.calculator-body { min-width: 0; background: #e9e3d8; color: var(--ink); }
.calculator-body [hidden] { display: none !important; }
.calculator-body .calculator-header { background: rgba(7,16,29,.97); border-color: var(--line-dark); }
.calculator-body main { min-width: 0; }

.calculator-intro { padding: 150px 0 70px; color: white; background: #07101d; }
.calculator-intro-grid { display: grid; grid-template-columns: minmax(0,1.45fr) minmax(260px,.55fr); align-items: end; gap: 80px; }
.calculator-intro h1 { max-width: 850px; margin: 0; font-size: clamp(3.1rem, 6vw, 6.1rem); font-weight: 500; line-height: .97; letter-spacing: -.055em; }
.calculator-intro p:not(.eyebrow) { max-width: 760px; margin: 24px 0 0; color: #bec8d4; font-size: 18px; }
.calculator-privacy { padding: 24px 0 4px 24px; border-left: 2px solid var(--gold); }
.calculator-privacy strong, .calculator-privacy span { display: block; }
.calculator-privacy strong { color: white; font-size: 15px; }
.calculator-privacy span { margin-top: 8px; color: #aab5c3; font-size: 14px; }

.calculator-switcher { display: flex; gap: 8px; padding-block: 28px; }
.calculator-switcher a { padding: 11px 16px; border: 1px solid #b9b1a5; color: #39434d; font-size: 14px; font-weight: 700; }
.calculator-switcher a.is-active { border-color: var(--ink); background: var(--ink); color: white; }
.calculator-mobile-result, .mobile-result-bar { display: none; }

.calculator-workbench { display: grid; grid-template-columns: minmax(0,1.08fr) minmax(360px,.92fr); align-items: start; gap: 24px; padding-bottom: 100px; }
.calculator-panel { min-width: 0; border: 1px solid #c9c1b5; background: #f8f5ef; box-shadow: 0 18px 50px rgba(29,31,34,.07); }
.calculator-inputs { padding: 34px; }
.calculator-results { position: sticky; top: 96px; padding: 34px; scroll-margin-top: 110px; color: white; border-color: #24354a; background: #0d1a2b; box-shadow: 0 25px 70px rgba(4,9,15,.2); }
.panel-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; margin-bottom: 30px; }
.panel-heading h2 { margin: 2px 0 0; font-size: 26px; line-height: 1.15; letter-spacing: -.035em; }
.calculator-results .panel-heading h2 { color: var(--gold-light); font-family: var(--serif); font-size: clamp(3rem,5vw,4.8rem); font-weight: 400; line-height: .9; }
.panel-kicker { margin: 0; color: #80601b; font-size: 12px; font-weight: 750; text-transform: uppercase; letter-spacing: .14em; }
.calculator-results .panel-kicker { color: #b9c3d0; }
.calculator-reset { flex: 0 0 auto; min-height: 44px; padding: 8px 12px; color: #3f4852; border: 1px solid #bdb5a9; background: transparent; font-size: 13px; font-weight: 700; cursor: pointer; }
.calculator-reset:hover { border-color: var(--ink); color: var(--ink); }

.segmented-fieldset, .calculator-subfieldset { min-width: 0; margin: 0 0 30px; padding: 0; border: 0; }
.segmented-fieldset legend, .calculator-subfieldset legend { padding: 0; color: #303945; font-size: 14px; font-weight: 750; }
.segmented-options { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 8px; margin-top: 10px; }
.segmented-options.four-up { grid-template-columns: repeat(4,minmax(0,1fr)); }
.segmented-options.three-up { grid-template-columns: repeat(3,minmax(0,1fr)); }
.segmented-options label { position: relative; min-width: 0; cursor: pointer; }
.segmented-options input { position: absolute; opacity: 0; pointer-events: none; }
.segmented-options span { display: grid; min-height: 48px; place-items: center; padding: 8px; color: #48515b; border: 1px solid #c9c1b5; background: #fffdfa; font-size: 13px; font-weight: 700; text-align: center; }
.segmented-options input:checked + span { border-color: var(--ink); background: var(--ink); color: white; }
.segmented-options input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }

.calculator-field-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; margin-top: 18px; }
.calculator-field { display: block; min-width: 0; }
.calculator-field > span:first-child { display: block; margin-bottom: 7px; color: #303945; font-size: 14px; font-weight: 750; }
.input-shell { display: flex; min-width: 0; height: 50px; align-items: center; border: 1px solid #c6beb2; background: white; }
.input-shell:focus-within { border-color: #8c6b22; box-shadow: 0 0 0 3px rgba(212,173,85,.18); }
.input-shell input, .input-shell select { min-width: 0; width: 100%; height: 100%; padding: 0 12px; color: #121a25; border: 0; outline: 0; background: transparent; font-size: 16px; }
.input-shell i { flex: 0 0 auto; padding-left: 13px; color: #65707c; font-size: 14px; font-style: normal; }
.input-shell.suffix i { padding: 0 13px 0 4px; }
.calculator-field small { display: block; min-height: 36px; margin-top: 6px; color: #626c76; font-size: 13px; line-height: 1.48; }
.calculator-field small.is-error { color: #a12222; font-weight: 700; }
.calculator-program-options { display: grid; gap: 12px; margin-top: 25px; padding-top: 25px; border-top: 1px solid #d3ccc1; }
.calculator-check { display: flex; align-items: flex-start; gap: 12px; padding: 15px; border: 1px solid #c9c1b5; background: white; }
.calculator-check input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--ink); }
.calculator-check strong, .calculator-check small { display: block; }
.calculator-check strong { color: #202a35; font-size: 13px; }
.calculator-check small { margin-top: 3px; color: #626d78; font-size: 12px; }
.calculator-subfieldset { margin-top: 30px; padding-top: 26px; border-top: 1px solid #d3ccc1; }
.calculator-subfieldset > p { margin: 7px 0 0; color: #626d78; font-size: 13px; }

.result-status { flex: 0 0 auto; padding: 7px 9px; color: #c7d0da; border: 1px solid #34465b; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; }
.result-status.is-error { color: #ffc4c4; border-color: rgba(221,83,83,.6); }
.result-context { margin: -10px 0 24px; color: #aab5c3; font-size: 14px; }
.payment-breakdown { margin: 0; border-top: 1px solid var(--line-dark); }
.payment-breakdown div { display: flex; justify-content: space-between; gap: 20px; padding: 13px 0; border-bottom: 1px solid var(--line-dark); }
.payment-breakdown dt { color: #c0c9d4; font-size: 14px; }
.payment-breakdown dd { margin: 0; color: white; font-size: 15px; font-weight: 700; }
.loan-summary { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 1px; margin-top: 26px; background: #29394d; }
.loan-summary div { min-width: 0; padding: 15px; background: #111f32; }
.loan-summary span, .loan-summary strong { display: block; }
.loan-summary span { color: #aab6c4; font-size: 11px; text-transform: uppercase; letter-spacing: .08em; }
.loan-summary strong { margin-top: 5px; overflow-wrap: anywhere; color: white; font-size: 16px; }
.buydown-summary { grid-template-columns: repeat(3,minmax(0,1fr)); }
.calculator-errors, .calculator-warnings { margin-top: 18px; padding: 13px 15px; font-size: 13px; }
.calculator-errors { color: #ffd3d3; border-left: 3px solid #d95858; background: rgba(155,43,43,.2); }
.calculator-warnings { color: #e7d39e; border-left: 3px solid var(--gold); background: rgba(138,104,30,.15); }
.calculator-errors ul, .calculator-warnings ul { margin: 0; padding-left: 18px; }
.result-actions { display: grid; gap: 10px; margin-top: 28px; }
.result-actions .button { width: 100%; }
.result-actions .button[aria-disabled="true"] { opacity: .5; pointer-events: none; }
.calculator-disclosure { margin: 20px 0 0; color: #b7c1cd; font-size: 13px; line-height: 1.65; }
.calculator-sources { margin-top: 14px; color: #bec7d1; font-size: 13px; }
.calculator-sources summary { cursor: pointer; color: #d3dae2; font-weight: 700; }
.calculator-sources p { margin: 10px 0 0; line-height: 1.6; }
.calculator-sources a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 2px; }

.buydown-scroll-hint { display: none; margin: 24px 0 8px; color: #c9d1db; font-size: 13px; font-weight: 700; }
.buydown-table-wrap { width: 100%; margin-top: 26px; overflow-x: auto; border: 1px solid #29394d; overscroll-behavior-inline: contain; scroll-snap-type: x proximity; scrollbar-color: #65758a #101e31; scrollbar-width: thin; -webkit-overflow-scrolling: touch; }
.buydown-table { width: 100%; min-width: 650px; border-collapse: collapse; font-size: 12px; }
.buydown-table th, .buydown-table td { padding: 12px 10px; text-align: right; border-bottom: 1px solid #29394d; scroll-snap-align: start; }
.buydown-table th { color: #aeb9c6; background: #101e31; font-size: 10px; text-transform: uppercase; letter-spacing: .05em; }
.buydown-table th:first-child, .buydown-table td:first-child { text-align: left; }
.buydown-table th:first-child { position: sticky; left: 0; z-index: 2; background: #101e31; }
.buydown-table td:first-child { position: sticky; left: 0; z-index: 1; background: #0d1a2b; }
.buydown-table td { color: #e9edf2; }
.buydown-table tr:last-child td { border-bottom: 0; }

.calculator-explainer { padding: 100px 0; background: var(--cream); border-top: 1px solid #d0c8bc; }
.calculator-explainer-grid { display: grid; grid-template-columns: minmax(0,.85fr) minmax(0,1.15fr); gap: 100px; }
.calculator-explainer h2 { max-width: 620px; margin: 0; font-size: clamp(2.7rem,4.5vw,4.8rem); font-weight: 500; line-height: 1; letter-spacing: -.05em; }
.explainer-list { border-top: 1px solid #c8c0b4; }
.explainer-list p { display: grid; grid-template-columns: 180px minmax(0,1fr); gap: 24px; margin: 0; padding: 22px 0; border-bottom: 1px solid #c8c0b4; }
.explainer-list strong { color: #1b2530; font-size: 15px; }
.explainer-list span { color: #4d5863; font-size: 15px; }
.calculator-footer { color: white; }

@media (max-width: 980px) {
  .calculator-intro-grid { grid-template-columns: 1fr; gap: 35px; }
  .calculator-privacy { max-width: 650px; }
  .calculator-workbench { grid-template-columns: 1fr; }
  .calculator-results { position: static; }
  .calculator-explainer-grid { grid-template-columns: 1fr; gap: 45px; }
}

@media (max-width: 650px) {
  .calculator-intro { padding: 102px 0 30px; }
  .calculator-intro-grid { gap: 18px; }
  .calculator-intro .eyebrow { margin-bottom: 12px; font-size: 11px; }
  .calculator-intro h1 { font-size: clamp(2.65rem,12vw,3.8rem); line-height: .94; }
  .calculator-intro p:not(.eyebrow) { margin-top: 16px; font-size: 15px; line-height: 1.55; }
  .calculator-privacy { padding: 12px 14px; border-left-width: 2px; background: rgba(255,255,255,.025); }
  .calculator-privacy strong, .calculator-privacy span { display: inline; font-size: 13px; line-height: 1.55; }
  .calculator-privacy strong::after { content: " "; }
  .calculator-privacy span { margin-top: 0; }
  .calculator-switcher { display: grid; grid-template-columns: 1fr 1fr; gap: 6px; padding-block: 18px; }
  .calculator-switcher a { display: grid; place-items: center; min-height: 52px; padding: 8px; text-align: center; }
  .calculator-mobile-result { position: sticky; z-index: 45; top: calc(72px + env(safe-area-inset-top)); display: flex; min-width: 0; align-items: center; justify-content: space-between; gap: 14px; margin: 0 -15px 16px; padding: 10px 15px; color: white; border-block: 1px solid #2d4057; background: rgba(13,26,43,.97); box-shadow: 0 12px 28px rgba(4,9,15,.18); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); }
  .calculator-mobile-result > span { min-width: 0; }
  .calculator-mobile-result small, .calculator-mobile-result strong { display: block; }
  .calculator-mobile-result small { color: #b9c4d1; font-size: 11px; font-weight: 750; letter-spacing: .08em; line-height: 1.25; text-transform: uppercase; }
  .calculator-mobile-result strong { margin-top: 2px; overflow: hidden; color: var(--gold-light); font-family: var(--serif); font-size: 26px; font-weight: 400; line-height: 1; text-overflow: ellipsis; white-space: nowrap; }
  .calculator-mobile-result .calculator-mobile-result__action { flex: 0 0 auto; color: #edf1f5; font-size: 12px; font-weight: 750; white-space: nowrap; }
  .mobile-result-bar { position: sticky; z-index: 45; top: calc(72px + env(safe-area-inset-top)); display: grid; grid-template-columns: auto auto minmax(0,1fr); align-items: center; gap: 8px; width: 100%; min-height: 54px; padding: 8px 15px; color: white; border-block: 1px solid #2d4057; background: rgba(13,26,43,.97); box-shadow: 0 12px 28px rgba(4,9,15,.18); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); }
  .mobile-result-bar span { color: #b9c4d1; font-size: 10px; font-weight: 750; letter-spacing: .07em; line-height: 1.2; text-transform: uppercase; }
  .mobile-result-bar strong { overflow: hidden; color: var(--gold-light); font-family: var(--serif); font-size: 22px; font-weight: 400; line-height: 1; text-overflow: ellipsis; white-space: nowrap; }
  .mobile-result-bar i { justify-self: end; color: #edf1f5; font-size: 11px; font-style: normal; font-weight: 750; white-space: nowrap; }
  .calculator-workbench { padding-bottom: 70px; }
  .calculator-inputs, .calculator-results { padding: 24px 18px; }
  .calculator-results { scroll-margin-top: 138px; }
  .calculator-field-grid { grid-template-columns: 1fr; gap: 5px; }
  .calculator-field > span:first-child, .segmented-fieldset legend, .calculator-subfieldset legend { font-size: 14px; }
  .calculator-field small { min-height: 0; margin: 7px 0 17px; font-size: 13px; line-height: 1.5; }
  .calculator-check strong { font-size: 14px; }
  .calculator-check small { font-size: 13px; line-height: 1.45; }
  .calculator-subfieldset > p { font-size: 14px; line-height: 1.55; }
  .segmented-options.four-up { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .loan-summary, .buydown-summary { grid-template-columns: 1fr 1fr; }
  .buydown-summary div:last-child { grid-column: 1 / -1; }
  .loan-summary span { font-size: 11px; }
  .loan-summary strong { font-size: 16px; }
  .calculator-results .panel-heading { display: block; }
  .result-status { display: inline-block; margin-top: 16px; font-size: 11px; }
  .calculator-errors, .calculator-warnings { font-size: 14px; line-height: 1.5; }
  .calculator-disclosure, .calculator-sources { font-size: 13px; line-height: 1.65; }
  .result-actions .button { min-height: 52px; padding-inline: 12px; font-size: 13px; white-space: nowrap; }
  .buydown-scroll-hint { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 22px; color: #d7dee7; font-size: 13px; line-height: 1.4; }
  .buydown-scroll-hint + .buydown-table-wrap { margin-top: 0; }
  .buydown-table-wrap { touch-action: pan-x; box-shadow: inset -18px 0 20px -24px rgba(212,173,85,.8); }
  .buydown-table { min-width: 620px; font-size: 13px; }
  .buydown-table th, .buydown-table td { padding: 14px 11px; }
  .buydown-table th { font-size: 11px; line-height: 1.35; }
  .buydown-table th:first-child, .buydown-table td:first-child { min-width: 88px; box-shadow: 9px 0 16px -14px rgba(0,0,0,.9); }
  .calculator-explainer { padding: 75px 0; }
  .explainer-list p { grid-template-columns: 1fr; gap: 6px; }
}

@media (max-width: 360px) {
  .mobile-result-bar { grid-template-columns: auto minmax(0,1fr); }
  .mobile-result-bar span { display: none; }
}