#calc-hero {
    padding: 144px 24px 32px;
    background: var(--color-bg-white);
    font-family: 'Inter', sans-serif;
    text-align: center;
}

@media (min-width: 1024px) {
    #calc-hero {
        padding: 176px 24px 48px;
    }
}

.calch-container {
    max-width: 1100px;
    margin: 0 auto;
}

.calch-inner {
    max-width: 720px;
    margin: 0 auto;
}

.calch-label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--color-text-placeholder);
    margin-bottom: 16px;
    font-family: 'Inter', sans-serif;
}

.calch-title {
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 800;
    color: var(--color-text-primary);
    letter-spacing: -0.04em;
    line-height: 1.1;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.calch-text {
    font-size: clamp(16px, 2vw, 18px);
    color: var(--color-text-secondary);
    line-height: 1.7;
    max-width: 620px;
    margin: 0 auto;
    font-family: 'Inter', sans-serif;
}


#calc-steps {
    padding: 0 24px 24px;
    background: var(--color-bg-white);
    font-family: 'Inter', sans-serif;
}

.calcs-container {
    max-width: 620px;
    margin: 0 auto;
}

.calcs-track {
    display: flex;
    align-items: center;
}

/* ── Each step wrapper ── */
.calcs-step {
    display: flex;
    align-items: center;
    flex: 1;
}

.calcs-step--last {
    flex: 0 0 auto;
}

/* ── Dot + label ── */
.calcs-step-inner {
    display: flex;
    align-items: center;
    gap: 8px;
    opacity: 0.35;
    flex-shrink: 0;
}

.calcs-step--active .calcs-step-inner {
    opacity: 1;
}

.calcs-dot {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--color-border-medium);
    color: var(--color-border-medium);
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-family: 'Inter', sans-serif;
}

.calcs-dot--active {
    background: var(--color-primary-dark);
    color: #ffffff;
}

.calcs-label {
    font-size: 12px;
    font-weight: 500;
    color: var(--color-text-secondary);
    display: none;
    font-family: 'Inter', sans-serif;
    white-space: nowrap;
}

@media (min-width: 480px) {
    .calcs-label {
        display: inline;
    }
}

/* ── Connector line ── */
.calcs-line {
    flex: 1;
    height: 2px;
    background: var(--color-border-light);
    margin: 0 8px;
}

.calcs-line--active {
    background: var(--color-primary-dark);
    opacity: 0.3;
}


/* ════════════════════════════════════
   SHARED CALC UTILITIES
════════════════════════════════════ */

.calc-section-hidden {
    display: none !important;
}

/* ════════════════════════════════════
   STEP 1 — ASSET SELECTION
════════════════════════════════════ */

#calc-asset {
    padding: 0 24px 80px;
    background: var(--color-bg-white);
    font-family: 'Inter', sans-serif;
}

.calca-container {
    max-width: 1100px;
    margin: 0 auto;
}

.calca-inner {
    max-width: 860px;
    margin: 0 auto;
}

.calca-title {
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 800;
    color: var(--color-text-primary);
    text-align: center;
    letter-spacing: -0.03em;
    margin: 0 0 12px;
    font-family: 'Inter', sans-serif;
}

.calca-subtitle {
    font-size: 15px;
    color: var(--color-text-secondary);
    text-align: center;
    margin: 0 0 40px;
    font-family: 'Inter', sans-serif;
}

.calca-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

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

.calca-card {
    background: var(--color-bg-white);
    border: 1px solid var(--color-border-light);
    border-radius: 12px;
    padding: 24px;
    text-align: left;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: border-color 0.2s ease, background 0.15s ease, transform 0.15s ease;
}

.calca-card:hover {
    border-color: var(--color-primary-dark);
    background: var(--color-bg-hero-start);
    transform: translateY(-2px);
}

.calca-card--selected {
    border-color: var(--color-primary-dark);
    background: var(--color-bg-hero-start);
}

.calca-card-icon {
    font-size: 2rem;
    display: block;
    margin-bottom: 12px;
}

.calca-card-name {
    font-size: 16px;
    font-weight: 600;
    color: var(--color-text-primary);
    margin: 0 0 4px;
    font-family: 'Inter', sans-serif;
}

.calca-card-desc {
    font-size: 12px;
    color: var(--color-text-secondary);
    margin: 0 0 8px;
    font-family: 'Inter', sans-serif;
}

.calca-card-rate {
    font-size: 11px;
    color: var(--color-text-placeholder);
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ════════════════════════════════════
   STEP 2 — DETAILS
════════════════════════════════════ */

#calc-details,
#calc-info {
    padding: 0 24px 80px;
    background: var(--color-bg-white);
    font-family: 'Inter', sans-serif;
}

.calcd-container,
.calci-container {
    max-width: 1100px;
    margin: 0 auto;
}

.calcd-inner,
.calci-inner {
    max-width: 560px;
    margin: 0 auto;
}

.calcd-form,
.calci-form {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-top: 40px;
}

.calcd-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.calcd-label {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--color-text-secondary);
    font-family: 'Inter', sans-serif;
}

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

.calcd-prefix {
    position: absolute;
    left: 16px;
    font-size: 14px;
    color: var(--color-text-secondary);
    pointer-events: none;
    font-family: 'Inter', sans-serif;
}

.calcd-input {
    width: 100%;
    padding: 12px 16px;
    background: var(--color-bg-white);
    border: 1px solid var(--color-border-light);
    border-radius: 12px;
    font-size: 14px;
    color: var(--color-text-primary);
    font-family: 'Inter', sans-serif;
    transition: border-color 0.2s;
    box-sizing: border-box;
}

.calcd-input-wrap .calcd-input {
    padding-left: 28px;
}

.calcd-input:focus {
    outline: none;
    border-color: var(--color-primary-dark);
}

.calcd-input::placeholder {
    color: var(--color-text-placeholder);
}

.calcd-select {
    width: 100%;
    padding: 12px 16px;
    background: var(--color-bg-white);
    border: 1px solid var(--color-border-light);
    border-radius: 12px;
    font-size: 14px;
    color: var(--color-text-primary);
    font-family: 'Inter', sans-serif;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23999' stroke-width='2'%3E%3Cpath d='M19 9l-7 7-7-7'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    cursor: pointer;
    transition: border-color 0.2s;
}

.calcd-select:focus {
    outline: none;
    border-color: var(--color-primary-dark);
}

.calcd-radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.calcd-radio {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    border: 1px solid var(--color-border-light);
    border-radius: 999px;
    cursor: pointer;
    font-size: 13px;
    color: var(--color-text-secondary);
    font-family: 'Inter', sans-serif;
    transition: border-color 0.15s, background 0.15s, color 0.15s;
}

.calcd-radio input[type="radio"] {
    display: none;
}

.calcd-radio:has(input:checked) {
    border-color: var(--color-primary-dark);
    background: var(--color-bg-hero-start);
    color: var(--color-primary-dark);
    font-weight: 600;
}

.calcd-hint {
    font-size: 11px;
    color: var(--color-text-placeholder);
    margin: 0;
    font-family: 'Inter', sans-serif;
    line-height: 1.5;
}

.calcd-actions {
    display: flex;
    gap: 12px;
    align-items: center;
    padding-top: 8px;
}

.calcd-back {
    padding: 12px 20px;
    background: transparent;
    border: 1px solid var(--color-border-light);
    border-radius: 999px;
    font-size: 14px;
    font-weight: 500;
    color: var(--color-text-secondary);
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: border-color 0.2s, color 0.2s;
}

.calcd-back:hover {
    border-color: var(--color-border-medium);
    color: var(--color-text-primary);
}

.calcd-next {
    flex: 1;
    padding: 12px 24px;
    background: var(--color-primary-dark);
    color: #ffffff;
    border: none;
    border-radius: 999px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: opacity 0.2s;
}

.calcd-next:hover {
    opacity: 0.88;
}

/* ── Step 3 two-col row ── */
.calci-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

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

/* ════════════════════════════════════
   STEP 4 — REPORT
════════════════════════════════════ */

#calc-report {
    padding: 0 24px 96px;
    background: var(--color-bg-white);
    font-family: 'Inter', sans-serif;
}

.calcr-container {
    max-width: 1100px;
    margin: 0 auto;
}

.calcr-inner {
    max-width: 720px;
    margin: 0 auto;
}

.calcr-header {
    text-align: center;
    margin-bottom: 40px;
}

.calcr-eyebrow {
    display: block;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--color-text-placeholder);
    margin-bottom: 12px;
    font-family: 'Inter', sans-serif;
}

.calcr-title {
    font-size: clamp(2rem, 4vw, 2.5rem);
    font-weight: 800;
    color: var(--color-text-primary);
    letter-spacing: -0.03em;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Comparison grid ── */
.calcr-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 24px;
}

@media (max-width: 520px) {
    .calcr-grid {
        grid-template-columns: 1fr;
    }
}

.calcr-col {
    border: 1px solid var(--color-border-light);
    border-radius: 16px;
    padding: 28px 24px;
    font-family: 'Inter', sans-serif;
}

.calcr-col--sc {
    border-color: var(--color-primary-dark);
    background: var(--color-bg-hero-start);
}

.calcr-col-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--color-text-placeholder);
    margin-bottom: 8px;
    font-family: 'Inter', sans-serif;
}

.calcr-col-badge {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--color-primary-dark);
    margin-bottom: 8px;
    font-family: 'Inter', sans-serif;
}

.calcr-col-apr {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--color-text-primary);
    letter-spacing: -0.03em;
    margin-bottom: 4px;
    font-family: 'Inter', sans-serif;
}

.calcr-col-apr--sc {
    color: var(--color-primary-dark);
}

.calcr-col-desc {
    font-size: 12px;
    color: var(--color-text-placeholder);
    margin-bottom: 16px;
    font-family: 'Inter', sans-serif;
}

.calcr-divider {
    height: 1px;
    background: var(--color-border-divider);
    margin-bottom: 16px;
}

.calcr-stat {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 10px;
    font-family: 'Inter', sans-serif;
}

.calcr-stat:last-child {
    margin-bottom: 0;
}

.calcr-stat-label {
    font-size: 12px;
    color: var(--color-text-secondary);
}

.calcr-stat-value {
    font-size: 14px;
    font-weight: 600;
    color: var(--color-text-primary);
}

.calcr-stat-value--red {
    color: #c0392b;
}

/* ── Savings banner ── */
.calcr-savings-banner {
    background: var(--color-primary-dark);
    border-radius: 12px;
    padding: 20px 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 32px;
    font-family: 'Inter', sans-serif;
    text-align: center;
}

.calcr-savings-label {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.7);
    font-family: 'Inter', sans-serif;
}

.calcr-savings-amount {
    font-size: 2rem;
    font-weight: 800;
    color: #ffffff;
    letter-spacing: -0.04em;
    font-family: 'Inter', sans-serif;
}

/* ── Actions ── */
.calcr-actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 24px;
}

.calcr-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    border-radius: 999px;
    font-size: 15px;
    font-weight: 600;
    text-decoration: none;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: opacity 0.2s, border-color 0.2s;
    border: none;
}

.calcr-btn--primary {
    background: var(--color-primary-dark);
    color: #ffffff;
}

.calcr-btn--primary:hover {
    opacity: 0.88;
}

.calcr-btn--outline {
    background: transparent;
    border: 1px solid var(--color-border-medium);
    color: var(--color-text-secondary);
}

.calcr-btn--outline:hover {
    border-color: var(--color-primary-dark);
    color: var(--color-primary-dark);
}

.calcr-disclaimer {
    font-size: 11px;
    color: var(--color-text-placeholder);
    text-align: center;
    line-height: 1.6;
    max-width: 560px;
    margin: 0 auto;
    font-family: 'Inter', sans-serif;
}