/* ==========================================================================
   Early Payoff Calculator - Clarke Capital
   Extends styles.css; uses --color-*, --space-*, --font-*, etc.
   ========================================================================== */

.calc-page .container {
  max-width: var(--max-width-wide);
}

.calc-page .site-header .container {
  max-width: var(--max-width);
}

.calc-page .hero .container {
  text-align: center;
}

.calc-page .hero .hero__text {
  margin-left: auto;
  margin-right: auto;
}

.calc-page .hero .hero__actions {
  justify-content: center;
}

.calc-hero {
  padding-top: var(--space-xl);
  padding-bottom: var(--space-lg);
  background: linear-gradient(180deg, var(--color-blue-pale) 0%, var(--color-white) 100%);
}

.calc-hero__title {
  margin-bottom: var(--space-xs);
}

.calc-hero__subtitle {
  font-size: 1.125rem;
  color: var(--color-gray-700);
  margin: 0;
}

.calc-layout {
  display: grid;
  gap: var(--space-xl);
  padding-top: var(--space-xl);
  padding-bottom: var(--space-2xl);
}

@media (min-width: 880px) {
  .calc-layout {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }
}

.calc-panel {
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}

.calc-panel__title {
  margin: 0 0 var(--space-md);
  font-size: 1.125rem;
  color: var(--color-forest-dark);
}

/* Form fields */
.calc-field {
  margin-bottom: var(--space-md);
}

.calc-field:last-child {
  margin-bottom: 0;
}

.calc-field__label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gray-700);
  margin-bottom: var(--space-xs);
}

.calc-field__hint {
  font-size: 0.8125rem;
  color: var(--color-gray-500);
  margin-top: var(--space-xs);
}

.calc-field input[type="text"],
.calc-field input[type="number"],
.calc-field select {
  width: 100%;
  padding: var(--space-sm);
  font-size: 1rem;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
}

.calc-field input:focus,
.calc-field select:focus {
  outline: none;
  border-color: var(--color-forest);
  box-shadow: 0 0 0 2px var(--color-blue-pale);
}

.calc-field input[aria-invalid="true"] {
  border-color: #c53030;
}

/* Month grid */
.calc-month-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-xs);
}

.calc-month-btn {
  padding: var(--space-sm);
  font-size: 0.875rem;
  font-weight: 500;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
  color: var(--color-gray-700);
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}

.calc-month-btn:hover {
  background-color: var(--color-blue-pale);
  border-color: var(--color-blue);
  color: var(--color-forest-dark);
}

.calc-month-btn[aria-pressed="true"] {
  background-color: var(--color-forest);
  border-color: var(--color-forest);
  color: var(--color-white);
}

.calc-month-year-row {
  display: flex;
  gap: var(--space-md);
  align-items: flex-end;
  flex-wrap: wrap;
}

.calc-month-year-row .calc-field {
  flex: 1;
  min-width: 120px;
}

.calc-month-year-row .calc-field:last-child {
  flex: 0 0 auto;
  max-width: 100px;
  min-width: 80px;
}

/* Tabs */
.calc-tabs {
  margin-top: var(--space-lg);
}

.calc-tabs__list {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-xs);
  margin: 0 0 var(--space-md);
  padding: 0;
  list-style: none;
  border-bottom: 1px solid var(--color-gray-200);
}

.calc-tabs__tab {
  padding: var(--space-sm) var(--space-md);
  font-size: 0.9375rem;
  font-weight: 500;
  font-family: var(--font-sans);
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
  color: var(--color-gray-700);
  cursor: pointer;
  transition: color 0.2s, border-color 0.2s;
}

.calc-tabs__tab:hover {
  color: var(--color-forest);
}

.calc-tabs__tab[aria-selected="true"] {
  color: var(--color-forest);
  border-bottom-color: var(--color-forest);
}

.calc-tabs__panel {
  display: none;
  padding-top: var(--space-sm);
}

.calc-tabs__panel[aria-hidden="false"] {
  display: block;
}

/* Slider */
.calc-slider-wrap {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.calc-slider-wrap input[type="range"] {
  flex: 1;
  min-width: 120px;
  height: 8px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--color-gray-200);
  border-radius: 4px;
}

.calc-slider-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-forest);
  cursor: pointer;
  border: 2px solid var(--color-white);
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}

.calc-slider-wrap input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-forest);
  cursor: pointer;
  border: 2px solid var(--color-white);
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}

.calc-pill {
  display: inline-block;
  padding: var(--space-xs) var(--space-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  background-color: var(--color-blue-pale);
  color: var(--color-forest-dark);
  border-radius: 999px;
  min-width: 5rem;
  text-align: center;
}

.calc-slider-presets {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-xs);
  margin-top: var(--space-sm);
}

.calc-preset-btn {
  padding: var(--space-xs) var(--space-sm);
  font-size: 0.875rem;
  font-weight: 500;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
  color: var(--color-gray-700);
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}

.calc-preset-btn:hover {
  background-color: var(--color-blue-pale);
  border-color: var(--color-blue);
  color: var(--color-forest-dark);
}

/* Toggle */
.calc-toggle {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}

.calc-toggle input {
  width: 44px;
  height: 24px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--color-gray-200);
  border-radius: 12px;
  cursor: pointer;
  position: relative;
  transition: background 0.2s;
}

.calc-toggle input:checked {
  background: var(--color-forest);
}

.calc-toggle input::after {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-white);
  top: 2px;
  left: 2px;
  box-shadow: 0 1px 2px rgba(0,0,0,0.2);
  transition: transform 0.2s;
}

.calc-toggle input:checked::after {
  transform: translateX(20px);
}

.calc-toggle__label {
  font-size: 0.9375rem;
  color: var(--color-gray-700);
}

/* Results */
.calc-results__primary {
  margin-bottom: var(--space-lg);
}

.calc-results__metric {
  margin-bottom: var(--space-md);
}

.calc-results__metric:last-child {
  margin-bottom: 0;
}

.calc-results__label {
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-gray-500);
  margin-bottom: var(--space-xs);
}

.calc-results__value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-forest-dark);
  transition: opacity 0.15s ease;
}

.calc-results__value[data-updated] {
  animation: calc-results-flash 0.3s ease;
}

@keyframes calc-results-flash {
  0% { opacity: 0.6; }
  100% { opacity: 1; }
}

.calc-results__value--large {
  font-size: 1.75rem;
}

.calc-results__value--saved {
  color: var(--color-forest);
  background-color: var(--color-blue-pale);
  display: inline-block;
  padding: var(--space-xs) var(--space-sm);
  border-radius: var(--radius);
}

.calc-results__secondary {
  padding-top: var(--space-md);
  border-top: 1px solid var(--color-gray-200);
  font-size: 0.9375rem;
  color: var(--color-gray-700);
}

.calc-results__secondary .calc-results__value {
  font-size: 1rem;
  font-weight: 600;
}

.calc-results__details-toggle {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  width: 100%;
  padding: var(--space-sm) 0;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-forest);
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
  margin-top: var(--space-xs);
}

.calc-results__details-toggle:hover {
  color: var(--color-forest-dark);
  text-decoration: underline;
}

.calc-results__details-toggle::before {
  content: '';
  display: inline-block;
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid currentColor;
  transition: transform 0.2s;
}

.calc-results__details-toggle[aria-expanded="true"]::before {
  transform: rotate(180deg);
}

.calc-results__details-content {
  overflow: hidden;
}

.calc-results__details-content[hidden] {
  display: none;
}

@media (min-width: 640px) {
  .calc-results__details-toggle {
    display: none;
  }

  .calc-results__details-content[hidden] {
    display: block;
  }
}

.calc-results__missing-intro {
  font-size: 0.9375rem;
  color: var(--color-gray-700);
  margin: 0 0 var(--space-sm);
}

.calc-results__disclaimer {
  font-size: 0.75rem;
  color: var(--color-gray-500);
  margin-top: var(--space-md);
  font-style: italic;
}

.calc-results__error {
  color: #c53030;
  font-weight: 600;
  margin-bottom: var(--space-sm);
  padding: var(--space-sm) var(--space-md);
  background-color: rgba(197, 48, 48, 0.08);
  border-left: 4px solid #c53030;
  border-radius: 0 var(--radius) var(--radius) 0;
}

.calc-results__missing {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-md);
}

.calc-results__missing li {
  padding: var(--space-xs) 0;
  padding-left: 1.5rem;
  position: relative;
  font-size: 0.9375rem;
  color: var(--color-gray-500);
}

.calc-results__missing li::before {
  content: '○';
  position: absolute;
  left: 0;
  color: var(--color-gray-400);
}

.calc-results__placeholder {
  color: var(--color-gray-500);
  font-style: italic;
}

/* Inline row for year/month selects */
.calc-row {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.calc-row .calc-field {
  flex: 1;
  min-width: 100px;
}

/* --------------------------------------------------------------------------
   Mobile refinements (Phase 1)
   -------------------------------------------------------------------------- */
@media (max-width: 639px) {
  .calc-panel {
    padding: var(--space-md);
  }

  .calc-month-btn {
    min-height: 44px;
    padding: var(--space-sm);
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .calc-tabs__list {
    flex-wrap: nowrap;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: thin;
    scroll-padding: 0 var(--space-sm);
  }

  .calc-tabs__tab {
    flex-shrink: 0;
    min-height: 44px;
    padding: var(--space-sm) var(--space-md);
  }

  .calc-slider-wrap {
    padding: var(--space-sm) 0;
  }

  .calc-slider-wrap input[type="range"] {
    min-height: 44px;
    padding: var(--space-sm) 0;
  }

  .calc-results__value--large {
    font-size: 1.5rem;
  }
}

/* ==========================================================================
   Early Payoff Calculator - Card layout (matches reference, Clarke Capital style)
   ========================================================================== */

.section--calc {
  padding-top: var(--space-lg);
  padding-bottom: var(--space-2xl);
  background-color: var(--color-blue-pale);
}

.payoff-calc-card {
  display: grid;
  grid-template-columns: 1fr;
  background-color: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(27, 77, 62, 0.08);
}

@media (min-width: 880px) {
  .payoff-calc-card {
    grid-template-columns: 1fr 1fr;
    max-width: 960px;
    margin: 0 auto;
  }
}


/* Left column: inputs */
.payoff-calc__inputs {
  padding: var(--space-xl);
  background-color: var(--color-off-white);
}

.payoff-calc__section {
  margin-bottom: var(--space-xl);
}

.payoff-calc__section:last-of-type {
  margin-bottom: var(--space-lg);
}

.payoff-calc__section-title {
  margin: 0 0 var(--space-md);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

/* Currency input with prefix */
.calc-field__input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.calc-field__input-wrap--currency .calc-field__prefix {
  flex-shrink: 0;
  width: 1.75rem;
  font-size: 1rem;
  color: var(--color-gray-500);
  padding-left: var(--space-sm);
}

.calc-field__input-wrap--currency input {
  padding-left: var(--space-sm);
}

.calc-field__input-wrap input {
  width: 100%;
  padding: var(--space-sm);
  font-size: 1rem;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
  transition: border-color 0.2s, box-shadow 0.2s;
}

.calc-field__input-wrap input:focus {
  outline: none;
  border-color: var(--color-forest);
  box-shadow: 0 0 0 2px var(--color-blue-pale);
}

.payoff-calc__inputs .calc-field {
  margin-bottom: var(--space-md);
}

.payoff-calc__inputs .calc-field:last-child {
  margin-bottom: 0;
}

/* Strategy buttons */
.payoff-calc__strategy {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
}

.payoff-calc__strategy-btn {
  flex: 1;
  min-width: 100px;
  padding: var(--space-sm) var(--space-md);
  font-size: 0.9375rem;
  font-weight: 600;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
  color: var(--color-gray-700);
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}

.payoff-calc__strategy-btn:hover {
  background-color: var(--color-blue-pale);
  border-color: var(--color-blue);
  color: var(--color-forest-dark);
}

.payoff-calc__strategy-btn--active,
.payoff-calc__strategy-btn[aria-pressed="true"] {
  background-color: var(--color-forest);
  border-color: var(--color-forest);
  color: var(--color-white);
}

.payoff-calc__strategy-btn--active:hover,
.payoff-calc__strategy-btn[aria-pressed="true"]:hover {
  background-color: var(--color-forest-dark);
  border-color: var(--color-forest-dark);
  color: var(--color-white);
}

.payoff-calc__strategy-hint {
  font-size: 0.8125rem;
  color: var(--color-gray-500);
  margin: 0 0 var(--space-md);
  line-height: 1.4;
}

.payoff-calc__estimated-payment {
  padding: var(--space-sm);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-forest-dark);
  background-color: var(--color-gray-100);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
}

.payoff-calc__extra-field {
  margin-top: var(--space-sm);
}

.payoff-calc__extra-field[hidden],
.payoff-calc__lump-field[hidden] {
  display: none;
}

.payoff-calc__date-row {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
}

.payoff-calc__date-row select {
  flex: 1;
  min-width: 100px;
  padding: var(--space-sm);
  font-size: 1rem;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
}

.payoff-calc__date-row select:focus {
  outline: none;
  border-color: var(--color-forest);
  box-shadow: 0 0 0 2px var(--color-blue-pale);
}

.payoff-calc__lump-field .calc-field__hint {
  margin-top: var(--space-xs);
}

.payoff-calc__summary--compare {
  grid-template-columns: 1fr 1fr;
}

.payoff-calc__result-date-label {
  font-size: 0.8125rem;
  color: var(--color-gray-500);
  margin-right: 0.25em;
}

.payoff-calc__submit {
  width: 100%;
  padding: var(--space-md) var(--space-lg);
  font-size: 1.0625rem;
  margin-top: var(--space-md);
}

.payoff-calc__error {
  margin: var(--space-md) 0 0;
  padding: var(--space-sm) var(--space-md);
  font-size: 0.9375rem;
  font-weight: 600;
  color: #c53030;
  background-color: rgba(197, 48, 48, 0.08);
  border-left: 4px solid #c53030;
  border-radius: 0 var(--radius) var(--radius) 0;
}

/* Right column: results (forest green) */
.payoff-calc__results {
  padding: var(--space-xl);
  background-color: var(--color-forest);
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.payoff-calc__results-title {
  margin: 0;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-white);
}

.payoff-calc__result-cards {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.payoff-calc__result-card {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.payoff-calc__result-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-forest);
}

.payoff-calc__result-icon svg {
  width: 24px;
  height: 24px;
}

.payoff-calc__result-content {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  min-width: 0;
}

.payoff-calc__result-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

.payoff-calc__result-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-forest-dark);
}

.payoff-calc__result-sub {
  font-size: 0.8125rem;
  color: var(--color-gray-500);
}

.payoff-calc__result-sub--accent {
  color: var(--color-forest-light);
}

.payoff-calc__result-date-row {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.payoff-calc__result-date-orig {
  font-size: 0.875rem;
  color: var(--color-gray-500);
}

.payoff-calc__result-date-new {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-forest-light);
}

.payoff-calc__summary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
}

.payoff-calc__summary-item {
  padding: var(--space-md) var(--space-lg);
  background-color: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius);
  text-align: center;
}

.payoff-calc__summary-label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: var(--space-xs);
}

.payoff-calc__summary-value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-white);
}

.payoff-calc__disclaimer {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.75);
  margin: 0;
  line-height: 1.5;
}

/* Mobile: stack inputs above results */
@media (max-width: 879px) {
  .payoff-calc__inputs {
    padding: var(--space-lg);
  }

  .payoff-calc__results {
    padding: var(--space-lg);
  }

  .payoff-calc__result-value {
    font-size: 1.25rem;
  }
}

/* Refinance Calculator - Emphasized result cards (legacy, for early payoff) */
.refinance-calc__result-card--primary {
  border: 2px solid var(--color-forest);
  background-color: var(--color-blue-pale);
}

.refinance-calc__result-card--primary .payoff-calc__result-value {
  color: var(--color-forest-dark);
}

.payoff-calc__result-value--large {
  font-size: 1.75rem;
}

@media (max-width: 879px) {
  .payoff-calc__result-value--large {
    font-size: 1.5rem;
  }
}

/* ==========================================================================
   Refinance Calculator - New layout (two panels, metrics row, analysis)
   ========================================================================== */

.refinance-calc__layout {
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: 0 4px 20px rgba(27, 77, 62, 0.08);
  max-width: 960px;
  margin: 0 auto;
}

.refinance-calc__panels {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
  margin-bottom: var(--space-xl);
}

@media (min-width: 720px) {
  .refinance-calc__panels {
    grid-template-columns: 1fr 1fr;
  }
}

.refinance-calc__panels--single {
  max-width: 480px;
}

@media (min-width: 720px) {
  .refinance-calc__panels--single {
    grid-template-columns: 1fr;
  }
}

.refinance-calc__comparison--three .refinance-calc__comparison-cards {
  grid-template-columns: 1fr;
}

@media (min-width: 640px) {
  .refinance-calc__comparison--three .refinance-calc__comparison-cards {
    grid-template-columns: repeat(3, 1fr);
  }
}

.refinance-calc__panel {
  background-color: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}

.refinance-calc__panel-title {
  margin: 0 0 var(--space-xs);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

.refinance-calc__panel-desc {
  margin: 0 0 var(--space-md);
  font-size: 0.875rem;
  color: var(--color-gray-500);
}

.refinance-calc__panel-content .calc-field {
  margin-bottom: var(--space-md);
}

.refinance-calc__remaining-term {
  font-size: 0.875rem;
  color: var(--color-gray-500);
  margin: 0 0 var(--space-md);
}

.refinance-calc__summary-outputs {
  margin-top: var(--space-lg);
  padding-top: var(--space-md);
  border-top: 1px solid var(--color-gray-200);
}

.refinance-calc__summary-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--space-md);
  padding: var(--space-xs) 0;
}

.refinance-calc__summary-label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gray-500);
}

.refinance-calc__summary-value {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-forest-dark);
  text-align: right;
}

.refinance-calc__metrics {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
  max-width: 100%;
}

.refinance-calc__metric-card {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  min-width: 0;
  flex: 1 1 180px;
  max-width: 280px;
}

.refinance-calc__metric-card--green {
  background-color: var(--color-white);
  border-color: rgba(34, 197, 94, 0.3);
}

.refinance-calc__metric-card--green .refinance-calc__metric-icon {
  color: #16a34a;
  background-color: rgba(34, 197, 94, 0.15);
}

.refinance-calc__metric-card--green .refinance-calc__metric-value {
  color: #16a34a;
}

.refinance-calc__metric-card--purple .refinance-calc__metric-icon {
  color: #6B46C1;
}

.refinance-calc__metric-card--purple .refinance-calc__metric-value {
  color: #553C9A;
}

.refinance-calc__metric-card--orange .refinance-calc__metric-icon {
  color: #C05621;
}

.refinance-calc__metric-card--orange .refinance-calc__metric-value {
  color: #9C4221;
}

.refinance-calc__metric-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.8);
}

.refinance-calc__metric-card--purple .refinance-calc__metric-icon {
  background-color: rgba(107, 70, 193, 0.12);
}

.refinance-calc__metric-card--orange .refinance-calc__metric-icon {
  background-color: rgba(192, 86, 33, 0.12);
}

.refinance-calc__metric-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-xs);
  min-width: 0;
  text-align: center;
}

.refinance-calc__metric-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-gray-500);
}

.refinance-calc__metric-card--purple .refinance-calc__metric-label {
  white-space: nowrap;
}

.refinance-calc__metric-value {
  font-size: 1.25rem;
  font-weight: 700;
}

.refinance-calc__analysis-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  background-color: var(--color-blue-pale);
  border: 1px solid rgba(27, 77, 62, 0.2);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-xl);
}

.refinance-calc__analysis-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-forest);
}

.refinance-calc__analysis-text {
  margin: 0;
  font-size: 0.9375rem;
  color: var(--color-gray-700);
  line-height: 1.5;
  text-align: center;
}

.refinance-calc__analysis-text strong {
  color: var(--color-forest-dark);
}

.refinance-calc__comparison {
  margin-bottom: var(--space-lg);
}

.refinance-calc__comparison-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}

@media (max-width: 600px) {
  .refinance-calc__comparison-cards {
    grid-template-columns: 1fr;
  }
}

.refinance-calc__comparison-card {
  padding: var(--space-lg);
  background-color: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
}

.refinance-calc__comparison-card-title {
  margin: 0 0 var(--space-md);
  padding-bottom: var(--space-sm);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-gray-700);
  border-bottom: 2px solid var(--color-forest);
}

.refinance-calc__comparison-dl {
  margin: 0;
}

.refinance-calc__comparison-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--space-md);
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--color-gray-200);
}

.refinance-calc__comparison-row:last-child {
  border-bottom: none;
}

.refinance-calc__comparison-row dt {
  margin: 0;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gray-500);
}

.refinance-calc__comparison-row dd {
  margin: 0;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-forest-dark);
}

.refinance-calc__disclaimer {
  font-size: 0.75rem;
  color: var(--color-gray-500);
  margin: 0;
  line-height: 1.5;
}

/* Payoff option cards - distinct blocks for lump sum vs additional monthly */
.payoff-option-card__content {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.payoff-option-card__block {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  padding: var(--space-md);
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
}

.payoff-option-card__label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-gray-500);
  line-height: 1.3;
}

.payoff-option-card__value {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-forest-dark);
}

.payoff-option-card__or {
  display: block;
  text-align: center;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gray-500);
}

/* Payoff calculator container */
.payoff-calc__container {
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: 0 4px 20px rgba(27, 77, 62, 0.08);
  max-width: 640px;
  margin: 0 auto;
}

.payoff-calc__input-panel {
  background-color: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}

.payoff-calc__panel-title {
  margin: 0 0 var(--space-xs);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

.payoff-calc__panel-desc {
  margin: 0 0 var(--space-md);
  font-size: 0.875rem;
  color: var(--color-gray-500);
}

.payoff-calc__panel-content .calc-field {
  margin-bottom: var(--space-md);
}

.payoff-calc__remaining-term {
  font-size: 0.875rem;
  color: var(--color-gray-500);
  margin: 0 0 var(--space-md);
}

/* Payoff target row: inputs, then buttons underneath */
.payoff-target__row {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
  margin-bottom: var(--space-xl);
}

.payoff-target__label {
  margin: 0 0 var(--space-sm);
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

.payoff-target__buttons {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: var(--space-sm);
}

.payoff-target__btn {
  padding: var(--space-sm) var(--space-lg);
  font-size: 0.9375rem;
  font-weight: 600;
  font-family: var(--font-sans);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  background-color: var(--color-white);
  color: var(--color-gray-700);
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}

.payoff-target__btn:hover {
  background-color: var(--color-blue-pale);
  border-color: var(--color-blue);
  color: var(--color-forest-dark);
}

.payoff-target__btn[aria-pressed="true"] {
  background-color: var(--color-forest);
  border-color: var(--color-forest);
  color: var(--color-white);
}

.payoff-target__btn[aria-pressed="true"]:hover {
  background-color: var(--color-forest-dark);
  border-color: var(--color-forest-dark);
  color: var(--color-white);
}

/* Single results card - redesigned */
.payoff-results-single {
  overflow: hidden;
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-xl);
  box-shadow: 0 2px 12px rgba(27, 77, 62, 0.12);
  border: 1px solid var(--color-gray-200);
}

.payoff-results-single__header {
  padding: var(--space-md) var(--space-lg);
  background-color: var(--color-forest);
}

.payoff-results-single__title {
  margin: 0;
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-white);
}

.payoff-results-single__body {
  padding: var(--space-lg);
  background-color: var(--color-white);
}

.payoff-results-single__strategies {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: var(--space-md);
  align-items: center;
  margin-bottom: var(--space-lg);
}

@media (max-width: 480px) {
  .payoff-results-single__strategies {
    grid-template-columns: 1fr;
    grid-template-rows: auto auto auto;
  }
}

.payoff-results-single__strategy {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  padding: var(--space-md);
  background-color: var(--color-blue-pale);
  border-radius: var(--radius);
}

.payoff-results-single__strategy-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-gray-700);
  line-height: 1.3;
}

.payoff-results-single__strategy-value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-forest-dark);
}

.payoff-results-single__divider {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-gray-500);
  text-align: center;
}

@media (max-width: 480px) {
  .payoff-results-single__divider {
    grid-column: 1;
  }
}

.payoff-results-single__savings {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
  padding: var(--space-md) var(--space-lg);
  background: linear-gradient(135deg, rgba(34, 197, 94, 0.08) 0%, rgba(34, 197, 94, 0.04) 100%);
  border: 1px solid rgba(34, 197, 94, 0.25);
  border-radius: var(--radius);
}

.payoff-results-single__savings-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-gray-700);
}

.payoff-results-single__savings-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: #16a34a;
}

/* ==========================================================================
   Simple Mortgage Calculator
   ========================================================================== */

.simple-calc__container {
  background-color: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--space-md) var(--space-lg);
  box-shadow: 0 4px 20px rgba(27, 77, 62, 0.08);
  max-width: 520px;
  margin: 0 auto;
  width: 100%;
}

.simple-calc__inputs-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
}

.simple-calc__inputs-row .calc-field {
  margin-bottom: 0;
}

.simple-calc__payment-row {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex-wrap: wrap;
  padding: var(--space-sm) var(--space-md);
  background-color: var(--color-forest);
  border-radius: var(--radius);
  margin-bottom: var(--space-sm);
}

.simple-calc__result-bar {
  display: flex;
  align-items: baseline;
  gap: var(--space-sm);
  flex: 1;
  min-width: 0;
}

.simple-calc__result-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
}

.simple-calc__payment-value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-white);
}

.simple-calc__payment-row .calc-toggle__label {
  color: rgba(255, 255, 255, 0.95);
}

.simple-calc__breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm) var(--space-md);
  padding: var(--space-sm) var(--space-md);
  background-color: var(--color-blue-pale);
  border-radius: var(--radius);
  margin-bottom: var(--space-sm);
}

.simple-calc__breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--space-sm);
}

.simple-calc__breakdown-label {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-gray-700);
}

.simple-calc__breakdown-value {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-forest-dark);
}

.simple-calc__disclaimer {
  font-size: 0.75rem;
  color: var(--color-gray-500);
  margin: 0;
  line-height: 1.4;
}

@media (max-width: 480px) {
  .simple-calc__inputs-row {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   Early Payoff Results Page - Loan summary + Savings side by side
   ========================================================================== */

.payoff-results__modify {
  margin-top: var(--space-md);
}

.payoff-results-card {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  background-color: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(27, 77, 62, 0.08);
}

@media (min-width: 880px) {
  .payoff-results-card {
    grid-template-columns: 280px 1fr;
    max-width: 960px;
    margin: 0 auto;
  }
}

.payoff-results__loan-summary {
  padding: var(--space-xl);
  background-color: var(--color-white);
  border-bottom: 1px solid var(--color-gray-200);
}

@media (min-width: 880px) {
  .payoff-results__loan-summary {
    border-bottom: none;
    border-right: 1px solid var(--color-gray-200);
  }
}

.payoff-results__loan-title {
  margin: 0 0 var(--space-md);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-forest-dark);
}

.payoff-results__loan-dl {
  margin: 0;
  padding: 0;
}

.payoff-results__loan-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: var(--space-md);
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--color-gray-100);
}

.payoff-results__loan-row:last-child {
  border-bottom: none;
}

.payoff-results__loan-row dt {
  margin: 0;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-gray-500);
}

.payoff-results__loan-row dd {
  margin: 0;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-forest-dark);
  text-align: right;
}

.payoff-results__savings {
  padding: var(--space-xl);
  background-color: var(--color-forest);
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

@media (max-width: 879px) {
  .payoff-results__loan-summary,
  .payoff-results__savings {
    padding: var(--space-lg);
  }
}