/* Canadian mortgage calculators — centered glass UI */
:root,
[data-theme="dark"] {
	--bg-deep: #0a0e17;
	--bg-gradient-a: rgba(201, 169, 98, 0.15);
	--bg-gradient-b: rgba(100, 140, 200, 0.12);
	--orb-a: rgba(201, 169, 98, 0.35);
	--orb-b: rgba(80, 120, 200, 0.2);
	--orb-c: rgba(201, 169, 98, 0.15);
	--glass: rgba(255, 255, 255, 0.06);
	--glass-border: rgba(255, 255, 255, 0.12);
	--glass-strong: rgba(255, 255, 255, 0.1);
	--card-shadow: rgba(0, 0, 0, 0.35);
	--inputs-card-bg: rgba(0, 0, 0, 0.18);
	--gold: #c9a962;
	--gold-light: #e8d5a3;
	--gold-glow: rgba(201, 169, 98, 0.35);
	--warn: #fbbf24;
	--warn-border: rgba(245, 158, 11, 0.4);
	--warn-bg: rgba(245, 158, 11, 0.08);
	--text: #f4f1ea;
	--text-muted: rgba(244, 241, 234, 0.62);
	--text-on-gold: #0a0e17;
	--input-bg: rgba(0, 0, 0, 0.25);
	--segment-bg: rgba(0, 0, 0, 0.2);
	--slider-track: rgba(255, 255, 255, 0.12);
	--table-head-bg: rgba(10, 14, 23, 0.95);
	--radius: 1.25rem;
	--radius-sm: 0.65rem;
	--font: "Inter", system-ui, -apple-system, sans-serif;
	--font-display: "Playfair Display", Georgia, serif;
	color-scheme: dark;
}

[data-theme="light"] {
	--bg-deep: #eef1f6;
	--bg-gradient-a: rgba(201, 169, 98, 0.12);
	--bg-gradient-b: rgba(100, 140, 200, 0.08);
	--orb-a: rgba(201, 169, 98, 0.2);
	--orb-b: rgba(100, 140, 200, 0.12);
	--orb-c: rgba(201, 169, 98, 0.1);
	--glass: rgba(255, 255, 255, 0.72);
	--glass-border: rgba(15, 23, 42, 0.12);
	--glass-strong: rgba(255, 255, 255, 0.92);
	--card-shadow: rgba(15, 23, 42, 0.08);
	--inputs-card-bg: rgba(255, 255, 255, 0.65);
	--gold: #a8842e;
	--gold-light: #8a6d24;
	--gold-glow: rgba(168, 132, 46, 0.25);
	--warn: #b45309;
	--warn-border: rgba(180, 83, 9, 0.35);
	--warn-bg: rgba(251, 191, 36, 0.15);
	--text: #1e293b;
	--text-muted: rgba(30, 41, 59, 0.68);
	--text-on-gold: #1e293b;
	--input-bg: rgba(255, 255, 255, 0.95);
	--segment-bg: rgba(255, 255, 255, 0.85);
	--slider-track: rgba(15, 23, 42, 0.12);
	--table-head-bg: rgba(238, 241, 246, 0.98);
	color-scheme: light;
}

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

body {
	margin: 0;
	min-height: 100vh;
	font-family: var(--font);
	font-size: 0.95rem;
	line-height: 1.5;
	color: var(--text);
	text-align: center;
	background: var(--bg-deep);
	background-image:
		radial-gradient(ellipse 80% 50% at 20% -10%, var(--bg-gradient-a), transparent),
		radial-gradient(ellipse 60% 40% at 90% 10%, var(--bg-gradient-b), transparent);
	transition: background 0.25s ease, color 0.25s ease;
}

.bg-orbs {
	position: fixed;
	inset: 0;
	pointer-events: none;
	z-index: 0;
}

.bg-orbs span {
	position: absolute;
	border-radius: 50%;
	filter: blur(80px);
	opacity: 0.5;
}

.bg-orbs span:nth-child(1) { width: 420px; height: 420px; background: var(--orb-a); top: -8%; left: 10%; }
.bg-orbs span:nth-child(2) { width: 320px; height: 320px; background: var(--orb-b); top: 40%; right: -5%; }
.bg-orbs span:nth-child(3) { width: 280px; height: 280px; background: var(--orb-c); bottom: -5%; left: 35%; }

.shell { position: relative; z-index: 1; max-width: 1100px; margin: 0 auto; padding: 1.5rem 1.25rem 3rem; }

/* --- Header --- */
.site-header {
	display: flex;
	flex-direction: column;
	align-items: center;
	text-align: center;
	gap: 1.25rem;
	margin-bottom: 1.75rem;
}

.header-row {
	display: flex;
	align-items: flex-start;
	justify-content: center;
	gap: 1rem;
	width: 100%;
	max-width: 720px;
	position: relative;
}

.header-row .brand {
	flex: 1;
	min-width: 0;
}

.theme-toggle {
	flex-shrink: 0;
	appearance: none;
	border: 1px solid var(--glass-border);
	background: var(--glass);
	color: var(--text);
	width: 2.75rem;
	height: 2.75rem;
	border-radius: 999px;
	cursor: pointer;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	font-size: 1.15rem;
	line-height: 1;
	transition: border-color 0.2s, background 0.2s, transform 0.15s;
	backdrop-filter: blur(12px);
}

.theme-toggle:hover {
	border-color: var(--gold);
	transform: scale(1.04);
}

.theme-toggle-icon {
	display: none;
}

.theme-toggle .theme-icon-moon { display: block; }
.theme-toggle.is-light .theme-icon-moon { display: none; }
.theme-toggle.is-light .theme-icon-sun { display: block; }

.brand { text-decoration: none; color: inherit; }
.brand-title {
	font-family: var(--font-display);
	font-size: clamp(1.5rem, 4vw, 2rem);
	font-weight: 500;
	margin: 0;
	background: linear-gradient(135deg, var(--text), var(--gold-light));
	-webkit-background-clip: text;
	background-clip: text;
	color: transparent;
}
.brand-sub { margin: 0.35rem 0 0; font-size: 0.85rem; color: var(--text-muted); }

.tab-nav {
	display: inline-flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 0.5rem;
	padding: 0.35rem;
	background: var(--glass);
	border: 1px solid var(--glass-border);
	border-radius: 999px;
	backdrop-filter: blur(16px);
}

.tab-btn {
	appearance: none;
	border: none;
	background: transparent;
	color: var(--text-muted);
	font: inherit;
	font-size: 0.82rem;
	font-weight: 500;
	padding: 0.55rem 1.25rem;
	border-radius: 999px;
	cursor: pointer;
	transition: color 0.2s, background 0.2s;
}

.tab-btn.is-active {
	color: var(--text-on-gold);
	background: linear-gradient(135deg, var(--gold-light), var(--gold));
	box-shadow: 0 4px 20px var(--gold-glow);
}

/* --- Panels --- */
.panel { display: none; }
.panel.is-active { display: block; animation: fadeIn 0.35s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.glass-card {
	background: var(--glass-strong);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius);
	padding: 1.75rem 1.5rem;
	backdrop-filter: blur(20px);
	box-shadow: 0 8px 32px var(--card-shadow);
}

.panel-head { text-align: center; margin-bottom: 1.5rem; }
.panel-head h2 { font-family: var(--font-display); font-size: clamp(1.35rem, 3vw, 1.75rem); margin: 0 0 0.5rem; }
.panel-head p { margin: 0 auto; max-width: 42rem; color: var(--text-muted); font-size: 0.9rem; }

.inputs-card {
	background: var(--inputs-card-bg);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
	padding: 1.25rem 1rem;
	margin-bottom: 1.25rem;
}

/* --- Form fields --- */
.form-grid {
	display: grid;
	gap: 1.1rem 1rem;
	margin-bottom: 0;
}

.form-grid-sym {
	grid-template-columns: repeat(3, minmax(0, 1fr));
	align-items: start;
}

.field-span-row {
	grid-column: 1 / -1;
}

.form-grid-prep .field label {
	min-height: 2.4rem;
	display: flex;
	align-items: flex-end;
	justify-content: center;
}

.form-grid-prep .field {
	align-items: stretch;
}

.select-plain,
#p-lender,
#p-ird-method {
	width: 100%;
	max-width: 100%;
	padding: 0.55rem 0.75rem;
	font: inherit;
	text-align: left;
	color: var(--text);
	background: var(--input-bg);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
}

.field-lender .select-plain,
.field-lender #p-lender,
.field-amort .select-plain,
.field-amort #q-amort {
	max-width: 520px;
	margin: 0 auto;
}

.form-grid-ins {
	grid-template-columns: repeat(2, minmax(0, 1fr));
	max-width: 640px;
	margin: 0 auto;
}

@media (max-width: 900px) {
	.form-grid-sym { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 560px) {
	.form-grid-sym,
	.form-grid-ins { grid-template-columns: 1fr; }
}

.field {
	display: flex;
	flex-direction: column;
	align-items: center;
	text-align: center;
	min-width: 0;
}

.field label {
	display: block;
	width: 100%;
	font-size: 0.68rem;
	font-weight: 600;
	letter-spacing: 0.08em;
	text-transform: uppercase;
	color: var(--text-muted);
	margin-bottom: 0.5rem;
}

.field input,
.field select {
	width: 100%;
	padding: 0.55rem 0.75rem;
	font: inherit;
	text-align: center;
	color: var(--text);
	background: var(--input-bg);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
}

.field input:focus,
.field select:focus {
	outline: none;
	border-color: var(--gold);
	box-shadow: 0 0 0 3px var(--gold-glow);
}

/* Hide number spinners */
.field input[type="number"]::-webkit-outer-spin-button,
.field input[type="number"]::-webkit-inner-spin-button {
	-webkit-appearance: none;
	margin: 0;
}
.field input[type="number"] { -moz-appearance: textfield; appearance: textfield; }

.visually-hidden {
	position: absolute;
	width: 1px;
	height: 1px;
	padding: 0;
	margin: -1px;
	overflow: hidden;
	clip: rect(0, 0, 0, 0);
	border: 0;
}

/* --- Sliders --- */
.field-slider .slider-wrap {
	width: 100%;
	display: flex;
	flex-direction: column;
	align-items: center;
	gap: 0.45rem;
}

.slider-display {
	display: block;
	font-size: 1.05rem;
	font-weight: 600;
	color: var(--gold-light);
	font-variant-numeric: tabular-nums;
	min-height: 1.4rem;
}

.slider-range {
	width: 100%;
	height: 6px;
	-webkit-appearance: none;
	appearance: none;
	background: var(--slider-track);
	border-radius: 999px;
	cursor: pointer;
}

.slider-range::-webkit-slider-thumb {
	-webkit-appearance: none;
	width: 18px;
	height: 18px;
	border-radius: 50%;
	background: linear-gradient(135deg, var(--gold-light), var(--gold));
	box-shadow: 0 2px 10px var(--gold-glow);
	border: 2px solid rgba(255, 255, 255, 0.3);
}

.slider-range::-moz-range-thumb {
	width: 18px;
	height: 18px;
	border-radius: 50%;
	background: linear-gradient(135deg, var(--gold-light), var(--gold));
	box-shadow: 0 2px 10px var(--gold-glow);
	border: 2px solid rgba(255, 255, 255, 0.3);
}

.slider-number {
	font-size: 0.75rem !important;
	padding: 0.35rem 0.5rem !important;
	max-width: 7rem;
	opacity: 0.7;
}

/* --- Segment buttons (replaces dropdown arrows) --- */
.field-segment .segment-group {
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 0.35rem;
	width: 100%;
}

.segment-group-wrap {
	gap: 0.3rem;
}

.segment-btn {
	appearance: none;
	border: 1px solid var(--glass-border);
	background: var(--segment-bg);
	color: var(--text-muted);
	font: inherit;
	font-size: 0.72rem;
	font-weight: 500;
	padding: 0.45rem 0.65rem;
	border-radius: 999px;
	cursor: pointer;
	transition: background 0.2s, color 0.2s, border-color 0.2s;
}

.segment-btn.is-active {
	color: var(--text-on-gold);
	background: linear-gradient(135deg, var(--gold-light), var(--gold));
	border-color: transparent;
	box-shadow: 0 2px 12px var(--gold-glow);
}

.segment-btn:hover:not(.is-active) {
	border-color: rgba(201, 169, 98, 0.4);
	color: var(--text);
}

.field-segment-wrap .segment-btn {
	flex: 1 1 calc(33% - 0.3rem);
	min-width: 4.5rem;
}

/* --- Qualifier scenarios --- */
.scenario-grid {
	display: grid;
	grid-template-columns: repeat(5, minmax(0, 1fr));
	gap: 1rem;
	align-items: stretch;
}

@media (max-width: 1100px) {
	.scenario-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

@media (max-width: 768px) {
	.scenario-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 560px) {
	.scenario-grid { grid-template-columns: 1fr; }
}

.scenario-col {
	display: flex;
	flex-direction: column;
	background: var(--inputs-card-bg);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
	padding: 1.1rem 0.85rem;
	min-height: 100%;
}

.scenario-desc {
	width: 100%;
	margin-bottom: 0.5rem;
	padding-bottom: 0.65rem;
	border-bottom: 1px solid var(--glass-border);
}

.scenario-desc input {
	width: 100%;
	padding: 0.45rem 0.55rem;
	font: inherit;
	font-size: 0.82rem;
	text-align: center;
	color: var(--text);
	background: var(--input-bg);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
}

.scenario-desc label {
	font-size: 0.62rem !important;
}

.client-card {
	margin-bottom: 1.25rem;
}

.form-grid-client {
	max-width: 900px;
	margin: 0 auto;
}

.qualifier-export-bar {
	margin: 1.25rem 0 0.5rem;
	padding: 1rem;
	border-radius: var(--radius-sm);
	border: 1px solid var(--glass-border);
	background: var(--inputs-card-bg);
}

.saved-scenarios-row {
	display: flex;
	flex-wrap: wrap;
	align-items: center;
	justify-content: center;
	gap: 0.5rem 0.75rem;
}

.saved-label {
	font-size: 0.72rem;
	font-weight: 600;
	text-transform: uppercase;
	letter-spacing: 0.06em;
	color: var(--text-muted);
}

.saved-select {
	min-width: min(100%, 280px);
	max-width: 420px;
	padding: 0.45rem 0.65rem;
	font-size: 0.85rem;
}

.qualifier-export-hint {
	margin: 0.75rem 0 0;
	font-size: 0.78rem;
	color: var(--text-muted);
	line-height: 1.45;
}

.actions-qualifier {
	margin-top: 1rem;
}

@media (max-width: 560px) {
	.saved-scenarios-row {
		flex-direction: column;
		align-items: stretch;
	}

	.saved-select {
		max-width: none;
	}
}

.scenario-col h3 {
	margin: 0 0 0.65rem;
	font-size: 0.78rem;
	color: var(--gold-light);
	text-transform: uppercase;
	letter-spacing: 0.1em;
}

.scenario-input {
	width: 100%;
	margin-bottom: 0.75rem;
	padding-bottom: 0.85rem;
	border-bottom: 1px solid var(--glass-border);
}

/* --- Result rows (centered stack) --- */
.result-row {
	display: flex;
	flex-direction: column;
	align-items: center;
	gap: 0.2rem;
	padding: 0.55rem 0.25rem;
	border-bottom: 1px solid var(--glass-border);
	font-size: 0.82rem;
}

.result-row span:first-child {
	color: var(--text-muted);
	font-size: 0.68rem;
	font-weight: 600;
	text-transform: uppercase;
	letter-spacing: 0.06em;
}

.result-row .val {
	color: var(--gold-light);
	font-size: 1rem;
	font-weight: 600;
	font-variant-numeric: tabular-nums;
}

.result-row.highlight {
	margin-top: 0.35rem;
	padding-top: 0.75rem;
	border-top: 1px solid var(--glass-border);
	border-bottom: none;
}

.result-row.highlight .val {
	font-size: 1.1rem;
}

.result-action {
	border-bottom: none;
	padding: 0.65rem 0;
}

.link-btn {
	appearance: none;
	border: none;
	background: none;
	padding: 0;
	font: inherit;
	font-size: 0.82rem;
	font-weight: 500;
	color: var(--gold);
	cursor: pointer;
	text-decoration: underline;
	text-underline-offset: 3px;
}

.link-btn:hover { color: var(--gold-light); }

.hidden { display: none !important; }

/* --- Mortgage compare --- */
.compare-grid {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 1.25rem;
	align-items: stretch;
}

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

.compare-col {
	display: flex;
	flex-direction: column;
	min-height: 100%;
	background: rgba(0, 0, 0, 0.2);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
	padding: 1.25rem 1rem;
}

.compare-col h3 {
	margin: 0 0 1rem;
	font-size: 0.78rem;
	color: var(--gold-light);
	text-transform: uppercase;
	letter-spacing: 0.1em;
}

.compare-col .compare-fields {
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 0.85rem 0.75rem;
	margin-bottom: 0;
	flex: 1;
}

.field-span-2 { grid-column: 1 / -1; }

.compare-col .field label {
	min-height: auto;
	margin-bottom: 0.4rem;
}

.prime-sim {
	margin-top: 0.75rem;
	padding: 0.85rem 0.65rem;
	background: rgba(0, 0, 0, 0.15);
	border: 1px solid rgba(255, 255, 255, 0.06);
	border-radius: var(--radius-sm);
	text-align: center;
}

.prime-sim-label {
	margin: 0 0 0.75rem;
	font-size: 0.68rem;
	font-weight: 600;
	letter-spacing: 0.06em;
	text-transform: uppercase;
	color: var(--text-muted);
}

.prime-sim-grid {
	display: grid;
	grid-template-columns: repeat(4, minmax(0, 1fr));
	gap: 0.5rem;
}

.prime-presets {
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 0.4rem;
	margin-top: 0.75rem;
}

.btn-preset {
	appearance: none;
	border: 1px solid rgba(201, 169, 98, 0.3);
	background: rgba(201, 169, 98, 0.06);
	color: var(--gold-light);
	font: inherit;
	font-size: 0.72rem;
	padding: 0.4rem 0.75rem;
	border-radius: 999px;
	cursor: pointer;
}

.btn-preset:hover { background: rgba(201, 169, 98, 0.14); }

.compare-results {
	margin-top: auto;
	padding-top: 0.85rem;
	border-top: 1px solid var(--glass-border);
}

.compare-schedule-btn {
	display: block;
	width: 100%;
	margin-top: 0.85rem;
	padding: 0.6rem 0.75rem;
	text-align: center;
	text-decoration: none;
	border: 1px solid rgba(201, 169, 98, 0.35);
	border-radius: var(--radius-sm);
	background: rgba(201, 169, 98, 0.08);
}

.compare-schedule-btn:hover {
	background: rgba(201, 169, 98, 0.15);
	color: var(--gold-light);
}

.compare-summary {
	margin-top: 1.25rem;
	padding: 1.1rem;
	background: rgba(201, 169, 98, 0.08);
	border: 1px solid rgba(201, 169, 98, 0.25);
	border-radius: var(--radius-sm);
	text-align: center;
}

.compare-summary h3 {
	margin: 0 0 0.75rem;
	font-size: 0.78rem;
	color: var(--gold-light);
	text-transform: uppercase;
	letter-spacing: 0.08em;
}

.result-warn { color: #ffb4a2; }
.result-warn .val { color: #ffb4a2; }

/* --- Insurance --- */
.insurance-split {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 1.25rem;
	align-items: stretch;
}

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

.insurance-box {
	display: flex;
	flex-direction: column;
	background: rgba(0, 0, 0, 0.2);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
	padding: 1.1rem 0.85rem;
	min-height: 100%;
}

.insurance-box h3 {
	margin: 0 0 0.85rem;
	font-size: 0.75rem;
	color: var(--gold-light);
	text-transform: uppercase;
	letter-spacing: 0.1em;
}

.insurance-box .field {
	margin-bottom: 0.75rem;
}

.insurance-box .result-row:last-child {
	margin-top: auto;
}

/* --- Amortization table --- */
.amort-panel {
	margin-top: 1.5rem;
	padding: 1rem;
	background: rgba(0, 0, 0, 0.25);
	border: 1px solid var(--glass-border);
	border-radius: var(--radius-sm);
	text-align: center;
}

.amort-panel-head {
	display: flex;
	align-items: center;
	justify-content: center;
	gap: 1rem;
	margin-bottom: 0.75rem;
	flex-wrap: wrap;
}

.amort-panel-head h3 {
	margin: 0;
	font-size: 0.9rem;
	color: var(--gold-light);
}

.amort-table-wrap {
	max-height: 420px;
	overflow: auto;
	border-radius: var(--radius-sm);
	border: 1px solid rgba(255, 255, 255, 0.06);
	text-align: right;
}

.amort-table {
	width: 100%;
	border-collapse: collapse;
	font-size: 0.82rem;
	font-variant-numeric: tabular-nums;
}

.amort-table th,
.amort-table td {
	padding: 0.45rem 0.65rem;
	border-bottom: 1px solid var(--glass-border);
}

.amort-table th {
	position: sticky;
	top: 0;
	background: var(--table-head-bg);
	color: var(--text-muted);
	font-weight: 600;
	font-size: 0.68rem;
	text-transform: uppercase;
	letter-spacing: 0.05em;
	text-align: center;
}

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

/* --- Pre-payment --- */
.prep-disclaimer {
	margin: 0 0 1.25rem;
	padding: 0.9rem 1.1rem;
	border-radius: var(--radius);
	border: 1px solid var(--warn-border);
	background: var(--warn-bg);
	font-size: 0.86rem;
	line-height: 1.55;
	color: var(--text-muted);
}

.prep-disclaimer p {
	margin: 0 0 0.5rem;
}

.prep-disclaimer p:last-child {
	margin-bottom: 0;
}

.prep-disclaimer strong {
	color: var(--warn);
	font-weight: 600;
}

.prep-disclaimer-results {
	margin: 1rem 0 0;
	padding-top: 0.85rem;
	border-top: 1px solid var(--warn-border);
	font-size: 0.8rem;
	line-height: 1.5;
	color: var(--text-muted);
	text-align: center;
}

.statement-drop {
	border: 2px dashed rgba(201, 162, 39, 0.35);
	border-radius: var(--radius);
	padding: 1.5rem 1.25rem;
	text-align: center;
	cursor: pointer;
	margin-bottom: 1.25rem;
	transition: border-color 0.2s, background 0.2s;
	background: rgba(201, 162, 39, 0.04);
}

.statement-drop:hover,
.statement-drop.is-dragover {
	border-color: var(--gold);
	background: rgba(201, 162, 39, 0.1);
}

.statement-drop.is-processing { opacity: 0.7; pointer-events: none; }
.statement-drop.is-success { border-color: rgba(72, 187, 120, 0.6); }

.statement-drop-title {
	margin: 0 0 0.35rem;
	font-weight: 600;
	color: var(--text);
}

.statement-drop-sub {
	margin: 0;
	font-size: 0.85rem;
	color: var(--text-muted);
}

.statement-drop-status {
	margin: 0.75rem 0 0;
	font-size: 0.82rem;
	color: var(--gold-light);
}

.lender-info-card {
	margin: 1rem 0 1.25rem;
	padding: 1rem 1.15rem;
	border-radius: var(--radius);
	background: rgba(255, 255, 255, 0.03);
	border: 1px solid var(--glass-border);
	font-size: 0.88rem;
	line-height: 1.5;
}

.lender-info-title {
	margin: 0 0 0.5rem;
	font-weight: 600;
}

.lender-info-cat {
	font-weight: 400;
	color: var(--text-muted);
	font-size: 0.82rem;
}

.lender-info-list {
	margin: 0 0 0.5rem;
	padding-left: 1.1rem;
	color: var(--text-muted);
}

.lender-info-list li { margin-bottom: 0.25rem; }

.lender-note {
	margin: 0;
	font-size: 0.8rem;
	color: var(--text-muted);
	font-style: italic;
}

.lender-info-disclaimer {
	margin: 0.65rem 0 0;
	padding-top: 0.65rem;
	border-top: 1px solid var(--warn-border);
	font-size: 0.78rem;
	color: var(--text-muted);
	font-style: normal;
}

.lender-info-disclaimer strong {
	color: var(--warn);
}

.boc-fetch-row {
	display: grid;
	grid-template-columns: minmax(180px, 220px) minmax(160px, auto) 1fr;
	align-items: end;
	gap: 1rem 1.25rem;
	margin-top: 1rem;
	padding-top: 1rem;
	border-top: 1px solid var(--glass-border);
}

.boc-fetch-row .field {
	margin: 0;
	align-items: stretch;
	text-align: left;
}

.boc-fetch-row .field label {
	min-height: auto;
	margin-bottom: 0.4rem;
	text-align: left;
	justify-content: flex-start;
}

.field-boc-date input {
	width: 100%;
	padding: 0.55rem 0.75rem;
	border-radius: var(--radius-sm);
	border: 1px solid var(--glass-border);
	background: var(--input-bg);
	color: var(--text);
	font: inherit;
}

.field-boc-action {
	display: flex;
	align-items: flex-end;
	justify-content: flex-start;
}

.field-boc-action .btn-ghost-sm {
	width: 100%;
	white-space: nowrap;
}

.field-boc-hint {
	display: flex;
	align-items: center;
	min-height: 2.75rem;
	text-align: left;
}

.boc-fetch-hint {
	font-size: 0.78rem;
	color: var(--text-muted);
	line-height: 1.4;
	text-align: left;
}

@media (max-width: 760px) {
	.boc-fetch-row {
		grid-template-columns: 1fr;
		align-items: stretch;
	}

	.field-boc-action .btn-ghost-sm {
		width: auto;
	}

	.field-boc-hint {
		min-height: auto;
	}
}

.prepay-results {
	margin: 1.25rem 0;
	padding: 1.25rem;
	border-radius: var(--radius);
	background: rgba(201, 162, 39, 0.06);
	border: 1px solid rgba(201, 162, 39, 0.2);
}

.prepay-result-main {
	text-align: center;
	margin-bottom: 1rem;
}

.prepay-result-label {
	display: block;
	font-size: 0.75rem;
	text-transform: uppercase;
	letter-spacing: 0.06em;
	color: var(--text-muted);
}

.prepay-result-value {
	display: block;
	font-size: 2rem;
	font-weight: 700;
	color: var(--gold-light);
	margin: 0.25rem 0;
}

.prepay-result-method {
	display: block;
	font-size: 0.85rem;
	color: var(--text-muted);
}

.prepay-results-grid {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
	gap: 0.5rem 1rem;
}

.prepay-results-grid .result-row {
	display: flex;
	justify-content: space-between;
	gap: 0.5rem;
	font-size: 0.88rem;
	padding: 0.35rem 0;
	border-bottom: 1px solid var(--glass-border);
}

.prepay-results-grid .val {
	font-weight: 600;
	color: var(--text);
}

/* --- Actions --- */
.actions {
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 0.75rem;
	margin-top: 1.5rem;
}

.btn-primary {
	border: none;
	cursor: pointer;
	font: inherit;
	font-weight: 600;
	padding: 0.75rem 2rem;
	border-radius: 999px;
	color: var(--text-on-gold);
	background: linear-gradient(135deg, var(--gold-light), var(--gold));
	box-shadow: 0 4px 24px var(--gold-glow);
}

.btn-ghost {
	border: 1px solid var(--glass-border);
	background: transparent;
	color: var(--text-muted);
	font: inherit;
	padding: 0.75rem 1.5rem;
	border-radius: 999px;
	cursor: pointer;
}

.btn-ghost-sm {
	padding: 0.4rem 0.85rem;
	font-size: 0.82rem;
}

.site-footer {
	margin-top: 2.5rem;
	text-align: center;
	font-size: 0.75rem;
	color: var(--text-muted);
}

@media (max-width: 520px) {
	.compare-col .compare-fields { grid-template-columns: 1fr; }
	.prime-sim-grid { grid-template-columns: repeat(2, 1fr); }
	.glass-card { padding: 1.25rem 1rem; }
}