row-card{grid-template-columns: 1fr 1fr; row-gap: 6px}
  .calc-row-card select{grid-column: 1 / -1}
  .calc-cta-card{flex-direction: column; text-align: center}
}