/*
 * HipoPlāns — Landing Page Styles
 * Minimal & Direct light design system
 */

@import url("https://fonts.googleapis.com/css2?family=Calistoga&family=Inter:wght@400;500;600;700&display=swap");

:root {
  --font-heading: "Calistoga", serif;
  --font-body: "Inter", sans-serif;

  --color-bg: #f8fafc;
  --color-surface: #ffffff;
  --color-surface-hover: #f1f5f9;
  --color-primary: #f59e0b;
  --color-primary-hover: #d97706;
  --color-primary-light: #fffbeb;
  --color-on-primary: #0f172a;
  --color-accent: #8b5cf6;
  --color-accent-light: #f5f3ff;
  --color-foreground: #1e293b;
  --color-muted: #64748b;
  --color-border: #e2e8f0;
  --color-destructive: #ef4444;
  --color-ring: #f59e0b;
  --color-success: #10b981;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 24px;

  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.08);

  --spacing-xs: 4px;
  --spacing-sm: 8px;
  --spacing-md: 16px;
  --spacing-lg: 24px;
  --spacing-xl: 32px;
  --spacing-2xl: 48px;
  --spacing-3xl: 64px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  background-color: var(--color-bg);
  color: var(--color-foreground);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  min-height: 100dvh;
}

.landing-page {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-lg);
}

/* ====== Hero ====== */
.hero {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--spacing-2xl) 0 var(--spacing-lg);
}

.hero-content {
  text-align: center;
  max-width: 680px;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.5rem, 8vw, 4rem);
  font-weight: 400;
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: var(--spacing-md);
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.1em;
}

.hero-title-word {
  color: var(--color-foreground);
}

.hero-title-word.accent {
  color: var(--color-primary);
}

.hero-subtitle {
  font-size: 1.0625rem;
  font-weight: 400;
  color: var(--color-muted);
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.5;
}

/* ====== Calculator / Dashboard ====== */
.calculator {
  padding: var(--spacing-lg) 0 var(--spacing-2xl);
  scroll-margin-top: var(--spacing-2xl);
}

.calculator-dashboard {
  max-width: 960px;
  width: 100%;
  min-width: 0;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.dashboard-inputs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  align-items: end;
  gap: var(--spacing-md);
  padding: var(--spacing-lg);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  min-width: 0;
}

@media (max-width: 960px) {
  .dashboard-inputs {
    grid-template-columns: repeat(2, 1fr);
  }
}

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

.dashboard-input {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
  min-width: 0;
}

.dashboard-input .form-input {
  min-width: 0;
  max-width: 100%;
}

.dashboard-input--mode {
  gap: var(--spacing-sm);
}

.dashboard-input-field {
  min-width: 0;
}

.input-mode-pills {
  display: flex;
  gap: 0.375rem;
}

.input-mode-pill {
  position: relative;
  flex: 1;
  min-width: 0;
}

.input-mode-pill input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.input-mode-pill span {
  display: block;
  padding: 0.4375rem 0.625rem;
  font-size: 0.8125rem;
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
  border: 1px solid var(--color-border);
  border-radius: 999px;
  background: var(--color-surface);
  color: var(--color-muted);
  cursor: pointer;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease, box-shadow 0.15s ease;
  user-select: none;
}

.input-mode-pill:hover span {
  border-color: var(--color-primary);
  color: var(--color-foreground);
}

.input-mode-pill input:checked + span {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: var(--color-on-primary);
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.08);
}

.input-mode-pill input:focus-visible + span {
  outline: 2px solid var(--color-primary);
  outline-offset: 2px;
}

.dashboard-optional {
  max-width: 960px;
  margin: 0 auto;
}

.current-state {
  padding-top: var(--spacing-sm);
}

.current-state-heading {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: var(--spacing-md);
}

.extra-scenarios {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-md);
}

.refinancing-scenarios {
  grid-template-columns: 1fr;
}

@media (max-width: 768px) {
  .extra-scenarios {
    grid-template-columns: 1fr;
  }
}

.payoff-by-intro,
.payoff-by-note,
.repayment-panel-intro {
  font-size: 0.8125rem;
  color: var(--color-muted);
  line-height: 1.45;
}

.early-repayment-header {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.repayment-mode-pills {
  max-width: 36rem;
}

.repayment-panel {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.repayment-panel[hidden] {
  display: none !important;
}

.payoff-by-note strong {
  color: var(--color-foreground);
}

.payoff-by-inputs {
  grid-template-columns: minmax(0, 1fr);
}

.payoff-by-date-row {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  flex-wrap: wrap;
}

.payoff-by-date-row .input-wrapper--date {
  width: auto;
  flex: 0 0 auto;
  min-width: min(100%, 280px);
}

.payoff-by-date-row .payoff-by-note {
  margin: 0;
  flex: 1 1 auto;
  min-width: min(100%, 16rem);
}

.early-repayment {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.refinancing-rates-meta {
  grid-column: 1 / -1;
  margin: 0;
  padding-top: var(--spacing-sm);
  border-top: 1px solid var(--color-border);
}

.refinancing-rate-source {
  font-size: 0.6875rem;
  font-weight: 400;
  color: var(--color-muted);
  line-height: 1.4;
}

.refinancing-rate-source-link {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 0.125rem;
}

.refinancing-rate-source-link:hover {
  color: var(--color-foreground);
}

.euribor-field-row {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  min-width: 0;
}

.refinancing-inputs .euribor-field-row .euribor-select-control {
  flex: 1;
  min-width: 0;
}

.refinancing-inputs .euribor-select-trigger {
  padding: 12px 16px;
  font-size: 1rem;
}

.refinancing-manual-rate {
  flex: 0 0 5.5rem;
  min-width: 0;
}

.refinancing-manual-rate[hidden] {
  display: none !important;
}

.refinancing-inputs .form-input[readonly] {
  background: var(--color-bg);
  cursor: default;
}

.euribor-select-control {
  position: relative;
  min-width: 0;
}

.euribor-select-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--spacing-sm);
  padding: 0.5rem 0.75rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 500;
  line-height: 1.3;
  color: var(--color-foreground);
  cursor: pointer;
  text-align: left;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.euribor-select-trigger-text {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  min-width: 0;
}

.euribor-select-trigger:hover {
  border-color: var(--color-primary);
}

.euribor-select-trigger:focus-visible {
  outline: 2px solid var(--color-ring);
  outline-offset: 2px;
}

.euribor-select-chevron {
  flex-shrink: 0;
  color: var(--color-muted);
  transition: transform 0.15s ease;
}

.euribor-select-trigger[aria-expanded="true"] .euribor-select-chevron {
  transform: rotate(180deg);
}

.euribor-select-menu {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  right: auto;
  min-width: 100%;
  width: max(100%, 16rem);
  z-index: 20;
  display: flex;
  flex-direction: column;
  gap: 0.125rem;
  padding: 0.375rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
}

.euribor-select-menu[hidden] {
  display: none !important;
}

.euribor-select-option {
  width: 100%;
  padding: 0.625rem 0.75rem;
  border: none;
  border-radius: var(--radius-sm);
  background: transparent;
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 500;
  line-height: 1.3;
  text-align: left;
  color: var(--color-foreground);
  cursor: pointer;
  transition: background 0.15s ease;
}

.euribor-select-option:hover,
.euribor-select-option[aria-selected="true"] {
  background: var(--color-surface-hover);
}

.euribor-select-option--manual {
  color: var(--color-muted);
}

.euribor-select-option--manual:hover,
.euribor-select-option--manual[aria-selected="true"] {
  color: var(--color-foreground);
}

.early-repayment-inputs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  align-items: end;
  gap: var(--spacing-md);
  padding: var(--spacing-lg);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  min-width: 0;
}

@media (max-width: 768px) {
  .early-repayment-inputs {
    grid-template-columns: 1fr;
  }
}

.status-row--three {
  grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 768px) {
  .status-row--three {
    grid-template-columns: 1fr;
  }
}

.status-card-value--success {
  color: var(--color-success);
}

.status-card--impact .status-card-value {
  font-size: 1.25rem;
}

.results-section {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.results-section[hidden] {
  display: none !important;
}

.results-section > .results-heading {
  margin-bottom: 0;
}

.repayment-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-md);
}

.repayment-label {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-foreground);
}

.repayment-amount {
  width: 140px;
  flex-shrink: 0;
}

.repayment-amount .form-input {
  padding-right: 2rem;
  text-align: right;
}

.repayment-slider {
  width: 100%;
  height: 6px;
  appearance: none;
  background: #fde68a;
  border-radius: 9999px;
  outline: none;
  cursor: pointer;
}

.repayment-slider::-webkit-slider-thumb {
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-surface);
  border: 2px solid var(--color-primary);
  box-shadow: var(--shadow-sm);
  cursor: pointer;
}

.repayment-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-surface);
  border: 2px solid var(--color-primary);
  cursor: pointer;
}

.status-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-md);
}

.status-row--four {
  grid-template-columns: repeat(4, 1fr);
}

@media (max-width: 768px) {
  .status-row--four {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .status-row {
    grid-template-columns: 1fr;
  }
}

.status-card {
  padding: var(--spacing-lg);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  text-align: center;
}

.status-card-label {
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin-bottom: var(--spacing-sm);
}

.status-card-value {
  font-size: 1.375rem;
  font-weight: 600;
  color: var(--color-foreground);
  letter-spacing: -0.02em;
}

.scenario-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-md);
}

@media (max-width: 640px) {
  .scenario-row {
    grid-template-columns: 1fr;
  }
}

.scenario-card {
  padding: var(--spacing-lg);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
}

.scenario-card-header {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-lg);
  padding-bottom: var(--spacing-md);
  border-bottom: 1px solid var(--color-border);
}

.scenario-icon {
  flex-shrink: 0;
  color: var(--color-muted);
  margin-top: 2px;
}

.scenario-card-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-foreground);
}

.scenario-card-sub {
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin-top: 2px;
}

.scenario-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-md);
}

.scenario-stats--refinancing {
  grid-template-columns: repeat(4, 1fr);
}

@media (max-width: 900px) {
  .scenario-stats--refinancing {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .scenario-stats--refinancing {
    grid-template-columns: 1fr;
  }
}

.scenario-stat dt {
  font-size: 0.75rem;
  color: var(--color-muted);
  margin-bottom: 2px;
}

.scenario-stat dd {
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-foreground);
}

.scenario-stat--highlight dd {
  color: #2563eb;
}

.scenario-stat--saved dd {
  color: var(--color-success);
}

.scenario-stat--saved dd.is-negative {
  color: var(--color-destructive);
}

.scenario-stats--single {
  margin-top: var(--spacing-md);
}

.scenario-payment-chart {
  position: relative;
  margin-bottom: var(--spacing-sm);
}

.chart-surface {
  position: relative;
  width: 100%;
  min-height: 260px;
}

.chart-surface--compact {
  min-height: 180px;
}

.scenario-payment-chart canvas {
  width: 100% !important;
  height: 180px !important;
  cursor: crosshair;
  touch-action: none;
}

.chart-panel {
  position: relative;
  padding: var(--spacing-lg);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  min-height: 320px;
}

.chart-panel canvas {
  width: 100% !important;
  height: 260px !important;
  cursor: crosshair;
  touch-action: none;
}

@keyframes skeleton-shimmer {
  0% {
    background-position: 200% 0;
  }

  100% {
    background-position: -200% 0;
  }
}

.status-card-value.is-loading,
.scenario-stat dd.is-loading {
  position: relative;
  color: transparent;
  user-select: none;
}

.status-card-value.is-loading::after,
.scenario-stat dd.is-loading::after {
  content: "";
  position: absolute;
  inset: 0;
  margin: auto;
  width: 72%;
  max-width: 7rem;
  height: 1.125rem;
  border-radius: var(--radius-sm);
}

.status-card-value.is-loading::after {
  height: 1.25rem;
}

.scenario-stat dd.is-loading::after {
  width: 60%;
  max-width: 5.5rem;
}

.status-card-value.is-loading::after,
.scenario-stat dd.is-loading::after,
.chart-skeleton {
  background: linear-gradient(
    90deg,
    var(--color-surface-hover) 0%,
    #e8edf3 45%,
    var(--color-surface-hover) 90%
  );
  background-size: 200% 100%;
  animation: skeleton-shimmer 1.4s ease-in-out infinite;
}

.chart-skeleton {
  display: none;
  width: 100%;
  height: 260px;
  border-radius: var(--radius-md);
}

.chart-skeleton--compact {
  height: 180px;
}

.chart-panel.is-loading .chart-skeleton,
.scenario-payment-chart.is-loading .chart-skeleton {
  display: block;
}

.chart-panel.is-loading canvas,
.scenario-payment-chart.is-loading canvas {
  opacity: 0;
  pointer-events: none;
}

.extra-scenarios.is-loading .scenario-payment-chart {
  display: block;
}

/* Legacy calculator card — unused */
.calculator-card {
  display: none;
}

.calculator-heading {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-foreground);
  margin-bottom: var(--spacing-xs);
}

.form-instruction {
  font-size: 0.875rem;
  color: var(--color-muted);
  margin-bottom: var(--spacing-lg);
  line-height: 1.5;
}

.calculator-form {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.form-section {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.form-section + .form-section {
  padding-top: var(--spacing-lg);
  border-top: 1px solid var(--color-border);
}

.form-section-label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-muted);
}

.form-row {
  display: flex;
  gap: var(--spacing-md);
  width: 100%;
}

.form-row .form-field {
  flex: 1;
  min-width: 0;
}

@media (max-width: 640px) {
  .form-row {
    flex-direction: column;
  }
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.form-field--hidden {
  display: none;
}

.form-label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-foreground);
}

.input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  min-width: 0;
}

.input-wrapper .form-input {
  flex: 1 1 0;
  -webkit-flex: 1 1 0;
  min-width: 0;
}

.input-wrapper--date {
  width: 100%;
  overflow: hidden;
}

.form-input {
  width: 100%;
  padding: 12px 16px;
  padding-right: 2.75rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  color: var(--color-foreground);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  outline: none;
}

.form-input:focus-visible {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(245, 158, 11, 0.15);
}

.form-input::placeholder {
  color: var(--color-muted);
  opacity: 0.5;
}

.form-input[type="number"]::-webkit-inner-spin-button,
.form-input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none;
  appearance: none;
  margin: 0;
}

.form-input[type="number"] {
  -moz-appearance: textfield;
}

.form-input--calculated {
  background: var(--color-accent-light);
  border-color: rgba(139, 92, 246, 0.35);
  color: rgba(139, 92, 246, 0.85);
  font-weight: 500;
  cursor: default;
}

.form-input--calculated:focus-visible {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(139, 92, 246, 0.12);
}

.form-input[type="month"],
.form-input[type="date"] {
  width: 100%;
  padding-right: 1rem;
  min-width: 0;
  max-width: 100%;
  display: -webkit-inline-flex;
  display: inline-flex;
  -webkit-align-items: center;
  align-items: center;
  overflow: hidden;
}

.form-input[type="date"]::-webkit-datetime-edit,
.form-input[type="date"]::-webkit-datetime-edit-fields-wrapper,
.form-input[type="date"]::-webkit-datetime-edit-text,
.form-input[type="date"]::-webkit-datetime-edit-month-field,
.form-input[type="date"]::-webkit-datetime-edit-day-field,
.form-input[type="date"]::-webkit-datetime-edit-year-field {
  padding: 0;
}

.form-input[type="date"]::-webkit-datetime-edit {
  -webkit-flex: 1;
  flex: 1;
  min-width: 0;
  overflow: hidden;
}

.form-input[type="date"]::-webkit-date-and-time-value {
  min-width: 0;
  text-align: left;
}

.form-input[type="date"]::-webkit-calendar-picker-indicator {
  flex-shrink: 0;
  margin-left: 0.25rem;
}

.input-suffix {
  position: absolute;
  right: 0.875rem;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-muted);
  pointer-events: none;
}

.form-hint {
  font-size: 0.75rem;
  color: var(--color-muted);
  line-height: 1.4;
}

/* Optional fields */
.form-optional {
  border: 1px dashed var(--color-border);
  border-radius: var(--radius-md);
  padding: 0;
  overflow: hidden;
}

.form-optional-toggle {
  padding: var(--spacing-md);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-muted);
  cursor: pointer;
  list-style: none;
  user-select: none;
}

.form-optional-toggle::-webkit-details-marker {
  display: none;
}

.form-optional-toggle::before {
  content: "+";
  display: inline-block;
  width: 1.25rem;
  font-weight: 600;
  color: var(--color-primary);
}

.form-optional[open] .form-optional-toggle::before {
  content: "−";
}

.form-optional-content {
  padding: 0 var(--spacing-md) var(--spacing-md);
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
  border-top: 1px solid var(--color-border);
}

/* Validation banner */
.validation-banner {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-sm);
  padding: var(--spacing-md);
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
  line-height: 1.45;
}

.validation-banner[hidden] {
  display: none !important;
}

.validation-banner--compact {
  margin-bottom: var(--spacing-md);
}

.validation-banner-icon {
  flex-shrink: 0;
  margin-top: 1px;
}

.validation-banner--success {
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.validation-banner--success .validation-banner-icon {
  stroke: var(--color-success);
}

.validation-banner--warning {
  background: #fffbeb;
  color: #92400e;
  border: 1px solid #fde68a;
}

.validation-banner--warning .validation-banner-icon {
  stroke: var(--color-primary);
}

.validation-banner--info {
  background: var(--color-primary-light);
  color: #78350f;
  border: 1px solid #fde68a;
}

.validation-banner--info .validation-banner-icon {
  stroke: var(--color-primary);
}

.calculated-indicator,
.form-input--calculated {
  display: none;
}

/* ====== Buttons ====== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-sm);
  padding: 0.75rem 1.5rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9375rem;
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: background 0.15s ease, opacity 0.15s ease;
  text-decoration: none;
}

.btn:focus-visible {
  outline: 2px solid var(--color-ring);
  outline-offset: 2px;
}

.btn-primary {
  background: var(--color-primary);
  color: var(--color-on-primary);
}

.btn-primary:hover:not(:disabled) {
  background: var(--color-primary-hover);
}

.btn-primary:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.btn-lg {
  width: 100%;
  min-height: 48px;
  font-size: 1rem;
  margin-top: var(--spacing-sm);
}

/* ====== Results ====== */
.results {
  padding: 0 0 var(--spacing-2xl);
  display: none;
  opacity: 0;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.results.visible {
  display: block;
  opacity: 1;
  transform: translateY(0);
}

.results-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--spacing-lg);
  max-width: 680px;
  margin: 0 auto;
  box-shadow: var(--shadow-sm);
}

.results-heading {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-foreground);
  margin-bottom: var(--spacing-sm);
}

.results-subheading {
  font-size: 0.875rem;
  color: var(--color-muted);
  margin-bottom: var(--spacing-lg);
}

.results--standalone {
  padding: var(--spacing-md) 0 var(--spacing-2xl);
  max-width: 680px;
  margin: 0 auto;
}

.page-back {
  padding: var(--spacing-lg) 0 0;
}

.page-back-link {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
  color: var(--color-muted);
  text-decoration: none;
  font-size: 0.875rem;
}

.page-back-link:hover {
  color: var(--color-foreground);
}

.results-card--placeholder {
  text-align: center;
}

.results-card--placeholder .form-instruction {
  margin-bottom: 0;
}

/* Bank-style loan card */
.loan-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--spacing-lg);
  box-shadow: var(--shadow-sm);
}

.loan-card-header {
  margin-bottom: var(--spacing-lg);
}

.loan-card-type {
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-foreground);
}

.loan-card-balance {
  margin-bottom: var(--spacing-lg);
}

.loan-card-balance-value {
  font-size: clamp(1.75rem, 5vw, 2.25rem);
  font-weight: 600;
  letter-spacing: -0.02em;
  color: var(--color-foreground);
  line-height: 1.1;
}

.loan-card-balance-label {
  margin-top: var(--spacing-xs);
  font-size: 0.875rem;
  color: var(--color-muted);
}

.loan-card-progress {
  margin-bottom: var(--spacing-lg);
}

.progress-bar {
  width: 100%;
  height: 8px;
  background: #fde8d8;
  border-radius: 9999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: var(--color-primary);
  border-radius: 9999px;
  transition: width 0.4s ease;
}

.loan-card-progress-text {
  margin-top: var(--spacing-sm);
  font-size: 0.8125rem;
  color: var(--color-muted);
}

.loan-card-progress-text strong {
  color: var(--color-foreground);
  font-weight: 600;
}

.loan-card-payment-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-md);
  padding: var(--spacing-md) 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.loan-card-payment-col--right {
  text-align: right;
}

.loan-card-meta-label {
  font-size: 0.8125rem;
  color: var(--color-muted);
  margin-top: var(--spacing-xs);
}

.loan-card-meta-value {
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-foreground);
}

.loan-card-meta-value--amount {
  font-size: 1.125rem;
}

.loan-card-footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: var(--spacing-sm);
  padding-top: var(--spacing-md);
  font-size: 0.8125rem;
  color: var(--color-muted);
}

.loan-card-footer strong {
  color: var(--color-foreground);
  font-weight: 600;
}

.loan-card-footer-meta {
  color: var(--color-muted);
}

.stat-hero,
.stat-grid,
.progress-section {
  display: none;
}

/* ====== How It Works ====== */
.how-it-works {
  padding: var(--spacing-2xl) 0 var(--spacing-3xl);
}

.section-heading {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  text-align: center;
  color: var(--color-foreground);
  margin-bottom: var(--spacing-xl);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-lg);
  max-width: 680px;
  margin: 0 auto;
}

.steps-grid--three {
  grid-template-columns: repeat(3, 1fr);
  max-width: 960px;
}

@media (max-width: 768px) {
  .steps-grid--three {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .steps-grid {
    grid-template-columns: 1fr;
  }
}

.step-card {
  text-align: center;
  padding: var(--spacing-lg);
}

.step-number {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--spacing-md);
  background: var(--color-primary-light);
  color: var(--color-primary);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  border-radius: 9999px;
}

.step-title {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-foreground);
  margin-bottom: var(--spacing-xs);
}

.step-description {
  font-size: 0.875rem;
  color: var(--color-muted);
  line-height: 1.5;
}

/* ====== Footer ====== */
.footer {
  padding: var(--spacing-xl) 0;
  text-align: center;
  border-top: 1px solid var(--color-border);
}

.footer-disclaimers {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.footer-text {
  font-size: 0.75rem;
  color: var(--color-muted);
  max-width: 960px;
  margin: 0 auto;
  line-height: 1.5;
}

.footer-copyright {
  margin-top: var(--spacing-md);
}

/* ====== Responsive ====== */
@media (max-width: 640px) {
  .landing-page {
    padding: 0 var(--spacing-md);
  }

  .calculator-card,
  .results-card {
    padding: var(--spacing-md);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .results {
    transform: none;
  }
}