/* ============================================
   LOANS CALCULATOR - PAGE-SPECIFIC CSS
   Matches shared "Net Pay" component system
   Uses tokens from assets/css/base.css
   ============================================ */

/* LAYOUT */
.calc.calc--loans {
  background: var(--color-surface);
  overflow-x: clip;
}

.calc.calc--loans .section-heading h1 {
  color: var(--color-primary);
  font-size: 2rem;
  line-height: 1.2;
  font-weight: 800;
}

@media (min-width: 640px) {
  .calc.calc--loans .section-heading h1 {
    font-size: 2.5rem;
  }
}

.calc.calc--loans .section-heading p {
  margin-top: var(--space-sm);
  padding: var(--space-md) var(--space-lg);
  background: rgba(0, 69, 38, 0.06);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-primary);
  border-radius: var(--radius-md);
}

.calc__grid {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  gap: var(--space-xl);
  grid-template-columns: 1fr;
}

.calc__grid > * { min-width: 0; }

@media (min-width: 1024px) {
  .calc__grid {
    grid-template-columns: minmax(0, 1fr) minmax(340px, 440px);
    align-items: start;
    gap: var(--space-2xl);
  }
}

/* ============================================
   EDUCATIONAL SECTIONS (NET-PAY STYLE)
   ============================================ */

/* TRUST SIGNALS */
.calc-trust-signals { display:flex; flex-wrap:wrap; gap: var(--space-sm); justify-content:center; margin-top: var(--space-md); }
.trust-badge { display:inline-flex; align-items:center; gap: var(--space-xs); padding: var(--space-xs) var(--space-md); background: rgba(0,69,38,.08); border:1px solid rgba(0,69,38,.2); border-radius: var(--radius-pill); font-size:.85rem; font-weight:600; color: var(--color-primary); white-space:nowrap; }
@media (max-width:640px){ .calc-trust-signals{ flex-direction:column; align-items:center; } .trust-badge{ width:100%; max-width:280px; justify-content:center; } }

/* HOW THIS CALCULATOR WORKS SECTION */
.calc-guide { background: var(--color-surface); padding: var(--space-3xl) var(--gutter); }
.calc-guide .section-heading { text-align: center; margin-bottom: var(--space-2xl); }
.calc-guide .section-heading h2 { color: var(--color-primary); font-weight: 800; font-size: clamp(1.8rem, 3vw, 2.2rem); letter-spacing: -0.02em; margin-bottom: var(--space-md); }
.calc-guide .section-heading p { color: var(--color-text-muted); font-size: 1.1rem; line-height: 1.6; max-width: 70ch; margin: 0 auto; background: rgba(0, 69, 38, 0.05); padding: var(--space-sm) var(--space-md); border-radius: var(--radius-md); border: 1px solid rgba(0, 69, 38, 0.1); }
.guide-content { max-width: var(--max-width); margin: 0 auto; display: grid; gap: var(--space-xl); }
.guide-step { background: rgba(255, 255, 255, 0.98); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-xl); box-shadow: var(--shadow-xs); transition: all var(--transition-base); position: relative; }
.guide-step:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: rgba(0, 69, 38, 0.2); }
.guide-step h3 { color: var(--color-primary); font-size: 1.3rem; font-weight: 700; margin: 0 0 var(--space-md); padding-left: calc(var(--space-lg) + 28px); position: relative; }
.guide-step h3::before { content: ''; position: absolute; left: 0; top: 50%; transform: translateY(-50%); width: 24px; height: 24px; background: var(--color-primary); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 0.75rem; }
.guide-step:nth-child(1) h3::before { content: '1'; }
.guide-step:nth-child(2) h3::before { content: '2'; }
.guide-step:nth-child(3) h3::before { content: '3'; }
.guide-step:nth-child(4) h3::before { content: '4'; }
.guide-step p { color: var(--color-text); line-height: 1.7; margin: 0 0 var(--space-md); padding-left: var(--space-lg); }
.guide-step p:last-child { margin-bottom: 0; }
@media (max-width: 640px) { .guide-step { padding: var(--space-lg); } .guide-step h3 { font-size: 1.15rem; padding-left: calc(var(--space-md) + 24px); } .guide-step h3::before { width: 20px; height: 20px; font-size: 0.7rem; } .guide-step p { padding-left: calc(var(--space-md) + 24px); } }

/* UNDERSTANDING YOUR RESULTS SECTION */
.calc-results-guide { background: var(--color-bg-soft); padding: var(--space-3xl) var(--gutter); }
.calc-results-guide .section-heading { text-align: center; margin-bottom: var(--space-2xl); }
.calc-results-guide .section-heading h2 { color: var(--color-primary); font-weight: 800; font-size: clamp(1.8rem, 3vw, 2.2rem); letter-spacing: -0.02em; margin-bottom: var(--space-md); }
.calc-results-guide .section-heading p { color: var(--color-text-muted); font-size: 1.1rem; line-height: 1.6; max-width: 70ch; margin: 0 auto; background: rgba(0, 69, 38, 0.05); padding: var(--space-sm) var(--space-md); border-radius: var(--radius-md); border: 1px solid rgba(0, 69, 38, 0.1); }
.results-guide-content { max-width: var(--max-width); margin: 0 auto; display: grid; gap: var(--space-lg); grid-template-columns: 1fr; }
@media (min-width: 640px) { .results-guide-content { grid-template-columns: repeat(2, 1fr); } }
.results-item { background: rgba(255, 255, 255, 0.98); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-lg); box-shadow: var(--shadow-xs); transition: all var(--transition-base); }
.results-item:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: rgba(0, 69, 38, 0.2); }
.results-item h3 { color: var(--color-primary); font-size: 1.2rem; font-weight: 700; margin: 0 0 var(--space-sm); display: flex; align-items: center; gap: var(--space-sm); }
.results-item h3::before { content: '✓'; width: 28px; height: 28px; background: rgba(0, 69, 38, 0.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--color-primary); font-size: 0.9rem; font-weight: 700; flex-shrink: 0; }
.results-item p { color: var(--color-text); line-height: 1.7; margin: 0; font-size: 0.95rem; }

/* WHEN TO USE THIS CALCULATOR SECTION */
.calc-use-cases { background: var(--color-surface); padding: var(--space-3xl) var(--gutter); }
.calc-use-cases .section-heading { text-align: center; margin-bottom: var(--space-2xl); }
.calc-use-cases .section-heading h2 { color: var(--color-primary); font-weight: 800; font-size: clamp(1.8rem, 3vw, 2.2rem); letter-spacing: -0.02em; margin-bottom: var(--space-md); }
.calc-use-cases .section-heading p { color: var(--color-text-muted); font-size: 1.1rem; line-height: 1.6; max-width: 70ch; margin: 0 auto; background: rgba(0, 69, 38, 0.05); padding: var(--space-sm) var(--space-md); border-radius: var(--radius-md); border: 1px solid rgba(0, 69, 38, 0.1); }
.use-cases-grid { max-width: var(--max-width); margin: 0 auto; display: grid; gap: var(--space-lg); grid-template-columns: 1fr; }
@media (min-width: 640px) { .use-cases-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .use-cases-grid { grid-template-columns: repeat(3, 1fr); } }
.use-case-card { background: rgba(255, 255, 255, 0.98); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-lg); box-shadow: var(--shadow-xs); transition: all var(--transition-base); display: flex; flex-direction: column; gap: var(--space-md); }
.use-case-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: rgba(0, 69, 38, 0.25); }
.use-case-card h3 { color: var(--color-primary); font-size: 1.2rem; font-weight: 700; margin: 0; display: flex; align-items: center; gap: var(--space-sm); }
.use-case-number { display: inline-flex; align-items: center; justify-content: center; width: 28px; height: 28px; background: var(--color-primary); color: white; border-radius: 50%; font-size: 0.85rem; font-weight: 700; flex-shrink: 0; }
.use-case-card p { color: var(--color-text); line-height: 1.7; margin: 0; font-size: 0.95rem; flex: 1; }

/* REAL-WORLD EXAMPLES - 2x2 GRID */
.examples .examples__grid { display: grid; gap: var(--space-lg); grid-template-columns: 1fr; max-width: var(--max-width); margin: 0 auto; }
@media (min-width: 640px) { .examples .examples__grid { grid-template-columns: repeat(2, 1fr); } }
.examples .example-card { min-height: 240px; display: grid; grid-template-rows: auto auto 1fr auto; padding: var(--space-lg); background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-xs); transition: all var(--transition-base); }
.examples .example-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: rgba(0, 69, 38, 0.25); }
.examples .example-card h3 { margin: 0 0 var(--space-xs); font-size: 1.15rem; line-height: 1.3; color: var(--color-primary); font-weight: 700; }
.examples .example-card .example-card__meta { margin: 0 0 var(--space-sm); color: var(--color-text-muted); font-size: 0.9rem; }
.example-card__panel { background: rgba(229, 240, 232, 0.35); border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; margin: var(--space-sm) 0 var(--space-md); }
.example-card__panel p { padding: var(--space-sm) var(--space-md); border-bottom: 1px dotted rgba(0, 69, 38, 0.28); margin: 0; font-size: 0.9rem; }
.example-card__panel p:last-child { border-bottom: 0; }
.example-card__peek { color: var(--color-text-soft); }
.example-card__peek strong { color: var(--color-primary); font-weight: 800; font-size: 1.1rem; display: block; margin-top: 4px; font-variant-numeric: tabular-nums; }
.example-card__actions { display: flex; align-items: center; justify-content: space-between; gap: var(--space-md); margin-top: var(--space-sm); flex-wrap: wrap; }
.example-card__tags { display: inline-flex; gap: 0.4rem; flex-wrap: wrap; margin: 0; }
.example-card__tags .chip { background: rgba(0, 69, 38, 0.06); border: 1px solid var(--color-border); padding: 0.3rem 0.6rem; font-size: 0.8rem; }
.example-card__tags .chip--soft { background: rgba(201, 145, 55, 0.12); border-color: rgba(201, 145, 55, 0.3); color: #a86b1f; }
.examples .example-card .btn { min-height: 40px; padding: 0.45rem 0.85rem; font-size: 0.88rem; white-space: nowrap; justify-self: start; width: auto; }
@media (max-width: 640px) { .examples .example-card .btn { justify-self: stretch; width: 100%; } .example-card__actions { flex-direction: column; align-items: stretch; } }

/* OFFICIAL DATA SOURCES SECTION */
.data-sources { background: var(--color-bg-soft); padding: var(--space-3xl) var(--gutter); }
.data-sources .section-heading { text-align: center; margin-bottom: var(--space-2xl); }
.data-sources .section-heading h2 { color: var(--color-primary); font-weight: 800; font-size: clamp(1.8rem, 3vw, 2.2rem); letter-spacing: -0.02em; margin-bottom: var(--space-md); }
.data-sources .section-heading p { color: var(--color-text-muted); font-size: 1.1rem; line-height: 1.6; max-width: 70ch; margin: 0 auto; background: rgba(0, 69, 38, 0.05); padding: var(--space-sm) var(--space-md); border-radius: var(--radius-md); border: 1px solid rgba(0, 69, 38, 0.1); }
.sources-content { max-width: var(--max-width); margin: 0 auto; }
.sources-list { background: rgba(255, 255, 255, 0.98); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-xl); box-shadow: var(--shadow-xs); list-style: none; margin: 0 0 var(--space-lg); display: grid; gap: var(--space-lg); }
.sources-list li { position: relative; padding-left: var(--space-xl); line-height: 1.6; }
.sources-list li::before { content: '→'; position: absolute; left: 0; top: 0; color: var(--color-primary); font-weight: 700; font-size: 1.1rem; }
.sources-list a { color: var(--color-primary); text-decoration: underline; font-weight: 600; transition: color var(--transition-fast); }
.sources-list a:hover { color: var(--color-accent-gold); }

/* FAQ ENHANCEMENTS */
.faq { background: var(--color-surface); padding: var(--space-3xl) var(--gutter); }
.faq .section-heading h2 { font-size: clamp(1.75rem,3vw,2.25rem); }
.faq .section-heading p { font-size:.95rem; }

/* Toast + results visibility (suite standard) */
.toast{ position:fixed; top:20px; right:20px; z-index:9999; max-width:400px; width:auto; opacity:0; visibility:hidden; transform: translateX(400px); transition: all .3s cubic-bezier(0.4,0,0.2,1); }
.toast.show{ opacity:1; visibility:visible; transform: translateX(0); }
.toast__content{ display:flex; align-items:center; gap:12px; padding:16px 20px; background:#10b981; color:#fff; border-radius:8px; box-shadow:0 10px 25px rgba(0,0,0,.15), 0 4px 12px rgba(0,0,0,.1); font-size:.95rem; font-weight:500; line-height:1.4; }
.toast__icon{ font-size:1.25rem; flex-shrink:0; }
@media (max-width:640px){ .toast{ left:10px; right:10px; max-width:none; top:10px; } .toast__content{ padding:14px 16px; font-size:.9rem; } }

.calc__results[data-calculated="false"]{ opacity:.5; pointer-events:none; filter: grayscale(.2); }
.calc__results[data-calculated="true"]{ opacity:1; pointer-events:auto; filter:none; }

.calc__results { display: grid; gap: var(--space-lg); align-content: start; }

@media (min-width: 1024px) {
  .calc__results {
    position: sticky;
    top: calc(var(--header-height) + var(--status-banner-height) + var(--space-lg));
  }
}

/* CALCULATOR FORM */
.calc__form { display: grid; gap: var(--space-lg); align-self: start; }

.calc__form label { display: grid; gap: var(--space-xs); font-weight: 600; transition: all var(--transition-fast); }

.calc__form label > span { color: var(--color-text); font-size: 0.9rem; }

.calc.calc--loans .calc__form input[type="number"],
.calc.calc--loans .calc__form input[type="text"],
.calc.calc--loans .calc__form input[type="search"],
.calc.calc--loans .calc__form input[type="date"],
.calc.calc--loans .calc__form select {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: rgba(229, 240, 232, 0.35);
  min-height: 48px;
  padding: var(--space-sm) var(--space-md);
  font-size: 1rem;
  transition: all var(--transition-fast);
  font-variant-numeric: tabular-nums;
}

.calc.calc--loans .calc__form input:focus-visible,
.calc.calc--loans .calc__form select:focus-visible {
  outline: none;
  box-shadow: var(--shadow-focus);
  border-color: rgba(182, 134, 44, 0.6);
  background: rgba(255, 255, 255, 0.95);
  transform: translateY(-1px);
}

.calc.calc--loans .calc__form input::placeholder { color: var(--color-text-soft); opacity: 0.6; }

/* Date inputs: ensure consistent typography */
.calc.calc--loans .calc__form input[type="date"] { font-family: inherit; }

/* FORM SEGMENTS */
.seg {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  box-shadow: var(--shadow-xs);
}

.seg + .seg { margin-top: var(--space-lg); }

.seg > legend {
  padding: 0 var(--space-xs);
  margin-bottom: var(--space-md);
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--color-primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.seg__inner {
  display: grid;
  gap: var(--space-md);
}

/* FIELDS */
.field {
  display: grid;
  gap: var(--space-xs);
}

.field span { font-weight: 600; font-size: 0.9rem; color: var(--color-text); }

.field input,
.field select {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: var(--space-sm) var(--space-md);
  background: var(--color-surface-elevated);
  font-size: 0.95rem;
  min-height: 44px;
  transition: all var(--transition-fast);
}

.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--color-accent-gold);
  box-shadow: var(--shadow-focus);
}

.field--currency {
  position: relative;
}

.field__affix {
  position: absolute;
  left: var(--space-md);
  top: 50%;
  transform: translateY(-10%);
  translate: 0 -50%;
  display: inline-grid;
  place-items: center;
  height: 38px;
  min-width: 3rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--color-primary);
  font-weight: 700;
  font-size: 0.9rem;
  pointer-events: none;
  z-index: 1;
}

.field--currency input { padding-left: 3.8rem; }

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

@media (min-width: 480px) {
  .field--inline { grid-template-columns: 1fr 1fr; }
}

/* FIELD ERROR STATES */
.field--error {
  border-color: #ef4444;
  border-radius: var(--radius-md);
  background: rgba(239, 68, 68, 0.05);
}
.field--error input,
.field--error select {
  border-color: #ef4444 !important;
  box-shadow: 0 0 0 2px rgba(239, 68, 68, 0.1);
}
.field--error input:focus-visible,
.field--error select:focus-visible {
  border-color: #ef4444;
  box-shadow: 0 0 0 2px rgba(239, 68, 68, 0.2), var(--shadow-focus);
}
.field__error {
  color: #ef4444;
  font-size: 0.8rem;
  font-weight: 500;
  margin-top: var(--space-xs);
  padding-left: var(--space-xs);
}

/* DETAILS (ADVANCED) */
details.seg {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

details.seg > summary {
  padding: var(--space-md) var(--space-lg);
  cursor: pointer;
  font-weight: 800;
  color: var(--color-primary);
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background: rgba(0, 69, 38, 0.05);
  transition: background var(--transition-fast);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

details.seg > summary::-webkit-details-marker { display: none; }

details.seg > summary::after {
  content: '+';
  font-size: 1.5rem;
  line-height: 1;
  transition: transform var(--transition-base);
}

details.seg[open] > summary::after { transform: rotate(45deg); }
details.seg > summary:hover { background: rgba(0, 69, 38, 0.08); }

details.seg .seg__inner { padding: var(--space-lg); }

/* TOGGLES */
.seg--toggles input[type="checkbox"],
details.seg .seg__inner input[type="checkbox"] {
  width: 20px; height: 20px; accent-color: var(--color-accent-gold); cursor: pointer;
}

/* RESULT SUMMARY */
.result-summary {
  background: linear-gradient(135deg, rgba(0, 69, 38, 0.1), rgba(0, 69, 38, 0.05));
  border: 2px solid var(--color-primary);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  margin-bottom: var(--space-lg);
}

.result-summary h2 {
  margin: 0 0 var(--space-xs);
  font-size: 1rem;
  font-weight: 800;
  color: var(--color-text-soft);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.result-summary__value {
  margin: 0;
  font-size: 2rem;
  font-weight: 900;
  color: var(--color-primary);
  font-variant-numeric: tabular-nums;
}

.result-summary__meta { margin-top: var(--space-xs); }

.chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.25rem 0.5rem;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 700;
}

.chip--soft {
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--color-border);
}

/* Submit Button - Hero Style */
.calc__form .btn[type="submit"] {
  width: 100%;
  min-height: 52px;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.02em;
  box-shadow: var(--shadow-sm);
}

.calc__form .btn[type="submit"]:hover { box-shadow: var(--shadow-md); }

/* Form hint */
.form-hint { color: var(--color-text-soft); font-size: 0.85rem; margin-top: var(--space-xs); }

/* MINI RECEIPT */
.mini-receipt dl { margin: 0; display: grid; gap: var(--space-sm); }
.mini-receipt dl > div { display: grid; grid-template-columns: 1fr auto; gap: var(--space-sm); }
.mini-receipt dt { color: var(--color-text-soft); font-weight: 600; }
.mini-receipt dd { margin: 0; font-weight: 700; color: var(--color-text); font-variant-numeric: tabular-nums; }
.mini-receipt__total { padding-top: var(--space-sm); border-top: 1px dashed var(--color-border); }

/* TABS */
.calc-tabs {
  display: flex;
  gap: var(--space-sm);
  margin-top: var(--space-lg);
  border-bottom: 1px solid var(--color-border);
}

.calc-tabs__tab {
  appearance: none;
  background: transparent;
  border: 0;
  padding: var(--space-sm) var(--space-md);
  font-weight: 700;
  color: var(--color-text-soft);
  cursor: pointer;
  border-bottom: 2px solid transparent;
}

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

.calc-tabs__tab:focus-visible { outline: none; box-shadow: var(--shadow-focus); border-radius: var(--radius-sm); }

.calc-tabpanel {
  padding: var(--space-md) 0 0;
  content-visibility: auto;
  contain-intrinsic-size: 600px;
}

/* SCHEDULE TABLE */
.calc-tabpanel { overflow-x: auto; }

.table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.table thead { background: var(--color-primary); color: #fff; }
.table thead th { padding: var(--space-sm) var(--space-md); font-weight: 700; text-align: left; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.05em; }

.table tbody td,
.table tbody th { padding: var(--space-sm) var(--space-md); border-bottom: 1px solid var(--color-border); }
.table tbody tr:nth-child(even) { background: rgba(0, 69, 38, 0.03); }
.table tbody td { font-variant-numeric: tabular-nums; }

.table tfoot { background: rgba(0, 69, 38, 0.08); font-weight: 700; }
.table tfoot th,
.table tfoot td { padding: var(--space-md); color: var(--color-primary); font-size: 0.95rem; }

/* Right align numeric columns inside schedule */
.table th[style*="text-align:right"],
.table td[style*="text-align:right"] { text-align: right; }

/* OFFER COMPARISON */
.compare-grid {
  display: grid;
  gap: var(--space-md);
  grid-template-columns: 1fr;
}

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

.compare-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-xs);
}

.compare-card h3 { margin: 0 0 var(--space-xs); font-size: 1rem; font-weight: 800; color: var(--color-primary); }
.compare-card p { margin: 0 0 var(--space-xs); }
.compare-card strong { font-variant-numeric: tabular-nums; }

/* EXAMPLES */
.examples { margin-top: var(--space-2xl); }

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

@media (min-width: 768px) {
  .examples__grid { grid-template-columns: repeat(3, 1fr); }
}

.example-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xs);
  overflow: hidden;
  display: grid;
}

.example-card__panel { padding: var(--space-lg); background: rgba(0, 69, 38, 0.04); }
.example-card__meta { color: var(--color-text-soft); font-size: 0.9rem; }
.example-card__peek { margin-top: 4px; font-weight: 600; color: var(--color-text); }

.example-card__actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  padding: var(--space-md) var(--space-lg);
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  flex-wrap: nowrap;
}

.example-card__tags { display: inline-flex; gap: 6px; }

.tag {
  display: inline-block;
  padding: 0.15rem 0.5rem;
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 800;
  background: rgba(0, 69, 38, 0.08);
  color: var(--color-primary);
}

/* NOTES / BRIEFING */
.calc-notes { margin-top: var(--space-2xl); }

.calculator-briefing__grid {
  display: grid;
  gap: var(--space-lg);
  grid-template-columns: 1fr;
}

@media (min-width: 768px) {
  .calculator-briefing__grid { grid-template-columns: repeat(3, 1fr); }
}

.calculator-briefing__grid article {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-lg);
  box-shadow: var(--shadow-xs);
}

.calculator-briefing__grid header {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}

.calculator-briefing__grid .chip { background: rgba(201, 145, 55, 0.12); border: 1px solid rgba(201, 145, 55, 0.4); }

.calculator-briefing__meta {
  list-style: none;
  margin: 0;
  padding: var(--space-md);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: rgba(229, 240, 232, 0.35);
  display: grid;
  gap: var(--space-sm);
}

.calculator-briefing__meta li {
  margin: 0;
  color: var(--color-text);
  position: relative;
  padding-left: 1.25rem;
  line-height: 1.5;
}

.calculator-briefing__meta li::before {
  content: "•";
  position: absolute;
  left: 0;
  color: var(--color-primary);
  font-weight: 700;
}

/* QUICK ACTIONS */
.calc-actions {
  max-width: var(--max-width);
  margin: var(--space-xl) auto 0;
  display: flex;
  gap: var(--space-md);
  justify-content: center;
  flex-wrap: wrap;
}

@media (min-width: 640px) {
  .calc-actions { justify-content: flex-end; }
}

/* Make quick action buttons full-width on small screens */
@media (max-width: 639px) {
  .calc-actions .btn { flex: 1 1 100%; max-width: 100%; }
}

/* SECTION HEADING UTILITIES (chips/meta) */
.calc-intro-meta { display: grid; place-items: center; margin-top: var(--space-md); }

.calc-notes .section-heading p,
.faq .section-heading p {
  color: var(--color-text-muted);
  background: rgba(0, 69, 38, 0.05);
  padding: var(--space-sm) var(--space-md);
  border-radius: var(--radius-md);
  border: 1px solid rgba(0, 69, 38, 0.1);
  max-width: 65ch;
  margin-inline: auto;
}

/* RESPONSIVE */
@media (max-width: 374px) {
  .result-summary__value { font-size: 1.6rem; }
}

/* FAQ SECTION */
.faq { background: var(--color-bg-soft); padding: var(--space-3xl) var(--gutter); }

.accordion { margin-top: var(--space-xl); }
.accordion__item { border: 1px solid var(--color-border); border-radius: var(--radius-lg); margin-bottom: var(--space-md); overflow: hidden; box-shadow: var(--shadow-xs); transition: all var(--transition-base); }
.accordion__item:hover { box-shadow: var(--shadow-sm); border-color: rgba(0,69,38,.2); }
.accordion__trigger { width: 100%; background: rgba(255,255,255,.98); border: none; padding: var(--space-lg) var(--space-xl); text-align: left; font-size: 1.1rem; font-weight: 600; color: var(--color-primary); cursor: pointer; display: flex; align-items: center; justify-content: space-between; transition: all var(--transition-fast); position: relative; }
.accordion__trigger:hover { background: rgba(0,69,38,.02); color: var(--color-primary); }
.accordion__trigger:focus-visible { outline: none; box-shadow: inset 0 0 0 2px var(--color-accent-gold); }
.accordion__trigger::after { content: '+'; font-size: 1.5rem; line-height: 1; transition: transform var(--transition-base); color: var(--color-accent-gold); font-weight: 700; }
.accordion__item[aria-expanded="true"] .accordion__trigger::after { transform: rotate(45deg); }
.accordion__content { background: rgba(229,240,232,.15); border-top: 1px solid var(--color-border); padding: var(--space-lg) var(--space-xl); max-height: 0; overflow: hidden; opacity: 0; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }
.accordion__content p { margin: 0 0 var(--space-md); line-height: 1.6; color: var(--color-text); }
.accordion__content p:last-child { margin-bottom: 0; }
.accordion__content ul, .accordion__content ol { margin: var(--space-md) 0; padding-left: var(--space-xl); }
.accordion__content li { margin-bottom: var(--space-sm); line-height: 1.5; }
.accordion__content li:last-child { margin-bottom: 0; }

/* EMPTY STATE PLACEHOLDERS */
.calc__results [data-out]:empty::after { content: "—"; color: var(--color-text-soft); }

/* PRINT STYLES */
@media print {
  .site-header,
  .site-footer,
  .calc-actions { display: none !important; }

  /* Show only the results card when printing */
  main > section:not(.calc) { display: none !important; }
  .calc__grid > :not(.calc__results) { display: none !important; }
  .calc__results { position: static; top: auto; }

  @page { margin: 15mm; size: A4 portrait; }
}

/* END LOANS CSS */