:root,
[data-theme="light"] {
  --bg: #e9edf2;
  --pane: #ffffff;
  --surface: #f8fafc;
  --border: #dde3ea;
  --border-input: #c5ced8;
  --text: #1a2332;
  --text-secondary: #5c6b7e;
  --muted: #8b98a8;
  --accent: #2563eb;
  --accent-hover: #1d4ed8;
  --accent-soft: #eff6ff;
  --accent-glow: rgba(37, 99, 235, 0.12);
  --success: #047857;
  --success-soft: #ecfdf5;
  --computed-bg: #f1f5f9;
  --shadow-pane: 0 1px 3px rgba(15, 23, 42, 0.06), 0 8px 24px rgba(15, 23, 42, 0.06);
  --radius: 12px;
  --radius-sm: 8px;
  --switch-track: #cbd5e1;
  --switch-thumb: #ffffff;
  --pane-width: 1080px;
  --rail-min: 120px;
  --schedule-height: 320px;
}

[data-theme="dark"] {
  --bg: #0d1117;
  --pane: #161b22;
  --surface: #1c2330;
  --border: #2a3344;
  --border-input: #3d4f66;
  --text: #e8edf4;
  --text-secondary: #9aa8ba;
  --muted: #6b7a8f;
  --accent: #60a5fa;
  --accent-hover: #93c5fd;
  --accent-soft: #172554;
  --accent-glow: rgba(96, 165, 250, 0.15);
  --success: #34d399;
  --success-soft: #052e22;
  --computed-bg: #1a2230;
  --shadow-pane: 0 1px 3px rgba(0, 0, 0, 0.3), 0 8px 24px rgba(0, 0, 0, 0.25);
  --switch-track: #3d4f66;
  --switch-thumb: #e8edf4;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: "Inter", system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

.boot-error {
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 0.85rem 1.25rem;
  font-size: 0.9rem;
  line-height: 1.45;
  color: #7f1d1d;
  background: #fef2f2;
  border-bottom: 1px solid #fecaca;
}

.boot-error code {
  font-family: "JetBrains Mono", ui-monospace, monospace;
  font-size: 0.82em;
  padding: 0.1em 0.35em;
  background: rgba(0, 0, 0, 0.06);
  border-radius: 4px;
}

[data-theme="dark"] .boot-error {
  color: #fecaca;
  background: #450a0a;
  border-bottom-color: #7f1d1d;
}

[data-theme="dark"] .boot-error code {
  background: rgba(255, 255, 255, 0.08);
}

button,
input,
output {
  font: inherit;
}

[hidden] {
  display: none !important;
}

/* ── Single-pane layout with side gutters for ads ── */
.site-layout {
  display: grid;
  grid-template-columns: 1fr min(var(--pane-width), 100%) 1fr;
  min-height: 100vh;
  gap: 0;
}

.ad-rail {
  min-width: var(--rail-min);
}

.content-pane {
  background: var(--pane);
  box-shadow: var(--shadow-pane);
  min-height: 100vh;
  border-left: 1px solid var(--border);
  border-right: 1px solid var(--border);
  overflow-x: hidden;
}

/* ── Header ── */
.pane-header {
  padding: 1.25rem 1.5rem 0;
  border-bottom: 1px solid var(--border);
}

.pane-header__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1rem;
}

.brand h1 {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.brand__sub {
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 0.1rem;
}

.pane-header__actions {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-shrink: 0;
}

.top-nav {
  display: flex;
  gap: 0;
  border-bottom: none;
  margin-bottom: -1px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}

.top-nav::-webkit-scrollbar {
  display: none;
}

.nav-pill {
  border: none;
  background: transparent;
  color: var(--text-secondary);
  padding: 0.55rem 1rem;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  transition: color 0.15s, border-color 0.15s;
  flex-shrink: 0;
  white-space: nowrap;
}

.nav-pill__label--short {
  display: none;
}

.nav-pill:hover:not(:disabled) {
  color: var(--text);
}

.nav-pill.active {
  color: var(--accent);
  border-bottom-color: var(--accent);
}

.nav-pill:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

.nav-pill:disabled {
  opacity: 0.35;
  cursor: not-allowed;
}

.theme-switch {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.25rem 0.5rem;
  border-radius: 999px;
  cursor: pointer;
}

.theme-switch__icon {
  width: 14px;
  height: 14px;
  color: var(--muted);
}

/* ── Switch component ── */
.switch {
  position: relative;
  display: inline-flex;
}

.switch input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.switch__track {
  display: block;
  width: 40px;
  height: 22px;
  background: var(--switch-track);
  border-radius: 999px;
  position: relative;
  transition: background 0.2s;
}

.switch__thumb {
  position: absolute;
  top: 2px;
  left: 2px;
  width: 18px;
  height: 18px;
  background: var(--switch-thumb);
  border-radius: 50%;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.15);
  transition: transform 0.2s;
}

.switch input:checked + .switch__track {
  background: var(--accent);
}

.switch input:checked + .switch__track .switch__thumb {
  transform: translateX(18px);
}

.switch input:focus-visible + .switch__track {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

.switch-row {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  cursor: pointer;
}

.switch-row__label {
  font-size: 0.88rem;
  font-weight: 600;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  border: none;
  border-radius: var(--radius-sm);
  padding: 0.5rem 0.9rem;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s;
}

.btn--sm {
  padding: 0.4rem 0.75rem;
  font-size: 0.78rem;
}

.btn--ghost {
  background: transparent;
  color: var(--text-secondary);
  border: 1px solid var(--border);
}

.btn--ghost:hover {
  background: var(--surface);
  color: var(--text);
}

.btn--primary {
  background: var(--accent);
  color: #fff;
}

.btn--primary:hover {
  background: var(--accent-hover);
}

.link-btn {
  border: none;
  background: none;
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 600;
  cursor: pointer;
  padding: 0;
  text-decoration: underline;
  text-underline-offset: 2px;
}

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

.link-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.form-select {
  width: 100%;
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235c6b7e' d='M3 4.5 6 7.5 9 4.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.65rem center;
  padding-right: 2rem;
}

.calc-panel[hidden] {
  display: none !important;
}

/* ── Body ── */
.pane-body {
  padding: 1.35rem 1.5rem 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* ── Panels ── */
.panel {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.15rem 1.25rem;
  background: var(--pane);
}

.panel__title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-secondary);
  margin-bottom: 0.85rem;
}

.panel__title--spaced {
  margin-top: 1.25rem;
}

.panel__desc {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: -0.65rem;
  margin-bottom: 0.85rem;
}

.panel__header-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 0.25rem;
}

.panel__header-row .panel__title {
  margin-bottom: 0.15rem;
}

.loan-panel {
  padding: 1.25rem 1.35rem;
}

.loan-panel > .panel__title {
  margin-bottom: 0.85rem;
}

.form-rows {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.form-row {
  display: grid;
  grid-template-columns: 11rem 1fr;
  align-items: start;
  gap: 0.5rem 0.75rem;
}

.form-row__label {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.35rem;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-secondary);
  line-height: 1.3;
  padding-top: 0.55rem;
  min-width: 0;
}

.form-row__label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  width: 100%;
  flex-wrap: wrap;
}

.form-row__label-row > label {
  flex-shrink: 0;
  cursor: pointer;
}

.form-row__label-actions {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  flex-wrap: wrap;
  margin-left: auto;
}

.form-row__label-row .segmented,
.form-row__label-actions .segmented {
  flex-shrink: 0;
}

.control-inline {
  display: flex;
  align-items: stretch;
  gap: 0.5rem;
  width: 100%;
  min-width: 0;
}

.control-inline .segmented {
  flex-shrink: 0;
}

.control-inline .input-control,
.control-inline > .form-select {
  flex: 1;
  min-width: 0;
}

.control-inline .link-btn {
  flex-shrink: 0;
  align-self: center;
  white-space: nowrap;
  padding: 0.55rem 0;
}

.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 2.35rem;
  height: 2.35rem;
  padding: 0;
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  background: var(--surface);
  color: var(--text-secondary);
  cursor: pointer;
}

.icon-btn:hover {
  color: var(--accent);
  border-color: var(--accent);
  background: var(--accent-soft);
}

.icon-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.icon-btn svg {
  width: 1.1rem;
  height: 1.1rem;
}

.form-row__label label {
  cursor: pointer;
}

.form-row__control {
  min-width: 0;
}

.form-row__control > .input-control,
.form-row__control > .form-input,
.form-row__control > .computed-value {
  width: 100%;
}

.form-row--computed .form-row__label {
  padding-top: 0.45rem;
}

.form-row--computed .computed-value {
  display: block;
  width: 100%;
  padding: 0.55rem 0.7rem;
  background: var(--computed-bg);
  border: 1px dashed var(--border);
  border-radius: var(--radius-sm);
  font-family: "JetBrains Mono", monospace;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-secondary);
  text-align: right;
}

/* Full-width control column (same grid as other rows); centered value text only */
.form-row--computed-centered {
  align-items: center;
}

.form-row--computed-centered .form-row__label {
  padding-top: 0;
}

.form-row--computed-centered .form-row__control {
  width: 100%;
}

.form-row--computed-centered .computed-value {
  text-align: center;
}

.mortgage-summary-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1rem;
  align-items: stretch;
}

.mortgage-summary-col {
  margin-bottom: 0;
}

.pmi-meta {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.pmi-meta .status-badge {
  flex-shrink: 0;
}

.control-inline--wrap {
  flex-wrap: wrap;
  margin-top: 0.45rem;
}

.schedule-section-header {
  margin: 1rem 0 0.65rem;
}

.schedule-section-header .panel__title {
  margin-bottom: 0.15rem;
}

.schedule-section-header .panel__desc {
  margin-bottom: 0;
}

.schedule-section-header--tight .panel__title {
  margin-bottom: 0.1rem;
}

.schedule-section-header--tight .panel__desc {
  margin-top: 0;
  line-height: 1.35;
}

#panel-mortgage .control-inline .form-select {
  flex: 1;
  min-width: 8rem;
}

@media (max-width: 760px) {
  .mortgage-summary-columns {
    grid-template-columns: 1fr;
  }
}

.form-row--hint .form-row__hint {
  margin-top: 0.35rem;
  font-size: 0.7rem;
  color: var(--muted);
  line-height: 1.35;
}

.term-inline {
  display: flex;
  align-items: stretch;
  gap: 0.5rem;
  width: 100%;
  flex-wrap: wrap;
}

.term-inline .segmented {
  flex: 1 1 100%;
  min-width: 0;
}

.input-control--term {
  width: 6.25rem;
  flex: 1 1 6.25rem;
  max-width: 100%;
}

.input-control--term .form-input {
  min-width: 2.25rem;
  text-align: center;
  font-family: "JetBrains Mono", monospace;
  font-weight: 600;
}

.segmented--sm .segmented__btn {
  padding: 0.3rem 0.4rem;
  font-size: 0.68rem;
}

.totals-block {
  margin-top: 1.25rem;
  padding-top: 1.15rem;
  border-top: 1px solid var(--border);
}

.totals-block .panel__title {
  margin-bottom: 0.65rem;
}

/* ── Form fields (editable) ── */
.form-field {
  margin-bottom: 0;
}

.form-field__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.35rem;
}

.form-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 0.35rem;
}

.form-field__header .form-label {
  margin-bottom: 0;
}

.form-label__hint {
  font-weight: 400;
  color: var(--muted);
}

.form-input {
  width: 100%;
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  background: var(--pane);
  padding: 0.55rem 0.7rem;
  color: var(--text);
  font-size: 0.9rem;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.form-input[type="number"] {
  -moz-appearance: textfield;
  appearance: textfield;
}

.form-input[type="number"]::-webkit-inner-spin-button,
.form-input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

.form-input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-glow);
}

.input-control {
  display: flex;
  align-items: stretch;
  border: 1px solid var(--border-input);
  border-radius: var(--radius-sm);
  background: var(--pane);
  overflow: hidden;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.input-control:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-glow);
}

.input-control .form-input {
  border: none;
  border-radius: 0;
  box-shadow: none;
  flex: 1;
  min-width: 0;
}

.input-control .form-input:focus {
  box-shadow: none;
}

.input-control__affix {
  display: flex;
  align-items: center;
  padding: 0 0.65rem;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--muted);
  background: var(--surface);
  border-right: 1px solid var(--border);
  flex-shrink: 0;
}

.input-control__affix--suffix {
  border-right: none;
  border-left: 1px solid var(--border);
}

.input-control--compact {
  max-width: 5.5rem;
}

/* ── Segmented control ($ / %) ── */
.segmented {
  display: inline-flex;
  padding: 2px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 6px;
  gap: 1px;
}

.segmented--wide {
  flex: 1;
}

.segmented__btn {
  border: none;
  background: transparent;
  color: var(--text-secondary);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 0.3rem 0.55rem;
  border-radius: 4px;
  cursor: pointer;
  transition: background 0.12s, color 0.12s;
  white-space: nowrap;
}

.segmented--wide .segmented__btn {
  flex: 1;
  padding: 0.35rem 0.4rem;
}

.segmented__btn:hover {
  color: var(--text);
}

.segmented__btn.active {
  background: var(--pane);
  color: var(--accent);
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.06);
}

.status-badge {
  font-size: 0.68rem;
  font-weight: 600;
  padding: 0.15rem 0.5rem;
  border-radius: 999px;
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  white-space: nowrap;
}

.status-badge--active {
  background: var(--accent-soft);
  border-color: transparent;
  color: var(--accent);
}

.status-badge--inactive {
  color: var(--muted);
}

/* ── Stat lists (read-only results) ── */
.stat-list {
  list-style: none;
}

.stat-list__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--border);
}

.stat-list__row:last-child {
  border-bottom: none;
}

.stat-list__row dt {
  font-size: 0.8rem;
  font-weight: 400;
  color: var(--text-secondary);
}

.stat-list__row dd {
  font-family: "JetBrains Mono", monospace;
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--text);
  text-align: right;
}

.stat-list__row--highlight dd {
  color: var(--accent);
  font-weight: 600;
}

.stat-list__row--total {
  padding-top: 0.65rem;
  margin-top: 0.25rem;
  border-top: 1px solid var(--border);
  border-bottom: none;
}

.stat-list__row--total dt {
  font-weight: 600;
  color: var(--text);
}

.stat-list__row--total dd {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--accent);
}

.stat-list--compact .stat-list__row {
  padding: 0.35rem 0;
}

/* ── Extra payments ── */
.extra-payments {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  margin-bottom: 1rem;
}

.extra-grid {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 0.75rem;
}

.extra-block {
  margin: 0;
  padding: 0.65rem 0.75rem 0.7rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg);
  min-width: 0;
}

.extra-block__title {
  float: left;
  width: 100%;
  padding: 0;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--text-secondary);
}

.extra-block__desc {
  clear: both;
  margin: 0.35rem 0 0.55rem;
  font-size: 0.68rem;
  line-height: 1.4;
  color: var(--muted);
}

.extra-block__footnote {
  margin: 0.45rem 0 0;
  font-size: 0.66rem;
  line-height: 1.35;
  color: var(--muted);
}

.extra-block .form-row--compact + .form-row--compact {
  margin-top: 0.5rem;
}

.form-row--compact {
  grid-template-columns: 8.5rem 1fr;
  gap: 0.4rem 0.65rem;
}

.form-row--compact .form-row__label {
  padding-top: 0.5rem;
  font-size: 0.75rem;
}

#panel-mortgage .extra-payments:not(:has(#extra-enabled:checked)) .extra-grid {
  opacity: 0.45;
  pointer-events: none;
}

#panel-auto .extra-payments:not(:has(#auto-extra-enabled:checked)) .extra-grid {
  opacity: 0.45;
  pointer-events: none;
}

#panel-heloc .extra-payments:not(:has(#heloc-extra-enabled:checked)) .extra-grid {
  opacity: 0.45;
  pointer-events: none;
}

.interest-saved {
  margin-top: 0.75rem;
  padding: 0.55rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--success);
  background: var(--success-soft);
  border-radius: var(--radius-sm);
}

/* ── Progress bar ── */
.progress-wrap {
  margin-bottom: 1rem;
  padding-top: 1.5rem;
}

.progress-track {
  position: relative;
  height: 6px;
  border-radius: 999px;
  background: var(--surface);
  border: 1px solid var(--border);
}

.progress-fill {
  height: 100%;
  width: 0;
  background: var(--accent);
  border-radius: 999px;
  transition: width 0.35s ease;
}

.progress-marker {
  position: absolute;
  top: -1.35rem;
  transform: translateX(-50%);
  font-size: 0.68rem;
  font-weight: 600;
  white-space: nowrap;
  color: var(--muted);
  max-width: 5rem;
  overflow: hidden;
  text-overflow: ellipsis;
}

.progress-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 0.35rem;
  font-size: 0.68rem;
  color: var(--muted);
}

/* ── Scrollable amortization table ── */
.schedule-scroll {
  max-height: var(--schedule-height);
  overflow: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  -webkit-overflow-scrolling: touch;
}

.schedule-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
}

.schedule-table th,
.schedule-table td {
  padding: 0.55rem 1.1rem;
  text-align: right;
  border-bottom: 1px solid var(--border);
  font-family: "JetBrains Mono", monospace;
  font-size: 0.78rem;
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.02em;
  white-space: nowrap;
}

.schedule-table th:first-child,
.schedule-table td:first-child {
  text-align: left;
  padding-left: 1rem;
}

.schedule-table th {
  position: sticky;
  top: 0;
  z-index: 2;
  background: var(--surface);
  font-family: "Inter", sans-serif;
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--text-secondary);
  box-shadow: 0 1px 0 var(--border);
}

.schedule-table tbody tr:hover td {
  background: var(--surface);
}

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

.schedule-meta {
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: 0.5rem;
  text-align: center;
}

.fine-print {
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: 0.65rem;
}

.footer {
  text-align: center;
  font-size: 0.72rem;
  color: var(--muted);
  padding-top: 0.5rem;
}

.footer a {
  color: var(--accent);
  text-decoration: none;
}

.footer a:hover {
  text-decoration: underline;
}

/* ── Responsive: collapse ad rails, stack columns ── */
@media (max-width: 960px) {
  .site-layout {
    grid-template-columns: 1fr;
  }

  .ad-rail {
    display: none;
  }

  .content-pane {
    border: none;
    box-shadow: none;
  }
}

@media (max-width: 600px) {
  .pane-header,
  .pane-body {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .nav-pill {
    padding: 0.55rem 0.75rem;
    font-size: 0.75rem;
  }

  .nav-pill__label--long {
    display: none;
  }

  .nav-pill__label--short {
    display: inline;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0.35rem;
  }

  .form-row__label {
    padding-top: 0;
  }

  .input-control--term {
    width: 100%;
    flex: none;
  }

  .panel__header-row {
    flex-direction: column;
    align-items: stretch;
  }

  .panel__header-row .btn {
    align-self: flex-start;
  }
}

/* ── Compare layout ── */
.payoff-sooner {
  color: var(--success) !important;
  font-weight: 700 !important;
}

.compare-columns,
.compare-schedules {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  align-items: stretch;
}

.compare-col {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem;
  background: var(--surface);
  min-width: 0;
  display: flex;
  flex-direction: column;
}

.compare-col__form {
  flex: 1 1 auto;
}

.compare-col .form-row {
  grid-template-columns: 1fr;
  gap: 0.35rem;
}

.compare-col .form-row__label {
  padding-top: 0;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.compare-col .control-inline {
  flex-wrap: wrap;
}

.compare-col .control-inline .segmented {
  flex: 1 1 auto;
  min-width: 0;
}

.compare-col .control-inline .form-select {
  flex: 1;
  min-width: 8rem;
}

.compare-col .segmented[data-group="heloc-cc-pay"],
.compare-col .segmented {
  width: 100%;
}

.closing-method-row .segmented {
  display: grid;
  grid-template-columns: 1fr 1fr;
  width: 100%;
}

.closing-method-row .segmented__btn {
  white-space: normal;
  line-height: 1.2;
  min-height: 2.25rem;
}

.compare-col__title {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--accent);
  margin-bottom: 0.85rem;
}

.compare-results {
  margin-top: auto;
  flex-shrink: 0;
  padding-top: 0.85rem;
  border-top: 1px solid var(--border);
}

.compare-results .stat-list__row dd {
  min-width: 7.5rem;
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.02em;
}

.compare-schedule-col {
  min-width: 0;
}

.compare-schedule-col .schedule-scroll {
  overflow-x: auto;
}

.compare-schedule-col .schedule-table {
  width: 100%;
  min-width: 28rem;
}

.compare-schedule-col .schedule-table th,
.compare-schedule-col .schedule-table td {
  padding: 0.5rem 0.85rem;
  font-size: 0.74rem;
}

.compare-schedule-col .schedule-table th {
  font-size: 0.66rem;
  letter-spacing: 0.03em;
}

.compare-schedule-col .schedule-table th:first-child,
.compare-schedule-col .schedule-table td:first-child {
  padding-left: 0.85rem;
}

#pmi-field.is-inactive {
  opacity: 0.55;
}

#pmi-field.is-inactive .form-input {
  pointer-events: none;
}

.toast {
  position: fixed;
  bottom: 1.25rem;
  left: 50%;
  transform: translateX(-50%) translateY(120%);
  background: var(--text);
  color: var(--pane);
  padding: 0.55rem 1rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  box-shadow: var(--shadow-pane);
  z-index: 1000;
  transition: transform 0.25s ease;
  pointer-events: none;
}

.toast.is-visible {
  transform: translateX(-50%) translateY(0);
}

[data-theme="dark"] .toast {
  background: var(--surface);
  color: var(--text);
  border: 1px solid var(--border);
}

.compare-schedule-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.65rem;
}

@media (max-width: 760px) {
  .compare-columns,
  .compare-schedules {
    grid-template-columns: 1fr;
  }

  .compare-schedule-header {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media print {
  .ad-rail,
  .pane-header__actions,
  .extra-payments,
  .btn,
  .link-btn {
    display: none !important;
  }

  .site-layout {
    display: block;
  }

  .content-pane {
    box-shadow: none;
    border: none;
  }

  .schedule-scroll {
    max-height: none;
    overflow: visible;
  }

  .page-seo {
    display: none !important;
  }
}

/* ── Tab SEO content ── */
.page-seo {
  margin: 1.25rem 0 0.5rem;
  padding: 1rem 1.1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
}

.page-seo__p {
  margin: 0 0 0.75rem;
  font-size: 0.82rem;
  line-height: 1.55;
  color: var(--text-secondary);
}

.page-seo__p:last-of-type {
  margin-bottom: 1rem;
}

.page-seo__features {
  margin: 0 0 1.1rem;
  padding-left: 1.15rem;
  font-size: 0.8rem;
  line-height: 1.5;
  color: var(--text-secondary);
}

.page-seo__features li {
  margin-bottom: 0.35rem;
}

.page-seo__features li::marker {
  content: "✓ ";
}

.page-seo__list {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
  font-size: 0.8rem;
  line-height: 1.5;
  color: var(--text-secondary);
}

.page-seo__list li {
  margin-bottom: 0.25rem;
}

.page-seo__heading {
  margin: 0 0 0.65rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-primary);
}

.page-seo__faq {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.page-seo__faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--computed-bg);
  padding: 0.45rem 0.65rem;
  font-size: 0.78rem;
}

.page-seo__faq-item summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--text-primary);
  line-height: 1.4;
}

.page-seo__faq-item p {
  margin: 0.5rem 0 0.15rem;
  line-height: 1.45;
  color: var(--text-secondary);
}