/* ══════════════════════════════════════════════
           GLOBAL FONT POLISH
        ══════════════════════════════════════════════ */
        .hero h1, .features h2, .how-it-works h2 {
            font-family: 'Playfair Display', serif;
        }
        body { font-family: 'DM Sans', 'Segoe UI', sans-serif; }

        /* ══════════════════════════════════════════════
           CALCULATOR SECTION
        ══════════════════════════════════════════════ */
        .calc-section {
            background: #eef2f7;
            padding: 90px 0 100px;
            position: relative;
            overflow: hidden;
        }
        .calc-section::before {
            content: '';
            position: absolute;
            top: -100px; left: -100px;
            width: 400px; height: 400px;
            background: radial-gradient(circle, rgba(6,35,70,0.06) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
        }
        .calc-section::after {
            content: '';
            position: absolute;
            bottom: -80px; right: -80px;
            width: 320px; height: 320px;
            background: radial-gradient(circle, rgba(246,51,8,0.06) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
        }
        .calc-section .container { position: relative; z-index: 1; }

        .section-eyebrow {
            text-align: center;
            font-size: 11px;
            font-weight: 600;
            letter-spacing: 3px;
            text-transform: uppercase;
            color: #f63308;
            margin-bottom: 10px;
        }
        .calc-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 2.6em;
            font-weight: 900;
            color: #062346;
            text-align: center;
            margin-bottom: 10px;
        }
        .section-subtitle {
            text-align: center;
            color: #5a6a7e;
            font-size: 1.05em;
            margin-bottom: 52px;
        }

        /* ─── Card ─── */
        .calc-card {
            background: #fff;
            border-radius: 22px;
            box-shadow: 0 24px 64px rgba(6,35,70,0.11), 0 4px 16px rgba(6,35,70,0.05);
            display: grid;
            grid-template-columns: 1.05fr 1fr;
            overflow: hidden;
            max-width: 960px;
            margin: 0 auto;
        }

        /* ─── Left panel ─── */
        .calc-inputs {
            padding: 50px 46px;
        }
        .calc-inputs h3 {
            font-family: 'Playfair Display', serif;
            font-size: 1.4em;
            color: #062346;
            margin-bottom: 32px;
            padding-bottom: 18px;
            border-bottom: 2px solid #f0f4f8;
        }

        .calc-field { margin-bottom: 30px; }

        .calc-field label {
            display: flex;
            justify-content: space-between;
            align-items: center;
            font-size: 13px;
            font-weight: 600;
            color: #344054;
            margin-bottom: 10px;
        }
        .field-value {
            font-size: 14px;
            font-weight: 700;
            color: #062346;
            background: #eef2f7;
            padding: 3px 11px;
            border-radius: 20px;
        }

        /* Slider */
        input[type="range"] {
            -webkit-appearance: none;
            width: 100%;
            height: 6px;
            border-radius: 3px;
            background: linear-gradient(to right, #062346 var(--pct,0%), #dde3ec var(--pct,0%));
            outline: none;
            cursor: pointer;
        }
        input[type="range"]::-webkit-slider-thumb {
            -webkit-appearance: none;
            width: 22px; height: 22px;
            border-radius: 50%;
            background: #062346;
            border: 3px solid #fff;
            box-shadow: 0 2px 8px rgba(6,35,70,0.22);
            cursor: pointer;
            transition: transform 0.15s;
        }
        input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
        input[type="range"]::-moz-range-thumb {
            width: 22px; height: 22px;
            border-radius: 50%;
            background: #062346;
            border: 3px solid #fff;
            box-shadow: 0 2px 8px rgba(6,35,70,0.22);
            cursor: pointer;
        }
        .range-labels {
            display: flex;
            justify-content: space-between;
            font-size: 11px;
            color: #94a3b8;
            margin-top: 5px;
        }

        /* Term tabs */
        .term-tabs { display: flex; gap: 6px; flex-wrap: wrap; }
        .term-tab {
            padding: 7px 15px;
            border: 1.5px solid #dde3ec;
            border-radius: 7px;
            font-size: 13px;
            font-weight: 500;
            color: #64748b;
            cursor: pointer;
            background: none;
            transition: all 0.2s;
        }
        .term-tab:hover  { border-color: #062346; color: #062346; }
        .term-tab.active { background: #062346; border-color: #062346; color: #fff; font-weight: 600; }

        /* Eligibility checks */
        .eligibility-checks {
            margin-top: 28px;
            padding-top: 22px;
            border-top: 2px solid #f0f4f8;
        }
        .eligibility-checks h4 {
            font-size: 11px;
            font-weight: 700;
            letter-spacing: 2px;
            text-transform: uppercase;
            color: #94a3b8;
            margin-bottom: 14px;
        }
        .check-row {
            display: flex;
            align-items: center;
            gap: 10px;
            margin-bottom: 10px;
            font-size: 13px;
            color: #334155;
            line-height: 1.4;
        }
        .check-icon {
            width: 26px; height: 26px; min-width: 26px;
            border-radius: 50%;
            display: flex; align-items: center; justify-content: center;
            font-size: 18px;
            font-weight: 400;
            transition: all 0.3s;
        }
        .check-icon.material-symbols-outlined { font-size: 18px; }
        .check-icon.pass    { background: #dcfce7; color: #16a34a; }
        .check-icon.fail    { background: #fee2e2; color: #dc2626; }
        .check-icon.neutral { background: #f1f5f9; color: #94a3b8; }

        /* ─── Right panel ─── */
        .calc-results {
            background: linear-gradient(155deg, #062346 0%, #0a0541 100%);
            padding: 50px 42px;
            color: #fff;
            display: flex;
            flex-direction: column;
            position: relative;
            overflow: hidden;
        }
        .calc-results::before {
            content: '';
            position: absolute;
            top: -50px; right: -50px;
            width: 220px; height: 220px;
            background: radial-gradient(circle, rgba(246,51,8,0.18) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
        }
        .calc-results::after {
            content: '';
            position: absolute;
            bottom: 0; left: -30px;
            width: 140px; height: 140px;
            background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
            border-radius: 50%;
            pointer-events: none;
        }
        .calc-results h3 {
            font-family: 'Playfair Display', serif;
            font-size: 1.4em;
            color: rgba(255,255,255,0.92);
            margin-bottom: 28px;
            padding-bottom: 18px;
            border-bottom: 1px solid rgba(255,255,255,0.12);
            position: relative; z-index: 1;
        }

        /* Verdict pill */
        .verdict-pill {
            display: inline-flex;
            align-items: center;
            gap: 7px;
            padding: 7px 16px;
            border-radius: 30px;
            font-size: 13px;
            font-weight: 700;
            margin-bottom: 26px;
            transition: all 0.4s;
            position: relative; z-index: 1;
            letter-spacing: 0.3px;
        }
        .verdict-pill.eligible   { background: rgba(22,163,74,0.18); color: #4ade80; border: 1px solid rgba(22,163,74,0.32); }
        .verdict-pill.ineligible { background: rgba(220,38,38,0.18); color: #f87171; border: 1px solid rgba(220,38,38,0.32); }
        .verdict-pill.pending    { background: rgba(255,255,255,0.06); color: rgba(255,255,255,0.45); border: 1px solid rgba(255,255,255,0.10); }

        /* Big amount */
        .monthly-payment-display {
            text-align: center;
            margin-bottom: 30px;
            position: relative; z-index: 1;
        }
        .monthly-payment-display .mp-label {
            font-size: 10px;
            font-weight: 600;
            letter-spacing: 2.5px;
            text-transform: uppercase;
            color: rgba(255,255,255,0.4);
            margin-bottom: 8px;
        }
        .monthly-amount {
            font-family: 'Playfair Display', serif;
            font-size: 3.2em;
            font-weight: 900;
            color: #fff;
            line-height: 1;
            transition: transform 0.3s cubic-bezier(0.34,1.56,0.64,1), color 0.3s;
        }
        .monthly-amount.pulse { transform: scale(1.07); color: #fbbf24; }

        /* Breakdown */
        .breakdown { position: relative; z-index: 1; flex: 1; }
        .breakdown-row {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 10px 0;
            border-bottom: 1px solid rgba(255,255,255,0.07);
            font-size: 13px;
        }
        .breakdown-row:last-child { border-bottom: none; }
        .bd-label { color: rgba(255,255,255,0.55); }
        .bd-value { font-weight: 600; color: #fff; }
        .bd-value.hi  { color: #fbbf24; }
        .bd-value.ok  { color: #4ade80; }
        .bd-value.err { color: #f87171; }

        /* Affordability bar */
        .aff-bar-wrap { margin: 22px 0; position: relative; z-index: 1; }
        .aff-bar-header {
            display: flex;
            justify-content: space-between;
            font-size: 11px;
            color: rgba(255,255,255,0.45);
            margin-bottom: 7px;
        }
        .aff-bar-track {
            height: 7px;
            border-radius: 4px;
            background: rgba(255,255,255,0.1);
            overflow: hidden;
        }
        .aff-bar-fill {
            height: 100%;
            border-radius: 4px;
            transition: width 0.5s cubic-bezier(0.4,0,0.2,1), background 0.5s;
        }

        /* CTA */
        .calc-cta { margin-top: 26px; position: relative; z-index: 1; }
        .btn-apply {
            display: block;
            width: 100%;
            padding: 15px;
            background: #f63308;
            color: #fff;
            border: none;
            border-radius: 10px;
            font-size: 15px;
            font-weight: 700;
            cursor: pointer;
            text-align: center;
            text-decoration: none;
            transition: all 0.25s;
            letter-spacing: 0.3px;
        }
        .btn-apply:hover:not(.disabled) {
            background: #d42a04;
            transform: translateY(-2px);
            box-shadow: 0 8px 24px rgba(246,51,8,0.4);
        }
        .btn-apply.disabled {
            background: rgba(255,255,255,0.1);
            color: rgba(255,255,255,0.3);
            cursor: not-allowed;
        }
        .calc-disclaimer {
            margin-top: 12px;
            font-size: 10px;
            color: rgba(255,255,255,0.25);
            text-align: center;
            line-height: 1.6;
        }

        /* ══════════════════════════════════════════════
           RESPONSIVE
        ══════════════════════════════════════════════ */
        @media (max-width: 820px) {
            .calc-card { grid-template-columns: 1fr; }
            .calc-section h2 { font-size: 1.9em; }
            .monthly-amount  { font-size: 2.4em; }
            .calc-inputs, .calc-results { padding: 34px 26px; }
        }