.loan-calculator{padding:2rem 0}.loan-calculator>.container>h1{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border-width:0}.tool-header{text-align:center;margin-bottom:2rem}.tool-header h1{font-size:2rem;color:var(--gray-800);margin-bottom:.5rem}.tool-header p{color:var(--gray-600)}.loan-type-selector{display:flex;gap:.75rem;justify-content:center;flex-wrap:wrap;margin-bottom:2rem}.type-btn{padding:.6rem 1.25rem;background:var(--white);border:2px solid var(--gray-200);border-radius:var(--radius);cursor:pointer;font-size:.95rem;font-weight:500;color:var(--gray-700);transition:all .2s}.type-btn:hover{border-color:var(--primary);color:var(--primary)}.type-btn.active{border-color:var(--primary);background:var(--primary);color:var(--white)}.calculator-layout{display:grid;grid-template-columns:var(--tool-controls-width, 420px) 1fr;gap:var(--tool-content-gap, 2rem);align-items:start}.calculator-form{padding:1.5rem}.calculator-form h3{margin-bottom:1.5rem;color:var(--gray-800)}.input-with-prefix,.input-with-suffix{display:flex;align-items:center;border:1px solid var(--gray-300);border-radius:var(--radius);overflow:hidden;background:var(--white)}.input-with-prefix input,.input-with-suffix input{flex:1;border:none;padding:.65rem;font-size:1rem;outline:none}.prefix,.suffix{padding:.65rem .75rem;background:var(--gray-100);color:var(--gray-600);font-weight:500}.helper-text{display:block;margin-top:.25rem;font-size:.85rem;color:var(--gray-500)}.term-presets{display:flex;gap:.5rem;margin-top:.5rem}.term-presets button{padding:.35rem .75rem;background:var(--gray-100);border:1px solid var(--gray-200);border-radius:var(--radius);cursor:pointer;font-size:.8rem;color:var(--gray-600);transition:all .2s}.term-presets button:hover{background:var(--primary-light);border-color:var(--primary);color:var(--primary)}.results-section{display:flex;flex-direction:column;gap:1.5rem}.monthly-payment-card{padding:2rem;background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:var(--white);text-align:center}.payment-amount .label{display:block;font-size:1rem;opacity:.9;margin-bottom:.5rem}.payment-amount .amount{display:block;font-size:3rem;font-weight:700}.payment-amount .extra-note{display:block;font-size:.9rem;opacity:.85;margin-top:.5rem}.summary-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.summary-card{padding:1.25rem;text-align:center}.summary-card .label{display:block;font-size:1rem;color:var(--gray-900);margin-bottom:.5rem}.summary-card .value{display:block;font-size:1.5rem;font-weight:700;color:var(--gray-800)}.summary-card .value.interest{color:var(--error)}.savings-card{padding:1.5rem;background:linear-gradient(135deg,#ecfdf5,#d1fae5);border:1px solid #a7f3d0}.savings-card h4{margin:0 0 1rem;color:#065f46}.savings-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.saving-item .label{display:block;font-size:1rem;color:var(--gray-900);margin-bottom:.5rem}.saving-item .value{font-size:1.1rem;font-weight:600;color:#047857}.saving-item .value.positive{color:#059669}.breakdown-card{padding:1.5rem}.breakdown-card h4{margin:0 0 1rem;color:var(--gray-800)}.breakdown-bar{display:flex;height:32px;border-radius:var(--radius);overflow:hidden;margin-bottom:1rem}.principal-bar{background:var(--primary);display:flex;align-items:center;justify-content:center;color:var(--white);font-size:.8rem;font-weight:500;min-width:60px}.interest-bar{background:#f97316;display:flex;align-items:center;justify-content:center;color:var(--white);font-size:.8rem;font-weight:500;min-width:60px}.breakdown-legend{display:flex;gap:var(--tool-content-gap, 2rem);justify-content:center}.legend-item{display:flex;align-items:center;gap:.5rem;font-size:.9rem;color:var(--gray-700)}.legend-item .dot{width:12px;height:12px;border-radius:50%}.legend-item .dot.principal{background:var(--primary)}.legend-item .dot.interest{background:#f97316}.amortization-toggle{text-align:center}.amortization-toggle button{padding:.75rem 1.5rem}.amortization-toggle button.active{background:var(--primary);color:var(--white);border-color:var(--primary)}.amortization-card{padding:1.5rem}.amortization-card h4{margin:0 0 1rem;color:var(--gray-800)}.amortization-table-wrapper{max-height:400px;overflow-y:auto;border:1px solid var(--gray-200);border-radius:var(--radius)}.amortization-table{width:100%;border-collapse:collapse;font-size:.85rem}.amortization-table th{background:var(--gray-100);padding:.75rem;text-align:right;font-weight:600;color:var(--gray-700);position:sticky;top:0}.amortization-table th:first-child{text-align:center}.amortization-table td{padding:.6rem .75rem;text-align:right;border-bottom:1px solid var(--gray-100);color:var(--gray-600)}.amortization-table td:first-child{text-align:center;color:var(--gray-500)}.amortization-table tr:nth-child(2n){background:var(--gray-50)}.amortization-table tr:hover{background:var(--primary-light)}.tips-section{margin-top:2rem;padding:1.5rem}.tips-section h3{margin-bottom:1.5rem;color:var(--gray-800)}.tips-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}.tip h4{font-size:.95rem;color:var(--gray-800);margin-bottom:.5rem}.tip p{font-size:.9rem;color:var(--gray-600);margin:0;line-height:1.5}@media (max-width: 1023px){.calculator-layout,.summary-cards{grid-template-columns:1fr}.tips-grid{grid-template-columns:repeat(2,1fr)}}.loan-calculator .copy-results-btn{display:flex;align-items:center;justify-content:center;gap:.5rem;width:100%;padding:.875rem 1.5rem;margin-top:1rem;background:linear-gradient(135deg,var(--primary) 0%,#6366f1 100%);color:#fff;border:none;border-radius:var(--radius);font-size:1rem;font-weight:600;cursor:pointer;transition:all .2s ease;box-shadow:0 2px 8px #4f46e54d}.loan-calculator .copy-results-btn:hover{transform:translateY(-2px);box-shadow:0 4px 12px #4f46e566}.loan-calculator .copy-results-btn:active{transform:translateY(0)}.loan-calculator .copy-results-btn svg{flex-shrink:0}@media (max-width: 768px){.loan-type-selector{flex-direction:column}.type-btn{text-align:center}.savings-grid{grid-template-columns:1fr}.breakdown-legend{flex-direction:column;gap:.5rem;align-items:flex-start}.tips-grid{grid-template-columns:1fr}.payment-amount .amount{font-size:2.25rem}}