/* ═══════════════════════════════════════
   TOKENS & RESET
═══════════════════════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --ff-body:'Sora',system-ui,sans-serif;
  --ff-serif:'Lora',Georgia,serif;

  /* Navy + Teal palette */
  --c-bg:#f4f6f9;
  --c-surface:#ffffff;
  --c-surface-2:#eef1f6;
  --c-border:#dde2eb;
  --c-border-focus:#2d7dd2;

  --c-text:#0f1923;
  --c-text-2:#4a5568;
  --c-text-3:#8896a8;

  --c-primary:#1a4f8a;
  --c-primary-light:#e8f0fa;
  --c-primary-dark:#133c6b;

  --c-accent:#2d7dd2;
  --c-accent-glow:rgba(45,125,210,.18);

  --c-principal:#2d7dd2;
  --c-interest:#e05c2a;
  --c-saved:#2da87a;

  --c-success:#2da87a;
  --c-success-bg:#eaf7f2;
  --c-warn:#d97706;
  --c-warn-bg:#fef9ee;
  --c-danger:#d93a3a;
  --c-danger-bg:#fef2f2;

  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:20px;--r-full:9999px;
  --sh-sm:0 1px 3px rgba(0,0,0,.07),0 1px 2px rgba(0,0,0,.04);
  --sh-md:0 4px 16px rgba(0,0,0,.09),0 2px 6px rgba(0,0,0,.04);
  --sh-lg:0 10px 40px rgba(0,0,0,.10),0 4px 12px rgba(0,0,0,.05);
  --tr:.17s ease;
  --max-page:1160px;
}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:var(--ff-body);font-size:1rem;line-height:1.7;color:var(--c-text);background:var(--c-bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
button{font-family:inherit;cursor:pointer;border:none;background:none}
a{color:var(--c-accent);text-decoration:none}
a:hover{text-decoration:underline}
[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}
code{font-family:'Menlo','Consolas',monospace;font-size:.85em;background:var(--c-surface-2);padding:.1em .35em;border-radius:3px;color:var(--c-primary)}

/* ═══════════════════════════════════════
   LAYOUT
═══════════════════════════════════════ */
.page-wrap{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:1040px){
  .calc-page-layout{padding:0 2rem 5rem}
  .calc-page-container{grid-template-columns:minmax(0,1fr) 280px;gap:2.5rem;align-items:start}
}
.calc-main{min-width:0;display:flex;flex-direction:column;gap:2rem}

/* ═══════════════════════════════════════
   BREADCRUMB
═══════════════════════════════════════ */
.breadcrumb{padding:.875rem 0 0;font-size:.8rem;color:var(--c-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(--c-border);margin-right:.375rem}
.breadcrumb a{color:var(--c-text-2)}
.breadcrumb a:hover{color:var(--c-accent);text-decoration:none}

/* ═══════════════════════════════════════
   PAGE HEADER
═══════════════════════════════════════ */
.calc-page-header{padding:1.75rem 0 0}
.calc-category-badge{display:inline-flex;align-items:center;gap:.375rem;background:var(--c-primary-light);color:var(--c-primary);font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:.3rem .75rem;border-radius:var(--r-full);margin-bottom:.875rem}
.calc-category-badge:hover{background:#d6e6f7;text-decoration:none}
.calc-page-title{font-family:var(--ff-serif);font-size:clamp(1.7rem,5vw,2.6rem);font-weight:500;line-height:1.15;color:var(--c-text);margin-bottom:.625rem}
.calc-page-subtitle{font-size:1rem;color:var(--c-text-2);line-height:1.65;max-width:620px;font-weight:300}

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

.widget-header{
  background:linear-gradient(135deg,var(--c-primary) 0%,#0e3060 100%);
  padding:1.375rem 1.5rem 1.25rem;position:relative;overflow:hidden
}
.widget-header::after{
  content:'';position:absolute;top:-40px;right:-40px;
  width:160px;height:160px;
  background:radial-gradient(circle,rgba(45,125,210,.35) 0%,transparent 70%);
  border-radius:50%
}
.widget-heading{font-family:var(--ff-serif);font-size:1.25rem;font-weight:500;color:#fff;position:relative;z-index:1}
.widget-subheading{font-size:.775rem;color:rgba(255,255,255,.5);margin-top:.2rem;font-weight:300;position:relative;z-index:1}

.widget-body{padding:1.375rem 1.25rem}
@media(min-width:480px){.widget-body{padding:1.5rem}}

/* ─── Tabs ─────────────────────────────────── */
.calc-tabs{display:flex;gap:.2rem;background:var(--c-surface-2);border-radius:var(--r-md);padding:.2rem;margin-bottom:1.375rem;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.calc-tabs::-webkit-scrollbar{display:none}
.calc-tab{flex:0 0 auto;padding:.45rem .875rem;border-radius:8px;font-size:.775rem;font-weight:600;color:var(--c-text-2);background:transparent;transition:all var(--tr);white-space:nowrap;letter-spacing:.01em}
.calc-tab.active{background:var(--c-surface);color:var(--c-primary);box-shadow:var(--sh-sm)}

/* ─── Input Groups ─────────────────────────── */
.inputs-grid{display:grid;grid-template-columns:1fr;gap:1rem;margin-bottom:1rem}
@media(min-width:520px){.inputs-grid{grid-template-columns:1fr 1fr}}

.input-group{display:flex;flex-direction:column;gap:.3rem}
.input-label{font-size:.775rem;font-weight:600;color:var(--c-text);display:flex;justify-content:space-between;align-items:baseline;letter-spacing:.01em}
.input-hint{font-size:.7rem;font-weight:400;color:var(--c-text-3)}
.input-wrap{position:relative;display:flex;align-items:center}
.input-pfx,.input-sfx{position:absolute;font-size:.85rem;font-weight:600;color:var(--c-text-3);pointer-events:none;z-index:1;line-height:1}
.input-pfx{left:.7rem}
.input-sfx{right:.7rem}

.calc-input,.calc-select{
  width:100%;height:2.625rem;
  border:1.5px solid var(--c-border);border-radius:var(--r-md);
  font-family:var(--ff-body);font-size:.9rem;color:var(--c-text);
  background:var(--c-surface);
  transition:border-color var(--tr),box-shadow var(--tr);
  -webkit-appearance:none;appearance:none;padding:0 .75rem
}
.calc-input:focus,.calc-select:focus{outline:none;border-color:var(--c-accent);box-shadow:0 0 0 3px var(--c-accent-glow)}
.has-pfx .calc-input{padding-left:2rem}
.has-sfx .calc-input,.has-sfx .calc-select{padding-right:2.25rem}

.calc-select{
  padding-right:2.25rem;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='7' fill='none'%3E%3Cpath d='M1 1l4.5 5L10 1' stroke='%238896a8' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right .75rem center
}

.input-desc{font-size:.7rem;color:var(--c-text-3);line-height:1.35}

/* Range */
.range-row{display:flex;align-items:center;gap:.625rem}
.range-row input[type=range]{flex:1;height:auto;padding:0;border:none;box-shadow:none;background:transparent;cursor:pointer;accent-color:var(--c-accent)}
.range-row input[type=range]:focus{box-shadow:none}
.range-num{min-width:4.25rem}
.range-num input{width:100%;border:1.5px solid var(--c-border);border-radius:var(--r-sm);padding:.3rem .45rem;font-size:.8rem;text-align:right;font-family:var(--ff-body);color:var(--c-text);background:var(--c-surface)}
.range-num input:focus{outline:none;border-color:var(--c-accent)}

/* Divider */
.sec-div{display:flex;align-items:center;gap:.625rem;margin:1.125rem 0 .875rem}
.sec-div::before,.sec-div::after{content:'';flex:1;height:1px;background:var(--c-border)}
.sec-div-label{font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--c-text-3);white-space:nowrap}

/* Toggle */
.toggle-row{display:flex;align-items:center;justify-content:space-between;gap:.75rem;margin-bottom:.875rem}
.toggle-info .toggle-title{font-size:.8rem;font-weight:600;color:var(--c-text)}
.toggle-info .toggle-sub{font-size:.7rem;color:var(--c-text-3)}
.toggle-sw{position:relative;width:2.375rem;height:1.3125rem;flex-shrink:0}
.toggle-sw input{opacity:0;width:0;height:0}
.toggle-sl{position:absolute;inset:0;background:var(--c-border);border-radius:100px;transition:background var(--tr);cursor:pointer}
.toggle-sl::before{content:'';position:absolute;width:.9375rem;height:.9375rem;left:.175rem;top:.1875rem;background:#fff;border-radius:50%;transition:transform var(--tr);box-shadow:0 1px 3px rgba(0,0,0,.2)}
.toggle-sw input:checked+.toggle-sl{background:var(--c-accent)}
.toggle-sw input:checked+.toggle-sl::before{transform:translateX(1.0625rem)}

.cond-row{display:none}
.cond-row.vis{display:grid}

/* ─── CTA Button ─────────────────────────── */
.calc-btn{
  width:100%;height:2.875rem;
  background:linear-gradient(135deg,var(--c-accent) 0%,var(--c-primary) 100%);
  color:#fff;border-radius:var(--r-md);
  font-size:.9375rem;font-weight:700;letter-spacing:.015em;
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  transition:all var(--tr);box-shadow:0 4px 14px rgba(26,79,138,.35);
  margin-top:1.25rem
}
.calc-btn:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,79,138,.45)}
.calc-btn:active{transform:none}

/* ═══════════════════════════════════════
   RESULTS
═══════════════════════════════════════ */
.results-area{margin-top:1.5rem;animation:riseIn .3s ease}
@keyframes riseIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}

/* Summary strip */
.summary-strip{
  background:linear-gradient(135deg,var(--c-primary) 0%,#0e3060 100%);
  border-radius:var(--r-lg);padding:1.125rem 1.25rem;
  display:grid;grid-template-columns:1fr 1fr;gap:.75rem;
  margin-bottom:1.125rem;position:relative;overflow:hidden
}
.summary-strip::before{content:'';position:absolute;bottom:-30px;right:-30px;width:130px;height:130px;background:radial-gradient(circle,rgba(255,255,255,.07) 0%,transparent 70%);border-radius:50%}
.ss-item{}
.ss-label{font-size:.675rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:.175rem}
.ss-value{font-family:var(--ff-serif);font-size:clamp(1.25rem,4vw,1.625rem);font-weight:500;color:#fff;line-height:1;position:relative;z-index:1}
.ss-sub{font-size:.675rem;color:rgba(255,255,255,.45);margin-top:.2rem}
.ss-item.accent .ss-value{color:#7dd3fc}

/* Results grid */
.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:.625rem;margin-bottom:1.125rem}
@media(min-width:520px){.results-grid{grid-template-columns:repeat(4,1fr)}}
.r-card{background:var(--c-surface-2);border:1px solid var(--c-border);border-radius:var(--r-md);padding:.75rem .875rem}
.r-card.green{background:var(--c-success-bg);border-color:#b6e8d4}
.r-card.warn{background:var(--c-warn-bg);border-color:#fde68a}
.r-label{font-size:.675rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--c-text-3);display:block;margin-bottom:.3rem}
.r-value{font-size:1rem;font-weight:700;color:var(--c-text);display:block;line-height:1.2}
.r-card.green .r-value{color:var(--c-success)}
.r-card.warn  .r-value{color:var(--c-warn)}

/* ─── Donut + stats row ─── */
.donut-stats-row{
  display:grid;
  grid-template-columns:1fr;
  gap:1rem;
  margin-bottom:1.125rem;
  align-items:center
}
@media(min-width:420px){
  .donut-stats-row{grid-template-columns:auto 1fr}
}

.donut-wrap{
  display:flex;align-items:center;justify-content:center;
  position:relative;flex-shrink:0;
  width:140px;height:140px;
  margin:0 auto
}
@media(min-width:420px){.donut-wrap{margin:0;width:130px;height:130px}}

.donut-wrap canvas{position:absolute;inset:0;width:100%!important;height:100%!important}

.donut-center{
  position:relative;z-index:2;
  text-align:center;pointer-events:none
}
.donut-center-label{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--c-text-3);display:block;margin-bottom:.2rem}
.donut-center-value{font-family:var(--ff-serif);font-size:1.0625rem;font-weight:500;color:var(--c-text);display:block;line-height:1.1}

.donut-legend{display:flex;flex-direction:column;gap:.6rem}
.dl-item{display:flex;align-items:center;gap:.625rem}
.dl-dot{width:.5625rem;height:.5625rem;border-radius:50%;flex-shrink:0}
.dl-dot.p{background:var(--c-principal)}
.dl-dot.i{background:var(--c-interest)}
.dl-text{flex:1}
.dl-name{font-size:.75rem;font-weight:600;color:var(--c-text)}
.dl-amt{font-size:.825rem;font-weight:700;color:var(--c-text)}
.dl-pct{font-size:.7rem;color:var(--c-text-3)}

/* Extra-payment savings callout */
.savings-callout{
  background:var(--c-success-bg);border:1px solid #b6e8d4;
  border-radius:var(--r-md);padding:.75rem 1rem;
  display:flex;align-items:flex-start;gap:.625rem;
  margin-bottom:1.125rem;font-size:.8375rem;color:var(--c-success)
}
.savings-callout-icon{font-size:1.125rem;flex-shrink:0;margin-top:.05rem}
.savings-callout strong{color:#1e7a55}

/* ─── Amortisation Table ─── */
.amort-section{margin-top:.25rem}
.amort-header{display:flex;align-items:center;justify-content:space-between;gap:.75rem;margin-bottom:.625rem;flex-wrap:wrap}
.amort-heading{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--c-text-2)}

.view-toggle-btns{display:flex;background:var(--c-surface-2);border:1px solid var(--c-border);border-radius:var(--r-sm);overflow:hidden;flex-shrink:0}
.vt-btn{padding:.35rem .7rem;font-size:.725rem;font-weight:600;color:var(--c-text-3);transition:all var(--tr);display:flex;align-items:center;gap:.3rem;white-space:nowrap}
.vt-btn.active{background:var(--c-surface);color:var(--c-primary);box-shadow:var(--sh-sm)}

.table-wrap{
  border:1px solid var(--c-border);border-radius:var(--r-md);overflow:hidden;
  max-height:280px;overflow-y:auto;
  /* Custom slim scrollbar */
  scrollbar-width:thin;scrollbar-color:var(--c-border) transparent
}
.table-wrap::-webkit-scrollbar{width:4px}
.table-wrap::-webkit-scrollbar-track{background:transparent}
.table-wrap::-webkit-scrollbar-thumb{background:var(--c-border);border-radius:2px}

.amort-table{width:100%;border-collapse:collapse;font-size:.775rem;min-width:360px}
.amort-table thead{position:sticky;top:0;z-index:2;background:var(--c-surface-2)}
.amort-table th{
  padding:.5rem .625rem;text-align:right;
  font-size:.675rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;
  color:var(--c-text-3);border-bottom:1.5px solid var(--c-border);white-space:nowrap
}
.amort-table th:first-child{text-align:left;padding-left:.75rem}
.amort-table td{
  padding:.45rem .625rem;text-align:right;
  border-bottom:1px solid var(--c-surface-2);color:var(--c-text)
}
.amort-table td:first-child{text-align:left;padding-left:.75rem;color:var(--c-text-2);font-weight:600}
.amort-table tr:last-child td{border-bottom:none}
.amort-table tr:hover td{background:var(--c-primary-light)}
.amort-table .td-int{color:var(--c-interest);font-weight:600}
.amort-table .td-princ{color:var(--c-principal);font-weight:600}
.amort-table .td-bal{font-weight:700}
.amort-table tr.year-row td{background:var(--c-surface-2);font-weight:700;font-size:.725rem}

/* Toggle expand */
.table-expand-btn{
  width:100%;margin-top:.5rem;
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  border:1.5px solid var(--c-border);border-radius:var(--r-md);
  padding:.55rem 1rem;font-size:.8rem;font-weight:600;color:var(--c-text-2);
  transition:all var(--tr)
}
.table-expand-btn:hover{border-color:var(--c-accent);color:var(--c-accent)}
.table-expand-btn .teb-icon{transition:transform var(--tr)}
.table-expand-btn[aria-expanded=true] .teb-icon{transform:rotate(180deg)}

/* ═══════════════════════════════════════
   EXTRA PAYMENT SAVINGS CHART
═══════════════════════════════════════ */
.savings-chart-wrap{
  border:1px solid var(--c-border);border-radius:var(--r-md);
  overflow:hidden;background:var(--c-surface-2);margin-bottom:1.125rem
}
.savings-chart-header{
  padding:.625rem .875rem;
  font-size:.725rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;
  color:var(--c-text-2);border-bottom:1px solid var(--c-border)
}
.savings-chart-wrap canvas{display:block;width:100%!important;max-height:160px;padding:.5rem .5rem 0}

/* ═══════════════════════════════════════
   QUICK SUMMARY
═══════════════════════════════════════ */
.quick-summary{
  background:var(--c-surface);border:1px solid var(--c-border);
  border-left:3.5px solid var(--c-accent);
  border-radius:var(--r-lg);padding:1.375rem 1.25rem;
  display:flex;gap:.875rem
}
.summary-icon{flex-shrink:0;margin-top:.1rem}
.summary-heading{font-family:var(--ff-serif);font-size:1.0625rem;font-weight:500;margin-bottom:.625rem}
.summary-list{list-style:none;display:flex;flex-direction:column;gap:.45rem}
.summary-list li{font-size:.9rem;color:var(--c-text-2);padding-left:1.2rem;position:relative;line-height:1.5}
.summary-list li::before{content:'✓';position:absolute;left:0;color:var(--c-accent);font-weight:700;font-size:.75rem;top:.18rem}

/* ═══════════════════════════════════════
   ARTICLE
═══════════════════════════════════════ */
.calc-article{
  background:var(--c-surface);border:1px solid var(--c-border);
  border-radius:var(--r-lg);padding:1.75rem 1.25rem;line-height:1.75
}
@media(min-width:560px){.calc-article{padding:2.25rem 2rem}}

.article-h2{font-family:var(--ff-serif);font-size:clamp(1.2rem,3.5vw,1.625rem);font-weight:500;margin:1.875rem 0 .625rem;color:var(--c-text);line-height:1.25}
.article-h2:first-child{margin-top:0}
.article-h3{font-family:var(--ff-serif);font-size:1.125rem;font-weight:500;margin:1.625rem 0 .5rem;color:var(--c-text)}
.article-h4{font-size:.9375rem;font-weight:700;margin:1.375rem 0 .45rem;color:var(--c-text)}
.article-h5{font-size:.875rem;font-weight:700;margin:1.125rem 0 .4rem;color:var(--c-text-2)}
.article-h6{font-size:.775rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin:1rem 0 .4rem;color:var(--c-text-3)}

.calc-article p{font-size:.9625rem;color:var(--c-text-2);margin-bottom:.9375rem}
.calc-article p:last-child{margin-bottom:0}
.calc-article strong{color:var(--c-text);font-weight:600}
.calc-article em{font-style:italic}
.calc-article ul,.calc-article ol{margin:.625rem 0 .9375rem 1.25rem;color:var(--c-text-2);font-size:.9625rem}
.calc-article li{margin-bottom:.35rem}

.formula-block{
  background:var(--c-surface-2);border:1px solid var(--c-border);
  border-radius:var(--r-md);padding:.875rem 1.125rem;
  font-family:'Menlo','Consolas',monospace;font-size:.9rem;
  color:var(--c-primary);margin:1.125rem 0;overflow-x:auto;
  text-align:center;font-weight:600
}
.example-block{
  background:var(--c-primary-light);border:1px solid #c3d9f0;
  border-radius:var(--r-md);padding:1.125rem 1.25rem;margin:1.125rem 0
}
.example-label{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--c-accent);margin-bottom:.5rem;display:block}
.example-block p{font-size:.9375rem}
.example-block p:last-child{margin-bottom:0}
.callout{background:var(--c-warn-bg);border-left:3px solid var(--c-warn);border-radius:0 var(--r-md) var(--r-md) 0;padding:.875rem 1.125rem;margin:1.125rem 0;font-size:.9375rem;color:var(--c-text-2)}
.callout strong{color:var(--c-warn)}
.disclaimer-block{background:var(--c-surface-2);border:1px solid var(--c-border);border-radius:var(--r-md);padding:.875rem 1.125rem;font-size:.8375rem;color:var(--c-text-3);margin:1rem 0}

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-section{background:var(--c-surface);border:1px solid var(--c-border);border-radius:var(--r-lg);padding:1.625rem 1.25rem}
@media(min-width:560px){.faq-section{padding:1.875rem 1.75rem}}
.faq-main-heading{font-family:var(--ff-serif);font-size:clamp(1.125rem,3vw,1.5rem);font-weight:500;margin-bottom:1.125rem}
.faq-item{border-bottom:1px solid var(--c-border)}
.faq-item:last-child{border-bottom:none}
.faq-question{width:100%;background:transparent;padding:.875rem 0;display:flex;align-items:flex-start;justify-content:space-between;gap:.875rem;text-align:left;font-size:.9rem;font-weight:600;color:var(--c-text);line-height:1.5;transition:color var(--tr)}
.faq-question:hover,.faq-question[aria-expanded=true]{color:var(--c-accent)}
.faq-chevron{flex-shrink:0;transition:transform var(--tr);margin-top:.15rem;color:var(--c-text-3)}
.faq-question[aria-expanded=true] .faq-chevron{transform:rotate(180deg)}
.faq-answer{padding:0 0 .9375rem;font-size:.9rem;color:var(--c-text-2);line-height:1.7}
.faq-answer p:not(:last-child){margin-bottom:.625rem}

/* ═══════════════════════════════════════
   CONCLUSION
═══════════════════════════════════════ */
.conclusion-section{
  background:linear-gradient(135deg,var(--c-primary) 0%,#0e3060 100%);
  border-radius:var(--r-xl);padding:1.875rem 1.5rem;
  color:#fff;position:relative;overflow:hidden
}
.conclusion-section::before{content:'';position:absolute;top:-40px;right:-40px;width:180px;height:180px;background:radial-gradient(circle,rgba(255,255,255,.07) 0%,transparent 70%);border-radius:50%}
.conclusion-heading{font-family:var(--ff-serif);font-size:1.375rem;font-weight:500;margin-bottom:.875rem;position:relative;z-index:1}
.conclusion-body{position:relative;z-index:1}
.conclusion-body p{color:rgba(255,255,255,.7);font-size:.9625rem;margin-bottom:.8125rem;line-height:1.7}
.conclusion-btn{display:inline-flex;align-items:center;gap:.375rem;margin-top:.375rem;background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.2);color:#fff;padding:.575rem 1.125rem;border-radius:var(--r-md);font-size:.9rem;font-weight:600;transition:all var(--tr);text-decoration:none}
.conclusion-btn:hover{background:rgba(255,255,255,.18);text-decoration:none;color:#fff}

/* ═══════════════════════════════════════
   RELATED
═══════════════════════════════════════ */
.related-heading{font-family:var(--ff-serif);font-size:1.25rem;font-weight:500;margin-bottom:.875rem}
.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:.625rem}
@media(min-width:480px){.related-grid{grid-template-columns:repeat(3,1fr)}}
.related-card{background:var(--c-surface);border:1px solid var(--c-border);border-radius:var(--r-md);padding:.875rem;display:flex;flex-direction:column;gap:.3rem;text-decoration:none;transition:all var(--tr);color:var(--c-text)}
.related-card:hover{border-color:var(--c-accent);box-shadow:var(--sh-md);transform:translateY(-2px);text-decoration:none;color:var(--c-text)}
.related-icon{font-size:1.25rem}
.related-title{font-size:.8125rem;font-weight:600;line-height:1.3}
.related-arrow{color:var(--c-text-3);margin-top:auto;transition:transform var(--tr)}
.related-card:hover .related-arrow{transform:translateX(3px);color:var(--c-accent)}

/* ═══════════════════════════════════════
   SIDEBAR
═══════════════════════════════════════ */
.calc-sidebar{display:none}
@media(min-width:1040px){.calc-sidebar{display:block;position:sticky;top:2rem}}
.sidebar-card{background:var(--c-surface);border:1px solid var(--c-border);border-radius:var(--r-lg);padding:1.125rem;margin-bottom:1.125rem}
.sidebar-heading{font-family:var(--ff-serif);font-size:.9375rem;font-weight:500;margin-bottom:.75rem;color:var(--c-text)}
.sidebar-links{list-style:none;display:flex;flex-direction:column;gap:.2rem}
.sidebar-links a{font-size:.8rem;color:var(--c-text-2);display:flex;align-items:center;gap:.5rem;padding:.35rem 0;border-bottom:1px solid var(--c-surface-2);text-decoration:none;transition:color var(--tr)}
.sidebar-links li:last-child a{border-bottom:none}
.sidebar-links a:hover{color:var(--c-accent)}