/* ===== MORTGIFY - STYLE.CSS ===== */
/* Google Fonts */
@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;600;700;800&family=Inter:wght@400;500;600&display=swap');

/* ===== CSS VARIABLES ===== */
:root {
  --primary: #ff7a00;
  --primary-dark: #e06800;
  --primary-light: #fff3e8;
  --bg: #f5f5f5;
  --white: #ffffff;
  --black: #000000;
  --grey: #666666;
  --grey-light: #e0e0e0;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 32px rgba(255,122,0,0.15);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.25s ease;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--black);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4 { font-family: 'Poppins', sans-serif; line-height: 1.25; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ===== UTILITY ===== */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.section { padding: 80px 0; }
.section-title {
  font-size: clamp(1.3rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--black);
  margin-bottom: 12px;
}
.section-subtitle { color: var(--grey); font-size: 1.05rem; margin-bottom: 48px; }
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  text-align: center;
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-hover);
  color: var(--white);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
}

/* ===== HEADER ===== */
#header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  font-family: 'Poppins', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--black);
  letter-spacing: -0.5px;
}
.logo span { color: var(--primary); }
nav ul {
  display: flex;
  gap: 36px;
  align-items: center;
}
nav ul li a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--black);
  transition: color var(--transition);
}
nav ul li a:hover { color: var(--primary); }
.nav-cta { margin-left: 12px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--black);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== HERO ===== */
#hero {
  background: linear-gradient(135deg, #fff8f2 0%, var(--bg) 60%);
  padding: 100px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
#hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(255,122,0,0.10) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-badge {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 20px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
#hero h1 {
  font-size: clamp(2.0rem, 5vw, 3.4rem);
  font-weight: 800;
  color: var(--black);
  margin-bottom: 20px;
  letter-spacing: -1px;
}
#hero h1 span { color: var(--primary); }
.hero-sub {
  font-size: 1.0rem;
  color: var(--grey);
  max-width: 800px;
  margin: 0 auto 36px;
}
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 48px;
  margin-top: 56px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-num {
  font-family: 'Poppins', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary);
}
.stat-label { font-size: 0.8rem; color: var(--grey); margin-top: 2px; }

/* ===== CALCULATOR SECTION ===== */
#calculator { background: var(--bg); }

/* Mode Toggle */
.mode-toggle-wrap { display: flex; flex-direction: column; align-items: center; gap: 10px; margin-bottom: 28px; }
.mode-toggle {
  display: inline-flex;
  background: var(--white);
  border-radius: 10px;
  padding: 4px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  gap: 2px;
}
.mode-btn {
  padding: 10px 28px;
  border-radius: 7px;
  border: none;
  background: transparent;
  font-family: 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--grey);
  cursor: pointer;
  transition: all var(--transition);
  display: flex; align-items: center; gap: 6px;
}
.mode-btn.active { background: var(--primary); color: var(--white); box-shadow: 0 2px 8px rgba(255,122,0,0.3); }
.mode-btn:not(.active):hover { color: var(--black); }
.mode-hint { font-size: 0.82rem; color: var(--grey); }

/* Layout */
.calc-outer {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}
.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow);
}

/* Form */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 7px;
}
.label-note {
  font-size: 0.75rem;
  font-weight: 400;
  color: var(--grey);
  background: var(--bg);
  padding: 2px 7px;
  border-radius: 100px;
}
.label-live {
  margin-left: auto;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
}
.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix, .input-suffix {
  position: absolute;
  font-size: 0.92rem;
  color: var(--grey);
  font-weight: 500;
  pointer-events: none;
}
.input-prefix { left: 13px; }
.input-suffix { right: 13px; }
.form-group input[type="number"] {
  width: 100%;
  padding: 12px 14px 12px 28px;
  border: 2px solid var(--grey-light);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: var(--black);
  background: var(--bg);
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
  outline: none;
  -moz-appearance: textfield;
}
.form-group input[type="number"]::-webkit-outer-spin-button,
.form-group input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; }
.form-group input[type="number"]:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(255,122,0,0.12);
  background: var(--white);
}
.form-group input[type="number"].error { border-color: #e53935; }
.error-msg { font-size: 0.76rem; color: #e53935; margin-top: 4px; display: none; }
.error-msg.show { display: block; }
.suffix-input { padding-right: 34px !important; padding-left: 14px !important; }

/* Down payment row */
.down-row { display: flex; gap: 10px; }
.dp-pct-wrap { width: 96px; flex-shrink: 0; }

/* Range Slider */
.range-slider {
  width: 100%; margin-top: 10px;
  -webkit-appearance: none; appearance: none;
  height: 5px; border-radius: 100px;
  background: linear-gradient(to right, var(--primary) 0%, var(--grey-light) 0%);
  outline: none; cursor: pointer;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--primary);
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.2);
  cursor: pointer;
}
.range-slider::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--primary); border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(0,0,0,0.2); cursor: pointer;
}
.slider-labels { display: flex; justify-content: space-between; font-size: 0.72rem; color: var(--grey); margin-top: 3px; }

/* Term pills */
.term-pills { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 2px; }
.term-pill {
  padding: 6px 14px; border-radius: 100px;
  border: 2px solid var(--grey-light);
  background: transparent;
  font-family: 'Inter', sans-serif;
  font-size: 0.82rem; font-weight: 600;
  color: var(--grey); cursor: pointer;
  transition: all var(--transition);
}
.term-pill.active, .term-pill:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: var(--primary-light);
}

/* Select */
.select-wrap { position: relative; }
.select-wrap select {
  width: 100%;
  padding: 12px 36px 12px 14px;
  border: 2px solid var(--grey-light);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  color: var(--black);
  background: var(--bg);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
  transition: border-color var(--transition);
}
.select-wrap select:focus { border-color: var(--primary); }
.select-arrow { position: absolute; right: 13px; top: 50%; transform: translateY(-50%); color: var(--grey); pointer-events: none; font-size: 0.85rem; }

/* T&I toggle */
.ti-toggle-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 16px;
  background: var(--primary-light);
  border-radius: 8px;
  margin-bottom: 18px;
  border: 1px solid rgba(255,122,0,0.15);
}
.ti-label { font-size: 0.88rem; font-weight: 600; color: var(--black); }
.switch { display: flex; cursor: pointer; }
.switch input { display: none; }
.switch-track {
  width: 40px; height: 22px;
  background: var(--grey-light);
  border-radius: 100px;
  position: relative;
  transition: background var(--transition);
}
.switch input:checked + .switch-track { background: var(--primary); }
.switch-thumb {
  width: 16px; height: 16px;
  background: #fff;
  border-radius: 50%;
  position: absolute;
  top: 3px; left: 3px;
  transition: left var(--transition);
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.switch input:checked + .switch-track .switch-thumb { left: 21px; }

/* 2-col form row */
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

/* Advanced divider */
.adv-divider {
  display: flex; align-items: center; gap: 12px;
  margin: 16px 0 20px; color: var(--grey); font-size: 0.8rem;
}
.adv-divider::before, .adv-divider::after { content:''; flex:1; height:1px; background: var(--grey-light); }
.adv-divider span { white-space: nowrap; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.adv-compare-label { font-size: 0.8rem; font-weight: 700; color: var(--grey); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 10px; }

/* Calculate button */
.btn-calculate {
  width: 100%; padding: 15px;
  font-size: 1rem; border-radius: 10px;
  margin-top: 8px; position: relative;
}
.btn-calculate .spinner {
  display: none; width: 17px; height: 17px;
  border: 2px solid rgba(255,255,255,0.4);
  border-top-color: #fff; border-radius: 50%;
  animation: spin 0.7s linear infinite;
  position: absolute; right: 18px; top: 50%; transform: translateY(-50%);
}
.btn-calculate.loading .spinner { display: block; }
@keyframes spin { to { transform: translateY(-50%) rotate(360deg); } }

/* ── RESULTS CARD ── */
.result-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
}
.result-placeholder {
  flex: 1;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 48px 20px; color: var(--grey);
}
.result-placeholder p { font-size: 0.92rem; margin-top: 16px; line-height: 1.6; }
.result-main {
  text-align: center; padding: 20px 0 22px;
  border-bottom: 1px solid var(--grey-light); margin-bottom: 20px;
}
.result-main .label { font-size: 0.82rem; color: var(--grey); font-weight: 500; text-transform: uppercase; letter-spacing: 0.5px; }
.result-main .amount {
  font-family: 'Poppins', sans-serif;
  font-size: 2.8rem; font-weight: 800; color: var(--primary);
  line-height: 1.1; margin: 6px 0 2px;
}
.result-main .per { font-size: 0.82rem; color: var(--grey); }

/* Pie chart */
.pie-wrap {
  display: flex; align-items: center; gap: 16px;
  margin-bottom: 20px; padding: 16px;
  background: var(--bg); border-radius: 10px;
}
#pie-chart { flex-shrink: 0; }
.pie-legend { display: flex; flex-direction: column; gap: 8px; }
.pie-legend-item { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; }
.pie-legend-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.pie-legend-label { color: var(--grey); }
.pie-legend-val { font-weight: 700; color: var(--black); margin-left: auto; }

/* Breakdown */
.result-breakdown { display: flex; flex-direction: column; gap: 8px; }
.result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 14px; background: var(--bg); border-radius: 8px;
}
.result-row .r-label { font-size: 0.87rem; color: var(--grey); font-weight: 500; }
.result-row .r-value { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 1rem; }
.result-row .r-value.highlight { color: var(--primary); }

/* Progress bar */
.progress-bar-wrap { margin-top: 18px; }
.progress-label { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--grey); margin-bottom: 5px; }
.progress-bar { height: 8px; background: var(--grey-light); border-radius: 100px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--primary); border-radius: 100px; transition: width 0.9s cubic-bezier(0.4,0,0.2,1); width: 0%; }

/* Smart Insight */
.insight-box {
  display: flex; gap: 12px; align-items: flex-start;
  margin-top: 16px; padding: 14px 16px;
  background: #fff8f0; border: 1px solid rgba(255,122,0,0.2);
  border-radius: 10px;
}
.insight-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.insight-box p { font-size: 0.85rem; color: #444; line-height: 1.6; margin: 0; }

/* Extra Payment Savings */
.savings-box {
  margin-top: 16px; padding: 16px;
  background: #f0faf0; border: 1px solid #b2dfdb;
  border-radius: 10px;
}
.savings-title {
  display: flex; align-items: center; gap: 7px;
  font-family: 'Poppins', sans-serif; font-size: 0.9rem;
  font-weight: 700; color: #2e7d32; margin-bottom: 12px;
}
.savings-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }
.sav-item { text-align: center; }
.sav-label { display: block; font-size: 0.72rem; color: var(--grey); text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 4px; }
.sav-val { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.95rem; color: var(--black); }
.sav-val.green { color: #2e7d32; }

/* Loan Comparison */
.compare-box {
  margin-top: 16px; padding: 16px;
  background: var(--bg); border-radius: 10px;
  border: 1px solid var(--grey-light);
}
.compare-title {
  font-family: 'Poppins', sans-serif; font-size: 0.9rem;
  font-weight: 700; margin-bottom: 12px; color: var(--black);
}
.compare-table { display: flex; flex-direction: column; gap: 0; font-size: 0.83rem; }
.cmp-head {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr;
  gap: 6px; padding: 6px 8px;
  font-weight: 700; color: var(--grey);
  text-transform: uppercase; font-size: 0.72px;
  letter-spacing: 0.4px; border-bottom: 1px solid var(--grey-light);
  font-size: 0.72rem;
}
.cmp-row {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr;
  gap: 6px; padding: 9px 8px;
  border-bottom: 1px solid var(--grey-light);
  align-items: center;
}
.cmp-row:last-child { border-bottom: none; }
.cmp-row span:first-child { color: var(--grey); }
.cmp-row span:nth-child(2) { font-weight: 700; font-family: 'Poppins', sans-serif; }
.cmp-better { font-weight: 700; font-family: 'Poppins', sans-serif; color: var(--primary); }

.result-note { font-size: 0.75rem; color: var(--grey); margin-top: 16px; line-height: 1.5; }

/* ── AMORTIZATION TABLE ── */
.amort-section {
  margin-top: 28px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow);
}
.amort-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 20px; flex-wrap: wrap; gap: 12px;
}
.amort-header h3 { font-size: 1.1rem; }
.amort-controls { display: flex; gap: 6px; }
.amort-view-btn {
  padding: 7px 18px; border-radius: 6px;
  border: 2px solid var(--grey-light);
  background: transparent; font-family: 'Inter', sans-serif;
  font-size: 0.85rem; font-weight: 600; color: var(--grey);
  cursor: pointer; transition: all var(--transition);
}
.amort-view-btn.active { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }
.amort-table-wrap { overflow-x: auto; max-height: 380px; overflow-y: auto; border-radius: 8px; border: 1px solid var(--grey-light); }
.amort-table { width: 100%; border-collapse: collapse; font-size: 0.85rem; }
.amort-table thead { position: sticky; top: 0; background: var(--bg); z-index: 2; }
.amort-table th {
  padding: 11px 14px; text-align: right;
  font-size: 0.78rem; font-weight: 700; color: var(--grey);
  text-transform: uppercase; letter-spacing: 0.4px;
  border-bottom: 2px solid var(--grey-light);
}
.amort-table th:first-child { text-align: left; }
.amort-table td {
  padding: 10px 14px; text-align: right;
  border-bottom: 1px solid #f0f0f0; color: var(--black);
  font-family: 'Inter', sans-serif;
}
.amort-table td:first-child { text-align: left; color: var(--grey); font-weight: 600; }
.amort-table tbody tr:hover { background: #fff8f2; }
.amort-table tbody tr:last-child td { border-bottom: none; }
.amort-table .td-int { color: var(--primary); }
.amort-table .td-bal { font-weight: 700; }

/* ===== ARTICLE ===== */
#article { background: var(--white); }
.article-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
  align-items: start;
}
.article-body h2 { font-size: 1.5rem; margin: 36px 0 14px; color: var(--black); }
.article-body h3 { font-size: 1.15rem; margin: 28px 0 10px; color: var(--black); }
.article-body p { color: var(--grey); margin-bottom: 16px; font-size: 0.97rem; line-height: 1.8; }
.article-body ul { margin: 12px 0 20px 20px; }
.article-body ul li { color: var(--grey); margin-bottom: 8px; font-size: 0.97rem; position: relative; padding-left: 16px; }
.article-body ul li::before { content: '→'; position: absolute; left: -4px; color: var(--primary); font-size: 0.85rem; }
.formula-box {
  background: var(--bg);
  border-left: 4px solid var(--primary);
  border-radius: 0 8px 8px 0;
  padding: 20px 24px;
  margin: 24px 0;
  font-family: 'Courier New', monospace;
  font-size: 1rem;
  color: var(--black);
}
.aside-card {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 24px;
  position: static;
  top: 88px;
}
.aside-card h4 { font-size: 1rem; margin-bottom: 16px; color: var(--black); }
.aside-card ul li {
  padding: 10px 0;
  border-bottom: 1px solid var(--grey-light);
  font-size: 0.9rem;
  color: var(--grey);
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.aside-card ul li::before { content: '✓'; color: var(--primary); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.aside-card ul li:last-child { border-bottom: none; }

/* ===== FAQ ===== */
#faq { background: var(--bg); }
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  margin-bottom: 12px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--black);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--primary); }
.faq-icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--bg);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
  font-weight: 400;
  color: var(--primary);
  transition: background var(--transition), transform var(--transition);
}
.faq-item.open .faq-icon { background: var(--primary); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding var(--transition);
  padding: 0 24px;
}
.faq-answer.open { max-height: 300px; padding: 0 24px 20px; }
.faq-answer p { color: var(--grey); font-size: 0.95rem; line-height: 1.7; }

/* ===== FOOTER ===== */
#footer {
  background: var(--black);
  color: var(--white);
  padding: 40px 0;
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}
.footer-logo { font-family: 'Poppins', sans-serif; font-size: 1.3rem; font-weight: 800; }
.footer-logo span { color: var(--primary); }
.footer-links { display: flex; gap: 28px; flex-wrap: wrap; }
.footer-links a { font-size: 0.88rem; color: #aaa; transition: color var(--transition); }
.footer-links a:hover { color: var(--primary); }
.footer-copy { font-size: 0.82rem; color: #666; width: 100%; text-align: center; margin-top: 12px; border-top: 1px solid #222; padding-top: 20px; }

/* ===== ALERT ===== */
.alert {
  padding: 14px 18px;
  border-radius: 8px;
  margin-bottom: 20px;
  font-size: 0.9rem;
  font-weight: 500;
  display: none;
}
.alert.show { display: block; }
.alert-error { background: #ffeaea; color: #c62828; border: 1px solid #ffcdd2; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .calc-outer, .article-grid { grid-template-columns: 1fr; }
  .aside-card { position: static; }
  .savings-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  nav ul { 
    display: none; 
    flex-direction: column;
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: var(--white);
    padding: 20px;
    gap: 18px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
    z-index: 999;
  }
  nav ul.open { display: flex; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  #hero { padding: 70px 0 60px; }
  .hero-stats { gap: 28px; }
  .section { padding: 60px 0; }
  .calc-card, .result-card { padding: 24px 18px; }
  .amort-section { padding: 24px 18px; }
  .result-main .amount { font-size: 2.3rem; }
  .footer-inner { flex-direction: column; text-align: center; }
  .footer-links { justify-content: center; }
  .form-row-2 { grid-template-columns: 1fr; }
  .pie-wrap { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .hero-stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; text-align: center; }
  .mode-hint { text-align: center; }
  .savings-grid { grid-template-columns: 1fr; }
  .down-row { flex-direction: column; }
  .dp-pct-wrap { width: 100%; }
  .mode-btn { padding: 9px 18px; font-size: 0.85rem; }
}