/* ==========================================================================
   Calculator pages (borrowing power, stamp duty, refinance).
   Tool styles moved from resources.html and scoped to .calc so they
   don't clash with css/loan-page.css.
   ========================================================================== */
.calc {
  --terracotta: #455a8c; --terracotta-light: #7289a8; --terracotta-pale: #dce4f2;
  --forest: #2d5a3d; --forest-light: #3d7a54; --forest-pale: #eaf2ed;
  --ink-light: #8a847e; --radius-sm: 6px;
}
.calc .tool-card h2, .calc .stamp-card h2 { font-family: 'Lora', serif; font-weight: 600; line-height: 1.2; }
.calc h3, .calc h4 { font-family: 'Lora', serif; font-weight: 600; }
.calc .tool-card, .calc .stamp-card, .calc .aside, .calc .lead-panel { background: var(--terracotta-pale); border-radius: var(--radius-lg); border: 1px solid rgba(117,132,161,0.3); padding: 26px; box-shadow: 0 28px 70px rgba(28,26,23,0.08); max-width: 740px; width: 100%; }
.calc .tool-card h2, .calc .stamp-card h2 { margin-bottom: 16px; font-size: clamp(24px, 2.4vw, 34px); }
.calc .tool-card p, .calc .stamp-card p { color: var(--ink-mid); margin-bottom: 20px; font-size: 0.94rem; }
.calc .tools-column { display: grid; gap: 20px; }
.calc .tool-grid { display: grid; gap: 14px; }
.calc .field { display: grid; gap: 8px; }
.calc .hidden-field { display: none; }
.calc label { font-size: 14px; font-weight: 600; color: var(--ink); }
.calc input, .calc select { width: 100%; padding: 14px 16px; border-radius: var(--radius-sm); border: 1.5px solid rgba(226,217,204,0.95); background: white; color: var(--ink); font-size: 14px; outline: none; transition: border-color 0.25s, box-shadow 0.25s, transform 0.25s; box-shadow: inset 0 1px 3px rgba(0,0,0,0.04); }
.calc input:focus, .calc select:focus { border-color: var(--terracotta); background: #fff; box-shadow: 0 0 0 4px rgba(117,132,161,0.12); transform: translateY(-0.5px); }
.calc .btn-primary { background: var(--terracotta); color: white; padding: 12px 22px; border: none; border-radius: 100px; font-size: 14px; font-weight: 600; cursor: pointer; display: inline-block; transition: background 0.2s, transform 0.18s, box-shadow 0.2s; margin-top: 14px; box-shadow: 0 12px 28px rgba(69,90,140,0.18); }
.calc .btn-primary:hover { background: var(--terracotta-light); transform: translateY(-2px); box-shadow: 0 16px 32px rgba(69,90,140,0.22); }
.calc .btn-primary:focus-visible { outline: 3px solid rgba(69,90,140,0.35); outline-offset: 3px; }
.calc .result-panel { margin-top: 24px; background: linear-gradient(180deg, rgba(39,52,62,0.98), rgba(28,39,51,0.96)); border-radius: var(--radius-md); color: white; padding: 24px; border: 1px solid rgba(255,255,255,0.12); box-shadow: inset 0 0 0 1px rgba(255,255,255,0.02), 0 20px 50px rgba(23,33,45,0.24); }
.calc .summary-grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); margin: 18px 0; }
.calc .summary-card { background: rgba(255,255,255,0.10); border: 1px solid rgba(255,255,255,0.16); border-radius: var(--radius-sm); padding: 16px; box-shadow: inset 0 1px 0 rgba(255,255,255,0.08); }
.calc .summary-card h4 { margin-bottom: 8px; font-size: 0.95rem; }
.calc .breakdown-table { margin-top: 18px; background: rgba(255,255,255,0.08); border-radius: var(--radius-sm); padding: 18px; }
.calc .breakdown-table table { width: 100%; border-collapse: collapse; margin-top: 8px; }
.calc .breakdown-table th, .calc .breakdown-table td { padding: 10px 8px; text-align: left; border-bottom: 1px solid rgba(255,255,255,0.14); font-size: 0.94rem; }
.calc .breakdown-table th { color: rgba(255,255,255,0.78); font-weight: 600; }
.calc .warning-box { margin-top: 16px; padding: 14px; border-radius: var(--radius-sm); background: rgba(255, 213, 128, 0.16); color: #fff0d9; border: 1px solid rgba(255, 213, 128, 0.35); }
.calc .field-grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.calc .field-grid .field { margin-bottom: 0; }
.calc .field-hint { font-size: 13px; color: var(--ink-light); margin-top: 4px; line-height: 1.5; }
.calc .lead-panel { margin-top: 24px; }
.calc .lead-panel h4 { margin-bottom: 12px; font-size: 18px; color: var(--ink); }
.calc .lead-panel p { margin-bottom: 18px; color: var(--ink-mid); }
.calc .result-panel h3 { font-size: 22px; margin-bottom: 14px; }
.calc .result-panel p { color: rgba(255,255,255,0.88); line-height: 1.7; }
.calc .result-amount { font-family: 'Lora', serif; font-size: 36px; font-weight: 700; margin: 16px 0; color: #fff; }
.calc .result-note { font-size: 14px; color: rgba(255,255,255,0.75); }
/* Currency prefix styles */
.calc .currency-wrap { position: relative; }
.calc .currency-prefix { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--ink-mid); font-weight: 600; pointer-events: none; }
.calc input.currency { padding-left: 34px; }

/* Borrowing power calculator */
.calc .applicant-block { border: 1px solid var(--sand-border); border-radius: var(--radius-md); padding: 16px; margin-bottom: 16px; background: rgba(255,255,255,0.55); }
.calc .applicant-block h4 { font-family: 'Lora', serif; font-size: 16px; margin-bottom: 10px; color: var(--ink); }
.calc .income-row { display: grid; grid-template-columns: 1.3fr 1fr 0.8fr; gap: 10px; align-items: end; margin-bottom: 10px; }
.calc .income-row .field { margin-bottom: 0; }
.calc .hecs-check { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: var(--ink-mid); margin-top: 6px; }
.calc .hecs-check input { width: auto; }
.calc .btn-secondary { background: var(--forest-pale); border: 1px solid rgba(45,90,61,0.4); color: var(--forest); padding: 9px 18px; border-radius: 100px; font-size: 13px; font-weight: 600; cursor: pointer; margin-top: 4px; transition: background 0.2s; }
.calc .btn-secondary:hover { background: #dcefe3; }
.calc .liability-row { display: grid; grid-template-columns: 1.1fr 1fr 1fr 0.8fr auto; gap: 10px; align-items: end; padding: 12px 0; border-bottom: 1px solid var(--sand-border); }
.calc .liability-row .field { margin-bottom: 0; }
.calc .btn-remove { background: none; border: 1px solid #b5453a; color: #b5453a; border-radius: 8px; padding: 8px 10px; font-size: 12px; cursor: pointer; height: fit-content; }
.calc .bp-radio-row { display: flex; flex-direction: column; gap: 8px; margin-top: 6px; }
.calc .bp-radio-row label { display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 500; color: var(--ink); }
.calc .bp-radio-row input { width: auto; }
.calc .verdict { padding: 14px 16px; border-radius: var(--radius-sm); font-weight: 700; margin-bottom: 18px; font-size: 0.95rem; }
.calc .verdict.good { background: rgba(45,90,61,0.14); color: var(--forest); border: 1px solid rgba(45,90,61,0.32); }
.calc .verdict.marginal { background: rgba(200,138,16,0.14); color: #8a5c0a; border: 1px solid rgba(200,138,16,0.35); }
.calc .verdict.bad { background: rgba(181,69,58,0.12); color: #b5453a; border: 1px solid rgba(181,69,58,0.32); }
.calc .verdict.info { background: rgba(69,90,140,0.12); color: var(--terracotta); border: 1px solid rgba(69,90,140,0.3); }
.calc .bp-headline { text-align: center; background: linear-gradient(180deg, rgba(39,52,62,0.98), rgba(28,39,51,0.96)); border-radius: var(--radius-md); padding: 22px; margin-bottom: 20px; color: #fff; }
.calc .bp-headline-label { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.75; margin-bottom: 6px; }
.calc .bp-headline-value { font-family: 'Lora', serif; font-size: 34px; font-weight: 700; color: #7ee6c8; }
.calc .stepper { display: flex; align-items: center; margin: 18px 0 6px; }
.calc .step-dot { width: 26px; height: 26px; border-radius: 50%; background: var(--sand-dark); border: 1.5px solid var(--sand-border); color: var(--ink-mid); font-size: 12px; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all 0.2s; }
.calc .step-dot.done { background: var(--forest); border-color: var(--forest); color: #fff; }
.calc .step-dot.current { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }
.calc .step-line { flex: 1; height: 2px; background: var(--sand-border); margin: 0 6px; position: relative; }
.calc .step-line-fill { position: absolute; inset: 0; background: var(--forest); width: 0%; transition: width 0.3s; }
.calc .step-labels { display: flex; justify-content: space-between; font-size: 11.5px; color: var(--ink-light); margin-bottom: 22px; }
.calc .step-panel { display: none; }
.calc .step-panel.active { display: block; animation: bp-fade 0.25s ease; }
@keyframes bp-fade { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: none; } }
.calc .step-nav { display: flex; justify-content: space-between; margin-top: 22px; }
.calc .btn-ghost { background: transparent; border: 1.5px solid rgba(117,132,161,0.4); color: var(--ink); padding: 12px 22px; border-radius: 100px; font-size: 14px; font-weight: 600; cursor: pointer; transition: border-color 0.2s, color 0.2s; }
.calc .btn-ghost:hover { border-color: var(--terracotta); color: var(--terracotta); }
.calc .btn-ghost:disabled { opacity: 0.35; cursor: default; }
.calc .btn-ghost:disabled:hover { border-color: rgba(117,132,161,0.4); color: var(--ink); }
@media (max-width: 640px) {
  .calc .income-row, .calc .liability-row { grid-template-columns: 1fr; }
}

/* Next step under each calculator */
.calc-next { margin-top: 20px; padding: 18px 20px; border: 1px solid var(--sand-border); border-radius: var(--radius-md); background: #fff; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; }
.calc-next p { margin: 0; color: var(--ink-mid); font-size: 15px; flex: 1 1 320px; }
.calc-next strong { color: var(--ink); }
.calc .tool-card, .calc .stamp-card { max-width: none; }
.calc .summary-card div { font-family: 'Lora', serif; font-size: 22px; font-weight: 600; }
.calc .breakdown-table th { width: 60%; }
.calc .field-grid .field { align-content: start; }
.calc .bp-form-wrap { margin: 4px 0 10px; border-radius: var(--radius-md); overflow: hidden; background: #fff; }
.calc .bp-form-wrap iframe { height: 900px; }
.calc #bp-tool-card, .calc #rc-tool-card { scroll-margin-top: 84px; }
.calc .result-panel .verdict.info { color: #d3ddf3; background: rgba(220,228,242,0.10); border-color: rgba(220,228,242,0.28); }
.calc .result-panel .verdict.good { color: #a8e6bd; background: rgba(168,230,189,0.10); border-color: rgba(168,230,189,0.3); }
.calc .result-panel .verdict.marginal { color: #ffd98a; background: rgba(255,217,138,0.10); border-color: rgba(255,217,138,0.3); }
.calc .result-panel .verdict.bad { color: #ffb8ad; background: rgba(255,184,173,0.10); border-color: rgba(255,184,173,0.3); }
/* Calculator hub (resources.html) */
.calc-hub { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.calc-hub a { display: block; padding: 24px; border: 1px solid var(--sand-border); border-radius: var(--radius-lg); background: #fff; text-decoration: none; color: var(--ink); transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s; }
.calc-hub a:hover { border-color: var(--brand); transform: translateY(-2px); box-shadow: 0 16px 40px rgba(28,26,23,0.08); }
.calc-hub h2 { font-family: 'Lora', serif; font-size: 22px; font-weight: 600; margin-bottom: 8px; }
.lp-section .calc-hub h2 { font-size: 22px; }
.calc-hub p { color: var(--ink-mid); font-size: 15px; margin-bottom: 14px; }
.calc-hub span { color: var(--brand); font-weight: 600; font-size: 14px; }