.calc-page {
  background: var(--ma-grey-soft);
  min-height: calc(100vh - 60px);
  padding-block: clamp(2rem, 4vw, 3rem) 0;
}
.calc-page__intro { max-width: 720px; }

.calc-layout {
  display: grid;
  grid-template-columns: minmax(280px, 1fr) minmax(280px, 1fr);
  gap: clamp(1rem, 3vw, 2rem);
  align-items: start;
  margin-top: 2rem;
}
@media (max-width: 820px) {
  .calc-layout { grid-template-columns: 1fr; }
}

.calc-panel {
  background: var(--surface-card);
  border: 1px solid var(--border-soft);
  border-radius: 14px;
  padding: clamp(1.25rem, 3vw, 1.85rem);
}
.calc-panel__title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--ma-ink);
  margin-bottom: 1rem;
}

.calc-field { margin-bottom: 1.1rem; }
.calc-field:last-child { margin-bottom: 0; }
.calc-field--inline {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.75rem;
  align-items: end;
}
.calc-field__hint {
  font-size: 0.75rem;
  color: var(--text-body);
  margin-top: 0.35rem;
}
.calc-field__warning {
  font-size: 0.8rem;
  color: #b54200;
  background: #fff3e8;
  border-left: 3px solid #b54200;
  padding: 0.5rem 0.7rem;
  border-radius: 0 6px 6px 0;
  margin-top: 0.5rem;
  font-weight: 600;
  line-height: 1.4;
}

.calc-input-wrap { position: relative; }
.calc-input-wrap::before {
  content: attr(data-prefix);
  position: absolute;
  left: 0.85rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-body);
  font-size: 0.95rem;
  pointer-events: none;
}
.calc-input-wrap--prefix input { padding-left: 1.8rem; }
.calc-input-wrap::after {
  content: attr(data-suffix);
  position: absolute;
  right: 0.85rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-body);
  font-size: 0.95rem;
  pointer-events: none;
}

.radio-group {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: 0.5rem;
}
.radio-group input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.radio-group label {
  display: block;
  border: 1px solid var(--border-soft);
  border-radius: 6px;
  padding: 0.6rem 0.75rem;
  text-align: center;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-body);
  background: var(--surface-input);
  margin-bottom: 0;
  transition: border-color 0.12s, color 0.12s, background 0.12s;
}
.radio-group input[type="radio"]:checked + label {
  border-color: var(--ma-primary);
  color: var(--ma-primary);
  background: var(--ma-secondary-soft);
}
.radio-group input[type="radio"]:focus + label {
  box-shadow: 0 0 0 3px rgba(0, 140, 191, 0.18);
}

/* Result panel */
.result-panel {
  background: linear-gradient(160deg, var(--ma-primary) 0%, #006e96 100%);
  color: #fff;
  border-radius: 14px;
  padding: clamp(1.5rem, 4vw, 2.25rem);
  position: sticky;
  top: 80px;
}
.result-panel__label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.85;
}
.result-panel__primary {
  font-size: clamp(2.2rem, 5vw, 3rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-top: 0.2rem;
}
.result-panel__secondary {
  font-size: 1rem;
  opacity: 0.9;
  margin-top: 0.25rem;
}
.result-panel__divider {
  height: 1px;
  background: rgba(255,255,255,0.18);
  margin-block: 1.5rem;
}
.result-panel__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding-block: 0.4rem;
  font-size: 0.95rem;
}
.result-panel__row span:first-child { opacity: 0.85; }
.result-panel__row strong { font-weight: 700; }

.result-panel__lead {
  margin-top: 1.5rem;
  background: rgba(255,255,255,0.1);
  border-radius: 10px;
  padding: 1.1rem 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  align-items: flex-start;
  line-height: 1.4;
}
.result-panel__lead a {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: #fff;
  color: var(--ma-primary);
  font-weight: 700;
  padding: 0.7rem 1.2rem;
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.15s, transform 0.05s, box-shadow 0.15s;
  box-shadow: 0 1px 2px rgba(0,0,0,0.08);
}
.result-panel__lead a:hover {
  background: #f0f8fc;
  text-decoration: none;
  box-shadow: 0 2px 6px rgba(0,0,0,0.12);
}
.result-panel__lead a:active {
  transform: translateY(1px);
}

.result-disclaimer {
  margin-top: 1rem;
  font-size: 0.78rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.85);
  border-left: 2px solid rgba(255,255,255,0.4);
  padding-left: 0.85rem;
}

/* Collapsibles */
details.calc-collapse {
  border-top: 1px solid var(--ma-grey-line);
  padding-block: 0.9rem;
}
details.calc-collapse:first-of-type { border-top: none; padding-top: 0; }
details.calc-collapse > summary {
  font-weight: 700;
  cursor: pointer;
  color: var(--ma-ink);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
details.calc-collapse > summary::-webkit-details-marker { display: none; }
details.calc-collapse > summary::after {
  content: "+";
  font-size: 1.25rem;
  color: var(--ma-primary);
  font-weight: 700;
}
details.calc-collapse[open] > summary::after { content: "−"; }
details.calc-collapse > .calc-collapse__body { margin-top: 0.85rem; }

/* Amortization table */
.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  margin-top: 1rem;
}
.amort-table th, .amort-table td {
  text-align: right;
  padding: 0.55rem 0.75rem;
  border-bottom: 1px solid var(--ma-grey-line);
}
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-table thead th {
  background: var(--ma-grey-soft);
  color: var(--text-body);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.amort-table tbody tr:hover { background: var(--ma-grey-soft); }

/* Binding constraint badge (affordability calc) */
.binding-badge {
  display: inline-block;
  background: rgba(255,255,255,0.18);
  border-radius: 999px;
  padding: 0.2rem 0.7rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-top: 0.5rem;
}

.assumptions-list {
  font-size: 0.85rem;
  line-height: 1.65;
  color: var(--text-body);
}
.assumptions-list dt { font-weight: 700; color: var(--ma-ink); }
.assumptions-list dd { margin-bottom: 0.6rem; }
.assumptions-list dd small { color: var(--text-body); }

/* Rate sheet */
.rate-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 0.95rem;
  background: var(--ma-secondary-soft);
  border-left: 4px solid var(--ma-primary);
  border-radius: 0 10px 10px 0;
  padding: 1.15rem 1.4rem;
  margin-top: 1.5rem;
  color: var(--ma-ink);
}
.rate-disclaimer__icon {
  flex-shrink: 0;
  color: var(--ma-primary);
  margin-top: 0.1rem;
}
.rate-disclaimer__body {
  flex-grow: 1;
  font-size: 0.93rem;
  line-height: 1.55;
}
.rate-disclaimer__body p { margin: 0 0 0.4rem 0; }
.rate-disclaimer__body p:last-child { margin: 0; }
.rate-disclaimer__heading {
  font-weight: 700;
  color: var(--ma-primary);
  font-size: 1rem;
}

.rate-table-wrap {
  overflow-x: auto;
  margin-top: 1.75rem;
  background: var(--surface-card);
  border: 1px solid var(--border-soft);
  border-radius: 12px;
}
.rate-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
  min-width: 640px;
}
.rate-table th, .rate-table td {
  padding: 0.7rem 0.9rem;
  text-align: center;
  border-bottom: 1px solid var(--ma-grey-line);
  vertical-align: middle;
}
.rate-table thead th {
  background: var(--ma-grey-soft);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-body);
  font-weight: 700;
}
.rate-table thead th span {
  display: block;
  font-size: 0.7rem;
  font-weight: 500;
  margin-top: 0.15rem;
  opacity: 0.85;
}
.rate-table thead .rate-table__group {
  background: var(--ma-secondary-soft);
  color: var(--ma-primary);
}
.rate-table th[scope="row"] {
  text-align: left;
  font-weight: 700;
  color: var(--ma-ink);
  background: var(--surface-card);
}
.rate-table tbody td {
  font-weight: 600;
  color: var(--ma-ink);
}
.rate-table__na {
  color: var(--text-body);
  font-style: italic;
  font-weight: 500;
  font-size: 0.85rem;
  opacity: 0.75;
}
.rate-table tbody tr:hover { background: var(--ma-grey-soft); }
.rate-table tbody tr:hover th[scope="row"] { background: var(--ma-grey-soft); }

.rate-notes {
  margin-top: 1.25rem;
  font-size: 0.92rem;
  line-height: 1.6;
  color: var(--text-body);
}
.rate-notes p { margin-bottom: 0.85rem; }
.rate-notes em { font-style: italic; color: var(--ma-ink); font-weight: 600; }

.rate-callouts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 2.5rem;
}
@media (max-width: 720px) {
  .rate-callouts { grid-template-columns: 1fr; }
}
.rate-callout {
  background: var(--surface-card);
  border: 1px solid var(--border-soft);
  border-radius: 12px;
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
}
.rate-callout h2 {
  font-size: 1.2rem;
  margin-bottom: 0.6rem;
  color: var(--ma-ink);
}
.rate-callout p {
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
  color: var(--text-body);
  line-height: 1.55;
  flex-grow: 1;
}
.rate-callout .btn { align-self: flex-start; }

/* Rate cards */
.rate-legend {
  background: var(--ma-secondary-soft);
  border-radius: 10px;
  padding: 1rem 1.25rem;
  margin-top: 1.25rem;
  font-size: 0.93rem;
  line-height: 1.55;
  color: var(--ma-ink);
}
.rate-legend p { margin: 0; }
.rate-legend strong { color: var(--ma-primary); }

.rate-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.25rem;
  margin-top: 1.5rem;
}
.rate-card {
  background: var(--surface-card);
  border: 1px solid var(--border-soft);
  border-radius: 12px;
  padding: 1.5rem 1.5rem 1.25rem;
  display: flex;
  flex-direction: column;
}
.rate-card__title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ma-ink);
  margin-bottom: 1rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid var(--ma-grey-line);
}
.rate-card__primary-block { margin-bottom: 1.2rem; }
.rate-card__primary-label,
.rate-card__sub-label {
  display: block;
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-body);
  font-weight: 700;
  margin-bottom: 0.3rem;
}
.rate-card__primary {
  font-size: 1.85rem;
  font-weight: 700;
  color: var(--ma-primary);
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.rate-card__sub-block {
  border-top: 1px dashed var(--ma-grey-line);
  padding-top: 1rem;
}
.rate-card__sub-label { margin-bottom: 0.55rem; }
.rate-card__ltv {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}
.rate-card__ltv tr { border-bottom: 1px solid var(--ma-grey-line); }
.rate-card__ltv tr:last-child { border-bottom: none; }
.rate-card__ltv th {
  text-align: left;
  font-weight: 500;
  color: var(--text-body);
  padding: 0.42rem 0;
}
.rate-card__ltv td {
  text-align: right;
  font-weight: 700;
  color: var(--ma-ink);
  padding: 0.42rem 0;
}
.rate-card__na {
  font-style: italic;
  font-size: 0.88rem;
  color: var(--text-body);
  opacity: 0.85;
  margin: 0;
}

/* Simplified two-row card layout (High Ratio / Conventional) */
.rate-card__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 0;
  border-bottom: 1px solid var(--ma-grey-line);
  gap: 0.75rem;
}
.rate-card__row:last-child { border-bottom: none; }
.rate-card__row:first-of-type { padding-top: 0.5rem; }
.rate-card__row-label {
  display: flex;
  flex-direction: column;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-body);
  font-weight: 700;
}
.rate-card__row-label span {
  text-transform: none;
  letter-spacing: 0;
  font-weight: 500;
  font-size: 0.72rem;
  margin-top: 0.2rem;
  opacity: 0.75;
}
.rate-card__row-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--ma-primary);
  letter-spacing: -0.02em;
  white-space: nowrap;
}
.rate-card__row-value--na {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-body);
  font-style: italic;
  opacity: 0.75;
}

/* FAQ list */
.faq-list {
  background: var(--surface-card);
  border: 1px solid var(--border-soft);
  border-radius: 12px;
  padding: 0.5rem 1.5rem;
  margin-top: 2rem;
}
.faq-item {
  border-top: 1px solid var(--ma-grey-line);
  padding-block: 1rem;
}
.faq-item:first-child { border-top: none; }
.faq-item > summary {
  font-weight: 700;
  font-size: 1.05rem;
  cursor: pointer;
  color: var(--ma-ink);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.faq-item > summary::-webkit-details-marker { display: none; }
.faq-item > summary::after {
  content: "+";
  font-size: 1.4rem;
  color: var(--ma-primary);
  font-weight: 700;
  flex-shrink: 0;
  line-height: 1;
}
.faq-item[open] > summary::after { content: "−"; }
.faq-item__answer {
  padding-top: 0.85rem;
  font-size: 0.96rem;
  line-height: 1.65;
  color: var(--text-body);
}
.faq-item__answer p { margin-bottom: 0.9rem; }
.faq-item__answer p:last-child { margin-bottom: 0; }
.faq-item__answer strong { color: var(--ma-ink); }

.faq-cta {
  background: var(--ma-secondary-soft);
  border-radius: 12px;
  padding: 1.5rem;
  margin-top: 1.5rem;
  text-align: center;
}
.faq-cta h3 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
  color: var(--ma-ink);
}
.faq-cta p {
  margin-bottom: 1rem;
  color: var(--text-body);
  font-size: 0.95rem;
}