/* ============================================================
   CarAffordCalc.com — Global Styles
   Theme: Deep Navy #1B3A6B + Light Gray #F4F6F8
   Mobile-first, American auto-finance aesthetic
   ============================================================ */

/* --- CSS Variables --- */
:root {
  --color-primary: #1B3A6B;
  --color-primary-dark: #122A4E;
  --color-primary-light: #2A5CA8;
  --color-accent: #E84A2E;        /* call-to-action red */
  --color-accent-hover: #D13D22;
  --color-bg: #F4F6F8;
  --color-white: #FFFFFF;
  --color-text: #1F2937;
  --color-text-light: #6B7280;
  --color-border: #D1D5DB;
  --color-border-light: #E5E7EB;
  --color-success: #059669;
  --color-success-light: #D1FAE5;
  --color-warning: #D97706;
  --color-danger: #DC2626;
  --color-result-bg: #EFF6FF;
  --font-sans: 'Segoe UI', system-ui, -apple-system, sans-serif;
  --font-mono: 'Consolas', 'Courier New', monospace;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-pill: 50px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.12);
  --nav-height: 64px;
  --max-width: 1120px;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  font-size: 16px;
  min-height: 100vh;
}

a { color: var(--color-primary-light); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; display: block; }

/* --- Screen Reader Only --- */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-primary);
  box-shadow: var(--shadow-md);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-height);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--color-white);
  font-size: 1.25rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.logo-icon { font-size: 1.5rem; }
.logo-text { letter-spacing: -0.02em; }
.logo-highlight { color: #60A5FA; }

.nav-menu {
  display: flex;
  list-style: none;
  gap: 4px;
}

.nav-link {
  display: block;
  padding: 8px 16px;
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: background 0.2s, color 0.2s;
  text-decoration: none;
}

.nav-link:hover,
.nav-link.active {
  background: rgba(255,255,255,0.15);
  color: var(--color-white);
  text-decoration: none;
}

/* Hamburger toggle */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
}

.hamburger-line {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-white);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  color: var(--color-white);
  padding: 32px 20px 16px;
  text-align: center;
}

.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.hero h1 {
  font-size: 2rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.03em;
}

.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.85);
  max-width: 640px;
  margin: 0 auto 20px;
  line-height: 1.5;
}

.hero-updated {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-top: 8px;
}

/* --- Trust Badges (P3) --- */
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  margin-top: 12px;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-pill);
  padding: 6px 16px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.9);
  backdrop-filter: blur(4px);
}

.trust-badge .badge-icon {
  font-size: 1rem;
}

/* ============================================================
   LAYOUT CONTAINERS
   ============================================================ */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 12px 0;
}

.section-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 8px;
}

.section-desc {
  color: var(--color-text-light);
  margin-bottom: 24px;
  font-size: 1rem;
}

/* ============================================================
   AD BANNER SLOT
   ============================================================ */
.ad-banner-top {
  max-width: var(--max-width);
  margin: 12px auto;
  padding: 0 20px;
  min-height: 1px;
  display: flex;
  justify-content: center;
  align-items: center;
}

.top-anchor-slot {
  width: 100%;
  min-height: 0;
}

/* ============================================================
   CALCULATOR-BOX (CRITICAL: AdSense exclusion zone)
   ============================================================ */
.calculator-box {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 28px 24px;
  margin-bottom: 32px;
  border: 1px solid var(--color-border-light);
}

.calculator-box h2 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 6px;
}

.calculator-box .calc-desc {
  color: var(--color-text-light);
  font-size: 0.95rem;
  margin-bottom: 20px;
}

/* ============================================================
   FORM ELEMENTS (Large, mobile-friendly)
   ============================================================ */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  margin-bottom: 16px;
}

.form-group label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: 6px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 14px 16px;
  font-size: 1.05rem;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-white);
  color: var(--color-text);
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
  -webkit-appearance: none;
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-primary-light);
  box-shadow: 0 0 0 3px rgba(42,92,168,0.15);
}

.form-group input::placeholder {
  color: var(--color-text-light);
}

/* Range slider — improved for mobile (P3) */
.form-group input[type="range"] {
  padding: 0;
  border: none;
  appearance: auto;
  -webkit-appearance: auto;
  height: 8px;
  margin-top: 8px;
  border-radius: 4px;
  background: transparent;
}

input[type="range"]::-webkit-slider-runnable-track {
  height: 8px;
  border-radius: 4px;
  background: var(--color-border-light);
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-white);
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  margin-top: -7px;
  cursor: pointer;
}

input[type="range"]::-moz-range-track {
  height: 8px;
  border-radius: 4px;
  background: var(--color-border-light);
}

input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary);
  border: 3px solid var(--color-white);
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  cursor: pointer;
}

.range-row {
  display: flex;
  align-items: center;
  gap: 12px;
}

.range-value {
  font-weight: 700;
  color: var(--color-primary);
  white-space: nowrap;
  min-width: 80px;
  text-align: right;
}

/* ============================================================
   BUTTONS — pill-shaped (P3)
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 32px;
  font-size: 1.05rem;
  font-weight: 700;
  border: none;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: background 0.2s, transform 0.1s, box-shadow 0.2s;
  text-decoration: none;
}

.btn-primary {
  background: var(--color-accent);
  color: var(--color-white);
  box-shadow: 0 4px 12px rgba(232,74,46,0.3);
}

.btn-primary:hover {
  background: var(--color-accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(232,74,46,0.35);
  text-decoration: none;
  color: var(--color-white);
}

.btn-primary:active {
  transform: translateY(0);
}

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

.btn-secondary:hover {
  background: var(--color-primary-dark);
  color: var(--color-white);
  text-decoration: none;
}

.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 2px solid var(--color-primary);
}

.btn-outline:hover {
  background: var(--color-primary);
  color: var(--color-white);
}

.btn-full { width: 100%; }

.btn-sm {
  padding: 8px 18px;
  font-size: 0.9rem;
}

/* ============================================================
   RESULTS PANEL
   ============================================================ */
.results-panel {
  background: var(--color-result-bg);
  border: 2px solid #BFDBFE;
  border-radius: var(--radius-md);
  padding: 24px;
  margin-top: 20px;
  display: none;
}

.results-panel.visible { display: block; }

.results-panel h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 16px;
}

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.result-item {
  background: var(--color-white);
  border-radius: var(--radius-sm);
  padding: 16px;
  text-align: center;
}

.result-item .result-label {
  font-size: 0.85rem;
  color: var(--color-text-light);
  margin-bottom: 4px;
}

.result-item .result-value {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-primary);
}

.result-item .result-note {
  font-size: 0.8rem;
  color: var(--color-text-light);
  margin-top: 4px;
}

.result-item.highlight {
  background: var(--color-primary);
}

.result-item.highlight .result-label,
.result-item.highlight .result-note {
  color: rgba(255,255,255,0.75);
}

.result-item.highlight .result-value {
  color: var(--color-white);
}

/* Count-up animation (P3) */
.result-value.animating {
  transition: color 0.3s;
}

/* ============================================================
   RESULT ACTION BAR (Print / Share / Save)
   ============================================================ */
.result-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--color-border-light);
}

.result-actions .btn {
  font-size: 0.9rem;
  padding: 10px 20px;
}

/* Share link input */
.share-link-row {
  display: flex;
  gap: 8px;
  align-items: center;
  margin-top: 12px;
  padding: 12px;
  background: var(--color-bg);
  border-radius: var(--radius-sm);
}

.share-link-row input {
  flex: 1;
  padding: 8px 12px;
  font-size: 0.85rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-text-light);
}

/* ============================================================
   CHART CONTAINERS (P1)
   ============================================================ */
.chart-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 24px;
}

.chart-container {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 16px;
  border: 1px solid var(--color-border-light);
}

.chart-container h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
  text-align: center;
}

.chart-canvas-wrap {
  position: relative;
  width: 100%;
  height: 280px;
  overflow: hidden;
}

.chart-canvas-wrap canvas {
  width: 100% !important;
  height: 100% !important;
}

/* ============================================================
   AMORTIZATION SCHEDULE (P1)
   ============================================================ */
.amort-schedule {
  margin-top: 24px;
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.amort-toggle {
  width: 100%;
  background: var(--color-bg);
  border: none;
  padding: 14px 20px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background 0.2s;
}

.amort-toggle:hover {
  background: #E5E7EB;
}

.amort-toggle .toggle-arrow {
  transition: transform 0.3s;
  font-size: 1.2rem;
}

.amort-toggle.open .toggle-arrow {
  transform: rotate(180deg);
}

.amort-table-wrap {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.amort-table-wrap.open {
  max-height: 4000px;
}

.amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}

.amort-table th {
  background: var(--color-primary);
  color: var(--color-white);
  padding: 10px 12px;
  font-weight: 600;
  font-size: 0.8rem;
  text-align: right;
  position: sticky;
  top: 0;
}

.amort-table th:first-child {
  text-align: center;
}

.amort-table td {
  padding: 8px 12px;
  text-align: right;
  border-bottom: 1px solid var(--color-border-light);
}

.amort-table td:first-child {
  text-align: center;
  font-weight: 600;
  color: var(--color-primary);
}

.amort-table tbody tr:hover {
  background: #F0F7FF;
}

.amort-view-toggle {
  display: flex;
  gap: 8px;
  margin: 12px 16px;
}

.amort-view-toggle .btn-sm {
  flex: 1;
}

/* ============================================================
   BI-WEEKLY COMPARISON (P1)
   ============================================================ */
.biweekly-compare {
  margin-top: 20px;
  background: var(--color-white);
  border: 2px solid var(--color-success-light);
  border-radius: var(--radius-md);
  padding: 20px;
}

.biweekly-compare h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-success);
  margin-bottom: 12px;
}

.biweekly-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.biweekly-table th {
  background: var(--color-success-light);
  color: var(--color-success);
  padding: 10px 12px;
  font-weight: 600;
  text-align: left;
}

.biweekly-table td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--color-border-light);
}

.biweekly-table .save-val {
  color: var(--color-success);
  font-weight: 700;
}

/* ============================================================
   EXTRA PAYMENT SIMULATOR (P2)
   ============================================================ */
.extra-payment-section {
  margin-top: 20px;
  background: var(--color-bg);
  border-radius: var(--radius-md);
  padding: 20px;
  border: 1px solid var(--color-border-light);
}

.extra-payment-section h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.extra-payment-result {
  margin-top: 12px;
  padding: 12px 16px;
  background: var(--color-success-light);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--color-success);
  font-weight: 600;
}

/* ============================================================
   DTI GAUGE (P3)
   ============================================================ */
.dti-gauge-section {
  margin-top: 20px;
  text-align: center;
}

.dti-gauge-section h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.gauge-wrap {
  position: relative;
  width: 220px;
  height: 120px;
  margin: 0 auto 12px;
}

.gauge-wrap canvas {
  width: 100% !important;
  height: auto !important;
}

.gauge-label {
  font-size: 0.9rem;
  color: var(--color-text-light);
}

.gauge-label strong {
  color: var(--color-text);
}

.dti-status {
  display: inline-block;
  padding: 4px 16px;
  border-radius: var(--radius-pill);
  font-size: 0.9rem;
  font-weight: 700;
  margin-top: 8px;
}

.dti-status.safe {
  background: var(--color-success-light);
  color: var(--color-success);
}

.dti-status.caution {
  background: #FEF3C7;
  color: var(--color-warning);
}

.dti-status.risk {
  background: #FEE2E2;
  color: var(--color-danger);
}

/* ============================================================
   SAVED SCENARIOS (P2)
   ============================================================ */
.saved-scenarios {
  margin-top: 20px;
}

.saved-scenarios h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.scenario-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.scenario-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--color-white);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
}

.scenario-item .scenario-name {
  font-weight: 600;
  color: var(--color-text);
}

.scenario-item .scenario-value {
  font-size: 0.9rem;
  color: var(--color-text-light);
}

.scenario-item .scenario-actions {
  display: flex;
  gap: 6px;
}

.scenario-empty {
  font-size: 0.9rem;
  color: var(--color-text-light);
  font-style: italic;
  padding: 12px 0;
}

/* ============================================================
   TOOL CARDS (Quick entry cards)
   ============================================================ */
.tool-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 20px;
  margin-top: 20px;
}

.tool-card {
  background: var(--color-white);
  border-radius: var(--radius-md);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border-light);
  transition: box-shadow 0.2s, transform 0.2s;
  text-decoration: none;
  color: inherit;
  display: block;
}

.tool-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  text-decoration: none;
  color: inherit;
}

.tool-card-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}

.tool-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 6px;
}

.tool-card p {
  font-size: 0.9rem;
  color: var(--color-text-light);
  line-height: 1.5;
}

/* ============================================================
   FAQ SECTION — multi-expand (P3)
   ============================================================ */
.faq-section { margin-top: 40px; }

.faq-item {
  background: var(--color-white);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  border: 1px solid var(--color-border-light);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 18px 24px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq-question::after {
  content: "+";
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--color-primary-light);
  transition: transform 0.3s;
  flex-shrink: 0;
  margin-left: 12px;
}

.faq-item.open .faq-question::after {
  content: "−";
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 400px;
}

.faq-answer-inner {
  padding: 0 24px 18px;
  color: var(--color-text-light);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  padding: 12px 0;
  font-size: 0.85rem;
  color: var(--color-text-light);
}

.breadcrumb a { color: var(--color-primary-light); }
.breadcrumb span { color: var(--color-text); font-weight: 500; }

/* ============================================================
   DISCLAIMER
   ============================================================ */
.disclaimer {
  background: #FEF3C7;
  border-left: 4px solid var(--color-warning);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 20px;
  margin-top: 32px;
  font-size: 0.9rem;
  color: #92400E;
  line-height: 1.5;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--color-primary-dark);
  color: rgba(255,255,255,0.8);
  padding: 48px 20px 24px;
  margin-top: 64px;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-white);
}

.footer-tagline {
  margin-top: 8px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
}

.footer-links {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.footer-heading {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--color-white);
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
.footer-col a:hover { color: var(--color-white); }

.footer-bottom {
  padding-top: 24px;
  text-align: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
}

.footer-bottom a { color: rgba(255,255,255,0.65); }

/* ============================================================
   PAGE HEADER (for sub-pages)
   ============================================================ */
.page-header {
  background: var(--color-primary);
  color: var(--color-white);
  padding: 40px 20px;
  text-align: center;
}

.page-header h1 {
  font-size: 1.8rem;
  font-weight: 800;
  margin-bottom: 8px;
}

.page-header p {
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
}

.page-body {
  max-width: 800px;
  margin: 0 auto;
  padding: 40px 20px;
}

/* ============================================================
   NEW CAR VS USED VS LEASE COMPARISON (P3)
   ============================================================ */
.cost-compare-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 16px;
  font-size: 0.95rem;
}

.cost-compare-table th {
  background: var(--color-primary);
  color: var(--color-white);
  padding: 12px 16px;
  font-weight: 600;
  text-align: center;
}

.cost-compare-table td {
  padding: 12px 16px;
  text-align: center;
  border-bottom: 1px solid var(--color-border-light);
}

.cost-compare-table tr:hover td {
  background: #F0F7FF;
}

.cost-compare-table .best-option {
  background: var(--color-success-light);
  font-weight: 700;
  color: var(--color-success);
}

/* ============================================================
   PRINT STYLES (P1)
   ============================================================ */
@media print {
  .site-nav,
  .top-anchor-slot,
  .ad-banner-top,
  .trust-badges,
  .btn,
  .result-actions,
  .amort-toggle,
  .faq-section,
  .tool-cards,
  .site-footer,
  .disclaimer,
  script,
  .nav-toggle { display: none !important; }

  body {
    background: white !important;
    color: black !important;
    font-size: 12pt;
  }

  .calculator-box {
    box-shadow: none !important;
    border: 1px solid #ccc !important;
    break-inside: avoid;
  }

  .results-panel {
    display: block !important;
    border: 2px solid #1B3A6B !important;
    background: #f0f4ff !important;
  }

  .chart-container {
    break-inside: avoid;
    page-break-inside: avoid;
  }

  .amort-table-wrap {
    max-height: none !important;
    overflow: visible !important;
    display: block !important;
  }

  .amort-schedule {
    break-inside: avoid;
  }

  .hero {
    background: #1B3A6B !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }

  a { color: black !important; }
  a[href^="http"]::after {
    content: " (" attr(href) ")";
    font-size: 9pt;
    color: #666;
  }
}

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */

/* Mobile: nav menu collapses */
@media (max-width: 768px) {
  .nav-toggle { display: flex; }

  .nav-menu {
    display: none;
    position: absolute;
    top: var(--nav-height);
    left: 0;
    right: 0;
    background: var(--color-primary-dark);
    flex-direction: column;
    padding: 12px 20px 20px;
    gap: 4px;
    box-shadow: var(--shadow-lg);
  }

  .nav-menu.open { display: flex; }

  .nav-link { padding: 12px 16px; }

  .hero h1 { font-size: 1.5rem; }
  .hero p { font-size: 1rem; }

  .form-row { grid-template-columns: 1fr; }

  .result-grid { grid-template-columns: 1fr; }

  .chart-row { grid-template-columns: 1fr; }

  .footer-top {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .footer-links {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .tool-cards {
    grid-template-columns: 1fr;
  }

  .calculator-box { padding: 20px 16px; }

  .trust-badges {
    gap: 8px;
  }

  .trust-badge {
    font-size: 0.78rem;
    padding: 5px 12px;
  }

  .result-actions {
    flex-direction: column;
  }

  .result-actions .btn {
    width: 100%;
  }

  .share-link-row {
    flex-direction: column;
  }

  .amort-table {
    font-size: 0.75rem;
  }

  .amort-table th,
  .amort-table td {
    padding: 6px 8px;
  }

  .gauge-wrap {
    width: 180px;
    height: 100px;
  }
}

@media (max-width: 480px) {
  .hero { padding: 32px 16px 28px; }
  .hero h1 { font-size: 1.3rem; }
  .section { padding: 28px 0; }

  .result-grid {
    grid-template-columns: 1fr;
  }

  .biweekly-table {
    font-size: 0.8rem;
  }

  .scenario-item {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
}

/* ============================================================
   Credit Score Reference Table
   ============================================================ */
.credit-ref-table {
  margin: 12px 0 16px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--color-border-light);
}

.credit-ref-toggle {
  display: block;
  width: 100%;
  background: var(--color-bg);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-md);
  padding: 10px 16px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
  text-align: left;
  transition: background 0.2s;
}

.credit-ref-toggle:hover {
  background: #E5E7EB;
}

.credit-ref-content {
  display: none;
  padding: 12px;
  background: var(--color-white);
  border-top: 1px solid var(--color-border-light);
}

.credit-ref-content.open {
  display: block;
}

.credit-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
}

.credit-table th {
  background: var(--color-primary);
  color: var(--color-white);
  padding: 8px 10px;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.credit-table td {
  padding: 7px 10px;
  border-bottom: 1px solid var(--color-border-light);
}

.score-range-excellent td:first-child { color: #059669; font-weight: 700; }
.score-range-good td:first-child { color: #1B3A6B; font-weight: 700; }
.score-range-fair td:first-child { color: #D97706; font-weight: 700; }
.score-range-poor td:first-child { color: #DC2626; font-weight: 700; }

/* ============================================================
   Advanced Options Panel
   ============================================================ */
.advanced-panel {
  margin: 16px 0;
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.advanced-toggle {
  display: block;
  width: 100%;
  background: var(--color-bg);
  border: none;
  padding: 12px 16px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
  text-align: left;
  transition: background 0.2s;
}

.advanced-toggle:hover {
  background: #E5E7EB;
}

.advanced-panel[open] .advanced-toggle {
  border-bottom: 1px solid var(--color-border-light);
}

.advanced-content {
  padding: 16px;
}

.advanced-content .form-row {
  margin-bottom: 0;
}

/* ============================================================
   Payoff Date & Total Interest (result items)
   ============================================================ */
#aff-payoff-date,
#aff-total-interest {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--color-primary);
}

/* ============================================================
   Amortization Schedule — Payment Date column
   ============================================================ */
.amort-table .date-col {
  font-size: 0.72rem;
  color: var(--color-text-light);
  white-space: nowrap;
}

/* ============================================================
   Print Styles — enhanced
   ============================================================ */
@media print {
  .credit-ref-table,
  .advanced-panel,
  .advanced-toggle,
  .advanced-content,
  .hero,
  .nav,
  .ad-banner-top,
  .ad-placeholder,
  .trust-badges,
  .result-actions,
  .share-link-row,
  .faq-section,
  .tool-cards,
  .cost-compare-table,
  .disclaimer {
    display: none !important;
  }

  .calculator-box {
    box-shadow: none;
    border: 1px solid #ccc;
  }

  .results-panel {
    display: block !important;
    page-break-inside: avoid;
  }

  .chart-container {
    break-inside: avoid;
    max-height: 300px;
  }

  .amort-table-wrap {
    display: block !important;
    max-height: none !important;
    overflow: visible !important;
  }
}

/* ============================================================
   New vs Used Comparison Tool
   ============================================================ */
.cost-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 12px;
  margin: 16px 0;
}

.cost-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.cost-label {
  font-size: 0.82rem;
  color: var(--color-text-light);
  font-weight: 500;
}

.cost-val {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-primary);
}

.cost-val.used {
  color: var(--color-accent);
}

.cost-item.total {
  background: var(--color-result-bg);
  padding: 12px;
  border-radius: var(--radius-sm);
  margin-top: 8px;
}

.cost-summary {
  font-size: 0.95rem;
  line-height: 1.8;
}

.save-badge {
  display: inline-block;
  background: var(--color-success-light);
  color: var(--color-success);
  padding: 2px 10px;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  margin-left: 8px;
}

/* ============================================================
   FLOATING ACTION BUTTONS (FAB) — bottom-right corner
   ============================================================ */
.fab-container {
  position: fixed !important;
  bottom: 24px !important;
  right: 24px !important;
  z-index: 2147483647 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 10px !important;
  pointer-events: auto !important;
  isolation: isolate;
}

/* Block any ad/iframe overlay from covering FAB */
.fab-container::before {
  content: '';
  position: absolute;
  inset: -20px;
  z-index: -1;
  background: transparent;
}

.fab-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: none;
  cursor: pointer;
  font-size: 1.3rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 14px rgba(0,0,0,0.18);
  transition: transform 0.2s, box-shadow 0.2s, background 0.2s;
  background: var(--color-primary);
  color: var(--color-white);
  pointer-events: auto !important;
}

.fab-btn:hover {
  transform: scale(1.12) translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.25);
}

.fab-btn:active {
  transform: scale(1);
}

#fab-print { background: var(--color-primary); }
#fab-share { background: #059669; }
#fab-save { background: var(--color-accent); }

/* Hide FAB on non-calculator pages by default — JS will show when results exist */
.fab-container.hidden {
  display: none !important;
}

/* Print styles: hide FAB */
@media print {
  .fab-container { display: none !important; }
}

/* ============================================================
   Toast Notifications
   ============================================================ */

.toast-container {
  position: fixed;
  bottom: 90px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2147483646;
  display: flex;
  flex-direction: column-reverse;
  align-items: center;
  gap: 8px;
  pointer-events: none;
}

.toast-msg {
  background: #1F2937;
  color: #F9FAFB;
  padding: 10px 20px;
  border-radius: 8px;
  font-size: 0.88rem;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.25s, transform 0.25s;
  pointer-events: auto;
  max-width: 360px;
  text-align: center;
  line-height: 1.5;
}

.toast-msg b {
  color: #60A5FA;
}

.toast-msg.toast-show {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 480px) {
  .toast-container {
    bottom: 80px;
    left: 12px;
    right: 12px;
    transform: none;
  }
  .toast-msg {
    max-width: 100%;
    font-size: 0.82rem;
    padding: 8px 14px;
  }
}

/* ============================================================
   State Guide Pages
   ============================================================ */

.state-guide-section {
  padding: 24px 0;
}

/* State Info Card */
.state-info-card {
  background: var(--color-white);
  border-radius: 12px;
  padding: 24px;
  margin: 20px 0;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  border: 1px solid var(--color-border-light);
}
.state-info-card h2 {
  font-size: 1.25rem;
  color: var(--color-primary);
  margin-bottom: 16px;
}
.state-info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 16px;
}
.info-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 12px;
  background: var(--color-bg);
  border-radius: 8px;
}
.info-label {
  font-size: 0.8rem;
  color: var(--color-text-light);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.info-value {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--color-primary);
}
.tax-note {
  font-size: 0.9rem;
  color: var(--color-text-light);
  line-height: 1.6;
  margin-bottom: 8px;
}
.dmv-link {
  font-size: 0.85rem;
}
.dmv-link a {
  color: var(--color-primary);
  word-break: break-all;
}

/* Incentives Section */
.incentives-section {
  background: var(--color-white);
  border-radius: 12px;
  padding: 24px;
  margin: 20px 0;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  border: 1px solid var(--color-border-light);
}
.incentives-section h2 {
  font-size: 1.15rem;
  color: var(--color-primary);
  margin-bottom: 12px;
}
.incentives-content p {
  line-height: 1.7;
  color: var(--color-text);
}

/* State Calculator (mini) in state guide pages */
.state-guide-section .calculator-box {
  margin-top: 24px;
}
.state-guide-section .calc-form input,
.state-guide-section .calc-form select {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--color-border);
  border-radius: 8px;
  font-size: 0.95rem;
  margin-top: 4px;
}
.input-hint {
  display: block;
  font-size: 0.78rem;
  color: var(--color-text-light);
  margin-top: 3px;
}

/* Result card for state mini calculator */
.result-card {
  background: #F0FDF4;
  border: 1px solid #86EFAC;
  border-radius: 10px;
  padding: 20px;
  margin-top: 16px;
}
.result-card h3 {
  margin: 0 0 8px;
  font-size: 1rem;
  color: #166534;
}
.result-main {
  font-size: 2rem;
  font-weight: 800;
  color: #059669;
  margin-bottom: 12px;
}
.result-main small {
  display: block;
  font-size: 0.85rem;
  font-weight: 400;
  color: var(--color-text-light);
}
.result-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.result-table td {
  padding: 6px 8px;
  border-bottom: 1px solid #E5E7EB;
}
.result-table tr:last-child td { border-bottom: none; }
.result-note {
  font-size: 0.78rem;
  color: var(--color-text-light);
  margin-top: 10px;
  line-height: 1.5;
}
.error {
  color: #DC2626;
  font-weight: 600;
  padding: 10px;
  background: #FEF2F2;
  border-radius: 6px;
}

/* Related States Section */
.related-states {
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid var(--color-border-light);
}
.related-states h3 {
  font-size: 1.05rem;
  margin-bottom: 14px;
  color: var(--color-text);
}
.state-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.state-links a {
  display: inline-block;
  padding: 7px 16px;
  background: var(--color-bg);
  border: 1px solid var(--color-border-light);
  border-radius: 20px;
  text-decoration: none;
  color: var(--color-text);
  font-size: 0.85rem;
  transition: all 0.15s;
}
.state-links a:hover {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}

/* State Grid (index page) */
.state-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 12px;
}
.state-card {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 18px;
  background: var(--color-white);
  border: 1px solid var(--color-border-light);
  border-radius: 10px;
  text-decoration: none;
  color: var(--color-text);
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
.state-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  border-color: var(--color-primary);
}
.state-name { font-weight: 600; font-size: 0.95rem; }
.state-abbr {
  font-size: 0.75rem; color: #888; margin-left: auto;
  background: #f3f4f6; padding: 2px 8px; border-radius: 4px;
}
.state-tax {
  font-size: 0.75rem; color: #666;
}

@media (max-width: 600px) {
  .state-grid { grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); }
  .state-info-grid { grid-template-columns: 1fr 1fr; }
}