/* FinCalc Smart shared.css v4.0 */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',sans-serif;background:#ffffff;color:#0D1B2A;font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased}
:root{
  --navy:#0D1B2A;--navy-mid:#0A1628;--navy-deep:#060F1A;
  --teal:#1DB584;--teal-dk:#18a073;--teal-pale:#E6F7F1;
  --amber:#C9A84C;--white:#ffffff;
  --gray-50:#F8FAFB;--gray-100:#F1F4F7;--gray-200:#E4E9EF;
  --gray-400:#9BA8B5;--gray-600:#6B7A8D;--text-mid:#4B5563;
  --red:#EF4444;--radius:12px;
  --shadow:0 2px 12px rgba(0,0,0,0.07);--shadow-md:0 8px 28px rgba(0,0,0,0.1);
}
/* HERO */
.calc-hero{background:var(--navy);padding:36px 48px 44px;position:relative;overflow:hidden}
.calc-hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(29,181,132,0.06) 1px,transparent 1px);background-size:24px 24px;pointer-events:none}
.calc-hero-inner{position:relative;max-width:1400px;margin:0 auto}
.calc-hero h1{font-size:32px;font-weight:800;color:#fff;line-height:1.2;letter-spacing:-.5px;margin-bottom:8px}
.calc-hero p{font-size:15px;color:rgba(255,255,255,0.55);line-height:1.6;max-width:560px;margin-bottom:20px}
.country-toggle{margin-top:4px}
/* COUNTRY TOGGLE */
.cw-toggle{display:inline-flex;gap:0;background:rgba(255,255,255,0.09);border-radius:10px;padding:4px}
.cw-tbtn{display:inline-flex;align-items:center;gap:7px;padding:7px 16px;border-radius:7px;font-size:13px;font-weight:600;cursor:pointer;border:none;font-family:inherit;color:rgba(255,255,255,0.6);background:transparent;transition:all 0.15s}
.cw-tbtn.on{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(0,0,0,0.15)}
/* LAYOUT */
.calc-wrapper{max-width:1400px;margin:0 auto;padding:36px 48px 60px;display:flex;gap:28px;align-items:flex-start;background:#fff}
.calc-main{flex:1;min-width:0}
.calc-sidebar{width:300px;flex-shrink:0;display:flex;flex-direction:column;gap:20px}
.calc-split{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}
/* INPUTS */
.calc-inputs{background:#fff;border:1.5px solid var(--gray-200);border-radius:16px;padding:24px}
.calc-inputs-header{display:flex;align-items:center;gap:12px;margin-bottom:20px;padding-bottom:16px;border-bottom:1px solid var(--gray-100)}
.calc-inputs-header h2{font-size:17px;font-weight:700;color:var(--navy)}
.icon-badge{width:40px;height:40px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0}
/* FORM */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px;margin-bottom:20px}
.form-row{display:flex;flex-direction:column;gap:5px}
.form-row label{font-size:13px;font-weight:600;color:var(--gray-600)}
.form-row.span-2{grid-column:1/-1}
.form-row input,.form-row select{width:100%;padding:9px 12px;border:1.5px solid var(--gray-200);border-radius:8px;font-size:14px;font-family:inherit;color:var(--navy);background:#fff;transition:border-color 0.15s;outline:none;appearance:auto}
.form-row input:focus,.form-row select:focus{border-color:var(--teal)}
.input-prefix,.input-suffix{display:flex;align-items:center;border:1.5px solid var(--gray-200);border-radius:8px;overflow:hidden;background:#fff;transition:border-color 0.15s}
.input-prefix:focus-within,.input-suffix:focus-within{border-color:var(--teal)}
.input-prefix span,.input-suffix span{padding:9px 10px;background:var(--gray-50);font-size:13px;font-weight:600;color:var(--gray-600);border-right:1px solid var(--gray-200);white-space:nowrap;flex-shrink:0}
.input-suffix span{border-right:none;border-left:1px solid var(--gray-200)}
.input-prefix input,.input-suffix input{border:none;border-radius:0;flex:1;padding:9px 10px;outline:none}
.calc-btn{width:100%;background:var(--navy);color:#fff;border:none;border-radius:10px;padding:13px 20px;font-size:14px;font-weight:700;cursor:pointer;font-family:inherit;transition:background 0.15s;margin-top:4px}
.calc-btn:hover{background:#142233}
/* RESULTS */
.calc-results-panel{display:flex;flex-direction:column;gap:16px}
.calc-results-numbers{border-radius:16px;padding:24px;background:linear-gradient(150deg,#0D2137 0%,#0A1628 55%,#0D1B2A 100%);border:1px solid rgba(29,181,132,0.15)}
.calc-results-numbers h3{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,0.4);margin-bottom:16px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
/* CHART */
.calc-results-chart{background:#fff;border:1.5px solid var(--gray-200);border-radius:16px;padding:20px;flex:1}
.chart-tabs-sm{display:flex;gap:6px;margin-bottom:16px;flex-wrap:wrap}
.chart-tab-sm{padding:6px 14px;border-radius:7px;font-size:12px;font-weight:600;cursor:pointer;border:1.5px solid var(--gray-200);background:#fff;color:var(--gray-600);font-family:inherit;transition:all 0.15s}
.chart-tab-sm.active,.chart-tab-sm:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.chart-container{position:relative;height:200px}
.chart-legend{display:flex;gap:16px;margin-top:12px;flex-wrap:wrap}
.legend-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--gray-600);font-weight:500}
.legend-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}
/* CONTENT CARDS */
.content-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:16px;padding:28px;margin-bottom:20px}
.content-card h2{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:16px;letter-spacing:-.3px}
.content-card h3{font-size:15px;font-weight:700;color:var(--navy);margin:18px 0 8px}
/* INFO GRID */
.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.info-box{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:10px;padding:18px}
.info-box h4{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:8px}
.info-box p{font-size:13px;color:var(--gray-600);line-height:1.6}
/* FORMULA */
.formula-box{background:var(--navy);color:rgba(255,255,255,0.85);border-radius:10px;padding:16px 20px;font-size:13px;font-family:'Courier New',monospace;line-height:1.8;white-space:pre-wrap;word-break:break-word}
/* TABLE */
.data-table{width:100%;border-collapse:collapse;font-size:13px}
.data-table th{background:var(--gray-50);color:var(--gray-600);font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:10px 14px;border-bottom:1.5px solid var(--gray-200);text-align:left}
.data-table th.r{text-align:right}
.data-table td{padding:10px 14px;border-bottom:1px solid var(--gray-100);color:var(--navy)}
.data-table td.r{text-align:right;font-variant-numeric:tabular-nums}
.data-table td.r.teal{color:var(--teal);font-weight:600}
.data-table td.r.bold{font-weight:700}
.data-table tbody tr:hover{background:var(--gray-50)}
.data-table tbody tr:last-child td{border-bottom:none}
/* FAQ */
.faq-item{border-bottom:1px solid var(--gray-100)}
.faq-item:last-child{border-bottom:none}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 0;font-size:14px;font-weight:600;color:var(--navy);cursor:pointer;font-family:inherit;display:flex;justify-content:space-between;align-items:center;gap:12px;transition:color 0.15s}
.faq-q:hover{color:var(--teal)}
.faq-q::after{content:'+';font-size:20px;color:var(--teal);font-weight:400;flex-shrink:0}
.faq-q.open::after{content:'−'}
.faq-a{display:none;padding:0 0 16px;font-size:14px;color:var(--gray-600);line-height:1.7}
.faq-a.open{display:block}
/* DISCLAIMER */
.disclaimer{background:#FFFBEB;border:1px solid #FDE68A;border-radius:10px;padding:14px 18px;font-size:13px;color:#78350F;line-height:1.6;margin-top:8px}
/* SECTION DIVIDER */
.section-divider{height:1px;background:var(--gray-200);margin:24px 0}
/* SIDEBAR */
.sidebar-ad{background:#fff;border:1.5px solid var(--gray-200);border-radius:14px;overflow:hidden;min-height:120px}
.related-card{background:#fff;border:1.5px solid var(--gray-200);border-radius:14px;padding:20px}
.related-card h4{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gray-400);margin-bottom:14px}
.related-list{list-style:none;display:flex;flex-direction:column;gap:2px}
.related-list li a{display:block;padding:8px 10px;border-radius:8px;font-size:13px;color:var(--navy);text-decoration:none;font-weight:500;transition:all 0.12s}
.related-list li a:hover{background:var(--teal-pale);color:var(--teal);padding-left:14px}
/* UTILITIES */
.teal{color:var(--teal)}
.progress-bar-wrap{background:var(--gray-100);border-radius:6px;height:8px;overflow:hidden;margin-top:6px}
.progress-bar-fill{height:100%;background:var(--teal);border-radius:6px;transition:width 0.3s}
/* RESPONSIVE */
@media(max-width:1200px){.calc-wrapper{padding:24px 32px 48px}.calc-hero{padding:28px 32px 36px}}
@media(max-width:1024px){.calc-wrapper{flex-direction:column}.calc-sidebar{width:100%;flex-direction:row;flex-wrap:wrap}.calc-sidebar>*{flex:1;min-width:280px}}
@media(max-width:768px){.calc-hero{padding:24px 20px 30px}.calc-hero h1{font-size:26px}.calc-wrapper{padding:20px 16px 40px;gap:16px}.calc-split{grid-template-columns:1fr}.info-grid{grid-template-columns:1fr}.calc-sidebar{flex-direction:column}}
@media(max-width:480px){.result-grid{grid-template-columns:1fr}.result-item .value{font-size:18px}}

/* ── Two-column form grid (reduces vertical scrolling) ─── */
.form-grid-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; margin-bottom: 20px; }
.form-grid-2col .form-row { display: flex; flex-direction: column; gap: 5px; }
.form-grid-2col .span-2 { grid-column: 1 / -1; }

/* ── Two-tone results panel ───────────────────────────── */
.calc-results-numbers {
  background: linear-gradient(160deg, #0D1B2A 0%, #0A2438 100%);
  border: 1px solid rgba(29,181,132,0.15);
}
.calc-results-numbers h3 { color: rgba(255,255,255,0.35); }

/* ── Country badge (SVG pill, replaces emoji) ────────── */
.country-badge {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 6px 14px; border-radius: 8px; border: 1px solid;
  font-size: 13px; font-weight: 600; margin-top: 4px;
}
.cw-usa-badge { background: rgba(29,78,216,0.12); border-color: rgba(29,78,216,0.28); color: #93B8F5; }
.cw-ca-badge  { background: rgba(213,43,30,0.1);  border-color: rgba(213,43,30,0.25);  color: #F4A29A; }

/* ── Dropdown arrow style (replaces icon box) ─────────── */
.cw-ddarrow { width:16px; height:16px; display:flex; align-items:center; justify-content:center; flex-shrink:0; opacity:.65; }
.cw-ddarrow svg { width:13px; height:13px; }


/* ── Sandwich layout: dark hero → white body → dark footer ── */
/* body is white, hero overrides to navy, shared.js footer is navy-deep */

/* ── Two-column form layout ─────────────────────────────── */

/* ── Improved results numbers (two-tone gradient) ────────── */
.calc-results-numbers {
  background: linear-gradient(150deg, #0D2137 0%, #0A1628 50%, #0D1B2A 100%);
  border: 1px solid rgba(29,181,132,0.18);
  border-radius: 16px;
  padding: 24px;
}
.result-item {
  background: rgba(255,255,255,0.06);
  border-radius: 10px;
  padding: 14px 16px;
  border: 1px solid rgba(255,255,255,0.1);
}
.result-item .label {
  font-size: 10px; font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase; color: rgba(255,255,255,0.5) !important; margin-bottom: 6px;
}
.result-item .value { font-size: 24px; font-weight: 800; color: #ffffff !important; letter-spacing: -.5px; }

/* ── Sidebar related card arrow style (like reference) ────── */
.related-list li a {
  display: flex; align-items: center; gap: 8px;
  padding: 9px 12px; border-radius: 8px;
  font-size: 13px; color: #374151;
  text-decoration: none; font-weight: 500;
  transition: all 0.12s;
}
.related-list li a::before {
  content: "→"; color: #1DB584; font-size: 13px; font-weight: 700; flex-shrink: 0;
}
.related-list li a:hover { background: #E6F7F1; color: #1DB584; padding-left: 16px; }

/* ── Share & Print buttons in Results header ──────── */
.results-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.results-header h3{margin:0}
.results-actions{display:flex;gap:7px}
.res-btn{display:inline-flex;align-items:center;gap:5px;padding:7px 13px;border-radius:8px;font-size:12px;font-weight:700;font-family:inherit;cursor:pointer;border:none;transition:all .16s;white-space:nowrap;letter-spacing:-.1px}
.res-share{background:#1DB584;color:#fff}
.res-share:hover{background:#18a073;transform:translateY(-1px);box-shadow:0 4px 14px rgba(29,181,132,.35)}
.res-share:active{transform:translateY(0)}
.res-print{background:rgba(255,255,255,.1);color:rgba(255,255,255,.8);border:1px solid rgba(255,255,255,.15)}
.res-print:hover{background:rgba(255,255,255,.18);color:#fff;border-color:rgba(255,255,255,.3)}
/* Toast */
.url-toast{position:fixed;bottom:28px;left:50%;transform:translateX(-50%) translateY(16px);background:#0D1B2A;color:#fff;padding:11px 22px;border-radius:10px;font-size:13px;font-weight:600;font-family:inherit;box-shadow:0 8px 32px rgba(0,0,0,.3);border:1px solid rgba(29,181,132,.35);opacity:0;transition:all .28s cubic-bezier(.34,1.56,.64,1);pointer-events:none;z-index:9999;display:flex;align-items:center;gap:8px}
.url-toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.url-toast svg{color:#1DB584;flex-shrink:0}
/* Print */
@media print{
  /* Hide everything except calculator results */
  .cw-nav,.calc-hero,.calc-inputs-panel,.calc-results-chart,
  .results-actions,.content-card,.calc-sidebar,.disclaimer,
  .cw-ft,.cw-footer,.url-toast,.cw-mb,
  .fcs-share-modal,footer{display:none!important}

  /* Show branded header + disclaimer footer */
  #print-header{display:flex!important;justify-content:space-between!important;align-items:center!important;-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  #print-footer{display:block!important;-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}

  /* Layout */
  .calc-body,.calc-wrapper{display:block!important;padding:0!important;margin:0!important}
  .calc-split{display:block!important}
  .calc-results-panel{display:block!important;width:100%!important}

  /* Fix 3: Results h3 — big, same as section titles */
  .results-header{display:flex!important;align-items:center!important;justify-content:space-between!important;margin-bottom:16px!important;padding-bottom:12px!important;border-bottom:2px solid #E4E9EF!important}
  .results-header h3{font-size:20px!important;font-weight:700!important;color:#0D1B2A!important;margin:0!important}

  /* Fix 4: White bg + dark text — fully readable in PDF */
  .calc-results-numbers{background:#fff!important;border:1px solid #E4E9EF!important;padding:20px!important;border-radius:12px!important;-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  .result-item{background:#F8FAFB!important;border:1px solid #E4E9EF!important;border-radius:8px!important;-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  .result-item .label,.label{color:#6B7A8D!important;font-size:10px!important}
  .result-item .value,.value{color:#0D1B2A!important;font-size:20px!important;font-weight:800!important}
  .result-item .value.teal,.value.teal{color:#0D1B2A!important}

  *{-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  @page{size:A4 portrait;margin:14mm 16mm}
}
#print-header{display:none;background:#0D1B2A;color:#fff;padding:20px 28px;border-radius:10px;margin-bottom:20px;flex-direction:row;justify-content:space-between;align-items:center;-webkit-print-color-adjust:exact;print-color-adjust:exact}
#print-footer{display:none;margin-top:24px;padding:14px 18px;background:#FFFBEB;border:1px solid #FDE68A;border-radius:8px;font-size:11.5px;color:#78350F;line-height:1.65;-webkit-print-color-adjust:exact;print-color-adjust:exact}

/* ── Ultra-narrow screens (375px — iPhone SE, most Android) ── */
@media(max-width:375px){
  .calc-hero{padding:20px 14px 24px}
  .calc-hero h1{font-size:22px;letter-spacing:-.4px}
  .calc-hero-sub{font-size:13px}
  .calc-wrapper{padding:16px 12px 40px;gap:12px}
  .calc-inputs-panel,.calc-results-panel{padding:16px 14px}
  .form-row{gap:10px}
  .form-grid{gap:10px}
  .input-prefix,.input-suffix{font-size:14px}
  .input-prefix input,.input-suffix input,
  .calc-inputs-panel input,.calc-inputs-panel select{
    font-size:15px;padding:9px 10px
  }
  .calc-btn{padding:13px 16px;font-size:15px}
  .result-item{padding:12px 12px}
  .value{font-size:20px}
  .results-header h3{font-size:17px}
  .res-btn{padding:6px 10px;font-size:11px;gap:4px}
  /* Nav — collapse hamburger earlier */
  .cw-nl{display:none}
  .cw-mb{display:flex}
  /* Hero pill bar wraps cleanly */
  .hero-pill{flex-wrap:wrap;gap:6px;padding:8px 12px}
  /* All-calculators hub */
  .hub-grid{grid-template-columns:1fr!important}
  /* Blog cards */
  .blog-card-img{height:160px}
}
/* ── Extremely narrow (360px — budget Android) ── */
@media(max-width:360px){
  .calc-hero h1{font-size:20px}
  .cw-logo{font-size:16px}
  .calc-split{grid-template-columns:1fr!important}
}

/* ── Mobile table horizontal scroll ──────────────────────────── */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px}
.table-scroll table,.table-scroll .data-table{min-width:480px;width:100%}
/* Prevent table from expanding page width */
@media(max-width:768px){
  .content-card{overflow:hidden}
  table.data-table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;white-space:nowrap;font-size:13px}
  table.data-table th,table.data-table td{padding:8px 10px;white-space:nowrap}
  /* Amortization schedule table */
  .amort-table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .amort-table table{min-width:400px}
}