/* ======================================================== */
/* CALCULATORS.CSS - Complete Styles with Unique Classes
/* IndianDecisions - Financial Calculator Styling
/* ALL CLASSES ARE UNIQUE TO AVOID CONFLICTS
/* ======================================================== */

/* ------------------------------------------------
   1. CALCULATOR HERO SECTION - UNIQUE CLASSES
   Prefix: "clc-" (Calculator)
----------------------------------------------- */
.clc-hero-section {
    padding: 40px 0;
    background: linear-gradient(135deg, var(--color-background-light) 0%, #ffffff 100%);
    border-bottom: 1px solid var(--color-border);
}

.clc-hero-container {
    max-width: var(--max-width-layout);
    margin: 0 auto;
    padding: 0 20px;
}

.clc-hero-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: start;
}

@media (min-width: 992px) {
    .clc-hero-grid {
        grid-template-columns: 1fr 1fr;
    }
}

/* Left Content */
.clc-hero-left {}
.clc-hero-left h1 {
    font-size: clamp(1.8rem, 4vw, 2.2rem);
    margin-bottom: 20px;
    color: var(--color-primary);
    line-height: 1.3;
}

.clc-hero-description {
    font-size: 1.1rem;
    color: var(--color-text-light);
    margin-bottom: 30px;
    line-height: 1.6;
}

/* Trust Badges */
.clc-trust-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 15px;
    margin-top: 30px;
}

.clc-trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background-color: white;
    border-radius: 100px;
    border: 1px solid var(--color-border);
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--color-text-dark);
    box-shadow: var(--shadow-subtle);
    transition: all 0.2s ease;
}

.clc-trust-badge:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}

.clc-trust-badge .material-symbols-outlined {
    font-size: 18px;
    color: var(--color-secondary);
}

/* Calculator Card - Right Side */
.clc-hero-right {
    width: 100%;
}

.clc-calculator-card {
    background-color: white;
    border-radius: var(--border-radius-lg);
    padding: 30px;
    box-shadow: var(--shadow-large);
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}

.clc-calculator-card:hover {
    box-shadow: var(--shadow-large);
    transform: translateY(-2px);
}

.clc-calculator-card h3 {
    font-size: 1.5rem;
    margin-bottom: 25px;
    color: var(--color-primary);
    display: flex;
    align-items: center;
    gap: 10px;
    border-bottom: 2px solid var(--color-border);
    padding-bottom: 15px;
}

/* Input Groups */
.clc-input-group {
    margin-bottom: 25px;
}

.clc-input-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--color-text-dark);
    font-size: 0.95rem;
}

/* Range Slider */
.clc-slider {
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--color-border);
    outline: none;
    -webkit-appearance: none;
    margin-bottom: 15px;
}

.clc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: white;
    border: 2px solid var(--color-secondary);
    cursor: pointer;
    box-shadow: var(--shadow-subtle);
    transition: all 0.2s ease;
}

.clc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    box-shadow: var(--shadow-medium);
}

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

/* Input with Icon */
.clc-input-with-icon {
    position: relative;
    display: flex;
    align-items: center;
}

.clc-input-with-icon .material-symbols-outlined {
    position: absolute;
    left: 12px;
    color: var(--color-text-light);
    font-size: 20px;
    z-index: 1;
}

.clc-calculator-input {
    width: 100%;
    padding: 14px 14px 14px 45px;
    border: 2px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    transition: all 0.2s ease;
    background-color: white;
}

.clc-calculator-input:focus {
    outline: none;
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.clc-calculator-input:hover {
    border-color: var(--color-text-light);
}

.clc-input-hint {
    display: block;
    margin-top: 6px;
    font-size: 0.8rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* Calculator Results */
.clc-result-box {
    display: grid;
    grid-template-columns: 1fr;
    gap: 15px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-background-light) 0%, #ffffff 100%);
    border-radius: var(--border-radius);
    margin: 30px 0 20px;
    border: 1px solid var(--color-border);
}

@media (min-width: 768px) {
    .clc-result-box {
        grid-template-columns: repeat(3, 1fr);
    }
}

.clc-result-item {
    text-align: center;
    padding: 10px;
    position: relative;
}

@media (min-width: 768px) {
    .clc-result-item:not(:last-child)::after {
        content: '';
        position: absolute;
        right: -8px;
        top: 50%;
        transform: translateY(-50%);
        width: 1px;
        height: 40px;
        background-color: var(--color-border);
    }
}

.clc-result-label {
    display: block;
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin-bottom: 5px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.clc-result-value {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-secondary);
    line-height: 1.2;
}

/* Eligibility Indicator */
.clc-eligibility-indicator {
    margin-top: 20px;
}

.clc-eligibility-warning,
.clc-eligibility-info,
.clc-eligibility-success {
    padding: 15px 20px;
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.95rem;
    animation: clcSlideIn 0.3s ease;
}

@keyframes clcSlideIn {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.clc-eligibility-warning {
    background-color: rgba(220, 38, 38, 0.1);
    border-left: 4px solid var(--color-danger);
    color: var(--color-danger);
}

.clc-eligibility-info {
    background-color: rgba(217, 119, 6, 0.1);
    border-left: 4px solid var(--color-warning);
    color: var(--color-warning);
}

.clc-eligibility-success {
    background-color: rgba(22, 163, 74, 0.1);
    border-left: 4px solid var(--color-success);
    color: var(--color-success);
}

.clc-eligibility-warning .material-symbols-outlined,
.clc-eligibility-info .material-symbols-outlined,
.clc-eligibility-success .material-symbols-outlined {
    font-size: 24px;
}

/* ------------------------------------------------
   2. DIRECTORY PAGE STYLES - UNIQUE CLASSES
   Prefix: "dir-" (Directory)
----------------------------------------------- */
.dir-hero-section {
    padding: 60px 0 40px;
    background: linear-gradient(135deg, var(--color-background-light) 0%, #ffffff 100%);
    border-bottom: 1px solid var(--color-border);
}

.dir-hero-container {
    max-width: var(--max-width-layout);
    margin: 0 auto;
    padding: 0 20px;
    text-align: center;
}

.dir-hero-container h1 {
    font-size: clamp(1.8rem, 5vw, 2.5rem);
    margin-bottom: 20px;
    color: var(--color-primary);
}

.dir-hero-description {
    font-size: 1.1rem;
    color: var(--color-text-light);
    margin-bottom: 30px;
    line-height: 1.6;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.dir-stats {
    display: flex;
    justify-content: center;
    gap: 40px;
    margin-bottom: 40px;
}

.dir-stat-item {
    text-align: center;
}

.dir-stat-value {
    display: block;
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--color-secondary);
    line-height: 1.2;
}

.dir-stat-label {
    font-size: 0.9rem;
    color: var(--color-text-muted);
}

.dir-search-box {
    display: flex;
    gap: 10px;
    max-width: 600px;
    margin: 0 auto;
}

.dir-search-input {
    flex: 1;
    padding: 15px 20px;
    border: 2px solid var(--color-border);
    border-radius: var(--border-radius);
    font-size: 1rem;
    transition: all 0.2s ease;
}

.dir-search-input:focus {
    outline: none;
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 3px rgba(30, 64, 175, 0.1);
}

.dir-search-btn {
    padding: 15px 30px;
    white-space: nowrap;
}

/* Category Headers */
.dir-category {
    margin-bottom: 60px;
}

.dir-category-header {
    display: flex;
    align-items: center;
    gap: 20px;
    margin-bottom: 30px;
    padding-bottom: 20px;
    border-bottom: 2px solid var(--color-border);
}

.dir-category-icon {
    width: 60px;
    height: 60px;
    background-color: rgba(30, 64, 175, 0.1);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.dir-category-icon .material-symbols-outlined {
    font-size: 32px;
    color: var(--color-secondary);
}

.dir-category-title h2 {
    margin-bottom: 5px;
    font-size: 1.8rem;
}

.dir-category-title p {
    color: var(--color-text-light);
    font-size: 1rem;
}

/* Calculator Cards Grid */
.dir-cards-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

@media (min-width: 768px) {
    .dir-cards-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 1200px) {
    .dir-cards-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.dir-card {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 20px;
    background-color: white;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
    text-decoration: none;
    color: inherit;
    transition: all 0.2s ease;
    position: relative;
    overflow: hidden;
}

.dir-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}

.dir-card-icon {
    width: 48px;
    height: 48px;
    background-color: rgba(30, 64, 175, 0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.dir-card-icon .material-symbols-outlined {
    font-size: 24px;
    color: var(--color-secondary);
}

.dir-card-content {
    flex: 1;
}

.dir-card-content h3 {
    font-size: 1rem;
    margin-bottom: 5px;
    color: var(--color-primary);
    line-height: 1.4;
}

.dir-card-content p {
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin-bottom: 8px;
    line-height: 1.4;
}

.dir-card-meta {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.dir-badge {
    padding: 2px 8px;
    background-color: var(--color-background-light);
    border-radius: 100px;
    font-size: 0.7rem;
    color: var(--color-text-light);
    border: 1px solid var(--color-border);
}

.dir-badge-popular {
    background-color: rgba(217, 119, 6, 0.1);
    color: var(--color-warning);
    border-color: rgba(217, 119, 6, 0.2);
}

.dir-card-arrow {
    position: absolute;
    right: 15px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-muted);
    transition: all 0.2s ease;
}

.dir-no-results {
    text-align: center;
    padding: 60px 20px;
    background-color: white;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}

.dir-no-results .material-symbols-outlined {
    font-size: 64px;
    color: var(--color-text-muted);
    margin-bottom: 20px;
}

/* ------------------------------------------------
   3. "WHAT IF" SCENARIO CARDS - UNIQUE CLASSES
   Prefix: "wif-"
----------------------------------------------- */
.wif-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

.wif-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
    margin-top: 40px;
}

@media (min-width: 768px) {
    .wif-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.wif-card {
    background-color: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}

.wif-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}

.wif-card h3 {
    font-size: 1.2rem;
    margin-bottom: 20px;
    color: var(--color-primary);
    display: flex;
    align-items: center;
    gap: 8px;
}

.wif-card h3::before {
    content: "⚡";
    font-size: 1.2rem;
}

.wif-slider-container {
    margin-bottom: 20px;
}

.wif-result-box {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.wif-impact-label {
    font-weight: 500;
    color: var(--color-text-light);
}

.wif-impact-value {
    font-weight: 700;
    color: var(--color-secondary);
}

.wif-savings {
    margin-top: 15px;
    padding: 10px;
    background-color: rgba(30, 64, 175, 0.05);
    border-radius: var(--border-radius-sm);
    color: var(--color-secondary);
    font-size: 0.95rem;
    text-align: center;
}

/* ------------------------------------------------
   4. CHARTS SECTION - UNIQUE CLASSES
   Prefix: "chrt-"
----------------------------------------------- */
.chrt-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}

.chrt-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    margin-top: 40px;
}

@media (min-width: 992px) {
    .chrt-grid {
        grid-template-columns: 1fr 1fr;
    }
}

.chrt-card {
    background-color: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-subtle);
}

.chrt-card h3 {
    text-align: center;
    margin-bottom: 25px;
    font-size: 1.2rem;
    color: var(--color-primary);
}

.chrt-container {
    position: relative;
    width: 100%;
    height: 300px;
    margin-bottom: 20px;
}

.chrt-legend {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
}

.chrt-legend-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.95rem;
    color: var(--color-text-dark);
}

.chrt-color-box {
    width: 16px;
    height: 16px;
    border-radius: 4px;
}

.chrt-color-principal {
    background-color: #2563EB;
}

.chrt-color-interest {
    background-color: #16A34A;
}

.chrt-note {
    text-align: center;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    margin-top: 15px;
}

/* ------------------------------------------------
   5. AMORTIZATION TABLE - UNIQUE CLASSES
   Prefix: "amr-"
----------------------------------------------- */
.amr-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

.amr-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}

.amr-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 600px;
}

.amr-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 15px 12px;
    font-weight: 600;
    text-align: right;
}

.amr-table th:first-child {
    text-align: left;
}

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

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

.amr-table tr:nth-child(even) {
    background-color: var(--color-background-light);
}

.amr-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}

.amr-note {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 20px;
    padding: 15px;
    background-color: var(--color-background-light);
    border-radius: var(--border-radius);
    color: var(--color-text-light);
    font-size: 0.9rem;
}

/* ------------------------------------------------
   6. RECOMMENDATION CARD - UNIQUE CLASSES
   Prefix: "rec-"
----------------------------------------------- */
.rec-section {
    padding: var(--spacing-section-mobile) 0;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
}

.rec-card {
    background-color: white;
    border-radius: var(--border-radius-lg);
    padding: 40px;
    display: flex;
    gap: 30px;
    align-items: center;
    box-shadow: var(--shadow-large);
}

.rec-card-warning {
    border-left: 8px solid var(--color-warning);
}

.rec-card-info {
    border-left: 8px solid var(--color-secondary);
}

.rec-card-success {
    border-left: 8px solid var(--color-success);
}

@media (max-width: 768px) {
    .rec-card {
        flex-direction: column;
        text-align: center;
        padding: 30px;
    }
}

.rec-icon {
    width: 80px;
    height: 80px;
    background-color: rgba(30, 64, 175, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.rec-icon .material-symbols-outlined {
    font-size: 48px;
    color: var(--color-secondary);
}

.rec-content h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}

.rec-content p {
    color: var(--color-text-light);
    margin-bottom: 20px;
    line-height: 1.6;
}

.rec-actions {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
}

@media (max-width: 768px) {
    .rec-actions {
        flex-direction: column;
    }
    
    .rec-actions .btn {
        width: 100%;
    }
}

/* ------------------------------------------------
   7. ELIGIBILITY SECTION - UNIQUE CLASSES
   Prefix: "elg-"
----------------------------------------------- */
.elg-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

.elg-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
    margin-top: 40px;
}

@media (min-width: 768px) {
    .elg-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.elg-card {
    background-color: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 30px;
    border: 1px solid var(--color-border);
}

.elg-card h3 {
    color: var(--color-primary);
    margin-bottom: 20px;
    font-size: 1.2rem;
}

.elg-value {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--color-secondary);
    margin-bottom: 15px;
    line-height: 1.2;
}

.elg-card p {
    color: var(--color-text-light);
    margin-bottom: 20px;
    line-height: 1.6;
}

.elg-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--color-secondary);
    font-weight: 600;
    transition: all 0.2s ease;
    text-decoration: none;
}

.elg-link:hover {
    gap: 12px;
    color: var(--color-cta-hover);
}

.elg-progress-container {
    width: 100%;
    height: 10px;
    background-color: var(--color-border);
    border-radius: 5px;
    margin: 20px 0 10px;
    overflow: hidden;
}

.elg-progress-bar {
    height: 100%;
    background-color: var(--color-secondary);
    border-radius: 5px;
    transition: width 0.3s ease;
}

/* ------------------------------------------------
   8. BANK RATES TABLE - UNIQUE CLASSES
   Prefix: "bnk-"
----------------------------------------------- */
.bnk-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}

.bnk-table {
    width: 100%;
    border-collapse: collapse;
    background-color: white;
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--shadow-subtle);
}

.bnk-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 15px 12px;
    font-weight: 600;
    text-align: left;
}

.bnk-table td {
    padding: 15px 12px;
    border-bottom: 1px solid var(--color-border);
}

.bnk-table tr:last-child td {
    border-bottom: none;
}

.bnk-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}

.bnk-rate-cell {
    font-weight: 700;
    color: var(--color-secondary);
}

.bnk-disclaimer {
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* ------------------------------------------------
   9. FACTORS GRID - UNIQUE CLASSES
   Prefix: "fct-"
----------------------------------------------- */
.fct-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

.fct-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 25px;
    margin-top: 40px;
}

@media (min-width: 768px) {
    .fct-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .fct-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.fct-card {
    background-color: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}

.fct-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}

.fct-icon {
    width: 48px;
    height: 48px;
    background-color: rgba(30, 64, 175, 0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.fct-icon .material-symbols-outlined {
    font-size: 24px;
    color: var(--color-secondary);
}

.fct-card h3 {
    margin-bottom: 12px;
    font-size: 1.2rem;
    color: var(--color-primary);
}

.fct-card p {
    color: var(--color-text-light);
    line-height: 1.6;
    font-size: 0.95rem;
}

/* ------------------------------------------------
   10. TIPS SECTION - UNIQUE CLASSES
   Prefix: "tip-"
----------------------------------------------- */
.tip-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}

.tip-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 25px;
    margin-top: 40px;
}

@media (min-width: 768px) {
    .tip-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.tip-card {
    background-color: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-subtle);
    transition: all 0.2s ease;
}

.tip-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.tip-card h3 {
    color: var(--color-primary);
    margin-bottom: 12px;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.tip-card p {
    color: var(--color-text-light);
    line-height: 1.6;
    font-size: 0.95rem;
}

/* ------------------------------------------------
   11. RELATED LINKS - UNIQUE CLASSES
   Prefix: "rel-"
----------------------------------------------- */
.rel-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
    border-top: 1px solid var(--color-border);
}

.rel-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 15px;
    margin-top: 30px;
}

@media (min-width: 768px) {
    .rel-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.rel-card {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 20px;
    background-color: var(--color-background-light);
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
    text-decoration: none;
    color: inherit;
}

.rel-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
    background-color: white;
}

.rel-card .material-symbols-outlined {
    font-size: 32px;
    color: var(--color-secondary);
}

.rel-card h4 {
    margin-bottom: 5px;
    font-size: 1rem;
    color: var(--color-primary);
    font-weight: 600;
}

.rel-card p {
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin: 0;
}

/* ------------------------------------------------
   12. FORMULA SECTION - UNIQUE CLASSES
   Prefix: "frm-"
----------------------------------------------- */
.frm-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

.frm-card {
    max-width: 800px;
    margin: 0 auto;
    background-color: var(--color-background-light);
    border-radius: var(--border-radius-lg);
    padding: 30px;
    border: 1px solid var(--color-border);
}

.frm-formula {
    font-size: 1.2rem;
    font-weight: 600;
    text-align: center;
    color: var(--color-primary);
    margin-bottom: 30px;
    padding: 20px;
    background-color: white;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
    font-family: 'Monaco', 'Menlo', monospace;
    word-break: break-word;
    overflow-x: auto;
    white-space: nowrap;
    -webkit-overflow-scrolling: touch;
}

/* Comparison Table */
.cmp-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.cmp-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.cmp-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 600px;
}
.cmp-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 15px;
    text-align: left;
}
.cmp-table td {
    padding: 12px 15px;
    border-bottom: 1px solid var(--color-border);
}
.cmp-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}
.cmp-highlight {
    font-weight: 700;
    color: var(--color-secondary);
}
.cmp-note {
    margin-top: 15px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* Rate Comparison Cards */
.rate-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.rate-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.rate-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.rate-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}
.rate-card.highlight {
    border: 2px solid var(--color-secondary);
    background: linear-gradient(135deg, white, rgba(30, 64, 175, 0.05));
}
.rate-card h3 {
    font-size: 1.2rem;
    margin-bottom: 15px;
}
.rate-emi {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--color-secondary);
    margin-bottom: 10px;
}
.rate-total {
    font-size: 0.9rem;
    color: var(--color-text-light);
    margin-top: 10px;
}

/* Unique Prepayment Section */
.uniq-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.uniq-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin-top: 30px;
}
.uniq-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.uniq-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}
.uniq-card.highlight {
    background: linear-gradient(135deg, var(--color-background-light), rgba(30, 64, 175, 0.1));
    border-color: var(--color-secondary);
}
.uniq-card h3 {
    font-size: 1.2rem;
    margin-bottom: 20px;
    color: var(--color-primary);
}
.uniq-result {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px solid var(--color-border);
}
.uniq-result:last-of-type {
    border-bottom: none;
}
.uniq-label {
    font-weight: 500;
    color: var(--color-text-light);
}
.uniq-value {
    font-weight: 700;
    color: var(--color-secondary);
}
.uniq-note {
    text-align: center;
    margin-top: 25px;
    font-size: 0.95rem;
    color: var(--color-text-light);
}
.uniq-link {
    color: var(--color-secondary);
    font-weight: 600;
    text-decoration: none;
}
.uniq-link:hover {
    text-decoration: underline;
}
.last-updated {
    text-align: center;
    font-size: 0.85rem;
    color: var(--color-text-muted);
    margin: 10px 0 30px;
}

/* Down Payment Section */
.dwn-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.dwn-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.dwn-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.dwn-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.dwn-card.highlight {
    border: 2px solid var(--color-secondary);
    background: linear-gradient(135deg, var(--color-background-light), rgba(30, 64, 175, 0.05));
}
.dwn-card h3 {
    font-size: 1.2rem;
    margin-bottom: 15px;
    color: var(--color-primary);
}
.dwn-details p {
    margin: 8px 0;
    color: var(--color-text-dark);
}
.dwn-emi {
    font-size: 1.2rem;
    font-weight: 600;
    margin: 15px 0 5px;
}
.dwn-emi span {
    color: var(--color-secondary);
    font-size: 1.4rem;
}
.dwn-note {
    text-align: center;
    margin-top: 25px;
    font-size: 0.95rem;
    color: var(--color-text-light);
}
.dwn-link {
    color: var(--color-secondary);
    font-weight: 600;
}

/* Car Segment Section */
.car-segment-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
/* Bike Chart Section */
.bike-chart-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

/* Rate Grid (already exists, but ensure these styles) */
.rate-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.rate-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.rate-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.rate-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--color-secondary);
}
.rate-card.highlight {
    border: 2px solid var(--color-secondary);
    background: linear-gradient(135deg, white, rgba(30, 64, 175, 0.05));
}
.rate-card h3 {
    font-size: 1.2rem;
    margin-bottom: 15px;
}
.rate-emi {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--color-secondary);
    margin-bottom: 10px;
}
.rate-total {
    font-size: 0.9rem;
    color: var(--color-text-light);
    margin-top: 10px;
}

/* Comparison Section (Before/After) */
.comp-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.comp-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 20px;
    align-items: center;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .comp-grid {
        grid-template-columns: 1fr;
    }
}
.comp-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.comp-card.before {
    border-left: 4px solid var(--color-warning);
}
.comp-card.after {
    border-left: 4px solid var(--color-success);
}
.comp-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.comp-details .comp-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.comp-details .comp-row:last-child {
    border-bottom: none;
}
.comp-details .comp-row.highlight {
    font-weight: 600;
    color: var(--color-primary);
}
.comp-details .comp-row .savings {
    color: var(--color-success);
}
.comp-arrow {
    text-align: center;
    color: var(--color-secondary);
}
.comp-arrow .material-symbols-outlined {
    font-size: 32px;
    display: block;
}
.comp-note {
    text-align: center;
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
}

/* Timing Section (Early vs Late) */
.timing-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.timing-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.timing-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.timing-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.timing-card.highlight {
    border: 2px solid var(--color-secondary);
}
.timing-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 15px;
}
.timing-header.early .material-symbols-outlined {
    color: #f59e0b;
}
.timing-header.optimal .material-symbols-outlined {
    color: var(--color-success);
}
.timing-header.late .material-symbols-outlined {
    color: var(--color-text-muted);
}
.timing-header h3 {
    margin: 0;
    font-size: 1.2rem;
}
.timing-year {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--color-secondary);
    margin-bottom: 15px;
}
.timing-result {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px solid var(--color-border);
}
.timing-note {
    margin-top: 15px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* Penalty Section */
.penalty-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.penalty-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.penalty-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    text-align: center;
    border: 1px solid var(--color-border);
}
.penalty-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.penalty-amount {
    font-size: 1rem;
    margin: 5px 0;
    color: var(--color-text-dark);
}
.penalty-result {
    font-size: 1.2rem;
    font-weight: 700;
    margin-top: 15px;
    padding-top: 15px;
    border-top: 1px solid var(--color-border);
}
.penalty-result.success {
    color: var(--color-success);
}
.penalty-result.warning {
    color: var(--color-warning);
}
.penalty-note {
    text-align: center;
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
}

/* Loan Type Section */
.loantype-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.loantype-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.loantype-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.loantype-card h3 {
    margin-bottom: 10px;
    color: var(--color-primary);
}
.loantype-card p {
    color: var(--color-text-light);
    margin-bottom: 15px;
}
.loantype-result {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.loantype-link {
    display: inline-block;
    margin-top: 15px;
    color: var(--color-secondary);
    font-weight: 600;
    text-decoration: none;
}
.loantype-link:hover {
    text-decoration: underline;
}
/* FOIR Section */
.foir-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.foir-grid {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 20px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .foir-grid {
        grid-template-columns: 1fr;
    }
}
.foir-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.foir-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.foir-formula {
    background: var(--color-background-light);
    padding: 15px;
    border-radius: var(--border-radius-sm);
    font-family: monospace;
    font-size: 1.1rem;
    margin: 15px 0;
}

/* Salary Section */
.salary-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.salary-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.salary-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.salary-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.salary-card.highlight {
    border: 2px solid var(--color-secondary);
}
.salary-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.salary-emi {
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--color-secondary);
    margin-bottom: 10px;
}
.salary-required {
    font-size: 1.1rem;
    margin-bottom: 5px;
}
.salary-required strong {
    color: var(--color-success);
}

/* Self-Employed Section */
.self-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.self-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 20px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .self-grid {
        grid-template-columns: 1fr;
    }
}
.self-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.self-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.self-table {
    width: 100%;
    border-collapse: collapse;
}
.self-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 10px;
    text-align: left;
}
.self-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
}
.self-table tr:last-child td {
    border-bottom: none;
}
.self-list {
    list-style: none;
    padding: 0;
}
.self-list li {
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
    position: relative;
    padding-left: 20px;
}
.self-list li::before {
    content: "•";
    color: var(--color-secondary);
    font-weight: bold;
    position: absolute;
    left: 0;
}

/* DTI Section */
.dti-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.dti-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .dti-grid {
        grid-template-columns: 1fr;
    }
}
.dti-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.dti-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.dti-formula {
    background: white;
    padding: 15px;
    border-radius: var(--border-radius-sm);
    font-family: monospace;
    font-size: 1.1rem;
    margin: 15px 0;
}
.dti-list {
    list-style: none;
    padding: 0;
}
.dti-list li {
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.dti-label {
    font-weight: 600;
    color: var(--color-primary);
    display: inline-block;
    width: 80px;
}
/* Full Comparison Section */
.comp-full-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.comp-full-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .comp-full-grid {
        grid-template-columns: 1fr;
    }
}
.comp-full-card {
    background: white;
    border-radius: var(--border-radius-lg);
    padding: 30px;
    box-shadow: var(--shadow-medium);
}
.comp-full-card.flat {
    border-top: 4px solid var(--color-danger);
}
.comp-full-card.reducing {
    border-top: 4px solid var(--color-success);
}
.comp-full-card h3 {
    margin-bottom: 20px;
    font-size: 1.5rem;
}
.comp-full-details {
    margin-top: 20px;
}
.comp-full-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px dashed var(--color-border);
}
.comp-full-row:last-child {
    border-bottom: none;
}
.interest-high {
    color: var(--color-danger);
    font-weight: 700;
}
.interest-low {
    color: var(--color-success);
    font-weight: 700;
}
.disadvantage {
    color: var(--color-danger);
}
.advantage {
    color: var(--color-success);
}
.comp-full-savings {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
    font-size: 1.2rem;
    text-align: center;
}
.comp-full-savings .material-symbols-outlined {
    font-size: 32px;
}

/* Formula Grid */
.frm-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .frm-grid {
        grid-template-columns: 1fr;
    }
}
.frm-note {
    margin-top: 15px;
    font-size: 0.9rem;
    font-style: italic;
    color: var(--color-text-muted);
}

/* Conversion Section */
.conversion-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.conversion-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.conversion-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.conversion-card h3 {
    text-align: center;
    margin-bottom: 20px;
    color: var(--color-primary);
}
.conversion-item {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px dashed var(--color-border);
}
.conversion-item strong {
    color: var(--color-secondary);
}
.conversion-note {
    text-align: center;
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
}

/* Loan Type Badges */
.loantype-badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 100px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 15px;
}
.loantype-badge.reducing {
    background: rgba(22, 163, 74, 0.1);
    color: var(--color-success);
}
.loantype-badge.warning {
    background: rgba(217, 119, 6, 0.1);
    color: var(--color-warning);
}
.loantype-badge.danger {
    background: rgba(220, 38, 38, 0.1);
    color: var(--color-danger);
}

/* Amortization Grid */
.amr-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 992px) {
    .amr-grid {
        grid-template-columns: 1fr;
    }
}
.amr-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 20px;
    border: 1px solid var(--color-border);
}
.amr-card h3 {
    margin-bottom: 20px;
    font-size: 1.2rem;
    text-align: center;
}

/* Pros & Cons Section */
.proscons-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.proscons-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .proscons-grid {
        grid-template-columns: 1fr;
    }
}
.proscons-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 30px;
    border: 1px solid var(--color-border);
}
.proscons-card.disadvantages {
    border-left: 4px solid var(--color-danger);
}
.proscons-card.advantages {
    border-left: 4px solid var(--color-success);
}
.proscons-card h3 {
    margin-bottom: 20px;
}
.proscons-list {
    list-style: none;
    padding: 0;
}
.proscons-list li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 0;
    border-bottom: 1px dashed var(--color-border);
}
.proscons-list li:last-child {
    border-bottom: none;
}
.proscons-list .material-symbols-outlined {
    font-size: 20px;
}
.disadvantages .material-symbols-outlined {
    color: var(--color-danger);
}
.advantages .material-symbols-outlined {
    color: var(--color-success);
}

/* Table Highlight Colors */
.flat-highlight {
    color: var(--color-danger);
    font-weight: 600;
}
.reducing-highlight {
    color: var(--color-success);
    font-weight: 600;
}
.savings-highlight {
    color: var(--color-secondary);
    font-weight: 700;
}

/* Chart Colors */
.chrt-color-interest-flat {
    background-color: #DC2626;
}
.chrt-color-interest-reducing {
    background-color: #16A34A;
}
/* LTV Section */
.ltv-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.ltv-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .ltv-grid {
        grid-template-columns: 1fr;
    }
}
.ltv-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.ltv-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.ltv-input-group {
    margin-bottom: 15px;
}
.ltv-input-group label {
    display: block;
    margin-bottom: 5px;
    font-weight: 500;
    color: var(--color-text-dark);
}
.ltv-input, .ltv-select {
    width: 100%;
    padding: 10px 12px;
    border: 2px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
}
.ltv-input:focus, .ltv-select:focus {
    outline: none;
    border-color: var(--color-secondary);
}
.ltv-result-box {
    margin-top: 20px;
    padding: 15px;
    background: var(--color-background-light);
    border-radius: var(--border-radius);
}
.ltv-result-item {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.ltv-result-item:last-child {
    border-bottom: none;
}
.ltv-result-item.highlight {
    font-weight: 700;
    color: var(--color-secondary);
}
.ltv-note {
    margin-top: 15px;
    font-size: 0.85rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* Compare Section (Gold vs Personal) */
.compare-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.compare-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .compare-grid {
        grid-template-columns: 1fr;
    }
}
.compare-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.compare-card.gold {
    border-left: 4px solid #FFD700;
}
.compare-card.personal {
    border-left: 4px solid var(--color-secondary);
}
.compare-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.compare-details .compare-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.compare-row.advantage {
    color: var(--color-success);
}
.compare-row.disadvantage {
    color: var(--color-danger);
}
.compare-savings {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-success) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
    flex-wrap: wrap;
    text-align: center;
}

/* Prepayment Section */
.prepay-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.prepay-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.prepay-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.prepay-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.prepay-card.highlight {
    border: 2px solid var(--color-secondary);
}
.prepay-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.prepay-result {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.prepay-result .savings {
    color: var(--color-success);
    font-weight: 700;
}
.prepay-note {
    text-align: center;
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
}
.prepay-link {
    color: var(--color-secondary);
    font-weight: 600;
    text-decoration: none;
}
.prepay-link:hover {
    text-decoration: underline;
}
/* Loan Type DP Section */
.loantype-dp-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.loantype-dp-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.loantype-dp-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.loantype-dp-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.loantype-dp-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
    font-size: 1.2rem;
}
.loantype-dp-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.loantype-dp-row.highlight {
    font-weight: 700;
    color: var(--color-secondary);
}
.loantype-dp-row.savings {
    color: var(--color-success);
}
.loantype-dp-row.savings strong {
    color: var(--color-success);
}

/* Minimum Down Payment Section */
.min-dp-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.min-dp-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .min-dp-grid {
        grid-template-columns: 1fr;
    }
}
.min-dp-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.min-dp-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.ltv-list {
    list-style: none;
    padding: 0;
}
.ltv-list li {
    padding: 12px 0;
    border-bottom: 1px dashed var(--color-border);
    display: flex;
    justify-content: space-between;
}
.ltv-list li span {
    color: var(--color-text-dark);
}
.ltv-list li strong {
    color: var(--color-secondary);
}
.min-dp-note {
    margin-top: 15px;
    font-size: 0.85rem;
    color: var(--color-text-muted);
    font-style: italic;
}

/* Strategy Section */
.strategy-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.strategy-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.strategy-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.strategy-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.strategy-icon {
    width: 48px;
    height: 48px;
    background-color: rgba(30, 64, 175, 0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 15px;
}
.strategy-icon .material-symbols-outlined {
    font-size: 24px;
    color: var(--color-secondary);
}
.strategy-card h3 {
    margin-bottom: 10px;
    color: var(--color-primary);
}
.strategy-card p {
    color: var(--color-text-light);
    line-height: 1.6;
}

/* DP vs Tenure Section */
.dp-vs-tenure-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.dp-vs-tenure-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .dp-vs-tenure-grid {
        grid-template-columns: 1fr;
    }
}
.dp-vs-tenure-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.dp-vs-tenure-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.dp-vs-tenure-row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px dashed var(--color-border);
}
.dp-vs-tenure-row.highlight {
    font-weight: 700;
    color: var(--color-success);
    font-size: 1.1rem;
}
.dp-vs-tenure-conclusion {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    line-height: 1.6;
}
.dp-vs-tenure-conclusion p {
    margin: 0;
    color: white;
}

/* Savings Highlight */
.savings-highlight {
    color: var(--color-success);
    font-weight: 700;
}
/* Loan Type Affordability Section */
.loantype-afford-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.loantype-afford-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.loantype-afford-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.loantype-afford-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.loantype-afford-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
    font-size: 1.2rem;
}
.loantype-afford-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.loantype-afford-row.highlight {
    font-weight: 700;
    color: var(--color-secondary);
    font-size: 1.1rem;
}

/* 28/36 Rule Section */
.rule-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.rule-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .rule-grid {
        grid-template-columns: 1fr;
    }
}
.rule-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.rule-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.rule-value {
    font-size: 2rem;
    font-weight: 700;
    color: var(--color-secondary);
    margin-bottom: 10px;
}
.rule-progress {
    width: 100%;
    height: 10px;
    background-color: var(--color-border);
    border-radius: 5px;
    margin: 15px 0 10px;
    overflow: hidden;
}
.rule-progress-bar {
    height: 100%;
    background-color: var(--color-secondary);
    border-radius: 5px;
    transition: width 0.3s ease;
}
.rule-status {
    font-size: 0.9rem;
    color: var(--color-text-dark);
    margin-top: 10px;
}
.rule-conclusion {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    text-align: center;
}

/* Expense Impact Section */
.expense-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.expense-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.expense-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.expense-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.expense-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.expense-detail {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.expense-detail.highlight {
    font-weight: 700;
    color: var(--color-secondary);
}
/* Loan Type Rate Section */
.loantype-rate-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.loantype-rate-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.loantype-rate-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.loantype-rate-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.loantype-rate-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.loantype-rate-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.loantype-rate-row .rate-range {
    color: var(--color-secondary);
    font-weight: 700;
}

/* Rate vs Tenure Section */
.rate-vs-tenure-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.rate-vs-tenure-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .rate-vs-tenure-grid {
        grid-template-columns: 1fr;
    }
}
.rate-vs-tenure-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.rate-vs-tenure-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.rate-vs-tenure-row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px dashed var(--color-border);
}
.rate-vs-tenure-row.highlight {
    font-weight: 700;
    color: var(--color-success);
    font-size: 1.1rem;
}
.rate-vs-tenure-conclusion {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    line-height: 1.6;
}
.rate-vs-tenure-conclusion p {
    margin: 0;
    color: white;
}

/* Refinance Section */
.refinance-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.refinance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .refinance-grid {
        grid-template-columns: 1fr;
    }
}
.refinance-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.refinance-card.current {
    border-left: 4px solid var(--color-warning);
}
.refinance-card.proposed {
    border-left: 4px solid var(--color-success);
}
.refinance-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.refinance-detail {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.refinance-detail.highlight {
    font-weight: 700;
    color: var(--color-success);
}
.refinance-note {
    margin-top: 20px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    text-align: center;
    font-style: italic;
}

/* Savings Highlight */
.savings-highlight {
    color: var(--color-success);
    font-weight: 700;
}
/* Yearly Summary Table */
.yearly-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.yearly-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.yearly-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 700px;
}
.yearly-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 12px 10px;
    font-weight: 600;
    text-align: right;
}
.yearly-table th:first-child {
    text-align: left;
}
.yearly-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
    text-align: right;
}
.yearly-table td:first-child {
    text-align: left;
    font-weight: 600;
}
.yearly-table tr:nth-child(even) {
    background-color: white;
}
.yearly-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}
.yearly-note {
    margin-top: 15px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    text-align: center;
}

/* Amortization Controls */
.amr-controls {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
    flex-wrap: wrap;
    justify-content: flex-end;
}
.btn-sm {
    padding: 8px 16px;
    font-size: 0.9rem;
}
.btn-sm .material-symbols-outlined {
    font-size: 16px;
    margin-right: 4px;
}
.btn-sm.active {
    background-color: var(--color-secondary);
    color: white;
    border-color: var(--color-secondary);
}

/* Trend Section */
.trend-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.trend-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin-top: 30px;
}
.trend-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.trend-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.trend-bar-container {
    width: 100%;
    height: 40px;
    background-color: var(--color-border);
    border-radius: 20px;
    overflow: hidden;
    margin-bottom: 15px;
    display: flex;
}
.trend-bar-interest {
    height: 100%;
    background-color: #DC2626;
    color: white;
    font-size: 0.8rem;
    display: flex;
    align-items: center;
    justify-content: center;
}
.trend-bar-principal {
    height: 100%;
    background-color: #16A34A;
    color: white;
    font-size: 0.8rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Table enhancements */
.amr-table th, .yearly-table th {
    position: sticky;
    top: 0;
    z-index: 10;
}
.amr-table-responsive, .yearly-table-responsive {
    max-height: 500px;
    overflow-y: auto;
}
/* Moratorium Section */
.moratorium-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.moratorium-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
    margin-top: 30px;
}
.moratorium-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.moratorium-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.moratorium-highlight {
    background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-primary) 100%);
    color: white;
    padding: 15px;
    border-radius: var(--border-radius-sm);
    margin-top: 15px;
    font-family: monospace;
    text-align: center;
}
.moratorium-example {
    background: rgba(30, 64, 175, 0.05);
    padding: 15px;
    border-radius: var(--border-radius-sm);
    margin-top: 15px;
    border-left: 4px solid var(--color-secondary);
}
.moratorium-link {
    display: inline-block;
    margin-top: 15px;
    color: var(--color-secondary);
    font-weight: 600;
    text-decoration: none;
}
.moratorium-link:hover {
    text-decoration: underline;
}

/* Compare Section (India vs Abroad) */
.compare-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.compare-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .compare-grid {
        grid-template-columns: 1fr;
    }
}
.compare-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.compare-card.india {
    border-left: 4px solid #FF9933;
}
.compare-card.abroad {
    border-left: 4px solid #128807;
}
.compare-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.compare-list {
    list-style: none;
    padding: 0;
}
.compare-list li {
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
    display: flex;
    gap: 10px;
}
.compare-list li strong {
    min-width: 100px;
    color: var(--color-primary);
}
.compare-note {
    margin-top: 25px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    line-height: 1.6;
}
.compare-note p {
    margin: 0;
    color: white;
}

/* Yearly Table Enhancements */
.yearly-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.yearly-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.yearly-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 700px;
}
.yearly-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 12px 10px;
    font-weight: 600;
    text-align: right;
}
.yearly-table th:first-child {
    text-align: left;
}
.yearly-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
    text-align: right;
}
.yearly-table td:first-child {
    text-align: left;
    font-weight: 600;
}
.yearly-table tr:nth-child(even) {
    background-color: var(--color-background-light);
}
.yearly-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}
/* Business Loan Types Section */
.loantype-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

/* Compare Section (Term vs Working Capital) */
.compare-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.compare-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .compare-grid {
        grid-template-columns: 1fr;
    }
}
.compare-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.compare-card.term {
    border-left: 4px solid #2563EB;
}
.compare-card.working {
    border-left: 4px solid #F59E0B;
}
.compare-card h3 {
    margin-bottom: 20px;
    color: var(--color-primary);
}
.compare-list {
    list-style: none;
    padding: 0;
}
.compare-list li {
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
    display: flex;
    gap: 10px;
}
.compare-list li strong {
    min-width: 120px;
    color: var(--color-primary);
}
.compare-note {
    margin-top: 25px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    line-height: 1.6;
}
.compare-note p {
    margin: 0;
    color: white;
}

/* Yearly Table Enhancements */
.yearly-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.yearly-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.yearly-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 700px;
}
.yearly-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 12px 10px;
    font-weight: 600;
    text-align: right;
}
.yearly-table th:first-child {
    text-align: left;
}
.yearly-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
    text-align: right;
}
.yearly-table td:first-child {
    text-align: left;
    font-weight: 600;
}
.yearly-table tr:nth-child(even) {
    background-color: var(--color-background-light);
}
.yearly-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}

/* Amortization Controls */
.amr-controls {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
    flex-wrap: wrap;
    justify-content: flex-end;
}
.btn-sm {
    padding: 8px 16px;
    font-size: 0.9rem;
}
.btn-sm.active {
    background-color: var(--color-secondary);
    color: white;
    border-color: var(--color-secondary);
}

/* Table Responsive */
.amr-table-responsive {
    overflow-x: auto;
    max-height: 500px;
    overflow-y: auto;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.amr-table th {
    position: sticky;
    top: 0;
    z-index: 10;
}
/* Savings Comparison Section */
.savings-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.savings-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 20px;
    align-items: center;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .savings-grid {
        grid-template-columns: 1fr;
    }
}
.savings-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.savings-card.vs {
    background: transparent;
    border: none;
    display: flex;
    justify-content: center;
    align-items: center;
}
.vs-badge {
    background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-primary) 100%);
    color: white;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.2rem;
}
.savings-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.savings-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.savings-row:last-child {
    border-bottom: none;
}
.savings-highlight {
    margin-top: 30px;
    text-align: center;
    padding: 20px;
    background: white;
    border-radius: var(--border-radius);
    border: 2px solid var(--color-success);
}
.savings-badge {
    display: inline-block;
    background: var(--color-success);
    color: white;
    padding: 10px 30px;
    border-radius: 50px;
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 15px;
}

/* Negative/Positive values in table */
.negative {
    color: var(--color-danger);
    font-weight: 600;
}
.positive {
    color: var(--color-success);
    font-weight: 600;
}

/* Yearly Table Enhancements */
.yearly-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.yearly-table-responsive {
    overflow-x: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.yearly-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 600px;
}
.yearly-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 12px 10px;
    font-weight: 600;
    text-align: right;
}
.yearly-table th:first-child {
    text-align: left;
}
.yearly-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
    text-align: right;
}
.yearly-table td:first-child {
    text-align: left;
    font-weight: 600;
}
.yearly-table tr:nth-child(even) {
    background-color: var(--color-background-light);
}
.yearly-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}
.yearly-note {
    margin-top: 15px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    text-align: center;
}

/* Amortization Controls */
.amr-controls {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
    flex-wrap: wrap;
    justify-content: flex-end;
}
.btn-sm {
    padding: 8px 16px;
    font-size: 0.9rem;
}
.btn-sm.active {
    background-color: var(--color-secondary);
    color: white;
    border-color: var(--color-secondary);
}
/* Savings Analysis Section */
.savings-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.savings-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 30px;
}
@media (max-width: 992px) {
    .savings-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (max-width: 768px) {
    .savings-grid {
        grid-template-columns: 1fr;
    }
}
.savings-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
    transition: all 0.2s ease;
}
.savings-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
}
.savings-card.highlight {
    border: 2px solid var(--color-secondary);
    background: linear-gradient(135deg, white, rgba(30, 64, 175, 0.05));
    transform: scale(1.02);
}
.savings-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
    text-align: center;
}
.savings-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.savings-row.highlight-row {
    font-weight: 700;
    color: var(--color-secondary);
}
.savings-analysis {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .savings-analysis {
        grid-template-columns: 1fr;
    }
}
.analysis-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 20px;
    border: 1px solid var(--color-border);
    text-align: center;
}
.analysis-card h4 {
    margin-bottom: 10px;
    color: var(--color-primary);
}
.analysis-card p {
    margin: 5px 0;
}
.analysis-card .verdict {
    font-weight: 700;
    color: var(--color-success);
    margin-top: 10px;
}
.savings-conclusion {
    margin-top: 30px;
    padding: 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--border-radius);
    color: white;
    text-align: center;
    line-height: 1.6;
}
.savings-conclusion p {
    margin: 0;
    color: white;
    font-size: 1.1rem;
}

/* Info class for table cells */
.info {
    color: var(--color-secondary);
    font-weight: 500;
}

/* Yearly Table Enhancements */
.yearly-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.yearly-table-responsive {
    overflow-x: auto;
    max-height: 500px;
    overflow-y: auto;
    margin-top: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--color-border);
}
.yearly-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    min-width: 700px;
}
.yearly-table th {
    background-color: var(--color-primary);
    color: white;
    padding: 12px 10px;
    font-weight: 600;
    text-align: right;
    position: sticky;
    top: 0;
    z-index: 10;
}
.yearly-table th:first-child {
    text-align: left;
}
.yearly-table td {
    padding: 10px;
    border-bottom: 1px solid var(--color-border);
    text-align: right;
}
.yearly-table td:first-child {
    text-align: left;
    font-weight: 600;
}
.yearly-table tr:nth-child(even) {
    background-color: var(--color-background-light);
}
.yearly-table tr:hover {
    background-color: rgba(30, 64, 175, 0.05);
}
.yearly-note {
    margin-top: 15px;
    font-size: 0.9rem;
    color: var(--color-text-muted);
    text-align: center;
}
/* True Cost Section */
.truecost-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}
.truecost-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .truecost-grid {
        grid-template-columns: 1fr;
    }
}
.truecost-card {
    background: var(--color-background-light);
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.truecost-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.truecost-list {
    list-style: none;
    padding: 0;
}
.truecost-list li {
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.truecost-list .highlight {
    font-weight: 700;
    color: var(--color-success);
}
.truecost-formula {
    background: white;
    padding: 15px;
    border-radius: var(--border-radius-sm);
    font-family: monospace;
    margin: 15px 0;
}
.truecost-formula p {
    margin: 5px 0;
}
.truecost-note {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-danger);
    text-align: center;
}

/* GST Section */
.gst-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: var(--color-background-light);
}
.gst-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin-top: 30px;
}
@media (max-width: 768px) {
    .gst-grid {
        grid-template-columns: 1fr;
    }
}
.gst-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    border: 1px solid var(--color-border);
}
.gst-card.highlight {
    border: 2px solid var(--color-secondary);
}
.gst-card h3 {
    margin-bottom: 15px;
    color: var(--color-primary);
}
.gst-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed var(--color-border);
}
.gst-row.highlight-row {
    font-weight: 700;
    color: var(--color-secondary);
}
.gst-note {
    margin-top: 20px;
    font-size: 0.95rem;
    color: var(--color-text-muted);
    text-align: center;
}

/* Amount Section */
.amount-section {
    padding: var(--spacing-section-mobile) 0;
    background-color: white;
}

/* Chart Colors */
.chrt-color-fee {
    background-color: #DC2626;
}

/* Amortization Table with extra column */
.amr-table th, .amr-table td {
    padding: 8px 6px;
    font-size: 0.9rem;
}
.amr-table th:last-child, .amr-table td:last-child {
    background-color: rgba(220, 38, 38, 0.05);
    font-weight: 500;
}

@media (min-width: 768px) {
    .frm-formula {
        font-size: 1.5rem;
        white-space: normal;
        overflow-x: visible;
    }
}

.frm-formula sup, .frm-formula sub {
    font-size: 0.8rem;
}

.frm-variables {
    display: grid;
    grid-template-columns: 1fr;
    gap: 15px;
    margin-bottom: 30px;
}

@media (min-width: 768px) {
    .frm-variables {
        grid-template-columns: repeat(3, 1fr);
    }
}

.frm-variables p {
    padding: 12px 15px;
    background-color: white;
    border-radius: var(--border-radius-sm);
    border: 1px solid var(--color-border);
    font-size: 0.95rem;
}

.frm-example {
    border-top: 1px solid var(--color-border);
    padding-top: 25px;
}

.frm-example h3 {
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.frm-example ul {
    margin: 15px 0 15px 20px;
    color: var(--color-text-light);
}

.frm-example .frm-highlight {
    background-color: rgba(30, 64, 175, 0.05);
    padding: 15px;
    border-radius: var(--border-radius);
    font-weight: 500;
    color: var(--color-secondary);
    list-style: none;
    margin-left: 0;
}

/* ------------------------------------------------
   13. MOBILE RESPONSIVE OVERRIDES
----------------------------------------------- */
@media (max-width: 768px) {
    .clc-hero-section,
    .wif-section,
    .chrt-section,
    .amr-section,
    .rec-section,
    .elg-section,
    .bnk-section,
    .fct-section,
    .tip-section,
    .rel-section,
    .frm-section {
        padding: 40px 0;
    }
    
    .clc-calculator-card {
        padding: 20px;
    }
    
    .clc-calculator-card h3 {
        font-size: 1.3rem;
        margin-bottom: 20px;
    }
    
    .chrt-container {
        height: 250px;
    }
    
    .dir-hero-section {
        padding: 40px 0 30px;
    }
    
    .dir-stats {
        gap: 20px;
        flex-wrap: wrap;
    }
    
    .dir-stat-value {
        font-size: 1.4rem;
    }
    
    .dir-search-box {
        flex-direction: column;
    }
    
    .elg-value {
        font-size: 2rem;
    }
    
    .frm-formula {
        font-size: 1rem;
        padding: 15px;
    }
}

@media (max-width: 480px) {
    .clc-hero-left h1 {
        font-size: 1.5rem;
    }
    
    .clc-hero-description {
        font-size: 1rem;
    }
    
    .clc-calculator-card {
        padding: 15px;
    }
    
    .clc-calculator-card h3 {
        font-size: 1.2rem;
    }
    
    .clc-input-group label {
        font-size: 0.9rem;
    }
    
    .clc-calculator-input {
        padding: 12px 12px 12px 40px;
        font-size: 0.95rem;
    }
    
    .clc-trust-badge {
        padding: 4px 10px;
        font-size: 0.75rem;
    }
    
    .clc-result-value {
        font-size: 1.2rem;
    }
    
    .elg-value {
        font-size: 1.8rem;
    }
    
    .fct-card,
    .tip-card,
    .rel-card {
        padding: 15px;
    }
    
    .dir-hero-container h1 {
        font-size: 1.5rem;
    }
    
    .dir-hero-description {
        font-size: 0.95rem;
    }
    
    .frm-formula {
        font-size: 0.9rem;
        padding: 12px;
    }
}

/* Print Styles */
@media print {
    .clc-hero-section,
    .wif-section,
    .chrt-section,
    .amr-section,
    .rec-section,
    .elg-section,
    .bnk-section,
    .fct-section,
    .tip-section {
        break-inside: avoid;
    }
    
    .clc-calculator-card {
        box-shadow: none;
        border: 1px solid #000;
    }
}