/* ═══════════════════════════════════════════════════════
   DESIGN TOKENS & RESET
═══════════════════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;

  /* Palette — deep slate + warm gold accent */
  --color-bg:           #f6f5f2;
  --color-surface:      #ffffff;
  --color-surface-2:    #f0ede8;
  --color-border:       #e2ddd6;
  --color-border-focus: #c5813a;

  --color-text:         #1a1713;
  --color-text-2:       #5a5248;
  --color-text-3:       #8a8278;

  --color-accent:       #c5813a;
  --color-accent-light: #fdf3e7;
  --color-accent-dark:  #9e6328;

  --color-success:      #2d7a4a;
  --color-success-bg:   #edf7f1;
  --color-info:         #1d6fa8;
  --color-info-bg:      #eaf4fb;
  --color-danger:       #b83232;
  --color-danger-bg:    #fdf0f0;

  --color-principal:    #c5813a;
  --color-interest:     #2d7a4a;
  --color-contrib:      #1d6fa8;

  --radius-sm:  6px;
  --radius-md:  10px;
  --radius-lg:  16px;
  --radius-xl:  24px;

  --shadow-sm:  0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.04);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.10), 0 4px 12px rgba(0,0,0,.05);

  --max-content: 780px;
  --max-page:    1180px;

  --transition: 0.18s ease;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; }
a { color: var(--color-accent); text-decoration: none; }
a:hover { text-decoration: underline; }
code {
  font-family: 'Menlo', 'Consolas', monospace;
  font-size: .875em;
  background: var(--color-surface-2);
  padding: .1em .35em;
  border-radius: 3px;
  color: var(--color-accent-dark);
}

/* ═══════════════════════════════════════════════════════
   LAYOUT
═══════════════════════════════════════════════════════ */
.page-wrapper {
  min-height: 100vh;
}

.calc-page-layout {
  width: 100%;
  padding: 0 1rem 4rem;
}

.calc-page-container {
  max-width: var(--max-page);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
}

@media (min-width: 1024px) {
  .calc-page-layout { padding: 0 2rem 5rem; }
  .calc-page-container {
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: 2.5rem;
    align-items: start;
  }
}

.calc-main {
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

/* ═══════════════════════════════════════════════════════
   BREADCRUMB
═══════════════════════════════════════════════════════ */
.breadcrumb {
  padding: 1rem 0 0;
  font-size: .8125rem;
  color: var(--color-text-3);
}
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: .25rem .375rem;
  list-style: none;
  align-items: center;
}
.breadcrumb li + li::before {
  content: '/';
  color: var(--color-border);
  margin-right: .375rem;
}
.breadcrumb a { color: var(--color-text-2); }
.breadcrumb a:hover { color: var(--color-accent); text-decoration: none; }
.breadcrumb [aria-current] { color: var(--color-text-3); }

/* ═══════════════════════════════════════════════════════
   PAGE HEADER
═══════════════════════════════════════════════════════ */
.calc-page-header {
  padding: 2rem 0 0;
}

.calc-category-badge {
  display: inline-flex;
  align-items: center;
  gap: .375rem;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: .3rem .75rem;
  border-radius: 100px;
  text-decoration: none;
  margin-bottom: 1rem;
}
.calc-category-badge:hover { background: #f5e4cc; text-decoration: none; }

.calc-page-title {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 5vw, 2.75rem);
  line-height: 1.15;
  color: var(--color-text);
  margin-bottom: .75rem;
  font-weight: 400;
}

.calc-page-subtitle {
  font-size: 1.0625rem;
  color: var(--color-text-2);
  line-height: 1.6;
  max-width: 640px;
  font-weight: 300;
}

/* ═══════════════════════════════════════════════════════
   CALCULATOR WIDGET CARD
═══════════════════════════════════════════════════════ */
.calc-widget-card {
  background: var(--color-surface);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
}

.calc-widget-header {
  background: linear-gradient(135deg, #1a1713 0%, #2d2620 100%);
  padding: 1.5rem 1.5rem 1.25rem;
  position: relative;
  overflow: hidden;
}
.calc-widget-header::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 150px; height: 150px;
  background: radial-gradient(circle, rgba(197,129,58,.3) 0%, transparent 70%);
  border-radius: 50%;
}
.calc-widget-heading {
  font-family: var(--font-display);
  font-size: 1.375rem;
  font-weight: 400;
  color: #fff;
  position: relative;
  z-index: 1;
}
.calc-widget-subheading {
  font-size: .8125rem;
  color: rgba(255,255,255,.55);
  margin-top: .25rem;
  font-weight: 300;
  position: relative;
  z-index: 1;
}

.calc-body { padding: 1.5rem; }

/* ─── Tab switcher ─────────────────────────────────── */
.calc-tabs {
  display: flex;
  gap: .25rem;
  background: var(--color-surface-2);
  border-radius: var(--radius-md);
  padding: .25rem;
  margin-bottom: 1.5rem;
}
.calc-tab {
  flex: 1;
  padding: .5rem .75rem;
  border-radius: 7px;
  font-size: .8125rem;
  font-weight: 500;
  color: var(--color-text-2);
  background: transparent;
  transition: all var(--transition);
  text-align: center;
  white-space: nowrap;
}
.calc-tab.active {
  background: var(--color-surface);
  color: var(--color-text);
  box-shadow: var(--shadow-sm);
}

/* ─── Input groups ─────────────────────────────────── */
.inputs-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.125rem;
  margin-bottom: 1.25rem;
}
@media (min-width: 560px) {
  .inputs-grid { grid-template-columns: 1fr 1fr; }
}

.input-group { display: flex; flex-direction: column; gap: .375rem; }

.input-label {
  font-size: .8125rem;
  font-weight: 500;
  color: var(--color-text);
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.input-hint {
  font-size: .75rem;
  font-weight: 400;
  color: var(--color-text-3);
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix,
.input-suffix {
  position: absolute;
  font-size: .875rem;
  font-weight: 500;
  color: var(--color-text-3);
  pointer-events: none;
  z-index: 1;
}
.input-prefix { left: .75rem; }
.input-suffix { right: .75rem; }

.calc-input,
.calc-select {
  width: 100%;
  height: 2.75rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: .9375rem;
  color: var(--color-text);
  background: var(--color-surface);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
  -webkit-appearance: none;
  padding: 0 .75rem;
}
.calc-input:focus,
.calc-select:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(197,129,58,.15);
}
.has-prefix .calc-input { padding-left: 2.125rem; }
.has-suffix .calc-input,
.has-suffix .calc-select { padding-right: 2.25rem; }

.calc-select {
  padding-right: 2.25rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238a8278' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right .75rem center;
  cursor: pointer;
}

.input-desc {
  font-size: .75rem;
  color: var(--color-text-3);
  line-height: 1.4;
}

/* Range slider */
.range-row {
  display: flex;
  align-items: center;
  gap: .75rem;
}
.range-row .calc-input[type="range"] {
  flex: 1;
  height: auto;
  padding: 0;
  border: none;
  box-shadow: none;
  background: transparent;
  cursor: pointer;
  accent-color: var(--color-accent);
}
.range-row .calc-input[type="range"]:focus { box-shadow: none; }
.range-value-display {
  min-width: 4.5rem;
  text-align: right;
  font-size: .875rem;
  font-weight: 500;
  color: var(--color-text);
}
.range-value-display input {
  width: 100%;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: .35rem .5rem;
  font-size: .8125rem;
  text-align: right;
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-surface);
}
.range-value-display input:focus {
  outline: none;
  border-color: var(--color-accent);
}

/* Section divider */
.section-divider {
  display: flex;
  align-items: center;
  gap: .75rem;
  margin: 1.25rem 0;
}
.section-divider::before,
.section-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--color-border);
}
.section-divider-label {
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--color-text-3);
  white-space: nowrap;
}

/* Toggle switch */
.toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.toggle-label-text {
  font-size: .8125rem;
  font-weight: 500;
  color: var(--color-text);
}
.toggle-sub {
  font-size: .75rem;
  color: var(--color-text-3);
  font-weight: 400;
}

.toggle-switch {
  position: relative;
  width: 2.5rem;
  height: 1.375rem;
  flex-shrink: 0;
}
.toggle-switch input { opacity: 0; width: 0; height: 0; }
.toggle-slider {
  position: absolute;
  inset: 0;
  background: var(--color-border);
  border-radius: 100px;
  transition: background var(--transition);
  cursor: pointer;
}
.toggle-slider::before {
  content: '';
  position: absolute;
  width: 1rem; height: 1rem;
  left: .1875rem; top: .1875rem;
  background: white;
  border-radius: 50%;
  transition: transform var(--transition);
  box-shadow: 0 1px 3px rgba(0,0,0,.2);
}
.toggle-switch input:checked + .toggle-slider { background: var(--color-accent); }
.toggle-switch input:checked + .toggle-slider::before { transform: translateX(1.125rem); }

.conditional-row {
  display: none;
}
.conditional-row.visible { display: grid; }

/* ─── Calculate Button ──────────────────────────────── */
.calc-submit-btn {
  width: 100%;
  height: 3rem;
  background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
  color: white;
  border-radius: var(--radius-md);
  font-size: 1rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  transition: all var(--transition);
  box-shadow: 0 4px 12px rgba(197,129,58,.35);
  margin-top: 1.5rem;
  letter-spacing: .01em;
}
.calc-submit-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(197,129,58,.45);
}
.calc-submit-btn:active { transform: translateY(0); }

/* ═══════════════════════════════════════════════════════
   RESULTS SECTION
═══════════════════════════════════════════════════════ */
.ci-results {
  margin-top: 1.75rem;
  animation: fadeSlideIn .35s ease;
}

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

.results-summary-bar {
  background: linear-gradient(135deg, #1a1713 0%, #2d2620 100%);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
  color: white;
  position: relative;
  overflow: hidden;
}
.results-summary-bar::after {
  content: '';
  position: absolute;
  bottom: -30px; right: -30px;
  width: 120px; height: 120px;
  background: radial-gradient(circle, rgba(197,129,58,.25) 0%, transparent 70%);
  border-radius: 50%;
}
.rsb-label {
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: rgba(255,255,255,.5);
  font-weight: 600;
  margin-bottom: .25rem;
}
.rsb-value {
  font-family: var(--font-display);
  font-size: clamp(2rem, 6vw, 2.75rem);
  color: #fff;
  line-height: 1;
  position: relative;
  z-index: 1;
}
.rsb-sub {
  font-size: .8125rem;
  color: rgba(255,255,255,.5);
  margin-top: .375rem;
}

.results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
  margin-bottom: 1.25rem;
}
@media (min-width: 560px) {
  .results-grid { grid-template-columns: repeat(3, 1fr); }
}

.result-card {
  background: var(--color-surface-2);
  border-radius: var(--radius-md);
  padding: .875rem 1rem;
  border: 1px solid var(--color-border);
}
.result-label {
  font-size: .75rem;
  color: var(--color-text-3);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .04em;
  display: block;
  margin-bottom: .375rem;
}
.result-value {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-text);
  display: block;
  line-height: 1.2;
}
.result-card.highlight { background: var(--color-success-bg); border-color: #b8dfc6; }
.result-card.highlight .result-value { color: var(--color-success); }

/* Breakdown bar */
.breakdown-section {
  margin-bottom: 1.25rem;
}
.breakdown-heading {
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--color-text-3);
  margin-bottom: .625rem;
}
.breakdown-bar {
  display: flex;
  height: .875rem;
  border-radius: 100px;
  overflow: hidden;
  margin-bottom: .625rem;
  background: var(--color-surface-2);
}
.bar-principal  { background: var(--color-principal); transition: width .5s ease; }
.bar-contrib    { background: var(--color-contrib);   transition: width .5s ease; }
.bar-interest   { background: var(--color-interest);  transition: width .5s ease; }
.breakdown-legend {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem .875rem;
  font-size: .8125rem;
}
.legend-item {
  display: flex;
  align-items: center;
  gap: .375rem;
  color: var(--color-text-2);
}
.legend-dot {
  width: .625rem; height: .625rem;
  border-radius: 50%;
  flex-shrink: 0;
}
.legend-dot.principal { background: var(--color-principal); }
.legend-dot.contrib   { background: var(--color-contrib); }
.legend-dot.interest  { background: var(--color-interest); }

/* Inflation row */
.inflation-result-row {
  background: var(--color-info-bg);
  border: 1px solid #b8d8f0;
  border-radius: var(--radius-md);
  padding: .875rem 1rem;
  display: flex;
  align-items: center;
  gap: .75rem;
  margin-bottom: 1.25rem;
}
.inflation-result-icon { font-size: 1.25rem; flex-shrink: 0; }
.inflation-result-text { flex: 1; font-size: .875rem; color: var(--color-info); }
.inflation-result-value { font-weight: 600; font-size: 1rem; }

/* Chart */
.chart-section { margin-bottom: 1.25rem; }
.chart-section canvas {
  width: 100% !important;
  max-height: 260px;
}

/* Year-by-year table */
.table-section { margin-top: .5rem; }
.table-toggle-btn {
  display: flex;
  align-items: center;
  gap: .5rem;
  background: transparent;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: .625rem 1rem;
  font-size: .875rem;
  font-weight: 500;
  color: var(--color-text-2);
  width: 100%;
  justify-content: center;
  transition: all var(--transition);
}
.table-toggle-btn:hover { border-color: var(--color-accent); color: var(--color-accent); }

.schedule-table-wrap {
  margin-top: 1rem;
  overflow-x: auto;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}
.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .8125rem;
  min-width: 480px;
}
.schedule-table th {
  background: var(--color-surface-2);
  padding: .625rem .875rem;
  text-align: right;
  font-weight: 600;
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--color-text-3);
  border-bottom: 1px solid var(--color-border);
  white-space: nowrap;
}
.schedule-table th:first-child { text-align: left; }
.schedule-table td {
  padding: .5rem .875rem;
  text-align: right;
  border-bottom: 1px solid var(--color-border);
  color: var(--color-text);
}
.schedule-table td:first-child { text-align: left; font-weight: 500; color: var(--color-text-2); }
.schedule-table tr:last-child td { border-bottom: none; }
.schedule-table tr:hover td { background: var(--color-surface-2); }
.schedule-table .td-interest { color: var(--color-success); }
.schedule-table .td-balance { font-weight: 600; }

/* ═══════════════════════════════════════════════════════
   QUICK SUMMARY
═══════════════════════════════════════════════════════ */
.quick-summary {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  display: flex;
  gap: 1rem;
}
.summary-icon { flex-shrink: 0; margin-top: .125rem; }
.summary-heading {
  font-family: var(--font-display);
  font-size: 1.125rem;
  font-weight: 400;
  margin-bottom: .75rem;
}
.summary-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.summary-list li {
  font-size: .9375rem;
  color: var(--color-text-2);
  padding-left: 1.25rem;
  position: relative;
  line-height: 1.5;
}
.summary-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-accent);
  font-weight: 700;
  font-size: .8125rem;
  top: .175rem;
}

/* ═══════════════════════════════════════════════════════
   ARTICLE
═══════════════════════════════════════════════════════ */
.calc-article {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  line-height: 1.75;
}
@media (min-width: 640px) { .calc-article { padding: 2.5rem 2rem; } }

.article-h2 {
  font-family: var(--font-display);
  font-size: clamp(1.375rem, 3.5vw, 1.75rem);
  font-weight: 400;
  margin: 2rem 0 .75rem;
  color: var(--color-text);
  line-height: 1.2;
}
.article-h2:first-child { margin-top: 0; }

.article-h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 400;
  margin: 1.75rem 0 .625rem;
  color: var(--color-text);
}

.article-h4 {
  font-size: 1rem;
  font-weight: 600;
  margin: 1.5rem 0 .5rem;
  color: var(--color-text);
}

.article-h5 {
  font-size: .9375rem;
  font-weight: 600;
  margin: 1.25rem 0 .5rem;
  color: var(--color-text-2);
}

.article-h6 {
  font-size: .875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  margin: 1.25rem 0 .5rem;
  color: var(--color-text-3);
}

.calc-article p {
  font-size: .9875rem;
  color: var(--color-text-2);
  margin-bottom: 1rem;
}
.calc-article p:last-child { margin-bottom: 0; }

.calc-article strong { color: var(--color-text); font-weight: 600; }
.calc-article em { font-style: italic; }

.calc-article ul, .calc-article ol {
  margin: .75rem 0 1rem 1.25rem;
  color: var(--color-text-2);
  font-size: .9875rem;
}
.calc-article li { margin-bottom: .375rem; }

.formula-block {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  font-family: 'Menlo', 'Consolas', monospace;
  font-size: .9375rem;
  color: var(--color-accent-dark);
  margin: 1.25rem 0;
  overflow-x: auto;
  text-align: center;
  font-weight: 500;
}

.callout {
  background: var(--color-accent-light);
  border-left: 4px solid var(--color-accent);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1rem 1.25rem;
  margin: 1.25rem 0;
  font-size: .9375rem;
  color: var(--color-text-2);
}
.callout strong { color: var(--color-accent-dark); }

.example-block {
  background: var(--color-info-bg);
  border: 1px solid #b8d8f0;
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin: 1.25rem 0;
}
.example-block .example-label {
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--color-info);
  margin-bottom: .625rem;
  display: block;
}
.example-block p { font-size: .9375rem; }
.example-block p:last-child { margin-bottom: 0; }

.disclaimer-block {
  background: var(--color-surface-2);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  margin: 1.25rem 0;
  font-size: .875rem;
  color: var(--color-text-3);
}

/* ═══════════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════════ */
.faq-section {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
}
@media (min-width: 640px) { .faq-section { padding: 2rem; } }

.faq-main-heading {
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 3vw, 1.625rem);
  font-weight: 400;
  margin-bottom: 1.25rem;
}

.faq-item {
  border-bottom: 1px solid var(--color-border);
}
.faq-item:last-child { border-bottom: none; }

.faq-question {
  width: 100%;
  background: transparent;
  padding: 1rem 0;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  text-align: left;
  font-size: .9375rem;
  font-weight: 500;
  color: var(--color-text);
  line-height: 1.5;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--color-accent); }
.faq-question[aria-expanded="true"] { color: var(--color-accent); }

.faq-chevron {
  flex-shrink: 0;
  transition: transform var(--transition);
  margin-top: .1rem;
  color: var(--color-text-3);
}
.faq-question[aria-expanded="true"] .faq-chevron { transform: rotate(180deg); }

.faq-answer {
  padding: 0 0 1rem;
  font-size: .9375rem;
  color: var(--color-text-2);
  line-height: 1.7;
}
.faq-answer p:not(:last-child) { margin-bottom: .75rem; }

/* ═══════════════════════════════════════════════════════
   CONCLUSION
═══════════════════════════════════════════════════════ */
.conclusion-section {
  background: linear-gradient(135deg, #1a1713 0%, #2d2620 100%);
  border-radius: var(--radius-xl);
  padding: 2rem 1.5rem;
  color: white;
  position: relative;
  overflow: hidden;
}
.conclusion-section::before {
  content: '';
  position: absolute;
  top: -50px; right: -50px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(197,129,58,.25) 0%, transparent 70%);
  border-radius: 50%;
}
.conclusion-heading {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 400;
  margin-bottom: 1rem;
  position: relative;
  z-index: 1;
}
.conclusion-body {
  position: relative;
  z-index: 1;
}
.conclusion-body p {
  color: rgba(255,255,255,.7);
  font-size: .9875rem;
  margin-bottom: .875rem;
  line-height: 1.7;
}
.conclusion-btn {
  display: inline-flex;
  align-items: center;
  gap: .375rem;
  margin-top: .5rem;
  background: rgba(255,255,255,.08);
  border: 1.5px solid rgba(255,255,255,.2);
  color: white;
  padding: .625rem 1.25rem;
  border-radius: var(--radius-md);
  font-size: .9375rem;
  font-weight: 500;
  transition: all var(--transition);
  text-decoration: none;
}
.conclusion-btn:hover { background: rgba(255,255,255,.15); text-decoration: none; color: white; }

/* ═══════════════════════════════════════════════════════
   RELATED CALCULATORS
═══════════════════════════════════════════════════════ */
.related-section {}
.related-heading {
  font-family: var(--font-display);
  font-size: 1.375rem;
  font-weight: 400;
  margin-bottom: 1rem;
}
.related-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
}
@media (min-width: 480px) {
  .related-grid { grid-template-columns: repeat(3, 1fr); }
}

.related-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: .375rem;
  text-decoration: none;
  transition: all var(--transition);
  color: var(--color-text);
}
.related-card:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  text-decoration: none;
  color: var(--color-text);
}
.related-icon { font-size: 1.375rem; }
.related-title { font-size: .875rem; font-weight: 500; line-height: 1.3; }
.related-arrow { color: var(--color-text-3); margin-top: auto; transition: transform var(--transition); }
.related-card:hover .related-arrow { transform: translateX(3px); color: var(--color-accent); }

/* ═══════════════════════════════════════════════════════
   SIDEBAR
═══════════════════════════════════════════════════════ */
.calc-sidebar {
  display: none;
}
@media (min-width: 1024px) {
  .calc-sidebar {
    display: block;
    position: sticky;
    top: 2rem;
  }
}

.sidebar-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}
.sidebar-heading {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 400;
  margin-bottom: .875rem;
  color: var(--color-text);
}
.sidebar-links { list-style: none; display: flex; flex-direction: column; gap: .375rem; }
.sidebar-links a {
  font-size: .875rem;
  color: var(--color-text-2);
  display: flex;
  align-items: center;
  gap: .5rem;
  padding: .375rem 0;
  border-bottom: 1px solid var(--color-border);
  text-decoration: none;
  transition: color var(--transition);
}
.sidebar-links li:last-child a { border-bottom: none; }
.sidebar-links a:hover { color: var(--color-accent); }

/* ═══════════════════════════════════════════════════════
   UTILITIES
═══════════════════════════════════════════════════════ */
[hidden] { display: none !important; }
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}