/* Mortgage Calculator — Modern UI */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

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

:root {
  --primary: #6366f1;
  --primary-dark: #4f46e5;
  --primary-light: #e0e7ff;
  --accent: #10b981;
  --bg: #f1f5f9;
  --surface: #ffffff;
  --surface-2: #f8fafc;
  --text: #0f172a;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --border: #e2e8f0;
  --border-focus: #6366f1;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow: 0 4px 6px -1px rgba(0,0,0,.07), 0 2px 4px -1px rgba(0,0,0,.04);
  --shadow-lg: 0 10px 25px -5px rgba(0,0,0,.1), 0 4px 10px -5px rgba(0,0,0,.06);
  --radius: 10px;
  --radius-lg: 16px;
  --radius-xl: 20px;
}

/* ===== HIDE ADS ===== */
.ad-leaderboard,
.ad-results,
.ad-slot,
.ad-label,
.sidebar { display: none !important; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  min-height: 100vh;
}

/* ===== HEADER ===== */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 0 16px;
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
  background: rgba(255,255,255,.92);
}

.site-header .header-inner {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}

.site-header h1 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -.3px;
}

.site-header h1 span { color: var(--primary); }

.site-header nav a {
  color: var(--text-muted);
  text-decoration: none;
  margin-left: 24px;
  font-size: .875rem;
  font-weight: 500;
  transition: color .15s;
}

.site-header nav a:hover { color: var(--primary); }

/* ===== LAYOUT ===== */
.main-wrapper {
  max-width: 900px;
  margin: 0 auto;
  padding: 32px 16px 60px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

.content-area { min-width: 0; }

/* ===== PAGE HERO ===== */
.page-hero {
  margin-bottom: 28px;
}

.page-hero h1 {
  font-size: 2rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -.5px;
  line-height: 1.2;
  margin-bottom: 8px;
}

.page-hero p {
  color: var(--text-muted);
  font-size: 1rem;
}

/* ===== TABS ===== */
.tabs {
  display: flex;
  gap: 4px;
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 4px;
  margin-bottom: 24px;
  overflow-x: auto;
  scrollbar-width: none;
}
.tabs::-webkit-scrollbar { display: none; }

.tab-btn {
  padding: 8px 18px;
  background: transparent;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-muted);
  white-space: nowrap;
  transition: all .15s;
  font-family: inherit;
}

.tab-btn.active {
  background: var(--surface);
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.tab-btn:hover:not(.active) { color: var(--text); background: rgba(0,0,0,.04); }

.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ===== CARDS ===== */
.card {
  background: var(--surface);
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  padding: 28px;
  margin-bottom: 20px;
  transition: box-shadow .2s;
}

.card:last-child { margin-bottom: 0; }

.card h2 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -.2px;
  margin-bottom: 4px;
}

.card .subtitle {
  font-size: .875rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

/* ===== FORM ===== */
.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

@media (min-width: 560px) {
  .form-grid { grid-template-columns: 1fr 1fr; }
}

.form-group { display: flex; flex-direction: column; gap: 7px; }

.form-group label {
  font-size: .8rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .4px;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.input-prefix, .input-suffix {
  position: absolute;
  font-size: .9rem;
  font-weight: 500;
  color: var(--text-light);
  pointer-events: none;
  z-index: 1;
}

.input-prefix { left: 14px; }
.input-suffix { right: 14px; }

.form-group input,
.form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: .975rem;
  font-family: inherit;
  color: var(--text);
  background: var(--surface);
  transition: border-color .15s, box-shadow .15s;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}

.form-group input.has-prefix { padding-left: 30px; }
.form-group input.has-suffix { padding-right: 30px; }

.form-group input:focus,
.form-group select:focus {
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(99,102,241,.12);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394a3b8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}

.btn-calculate {
  width: 100%;
  padding: 13px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  border: none;
  border-radius: var(--radius);
  font-size: .975rem;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  transition: opacity .15s, transform .1s, box-shadow .15s;
  margin-top: 8px;
  letter-spacing: -.1px;
  box-shadow: 0 4px 12px rgba(99,102,241,.35);
}

.btn-calculate:hover { opacity: .92; box-shadow: 0 6px 18px rgba(99,102,241,.4); }
.btn-calculate:active { transform: scale(.99); opacity: 1; }

/* ===== RESULTS PANEL ===== */
.results-panel {
  background: linear-gradient(135deg, #6366f1 0%, #4f46e5 50%, #4338ca 100%);
  color: #fff;
  border-radius: var(--radius-xl);
  padding: 28px;
  margin-top: 20px;
  display: none;
  box-shadow: 0 12px 32px rgba(99,102,241,.35);
}

.results-panel.visible { display: block; }

.results-panel .monthly-payment {
  text-align: center;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,.15);
}

.results-panel .monthly-payment .label {
  font-size: .8rem;
  opacity: .75;
  text-transform: uppercase;
  letter-spacing: .6px;
  font-weight: 600;
  margin-bottom: 6px;
}

.results-panel .monthly-payment .amount {
  font-size: 3rem;
  font-weight: 800;
  letter-spacing: -1.5px;
  line-height: 1;
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-bottom: 12px;
}

@media (min-width: 480px) {
  .results-grid { grid-template-columns: repeat(3, 1fr); }
}

.result-item {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  padding: 14px 12px;
  text-align: center;
  backdrop-filter: blur(4px);
}

.result-item .r-label {
  font-size: .72rem;
  opacity: .75;
  margin-bottom: 5px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .3px;
}

.result-item .r-value {
  font-size: 1rem;
  font-weight: 700;
}

/* Breakdown bar */
.breakdown-bar {
  height: 6px;
  border-radius: 3px;
  background: rgba(255,255,255,.18);
  overflow: hidden;
  margin-bottom: 8px;
}

.breakdown-bar .principal-fill {
  height: 100%;
  background: rgba(255,255,255,.9);
  border-radius: 3px;
  transition: width .5s cubic-bezier(.4,0,.2,1);
}

.breakdown-legend {
  display: flex;
  gap: 20px;
  font-size: .78rem;
  opacity: .8;
  margin-bottom: 18px;
  font-weight: 500;
}

.legend-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 5px;
  vertical-align: middle;
}

/* ===== AMORTIZATION TABLE ===== */
.table-wrap { overflow-x: auto; margin-top: 8px; border-radius: var(--radius); border: 1px solid var(--border); }

table { width: 100%; border-collapse: collapse; font-size: .875rem; }

table th {
  background: var(--surface-2);
  padding: 11px 16px;
  text-align: right;
  font-weight: 600;
  color: var(--text-muted);
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .4px;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
table th:first-child { text-align: left; }

table td {
  padding: 10px 16px;
  text-align: right;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
table td:first-child { text-align: left; font-weight: 500; }
table tr:last-child td { border-bottom: none; }
table tr:hover td { background: #f8fafc; }

/* ===== AFFORDABILITY & REFINANCE ===== */
.calc-subgrid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}

@media (min-width: 560px) {
  .calc-subgrid { grid-template-columns: 1fr 1fr; }
}

.result-box {
  background: var(--primary-light);
  border-radius: var(--radius);
  padding: 18px 16px;
  text-align: center;
  border: 1px solid rgba(99,102,241,.15);
}

.result-box .rb-label {
  font-size: .75rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-bottom: 6px;
}

.result-box .rb-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary-dark);
  letter-spacing: -.5px;
}

/* ===== INFO SECTION ===== */
.info-section h2 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}

.info-section p {
  font-size: .9rem;
  color: var(--text-muted);
  margin-bottom: 12px;
  line-height: 1.7;
}

.info-section ul {
  margin-left: 20px;
  color: var(--text-muted);
  font-size: .9rem;
  line-height: 2;
}

/* ===== FOOTER ===== */
.site-footer {
  background: var(--surface);
  border-top: 1px solid var(--border);
  color: var(--text-light);
  text-align: center;
  padding: 28px 16px;
  font-size: .8rem;
  margin-top: 40px;
}

.site-footer a {
  color: var(--text-muted);
  text-decoration: none;
  margin: 0 8px;
  font-weight: 500;
}

.site-footer a:hover { color: var(--primary); }

/* ===== RESPONSIVE ===== */
@media (max-width: 560px) {
  .card { padding: 20px 18px; }
  .results-panel { padding: 22px 18px; }
  .results-panel .monthly-payment .amount { font-size: 2.4rem; }
  .results-grid { grid-template-columns: repeat(2, 1fr); }
  .page-hero h1 { font-size: 1.6rem; }
}